:root{
  --navy:#071427;
  --navy-2:#0b1e36;
  --teal:#1fc9b7;
  --teal-2:#12a3a3;
  --white:#ffffff;
  --muted:#a9b8cc;
  --border:rgba(255,255,255,0.12);
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:'Segoe UI',Arial,sans-serif;
  background:var(--navy);
  color:var(--white);
  line-height:1.6;
}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
.container{max-width:1200px;margin:0 auto;padding:0 24px;}
.section{padding:80px 0;}
.section-alt{background:var(--navy-2);}
.eyebrow{color:var(--teal);letter-spacing:2px;font-weight:600;font-size:14px;text-transform:uppercase;margin-bottom:12px;}
h1,h2,h3{font-weight:800;}
h2{font-size:34px;margin-bottom:16px;}
.lead{color:var(--muted);font-size:18px;max-width:680px;margin:0 auto 40px;text-align:center;}
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:14px 26px;border-radius:8px;font-weight:600;
  cursor:pointer;border:none;font-size:15px;transition:.2s;
}
.btn-primary{background:var(--teal);color:var(--navy);}
.btn-primary:hover{background:var(--teal-2);}
.btn-outline{background:transparent;color:var(--white);border:1.5px solid var(--border);}
.btn-outline:hover{border-color:var(--teal);color:var(--teal);}

.advisor-line{color:var(--teal);font-size:13.5px;font-weight:600;margin-top:14px;}

/* Header */
header{
  position:sticky;top:0;z-index:100;
  background:rgba(7,20,39,0.95);
  backdrop-filter:blur(6px);
  border-bottom:1px solid var(--border);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:1200px;margin:0 auto;}
.logo{display:flex;align-items:center;gap:12px;font-weight:800;font-size:20px;}
.logo span{color:var(--teal);}
.logo .tagline{display:block;font-size:11px;letter-spacing:3px;color:var(--teal);font-weight:600;}
.navlinks{display:flex;gap:26px;align-items:center;}
.navlinks a{font-size:15px;font-weight:500;color:var(--white);}
.navlinks a:hover, .navlinks a.active{color:var(--teal);}
.menu-toggle{display:none;background:none;border:none;color:var(--white);font-size:26px;cursor:pointer;}

.nav-dropdown{position:relative;}
.nav-dropdown::after{
  content:"";display:none;position:absolute;top:100%;left:-12px;right:-12px;height:14px;
}
.nav-dropdown:hover::after,
.nav-dropdown.is-open::after{display:block;}
.nav-dropdown-menu{
  display:none;position:absolute;top:100%;left:50%;transform:translateX(-50%);
  background:var(--navy-2);border:1px solid var(--border);border-radius:10px;
  padding:10px;margin-top:14px;min-width:220px;
  flex-direction:column;gap:2px;box-shadow:0 12px 30px rgba(0,0,0,0.4);z-index:50;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown.is-open .nav-dropdown-menu{display:flex;}
.nav-dropdown-menu a{padding:9px 12px;border-radius:6px;font-size:14px;}
.nav-dropdown-menu a:hover{background:rgba(31,201,183,0.12);color:var(--teal);}
.nav-subdropdown{position:relative;}
.nav-subdropdown-toggle{display:flex;align-items:center;justify-content:space-between;gap:18px;}
.submenu-caret{font-size:12px;color:var(--teal);}
.nav-subdropdown-menu{
  display:none;position:absolute;top:-10px;left:100%;margin-left:10px;
  background:var(--navy-2);border:1px solid var(--border);border-radius:10px;
  padding:10px;min-width:220px;flex-direction:column;gap:2px;
  box-shadow:0 12px 30px rgba(0,0,0,0.4);
}
.nav-subdropdown:hover .nav-subdropdown-menu{display:flex;}
.nav-dropdown-label{
  font-size:10.5px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;
  color:var(--muted);padding:10px 12px 4px;margin-top:4px;border-top:1px solid var(--border);
}
.logo-full{height:64px;width:auto;flex:none;}
@media (max-width:640px){.logo-full{height:52px;}}

