/* =========================================
   FinSteps Wealth — Main Stylesheet
   ========================================= */

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

/* --- CSS Custom Properties --- */
:root {
  --navy-dark:    #0d1b38;
  --navy:         #1a2d5a;
  --navy-mid:     #243368;
  --navy-light:   #2e4080;
  --blue-royal:   #1e3a8a;   /* deep royal blue  */
  --blue-vivid:   #2563eb;   /* bright mid-blue  */
  --blue-steel:   #3b82f6;   /* light steel blue */
  --blue-indigo:  #312e81;   /* indigo-blue      */
  --blue-pale:    #eff6ff;   /* very light blue  */
  --teal-dark:    #0f766e;   /* deep teal        */
  --teal:         #0d9488;   /* teal             */
  --teal-pale:    #f0fdfa;   /* very light teal  */
  --emerald-dark: #065f46;   /* deep emerald     */
  --emerald:      #059669;   /* emerald green    */
  --purple-dark:  #4c1d95;   /* deep purple      */
  --purple:       #7c3aed;   /* vivid purple     */
  --purple-pale:  #f5f3ff;   /* very light purple*/
  --amber-dark:   #78350f;   /* deep amber/brown */
  --amber:        #d97706;   /* warm amber       */
  --amber-pale:   #fffbeb;   /* very light amber */
  --peach-pale:   #fff7ed;   /* soft peach       */
  --green:        #2ecc71;
  --green-dark:   #27ae60;
  --green-light:  #a8f0c8;
  --white:        #ffffff;
  --off-white:    #f4f7fc;
  --gray-100:     #f0f4f8;
  --gray-200:     #e2e8f0;
  --gray-400:     #94a3b8;
  --gray-600:     #475569;
  --gray-800:     #1e293b;
  --gold:         #f0b429;

  --font-sans:    'Inter', system-ui, -apple-system, sans-serif;
  --font-serif:   'Playfair Display', Georgia, serif;

  --radius-sm:    6px;
  --radius-md:    12px;
  --radius-lg:    20px;
  --radius-xl:    32px;

  --shadow-sm:    0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
  --shadow-md:    0 4px 16px rgba(0,0,0,.12);
  --shadow-lg:    0 12px 40px rgba(0,0,0,.18);
  --shadow-glow:  0 0 30px rgba(46,204,113,.20);

  --transition:   all .25s cubic-bezier(.4,0,.2,1);
  --max-w:        1200px;
}

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

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

body {
  font-family: var(--font-sans);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* --- Utility --- */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section-padding { padding: 96px 0; }
.section-padding-sm { padding: 64px 0; }

.text-center { text-align: center; }
.text-green  { color: var(--green); }
.text-navy   { color: var(--navy); }
.text-white  { color: var(--white); }

.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(46,204,113,.12);
  color: var(--green-dark);
  border: 1px solid rgba(46,204,113,.25);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .05em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.badge-white {
  background: rgba(255,255,255,.12);
  color: var(--white);
  border-color: rgba(255,255,255,.25);
}

.section-title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.75rem);
  line-height: 1.2;
  color: var(--navy-dark);
  margin-bottom: 16px;
}
.section-title .accent { color: var(--green-dark); }
.section-title-white { color: var(--white); }

.section-subtitle {
  font-size: 1.05rem;
  color: var(--gray-600);
  max-width: 560px;
  margin: 0 auto 48px;
  line-height: 1.7;
}
.section-subtitle-white { color: rgba(255,255,255,.75); }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-sm);
  font-size: .95rem;
  font-weight: 600;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--green);
  color: var(--navy-dark);
  box-shadow: 0 4px 20px rgba(46,204,113,.35);
}
.btn-primary:hover {
  background: var(--green-dark);
  box-shadow: 0 6px 28px rgba(46,204,113,.45);
  transform: translateY(-2px);
}
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.5);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy-light);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-lg { padding: 17px 40px; font-size: 1rem; }

/* =========================================
   NAVIGATION
   ========================================= */
#site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  transition: var(--transition);
  background: linear-gradient(to right, #ffffff 0%, #dbeafe 60%, #bfdbfe 100%);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 1px 0 rgba(0,0,0,.08);
}
#site-header.transparent {
  background: linear-gradient(to right, #ffffff 0%, #dbeafe 60%, #bfdbfe 100%);
}
#site-header.scrolled {
  background: linear-gradient(to right, #ffffff 0%, #dbeafe 60%, #bfdbfe 100%);
  box-shadow: 0 2px 20px rgba(0,0,0,.10);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

.nav-logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  line-height: 1;
}
.site-logo {
  height: 55px;
  width: auto;
  display: block;
  object-fit: contain;
}
.site-logo-footer {
  height: 58px;
  opacity: .9;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-links a {
  color: var(--gray-800);
  font-size: .92rem;
  font-weight: 500;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--navy);
  background: rgba(26,45,90,.07);
}

.nav-cta { margin-left: 16px; }

.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--radius-sm);
}
.nav-hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--gray-800);
  border-radius: 2px;
  transition: var(--transition);
}

