/*
Theme Name: SIP and MF
Theme URI: https://sipandmf.com
Author: SIP and MF
Description: Premium WordPress theme for SIP and MF – AMFI Registered Mutual Fund Distributor.
Version: 1.0.0
License: GNU General Public License v2 or later
Text Domain: sipandmf
*/

/* ============================================================
   BRAND TOKENS — SIP and MF
   Blue #2563EB | Green #22C55E | Clean white-dominant
============================================================ */
:root {
  --blue:        #2563EB;
  --blue-dk:     #1D4ED8;
  --blue-lt:     #3B82F6;
  --blue-pale:   #EFF6FF;
  --blue-mid:    #1E40AF;
  --green:       #22C55E;
  --green-dk:    #16A34A;
  --green-lt:    #4ADE80;
  --green-pale:  #F0FDF4;
  --white:       #FFFFFF;
  --off-white:   #F8FAFC;
  --slate:       #F1F5F9;
  --ink:         #0F172A;
  --ink-mid:     #1E293B;
  --muted:       #64748B;
  --muted-lt:    #94A3B8;
  --line:        #E2E8F0;

  --ff-head: 'Poppins', 'Segoe UI', sans-serif;
  --ff-body: 'Inter',   'Segoe UI', sans-serif;

  --sp:   clamp(56px, 7vw, 88px);
  --wrap: 1180px;
  --r:    12px;
  --r-lg: 24px;
  --r-xl: 40px;
  --trans: 0.25s cubic-bezier(0.4,0,0.2,1);

  --shadow-sm: 0 1px 8px rgba(37,99,235,0.07);
  --shadow-md: 0 4px 24px rgba(37,99,235,0.12);
  --shadow-lg: 0 12px 48px rgba(37,99,235,0.16);
  --shadow-green: 0 8px 32px rgba(34,197,94,0.25);
}

/* ── Reset ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;font-size:16px;}
body{font-family:var(--ff-body);color:var(--ink);background:var(--white);line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
img{max-width:100%;height:auto;display:block;}
a{color:var(--blue);text-decoration:none;transition:color var(--trans);}
a:hover{color:var(--blue-dk);}
ul,ol{list-style:none;}
p{margin-bottom:1rem;}

/* ── Typography ── */
h1,h2,h3,h4,h5,h6{font-family:var(--ff-head);color:var(--ink);line-height:1.2;font-weight:700;}
h1{font-size:clamp(2.4rem,5vw,4rem);letter-spacing:-0.02em;}
h2{font-size:clamp(1.8rem,3.5vw,2.8rem);letter-spacing:-0.01em;}
h3{font-size:clamp(1.1rem,2vw,1.4rem);}
.lead{font-size:1.1rem;color:var(--muted);line-height:1.8;}

/* ── Layout ── */
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px;}
.wrap--sm{max-width:720px;}
.sec{padding:var(--sp) 0;}
.sec--slate{background:var(--slate);}
.sec--blue{background:var(--blue);}
.sec--green{background:var(--green);}
.sec--off-white{background:var(--off-white);}

/* ── Labels ── */
.label-pill{
  display:inline-flex;align-items:center;gap:6px;
  font-family:var(--ff-body);font-size:0.7rem;font-weight:700;
  letter-spacing:0.2em;text-transform:uppercase;
  background:var(--blue-pale);color:var(--blue);
  border:1.5px solid rgba(37,99,235,0.2);
  padding:5px 14px;border-radius:50px;margin-bottom:14px;
}
.label-pill--green{background:var(--green-pale);color:var(--green-dk);border-color:rgba(34,197,94,0.2);}
.label-pill--white{background:rgba(255,255,255,0.15);color:#fff;border-color:rgba(255,255,255,0.3);}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--ff-body);font-size:0.88rem;font-weight:700;letter-spacing:0.04em;padding:14px 28px;border-radius:50px;border:2px solid transparent;cursor:pointer;transition:all var(--trans);text-decoration:none;}
.btn-blue{background:var(--blue);color:#fff;border-color:var(--blue);box-shadow:var(--shadow-md);}
.btn-blue:hover{background:var(--blue-dk);border-color:var(--blue-dk);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-lg);}
.btn-green{background:var(--green);color:#fff;border-color:var(--green);box-shadow:var(--shadow-green);}
.btn-green:hover{background:var(--green-dk);border-color:var(--green-dk);color:#fff;transform:translateY(-2px);}
.btn-outline{background:transparent;color:var(--blue);border-color:var(--blue);}
.btn-outline:hover{background:var(--blue);color:#fff;}
.btn-outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,0.6);}
.btn-outline-white:hover{background:#fff;color:var(--blue);}
.btn-ghost{background:var(--blue-pale);color:var(--blue);border-color:transparent;}
.btn-ghost:hover{background:var(--blue);color:#fff;}

