@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');

:root {
    --primary: #183b73;
    --gold: #cf9336;
    --ink: #152b49;
    --muted: #68778c;
    --pale: #f4f7fb;
    --line: #e5eaf1;
    --white: #fff;
    --radius: 20px
}

* {
    box-sizing: border-box
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 90px
}

body {
    margin: 0;
    font-family: 'DM Sans', sans-serif;
    color: var(--ink);
    background: #fff;
    line-height: 1.65
}

h1,
h2,
h3,
h4 {
    font-family: Manrope, sans-serif;
    line-height: 1.17;
    letter-spacing: -.04em;
    margin: 0
}

h1 {
    font-size: clamp(2.8rem, 5.4vw, 5.4rem);
    font-weight: 800
}

h2 {
    font-size: clamp(2rem, 3.5vw, 3.4rem)
}

h3 {
    font-size: 1.3rem
}

p {
    color: var(--muted)
}

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

button,
input,
select,
textarea {
    font: inherit
}

button {
    cursor: pointer
}

img {
    max-width: 100%;
    display: block
}

.container {
    width: min(1180px, calc(100% - 44px));
    margin: auto
}

.skip {
    position: absolute;
    top: -100px;
    left: 12px;
    z-index: 100;
    background: white;
    padding: 12px
}

.skip:focus {
    top: 12px
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 30;
    background: #ffffffed;
    backdrop-filter: blur(18px);
    border-bottom: 1px solid #edf0f5
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    min-height: 86px
}

.brand {
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 195px
}

.brand strong {
    display: block;
    font: 800 1.1rem Manrope;
    line-height: 1.1;
    color: var(--primary)
}

.brand small {
    font-size: .62rem;
    letter-spacing: .02em;
    color: var(--muted)
}

nav {
    display: flex;
    align-items: center;
    gap: 23px
}

nav a {
    font-size: .85rem;
    font-weight: 700;
    color: #45566f;
    transition: color .2s
}

nav a:hover {
    color: var(--gold)
}

.btn {
    border: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 14px;
    background: var(--primary);
    color: white;
    padding: 15px 23px;
    border-radius: 10px;
    font-weight: 700;
    font-size: .92rem;
    transition: transform .25s, background .25s, box-shadow .25s
}

.btn:hover {
    transform: translateY(-3px);
    background: #0e2c5c;
    box-shadow: 0 14px 25px #183b7329
}

.btn-small {
    padding: 12px 17px;
    white-space: nowrap
}

.btn-outline {
    background: transparent;
    border: 1px solid #cdd8e6;
    color: var(--primary)
}

.btn-outline:hover {
    color: #fff
}

.menu-toggle {
    display: none;
    border: 0;
    background: none;
    font-size: 1.7rem;
    color: var(--primary)
}

.eyebrow {
    display: flex;
    align-items: center;
    gap: 11px;
    font-size: .76rem;
    letter-spacing: .16em;
    font-weight: 800;
    color: var(--gold);
    text-transform: uppercase;
    margin-bottom: 22px
}

.eyebrow:before {
    content: '';
    width: 24px;
    height: 2px;
    background: currentColor
}

.hero {
    position: relative;
    overflow: hidden;
    background: radial-gradient(circle at 85% 20%, #e4edfb 0, transparent 45%), linear-gradient(135deg, #f8fafc, #fff);
    padding: 88px 0 100px
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.07fr .93fr;
    align-items: center;
    gap: 55px
}

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

.hero-copy>p {
    font-size: 1.12rem;
    max-width: 560px;
    margin: 25px 0 32px
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px
}

.hero-stats {
    display: flex;
    gap: 44px;
    margin-top: 58px;
    padding-top: 24px;
    border-top: 1px solid #dce4ee
}

.hero-stats strong {
    font: 800 2rem Manrope;
    color: var(--primary)
}

.hero-stats span {
    display: block;
    font-size: .8rem;
    color: var(--muted)
}

