/* =====================================================
   SI FINMART — MAIN STYLESHEET V3
   Font: Bricolage Grotesque (display) + DM Sans (body)
   Theme: Clean White + Teal — Logo-matched professional
   Logo colors: #032730 (icon), #134852 (ring), #2a7d8c (accent)
   ===================================================== */

:root {
  /* ── Primary Teal Palette (from logo) ── */
  --teal-darkest: #032730;
  --teal-dark:    #0a4a56;
  --teal-mid:     #134852;
  --teal:         #1a6b7c;
  --teal-light:   #2a8fa3;
  --teal-bright:  #38b2c8;

  /* ── Neutrals ── */
  --white:        #ffffff;
  --off-white:    #f4f8f9;
  --surface:      #eaf4f6;
  --surface-2:    #d6edf1;
  --text-dark:    #032730;
  --text-body:    #1a3d46;
  --text-muted:   #4a7d8a;
  --text-light:   #7aabb6;

  /* ── Borders ── */
  --border:        rgba(26, 107, 124, 0.15);
  --border-mid:    rgba(26, 107, 124, 0.25);
  --border-strong: rgba(26, 107, 124, 0.4);

  /* ── Accent colors ── */
  --accent-gold:   #c47d1a;
  --accent-coral:  #c4543a;
  --accent-green:  #1a7c5a;
  --accent-blue:   #1a4d7c;

  /* ── Shadows ── */
  --shadow-sm:  0 2px 8px rgba(3,39,48,0.08);
  --shadow:     0 4px 20px rgba(3,39,48,0.12);
  --shadow-lg:  0 8px 40px rgba(3,39,48,0.16);
  --shadow-teal:0 4px 20px rgba(26,107,124,0.25);

  /* ── Typography ── */
  --font-display: 'Bricolage Grotesque', sans-serif;
  --font-body:    'DM Sans', sans-serif;

  /* ── Shape ── */
  --radius:    16px;
  --radius-sm: 10px;
  --radius-xs: 6px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  background: var(--white);
  color: var(--text-body);
  overflow-x: hidden;
  line-height: 1.65;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; }
.section-header { text-align: center; margin-bottom: 64px; }

.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--teal);
  background: rgba(26, 107, 124, 0.08);
  border: 1px solid var(--border-mid);
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--text-dark);
}

.gradient-text {
  background: linear-gradient(135deg, var(--teal-dark) 0%, var(--teal-bright) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.section-sub {
  font-size: 1rem;
  color: var(--text-muted);
  margin-top: 12px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.7;
}

/* ========== BUTTONS ========== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  border: none;
  transition: all 0.22s ease;
  text-align: center;
  white-space: nowrap;
  text-decoration: none;
}
.btn-primary { background: var(--teal); color: white; box-shadow: var(--shadow-teal); }
.btn-primary:hover { background: var(--teal-dark); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(26,107,124,0.4); }
.btn-outline { background: transparent; color: var(--teal); border: 1.5px solid var(--teal); }
.btn-outline:hover { background: var(--teal); color: white; }
.btn-white { background: white; color: var(--teal-dark); box-shadow: var(--shadow); }
.btn-white:hover { background: var(--off-white); transform: translateY(-2px); }
.btn-sm { padding: 9px 18px; font-size: 0.82rem; }
.btn-full { width: 100%; justify-content: center; }

/* ========== APP DROPDOWN ========== */
.app-dropdown-wrap { position: relative; display: inline-flex; }

.app-dropdown-btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 9px 16px;
  background: var(--teal);
  color: white;
  border: none;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.22s ease;
  white-space: nowrap;
  box-shadow: var(--shadow-teal);
}
.app-dropdown-btn:hover { background: var(--teal-dark); }
.app-dropdown-btn .chevron { font-size: 0.58rem; transition: transform 0.2s; margin-left: 2px; font-style: normal; }
.app-dropdown-wrap.open .chevron { transform: rotate(180deg); }

.app-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  background: white;
  border: 1px solid var(--border-mid);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  min-width: 228px;
  z-index: 500;
  overflow: hidden;
  animation: dropIn 0.18s ease;
}
@keyframes dropIn {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}
.app-dropdown-wrap.open .app-dropdown-menu { display: block; }

.app-store-link {
  display: flex;
  align-items: center;
  gap: 13px;
  padding: 14px 16px;
  color: var(--text-dark);
  transition: background 0.15s;
  border-bottom: 1px solid var(--border);
  text-decoration: none;
}
.app-store-link:last-child { border-bottom: none; }
.app-store-link:hover { background: var(--surface); }
.app-store-link .store-icon { font-size: 1.7rem; flex-shrink: 0; line-height: 1; }
.app-store-link .store-label { font-size: 0.62rem; color: var(--text-muted); font-weight: 500; text-transform: uppercase; letter-spacing: 0.07em; display: block; margin-bottom: 2px; }
.app-store-link .store-name  { font-size: 0.92rem; font-weight: 700; font-family: var(--font-display); color: var(--teal-dark); }

/* Transparent navbar state */
.navbar:not(.scrolled) .app-dropdown-btn {
  background: rgba(255,255,255,0.18);
  border: 1px solid rgba(255,255,255,0.3);
  box-shadow: none;
}
.navbar:not(.scrolled) .app-dropdown-btn:hover { background: rgba(255,255,255,0.28); }

