/* =========================================================
   Nivesh Wealth Partners — stylesheet
   Design tokens + components for the single-page site.
   ========================================================= */

/* ---------- Tokens ---------- */
:root{
  --bg:#FFFFFF;
  --bg-soft:#F5F7FB;
  --surface:#FFFFFF;
  --surface-2:#FBFAF6;
  --ink:#152238;
  --ink-muted:#57637C;
  --ink-faint:#8993A8;
  --navy:#0B2545;
  --navy-2:#12325E;
  --navy-ink:#FFFFFF;
  --navy-ink-muted:#B7C4DC;
  --blue:#2E6FBE;
  --blue-soft:#E9F1FB;
  --gold:#AD7E22;
  --gold-bright:#C99A3A;
  --gold-soft:#F6EDD8;
  --border:#E3E8F0;
  --border-strong:#CBD5E4;
  --danger:#B3413D;
  --danger-soft:#FBEAEA;
  --shadow:0 1px 2px rgba(11,37,69,.06), 0 12px 32px -16px rgba(11,37,69,.18);
  --shadow-lg:0 24px 60px -24px rgba(11,37,69,.35);
  --radius-s:10px;
  --radius-m:16px;
  --radius-l:24px;
  --container:1224px;
  color-scheme:light;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#081A32;
    --bg-soft:#0C2140;
    --surface:#0E2748;
    --surface-2:#0B2038;
    --ink:#EAF0F9;
    --ink-muted:#AEBBD6;
    --ink-faint:#7E8CAA;
    --navy:#050F20;
    --navy-2:#0A1D3C;
    --navy-ink:#FFFFFF;
    --navy-ink-muted:#A9B9D8;
    --blue:#5C97DD;
    --blue-soft:#122A4C;
    --gold:#D9AE55;
    --gold-bright:#EAC876;
    --gold-soft:#2A2110;
    --border:#1C3155;
    --border-strong:#2A4571;
    --danger:#E17A76;
    --danger-soft:#3A1816;
    --shadow:0 1px 2px rgba(0,0,0,.3), 0 12px 32px -16px rgba(0,0,0,.5);
    --shadow-lg:0 24px 60px -24px rgba(0,0,0,.6);
    color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --bg:#081A32;
  --bg-soft:#0C2140;
  --surface:#0E2748;
  --surface-2:#0B2038;
  --ink:#EAF0F9;
  --ink-muted:#AEBBD6;
  --ink-faint:#7E8CAA;
  --navy:#050F20;
  --navy-2:#0A1D3C;
  --navy-ink:#FFFFFF;
  --navy-ink-muted:#A9B9D8;
  --blue:#5C97DD;
  --blue-soft:#122A4C;
  --gold:#D9AE55;
  --gold-bright:#EAC876;
  --gold-soft:#2A2110;
  --border:#1C3155;
  --border-strong:#2A4571;
  --danger:#E17A76;
  --danger-soft:#3A1816;
  --shadow:0 1px 2px rgba(0,0,0,.3), 0 12px 32px -16px rgba(0,0,0,.5);
  --shadow-lg:0 24px 60px -24px rgba(0,0,0,.6);
  color-scheme:dark;
}

/* ---------- Reset & base ---------- */
*,*::before,*::after{box-sizing:border-box;}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;}
body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img,svg{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
button{font:inherit;color:inherit;background:none;border:none;cursor:pointer;}
ul{margin:0;padding:0;list-style:none;}
h1,h2,h3,h4,p,figure{margin:0;}
input,select,textarea{font:inherit;color:inherit;}
:focus-visible{outline:2px solid var(--gold-bright);outline-offset:3px;border-radius:4px;}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto;}
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;scroll-behavior:auto !important;}
}

