/* ════════════════════════════════════════════════════════════
   KRISH KUTUMB GROUP — style.css
   Color scheme: FundsIndia Sky Blue (exact match)
   Primary Blue  : #0161FF  (FundsIndia button / accent blue)
   Sky Blue Bg   : #EBF4FF  (FundsIndia section background)
   Accent Green  : #00D382  (FundsIndia CTA green)
   Dark Footer   : #050E1F  (footer only)
   Body Font     : Inter (sans-serif, like FundsIndia)
   Display Font  : Cormorant Garamond (headings — premium serif)
   ════════════════════════════════════════════════════════════ */

/* ── TOKENS ─────────────────────────────────────────────────── */
:root {
  --blue:      #0161FF;   /* FundsIndia primary blue */
  --blue-d:    #0050CC;   /* button hover */
  --blue-dk:   #003399;   /* footer / dark accents only */
  --blue-sky:  #EBF4FF;   /* FundsIndia hero / section sky bg */
  --blue-sky2: #D6EAFF;   /* slightly deeper sky for contrast */
  --green:     #00D382;   /* FundsIndia CTA green */
  --green-d:   #00AF6C;   /* green hover */
  --green-bg:  #E6FBF3;   /* mint tint for testimonials */
  --blue-bg:   #EBF4FF;   /* sky tint for funds/cards */
  --white:     #ffffff;
  --grey:      #F5F8FF;   /* page background tint */
  --grey2:     #DCE6F5;   /* border */
  --text:      #1A1A2E;   /* very dark heading */
  --muted:     #4A6080;   /* body / secondary text */
  --heading:   #0D1B3E;   /* deep navy heading */
  --serif:     'Cormorant Garamond', Georgia, serif;
  --sans:      'Inter', 'DM Sans', sans-serif;
  --r:         16px;
  --sh:        0 10px 40px rgba(0,0,0,.05);
  --sh-g:      0 8px 32px rgba(0,211,130,.15);
}

/* ── RESET ──────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--sans); color: var(--text); background: var(--white); overflow-x: hidden; }
img  { display: block; max-width: 100%; }
a    { color: inherit; text-decoration: none; }
ul   { list-style: none; }

/* ── UTILITY ────────────────────────────────────────────────── */
.text-white { color: #fff; }
.container  { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 96px 0; }

.label {
  font-size: 12px; font-weight: 700; letter-spacing: 2.5px;
  text-transform: uppercase; color: var(--green);
  margin-bottom: 14px; display: block;
}
.heading {
  font-family: var(--serif);
  font-size: clamp(30px, 5vw, 50px);
  font-weight: 700; line-height: 1.15; color: var(--heading);
  letter-spacing: -0.5px;
}
.heading-white { color: var(--white); }
.subhead {
  font-size: 16px; line-height: 1.75; color: var(--muted);
  margin-top: 16px; max-width: 560px;
}
.subhead-white { color: rgba(255,255,255,.78); }
.gold-line {
  width: 48px; height: 3px; background: var(--green);
  border-radius: 2px; margin: 16px 0;
}

/* ── BUTTONS ────────────────────────────────────────────────── */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--green); color: var(--white);
  font-family: var(--sans); font-size: 15px; font-weight: 700;
  padding: 14px 30px; border-radius: 50px; border: none;
  cursor: pointer; transition: background .2s, transform .2s, box-shadow .2s;
  box-shadow: var(--sh-g);
}
.btn-primary:hover {
  background: var(--green-d); transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(0,211,130,.38);
}
.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--blue);
  font-family: var(--sans); font-size: 15px; font-weight: 600;
  padding: 13px 28px; border-radius: 50px;
  border: 2px solid var(--blue); cursor: pointer;
  transition: border-color .2s, background .2s, transform .2s, color .2s;
}
.btn-outline:hover {
  border-color: var(--blue-d); background: var(--blue); color: var(--white);
  transform: translateY(-2px);
}
.btn-outline-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--white);
  font-family: var(--sans); font-size: 15px; font-weight: 600;
  padding: 13px 28px; border-radius: 50px;
  border: 2px solid rgba(255,255,255,.55); cursor: pointer;
  transition: border-color .2s, background .2s, transform .2s, color .2s;
}
.btn-outline-white:hover {
  border-color: var(--white); background: rgba(255,255,255,.1); color: var(--white);
  transform: translateY(-2px);
}
.btn-blue {
  background: var(--blue); color: var(--white)!important;
  box-shadow: 0 4px 18px rgba(1,102,255,.3);
}
.btn-blue:hover { background: var(--blue-d); box-shadow: 0 8px 28px rgba(1,102,255,.4); }