/* Mobile app links in overlay */
.mobile-app-links { display: flex; flex-direction: column; gap: 10px; margin-top: 1.5rem; }
.mobile-app-link {
  display: flex;
  align-items: center;
  gap: 13px;
  padding: 14px 16px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  color: white;
  text-decoration: none;
  transition: background 0.2s;
}
.mobile-app-link:hover { background: rgba(255,255,255,0.18); }
.mobile-app-link .store-icon { font-size: 1.5rem; }
.mobile-app-link .store-label { font-size: 0.6rem; opacity: 0.7; text-transform: uppercase; letter-spacing: 0.07em; display: block; margin-bottom: 1px; }
.mobile-app-link .store-name  { font-size: 0.88rem; font-weight: 600; }

/* ========== NAVBAR ========== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  transition: all 0.3s ease;
  background: transparent;
}
.navbar.scrolled {
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.nav-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  height: 72px;
  gap: 32px;
}
.nav-logo {
  display: flex; align-items: center; gap: 10px;
  flex-shrink: 0; text-decoration: none;
}
.nav-logo-img { height: 44px; width: auto; object-fit: contain; }
.logo-mark {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--teal-dark), var(--teal-bright));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display);
  font-weight: 800; font-size: 1rem; color: white;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-main { font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; color: var(--teal-dark); }
.logo-sub  { font-size: 0.62rem; color: var(--text-muted); letter-spacing: 0.03em; }
.navbar:not(.scrolled) .logo-main { color: white; }
.navbar:not(.scrolled) .logo-sub  { color: rgba(255,255,255,0.65); }

.nav-links { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav-link { color: var(--text-muted); font-size: 0.88rem; font-weight: 450; padding: 7px 11px; border-radius: 7px; transition: all 0.2s; }
.nav-link:hover, .nav-link.active { color: var(--teal); background: rgba(26,107,124,0.08); }
.navbar:not(.scrolled) .nav-link { color: rgba(255,255,255,0.82); }
.navbar:not(.scrolled) .nav-link:hover,
.navbar:not(.scrolled) .nav-link.active { color: white; background: rgba(255,255,255,0.14); }

.nav-actions { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--teal-dark); border-radius: 2px; transition: all 0.3s; }
.navbar:not(.scrolled) .hamburger span { background: white; }

/* ========== MOBILE OVERLAY ========== */
.mobile-overlay {
  position: fixed;
  inset: 0;
  background: var(--teal-dark);
  z-index: 2000;
  padding: 40px 32px;
  display: flex; flex-direction: column; gap: 6px;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1);
  overflow-y: auto;
}
.mobile-overlay.open { transform: translateX(0); }
.overlay-close {
  align-self: flex-end;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: white; font-size: 1.2rem; width: 40px; height: 40px;
  border-radius: 50%; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px; transition: background 0.2s;
}
.overlay-close:hover { background: rgba(255,255,255,0.2); }
.overlay-logo { display: flex; align-items: center; gap: 12px; margin-bottom: 28px; }
.overlay-logo .logo-mark { background: rgba(255,255,255,0.15); }
.overlay-logo .logo-main { color: white; }
.overlay-logo .logo-sub  { color: rgba(255,255,255,0.55); }
.overlay-logo-img { height: 38px; width: auto; object-fit: contain; }
.overlay-nav { display: flex; flex-direction: column; gap: 2px; }
.overlay-nav a {
  color: rgba(255,255,255,0.85); font-size: 1.15rem; font-weight: 500;
  padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.1); transition: color 0.2s;
}
.overlay-nav a:hover { color: white; }

/* ========== HERO ========== */
.hero {
  min-height: 100vh;
  display: flex; align-items: center;
  position: relative; overflow: hidden;
  background: linear-gradient(145deg, var(--teal-darkest) 0%, var(--teal-dark) 45%, var(--teal-mid) 75%, #1a8fa3 100%);
}
.hero-bg { position: absolute; inset: 0; }
.hero-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-orb { position: absolute; border-radius: 50%; pointer-events: none; }
.hero-orb-1 { width: 600px; height: 600px; top: -150px; right: -100px; background: radial-gradient(circle, rgba(56,178,200,0.16), transparent 70%); }
.hero-orb-2 { width: 400px; height: 400px; bottom: -80px; left: -80px; background: radial-gradient(circle, rgba(255,255,255,0.06), transparent 70%); }
.hero::after {
  content: '';
  position: absolute; bottom: -1px; left: 0; right: 0; height: 80px;
  background: var(--white);
  clip-path: polygon(0 100%, 100% 100%, 100% 0);
}
.hero-inner {
  max-width: 1200px; margin: 0 auto;
  padding: 120px 24px 100px;
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
}
.hero-content { display: flex; flex-direction: column; gap: 0; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.25);
  color: white; padding: 7px 16px; border-radius: 100px;
  font-size: 0.73rem; font-weight: 600; margin-bottom: 24px; width: fit-content;
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.6rem, 5vw, 4rem); font-weight: 800;
  line-height: 1.06; color: white; margin-bottom: 18px; letter-spacing: -0.02em;
}
.hero-title .gradient-text {
  background: linear-gradient(135deg, #8ee8f4, #c8f5fb);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.hero-subtitle { font-size: 1.05rem; color: rgba(255,255,255,0.8); max-width: 480px; margin-bottom: 36px; line-height: 1.7; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 52px; }
.hero-cta .btn-primary { background: white; color: var(--teal-dark); box-shadow: 0 4px 20px rgba(0,0,0,0.2); }
.hero-cta .btn-primary:hover { background: var(--off-white); transform: translateY(-2px); }
.hero-cta .btn-outline { border-color: rgba(255,255,255,0.4); color: white; }
.hero-cta .btn-outline:hover { background: rgba(255,255,255,0.15); border-color: white; }
.hero-stats { display: flex; align-items: center; }
.stat { padding: 0 24px; }
.stat:first-child { padding-left: 0; }
.stat-number { font-family: var(--font-display); font-size: 1.9rem; font-weight: 800; color: white; line-height: 1; }
.stat-label  { font-size: 0.72rem; color: rgba(255,255,255,0.62); margin-top: 3px; }
.stat-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.2); flex-shrink: 0; }
/* Hero right cards */
.hero-visual { display: flex; justify-content: flex-end; align-items: center; }
.hero-cards { display: flex; flex-direction: column; gap: 14px; width: 100%; max-width: 360px; }
.hero-card {
  background: rgba(255,255,255,0.1); backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.18); border-radius: var(--radius);
  padding: 18px 20px; display: flex; align-items: center; gap: 14px;
  color: white; transition: all 0.3s;
}
.hero-card:hover { background: rgba(255,255,255,0.16); transform: translateX(-4px); }
.hero-card-icon { font-size: 1.8rem; flex-shrink: 0; }
.hero-card-txt strong { display: block; font-family: var(--font-display); font-size: 0.95rem; font-weight: 700; margin-bottom: 2px; }
.hero-card-txt span  { font-size: 0.78rem; opacity: 0.72; }

