/* ===== RESET & BASE ===== */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --navy: #1B3A7A;
  --navy-dark: #112654;
  --cyan: #00D4C8;
  --cyan-light: #00EDD6;
  --mid: #0E76A8;
  --white: #ffffff;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-400: #94A3B8;
  --gray-600: #475569;
  --gray-800: #1E293B;
  --grad: linear-gradient(135deg, var(--navy) 0%, var(--cyan) 100%);
  --grad-h: linear-gradient(135deg, var(--navy-dark) 0%, var(--mid) 50%, var(--cyan) 100%);
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, .08), 0 1px 2px rgba(0, 0, 0, .06);
  --shadow-md: 0 4px 20px rgba(27, 58, 122, .12);
  --shadow-lg: 0 10px 40px rgba(27, 58, 122, .18);
  --radius: 14px;
  --radius-sm: 8px;
  --transition: .25s cubic-bezier(.4, 0, .2, 1);
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

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

ul {
  list-style: none;
}

img {
  max-width: 100%;
}

/* ===== GRADIENT TEXT ===== */
.gradient-text {
  background: var(--grad);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 22px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
}

.btn-primary {
  background: linear-gradient(135deg, #0E76A8 0%, #00D4C8 100%);
  color: var(--white);
  border: none;
  outline: none;
}

.btn-primary:hover {
  opacity: .88;
  transform: translateY(-1px);
  box-shadow: 0 6px 24px rgba(0, 212, 200, .35);
}

.btn-ghost {
  color: var(--gray-600);
}

.btn-ghost:hover {
  color: var(--navy);
}

.btn-outline {
  border-color: var(--gray-200);
  color: var(--gray-800);
  background: var(--white);
}

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

.btn-outline-white {
  border-color: rgba(255, 255, 255, .5);
  color: var(--white);
}

.btn-outline-white:hover {
  background: rgba(255, 255, 255, .1);
  border-color: var(--white);
}

.btn-white {
  background: var(--white);
  color: var(--navy);
}

.btn-white:hover {
  background: var(--gray-100);
  transform: translateY(-1px);
}

.btn-lg {
  padding: 14px 32px;
  font-size: 16px;
}

.btn-block {
  display: flex;
  width: 100%;
  justify-content: center;
  margin-top: auto;
}

/* ===== NAVBAR ===== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .85);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--gray-100);
  transition: box-shadow var(--transition);
  overflow: visible;
}

.navbar.scrolled {
  box-shadow: var(--shadow-md);
}

.nav-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 80px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.logo-icon {
  width: 36px;
  height: 36px;
}

.logo-icon-sm {
  width: 28px;
  height: 28px;
}

.logo-img {
  height: 245px;
  width: auto;
  object-fit: contain;
}

.logo-img-sm {
  height: 60px;
}

.logo-img-footer {
  width: 220px;
  height: auto;
}

.logo-text {
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -.3px;
}

.logo-text .word-smart {
  color: var(--navy);
}

.logo-text .word-wealth {
  color: var(--cyan);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  justify-content: center;
}

/* Multi-word labels ("Plan With Us") must not break across lines when the
   flex row runs short of space. */
.nav-links > li {
  flex-shrink: 0;
}

.nav-links a {
  padding: 8px 14px;
  border-radius: 8px;
  font-size: 15px;
  color: var(--gray-600);
  font-weight: 500;
  white-space: nowrap;
  transition: var(--transition);
}

.nav-links a:hover {
  color: var(--navy);
  background: var(--gray-50);
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: 32px;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  margin-left: auto;
}

.hamburger span {
  width: 22px;
  height: 2px;
  background: var(--gray-800);
  border-radius: 2px;
  display: block;
  transition: var(--transition);
}

.mobile-menu {
  display: none;
  flex-direction: column;
  padding: 16px 24px 24px;
  border-top: 1px solid var(--gray-100);
  gap: 4px;
}

.mobile-menu a {
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 15px;
  color: var(--gray-600);
  font-weight: 500;
}

.mobile-menu .btn-auth-pill {
  justify-content: center;
  margin-bottom: 8px;
  box-shadow: none;
}

.mobile-menu .btn-auth-pill .auth-login,
.mobile-menu .btn-auth-pill .auth-signup {
  padding: 7px 8px;
  font-size: 13px;
}

.mobile-menu.open {
  display: flex;
  max-height: calc(100vh - 80px);
  overflow-y: auto;
}

/* ===== NAVBAR DROPDOWNS ===== */
.nav-dropdown {
  position: relative;
}

.nav-drop-trigger {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  border-radius: 8px;
  font-size: 15px;
  color: var(--gray-600);
  font-weight: 500;
  transition: var(--transition);
  cursor: pointer;
  white-space: nowrap;
}

.nav-drop-trigger:hover,
.nav-dropdown:hover .nav-drop-trigger {
  color: var(--navy);
  background: var(--gray-50);
}

.nav-drop-trigger svg {
  width: 14px;
  height: 14px;
  transition: transform var(--transition);
  flex-shrink: 0;
}

.nav-dropdown:hover .nav-drop-trigger svg {
  transform: rotate(180deg);
}

.drop-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 210px;
  padding: 6px;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
  z-index: 300;
}

.nav-dropdown:hover .drop-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.drop-menu a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  padding: 9px 12px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--gray-600);
  font-weight: 500;
  transition: var(--transition);
  white-space: nowrap;
}

.drop-menu a:hover {
  color: var(--navy);
  background: var(--gray-50);
}

/* Not-yet-built nav entries: readable, but clearly not a destination. */
.drop-soon {
  cursor: default;
  opacity: .72;
}

.drop-menu .drop-soon:hover,
.mobile-menu .drop-soon:hover {
  color: var(--gray-600);
  background: transparent;
}

.soon-badge {
  flex-shrink: 0;
  margin-left: 10px;
  padding: 2px 8px;
  border-radius: 999px;
  background: rgba(0, 212, 200, .12);
  border: 1px solid rgba(0, 212, 200, .35);
  color: #0E8C86;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  white-space: nowrap;
}

[data-theme="dark"] .soon-badge {
  background: rgba(0, 212, 200, .14);
  border-color: rgba(0, 212, 200, .4);
  color: var(--cyan);
}

/* The mobile menu stacks plain links, so give this row a row layout of its own. */
.mobile-menu .drop-soon {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

/* ===== PLAN WITH US (events) ===== */
.pwu-wa {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.pwu-wa svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
}

.pwu-intro {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.pwu-intro p {
  font-size: 18px;
  line-height: 1.85;
  color: var(--gray-600);
  margin-bottom: 18px;
}

.pwu-intro strong {
  color: var(--navy);
  font-weight: 700;
}

/* three benefits, not the six .features-grid assumes */
.pwu-grid {
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  grid-template-rows: auto;
}

.pwu-terms-wrap {
  max-width: 760px;
  margin: 0 auto;
}

.pwu-terms {
  list-style: none;
  display: grid;
  gap: 16px;
}

.pwu-term {
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 22px 24px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--white);
}

.pwu-term-icon {
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--grad);
  color: #fff;
}

.pwu-term-icon svg {
  width: 24px;
  height: 24px;
}

.pwu-term p {
  font-size: 15px;
  line-height: 1.7;
  color: var(--gray-600);
}

.pwu-term strong {
  color: var(--gray-800);
  font-weight: 700;
}

.pwu-cta {
  max-width: 760px;
  margin: 44px auto 0;
  padding: 36px 32px;
  text-align: center;
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  background: linear-gradient(135deg, var(--gray-50) 0%, rgba(0, 212, 200, .06) 100%);
}

.pwu-cta h3 {
  font-size: 22px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 8px;
}

.pwu-cta p {
  font-size: 15px;
  color: var(--gray-600);
  margin-bottom: 22px;
}

/* Programme artwork paired with the copy it describes */
.pwu-hero-art {
  margin-top: 40px;
  display: flex;
  justify-content: center;
}

/* Swipeable deck of all 5 slides - native scroll-snap handles touch and
   trackpad; a pointer-drag layer (in script.js-adjacent inline script below)
   covers desktop mouse users who have neither. */
.pwu-carousel {
  position: relative;
  width: 100%;
  max-width: 440px;
}

.pwu-carousel-track {
  display: flex;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  background: var(--white);
  cursor: grab;
  user-select: none;
}

.pwu-carousel-track.is-dragging {
  cursor: grabbing;
  scroll-snap-type: none;
}

.pwu-carousel-track::-webkit-scrollbar {
  display: none;
}

.pwu-carousel-slide {
  flex: 0 0 100%;
  scroll-snap-align: center;
  scroll-snap-stop: always;
  margin: 0;
  line-height: 0;
}

.pwu-carousel-slide img {
  display: block;
  width: 100%;
  height: auto;
  pointer-events: none;
}

.pwu-carousel-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, .92);
  color: var(--navy);
  box-shadow: var(--shadow-md);
  cursor: pointer;
  transition: var(--transition);
  z-index: 2;
}

.pwu-carousel-arrow:hover {
  background: var(--navy);
  color: #fff;
}

.pwu-carousel-arrow svg {
  width: 18px;
  height: 18px;
}

.pwu-carousel-prev {
  left: -14px;
}

.pwu-carousel-next {
  right: -14px;
}

.pwu-carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 16px;
}

.pwu-dot {
  width: 8px;
  height: 8px;
  padding: 0;
  border: 0;
  border-radius: 50%;
  background: var(--gray-200);
  cursor: pointer;
  transition: var(--transition);
}

.pwu-dot.is-active {
  width: 22px;
  border-radius: 4px;
  background: var(--grad);
}

@media (max-width: 560px) {
  .pwu-carousel-arrow {
    display: none;
  }
}

.pwu-split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 40px;
  align-items: center;
  max-width: 940px;
  margin: 0 auto;
}

/* the benefits grid needs more room than the terms list */
.pwu-split-wide {
  grid-template-columns: minmax(0, 1fr) 300px;
  max-width: 1140px;
  align-items: start;
}

/* slide 4 sits to the LEFT of the terms, so flip the minmax order there */
.pwu-split > .pwu-figure:first-child {
  order: -1;
}

.pwu-figure {
  margin: 0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  background: var(--white);
  line-height: 0;
}

.pwu-figure img {
  display: block;
  width: 100%;
  height: auto;
}

@media (max-width: 900px) {
  .pwu-split,
  .pwu-split-wide {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .pwu-figure {
    max-width: 380px;
    margin: 0 auto;
  }

  .pwu-split > .pwu-figure:first-child {
    order: 0;
  }
}

.pwu-slides {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 20px;
}

.pwu-slide {
  margin: 0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  background: var(--white);
  line-height: 0;
}

.pwu-slide img {
  display: block;
  width: 100%;
  height: auto;
}

@media (max-width: 560px) {
  .pwu-term {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }

  .pwu-cta {
    padding: 28px 20px;
  }
}

/* ===== FINANCIAL PLANNING ===== */
/* Five services, so auto-fit rather than the fixed 3x2 of .features-grid. */
.fp-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 20px;
}