/* ============================================================
   HEADER — floating pill style, unique to this theme
============================================================ */
#site-header{
  position:fixed;top:16px;left:0;right:0;z-index:999;
  padding:0 24px;
  transition:all var(--trans);
}
.hdr-inner{
  max-width:var(--wrap);margin:0 auto;
  display:flex;align-items:center;justify-content:space-between;
  background:#fff;
  border-radius:60px;
  padding:10px 10px 10px 24px;
  box-shadow:0 4px 24px rgba(37,99,235,0.12);
  border:1px solid var(--line);
}
#site-header.scrolled .hdr-inner{
  box-shadow:0 8px 40px rgba(37,99,235,0.2);
}

/* Logo */
.hdr-logo{display:flex;align-items:center;gap:10px;text-decoration:none;}
.hdr-logo-icon{
  width:40px;height:40px;
  background:linear-gradient(135deg,var(--blue),var(--green));
  border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.1rem;font-weight:900;color:#fff;
  font-family:var(--ff-head);
  flex-shrink:0;
}
.hdr-logo-text{line-height:1;}
.hdr-logo-main{font-family:var(--ff-head);font-size:1.1rem;font-weight:800;color:var(--ink);letter-spacing:-0.01em;}
.hdr-logo-main .sip{color:var(--blue);}
.hdr-logo-main .mf{color:var(--green);}
.hdr-logo-sub{font-size:0.6rem;color:var(--muted);font-weight:600;letter-spacing:0.1em;text-transform:uppercase;}

/* Nav */
.hdr-nav{display:flex;align-items:center;gap:2px;}
.hdr-nav a{font-size:0.8rem;font-weight:600;color:var(--muted);padding:7px 12px;border-radius:50px;transition:all var(--trans);}
.hdr-nav a:hover{color:var(--blue);background:var(--blue-pale);}
.hdr-cta{background:var(--blue);color:#fff !important;padding:10px 20px !important;border-radius:50px !important;}
.hdr-cta:hover{background:var(--blue-dk) !important;color:#fff !important;}

.hdr-toggle{display:none;background:none;border:none;cursor:pointer;color:var(--ink);padding:6px;}

/* Mobile */
.mob-menu{
  position:fixed;top:0;left:0;right:0;bottom:0;
  background:#fff;z-index:998;
  display:flex;flex-direction:column;
  padding:100px 32px 40px;
  transform:translateX(100%);
  transition:transform var(--trans);
}
.mob-menu.open{transform:translateX(0);}
.mob-menu a{display:block;font-size:1.2rem;font-weight:700;color:var(--ink);padding:14px 0;border-bottom:1px solid var(--line);}
.mob-menu a:hover{color:var(--blue);}
.mob-close{position:absolute;top:20px;right:24px;background:none;border:none;font-size:1.5rem;cursor:pointer;color:var(--ink);}

