:root{
  --navy:#0f2550;--navy2:#1b3a73;--navy3:#0a1a3a;--gold:#b8923a;--gold2:#e2c36b;--gold-soft:#f6edd5;
  --cream:#faf7f0;--ink:#16203a;--mute:#5b6478;--line:#e9e4d6;--r:16px;
  --shadow:0 10px 30px rgba(15,37,80,.08);--shadow-lg:0 24px 50px rgba(15,37,80,.16);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.65 "Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy2)}
.wrap{width:min(1200px,100% - 32px);margin-inline:auto}
h1,h2,h3,h4{line-height:1.18;color:var(--navy);margin:0 0 .55em;font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,3.2vw,2.4rem)}
p{margin:0 0 1em}

/* ---------- top bar & header ---------- */
.topbar{background:var(--navy3);color:#c9d3e8;font-size:.82rem}
.topbar .wrap{display:flex;gap:1rem;justify-content:space-between;align-items:center;padding:.45rem 0;flex-wrap:wrap}
.topbar a{color:#dfe6f5;text-decoration:none;margin-left:1.2rem}.topbar a:hover{color:var(--gold2)}
.pill{border:1px solid rgba(226,195,107,.45);color:var(--gold2);border-radius:999px;padding:.12rem .7rem;font-weight:600;font-size:.75rem;letter-spacing:.02em}
.site-header{position:sticky;top:0;z-index:50;background:#fff;transition:box-shadow .25s;border-bottom:1px solid var(--line)}
.site-header.scrolled{box-shadow:0 6px 24px rgba(15,37,80,.10)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:76px}
/* Logo is larger at the top of the page and settles to its compact size once scrolled. */
.brand img{height:104px;width:auto;transition:height .35s ease}
.site-header.scrolled .brand img{height:70px}
.menu>ul{list-style:none;display:flex;gap:.15rem;margin:0;padding:0;align-items:center}
.menu li{position:relative}
.menu>ul>li>a{display:flex;align-items:center;gap:.35rem;padding:.65rem .95rem;color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem;border-radius:10px}
.menu>ul>li:hover>a,.menu>ul>li.active>a{color:var(--gold);background:var(--cream)}
.menu .login>a{background:var(--navy)!important;color:#fff!important;margin-left:.5rem}
.menu .login>a:hover{background:var(--navy2)!important}
.chev{transition:transform .2s}.menu li:hover .chev{transform:rotate(180deg)}
.sub{position:absolute;left:0;top:calc(100% + 6px);min-width:270px;background:#fff;list-style:none;margin:0;padding:.55rem;border-radius:var(--r);box-shadow:var(--shadow-lg);border:1px solid var(--line);opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s}
.sub:before{content:"";position:absolute;left:0;right:0;top:-10px;height:10px}
.sub.mega{display:grid;grid-template-columns:1fr 1fr;min-width:520px}
.menu li:hover>.sub,.menu li:focus-within>.sub{opacity:1;visibility:visible;transform:none}
.sub a{display:flex;align-items:center;gap:.7rem;padding:.55rem .7rem;color:var(--ink);text-decoration:none;font-weight:500;font-size:.93rem;border-radius:10px}
.sub a:hover{background:var(--cream);color:var(--navy)}
.si{flex:none;width:34px;height:34px;border-radius:9px;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center}.si svg{width:18px;height:18px}
.menu li.login .sub{left:auto;right:0;min-width:200px}
.burger{display:none;background:none;border:0;padding:10px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.25s}
.nav-open .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-open .burger span:nth-child(2){opacity:0}.nav-open .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 1.6rem;border-radius:12px;font:inherit;font-weight:700;font-size:.95rem;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .2s,box-shadow .2s,background .2s}
.btn.gold{background:linear-gradient(135deg,#c9a24a,var(--gold2));color:#1d1504;box-shadow:0 8px 20px rgba(184,146,58,.3)}
.btn.navy{background:var(--navy);color:#fff}.btn.navy:hover{background:var(--navy2)}
.btn.ghost{border-color:rgba(255,255,255,.55);color:#fff}.btn.ghost:hover{background:rgba(255,255,255,.1)}
.btn.sm{padding:.5rem 1rem;font-size:.85rem}
.btn:hover{transform:translateY(-2px)}

/* ---------- hero helpers ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:.55rem;background:rgba(255,255,255,.07);border:1px solid rgba(226,195,107,.35);color:var(--gold2);padding:.4rem .9rem;border-radius:999px;font-size:.8rem;font-weight:600;letter-spacing:.02em;margin-bottom:1.4rem}
.dot{width:8px;height:8px;border-radius:50%;background:#3ddc84;box-shadow:0 0 0 4px rgba(61,220,132,.2)}
.hero-sub{color:#c9d3e8;font-size:1.12rem;max-width:540px}
.cta{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.8rem}
.float-card{position:absolute;background:#fff;color:var(--ink);border-radius:14px;padding:.8rem 1rem;box-shadow:0 18px 40px rgba(0,0,0,.28);z-index:2}
.float-card small{display:block;color:var(--mute);font-size:.72rem}.float-card b{font-size:1.25rem;color:var(--navy)}
.shield{width:40px;height:40px;border-radius:10px;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center}

/* ---------- stats band ---------- */
.stats-band{position:relative;margin-top:-3.6rem;z-index:3}
.stats{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:20px;box-shadow:var(--shadow-lg);border:1px solid var(--line)}
.stats>div{padding:1.6rem;text-align:center;border-right:1px solid var(--line)}.stats>div:last-child{border:0}
.stats b{display:block;font-size:2rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}.stats span{color:var(--mute);font-size:.9rem}
.stats.inline{margin-top:2.5rem;box-shadow:var(--shadow)}

/* ---------- sections ---------- */
.sec{padding:5rem 0}.sec.alt{background:var(--cream)}
.head{text-align:center;max-width:680px;margin:0 auto 2.8rem}.head p{color:var(--mute)}
.kicker{display:inline-block;color:var(--gold);font-weight:700;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:.6rem}.kicker.light{color:var(--gold2)}
/* 3 cards per row (2 on tablets, 1 on phones); an incomplete last row is centred. */
.svc-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:1.5rem;margin-top:2rem}
.svc-grid>.svc{flex:0 1 calc((100% - 3rem) / 3)}
.head+.svc-grid{margin-top:0}
@media(max-width:960px){.svc-grid>.svc{flex-basis:calc((100% - 1.5rem) / 2)}}
@media(max-width:600px){.svc-grid>.svc{flex-basis:100%}}
.svc{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;text-decoration:none;color:var(--ink);transition:.3s;display:flex;flex-direction:column}
.svc:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
.svc-img{position:relative;aspect-ratio:16/11;background:var(--cream)}
.svc-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%}
.svc-img:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 50%,rgba(15,37,80,.45))}
.svc-ico{position:absolute;left:18px;bottom:-24px;z-index:1;width:52px;height:52px;border-radius:14px;background:var(--navy);color:var(--gold2);display:grid;place-items:center;box-shadow:0 8px 18px rgba(15,37,80,.3);border:3px solid #fff}
.svc-body{padding:2.1rem 1.4rem 1.4rem;display:flex;flex-direction:column;flex:1}
.svc h3{font-size:1.12rem;margin-bottom:.35rem}.svc p{color:var(--mute);font-size:.93rem;flex:1}
.more{color:var(--gold);font-weight:700;font-size:.9rem}.svc:hover .more{color:var(--navy)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}
.split-img{position:relative}.split-img img{border-radius:24px;width:100%;aspect-ratio:4/3;object-fit:cover;box-shadow:var(--shadow-lg)}
.badge-exp{position:absolute;right:-18px;bottom:-18px;background:linear-gradient(135deg,#c9a24a,var(--gold2));border-radius:18px;padding:1.1rem 1.4rem;box-shadow:var(--shadow-lg);text-align:center}
.badge-exp b{display:block;font-size:2rem;color:var(--navy3)}.badge-exp span{font-size:.85rem;font-weight:600;color:var(--navy3)}
ul.ticks{list-style:none;padding:0;margin:1.2rem 0 1.8rem}
ul.ticks li{position:relative;padding-left:2rem;margin:.7rem 0}
ul.ticks li:before{content:"";position:absolute;left:0;top:.2rem;width:20px;height:20px;border-radius:50%;background:var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23b8923a' stroke-width='3'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/12px no-repeat}
.prod-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:1rem}
.prod{display:flex;gap:1rem;align-items:center;padding:1.15rem 1.2rem;border:1px solid var(--line);border-radius:16px;text-decoration:none;color:var(--ink);background:#fff;transition:.25s}
.prod:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-3px)}
.prod-ico{flex:none;width:54px;height:54px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2);display:grid;place-items:center}
.prod b{display:block;color:var(--navy)}.prod small{color:var(--mute);font-size:.86rem;line-height:1.4;display:block}


/* ---------- logos scroller ---------- */
.partners{padding-bottom:4rem}
.scroller{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.track{display:flex;gap:1.1rem;width:max-content;animation:scroll 60s linear infinite;padding:.6rem 0}
.scroller:hover .track{animation-play-state:paused}
.logo-tile{flex:none;width:190px;height:92px;display:grid;place-items:center;background:#fff;border:1px solid var(--line);border-radius:14px;padding:.8rem 1.1rem;transition:.25s}
.logo-tile img{max-height:52px;max-width:100%;width:auto;object-fit:contain;transition:transform .25s}
.logo-tile:hover{box-shadow:var(--shadow);border-color:var(--gold)}.logo-tile:hover img{transform:scale(1.06)}
@keyframes scroll{to{transform:translateX(calc(-50% - .55rem))}}

