/* WCAG-friendly responsive styles for modern SEBI RIA website */
:root {
  --navy: #1A3F6F;
  --navy-dark: #0B2341;
  --gold: #C89B3C;
  --gold-lt:   #fcb645;
  --blue:      #185FA5;
  --blue-deep: #2B6CB8;
  --sky: #a7e6ff;
  --frost: #eef5ff;
  --surface: #ffffff;
  --text: #0B2341;
  --muted: #374962;
  --muted-light: #5A7080;
  --radius: 18px;
  --shadow-sm: 0 4px 6px rgba(11, 35, 65, 0.08);
  --shadow-md: 0 10px 20px rgba(11, 35, 65, 0.12);
  --shadow-lg: 0 20px 40px rgba(11, 35, 65, 0.16);
  --shadow-xl: 0 30px 60px rgba(11, 35, 65, 0.2);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", sans-serif;
  background: var(--frost);
  color: var(--text);
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes slideInRight {
  from {
    opacity: 0;
    transform: translateX(-20px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

body {
  margin: 0;
  min-height: 100vh;
}

a {
  color: inherit;
  text-decoration: none;
}

a:hover,
button:hover,
input:focus,
textarea:focus,
select:focus {
  box-shadow: 0 3px 0 0 var(--gold);
  outline-offset: 3px;
}

img {
  max-width: 100%;
  display: block;
}

.skip-link {
  position: absolute;
  top: -44px;
  left: 1rem;
  background: var(--gold);
  color: var(--navy-dark);
  padding: 0.75rem 1rem;
  z-index: 999;
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 1rem;
}

.page-shell {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

.header {
  background: linear-gradient(180deg, rgba(26,63,111,0.98), rgba(11,35,65,1));
  color: #ffffff;
  position: sticky;
  width: 100%;
  max-width: none;
  margin: 0;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.15);
  transition: all var(--transition);
}

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.85rem 1.5rem 0.75rem;
  min-height: 5.8rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  flex: 0 0 auto;
  padding: 0.35rem 0.35rem;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 1.5rem;
  box-shadow: 0 8px 24px rgba(0,0,0,0.15);
  backdrop-filter: blur(10px);
  transition: all var(--transition);
}

.brand:hover {
  background: rgba(255,255,255,0.15);
  box-shadow: 0 12px 32px rgba(0,0,0,0.2);
}

.brand img {
  height: 6rem;
  width: auto;
  max-width: none;
  border-radius: 14px;
  background: #ffffff;
  padding: 0.35rem;
}

.brand-text {
  display: none;
}

.brand-text strong {
  font-size: 1rem;
  letter-spacing: 0.06em;
}

.brand-text small {
  display: block;
  color: rgba(255,255,255,0.8);
  margin-top: 0.15rem;
}

.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

.nav-links a {
  color: #fff;
  font-weight: 500;
  position: relative;
  transition: color var(--transition);
  padding-bottom: 0.5rem;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}

.nav-links a:hover::after {
  width: 100%;
}

.nav-links a[aria-current="page"] {
  border-bottom: none;
  padding-bottom: 0.5rem;
}

.nav-links a[aria-current="page"]::after {
  width: 100%;
}

.menu-toggle {
  display: none;
  border: 1px solid rgba(255,255,255,0.3);
  background: rgba(255,255,255,0.08);
  color: #fff;
  padding: 0.75rem 0.9rem;
  border-radius: 999px;
}

.hero {
  padding: 4rem 1.5rem 3rem;
  max-width: 100%;
  margin: 0;
  background: linear-gradient(135deg, rgba(26,63,111,0.96) 0%, rgba(11,35,65,0.99) 100%);
  color: #ffffff;
  width: 100%;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -50%;
  width: 100%;
  height: 100%;
  background: radial-gradient(circle, rgba(200, 155, 60, 0.1) 0%, transparent 70%);
  pointer-events: none;
  animation: float 20s ease-in-out infinite;
}

.hero > * {
  position: relative;
  z-index: 1;
}

@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-30px); }
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(280px, 0.9fr);
  gap: 2rem;
  align-items: center;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.hero h1,
.section-title {
  margin: 0;
  line-height: 1.05;
}

.hero h1 {
  font-size: clamp(2.5rem, 4vw, 4rem);
  max-width: 15ch;
}

.hero p {
  color: #f4f7ff;
  font-size: 1.05rem;
  line-height: 1.9;
  max-width: 60rem;
}

.hero .section-copy {
  color: #f4f7ff;
}

.section-copy {
  color: var(--muted);
  font-size: 1.05rem;
  line-height: 1.9;
  max-width: 60rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 2rem;
}

