/* ==========================================================================
   A.V INVESTMENT — Premium Insurance & Investment Advisory
   Design tokens: Black #0B0B0B / Gold #D4AF37 / Emerald #18A558
   Signature element: rotating gold ring motif (from logo) used as a
   recurring section marker + loader, tying every section back to the brand.
   ========================================================================== */

:root{
  --black:#0B0B0B;
  --black-soft:#141412;
  --charcoal:#1D1D1B;
  --gold:#D4AF37;
  --gold-light:#F0D879;
  --gold-dim:#8a742a;
  --emerald:#18A558;
  --emerald-dark:#0F7A40;
  --white:#FFFFFF;
  --grey-100:#F7F6F3;
  --grey-200:#EDEBE4;
  --grey-500:#8A8A82;
  --grey-700:#4A4A45;

  --font-head:'Poppins', sans-serif;
  --font-body:'Inter', sans-serif;

  --radius-sm:10px;
  --radius-md:18px;
  --radius-lg:28px;

  --shadow-soft: 0 10px 40px -12px rgba(11,11,11,0.18);
  --shadow-gold: 0 12px 32px -10px rgba(212,175,55,0.45);
  --shadow-deep: 0 30px 60px -20px rgba(0,0,0,0.45);

  --container: 1240px;
  --header-h: 84px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:var(--font-body);
  color:var(--black);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block;}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
button{font-family:inherit;cursor:pointer;border:none;background:none;}
input,select,textarea{font-family:inherit;}

h1,h2,h3,h4{font-family:var(--font-head);font-weight:700;line-height:1.15;color:var(--black);}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--font-body);font-weight:600;font-size:.78rem;
  letter-spacing:.16em;text-transform:uppercase;color:var(--emerald-dark);
  margin-bottom:14px;
}
.eyebrow::before{
  content:'';width:22px;height:2px;background:var(--gold);display:inline-block;
}
.section-title{font-size:clamp(1.8rem,3.4vw,2.6rem);margin-bottom:14px;}
.section-title span{color:var(--emerald);}
.section-sub{color:var(--grey-700);font-size:1.03rem;max-width:620px;}
.section-head{margin-bottom:48px;}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto;}
.section-head.center .section-sub{margin-left:auto;margin-right:auto;}

.container{max-width:var(--container);margin:0 auto;padding:0 24px;}
section{padding:96px 0;position:relative;}
.bg-dark{background:var(--black);color:var(--white);}
.bg-dark .section-sub{color:rgba(255,255,255,0.65);}
.bg-grey{background:var(--grey-100);}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:16px 34px;border-radius:100px;font-weight:600;font-size:.95rem;
  letter-spacing:.02em;transition:all .35s cubic-bezier(.2,.8,.2,1);
  white-space:nowrap;position:relative;
}
.btn-gold{
  background:linear-gradient(135deg,var(--gold-light),var(--gold) 60%,#b8912a);
  color:var(--black);box-shadow:var(--shadow-gold);
}
.btn-gold:hover{transform:translateY(-3px);box-shadow:0 18px 40px -10px rgba(212,175,55,0.6);}
.btn-emerald{
  background:var(--emerald);color:var(--white);
  box-shadow:0 12px 28px -10px rgba(24,165,88,0.55);
}
.btn-emerald:hover{background:var(--emerald-dark);transform:translateY(-3px);}
.btn-outline{
  border:1.5px solid rgba(255,255,255,.5);color:var(--white);background:rgba(255,255,255,.04);
  backdrop-filter:blur(6px);
}
.btn-outline:hover{border-color:var(--gold);color:var(--gold-light);}
.btn-outline-dark{border:1.5px solid var(--black);color:var(--black);}
.btn-outline-dark:hover{background:var(--black);color:var(--white);}
.btn-sm{padding:11px 22px;font-size:.85rem;}
.btn-block{width:100%;}

/* ---------- Ring signature motif ---------- */
.gold-ring{
  position:relative;
}
.gold-ring::after{
  content:'';position:absolute;inset:-14px;border:1.5px solid var(--gold);
  border-radius:50%;opacity:.55;animation:spin 18s linear infinite;
}
.gold-ring::before{
  content:'';position:absolute;inset:-26px;border:1px dashed rgba(212,175,55,.35);
  border-radius:50%;animation:spin 30s linear infinite reverse;
}
@keyframes spin{to{transform:rotate(360deg);}}