.hero-visual {
    position: relative
}

.hero-visual:before {
    content: '';
    position: absolute;
    inset: 8% -5% -6% 12%;
    border-radius: 50%;
    background: #e9eff8;
    filter: blur(18px)
}

.hero-visual img {
    position: relative;
    width: 100%;
    filter: drop-shadow(0 28px 25px #1c3c6a20);
    animation: float 7s ease-in-out infinite
}

@keyframes float {
    50% {
        transform: translateY(-16px)
    }
}

.section {
    padding: 110px 0
}

.light-section {
    background: var(--pale)
}

.section-head {
    max-width: 680px;
    margin-bottom: 45px
}

.section-head p {
    font-size: 1.05rem
}

.why-grid,
.service-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px
}

.feature-card,
.service-card,
.testimonial-card {
    background: white;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 28px;
    transition: transform .3s, box-shadow .3s, border-color .3s
}

.feature-card:hover,
.service-card:hover {
    transform: translateY(-7px);
    box-shadow: 0 18px 45px #1c3c6a13;
    border-color: #d1dce9
}

.icon-box {
    width: 55px;
    height: 55px;
    border-radius: 15px;
    background: #f2e6d2;
    display: grid;
    place-items: center;
    margin-bottom: 26px
}

.icon-box img {
    width: 28px;
    height: 28px
}

.feature-card p,
.service-card p {
    font-size: .9rem
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    align-items: center;
    gap: 90px
}

.about-visual {
    background: #f3f7fb;
    border-radius: 32px;
    padding: 28px
}

.about-visual img {
    width: 100%
}

.about-copy>p {
    font-size: 1.05rem
}

.check-list {
    list-style: none;
    padding: 0;
    margin: 28px 0
}

.check-list li {
    margin: 13px 0;
    font-weight: 700
}

.check-list li:before {
    content: '✓';
    color: var(--gold);
    margin-right: 12px
}

.service-grid {
    grid-template-columns: repeat(2, 1fr)
}

.service-card {
    padding: 35px
}

.service-card .points {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
    margin: 24px 0
}

.points span {
    font-size: .78rem;
    color: var(--primary);
    background: #f0f4fa;
    border-radius: 100px;
    padding: 6px 11px
}

.text-link {
    font-weight: 800;
    color: var(--primary)
}

.cta-section {
    padding: 35px 0;
    background: #fff
}

.cta-panel {
    position: relative;
    overflow: hidden;
    border-radius: 30px;
    padding: 65px 8%;
    background: linear-gradient(110deg, #112d59, #234d86);
    color: #fff;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 40px
}

.cta-panel:after {
    content: '';
    position: absolute;
    width: 330px;
    height: 330px;
    border: 1px solid #ffffff25;
    border-radius: 50%;
    right: -120px;
    top: -140px
}

.cta-panel h2 {
    max-width: 610px
}

.cta-panel p {
    color: #d7e3f3
}

.cta-panel .btn {
    background: var(--gold);
    color: #10284a;
    white-space: nowrap
}

.cta-panel .eyebrow {
    color: #f2bd67
}

.calculator-shell {
    border: 1px solid var(--line);
    border-radius: 24px;
    background: white;
    padding: 36px;
    box-shadow: 0 16px 60px #183b730a
}

.tabs {
    display: flex;
    gap: 10px;
    margin-bottom: 30px
}

.tab {
    border: 1px solid var(--line);
    background: white;
    border-radius: 100px;
    padding: 10px 22px;
    color: var(--muted);
    font-weight: 800
}

.tab.active {
    background: var(--primary);
    border-color: var(--primary);
    color: white
}

.calc-intro {
    margin-bottom: 30px
}

.calc-intro p {
    margin: 8px 0
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1.2fr .8fr;
    gap: 75px
}

.control {
    margin-bottom: 32px
}

.control-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    margin-bottom: 16px
}

