/* ============================================================
   SSK FINSERV — Shared Stylesheet
   ============================================================ */
:root{
  --navy-950:#0A1526;
  --navy-900:#101F3B;
  --navy-800:#172B4D;
  --navy-700:#223A63;
  --blue-500:#4C6FA0;
  --blue-400:#7796C4;
  --silver-300:#C9CFDA;
  --silver-100:#EDEFF3;
  --paper-50:#F5F7FA;
  --paper-100:#EBEEF3;
  --ink-900:#10141C;
  --ink-600:#4B5468;
  --gold-500:#BD9350;
  --gold-400:#D8BB86;
  --line:rgba(16,32,61,.12);
  --success:#2E7D6B;
  --shadow-lg:0 24px 60px -20px rgba(10,21,38,.35);
  --shadow-sm:0 8px 24px -12px rgba(10,21,38,.25);
  --radius:14px;
  --ff-display:'Big Shoulders Display', sans-serif;
  --ff-body:'IBM Plex Sans', sans-serif;
  --ff-mono:'IBM Plex Mono', monospace;
}
*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;font-family:var(--ff-body);color:var(--ink-900);background:var(--paper-50);-webkit-font-smoothing:antialiased;line-height:1.5;}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul,dl{margin:0;padding:0;list-style:none;}
h1,h2,h3{font-family:var(--ff-display);font-weight:800;line-height:1.02;margin:0;letter-spacing:.2px;}
p{margin:0;}
button{font-family:inherit;cursor:pointer;background:none;border:none;color:inherit;}
input,select,textarea{font-family:inherit;font-size:15px;}
.container{max-width:1180px;margin:0 auto;padding:0 28px;}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy-900);color:#fff;padding:12px 18px;z-index:999;border-radius:0 0 8px 0;}
.skip-link:focus{left:0;}
:focus-visible{outline:2px solid var(--gold-500);outline-offset:3px;}

.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s cubic-bezier(.16,.8,.28,1), transform .7s cubic-bezier(.16,.8,.28,1);}
.reveal.is-visible{opacity:1;transform:none;}

/* -------- Buttons -------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:999px;font-weight:600;font-size:15px;transition:transform .25s ease, box-shadow .25s ease, background .25s ease;white-space:nowrap;position:relative;overflow:hidden;}
.btn--primary{background:var(--navy-900);color:#fff;box-shadow:var(--shadow-sm);}
.btn--primary::after{content:'';position:absolute;inset:0;background:linear-gradient(100deg,transparent 30%, rgba(216,187,134,.55) 50%, transparent 70%);transform:translateX(-120%);}
.btn--primary:hover::after{transform:translateX(120%);transition:transform .8s ease;}
.btn--primary:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);}
.btn--ghost{background:transparent;color:var(--navy-900);border:1.5px solid var(--line);}
.btn--ghost:hover{border-color:var(--navy-900);transform:translateY(-2px);}
.btn--lg{padding:16px 28px;font-size:16px;}
.btn--sm{padding:10px 18px;font-size:13.5px;}
.btn--block{width:100%;}

/* -------- Logo (SVG mark, no raster asset) -------- */
.logo-mark{width:34px;height:34px;flex-shrink:0;}
img.logo-mark{width:36px;height:36px;flex-shrink:0;object-fit:contain;background:#fff;border-radius:8px;padding:3px;}

/* -------- Header -------- */
.site-header{position:fixed;top:0;left:0;right:0;z-index:100;transition:background .35s ease, box-shadow .35s ease;}
.site-header.is-solid{background:#fff;box-shadow:0 2px 24px rgba(10,21,38,.08);}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 28px;gap:24px;}
.brand{display:flex;align-items:center;gap:12px;}
.brand-text{display:flex;flex-direction:column;line-height:1.15;}
.brand-name{font-family:var(--ff-display);font-weight:800;font-size:20px;letter-spacing:.5px;color:#fff;transition:color .35s ease;}
.brand-tag{font-family:var(--ff-mono);font-size:9.5px;letter-spacing:1.2px;text-transform:uppercase;color:var(--silver-300);transition:color .35s ease;}
.site-header.is-solid .brand-name{color:var(--navy-900);}
.site-header.is-solid .brand-tag{color:var(--ink-600);}

