/* ═══════════════════════════════════════════════════════════════
   KAVEESHA INVESTMENT SERVICES — LANDING PAGE STYLESHEET
   Premium Light Financial Services Design
   ═══════════════════════════════════════════════════════════════ */

/* ══ FORGEFLOW AGENCY TOPBAR ══ */
.ff-topbar {
  background: #0d1117;
  border-bottom: 1px solid rgba(34,197,94,.2);
  position: sticky;
  top: 0;
  z-index: 1000;
  padding: 0;
}
.ff-topbar-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 1.25rem;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.ff-topbar-left {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.ff-brand-link {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  transition: opacity 0.2s;
}
.ff-brand-link:hover { opacity: 0.85; }
.ff-logo-icon {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.ff-brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.ff-name {
  font-family: 'Rajdhani', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  color: #ffffff;
  letter-spacing: 0.08em;
}
.ff-sub {
  font-size: 0.58rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  color: #22c55e;
  text-transform: uppercase;
}
.ff-divider {
  width: 1px;
  height: 18px;
  background: rgba(255,255,255,.12);
  flex-shrink: 0;
}
.ff-role {
  font-size: 0.68rem;
  color: rgba(255,255,255,.45);
  font-weight: 400;
  white-space: nowrap;
}
.ff-topbar-right {}
.ff-site-link {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.72rem;
  font-weight: 600;
  color: #22c55e;
  text-decoration: none;
  transition: opacity 0.2s;
  letter-spacing: 0.02em;
}
.ff-site-link:hover { opacity: 0.8; }

/* Hide ff-role on very small screens */
@media (max-width: 520px) {
  .ff-role { display: none; }
  .ff-topbar-inner { height: 34px; }
}

/* \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500
   KAVEESHA BRAND LOGO \u2014 HTML/CSS Version
   Replicates the exact brand identity from the reference:
   \u2022 Navy blue ellipse oval border
   \u2022 Large K in navy serif (bold, italic feel)
   \u2022 AVEESHA in dark crimson, bold, tracked
   \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 */
.kaveesha-logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
}

.kv-oval {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  /* Exact oval border matching brand \u2014 wider than tall */
  border: 3px solid #1a2a6c;
  border-radius: 50% / 50%;
  padding: 6px 18px 6px 12px;
  min-width: 140px;
  height: 52px;
  position: relative;
  background: white;
}

/* K \u2014 large, bold, navy, serif */
.kv-k {
  font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
  font-size: 2.4rem;
  font-weight: 700;
  color: #1a2a6c;
  line-height: 1;
  display: inline-block;
  /* Slightly larger than AVEESHA to match reference */
  margin-right: 1px;
  position: relative;
  top: 1px;
}

/* AVEESHA \u2014 bold, dark crimson/maroon */
.kv-aveesha {
  font-family: 'Inter', Arial, 'Helvetica Neue', sans-serif;
  font-size: 1.35rem;
  font-weight: 800;
  color: #8b0000;
  letter-spacing: 0.06em;
  line-height: 1;
  display: inline-block;
  position: relative;
  top: 1px;
}

/* Footer variant \u2014 on dark background */
.kv-oval--footer {
  border-color: rgba(255,255,255,0.4);
  background: transparent;
  padding: 5px 16px 5px 10px;
  min-width: 120px;
  height: 46px;
}
.kv-k--footer {
  color: rgba(255,255,255,0.92);
  font-size: 2.1rem;
}
.kv-aveesha--footer {
  color: #e88880;
  font-size: 1.18rem;
}

/* Mobile \u2014 slightly smaller */
@media (max-width: 768px) {
  .kv-oval {
    min-width: 118px;
    height: 46px;
    padding: 5px 14px 5px 10px;
  }
  .kv-k { font-size: 2rem; }
  .kv-aveesha { font-size: 1.15rem; }
}

/* ── Attached Logo Images (Kaveesha & ForgeFlow) ── */
.kaveesha-logo-img {
  height: 54px;
  width: auto;
  display: block;
  object-fit: contain;
  flex-shrink: 0;
  border-radius: 4px;
}

.kaveesha-logo-img--footer {
  height: 48px;
  margin-bottom: 0.6rem;
  background: #ffffff;
  padding: 4px 8px;
  border-radius: 6px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.25);
}

.ff-logo-img {
  width: 26px;
  height: 26px;
  object-fit: contain;
  border-radius: 6px;
  display: block;
}

@media (max-width: 768px) {
  .kaveesha-logo-img {
    height: 44px;
  }
  .kaveesha-logo-img--footer {
    height: 40px;
  }
}

/* Sticky header now below ff-topbar */
/* Site header top is calculated as 36px (topbar height) in sticky stack */

/* ── DESIGN TOKENS ── */
:root {
  /* Brand Colors */
  --navy:        #1a2a6c;
  --navy-dark:   #111b4a;
  --navy-mid:    #2c3e85;
  --navy-light:  #e8ecf8;
  --red:         #c0392b;
  --red-light:   #fce8e6;
  --red-hover:   #a93226;

  /* Neutrals */
  --white:       #ffffff;
  --off-white:   #fafbfe;
  --grey-50:     #f7f8fc;
  --grey-100:    #eef0f7;
  --grey-200:    #dde0ee;
  --grey-300:    #bcc2d8;
  --grey-400:    #8d98be;
  --grey-500:    #6b778f;
  --grey-700:    #384152;
  --grey-900:    #1c2333;

