/* ==================================================================
   Anika Investments — design system
   Navy + gold + emerald · Fraunces display · Inter body
   ================================================================== */

:root {
  --navy-950: #050B1F;
  --navy-900: #081129;
  --navy-800: #0B1530;
  --navy-700: #13214A;
  --navy-600: #1C2E63;
  --gold-700: #8A6D2B;
  --gold-600: #B08A36;
  --gold-500: #C9A54C;
  --gold-400: #DDBF6E;
  --gold-300: #EAD49A;
  --emerald-600: #059669;
  --emerald-500: #10B981;
  --emerald-400: #34D399;
  --rose-500: #E11D48;
  --ink: #0E1630;
  --ink-2: #2A3350;
  --muted: #5B6478;
  --line: #E6E0D2;
  --line-2: #EFEAE0;
  --paper: #FBF9F4;
  --sand: #F4EFE3;
  --white: #FFFFFF;

  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;

  --r-sm: 10px;
  --r: 16px;
  --r-lg: 24px;
  --shadow-sm: 0 1px 2px rgba(11, 21, 48, .06), 0 2px 8px rgba(11, 21, 48, .05);
  --shadow: 0 10px 30px -12px rgba(11, 21, 48, .22), 0 2px 6px rgba(11, 21, 48, .06);
  --shadow-lg: 0 30px 60px -20px rgba(5, 11, 31, .45);
  --gold-grad: linear-gradient(135deg, #B8893A 0%, #E9CF86 48%, #C9A54C 100%);
  --ease: cubic-bezier(.22, .8, .24, 1);
  --container: 1200px;
  --header-h: 72px;
}

.lang-hi {
  --font-display: 'Noto Serif Devanagari', 'Fraunces', Georgia, serif;
  --font-body: 'Noto Sans Devanagari', 'Inter', system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }
body {
  margin: 0; font-family: var(--font-body); font-size: 17px; line-height: 1.65; color: var(--ink);
  background: var(--paper); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: hidden;
}
.lang-hi body, body.lang-hi { line-height: 1.8; }
img, svg, canvas { display: block; max-width: 100%; }
a { color: var(--navy-600); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--gold-700); }
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--ink); line-height: 1.15; margin: 0 0 .5em; font-weight: 600; letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.6rem); }
h2 { font-size: clamp(1.65rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.15rem, 1.6vw, 1.35rem); }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.2em; }
strong { font-weight: 600; }
.sr { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 8px; z-index: 999; background: var(--gold-500); color: var(--navy-900); padding: 8px 14px; border-radius: 8px; font-weight: 600; }
.skip:focus { left: 12px; }
:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 2px; border-radius: 4px; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 860px; }
.tnum, .stat-n, td, .calc-out { font-variant-numeric: tabular-nums; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 22px; border-radius: 999px;
  font-weight: 600; font-size: 15.5px; text-decoration: none; border: 1px solid transparent; cursor: pointer; line-height: 1.2;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s, color .25s; font-family: var(--font-body);
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: var(--gold-grad); color: var(--navy-900); box-shadow: 0 8px 22px -8px rgba(201, 165, 76, .7); }
.btn-gold:hover { color: var(--navy-900); box-shadow: 0 14px 30px -10px rgba(201, 165, 76, .85); }
.btn-ghost { background: rgba(255, 255, 255, .06); color: #fff; border-color: rgba(255, 255, 255, .28); backdrop-filter: blur(6px); }
.btn-ghost:hover { color: #fff; background: rgba(255, 255, 255, .14); }
.btn-navy { background: var(--navy-800); color: #fff; }
.btn-navy:hover { color: #fff; background: var(--navy-700); }
.btn-outline { background: transparent; color: var(--navy-800); border-color: var(--navy-800); }
.btn-outline:hover { background: var(--navy-800); color: #fff; }
.btn-sm { padding: 9px 16px; font-size: 14px; }
.btn-block { width: 100%; }
.section .btn-ghost, .section-alt .btn-ghost { color: var(--navy-800); border-color: var(--line); background: #fff; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50; height: var(--header-h);
  background: rgba(8, 17, 41, .82); backdrop-filter: saturate(160%) blur(14px); -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid rgba(201, 165, 76, .18);
}
.nav-row { display: flex; align-items: center; justify-content: space-between; height: 100%; gap: 20px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: #fff; flex-shrink: 0; }
.brand:hover { color: #fff; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-family: 'Fraunces', Georgia, serif; font-size: 23px; font-weight: 600; letter-spacing: .01em; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.brand-sub { font-size: 10.5px; letter-spacing: .32em; text-transform: uppercase; color: rgba(255, 255, 255, .72); margin-top: 4px; font-family: 'Inter', sans-serif; }
.site-nav { display: flex; align-items: center; gap: 22px; }
.menu { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; align-items: center; }
.menu > li { position: relative; }
.top-link, .dd-btn {
  display: inline-flex; align-items: center; gap: 6px; padding: 10px 12px; border-radius: 10px; color: rgba(255, 255, 255, .86);
  text-decoration: none; font-size: 15px; font-weight: 500; background: none; border: 0; cursor: pointer; font-family: var(--font-body);
}
.top-link:hover, .dd-btn:hover, .has-dd:hover > .dd-btn, .top-link[aria-current] { color: #fff; background: rgba(255, 255, 255, .07); }
.dd-btn svg { transition: transform .2s; }
.dd {
  position: absolute; top: calc(100% + 8px); left: -10px; min-width: 300px; list-style: none; margin: 0; padding: 8px;
  background: #fff; border-radius: var(--r); box-shadow: var(--shadow-lg); border: 1px solid var(--line);
  opacity: 0; visibility: hidden; transform: translateY(6px); transition: opacity .2s, transform .2s var(--ease), visibility .2s;
}
.dd::before { content: ""; position: absolute; top: -10px; left: 0; right: 0; height: 10px; }
.has-dd:hover > .dd, .has-dd:focus-within > .dd, .has-dd.open > .dd { opacity: 1; visibility: visible; transform: none; }
.has-dd:hover > .dd-btn svg, .has-dd.open > .dd-btn svg { transform: rotate(180deg); }
.dd a { display: flex; flex-direction: column; padding: 10px 12px; border-radius: 10px; text-decoration: none; }
.dd a:hover, .dd a[aria-current] { background: var(--sand); }
.dd-l { color: var(--ink); font-weight: 600; font-size: 15px; }
.dd-d { color: var(--muted); font-size: 13px; }
.nav-actions { display: flex; align-items: center; gap: 10px; }
.lang-btn {
  color: var(--gold-300); text-decoration: none; font-weight: 600; font-size: 14px; padding: 8px 12px; border-radius: 999px;
  border: 1px solid rgba(201, 165, 76, .4); font-family: 'Noto Sans Devanagari', 'Inter', sans-serif;
}
.lang-btn:hover { color: var(--navy-900); background: var(--gold-400); }
.nav-toggle { display: none; width: 44px; height: 44px; border: 0; background: none; cursor: pointer; position: relative; }
.nav-toggle span:not(.sr) { position: absolute; left: 11px; width: 22px; height: 2px; background: #fff; border-radius: 2px; transition: transform .3s, opacity .3s; }
.nav-toggle span:nth-child(1) { top: 15px; } .nav-toggle span:nth-child(2) { top: 21px; } .nav-toggle span:nth-child(3) { top: 27px; }
.nav-open .nav-toggle span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
.nav-open .nav-toggle span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