.fp-partners {
  margin-top: 40px;
  padding: 28px 32px;
  border: 1px solid var(--gray-200);
  border-left: 3px solid var(--cyan);
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--gray-50) 0%, rgba(0, 212, 200, .05) 100%);
}

.fp-partners p {
  font-size: 15px;
  line-height: 1.8;
  color: var(--gray-600);
  max-width: 78ch;
}

.fp-partners strong {
  color: var(--gray-800);
  font-weight: 700;
}

.fp-wa {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.fp-wa svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: #25D366;
}

@media (max-width: 560px) {
  .fp-partners {
    padding: 22px 20px;
  }
}

/* ===== LEGAL DOCUMENTS ===== */
.legal-hero .page-hero-sub {
  max-width: 62ch;
}

.legal-updated {
  margin-top: 16px;
  font-size: 12px;
  color: var(--gray-400);
}

.legal-doc {
  max-width: 760px;
  margin: 0 auto;
  color: var(--gray-600);
  font-size: 15px;
  line-height: 1.8;
}

.legal-doc h2 {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-800);
  margin: 40px 0 12px;
  padding-top: 24px;
  border-top: 1px solid var(--gray-200);
}

.legal-doc h2:first-child {
  margin-top: 0;
  padding-top: 0;
  border-top: 0;
}

.legal-doc h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--gray-800);
  margin: 22px 0 8px;
}

.legal-doc p {
  margin-bottom: 14px;
}

.legal-doc ul {
  margin: 0 0 16px 0;
  padding-left: 0;
  list-style: none;
}

.legal-doc li {
  position: relative;
  padding-left: 20px;
  margin-bottom: 8px;
}

.legal-doc li::before {
  content: "";
  position: absolute;
  left: 2px;
  top: 11px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--cyan);
}

.legal-doc a {
  color: var(--navy);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.legal-doc a:hover {
  color: var(--cyan);
}

.legal-doc code {
  font-family: 'Cascadia Code', Consolas, monospace;
  font-size: 13px;
  padding: 1px 6px;
  border-radius: 4px;
  background: var(--gray-100);
  color: var(--gray-800);
}

.legal-callout {
  border-left: 3px solid var(--cyan);
  background: var(--gray-50);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 20px;
  margin: 0 0 16px;
}

.legal-callout p:last-child {
  margin-bottom: 0;
}

.legal-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  margin-bottom: 16px;
}

/* Unfilled placeholders. Deliberately loud so they cannot ship unnoticed. */
.legal-todo {
  background: rgba(245, 158, 11, .18);
  border-bottom: 2px dotted #B45309;
  color: #92400E;
  padding: 0 4px;
  border-radius: 3px;
  font-weight: 600;
}

[data-theme="dark"] .legal-todo {
  background: rgba(245, 158, 11, .22);
  color: #FCD34D;
  border-bottom-color: #FCD34D;
}

[data-theme="dark"] .legal-doc a {
  color: var(--cyan);
}

/* ===== COMING SOON PAGE STATE ===== */
.soon-stage {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
}

.soon-sign {
  display: block;
  width: 100%;
  max-width: 340px;
  height: auto;
  margin: 0 auto 28px;
  overflow: visible;
}

.soon-sign-text {
  font-family: 'Inter', sans-serif;
  font-size: 44px;
  font-weight: 800;
  letter-spacing: .04em;
  fill: #fff;
}

/* Hangs from the knob, so the pivot is the top of the cords, not the plaque. */
.soon-swing {
  transform-origin: 210px 30px;
  animation: soon-sway 5s ease-in-out infinite;
}

@keyframes soon-sway {
  0%, 100% { transform: rotate(-2.2deg); }
  50%      { transform: rotate(2.2deg); }
}

@media (prefers-reduced-motion: reduce) {
  .soon-swing {
    animation: none;
    transform: rotate(-1.5deg);
  }
}

.soon-title {
  font-size: 30px;
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--gray-800);
  margin-bottom: 12px;
}

.soon-sub {
  font-size: 16px;
  line-height: 1.7;
  color: var(--gray-600);
  margin: 0 auto 28px;
  max-width: 52ch;
}

.soon-actions {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}

.soon-note {
  font-size: 13px;
  color: var(--gray-400);
  margin-top: 18px;
}

.drop-tag {
  font-size: 11px;
  font-weight: 600;
  color: var(--gray-400);
  background: var(--gray-100);
  padding: 2px 7px;
  border-radius: 20px;
  flex-shrink: 0;
}

/* Nested flyout submenu (e.g. Stocks inside Wealth Management) */
.drop-submenu {
  position: relative;
}

.drop-submenu-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  padding: 9px 12px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--gray-600);
  font-weight: 500;
  transition: var(--transition);
  white-space: nowrap;
  cursor: pointer;
}

.drop-submenu-trigger:hover,
.drop-submenu:hover .drop-submenu-trigger {
  color: var(--navy);
  background: var(--gray-50);
}

.drop-submenu-arrow {
  width: 12px;
  height: 12px;
  flex-shrink: 0;
}

.drop-submenu-menu {
  position: absolute;
  top: -6px;
  left: calc(100% + 6px);
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 180px;
  padding: 6px;
  opacity: 0;
  visibility: hidden;
  transform: translateX(-6px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
  z-index: 310;
}

.drop-submenu:hover .drop-submenu-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(0);
}

.drop-submenu-menu a {
  display: flex;
  align-items: center;
  padding: 9px 12px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--gray-600);
  font-weight: 500;
  transition: var(--transition);
  white-space: nowrap;
}

.drop-submenu-menu a:hover {
  color: var(--navy);
  background: var(--gray-50);
}

/* Mobile section labels */
.mobile-section-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--gray-400);
  padding: 14px 12px 4px;
}

.mobile-section-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: none;
  border: none;
  font-family: 'Inter', sans-serif;
  text-align: left;
  cursor: pointer;
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 15px;
  color: var(--gray-600);
  font-weight: 500;
}

.mobile-section-toggle::after {
  content: '';
  width: 7px;
  height: 7px;
  margin-right: 4px;
  flex-shrink: 0;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg);
  transition: transform var(--transition);
}

.mobile-section-toggle.open::after {
  transform: rotate(-135deg);
}

.mobile-section-group {
  display: none;
  flex-direction: column;
}

.mobile-section-group.open {
  display: flex;
}

/* ===== HERO ===== */
.hero {
  position: relative;
  padding: 100px 0 80px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 60% at 50% -10%, rgba(27, 58, 122, .08) 0%, transparent 70%),
    radial-gradient(ellipse 50% 40% at 80% 80%, rgba(0, 212, 200, .06) 0%, transparent 60%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 680px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, rgba(27, 58, 122, .06), rgba(0, 212, 200, .06));
  border: 1px solid rgba(0, 212, 200, .25);
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 24px;
}

.badge-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--cyan);
  animation: pulse 2s infinite;
}

@keyframes pulse {

  0%,
  100% {
    opacity: 1;
    transform: scale(1);
  }

  50% {
    opacity: .6;
    transform: scale(1.3);
  }
}

.hero-title {
  font-size: clamp(40px, 6vw, 68px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -2px;
  color: var(--gray-800);
  margin-bottom: 24px;
}

/* The one-line promise, set larger than the paragraph under it. */
.hero-lead {
  font-size: 22px;
  font-weight: 600;
  color: var(--gray-800);
  max-width: 560px;
  margin-bottom: 14px;
  line-height: 1.5;
}

.hero-subtitle {
  font-size: 18px;
  color: var(--gray-600);
  max-width: 540px;
  margin-bottom: 36px;
  line-height: 1.7;
}

/* Sits above the CTA row. */
.hero-note {
  font-size: 16px;
  line-height: 1.7;
  color: var(--gray-600);
  max-width: 540px;
  margin-bottom: 30px;
  padding-left: 16px;
  border-left: 3px solid var(--cyan);
}

.hero-wa {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.hero-wa svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: #25D366;
}

.hero-wa:hover svg {
  color: #fff;
}

@media (max-width: 768px) {
  .hero-lead {
    font-size: 19px;
  }

  .hero-note {
    font-size: 15px;
  }
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 0;
}

.stat {
  text-align: center;
  padding: 0 24px;
}

.stat:first-child {
  padding-left: 0;
}

.stat-num {
  display: block;
  font-size: 26px;
  font-weight: 800;
  background: var(--grad);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.stat-label {
  font-size: 13px;
  color: var(--gray-400);
  font-weight: 500;
}

.stat-divider {
  width: 1px;
  height: 36px;
  background: var(--gray-200);
}

/* ===== SMART WEALTH EXPERIENCE ===== */
.sw-experience {
  padding: 96px 0 104px;
  overflow: hidden;
  background: var(--gray-50);
}

.sw-experience-heading {
  max-width: 980px;
  margin: 0 auto 52px;
  text-align: center;
}

.sw-experience-heading h2 {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 13px;
  flex-wrap: nowrap;
  margin: 14px 0 14px;
  color: var(--gray-800);
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.12;
  letter-spacing: -1.3px;
}

.experience-title-logo-wrap {
  position: relative;
  display: inline-block;
  flex: 0 0 320px;
  width: 320px;
  height: 76px;
  overflow: hidden;
}

.experience-title-logo {
  position: absolute;
  top: 50%;
  left: 50%;
  width: 460px;
  max-width: none;
  height: 460px;
  object-fit: contain;
  transform: translate(-50%, -50%);
}

.sw-experience-heading p {
  color: var(--gray-600);
  font-size: 16px;
  line-height: 1.75;
}

.product-showcase { max-width: 1040px; margin: 0 auto; }

.product-deck {
  position: relative;
  height: 470px;
  margin-right: 52px;
  cursor: grab;
  touch-action: pan-y;
  user-select: none;
}

.product-deck.is-dragging { cursor: grabbing; }

.product-card {
  --card-offset: 0;
  position: absolute;
  inset: 0;
  z-index: calc(10 - var(--card-offset));
  display: grid;
  grid-template-columns: .88fr 1.12fr;
  min-height: 420px;
  overflow: hidden;
  border: 1px solid var(--gray-200);
  border-radius: 24px;
  background: var(--white);
  box-shadow: 0 22px 55px rgba(17, 38, 84, .11);
  opacity: calc(1 - var(--card-offset) * .16);
  transform: translate(calc(var(--card-offset) * 26px), calc(var(--card-offset) * 18px)) scale(calc(1 - var(--card-offset) * .025));
  transform-origin: center bottom;
  transition: transform .55s cubic-bezier(.22,1,.36,1), opacity .4s ease, box-shadow .4s ease;
}

.product-card.is-active { box-shadow: 0 28px 70px rgba(17, 38, 84, .17); }

.product-copy {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  padding: 54px 48px;
}

.product-number {
  position: absolute;
  top: 28px;
  right: 30px;
  color: var(--gray-200);
  font-size: 46px;
  font-weight: 800;
}