.primary-button,
.secondary-button {
  border: none;
  cursor: pointer;
  font-weight: 600;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.95rem 1.6rem;
  transition: all var(--transition);
  box-shadow: 0 4px 12px rgba(11, 35, 65, 0.15);
}

.primary-button {
  background: var(--gold);
  color: var(--navy-dark);
}

.primary-button:hover {
  background: var(--gold-lt);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(200, 155, 60, 0.3);
}

.primary-button:active {
  transform: translateY(0);
}

.secondary-button {
  background: rgba(255,255,255,0.14);
  color: #fff;
  border: 1px solid rgba(255,255,255,0.24);
}

.secondary-button:hover {
  background: rgba(255,255,255,0.2);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.2);
}

.section {
  padding: 1rem 1.5rem;
  max-width: 1180px;
  margin: 0 auto;
}

.section.light {
  background: var(--frost);
}

.section h2,
.section h3 {
  color: var(--navy-dark);
}

.section h2 {
  font-size: clamp(1.4rem, 1.75vw, 1.75rem);
  font-weight: 600;
  margin-bottom: 1rem;
}

.section h3 {
  font-size: 1.1rem;
  font-weight: 600;
  margin-top: 0;
}

.section p,
.section li {
  color: var(--muted);
  line-height: 1.75;
}

.grid-3,
.grid-2 {
  display: grid;
  gap: 1.75rem;
}

.grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card {
  background: #fff;
  border: 1px solid rgba(11,35,65,0.08);
  border-radius: var(--radius);
  padding: 1.75rem;
  box-shadow: var(--shadow-md);
  transition: all var(--transition);
  animation: fadeInUp 0.6s ease-out;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(11,35,65,0.12);
}

.card h3 {
  margin-top: 0;
  color: var(--navy-dark);
  transition: color var(--transition);
}

.card:hover h3 {
  color: var(--blue);
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  margin-top: 1rem;
}

.contact-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.5rem;
  min-width: 1.5rem;
  color: var(--blue-deep);
}

.contact-icon svg {
  width: 100%;
  height: 100%;
}

.contact-item p {
  margin: 0 !important;
  line-height: 1.6;
}

.card p {
  margin: 0.85rem 0 0;
}

.list-icons {
  list-style: none;
  padding: 0;
  margin: 0;
}

.list-icons li {
  display: flex;
  gap: 0.8rem;
  margin-bottom: 0.95rem;
}

.list-icons li::before {
  content: "✓";
  color: var(--gold);
  font-weight: 700;
}

.feature-block {
  background: linear-gradient(135deg, rgba(235,243,255,0.95) 0%, #ffffff 100%);
  border: 1px solid rgba(11,35,65,0.1);
  border-radius: var(--radius);
  padding: 2rem;
  color:#0B2341;
  box-shadow: var(--shadow-md);
  transition: all var(--transition);
  animation: slideInRight 0.7s ease-out;
}

.feature-block:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.footer {
  background: linear-gradient(180deg, var(--navy-dark) 0%, #051a2f 100%);
  color: rgba(255,255,255,0.9);
  padding: 2rem 1.5rem;
  position: relative;
  overflow: hidden;
}

.footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(200, 155, 60, 0.5), transparent);
}

.footer-text {
  line-height: 1.60;
  animation: fadeIn 0.8s ease-out;
}
.footer-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr)
}

.footer a {
  color: rgba(255,255,255,0.85);
}

.footer a:hover {
  color: var(--gold);
}

.form-grid {
  display: grid;
  gap: 1rem;
}

.footer-copy {
    margin-top:1.5rem;
    color: rgba(255,255,255,0.6);
    text-align: center;
    line-height: 1.6;
}

.footer-disclaimer {
    margin-top: 1.5rem;
    padding-top: 1.25rem;
    border-top: 1px solid rgba(255,255,255,0.12);
    color: rgba(255,255,255,0.72);
    font-size: 1rem;
    line-height: 1.65;
    text-align: center;
    margin-left: auto;
    margin-right: auto;
}
.footer-disclaimer p { margin: 0 0 0.6rem; }
.footer-disclaimer p:last-child { margin-bottom: 0; }
.footer-disclaimer strong { color: rgba(255,255,255,0.92); }

.form-field {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

label {
  font-weight: 600;
}

input,
textarea,
select {
  border: 1px solid rgba(11,35,65,0.2);
  border-radius: 16px;
  padding: 0.95rem 1rem;
  background: #fff;
  color: var(--navy-dark);
  font: inherit;
  transition: all var(--transition);
}

input:focus,
textarea:focus,
select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(24, 95, 165, 0.1);
  transform: translateY(-2px);
}

textarea {
  min-height: 140px;
  resize: vertical;
}

fieldset {
  border: 1px solid rgba(11,35,65,0.15);
  border-radius: 18px;
  padding: 1rem 1.2rem;
}

legend {
  font-weight: 700;
}

small {
  color: var(--muted);
}

/* Disclosure tables */
.table-wrap {
  overflow-x: auto;
  margin: 1.25rem 0;
}

.disc-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.93rem;
  color: var(--muted);
}