@media (max-width: 1080px) {
  .nav-toggle { display: block; }
  .site-nav {
    /* header uses backdrop-filter, so this fixed panel is positioned relative to the header */
    position: fixed; top: var(--header-h); left: 0; right: 0; height: calc(100vh - var(--header-h)); height: calc(100dvh - var(--header-h));
    background: var(--navy-900); flex-direction: column; align-items: stretch;
    padding: 16px 20px 40px; overflow-y: auto; transform: translateY(-12px); opacity: 0; visibility: hidden;
    transition: transform .3s var(--ease), opacity .3s, visibility 0s linear .3s; gap: 16px;
  }
  .nav-open .site-nav { transform: none; opacity: 1; visibility: visible; transition: transform .3s var(--ease), opacity .3s, visibility 0s; }
  .menu { flex-direction: column; align-items: stretch; gap: 2px; }
  .top-link, .dd-btn { width: 100%; justify-content: space-between; font-size: 17px; padding: 14px 12px; }
  .dd { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; display: none; background: rgba(255, 255, 255, .04); border-color: rgba(255, 255, 255, .08); margin: 4px 0 8px; min-width: 0; }
  .has-dd.open > .dd { display: block; }
  .has-dd:hover > .dd { opacity: 1; }
  .dd a:hover, .dd a[aria-current] { background: rgba(255, 255, 255, .06); }
  .dd-l { color: #fff; } .dd-d { color: rgba(255, 255, 255, .6); }
  .nav-actions { justify-content: space-between; padding-top: 12px; border-top: 1px solid rgba(255, 255, 255, .1); }
  body.nav-open { overflow: hidden; }
}