h1,h2,h3,h4{
  font-family:"Fraunces",Georgia,"Times New Roman",serif;
  font-weight:600;
  color:var(--ink);
  text-wrap:balance;
  letter-spacing:-0.01em;
}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--gold);
}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--gold);border-radius:2px;}
.section{padding:96px 0;}
.section-soft{background:var(--bg-soft);}
.container{max-width:var(--container);margin-inline:auto;padding:0 32px;}
.section-head{max-width:680px;margin:0 0 52px;}
.section-head.center{margin-inline:auto;text-align:center;}
.section-head h2{font-size:clamp(1.7rem,2.6vw,2.5rem);margin-top:14px;}
.section-head p{margin-top:16px;color:var(--ink-muted);font-size:1.05rem;}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:14px 28px;border-radius:999px;font-weight:700;font-size:.95rem;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease, border-color .18s ease;
  white-space:nowrap;
}
@media (max-width:560px){.btn{white-space:normal;text-align:center;}}
.btn-gold{background:linear-gradient(180deg,var(--gold-bright),var(--gold));color:#241A05;box-shadow:0 10px 24px -10px rgba(173,126,34,.55);}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 28px -10px rgba(173,126,34,.65);}
.btn-outline-light{border:1.5px solid rgba(255,255,255,.55);color:#fff;}
.btn-outline-light:hover{background:rgba(255,255,255,.12);border-color:#fff;}
.btn-navy{background:var(--navy);color:#fff;}
.btn-navy:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);}
.btn-ghost{border:1.5px solid var(--border-strong);color:var(--ink);}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold);}
.btn-block{width:100%;}

.icon{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:color-mix(in srgb, var(--bg) 88%, transparent);
  backdrop-filter:blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color .25s ease, box-shadow .25s ease;
}
.site-header.scrolled{border-bottom-color:var(--border);box-shadow:0 8px 24px -20px rgba(11,37,69,.4);}
.header-inner{
  max-width:var(--container);margin-inline:auto;padding:16px 32px;
  display:flex;align-items:center;justify-content:space-between;gap:24px;
}
.logo{display:flex;align-items:center;gap:10px;font-family:"Fraunces",serif;font-weight:700;font-size:1.28rem;color:var(--navy);}
.logo small{display:block;font-family:"Manrope",sans-serif;font-weight:600;font-size:.6rem;letter-spacing:.16em;color:var(--gold);text-transform:uppercase;margin-top:1px;}
.logo-img{height:42px;width:auto;display:block;}

.main-nav{display:flex;align-items:center;gap:2px;}
.main-nav a{
  padding:10px 14px;border-radius:8px;font-size:.92rem;font-weight:600;color:var(--ink-muted);
  transition:color .18s ease, background .18s ease;
}
.main-nav a:hover{color:var(--navy);background:var(--blue-soft);}
.main-nav a.active{color:var(--navy);background:var(--blue-soft);}

/* ---------- Services dropdown ---------- */
.nav-dropdown{position:relative;}
.nav-dropdown-trigger{
  display:flex;align-items:center;gap:5px;padding:10px 14px;border-radius:8px;
  font-size:.92rem;font-weight:600;color:var(--ink-muted);font-family:inherit;
  transition:color .18s ease, background .18s ease;
}
.nav-dropdown-trigger:hover{color:var(--navy);background:var(--blue-soft);}
.nav-dropdown.open .nav-dropdown-trigger,
.nav-dropdown.active .nav-dropdown-trigger{color:var(--navy);background:var(--blue-soft);}
.nav-dropdown-trigger .chevron{width:14px;height:14px;flex:none;transition:transform .2s ease;}
.nav-dropdown:hover .nav-dropdown-trigger .chevron,
.nav-dropdown.open .nav-dropdown-trigger .chevron{transform:rotate(180deg);}

.nav-dropdown-menu{
  position:absolute;top:calc(100% + 6px);left:0;min-width:230px;
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-m);
  box-shadow:var(--shadow-lg);padding:8px;
  opacity:0;visibility:hidden;transform:translateY(-6px);pointer-events:none;
  transition:opacity .18s ease, transform .18s ease, visibility .18s ease;
  z-index:110;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown.open .nav-dropdown-menu{opacity:1;visibility:visible;transform:translateY(0);pointer-events:auto;}
.nav-dropdown-menu a{display:block;padding:11px 12px;border-radius:8px;font-size:.9rem;font-weight:600;color:var(--ink);}
.nav-dropdown-menu a:hover{background:var(--gold-soft);color:var(--gold);}
.nav-dropdown-menu a.active{background:var(--blue-soft);color:var(--navy);}
.nav-dropdown-menu .dropdown-desc{display:block;font-size:.78rem;font-weight:500;color:var(--ink-muted);margin-top:1px;}
.nav-dropdown-menu a:hover .dropdown-desc{color:var(--gold);opacity:.85;}
.nav-dropdown-divider{height:1px;background:var(--border);margin:6px 4px;}

