/* ==========================================================================
   BLUERAY WEALTH - PREMIUM FINTECH DESIGN SYSTEM & STYLESHEET
   Brand: BlueRay Wealth | Advisor: Suresh Saini (AMFI ARN: 347947)
   Positioning: Professional Guidance. Simple Explanations. Goal-Focused.
   Platform Partner: NJ Wealth | Geographic Focus: Jaipur, Rajasthan & Pan-India
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Design Tokens & CSS Variables (Light Theme Default)
   -------------------------------------------------------------------------- */
:root {
  /* Core Financial Trust Palette - Aligned with BlueRay Wealth Logo */
  --color-primary: #07172F;          /* Deep Midnight Navy (Logo background) */
  --color-primary-light: #0D2346;
  --color-primary-dark: #040D1B;

  --color-royal-blue: #1D4ED8;       /* Royal Blue (Logo BLUERAY & Shield) */
  --color-royal-blue-hover: #1E40AF;
  --color-royal-blue-light: #EFF6FF;

  --color-accent: #10B981;           /* Wealth Emerald (Logo WEALTH & Growth Line) */
  --color-accent-hover: #059669;
  --color-accent-light: #ECFDF5;
  --color-accent-dark: #064E3B;

  --color-gold: #D4AF37;             /* Metallic Gold (Logo Arrow & Subtitle) */
  --color-gold-hover: #B89327;
  --color-gold-light: #FEF9C3;

  --color-blue: #2563EB;             /* Sapphire Accent */
  --color-blue-hover: #1D4ED8;
  --color-blue-light: #EFF6FF;

  --color-danger: #DC2626;
  --color-danger-light: #FEE2E2;

  /* Surfaces & Backgrounds (Light Theme) */
  --bg-app: #F8FAFC;
  --bg-surface: #FFFFFF;
  --bg-surface-elevated: #FFFFFF;
  --bg-surface-muted: #F1F5F9;
  --bg-card-subtle: #F8FAFC;

  /* Text & Hierarchy */
  --text-primary: #07172F;
  --text-secondary: #334155;
  --text-muted: #64748B;
  --text-inverse: #FFFFFF;

  /* Borders & Dividers */
  --border-color: #E2E8F0;
  --border-subtle: #EDF2F7;
  --border-focus: #1D4ED8;

  /* Shadows */
  --shadow-xs: 0 1px 2px 0 rgba(7, 23, 47, 0.05);
  --shadow-sm: 0 1px 3px 0 rgba(7, 23, 47, 0.08), 0 1px 2px -1px rgba(7, 23, 47, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(7, 23, 47, 0.07), 0 2px 4px -2px rgba(7, 23, 47, 0.05);
  --shadow-lg: 0 10px 15px -3px rgba(7, 23, 47, 0.08), 0 4px 6px -4px rgba(7, 23, 47, 0.04);
  --shadow-xl: 0 20px 25px -5px rgba(7, 23, 47, 0.09), 0 8px 10px -6px rgba(7, 23, 47, 0.04);
  --shadow-glow: 0 0 24px rgba(29, 78, 216, 0.2);

  /* Spacing (8dp System) */
  --space-1: 4px;
  --space-2: 8px;
  --space-3: 12px;
  --space-4: 16px;
  --space-5: 20px;
  --space-6: 24px;
  --space-8: 32px;
  --space-10: 40px;
  --space-12: 48px;
  --space-16: 64px;
  --space-20: 80px;

  /* Radii */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Typography */
  --font-heading: 'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --font-body: 'Inter', 'Noto Sans Devanagari', system-ui, -apple-system, sans-serif;

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-smooth: 350ms cubic-bezier(0.16, 1, 0.3, 1);

  /* Slider Styling */
  --slider-track: #E2E8F0;
  --slider-fill: #1D4ED8;
}

/* --------------------------------------------------------------------------
   2. Dark Mode Overrides (Deep Midnight Navy Theme)
   -------------------------------------------------------------------------- */
[data-theme="dark"] {
  --color-primary: #07172F;
  --color-primary-light: #0D2346;
  --color-primary-dark: #030814;

  --color-royal-blue: #3B82F6;
  --color-royal-blue-hover: #60A5FA;
  --color-royal-blue-light: rgba(59, 130, 246, 0.18);

  --color-accent: #10B981;
  --color-accent-hover: #34D399;
  --color-accent-light: rgba(16, 185, 129, 0.15);
  --color-accent-dark: #065F46;

  --color-gold: #F59E0B;
  --color-gold-hover: #FBBF24;
  --color-gold-light: rgba(245, 158, 11, 0.18);

  --color-blue: #38BDF8;
  --color-blue-hover: #7DD3FC;
  --color-blue-light: rgba(56, 189, 248, 0.15);

  --bg-app: #07172F;                 /* Authentic dark navy matching logo */
  --bg-surface: #0B1E3D;             /* Rich navy card surface */
  --bg-surface-elevated: #10274E;    /* Elevated surface */
  --bg-surface-muted: #132E59;       /* Muted surface */
  --bg-card-subtle: #091A36;

  --text-primary: #F8FAFC;
  --text-secondary: #CBD5E1;
  --text-muted: #94A3B8;
  --text-inverse: #07172F;

  --border-color: #1A365D;
  --border-subtle: #122846;
  --border-focus: #3B82F6;

  --shadow-sm: 0 1px 3px 0 rgba(0, 0, 0, 0.4);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.5);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.55);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.6);
  --shadow-glow: 0 0 24px rgba(29, 78, 216, 0.3);

  --slider-track: #1A365D;
  --slider-fill: #3B82F6;
}

/* --------------------------------------------------------------------------
   3. Global Resets & Base Typography
   -------------------------------------------------------------------------- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  background-color: var(--bg-app);
  color: var(--text-primary);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  transition: background-color var(--transition-normal), color var(--transition-normal);
  overflow-x: hidden;
}

/* Skip link for accessibility */
.skip-link {
  position: absolute;
  top: -60px;
  left: 16px;
  background: var(--color-accent);
  color: #FFFFFF;
  padding: 10px 18px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  z-index: 10000;
  transition: top var(--transition-fast);
  text-decoration: none;
}
.skip-link:focus {
  top: 16px;
  outline: 3px solid #FFFFFF;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.25;
  letter-spacing: -0.02em;
}

p {
  color: var(--text-secondary);
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

button, input, select, textarea {
  font-family: inherit;
  font-size: 1rem;
}

button {
  cursor: pointer;
  border: none;
  background: none;
}

img, svg {
  vertical-align: middle;
}

/* Layout Utilities */
.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--space-6);
  padding-right: var(--space-6);
}

.section {
  padding-top: var(--space-16);
  padding-bottom: var(--space-16);
  position: relative;
}

.bg-subtle {
  background-color: var(--bg-surface-muted);
}

.text-center { text-align: center; }
.text-accent { color: var(--color-accent) !important; }
.text-gold { color: var(--color-gold) !important; }
.text-blue { color: var(--color-blue) !important; }
.text-white { color: #FFFFFF !important; }
.text-warning { color: #F59E0B !important; }

.mt-4 { margin-top: var(--space-4); }
.mt-6 { margin-top: var(--space-6); }
.max-w-700 { max-width: 720px; margin-left: auto; margin-right: auto; }

/* Section Headers */
.section-header {
  margin-bottom: var(--space-12);
}

.section-kicker {
  display: inline-block;
  font-size: 0.825rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent);
  margin-bottom: var(--space-2);
}

.kicker-white {
  color: #A7F3D0 !important;
}

.section-title {
  font-size: clamp(1.85rem, 3.2vw, 2.65rem);
  font-weight: 800;
  margin-bottom: var(--space-4);
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* Text Gradient */
.text-gradient {
  background: linear-gradient(135deg, var(--color-accent) 0%, #0284C7 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* --------------------------------------------------------------------------
   4. Buttons & Badges
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 12px 24px;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.95rem;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, #1D4ED8 0%, #0F3BA0 100%);
  color: #FFFFFF;
  box-shadow: 0 3px 10px rgba(29, 78, 216, 0.35);
  border: none;
}
.btn-primary:hover {
  background: linear-gradient(135deg, #2563EB 0%, #1D4ED8 100%);
  box-shadow: 0 6px 18px rgba(29, 78, 216, 0.45);
  transform: translateY(-1px);
}
.btn-primary:active {
  transform: translateY(0);
}