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--navy-900); color: #fff; overflow: hidden; padding: 56px 0 72px; isolation: isolate; }
.hero-home { padding: 72px 0 96px; }
.hero-bg { position: absolute; inset: 0; z-index: -1; pointer-events: none; }
.orb { position: absolute; border-radius: 50%; filter: blur(70px); opacity: .55; }
.orb1 { width: 520px; height: 520px; background: radial-gradient(circle, rgba(201, 165, 76, .55), transparent 65%); top: -180px; right: -120px; }
.orb2 { width: 460px; height: 460px; background: radial-gradient(circle, rgba(16, 185, 129, .32), transparent 65%); bottom: -220px; left: -140px; }
.gridlines {
  position: absolute; inset: 0; opacity: .5;
  background-image: linear-gradient(rgba(255, 255, 255, .045) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .045) 1px, transparent 1px);
  background-size: 56px 56px; mask-image: radial-gradient(ellipse at 70% 30%, #000 20%, transparent 70%); -webkit-mask-image: radial-gradient(ellipse at 70% 30%, #000 20%, transparent 70%);
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; }
.hero h1 { color: #fff; margin-bottom: .4em; }
.hero h1 em, .hl { font-style: normal; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero .lead { font-size: clamp(1.05rem, 1.5vw, 1.2rem); color: rgba(255, 255, 255, .8); max-width: 600px; margin-bottom: 28px; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold-300); margin-bottom: 16px; padding: 6px 12px; border: 1px solid rgba(201, 165, 76, .35); border-radius: 999px; background: rgba(201, 165, 76, .08);
}
.lang-hi .eyebrow { letter-spacing: .02em; text-transform: none; font-size: 14px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-points { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; color: rgba(255, 255, 255, .78); font-size: 14.5px; }
.hero-points li { display: flex; align-items: center; gap: 7px; }
.hero-points svg { color: var(--emerald-400); flex-shrink: 0; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0 0 18px; font-size: 13.5px; color: rgba(255, 255, 255, .55); }
.crumbs li + li::before { content: "›"; margin-right: 6px; opacity: .6; }
.crumbs a { color: rgba(255, 255, 255, .7); text-decoration: none; }
.crumbs a:hover { color: var(--gold-300); }
.scene-frame {
  position: relative; border-radius: var(--r-lg); padding: 10px;
  background: linear-gradient(160deg, rgba(255, 255, 255, .1), rgba(255, 255, 255, .02));
  border: 1px solid rgba(255, 255, 255, .12); box-shadow: var(--shadow-lg), inset 0 1px 0 rgba(255, 255, 255, .1);
}
.scene-frame::before { content: ""; position: absolute; inset: -1px; border-radius: inherit; padding: 1px; background: linear-gradient(160deg, rgba(201, 165, 76, .7), transparent 40%, transparent 60%, rgba(16, 185, 129, .5)); -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0); -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none; }
canvas.scene { width: 100%; aspect-ratio: 4 / 3; border-radius: 16px; background: radial-gradient(120% 90% at 50% 0%, #142454 0%, #0A1433 60%, #070F27 100%); }
.scene-caption { margin: 10px 6px 2px; font-size: 13.5px; color: rgba(255, 255, 255, .62); text-align: center; }
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero { padding: 36px 0 52px; }
  .hero-home { padding: 44px 0 60px; }
}

/* ---------- Sections ---------- */
.section { padding: 84px 0; position: relative; }
.section-tight { padding: 56px 0; }
.section-alt { background: var(--sand); }
.section-white { background: var(--white); }
.section-dark { background: var(--navy-900); color: rgba(255, 255, 255, .82); }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark a { color: var(--gold-300); }
.sec-head { max-width: 760px; margin: 0 auto 44px; text-align: center; }
.sec-head.left { margin-left: 0; text-align: left; }
.sec-head p { color: var(--muted); font-size: 1.08rem; }
.section-dark .sec-head p { color: rgba(255, 255, 255, .7); }
.kicker { display: inline-block; font-size: 12.5px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-700); margin-bottom: 10px; }
.lang-hi .kicker { letter-spacing: .02em; font-size: 14px; }
.section-dark .kicker { color: var(--gold-400); }
@media (max-width: 700px) { .section { padding: 60px 0; } .sec-head { margin-bottom: 32px; } }

.grid { display: grid; gap: 22px; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); }
.g4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .g3, .g4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .g2, .g3, .g4 { grid-template-columns: 1fr; } }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split.wide-left { grid-template-columns: 1.3fr 1fr; }
@media (max-width: 900px) { .split, .split.wide-left { grid-template-columns: 1fr; gap: 32px; } }

