/* ============================================================
   DEYWEALTH MART — Premium Financial Advisory
   Design system: Royal Blue #0F2040 + Premium Red #C41E3A
   Light-luxury, editorial, Awwwards-grade. Vanilla + Bootstrap 5
   ============================================================ */

:root {
  --primary: #0F2040;
  --primary-light: #1A365D;
  --accent: #C41E3A;
  --accent-hover: #A0172E;
  --bg: #FAF9F6;
  --surface: #FFFFFF;
  --text: #0F2040;
  --muted: #5B6472;
  --border: rgba(15, 32, 64, 0.08);
  --border-strong: rgba(15, 32, 64, 0.14);

  --shadow-soft: 0 12px 32px rgba(15, 32, 64, 0.05);
  --shadow-hover: 0 26px 60px rgba(15, 32, 64, 0.12);
  --shadow-nav: 0 1px 0 rgba(15, 32, 64, 0.06);

  --r-sm: 0.6rem;
  --r-md: 1rem;
  --r-lg: 1.6rem;
  --r-xl: 2.2rem;
  --pill: 9999px;

  --ff-head: 'Playfair Display', Georgia, serif;
  --ff-body: 'Manrope', system-ui, sans-serif;

  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --section-y: clamp(2.5rem, 3.5vw, 4rem);
  --container: 1320px;
}

/* ---------- Reset / base ---------- */
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
html.lenis, html.lenis body { height: auto; }
.lenis.lenis-smooth { scroll-behavior: auto !important; }

body {
  margin: 0;
  font-family: var(--ff-body);
  background: var(--bg);
  color: var(--text);
  font-size: 1.0625rem;
  line-height: 1.65;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5 {
  font-family: var(--ff-head);
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.04;
  color: var(--primary);
  margin: 0;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
p { margin: 0 0 1rem; color: var(--muted); }
::selection { background: var(--accent); color: #fff; }

.container-x {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: clamp(1.25rem, 4vw, 3rem);
}

/* ---------- Noise overlay ---------- */
.noise-overlay {
  position: fixed; inset: 0; z-index: 1;
  pointer-events: none; opacity: 0.035;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 240 240' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

/* ---------- Typography scale ---------- */
.display {
  font-size: clamp(3rem, 7.2vw, 6.2rem);
  line-height: 1.14;
  font-weight: 600;
}
.h-xl { font-size: clamp(2.4rem, 5vw, 4rem); }
.h-lg { font-size: clamp(1.9rem, 3.6vw, 2.9rem); }
.h-md { font-size: clamp(1.4rem, 2.4vw, 1.9rem); }
.lead { font-size: clamp(1.1rem, 1.6vw, 1.35rem); color: var(--muted); line-height: 1.6; }
.eyebrow {
  font-family: var(--ff-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--accent);
  display: inline-flex; align-items: center; gap: 0.7rem;
}
.eyebrow::before {
  content: ""; width: 2rem; height: 1px; background: var(--accent); display: inline-block;
}
.eyebrow.center::before { display: none; }
.text-accent { color: var(--accent); }
.text-muted-x { color: var(--muted); }
.serif-italic { font-family: var(--ff-head); font-style: italic; font-weight: 400; }

/* ---------- Buttons ---------- */
.btn-x {
  display: inline-flex; align-items: center; gap: 0.6rem;
  font-family: var(--ff-body); font-weight: 600; font-size: 0.98rem;
  padding: 0.95rem 1.9rem; border-radius: var(--pill);
  border: 1px solid transparent; cursor: pointer;
  transition: transform 0.5s var(--ease), background-color 0.35s var(--ease), color 0.35s var(--ease), box-shadow 0.4s var(--ease);
  will-change: transform;
}
.btn-primary-x { background: var(--accent); color: #fff; box-shadow: 0 10px 24px rgba(196, 30, 58, 0.22); }
.btn-primary-x:hover { transform: translateY(-3px); background: var(--accent-hover); box-shadow: 0 16px 32px rgba(196, 30, 58, 0.28); }
.btn-outline-x { background: transparent; color: var(--primary); border-color: var(--border-strong); }
.btn-outline-x:hover { transform: translateY(-3px); background: var(--primary); color: #fff; border-color: var(--primary); }
.btn-x .ic { transition: transform 0.4s var(--ease); }
.btn-x:hover .ic { transform: translateX(4px); }

/* ---------- Navbar ---------- */
.nav-x {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1030;
  background: rgba(250, 249, 246, 0.94); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  transition: background-color 0.4s var(--ease), box-shadow 0.4s var(--ease), padding 0.4s var(--ease);
  padding: 0.35rem 0; box-shadow: var(--shadow-nav);
}
.nav-x.scrolled { background: rgba(250, 249, 246, 0.98); padding: 0.25rem 0; }
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }
.nav-logo img { width: 170px; height: auto; transition: width 0.4s var(--ease); }
.nav-x.scrolled .nav-logo img { width: 125px; }
.nav-links { display: flex; align-items: center; gap: 1.2rem; list-style: none; margin: 0; padding: 0; }
.nav-logo, .nav-cta { flex-shrink: 0; }
.nav-links > li > .nav-link { white-space: nowrap; }
.nav-link {
  font-weight: 600; font-size: 0.95rem; color: var(--primary);
  position: relative; padding: 0.4rem 0; transition: color 0.3s var(--ease);
}
.nav-link::after {
  content: ""; position: absolute; left: 0; bottom: -2px; height: 1.5px; width: 0;
  background: var(--accent); transition: width 0.4s var(--ease);
}
.nav-link:hover, .nav-link.active { color: var(--accent); }
.nav-link:hover::after, .nav-link.active::after { width: 100%; }