.disc-table th {
  background: var(--navy);
  color: #fff;
  font-weight: 600;
  padding: 0.65rem 0.85rem;
  text-align: left;
  border: 1px solid rgba(255,255,255,0.15);
}

.disc-table td {
  padding: 0.6rem 0.85rem;
  border: 1px solid rgba(11,35,65,0.12);
  vertical-align: top;
}

.disc-table tr:nth-child(even) td {
  background: var(--frost);
}

.disc-table tfoot td {
  font-weight: 700;
  background: rgba(11,35,65,0.06);
}

.notice-box {
  background: #fff8e6;
  border-left: 4px solid var(--gold);
  padding: 1rem 1.25rem;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 1rem 0;
  color: var(--text);
  font-size: 0.93rem;
  line-height: 1.7;
}

.disc-ol {
  padding-left: 1.4rem;
  color: var(--muted);
  line-height: 1.8;
}

.disc-ol li {
  margin-bottom: 0.6rem;
}

.sub-heading {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin: 1.5rem 0 0.4rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

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

@media (max-width: 900px) {
  .hero-grid,
  .grid-3,
  .grid-2,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero {
    padding: 3rem 1.5rem;
  }
}

@media (max-width: 760px) {
  .navbar {
    position: relative;
    flex-wrap: nowrap;
    align-items: flex-start;
    min-height: 6.8rem;
  }

  .brand {
    flex: 0 0 auto;
  }

  .menu-toggle {
    display: inline-flex;
    position: absolute;
    bottom: 0.85rem;
    right: 1.5rem;
  }

  .nav-links {
    /* Full-screen overlay; sticky header (z-index:20) sits visually on top */
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;       /* fallback for browsers without dvh */
    height: 100dvh;  /* accounts for mobile browser chrome */
    flex-direction: column;
    align-items: stretch;
    display: none;
    margin: 0;
    /* padding-top clears the sticky header (~9rem brand + navbar padding) */
    padding: 9.5rem 1.25rem 2rem;
    background: rgba(11,35,65,0.98);
    border-radius: 0;
    overflow-y: auto;
    overscroll-behavior: contain;
    -webkit-overflow-scrolling: touch;
    z-index: 19;
    gap: 0.25rem;
  }

  .nav-links.show {
    display: flex;
    animation: fadeInUp 0.2s ease-out;
  }

  /* Top divider line below header area inside mobile menu */
  .nav-links > a:first-child {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 0.75rem;
    margin-top: 0.25rem;
  }

  .nav-links > a,
  .nav-links > .nav-dropdown-wrap {
    padding: 0.65rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    font-size: 1.05rem;
  }

  .nav-links > a::after {
    display: none;
  }

  .hero p,
  .section-copy {
    font-size: 1rem;
  }

  .section {
    padding: 2rem 1rem;
  }
}

@media (max-width: 520px) {
  .hero h1 {
    font-size: clamp(2.4rem, 9vw, 3rem);
  }

  .primary-button,
  .secondary-button {
    width: 100%;
  }
}


.service-tag {
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
  display: block;
}

   /* Icon area */
    .service-icon {
      width: 64px;
      height: 64px;
      border-radius: 16px;
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 24px;
      flex-shrink: 0;
    }
    .service-icon svg {
      width: 32px;
      height: 32px;
    }

    .icon-blue  { background: rgba(24,95,165,0.1); }
    .icon-gold  { background: rgba(232,160,32,0.1); }
    .icon-navy  { background: rgba(12,41,82,0.08); }
    .icon-teal  { background: rgba(24,130,150,0.1); }
    .icon-green { background: rgba(34,139,80,0.1); }
    .icon-plum  { background: rgba(110,60,160,0.1); }

    .service-card {
      border-radius: 18px;
      padding: 40px 36px 36px;
      border: 1px solid rgba(133,183,235,0.25);
      box-shadow: var(--shadow-md);
      position: relative;
      overflow: hidden;
      transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
      display: flex;
      flex-direction: column;
      animation: fadeInUp 0.6s ease-out;
    }
    .service-card:hover {
      transform: translateY(-12px);
      box-shadow: var(--shadow-xl);
      border-color: rgba(24, 95, 165, 0.4);
    }
    .service-card::after {
      content: '';
      position: absolute;
      bottom: 0; left: 0; right: 0;
      height: 3px;
      background: linear-gradient(90deg, var(--blue), var(--gold));
      opacity: 0;
      transition: opacity 0.3s ease;
    }
    .service-card:hover::after { 
      opacity: 1;
    }