/* ---------- Prose ---------- */
.prose { color: var(--ink-2); }
.prose h2 { margin-top: 1.6em; }
.prose h3 { margin-top: 1.4em; }
.prose > :first-child { margin-top: 0; }
.prose ul, .prose ol { margin: 0 0 1.2em; }
.prose li { margin-bottom: .45em; }
.prose li::marker { color: var(--gold-600); }
.lead-dark { font-size: 1.12rem; color: var(--ink-2); }

/* ---------- Cards ---------- */
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 26px; box-shadow: var(--shadow-sm);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.card h3 { margin-bottom: .4em; }
.card p { color: var(--muted); margin-bottom: 0; }
.card p + p { margin-top: .7em; }
a.card { display: block; text-decoration: none; color: inherit; }
a.card:hover, .card.lift:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(201, 165, 76, .6); }
.card .more { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; font-weight: 600; color: var(--navy-600); font-size: 15px; }
a.card:hover .more { color: var(--gold-700); }
.section-dark .card { background: rgba(255, 255, 255, .04); border-color: rgba(255, 255, 255, .1); }
.section-dark .card p { color: rgba(255, 255, 255, .7); }
.ic {
  width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 16px;
  background: linear-gradient(140deg, var(--navy-800), var(--navy-600)); color: var(--gold-400); font-weight: 700; font-family: 'Fraunces', serif; font-size: 20px;
  box-shadow: inset 0 0 0 1px rgba(201, 165, 76, .35);
}
.ic svg { width: 24px; height: 24px; }
.ic.em { background: linear-gradient(140deg, #064E3B, #059669); color: #D1FAE5; }
.ic.gold { background: var(--gold-grad); color: var(--navy-900); }

/* Bento grid (home) */
.bento { display: grid; grid-template-columns: repeat(6, 1fr); gap: 20px; grid-auto-rows: minmax(200px, auto); }
.bento > * { grid-column: span 2; }
.bento .b-wide { grid-column: span 3; }
.bento .b-xl { grid-column: span 4; }
.bento .b-tall { grid-row: span 2; }
.bento .card { display: flex; flex-direction: column; }
.bento .card .more { margin-top: auto; padding-top: 14px; }
.card.feature { background: linear-gradient(150deg, var(--navy-800), var(--navy-700)); color: #fff; border-color: rgba(201, 165, 76, .3); }
.card.feature h3 { color: #fff; } .card.feature p { color: rgba(255, 255, 255, .72); } .card.feature .more { color: var(--gold-300); }
@media (max-width: 980px) { .bento { grid-template-columns: repeat(2, 1fr); } .bento > *, .bento .b-wide, .bento .b-xl { grid-column: span 1; } .bento .b-xl { grid-column: span 2; } .bento .b-tall { grid-row: span 1; } }
@media (max-width: 640px) { .bento { grid-template-columns: 1fr; } .bento .b-xl { grid-column: span 1; } }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.stat { padding: 22px; border-radius: var(--r); background: var(--white); border: 1px solid var(--line); text-align: left; }
.stat-n { display: block; font-family: 'Fraunces', serif; font-size: clamp(1.7rem, 3vw, 2.3rem); font-weight: 600; color: var(--navy-800); line-height: 1.1; }
.stat-l { display: block; color: var(--muted); font-size: 14px; margin-top: 6px; }
.section-dark .stat, .trust .stat { background: rgba(255, 255, 255, .04); border-color: rgba(255, 255, 255, .1); }
.section-dark .stat-n, .trust .stat-n { background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.section-dark .stat-l, .trust .stat-l { color: rgba(255, 255, 255, .65); }
@media (max-width: 860px) { .stats { grid-template-columns: repeat(2, 1fr); } }

/* Trust strip under hero */
.trust { background: var(--navy-950); border-top: 1px solid rgba(201, 165, 76, .18); padding: 22px 0; color: rgba(255, 255, 255, .78); }
.trust-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 14px 28px; align-items: center; font-size: 14.5px; }
.trust-row span { display: inline-flex; align-items: center; gap: 8px; }
.trust-row b { color: var(--gold-300); font-weight: 600; }

/* Steps */
.steps { list-style: none; padding: 0; margin: 0; counter-reset: s; display: grid; gap: 18px; }
.steps > li { counter-increment: s; position: relative; padding: 20px 22px 20px 78px; background: var(--white); border: 1px solid var(--line); border-radius: var(--r); }
.steps > li::before {
  content: counter(s); position: absolute; left: 20px; top: 20px; width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center;
  background: var(--gold-grad); color: var(--navy-900); font-weight: 700; font-family: 'Fraunces', serif; font-size: 18px;
}
.steps h3 { margin: 0 0 .25em; font-size: 1.12rem; }
.steps p { margin: 0; color: var(--muted); }
.steps.g2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 700px) { .steps.g2 { grid-template-columns: 1fr; } }