.nav-cta { display: flex; align-items: center; gap: 0.75rem; }

/* Mega dropdown */
.nav-item-drop { position: relative; }
.nav-item-drop::after {
  content: ""; position: absolute; top: 100%; left: -1rem; width: calc(100% + 2rem); height: 1rem; z-index: 1;
}
.nav-drop {
  position: absolute; top: calc(100% + 0.65rem); left: 50%; transform: translateX(-50%) translateY(10px);
  background: var(--surface); border-radius: var(--r-lg); box-shadow: var(--shadow-hover);
  border: 1px solid var(--border); padding: 1.4rem; width: min(680px, 88vw);
  display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem;
  opacity: 0; visibility: hidden; z-index: 2; transition: opacity 0.35s var(--ease), transform 0.35s var(--ease);
}
.nav-item-drop:hover .nav-drop,
.nav-item-drop:focus-within .nav-drop { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.drop-link {
  display: flex; flex-direction: column; gap: 0.15rem;
  padding: 0.75rem 0.9rem; border-radius: var(--r-sm); transition: background-color 0.3s var(--ease);
}
.drop-link:hover { background: var(--bg); }
.drop-link .dl-title { font-weight: 700; color: var(--primary); font-size: 0.95rem; }
.drop-link .dl-sub { font-size: 0.8rem; color: var(--muted); line-height: 1.35; }
.nav-caret { font-size: 0.6rem; margin-left: 0.3rem; transition: transform 0.3s var(--ease); display: inline-block; }
.nav-item-drop:hover .nav-caret { transform: rotate(180deg); }

/* Mobile nav */
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 0.4rem; }
.nav-toggle span { display: block; width: 26px; height: 2px; background: var(--primary); margin: 5px 0; transition: transform 0.4s var(--ease), opacity 0.3s var(--ease); }
.mobile-panel {
  position: fixed; inset: 0; z-index: 1040; background: var(--bg);
  transform: translateX(100%); transition: transform 0.5s var(--ease);
  padding: 6rem 2rem 3rem; overflow-y: auto;
}
.mobile-panel.open { transform: translateX(0); }
.mobile-panel a { display: block; font-family: var(--ff-head); font-size: 1.6rem; padding: 0.6rem 0; border-bottom: 1px solid var(--border); }
.mobile-panel .m-sub a { font-family: var(--ff-body); font-size: 1rem; color: var(--muted); padding: 0.45rem 0; border: none; }
.mobile-panel .m-sub { padding-left: 1rem; }
.mobile-close { position: absolute; top: 1.6rem; right: 1.6rem; font-size: 1.6rem; background: none; border: none; color: var(--primary); cursor: pointer; }

/* ---------- Sections ---------- */
.section { position: relative; z-index: 2; padding-block: var(--section-y); }
.section-sm { padding-block: clamp(2rem, 3vw, 3rem); }

/* Avoid doubled whitespace where full-width content sections meet. */
.section + .section,
.section-sm + .section,
.section + .section-sm {
  padding-top: clamp(1rem, 1.5vw, 1.5rem);
}

/* Keep the About page image and Mission/Vision content visually connected. */
.about-page-hero + [data-testid="about-image"] {
  padding-top: clamp(1rem, 1.5vw, 1.5rem);
  padding-bottom: clamp(1.25rem, 2vw, 2rem);
}
.about-page-hero { padding-bottom: clamp(1.25rem, 2vw, 2rem); }
.youtube-channel-card {
  position: relative; min-height: clamp(300px, 38vw, 520px); overflow: hidden;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  gap: 1.2rem; padding: clamp(2rem, 6vw, 5rem); text-align: center;
  border-radius: var(--r-xl); color: #fff;
  background: radial-gradient(circle at 50% 35%, rgba(205,27,52,0.9), rgba(15,32,64,0.96) 62%);
  box-shadow: var(--shadow-hover); transition: transform .45s var(--ease), box-shadow .45s var(--ease);
}
.youtube-channel-card:hover { color: #fff; transform: translateY(-5px); box-shadow: 0 28px 70px rgba(15,32,64,0.28); }
.youtube-play { display: grid; place-items: center; width: 88px; height: 88px; border-radius: 50%; background: #fff; color: #ff0000; box-shadow: 0 18px 40px rgba(0,0,0,0.24); }
.youtube-play i { font-size: 3rem; }
.youtube-channel-copy { display: grid; justify-items: center; gap: 0.6rem; }
.youtube-channel-copy .eyebrow { color: rgba(255,255,255,0.86); }
.youtube-channel-copy .eyebrow::before { background: #fff; }
.youtube-channel-copy strong { font-family: var(--ff-head); font-size: clamp(2rem, 5vw, 4.2rem); font-weight: 500; line-height: 1.05; }
.youtube-channel-copy > span:last-child { color: rgba(255,255,255,0.78); font-size: clamp(0.95rem, 1.5vw, 1.1rem); }
.youtube-channel-action { display: inline-flex; align-items: center; gap: 0.6rem; margin-top: 0.4rem; padding: 0.8rem 1.15rem; border: 1px solid rgba(255,255,255,0.45); border-radius: var(--pill); font-size: 0.9rem; font-weight: 700; }
[data-testid="mission-vision"] {
  padding-top: clamp(2rem, 3vw, 3rem);
  padding-bottom: clamp(1.5rem, 2.5vw, 2.5rem);
}
[data-testid="mission-vision"] + [data-testid="approach"] {
  padding-top: clamp(2rem, 3vw, 3rem);
}