/* ---------- Preloader ---------- */
#preloader{
  position:fixed;inset:0;background:var(--black);z-index:9999;
  display:flex;align-items:center;justify-content:center;
  transition:opacity .6s ease, visibility .6s ease;
}
#preloader.loaded{opacity:0;visibility:hidden;}
.loader-ring{
  width:64px;height:64px;border-radius:50%;
  border:3px solid rgba(212,175,55,.2);
  border-top-color:var(--gold);
  animation:spin 1s linear infinite;
  position:relative;
}
.loader-ring::after{
  content:'';position:absolute;inset:10px;border-radius:50%;
  border:2px solid rgba(24,165,88,.25);border-bottom-color:var(--emerald);
  animation:spin 1.6s linear infinite reverse;
}

/* ---------- Header ---------- */
header{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  height:var(--header-h);display:flex;align-items:center;
  transition:all .4s ease;
  background:rgba(11,11,11,0.0);
}
header.scrolled{
  background:rgba(11,11,11,0.88);
  backdrop-filter:blur(14px) saturate(140%);
  height:70px;box-shadow:0 8px 30px -12px rgba(0,0,0,.4);
}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;width:100%;}
.brand{display:flex;align-items:center;gap:12px;color:var(--white);}
.brand img{height:46px;width:auto;border-radius:8px;}
.brand .name{font-family:var(--font-head);font-weight:700;font-size:1.15rem;letter-spacing:.02em;}
.brand .name small{display:block;font-family:var(--font-body);font-weight:400;font-size:.65rem;letter-spacing:.2em;color:var(--gold-light);text-transform:uppercase;}

.nav-links{display:flex;align-items:center;gap:2px;}
.nav-links a{
  color:rgba(255,255,255,.82);padding:10px 16px;font-size:.9rem;font-weight:500;
  border-radius:8px;transition:all .25s ease;position:relative;
}
.nav-links a:hover{color:var(--gold-light);}
.nav-cta{display:flex;align-items:center;gap:14px;}
.header-call{color:var(--white);display:flex;align-items:center;gap:8px;font-size:.85rem;}
.header-call i{color:var(--emerald);}

.hamburger{display:none;flex-direction:column;gap:5px;padding:6px;}
.hamburger span{width:26px;height:2px;background:var(--white);border-radius:2px;transition:.3s;}

/* ---------- Hero ---------- */
.hero{
  min-height:100vh;position:relative;display:flex;align-items:center;
  color:var(--white);padding-top:var(--header-h);overflow:hidden;
}
.hero-bg{
  position:absolute;inset:0;background-image:url('../images/family-protection.jpg');
  background-size:cover;background-position:center 30%;
  will-change:transform;
}
.hero-overlay{
  position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(11,11,11,.94) 22%,rgba(11,11,11,.72) 52%,rgba(11,11,11,.4) 100%);
}
.hero-content{position:relative;z-index:2;max-width:640px;}
.hero-badge{
  display:inline-flex;align-items:center;gap:10px;padding:8px 18px;border-radius:100px;
  background:rgba(212,175,55,.12);border:1px solid rgba(212,175,55,.4);
  color:var(--gold-light);font-size:.8rem;font-weight:600;letter-spacing:.05em;margin-bottom:24px;
}
.hero-badge i{color:var(--emerald);}
.hero h1{font-size:clamp(2.4rem,5.2vw,4rem);margin-bottom:20px;}
.hero h1 em{font-style:normal;color:var(--gold);}
.hero p.lead{font-size:1.15rem;color:rgba(255,255,255,.78);margin-bottom:36px;max-width:520px;}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:56px;}
.hero-stats{display:flex;gap:40px;flex-wrap:wrap;}
.hero-stats .stat b{font-family:var(--font-head);font-size:1.9rem;color:var(--gold-light);display:block;}
.hero-stats .stat span{font-size:.8rem;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.08em;}
.hero-scroll{
  position:absolute;bottom:36px;left:50%;transform:translateX(-50%);z-index:2;
  color:rgba(255,255,255,.6);display:flex;flex-direction:column;align-items:center;gap:8px;font-size:.72rem;
  letter-spacing:.2em;text-transform:uppercase;
}
.hero-scroll .line{width:1px;height:34px;background:linear-gradient(var(--gold),transparent);animation:scrollLine 2s ease infinite;}
@keyframes scrollLine{0%{opacity:0;transform:scaleY(0);transform-origin:top;}50%{opacity:1;transform:scaleY(1);transform-origin:top;}100%{opacity:0;transform:scaleY(1);transform-origin:bottom;}}

