/* Palette: deep navy primary (--maroon), amber secondary (--gold, used
     for the trust badge / CTAs / links). Variable names kept as
     --maroon/--gold from earlier iterations for compatibility with all
     existing rules below. */
  :root{
    --cream: #F8FAFC;
    --cream-2: #EEF2F6;
    --maroon: #0F2C59;
    --maroon-deep: #0A1F3D;
    --gold: #F2900C;
    --gold-light: #FFBB55;
    --gold-bg: #FFF3E0;
    --border-color: #E2E8F0;
    --accent-olive: #6B7D3D;
    --accent-olive-bg: #EEF2E1;
    --accent-terracotta: #C2652A;
    --accent-terracotta-bg: #FBEBDD;
    --accent-crimson: #A83420;
    --accent-crimson-bg: #FBE7E3;
    --accent-amber: #FF9F1C;
    --accent-amber-bg: #FFF3E0;
    --green: #3B6D11;
    --ink: #0F172A;
    --paper: #FFFFFF;
    --max-w: 1180px;
    --radius-sm: 6px;
    --radius-lg: 12px;
    --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
    --shadow-md: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
  }

  *{ box-sizing: border-box; }
  html{ scroll-behavior: smooth; }
  body{
    margin:0;
    background: var(--cream);
    color: var(--ink);
    font-family: 'Inter', system-ui, -apple-system, sans-serif;
    font-size: 17px;
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
  }
  h1,h2,h3{
    font-family: 'Rozha One', serif;
    color: var(--maroon);
    margin: 0 0 0.4em 0;
    font-weight: 400;
    line-height: 1.15;
  }
  a{ color: inherit; }
  img{ max-width: 100%; display:block; }
  .wrap{ max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
  .eyebrow{
    font-family:'Inter', system-ui, -apple-system, sans-serif;
    font-weight:700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    font-size: 13px;
    color: var(--gold);
  }

  :focus-visible{
    outline: 3px solid var(--gold);
    outline-offset: 3px;
  }

  /* ---------- Wave divider (echoes the pot's belly band pattern) ---------- */
  .wave-divider{
    width:100%;
    height: 28px;
    display:block;
  }
  .wave-divider path{
    fill:none;
    stroke: var(--gold);
    stroke-width: 3;
    stroke-linecap: round;
  }

  /* ---------- Header ---------- */
  header{
    position: sticky; top:0; z-index: 50;
    background: rgba(248,250,252,0.92);
    backdrop-filter: blur(6px);
    border-bottom: 1px solid rgba(15,44,89,0.10);
  }
  .nav{
    display:flex; align-items:center; justify-content:space-between;
    padding: 14px 24px;
    max-width: var(--max-w); margin:0 auto;
  }
  .brand{ display:flex; align-items:center; gap:12px; text-decoration:none; }
  .brand img{ height: 46px; width:auto; }
  .brand-text{ display:flex; flex-direction:column; line-height:1.1; }
  .brand-name{
    font-family:'Rozha One',serif; color: var(--maroon); font-size: 21px;
  }
  .brand-name .accent{ color: var(--gold); }
  .brand-sub{
    font-size: 11px; font-weight:600; color: var(--gold); letter-spacing:0.06em;
    text-transform:uppercase;
  }
  .brand-tagline{
    font-size: 11px; font-style: italic; color: var(--maroon); opacity:0.72;
    letter-spacing:0.01em;
  }
  nav.links{ display:flex; align-items:center; gap: 18px; }
  nav.links a{
    text-decoration:none; font-weight:600; font-size:15px; color: var(--maroon);
    position:relative; padding-bottom:4px;
  }
  nav.links a::after{
    content:''; position:absolute; left:0; bottom:0; width:0; height:2px; background:var(--gold);
    transition: width 0.25s ease;
  }
  nav.links a:hover::after{ width:100%; }
  .nav-cta{
    background: var(--maroon); color: var(--cream) !important;
    padding: 10px 20px; border-radius: var(--radius-sm); font-weight:700 !important;
    text-decoration:none; font-size:14px !important;
  }
  .nav-cta::after{ display:none; }
  .menu-btn{ display:none; background:none; border:none; cursor:pointer; }
  .menu-btn svg{ width:28px; height:28px; }

  @media (max-width: 1100px){
    nav.links{
      position:absolute; top:100%; left:0; right:0;
      background: var(--cream); flex-direction:column; gap:0;
      max-height:0; overflow:hidden; border-bottom: 1px solid rgba(15,44,89,0.1);
      transition: max-height 0.3s ease;
    }
    nav.links.open{ max-height: 560px; }
    nav.links a{ padding: 16px 24px; border-top:1px solid rgba(15,44,89,0.08); }
    nav.links a::after{ display:none; }
    .nav-cta{ margin: 16px 24px; text-align:center; }
    .menu-btn{ display:block; }
    .nav-login{
      border:none; border-radius:0; justify-content:center; padding:16px 24px !important;
      border-top:1px solid rgba(15,44,89,0.08);
    }
    .nav-login .nav-login-text{ display:inline !important; }
  }