.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--white);
  z-index: 999;
  padding: 100px 24px 40px;
  flex-direction: column;
  gap: 8px;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  color: var(--gray-800);
  font-size: 1.2rem;
  font-weight: 500;
  padding: 16px 20px;
  border-radius: var(--radius-md);
  border-bottom: 1px solid var(--gray-200);
  transition: var(--transition);
}
.mobile-nav a:hover { color: var(--navy); background: rgba(26,45,90,.05); }
.mobile-nav-close {
  position: absolute;
  top: 24px; right: 24px;
  color: var(--gray-800);
  font-size: 1.5rem;
  padding: 8px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.1);
}

/* =========================================
   HOME — HERO
   ========================================= */
.hero {
  position: relative;
  min-height: 100vh;
  background: linear-gradient(
    135deg,
    var(--navy-dark)   0%,
    var(--blue-indigo) 22%,
    var(--blue-royal)  42%,
    var(--navy)        60%,
    var(--navy-mid)    78%,
    #1c2f6e            100%
  );
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    /* white/pearl orbs */
    radial-gradient(ellipse 55% 45% at 10% 15%, rgba(255,255,255,.07) 0%, transparent 60%),
    radial-gradient(ellipse 40% 50% at 90% 75%, rgba(255,255,255,.05) 0%, transparent 55%),
    radial-gradient(ellipse 30% 35% at 50% 5%,  rgba(255,255,255,.06) 0%, transparent 50%),
    /* steel-blue glow — top right */
    radial-gradient(ellipse 50% 40% at 85% 10%, rgba(59,130,246,.18) 0%, transparent 60%),
    /* vivid-blue glow — centre left */
    radial-gradient(ellipse 45% 55% at 5%  60%, rgba(37,99,235,.14)  0%, transparent 55%),
    /* royal-blue haze — bottom centre */
    radial-gradient(ellipse 60% 35% at 50% 100%, rgba(30,58,138,.22) 0%, transparent 55%),
    /* green glows */
    radial-gradient(circle at 20% 50%, rgba(46,204,113,.09) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(46,204,113,.07) 0%, transparent 40%),
    radial-gradient(circle at 60% 80%, rgba(46,204,113,.05) 0%, transparent 40%);
  pointer-events: none;
}
/* top-edge white shimmer */
.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg,
    transparent            0%,
    rgba(59,130,246,.25)  20%,
    rgba(255,255,255,.45) 50%,
    rgba(59,130,246,.25)  80%,
    transparent           100%);
  pointer-events: none;
  z-index: 2;
}
/* bottom-edge soft glow */
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 120px;
  background: linear-gradient(to top, rgba(255,255,255,.03) 0%, transparent 100%);
  pointer-events: none;
  z-index: 2;
}
.hero-grid-lines {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
  padding: 148px 0 112px;
  position: relative;
  z-index: 1;
}

.hero-content {
  padding-right: 16px;
}
.hero-tagline {
  font-family: var(--font-serif);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  line-height: 1.15;
  color: var(--white);
  margin-bottom: 24px;
}
.hero-tagline .highlight {
  background: linear-gradient(135deg, var(--green), #a8f0c8);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,.72);
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 480px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-trust {
  margin-top: 56px;
  padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,.18);
  display: flex;
  gap: 36px;
  flex-wrap: wrap;
}
.trust-item { }
.trust-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.trust-num span { color: var(--green); }
.trust-label {
  font-size: .8rem;
  color: rgba(255,255,255,.55);
  margin-top: 4px;
  text-transform: uppercase;
  letter-spacing: .06em;
}

/* Hero Right — Dashboard Card */
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}

.dashboard-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.18);
  backdrop-filter: blur(20px);
  border-radius: var(--radius-xl);
  padding: 32px;
  width: 100%;
  max-width: 400px;
  box-shadow: var(--shadow-lg), var(--shadow-glow);
}
.dash-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 28px;
}
.dash-title { color: rgba(255,255,255,.6); font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; }
.dash-badge {
  background: rgba(46,204,113,.2);
  color: var(--green);
  border: 1px solid rgba(46,204,113,.35);
  padding: 4px 12px;
  border-radius: 100px;
  font-size: .75rem;
  font-weight: 600;
}
.dash-value {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 6px;
}
.dash-change {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .85rem;
  color: var(--green);
  margin-bottom: 28px;
}

.chart-bars {
  display: flex;
  align-items: flex-end;
  gap: 8px;
  height: 80px;
  margin-bottom: 24px;
}
.chart-bar {
  flex: 1;
  border-radius: 4px 4px 0 0;
  background: rgba(255,255,255,.15);
  transition: var(--transition);
}
.chart-bar.active { background: linear-gradient(to top, var(--green-dark), var(--green)); }

.dash-funds {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.dash-fund-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 14px;
  background: rgba(255,255,255,.05);
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,.07);
}
.fund-name { color: rgba(255,255,255,.8); font-size: .85rem; font-weight: 500; }
.fund-return { color: var(--green); font-size: .85rem; font-weight: 700; }

