/* =========================================================
   SWEALTH SERVICES — Design System
   Brand palette drawn from the SWEALTH mark:
   navy #425b7f · cyan #0ba7e1 · slate-gray swoosh #9aa1ab
   Signature devices: the ascending growth-bar (from the logo)
   used as a data/stat motif, and a consistent navy→cyan
   duotone treatment over all photography for cohesion.
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Bricolage+Grotesque:opsz,wght@12..96,400;12..96,500;12..96,600;12..96,700;12..96,800&family=Inter:wght@400;500;600;700;800&family=IBM+Plex+Mono:wght@500;600&display=swap');

:root{
  /* Brand */
  --navy-900:#141f30;
  --navy-800:#1c2c44;
  --navy-700:#28395a;
  --navy-600:#2f4568;
  --navy:#425b7f;
  --navy-300:#8091ab;
  --navy-100:#dbe2ec;
  --cyan-700:#0b83ab;
  --cyan:#0ba7e1;
  --cyan-400:#3bb8e7;
  --cyan-200:#bfe9f8;
  --cyan-100:#e6f7fd;
  --gray:#9aa1ab;
  --ink:#151f2e;
  --slate:#57687f;
  --slate-light:#8593a6;
  --paper:#f5f8fb;
  --paper-deep:#eef2f7;
  --white:#ffffff;
  --line:#e1e8f0;
  --line-soft:#edf1f6;
  --danger:#c0392b;

  /* Type */
  --font-display:'Bricolage Grotesque', system-ui, sans-serif;
  --font-body:'Inter', system-ui, -apple-system, sans-serif;
  --font-mono:'IBM Plex Mono', ui-monospace, monospace;

  /* Layout */
  --container:1240px;
  --container-wide:1400px;
  --radius-sm:10px;
  --radius:16px;
  --radius-lg:26px;
  --shadow-sm:0 2px 10px rgba(20,31,48,.06);
  --shadow:0 12px 32px rgba(20,31,48,.10);
  --shadow-lg:0 24px 60px rgba(20,31,48,.16);
  --header-h:104px;
  --topbar-h:42px;
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth; scroll-padding-top:calc(var(--header-h) + var(--topbar-h) + 16px);}
body{
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{list-style:none;}
button{font:inherit;cursor:pointer;border:none;background:none;color:inherit;}
input,select,textarea{font:inherit;color:inherit;}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.12;letter-spacing:-.01em;color:var(--navy-900);}
:focus-visible{outline:3px solid var(--cyan);outline-offset:2px;border-radius:4px;}
@media (prefers-reduced-motion:reduce){
  *{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;scroll-behavior:auto !important;}
}

.container{max-width:var(--container);margin:0 auto;padding:0 24px;}
.container-wide{max-width:var(--container-wide);margin:0 auto;padding:0 24px;}
.container-narrow{max-width:840px;margin:0 auto;padding:0 24px;}

section{padding:88px 0;}
@media (max-width:768px){ section{padding:56px 0;} }

.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--font-mono);font-size:12.5px;font-weight:600;
  letter-spacing:.08em;text-transform:uppercase;color:var(--cyan-700);
  background:var(--cyan-100);border:1px solid var(--cyan-200);
  padding:6px 14px 6px 10px;border-radius:99px;margin-bottom:18px;
}
.eyebrow::before{content:'';width:7px;height:7px;border-radius:50%;background:var(--cyan);flex:none;}

h2.section-title{
  font-size:clamp(28px,3.6vw,44px);
  white-space:nowrap;
  margin-bottom:14px;
}
@media (max-width:560px){ h2.section-title{white-space:normal; font-size:clamp(24px,7vw,32px);} }
.section-lede{color:var(--slate);font-size:17px;max-width:640px;margin-bottom:8px;}
.section-head{margin-bottom:44px;}
.section-head.center{text-align:center;}
.section-head.center .section-lede{margin-inline:auto;}
.section-head.split{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:14px 26px;border-radius:99px;font-weight:700;font-size:15px;
  white-space:nowrap;transition:transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  border:1.5px solid transparent;
}
.btn svg{width:16px;height:16px;flex:none;}
.btn-primary{background:var(--cyan);color:var(--white);box-shadow:0 10px 24px rgba(11,167,225,.32);}
.btn-primary:hover{background:var(--cyan-700);transform:translateY(-2px);box-shadow:0 14px 28px rgba(11,167,225,.4);}
.btn-navy{background:var(--navy-900);color:var(--white);}
.btn-navy:hover{background:var(--navy-700);transform:translateY(-2px);}
.btn-outline{background:transparent;border-color:rgba(255,255,255,.5);color:inherit;}
.btn-outline:hover{background:rgba(255,255,255,.12);}
.btn-ghost-navy{background:transparent;border-color:var(--navy-100);color:var(--navy-900);}
.btn-ghost-navy:hover{background:var(--navy-900);border-color:var(--navy-900);color:#fff;}
.btn-sm{padding:10px 18px;font-size:13.5px;}
.btn-block{width:100%;}

