:root {
  --gold: #d4af37;
  --gold-light: #d4af37;
  --gold-pale: #f5efe4;
  --dark: #663068;
  --dark-light: #663068;
  --white: #ffffff;
  --off-white: #fafafa;
  --text: #663068;
  --text-light: #6b6b6b;
  --border: #e8e0d0;
  --border-color: #e0e0e0;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  width: 100%;
  font-family: 'Poppins', sans-serif;
  color: var(--text);
  background: var(--white);
  font-size: 16px;
  line-height: 1.7;
  overflow-x: hidden;
}

.page {
  display: none;
}
.page.active {
  display: block;
}

/* NAV */
nav {
  /* position: fixed; */
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow 0.3s;
}
nav.scrolled {
  box-shadow: 0 2px 30px rgba(64, 54, 70, 0.08);
}

.nav-inner {
  max-width: 90%;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 150px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  text-decoration: none;
}

.nav-logo-mark {
  width: 300px;
  /* height: 150px; */
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.nav-logo-mark img {
  width: 100%;
  height: auto;
}

.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.nav-logo-text span:first-child {
  font-size: 18px;
  font-weight: 600;
  color: var(--dark);
  letter-spacing: 0.02em;
}

.nav-logo-text span:last-child {
  font-size: 16px;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}

.nav-links a {
  font-size: 16px !important;
  font-weight: 500;
  color: var(--text-light);
  text-decoration: none;
  padding: 6px 12px;
  border-radius: 4px;
  transition:
    color 0.2s,
    background 0.2s;
  cursor: pointer;
  letter-spacing: 0.01em;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--dark);
  background: var(--gold-pale);
}

.nav-cta {
  background: var(--dark) !important;
  color: var(--white) !important;
  padding: 8px 20px !important;
  border-radius: 4px;
}

.nav-cta:hover {
  background: var(--gold) !important;
  color: var(--white) !important;
}

/* HAMBURGER */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  width: 24px;
  height: 2px;
  background: var(--dark);
  transition: all 0.3s;
  border-radius: 2px;
}
.mobile-menu {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  background: white;
  border-bottom: 1px solid var(--border);
  padding: 20px 24px;
  z-index: 999;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.08);
}
.mobile-menu.open {
  display: block;
}
.mobile-menu a {
  display: block;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  text-decoration: none;
  font-weight: 500;
  font-size: 16px;
  cursor: pointer;
}
.mobile-menu a:last-child {
  border-bottom: none;
}

/* HERO */
.hero {
  padding-top: 72px;
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  background: var(--white);
}

.hero-bg-pattern {
  position: absolute;
  top: 0;
  right: 0;
  width: 55%;
  height: 100%;
  background: var(--gold);
  clip-path: polygon(15% 0, 100% 0, 100% 100%, 0% 100%);
  z-index: 0;
}

.hero-bg-dots {
  position: absolute;
  top: 0;
  right: 0;
  width: 55%;
  height: 100%;
  background-image: radial-gradient(
    circle,
    rgba(166, 140, 84, 0.18) 1px,
    transparent 1px
  );
  background-size: 28px 28px;
  clip-path: polygon(15% 0, 100% 0, 100% 100%, 0% 100%);
  z-index: 1;
}

.hero-inner {
  max-width: 90%;
  margin: 0 auto;
  padding: 80px 32px;
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 60px;
}

.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}

.hero-label::before {
  content: '';
  width: 28px;
  height: 1px;
  background: var(--gold);
}

.hero h1 {
  font-size: clamp(42px, 5vw, 68px);
  font-weight: bolder;
  line-height: 1.08;
  color: var(--dark);
  margin-bottom: 24px;
  letter-spacing: -0.01em;
}

.hero h1 em {
  /* font-style: italic; */
  color: var(--gold);
}

.hero p {
  font-size: 18px;
  line-height: 1.75;
  color: var(--text-light);
  max-width: 460px;
  margin-bottom: 36px;
}

.hero-buttons {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.btn-primary {
  background: var(--text);
  color: white;
  border: none;
  padding: 14px 28px;
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 500;
  letter-spacing: 0.02em;
  cursor: pointer;
  border-radius: 4px;
  transition:
    background 0.2s,
    transform 0.2s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-primary:hover {
  background: var(--gold);
  transform: translateY(-1px);
}

.btn-secondary {
  background: transparent;
  color: var(--dark);
  border: 1.5px solid var(--border);
  padding: 13px 28px;
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 500;
  cursor: pointer;
  border-radius: 4px;
  transition: all 0.2s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-1px);
}