.header-actions{display:flex;align-items:center;gap:14px;}
.hamburger{display:none;width:44px;height:44px;border-radius:10px;align-items:center;justify-content:center;border:1px solid var(--border);}
.hamburger span,.hamburger span::before,.hamburger span::after{
  content:"";display:block;width:20px;height:2px;background:var(--navy);position:relative;transition:transform .2s ease, opacity .2s ease;
}
.hamburger span::before{position:absolute;top:-6px;}
.hamburger span::after{position:absolute;top:6px;}
.hamburger[aria-expanded="true"] span{background:transparent;}
.hamburger[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg);}
.hamburger[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg);}

/* Note: mobile-nav is a sibling of <header>, not a child — a fixed-position
   descendant of an element with backdrop-filter is contained by that
   element's box instead of the viewport, which breaks full-screen overlays. */
.mobile-nav{
  display:none;position:fixed;top:0;right:0;bottom:0;left:0;z-index:99;background:var(--bg);
  padding:100px 32px 40px;overflow-y:auto;
  transform:translateY(-8px);opacity:0;pointer-events:none;transition:opacity .22s ease, transform .22s ease;
}
.mobile-nav.open{opacity:1;transform:translateY(0);pointer-events:auto;}
.mobile-nav a{display:block;padding:16px 4px;font-size:1.15rem;font-weight:700;color:var(--navy);border-bottom:1px solid var(--border);}
.mobile-nav a.sub{padding-left:16px;font-size:1rem;font-weight:600;color:var(--ink-muted);}
.mobile-nav a.active{color:var(--gold);}
.mobile-nav .btn{margin-top:24px;}

@media (max-width:980px){
  .main-nav{display:none;}
  .header-actions .btn-gold{display:none;}
  .hamburger{display:flex;}
  .mobile-nav{display:block;}
}

/* ---------- Hero ---------- */
.hero{
  position:relative;background:radial-gradient(120% 140% at 12% -10%, var(--navy-2), var(--navy) 55%);
  color:#fff;overflow:hidden;padding:96px 0 88px;
}
.hero-grid{
  max-width:var(--container);margin-inline:auto;padding:0 32px;
  display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;position:relative;z-index:2;
}
.hero-copy .eyebrow{color:var(--gold-bright);}
.hero-copy .eyebrow::before{background:var(--gold-bright);}
.hero-copy h1{
  color:#fff;font-size:clamp(2.3rem,4.3vw,3.65rem);line-height:1.08;margin-top:18px;
}
.hero-copy h1 em{color:var(--gold-bright);font-style:normal;}
.hero-copy p{margin-top:22px;font-size:1.13rem;color:var(--navy-ink-muted);max-width:52ch;}
.hero-actions{display:flex;gap:16px;margin-top:34px;flex-wrap:wrap;}
.hero-tagline{font-size:.86rem;color:var(--navy-ink-muted);letter-spacing:.01em;margin-top:36px;}
.hero-tagline b{color:var(--gold-bright);font-weight:700;}
.hero-tagline .dot{color:rgba(255,255,255,.3);margin:0 10px;}