/* ── NAV ────────────────────────────────────────────────────── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  padding: 16px 0; transition: background .3s, box-shadow .3s;
  background: rgba(1,97,255,.08); backdrop-filter: blur(12px);
}
nav.scrolled {
  background: #ffffff; box-shadow: 0 2px 16px rgba(1,97,255,.12);
}
nav .inner { display: flex; align-items: center; justify-content: space-between; }
.logo       { display: flex; align-items: center; gap: 12px; }
.logo-icon  {
  width: 40px; height: 40px; background: var(--green);
  border-radius: 10px; display: flex; align-items: center; justify-content: center;
  font-family: var(--serif); font-size: 20px; font-weight: 700; color: var(--white);
}
.logo-text  { font-family: var(--serif); font-size: 19px; font-weight: 700; color: var(--heading); line-height: 1.2; }
.logo-sub   { font-size: 10px; letter-spacing: 2px; color: var(--blue); text-transform: uppercase; font-weight: 600; }
.logo-img   { height: 48px; width: auto; display: block; }
.footer-logo .logo-img { height: 44px; filter: brightness(0) invert(1); }
nav ul      { display: flex; gap: 28px; align-items: center; }
nav ul li a { font-size: 14px; font-weight: 600; color: var(--heading); transition: color .2s; }
nav ul li a:hover { color: var(--blue); }
nav.scrolled .logo-text { color: var(--heading); }
nav.scrolled nav ul li a { color: var(--heading); }
.nav-cta    {
  background: var(--green)!important; color: var(--blue-dk)!important;
  padding: 9px 22px; border-radius: 50px; font-weight: 700!important;
}
.nav-cta:hover { background: var(--green-d)!important; }
.hamburger  {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; z-index: 9999; position: relative;
  padding: 4px; background: none; border: none;
}
.hamburger span {
  width: 24px; height: 2px; background: var(--white);
  border-radius: 2px; transition: .3s; display: block;
}

/* ── MOBILE NAV ─────────────────────────────────────────────── */
.mobile-nav {
  display: none; position: fixed; inset: 0;
  background: var(--blue-dk); z-index: 9000;
  flex-direction: column; align-items: center; justify-content: center; gap: 26px;
}
.mobile-nav.open { display: flex; }
.mobile-nav-close {
  position: absolute; top: 20px; right: 20px;
  background: rgba(255,255,255,.12); border: none; border-radius: 50%;
  width: 46px; height: 46px; font-size: 20px; color: var(--white);
  cursor: pointer; display: flex; align-items: center; justify-content: center;
  transition: background .2s; z-index: 1;
}
.mobile-nav-close:hover { background: rgba(255,255,255,.22); }
.mobile-nav a {
  font-family: var(--serif); font-size: 28px; font-weight: 600;
  color: rgba(255,255,255,.85); transition: color .2s; cursor: pointer;
}
.mobile-nav a:hover { color: var(--green); }
.mob-cta {
  background: var(--green)!important; color: var(--blue-dk)!important;
  padding: 14px 40px; border-radius: 50px;
  font-family: var(--serif); font-size: 22px; font-weight: 700;
  border: none; cursor: pointer; margin-top: 10px;
}

/* ── MODAL ──────────────────────────────────────────────────── */
.modal-overlay {
  display: none; position: fixed; inset: 0;
  background: rgba(0,0,0,.65); z-index: 10000;
  align-items: center; justify-content: center; padding: 20px;
}
.modal-overlay.open { display: flex; }
.modal-box {
  background: var(--white); border-radius: 20px; padding: 40px 36px;
  max-width: 460px; width: 100%; position: relative;
  box-shadow: 0 32px 80px rgba(0,0,0,.3);
  animation: mIn .3s ease; max-height: 90vh; overflow-y: auto;
}
@keyframes mIn {
  from { opacity: 0; transform: scale(.94) translateY(20px); }
  to   { opacity: 1; transform: scale(1)   translateY(0); }
}
.modal-close {
  position: absolute; top: 14px; right: 16px;
  background: var(--grey); border: none; border-radius: 50%;
  width: 34px; height: 34px; cursor: pointer; font-size: 16px;
  color: var(--muted); display: flex; align-items: center; justify-content: center;
}
.modal-close:hover { background: var(--grey2); }
.modal-box h3 {
  font-family: var(--serif); font-size: 26px; font-weight: 700;
  color: var(--blue-dk); margin-bottom: 4px;
}
.modal-sub { font-size: 13.5px; color: var(--muted); margin-bottom: 8px; }
.urgency-tag {
  display: inline-block; background: #E8F4FD; color: #0166FF;
  font-size: 12px; font-weight: 700; padding: 5px 12px;
  border-radius: 6px; margin-bottom: 18px; border: 1px solid rgba(1,102,255,.2);
}
.risk-notice {
  font-size: 11px; color: var(--muted); margin-top: 10px;
  line-height: 1.5; padding: 8px 12px; background: var(--grey); border-radius: 6px;
}