/* =========================================
   STATS STRIP
   ========================================= */
.stats-strip {
  background: linear-gradient(135deg, var(--teal-dark) 0%, var(--teal) 50%, #0891b2 100%);
  padding: 48px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat-item {
  text-align: center;
  padding: 24px 20px;
  border-right: 1px solid rgba(255,255,255,.08);
}
.stat-item:last-child { border-right: none; }
.stat-number {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-number span { color: var(--green); }
.stat-desc { font-size: .82rem; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .07em; }

/* =========================================
   WHY CHOOSE US
   ========================================= */
.why-us {
  background: linear-gradient(135deg, var(--purple-pale) 0%, #ede9fe 60%, #e0e7ff 100%);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.feature-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--purple), var(--blue-vivid));
  opacity: 0;
  transition: var(--transition);
}
.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.feature-card:hover::before { opacity: 1; }

.feature-icon {
  width: 56px; height: 56px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--purple-dark), var(--purple));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 22px;
  box-shadow: 0 4px 16px rgba(124,58,237,.25);
}
.feature-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 10px;
}
.feature-desc { font-size: .9rem; color: var(--gray-600); line-height: 1.65; }

/* =========================================
   FUND CATEGORIES
   ========================================= */
.funds-section {
  background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 50%, #d1fae5 100%);
}

.funds-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.fund-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.fund-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--green);
}
.fund-card-top {
  padding: 28px 28px 20px;
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-mid));
}
/* Unique colors per fund card */
.fund-card:nth-child(1) .fund-card-top { background: linear-gradient(135deg, #064e3b, #047857); }
.fund-card:nth-child(2) .fund-card-top { background: linear-gradient(135deg, var(--blue-royal), var(--blue-vivid)); }
.fund-card:nth-child(3) .fund-card-top { background: linear-gradient(135deg, var(--teal-dark), var(--teal)); }
.fund-card:nth-child(4) .fund-card-top { background: linear-gradient(135deg, var(--purple-dark), var(--purple)); }
.fund-card:nth-child(5) .fund-card-top { background: linear-gradient(135deg, var(--amber-dark), var(--amber)); }
.fund-card:nth-child(6) .fund-card-top { background: linear-gradient(135deg, #0e7490, #0891b2); }
.fund-icon { font-size: 2rem; margin-bottom: 12px; }
.fund-cat-name { font-size: 1.05rem; font-weight: 700; color: var(--white); margin-bottom: 4px; }
.fund-risk {
  display: inline-block;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .07em;
  padding: 3px 10px;
  border-radius: 100px;
  font-weight: 600;
}
.risk-low    { background: rgba(46,204,113,.2); color: var(--green); }
.risk-medium { background: rgba(240,180,41,.2); color: var(--gold); }
.risk-high   { background: rgba(239,68,68,.2);  color: #f87171; }

.fund-card-body { padding: 20px 28px 26px; }
.fund-return-row { display: flex; justify-content: space-between; margin-bottom: 14px; }
.return-label { font-size: .78rem; color: var(--gray-400); text-transform: uppercase; letter-spacing: .06em; }
.return-val { font-size: 1.1rem; font-weight: 700; color: var(--green-dark); }
.fund-desc { font-size: .85rem; color: var(--gray-600); line-height: 1.6; margin-bottom: 18px; }
.fund-link {
  font-size: .85rem;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.fund-link:hover { color: var(--green-dark); gap: 10px; }

/* =========================================
   TESTIMONIALS
   ========================================= */
.testimonials {
  background: linear-gradient(135deg, #134e4a 0%, var(--teal-dark) 45%, #0e7490 100%);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testi-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: var(--transition);
}
.testi-card:hover {
  background: rgba(255,255,255,.09);
  transform: translateY(-4px);
}
.testi-stars { color: var(--gold); font-size: 1rem; letter-spacing: 2px; margin-bottom: 16px; }
.testi-text {
  font-size: .95rem;
  color: rgba(255,255,255,.75);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}
.testi-author { display: flex; align-items: center; gap: 14px; }
.testi-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-light), var(--green-dark));
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.testi-name { font-size: .9rem; font-weight: 600; color: var(--white); }
.testi-role { font-size: .78rem; color: rgba(255,255,255,.45); }

/* =========================================
   CTA SECTION
   ========================================= */
.cta-section {
  background: linear-gradient(135deg, var(--emerald-dark) 0%, var(--emerald) 50%, #10b981 100%);
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -60%; right: -10%;
  width: 600px; height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,.12) 0%, transparent 60%);
  pointer-events: none;
}
.cta-inner {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}
.cta-title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}
.cta-desc {
  font-size: 1rem;
  color: rgba(255,255,255,.7);
  margin-bottom: 40px;
  line-height: 1.7;
}
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* =========================================
   FOOTER
   ========================================= */
.site-footer {
  background: linear-gradient(to right, #ffffff 0%, #dbeafe 60%, #bfdbfe 100%);
  padding: 72px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid var(--gray-200);
}
.footer-brand {}
.footer-logo {
  display: flex;
  align-items: center;
  gap: 11px;
  margin-bottom: 16px;
  line-height: 1;
}
.footer-logo .nav-logo-text .logo-fin {
  font-size: 1.1rem;
}
.footer-logo span { color: var(--green); }
.footer-tagline { font-size: .88rem; color: var(--gray-600); line-height: 1.65; max-width: 280px; margin-bottom: 24px; }
.footer-social { display: flex; gap: 10px; }
.social-link {
  width: 36px; height: 36px;
  border-radius: var(--radius-sm);
  background: var(--white);
  border: 1px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  color: var(--gray-600);
  font-size: .85rem;
  transition: var(--transition);
}
.social-link:hover { background: var(--green); border-color: var(--green); color: var(--white); }

