/* ============================================================
   NIRAMAYI INVESTMART — DESIGN SYSTEM
   Dark premium navy + champagne gold. Editorial serif + clean sans.
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;1,400&family=Inter:wght@400;500;600&display=swap');

:root{
  --navy-900:#0B1118;
  --navy-800:#111923;
  --card:#151E28;
  --card-border:#232E3A;
  --white:#F5F3EE;
  --grey:#A7AFB8;
  --gold:#c9a96e;
  --gold-soft:rgba(201,169,110,0.14);
  --emerald:#1D6B58;

  --serif:'Cormorant Garamond', Georgia, serif;
  --sans:'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --max-w:1280px;
  --gutter:clamp(24px, 5vw, 80px);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --t-fast: 250ms;
  --t-med: 700ms;

  --header-h: 92px;
  --header-h-scrolled: 72px;
}

*{ box-sizing:border-box; margin:0; padding:0; }
html{ scroll-behavior:smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  *{ animation-duration:0.01ms !important; animation-iteration-count:1 !important; transition-duration:0.01ms !important; scroll-behavior:auto !important; }
}

body{
  background:var(--navy-900);
  color:var(--white);
  font-family:var(--sans);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

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

.container{
  max-width:var(--max-w);
  margin:0 auto;
  padding:0 var(--gutter);
}

h1,h2,h3,h4{
  font-family:var(--serif);
  font-weight:500;
  line-height:1.1;
  letter-spacing:-0.01em;
}

p{ color:var(--grey); max-width:62ch; }

::selection{ background:var(--gold); color:var(--navy-900); }

:focus-visible{
  outline:2px solid var(--gold);
  outline-offset:3px;
}
/* ---------- Portfolio review popup (homepage only) ---------- */
.portfolio-popup-overlay{
  position:fixed; inset:0; z-index:1300;
  background:rgba(11,17,24,0.72);
  backdrop-filter:blur(6px);
  display:flex; align-items:center; justify-content:center;
  padding:24px;
  opacity:0; visibility:hidden;
  transition:opacity 400ms var(--ease), visibility 400ms;
}
.portfolio-popup-overlay.open{ opacity:1; visibility:visible; }
.portfolio-popup-card{
  position:relative;
  max-width:420px; width:100%;
  background:var(--navy-800);
  border:1px solid var(--gold);
  padding:44px 38px 38px;
  text-align:center;
  transform:translateY(18px) scale(0.97);
  transition:transform 450ms var(--ease);
  box-shadow:0 30px 70px rgba(0,0,0,0.5);
}
.portfolio-popup-overlay.open .portfolio-popup-card{ transform:translateY(0) scale(1); }
.portfolio-popup-card .eyebrow{ display:block; margin-bottom:14px; }
.portfolio-popup-card h3{ font-size:28px; margin-bottom:16px; color:var(--white); }
.portfolio-popup-card p{ font-size:14.5px; margin:0 auto 10px; color:var(--grey); }
.portfolio-popup-card p strong{ color:var(--gold); font-weight:600; }
.portfolio-popup-note{ font-size:12px !important; color:var(--gold) !important; opacity:0.85; font-style:italic; margin-bottom:26px !important; }
.portfolio-popup-btn{ width:100%; justify-content:center; margin-top:6px; }
.portfolio-popup-close{
  position:absolute; top:14px; right:16px;
  background:none; border:none; color:var(--grey); font-size:26px; line-height:1;
  cursor:pointer; padding:4px; transition:color var(--t-fast) var(--ease);
}
.portfolio-popup-close{
  position:absolute; top:14px; right:16px;
  background:none; border:none; color:var(--grey); font-size:26px; line-height:1;
  cursor:pointer; padding:4px; transition:color var(--t-fast) var(--ease), opacity var(--t-fast) var(--ease);
  opacity:0; pointer-events:none; /* hidden until the 3s delay below reveals it */
}
.portfolio-popup-close.show{ opacity:1; pointer-events:auto; }
.portfolio-popup-close:hover{ color:var(--gold); }}

@media (max-width:480px){
  .portfolio-popup-card{ padding:36px 26px 30px; }
  .portfolio-popup-card h3{ font-size:23px; }
}

/* ---------- Type scale ---------- */
.h-hero{ font-size:clamp(38px, 6.5vw, 84px); }
.h-section{ font-size:clamp(32px, 4.5vw, 56px); }
.h-card{ font-size:22px; }
.eyebrow{
  font-family:var(--sans);
  font-size:13px;
  font-weight:600;
  letter-spacing:0.14em;
  color:var(--gold);
}
.lede{ font-size:clamp(16px,1.6vw,19px); color:var(--grey); }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  gap: 8px;
  padding:10px 15px;
  border-radius:2px;
  font-size:15px;
  font-weight:500;
  border:1px solid var(--gold);
  transition:transform var(--t-fast) var(--ease), background var(--t-fast) var(--ease), color var(--t-fast) var(--ease);
  white-space:nowrap;
}
.btn-primary{
  background:var(--gold);
  color:var(--navy-900);
}
.btn-primary:hover{ transform:translateY(-2px); background:#dcc088; }
.btn-secondary{
  background:transparent;
  color:var(--white);
  border-color:var(--card-border);
}
.btn-secondary:hover{
  border-color:var(--gold);
  color:var(--gold);
  transform:translateY(-2px);
}
.btn:active{ transform:scale(0.98); }

