/* =============================================
   ARISSE WEALTH ADVISORY — Design System
   Color theme: Deep Navy + Gold + Off-white
   Font: Playfair Display + DM Sans
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=DM+Sans:wght@300;400;500;600&display=swap');

/* =============================================
   CSS VARIABLES
   ============================================= */
:root {
  --navy:       #0B1F3A;
  --navy-mid:   #122949;
  --navy-light: #1A3A5C;
  --gold:       #C9A84C;
  --gold-light: #E0C26A;
  --gold-pale:  #F5EDD8;
  --white:      #FFFFFF;
  --off-white:  #F8F6F1;
  --text-dark:  #0B1F3A;
  --text-mid:   #4A5A6A;
  --text-light: #8A9BAA;
  --border:     rgba(201,168,76,0.2);
  --shadow-sm:  0 2px 12px rgba(11,31,58,0.08);
  --shadow-md:  0 8px 32px rgba(11,31,58,0.12);
  --shadow-lg:  0 20px 60px rgba(11,31,58,0.18);
  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', sans-serif;
}

/* =============================================
   RESET & BASE
   ============================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* =============================================
   TYPOGRAPHY
   ============================================= */
h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.2; }

h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.6rem); font-weight: 600; }
h3 { font-size: clamp(1.1rem, 2vw, 1.4rem); font-weight: 600; }
h4 { font-size: 1rem; font-weight: 600; }

p { font-size: 1rem; color: var(--text-mid); line-height: 1.75; }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}

.section-label::before {
  content: '';
  display: block;
  width: 24px;
  height: 2px;
  background: var(--gold);
  flex-shrink: 0;
}

/* =============================================
   LAYOUT UTILITIES
   ============================================= */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

.container--wide { max-width: 1320px; }
.container--narrow { max-width: 820px; }

.section { padding: 80px 0; }
.section--lg { padding: 100px 0; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.bg-navy { background: var(--navy); color: var(--white); }
.bg-off-white { background: var(--off-white); }

/* =============================================
   BUTTONS
   ============================================= */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
}

.btn--primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn--primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.3);
}

.btn--outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn--outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}

.btn--outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn--outline-dark:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.btn--whatsapp {
  background: #25D366;
  color: white;
  border-color: #25D366;
}
.btn--whatsapp:hover {
  background: #1ebe59;
  border-color: #1ebe59;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(37,211,102,0.3);
}

.btn--sm { padding: 9px 20px; font-size: 0.82rem; }

/* =============================================
   NAVIGATION
   ============================================= */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: transparent;
  transition: background var(--transition), box-shadow var(--transition);
}

.navbar.scrolled {
  background: rgba(11,31,58,0.97);
  backdrop-filter: blur(12px);
  box-shadow: 0 2px 20px rgba(0,0,0,0.2);
}

.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  padding: 0 24px;
  max-width: 1200px;
  margin: 0 auto;
}

.navbar__logo {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--white);
}

.navbar__logo-icon {
  width: 40px;
  height: 40px;
  background: var(--gold);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  flex-shrink: 0;
}

.navbar__logo-text strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  line-height: 1;
}

.navbar__logo-text span {
  font-size: 0.68rem;
  letter-spacing: 0.05em;
  opacity: 0.75;
  font-weight: 400;
}

.navbar__links {
  display: flex;
  align-items: center;
  gap: 4px;
}

.navbar__links a {
  color: rgba(255,255,255,0.85);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 6px 14px;
  border-radius: 6px;
  transition: var(--transition);
}

.navbar__links a:hover,
.navbar__links a.active {
  color: var(--gold);
}

.navbar__cta {
  display: flex;
  align-items: center;
  gap: 12px;
}

.navbar__phone {
  color: rgba(255,255,255,0.8);
  font-size: 0.85rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

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

/* Hamburger */
.navbar__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  background: none;
  border: none;
}

.navbar__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

.navbar__hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.navbar__hamburger.open span:nth-child(2) { opacity: 0; }
.navbar__hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Menu */
.navbar__mobile {
  display: none;
  flex-direction: column;
  background: var(--navy);
  padding: 16px 24px 24px;
  gap: 4px;
}

