/* ============================================================
   SHYAM CHETWANI — Personal Finance Coach
   style.css
   ============================================================ */

/* ---------- Tokens ---------- */
:root {
  /* ── New palette: White + Deep Navy + Saffron ── */
  --navy:      #0A2342;
  --navy-d:    #061628;
  --navy-m:    #103060;
  --navy-l:    #1a4080;
  --gold:      #FF6B35;   /* saffron-orange accent */
  --gold-l:    #FF8C5A;
  --gold-d:    #E04D18;
  --gold-pale: #FFF1EB;
  --white:     #FFFFFF;
  --off-white: #F0F4FF;   /* cool off-white tint */
  --grey:      #E4E9F2;
  --grey-d:    #C2CCDB;
  --text:      #0D1B35;
  --text-m:    #4A5673;
  --text-l:    #7A86A0;

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

  --radius:    10px;
  --radius-lg: 18px;
  --radius-xl: 28px;
  --radius-pill: 100px;

  --shadow-sm:   0 2px 8px rgba(10,35,66,.07);
  --shadow-md:   0 8px 28px rgba(10,35,66,.12);
  --shadow-lg:   0 20px 56px rgba(10,35,66,.16);
  --shadow-gold: 0 8px 28px rgba(255,107,53,.28);

  --transition: .32s cubic-bezier(.4,0,.2,1);
  --max-w: 1160px;
}

/* ---------- Reset ---------- */
*, *::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); background: var(--white); overflow-x: hidden; line-height: 1.65; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }

/* ---------- Utility ---------- */
.container { width: min(var(--max-w), 92%); margin-inline: auto; }
.section-pad { padding-block: 96px; }
.section-pad-sm { padding-block: 72px; }
.bg-navy { background: var(--navy); }
.bg-off { background: var(--off-white); }
.bg-white { background: var(--white); }
.text-center { text-align: center; }

/* ---------- Typography ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-head); font-size: .72rem; font-weight: 600;
  letter-spacing: .22em; text-transform: uppercase; color: var(--gold);
  margin-bottom: 14px;
}
.eyebrow::before, .eyebrow::after {
  content: ''; display: block; height: 1.5px; width: 24px;
  background: var(--gold); border-radius: 2px;
}
h1,h2,h3,h4 { font-family: var(--font-head); line-height: 1.18; }
.section-title {
  font-size: clamp(1.9rem, 3.8vw, 2.85rem);
  font-weight: 700; color: var(--navy);
  margin-bottom: 16px;
}
.section-title.light { color: var(--white); }
.section-sub {
  font-size: 1.05rem; color: var(--text-m);
  max-width: 600px; line-height: 1.8;
}
.section-sub.light { color: rgba(255,255,255,.65); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-head); font-size: .9rem; font-weight: 600;
  padding: 14px 30px; border-radius: var(--radius-pill);
  letter-spacing: .02em; transition: all var(--transition);
}
.btn-gold {
  background: var(--gold); color: var(--navy-d);
  box-shadow: var(--shadow-gold);
}
.btn-gold:hover { background: var(--gold-l); transform: translateY(-2px); box-shadow: 0 12px 36px rgba(212,160,23,.38); }
.btn-outline-white {
  background: transparent; color: var(--white);
  border: 2px solid rgba(255,255,255,.5);
}
.btn-outline-white:hover { background: rgba(255,255,255,.1); border-color: white; }
.btn-navy {
  background: var(--navy); color: var(--white);
  box-shadow: var(--shadow-md);
}
.btn-navy:hover { background: var(--navy-m); transform: translateY(-2px); }
.btn-outline-navy {
  background: transparent; color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: white; }

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .65s ease, transform .65s ease; }
.reveal.in { opacity: 1; transform: none; }
.reveal-l { opacity: 0; transform: translateX(-30px); transition: opacity .65s ease, transform .65s ease; }
.reveal-r { opacity: 0; transform: translateX(30px); transition: opacity .65s ease, transform .65s ease; }
.reveal-l.in, .reveal-r.in { opacity: 1; transform: none; }