.control label {
    font-weight: 700;
    color: #4a5c76
}

.control input[type=number] {
    width: 155px;
    border: 1px solid #dbe5f0;
    border-radius: 8px;
    background: #f4f8fc;
    color: var(--primary);
    font-weight: 800;
    padding: 9px 12px;
    text-align: right
}

.control input[type=range] {
    width: 100%;
    accent-color: var(--gold);
    cursor: pointer
}

.calc-results {
    margin-top: 26px;
    border-top: 1px solid var(--line);
    padding-top: 22px
}

.result-row {
    display: flex;
    justify-content: space-between;
    gap: 15px;
    margin: 13px 0;
    font-size: .95rem
}

.result-row strong {
    color: var(--primary)
}

.result-row.total {
    border-top: 1px solid var(--line);
    padding-top: 15px;
    font-weight: 800;
    font-size: 1.12rem
}

.calc-right {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 34px
}

.legend {
    display: flex;
    gap: 18px;
    flex-wrap: wrap;
    font-size: .75rem;
    color: var(--muted)
}

.legend>span {
    display: flex;
    align-items: center;
    gap: 6px
}

.dot {
    display: inline-block;
    width: 12px;
    height: 12px;
    border-radius: 50%
}

.invested {
    background: #e8edf7
}

.gain {
    background: #cf9336
}

.donut {
    width: min(280px, 100%);
    aspect-ratio: 1;
    border-radius: 50%;
    background: conic-gradient(var(--gold) 0 35%, #e8edf7 35% 100%);
    display: grid;
    place-items: center;
    transition: background .25s
}

.donut-center {
    width: 70%;
    height: 70%;
    background: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    text-align: center;
    padding: 15px
}

.donut-center small {
    color: var(--muted)
}

.donut-center strong {
    font: 800 clamp(1.1rem, 2.2vw, 1.8rem) Manrope;
    color: var(--primary)
}

.calc-disclaimer {
    font-size: .78rem;
    margin-top: 32px
}

.testimonial-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px
}

.testimonial-card blockquote {
    margin: 0 0 20px;
    color: var(--ink)
}

.testimonial-card strong {
    color: var(--primary)
}

.empty-testimonial {
    padding: 30px;
    border: 1px dashed #ccd6e3;
    border-radius: 16px;
    color: var(--muted)
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 90px
}

.contact-details {
    margin-top: 34px
}

.contact-details>div {
    margin-bottom: 20px
}

.contact-details strong {
    display: block;
    color: var(--primary)
}

.contact-details a {
    overflow-wrap: anywhere
}

.contact-card {
    padding: 38px;
    border-radius: 24px;
    background: var(--pale);
    border: 1px solid var(--line)
}

.contact-card>p {
    font-size: .9rem
}

.contact-card form {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-top: 20px
}

.contact-card label {
    font-weight: 700;
    font-size: .82rem;
    margin-top: 9px
}

.contact-card input,
.contact-card select,
.contact-card textarea {
    background: white;
    border: 1px solid #dce4ef;
    border-radius: 9px;
    padding: 13px;
    outline: none;
    width: 100%
}

.contact-card input:focus,
.contact-card select:focus,
.contact-card textarea:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px #cf933625
}

.form-submit {
    margin-top: 15px
}

.form-status {
    font-size: .85rem;
    margin: 0
}

.site-footer {
    background: #102b52;
    color: #fff;
    padding: 65px 0 24px
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr;
    gap: 40px
}

.site-footer h4 {
    margin-bottom: 17px
}

.site-footer p,
.site-footer a,
.site-footer li {
    color: #c3d0e2;
    font-size: .87rem
}

.site-footer ul {
    list-style: none;
    margin: 0;
    padding: 0
}

.site-footer li {
    margin-bottom: 9px
}

.footer-bottom {
    border-top: 1px solid #ffffff25;
    margin-top: 40px;
    padding-top: 22px;
    display: flex;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
    font-size: .8rem;
    color: #c3d0e2
}