.navbar__mobile a {
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  font-weight: 500;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  display: block;
}

.navbar__mobile a:last-child { border-bottom: none; }
.navbar__mobile a:hover { color: var(--gold); }

.navbar__mobile-cta {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 12px;
}

/* =============================================
   HERO
   ============================================= */
.hero {
  min-height: 100vh;
  background: var(--navy);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero__bg-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 70% 50%, rgba(201,168,76,0.08) 0%, transparent 60%),
    radial-gradient(circle at 10% 80%, rgba(26,58,92,0.6) 0%, transparent 50%);
  pointer-events: none;
}

.hero__grid-lines {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero__inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  max-width: 1160px;
  margin: 0 auto;
  padding: 120px 24px 80px;
  width: 100%;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.hero__badge::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.3); }
}

.hero__title {
  color: var(--white);
  margin-bottom: 1.25rem;
}

.hero__title .highlight {
  color: var(--gold);
  font-style: italic;
}

.hero__subtitle {
  color: rgba(255,255,255,0.7);
  font-size: 1.05rem;
  margin-bottom: 2.25rem;
  max-width: 480px;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 3rem;
}

.hero__stats {
  display: flex;
  gap: 32px;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero__stat-value {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}

.hero__stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  margin-top: 4px;
  font-weight: 500;
}

.hero__visual {
  position: relative;
}

.hero__image-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/5;
  max-height: 560px;
}

.hero__image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.hero__image-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(11,31,58,0.3), transparent);
}

.hero__floating-card {
  position: absolute;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(10px);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
}

.hero__floating-card--tl {
  top: 24px;
  left: -24px;
  min-width: 160px;
}

.hero__floating-card--br {
  bottom: 24px;
  right: -24px;
  min-width: 180px;
}

.hero__card-label {
  font-size: 0.72rem;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
  margin-bottom: 4px;
}

.hero__card-value {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--navy);
}

.hero__card-sub {
  font-size: 0.72rem;
  color: var(--gold);
  font-weight: 600;
  margin-top: 2px;
}

.hero__ticker {
  background: var(--navy-mid);
  border-top: 1px solid rgba(201,168,76,0.15);
  padding: 12px 0;
  overflow: hidden;
  position: relative;
}

.hero__ticker-inner {
  display: flex;
  gap: 48px;
  animation: ticker 20s linear infinite;
  white-space: nowrap;
  width: max-content;
}

.hero__ticker-item {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 8px;
}

.hero__ticker-item strong { color: var(--gold); }

@keyframes ticker {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* =============================================
   TRUST BAR
   ============================================= */
.trust-bar {
  background: var(--off-white);
  padding: 28px 0;
  border-bottom: 1px solid rgba(11,31,58,0.08);
}

.trust-bar__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 8px 28px;
  border-right: 1px solid rgba(11,31,58,0.1);
}

.trust-bar__item:last-child { border-right: none; }

.trust-bar__icon {
  width: 40px;
  height: 40px;
  background: var(--navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.trust-bar__icon svg { color: var(--gold); }

.trust-bar__value {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}

.trust-bar__label {
  font-size: 0.75rem;
  color: var(--text-mid);
  font-weight: 500;
  margin-top: 2px;
}

/* =============================================
   SERVICES SECTION
   ============================================= */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 24px;
}

.service-card {
  background: var(--white);
  border: 1px solid rgba(11,31,58,0.08);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: left;
}

.service-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: transparent;
}

.service-card:hover::before { transform: scaleX(1); }

.service-card__icon {
  width: 52px;
  height: 52px;
  background: var(--gold-pale);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  transition: var(--transition);
}

.service-card:hover .service-card__icon {
  background: var(--navy);
}

.service-card:hover .service-card__icon svg { color: var(--gold); }

.service-card__icon svg { color: var(--navy); transition: var(--transition); }

.service-card h3 {
  margin-bottom: 10px;
  font-size: 1.1rem;
}

.service-card p {
  font-size: 0.88rem;
  line-height: 1.6;
  margin-bottom: 16px;
}

.service-card__features {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 20px;
}

.service-card__feature {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--text-mid);
  font-weight: 500;
}