/* ── FORMS ──────────────────────────────────────────────────── */
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block; font-size: 13px; font-weight: 600;
  color: var(--blue-dk); margin-bottom: 6px;
}
.form-group input,
.form-group select {
  width: 100%; padding: 13px 16px;
  border: 1.5px solid var(--grey2); border-radius: 10px;
  font-family: var(--sans); font-size: 15px; color: var(--text);
  outline: none; transition: border-color .2s, box-shadow .2s;
  background: var(--grey);
}
.form-group input:focus,
.form-group select:focus {
  border-color: var(--blue); box-shadow: 0 0 0 3px rgba(1,102,255,.1);
  background: var(--white);
}
.form-submit {
  width: 100%; padding: 15px;
  background: var(--green); color: var(--white);
  border: none; border-radius: 10px; font-family: var(--sans);
  font-size: 16px; font-weight: 700; cursor: pointer;
  transition: background .2s, transform .2s;
  margin-top: 6px; box-shadow: var(--sh-g);
}
.form-submit:hover  { background: var(--green-d); transform: translateY(-1px); }
.form-submit:disabled { opacity: .7; cursor: not-allowed; transform: none; }
.form-micro { font-size: 12px; color: var(--muted); text-align: center; margin-top: 6px; }
.form-note  { font-size: 11.5px; color: var(--muted); text-align: center; margin-top: 10px; }
.form-note a { color: var(--blue); }
.form-risk  { font-size: 10.5px; color: #9ca3af; margin-top: 8px; line-height: 1.5; }

/* ── HERO ───────────────────────────────────────────────────── */
#hero {
  min-height: 100vh;
  background: linear-gradient(160deg, var(--blue-sky) 0%, #C8DFFF 60%, #B8D4FF 100%);
  position: relative; display: flex; align-items: center;
  padding-top: 90px; overflow: hidden;
}
#hero::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%230161FF' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  opacity: .8;
}
.hero-glow  {
  position: absolute; width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(1,97,255,.14) 0%, transparent 70%);
  top: -100px; right: -100px; border-radius: 50%; pointer-events: none;
}
.hero-glow2 {
  position: absolute; width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(0,211,130,.08) 0%, transparent 70%);
  bottom: 0; left: -80px; border-radius: 50%; pointer-events: none;
}
.hero-inner {
  display: grid; grid-template-columns: 1fr 420px;
  gap: 64px; align-items: center; position: relative; z-index: 2; width: 100%;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(1,97,255,.1); border: 1px solid rgba(1,97,255,.25);
  padding: 7px 16px; border-radius: 50px; margin-bottom: 20px;
}
.hero-badge span { font-size: 12px; font-weight: 700; color: var(--blue); letter-spacing: .5px; }
.badge-dot {
  width: 7px; height: 7px; background: var(--blue);
  border-radius: 50%; animation: pulse 2s infinite;
}
@keyframes pulse {
  0%,100% { opacity: 1; transform: scale(1); }
  50%      { opacity: .5; transform: scale(1.3); }
}
.hero h1 {
  font-family: var(--serif);
  font-size: clamp(36px, 5.5vw, 64px);
  font-weight: 700; line-height: 1.1; color: var(--heading);
  letter-spacing: -0.8px;
}
.hero h1 em { font-style: normal; color: var(--blue); }
.hero-hindi { font-size: 14px; color: var(--muted); margin-top: 8px; font-style: italic; }
.hero-sub   {
  font-size: 16.5px; line-height: 1.8; color: var(--muted);
  margin: 18px 0 28px; max-width: 520px; font-weight: 400;
}
.hero-btns  { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 10px; }
.btn-micro  { font-size: 12px; color: var(--muted); margin-bottom: 28px; font-weight: 500; }
.hero-stats { display: flex; gap: 32px; }
.hero-stat span { display: block; font-family: var(--serif); font-size: 32px; font-weight: 700; color: var(--blue); }
.hero-stat p    { font-size: 13px; color: var(--muted); margin-top: 2px; font-weight: 500; }

/* Hero form card */
.form-card {
  background: rgba(255,255,255,.98); border-radius: 24px;
  padding: 32px; box-shadow: var(--sh); margin-bottom: 15px;
  border: none;
}
.form-card h3 { font-family: var(--serif); font-size: 22px; font-weight: 700; color: var(--blue-dk); margin-bottom: 4px; }
.form-card-sub { font-size: 13px; color: var(--muted); margin-bottom: 6px; }
.form-urgency  {
  display: inline-block; background: #E8F4FD; color: var(--blue);
  font-size: 11.5px; font-weight: 700; padding: 4px 10px;
  border-radius: 6px; margin-bottom: 16px; border: 1px solid rgba(1,102,255,.2);
}