.footer-col-title {
  font-size: .78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--gray-600);
  margin-bottom: 20px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: .88rem;
  color: var(--gray-600);
  transition: var(--transition);
}
.footer-links a:hover { color: var(--navy); }

.footer-bottom {
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  border-top: 1px solid var(--gray-200);
}
.footer-copy { font-size: .82rem; color: var(--gray-400); }
.footer-disclaimer { font-size: .75rem; color: var(--gray-400); max-width: 500px; text-align: right; }

/* =========================================
   ABOUT PAGE
   ========================================= */
.page-hero {
  background: linear-gradient(
    135deg,
    var(--navy-dark)   0%,
    var(--blue-indigo) 25%,
    var(--blue-royal)  50%,
    var(--navy)        75%,
    var(--navy-mid)    100%
  );
  padding: 160px 0 100px;
  position: relative;
  overflow: hidden;
  text-align: center;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, rgba(59,130,246,.3), rgba(255,255,255,.5), rgba(59,130,246,.3), transparent);
  z-index: 2;
  pointer-events: none;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 80px;
  background: linear-gradient(to top, var(--purple-pale), transparent);
}
.page-hero-bg {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(ellipse 55% 45% at 10% 20%,  rgba(255,255,255,.07) 0%, transparent 55%),
    radial-gradient(ellipse 40% 50% at 90% 70%,  rgba(255,255,255,.05) 0%, transparent 50%),
    radial-gradient(ellipse 50% 40% at 85% 10%,  rgba(59,130,246,.18)  0%, transparent 55%),
    radial-gradient(ellipse 45% 55% at 5%  60%,  rgba(37,99,235,.14)   0%, transparent 55%),
    radial-gradient(circle  at 30% 50%,           rgba(46,204,113,.07)  0%, transparent 50%);
  pointer-events: none;
}
.page-hero-title {
  font-family: var(--font-serif);
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
}
.page-hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.65);
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.7;
  position: relative;
  z-index: 1;
}

/* Story Section */
.story-section {
  background: linear-gradient(135deg, var(--purple-pale) 0%, #ede9fe 55%, #e0e7ff 100%);
}
.story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.story-content {}
.story-title {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  color: var(--navy-dark);
  margin-bottom: 20px;
  line-height: 1.25;
}
.story-text { font-size: .95rem; color: var(--gray-600); line-height: 1.75; margin-bottom: 16px; }
.story-milestones { margin-top: 36px; display: flex; flex-direction: column; gap: 20px; }
.milestone {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}
.milestone-year {
  flex-shrink: 0;
  width: 56px;
  font-size: .8rem;
  font-weight: 700;
  color: var(--white);
  background: var(--navy);
  border-radius: var(--radius-sm);
  padding: 4px 8px;
  text-align: center;
}
.milestone-desc { font-size: .88rem; color: var(--gray-600); line-height: 1.6; }
.milestone-desc strong { color: var(--navy-dark); }

.story-visual {
  position: relative;
}
.story-img-wrap {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-mid));
  aspect-ratio: 4/5;
  display: flex;
  align-items: center;
  justify-content: center;
}
.story-img-placeholder {
  text-align: center;
  color: rgba(255,255,255,.4);
}
.story-img-placeholder .big-icon { font-size: 5rem; margin-bottom: 16px; }
.story-img-placeholder p { font-size: .85rem; }

/* Mission & Vision Cards */
.mv-cards {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 32px;
}
.mv-card {
  border-radius: var(--radius-md);
  padding: 24px 26px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.mv-card:hover { transform: translateX(6px); box-shadow: var(--shadow-sm); }
.mv-mission {
  background: linear-gradient(135deg, rgba(124,58,237,.06), rgba(124,58,237,.12));
  border-left: 4px solid var(--purple);
}
.mv-vision {
  background: linear-gradient(135deg, rgba(46,204,113,.05), rgba(46,204,113,.1));
  border-left: 4px solid var(--green-dark);
}
.mv-card-icon { font-size: 1.8rem; flex-shrink: 0; margin-top: 2px; }
.mv-card-label {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: 6px;
}
.mv-mission .mv-card-label { color: var(--purple); }
.mv-vision  .mv-card-label { color: var(--green-dark); }
.mv-card-text { font-size: .88rem; color: var(--gray-600); line-height: 1.7; }