/* ============================================================
   HERO — unique: split with floating cards, wave bottom
============================================================ */
.hero{
  background:linear-gradient(135deg,var(--blue-mid) 0%,var(--blue) 50%,#1E90FF 100%);
  padding:140px 0 100px;
  position:relative;
  overflow:hidden;
}
/* Decorative blobs */
.hero::before{
  content:'';position:absolute;top:-100px;right:-100px;
  width:500px;height:500px;border-radius:50%;
  background:radial-gradient(circle,rgba(74,222,128,0.2) 0%,transparent 70%);
}
.hero::after{
  content:'';position:absolute;bottom:-120px;left:-60px;
  width:400px;height:400px;border-radius:50%;
  background:radial-gradient(circle,rgba(255,255,255,0.06) 0%,transparent 70%);
}
/* Wave bottom */
.hero-wave{position:absolute;bottom:-2px;left:0;right:0;line-height:0;}
.hero-wave svg{display:block;width:100%;}

.hero-inner{
  position:relative;z-index:2;
  display:grid;grid-template-columns:1fr 1fr;
  gap:60px;align-items:center;
}

/* Left */
.hero-kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,0.15);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,0.25);color:#fff;font-size:0.72rem;font-weight:700;letter-spacing:0.18em;text-transform:uppercase;padding:6px 16px;border-radius:50px;margin-bottom:22px;}
.hero-kicker::before{content:'';width:6px;height:6px;background:var(--green-lt);border-radius:50%;animation:blink 2s infinite;}
@keyframes blink{0%,100%{opacity:1;}50%{opacity:0.3;}}
.hero-h1{color:#fff;font-size:clamp(2.4rem,5vw,3.8rem);line-height:1.1;letter-spacing:-0.02em;margin-bottom:18px;}
.hero-h1 .accent-green{color:var(--green-lt);}
.hero-sub{color:rgba(255,255,255,0.75);font-size:1.05rem;line-height:1.78;margin-bottom:32px;max-width:460px;}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;}
.hero-trust{display:flex;align-items:center;gap:16px;margin-top:28px;flex-wrap:wrap;}
.hero-trust-item{display:flex;align-items:center;gap:6px;font-size:0.75rem;font-weight:600;color:rgba(255,255,255,0.65);}
.hero-trust-item svg{width:14px;height:14px;color:var(--green-lt);}

/* Right — floating metric cards */
.hero-cards{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.hero-card{
  background:rgba(255,255,255,0.1);
  backdrop-filter:blur(12px);
  border:1px solid rgba(255,255,255,0.2);
  border-radius:var(--r-lg);
  padding:22px 18px;
  transition:all var(--trans);
}
.hero-card:hover{background:rgba(255,255,255,0.18);transform:translateY(-3px);}
.hero-card--wide{grid-column:1/-1;}
.hero-card--green{background:rgba(34,197,94,0.2);border-color:rgba(34,197,94,0.3);}
.hero-card-icon{font-size:1.6rem;margin-bottom:10px;}
.hero-card-num{font-family:var(--ff-head);font-size:1.9rem;font-weight:800;color:#fff;line-height:1;letter-spacing:-0.02em;}
.hero-card-num .unit{font-size:0.9rem;color:rgba(255,255,255,0.7);}
.hero-card-lbl{font-size:0.72rem;color:rgba(255,255,255,0.6);text-transform:uppercase;letter-spacing:0.12em;margin-top:5px;font-weight:600;}
.hero-card--wide .hero-card-body{display:flex;align-items:center;justify-content:space-between;}
.hero-card--wide .hero-sip-example{text-align:right;}
.hero-card--wide .hero-sip-label{font-size:0.7rem;color:rgba(255,255,255,0.6);margin-bottom:3px;}
.hero-card--wide .hero-sip-val{font-family:var(--ff-head);font-size:1.4rem;font-weight:800;color:var(--green-lt);}
.hero-bar{height:6px;background:rgba(255,255,255,0.15);border-radius:3px;margin-top:12px;overflow:hidden;}
.hero-bar-fill{height:100%;background:linear-gradient(90deg,var(--green-lt),#86efac);border-radius:3px;animation:grow 2s ease-out forwards;}
@keyframes grow{from{width:0};}