.text-link{
  position:relative;
  display:inline-block;
  color:var(--white);
}
.text-link::after{
  content:'';
  position:absolute; left:0; bottom:-2px;
  width:0; height:1px;
  background:var(--gold);
  transition:width var(--t-fast) var(--ease);
}
.text-link:hover::after{ width:100%; }

/* ---------- Header ---------- */
.site-header{
  position:fixed; top:0; left:0; right:0;
  z-index:1000;
  height:var(--header-h);
  display:flex; align-items:center;
  transition:height 350ms var(--ease), background 350ms var(--ease), border-color 350ms var(--ease), backdrop-filter 350ms var(--ease);
  border-bottom:1px solid transparent;
}
.site-header.scrolled{
  height:var(--header-h-scrolled);
  background:rgba(11,17,24,0.86);
  backdrop-filter:blur(14px);
  border-bottom-color:var(--card-border);
}
.site-header .container{
  display:flex; align-items:center; justify-content:space-between;
  width:100%;
}
.brand{
  font-family:var(--serif);
  font-size:21px;
  letter-spacing:0.03em;
  color:var(--white);
}
.brand span{ color:var(--gold); }

.nav-desktop{ display:flex; align-items:center; gap:40px; }
.nav-desktop ul{ display:flex; gap:34px; }
.nav-desktop a{
  position:relative;
  font-size:14.5px;
  color:var(--white);
  padding-bottom:6px;
}
.nav-desktop a::after{
  content:'';
  position:absolute; left:0; bottom:0;
  width:0; height:1px;
  background:var(--gold);
  transition:width var(--t-fast) var(--ease);
}
.nav-desktop a:hover::after, .nav-desktop a.active::after{ width:100%; }
.nav-desktop a.active{ color:var(--gold); }

.header-cta{ display:flex; align-items:center; gap:24px; }
.hamburger{
  display:none;
  width:26px; height:18px;
  position:relative;
  background:none; border:none;
}
.hamburger span{
  position:absolute; left:0; right:0; height:1px; background:var(--white);
  transition:transform 300ms var(--ease), opacity 300ms var(--ease);
}
.hamburger span:nth-child(1){ top:0; }
.hamburger span:nth-child(2){ top:8px; }
.hamburger span:nth-child(3){ top:16px; }
.hamburger.open span:nth-child(1){ transform:translateY(8px) rotate(45deg); }
.hamburger.open span:nth-child(2){ opacity:0; }
.hamburger.open span:nth-child(3){ transform:translateY(-8px) rotate(-45deg); }

/* ---------- Mobile nav ---------- */
.nav-mobile{
  position:fixed; top:0; right:0; bottom:0;
  width:min(360px, 86vw);
  background:var(--navy-800);
  border-left:1px solid var(--card-border);
  z-index:1100;
  transform:translateX(100%);
  transition:transform 560ms var(--ease);
  display:flex; flex-direction:column;
  padding:100px 36px 40px;
}
.nav-mobile.open{ transform:translateX(0); }
.nav-mobile ul{ display:flex; flex-direction:column; gap:22px; margin-bottom:36px; }
.nav-mobile li{ opacity:0; transform:translateY(15px); transition:opacity 400ms var(--ease), transform 400ms var(--ease); }
.nav-mobile.open li{ opacity:1; transform:translateY(0); }
.nav-mobile a{ font-family:var(--serif); font-size:26px; }
.nav-mobile .mobile-meta{ margin-top:auto; color:var(--grey); font-size:14px; display:flex; flex-direction:column; gap:8px; }
.nav-mobile-close{
  position:absolute; top:32px; right:32px;
  background:none; border:none; color:var(--white); font-size:14px;
}
.nav-scrim{
  position:fixed; inset:0; background:rgba(11,17,24,0.6);
  z-index:1050; opacity:0; pointer-events:none; transition:opacity 400ms var(--ease);
}
.nav-scrim.open{ opacity:1; pointer-events:auto; }
body.menu-open{ overflow:hidden; }

/* ---------- Sections / layout ---------- */
section{ padding:clamp(64px,10vw,140px) 0; }
.section-head{ margin-bottom:56px; max-width:640px; }
.section-head .eyebrow{ display:block; margin-bottom:14px; }
.section-head h2{ margin-bottom:16px; }

.split{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:clamp(32px,6vw,96px);
  align-items:center;
}
@media (max-width:860px){ .split{ grid-template-columns:1fr; } }
.split.alt > *:first-child{ order:2; }
.split.alt > *:last-child{ order:1; }
@media (max-width:860px){ .split.alt > *:first-child{ order:1; } .split.alt > *:last-child{ order:2; } }

