/* ============================================================
   SAGAR VYAS — FINANCIAL ADVISOR WEBSITE
   styles.css — Light / White Theme
   ============================================================ */

/* ── Google Fonts ── */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:wght@400;600;700;800&display=swap');

/* ── CSS Custom Properties ── */
:root {
  /* Colors — Light Theme */
  --bg-primary:     #FFFFFF;
  --bg-secondary:   #F7F7F5;
  --bg-card:        #FFFFFF;
  --accent-primary: #E8A020;
  --accent-hover:   #D4900A;
  --accent-light:   #FEF3E0;
  --text-primary:   #1A1A1A;
  --text-secondary: #6B6B6B;
  --text-muted:     #9A9A9A;
  --text-dark:      #1A1A1A;
  --success:        #2E7D32;
  --success-bg:     #F1F8F1;
  --border:         #E8E8E4;
  --border-strong:  #D0D0CA;
  --shadow-sm:      0 1px 4px rgba(0,0,0,0.06);
  --shadow-md:      0 4px 16px rgba(0,0,0,0.08);
  --shadow-lg:      0 8px 32px rgba(0,0,0,0.10);

  /* Typography */
  --font-body:    'Inter', sans-serif;
  --font-heading: 'Playfair Display', serif;

  /* Spacing */
  --section-padding: 80px 0;
  --container-max:   1200px;
  --container-pad:   0 24px;

  /* Radius */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  /* Transition */
  --transition: 0.25s ease;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  background-color: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ── Utility ── */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: var(--container-pad);
}

.section { padding: var(--section-padding); }

.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-primary);
  margin-bottom: 10px;
}

.section-title {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  color: var(--text-primary);
  line-height: 1.2;
  margin-bottom: 14px;
}

.section-subtitle {
  font-size: 1rem;
  color: var(--text-secondary);
  max-width: 580px;
  margin-bottom: 48px;
  line-height: 1.75;
}

.text-center { text-align: center; }
.text-center .section-subtitle { margin-left: auto; margin-right: auto; }

/* ── Divider ── */
.divider {
  width: 40px;
  height: 3px;
  background: var(--accent-primary);
  border-radius: 2px;
  margin: 12px 0 32px;
}
.divider-center { margin-left: auto; margin-right: auto; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 26px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 600;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--accent-primary);
  color: #fff;
  border-color: var(--accent-primary);
}
.btn-primary:hover {
  background: var(--accent-hover);
  border-color: var(--accent-hover);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(232,160,32,0.30);
}

.btn-secondary {
  background: transparent;
  color: var(--accent-primary);
  border-color: var(--accent-primary);
}
.btn-secondary:hover {
  background: var(--accent-primary);
  color: #fff;
  transform: translateY(-1px);
}

.btn-sm { padding: 9px 20px; font-size: 0.85rem; }

/* ── Cards ── */
.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

/* ── Horizontal rule ── */
hr { border: none; border-top: 1px solid var(--border); }

/* ============================================================
   NAVIGATION
   ============================================================ */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  padding: 0 24px;
}

.nav-inner {
  max-width: var(--container-max);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 24px;
}

/* Logo */
.nav-logo { display: flex; align-items: center; gap: 11px; flex-shrink: 0; }

.logo-monogram {
  width: 40px; height: 40px;
  background: var(--accent-primary);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.05rem;
  color: #fff;
  flex-shrink: 0;
}

.logo-text-wrap { display: flex; flex-direction: column; line-height: 1.2; }

.logo-name {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-primary);
}

.logo-subtitle {
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--accent-primary);
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  flex: 1;
  justify-content: center;
}

.nav-links a {
  padding: 6px 13px;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: color var(--transition), background var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--accent-primary);
  background: var(--accent-light);
}

.nav-cta { flex-shrink: 0; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: transform var(--transition), opacity var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav */
.mobile-nav {
  display: none;
  flex-direction: column;
  background: #fff;
  border-top: 1px solid var(--border);
  padding: 14px 20px 18px;
  gap: 2px;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: color var(--transition), background var(--transition);
}
.mobile-nav a:hover, .mobile-nav a.active {
  color: var(--accent-primary);
  background: var(--accent-light);
}
.mobile-nav .btn { margin-top: 10px; text-align: center; justify-content: center; }

/* ============================================================
   PAGE HERO — SHARED
   ============================================================ */
.page-hero {
  padding: 72px 24px 64px;
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border);
}

