/* =========================================================
   SWASTIK FINANCIAL — Premium Trust Design System
   Colour: deep navy · emerald/teal · gold · ivory
   ========================================================= */

:root{
  --navy-900:#071528;
  --navy-800:#0a1f3d;
  --navy-700:#0b2545;
  --navy-600:#123561;
  --teal-700:#0c6e5c;
  --teal-600:#0e7c66;
  --teal-500:#14a085;
  --teal-400:#2cc2a3;
  --gold-600:#b8923f;
  --gold-500:#c9a24b;
  --gold-400:#e0bd6a;
  --gold-300:#f0d798;
  --ivory:#f8f6f0;
  --ivory-2:#f1ede3;
  --paper:#ffffff;
  --ink-900:#0d1b2a;
  --ink-700:#26333f;
  --ink-500:#586472;
  --ink-300:#93a0ad;
  --line:#e6e1d5;
  --line-dark:rgba(255,255,255,.12);

  --grad-navy:linear-gradient(135deg,#0a1f3d 0%,#071528 60%,#0c2a4d 100%);
  --grad-teal:linear-gradient(135deg,#0e7c66 0%,#0c6e5c 100%);
  --grad-gold:linear-gradient(135deg,#e0bd6a 0%,#c9a24b 55%,#b8923f 100%);

  --shadow-sm:0 2px 8px rgba(9,20,40,.06);
  --shadow-md:0 14px 40px rgba(9,20,40,.10);
  --shadow-lg:0 30px 70px rgba(9,20,40,.16);
  --shadow-gold:0 12px 34px rgba(201,162,75,.30);

  --radius:18px;
  --radius-lg:26px;
  --radius-sm:12px;

  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Manrope",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;

  --wrap:1200px;
  --ease:cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--sans);
  color:var(--ink-700);
  background:var(--ivory);
  line-height:1.65;
  font-size:17px;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}

h1,h2,h3,h4{font-family:var(--serif);color:var(--navy-800);line-height:1.1;font-weight:600;letter-spacing:-.01em}
.serif{font-family:var(--serif)}

.container{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.container-wide{max-width:1360px;margin:0 auto;padding:0 24px}

/* ---------- Utility ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:9px;
  font-family:var(--sans);font-weight:700;font-size:.72rem;
  letter-spacing:.22em;text-transform:uppercase;color:var(--teal-600);
  margin-bottom:18px;
}
.eyebrow::before{content:"";width:26px;height:1.5px;background:var(--gold-500)}
.eyebrow.light{color:var(--gold-300)}
.eyebrow.center{justify-content:center}

.section{padding:96px 0;position:relative}
.section-sm{padding:64px 0}
.section-head{max-width:720px;margin:0 auto 56px;text-align:center}
.section-head.left{margin-left:0;text-align:left}
.section-head h2{font-size:clamp(2rem,4vw,3.05rem);margin-bottom:18px}
.section-head p{font-size:1.08rem;color:var(--ink-500)}
.lede{font-size:1.18rem;color:var(--ink-500)}

.text-gold{color:var(--gold-600)}
.text-teal{color:var(--teal-600)}
.bg-navy{background:var(--grad-navy);color:#dfe7f0}
.bg-ivory{background:var(--ivory)}
.bg-paper{background:var(--paper)}
.bg-navy h1,.bg-navy h2,.bg-navy h3{color:#fff}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--sans);font-weight:700;font-size:.98rem;
  padding:15px 30px;border-radius:100px;border:1.5px solid transparent;
  cursor:pointer;transition:all .35s var(--ease);white-space:nowrap;
  letter-spacing:.01em;
}
.btn svg{width:18px;height:18px}
.btn-primary{background:var(--grad-teal);color:#fff;box-shadow:0 12px 30px rgba(14,124,102,.32)}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 18px 42px rgba(14,124,102,.42)}
.btn-gold{background:var(--grad-gold);color:var(--navy-800);box-shadow:var(--shadow-gold)}
.btn-gold:hover{transform:translateY(-3px);box-shadow:0 18px 44px rgba(201,162,75,.44)}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1);border-color:#fff}
.btn-outline{background:transparent;border-color:var(--navy-700);color:var(--navy-800)}
.btn-outline:hover{background:var(--navy-800);color:#fff}
.btn-wa{background:#1eb954;color:#fff}
.btn-wa:hover{background:#17a548;transform:translateY(-3px)}
.btn-lg{padding:18px 40px;font-size:1.05rem}
.btn-sm{padding:11px 22px;font-size:.88rem}
.btn-block{width:100%}