.btn-emerald {
  background-color: var(--color-accent);
  color: #FFFFFF;
  box-shadow: 0 3px 10px rgba(16, 185, 129, 0.3);
}
.btn-emerald:hover {
  background-color: var(--color-accent-hover);
  box-shadow: 0 6px 16px rgba(16, 185, 129, 0.4);
  transform: translateY(-1px);
}

.btn-secondary {
  background-color: var(--bg-surface-elevated);
  color: var(--text-primary);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
}
.btn-secondary:hover {
  background-color: var(--bg-surface-muted);
  border-color: var(--text-muted);
  transform: translateY(-1px);
}

.btn-gold {
  background: linear-gradient(135deg, #D4AF37 0%, #B89327 100%);
  color: #07172F;
  font-weight: 800;
  box-shadow: 0 4px 14px rgba(212, 175, 55, 0.35);
  border: none;
}
.btn-gold:hover {
  background: linear-gradient(135deg, #F3BA2F 0%, #D4AF37 100%);
  box-shadow: 0 6px 20px rgba(212, 175, 55, 0.45);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--color-royal-blue);
  border: 1.5px solid var(--color-royal-blue);
}
.btn-outline:hover {
  background: var(--color-royal-blue-light);
  color: var(--color-royal-blue-hover);
  border-color: var(--color-royal-blue-hover);
}

.btn-outline-white {
  background: transparent;
  color: #FFFFFF;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
}
.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: #FFFFFF;
}

.btn-text {
  color: var(--color-accent);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  font-size: 0.925rem;
  padding: 4px 0;
  transition: color var(--transition-fast);
}
.btn-text:hover {
  color: var(--color-accent-hover);
  text-decoration: underline;
}

.btn-lg {
  padding: 14px 28px;
  font-size: 1.05rem;
  border-radius: var(--radius-lg);
}

.btn-full {
  width: 100%;
}

.pill-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  background-color: var(--color-accent-light);
  color: var(--color-accent-dark);
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: var(--space-5);
}
[data-theme="dark"] .pill-badge {
  color: #6EE7B7;
}

/* --------------------------------------------------------------------------
   5. Announcement Bar & Sticky Navbar
   -------------------------------------------------------------------------- */
.announcement-bar {
  background-color: var(--color-primary);
  color: #CBD5E1;
  font-size: 0.8rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 8px 0;
}
.announcement-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-2);
}
.badge-arn {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  color: #E2E8F0;
}
.badge-arn strong {
  color: #FFFFFF;
}
.bar-trust-items {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}
.trust-badge-pill {
  font-size: 0.775rem;
  color: #94A3B8;
}
.highlight-pill {
  background-color: rgba(16, 185, 129, 0.2);
  color: #6EE7B7;
  padding: 2px 10px;
  border-radius: var(--radius-full);
  font-weight: 600;
}

/* Sticky Navbar */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: var(--bg-surface);
  border-bottom: 1px solid var(--border-color);
  box-shadow: var(--shadow-xs);
  transition: background-color var(--transition-normal), border-color var(--transition-normal);
}
.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  width: 100%;
  max-width: 1440px;
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--space-4);
  padding-right: var(--space-4);
}

/* Brand Logo */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}
.brand-logo-img {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  object-fit: cover;
  box-shadow: 0 4px 12px rgba(15, 43, 92, 0.28);
  border: 1.5px solid rgba(212, 175, 55, 0.4);
  flex-shrink: 0;
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}
.brand-logo:hover .brand-logo-img {
  transform: scale(1.05);
  box-shadow: 0 6px 16px rgba(16, 185, 129, 0.35);
}
.footer-logo .brand-logo-img {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  border: 2px solid rgba(212, 175, 55, 0.5);
  box-shadow: 0 6px 16px rgba(0, 0, 0, 0.4);
}
.logo-mark {
  position: relative;
  width: 38px;
  height: 38px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--color-accent) 0%, #0284C7 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 10px rgba(5, 150, 105, 0.3);
}
.logo-letter {
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.4rem;
  line-height: 1;
}
.logo-dot {
  position: absolute;
  top: 6px;
  right: 6px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: var(--color-gold);
}
.brand-text-wrap {
  display: flex;
  flex-direction: column;
}
.brand-title {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--text-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
  white-space: nowrap;
}
[data-theme="light"] .brand-title {
  color: #1D4ED8;
}
[data-theme="dark"] .brand-title {
  color: #60A5FA;
}
.brand-highlight {
  color: #10B981;
}
.footer-logo .brand-title {
  color: #FFFFFF;
}
.footer-logo .brand-highlight {
  color: #10B981;
}
.brand-subtitle {
  font-size: 0.64rem;
  font-weight: 700;
  color: #D4AF37;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  white-space: nowrap;
}
.footer-logo .brand-subtitle {
  color: #FBBF24;
}

/* Nav Links */
.nav-links {
  display: flex;
  list-style: none;
  gap: clamp(2px, 0.55vw, 8px);
  align-items: center;
  flex-wrap: nowrap;
}
.nav-link {
  font-size: 0.865rem;
  font-weight: 600;
  color: var(--text-secondary);
  padding: 6px 9px;
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
  white-space: nowrap;
  display: inline-block;
  text-decoration: none;
}
.nav-link:hover, .nav-link.active {
  color: var(--color-accent);
  background-color: var(--color-accent-light);
}
[data-theme="dark"] .nav-link:hover, [data-theme="dark"] .nav-link.active {
  background-color: rgba(16, 185, 129, 0.12);
}

/* Nav Actions */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}
.nav-cta-btn {
  white-space: nowrap;
  padding: 0 14px;
  height: 38px;
  font-size: 0.86rem;
}

.btn-control-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  height: 40px;
  padding: 0 12px;
  border-radius: var(--radius-md);
  background-color: var(--bg-surface-muted);
  color: var(--text-primary);
  border: 1px solid var(--border-color);
  font-weight: 600;
  font-size: 0.875rem;
  transition: all var(--transition-fast);
}
.btn-control-toggle:hover {
  background-color: var(--border-color);
}
.btn-control-toggle:focus-visible {
  outline: 2px solid var(--color-accent);
}


.mobile-toggle {
  display: none;
  padding: 8px;
  color: var(--text-primary);
  border-radius: var(--radius-sm);
}
.mobile-toggle:focus-visible {
  outline: 2px solid var(--color-accent);
}

/* Mobile Drawer */
.nav-mobile-drawer {
  display: none;
  position: fixed;
  top: 0;
  right: -320px;
  width: 300px;
  height: 100vh;
  background-color: var(--bg-surface);
  box-shadow: -4px 0 20px rgba(0, 0, 0, 0.2);
  z-index: 10001;
  flex-direction: column;
  padding: var(--space-6);
  transition: right var(--transition-smooth);
}
.nav-mobile-drawer.open {
  right: 0;
  display: flex;
}
.drawer-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-bottom: var(--space-4);
  border-bottom: 1px solid var(--border-color);
}
.drawer-close {
  font-size: 1.8rem;
  line-height: 1;
  color: var(--text-muted);
}
.drawer-body {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  padding-top: var(--space-4);
  overflow-y: auto;
}
.drawer-link {
  font-size: 1.05rem;
  font-weight: 600;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  color: var(--text-primary);
}
.drawer-link:hover, .drawer-link.active {
  background-color: var(--bg-surface-muted);
  color: var(--color-accent);
}
.drawer-divider {
  height: 1px;
  background-color: var(--border-color);
  margin: var(--space-4) 0;
}
.drawer-actions {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.drawer-btn {
  width: 100%;
}

/* --------------------------------------------------------------------------
   6. Hero Section
   -------------------------------------------------------------------------- */
.hero-section {
  padding-top: var(--space-12);
  padding-bottom: var(--space-16);
  background: radial-gradient(circle at 85% 15%, var(--color-accent-light) 0%, transparent 40%),
              radial-gradient(circle at 10% 80%, var(--color-blue-light) 0%, transparent 35%);
  overflow: hidden;
}
[data-theme="dark"] .hero-section {
  background: radial-gradient(circle at 85% 15%, rgba(16, 185, 129, 0.08) 0%, transparent 45%),
              radial-gradient(circle at 10% 80%, rgba(56, 189, 248, 0.06) 0%, transparent 40%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: var(--space-12);
  align-items: center;
}