  /* ---------- Hero ---------- */
  .hero{
    padding: 72px 0 40px;
    display:grid; grid-template-columns: 1.1fr 0.9fr; gap: 40px; align-items:center;
  }
  .trust-badge{
    display:inline-block; background: var(--gold-bg); color: var(--gold);
    padding: 6px 16px; border-radius: 999px; font-size:13px; font-weight:700;
    margin-bottom: 18px;
  }
  .hero-card{
    background: var(--paper); padding: 32px; border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md); border-top: 4px solid var(--gold);
  }
  .hero-card h3{ font-size:19px; margin-bottom:10px; }
  .hero-card > p{ font-size:14.5px; opacity:0.85; margin-bottom:18px; }
  .hero-card-list{ list-style:none; padding:0; margin:0; display:flex; flex-direction:column; gap:10px; }
  .hero-card-list li{
    font-size:13.5px; font-weight:600; color: var(--ink); opacity:0.9;
    padding-left:24px; position:relative;
  }
  .hero-card-list li::before{
    content:"\2713"; position:absolute; left:0; top:0; color: var(--gold); font-weight:700;
  }
  .hero.hero-solo{
    grid-template-columns: 1fr; text-align:center; padding-top: 56px;
  }
  .hero.hero-solo h1{ margin-left:auto; margin-right:auto; }
  .hero.hero-solo .sub{ margin-left:auto; margin-right:auto; }
  .hero.hero-solo .hero-ctas{ justify-content:center; }
  .hero h1{ font-size: clamp(34px, 5vw, 56px); }
  .hero .sub{ font-size:19px; max-width: 46ch; color: var(--ink); opacity:0.92; margin-bottom: 28px; }
  .hero-ctas{ display:flex; gap:16px; flex-wrap:wrap; }
  .btn{
    display:inline-block; padding: 14px 26px; border-radius: var(--radius-sm); text-decoration:none;
    font-weight:700; font-size:15px; transition: transform 0.2s ease, box-shadow 0.2s ease;
  }
  .btn-primary{ background: var(--maroon); color: var(--cream); }
  .btn-primary:hover{ transform: translateY(-2px); box-shadow: 0 10px 24px rgba(15,44,89,0.25); }
  .btn-ghost{ border: 2px solid var(--maroon); color: var(--maroon); }
  .btn-ghost:hover{ background: var(--maroon); color: var(--cream); }

  .trust-bar{
    display:flex; flex-wrap:wrap; gap: 14px 32px; justify-content:center;
    padding: 22px 0 8px; border-top:1px solid rgba(15,44,89,0.10);
  }
  .trust-item{ display:flex; align-items:center; gap:8px; font-weight:600; font-size:14px; color: var(--maroon); }
  .trust-item svg{ width:18px; height:18px; flex-shrink:0; }

  @media (max-width: 820px){
    .hero{ grid-template-columns: 1fr; padding-top: 44px; text-align:center; }
    .hero .sub{ margin-left:auto; margin-right:auto; }
    .hero-ctas{ justify-content:center; }
  }

  section{ padding: 76px 0; }
  .reveal{ opacity:0; transform: translateY(24px); transition: opacity 0.7s ease, transform 0.7s ease; }
  .reveal.in{ opacity:1; transform:none; }

  /* ---------- Philosophy ---------- */
  .philosophy{ background: var(--cream-2); }
  .philosophy .grid{
    display:grid; grid-template-columns: 0.85fr 1.15fr; gap: 56px; align-items:center;
  }
  .sankalp-mark{
    font-family:'Rozha One',serif; font-size: 120px; color: var(--gold); line-height:1;
    opacity:0.9;
  }
  .philosophy p{ font-size:18px; max-width: 60ch; }
  @media (max-width: 820px){
    .philosophy .grid{ grid-template-columns:1fr; text-align:center; }
    .sankalp-mark{ font-size:80px; }
  }

  /* ---------- Services ---------- */
  .services-grid{
    display:grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 44px;
  }
  .service-card{
    background: var(--paper); border-radius: var(--radius-lg); padding: 30px 26px;
    border: 1px solid rgba(15,44,89,0.08);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
  }
  .service-card:hover{ transform: translateY(-6px); box-shadow: 0 16px 32px rgba(15,44,89,0.10); }
  .service-card .icon{
    width: 48px; height:48px; border-radius: var(--radius-sm); background: var(--cream-2);
    display:flex; align-items:center; justify-content:center; margin-bottom:18px;
  }
  .service-card .icon svg{ width:26px; height:26px; stroke: var(--maroon); }
  .service-card:nth-child(1) .icon{ background: var(--gold-light); }
  .service-card:nth-child(1) .icon svg{ stroke: var(--maroon-deep); }
  .service-card:nth-child(2) .icon{ background: var(--accent-olive-bg); }
  .service-card:nth-child(2) .icon svg{ stroke: var(--accent-olive); }
  .service-card:nth-child(3) .icon{ background: var(--accent-terracotta-bg); }
  .service-card:nth-child(3) .icon svg{ stroke: var(--accent-terracotta); }
  .service-card:nth-child(4) .icon{ background: var(--accent-crimson-bg); }
  .service-card:nth-child(4) .icon svg{ stroke: var(--accent-crimson); }
  .service-card:nth-child(5) .icon{ background: var(--gold-bg); }
  .service-card:nth-child(5) .icon svg{ stroke: var(--gold); }
  .service-card:nth-child(6) .icon{ background: var(--cream-2); }
  .service-card:nth-child(6) .icon svg{ stroke: var(--maroon); }
  .service-card h3{ font-size: 21px; margin-bottom: 8px; }
  .service-card p{ font-size:15px; color: var(--ink); opacity:0.85; margin:0; }
  @media (max-width: 980px){ .services-grid{ grid-template-columns: 1fr 1fr; } }
  @media (max-width: 640px){ .services-grid{ grid-template-columns: 1fr; } }

