/* ============================================================
   CSS VARIABLES – BB FDS Brand Colors
   ============================================================ */
:root {
  --navy:       #0B3C5D;
  --green:      #1E9A5A;
  --offwhite:   #F7F9FB;
  --charcoal:   #222831;
  --teal:       #00A0A0;
  --gold:       #F4B041;

  --nav-height:    72px;
  --topbar-height: 36px;
  --max-w:         1280px;
  --gutter:        24px;

  --font-body:    'Inter', sans-serif;
  --font-display: 'Playfair Display', serif;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--offwhite);
  color: var(--charcoal);
  -webkit-font-smoothing: antialiased;
}

a { text-decoration: none; color: inherit; }
button { background: none; border: none; cursor: pointer; font-family: inherit; }
img { display: block; max-width: 100%; }

/* ============================================================
   TOP BAR
   ============================================================ */
.topbar {
  background: color-mix(in srgb, var(--navy) 90%, black 10%);
  border-bottom: 1px solid rgba(0,160,160,0.2);
  height: var(--topbar-height);
  display: flex;
  align-items: center;
}

.topbar-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.topbar-company {
  font-size: 11.5px;
  color: rgba(247,249,251,0.7);
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
}

.topbar-aka { color: rgba(247,249,251,0.45); }

.topbar-cin {
  font-size: 11.5px;
  color: rgba(247,249,251,0.7);
  white-space: nowrap;
}

.topbar-cin strong {
  color: var(--offwhite);
  font-weight: 600;
  letter-spacing: 0.02em;
}

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar {
  background: var(--navy);
  height: var(--nav-height);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 16px rgba(11,60,93,0.4);
}

.navbar-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  height: 100%;
  display: flex;
  align-items: center;
  gap: 32px;
}

.navbar-logo { flex-shrink: 0; display: flex; align-items: center; }
.logo-img { height: 52px; width: auto; }

.navbar-nav {
  display: flex;
  align-items: center;
  gap: 2px;
  flex: 1;
  justify-content: center;
}

.nav-link {
  font-size: 14px;
  font-weight: 500;
  color: rgba(247,249,251,0.85);
  padding: 7px 13px;
  border-radius: 7px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
  position: relative;
}

.nav-link:hover {
  color: var(--teal);
  background: rgba(0,160,160,0.09);
}

.nav-link.active {
  color: var(--gold);
  font-weight: 600;
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 13px;
  right: 13px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

/* Dropdown */
.nav-dropdown { position: relative; }

.dropdown-toggle {
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 14px;
  font-weight: 500;
  color: rgba(247,249,251,0.85);
  padding: 7px 13px;
  border-radius: 7px;
  transition: color 0.2s, background 0.2s;
}

.dropdown-toggle:hover {
  color: var(--teal);
  background: rgba(0,160,160,0.09);
}

.chevron { transition: transform 0.2s; }
.nav-dropdown:hover .chevron,
.nav-dropdown:focus-within .chevron { transform: rotate(180deg); }

.dropdown-menu {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 220px;
  background: #0d4570;
  border: 1px solid rgba(0,160,160,0.18);
  border-radius: 12px;
  box-shadow: 0 10px 30px rgba(0,0,0,0.25);
  padding: 6px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-6px);
  transition: opacity 0.2s, transform 0.2s;
  z-index: 100;
}

/* Invisible bridge fills the gap so hover stays active when moving to menu */
.dropdown-menu::before {
  content: '';
  position: absolute;
  bottom: 100%;
  left: 0;
  right: 0;
  height: 10px;
}

.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  pointer-events: all;
  transform: translateY(0);
}

.dropdown-item {
  display: block;
  padding: 9px 14px;
  font-size: 13.5px;
  color: rgba(247,249,251,0.82);
  border-radius: 8px;
  transition: background 0.15s, color 0.15s;
}

.dropdown-item:hover {
  background: rgba(0,160,160,0.14);
  color: var(--teal);
}

/* Login button */
.btn-login {
  flex-shrink: 0;
  background: var(--green);
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  padding: 9px 26px;
  border-radius: 999px;
  transition: background 0.2s, box-shadow 0.2s, transform 0.15s;
  box-shadow: 0 2px 10px rgba(30,154,90,0.3);
  letter-spacing: 0.02em;
}

.btn-login:hover {
  background: #178a4e;
  box-shadow: 0 4px 16px rgba(30,154,90,0.4);
  transform: translateY(-1px);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--offwhite);
  border-radius: 2px;
  transition: all 0.25s;
}

/* ============================================================
   HERO SECTION  –  Fresh design
   ============================================================ */
.hero {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  padding: 80px 0 0;
}

/* Subtle background decorative circles */
.hero-bg-circle {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.hero-bg-circle--1 {
  width: 600px;
  height: 600px;
  top: -200px;
  right: -160px;
  background: radial-gradient(circle, rgba(0,160,160,0.10) 0%, transparent 65%);
}

.hero-bg-circle--2 {
  width: 400px;
  height: 400px;
  bottom: 0;
  left: -100px;
  background: radial-gradient(circle, rgba(244,176,65,0.07) 0%, transparent 70%);
}

.hero-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 56px;
  align-items: end;
}

/* Eyebrow label */
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 22px;
}

.eyebrow-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--teal);
  flex-shrink: 0;
}

/* Heading — display font for impact */
.hero-heading {
  font-family: var(--font-display);
  font-size: clamp(30px, 3.6vw, 52px);
  font-weight: 700;
  color: var(--offwhite);
  line-height: 1.15;
  letter-spacing: -0.01em;
  margin-bottom: 32px;
}

.hero-heading-accent {
  display: block;
  color: var(--gold);
}

/* Body text */
.hero-body {
  border-left: 3px solid rgba(0,160,160,0.4);
  padding-left: 20px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 28px;
}

.hero-body p {
  font-size: 14.5px;
  line-height: 1.78;
  color: rgba(247,249,251,0.75);
}

/* Disclaimer */
.hero-disclaimer {
  font-size: 12.5px;
  font-style: italic;
  color: rgba(247,249,251,0.45);
  line-height: 1.6;
  padding: 12px 14px;
  border: 1px solid rgba(244,176,65,0.2);
  border-radius: 8px;
  background: rgba(244,176,65,0.04);
  margin-bottom: 36px;
}

/* CTAs */
.hero-actions {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  padding-bottom: 80px;
}

.btn-products {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14.5px;
  font-weight: 700;
  color: var(--navy);
  background: var(--gold);
  padding: 12px 28px;
  border-radius: 999px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 16px rgba(244,176,65,0.3);
  letter-spacing: 0.01em;
}

.btn-products:hover {
  background: #f0a832;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(244,176,65,0.45);
}

.hero-phone {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  font-weight: 500;
  color: rgba(247,249,251,0.9);
  transition: color 0.2s;
}

.phone-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(30,154,90,0.2);
  border: 1px solid rgba(30,154,90,0.4);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--green);
  flex-shrink: 0;
  transition: background 0.2s;
}

.hero-phone:hover { color: var(--teal); }
.hero-phone:hover .phone-icon { background: rgba(0,160,160,0.2); color: var(--teal); }

/* Right column: image visual */
.hero-visual {
  position: relative;
  align-self: end;
}

.hero-image-card {
  position: relative;
  border-radius: 24px 24px 0 0;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.1);
  border-bottom: none;
  box-shadow: -12px 0 60px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.12);
}

.hero-img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  object-position: top center;
  display: block;
}

/* AMFI badge floating on image */
.hero-image-badge {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--gold);
  color: var(--charcoal);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 7px 16px;
  border-radius: 999px;
  white-space: nowrap;
  box-shadow: 0 4px 16px rgba(0,0,0,0.25);
}

/* Thin decorative stripe that bleeds under image into next section */
.hero-stripe {
  height: 6px;
  background: linear-gradient(90deg, var(--teal) 0%, var(--green) 50%, var(--gold) 100%);
}

/* ============================================================
   VISION SECTION  –  Fresh design
   ============================================================ */
.vision-section {
  background: #fff;
  padding: 96px 0;
  position: relative;
}

/* Subtle top-left teal blob */
.vision-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 320px;
  height: 320px;
  background: radial-gradient(circle at 0% 0%, rgba(0,160,160,0.07) 0%, transparent 65%);
  pointer-events: none;
}

.vision-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 420px 1fr;
  gap: 80px;
  align-items: center;
}

/* Image side */
.vision-visual {
  position: relative;
}

.vision-img-frame {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 8px 16px 48px rgba(11,60,93,0.14);
  position: relative;
  z-index: 1;
}

.vision-img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  object-position: top center;
}

/* Decorative border behind image */
.vision-img-frame::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 20px;
  border: 2px solid rgba(0,160,160,0.3);
  z-index: 2;
  pointer-events: none;
}

/* "Est. 2022" floating tag */
.vision-tag {
  position: absolute;
  bottom: -18px;
  right: -18px;
  background: var(--navy);
  color: var(--offwhite);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 10px 20px;
  border-radius: 999px;
  z-index: 2;
  box-shadow: 0 6px 20px rgba(11,60,93,0.3);
  border: 2px solid var(--teal);
}

/* Content side */
.vision-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
}

.vision-heading {
  font-family: var(--font-display);
  font-size: clamp(24px, 2.6vw, 38px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.22;
  letter-spacing: -0.01em;
  margin-bottom: 44px;
  padding-bottom: 20px;
  border-bottom: 2px solid var(--offwhite);
}

/* Vision items — horizontal row layout */
.vision-items {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.vision-item {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  padding: 24px 0;
  border-bottom: 1px solid #eef1f4;
  transition: background 0.2s;
}

.vision-item:first-child { padding-top: 0; }
.vision-item:last-child { border-bottom: none; padding-bottom: 0; }

/* Icon circle */
.vision-item-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
}

.vision-item-icon--navy  { background: var(--navy); }
.vision-item-icon--green { background: var(--green); }
.vision-item-icon--teal  { background: var(--teal); }

.vision-item-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 6px;
}

.vision-item-text {
  font-size: 14.5px;
  line-height: 1.72;
  color: rgba(34,40,49,0.72);
}

/* ============================================================
   FOUNDER SECTION  –  Fresh design
   ============================================================ */
.founder-section {
  background: var(--offwhite);
  padding: 96px 0;
  position: relative;
  overflow: hidden;
}

/* Tall navy bar that sits behind the image — gives depth without a full-bleed panel */
.founder-navy-bar {
  position: absolute;
  top: 0;
  left: 0;
  width: 38%;
  height: 100%;
  background: var(--navy);
  clip-path: polygon(0 0, 100% 0, 88% 100%, 0 100%);
  z-index: 0;
}

.founder-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 400px 1fr;
  gap: 72px;
  align-items: start;
}

/* ---- Left: Image ---- */
.founder-visual {
  position: relative;
}

.founder-img-wrap {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 12px 20px 56px rgba(11,60,93,0.28);
  border: 3px solid rgba(255,255,255,0.12);
}

.founder-img {
  width: 100%;
  height: 560px;
  object-fit: cover;
  object-position: top center;
  display: block;
}

/* Floating "Lets Talk Now" card */
.founder-contact-card {
  position: absolute;
  bottom: -20px;
  left: 20px;
  right: 20px;
  background: #fff;
  border-radius: 16px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  box-shadow: 0 10px 32px rgba(11,60,93,0.16);
  border: 1px solid rgba(0,160,160,0.12);
  transition: box-shadow 0.2s, transform 0.2s;
  text-decoration: none;
  color: var(--charcoal);
}

.founder-contact-card:hover {
  box-shadow: 0 14px 40px rgba(11,60,93,0.22);
  transform: translateY(-2px);
}

.founder-contact-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(30,154,90,0.1);
  border: 1.5px solid rgba(30,154,90,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--green);
  flex-shrink: 0;
}

.founder-contact-label {
  font-size: 13px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 2px;
}

.founder-contact-number {
  font-size: 13px;
  color: rgba(34,40,49,0.65);
}

/* ---- Right: Content ---- */
.founder-content {
  padding-top: 8px;
}

.founder-eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.founder-eyebrow::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}

.founder-heading {
  font-family: var(--font-display);
  font-size: clamp(28px, 3vw, 44px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 28px;
}

.founder-body {
  display: flex;
  flex-direction: column;
  gap: 13px;
  margin-bottom: 36px;
}

.founder-body p {
  font-size: 14.5px;
  line-height: 1.76;
  color: rgba(34,40,49,0.75);
}

.founder-body strong {
  color: var(--charcoal);
  font-weight: 600;
}

/* Profile Snapshot Card */
.founder-snapshot {
  background: #fff;
  border-radius: 16px;
  border: 1px solid #e8edf2;
  overflow: hidden;
  margin-bottom: 36px;
  box-shadow: 0 4px 20px rgba(11,60,93,0.07);
}

.snapshot-header {
  background: var(--navy);
  color: var(--offwhite);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 13px 20px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.snapshot-grid {
  padding: 6px 0;
}

.snapshot-item {
  display: grid;
  grid-template-columns: 148px 1fr;
  gap: 12px;
  padding: 12px 20px;
  border-bottom: 1px solid #f0f3f6;
  align-items: baseline;
}

.snapshot-item:last-child { border-bottom: none; }

.snapshot-label {
  font-size: 12.5px;
  font-weight: 700;
  color: var(--teal);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  flex-shrink: 0;
}

.snapshot-value {
  font-size: 13.5px;
  color: var(--charcoal);
  line-height: 1.55;
}

.snapshot-value strong {
  color: var(--navy);
  font-weight: 600;
}

/* CTAs */
.founder-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.btn-founder-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--navy);
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  padding: 12px 26px;
  border-radius: 999px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 16px rgba(11,60,93,0.25);
  letter-spacing: 0.01em;
}

.btn-founder-primary:hover {
  background: #0a3354;
  transform: translateY(-2px);
  box-shadow: 0 6px 22px rgba(11,60,93,0.35);
}