  /* Semantic */
  --text-primary:   #1c2333;
  --text-secondary: #5a6478;
  --text-muted:     #8d98ae;
  --border:         #e2e6f0;
  --shadow-sm:      0 1px 3px rgba(26,42,108,.06), 0 1px 2px rgba(26,42,108,.04);
  --shadow-md:      0 4px 16px rgba(26,42,108,.10), 0 2px 6px rgba(26,42,108,.06);
  --shadow-lg:      0 12px 40px rgba(26,42,108,.14), 0 4px 12px rgba(26,42,108,.08);

  /* Spacing */
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2.5rem;
  --space-xl: 4rem;
  --space-2xl: 6rem;

  /* Typography */
  --font-sans: 'Inter', system-ui, -apple-system, sans-serif;
  --font-serif: 'Playfair Display', Georgia, serif;

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  /* Transitions */
  --transition: 0.22s cubic-bezier(0.4,0,0.2,1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  background: var(--white);
  color: var(--text-primary);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; }

/* ── LAYOUT ── */
.container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 1.25rem;
}
.container-narrow { max-width: 800px; }
.text-center { text-align: center; }
.section { padding: var(--space-xl) 0; }
.section-light { background: var(--grey-50); }

/* ── TYPOGRAPHY ── */
.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--red);
  background: var(--red-light);
  padding: 0.3rem 0.9rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
}

.section-title {
  font-family: var(--font-serif);
  font-size: clamp(1.7rem, 3.5vw, 2.5rem);
  font-weight: 700;
  color: var(--navy-dark);
  line-height: 1.22;
  margin-bottom: 1rem;
}

.section-title-left {
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700;
  color: var(--navy-dark);
  line-height: 1.25;
  margin-bottom: 1rem;
}

.section-sub {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 580px;
  margin: 0 auto 2.5rem;
  line-height: 1.7;
}

.text-center .section-title { text-align: center; }
.text-center .section-sub { text-align: center; }
.text-center .section-tag { display: block; text-align: center; }

/* ── BUTTONS ── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.875rem 1.75rem;
  background: var(--red);
  color: #fff;
  border-radius: var(--radius-full);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  box-shadow: 0 4px 14px rgba(192,57,43,.35);
  white-space: nowrap;
}
.btn-primary:hover {
  background: var(--red-hover);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(192,57,43,.45);
}
.btn-primary:active { transform: translateY(0); }

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.875rem 1.75rem;
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
  border-radius: var(--radius-full);
  font-size: 0.95rem;
  font-weight: 600;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-secondary:hover {
  background: var(--navy);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(26,42,108,.25);
}

.btn-lg { padding: 1rem 2rem; font-size: 1rem; }
.btn-full { width: 100%; justify-content: center; }
.btn-primary-sm {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.55rem 1.1rem;
  background: var(--red);
  color: #fff;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  transition: background var(--transition), transform var(--transition);
  box-shadow: 0 3px 10px rgba(192,57,43,.3);
  white-space: nowrap;
}
.btn-primary-sm:hover { background: var(--red-hover); transform: translateY(-1px); }

/* ── ACCENT ── */
.accent-red { color: var(--red); }
.accent-navy { color: var(--navy); }

/* ══════════════════════════════════════════
   HEADER / NAV
══════════════════════════════════════════ */
.site-header {
  position: sticky;
  top: 36px; /* offset below the ff-topbar */
  z-index: 900;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0.75rem 1.25rem;
  gap: 1rem;
}

/* Logo */
/* Kaveesha SVG Logo */
.kaveesha-logo-svg {
  height: 52px;
  width: auto;
  display: block;
  flex-shrink: 0;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-mark { flex-shrink: 0; }

.logo-oval {
  display: flex;
  align-items: center;
  border: 2.5px solid var(--navy);
  border-radius: 50%;
  padding: 0.3rem 1rem;
  background: white;
  min-width: 120px;
  justify-content: center;
}

.footer-logo-oval {
  display: inline-flex;
  padding: 0.25rem 0.85rem;
  min-width: 100px;
  margin-bottom: 0.6rem;
}

.logo-k {
  font-family: var(--font-serif);
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.02em;
  line-height: 1;
}
.logo-aveesha {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--red);
  letter-spacing: 0.05em;
  line-height: 1;
}

.logo-tagline-block {
  display: flex;
  flex-direction: column;
}
.logo-sub {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--grey-700);
  line-height: 1.3;
}
.logo-arn {
  font-size: 0.64rem;
  font-weight: 500;
  color: var(--grey-400);
  line-height: 1.3;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}

.nav-phone {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  transition: color var(--transition);
}
.nav-phone:hover { color: var(--red); }
.nav-phone svg { opacity: 0.7; }

/* ══════════════════════════════════════════
   HERO SECTION
══════════════════════════════════════════ */
.hero {
  padding-top: 2rem;
  padding-bottom: 0;
  background: linear-gradient(160deg, #f8f9ff 0%, #ffffff 50%, #fff5f4 100%);
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  position: relative;
}

