:root {
  --primary: #0A192F;
  --primary-light: #172A45;
  --axis-burgundy: #861F41;
  --axis-burgundy-dark: #4D0A22;
  --axis-burgundy-light: #A32852;
  --gold: #C5A059;
  --gold-hover: #AF8B47;
  --gold-glow: rgba(197, 160, 89, 0.25);
  --green: #10B981;
  --bg-light: #F8FAFC;
  --text-dark: #0F172A;
  --text-muted: #64748B;
  --border-color: #E2E8F0;
  --shadow-sm: 0 4px 14px rgba(10, 25, 47, 0.05);
  --shadow-md: 0 10px 30px rgba(10, 25, 47, 0.08);
  --shadow-lg: 0 20px 40px rgba(10, 25, 47, 0.12);
}

*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, sans-serif;
}

body {
  color: var(--text-dark);
  background-color: #FFFFFF;
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  padding-bottom: 70px;
}

@media (min-width: 769px) {
  body { padding-bottom: 0; }
}

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

a {
  text-decoration: none;
  color: inherit;
}

/* Header */
header {
  background: #FFFFFF;
  border-bottom: 1px solid var(--border-color);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.03);
}

.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 24px;
  gap: 16px;
}

.brand-container {
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 0;
}

.brand-logo-img {
  height: 48px;
  width: auto;
  border-radius: 8px;
  object-fit: contain;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
}

.brand-text-box {
  display: flex;
  flex-direction: column;
}

.brand-title {
  font-size: 17px;
  font-weight: 900;
  color: var(--primary);
  line-height: 1.2;
  letter-spacing: 0.5px;
}

.brand-subtitle {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--axis-burgundy);
  letter-spacing: 0.3px;
  margin-top: 3px;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

/* Buttons */
.btn {
  display: inline-block;
  padding: 11px 24px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
  transition: all 0.25s ease;
  text-align: center;
  white-space: nowrap;
  border: 1px solid transparent;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-gold {
  background: linear-gradient(135deg, #D4AF37 0%, #AA771C 100%);
  color: #FFFFFF;
  box-shadow: 0 4px 15px rgba(170, 119, 28, 0.3);
}

.btn-gold:hover {
  box-shadow: 0 6px 20px rgba(170, 119, 28, 0.45);
}

.btn-back {
  background: transparent;
  color: var(--primary);
  border: 1.5px solid var(--primary);
  padding: 8px 16px;
  font-size: 13px;
}

.btn-back:hover {
  background: var(--primary);
  color: #FFFFFF;
}

/* Hero Section */
.hero {
  background: linear-gradient(rgba(107, 17, 48, 0.88), rgba(77, 10, 34, 0.94)),
              url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?auto=format&fit=crop&w=1920&q=80');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: #FFFFFF;
  padding: 95px 0 85px;
  text-align: center;
  position: relative;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: #F8FAFC;
  padding: 6px 16px;
  border-radius: 30px;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  margin-bottom: 20px;
  backdrop-filter: blur(8px);
}

.badge-dot {
  width: 8px;
  height: 8px;
  background-color: var(--green);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--green);
}

.hero h1 {
  font-size: 40px;
  font-weight: 900;
  margin-bottom: 18px;
  line-height: 1.3;
  letter-spacing: 0.3px;
}

.hero p {
  max-width: 740px;
  margin: 0 auto 32px;
  color: #F1F5F9;
  font-size: 16.5px;
  line-height: 1.7;
}

.hero-cta-btns {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

.btn-glass {
  background: rgba(255, 255, 255, 0.12);
  color: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(8px);
}

.btn-glass:hover {
  background: rgba(255, 255, 255, 0.22);
}

/* Infinite Moving Ticker (Top Bar) */
.trust-ticker-wrap {
  width: 100%;
  overflow: hidden;
  background: #FFFFFF;
  border-bottom: 1px solid var(--border-color);
  padding: 14px 0;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.03);
  white-space: nowrap;
}

.trust-ticker {
  display: inline-flex;
  align-items: center;
  gap: 15px;
  animation: tickerMove 28s linear infinite;
}

.trust-ticker-wrap:hover .trust-ticker {
  animation-play-state: paused;
}

.ticker-item {
  font-size: 14px;
  font-weight: 600;
  color: var(--primary);
  display: inline-flex;
  align-items: center;
}