.product-kicker {
  margin-bottom: 13px;
  color: var(--mid);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.product-copy h3 {
  max-width: 390px;
  margin-bottom: 16px;
  color: var(--gray-800);
  font-size: clamp(25px, 3vw, 34px);
  line-height: 1.16;
  letter-spacing: -.8px;
}

.product-copy p { margin-bottom: 26px; color: var(--gray-600); line-height: 1.7; }

.product-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: var(--navy);
  font-size: 14px;
  font-weight: 750;
}

.product-link::after { content: '→'; transition: transform .2s ease; }
.product-link:hover::after { transform: translateX(4px); }

.product-mockup {
  position: relative;
  min-height: 420px;
  overflow: hidden;
  padding: 56px 38px 38px;
  background: linear-gradient(145deg, #112654, #0e76a8 62%, #00bcb3);
}

.mock-window-bar {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  display: flex;
  align-items: center;
  gap: 6px;
  height: 40px;
  padding: 0 16px;
  background: rgba(3, 12, 29, .3);
  color: rgba(255,255,255,.72);
  font-size: 10px;
  font-weight: 650;
  letter-spacing: .04em;
}

.mock-window-bar i { width: 7px; height: 7px; border-radius: 50%; background: rgba(255,255,255,.35); }
.mock-window-bar span { margin-left: 6px; }

.learning-preview-main {
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  height: 245px;
  padding: 25px;
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 17px;
  background: radial-gradient(circle at 75% 25%, rgba(0,237,214,.45), transparent 32%), linear-gradient(145deg, rgba(255,255,255,.16), rgba(255,255,255,.04));
  color: #fff;
  box-shadow: 0 20px 40px rgba(1, 8, 24, .22);
}

.mock-play { align-self: center; margin: auto; width: 58px; height: 58px; padding: 18px 0 0 22px; border-radius: 50%; background: rgba(255,255,255,.92); color: var(--navy); }
.learning-preview-main small { margin-bottom: 5px; color: var(--cyan-light); font-weight: 700; }
.learning-preview-main strong { font-size: 19px; }
.learning-preview-list { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; margin-top: 14px; }
.learning-preview-list span { height: 56px; border-radius: 10px; background: rgba(255,255,255,.13); border: 1px solid rgba(255,255,255,.14); }

.reports-mockup { background: linear-gradient(145deg, #0d1c3a, #164b74); }
.report-preview-card { position: absolute; display: flex; flex-direction: column; padding: 24px; border: 1px solid rgba(255,255,255,.19); border-radius: 17px; color: #fff; box-shadow: 0 22px 38px rgba(0,0,0,.23); }
.report-preview-main { top: 68px; left: 42px; width: 250px; height: 300px; background: linear-gradient(155deg, #17539a, #0e91ae 62%, #00c8bd); transform: rotate(-4deg); }
.report-preview-side { right: 32px; bottom: 39px; width: 220px; height: 245px; background: linear-gradient(155deg, #172b52, #125e83); transform: rotate(6deg); }
.report-preview-card small { color: var(--cyan-light); font-weight: 800; text-transform: uppercase; }
.report-preview-card strong { margin: auto 0; font-size: 24px; line-height: 1.16; }
.report-preview-card em { align-self: flex-start; padding: 5px 9px; border-radius: 6px; background: rgba(255,255,255,.14); font-size: 11px; font-style: normal; }

.events-mockup { display: flex; align-items: center; gap: 22px; background: radial-gradient(circle at 85% 15%, rgba(0,237,214,.45), transparent 28%), linear-gradient(145deg, #112654, #086e87); color: #fff; }
.event-date { flex: 0 0 116px; padding: 28px 12px; border: 1px solid rgba(255,255,255,.25); border-radius: 18px; background: rgba(255,255,255,.13); text-align: center; box-shadow: 0 20px 40px rgba(0,0,0,.18); }
.event-date strong { display: block; font-size: 58px; line-height: 1; }
.event-date span { color: var(--cyan-light); font-weight: 800; letter-spacing: .18em; }
.event-preview-copy { display: flex; flex-direction: column; align-items: flex-start; }
.event-preview-copy small { margin-bottom: 12px; color: var(--cyan-light); font-weight: 800; letter-spacing: .1em; }
.event-preview-copy strong { margin-bottom: 14px; font-size: 28px; line-height: 1.15; }
.event-preview-copy span { color: rgba(255,255,255,.7); font-size: 13px; }
.event-preview-copy b { margin-top: 30px; padding: 10px 16px; border-radius: 30px; background: #fff; color: var(--navy); font-size: 12px; }

[data-theme="dark"] .sw-experience { background: #111827; }
[data-theme="dark"] .sw-experience-heading h2,
[data-theme="dark"] .product-copy h3 { color: #f8fafc; }
[data-theme="dark"] .sw-experience-heading p,
[data-theme="dark"] .product-copy p { color: #94a3b8; }
[data-theme="dark"] .product-card { background: #1e293b; border-color: #334155; box-shadow: 0 24px 60px rgba(0,0,0,.28); }
[data-theme="dark"] .product-number { color: #334155; }
[data-theme="dark"] .product-link { color: var(--cyan); }

@media (max-width: 820px) {
  .sw-experience { padding: 72px 0 78px; }
  .sw-experience-heading h2 { flex-wrap: wrap; }
  .product-deck { height: 650px; margin-right: 24px; }
  .product-card { grid-template-columns: 1fr; }
  .product-copy { padding: 44px 30px 32px; }
  .product-mockup { min-height: 315px; }
  .report-preview-main { height: 225px; width: 220px; }
  .report-preview-side { height: 185px; }
}

@media (max-width: 540px) {
  .experience-title-logo-wrap { flex-basis: 280px; width: 280px; height: 64px; }
  .experience-title-logo { width: 370px; height: 370px; }
  .product-deck { height: 680px; margin-right: 12px; }
  .product-copy h3 { font-size: 25px; }
  .product-mockup { padding: 54px 20px 24px; }
  .report-preview-main { left: 25px; width: 200px; }
  .report-preview-side { right: 20px; width: 170px; }
  .events-mockup { gap: 14px; }
  .event-date { flex-basis: 90px; }
  .event-date strong { font-size: 44px; }
  .event-preview-copy strong { font-size: 21px; }
}

@media (prefers-reduced-motion: reduce) {
  .product-card { transition: none; }
}

/* Hero visual */
.hero-visual {
  position: absolute;
  top: 100px;
  right: -20px;
  width: 460px;
  height: 500px;
  pointer-events: none;
}

.float-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius);
  padding: 20px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-100);
}

.card-portfolio {
  top: 0;
  right: 60px;
  width: 240px;
  animation: float 4s ease-in-out infinite;
}

.card-alloc {
  top: 180px;
  right: 0;
  width: 200px;
  animation: float 4s ease-in-out infinite .8s;
}

.card-alert {
  top: 340px;
  right: 80px;
  display: flex;
  align-items: center;
  gap: 10px;
  width: 230px;
  animation: float 4s ease-in-out infinite 1.6s;
}

@keyframes float {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-10px);
  }
}

.card-label {
  font-size: 11px;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 4px;
}

.card-value {
  font-size: 22px;
  font-weight: 800;
  color: var(--gray-800);
}

.card-change {
  font-size: 12px;
  font-weight: 600;
  margin-top: 2px;
}

.card-change.positive {
  color: #10B981;
}

.mini-chart {
  margin-top: 12px;
  width: 100%;
  height: 40px;
}

.mini-chart svg {
  width: 100%;
  height: 100%;
}

.alloc-bars {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 8px;
}

.alloc-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 500;
  color: var(--gray-600);
}

.alloc-item span:first-child {
  width: 36px;
}

.alloc-item span:last-child {
  width: 28px;
  text-align: right;
}

.bar-track {
  flex: 1;
  height: 5px;
  background: var(--gray-100);
  border-radius: 99px;
  overflow: hidden;
}

.bar-fill {
  height: 100%;
  background: var(--grad);
  border-radius: 99px;
}

.alert-icon {
  font-size: 18px;
  color: #F59E0B;
}

.alert-title {
  font-size: 12px;
  font-weight: 700;
  color: var(--gray-800);
}

.alert-msg {
  font-size: 11px;
  color: var(--gray-600);
}

/* ===== TRUSTED ===== */
.trusted {
  padding: 40px 0;
  border-top: 1px solid var(--gray-100);
  border-bottom: 1px solid var(--gray-100);
  background: var(--gray-50);
}

.trusted-label {
  text-align: center;
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
}

.trusted-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0 56px;
}

.partner-item {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 160px;
  height: 60px;
  text-decoration: none;
  transition: opacity var(--transition), transform var(--transition);
}

.partner-item:hover {
  opacity: 0.75;
  transform: translateY(-2px);
}

.trusted-logos span {
  font-size: 14px;
  font-weight: 700;
  color: var(--gray-400);
  letter-spacing: .5px;
  transition: var(--transition);
}

.trusted-logos span:hover {
  color: var(--navy);
}

.partner-logo {
  height: 32px;
  width: auto;
  object-fit: contain;
  object-position: center;
}

.partner-item:nth-child(2) .partner-logo {
  height: 44px;
  margin-top: 10px;
}

.partner-text {
  font-size: 15px;
  font-weight: 700;
  color: var(--gray-400);
  letter-spacing: .3px;
  transition: var(--transition);
  white-space: nowrap;
}

.partner-text:hover {
  color: var(--navy);
}

/* ===== INVESTMENT SIMULATOR ===== */
.simulator-section {
  padding: 80px 0;
  background: var(--white);
}

.simulator-inner {
  display: flex;
  gap: 40px;
  align-items: flex-start;
  margin-top: 48px;
}

.simulator-form {
  flex: 0 0 300px;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px;
}

.simulator-form h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 28px;
  line-height: 1.4;
}

.sim-field {
  margin-bottom: 20px;
}

.sim-field-row {
  display: flex;
  gap: 12px;
}

.sim-field-row > div {
  flex: 1;
  min-width: 0;
}

.sim-field label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-600);
  margin-bottom: 6px;
  letter-spacing: .3px;
}

.sim-input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  overflow: hidden;
  transition: border-color var(--transition);
}

.sim-input-wrap:focus-within {
  border-color: var(--cyan);
}

.sim-prefix, .sim-suffix {
  padding: 10px 12px;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-600);
  background: var(--gray-100);
  white-space: nowrap;
  border-right: 1px solid var(--gray-200);
}

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

.sim-input-wrap input[type=number] {
  -moz-appearance: textfield;
}

.sim-input-wrap input {
  flex: 1;
  border: none;
  outline: none;
  padding: 10px 12px;
  font-size: 14px;
  font-family: 'Inter', sans-serif;
  color: var(--gray-800);
  background: transparent;
  width: 100%;
}