.hero-risk {
  font-size: 20px !important;
  color: var(--text-light);
  padding: 12px 16px;
  background: rgba(166, 140, 84, 0.06);
  border-left: 3px solid var(--gold);
  border-radius: 0 4px 4px 0;
  max-width: 440px;
}

.hero-stats {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.hero-stat-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 24px 28px;
  box-shadow: 0 4px 20px rgba(64, 54, 70, 0.06);
  transition:
    transform 0.3s,
    box-shadow 0.3s;
}

.hero-stat-card:hover {
  transform: translateX(6px);
  box-shadow: 0 8px 32px rgba(64, 54, 70, 0.1);
}

.hero-stat-icon {
  width: 40px;
  height: 40px;
  background: var(--gold-pale);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
}

.hero-stat-card h3 {
  font-size: 32px;
  font-weight: 600;
  color: var(--dark);
  line-height: 1;
  margin-bottom: 4px;
}

.hero-stat-card p {
  font-size: 16px;
  color: var(--text-light);
  margin: 0;
}

/* TRUST BAR */
.trust-bar {
  background: var(--dark);
  padding: 20px 32px;
}

.trust-bar-inner {
  max-width: 90%;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.75);
  font-size: 16px;
  font-weight: 400;
}

.trust-item svg {
  color: var(--gold);
  flex-shrink: 0;
}

/* SECTIONS */
.section {
  padding: 90px 32px;
}

.section-inner {
  max-width: 90%;
  margin: 0 auto;
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.section-label::before {
  content: '';
  width: 20px;
  height: 1px;
  background: var(--gold);
}

.section-title {
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 500;
  color: var(--dark);
  line-height: 1.1;
  margin-bottom: 20px;
  letter-spacing: -0.01em;
}

.section-intro {
  font-size: 16px;
  color: var(--text-light);
  max-width: 580px;
  line-height: 1.75;
}

/* SERVICES GRID */
.services-section {
  background: var(--off-white);
}

.services-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 56px;
  flex-wrap: wrap;
  gap: 24px;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 36px 32px;
  cursor: pointer;
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.3s;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 48px rgba(64, 54, 70, 0.12);
  border-color: transparent;
}

.service-card:hover::before {
  transform: scaleX(1);
}

.service-icon {
  width: 52px;
  height: 52px;
  background: var(--gold-pale);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
}

.service-card h3 {
  font-size: 22px;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 6px;
}

.service-card .service-sub {
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

.service-card p {
  font-size: 16px;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 20px;
}

.service-link {
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  display: flex;
  align-items: center;
  gap: 6px;
  transition:
    color 0.2s,
    gap 0.2s;
}

.service-card:hover .service-link {
  color: var(--gold);
  gap: 10px;
}

/* APPROACH */
.approach-section {
  background: white;
}

.approach-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
  margin-top: 56px;
}

.approach-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.approach-step {
  display: flex;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--border);
  transition: all 0.2s;
}

.approach-step:last-child {
  border-bottom: none;
}

.step-num {
  font-size: 42px;
  font-weight: 300;
  color: var(--gold);
  opacity: 0.5;
  line-height: 1;
  flex-shrink: 0;
  width: 48px;
}

.step-content h4 {
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 8px;
  letter-spacing: 0.01em;
}

.step-content p {
  font-size: 16px;
  color: var(--text-light);
  line-height: 1.7;
}

.approach-quote {
  background: #663068;
  border-radius: 16px;
  padding: 48px 40px;
  position: relative;
  overflow: hidden;
}

.approach-quote::before {
  content: '"';
  position: absolute;
  top: -20px;
  right: 24px;
  font-size: 200px;
  color: rgba(166, 140, 84, 0.1);
  line-height: 1;
  pointer-events: none;
}

.approach-quote blockquote {
  font-size: 22px;
  font-style: italic;
  font-weight: 400;
  color: white;
  line-height: 1.6;
  margin-bottom: 24px;
  position: relative;
  z-index: 1;
}

.approach-quote cite {
  font-size: 16px;
  color: var(--gold);
  font-style: normal;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.calc-section {
  background: var(--off-white);
}

.calc-header {
  text-align: center;
  margin-bottom: 52px;
}
.calc-header .section-label {
  justify-content: center;
}
.calc-header .section-intro {
  margin: 0 auto;
}