  /* ---------- Process ---------- */
  .process{ background: var(--maroon-deep); color: var(--cream); }
  .process h2, .process .eyebrow{ color: var(--cream); }
  .process .eyebrow{ color: var(--gold-light); }
  .process-steps{
    display:grid; grid-template-columns: repeat(3,1fr); gap: 30px; margin-top: 48px; position:relative;
  }
  .process-steps::before{
    content:''; position:absolute; top:34px; left: 12%; right:12%; height:2px;
    background: repeating-linear-gradient(90deg, var(--gold) 0 10px, transparent 10px 20px);
  }
  .step{ position:relative; text-align:center; }
  .step .num{
    width:68px; height:68px; border-radius:50%; background: var(--gold);
    color: var(--maroon-deep); font-family:'Rozha One',serif; font-size:26px;
    display:flex; align-items:center; justify-content:center; margin: 0 auto 20px;
    position:relative; z-index:2;
  }
  .step h3{ color: var(--cream); font-size:20px; }
  .step p{ font-size:15px; opacity:0.85; max-width:28ch; margin: 0 auto; }
  @media (max-width: 820px){
    .process-steps{ grid-template-columns:1fr; gap: 44px; }
    .process-steps::before{ display:none; }
  }

  /* ---------- Why us ---------- */
  .why-grid{
    display:grid; grid-template-columns: repeat(2,1fr); gap: 20px 40px; margin-top:44px;
  }
  .why-item{ display:flex; gap:16px; }
  .why-item svg{ width:26px; height:26px; stroke: var(--gold); flex-shrink:0; margin-top:4px; }
  .why-item h3{ font-size:19px; margin-bottom:4px; }
  .why-item p{ margin:0; font-size:15px; opacity:0.85; }
  @media (max-width: 720px){ .why-grid{ grid-template-columns:1fr; } }

  /* ---------- CTA / Contact ---------- */
  .contact{ background: var(--cream-2); }
  .contact-box{
    background: var(--paper); border-radius: var(--radius-lg); padding: 52px;
    display:grid; grid-template-columns: 1.1fr 0.9fr; gap: 40px; align-items:center;
    box-shadow: 0 20px 50px rgba(15,44,89,0.08);
  }
  .contact-list{ list-style:none; padding:0; margin: 20px 0 0; display:flex; flex-direction:column; gap:14px; }
  .contact-list li{ display:flex; gap:12px; align-items:center; font-weight:600; }
  .contact-list svg{ width:20px; height:20px; stroke: var(--maroon); flex-shrink:0; }
  @media (max-width: 820px){
    .contact-box{ grid-template-columns:1fr; padding: 32px 24px; text-align:center; }
    .contact-list li{ justify-content:center; }
  }

  .map-card{
    margin-top: 28px; border-radius: var(--radius-lg); overflow:hidden;
    box-shadow: 0 16px 40px rgba(15,44,89,0.09); border: 1px solid rgba(15,44,89,0.08);
    line-height:0;
  }
  .map-card iframe{ display:block; }

  /* ---------- Nav Login link (icon + label; icon-only when space is tight) ---------- */
  .nav-login{
    display:inline-flex; align-items:center; gap:6px;
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-weight:700; font-size:13px; color: var(--maroon);
    border: 1.5px solid var(--maroon); border-radius: var(--radius-sm); padding:6px 12px;
    text-decoration:none; white-space:nowrap;
  }
  .nav-login:hover{ background: var(--maroon); color:#fff; }
  .nav-login svg{ width:15px; height:15px; stroke:currentColor; flex-shrink:0; }
  @media (max-width: 900px){
    .nav-login .nav-login-text{ display:none; }
    .nav-login{ padding:7px 9px; }
  }

  /* ---------- Advisor Bio ---------- */
  .advisor-bio{
    display:flex; gap: 26px; align-items:center;
    background: var(--paper); border-radius: var(--radius-lg); padding: 26px;
    box-shadow: 0 14px 34px rgba(15,44,89,0.09); border: 1px solid rgba(15,44,89,0.08);
    margin-bottom: 32px;
  }
  .advisor-bio img{
    width:400px; height:227px; object-fit:cover; object-position: top center;
    border-radius: var(--radius-lg); flex-shrink:0;
    border: 2px solid var(--gold);
  }
  .advisor-bio h3{ font-size:20px; margin:2px 0 10px; color: var(--maroon); }
  .advisor-bio p{ font-size:13.5px; line-height:1.6; opacity:0.9; margin:0; }
  @media (max-width: 620px){
    .advisor-bio{ flex-direction:column; text-align:center; }
  }