.service-card__feature::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

/* =============================================
   CTA BAND
   ============================================= */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(201,168,76,0.1), transparent 50%),
    radial-gradient(circle at 80% 50%, rgba(201,168,76,0.06), transparent 50%);
}

.cta-band__inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  padding: 60px 24px;
  max-width: 1160px;
  margin: 0 auto;
}

.cta-band__content h2 { color: var(--white); margin-bottom: 12px; }
.cta-band__content p { color: rgba(255,255,255,0.7); max-width: 480px; }
.cta-band__actions { display: flex; gap: 14px; flex-wrap: wrap; flex-shrink: 0; }

/* =============================================
   TESTIMONIALS
   ============================================= */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid rgba(11,31,58,0.08);
  border-radius: var(--radius-md);
  padding: 32px;
  transition: var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.testimonial-card__stars {
  color: var(--gold);
  font-size: 1.1rem;
  letter-spacing: 2px;
  margin-bottom: 16px;
}

.testimonial-card__text {
  font-style: italic;
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--text-dark);
  line-height: 1.7;
  margin-bottom: 24px;
}

.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-card__avatar {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}

.testimonial-card__name {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-dark);
}

.testimonial-card__role {
  font-size: 0.78rem;
  color: var(--text-light);
  margin-top: 2px;
}

/* =============================================
   ABOUT PAGE
   ============================================= */
.about-hero {
  background: var(--navy);
  padding: 140px 24px 80px;
}

.about-hero__inner {
  max-width: 700px;
  margin: 0 auto;
  text-align: center;
}

.about-hero h1 { color: var(--white); margin-bottom: 16px; }
.about-hero p { color: rgba(255,255,255,0.7); font-size: 1.1rem; }

.page-hero {
  background: var(--navy);
  padding: 140px 24px 80px;
  text-align: center;
}

.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.7); font-size: 1.05rem; max-width: 600px; margin: 0 auto; }

.profile-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 64px;
  align-items: start;
}

.profile-image-wrap {
  position: relative;
}

.profile-image-box {
  background: var(--navy);
  border-radius: var(--radius-lg);
  aspect-ratio: 3/4;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.profile-placeholder {
  font-family: var(--font-display);
  font-size: 8rem;
  font-weight: 700;
  color: rgba(201,168,76,0.2);
  line-height: 1;
}

.profile-badge {
  position: absolute;
  bottom: -16px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--navy);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 8px 20px;
  border-radius: 100px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  white-space: nowrap;
}

.certs-row {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 48px;
}

.cert-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold-pale);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--navy);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
}

.cert-tag::before {
  content: '✓';
  color: var(--gold);
  font-weight: 700;
}

.profile-content h2 { margin-bottom: 16px; }
.profile-content p { margin-bottom: 16px; }

.mission-vision {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 32px;
}

.mv-card {
  background: var(--off-white);
  border-radius: var(--radius-md);
  padding: 28px;
  border-left: 4px solid var(--gold);
}

.mv-card h4 {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1rem;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.mv-card p { font-size: 0.88rem; }

/* Timeline */
.timeline {
  position: relative;
  max-width: 700px;
  margin: 0 auto;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 20px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(180deg, var(--gold), transparent);
}

.timeline-item {
  display: flex;
  gap: 32px;
  padding-bottom: 40px;
  position: relative;
}

.timeline-item:last-child { padding-bottom: 0; }

.timeline-dot {
  width: 40px;
  height: 40px;
  background: var(--navy);
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}

.timeline-year {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.02em;
}

.timeline-content { padding-top: 6px; }

.timeline-content h4 {
  color: var(--navy);
  font-size: 1rem;
  font-family: var(--font-display);
  margin-bottom: 6px;
}

.timeline-content p { font-size: 0.88rem; }

/* FAQ Accordion */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1px solid rgba(11,31,58,0.1);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  text-align: left;
  cursor: pointer;
  background: none;
  border: none;
  transition: var(--transition);
  gap: 16px;
}

.faq-question:hover { background: var(--off-white); }

.faq-question .faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--gold-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
  color: var(--navy);
  font-size: 1rem;
  font-weight: 700;
}

