/* ==========================================================================
   Invest 4U Solutions: site stylesheet
   Mobile-first. Breakpoints: 576px, 768px, 1024px, 1280px.

   1. Tokens
   2. Reset & base
   3. Layout utilities
   4. Components (buttons, titles, lists, cards, forms, accordion, breadcrumb)
   5. Header, top bar, navigation
   6. Footer
   7. Floating elements (WhatsApp, back-to-top, loader)
   8. Page sections            (added in Phase 3)
   9. Page-specific styles     (added in Phase 5)
  10. Reduced motion
   ========================================================================== */

/* Switzer (Indian Type Foundry, via Fontshare), self-hosted variable font.
   Licence: ITF Free Font License, see assets/fonts/Switzer-LICENSE-FFL.txt */
@font-face {
  font-family: 'Switzer-Variable';
  src: url('../assets/fonts/Switzer-Variable.woff2') format('woff2');
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Switzer-Variable';
  src: url('../assets/fonts/Switzer-VariableItalic.woff2') format('woff2');
  font-weight: 100 900;
  font-style: italic;
  font-display: swap;
}

/* Malayalam tagline: tiny self-hosted subset of Noto Sans Malayalam (only the tagline's letters).
   Licence: SIL Open Font License, see assets/fonts/NotoSansMalayalam-OFL.txt */
@font-face {
  font-family: 'Noto Sans Malayalam';
  src: url('../assets/fonts/NotoSansMalayalam-tagline.woff2') format('woff2');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
  unicode-range: U+20, U+D12, U+D19, U+D1E-D1F, U+D23, U+D2A, U+D2E, U+D41, U+D4D, U+D7E, U+201C-201D;
}

/* 1. Tokens
   ========================================================================== */
:root {
  /* Brand (from logo) */
  --color-primary:       #013364; /* logo navy */
  --color-primary-dark:  #0A2540; /* darker navy for footer, overlays */
  --color-primary-light: #1B4F8A; /* hover state for navy */
  --color-accent:        #00ACA8; /* logo teal: icons, lines, highlights, CTA backgrounds */
  --color-accent-dark:   #007A77; /* teal for text/links on white (AA 5.2:1) */
  --color-accent-light:  #E6F7F6; /* pale teal tint for section backgrounds */

  /* Neutrals */
  --color-bg:            #FFFFFF;
  --color-bg-alt:        #F4F8FB;
  --color-bg-tint:       #E6F7F6;
  --color-bg-dark:       #0A2540;
  --color-bg-darker:     #061A2E; /* footer bottom bar */
  --color-text:          #334155;
  --color-heading:       #013364;
  --color-muted:         #5B6B80; /* AA on white, bg-alt and tint */
  --color-border:        #DCE6EE;
  --color-white:         #FFFFFF;
  --color-error:         #B42318;
  --color-success:       #067647;
  --color-on-dark:       #CBD5E1; /* body text on navy (AA on #0A2540) */

  /* Gradients */
  --gradient-brand: linear-gradient(135deg, #013364 0%, #00ACA8 100%);
  --gradient-hero:  linear-gradient(120deg, rgba(1,51,100,.88) 0%, rgba(1,51,100,.65) 55%, rgba(0,172,168,.45) 100%);
  --gradient-dark:  linear-gradient(180deg, #013364 0%, #0A2540 100%);
  /* Brand gradient for panels carrying white text: ends on the darker teal so
     small white text stays AA (white on #00ACA8 is only 2.8:1). */
  --gradient-brand-text: linear-gradient(135deg, #013364 0%, #0B5C77 55%, #007A77 100%);

  /* Typography */
  --font-heading: 'Switzer-Variable', 'Segoe UI', Arial, sans-serif;
  --font-body:    'Switzer-Variable', 'Segoe UI', Arial, sans-serif;
  --fs-xs:   0.8125rem; /* 13px */
  --fs-sm:   0.875rem;  /* 14px */
  --fs-base: 1rem;      /* 16px */
  --fs-md:   1.125rem;  /* 18px */
  --fs-lg:   clamp(1.25rem, 1.1rem + .6vw, 1.5rem);
  --fs-xl:   clamp(1.5rem, 1.2rem + 1.2vw, 2rem);
  --fs-2xl:  clamp(1.75rem, 1.3rem + 2vw, 2.625rem);
  --fs-3xl:  clamp(2.125rem, 1.4rem + 3.4vw, 4rem);
  --lh-tight: 1.2;
  --lh-body:  1.7;

  /* Spacing scale */
  --space-1: .25rem;
  --space-2: .5rem;
  --space-3: .75rem;
  --space-4: 1rem;
  --space-5: 1.5rem;
  --space-6: 2rem;
  --space-7: 3rem;
  --space-8: 4rem;
  --space-9: 6rem;
  --section-pad: clamp(3.5rem, 2.5rem + 4vw, 6.5rem);
  --gutter: 1rem;

  /* Shape & depth */
  --radius-sm: 8px;
  --radius:    12px;
  --radius-lg: 16px;
  --radius-pill: 999px;
  --shadow-sm: 0 4px 14px rgba(1,51,100,.06);
  --shadow:    0 10px 30px rgba(1,51,100,.08);
  --shadow-lg: 0 20px 45px rgba(1,51,100,.14);

  /* Layout */
  --container: 1240px;
  --topbar-h: 40px;
  --nav-h: 84px;
  --nav-h-scrolled: 68px;

  /* Motion */
  --ease: cubic-bezier(.22,.61,.36,1);
  --t-fast: .2s;
  --t: .35s;

  /* Layers */
  --z-header: 100;
  --z-menu: 200;
  --z-float: 300;
  --z-loader: 1000;
}

@media (min-width: 576px) { :root { --gutter: 1.5rem; } }
@media (min-width: 1024px) { :root { --gutter: 2rem; } }

/* 2. Reset & base
   ========================================================================== */
*, *::before, *::after { box-sizing: border-box; }

html {
  overflow-x: clip;   /* safety net: nothing can be dragged in sideways (iOS Safari); clip, unlike hidden, keeps position: sticky working */
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--nav-h-scrolled) + 1rem);
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--fs-base);
  line-height: var(--lh-body);
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;   /* fallback for very old browsers */
  overflow-x: clip;     /* clip, unlike hidden, never makes <body> a scroll container, so position: sticky keeps working (Safari) */
}
body.no-scroll { overflow: hidden; }

h1, h2, h3, h4, h5, h6 {
  margin: 0 0 var(--space-4);
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: var(--lh-tight);
  color: var(--color-heading);
}
h1 { font-size: var(--fs-3xl); }
h2 { font-size: var(--fs-2xl); }
h3 { font-size: var(--fs-lg); font-weight: 600; }
h4 { font-size: var(--fs-md); font-weight: 600; }

p { margin: 0 0 var(--space-4); }
p:last-child { margin-bottom: 0; }

a {
  color: var(--color-accent-dark);
  text-decoration: underline;
  text-underline-offset: .2em;
  text-decoration-thickness: 1px;
  transition: color var(--t-fast) var(--ease);
}
a:hover { color: var(--color-primary); }

img, svg, video { display: block; max-width: 100%; }
img { height: auto; }
ul, ol { margin: 0 0 var(--space-4); padding-left: 1.25rem; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; }
address { font-style: normal; }
hr { border: 0; border-top: 1px solid var(--color-border); margin: var(--space-6) 0; }

::selection { background: var(--color-accent); color: var(--color-primary); }

/* Visible, consistent focus ring */
:focus-visible {
  outline: 3px solid var(--color-accent);
  outline-offset: 3px;
  border-radius: 4px;
}
.bg-dark :focus-visible,
.site-footer :focus-visible,
.topbar :focus-visible { outline-color: #5EEAD4; }

.icon {
  width: 1em;
  height: 1em;
  flex-shrink: 0;
  fill: currentColor;
}

.sr-only {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: -100px;
  left: var(--space-4);
  z-index: calc(var(--z-loader) + 1);
  padding: var(--space-3) var(--space-5);
  background: var(--color-primary);
  color: var(--color-white);
  font-weight: 600;
  border-radius: var(--radius-sm);
  text-decoration: none;
}
.skip-link:focus { top: var(--space-4); color: var(--color-white); }

/* 3. Layout utilities
   ========================================================================== */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.container--narrow { max-width: 860px; }

.section { padding-block: var(--section-pad); position: relative; }
.section--sm { padding-block: calc(var(--section-pad) * .6); }

.bg-white { background: var(--color-bg); }
.bg-alt   { background: var(--color-bg-alt); }
.bg-tint  { background: var(--color-bg-tint); }
.bg-navy  { background: var(--color-primary); }
.bg-dark  { background: var(--gradient-dark); }
.bg-brand { background: var(--gradient-brand-text); }

.bg-navy, .bg-dark, .bg-brand { color: var(--color-on-dark); }
.bg-navy :is(h1,h2,h3,h4), .bg-dark :is(h1,h2,h3,h4), .bg-brand :is(h1,h2,h3,h4) { color: var(--color-white); }
.bg-navy a:not(.btn), .bg-dark a:not(.btn), .bg-brand a:not(.btn) { color: var(--color-white); }
.bg-brand { color: var(--color-white); }

.grid { display: grid; gap: var(--space-5); }
@media (min-width: 768px) {
  .grid { gap: var(--space-6); }
  .grid--2 { grid-template-columns: repeat(2, 1fr); }
  .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1024px) {
  .grid--3 { grid-template-columns: repeat(3, 1fr); }
  .grid--4 { grid-template-columns: repeat(4, 1fr); }
}

.split {
  display: grid;
  gap: var(--space-7);
  align-items: center;
}
@media (min-width: 1024px) {
  .split { grid-template-columns: 1fr 1fr; gap: var(--space-8); }
}

.stack > * + * { margin-top: var(--space-4); }
.text-center { text-align: center; }
.text-muted { color: var(--color-muted); }
.mt-0 { margin-top: 0; }
.mt-6 { margin-top: var(--space-6); }

/* 4. Components
   ========================================================================== */

/* --- Buttons ---
   Primary: teal background with NAVY text (never white on teal: 2.8:1 fails AA). */
.btn {
  --btn-bg: var(--color-accent);
  --btn-fg: var(--color-primary);
  --btn-border: var(--color-accent);
  --btn-bg-hover: var(--color-primary);
  --btn-fg-hover: var(--color-white);
  --btn-border-hover: var(--color-primary);
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  min-height: 48px;
  padding: .75rem 1.6rem;
  border: 2px solid var(--btn-border);
  border-radius: var(--radius-pill);
  background: var(--btn-bg);
  color: var(--btn-fg);
  font-family: var(--font-heading);
  font-size: var(--fs-sm);
  font-weight: 600;
  letter-spacing: .02em;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  overflow: hidden;
  isolation: isolate;
  transition: background-color var(--t) var(--ease), color var(--t) var(--ease),
              border-color var(--t) var(--ease), transform var(--t-fast) var(--ease),
              box-shadow var(--t) var(--ease);
}
/* Shine sweep */
.btn::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(110deg, transparent 20%, rgba(255,255,255,.35) 50%, transparent 80%);
  transform: translateX(-120%);
  transition: transform .6s var(--ease);
}
.btn:hover {
  background: var(--btn-bg-hover);
  color: var(--btn-fg-hover);
  border-color: var(--btn-border-hover);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.btn:hover::before { transform: translateX(120%); }
.btn:active { transform: translateY(0); }
/* Gradient border on keyboard focus */
.btn:focus-visible {
  outline: none;
  box-shadow: 0 0 0 3px var(--color-white), 0 0 0 6px var(--color-accent), 0 0 0 8px var(--color-primary);
}
.btn .icon { font-size: 1em; transition: transform var(--t) var(--ease); }
.btn:hover .icon--arrow { transform: translateX(4px); }

.btn--secondary {
  --btn-bg: var(--color-primary);
  --btn-fg: var(--color-white);
  --btn-border: var(--color-primary);
  --btn-bg-hover: var(--color-primary-light);
  --btn-fg-hover: var(--color-white);
  --btn-border-hover: var(--color-primary-light);
}
.btn--outline {
  --btn-bg: transparent;
  --btn-fg: var(--color-primary);
  --btn-border: var(--color-primary);
  --btn-bg-hover: var(--color-primary);
  --btn-fg-hover: var(--color-white);
  --btn-border-hover: var(--color-primary);
}
.btn--outline-white {
  --btn-bg: transparent;
  --btn-fg: var(--color-white);
  --btn-border: rgba(255,255,255,.85);
  --btn-bg-hover: var(--color-white);
  --btn-fg-hover: var(--color-primary);
  --btn-border-hover: var(--color-white);
}
/* On dark backgrounds the teal button hovers to white instead of navy */
.bg-navy .btn:not(.btn--outline-white), .bg-dark .btn:not(.btn--outline-white),
.bg-brand .btn:not(.btn--outline-white), .btn--on-dark {
  --btn-bg-hover: var(--color-white);
  --btn-fg-hover: var(--color-primary);
  --btn-border-hover: var(--color-white);
}
.btn--sm { min-height: 40px; padding: .5rem 1.15rem; font-size: var(--fs-xs); }
.btn--lg { min-height: 56px; padding: 1rem 2rem; font-size: var(--fs-base); }
.btn--block { width: 100%; }

.btn-group { display: flex; flex-wrap: wrap; gap: var(--space-4); }

/* Text link with arrow ("Learn more →") */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: var(--fs-sm);
  color: var(--color-accent-dark);
  text-decoration: none;
}
.link-arrow .icon { transition: transform var(--t) var(--ease); }
.link-arrow:hover .icon { transform: translateX(4px); }

/* --- Section heading with the logo's open-bracket motif --- */
.section-head { max-width: 760px; margin: 0 auto var(--space-7); text-align: center; }
.section-head--left { margin-inline: 0; text-align: left; }
.section-head p { color: var(--color-muted); font-size: var(--fs-md); }
.bg-navy .section-head p, .bg-dark .section-head p, .bg-brand .section-head p { color: var(--color-on-dark); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  margin-bottom: var(--space-3);
  font-family: var(--font-heading);
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--color-accent-dark);
}
.eyebrow::before {
  content: "";
  width: 28px;
  height: 2px;
  background: var(--color-accent);
}
.bg-navy .eyebrow, .bg-dark .eyebrow, .bg-brand .eyebrow, .eyebrow--light { color: #5EEAD4; }

/* Teal L-shaped bracket corners (top-right + bottom-left), borrowed from the logo frame */
.bracket { position: relative; }
.bracket::before,
.bracket::after {
  content: "";
  position: absolute;
  width: 56px;
  height: 56px;
  border: 4px solid var(--color-accent);
  pointer-events: none;
}
.bracket::before { top: -14px; right: -14px; border-left: 0; border-bottom: 0; border-top-right-radius: 10px; }
.bracket::after { bottom: -14px; left: -14px; border-right: 0; border-top: 0; border-bottom-left-radius: 10px; }

/* --- Tick-mark checklist (the tick from the "i" in the logo) --- */
.tick-list { list-style: none; padding: 0; margin: 0 0 var(--space-5); display: grid; gap: var(--space-3); }
.tick-list li { position: relative; padding-left: 2.1rem; }
.tick-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .2em;
  width: 1.4rem;
  height: 1.4rem;
  border-radius: 50%;
  background: var(--color-accent-light) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.2 4.2L19 7' fill='none' stroke='%23007A77' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 70% no-repeat;
}
.tick-list--2col { grid-template-columns: 1fr; }
@media (min-width: 576px) { .tick-list--2col { grid-template-columns: 1fr 1fr; } }

/* --- Cards --- */
.card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: var(--space-6);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-top: 4px solid transparent;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  transition: transform var(--t) var(--ease), box-shadow var(--t) var(--ease), border-color var(--t) var(--ease);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-top-color: var(--color-accent); }
.card h3 { margin-bottom: var(--space-3); }
.card p { color: var(--color-muted); }
.card .link-arrow { margin-top: auto; padding-top: var(--space-4); }