.ticker-item span {
  color: var(--gold);
  margin: 0 8px;
}

.ticker-item strong {
  color: var(--axis-burgundy);
}

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

/* Section Global */
.section {
  padding: 75px 0;
}

.bg-gray {
  background-color: var(--bg-light);
}

.section-title {
  text-align: center;
  margin-bottom: 50px;
}

.section-badge {
  display: inline-block;
  background: var(--gold-glow);
  color: #8C6D2B;
  font-size: 11.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 4px 14px;
  border-radius: 20px;
  border: 1px solid rgba(197, 160, 89, 0.35);
  margin-bottom: 12px;
}

.section-title h2 {
  font-size: 30px;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 8px;
}

.section-title p {
  color: var(--text-muted);
  font-size: 15px;
  max-width: 600px;
  margin: 0 auto;
}

/*      1. MOVING STEPS TICKER      */
.steps-ticker-wrap {
  width: 100%;
  overflow: hidden;
  position: relative;
  padding: 15px 0;
}

.steps-ticker {
  display: flex;
  gap: 25px;
  width: max-content;
  animation: scrollSteps 25s linear infinite;
}

.steps-ticker-wrap:hover .steps-ticker {
  animation-play-state: paused;
}

.steps-ticker .step-card {
  background: #FFFFFF;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 35px 25px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: border-color 0.3s ease, box-shadow 0.3s ease;
  flex: 0 0 360px;
}

.steps-ticker .step-card:hover {
  border-color: var(--axis-burgundy);
  box-shadow: var(--shadow-md);
}

@keyframes scrollSteps {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(calc(-50% - 12.5px));
  }
}

.step-num {
  width: 44px;
  height: 44px;
  background: var(--axis-burgundy);
  color: #FFFFFF;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 16px;
  margin: 0 auto 18px;
  box-shadow: 0 4px 12px rgba(134, 31, 65, 0.3);
}

.step-card h4 {
  font-size: 18px;
  color: var(--primary);
  margin-bottom: 10px;
  font-weight: 700;
}

.step-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

/*      2. MOVING SERVICES TICKER (CARDS)      */
.services-ticker-wrap {
  width: 100%;
  overflow: hidden;
  position: relative;
  padding: 15px 0;
}

.services-ticker {
  display: flex;
  gap: 25px;
  width: max-content;
  animation: scrollServices 35s linear infinite;
}

.services-ticker-wrap:hover .services-ticker {
  animation-play-state: paused;
}

.services-ticker .service-card {
  background: #FFFFFF;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 30px 25px;
  box-shadow: var(--shadow-sm);
  transition: border-color 0.3s ease, box-shadow 0.3s ease;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  flex: 0 0 360px;
}

.services-ticker .service-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--axis-burgundy-light);
}

@keyframes scrollServices {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(calc(-50% - 12.5px));
  }
}

.card-icon {
  font-size: 34px;
  margin-bottom: 14px;
}

.service-card h3 {
  font-size: 19px;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 10px;
}

.service-card p {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 18px;
  line-height: 1.6;
  flex-grow: 1;
}

.badge-tag {
  font-size: 12.5px;
  color: var(--axis-burgundy);
  font-weight: 700;
  background: #FDF2F4;
  padding: 5px 12px;
  border-radius: 6px;
  display: inline-block;
  width: fit-content;
}

/* SIP Calculator */
.calc-container {
  background: #FFFFFF;
  border: 1px solid var(--border-color);
  border-radius: 16px;
  box-shadow: var(--shadow-md);
  padding: 40px;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: center;
}

.slider-group {
  margin-bottom: 24px;
}

.slider-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
  font-weight: 600;
  font-size: 14px;
  color: var(--text-dark);
}

.slider-val-box {
  background: #F8FAFC;
  border: 1.5px solid var(--border-color);
  padding: 4px 12px;
  border-radius: 6px;
  color: var(--axis-burgundy);
  font-weight: 800;
  font-size: 15px;
}

.calc-slider {
  width: 100%;
  height: 6px;
  border-radius: 4px;
  background: #E2E8F0;
  outline: none;
  -webkit-appearance: none;
  appearance: none;
  cursor: pointer;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--axis-burgundy);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(134, 31, 65, 0.4);
}

.calc-result-box {
  background: linear-gradient(135deg, #0A192F 0%, #172A45 100%);
  color: #FFFFFF;
  padding: 35px 30px;
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.result-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 14px;
}

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

.result-total {
  margin: 18px 0;
  padding-top: 15px;
  border-top: 2px dashed rgba(197, 160, 89, 0.5);
  text-align: center;
}

.result-total span {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--gold);
  font-weight: 700;
  display: block;
}