.hero-title {
  font-size: clamp(2.35rem, 4.4vw, 3.75rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: var(--space-4);
}

.hero-subline {
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--color-accent);
  margin-bottom: var(--space-3);
  line-height: 1.4;
}
[data-theme="dark"] .hero-subline {
  color: #34D399;
}

.hero-desc {
  font-size: 1.1rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: var(--space-8);
  max-width: 580px;
}

.hero-cta-group {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
  margin-bottom: var(--space-10);
}

/* Hero Trust Panel */
.hero-trust-panel {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-4);
  padding: var(--space-5);
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.trust-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
}

.trust-icon-box {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background-color: var(--color-accent-light);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
[data-theme="dark"] .trust-icon-box {
  background-color: rgba(16, 185, 129, 0.15);
  color: #6EE7B7;
}

.trust-item strong {
  display: block;
  font-size: 0.95rem;
  color: var(--text-primary);
  margin-bottom: 2px;
}

.trust-item p {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.35;
}

/* Right Hero Visual: Advisor Card */
.advisor-intro-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  box-shadow: var(--shadow-xl);
  position: relative;
  transition: transform var(--transition-normal);
}
.advisor-intro-card:hover {
  transform: translateY(-3px);
}

.advisor-card-top {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  margin-bottom: var(--space-5);
  padding-bottom: var(--space-5);
  border-bottom: 1px solid var(--border-color);
}

.advisor-avatar-placeholder {
  position: relative;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, #0A192F 0%, #1E293B 100%);
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  font-weight: 800;
  box-shadow: 0 4px 12px rgba(10, 25, 47, 0.3);
  border: 3px solid var(--color-accent);
}

.advisor-status-dot {
  position: absolute;
  bottom: 2px;
  right: 2px;
  width: 12px;
  height: 12px;
  background-color: #10B981;
  border-radius: 50%;
  border: 2px solid var(--bg-surface);
}

.advisor-name {
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--text-primary);
}

.advisor-title {
  font-size: 0.9rem;
  color: var(--color-accent);
  font-weight: 600;
  margin-bottom: 4px;
}

.advisor-arn-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background-color: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  padding: 3px 10px;
  border-radius: var(--radius-full);
  font-size: 0.785rem;
  color: var(--text-secondary);
}
.advisor-arn-badge strong {
  color: var(--text-primary);
}

.advisor-card-body {
  margin-bottom: var(--space-5);
}

.advisor-bio-tagline p {
  font-size: 0.95rem;
  font-style: italic;
  color: var(--text-secondary);
  line-height: 1.5;
  margin-bottom: var(--space-4);
  padding-left: var(--space-3);
  border-left: 3px solid var(--color-accent);
}

.advisor-details-meta {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 0.85rem;
}

.meta-row {
  display: flex;
  justify-content: space-between;
  padding: 4px 0;
  border-bottom: 1px dashed var(--border-subtle);
}

.meta-label {
  color: var(--text-muted);
}
.meta-val {
  font-weight: 600;
  color: var(--text-primary);
}

/* Compounding Power Visualizer Box */
.hero-visual-chart-box {
  background-color: var(--bg-surface-muted);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  margin-bottom: var(--space-5);
}

.chart-header-mini {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--space-3);
}

.chart-label-mini {
  font-size: 0.825rem;
  font-weight: 700;
  color: var(--text-primary);
}

.chart-badge-mini {
  font-size: 0.7rem;
  padding: 2px 8px;
  background-color: var(--color-blue-light);
  color: var(--color-blue);
  border-radius: var(--radius-full);
  font-weight: 700;
}

.growth-stepper-visual {
  display: flex;
  align-items: flex-end;
  height: 70px;
  gap: 8px;
  padding: 6px 0;
}

.growth-bar {
  flex: 1;
  background: var(--border-color);
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  position: relative;
  display: flex;
  justify-content: center;
  transition: all var(--transition-normal);
}
.growth-bar span {
  position: absolute;
  bottom: -20px;
  font-size: 0.675rem;
  color: var(--text-muted);
  white-space: nowrap;
}

.growth-bar.bar-1 { height: 25%; }
.growth-bar.bar-2 { height: 42%; }
.growth-bar.bar-3 { height: 62%; }
.growth-bar.bar-4 { height: 80%; }
.growth-bar.bar-5 { height: 100%; background: linear-gradient(180deg, var(--color-accent) 0%, #0284C7 100%); }

.chart-footnote-mini {
  margin-top: 22px;
  font-size: 0.775rem;
  color: var(--text-muted);
  line-height: 1.4;
}

/* --------------------------------------------------------------------------
   7. Trust Section (4 Visual Cards)
   -------------------------------------------------------------------------- */
.trust-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.trust-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
  display: flex;
  flex-direction: column;
}
.trust-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-accent);
}

.trust-card-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}

.learn-icon { background: #E0F2FE; color: #0284C7; }
.plan-icon { background: #D1FAE5; color: #059669; }
.review-icon { background: #FEF3C7; color: #D97706; }
.support-icon { background: #EDE9FE; color: #7C3AED; }

[data-theme="dark"] .learn-icon { background: rgba(2, 132, 199, 0.2); color: #38BDF8; }
[data-theme="dark"] .plan-icon { background: rgba(5, 150, 105, 0.2); color: #34D399; }
[data-theme="dark"] .review-icon { background: rgba(217, 119, 6, 0.2); color: #FBBF24; }
[data-theme="dark"] .support-icon { background: rgba(124, 58, 237, 0.2); color: #A78BFA; }

.trust-card-title {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: var(--space-2);
}

.trust-card-desc {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* --------------------------------------------------------------------------
   8. What is a Mutual Fund? (Diagram & 4 Steps)
   -------------------------------------------------------------------------- */
.mf-flow-diagram-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
  margin-bottom: var(--space-12);
  gap: var(--space-2);
}

.flow-step-node {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.flow-node-icon {
  width: 68px;
  height: 68px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-3);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast);
}
.flow-step-node:hover .flow-node-icon {
  transform: scale(1.08);
}

.node-investors { background: #EFF6FF; color: #2563EB; }
.node-fund { background: #ECFDF5; color: #059669; }
.node-portfolio { background: #FFFBEB; color: #D97706; }
.node-assets { background: #F5F3FF; color: #7C3AED; }

[data-theme="dark"] .node-investors { background: rgba(37, 99, 235, 0.2); color: #60A5FA; }
[data-theme="dark"] .node-fund { background: rgba(5, 150, 105, 0.2); color: #34D399; }
[data-theme="dark"] .node-portfolio { background: rgba(217, 119, 6, 0.2); color: #FBBF24; }
[data-theme="dark"] .node-assets { background: rgba(124, 58, 237, 0.2); color: #A78BFA; }

.flow-node-title {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: var(--space-1);
}

.flow-node-desc {
  font-size: 0.825rem;
  color: var(--text-muted);
  line-height: 1.4;
  max-width: 180px;
}

.flow-connector {
  display: flex;
  align-items: center;
  color: var(--color-accent);
  padding: 0 var(--space-2);
}
.connector-line {
  width: 30px;
  height: 2px;
  background-color: var(--border-color);
}

/* 4 Step Cards */
.how-it-works-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.step-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  position: relative;
  box-shadow: var(--shadow-sm);
}

.step-badge {
  display: inline-block;
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--color-accent);
  background-color: var(--color-accent-light);
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  margin-bottom: var(--space-3);
}
[data-theme="dark"] .step-badge {
  background-color: rgba(16, 185, 129, 0.18);
  color: #6EE7B7;
}

.step-title {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: var(--space-2);
}

.step-desc {
  font-size: 0.925rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* --------------------------------------------------------------------------
   9. Mutual Fund Categories
   -------------------------------------------------------------------------- */
.alert-notice-pill {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  padding: 8px 18px;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: var(--space-4);
}

.categories-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
}

.category-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
}
.category-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-xl);
  border-color: var(--color-accent);
}

.cat-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--space-4);
}

.cat-pill {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 4px 10px;
  border-radius: var(--radius-full);
}
.equity-pill { background: #FEF3C7; color: #B45309; }
.debt-pill { background: #EFF6FF; color: #1D4ED8; }
.hybrid-pill { background: #F3E8FF; color: #7E22CE; }

.risk-meter-tag {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: var(--radius-full);
}
.risk-high { background: #FEE2E2; color: #B91C1C; }
.risk-low { background: #D1FAE5; color: #047857; }
.risk-med { background: #FEF3C7; color: #B45309; }