.icon-circle {
  display: inline-grid;
  place-items: center;
  width: 64px;
  height: 64px;
  margin-bottom: var(--space-5);
  border-radius: 50%;
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  font-size: 1.6rem;
  transition: background-color var(--t) var(--ease), color var(--t) var(--ease), transform var(--t) var(--ease);
}
.card:hover .icon-circle { background: var(--color-accent); color: var(--color-primary); transform: rotate(-6deg) scale(1.05); }

.media-frame { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.media-frame img { width: 100%; height: 100%; object-fit: cover; }

/* --- Badges --- */
.badge {
  display: inline-block;
  padding: .25rem .75rem;
  border-radius: var(--radius-pill);
  background: var(--color-accent-light);
  color: var(--color-accent-dark);
  font-size: var(--fs-xs);
  font-weight: 600;
}

/* --- Notice / callout (disclaimers, fraud warnings) --- */
.notice {
  display: flex;
  gap: var(--space-4);
  padding: var(--space-5);
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius);
  background: var(--color-accent-light);
  color: var(--color-primary);
}
.notice p { color: inherit; }
.notice .icon { font-size: 1.5rem; color: var(--color-accent-dark); margin-top: .15em; }
.notice--warning { background: #FFF6E5; border-left-color: #D97706; }
.notice--warning .icon { color: #B45309; }

/* --- Forms --- */
.form { display: grid; gap: var(--space-5); }
.form-row { display: grid; gap: var(--space-5); }
@media (min-width: 576px) { .form-row--2 { grid-template-columns: 1fr 1fr; } }

.field { display: grid; gap: var(--space-2); }
.field label, .field legend {
  font-family: var(--font-heading);
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--color-primary);
}
.field .req { color: var(--color-error); }
.input, .select, .textarea {
  width: 100%;
  min-height: 50px;
  padding: .75rem 1rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: var(--color-white);
  color: var(--color-text);
  transition: border-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease);
}
.textarea { min-height: 130px; resize: vertical; }
.select {
  appearance: none;
  padding-right: 2.75rem;
  background: var(--color-white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 9l6 6 6-6' fill='none' stroke='%23013364' stroke-width='2.5' stroke-linecap='round'/%3E%3C/svg%3E") right 1rem center / 18px no-repeat;
}
.input::placeholder, .textarea::placeholder { color: #8292A6; }
.input:hover, .select:hover, .textarea:hover { border-color: #B7C7D6; }
.input:focus, .select:focus, .textarea:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 4px rgba(0,172,168,.22);
}
.field.is-invalid .input, .field.is-invalid .select, .field.is-invalid .textarea { border-color: var(--color-error); }
.field-error { display: none; font-size: var(--fs-xs); color: var(--color-error); }
.field.is-invalid .field-error { display: block; }

.check { display: flex; gap: var(--space-3); align-items: flex-start; font-size: var(--fs-sm); }
.check input { width: 20px; height: 20px; margin-top: .15em; accent-color: var(--color-accent-dark); flex-shrink: 0; }

.hp-field { position: absolute !important; left: -9999px !important; } /* honeypot */

.form-status { display: none; padding: var(--space-4); border-radius: var(--radius-sm); font-weight: 500; }
.form-status.is-success { display: block; background: #ECFDF3; color: var(--color-success); }
.form-status.is-error { display: block; background: #FEF3F2; color: var(--color-error); }

/* --- Multi-step form --- */
.progress { margin-bottom: var(--space-6); }
.progress__label { margin-bottom: var(--space-3); font-family: var(--font-heading); font-size: var(--fs-sm); font-weight: 600; color: var(--color-primary); }
.progress__label span[data-step-title] { color: var(--color-accent-dark); }
.progress__track { height: 8px; border-radius: var(--radius-pill); background: var(--color-accent-light); overflow: hidden; }
.progress__bar { display: block; width: 0; height: 100%; border-radius: inherit; background: var(--gradient-brand); transition: width .5s var(--ease); }
.progress__steps { display: none; justify-content: space-between; list-style: none; margin: var(--space-3) 0 0; padding: 0; font-size: var(--fs-xs); color: var(--color-muted); counter-reset: pstep; }
@media (min-width: 576px) { .progress__steps { display: flex; } }
.progress__steps li { display: flex; align-items: center; gap: var(--space-2); counter-increment: pstep; }
.progress__steps li::before {
  content: counter(pstep);
  display: grid;
  place-items: center;
  width: 22px;
  height: 22px;
  border: 2px solid var(--color-border);
  border-radius: 50%;
  font-weight: 600;
  font-size: .7rem;
}
.progress__steps li.is-active { color: var(--color-primary); font-weight: 600; }
.progress__steps li.is-active::before { border-color: var(--color-accent); background: var(--color-accent); color: var(--color-primary); }
.progress__steps li.is-done { color: var(--color-accent-dark); }
.progress__steps li.is-done::before { content: "✓"; border-color: var(--color-accent-dark); background: var(--color-accent-dark); color: var(--color-white); }

.form-step { display: grid; gap: var(--space-5); min-width: 0; margin: 0; padding: 0; border: 0; }
.form-step[hidden] { display: none; }
.form-step > legend { margin-bottom: var(--space-2); padding: 0; font-family: var(--font-heading); font-size: var(--fs-lg); font-weight: 700; color: var(--color-primary); }
.form-step > legend:focus { outline: none; }
.js .form-step:not(:first-of-type) { animation: step-in .4s var(--ease); }
@keyframes step-in { from { opacity: 0; transform: translateX(16px); } to { opacity: 1; transform: none; } }
.form-nav { display: flex; flex-wrap: wrap; justify-content: space-between; gap: var(--space-3); margin-top: var(--space-2); }
.form-nav > :only-child { margin-left: auto; }

/* Choice chips: checkbox / radio groups styled as selectable pills */
.choices { display: flex; flex-wrap: wrap; gap: var(--space-3); margin: 0; padding: 0; border: 0; }
.choices legend { margin-bottom: var(--space-3); padding: 0; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.choice span {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  min-height: 44px;
  padding: .55rem 1.1rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-pill);
  background: var(--color-white);
  font-size: var(--fs-sm);
  font-weight: 500;
  color: var(--color-primary);
  transition: border-color var(--t-fast) var(--ease), background-color var(--t-fast) var(--ease);
}
.choice input:hover + span { border-color: var(--color-accent); }
.choice input:checked + span { border-color: var(--color-accent-dark); background: var(--color-accent-light); }
.choice input:checked + span::before { content: "✓"; font-weight: 700; color: var(--color-accent-dark); }
.choice input:focus-visible + span { outline: 3px solid var(--color-accent); outline-offset: 2px; }
.field.is-invalid .choice span { border-color: var(--color-error); }

/* --- Copy-to-clipboard button --- */
.copy-list { margin: 0; }
.copy-row { padding: var(--space-3) 0; border-bottom: 1px dashed var(--color-border); }
.copy-row:last-child { border-bottom: 0; }
.copy-row dt { font-size: var(--fs-xs); color: var(--color-muted); text-transform: uppercase; letter-spacing: .06em; }
.copy-row dd { display: flex; align-items: center; justify-content: space-between; gap: var(--space-4); margin: 0; }
.copy-row__value { font-family: var(--font-heading); font-weight: 600; color: var(--color-primary); word-break: break-word; }
.copy-btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  flex-shrink: 0;
  min-height: 36px;
  padding: .35rem .85rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-pill);
  background: var(--color-white);
  color: var(--color-primary);
  font-size: var(--fs-xs);
  font-weight: 600;
  transition: border-color var(--t-fast) var(--ease), background-color var(--t-fast) var(--ease), color var(--t-fast) var(--ease);
}
.copy-btn:hover { border-color: var(--color-accent); color: var(--color-accent-dark); }
.copy-btn.is-copied { border-color: var(--color-success); background: #ECFDF3; color: var(--color-success); }

/* --- Accordion (FAQ) --- */
.accordion { display: grid; gap: var(--space-3); }
.accordion__item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  background: var(--color-white);
  overflow: hidden;
  transition: box-shadow var(--t) var(--ease), border-color var(--t) var(--ease);
}
.accordion__item.is-open { border-color: var(--color-accent); box-shadow: var(--shadow-sm); }
.accordion__trigger {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-4);
  width: 100%;
  padding: var(--space-4) var(--space-5);
  border: 0;
  background: none;
  text-align: left;
  font-family: var(--font-heading);
  font-size: var(--fs-base);
  font-weight: 600;
  color: var(--color-primary);
}
.accordion__trigger .icon { transition: transform var(--t) var(--ease); color: var(--color-accent-dark); }
.accordion__trigger[aria-expanded="true"] .icon { transform: rotate(180deg); }
.accordion__heading { margin: 0; font-size: inherit; }
.accordion__trigger:hover { color: var(--color-accent-dark); }
.accordion__trigger:focus-visible { outline-offset: -3px; }
/* Closed panels get [hidden] from JS; without JS every answer is visible */
.accordion__panel { overflow: hidden; transition: height var(--t) var(--ease); }
.accordion__panel-inner { padding: 0 var(--space-5) var(--space-5); color: var(--color-muted); }
.accordion__panel-inner > :last-child { margin-bottom: 0; }

/* --- Breadcrumb --- */
.breadcrumb ol { display: flex; flex-wrap: wrap; gap: var(--space-2); list-style: none; margin: 0; padding: 0; font-size: var(--fs-sm); }
.breadcrumb li + li::before { content: "/"; margin-right: var(--space-2); opacity: .6; }
.breadcrumb a { color: inherit; text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb [aria-current] { color: #5EEAD4; }

/* --- Placeholder marker (client content still to supply) --- */
.placeholder-note {
  display: inline-block;
  padding: .1rem .5rem;
  border: 1px dashed #D97706;
  border-radius: 4px;
  background: #FFF6E5;
  color: #92400E;
  font-size: var(--fs-xs);
  font-weight: 600;
}

/* 5. Header, top bar, navigation
   The header is fixed and transparent over the dark hero / page banner,
   then turns white with a shadow and shrinks once the page scrolls.
   Add .site-header--solid on pages that don't start with a dark banner.
   ========================================================================== */
.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: var(--z-header);
  transition: background-color var(--t) var(--ease), box-shadow var(--t) var(--ease), transform var(--t) var(--ease);
}

/* Top info bar */
.topbar {
  display: none;
  height: var(--topbar-h);
  background: var(--color-primary);
  color: var(--color-white);
  font-size: var(--fs-xs);
  overflow: hidden;
  transition: height var(--t) var(--ease);
}
@media (min-width: 768px) { .topbar { display: block; } }
.topbar .container { display: flex; align-items: center; justify-content: space-between; height: 100%; gap: var(--space-5); }
.topbar__list { display: flex; align-items: center; gap: var(--space-5); list-style: none; margin: 0; padding: 0; }
.topbar__list li { display: flex; align-items: center; gap: var(--space-2); }
.topbar .icon { color: var(--color-accent); font-size: .95em; }
.topbar a { color: var(--color-white); text-decoration: none; }
.topbar a:hover { color: #5EEAD4; }
.topbar__social { display: flex; gap: var(--space-3); list-style: none; margin: 0; padding: 0; }
.topbar__social a { display: grid; place-items: center; width: 26px; height: 26px; }

.site-header.is-scrolled .topbar { height: 0; }

/* Main navbar row */
.navbar { transition: background-color var(--t) var(--ease), box-shadow var(--t) var(--ease); }
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-5);
  height: var(--nav-h);
  transition: height var(--t) var(--ease);
}
.site-header.is-scrolled .navbar,
.site-header--solid .navbar,
.site-header.menu-open .navbar {
  background: var(--color-white);
  box-shadow: 0 6px 24px rgba(1,51,100,.10);
}
.site-header.is-scrolled .navbar .container { height: var(--nav-h-scrolled); }

/* Logo: white version over the dark hero, colour version once solid */
.brand { position: relative; display: block; flex-shrink: 0; width: 150px; }
@media (min-width: 1024px) { .brand { width: 170px; } }
.brand img { width: 100%; height: auto; transition: opacity var(--t) var(--ease), width var(--t) var(--ease); }
.brand__color { position: absolute; inset: 0; opacity: 0; }
.site-header.is-scrolled .brand__white,
.site-header--solid .brand__white,
.site-header.menu-open .brand__white { opacity: 0; }
.site-header.is-scrolled .brand__color,
.site-header--solid .brand__color,
.site-header.menu-open .brand__color { opacity: 1; }
.site-header.is-scrolled .brand { width: 140px; }

/* Navigation (mobile first: off-canvas panel) */
.nav {
  position: fixed;
  inset: 0 0 0 auto;
  z-index: var(--z-menu);
  display: flex;
  flex-direction: column;
  width: min(86vw, 360px);
  padding: calc(var(--nav-h) + var(--space-4)) var(--space-5) var(--space-6);
  background: var(--color-white);
  box-shadow: -20px 0 40px rgba(1,51,100,.18);
  overflow-y: auto;
  transform: translateX(100%);
  visibility: hidden;
  transition: transform var(--t) var(--ease), visibility 0s linear var(--t);
}
.nav.is-open {
  transform: translateX(0);
  visibility: visible;
  transition: transform var(--t) var(--ease), visibility 0s;
}
.nav__list { list-style: none; margin: 0; padding: 0; }
.nav__item { position: relative; border-bottom: 1px solid var(--color-border); }
.nav__row { display: flex; align-items: center; justify-content: space-between; }
.nav__link {
  display: block;
  flex: 1;
  padding: var(--space-4) 0;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: var(--fs-base);
  color: var(--color-primary);
  text-decoration: none;
}
.nav__link:hover, .nav__link[aria-current="page"] { color: var(--color-accent-dark); }

.submenu-toggle {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border: 0;
  border-radius: var(--radius-sm);
  background: var(--color-accent-light);
  color: var(--color-primary);
}
.submenu-toggle .icon { font-size: .8rem; transition: transform var(--t) var(--ease); }
.submenu-toggle[aria-expanded="true"] .icon { transform: rotate(180deg); }

.submenu {
  list-style: none;
  margin: 0;
  padding: 0 0 var(--space-3) var(--space-4);
  display: none;
}
.submenu.is-open { display: block; }
.submenu a {
  display: block;
  padding: var(--space-2) 0;
  color: var(--color-text);
  font-size: var(--fs-sm);
  text-decoration: none;
}
.submenu a:hover, .submenu a[aria-current="page"] { color: var(--color-accent-dark); }

.nav__cta { margin-top: var(--space-6); }
.nav__contact { margin-top: var(--space-6); display: grid; gap: var(--space-3); font-size: var(--fs-sm); }
.nav__contact a { display: flex; align-items: center; gap: var(--space-3); color: var(--color-primary); text-decoration: none; }
.nav__contact .icon { color: var(--color-accent-dark); }

.nav-overlay {
  position: fixed;
  inset: 0;
  z-index: calc(var(--z-menu) - 1);
  background: rgba(6,26,46,.55);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--t) var(--ease), visibility 0s linear var(--t);
}
.nav-overlay.is-visible { opacity: 1; visibility: visible; transition: opacity var(--t) var(--ease), visibility 0s; }

.header-actions { display: flex; align-items: center; gap: var(--space-4); }
.header-cta { display: none; }
@media (min-width: 576px) { .header-cta { display: inline-flex; } }