/* Page banner (service pages) */
.page-banner{
  padding:60px 0;
  background:radial-gradient(circle at 75% 30%, rgba(31,201,183,0.15), transparent 55%);
  border-bottom:1px solid var(--border);
}
.breadcrumb{color:var(--muted);font-size:14px;margin-bottom:14px;}
.breadcrumb a{color:var(--teal);}
.page-banner h1{font-size:40px;margin-bottom:14px;}
.page-banner p{color:var(--muted);font-size:17px;max-width:640px;}
.page-banner-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:40px;align-items:center;}
.page-banner-grid img{width:100%;height:100%;min-height:280px;object-fit:cover;border-radius:16px;border:1px solid var(--border);}
@media (max-width:1000px){.page-banner-grid{grid-template-columns:1fr;}}

/* Hero */
.hero{
  padding:70px 0 40px;
  background:radial-gradient(circle at 75% 30%, rgba(31,201,183,0.15), transparent 55%);
  overflow:hidden;
}
.hero-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:40px;align-items:center;}
.hero h1{font-size:52px;line-height:1.15;margin-bottom:20px;}
.hero h1 .accent{color:var(--teal);}
.hero p{color:var(--muted);font-size:18px;margin-bottom:28px;max-width:520px;}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:36px;}
.hero-badges{display:flex;gap:28px;flex-wrap:wrap;padding-top:20px;border-top:1px solid var(--border);}
.hero-badge{display:flex;gap:10px;align-items:flex-start;}
.hero-badge .label{font-size:11px;letter-spacing:1px;color:var(--muted);}
.hero-badge .value{font-weight:700;color:var(--teal);font-size:15px;}
.hero-img-wrap{position:relative;min-height:460px;display:flex;align-items:flex-end;justify-content:center;}
.hero-img-wrap .hero-decor{position:absolute;inset:-10% -15%;z-index:0;opacity:0.9;pointer-events:none;}
.hero-img-wrap img{position:relative;z-index:1;max-width:90%;max-height:520px;width:auto;object-fit:contain;}
@media (max-width:1000px){
  .hero-img-wrap{min-height:340px;}
  .hero-img-wrap img{max-height:380px;}
}

.features-bar{
  display:grid;grid-template-columns:repeat(6,1fr);
  background:var(--navy-2);border:1px solid var(--border);border-radius:14px;
  padding:28px 12px;margin-top:50px;gap:10px;
}
.feature-item{display:flex;align-items:center;gap:10px;font-size:14px;font-weight:600;padding:0 10px;}
.feature-icon{width:36px;height:36px;flex:none;border-radius:50%;border:1.5px solid var(--teal);display:flex;align-items:center;justify-content:center;color:var(--teal);}

/* Cards / grids */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px;}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.card{
  background:var(--navy-2);border:1px solid var(--border);border-radius:14px;
  padding:30px 26px;transition:.2s;
}
.card:hover{border-color:var(--teal);transform:translateY(-4px);}
.card .icon{width:48px;height:48px;border-radius:10px;background:rgba(31,201,183,0.12);color:var(--teal);display:flex;align-items:center;justify-content:center;margin-bottom:18px;font-size:22px;}
.card h3{font-size:19px;margin-bottom:10px;}
.card p{color:var(--muted);font-size:14.5px;}
.card-click{cursor:pointer;display:block;}
.card-cta{margin-top:16px;color:var(--teal);font-weight:600;font-size:14px;}
.card-img{
  width:calc(100% + 52px);height:170px;margin:-30px -26px 20px;
  overflow:hidden;border-radius:14px 14px 0 0;
  border-bottom:1px solid var(--border);background:var(--navy);
}
.card-img img{width:100%;height:100%;object-fit:cover;transition:.25s;}
.card-click:hover .card-img img{transform:scale(1.04);}
.card-img + .icon{display:none;}

/* dropdown selects inside cards */
.select-group{margin-top:16px;display:flex;flex-direction:column;gap:10px;}
.select-group label{font-size:12px;color:var(--muted);letter-spacing:.5px;text-transform:uppercase;}
select.finselect{
  width:100%;padding:11px 12px;border-radius:8px;
  background:var(--navy);border:1px solid var(--border);color:var(--white);
  font-size:14px;cursor:pointer;
}
select.finselect:focus{outline:none;border-color:var(--teal);}