/* ============================================================
   NAVBAR
   ============================================================ */
#navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 18px 0;
  transition: background var(--transition), box-shadow var(--transition), padding var(--transition);
}
#navbar.scrolled {
  background: rgba(10,31,68,.96);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 2px 24px rgba(0,0,0,.22);
  padding: 11px 0;
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; }
.nav-logo { display: flex; flex-direction: column; }
.nav-logo strong { font-family: var(--font-head); font-size: 1.1rem; color: var(--white); letter-spacing: .01em; }
.nav-logo span { font-size: .65rem; color: var(--gold); letter-spacing: .16em; text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 30px; }
.nav-links a {
  color: rgba(255,255,255,.8); font-size: .84rem; font-weight: 500;
  letter-spacing: .04em; transition: color var(--transition);
  position: relative;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -4px; left: 0;
  width: 0; height: 2px; background: var(--gold); border-radius: 2px;
  transition: width var(--transition);
}
.nav-links a:hover { color: var(--gold-l); }
.nav-links a:hover::after { width: 100%; }
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 4px; }
.hamburger span { display: block; width: 24px; height: 2px; background: white; border-radius: 2px; transition: transform var(--transition), opacity var(--transition); }
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.mobile-nav {
  display: none; position: fixed; inset: 0; z-index: 999;
  background: rgba(10,31,68,.98); backdrop-filter: blur(10px);
  flex-direction: column; align-items: center; justify-content: center; gap: 36px;
}
.mobile-nav.open { display: flex; }
.mobile-nav a { color: white; font-size: 1.4rem; font-family: var(--font-head); font-weight: 600; transition: color var(--transition); }
.mobile-nav a:hover { color: var(--gold-l); }

/* ============================================================
   HERO — Full-width Cinematic
   ============================================================ */
#hero {
  min-height: 100dvh;
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  background: var(--navy-d);
}

/* ── Background layers ── */
/* 1. Deep navy base with saffron warmth */
.hero-bg {
  position: absolute; inset: 0; z-index: 0;
  background:
    linear-gradient(160deg, #061628 0%, #0A2342 40%, #14183A 75%, #0f0a1a 100%);
}
/* 2. Saffron radial glow — bottom-left warmth */
.hero-bg::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 55% at 50% 100%, rgba(255,107,53,.22) 0%, transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 60%,  rgba(255,107,53,.1)  0%, transparent 55%),
    radial-gradient(ellipse 60% 50% at 90% 20%,  rgba(16,48,96,.8)    0%, transparent 55%);
}
/* 3. Subtle dot-grid texture */
.hero-bg::after {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 36px 36px;
}

/* ── Decorative SVG lines ── */
.hero-lines {
  position: absolute; inset: 0; z-index: 1; pointer-events: none; overflow: hidden;
}
.hero-lines svg { width: 100%; height: 100%; }

/* ── Large saffron accent circle ── */
.hero-circle {
  position: absolute; z-index: 1;
  width: min(700px, 90vw); height: min(700px, 90vw);
  border-radius: 50%;
  border: 1px solid rgba(255,107,53,.12);
  bottom: -200px; right: -180px;
  pointer-events: none;
}
.hero-circle::before {
  content: ''; position: absolute; inset: 60px; border-radius: 50%;
  border: 1px solid rgba(255,107,53,.08);
}
.hero-circle::after {
  content: ''; position: absolute; inset: 130px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255,107,53,.07) 0%, transparent 70%);
}

/* ── Content ── */
.hero-content {
  position: relative; z-index: 2;
  display: flex; flex-direction: column;
  align-items: center; text-align: center;
  padding: 160px 24px 120px;
  max-width: 900px;
}

/* Name chip */
.hero-name-chip {
  display: inline-flex; align-items: center; gap: 12px;
  margin-bottom: 32px;
}
.hero-name-chip .chip-line {
  height: 1px; width: 48px;
  background: linear-gradient(90deg, transparent, rgba(255,107,53,.6));
}
.hero-name-chip .chip-line.right {
  background: linear-gradient(90deg, rgba(255,107,53,.6), transparent);
}
.hero-name-chip span {
  font-family: var(--font-head); font-size: .8rem; font-weight: 700;
  letter-spacing: .28em; text-transform: uppercase;
  color: var(--gold-l);
}

