/* ==========================================================================
   Trinabh Investments — AMFI-registered Mutual Fund Distributor (ARN-304846)
   Single shared stylesheet. Mobile-first. CSS variables drive theme.
   ========================================================================== */

/* ----- Design Tokens ----- */
:root {
  --navy-900: #0A1F3A;
  --navy-800: #142A4D;
  --navy-700: #1E3A66;
  --navy-600: #2A4A7A;

  --gold-500: #C9A961;
  --gold-400: #E5C97D;
  --gold-300: #F0DCA0;

  --ivory: #F8F4EC;
  --cream: #FBF8F1;
  --white: #FFFFFF;

  --text-dark: #1A1A1A;
  --text-body: #2C3645;
  --text-muted: #6B7689;
  --text-on-dark: #E8ECF3;
  --text-on-dark-muted: #A8B3C7;

  --border-light: #E5E0D4;
  --border-dark: rgba(201, 169, 97, 0.18);

  --shadow-sm: 0 1px 2px rgba(10, 31, 58, 0.06);
  --shadow-md: 0 4px 16px rgba(10, 31, 58, 0.08);
  --shadow-lg: 0 12px 40px rgba(10, 31, 58, 0.12);
  --shadow-gold: 0 8px 30px rgba(201, 169, 97, 0.25);

  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 16px;

  --font-serif: 'Playfair Display', 'Georgia', serif;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;

  --container: 1240px;
  --header-h: 80px;
  --compliance-h: 36px;

  --ease: cubic-bezier(0.4, 0, 0.2, 1);
}

/* ----- Reset / Base ----- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text-body);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg { max-width: 100%; height: auto; display: block; }
button { font: inherit; cursor: pointer; border: 0; background: none; color: inherit; }
a { color: inherit; text-decoration: none; transition: color 0.2s var(--ease); }
ul, ol { padding: 0; margin: 0; list-style: none; }
input, select, textarea { font: inherit; color: inherit; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
  html { scroll-behavior: auto; }
}

/* ----- Typography ----- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-serif);
  font-weight: 600;
  color: var(--navy-900);
  line-height: 1.2;
  margin: 0 0 0.6em;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.4rem, 5vw, 4rem); font-weight: 700; }
h2 { font-size: clamp(2rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.4rem, 2.2vw, 1.7rem); }
h4 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
.lead { font-size: 1.15rem; color: var(--text-muted); line-height: 1.7; }
.eyebrow {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin: 0 0 1rem;
  display: inline-block;
}
.eyebrow::before { content: '— '; opacity: 0.7; }

/* ----- Layout ----- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section--lg { padding: 120px 0; }
.section--dark { background: var(--navy-900); color: var(--text-on-dark); }
.section--dark h1, .section--dark h2, .section--dark h3, .section--dark h4 { color: var(--ivory); }
.section--cream { background: var(--cream); }
.section--ivory { background: var(--ivory); }
.section-head { text-align: center; max-width: 760px; margin: 0 auto 56px; }
.text-center { text-align: center; }
.gold-rule { width: 60px; height: 2px; background: var(--gold-500); margin: 0 0 24px; border: 0; }
.section-head .gold-rule { margin-left: auto; margin-right: auto; }

/* ----- Buttons ----- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  border-radius: var(--radius-sm);
  transition: all 0.25s var(--ease);
  cursor: pointer;
  border: 1px solid transparent;
  white-space: nowrap;
}
.btn--primary {
  background: var(--gold-500);
  color: var(--navy-900);
}
.btn--primary:hover {
  background: var(--gold-400);
  transform: translateY(-1px);
  box-shadow: var(--shadow-gold);
}
.btn--ghost {
  background: transparent;
  color: var(--ivory);
  border-color: rgba(232, 236, 243, 0.35);
}
.btn--ghost:hover {
  border-color: var(--gold-500);
  color: var(--gold-400);
}
.btn--dark {
  background: var(--navy-900);
  color: var(--ivory);
}
.btn--dark:hover { background: var(--navy-700); }
.btn--lg { padding: 16px 36px; font-size: 1rem; }
.btn--block { display: flex; width: 100%; }

/* ----- Compliance Bar (AMFI mandatory tagline + ARN) ----- */
.compliance-bar {
  background: var(--navy-900);
  border-bottom: 1px solid var(--border-dark);
  color: var(--text-on-dark-muted);
  font-size: 0.78rem;
  letter-spacing: 0.02em;
  position: sticky;
  top: 0;
  z-index: 101;
}
.compliance-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: var(--compliance-h);
  padding: 6px 24px;
  flex-wrap: wrap;
}
.compliance-bar strong { color: var(--gold-400); font-weight: 600; }
.compliance-bar a { color: var(--text-on-dark-muted); }
.compliance-bar a:hover { color: var(--gold-400); }
.compliance-bar__contact { display: none; }
@media (min-width: 768px) { .compliance-bar__contact { display: inline; } }