/* ---------- reviews ---------- */
.rev-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}
.review{margin:0;background:#fff;border-radius:20px;padding:2rem;box-shadow:var(--shadow);position:relative;border:1px solid var(--line)}
.review .q{position:absolute;right:1.5rem;top:1.4rem;color:var(--gold-soft)}
.stars{color:#f0b429;letter-spacing:2px}
.review blockquote{margin:.8rem 0 1.4rem;color:#374058}
.review figcaption{display:flex;gap:.8rem;align-items:center}
.av{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2);display:grid;place-items:center;font-weight:800}
.review figcaption b{display:block;color:var(--navy)}.review figcaption small{color:var(--mute)}

/* ---------- CTA band ---------- */
.cta-band{border-radius:28px;padding:3.5rem;display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap;color:#dfe6f5;background-size:cover;background-position:center}
.cta-band h2{color:#fff;margin-bottom:.3em;max-width:560px}.cta-band .cta{margin:0}

/* ---------- inner pages ---------- */
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy2));background-size:cover;background-position:center;color:#fff;padding:4.5rem 0 4rem}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.4vw,3rem);margin:.4rem 0 .3em}.page-hero p{margin:0;color:#c9d3e8;font-size:1.1rem;max-width:620px}
.crumbs{font-size:.85rem;color:#a9b6d3}.crumbs a{color:var(--gold2);text-decoration:none}
.with-side{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:3rem;align-items:start}
.page-img{width:100%;aspect-ratio:16/8;object-fit:cover;border-radius:20px;margin-bottom:2rem;box-shadow:var(--shadow)}
.content{max-width:820px}.content h2{font-size:1.5rem;margin-top:1.6em}
.content .lead{font-size:1.15rem;color:#374058}
.content ol.steps{list-style:none;counter-reset:s;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:1rem}
.content ol.steps li{counter-increment:s;background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:1.2rem;font-size:.92rem;color:var(--mute)}
.content ol.steps li:before{content:"0" counter(s);display:block;font-weight:800;font-size:1.5rem;color:var(--gold);margin-bottom:.3rem}
.content ol.steps b{display:block;color:var(--navy);font-size:1rem}
.side{position:sticky;top:100px;display:grid;gap:1.2rem}
.side-box{background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.4rem;box-shadow:var(--shadow)}
.side-box ul{list-style:none;padding:0;margin:0}
.side-box li a{display:flex;align-items:center;gap:.7rem;padding:.55rem .6rem;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.93rem}
.side-box li a:hover,.side-box li.on a{background:var(--cream);color:var(--navy);font-weight:700}
.cta-box{background:linear-gradient(160deg,var(--navy),var(--navy3));color:#c9d3e8;border:0}.cta-box h4{color:#fff}
.side-tel{display:block;margin-top:1rem;color:var(--gold2);text-decoration:none;font-weight:700}

/* ---------- contact & forms ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:2.5rem;align-items:start}
.info-cards{display:grid;gap:1rem}
.info{display:flex;gap:1rem;background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:1.2rem}
.info p{margin:.2rem 0 0;color:var(--mute)}.info b{color:var(--navy)}
.ii{flex:none;width:46px;height:46px;border-radius:12px;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-size:1.2rem}
.map{width:100%;height:240px;border:0;border-radius:16px}
.card-form{background:#fff;border:1px solid var(--line);border-radius:24px;padding:2rem;box-shadow:var(--shadow-lg)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form label,.adm label{display:block;font-weight:600;margin-bottom:1rem;font-size:.9rem;color:var(--navy)}
input,textarea,select{width:100%;padding:.75rem .9rem;border:1.5px solid #ddd6c4;border-radius:12px;font:inherit;margin-top:.35rem;background:#fff;color:var(--ink)}
input:focus,textarea:focus,select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(184,146,58,.15)}
input[type=checkbox]{width:auto}
.ok{background:#e7f6ec;border:1px solid #9bd3ac;padding:.8rem 1rem;border-radius:12px;margin-bottom:1rem}
.err{background:#fdecec;border:1px solid #f0a8a8;padding:.8rem 1rem;border-radius:12px;margin-bottom:1rem}

/* ---------- disclaimer & footer ---------- */
.disclaimer{background:#fff8e6;border-top:1px solid #f0dca6;padding:1.1rem 0;font-size:.9rem;color:#6b5110}
.disclaimer .wrap{display:flex;gap:.8rem;align-items:flex-start;justify-content:center}.disclaimer svg{flex:none;color:var(--gold);margin-top:.15rem}.disclaimer p{margin:0}
.site-footer{background:var(--navy3);color:#a9b6d3;padding-top:4rem;font-size:.93rem}
.site-footer .grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.4fr;gap:2.5rem}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:1.1rem}
.site-footer a{color:#c9d3e8;text-decoration:none}.site-footer a:hover{color:var(--gold2)}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.45rem 0}
.site-footer .btn{color:#1d1504;margin-top:.4rem}
.fi{margin:.5rem 0}
.flogo{background:#fff;border-radius:14px;padding:6px;margin-bottom:1rem}
.social-row{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1.2rem}
.social-row a{width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);display:grid;place-items:center;color:var(--gold2);transition:.2s}
.social-row a:hover{background:var(--gold);color:var(--navy3)}
.more-link{color:var(--gold2)!important;font-weight:600;white-space:nowrap}
.risk-band{background:var(--navy2);margin-top:3rem;padding:1.6rem 0;color:#e6ecf8;font-size:.88rem;line-height:1.75;text-align:center}
.risk-band p{margin:0;max-width:1100px;margin-inline:auto}
.bottom-bar{display:flex;flex-wrap:wrap;gap:.6rem 1.2rem;justify-content:center;align-items:center;padding:1.2rem 0;font-size:.86rem;color:#c9d3e8;text-align:center}
.bottom-bar nav{display:flex;flex-wrap:wrap;justify-content:center}
.bottom-bar nav a{padding:0 .7rem;border-left:1px solid rgba(255,255,255,.25);line-height:1.1}
.bottom-bar nav a:first-child{border-left:0}

/* ---------- admin ---------- */
.adm{display:flex;min-height:100vh;background:#f4f2ea}
.adm aside{width:220px;background:var(--navy);padding:1rem;display:flex;flex-direction:column;gap:.2rem;flex:none}
.adm aside img{background:#fff;border-radius:10px;margin-bottom:1rem}
.adm aside a{color:#d9e1f2;text-decoration:none;padding:.55rem .8rem;border-radius:8px}.adm aside a.on,.adm aside a:hover{background:var(--gold);color:#1a1305}
.adm-main{flex:1;padding:2rem;max-width:980px;min-width:0}.adm h1{font-size:1.7rem}
.adm .card{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.2rem;text-decoration:none;color:var(--ink)}
.adm .cards{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));margin-bottom:1.5rem}.center{text-align:center}
.tbl{width:100%;border-collapse:collapse;background:#fff;border-radius:10px;overflow:hidden}.tbl th,.tbl td{padding:.6rem .8rem;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;font-size:.9rem}.tbl th{background:var(--cream)}
.tbl img{max-height:40px;max-width:120px}
.img-field{display:flex;gap:1rem;align-items:center;flex-wrap:wrap}.img-field img{max-height:80px;max-width:160px;border-radius:8px;border:1px solid var(--line);background:#fff}
.lnk{background:none;border:0;color:#b00020;cursor:pointer;font:inherit;padding:0}.mono{font-family:Consolas,monospace;font-size:.88rem}
.login-page{display:grid;place-items:center}.login-box{background:#fff;padding:2rem;border-radius:var(--r);width:min(380px,92%);box-shadow:var(--shadow-lg);text-align:center}.login-box img{margin:0 auto}.login-box label{text-align:left}

/* ---------- responsive ---------- */
@media(max-width:1080px){
  .site-footer .grid{grid-template-columns:1fr 1fr}
}
@media(max-width:960px){
  .burger{display:block}
  .menu{position:fixed;left:0;right:0;top:var(--hdr,110px);bottom:0;background:#fff;overflow:auto;transform:translateX(100%);transition:transform .3s;padding:1rem 16px 2rem}
  .nav-open .menu{transform:none}
  .nav-open{overflow:hidden}
  .menu>ul{flex-direction:column;align-items:stretch}
  .menu>ul>li>a{justify-content:space-between;padding:.9rem .6rem;border-bottom:1px solid var(--line);border-radius:0}
  .sub,.sub.mega{position:static;display:none;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;min-width:0;grid-template-columns:1fr;padding:.3rem 0 .6rem}
  .menu li.open>.sub{display:grid}
  .menu .login>a{margin:1rem 0 0;justify-content:center;border-radius:12px}
  .split,.contact-grid,.with-side{grid-template-columns:1fr;gap:2.5rem}
  .side{position:static}
  .stats{grid-template-columns:1fr 1fr}.stats>div:nth-child(2){border-right:0}.stats>div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .sec{padding:3.5rem 0}
  .badge-exp{right:8px;bottom:-14px}
}
@media(max-width:600px){
  .topbar .tb-left{display:none}.topbar .wrap{justify-content:center}.topbar a{margin:0 .5rem}
  .brand img{height:76px}.site-header.scrolled .brand img{height:58px}.nav{min-height:66px}
  .topbar a:last-child{display:none}
  .stats b{font-size:1.5rem}.stats>div{padding:1.1rem .6rem}
  .prod-grid{grid-template-columns:1fr}
  .cta-band{padding:2rem 1.4rem}
  .row2{grid-template-columns:1fr}
  .site-footer .grid{grid-template-columns:1fr}
  .sub.mega{grid-template-columns:1fr}
  .logo-tile{width:150px;height:76px}
  .adm{flex-direction:column}.adm aside{width:auto;flex-direction:row;flex-wrap:wrap}.adm aside img{display:none}
}
/*@media(prefers-reduced-motion:reduce){.track{animation:none}html{scroll-behavior:auto}*{transition:none!important}}*/