/* ---------- Header ---------- */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  transition:all .4s var(--ease);padding:18px 0;
}
.site-header .container-wide{display:flex;align-items:center;justify-content:space-between;gap:24px}
.site-header.scrolled{
  background:rgba(255,255,255,.9);backdrop-filter:blur(18px);
  box-shadow:0 6px 30px rgba(9,20,40,.08);padding:11px 0;
  border-bottom:1px solid var(--line);
}
.brand{display:flex;align-items:center;gap:13px;z-index:2}
.brand img{width:46px;height:46px;border-radius:11px;object-fit:cover;box-shadow:var(--shadow-sm);background:#fff}
.brand-name{display:flex;flex-direction:column;line-height:1.05}
.brand-name b{font-family:var(--serif);font-size:1.28rem;color:#fff;font-weight:600;letter-spacing:-.01em;transition:color .4s}
.brand-name span{font-size:.62rem;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-300);font-weight:700;transition:color .4s}
.scrolled .brand-name b{color:var(--navy-800)}
.scrolled .brand-name span{color:var(--gold-600)}

.nav-links{display:flex;align-items:center;gap:6px}
.nav-links>li>a{
  display:flex;align-items:center;gap:5px;padding:10px 15px;border-radius:10px;
  font-weight:600;font-size:.93rem;color:rgba(255,255,255,.86);transition:all .3s;
}
.scrolled .nav-links>li>a{color:var(--ink-700)}
.nav-links>li>a:hover{color:#fff;background:rgba(255,255,255,.1)}
.scrolled .nav-links>li>a:hover{color:var(--teal-600);background:var(--ivory-2)}
.nav-links>li>a.active{color:var(--gold-300)}
.scrolled .nav-links>li>a.active{color:var(--teal-600)}
.nav-cta{display:flex;align-items:center;gap:10px}
.chev{width:11px;height:11px;opacity:.6}

/* dropdown */
.has-drop{position:relative}
.drop{
  position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(10px);
  background:#fff;border-radius:18px;box-shadow:var(--shadow-lg);padding:14px;
  min-width:520px;opacity:0;visibility:hidden;transition:all .3s var(--ease);
  border:1px solid var(--line);display:grid;grid-template-columns:1fr 1fr;gap:6px;
}
.has-drop:hover .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.drop a{display:flex;gap:13px;padding:12px 14px;border-radius:12px;transition:background .25s;align-items:center}
.drop a:hover{background:var(--ivory)}
.drop .di{width:40px;height:40px;border-radius:10px;flex:0 0 40px;display:grid;place-items:center;background:var(--grad-navy);color:var(--gold-300);font-family:var(--serif);font-weight:600}
.drop .dt{font-weight:700;color:var(--navy-800);font-size:.92rem}
.drop .ds{font-size:.76rem;color:var(--ink-500)}

.menu-toggle{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px;z-index:2}
.menu-toggle span{width:26px;height:2.5px;background:#fff;border-radius:3px;transition:.3s}
.scrolled .menu-toggle span{background:var(--navy-800)}