.main-nav{display:flex;align-items:center;gap:28px;}
.main-nav > li{position:relative;}
.main-nav a{font-size:14.5px;font-weight:500;color:#EDEFF3;position:relative;padding:6px 0;transition:color .3s ease;display:inline-flex;align-items:center;gap:5px;}
.main-nav a::after{content:'';position:absolute;left:0;bottom:-2px;width:0;height:2px;background:var(--gold-500);transition:width .3s ease;}
.main-nav a:hover::after{width:100%;}
.site-header.is-solid .main-nav a{color:var(--ink-900);}

.nav-dropdown{position:relative;}
.nav-dropdown-panel{position:absolute;top:100%;left:-16px;margin-top:14px;background:#fff;border-radius:12px;box-shadow:var(--shadow-lg);padding:10px;min-width:260px;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .22s ease, transform .22s ease, visibility .22s;}
.nav-dropdown:hover .nav-dropdown-panel,
.nav-dropdown:focus-within .nav-dropdown-panel{opacity:1;visibility:visible;transform:translateY(0);}
.nav-dropdown-panel a{display:flex;flex-direction:column;align-items:flex-start;gap:1px;padding:10px 12px;border-radius:8px;color:var(--ink-900)!important;font-weight:600;font-size:14px;}
.nav-dropdown-panel a::after{display:none;}
.nav-dropdown-panel a small{font-weight:400;font-size:12px;color:var(--ink-600);font-family:var(--ff-body);}
.nav-dropdown-panel a:hover{background:var(--paper-100);}
.nav-caret{width:9px;height:9px;transition:transform .25s ease;}
.nav-dropdown:hover .nav-caret,.nav-dropdown:focus-within .nav-caret{transform:rotate(180deg);}

.header-cta{display:flex;align-items:center;gap:18px;}
.header-phone{display:flex;align-items:center;gap:6px;font-family:var(--ff-mono);font-size:13px;color:#EDEFF3;transition:color .3s ease;}
.site-header.is-solid .header-phone{color:var(--ink-900);}

.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:34px;height:34px;}
.nav-toggle span{display:block;width:100%;height:2px;background:#fff;transition:transform .3s ease, opacity .3s ease, background .3s ease;}
.site-header.is-solid .nav-toggle span{background:var(--navy-900);}
.nav-toggle.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.nav-toggle.is-open span:nth-child(2){opacity:0;}
.nav-toggle.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

.mobile-nav{display:none;flex-direction:column;gap:2px;background:var(--navy-900);padding:0 28px;max-height:0;overflow:hidden;transition:max-height .4s ease, padding .4s ease;}
.mobile-nav a{color:#fff;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:15px;}
.mobile-nav .mobile-nav-sub{padding-left:14px;color:var(--silver-300);font-size:14px;}
.mobile-nav.is-open{max-height:640px;padding:10px 28px 20px;}
.mobile-nav .btn{margin-top:14px;}