/* ---------- Marquee partners strip ---------- */
.trust-strip{background:var(--grey-100);padding:22px 0;overflow:hidden;border-bottom:1px solid var(--grey-200);}
.trust-strip .marquee-track{display:flex;gap:64px;width:max-content;animation:marquee 32s linear infinite;}
.trust-strip .marquee-track span{
  font-family:var(--font-head);font-weight:600;color:var(--grey-700);font-size:1rem;
  display:flex;align-items:center;gap:10px;opacity:.75;white-space:nowrap;
}
.trust-strip .marquee-track span i{color:var(--gold);}
@keyframes marquee{from{transform:translateX(0);}to{transform:translateX(-50%);}}

/* ---------- About ---------- */
.about-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center;}
.about-media{position:relative;}
.about-media img{border-radius:var(--radius-lg);box-shadow:var(--shadow-deep);width:100%;height:520px;object-fit:cover;}
.about-badge{
  position:absolute;bottom:-30px;right:-24px;background:var(--white);border-radius:var(--radius-md);
  padding:22px 26px;box-shadow:var(--shadow-soft);display:flex;align-items:center;gap:16px;
  border:1px solid var(--grey-200);
}
.about-badge .ring-icon{
  width:54px;height:54px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  background:var(--black);color:var(--gold);font-size:1.3rem;flex-shrink:0;
}
.about-badge b{font-family:var(--font-head);font-size:1.3rem;display:block;color:var(--emerald);}
.about-badge span{font-size:.78rem;color:var(--grey-700);}
.about-points{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:32px 0 36px;}
.about-point{display:flex;gap:14px;align-items:flex-start;}
.about-point i{color:var(--emerald);font-size:1.2rem;margin-top:3px;}
.about-point h4{font-size:1rem;margin-bottom:4px;}
.about-point p{font-size:.86rem;color:var(--grey-700);}
.owner-strip{
  display:flex;align-items:center;gap:16px;margin-top:36px;padding-top:28px;border-top:1px solid var(--grey-200);
}
.owner-strip img{width:58px;height:58px;border-radius:50%;object-fit:cover;border:2px solid var(--gold);}
.owner-strip b{font-family:var(--font-head);display:block;}
.owner-strip span{font-size:.82rem;color:var(--grey-700);}

/* ---------- Services ---------- */
.services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;}
.service-card{
  background:var(--white);border-radius:var(--radius-md);overflow:hidden;
  box-shadow:var(--shadow-soft);border:1px solid var(--grey-200);
  transition:transform .45s cubic-bezier(.2,.8,.2,1),box-shadow .45s ease;
  display:flex;flex-direction:column;
}
.service-card:hover{transform:translateY(-10px);box-shadow:var(--shadow-deep);}
.service-media{position:relative;height:190px;overflow:hidden;}
.service-media img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease;}
.service-card:hover .service-media img{transform:scale(1.08);}
.service-media::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,transparent 50%,rgba(11,11,11,.55));}
.service-tag{
  position:absolute;top:14px;left:14px;background:rgba(212,175,55,.95);color:var(--black);
  font-size:.68rem;font-weight:700;letter-spacing:.05em;padding:5px 12px;border-radius:100px;text-transform:uppercase;z-index:2;
}
.service-body{padding:24px 22px 26px;display:flex;flex-direction:column;flex:1;}
.service-body h3{font-size:1.12rem;margin-bottom:10px;}
.service-body p{font-size:.86rem;color:var(--grey-700);margin-bottom:16px;flex:1;}
.service-benefits{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:20px;}
.service-benefits span{
  font-size:.72rem;background:var(--grey-100);color:var(--grey-700);padding:5px 10px;border-radius:100px;
  border:1px solid var(--grey-200);
}
.service-cta{
  display:flex;align-items:center;justify-content:space-between;font-weight:600;font-size:.85rem;
  color:var(--emerald-dark);padding-top:16px;border-top:1px solid var(--grey-200);
}
.service-cta i{transition:transform .3s ease;}
.service-card:hover .service-cta i{transform:translateX(5px);}
.services-more{text-align:center;margin-top:48px;}