.hero-visual{position:relative;}
.hero-chart-card{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);
  border-radius:var(--radius-l);padding:22px 30px 26px;backdrop-filter:blur(6px);
  box-shadow:0 30px 70px -30px rgba(0,0,0,.6);
}
.chart-line{stroke:var(--gold-bright);stroke-width:2.5;fill:none;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:520;stroke-dashoffset:520;animation:draw 2.2s ease forwards .3s;}
.chart-area{opacity:0;animation:fadein 1.4s ease forwards 1.6s;}
@keyframes draw{to{stroke-dashoffset:0;}}
@keyframes fadein{to{opacity:1;}}
.chart-dot{opacity:0;animation:fadein .6s ease forwards 2.2s;}
.hero-particles circle{opacity:.55;animation:float 6s ease-in-out infinite;}
.hero-particles circle:nth-child(2){animation-delay:1.1s;}
.hero-particles circle:nth-child(3){animation-delay:2.3s;}
@keyframes float{0%,100%{transform:translateY(0);}50%{transform:translateY(-10px);}}
.hero-glow{position:absolute;top:auto;right:-180px;bottom:-220px;left:auto;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(201,154,58,.22),transparent 65%);pointer-events:none;z-index:1;}

@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;}
  .hero-visual{order:-1;}
}

/* ---------- Inner page header banner ---------- */
.page-header{
  position:relative;background:radial-gradient(120% 140% at 12% -10%, var(--navy-2), var(--navy) 55%);
  color:#fff;overflow:hidden;padding:56px 0 52px;
}
.breadcrumb{display:flex;align-items:center;gap:8px;font-size:.83rem;color:var(--navy-ink-muted);margin-bottom:18px;}
.breadcrumb a{color:var(--navy-ink-muted);}
.breadcrumb a:hover{color:#fff;}
.breadcrumb .sep{opacity:.6;}
.page-header .eyebrow{color:var(--gold-bright);}
.page-header .eyebrow::before{background:var(--gold-bright);}
.page-header h1{color:#fff;font-size:clamp(2rem,3.6vw,2.9rem);margin-top:14px;}
.page-header p{margin-top:14px;color:var(--navy-ink-muted);max-width:62ch;font-size:1.05rem;}

/* Anchor targets should clear the sticky header instead of landing behind it */
section[id],
#insurance{scroll-margin-top:96px;}

/* ---------- Trust strip ---------- */
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:-64px;position:relative;z-index:3;}
.trust-card{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-m);
  padding:26px 24px;box-shadow:var(--shadow);
  display:flex;flex-direction:column;gap:14px;
  transition:transform .2s ease, box-shadow .2s ease;
}
.trust-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);}
.trust-icon{width:44px;height:44px;border-radius:12px;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;color:var(--gold);}
.trust-card strong{font-family:"Fraunces",serif;font-size:1.55rem;color:var(--navy);font-weight:600;}
:root[data-theme="dark"] .trust-card strong{color:var(--ink);}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .trust-card strong{color:var(--ink);}}
.trust-card span.label{font-weight:700;font-size:.98rem;color:var(--ink);}
.trust-card span.desc{font-size:.88rem;color:var(--ink-muted);}
@media (max-width:980px){.trust-grid{grid-template-columns:1fr 1fr;margin-top:-40px;}}
@media (max-width:560px){.trust-grid{grid-template-columns:1fr;}}

/* ---------- About ---------- */
.about-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:64px;align-items:center;}
.about-visual{position:relative;}
.about-card{
  background:var(--navy);border-radius:var(--radius-l);padding:36px;color:#fff;position:relative;overflow:hidden;
  box-shadow:var(--shadow-lg);
}
.about-card .ac-row{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.14);}
.about-card .ac-row:last-of-type{border-bottom:none;}
.about-card .ac-row span:first-child{color:var(--navy-ink-muted);font-size:.86rem;}
.about-card .ac-row strong{font-family:"Fraunces",serif;color:var(--gold-bright);font-size:1.15rem;font-weight:600;}
.about-card .ac-ring{position:absolute;right:-60px;top:-60px;width:200px;height:200px;border-radius:50%;border:1px solid rgba(255,255,255,.12);}
.about-card .ac-ring2{position:absolute;right:-20px;top:-20px;width:130px;height:130px;border-radius:50%;border:1px solid rgba(212,169,74,.35);}
.about-badge{
  position:absolute;left:-28px;bottom:-24px;background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-m);padding:18px 22px;box-shadow:var(--shadow-lg);display:flex;gap:14px;align-items:center;max-width:260px;
}
.about-badge .icon{color:var(--gold);flex:none;}
.about-badge strong{display:block;font-size:.92rem;color:var(--navy);}
:root[data-theme="dark"] .about-badge strong{color:var(--ink);}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .about-badge strong{color:var(--ink);}}
.about-badge span{font-size:.8rem;color:var(--ink-muted);}