/* ========== TICKER ========== */
.market-ticker { background: var(--teal-dark); padding: 11px 0; overflow: hidden; white-space: nowrap; }
.ticker-track { display: inline-flex; gap: 28px; animation: ticker-scroll 28s linear infinite; }
@keyframes ticker-scroll { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }
.ticker-track span { font-size: 0.7rem; font-weight: 600; color: rgba(255,255,255,0.72); text-transform: uppercase; letter-spacing: 0.07em; }
.ticker-track .ticker-sep { color: var(--teal-bright); font-size: 0.5rem; }

/* ========== ABOUT ========== */
.about { background: var(--white); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.about-visual { position: relative; height: 400px; }
.about-logo-bg {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 260px; height: 260px; border-radius: 50%;
  background: var(--surface); border: 2px solid var(--border-mid);
  display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow);
}
.about-logo-bg img { width: 210px; height: 210px; object-fit: contain; }
.about-float-card {
  position: absolute; background: white; border: 1px solid var(--border-mid);
  border-radius: var(--radius-sm); padding: 14px 18px;
  display: flex; align-items: center; gap: 12px; box-shadow: var(--shadow);
}
.about-float-card .card-icon { font-size: 1.5rem; flex-shrink: 0; }
.about-float-card strong { display: block; font-size: 0.85rem; font-weight: 700; color: var(--text-dark); margin-bottom: 2px; }
.about-float-card small { font-size: 0.73rem; color: var(--text-muted); }
.about-float-card.fc-1 { top: 10px; left: 0; right: 60px; }
.about-float-card.fc-2 { top: 115px; left: 60px; right: 0; }
.about-float-card.fc-3 { top: 220px; left: 0; right: 60px; }
.about-float-card.fc-4 { top: 325px; left: 60px; right: 0; }
.about-text { display: flex; flex-direction: column; gap: 18px; }
.about-lead { font-size: 1.05rem; color: var(--text-dark); line-height: 1.7; font-weight: 500; }
.about-body { font-size: 0.9rem; color: var(--text-muted); line-height: 1.75; }
.about-features { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.feat-item { display: flex; align-items: center; gap: 8px; font-size: 0.84rem; color: var(--text-body); }
.feat-check {
  width: 18px; height: 18px; background: var(--teal); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  font-size: 0.6rem; color: white;
}

/* ========== LEGACY ========== */
.legacy { background: var(--off-white); }
.timeline { position: relative; max-width: 900px; margin: 0 auto; }
.timeline-line {
  position: absolute; left: 50%; transform: translateX(-50%);
  top: 0; bottom: 0; width: 2px;
  background: linear-gradient(to bottom, var(--teal), var(--teal-bright), var(--teal-mid));
  opacity: 0.3;
}
.timeline-item { display: flex; align-items: flex-start; gap: 0; margin-bottom: 40px; }
.timeline-item.left { flex-direction: row; }
.timeline-item.right { flex-direction: row-reverse; }
.timeline-content { flex: 1; padding: 0 36px; }
.timeline-item.right .timeline-content { text-align: right; }
.timeline-dot-wrap { display: flex; justify-content: center; align-items: flex-start; padding-top: 16px; flex-shrink: 0; }
.timeline-dot {
  width: 48px; height: 48px; background: white; border: 2px solid var(--teal-mid);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; box-shadow: var(--shadow); position: relative; z-index: 1;
}
.timeline-card {
  background: white; border: 1px solid var(--border); border-left: 3px solid var(--teal);
  border-radius: var(--radius-sm); padding: 20px 22px; box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s;
}
.timeline-item.right .timeline-card { border-left: none; border-right: 3px solid var(--teal); }
.timeline-card:hover { box-shadow: var(--shadow); }
.timeline-year { font-size: 0.68rem; font-weight: 700; color: var(--teal); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 6px; }
.timeline-card h3 { font-family: var(--font-display); font-size: 1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 6px; }
.timeline-card p { font-size: 0.84rem; color: var(--text-muted); line-height: 1.6; }