/* Tick / cross lists */
.ticks, .crosses { list-style: none; padding: 0; margin: 0 0 1em; }
.ticks li, .crosses li { position: relative; padding-left: 30px; margin-bottom: 10px; }
.ticks li::before, .crosses li::before { position: absolute; left: 0; top: 3px; width: 20px; height: 20px; border-radius: 50%; display: grid; place-items: center; font-size: 12px; font-weight: 700; }
.ticks li::before { content: "✓"; background: rgba(16, 185, 129, .14); color: var(--emerald-600); }
.crosses li::before { content: "✕"; background: rgba(225, 29, 72, .1); color: var(--rose-500); }

/* Chips & badges */
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { display: inline-flex; align-items: center; padding: 6px 12px; border-radius: 999px; background: var(--white); border: 1px solid var(--line); font-size: 13.5px; color: var(--ink-2); font-weight: 500; }
.badge { display: inline-block; padding: 3px 9px; border-radius: 6px; font-size: 12px; font-weight: 700; letter-spacing: .04em; background: rgba(201, 165, 76, .16); color: var(--gold-700); }
.badge.em { background: rgba(16, 185, 129, .14); color: var(--emerald-600); }
.badge.navy { background: var(--navy-800); color: var(--gold-300); }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--r); border: 1px solid var(--line); background: var(--white); box-shadow: var(--shadow-sm); margin: 0 0 24px; }
.table-wrap table { width: 100%; border-collapse: collapse; font-size: 15px; }
.table-wrap caption { text-align: left; padding: 16px 18px 4px; font-weight: 600; color: var(--ink); font-family: var(--font-display); font-size: 1.1rem; }
.table-wrap th, .table-wrap td { padding: 13px 18px; text-align: left; border-bottom: 1px solid var(--line-2); vertical-align: top; }
.table-wrap thead th { background: var(--navy-800); color: var(--gold-300); font-weight: 600; font-size: 13px; letter-spacing: .04em; text-transform: uppercase; white-space: nowrap; }
.lang-hi .table-wrap thead th { text-transform: none; font-size: 14px; letter-spacing: 0; }
.table-wrap tbody th { font-weight: 600; color: var(--ink); }
.table-wrap tbody tr:nth-child(even) { background: #FCFBF7; }
.table-wrap tbody tr:hover { background: #F8F3E6; }
.table-wrap tbody tr:last-child th, .table-wrap tbody tr:last-child td { border-bottom: 0; }
.table-note { margin: 0; padding: 10px 18px 14px; font-size: 13px; color: var(--muted); border-top: 1px solid var(--line-2); }
@media (max-width: 700px) {
  .table-wrap.stack table, .table-wrap.stack tbody, .table-wrap.stack tr, .table-wrap.stack th, .table-wrap.stack td { display: block; width: 100%; }
  .table-wrap.stack thead { display: none; }
  .table-wrap.stack tr { padding: 12px 16px; border-bottom: 1px solid var(--line); }
  .table-wrap.stack tbody th { padding: 0 0 6px; border: 0; font-size: 16px; }
  .table-wrap.stack td { padding: 4px 0; border: 0; display: flex; justify-content: space-between; gap: 16px; text-align: right; }
  .table-wrap.stack td::before { content: attr(data-label); color: var(--muted); font-size: 13px; text-align: left; flex-shrink: 0; max-width: 45%; }
}

/* ---------- Notes & disclaimers ---------- */
.note { border-radius: var(--r); padding: 18px 20px; margin: 0 0 24px; border: 1px solid; font-size: 15.5px; }
.note > div > :last-child { margin-bottom: 0; }
.note-title { display: block; font-family: var(--font-display); font-size: 1.05rem; margin-bottom: 6px; }
.note-info { background: #EEF3FF; border-color: #CBD8F7; color: #1C2E63; }
.note-warn { background: #FFF7E8; border-color: #F2D7A2; color: #6B4A0E; }
.note-gold { background: linear-gradient(135deg, #FFF9EA, #FBF1D6); border-color: #EAD49A; color: #5E4A17; }
.note-legal { background: #F6F6F8; border-color: #E2E3E8; color: #3A4256; font-size: 14px; }
.disclaimer { display: flex; gap: 12px; align-items: flex-start; padding: 14px 18px; border-radius: 12px; background: #F6F4EE; border: 1px dashed #D9CFB6; color: #5A5440; font-size: 13.5px; line-height: 1.6; margin: 24px 0 0; }
.disclaimer svg { flex-shrink: 0; color: var(--gold-600); margin-top: 2px; }
.disclaimer p { margin: 0; }
.section-dark .disclaimer { background: rgba(255, 255, 255, .04); border-color: rgba(255, 255, 255, .15); color: rgba(255, 255, 255, .7); }