.result-total h3 {
  font-size: 32px;
  color: #FFFFFF;
  font-weight: 900;
  margin-top: 4px;
}

/* Pillars */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.feature-box {
  background: #FFFFFF;
  padding: 26px 20px;
  border-radius: 10px;
  border: 1px solid var(--border-color);
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: all 0.25s ease;
}

.feature-box:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
}

.feature-box h4 {
  color: var(--primary);
  margin-bottom: 8px;
  font-size: 16px;
  font-weight: 700;
}

.feature-box p {
  font-size: 13.5px;
  color: var(--text-muted);
  line-height: 1.5;
}

/* Metrics Grid */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.stat-card {
  background: #FFFFFF;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 32px 20px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}

.stat-icon {
  font-size: 32px;
  margin-bottom: 10px;
}

.stat-number {
  font-size: 30px;
  font-weight: 900;
  color: var(--primary);
  margin-bottom: 4px;
}

.stat-card h4 {
  font-size: 15px;
  color: var(--gold);
  margin-bottom: 8px;
  font-weight: 700;
}

.stat-card p {
  font-size: 13.5px;
  color: var(--text-muted);
}

/* Contact & Map Grid */
.contact-map-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
  align-items: stretch;
}

.contact-container {
  background: #FFFFFF;
  border: 1px solid var(--border-color);
  border-radius: 14px;
  padding: 35px 30px;
  box-shadow: var(--shadow-md);
}

.map-container {
  background: #FFFFFF;
  border: 1px solid var(--border-color);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
}

.map-header {
  padding: 16px 20px;
  border-bottom: 1px solid var(--border-color);
  background: #F8FAFC;
}

.map-header h4 {
  font-size: 15px;
  color: var(--primary);
}

.map-header p {
  font-size: 12px;
  color: var(--text-muted);
}

.map-frame {
  width: 100%;
  height: 100%;
  min-height: 340px;
  border: none;
}

.form-group {
  margin-bottom: 15px;
}

.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 5px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid #CBD5E1;
  border-radius: 6px;
  font-size: 14px;
  outline: none;
  transition: border-color 0.2s ease;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--axis-burgundy);
}

.form-group textarea {
  min-height: 80px;
}

.error-msg { 
  color: #DC2626; 
  font-size: 12px; 
  display: block; 
  margin-top: 4px; 
}

.input-invalid { 
  border-color: #DC2626 !important; 
}

/* Reviews Grid */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 25px;
}

.review-card {
  background: #FFFFFF;
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.stars {
  color: #F59E0B;
  font-size: 16px;
  margin-bottom: 12px;
}

.review-text {
  font-size: 14.5px;
  color: #475569;
  font-style: italic;
  margin-bottom: 20px;
  line-height: 1.65;
}

.reviewer-info {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px solid var(--border-color);
  padding-top: 16px;
}

.reviewer-avatar {
  width: 44px;
  height: 44px;
  background: var(--axis-burgundy);
  color: #FFFFFF;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
}

.reviewer-info h5 {
  font-size: 14.5px;
  color: var(--primary);
  font-weight: 700;
}

.reviewer-info p {
  font-size: 12px;
  color: var(--text-muted);
}

/* Accordion FAQ */
.faq-container {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: #FFFFFF;
  border: 1px solid var(--border-color);
  border-radius: 10px;
  margin-bottom: 12px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all 0.25s ease;
}

.faq-question {
  padding: 18px 24px;
  font-weight: 700;
  font-size: 15px;
  color: var(--primary);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  user-select: none;
}

.faq-icon {
  font-size: 18px;
  color: var(--axis-burgundy);
  font-weight: bold;
  transition: transform 0.25s ease;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 24px;
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.65;
}

.faq-item.active .faq-answer {
  max-height: 200px;
  padding-bottom: 18px;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
}

/* FIXED FLOATING QR CODE WIDGET (DESKTOP) */
.sticky-qr-widget {
  position: fixed;
  top: 50%;
  right: 20px;
  transform: translateY(-50%);
  background: #FFFFFF;
  border: 2px solid var(--axis-burgundy);
  border-radius: 14px;
  padding: 14px 12px;
  box-shadow: 0 10px 30px rgba(134, 31, 65, 0.25);
  z-index: 995;
  text-align: center;
  width: 150px;
  transition: all 0.25s ease;
}

.sticky-qr-widget:hover {
  box-shadow: 0 14px 40px rgba(134, 31, 65, 0.4);
  transform: translateY(-52%) scale(1.02);
}