.hero::before {
  content: '';
  position: absolute;
  top: -180px;
  right: -180px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26,42,108,.04) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 3rem 1.25rem 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  width: 100%;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  background: var(--navy-light);
  padding: 0.4rem 1rem;
  border-radius: var(--radius-full);
  margin-bottom: 1.2rem;
  border: 1px solid rgba(26,42,108,.12);
}
.badge-dot {
  width: 6px;
  height: 6px;
  background: #2ecc71;
  border-radius: 50%;
  animation: pulse-dot 2s ease-in-out infinite;
}
@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(1.25); }
}

.hero-headline {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4.5vw, 3.4rem);
  font-weight: 700;
  color: var(--navy-dark);
  line-height: 1.18;
  margin-bottom: 1.2rem;
}
.hero-headline em {
  font-style: normal;
  color: var(--red);
}

.hero-sub {
  font-size: clamp(1rem, 1.5vw, 1.12rem);
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 0.75rem;
  max-width: 480px;
}

.hero-start-small {
  font-size: 0.9rem;
  color: var(--grey-500);
  margin-bottom: 1.8rem;
}
.hero-start-small strong {
  color: var(--navy);
  font-weight: 700;
}

.hero-ctas {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

/* Trust Strip */
.trust-strip {
  display: flex;
  align-items: center;
  gap: 1.2rem;
  flex-wrap: wrap;
  padding: 1rem 1.25rem;
  background: white;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  max-width: 520px;
}
.trust-item {
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
}
.trust-number {
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--navy-dark);
  line-height: 1.2;
}
.trust-label {
  font-size: 0.67rem;
  font-weight: 500;
  color: var(--grey-500);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.trust-divider {
  width: 1px;
  height: 28px;
  background: var(--border);
}

/* Hero Visual */
.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem 0;
}

.hero-illustration {
  position: relative;
  width: 100%;
  max-width: 480px;
}

.hero-main-visual {
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: linear-gradient(145deg, #f0f4ff 0%, #e8ecfa 100%);
  border: 1px solid rgba(26,42,108,.08);
  box-shadow: var(--shadow-lg);
}

.family-svg {
  width: 100%;
  height: auto;
  display: block;
}

.hero-card-float {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 0.7rem;
  background: white;
  border-radius: var(--radius-md);
  padding: 0.65rem 0.9rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  z-index: 2;
  animation: float-card 4s ease-in-out infinite;
}
.hero-card-1 { top: 10%; left: -5%; animation-delay: 0s; }
.hero-card-2 { top: 45%; right: -8%; animation-delay: 1.5s; }
.hero-card-3 { bottom: 12%; left: 5%; animation-delay: 0.8s; }

@keyframes float-card {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

.hc-icon {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--grey-50);
  border-radius: var(--radius-sm);
  flex-shrink: 0;
}
.hc-label {
  font-size: 0.68rem;
  font-weight: 500;
  color: var(--grey-500);
  line-height: 1.2;
}
.hc-value {
  font-size: 0.9rem;
  font-weight: 800;
  color: var(--navy-dark);
  line-height: 1.2;
}

/* ══════════════════════════════════════════
   TRUST SECTION
══════════════════════════════════════════ */
.trust-section .section-title { text-align: center; }
.trust-section .section-sub { text-align: center; }
.trust-section .section-tag { display: block; text-align: center; }

.trust-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  margin-top: 1rem;
}

.trust-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition);
}
.trust-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.trust-card-accent {
  background: var(--navy-dark);
  border-color: var(--navy-dark);
  color: white;
}
.trust-card-accent .tc-icon { color: rgba(255,255,255,0.8); }
.trust-card-accent .tc-number { color: #fff; }
.trust-card-accent .tc-title { color: rgba(255,255,255,0.85); }
.trust-card-accent .tc-desc { color: rgba(255,255,255,0.65); }

.tc-icon {
  color: var(--red);
  display: flex;
  justify-content: center;
  margin-bottom: 1rem;
}
.tc-number {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--navy-dark);
  line-height: 1.1;
  margin-bottom: 0.35rem;
}
.tc-title {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--grey-700);
  margin-bottom: 0.5rem;
}
.tc-desc {
  font-size: 0.82rem;
  color: var(--grey-500);
  line-height: 1.5;
}

/* ══════════════════════════════════════════
   PROBLEM SOLUTION
══════════════════════════════════════════ */
.problem-solution .section-title { text-align: center; }
.problem-solution .section-sub { text-align: center; }
.problem-solution .section-tag { display: block; text-align: center; }

.solution-callout {
  background: linear-gradient(135deg, #e8ecf8 0%, #fff5f4 100%);
  border-left: 4px solid var(--red);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  padding: 1.5rem 2rem;
  margin-bottom: 3rem;
  text-align: left;
}
.solution-callout-label {
  display: block;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--navy-dark);
  margin-bottom: 0.5rem;
  font-family: var(--font-serif);
}
.solution-callout p {
  color: var(--text-secondary);
  font-size: 0.98rem;
  line-height: 1.65;
}

.steps-row {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items: center;
  gap: 1rem;
}

.step-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  text-align: center;
  position: relative;
}

.step-num {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  width: 28px;
  height: 28px;
  background: var(--red);
  color: white;
  border-radius: 50%;
  font-size: 0.75rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 3px 10px rgba(192,57,43,.4);
}

.step-icon {
  color: var(--navy);
  display: flex;
  justify-content: center;
  margin-bottom: 1rem;
}
.step-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 0.5rem;
  line-height: 1.35;
}
.step-card p {
  font-size: 0.84rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