.page-hero-inner { max-width: var(--container-max); margin: 0 auto; }

.page-hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(1.9rem, 4.5vw, 3rem);
  color: var(--text-primary);
  margin-bottom: 14px;
  line-height: 1.2;
}

.page-hero p {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 560px;
  line-height: 1.75;
}

/* ============================================================
   HOME — HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 80px 24px 60px;
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border);
}

/* Subtle geometric grid pattern */
.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(232,160,32,0.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(232,160,32,0.06) 1px, transparent 1px);
  background-size: 64px 64px;
}

.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 80% at 80% 50%, rgba(255,255,255,0.85) 0%, transparent 70%);
}

.hero-shapes { position: absolute; inset: 0; pointer-events: none; }

.hero-shape {
  position: absolute;
  border-radius: 50%;
  background: var(--accent-primary);
  opacity: 0.06;
}
.hero-shape-1 { width: 480px; height: 480px; right: -80px; top: -80px; }
.hero-shape-2 { width: 260px; height: 260px; right: 180px; bottom: -40px; }
.hero-shape-3 { width: 120px; height: 120px; left: 4%; bottom: 18%; }

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: var(--container-max);
  margin: 0 auto;
  width: 100%;
  max-width: 680px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: var(--accent-light);
  border: 1px solid rgba(232,160,32,0.3);
  border-radius: 50px;
  padding: 5px 14px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--accent-primary);
  letter-spacing: 0.04em;
  margin-bottom: 22px;
}

.hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 5.5vw, 3.8rem);
  font-weight: 800;
  line-height: 1.12;
  color: var(--text-primary);
  margin-bottom: 18px;
}

.hero h1 span { color: var(--accent-primary); }

.hero-sub {
  font-size: clamp(1rem, 2vw, 1.1rem);
  color: var(--text-secondary);
  max-width: 520px;
  margin-bottom: 32px;
  line-height: 1.8;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 44px;
}

/* Trust badges */
.trust-badges { display: flex; flex-wrap: wrap; gap: 10px; }

.trust-badge {
  display: flex;
  align-items: center;
  gap: 7px;
  background: var(--success-bg);
  border: 1px solid rgba(46,125,50,0.2);
  border-radius: 50px;
  padding: 6px 14px;
  font-size: 0.79rem;
  font-weight: 600;
  color: var(--success);
}
.trust-badge svg { width: 13px; height: 13px; flex-shrink: 0; }

/* ============================================================
   STATS ROW
   ============================================================ */
.stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.stat-item {
  background: #fff;
  padding: 32px 20px;
  text-align: center;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--accent-primary);
  display: block;
  line-height: 1;
  margin-bottom: 6px;
}

.stat-label {
  font-size: 0.85rem;
  color: var(--text-secondary);
  font-weight: 500;
}

/* ============================================================
   WHY CHOOSE
   ============================================================ */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 20px;
}

.why-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.why-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: rgba(232,160,32,0.35);
}

.why-icon {
  width: 48px; height: 48px;
  background: var(--accent-light);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  font-size: 1.4rem;
}

.why-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}
.why-card p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7; }

/* ============================================================
   SERVICES OVERVIEW (HOME)
   ============================================================ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 20px;
}

.service-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px 22px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(232,160,32,0.4);
}

.service-icon {
  font-size: 2rem;
  width: 56px; height: 56px;
  background: var(--accent-light);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
}

.service-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--text-primary); }
.service-card p { font-size: 0.88rem; color: var(--text-secondary); flex: 1; line-height: 1.65; }

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  color: var(--accent-primary);
  font-size: 0.85rem;
  font-weight: 600;
  transition: gap var(--transition);
}
.service-link:hover { gap: 9px; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-it-works { background: var(--bg-secondary); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }

.steps-wrapper {
  display: flex;
  flex-wrap: wrap;
  gap: 0;
  position: relative;
}

.step {
  flex: 1;
  min-width: 150px;
  text-align: center;
  padding: 24px 14px;
  position: relative;
}

.step:not(:last-child)::after {
  content: '→';
  position: absolute;
  right: -10px;
  top: 26px;
  font-size: 1.2rem;
  color: var(--border-strong);
  z-index: 1;
}

.step-number {
  width: 48px; height: 48px;
  background: var(--accent-primary);
  color: #fff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.1rem;
  margin: 0 auto 12px;
}

.step h4 { font-size: 0.88rem; font-weight: 600; color: var(--text-primary); margin-bottom: 5px; }
.step p { font-size: 0.78rem; color: var(--text-secondary); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
}