/* ========== HOW WE HELP ========== */
.how-we-help { background: var(--white); }
.help-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.help-card {
  background: var(--white); border: 1px solid var(--border);
  border-top: 3px solid var(--accent, var(--teal));
  border-radius: var(--radius-sm); padding: 28px 24px;
  position: relative; transition: all 0.3s; box-shadow: var(--shadow-sm);
}
.help-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.help-step-num { font-family: var(--font-display); font-size: 2.8rem; font-weight: 800; color: var(--accent, var(--teal)); opacity: 0.12; line-height: 1; margin-bottom: 4px; }
.help-icon { font-size: 1.7rem; margin-bottom: 12px; }
.help-card h3 { font-family: var(--font-display); font-size: 1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
.help-card p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.65; }

/* ========== SERVICES ========== */
.services { background: var(--off-white); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.service-card {
  background: white; border: 1px solid var(--border);
  border-radius: var(--radius); padding: 32px 26px;
  position: relative; overflow: hidden; transition: all 0.3s; box-shadow: var(--shadow-sm);
}
.service-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--accent, var(--teal)); transform: scaleX(0); transform-origin: left; transition: transform 0.3s;
}
.service-card:hover::before { transform: scaleX(1); }
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.service-icon { font-size: 2.2rem; margin-bottom: 18px; }
.service-card h3 { font-family: var(--font-display); font-size: 1.05rem; font-weight: 700; color: var(--text-dark); margin-bottom: 10px; }
.service-card p { font-size: 0.86rem; color: var(--text-muted); line-height: 1.65; margin-bottom: 20px; }
.service-link { font-size: 0.85rem; font-weight: 600; color: var(--accent, var(--teal)); display: flex; align-items: center; gap: 6px; transition: gap 0.2s; }
.service-card:hover .service-link { gap: 10px; }

/* ========== SPECIALISTS ========== */
.specialists { background: white; }
.specialists-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.specialist-card {
  background: white; border: 1px solid var(--border);
  border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); transition: all 0.3s;
}
.specialist-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.specialist-card.featured-specialist { border-color: var(--teal); box-shadow: 0 0 0 1px var(--teal), var(--shadow); }
.specialist-featured-tag {
  background: var(--teal); color: white;
  font-size: 0.65rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  padding: 6px; text-align: center;
}
.specialist-photo-wrap {
  background: var(--surface); padding: 32px 0 18px;
  display: flex; flex-direction: column; align-items: center; gap: 10px;
  border-bottom: 1px solid var(--border);
}
.specialist-photo {
  width: 80px; height: 80px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: 1.5rem; font-weight: 800; color: white;
  box-shadow: var(--shadow); border: 3px solid white;
}
.specialist-badge { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; padding: 4px 12px; border-radius: 100px; color: white; }
.specialist-body { padding: 22px; }
.specialist-body h3 { font-family: var(--font-display); font-size: 1.1rem; font-weight: 700; color: var(--text-dark); margin-bottom: 4px; }
.specialist-tagline { font-size: 0.82rem; color: var(--text-muted); font-style: italic; margin-bottom: 12px; display: block; }
.specialist-bio { font-size: 0.83rem; color: var(--text-muted); line-height: 1.65; margin-bottom: 16px; }
.specialist-expertise { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 18px; }
.specialist-expertise span {
  font-size: 0.7rem; background: var(--surface); border: 1px solid var(--border-mid);
  border-radius: 100px; padding: 3px 10px; color: var(--teal); font-weight: 500;
}

/* ========== MARKETS ========== */
.markets { background: var(--teal-darkest); }
.markets .section-label { color: var(--teal-bright); background: rgba(56,178,200,0.1); border-color: rgba(56,178,200,0.3); }
.markets .section-title { color: white; }
.markets-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px; align-items: center; }
.markets-text { display: flex; flex-direction: column; gap: 20px; }
.markets-text .section-label { align-self: flex-start; }
.markets-text h2 { font-family: var(--font-display); font-size: 2.2rem; font-weight: 700; color: white; line-height: 1.15; }
.markets-text p { font-size: 0.9rem; color: rgba(255,255,255,0.68); line-height: 1.7; }
.returns-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
.return-card {
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm); padding: 14px 10px; text-align: center;
}
.return-period { font-size: 0.62rem; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 6px; }
.return-value { font-family: var(--font-display); font-size: 1.15rem; font-weight: 700; color: var(--teal-bright); }
.chart-container {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius); padding: 24px;
}
.chart-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; }
.chart-title { font-family: var(--font-display); font-size: 0.9rem; font-weight: 600; color: white; }
.chart-sub { font-size: 0.72rem; color: rgba(255,255,255,0.4); }
canvas#niftyChart { display: block; width: 100% !important; height: 180px !important; }
.chart-legend { display: flex; align-items: center; gap: 6px; margin-top: 10px; font-size: 0.7rem; color: rgba(255,255,255,0.4); }
.chart-legend-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--teal-bright); }
.chart-disclaimer { font-size: 0.68rem; color: rgba(255,255,255,0.3); margin-top: 10px; }