/* ---------- Hero ---------- */
.hero {
  position: relative; padding-top: 6.55rem; padding-bottom: 0;
  overflow: hidden;
}
.hero > .container-x { max-width: none; padding-inline: 0; }
.hero-stage {
  position: relative; width: 100%; min-height: clamp(650px, 82vh, 850px); border-radius: 0;
  overflow: hidden; display: grid; align-items: center; box-shadow: var(--shadow-hover);
}
.hero-video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(8, 20, 42, 0.36), rgba(8, 20, 42, 0.68));
}
.hero-content { position: relative; z-index: 1; width: min(1180px, calc(100% - 3rem)); margin: 0 auto; padding: clamp(2rem, 5vw, 4rem) 0; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(380px, 0.75fr); gap: clamp(2rem, 5vw, 5rem); align-items: center; }
.hero-copy { position: relative; max-width: 720px; text-align: left; }
.hero-copy .eyebrow { color: #fff; justify-content: flex-start; }
.hero-copy .eyebrow::before { background: #fff; }
.hero-copy .display, .hero-copy .display .text-accent { color: #fff; }
.reveal-mask { overflow: hidden; display: block; padding-bottom: 0.18em; }
.reveal-mask .reveal-line { display: block; transform: translateY(120%); animation: lineReveal 1s var(--ease) both; }
.hero h1 .reveal-mask:nth-child(1) .reveal-line { animation-delay: 0.15s; }
.hero h1 .reveal-mask:nth-child(2) .reveal-line { animation-delay: 0.30s; }
.hero h1 .reveal-mask:nth-child(3) .reveal-line { animation-delay: 0.45s; }
@keyframes lineReveal { from { transform: translateY(120%); } to { transform: translateY(0); } }
.hero-tag { margin-bottom: 1.6rem; }
.hero p.lead { max-width: 56ch; margin: 1.8rem 0 0; color: rgba(255,255,255,0.84); }
.hero-actions { margin-top: 2.4rem; display: flex; flex-wrap: wrap; justify-content: flex-start; gap: 1rem; }
.hero .btn-outline-x { color: #fff; border-color: rgba(255,255,255,0.55); }
.hero .btn-outline-x:hover { background: #fff; color: var(--primary); border-color: #fff; }
.hero-form-wrap { width: 100%; }
.hero-form { position: relative; padding: clamp(1.4rem, 3vw, 2rem); border-radius: var(--r-lg); background: rgba(255,255,255,0.96); box-shadow: 0 24px 70px rgba(4,14,30,0.32); backdrop-filter: blur(15px); }
.hero-form-head { margin-bottom: 1.25rem; }
.hero-form-head .eyebrow { margin-bottom: 0.6rem; }
.hero-form-head h2 { font-size: clamp(1.65rem, 2.5vw, 2.15rem); line-height: 1.1; }
.hero-form-head p { margin: 0.55rem 0 0; color: var(--muted); font-size: 0.9rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.8rem; }
.form-field { display: grid; gap: 0.35rem; margin-bottom: 0.85rem; }
.form-field label { color: var(--primary); font-size: 0.76rem; font-weight: 700; }
.form-field input, .form-field select, .form-field textarea { width: 100%; border: 1px solid var(--border); border-radius: 10px; background: #fff; color: var(--primary); padding: 0.75rem 0.85rem; font: inherit; font-size: 0.88rem; outline: none; transition: border-color .25s ease, box-shadow .25s ease; }
.form-field textarea { resize: vertical; min-height: 76px; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { border-color: var(--accent); box-shadow: 0 0 0 3px rgba(202,164,85,0.17); }
.form-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.hero-submit { width: 100%; justify-content: center; border: 0; }