.about-copy p.lead{font-size:1.14rem;color:var(--ink-muted);margin-top:16px;}
.about-values{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:34px;}
.about-value{display:flex;gap:12px;}
.about-value .icon{color:var(--gold);flex:none;margin-top:2px;}
.about-value strong{display:block;font-size:.98rem;color:var(--ink);}
.about-value span{font-size:.86rem;color:var(--ink-muted);}
.about-divider{width:64px;height:3px;background:var(--gold);border-radius:2px;margin-top:18px;}

@media (max-width:900px){.about-grid{grid-template-columns:1fr;}.about-badge{position:static;margin-top:20px;max-width:none;}.about-values{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.about-values{grid-template-columns:1fr;}}

/* ---------- Services ---------- */
.services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
.services-grid.cols-3{grid-template-columns:repeat(3,1fr);}
.service-card{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-m);padding:28px 24px;
  transition:transform .2s ease, box-shadow .2s ease, border-color .2s ease;position:relative;
}
.service-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--gold-soft);}
.service-icon{width:48px;height:48px;border-radius:12px;background:var(--blue-soft);color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:18px;transition:background .2s ease,color .2s ease;}
.service-card:hover .service-icon{background:var(--gold-soft);color:var(--gold);}
.service-card h3{font-size:1.08rem;font-weight:600;}
.service-card p{font-size:.9rem;color:var(--ink-muted);margin-top:10px;}
.service-link{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-size:.85rem;font-weight:700;color:var(--navy);}
:root[data-theme="dark"] .service-link{color:var(--ink);}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .service-link{color:var(--ink);}}
.service-link .icon{width:16px;height:16px;transition:transform .18s ease;}
.service-card:hover .service-link{color:var(--gold);}
.service-card:hover .service-link .icon{transform:translateX(3px);}
@media (max-width:980px){.services-grid,.services-grid.cols-3{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.services-grid,.services-grid.cols-3{grid-template-columns:1fr;}}

/* ---------- Investment solutions ---------- */
.goals-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.goal-card{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-m);padding:26px 22px;
  display:flex;flex-direction:column;gap:12px;transition:transform .2s ease,box-shadow .2s ease;
}
.goal-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);}
.goal-glyph{width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold-bright);display:flex;align-items:center;justify-content:center;}
.goal-card h3{font-size:1rem;font-weight:700;}
.goal-card p{font-size:.86rem;color:var(--ink-muted);}
.goals-cta{margin-top:44px;display:flex;justify-content:center;}
@media (max-width:980px){.goals-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.goals-grid{grid-template-columns:1fr;}}