/* -------- Hero (home) -------- */
.hero{position:relative;padding:160px 0 110px;overflow:hidden;color:#fff;}
.hero-bg{position:absolute;inset:0;background:radial-gradient(1100px 700px at 82% -10%, rgba(119,150,196,.35), transparent 60%),linear-gradient(160deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-800) 100%);z-index:-1;}
.hero-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center;}
.eyebrow{font-family:var(--ff-mono);font-size:12.5px;letter-spacing:1.6px;text-transform:uppercase;color:var(--gold-400);margin-bottom:18px;}
.hero h1{font-size:clamp(40px,5.4vw,66px);color:#fff;}
.hero h1 .line{display:block;}
.hero h1 em{font-style:normal;color:var(--gold-400);}
.hero-sub{margin-top:22px;font-size:17px;line-height:1.65;color:var(--silver-300);max-width:520px;}
.hero-actions{display:flex;gap:16px;margin-top:34px;flex-wrap:wrap;}
.hero .btn--ghost{color:#fff;border-color:rgba(255,255,255,.28);}
.hero .btn--ghost:hover{border-color:#fff;}
.hero-stats{display:grid;grid-template-columns:repeat(4,auto);gap:34px;margin-top:56px;padding-top:34px;border-top:1px solid rgba(255,255,255,.14);}
.stat-num{font-family:var(--ff-mono);font-size:26px;font-weight:600;color:#fff;}
.hero-stats dd{font-size:12.5px;color:var(--silver-300);margin-top:4px;max-width:110px;}
.hero-art{position:relative;height:420px;--mark:clamp(120px,14vw,172px);--ring-1:calc(var(--mark) * 1.45);--ring-2:calc(var(--mark) * 1.92);--step:.15s;}
.mark-stage{position:relative;width:100%;height:calc(var(--ring-2) + 96px);display:flex;align-items:center;justify-content:center;}
.mark-plate{position:relative;z-index:2;width:var(--mark);height:var(--mark);border-radius:calc(var(--mark) * .15);background:linear-gradient(150deg,rgba(255,255,255,.98),rgba(226,236,248,.9));display:grid;place-items:center;box-shadow:0 34px 60px -26px rgba(6,16,32,.75),0 0 0 1px rgba(255,255,255,.35) inset;opacity:0;transform:translateY(18px) scale(.94);animation:markIn .8s cubic-bezier(.16,.8,.28,1) forwards;animation-delay:calc(var(--step) * 2);}
.mark-plate img{width:64%;height:64%;object-fit:contain;}
.mark-ring{position:absolute;top:50%;left:50%;border-radius:50%;border:1px solid rgba(255,255,255,.16);opacity:0;transform:translate(-50%,-50%);animation:ringIn .9s ease forwards;}
.mark-ring--1{width:var(--ring-1);height:var(--ring-1);animation-delay:calc(var(--step) * 3);}
.mark-ring--2{width:var(--ring-2);height:var(--ring-2);border-style:dashed;border-color:rgba(212,175,101,.28);animation-delay:calc(var(--step) * 4);}
.mark-chip{position:absolute;z-index:3;font-family:var(--ff-mono);font-size:clamp(9.5px,1vw,11px);letter-spacing:1.1px;text-transform:uppercase;color:#fff;padding:.7em 1.2em;border-radius:999px;background:rgba(14,28,50,.72);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(8px);white-space:nowrap;opacity:0;transform:translateY(10px);animation:fadeUp .55s ease forwards;}
.mark-chip--1{top:calc(50% - var(--ring-2) / 2 - 14px);left:50%;margin-left:calc(var(--ring-2) / -2 + 4px);animation-delay:calc(var(--step) * 5);}
.mark-chip--2{top:calc(50% - 14px);left:50%;margin-left:calc(var(--ring-2) / 2 - 62px);animation-delay:calc(var(--step) * 6);}
.mark-chip--3{top:calc(50% + var(--ring-2) / 2 - 8px);left:50%;margin-left:calc(var(--ring-2) / -2 + 12px);animation-delay:calc(var(--step) * 7);}

@keyframes markIn{to{opacity:1;transform:none;}}
@keyframes ringIn{to{opacity:1;}}