.testimonial-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.testimonial-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.stars { color: var(--accent-primary); font-size: 0.95rem; margin-bottom: 14px; letter-spacing: 2px; }

.testimonial-text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  font-style: italic;
  line-height: 1.75;
  margin-bottom: 20px;
}

.testimonial-author { display: flex; align-items: center; gap: 12px; }

.author-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--accent-light);
  border: 1px solid rgba(232,160,32,0.3);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--accent-primary);
  font-size: 0.95rem;
  flex-shrink: 0;
}

.author-name { font-weight: 600; font-size: 0.88rem; color: var(--text-primary); }
.author-meta { font-size: 0.76rem; color: var(--text-muted); }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: var(--accent-light);
  border: 1px solid rgba(232,160,32,0.25);
  border-radius: var(--radius-lg);
  padding: 56px 40px;
  text-align: center;
}

.cta-banner h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.7rem, 3.5vw, 2.4rem);
  color: var(--text-primary);
  margin-bottom: 10px;
}

.cta-banner p {
  color: var(--text-secondary);
  font-size: 1rem;
  margin-bottom: 28px;
}

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-bio-wrap {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 48px;
  align-items: start;
}

.about-avatar-block { position: sticky; top: 90px; }

.avatar-circle {
  width: 100px; height: 100px;
  border-radius: 50%;
  background: var(--accent-light);
  border: 2px solid rgba(232,160,32,0.35);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-size: 3.5rem;
  font-weight: 700;
  color: var(--accent-primary);
  margin: 0 auto 20px;
}

.reg-badges { display: flex; flex-direction: column; gap: 10px; }

.reg-badge {
  background: var(--success-bg);
  border: 1px solid rgba(46,125,50,0.18);
  border-left: 3px solid var(--success);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 0.82rem;
  color: var(--text-secondary);
}
.reg-badge strong {
  color: var(--success);
  display: block;
  font-size: 0.74rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 2px;
}

.about-bio-text h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  color: var(--text-primary);
  margin-bottom: 16px;
}
.about-bio-text p { color: var(--text-secondary); margin-bottom: 16px; line-height: 1.85; font-size: 0.97rem; }

.mission-vision-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.mv-card {
  background: #fff;
  border: 1px solid var(--border);
  border-top: 3px solid var(--accent-primary);
  border-radius: var(--radius-md);
  padding: 26px;
}
.mv-card h3 { font-family: var(--font-heading); font-size: 1.15rem; color: var(--text-primary); margin-bottom: 10px; }
.mv-card p { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.75; }

.cert-list { display: flex; flex-direction: column; gap: 12px; }

.cert-item {
  display: flex;
  align-items: center;
  gap: 16px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  box-shadow: var(--shadow-sm);
}

.cert-icon {
  width: 42px; height: 42px;
  background: var(--accent-light);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.cert-info h4 { font-size: 0.92rem; font-weight: 600; color: var(--text-primary); margin-bottom: 3px; }
.cert-info p { font-size: 0.8rem; color: var(--text-secondary); }

.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 18px;
}

.value-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 26px 18px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.value-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.value-icon { font-size: 1.8rem; margin-bottom: 10px; }
.value-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--text-primary); margin-bottom: 7px; }
.value-card p { font-size: 0.84rem; color: var(--text-secondary); line-height: 1.65; }

/* ============================================================
   SERVICES PAGE
   ============================================================ */
.services-section-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 8px;
}

.services-list {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(270px, 1fr));
  gap: 18px;
  margin-bottom: 48px;
}

.service-detail-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.service-detail-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: rgba(232,160,32,0.35);
}

.service-detail-icon { font-size: 1.7rem; margin-bottom: 10px; }
.service-detail-card h4 { font-size: 0.95rem; font-weight: 600; color: var(--text-primary); margin-bottom: 6px; }
.service-detail-card p { font-size: 0.84rem; color: var(--text-secondary); line-height: 1.65; }

/* ============================================================
   MUTUAL FUNDS PAGE
   ============================================================ */
.mf-what-is {
  background: var(--accent-light);
  border: 1px solid rgba(232,160,32,0.25);
  border-left: 4px solid var(--accent-primary);
  border-radius: var(--radius-md);
  padding: 30px;
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.8;
}

.mf-what-is h3 {
  font-family: var(--font-heading);
  font-size: 1.3rem;
  color: var(--text-primary);
  margin-bottom: 12px;
}

/* Tabs */
.tabs-wrapper { margin-bottom: 48px; }

.tab-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 24px;
  border-bottom: 1px solid var(--border);
  padding-bottom: 14px;
}