/* Animated hamburger */
.hamburger {
  position: relative;
  z-index: calc(var(--z-menu) + 1);
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  border: 0;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.14);
}
.hamburger__box { position: relative; width: 24px; height: 18px; }
.hamburger__line {
  position: absolute;
  left: 0;
  width: 100%;
  height: 2.5px;
  border-radius: 2px;
  background: var(--color-white);
  transition: transform var(--t) var(--ease), opacity var(--t-fast) var(--ease), top var(--t) var(--ease), background-color var(--t) var(--ease);
}
.hamburger__line:nth-child(1) { top: 0; }
.hamburger__line:nth-child(2) { top: 7.75px; }
.hamburger__line:nth-child(3) { top: 15.5px; }
.site-header.is-scrolled .hamburger, .site-header--solid .hamburger, .site-header.menu-open .hamburger { background: var(--color-accent-light); }
.site-header.is-scrolled .hamburger__line, .site-header--solid .hamburger__line, .site-header.menu-open .hamburger__line { background: var(--color-primary); }
.hamburger[aria-expanded="true"] .hamburger__line:nth-child(1) { top: 7.75px; transform: rotate(45deg); }
.hamburger[aria-expanded="true"] .hamburger__line:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger[aria-expanded="true"] .hamburger__line:nth-child(3) { top: 7.75px; transform: rotate(-45deg); }

/* Desktop navigation */
@media (min-width: 1024px) {
  .hamburger, .nav-overlay, .nav__cta, .nav__contact { display: none; }

  .nav {
    position: static;
    flex-direction: row;
    width: auto;
    padding: 0;
    margin-left: auto;
    background: none;
    box-shadow: none;
    overflow: visible;
    transform: none;
    visibility: visible;
    transition: none;
  }
  .nav__list { display: flex; align-items: center; gap: var(--space-1); }
  .nav__item { border: 0; }
  .nav__row { gap: 0; }
  .nav__link {
    position: relative;
    padding: var(--space-2) var(--space-3);
    font-size: var(--fs-sm);
    color: var(--color-white);
  }
  /* Teal active / hover underline */
  .nav__link::after {
    content: "";
    position: absolute;
    left: var(--space-3);
    right: var(--space-3);
    bottom: 0;
    height: 2px;
    background: var(--color-accent);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform var(--t) var(--ease);
  }
  .nav__link:hover::after, .nav__link[aria-current="page"]::after,
  .nav__item--has-sub.is-active .nav__link::after { transform: scaleX(1); }
  .nav__link:hover, .nav__link[aria-current="page"] { color: var(--color-white); }

  .site-header.is-scrolled .nav__link,
  .site-header--solid .nav__link { color: var(--color-primary); }
  .site-header.is-scrolled .nav__link:hover,
  .site-header--solid .nav__link:hover,
  .site-header.is-scrolled .nav__link[aria-current="page"],
  .site-header--solid .nav__link[aria-current="page"] { color: var(--color-accent-dark); }

  .submenu-toggle {
    width: 24px;
    height: 32px;
    margin-left: -8px;
    background: none;
    color: var(--color-white);
  }
  .site-header.is-scrolled .submenu-toggle, .site-header--solid .submenu-toggle { color: var(--color-primary); }

  /* Dropdown: opens on hover, on focus-within, or via the toggle button */
  .submenu {
    position: absolute;
    top: calc(100% + 12px);
    left: -12px;
    display: block;
    min-width: 260px;
    padding: var(--space-3);
    border-top: 3px solid var(--color-accent);
    border-radius: var(--radius);
    background: var(--color-white);
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: opacity var(--t-fast) var(--ease), transform var(--t-fast) var(--ease), visibility 0s linear var(--t-fast);
  }
  .submenu::before { content: ""; position: absolute; left: 0; right: 0; top: -18px; height: 18px; } /* hover bridge */
  .nav__item--has-sub:hover .submenu,
  .submenu.is-open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    transition: opacity var(--t-fast) var(--ease), transform var(--t-fast) var(--ease), visibility 0s;
  }
  .submenu a {
    padding: var(--space-2) var(--space-3);
    border-radius: var(--radius-sm);
    color: var(--color-primary);
    font-weight: 500;
  }
  .submenu a:hover, .submenu a:focus-visible { background: var(--color-accent-light); color: var(--color-accent-dark); }

  .header-actions { margin-left: var(--space-4); }
}
@media (min-width: 1280px) {
  .nav__list { gap: var(--space-2); }
  .nav__link { font-size: var(--fs-base); }
}

/* --- "More" menu: a text button that toggles the calculators mega-menu --- */
.submenu-toggle--label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-2);
  width: 100%;
  height: auto;
  border-radius: 0;
  background: none;
  text-align: left;
}
.submenu-toggle--label .icon { font-size: .8rem; }
.mega { display: grid; gap: var(--space-4); padding-bottom: var(--space-2); }
.mega__title {
  margin: var(--space-3) 0 var(--space-1);
  font-family: var(--font-heading);
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-accent-dark);
}
.mega ul { list-style: none; margin: 0; padding: 0; }
.mega__all { font-weight: 600; }
.mega__title a { display: inline !important; padding: 0 !important; color: inherit !important; background: none !important; font-weight: inherit !important; text-decoration: none; }
.mega__title a:hover { text-decoration: underline; }
.mega__extra { display: block; margin-top: var(--space-2); color: var(--color-accent-dark); }
.mega__all::after { content: " →"; }
.header-cta__long { display: none; }
.header-cta { white-space: nowrap; }
/* With eight menu items the CTA always uses the short label ("Free Checkup") */
/* Eight menu items: tighter spacing so the navbar always fits on one line */
@media (min-width: 1024px) {
  .navbar .container { gap: var(--space-3); }
  .nav__list { gap: 0 !important; }
  .nav__link, .submenu-toggle--label { padding-inline: .5rem !important; }
  .nav__link::after { left: .5rem !important; right: .5rem !important; }
  .header-actions { margin-left: var(--space-3) !important; }
}
@media (min-width: 1024px) and (max-width: 1279px) {
  .brand { width: 118px !important; }
  .nav__link, .submenu-toggle--label { padding-inline: .32rem !important; font-size: 13.5px; }
  .nav__link::after { left: .32rem !important; right: .32rem !important; }
  .submenu-toggle { width: 18px; margin-left: -6px; }
  .header-actions { margin-left: var(--space-2) !important; }
  .header-cta { padding-inline: .9rem; }
}
@media (min-width: 1280px) and (max-width: 1439px) {
  .nav__link, .submenu-toggle--label { font-size: 15px; }
}
/* 1024–1279px: seven menu items + CTA, so tighten spacing and keep labels on one line */
@media (min-width: 1024px) {
  .nav__link { white-space: nowrap; }
}
@media (min-width: 1024px) and (max-width: 1279px) {
  .navbar .container { gap: var(--space-3); }
  .brand { width: 136px; }
  .nav__list { gap: 0; }
  .nav__link, .submenu-toggle--label { padding-inline: .55rem; }
  .nav__link::after { left: .55rem; right: .55rem; }
  .header-actions { margin-left: var(--space-2); }
}

@media (min-width: 1024px) {
  .submenu-toggle--label { width: auto; margin: 0; padding: var(--space-2) var(--space-3); border: 0; color: var(--color-white); }
  .site-header.is-scrolled .submenu-toggle--label, .site-header--solid .submenu-toggle--label { color: var(--color-primary); }
  .submenu-toggle--label[aria-expanded="true"] { color: var(--color-accent); }
  /* Anchor the wide panel to the header's content box (not the "More" link) so it never runs off-screen */
  .navbar .container { position: relative; }
  .nav__item--more { position: static; }
  .submenu--mega { top: 100%; left: auto; right: var(--gutter); width: min(980px, calc(100% - 2 * var(--gutter))); padding: var(--space-5) var(--space-5) var(--space-4); }
  .submenu--mega::before { top: -34px; height: 34px; }   /* taller hover bridge from the link down to the panel */
  .mega { grid-template-columns: repeat(5, 1fr); gap: var(--space-5); padding-bottom: var(--space-4); border-bottom: 1px solid var(--color-border); }
  .mega__title { margin-top: 0; margin-bottom: var(--space-2); padding: 0 var(--space-3); }
  .mega__all { display: inline-block; margin-top: var(--space-3); }
  .mega--4 { grid-template-columns: repeat(4, 1fr); }
  .mega__extra { display: inline-block; margin: var(--space-3) 0 0 var(--space-6); font-size: var(--fs-sm); }
}

/* Content offset for pages with a solid header (no dark banner) */
.site-header--solid + main { padding-top: var(--nav-h); }
@media (min-width: 768px) { .site-header--solid + main { padding-top: calc(var(--nav-h) + var(--topbar-h)); } }

/* 6. Footer
   ========================================================================== */
.site-footer { background: var(--color-bg-dark); color: var(--color-on-dark); font-size: var(--fs-sm); }
.site-footer a { color: var(--color-on-dark); text-decoration: none; }
.site-footer a:hover { color: #5EEAD4; }

.footer-main { padding-block: var(--space-8) var(--space-7); }
.footer-grid { display: grid; gap: var(--space-7); }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 1.4fr .8fr 1fr 1.3fr; gap: var(--space-6); } }

.footer-logo { width: 170px; margin-bottom: var(--space-5); }
.footer-tagline {
  display: inline-block;
  margin-bottom: var(--space-4);
  font-family: var(--font-heading);
  font-size: var(--fs-xs);
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: #5EEAD4;
}
.footer-since {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  margin-top: var(--space-4);
  padding: .35rem .9rem;
  border: 1px solid rgba(0,172,168,.5);
  border-radius: var(--radius-pill);
  color: var(--color-white);
  font-weight: 600;
  font-size: var(--fs-xs);
}

.footer-title {
  position: relative;
  margin-bottom: var(--space-5);
  padding-bottom: var(--space-3);
  font-size: var(--fs-md);
  color: var(--color-white);
}
.footer-title::after { content: ""; position: absolute; left: 0; bottom: 0; width: 36px; height: 3px; border-radius: 2px; background: var(--color-accent); }

.footer-links { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--space-2); }
.footer-links a { display: inline-flex; align-items: center; gap: var(--space-2); transition: color var(--t-fast) var(--ease), transform var(--t-fast) var(--ease); }
.footer-links a::before { content: ""; width: 6px; height: 6px; border-top: 2px solid var(--color-accent); border-right: 2px solid var(--color-accent); transform: rotate(45deg); }
.footer-links a:hover { transform: translateX(4px); }

.footer-office + .footer-office { margin-top: var(--space-5); }
.footer-office h3 { margin-bottom: var(--space-2); font-size: var(--fs-sm); color: var(--color-white); }
.footer-contact { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--space-2); }
.footer-contact li { display: flex; gap: var(--space-3); align-items: flex-start; }
.footer-contact .icon { margin-top: .35em; color: var(--color-accent); }

/* Social icons: teal circles with a lift on hover */
.social { display: flex; flex-wrap: wrap; gap: var(--space-3); list-style: none; margin: var(--space-5) 0 0; padding: 0; }
.social a {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: rgba(0,172,168,.16);
  color: var(--color-white);
  font-size: 1.05rem;
  transition: background-color var(--t) var(--ease), color var(--t) var(--ease), transform var(--t) var(--ease);
}
.social a:hover { background: var(--color-accent); color: var(--color-primary); transform: translateY(-4px) rotate(-8deg); }

/* Regulatory disclosure strip */
.disclosure { border-top: 1px solid rgba(255,255,255,.08); padding-block: var(--space-5); font-size: var(--fs-xs); line-height: 1.6; }
.disclosure__grid { display: grid; gap: var(--space-2) var(--space-6); list-style: none; margin: 0 0 var(--space-3); padding: 0; }
@media (min-width: 768px) { .disclosure__grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1280px) { .disclosure__grid { grid-template-columns: repeat(4, auto); justify-content: space-between; } }
.disclosure strong { color: var(--color-white); font-weight: 600; }
.disclosure__risk { margin: 0; color: var(--color-white); font-weight: 500; }
.disclosure__risk .icon { display: inline; vertical-align: -.15em; margin-right: var(--space-2); color: var(--color-accent); }

.footer-bottom { background: var(--color-bg-darker); padding-block: var(--space-4); font-size: var(--fs-xs); }
.footer-bottom .container { display: flex; flex-direction: column; gap: var(--space-3); align-items: center; text-align: center; }
@media (min-width: 1024px) { .footer-bottom .container { flex-direction: row; justify-content: space-between; text-align: left; } }
.footer-bottom p { margin: 0; }
.footer-credit::before { content: "·"; margin: 0 var(--space-2); color: var(--color-accent); }
.footer-credit a { color: var(--color-white); font-weight: 600; }
.footer-credit a:hover { color: #5EEAD4; }
.legal-links { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--space-2) var(--space-4); list-style: none; margin: 0; padding: 0; }
.legal-links li + li::before { content: "·"; margin-right: var(--space-4); color: var(--color-accent); }

/* 7. Floating elements
   ========================================================================== */
.float-whatsapp {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: var(--z-float);
  display: grid;
  place-items: center;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25D366;
  color: #073B1C;
  font-size: 1.9rem;
  box-shadow: 0 10px 25px rgba(37,211,102,.35);
  text-decoration: none;
  transition: transform var(--t) var(--ease);
}
.float-whatsapp:hover { transform: scale(1.08); color: #073B1C; }
.float-whatsapp::before,
.float-whatsapp::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 2px solid #25D366;
  animation: wa-pulse 2.4s ease-out infinite;
}
.float-whatsapp::after { animation-delay: 1.2s; }
@keyframes wa-pulse {
  0% { transform: scale(1); opacity: .7; }
  100% { transform: scale(1.7); opacity: 0; }
}
.float-whatsapp__label {
  position: absolute;
  right: calc(100% + 12px);
  padding: .4rem .8rem;
  border-radius: var(--radius-sm);
  background: var(--color-white);
  color: var(--color-primary);
  font-size: var(--fs-xs);
  font-weight: 600;
  white-space: nowrap;
  box-shadow: var(--shadow);
  opacity: 0;
  transform: translateX(8px);
  pointer-events: none;
  transition: opacity var(--t-fast) var(--ease), transform var(--t-fast) var(--ease);
}
@media (hover: hover) {
  .float-whatsapp:hover .float-whatsapp__label,
  .float-whatsapp:focus-visible .float-whatsapp__label { opacity: 1; transform: translateX(0); }
}

.back-to-top {
  position: fixed;
  right: 24px;
  bottom: 90px;
  z-index: var(--z-float);
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border: 0;
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-white);
  box-shadow: var(--shadow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: opacity var(--t) var(--ease), transform var(--t) var(--ease), visibility 0s linear var(--t), background-color var(--t-fast) var(--ease);
}
.back-to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); transition: opacity var(--t) var(--ease), transform var(--t) var(--ease), visibility 0s, background-color var(--t-fast) var(--ease); }
.back-to-top:hover { background: var(--color-accent); color: var(--color-primary); }

/* Keep floating buttons out of the way of the open mobile menu */
body.no-scroll .float-whatsapp,
body.no-scroll .back-to-top { opacity: 0; visibility: hidden; }