/* ---------- Hero ---------- */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;overflow:hidden;color:#fff}
.hero-media{position:absolute;inset:0;z-index:0}
.hero-media video,.hero-media img{width:100%;height:100%;object-fit:cover}
.hero-media::after{content:"";position:absolute;inset:0;
  background:linear-gradient(105deg,rgba(7,21,40,.94) 0%,rgba(10,31,61,.82) 42%,rgba(7,21,40,.45) 100%)}
.hero-inner{position:relative;z-index:2;padding:150px 0 90px;max-width:760px}
.hero h1{font-size:clamp(2.6rem,6vw,4.6rem);color:#fff;margin-bottom:24px}
.hero h1 em{font-style:italic;color:var(--gold-300);font-weight:500}
.hero p{font-size:1.25rem;color:rgba(233,240,248,.9);max-width:600px;margin-bottom:36px}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap}
.hero-stats{display:flex;gap:44px;margin-top:64px;flex-wrap:wrap}
.hero-stats .num{font-family:var(--serif);font-size:2.5rem;color:var(--gold-300);line-height:1;font-weight:600}
.hero-stats .lbl{font-size:.82rem;color:rgba(233,240,248,.72);letter-spacing:.04em;margin-top:8px;text-transform:uppercase}
.scroll-hint{position:absolute;bottom:30px;left:50%;transform:translateX(-50%);z-index:2;color:rgba(255,255,255,.6);font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;display:flex;flex-direction:column;align-items:center;gap:10px}
.scroll-hint::after{content:"";width:1px;height:40px;background:linear-gradient(rgba(255,255,255,.6),transparent);animation:scrolldot 2s infinite}
@keyframes scrolldot{0%{opacity:.2}50%{opacity:1}100%{opacity:.2}}

/* page hero (interior) */
.page-hero{position:relative;padding:180px 0 90px;color:#fff;overflow:hidden}
.page-hero .hero-media::after{background:linear-gradient(120deg,rgba(7,21,40,.92),rgba(10,31,61,.78))}
.page-hero .inner{position:relative;z-index:2;max-width:760px}
.page-hero h1{font-size:clamp(2.3rem,5vw,3.8rem);color:#fff;margin-bottom:18px}
.page-hero p{font-size:1.18rem;color:rgba(233,240,248,.88);max-width:600px}
.breadcrumb{display:flex;gap:9px;align-items:center;font-size:.82rem;color:rgba(255,255,255,.7);margin-bottom:22px}
.breadcrumb a:hover{color:var(--gold-300)}
.breadcrumb span{opacity:.5}

/* ---------- Trust bar ---------- */
.trust-bar{background:var(--navy-900);padding:30px 0;border-top:1px solid var(--line-dark)}
.trust-bar .container-wide{display:flex;align-items:center;justify-content:space-between;gap:34px;flex-wrap:wrap}
.trust-bar .tlabel{color:rgba(255,255,255,.5);font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700}
.insurers{display:flex;gap:16px;flex-wrap:wrap}
.insurer-chip{display:flex;flex-direction:column;padding:10px 22px;border:1px solid var(--line-dark);border-radius:12px;background:rgba(255,255,255,.03)}
.insurer-chip b{font-family:var(--serif);color:#fff;font-size:1.05rem;font-weight:600}
.insurer-chip span{font-size:.64rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-400)}

/* ---------- Grids & cards ---------- */
.grid{display:grid;gap:26px}
.g-2{grid-template-columns:repeat(2,1fr)}
.g-3{grid-template-columns:repeat(3,1fr)}
.g-4{grid-template-columns:repeat(4,1fr)}

.card{background:#fff;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow-sm);transition:all .4s var(--ease);overflow:hidden}
.card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:var(--gold-300)}

/* product card */
.product-card{background:#fff;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-sm);border:1px solid var(--line);transition:all .45s var(--ease);display:flex;flex-direction:column}
.product-card:hover{transform:translateY(-10px);box-shadow:var(--shadow-lg)}
.product-card .pc-media{position:relative;aspect-ratio:16/10;overflow:hidden}
.product-card .pc-media img{width:100%;height:100%;object-fit:cover;transition:transform .7s var(--ease)}
.product-card:hover .pc-media img{transform:scale(1.07)}
.product-card .pc-media::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(7,21,40,.55),transparent 55%)}
.pc-insurer{position:absolute;top:14px;left:14px;z-index:2;background:rgba(255,255,255,.92);color:var(--navy-800);font-size:.68rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:6px 13px;border-radius:100px}
.pc-tag{position:absolute;top:14px;right:14px;z-index:2;background:var(--grad-gold);color:var(--navy-800);font-size:.66rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:6px 13px;border-radius:100px}
.pc-body{padding:26px 26px 28px;display:flex;flex-direction:column;flex:1}
.pc-body h3{font-size:1.42rem;margin-bottom:8px}
.pc-body .pc-sub{color:var(--teal-600);font-weight:700;font-size:.86rem;margin-bottom:14px}
.pc-body p{color:var(--ink-500);font-size:.96rem;margin-bottom:18px}
.pc-feats{display:flex;flex-direction:column;gap:9px;margin-bottom:22px}
.pc-feats li{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--ink-700)}
.pc-feats li svg{flex:0 0 17px;width:17px;height:17px;color:var(--teal-500);margin-top:3px}
.pc-foot{margin-top:auto;display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:20px;border-top:1px solid var(--line)}
.pc-foot .price small{display:block;font-size:.68rem;color:var(--ink-300);text-transform:uppercase;letter-spacing:.1em}
.pc-foot .price b{font-family:var(--serif);color:var(--navy-800);font-size:1.15rem}