.btn-founder-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green);
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  padding: 12px 26px;
  border-radius: 999px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 16px rgba(30,154,90,0.25);
  letter-spacing: 0.01em;
}

.btn-founder-secondary:hover {
  background: #178a4e;
  transform: translateY(-2px);
  box-shadow: 0 6px 22px rgba(30,154,90,0.35);
}

/* ============================================================
   TWO-PATH JOURNEY SECTION  –  Fresh design
   ============================================================ */
.twopath-section {
  background: var(--offwhite);
  overflow: hidden;
}

/* ---- Top banner: image + heading overlay ---- */
.twopath-banner {
  position: relative;
  height: 320px;
  overflow: hidden;
}

.twopath-banner-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  display: block;
}

.twopath-banner-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(11,60,93,0.92) 0%,
    rgba(11,60,93,0.78) 50%,
    rgba(0,160,160,0.55) 100%
  );
}

.twopath-banner-content {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  justify-content: center;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  width: 100%;
  left: 50%;
  transform: translateX(-50%);
}

.twopath-eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.twopath-eyebrow::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}

.twopath-heading {
  font-family: var(--font-display);
  font-size: clamp(26px, 3vw, 42px);
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

.twopath-heading-sub {
  color: var(--gold);
  font-style: italic;
}

/* ---- Bottom: cards ---- */
.twopath-cards-wrap {
  padding: 0 var(--gutter) 80px;
  max-width: var(--max-w);
  margin: 0 auto;
}

.twopath-cards {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 0;
  margin-top: -56px;
  position: relative;
  z-index: 1;
  align-items: stretch;
}

/* Card shared styles */
.twopath-card {
  border-radius: 20px;
  padding: 36px 32px 40px;
  box-shadow: 0 16px 48px rgba(11,60,93,0.16);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

/* Top row: large number + icon */
.twopath-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.twopath-num {
  font-family: var(--font-display);
  font-size: 52px;
  font-weight: 800;
  line-height: 1;
  opacity: 0.18;
  color: #fff;
  letter-spacing: -0.03em;
}

.twopath-icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: rgba(255,255,255,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  flex-shrink: 0;
}

.twopath-card-title {
  font-size: 16px;
  font-weight: 700;
  color: #fff;
  line-height: 1.35;
}

.twopath-card-text {
  font-size: 14px;
  line-height: 1.78;
  color: rgba(255,255,255,0.82);
  flex: 1;
}

/* Path 1 – Growth Green */
.twopath-card--green {
  background: linear-gradient(145deg, var(--green) 0%, #177a47 100%);
}

/* Path 2 – Deep Navy */
.twopath-card--navy {
  background: linear-gradient(145deg, #0e4a72 0%, var(--navy) 100%);
}

/* Center divider with gold dot */
.twopath-divider {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 0 20px;
  margin-top: 56px;
}

.twopath-divider-line {
  flex: 1;
  width: 1px;
  background: linear-gradient(to bottom, transparent, rgba(244,176,65,0.4), transparent);
  min-height: 40px;
}

.twopath-divider-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(244,176,65,0.2);
  flex-shrink: 0;
}

/* ============================================================
   FINANCIAL INDEPENDENCE SECTION  –  Fresh design
   ============================================================ */
.finindep-section {
  background: var(--navy);
  padding: 96px 0;
  position: relative;
  overflow: hidden;
}

/* Decorative concentric rings (top-right) */
.finindep-ring {
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(0,160,160,0.12);
  pointer-events: none;
}

.finindep-ring--1 {
  width: 500px;
  height: 500px;
  top: -180px;
  right: -180px;
}

.finindep-ring--2 {
  width: 340px;
  height: 340px;
  top: -100px;
  right: -100px;
  border-color: rgba(0,160,160,0.08);
}

.finindep-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 72px;
  align-items: center;
}

/* ---- Left: Content ---- */
.finindep-eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.finindep-eyebrow::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}

.finindep-heading {
  font-family: var(--font-display);
  font-size: clamp(28px, 3vw, 46px);
  font-weight: 700;
  color: var(--offwhite);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 40px;
}

.finindep-heading-gold {
  display: block;
  color: var(--gold);
}

/* Principles */
.finindep-principles {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 36px;
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 16px;
  overflow: hidden;
}

.finindep-principle {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 18px 20px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: background 0.2s;
}

.finindep-principle:last-child { border-bottom: none; }
.finindep-principle:hover { background: rgba(255,255,255,0.04); }

.finindep-principle-icon {
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.finindep-icon--teal  { background: rgba(0,160,160,0.2);   color: var(--teal); }
.finindep-icon--green { background: rgba(30,154,90,0.2);   color: var(--green); }
.finindep-icon--gold  { background: rgba(244,176,65,0.18); color: var(--gold); }

.finindep-principle-text {
  font-size: 14.5px;
  line-height: 1.68;
  color: rgba(247,249,251,0.78);
  padding-top: 8px;
}

.finindep-principle-text strong {
  color: var(--offwhite);
  font-weight: 600;
}

/* Focus Areas */
.finindep-focus {
  margin-bottom: 36px;
}

.finindep-focus-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

.finindep-focus-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 0;
  counter-reset: focus-counter;
}

.finindep-focus-list li {
  counter-increment: focus-counter;
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14.5px;
  color: rgba(247,249,251,0.82);
  line-height: 1.5;
}

.finindep-focus-list li::before {
  content: counter(focus-counter, decimal-leading-zero);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 8px;
  background: rgba(0,160,160,0.18);
  color: var(--teal);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.04em;
  flex-shrink: 0;
}

/* CTA */
.btn-finindep {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold);
  color: var(--charcoal);
  font-size: 14.5px;
  font-weight: 700;
  padding: 13px 30px;
  border-radius: 999px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 18px rgba(244,176,65,0.3);
  letter-spacing: 0.01em;
}

.btn-finindep:hover {
  background: #f0a832;
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(244,176,65,0.45);
}

/* ---- Right: Image ---- */
.finindep-visual {
  position: relative;
}

.finindep-img-frame {
  border-radius: 24px;
  overflow: hidden;
  position: relative;
  box-shadow:
    0 0 0 1px rgba(0,160,160,0.25),
    0 0 0 8px rgba(0,160,160,0.08),
    0 24px 64px rgba(0,0,0,0.4);
}

.finindep-img {
  width: 100%;
  height: 500px;
  object-fit: cover;
  object-position: center;
  display: block;
}

/* Gradient fade at bottom of image */
.finindep-img-frame::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 40%;
  background: linear-gradient(to top, rgba(11,60,93,0.7) 0%, transparent 100%);
  pointer-events: none;
}

/* Caption over image bottom */
.finindep-img-caption {
  position: absolute;
  bottom: 20px;
  left: 20px;
  right: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  color: rgba(247,249,251,0.85);
  letter-spacing: 0.03em;
  z-index: 1;
}

/* ============================================================
   SOLUTIONS & SERVICES SECTION  –  Fresh design
   ============================================================ */
.services-section {
  background: var(--offwhite);
  padding: 96px 0 104px;
  position: relative;
}

.services-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

/* Header */
.services-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 56px;
}

.services-eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
}

.services-heading {
  font-family: var(--font-display);
  font-size: clamp(28px, 3vw, 44px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.18;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}

.services-tagline {
  font-size: 15px;
  color: var(--teal);
  font-weight: 500;
  margin-bottom: 12px;
}

.services-subtext {
  font-size: 14.5px;
  line-height: 1.7;
  color: rgba(34,40,49,0.68);
}

/* Cards grid */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* Card base */
.svc-card {
  background: #fff;
  border-radius: 20px;
  padding: 32px 28px 28px;
  border: 1px solid #edf0f4;
  box-shadow: 0 4px 20px rgba(11,60,93,0.06);
  display: flex;
  flex-direction: column;
  gap: 14px;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s;
}

/* Top accent bar using CSS var per card */
.svc-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--accent);
  border-radius: 20px 20px 0 0;
}

.svc-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 40px rgba(11,60,93,0.12);
}

/* Featured cards (center column) */
.svc-card--featured {
  background: var(--navy);
  border-color: transparent;
  box-shadow: 0 8px 32px rgba(11,60,93,0.22);
}

.svc-card--featured::before {
  background: var(--accent);
}

.svc-card--featured .svc-title { color: var(--offwhite); }
.svc-card--featured .svc-text  { color: rgba(247,249,251,0.75); }
.svc-card--featured .svc-link  { color: var(--accent); }
.svc-card--featured .svc-link:hover { color: #fff; }

/* Icon wrap — uses inline CSS vars per card */
.svc-icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--icon-bg);
  color: var(--icon-color);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.svc-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.3;
}

.svc-text {
  font-size: 13.5px;
  line-height: 1.72;
  color: rgba(34,40,49,0.7);
  flex: 1;
}

.svc-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--accent);
  transition: gap 0.2s, color 0.2s;
  margin-top: 4px;
}

.svc-link:hover { gap: 10px; }

/* ============================================================
   CALLBACK CTA SECTION  –  Fresh design
   ============================================================ */
.callback-section {
  position: relative;
  min-height: 420px;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.callback-bg-img {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.callback-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
}

/* Two-tone overlay: navy strong on left, fades to transparent on right */
.callback-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    100deg,
    rgba(11,60,93,0.96) 0%,
    rgba(11,60,93,0.88) 40%,
    rgba(11,60,93,0.55) 65%,
    rgba(11,60,93,0.1)  100%
  );
}

.callback-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 80px var(--gutter);
}

.callback-content {
  max-width: 520px;
}

.callback-eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.callback-eyebrow::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}

.callback-heading {
  font-family: var(--font-display);
  font-size: clamp(28px, 3.2vw, 46px);
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}

.callback-text {
  font-size: 15px;
  color: rgba(247,249,251,0.72);
  line-height: 1.65;
  margin-bottom: 36px;
}

.btn-callback {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--gold);
  color: var(--charcoal);
  font-size: 15px;
  font-weight: 700;
  padding: 14px 32px;
  border-radius: 999px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 20px rgba(244,176,65,0.35);
  letter-spacing: 0.01em;
}

.btn-callback:hover {
  background: #f0a832;
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(244,176,65,0.5);
}

/* ============================================================
   6 STAGES SECTION  –  Fresh design
   ============================================================ */
.stages-section {
  background: var(--navy);
  padding: 96px 0 104px;
  position: relative;
  overflow: hidden;
}

/* Subtle teal glow bottom-right */
.stages-section::after {
  content: '';
  position: absolute;
  bottom: -80px;
  right: -80px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(0,160,160,0.1) 0%, transparent 65%);
  pointer-events: none;
}

.stages-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.stages-header {
  margin-bottom: 56px;
}

.stages-eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.stages-eyebrow::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}

.stages-heading {
  font-family: var(--font-display);
  font-size: clamp(26px, 2.8vw, 40px);
  font-weight: 700;
  color: var(--offwhite);
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin-bottom: 10px;
  max-width: 600px;
}

.stages-subtext {
  font-size: 14.5px;
  color: rgba(247,249,251,0.58);
  line-height: 1.6;
}

/* Horizontal track */
.stages-track {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  position: relative;
}

/* Connecting horizontal line behind all circles */
.stages-track::before {
  content: '';
  position: absolute;
  top: 28px;
  left: calc(100% / 12);
  right: calc(100% / 12);
  height: 2px;
  background: linear-gradient(90deg,
    var(--gold) 0%,
    var(--green) 20%,
    var(--teal) 40%,
    rgba(11,60,93,0.6) 60%,
    var(--green) 80%,
    var(--teal) 100%
  );
  z-index: 0;
}

.stage-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
  z-index: 1;
  padding: 0 8px;
}

/* Numbered circle */
.stage-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 800;
  color: #fff;
  flex-shrink: 0;
  margin-bottom: 20px;
  position: relative;
  z-index: 1;
  box-shadow: 0 4px 16px rgba(0,0,0,0.25);
  letter-spacing: 0.04em;
}

.stage-item--gold  .stage-num { background: var(--gold); color: var(--charcoal); }
.stage-item--green .stage-num { background: var(--green); }
.stage-item--teal  .stage-num { background: var(--teal); }
.stage-item--navy  .stage-num { background: rgba(255,255,255,0.15); border: 2px solid rgba(255,255,255,0.3); }

.stage-body { padding: 0 4px; }

.stage-title {
  font-size: 14px;
  font-weight: 700;
  color: var(--offwhite);
  margin-bottom: 8px;
  line-height: 1.3;
}

.stage-text {
  font-size: 12.5px;
  line-height: 1.65;
  color: rgba(247,249,251,0.6);
}

/* ============================================================
   FAQ SECTION  –  Fresh design
   ============================================================ */
.faq-section {
  background: var(--offwhite);
  padding: 96px 0;
}

.faq-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 420px 1fr;
  gap: 72px;
  align-items: start;
}

/* ---- Left: Image ---- */
.faq-visual {
  position: relative;
}

.faq-img-wrap {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 8px 16px 40px rgba(11,60,93,0.13);
}

.faq-img {
  width: 100%;
  height: 460px;
  object-fit: cover;
  object-position: top center;
  display: block;
}

/* Support floating card */
.faq-support-card {
  position: absolute;
  bottom: -24px;
  left: 20px;
  right: 20px;
  background: #fff;
  border-radius: 16px;
  padding: 18px 20px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  box-shadow: 0 10px 32px rgba(11,60,93,0.14);
  border: 1px solid rgba(0,160,160,0.1);
}

.faq-support-icon {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: rgba(244,176,65,0.12);
  border: 1.5px solid rgba(244,176,65,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}

.faq-support-title {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 5px;
}

.faq-support-text {
  font-size: 12.5px;
  color: rgba(34,40,49,0.65);
  line-height: 1.55;
}

/* ---- Right: FAQ content ---- */
.faq-content {
  padding-top: 8px;
}

.faq-eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.faq-eyebrow::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}

.faq-heading {
  font-family: var(--font-display);
  font-size: clamp(24px, 2.4vw, 36px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.22;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
}