  /* ---------- Pricing badge (limited-time offer) ---------- */
  .price-badge{
    display:flex; align-items:baseline; justify-content:center; gap:10px; margin-bottom:14px;
  }
  .price-old{
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-size:18px; font-weight:600; color:#475569;
    text-decoration: line-through; opacity:0.75;
  }
  .price-new{
    font-family:'Rozha One',serif; font-size:26px; color: var(--maroon);
  }
  .price-note{
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-size:11.5px; font-weight:700; letter-spacing:0.04em;
    text-transform:uppercase; color:#fff; background: var(--gold);
    padding:3px 10px; border-radius: var(--radius-sm); align-self:center;
  }

  /* ---------- Sankalp Form ---------- */
  .sankalp-form-box{
    background: var(--paper); border-radius: var(--radius-lg); padding: 52px;
    margin-top: 32px;
    box-shadow: 0 20px 50px rgba(15,44,89,0.08);
  }
  .sankalp-form-box h3{
    font-size: 24px; text-align:center; margin-bottom: 6px;
  }
  .sankalp-form-box .form-sub{
    text-align:center; font-size:15px; opacity:0.8; max-width:46ch; margin:0 auto 32px;
  }
  .form-row{ display:grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom:20px; }
  .form-field{ display:flex; flex-direction:column; gap:6px; }
  .form-field label{ font-size:13px; font-weight:700; color: var(--maroon); }
  .form-field .opt{ font-weight:400; opacity:0.7; }
  .form-field input, .form-field select, .form-field textarea{
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-size:15px; color: var(--ink);
    background: var(--cream); border: 1.5px solid rgba(15,44,89,0.15);
    border-radius: var(--radius-sm); padding: 12px 14px;
  }
  .form-field input:focus, .form-field select:focus, .form-field textarea:focus{
    outline:none; border-color: var(--gold); background: var(--paper);
  }
  .form-field textarea{ resize:vertical; min-height:90px; }
  .sankalp-form-box button.btn{ display:block; width:100%; border:none; cursor:pointer; margin-top:6px; }
  .form-status{
    display:none; text-align:center; font-size:14px; padding:12px; border-radius: var(--radius-sm); margin-top:16px;
  }
  .form-status.success{ display:block; background:#EAF2E4; color: var(--green); }
  .form-status.error{ display:block; background:#F7E4DD; color: var(--maroon); }
  .hp-field{ position:absolute; left:-9999px; }
  @media (max-width: 620px){
    .sankalp-form-box{ padding: 32px 22px; }
    .form-row{ grid-template-columns:1fr; gap:0; }
  }

  /* ---------- Goal Calculators ---------- */
  .calc-card, .compare-card{
    background: var(--paper); border-radius: var(--radius-lg); padding: 36px;
    box-shadow: 0 16px 40px rgba(15,44,89,0.09); border:1px solid rgba(15,44,89,0.08);
    margin-top: 34px;
  }
  .calc-tabs{ display:flex; gap:10px; margin-bottom: 26px; }
  .calc-tab{
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-weight:700; font-size:14px; cursor:pointer;
    padding:9px 20px; border-radius: var(--radius-sm); border:2px solid var(--maroon); background:transparent;
    color: var(--maroon);
  }
  .calc-tab.active{ background: var(--maroon); color:#fff; }
  .calc-panel.hidden{ display:none; }
  .calc-inputs{ display:grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-bottom: 28px; }
  .calc-inputs label{
    display:flex; flex-direction:column; gap:8px; font-size:13px; font-weight:700; color: var(--maroon);
  }
  .calc-inputs input[type="range"]{ accent-color: var(--gold); width:100%; }
  .calc-inputs span{ font-family:'Rozha One',serif; font-size:16px; color: var(--ink); font-weight:normal; }
  .calc-results{
    display:grid; grid-template-columns: 1fr 1fr; gap:16px;
  }
  .calc-results > div{
    background: var(--cream); border-radius: var(--radius-lg); padding:16px 18px;
    display:flex; flex-direction:column; gap:4px;
  }
  .calc-results span{ font-size:12px; opacity:0.7; }
  .calc-results strong{ font-family:'Rozha One',serif; font-size:22px; color: var(--maroon); }
  .calc-results .calc-total{ grid-column: 1 / -1; background: var(--maroon); }
  .calc-results .calc-total span{ color:#DBEAFE; opacity:1; }
  .calc-results .calc-total strong{ color:#fff; font-size:26px; }
  .calc-cta{ display:inline-block; margin-top:26px; text-decoration:none; }
  .calc-disclaimer{ font-size:11px; opacity:0.6; margin-top:14px; line-height:1.5; }
  .calc-subnote{ font-size:13px; opacity:0.75; margin: -6px 0 22px; line-height:1.5; }
  .opt-hint{ font-weight:400; opacity:0.6; font-size:11.5px; text-transform:none; letter-spacing:normal; }
  .compare-card h3{ font-size:20px; color: var(--maroon); margin-bottom:6px; }
  .compare-card > p{ font-size:14px; opacity:0.85; margin:0 0 24px; }
  .compare-bars{ display:flex; flex-direction:column; gap:16px; margin-top: 10px; }
  .compare-bar .cb-label{ font-size:13px; font-weight:700; margin-bottom:6px; display:flex; justify-content:space-between; }
  .compare-bar .cb-rate{ font-weight:400; opacity:0.6; }
  .compare-bar .cb-track{ background: var(--cream); border-radius:999px; height:14px; overflow:hidden; }
  .compare-bar .cb-fill{ height:100%; border-radius:999px; width:0%; transition: width 0.4s ease; }
  #cbSavingsFill{ background: #94A3B8; }
  #cbFDFill{ background: var(--accent-olive); }
  #cbGoldFill{ background: var(--gold); }
  #cbMFFill{ background: linear-gradient(90deg, var(--gold), var(--maroon)); }
  .compare-bar .cb-value{ text-align:right; font-family:'Rozha One',serif; font-size:15px; color: var(--maroon); margin-top:4px; }
  @media (max-width: 820px){
    .calc-inputs{ grid-template-columns: 1fr; }
    .calc-results{ grid-template-columns: 1fr; }
    .calc-tabs{ flex-wrap: wrap; gap: 8px; }
    .calc-tab{ font-size:12.5px; padding:8px 14px; flex: 1 1 auto; text-align:center; }
    .calc-card, .compare-card{ padding: 24px 18px; }
  }
  @media (max-width: 420px){
    .calc-tab{ font-size:11.5px; padding:8px 10px; }
  }
  .delay-table-wrap{ overflow-x:auto; margin-top: 20px; }
  .delay-table{ width:100%; border-collapse:collapse; table-layout:fixed; font-family:'Inter', system-ui, -apple-system, sans-serif; }
  .delay-table th, .delay-table td{
    padding: 9px 6px; text-align:center; font-size:13px; border-bottom:1px solid rgba(15,44,89,0.1);
  }
  .delay-table th{ color: var(--maroon); font-size:12px; font-weight:700; }
  .delay-table td:first-child, .delay-table th:first-child{ text-align:left; font-weight:600; opacity:0.8; }
  @media (max-width: 480px){
    .delay-table th, .delay-table td{ font-size:11px; padding:7px 4px; }
  }