/* Home preloader (initLoader in main.js): navy screen, white logo, teal progress bar and %.
   JS removes it (1.2s min, 4s max). CSS fallback: fades out after 5s if main.js never runs. */
.page-loader {
  position: fixed;
  inset: 0;
  z-index: var(--z-loader);
  display: grid;
  place-items: center;
  background: linear-gradient(180deg, #013364 0%, #0A2540 60%, #061A2E 100%);
  color: var(--color-white);
  animation: loader-out .4s ease 5s forwards;
  transition: opacity .45s ease, visibility 0s linear .45s;
}
.js .page-loader { animation-delay: 5s; }
.page-loader.is-done { opacity: 0; visibility: hidden; }
.page-loader__inner { display: grid; justify-items: center; gap: 16px; animation: loader-in .7s cubic-bezier(.22,1,.36,1) both; transition: opacity .3s ease, transform .3s ease; }
.page-loader.is-done .page-loader__inner { opacity: 0; transform: translateY(-10px); }
.page-loader__inner img { width: 180px; }
.page-loader__bar { position: relative; display: block; width: 160px; height: 2px; border-radius: 2px; background: rgba(255,255,255,.15); overflow: hidden; }
.page-loader__bar > span { position: absolute; inset: 0; background: #00ACA8; transform-origin: left; transform: scaleX(var(--progress, 0)); }
.page-loader__pct { font-size: 12px; letter-spacing: .2em; color: rgba(255,255,255,.7); font-variant-numeric: tabular-nums; }
.page-loader__tag { margin-top: 8px; font-size: 11px; font-weight: 500; letter-spacing: .25em; text-transform: uppercase; color: rgba(255,255,255,.8); }
.page-loader.is-quick .page-loader__inner { animation: none; opacity: 0; }
html.loader-lock { overflow: hidden; }
@keyframes loader-in { from { opacity: 0; transform: translateY(12px); } }
@keyframes loader-out { to { opacity: 0; visibility: hidden; } }

/* 8. Page sections
   ========================================================================== */
/* Placeholder banner used until Phase 3/4 add the hero and page banners */
.shell-banner {
  display: grid;
  align-items: end;
  min-height: 420px;
  padding-block: calc(var(--nav-h) + var(--topbar-h) + var(--space-6)) var(--space-7);
  background: var(--gradient-hero), var(--color-primary-dark) center / cover no-repeat;
  color: var(--color-white);
}
.shell-banner h1 { color: var(--color-white); margin-bottom: var(--space-3); }

/* Style guide swatches (styleguide.html only) */
.swatches { display: grid; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); gap: var(--space-4); list-style: none; padding: 0; }
.swatch { border: 1px solid var(--color-border); border-radius: var(--radius); overflow: hidden; font-size: var(--fs-xs); background: var(--color-white); }
.swatch span { display: block; height: 70px; }
.swatch code { display: block; padding: var(--space-2) var(--space-3); }

/* Phones: side-slide scroll animations start 100px outside the screen and widen the page.
   Turn them into a short upward fade instead (desktop keeps the side slides). */
@media (max-width: 767px) {
  [data-aos="fade-left"]:not(.aos-animate),
  [data-aos="fade-right"]:not(.aos-animate) { transform: translate3d(0, 24px, 0) !important; }
}

/* Show AOS content if JS or the AOS CDN is unavailable */
.no-js [data-aos], .no-aos [data-aos] { opacity: 1 !important; transform: none !important; }

/* Generic scroll-triggered state: main.js adds .is-inview to [data-inview] */
[data-inview] { --inview: 1; }
.js [data-inview]:not(.is-inview) { --inview: 0; }

/* --- Hero video slider --- */
.hero {
  position: relative;
  height: 100vh;
  height: 100svh;
  min-height: 620px;
  max-height: 1100px;
  color: var(--color-white);
  overflow: hidden;
}
.hero-swiper, .hero-swiper .swiper-wrapper, .hero-swiper .swiper-slide { height: 100%; }
.hero-swiper .swiper-slide { position: relative; overflow: hidden; }
.hero-swiper:not(.swiper-initialized) .swiper-slide:not(:first-child) { display: none; }

.hero__media { position: absolute; inset: 0; }
.hero__media img,
.hero__media video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero__media video { opacity: 0; transition: opacity .8s var(--ease); }
.hero__media video.is-playing { opacity: 1; }
/* Slow Ken Burns zoom on the poster of the active slide */
.swiper-slide-active .hero__media img { animation: ken-burns 14s ease-out both; }
@keyframes ken-burns { from { transform: scale(1); } to { transform: scale(1.12); } }

/* Neutral dark shade over the image/video (no brand colour), a little stronger behind the text on the left.
   It carries the text contrast on its own, so the hero text has no text shadow. */
.hero__media::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background: rgba(0, 0, 0, .5);
  pointer-events: none;
}
@media (min-width: 768px) {
  .hero__media::after { background: linear-gradient(90deg, rgba(0,0,0,.62) 0%, rgba(0,0,0,.45) 50%, rgba(0,0,0,.28) 100%); }
}

.hero__content {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  height: 100%;
  padding-top: calc(var(--nav-h) + var(--space-4));
  padding-bottom: var(--space-9);
}
@media (min-width: 768px) { .hero__content { padding-top: calc(var(--nav-h) + var(--topbar-h)); } }
.hero__inner { max-width: 720px; }
.hero .eyebrow { color: var(--color-white); font-size: var(--fs-sm); }
.hero .eyebrow::before { background: var(--color-white); }
.hero__title {
  margin-bottom: var(--space-5);
  font-size: clamp(2.25rem, 1.4rem + 4vw, 4.25rem);
  color: var(--color-white);
  text-wrap: balance;
}
.hero__text { max-width: 580px; margin-bottom: var(--space-6); font-size: var(--fs-md); color: #E2E8F0; }
@media (min-width: 768px) { .hero__text { font-size: 1.25rem; } }

/* Text entrance on slide change (only once Swiper is running) */
.hero-swiper.swiper-initialized .hero__anim { opacity: 0; transform: translateY(32px); }
.hero-swiper.swiper-initialized .swiper-slide-active .hero__anim {
  animation: fade-up .9s var(--ease) forwards;
  animation-delay: calc(var(--d, 0) * 150ms + 250ms);
}
@keyframes fade-up { to { opacity: 1; transform: none; } }

/* Slide 1 brand message (home hero); animates in with its slide like the other slides */
.hero__content--brand .hero__inner { max-width: 780px; }
.hero__brand {
  margin: 0 0 var(--space-3);
  font-size: clamp(2.6rem, 1.4rem + 5vw, 5.5rem);
  font-weight: 800;
  line-height: 1;
  letter-spacing: .01em;
  text-transform: uppercase;
  color: var(--color-white);
}
.hero__position {
  margin: 0 0 var(--space-5);
  font-family: var(--font-heading);
  font-size: clamp(1.2rem, .95rem + 1.3vw, 2rem);
  font-weight: 600;
  line-height: 1.25;
  color: var(--color-white);
}
.hero__position span { color: #5EEAD4; white-space: nowrap; }
.hero__tagline {
  display: inline-block;
  margin: 0 0 var(--space-5);
  padding: var(--space-2) 0 var(--space-2) var(--space-4);
  border-left: 4px solid var(--color-accent);
  font-family: 'Noto Sans Malayalam', 'Manjari', 'Malayalam Sangam MN', 'Malayalam MN', 'Nirmala UI', 'Kartika', var(--font-body);
  font-size: clamp(1.5rem, 1.1rem + 1.6vw, 2.4rem);
  font-weight: 600;
  line-height: 1.5;
  color: var(--color-white);
}
.hero__content--brand .hero__text { max-width: 560px; margin-bottom: var(--space-6); }
@media (max-width: 767px) {
  .hero__content--brand { align-items: flex-end; padding-bottom: 96px; }   /* phones: text sits above the slide controls */
  .hero__brand { margin-bottom: var(--space-2); }
  .hero__position, .hero__tagline { margin-bottom: var(--space-4); }
  .hero__content--brand .hero__text { margin-bottom: var(--space-5); font-size: var(--fs-base); }
  .hero__content--brand .btn-group .btn { flex: 1 1 100%; }
}

/* Hero controls */
.hero__controls {
  position: absolute;
  z-index: 5;
  left: 0;
  right: 0;
  bottom: var(--space-6);
}
.hero__controls .container { display: flex; align-items: center; justify-content: space-between; gap: var(--space-4); }
.hero__pagination.swiper-pagination-bullets { position: static; display: flex; gap: var(--space-2); width: auto; }
.hero__pagination .swiper-pagination-bullet {
  width: 12px;
  height: 12px;
  margin: 0 !important;
  border-radius: var(--radius-pill);
  background: rgba(255,255,255,.55);
  opacity: 1;
  transition: width var(--t) var(--ease), background-color var(--t) var(--ease);
}
.hero__pagination .swiper-pagination-bullet-active { width: 36px; background: var(--color-accent); }
.hero__buttons { display: flex; gap: var(--space-2); }
.hero__btn {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  border: 1.5px solid rgba(255,255,255,.6);
  border-radius: 50%;
  background: rgba(1,51,100,.35);
  color: var(--color-white);
  backdrop-filter: blur(4px);
  transition: background-color var(--t-fast) var(--ease), color var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease);
}
.hero__btn:hover { background: var(--color-accent); border-color: var(--color-accent); color: var(--color-primary); }
.hero__btn .icon { font-size: .9rem; }
.hero__btn .icon--play { display: none; }
.hero__btn[aria-pressed="true"] .icon--pause { display: none; }
.hero__btn[aria-pressed="true"] .icon--play { display: block; }
/* Phones: swipe replaces the arrows; keep pause beside the dots, clear of the WhatsApp button */
@media (max-width: 767px) {
  .hero__controls .container { justify-content: flex-start; }
  .hero__prev, .hero__next { display: none; }
}

.scroll-indicator {
  position: absolute;
  z-index: 5;
  left: 50%;
  bottom: var(--space-6);
  display: none;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
  transform: translateX(-50%);
  color: var(--color-white);
  font-size: var(--fs-xs);
  letter-spacing: .12em;
  text-transform: uppercase;
  text-decoration: none;
}
@media (min-width: 768px) { .scroll-indicator { display: flex; } }
.scroll-indicator:hover { color: #5EEAD4; }
.scroll-indicator__mouse {
  position: relative;
  width: 26px;
  height: 40px;
  border: 2px solid currentColor;
  border-radius: 14px;
}
.scroll-indicator__mouse::after {
  content: "";
  position: absolute;
  top: 7px;
  left: 50%;
  width: 4px;
  height: 8px;
  margin-left: -2px;
  border-radius: 2px;
  background: var(--color-accent);
  animation: scroll-wheel 1.8s ease-in-out infinite;
}
@keyframes scroll-wheel { 0% { opacity: 1; transform: translateY(0); } 70% { opacity: 0; transform: translateY(12px); } 100% { opacity: 0; } }

/* --- Stats strip --- */
.stats { padding-block: var(--space-7); }
.stats__grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-6) var(--space-4); list-style: none; margin: 0; padding: 0; text-align: center; }
@media (min-width: 1024px) { .stats__grid { grid-template-columns: repeat(4, 1fr); } }
.stat { position: relative; }
@media (min-width: 1024px) {
  .stat + .stat::before { content: ""; position: absolute; left: 0; top: 15%; bottom: 15%; width: 1px; background: rgba(255,255,255,.25); }
}
.stat__value {
  display: block;
  font-family: var(--font-heading);
  font-size: clamp(2rem, 1.4rem + 2.6vw, 3.25rem);
  font-weight: 700;
  line-height: 1.1;
  color: var(--color-white);
  font-variant-numeric: tabular-nums;
}
.stat__label { display: block; margin-top: var(--space-2); font-size: var(--fs-sm); color: #E2E8F0; letter-spacing: .02em; }

/* --- About --- */
.about-collage { position: relative; padding: 0 var(--space-6) var(--space-8) 0; }
.about-collage__main { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.about-collage__main img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; }
.about-collage__sub {
  position: absolute;
  right: 0;
  bottom: 0;
  width: 48%;
  border: 6px solid var(--color-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-collage__sub img { width: 100%; aspect-ratio: 1; object-fit: cover; }
.about-collage__badge {
  position: absolute;
  left: var(--space-5);
  bottom: var(--space-4);
  display: grid;
  place-items: center;
  width: 124px;
  height: 124px;
  padding: var(--space-3);
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-white);
  text-align: center;
  font-size: var(--fs-xs);
  line-height: 1.3;
  box-shadow: var(--shadow-lg);
}
.about-collage__badge strong { display: block; font-family: var(--font-heading); font-size: 2rem; line-height: 1; color: #5EEAD4; }
.about__text p { color: var(--color-text); }
.about__text .tick-list { margin-top: var(--space-5); }

/* --- Founder message --- */
.founder { overflow: hidden; }
.founder__grid { display: grid; gap: var(--space-8); align-items: center; }
@media (min-width: 1024px) { .founder__grid { grid-template-columns: 5fr 7fr; gap: var(--space-9); } }
.founder__photo { position: relative; max-width: 420px; margin: var(--space-4) auto 0; }
.founder__photo::before { /* accent shape behind the frame */
  content: "";
  position: absolute;
  inset: 12% -10% -8% 18%;
  border-radius: var(--radius-lg);
  background: var(--color-accent);
  opacity: .9;
  transform: rotate(4deg);
}
.founder__frame { position: relative; border-radius: var(--radius-lg); overflow: hidden; box-shadow: 0 25px 50px rgba(0,0,0,.35); }
.founder__frame img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; }
.founder__photo .bracket-corner { position: absolute; z-index: 2; width: 64px; height: 64px; border: 4px solid #5EEAD4; }
.founder__photo .bracket-corner--tl { top: -16px; left: -16px; border-right: 0; border-bottom: 0; border-top-left-radius: 12px; }
.founder__photo .bracket-corner--br { right: -16px; bottom: -16px; border-left: 0; border-top: 0; border-bottom-right-radius: 12px; }

.founder__quote { position: relative; margin: 0; }
.founder__quote-mark { font-size: 3.5rem; color: var(--color-accent); margin-bottom: var(--space-4); }
.founder__quote blockquote { margin: 0; }
.founder__quote blockquote p { font-size: var(--fs-md); line-height: 1.8; color: #E2E8F0; }
@media (min-width: 768px) { .founder__quote blockquote p { font-size: 1.2rem; } }
.founder__quote .placeholder-note { margin-top: var(--space-4); }
.founder__sign { display: flex; align-items: center; gap: var(--space-4); margin-top: var(--space-6); padding-top: var(--space-5); border-top: 1px solid rgba(255,255,255,.15); }
.founder__signature { width: 120px; color: #5EEAD4; }
.founder__name { margin: 0; font-family: var(--font-heading); font-size: var(--fs-lg); font-weight: 700; color: var(--color-white); }
.founder__role { margin: 0; font-size: var(--fs-sm); color: #5EEAD4; }

/* --- Service cards: horizontal pastel cards ---
   Left column: icon circle + a large vertical number (01, 02… generated by CSS, not content).
   Right column: uppercase title, text, "Learn more →". 2-column grid; the "Not sure where to start?"
   card spans the full width. Style only: the markup is unchanged. */
.grid:has(> .card--service) { counter-reset: svc; gap: var(--space-5); }
@media (min-width: 768px) {
  .grid:has(> .card--service) { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px 32px; }
}
.card--service {
  counter-increment: svc;
  display: grid;
  grid-template-columns: 64px minmax(0, 1fr);
  grid-template-rows: auto auto 1fr;
  column-gap: var(--space-5);
  padding: 28px 28px 26px;
  border: 1px solid var(--color-border);
  border-radius: 20px;
  background: linear-gradient(100deg, var(--color-accent-light) 0%, var(--color-white) 42%, var(--color-white) 100%);   /* site palette: pale teal → white */
  box-shadow: 0 10px 30px rgba(1,51,100,.07);
  overflow: hidden;
}
@media (min-width: 768px) { .card--service { grid-template-columns: 84px minmax(0, 1fr); column-gap: 28px; padding: 34px 36px 32px 30px; } }
.card--service:hover, .card--service:focus-within { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(1,51,100,.13); border-color: var(--color-accent); }