.step-arrow { flex-shrink: 0; }

/* ══════════════════════════════════════════
   GOALS SECTION
══════════════════════════════════════════ */
.goals-section .section-title { text-align: center; }
.goals-section .section-sub { text-align: center; }
.goals-section .section-tag { display: block; text-align: center; }

.goals-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.goal-card {
  background: white;
  border-radius: var(--radius-lg);
  border: 2px solid var(--border);
  padding: 2rem 1.5rem;
  text-align: center;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  position: relative;
  overflow: hidden;
}

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

.goal-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.goal-card:hover::before { transform: scaleX(1); }

.goal-icon {
  width: 64px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy-light);
  border-radius: var(--radius-md);
  color: var(--navy);
  margin-bottom: 0.5rem;
  transition: background var(--transition), color var(--transition);
}
.goal-card:hover .goal-icon {
  background: var(--navy);
  color: white;
}

.goal-name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-dark);
  line-height: 1.3;
}
.goal-sub {
  font-size: 0.8rem;
  color: var(--grey-500);
  line-height: 1.4;
}
.goal-cta {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--red);
  margin-top: 0.5rem;
  opacity: 0;
  transform: translateY(4px);
  transition: opacity var(--transition), transform var(--transition);
}
.goal-card:hover .goal-cta {
  opacity: 1;
  transform: translateY(0);
}

/* ══════════════════════════════════════════
   SERVICES SECTION
══════════════════════════════════════════ */
.services-section .section-title { text-align: center; }
.services-section .section-sub { text-align: center; }
.services-section .section-tag { display: block; text-align: center; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-bottom: 2.5rem;
}
/* 5th card spans last row centered */
.services-grid .service-card:nth-child(4),
.services-grid .service-card:nth-child(5) {
  /* nothing special — let them wrap naturally */
}

.service-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
}
.service-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.service-card-featured {
  border-color: var(--navy);
  background: linear-gradient(145deg, #f0f4ff 0%, white 100%);
}

.sc-icon {
  color: var(--navy);
  margin-bottom: 1rem;
}
.service-card-featured .sc-icon { color: var(--red); }

.service-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 0.6rem;
}
.service-card p {
  font-size: 0.86rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

.sc-badge {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--red);
  background: var(--red-light);
  padding: 0.25rem 0.7rem;
  border-radius: var(--radius-full);
  margin-top: 0.75rem;
}

.services-cta-row {
  text-align: center;
}

/* ══════════════════════════════════════════
   START SMALL SECTION
══════════════════════════════════════════ */
.start-small-section {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 100%);
  padding: var(--space-xl) 0;
}

.start-small-section .section-tag {
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.9);
  border: 1px solid rgba(255,255,255,0.2);
}

.ss-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.9);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 0.4rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  margin-bottom: 1.5rem;
}

.ss-headline {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  color: white;
  line-height: 1.25;
  margin-bottom: 1rem;
}

.ss-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.65;
  margin-bottom: 0.75rem;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
}

.ss-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 2rem;
  font-style: italic;
}

.start-small-section .btn-primary {
  background: white;
  color: var(--navy-dark);
  box-shadow: 0 6px 20px rgba(0,0,0,.2);
}
.start-small-section .btn-primary:hover {
  background: var(--off-white);
  color: var(--red);
}

/* ══════════════════════════════════════════
   TRANSPARENCY
══════════════════════════════════════════ */
.transparency-section .section-title { text-align: center; }
.transparency-section .section-sub { text-align: center; }
.transparency-section .section-tag { display: block; text-align: center; }

.transparency-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1rem;
  margin-bottom: 2rem;
}

.tp-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  background: white;
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.tp-item:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.tp-check {
  width: 32px;
  height: 32px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

.tp-item h3 {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 0.25rem;
}
.tp-item p {
  font-size: 0.82rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

.market-risk-note {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  color: #78350f;
}
.market-risk-note svg { color: #d97706; flex-shrink: 0; margin-top: 0.15rem; }
.market-risk-note p { font-size: 0.84rem; line-height: 1.55; }

/* ══════════════════════════════════════════
   CALCULATOR
══════════════════════════════════════════ */
.calculator-section .section-title { text-align: center; }
.calculator-section .section-sub { text-align: center; }
.calculator-section .section-tag { display: block; text-align: center; }

.calc-card {
  background: white;
  border-radius: var(--radius-xl);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.calc-inputs {
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.calc-field { display: flex; flex-direction: column; gap: 0.5rem; }
.calc-field label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--grey-700);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.calc-amount-display {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy-dark);
  line-height: 1;
}

.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 5px;
  background: var(--grey-100);
  border-radius: var(--radius-full);
  outline: none;
  transition: background var(--transition);
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--navy);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 2px 8px rgba(26,42,108,.35);
  transition: transform var(--transition), box-shadow var(--transition);
}
.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 3px 12px rgba(26,42,108,.45);
}
.calc-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--navy);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 2px 8px rgba(26,42,108,.35);
}

.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  color: var(--grey-400);
  font-weight: 500;
}