/* ========== CALCULATOR ========== */
.calculator { background: var(--off-white); }
.calc-wrapper {
  background: white; border: 1px solid var(--border);
  border-radius: var(--radius); overflow: hidden;
  max-width: 920px; margin: 0 auto; box-shadow: var(--shadow);
}
.calc-top-bar {
  background: var(--surface); padding: 18px 28px;
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center; gap: 16px;
}
.calc-toggle {
  display: inline-flex; background: white;
  border: 1.5px solid var(--border-mid); border-radius: var(--radius-sm); padding: 4px; gap: 4px;
}
.toggle-btn {
  padding: 9px 22px; border: none; background: transparent;
  color: var(--text-muted); font-family: var(--font-body);
  font-size: 0.85rem; font-weight: 500; border-radius: 8px; cursor: pointer; transition: all 0.2s;
}
.toggle-btn.active { background: var(--teal); color: white; box-shadow: var(--shadow-teal); }
.calc-panel { display: grid; grid-template-columns: 1.2fr 1fr; gap: 36px; padding: 28px; align-items: center; }
.calc-panel.hidden { display: none; }
.calc-fields { display: flex; flex-direction: column; gap: 24px; }
.calc-field { display: flex; flex-direction: column; gap: 9px; }
.calc-field-header { display: flex; justify-content: space-between; align-items: center; }
.calc-field-header label { font-size: 0.85rem; color: var(--text-muted); font-weight: 500; }
.calc-field-val { font-family: var(--font-display); font-size: 1.1rem; font-weight: 700; color: var(--teal-dark); }
.calc-field input[type="range"] {
  width: 100%; height: 5px; -webkit-appearance: none;
  background: var(--surface-2); border-radius: 3px; outline: none; cursor: pointer; accent-color: var(--teal);
}
.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%;
  background: var(--teal); cursor: pointer; border: 2px solid white; box-shadow: 0 2px 6px rgba(0,0,0,0.15);
}
.range-labels { display: flex; justify-content: space-between; font-size: 0.68rem; color: var(--text-light); margin-top: 2px; }
.calc-result { display: flex; flex-direction: column; gap: 18px; align-items: center; }
.donut-wrap { position: relative; width: 190px; height: 190px; }
.donut-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.donut-label { font-size: 0.65rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; }
.donut-value { font-family: var(--font-display); font-size: 1.3rem; font-weight: 800; color: var(--teal-dark); margin-top: 3px; }
canvas#sipDonut, canvas#lumpDonut { display: block; }
.breakdown { display: flex; flex-direction: column; gap: 12px; width: 100%; }
.breakdown-row { display: flex; align-items: center; gap: 10px; }
.breakdown-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.breakdown-info { flex: 1; display: flex; justify-content: space-between; align-items: center; }
.breakdown-info span { font-size: 0.82rem; color: var(--text-muted); }
.breakdown-info strong { font-family: var(--font-display); font-size: 0.95rem; color: var(--text-dark); }
.breakdown-cagr {
  display: flex; justify-content: space-between; align-items: center;
  background: var(--surface); border: 1px solid var(--border-mid);
  border-radius: var(--radius-sm); padding: 11px 16px;
}
.breakdown-cagr span { font-size: 0.82rem; color: var(--text-muted); }
.breakdown-cagr strong { font-family: var(--font-display); font-size: 1.05rem; color: var(--teal-dark); font-weight: 800; }

/* ========== TESTIMONIALS ========== */
.testimonials { background: var(--white); }
.testimonials-carousel { display: flex; gap: 20px; overflow: hidden; }
.testi-card {
  min-width: calc(33.333% - 14px); background: white;
  border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px; display: flex; flex-direction: column; gap: 16px;
  flex-shrink: 0; box-shadow: var(--shadow-sm); transition: all 0.3s;
}
.testi-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.testi-top { display: flex; align-items: center; gap: 14px; }
.testi-avatar {
  width: 52px; height: 52px; background: var(--color, var(--teal));
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-size: 1rem; font-weight: 800; color: white; flex-shrink: 0;
}
.testi-name { font-family: var(--font-display); font-size: 0.95rem; font-weight: 700; color: var(--text-dark); }
.testi-meta { font-size: 0.76rem; color: var(--text-muted); margin-top: 2px; }
.testi-stars { color: var(--accent-gold); font-size: 0.9rem; margin-top: 4px; letter-spacing: 2px; }
.testi-text { font-size: 0.87rem; color: var(--text-muted); line-height: 1.7; flex: 1; font-style: italic; }
.testi-product { font-size: 0.74rem; color: var(--teal); font-weight: 500; }
.testi-nav { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 32px; }
.testi-btn {
  width: 40px; height: 40px; background: white; border: 1.5px solid var(--border-mid);
  border-radius: 50%; color: var(--teal); font-size: 1rem; cursor: pointer; transition: all 0.2s;
  display: flex; align-items: center; justify-content: center;
}
.testi-btn:hover { background: var(--teal); color: white; border-color: var(--teal); }
.testi-dots { display: flex; gap: 8px; }
.testi-dot { width: 8px; height: 8px; background: var(--surface-2); border-radius: 50%; cursor: pointer; transition: all 0.3s; }
.testi-dot.active { background: var(--teal); width: 20px; border-radius: 4px; }