.story-float-card {
  position: absolute;
  bottom: -20px; left: -30px;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
  min-width: 180px;
}
.float-num { font-size: 1.8rem; font-weight: 800; color: var(--navy); }
.float-num span { color: var(--green-dark); }
.float-desc { font-size: .75rem; color: var(--gray-400); margin-top: 2px; }

/* Values */
.values-section {
  background: linear-gradient(135deg, var(--amber-pale) 0%, #fef9c3 50%, #fef3c7 100%);
}
.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.value-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.value-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--amber); }
.value-icon { font-size: 2.2rem; margin-bottom: 16px; }
.value-title { font-size: 1rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 8px; }
.value-desc { font-size: .85rem; color: var(--gray-600); line-height: 1.6; }

/* Team */
.team-section { background: var(--white); }
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.team-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  text-align: center;
}
.team-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.team-card-photo {
  height: 220px;
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
  position: relative;
}
.team-card-photo::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 40px;
  background: linear-gradient(to top, rgba(13,27,56,.3), transparent);
}
.team-card-body { padding: 24px 20px; }
.team-name { font-size: 1.05rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 4px; }
.team-role { font-size: .82rem; color: var(--green-dark); font-weight: 600; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 12px; }
.team-bio { font-size: .85rem; color: var(--gray-600); line-height: 1.6; }

/* Certifications */
.certs-section {
  background: linear-gradient(135deg, #2d1b69 0%, var(--purple-dark) 40%, #3b0764 75%, #1e1b4b 100%);
}
.certs-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.cert-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(167,139,250,.2);
  border-radius: var(--radius-md);
  padding: 28px 20px;
  text-align: center;
  transition: var(--transition);
}
.cert-card:hover { background: rgba(255,255,255,.1); }
.cert-icon { font-size: 2.4rem; margin-bottom: 12px; }
.cert-name { font-size: .9rem; font-weight: 700; color: var(--white); margin-bottom: 6px; }
.cert-body { font-size: .78rem; color: rgba(255,255,255,.45); line-height: 1.5; }

/* =========================================
   CONTACT PAGE
   ========================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 64px;
  align-items: start;
}
.contact-info {}
.contact-info-title {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  color: var(--navy-dark);
  margin-bottom: 12px;
}
.contact-info-desc { font-size: .92rem; color: var(--gray-600); line-height: 1.7; margin-bottom: 40px; }

.contact-details { display: flex; flex-direction: column; gap: 24px; margin-bottom: 40px; }
.contact-detail-item { display: flex; gap: 18px; align-items: flex-start; }
.detail-icon-wrap {
  width: 48px; height: 48px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.detail-label { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--gray-400); margin-bottom: 4px; }
.detail-value { font-size: .92rem; color: var(--gray-800); font-weight: 500; }

.contact-hours {
  background: var(--off-white);
  border-radius: var(--radius-md);
  padding: 24px;
  border: 1px solid var(--gray-200);
}
.hours-title { font-size: .85rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 12px; }
.hours-row { display: flex; justify-content: space-between; padding: 6px 0; border-bottom: 1px solid var(--gray-200); }
.hours-row:last-child { border-bottom: none; }
.hours-day { font-size: .83rem; color: var(--gray-600); }
.hours-time { font-size: .83rem; color: var(--navy); font-weight: 600; }

/* Contact Form */
.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 44px 40px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
}
.form-title { font-size: 1.35rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 6px; }
.form-subtitle { font-size: .88rem; color: var(--gray-600); margin-bottom: 32px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: .82rem; font-weight: 600; color: var(--gray-800); margin-bottom: 8px; }
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  background: var(--gray-100);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: .9rem;
  font-family: inherit;
  color: var(--gray-800);
  transition: var(--transition);
  outline: none;
  -webkit-appearance: none;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--navy-light);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(46,64,128,.1);
}
.form-textarea { min-height: 130px; resize: vertical; }
.form-select { cursor: pointer; }

.form-checkbox-wrap { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 28px; }
.form-checkbox { width: 18px; height: 18px; flex-shrink: 0; accent-color: var(--navy); margin-top: 1px; cursor: pointer; }
.checkbox-label { font-size: .82rem; color: var(--gray-600); line-height: 1.5; }
.checkbox-label a { color: var(--navy); text-decoration: underline; }

.btn-submit {
  width: 100%;
  justify-content: center;
  padding: 15px;
  font-size: 1rem;
}

/* Map placeholder */
.map-section { background: var(--off-white); padding: 0 0 96px; }
.map-wrap {
  border-radius: var(--radius-xl);
  overflow: hidden;
  height: 380px;
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-md);
  position: relative;
}
.map-overlay {
  text-align: center;
  color: rgba(255,255,255,.6);
  z-index: 1;
}
.map-overlay .map-pin { font-size: 3rem; margin-bottom: 12px; }
.map-overlay p { font-size: .9rem; }
.map-grid-bg {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 40px 40px;
}