/* ---------- Live market ticker (self-contained, no external script) ---------- */
.market-ticker{
  background:#0d1420;border-bottom:1px solid rgba(255,255,255,.07);
  display:flex;align-items:stretch;gap:0;height:38px;
}
.mt-badge{
  flex:none;display:flex;align-items:center;gap:8px;height:100%;padding:0 18px;
  background:linear-gradient(120deg,var(--navy-700),var(--navy-600));
  color:#fff;font-family:var(--font-mono);font-size:11.5px;font-weight:600;letter-spacing:.04em;
  white-space:nowrap;
}
.mt-dot{width:7px;height:7px;border-radius:50%;background:#2ecc71;flex:none;box-shadow:0 0 0 0 rgba(46,204,113,.7);animation:mt-pulse 1.8s infinite;}
@keyframes mt-pulse{
  0%{box-shadow:0 0 0 0 rgba(46,204,113,.6);}
  70%{box-shadow:0 0 0 6px rgba(46,204,113,0);}
  100%{box-shadow:0 0 0 0 rgba(46,204,113,0);}
}
.mt-widget{flex:1;min-width:0;height:100%;}
.mt-track-wrap{width:100%;height:100%;overflow:hidden;}
.mt-track{display:flex;align-items:center;height:100%;width:max-content;animation:mt-scroll 38s linear infinite;}
.market-ticker:hover .mt-track{animation-play-state:paused;}
@keyframes mt-scroll{ from{transform:translateX(0);} to{transform:translateX(-50%);} }
.mt-item{
  flex:none;display:flex;align-items:center;gap:8px;height:100%;padding:0 22px;
  white-space:nowrap;font-family:var(--font-mono);font-size:12px;
  border-right:1px solid rgba(255,255,255,.07);
}
.mt-item .mt-name{color:#eef2f7;font-weight:600;}
.mt-item .mt-val{color:#9fb0c6;}
.mt-item .mt-chg.up{color:#3ddc84;}
.mt-item .mt-chg.down{color:#ff6b6b;}
.mt-meta{
  flex:none;display:flex;align-items:center;gap:10px;height:100%;padding:0 18px;
  border-left:1px solid rgba(255,255,255,.08);font-family:var(--font-mono);font-size:11px;white-space:nowrap;
}
.mt-country{color:#fff;font-weight:700;letter-spacing:.05em;}
.mt-updated{color:#8fa0b8;}
.mt-note{color:#5c6c82;}
@media (max-width:900px){ .mt-meta{display:none;} }
@media (max-width:640px){ .market-ticker{height:36px;} .mt-badge{padding:0 12px;font-size:10.5px;} .mt-item{padding:0 16px;font-size:11px;} }

/* ---------- Top utility bar ---------- */
.topbar{
  background:var(--navy-900);color:#c9d4e2;font-size:13.5px;
  border-bottom:1px solid rgba(255,255,255,.08);
}
.topbar-inner{
  width:90%;max-width:1500px;margin:0 auto;
  min-height:var(--topbar-h);display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;
}
.topbar-left,.topbar-right{display:flex;align-items:center;gap:18px;flex-wrap:wrap;padding:7px 0;}
.topbar a{display:inline-flex;align-items:center;gap:7px;color:#c9d4e2;transition:color .15s;}
.topbar a:hover{color:var(--cyan-400);}
.topbar svg{width:13px;height:13px;flex:none;opacity:.85;}
.topbar-right{font-family:var(--font-mono);font-size:12px;letter-spacing:.02em;color:#93a3ba;}
.topbar-right b{color:#e7edf5;font-weight:600;}
.topbar-sep{opacity:.35;}
@media (max-width:900px){ .topbar-right{display:none;} }
@media (max-width:480px){
  .topbar-left{gap:10px;flex-wrap:nowrap;justify-content:space-between;width:100%;}
  .topbar a{font-size:11px;gap:5px;}
  .topbar svg{width:11px;height:11px;}
}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:200;background:rgba(255,255,255,.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.header-inner{
  width:90%;max-width:1500px;margin:0 auto;
  height:var(--header-h);display:flex;align-items:center;justify-content:space-between;gap:20px;
}
.brand{display:flex;align-items:center;gap:10px;flex:none;padding:0;}
.brand img{height:72px;width:auto;}
@media (max-width:420px){ .brand img{height:56px;} }