/* ============================================================
   SERVICES — Unique: horizontal scrollable cards on mobile,
   3-col grid with icon + gradient accent
============================================================ */
.services-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
  margin-top:52px;
}
.svc-card{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:var(--r-lg);
  padding:32px 26px;
  position:relative;
  overflow:hidden;
  transition:all var(--trans);
}
.svc-card::before{
  content:'';
  position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--blue),var(--green));
  transform:scaleX(0);transform-origin:left;
  transition:transform var(--trans);
}
.svc-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:transparent;}
.svc-card:hover::before{transform:scaleX(1);}
.svc-icon{
  width:56px;height:56px;
  border-radius:14px;
  background:var(--blue-pale);
  display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;margin-bottom:18px;
  transition:all var(--trans);
}
.svc-card:hover .svc-icon{background:linear-gradient(135deg,var(--blue),var(--green));filter:saturate(1.2);}
.svc-card h3{font-size:1rem;font-weight:700;color:var(--ink);margin-bottom:8px;}
.svc-card p{color:var(--muted);font-size:0.88rem;line-height:1.65;margin:0;}
.svc-num{position:absolute;top:20px;right:22px;font-family:var(--ff-head);font-size:2.5rem;font-weight:900;color:var(--line);line-height:1;}

/* ============================================================
   STATS — Horizontal ticker-style
============================================================ */
.stats-row{
  background:linear-gradient(90deg,var(--blue-mid),var(--blue),var(--blue-lt));
  padding:52px 0;
}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;}
.stat-col{text-align:center;padding:0 24px;border-right:1px solid rgba(255,255,255,0.15);}
.stat-col:last-child{border-right:none;}
.stat-num{font-family:var(--ff-head);font-size:2.8rem;font-weight:800;color:#fff;letter-spacing:-0.02em;line-height:1;}
.stat-unit{color:var(--green-lt);font-size:0.75em;}
.stat-lbl{font-size:0.72rem;color:rgba(255,255,255,0.55);text-transform:uppercase;letter-spacing:0.15em;margin-top:8px;font-weight:600;}

/* ============================================================
   WHY US — alternating rows with icon accent
============================================================ */
.why-item{
  display:grid;grid-template-columns:1fr 1fr;
  gap:72px;align-items:center;
  padding:56px 0;
  border-bottom:1px solid var(--line);
}
.why-item:last-child{border-bottom:none;}
.why-item.reverse .why-visual{order:-1;}
.why-visual-box{
  background:linear-gradient(135deg,var(--blue-pale) 0%,var(--green-pale) 100%);
  border-radius:var(--r-xl);
  padding:44px;
  position:relative;
  overflow:hidden;
}
.why-visual-box::after{content:'';position:absolute;bottom:-40px;right:-40px;width:160px;height:160px;border-radius:50%;background:rgba(37,99,235,0.08);}
.why-big-icon{font-size:5rem;margin-bottom:16px;line-height:1;}
.why-stat-big{font-family:var(--ff-head);font-size:3.5rem;font-weight:800;background:linear-gradient(135deg,var(--blue),var(--green));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;line-height:1;letter-spacing:-0.02em;}
.why-stat-lbl{color:var(--muted);font-size:0.88rem;margin-top:6px;}
.why-feat-list{display:flex;flex-direction:column;gap:18px;margin:24px 0;}
.why-feat{display:flex;gap:14px;align-items:flex-start;}
.why-feat-icon{width:36px;height:36px;background:linear-gradient(135deg,var(--blue),var(--green));border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0;}
.why-feat h4{font-size:0.95rem;font-weight:700;color:var(--ink);margin-bottom:3px;}
.why-feat p{font-size:0.87rem;color:var(--muted);margin:0;}