.hero-visual { position: relative; }
.hero-frame {
  position: relative; border-radius: var(--r-xl); overflow: hidden;
  aspect-ratio: 4 / 5; box-shadow: var(--shadow-hover);
}
.hero-frame img { width: 100%; height: 100%; object-fit: cover; transform: scale(1.08); }
.hero-badge {
  position: absolute; bottom: -1.4rem; left: -1.4rem; background: var(--surface);
  border-radius: var(--r-lg); padding: 1.3rem 1.5rem; box-shadow: var(--shadow-hover);
  border: 1px solid var(--border); max-width: 240px;
}
.hero-badge .hb-num { font-family: var(--ff-head); font-size: 2.4rem; color: var(--accent); line-height: 1; }
.hero-badge .hb-label { font-size: 0.82rem; color: var(--muted); margin-top: 0.35rem; }
.hero-float {
  position: absolute; top: 1.6rem; right: -1rem; background: var(--primary); color: #fff;
  padding: 0.7rem 1.2rem; border-radius: var(--pill); font-size: 0.8rem; font-weight: 600;
  box-shadow: var(--shadow-hover); display: flex; align-items: center; gap: 0.5rem;
}
.hero-float .dot { width: 8px; height: 8px; border-radius: 50%; background: #34d399; box-shadow: 0 0 0 4px rgba(52,211,153,0.2); }

/* ---------- Marquee ---------- */
.marquee {
  position: relative; z-index: 2; overflow: hidden; padding-block: 1.4rem;
  border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
  background: var(--surface);
}
/* Keep the full service list moving at a comfortable reading speed. */
.marquee-track { display: flex; width: max-content; animation: marquee 95s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-item {
  font-family: var(--ff-head); font-size: clamp(1.6rem, 3vw, 2.6rem); font-style: italic;
  color: var(--primary); opacity: 0.85; padding-inline: 1.6rem; white-space: nowrap;
  display: inline-flex; align-items: center; gap: 1.6rem;
}
.marquee-item span.star { color: var(--accent); font-style: normal; font-size: 0.9em; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- About ---------- */
.about-section { overflow: hidden; }
.about-grid {
  display: grid; grid-template-columns: 1fr 0.86fr; gap: clamp(3rem, 8vw, 8rem);
  align-items: center;
}
.about-copy { max-width: 610px; }
.about-title {
  font-size: clamp(2.8rem, 5vw, 4.7rem); line-height: 1.02; margin-bottom: 1.25rem;
}
.about-subtitle { font-family: var(--ff-body); font-size: clamp(1.15rem, 2vw, 1.45rem); line-height: 1.35; margin-bottom: 1.4rem; }
.about-text { margin-bottom: 2rem; }
.about-text p { font-size: 0.98rem; line-height: 1.75; }
.about-text p:last-child { margin-bottom: 0; }
.about-visual { position: relative; width: min(100%, 510px); justify-self: end; padding-bottom: 2.5rem; }
.about-image {
  aspect-ratio: 4 / 5; overflow: hidden; border-radius: var(--r-xl);
  box-shadow: var(--shadow-hover);
}
.about-image img { width: 100%; height: 100%; object-fit: cover; }
.about-location {
  position: absolute; top: 1.4rem; right: -1rem; display: flex; align-items: center; gap: 0.55rem;
  padding: 0.7rem 1.1rem; border-radius: var(--pill); background: rgba(15,32,64,0.82);
  color: #fff; font-size: 0.78rem; font-weight: 600; box-shadow: var(--shadow-soft);
}
.about-location .dot { width: 8px; height: 8px; border-radius: 50%; background: #6ee7b7; box-shadow: 0 0 0 4px rgba(110,231,183,0.18); }
.about-badge {
  position: absolute; left: -2rem; bottom: 0; width: min(280px, 74%); padding: 1.35rem 1.5rem;
  border: 1px solid var(--border); border-radius: var(--r-lg); background: rgba(255,255,255,0.95);
  box-shadow: var(--shadow-hover); backdrop-filter: blur(12px);
}
.about-badge strong { display: block; font-family: var(--ff-head); color: var(--accent); font-size: 2rem; line-height: 1; font-weight: 500; }
.about-badge span { display: block; color: var(--muted); font-size: 0.82rem; line-height: 1.5; margin-top: 0.55rem; }

/* ---------- Stats / pillars ---------- */
.pillars-intro {
  display: grid; grid-template-columns: 0.95fr 1fr; gap: clamp(2.5rem, 7vw, 7rem);
  align-items: center; margin-bottom: clamp(1.5rem, 2.5vw, 2.5rem);
}
.pillars-intro .section-head { max-width: 52ch; margin: 0; }
.pillars-intro-image {
  width: 100%; aspect-ratio: 16 / 9; overflow: hidden; border-radius: var(--r-xl);
  box-shadow: var(--shadow-soft);
}
.pillars-intro-image img { width: 100%; height: 100%; object-fit: cover; }
.pillars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; }
.pillar {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg);
  padding: 2rem 1.8rem; transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease);
}
.pillar:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); }
.pillar .p-ic { color: var(--accent); font-size: 1.6rem; margin-bottom: 1rem; }
.pillar h4 { font-size: 1.2rem; margin-bottom: 0.5rem; }
.pillar p { font-size: 0.95rem; margin: 0; }