    /* ── CTA strip ── */
    .cta-strip {
      padding: 64px 40px;
      text-align: center;
      position: relative;
      overflow: hidden;
      background: radial-gradient(ellipse 50% 100% at 50% 50%, rgba(24,95,165,0.3) 0%, transparent 70%);
    }
    .cta-strip h2 {
      position: relative;
      font-family: 'Cormorant Garamond', serif;
      font-size: clamp(1.8rem, 3vw, 2.6rem);
      font-weight: 300;
      color: var(--white);
      margin-bottom: 14px;
    }
    .cta-strip p {
      position: relative;
      color: var(--skyblue);
      font-size: 0.95rem;
      margin-bottom: 32px;
      max-width: 440px;
      margin-left: auto;
      margin-right: auto;
    }
    
    .service-features {
      list-style: none;
      padding: 0;
      margin-left: 15px;
      display: flex;
      flex-direction: column;
      gap: 8px;
    }
    .service-features li {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      font-size: 0.875rem;
      color: var(--text);
    }
    .service-features li::before {
      content: '';
      width: 6px;
      height: 6px;
      border-radius: 50%;
      background: var(--gold);
      margin-top: 6px;
      flex-shrink: 0;
    }
    
    .service-card > p:last-of-type {
      margin-top: auto;
    }

     .service-btn {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      margin-top: 28px;
      padding: 12px 24px;
      border-radius: 50px;
      border: 1.5px solid var(--blue);
      background: transparent;
      color: var(--blue);
      font-family: 'DM Sans', sans-serif;
      font-size: 0.875rem;
      font-weight: 600;
      letter-spacing: 0.02em;
      text-decoration: none;
      cursor: pointer;
      transition: background 0.25s ease, color 0.25s ease, border-color 0.25s ease, transform 0.2s ease;
      align-self: flex-start;
    }
    .service-btn svg {
      width: 14px;
      height: 14px;
      transition: transform 0.25s ease;
    }
    .service-btn:hover {
      background: var(--blue-deep);
      color: var(--white) !important;
      color:white !important;      
    }
    .service-btn:hover svg {
      transform: translateX(3px);
    }
    /* Gold variant for gold-accented cards */
    .service-btn.gold {
      border-color: var(--gold);
      color: var(--gold);
    }
    .service-btn.gold:hover {
      background: var(--gold);
      color: var(--white);
    }
/* Enhanced Service Button Styling — filled by default, home-page lift on hover */
.service-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 28px;
  padding: 12px 24px;
  border-radius: 50px;
  border: 1.5px solid var(--blue);
  background: var(--blue);
  color: #fff;
  font-family: inherit;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-decoration: none;
  cursor: pointer;
  box-shadow: 0 4px 12px rgba(24, 95, 165, 0.2);
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  align-self: flex-start;
}

.service-btn svg {
  width: 14px;
  height: 14px;
  transition: transform 0.25s ease;
}

.service-btn:hover {
  background: #2E86DE;
  color: #fff !important;
  border-color: #2E86DE;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(46, 134, 222, 0.35);
}

.service-btn:hover svg {
  transform: translateX(3px);
}

.service-btn.gold {
  border-color: var(--gold);
  background: var(--gold);
  color: var(--navy-dark);
}

.service-btn.gold:hover {
  background: var(--gold-lt);
  color: var(--navy-dark) !important;
  border-color: var(--gold-lt);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(200, 155, 60, 0.3);
}

/* Section Animations */
.section {
  animation: fadeIn 0.6s ease-out;
}

.list-icons li {
  transition: transform var(--transition), color var(--transition);
}

.list-icons li:hover {
  transform: translateX(4px);
}

/* CTA Strip Enhancement */
.cta-strip {
  padding: 64px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, rgba(26,63,111,0.95) 0%, rgba(11,35,65,0.99) 100%);
  border-top: 1px solid rgba(200, 155, 60, 0.2);
  border-bottom: 1px solid rgba(200, 155, 60, 0.2);
  animation: fadeIn 0.8s ease-out;
}

.cta-strip::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: radial-gradient(ellipse 50% 100% at 50% 50%, rgba(200, 155, 60, 0.05) 0%, transparent 70%);
  pointer-events: none;
  animation: slide 15s linear infinite;
}

@keyframes slide {
  0% { transform: translateX(0); }
  100% { transform: translateX(100%); }
}