.legal-note {
    font-size: .76rem;
    margin-top: 25px;
    color: #c3d0e2
}

.reveal {
    opacity: 0;
    transform: translateY(22px);
    transition: opacity .7s, transform .7s
}

.reveal.visible {
    opacity: 1;
    transform: none
}

#cursor,
#cursor-ring {
    pointer-events: none;
    position: fixed;
    z-index: 1000;
    border-radius: 50%;
    top: 0;
    left: 0;
    transform: translate(-50%, -50%);
    opacity: 0
}

#cursor {
    width: 8px;
    height: 8px;
    background: var(--gold)
}

#cursor-ring {
    width: 32px;
    height: 32px;
    border: 1.5px solid var(--gold);
    transition: width .2s, height .2s
}

body.cursor-active #cursor,
body.cursor-active #cursor-ring {
    opacity: 1
}

body.cursor-hover #cursor-ring {
    width: 52px;
    height: 52px
}

@media(hover:hover) and (pointer:fine) {

    body,
    button,
    a,
    input,
    select,
    textarea {
        cursor: none
    }
}

@media(max-width:1020px) {
    nav {
        gap: 12px
    }

    .header-cta {
        display: none
    }

    .why-grid {
        grid-template-columns: repeat(2, 1fr)
    }

    .hero-grid {
        gap: 25px
    }

    .about-grid,
    .contact-grid {
        gap: 40px
    }
}

@media(max-width:760px) {
    .header-inner {
        min-height: 72px
    }

    .menu-toggle {
        display: block
    }

    nav {
        display: none;
        position: absolute;
        top: 72px;
        left: 0;
        right: 0;
        padding: 20px 6%;
        background: white;
        box-shadow: 0 18px 22px #183b7312;
        flex-direction: column;
        align-items: flex-start
    }

    nav.open {
        display: flex
    }

    .hero {
        padding: 55px 0 65px
    }

    .hero-grid,
    .about-grid,
    .calculator-grid,
    .contact-grid {
        grid-template-columns: 1fr
    }

    .hero-visual {
        max-width: 470px;
        margin: auto
    }

    .hero-stats {
        margin-top: 35px
    }

    .section {
        padding: 75px 0
    }

    .service-grid,
    .testimonial-grid {
        grid-template-columns: 1fr
    }

    .cta-panel {
        display: block;
        padding: 42px 30px
    }

    .cta-panel .btn {
        white-space: normal;
        margin-top: 20px
    }

    .calculator-shell {
        padding: 22px
    }

    .calculator-grid {
        gap: 30px
    }

    .calc-right {
        gap: 20px
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr
    }

    .footer-grid>div:first-child {
        grid-column: span 2
    }
}

@media(max-width:450px) {
    .container {
        width: min(100% - 30px, 1180px)
    }

    .why-grid {
        grid-template-columns: 1fr
    }

    .hero-stats {
        gap: 18px
    }

    .control-top {
        align-items: flex-start;
        flex-direction: column
    }

    .control input[type=number] {
        width: 100%
    }

    .tabs {
        gap: 5px
    }

    .tab {
        padding: 9px 15px
    }

    .footer-grid {
        grid-template-columns: 1fr
    }

    .footer-grid>div:first-child {
        grid-column: auto
    }
}

@media(prefers-reduced-motion:reduce) {

    *,
    *:before,
    *:after {
        animation: none !important;
        transition: none !important;
        scroll-behavior: auto !important
    }

    .reveal {
        opacity: 1;
        transform: none
    }

    #cursor,
    #cursor-ring {
        display: none
    }
}

/* Contact CTA without enquiry form */
.whatsapp-card {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    justify-content: center;
    background: linear-gradient(145deg, #f1f6fc, #fff);
    box-shadow: 0 24px 60px #183b7310
}

.whatsapp-card .wa-illustration {
    width: min(100%, 320px);
    align-self: center;
    margin: 0 auto 16px
}