/* SIP / Lumpsum calculator */
.calc-card{background:var(--navy-2);border:1px solid var(--border);border-radius:14px;padding:36px;max-width:820px;margin:0 auto;}
.calc-tabs{display:flex;gap:10px;margin-bottom:26px;}
.calc-tab{flex:1;padding:12px;border-radius:8px;background:var(--navy);border:1px solid var(--border);color:var(--muted);font-weight:600;font-size:15px;cursor:pointer;transition:.2s;}
.calc-tab.active{background:var(--teal);color:var(--navy);border-color:var(--teal);}
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:30px;}
.calc-results{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;border-top:1px solid var(--border);padding-top:24px;}
.calc-result-item{text-align:center;}
.calc-result-item .t{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px;}
.calc-result-item .v{font-size:22px;font-weight:800;}
.calc-result-item.highlight .v{color:var(--teal);}

/* Partners */
.partners-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;}
.partner-card{
  background:var(--navy-2);border:1px solid var(--border);border-radius:12px;
  padding:26px 18px;text-align:center;
}
.partner-card .p-name{font-weight:700;font-size:15px;margin-bottom:6px;}
.partner-card .p-role{color:var(--teal);font-size:12.5px;letter-spacing:.5px;text-transform:uppercase;}
.partner-card .p-logo{
  width:100%;height:64px;background:#ffffff;border-radius:8px;
  display:flex;align-items:center;justify-content:center;
  padding:8px;margin-bottom:14px;
}
.partner-card .p-logo img{max-width:100%;max-height:100%;object-fit:contain;}

.logo-marquee{overflow:hidden;width:100%;-webkit-mask-image:linear-gradient(to right, transparent 0, black 40px, black calc(100% - 40px), transparent 100%);mask-image:linear-gradient(to right, transparent 0, black 40px, black calc(100% - 40px), transparent 100%);}
.logo-marquee-track{display:inline-flex;gap:36px;animation:logo-scroll 32s linear infinite;}
.logo-marquee-track:hover{animation-play-state:paused;}
.logo-marquee-item{
  display:flex;flex-direction:column;align-items:center;gap:10px;
  flex:none;width:150px;text-align:center;
}
.logo-marquee-item .p-logo{
  width:100%;height:64px;background:#ffffff;border-radius:8px;
  display:flex;align-items:center;justify-content:center;
  padding:8px;
}
.logo-marquee-item .p-logo img{max-width:100%;max-height:100%;object-fit:contain;}
.logo-marquee-item .p-logo.p-logo-text{
  background:var(--navy-2);border:1px solid var(--border);color:var(--white);
  font-weight:700;font-size:13px;
}
.logo-marquee-item .p-name{font-size:13px;font-weight:600;}
.logo-marquee-item .p-role{color:var(--teal);font-size:11px;letter-spacing:.5px;text-transform:uppercase;}
@keyframes logo-scroll{
  from{transform:translateX(0);}
  to{transform:translateX(-50%);}
}
@media (prefers-reduced-motion: reduce){
  .logo-marquee-track{animation:none;}
  .logo-marquee{overflow-x:auto;}
}