/* Left column */
.card--service .icon-circle {
  grid-column: 1; grid-row: 1;
  justify-self: center;
  width: 64px; height: 64px;
  margin: 0;
  background: var(--color-white);
  color: var(--color-accent-dark);
  box-shadow: 0 6px 18px rgba(0,122,119,.12);
  font-size: 1.45rem;
}
@media (min-width: 768px) { .card--service .icon-circle { width: 84px; height: 84px; font-size: 1.8rem; } }
.card--service:hover .icon-circle, .card--service:focus-within .icon-circle { background: var(--color-accent); color: var(--color-primary); transform: rotate(-6deg); }
.card--service::before {
  content: counter(svc, decimal-leading-zero);
  content: counter(svc, decimal-leading-zero) / "";   /* decorative: hidden from screen readers where supported */
  grid-column: 1; grid-row: 2 / 4;
  align-self: end;
  justify-self: center;
  margin-top: var(--space-5);
  writing-mode: vertical-rl;
  transform: rotate(180deg);
  font-family: var(--font-heading);
  font-size: 44px;
  font-weight: 800;
  line-height: 1;
  letter-spacing: .02em;
  color: #B8C9DD;   /* soft navy tint */
  transition: color var(--t) var(--ease);
}
@media (min-width: 768px) { .card--service::before { font-size: 58px; } }
.card--service:hover::before, .card--service:focus-within::before { color: var(--color-accent); }

/* Right column */
.card--service h3 {
  grid-column: 2; grid-row: 1;
  align-self: center;
  margin: 0 0 var(--space-3);
  font-size: clamp(1.15rem, 1rem + .6vw, 1.5rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: .01em;
  text-transform: uppercase;
  color: var(--color-primary);
}
.card--service p { grid-column: 2; grid-row: 2; margin: 0; font-size: var(--fs-md); line-height: 1.6; color: var(--color-muted); }
.card--service .link-arrow {
  grid-column: 2; grid-row: 3;
  align-self: end;
  justify-self: start;
  margin-top: var(--space-5);
  padding-top: 0;
  font-size: var(--fs-base);
  color: var(--color-primary);
}
.card--service:hover .link-arrow, .card--service:focus-within .link-arrow { color: var(--color-accent-dark); }

/* Whole card is clickable via the link's stretched pseudo-element */
.card--service .link-arrow::before { content: ""; position: absolute; inset: 0; z-index: 1; }
.card--service .link-arrow:focus-visible { outline: none; }
.card--service:has(.link-arrow:focus-visible) { outline: 3px solid var(--color-accent); outline-offset: 3px; }

.card--cta {
  justify-content: center;
  background: var(--gradient-brand-text);
  border-color: transparent;
  color: var(--color-white);
}
.card--cta h3 { color: var(--color-white); }
.card--cta p { color: #E2E8F0; }
.card--cta .btn { align-self: flex-start; margin-top: var(--space-4); }
/* In the services grid the CTA card spans the full width, text left and button right */
.grid:has(> .card--service) > .card--cta { grid-column: 1 / -1; border-radius: 20px; padding: 32px 36px; }
@media (min-width: 768px) {
  .grid:has(> .card--service) > .card--cta { display: grid; grid-template-columns: minmax(0, 1fr) auto; column-gap: var(--space-6); align-items: center; }
  .grid:has(> .card--service) > .card--cta h3 { grid-column: 1; margin-bottom: var(--space-2); }
  .grid:has(> .card--service) > .card--cta p { grid-column: 1; margin: 0; }
  .grid:has(> .card--service) > .card--cta .btn { grid-column: 2; grid-row: 1 / 3; margin: 0; }
}

/* --- Home "Our Services": goal-based cards (2 × 2), services shown as chips --- */
.goal-grid { display: grid; gap: var(--space-5); }
@media (min-width: 768px) { .goal-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px 32px; } }
.goal-card {
  display: grid;
  grid-template-columns: 64px minmax(0, 1fr);
  gap: var(--space-5);
  padding: 30px 28px;
  border: 1px solid var(--color-border);
  border-radius: 20px;
  background: linear-gradient(100deg, var(--color-accent-light) 0%, var(--color-white) 42%, var(--color-white) 100%);
  box-shadow: 0 10px 30px rgba(1,51,100,.07);
  transition: transform var(--t) var(--ease), box-shadow var(--t) var(--ease), border-color var(--t) var(--ease);
}
@media (max-width: 575px) { .goal-card { grid-template-columns: 1fr; gap: var(--space-3); padding: 26px 22px; } }   /* phones: icon above the text */
@media (min-width: 768px) { .goal-card { grid-template-columns: 84px minmax(0, 1fr); gap: 28px; padding: 36px 36px 34px 30px; } }
.goal-card:hover, .goal-card:focus-within { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(1,51,100,.13); border-color: var(--color-accent); }
.goal-card__icon {
  display: grid; place-items: center;
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--color-white);
  color: var(--color-accent-dark);
  box-shadow: 0 6px 18px rgba(0,122,119,.12);
  font-size: 1.45rem;
  transition: background-color var(--t) var(--ease), color var(--t) var(--ease), transform var(--t) var(--ease);
}
@media (min-width: 768px) { .goal-card__icon { width: 84px; height: 84px; font-size: 1.8rem; } }
.goal-card:hover .goal-card__icon { background: var(--color-accent); color: var(--color-primary); transform: rotate(-6deg); }
.goal-card h3 { margin: var(--space-2) 0 var(--space-2); font-size: clamp(1.2rem, 1rem + .7vw, 1.6rem); font-weight: 800; text-transform: uppercase; letter-spacing: .01em; color: var(--color-primary); }
.goal-card p { margin: 0 0 var(--space-4); color: var(--color-muted); }
.goal-card__chips { display: flex; flex-wrap: wrap; gap: var(--space-2); list-style: none; margin: 0 0 var(--space-5); padding: 0; }
.goal-card__chips a {
  display: inline-flex; align-items: center;
  min-height: 36px; padding: .35rem .9rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-pill);
  background: var(--color-white);
  color: var(--color-primary);
  font-size: var(--fs-sm); font-weight: 600;
  text-decoration: none;
  transition: background-color var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease), color var(--t-fast) var(--ease);
}
.goal-card__chips a:hover { border-color: var(--color-accent); background: var(--color-accent-light); color: var(--color-accent-dark); }
.goal-card .link-arrow { color: var(--color-primary); }
.goal-card .link-arrow:hover { color: var(--color-accent-dark); }
.goal-grid__cta { grid-column: 1 / -1; border-radius: 20px; padding: 32px 36px; }
@media (min-width: 768px) {
  .goal-grid__cta { display: grid; grid-template-columns: minmax(0, 1fr) auto; column-gap: var(--space-6); align-items: center; }
  .goal-grid__cta h3 { grid-column: 1; margin-bottom: var(--space-2); }
  .goal-grid__cta p { grid-column: 1; margin: 0; }
  .goal-grid__cta .btn { grid-column: 2; grid-row: 1 / 3; margin: 0; }
}

.for-business { display: flex; align-items: center; justify-content: center; gap: var(--space-3); margin: var(--space-6) 0 0; text-align: center; color: var(--color-muted); }
.for-business .icon { color: var(--color-accent-dark); font-size: 1.2rem; }
.goal-card { scroll-margin-top: calc(var(--nav-h-scrolled) + 20px); }

/* Home "Our Services" background texture: fine navy dot grid (fading towards the centre) + soft brand glows */
#services { isolation: isolate; overflow: hidden; }
#services::before,
#services::after { content: ""; position: absolute; inset: 0; z-index: -1; pointer-events: none; }
#services::before {
  background-image: radial-gradient(rgba(1,51,100,.16) 1.2px, transparent 1.4px);
  background-size: 22px 22px;
  -webkit-mask-image: radial-gradient(ellipse 75% 65% at 50% 50%, transparent 35%, #000 100%);
          mask-image: radial-gradient(ellipse 75% 65% at 50% 50%, transparent 35%, #000 100%);
}
#services::after {
  background:
    radial-gradient(520px 420px at 0% 0%, rgba(0,172,168,.14), transparent 70%),
    radial-gradient(560px 460px at 100% 100%, rgba(1,51,100,.10), transparent 70%);
}

.services__note { max-width: 860px; margin: var(--space-7) auto 0; }

/* --- Free checkup feature card --- */
.checkup-card {
  position: relative;
  display: grid;
  gap: var(--space-7);
  padding: var(--space-7) var(--space-5);
  border-radius: calc(var(--radius-lg) + 8px);
  background: var(--gradient-brand-text);
  color: var(--color-white);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
@media (min-width: 768px) { .checkup-card { padding: var(--space-8) var(--space-7); } }
@media (min-width: 1024px) { .checkup-card { grid-template-columns: 5fr 7fr; align-items: center; } }
.checkup-card::after { /* soft glow */
  content: "";
  position: absolute;
  right: -120px;
  top: -120px;
  width: 360px;
  height: 360px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,172,168,.45), transparent 70%);
  pointer-events: none;
}
.checkup-card h2 { color: var(--color-white); }
.checkup-card p { color: #E2E8F0; }
.checkup-card .eyebrow { color: #5EEAD4; }

.steps { position: relative; z-index: 1; display: grid; gap: var(--space-6); list-style: none; margin: 0; padding: 0; counter-reset: step; }
@media (min-width: 768px) { .steps { grid-template-columns: repeat(3, 1fr); gap: var(--space-5); } }
.steps__line { /* animated connector */
  position: absolute;
  z-index: -1;
  background: rgba(255,255,255,.2);
  left: 31px; top: 32px; bottom: 32px; width: 2px;
}
.steps__line::after {
  content: "";
  position: absolute;
  inset: 0;
  background: #5EEAD4;
  transform-origin: top;
  transform: scaleY(var(--inview));
  transition: transform 1.4s var(--ease) .2s;
}
@media (min-width: 768px) {
  .steps__line { left: 16.66%; right: 16.66%; top: 31px; bottom: auto; width: auto; height: 2px; }
  .steps__line::after { transform-origin: left; transform: scaleX(var(--inview)); }
}
.step { display: grid; grid-template-columns: 64px 1fr; gap: var(--space-4); align-items: start; align-content: start; }
@media (min-width: 768px) { .step { grid-template-columns: 1fr; justify-items: center; text-align: center; } }
.step__icon {
  display: grid;
  place-items: center;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--color-white);
  color: var(--color-primary);
  font-size: 1.5rem;
  box-shadow: 0 0 0 6px rgba(255,255,255,.15);
}
.step h3 { margin: var(--space-1) 0 var(--space-2); font-size: var(--fs-md); color: var(--color-white); }
.step p { margin: 0; font-size: var(--fs-sm); }

/* --- How we work: timeline --- */
.timeline { position: relative; display: grid; gap: var(--space-7); list-style: none; margin: 0; padding: 0; }
@media (min-width: 1024px) { .timeline { grid-template-columns: repeat(4, 1fr); gap: var(--space-6); } }
.timeline__line { position: absolute; left: 35px; top: 36px; bottom: 36px; width: 3px; border-radius: 2px; background: var(--color-border); }
.timeline__line::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: var(--color-accent);
  transform-origin: top;
  transform: scaleY(var(--inview));
  transition: transform 1.8s var(--ease) .2s;
}
@media (min-width: 1024px) {
  .timeline__line { left: 12.5%; right: 12.5%; top: 35px; bottom: auto; width: auto; height: 3px; }
  .timeline__line::after { transform-origin: left; transform: scaleX(var(--inview)); }
}
.timeline__step { position: relative; display: grid; grid-template-columns: 72px 1fr; gap: var(--space-5); align-content: start; }
@media (min-width: 1024px) { .timeline__step { grid-template-columns: 1fr; justify-items: center; text-align: center; } }
.timeline__num {
  position: relative;
  display: grid;
  place-items: center;
  width: 72px;
  height: 72px;
  border: 3px solid var(--color-accent);
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: var(--fs-lg);
  font-weight: 700;
  box-shadow: 0 0 0 8px var(--ring, var(--color-white));
  transition: transform var(--t) var(--ease);
}
.bg-alt { --ring: var(--color-bg-alt); }
.timeline__step:hover .timeline__num { transform: scale(1.08); }
.timeline__step h3 { margin: var(--space-2) 0; }
.timeline__step p { color: var(--color-muted); margin: 0; }
@media (min-width: 1024px) { .timeline__step h3 { margin-top: var(--space-5); } }

/* --- Why choose us --- */
.feature { display: flex; gap: var(--space-5); align-items: flex-start; }
.feature .icon-circle { margin: 0; width: 56px; height: 56px; font-size: 1.35rem; flex-shrink: 0; }
.feature h3 { margin-bottom: var(--space-2); font-size: var(--fs-md); }
.feature p { margin: 0; }

/* --- Partners marquee --- */
.marquee {
  position: relative;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
}
.marquee__track { display: flex; width: max-content; animation: marquee 32s linear infinite; }
.marquee:hover .marquee__track, .marquee:focus-within .marquee__track { animation-play-state: paused; }
.marquee__list { display: flex; align-items: center; gap: var(--space-5); list-style: none; margin: 0; padding: var(--space-4) var(--space-5) var(--space-4) 0; }
/* Each partner logo sits on an even white tile; grey until hover, then full colour */
.marquee__list li {
  display: grid;
  place-items: center;
  width: 220px;
  height: 104px;
  padding: var(--space-3) var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  background: var(--color-white);
  box-shadow: var(--shadow-sm);
  transition: border-color var(--t) var(--ease), box-shadow var(--t) var(--ease), transform var(--t) var(--ease);
}
.marquee__list img { max-width: 100%; max-height: 72px; width: auto; height: auto; filter: grayscale(1); opacity: .8; transition: filter var(--t) var(--ease), opacity var(--t) var(--ease); }
.marquee__list li:hover { border-color: var(--color-accent); box-shadow: var(--shadow); transform: translateY(-3px); }
.marquee__list li:hover img { filter: none; opacity: 1; }
@keyframes marquee { to { transform: translateX(-50%); } }
.partners__note { margin-top: var(--space-5); text-align: center; font-size: var(--fs-xs); color: var(--color-muted); }

/* --- Partners: 2 × 2 category cards (1 column on phones) --- */
.partner-grid { display: grid; gap: var(--space-5); max-width: 1080px; margin: 0 auto; }
@media (min-width: 768px) { .partner-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px; } }
.partner-card {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: var(--space-5);
  min-height: 250px;
  padding: var(--space-6) var(--space-5);
  border: 1px solid var(--color-border);
  border-radius: 20px;
  background: linear-gradient(160deg, var(--color-accent-light) 0%, var(--color-white) 38%);
  box-shadow: 0 10px 30px rgba(1,51,100,.07);
  text-align: center;
  transition: transform var(--t) var(--ease), box-shadow var(--t) var(--ease), border-color var(--t) var(--ease);
}
.partner-card:hover { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(1,51,100,.13); border-color: var(--color-accent); }
.partner-card__title { display: inline-flex; align-items: center; gap: var(--space-3); margin: 0; font-size: var(--fs-lg); }
.partner-card__icon { display: grid; place-items: center; flex-shrink: 0; width: 44px; height: 44px; border-radius: 50%; background: var(--color-white); color: var(--color-accent-dark); box-shadow: 0 6px 18px rgba(0,122,119,.12); transition: background-color var(--t) var(--ease), color var(--t) var(--ease); }
.partner-card:hover .partner-card__icon { background: var(--color-accent); color: var(--color-primary); }
.partner-card__logos { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--space-3); margin: 0; padding: 0; list-style: none; }
.partner-card__logo { display: grid; place-items: center; width: 170px; height: 84px; padding: var(--space-2) var(--space-3); border: 1px solid var(--color-border); border-radius: var(--radius); background: var(--color-white); }
.partner-card__logo img { width: 100%; height: 100%; object-fit: contain;   /* fills the tile, never distorts the logo */ filter: grayscale(1); opacity: .85; transition: filter var(--t) var(--ease), opacity var(--t) var(--ease); }
.partner-card:hover .partner-card__logo img { filter: none; opacity: 1; }
@media (max-width: 575px) {
  .partner-card { min-height: 0; padding: var(--space-5) var(--space-4); }
  .partner-card__title { font-size: var(--fs-md); }
  .partner-card__logo { width: calc(50% - var(--space-2)); height: 72px; }
  .partner-card__logos:has(> :only-child) .partner-card__logo { width: 60%; }
}