.faq-item.open .faq-icon {
  background: var(--gold);
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-answer-inner {
  padding: 0 24px 20px;
  color: var(--text-mid);
  font-size: 0.9rem;
  line-height: 1.7;
  border-top: 1px solid rgba(11,31,58,0.06);
  padding-top: 16px;
}

/* =============================================
   SERVICES PAGE
   ============================================= */
.services-page-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 28px;
}

.service-page-card {
  background: var(--white);
  border: 1px solid rgba(11,31,58,0.08);
  border-radius: var(--radius-md);
  padding: 36px 32px;
  transition: var(--transition);
  position: relative;
}

.service-page-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: var(--gold);
}

.service-page-card__num {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 700;
  color: rgba(11,31,58,0.06);
  line-height: 1;
  margin-bottom: 12px;
}

.service-page-card__icon {
  width: 56px;
  height: 56px;
  background: var(--navy);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.service-page-card__icon svg { color: var(--gold); }

.service-page-card h3 { margin-bottom: 12px; }
.service-page-card p { font-size: 0.9rem; margin-bottom: 20px; }

.service-page-card__list {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 24px;
}

.service-page-card__list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
  color: var(--text-mid);
  font-weight: 500;
}

.service-page-card__list li::before {
  content: '';
  width: 18px;
  height: 18px;
  background: var(--gold-pale);
  border-radius: 50%;
  flex-shrink: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 6l3 3 5-5' stroke='%23C9A84C' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
}

/* =============================================
   SIP CALCULATOR
   ============================================= */
.calc-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.calc-form {
  background: var(--white);
  border: 1px solid rgba(11,31,58,0.1);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}

.calc-form h3 {
  margin-bottom: 28px;
  color: var(--navy);
}

.form-group {
  margin-bottom: 24px;
}

.form-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 10px;
}

.form-group label span {
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--gold);
}

.range-input {
  width: 100%;
  height: 4px;
  background: var(--off-white);
  border-radius: 100px;
  outline: none;
  cursor: pointer;
  -webkit-appearance: none;
  accent-color: var(--gold);
}

.range-input::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(201,168,76,0.4);
}

.calc-result {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 40px;
  color: var(--white);
}

.calc-result h3 { color: var(--white); margin-bottom: 28px; }

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.result-row:last-of-type { border-bottom: none; }

.result-row__label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  font-weight: 500;
}

.result-row__value {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--gold);
}

.result-row__value.total {
  font-size: 1.9rem;
  color: var(--gold-light);
}

.result-disclaimer {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.35);
  margin-top: 24px;
  line-height: 1.6;
}

/* =============================================
   CONTACT PAGE
   ============================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 48px;
  align-items: start;
}

.contact-form-wrap {
  background: var(--white);
  border: 1px solid rgba(11,31,58,0.1);
  border-radius: var(--radius-lg);
  padding: 44px;
  box-shadow: var(--shadow-sm);
}

.contact-form-wrap h2 { margin-bottom: 8px; }
.contact-form-wrap .sub { color: var(--text-mid); font-size: 0.9rem; margin-bottom: 32px; }

.input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.field-group {
  margin-bottom: 20px;
}

.field-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 7px;
  letter-spacing: 0.02em;
}

.field-group input,
.field-group select,
.field-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid rgba(11,31,58,0.15);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--text-dark);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}

.field-group input:focus,
.field-group select:focus,
.field-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}

.field-group textarea { resize: vertical; min-height: 100px; }

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-info-card {
  background: var(--white);
  border: 1px solid rgba(11,31,58,0.08);
  border-radius: var(--radius-md);
  padding: 24px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
  transition: var(--transition);
}

.contact-info-card:hover {
  box-shadow: var(--shadow-sm);
  border-color: rgba(201,168,76,0.3);
}

.contact-info-card__icon {
  width: 44px;
  height: 44px;
  background: var(--navy);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-info-card__icon svg { color: var(--gold); }

.contact-info-card h4 {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-light);
  font-weight: 600;
  margin-bottom: 6px;
}

.contact-info-card a,
.contact-info-card p {
  font-size: 0.92rem;
  color: var(--text-dark);
  font-weight: 500;
  line-height: 1.5;
}