/* Main headline */
.hero-headline {
  font-family: var(--font-head);
  font-size: clamp(2.2rem, 5.5vw, 5rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.08;
  margin-bottom: 10px;
  letter-spacing: -.02em;
}
.hero-headline .word-accent {
  position: relative; display: inline-block;
}
.hero-headline .word-accent em {
  font-style: normal;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-l) 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
/* Underline swoosh */
.hero-headline .word-accent::after {
  content: '';
  position: absolute; bottom: -4px; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--gold-d), var(--gold-l), transparent);
  border-radius: 4px;
  transform: scaleX(.85); transform-origin: left;
}

/* Tagline */
.hero-tagline {
  font-family: var(--font-head);
  font-size: clamp(1rem, 2vw, 1.25rem);
  color: rgba(255,255,255,.45);
  letter-spacing: .12em; text-transform: uppercase;
  margin-bottom: 24px; font-weight: 400;
}

/* Divider */
.hero-divider {
  display: flex; align-items: center; gap: 16px;
  margin-bottom: 24px;
}
.hero-divider span { height: 1px; width: 64px; background: rgba(255,255,255,.12); }
.hero-divider .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }

/* Sub-headline */
.hero-sub {
  font-size: clamp(.95rem, 1.6vw, 1.1rem);
  color: rgba(255,255,255,.58);
  max-width: 620px; line-height: 1.85;
  margin-bottom: 44px;
}

/* CTAs */
.hero-ctas {
  display: flex; flex-wrap: wrap; gap: 14px;
  justify-content: center; margin-bottom: 64px;
}
.btn-hero-primary {
  background: var(--gold); color: var(--white);
  box-shadow: 0 8px 32px rgba(255,107,53,.4);
  font-size: 1rem; padding: 16px 36px;
}
.btn-hero-primary:hover {
  background: var(--gold-l);
  transform: translateY(-3px);
  box-shadow: 0 14px 44px rgba(255,107,53,.5);
}
.btn-hero-secondary {
  background: rgba(255,255,255,.07);
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.18);
  font-size: 1rem; padding: 15px 34px;
  backdrop-filter: blur(8px);
}
.btn-hero-secondary:hover {
  background: rgba(255,255,255,.13);
  border-color: rgba(255,255,255,.35);
  transform: translateY(-2px);
}

/* Stat pills row */
.hero-stats-row {
  display: flex; flex-wrap: wrap; gap: 12px;
  justify-content: center; margin-bottom: 40px;
}
.hero-stat-pill {
  display: flex; align-items: center; gap: 10px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-pill);
  padding: 10px 20px;
  backdrop-filter: blur(10px);
}
.hero-stat-pill .pill-icon {
  width: 28px; height: 28px; border-radius: 50%;
  background: rgba(255,107,53,.18);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.hero-stat-pill .pill-icon svg { width: 13px; height: 13px; stroke: var(--gold-l); fill: none; }
.hero-stat-pill .pill-num {
  font-family: var(--font-head); font-size: 1rem; font-weight: 700;
  color: var(--white); line-height: 1;
}
.hero-stat-pill .pill-label {
  font-size: .68rem; color: rgba(255,255,255,.45);
  text-transform: uppercase; letter-spacing: .08em; line-height: 1;
}

/* Credential badges */
.hero-cred-badges {
  display: flex; flex-wrap: wrap; gap: 8px;
  justify-content: center;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.08);
}
.hero-cred-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-pill);
  padding: 6px 14px;
  font-size: .72rem; font-weight: 600;
  color: rgba(255,255,255,.55);
  letter-spacing: .06em;
}
.hero-cred-badge svg { width: 12px; height: 12px; stroke: var(--gold); fill: none; flex-shrink: 0; }

/* Scroll hint */
.hero-scroll {
  position: absolute; bottom: 28px; left: 50%; transform: translateX(-50%);
  z-index: 3; display: flex; flex-direction: column; align-items: center; gap: 8px;
  color: rgba(255,255,255,.25); font-size: .62rem; letter-spacing: .16em; text-transform: uppercase;
  animation: bob 2.8s ease-in-out infinite;
}
.scroll-mouse {
  width: 20px; height: 33px;
  border: 1.5px solid rgba(255,255,255,.18); border-radius: 10px; position: relative;
}
.scroll-mouse::after {
  content: ''; position: absolute; top: 5px; left: 50%; transform: translateX(-50%);
  width: 3px; height: 7px; background: var(--gold); border-radius: 3px;
  animation: scroll-dot 2.2s ease-in-out infinite;
}
@keyframes scroll-dot { 0%,100%{opacity:1;transform:translateX(-50%) translateY(0)} 65%{opacity:0;transform:translateX(-50%) translateY(11px)} }
@keyframes bob { 0%,100%{transform:translateX(-50%) translateY(0)} 50%{transform:translateX(-50%) translateY(7px)} }