/* feature / benefit tiles */
.benefit{padding:32px 28px;background:#fff;border-radius:var(--radius);border:1px solid var(--line);transition:all .4s var(--ease);height:100%}
.benefit:hover{transform:translateY(-6px);box-shadow:var(--shadow-md);border-color:var(--teal-400)}
.b-ico{width:56px;height:56px;border-radius:15px;display:grid;place-items:center;background:var(--grad-navy);color:var(--gold-300);margin-bottom:20px}
.b-ico svg{width:26px;height:26px}
.benefit h3{font-size:1.22rem;margin-bottom:10px}
.benefit p{color:var(--ink-500);font-size:.95rem}
.benefit.on-navy{background:rgba(255,255,255,.04);border-color:var(--line-dark)}
.benefit.on-navy h3{color:#fff}
.benefit.on-navy p{color:rgba(223,231,240,.75)}
.benefit.on-navy .b-ico{background:rgba(201,162,75,.14);color:var(--gold-300)}

/* stat strip */
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-md)}
.stat-cell{padding:38px 28px;text-align:center;background:#fff;border-right:1px solid var(--line)}
.stat-cell:last-child{border-right:none}
.stat-cell .sv{font-family:var(--serif);font-size:2.7rem;color:var(--navy-800);line-height:1;font-weight:600}
.stat-cell .sv em{color:var(--gold-600);font-style:normal}
.stat-cell .sl{font-size:.86rem;color:var(--ink-500);margin-top:10px;font-weight:600}

/* split feature */
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split.reverse .split-media{order:2}
.split-media{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg)}
.split-media img,.split-media video{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}
.split-media .float-badge{position:absolute;bottom:22px;left:22px;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-radius:16px;padding:16px 20px;box-shadow:var(--shadow-md);display:flex;align-items:center;gap:14px}
.float-badge .fb-ico{width:44px;height:44px;border-radius:11px;background:var(--grad-teal);display:grid;place-items:center;color:#fff}
.float-badge b{font-family:var(--serif);color:var(--navy-800);font-size:1.3rem;display:block;line-height:1}
.float-badge span{font-size:.76rem;color:var(--ink-500)}
.check-list{margin-top:26px;display:flex;flex-direction:column;gap:14px}
.check-list li{display:flex;gap:13px;align-items:flex-start}
.check-list .ci{flex:0 0 24px;width:24px;height:24px;border-radius:50%;background:rgba(20,160,133,.12);display:grid;place-items:center;color:var(--teal-600);margin-top:2px}
.check-list .ci svg{width:14px;height:14px}
.check-list b{color:var(--navy-800);font-family:var(--sans);font-weight:700}
.check-list p{color:var(--ink-500);font-size:.94rem;margin:0}