/* FAQ */
.faq-section { background: var(--white); }
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 960px;
  margin: 0 auto;
}
.faq-item {
  background: var(--off-white);
  border-radius: var(--radius-md);
  padding: 24px 26px;
  border: 1px solid var(--gray-200);
  cursor: pointer;
  transition: var(--transition);
}
.faq-item:hover { border-color: var(--navy-light); box-shadow: var(--shadow-sm); }
.faq-q {
  font-size: .95rem;
  font-weight: 600;
  color: var(--navy-dark);
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 16px;
}
.faq-q .faq-arrow { color: var(--green-dark); flex-shrink: 0; font-size: 1rem; }
.faq-a { font-size: .85rem; color: var(--gray-600); line-height: 1.65; margin-top: 12px; display: none; }
.faq-item.open .faq-a { display: block; }

/* =========================================
   INVESTMENT PHILOSOPHY SECTION
   ========================================= */
.philosophy-section {
  background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 50%, #d1fae5 100%);
}
.philosophy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.philosophy-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  position: relative;
  overflow: hidden;
  transition: var(--transition);
}
.philosophy-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--teal);
}
.philosophy-num {
  font-size: 4rem;
  font-weight: 800;
  color: var(--gray-200);
  line-height: 1;
  position: absolute;
  top: 16px; right: 24px;
  font-family: var(--font-serif);
  transition: var(--transition);
}
.philosophy-card:hover .philosophy-num { color: rgba(13,148,136,.18); }
.philosophy-icon {
  font-size: 2rem;
  margin-bottom: 16px;
  display: block;
}
.philosophy-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 12px;
}
.philosophy-desc {
  font-size: .9rem;
  color: var(--gray-600);
  line-height: 1.7;
}
@media (max-width: 768px) {
  .philosophy-grid { grid-template-columns: 1fr; }
}

/* =========================================
   WHATSAPP FLOATING BUTTON
   ========================================= */
.whatsapp-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  display: flex;
  align-items: center;
  gap: 10px;
  background: #25d366;
  color: var(--white);
  padding: 14px 20px 14px 16px;
  border-radius: 100px;
  box-shadow: 0 6px 24px rgba(37,211,102,.45);
  font-size: .9rem;
  font-weight: 600;
  text-decoration: none;
  transition: var(--transition);
  animation: wa-pulse 2.5s infinite;
}
.whatsapp-float:hover {
  background: #1ebe5a;
  transform: translateY(-3px);
  box-shadow: 0 10px 32px rgba(37,211,102,.55);
  animation: none;
}
.whatsapp-float svg {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
}
.whatsapp-label { white-space: nowrap; }

@keyframes wa-pulse {
  0%, 100% { box-shadow: 0 6px 24px rgba(37,211,102,.45); }
  50%       { box-shadow: 0 6px 32px rgba(37,211,102,.75), 0 0 0 8px rgba(37,211,102,.1); }
}

@media (max-width: 480px) {
  .whatsapp-float { padding: 14px; border-radius: 50%; }
  .whatsapp-label { display: none; }
}

/* =========================================
   SCROLL ANIMATIONS
   ========================================= */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .55s ease, transform .55s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: .1s; }
.reveal-delay-2 { transition-delay: .2s; }
.reveal-delay-3 { transition-delay: .3s; }
.reveal-delay-4 { transition-delay: .4s; }

/* =========================================
   RESPONSIVE
   ========================================= */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 48px; padding: 120px 0 88px; }
  .hero-content { padding-right: 0; }
  .hero-visual { display: none; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }
  .features-grid { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .funds-grid { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .testi-card:last-child { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .certs-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .story-grid { grid-template-columns: 1fr; }
  .story-visual { display: none; }
}

@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .nav-hamburger { display: flex; }
  .section-padding { padding: 64px 0; }
  .features-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; gap: 14px; margin-top: 32px; }
  .service-card { padding: 24px 22px; }
  .service-icon { width: 48px; height: 48px; font-size: 1.3rem; margin-bottom: 16px; }
  .service-title { font-size: .95rem; }
  .service-desc { font-size: .85rem; }
  .funds-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .testi-card:last-child { display: block; }
  .footer-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .certs-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 28px 22px; }
  .hero-inner { padding: 100px 0 72px; }
  .hero-trust { gap: 24px; }
}

@media (max-width: 480px) {
  .values-grid { grid-template-columns: 1fr; }
  .certs-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: 1fr; gap: 12px; }
  .service-card { padding: 20px 18px; }
  .hero-actions { flex-direction: column; }
  .btn { justify-content: center; }
}

/* =========================================
   OUR SERVICES
   ========================================= */
.services-section {
  background: var(--off-white);
  position: relative;
  overflow: hidden;
}
.services-section::before {
  content: '';
  position: absolute;
  top: -120px; right: -120px;
  width: 480px; height: 480px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(46,204,113,.07) 0%, transparent 65%);
  pointer-events: none;
}
.services-section::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -80px;
  width: 360px; height: 360px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37,99,235,.06) 0%, transparent 65%);
  pointer-events: none;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 52px;
  position: relative;
  z-index: 1;
}