.sticky-qr-widget .qr-tag {
  font-size: 10.5px;
  font-weight: 800;
  color: #FFFFFF;
  background: var(--axis-burgundy);
  padding: 4px 8px;
  border-radius: 4px;
  display: block;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}

.sticky-qr-widget img {
  width: 120px;
  height: 120px;
  display: block;
  margin: 0 auto;
  border-radius: 8px;
  border: 1px solid var(--border-color);
}

.sticky-qr-widget .qr-subtext {
  font-size: 10.5px;
  color: var(--text-muted);
  font-weight: 600;
  margin-top: 6px;
  line-height: 1.3;
}

.sticky-qr-widget .qr-click-link {
  display: block;
  margin-top: 6px;
  font-size: 10.5px;
  font-weight: 700;
  color: var(--axis-burgundy);
  text-decoration: underline;
}

/* Footer & Regulatory Disclosures */
footer {
  background: var(--primary);
  color: #94A3B8;
  padding: 40px 0 25px;
  text-align: center;
  font-size: 13.5px;
}

.regulatory-disclosure {
  font-size: 11.5px;
  color: #8A99AD;
  margin: 15px auto;
  max-width: 960px;
  line-height: 1.6;
  text-align: justify;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  padding: 15px 0;
}

.disclaimer {
  font-size: 12px;
  color: #64748B;
  margin: 12px auto;
  max-width: 820px;
  line-height: 1.6;
}

/* Floating WhatsApp Button (Desktop) */
.floating-whatsapp {
  position: fixed;
  bottom: 25px;
  right: 25px;
  background-color: #25D366;
  color: #FFFFFF;
  width: 54px;
  height: 54px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.45);
  z-index: 999;
  transition: transform 0.25s ease;
}

.floating-whatsapp:hover {
  transform: scale(1.1);
}

/* Mobile Bottom Action Bar */
.mobile-bottom-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: #FFFFFF;
  border-top: 1px solid var(--border-color);
  box-shadow: 0 -4px 15px rgba(0, 0, 0, 0.08);
  z-index: 9999;
  padding: 8px 12px;
  gap: 10px;
}

.mobile-bar-btn {
  flex: 1;
  padding: 10px 0;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 700;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

.mobile-bar-call {
  background: #0A192F;
  color: #FFFFFF;
}

.mobile-bar-wa {
  background: #25D366;
  color: #FFFFFF;
}

/* Responsive Breakpoints */
@media (max-width: 1300px) {
  .sticky-qr-widget {
    right: 8px;
    width: 135px;
    padding: 10px 8px;
  }
  .sticky-qr-widget img {
    width: 105px;
    height: 105px;
  }
}

@media (max-width: 1024px) {
  .sticky-qr-widget {
    display: none;
  }
}

@media (max-width: 860px) {
  .calc-container { grid-template-columns: 1fr; padding: 25px; }
  .contact-map-grid { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .mobile-bottom-bar { display: flex; }
  .floating-whatsapp { display: none; }
}

@media (max-width: 600px) {
  .navbar { padding: 12px 16px; }
  .brand-logo-img { height: 38px; }
  .brand-title { font-size: 13.5px; }
  .brand-subtitle { font-size: 9.5px; }
  .btn-back { padding: 6px 10px; font-size: 12px; }
  .nav-actions .btn { padding: 6px 12px; font-size: 12px; }
  .feature-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 28px; }
  .hero-cta-btns .btn { width: 100%; }
  .contact-container { padding: 25px 18px; }
  .steps-ticker .step-card { flex: 0 0 290px; padding: 25px 18px; }
  .services-ticker .service-card { flex: 0 0 290px; padding: 25px 18px; }
}

/* Utility classes (replaces one-off inline style="" attributes) */
.text-green { color: #10B981; }
.btn-full-round { width: 100%; border-radius: 6px; }
.rounded-form-btn { width: 100%; padding: 13px; font-size: 15px; border-radius: 6px; }
.absolute-hidden { position: absolute; left: -9999px; }
.map-header-flex { display: flex; justify-content: space-between; align-items: center; }
.map-header-link { font-size: 12px; font-weight: 700; color: var(--axis-burgundy); white-space: nowrap; }
.footer-brand-line { font-weight: 700; color: #E2E8F0; margin-bottom: 8px; }
.footer-meta { font-size: 12.5px; margin: 6px 0; color: #94A3B8; }
.footer-copyright { font-size: 12.5px; margin-top: 10px; color: #94A3B8; }