.cat-title {
  font-size: 1.55rem;
  font-weight: 800;
  margin-bottom: var(--space-2);
}

.cat-desc {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.55;
  margin-bottom: var(--space-6);
  flex-grow: 0;
}

.cat-specs {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-8);
  flex-grow: 1;
  background-color: var(--bg-surface-muted);
  border-radius: var(--radius-md);
  padding: var(--space-4);
}

.spec-item {
  font-size: 0.85rem;
  line-height: 1.45;
}
.spec-label {
  display: block;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 2px;
}
.spec-val {
  color: var(--text-secondary);
}

.cat-card-action {
  margin-top: auto;
}

/* --------------------------------------------------------------------------
   10. Solutions For Different Goals (13 Grid)
   -------------------------------------------------------------------------- */
.solutions-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--space-6);
}

.solution-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-fast);
}
.solution-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-accent);
}

.sol-icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: var(--color-accent-light);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}
[data-theme="dark"] .sol-icon-wrap {
  background-color: rgba(16, 185, 129, 0.15);
  color: #6EE7B7;
}

.sol-title {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: var(--space-2);
}

.sol-desc {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.5;
  margin-bottom: var(--space-3);
  flex-grow: 1;
}

.sol-example {
  font-size: 0.8rem;
  color: var(--text-muted);
  background-color: var(--bg-surface-muted);
  padding: 8px 10px;
  border-radius: var(--radius-sm);
  margin-bottom: var(--space-4);
}

/* --------------------------------------------------------------------------
   11. SIP Education Section
   -------------------------------------------------------------------------- */
.sip-education-section {
  background-color: var(--bg-surface);
}

.sip-edu-banner {
  background: linear-gradient(135deg, #0A192F 0%, #1E293B 100%);
  border-radius: var(--radius-xl);
  padding: var(--space-10) var(--space-12);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-6);
  margin-bottom: var(--space-10);
  box-shadow: var(--shadow-xl);
}

.sip-edu-text {
  max-width: 700px;
}

.sip-lead-text {
  font-size: 1.15rem;
  color: #CBD5E1;
  line-height: 1.6;
  margin-top: var(--space-2);
}

.sip-details-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.sip-info-card {
  background-color: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
}

.sip-card-head {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: var(--space-4);
  padding-bottom: var(--space-2);
  border-bottom: 2px solid var(--border-color);
}

.sip-feature-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  font-size: 0.925rem;
  color: var(--text-secondary);
}
.sip-feature-list strong {
  color: var(--text-primary);
}

.alert-border {
  border-color: #FCD34D;
  background-color: rgba(254, 243, 199, 0.2);
}
[data-theme="dark"] .alert-border {
  border-color: #78350F;
  background-color: rgba(245, 158, 11, 0.05);
}

/* SIP vs Lump Sum Comparison Table */
.comparison-table-wrapper {
  overflow-x: auto;
}
.sip-comp-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}
.sip-comp-table th, .sip-comp-table td {
  padding: 10px 8px;
  text-align: left;
  border-bottom: 1px solid var(--border-color);
}
.sip-comp-table th {
  font-weight: 700;
  color: var(--text-primary);
  background-color: var(--bg-surface);
}

/* --------------------------------------------------------------------------
   12. Interactive Tools & Calculators Suite (Life Goals, Financial, Quick Tools)
   -------------------------------------------------------------------------- */
.calc-mandatory-disclaimer {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  padding: 8px 18px;
  border-radius: var(--radius-full);
  font-size: 0.825rem;
  color: var(--text-muted);
  margin-top: var(--space-4);
  max-width: 820px;
}

/* Tier 1: Main Category Navigation */
.calc-cat-nav {
  display: flex;
  justify-content: center;
  gap: var(--space-4);
  margin: var(--space-8) 0 var(--space-6) 0;
  flex-wrap: wrap;
}

.calc-cat-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 14px 28px;
  border-radius: var(--radius-lg);
  background-color: var(--bg-surface);
  border: 2px solid var(--border-color);
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
  min-width: 220px;
  text-align: center;
  box-shadow: var(--shadow-xs);
}

.calc-cat-btn:hover {
  border-color: #0284C7;
  color: #0284C7;
  transform: translateY(-2px);
}

.calc-cat-btn.active {
  background-color: #0284C7;
  border-color: #0284C7;
  color: #FFFFFF;
  box-shadow: 0 8px 24px rgba(2, 132, 199, 0.28);
}

.calc-cat-title {
  font-size: 1.05rem;
  font-weight: 800;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.calc-cat-sub {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.75px;
  text-transform: uppercase;
  opacity: 0.85;
  margin-top: 3px;
}

/* Tier 2: Life Goals Sub-Navigation */
.calc-goal-subnav {
  display: flex;
  justify-content: center;
  gap: var(--space-3);
  margin-bottom: var(--space-8);
  flex-wrap: wrap;
}

.goal-subnav-btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 12px 22px;
  border-radius: var(--radius-lg);
  background-color: var(--bg-surface);
  border: 1.5px solid var(--border-color);
  color: var(--text-secondary);
  font-size: 0.95rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition-fast);
  box-shadow: var(--shadow-xs);
}

.goal-subnav-btn:hover {
  background-color: var(--bg-surface-muted);
  border-color: #0284C7;
  color: #0284C7;
}

.goal-subnav-btn.active {
  background-color: #0284C7;
  border-color: #0284C7;
  color: #FFFFFF;
  box-shadow: 0 6px 16px rgba(2, 132, 199, 0.25);
}

.goal-subnav-btn svg {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
}

/* Goal Calculator Layout (Inputs Left, Card Right) */
.life-goal-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: var(--space-8);
  align-items: flex-start;
}

/* Stepper Input Fields */
.stepper-field {
  margin-bottom: var(--space-5);
}

.stepper-field label {
  display: block;
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.stepper-box {
  display: flex;
  align-items: center;
  background-color: var(--bg-surface);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 4px 8px;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.stepper-box:focus-within {
  border-color: #0284C7;
  box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.15);
}

.stepper-currency-symbol {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-muted);
  padding-left: 6px;
}

.stepper-input {
  flex: 1;
  border: none;
  background: transparent;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text-primary);
  padding: 8px 10px;
  outline: none;
  min-width: 60px;
}

.stepper-input::-webkit-inner-spin-button,
.stepper-input::-webkit-outer-spin-button {
  -webkit-appearance: none;
  margin: 0;
}

.stepper-actions {
  display: flex;
  align-items: center;
  gap: 6px;
}

.stepper-btn {
  width: 34px;
  height: 34px;
  border-radius: var(--radius-sm);
  background-color: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  color: #0284C7;
  font-size: 1.25rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all var(--transition-fast);
  user-select: none;
  line-height: 1;
}

.stepper-btn:hover {
  background-color: #0284C7;
  border-color: #0284C7;
  color: #FFFFFF;
}

/* Custom Select & Expandable Inputs */
.calc-select-field {
  margin-bottom: var(--space-5);
}

.calc-select-field label {
  display: block;
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.calc-custom-select, .calc-custom-input {
  width: 100%;
  padding: 10px 14px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--border-color);
  background-color: var(--bg-surface);
  color: var(--text-primary);
  font-size: 1rem;
  font-weight: 600;
  outline: none;
  transition: border-color var(--transition-fast);
}

.calc-custom-select:focus, .calc-custom-input:focus {
  border-color: #0284C7;
  box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.15);
}

/* Assumptions Accordion */
.calc-assumptions-accordion {
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-md);
  background-color: var(--bg-surface);
  overflow: hidden;
  margin-top: var(--space-6);
}

.calc-assumptions-accordion summary {
  padding: 12px 16px;
  font-weight: 700;
  font-size: 0.925rem;
  color: var(--text-primary);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  list-style: none;
  user-select: none;
  background-color: var(--bg-surface-muted);
}

.calc-assumptions-accordion summary::-webkit-details-marker {
  display: none;
}

.calc-assumptions-accordion summary svg {
  transition: transform var(--transition-fast);
}

.calc-assumptions-accordion[open] summary svg {
  transform: rotate(180deg);
}

.assumptions-content {
  padding: 14px 16px;
  background-color: var(--bg-surface);
  font-size: 0.85rem;
  border-top: 1px solid var(--border-color);
}