/* ---------- FAQ ---------- */
.faq-section { background: var(--white); }
.faq-section h2 { text-align: center; margin-bottom: 32px; }
.faqs { display: grid; gap: 12px; }
.faq { border: 1px solid var(--line); border-radius: var(--r); background: var(--paper); overflow: hidden; transition: border-color .2s, box-shadow .2s; }
.faq[open] { border-color: rgba(201, 165, 76, .6); box-shadow: var(--shadow-sm); background: #fff; }
.faq summary { list-style: none; cursor: pointer; padding: 18px 22px; font-weight: 600; display: flex; justify-content: space-between; gap: 16px; align-items: center; font-size: 16.5px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary i { width: 28px; height: 28px; border-radius: 50%; background: var(--sand); position: relative; flex-shrink: 0; transition: transform .3s var(--ease), background .3s; }
.faq summary i::before, .faq summary i::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; background: var(--navy-800); transform: translate(-50%, -50%); }
.faq summary i::after { transform: translate(-50%, -50%) rotate(90deg); transition: transform .3s var(--ease); }
.faq[open] summary i { background: var(--gold-400); }
.faq[open] summary i::after { transform: translate(-50%, -50%) rotate(0); }
.faq-a { padding: 0 22px 18px; color: var(--ink-2); }
.faq-a p { margin: 0; }

/* ---------- CTA band ---------- */
.cta-band { padding: 0 0 84px; background: var(--white); }
.faq-section + .cta-band { padding-top: 0; }
main > .cta-band:first-child, .section + .cta-band, .section-alt + .cta-band { padding-top: 84px; }
.section-alt + .cta-band { background: var(--sand); }
.cta-inner {
  display: flex; justify-content: space-between; align-items: center; gap: 28px; flex-wrap: wrap; padding: 44px 48px; border-radius: var(--r-lg);
  background: radial-gradient(120% 140% at 100% 0%, rgba(201, 165, 76, .35), transparent 50%), linear-gradient(135deg, var(--navy-800), var(--navy-900));
  color: #fff; box-shadow: var(--shadow-lg); position: relative; overflow: hidden;
}
.cta-inner h2 { color: #fff; margin-bottom: .3em; font-size: clamp(1.4rem, 2.6vw, 2rem); }
.cta-inner p { color: rgba(255, 255, 255, .75); margin: 0; max-width: 620px; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }
@media (max-width: 700px) { .cta-inner { padding: 32px 24px; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-950); color: rgba(255, 255, 255, .7); padding: 64px 0 24px; font-size: 15px; }
.foot-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 36px; }
.site-footer h3 { color: #fff; font-family: var(--font-body); font-size: 14px; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 16px; font-weight: 700; }
.lang-hi .site-footer h3 { letter-spacing: 0; text-transform: none; font-size: 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 9px; }
.site-footer a { color: rgba(255, 255, 255, .75); text-decoration: none; }
.site-footer a:hover { color: var(--gold-300); }
.site-footer address { font-style: normal; line-height: 1.75; margin-bottom: 14px; }
.site-footer address strong { color: #fff; }
.foot-brand p { margin-top: 16px; }
.arn-line { font-size: 13.5px; padding: 10px 14px; border: 1px solid rgba(201, 165, 76, .3); border-radius: 10px; background: rgba(201, 165, 76, .06); color: rgba(255, 255, 255, .86); }
.arn-line strong { color: var(--gold-300); }
.foot-links { margin-top: 6px !important; }
.compliance { margin-top: 44px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .1); font-size: 13px; line-height: 1.7; color: rgba(255, 255, 255, .6); }
.compliance p { margin-bottom: 8px; }
.compliance .risk { font-size: 14px; font-weight: 600; color: var(--gold-300); }
.foot-bottom { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; margin-top: 20px; padding-top: 18px; border-top: 1px solid rgba(255, 255, 255, .08); font-size: 13px; }
.foot-bottom p { margin: 0; }
.anim-toggle { background: none; border: 1px solid rgba(255, 255, 255, .2); color: rgba(255, 255, 255, .75); border-radius: 999px; padding: 6px 14px; font-size: 13px; cursor: pointer; font-family: var(--font-body); }
.anim-toggle:hover { border-color: var(--gold-400); color: var(--gold-300); }
@media (max-width: 900px) { .foot-grid { grid-template-columns: 1fr 1fr; } .foot-brand { grid-column: span 2; } }
@media (max-width: 560px) { .foot-grid { grid-template-columns: 1fr; } .foot-brand { grid-column: span 1; } }