.simulator-chart-wrap {
  flex: 1;
  min-width: 0;
}

#simCanvas {
  width: 100%;
  height: 320px;
  display: block;
}

.sim-legend {
  display: flex;
  gap: 20px;
  margin-top: 12px;
  flex-wrap: wrap;
}

.sim-legend-item {
  font-size: 12px;
  font-weight: 500;
  color: var(--gray-600);
  display: flex;
  align-items: center;
  gap: 6px;
}

.sim-legend-item::before {
  content: '';
  display: inline-block;
  width: 20px;
  height: 3px;
  border-radius: 2px;
}

.sim-legend-opt::before  { background: var(--cyan); }
.sim-legend-cons::before { background: var(--navy); }
.sim-legend-dep::before  { background: var(--gray-400); }

.sim-disclaimer {
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 12px;
}

@media (max-width: 768px) {
  .simulator-inner {
    flex-direction: column;
  }
  .simulator-form {
    flex: none;
    width: 100%;
  }
}

[data-theme="dark"] .simulator-section { background: #111827; }
[data-theme="dark"] .simulator-form {
  background: #1e293b;
  border-color: #334155;
}
[data-theme="dark"] .simulator-form h3 { color: #f1f5f9; }
[data-theme="dark"] .sim-input-wrap { background: #1e293b; border-color: #334155; }
[data-theme="dark"] .sim-input-wrap input { color: #f1f5f9; background: transparent; }
[data-theme="dark"] .sim-prefix,
[data-theme="dark"] .sim-suffix { background: #1e293b; color: #64748b; border-color: #334155; }

/* ===== SECTION HEADER ===== */
.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.section-tag {
  display: inline-block;
  padding: 5px 14px;
  border-radius: 50px;
  background: linear-gradient(135deg, rgba(27, 58, 122, .07), rgba(0, 212, 200, .07));
  border: 1px solid rgba(0, 212, 200, .2);
  font-size: 12px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
}

.section-header h2 {
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 800;
  letter-spacing: -1px;
  color: var(--gray-800);
  margin-bottom: 12px;
}

.section-header p {
  font-size: 17px;
  color: var(--gray-600);
  max-width: 520px;
  margin: 0 auto;
}

/* ===== FEATURES ===== */
.features {
  padding: 100px 0;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-template-rows: auto auto;
  gap: 20px;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.feature-card:hover {
  border-color: rgba(0, 212, 200, .4);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.feature-large {
  grid-column: 1 / 2;
  grid-row: 1 / 3;
  background: linear-gradient(160deg, var(--gray-50) 0%, rgba(0, 212, 200, .04) 100%);
}

.feature-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, rgba(27, 58, 122, .08), rgba(0, 212, 200, .12));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--navy);
}

.feature-icon svg {
  width: 22px;
  height: 22px;
}

.feature-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 10px;
}

.feature-card p {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.7;
  flex: 1;
}

.feature-link {
  display: inline-block;
  margin-top: 16px;
  font-size: 14px;
  font-weight: 600;
  background: var(--grad);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.feature-visual.dashboard-preview {
  display: flex;
  align-items: flex-end;
  gap: 8px;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--gray-100);
  height: 110px;
}

.preview-bar {
  border-radius: 6px 6px 0 0;
  background: linear-gradient(180deg, var(--cyan) 0%, var(--navy) 100%);
  opacity: .7;
  flex-shrink: 0;
}

/* ===== TOOLS ===== */
.tools {
  padding: 100px 0;
  background: var(--gray-50);
}

.tools-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.tool-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
  transition: var(--transition);
}

.tool-card:hover {
  border-color: rgba(0, 212, 200, .4);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.tool-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.tool-icon svg {
  width: 20px;
  height: 20px;
}

.tool-blue {
  background: rgba(27, 58, 122, .08);
  color: var(--navy);
}

.tool-teal {
  background: rgba(0, 212, 200, .1);
  color: #0099A0;
}

.tool-card h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 6px;
}

.tool-card p {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.6;
}

/* ===== HOW IT WORKS ===== */
.how-it-works {
  padding: 100px 0;
}

.steps-grid {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
}

.step {
  flex: 1;
  max-width: 280px;
  text-align: center;
  padding: 0 24px;
}

.step-number {
  font-size: 48px;
  font-weight: 800;
  background: var(--grad);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
  margin-bottom: 16px;
}

.step h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 10px;
}

.step p {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.7;
}

.step-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-top: 14px;
}

.step-cta {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 9px 18px;
  border-radius: 999px;
  background: var(--navy);
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  transition: background .2s, transform .2s;
}

.step-cta:hover {
  background: var(--cyan);
  color: var(--navy-dark);
  transform: translateY(-1px);
}

.step-cta svg {
  width: 14px;
  height: 14px;
}

/* Secondary, quieter action under the primary step CTA */
.step-cta-alt {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-top: 10px;
  font-size: 13px;
  font-weight: 600;
  color: #25D366;
  text-decoration: none;
  transition: color .2s;
}

.step-cta-alt:hover {
  color: #128C7E;
  text-decoration: underline;
}

.step-cta-alt svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
}

.step-arrow {
  font-size: 28px;
  color: var(--gray-200);
  padding-top: 24px;
  flex-shrink: 0;
}

/* ===== PRICING ===== */
.pricing {
  padding: 100px 0;
  background: var(--gray-50);
}

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

.price-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: var(--transition);
}

.price-card:hover {
  box-shadow: 0 0 0 2px rgba(0, 212, 200, .35), var(--shadow-lg);
  transform: translateY(-4px);
}

.price-featured {
  border-color: var(--cyan);
  background: linear-gradient(160deg, #ffffff 0%, rgba(0, 212, 200, .03) 100%);
  box-shadow: 0 0 0 3px rgba(0, 212, 200, .15), var(--shadow-lg);
}

.price-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--grad);
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
  padding: 4px 16px;
  border-radius: 50px;
  white-space: nowrap;
}

.price-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 12px;
}

/* Eligibility block */
.eligibility-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  color: var(--gray-400);
  margin-top: 16px;
  margin-bottom: 4px;
}

.price-features-access {
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--gray-100);
}

/* WhatsApp card */
.price-wa-card {
  border-color: #25D366 !important;
  box-shadow: 0 0 0 2px rgba(37, 211, 102, .12), var(--shadow-md);
}

.price-wa-icon {
  margin-bottom: 12px;
}

.price-wa-sub {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 12px;
  line-height: 1.3;
}

.btn-wa {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: #25D366;
  color: #fff;
  border: none;
  border-radius: 50px;
  padding: 12px 24px;
  font-size: 14px;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  width: 100%;
  margin-top: auto;
}

.btn-wa:hover {
  background: #1ebe5b;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(37, 211, 102, .35);
}

.pricing-note {
  text-align: center;
  font-size: 13px;
  color: var(--gray-400);
  margin-top: 28px;
}

[data-theme="dark"] .price-features-access {
  border-color: #334155;
}

[data-theme="dark"] .price-wa-sub { color: #f1f5f9; }

.price-amount {
  font-size: 48px;
  font-weight: 800;
  color: var(--gray-800);
  line-height: 1;
  margin-bottom: 8px;
}

.price-currency {
  font-size: 24px;
  vertical-align: super;
  font-weight: 600;
}

.price-period {
  font-size: 18px;
  font-weight: 400;
  color: var(--gray-400);
}

.price-desc {
  font-size: 14px;
  color: var(--gray-600);
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--gray-100);
}

.price-features {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 28px;
  flex: 1;
}

.price-features li {
  font-size: 14px;
  color: var(--gray-600);
  font-weight: 500;
}

.price-features li.disabled {
  color: var(--gray-200);
}

/* ===== TESTIMONIALS ===== */
.testimonials {
  padding: 100px 0;
}

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

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
  transition: var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.stars {
  color: #F59E0B;
  font-size: 16px;
  letter-spacing: 2px;
  margin-bottom: 14px;
}

.testimonial-card>p {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 20px;
}

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

.author-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

.testimonial-author strong {
  display: block;
  font-size: 14px;
  color: var(--gray-800);
}

.testimonial-author span {
  font-size: 12px;
  color: var(--gray-400);
}

/* ===== CTA SECTION ===== */
.cta-section {
  padding: 80px 0;
  background: var(--grad-h);
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .03);
  top: -200px;
  right: -200px;
  pointer-events: none;
}

.cta-inner {
  text-align: center;
  position: relative;
  z-index: 1;
}

.cta-inner h2 {
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 12px;
  letter-spacing: -1px;
}

.cta-inner>p {
  font-size: 17px;
  color: rgba(255, 255, 255, .8);
  margin-bottom: 32px;
}

.cta-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}

.cta-note {
  font-size: 13px;
  color: rgba(255, 255, 255, .5);
}

/* ===== FOOTER ===== */
.footer {
  padding: 64px 0 32px;
  background: var(--gray-800);
}

.footer-top {
  display: flex;
  align-items: flex-start;
  gap: 64px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}

.footer-brand {
  flex-shrink: 0;
  width: 280px;
}

.footer-brand .logo-text {
  color: var(--white);
}

.footer-brand .logo-text strong {
  color: var(--cyan);
}

.footer-brand>p {
  font-size: 13px;
  color: rgba(255, 255, 255, .45);
  margin-top: 14px;
  margin-bottom: 20px;
  line-height: 1.6;
}

.social-links {
  display: flex;
  gap: 12px;
}

.social-links a {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255, 255, 255, .06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, .5);
  transition: var(--transition);
}

.social-links a svg {
  width: 16px;
  height: 16px;
}

.social-links a:hover {
  background: rgba(255, 255, 255, .12);
  color: var(--white);
}

.footer-links {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  flex: 1;
}

.footer-col h5 {
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 16px;
}

.footer-col a {
  display: block;
  font-size: 14px;
  color: rgba(255, 255, 255, .45);
  padding: 4px 0;
  transition: var(--transition);
}

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

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 32px;
  font-size: 13px;
  color: rgba(255, 255, 255, .3);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .hero-visual {
    display: none;
  }

  .hero-inner {
    max-width: 100%;
  }

  .features-grid {
    grid-template-columns: 1fr 1fr;
  }

  .feature-large {
    grid-column: 1 / 3;
    grid-row: auto;
  }

  .tools-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {

  .nav-links,
  .nav-cta {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .hero {
    padding: 110px 0 60px;
  }

  .hero-title {
    font-size: 36px;
    letter-spacing: -1px;
  }

  .hero-stats {
    flex-direction: column;
    gap: 16px;
  }

  .stat-divider {
    width: 80px;
    height: 1px;
  }

  .features-grid {
    grid-template-columns: 1fr;
  }

  .feature-large {
    grid-column: auto;
  }

  .tools-grid {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    flex-direction: column;
    align-items: center;
  }

  .step-arrow {
    transform: rotate(90deg);
    padding: 0;
  }

  .pricing-grid {
    grid-template-columns: 1fr;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .footer-top {
    flex-direction: column;
    gap: 40px;
  }