.stamp{position:absolute;right:6px;bottom:8px;display:flex;flex-direction:column;align-items:center;gap:8px;opacity:0;animation:stampIn .6s ease forwards;animation-delay:calc(var(--step) * 8);}
@keyframes stampIn{to{opacity:1;}}
.stamp-svg{width:clamp(72px,9vw,110px);height:auto;}
.stamp-circle{fill:none;stroke:var(--gold-400);stroke-width:2.5;stroke-dasharray:327;stroke-dashoffset:327;animation:drawRing 1s ease forwards;animation-delay:calc(var(--step) * 9);}
.stamp-check{fill:none;stroke:var(--gold-400);stroke-width:5;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:70;stroke-dashoffset:70;animation:drawCheck .5s ease forwards;animation-delay:calc(var(--step) * 11);}
@keyframes drawRing{to{stroke-dashoffset:0;}}
@keyframes drawCheck{to{stroke-dashoffset:0;}}
.stamp-label{font-family:var(--ff-mono);font-size:clamp(9.5px,1vw,11px);letter-spacing:1.4px;text-transform:uppercase;color:var(--gold-400);opacity:0;animation:fadeUp .5s ease forwards;animation-delay:calc(var(--step) * 12);}

@keyframes fadeUp{from{opacity:0;transform:translateY(6px);}to{opacity:1;transform:none;}}

/* -------- Sub-page hero (breadcrumb hero) -------- */
.subhero{position:relative;padding:150px 0 70px;overflow:hidden;color:#fff;}
.subhero-bg{position:absolute;inset:0;background:radial-gradient(900px 500px at 85% -10%, rgba(119,150,196,.3), transparent 60%),linear-gradient(160deg, var(--navy-950) 0%, var(--navy-900) 60%, var(--navy-800) 100%);z-index:-1;}
.breadcrumb{display:flex;align-items:center;gap:8px;font-family:var(--ff-mono);font-size:12px;color:var(--silver-300);margin-bottom:22px;flex-wrap:wrap;}
.breadcrumb a{color:var(--silver-300);transition:color .25s ease;}
.breadcrumb a:hover{color:var(--gold-400);}
.breadcrumb span[aria-current]{color:var(--gold-400);}
.subhero h1{font-size:clamp(34px,4.4vw,52px);color:#fff;max-width:760px;}
.subhero-sub{margin-top:18px;font-size:16.5px;line-height:1.65;color:var(--silver-300);max-width:620px;}
.subhero-actions{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap;}
.subhero .btn--ghost{color:#fff;border-color:rgba(255,255,255,.28);}

/* -------- Section shared -------- */
.section-head{max-width:640px;margin-bottom:52px;}
.section-head--light .eyebrow{color:var(--gold-500);}
.section-sub{margin-top:14px;font-size:16px;color:var(--ink-600);line-height:1.65;}
section.services, section.testimonials, section.benefits, section.docs{padding:100px 0;}
section.why{padding:100px 0;background:var(--paper-100);}
section.process, section.faq{padding:100px 0;background:var(--navy-900);color:#fff;}
section.process .section-sub, section.faq .section-sub{color:var(--silver-300);}
section.contact{padding:100px 0;}
.services .eyebrow{color:var(--gold-500);}

/* -------- Services ledger -------- */
.ledger{border-top:1px solid var(--line);}
.ledger-row{display:grid;grid-template-columns:70px 56px 1fr 40px;align-items:center;gap:26px;padding:26px 18px;border-bottom:1px solid var(--line);transition:background .3s ease;border-radius:10px;}
.ledger-row:hover{background:#fff;box-shadow:var(--shadow-sm);}
.ledger-code{font-family:var(--ff-mono);font-size:12.5px;color:var(--ink-600);letter-spacing:.5px;}
.ledger-icon{width:56px;height:56px;border-radius:12px;background:var(--paper-100);display:flex;align-items:center;justify-content:center;color:var(--navy-800);transition:background .3s ease, color .3s ease, transform .3s ease;}
.ledger-row:hover .ledger-icon{background:var(--navy-900);color:var(--gold-400);transform:scale(1.06);}
.ledger-body h3{font-size:21px;margin-bottom:6px;}
.ledger-body p{color:var(--ink-600);font-size:14.5px;line-height:1.6;max-width:640px;}
.ledger-arrow{width:40px;height:40px;border-radius:50%;border:1.5px solid var(--line);display:flex;align-items:center;justify-content:center;transition:transform .3s ease, background .3s ease, border-color .3s ease, color .3s ease;flex-shrink:0;}
.ledger-row:hover .ledger-arrow{background:var(--gold-500);border-color:var(--gold-500);color:#fff;transform:translateX(4px);}