.tab-btn {
  padding: 8px 18px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  background: #fff;
  color: var(--text-secondary);
  font-family: var(--font-body);
  font-size: 0.86rem;
  font-weight: 500;
  cursor: pointer;
  transition: all var(--transition);
}
.tab-btn.active,
.tab-btn:hover {
  background: var(--accent-primary);
  color: #fff;
  border-color: var(--accent-primary);
}

.tab-panel { display: none; }
.tab-panel.active { display: block; }

.fund-type-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(230px, 1fr));
  gap: 16px;
}

.fund-type-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 18px;
  transition: transform var(--transition), border-color var(--transition), box-shadow var(--transition);
  box-shadow: var(--shadow-sm);
}
.fund-type-card:hover {
  transform: translateY(-2px);
  border-color: rgba(232,160,32,0.4);
  box-shadow: var(--shadow-md);
}

.fund-type-card h4 { font-size: 0.92rem; font-weight: 600; color: var(--text-primary); margin-bottom: 6px; }
.fund-type-card p { font-size: 0.82rem; color: var(--text-secondary); line-height: 1.6; }

/* Goal table */
.goal-table-wrap { overflow-x: auto; margin-bottom: 48px; }

.goal-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}

.goal-table th {
  background: var(--bg-secondary);
  color: var(--text-primary);
  font-weight: 600;
  padding: 13px 16px;
  text-align: left;
  border-bottom: 2px solid var(--border);
  white-space: nowrap;
}

.goal-table td {
  padding: 11px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
}

.goal-table tr:hover td { background: var(--bg-secondary); }

/* SIP Calculator */
.sip-calculator {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  max-width: 680px;
  margin: 0 auto;
  box-shadow: var(--shadow-md);
}

.sip-calculator h3 {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  color: var(--text-primary);
  margin-bottom: 28px;
  text-align: center;
}

.calc-field { margin-bottom: 22px; }

.calc-field label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-primary);
  margin-bottom: 10px;
}

.calc-field label span {
  font-weight: 700;
  color: var(--accent-primary);
  font-size: 0.95rem;
}

.calc-field input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  height: 4px;
  border-radius: 2px;
  background: var(--border);
  outline: none;
}
.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--accent-primary);
  cursor: pointer;
  box-shadow: 0 0 0 3px rgba(232,160,32,0.18);
}

.calc-results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

.calc-result-item { text-align: center; }
.calc-result-value {
  font-family: var(--font-heading);
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--accent-primary);
  display: block;
  margin-bottom: 4px;
}
.calc-result-label { font-size: 0.76rem; color: var(--text-muted); font-weight: 500; }

/* ============================================================
   INSURANCE PAGE
   ============================================================ */
.insurance-category-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.insurance-category-desc { font-size: 0.9rem; color: var(--text-secondary); margin-bottom: 24px; }

.insurance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(230px, 1fr));
  gap: 18px;
  margin-bottom: 48px;
}

.insurance-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 22px 18px;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.insurance-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: rgba(232,160,32,0.35);
}

.ins-icon { font-size: 1.9rem; margin-bottom: 10px; }
.insurance-card h4 { font-size: 0.95rem; font-weight: 600; color: var(--text-primary); margin-bottom: 6px; }
.insurance-card p { font-size: 0.82rem; color: var(--text-secondary); line-height: 1.65; }

/* HLV section */
.hlv-section {
  background: var(--accent-light);
  border: 1px solid rgba(232,160,32,0.22);
  border-radius: var(--radius-lg);
  padding: 36px;
  margin-bottom: 48px;
}
.hlv-section h3 { font-family: var(--font-heading); font-size: 1.4rem; color: var(--text-primary); margin-bottom: 12px; }
.hlv-tips { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 18px; }
.hlv-tip {
  flex: 1; min-width: 210px;
  background: #fff;
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  font-size: 0.86rem;
  color: var(--text-secondary);
  border-left: 3px solid var(--accent-primary);
  box-shadow: var(--shadow-sm);
}
.hlv-tip strong { color: var(--text-primary); display: block; margin-bottom: 4px; font-weight: 600; }

/* Comparison Table */
.comparison-table-wrap { overflow-x: auto; margin-bottom: 48px; }

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.87rem;
}

.comparison-table th {
  background: var(--bg-secondary);
  color: var(--text-primary);
  font-weight: 600;
  padding: 13px 15px;
  text-align: left;
  border-bottom: 2px solid var(--border);
}