.whatsapp-card .wa-illustration img {
    width: 100%;
    max-height: 215px
}

.whatsapp-card h3 {
    font-size: clamp(1.4rem, 2.5vw, 2rem);
    margin-bottom: 12px
}

.whatsapp-card>p {
    max-width: 450px
}

.wa-button {
    background: #167d55;
    margin-top: 15px
}

.wa-button:hover {
    background: #0d6543
}

.wa-note {
    font-size: .76rem !important;
    margin-top: 13px
}

.testimonial-card {
    position: relative
}

.testimonial-card:before {
    content: '“';
    position: absolute;
    right: 20px;
    top: 4px;
    color: var(--gold);
    opacity: .35;
    font-size: 5rem;
    line-height: 1
}

.testimonial-card blockquote {
    position: relative;
    z-index: 1
}

/* Premium wealth advisory design layer */
:root {
    --ink: #142c49;
    --pale: #f6f8fa;
    --line: #e2e8ee;
    --radius: 18px
}

body {
    background: #fffdfa
}

h1,
h2,
h3,
h4 {
    letter-spacing: -.045em
}

h1 {
    font-size: clamp(3.3rem, 5.6vw, 6.2rem);
    line-height: 1.08
}

h2 {
    font-size: clamp(2.3rem, 3.8vw, 4rem)
}

.site-header {
    background: #fffdf9f5;
    border-bottom: 1px solid #e9e4da
}

.header-inner {
    min-height: 94px
}

.brand img {
    width: 200px;
    height: 50px
}

.brand strong {
    font-size: 1.25rem
}

.btn {
    border-radius: 100px;
    padding: 16px 25px;
    box-shadow: 0 7px 18px #183b7315
}

.btn-small {
    padding: 12px 22px
}

.btn-outline {
    box-shadow: none;
    border-color: #c5bda9
}

.eyebrow {
    letter-spacing: .18em
}

.hero {
    background: linear-gradient(116deg, #f9f6f0 0%, #fdfbf6 52%, #eaf0f5 100%);
    padding: 78px 0 84px
}

.hero-grid {
    grid-template-columns: 1.05fr .95fr;
    gap: 18px
}

.hero-copy {
    position: relative;
    z-index: 2
}

.hero h1 {
    max-width: 700px;
    color: #142e4e
}

.hero-copy>p {
    max-width: 520px;
    font-size: 1.12rem;
    line-height: 1.85
}

.hero-visual:before {
    inset: 12% 0 2% 8%;
    border-radius: 44%;
    background: #dfe9f0;
    filter: blur(30px)
}

.hero-visual img {
    max-height: 610px;
    object-fit: contain;
    filter: drop-shadow(0 20px 20px #17395b10)
}

.hero-stats {
    border-top: 1px solid #ded8cc
}

.hero-stats strong {
    color: #153c70
}

.section {
    padding: 118px 0
}

.light-section {
    background: #f8f7f3
}

.section-head {
    max-width: 780px
}

.section-head p {
    font-size: 1.08rem
}

.feature-card,
.service-card,
.testimonial-card {
    border: 1px solid #e9e5de;
    box-shadow: 0 7px 24px #19395b06;
    border-radius: 20px
}

.feature-card {
    padding: 32px 26px
}

.feature-card:hover,
.service-card:hover {
    box-shadow: 0 24px 52px #1c3c6a14
}

.icon-box {
    background: #f5ecdc;
    border-radius: 50%
}

.about-grid {
    gap: 95px
}

.about-visual {
    background: #e8eff5;
    border-radius: 28px;
    padding: 0;
    overflow: hidden;
    box-shadow: 0 28px 60px #183b7316
}

.about-visual img {
    aspect-ratio: 1.1;
    object-fit: cover
}

.check-list li:before {
    display: inline-grid;
    place-items: center;
    width: 25px;
    height: 25px;
    background: #f7e8cc;
    border-radius: 50%;
    margin-right: 12px
}