.main-nav{display:flex;align-items:center;gap:2px;flex:1;justify-content:center;}
.main-nav > ul{display:flex;align-items:center;gap:2px;}
.main-nav > ul > li{position:relative;}
.main-nav > ul > li > a, .main-nav > ul > li > button.nav-toggle{
  display:flex;align-items:center;gap:5px;
  padding:10px 15px;border-radius:10px;font-weight:600;font-size:14.5px;color:var(--navy-900);
  transition:background .15s,color .15s;
}
.main-nav > ul > li > a:hover, .main-nav > ul > li:hover > button.nav-toggle{background:var(--paper-deep);color:var(--cyan-700);}
.main-nav > ul > li.current > a{color:var(--cyan-700);}
.nav-toggle svg{width:12px;height:12px;transition:transform .18s;}
.main-nav li:hover .nav-toggle svg{transform:rotate(180deg);}

.dropdown{
  position:absolute;top:calc(100% + 10px);left:0;min-width:280px;
  background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);
  padding:10px;opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .18s ease, transform .18s ease, visibility .18s;
  z-index:50;
}
.dropdown.mega{min-width:340px;}
.main-nav li:hover .dropdown, .main-nav li:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0);}
.dropdown a{
  display:flex;align-items:center;gap:10px;padding:10px 12px;border-radius:9px;
  font-size:14px;font-weight:600;color:var(--navy-700);
}
.dropdown a:hover{background:var(--cyan-100);color:var(--cyan-700);}
.dropdown a .dot{width:6px;height:6px;border-radius:50%;background:var(--cyan-400);flex:none;}
.dropdown .dd-divider{height:1px;background:var(--line-soft);margin:6px 4px;}
.dropdown .dd-label{font-family:var(--font-mono);font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--slate-light);padding:8px 12px 4px;}

.header-ctas{display:flex;align-items:center;gap:10px;flex:none;}
.hamburger{
  display:none;width:44px;height:44px;border-radius:10px;align-items:center;justify-content:center;
  background:var(--paper-deep);flex:none;
}
.hamburger span{display:block;width:19px;height:2px;background:var(--navy-900);position:relative;transition:.2s;}
.hamburger span::before,.hamburger span::after{content:'';position:absolute;left:0;width:19px;height:2px;background:var(--navy-900);transition:.2s;}
.hamburger span::before{top:-6px;} .hamburger span::after{top:6px;}
.hamburger.active span{background:transparent;}
.hamburger.active span::before{transform:rotate(45deg);top:0;}
.hamburger.active span::after{transform:rotate(-45deg);top:0;}

@media (max-width:1080px){
  .main-nav{display:none;}
  .header-ctas .btn{display:none;}
  .hamburger{display:flex;}
}

/* ---------- Mobile menu ---------- */
.mobile-menu{
  position:fixed;inset:calc(var(--header-h) + var(--topbar-h)) 0 0 0;
  background:#fff;z-index:190;transform:translateX(100%);
  transition:transform .28s ease;overflow-y:auto;
  padding:10px 22px 28px;
  -webkit-overflow-scrolling:touch;
}
body.menu-open .mobile-menu{transform:translateX(0);}
body.menu-open{overflow:hidden;}
.mobile-menu ul{display:flex;flex-direction:column;}
.mobile-menu > ul > li{border-bottom:1px solid var(--line-soft);}
.mobile-menu > ul > li > a, .mobile-menu .m-toggle{
  display:flex;align-items:center;justify-content:space-between;width:100%;
  padding:13px 4px;font-weight:600;font-size:14.5px;color:var(--navy-900);
}
.mobile-menu .m-toggle svg{width:12px;height:12px;transition:transform .2s;}
.mobile-menu li.open .m-toggle svg{transform:rotate(180deg);}
.mobile-sub{max-height:0;overflow:hidden;transition:max-height .25s ease;}
.mobile-sub a{display:block;padding:9px 4px 9px 14px;font-size:13px;color:var(--slate);border-left:2px solid var(--line);margin-left:2px;}
.mobile-ctas{display:flex;flex-direction:column;gap:10px;margin-top:18px;}
.mobile-menu .m-contact{margin-top:20px;padding-top:18px;border-top:1px solid var(--line-soft);display:flex;flex-direction:column;gap:8px;font-size:13px;color:var(--slate);}
.mobile-menu .m-contact a{display:flex;align-items:center;gap:8px;color:var(--navy-700);font-weight:600;}
.menu-overlay{position:fixed;inset:0;background:rgba(15,22,35,.4);z-index:180;opacity:0;visibility:hidden;transition:opacity .25s;}
body.menu-open .menu-overlay{opacity:1;visibility:visible;}