/* --- Testimonials: scroll-driven 3D card cloud (modelled on groww.in) ---
   .tc is taller than the viewport; .tc__sticky pins while it scrolls past. main.js sets --p (0 → 1).
   Each card has a slot (--x vw, --y vh, --zn depth in px as a plain number); the camera flies forward
   by --travel px as --p grows, and cards fade out just before they reach the viewer.
   Only transform and opacity change. */
.tc {
  --p: 0;
  --travel: 800;            /* tuned with the height so cards stay on screen until the pin releases (no empty scroll) */
  position: relative;
  height: 180vh;
  background: radial-gradient(circle at 50% 50%, rgba(0,172,168,.10), transparent 55%), var(--color-bg-alt);
}
.tc__sticky {
  position: sticky;
  top: 0;
  transform: translateY(var(--pin-fix, 0px));   /* set by main.js only if the browser ever fails to pin */
  height: 100vh;
  height: 100svh;
  overflow: hidden;
}
.tc__head {
  position: absolute;
  z-index: 5;
  top: 50%;
  left: 50%;
  width: min(760px, 90vw);
  text-align: center;
  transform: translate(-50%, -50%) scale(calc(1 + var(--p) * .06));
}
.tc__head h2 { margin-bottom: var(--space-5); font-size: clamp(2rem, 1.3rem + 2.8vw, 3.5rem); text-wrap: balance; }
.tc__cloud { position: absolute; inset: 0; isolation: isolate; }   /* own stacking context: cards never cover the headline */
.tc__cloud:focus-visible { outline-offset: -4px; }
.tc-card {
  position: absolute;
  top: 50%;
  left: 50%;
  width: 360px;
  padding: 24px 26px;
  border: 1px solid var(--color-border);
  border-radius: 16px;
  background: var(--color-white);
  box-shadow: 0 10px 30px rgba(1,51,100,.08);
  /* Depth faked in 2D (no perspective / preserve-3d: Safari clips 3D layers while the page scrolls).
     --z = current depth; projected with a 1000px perspective: scale = 1000 / (1000 - z), and the offset is
     scaled so each card starts exactly at --x / --y and then flies outward as it approaches. */
  --z: calc(var(--zn) + var(--p) * var(--travel));
  z-index: calc(var(--zn) + 2000);               /* nearer cards on top */
  transform: translate(-50%, -50%)
             translate(calc(var(--x) * (1000 - var(--zn)) / (1000 - var(--z))), calc(var(--y) * (1000 - var(--zn)) / (1000 - var(--z))))
             scale(calc(1000 / (1000 - var(--z))));
  /* fade out as a card nears the viewer (fully gone at 2× size) */
  /* fade out as a card nears the viewer; and every card fades out over the last 20% of the pinned scroll,
     so none is left half-visible (cut off) when the next section scrolls in */
  opacity: clamp(0, min((500 - var(--z)) / 300, (1 - var(--p)) / .2), 1);
  will-change: transform, opacity;
}
.tc-card__text { margin: 0 0 var(--space-4); }
.tc-card__text p { margin: 0; font-size: 15.5px; line-height: 1.6; color: #334155; }
.tc-card__author { display: flex; align-items: center; gap: var(--space-3); }
.tc-card__avatar {
  display: grid;
  place-items: center;
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--color-primary);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 600;
}
.tc-card:nth-child(3n+1) .tc-card__avatar { background: var(--color-accent-dark); }
.tc-card__name { display: block; font-family: var(--font-heading); font-size: 14.5px; font-weight: 700; font-style: normal; color: var(--color-primary); }
.tc-card__role { display: block; font-size: 12.5px; color: #4E5D72; }
.tc-card[role="button"] { cursor: pointer; transition: border-color .2s, box-shadow .2s; }   /* no transform here: the 3D flight owns it */
.tc-card[role="button"]:hover { border-color: var(--color-accent); box-shadow: 0 14px 36px rgba(1,51,100,.16); }
.tc-card:focus-visible { outline: 3px solid var(--color-accent); outline-offset: 3px; }

/* Testimonial popup (built by initTestimonialPopup in main.js); close button shares the team popup styles */
.tc-modal {
  width: min(calc(100vw - 72px), 640px);
  max-height: 90vh;
  padding: 0;
  border: 0;
  border-radius: var(--radius-lg);
  background: var(--color-white);
  color: var(--color-text);
  box-shadow: var(--shadow-lg);
  overflow: visible;
}
.tc-modal::backdrop { background: rgba(6,26,46,.75); backdrop-filter: blur(3px); }
.tc-modal[open] { animation: tc-pop .35s var(--ease); }
@keyframes tc-pop { from { opacity: 0; transform: scale(.85); } }
.tc-modal__body { max-height: 90vh; overflow-y: auto; overscroll-behavior: contain; padding: clamp(28px, 5vw, 48px); border-radius: inherit; }
.tc-modal__body::before { content: "\201C"; display: block; height: .55em; font-family: Georgia, serif; font-size: 88px; line-height: 1; color: var(--color-accent); }
.tc-modal .tc-card__text { margin-bottom: var(--space-6); }
.tc-modal .tc-card__text p { font-size: clamp(18px, 1rem + .6vw, 22px); line-height: 1.6; }
.tc-modal .tc-card__avatar { width: 52px; height: 52px; font-size: 17px; }
.tc-modal__body--alt .tc-card__avatar { background: var(--color-accent-dark); }
.tc-modal .tc-card__name { font-size: 17px; }
.tc-modal .tc-card__role { font-size: 14px; }
@media (prefers-reduced-motion: reduce) { .tc-modal[open] { animation: none; } }

/* Static layouts: phones and reduced motion get readable cards without the 3D flight */
@media (max-width: 767px), (prefers-reduced-motion: reduce) {
  .tc { height: auto; padding-block: var(--section-pad); }
  .tc__sticky { position: static; height: auto; overflow: visible; perspective: none; }
  .tc__head { position: static; width: auto; max-width: 760px; margin: 0 auto var(--space-6); padding-inline: var(--gutter); transform: none; }
  .tc__cloud { position: static; transform: none; }
  .tc-card { position: static; width: auto; transform: none; opacity: 1; will-change: auto; }
}
/* Phones: swipeable row */
@media (max-width: 767px) {
  .tc__cloud { display: flex; gap: var(--space-4); padding: var(--space-2) var(--gutter) var(--space-5); overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: thin; }
  .tc-card { flex: 0 0 82%; scroll-snap-align: center; }
}
/* Reduced motion on larger screens: plain grid */
@media (min-width: 768px) and (prefers-reduced-motion: reduce) {
  .tc__cloud { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: var(--space-5); max-width: var(--container); margin: 0 auto; padding-inline: var(--gutter); }
}
/* No JS on larger screens: same plain grid */
@media (min-width: 768px) {
  .no-js .tc { height: auto; padding-block: var(--section-pad); }
  .no-js .tc__sticky { position: static; height: auto; overflow: visible; perspective: none; }
  .no-js .tc__head { position: static; width: auto; max-width: 760px; margin: 0 auto var(--space-6); transform: none; }
  .no-js .tc__cloud { position: static; display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: var(--space-5); max-width: var(--container); margin: 0 auto; padding-inline: var(--gutter); transform: none; }
  .no-js .tc-card { position: static; width: auto; transform: none; opacity: 1; }
}

/* --- Awards gallery + lightbox --- */
.award { margin: 0; }
@media (max-width: 767px) {
  .awards-grid { grid-template-columns: repeat(2, 1fr); gap: var(--space-5) var(--space-4); }
  .award figcaption { padding-top: var(--space-2); font-size: var(--fs-sm); }
}
.award__btn {
  display: block;
  width: 100%;
  padding: 0;
  border: 0;
  border-radius: var(--radius-lg);
  background: none;
  overflow: hidden;
  position: relative;
  box-shadow: var(--shadow-sm);
}
.award__btn { background: var(--color-white); }
.award__btn img { width: 100%; aspect-ratio: 3 / 4; object-fit: contain; transition: transform .6s var(--ease); }   /* portrait award posters, shown whole */
.award__btn::after {
  content: "View";
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  background: rgba(1,51,100,.55);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-weight: 600;
  opacity: 0;
  transition: opacity var(--t) var(--ease);
}
.award__btn:hover img, .award__btn:focus-visible img { transform: scale(1.06); }
.award__btn:hover::after, .award__btn:focus-visible::after { opacity: 1; }
.award figcaption { padding: var(--space-4) var(--space-1) 0; }
.award__name { display: block; font-family: var(--font-heading); font-weight: 600; color: var(--color-primary); }
.award__meta { display: block; font-size: var(--fs-sm); color: var(--color-muted); }

.lightbox {
  width: min(92vw, 960px);
  max-height: 92vh;
  padding: 0;
  border: 0;
  border-radius: var(--radius-lg);
  background: var(--color-white);
  overflow: visible;
}
.lightbox::backdrop { background: rgba(6,26,46,.88); }
.lightbox img { width: 100%; max-height: 72vh; object-fit: contain; border-radius: var(--radius-lg) var(--radius-lg) 0 0; background: var(--color-primary-dark); }
.lightbox__caption { padding: var(--space-4) var(--space-5); }
.lightbox__close, .lightbox__prev, .lightbox__next {
  position: absolute;
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border: 0;
  border-radius: 50%;
  background: var(--color-white);
  color: var(--color-primary);
  box-shadow: var(--shadow);
}
.lightbox__close { top: -18px; right: -12px; }
.lightbox__prev, .lightbox__next { top: 36%; }
.lightbox__prev { left: -14px; }
.lightbox__next { right: -14px; }
.lightbox__close:hover, .lightbox__prev:hover, .lightbox__next:hover { background: var(--color-accent); }
@media (min-width: 1024px) { .lightbox__prev { left: -64px; } .lightbox__next { right: -64px; } }

/* --- Contact --- */
.contact__grid { display: grid; gap: var(--space-6); }
@media (min-width: 1024px) { .contact__grid { grid-template-columns: 5fr 7fr; gap: var(--space-7); align-items: start; } }
.contact-info { display: grid; gap: var(--space-4); }
.info-card {
  display: flex;
  gap: var(--space-4);
  padding: var(--space-5);
  border-radius: var(--radius-lg);
  background: var(--color-white);
  border: 1px solid var(--color-border);
}
.info-card .icon-circle { width: 48px; height: 48px; margin: 0; font-size: 1.1rem; flex-shrink: 0; }
.info-card h3 { margin-bottom: var(--space-1); font-size: var(--fs-base); }
.info-card p, .info-card address { margin: 0; font-size: var(--fs-sm); }
.info-card a { font-weight: 500; }
.contact-form { padding: var(--space-6) var(--space-5); border-radius: var(--radius-lg); background: var(--color-white); box-shadow: var(--shadow); }
@media (min-width: 768px) { .contact-form { padding: var(--space-7) var(--space-6); } }
.contact-form h3 { font-size: var(--fs-xl); }
.contact-form .btn[aria-busy="true"] { opacity: .75; pointer-events: none; }
.map { margin-top: var(--space-7); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); line-height: 0; }
.map iframe { width: 100%; height: 380px; border: 0; }

/* --- Inner page banner --- */
.page-banner {
  position: relative;
  display: grid;
  align-items: end;
  min-height: 360px;
  padding-block: calc(var(--nav-h) + var(--space-7)) var(--space-7);
  background: var(--color-primary-dark);
  color: var(--color-white);
  overflow: hidden;
  isolation: isolate;
}
@media (min-width: 768px) { .page-banner { min-height: 420px; padding-top: calc(var(--nav-h) + var(--topbar-h) + var(--space-7)); } }
.page-banner__bg { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; animation: ken-burns 18s ease-out both; }
.page-banner::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--gradient-hero); }
.page-banner::after { /* bracket corner */
  content: "";
  position: absolute;
  right: var(--gutter);
  bottom: var(--space-6);
  width: 72px;
  height: 72px;
  border: 4px solid var(--color-accent);
  border-left: 0;
  border-top: 0;
  border-bottom-right-radius: 12px;
  opacity: .8;
}
.page-banner h1 { max-width: 820px; margin-bottom: var(--space-4); color: var(--color-white); font-size: clamp(2rem, 1.4rem + 2.8vw, 3.5rem); text-wrap: balance; }
.page-banner__lead { max-width: 680px; margin-bottom: var(--space-5); font-size: var(--fs-md); color: #E2E8F0; }
.page-banner .breadcrumb { color: #E2E8F0; }

/* --- CTA band (bottom of inner pages) --- */
.cta-band { padding-block: var(--space-8); }
.cta-band__inner { display: grid; gap: var(--space-5); align-items: center; }
@media (min-width: 1024px) { .cta-band__inner { grid-template-columns: 1fr auto; gap: var(--space-7); } }
.cta-band h2 { margin-bottom: var(--space-2); font-size: var(--fs-xl); }
.cta-band p { margin: 0; color: #E2E8F0; }

/* --- Prose (legal pages, articles, long copy) --- */
.prose { max-width: 760px; }
.prose h2 { margin-top: var(--space-7); font-size: var(--fs-xl); }
.prose h2:first-child, .prose .eyebrow + h2 { margin-top: 0; }
.prose h3 { margin-top: var(--space-5); }
.prose ul, .prose ol { margin-bottom: var(--space-5); }
.prose li + li { margin-top: var(--space-2); }
.prose table { width: 100%; margin-bottom: var(--space-5); border-collapse: collapse; font-size: var(--fs-sm); }
.prose th, .prose td { padding: var(--space-3); border: 1px solid var(--color-border); text-align: left; vertical-align: top; }
.prose th { background: var(--color-bg-alt); color: var(--color-primary); font-family: var(--font-heading); }
.table-wrap { overflow-x: auto; }
.prose .notice { margin-block: var(--space-5); }
.updated { font-size: var(--fs-sm); color: var(--color-muted); }

/* Sidebar layout: content + sticky aside */
.with-aside { display: grid; gap: var(--space-7); }
.with-aside > * { min-width: 0; }
@media (min-width: 1024px) { .with-aside { grid-template-columns: minmax(0, 1fr) 320px; gap: var(--space-8); align-items: start; } }
.aside-sticky { display: grid; gap: var(--space-5); }
@media (min-width: 1024px) { .aside-sticky { position: sticky; top: calc(var(--nav-h-scrolled) + var(--space-5)); } }
.aside-card { padding: var(--space-5); border: 1px solid var(--color-border); border-radius: var(--radius-lg); background: var(--color-white); }
.aside-card h2, .aside-card h3 { font-size: var(--fs-md); }
.aside-card--brand { border: 0; background: var(--gradient-brand-text); color: var(--color-white); }
.aside-card--brand :is(h2, h3) { color: var(--color-white); }
.aside-card--brand p { color: #E2E8F0; }
.toc { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--space-2); font-size: var(--fs-sm); }
.toc a { color: var(--color-text); text-decoration: none; }
.toc a:hover { color: var(--color-accent-dark); text-decoration: underline; }