/* ========== BLOGS ========== */
.blogs { background: var(--off-white); }
.blogs-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.blog-card {
  background: white; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px; display: flex; flex-direction: column; gap: 14px;
  transition: all 0.3s; box-shadow: var(--shadow-sm);
}
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.blog-cat {
  display: inline-block; width: fit-content; font-size: 0.7rem; font-weight: 600;
  letter-spacing: 0.06em; text-transform: uppercase; padding: 5px 12px;
  border-radius: 100px; border: 1px solid;
}
.blog-title { font-family: var(--font-display); font-size: 1.05rem; font-weight: 700; color: var(--text-dark); line-height: 1.4; }
.blog-excerpt { font-size: 0.87rem; color: var(--text-muted); line-height: 1.65; flex: 1; }
.blog-footer { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.blog-date, .blog-read { font-size: 0.76rem; color: var(--text-light); }
.blog-link { font-size: 0.85rem; font-weight: 600; color: var(--teal); margin-left: auto; }
.blog-link:hover { text-decoration: underline; }

/* ========== FAQ ========== */
.faq { background: var(--white); }
.faq-cols { display: grid; grid-template-columns: 1.5fr 1fr; gap: 48px; align-items: start; }
.faq-list { display: flex; flex-direction: column; gap: 8px; }
.faq-item { background: white; border: 1px solid var(--border); border-radius: var(--radius-sm); overflow: hidden; transition: border-color 0.2s; }
.faq-item.open { border-color: var(--teal-mid); }
.faq-question {
  width: 100%; padding: 18px 20px; background: none; border: none; text-align: left;
  display: flex; justify-content: space-between; align-items: center;
  cursor: pointer; font-family: var(--font-body); font-size: 0.9rem; font-weight: 500;
  color: var(--text-dark); gap: 12px; transition: background 0.2s;
}
.faq-question:hover { background: var(--surface); }
.faq-icon {
  width: 26px; height: 26px; border: 1.5px solid var(--border-mid);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem; color: var(--teal); flex-shrink: 0; transition: all 0.2s; font-style: normal;
}
.faq-item.open .faq-icon { background: var(--teal); color: white; border-color: var(--teal); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-answer p { padding: 0 20px 18px; font-size: 0.87rem; color: var(--text-muted); line-height: 1.7; }
.faq-aside { display: flex; flex-direction: column; gap: 20px; position: sticky; top: 100px; }
.faq-cta-box {
  background: linear-gradient(135deg, var(--teal-dark), var(--teal));
  border-radius: var(--radius); padding: 32px; color: white;
  display: flex; flex-direction: column; align-items: flex-start; gap: 12px;
}
.faq-cta-box h3 { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; }
.faq-cta-box p { font-size: 0.86rem; opacity: 0.85; line-height: 1.6; }
.faq-cta-box .btn-white { width: 100%; justify-content: center; margin-top: 4px; }
.faq-cta-box .btn-outline { width: 100%; justify-content: center; border-color: rgba(255,255,255,0.4); color: white; }
.faq-cta-box .btn-outline:hover { background: rgba(255,255,255,0.15); border-color: white; }
.faq-stats-box {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px;
  display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; text-align: center;
}
.faq-stat { display: flex; flex-direction: column; gap: 4px; }
.faq-stat-num { font-family: var(--font-display); font-size: 1.5rem; font-weight: 800; color: var(--teal); }
.faq-stat span:last-child { font-size: 0.72rem; color: var(--text-muted); }

/* ========== CONTACT ========== */
.contact { background: var(--off-white); }
.contact-full-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: start; }
.form-title { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; color: var(--text-dark); margin-bottom: 24px; }
.form-group { display: flex; flex-direction: column; gap: 7px; }
.form-group label { font-size: 0.8rem; font-weight: 600; color: var(--text-body); }
.form-group input, .form-group select, .form-group textarea {
  background: white; border: 1.5px solid var(--border-mid); border-radius: var(--radius-sm);
  padding: 11px 14px; color: var(--text-dark); font-family: var(--font-body); font-size: 0.9rem;
  transition: border-color 0.2s; width: 100%;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(26,107,124,0.1);
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-success { background: #ecfdf5; border: 1px solid #a7f3d0; color: #047857; padding: 14px 18px; border-radius: var(--radius-sm); font-size: 0.88rem; margin-bottom: 16px; }
.form-error   { background: #fef2f2; border: 1px solid #fca5a5; color: #b91c1c; padding: 14px 18px; border-radius: var(--radius-sm); font-size: 0.88rem; margin-bottom: 16px; }
.contact-right { display: flex; flex-direction: column; gap: 20px; }
.contact-info-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.cinfo-card {
  display: flex; align-items: flex-start; gap: 12px;
  background: white; border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 16px; box-shadow: var(--shadow-sm);
}
.cinfo-icon { font-size: 1.4rem; flex-shrink: 0; }
.cinfo-card strong { display: block; font-size: 0.8rem; color: var(--text-dark); margin-bottom: 3px; }
.cinfo-card p, .cinfo-card a { font-size: 0.8rem; color: var(--text-muted); line-height: 1.55; }
.cinfo-card a { color: var(--teal); }
.map-container { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); box-shadow: var(--shadow-sm); }
.map-container iframe { display: block; }