/* ---------- Duotone photo treatment (signature) ---------- */
.photo{position:relative;overflow:hidden;border-radius:var(--radius);background:var(--navy-100);}
.photo img{width:100%;height:100%;object-fit:cover;display:block;filter:saturate(.92) contrast(1.02);transition:transform .6s ease;}
.photo::after{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(155deg, rgba(19,31,49,.55) 0%, rgba(11,167,225,.16) 42%, rgba(19,31,49,0) 70%);
  mix-blend-mode:multiply;
}
.photo.ratio-square{aspect-ratio:1/1;}
.photo.ratio-land{aspect-ratio:4/3;}
.photo.ratio-wide{aspect-ratio:16/10;}
.photo.ratio-tall{aspect-ratio:3/4;}
.photo.no-tone::after{display:none;}
.photo.no-tone img{filter:none;}
.photo-card:hover .photo img{transform:scale(1.06);}

/* ---------- Growth-bar signature mark ---------- */
.growth-mark{display:flex;align-items:flex-end;gap:3px;height:20px;flex:none;}
.growth-mark span{width:5px;border-radius:2px;background:var(--cyan);}
.growth-mark span:nth-child(1){height:40%;background:var(--navy-300);}
.growth-mark span:nth-child(2){height:70%;background:var(--cyan-400);}
.growth-mark span:nth-child(3){height:100%;background:var(--cyan);}

.stat-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:22px 22px;box-shadow:var(--shadow-sm);
}
.stat-card .growth-mark{margin-bottom:14px;}
.stat-card .stat-num{font-family:var(--font-mono);font-size:clamp(24px,3vw,32px);font-weight:600;color:var(--navy-900);}
.stat-card .stat-label{font-size:13.5px;color:var(--slate);margin-top:4px;}

/* ---------- Hero ---------- */
.hero{position:relative;padding:56px 0 90px;overflow:hidden;background:
  radial-gradient(1100px 520px at 82% -10%, var(--cyan-100), transparent 60%),
  var(--paper);
}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;}
.hero-copy{min-width:0;}
.hero-copy h1{font-size:clamp(30px,3.6vw,52px);white-space:normal;}
.hero-copy p.lede{font-size:18px;color:var(--slate);margin:20px 0 30px;max-width:520px;}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:34px;}
.hero-trust{display:flex;gap:26px;flex-wrap:wrap;padding-top:26px;border-top:1px solid var(--line);}
.hero-trust .t-item{display:flex;flex-direction:column;}
.hero-trust .t-num{font-family:var(--font-mono);font-weight:600;font-size:22px;color:var(--navy-900);}
.hero-trust .t-label{font-size:12.5px;color:var(--slate);}

.hero-visual{position:relative;padding-top:22px;}
.hero-visual .photo{border-radius:28px;box-shadow:var(--shadow-lg);}
.hero-float-card{
  position:absolute;left:-30px;bottom:-26px;background:#fff;border-radius:18px;
  padding:16px 20px;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:14px;
  border:1px solid var(--line);z-index:2;
}
.hero-float-card .growth-mark{height:30px;}
.hero-float-card .hf-num{font-family:var(--font-mono);font-weight:600;font-size:19px;color:var(--navy-900);}
.hero-float-card .hf-label{font-size:12px;color:var(--slate);}
.hero-badge{
  position:absolute;top:0;right:24px;background:var(--navy-900);color:#fff;
  padding:10px 16px;border-radius:14px;font-size:12.5px;font-weight:600;box-shadow:var(--shadow);
  display:flex;align-items:center;gap:8px;z-index:2;
}
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:40px;}
  .hero-visual{order:-1;padding-top:20px;}
  .hero-float-card{left:14px;bottom:-20px;padding:12px 16px;}
  .hero-badge{top:0;right:12px;}
}

/* ---------- Page (inner) hero ---------- */
.page-hero{
  background:linear-gradient(155deg, var(--navy-900), var(--navy-700) 60%, var(--cyan-700));
  color:#fff;padding:46px 0 44px;position:relative;overflow:hidden;
}
.page-hero::after{content:'';position:absolute;right:-60px;top:-60px;width:320px;height:320px;border-radius:50%;
  background:radial-gradient(circle, rgba(11,167,225,.35), transparent 70%);}
.breadcrumbs{display:flex;gap:8px;align-items:center;font-size:13px;color:#b9c6da;margin-bottom:14px;flex-wrap:wrap;}
.breadcrumbs a{color:#dbe6f2;font-weight:600;}
.breadcrumbs a:hover{color:var(--cyan-400);}
.page-hero h1{color:#fff;font-size:clamp(26px,3.6vw,42px);white-space:nowrap;position:relative;z-index:1;}
@media (max-width:640px){ .page-hero h1{white-space:normal;} }
.page-hero p{color:#c9d4e2;max-width:640px;margin-top:12px;font-size:15.5px;position:relative;z-index:1;}

/* ---------- Cards / grids ---------- */
.grid{display:grid;gap:26px;}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media (max-width:980px){ .grid-4{grid-template-columns:repeat(2,1fr);} .grid-3{grid-template-columns:repeat(2,1fr);} }
@media (max-width:640px){ .grid-4,.grid-3,.grid-2{grid-template-columns:1fr;} }