/* --- About: milestones --- */
.milestones { position: relative; list-style: none; margin: 0 auto; padding: 0; max-width: 900px; }
.milestones::before { content: ""; position: absolute; left: 19px; top: 0; bottom: 0; width: 3px; border-radius: 2px; background: var(--color-accent-light); }
@media (min-width: 768px) { .milestones::before { left: 50%; margin-left: -1.5px; } }
.milestone { position: relative; padding: 0 0 var(--space-7) 60px; }
.milestone:last-child { padding-bottom: 0; }
.milestone::before {
  content: "";
  position: absolute;
  left: 8px;
  top: 4px;
  width: 25px;
  height: 25px;
  border: 4px solid var(--color-accent);
  border-radius: 50%;
  background: var(--color-white);
}
@media (min-width: 768px) {
  .milestone { width: 50%; padding: 0 var(--space-7) var(--space-7) 0; text-align: right; }
  .milestone::before { left: auto; right: -12.5px; }
  .milestone:nth-child(even) { margin-left: 50%; padding: 0 0 var(--space-7) var(--space-7); text-align: left; }
  .milestone:nth-child(even)::before { right: auto; left: -12.5px; }
}
.milestone__year { display: inline-block; margin-bottom: var(--space-2); padding: .2rem .8rem; border-radius: var(--radius-pill); background: var(--color-primary); color: var(--color-white); font-family: var(--font-heading); font-weight: 700; font-size: var(--fs-sm); }
.milestone h3 { margin-bottom: var(--space-2); }
.milestone p { margin: 0; color: var(--color-muted); }

/* Mission / vision */
.mv-card { padding: var(--space-7) var(--space-6); border-radius: var(--radius-lg); position: relative; overflow: hidden; }
.mv-card .icon-circle { background: rgba(255,255,255,.12); color: #5EEAD4; }
.mv-card--mission { background: var(--gradient-dark); color: var(--color-on-dark); }
.mv-card--vision { background: var(--gradient-brand-text); color: #E2E8F0; }
.mv-card h3 { color: var(--color-white); font-size: var(--fs-xl); }
.mv-list { margin: 0; }
.mv-list li { color: var(--color-on-dark); }
.mv-list li::before { background-color: rgba(255,255,255,.14); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.2 4.2L19 7' fill='none' stroke='%235EEAD4' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); }

/* Team */
/* Team cards: photo, name, designation; the whole card opens the profile popup */
.team-card { position: relative; text-align: center; }
.team-card__photo { position: relative; margin-bottom: var(--space-4); border-radius: var(--radius-lg); overflow: hidden; background: var(--color-bg-alt); }
.team-card__photo img { width: 100%; aspect-ratio: 6 / 7; object-fit: cover; object-position: top; transition: transform .6s var(--ease); }
.team-card:hover .team-card__photo img { transform: scale(1.05); }
.team-card__name { margin-bottom: var(--space-1); font-size: var(--fs-md); }
.team-card__btn { padding: 0; border: 0; background: none; font: inherit; color: inherit; text-align: inherit; cursor: pointer; }
.team-card__btn::after { content: ""; position: absolute; inset: 0; z-index: 2; }        /* stretch over the whole card */
.team-card__btn:focus-visible { outline: none; }
.team-card:has(.team-card__btn:focus-visible) { outline: 3px solid var(--color-accent); outline-offset: 6px; border-radius: var(--radius-lg); }
.team-card__role { margin: 0; font-size: var(--fs-sm); color: var(--color-accent-dark); }
.team-card__more { display: inline-flex; align-items: center; gap: var(--space-2); margin-top: var(--space-3); font-size: var(--fs-sm); font-weight: 600; color: var(--color-primary); opacity: .75; transition: opacity var(--t-fast) var(--ease); }
.team-card:hover .team-card__more { opacity: 1; }
.team-card__more .icon { transition: transform var(--t) var(--ease); }
.team-card:hover .team-card__more .icon { transform: translateX(4px); }
/* Details live in the card for no-JS; with JS they are only shown in the popup */
.team-card__details { margin-top: var(--space-4); text-align: left; font-size: var(--fs-sm); }
.js .team-card__details { display: none; }
.no-js .team-card__more { display: none; }
.team-card__details h4, .team-modal__details h4 { margin: var(--space-5) 0 var(--space-3); font-size: var(--fs-sm); letter-spacing: .08em; text-transform: uppercase; color: var(--color-accent-dark); }
.team-card__awards { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--space-2); }
.team-card__awards li { position: relative; padding-left: 1.6rem; }
.team-card__awards li::before { content: "★"; position: absolute; left: 0; top: 0; color: var(--color-accent); }

/* Profile popup */
.team-modal {
  width: min(calc(100vw - 72px), 920px);   /* room on each side for the half-outside close button */
  max-height: 90vh;
  padding: 0;
  border: 0;
  border-radius: var(--radius-lg);
  background: var(--color-white);
  color: var(--color-text);
  box-shadow: var(--shadow-lg);
  overflow: visible;         /* the dialog never scrolls or clips: the close button can sit half outside its corner */
}
.team-modal::backdrop { background: rgba(6,26,46,.75); backdrop-filter: blur(3px); }
.team-modal[open] { animation: modal-in .35s var(--ease); }
@keyframes modal-in { from { opacity: 0; transform: translateY(16px) scale(.98); } }
.team-modal__grid { display: flex; flex-direction: column; max-height: 90vh; overflow: hidden; border-radius: inherit; }   /* clipped to the rounded corners; only the text column scrolls */
@media (min-width: 768px) { .team-modal__grid { flex-direction: row; } }
.team-modal__photo { background: var(--color-bg-alt); }
.team-modal__photo { position: relative; flex: 0 0 260px; }                     /* phone: fixed photo strip on top */
@media (min-width: 768px) { .team-modal__photo { flex: 0 0 40%; min-height: 420px; } }   /* desktop: fixed photo column */
.team-modal__photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: top; }

.team-modal__body { flex: 1 1 auto; min-height: 0; overflow-y: auto; overscroll-behavior: contain; padding: var(--space-6) var(--space-6) var(--space-7); }
.team-modal__name { margin-bottom: var(--space-1); padding-right: var(--space-7); font-size: var(--fs-xl); }
.team-modal__role { margin: 0 0 var(--space-4); font-weight: 600; color: var(--color-accent-dark); }
.team-modal__details .team-card__bio { color: var(--color-text); }
.team-modal__details .tick-list { margin-bottom: 0; }
.team-modal__close {
  position: absolute; top: -21px; right: -21px; z-index: 2;   /* centred on the corner: half inside, half outside */
  display: grid; place-items: center;
  width: 42px; height: 42px;
  border: 0; border-radius: 50%;
  background: var(--color-white); color: var(--color-primary);
  box-shadow: 0 6px 20px rgba(6,26,46,.35);
}
.team-modal__close:hover { background: var(--color-accent); }

/* Office cards */
.office-card { padding: 0; overflow: hidden; }
.office-card__body { padding: var(--space-6); }
.office-card h3 { font-size: var(--fs-lg); }
.office-card .tick-list { margin-bottom: var(--space-4); }
.office-card iframe { display: block; width: 100%; height: 260px; border: 0; }
.office-card .btn-group { margin-top: var(--space-5); }

/* Regulatory details list */
.reg-list { display: grid; gap: var(--space-3); margin: 0; }
@media (min-width: 768px) { .reg-list { grid-template-columns: repeat(2, 1fr); } }
.reg-list > div { padding: var(--space-4) var(--space-5); border: 1px solid var(--color-border); border-radius: var(--radius); background: var(--color-white); }
.reg-list dt { font-size: var(--fs-xs); font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--color-muted); }
.reg-list dd { margin: var(--space-1) 0 0; font-family: var(--font-heading); font-weight: 600; color: var(--color-primary); }

/* --- Service detail --- */
.benefits { display: grid; gap: var(--space-5); list-style: none; margin: 0; padding: 0; }
@media (min-width: 768px) { .benefits { grid-template-columns: repeat(2, 1fr); } }
.benefit { display: flex; gap: var(--space-4); padding: var(--space-5); border: 1px solid var(--color-border); border-radius: var(--radius-lg); background: var(--color-white); transition: box-shadow var(--t) var(--ease), transform var(--t) var(--ease); }
.benefit:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.benefit .icon-circle { width: 52px; height: 52px; margin: 0; font-size: 1.2rem; flex-shrink: 0; }
.benefit h3 { margin-bottom: var(--space-1); font-size: var(--fs-md); }
.benefit p { margin: 0; color: var(--color-muted); font-size: var(--fs-sm); }

.audience { display: grid; gap: var(--space-4); list-style: none; margin: 0; padding: 0; }
@media (min-width: 576px) { .audience { grid-template-columns: repeat(2, 1fr); } }
.audience li { display: flex; gap: var(--space-3); align-items: flex-start; padding: var(--space-4) var(--space-5); border-radius: var(--radius); background: var(--color-white); box-shadow: var(--shadow-sm); }
.audience .icon { margin-top: .3em; color: var(--color-accent-dark); }

/* --- "Solutions For" audience pages --- */
.solution-intro { margin-top: var(--space-4); }
.solution-intro p { font-size: var(--fs-md); color: var(--color-text); }
.needs-grid { display: grid; gap: var(--space-5); }
@media (min-width: 1024px) { .needs-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.needs-col { padding: var(--space-5); border: 1px solid var(--color-border); border-radius: var(--radius-lg); background: linear-gradient(160deg, var(--color-accent-light) 0%, var(--color-white) 30%); box-shadow: var(--shadow-sm); }
.needs-col__title { display: flex; align-items: center; gap: var(--space-3); margin-bottom: var(--space-4); font-size: var(--fs-lg); }
.needs-col__icon { display: grid; place-items: center; flex-shrink: 0; width: 44px; height: 44px; border-radius: 50%; background: var(--color-white); color: var(--color-accent-dark); box-shadow: 0 6px 18px rgba(0,122,119,.12); }
.needs-list { display: grid; gap: var(--space-4); margin: 0; padding: 0; list-style: none; }
.need { padding-top: var(--space-4); border-top: 1px solid var(--color-border); }
.need:first-child { padding-top: 0; border-top: 0; }
.need h4 { margin: 0 0 var(--space-1); font-size: var(--fs-base); }
.need p { margin: 0 0 var(--space-2); font-size: var(--fs-sm); color: var(--color-muted); }
.need .link-arrow { padding-top: 0; font-size: var(--fs-sm); }
.solution-others__title { font-size: var(--fs-lg); margin-bottom: var(--space-4); }
.solution-others { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--space-2); margin: 0; padding: 0; list-style: none; }
.solution-others a { display: inline-flex; min-height: 40px; align-items: center; padding: .4rem 1rem; border: 1.5px solid var(--color-border); border-radius: var(--radius-pill); color: var(--color-primary); font-weight: 600; font-size: var(--fs-sm); text-decoration: none; }
.solution-others a:hover { border-color: var(--color-accent); background: var(--color-accent-light); }

/* Service pages: "Why do I need it?" risk list */
.why-risks { max-width: 860px; margin: 0 auto var(--space-7); padding: var(--space-5) var(--space-6); border-left: 4px solid #D97706; border-radius: var(--radius); background: #FFF6E5; }
.why-risks h3 { margin-bottom: var(--space-3); font-size: var(--fs-md); color: #78350F; }
.why-risks__list { display: grid; gap: var(--space-2) var(--space-6); margin: 0; padding: 0; list-style: none; }
@media (min-width: 768px) { .why-risks__list { grid-template-columns: 1fr 1fr; } }
.why-risks__list li { position: relative; padding-left: 1.5rem; color: #78350F; }
.why-risks__list li::before { content: "!"; position: absolute; left: 0; top: .15em; display: grid; place-items: center; width: 1.05rem; height: 1.05rem; border-radius: 50%; background: #D97706; color: #fff; font-size: .7rem; font-weight: 800; }
.why-benefits__title { margin-bottom: var(--space-5); text-align: center; font-size: var(--fs-lg); }
.how-intro { max-width: 860px; margin: 0 auto var(--space-7); text-align: center; }
.how-intro p { color: var(--color-text); }

/* Service pages: "What should I do next?" three actions */
.next-steps { text-align: center; }
.next-steps h2 { margin-bottom: var(--space-2); font-size: var(--fs-2xl); }
.next-steps > .container > p { margin: 0 auto var(--space-6); color: #E2E8F0; }
.next-steps__grid { display: grid; gap: var(--space-4); max-width: 1000px; margin: 0 auto; padding: 0; list-style: none; }
@media (min-width: 768px) { .next-steps__grid { grid-template-columns: repeat(3, 1fr); } }
.next-step {
  display: grid; justify-items: center; gap: var(--space-2); height: 100%;
  padding: var(--space-5) var(--space-4);
  border: 1px solid rgba(255,255,255,.25); border-radius: var(--radius-lg);
  background: rgba(255,255,255,.08);
  color: var(--color-white) !important; text-decoration: none;
  transition: background-color var(--t) var(--ease), transform var(--t) var(--ease), border-color var(--t) var(--ease);
}
.next-step .icon { font-size: 1.6rem; color: #5EEAD4; }
.next-step strong { font-family: var(--font-heading); font-size: var(--fs-md); }
.next-step span { font-size: var(--fs-sm); color: #E2E8F0; }
.next-step:hover { transform: translateY(-4px); background: var(--color-accent); border-color: var(--color-accent); color: var(--color-primary) !important; }
.next-step:hover .icon, .next-step:hover span { color: var(--color-primary); }

.stat-callout { display: grid; gap: var(--space-4); align-items: center; padding: var(--space-6); border-radius: var(--radius-lg); background: var(--color-bg-tint); }
@media (min-width: 768px) { .stat-callout { grid-template-columns: auto 1fr; gap: var(--space-6); } }
.stat-callout__num { font-family: var(--font-heading); font-size: clamp(2.5rem, 2rem + 2vw, 3.5rem); font-weight: 700; line-height: 1; color: var(--color-primary); }
.stat-callout p { margin: 0; color: var(--color-primary); }

.service-nav { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--space-1); }
.service-nav a { display: flex; justify-content: space-between; align-items: center; padding: var(--space-3) var(--space-4); border-radius: var(--radius-sm); color: var(--color-primary); font-weight: 500; text-decoration: none; }
.service-nav a:hover { background: var(--color-accent-light); }
.service-nav a[aria-current="page"] { background: var(--color-primary); color: var(--color-white); }

/* Services overview: wide feature row */
.service-row { display: grid; gap: var(--space-6); align-items: center; }
@media (min-width: 1024px) { .service-row { grid-template-columns: 1fr 1fr; gap: var(--space-8); } }
.service-row img { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; }

/* --- Downloads --- */
.download-card { align-items: flex-start; }
.download-card__logo { display: grid; place-items: center; width: 100%; height: 96px; margin-bottom: var(--space-5); border-radius: var(--radius); background: var(--color-bg-alt); }
.download-card__logo img { max-height: 64px; width: auto; }
.download-card ul { list-style: none; margin: 0 0 var(--space-4); padding: 0; display: grid; gap: var(--space-2); font-size: var(--fs-sm); color: var(--color-muted); }
.download-card li { display: flex; align-items: center; gap: var(--space-2); }
.download-card li .icon { color: var(--color-accent-dark); }
.download-card .btn { margin-top: auto; }

/* --- Pay online --- */
.pay-card { padding: var(--space-6); }
.pay-card h3 { font-size: var(--fs-lg); }
.pay-card__head { display: flex; align-items: center; gap: var(--space-4); margin-bottom: var(--space-4); }
.pay-card__head .icon-circle { margin: 0; }
.pay-card__head h3 { margin: 0; }
.qr { display: grid; place-items: center; width: 200px; aspect-ratio: 1; margin: var(--space-4) 0; padding: var(--space-3); border: 2px dashed var(--color-border); border-radius: var(--radius); background: var(--color-bg-alt); color: var(--color-muted); text-align: center; font-size: var(--fs-sm); }
.fraud-notice { padding: var(--space-6); border: 2px solid #D97706; border-radius: var(--radius-lg); background: #FFF6E5; color: #78350F; }
.fraud-notice h2 { display: flex; align-items: center; gap: var(--space-3); color: #78350F; font-size: var(--fs-xl); }
.fraud-notice .icon { color: #B45309; }
.fraud-notice p { font-size: var(--fs-md); }
.fraud-notice a { color: #78350F; font-weight: 700; }