/* ---------- Calculators ---------- */
.calc-shell{
  background:var(--navy);border-radius:var(--radius-l);padding:44px;color:#fff;display:grid;
  grid-template-columns:1fr 1fr;gap:48px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden;
}
.calc-shell::after{content:"";position:absolute;top:auto;right:-140px;bottom:-140px;left:auto;width:340px;height:340px;border-radius:50%;
  background:radial-gradient(circle,rgba(212,169,74,.16),transparent 65%);pointer-events:none;}
.calc-freq{display:inline-flex;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:999px;padding:4px;margin-top:20px;gap:2px;}
.calc-freq-btn{padding:8px 22px;border-radius:999px;font-size:.85rem;font-weight:700;color:var(--navy-ink-muted);transition:background .18s ease,color .18s ease;}
.calc-freq-btn:hover{color:#fff;}
.calc-freq-btn.active{background:var(--gold-bright);color:var(--navy);}
.calc-field{margin-bottom:26px;}
.calc-field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px;gap:12px;}
.calc-field-top label{font-size:.86rem;color:var(--navy-ink-muted);font-weight:600;}
.calc-field-top output{font-family:"Fraunces",serif;font-size:1.15rem;color:var(--gold-bright);font-variant-numeric:tabular-nums;}
.calc-input-wrap{display:inline-flex;align-items:baseline;gap:3px;flex:none;}
.calc-prefix,.calc-suffix{font-family:"Fraunces",serif;font-size:1.15rem;color:var(--gold-bright);font-weight:600;}
.calc-number{
  font-family:"Fraunces",serif;font-size:1.15rem;font-weight:600;color:var(--gold-bright);
  background:transparent;border:none;border-bottom:1.5px solid rgba(212,169,74,.4);
  text-align:right;padding:0 2px 2px;font-variant-numeric:tabular-nums;width:96px;
  transition:border-color .18s ease;
}
.calc-number.narrow{width:52px;text-align:center;}
.calc-number:focus{outline:none;border-color:var(--gold-bright);}
.calc-number[type="number"]::-webkit-outer-spin-button,
.calc-number[type="number"]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0;}
.calc-number[type="number"]{-moz-appearance:textfield;}
/* The input's own box is the real hit area — kept tall (28px) for an easy
   mouse/touch target, while the visible line stays a thin 5px track via the
   track pseudo-elements below. (A 5px-tall input, tried earlier, made the
   slider hard to grab.) */
input[type="range"]{
  -webkit-appearance:none;appearance:none;width:100%;height:28px;padding:0;margin:0;
  background:transparent;outline:none;cursor:pointer;vertical-align:middle;
}
input[type="range"]::-webkit-slider-runnable-track{
  height:5px;border-radius:4px;background:rgba(255,255,255,.18);
}
input[type="range"]::-moz-range-track{
  height:5px;border-radius:4px;background:rgba(255,255,255,.18);
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:20px;height:20px;border-radius:50%;
  background:var(--gold-bright);border:3px solid var(--navy);box-shadow:0 0 0 2px var(--gold-bright);cursor:pointer;
  margin-top:-7.5px;
}
input[type="range"]::-moz-range-thumb{
  width:20px;height:20px;border-radius:50%;background:var(--gold-bright);border:3px solid var(--navy);box-shadow:0 0 0 2px var(--gold-bright);cursor:pointer;
}
.calc-results{display:flex;flex-direction:column;gap:14px;}
.calc-result-card{
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius-m);
  padding:20px 22px;display:flex;justify-content:space-between;align-items:center;
}
.calc-result-card.highlight{background:linear-gradient(135deg,rgba(212,169,74,.22),rgba(212,169,74,.06));border-color:rgba(212,169,74,.4);}
.calc-result-card span{font-size:.86rem;color:var(--navy-ink-muted);}
.calc-result-card strong{font-family:"Fraunces",serif;font-size:1.35rem;font-variant-numeric:tabular-nums;color:#fff;}
.calc-result-card.highlight strong{color:var(--gold-bright);font-size:1.7rem;}
.calc-shell .btn{margin-top:8px;}
@media (max-width:900px){.calc-shell{grid-template-columns:1fr;padding:30px 24px;}}

/* ---------- Our Approach ---------- */
.approach-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
.approach-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-m);padding:26px 24px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:14px;transition:transform .2s ease, box-shadow .2s ease;}
.approach-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);}
.approach-icon{width:44px;height:44px;border-radius:12px;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;color:var(--gold);}
.approach-card h3{font-size:1.02rem;font-weight:700;}
.approach-card p{font-size:.88rem;color:var(--ink-muted);}
@media (max-width:900px){.approach-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.approach-grid{grid-template-columns:1fr;}}

/* ---------- Why choose us ---------- */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px 40px;}
.why-item{display:flex;gap:16px;}
.why-icon{width:50px;height:50px;border-radius:14px;border:1.5px solid var(--gold-soft);background:var(--surface-2);color:var(--gold);display:flex;align-items:center;justify-content:center;flex:none;}
.why-item h3{font-size:1.02rem;font-weight:700;}
.why-item p{font-size:.88rem;color:var(--ink-muted);margin-top:6px;}
@media (max-width:900px){.why-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.why-grid{grid-template-columns:1fr;}}