.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 8px 40px rgba(64, 54, 70, 0.08);
  max-width: 960px;
  margin: 0 auto;
}

/* INPUTS PANEL */
.calc-inputs {
  padding: 44px 40px;
  border-right: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.calc-field-group {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.calc-label {
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--dark);
  display: flex;
  align-items: center;
  gap: 6px;
}

.calc-tooltip {
  color: var(--text-light);
  cursor: help;
  display: flex;
  align-items: center;
  position: relative;
}

.calc-input-wrap {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  background: var(--off-white);
  transition: border-color 0.2s;
}
.calc-input-wrap:focus-within {
  border-color: var(--gold);
  background: white;
}

.calc-prefix,
.calc-suffix {
  padding: 0 14px;
  font-size: 15px;
  font-weight: 600;
  color: var(--gold);
  background: rgba(166, 140, 84, 0.06);
  height: 48px;
  display: flex;
  align-items: center;
  flex-shrink: 0;
  border-right: 1px solid var(--border);
}
.calc-suffix {
  border-right: none;
  border-left: 1px solid var(--border);
}

.calc-input {
  flex: 1;
  border: none;
  outline: none;
  background: transparent;
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 500;
  color: var(--dark);
  padding: 0 14px;
  height: 48px;
  -moz-appearance: textfield;
  appearance: textfield;
}
.calc-input::-webkit-outer-spin-button,
.calc-input::-webkit-inner-spin-button {
  -webkit-appearance: none;
}

.calc-range {
  -webkit-appearance: none;
  appearance: textfield;
  width: 100%;
  height: 4px;
  border-radius: 2px;
  background: var(--border);
  outline: none;
  cursor: pointer;
}
.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 0 0 1.5px var(--gold);
  transition: transform 0.15s;
}
.calc-range::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}
.calc-range::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 3px solid white;
}

.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 14px;
  color: var(--text-light);
  margin-top: -4px;
}

.calc-toggle-group {
  display: flex;
  gap: 0;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
}
.calc-toggle {
  flex: 1;
  padding: 11px 16px;
  border: none;
  background: var(--off-white);
  font-family: 'Poppins', sans-serif;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--text-light);
  cursor: pointer;
  transition: all 0.2s;
}
.calc-toggle + .calc-toggle {
  border-left: 1.5px solid var(--border);
}
.calc-toggle.active {
  background: var(--dark);
  color: white;
  font-weight: 600;
}

/* RESULTS PANEL */
.calc-results {
  padding: 44px 40px;
  background: var(--dark);
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.calc-results-top {
  text-align: center;
}

.calc-results-label {
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 8px;
}

.calc-monthly {
  font-size: 56px;
  font-weight: 600;
  color: white;
  line-height: 1;
  margin-bottom: 8px;
  transition: all 0.3s;
}

.calc-repayment-note {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.4);
}

.calc-breakdown {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 10px;
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.calc-breakdown-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
}

.calc-breakdown-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.07);
}

.calc-breakdown-label {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.5);
}

.calc-breakdown-value {
  font-size: 15px;
  font-weight: 600;
  color: white;
  transition: all 0.3s;
}

/* DONUT */
.calc-chart-wrap {
  display: flex;
  align-items: center;
  gap: 20px;
  justify-content: center;
}

.calc-donut {
  width: 100px;
  height: 100px;
  transform: rotate(-90deg);
  flex-shrink: 0;
}

.calc-donut-bg {
  stroke: rgba(255, 255, 255, 0.06);
}
.calc-donut-capital {
  stroke: var(--white, #5c5066);
  transition: stroke-dasharray 0.6s ease;
}
.calc-donut-interest {
  stroke: var(--gold);
  transition:
    stroke-dasharray 0.6s ease,
    stroke-dashoffset 0.6s ease;
}

.calc-chart-legend {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.calc-legend-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.65);
}

.calc-legend-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}

.calc-disclaimer {
  font-size: 11.5px;
  color: rgba(255, 255, 255, 0.3);
  line-height: 1.6;
  text-align: center;
}

.speak {
  color: white;
  border: none;
  padding: 14px 28px;
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 500;
  letter-spacing: 0.02em;
  cursor: pointer;
  border-radius: 4px;
  transition:
    background 0.2s,
    transform 0.2s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: var(--gold) !important;
}