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

  .footer-bottom {
    flex-direction: column;
    gap: 8px;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .hero-actions {
    flex-direction: column;
    width: 100%;
  }

  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .cta-actions {
    flex-direction: column;
  }

  .cta-actions .btn {
    width: 100%;
    max-width: 280px;
    justify-content: center;
  }

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

/* ===== PAGE HERO (interior pages) ===== */
.page-hero {
  padding: 120px 0 64px;
  text-align: center;
  background: radial-gradient(ellipse 80% 60% at 50% -10%, rgba(27, 58, 122, .07) 0%, transparent 70%);
  border-bottom: 1px solid var(--gray-100);
}

.page-hero .section-tag {
  margin-bottom: 16px;
}

.page-hero-title {
  font-size: clamp(30px, 5vw, 50px);
  font-weight: 800;
  letter-spacing: -1.5px;
  color: var(--gray-800);
  margin-bottom: 14px;
}

.page-hero-sub {
  font-size: 17px;
  color: var(--gray-600);
  max-width: 560px;
  margin: 0 auto 28px;
  line-height: 1.7;
}

.page-section {
  padding: 80px 0;
}

.page-section-gray {
  background: var(--gray-50);
}

.section-sub-title {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 24px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--gray-100);
}

/* ===== FILTER BAR ===== */
.filter-bar {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

/* The outline is an inset shadow rather than a border: a real border set to
   transparent on .active lets the gradient bleed underneath and leaves a halo
   around the capsule, and it also keeps every state exactly the same size. */
.filter-btn {
  padding: 8px 18px;
  border-radius: 50px;
  border: 0;
  box-shadow: inset 0 0 0 1.5px var(--gray-200);
  background: var(--white);
  font-size: 14px;
  font-weight: 500;
  color: var(--gray-600);
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
}

.filter-btn:hover {
  box-shadow: inset 0 0 0 1.5px var(--navy);
  color: var(--navy);
}

.filter-btn.active,
.filter-btn.active:hover {
  background: var(--grad);
  color: #fff;          /* not var(--white) - that flips dark in the dark theme */
  box-shadow: none;
}

/* ===== BLOG ===== */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.blog-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  border-color: rgba(0, 212, 200, .4);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.blog-thumb {
  height: 180px;
  position: relative;
  overflow: hidden;
  flex-shrink: 0;
}

.blog-thumb-bg {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.blog-cat-tag {
  position: absolute;
  top: 12px;
  left: 12px;
  padding: 4px 12px;
  border-radius: 50px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  color: var(--white);
  background: var(--grad);
}

.blog-body {
  padding: 20px 24px 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.blog-body h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--gray-800);
  line-height: 1.4;
  margin-bottom: 10px;
}

.blog-body h3 a {
  color: inherit;
}

.blog-body h3 a:hover {
  color: var(--navy);
}

.blog-excerpt {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.7;
  flex: 1;
  margin-bottom: 16px;
}

.blog-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  border-top: 1px solid var(--gray-100);
  padding-top: 14px;
  margin-top: auto;
}

.blog-author-av {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

.blog-author-name {
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-800);
}

.blog-date-read {
  font-size: 11px;
  color: var(--gray-400);
}

.blog-featured {
  grid-column: 1 / 3;
}

.blog-featured .blog-thumb {
  height: 260px;
}

.blog-featured .blog-body h3 {
  font-size: 20px;
}

/* ===== EVENTS ===== */
.events-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.event-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  gap: 20px;
  transition: var(--transition);
}

.event-card:hover {
  border-color: rgba(0, 212, 200, .4);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.event-date-badge {
  flex-shrink: 0;
  width: 64px;
  text-align: center;
  background: linear-gradient(135deg, rgba(27, 58, 122, .07), rgba(0, 212, 200, .07));
  border: 1px solid rgba(0, 212, 200, .2);
  border-radius: var(--radius-sm);
  padding: 10px 8px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.event-day {
  font-size: 28px;
  font-weight: 800;
  line-height: 1;
  background: var(--grad);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.event-month {
  font-size: 11px;
  font-weight: 700;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: .5px;
}

.event-info {
  flex: 1;
}

.event-type-tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 50px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 8px;
}

.event-type-webinar {
  background: rgba(0, 212, 200, .12);
  color: #0099A0;
}

.event-type-seminar {
  background: rgba(27, 58, 122, .08);
  color: var(--navy);
}

.event-info h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 6px;
  line-height: 1.35;
}

.event-details {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 10px 0;
}

.event-detail {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 12px;
  color: var(--gray-600);
}

.event-detail svg {
  width: 13px;
  height: 13px;
  color: var(--gray-400);
  flex-shrink: 0;
}

.event-actions {
  display: flex;
  gap: 8px;
  margin-top: 14px;
}

.event-card-full {
  grid-column: 1 / 3;
  background: linear-gradient(135deg, var(--navy) 0%, #0E76A8 50%, var(--cyan) 100%);
  flex-direction: column;
  align-items: flex-start;
  padding: 40px;
}

.event-card-full .event-date-badge {
  background: rgba(255, 255, 255, .15);
  border-color: rgba(255, 255, 255, .2);
  width: auto;
  flex-direction: row;
  gap: 8px;
  padding: 10px 16px;
  margin-bottom: 20px;
}

.event-card-full .event-day {
  -webkit-text-fill-color: var(--white);
  color: var(--white);
  background: none;
  font-size: 22px;
}

.event-card-full .event-month {
  color: rgba(255, 255, 255, .8);
  font-size: 14px;
}

.event-card-full h3 {
  color: var(--white);
  font-size: 24px;
}

.event-card-full .event-detail {
  color: rgba(255, 255, 255, .8);
}

.event-card-full .event-detail svg {
  color: rgba(255, 255, 255, .6);
}

.event-card-past {
  opacity: .75;
}

/* ===== LEARNING CENTER ===== */
.video-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.video-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}

.video-card:hover {
  border-color: rgba(0, 212, 200, .4);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.video-thumb {
  position: relative;
  height: 180px;
  cursor: pointer;
  overflow: hidden;
  display: block;
}

.video-thumb-bg {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.video-play-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .92);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(0, 0, 0, .25);
}

.video-play-btn svg {
  width: 22px;
  height: 22px;
  color: var(--navy);
  margin-left: 3px;
}

.video-thumb:hover .video-play-btn {
  transform: scale(1.1);
  background: var(--white);
}

.video-duration {
  position: absolute;
  bottom: 10px;
  right: 10px;
  background: rgba(0, 0, 0, .7);
  color: var(--white);
  font-size: 11px;
  font-weight: 600;
  padding: 3px 8px;
  border-radius: 4px;
}

.video-body {
  padding: 16px 20px 20px;
}

.video-cat {
  font-size: 11px;
  font-weight: 700;
  color: #0099A0;
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 6px;
}

.video-body h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--gray-800);
  line-height: 1.4;
  margin-bottom: 8px;
}

.video-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 12px;
  color: var(--gray-400);
}

/* ===== RESEARCH (public report-cover grid) ===== */
.report-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 240px));
  gap: 20px;
}

.report-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
  cursor: pointer;
}

.report-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: rgba(0, 212, 200, .4);
}

.report-thumb {
  width: 100%;
  height: 160px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  background: linear-gradient(135deg, rgba(27, 58, 122, .06) 0%, rgba(0, 212, 200, .06) 100%);
  color: var(--navy);
}

.report-thumb.has-cover {
  height: auto;
}

.report-thumb svg {
  width: 36px;
  height: 36px;
}

.report-thumb img {
  width: 100%;
  height: auto;
  display: block;
}

.report-card>div {
  min-width: 0;
  padding: 14px 16px 16px;
}

.report-card-title {
  font-size: 14px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 6px;
  line-height: 1.4;
}

.report-card-date {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 12px;
  color: var(--gray-400);
}

.report-card-date svg {
  width: 12px;
  height: 12px;
}

.report-card-tags {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-top: 6px;
}

.tag-badge {
  font-size: 11px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 4px;
  background: rgba(27, 58, 122, .08);
  color: var(--navy);
}

[data-theme="dark"] .tag-badge {
  color: #fff;
}

/* Public research report preview */
.research-preview-overlay {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: rgba(2, 8, 23, .82);
  backdrop-filter: blur(5px);
}

.research-preview-overlay.open { display: flex; }
body.preview-open { overflow: hidden; }

.research-preview-modal {
  position: relative;
  display: grid;
  grid-template-columns: minmax(260px, 420px) minmax(280px, 400px);
  width: min(880px, 100%);
  max-height: calc(100vh - 48px);
  overflow: auto;
  background: var(--white);
  border-radius: 18px;
  box-shadow: 0 24px 80px rgba(0, 0, 0, .35);
}

.research-preview-close {
  position: absolute;
  top: 12px;
  right: 14px;
  z-index: 1;
  width: 38px;
  height: 38px;
  border: 0;
  border-radius: 50%;
  background: rgba(15, 23, 42, .08);
  color: var(--gray-600);
  font-size: 28px;
  line-height: 1;
  cursor: pointer;
}

.research-preview-stage {
  position: relative;
  display: flex;
  min-width: 0;
  background: #e8eef4;
}

.research-preview-slide {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  min-height: 460px;
  padding: 24px;
  background: #e8eef4;
}

.research-preview-slide img {
  display: block;
  max-width: 100%;
  max-height: 70vh;
  object-fit: contain;
  box-shadow: 0 10px 30px rgba(15, 23, 42, .2);
}

.research-preview-nav {
  position: absolute;
  top: 50%;
  width: 40px;
  height: 40px;
  border: 0;
  border-radius: 50%;
  background: rgba(255,255,255,.92);
  color: var(--navy);
  box-shadow: 0 5px 18px rgba(15,23,42,.2);
  cursor: pointer;
  transform: translateY(-50%);
}

.research-preview-prev { left: 12px; }
.research-preview-next { right: 12px; }
.research-preview-nav:disabled { opacity: .25; cursor: default; }

.research-preview-dots {
  position: absolute;
  bottom: 12px;
  left: 50%;
  display: flex;
  gap: 6px;
  padding: 6px 9px;
  border-radius: 20px;
  background: rgba(15,23,42,.55);
  transform: translateX(-50%);
}

.research-preview-dot { width: 7px; height: 7px; border-radius: 50%; background: rgba(255,255,255,.45); }
.research-preview-dot.is-active { background: var(--cyan); }

.research-preview-unavailable { text-align: center; color: var(--gray-500); }
.research-preview-unavailable svg { width: 48px; }

.research-preview-gate {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  padding: 56px 40px 40px;
}

.research-preview-label {
  margin-bottom: 14px;
  color: var(--cyan);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.research-preview-gate h2 { margin-bottom: 12px; color: var(--gray-800); font-size: 24px; }
.research-preview-gate p { margin-bottom: 24px; color: var(--gray-500); line-height: 1.65; }
.research-preview-gate .btn { width: 100%; text-align: center; }
.research-preview-login { align-self: center; margin-top: 16px; color: var(--navy); font-size: 13px; font-weight: 600; }