.service-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow-sm);transition:transform .2s ease, box-shadow .2s ease;display:flex;flex-direction:column;
}
.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);}
.service-card .photo{border-radius:0;}
.service-card .sc-body{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1;}
.service-card .sc-num{font-family:var(--font-mono);font-size:12px;color:var(--cyan-700);font-weight:600;margin-bottom:8px;}
.service-card h3{font-size:19px;margin-bottom:8px;}
.service-card p{font-size:14px;color:var(--slate);flex:1;margin-bottom:16px;}
.service-card .sc-link{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:13.5px;color:var(--navy-900);}
.service-card .sc-link svg{width:14px;height:14px;transition:transform .2s;}
.service-card:hover .sc-link svg{transform:translateX(4px);}

.icon-badge{
  width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;flex:none;
  background:var(--cyan-100);color:var(--cyan-700);
}
.icon-badge svg{width:24px;height:24px;}

/* ---------- Steps (growth-step signature layout) ---------- */
.growth-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;align-items:end;margin-top:10px;}
.growth-step{
  position:relative;background:#fff;border:1px solid var(--line);border-left:none;
  padding:30px 22px 26px;
}
.growth-step:first-child{border-left:1px solid var(--line);border-radius:var(--radius) 0 0 var(--radius);}
.growth-step:last-child{border-radius:0 var(--radius) var(--radius) 0;}
.growth-step:nth-child(1){padding-bottom:56px;}
.growth-step:nth-child(2){padding-bottom:40px;}
.growth-step:nth-child(3){padding-bottom:24px;}
.growth-step:nth-child(4){padding-bottom:8px;background:var(--navy-900);border-color:var(--navy-900);}
.growth-step:nth-child(4) h3, .growth-step:nth-child(4) p{color:#fff;}
.growth-step:nth-child(4) .step-idx{color:var(--cyan-400);}
.growth-step .step-idx{font-family:var(--font-mono);font-size:12px;color:var(--cyan-700);font-weight:600;display:block;margin-bottom:12px;}
.growth-step h3{font-size:16.5px;margin-bottom:8px;}
.growth-step p{font-size:13.5px;color:var(--slate);}
@media (max-width:980px){
  .growth-steps{grid-template-columns:1fr;}
  .growth-step, .growth-step:first-child, .growth-step:last-child{border-radius:var(--radius) !important;border:1px solid var(--line) !important;margin-bottom:14px;padding-bottom:26px !important;}
  .growth-step:nth-child(4){border-color:var(--navy-900) !important;}
}

/* ---------- Split section (image + content), reverses on mobile ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
.split.rev{grid-template-columns:1fr 1fr;}
.split.rev .split-media{order:2;}
.split.rev .split-copy{order:1;}
@media (max-width:900px){
  .split, .split.rev{grid-template-columns:1fr;}
  .split .split-media, .split.rev .split-media{order:-1;}
  .split .split-copy, .split.rev .split-copy{order:2;}
}
.split-copy ul.tick-list{margin-top:18px;display:flex;flex-direction:column;gap:16px;}
.split-copy ul.tick-list li{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;line-height:1.6;color:var(--slate);}
.split-copy ul.tick-list svg{width:19px;height:19px;flex:none;color:var(--cyan-700);margin-top:1px;}

/* ---------- Testimonial / partner strip ---------- */
.partner-strip{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:14px;display:grid;grid-template-columns:repeat(6,1fr);gap:12px;}
.partner-badge{
  border:1px solid var(--line-soft);border-radius:12px;padding:16px 10px;text-align:center;
  font-family:var(--font-display);font-weight:700;font-size:13px;color:var(--navy-700);
  background:var(--paper);transition:.2s;
}
.partner-badge:hover{background:var(--navy-900);color:#fff;transform:translateY(-3px);}
@media (max-width:900px){ .partner-strip{grid-template-columns:repeat(3,1fr);} }
@media (max-width:520px){ .partner-strip{grid-template-columns:repeat(2,1fr);} }

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(120deg, var(--navy-900), var(--navy-700) 55%, var(--cyan-700));
  border-radius:32px;padding:56px;color:#fff;position:relative;overflow:hidden;
}
.cta-band::after{content:'';position:absolute;inset:0;background:radial-gradient(600px 300px at 90% 10%, rgba(11,167,225,.35), transparent 70%);}
.cta-band-inner{position:relative;z-index:1;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap;}
.cta-band h2{color:#fff;font-size:clamp(24px,3vw,34px);max-width:560px;}
.cta-band p{color:#c9d4e2;margin-top:10px;max-width:460px;}
.cta-band-actions{display:flex;gap:14px;flex-wrap:wrap;}
@media (max-width:640px){ .cta-band{padding:34px 24px;border-radius:22px;} }