.faq-subtext {
  font-size: 14px;
  color: rgba(34,40,49,0.65);
  line-height: 1.7;
  margin-bottom: 36px;
}

/* Accordion using native <details> */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid #e3e8ef;
  background: #fff;
  transition: box-shadow 0.2s;
}

.faq-item[open] {
  border-color: var(--teal);
  box-shadow: 0 4px 20px rgba(0,160,160,0.1);
}

.faq-question {
  list-style: none;
  padding: 18px 20px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  user-select: none;
  transition: background 0.2s, color 0.2s;
}

.faq-question::-webkit-details-marker { display: none; }
.faq-question::marker { display: none; }

/* Custom chevron via pseudo-element */
.faq-question::after {
  content: '';
  display: inline-block;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--offwhite);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230B3C5D' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-size: 14px;
  background-repeat: no-repeat;
  background-position: center;
  flex-shrink: 0;
  transition: transform 0.25s, background-color 0.2s;
}

.faq-item[open] .faq-question {
  color: var(--teal);
  background: rgba(0,160,160,0.04);
}

.faq-item[open] .faq-question::after {
  transform: rotate(180deg);
  background-color: rgba(0,160,160,0.12);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300A0A0' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
}

.faq-answer {
  padding: 4px 20px 20px;
  border-top: 1px solid rgba(0,160,160,0.12);
}

.faq-answer p {
  font-size: 14px;
  line-height: 1.75;
  color: rgba(34,40,49,0.72);
  padding-top: 14px;
}

/* ============================================================
   FOOTER  –  Fresh design, shared across all pages
   ============================================================ */

/* ---- Compliance Bar ---- */
.footer-compliance {
  background: color-mix(in srgb, var(--navy) 85%, black 15%);
  border-bottom: 1px solid rgba(0,160,160,0.2);
  padding: 18px 0;
}

.footer-compliance-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 8px;
}

.footer-compliance-name {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--offwhite);
}

.footer-compliance-notice {
  font-size: 11.5px;
  color: rgba(247,249,251,0.55);
  line-height: 1.6;
  max-width: 800px;
}

/* ---- Main Footer ---- */
.footer-main {
  background: var(--navy);
  padding: 64px 0 56px;
}

.footer-main-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 260px 1fr 1fr 280px;
  gap: 48px;
}

/* Brand column */
.footer-brand { display: flex; flex-direction: column; gap: 18px; }

.footer-logo-link { display: inline-flex; }

.footer-logo {
  height: 56px;
  width: auto;
}

.footer-brand-text {
  font-size: 13px;
  line-height: 1.72;
  color: rgba(247,249,251,0.55);
}

/* Social icons */
.footer-socials {
  display: flex;
  gap: 10px;
}

.footer-social {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(244,176,65,0.15);
  border: 1px solid rgba(244,176,65,0.35);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s, color 0.2s, border-color 0.2s, transform 0.15s;
}

.footer-social:hover {
  background: var(--gold);
  color: var(--charcoal);
  border-color: var(--gold);
  transform: translateY(-2px);
}

/* Link columns */
.footer-col { display: flex; flex-direction: column; gap: 16px; }

.footer-col-title {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--offwhite);
  letter-spacing: 0.04em;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(0,160,160,0.2);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 0;
  margin: 0;
}

.footer-links a {
  font-size: 13.5px;
  color: rgba(247,249,251,0.62);
  transition: color 0.2s, padding-left 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer-links a::before {
  content: '';
  display: inline-block;
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--teal);
  flex-shrink: 0;
  opacity: 0;
  transition: opacity 0.2s;
}

.footer-links a:hover {
  color: var(--teal);
  padding-left: 4px;
}

.footer-links a:hover::before { opacity: 1; }

/* Newsletter */
.footer-newsletter-col { gap: 14px; }

.footer-newsletter-text {
  font-size: 13px;
  color: rgba(247,249,251,0.55);
  line-height: 1.55;
}

.footer-newsletter-form { margin-top: 4px; }

.footer-newsletter-row {
  display: flex;
  gap: 8px;
}

.footer-newsletter-input {
  flex: 1;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 999px;
  padding: 10px 16px;
  font-size: 13.5px;
  color: var(--offwhite);
  font-family: var(--font-body);
  outline: none;
  transition: border-color 0.2s, background 0.2s;
  min-width: 0;
}

.footer-newsletter-input::placeholder { color: rgba(247,249,251,0.4); }

.footer-newsletter-input:focus {
  border-color: var(--teal);
  background: rgba(0,160,160,0.08);
}

.footer-newsletter-btn {
  flex-shrink: 0;
  background: var(--green);
  color: #fff;
  font-size: 13.5px;
  font-weight: 600;
  padding: 10px 20px;
  border-radius: 999px;
  transition: background 0.2s, transform 0.15s;
  cursor: pointer;
  white-space: nowrap;
}

.footer-newsletter-btn:hover {
  background: #178a4e;
  transform: translateY(-1px);
}

/* ---- Divider ---- */
.footer-divider-wrap {
  background: var(--navy);
  padding: 0 var(--gutter);
}

.footer-divider {
  max-width: var(--max-w);
  margin: 0 auto;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(0,160,160,0.35) 20%, rgba(0,160,160,0.35) 80%, transparent);
}

/* ---- Disclaimer ---- */
.footer-disclaimer {
  background: color-mix(in srgb, var(--navy) 85%, black 15%);
  padding: 40px 0;
}

.footer-disclaimer-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.disclaimer-badge {
  display: inline-flex;
  align-items: center;
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 0.12em;
  color: var(--charcoal);
  background: var(--gold);
  padding: 4px 12px;
  border-radius: 4px;
}

.footer-disclaimer-bold {
  font-size: 12px;
  font-weight: 700;
  color: rgba(247,249,251,0.75);
  line-height: 1.65;
  letter-spacing: 0.01em;
}

.footer-disclaimer-text {
  font-size: 12px;
  color: rgba(247,249,251,0.48);
  line-height: 1.72;
}

.footer-disclaimer-text strong {
  color: rgba(247,249,251,0.7);
  font-weight: 600;
}

/* ---- Copyright ---- */
.footer-copyright {
  background: color-mix(in srgb, var(--navy) 78%, black 22%);
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.05);
}

.footer-copyright-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  text-align: center;
}

.footer-copyright p {
  font-size: 12px;
  color: rgba(247,249,251,0.38);
}

/* ============================================================
   PRODUCTS PAGE – HERO  (Centered page banner)
   ============================================================ */
.prod-hero {
  background: linear-gradient(140deg, #062d47 0%, var(--navy) 55%, #0a4a5e 100%);
  padding: 0;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.prod-hero-mesh {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(0,160,160,0.07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0,160,160,0.07) 1px, transparent 1px);
  background-size: 56px 56px;
  pointer-events: none;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, rgba(0,0,0,0.6) 0%, transparent 100%);
}

.prod-hero-accent {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 4px;
  height: 60%;
  background: linear-gradient(to bottom, transparent, var(--gold) 50%, transparent);
  pointer-events: none;
}

.prod-hero-inner {
  flex: 1;
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 40px var(--gutter) 56px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  position: relative;
  z-index: 1;
}

.prod-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12.5px;
  color: rgba(247,249,251,0.5);
  align-self: flex-start;
  margin-bottom: 48px;
}

.prod-breadcrumb-link {
  color: rgba(247,249,251,0.5);
  transition: color 0.2s;
  text-decoration: none;
}

.prod-breadcrumb-link:hover { color: var(--teal); }
.prod-breadcrumb-sep { color: rgba(247,249,251,0.25); font-size: 11px; }
.prod-breadcrumb-current { color: var(--teal); font-weight: 600; }

.prod-hero-content {
  text-align: left;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  margin-bottom: 56px;
}

.prod-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
}

.prod-hero-heading {
  font-family: var(--font-display);
  font-size: clamp(36px, 5.5vw, 72px);
  font-weight: 800;
  color: var(--offwhite);
  line-height: 1.08;
  letter-spacing: -0.03em;
}

.prod-hero-heading-accent {
  display: block;
  color: var(--gold);
}

.prod-hero-tags {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  justify-content: flex-start;
}

.prod-tag {
  font-size: 12px;
  font-weight: 600;
  color: rgba(247,249,251,0.6);
  letter-spacing: 0.04em;
  white-space: nowrap;
  transition: color 0.2s;
  cursor: default;
}

.prod-tag:hover { color: var(--teal); }

.prod-tag-sep {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: rgba(0,160,160,0.4);
  flex-shrink: 0;
}

.prod-hero-stripe {
  height: 5px;
  background: linear-gradient(90deg, var(--teal) 0%, var(--green) 50%, var(--gold) 100%);
  flex-shrink: 0;
}

@media (max-width: 640px) {
  .prod-hero-inner { padding: 32px var(--gutter) 44px; }
  .prod-hero-tags { gap: 8px; }
  .prod-tag { font-size: 11px; }
}

/* ============================================================
   PRODUCTS PAGE – INTRO HEADING SECTION
   ============================================================ */
.prod-intro {
  background: #fff;
  padding: 80px 0 72px;
  border-bottom: 1px solid #edf0f4;
}

.prod-intro-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  flex-direction: column;
  gap: 40px;
}

/* Top: split heading + body */
.prod-intro-top {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: end;
}

.prod-intro-eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.prod-intro-heading {
  font-family: var(--font-display);
  font-size: clamp(26px, 2.8vw, 42px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.prod-intro-body {
  font-size: 15px;
  line-height: 1.75;
  color: rgba(34,40,49,0.65);
  padding-bottom: 6px;
}

/* Teal divider line */
.prod-intro-divider {
  height: 1px;
  background: linear-gradient(90deg, var(--teal), rgba(0,160,160,0.1) 60%, transparent);
}

/* Stats row */
.prod-intro-stats {
  display: flex;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
}

.prod-stat {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 0 40px 0 0;
}

.prod-stat-num {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -0.02em;
}

.prod-stat-label {
  font-size: 12px;
  font-weight: 600;
  color: rgba(34,40,49,0.55);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  white-space: nowrap;
}

.prod-stat-sep {
  width: 1px;
  height: 40px;
  background: #e0e5ec;
  flex-shrink: 0;
  margin-right: 40px;
}

/* Responsive */
@media (max-width: 860px) {
  .prod-intro-top { grid-template-columns: 1fr; gap: 24px; }
  .prod-intro-stats { gap: 24px 0; }
  .prod-stat { padding-right: 24px; }
  .prod-stat-sep { margin-right: 24px; height: 32px; }
}

@media (max-width: 480px) {
  .prod-intro { padding: 56px 0 48px; }
  .prod-intro-stats { flex-wrap: wrap; gap: 20px 0; }
  .prod-stat-sep { display: none; }
  .prod-stat { padding-right: 0; min-width: 45%; }
}

/* ============================================================
   PRODUCTS PAGE – PRODUCT DETAIL SECTION (reusable template)
   ============================================================ */
.prod-detail {
  background: var(--offwhite);
  padding: 0 0 80px;
  position: relative;
  border-bottom: 1px solid #e8ecf1;
}

/* Colored top accent bar per product */
.prod-detail-bar {
  height: 5px;
  margin-bottom: 64px;
}
.prod-detail-bar--green  { background: linear-gradient(90deg, var(--green), rgba(30,154,90,0.2)); }
.prod-detail-bar--teal   { background: linear-gradient(90deg, var(--teal), rgba(0,160,160,0.2)); }
.prod-detail-bar--navy   { background: linear-gradient(90deg, var(--navy), rgba(11,60,93,0.2)); }
.prod-detail-bar--gold   { background: linear-gradient(90deg, var(--gold), rgba(244,176,65,0.2)); }

/* Two-column layout: aside + content */
.prod-detail-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 340px 1fr;
  gap: 56px;
  align-items: start;
}

/* ---- Aside: image + key facts ---- */
.prod-detail-aside {
  position: sticky;
  top: calc(var(--nav-height) + 24px);
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.prod-detail-img-wrap {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(11,60,93,0.14);
  position: relative;
}

.prod-detail-img {
  width: 100%;
  height: 240px;
  object-fit: cover;
  display: block;
}

.prod-detail-img-badge {
  position: absolute;
  bottom: 12px;
  left: 12px;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(11,60,93,0.88);
  backdrop-filter: blur(4px);
  color: var(--gold);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
  border: 1px solid rgba(244,176,65,0.3);
}

/* Key facts card */
.prod-key-facts {
  background: #fff;
  border-radius: 14px;
  border: 1px solid #e3e8ef;
  overflow: hidden;
  box-shadow: 0 4px 16px rgba(11,60,93,0.07);
}

.prod-key-facts-title {
  background: var(--navy);
  color: var(--offwhite);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 10px 16px;
}

.prod-key-fact {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 16px;
  border-bottom: 1px solid #f0f3f6;
  gap: 12px;
}

.prod-key-fact:last-child { border-bottom: none; }

.prod-key-fact-label {
  font-size: 12px;
  color: rgba(34,40,49,0.55);
  font-weight: 500;
}

.prod-key-fact-val {
  font-size: 12.5px;
  font-weight: 700;
  color: var(--navy);
  text-align: right;
}

/* ---- Main content ---- */
.prod-detail-content {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.prod-detail-category {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--cat-color, var(--green));
  margin-bottom: -8px;
}

.prod-detail-category::before {
  content: '';
  display: inline-block;
  width: 20px;
  height: 2px;
  background: var(--cat-color, var(--green));
  border-radius: 2px;
}

.prod-detail-heading {
  font-family: var(--font-display);
  font-size: clamp(28px, 3vw, 42px);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.12;
  letter-spacing: -0.025em;
}

.prod-detail-quote {
  font-size: 15.5px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.55;
  border-left: 4px solid var(--green);
  padding-left: 16px;
  margin: 4px 0;
  font-style: normal;
}

.prod-detail-body {
  font-size: 14.5px;
  line-height: 1.78;
  color: rgba(34,40,49,0.75);
}