/* ========== APP SECTION ========== */
.app-section { background: var(--teal-dark); }
.app-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.app-content { display: flex; flex-direction: column; gap: 18px; }
.app-content .section-label { align-self: flex-start; color: var(--teal-bright); background: rgba(56,178,200,0.12); border-color: rgba(56,178,200,0.3); }
.app-content h2 { font-family: var(--font-display); font-size: 2.2rem; font-weight: 700; color: white; line-height: 1.2; }
.app-content p { font-size: 0.9rem; color: rgba(255,255,255,0.72); line-height: 1.7; }
.app-features { display: flex; flex-direction: column; gap: 8px; }
.app-features li { font-size: 0.9rem; color: rgba(255,255,255,0.82); }
.app-buttons { display: flex; gap: 12px; flex-wrap: wrap; }
.app-store-btn {
  display: flex; align-items: center; gap: 12px;
  background: white; color: var(--teal-dark);
  padding: 12px 20px; border-radius: var(--radius-sm); text-decoration: none;
  transition: all 0.22s; border: 2px solid transparent;
}
.app-store-btn:hover { background: transparent; color: white; border-color: white; }
.app-store-btn .store-label { font-size: 0.62rem; opacity: 0.7; text-transform: uppercase; letter-spacing: 0.06em; display: block; margin-bottom: 1px; }
.app-store-btn .store-name { font-size: 0.95rem; font-weight: 700; font-family: var(--font-display); }
.app-visual { display: flex; justify-content: center; }
.phone-mockup {
  width: 230px; background: var(--teal-darkest); border-radius: 32px; padding: 12px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.5), 0 0 0 1px rgba(255,255,255,0.1);
}
.phone-screen { background: white; border-radius: 22px; overflow: hidden; }
.phone-ui { padding: 16px; display: flex; flex-direction: column; gap: 12px; }
.phone-header { display: flex; justify-content: space-between; align-items: center; }
.phone-logo { font-family: var(--font-display); font-size: 0.85rem; font-weight: 800; color: var(--teal-dark); }
.phone-avatar { width: 28px; height: 28px; border-radius: 50%; background: var(--teal); color: white; font-size: 0.65rem; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.phone-balance { background: var(--teal-dark); border-radius: 10px; padding: 16px; color: white; }
.phone-label { font-size: 0.6rem; opacity: 0.65; text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 4px; }
.phone-value { font-family: var(--font-display); font-size: 1.3rem; font-weight: 800; }
.phone-gain { font-size: 0.7rem; color: #7adce8; margin-top: 3px; }
.phone-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.phone-mini-card { background: var(--surface); border: 1px solid var(--border); border-radius: 8px; padding: 10px; display: flex; align-items: center; gap: 7px; font-size: 0.65rem; color: var(--text-muted); }
.phone-mini-card span { font-size: 1rem; }
.phone-chart { background: var(--surface); border-radius: 8px; padding: 10px; }

/* ========== NEWSLETTER ========== */
.newsletter-banner {
  background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 52px 0;
}
.newsletter-inner { display: flex; align-items: center; gap: 52px; flex-wrap: wrap; }
.newsletter-text { display: flex; align-items: flex-start; gap: 18px; flex: 1; min-width: 280px; }
.newsletter-icon { font-size: 2.5rem; flex-shrink: 0; }
.newsletter-text h3 { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: var(--text-dark); margin-bottom: 7px; }
.newsletter-text p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.65; }
.newsletter-text a { color: var(--teal); }
.newsletter-form-wrap { flex: 1; min-width: 280px; }
.newsletter-form { display: flex; flex-direction: column; gap: 10px; }
.newsletter-form input {
  background: white; border: 1.5px solid var(--border-mid); border-radius: var(--radius-sm);
  padding: 12px 16px; color: var(--text-dark); font-family: var(--font-body); font-size: 0.9rem;
  transition: border-color 0.2s; width: 100%;
}
.newsletter-form input:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(26,107,124,0.1); }
.nl-success { background: #ecfdf5; border: 1px solid #a7f3d0; color: #047857; padding: 12px 16px; border-radius: var(--radius-sm); font-size: 0.88rem; margin-bottom: 10px; }
.nl-error   { background: #fef2f2; border: 1px solid #fca5a5; color: #b91c1c; padding: 12px 16px; border-radius: var(--radius-sm); font-size: 0.88rem; margin-bottom: 10px; }
.nl-disclaimer { font-size: 0.72rem; color: var(--text-light); margin-top: 8px; }

/* ========== FOOTER ========== */
.footer { background: var(--teal-darkest); padding: 60px 0 28px; position: relative; overflow: hidden; }
.footer-glow {
  position: absolute; top: 0; left: 50%; transform: translateX(-50%);
  width: 600px; height: 200px;
  background: radial-gradient(ellipse, rgba(56,178,200,0.08), transparent 70%); pointer-events: none;
}
.footer-top { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-brand { display: flex; flex-direction: column; gap: 14px; }
.footer-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.footer-logo-img { height: 40px; width: auto; object-fit: contain; }
.footer-logo .logo-mark { background: linear-gradient(135deg, var(--teal-mid), var(--teal-bright)); }
.footer-logo .logo-main { color: white; }
.footer-logo .logo-sub  { color: rgba(255,255,255,0.5); }
.footer-tagline { font-size: 0.82rem; color: rgba(255,255,255,0.5); line-height: 1.65; }
.footer-col h4 { font-family: var(--font-display); font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: rgba(255,255,255,0.88); margin-bottom: 16px; }
.footer-col ul { display: flex; flex-direction: column; gap: 9px; }
.footer-col a { font-size: 0.82rem; color: rgba(255,255,255,0.5); transition: color 0.2s; }
.footer-col a:hover { color: var(--teal-bright); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; display: flex; flex-direction: column; gap: 8px; }
.footer-bottom p { font-size: 0.76rem; color: rgba(255,255,255,0.38); }
.footer-disclaimer { line-height: 1.65; }