  /* ---------- Insights (trends + benefits) ---------- */
  .insight-grid{
    display:grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 44px;
  }
  .insight-card{
    background: var(--paper); border-radius: var(--radius-lg); padding: 30px 26px;
    border: 1px solid rgba(15,44,89,0.08);
  }
  .insight-card .tag{
    display:inline-block; font-size:11.5px; font-weight:700; letter-spacing:0.06em;
    text-transform:uppercase; color: var(--gold); background: var(--cream-2);
    padding:4px 10px; border-radius: var(--radius-sm); margin-bottom:14px;
  }
  .insight-card:nth-child(-n+3) .tag{ color: var(--accent-olive); background: var(--accent-olive-bg); }
  .insight-card:nth-child(n+4) .tag{ color: var(--accent-terracotta); background: var(--accent-terracotta-bg); }
  .insight-card h3{ font-size:19px; margin-bottom:8px; }
  .insight-card p{ font-size:14.5px; color: var(--ink); opacity:0.85; margin:0; }
  @media (max-width: 980px){ .insight-grid{ grid-template-columns: 1fr 1fr; } }
  @media (max-width: 640px){ .insight-grid{ grid-template-columns: 1fr; } }

  /* ---------- Sample Financial Plan ---------- */
  .sample-plan-box{
    background: var(--paper); border-radius: var(--radius-lg); padding: 48px;
    display:grid; grid-template-columns: 1.3fr 0.7fr; gap: 40px; align-items:center;
    box-shadow: 0 20px 50px rgba(15,44,89,0.08);
  }
  .sample-plan-text h2{ margin: 4px 0 14px; }
  .sample-plan-text p{ opacity:0.85; margin-bottom:22px; }
  .sample-plan-thumb{
    background: var(--cream); border: 2px dashed rgba(15,44,89,0.25); border-radius: var(--radius-lg);
    display:flex; flex-direction:column; align-items:center; justify-content:center; gap:12px;
    padding: 30px 16px; cursor:pointer; min-height:180px;
  }
  .sample-plan-thumb svg{ width:46px; height:46px; }
  .sample-plan-thumb span{ font-family:'Inter', system-ui, -apple-system, sans-serif; font-weight:700; font-size:13px; color: var(--maroon); text-align:center; }
  .sample-plan-thumb:hover{ background: var(--cream-2); }
  @media (max-width: 820px){
    .sample-plan-box{ grid-template-columns:1fr; padding: 32px 24px; text-align:center; }
  }