.assumption-row {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  color: var(--text-secondary);
  border-bottom: 1px dashed var(--border-subtle);
}

.assumption-row:last-child {
  border-bottom: none;
}

/* Right Side: Institutional Life Goal Output Card */
.life-goal-output-card {
  background-color: var(--bg-surface);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: 0 10px 25px -5px rgba(15, 23, 42, 0.08);
}

.goal-card-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: var(--space-6);
}

.goal-card-icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: rgba(2, 132, 199, 0.1);
  color: #0284C7;
  display: flex;
  align-items: center;
  justify-content: center;
}

.goal-card-title-wrap {
  display: flex;
  flex-direction: column;
}

.goal-title-light {
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-muted);
}

.goal-title-bold {
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: 0.5px;
  color: #0284C7;
  text-transform: uppercase;
}

.goal-hero-kpi {
  text-align: center;
  padding: var(--space-4) 0 var(--space-6) 0;
}

.goal-kpi-sublabel {
  display: block;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 8px;
}

.goal-kpi-amount {
  font-size: clamp(2rem, 3.2vw, 2.6rem);
  font-weight: 800;
  font-family: var(--font-heading);
  color: #0284C7;
  line-height: 1.1;
  letter-spacing: -0.5px;
}

[data-theme="dark"] .goal-kpi-amount {
  color: #38BDF8;
}

.ret-divider-dotted {
  border-top: 1.5px dotted var(--border-color);
  margin: var(--space-4) 0 var(--space-6) 0;
}

.req-invest-section {
  margin-bottom: var(--space-6);
}

.req-invest-heading {
  display: block;
  text-align: center;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-muted);
  margin-bottom: var(--space-4);
}

.req-invest-3col {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
  text-align: center;
}

.req-invest-box {
  background-color: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 12px 8px;
}

.inv-box-period {
  display: block;
  font-size: 0.775rem;
  font-weight: 700;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.inv-box-val {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--text-primary);
  font-family: var(--font-heading);
}

.goal-breakdown-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: var(--space-6);
  padding: var(--space-4) 0;
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.goal-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.9rem;
  color: var(--text-secondary);
}

.goal-breakdown-row strong {
  color: var(--text-primary);
  font-weight: 700;
}

.shortfall-badge {
  background-color: #DC2626;
  color: #FFFFFF;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 0.925rem;
}

.surplus-badge {
  background-color: #059669;
  color: #FFFFFF;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  font-weight: 800;
  font-size: 0.925rem;
}

.goal-cta-wrap {
  margin-top: var(--space-4);
}

/* Quick Tools Card Styles */
.quick-tools-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-8);
}

.quick-tool-card {
  background-color: var(--bg-surface);
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-sm);
}

.quick-tool-title {
  font-size: 1.25rem;
  font-weight: 800;
  margin-bottom: var(--space-2);
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-primary);
}

.quick-tool-desc {
  font-size: 0.875rem;
  color: var(--text-muted);
  margin-bottom: var(--space-6);
  line-height: 1.5;
}

.delay-comparison-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
  margin: var(--space-6) 0;
  text-align: center;
}

.delay-box {
  background-color: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 12px 6px;
}

.delay-box-title {
  font-size: 0.775rem;
  font-weight: 700;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.delay-box-loss {
  font-size: 1rem;
  font-weight: 800;
  color: #DC2626;
}

.inflation-table {
  width: 100%;
  border-collapse: collapse;
  margin: var(--space-4) 0;
  font-size: 0.875rem;
}

.inflation-table th, .inflation-table td {
  padding: 8px 12px;
  text-align: left;
  border-bottom: 1px solid var(--border-color);
}

.inflation-table th {
  font-weight: 700;
  color: var(--text-muted);
  background-color: var(--bg-surface-muted);
}

/* Original Financial Sub-tabs */
.calc-tabs-wrapper {
  display: flex;
  justify-content: center;
  gap: var(--space-3);
  margin-bottom: var(--space-8);
  flex-wrap: wrap;
}

.calc-tab-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-full);
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  color: var(--text-secondary);
  font-weight: 700;
  font-size: 0.95rem;
  box-shadow: var(--shadow-xs);
  transition: all var(--transition-fast);
}
.calc-tab-btn:hover {
  background-color: var(--bg-surface-muted);
  color: var(--text-primary);
}
.calc-tab-btn.active {
  background-color: #0284C7;
  color: #FFFFFF;
  border-color: #0284C7;
  box-shadow: 0 4px 12px rgba(2, 132, 199, 0.25);
}

@media (max-width: 991px) {
  .life-goal-grid, .quick-tools-grid {
    grid-template-columns: 1fr;
  }
  .calc-cat-btn {
    min-width: 160px;
    padding: 12px 16px;
  }
}

/* Calculator Grid */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: var(--space-8);
  align-items: flex-start;
}

.calc-controls-card, .calc-results-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-md);
}

.calc-card-title {
  font-size: 1.35rem;
  font-weight: 700;
  margin-bottom: var(--space-6);
  padding-bottom: var(--space-3);
  border-bottom: 1px solid var(--border-color);
}

.calc-input-group {
  margin-bottom: var(--space-6);
}

.input-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--space-2);
}
.input-header label {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-primary);
}

.input-number-wrap {
  display: flex;
  align-items: center;
  background-color: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 4px 10px;
}
.currency-prefix, .currency-suffix {
  font-weight: 700;
  color: var(--color-accent);
  font-size: 0.95rem;
}
.num-input {
  width: 110px;
  border: none;
  background: transparent;
  font-weight: 700;
  font-size: 1.05rem;
  text-align: right;
  color: var(--text-primary);
  outline: none;
}
.num-input::-webkit-inner-spin-button, 
.num-input::-webkit-outer-spin-button {
  -webkit-appearance: none;
  margin: 0;
}

/* Range Sliders */
.range-slider {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--slider-track);
  border-radius: var(--radius-full);
  outline: none;
  margin: 12px 0 6px 0;
}
.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-accent);
  border: 3px solid #FFFFFF;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
  cursor: pointer;
  transition: transform var(--transition-fast);
}
.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--text-muted);
}

.calc-card-foot-notice {
  font-size: 0.8rem;
  color: var(--text-muted);
  font-style: italic;
  margin-top: var(--space-4);
}

/* Results KPI Grid */
.results-kpi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-4);
  margin-bottom: var(--space-6);
}
.grid-2 {
  grid-template-columns: repeat(2, 1fr);
}

.kpi-box {
  background-color: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  text-align: center;
}

.kpi-highlight {
  background: linear-gradient(135deg, rgba(5, 150, 105, 0.08) 0%, rgba(2, 132, 199, 0.08) 100%);
  border-color: var(--color-accent);
}

.kpi-label {
  display: block;
  font-size: 0.775rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.kpi-value {
  font-size: clamp(1.15rem, 1.8vw, 1.5rem);
  font-weight: 800;
  font-family: var(--font-heading);
  color: var(--text-primary);
}

.kpi-subtext {
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* Chart Containers */
.calc-chart-container {
  display: flex;
  justify-content: center;
  align-items: center;
  margin: var(--space-4) 0;
  min-height: 220px;
}
.chart-bar-wrap {
  width: 100%;
}

.calc-insight-box {
  background-color: var(--bg-surface-muted);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--text-secondary);
  margin-bottom: var(--space-6);
  border-left: 3px solid var(--color-accent);
}

.callout-box {
  border-radius: var(--radius-md);
  padding: var(--space-4);
  font-size: 0.85rem;
  line-height: 1.5;
  margin-top: var(--space-4);
}
.info-callout {
  background: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  color: var(--text-secondary);
}

/* --------------------------------------------------------------------------
   13. Why NJ Wealth Section
   -------------------------------------------------------------------------- */
.nj-features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.nj-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal);
}
.nj-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-blue);
}

.nj-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  background: #E0F2FE;
  color: #0284C7;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}
[data-theme="dark"] .nj-icon {
  background: rgba(2, 132, 199, 0.2);
  color: #38BDF8;
}

.nj-card-title {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: var(--space-2);
}

.nj-card-desc {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* --------------------------------------------------------------------------
   14. About BlueRay Wealth & Suresh Saini
   -------------------------------------------------------------------------- */
.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: var(--space-12);
  align-items: flex-start;
}

.about-profile-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  box-shadow: var(--shadow-lg);
}

.profile-header {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  margin-bottom: var(--space-6);
}