/* ---------- Investment / SIP ---------- */
.invest-section{background:var(--black);color:var(--white);position:relative;}
.invest-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;margin-bottom:70px;}
.invest-media{position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-deep);}
.invest-media img{width:100%;height:440px;object-fit:cover;}
.invest-media .ring-badge{
  position:absolute;top:24px;right:24px;width:88px;height:88px;border-radius:50%;
  background:rgba(11,11,11,.7);backdrop-filter:blur(6px);border:1px solid rgba(212,175,55,.5);
  display:flex;flex-direction:column;align-items:center;justify-content:center;color:var(--gold-light);
}
.invest-media .ring-badge b{font-family:var(--font-head);font-size:1.1rem;}
.invest-media .ring-badge span{font-size:.6rem;letter-spacing:.05em;}
.invest-copy .section-sub{color:rgba(255,255,255,.68);}
.sip-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.sip-card{
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-md);
  padding:32px 26px;transition:.4s ease;
}
.sip-card:hover{border-color:var(--gold);background:rgba(212,175,55,.06);transform:translateY(-6px);}
.sip-card .num{
  width:46px;height:46px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold);
  display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:600;margin-bottom:20px;
}
.sip-card h4{color:var(--white);font-size:1.05rem;margin-bottom:10px;}
.sip-card p{font-size:.85rem;color:rgba(255,255,255,.62);}

/* ---------- Why choose us ---------- */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.why-card{
  padding:34px 26px;background:var(--white);border-radius:var(--radius-md);border:1px solid var(--grey-200);
  transition:.4s ease;text-align:left;
}
.why-card:hover{box-shadow:var(--shadow-soft);border-color:var(--gold);transform:translateY(-6px);}
.why-icon{
  width:58px;height:58px;border-radius:16px;background:linear-gradient(135deg,var(--emerald),var(--emerald-dark));
  color:var(--white);display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:20px;
}
.why-card h4{font-size:1.02rem;margin-bottom:8px;}
.why-card p{font-size:.85rem;color:var(--grey-700);}

/* ---------- Stats ---------- */
.stats-band{background:linear-gradient(120deg,var(--black),#161611);color:var(--white);padding:70px 0;}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center;}
.stat-item b{
  font-family:var(--font-head);font-size:clamp(2.2rem,4vw,3.2rem);color:var(--gold-light);
  display:block;
}
.stat-item span{font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.6);}

/* ---------- Partners ---------- */
.partners-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:18px;}
.partner-chip{
  background:var(--white);border:1px solid var(--grey-200);border-radius:var(--radius-sm);
  padding:20px 14px;text-align:center;font-family:var(--font-head);font-weight:600;font-size:.86rem;
  color:var(--grey-700);transition:.3s ease;
}
.partner-chip:hover{border-color:var(--emerald);color:var(--emerald-dark);transform:translateY(-4px);box-shadow:var(--shadow-soft);}

/* ---------- Process ---------- */
.process-row{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
.process-step{padding:0 20px;text-align:center;position:relative;}
.process-step .step-num{
  width:70px;height:70px;border-radius:50%;margin:0 auto 22px;display:flex;align-items:center;justify-content:center;
  background:var(--white);border:2px solid var(--gold);color:var(--black);font-family:var(--font-head);
  font-weight:700;font-size:1.3rem;position:relative;z-index:2;
}
.process-step h4{font-size:1rem;margin-bottom:8px;}
.process-step p{font-size:.84rem;color:var(--grey-700);}
.process-line{
  position:absolute;top:35px;left:calc(12.5% + 35px);right:calc(12.5% + 35px);height:2px;
  background:repeating-linear-gradient(90deg,var(--gold) 0 8px,transparent 8px 16px);z-index:1;
}

/* ---------- Testimonials ---------- */
.testi-slide{padding:6px;}
.testi-card{
  background:var(--white);border-radius:var(--radius-md);padding:36px 32px;border:1px solid var(--grey-200);
  box-shadow:var(--shadow-soft);height:100%;
}
.testi-stars{color:var(--gold);margin-bottom:16px;font-size:.9rem;}
.testi-card p.quote{font-size:.95rem;color:var(--grey-700);margin-bottom:24px;min-height:96px;}
.testi-person{display:flex;align-items:center;gap:14px;}
.testi-avatar{
  width:48px;height:48px;border-radius:50%;background:var(--black);color:var(--gold);
  display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;
}
.testi-person b{display:block;font-family:var(--font-head);font-size:.92rem;}
.testi-person span{font-size:.78rem;color:var(--grey-500);}
.swiper-pagination-bullet{background:var(--grey-500);opacity:.4;}
.swiper-pagination-bullet-active{background:var(--emerald);opacity:1;}