/* Subsection title */
.prod-subsection-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-top: 8px;
}

.prod-subsection-note {
  font-size: 12px;
  font-weight: 500;
  color: rgba(34,40,49,0.45);
  font-style: italic;
}

/* AUM growth bar chart */
.prod-stats-block {
  background: #fff;
  border: 1px solid #e3e8ef;
  border-radius: 16px;
  padding: 24px 24px 20px;
  box-shadow: 0 4px 16px rgba(11,60,93,0.06);
}

.aum-chart {
  display: flex;
  align-items: flex-end;
  gap: 10px;
  height: 120px;
  margin-top: 16px;
  padding-bottom: 24px;
  border-bottom: 2px solid #e8ecf1;
  position: relative;
}

.aum-bar-group {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  height: 100%;
  justify-content: flex-end;
}

.aum-bar {
  width: 100%;
  height: var(--h);
  background: rgba(30,154,90,0.25);
  border-radius: 6px 6px 0 0;
  position: relative;
  min-height: 8px;
  transition: background 0.2s;
}

.aum-bar:hover { background: rgba(30,154,90,0.45); }

.aum-bar--featured {
  background: var(--green);
}

.aum-bar--featured:hover { background: #178a4e; }

.aum-bar-val {
  position: absolute;
  top: -20px;
  left: 50%;
  transform: translateX(-50%);
  font-size: 9.5px;
  font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
}

.aum-bar-year {
  font-size: 10.5px;
  color: rgba(34,40,49,0.5);
  font-weight: 600;
  position: absolute;
  bottom: 4px;
}

/* ---- Full-width section below two columns ---- */
.prod-detail-fullwidth {
  margin-top: 56px;
  padding: 0 var(--gutter);
}

.prod-detail-fullwidth-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

/* BBFDS branded note box */
.prod-bbfds-note {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: rgba(11,60,93,0.04);
  border: 1px solid rgba(11,60,93,0.1);
  border-left: 4px solid var(--navy);
  border-radius: 12px;
  padding: 18px 20px;
}

.prod-bbfds-note--green {
  background: rgba(30,154,90,0.04);
  border-color: rgba(30,154,90,0.15);
  border-left-color: var(--green);
}

.prod-bbfds-note svg { color: var(--navy); flex-shrink: 0; margin-top: 2px; }
.prod-bbfds-note--green svg { color: var(--green); }

.prod-bbfds-note p {
  font-size: 14px;
  line-height: 1.72;
  color: rgba(34,40,49,0.78);
}

/* Sub-section grid */
.prod-sub-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.prod-sub-heading {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.35;
}

.prod-bullet-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 10px;
}

.prod-bullet-list li {
  font-size: 14px;
  color: rgba(34,40,49,0.72);
  line-height: 1.6;
  padding-left: 16px;
  position: relative;
}

.prod-bullet-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 8px;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--green);
}

/* Highlight block — tinted content box */
.prod-highlight-block {
  border-radius: 12px;
  padding: 20px 22px;
  border: 1px solid transparent;
}

.prod-highlight-block--teal {
  background: rgba(0,160,160,0.06);
  border-color: rgba(0,160,160,0.2);
}

.prod-highlight-block--green {
  background: rgba(30,154,90,0.06);
  border-color: rgba(30,154,90,0.2);
}

.prod-highlight-title {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.prod-bullet-list--teal li::before { background: var(--teal); }

/* Risk level visual indicator */
.prod-risk-indicator {
  background: #fff;
  border: 1px solid #e3e8ef;
  border-radius: 12px;
  padding: 14px 16px;
}

.prod-risk-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(34,40,49,0.5);
  margin-bottom: 10px;
}

.prod-risk-bar {
  height: 8px;
  background: #e8ecf1;
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 6px;
}

.prod-risk-fill {
  height: 100%;
  border-radius: 999px;
}

.prod-risk-fill--low         { width: 25%; background: var(--green); }
.prod-risk-fill--medium      { width: 50%; background: var(--gold); }
.prod-risk-fill--medium-high { width: 70%; background: linear-gradient(90deg, var(--gold), #f07030); }
.prod-risk-fill--high        { width: 90%; background: #e03030; }

.prod-risk-scale {
  display: flex;
  justify-content: space-between;
  font-size: 10px;
  color: rgba(34,40,49,0.45);
  font-weight: 500;
}

.prod-key-fact-val--risk {
  color: #f07030;
}

/* Responsive */
@media (max-width: 900px) {
  .prod-detail-inner { grid-template-columns: 1fr; gap: 32px; }
  .prod-detail-aside { position: static; }
  .prod-detail-img { height: 200px; }
  .prod-sub-grid { grid-template-columns: 1fr; gap: 20px; }
}

@media (max-width: 480px) {
  .prod-detail-bar { margin-bottom: 40px; }
  .aum-chart { height: 90px; }
  .aum-bar-val { font-size: 8px; }
}

/* ============================================================
   ABOUT PAGE – VISION / MISSION / VALUES
   Layout: Top row (heading + image) → Bottom row (3 equal cards)
   ============================================================ */
.abt-vmv-section {
  background: var(--navy);
  padding: 96px 0 104px;
  position: relative;
  overflow: hidden;
}

.abt-vmv-section::before {
  content: '';
  position: absolute;
  bottom: -100px;
  left: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(0,160,160,0.08) 0%, transparent 65%);
  pointer-events: none;
}

.abt-vmv-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  flex-direction: column;
  gap: 48px;
}

/* ---- Top row: Heading left + Image right ---- */
.abt-vmv-top {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 56px;
  align-items: center;
}

.abt-vmv-eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.abt-vmv-heading {
  font-family: var(--font-display);
  font-size: clamp(26px, 2.8vw, 42px);
  font-weight: 700;
  color: var(--offwhite);
  line-height: 1.2;
  letter-spacing: -0.02em;
}

/* Image */
.abt-vmv-img-wrap {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 56px rgba(0,0,0,0.35);
}

.abt-vmv-img {
  width: 100%;
  height: 280px;
  object-fit: cover;
  object-position: top center;
  display: block;
}

.abt-vmv-img-badge {
  position: absolute;
  bottom: 16px;
  left: 16px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(11,60,93,0.85);
  backdrop-filter: blur(6px);
  border: 1px solid rgba(0,160,160,0.3);
  color: var(--teal);
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 7px 14px;
  border-radius: 999px;
}

/* ---- Bottom row: 3 equal cards ---- */
.abt-vmv-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  align-items: stretch;
}

.abt-vmv-card {
  border-radius: 20px;
  padding: 36px 28px 32px;
  display: flex;
  flex-direction: column;
  gap: 0;
  position: relative;
  overflow: hidden;
}

/* Large ghost number top-right */
.abt-vmv-card-num {
  position: absolute;
  top: -8px;
  right: 16px;
  font-family: var(--font-display);
  font-size: 80px;
  font-weight: 800;
  color: rgba(255,255,255,0.06);
  line-height: 1;
  letter-spacing: -0.04em;
  user-select: none;
}

.abt-vmv-card-title {
  font-size: 20px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 14px;
  position: relative;
  z-index: 1;
}

.abt-vmv-card-divider {
  width: 36px;
  height: 3px;
  border-radius: 2px;
  background: rgba(255,255,255,0.3);
  margin-bottom: 18px;
  flex-shrink: 0;
}

.abt-vmv-card-text {
  font-size: 14px;
  line-height: 1.78;
  color: rgba(255,255,255,0.8);
  flex: 1;
  position: relative;
  z-index: 1;
}

/* Card colors */
.abt-vmv-card--navy  { background: linear-gradient(145deg, #0d4a72 0%, #0B3C5D 100%); border: 1px solid rgba(255,255,255,0.08); }
.abt-vmv-card--green { background: linear-gradient(145deg, #22b068 0%, var(--green) 100%); }
.abt-vmv-card--teal  { background: linear-gradient(145deg, #00b5b5 0%, var(--teal) 100%); }

.abt-vmv-card--navy .abt-vmv-card-divider  { background: var(--gold); }
.abt-vmv-card--green .abt-vmv-card-divider { background: rgba(255,255,255,0.4); }
.abt-vmv-card--teal .abt-vmv-card-divider  { background: rgba(255,255,255,0.4); }

/* Values list inside teal card */
.abt-vmv-values-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex: 1;
  position: relative;
  z-index: 1;
}

.abt-vmv-values-list li {
  font-size: 13.5px;
  line-height: 1.58;
  color: rgba(255,255,255,0.85);
  padding-left: 14px;
  position: relative;
}

.abt-vmv-values-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 7px;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: rgba(255,255,255,0.5);
  flex-shrink: 0;
}

.abt-vmv-values-list li strong {
  color: #fff;
  font-weight: 600;
  display: block;
}

/* ---- Responsive ---- */
@media (max-width: 960px) {
  .abt-vmv-top { grid-template-columns: 1fr 320px; gap: 40px; }
}

@media (max-width: 768px) {
  .abt-vmv-top { grid-template-columns: 1fr; }
  .abt-vmv-top-right { order: -1; }
  .abt-vmv-img { height: 220px; }
  .abt-vmv-cards { grid-template-columns: 1fr; }
}

@media (max-width: 580px) {
  .abt-vmv-section { padding: 64px 0; }
}

/* ============================================================
   ABOUT PAGE – PARTNERSHIP CTA SECTION
   ============================================================ */
.abt-partner-section {
  background: var(--offwhite);
}

/* ---- Top: Split banner ---- */
.abt-partner-banner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 420px;
}

/* Left: Navy content panel */
.abt-partner-content {
  background: var(--navy);
  padding: 72px 56px 72px var(--gutter);
  max-width: 680px;
  margin-left: auto;
  width: 100%;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 20px;
  position: relative;
}

/* Teal glow inside content panel */
.abt-partner-content::after {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 280px;
  height: 280px;
  background: radial-gradient(circle, rgba(0,160,160,0.12) 0%, transparent 65%);
  pointer-events: none;
}

.abt-partner-eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
}

.abt-partner-heading {
  font-family: var(--font-display);
  font-size: clamp(24px, 2.6vw, 38px);
  font-weight: 700;
  color: var(--offwhite);
  line-height: 1.22;
  letter-spacing: -0.02em;
}

.abt-partner-body {
  font-size: 14.5px;
  line-height: 1.72;
  color: rgba(247,249,251,0.65);
}

.btn-abt-partner {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--offwhite);
  border: 1.5px solid rgba(247,249,251,0.35);
  padding: 11px 26px;
  border-radius: 999px;
  transition: border-color 0.2s, background 0.2s, transform 0.15s;
  align-self: flex-start;
  margin-top: 8px;
}

.btn-abt-partner:hover {
  border-color: var(--offwhite);
  background: rgba(247,249,251,0.1);
  transform: translateY(-1px);
}

/* Right: Image panel */
.abt-partner-visual {
  position: relative;
  overflow: hidden;
}

.abt-partner-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
  display: block;
}

/* Subtle teal glow bleeding from left edge into image */
.abt-partner-img-glow {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(11,60,93,0.3) 0%, transparent 40%);
  pointer-events: none;
}

/* ---- Bottom: Opportunity cards ---- */
.abt-partner-cards-wrap {
  padding: 56px var(--gutter) 80px;
  max-width: var(--max-w);
  margin: 0 auto;
}

.abt-partner-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.abt-opp-card {
  border-radius: 20px;
  padding: 44px 40px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s;
}

.abt-opp-card:hover {
  transform: translateY(-4px);
}

/* Large decorative bg shape */
.abt-opp-card::after {
  content: '';
  position: absolute;
  bottom: -40px;
  right: -40px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
  pointer-events: none;
}

.abt-opp-card--navy {
  background: linear-gradient(135deg, #0d4a72 0%, var(--navy) 100%);
  box-shadow: 0 12px 40px rgba(11,60,93,0.28);
}

.abt-opp-card--green {
  background: linear-gradient(135deg, #22b068 0%, var(--green) 100%);
  box-shadow: 0 12px 40px rgba(30,154,90,0.28);
}

.abt-opp-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  margin-bottom: 4px;
  flex-shrink: 0;
}

.abt-opp-title {
  font-size: 20px;
  font-weight: 700;
  color: #fff;
  line-height: 1.3;
}

.abt-opp-sub {
  font-size: 14px;
  color: rgba(255,255,255,0.68);
  line-height: 1.5;
  flex: 1;
}

.btn-abt-opp {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 600;
  padding: 10px 22px;
  border-radius: 999px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  align-self: flex-start;
  margin-top: 12px;
  text-decoration: none;
}

.btn-abt-opp--light {
  background: rgba(255,255,255,0.15);
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.3);
}

.btn-abt-opp--light:hover {
  background: rgba(255,255,255,0.25);
  border-color: rgba(255,255,255,0.6);
  transform: translateY(-1px);
}

/* Responsive */
@media (max-width: 860px) {
  .abt-partner-banner { grid-template-columns: 1fr; min-height: auto; }
  .abt-partner-content { max-width: 100%; padding: 56px var(--gutter); }
  .abt-partner-visual { height: 280px; }
  .abt-partner-cards { grid-template-columns: 1fr; }
  .abt-partner-cards-wrap { padding: 48px var(--gutter) 64px; }
}

@media (max-width: 480px) {
  .abt-partner-content { padding: 48px var(--gutter); gap: 16px; }
  .abt-opp-card { padding: 32px 24px; }
}

/* ============================================================
   ABOUT PAGE – FOUNDER SECTION
   ============================================================ */
.abt-founder-section {
  background: var(--offwhite);
  padding: 96px 0 104px;
  position: relative;
}

/* Subtle gold top accent line */
.abt-founder-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, transparent, var(--gold) 30%, var(--teal) 70%, transparent);
}

.abt-founder-inner {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 460px 1fr;
  gap: 72px;
  align-items: start;
}

/* ---- Left: Image ---- */
.abt-founder-visual { position: relative; }

.abt-founder-img-wrap {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 10px 20px 56px rgba(11,60,93,0.18);
  position: relative;
}