.profile-avatar {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  background: linear-gradient(135deg, #0A192F 0%, #059669 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  border: 3px solid var(--border-color);
  box-shadow: var(--shadow-md);
}
.avatar-large-text {
  font-size: 1.6rem;
  font-weight: 800;
  font-family: var(--font-heading);
}

.profile-name {
  font-size: 1.55rem;
  font-weight: 800;
}
.profile-role {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-accent);
}
.arn-badge-pill {
  display: inline-block;
  font-size: 0.775rem;
  font-weight: 700;
  background: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  padding: 2px 10px;
  border-radius: var(--radius-full);
  margin: 4px 0;
}
.profile-location {
  font-size: 0.8rem;
  color: var(--text-muted);
}

.profile-quote-box {
  background-color: var(--bg-surface-muted);
  border-left: 3px solid var(--color-gold);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  margin-bottom: var(--space-6);
  font-style: italic;
  font-size: 0.925rem;
  line-height: 1.5;
  color: var(--text-secondary);
}

.profile-credentials-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.cred-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.875rem;
  color: var(--text-secondary);
}
.cred-item svg {
  color: var(--color-accent);
  flex-shrink: 0;
}

.about-lead {
  font-size: 1.15rem;
  font-weight: 500;
  color: var(--text-primary);
  margin-bottom: var(--space-4);
  line-height: 1.6;
}

.text-body {
  font-size: 1rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: var(--space-4);
}

.why-work-heading {
  font-size: 1.35rem;
  font-weight: 700;
  margin-top: var(--space-8);
  margin-bottom: var(--space-4);
}

.why-work-grid {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}

.why-item {
  display: flex;
  gap: var(--space-3);
  align-items: flex-start;
}

.why-bullet {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background-color: var(--color-accent-light);
  color: var(--color-accent);
  font-weight: 800;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
[data-theme="dark"] .why-bullet {
  background-color: rgba(16, 185, 129, 0.15);
  color: #6EE7B7;
}

.why-item strong {
  display: block;
  font-size: 1rem;
  color: var(--text-primary);
  margin-bottom: 2px;
}
.why-item p {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.45;
}

.about-action-group {
  display: flex;
  gap: var(--space-4);
  flex-wrap: wrap;
}

/* --------------------------------------------------------------------------
   15. Portfolio Review Form (15 Fields)
   -------------------------------------------------------------------------- */
.review-disclaimer-sub {
  font-size: 0.85rem;
  color: var(--text-muted);
  font-style: italic;
  margin-top: var(--space-2);
}

.form-container-card {
  max-width: 960px;
  margin-left: auto;
  margin-right: auto;
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-10);
  box-shadow: var(--shadow-xl);
}

.form-section-title {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
  padding-bottom: var(--space-2);
  border-bottom: 1px solid var(--border-color);
}
.step-num {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--color-accent);
  color: #FFFFFF;
  font-weight: 700;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.form-section-title h4 {
  font-size: 1.15rem;
  font-weight: 700;
}

.form-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-5);
}

.form-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-5);
}

.form-field {
  display: flex;
  flex-direction: column;
}

.field-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.required {
  color: var(--color-danger);
}

.form-control {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--border-color);
  background-color: var(--bg-surface);
  border-radius: var(--radius-md);
  color: var(--text-primary);
  font-size: 0.925rem;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  outline: none;
}
.form-control:focus {
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(5, 150, 105, 0.15);
}
.form-control.is-invalid {
  border-color: var(--color-danger);
}

.input-with-icon {
  display: flex;
  align-items: center;
  position: relative;
}
.field-prefix {
  position: absolute;
  left: 12px;
  font-weight: 600;
  color: var(--text-muted);
  font-size: 0.9rem;
}
.input-with-icon .form-control {
  padding-left: 45px;
}

.field-error {
  font-size: 0.775rem;
  color: var(--color-danger);
  margin-top: 4px;
  min-height: 16px;
}

.form-consent-box {
  margin: var(--space-6) 0;
  padding: var(--space-4);
  background-color: var(--bg-surface-muted);
  border-radius: var(--radius-md);
}
.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  font-size: 0.85rem;
  color: var(--text-secondary);
  line-height: 1.45;
  cursor: pointer;
}
.checkbox-label input {
  margin-top: 3px;
  accent-color: var(--color-accent);
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.form-actions-row {
  display: flex;
  justify-content: flex-end;
}

/* Success Card */
.form-success-card {
  text-align: center;
  padding: var(--space-8);
}
.success-icon-wrap {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--color-accent-light);
  color: var(--color-accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}
.success-title {
  font-size: 1.55rem;
  font-weight: 800;
  margin-bottom: var(--space-2);
}
.success-desc {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 600px;
  margin: 0 auto var(--space-6) auto;
}
.success-actions {
  display: flex;
  justify-content: center;
  gap: var(--space-4);
  flex-wrap: wrap;
}

.btn-whatsapp {
  background-color: #25D366;
  color: #FFFFFF;
  font-weight: 700;
  box-shadow: 0 4px 12px rgba(37, 211, 102, 0.3);
}
.btn-whatsapp:hover {
  background-color: #1EBE5D;
  transform: translateY(-1px);
}

/* --------------------------------------------------------------------------
   16. Learning Center (14 Topics)
   -------------------------------------------------------------------------- */
.learn-filters {
  display: flex;
  justify-content: center;
  gap: var(--space-2);
  margin-top: var(--space-6);
  flex-wrap: wrap;
}
.filter-btn {
  padding: 8px 18px;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  color: var(--text-secondary);
  transition: all var(--transition-fast);
}
.filter-btn:hover {
  background-color: var(--bg-surface-muted);
}
.filter-btn.active {
  background-color: var(--color-primary);
  color: #FFFFFF;
  border-color: var(--color-primary);
}
[data-theme="dark"] .filter-btn.active {
  background-color: var(--color-accent);
  border-color: var(--color-accent);
}

.learning-articles-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(270px, 1fr));
  gap: var(--space-6);
  margin-top: var(--space-8);
}

.learn-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
  cursor: pointer;
}
.learn-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-accent);
}

.learn-card-meta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--space-3);
}
.tag-pill {
  font-size: 0.725rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: var(--radius-full);
}
.tag-basics { background: #E0F2FE; color: #0369A1; }
.tag-strategies { background: #D1FAE5; color: #065F46; }
.tag-terms { background: #FEF3C7; color: #92400E; }

.read-time {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.learn-title {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: var(--space-2);
  line-height: 1.35;
}

.learn-summary {
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.5;
  margin-bottom: var(--space-3);
  flex-grow: 1;
}

.learn-hindi-preview {
  font-size: 0.8rem;
  color: var(--color-accent);
  background-color: var(--bg-surface-muted);
  padding: 6px 10px;
  border-radius: var(--radius-sm);
  margin-bottom: var(--space-4);
  font-family: 'Noto Sans Devanagari', var(--font-body);
}

.learn-read-more {
  color: var(--color-accent);
  font-weight: 700;
  font-size: 0.875rem;
  text-align: left;
}

/* --------------------------------------------------------------------------
   17. FAQ Accordion
   -------------------------------------------------------------------------- */
.faq-accordion-container {
  max-width: 860px;
  margin-left: auto;
  margin-right: auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.faq-item {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}
.faq-item.active {
  border-color: var(--color-accent);
  box-shadow: var(--shadow-sm);
}

.faq-trigger {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 24px;
  text-align: left;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--text-primary);
  background: transparent;
  gap: var(--space-4);
}
.faq-trigger:focus-visible {
  outline: 2px solid var(--color-accent);
}

.faq-chevron {
  color: var(--text-muted);
  transition: transform var(--transition-fast);
  flex-shrink: 0;
}
.faq-item.active .faq-chevron {
  transform: rotate(180deg);
  color: var(--color-accent);
}

.faq-body {
  display: none;
  padding: 0 24px 20px 24px;
  font-size: 0.95rem;
  line-height: 1.65;
  color: var(--text-secondary);
}
.faq-item.active .faq-body {
  display: block;
}

/* --------------------------------------------------------------------------
   18. Final CTA Section
   -------------------------------------------------------------------------- */
.final-cta-section {
  padding: var(--space-16) 0;
}