/* -------- Benefits grid (sub-pages) -------- */
.benefits-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
.benefit-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:transform .3s ease, box-shadow .3s ease, border-color .3s ease;}
.benefit-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-sm);border-color:transparent;}
.benefit-icon{width:44px;height:44px;border-radius:10px;background:var(--paper-100);display:flex;align-items:center;justify-content:center;color:var(--gold-500);margin-bottom:16px;}
.benefit-card h3{font-size:18px;margin-bottom:8px;color:var(--navy-950);}
.benefit-card p{font-size:14.5px;color:var(--ink-600);line-height:1.6;}

/* -------- Documents checklist -------- */
section.docs{background:var(--paper-100);}
.docs-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start;}
.docs-list{display:grid;gap:14px;}
.docs-list li{display:flex;align-items:flex-start;gap:12px;font-size:15px;color:var(--ink-900);background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 16px;}
.docs-list svg{flex-shrink:0;color:var(--success);margin-top:1px;}
.docs-note{background:var(--navy-900);color:#fff;border-radius:var(--radius);padding:30px;}
.docs-note h3{font-size:19px;margin-bottom:10px;}
.docs-note p{font-size:14.5px;color:var(--silver-300);line-height:1.65;margin-bottom:20px;}

/* -------- Process steps -------- */
.steps{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:36px;margin-top:20px;}
.steps-line{position:absolute;top:26px;left:6%;right:6%;height:2px;background:rgba(255,255,255,.14);z-index:0;}
.steps-line-fill{display:block;height:100%;width:100%;background:var(--gold-500);transform:scaleX(0);transform-origin:left;transition:transform 1.1s cubic-bezier(.16,.8,.28,1);}
.step{position:relative;z-index:1;}
.step-num{font-family:var(--ff-mono);font-size:15px;color:var(--gold-400);background:var(--navy-900);border:2px solid var(--gold-500);width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.step h3{font-size:19px;color:#fff;margin-bottom:8px;}
.step p{font-size:14.5px;color:var(--silver-300);line-height:1.6;}

/* -------- Why -------- */
.why-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start;}
.why-copy h2{font-size:clamp(28px,3.4vw,38px);margin-top:16px;color:var(--navy-950);}
.why-copy .btn{margin-top:28px;}
.why-list{display:grid;gap:26px;}
.why-item{display:flex;gap:18px;align-items:flex-start;}
.why-icon{flex-shrink:0;width:46px;height:46px;border-radius:12px;background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;color:var(--gold-500);}
.why-item h3{font-size:17px;margin-bottom:6px;color:var(--navy-950);}
.why-item p{font-size:14.5px;color:var(--ink-600);line-height:1.6;}

/* -------- Testimonials -------- */
.carousel{max-width:760px;margin:0 auto;overflow:hidden;}
.carousel-track{display:flex;transition:transform .6s cubic-bezier(.16,.8,.28,1);}
.quote{flex:0 0 100%;padding:0 8px;text-align:center;}
.quote blockquote{font-family:var(--ff-display);font-weight:600;font-size:clamp(20px,2.6vw,27px);line-height:1.4;color:var(--navy-950);margin:0;}
.quote figcaption{margin-top:22px;font-size:13.5px;color:var(--ink-600);font-family:var(--ff-mono);}
.carousel-dots{display:flex;justify-content:center;gap:9px;margin-top:36px;}
.dot{width:8px;height:8px;border-radius:50%;background:var(--line);transition:background .3s ease, transform .3s ease;}
.dot.is-active{background:var(--gold-500);transform:scale(1.3);}