/* ---------- Services bento grid ---------- */
.services-intro {
  display: grid; grid-template-columns: 1fr 0.9fr; gap: clamp(2.5rem, 7vw, 7rem);
  align-items: center; margin-bottom: clamp(1.5rem, 2.5vw, 2.5rem);
}
.services-intro .section-head { max-width: 52ch; margin-bottom: 0; }
.services-intro-image {
  width: 100%; aspect-ratio: 3 / 2; overflow: hidden; border-radius: var(--r-xl);
  box-shadow: var(--shadow-soft);
}
.services-intro-image img { width: 100%; height: 100%; object-fit: cover; }
.bento { display: grid; grid-template-columns: repeat(12, 1fr); gap: 1.4rem; }
.svc-card {
  position: relative; background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--r-lg); padding: 2.2rem; overflow: hidden;
  transition: transform 0.55s var(--ease), box-shadow 0.55s var(--ease), border-color 0.4s var(--ease);
  display: flex; flex-direction: column; min-height: 220px;
}
.svc-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-hover); border-color: transparent; }
.svc-card .svc-index { font-family: var(--ff-head); font-size: 0.95rem; color: var(--accent); margin-bottom: auto; }
.svc-card h3 { font-size: 1.5rem; margin: 1.4rem 0 0.6rem; transition: color 0.3s var(--ease); }
.svc-card p { font-size: 0.94rem; margin: 0; }
.svc-card .svc-arrow {
  margin-top: 1.4rem; width: 42px; height: 42px; border-radius: 50%; border: 1px solid var(--border-strong);
  display: flex; align-items: center; justify-content: center; color: var(--primary);
  transition: background-color 0.4s var(--ease), color 0.4s var(--ease), transform 0.4s var(--ease);
}
.svc-card:hover .svc-arrow { background: var(--accent); color: #fff; border-color: var(--accent); transform: rotate(-45deg); }
.bento > .col-4 { grid-column: span 4; width: auto; }
.bento > .col-6 { grid-column: span 6; width: auto; }
.bento > .col-8 { grid-column: span 8; width: auto; }
.bento > .col-12 { grid-column: span 12; width: auto; }
.svc-card.feature { background: var(--primary); color: #fff; }
.svc-card.feature h3, .svc-card.feature .svc-index { color: #fff; }
.svc-card.feature p { color: rgba(255,255,255,0.72); }
.svc-card.feature .svc-arrow { border-color: rgba(255,255,255,0.3); color: #fff; }
.svc-card.feature:hover .svc-arrow { background: #fff; color: var(--primary); }

/* ---------- Manifesto chapters ---------- */
.chapter { display: grid; grid-template-columns: 0.4fr 1.6fr; gap: clamp(1.25rem, 2.5vw, 2.5rem); padding-block: clamp(1.25rem, 2vw, 2rem); border-top: 1px solid var(--border); }
.chapter:last-child { border-bottom: 1px solid var(--border); }
.chapter .ch-num { font-family: var(--ff-head); font-size: clamp(2.6rem, 5vw, 4.5rem); color: var(--accent); line-height: 1; }
.chapter h3 { font-size: clamp(1.5rem, 2.6vw, 2.1rem); margin-bottom: 1rem; }
.chapter p { font-size: 1.08rem; max-width: 60ch; }

/* ---------- Split feature (image + text) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 5rem); align-items: center; }
.split.rev .split-media { order: 2; }
.split-media { position: relative; border-radius: var(--r-xl); overflow: hidden; aspect-ratio: 5/6; box-shadow: var(--shadow-soft); }
.split-media img { width: 100%; height: 100%; object-fit: cover; }
.parallax-img { will-change: transform; }
.advisor-section .split-media { width: min(100%, 612px); aspect-ratio: 3 / 2; justify-self: end; }
.advisor-section .split-media img { object-position: center; }

/* ---------- Plan / product cards ---------- */
.plan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.plan-card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg);
  padding: 2rem; display: flex; flex-direction: column; height: 100%;
  transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease), border-color 0.4s var(--ease);
}
.plan-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-hover); }
.plan-card .pc-tag { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent); margin-bottom: 1rem; }
.plan-card h3 { font-size: 1.3rem; margin-bottom: 0.9rem; line-height: 1.15; }
.plan-card p { font-size: 0.95rem; margin: 0 0 1.6rem; }
.plan-card .pc-foot { margin-top: auto; display: inline-flex; align-items: center; gap: 0.5rem; font-weight: 600; color: var(--primary); font-size: 0.9rem; }
.plan-card .pc-foot .ic { transition: transform 0.4s var(--ease); color: var(--accent); }
.plan-card:hover .pc-foot .ic { transform: translateX(5px); }