.service-card {
    position: relative;
    overflow: hidden;
    padding: 40px
}

.service-card:after {
    content: '↗';
    position: absolute;
    top: 30px;
    right: 30px;
    font-size: 24px;
    color: #cf9336;
    opacity: .7
}

.service-card .icon-box {
    margin-bottom: 36px
}

.points span {
    background: #f8f2e8;
    color: #80581f
}

.cta-panel {
    background: linear-gradient(115deg, #0d2849, #1b4577);
    box-shadow: 0 30px 65px #183b7328;
    border-radius: 25px
}

.cta-panel:before {
    content: '';
    position: absolute;
    width: 360px;
    height: 360px;
    border: 1px solid #ffffff15;
    border-radius: 50%;
    right: 0;
    bottom: -290px
}

.calculator-shell {
    border: 1px solid #e6e2da;
    box-shadow: 0 25px 70px #183b730d
}

.tab.active {
    background: #183b73
}

.donut {
    box-shadow: 0 16px 35px #183b7310
}

.testimonial-card {
    padding: 34px
}

.testimonial-card blockquote {
    font-size: 1.04rem;
    line-height: 1.85
}

.contact-card {
    background: #f8f6f0;
    border-color: #eee5d6
}

.site-footer {
    background: #0c2543
}

.whatsapp-card {
    background: linear-gradient(135deg, #f5f2e9, #eef3f6)
}

.wa-button {
    background: #167d55
}

.reveal {
    transition-duration: .8s
}

@media(max-width:760px) {
    .header-inner {
        min-height: 72px
    }

    .hero {
        padding: 45px 0 65px
    }

    .hero-grid {
        grid-template-columns: 1fr
    }

    .hero-visual {
        width: 100%;
        max-width: 520px
    }

    .hero-visual img {
        max-height: 460px
    }

    .section {
        padding: 78px 0
    }

    .about-grid {
        gap: 35px
    }

    .hero h1 {
        font-size: clamp(2.9rem, 10vw, 4.7rem)
    }
}

@media(prefers-reduced-motion:reduce) {
    .hero-visual img {
        animation: none
    }
}

/* Accessible desktop and mobile user login dropdown */
.login-dropdown {
    position: relative;
    display: flex;
    align-items: center
}

.login-toggle {
    font: inherit;
    cursor: pointer;
    color: inherit;
    border: 0;
    background: transparent;
    padding: 10px 12px;
    white-space: nowrap;
    font-weight: 600
}

.login-toggle:hover,
.login-toggle:focus-visible {
    color: var(--gold)
}

.login-options {
    position: absolute;
    top: 100%;
    right: 0;
    min-width: 220px;
    display: none;
    flex-direction: column;
    background: #fff;
    border: 1px solid #e7eaf0;
    box-shadow: 0 16px 36px rgba(14, 32, 65, .15);
    border-radius: 12px;
    padding: 8px;
    z-index: 120
}

.login-dropdown.open .login-options,
.login-dropdown:focus-within .login-options {
    display: flex
}

#nav .login-options a {
    display: block;
    padding: 12px;
    border-radius: 8px;
    white-space: nowrap;
    color: #183b73
}

#nav .login-options a:hover {
    background: #f5f7fa;
    color: #a66e1d
}

.footer-bottom a {
    color: #cf9336;
    text-decoration: underline;
    text-underline-offset: 3px
}

@media(max-width:960px) {
    .login-dropdown {
        display: block;
        width: 100%
    }

    .login-toggle {
        text-align: left;
        width: 100%;
        padding: 12px 0
    }

    .login-options {
        position: static;
        box-shadow: none;
        min-width: 0;
        width: 100%;
        margin: 4px 0 8px
    }

    .login-dropdown:not(.open) .login-options {
        display: none
    }
}

.ast-arrow-svg {
    width: 10px;
    height: 10px;
}