[data-theme="dark"] .research-preview-modal { background: #1e293b; border: 1px solid #334155; }
[data-theme="dark"] .research-preview-stage { background: #0f172a; }
[data-theme="dark"] .research-preview-close { background: #334155; color: #fff; }
[data-theme="dark"] .research-preview-gate h2 { color: #fff; }
[data-theme="dark"] .research-preview-gate p { color: #94a3b8; }
[data-theme="dark"] .research-preview-login { color: var(--cyan); }

@media (max-width: 720px) {
  .research-preview-modal { grid-template-columns: 1fr; }
  .research-preview-slide { min-height: 280px; padding: 18px; }
  .research-preview-slide img { max-height: 48vh; }
  .research-preview-gate { padding: 28px 24px 30px; }
}

/* ===== INSURANCE ===== */
.insurance-categories {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 48px;
}

.ins-cat-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 24px 20px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
}

.ins-cat-card:hover {
  border-color: var(--cyan);
  box-shadow: 0 0 0 3px rgba(0, 212, 200, .1);
  transform: translateY(-3px);
}

.ins-cat-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  margin: 0 auto 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.ins-cat-icon svg {
  width: 24px;
  height: 24px;
}

.ins-cat-card h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 4px;
}

.ins-cat-card p {
  font-size: 12px;
  color: var(--gray-400);
}

/* ===== PHILLIP BROKER ASURANSI - PRODUCT PANELS ===== */
.ins-cat-5 {
  grid-template-columns: repeat(5, 1fr);
}

.ins-cat-5 .ins-cat-icon {
  background: rgba(0, 212, 200, .10);
  color: var(--navy);
}

.ins-lead {
  color: var(--gray-600);
  font-size: 15px;
  margin-bottom: 28px;
  max-width: 680px;
}

.ins-product-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 340px;
  gap: 32px;
  align-items: start;
}

/* Phillip Broker Asuransi product flyer */
.ins-flyer {
  margin: 0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  background: var(--navy-dark);
  line-height: 0;
}

.ins-flyer img {
  display: block;
  width: 100%;
  height: auto;
}

.ins-flyer-side {
  position: sticky;
  top: 96px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.ins-benefits {
  display: grid;
  gap: 12px;
  margin-bottom: 28px;
}

.ins-benefit {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  border: 1.5px solid var(--cyan);
  border-radius: 999px;
}

.ins-benefit svg {
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  color: var(--navy);
}

.ins-benefit p {
  font-size: 14px;
  color: var(--gray-800);
  font-weight: 500;
}

.ins-list-title {
  font-size: 13px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 10px;
}

.ins-coverage {
  list-style: none;
  display: grid;
  gap: 7px;
}

.ins-coverage li {
  position: relative;
  padding-left: 20px;
  font-size: 14px;
  line-height: 1.6;
  color: var(--gray-600);
}

.ins-coverage li::before {
  content: "";
  position: absolute;
  left: 2px;
  top: 9px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--cyan);
}

/* price card */
.ins-price-card {
  position: relative;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 34px 24px 22px;
  text-align: center;
}

.ins-price-tab {
  position: absolute;
  left: 50%;
  top: -14px;
  transform: translateX(-50%);
  background: var(--grad);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  padding: 5px 18px;
  border-radius: 999px;
  white-space: nowrap;
}

.ins-amount {
  display: flex;
  align-items: flex-end;
  justify-content: center;
  gap: 6px;
  color: var(--navy);
  padding: 6px 0 10px;
}

.ins-amount .ins-cur {
  font-size: 22px;
  font-weight: 800;
  line-height: 1;
  padding-bottom: 8px;
}

.ins-amount .ins-num {
  font-size: 54px;
  font-weight: 800;
  line-height: .85;
  letter-spacing: -.03em;
}

.ins-amount .ins-unit {
  text-align: left;
  padding-bottom: 4px;
}

.ins-amount .ins-unit b {
  display: block;
  font-size: 17px;
  font-weight: 700;
  line-height: 1.15;
}

.ins-amount .ins-unit i {
  display: block;
  font-size: 15px;
  font-weight: 600;
  font-style: normal;
  line-height: 1.15;
  color: var(--gray-600);
}

.ins-amount-words {
  display: block;
  font-size: 26px;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -.01em;
  color: var(--navy);
  padding: 6px 0 12px;
}

.ins-fine {
  border-top: 1px solid var(--gray-200);
  padding-top: 12px;
  text-align: left;
}

.ins-fine b {
  display: block;
  color: var(--gray-800);
  font-size: 12px;
  font-weight: 700;
}

.ins-fine span {
  display: block;
  color: var(--gray-600);
  font-size: 12px;
  line-height: 1.5;
  margin-top: 5px;
}

/* WhatsApp consultation button */
.ins-wa {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-top: 14px;
  padding: 13px 20px;
  border-radius: 999px;
  background: #25D366;
  color: #fff;
  text-decoration: none;
  transition: background .2s, transform .2s;
}

.ins-wa:hover {
  background: #128C7E;
  transform: translateY(-1px);
}

.ins-wa svg {
  width: 26px;
  height: 26px;
  flex-shrink: 0;
}

.ins-wa b {
  display: block;
  font-size: 14px;
  font-weight: 700;
  line-height: 1.2;
}

.ins-wa i {
  display: block;
  font-size: 12px;
  font-style: normal;
  font-weight: 500;
  line-height: 1.3;
  opacity: .9;
}

/* per-product trust row */
.ins-trust-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-top: 28px;
  padding: 20px 8px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--gray-50);
}

.ins-trust-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 4px 20px;
}

.ins-trust-item + .ins-trust-item {
  border-left: 1px solid var(--gray-200);
}

.ins-trust-item svg {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  color: var(--cyan);
}

.ins-trust-item p {
  font-size: 13px;
  line-height: 1.35;
  color: var(--gray-800);
  font-weight: 500;
}

.ins-underwriter {
  margin-top: 14px;
  font-size: 12px;
  line-height: 1.6;
  color: var(--gray-400);
}

.ins-underwriter strong {
  color: var(--gray-600);
  font-weight: 600;
}

.insurance-plans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 48px;
}

.ins-plan-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  transition: var(--transition);
  position: relative;
}

.ins-plan-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.ins-plan-featured {
  border-color: var(--cyan);
  box-shadow: 0 0 0 3px rgba(0, 212, 200, .1);
}

.ins-plan-name {
  font-size: 12px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 8px;
}

.ins-plan-price {
  font-size: 26px;
  font-weight: 800;
  color: var(--gray-800);
  line-height: 1;
  margin-bottom: 4px;
}

.ins-plan-period {
  font-size: 13px;
  color: var(--gray-400);
  margin-bottom: 16px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--gray-100);
}

.ins-plan-features {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
  flex: 1;
}

.ins-plan-features li {
  font-size: 13px;
  color: var(--gray-600);
  display: flex;
  align-items: flex-start;
  gap: 8px;
  line-height: 1.5;
}

.ins-plan-features li::before {
  content: '✓';
  color: #10B981;
  font-weight: 700;
  flex-shrink: 0;
}

/* ===== TOOLS / CALCULATORS ===== */
.tools-tab-nav {
  display: flex;
  gap: 0;
  margin-bottom: 36px;
  border-bottom: 2px solid var(--gray-100);
}

.tools-tab {
  padding: 12px 24px;
  font-size: 15px;
  font-weight: 600;
  color: var(--gray-600);
  cursor: pointer;
  border: none;
  background: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
}

.tools-tab:hover {
  color: var(--navy);
}

.tools-tab.active {
  color: var(--navy);
  border-bottom-color: var(--cyan);
}

.tool-panel {
  display: none;
}

.tool-panel.active {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  align-items: start;
}

.calculator-form {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px;
}

.calculator-form h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 6px;
}

.calculator-form>p {
  font-size: 14px;
  color: var(--gray-600);
  margin-bottom: 24px;
  line-height: 1.6;
}

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

.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-600);
  margin-bottom: 6px;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 10px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-family: 'Inter', sans-serif;
  color: var(--gray-800);
  background: var(--white);
  transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--cyan);
  box-shadow: 0 0 0 3px rgba(0, 212, 200, .12);
}

.input-prefix {
  position: relative;
}

.input-prefix-label {
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-400);
  pointer-events: none;
}

.input-prefix input {
  padding-left: 40px;
}

.calc-result-panel {
  background: linear-gradient(150deg, var(--navy) 0%, #0E76A8 60%, var(--cyan) 100%);
  border-radius: var(--radius);
  padding: 32px;
  color: var(--white);
  position: sticky;
  top: 90px;
}

.calc-result-panel h3 {
  font-size: 13px;
  font-weight: 700;
  color: rgba(255, 255, 255, .7);
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: .5px;
}

.result-main {
  margin-bottom: 20px;
}

.result-main-label {
  font-size: 13px;
  color: rgba(255, 255, 255, .7);
  margin-bottom: 4px;
}

.result-main-value {
  font-size: 32px;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}

.result-items {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 20px;
}

.result-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 14px;
  background: rgba(255, 255, 255, .1);
  border-radius: var(--radius-sm);
}

.result-item-label {
  font-size: 13px;
  color: rgba(255, 255, 255, .75);
}

.result-item-value {
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
}

.result-note {
  font-size: 11px;
  color: rgba(255, 255, 255, .5);
  line-height: 1.6;
}

.calc-result-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 12px;
  padding: 48px 24px;
}

.calc-result-placeholder svg {
  opacity: .4;
  width: 48px;
  height: 48px;
}

.calc-result-placeholder p {
  font-size: 14px;
  color: rgba(255, 255, 255, .6);
}

/* IPO Table */
.ipo-table-wrap {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
}

.data-table th {
  padding: 12px 16px;
  font-size: 12px;
  font-weight: 700;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: .5px;
  text-align: left;
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
}

.data-table td {
  padding: 14px 16px;
  font-size: 14px;
  color: var(--gray-800);
  border-bottom: 1px solid var(--gray-100);
}

.data-table tr:last-child td {
  border-bottom: none;
}

.data-table tr:hover td {
  background: var(--gray-50);
}

.ipo-status {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 50px;
  font-size: 11px;
  font-weight: 700;
}

.status-open {
  background: rgba(16, 185, 129, .12);
  color: #059669;
}

.status-upcoming {
  background: rgba(245, 158, 11, .12);
  color: #B45309;
}

.status-closed {
  background: rgba(100, 116, 139, .12);
  color: var(--gray-600);
}

.return-positive {
  color: #059669;
  font-weight: 600;
}

.return-negative {
  color: #DC2626;
  font-weight: 600;
}

/* ===== MUTUAL FUND ===== */
.mf-cat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 48px;
}

.mf-cat {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 24px 20px;
  text-align: center;
  transition: var(--transition);
}