/* ---------- Process ---------- */
.process-track{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
.process-track.cols-3{grid-template-columns:repeat(3,1fr);}
.process-track::before{
  content:"";position:absolute;top:26px;left:6%;right:6%;height:1px;background:var(--border-strong);
}
.process-step{position:relative;padding:0 20px;text-align:left;}
.process-num{
  width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--gold-bright);
  display:flex;align-items:center;justify-content:center;font-family:"Fraunces",serif;font-weight:600;font-size:1.05rem;
  position:relative;z-index:2;margin-bottom:20px;
}
.process-step h3{font-size:1.02rem;font-weight:700;}
.process-step p{font-size:.87rem;color:var(--ink-muted);margin-top:8px;}
@media (max-width:900px){
  .process-track,.process-track.cols-3{grid-template-columns:1fr;gap:34px;}
  .process-track::before{top:0;bottom:0;left:26px;right:auto;width:1px;height:auto;}
  .process-step{padding-left:0;}
}

/* ---------- Blog ---------- */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.blog-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-m);overflow:hidden;transition:transform .2s ease,box-shadow .2s ease;}
.blog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);}
.blog-thumb{height:150px;position:relative;display:flex;align-items:flex-end;padding:16px;}
.blog-thumb span{background:rgba(255,255,255,.92);color:var(--navy);font-size:.72rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:6px 12px;border-radius:999px;}
.blog-body{padding:22px 22px 24px;}
.blog-body h3{font-size:1.05rem;font-weight:600;line-height:1.35;}
.blog-body p{font-size:.87rem;color:var(--ink-muted);margin-top:10px;}
.blog-read{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-size:.85rem;font-weight:700;color:var(--gold);}
.blog-read .icon{width:15px;height:15px;}
@media (max-width:980px){.blog-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:640px){.blog-grid{grid-template-columns:1fr;}}


/* ---------- FAQ ---------- */
.faq-list{max-width:820px;margin:0 auto;border-top:1px solid var(--border);}
.faq-item{border-bottom:1px solid var(--border);}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 4px;text-align:left;font-size:1.02rem;font-weight:700;color:var(--ink);}
.faq-q .icon{flex:none;color:var(--gold);transition:transform .25s ease;width:20px;height:20px;}
.faq-item[data-open="true"] .faq-q .icon{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
.faq-a p{padding:0 4px 22px;color:var(--ink-muted);font-size:.94rem;max-width:70ch;}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start;}
.contact-form{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-l);padding:36px;box-shadow:var(--shadow);}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.form-field{display:flex;flex-direction:column;gap:7px;margin-bottom:18px;}
.form-field.full{grid-column:1/-1;}
.form-field label{font-size:.83rem;font-weight:700;color:var(--ink);}
.form-field input,.form-field select,.form-field textarea{
  border:1.5px solid var(--border-strong);border-radius:10px;padding:12px 14px;background:var(--bg);color:var(--ink);
  transition:border-color .18s ease, box-shadow .18s ease;
}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-soft);outline:none;}
.form-note{font-size:.78rem;color:var(--ink-faint);margin-top:14px;}
.form-success{display:none;align-items:center;gap:12px;background:var(--gold-soft);border:1px solid var(--gold);border-radius:10px;padding:14px 16px;margin-bottom:18px;color:var(--ink);font-size:.9rem;font-weight:600;}
.form-success.show{display:flex;}
.form-success .icon{color:var(--gold);flex:none;}
.form-error{display:none;align-items:center;gap:12px;background:var(--danger-soft);border:1px solid var(--danger);border-radius:10px;padding:14px 16px;margin-bottom:18px;color:var(--ink);font-size:.9rem;font-weight:600;}
.form-error.show{display:flex;}
.form-error .icon{color:var(--danger);flex:none;}
.hp-field{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden;}
.btn[disabled]{opacity:.65;cursor:not-allowed;transform:none !important;}