/* RESPONSIVE */
@media (max-width: 768px) {
  .calc-wrapper {
    grid-template-columns: 1fr;
  }
  .calc-inputs {
    border-right: none;
    border-bottom: 1px solid var(--border);
    padding: 32px 24px;
  }
  .calc-results {
    padding: 32px 24px;
  }
  .calc-monthly {
    font-size: 42px;
  }
}

.trust-statement {
  margin-top: 40px;
  padding: 24px 28px;
  background: var(--gold);
  border-radius: 10px;
  border-left: 4px solid var(--gold);
}

.trust-statement p {
  font-size: 17px;
  font-style: italic;
  color: #fff;
  line-height: 1.6;
}

/* TESTIMONIALS */
.testimonials-section {
  background: var(--off-white);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.testimonial-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 32px 28px;
  position: relative;
}

.stars {
  display: flex;
  gap: 3px;
  margin-bottom: 18px;
  color: var(--gold);
}

.testimonial-card blockquote {
  font-size: 15px;
  line-height: 1.75;
  color: var(--text);
  margin-bottom: 20px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 40px;
  height: 40px;
  background: var(--dark);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  color: var(--gold);
  font-weight: 600;
  flex-shrink: 0;
}

.author-info span:first-child {
  display: block;
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
}

.author-info span:last-child {
  font-size: 15px;
  color: var(--text-light);
}

/* PARTNERS SLIDER */
.partners-section {
  background: white;
  padding: 70px 0;
  overflow: hidden;
}

.partners-header {
  text-align: center;
  padding: 0 32px;
  margin-bottom: 48px;
}

.partners-track-wrap {
  position: relative;
  overflow: hidden;
}

.partners-track-wrap::before,
.partners-track-wrap::after {
  content: '';
  position: absolute;
  top: 0;
  width: 120px;
  height: 100%;
  z-index: 2;
  pointer-events: none;
}

.partners-track-wrap::before {
  left: 0;
  background: linear-gradient(to right, white, transparent);
}

.partners-track-wrap::after {
  right: 0;
  background: linear-gradient(to left, white, transparent);
}

.partners-track {
  display: flex;
  gap: 0;
  width: max-content;
  animation: scroll-partners 40s linear infinite;
}

.partners-track:hover {
  animation-play-state: paused;
}

@keyframes scroll-partners {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

.partner-item {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 32px;
  height: 80px;
  flex-shrink: 0;
  transition: filter 0.3s;
  border-right: 1px solid var(--border);
}

.partner-item img {
  width: auto;
  height: 100%;
}

.partner-item:hover {
  filter: grayscale(0%) opacity(1);
}

.partner-name {
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  white-space: nowrap;
  letter-spacing: 0.02em;
  display: none;
}

/* CTA STRIP */
.cta-strip {
  background: #f5f7fa;
  padding: 80px 32px;
  position: relative;
  overflow: hidden;
}

.cta-strip::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 280px;
  height: 280px;
  border-radius: 50%;
  background: rgba(166, 140, 84, 0.08);
}

.cta-strip::after {
  content: '';
  position: absolute;
  bottom: -80px;
  left: 10%;
  width: 360px;
  height: 360px;
  border-radius: 50%;
  background: rgba(166, 140, 84, 0.05);
}

.cta-strip-inner {
  max-width: 90%;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 32px;
  position: relative;
  z-index: 1;
}

.cta-strip h2 {
  font-size: clamp(28px, 3.5vw, 44px);
  font-weight: 500;
  color: var(--text);
  margin-bottom: 12px;
  line-height: 1.15;
}

.cta-strip p {
  font-size: 16px;
  color: var(--text);
  max-width: 500px;
}

.btn-gold {
  background: var(--gold);
  color: white;
  border: none;
  padding: 16px 36px;
  font-family: 'Poppins', sans-serif;
  font-size: 15px;
  font-weight: 500;
  letter-spacing: 0.02em;
  cursor: pointer;
  border-radius: 4px;
  transition: all 0.2s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}

.btn-gold:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
}

/* FOOTER */
footer {
  background: #652f67;
  padding: 70px 32px 32px;
  color: rgba(255, 255, 255, 0.6);
}

.footer-inner {
  max-width: 90%;
  margin: 0 auto;
}

.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 60px;
}

.footer-brand .footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
  cursor: pointer;
}

.footer-logo-mark {
  width: 160;
  height: 160px;
  background: var(--white);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.footer-logo-mark img {
  width: 100%;
  height: 100%;
}

.footer-logo-text span:first-child {
  display: block;
  font-size: 18px;
  font-weight: 600;
  color: white;
}