/* ============================================================
   PROCESS — Unique: timeline with connecting dots
============================================================ */
.process-timeline{
  position:relative;
  margin-top:52px;
  padding-left:44px;
}
.process-timeline::before{
  content:'';position:absolute;left:14px;top:8px;bottom:8px;
  width:2px;background:linear-gradient(to bottom,var(--blue),var(--green));
  border-radius:1px;
}
.process-step{
  position:relative;
  padding:0 0 44px 36px;
}
.process-step:last-child{padding-bottom:0;}
.process-dot{
  position:absolute;left:-44px;top:4px;
  width:28px;height:28px;
  border-radius:50%;
  background:linear-gradient(135deg,var(--blue),var(--green));
  display:flex;align-items:center;justify-content:center;
  font-size:0.72rem;font-weight:800;color:#fff;
  box-shadow:0 0 0 4px #fff,0 0 0 6px var(--blue);
}
.process-step h3{font-size:1.1rem;font-weight:700;color:var(--ink);margin-bottom:6px;}
.process-step p{color:var(--muted);font-size:0.9rem;margin:0;max-width:420px;}
.process-visual{
  background:var(--white);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:36px;
  box-shadow:var(--shadow-md);
  display:flex;flex-direction:column;gap:16px;
}
.process-visual-num{font-family:var(--ff-head);font-size:5rem;font-weight:800;background:linear-gradient(135deg,var(--blue),var(--green));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;line-height:1;letter-spacing:-0.03em;}
.process-visual-text{color:var(--muted);font-size:0.9rem;}
.process-mini-stat{background:var(--blue-pale);border-radius:10px;padding:14px 18px;}
.process-mini-stat .n{font-family:var(--ff-head);font-size:1.6rem;font-weight:800;color:var(--blue);}
.process-mini-stat .l{font-size:0.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;margin-top:2px;}

/* ============================================================
   CALCULATORS TEASER — Grid of tool cards
============================================================ */
.tools-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:14px;
  margin-top:44px;
}
.tool-card{
  background:var(--white);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:22px 18px;
  text-align:center;text-decoration:none;
  transition:all var(--trans);
}
.tool-card:hover{border-color:var(--blue);box-shadow:var(--shadow-md);transform:translateY(-3px);}
.tool-card-icon{font-size:1.8rem;margin-bottom:10px;display:block;}
.tool-card h4{font-size:0.82rem;font-weight:700;color:var(--ink);margin:0;line-height:1.3;}

/* ============================================================
   TESTIMONIALS — Mosaic layout
============================================================ */
.testi-mosaic{
  display:grid;
  grid-template-columns:1fr 1fr 1fr;
  gap:18px;
  margin-top:44px;
}
.testi-card{
  background:var(--white);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:28px;
  transition:all var(--trans);
}
.testi-card:hover{border-color:var(--blue);box-shadow:var(--shadow-md);transform:translateY(-3px);}
.testi-card:nth-child(2){background:linear-gradient(135deg,var(--blue-mid),var(--blue));}
.testi-card:nth-child(2) .testi-text{color:rgba(255,255,255,0.85);}
.testi-card:nth-child(2) .testi-name{color:#fff;}
.testi-card:nth-child(2) .testi-role{color:rgba(255,255,255,0.6);}
.testi-card:nth-child(2) .testi-stars{color:var(--green-lt);}
.testi-stars{color:#F59E0B;font-size:0.85rem;letter-spacing:2px;margin-bottom:14px;}
.testi-text{font-size:0.92rem;color:var(--muted);font-style:italic;line-height:1.72;margin-bottom:20px;}
.testi-author{display:flex;align-items:center;gap:12px;}
.testi-avatar{width:42px;height:42px;border-radius:10px;background:linear-gradient(135deg,var(--blue),var(--green));display:flex;align-items:center;justify-content:center;font-family:var(--ff-head);font-weight:800;font-size:0.95rem;color:#fff;flex-shrink:0;}
.testi-name{font-weight:700;font-size:0.9rem;color:var(--ink);}
.testi-role{font-size:0.76rem;color:var(--muted-lt);}