/* ---------- about page ---------- */
.ab-hero{position:relative;overflow:hidden;color:#fff;padding:4rem 0 4.5rem;background:radial-gradient(900px 480px at 85% 0,#24478a 0,transparent 60%),linear-gradient(160deg,var(--navy) 0,var(--navy3) 100%)}
.ab-hero h1{color:#fff;font-size:clamp(2.2rem,4.6vw,3.5rem);margin:.2em 0 .45em}
.ab-hero .crumbs{margin-bottom:1.4rem}
.ab-hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:3.5rem;align-items:center}
.ab-hero-img{position:relative}
.ab-hero-img img{width:100%;aspect-ratio:5/5.2;object-fit:cover;border-radius:28px 28px 28px 120px;box-shadow:0 30px 60px rgba(0,0,0,.35);border:4px solid rgba(226,195,107,.35)}
.ab-fc{left:-28px;bottom:36px;display:flex;gap:.7rem;align-items:center}.ab-fc b{display:block;font-size:1rem}
.founder{display:grid;grid-template-columns:.8fr 1.2fr;gap:4rem;align-items:center}
.founder-photo{position:relative}
.founder-photo:before{content:"";position:absolute;inset:24px -18px -18px 24px;border:2px solid var(--gold2);border-radius:28px}
.founder-photo img,.monogram{position:relative;width:100%;aspect-ratio:4/4.6;object-fit:cover;border-radius:28px;box-shadow:var(--shadow-lg)}
.monogram{display:grid;place-items:center;background:linear-gradient(160deg,var(--cream),var(--gold-soft))}
.monogram img{width:62%;aspect-ratio:auto;box-shadow:none;border-radius:16px;mix-blend-mode:multiply}
.role{color:var(--gold);font-weight:700;display:flex;align-items:center;gap:.7rem;margin-top:-.3rem}
.li{display:inline-grid;place-items:center;width:32px;height:32px;border-radius:8px;background:#0a66c2;color:#fff}.li svg{width:16px;height:16px}
.creds{list-style:none;padding:0;margin:1.4rem 0 0;display:flex;flex-wrap:wrap;gap:.6rem}
.creds li{display:flex;align-items:center;gap:.4rem;background:var(--cream);border:1px solid var(--line);border-radius:999px;padding:.4rem .9rem .4rem .6rem;font-weight:600;font-size:.88rem;color:var(--navy)}
.creds svg{color:var(--gold);width:16px;height:16px}
.fit-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.6rem}
.fit{background:#fff;border:1px solid var(--line);border-radius:24px;padding:2rem;box-shadow:var(--shadow)}
.fit h3{font-size:1.2rem;margin-bottom:1.2rem}
.fit ul{list-style:none;padding:0;margin:0;display:grid;gap:1.1rem}
.fit li{display:flex;gap:1rem;align-items:flex-start}
.fit li>span{flex:none;width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2);display:grid;place-items:center}
.fit b{display:block;color:var(--navy)}.fit small{color:var(--mute);font-size:.9rem;line-height:1.5;display:block}
.process{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;position:relative}
.process:before{content:"";position:absolute;top:34px;left:12%;right:12%;border-top:2px dashed var(--gold2)}
.process li{position:relative;text-align:center;padding:0 .6rem}
.pn{display:grid;place-items:center;width:68px;height:68px;margin:0 auto 1.1rem;border-radius:50%;background:var(--navy);color:var(--gold2);font-weight:800;font-size:1.3rem;border:5px solid #fff;box-shadow:0 0 0 2px var(--gold2),var(--shadow)}
.process h3{font-size:1.15rem;margin-bottom:.3rem}.process p{color:var(--mute);font-size:.93rem}
.stats-band.flat{margin:0}
@media(max-width:960px){
  .ab-hero-in,.founder,.fit-grid{grid-template-columns:1fr;gap:2.5rem}
  .ab-hero-img{max-width:480px}
  .founder-photo{max-width:380px}
  .process{grid-template-columns:1fr 1fr;row-gap:2.2rem}.process:before{display:none}
}
@media(max-width:600px){
  .ab-fc{left:8px;bottom:12px}
  .process{grid-template-columns:1fr}
  .fit{padding:1.4rem}
}

/* ---------- reviews v2 (source badge, photo, link) ---------- */
.review{display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .25s,box-shadow .25s,border-color .25s}
.review.linked:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--gold)}
.rev-top{display:flex;align-items:center;justify-content:space-between;gap:.8rem}
.stars{font-size:1.05rem}.stars .off{color:#e3dccb}
.rev-src{display:inline-flex;align-items:center;gap:.4rem;font-size:.78rem;font-weight:700;color:var(--mute);background:var(--cream);border:1px solid var(--line);border-radius:999px;padding:.25rem .65rem .25rem .3rem}
.rev-src svg{width:20px;height:20px;flex:none}.rs-brand{display:inline-grid}.rs-brand svg{width:18px;height:18px}
.review blockquote{flex:1}
.rev-foot{display:flex;align-items:center;gap:.8rem;flex-wrap:wrap}
.rev-foot .av{flex:none;width:48px;height:48px;border-radius:50%;object-fit:cover;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2);display:grid;place-items:center;font-weight:800;box-shadow:0 0 0 3px #fff,0 0 0 4px var(--line)}
.who b{display:block;color:var(--navy)}.who small{color:var(--mute)}
.rev-link{margin-left:auto;display:inline-flex;align-items:center;gap:.25rem;font-size:.82rem;font-weight:700;color:var(--gold)}
.review.linked:hover .rev-link{color:var(--navy)}

/* ---------- v5: typography ---------- */
h1,h2{font-family:"Playfair Display",Georgia,"Times New Roman",serif;font-weight:700;letter-spacing:-.005em}
h2 em,h1 em{font-style:italic;color:var(--gold)}
.nav-cta>a{background:linear-gradient(135deg,#c9a24a,var(--gold2))!important;color:#1d1504!important;margin-left:.4rem}
.nav-cta>a:hover{filter:brightness(1.05)}
@media(max-width:1180px) and (min-width:961px){.menu>ul>li>a{padding:.6rem .7rem;font-size:.9rem}}

/* ---------- v5: dark sections (home) ---------- */
.sec.dark{background:var(--navy);color:#c9d3e8}
.sec.dark.deep{background:var(--navy3)}
.sec.dark h2,.sec.dark h3{color:#fff}
.sec.dark h2 em{color:var(--gold2)}
.sec.dark .head p,.sec.dark p{color:#c9d3e8}
.sec.dark ul.ticks li{color:#e6ecf8}
.sec.dark ul.ticks li:before{background-color:rgba(226,195,107,.18)}
.sec.dark .svc,.sec.dark .prod,.sec.dark .review{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.1);color:#e6ecf8}
.sec.dark .svc:hover,.sec.dark .prod:hover,.sec.dark .review.linked:hover{border-color:var(--gold2);background:rgba(255,255,255,.07)}
.sec.dark .svc p,.sec.dark .prod small,.sec.dark .review blockquote{color:#b9c4dd}
.sec.dark .prod b,.sec.dark .who b{color:#fff}.sec.dark .who small{color:#a9b6d3}
.sec.dark .svc-ico{border-color:var(--navy3)}
.sec.dark .svc:hover .more{color:#fff}
.sec.dark .prod-ico{background:rgba(226,195,107,.14)}
.sec.dark .rev-src{background:#fff;border-color:transparent}
.sec.dark .rev-foot .av{box-shadow:0 0 0 3px var(--navy),0 0 0 4px rgba(226,195,107,.4)}
.sec.dark .stars .off{color:rgba(255,255,255,.2)}
.sec.dark .logo-tile{border-color:transparent}
.sec.dark .split-img img{box-shadow:0 30px 60px rgba(0,0,0,.4)}