/* ---------- Comparison table ---------- */
.table-wrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow-md);border:1px solid var(--line);background:#fff}
table.compare{width:100%;border-collapse:collapse;min-width:760px}
table.compare th,table.compare td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);font-size:.92rem}
table.compare thead th{background:var(--grad-navy);color:#fff;font-family:var(--serif);font-weight:600;font-size:1rem;position:sticky;top:0}
table.compare thead th small{display:block;font-family:var(--sans);font-weight:600;font-size:.68rem;color:var(--gold-300);letter-spacing:.08em;text-transform:uppercase;margin-top:3px}
table.compare tbody th{font-family:var(--sans);font-weight:700;color:var(--navy-800);background:var(--ivory)}
table.compare tbody tr:hover td{background:var(--ivory-2)}
table.compare td svg{width:18px;height:18px;color:var(--teal-500)}
.cell-best{color:var(--teal-600);font-weight:700}
.badge{display:inline-block;padding:3px 10px;border-radius:100px;font-size:.7rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase}
.badge-gold{background:rgba(201,162,75,.15);color:var(--gold-600)}
.badge-teal{background:rgba(20,160,133,.13);color:var(--teal-600)}
.badge-navy{background:rgba(10,31,61,.08);color:var(--navy-700)}

/* ---------- Accordion / FAQ ---------- */
.accordion{max-width:840px;margin:0 auto}
.acc-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:14px;overflow:hidden;transition:box-shadow .3s}
.acc-item.open{box-shadow:var(--shadow-md);border-color:var(--gold-300)}
.acc-q{width:100%;text-align:left;background:none;border:none;cursor:pointer;padding:22px 26px;font-family:var(--sans);font-weight:700;font-size:1.04rem;color:var(--navy-800);display:flex;justify-content:space-between;align-items:center;gap:20px}
.acc-q .pm{flex:0 0 26px;width:26px;height:26px;border-radius:50%;background:var(--ivory-2);display:grid;place-items:center;transition:.35s;color:var(--teal-600)}
.acc-item.open .acc-q .pm{background:var(--grad-teal);color:#fff;transform:rotate(180deg)}
.acc-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease)}
.acc-a-inner{padding:0 26px 24px;color:var(--ink-500);font-size:.97rem}

/* ---------- Forms ---------- */
.lead-panel{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:40px;border:1px solid var(--line)}
.lead-panel.on-navy{background:rgba(255,255,255,.04);border:1px solid var(--line-dark);backdrop-filter:blur(12px)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;font-size:.82rem;color:var(--navy-800);margin-bottom:7px;letter-spacing:.02em}
.on-navy .field label{color:#e9f0f8}
.field input,.field select,.field textarea{
  width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;
  font-family:var(--sans);font-size:.98rem;color:var(--ink-900);background:#fff;transition:.25s;
}
.on-navy .field input,.on-navy .field select,.on-navy .field textarea{background:rgba(255,255,255,.06);border-color:var(--line-dark);color:#fff}
.on-navy .field input::placeholder{color:rgba(255,255,255,.5)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal-500);box-shadow:0 0 0 4px rgba(20,160,133,.12)}
.field-hint{font-size:.78rem;color:var(--ink-300);margin-top:5px}
.form-note{font-size:.8rem;color:var(--ink-500);margin-top:14px;text-align:center}
.on-navy .form-note{color:rgba(223,231,240,.65)}

/* chips / segmented */
.chip-group{display:flex;flex-wrap:wrap;gap:10px}
.chip{padding:11px 20px;border:1.5px solid var(--line);border-radius:100px;font-weight:700;font-size:.9rem;cursor:pointer;transition:.25s;background:#fff;color:var(--ink-700);user-select:none}
.chip:hover{border-color:var(--teal-400)}
.chip.selected{background:var(--grad-teal);color:#fff;border-color:transparent;box-shadow:0 8px 20px rgba(14,124,102,.28)}
.on-navy .chip{background:rgba(255,255,255,.05);border-color:var(--line-dark);color:#e9f0f8}
.on-navy .chip.selected{background:var(--grad-gold);color:var(--navy-800)}