/* --- Calculators --- */
.calc-tabs { display: flex; gap: var(--space-2); margin-bottom: var(--space-6); overflow-x: auto; padding-bottom: var(--space-1); }
.calc-tab {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  min-height: 48px;
  padding: .6rem 1.2rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-pill);
  background: var(--color-white);
  color: var(--color-primary);
  font-family: var(--font-heading);
  font-size: var(--fs-sm);
  font-weight: 600;
}
.calc-tab:hover { border-color: var(--color-accent); }
.calc-tab[aria-selected="true"] { border-color: var(--color-primary); background: var(--color-primary); color: var(--color-white); }
.calc { display: grid; gap: var(--space-6); }
@media (min-width: 1024px) { .calc { grid-template-columns: 7fr 5fr; align-items: start; } }
.calc__inputs { display: grid; gap: var(--space-5); align-content: start; padding: var(--space-6); border-radius: var(--radius-lg); background: var(--color-white); box-shadow: var(--shadow); }
.calc__inputs h2 { font-size: var(--fs-xl); margin-bottom: 0; }
.range-field { display: grid; gap: var(--space-2); }
.range-field__top { display: flex; justify-content: space-between; align-items: center; gap: var(--space-3); }
.range-field label { font-family: var(--font-heading); font-size: var(--fs-sm); font-weight: 600; color: var(--color-primary); }
.range-field__value { display: flex; align-items: center; gap: var(--space-1); padding: .2rem .6rem; border-radius: var(--radius-sm); background: var(--color-accent-light); color: var(--color-accent-dark); font-weight: 600; font-size: var(--fs-sm); }
.range-field__value input { width: 7.5ch; padding: 0; border: 0; background: none; color: inherit; font-weight: 600; text-align: right; -moz-appearance: textfield; }
.range-field__value input::-webkit-outer-spin-button, .range-field__value input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.range-field__value input:focus { outline: none; }
.range-field__value:focus-within { outline: 2px solid var(--color-accent); }
.range {
  --pct: 50%;
  width: 100%;
  height: 28px;
  margin: 0;
  background: transparent;
  -webkit-appearance: none;
  appearance: none;
  cursor: pointer;
}
.range::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; background: linear-gradient(90deg, var(--color-accent) var(--pct), var(--color-border) var(--pct)); }
.range::-moz-range-track { height: 6px; border-radius: 3px; background: var(--color-border); }
.range::-moz-range-progress { height: 6px; border-radius: 3px; background: var(--color-accent); }
.range::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; margin-top: -9px; border: 4px solid var(--color-white); border-radius: 50%; background: var(--color-primary); box-shadow: 0 2px 8px rgba(1,51,100,.3); }
.range::-moz-range-thumb { width: 18px; height: 18px; border: 4px solid var(--color-white); border-radius: 50%; background: var(--color-primary); box-shadow: 0 2px 8px rgba(1,51,100,.3); }
.range:focus-visible { outline: none; }
.range:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 4px rgba(0,172,168,.45); }
.range:focus-visible::-moz-range-thumb { box-shadow: 0 0 0 4px rgba(0,172,168,.45); }
.range-field__hint { font-size: var(--fs-xs); color: var(--color-muted); }

.calc__result { display: grid; gap: var(--space-5); align-content: start; padding: var(--space-6); border-radius: var(--radius-lg); background: var(--gradient-dark); color: var(--color-on-dark); }
.calc__headline { margin: 0; font-size: var(--fs-sm); text-transform: uppercase; letter-spacing: .08em; color: #5EEAD4; }
.calc__big { margin: 0; font-family: var(--font-heading); font-size: clamp(2rem, 1.5rem + 2vw, 2.75rem); font-weight: 700; line-height: 1.1; color: var(--color-white); font-variant-numeric: tabular-nums; }
.calc__rows { display: grid; gap: var(--space-2); margin: 0; }
.calc__rows > div { display: flex; justify-content: space-between; gap: var(--space-4); padding: var(--space-2) 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.calc__rows dt { font-size: var(--fs-sm); }
.calc__rows dd { margin: 0; font-weight: 600; color: var(--color-white); font-variant-numeric: tabular-nums; }
.calc__chart { position: relative; max-width: 240px; margin-inline: auto; }
.calc__legend { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--space-2) var(--space-5); list-style: none; margin: 0; padding: 0; font-size: var(--fs-sm); }
.calc__legend li { display: flex; align-items: center; gap: var(--space-2); }
.calc__swatch { flex-shrink: 0; width: 12px; height: 12px; border-radius: 3px; }
.calc__note { font-size: var(--fs-xs); color: var(--color-on-dark); }
.calc-panel[hidden] { display: none; }

/* Preset chips (e.g. loan type) */
.calc-presets { display: flex; flex-wrap: wrap; align-items: flex-start; gap: var(--space-2); }
.chip {
  min-height: 40px;
  padding: .45rem 1rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-pill);
  background: var(--color-white);
  color: var(--color-primary);
  font-size: var(--fs-sm);
  font-weight: 600;
  transition: border-color var(--t-fast) var(--ease), background-color var(--t-fast) var(--ease);
}
.chip:hover { border-color: var(--color-accent); }
.chip[aria-pressed="true"] { border-color: var(--color-primary); background: var(--color-primary); color: var(--color-white); }

/* Year-by-year schedule */
.calc-schedule { margin-top: var(--space-5); border-radius: var(--radius-lg); background: var(--color-white); box-shadow: var(--shadow-sm); }
.calc-schedule summary {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-4) var(--space-5);
  font-family: var(--font-heading);
  font-weight: 600;
  color: var(--color-primary);
  cursor: pointer;
}
.calc-schedule summary .icon { color: var(--color-accent-dark); }
.calc-schedule[open] summary { border-bottom: 1px solid var(--color-border); }
.calc-schedule .table-wrap { max-height: 420px; overflow: auto; }
.calc-schedule table { width: 100%; border-collapse: collapse; font-size: var(--fs-sm); font-variant-numeric: tabular-nums; }
.calc-schedule th, .calc-schedule td { padding: var(--space-2) var(--space-5); text-align: right; white-space: nowrap; border-bottom: 1px solid var(--color-border); }
.calc-schedule th:first-child { text-align: left; }
.calc-schedule thead th { position: sticky; top: 0; background: var(--color-bg-alt); color: var(--color-primary); font-family: var(--font-heading); }
.calc-schedule tbody th { font-weight: 600; color: var(--color-primary); }

/* Formula block */
.prose .formula { padding: var(--space-4) var(--space-5); border-left: 4px solid var(--color-accent); border-radius: var(--radius); background: var(--color-bg-alt); }
.prose .formula code { font-family: var(--font-heading); font-size: var(--fs-md); color: var(--color-primary); }

/* --- Calculators hub --- */
.calc-search { display: grid; gap: var(--space-2); max-width: 560px; margin: 0 auto var(--space-7); }
.calc-search label { font-family: var(--font-heading); font-weight: 600; color: var(--color-primary); }
.calc-search__count { min-height: 1.5em; margin: 0; font-size: var(--fs-sm); color: var(--color-muted); }
.calc-group + .calc-group { margin-top: var(--space-7); }
.calc-group h2 { display: flex; align-items: center; gap: var(--space-3); font-size: var(--fs-xl); }
.calc-group h2 .icon { color: var(--color-accent-dark); }
.calc-grid { display: grid; gap: var(--space-4); list-style: none; margin: 0; padding: 0; }
@media (min-width: 768px) { .calc-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .calc-grid { grid-template-columns: repeat(3, 1fr); } }
.calc-card[hidden], .calc-group[hidden] { display: none; }
.calc-card a {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  height: 100%;
  padding: var(--space-5);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-white);
  color: var(--color-text);
  text-decoration: none;
  transition: transform var(--t) var(--ease), box-shadow var(--t) var(--ease), border-color var(--t) var(--ease);
}
.calc-card a:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--color-accent); }
.calc-card .icon-circle { width: 52px; height: 52px; margin: 0; font-size: 1.2rem; flex-shrink: 0; }
.calc-card a:hover .icon-circle { background: var(--color-accent); color: var(--color-primary); }
.calc-card__text { display: grid; gap: var(--space-1); flex: 1; }
.calc-card__text strong { font-family: var(--font-heading); color: var(--color-primary); }
.calc-card__text span { font-size: var(--fs-sm); color: var(--color-muted); }
.calc-card__arrow { color: var(--color-accent-dark); transition: transform var(--t) var(--ease); }
.calc-card a:hover .calc-card__arrow { transform: translateX(4px); }

/* --- Blog --- */
.post-card { padding: 0; overflow: hidden; }
.post-card img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
.post-card__body { display: flex; flex-direction: column; flex: 1; padding: var(--space-5) var(--space-6) var(--space-6); }
.post-card__meta { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-bottom: var(--space-3); font-size: var(--fs-xs); color: var(--color-muted); }
.post-card h2, .post-card h3 { font-size: var(--fs-lg); }
.post-card h2 a, .post-card h3 a { color: inherit; text-decoration: none; }
.post-card h2 a::after, .post-card h3 a::after { content: ""; position: absolute; inset: 0; }
.post-card .badge { align-self: flex-start; margin-top: auto; }
.article-hero img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; border-radius: var(--radius-lg); margin-bottom: var(--space-6); }
.article-meta { display: flex; flex-wrap: wrap; gap: var(--space-4); margin-bottom: var(--space-5); font-size: var(--fs-sm); color: #E2E8F0; }

/* --- Blog / Financial Education --- */
.blog-grid { display: grid; gap: var(--space-5); }
@media (min-width: 768px) { .blog-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px; } }
@media (min-width: 1024px) { .blog-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.blog-card {
  position: relative; display: flex; flex-direction: column; overflow: hidden;
  border: 1px solid var(--color-border); border-radius: 20px; background: var(--color-white);
  box-shadow: 0 10px 30px rgba(1,51,100,.07);
  transition: transform var(--t) var(--ease), box-shadow var(--t) var(--ease), border-color var(--t) var(--ease);
}
.blog-card:hover, .blog-card:focus-within { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(1,51,100,.13); border-color: var(--color-accent); }
.blog-card[hidden] { display: none; }
.blog-card__body { display: flex; flex-direction: column; flex: 1; padding: var(--space-5) var(--space-5) var(--space-5); }
.blog-card__cat { margin-bottom: var(--space-2); font-family: var(--font-heading); font-size: var(--fs-xs); font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--color-accent-dark); }
.blog-card__title { margin: 0 0 var(--space-3); font-size: var(--fs-lg); line-height: 1.3; }
.blog-card__title a { color: var(--color-primary); text-decoration: none; }
.blog-card__title a::after { content: ""; position: absolute; inset: 0; z-index: 1; }   /* whole card is the link */
.blog-card__title a:focus-visible { outline: none; }
.blog-card:has(.blog-card__title a:focus-visible) { outline: 3px solid var(--color-accent); outline-offset: 3px; }
.blog-card__excerpt { margin: 0 0 var(--space-4); color: var(--color-muted); font-size: var(--fs-sm); line-height: 1.65; }
.blog-card__meta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: var(--space-2); margin-top: auto; padding-top: var(--space-4); border-top: 1px solid var(--color-border); font-size: var(--fs-xs); color: var(--color-muted); }
.blog-card__more { display: inline-flex; align-items: center; gap: var(--space-2); font-family: var(--font-heading); font-weight: 700; font-size: var(--fs-sm); color: var(--color-primary); }
.blog-card__more .icon { transition: transform var(--t) var(--ease); }
.blog-card:hover .blog-card__more { color: var(--color-accent-dark); }
.blog-card:hover .blog-card__more .icon { transform: translateX(4px); }

/* Category illustrations: brand gradient + soft rings + the category icon (no image files) */
.blog-media { position: relative; display: grid; place-items: center; aspect-ratio: 16 / 7; overflow: hidden; background: var(--gradient-brand-text); }
.blog-media::before, .blog-media::after { content: ""; position: absolute; border-radius: 50%; border: 2px solid rgba(255,255,255,.12); }
.blog-media::before { width: 70%; aspect-ratio: 1; right: -18%; top: -40%; }
.blog-media::after { width: 40%; aspect-ratio: 1; left: -10%; bottom: -30%; background: rgba(255,255,255,.05); }
.blog-media__icon { position: relative; z-index: 1; display: grid; place-items: center; width: 76px; height: 76px; border-radius: 50%; background: rgba(255,255,255,.14); color: #5EEAD4; font-size: 2rem; box-shadow: 0 0 0 10px rgba(255,255,255,.06); transition: transform var(--t) var(--ease); }
.blog-card:hover .blog-media__icon { transform: scale(1.08) rotate(-6deg); }
.blog-media--investments { background: linear-gradient(135deg, #0B5C77 0%, #007A77 100%); }
.blog-media--retirement { background: linear-gradient(135deg, #013364 0%, #1B4F8A 100%); }
.blog-media--tax { background: linear-gradient(135deg, #0A2540 0%, #0B5C77 100%); }
.blog-media--family-planning { background: linear-gradient(135deg, #1B4F8A 0%, #007A77 100%); }
.blog-media--big { aspect-ratio: 16 / 6; margin-bottom: var(--space-6); border-radius: var(--radius-lg); }
.blog-media--big .blog-media__icon { width: 110px; height: 110px; font-size: 3rem; }

/* Filters, search, count */
.blog-filter { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--space-2); margin-bottom: var(--space-6); }
.blog-filter .chip { display: inline-flex; align-items: center; gap: var(--space-2); }
.blog-filter .chip .icon { color: var(--color-accent-dark); }
.blog-filter .chip[aria-pressed="true"] .icon { color: #5EEAD4; }
.blog-toolbar { display: grid; gap: var(--space-4); margin-bottom: var(--space-4); }
@media (min-width: 1024px) { .blog-toolbar { grid-template-columns: 1fr 280px; align-items: start; } .blog-toolbar .blog-filter { justify-content: flex-start; margin-bottom: 0; } }
.blog-search { position: relative; }
.blog-search .icon { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--color-muted); pointer-events: none; }
.blog-search .input { padding-left: 2.6rem; border-radius: var(--radius-pill); }
.blog-count { min-height: 1.5em; margin: 0 0 var(--space-4); font-size: var(--fs-sm); color: var(--color-muted); }

/* Article page */
.article-banner__cat { text-decoration: none; }
.article-body h2 { margin-top: var(--space-6); }
.article-body > p:first-of-type { font-size: var(--fs-md); }
.article-notices { display: grid; gap: var(--space-3); margin-top: var(--space-7); }
.article-notices .notice { margin: 0; }

/* --- 404 --- */
.error-page { display: grid; place-items: center; min-height: 70vh; padding-block: var(--space-9); text-align: center; }
.error-page__code { font-family: var(--font-heading); font-size: clamp(6rem, 4rem + 10vw, 11rem); font-weight: 700; line-height: 1; background: var(--gradient-brand); -webkit-background-clip: text; background-clip: text; color: transparent; }
.error-page .btn-group { justify-content: center; }
.error-page .link-list { display: flex; flex-wrap: wrap; justify-content: center; gap: var(--space-2) var(--space-5); list-style: none; margin: var(--space-6) 0 0; padding: 0; }

/* 9. Page-specific styles
   ========================================================================== */

/* 10. Reduced motion
   ========================================================================== */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
    scroll-behavior: auto !important;
  }
  .float-whatsapp::before, .float-whatsapp::after { display: none; }
  .page-loader__inner { animation: none; }
  .scroll-indicator__mouse::after { animation: none; }
  /* Static, wrapped partner logos instead of the marquee */
  .marquee { -webkit-mask-image: none; mask-image: none; }
  .marquee__track { width: auto; animation: none !important; }
  .marquee__list { flex-wrap: wrap; justify-content: center; padding: 0; gap: var(--space-5); }
  .marquee__list[aria-hidden="true"] { display: none; }
}