.cta-inner-card {
  background: linear-gradient(135deg, #0A192F 0%, #0F2A4A 100%);
  border-radius: var(--radius-xl);
  padding: var(--space-12) var(--space-10);
  text-align: center;
  color: #FFFFFF;
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.cta-badge {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #6EE7B7;
  margin-bottom: var(--space-3);
}

.cta-headline {
  font-size: clamp(2rem, 3.8vw, 3rem);
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: var(--space-4);
}

.cta-subtext {
  font-size: 1.15rem;
  color: #CBD5E1;
  max-width: 650px;
  margin: 0 auto var(--space-8) auto;
  line-height: 1.6;
}

.cta-buttons-row {
  display: flex;
  justify-content: center;
  gap: var(--space-4);
  flex-wrap: wrap;
  margin-bottom: var(--space-8);
}

.cta-contact-meta {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: var(--space-3);
  font-size: 0.85rem;
  color: #94A3B8;
  flex-wrap: wrap;
}
.meta-item {
  display: inline-flex;
  align-items: center;
  gap: 5px;
}
.meta-sep {
  color: #475569;
}

/* --------------------------------------------------------------------------
   19. Professional Footer & Legal
   -------------------------------------------------------------------------- */
.site-footer {
  background-color: var(--color-primary-dark);
  color: #94A3B8;
  padding-top: var(--space-16);
  padding-bottom: var(--space-8);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.9fr 0.9fr 1.1fr;
  gap: var(--space-10);
  margin-bottom: var(--space-12);
}

.footer-logo {
  margin-bottom: var(--space-4);
}
.footer-logo .brand-title {
  color: #FFFFFF;
}
.footer-logo .brand-subtitle {
  color: #94A3B8;
}

.footer-distributor-card {
  background-color: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  font-size: 0.85rem;
}
.footer-distributor-card h4 {
  color: #FFFFFF;
  font-size: 1.1rem;
}
.role-text {
  color: #34D399;
  font-weight: 600;
  margin-bottom: 4px;
}
.arn-tag {
  display: inline-block;
  background-color: rgba(255, 255, 255, 0.1);
  padding: 2px 8px;
  border-radius: var(--radius-sm);
  color: #E2E8F0;
  margin: 4px 0 8px 0;
}
.partner-text {
  color: #E2E8F0;
  margin-bottom: 4px;
}
.loc-text {
  display: flex;
  align-items: center;
  gap: 4px;
  color: #94A3B8;
}

.footer-heading {
  font-size: 1rem;
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: var(--space-4);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  font-size: 0.9rem;
}
.footer-links a:hover {
  color: #34D399;
}

.footer-contact-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  font-size: 0.875rem;
  margin-bottom: var(--space-4);
}
.footer-contact-list li {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}
.icon-wrap {
  color: #34D399;
}

.footer-socials {
  display: flex;
  gap: var(--space-3);
}
.social-link {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background-color: rgba(255, 255, 255, 0.06);
  color: #CBD5E1;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
}
.social-link:hover {
  background-color: var(--color-accent);
  color: #FFFFFF;
}

/* Regulatory Disclaimer Box */
.regulatory-disclaimer-box {
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  margin-bottom: var(--space-8);
  font-size: 0.825rem;
  line-height: 1.55;
}
.disclaimer-highlight {
  color: #FBBF24;
  font-size: 0.9rem;
  margin-bottom: var(--space-2);
}
.disclaimer-details {
  color: #94A3B8;
}

/* Footer Bottom Bar */
.footer-bottom-bar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-4);
  padding-top: var(--space-6);
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  font-size: 0.825rem;
}
.footer-legal-links {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}
.footer-legal-links a:hover {
  color: #FFFFFF;
}
.sep {
  color: #475569;
}

/* --------------------------------------------------------------------------
   20. Floating WhatsApp FAB
   -------------------------------------------------------------------------- */
.floating-whatsapp-wrap {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 9990;
}

.whatsapp-fab {
  display: flex;
  align-items: center;
  gap: 10px;
  background-color: #25D366;
  color: #FFFFFF;
  padding: 12px 18px;
  border-radius: var(--radius-full);
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);
  transition: all var(--transition-normal);
  text-decoration: none;
}
.whatsapp-fab:hover {
  background-color: #1EBE5D;
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.5);
}
.fab-label {
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: -0.01em;
}

/* --------------------------------------------------------------------------
   21. Modals & Dialogs
   -------------------------------------------------------------------------- */
.modal-overlay {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background-color: rgba(3, 11, 23, 0.75);
  backdrop-filter: blur(6px);
  z-index: 10002;
  align-items: center;
  justify-content: center;
  padding: var(--space-4);
}
.modal-overlay.open {
  display: flex;
}

.modal-dialog {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  width: 100%;
  max-width: 580px;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
  animation: modalFadeIn 250ms ease-out;
}
.modal-dialog-lg {
  max-width: 820px;
}

@keyframes modalFadeIn {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding: var(--space-6) var(--space-6) var(--space-4) var(--space-6);
  border-bottom: 1px solid var(--border-color);
}
.modal-kicker {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-accent);
}
.modal-title {
  font-size: 1.45rem;
  font-weight: 800;
}
.modal-sub {
  font-size: 0.85rem;
  color: var(--text-muted);
}
.modal-close {
  font-size: 1.85rem;
  line-height: 1;
  color: var(--text-muted);
  padding: 4px;
}
.modal-close:hover {
  color: var(--text-primary);
}

.modal-body {
  padding: var(--space-6);
}

/* Toast Notification */
.toast-notification {
  position: fixed;
  bottom: -80px;
  left: 50%;
  transform: translateX(-50%);
  background-color: var(--color-primary);
  color: #FFFFFF;
  padding: 12px 24px;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 0.9rem;
  box-shadow: var(--shadow-xl);
  z-index: 10005;
  transition: bottom var(--transition-normal);
}
.toast-notification.show {
  bottom: 28px;
}

/* --------------------------------------------------------------------------
   22. Responsive Breakpoints
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: var(--space-8);
  }
  .hero-trust-panel {
    grid-template-columns: 1fr;
  }
  .trust-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .how-it-works-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .categories-grid {
    grid-template-columns: 1fr;
  }
  .calc-grid {
    grid-template-columns: 1fr;
  }
  .nj-features-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .about-grid {
    grid-template-columns: 1fr;
  }
  .footer-top-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 1140px) {
  .nav-links, .nav-cta-btn {
    display: none;
  }
  .mobile-toggle {
    display: block;
  }
}

@media (min-width: 1141px) and (max-width: 1280px) {
  .nav-links {
    gap: 3px;
  }
  .nav-link {
    font-size: 0.81rem;
    padding: 5px 6px;
  }
  .brand-logo {
    gap: 8px;
  }
  .brand-title {
    font-size: 1.2rem;
  }
}

@media (max-width: 768px) {
  .trust-cards-grid {
    grid-template-columns: 1fr;
  }
  .mf-flow-diagram-container {
    flex-direction: column;
    gap: var(--space-6);
  }
  .flow-connector {
    transform: rotate(90deg);
    padding: var(--space-2) 0;
  }
  .how-it-works-grid {
    grid-template-columns: 1fr;
  }
  .sip-details-grid {
    grid-template-columns: 1fr;
  }
  .nj-features-grid {
    grid-template-columns: 1fr;
  }
  .form-grid-3, .form-grid-2 {
    grid-template-columns: 1fr;
  }
  .results-kpi-grid {
    grid-template-columns: 1fr;
  }
  .footer-top-grid {
    grid-template-columns: 1fr;
  }
  .footer-bottom-bar {
    flex-direction: column;
    text-align: center;
  }
  .fab-label {
    display: none;
  }
  .whatsapp-fab {
    padding: 14px;
  }
}

@media (max-width: 480px) {
  .section {
    padding-top: var(--space-10);
    padding-bottom: var(--space-10);
  }
  .hero-cta-group {
    flex-direction: column;
  }
  .btn-lg {
    width: 100%;
  }
}