/* ---------- Reveal animation ---------- */
.reveal{ opacity:0; transform:translateY(30px); transition:opacity 750ms var(--ease), transform 750ms var(--ease); }
.reveal.in{ opacity:1; transform:translateY(0); }
.reveal-left{ opacity:0; transform:translateX(-40px); transition:opacity 800ms var(--ease), transform 800ms var(--ease); }
.reveal-left.in{ opacity:1; transform:translateX(0); }
.reveal-right{ opacity:0; transform:translateX(40px); transition:opacity 800ms var(--ease), transform 800ms var(--ease); }
.reveal-right.in{ opacity:1; transform:translateX(0); }
.reveal-scale{ opacity:0; transform:scale(0.96); transition:opacity 900ms var(--ease), transform 900ms var(--ease); }
.reveal-scale.in{ opacity:1; transform:scale(1); }

/* ---------- Hero (full-bleed photographic, MoneyFlow-inspired layout) ---------- */
.hero{
  min-height:100vh;
  display:flex; flex-direction:column; justify-content:space-between;
  padding-top:calc(var(--header-h) + 56px);
  padding-bottom:64px;
  position:relative;
  overflow:hidden;
}
.hero-bg{ position:absolute; inset:0; z-index:-2; }
.hero-bg img{
  width:100%; height:100%; object-fit:cover;
  transform:scale(1.08);
  animation:heroKenBurns 16s var(--ease) forwards;
}
@keyframes heroKenBurns{ to{ transform:scale(1); } }
.hero-overlay{
  position:absolute; inset:0; z-index:-1;
  background:
    linear-gradient(180deg, rgba(11,17,24,0.72) 0%, rgba(11,17,24,0.32) 32%, rgba(11,17,24,0.42) 60%, rgba(11,17,24,0.88) 100%),
    linear-gradient(90deg, rgba(11,17,24,0.55) 0%, rgba(11,17,24,0.05) 45%);
}
.hero-inner{
  display:flex; flex-direction:column; gap:clamp(60px,14vh,160px);
  width:100%;
}
.hero-top{
  align-self:flex-end;
  max-width:440px;
  text-align:left;
}
.hero-top .eyebrow{
  color:var(--gold); display:block; margin-bottom:18px;
  opacity:0; transform:translateY(16px);
  animation:heroFadeUp 700ms var(--ease) 100ms forwards;
}
.hero-top .lede{
  color:var(--white); margin-bottom:26px;
  opacity:0; transform:translateY(16px);
  animation:heroFadeUp 700ms var(--ease) 250ms forwards;
}
.hero-actions{ display:flex; gap:18px; flex-wrap:wrap; align-items:center; }
.hero-top .hero-actions{
  opacity:0; transform:translateY(16px);
  animation:heroFadeUp 700ms var(--ease) 400ms forwards;
  align-items:flex-start;
}
@keyframes heroFadeUp{ to{ opacity:1; transform:translateY(0); } }

.btn-pill{ border-radius:999px; padding:16px 32px; }

/* "Book a Consultation" buttons specifically — slightly more rounded than the
   sharp default, short of a full pill, with a subtle premium hover lift + glow. */
.btn.btn-consult{
  border-radius:14px;
  transition:transform var(--t-fast) var(--ease), background var(--t-fast) var(--ease), color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease);
}
.btn.btn-consult:hover{
  transform:translateY(-2px) scale(1.02);
  box-shadow:0 10px 26px rgba(201,169,110,0.3);
}
.btn.btn-consult:active{ transform:scale(0.97); }

.hero-giant{
  max-width:1200px;
  font-size:clamp(40px, 7.4vw, 108px);
  line-height:0.98;
  color:var(--white);
  margin-top:90px;
}
.hero-giant .accent{ color:var(--gold); }

.hero-line{ overflow:hidden; padding-bottom:0.1em; }
.hero-line span{
  display:block; opacity:0; transform:translateY(72px);
  animation:heroPop 1150ms cubic-bezier(0.16,1,0.3,1) forwards;
  animation-delay:var(--d, 0ms);
}
@keyframes heroPop{ to{ opacity:1; transform:translateY(0); } }

@media (max-width:760px){
  .hero{ padding-top:calc(var(--header-h) + 32px); padding-bottom:40px; }
  .hero-inner{ gap:48px; }
  .hero-top{ align-self:flex-start; max-width:100%; }
}

@media (prefers-reduced-motion: reduce){
  .hero-bg img{ animation:none; transform:scale(1); }
  .hero-top .eyebrow, .hero-top .lede, .hero-top .hero-actions, .hero-line span{
    animation:none; opacity:1; transform:none;
  }
}

.scroll-indicator{
  position:relative; margin-top:8px;
  display:flex; align-items:center; gap:10px; color:var(--grey); font-size:12px;
  opacity:0; animation:heroFadeUp 700ms var(--ease) 1500ms forwards;
}
.scroll-indicator .line{ width:1px; height:38px; background:rgba(245,243,238,0.3); position:relative; overflow:hidden; }
.scroll-indicator .line::after{
  content:''; position:absolute; left:0; top:0; width:100%; height:40%; background:var(--gold);
  animation:scrollPulse 1.8s ease-in-out infinite;
}
@keyframes scrollPulse{ 0%,100%{ transform:translateY(-10%); } 50%{ transform:translateY(160%); } }