/* ---------- Calculator / tool card ---------- */
.tool-card{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-md);border:1px solid var(--line);overflow:hidden}
.tool-head{padding:30px 34px;background:var(--grad-navy);color:#fff;display:flex;align-items:center;gap:16px}
.tool-head .th-ico{width:52px;height:52px;border-radius:14px;background:rgba(201,162,75,.16);display:grid;place-items:center;color:var(--gold-300)}
.tool-head h3{color:#fff;font-size:1.4rem;margin:0}
.tool-head p{color:rgba(223,231,240,.75);font-size:.9rem;margin:0}
.tool-body{padding:34px}
.range-wrap{margin-bottom:26px}
.range-wrap .rl{display:flex;justify-content:space-between;font-weight:700;color:var(--navy-800);margin-bottom:12px}
.range-wrap .rl b{color:var(--teal-600);font-family:var(--serif);font-size:1.2rem}
input[type=range]{-webkit-appearance:none;width:100%;height:6px;border-radius:100px;background:var(--line);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--grad-teal);cursor:pointer;box-shadow:0 4px 12px rgba(14,124,102,.4);border:3px solid #fff}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--teal-600);cursor:pointer;border:3px solid #fff}
.result-box{margin-top:8px;background:var(--grad-navy);border-radius:var(--radius);padding:30px;text-align:center;color:#fff}
.result-box .rb-label{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-300);font-weight:700}
.result-box .rb-value{font-family:var(--serif);font-size:3rem;margin:8px 0;line-height:1}
.result-box .rb-sub{color:rgba(223,231,240,.75);font-size:.92rem}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden;background:var(--grad-navy);border-radius:var(--radius-lg);padding:66px 56px;text-align:center;color:#fff;box-shadow:var(--shadow-lg)}
.cta-band::before{content:"";position:absolute;top:-60%;right:-10%;width:520px;height:520px;background:radial-gradient(circle,rgba(201,162,75,.22),transparent 65%)}
.cta-band::after{content:"";position:absolute;bottom:-60%;left:-10%;width:520px;height:520px;background:radial-gradient(circle,rgba(20,160,133,.22),transparent 65%)}
.cta-band>*{position:relative;z-index:2}
.cta-band h2{color:#fff;font-size:clamp(2rem,4vw,3rem);margin-bottom:16px}
.cta-band p{color:rgba(233,240,248,.85);font-size:1.15rem;max-width:560px;margin:0 auto 30px}
.cta-actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}

/* ---------- Testimonials ---------- */
.quote-card{background:#fff;border-radius:var(--radius);padding:34px;border:1px solid var(--line);box-shadow:var(--shadow-sm);height:100%;display:flex;flex-direction:column}
.quote-card .stars{color:var(--gold-500);margin-bottom:16px;letter-spacing:3px}
.quote-card p{color:var(--ink-700);font-size:1.02rem;font-style:italic;margin-bottom:22px;flex:1}
.quote-card .qwho{display:flex;align-items:center;gap:13px}
.qwho .av{width:46px;height:46px;border-radius:50%;background:var(--grad-teal);color:#fff;display:grid;place-items:center;font-weight:800;font-family:var(--serif)}
.qwho b{color:var(--navy-800);display:block;font-family:var(--sans)}
.qwho span{font-size:.82rem;color:var(--ink-500)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-900);color:rgba(223,231,240,.7);padding:74px 0 0}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:50px}
.foot-brand .brand{margin-bottom:20px}
.foot-brand .brand-name b{color:#fff}
.foot-brand p{font-size:.92rem;max-width:300px;margin-bottom:20px}
.foot-col h4{color:#fff;font-family:var(--sans);font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:20px;font-weight:800}
.foot-col ul li{margin-bottom:11px}
.foot-col ul a{font-size:.92rem;transition:.25s}
.foot-col ul a:hover{color:var(--gold-300);padding-left:4px}
.foot-contact li{display:flex;gap:12px;margin-bottom:15px;font-size:.92rem;align-items:flex-start}
.foot-contact li svg{flex:0 0 18px;width:18px;height:18px;color:var(--gold-400);margin-top:3px}
.foot-bottom{border-top:1px solid var(--line-dark);padding:24px 0;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.82rem;color:rgba(223,231,240,.5)}
.foot-bottom a:hover{color:var(--gold-300)}
.foot-disclaimer{font-size:.74rem;color:rgba(223,231,240,.38);padding:0 0 30px;line-height:1.6;max-width:100%}