/* ---------- Benefit list ---------- */
.benefit-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 1rem; }
.benefit-list li { display: flex; gap: 1rem; align-items: flex-start; }
.benefit-list li .bl-ic { flex: 0 0 auto; width: 26px; height: 26px; border-radius: 50%; background: rgba(196,30,58,0.1); color: var(--accent); display: flex; align-items: center; justify-content: center; font-size: 0.7rem; margin-top: 0.2rem; }
.benefit-list li span.txt { color: var(--muted); }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { padding-top: clamp(8rem, 12vh, 10rem); padding-bottom: clamp(1.5rem, 2.5vw, 2.5rem); position: relative; z-index: 2; }
.page-hero .breadcrumb-x { font-size: 0.85rem; color: var(--muted); margin-bottom: 1.4rem; display: flex; gap: 0.5rem; align-items: center; }
.page-hero .breadcrumb-x a:hover { color: var(--accent); }
.page-hero h1 { font-size: clamp(2.6rem, 6vw, 5rem); max-width: 18ch; }
.page-hero p.lead { max-width: 62ch; margin-top: 1.6rem; }

/* ---------- CTA band ---------- */
.cta-band {
  position: relative; z-index: 2; background: var(--primary); color: #fff; border-radius: var(--r-xl);
  padding: clamp(2rem, 3vw, 3rem); overflow: hidden;
}
.cta-band h2 { color: #fff; font-size: clamp(2rem, 4vw, 3.4rem); max-width: 20ch; }
.cta-band p { color: rgba(255,255,255,0.72); max-width: 46ch; }
.cta-band .cta-actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-top: 2rem; }
.cta-band .btn-outline-x { color: #fff; border-color: rgba(255,255,255,0.35); }
.cta-band .btn-outline-x:hover { background: #fff; color: var(--primary); border-color: #fff; }
.cta-glow { position: absolute; width: 420px; height: 420px; border-radius: 50%; background: radial-gradient(circle, rgba(196,30,58,0.35), transparent 70%); top: -120px; right: -80px; pointer-events: none; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 4vw, 3.5rem); }
.contact-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 1.8rem; display: flex; gap: 1.1rem; align-items: flex-start; transition: transform 0.5s var(--ease), box-shadow 0.5s var(--ease); }
.contact-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); }
.contact-card .cc-ic { flex: 0 0 auto; width: 48px; height: 48px; border-radius: var(--r-sm); background: rgba(15,32,64,0.05); color: var(--accent); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; }
.contact-card h4 { font-size: 1.05rem; margin-bottom: 0.3rem; font-family: var(--ff-body); font-weight: 700; }
.contact-card p, .contact-card a { font-size: 0.95rem; color: var(--muted); margin: 0; word-break: break-word; }
.contact-card a:hover { color: var(--accent); }
.map-frame { border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--shadow-soft); border: 1px solid var(--border); }
.map-frame iframe { width: 100%; height: 100%; min-height: 340px; border: 0; display: block; filter: grayscale(0.15) contrast(1.02); }

/* ---------- Footer ---------- */
.footer-x { position: relative; z-index: 2; background: var(--primary); color: rgba(255,255,255,0.7); padding-top: clamp(2.5rem, 4vw, 3.5rem); padding-bottom: 1.5rem; }
.footer-x .f-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 2rem; padding-bottom: 2rem; border-bottom: 1px solid rgba(255,255,255,0.12); }
.footer-x .f-logo { background: #fff; padding: 0.7rem 0.9rem; border-radius: var(--r-sm); display: inline-block; margin-bottom: 1.4rem; }
.footer-x .f-logo img { width: 150px; height: auto; }
.footer-x h5 { color: #fff; font-family: var(--ff-body); font-weight: 700; font-size: 0.8rem; letter-spacing: 0.16em; text-transform: uppercase; margin-bottom: 1.3rem; }
.footer-x ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.75rem; }
.footer-x ul a { font-size: 0.94rem; color: rgba(255,255,255,0.72); transition: color 0.3s var(--ease), padding-left 0.3s var(--ease); }
.footer-x ul a:hover { color: #fff; padding-left: 5px; }
.footer-x .f-desc { font-size: 0.95rem; color: rgba(255,255,255,0.62); max-width: 34ch; }
.footer-x .f-socials { display: flex; align-items: center; gap: 0.75rem; margin-top: 1.25rem; }
.footer-x .f-socials a { width: 42px; height: 42px; border: 1px solid rgba(255,255,255,0.2); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; color: #fff; font-size: 1.05rem; transition: transform 0.3s var(--ease), background-color 0.3s var(--ease), border-color 0.3s var(--ease); }
.footer-x .f-socials a:hover { background: var(--accent); border-color: var(--accent); color: #fff; transform: translateY(-3px); }
.footer-x .f-socials a:focus-visible { outline: 3px solid rgba(255,255,255,0.75); outline-offset: 3px; }
.footer-x .f-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem; padding-top: 1.8rem; font-size: 0.85rem; }
.footer-x .f-contact-line { display: flex; align-items: center; gap: 0.6rem; margin-bottom: 0.7rem; font-size: 0.94rem; }
.footer-x .f-contact-line .ic { color: var(--accent); }