/* ---------- Marquee ---------- */
.marquee-section{ padding:34px 0; border-top:1px solid var(--card-border); border-bottom:1px solid var(--card-border); overflow:hidden; }
.marquee{ overflow:hidden; width:100%; }
.marquee-track{
  display:inline-flex; white-space:nowrap; align-items:center;
  animation:marqueeScroll 30s linear infinite;
  will-change:transform;
}
.marquee-track span{ font-family:var(--serif); font-size:19px; color:var(--grey); padding:0 6px; transition:color var(--t-fast) var(--ease); }
.marquee-track .dot{ color:var(--gold); font-family:var(--sans); font-size:12px; padding:0 22px; }
.marquee:hover .marquee-track{ animation-play-state:paused; }
.marquee:hover .marquee-track span:not(.dot){ color:var(--gold); }
@keyframes marqueeScroll{ from{ transform:translateX(0); } to{ transform:translateX(-50%); } }
@media (max-width:700px){
  .marquee-track span{ font-size:14px; }
  .marquee-track .dot{ padding:0 14px; }
  .marquee-track{ animation-duration:22s; }
}
@media (prefers-reduced-motion: reduce){
  .marquee-track{ animation:none; overflow-x:auto; }
}

/* ---------- Cards ---------- */
.card-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
@media (max-width:900px){ .card-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:620px){ .card-grid{ grid-template-columns:1fr; } }

.service-card{
  background:var(--card);
  border:1px solid var(--card-border);
  padding:36px 30px;
  transition:transform var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease);
}
.service-card:hover{ transform:translateY(-5px); border-color:var(--gold); }
.service-card .num{ font-family:var(--serif); color:var(--gold); font-size:15px; margin-bottom:22px; display:block; }
.service-card h3{ font-size:23px; margin-bottom:12px; }
.service-card p{ font-size:15px; margin-bottom:20px; }
.service-card .card-link{ font-size:14px; color:var(--gold); display:inline-flex; align-items:center; gap:6px; }
.service-card .card-link svg{ transition:transform var(--t-fast) var(--ease); }
.service-card:hover .card-link svg{ transform:translateX(5px); }

/* ---------- Statement / dark full-width ---------- */
.statement{
  background:var(--navy-800);
  text-align:left;
  border-top:1px solid var(--card-border);
  border-bottom:1px solid var(--card-border);
  position:relative;
  overflow:hidden;
}
.statement h2{ font-size:clamp(32px,5.4vw,68px); max-width:16ch; }
.statement .sweep{
  position:absolute; top:0; bottom:0; width:120px;
  background:linear-gradient(100deg, transparent, rgba(201,169,110,0.18), transparent);
  transform:translateX(-140%);
}
.statement.in .sweep{ animation:sweep 1.5s var(--ease) forwards; }
@keyframes sweep{ to{ transform:translateX(220%); } }

/* ---------- Journey / process ---------- */
.journey-track{ position:relative; display:grid; grid-template-columns:repeat(4,1fr); gap:32px; margin-top:56px; }
.journey-track::before{
  content:''; position:absolute; top:11px; left:0; right:0; height:1px; background:var(--card-border);
}
.journey-track .fill{
  position:absolute; top:11px; left:0; height:1px; background:var(--gold); width:0;
  transition:width 1.1s var(--ease);
}
.journey-track.in .fill{ width:100%; }
@media (max-width:760px){
  .journey-track{ grid-template-columns:1fr; gap:36px; }
  .journey-track::before{ display:none; }
}
.journey-step .dot{ width:23px; height:23px; border-radius:50%; border:1px solid var(--gold); background:var(--navy-900); position:relative; margin-bottom:24px; }
.journey-step .num-label{ font-family:var(--serif); color:var(--gold); font-size:14px; margin-bottom:10px; display:block; }
.journey-step h4{ font-size:19px; margin-bottom:8px; }
.journey-step p{ font-size:14.5px; }

/* ---------- Calculators preview ---------- */
.calc-preview-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
@media (max-width:900px){ .calc-preview-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:560px){ .calc-preview-grid{ grid-template-columns:1fr; } }
.calc-mini{
  background:var(--card); border:1px solid var(--card-border); padding:26px;
  transition:transform var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease);
}
.calc-mini:hover{ transform:translateY(-4px); border-color:var(--gold); }
.calc-mini h4{ font-size:18px; margin-bottom:8px; }
.calc-mini p{ font-size:13.5px; }

/* ---------- Step-Up Goal Planner: comparison rows + yearly matrix table ---------- */
.stepup-subhead{ font-size:12px; color:var(--grey); margin:22px 0 10px; }
.stepup-compare-list{ display:flex; flex-direction:column; gap:1px; background:var(--card-border); border:1px solid var(--card-border); }
.stepup-compare-row{
  display:flex; justify-content:space-between; align-items:center;
  background:var(--card); padding:10px 14px; font-size:13.5px; color:var(--grey);
}
.stepup-compare-row span:last-child{ font-family:var(--serif); color:var(--white); font-size:15px; }
.stepup-compare-row.is-selected{ background:var(--gold-soft); }
.stepup-compare-row.is-selected span:first-child{ color:var(--gold); }
.stepup-compare-row.is-selected span:last-child{ color:var(--gold); }