.footer-logo-text span:last-child {
  display: block;
  font-size: 14px;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.footer-brand p {
  font-size: 16px;
  line-height: 1.75;
  max-width: 280px;
}

.footer-col h4 {
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: white;
  margin-bottom: 20px;
}

.footer-col a {
  display: block;
  font-size: 16px;
  color: rgba(255, 255, 255, 0.55);
  text-decoration: none;
  margin-bottom: 10px;
  transition: color 0.2s;
  cursor: pointer;
}

.footer-col a:hover {
  color: var(--gold);
}

.footer-divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.08);
  margin-bottom: 32px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 24px;
}

.footer-legal {
  font-size: 16px;
  line-height: 1.7;
  max-width: 620px;
}

.footer-copyright {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.35);
  text-align: right;
}

/* PAGE HERO (inner pages) */
.page-hero {
  padding-top: 72px;
  background: var(--gold);
  padding-bottom: 0;
  position: relative;
  overflow: hidden;
}

.page-hero-inner {
  max-width: 90%;
  margin: 0 auto;
  padding: 70px 32px 60px;
  position: relative;
  z-index: 2;
}

.page-hero-inner .hero-label {
  margin-bottom: 16px;
}

.page-hero-inner h1 {
  font-size: 2.5rem !important;
  font-weight: 500;
  color: white;
  line-height: 1.1;
  margin-bottom: 20px;
  max-width: 680px;
}

.page-hero-inner p {
  font-size: 16px;
  /* color: var(--text-light); */
  color: white;
  max-width: 560px;
  line-height: 1.75;
}

.page-hero-wave {
  height: 60px;
  width: 100%;
  display: none;
}

/* INFO BLOCK */
.info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.info-text h2 {
  font-size: clamp(28px, 3vw, 42px);
  font-weight: 500;
  color: var(--dark);
  line-height: 1.15;
  margin-bottom: 20px;
}

.info-text p {
  font-size: 16px;
  line-height: 1.8;
  color: var(--text-light);
  margin-bottom: 16px;
}

/* STEPS */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.step-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 28px 24px;
  position: relative;
  overflow: hidden;
}

.step-card::before {
  content: attr(data-step);
  position: absolute;
  top: -8px;
  right: 16px;
  font-size: 80px;
  font-weight: 300;
  color: var(--gold);
  opacity: 0.1;
  line-height: 1;
}

.step-card h3 {
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 10px;
}

.step-card p {
  font-size: 16px;
  color: var(--text-light);
  line-height: 1.7;
}

/* CARDS GRID */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 48px;
}

.feature-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 28px 24px;
  transition: all 0.25s;
}

.feature-card:hover {
  border-color: var(--gold);
  box-shadow: 0 8px 24px rgba(166, 140, 84, 0.1);
  transform: translateY(-2px);
}

.feature-card h3 {
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.feature-card h3::before {
  content: '';
  width: 8px;
  height: 8px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}

.feature-card p {
  font-size: 16px;
  color: var(--text-light);
  line-height: 1.7;
}

.disclaimer {
  font-size: 16px;
  color: var(--text-light);
  font-style: italic;
  margin-top: 20px;
  padding: 12px 16px;
  background: var(--gold-pale);
  border-radius: 6px;
}

/* PROTECTION PRODUCTS */
.protection-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 48px;
}

.protection-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 28px 24px;
  transition: all 0.25s;
}

.protection-card:hover {
  border-color: var(--gold);
  box-shadow: 0 8px 24px rgba(166, 140, 84, 0.1);
  transform: translateY(-3px);
}

.protection-icon {
  width: 44px;
  height: 44px;
  background: var(--gold-pale);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.protection-card h3 {
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 10px;
}

.protection-card p {
  font-size: 16px;
  color: var(--text-light);
  line-height: 1.7;
}

/* CONTACT */
.contact-grid {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: 56px;
  margin-top: 56px;
}

.contact-form {
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 40px;
}

.contact-form h3 {
  font-size: 26px;
  font-weight: 500;
  color: var(--dark);
  margin-bottom: 28px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--dark);
  margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  color: var(--text);
  background: var(--off-white);
  transition: border-color 0.2s;
  outline: none;
  appearance: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  background: white;
}

.form-group textarea {
  height: 120px;
  resize: vertical;
}

.form-note {
  font-size: 16px;
  color: var(--text-light);
  margin-top: 12px;
  line-height: 1.6;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-info h3 {
  font-size: 26px;
  font-weight: 500;
  color: var(--dark);
  margin-bottom: 4px;
}