/* ---------- Cookie notice ---------- */
.cookie-notice {
  position: fixed; left: 1.5rem; bottom: max(1.5rem, env(safe-area-inset-bottom)); z-index: 1051;
  width: min(420px, calc(100% - 3rem)); padding: 1.5rem;
  background: var(--surface); color: var(--text); border: 1px solid #E5E7EB;
  border-radius: 16px; box-shadow: 0 8px 28px rgba(15, 32, 64, 0.08);
  animation: cookie-notice-enter 0.3s ease-out both;
}
.cookie-notice h2 { margin: 0 0 0.65rem; font-size: 1.3rem; }
.cookie-notice p { margin: 0 0 1rem; color: var(--muted); font-size: 0.9rem; line-height: 1.6; }
.cookie-notice button { cursor: pointer; }
.cookie-notice button:focus-visible { outline: 3px solid var(--primary); outline-offset: 4px; }
@keyframes cookie-notice-enter {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}
@media (prefers-reduced-motion: reduce) {
  .cookie-notice { animation: none; }
}
@media (max-width: 600px) {
  .cookie-notice { left: 1rem; bottom: max(6.5rem, calc(env(safe-area-inset-bottom) + 5rem)); width: calc(100% - 2rem); padding: 1.25rem; }
}

/* ---------- WhatsApp FAB ---------- */
.wa-fab {
  position: fixed; bottom: 1.8rem; right: 1.8rem; z-index: 1050;
  display: inline-flex; align-items: center; justify-content: center;
  width: 58px; height: 58px; background: #25D366; color: #fff; padding: 0; border-radius: 50%;
  box-shadow: 0 14px 34px rgba(37, 211, 102, 0.4); font-weight: 700; font-size: 0.92rem;
  transition: transform 0.45s var(--ease), box-shadow 0.45s var(--ease);
}
.wa-fab:hover { transform: translateY(-4px) scale(1.03); box-shadow: 0 20px 44px rgba(37, 211, 102, 0.5); }
.wa-fab .wa-ic { font-size: 1.65rem; }

/* ---------- Reveal animations (IntersectionObserver) ---------- */
.reveal { opacity: 0; transform: translateY(38px); transition: opacity 0.9s var(--ease), transform 0.9s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal[data-delay="1"] { transition-delay: 0.08s; }
.reveal[data-delay="2"] { transition-delay: 0.16s; }
.reveal[data-delay="3"] { transition-delay: 0.24s; }
.reveal[data-delay="4"] { transition-delay: 0.32s; }

/* ---------- Utilities ---------- */
.mt-eyebrow { margin-bottom: 1.4rem; }
.section-head { max-width: 52ch; margin-bottom: clamp(1.5rem, 2.5vw, 2.5rem); }
.section-head.wide { max-width: 64ch; }
.divider-dot { width: 5px; height: 5px; border-radius: 50%; background: var(--accent); display: inline-block; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem,5vw,4rem); }
.sticky-title { position: sticky; top: 120px; }
.philosophy-image {
  width: 100%; margin-top: 2rem; aspect-ratio: 16 / 9; overflow: hidden;
  border-radius: var(--r-lg); box-shadow: var(--shadow-soft);
}
.philosophy-image img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- Responsive ---------- */
@media (max-width: 1200px) {
  .nav-links, .nav-cta .btn-x { display: none; }
  .nav-toggle { display: block; }
}
@media (max-width: 992px) {
  .hero-content { grid-template-columns: 1fr; max-width: 720px; padding-block: 3rem; }
  .about-grid { grid-template-columns: 1fr; }
  .about-visual { justify-self: center; }
  .pillars-intro { grid-template-columns: 1fr; }
  .pillars-intro-image { max-width: 680px; }
  .services-intro { grid-template-columns: 1fr; }
  .services-intro-image { max-width: 680px; }
  .pillars { grid-template-columns: repeat(2, 1fr); }
  .plan-grid { grid-template-columns: repeat(2, 1fr); }
  .split, .split.rev { grid-template-columns: 1fr; }
  .split.rev .split-media { order: 0; }
  .advisor-section .split-media { justify-self: center; }
  .contact-grid, .grid-2 { grid-template-columns: 1fr; }
  .bento > .col-4, .bento > .col-6, .bento > .col-8 { grid-column: span 6; }
  .footer-x .f-grid { grid-template-columns: 1fr 1fr; }
  .nav-links, .nav-cta .btn-x { display: none; }
  .nav-toggle { display: block; }
  .sticky-title { position: static; }
}
@media (max-width: 640px) {
  .nav-logo img { width: 120px; }
  .nav-x.scrolled .nav-logo img { width: 108px; }
  .hero { padding-top: 5.75rem; }
  .hero-stage { min-height: 620px; }
  .hero-content { width: min(100% - 1.5rem, 720px); gap: 2rem; padding-block: 2rem; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .about-title { font-size: clamp(2.6rem, 13vw, 3.8rem); }
  .about-visual { padding-bottom: 2rem; }
  .about-location { right: 0.75rem; }
  .about-badge { left: 0.75rem; }
  .pillars, .plan-grid, .bento { grid-template-columns: 1fr; }
  .bento > .col-4, .bento > .col-6, .bento > .col-8, .bento > .col-12 { grid-column: span 1; }
  .chapter { grid-template-columns: 1fr; gap: 0.8rem; }
  .footer-x .f-grid { grid-template-columns: 1fr; }
  .wa-fab { width: 54px; height: 54px; }
  .hero-badge { left: 0; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
  .reveal { opacity: 1; transform: none; }
  .reveal-mask .reveal-line { transform: none; }
}