/* ── WHY MUTUAL FUNDS ───────────────────────────────────────── */
#why { background: var(--grey); }
.why-grid {
  display: grid; grid-template-columns: repeat(4,1fr);
  gap: 22px; margin-top: 52px;
}
.why-card {
  background: var(--white); border-radius: var(--r);
  padding: 28px 22px; border: 1px solid var(--grey2);
  text-align: center; transition: transform .25s, box-shadow .25s, border-color .25s;
}
.why-card:hover { transform: translateY(-5px); box-shadow: var(--sh); border-color: var(--blue); }
.why-icon {
  width: 58px; height: 58px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px; font-size: 24px;
}
.ic-b  { background: var(--blue-bg); color: var(--blue); }
.ic-g  { background: var(--green-bg); color: var(--green-d); }
.ic-gr { background: #E8F5E9; color: #2E7D32; }
.ic-p  { background: #F3E5F5; color: #7B1FA2; }
.why-card h3 { font-family: var(--serif); font-size: 18px; font-weight: 700; color: var(--blue-dk); margin-bottom: 8px; }
.why-card p  { font-size: 13.5px; line-height: 1.65; color: var(--muted); }

/* ── SIP CALCULATOR ─────────────────────────────────────────── */
#sip { background: var(--blue-sky2); position: relative; overflow: hidden; }
#sip::after {
  content: ''; position: absolute; right: -200px; top: -200px;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(1,97,255,.08) 0%, transparent 70%);
  border-radius: 50%; pointer-events: none;
}
.sip-inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center; position: relative; z-index: 2;
}
.sip-calc-box {
  background: var(--white); border: none;
  border-radius: 24px; padding: 30px; box-shadow: var(--sh);
}
.sip-calc-box h4 {
  font-size: 12px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: var(--blue); margin-bottom: 22px;
}
.cg { margin-bottom: 20px; }
.cg label { display: block; font-size: 13px; color: var(--muted); margin-bottom: 6px; font-weight: 600; }
.cg-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.cg-val { font-family: var(--serif); font-size: 22px; font-weight: 700; color: var(--heading); }
.sl {
  width: 100%; -webkit-appearance: none; appearance: none;
  height: 5px; border-radius: 3px; background: var(--grey2);
  outline: none; cursor: pointer;
}
.sl::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px;
  border-radius: 50%; background: var(--blue); cursor: pointer;
  box-shadow: 0 2px 8px rgba(1,97,255,.35);
}
.sl::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--blue); cursor: pointer; border: none;
}
.sl-labels { display: flex; justify-content: space-between; font-size: 11px; color: var(--muted); margin-top: 4px; font-weight: 500; }
.calc-res {
  background: var(--blue-sky); border: none;
  border-radius: 16px; padding: 20px; margin-top: 24px;
}
.cr-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 8px 0; border-bottom: 1px solid var(--grey2);
}
.cr-row:last-child { border: none; }
.cr-row span:first-child { font-size: 13px; color: var(--muted); font-weight: 600; }
.cr-val { font-family: var(--serif); font-size: 22px; font-weight: 700; color: var(--heading); }
.cr-val.gold { color: var(--green); }
.cr-val.grn  { color: #00875A; }
.sip-list { margin-top: 24px; display: flex; flex-direction: column; gap: 14px; }
.sip-item { display: flex; align-items: flex-start; gap: 14px; }
.sip-num  {
  min-width: 32px; height: 32px;
  background: rgba(1,97,255,.1); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif); font-size: 16px; font-weight: 700; color: var(--blue);
}
.sip-item p          { font-size: 15px; line-height: 1.7; color: var(--muted); font-weight: 400; }
.sip-item p strong   { color: var(--heading); font-weight: 700; }

/* ── WHY US ─────────────────────────────────────────────────── */
#whyus { background: var(--white); }
.whyus-sg { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.whyus-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; }
.wc {
  border-radius: var(--r); padding: 26px;
  border-left: 4px solid var(--green); background: var(--white);
  border: 1px solid var(--grey2);
  transition: background .25s, transform .25s, box-shadow .25s, border-color .25s;
}
.wc:hover { border-color: var(--blue); box-shadow: var(--sh); transform: translateY(-3px); }
.wc-ico { font-size: 26px; }
.wc h3  { font-family: var(--serif); font-size: 18px; font-weight: 700; color: var(--blue-dk); margin: 10px 0 8px; }
.wc p   { font-size: 13.5px; line-height: 1.65; color: var(--muted); }