.mf-cat:hover {
  border-color: rgba(0, 212, 200, .4);
  box-shadow: var(--shadow-md);
}

.mf-cat-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  margin: 0 auto 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.mf-cat-icon svg {
  width: 22px;
  height: 22px;
}

.mf-cat-return {
  font-size: 26px;
  font-weight: 800;
  background: var(--grad);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.mf-cat h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--gray-800);
  margin: 4px 0 2px;
}

.mf-cat p {
  font-size: 12px;
  color: var(--gray-400);
}

.mf-cat-stats {
  font-size: 11px;
  color: var(--gray-400);
  margin-top: 8px;
  padding-top: 8px;
  border-top: 1px solid var(--gray-200);
}

.return-flat {
  color: var(--gray-400);
}

/* list header, search, sorting */
.mf-list-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 16px;
  flex-wrap: wrap;
  gap: 12px;
}

.mf-list-meta {
  font-size: 12px;
  color: var(--gray-400);
}

.mf-search {
  position: relative;
  margin-bottom: 16px;
}

.mf-search svg {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  width: 16px;
  height: 16px;
  color: var(--gray-400);
  pointer-events: none;
}

.mf-search input {
  width: 100%;
  font: inherit;
  font-size: 14px;
  padding: 11px 16px 11px 40px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--gray-800);
  transition: var(--transition);
}

.mf-search input:focus {
  outline: none;
  border-color: var(--cyan);
  box-shadow: 0 0 0 3px rgba(0, 212, 200, .12);
}

.mf-num {
  text-align: right;
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}

.mf-sort {
  cursor: pointer;
  user-select: none;
  white-space: nowrap;
}

.mf-sort:hover {
  color: var(--cyan);
}

.mf-sort::after {
  content: "";
  opacity: .35;
  margin-left: 5px;
}

.mf-sort[data-dir="asc"]::after {
  content: "\2191";
  opacity: 1;
}

.mf-sort[data-dir="desc"]::after {
  content: "\2193";
  opacity: 1;
}

.mf-empty {
  text-align: center;
  padding: 34px 16px;
  color: var(--gray-400);
  font-size: 14px;
}

/* advanced filters */
.mf-filters {
  display: flex;
  align-items: flex-end;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 16px;
}

.mf-filter {
  display: flex;
  flex-direction: column;
  gap: 5px;
  min-width: 180px;
  flex: 1 1 180px;
}

.mf-filter label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--gray-400);
}

.mf-filter select {
  font: inherit;
  font-size: 14px;
  padding: 10px 12px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--gray-800);
  cursor: pointer;
}

.mf-filter select:focus {
  outline: none;
  border-color: var(--cyan);
  box-shadow: 0 0 0 3px rgba(0, 212, 200, .12);
}

.mf-filter-reset {
  font: inherit;
  font-size: 13px;
  font-weight: 600;
  padding: 10px 16px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--gray-600);
  cursor: pointer;
  transition: var(--transition);
}

.mf-filter-reset:hover {
  border-color: var(--cyan);
  color: var(--cyan);
}

/* The list scrolls in place instead of paging. Compound selector on purpose:
   .fund-table-wrap sets `overflow: hidden` further down the file, and at equal
   specificity that shorthand would win and kill vertical scrolling. */
.fund-table-wrap.mf-scroll {
  max-height: 560px;
  overflow-x: auto;
  overflow-y: auto;
  scrollbar-width: thin;
  scrollbar-color: var(--gray-200) transparent;
}

/* Keep the scrollbar permanently visible so it is obvious the list scrolls. */
.mf-scroll::-webkit-scrollbar {
  width: 10px;
}

.mf-scroll::-webkit-scrollbar-track {
  background: var(--gray-50);
  border-radius: 0 var(--radius) var(--radius) 0;
}

.mf-scroll::-webkit-scrollbar-thumb {
  background: var(--gray-200);
  border: 2px solid var(--gray-50);
  border-radius: 999px;
}

.mf-scroll::-webkit-scrollbar-thumb:hover {
  background: var(--gray-400);
}

.mf-scroll thead th {
  position: sticky;
  top: 0;
  z-index: 2;
  background: var(--gray-50);
}

.mf-manager {
  display: block;
  font-size: 11px;
  font-weight: 500;
  color: var(--gray-400);
  margin-top: 2px;
}

.mf-count {
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 10px;
}

.mf-open-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  margin-top: 48px;
}

/* ===== REKSA DANA SIMULATOR (tools) ===== */
.mf-mode {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
  padding: 4px;
  border: 1px solid var(--gray-200);
  border-radius: 999px;
  background: var(--gray-50);
}

.mf-mode-btn {
  font: inherit;
  font-size: 13px;
  font-weight: 600;
  padding: 9px 12px;
  border: 0;
  border-radius: 999px;
  background: transparent;
  color: var(--gray-600);
  cursor: pointer;
  transition: var(--transition);
}

.mf-mode-btn.active {
  background: var(--grad);
  color: #fff;
}

.mf-hint {
  font-size: 11px;
  line-height: 1.55;
  color: var(--gray-400);
  margin-top: 6px;
}

.mf-chart-wrap {
  margin-top: 20px;
}

.mf-chart-wrap canvas {
  display: block;
  width: 100%;
  height: 220px;
}

.mf-legend {
  display: flex;
  justify-content: center;
  gap: 20px;
  margin-top: 8px;
  font-size: 11px;
  color: rgba(255, 255, 255, .75);
}

.mf-legend i {
  display: inline-block;
  width: 14px;
  height: 3px;
  border-radius: 2px;
  margin-right: 6px;
  vertical-align: middle;
}

.mf-legend .k-value {
  background: #00D4C8;
}

.mf-legend .k-dep {
  background: rgba(255, 255, 255, .55);
}

/* category cards act as shortcuts into the filtered list */
.mf-cat[data-cat] {
  cursor: pointer;
}

.mf-cat[data-cat]:focus-visible {
  outline: 2px solid var(--cyan);
  outline-offset: 2px;
}

.mf-disclaimer {
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 14px;
  line-height: 1.6;
}

.fund-table-wrap {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  overflow-x: auto;
}

.fund-type-tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 50px;
  white-space: nowrap;
  font-size: 11px;
  font-weight: 700;
}

.ft-money {
  background: rgba(16, 185, 129, .1);
  color: #059669;
}

.ft-fixed {
  background: rgba(27, 58, 122, .08);
  color: var(--navy);
}

.ft-mixed {
  background: rgba(245, 158, 11, .1);
  color: #B45309;
}

.ft-equity {
  background: rgba(239, 68, 68, .1);
  color: #DC2626;
}

/* ===== APP DEMO (walkthrough video) ===== */
.app-demo {
  max-width: 960px;
  margin: 0 auto;
}

.app-demo-stage {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  background: var(--navy-dark);
  line-height: 0;
}

.app-demo-video {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 16 / 9;
  background: var(--navy-dark);
}

.app-demo-caption {
  margin-top: 14px;
  text-align: center;
  font-size: 13px;
  color: var(--gray-400);
}

.app-demo-chapters {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 28px;
}

.app-demo-chapter {
  font: inherit;
  text-align: left;
  cursor: pointer;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.app-demo-chapter:hover {
  border-color: rgba(0, 212, 200, .5);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.app-demo-chapter.is-active {
  border-color: var(--cyan);
  background: linear-gradient(135deg, rgba(27, 58, 122, .05), rgba(0, 212, 200, .09));
}

.app-demo-time {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .06em;
  color: var(--cyan);
}

.app-demo-chapter strong {
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-800);
}

.app-demo-chapter small {
  font-size: 12px;
  color: var(--gray-600);
}

/* ===== APP STORE ROW ===== */
.app-store-row {
  margin-top: 56px;
  padding: 32px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--gray-50) 0%, rgba(0, 212, 200, .05) 100%);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  flex-wrap: wrap;
}

.app-store-copy h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-800);
  margin-bottom: 6px;
}

.app-store-copy p {
  font-size: 14px;
  color: var(--gray-600);
  max-width: 46ch;
}

.app-store-links {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.app-store-btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  background: var(--gray-800);
  color: var(--white);
  transition: var(--transition);
}

.app-store-btn:hover {
  background: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.app-store-btn svg {
  width: 26px;
  height: 26px;
  flex-shrink: 0;
}

.app-store-btn span {
  display: flex;
  flex-direction: column;
  line-height: 1.25;
}

.app-store-btn small {
  font-size: 11px;
  opacity: .75;
}

.app-store-btn strong {
  font-size: 15px;
  font-weight: 600;
}

/* ===== COMPLIANCE / LICENCE NUMBERS ===== */
.compliance-note {
  margin-top: 20px;
  padding: 22px 24px;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  background: var(--gray-50);
}

.compliance-title {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gray-600);
  margin-bottom: 2px;
}

.compliance-lead {
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-800);
  margin-bottom: 16px;
}

.compliance-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 16px 28px;
}

.compliance-item dt {
  font-size: 12px;
  color: var(--gray-600);
  margin-bottom: 3px;
}

.compliance-item dd {
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-800);
  font-variant-numeric: tabular-nums;
  word-break: break-word;
}

/* ===== RESPONSIVE NEW PAGES ===== */
@media (max-width: 768px) {
  .app-demo-chapters {
    grid-template-columns: 1fr 1fr;
  }

  .app-store-row {
    flex-direction: column;
    align-items: flex-start;
    padding: 24px;
  }

  .compliance-list {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .compliance-note {
    padding: 20px;
  }
}

@media (max-width: 480px) {
  .app-demo-chapters {
    grid-template-columns: 1fr;
  }

  .app-store-links {
    width: 100%;
  }

  .app-store-btn {
    flex: 1;
  }
}

@media (max-width: 1024px) {
  .blog-grid {
    grid-template-columns: 1fr 1fr;
  }

  .blog-featured {
    grid-column: auto;
  }

  .video-grid {
    grid-template-columns: 1fr 1fr;
  }

  .insurance-categories {
    grid-template-columns: repeat(2, 1fr);
  }

  .ins-cat-5 {
    grid-template-columns: repeat(2, 1fr);
  }

  .ins-product-grid {
    grid-template-columns: 1fr;
  }

  .ins-flyer-side {
    position: static;
  }

  .ins-trust-row {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .ins-trust-item + .ins-trust-item {
    border-left: 0;
    border-top: 1px solid var(--gray-200);
    padding-top: 14px;
  }

  .insurance-plans-grid {
    grid-template-columns: 1fr 1fr;
  }

  .mf-cat-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .mf-filters {
    flex-direction: column;
    align-items: stretch;
  }

  .fund-table-wrap.mf-scroll {
    max-height: 460px;
  }

  .tool-panel.active {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .blog-grid {
    grid-template-columns: 1fr;
  }