.comparison-table td {
  padding: 11px 15px;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
}

.comparison-table tr:hover td { background: var(--bg-secondary); }

.tag-yes { color: var(--success); font-weight: 600; }
.tag-no  { color: #C62828; font-weight: 600; }
.tag-partial { color: var(--accent-primary); font-weight: 600; }

/* Insurance process */
.ins-steps { display: flex; flex-direction: column; }

.ins-step {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}
.ins-step:last-child { border-bottom: none; }

.ins-step-num {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--accent-light);
  border: 2px solid var(--accent-primary);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  color: var(--accent-primary);
  flex-shrink: 0;
  font-size: 0.88rem;
}
.ins-step-content h4 { font-weight: 600; color: var(--text-primary); margin-bottom: 3px; font-size: 0.95rem; }
.ins-step-content p { font-size: 0.86rem; color: var(--text-secondary); }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.contact-form-wrap h2 {
  font-family: var(--font-heading);
  font-size: 1.7rem;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.contact-form-wrap > p { font-size: 0.9rem; color: var(--text-secondary); margin-bottom: 24px; }

.form-group { margin-bottom: 18px; }

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  background: #fff;
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-sm);
  padding: 11px 13px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--text-primary);
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
}

.form-group select option { background: #fff; }

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--accent-primary);
  box-shadow: 0 0 0 3px rgba(232,160,32,0.12);
}

.form-group textarea { resize: vertical; min-height: 100px; }

.form-error { font-size: 0.76rem; color: #C62828; margin-top: 4px; display: none; }
.form-group.has-error input,
.form-group.has-error select,
.form-group.has-error textarea { border-color: #C62828; }
.form-group.has-error .form-error { display: block; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

.contact-info-col { display: flex; flex-direction: column; gap: 16px; }

.contact-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  width: 100%;
}

@media (max-width: 600px) {
  .contact-cards-grid {
    grid-template-columns: 1fr;
  }
}

.contact-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  box-shadow: var(--shadow-sm);
}
.contact-card-icon { font-size: 1.5rem; flex-shrink: 0; }
.contact-card h4 { font-weight: 600; color: var(--text-primary); margin-bottom: 3px; font-size: 0.92rem; }
.contact-card p, .contact-card a { font-size: 0.86rem; color: var(--text-secondary); transition: color var(--transition); }
.contact-card a:hover { color: var(--accent-primary); }

.map-placeholder {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  height: 180px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 8px;
  color: var(--text-muted);
  font-size: 0.86rem;
}

.social-links { display: flex; gap: 10px; flex-wrap: wrap; }

.social-link {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 9px 16px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.84rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
}
.social-link:hover { border-color: var(--accent-primary); color: var(--accent-primary); background: var(--accent-light); }

/* Success Modal */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.35);
  backdrop-filter: blur(4px);
  z-index: 2000;
  align-items: center;
  justify-content: center;
}
.modal-overlay.active { display: flex; }

.modal-box {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 400px;
  width: calc(100% - 40px);
  text-align: center;
  box-shadow: var(--shadow-lg);
  animation: modalIn 0.28s ease;
}

@keyframes modalIn {
  from { opacity: 0; transform: scale(0.94) translateY(8px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}

.modal-icon { font-size: 2.8rem; margin-bottom: 14px; }
.modal-box h3 { font-family: var(--font-heading); font-size: 1.45rem; color: var(--text-primary); margin-bottom: 8px; }
.modal-box p { font-size: 0.88rem; color: var(--text-secondary); margin-bottom: 22px; line-height: 1.7; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border);
  padding: 56px 24px 0;
}

.footer-inner { max-width: var(--container-max); margin: 0 auto; }

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 40px;
  padding-bottom: 36px;
  border-bottom: 1px solid var(--border);
}

.footer-brand .nav-logo { margin-bottom: 12px; }
.footer-brand-tagline { font-size: 0.86rem; color: var(--text-secondary); line-height: 1.7; margin-bottom: 16px; max-width: 260px; }

.footer-reg { display: flex; flex-direction: column; gap: 7px; }

.footer-reg-item {
  font-size: 0.77rem;
  color: var(--text-secondary);
  background: var(--success-bg);
  border: 1px solid rgba(46,125,50,0.18);
  border-radius: var(--radius-sm);
  padding: 6px 10px;
}
.footer-reg-item strong { color: var(--success); }

.footer-col h4 {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--text-primary);
  margin-bottom: 14px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 9px; }
.footer-col ul li a { font-size: 0.86rem; color: var(--text-secondary); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--accent-primary); }