.cta-strip h2 {
  position: relative;
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 600;
  color: white;
  margin-bottom: 14px;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.cta-strip p {
  position: relative;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.95rem;
  margin-bottom: 32px;
  max-width: 440px;
  margin-left: auto;
  margin-right: auto;
}

/* Notice Box Enhancement */
.notice-box {
  background: linear-gradient(135deg, #fff8e6 0%, #fffbf0 100%);
  border-left: 4px solid var(--gold);
  padding: 1rem 1.25rem;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 1rem 0;
  color: var(--text);
  font-size: 0.93rem;
  line-height: 1.7;
  box-shadow: 0 4px 12px rgba(200, 155, 60, 0.08);
  transition: all var(--transition);
}

.notice-box:hover {
  box-shadow: 0 6px 16px rgba(200, 155, 60, 0.12);
}

/* Contact Icon Enhancement */
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.9rem;
  margin-top: 1rem;
  transition: transform var(--transition);
}

.contact-item:hover {
  transform: translateX(4px);
}

.contact-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.5rem;
  min-width: 1.5rem;
  color: var(--blue-deep);
  transition: transform var(--transition);
}

.contact-item:hover .contact-icon {
  transform: scale(1.1) rotate(5deg);
}

/* List Icons Enhancement */
.list-icons li::before {
  content: "✓";
  color: var(--gold);
  font-weight: 700;
  transition: all var(--transition);
}

.list-icons li:hover::before {
  transform: scale(1.2);
  color: var(--gold-lt);
}

/* Responsive Enhancements for Mobile */
@media (max-width: 768px) {
  .cta-strip {
    padding: 48px 24px;
  }
  
  .cta-strip h2 {
    font-size: 1.5rem;
  }
}

/* Smooth Focus Outline for Accessibility */
:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 4px;
}

/* Smooth Scrollbar for Chrome */
::-webkit-scrollbar {
  width: 8px;
}

::-webkit-scrollbar-track {
  background: var(--frost);
}

::-webkit-scrollbar-thumb {
  background: var(--blue);
  border-radius: 4px;
}

::-webkit-scrollbar-thumb:hover {
  background: var(--blue-deep);
}

/* ── Resources dropdown nav ── */
.nav-dropdown-wrap {
  position: relative;
}

/* Transparent bridge fills the gap between toggle and menu,
   keeping :hover active as the mouse moves between them */
.nav-dropdown-wrap::after {
  content: '';
  position: absolute;
  top: 100%;
  left: -10px;
  right: -10px;
  height: 12px;
  background: transparent;
}

.nav-dropdown-toggle {
  background: none;
  border: none;
  color: #fff;
  font-weight: 500;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0 0 0.5rem;
  font-size: 1rem;
  font-family: inherit;
  position: relative;
  transition: color var(--transition);
}

.nav-dropdown-toggle::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}

.nav-dropdown-toggle:hover::after,
.nav-dropdown-wrap.open .nav-dropdown-toggle::after {
  width: 100%;
}

.nav-dropdown-toggle .chevron {
  width: 14px;
  height: 14px;
  transition: transform var(--transition);
}

.nav-dropdown-wrap.open .chevron {
  transform: rotate(180deg);
}

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 6px);
  right: -8px;
  background: linear-gradient(180deg, rgba(26,63,111,0.99) 0%, rgba(11,35,65,1) 100%);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 14px;
  padding: 0.75rem 0.5rem;
  min-width: 560px;
  display: none;
  box-shadow: var(--shadow-lg);
  z-index: 200;
}
.nav-dropdown-menu::-webkit-scrollbar { width: 4px; }
.nav-dropdown-menu::-webkit-scrollbar-track { background: transparent; }
.nav-dropdown-menu::-webkit-scrollbar-thumb { background: rgba(255,255,255,0.2); border-radius: 2px; }
.nav-dropdown-menu::-webkit-scrollbar-thumb:hover { background: rgba(255,255,255,0.35); }

.nav-dropdown-menu.show {
  display: grid;
  grid-template-columns: 1fr 1fr;
  animation: fadeInUp 0.18s ease-out;
}

@media (hover: hover) and (pointer: fine) {
  .nav-dropdown-wrap:hover .nav-dropdown-menu {
    display: grid;
    grid-template-columns: 1fr 1fr;
    animation: fadeInUp 0.18s ease-out;
  }
  .nav-dropdown-wrap:hover .chevron {
    transform: rotate(180deg);
  }
  .nav-dropdown-wrap:hover .nav-dropdown-toggle::after {
    width: 100%;
  }
}

/* Two-column layout inside dropdown */
.dropdown-col {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.dropdown-col + .dropdown-col {
  border-left: 1px solid rgba(255,255,255,0.1);
  padding-left: 0.25rem;
}