/* -------- FAQ accordion -------- */
.accordion{border-top:1px solid rgba(255,255,255,.14);}
.acc-item{border-bottom:1px solid rgba(255,255,255,.14);}
.acc-trigger{width:100%;display:flex;align-items:center;justify-content:space-between;padding:22px 4px;text-align:left;font-size:16.5px;font-weight:600;color:#fff;}
.acc-icon{font-family:var(--ff-mono);font-size:20px;color:var(--gold-400);transition:transform .3s ease;flex-shrink:0;margin-left:20px;}
.acc-item.is-open .acc-icon{transform:rotate(45deg);}
.acc-panel{max-height:0;overflow:hidden;transition:max-height .35s ease;}
.acc-panel p{padding:0 4px 22px;color:var(--silver-300);font-size:14.5px;line-height:1.65;max-width:720px;}

/* -------- CTA banner (sub-pages) -------- */
.cta-banner{background:linear-gradient(120deg,var(--navy-900),var(--navy-800));border-radius:20px;padding:52px 44px;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;color:#fff;position:relative;overflow:hidden;}
.cta-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(500px 260px at 90% 0%, rgba(189,147,80,.25), transparent 65%);}
.cta-banner-copy{position:relative;max-width:520px;}
.cta-banner h2{font-size:clamp(24px,2.8vw,32px);color:#fff;}
.cta-banner p{margin-top:10px;color:var(--silver-300);font-size:15px;}
.cta-banner-actions{position:relative;display:flex;gap:14px;flex-wrap:wrap;}
.cta-banner .btn--ghost{color:#fff;border-color:rgba(255,255,255,.3);}

/* -------- Contact -------- */
.contact-inner{display:grid;grid-template-columns:.85fr 1.15fr;gap:64px;align-items:start;}
.contact-copy h2{font-size:clamp(28px,3.4vw,38px);margin-top:16px;color:var(--navy-950);}
.contact-points{margin-top:32px;display:grid;gap:16px;}
.contact-points li{display:flex;align-items:flex-start;gap:12px;font-size:14.5px;color:var(--ink-600);line-height:1.55;}
.contact-points svg{color:var(--gold-500);flex-shrink:0;margin-top:2px;}
.contact-map{margin-top:28px;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);height:220px;}
.contact-map iframe{width:100%;height:100%;border:0;display:block;}

.inquiry-form{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow-sm);display:grid;gap:20px;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.field{position:relative;}
.field input, .field select, .field textarea{width:100%;padding:16px 14px 8px;border:1.5px solid var(--line);border-radius:9px;background:var(--paper-50);transition:border-color .25s ease, background .25s ease;resize:vertical;}
.field input:focus, .field select:focus, .field textarea:focus{outline:none;border-color:var(--gold-500);background:#fff;}
.field label{position:absolute;left:14px;top:16px;font-size:15px;color:var(--ink-600);pointer-events:none;transition:transform .2s ease, font-size .2s ease, color .2s ease, top .2s ease;transform-origin:left top;}
.field input:focus + label,.field input:not(:placeholder-shown) + label,.field textarea:focus + label,.field textarea:not(:placeholder-shown) + label{top:7px;font-size:11px;color:var(--gold-500);font-family:var(--ff-mono);letter-spacing:.4px;}
.field select{color:var(--ink-900);appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14'%3E%3Cpath d='M2 4l5 5 5-5' stroke='%234B5468' stroke-width='1.6' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;}
.label-select{position:absolute;left:14px;top:-9px;font-size:11px;background:#fff;padding:0 6px;color:var(--gold-500);font-family:var(--ff-mono);letter-spacing:.4px;}

.btn-spinner{display:none;width:16px;height:16px;border-radius:50%;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;animation:spin .7s linear infinite;}
.btn--primary.is-loading .btn-label{opacity:.6;}
.btn--primary.is-loading .btn-spinner{display:inline-block;}
@keyframes spin{to{transform:rotate(360deg);}}
.form-note{font-size:12.5px;color:var(--ink-600);text-align:center;margin-top:-6px;}