/* About */
.about-grid{display:grid;grid-template-columns:0.9fr 1.1fr;gap:50px;align-items:center;}
.about-list{list-style:none;margin-top:20px;display:flex;flex-direction:column;gap:14px;}
.about-list li{display:flex;gap:12px;align-items:flex-start;color:var(--muted);}
.about-list li b{color:var(--white);}
.check{color:var(--teal);font-weight:800;}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;}
.contact-card{background:var(--navy-2);border:1px solid var(--border);border-radius:14px;padding:36px;}
.form-row{display:flex;flex-direction:column;gap:8px;margin-bottom:18px;}
.form-row label{font-size:13px;color:var(--muted);}
.form-row input,.form-row textarea,.form-row select{
  padding:12px;border-radius:8px;background:var(--navy);border:1px solid var(--border);color:var(--white);font-size:14px;
}
.form-row input:focus,.form-row textarea:focus,.form-row select:focus{outline:none;border-color:var(--teal);}
.form-row select:disabled{opacity:0.85;cursor:not-allowed;}
.radio-row{display:flex;flex-direction:column;gap:10px;}
.radio-option{display:flex;align-items:center;gap:10px;font-size:14px;color:var(--white);cursor:pointer;}
.radio-option input{width:auto;accent-color:var(--teal);}
.consent-option{display:flex;align-items:flex-start;gap:10px;font-size:12.5px;color:var(--muted);line-height:1.6;cursor:pointer;}
.consent-option input{width:auto;flex:none;margin-top:3px;accent-color:var(--teal);}
.consent-option a{color:var(--teal);}
.contact-info-item{display:flex;gap:14px;align-items:flex-start;margin-bottom:24px;}
.contact-info-item .ico{width:44px;height:44px;border-radius:10px;background:rgba(31,201,183,0.12);color:var(--teal);display:flex;align-items:center;justify-content:center;flex:none;}
.contact-info-item .t{font-size:13px;color:var(--muted);}
.contact-info-item .v{font-weight:600;}
.map-embed{
  margin-top:20px;border-radius:12px;overflow:hidden;
  border:1px solid var(--border);height:220px;
}
.map-embed iframe{width:100%;height:100%;border:0;filter:grayscale(0.2) invert(0.92) hue-rotate(180deg);}

footer{background:var(--navy-2);border-top:1px solid var(--border);padding:50px 0 24px;font-family:Georgia,'Times New Roman',serif;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px;margin-bottom:36px;}
.footer-col h4{margin-bottom:16px;font-size:15px;font-family:'Segoe UI',Arial,sans-serif;}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:10px;}
.footer-col ul a{color:var(--muted);font-size:14px;}
.footer-col ul a:hover{color:var(--teal);}
.footer-bottom{border-top:1px solid var(--border);padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;color:var(--muted);font-size:13px;}
.social-row{display:flex;gap:10px;margin-top:16px;}
.social-row a{
  width:34px;height:34px;border-radius:50%;border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;
  font-size:12px;font-weight:700;text-transform:uppercase;color:var(--muted);
  font-family:'Segoe UI',Arial,sans-serif;
}
.social-row a:hover{border-color:var(--teal);color:var(--teal);}
.disclaimer{color:var(--muted);font-size:12.5px;max-width:1200px;margin:0 auto;padding:0 24px 30px;line-height:1.7;}
.disclaimer a{color:var(--teal);}
.disclaimer a:hover{text-decoration:underline;}

.risk-callout{
  display:flex;gap:14px;align-items:flex-start;
  background:rgba(255,176,32,0.08);border:1px solid rgba(255,176,32,0.35);
  border-radius:12px;padding:20px 22px;margin-top:30px;
}
.risk-callout .ico{font-size:22px;flex:none;line-height:1;}
.risk-callout p{color:var(--muted);font-size:14px;line-height:1.7;}
.risk-callout b{color:#ffb020;}

/* FAQ accordion */
.faq-toc{
  display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:10px;
}
.faq-toc a{
  padding:8px 16px;border-radius:20px;border:1px solid var(--border);
  font-size:13.5px;color:var(--muted);
}
.faq-toc a:hover{border-color:var(--teal);color:var(--teal);}
.faq-group{margin-bottom:56px;scroll-margin-top:100px;}
.faq-group-head{margin-bottom:10px;}
.faq-group-head h2{font-size:26px;margin-bottom:8px;}
.faq-group-head p{color:var(--muted);font-size:14.5px;}
.faq-subhead{
  color:var(--teal);font-size:12.5px;font-weight:700;letter-spacing:.6px;
  text-transform:uppercase;margin:28px 0 12px;
}
.faq-item{
  border:1px solid var(--border);border-radius:10px;margin-bottom:10px;
  background:var(--navy-2);overflow:hidden;
}
.faq-item summary{
  padding:16px 20px;cursor:pointer;font-weight:600;list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:16px;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";color:var(--teal);font-size:22px;flex:none;line-height:1;}
.faq-item[open] summary::after{content:"\2212";}
.faq-item[open] summary{border-bottom:1px solid var(--border);}
.faq-answer{padding:16px 20px 20px;color:var(--muted);font-size:14.5px;line-height:1.75;}
.faq-answer p{margin-bottom:10px;}
.faq-answer p:last-child{margin-bottom:0;}
.faq-answer ul{padding-left:20px;margin:8px 0;}
.faq-answer li{margin-bottom:6px;}
.faq-disclaimer{
  background:var(--navy-2);border:1px solid var(--border);border-radius:12px;
  padding:26px;margin-top:20px;color:var(--muted);font-size:13.5px;line-height:1.8;
}
.faq-disclaimer h3{color:var(--white);font-size:15px;margin:18px 0 8px;}
.faq-disclaimer h3:first-child{margin-top:0;}