/* ---------- v6: hero slider (Redwood pattern) ---------- */
.hs{position:relative;overflow:hidden;height:clamp(520px,calc(100vh - 110px),720px);background:var(--navy3)}
.hs-track{display:flex;height:100%;transition:transform .9s cubic-bezier(.4,0,.2,1)}
.hs-slide{position:relative;flex:0 0 100%;height:100%;overflow:hidden}
.hs-slide>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hs-slide:after{content:"";position:absolute;inset:0;background:rgba(0,0,0,.4)}
.hs-in{position:relative;z-index:1;height:100%;display:flex;align-items:center}
.hs-box{width:min(560px,100%);padding:3rem;background:rgba(15,37,80,.55);color:#fff}
.hs-box>*{margin:0}.hs-box>*+*{margin-top:1.5rem}
.hs-tag{text-transform:uppercase;font-size:17px;letter-spacing:.02em}
.hs-t{font:700 45px/1.25 "Plus Jakarta Sans",system-ui,sans-serif;color:#fff;letter-spacing:-.01em}
.hs-p{font-size:18px;line-height:1.55;color:#fff}
.hs-btn{display:inline-flex;align-items:center;height:43px;padding:0 1.5rem;border:1px solid #fff;border-radius:12px;color:#fff;text-decoration:none;font-weight:600;font-size:18px;transition:.3s;margin-top:2.5rem!important}
.hs-btn:hover{background:var(--gold);border-color:var(--gold)}
.hs-box>*{opacity:0}
.hs-slide.on .hs-box>*{animation:rise .7s ease forwards}
.hs-slide.static .hs-box>*{opacity:1;animation:none}
@media(prefers-reduced-motion:reduce){.hs-box>*{opacity:1!important;animation:none!important}}
.hs-slide.on .hs-box>*:nth-child(2){animation-delay:.15s}.hs-slide.on .hs-box>*:nth-child(3){animation-delay:.3s}.hs-slide.on .hs-box>*:nth-child(4){animation-delay:.45s}
@keyframes rise{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:none}}
.hs-dots{position:absolute;top:40%;right:calc(7% + 40px);z-index:3;display:flex;flex-direction:column;align-items:center;gap:15px}
.hs-dots button{width:17px;height:17px;border-radius:50%;border:0;padding:0;background:#f3e6c4;cursor:pointer;transition:.3s}
.hs-dots button.on{width:13px;height:13px;background:var(--gold);outline:1px solid var(--gold);outline-offset:5px}

/* ---------- v6: why / stats (light) ---------- */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.why{background:#fff;border:1px solid var(--line);border-radius:22px;padding:2.2rem 1.8rem;transition:.3s;box-shadow:var(--shadow)}
.why:hover{border-color:var(--gold);transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.why-ico{width:62px;height:62px;border-radius:18px;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2);margin-bottom:1.3rem}
.why h3{font-size:1.2rem}.why p{color:var(--mute)}
/* Parallax bands: the photo stays fixed while the content scrolls over it (as on aumwealth.com). */
.stats-sec,.rev-sec{background-size:cover!important;background-position:center!important;background-attachment:fixed!important}
.rev-sec .review{background:rgba(10,26,58,.45);backdrop-filter:blur(3px);-webkit-backdrop-filter:blur(3px)}
.rev-sec .head h2,.rev-sec .review blockquote{text-shadow:0 1px 8px rgba(0,0,0,.25)}
/* Fixed backgrounds are unsupported or janky on touch devices — scroll normally there. */
@media(max-width:960px),(hover:none){.stats-sec,.rev-sec{background-attachment:scroll!important}}
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.stat-c{display:flex;align-items:center;gap:1rem;text-align:left;padding:1.6rem 1.4rem;border-radius:16px;background:#fff;box-shadow:0 20px 40px rgba(0,0,0,.18)}
.stat-ico{flex:none;display:grid;place-items:center;width:58px;height:58px;border-radius:50%;background:var(--gold-soft);color:var(--gold)}
.stat-c b{display:block;font:700 2rem/1.1 "Plus Jakarta Sans",sans-serif;color:var(--navy)}
.stat-c span{color:var(--mute);font-size:.95rem}

/* ---------- v5: structured path ---------- */
.path{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(6,1fr);gap:1.4rem;position:relative}
.path:before{content:"";position:absolute;top:44px;left:8%;right:8%;border-top:2px dashed rgba(184,146,58,.55)}
.path li{position:relative;text-align:center}
.path-ico{position:relative;display:grid;place-items:center;width:88px;height:88px;margin:0 auto 1.2rem;border-radius:50%;background:#fff;color:var(--gold);border:2px solid var(--gold-soft);box-shadow:var(--shadow)}
.path-ico b{position:absolute;top:-4px;right:-4px;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-size:.8rem;display:grid;place-items:center;border:2px solid #fff}
.path h3{font:700 1.08rem/1.3 "Playfair Display",Georgia,serif;margin-bottom:.4rem}
.path p{color:var(--mute);font-size:.9rem;margin:0}
.path-sec.dark .path-ico{background:var(--navy);border-color:rgba(226,195,107,.5);color:var(--gold2);box-shadow:0 0 0 8px rgba(226,195,107,.06)}
.path-sec.dark .path-ico b{background:var(--gold2);color:var(--navy3);border-color:var(--navy3)}
.path-sec.dark .path p{color:#b9c4dd}

/* ---------- v5: 360 wheel ---------- */
.wheel-wrap{display:grid;grid-template-columns:1fr minmax(300px,440px) 1fr;grid-template-rows:auto auto;gap:1rem 2.5rem;align-items:center}
.wheel{grid-column:2;grid-row:1/3;width:100%;height:auto}
.wheel .q-t{fill:#fff;font:700 15px "Plus Jakarta Sans",sans-serif;letter-spacing:.04em}
.wheel .w-big{fill:#fff;font:700 46px "Playfair Display",Georgia,serif}
.wheel .w-small{fill:var(--gold2);font:600 15px "Plus Jakarta Sans",sans-serif;letter-spacing:.06em}
.w-list{background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.4rem 1.6rem;box-shadow:var(--shadow)}
.w-list h3{font-size:1.1rem;color:var(--navy);margin-bottom:.7rem}
.w-list ul{list-style:none;padding:0;margin:0;display:grid;gap:.5rem}
.w-list li{position:relative;padding-left:1.3rem;color:var(--ink)}
.w-list li:before{content:"";position:absolute;left:0;top:.55em;width:8px;height:8px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 3px var(--gold-soft)}
.w-tl,.w-bl{grid-column:1;text-align:right}.w-tl li,.w-bl li{padding:0 1.3rem 0 0}.w-tl li:before,.w-bl li:before{left:auto;right:0}
.w-tr,.w-br{grid-column:3}
.w-tl,.w-tr{grid-row:1;align-self:end}.w-bl,.w-br{grid-row:2;align-self:start}

/* ---------- v5: meeting form ---------- */
.meet{display:grid;grid-template-columns:1fr 1.1fr;gap:3rem;align-items:center}
.meet-img img{border-radius:24px;width:100%;aspect-ratio:4/4.2;object-fit:cover;box-shadow:var(--shadow-lg)}
.meet-form{background:#f4f6fb;color:var(--ink);border:1px solid #e3e8f2;border-radius:24px;padding:2.2rem}
.meet-form h2{color:var(--navy)!important}.meet-form p{color:var(--mute)!important}
.meet-form .kicker.light{color:var(--gold)}
.meet-form label,.card-form label{display:block;font-weight:600;margin-bottom:1rem;font-size:.9rem;color:var(--navy)}
.meet-form label small,.card-form label small{color:var(--mute);font-weight:500}
.form-sub{color:var(--mute)}

/* ---------- v5: app section ---------- */
.app-sec{background:linear-gradient(160deg,var(--cream) 0,#f1ead8 100%);color:var(--ink);padding:5rem 0;overflow:hidden}
.app-in{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.app-sec .kicker.light{color:var(--gold)}
.app-feat{list-style:none;padding:0;margin:1.8rem 0;display:grid;gap:1.3rem}
.app-feat li{display:flex;gap:1rem;align-items:center}
.af-ico{flex:none;width:58px;height:58px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2)}
.app-feat b{display:block;color:var(--navy);font-size:1.15rem}.app-feat small{color:var(--mute);font-size:.95rem}
.app-reg{color:var(--navy);font-weight:700;margin:2rem 0 1rem}
.badges{display:flex;gap:1rem;flex-wrap:wrap}.badges img{height:52px;width:auto;border-radius:10px}
.badges a{transition:transform .2s}.badges a:hover{transform:translateY(-3px)}
.phones{display:flex;justify-content:center;gap:1.5rem;align-items:flex-start}
.phone{width:230px;aspect-ratio:9/18.5;background:#0b1020;border-radius:36px;padding:10px;box-shadow:0 30px 60px rgba(0,0,0,.45),inset 0 0 0 2px #2b3350;position:relative}
.phone:before{content:"";position:absolute;top:14px;left:50%;transform:translateX(-50%);width:70px;height:16px;border-radius:999px;background:#0b1020;z-index:2}
.phone.p2{margin-top:3rem}
.screen{width:100%;height:100%;border-radius:28px;overflow:hidden;background:#f4f6fb;display:flex;flex-direction:column;font-size:9.5px;color:#1d2433}
.screen>img{width:100%;height:100%;object-fit:cover}
.ms-head{background:#fff;padding:26px 0 6px;display:grid;place-items:center;border-bottom:1px solid #e6e9f2}.ms-head img{width:48px;height:auto}
.ms-bar{background:var(--navy2);color:#fff;font-weight:700;padding:5px 10px;margin:8px 8px 4px;border-radius:6px}
.ms-list{list-style:none;margin:0;padding:0 8px;display:grid;gap:4px}
.ms-list li{display:flex;gap:6px;align-items:center;background:#fff;border-radius:6px;padding:6px}
.ms-list i{width:16px;height:16px;border-radius:5px;background:var(--gold-soft);flex:none}
.ms-list b{display:block;font-size:9.5px}.ms-list span{color:#6b7385;font-size:8.5px}
.ms-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:4px;padding:0 8px}
.ms-grid span{background:#fff;border-radius:6px;padding:12px 2px 6px;text-align:center;font-size:8.5px;color:#4a5368;position:relative}
.ms-grid span:before{content:"";position:absolute;top:4px;left:50%;transform:translateX(-50%);width:12px;height:6px;border-radius:3px;background:var(--gold2)}
.ms-card{background:#fff;margin:8px;border-radius:8px;padding:8px 10px}
.ms-card small{color:#6b7385}.ms-card b{display:block;font-size:15px;color:var(--navy);margin-bottom:4px}
.ms-row{display:flex;justify-content:space-between;color:#4a5368;padding:2px 0}.ms-row .up{color:#1f9d55;font-weight:700}
.ms-pie{display:block;margin:6px auto;transform:rotate(-90deg)}
.ms-legend{list-style:none;margin:0;padding:0 12px;display:grid;grid-template-columns:1fr 1fr;gap:3px}
.ms-legend li{display:flex;gap:4px;align-items:center}.ms-legend i{width:8px;height:8px;border-radius:2px}
.ms-nav{margin-top:auto;display:flex;justify-content:space-around;background:#fff;border-top:1px solid #e6e9f2;padding:9px 0 12px}
.ms-nav span{width:14px;height:14px;border-radius:4px;background:#d5dae6}.ms-nav span.on{background:var(--navy2)}