/* ── FUNDS ──────────────────────────────────────────────────── */
#funds { background: var(--blue-bg); }
.funds-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 22px; margin-top: 48px; }
.fc {
  background: var(--white); border-radius: var(--r); padding: 24px;
  border: 1px solid var(--grey2); text-align: center;
  transition: transform .25s, box-shadow .25s; position: relative; overflow: hidden;
}
.fc::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; }
.fc.eq::before { background: linear-gradient(90deg, var(--blue), #5B9AFF); }
.fc.dt::before { background: linear-gradient(90deg, #00B86E, #6EE7B7); }
.fc.hy::before { background: linear-gradient(90deg, #0166FF, #00D382); }
.fc.el::before { background: linear-gradient(90deg, #6a1b9a, #ab47bc); }
.fc:hover { transform: translateY(-5px); box-shadow: var(--sh); }
.fc-emoji { font-size: 32px; margin-bottom: 14px; display: block; }
.fc h3    { font-family: var(--serif); font-size: 18px; font-weight: 700; color: var(--blue-dk); margin-bottom: 8px; }
.fc p     { font-size: 13px; line-height: 1.6; color: var(--muted); margin-bottom: 14px; }
.ftag     { display: inline-block; font-size: 11px; font-weight: 600; padding: 4px 12px; border-radius: 20px; }
.fc.eq .ftag { background: rgba(1,102,255,.1);  color: var(--blue); }
.fc.dt .ftag { background: rgba(0,184,110,.1);  color: #00B86E; }
.fc.hy .ftag { background: rgba(0,211,130,.12); color: #00A86B; }
.fc.el .ftag { background: rgba(106,27,154,.1); color: #6a1b9a; }

/* ── HOW IT WORKS ───────────────────────────────────────────── */
#how { background: var(--white); }
.steps { display: flex; gap: 0; margin-top: 52px; position: relative; }
.steps::before {
  content: ''; position: absolute; top: 40px;
  left: calc(40px + 24px); right: calc(40px + 24px);
  height: 2px; background: linear-gradient(90deg, var(--blue), var(--green));
  z-index: 0;
}
.step { flex: 1; display: flex; flex-direction: column; align-items: center; text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 80px; height: 80px; background: var(--blue); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif); font-size: 28px; font-weight: 700; color: var(--white);
  border: 4px solid var(--white); box-shadow: 0 0 0 2px var(--blue);
  margin-bottom: 18px; transition: background .25s, box-shadow .25s;
}
.step:hover .step-num { background: var(--green); box-shadow: 0 0 0 2px var(--green); color: var(--white); }
.step h3 { font-family: var(--serif); font-size: 18px; font-weight: 700; color: var(--blue-dk); margin-bottom: 8px; }
.step p  { font-size: 13px; line-height: 1.6; color: var(--muted); max-width: 155px; }

/* ── WEALTH PROJECTION ──────────────────────────────────────── */
#proj { background: var(--blue-sky); position: relative; overflow: hidden; }
#proj::before {
  content: ''; position: absolute; left: -150px; bottom: -150px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(1,97,255,.06) 0%, transparent 70%);
  border-radius: 50%;
}
.proj-in { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; position: relative; z-index: 2; }
.pcards  { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.pcard {
  background: var(--white); border: none;
  border-radius: 20px; padding: 20px 16px; box-shadow: var(--sh);
}
.pcard .pamt  { font-family: var(--serif); font-size: 24px; font-weight: 700; color: var(--heading); }
.pcard .pdesc { font-size: 12px; color: var(--muted); margin-top: 4px; font-weight: 500; }
.pcard.hi {
  background: var(--blue); border-color: var(--blue);
}
.pcard.hi .pamt  { color: var(--white); font-size: 32px; }
.pcard.hi .pdesc { color: rgba(255,255,255,.75); }
.pb-section { margin-top: 24px; }
.pb-item    { margin-bottom: 14px; }
.pb-top     { display: flex; justify-content: space-between; font-size: 13px; margin-bottom: 5px; }
.pb-top span:first-child { color: var(--muted); font-weight: 500; }
.pb-top span:last-child  { font-weight: 700; color: var(--heading); }
.pb-track   { height: 9px; background: var(--grey2); border-radius: 5px; overflow: hidden; }
.pb-fill    { height: 100%; border-radius: 5px; }

/* ── ABOUT US ───────────────────────────────────────────────── */
#about { background: var(--white); }

.about-story {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 56px; align-items: start; margin-bottom: 56px;
}
.about-story-text h3 {
  font-family: var(--serif); font-size: clamp(24px,3vw,34px);
  font-weight: 700; color: var(--blue-dk); line-height: 1.25; margin-bottom: 20px;
}
.about-story-text p {
  font-size: 15px; line-height: 1.8; color: var(--muted); margin-bottom: 16px;
}
.about-story-text p:last-child { margin-bottom: 0; }
.about-focus-cards { display: flex; flex-direction: column; gap: 20px; }
.about-focus-card {
  background: var(--grey); border-radius: 16px; padding: 28px;
  border-left: 4px solid var(--blue); transition: box-shadow .25s, transform .25s;
}
.about-focus-card:hover { box-shadow: var(--sh); transform: translateY(-3px); }
.about-focus-card h4 {
  font-family: var(--serif); font-size: 19px; font-weight: 700;
  color: var(--blue-dk); margin-bottom: 8px;
}
.about-focus-card p { font-size: 14px; line-height: 1.7; color: var(--muted); }