  /* ---------- PDF Viewer Modal (view-only) ---------- */
  .pdf-modal{
    display:none; position:fixed; inset:0; background:rgba(15,23,42,0.82); z-index:200;
    padding: 24px;
  }
  .pdf-modal.open{ display:flex; align-items:center; justify-content:center; }
  .pdf-modal-inner{
    background:#fff; border-radius: var(--radius-lg); width:min(900px, 100%); height:min(88vh, 1100px);
    display:flex; flex-direction:column; overflow:hidden; box-shadow:0 30px 80px rgba(0,0,0,0.4);
  }
  .pdf-modal-bar{
    display:flex; align-items:center; justify-content:space-between;
    background: var(--maroon); color:#fff; padding: 12px 18px;
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-weight:700; font-size:14px;
  }
  .pdf-modal-bar button{
    background:none; border:none; color:#fff; font-size:26px; line-height:1; cursor:pointer; padding:0 4px;
  }
  .pdf-modal-inner iframe{ flex-grow:1; border:none; width:100%; }

  /* ---------- Testimonials Grid ---------- */
  .testimonials{ background: var(--cream-2); }
  .testimonial-grid{
    display:flex; gap: 22px; margin-top: 44px;
    overflow-x:auto; scroll-snap-type:x mandatory; -webkit-overflow-scrolling:touch;
    padding-bottom: 14px;
  }
  .testimonial-grid::-webkit-scrollbar{ height:6px; }
  .testimonial-grid::-webkit-scrollbar-thumb{ background: var(--gold); border-radius:999px; }
  .testimonial-card{
    background: var(--paper); border-radius: var(--radius-lg); padding: 28px 26px;
    border: 1px solid rgba(15,44,89,0.08); display:flex; flex-direction:column;
    flex: 0 0 300px; scroll-snap-align:start;
  }
  .testimonial-card .tc-top{ display:flex; align-items:center; gap:14px; margin-bottom:16px; }
  .testimonial-card img{
    width:56px; height:56px; border-radius:50%; object-fit:cover;
    border:2px solid var(--gold); flex-shrink:0;
  }
  .testimonial-card .tc-avatar-initials{
    width:56px; height:56px; border-radius:50%; flex-shrink:0;
    background: var(--maroon); color:#fff; border:2px solid var(--gold);
    display:flex; align-items:center; justify-content:center;
    font-family:'Rozha One',serif; font-size:19px;
  }
  .testimonial-card .tc-name{ font-weight:700; font-size:14.5px; color: var(--maroon); }
  .testimonial-card .tc-role{ font-size:12px; opacity:0.7; }
  .testimonial-card .tc-loc{ font-size:12px; opacity:0.6; }
  .testimonial-card .tc-quote{ font-size:13.5px; color: var(--ink); opacity:0.9; line-height:1.55; margin:0; flex-grow:1; }
  .testimonials-scroll-hint{ text-align:center; font-size:12px; opacity:0.55; margin-top:10px; }
  @media (max-width: 640px){ .testimonial-card{ flex-basis: 260px; } }

  /* ---------- Illustrative Stories ---------- */
  .stories{ background: var(--cream-2); }
  .story-grid{
    display:grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 40px;
  }
  .story-card{
    background: var(--paper); border-radius: var(--radius-lg); padding: 28px 26px;
    border: 1px solid rgba(15,44,89,0.08); position:relative;
  }
  .story-card .story-tag{
    font-size:12px; font-weight:700; color: var(--maroon); opacity:0.7;
    text-transform:uppercase; letter-spacing:0.05em; margin-bottom:10px; display:block;
  }
  .story-card:nth-child(1) .story-tag{ color: var(--accent-terracotta); opacity:1; }
  .story-card:nth-child(2) .story-tag{ color: var(--accent-crimson); opacity:1; }
  .story-card:nth-child(3) .story-tag{ color: var(--accent-olive); opacity:1; }
  .story-card h3{ font-size:18px; margin-bottom:8px; }
  .story-card p{ font-size:14.5px; opacity:0.85; margin:0; }
  .story-note{
    text-align:center; font-size:13px; opacity:0.65; max-width:56ch; margin: 30px auto 0;
  }
  @media (max-width: 980px){ .story-grid{ grid-template-columns: 1fr 1fr; } }
  @media (max-width: 640px){ .story-grid{ grid-template-columns: 1fr; } }

  /* ---------- Disclaimer ---------- */
  .disclaimer{
    font-size: 13px; color: var(--ink); opacity:0.75; max-width: 900px; margin: 0 auto;
    text-align:center; line-height:1.6;
  }

  /* ---------- Footer ---------- */
  footer{ background: var(--maroon-deep); color: var(--cream); padding: 48px 0 28px; }
  .footer-top{
    display:flex; justify-content:space-between; flex-wrap:wrap; gap:36px; padding-bottom: 28px;
  }
  .footer-brand-col{ display:flex; flex-direction:column; gap:16px; max-width:260px; }
  .footer-brand{ display:flex; align-items:center; gap:10px; }
  .footer-brand img{ height:38px; }
  .footer-brand span{ font-family:'Rozha One',serif; font-size:19px; }
  .footer-tagline{ font-size:13px; opacity:0.75; line-height:1.5; }
  .footer-links-title{
    font-weight:700; margin-bottom:12px; font-size:12.5px; text-transform:uppercase;
    letter-spacing:0.06em; opacity:0.65;
  }
  .footer-links{ display:flex; flex-direction:column; gap:9px; }
  .footer-links a{ color: var(--cream); opacity:0.85; text-decoration:none; font-size:14px; }
  .footer-links a:hover{ opacity:1; text-decoration:underline; }
  .social-links{ display:flex; gap:14px; align-items:flex-start; }
  .social-links a{
    width:38px; height:38px; border-radius:50%; border:1px solid rgba(248,250,252,0.3);
    display:flex; align-items:center; justify-content:center; text-decoration:none;
    transition: background 0.2s ease;
  }
  .social-links a:hover{ background: var(--gold); border-color: var(--gold); }
  .social-links svg{ width:18px; height:18px; stroke: var(--cream); }
  .footer-bottom{
    border-top: 1px solid rgba(248,250,252,0.15); padding-top:20px;
    font-size:13px; opacity:0.75; text-align:center;
  }
  @media (max-width: 620px){
    .footer-top{ flex-direction:column; }
    .footer-brand-col{ max-width:none; }
  }