.service-card {
  border-radius: var(--radius-lg);
  padding: 32px 26px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  color: var(--white);
  border: none;
}
.service-card:nth-child(1) { background: linear-gradient(140deg, #064e3b 0%, #059669 100%); }
.service-card:nth-child(2) { background: linear-gradient(140deg, #1e3a8a 0%, #2563eb 100%); }
.service-card:nth-child(3) { background: linear-gradient(140deg, #0f766e 0%, #0d9488 100%); }
.service-card:nth-child(4) { background: linear-gradient(140deg, #4c1d95 0%, #7c3aed 100%); }
.service-card:nth-child(5) { background: linear-gradient(140deg, #0d1b38 0%, #2e4080 100%); }
.service-card:nth-child(6) { background: linear-gradient(140deg, #78350f 0%, #d97706 100%); }
.service-card:nth-child(7) { background: linear-gradient(140deg, #134e4a 0%, #0d9488 100%); }
.service-card:nth-child(8) { background: linear-gradient(140deg, #0c4a6e 0%, #0369a1 100%); }

/* decorative number watermark */
.service-card::after {
  content: '';
  position: absolute;
  top: -20px; right: -20px;
  width: 100px; height: 100px;
  border-radius: 50%;
  background: rgba(255,255,255,.06);
  pointer-events: none;
}
.service-card::before {
  content: '';
  position: absolute;
  bottom: -40px; right: -40px;
  width: 160px; height: 160px;
  border-radius: 50%;
  background: rgba(255,255,255,.05);
  pointer-events: none;
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 24px 56px rgba(0,0,0,.22);
}
.service-card:hover::before {
  transform: scale(1.2);
}

.service-icon {
  width: 54px; height: 54px;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,.18);
  border: 1px solid rgba(255,255,255,.25);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 22px;
}
.service-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
  line-height: 1.35;
}
.service-desc {
  font-size: .875rem;
  color: rgba(255,255,255,.72);
  line-height: 1.65;
}

@media (max-width: 1024px) {
  .services-grid { grid-template-columns: 1fr 1fr; gap: 18px; }
}
@media (max-width: 768px) {
  .services-grid { grid-template-columns: 1fr; gap: 14px; margin-top: 32px; }
  .service-card { padding: 24px 22px; }
  .service-icon { width: 48px; height: 48px; font-size: 1.3rem; margin-bottom: 16px; }
  .service-title { font-size: .95rem; }
  .service-desc { font-size: .85rem; }
}
@media (max-width: 480px) {
  .services-grid { grid-template-columns: 1fr; gap: 12px; }
  .service-card { padding: 20px 18px; }
}

/* =========================================
   HOME — HOW IT WORKS
   ========================================= */
.how-section {
  background: linear-gradient(135deg, var(--amber-pale) 0%, #fef9c3 50%, #fef3c7 100%);
}

.steps-wrapper {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
  margin-top: 16px;
}
.steps-wrapper::before {
  content: '';
  position: absolute;
  top: 36px; left: 12.5%; right: 12.5%;
  height: 2px;
  background: linear-gradient(90deg, var(--green), var(--navy-light));
  z-index: 0;
}
.step-item {
  text-align: center;
  padding: 0 20px;
  position: relative;
  z-index: 1;
}
.step-num-wrap {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--amber-dark), var(--amber));
  border: 3px solid var(--white);
  box-shadow: 0 0 0 3px var(--navy-light), var(--shadow-md);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 22px;
  font-size: 1.5rem;
  transition: var(--transition);
}
.step-item:hover .step-num-wrap {
  transform: scale(1.08);
  box-shadow: 0 0 0 3px var(--amber), 0 8px 24px rgba(217,119,6,.3);
}
.step-title { font-size: 1rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 8px; }
.step-desc { font-size: .83rem; color: var(--gray-600); line-height: 1.6; }

@media (max-width: 768px) {
  .steps-wrapper { grid-template-columns: 1fr 1fr; gap: 32px; }
  .steps-wrapper::before { display: none; }
}
@media (max-width: 480px) {
  .steps-wrapper { grid-template-columns: 1fr; }
}

/* =========================================
   HOME — TRUSTED BY
   ========================================= */
.partners-strip {
  background: linear-gradient(135deg, var(--blue-pale) 0%, #e0f0ff 100%);
  padding: 48px 0;
  border-top: 1px solid rgba(37,99,235,.1);
  border-bottom: 1px solid rgba(37,99,235,.1);
}
.partners-label {
  text-align: center;
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--gray-400);
  margin-bottom: 28px;
}
.partners-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.partner-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--gray-400);
  font-size: .85rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  filter: grayscale(1);
  opacity: .55;
  transition: var(--transition);
}
.partner-logo:hover { filter: none; opacity: 1; color: var(--navy); }
.partner-logo-icon {
  width: 32px; height: 32px;
  border-radius: 6px;
  background: var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}