.whatsapp-float{
  position:fixed;bottom:26px;right:26px;z-index:200;
  background:#25D366;width:58px;height:58px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 6px 20px rgba(0,0,0,0.35);font-size:28px;
}

@media (max-width:1000px){
  .hero-grid,.about-grid,.contact-grid,.grid-2{grid-template-columns:1fr;}
  .grid-3{grid-template-columns:repeat(2,1fr);}
  .grid-4{grid-template-columns:repeat(2,1fr);}
  .partners-grid{grid-template-columns:repeat(2,1fr);}
  .features-bar{grid-template-columns:repeat(3,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .hero h1{font-size:38px;}
  .calc-grid,.calc-results{grid-template-columns:1fr;}
}
@media (max-width:820px){
  .navlinks{
    display:none;position:absolute;top:100%;left:0;right:0;
    flex-direction:column;align-items:stretch;
    background:var(--navy-2);border-bottom:1px solid var(--border);
    padding:8px 24px 20px;gap:0;
    max-height:calc(100vh - 90px);overflow-y:auto;-webkit-overflow-scrolling:touch;
  }
  .navlinks.open{display:flex;}
  .menu-toggle{display:block;}
  .nav .btn-primary{display:none;}

  .navlinks > a{
    padding:15px 2px;text-align:left;border-bottom:1px solid var(--border);
  }
  .navlinks > a:last-child{border-bottom:none;}

  .nav-dropdown{width:100%;border-bottom:1px solid var(--border);}
  .nav-dropdown::after{display:none!important;}
  .nav-dropdown > a[data-dropdown-toggle]{
    display:flex;align-items:center;justify-content:space-between;
    width:100%;padding:15px 2px;
  }
  .nav-caret{display:inline-block;font-size:12px;transition:transform .2s;}
  .nav-dropdown.is-open .nav-caret{transform:rotate(180deg);}

  .nav-dropdown-menu{
    display:none;position:static;transform:none;flex-direction:column;
    background:transparent;border:none;box-shadow:none;padding:2px 0 14px 14px;
    margin-top:0;min-width:0;gap:12px;
  }
  /* Disable hover-driven dropdown on touch screens - visibility is controlled purely by JS .is-open */
  .nav-dropdown:hover .nav-dropdown-menu{display:none;}
  .nav-dropdown.is-open .nav-dropdown-menu{display:flex;}
  .nav-dropdown-menu a{padding:0;font-size:13.5px;color:var(--muted);text-align:left;}
  .nav-subdropdown{width:100%;}
  .nav-subdropdown-toggle{justify-content:flex-start;}
  .submenu-caret{transform:rotate(90deg);}
  .nav-subdropdown-menu{
    display:none;position:static;margin:8px 0 0 14px;padding:0;border:none;
    background:transparent;box-shadow:none;min-width:0;gap:10px;
  }
  .nav-subdropdown.is-open .nav-subdropdown-menu{display:flex;}
}
@media (max-width:640px){
  .features-bar{grid-template-columns:repeat(2,1fr);}
  .grid-3,.grid-4,.partners-grid,.footer-grid{grid-template-columns:1fr;}
  .hero h1{font-size:32px;}
  .page-banner h1{font-size:30px;}
}