/* About stats */
.about-stats {
  display: grid; grid-template-columns: repeat(4,1fr);
  gap: 20px; margin-bottom: 52px;
}
.about-stat-card {
  background: var(--grey); border-radius: 16px; padding: 28px 20px;
  text-align: center; border: 1px solid var(--grey2);
  transition: transform .25s, box-shadow .25s;
}
.about-stat-card:hover { transform: translateY(-4px); box-shadow: var(--sh); }
.about-stat-num {
  font-family: var(--serif); font-size: 36px; font-weight: 700; color: var(--blue-dk);
}
.about-stat-num em { font-style: normal; color: var(--green); }
.about-stat-card p { font-size: 13px; color: var(--muted); margin-top: 6px; }

/* Mission & Vision */
.mission-vision-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.mv-card {
  border-radius: 18px; padding: 36px 32px;
  transition: transform .25s, box-shadow .25s;
}
.mv-card:hover { transform: translateY(-4px); box-shadow: var(--sh); }
.mv-card.mission { background: linear-gradient(135deg, #0166FF, #0166FF); }
.mv-card.vision  { background: linear-gradient(135deg, #064A2D, #00B86E); }
.mv-icon { font-size: 36px; margin-bottom: 16px; }
.mv-card h3 {
  font-family: var(--serif); font-size: 24px; font-weight: 700;
  color: var(--white); margin-bottom: 12px;
}
.mv-card p { font-size: 15px; line-height: 1.8; color: rgba(255,255,255,.8); }

/* ── TRUST ──────────────────────────────────────────────────── */
#trust { background: var(--grey); }
.trust-in {
  display: grid; grid-template-columns: 240px 1fr;
  gap: 64px; align-items: start;
}
.adv-img {
  width: 150px; height: 150px; border-radius: 50%;
  background: var(--white);
  margin: 0 auto 14px; display: flex; align-items: center; justify-content: center;
  border: 4px solid var(--green); overflow: hidden;
  box-shadow: var(--sh);
}
.adv-img img { width: 80%; height: auto; }
.adv-name  { font-family: var(--serif); font-size: 20px; font-weight: 700; color: var(--blue-dk); text-align: center; }
.adv-title { font-size: 13px; color: var(--muted); text-align: center; margin-top: 4px; }
.sebi-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(0,211,130,.1); border: 1px solid rgba(0,211,130,.3);
  padding: 7px 14px; border-radius: 8px; margin-top: 12px;
  font-size: 12px; font-weight: 600; color: #00876A;
}
.ts-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; margin-bottom: 28px; }
.ts-card  {
  background: var(--white); border-radius: 14px; padding: 22px 16px;
  text-align: center; border: 1px solid var(--grey2);
  transition: box-shadow .25s, transform .25s;
}
.ts-card:hover { box-shadow: var(--sh); transform: translateY(-3px); }
.ts-num    { font-family: var(--serif); font-size: 34px; font-weight: 700; color: var(--blue-dk); }
.ts-num em { font-style: normal; color: var(--green); }
.ts-card p { font-size: 13px; color: var(--muted); margin-top: 4px; }
.ts-stmt {
  background: var(--white); border-radius: 16px; padding: 26px;
  border-left: 4px solid var(--blue);
}
.ts-stmt p    { font-size: 15px; line-height: 1.85; color: var(--text); font-style: italic; }
.ts-stmt cite { display: block; margin-top: 12px; font-size: 13px; font-weight: 600; color: var(--blue); font-style: normal; }
.trust-badges-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.tbadge {
  display: flex; align-items: center; gap: 7px;
  background: var(--white); padding: 9px 14px; border-radius: 10px;
  font-size: 13px; font-weight: 600; color: var(--blue-dk);
  border: 1px solid var(--grey2);
}