.calc-result {
  background: var(--grey-50);
  border-top: 1px solid var(--border);
  padding: 2rem;
  text-align: center;
}
.calc-result-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.cr-item { text-align: center; }
.cr-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--grey-400);
  margin-bottom: 0.4rem;
}
.cr-value {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--navy-dark);
  line-height: 1;
}
.cr-item-accent .cr-label { color: var(--navy); }
.cr-item-accent .cr-value { color: var(--navy); font-size: 1.7rem; }
.cr-gain { color: #16a34a !important; }

.calc-disclaimer {
  font-size: 0.75rem;
  color: var(--grey-400);
  line-height: 1.55;
  margin-bottom: 1.25rem;
  font-style: italic;
}

/* ══════════════════════════════════════════
   APP / PORTFOLIO SECTION
══════════════════════════════════════════ */
.app-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.app-text p {
  font-size: 1rem;
  color: var(--text-secondary);
  margin-bottom: 1.5rem;
  line-height: 1.7;
}

.app-features {
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
  margin-bottom: 2rem;
}
.app-features li {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-primary);
}
.app-features svg { color: var(--navy); flex-shrink: 0; }

/* Phone Mockup */
.app-visual {
  display: flex;
  justify-content: center;
  padding: 2rem 0;
}

.phone-mockup {
  width: 220px;
  background: var(--grey-900);
  border-radius: 32px;
  padding: 12px;
  box-shadow: var(--shadow-lg), inset 0 0 0 1px rgba(255,255,255,.08);
  position: relative;
}
.phone-screen {
  background: white;
  border-radius: 24px;
  overflow: hidden;
  min-height: 380px;
}
.phone-header {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 10px 14px 0;
}
.ph-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}
.ph-dot-red { background: #ff5f57; }
.ph-dot-amber { background: #ffbd2e; }
.ph-dot-green { background: #28c840; }

.phone-content { padding: 0.9rem 1rem 1rem; }
.pc-brand {
  font-size: 0.68rem;
  font-weight: 900;
  letter-spacing: 0.1em;
  color: var(--navy);
  margin-bottom: 0.5rem;
}
.pc-portfolio-label {
  font-size: 0.72rem;
  color: var(--grey-400);
  font-weight: 500;
  margin-bottom: 0.2rem;
}
.pc-total {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--navy-dark);
  margin-bottom: 0.3rem;
  line-height: 1;
}
.pc-gain-badge {
  display: inline-block;
  background: #dcfce7;
  color: #16a34a;
  font-size: 0.68rem;
  font-weight: 700;
  padding: 0.2rem 0.55rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.75rem;
}
.pc-chart {
  display: flex;
  align-items: flex-end;
  gap: 5px;
  height: 70px;
  margin-bottom: 0.75rem;
  background: var(--grey-50);
  border-radius: var(--radius-sm);
  padding: 8px;
}
.pc-bar {
  flex: 1;
  background: var(--navy-light);
  border-radius: 3px 3px 0 0;
  transition: height 0.3s;
}
.pc-bar-accent { background: var(--navy); }

.pc-funds { display: flex; flex-direction: column; gap: 0.45rem; }
.pc-fund-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.pc-fund-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}
.pc-fund-name { font-size: 0.67rem; color: var(--grey-700); flex: 1; }
.pc-fund-val { font-size: 0.7rem; font-weight: 700; color: var(--navy-dark); }

/* ══════════════════════════════════════════
   LEAD FORM
══════════════════════════════════════════ */
.lead-form-section {
  background: linear-gradient(160deg, #f8f9ff 0%, #fff5f4 100%);
}
.lead-form-section .section-title { text-align: center; }
.lead-form-section .section-sub { text-align: center; }
.lead-form-section .section-tag { display: block; text-align: center; }

.lead-form-card {
  background: white;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 2.5rem;
  border: 1px solid var(--border);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-bottom: 1.25rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.form-group label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--grey-700);
}

.form-group input,
.form-group select {
  padding: 0.8rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  color: var(--text-primary);
  background: white;
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  -webkit-appearance: none;
  appearance: none;
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236b778f' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 2.5rem;
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(26,42,108,.1);
}
.form-group input::placeholder { color: var(--grey-300); }
.form-group input.error,
.form-group select.error { border-color: var(--red); }

.field-error {
  font-size: 0.75rem;
  color: var(--red);
  font-weight: 500;
  min-height: 16px;
  display: block;
}

.form-privacy-note {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.78rem;
  color: var(--grey-400);
  margin-top: 1rem;
  text-align: center;
  justify-content: center;
}

/* Form success */
.form-success-state {
  text-align: center;
  padding: 3rem 2rem;
}
.success-icon {
  display: flex;
  justify-content: center;
  margin-bottom: 1.25rem;
}
.form-success-state h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 0.75rem;
}
.form-success-state p {
  color: var(--text-secondary);
  line-height: 1.65;
}

/* ══════════════════════════════════════════
   TESTIMONIALS
══════════════════════════════════════════ */
.testimonials-section .section-title { text-align: center; }
.testimonials-section .section-tag { display: block; text-align: center; }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-bottom: 1rem;
}

.testimonial-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.tc-stars {
  font-size: 0.9rem;
  color: #f59e0b;
  letter-spacing: 0.05em;
  margin-bottom: 0.75rem;
}
.testimonial-card blockquote {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 1.25rem;
  font-style: italic;
  quotes: none;
}
.tc-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.tc-avatar {
  width: 38px;
  height: 38px;
  background: var(--navy-light);
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1rem;
  flex-shrink: 0;
}
.tc-name { font-size: 0.88rem; font-weight: 700; color: var(--navy-dark); }
.tc-location { font-size: 0.76rem; color: var(--grey-400); }