/* Reduced Motion Preference */
@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* Inner Page Hero & Breadcrumbs */
.page-hero {
  background: linear-gradient(135deg, #0A192F 0%, #0F2B5C 100%);
  color: #FFFFFF;
  padding: var(--space-12) 0 var(--space-8) 0;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 20%, rgba(16, 185, 129, 0.15) 0%, transparent 60%);
  pointer-events: none;
}
.page-hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #6EE7B7;
  margin-bottom: var(--space-2);
  background: rgba(16, 185, 129, 0.12);
  padding: 4px 12px;
  border-radius: var(--radius-full);
  border: 1px solid rgba(110, 231, 183, 0.25);
}
.page-hero-title {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: #FFFFFF;
  line-height: 1.15;
  margin-bottom: var(--space-3);
}
.page-hero-subtitle {
  font-size: 1.05rem;
  color: #CBD5E1;
  max-width: 720px;
  line-height: 1.6;
  margin-bottom: var(--space-4);
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: #94A3B8;
}
.breadcrumb a {
  color: #94A3B8;
  text-decoration: none;
  transition: color var(--transition-fast);
}
.breadcrumb a:hover {
  color: #34D399;
}
.breadcrumb-sep {
  color: #64748B;
}
.breadcrumb-current {
  color: #FFFFFF;
  font-weight: 600;
}

/* Social Channel Cards */
.social-channels-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: var(--space-4);
  margin-top: var(--space-6);
}
.social-channel-card {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  padding: var(--space-5);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  background-color: var(--bg-surface);
  text-decoration: none;
  transition: all var(--transition-normal);
  color: var(--text-primary);
}
.social-channel-card:hover {
  transform: translateY(-3px);
  border-color: var(--color-accent);
  box-shadow: var(--shadow-md);
}
.social-channel-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  flex-shrink: 0;
}
.icon-instagram {
  background: linear-gradient(45deg, #f09433 0%, #e6683c 25%, #dc2743 50%, #cc2366 75%, #bc1888 100%);
}
.icon-facebook {
  background: #1877F2;
}
.social-channel-meta h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 2px;
}
.social-channel-meta p {
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* --------------------------------------------------------------------------
   Section "View More / Show Less" Controls (Solutions, Learn, FAQs)
   -------------------------------------------------------------------------- */
.hidden-initially {
  display: none !important;
}

.hidden-initially.revealed {
  display: flex !important;
  animation: viewMoreFadeDown 0.35s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

/* Accordion FAQ items are block */
.faq-item.hidden-initially.revealed {
  display: block !important;
}

.section-view-more-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
  flex-wrap: wrap;
  margin-top: var(--space-8);
}

.section-toggle-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  cursor: pointer;
  background-color: var(--bg-surface);
  color: var(--color-royal-blue);
  border: 1.5px solid var(--color-royal-blue);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
}

.section-toggle-btn:hover {
  background-color: var(--color-royal-blue);
  color: #FFFFFF;
  box-shadow: 0 4px 12px rgba(29, 78, 216, 0.25);
  transform: translateY(-1px);
}

.section-toggle-btn .toggle-icon {
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.section-toggle-btn.expanded .toggle-icon {
  transform: rotate(180deg);
}

@keyframes viewMoreFadeDown {
  0% {
    opacity: 0;
    transform: translateY(-12px);
  }
  100% {
    opacity: 1;
    transform: translateY(0);
  }
}

/* --------------------------------------------------------------------------
   About Section Layout Realignment & Quick Credentials Matrix
   -------------------------------------------------------------------------- */
.about-sidebar {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
  position: sticky;
  top: 96px;
  align-self: flex-start;
}

.about-reach-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-6);
  box-shadow: var(--shadow-md);
}

.reach-header {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
  padding-bottom: var(--space-3);
  border-bottom: 1px solid var(--border-color);
}

.reach-header-icon {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, #1D4ED8 0%, #10B981 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  flex-shrink: 0;
}

.reach-header h4 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 2px;
}

.reach-header p {
  font-size: 0.78rem;
  color: var(--text-muted);
}

.reach-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-5);
}

.reach-item {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: 0.88rem;
}

.reach-item-icon {
  width: 32px;
  height: 32px;
  border-radius: var(--radius-sm);
  background-color: var(--bg-surface-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-royal-blue);
  flex-shrink: 0;
}

.reach-item-info {
  display: flex;
  flex-direction: column;
}

.reach-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.reach-val {
  font-weight: 700;
  color: var(--text-primary);
}

.reach-val a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition-fast);
}

.reach-val a:hover {
  color: var(--color-royal-blue);
}

.reach-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-2);
}

.btn-whatsapp-direct {
  background: #25D366;
  color: #FFFFFF;
  font-weight: 700;
  font-size: 0.84rem;
  padding: 9px 12px;
  border-radius: var(--radius-md);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  text-decoration: none;
  transition: all var(--transition-fast);
  box-shadow: 0 2px 6px rgba(37, 211, 102, 0.3);
}

.btn-whatsapp-direct:hover {
  background: #20BA5C;
  transform: translateY(-1px);
  box-shadow: 0 4px 10px rgba(37, 211, 102, 0.4);
}

.btn-call-direct {
  background-color: var(--bg-surface-muted);
  color: var(--text-primary);
  border: 1px solid var(--border-color);
  font-weight: 700;
  font-size: 0.84rem;
  padding: 9px 12px;
  border-radius: var(--radius-md);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  text-decoration: none;
  transition: all var(--transition-fast);
}

.btn-call-direct:hover {
  background-color: var(--color-royal-blue);
  color: #FFFFFF;
  border-color: var(--color-royal-blue);
  transform: translateY(-1px);
}

@media (max-width: 992px) {
  .about-sidebar {
    position: static;
  }
  .about-grid {
    grid-template-columns: 1fr;
    gap: var(--space-8);
  }
}

/* --------------------------------------------------------------------------
   21. Dedicated Legal & Policy Documents Styling
   -------------------------------------------------------------------------- */
.legal-page-section {
  padding: var(--space-12) 0 var(--space-16);
  background-color: var(--bg-body);
}

.legal-container {
  max-width: 920px;
  margin: 0 auto;
}

.legal-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xl);
  padding: var(--space-10) var(--space-8);
  box-shadow: var(--shadow-md);
}

.legal-header-meta {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  flex-wrap: wrap;
  margin-bottom: var(--space-6);
  padding-bottom: var(--space-4);
  border-bottom: 1px solid var(--border-color);
}

.legal-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(29, 78, 216, 0.1);
  color: var(--color-royal-blue);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 9999px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.legal-effective-date {
  font-size: 0.85rem;
  color: var(--text-muted);
  font-weight: 500;
}

.legal-lead {
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--text-primary);
  margin-bottom: var(--space-6);
  font-weight: 500;
}

.legal-section-block {
  margin-bottom: var(--space-8);
  padding-bottom: var(--space-6);
  border-bottom: 1px solid var(--border-color);
}

.legal-section-block:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.legal-section-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: var(--space-3);
  display: flex;
  align-items: center;
  gap: 8px;
}

.legal-section-title .sec-num {
  color: var(--color-royal-blue);
  font-weight: 800;
}

.legal-p {
  font-size: 0.95rem;
  line-height: 1.75;
  color: var(--text-secondary);
  margin-bottom: var(--space-3);
}

.legal-list {
  list-style: none;
  padding-left: 0;
  margin-bottom: var(--space-4);
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.legal-list li {
  position: relative;
  padding-left: 22px;
  font-size: 0.93rem;
  line-height: 1.65;
  color: var(--text-secondary);
}

.legal-list li::before {
  content: "•";
  position: absolute;
  left: 6px;
  color: var(--color-royal-blue);
  font-weight: 700;
  font-size: 1.2rem;
  line-height: 1;
}

.legal-alert-warning {
  background: rgba(245, 158, 11, 0.08);
  border-left: 4px solid #F59E0B;
  padding: var(--space-4) var(--space-5);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin-bottom: var(--space-6);
}

.legal-alert-warning h4 {
  color: #D97706;
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.legal-alert-warning p {
  color: var(--text-primary);
  font-size: 0.92rem;
  line-height: 1.6;
  margin: 0;
}

.legal-contact-card {
  background-color: var(--bg-surface-muted);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  margin-top: var(--space-8);
}

.legal-contact-card h4 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: var(--space-2);
  color: var(--text-primary);
}

.legal-contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-4);
  margin-top: var(--space-4);
}

.legal-contact-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.legal-contact-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 0.04em;
}

.legal-contact-value {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-primary);
}

.legal-contact-value a {
  color: var(--color-royal-blue);
  text-decoration: none;
}

.legal-contact-value a:hover {
  text-decoration: underline;
}

@media (max-width: 768px) {
  .legal-card {
    padding: var(--space-6) var(--space-4);
  }
  .legal-section-title {
    font-size: 1.15rem;
  }
}