.contact-info-card a:hover { color: var(--gold); }

.contact-faq { margin-top: 32px; }

.map-placeholder {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius-md);
  padding: 40px 24px;
  text-align: center;
  color: var(--white);
  margin-top: 20px;
}

/* =============================================
   FOOTER
   ============================================= */
.footer {
  background: var(--navy);
  padding: 64px 0 0;
  color: rgba(255,255,255,0.7);
}

.footer__inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
}

.footer__brand p {
  font-size: 0.88rem;
  line-height: 1.75;
  margin: 16px 0 24px;
  color: rgba(255,255,255,0.55);
}

.footer__social {
  display: flex;
  gap: 10px;
}

.footer__social a {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
  font-weight: 700;
  transition: var(--transition);
}

.footer__social a:hover {
  background: var(--gold);
  color: var(--navy);
}

.footer__col h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.82rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 20px;
}

.footer__col ul { display: flex; flex-direction: column; gap: 10px; }

.footer__col ul li a {
  color: rgba(255,255,255,0.55);
  font-size: 0.87rem;
  transition: var(--transition);
}

.footer__col ul li a:hover { color: var(--gold); }

.footer__contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.87rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 12px;
}

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

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.footer__copy {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}

.footer__disclaimer {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.25);
  max-width: 600px;
  line-height: 1.5;
  text-align: right;
}

/* =============================================
   FLOATING WHATSAPP
   ============================================= */
.whatsapp-fab {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  width: 56px;
  height: 56px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(37,211,102,0.45);
  transition: var(--transition);
  text-decoration: none;
}

.whatsapp-fab:hover {
  transform: scale(1.1);
  box-shadow: 0 8px 30px rgba(37,211,102,0.55);
}

.whatsapp-fab svg { color: white; }

/* =============================================
   PAGE TRANSITIONS & ANIMATIONS
   ============================================= */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }
.fade-in-delay-4 { transition-delay: 0.4s; }

/* =============================================
   BREADCRUMB
   ============================================= */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  margin-bottom: 20px;
}

.breadcrumb a { color: rgba(255,255,255,0.6); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb span { color: var(--gold); }

/* =============================================
   RESPONSIVE — TABLET (≤ 900px)
   ============================================= */
@media (max-width: 900px) {
  .hero__inner {
    grid-template-columns: 1fr;
    text-align: center;
    padding: 110px 24px 60px;
    gap: 40px;
  }

  .hero__subtitle { margin: 0 auto 2rem; }
  .hero__actions { justify-content: center; }
  .hero__stats { justify-content: center; flex-wrap: wrap; gap: 20px; }

  .hero__visual { display: none; }

  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .profile-grid { grid-template-columns: 1fr; }
  .mission-vision { grid-template-columns: 1fr; }
  .cta-band__inner { flex-direction: column; text-align: center; }
  .cta-band__actions { justify-content: center; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .calc-section { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .input-row { grid-template-columns: 1fr; }

  .footer__inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer__bottom { flex-direction: column; text-align: center; }
  .footer__disclaimer { text-align: center; }

  .trust-bar__item {
    padding: 8px 16px;
  }

  .navbar__links, .navbar__cta { display: none; }
  .navbar__hamburger { display: flex; }

  .navbar__mobile.open { display: flex; }
}

/* =============================================
   RESPONSIVE — MOBILE (≤ 600px)
   ============================================= */
@media (max-width: 600px) {
  .section { padding: 60px 0; }
  .section--lg { padding: 72px 0; }
  .container { padding: 0 18px; }

  .trust-bar__inner {
    justify-content: flex-start;
    overflow-x: auto;
    flex-wrap: nowrap;
    padding: 0 18px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }
  .trust-bar__inner::-webkit-scrollbar { display: none; }
  .trust-bar__item { flex-shrink: 0; }

  .footer__inner { grid-template-columns: 1fr; gap: 28px; }

  .services-grid, .services-page-grid { grid-template-columns: 1fr; }

  .hero__stats { flex-direction: column; gap: 16px; }

  .cta-band__inner { padding: 48px 18px; }

  .contact-form-wrap { padding: 28px 20px; }
  .calc-form, .calc-result { padding: 28px 20px; }

  .whatsapp-fab { bottom: 20px; right: 20px; }
}