.dropdown-section-label {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  padding: 0.15rem 0.8rem 0.45rem;
  margin: 0 0 0.3rem;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.nav-dropdown-menu a {
  padding: 0.55rem 0.8rem;
  border-radius: 8px;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.85);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  transition: background var(--transition), color var(--transition);
}

.nav-dropdown-menu a::after {
  display: none;
}

.nav-dropdown-menu a:hover {
  background: rgba(255,255,255,0.1);
  color: #fff;
  box-shadow: none;
}

@media (max-width: 760px) {
  .nav-dropdown-menu {
    position: static;
    min-width: 0;
    box-shadow: none;
    border: none;
    border-left: 2px solid rgba(200,155,60,0.5);
    border-radius: 0;
    background: transparent;
    padding: 0.25rem 0 0.25rem 0.75rem;
    margin-left: 0.5rem;
    animation: none;
  }

  .nav-dropdown-menu.show {
    display: flex;
    flex-direction: column;
    grid-template-columns: unset;
    animation: none;
  }

  .dropdown-col + .dropdown-col {
    border-left: none;
    padding-left: 0;
    border-top: 1px solid rgba(255,255,255,0.12);
    margin-top: 0.4rem;
    padding-top: 0.4rem;
  }

  .nav-dropdown-toggle {
    width: 100%;
    justify-content: space-between;
    padding: 0.5rem 0;
  }
}

/* ── Breadcrumb (shared: article hero + tool hero) ── */
.article-breadcrumb {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 0.85rem;
  display: flex;
  align-items: center;
  gap: 0.35rem;
  flex-wrap: wrap;
}
.article-breadcrumb a { color: rgba(255,255,255,0.55); text-decoration: none; }
.article-breadcrumb a:hover { color: var(--gold); box-shadow: none; }
.article-breadcrumb span { color: rgba(255,255,255,0.3); }

/* ── Tool pages ── */
.tool-hero {
  padding: 3rem 1.5rem 2.5rem;
  background: linear-gradient(135deg, rgba(26,63,111,0.96) 0%, rgba(11,35,65,0.99) 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}

.tool-hero::before {
  content: '';
  position: absolute;
  top: -60%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(200,155,60,0.08) 0%, transparent 65%);
  pointer-events: none;
}

.tool-hero > * { position: relative; z-index: 1; }

.tool-hero-inner {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.tool-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}

.tool-hero h1 {
  font-size: clamp(1.9rem, 3.5vw, 3rem);
  line-height: 1.1;
  margin: 0 0 0.9rem;
  max-width: 22ch;
}

.tool-hero p {
  color: rgba(255,255,255,0.85);
  font-size: 1.1rem;
  line-height: 1.8;
  max-width: 60ch;
  margin: 0;
}

.tool-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 3rem 1.5rem;
}

.tool-card {
  background: #fff;
  border: 1px solid rgba(11,35,65,0.08);
  border-radius: var(--radius);
  padding: 2.25rem 2rem;
  box-shadow: var(--shadow-md);
  margin-bottom: 1.5rem;
}

.tool-card h2 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin: 0 0 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.tool-card h2 svg {
  width: 20px;
  height: 20px;
  color: var(--blue);
  flex-shrink: 0;
}

.input-row {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  margin-bottom: 1.5rem;
}

.calc-field {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.calc-field label {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--muted);
  letter-spacing: 0.02em;
}

.calc-field input[type="number"],
.calc-field select {
  border: 1.5px solid rgba(11,35,65,0.15);
  border-radius: 12px;
  padding: 0.75rem 1rem;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy-dark);
  background: var(--frost);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.calc-field input[type="number"]:focus,
.calc-field select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(24,95,165,0.1);
  outline: none;
  transform: none;
}

.calc-field .hint {
  font-size: 0.87rem;
  color: var(--muted-light);
  margin-top: 0.1rem;
}

.calc-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  background: var(--blue);
  color: #fff;
  border: none;
  border-radius: 999px;
  padding: 0.9rem 2rem;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 4px 12px rgba(24,95,165,0.25);
  font-family: inherit;
}

.calc-btn:hover {
  background: var(--blue-deep);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(24,95,165,0.3);
}

.results-card {
  background: linear-gradient(135deg, var(--navy-dark) 0%, #0e3060 100%);
  border-radius: var(--radius);
  padding: 2rem;
  color: #fff;
  display: none;
  animation: fadeInUp 0.4s ease-out;
  margin-bottom: 1.5rem;
}

.results-card.visible { display: block; }

.results-card h3 {
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 1.25rem;
}

.results-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 1.25rem;
  margin-bottom: 1.5rem;
}

.result-stat {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: 1rem 1.1rem;
}