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-900);color:#b9c6da;padding-top:70px;}
.footer-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:50px;}
.footer-brand-card{background:#fff;display:inline-flex;padding:6px 12px;border-radius:14px;margin-bottom:18px;}
.footer-brand-card img{height:72px;}
.site-footer p.f-desc{font-size:14px;line-height:1.7;color:#9fb0c6;max-width:320px;}
.f-badge-row{display:flex;gap:10px;margin-top:18px;flex-wrap:wrap;}
.f-badge{font-family:var(--font-mono);font-size:11px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);padding:6px 11px;border-radius:99px;color:#c9d4e2;}
.footer-col h4{color:#fff;font-family:var(--font-display);font-size:15px;margin-bottom:18px;}
.footer-col ul{display:flex;flex-direction:column;gap:11px;}
.footer-col a{font-size:13.5px;color:#9fb0c6;transition:color .15s;}
.footer-col a:hover{color:var(--cyan-400);}
.footer-contact li{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:#9fb0c6;}
.footer-contact svg{width:16px;height:16px;flex:none;margin-top:2px;color:var(--cyan-400);}
.footer-grievance-bar{
  display:flex;align-items:center;gap:10px;flex-wrap:wrap;
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:14px;
  padding:14px 22px;margin-top:8px;font-size:13px;color:#9fb0c6;
}
.footer-grievance-bar svg{color:var(--cyan-400);flex:none;}
.footer-grievance-bar b{color:#fff;font-family:var(--font-display);font-weight:700;}
.footer-grievance-bar a{color:var(--cyan-400);font-weight:600;}
.footer-grievance-bar .fg-link{display:inline-flex;align-items:center;gap:5px;}
.footer-grievance-bar .fg-sep{opacity:.35;}
@media (max-width:640px){ .footer-grievance-bar{padding:14px 18px;} .footer-grievance-bar .fg-sep{display:none;} .footer-grievance-bar{flex-direction:column;align-items:flex-start;gap:6px;} }

.footer-disclaimer{border-top:1px solid rgba(255,255,255,.1);padding:34px 0;}
.footer-disclaimer p{font-size:12px;line-height:1.85;color:#8393aa;margin-bottom:12px;}
.footer-disclaimer b{color:#c9d4e2;}
.footer-disclaimer a{color:var(--cyan-400);font-weight:600;}

.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);padding:20px 0;display:flex;justify-content:space-between;
  align-items:center;gap:16px;flex-wrap:wrap;font-size:12.5px;color:#7d8ea6;
}
.footer-bottom .f-links{display:flex;gap:18px;flex-wrap:wrap;}
.footer-bottom a{color:#7d8ea6;}
.footer-bottom a:hover{color:var(--cyan-400);}

@media (max-width:980px){ .footer-top{grid-template-columns:1fr 1fr;} }
@media (max-width:640px){ .footer-top{grid-template-columns:1fr;gap:34px;} }

/* ---------- Floating widgets ---------- */
.float-stack{position:fixed;left:18px;bottom:22px;z-index:150;display:flex;flex-direction:column;gap:12px;}
.float-btn{
  width:54px;height:54px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  box-shadow:0 10px 26px rgba(20,31,48,.28);transition:transform .18s ease;
}
.float-btn:hover{transform:scale(1.08);}
.float-btn svg{width:25px;height:25px;}
.float-btn.whatsapp{background:#25D366;color:#fff;}
.float-btn.call{background:var(--navy-900);color:#fff;}
.float-btn.call{animation:pulse-ring 2.6s infinite;}
@keyframes pulse-ring{
  0%{box-shadow:0 10px 26px rgba(20,31,48,.28), 0 0 0 0 rgba(66,91,127,.5);}
  70%{box-shadow:0 10px 26px rgba(20,31,48,.28), 0 0 0 14px rgba(66,91,127,0);}
  100%{box-shadow:0 10px 26px rgba(20,31,48,.28), 0 0 0 0 rgba(66,91,127,0);}
}
.scroll-top{
  position:fixed;right:18px;bottom:22px;z-index:150;width:50px;height:50px;border-radius:50%;
  background:#fff;border:1px solid var(--line);color:var(--navy-900);display:flex;align-items:center;justify-content:center;
  box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(12px);transition:.25s;
}
.scroll-top.show{opacity:1;visibility:visible;transform:translateY(0);}
.scroll-top svg{width:20px;height:20px;}
@media (max-width:640px){
  .float-stack{left:12px;bottom:16px;} .scroll-top{right:12px;bottom:16px;}
  .float-btn{width:48px;height:48px;} .float-btn svg{width:21px;height:21px;}
}