.stepup-matrix-scroll{ max-height:320px; overflow-y:auto; overflow-x:auto; border:1px solid var(--card-border); }
.stepup-matrix-table{ width:100%; border-collapse:collapse; font-size:13px; white-space:nowrap; }
.stepup-matrix-table th{
  position:sticky; top:0; background:var(--navy-800); color:var(--gold);
  text-align:left; font-weight:500; font-family:var(--sans); font-size:11.5px;
  letter-spacing:0.06em; padding:10px 14px; border-bottom:1px solid var(--card-border);
}
.stepup-matrix-table td{ padding:9px 14px; color:var(--grey); border-bottom:1px solid var(--card-border); }
.stepup-matrix-table tr:last-child td{ border-bottom:none; }
.stepup-matrix-table td:nth-child(2), .stepup-matrix-table td:nth-child(3){ color:var(--white); font-family:var(--serif); }

/* ---------- Gallery ---------- */
.gallery-grid{ display:grid; grid-template-columns:repeat(6,1fr); gap:16px; }
.gallery-grid .g-item{ position:relative; overflow:hidden; border:1px solid var(--card-border); cursor:pointer; }
.gallery-grid .g-item.g-placeholder{
  cursor:default; aspect-ratio:4/3; display:flex; align-items:center; justify-content:center;
  text-align:center; padding:20px; border:1px dashed var(--card-border); background:var(--card);
}
.gallery-grid .g-item.g-placeholder .placeholder-note{ font-size:12.5px; margin:0; }
.gallery-grid .g-item.g-placeholder:hover{ border-color:var(--gold); }

/* ---------- Gallery marquee sliders (Awards + Team) ---------- */
.gallery-marquee{ overflow:hidden; width:100%; }
.gallery-marquee-track{
  display:flex; gap:22px; width:max-content;
  animation:galleryMarquee 40s linear infinite;
}
.gallery-marquee-track.team-track{ animation-duration:32s; }
.gallery-marquee:hover .gallery-marquee-track{ animation-play-state:paused; }
@keyframes galleryMarquee{ from{ transform:translateX(0); } to{ transform:translateX(-50%); } }

.award-card{
  flex:0 0 auto; width:230px; aspect-ratio:4/3; position:relative; overflow:hidden;
  border:1px solid var(--card-border); cursor:pointer;
}
.award-card img{ width:100%; height:100%; object-fit:cover; transition:transform var(--t-fast) var(--ease); }
.award-card:hover img{ transform:scale(1.04); }
.award-card .award-label{
  position:absolute; bottom:0; left:0; right:0; padding:10px 12px; font-size:12px; color:var(--white);
  background:linear-gradient(180deg, transparent, rgba(11,17,24,0.85));
}

.gallery-marquee-track.team-track .team-item{ flex:0 0 auto; width:220px; }

@media (max-width:760px){
  .award-card{ width:180px; }
  .gallery-marquee-track.team-track .team-item{ width:170px; }
  .gallery-marquee-track{ gap:14px; animation-duration:26s; }
  .gallery-marquee-track.team-track{ animation-duration:22s; }
}
@media (prefers-reduced-motion: reduce){
  .gallery-marquee-track{ animation:none; }
  .gallery-marquee{ overflow-x:auto; }
}
.gallery-grid .g-item img{ width:100%; height:100%; object-fit:cover; transition:transform var(--t-fast) var(--ease); }
.gallery-grid .g-item:hover img{ transform:scale(1.04); }
.gallery-grid .g-item::after{
  content:'VIEW'; position:absolute; inset:0; display:flex; align-items:center; justify-content:center;
  font-size:12px; letter-spacing:0.14em; color:var(--white); background:rgba(11,17,24,0.35); opacity:0;
  transition:opacity var(--t-fast) var(--ease);
}
.gallery-grid .g-item:hover::after{ opacity:1; }
.gallery-grid .span-2{ grid-column:span 2; }
.gallery-grid .span-3{ grid-column:span 3; }
.gallery-grid .row-2{ grid-row:span 2; }
@media (max-width:900px){ .gallery-grid{ grid-template-columns:repeat(2,1fr); } .gallery-grid .span-2,.gallery-grid .span-3{ grid-column:span 2; } .gallery-grid .row-2{ grid-row:auto; } }

.lightbox{
  position:fixed; inset:0; background:rgba(11,17,24,0.92); z-index:1200;
  display:flex; align-items:center; justify-content:center; opacity:0; pointer-events:none;
  transition:opacity 350ms var(--ease); padding:40px;
}
.lightbox.open{ opacity:1; pointer-events:auto; }
.lightbox img{ max-width:min(880px,100%); max-height:80vh; transform:scale(0.96); transition:transform 350ms var(--ease); border:1px solid var(--card-border); }
.lightbox.open img{ transform:scale(1); }
.lightbox-close{ position:absolute; top:30px; right:36px; background:none; border:none; color:var(--white); font-size:14px; }