/* =========================================
   HOME — SIP CALCULATOR TEASER
   ========================================= */
.calculator-section {
  background: linear-gradient(135deg, var(--emerald-dark) 0%, var(--emerald) 55%, #10b981 100%);
  position: relative;
  overflow: hidden;
}
.calculator-section::before {
  content: '';
  position: absolute;
  bottom: -80px; right: -80px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(46,204,113,.12) 0%, transparent 60%);
  pointer-events: none;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.calc-content {}
.calc-title {
  font-family: var(--font-serif);
  font-size: clamp(1.9rem, 3.5vw, 2.6rem);
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}
.calc-title span { color: var(--green); }
.calc-desc { font-size: .95rem; color: rgba(255,255,255,.7); line-height: 1.7; margin-bottom: 32px; }
.calc-bullets { display: flex; flex-direction: column; gap: 12px; margin-bottom: 36px; }
.calc-bullet {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: .9rem;
  color: rgba(255,255,255,.8);
}
.calc-bullet-dot {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--green), var(--green-dark));
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: .7rem;
  color: var(--white);
}

.calc-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  backdrop-filter: blur(16px);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
}
.calc-card-title { font-size: 1rem; font-weight: 600; color: #fff; margin-bottom: 28px; }
.calc-field { margin-bottom: 22px; }
.calc-label { font-size: .78rem; color: #fff; font-weight: 600; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 10px; display: flex; justify-content: space-between; }
.calc-label span { color: #fff; font-size: .92rem; text-transform: none; letter-spacing: 0; }
.calc-range {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 4px;
  background: rgba(255,255,255,.15);
  outline: none;
  cursor: pointer;
}
.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--green);
  cursor: pointer;
  box-shadow: 0 0 8px rgba(46,204,113,.5);
}
.calc-divider { height: 1px; background: rgba(255,255,255,.1); margin: 24px 0; }
.calc-result { display: flex; justify-content: space-between; align-items: center; }
.calc-result-label { font-size: .8rem; color: #fff; }
.calc-result-val { font-size: 1.6rem; font-weight: 800; color: #fff; }
.calc-result-val sup { font-size: .7em; }

@media (max-width: 1024px) {
  .calc-grid { grid-template-columns: 1fr; gap: 48px; }
}

/* =========================================
   HOME — NEWS STRIP
   ========================================= */
.news-section {
  background: linear-gradient(135deg, var(--peach-pale) 0%, #ffedd5 60%, #fef3c7 100%);
}
.news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.news-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--navy-light); }
.news-card-img {
  height: 160px;
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-mid));
  display: flex; align-items: center; justify-content: center;
  font-size: 2.5rem;
  position: relative;
}
.news-tag {
  position: absolute;
  top: 12px; left: 12px;
  background: var(--green);
  color: var(--navy-dark);
  font-size: .7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  padding: 3px 10px;
  border-radius: 100px;
}
.news-card-body { padding: 20px 22px 24px; }
.news-date { font-size: .75rem; color: var(--gray-400); margin-bottom: 8px; }
.news-title { font-size: .95rem; font-weight: 700; color: var(--navy-dark); line-height: 1.4; margin-bottom: 10px; }
.news-excerpt { font-size: .82rem; color: var(--gray-600); line-height: 1.6; margin-bottom: 14px; }
.news-link { font-size: .82rem; font-weight: 600; color: var(--navy); display: flex; align-items: center; gap: 6px; transition: var(--transition); }
.news-link:hover { color: var(--green-dark); gap: 10px; }

@media (max-width: 768px) {
  .news-grid { grid-template-columns: 1fr; }
}

/* =========================================
   HOME — AWARDS MINI STRIP
   ========================================= */
.awards-strip {
  background: linear-gradient(135deg, #451a03 0%, var(--amber-dark) 45%, #92400e 100%);
  padding: 40px 0;
}
.awards-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.award-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(254,215,170,.75);
  font-size: .82rem;
}
.award-icon { font-size: 1.6rem; }
.award-name { font-weight: 700; color: #fcd34d; font-size: .88rem; display: block; }

/* =========================================
   NEWSLETTER SECTION
   ========================================= */
.newsletter-section {
  background: linear-gradient(135deg, var(--teal-pale) 0%, #ccfbf1 60%, #d1fae5 100%);
  padding: 56px 0;
  border-top: 1px solid rgba(13,148,136,.15);
}
.newsletter-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.newsletter-text {}
.newsletter-title { font-size: 1.25rem; font-weight: 700; color: var(--navy-dark); margin-bottom: 6px; }
.newsletter-sub { font-size: .88rem; color: var(--gray-600); }
.newsletter-form { display: flex; gap: 12px; flex-shrink: 0; flex-wrap: wrap; }
.newsletter-input {
  width: 300px;
  padding: 12px 18px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--gray-200);
  background: var(--white);
  font-family: inherit;
  font-size: .9rem;
  color: var(--gray-800);
  outline: none;
  transition: var(--transition);
}
.newsletter-input:focus { border-color: var(--navy-light); box-shadow: 0 0 0 3px rgba(46,64,128,.1); }
@media (max-width: 768px) {
  .newsletter-inner { flex-direction: column; align-items: flex-start; }
  .newsletter-input { width: 100%; }
  .newsletter-form { width: 100%; }
}