.testimonials-note {
  font-size: 0.72rem;
  color: var(--grey-400);
  text-align: center;
  font-style: italic;
  margin-top: 1rem;
}

/* ══════════════════════════════════════════
   OFFICES
══════════════════════════════════════════ */
.offices-section {
  background: linear-gradient(160deg, #f8f9ff 0%, #fafbfe 100%);
}
.offices-section .section-title { text-align: center; }
.offices-section .section-tag { display: block; text-align: center; }

.offices-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.office-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 2rem 1.5rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: transform var(--transition), box-shadow var(--transition);
}
.office-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
.office-card-head {
  border-top: 3px solid var(--navy);
}

.oc-badge {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: white;
  background: var(--navy);
  padding: 0.25rem 0.7rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
}
.oc-badge-secondary {
  background: var(--grey-500);
}
.oc-badge-contact {
  background: var(--red);
}

.oc-icon {
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.office-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 0.6rem;
}
.oc-role {
  font-size: 0.82rem;
  color: var(--grey-500);
  line-height: 1.5;
  margin-bottom: 0.75rem;
}
.oc-address {
  font-size: 0.84rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 1rem;
}

.oc-phones {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  margin-bottom: 0.75rem;
}
.oc-phone {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  transition: color var(--transition);
  text-decoration: none;
}
.oc-phone:hover { color: var(--red); }
.oc-phone svg { flex-shrink: 0; }

.oc-directions {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--red);
  transition: opacity var(--transition);
}
.oc-directions:hover { opacity: 0.75; }

/* ══════════════════════════════════════════
   FINAL CTA SECTION
══════════════════════════════════════════ */
.final-cta-section {
  background: white;
  padding: var(--space-2xl) 0;
}

.final-cta-headline {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4.5vw, 3.2rem);
  font-weight: 700;
  color: var(--navy-dark);
  line-height: 1.18;
  margin-bottom: 1rem;
}

.final-cta-sub {
  font-size: 1.05rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}

.final-cta-btns {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}

.final-risk-note {
  font-size: 0.75rem;
  color: var(--grey-400);
  font-style: italic;
  max-width: 500px;
  margin: 0 auto;
  line-height: 1.55;
}

/* ══════════════════════════════════════════
   FOOTER
══════════════════════════════════════════ */
.site-footer {
  background: var(--grey-900);
  color: rgba(255,255,255,0.85);
}

.footer-top { padding: 4rem 0 2.5rem; }

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1.2fr 1.2fr 1.8fr;
  gap: 2.5rem;
}

.footer-col h4 {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.55);
  margin-bottom: 1rem;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}
.footer-col ul li a {
  font-size: 0.86rem;
  color: rgba(255,255,255,0.7);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: white; }

.footer-brand-name {
  font-size: 0.9rem;
  font-weight: 700;
  color: rgba(255,255,255,0.9);
  line-height: 1.4;
  margin-bottom: 0.5rem;
}
.footer-arn {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.5;
  margin-bottom: 1rem;
}

.footer-logo .logo-oval {
  border-color: rgba(255,255,255,0.3);
  background: transparent;
}
.footer-logo .logo-k { color: rgba(255,255,255,0.9); }
.footer-logo .logo-aveesha { color: #e88880; }

.footer-socials {
  display: flex;
  gap: 0.75rem;
  margin-top: 1rem;
}
.footer-socials a {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  transition: all var(--transition);
}
.footer-socials a:hover {
  background: rgba(255,255,255,0.15);
  color: white;
  transform: translateY(-2px);
}

.footer-legal {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1.5rem 0 2rem;
}

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 2rem;
  margin-bottom: 1.25rem;
}
.footer-legal-links a {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  transition: color var(--transition);
}
.footer-legal-links a:hover { color: rgba(255,255,255,0.85); }

.footer-disclaimer {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  margin-bottom: 1.5rem;
}
.footer-disclaimer p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
}

.footer-bottom-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.footer-bottom-row p {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
}
.footer-powered {
  font-size: 0.73rem !important;
  color: rgba(255,255,255,0.25) !important;
}
.ff-brand {
  color: rgba(255,255,255,0.4);
  font-weight: 700;
}

/* ══════════════════════════════════════════
   CHATBOT
══════════════════════════════════════════ */
.chatbot-fab {
  position: fixed;
  bottom: 28px;
  right: 24px;
  z-index: 800;
  cursor: pointer;
  user-select: none;
}

.fab-inner {
  width: 58px;
  height: 58px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: 0 6px 24px rgba(26,42,108,.45);
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
  position: relative;
}
.chatbot-fab:hover .fab-inner {
  transform: scale(1.08) translateY(-2px);
  box-shadow: 0 10px 32px rgba(26,42,108,.5);
  background: var(--navy-mid);
}

.fab-badge {
  position: absolute;
  top: -6px;
  right: -2px;
  background: var(--red);
  color: white;
  font-size: 0.6rem;
  font-weight: 800;
  padding: 0.18rem 0.45rem;
  border-radius: var(--radius-full);
  border: 2px solid white;
  animation: bounce-badge 2.5s ease-in-out infinite;
}
@keyframes bounce-badge {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.12); }
}