.form-success{position:absolute;inset:0;background:#fff;border-radius:var(--radius);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;text-align:center;padding:30px;opacity:0;pointer-events:none;transition:opacity .4s ease;}
.form-success.is-visible{opacity:1;pointer-events:auto;}
.success-circle{fill:none;stroke:var(--success);stroke-width:2.5;stroke-dasharray:170;stroke-dashoffset:170;}
.success-check{fill:none;stroke:var(--success);stroke-width:5;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:40;stroke-dashoffset:40;}
.form-success.is-visible .success-circle{animation:drawRing .6s ease forwards;}
.form-success.is-visible .success-check{animation:drawCheck .4s ease forwards;animation-delay:.5s;}
.form-success p{color:var(--ink-900);font-size:14.5px;max-width:280px;}

/* -------- Footer -------- */
.site-footer{background:var(--navy-950);color:var(--silver-300);padding:70px 0 0;}
.footer-inner{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,.1);}
.footer-brand{display:flex;gap:14px;align-items:flex-start;}
.footer-name{font-family:var(--ff-display);font-weight:800;font-size:19px;letter-spacing:.5px;color:#fff;}
.footer-tag{font-size:13px;margin-top:6px;max-width:230px;line-height:1.5;}
.footer-col h4{font-family:var(--ff-mono);font-size:11.5px;letter-spacing:1.2px;text-transform:uppercase;color:#fff;margin-bottom:16px;}
.footer-col a, .footer-col p{display:block;font-size:14px;margin-bottom:11px;color:var(--silver-300);transition:color .25s ease;}
.footer-col a:hover{color:var(--gold-400);}
.footer-note{opacity:.75;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding:24px 28px;font-size:12.5px;flex-wrap:wrap;gap:10px;}
.footer-legal{opacity:.55;max-width:460px;text-align:right;}

/* -------- WhatsApp FAB -------- */
.whatsapp-fab{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:#25D366;color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 12px 28px -8px rgba(37,211,102,.6);z-index:90;animation:pulse 2.4s ease infinite;}
@keyframes pulse{0%,100%{box-shadow:0 12px 28px -8px rgba(37,211,102,.6);}50%{box-shadow:0 12px 34px -4px rgba(37,211,102,.85);}}

/* -------- Responsive -------- */
@media (max-width:960px){
  .main-nav, .header-cta{display:none;}
  .nav-toggle{display:flex;}
  .mobile-nav{display:flex;}
  .hero-inner{grid-template-columns:1fr;}
  .hero-art{height:auto;margin-top:20px;--mark:clamp(112px,26vw,150px);}
  .hero-stats{grid-template-columns:repeat(2,1fr);row-gap:24px;}
  .why-grid, .contact-inner, .docs-grid{grid-template-columns:1fr;}
  .benefits-grid{grid-template-columns:1fr;}
  .steps{grid-template-columns:repeat(2,1fr);row-gap:44px;}
  .steps-line{display:none;}
  .footer-inner{grid-template-columns:1fr 1fr;}
}
@media (max-width:640px){
  .container{padding:0 20px;}
  .hero{padding:130px 0 80px;}
  .subhero{padding:120px 0 50px;}
  .ledger-row{grid-template-columns:1fr;gap:14px;text-align:left;}
  .ledger-icon{margin-bottom:2px;}
  .ledger-arrow{justify-self:start;}
  .field-row{grid-template-columns:1fr;}
  .footer-inner{grid-template-columns:1fr;}
  .footer-bottom{flex-direction:column;align-items:flex-start;}
  .footer-legal{text-align:left;}
  .hero-stats{grid-template-columns:1fr 1fr;}
  .cta-banner{padding:34px 26px;}
}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto;}
  .mark-plate, .mark-ring, .mark-chip, .stamp, .stamp-circle, .stamp-check, .stamp-label{animation:none !important;opacity:1 !important;transform:none !important;stroke-dashoffset:0 !important;}
}