/* ---------- Falling notes + WhatsApp ---------- */
#money-rain { position: fixed; inset: 0; width: 100vw; height: 100vh; pointer-events: none; z-index: 40; }
.wa-float {
  position: fixed; right: 20px; bottom: 20px; z-index: 60; width: 58px; height: 58px; border-radius: 50%; display: grid; place-items: center;
  background: #25D366; color: #fff; box-shadow: 0 10px 25px -6px rgba(37, 211, 102, .6); transition: transform .25s var(--ease);
}
.wa-float:hover { transform: scale(1.08); color: #fff; }
.wa-float::after { content: ""; position: absolute; inset: 0; border-radius: 50%; border: 2px solid #25D366; animation: ping 2.4s infinite; }
@keyframes ping { 0% { transform: scale(1); opacity: .8; } 80%, 100% { transform: scale(1.6); opacity: 0; } }

/* ---------- Forms ---------- */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 32px; box-shadow: var(--shadow); }
.enquiry-form { display: grid; gap: 16px; }
.f-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 600px) { .f-row { grid-template-columns: 1fr; } .form-card { padding: 22px; } }
.f { display: grid; gap: 6px; font-size: 14.5px; font-weight: 600; color: var(--ink-2); }
.f b { color: var(--rose-500); }
.f input, .f select, .f textarea {
  width: 100%; font: inherit; font-weight: 400; font-size: 16px; padding: 12px 14px; border-radius: 12px; border: 1.5px solid var(--line);
  background: var(--paper); color: var(--ink); transition: border-color .2s, box-shadow .2s, background .2s;
}
.f input:focus, .f select:focus, .f textarea:focus { outline: none; border-color: var(--gold-500); background: #fff; box-shadow: 0 0 0 4px rgba(201, 165, 76, .18); }
.f [aria-invalid="true"] { border-color: var(--rose-500); }
.f-err { color: var(--rose-500); font-size: 13.5px; font-weight: 500; margin: 0; }
.f-captcha { display: grid; grid-template-columns: auto auto 1fr; gap: 12px; align-items: end; }
.captcha-img { border-radius: 10px; border: 1px solid var(--line); height: 56px; width: 170px; }
.captcha-refresh { width: 44px; height: 44px; border-radius: 12px; border: 1.5px solid var(--line); background: #fff; color: var(--navy-700); cursor: pointer; display: grid; place-items: center; margin-bottom: 6px; }
.captcha-refresh:hover { border-color: var(--gold-500); }
@media (max-width: 520px) { .f-captcha { grid-template-columns: auto auto; } .f-captcha .f { grid-column: span 2; } }
.f-check { display: flex; gap: 12px; align-items: flex-start; font-size: 14px; color: var(--ink-2); line-height: 1.55; cursor: pointer; }
.f-check input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--navy-800); flex-shrink: 0; }
.f-privacy { font-size: 13px; color: var(--muted); margin: 0; padding: 12px 14px; background: var(--sand); border-radius: 10px; }
.hp { position: absolute; left: -5000px; width: 1px; height: 1px; overflow: hidden; }
.form-alert { background: #FFF1F2; border: 1px solid #FECDD3; color: #9F1239; padding: 12px 16px; border-radius: 12px; margin-bottom: 16px; font-size: 15px; }
.form-success { text-align: center; padding: 28px 10px; }
.form-success svg { margin: 0 auto 14px; }

/* Contact info cards */
.info-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.info-list li { display: flex; gap: 14px; align-items: flex-start; padding: 16px; background: var(--white); border: 1px solid var(--line); border-radius: var(--r); }
.info-list .ic { margin: 0; width: 44px; height: 44px; flex-shrink: 0; }
.info-list strong { display: block; color: var(--ink); }
.info-list span, .info-list a { color: var(--muted); }
.map-frame { border-radius: var(--r-lg); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow); aspect-ratio: 16 / 10; background: var(--sand); }
.map-frame iframe { width: 100%; height: 100%; border: 0; display: block; }