.fab-tooltip {
  position: absolute;
  right: calc(100% + 12px);
  top: 50%;
  transform: translateY(-50%);
  white-space: nowrap;
  background: var(--navy-dark);
  color: white;
  font-size: 0.78rem;
  font-weight: 600;
  padding: 0.4rem 0.85rem;
  border-radius: var(--radius-full);
  pointer-events: none;
  opacity: 0;
  transition: opacity var(--transition);
}
.fab-tooltip::after {
  content: '';
  position: absolute;
  right: -6px;
  top: 50%;
  transform: translateY(-50%);
  border: 6px solid transparent;
  border-left-color: var(--navy-dark);
  border-right: none;
}
.chatbot-fab:hover .fab-tooltip { opacity: 1; }

/* Chatbot Overlay */
.chatbot-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 1000;
  align-items: flex-end;
  justify-content: flex-end;
  padding: 1rem;
}
.chatbot-overlay.open {
  display: flex;
}

.chatbot-panel {
  width: 380px;
  max-height: 85vh;
  background: white;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(26,42,108,.08);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  animation: panel-slide-up 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

@keyframes panel-slide-up {
  from { transform: translateY(40px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}

.chatbot-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.1rem 1.25rem;
  background: var(--navy-dark);
  color: white;
  flex-shrink: 0;
}

.chatbot-brand { display: flex; align-items: center; gap: 0.75rem; }

.chatbot-avatar {
  width: 38px;
  height: 38px;
  background: rgba(255,255,255,.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.9);
}

.chatbot-name {
  font-size: 0.9rem;
  font-weight: 700;
  color: white;
  line-height: 1.2;
}
.chatbot-status {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.72rem;
  color: rgba(255,255,255,.6);
}
.status-dot {
  width: 7px;
  height: 7px;
  background: #2ecc71;
  border-radius: 50%;
  animation: pulse-dot 2s ease-in-out infinite;
}

.chatbot-close {
  color: rgba(255,255,255,.7);
  cursor: pointer;
  padding: 0.35rem;
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
}
.chatbot-close:hover {
  color: white;
  background: rgba(255,255,255,.1);
}

.chatbot-messages {
  flex: 1;
  overflow-y: auto;
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  scroll-behavior: smooth;
}
.chatbot-messages::-webkit-scrollbar { width: 4px; }
.chatbot-messages::-webkit-scrollbar-track { background: transparent; }
.chatbot-messages::-webkit-scrollbar-thumb { background: var(--grey-200); border-radius: 4px; }

/* Message bubbles */
.msg {
  display: flex;
  gap: 0.65rem;
  animation: msg-in 0.25s ease-out;
}
@keyframes msg-in {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.msg-avatar {
  width: 28px;
  height: 28px;
  background: var(--navy-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
  margin-top: 2px;
}

.msg-bubble {
  max-width: 82%;
  padding: 0.75rem 1rem;
  border-radius: 0 var(--radius-md) var(--radius-md) var(--radius-md);
  font-size: 0.875rem;
  line-height: 1.55;
  background: var(--grey-50);
  color: var(--text-primary);
  border: 1px solid var(--border);
}

.msg.user { flex-direction: row-reverse; }
.msg.user .msg-bubble {
  background: var(--navy-dark);
  color: white;
  border-color: var(--navy-dark);
  border-radius: var(--radius-md) 0 var(--radius-md) var(--radius-md);
}

.typing-indicator {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 0.75rem 1rem;
}
.typing-dot {
  width: 7px;
  height: 7px;
  background: var(--grey-300);
  border-radius: 50%;
  animation: typing 1.2s ease-in-out infinite;
}
.typing-dot:nth-child(2) { animation-delay: 0.2s; }
.typing-dot:nth-child(3) { animation-delay: 0.4s; }
@keyframes typing {
  0%, 100% { transform: translateY(0); opacity: 0.4; }
  50% { transform: translateY(-5px); opacity: 1; }
}

/* Quick Replies */
.chatbot-quick-replies {
  padding: 0.75rem 1.25rem 1rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  border-top: 1px solid var(--border);
  flex-shrink: 0;
}

.qr-btn {
  padding: 0.5rem 0.9rem;
  background: white;
  color: var(--navy);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.qr-btn:hover {
  border-color: var(--navy);
  background: var(--navy-light);
  transform: translateY(-1px);
}
.qr-btn:active { transform: translateY(0); }

/* Chatbot Input */
.chatbot-input-area {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1rem;
  border-top: 1px solid var(--border);
  flex-shrink: 0;
}
.chatbot-input {
  flex: 1;
  padding: 0.65rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-full);
  font-size: 0.875rem;
  outline: none;
  transition: border-color var(--transition);
  color: var(--text-primary);
}
.chatbot-input:focus { border-color: var(--navy); }
.chatbot-send {
  width: 38px;
  height: 38px;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  flex-shrink: 0;
  transition: background var(--transition), transform var(--transition);
}
.chatbot-send:hover {
  background: var(--navy-mid);
  transform: scale(1.08);
}