.contact-side{display:flex;flex-direction:column;gap:18px;}
.contact-info-card{background:var(--navy);color:#fff;border-radius:var(--radius-l);padding:30px;}
.cinfo-row{display:flex;gap:14px;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.14);}
.cinfo-row:first-child{padding-top:0;}
.cinfo-row:last-child{border-bottom:none;padding-bottom:0;}
.cinfo-row .icon{color:var(--gold-bright);flex:none;margin-top:2px;}
.cinfo-row strong{display:block;font-size:.88rem;}
.cinfo-row span{font-size:.85rem;color:var(--navy-ink-muted);}
.map-card{border-radius:var(--radius-l);overflow:hidden;border:1px solid var(--border);height:190px;position:relative;background:var(--bg-soft);}
.map-pin{position:absolute;left:50%;top:50%;transform:translate(-50%,-60%);color:var(--gold);}
.map-label{position:absolute;bottom:14px;left:14px;background:var(--surface);border:1px solid var(--border);border-radius:8px;padding:8px 12px;font-size:.78rem;font-weight:700;color:var(--ink);}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr;}.form-grid{grid-template-columns:1fr;}}

/* ---------- Commission disclosure table ---------- */
.disclosure-table-wrap{overflow-x:auto;margin-top:28px;border-radius:var(--radius-m);box-shadow:var(--shadow);}
table.disclosure-table{width:100%;border-collapse:collapse;background:var(--surface);min-width:640px;}
table.disclosure-table th{background:var(--navy);color:#fff;text-align:left;padding:14px 18px;font-size:.78rem;letter-spacing:.04em;text-transform:uppercase;font-weight:700;}
table.disclosure-table td{padding:14px 18px;border-bottom:1px solid var(--border);font-size:.92rem;color:var(--ink);}
table.disclosure-table tr:last-child td{border-bottom:none;}
table.disclosure-table tbody tr:nth-child(even) td{background:var(--bg-soft);}
.disclosure-note{margin-top:16px;font-size:.85rem;color:var(--ink-muted);}

/* ---------- Legal content pages (Disclaimer, Privacy, Terms) ---------- */
.legal-block{max-width:820px;}
.legal-block h3{font-size:1.1rem;font-weight:700;margin-top:38px;}
.legal-block h3:first-child{margin-top:0;}
.legal-block p{margin-top:10px;font-size:.95rem;line-height:1.75;color:var(--ink-muted);}
.legal-updated{font-size:.82rem;color:var(--ink-faint);margin-top:36px;padding-top:20px;border-top:1px solid var(--border);}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:var(--navy-ink-muted);padding:72px 0 28px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.15fr;gap:40px;}
.footer-logo{display:flex;align-items:center;gap:10px;font-family:"Fraunces",serif;font-weight:700;font-size:1.2rem;color:#fff;}
.footer-logo-badge{width:32px;height:32px;border-radius:9px;background:#fff;display:flex;align-items:center;justify-content:center;flex:none;padding:4px;}
.footer-logo-badge img{width:100%;height:100%;object-fit:contain;display:block;}
.footer-desc{margin-top:16px;font-size:.88rem;line-height:1.7;max-width:34ch;}
.footer-social{display:flex;gap:10px;margin-top:22px;}
.footer-social a{width:36px;height:36px;border-radius:50%;border:1px solid rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;transition:background .18s ease,border-color .18s ease;}
.footer-social a:hover{background:var(--gold);border-color:var(--gold);color:var(--navy);}
.footer-social .icon{width:16px;height:16px;}
.footer-col h4{color:var(--gold-bright);font-family:"Manrope",sans-serif;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;font-weight:800;margin-bottom:18px;}
.footer-col li{margin-bottom:11px;font-size:.88rem;}
.footer-col a:hover{color:#fff;}
.footer-bottom{
  margin-top:56px;padding-top:26px;border-top:1px solid rgba(255,255,255,.14);
  display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.8rem;
}
.footer-legal{display:flex;gap:20px;flex-wrap:wrap;}
.footer-legal a:hover{color:#fff;}
.footer-disclosure{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);font-size:.74rem;line-height:1.8;color:rgba(255,255,255,.45);max-width:100ch;}
.footer-disclosure a{color:var(--gold-bright);text-decoration:underline;text-underline-offset:2px;}
.footer-disclosure a:hover{color:#fff;}
.footer-disclosure + .footer-disclosure{margin-top:12px;padding-top:0;border-top:none;}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr;}}

.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease, transform .6s ease;}
.reveal.in{opacity:1;transform:translateY(0);}