/* ============================================================
   INSIGHTS — 2-col layout: featured + list
============================================================ */
.insights-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:28px;margin-top:44px;}
.insight-feat{
  background:linear-gradient(135deg,var(--blue-mid),var(--blue-lt));
  border-radius:var(--r-xl);padding:44px;
  color:#fff;display:flex;flex-direction:column;justify-content:flex-end;min-height:380px;
  position:relative;overflow:hidden;
}
.insight-feat::before{content:'';position:absolute;top:-40px;right:-40px;width:200px;height:200px;border-radius:50%;background:rgba(34,197,94,0.15);}
.insight-feat-tag{font-size:0.68rem;font-weight:700;letter-spacing:0.18em;text-transform:uppercase;color:var(--green-lt);margin-bottom:12px;position:relative;}
.insight-feat h3{font-size:1.5rem;color:#fff;line-height:1.3;margin-bottom:10px;position:relative;}
.insight-feat p{color:rgba(255,255,255,0.65);font-size:0.88rem;position:relative;}
.insight-feat-link{display:inline-flex;align-items:center;gap:8px;color:var(--green-lt);font-size:0.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-top:20px;position:relative;transition:gap var(--trans);}
.insight-feat-link:hover{color:#fff;gap:14px;}

.insight-list{display:flex;flex-direction:column;gap:0;}
.insight-item{padding:18px 0;border-bottom:1px solid var(--line);display:flex;gap:14px;align-items:flex-start;}
.insight-item:first-child{padding-top:0;}
.insight-item:last-child{border-bottom:none;}
.insight-num{font-family:var(--ff-head);font-size:1.8rem;font-weight:800;color:var(--line);line-height:1;width:36px;flex-shrink:0;}
.insight-tag{font-size:0.65rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--blue);margin-bottom:4px;}
.insight-title{font-size:0.9rem;font-weight:700;color:var(--ink);line-height:1.4;}
.insight-title a{color:var(--ink);}
.insight-title a:hover{color:var(--blue);}

/* ============================================================
   CTA SECTION — Green accent
============================================================ */
.cta-sec{
  background:linear-gradient(135deg,var(--blue-mid),var(--blue),var(--blue-lt));
  padding:80px 0;text-align:center;
  position:relative;overflow:hidden;
}
.cta-sec::before{content:'';position:absolute;top:-60px;left:50%;transform:translateX(-50%);width:600px;height:600px;border-radius:50%;background:rgba(34,197,94,0.1);}
.cta-sec h2{color:#fff;font-size:clamp(1.8rem,3.5vw,2.8rem);margin-bottom:14px;position:relative;}
.cta-sec p{color:rgba(255,255,255,0.75);font-size:1.05rem;margin-bottom:32px;position:relative;}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;position:relative;}

/* ============================================================
   FOOTER
============================================================ */
#site-footer{background:var(--ink);color:rgba(255,255,255,0.65);padding:64px 0 0;}
.ftr-grid{display:grid;grid-template-columns:1.8fr 1fr 1fr 1.2fr;gap:44px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,0.08);}
.ftr-logo{font-family:var(--ff-head);font-size:1.5rem;font-weight:800;margin-bottom:10px;display:block;}
.ftr-logo .sip{color:var(--blue-lt);}
.ftr-logo .mf{color:var(--green-lt);}
.ftr-tagline{font-size:0.68rem;letter-spacing:0.15em;text-transform:uppercase;color:var(--green);margin-bottom:14px;display:block;font-weight:700;}
.ftr-desc{font-size:0.86rem;color:rgba(255,255,255,0.45);line-height:1.72;margin-bottom:20px;}
.ftr-social{display:flex;gap:8px;}
.ftr-social a{width:34px;height:34px;background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.1);border-radius:8px;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,0.5);font-size:0.85rem;transition:all var(--trans);}
.ftr-social a:hover{background:var(--blue);border-color:var(--blue);color:#fff;}
.ftr-col h5{font-family:var(--ff-body);font-size:0.7rem;font-weight:700;letter-spacing:0.2em;text-transform:uppercase;color:var(--green-lt);margin-bottom:16px;}
.ftr-links li{margin-bottom:8px;}
.ftr-links a{color:rgba(255,255,255,0.5);font-size:0.87rem;transition:color var(--trans);}
.ftr-links a:hover{color:#fff;}
.ftr-contact-row{display:flex;gap:9px;align-items:flex-start;margin-bottom:11px;font-size:0.84rem;color:rgba(255,255,255,0.5);}
.ftr-bottom{padding:20px 0;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;}
.ftr-bottom p{font-size:0.75rem;color:rgba(255,255,255,0.3);margin:0;}
.ftr-disclaimer{background:rgba(0,0,0,0.25);padding:14px 0;font-size:0.68rem;color:rgba(255,255,255,0.3);text-align:center;line-height:1.6;}