/* Responsive */
@media (max-width: 900px) {
  .hero-content { padding: 130px 24px 100px; }
}
@media (max-width: 600px) {
  .hero-headline { font-size: 2.2rem; }
  .hero-stats-row { gap: 8px; }
  .hero-stat-pill { padding: 8px 14px; }
  .hero-content { padding: 110px 20px 90px; }
}

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-bar {
  background: var(--navy);
  padding: 0;
  border-bottom: 3px solid var(--gold);
}
.stats-inner {
  display: grid; grid-template-columns: repeat(4, 1fr);
}
.stat-item {
  padding: 32px 20px; text-align: center;
  border-right: 1px solid rgba(255,255,255,.08);
  position: relative;
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-head); font-size: 2.4rem; font-weight: 700;
  color: var(--gold); line-height: 1; margin-bottom: 6px;
  display: flex; align-items: baseline; justify-content: center; gap: 2px;
}
.stat-num .suffix { font-size: 1.4rem; }
.stat-label { font-size: .8rem; color: rgba(255,255,255,.55); letter-spacing: .06em; text-transform: uppercase; }

/* ============================================================
   ABOUT
   ============================================================ */
#about .about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.about-visual {
  position: relative;
  border-radius: var(--radius-xl); overflow: hidden;
  aspect-ratio: 4/5;
  background: linear-gradient(145deg, #0a1f44, #1a3060 50%, #0e2a1a);
  box-shadow: var(--shadow-lg);
}
.about-visual-inner {
  position: absolute; inset: 0; display: flex; flex-direction: column;
  align-items: center; justify-content: center; padding: 36px;
}
.about-visual-icon { font-size: 6rem; margin-bottom: 20px; }
.about-visual-quote {
  font-family: var(--font-head); font-size: 1.1rem; font-style: italic;
  color: rgba(255,255,255,.8); text-align: center; line-height: 1.6;
}
.about-visual-deco {
  position: absolute; bottom: 0; left: 0; right: 0; height: 120px;
  background: linear-gradient(to top, rgba(10,31,68,.9), transparent);
  display: flex; align-items: flex-end; padding: 20px 24px;
}
.about-visual-tag {
  background: var(--gold); color: var(--navy-d);
  font-family: var(--font-head); font-size: .72rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase;
  padding: 6px 16px; border-radius: var(--radius-pill);
}
.about-visual::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 30% 30%, rgba(212,160,23,.12) 0%, transparent 55%);
}

.about-text .section-sub { margin-bottom: 28px; }
.about-highlight {
  background: var(--gold-pale); border-left: 4px solid var(--gold);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 18px 22px; margin-bottom: 28px; font-size: .95rem;
  color: var(--text); line-height: 1.7;
}
.about-highlight strong { color: var(--navy); }
.about-creds { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 28px; }
.about-cred {
  display: flex; align-items: center; gap: 10px;
  background: var(--off-white); border-radius: var(--radius);
  padding: 12px 14px; font-size: .84rem; font-weight: 500; color: var(--text);
}
.about-cred svg { width: 16px; height: 16px; stroke: var(--gold); fill: none; flex-shrink: 0; }

/* ============================================================
   SERVICES
   ============================================================ */
#services .section-header { text-align: center; margin-bottom: 56px; }
#services .section-sub { margin-inline: auto; }
.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.service-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 30px 24px; border: 1.5px solid var(--grey);
  transition: border-color var(--transition), transform var(--transition), box-shadow 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-d), var(--gold-l));
  transform: scaleX(0); transform-origin: left;
  transition: transform var(--transition);
}
.service-card:hover { border-color: rgba(212,160,23,.4); transform: translateY(-6px); box-shadow: var(--shadow-md); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 48px; height: 48px; border-radius: var(--radius);
  background: var(--gold-pale); display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.service-icon svg { width: 22px; height: 22px; stroke: var(--gold-d); fill: none; }
.service-title { font-family: var(--font-head); font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.service-desc { font-size: .84rem; color: var(--text-m); line-height: 1.7; }