.abt-founder-img {
  width: 100%;
  height: 600px;
  object-fit: cover;
  object-position: top center;
  display: block;
}

/* Decorative navy corner accent block */
.abt-founder-corner {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 80px;
  height: 80px;
  background: var(--navy);
  clip-path: polygon(100% 0, 100% 100%, 0 100%);
  opacity: 0.6;
}

/* Lets Talk Now card */
.abt-founder-contact {
  position: absolute;
  bottom: -20px;
  left: 20px;
  right: 20px;
  background: #fff;
  border-radius: 14px;
  padding: 15px 18px;
  display: flex;
  align-items: center;
  gap: 14px;
  box-shadow: 0 8px 28px rgba(11,60,93,0.15);
  border: 1px solid rgba(0,160,160,0.12);
  text-decoration: none;
  color: var(--charcoal);
  transition: transform 0.2s, box-shadow 0.2s;
}

.abt-founder-contact:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(11,60,93,0.2);
}

.abt-contact-icon {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: rgba(30,154,90,0.1);
  border: 1.5px solid rgba(30,154,90,0.3);
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.abt-contact-label {
  font-size: 13px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 2px;
}

.abt-contact-number {
  font-size: 13px;
  color: rgba(34,40,49,0.6);
}

/* ---- Right: Content ---- */
.abt-founder-content { padding-top: 4px; }

/* Eyebrow with decorative line */
.abt-founder-eyebrow {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.abt-eyebrow-line {
  display: block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

/* Name — large display */
.abt-founder-name {
  font-family: var(--font-display);
  font-size: clamp(30px, 3.2vw, 46px);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: -0.025em;
  margin-bottom: 28px;
}

/* Bio */
.abt-founder-bio {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 28px;
}

.abt-founder-bio p {
  font-size: 14.5px;
  line-height: 1.78;
  color: rgba(34,40,49,0.75);
}

/* Signature block */
.abt-founder-signature {
  padding: 16px 0 20px;
  border-top: 1px dashed rgba(11,60,93,0.15);
  border-bottom: 1px dashed rgba(11,60,93,0.15);
  margin-bottom: 20px;
}

.abt-sig-en {
  font-size: 15px;
  font-weight: 700;
  font-style: italic;
  color: var(--navy);
  font-family: var(--font-display);
  margin-bottom: 4px;
}

.abt-sig-ta {
  font-size: 14px;
  font-style: italic;
  color: var(--teal);
  letter-spacing: 0.02em;
}

/* Social icons */
.abt-founder-socials {
  display: flex;
  gap: 8px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.abt-social {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  transition: transform 0.2s, box-shadow 0.2s;
  flex-shrink: 0;
}

.abt-social:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0,0,0,0.2);
}

.abt-social--linkedin  { background: #0077B5; }
.abt-social--youtube   { background: #FF0000; }
.abt-social--facebook  { background: #1877F2; }
.abt-social--instagram { background: linear-gradient(45deg, #f09433, #e6683c, #dc2743, #cc2366, #bc1888); }
.abt-social--x         { background: #000; }
.abt-social--email     { background: var(--green); }

/* Founder's Profile credentials card */
.abt-profile-card {
  background: #fff;
  border: 1px solid #e3e8ef;
  border-radius: 16px;
  padding: 24px 24px 20px;
  margin-bottom: 32px;
  box-shadow: 0 4px 16px rgba(11,60,93,0.07);
  position: relative;
  overflow: hidden;
}

.abt-profile-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--navy), var(--teal));
}

.abt-profile-title {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}

.abt-profile-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 0;
}

.abt-profile-list li {
  font-size: 13.5px;
  color: rgba(34,40,49,0.78);
  line-height: 1.55;
  padding-left: 18px;
  position: relative;
}

.abt-profile-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 7px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--teal);
}

/* CTA */
.btn-abt-founder {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green);
  color: #fff;
  font-size: 14.5px;
  font-weight: 600;
  padding: 13px 30px;
  border-radius: 999px;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 16px rgba(30,154,90,0.28);
  letter-spacing: 0.01em;
  text-decoration: none;
}

.btn-abt-founder:hover {
  background: #178a4e;
  transform: translateY(-2px);
  box-shadow: 0 6px 22px rgba(30,154,90,0.38);
}

/* Responsive */
@media (max-width: 1024px) {
  .abt-founder-inner { grid-template-columns: 380px 1fr; gap: 56px; }
}

@media (max-width: 860px) {
  .abt-founder-section { padding: 64px 0 80px; }
  .abt-founder-inner { grid-template-columns: 1fr; gap: 0; }
  .abt-founder-visual { margin-bottom: 56px; }
  .abt-founder-img { height: 420px; }
}

@media (max-width: 480px) {
  .abt-founder-img { height: 320px; }
  .abt-founder-name { font-size: 28px; }
  .btn-abt-founder { width: 100%; justify-content: center; }
}

/* ============================================================
   ABOUT PAGE – HERO
   ============================================================ */
.about-hero {
  background: linear-gradient(125deg, #062d47 0%, var(--navy) 50%, #0a4a5e 100%);
  min-height: calc(100vh - var(--nav-height) - var(--topbar-height));
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

/* Subtle dot-grid pattern */
.about-hero-dots {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(0,160,160,0.15) 1px, transparent 1px);
  background-size: 32px 32px;
  pointer-events: none;
  mask-image: linear-gradient(135deg, transparent 30%, rgba(0,0,0,0.6) 70%, transparent 100%);
}

/* Large teal arc top-right */
.about-hero-arc {
  position: absolute;
  top: -220px;
  right: -220px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  border: 1px solid rgba(0,160,160,0.15);
  pointer-events: none;
}

.about-hero-arc::before {
  content: '';
  position: absolute;
  inset: 40px;
  border-radius: 50%;
  border: 1px solid rgba(0,160,160,0.1);
}

.about-hero-inner {
  flex: 1;
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 72px var(--gutter) 80px;
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 1;
}

/* Eyebrow */
.about-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 24px;
}

/* Heading — display font, stacked lines */
.about-hero-heading {
  font-family: var(--font-display);
  font-size: clamp(32px, 4.5vw, 64px);
  font-weight: 800;
  color: var(--offwhite);
  line-height: 1.08;
  letter-spacing: -0.025em;
  margin-bottom: 24px;
}

.about-hero-heading-dim {
  color: var(--gold);
  font-weight: 700;
}

/* Bullet tagline */
.about-hero-tagline {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
  color: rgba(247,249,251,0.65);
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.tagline-dot {
  color: var(--teal);
  font-size: 10px;
}

/* CTA buttons */
.about-hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.btn-about-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--offwhite);
  border: 1.5px solid rgba(247,249,251,0.35);
  padding: 11px 26px;
  border-radius: 999px;
  transition: border-color 0.2s, background 0.2s, color 0.2s, transform 0.15s;
  letter-spacing: 0.01em;
}

.btn-about-outline:hover {
  border-color: var(--offwhite);
  background: rgba(247,249,251,0.08);
  transform: translateY(-1px);
}

.btn-about-outline--teal {
  border-color: rgba(0,160,160,0.5);
  color: var(--teal);
}

.btn-about-outline--teal:hover {
  border-color: var(--teal);
  background: rgba(0,160,160,0.1);
  color: var(--teal);
}

/* Right: description card */
.about-hero-right {
  display: flex;
  align-items: center;
  justify-content: flex-end;
}

.about-hero-desc-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(0,160,160,0.2);
  border-radius: 16px;
  padding: 28px 28px 28px 32px;
  position: relative;
  overflow: hidden;
  backdrop-filter: blur(4px);
}

.about-hero-desc-bar {
  position: absolute;
  top: 0;
  left: 0;
  bottom: 0;
  width: 4px;
  background: linear-gradient(to bottom, var(--teal), var(--green));
}

.about-hero-desc {
  font-size: 15.5px;
  line-height: 1.72;
  color: rgba(247,249,251,0.82);
  font-style: italic;
}

/* Bottom stripe */
.about-hero-stripe {
  height: 5px;
  background: linear-gradient(90deg, var(--teal) 0%, var(--green) 50%, var(--gold) 100%);
  flex-shrink: 0;
}

/* About hero responsive */
@media (max-width: 860px) {
  .about-hero-inner {
    grid-template-columns: 1fr;
    padding: 56px var(--gutter) 64px;
    gap: 36px;
  }
  .about-hero-right { justify-content: flex-start; }
  .about-hero-desc-card { max-width: 500px; }
}

@media (max-width: 480px) {
  .about-hero-inner { padding: 40px var(--gutter) 48px; }
  .about-hero-heading { font-size: clamp(28px, 8vw, 40px); }
  .about-hero-actions { flex-direction: column; align-items: stretch; }
  .btn-about-outline { justify-content: center; }
}

/* ============================================================
   MOBILE NAV DRAWER
   ============================================================ */
.mobile-nav {
  position: fixed;
  top: 0;
  right: 0;
  width: min(320px, 88vw);
  height: 100%;
  background: var(--navy);
  z-index: 2000;
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.32s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: -8px 0 40px rgba(0,0,0,0.35);
  overflow-y: auto;
}

.mobile-nav.is-open {
  transform: translateX(0);
}

.mobile-nav-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.55);
  z-index: 1999;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s;
  backdrop-filter: blur(2px);
}

.mobile-nav-overlay.is-visible {
  opacity: 1;
  pointer-events: all;
}

.mobile-nav-inner {
  display: flex;
  flex-direction: column;
  height: 100%;
  padding: 0 0 32px;
}

.mobile-nav-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  border-bottom: 1px solid rgba(0,160,160,0.18);
  flex-shrink: 0;
}

.mobile-nav-close {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  color: var(--offwhite);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background 0.2s;
}

.mobile-nav-close:hover { background: rgba(255,255,255,0.15); }

.mobile-nav-links {
  flex: 1;
  display: flex;
  flex-direction: column;
  padding: 16px 0;
  overflow-y: auto;
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  font-size: 15px;
  font-weight: 500;
  color: rgba(247,249,251,0.85);
  border-left: 3px solid transparent;
  transition: color 0.2s, background 0.2s, border-color 0.2s;
  text-decoration: none;
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  color: var(--teal);
  background: rgba(0,160,160,0.08);
  border-left-color: var(--teal);
}

.mobile-nav-link.active { color: var(--gold); border-left-color: var(--gold); }

/* Support dropdown inside mobile nav */
.mobile-nav-dropdown { border: none; background: none; }

.mobile-nav-summary {
  list-style: none;
  cursor: pointer;
}

.mobile-nav-summary::-webkit-details-marker { display: none; }

.mobile-nav-dropdown[open] .mobile-nav-summary .chevron {
  transform: rotate(180deg);
}

.mobile-nav-dropdown .chevron {
  transition: transform 0.2s;
  color: rgba(247,249,251,0.5);
}

.mobile-nav-sub {
  background: rgba(0,0,0,0.15);
  border-left: 3px solid rgba(0,160,160,0.3);
  margin-left: 24px;
}

.mobile-nav-sublink {
  display: block;
  padding: 10px 20px;
  font-size: 14px;
  color: rgba(247,249,251,0.65);
  transition: color 0.2s;
  text-decoration: none;
}

.mobile-nav-sublink:hover { color: var(--teal); }

.mobile-nav-footer {
  padding: 16px 24px 0;
  border-top: 1px solid rgba(0,160,160,0.18);
  display: flex;
  flex-direction: column;
  gap: 14px;
  flex-shrink: 0;
}

.mobile-nav-phone {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
  color: rgba(247,249,251,0.7);
  text-decoration: none;
  justify-content: center;
}

.mobile-nav-phone:hover { color: var(--teal); }

/* Hamburger animates to X when open */
.hamburger.is-open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.hamburger.is-open span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}
.hamburger.is-open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ============================================================
   RESPONSIVE  –  Tablet (≤ 1024px)
   ============================================================ */
@media (max-width: 1024px) {
  .hero-inner         { grid-template-columns: 1fr 320px; gap: 40px; }
  .vision-inner       { grid-template-columns: 1fr 1fr; gap: 40px; }
  .founder-inner      { grid-template-columns: 340px 1fr; gap: 48px; }
  .founder-navy-bar   { width: 34%; }
  .finindep-inner     { grid-template-columns: 1fr 340px; gap: 48px; }
  .services-grid      { gap: 18px; }
  .faq-inner          { grid-template-columns: 360px 1fr; gap: 48px; }
  .footer-main-inner  { grid-template-columns: 200px 1fr 1fr; gap: 32px; }
  .footer-newsletter-col { grid-column: 1 / -1; max-width: 420px; }
}

/* ============================================================
   RESPONSIVE  –  Mobile landscape / small tablet (≤ 860px)
   ============================================================ */
@media (max-width: 860px) {
  /* Navbar */
  .navbar-nav, .btn-login { display: none; }
  .hamburger { display: flex; }
  .topbar-company { display: none; }

  /* Shared section padding */
  .vision-section,
  .founder-section,
  .twopath-section,
  .finindep-section,
  .services-section,
  .stages-section,
  .faq-section  { padding: 64px 0; }

  /* Hero */
  .hero { padding: 48px 0 0; }
  .hero-inner { grid-template-columns: 1fr; gap: 32px; align-items: start; }
  .hero-visual { order: -1; }
  .hero-image-card { border-radius: 20px; border-bottom: 1px solid rgba(255,255,255,0.1); }
  .hero-img { height: 300px; }
  .hero-actions { padding-bottom: 48px; gap: 18px; }

  /* Vision */
  .vision-inner { grid-template-columns: 1fr; gap: 56px; }
  .vision-img { height: 300px; }
  .vision-tag { right: 12px; bottom: 12px; }

  /* Founder */
  .founder-inner { grid-template-columns: 1fr; gap: 0; }
  .founder-navy-bar { width: 100%; height: 380px; clip-path: polygon(0 0, 100% 0, 100% 88%, 0 100%); }
  .founder-visual { margin-bottom: 56px; }
  .founder-img { height: 380px; }