  .sr-only{
    position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden;
    clip:rect(0,0,0,0); white-space:nowrap; border:0;
  }

  @media (prefers-reduced-motion: reduce){
    *, *::before, *::after{
      animation-duration: 0.001ms !important;
      transition-duration: 0.001ms !important;
    }
    html{ scroll-behavior:auto; }
  }

  /* ---------- Page Hero (sub-pages) ---------- */
  .page-hero{
    background: linear-gradient(160deg, var(--maroon) 0%, var(--maroon-deep) 100%);
    padding: 64px 0 54px; text-align:center;
  }
  .page-hero .eyebrow{ color: var(--gold-light); }
  .page-hero h1{ color:#fff; font-size: 32px; margin: 8px 0 12px; }
  .page-hero p{ color: rgba(255,255,255,0.82); max-width: 60ch; margin: 0 auto; font-size:15.5px; }
  @media (max-width:620px){ .page-hero h1{ font-size:26px; } }

  /* ---------- CTA Banner (sub-pages) ---------- */
  .cta-banner{
    background: var(--cream-2); text-align:center; padding: 64px 0;
  }
  .cta-banner h2{ margin-bottom:10px; }
  .cta-banner p{ opacity:0.85; max-width:52ch; margin:0 auto 26px; }
  .cta-banner .btn-row{ display:flex; gap:16px; justify-content:center; flex-wrap:wrap; }
  @media (max-width:480px){ .cta-banner .btn-row{ flex-direction:column; align-items:center; } }

  /* ---------- Home Services Teaser ---------- */
  .services-teaser-row{ display:flex; justify-content:center; margin-top:36px; }

  /* ---------- Compounding Chart (Home) ---------- */
  .chart-section{ background: var(--cream-2); text-align:center; }
  .chart-section .eyebrow{ }
  .chart-section h2{ margin-bottom:12px; }
  .chart-section > .wrap > p.lead{ max-width:60ch; margin:0 auto 32px; opacity:0.85; }
  .chart-card{
    background: var(--paper); border-radius: var(--radius-lg); padding: 18px;
    box-shadow: var(--shadow-md); border: 1px solid var(--border-color);
    overflow:hidden;
  }
  .chart-card img{ width:100%; height:auto; display:block; border-radius: 4px; }
  .chart-disclaimer{ font-size:11px; opacity:0.6; margin-top:16px; line-height:1.5; max-width:80ch; margin-left:auto; margin-right:auto; }

  /* ---------- Fund Categories ---------- */
  .fund-cat-section{ background: var(--cream-2); text-align:center; }
  .fund-cat-section .lead{ max-width:65ch; margin:0 auto 34px; opacity:0.85; }
  .cat-tabs{ display:flex; flex-wrap:wrap; gap:10px; justify-content:center; margin-bottom:30px; }
  .cat-tab{
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-weight:700; font-size:14px; cursor:pointer;
    padding:10px 20px; border-radius:var(--radius-sm); border:2px solid var(--maroon); background:transparent;
    color: var(--maroon);
  }
  .cat-tab.active{ background: var(--maroon); color:#fff; }
  .cat-panel{
    background: var(--paper); border-radius: var(--radius-lg); padding: 32px;
    box-shadow: var(--shadow-md); text-align:left; max-width: 900px; margin: 0 auto;
  }
  .cat-panel.hidden{ display:none; }
  .cat-desc{ opacity:0.85; margin: 0 0 20px; font-size:15px; }
  .cat-chips{ display:flex; flex-wrap:wrap; gap:10px; }
  .cat-chip{
    display:inline-block; font-family:'Inter', system-ui, -apple-system, sans-serif; font-weight:600; font-size:13.5px;
    color: var(--gold); background: var(--cream-2); border: 1px solid var(--border-color);
    padding: 8px 16px; border-radius: 999px; text-decoration:none; transition: background 0.15s ease, color 0.15s ease;
  }
  .cat-chip:hover{ background: var(--gold); color:#fff; }
  .cat-cta{ display:inline-block; margin-top: 28px; text-decoration:none; }
  .fund-trust-badges{
    display:flex; flex-wrap:wrap; gap: 28px; justify-content:center; margin-top: 40px;
  }
  .fund-trust-item{
    background: var(--paper); border-radius: var(--radius-lg); padding: 18px 26px;
    box-shadow: var(--shadow-sm); min-width: 200px;
  }
  .fund-trust-item strong{ display:block; font-family:'Rozha One',serif; font-size:26px; color: var(--accent-amber); }
  .fund-trust-item span{ font-size:12.5px; opacity:0.75; }
  @media (max-width:640px){
    .cat-panel{ padding: 24px 18px; }
    .fund-trust-item{ min-width: 140px; padding: 14px 18px; }
  }