/* ── TESTIMONIALS ───────────────────────────────────────────── */
#testi { background: var(--green-bg); }
.tg { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; margin-top: 48px; }
.tc {
  background: var(--white); border-radius: var(--r); padding: 28px;
  border: 1px solid var(--grey2); position: relative;
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.tc:hover { transform: translateY(-4px); box-shadow: var(--sh); border-color: var(--blue); }
.qm {
  font-family: var(--serif); font-size: 56px; line-height: 1;
  color: var(--blue); opacity: .15;
  position: absolute; top: 12px; right: 16px;
}
.stars-row { display: flex; gap: 3px; margin-bottom: 12px; }
.star {
  width: 15px; height: 15px; background: #F59E0B;
  clip-path: polygon(50% 0%,61% 35%,98% 35%,68% 57%,79% 91%,50% 70%,21% 91%,32% 57%,2% 35%,39% 35%);
  display: inline-block;
}
.rv   { font-size: 14px; line-height: 1.75; color: #374151; margin-bottom: 18px; font-style: italic; }
.ta   { display: flex; align-items: center; gap: 12px; }
.tav  {
  width: 52px; height: 52px; border-radius: 50%;
  border: 2px solid var(--white);box-shadow: 0 4px 12px rgba(0,0,0,.1);
  overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif); font-size: 19px; font-weight: 700;
  color: var(--white); flex-shrink: 0;
}
.tav img { width: 100%; height: 100%; object-fit: cover; }
.av-b  { background: var(--blue-dk); }
.av-g  { background: var(--green); }
.av-gr { background: var(--blue); }
.tn   { font-weight: 700; font-size: 15px; color: var(--blue-dk); }
.tm   { font-size: 12px; color: var(--muted); margin-top: 3px; }
.tsip {
  display: inline-block; background: rgba(0,211,130,.12);
  color: #00876A; font-size: 11px; font-weight: 600;
  padding: 3px 9px; border-radius: 20px; margin-top: 5px;
}

/* ── FAQ ────────────────────────────────────────────────────── */
#faq { background: var(--grey); }
.faq-wrap { max-width: 760px; margin: 48px auto 0; }
.faq-item {
  border: 1px solid var(--grey2); border-radius: 12px;
  margin-bottom: 10px; overflow: hidden; transition: border-color .25s;
  background: var(--white);
}
.faq-item.open { border-color: var(--blue); }
.faq-q {
  display: flex; justify-content: space-between; align-items: center;
  padding: 18px 22px; cursor: pointer; font-weight: 600;
  font-size: 15px; color: var(--blue-dk); user-select: none;
}
.faq-ico {
  width: 28px; height: 28px; background: var(--grey);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 18px; color: var(--blue);
  transition: transform .3s, background .25s; flex-shrink: 0; line-height: 1;
}
.faq-item.open .faq-ico { transform: rotate(45deg); background: rgba(1,102,255,.12); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-item.open .faq-a { max-height: 300px; }
.faq-ai { padding: 0 22px 18px; font-size: 14.5px; line-height: 1.75; color: var(--muted); }

/* ── FINAL CTA ──────────────────────────────────────────────── */
#finalcta {
  background: linear-gradient(160deg, var(--blue) 0%, #0050CC 100%);
  text-align: center; padding: 96px 0; position: relative; overflow: hidden;
}
#finalcta::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-in  { position: relative; z-index: 2; }
#finalcta h2 {
  font-family: var(--serif); font-size: clamp(28px,5vw,50px);
  font-weight: 700; color: var(--white); max-width: 660px; margin: 0 auto 14px;
}
#finalcta h2 em { font-style: normal; color: var(--green); }
.cta-sub  {
  font-size: 17px; color: rgba(255,255,255,.82);
  max-width: 500px; margin: 0 auto 10px; line-height: 1.75;
}
.cta-urg  {
  display: inline-block; background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.3); color: var(--white);
  font-size: 13px; font-weight: 600; padding: 7px 18px;
  border-radius: 50px; margin-bottom: 26px;
}
.cta-btns  { display: flex; justify-content: center; flex-wrap: wrap; gap: 16px; }
.cta-micro { font-size: 12px; color: rgba(255,255,255,.5); margin-top: 10px; font-weight: 500; }
.tbadges   { display: flex; justify-content: center; gap: 28px; margin-top: 40px; flex-wrap: wrap; }
.tb        { display: flex; align-items: center; gap: 7px; font-size: 13px; color: rgba(255,255,255,.7); font-weight: 500; }
.local-note { margin-top: 30px; font-size: 13px; color: rgba(255,255,255,.5); }

/* ── FOOTER ─────────────────────────────────────────────────── */
footer { background: #050E1F; padding: 52px 0 28px; }
.fi   {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr;
  gap: 44px; padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.fb p { font-size: 14px; line-height: 1.75; color: rgba(255,255,255,.45); margin-top: 14px; max-width: 280px; }
.fc-links { margin-top: 16px; display: flex; flex-direction: column; gap: 9px; }
.fc-links a {
  font-size: 14px; color: rgba(255,255,255,.6);
  display: flex; align-items: center; gap: 7px; transition: color .2s;
}
.fc-links a:hover { color: var(--green); }
.fcol h5 {
  font-size: 12px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: var(--green); margin-bottom: 16px;
}
.fcol ul li { margin-bottom: 10px; }
.fcol ul li a { font-size: 13.5px; color: rgba(255,255,255,.55); transition: color .2s; }
.fcol ul li a:hover { color: var(--white); }
.fbot  { padding-top: 20px; display: flex; flex-direction: column; gap: 10px; }
.fcopy { font-size: 12px; color: rgba(255,255,255,.3); }
.disclaim {
  font-size: 11px; color: rgba(255,255,255,.18); line-height: 1.7;
}