/* ============================================================
   WHY CHOOSE
   ============================================================ */
#why { position: relative; overflow: hidden; }
#why::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 70% at 90% 50%, rgba(212,160,23,.06) 0%, transparent 60%),
    radial-gradient(ellipse 40% 60% at 0% 30%, rgba(26,58,122,.3) 0%, transparent 50%);
  pointer-events: none;
}
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.why-points { display: flex; flex-direction: column; gap: 24px; }
.why-point {
  display: flex; gap: 18px; align-items: flex-start;
  background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-lg); padding: 22px 20px;
  transition: background var(--transition), border-color var(--transition);
}
.why-point:hover { background: rgba(255,255,255,.08); border-color: rgba(212,160,23,.25); }
.why-point-icon {
  width: 44px; height: 44px; border-radius: var(--radius); flex-shrink: 0;
  background: rgba(212,160,23,.15); display: flex; align-items: center; justify-content: center;
}
.why-point-icon svg { width: 20px; height: 20px; stroke: var(--gold-l); fill: none; }
.why-point-body h4 { font-family: var(--font-head); font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: 5px; }
.why-point-body p { font-size: .86rem; color: rgba(255,255,255,.55); line-height: 1.7; }

.why-quote-side { display: flex; flex-direction: column; gap: 32px; }
.why-quote-block {
  border-left: 3px solid var(--gold);
  padding: 28px 32px;
  background: rgba(255,255,255,.04);
  border-radius: 0 var(--radius-lg) var(--radius-lg) 0;
}
.why-quote-block blockquote {
  font-family: var(--font-head); font-size: 1.3rem; font-style: italic;
  color: var(--white); line-height: 1.6; margin-bottom: 18px;
}
.why-quote-block blockquote em { color: var(--gold-l); font-style: normal; }
.quote-attr { display: flex; align-items: center; gap: 12px; }
.quote-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: rgba(212,160,23,.2); border: 2px solid rgba(212,160,23,.35);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
}
.quote-attr-text strong { display: block; font-size: .88rem; color: white; }
.quote-attr-text span { font-size: .75rem; color: rgba(255,255,255,.4); }
.why-cta-box {
  background: linear-gradient(130deg, rgba(212,160,23,.15), rgba(212,160,23,.05));
  border: 1.5px solid rgba(212,160,23,.25);
  border-radius: var(--radius-lg); padding: 28px 28px;
}
.why-cta-box p { font-size: .9rem; color: rgba(255,255,255,.65); margin-bottom: 16px; line-height: 1.7; }

/* ============================================================
   CREDENTIALS
   ============================================================ */
#credentials { background: var(--off-white); }
#credentials .section-header { text-align: center; margin-bottom: 56px; }
.cred-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-bottom: 40px; }
.cred-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 32px 20px; text-align: center;
  border: 1.5px solid var(--grey);
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.cred-card:hover { border-color: var(--gold); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.cred-badge {
  width: 64px; height: 64px; border-radius: 50%;
  background: var(--gold-pale); border: 2px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px; font-size: 1.6rem;
}
.cred-card h4 { font-family: var(--font-head); font-size: .95rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.cred-card p { font-size: .78rem; color: var(--text-m); line-height: 1.6; }
.award-banner {
  background: linear-gradient(130deg, var(--navy) 0%, var(--navy-m) 100%);
  border-radius: var(--radius-xl); padding: 36px 40px;
  display: flex; align-items: center; gap: 28px;
}
.award-trophy { font-size: 3.5rem; flex-shrink: 0; }
.award-text h3 { font-family: var(--font-head); font-size: 1.3rem; font-weight: 700; color: var(--white); margin-bottom: 6px; }
.award-text p { font-size: .9rem; color: rgba(255,255,255,.6); line-height: 1.6; }
.award-chip {
  margin-left: auto; flex-shrink: 0;
  background: var(--gold); color: var(--navy-d);
  font-family: var(--font-head); font-size: .72rem; font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase;
  padding: 8px 20px; border-radius: var(--radius-pill);
  white-space: nowrap;
}