/* ---------- Disclaimer modal ---------- */
.modal-overlay{
  position:fixed;inset:0;background:rgba(12,18,29,.72);z-index:500;
  display:flex;align-items:center;justify-content:center;padding:20px;
  opacity:0;visibility:hidden;transition:opacity .25s;
}
.modal-overlay.show{opacity:1;visibility:visible;}
.modal-box{
  background:#fff;border-radius:22px;max-width:640px;width:100%;max-height:88vh;overflow-y:auto;
  padding:34px 34px 28px;box-shadow:var(--shadow-lg);transform:translateY(16px);transition:transform .25s;
}
.modal-overlay.show .modal-box{transform:translateY(0);}
.modal-box h3{font-size:21px;margin-bottom:14px;display:flex;align-items:center;gap:10px;}
.modal-box h3 svg{width:22px;height:22px;color:var(--cyan-700);}
.modal-box p{font-size:13.5px;color:var(--slate);line-height:1.75;margin-bottom:12px;}
.modal-box .modal-actions{display:flex;gap:12px;margin-top:22px;flex-wrap:wrap;}

/* ---------- Forms ---------- */
.field{margin-bottom:18px;}
.field label{display:block;font-size:13px;font-weight:700;color:var(--navy-900);margin-bottom:7px;}
.field input, .field select, .field textarea{
  width:100%;padding:13px 15px;border-radius:11px;border:1.5px solid var(--line);background:#fff;font-size:14.5px;transition:border .15s;
}
.field input:focus, .field select:focus, .field textarea:focus{border-color:var(--cyan);}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media (max-width:560px){ .field-row{grid-template-columns:1fr;} }
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:34px;box-shadow:var(--shadow-sm);}

/* ---------- Login page ---------- */
.portal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
@media (max-width:900px){ .portal-grid{grid-template-columns:1fr;} }
.portal-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;height:100%;}
.portal-card .icon-badge{margin-bottom:18px;width:58px;height:58px;border-radius:16px;}
.portal-card h3{font-size:20px;margin-bottom:10px;}
.portal-card p{font-size:13.5px;color:var(--slate);flex:1;margin-bottom:20px;}
.security-note{
  display:flex;gap:14px;background:var(--cyan-100);border:1px solid var(--cyan-200);border-radius:var(--radius);padding:20px 22px;margin-top:36px;
}
.security-note svg{width:26px;height:26px;color:var(--cyan-700);flex:none;}
.security-note p{font-size:13.5px;color:var(--navy-700);line-height:1.7;}
.security-note b{color:var(--navy-900);}

/* ---------- Calculators ---------- */
.calc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--shadow-sm);}
.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start;}
@media (max-width:900px){ .calc-layout{grid-template-columns:1fr;} }
.range-field{margin-bottom:22px;}
.range-field .rf-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;}
.range-field label{font-size:13.5px;font-weight:700;color:var(--navy-900);}
.range-field .rf-val{font-family:var(--font-mono);font-weight:600;color:var(--cyan-700);font-size:14px;}
input[type=range]{-webkit-appearance:none;width:100%;height:6px;border-radius:99px;background:var(--line);}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--cyan);border:3px solid #fff;box-shadow:0 2px 8px rgba(11,167,225,.5);cursor:pointer;}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--cyan);border:3px solid #fff;box-shadow:0 2px 8px rgba(11,167,225,.5);cursor:pointer;}
.calc-result{background:var(--navy-900);border-radius:var(--radius-lg);padding:32px;color:#fff;height:100%;}
.calc-result .cr-row{display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.12);}
.calc-result .cr-row:last-child{border-bottom:none;}
.calc-result .cr-label{font-size:13px;color:#b9c6da;}
.calc-result .cr-val{font-family:var(--font-mono);font-weight:600;font-size:17px;}
.calc-result .cr-big{text-align:center;padding:14px 0 26px;}
.calc-result .cr-big .cr-num{font-family:var(--font-mono);font-size:clamp(28px,3.4vw,38px);font-weight:600;color:var(--cyan-400);}
.calc-result .cr-big .cr-cap{font-size:12.5px;color:#b9c6da;margin-top:6px;}
.calc-bar{height:10px;border-radius:99px;background:rgba(255,255,255,.12);overflow:hidden;display:flex;margin:18px 0 6px;}
.calc-bar span{height:100%;}
.calc-bar .invested{background:var(--navy-300);}
.calc-bar .returns{background:var(--cyan);}
.calc-legend{display:flex;gap:18px;font-size:12px;color:#b9c6da;}
.calc-legend span{display:flex;align-items:center;gap:6px;}
.calc-legend i{width:9px;height:9px;border-radius:2px;display:inline-block;}