/* Uniform heading-related banners across service detail pages. */
.service-banner {
  width: 100%;
  aspect-ratio: 16 / 7;
  overflow: hidden;
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-soft);
  background: var(--surface);
}
.service-banner img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}
.service-intro { max-width: 960px; }

/* ---------- Other general insurance topic tabs ---------- */
.insurance-page .service-banner { aspect-ratio: 24 / 5; }
.insurance-page .breadcrumb-x { flex-wrap: wrap; }
.insurance-section-head { max-width: 760px; }
.insurance-section-head p { margin: 1rem 0 0; }
.insurance-explorer { display: grid; grid-template-columns: 300px minmax(0, 1fr); gap: 1.8rem; align-items: start; }
.insurance-tab-list { display: flex; flex-direction: column; gap: 0.6rem; }
.insurance-tab {
  display: flex; align-items: center; gap: 0.85rem; padding: 1.1rem 1.15rem;
  border: 1px solid var(--border-strong); border-radius: var(--r-md);
  background: var(--surface); color: var(--primary); font-size: 0.93rem;
  font-weight: 700; line-height: 1.45; transition: background-color 0.2s, color 0.2s;
}
.insurance-tab-number { color: var(--accent); font-size: 0.75rem; letter-spacing: 0.06em; }
.insurance-tab:hover { background: #f0eee9; color: var(--primary); }
.insurance-tab[aria-selected="true"] { background: var(--primary); border-color: var(--primary); color: #fff; }
.insurance-tab[aria-selected="true"] .insurance-tab-number { color: #fff; opacity: 0.75; }
.insurance-tab:focus-visible, .insurance-panel:focus-visible { outline: 3px solid var(--accent); outline-offset: 4px; }
.insurance-panels { min-width: 0; }
.insurance-panel {
  background: var(--surface); border: 1px solid var(--border-strong);
  border-radius: var(--r-lg); padding: clamp(1.4rem, 3vw, 2.5rem);
  box-shadow: var(--shadow-soft); scroll-margin-top: 110px;
}
.insurance-panel + .insurance-panel { margin-top: 1.5rem; }
.tabs-ready .insurance-panel { margin-top: 0; }
.insurance-panel[hidden] { display: none; }
.insurance-panel .pc-tag { display: block; color: var(--accent); font-size: 0.75rem; font-weight: 800; letter-spacing: 0.13em; text-transform: uppercase; margin-bottom: 0.9rem; }
.insurance-panel h3 { font-size: clamp(1.8rem, 3vw, 2.5rem); line-height: 1.15; margin-bottom: 1.2rem; }
.insurance-summary { font-size: 1.02rem; }
.insurance-suited { font-size: 0.92rem; padding-bottom: 1.2rem; border-bottom: 1px solid var(--border); }
.insurance-suited strong { color: var(--primary); }
.insurance-panel h4 { font-family: var(--ff-body); font-size: 0.95rem; letter-spacing: 0; margin: 1.5rem 0 1rem; }
.insurance-panel .benefit-list { font-size: 0.95rem; gap: 0.85rem; }
.insurance-note { margin: 1.5rem 0; padding: 1rem 1.1rem; background: var(--bg); border-left: 3px solid var(--accent); border-radius: 0 var(--r-sm) var(--r-sm) 0; font-size: 0.88rem; }
.insurance-note strong { color: var(--primary); }
.insurance-source { font-size: 0.8rem; line-height: 1.7; }
.insurance-source a { color: var(--primary); text-decoration: underline; text-underline-offset: 3px; }
.insurance-source a:hover { color: var(--accent); }
.insurance-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem; margin-top: 1.5rem; }
.insurance-actions .btn-x { font-size: 0.9rem; padding: 0.8rem 1.2rem; }
.insurance-contact { font-size: 0.9rem; font-weight: 700; text-decoration: underline; text-underline-offset: 4px; }
.insurance-disclaimer { max-width: 95ch; margin: 1.5rem 0 0; font-size: 0.85rem; }
@media (max-width: 760px) {
  .insurance-page .service-banner { aspect-ratio: 16 / 6; }
  .insurance-explorer { grid-template-columns: minmax(0, 1fr); gap: 1.2rem; }
  .insurance-tab-list { position: relative; flex-direction: row; overflow-x: auto; padding: 0.3rem 0.3rem 0.75rem; scrollbar-width: thin; scrollbar-color: var(--primary) var(--bg); }
  .insurance-tab { flex: 0 0 auto; max-width: 240px; padding: 0.85rem 1rem; font-size: 0.88rem; }
  .insurance-panel { scroll-margin-top: 90px; }
  .insurance-actions { align-items: flex-start; }
}