/* ============================================================
   INSIGHTS / RESOURCES
   ============================================================ */
#insights .section-header { text-align: center; margin-bottom: 56px; }
.insights-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.insight-card {
  background: var(--white); border-radius: var(--radius-lg);
  overflow: hidden; border: 1.5px solid var(--grey);
  display: flex; flex-direction: column;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.insight-card:hover { border-color: rgba(212,160,23,.4); box-shadow: var(--shadow-md); transform: translateY(-5px); }
.insight-thumb {
  aspect-ratio: 16/9;
  display: flex; align-items: center; justify-content: center;
  font-size: 4rem; position: relative;
}
.insight-thumb .thumb-bg { position: absolute; inset: 0; }
.insight-thumb .thumb-icon { position: relative; z-index: 1; }
.insight-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.insight-cat {
  font-size: .68rem; font-weight: 700; letter-spacing: .15em;
  text-transform: uppercase; color: var(--gold-d); margin-bottom: 8px;
}
.insight-title { font-family: var(--font-head); font-size: 1rem; font-weight: 700; color: var(--navy); line-height: 1.4; margin-bottom: 10px; }
.insight-desc { font-size: .84rem; color: var(--text-m); line-height: 1.7; flex: 1; margin-bottom: 20px; }
.insight-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: .84rem; font-weight: 700; color: var(--navy);
  transition: gap var(--transition), color var(--transition);
}
.insight-link svg { width: 14px; height: 14px; stroke: currentColor; fill: none; transition: transform var(--transition); }
.insight-card:hover .insight-link { color: var(--gold-d); gap: 10px; }
.insight-card:hover .insight-link svg { transform: translateX(3px); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
#testimonials { background: var(--off-white); }
#testimonials .section-header { text-align: center; margin-bottom: 56px; }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 30px 26px; border: 1.5px solid var(--grey);
  display: flex; flex-direction: column; gap: 16px;
  transition: box-shadow var(--transition), transform var(--transition);
}
.testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.testi-stars { display: flex; gap: 3px; }
.testi-stars svg { width: 16px; height: 16px; fill: var(--gold); stroke: none; }
.testi-quote { font-size: .92rem; color: var(--text-m); line-height: 1.75; font-style: italic; flex: 1; }
.testi-quote::before { content: '\201C'; font-size: 2rem; color: var(--gold); line-height: 0; vertical-align: -0.5em; margin-right: 4px; font-style: normal; }
.testi-author { display: flex; align-items: center; gap: 14px; padding-top: 16px; border-top: 1px solid var(--grey); }
.testi-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-m));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; flex-shrink: 0;
}
.testi-name { font-family: var(--font-head); font-size: .9rem; font-weight: 700; color: var(--navy); }
.testi-role { font-size: .75rem; color: var(--text-l); }

/* ============================================================
   CONSULTATION / CONTACT
   ============================================================ */
#contact { background: var(--navy-d); position: relative; overflow: hidden; }
#contact::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 60% 70% at 100% 50%, rgba(212,160,23,.07) 0%, transparent 55%),
    radial-gradient(ellipse 50% 60% at 0% 0%, rgba(26,58,122,.4) 0%, transparent 50%);
}
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; position: relative; z-index: 1; }
.contact-info .section-title { color: var(--white); }
.contact-info .section-sub { color: rgba(255,255,255,.6); margin-bottom: 32px; }
.contact-features { display: flex; flex-direction: column; gap: 16px; margin-bottom: 32px; }
.contact-feature { display: flex; align-items: center; gap: 12px; }
.contact-feature-icon { width: 36px; height: 36px; border-radius: 50%; background: rgba(212,160,23,.15); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-feature-icon svg { width: 16px; height: 16px; stroke: var(--gold-l); fill: none; }
.contact-feature span { font-size: .9rem; color: rgba(255,255,255,.65); }
.contact-alt { font-size: .84rem; color: rgba(255,255,255,.4); margin-top: 16px; }
.contact-alt a { color: var(--gold-l); font-weight: 600; transition: color var(--transition); }
.contact-alt a:hover { color: var(--gold); }