  /* Two-Path */
  .twopath-banner { height: 280px; }
  .twopath-cards { grid-template-columns: 1fr; margin-top: -40px; gap: 14px; }
  .twopath-cards-wrap { padding: 0 var(--gutter) 56px; }
  .twopath-divider { flex-direction: row; padding: 0; height: 24px; }
  .twopath-divider-line {
    flex: 1; width: auto; height: 1px; min-height: unset;
    background: linear-gradient(to right, transparent, rgba(244,176,65,0.4), transparent);
  }

  /* Financial Independence */
  .finindep-inner { grid-template-columns: 1fr; gap: 40px; }
  .finindep-visual { order: -1; }
  .finindep-img { height: 300px; }

  /* Services */
  .services-grid { grid-template-columns: repeat(2, 1fr); }

  /* Callback */
  .callback-inner { padding: 56px var(--gutter); }

  /* 6 Stages */
  .stages-header { margin-bottom: 40px; }
  .stages-track { grid-template-columns: repeat(3, 1fr); gap: 28px 12px; }
  .stages-track::before { display: none; }

  /* FAQ */
  .faq-inner { grid-template-columns: 1fr; gap: 72px; }
  .faq-visual { order: -1; }
  .faq-img { height: 300px; }

  /* Footer */
  .footer-main-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-newsletter-col { grid-column: 1 / -1; max-width: 100%; }
}

/* ============================================================
   RESPONSIVE  –  Mobile portrait (≤ 480px)
   ============================================================ */
@media (max-width: 480px) {
  :root { --gutter: 16px; }

  /* Topbar */
  .topbar { display: none; }

  /* Shared section padding */
  .vision-section,
  .founder-section,
  .twopath-section,
  .finindep-section,
  .services-section,
  .stages-section,
  .faq-section { padding: 48px 0; }

  /* Hero */
  .hero { padding: 40px 0 0; }
  .hero-img { height: 240px; }
  .hero-actions { flex-direction: column; align-items: stretch; gap: 12px; padding-bottom: 40px; }
  .btn-products { justify-content: center; }
  .hero-phone { justify-content: center; }

  /* Vision */
  .vision-img { height: 240px; }
  .vision-heading { font-size: 24px; }

  /* Founder */
  .founder-img { height: 300px; }
  .founder-navy-bar { height: 300px; }
  .founder-actions { flex-direction: column; }
  .btn-founder-primary, .btn-founder-secondary { justify-content: center; }
  .snapshot-item { grid-template-columns: 1fr; gap: 3px; }

  /* Two-Path */
  .twopath-banner { height: 240px; }
  .twopath-card { padding: 24px 20px 28px; }
  .twopath-num { font-size: 36px; }

  /* Financial Independence */
  .finindep-img { height: 240px; }
  .finindep-focus-list li { font-size: 13.5px; }

  /* Services */
  .services-grid { grid-template-columns: 1fr; }
  .services-header { margin-bottom: 36px; }

  /* Callback */
  .callback-inner { padding: 48px var(--gutter); }
  .callback-heading { font-size: 28px; }

  /* 6 Stages */
  .stages-track { grid-template-columns: repeat(2, 1fr); gap: 24px 10px; }
  .stage-num { width: 48px; height: 48px; font-size: 13px; }
  .stage-title { font-size: 13px; }
  .stage-text { font-size: 11.5px; }

  /* FAQ */
  .faq-img { height: 260px; }
  .faq-support-card { left: 12px; right: 12px; }
  .faq-inner { gap: 60px; }

  /* Footer */
  .footer-main { padding: 48px 0 40px; }
  .footer-main-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-newsletter-row { flex-direction: column; }
  .footer-compliance-name { font-size: 10.5px; }

  /* Contact hero */
  .contact-info-strip { grid-template-columns: repeat(2, 1fr); }
  .contact-info-card { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.07); }
  .contact-info-card:nth-child(odd) { border-right: 1px solid rgba(255,255,255,0.07); }
  .contact-info-card:last-child { border-bottom: none; }
  .contact-info-card:nth-last-child(2):nth-child(odd) { border-bottom: none; }
}

/* ============================================================
   CONTACT PAGE  –  Hero
   ============================================================ */
.contact-hero {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  box-shadow: inset 0 -4px 0 var(--gold);
}

/* Diagonal stripe texture */
.contact-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(
    -45deg,
    rgba(255,255,255,0.018) 0px,
    rgba(255,255,255,0.018) 1px,
    transparent 1px,
    transparent 48px
  );
  pointer-events: none;
  z-index: 0;
}

/* Gold radial glow – top left */
.contact-hero::after {
  content: '';
  position: absolute;
  top: -60px;
  left: -60px;
  width: 320px;
  height: 320px;
  background: radial-gradient(circle, rgba(244,176,65,0.07) 0%, transparent 62%);
  pointer-events: none;
  z-index: 0;
}

/* Teal radial glow – bottom right */
.contact-hero-glow {
  position: absolute;
  bottom: -100px;
  right: -100px;
  width: 580px;
  height: 580px;
  background: radial-gradient(circle, rgba(0,160,160,0.11) 0%, transparent 62%);
  pointer-events: none;
  z-index: 0;
}

.contact-hero-inner {
  position: relative;
  z-index: 1;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 72px var(--gutter) 0;
}

/* ---- Top: 2-col (content + form) ---- */
.contact-hero-top {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 52px;
  align-items: start;
  padding-bottom: 60px;
}

.contact-hero-left { }

.contact-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 22px;
}

.contact-eyebrow-dash {
  display: inline-block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

.contact-hero-heading {
  font-family: var(--font-display);
  font-size: clamp(26px, 3vw, 46px);
  font-weight: 800;
  color: var(--offwhite);
  line-height: 1.14;
  letter-spacing: -0.025em;
  margin-bottom: 18px;
}

.contact-hero-tagline {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--teal);
  letter-spacing: 0.06em;
  margin-bottom: 20px;
}

.contact-hero-body {
  font-size: 15px;
  line-height: 1.76;
  color: rgba(247,249,251,0.68);
  max-width: 500px;
}

/* ---- Form card ---- */
.contact-form-card {
  background: var(--navy);
  border-top: 4px solid var(--gold);
  border-radius: 0 0 20px 20px;
  padding: 38px 34px 44px;
  box-shadow: 0 28px 72px rgba(0,0,0,0.45);
}

.contact-form-heading {
  font-family: var(--font-display);
  font-size: clamp(18px, 1.7vw, 24px);
  font-weight: 700;
  color: var(--offwhite);
  line-height: 1.2;
  margin-bottom: 10px;
}

.contact-form-subtext {
  font-size: 13px;
  line-height: 1.62;
  color: rgba(247,249,251,0.5);
  margin-bottom: 26px;
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.contact-field {
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.contact-field label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(247,249,251,0.55);
}

.contact-field input {
  background: transparent;
  border: none;
  border-bottom: 1.5px solid rgba(0,160,160,0.3);
  color: var(--offwhite);
  font-family: var(--font-body);
  font-size: 14.5px;
  padding: 10px 0;
  outline: none;
  width: 100%;
  transition: border-color 0.2s;
}

.contact-field input:focus {
  border-bottom-color: var(--teal);
}

.contact-field input::placeholder {
  color: rgba(247,249,251,0.2);
}

.contact-form-btn {
  margin-top: 6px;
  align-self: flex-start;
  background: var(--gold);
  color: var(--charcoal);
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 13px 32px;
  border: none;
  border-radius: 999px;
  cursor: pointer;
  transition: opacity 0.2s, transform 0.15s;
}

.contact-form-btn:hover  { opacity: 0.88; transform: translateY(-1px); }
.contact-form-btn:active { transform: translateY(0); }

/* ---- Bottom: 4-col info strip ---- */
.contact-info-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.contact-info-card {
  padding: 28px 24px 32px;
  border-right: 1px solid rgba(255,255,255,0.07);
  border-top: 3px solid transparent;
  transition: background 0.2s;
}

.contact-info-card:last-child  { border-right: none; }
.contact-info-card:hover       { background: rgba(255,255,255,0.03); }

.contact-info-card--navy  { border-top-color: rgba(11,60,93,0.9); }
.contact-info-card--teal  { border-top-color: var(--teal); }
.contact-info-card--green { border-top-color: var(--green); }
.contact-info-card--gold  { border-top-color: var(--gold); }

.contact-info-card-top {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
}

.contact-info-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-info-icon--navy  { background: rgba(11,60,93,0.55);    color: var(--offwhite); }
.contact-info-icon--teal  { background: rgba(0,160,160,0.15);   color: var(--teal); }
.contact-info-icon--green { background: rgba(30,154,90,0.15);   color: var(--green); }
.contact-info-icon--gold  { background: rgba(244,176,65,0.15);  color: var(--gold); }

.contact-info-title {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--offwhite);
}

.contact-info-text {
  font-size: 12.5px;
  line-height: 1.65;
  color: rgba(247,249,251,0.5);
}

/* ============================================================
   CONTACT  –  Responsive
   ============================================================ */
@media (max-width: 1024px) {
  .contact-hero-top {
    grid-template-columns: 1fr;
    gap: 40px;
    padding-bottom: 48px;
  }
  .contact-hero-body { max-width: 100%; }
  .contact-form-card { max-width: 560px; }
}

@media (max-width: 480px) {
  .contact-hero-inner { padding-top: 48px; }
  .contact-hero-top { padding-bottom: 36px; }
  .contact-info-strip { grid-template-columns: 1fr; }
  .contact-info-card {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.07);
  }
  .contact-info-card:last-child { border-bottom: none; }
  .contact-form-card { padding: 28px 24px 36px; }
}

/* ============================================================
   CONTACT  –  Nameplate
   ============================================================ */
.contact-nameplate {
  background: #fff;
  padding: 80px 0 72px;
}

.nameplate-inner {
  max-width: 900px;
  margin: 0 auto;
  padding: 0 var(--gutter);
  text-align: center;
}

.nameplate-eyebrow {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(11,60,93,0.4);
  margin-bottom: 18px;
}

.nameplate-company-name {
  font-family: var(--font-display);
  font-size: clamp(20px, 2.4vw, 36px);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.18;
  letter-spacing: -0.02em;
  margin-bottom: 10px;
}

.nameplate-company-tamil {
  font-size: 15px;
  color: var(--teal);
  font-weight: 500;
  margin-bottom: 20px;
}

.nameplate-cin {
  display: inline-block;
  background: var(--navy);
  color: var(--offwhite);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.06em;
  padding: 6px 22px;
  border-radius: 999px;
  font-family: 'Courier New', monospace;
  margin-bottom: 28px;
}

.nameplate-divider {
  width: 72px;
  height: 3px;
  background: linear-gradient(to right, var(--navy), var(--teal));
  border-radius: 2px;
  margin: 0 auto 32px;
}

.nameplate-details {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid rgba(11,60,93,0.1);
  border-radius: 12px;
  overflow: hidden;
  text-align: left;
  margin-bottom: 20px;
}

.nameplate-detail-col {
  padding: 24px 28px;
}

.nameplate-detail-col:not(:last-child) {
  border-right: 1px solid rgba(11,60,93,0.1);
}

.nameplate-detail-label {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 8px;
}

.nameplate-detail-value {
  font-size: 13.5px;
  line-height: 1.68;
  color: var(--charcoal);
}

.nameplate-detail-value a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.nameplate-note {
  font-size: 12px;
  color: rgba(34,40,49,0.5);
  font-style: italic;
  text-align: center;
}

/* ============================================================
   CONTACT  –  Map
   ============================================================ */
.contact-map-section {
  position: relative;
  height: 520px;
}

.contact-map-iframe-wrap {
  width: 100%;
  height: 100%;
}

.contact-map-iframe-wrap iframe {
  width: 100%;
  height: 100%;
  display: block;
  border: 0;
}

.contact-map-card {
  position: absolute;
  top: 50%;
  left: 48px;
  transform: translateY(-50%);
  background: var(--navy);
  border-top: 3px solid var(--gold);
  border-radius: 0 0 12px 12px;
  padding: 28px 28px 32px;
  max-width: 268px;
  box-shadow: 0 16px 48px rgba(0,0,0,0.3);
  z-index: 1;
}

.map-card-eyebrow {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 6px;
}

.map-card-heading {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
  color: var(--offwhite);
  margin-bottom: 10px;
}

.map-card-address {
  font-size: 12.5px;
  line-height: 1.65;
  color: rgba(247,249,251,0.62);
  margin-bottom: 18px;
}

.map-card-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 13px;
  font-weight: 600;
  color: var(--teal);
  text-decoration: none;
  transition: color 0.2s;
}

.map-card-link:hover { color: var(--gold); }

/* Responsive – nameplate + map */
@media (max-width: 860px) {
  .nameplate-details { grid-template-columns: 1fr; }
  .nameplate-detail-col:not(:last-child) {
    border-right: none;
    border-bottom: 1px solid rgba(11,60,93,0.1);
  }
  .contact-map-section { height: auto; }
  .contact-map-iframe-wrap { height: 400px; }
  .contact-map-card {
    position: static;
    transform: none;
    max-width: 100%;
    border-radius: 0;
    padding: 24px var(--gutter);
  }
}

@media (max-width: 480px) {
  .contact-nameplate { padding: 52px 0 44px; }
  .nameplate-detail-col { padding: 18px 20px; }
  .contact-map-iframe-wrap { height: 300px; }
  .map-card-address { font-size: 12px; }
}

/* ============================================================
   6-STAGE FRAMEWORK PAGE  –  Hero
   ============================================================ */
.six-hero {
  background: var(--navy);
  border-top: 4px solid var(--gold);
  overflow: hidden;
}

.six-hero-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 80px var(--gutter) 0;
  display: grid;
  grid-template-columns: 55fr 45fr;
  gap: 48px;
  align-items: end;
}

/* ---- Left: text content ---- */
.six-hero-content {
  padding-bottom: 72px;
}

.six-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}

.six-hero-eyebrow-dash {
  display: inline-block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