/* ---------- Blog ---------- */
.blog-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
@media (max-width:900px){ .blog-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:620px){ .blog-grid{ grid-template-columns:1fr; } }
.blog-card{ display:block; }
.blog-card .thumb{ aspect-ratio:4/3; overflow:hidden; border:1px solid var(--card-border); margin-bottom:18px; }
.blog-card .thumb img{ width:100%; height:100%; object-fit:cover; transition:transform var(--t-fast) var(--ease); }
.blog-card:hover .thumb img{ transform:scale(1.04); }
.blog-card .meta{ display:flex; gap:14px; font-size:12.5px; color:var(--grey); margin-bottom:10px; }
.blog-card .category{ color:var(--gold); transition:color var(--t-fast) var(--ease); }
.blog-card h3{ font-size:22px; margin-bottom:10px; }
.blog-card p{ font-size:14.5px; margin-bottom:14px; }
.blog-card .read-more{ font-size:13.5px; color:var(--gold); display:inline-flex; gap:6px; align-items:center; }
.blog-card .read-more svg{ transition:transform var(--t-fast) var(--ease); }
.blog-card:hover .read-more svg{ transform:translateX(5px); }
.blog-filters{ display:flex; flex-wrap:wrap; gap:10px; margin-bottom:44px; }
.blog-filters button{
  background:none; border:1px solid var(--card-border); color:var(--grey); padding:9px 18px; font-size:13.5px;
  transition:all var(--t-fast) var(--ease);
}
.blog-filters button.active, .blog-filters button:hover{ border-color:var(--gold); color:var(--gold); }

/* ---------- Final CTA ---------- */
.final-cta{ background:var(--navy-800); text-align:center; border-top:1px solid var(--card-border); }
.final-cta .container{ max-width:760px; }
.final-cta h2{ margin-bottom:20px; }
.final-cta p{ margin:0 auto 36px; }
.final-cta .hero-actions{ justify-content:center; }

/* ---------- Footer ---------- */
footer{ background:var(--navy-800); border-top:1px solid var(--card-border); padding:80px 0 32px; }
.footer-grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:40px; margin-bottom:56px; }
@media (max-width:760px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:480px){ .footer-grid{ grid-template-columns:1fr; } }
.footer-grid h5{ font-size:13px; letter-spacing:0.08em; color:var(--white); margin-bottom:18px; font-family:var(--sans); font-weight:600; }
.footer-grid ul{ display:flex; flex-direction:column; gap:11px; }
.footer-grid a, .footer-grid li{ font-size:14px; color:var(--grey); }
.footer-grid a:hover{ color:var(--gold); }
.footer-brand p{ font-size:14px; margin:16px 0 20px; }
.social-row{ display:flex; gap:16px; }
.social-row a{ transition:transform var(--t-fast) var(--ease), color var(--t-fast) var(--ease); }
.social-row a:hover{ transform:translateY(-3px); color:var(--gold); }
.footer-bottom{ display:flex; justify-content:space-between; flex-wrap:wrap; gap:12px; padding-top:28px; border-top:1px solid var(--card-border); font-size:12.5px; color:var(--grey); }
.footer-disclaimer{ font-size:12px; color:var(--grey); max-width:none; margin-top:24px; line-height:1.7; }

/* ---------- Forms ---------- */
.field{ margin-bottom:22px; }
.field label{ display:block; font-size:13px; color:var(--grey); margin-bottom:8px; }
.field input, .field textarea{
  width:100%; background:var(--card); border:1px solid var(--card-border); padding:14px 16px;
  color:var(--white); transition:border-color 200ms var(--ease);
}
.field input:focus, .field textarea:focus{ outline:none; border-color:var(--gold); }
.form-success{ display:none; background:var(--gold-soft); border:1px solid var(--gold); padding:18px 20px; font-size:14.5px; margin-top:20px; color:var(--white); }
.form-success.show{ display:block; }

/* ---------- Calculator page ---------- */
.calc-tabs{ display:flex; flex-wrap:wrap; gap:10px; margin-bottom:48px; }
.calc-tabs button{
  background:none; border:1px solid var(--card-border); color:var(--grey); padding:12px 22px; font-size:14px;
  transition:all var(--t-fast) var(--ease);
}
.calc-tabs button.active{ border-color:var(--gold); color:var(--gold); background:var(--gold-soft); }
.calc-panel{ display:none; }
.calc-panel.active{ display:grid; grid-template-columns:1fr 1fr; gap:56px; }
@media (max-width:820px){ .calc-panel.active{ grid-template-columns:1fr; } }
.calc-inputs input[type=range]{ width:100%; accent-color:var(--gold); background:transparent; }
.calc-results{ background:var(--card); border:1px solid var(--card-border); padding:36px; align-self:start; }
.calc-results .result-row{ display:flex; justify-content:space-between; padding:16px 0; border-bottom:1px solid var(--card-border); }
.calc-results .result-row:last-child{ border-bottom:none; }
.calc-results .result-row .label{ color:var(--grey); font-size:14px; }
.calc-results .result-row .value{ font-family:var(--serif); font-size:22px; transition:opacity 200ms ease; }
.calc-results .value.pulse{ animation:pulseVal 400ms ease; }
@keyframes pulseVal{ 0%{opacity:0.3;} 100%{opacity:1;} }
.calc-note{ font-size:12.5px; color:var(--grey); margin-top:18px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero{ padding-top:calc(var(--header-h) + 80px); padding-bottom:64px; }
.page-hero h1{ margin-bottom:18px; }
.page-hero .lede{ max-width:640px; }