/* ----- Header ----- */
.header {
  position: sticky;
  top: var(--compliance-h);
  z-index: 100;
  background: rgba(10, 31, 58, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-dark);
  min-height: var(--header-h);
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-h);
  padding: 2px 0;
  gap: 16px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--ivory);
  flex-shrink: 0;
}
.logo__mark {
  width: 40px; height: 40px;
  border: 1.5px solid var(--gold-500);
  display: grid; place-items: center;
  font-family: var(--font-serif);
  font-size: 1.2rem;
  color: var(--gold-500);
  font-weight: 700;
  flex-shrink: 0;
}
.logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.logo__brand {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--ivory);
}
.logo__tagline {
  font-family: var(--font-sans);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--gold-400);
  margin-top: 3px;
}
@media (max-width: 1023px) {
  .logo__brand { font-size: 1.05rem; }
  .logo__tagline { font-size: 0.62rem; }
}
@media (max-width: 480px) {
  .logo__tagline { font-size: 0.58rem; max-width: 180px; }
}

/* Image logo */
.logo--img { gap: 0; }
.logo__img {
  height: calc(var(--header-h) - 4px);
  width: auto;
  display: block;
  object-fit: contain;
}
.logo__img--footer {
  height: 100px;
}
@media (max-width: 1023px) {
  .logo__img { height: 52px; }
}
@media (max-width: 480px) {
  .logo__img { height: 44px; }
}

.nav { display: none; }
.nav__list { display: flex; gap: 4px; align-items: center; }
.nav__item { position: relative; }
.nav__link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 10px 16px;
  color: var(--text-on-dark);
  font-size: 0.92rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  transition: color 0.2s var(--ease);
}
.nav__link:hover, .nav__link[aria-expanded="true"] { color: var(--gold-400); }
.nav__caret { width: 10px; height: 10px; transition: transform 0.2s var(--ease); }
.nav__item--has-dropdown:hover .nav__caret,
.nav__link[aria-expanded="true"] .nav__caret { transform: rotate(180deg); }

.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: var(--navy-800);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
  padding: 10px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all 0.2s var(--ease);
  box-shadow: var(--shadow-lg);
}
.nav__item--has-dropdown:hover .dropdown,
.nav__item--has-dropdown:focus-within .dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown__link {
  display: block;
  padding: 10px 14px;
  color: var(--text-on-dark);
  font-size: 0.9rem;
  border-radius: var(--radius-sm);
}
.dropdown__link:hover { background: var(--navy-700); color: var(--gold-400); }
.dropdown__group-title {
  padding: 10px 14px 6px;
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-500);
  font-weight: 600;
}

.nav__cta { margin-left: 12px; }

.hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.hamburger span {
  width: 24px; height: 2px;
  background: var(--ivory);
  transition: all 0.25s var(--ease);
}
.hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  position: fixed;
  inset: var(--header-h) 0 0;
  background: var(--navy-900);
  padding: 24px;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.3s var(--ease);
  z-index: 99;
}
.mobile-nav[data-open="true"] { transform: translateX(0); }
.mobile-nav__item { border-bottom: 1px solid var(--border-dark); }
.mobile-nav__link {
  display: flex; justify-content: space-between; align-items: center;
  padding: 18px 4px;
  color: var(--ivory);
  font-size: 1.05rem;
  font-weight: 500;
  width: 100%;
}
.mobile-nav__sublist {
  max-height: 0; overflow: hidden;
  transition: max-height 0.3s var(--ease);
}
.mobile-nav__item[data-open="true"] .mobile-nav__sublist { max-height: 500px; }
.mobile-nav__sublink {
  display: block;
  padding: 12px 16px;
  color: var(--text-on-dark-muted);
  font-size: 0.95rem;
}
.mobile-nav__sublink:hover { color: var(--gold-400); }
.mobile-nav .btn { margin-top: 24px; width: 100%; }

@media (min-width: 1024px) {
  .nav { display: flex; align-items: center; }
  .hamburger { display: none; }
  .mobile-nav { display: none; }
}