/* ── FLOATING ELEMENTS ──────────────────────────────────────── */
.float-sip {
  position: fixed; top: 40%; right: -38px;
  z-index: 300; display: none; transform: rotate(270deg);
}
.float-sip button {
  display: flex; align-items: center; gap: 8px;
  background: var(--green); color: var(--blue-dk);
  font-size: 14px; font-weight: 700; padding: 12px 20px;
  border-radius: 50px; border: none; cursor: pointer;
  box-shadow: var(--sh-g); transition: transform .2s, box-shadow .25s;
}
.float-sip button:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,211,130,.45); }
.float-wa { position: fixed; bottom: 22px; right: 22px; z-index: 300; }
.float-wa a {
  display: flex; align-items: center; justify-content: center;
  width: 52px; height: 52px; background: #25D366; border-radius: 50%;
  box-shadow: 0 4px 20px rgba(37,211,102,.4); transition: transform .2s;
}
.float-wa a:hover { transform: scale(1.1); }
.float-wa svg { width: 28px; height: 28px; fill: #fff; }

/* ── EXIT POPUP ─────────────────────────────────────────────── */
.exit-ov {
  display: none; position: fixed; inset: 0;
  background: rgba(0,0,0,.7); z-index: 9999;
  align-items: center; justify-content: center; padding: 20px;
}
.exit-ov.open { display: flex; }
.exit-box {
  background: var(--white); border-radius: 20px; padding: 40px 32px;
  max-width: 420px; width: 100%; text-align: center;
  position: relative; animation: mIn .3s ease;
}
.exit-box h3 { font-family: var(--serif); font-size: 26px; font-weight: 700; color: var(--blue-dk); margin-bottom: 10px; }
.exit-box p  { font-size: 15px; color: var(--muted); margin-bottom: 22px; line-height: 1.6; }
.exit-cl {
  position: absolute; top: 12px; right: 14px;
  background: var(--grey); border: none; border-radius: 50%;
  width: 32px; height: 32px; cursor: pointer; font-size: 15px;
  color: var(--muted); display: flex; align-items: center; justify-content: center;
}

/* ── ANIMATIONS ─────────────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(26px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fu { opacity: 0; animation: fadeUp .7s ease forwards; }
.d1 { animation-delay: .1s; }
.d2 { animation-delay: .25s; }
.d3 { animation-delay: .4s; }
.d4 { animation-delay: .55s; }

/* ── RESPONSIVE ─────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .hero-inner   { grid-template-columns: 1fr; gap: 0; }
  .hero-inner .form-card { display: none; }
  .whyus-sg     { grid-template-columns: 1fr!important; gap: 36px!important; }
  .whyus-grid   { margin-top: 24px; }
  .trust-in     { grid-template-columns: 1fr; gap: 40px; }
  .trust-advisor-col { display: flex; flex-direction: column; align-items: center; }
  .about-story  { grid-template-columns: 1fr; gap: 36px; }
  .about-stats  { grid-template-columns: repeat(2,1fr); }
  .mission-vision-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .section      { padding: 72px 0; }
  .why-grid     { grid-template-columns: 1fr 1fr; gap: 12px; }
  .why-card     { padding: 18px 12px; }
  .steps::before { display: none; }
  .steps        { flex-direction: column; gap: 26px; }
  .step         { flex-direction: row; text-align: left; gap: 16px; align-items: flex-start; }
  .step-num     { min-width: 56px; height: 56px; font-size: 22px; }
  .step p       { max-width: none; }
  .wc, .whyus-grid { grid-template-columns: 1fr!important; }
  .funds-grid   { grid-template-columns: 1fr 1fr; }
  .tg           { grid-template-columns: 1fr; }
  .pcards       { grid-template-columns: 1fr 1fr; }
  .fi           { grid-template-columns: 1fr; gap: 28px; }
  nav ul        { display: none; }
  .hamburger    { display: flex; }
  .float-sip    { display: block; }
  .hero-stats   { flex-wrap: wrap; gap: 20px; }
  .sip-inner    { grid-template-columns: 1fr; gap: 40px; }
  .proj-in      { grid-template-columns: 1fr; gap: 40px; }
  #hero         { padding-top: 78px; padding-bottom: 48px; min-height: auto; }
  .hero-inner   { gap: 36px; }
  .modal-box    { padding: 28px 20px; }
  .ts-stats     { grid-template-columns: 1fr 1fr; }
  .about-story  { grid-template-columns: 1fr; }
  .about-stats  { grid-template-columns: 1fr 1fr; }
  .mission-vision-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .why-grid, .funds-grid, .pcards, .ts-stats, .about-stats { grid-template-columns: 1fr; }
  .hero-btns, .cta-btns { flex-direction: column; }
  .tbadges { gap: 14px; }
}