  .blog-featured {
    grid-column: auto;
  }

  .events-grid {
    grid-template-columns: 1fr;
  }

  .event-card-full {
    grid-column: auto;
  }

  .video-grid {
    grid-template-columns: 1fr;
  }

  .insurance-categories {
    grid-template-columns: 1fr 1fr;
  }

  .insurance-plans-grid {
    grid-template-columns: 1fr;
  }

  .mf-cat-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .data-table {
    font-size: 13px;
  }

  .data-table th,
  .data-table td {
    padding: 10px 12px;
  }
}

/* ===== AUTH PILL BUTTON ===== */
.btn-auth-pill {
  display: inline-flex;
  align-items: center;
  gap: 0;
  background: var(--grad);
  border-radius: 50px;
  padding: 0;
  overflow: hidden;
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  box-shadow: 0 4px 18px rgba(0, 212, 200, .3);
  white-space: nowrap;
  flex-shrink: 0;
}

.btn-auth-pill:hover {
  opacity: .9;
  transform: translateY(-1px);
  box-shadow: 0 6px 24px rgba(0, 212, 200, .45);
}

.auth-login {
  color: rgba(255, 255, 255, .85);
  padding: 10px 14px;
  font-weight: 500;
}

.auth-divider {
  color: rgba(255, 255, 255, .4);
  font-weight: 300;
  font-size: 16px;
}

.auth-signup {
  color: #ffffff;
  padding: 10px 14px;
  font-weight: 700;
}

[data-theme="dark"] .btn-auth-pill {
  box-shadow: 0 4px 18px rgba(0, 212, 200, .2);
}

/* ===== LANGUAGE TOGGLE ===== */
.lang-toggle {
  display: flex;
  align-items: center;
  gap: 4px;
  background: var(--gray-100);
  border: 1.5px solid var(--gray-200);
  border-radius: 50px;
  padding: 3px 10px;
}

.lang-btn {
  background: none;
  border: none;
  cursor: pointer;
  font-size: 12px;
  font-weight: 700;
  font-family: 'Inter', sans-serif;
  color: var(--gray-400);
  padding: 2px 4px;
  border-radius: 4px;
  transition: color var(--transition);
  letter-spacing: .5px;
}

.lang-btn.active {
  color: var(--navy);
}

.lang-divider {
  font-size: 11px;
  color: var(--gray-300);
  line-height: 1;
}

[data-theme="dark"] .lang-toggle {
  background: #1e293b;
  border-color: #334155;
}

[data-theme="dark"] .lang-btn { color: #475569; }
[data-theme="dark"] .lang-btn.active { color: var(--cyan); }
[data-theme="dark"] .lang-divider { color: #334155; }

/* ===== THEME TOGGLE BUTTON ===== */
.theme-toggle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 1.5px solid var(--gray-200);
  background: transparent;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  color: var(--gray-600);
  flex-shrink: 0;
}

.theme-toggle:hover {
  background: var(--gray-100);
  border-color: var(--gray-400);
}

.theme-toggle .icon-sun { display: block; }
.theme-toggle .icon-moon { display: none; }

/* ===== DARK THEME ===== */
[data-theme="dark"] {
  --white: #0F172A;
  --gray-50: #1E293B;
  --gray-100: #273549;
  --gray-200: #334155;
  --gray-400: #64748B;
  --gray-600: #94A3B8;
  --gray-800: #F1F5F9;
}

[data-theme="dark"] body {
  background: #0F172A;
  color: #F1F5F9;
}

[data-theme="dark"] .navbar {
  background: rgba(15, 23, 42, 0.9);
  border-bottom-color: #273549;
}

[data-theme="dark"] .drop-menu {
  background: #1E293B;
  border-color: #334155;
}

[data-theme="dark"] .drop-submenu-menu {
  background: #1E293B;
  border-color: #334155;
}

[data-theme="dark"] .drop-menu a:hover,
[data-theme="dark"] .drop-submenu-menu a:hover,
[data-theme="dark"] .nav-links a:hover,
[data-theme="dark"] .nav-drop-trigger:hover,
[data-theme="dark"] .nav-dropdown:hover .nav-drop-trigger,
[data-theme="dark"] .drop-submenu-trigger:hover,
[data-theme="dark"] .drop-submenu:hover .drop-submenu-trigger {
  background: #273549;
  color: var(--cyan);
}

[data-theme="dark"] .mobile-menu {
  background: #0F172A;
  border-top-color: #273549;
}

[data-theme="dark"] .mobile-menu a:hover,
[data-theme="dark"] .mobile-section-toggle:hover {
  background: #1E293B;
  color: var(--cyan);
}

[data-theme="dark"] .hero {
  background: #0F172A;
}

[data-theme="dark"] .hero-badge,
[data-theme="dark"] .section-tag {
  background: linear-gradient(135deg, rgba(27,58,122,.25), rgba(0,212,200,.15));
  border-color: rgba(0,212,200,.3);
  color: var(--cyan);
}

[data-theme="dark"] .feature-card,
[data-theme="dark"] .tool-card,
[data-theme="dark"] .testimonial-card,
[data-theme="dark"] .step,
[data-theme="dark"] .price-card,
[data-theme="dark"] .blog-card,
[data-theme="dark"] .report-card,
[data-theme="dark"] .video-card,
[data-theme="dark"] .event-card,
[data-theme="dark"] .insurance-card,
[data-theme="dark"] .mf-card,
[data-theme="dark"] .tool-widget,
[data-theme="dark"] .dash-card,
[data-theme="dark"] .portfolio-card {
  background: #1E293B;
  border-color: #334155;
}

[data-theme="dark"] section:not(.cta-section):not(.stats-strip) {
  background: #0F172A;
}

[data-theme="dark"] .features,
[data-theme="dark"] .section-alt,
[data-theme="dark"] .bg-gray,
[data-theme="dark"] .tools-section,
[data-theme="dark"] .trusted,
[data-theme="dark"] .testimonials,
[data-theme="dark"] .pricing,
[data-theme="dark"] .how-it-works,
[data-theme="dark"] .stats-strip {
  background: #111827;
}

[data-theme="dark"] .btn-outline {
  border-color: #334155;
  color: #F1F5F9;
  background: transparent;
}

[data-theme="dark"] .btn-outline:hover {
  border-color: var(--cyan);
  color: var(--cyan);
}

[data-theme="dark"] .btn-white {
  background: #1E293B;
  color: #F1F5F9;
}

[data-theme="dark"] .btn-ghost {
  color: #94A3B8;
}

[data-theme="dark"] .btn-ghost:hover {
  color: var(--cyan);
}

[data-theme="dark"] input,
[data-theme="dark"] select,
[data-theme="dark"] textarea {
  background: #1E293B;
  border-color: #334155;
  color: #F1F5F9;
}

[data-theme="dark"] input::placeholder,
[data-theme="dark"] textarea::placeholder {
  color: #64748B;
}

[data-theme="dark"] .data-table th {
  background: #1E293B;
  color: #94A3B8;
}

[data-theme="dark"] .data-table tr:hover td {
  background: #1E293B;
}

[data-theme="dark"] .data-table td {
  border-bottom-color: #273549;
  color: #F1F5F9;
}

[data-theme="dark"] .theme-toggle {
  border-color: #334155;
  color: #94A3B8;
}

[data-theme="dark"] .theme-toggle:hover {
  background: #1E293B;
  border-color: var(--cyan);
  color: var(--cyan);
}

[data-theme="dark"] .theme-toggle .icon-sun { display: none; }
[data-theme="dark"] .theme-toggle .icon-moon { display: block; }


[data-theme="dark"] .drop-tag {
  background: #273549;
  color: #64748B;
}

[data-theme="dark"] .hamburger span {
  background: #F1F5F9;
}

/* ===== DARK MODE CTA & BUTTONS ===== */
[data-theme="dark"] .cta-section {
  background: linear-gradient(135deg, #080F1A 0%, #0a2240 50%, #083838 100%);
}

[data-theme="dark"] .cta-inner h2 {
  color: #ffffff;
}

[data-theme="dark"] .cta-inner > p {
  color: rgba(255, 255, 255, .8);
}

[data-theme="dark"] .cta-note {
  color: rgba(255, 255, 255, .5);
}

[data-theme="dark"] .btn-white {
  background: #ffffff;
  color: var(--navy);
}

[data-theme="dark"] .btn-white:hover {
  background: #F1F5F9;
}

[data-theme="dark"] .btn-outline-white {
  border-color: rgba(255, 255, 255, .5);
  color: #ffffff;
}

[data-theme="dark"] .btn-outline-white:hover {
  background: rgba(255, 255, 255, .1);
  border-color: #ffffff;
}

[data-theme="dark"] .stats-strip {
  background: #111827;
}

/* ===== DARK MODE FOOTER ===== */
[data-theme="dark"] .footer {
  background: linear-gradient(180deg, #0D1B3E 0%, #080F1A 100%);
}

[data-theme="dark"] .footer-top {
  border-bottom-color: rgba(255, 255, 255, .06);
}

[data-theme="dark"] .footer-bottom {
  border-top-color: rgba(255, 255, 255, .06);
  color: rgba(255, 255, 255, .35);
}

[data-theme="dark"] .footer-col h5 {
  color: #F1F5F9;
}

[data-theme="dark"] .footer-col a {
  color: rgba(255, 255, 255, .5);
}

[data-theme="dark"] .footer-col a:hover {
  color: var(--cyan);
}

[data-theme="dark"] .footer-brand > p {
  color: rgba(255, 255, 255, .4);
}

[data-theme="dark"] .social-links a {
  background: rgba(255, 255, 255, .06);
  color: rgba(255, 255, 255, .5);
}

[data-theme="dark"] .social-links a:hover {
  background: rgba(255, 255, 255, .12);
  color: var(--cyan);
}

/* ===== DARK MODE APP DEMO & STORE ROW ===== */
[data-theme="dark"] .app-demo-chapter {
  background: var(--gray-100);
  border-color: var(--gray-200);
}

[data-theme="dark"] .app-demo-chapter.is-active {
  border-color: var(--cyan);
  background: linear-gradient(135deg, rgba(0, 212, 200, .10), rgba(0, 212, 200, .04));
}

[data-theme="dark"] .app-store-row {
  border-color: var(--gray-200);
  background: linear-gradient(135deg, var(--gray-50) 0%, rgba(0, 212, 200, .06) 100%);
}

[data-theme="dark"] .app-store-btn {
  background: var(--navy);
  color: #fff;
}

[data-theme="dark"] .app-store-btn:hover {
  background: var(--cyan);
  color: var(--navy-dark);
}

[data-theme="dark"] .compliance-note {
  border-color: var(--gray-200);
  background: var(--gray-50);
}

/* Navy reads as near-black on the dark product cards, so lift these to cyan. */
[data-theme="dark"] .ins-amount,
[data-theme="dark"] .ins-amount-words,
[data-theme="dark"] .ins-benefit svg,
[data-theme="dark"] .ins-cat-5 .ins-cat-icon {
  color: var(--cyan);
}

[data-theme="dark"] .ins-amount .ins-unit i {
  color: var(--gray-600);
}