.contact-info > p {
  font-size: 16px;
  color: var(--text-light);
  line-height: 1.7;
}

.contact-detail {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: 10px;
}

.contact-detail-icon {
  width: 40px;
  height: 40px;
  background: var(--gold-pale);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-detail-text strong {
  display: block;
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 4px;
}

.contact-detail-text span {
  font-size: 16px;
  color: var(--dark);
  font-weight: 500;

  a {
    color: var(--dark);
  }
}

.reg-box {
  background: var(--dark);
  border-radius: 10px;
  padding: 24px;
  color: rgba(255, 255, 255, 0.65);
  font-size: 16px;
  line-height: 1.7;
}

.reg-box strong {
  color: var(--gold);
  display: block;
  margin-bottom: 8px;
  font-size: 16px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* PRIVACY */
.privacy-content {
  max-width: 760px;
  margin: 0 auto;
}

.privacy-section {
  margin-bottom: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--border);
}

.privacy-section:last-child {
  border-bottom: none;
  margin-bottom: 0;
}

.privacy-section h2 {
  font-size: 24px;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 16px;
}

.privacy-section p {
  font-size: 16px;
  color: var(--text-light);
  line-height: 1.8;
  margin-bottom: 12px;
}

.privacy-section ul {
  list-style: none;
  padding: 0;
  margin: 12px 0;
}

.privacy-section ul li {
  font-size: 16px;
  color: var(--text-light);
  line-height: 1.7;
  padding: 8px 0 8px 20px;
  border-bottom: 1px solid var(--border);
  position: relative;
}

.privacy-section ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 17px;
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
}

.privacy-section ul li:last-child {
  border-bottom: none;
}

.security-notice {
  margin-top: 80px;
  padding: 30px;
  background-color: var(--accent-bg);
  border-radius: 8px;
  border-left: 4px solid var(--primary-color);
}

.security-notice h3 {
  margin-top: 0;
  color: var(--primary-color);
}

.contact-table-wrapper {
  margin-top: 60px;
  overflow-x: auto;
}

.contact-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 20px;
  font-size: 0.95rem;
}

.contact-table th,
.contact-table td {
  text-align: left;
  padding: 15px;
  border-bottom: 1px solid var(--border-color);
}

.contact-table th {
  background-color: var(--gold);
  color: var(--primary-color);
  font-weight: 600;
}

/* RESPONSIVE */
@media (max-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-top {
    grid-template-columns: 1fr 1fr;
  }
  .approach-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .protection-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .nav-logo-mark {
    width: 200px;
  }

  .page-hero-inner h1 {
    font-size: 1.8rem !important;
  }

  .footer-logo-mark {
    width: 200px;
    height: auto;
  }

  .nav-links {
    display: none;
  }
  .hamburger {
    display: flex;
  }
  .hero-inner {
    grid-template-columns: 1fr;
  }
  .hero-stats {
    display: grid;
    grid-template-columns: 1fr;
  }
  .hero-bg-pattern,
  .hero-bg-dots {
    width: 100%;
    clip-path: none;
    opacity: 0.4;
  }
  .services-grid {
    grid-template-columns: 1fr;
  }
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
  .info-grid {
    grid-template-columns: 1fr;
  }
  .steps-grid {
    grid-template-columns: 1fr;
  }
  .cards-grid {
    grid-template-columns: 1fr;
  }
  .protection-grid {
    grid-template-columns: 1fr;
  }
  .contact-grid {
    grid-template-columns: 1fr;
  }
  .footer-top {
    grid-template-columns: 1fr;
  }
  .footer-bottom {
    flex-direction: column;
  }
  .footer-copyright {
    text-align: left;
  }
  .form-row {
    grid-template-columns: 1fr;
  }
  .trust-bar-inner {
    justify-content: center;
  }
  .cta-strip-inner {
    flex-direction: column;
  }
}

/* ANIMATIONS */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.anim {
  opacity: 0;
  transform: translateY(24px);
  transition:
    opacity 0.6s ease,
    transform 0.6s ease;
}

.anim.visible {
  opacity: 1;
  transform: translateY(0);
}

/* active nav */
.active-page-link {
  color: var(--dark) !important;
  background: var(--gold-pale) !important;
}

h1,
h2,
h3,
h4,
h5 {
  font-family: 'Poppins', sans-serif;
}

* {
  font-size: 18px !important;
}