/* ---------- v5: legal pages ---------- */
.info-table{width:100%;border-collapse:collapse;margin:1rem 0 1.5rem;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.info-table th,.info-table td{padding:.8rem 1rem;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.info-table th{background:var(--cream);color:var(--navy);width:38%;font-weight:600}
.set-h{font-size:1.25rem;margin:2rem 0 1rem;padding-bottom:.4rem;border-bottom:2px solid var(--gold-soft)}

@media(max-width:1080px){
  .path{grid-template-columns:repeat(3,1fr);row-gap:2.4rem}.path:before{display:none}
  .wheel-wrap{grid-template-columns:1fr 1fr;grid-template-rows:auto}
  .wheel{grid-column:1/-1;grid-row:1;max-width:420px;margin:0 auto}
  .w-tl,.w-tr,.w-bl,.w-br{grid-row:auto;grid-column:auto;text-align:left;align-self:stretch}
  .w-tl li,.w-bl li{padding:0 0 0 1.3rem}.w-tl li:before,.w-bl li:before{left:0;right:auto}
  .phone{width:200px}
}
@media(max-width:960px){
  .why-grid,.stat-row{grid-template-columns:1fr 1fr}
  .meet,.app-in{grid-template-columns:1fr}
  .meet-img{display:none}
  .hs{height:550px}
  .hs-box{padding:2rem;width:min(500px,calc(100% - 50px))}
  .hs-tag{font-size:15px}.hs-t{font-size:37px}.hs-p{font-size:16px}
  .hs-btn{height:38px;font-size:16px;margin-top:1.5rem!important}
  .hs-dots{right:5%}
  .stats-sec{background-attachment:scroll}
}
@media(max-width:600px){
  .why-grid{grid-template-columns:1fr}
  .stat-c b{font-size:1.8rem}
  .path{grid-template-columns:1fr 1fr}
  .wheel-wrap{grid-template-columns:1fr}
  .phones{gap:.8rem}.phone{width:46%;border-radius:26px;padding:6px}.screen{border-radius:21px;font-size:7.5px}.phone.p2{margin-top:2rem}
  .meet-form{padding:1.5rem}
  .hs-box{padding:1.5rem}.hs-box>*+*{margin-top:.8rem}
  .hs-tag{font-size:13px}.hs-t{font-size:28px}.hs-p{font-size:14px}
  .hs-btn{height:33px;font-size:13px;padding:0 1rem;margin-top:1rem!important}
  .stat-row{grid-template-columns:1fr}
  .bottom-bar nav a{padding:.2rem .5rem}
}

/* ---------- v11: blog ---------- */
.blog-search{display:flex;align-items:center;gap:.6rem;background:#fff;border-radius:14px;padding:.35rem .35rem .35rem 1rem;max-width:620px;margin-top:1.6rem;box-shadow:0 18px 40px rgba(0,0,0,.25)}
.blog-search svg{flex:none;color:var(--mute)}
.blog-search input{border:0;margin:0;padding:.7rem .2rem;box-shadow:none!important;font-size:1rem}
.blog-search button{flex:none;border:0;border-radius:10px;padding:.75rem 1.4rem;background:linear-gradient(135deg,#c9a24a,var(--gold2));color:#1d1504;font:inherit;font-weight:700;cursor:pointer}
.blog-bar{margin-bottom:2rem}
.chips{display:flex;flex-wrap:wrap;gap:.6rem}
.chip-f{padding:.5rem 1.1rem;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.9rem;background:#fff;transition:.2s}
.chip-f small{color:var(--mute);font-weight:500;margin-left:.2rem}
.chip-f:hover{border-color:var(--gold)}.chip-f.on{background:var(--navy);border-color:var(--navy);color:#fff}.chip-f.on small{color:var(--gold2)}
.result-note{margin:1rem 0 0;color:var(--mute)}.result-note a{color:var(--gold);font-weight:600}
.featured{display:grid;grid-template-columns:1.15fr 1fr;border:1px solid var(--line);border-radius:24px;overflow:hidden;text-decoration:none;color:var(--ink);background:#fff;margin-bottom:2rem;transition:.3s}
.featured:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.f-img{position:relative;min-height:320px}.f-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.f-body{padding:2.4rem;display:flex;flex-direction:column;justify-content:center}
.f-body h2{font-size:clamp(1.5rem,2.6vw,2rem);margin:.6rem 0}.f-body p{color:var(--mute)}
.tag{position:absolute;left:14px;top:14px;background:rgba(15,37,80,.9);color:var(--gold2);font-size:.75rem;font-weight:700;padding:.3rem .8rem;border-radius:999px;letter-spacing:.03em}
.b-meta{font-size:.82rem;color:var(--mute)}.b-meta b{color:var(--gold)}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem}
.bcard{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:20px;overflow:hidden;background:#fff;text-decoration:none;color:var(--ink);transition:.3s}
.bcard:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
.b-img{position:relative;aspect-ratio:16/10;background:var(--cream)}.b-img img{width:100%;height:100%;object-fit:cover}
.b-body{padding:1.3rem 1.4rem 1.5rem;display:flex;flex-direction:column;flex:1}
.b-body h3{font:700 1.15rem/1.35 "Playfair Display",Georgia,serif;margin:.5rem 0}
.b-body p{color:var(--mute);font-size:.93rem;flex:1}
.empty{text-align:center;padding:4rem 1rem;color:var(--mute)}.empty svg{color:var(--gold);margin-bottom:1rem}
.pager{display:flex;gap:.5rem;justify-content:center;margin-top:2.5rem}
.pager a{width:42px;height:42px;display:grid;place-items:center;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--navy);font-weight:700}
.pager a.on,.pager a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.post-hero{padding-bottom:3.5rem}.post-hero h1{max-width:860px}
.cat-pill{display:inline-block;margin-top:1rem;background:var(--gold);color:#1d1504;font-size:.78rem;font-weight:700;padding:.3rem .9rem;border-radius:999px;text-decoration:none}
.post-meta{display:flex;flex-wrap:wrap;gap:.4rem 1.4rem;color:#c9d3e8!important;font-size:.95rem!important}
.post-meta span+span:before{content:"•";margin-right:1.4rem;color:var(--gold2)}
.article{font-size:1.05rem;line-height:1.8}
.article h2{font-size:1.45rem}
.article blockquote{margin:1.6rem 0;padding:1.2rem 1.5rem;border-left:4px solid var(--gold);background:var(--cream);border-radius:0 14px 14px 0;font:italic 600 1.15rem/1.6 "Playfair Display",Georgia,serif;color:var(--navy)}
.share{display:flex;align-items:center;gap:.6rem;flex-wrap:wrap;margin-top:2.4rem;padding-top:1.4rem;border-top:1px solid var(--line)}
.share span{font-weight:700;color:var(--navy);margin-right:.4rem}
.share a{width:40px;height:40px;border-radius:10px;display:grid;place-items:center;color:#fff}.share a svg{width:18px;height:18px}
.side-search div{display:flex;gap:.4rem}.side-search input{margin:0}
.side-search button{flex:none;width:46px;border:0;border-radius:12px;background:var(--navy);color:#fff;cursor:pointer;display:grid;place-items:center}
.side-box li a .cnt{margin-left:auto;background:var(--cream);border-radius:999px;padding:.05rem .55rem;font-size:.78rem;color:var(--mute)}