/* ---------- Utility ---------- */
.tag-list{ display:flex; flex-wrap:wrap; gap:10px; }
.tag{ border:1px solid var(--card-border); padding:8px 16px; font-size:13px; color:var(--grey); }
.divider{ height:1px; background:var(--card-border); margin:64px 0; }
.two-col{ display:grid; grid-template-columns:1fr 1fr; gap:40px; }
@media (max-width:760px){ .two-col{ grid-template-columns:1fr; } }
.stack{ display:flex; flex-direction:column; gap:14px; }
.placeholder-note{ font-size:12.5px; color:var(--gold); opacity:0.8; font-style:italic; }

.disclaimer-box{
  background:var(--card); border:1px solid var(--card-border); padding:24px 28px; font-size:13px; color:var(--grey); line-height:1.7;
}

@media (max-width:1024px){
  .nav-desktop{ display:none; }
  .hamburger{ display:block; }
  .journey-track{ gap:44px; }
}

/* ---------- WhatsApp floating button ---------- */
.whatsapp-float{
  position:fixed; right:22px; bottom:22px; z-index:900;
  width:56px; height:56px; border-radius:50%;
  background:#25D366; color:#0B1118;
  display:flex; align-items:center; justify-content:center;
  box-shadow:0 8px 24px rgba(0,0,0,0.35);
  opacity:0; transform:translateY(14px) scale(0.9);
  animation:waEnter 500ms var(--ease) 900ms forwards, waPulse 4.5s ease-in-out 3s infinite;
  transition:transform 250ms var(--ease);
}
.whatsapp-float:hover{ transform:scale(1.08); }
@keyframes waEnter{ to{ opacity:1; transform:translateY(0) scale(1); } }
@keyframes waPulse{ 0%,92%,100%{ box-shadow:0 8px 24px rgba(0,0,0,0.35); } 96%{ box-shadow:0 8px 24px rgba(0,0,0,0.35), 0 0 0 8px rgba(37,211,102,0.18); } }
@media (max-width:600px){ .whatsapp-float{ right:16px; bottom:16px; width:50px; height:50px; } }
@media (prefers-reduced-motion: reduce){ .whatsapp-float{ animation:waEnter 1ms forwards; } }

/* ---------- Testimonials ---------- */
.testimonial-carousel{ position:relative; }
.testimonial-track{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }
@media (max-width:900px){ .testimonial-track{ grid-template-columns:1fr; } }
.testimonial-card{
  background:var(--card); border:1px solid var(--card-border); padding:34px 30px;
  transition:transform var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease);
}
.testimonial-card:hover{ border-color:var(--gold); }
.quote-mark{ font-family:var(--serif); font-size:52px; color:var(--gold); line-height:1; margin-bottom:8px; }
.quote-text{ font-size:15px; margin-bottom:18px; line-height:1.7; }
.quote-name{ font-family:var(--serif); font-size:16px; color:var(--white); }
.testimonial-dots{ display:flex; justify-content:center; gap:8px; margin-top:32px; }
.testimonial-dots button{ width:8px; height:8px; border-radius:50%; border:1px solid var(--card-border); background:transparent; padding:0; }
.testimonial-dots button.active{ background:var(--gold); border-color:var(--gold); }

/* ---------- Team ---------- */
.team-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:26px; }
@media (max-width:760px){ .team-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:500px){ .team-grid{ grid-template-columns:1fr; } }
.team-item{ position:relative; aspect-ratio:3/4; overflow:hidden; border:1px solid var(--card-border); cursor:pointer; }
.team-item img{ width:100%; height:100%; object-fit:cover; transition:transform var(--t-fast) var(--ease); }
.team-item:hover img, .team-item.tapped img{ transform:scale(1.04); }
.team-overlay{
  position:absolute; inset:0; display:flex; flex-direction:column; justify-content:flex-end;
  padding:22px; background:linear-gradient(180deg, transparent 40%, rgba(11,17,24,0.92) 100%);
  opacity:0; transition:opacity 350ms var(--ease);
}
.team-item:hover .team-overlay, .team-item:focus-visible .team-overlay, .team-item.tapped .team-overlay{ opacity:1; }
.team-name{ font-family:var(--serif); font-size:19px; color:var(--gold); transform:translateY(15px); transition:transform 350ms var(--ease); display:block; }
.team-role{ font-size:12.5px; margin:4px 0 8px; display:block; transform:translateY(15px); transition:transform 350ms var(--ease) 40ms; }
.team-intro{ font-size:12.5px; color:var(--grey); transform:translateY(15px); transition:transform 350ms var(--ease) 80ms; max-width:none; }
.team-item:hover .team-name, .team-item:hover .team-role, .team-item:hover .team-intro,
.team-item.tapped .team-name, .team-item.tapped .team-role, .team-item.tapped .team-intro{ transform:translateY(0); }

/* ---------- Senior consultant photo ---------- */
.consultant-photo{ position:relative; aspect-ratio:4/5; overflow:hidden; border:1px solid var(--gold); }
.consultant-photo img{ width:100%; height:100%; object-fit:cover; transition:transform var(--t-fast) var(--ease); }
.consultant-photo:hover img{ transform:scale(1.02); }