/* ============================================================
   PAGE HERO (inner pages)
============================================================ */
.pg-hero{
  background:linear-gradient(135deg,var(--blue-mid),var(--blue));
  padding:140px 0 80px;text-align:center;
  position:relative;overflow:hidden;
}
.pg-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 60% at 50% 100%,rgba(34,197,94,0.15) 0%,transparent 60%);}
.pg-hero h1{color:#fff;position:relative;}
.pg-hero p{color:rgba(255,255,255,0.7);font-size:1.05rem;max-width:540px;margin:14px auto 0;position:relative;}

/* ============================================================
   REGULATORY / DOC PAGES
============================================================ */
.doc-wrap{max-width:860px;margin:0 auto;padding:60px 24px;}
.doc-block{margin-bottom:36px;padding-bottom:36px;border-bottom:1px solid var(--line);}
.doc-block:last-child{border-bottom:none;}
.doc-block h2{font-size:1.4rem;color:var(--ink);margin-bottom:14px;}
.doc-block h3{font-size:1rem;color:var(--ink);margin:18px 0 8px;}
.doc-block p{color:var(--muted);font-size:0.94rem;line-height:1.75;}
.doc-block ul{margin:8px 0 12px 18px;list-style:disc;color:var(--muted);font-size:0.94rem;}
.doc-block ul li{margin-bottom:5px;line-height:1.65;}
.doc-badge{display:inline-flex;align-items:center;gap:7px;background:var(--blue-pale);color:var(--blue);font-size:0.76rem;font-weight:700;padding:6px 14px;border-radius:50px;margin-bottom:14px;border:1px solid rgba(37,99,235,0.2);}
.doc-table{width:100%;border-collapse:collapse;margin:14px 0;font-size:0.9rem;}
.doc-table th{background:var(--blue);color:#fff;padding:11px 14px;text-align:left;font-weight:700;}
.doc-table td{padding:10px 14px;border-bottom:1px solid var(--line);color:var(--muted);}
.doc-table tr:nth-child(even) td{background:var(--off-white);}

/* ============================================================
   CONTACT
============================================================ */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:56px;align-items:start;}
.contact-info-item{display:flex;gap:14px;align-items:flex-start;margin-bottom:24px;}
.contact-info-icon{width:44px;height:44px;background:var(--blue-pale);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0;}
.contact-info-item h4{color:var(--ink);margin-bottom:3px;font-size:0.92rem;}
.contact-info-item p{color:var(--muted);font-size:0.88rem;margin:0;}
.form-card{background:var(--off-white);border-radius:var(--r-xl);padding:36px;}
.form-group{margin-bottom:16px;}
.form-group label{display:block;font-size:0.78rem;font-weight:700;color:var(--ink);margin-bottom:6px;letter-spacing:0.04em;text-transform:uppercase;}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 16px;border:2px solid var(--line);border-radius:10px;font-family:var(--ff-body);font-size:0.94rem;color:var(--ink);background:#fff;transition:border-color var(--trans);outline:none;}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--blue);}
.form-group textarea{min-height:110px;resize:vertical;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.form-msg{padding:11px 16px;border-radius:8px;margin-bottom:14px;font-weight:700;font-size:0.88rem;}
.form-msg--ok{background:#dcfce7;color:#15803d;}
.form-msg--err{background:#fee2e2;color:#b91c1c;}