/* ══════════════════════════════════════════
   STICKY MOBILE CTA
══════════════════════════════════════════ */
.sticky-mobile-cta {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 700;
  background: white;
  border-top: 1px solid var(--border);
  padding: 0.75rem 1rem;
  gap: 0.75rem;
  box-shadow: 0 -4px 16px rgba(26,42,108,.1);
}
.sticky-mobile-cta button,
.sticky-mobile-cta a {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.75rem;
  border-radius: var(--radius-full);
  font-size: 0.88rem;
  font-weight: 700;
  transition: all var(--transition);
}
.sticky-mobile-cta button {
  background: var(--navy-dark);
  color: white;
  border: none;
  cursor: pointer;
}
.sticky-mobile-cta button:hover { background: var(--navy-mid); }
.sticky-mobile-cta a {
  background: var(--red-light);
  color: var(--red);
  border: 2px solid var(--red);
  text-decoration: none;
}
.sticky-mobile-cta a:hover { background: var(--red); color: white; }

/* ══════════════════════════════════════════
   RESPONSIVE — TABLET
══════════════════════════════════════════ */
@media (max-width: 1024px) {
  .trust-cards {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 2rem;
    padding-bottom: 2rem;
  }
  .hero-visual { display: none; }
  .trust-strip { max-width: 100%; }
  .hero { min-height: auto; padding-bottom: 3rem; }
  .steps-row {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  .step-arrow { display: none; }
  .app-content {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  .app-visual { order: -1; }
}

/* ══════════════════════════════════════════
   RESPONSIVE — MOBILE
══════════════════════════════════════════ */
@media (max-width: 768px) {
  :root {
    --space-xl: 3rem;
    --space-2xl: 4rem;
  }

  .nav-phone { display: none; }
  .logo-tagline-block { display: none; }

  .hero { padding-top: 72px; }

  .goals-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .services-grid {
    grid-template-columns: 1fr;
  }
  .trust-cards {
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
  }
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
  .offices-grid {
    grid-template-columns: 1fr;
  }
  .trust-strip {
    gap: 0.8rem;
  }
  .trust-divider { height: 20px; }
  .form-row {
    grid-template-columns: 1fr;
  }
  .lead-form-card { padding: 1.5rem 1.25rem; }
  .calc-result-row {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }
  .cr-item-accent { order: -1; }
  .final-cta-btns { flex-direction: column; align-items: center; }
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .hero-ctas { flex-direction: column; align-items: flex-start; }
  .hero-ctas .btn-primary,
  .hero-ctas .btn-secondary { width: 100%; justify-content: center; }

  /* Chatbot full screen on mobile */
  .chatbot-overlay {
    align-items: flex-end;
    justify-content: center;
    padding: 0;
    background: rgba(0,0,0,.3);
  }
  .chatbot-panel {
    width: 100%;
    max-height: 90vh;
    border-radius: var(--radius-xl) var(--radius-xl) 0 0;
  }

  .chatbot-fab {
    bottom: 90px;
    right: 16px;
  }
  .sticky-mobile-cta { display: flex; }

  /* Hide FAB tooltip on mobile */
  .fab-tooltip { display: none; }

  .footer-legal-links { gap: 0.75rem 1.5rem; }
  .footer-bottom-row { flex-direction: column; align-items: flex-start; gap: 0.25rem; }
}

@media (max-width: 480px) {
  .goals-grid { grid-template-columns: 1fr; }
  .trust-strip {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem;
  }
  .trust-divider { display: none; }
  .trust-item { align-items: center; text-align: center; }
  .hero-badge { font-size: 0.65rem; padding: 0.35rem 0.8rem; }
  .trust-cards { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════════════
   SCROLL REVEAL ANIMATION
   NOTE: Elements are always visible. The animation is purely cosmetic.
══════════════════════════════════════════ */
.reveal {
  /* Always visible — animation is purely additive */
  opacity: 1;
  transform: translateY(0);
  transition: none;
}
/* When JS marks an element for animation, it first sets animated class */
.reveal.animate-in {
  animation: revealUp 0.55s ease both;
}
@keyframes revealUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1.animate-in { animation-delay: 0.1s; }
.reveal-delay-2.animate-in { animation-delay: 0.2s; }
.reveal-delay-3.animate-in { animation-delay: 0.3s; }

@media (prefers-reduced-motion: reduce) {
  .reveal.animate-in { animation: none; }
}


/* ══════════════════════════════════════════
   UTILITY
══════════════════════════════════════════ */
.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border-width: 0;
}

/* Focus visible */
:focus-visible {
  outline: 2px solid var(--navy);
  outline-offset: 3px;
  border-radius: 4px;
}

/* Print / PDF — ensure everything is visible */
@media print {
  .site-header, .chatbot-fab, .chatbot-overlay,
  .sticky-mobile-cta, .hero-card-float,
  .ff-topbar { display: none !important; }

  /* Force all animated elements to be fully visible */
  .reveal, .reveal.visible, .reveal.animate-in {
    opacity: 1 !important;
    transform: none !important;
    animation: none !important;
    transition: none !important;
  }

  /* Ensure grids don't collapse */
  .goals-grid { grid-template-columns: repeat(3, 1fr) !important; }
  .services-grid { grid-template-columns: repeat(3, 1fr) !important; }
  .trust-cards { grid-template-columns: repeat(4, 1fr) !important; }
  .testimonials-grid { grid-template-columns: repeat(3, 1fr) !important; }
  .offices-grid { grid-template-columns: repeat(3, 1fr) !important; }

  body { font-size: 12px; }
}