/* ---------- Calculator ---------- */
.calc-wrap{
  background:var(--white);border-radius:var(--radius-lg);box-shadow:var(--shadow-deep);
  padding:44px;display:grid;grid-template-columns:1fr 1fr;gap:50px;border:1px solid var(--grey-200);
}
.calc-field{margin-bottom:26px;}
.calc-field label{display:flex;justify-content:space-between;font-size:.88rem;font-weight:600;margin-bottom:10px;}
.calc-field label span{color:var(--emerald-dark);}
.calc-field input[type=range]{
  width:100%;accent-color:var(--emerald);height:6px;
}
.calc-tabs{display:flex;gap:10px;margin-bottom:30px;}
.calc-tab{
  flex:1;padding:12px;text-align:center;border-radius:100px;border:1.5px solid var(--grey-200);
  font-weight:600;font-size:.85rem;transition:.3s;
}
.calc-tab.active{background:var(--black);color:var(--gold);border-color:var(--black);}
.calc-result{
  background:linear-gradient(150deg,var(--black),#181812);border-radius:var(--radius-md);
  padding:36px;color:var(--white);display:flex;flex-direction:column;justify-content:center;
}
.calc-result .r-label{font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.55);margin-bottom:6px;}
.calc-result .r-value{font-family:var(--font-head);font-size:2.4rem;color:var(--gold-light);margin-bottom:24px;}
.calc-breakdown{display:flex;flex-direction:column;gap:14px;margin-bottom:28px;}
.calc-breakdown div{display:flex;justify-content:space-between;font-size:.88rem;padding-bottom:14px;border-bottom:1px solid rgba(255,255,255,.1);}
.calc-breakdown div b{color:var(--emerald);}

/* ---------- FAQ ---------- */
.faq-list{max-width:820px;margin:0 auto;}
.faq-item{
  border-bottom:1px solid var(--grey-200);padding:22px 0;
}
.faq-q{
  display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:600;
  font-family:var(--font-head);font-size:1rem;gap:20px;
}
.faq-q i{color:var(--emerald);transition:transform .3s ease;flex-shrink:0;}
.faq-item.open .faq-q i{transform:rotate(135deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease;}
.faq-a p{padding-top:16px;color:var(--grey-700);font-size:.9rem;line-height:1.7;}
.faq-cats{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-bottom:40px;}
.faq-cat{
  padding:9px 20px;border-radius:100px;border:1.5px solid var(--grey-200);font-size:.83rem;font-weight:600;
  transition:.3s;
}
.faq-cat.active,.faq-cat:hover{background:var(--emerald);color:var(--white);border-color:var(--emerald);}

/* ---------- Blog ---------- */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.blog-card{border-radius:var(--radius-md);overflow:hidden;background:var(--white);border:1px solid var(--grey-200);box-shadow:var(--shadow-soft);transition:.4s;}
.blog-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-deep);}
.blog-media{height:190px;overflow:hidden;}
.blog-media img{width:100%;height:100%;object-fit:cover;transition:.6s;}
.blog-card:hover .blog-media img{transform:scale(1.08);}
.blog-body{padding:24px;}
.blog-date{font-size:.75rem;color:var(--emerald-dark);font-weight:600;letter-spacing:.05em;text-transform:uppercase;margin-bottom:10px;}
.blog-body h4{font-size:1.02rem;margin-bottom:12px;}
.blog-read{font-size:.83rem;font-weight:600;color:var(--black);display:inline-flex;align-items:center;gap:8px;}