.result-stat .stat-label {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.65);
  margin-bottom: 0.35rem;
  font-weight: 500;
}

.result-stat .stat-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
}

.result-stat .stat-value.gold { color: var(--gold-lt); }
.result-stat .stat-value.green { color: #6ee7a0; }

.chart-area {
  margin-top: 1.25rem;
}

.chart-area h4 {
  font-size: 0.9rem;
  font-weight: 600;
  color: rgba(255,255,255,0.6);
  margin: 0 0 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.bar-chart {
  display: flex;
  align-items: flex-end;
  gap: 4px;
  height: 80px;
}

.bar-chart .bar-group {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  height: 100%;
  justify-content: flex-end;
}

.bar-chart .bar-invested {
  width: 100%;
  background: rgba(200,155,60,0.5);
  border-radius: 3px 3px 0 0;
  min-height: 2px;
  transition: height 0.5s ease;
}

.bar-chart .bar-gains {
  width: 100%;
  background: rgba(100,220,160,0.75);
  border-radius: 3px 3px 0 0;
  min-height: 2px;
  transition: height 0.5s ease;
}

.bar-chart .bar-label {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.45);
  margin-top: 4px;
  white-space: nowrap;
}

.chart-legend {
  display: flex;
  gap: 1rem;
  margin-top: 0.6rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
}

.chart-legend span {
  display: flex;
  align-items: center;
  gap: 0.35rem;
}

.chart-legend .dot {
  width: 10px;
  height: 10px;
  border-radius: 2px;
  flex-shrink: 0;
}

.tool-cta {
  background: linear-gradient(135deg, rgba(26,63,111,0.96) 0%, rgba(11,35,65,0.99) 100%);
  border-radius: var(--radius);
  padding: 2.25rem 2rem;
  text-align: center;
  color: #fff;
}

.tool-cta h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: #fff;
  margin: 0 0 0.6rem;
}

.tool-cta p {
  color: rgba(255,255,255,0.8);
  margin: 0 0 1.5rem;
  font-size: 1.05rem;
  line-height: 1.7;
  max-width: 50ch;
  margin-left: auto;
  margin-right: auto;
}

.tool-cta a.primary-button {
  background: var(--gold);
  color: var(--navy-dark);
  font-weight: 700;
}

/* Quiz styles */
.quiz-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 3rem 1.5rem;
}

.quiz-progress-bar {
  height: 4px;
  background: rgba(11,35,65,0.1);
  border-radius: 99px;
  margin-bottom: 2rem;
  overflow: hidden;
}

.quiz-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--blue), var(--gold));
  border-radius: 99px;
  transition: width 0.4s ease;
}

.quiz-step {
  display: none;
  animation: fadeInUp 0.35s ease-out;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.quiz-step.active { display: block; }

.quiz-result {
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.quiz-q-num {
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.5rem;
}

.quiz-step h2 {
  font-size: clamp(1.2rem, 2.5vw, 1.5rem);
  font-weight: 700;
  color: var(--navy-dark);
  margin: 0 0 1.5rem;
  line-height: 1.35;
}

.quiz-options {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.quiz-option {
  display: flex;
  align-items: flex-start;
  gap: 0.9rem;
  padding: 1rem 1.25rem;
  border: 1.5px solid rgba(11,35,65,0.12);
  border-radius: 12px;
  background: #fff;
  cursor: pointer;
  transition: all var(--transition);
  text-align: left;
  font-family: inherit;
  font-size: 1.02rem;
  color: var(--muted);
  line-height: 1.5;
  width: 100%;
}

.quiz-option:hover {
  border-color: var(--blue);
  background: var(--frost);
  color: var(--navy-dark);
  transform: translateX(4px);
}

.quiz-option.selected {
  border-color: var(--blue);
  background: rgba(24,95,165,0.06);
  color: var(--navy-dark);
  font-weight: 600;
}

.quiz-option .opt-letter {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  min-width: 26px;
  border-radius: 50%;
  background: rgba(11,35,65,0.07);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  transition: all var(--transition);
}

.quiz-option.selected .opt-letter {
  background: var(--blue);
  color: #fff;
}

.quiz-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 1.75rem;
}

.quiz-nav-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.75rem 1.4rem;
  border-radius: 999px;
  border: 1.5px solid rgba(11,35,65,0.15);
  background: #fff;
  color: var(--navy-dark);
  font-size: 0.97rem;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  transition: all var(--transition);
}

.quiz-nav-btn:hover {
  border-color: var(--blue);
  color: var(--blue);
  transform: translateY(-2px);
}

.quiz-nav-btn.primary {
  background: var(--blue);
  border-color: var(--blue);
  color: #fff;
}

.quiz-nav-btn.primary:hover {
  background: var(--blue-deep);
  border-color: var(--blue-deep);
  color: #fff;
}