/* ---------- Contact visual ---------- */
.contact-visual{ aspect-ratio:4/5; overflow:hidden; border:1px solid var(--card-border); }
.contact-visual img{ width:100%; height:100%; object-fit:cover; }

/* ---------- Calculator number + slider pairing ---------- */
.calc-inputs .field-row{ display:flex; justify-content:space-between; align-items:center; margin-bottom:8px; gap:12px; }
.calc-inputs .field-row label{ font-size:13.5px; color:var(--grey); }
.calc-num{
  width:120px; background:var(--card); border:1px solid var(--card-border); color:var(--gold);
  padding:8px 10px; font-size:14.5px; text-align:right; transition:border-color 200ms var(--ease);
}
.calc-num:focus{ outline:none; border-color:var(--gold); }
.calc-inputs input[type=range]{ margin-bottom:24px; }
.field-error{ color:#d98a8a; font-size:12px; margin:-4px 0 18px; display:none; }
.field-error.show{ display:block; }

/* ---------- SWP: dynamic max-withdrawal note ---------- */
.swp-max-note{ font-size:12px; color:var(--grey); margin:-4px 0 18px; }
.swp-max-note .swp-max-value{ color:var(--gold); font-family:var(--serif); font-size:13px; }
.calc-num.invalid{ border-color:#d98a8a; }

/* ---------- Login dropdown (desktop: hover + click, closes on outside click / Escape) ---------- */
.nav-login{ position:relative; }
.nav-login-toggle{
  background:none; border:none; padding:0 0 6px; margin:0;
  font-family:var(--sans); font-size:14.5px; color:var(--white);
  display:inline-flex; align-items:center; gap:5px; cursor:pointer;
}
.nav-login-caret{ font-size:10px; color:var(--gold); transition:transform var(--t-fast) var(--ease); }
.nav-login:hover .nav-login-caret,
.nav-login.open .nav-login-caret{ transform:rotate(180deg); }
.nav-login-menu{
  position:absolute; top:100%; right:0; left:auto;
  padding-top:14px; /* bridges the gap so hover stays continuous from toggle to card */
  opacity:0; visibility:hidden; transform:translateY(-6px);
  transition:opacity var(--t-fast) var(--ease), transform var(--t-fast) var(--ease), visibility var(--t-fast);
  z-index:1200;
}
.nav-login:hover .nav-login-menu,
.nav-login.open .nav-login-menu{ opacity:1; visibility:visible; transform:translateY(0); }
.nav-login-card{
  min-width:168px; background:var(--navy-800); border:1px solid var(--card-border);
  padding:8px; box-shadow:0 18px 40px rgba(0,0,0,0.35);
}
.nav-login-card a{
  display:block; padding:11px 14px; font-size:14px; color:var(--grey);
  transition:background var(--t-fast) var(--ease), color var(--t-fast) var(--ease);
}
.nav-login-card a:hover{ background:var(--gold-soft); color:var(--gold); }

/* ---------- Login: mobile nav (flat, tap-friendly) ---------- */
.nav-mobile-login-divider{ margin-top:14px !important; padding-top:22px; border-top:1px solid var(--card-border); }
.nav-mobile-login-label{
  font-family:var(--sans); font-size:12.5px; font-weight:600; letter-spacing:0.14em; color:var(--gold);
}
.nav-mobile-login-link{ font-family:var(--sans) !important; font-size:18px !important; color:var(--grey) !important; }
.nav-mobile-login-link:hover{ color:var(--gold) !important; }


/* ---------- Google Review floating button (stacks above WhatsApp) ---------- */
.google-review-float{
  position:fixed; right:22px; bottom:92px; z-index:900;
  width:56px; height:56px; border-radius:50%;
  background:var(--white); color:var(--navy-900);
  display:flex; align-items:center; justify-content:center;
  box-shadow:0 8px 24px rgba(0,0,0,0.35);
  opacity:0; transform:translateY(14px) scale(0.9);
  animation:waEnter 500ms var(--ease) 1100ms forwards, grPulse 4.5s ease-in-out 5s infinite;
  transition:transform 250ms var(--ease);
}
.google-review-float:hover{ transform:scale(1.08); }
.google-review-tooltip{
  position:absolute; right:66px; top:50%; transform:translateY(-50%);
  background:var(--navy-800); border:1px solid var(--card-border);
  color:var(--white); font-family:var(--sans); font-size:12.5px;
  padding:8px 14px; white-space:nowrap;
  opacity:0; visibility:hidden;
  transition:opacity var(--t-fast) var(--ease), visibility var(--t-fast);
}
.google-review-float:hover .google-review-tooltip{ opacity:1; visibility:visible; }
@keyframes grPulse{ 0%,92%,100%{ box-shadow:0 8px 24px rgba(0,0,0,0.35); } 96%{ box-shadow:0 8px 24px rgba(0,0,0,0.35), 0 0 0 8px rgba(201,169,110,0.22); } }
@media (max-width:600px){
  .google-review-float{ right:16px; bottom:78px; width:50px; height:50px; }
  .google-review-tooltip{ display:none; } /* avoid crowding small screens */
}
@media (prefers-reduced-motion: reduce){ .google-review-float{ animation:waEnter 1ms forwards; } }