/* ---------- Blog ---------- */
.blog-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;transition:.2s;}
.blog-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);}
.blog-card .photo{border-radius:0;}
.blog-meta{display:flex;gap:14px;font-size:12px;color:var(--slate-light);font-family:var(--font-mono);margin-bottom:10px;}
.blog-card .bc-body{padding:22px;display:flex;flex-direction:column;flex:1;}
.blog-card h3{font-size:18px;margin-bottom:10px;}
.blog-card p{font-size:13.5px;color:var(--slate);margin-bottom:16px;flex:1;}
.blog-tag{display:inline-block;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--cyan-700);background:var(--cyan-100);padding:4px 10px;border-radius:99px;margin-bottom:12px;width:fit-content;}
article.post-body{font-size:16.5px;line-height:1.85;color:#2b3849;}
article.post-body h2{font-size:24px;margin:38px 0 14px;}
article.post-body h3{font-size:19px;margin:28px 0 12px;color:var(--navy-900);}
article.post-body p{margin-bottom:18px;}
article.post-body ul{margin:0 0 18px 22px;list-style:disc;}
article.post-body li{margin-bottom:8px;}
article.post-body blockquote{border-left:3px solid var(--cyan);padding:4px 22px;color:var(--slate);font-style:italic;margin:24px 0;}

/* ---------- Table (policy pages, calculators) ---------- */
table.data-table{width:100%;border-collapse:collapse;margin:20px 0;font-size:14px;}
table.data-table th{background:var(--navy-900);color:#fff;text-align:left;padding:12px 16px;font-weight:600;}
table.data-table td{padding:12px 16px;border-bottom:1px solid var(--line);color:var(--slate);}
table.data-table tr:nth-child(even) td{background:var(--paper);}

/* ---------- Policy page (simple, no sidebar, 85% width) ---------- */
.policy-wrap{width:85%;max-width:1300px;margin:0 auto;}
.updated-plain{font-family:var(--font-mono);font-size:12.5px;color:var(--slate-light);margin-bottom:30px;display:flex;align-items:center;gap:6px;}
.policy-wrap h2{font-size:23px;color:var(--navy-900);margin:0 0 14px;scroll-margin-top:calc(var(--header-h) + var(--topbar-h) + 24px);}
.policy-wrap h2:not(:first-of-type){margin-top:38px;}
.policy-wrap p{margin-bottom:14px;color:var(--slate);font-size:15.5px;line-height:1.8;}
.policy-wrap ul{margin:0 0 16px 2px;list-style:none;display:flex;flex-direction:column;gap:9px;}
.policy-wrap li{position:relative;padding-left:20px;color:var(--slate);font-size:15px;line-height:1.7;}
.policy-wrap li::before{content:'';position:absolute;left:0;top:8px;width:7px;height:7px;background:var(--cyan);border-radius:2px;}
@media (max-width:768px){ .policy-wrap{width:90%;} }

/* ---------- Important links / FAQ ---------- */
.link-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;}
@media (max-width:700px){ .link-grid{grid-template-columns:1fr;} }
.link-item{
  display:flex;align-items:center;justify-content:space-between;gap:14px;background:#fff;
  border:1px solid var(--line);border-radius:14px;padding:18px 20px;transition:.18s;
}
.link-item:hover{border-color:var(--cyan);box-shadow:var(--shadow-sm);}
.link-item .li-left{display:flex;align-items:center;gap:14px;}
.link-item .li-left b{display:block;font-size:14.5px;color:var(--navy-900);}
.link-item .li-left span{display:block;font-size:12.5px;color:var(--slate);}
.link-item svg{width:16px;height:16px;color:var(--cyan-700);flex:none;}

.accordion-item{border-bottom:1px solid var(--line);}
.accordion-q{display:flex;justify-content:space-between;align-items:center;padding:20px 4px;font-weight:700;font-size:15px;color:var(--navy-900);width:100%;text-align:left;}
.accordion-q svg{width:16px;height:16px;flex:none;transition:transform .2s;color:var(--cyan-700);}
.accordion-item.open .accordion-q svg{transform:rotate(45deg);}
.accordion-a{max-height:0;overflow:hidden;transition:max-height .25s ease;}
.accordion-a p{padding:0 4px 20px;color:var(--slate);font-size:14.5px;line-height:1.75;}

/* ---------- Map ---------- */
.map-full{width:100%;height:460px;border:none;display:block;filter:grayscale(.15);}

/* ---------- Misc ---------- */
.badge-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px;}
.pill{display:inline-flex;align-items:center;gap:7px;font-size:12.5px;font-weight:600;color:var(--navy-700);background:var(--paper-deep);border:1px solid var(--line);padding:7px 13px;border-radius:99px;}
.pill svg{width:13px;height:13px;color:var(--cyan-700);}
.divider-diag{height:60px;background:linear-gradient(120deg, var(--navy-900) 0 50%, transparent 50%);opacity:.04;}
.text-center{text-align:center;}
.mt-0{margin-top:0 !important;}
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease, transform .6s ease;}
.reveal.in{opacity:1;transform:translateY(0);}