/* ---------- Lead Form ---------- */
.lead-section{position:relative;background:var(--grey-100);}
.lead-wrap{
  display:grid;grid-template-columns:.9fr 1.1fr;background:var(--white);border-radius:var(--radius-lg);
  overflow:hidden;box-shadow:var(--shadow-deep);
}
.lead-side{
  background:linear-gradient(160deg,var(--black),#171712 70%);color:var(--white);padding:56px 44px;
  position:relative;overflow:hidden;
}
.lead-side::after{
  content:'';position:absolute;width:280px;height:280px;border:1px solid rgba(212,175,55,.25);border-radius:50%;
  bottom:-120px;right:-100px;
}
.lead-side h3{font-size:1.7rem;margin-bottom:18px;color:var(--white);}
.lead-side p{color:rgba(255,255,255,.65);margin-bottom:32px;font-size:.92rem;}
.lead-perks{display:flex;flex-direction:column;gap:18px;}
.lead-perks div{display:flex;gap:14px;align-items:flex-start;}
.lead-perks i{color:var(--gold);margin-top:3px;}
.lead-perks span{font-size:.88rem;color:rgba(255,255,255,.8);}
.lead-form{padding:56px 48px;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.form-group{margin-bottom:20px;}
.form-group label{display:block;font-size:.8rem;font-weight:600;margin-bottom:8px;color:var(--grey-700);}
.form-group input,.form-group select,.form-group textarea{
  width:100%;padding:14px 16px;border:1.5px solid var(--grey-200);border-radius:var(--radius-sm);
  font-size:.92rem;transition:.3s;background:var(--grey-100);
}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{
  outline:none;border-color:var(--emerald);background:var(--white);box-shadow:0 0 0 4px rgba(24,165,88,.1);
}
.form-group textarea{resize:vertical;min-height:100px;}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:50px;}
.contact-cards{display:flex;flex-direction:column;gap:18px;}
.contact-card{
  display:flex;gap:18px;align-items:flex-start;padding:26px;border-radius:var(--radius-md);
  background:var(--white);border:1px solid var(--grey-200);transition:.3s;
}
.contact-card:hover{border-color:var(--emerald);box-shadow:var(--shadow-soft);}
.contact-icon{
  width:52px;height:52px;border-radius:14px;background:var(--black);color:var(--gold);
  display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0;
}
.contact-card h4{font-size:.96rem;margin-bottom:6px;}
.contact-card p{font-size:.86rem;color:var(--grey-700);}
.contact-card a{color:var(--emerald-dark);font-weight:600;}
.map-embed{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-soft);height:100%;min-height:420px;border:1px solid var(--grey-200);}
.map-embed iframe{width:100%;height:100%;min-height:420px;border:0;}
.hours-strip{display:flex;justify-content:space-between;margin-top:20px;padding:18px 24px;background:var(--black);border-radius:var(--radius-sm);color:var(--white);font-size:.85rem;}
.hours-strip b{color:var(--gold-light);}

/* ---------- CTA banner ---------- */
.cta-banner{
  background:linear-gradient(120deg,var(--emerald-dark),var(--emerald));color:var(--white);
  border-radius:var(--radius-lg);padding:56px;display:flex;justify-content:space-between;align-items:center;
  gap:30px;flex-wrap:wrap;position:relative;overflow:hidden;
}
.cta-banner::after{content:'';position:absolute;width:300px;height:300px;background:rgba(255,255,255,.06);border-radius:50%;top:-140px;right:-60px;}
.cta-banner h3{color:var(--white);font-size:1.7rem;margin-bottom:10px;}
.cta-banner p{color:rgba(255,255,255,.85);}

/* ---------- Footer ---------- */
footer{background:#080807;color:rgba(255,255,255,.75);padding:80px 0 0;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:50px;padding-bottom:60px;border-bottom:1px solid rgba(255,255,255,.08);}
.footer-brand .brand{color:var(--white);margin-bottom:18px;}
.footer-brand p{font-size:.87rem;color:rgba(255,255,255,.55);margin-bottom:22px;max-width:320px;}
.social-icons{display:flex;gap:10px;}
.social-icons a{
  width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.18);
  display:flex;align-items:center;justify-content:center;transition:.3s;
}
.social-icons a:hover{background:var(--gold);border-color:var(--gold);color:var(--black);}
.footer-col h4{color:var(--white);font-size:.95rem;margin-bottom:22px;font-family:var(--font-head);}
.footer-col ul li{margin-bottom:12px;}
.footer-col ul li a{font-size:.87rem;color:rgba(255,255,255,.55);transition:.25s;}
.footer-col ul li a:hover{color:var(--gold-light);padding-left:4px;}
.footer-newsletter p{font-size:.85rem;color:rgba(255,255,255,.55);margin-bottom:16px;}
.newsletter-form{display:flex;gap:0;}
.newsletter-form input{
  flex:1;padding:13px 16px;border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.04);
  color:var(--white);border-radius:8px 0 0 8px;font-size:.85rem;
}
.newsletter-form input:focus{outline:none;border-color:var(--gold);}
.newsletter-form button{
  background:var(--gold);color:var(--black);padding:0 20px;border-radius:0 8px 8px 0;font-weight:700;
}
.footer-bottom{
  display:flex;justify-content:space-between;align-items:center;padding:26px 0;font-size:.8rem;
  color:rgba(255,255,255,.4);flex-wrap:wrap;gap:10px;
}
.footer-bottom a{color:rgba(255,255,255,.4);}
.footer-bottom a:hover{color:var(--gold-light);}