/* Inquiry form error state */
.form-error{
  display:none;
  margin-top:12px;
  padding:10px 14px;
  border-radius:10px;
  border:1px solid rgba(200,40,40,.35);
  background:rgba(200,40,40,.08);
  color:#b3261e;
  font-size:.9rem;
  line-height:1.45;
}
.form-error.is-visible{display:block;}

/* Honeypot field — hidden from humans, visible to naive bots */
.hp-field{
  position:absolute !important;
  left:-9999px;
  width:1px;height:1px;
  overflow:hidden;
  opacity:0;
  pointer-events:none;
}


/* Human-check challenge (shown only for suspicious submissions) */
.captcha-block{ margin:14px 0 4px; }
.captcha-block .captcha-prompt{ font-size:13px; margin:0 0 8px; opacity:.85; }
.captcha-block .field label{ font-size:14px; }

}

/* ============ SIP CALCULATOR ============ */
.sipcalc{display:grid;gap:22px;margin:24px 0 18px;}
.sipcalc-field label{display:block;font-size:13px;font-weight:600;letter-spacing:.02em;color:var(--navy-950);margin-bottom:8px;}
.sipcalc-input{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--silver-300);border-radius:12px;padding:10px 14px;transition:border-color .2s ease,box-shadow .2s ease;}
.sipcalc-input:focus-within{border-color:var(--navy-900);box-shadow:0 0 0 3px rgba(16,36,72,.10);}
.sipcalc-input input{flex:1;min-width:0;border:0;outline:0;background:transparent;font:600 18px/1.2 inherit;color:var(--navy-950);-moz-appearance:textfield;}
.sipcalc-input input::-webkit-outer-spin-button,.sipcalc-input input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0;}
.sipcalc-prefix,.sipcalc-suffix{font-size:14px;font-weight:600;color:var(--slate-500,#64748b);}
.sipcalc-range{-webkit-appearance:none;appearance:none;width:100%;height:4px;margin-top:12px;border-radius:99px;background:var(--silver-300);outline:0;cursor:pointer;}
.sipcalc-range::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:18px;height:18px;border-radius:50%;background:var(--navy-900);border:3px solid #fff;box-shadow:0 1px 6px rgba(16,36,72,.35);cursor:pointer;}
.sipcalc-range::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:var(--navy-900);border:3px solid #fff;box-shadow:0 1px 6px rgba(16,36,72,.35);cursor:pointer;}
.sipcalc-range:focus-visible{box-shadow:0 0 0 3px rgba(16,36,72,.15);}
.sipcalc-disclaimer{font-size:13px;}
.sipcalc-result{margin-bottom:22px;}
.sipcalc-total-label{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--silver-300);margin-bottom:6px;}
.sipcalc-total{font-size:clamp(28px,4vw,38px);font-weight:700;line-height:1.1;color:#fff;margin-bottom:18px;}
.sipcalc-breakdown{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:18px;}
.sipcalc-breakdown dt{font-size:12.5px;color:var(--silver-300);margin-bottom:4px;}
.sipcalc-breakdown dd{font-size:17px;font-weight:600;color:#fff;}
.sipcalc-bar{height:8px;border-radius:99px;background:rgba(255,255,255,.16);overflow:hidden;}
.sipcalc-bar-fill{display:block;height:100%;border-radius:99px;background:#fff;transition:width .35s ease;}
.sipcalc-bar-key{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--silver-300);margin-top:10px;}
.sipcalc-key{width:9px;height:9px;border-radius:50%;display:inline-block;}
.sipcalc-key--invested{background:#fff;}
.sipcalc-key--gains{background:rgba(255,255,255,.28);margin-left:10px;}
@media (prefers-reduced-motion: reduce){.sipcalc-bar-fill{transition:none;}}