.six-hero-heading {
  font-size: clamp(28px, 4vw, 58px);
  font-weight: 800;
  color: var(--offwhite);
  line-height: 1.08;
  letter-spacing: -0.03em;
  max-width: 580px;
}

/* ---- Right: ascending staircase bars ---- */
.six-hero-stairs { }

.six-stairs-bars {
  display: flex;
  align-items: flex-end;
  gap: 12px;
  height: 260px;
}

.six-stair {
  flex: 1;
  border-radius: 5px 5px 0 0;
  min-width: 0;
}

.six-stair--1 { height: 28%; background: rgba(255,255,255,0.14); }
.six-stair--2 { height: 44%; background: rgba(0,160,160,0.8); }
.six-stair--3 { height: 58%; background: rgba(30,154,90,0.8); }
.six-stair--4 { height: 72%; background: rgba(244,176,65,0.85); }
.six-stair--5 { height: 86%; background: rgba(0,160,160,0.9); }
.six-stair--6 { height: 100%; background: rgba(247,249,251,0.92); }

.six-stairs-labels {
  display: flex;
  gap: 12px;
  padding: 10px 0 60px;
}

.six-stairs-labels span {
  flex: 1;
  text-align: center;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  color: rgba(247,249,251,0.38);
}

/* Responsive */
@media (max-width: 860px) {
  .six-hero-inner { grid-template-columns: 1fr; gap: 0; }
  .six-hero-content { padding-bottom: 36px; }
  .six-stairs-bars { height: 160px; }
  .six-stairs-labels { padding-bottom: 40px; }
}

@media (max-width: 480px) {
  .six-hero-inner { padding-top: 56px; }
  .six-hero-stairs { display: none; }
  .six-hero-content { padding-bottom: 56px; }
}

/* ============================================================
   6-STAGE  –  Framework Introduction
   ============================================================ */
.six-intro {
  background: #fff;
}

/* ---- Top: narrow heading + teal-bordered body ---- */
.six-intro-top {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 72px var(--gutter) 60px;
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 56px;
  align-items: center;
}

.six-intro-gold-rule {
  width: 40px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin-bottom: 16px;
}

.six-intro-heading {
  font-family: var(--font-display);
  font-size: clamp(24px, 2.6vw, 40px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.six-intro-body {
  font-size: 15px;
  line-height: 1.78;
  color: rgba(34,40,49,0.72);
  border-left: 4px solid var(--teal);
  padding-left: 24px;
}

/* ---- Full-width image ---- */
.six-intro-img-wrap {
  position: relative;
  overflow: hidden;
}

.six-intro-img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  object-position: top center;
  display: block;
}

/* Gradient bleed into green section below */
.six-intro-img-wrap::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 100px;
  background: linear-gradient(to bottom, transparent, var(--green));
  pointer-events: none;
}

/* ---- Green content block ---- */
.six-intro-green {
  background: var(--green);
  padding: 64px 0 72px;
}

.six-intro-green-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.six-intro-para {
  font-size: 14.5px;
  line-height: 1.8;
  color: rgba(247,249,251,0.82);
}

.six-intro-para + .six-intro-para {
  margin-top: 24px;
}

.six-intro-stages-intro {
  font-size: 14.5px;
  line-height: 1.72;
  color: rgba(247,249,251,0.88);
  margin-bottom: 20px;
}

.six-intro-stages-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 13px;
}

.six-intro-stage-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 14px;
  line-height: 1.6;
  color: rgba(247,249,251,0.82);
}

.six-intro-check {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(255,255,255,0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

.six-intro-stage-item strong {
  color: var(--offwhite);
  font-weight: 700;
}

/* Responsive */
@media (max-width: 860px) {
  .six-intro-top { grid-template-columns: 1fr; gap: 28px; }
  .six-intro-body { max-width: 100%; }
  .six-intro-green-inner { grid-template-columns: 1fr; gap: 40px; }
  .six-intro-img { height: 320px; }
}

@media (max-width: 480px) {
  .six-intro-top { padding: 52px var(--gutter) 40px; }
  .six-intro-img { height: 240px; }
  .six-intro-green { padding: 48px 0 56px; }
}

/* ============================================================
   6-STAGE  –  Ring Fencing Across Life Stages
   ============================================================ */
.ring-fencing {
  background: #fff;
}

/* ---- Top: text left + image right ---- */
.ring-fencing-top {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 80px var(--gutter) 40px;
  display: grid;
  grid-template-columns: 55fr 42fr;
  gap: 56px;
  align-items: start;
}

.ring-fencing-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}

.ring-fencing-eyebrow-dash {
  display: inline-block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

.ring-fencing-heading {
  font-family: var(--font-display);
  font-size: clamp(24px, 2.6vw, 40px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin-bottom: 18px;
}

.ring-fencing-body {
  font-size: 14.5px;
  line-height: 1.76;
  color: rgba(34,40,49,0.7);
  margin-bottom: 12px;
}

/* Green callout box for "Perspective" */
.ring-fencing-callout {
  margin-top: 24px;
  background: rgba(30,154,90,0.06);
  border-left: 4px solid var(--green);
  border-radius: 0 8px 8px 0;
  padding: 18px 20px 20px;
}

.ring-fencing-callout-title {
  font-size: 13px;
  font-weight: 700;
  color: var(--green);
  margin-bottom: 8px;
}

.ring-fencing-callout-text {
  font-size: 13.5px;
  line-height: 1.74;
  color: rgba(34,40,49,0.68);
}

/* Sticky image */
.ring-fencing-img-wrap {
  position: sticky;
  top: calc(var(--nav-height) + 24px);
  border-radius: 16px;
  overflow: hidden;
}

.ring-fencing-img {
  width: 100%;
  height: 360px;
  object-fit: cover;
  object-position: top center;
  display: block;
}

/* ---- Bottom: age bands on charcoal ---- */
.ring-fencing-ages {
  background: var(--charcoal);
  padding: 48px 0 52px;
}

.ring-fencing-ages-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.ring-age-col {
  padding: 0 36px;
  border-right: 1px solid rgba(255,255,255,0.09);
  border-top: 3px solid transparent;
}

.ring-age-col:first-child { padding-left: 0; }
.ring-age-col:last-child  { padding-right: 0; border-right: none; }

.ring-age-col--gold  { border-top-color: var(--gold);  }
.ring-age-col--teal  { border-top-color: var(--teal);  }
.ring-age-col--green { border-top-color: var(--green); }

.ring-age-range {
  font-size: 14px;
  font-weight: 700;
  color: var(--offwhite);
  margin-bottom: 10px;
  padding-top: 16px;
}

.ring-age-text {
  font-size: 13.5px;
  line-height: 1.7;
  color: rgba(247,249,251,0.58);
}

/* Responsive */
@media (max-width: 860px) {
  .ring-fencing-top { grid-template-columns: 1fr; gap: 36px; }
  .ring-fencing-img-wrap { position: static; }
  .ring-fencing-img { height: 320px; }
  .ring-fencing-ages-inner { grid-template-columns: 1fr; }
  .ring-age-col {
    padding: 0 0 20px 16px;
    border-right: none;
    border-top: none;
    border-left: 3px solid transparent;
    border-bottom: 1px solid rgba(255,255,255,0.09);
  }
  .ring-age-col:last-child { border-bottom: none; padding-bottom: 0; }
  .ring-age-col--gold  { border-left-color: var(--gold);  }
  .ring-age-col--teal  { border-left-color: var(--teal);  }
  .ring-age-col--green { border-left-color: var(--green); }
  .ring-age-range { padding-top: 20px; }
}

@media (max-width: 480px) {
  .ring-fencing-top { padding: 52px var(--gutter) 48px; }
  .ring-fencing-ages { padding: 36px 0 40px; }
  .ring-fencing-img { height: 260px; }
}

/* ============================================================
   6-STAGE  –  Our Process In Practice (Concise)
   ============================================================ */
.process-section {
  background: var(--navy);
  padding: 80px 0 88px;
}

.process-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

/* Centered heading block */
.process-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 52px;
}

.process-eyebrow {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}

.process-eyebrow::before,
.process-eyebrow::after {
  content: '';
  display: block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  opacity: 0.55;
  flex-shrink: 0;
}

.process-heading {
  font-family: var(--font-display);
  font-size: clamp(22px, 2.6vw, 38px);
  font-weight: 700;
  color: var(--offwhite);
  line-height: 1.2;
  letter-spacing: -0.02em;
}

/* 2-col: text+bullets left | image card + closing text right */
.process-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  align-items: start;
}

.process-body {
  font-size: 14.5px;
  line-height: 1.76;
  color: rgba(247,249,251,0.68);
  margin-bottom: 14px;
}

/* Bordered block for confirmation list */
.process-list-label {
  font-size: 14.5px;
  line-height: 1.76;
  color: rgba(247,249,251,0.68);
  margin-bottom: 10px;
}

.process-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 0 0 14px;
  border: 1px solid rgba(0,160,160,0.25);
  border-radius: 10px;
  overflow: hidden;
}

.process-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  line-height: 1.5;
  color: rgba(247,249,251,0.82);
  padding: 13px 18px;
  border-bottom: 1px solid rgba(0,160,160,0.15);
}

.process-list li:last-child { border-bottom: none; }

.process-list li::before {
  content: '';
  width: 8px;
  height: 8px;
  background: var(--teal);
  border-radius: 50%;
  flex-shrink: 0;
}

/* Right aside: image card + text */
.process-photo-wrap {
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 22px;
  border: 1px solid rgba(0,160,160,0.15);
}

.process-photo {
  width: 100%;
  height: 300px;
  object-fit: cover;
  object-position: top center;
  display: block;
}

/* Responsive */
@media (max-width: 860px) {
  .process-grid { grid-template-columns: 1fr; gap: 32px; }
  .process-photo { height: 280px; }
}

@media (max-width: 480px) {
  .process-section { padding: 56px 0 64px; }
  .process-header { margin-bottom: 36px; }
  .process-photo { height: 220px; }
}

/* ============================================================
   SUPPORT PAGE  –  Hero
   ============================================================ */
.supp-hero {
  background: var(--navy);
  padding: 96px 0 88px;
  position: relative;
  overflow: hidden;
}

/* Subtle radial highlight top-right */
.supp-hero::after {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(0,160,160,0.1) 0%, transparent 60%);
  pointer-events: none;
}

.supp-hero-inner {
  position: relative;
  z-index: 1;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.supp-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}

.supp-eyebrow-dash {
  display: inline-block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

.supp-hero-heading {
  font-size: clamp(28px, 4.2vw, 60px);
  font-weight: 800;
  color: var(--offwhite);
  line-height: 1.08;
  letter-spacing: -0.03em;
  max-width: 740px;
  margin-bottom: 28px;
}

/* Pill badge tagline — not used in any other hero */
.supp-tagline {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 28px;
}

.supp-pill {
  display: inline-flex;
  align-items: center;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  color: rgba(247,249,251,0.82);
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.03em;
  padding: 6px 16px;
  border-radius: 999px;
}

.supp-hero-body {
  font-size: 15px;
  line-height: 1.76;
  color: rgba(247,249,251,0.62);
  max-width: 560px;
}

/* Responsive */
@media (max-width: 860px) {
  .supp-hero { padding: 72px 0 64px; }
  .supp-hero-heading { max-width: 100%; }
}

@media (max-width: 480px) {
  .supp-hero { padding: 52px 0 56px; }
  .supp-pill { font-size: 11.5px; padding: 5px 13px; }
}

/* ============================================================
   SUPPORT PAGE  –  Intro + Onboarding Card
   ============================================================ */
.supp-intro {
  background: var(--offwhite);
  padding: 80px 0 88px;
}

/* ---- Top: heading + 2-col body ---- */
.supp-intro-top {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  margin-bottom: 56px;
}

.supp-intro-header {
  max-width: 680px;
  margin-bottom: 28px;
}

.supp-intro-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 14px;
}

.supp-intro-eyebrow::before {
  content: '';
  display: inline-block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

.supp-intro-heading {
  font-family: var(--font-display);
  font-size: clamp(24px, 2.8vw, 42px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.18;
  letter-spacing: -0.02em;
}

/* 2-column body text */
.supp-intro-body-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
}

.supp-intro-body {
  font-size: 14.5px;
  line-height: 1.78;
  color: rgba(34,40,49,0.7);
}

/* ---- Onboarding card ---- */
.supp-onboard-card {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

/* Strip 1: green header */
.supp-onboard-header {
  background: var(--green);
  border-radius: 16px 16px 0 0;
  display: grid;
  grid-template-columns: 280px 1fr;
  overflow: hidden;
  align-items: center;
}

.supp-onboard-img-wrap {
  overflow: hidden;
  height: 200px;
}

.supp-onboard-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}

.supp-onboard-title-area {
  padding: 36px 44px;
}

.supp-onboard-title {
  font-family: var(--font-display);
  font-size: clamp(20px, 2.2vw, 30px);
  font-weight: 700;
  color: var(--offwhite);
  margin-bottom: 10px;
}

.supp-onboard-tagline {
  font-size: 14.5px;
  font-style: italic;
  color: rgba(247,249,251,0.8);
  line-height: 1.5;
}

/* Strip 2: white 3-column grid */
.supp-onboard-grid {
  background: #fff;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid rgba(11,60,93,0.1);
  border-top: none;
}

.supp-onboard-col {
  padding: 28px 28px 32px;
  border-right: 1px solid rgba(11,60,93,0.08);
}

.supp-onboard-col:last-child { border-right: none; }

.supp-onboard-col-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 10px;
}

.supp-onboard-col-text {
  font-size: 13.5px;
  line-height: 1.68;
  color: rgba(34,40,49,0.68);
}

.supp-onboard-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.supp-onboard-list li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 13.5px;
  line-height: 1.55;
  color: rgba(34,40,49,0.68);
}

.supp-onboard-list li::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--green);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 6px;
}