/* ---------- Calculators ---------- */
.calc { display: grid; grid-template-columns: 1fr 1.1fr; gap: 0; background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow); overflow: hidden; }
.calc-in { padding: 30px; display: grid; gap: 22px; align-content: start; }
.calc-out { padding: 30px; background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #fff; display: flex; flex-direction: column; gap: 18px; }
.calc h3 { margin: 0; }
.calc-field { display: grid; gap: 8px; }
.calc-field .cf-top { display: flex; justify-content: space-between; align-items: center; gap: 12px; font-weight: 600; font-size: 15px; color: var(--ink-2); }
.calc-field .cf-val { display: flex; align-items: center; background: var(--sand); border: 1.5px solid var(--line); border-radius: 10px; padding: 0 10px; min-width: 130px; }
.calc-field .cf-val:focus-within { border-color: var(--gold-500); }
.calc-field .cf-val span { color: var(--muted); font-size: 14px; }
.calc-field input[type="number"] { border: 0; background: transparent; font: inherit; font-weight: 700; color: var(--navy-800); width: 100%; padding: 8px 4px; text-align: right; -moz-appearance: textfield; }
.calc-field input[type="number"]::-webkit-outer-spin-button, .calc-field input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.calc-field input[type="number"]:focus { outline: none; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 6px; background: linear-gradient(90deg, var(--gold-500) var(--p, 50%), var(--line) var(--p, 50%)); outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%; background: #fff; border: 3px solid var(--gold-500); box-shadow: 0 2px 8px rgba(11, 21, 48, .25); cursor: grab; }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: #fff; border: 3px solid var(--gold-500); cursor: grab; }
.cf-range { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted); }
.calc-result { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.calc-result div { background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .1); border-radius: 12px; padding: 12px 14px; }
.calc-result span { display: block; font-size: 12.5px; color: rgba(255, 255, 255, .62); }
.calc-result strong { display: block; font-family: 'Fraunces', serif; font-size: clamp(1rem, 1.6vw, 1.22rem); color: #fff; margin-top: 2px; white-space: nowrap; }
.calc-result .big strong { background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.calc-chart { width: 100%; aspect-ratio: 16 / 10; }
.calc-legend { display: flex; gap: 18px; font-size: 13px; color: rgba(255, 255, 255, .72); flex-wrap: wrap; }
.calc-legend i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; }
.calc-note { font-size: 12.5px; color: rgba(255, 255, 255, .55); margin: 0; }
.calc-table { margin-top: 24px; }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } .calc-result { grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 480px) { .calc-result { grid-template-columns: 1fr; } .calc-in, .calc-out { padding: 22px; } }
.tabs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 24px; justify-content: center; }
.tab { padding: 10px 18px; border-radius: 999px; border: 1.5px solid var(--line); background: #fff; font-weight: 600; cursor: pointer; font-family: var(--font-body); font-size: 15px; color: var(--ink-2); }
.tab[aria-selected="true"] { background: var(--navy-800); color: var(--gold-300); border-color: var(--navy-800); }
.tabpanel[hidden] { display: none; }

/* ---------- Illustration helpers ---------- */
.illus { border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid var(--line); background: var(--navy-900); }
.illus svg, .illus img { width: 100%; height: auto; }
.figure-cap { font-size: 13px; color: var(--muted); margin-top: 10px; text-align: center; }
.inline-scene { width: 100%; aspect-ratio: 16 / 10; border-radius: var(--r-lg); background: radial-gradient(120% 90% at 50% 0%, #142454 0%, #0A1433 60%, #070F27 100%); box-shadow: var(--shadow-lg); }
.quote { font-family: var(--font-display); font-size: clamp(1.3rem, 2.4vw, 1.8rem); line-height: 1.35; color: var(--navy-800); border-left: 4px solid var(--gold-500); padding: 6px 0 6px 22px; margin: 0 0 1em; }
.section-dark .quote { color: #fff; }

/* Partner (AMC) list */
.amc-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.amc { display: flex; flex-direction: column; gap: 6px; padding: 22px; border-radius: var(--r); border: 1px solid var(--line); background: #fff; }
.amc strong { font-family: var(--font-display); font-size: 1.15rem; color: var(--ink); }
.amc span { color: var(--muted); font-size: 14px; }
.amc code { font-size: 13.5px; background: var(--sand); padding: 2px 8px; border-radius: 6px; color: var(--navy-700); align-self: flex-start; }
@media (max-width: 900px) { .amc-list { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .amc-list { grid-template-columns: 1fr; } }

/* ---------- Reveal on scroll ---------- */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js .reveal.in { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: .08s !important; } .reveal-d2 { transition-delay: .16s !important; } .reveal-d3 { transition-delay: .24s !important; }

/* 404 */
.nf { text-align: center; padding: 100px 0; }
.nf .big { font-family: 'Fraunces', serif; font-size: clamp(5rem, 14vw, 9rem); line-height: 1; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .js .reveal { opacity: 1; transform: none; }
}

@media print {
  .site-header, .wa-float, #money-rain, .cta-band, .anim-toggle { display: none !important; }
  .hero { background: none; color: #000; } .hero h1 { color: #000; }
}