/* Form */
.contact-form {
  background: rgba(255,255,255,.04); border: 1.5px solid rgba(255,255,255,.1);
  border-radius: var(--radius-xl); padding: 38px 34px;
  backdrop-filter: blur(8px);
}
.contact-form h3 { font-family: var(--font-head); font-size: 1.2rem; color: var(--white); margin-bottom: 24px; }
.form-group { margin-bottom: 18px; }
.form-label { display: block; font-size: .8rem; font-weight: 600; color: rgba(255,255,255,.55); letter-spacing: .06em; text-transform: uppercase; margin-bottom: 7px; }
.form-control {
  width: 100%; padding: 13px 16px;
  background: rgba(255,255,255,.07); border: 1.5px solid rgba(255,255,255,.12);
  border-radius: var(--radius); color: var(--white); font-size: .92rem;
  transition: border-color var(--transition), background var(--transition);
  outline: none;
}
.form-control::placeholder { color: rgba(255,255,255,.3); }
.form-control:focus { border-color: rgba(212,160,23,.5); background: rgba(255,255,255,.1); }
textarea.form-control { resize: vertical; min-height: 110px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-submit { width: 100%; margin-top: 8px; justify-content: center; }
.form-success {
  display: none; text-align: center; padding: 20px;
  color: #4ade80; font-size: .95rem; font-weight: 600;
}
.form-success.show { display: block; }
.form-note { font-size: .75rem; color: rgba(255,255,255,.35); margin-top: 14px; text-align: center; line-height: 1.6; }

/* ============================================================
   FOOTER
   ============================================================ */
footer { background: #030d1e; color: rgba(255,255,255,.4); padding: 56px 0 24px; }
.footer-top { display: grid; grid-template-columns: 2.2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand { }
.footer-logo { display: flex; flex-direction: column; margin-bottom: 16px; }
.footer-logo strong { font-family: var(--font-head); font-size: 1.15rem; color: var(--white); }
.footer-logo span { font-size: .65rem; color: var(--gold); letter-spacing: .16em; text-transform: uppercase; margin-top: 2px; }
.footer-tagline { font-size: .85rem; color: rgba(255,255,255,.4); line-height: 1.75; max-width: 280px; margin-bottom: 20px; }
.footer-socials { display: flex; gap: 10px; }
.footer-social {
  width: 36px; height: 36px; border-radius: 50%;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.5); font-size: .85rem;
  transition: all var(--transition);
}
.footer-social:hover { background: var(--gold); border-color: var(--gold); color: var(--navy-d); }
.footer-social svg { width: 16px; height: 16px; stroke: currentColor; fill: none; }
.footer-col h5 { font-family: var(--font-head); font-size: .88rem; font-weight: 700; color: rgba(255,255,255,.7); margin-bottom: 18px; text-transform: uppercase; letter-spacing: .08em; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: .84rem; color: rgba(255,255,255,.4); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--gold-l); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.07); padding-top: 24px; display: flex; justify-content: space-between; align-items: flex-start; gap: 24px; flex-wrap: wrap; }
.footer-copy { font-size: .75rem; color: rgba(255,255,255,.25); }
.footer-legal { font-size: .72rem; color: rgba(255,255,255,.2); max-width: 520px; line-height: 1.6; }

/* ============================================================
   BACK TO TOP
   ============================================================ */
#btt {
  position: fixed; bottom: 28px; right: 22px; z-index: 900;
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--gold); color: var(--navy-d);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 20px rgba(212,160,23,.4);
  opacity: 0; pointer-events: none;
  transition: opacity var(--transition), transform var(--transition);
  transform: translateY(10px);
}
#btt.show { opacity: 1; pointer-events: auto; transform: none; }
#btt:hover { background: var(--gold-l); transform: translateY(-3px); }
#btt svg { width: 18px; height: 18px; stroke: var(--navy-d); fill: none; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .cred-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 36px; }
}
@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; gap: 48px; }
  .about-visual { aspect-ratio: 16/9; max-height: 280px; }
  .why-grid { grid-template-columns: 1fr; gap: 48px; }
  .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .testi-grid { grid-template-columns: 1fr 1fr; }
  .award-banner { flex-wrap: wrap; }
  .award-chip { margin-left: 0; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .stat-item { border-bottom: 1px solid rgba(255,255,255,.08); }
}
@media (max-width: 768px) {
  .section-pad { padding-block: 64px; }
  .nav-links, .nav-links + .btn { display: none; }
  .hamburger { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .cred-grid { grid-template-columns: 1fr; }
  .insights-grid { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .about-creds { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
}
@media (max-width: 480px) {
  .stats-inner { grid-template-columns: 1fr 1fr; }
}