.quiz-nav-btn:disabled {
  opacity: 0.35;
  cursor: not-allowed;
  transform: none;
}

.quiz-result {
  display: none;
  animation: fadeInUp 0.4s ease-out;
  text-align: center;
}

.quiz-result.active { display: block; }

.score-ring-wrap {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  margin-bottom: 2rem;
}

.score-ring {
  position: relative;
  width: 130px;
  height: 130px;
}

.score-ring svg {
  width: 130px;
  height: 130px;
  transform: rotate(-90deg);
}

.score-ring .score-track {
  fill: none;
  stroke: rgba(11,35,65,0.08);
  stroke-width: 10;
}

.score-ring .score-fill {
  fill: none;
  stroke-width: 10;
  stroke-linecap: round;
  transition: stroke-dashoffset 1s ease-out, stroke 0.4s;
}

.score-ring .score-text {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--navy-dark);
  line-height: 1;
}

.score-ring .score-text small {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--muted);
  margin-top: 2px;
}

.score-label {
  font-size: 1.2rem;
  font-weight: 700;
  margin-top: 0.75rem;
  color: var(--navy-dark);
}

.reco-list {
  text-align: left;
  margin: 1.5rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.reco-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.9rem 1.1rem;
  border-radius: 12px;
  border: 1px solid rgba(11,35,65,0.08);
  background: #fff;
  font-size: 1rem;
  color: var(--muted);
  line-height: 1.6;
}

.reco-item .reco-icon {
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 1px;
}

.reco-item strong { color: var(--navy-dark); }

@media (max-width: 600px) {
  .tool-card { padding: 1.5rem 1.1rem; }
  .results-card { padding: 1.5rem 1.1rem; }
  .tool-cta { padding: 1.75rem 1.25rem; }
  .input-row { grid-template-columns: 1fr; }
}

/* ── WhatsApp Floating Action Button ── */
.wa-fab {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25D366;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(37,211,102,0.45), 0 2px 8px rgba(0,0,0,0.15);
  z-index: 1000;
  text-decoration: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.wa-fab:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 24px rgba(37,211,102,0.55), 0 4px 12px rgba(0,0,0,0.2);
}
.wa-fab:focus-visible {
  outline: 3px solid #25D366;
  outline-offset: 3px;
}

/* ── Form select element ── */
.form-field select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid rgba(11,35,65,0.15);
  border-radius: 10px;
  font-size: 0.95rem;
  color: var(--text);
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23374962' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat right 1rem center;
  appearance: none;
  -webkit-appearance: none;
  cursor: pointer;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-field select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(24,95,165,0.12);
}

/* ── FAQ items on homepage ── */
.faq-home-item {
  background: #fff;
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  border: 1px solid rgba(133,183,235,0.2);
  margin-bottom: 10px;
  cursor: pointer;
  transition: box-shadow 0.2s, border-color 0.2s;
}
.faq-home-item:hover {
  box-shadow: 0 6px 18px rgba(11,35,65,0.09);
  border-color: rgba(24,95,165,0.25);
}
.faq-home-item summary {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy-dark);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq-home-item summary::-webkit-details-marker { display: none; }
.faq-home-item .faq-chevron {
  flex-shrink: 0;
  color: var(--gold);
  transition: transform 0.25s ease;
}
.faq-home-item[open] .faq-chevron { transform: rotate(180deg); }
.faq-home-item .faq-answer {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.75;
  margin: 0.9rem 0 0;
  border-top: 1px solid var(--frost);
  padding-top: 0.9rem;
}

/* ── WCAG 2.1 AA: contrast fixes for gold accents on light backgrounds ──
   Bright --gold (#C89B3C, 2.56:1 on white) fails AA as text/icons on light
   surfaces. Use a darker gold (#8c6510 ≈ 5.27:1 on white) only where gold sits
   on light backgrounds. On-dark gold usages (buttons, footer, results cards)
   are unchanged and already pass. */
.service-tag,
.list-icons li::before,
.faq-chevron { color: #8c6510; }
.list-icons li:hover::before { color: #7d5a0e; }

/* ── WCAG 2.1 AA (2.2.2 / 2.3.3): respect reduced-motion preference ── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

/* Preserve compact card-title sizing after fees h4->h3 promotion (heading-order fix) */
.included-card h3 { font-size: 1.02rem; font-weight: 700; margin: 0 0 0.35rem; line-height: 1.3; }

/* Author byline is a name, not a section heading — styled as text (heading-order fix) */
.author-box-name { font-weight: 700; font-size: 1rem; line-height: 1.3; margin: 0 0 0.3rem; color: var(--navy-dark); }