  /* ---------- Floating WhatsApp Button ---------- */
  .wa-float{
    position: fixed; bottom: 22px; right: 22px; z-index: 90;
    width: 58px; height: 58px; border-radius: 50%;
    background: #25D366; display:flex; align-items:center; justify-content:center;
    box-shadow: 0 8px 20px rgba(0,0,0,0.25); text-decoration:none;
    transition: transform 0.2s ease;
  }
  .wa-float:hover{ transform: scale(1.08); }
  .wa-float svg{ width: 30px; height: 30px; }
  @media (max-width: 480px){
    .wa-float{ width: 52px; height: 52px; bottom: 16px; right: 16px; }
    .wa-float svg{ width: 26px; height: 26px; }
  }

  .hero-cta-hint{ font-size:12.5px; opacity:0.6; margin-top:12px; }
  .hero.hero-solo .hero-cta-hint{ text-align:center; }

  /* ---------- Lead Magnet ---------- */
  .lead-magnet-section{ background: var(--maroon); }
  .lead-magnet-card{
    display:grid; grid-template-columns: 1.1fr 0.9fr; gap: 46px; align-items:center;
  }
  .lm-text .eyebrow{ color: var(--gold-light); }
  .lm-text h2{ color:#fff; font-size:26px; margin-bottom:14px; }
  .lm-text p{ color: rgba(255,255,255,0.82); font-size:15px; }
  .lm-form{
    background: var(--paper); border-radius: var(--radius-lg); padding: 28px;
    box-shadow: var(--shadow-md); display:flex; flex-direction:column; gap:14px;
  }
  .lm-form input{
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-size:15px; color: var(--ink);
    background: var(--cream); border: 1.5px solid var(--border-color);
    border-radius: var(--radius-sm); padding: 12px 14px;
  }
  .lm-form input:focus{ outline:none; border-color: var(--gold); background: var(--paper); }
  .lm-form button{ border:none; cursor:pointer; }
  .lm-hint{ font-size:11.5px; opacity:0.6; margin:0; color: var(--ink) !important; }
  .hp-field{ position:absolute; left:-9999px; }
  @media (max-width: 820px){
    .lead-magnet-card{ grid-template-columns: 1fr; text-align:center; }
  }

  /* ---------- FAQ Accordion ---------- */
  .faq-list{ max-width: 780px; margin: 0 auto; display:flex; flex-direction:column; gap:14px; }
  .faq-item{
    background: var(--paper); border-radius: var(--radius-lg); border: 1px solid var(--border-color);
    overflow:hidden;
  }
  .faq-q{
    width:100%; text-align:left; background:none; border:none; cursor:pointer;
    font-family:'Inter', system-ui, -apple-system, sans-serif; font-weight:700; font-size:15.5px; color: var(--maroon);
    padding: 18px 22px; display:flex; justify-content:space-between; align-items:center; gap:14px;
  }
  .faq-icon{ font-size:20px; font-weight:400; flex-shrink:0; transition: transform 0.2s ease; }
  .faq-item.open .faq-icon{ transform: rotate(45deg); }
  .faq-a{ max-height:0; overflow:hidden; transition: max-height 0.3s ease; }
  .faq-item.open .faq-a{ max-height: 400px; }
  .faq-a p{ padding: 0 22px 20px; margin:0; font-size:14.5px; opacity:0.85; line-height:1.6; }

  /* ---------- NRI Corner: 4-col grid, table, 4-step process ---------- */
  .grid-4-col{
    display:grid; grid-template-columns: repeat(4, 1fr); gap: 22px; margin-top: 44px;
  }
  @media (max-width: 980px){ .grid-4-col{ grid-template-columns: 1fr 1fr; } }
  @media (max-width: 640px){ .grid-4-col{ grid-template-columns: 1fr; } }

  .process-steps.four{ grid-template-columns: repeat(4,1fr); }
  @media (max-width: 980px){ .process-steps.four{ grid-template-columns: 1fr 1fr; } }
  @media (max-width: 640px){ .process-steps.four{ grid-template-columns: 1fr; } }

  .nri-solutions{ background: var(--cream-2); }
  .table-responsive{ overflow-x:auto; margin-top: 36px; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
  .nri-table{ width:100%; border-collapse:collapse; background: var(--paper); min-width: 620px; }
  .nri-table th{
    background: var(--maroon); color:#fff; text-align:left; font-size:13px;
    text-transform:uppercase; letter-spacing:0.04em; padding: 14px 20px;
  }
  .nri-table td{ padding: 16px 20px; border-bottom:1px solid var(--border-color); font-size:14px; }
  .nri-table tr:last-child td{ border-bottom:none; }
  .nri-table td strong{ color: var(--maroon); }