/* ---------- v11: financial tools ---------- */
.tool-cards{display:grid;grid-template-columns:1fr 1fr;gap:2rem}
.tool-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:24px;overflow:hidden;background:#fff;text-decoration:none;color:var(--ink);transition:.3s}
.tool-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.tc-img{position:relative;aspect-ratio:16/8}.tc-img img{width:100%;height:100%;object-fit:cover}
.tc-img:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(15,37,80,.55))}
.tc-ico{position:absolute;left:24px;bottom:-28px;z-index:1;width:60px;height:60px;border-radius:16px;background:var(--navy);color:var(--gold2);display:grid;place-items:center;border:4px solid #fff;box-shadow:var(--shadow)}
.tc-body{padding:2.4rem 1.8rem 1.8rem}.tc-body h2{font-size:1.7rem}.tc-body p{color:var(--mute)}
.tc-meta{list-style:none;padding:0;margin:0 0 1.4rem;display:flex;flex-wrap:wrap;gap:.5rem}
.tc-meta li{background:var(--cream);border:1px solid var(--line);border-radius:999px;padding:.25rem .8rem;font-size:.82rem;font-weight:600;color:var(--navy)}
.tool-why{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:3rem}
.tool-why>div{display:flex;flex-direction:column;align-items:center;text-align:center;gap:.3rem;padding:1.4rem;border:1px solid var(--line);border-radius:18px;background:var(--cream)}
.tool-why .si{width:48px;height:48px;border-radius:14px;margin-bottom:.4rem}.tool-why b{color:var(--navy)}.tool-why small{color:var(--mute)}
.tool-sec{background:#f6f7fb}
.tool-form{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:2rem;align-items:start}
.t-card{background:#fff;border:1px solid #e3e8f2;border-radius:22px;padding:1.8rem;margin-bottom:1.5rem;box-shadow:0 6px 20px rgba(15,37,80,.05)}
.t-step{display:flex;gap:1rem;align-items:flex-start;margin-bottom:1.4rem}
.t-step>span{flex:none;width:40px;height:40px;border-radius:12px;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-weight:800}
.t-step h2{font:700 1.35rem "Playfair Display",Georgia,serif;margin:0}.t-step p{margin:.2rem 0 0;color:var(--mute);font-size:.92rem}
.t-questions{list-style:none;margin:0;padding:0;display:grid;gap:1rem}
.tq{border:1px solid var(--line);border-radius:16px;padding:1.2rem 1.3rem;transition:.2s;background:#fff}
.tq.done{border-color:#cfe5d8;background:#fbfefc}.tq.need{border-color:#e0702b;box-shadow:0 0 0 3px rgba(224,112,43,.15)}
.tq-head{display:flex;gap:.9rem}
.tq-no{flex:none;width:30px;height:30px;border-radius:50%;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center;font-weight:800;font-size:.85rem}
.tq.done .tq-no{background:#1f9d55;color:#fff}
.tq-tag{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold)}
.tq-q{margin:.15rem 0 0;font-weight:600;color:var(--navy)}
.tq-note{margin:.3rem 0 0;font-size:.85rem;color:var(--mute)}
.yn,.opts{display:flex;flex-wrap:wrap;gap:.6rem;margin:1rem 0 0 2.6rem}
.opts{flex-direction:column}
.yn label,.opts label{position:relative;cursor:pointer;margin:0}
.yn input,.opts input{position:absolute;opacity:0;width:1px;height:1px}
.yn span{display:inline-block;min-width:96px;text-align:center;padding:.6rem 1.2rem;border:1.5px solid var(--line);border-radius:12px;font-weight:700;color:var(--navy);transition:.15s}
.opts span{display:block;padding:.75rem 1rem .75rem 2.6rem;border:1.5px solid var(--line);border-radius:12px;color:var(--ink);font-weight:500;position:relative;transition:.15s}
.opts span:before{content:"";position:absolute;left:1rem;top:50%;width:16px;height:16px;border-radius:50%;border:2px solid #c3cadb;transform:translateY(-50%)}
.yn label:hover span,.opts label:hover span{border-color:var(--gold)}
.yn input:focus-visible+span,.opts input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.yn input[value=yes]:checked+span{background:#1f9d55;border-color:#1f9d55;color:#fff}
.yn input[value=no]:checked+span{background:#c0392b;border-color:#c0392b;color:#fff}
.opts input:checked+span{border-color:var(--navy);background:#f1f4fb;color:var(--navy);font-weight:600}
.opts input:checked+span:before{border-color:var(--navy);background:radial-gradient(circle,var(--navy) 45%,transparent 50%)}
.t-submit{width:100%;justify-content:center;padding:1rem;font-size:1.05rem}
.tool-side{position:sticky;top:110px;display:grid;gap:1.2rem}
.prog{height:10px;border-radius:999px;background:#eef1f7;overflow:hidden}
.prog-bar{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--gold),var(--gold2));transition:width .3s}
.prog-txt{margin:.6rem 0 1rem;color:var(--mute)}.prog-txt b{color:var(--navy)}
.tool-points{list-style:none;margin:0;padding:0;display:grid;gap:.45rem;font-size:.9rem}
.tool-points li:before{content:"\2713";color:#1f9d55;font-weight:800;margin-right:.5rem}
.err ul{margin:.4rem 0 0;padding-left:1.2rem}
.row2.tight{gap:1rem}
.t-details select{height:auto}

/* one-question-at-a-time wizard (enabled by JS) */
.wiz-only{display:none!important}
.wizard .wiz-only{display:flex!important}
.wizard .q-dots.wiz-only{display:grid!important}
.wizard .no-wiz,.wizard [hidden]{display:none!important}
.wizard .tq{display:none;border:0;padding:0;background:none}
.wizard .tq.cur{display:block;animation:qin .35s ease}
@keyframes qin{from{opacity:0;transform:translateX(24px)}to{opacity:1;transform:none}}
.wizard .tq-q{font-size:1.25rem;line-height:1.45}
.wizard .tq-no{width:38px;height:38px;font-size:1rem}
.wizard .yn{gap:1rem}.wizard .yn span{min-width:140px;padding:.9rem 1.4rem;font-size:1.05rem}
.wizard .opts span{padding:1rem 1.2rem 1rem 2.8rem;font-size:1rem}
.wizard .tq.need .opts span,.wizard .tq.need .yn span{border-color:#e0702b}
.wiz-bar{height:6px;border-radius:999px;background:#eef1f7;overflow:hidden;margin:-.4rem 0 1.6rem}
.wiz-bar span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--navy2),var(--gold));transition:width .35s}
.wiz-nav{justify-content:space-between;align-items:center;gap:.8rem;margin-top:1.8rem;padding-top:1.2rem;border-top:1px solid var(--line)}
.wiz-nav .btn{min-width:140px;justify-content:center}
.wiz-nav .btn:disabled{opacity:.45;cursor:not-allowed;transform:none}
.wiz-prev{visibility:hidden}
.wiz-count{font-weight:600;color:var(--navy)!important}
.q-dots{grid-template-columns:repeat(6,1fr);gap:.4rem;margin:0 0 1.2rem}
.qd{aspect-ratio:1;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--mute);font:inherit;font-size:.82rem;font-weight:700;cursor:pointer;transition:.15s;padding:0}
.qd:hover{border-color:var(--gold);color:var(--navy)}
.qd.ans{background:#e8f6ee;border-color:#9fd6b5;color:#1f7a45}
.qd.cur{background:var(--navy);border-color:var(--navy);color:#fff;box-shadow:0 0 0 3px rgba(27,58,115,.18)}

/* ---------- v11: report ---------- */
.report-sec{background:#f6f7fb}
.report-actions{display:flex;flex-wrap:wrap;gap:.8rem;justify-content:flex-end;margin-bottom:1.4rem}
.btn.ghost-navy{border-color:var(--line);color:var(--navy);background:#fff}
.report{max-width:960px;margin:0 auto;background:#fff;border-radius:24px;box-shadow:var(--shadow-lg);overflow:hidden;border:1px solid #e3e8f2}
.rp-head{display:grid;grid-template-columns:auto 1fr auto;gap:1.6rem;align-items:center;padding:1.6rem 2.2rem;border-bottom:4px solid var(--gold);background:linear-gradient(135deg,#fff 60%,var(--cream))}
.rp-head img{border-radius:12px}
.rp-title h1{font-size:clamp(1.4rem,3vw,2rem);margin:.2rem 0 0}
.rp-who{margin:0;display:grid;grid-template-columns:auto auto;gap:.3rem 1.2rem;font-size:.85rem}
.rp-who dt{color:var(--mute)}.rp-who dd{margin:0;font-weight:700;color:var(--navy)}
.rp-who div{display:contents}
.rp-score{display:grid;grid-template-columns:auto 1fr;gap:2.2rem;align-items:center;padding:2.2rem}
.gauge{position:relative;width:190px;height:190px}
.g-in{position:absolute;inset:0;display:grid;place-content:center;text-align:center}
.g-in b{font:700 2.4rem/1 "Playfair Display",Georgia,serif;color:var(--navy)}.g-in small{color:var(--mute);margin-top:.3rem}
.band-pill{display:inline-block;color:#fff;font-weight:700;font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;padding:.35rem .9rem;border-radius:999px}
.rp-band h2{font-size:1.6rem;margin:.6rem 0 .4rem}.rp-band p{color:#3a4358}
.rp-reco{background:var(--cream);border-left:4px solid var(--gold);padding:.8rem 1rem;border-radius:0 12px 12px 0}
.rp-stats{display:flex;gap:1rem;flex-wrap:wrap;margin-top:1rem}
.rp-stats div{flex:1;min-width:120px;border:1px solid var(--line);border-radius:14px;padding:.8rem 1rem;text-align:center}
.rp-stats b{display:block;font:700 1.6rem "Playfair Display",Georgia,serif;color:var(--navy)}.rp-stats span{font-size:.82rem;color:var(--mute)}
.rp-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem;padding:0 2.2rem 1rem}
.rp-box{border:1px solid var(--line);border-radius:18px;padding:1.4rem}
.rp-box h3,.rp-detail h3{font:700 1.2rem "Playfair Display",Georgia,serif;margin-bottom:1rem}
.alloc{display:flex;gap:1.4rem;align-items:center;flex-wrap:wrap}.alloc svg{transform:rotate(-90deg)}
.alloc ul{list-style:none;margin:0;padding:0;display:grid;gap:.6rem;flex:1;min-width:150px}
.alloc li{display:flex;align-items:center;gap:.6rem}.alloc li i{width:14px;height:14px;border-radius:4px}.alloc li b{margin-left:auto;color:var(--navy)}
.fund-chips{display:flex;flex-wrap:wrap;gap:.5rem}
.fund-chips span{background:#f1f4fb;border:1px solid #dfe5f1;color:var(--navy);border-radius:999px;padding:.35rem .85rem;font-size:.86rem;font-weight:600}
.rp-detail{padding:1rem 2.2rem 1.6rem}
.rp-items{list-style:none;margin:0;padding:0;display:grid;gap:.8rem}
.rp-items li{display:flex;gap:1rem;border:1px solid var(--line);border-radius:14px;padding:1rem 1.2rem;break-inside:avoid}
.rp-items li.ok{border-left:4px solid #1f9d55}.rp-items li.bad{border-left:4px solid #e0702b;background:#fffaf5}
.ri-ico{flex:none;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;font-weight:800;color:#fff;background:var(--navy)}
.ok .ri-ico{background:#1f9d55}.bad .ri-ico{background:#e0702b}
.ri-head{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold)}
.ri-q{margin:.1rem 0 .3rem;font-weight:600;color:var(--navy)}
.ri-a{margin:0;font-size:.9rem;color:var(--mute)}.ri-a b{color:var(--ink)}
.ri-f{margin:.5rem 0 0;font-size:.92rem;color:#3a4358}
.rp-cta{display:flex;justify-content:space-between;align-items:center;gap:1.4rem;flex-wrap:wrap;margin:0 2.2rem 1.6rem;padding:1.6rem;border-radius:18px;background:linear-gradient(120deg,var(--navy),var(--navy2));color:#c9d3e8}
.rp-cta h3{color:#fff;margin-bottom:.3rem}.rp-cta p{margin:0}
.rp-contact{display:flex;flex-direction:column;gap:.5rem;align-items:flex-end;font-size:.88rem}
.rp-foot{padding:1.2rem 2.2rem 1.6rem;border-top:1px solid var(--line);font-size:.8rem;color:var(--mute)}
.rp-foot p{margin:.3rem 0}