.footer-contact-list { display: flex; flex-direction: column; gap: 10px; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 0.84rem;
  color: var(--text-secondary);
}
.footer-contact-item span:first-child { flex-shrink: 0; margin-top: 1px; }

.footer-bottom {
  padding: 18px 0;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: space-between;
  align-items: flex-start;
}

.footer-disclaimer { font-size: 0.74rem; color: var(--text-muted); line-height: 1.65; max-width: 660px; }
.footer-copyright { font-size: 0.78rem; color: var(--text-secondary); white-space: nowrap; }

/* ============================================================
   FLOATING WHATSAPP
   ============================================================ */
.whatsapp-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  width: 54px; height: 54px;
  background: #25D366;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 16px rgba(37,211,102,0.4);
  transition: transform var(--transition), box-shadow var(--transition);
}
.whatsapp-float:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 24px rgba(37,211,102,0.55);
}
.whatsapp-float svg { width: 28px; height: 28px; fill: #fff; }

/* ============================================================
   SCROLL ANIMATION
   ============================================================ */
.fade-in {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================================
   RISK DISCLAIMER
   ============================================================ */
.risk-disclaimer {
  background: #FFF5F5;
  border: 1px solid rgba(198,40,40,0.15);
  border-left: 3px solid #C62828;
  border-radius: var(--radius-md);
  padding: 18px 22px;
  font-size: 0.82rem;
  color: var(--text-secondary);
  line-height: 1.65;
}
.risk-disclaimer strong { color: #C62828; }

/* ============================================================
   SECTION BG ALT
   ============================================================ */
.bg-alt { background: var(--bg-secondary); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }

/* ============================================================
   ACCORDION
   ============================================================ */
.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 8px;
  overflow: hidden;
}

.accordion-btn {
  width: 100%;
  background: #fff;
  border: none;
  padding: 16px 18px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-primary);
  text-align: left;
  transition: background var(--transition);
}
.accordion-btn:hover { background: var(--bg-secondary); }
.accordion-btn.open { color: var(--accent-primary); background: var(--accent-light); }

.accordion-icon {
  width: 20px; height: 20px;
  border: 1.5px solid currentColor;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.78rem;
  flex-shrink: 0;
  transition: transform var(--transition);
}
.accordion-btn.open .accordion-icon { transform: rotate(45deg); }

.accordion-body { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.accordion-body.open { max-height: 1000px; }

.accordion-body-inner {
  padding: 0 18px 18px;
  border-top: 1px solid var(--border);
  background: #fff;
}

/* ============================================================
   INVESTMENT MODE CARDS
   ============================================================ */
.inv-mode-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(210px, 1fr));
  gap: 16px;
}

.inv-mode-card {
  background: #fff;
  border: 1px solid var(--border);
  border-top: 3px solid var(--accent-primary);
  border-radius: var(--radius-md);
  padding: 20px 16px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.inv-mode-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.inv-mode-card .mode-icon { font-size: 1.9rem; margin-bottom: 10px; }
.inv-mode-card h4 { font-size: 0.92rem; font-weight: 600; color: var(--text-primary); margin-bottom: 5px; }
.inv-mode-card p { font-size: 0.8rem; color: var(--text-secondary); line-height: 1.55; }

/* ============================================================
   RESPONSIVE — TABLET
   ============================================================ */
@media (max-width: 900px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }

  .about-bio-wrap { grid-template-columns: 1fr; }
  .about-avatar-block { position: static; }
  .avatar-circle { width: 130px; height: 130px; font-size: 2.8rem; }

  .mission-vision-grid { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr 1fr; }

  .contact-layout { grid-template-columns: 1fr; }

  .calc-results { grid-template-columns: 1fr; }
}

/* ============================================================
   RESPONSIVE — MOBILE
   ============================================================ */
@media (max-width: 600px) {
  :root { --section-padding: 52px 0; }

  .hero { min-height: auto; padding: 70px 20px 52px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .trust-badges { flex-direction: column; }

  .steps-wrapper { flex-direction: column; }
  .step:not(:last-child)::after {
    content: '↓';
    right: 50%;
    top: auto;
    bottom: -14px;
    transform: translateX(50%);
  }

  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .cta-banner { padding: 32px 20px; }
  .sip-calculator { padding: 22px 16px; }
  .stats-row { grid-template-columns: 1fr 1fr; }
  .calc-results { grid-template-columns: repeat(3,1fr); }
  .hlv-section { padding: 24px 18px; }
}