/* ============================================================
   CALC STYLES (tools page)
============================================================ */
.calc-block{background:var(--white);border:1px solid var(--line);border-radius:var(--r-xl);padding:36px;margin-bottom:24px;scroll-margin-top:130px;box-shadow:var(--shadow-sm);}
.calc-block h2{font-size:1.4rem;margin-bottom:6px;}
.calc-desc{color:var(--muted);font-size:0.9rem;margin-bottom:24px;}
.calc-two{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start;}
.cg{margin-bottom:20px;}
.cg label{display:flex;justify-content:space-between;font-size:0.82rem;font-weight:700;color:var(--ink);margin-bottom:8px;}
.cg label span{color:var(--blue);font-weight:800;}
.cg input[type=range]{width:100%;accent-color:var(--blue);}
.cg .rng-row{display:flex;justify-content:space-between;font-size:0.68rem;color:var(--muted-lt);margin-top:3px;}
.calc-res{background:linear-gradient(135deg,var(--blue-mid),var(--blue));border-radius:var(--r-lg);padding:28px;}
.cr-lbl{font-size:0.7rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,0.45);margin-bottom:4px;}
.cr-val{font-family:var(--ff-head);font-size:2.4rem;color:#fff;font-weight:800;line-height:1;letter-spacing:-0.02em;}
.cr-sub{font-size:0.78rem;color:rgba(255,255,255,0.4);margin-top:4px;}
.cr-g{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px;}
.cr-m{background:rgba(255,255,255,0.08);border-radius:9px;padding:12px;text-align:center;}
.cr-m .l{font-size:0.65rem;color:rgba(255,255,255,0.4);text-transform:uppercase;letter-spacing:.08em;margin-bottom:4px;}
.cr-m .v{font-family:var(--ff-head);font-size:1.2rem;color:var(--green-lt);font-weight:800;}

/* ============================================================
   WHATSAPP FLOAT
============================================================ */
.wa-float{position:fixed;bottom:24px;right:24px;z-index:998;width:52px;height:52px;background:#25D366;border-radius:14px;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 22px rgba(37,211,102,0.4);text-decoration:none;transition:all var(--trans);}
.wa-float:hover{transform:translateY(-3px) scale(1.06);}
.wa-float svg{width:28px;height:28px;fill:#fff;}

/* ============================================================
   RESPONSIVE
============================================================ */
@media(max-width:1024px){
  .hero-inner{grid-template-columns:1fr;}
  .hero-cards{display:none;}
  .services-grid{grid-template-columns:repeat(2,1fr);}
  .stats-grid{grid-template-columns:repeat(2,1fr);}
  .stat-col:nth-child(2){border-right:none;}
  .why-item{grid-template-columns:1fr;gap:32px;}
  .why-item.reverse .why-visual{order:0;}
  .tools-grid{grid-template-columns:repeat(3,1fr);}
  .testi-mosaic{grid-template-columns:1fr 1fr;}
  .insights-grid{grid-template-columns:1fr;}
  .ftr-grid{grid-template-columns:1fr 1fr;}
  .contact-grid{grid-template-columns:1fr;}
  .calc-two{grid-template-columns:1fr;}
}
@media(max-width:768px){
  :root{--sp:52px;}
  .hdr-nav{display:none;}
  .hdr-toggle{display:block;}
  .services-grid{grid-template-columns:1fr;}
  .stats-grid{grid-template-columns:1fr 1fr;}
  .stat-col{border-right:none;border-bottom:1px solid rgba(255,255,255,0.12);padding:16px;}
  .stat-col:last-child{border-bottom:none;}
  .tools-grid{grid-template-columns:repeat(2,1fr);}
  .testi-mosaic{grid-template-columns:1fr;}
  .ftr-grid{grid-template-columns:1fr;}
  .ftr-bottom{flex-direction:column;text-align:center;}
  .form-row{grid-template-columns:1fr;}
  .process-timeline{padding-left:36px;}
}
@media(max-width:480px){
  .hero-btns{flex-direction:column;}
  .tools-grid{grid-template-columns:repeat(2,1fr);}
}