/* ---------- WhatsApp float ---------- */
.wa-float{position:fixed;bottom:26px;right:26px;z-index:900;display:flex;align-items:center;gap:0;background:#1eb954;color:#fff;border-radius:100px;padding:14px;box-shadow:0 12px 34px rgba(30,185,84,.44);transition:all .4s var(--ease);overflow:hidden}
.wa-float svg{width:28px;height:28px;flex:0 0 28px}
.wa-float .wl{max-width:0;overflow:hidden;white-space:nowrap;font-weight:700;transition:max-width .4s var(--ease),margin .4s var(--ease);font-size:.95rem}
.wa-float:hover{transform:translateY(-3px)}
.wa-float:hover .wl{max-width:180px;margin:0 12px 0 10px}

/* ---------- Reveal animations ---------- */
.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}.reveal.d4{transition-delay:.32s}

/* pill tabs */
.pill-tabs{display:inline-flex;gap:6px;background:var(--ivory-2);padding:6px;border-radius:100px;margin-bottom:36px}
.pill-tabs button{border:none;background:none;padding:11px 24px;border-radius:100px;font-family:var(--sans);font-weight:700;font-size:.92rem;color:var(--ink-500);cursor:pointer;transition:.3s}
.pill-tabs button.active{background:#fff;color:var(--navy-800);box-shadow:var(--shadow-sm)}

/* value ribbon */
.value-ribbon{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.vr-item{text-align:center;padding:26px 18px;background:rgba(255,255,255,.05);border:1px solid var(--line-dark);border-radius:var(--radius)}
.vr-item .vv{font-family:var(--serif);font-size:2.1rem;color:var(--gold-300);line-height:1;font-weight:600}
.vr-item .vl{font-size:.82rem;color:rgba(223,231,240,.72);margin-top:8px}

/* lead success */
.lead-success{text-align:center;animation:fadein .4s ease}
.lead-success .ls-title{font-family:var(--serif);font-size:1.25rem;color:var(--navy-800);margin-bottom:18px}
.on-navy .lead-success .ls-title{color:#fff}
.ls-btns{display:flex;flex-direction:column;gap:12px;max-width:340px;margin:0 auto}
@keyframes fadein{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

/* eligibility wizard */
.elig-wizard{max-width:760px;margin:0 auto;background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);border:1px solid var(--line);overflow:hidden}
.elig-progress{display:flex;gap:8px;padding:24px 34px 0}
.elig-dot{flex:1;height:5px;border-radius:100px;background:var(--line);transition:.4s}
.elig-dot.done{background:var(--grad-teal)}
.elig-step{display:none;padding:34px}
.elig-step.active{display:block;animation:fadein .4s ease}
.elig-step .step-n{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--teal-600);font-weight:800;margin-bottom:8px}
.elig-step h3{font-size:1.7rem;margin-bottom:8px}
.elig-step .step-sub{color:var(--ink-500);margin-bottom:26px}
.elig-nav{display:flex;justify-content:space-between;margin-top:30px;gap:12px}
.elig-result{display:none;padding:40px 34px}
.elig-result.active{display:block;animation:fadein .5s ease}
.elig-result-head{text-align:center;max-width:560px;margin:0 auto}
.age-display{font-family:var(--serif);font-size:3rem;color:var(--navy-800);text-align:center;font-weight:600;margin:10px 0}
.age-display em{color:var(--gold-600);font-style:normal}

/* video lightbox teaser */
.play-btn{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);z-index:3;width:74px;height:74px;border-radius:50%;background:rgba(255,255,255,.92);display:grid;place-items:center;cursor:pointer;transition:.3s;box-shadow:var(--shadow-md)}
.play-btn:hover{transform:translate(-50%,-50%) scale(1.08)}
.play-btn svg{width:26px;height:26px;color:var(--teal-600);margin-left:3px}