/* Strip 3: navy footer */
.supp-onboard-footer {
  background: var(--navy);
  border-radius: 0 0 16px 16px;
  padding: 20px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.supp-onboard-turnaround {
  font-size: 13.5px;
  color: rgba(247,249,251,0.68);
}

.supp-onboard-turnaround strong {
  color: var(--offwhite);
  font-weight: 700;
}

.supp-onboard-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green);
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  padding: 12px 28px;
  border-radius: 999px;
  text-decoration: none;
  white-space: nowrap;
  transition: opacity 0.2s, transform 0.15s;
}

.supp-onboard-cta:hover  { opacity: 0.88; transform: translateY(-1px); }
.supp-onboard-cta:active { transform: translateY(0); }

/* Responsive */
@media (max-width: 860px) {
  .supp-intro-body-cols { grid-template-columns: 1fr; gap: 16px; }
  .supp-onboard-header { grid-template-columns: 1fr; }
  .supp-onboard-img-wrap { height: 240px; }
  .supp-onboard-grid { grid-template-columns: 1fr; }
  .supp-onboard-col { border-right: none; border-bottom: 1px solid rgba(11,60,93,0.08); }
  .supp-onboard-col:last-child { border-bottom: none; }
  .supp-onboard-footer { flex-direction: column; align-items: flex-start; gap: 16px; }
}

@media (max-width: 480px) {
  .supp-intro { padding: 56px 0 64px; }
  .supp-intro-top { margin-bottom: 40px; }
  .supp-onboard-col { padding: 20px 20px 24px; }
  .supp-onboard-title-area { padding: 24px 24px; }
}

/* ============================================================
   SUPPORT PAGE  –  Additional cards (same structure, colour variants)
   ============================================================ */
.supp-more-cards {
  background: var(--offwhite);
  padding: 0 0 80px;
}

.supp-more-cards-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  flex-direction: column;
  gap: 28px;
}

/* Teal header variant */
.supp-onboard-card--teal .supp-onboard-header { background: var(--teal); }

/* Navy header variant */
.supp-onboard-card--navy .supp-onboard-header { background: var(--navy); }

/* Gold header variant */
.supp-onboard-card--gold .supp-onboard-header {
  background: color-mix(in srgb, var(--gold) 80%, #000 20%);
}

/* Charcoal header variant */
.supp-onboard-card--charcoal .supp-onboard-header { background: var(--charcoal); }

/* CRM note inside card col */
.supp-onboard-crm-note {
  font-size: 11.5px;
  line-height: 1.65;
  color: rgba(34,40,49,0.52);
  margin-top: 12px;
  padding-top: 10px;
  border-top: 1px solid rgba(34,40,49,0.08);
}

.supp-onboard-crm-note strong {
  color: rgba(34,40,49,0.68);
  font-weight: 700;
}

@media (max-width: 480px) {
  .supp-more-cards { padding-bottom: 56px; }
}

/* ============================================================
   SUPPORT PAGE  –  Lead Modal
   ============================================================ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(11,60,93,0.72);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.25s;
}

.modal-overlay.is-open {
  opacity: 1;
  pointer-events: all;
}

.modal-card {
  background: var(--navy);
  border-top: 4px solid var(--gold);
  border-radius: 0 0 20px 20px;
  padding: 36px 40px 44px;
  max-width: 460px;
  width: 100%;
  position: relative;
  transform: translateY(24px);
  transition: transform 0.25s;
  box-shadow: 0 32px 80px rgba(0,0,0,0.45);
}

.modal-overlay.is-open .modal-card {
  transform: translateY(0);
}

/* Header row */
.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
}

.modal-title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--offwhite);
}

.modal-close {
  width: 32px;
  height: 32px;
  background: rgba(255,255,255,0.08);
  border: none;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: rgba(247,249,251,0.7);
  flex-shrink: 0;
  transition: background 0.2s;
}

.modal-close:hover { background: rgba(255,255,255,0.16); }

.modal-subtitle {
  font-size: 13.5px;
  color: rgba(247,249,251,0.5);
  margin-bottom: 28px;
  line-height: 1.5;
}

/* Form */
.modal-form {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.modal-field {
  display: flex;
  flex-direction: column;
  gap: 5px;
  position: relative;
}

.modal-field label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(247,249,251,0.55);
}

.modal-req { color: var(--gold); }

.modal-field input {
  background: transparent;
  border: none;
  border-bottom: 1.5px solid rgba(0,160,160,0.32);
  color: var(--offwhite);
  font-family: var(--font-body);
  font-size: 15px;
  padding: 10px 0;
  outline: none;
  width: 100%;
  transition: border-color 0.2s;
}

.modal-field input:focus { border-bottom-color: var(--teal); }
.modal-field input::placeholder { color: rgba(247,249,251,0.2); }

/* Error state */
.modal-field.has-error input { border-bottom-color: #e05454; }

.modal-error {
  font-size: 11.5px;
  color: #e05454;
  display: none;
  margin-top: 2px;
}

.modal-field.has-error .modal-error { display: block; }

/* Submit */
.modal-submit {
  margin-top: 6px;
  width: 100%;
  background: var(--gold);
  color: var(--charcoal);
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 14px 32px;
  border: none;
  border-radius: 999px;
  cursor: pointer;
  transition: opacity 0.2s, transform 0.15s;
}

.modal-submit:hover  { opacity: 0.88; transform: translateY(-1px); }
.modal-submit:active { transform: translateY(0); }

/* Success state */
.modal-success {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  padding: 20px 0 8px;
  color: var(--teal);
  text-align: center;
}

.modal-success p {
  font-size: 15px;
  font-weight: 600;
  color: var(--offwhite);
  line-height: 1.5;
}

@media (max-width: 480px) {
  .modal-card { padding: 28px 24px 36px; }
}

/* ============================================================
   FOOTER  –  Contact links (WhatsApp, Email, Website)
   ============================================================ */
.footer-contact-links {
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin: 14px 0 16px;
}

.footer-contact-link {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12.5px;
  color: rgba(247,249,251,0.6);
  text-decoration: none;
  transition: color 0.2s;
}

.footer-contact-link:hover { color: var(--teal); }

.footer-contact-link svg { flex-shrink: 0; opacity: 0.8; }

/* ============================================================
   LEGAL PAGES  –  Disclaimer / Privacy Policy / Terms
   (shared CSS for all three pages)
   ============================================================ */
.legal-hero {
  background: var(--navy);
  padding: 80px 0 72px;
}

.legal-hero-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.legal-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.legal-hero-eyebrow-dash {
  display: inline-block;
  width: 28px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}

.legal-hero-heading {
  font-size: clamp(32px, 4.5vw, 64px);
  font-weight: 800;
  color: var(--offwhite);
  line-height: 1.06;
  letter-spacing: -0.03em;
}

/* Content area */
.legal-content {
  background: #fff;
  padding: 72px 0 96px;
}

.legal-content-inner {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.legal-section {
  margin-bottom: 36px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(34,40,49,0.08);
}

.legal-section:last-child {
  margin-bottom: 0;
  padding-bottom: 0;
  border-bottom: none;
}

.legal-section-title {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--teal);
  display: inline-block;
}

.legal-p {
  font-size: 14.5px;
  line-height: 1.8;
  color: rgba(34,40,49,0.72);
  margin-bottom: 14px;
}

.legal-p:last-child { margin-bottom: 0; }

.legal-p strong { color: var(--charcoal); font-weight: 600; }

.legal-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 14px;
}

.legal-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14.5px;
  line-height: 1.72;
  color: rgba(34,40,49,0.72);
}

.legal-list li::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--teal);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 8px;
}

@media (max-width: 480px) {
  .legal-hero { padding: 56px 0 52px; }
  .legal-content { padding: 52px 0 72px; }
}

/* ============================================================
   SUPPORT PAGE  –  Scroll anchor offsets (clears sticky navbar)
   ============================================================ */
#start-onboarding,
#risk-profiling,
#goal-planning,
#cas-upload,
#investor-portal {
  scroll-margin-top: calc(var(--nav-height) + 24px);
}

/* ============================================================
   LOGIN PAGE
   ============================================================ */
.login-section {
  min-height: calc(100vh - var(--nav-height) - var(--topbar-height));
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 60px 24px;
  position: relative;
  overflow: hidden;
}

.login-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 60% at 70% 40%, rgba(0,160,160,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.login-card {
  background: #fff;
  border-radius: 14px;
  border-top: 4px solid var(--gold);
  padding: 48px 40px 44px;
  width: 100%;
  max-width: 440px;
  box-shadow: 0 24px 72px rgba(0,0,0,0.28);
  position: relative;
}

.login-card-logo {
  display: block;
  margin: 0 auto 18px;
  height: 52px;
  width: auto;
}

.login-card-title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  margin-bottom: 5px;
}

.login-card-sub {
  font-size: 13px;
  color: rgba(34,40,49,0.5);
  text-align: center;
  margin-bottom: 28px;
}

.login-divider {
  height: 1px;
  background: rgba(34,40,49,0.08);
  margin: 0 0 24px;
}

.login-step { display: none; }
.login-step.is-active { display: block; }

.login-field { margin-bottom: 16px; }

.login-label {
  display: block;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--charcoal);
  margin-bottom: 6px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.login-input {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid rgba(34,40,49,0.16);
  border-radius: 8px;
  font-size: 14px;
  font-family: var(--font-body);
  color: var(--charcoal);
  background: #fafafa;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.login-input:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(0,160,160,0.1);
  background: #fff;
}

.login-pwd-wrap { position: relative; }

.login-pwd-wrap .login-input { padding-right: 46px; }

.login-eye {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  cursor: pointer;
  color: rgba(34,40,49,0.38);
  padding: 4px;
  display: flex;
  align-items: center;
  line-height: 1;
}

.login-eye:hover { color: var(--teal); }

.login-row {
  display: flex;
  justify-content: flex-end;
  margin: -8px 0 20px;
}

.login-forgot {
  font-size: 12.5px;
  color: var(--teal);
  font-weight: 500;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  font-family: var(--font-body);
}

.login-forgot:hover { text-decoration: underline; }

.login-btn {
  width: 100%;
  padding: 13px;
  background: var(--green);
  color: #fff;
  border: none;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 700;
  font-family: var(--font-body);
  cursor: pointer;
  letter-spacing: 0.02em;
  transition: background 0.2s, transform 0.15s;
  margin-top: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.login-btn:hover { background: var(--teal); }
.login-btn:active { transform: scale(0.98); }
.login-btn:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

.login-spinner {
  width: 16px;
  height: 16px;
  border: 2px solid rgba(255,255,255,0.35);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  display: none;
}

.login-btn.is-loading .login-spinner { display: block; }
.login-btn.is-loading .login-btn-text { opacity: 0.7; }

@keyframes spin { to { transform: rotate(360deg); } }

.login-msg {
  margin-top: 14px;
  padding: 11px 14px;
  border-radius: 8px;
  font-size: 13.5px;
  line-height: 1.5;
  display: none;
}

.login-msg.is-visible { display: block; }

.login-msg--error {
  background: rgba(220,38,38,0.07);
  color: #c53030;
  border: 1px solid rgba(220,38,38,0.18);
}

.login-msg--success {
  background: rgba(30,154,90,0.07);
  color: var(--green);
  border: 1px solid rgba(30,154,90,0.18);
}

.login-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: rgba(34,40,49,0.5);
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  margin-bottom: 18px;
  font-family: var(--font-body);
  transition: color 0.15s;
}

.login-back:hover { color: var(--navy); }

.login-step-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--teal);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 4px;
}

.login-step-title {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}

.login-hint {
  font-size: 12.5px;
  color: rgba(34,40,49,0.5);
  margin-top: 6px;
  line-height: 1.5;
}

/* Login type radio group */
.login-type-group {
  display: flex;
  gap: 6px;
  justify-content: center;
  margin-bottom: 22px;
}

.login-type-label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--charcoal);
  cursor: pointer;
  padding: 7px 14px;
  border-radius: 20px;
  border: 1.5px solid rgba(34,40,49,0.15);
  transition: border-color 0.15s, background 0.15s;
  user-select: none;
}

.login-type-label:has(input:checked) {
  border-color: var(--teal);
  background: rgba(0,160,160,0.07);
  color: var(--teal);
  font-weight: 600;
}

.login-type-radio {
  width: 14px;
  height: 14px;
  accent-color: var(--teal);
  cursor: pointer;
  flex-shrink: 0;
}

@media (max-width: 480px) {
  .login-card { padding: 36px 22px 32px; }
  .login-card-title { font-size: 19px; }
  .login-type-label { font-size: 12.5px; padding: 6px 10px; }
}

/* ============================================================
   CRM FORM FEEDBACK
   ============================================================ */
.contact-form-feedback {
  margin-top: 12px;
  padding: 11px 14px;
  border-radius: 7px;
  font-size: 13.5px;
  line-height: 1.5;
  display: none;
}
.contact-form-feedback--success {
  display: block;
  background: rgba(30,154,90,0.08);
  color: var(--green);
  border: 1px solid rgba(30,154,90,0.2);
}
.contact-form-feedback--error {
  display: block;
  background: rgba(220,38,38,0.07);
  color: #c53030;
  border: 1px solid rgba(220,38,38,0.18);
}

.modal-crm-error {
  margin-top: 10px;
  padding: 10px 14px;
  border-radius: 7px;
  font-size: 13px;
  background: rgba(220,38,38,0.07);
  color: #c53030;
  border: 1px solid rgba(220,38,38,0.18);
  line-height: 1.5;
}

/* ============================================================
   WHATSAPP FLOATING BUTTON
   ============================================================ */
.wa-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 56px;
  height: 56px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,0.45);
  z-index: 9999;
  color: #fff;
  transition: transform 0.2s, box-shadow 0.2s;
}

.wa-float:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 28px rgba(37,211,102,0.6);
}

@media (max-width: 480px) {
  .wa-float { bottom: 18px; right: 14px; width: 50px; height: 50px; }
  .wa-float svg { width: 24px; height: 24px; }
}