@media(max-width:960px){
  .featured,.tool-cards,.tool-form,.rp-grid{grid-template-columns:1fr}
  .blog-grid{grid-template-columns:1fr 1fr}
  .tool-why{grid-template-columns:1fr 1fr}
  .tool-side{position:static;order:-1}
  .rp-head{grid-template-columns:auto 1fr}.rp-who{grid-column:1/-1}
  .rp-score{grid-template-columns:1fr;justify-items:center;text-align:center}
  .rp-stats{justify-content:center}
}
@media(max-width:600px){
  .blog-grid,.tool-why{grid-template-columns:1fr}
  .f-body{padding:1.6rem}.f-img{min-height:220px}
  .yn,.opts{margin-left:0}
  .t-card{padding:1.3rem}
  .rp-head,.rp-score,.rp-detail,.rp-foot{padding-left:1.2rem;padding-right:1.2rem}
  .rp-grid{padding:0 1.2rem 1rem}.rp-cta{margin:0 1.2rem 1.2rem}
  .rp-contact{align-items:flex-start}
  .blog-search button{padding:.75rem 1rem}
}
@media print{
  @page{margin:12mm}
  .topbar,.site-header,.site-footer,.side-social,.disclaimer,.app-sec,.no-print{display:none!important}
  body,.report-sec{background:#fff!important}
  .report-sec{padding:0}
  .report{box-shadow:none;border:0;border-radius:0;max-width:none}
  .rp-cta{-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .band-pill,.ri-ico,.rp-head,.alloc,.fund-chips span{-webkit-print-color-adjust:exact;print-color-adjust:exact}
}

/* ---------- v10: bracket text, mega menu, service-page blocks ---------- */
small.br{font-size:.74em;font-weight:500;opacity:.8;letter-spacing:0;white-space:nowrap}
h1 small.br{font-size:.5em;opacity:.85;vertical-align:middle}
h2 small.br,h3 small.br{font-size:.65em}

.nav{position:relative}
.menu li.has-mega{position:static}
.sub.mega2{left:auto;right:0;width:min(1040px,calc(100vw - 32px));padding:1.4rem 1.6rem 1rem;border-top:3px solid var(--gold)}
.mega-cols{columns:4 220px;column-gap:1.8rem}
.mblock{break-inside:avoid;margin:0 0 1.2rem}
.sub .m-over{padding:0;text-decoration:none;background:none!important}
.m-over{display:block;font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin:0 0 .3rem}
.sub .m-head{display:flex;align-items:center;gap:.6rem;padding:.35rem .2rem;font-weight:700;color:var(--navy);font-size:.95rem;border-bottom:1px solid var(--line);border-radius:0;margin-bottom:.35rem}
.sub .m-head .si{width:30px;height:30px}
.mblock ul{list-style:none;margin:0;padding:0}
.sub .mblock li a{display:block;padding:.28rem .2rem .28rem .9rem;font-size:.87rem;font-weight:500;color:#3a4358;position:relative;border-radius:6px}
.sub .mblock li a:before{content:"";position:absolute;left:.2rem;top:50%;width:4px;height:4px;border-radius:50%;background:var(--gold2);transform:translateY(-50%)}
.sub .mblock li a:hover{color:var(--navy);background:var(--cream)}
.sub .m-all{display:block;text-align:right;font-size:.85rem;font-weight:700;color:var(--gold);padding:.6rem .2rem 0;border-top:1px solid var(--line)}

.hero-cta{display:inline-flex;align-items:center;gap:.4rem;margin-top:1.4rem;height:42px;padding:0 1.3rem;border:1px solid rgba(255,255,255,.85);border-radius:12px;color:#fff;text-decoration:none;font-weight:600;transition:.25s}
.hero-cta:hover{background:var(--gold);border-color:var(--gold)}
.crumbs a{margin:0 .1rem}
.pg-what{background:var(--cream);border:1px solid var(--line);border-radius:20px;padding:1.6rem 1.8rem;margin-bottom:1rem}
.pg-what h2{margin-top:0!important}
.pg-what p:last-child{margin-bottom:0}
.why-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin:1.1rem 0 1.6rem}
.wc{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:14px;padding:1.1rem 1.3rem;transition:.25s}
.wc:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.wc h3{font-size:1.02rem;margin-bottom:.3rem}.wc p{margin:0;color:var(--mute);font-size:.93rem}
.faq{margin-top:1rem}
.faq details{border:1px solid var(--line);border-radius:14px;margin:.7rem 0;background:#fff;transition:box-shadow .2s}
.faq details[open]{box-shadow:var(--shadow);border-color:var(--gold-soft)}
.faq summary{cursor:pointer;padding:1rem 3rem 1rem 1.2rem;font-weight:700;color:var(--navy);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:1.1rem;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center;font-size:1.1rem;line-height:1}
.faq details[open] summary:after{content:"\2212";background:var(--navy);color:var(--gold2)}
.faq details p{padding:0 1.2rem 1.1rem;margin:0;color:var(--mute)}
.kids-h{margin-top:3rem;font-size:1.6rem}
.type-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:.9rem;margin:1rem 0 1.6rem}
.tg{background:var(--cream);border:1px solid var(--line);border-radius:14px;padding:1rem 1.2rem}
.tg h3{font-size:1rem;margin-bottom:.25rem}.tg p{margin:0;color:var(--mute);font-size:.9rem}
.choose-list{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin:1rem 0 1.6rem}
.ch{display:flex;gap:.9rem;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.1rem 1.2rem}
.ch-ico{flex:none;width:32px;height:32px;border-radius:50%;background:var(--navy);color:var(--gold2);display:grid;place-items:center;font-weight:800}
.ch h3{font-size:1.02rem;margin-bottom:.25rem}.ch p{margin:0;color:var(--mute);font-size:.92rem}
.cta-inline{display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap;margin:2rem 0;padding:1.4rem 1.6rem;border-radius:18px;background:linear-gradient(120deg,var(--navy),var(--navy2));color:#c9d3e8}
.cta-inline h3{color:#fff;margin:0 0 .2rem}.cta-inline p{margin:0}
@media(max-width:600px){.choose-list{grid-template-columns:1fr}}
.kid-group{margin-top:3rem}
.kg-head{display:flex;gap:1rem;align-items:center;border-bottom:2px solid var(--gold-soft);padding-bottom:.9rem;margin-bottom:1.2rem}
.kg-head .si{width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2)}
.kg-head .si svg{width:24px;height:24px}
.kg-head h2{margin:0;font-size:1.5rem}.kg-head h2 a{color:inherit;text-decoration:none}.kg-head h2 a:hover{color:var(--gold)}
.kg-head p{margin:.15rem 0 0;color:var(--mute)}
.mini-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:.9rem}
.mini{display:flex;gap:.85rem;align-items:flex-start;padding:1rem 1.1rem;border:1px solid var(--line);border-radius:14px;text-decoration:none;color:var(--ink);background:#fff;transition:.25s}
.mini:hover{border-color:var(--gold);box-shadow:var(--shadow);transform:translateY(-3px)}
.mini-ico{flex:none;width:42px;height:42px;border-radius:12px;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center}
.mini-ico svg{width:22px;height:22px}
.mini b{display:block;color:var(--navy);font-size:.98rem;line-height:1.3}
.mini small{display:block;color:var(--mute);font-size:.84rem;line-height:1.45;margin-top:.25rem}
.side-box h4 a{color:inherit;text-decoration:none}.side-box h4 a:hover{color:var(--gold)}
@media(max-width:960px){
  .menu li.has-mega{position:relative}
  .sub.mega2{width:auto;padding:.3rem 0 .6rem;border-top:0}
  .menu li.open>.sub.mega2{display:block}
  .mega-cols{columns:1}
  .sub .m-all{text-align:left}
}
@media(max-width:600px){.why-cards{grid-template-columns:1fr}.pg-what{padding:1.3rem}}