/* plan variant table small */
.variant-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px}
.variant-card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;transition:.3s;position:relative}
.variant-card:hover{border-color:var(--gold-400);box-shadow:var(--shadow-md)}
.variant-card.featured{border-color:var(--gold-500);box-shadow:var(--shadow-gold)}
.variant-card h4{font-size:1.2rem;margin-bottom:4px}
.variant-card .vprice{color:var(--teal-600);font-weight:700;font-size:.86rem;margin-bottom:14px}
.variant-card ul{display:flex;flex-direction:column;gap:8px;margin-top:12px}
.variant-card ul li{display:flex;gap:8px;font-size:.86rem;align-items:flex-start}
.variant-card ul li svg{flex:0 0 15px;width:15px;height:15px;color:var(--teal-500);margin-top:3px}
.variant-card .vtag{position:absolute;top:-11px;left:24px;background:var(--grad-gold);color:var(--navy-800);font-size:.64rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:4px 12px;border-radius:100px}

/* two-col article */
.prose{max-width:760px;margin:0 auto}
.prose h2{font-size:1.9rem;margin:40px 0 16px}
.prose h3{font-size:1.35rem;margin:30px 0 12px}
.prose p{margin-bottom:16px;color:var(--ink-700)}
.prose ul.bullets{margin:0 0 20px;padding-left:0}
.prose ul.bullets li{position:relative;padding-left:30px;margin-bottom:12px;color:var(--ink-700)}
.prose ul.bullets li::before{content:"";position:absolute;left:0;top:9px;width:16px;height:16px;border-radius:50%;background:rgba(20,160,133,.14);box-shadow:inset 0 0 0 4px var(--teal-500)}

/* misc */
.divider-gold{width:60px;height:3px;background:var(--grad-gold);border-radius:3px;margin:0 auto 26px}
.section-head.left .divider-gold{margin-left:0}
.mt-0{margin-top:0}.mb-0{margin-bottom:0}.tc{text-align:center}
.hl{color:var(--gold-600);font-weight:700}

/* ---------- Responsive ---------- */
@media(max-width:1024px){
  .g-4{grid-template-columns:repeat(2,1fr)}
  .g-3{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr;gap:36px}
  .split.reverse .split-media{order:0}
  .foot-grid{grid-template-columns:1fr 1fr;gap:34px}
  .stat-strip{grid-template-columns:repeat(2,1fr)}
  .stat-cell:nth-child(2){border-right:none}
  .value-ribbon{grid-template-columns:repeat(2,1fr)}
  .drop{min-width:420px}
}
@media(max-width:820px){
  .menu-toggle{display:flex}
  .nav-links{
    position:fixed;top:0;right:-100%;width:min(360px,86vw);height:100vh;
    background:var(--navy-800);flex-direction:column;align-items:stretch;
    padding:100px 26px 40px;gap:4px;transition:right .4s var(--ease);z-index:1;
    box-shadow:-20px 0 60px rgba(0,0,0,.4);overflow-y:auto;
  }
  .nav-links.open{right:0}
  .nav-links>li>a{color:#fff!important;padding:15px;font-size:1.05rem;border-radius:12px}
  .nav-links>li>a:hover{background:rgba(255,255,255,.08)!important}
  .drop{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;background:rgba(255,255,255,.05);min-width:0;grid-template-columns:1fr;margin:6px 0;padding:8px}
  .drop .dt{color:#fff}.drop .ds{color:rgba(255,255,255,.6)}
  .drop a:hover{background:rgba(255,255,255,.08)}
  .nav-cta .btn{display:none}
  .nav-cta .btn.keep{display:inline-flex}
  body.menu-open{overflow:hidden}
  .menu-open .menu-toggle span{background:#fff}
  .menu-open .menu-toggle span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .menu-open .menu-toggle span:nth-child(2){opacity:0}
  .menu-open .menu-toggle span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
}
@media(max-width:640px){
  body{font-size:16px}
  .section{padding:64px 0}
  .g-2,.g-3,.g-4{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .hero-inner{padding:130px 0 70px}
  .hero-stats{gap:28px}
  .hero-stats .num{font-size:2rem}
  .stat-strip{grid-template-columns:1fr}
  .stat-cell{border-right:none}
  .value-ribbon{grid-template-columns:1fr}
  .cta-band{padding:44px 26px}
  .lead-panel{padding:26px}
  .foot-grid{grid-template-columns:1fr}
  .wa-float .wl{display:none}
  .container,.container-wide{padding:0 18px}
}