/* ========== INNER PAGE EXTRAS ========== */
.inner-hero { background: linear-gradient(135deg, var(--teal-darkest), var(--teal-dark)); padding: 100px 0 60px; color: white; text-align: center; }
.inner-hero h1 { font-family: var(--font-display); font-size: 2.5rem; font-weight: 800; margin-bottom: 14px; color: white; }
.inner-hero p { font-size: 1rem; opacity: 0.8; max-width: 500px; margin: 0 auto; }
.contact-strip { display: flex; align-items: center; padding: 28px 0; flex-wrap: wrap; gap: 16px; border-bottom: 1px solid var(--border); }
.cstrip-item { display: flex; align-items: center; gap: 14px; flex: 1; min-width: 160px; }
.cstrip-icon { font-size: 1.5rem; }
.cstrip-item strong { display: block; font-size: 0.8rem; margin-bottom: 2px; color: var(--text-dark); }
.cstrip-item p, .cstrip-item a { font-size: 0.84rem; color: var(--text-muted); }
.cstrip-item a { color: var(--teal); }
.cstrip-divider { width: 1px; height: 40px; background: var(--border); flex-shrink: 0; }
.contact-page-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.contact-page-heading { font-family: var(--font-display); font-size: 1.4rem; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
.contact-specialists { display: flex; flex-direction: column; gap: 12px; }
.contact-specialist-row { display: flex; align-items: center; gap: 16px; background: white; border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 16px; transition: all 0.2s; box-shadow: var(--shadow-sm); }
.contact-specialist-row:hover { border-color: var(--teal); box-shadow: var(--shadow); }
.cspec-avatar { width: 44px; height: 44px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-size: 0.9rem; font-weight: 800; color: white; flex-shrink: 0; }
.cspec-info { flex: 1; display: flex; flex-direction: column; gap: 2px; }
.cspec-info strong { font-size: 0.92rem; color: var(--text-dark); }
.cspec-info span { font-size: 0.76rem; color: var(--text-muted); }
.cspec-tags { font-size: 0.72rem !important; color: var(--teal) !important; }
.radio-group { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-label { display: flex; align-items: center; gap: 8px; font-size: 0.87rem; color: var(--text-muted); cursor: pointer; }
.radio-label input[type="radio"] { accent-color: var(--teal); }
.why-contact-box { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
.why-contact-box h4 { font-family: var(--font-display); font-size: 0.95rem; font-weight: 700; margin-bottom: 14px; color: var(--text-dark); }
.why-contact-box ul { display: flex; flex-direction: column; gap: 9px; }
.why-contact-box li { font-size: 0.87rem; color: var(--text-muted); }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.process-step { text-align: center; }
.process-num { width: 52px; height: 52px; background: var(--teal); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-size: 1.1rem; font-weight: 800; color: white; margin: 0 auto 16px; }
.process-step h4 { font-family: var(--font-display); font-size: 0.95rem; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
.process-step p { font-size: 0.84rem; color: var(--text-muted); line-height: 1.6; }

/* ========== SCROLL REVEAL ========== */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ========== RESPONSIVE ========== */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { display: none; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-visual { height: 240px; }
  .markets-grid { grid-template-columns: 1fr; }
  .returns-cards { grid-template-columns: repeat(4, 1fr); }
  .specialists-grid { grid-template-columns: 1fr 1fr; }
  .specialists-grid .specialist-card:last-child { grid-column: 1/-1; max-width: 420px; margin: 0 auto; }
  .calc-panel { grid-template-columns: 1fr; }
  .faq-cols { grid-template-columns: 1fr; }
  .faq-aside { position: static; }
  .contact-page-grid { grid-template-columns: 1fr; gap: 40px; }
  .contact-full-grid { grid-template-columns: 1fr; }
  .help-grid { grid-template-columns: repeat(2, 1fr); }
  .app-inner { grid-template-columns: 1fr; text-align: center; }
  .app-content .section-label { align-self: center; }
  .app-visual { display: none; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .nav-actions .app-dropdown-wrap { display: none; }
  .section { padding: 72px 0; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .specialists-grid { grid-template-columns: 1fr; }
  .specialists-grid .specialist-card:last-child { max-width: 100%; }
  .testi-card { min-width: calc(50% - 10px); }
  .blogs-grid { grid-template-columns: 1fr; }
  .contact-info-cards { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .process-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .hero-title { font-size: 2.4rem; }
  .hero-stats { flex-wrap: wrap; gap: 16px; }
  .stat-divider { display: none; }
  .stat { padding: 0; }
  .help-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .returns-cards { grid-template-columns: repeat(2, 1fr); }
  .testi-card { min-width: 100%; }
  .newsletter-inner { flex-direction: column; gap: 28px; }
  .cstrip-divider { display: none; }
  .faq-stats-box { grid-template-columns: 1fr; }
  .blogs-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
}