/* ---------- Floating buttons ---------- */
.float-btns{position:fixed;right:24px;bottom:26px;z-index:900;display:flex;flex-direction:column;gap:14px;align-items:center;}
.fab{
  width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;box-shadow:var(--shadow-deep);transition:.3s ease;
}
.fab-whatsapp{background:#25D366;color:var(--white);animation:pulse 2.4s infinite;}
.fab-whatsapp:hover{transform:scale(1.08);}
.fab-top{
  width:44px;height:44px;background:var(--black);color:var(--gold);font-size:1.1rem;
  opacity:0;pointer-events:none;transform:translateY(10px);
}
.fab-top.show{opacity:1;pointer-events:auto;transform:translateY(0);}
@keyframes pulse{
  0%{box-shadow:0 0 0 0 rgba(37,211,102,.5),var(--shadow-deep);}
  70%{box-shadow:0 0 0 14px rgba(37,211,102,0),var(--shadow-deep);}
  100%{box-shadow:0 0 0 0 rgba(37,211,102,0),var(--shadow-deep);}
}

/* ---------- AOS fallback (reduced motion) ---------- */
@media (prefers-reduced-motion: reduce){
  *{animation:none!important;transition:none!important;}
}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width:1100px){
  .services-grid{grid-template-columns:repeat(2,1fr);}
  .why-grid{grid-template-columns:repeat(2,1fr);}
  .partners-grid{grid-template-columns:repeat(4,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .process-row{grid-template-columns:repeat(2,1fr);row-gap:50px;}
  .process-line{display:none;}
}
@media (max-width:900px){
  .nav-links,.header-call{display:none;}
  .hamburger{display:flex;}
  .about-grid,.invest-grid,.contact-grid,.lead-wrap,.calc-wrap{grid-template-columns:1fr;}
  .about-badge{position:static;margin-top:-40px;margin-left:20px;width:fit-content;}
  .sip-cards{grid-template-columns:1fr;}
  .stats-grid{grid-template-columns:1fr 1fr;row-gap:36px;}
  .blog-grid{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .map-embed{min-height:320px;}
}
@media (max-width:640px){
  section{padding:64px 0;}
  .services-grid{grid-template-columns:1fr;}
  .why-grid{grid-template-columns:1fr;}
  .partners-grid{grid-template-columns:repeat(3,1fr);}
  .hero-actions{flex-direction:column;}
  .hero-actions .btn{width:100%;}
  .hero-stats{gap:24px;}
  .cta-banner{flex-direction:column;text-align:center;padding:40px 28px;}
  .lead-side,.lead-form{padding:36px 26px;}
  .footer-grid{grid-template-columns:1fr;}
  .footer-bottom{flex-direction:column;text-align:center;}
}

/* Mobile nav drawer */
.mobile-nav{
  position:fixed;top:0;right:-100%;width:82%;max-width:340px;height:100vh;background:var(--black);
  z-index:1100;transition:right .4s cubic-bezier(.2,.8,.2,1);padding:100px 32px 40px;overflow-y:auto;
}
.mobile-nav.open{right:0;}
.mobile-nav a{display:block;color:var(--white);font-size:1.05rem;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.08);}
.mobile-nav a:hover{color:var(--gold-light);}
.mobile-nav-close{position:absolute;top:28px;right:28px;color:var(--white);font-size:1.6rem;}
.nav-scrim{position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:1050;opacity:0;pointer-events:none;transition:.3s;}
.nav-scrim.show{opacity:1;pointer-events:auto;}