/* ---------- v9: floating social bar (right edge, vertically centred) ---------- */
.side-social{position:fixed;right:0;top:50%;transform:translateY(-50%);z-index:45;display:flex;flex-direction:column;align-items:flex-end;box-shadow:-4px 6px 18px rgba(0,0,0,.18);border-radius:8px 0 0 8px;overflow:hidden}
.side-social a{display:flex;align-items:center;gap:.6rem;width:46px;height:46px;padding:0 12px;color:#fff;text-decoration:none;font-weight:600;font-size:.88rem;white-space:nowrap;overflow:hidden;transition:width .3s ease,filter .2s}
.side-social a svg{flex:none;width:22px;height:22px}
.side-social a span{opacity:0;transition:opacity .2s}
.side-social a:hover,.side-social a:focus-visible{width:140px;filter:brightness(1.08)}
.side-social a:hover span,.side-social a:focus-visible span{opacity:1}
.ss-whatsapp{background:#25D366}.ss-facebook{background:#1877F2}.ss-linkedin{background:#0A66C2}.ss-youtube{background:#FF0000}
.ss-instagram{background:linear-gradient(45deg,#f09433,#e6683c 30%,#dc2743 55%,#cc2366 80%,#bc1888)}
.ss-twitter{background:#000}.ss-telegram{background:#229ED9}
@media(max-width:600px){
  .side-social a{width:38px;height:38px;padding:0 9px}.side-social a svg{width:20px;height:20px}
  .side-social a:hover{width:38px}.side-social a span{display:none}
  .nav-open .side-social,.v-tool_form .side-social{display:none}
}
@media print{.side-social{display:none}}

/* ---------- v8: founder profile ---------- */
.founder{align-items:start}
.fp{position:relative;max-width:440px;width:100%}
.fp-panel{position:relative;aspect-ratio:4/4.7;border-radius:28px;overflow:hidden;background:linear-gradient(160deg,var(--navy2) 0,var(--navy) 55%,var(--navy3) 100%);box-shadow:var(--shadow-lg)}
.fp-panel:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:32px 32px}
.fp-panel>img{position:absolute;left:50%;bottom:0;height:94%;width:auto;max-width:none;transform:translateX(-50%);z-index:1;filter:drop-shadow(0 18px 30px rgba(0,0,0,.35))}
.fp-panel .monogram{position:absolute;inset:0;border-radius:0}
.fp-name{position:relative;z-index:2;margin:-2.4rem 1.6rem 0;background:#fff;border-radius:16px;padding:1rem 1.3rem;box-shadow:var(--shadow-lg);border-left:4px solid var(--gold)}
.fp-name b{display:block;font:700 1.25rem "Playfair Display",Georgia,serif;color:var(--navy)}
.fp-name span{color:var(--gold);font-weight:600;font-size:.9rem}
.f-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:.8rem;margin:1.8rem 0}
.f-stats>div{background:var(--cream);border:1px solid var(--line);border-radius:14px;padding:1rem .9rem;text-align:center}
.f-stats b{display:block;font:700 1.45rem/1.15 "Playfair Display",Georgia,serif;color:var(--navy)}
.f-stats span{display:block;color:var(--mute);font-size:.8rem;line-height:1.35;margin-top:.25rem}
.f-quote{margin:1.6rem 0;padding:1.2rem 1.4rem;border-left:4px solid var(--gold);background:var(--cream);border-radius:0 14px 14px 0;font:italic 600 1.1rem/1.6 "Playfair Display",Georgia,serif;color:var(--navy)}
.f-cred-h{font-size:1rem;margin:1.6rem 0 .2rem;color:var(--navy)}
@media(max-width:960px){.fp{margin:0 auto}.f-stats{grid-template-columns:1fr 1fr}}

/* ---------- v7: about page ---------- */
.sub-t{font:700 1.5rem/1.25 "Playfair Display",Georgia,serif;color:var(--navy);margin:0 0 1rem}
.sub-t.center{text-align:center;margin:4rem 0 1.8rem}
.story-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:4rem;align-items:center}
.story-img{position:relative}
.story-img img{width:100%;aspect-ratio:4/3.2;object-fit:cover;border-radius:24px;box-shadow:var(--shadow-lg)}
.story-img:before{content:"";position:absolute;inset:-14px auto auto -14px;width:45%;height:55%;border:2px solid var(--gold2);border-radius:24px;z-index:-1}
.profile .wrap{position:relative;z-index:0}
.mv-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:4rem}
.mv-card{display:flex;gap:1.2rem;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:22px;padding:2rem;box-shadow:var(--shadow)}
.mv-card h3{font:700 1.3rem "Playfair Display",Georgia,serif;margin-bottom:.5rem}
.mv-card p{margin:0;color:var(--mute)}
.mv-card.navy{background:linear-gradient(135deg,var(--navy),var(--navy2));border-color:transparent}
.mv-card.navy h3{color:#fff}.mv-card.navy p{color:#c9d3e8}
.mv-ico{flex:none;width:56px;height:56px;border-radius:16px;display:grid;place-items:center;background:var(--gold-soft);color:var(--gold)}
.mv-card.navy .mv-ico{background:rgba(226,195,107,.16);color:var(--gold2)}
.values-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.val{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:18px;padding:1.6rem 1.4rem;transition:.3s}
.val:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.val-ico{display:grid;place-items:center;width:48px;height:48px;border-radius:12px;background:var(--navy);color:var(--gold2);margin-bottom:1rem}
.val h4{font-size:1.08rem;margin-bottom:.35rem}.val p{margin:0;color:var(--mute);font-size:.93rem}

.saksham-band{background:linear-gradient(135deg,var(--navy) 0,var(--navy3) 100%);padding:5rem 0;color:#c9d3e8;position:relative;overflow:hidden}
.saksham-band:before{content:"SAKSHAM";position:absolute;left:50%;bottom:-.25em;transform:translateX(-50%);font:700 clamp(6rem,18vw,15rem)/1 "Playfair Display",Georgia,serif;color:rgba(255,255,255,.03);letter-spacing:.08em;white-space:nowrap;pointer-events:none}
.saksham-band h2{color:#fff}.saksham-band h2 em{color:var(--gold2)}.saksham-band .head p{color:#c9d3e8}
.acr-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(7,1fr);gap:1rem;position:relative}
.acr{text-align:center;background:rgba(255,255,255,.04);border:1px solid rgba(226,195,107,.22);border-radius:18px;padding:1.6rem .9rem;transition:.3s}
.acr:hover{background:rgba(255,255,255,.08);border-color:var(--gold2);transform:translateY(-5px)}
.acr-l{display:grid;place-items:center;width:64px;height:64px;margin:0 auto 1rem;border-radius:50%;background:linear-gradient(135deg,#c9a24a,var(--gold2));color:var(--navy3);font:700 2rem "Playfair Display",Georgia,serif;box-shadow:0 0 0 6px rgba(226,195,107,.12)}
.acr h3{color:#fff;font-size:1.05rem;margin-bottom:.4rem}
.acr p{margin:0;font-size:.86rem;line-height:1.5;color:#b9c4dd}

.serve-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.serve{position:relative;background:#fff;border:1px solid var(--line);border-radius:20px;padding:2rem 1.8rem;overflow:hidden;transition:.3s}
.serve:before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--gold);transform:scaleY(0);transform-origin:top;transition:transform .35s}
.serve:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}.serve:hover:before{transform:scaleY(1)}
.serve-no{position:absolute;right:1.4rem;top:1.1rem;font:700 2.4rem "Playfair Display",Georgia,serif;color:var(--gold-soft)}
.serve-ico{display:grid;place-items:center;width:56px;height:56px;border-radius:16px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:var(--gold2);margin-bottom:1.2rem}
.serve h3{font-size:1.12rem;margin-bottom:.45rem}.serve p{margin:0;color:var(--mute);font-size:.94rem}

.why-ab{display:grid;grid-template-columns:.9fr 1.1fr;gap:4rem;align-items:start}
.why-ab>div>p{color:var(--mute)}
.mini-stats{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:2rem}
.mini-stats>div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.2rem 1.4rem}
.mini-stats b{display:block;font:700 1.9rem/1.1 "Playfair Display",Georgia,serif;color:var(--navy)}.mini-stats span{color:var(--mute);font-size:.9rem}
.why-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}
.why-list li{display:flex;gap:.9rem;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.3rem}
.wl-ico{flex:none;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--gold-soft);color:var(--gold)}
.why-list h3{font-size:1rem;margin-bottom:.3rem}.why-list p{margin:0;color:var(--mute);font-size:.9rem}

@media(max-width:1080px){
  .acr-grid{grid-template-columns:repeat(4,1fr)}
  .values-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:960px){
  .story-grid,.why-ab,.mv-grid{grid-template-columns:1fr;gap:2.5rem}
  .serve-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .acr-grid{grid-template-columns:1fr 1fr}
  .values-grid,.serve-grid,.why-list,.mini-stats{grid-template-columns:1fr}
  .mv-card{padding:1.5rem}
  .story-img:before{display:none}
}