/* ----- Hero ----- */
.hero {
  position: relative;
  background: radial-gradient(ellipse at 30% 20%, var(--navy-700) 0%, var(--navy-900) 60%);
  color: var(--text-on-dark);
  padding: 100px 0 120px;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 1px 1px, rgba(201, 169, 97, 0.15) 1px, transparent 0);
  background-size: 32px 32px;
  opacity: 0.5;
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-500), transparent);
}
.hero__inner { position: relative; z-index: 1; max-width: 880px; }
.hero__eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  padding: 8px 18px;
  border: 1px solid rgba(201, 169, 97, 0.4);
  border-radius: 100px;
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 28px;
}
.hero__eyebrow::before { content: ''; width: 6px; height: 6px; background: var(--gold-500); border-radius: 50%; }
.hero__title {
  font-size: clamp(2.6rem, 6.5vw, 5.2rem);
  color: var(--ivory);
  line-height: 1.05;
  margin: 0 0 8px;
  font-weight: 700;
}
.hero__title .word { display: inline-block; }
.hero__title .sep {
  display: inline-block;
  width: 8px; height: 8px;
  background: var(--gold-500);
  margin: 0 14px 12px;
  vertical-align: middle;
  transform: rotate(45deg);
}
.hero__sub {
  font-size: clamp(1.05rem, 1.5vw, 1.25rem);
  color: var(--text-on-dark-muted);
  max-width: 640px;
  margin: 24px 0 40px;
  line-height: 1.7;
}
.hero__cta { display: flex; gap: 14px; flex-wrap: wrap; }

/* Hero — page (smaller for inner pages) */
.page-hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: var(--text-on-dark);
  padding: 80px 0 70px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(201, 169, 97, 0.1) 1px, transparent 0);
  background-size: 28px 28px;
}
.page-hero__inner { position: relative; max-width: 820px; }
.page-hero h1 { color: var(--ivory); margin-bottom: 16px; }
.page-hero p { color: var(--text-on-dark-muted); font-size: 1.1rem; max-width: 620px; margin: 0; }
.breadcrumbs {
  font-size: 0.85rem;
  color: var(--text-on-dark-muted);
  margin-bottom: 20px;
  letter-spacing: 0.04em;
}
.breadcrumbs a:hover { color: var(--gold-400); }
.breadcrumbs span { margin: 0 8px; opacity: 0.5; }

/* ----- Trust Strip ----- */
.trust-strip {
  background: var(--navy-800);
  border-top: 1px solid var(--border-dark);
  border-bottom: 1px solid var(--border-dark);
  padding: 22px 0;
}
.trust-strip__list {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0;
  align-items: center;
}
.trust-strip__item {
  padding: 8px 28px;
  color: var(--text-on-dark-muted);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  position: relative;
}
.trust-strip__item + .trust-strip__item::before {
  content: '';
  position: absolute; left: 0; top: 50%;
  width: 1px; height: 18px;
  background: var(--gold-500); opacity: 0.5;
  transform: translateY(-50%);
}
.trust-strip__item strong { color: var(--gold-400); font-weight: 600; }

/* ----- Pillars Section ----- */
.pillars { display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 768px) { .pillars { grid-template-columns: repeat(3, 1fr); } }

.pillar {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  position: relative;
  transition: all 0.3s var(--ease);
}
.pillar:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-500);
}
.pillar__num {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  color: var(--gold-500);
  letter-spacing: 0.1em;
  margin-bottom: 12px;
  display: block;
}
.pillar__icon {
  width: 56px; height: 56px;
  margin-bottom: 20px;
  color: var(--gold-500);
}
.pillar h3 { font-size: 1.7rem; margin-bottom: 14px; }
.pillar p { color: var(--text-muted); margin: 0; line-height: 1.7; }
.pillar__divider {
  height: 1px;
  background: linear-gradient(90deg, var(--gold-500), transparent);
  margin: 20px 0;
}

/* ----- Service Cards ----- */
.cards { display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .cards { grid-template-columns: repeat(3, 1fr); } }

.card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  transition: all 0.3s var(--ease);
  display: flex;
  flex-direction: column;
}
.card:hover {
  border-color: var(--gold-500);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.card__tag {
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-500);
  font-weight: 600;
  margin-bottom: 12px;
}
.card__icon {
  width: 44px; height: 44px;
  margin-bottom: 18px;
  color: var(--navy-700);
}
.card h3 { font-size: 1.3rem; margin-bottom: 10px; }
.card p { color: var(--text-muted); margin: 0 0 16px; flex: 1; }
.card__link {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy-900);
  letter-spacing: 0.04em;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  border-bottom: 1px solid var(--gold-500);
  padding-bottom: 2px;
  align-self: flex-start;
}
.card__link:hover { color: var(--gold-500); gap: 10px; }

/* Card on dark sections */
.section--dark .card {
  background: var(--navy-800);
  border-color: var(--border-dark);
  color: var(--text-on-dark);
}
.section--dark .card h3 { color: var(--ivory); }
.section--dark .card p { color: var(--text-on-dark-muted); }
.section--dark .card__link { color: var(--ivory); }
.section--dark .card__icon { color: var(--gold-400); }

/* ----- Why Trinabh / 3-col value props ----- */
.values { display: grid; gap: 32px; grid-template-columns: 1fr; }
@media (min-width: 768px) { .values { grid-template-columns: repeat(3, 1fr); } }
.value__icon {
  width: 48px; height: 48px;
  color: var(--gold-500);
  margin-bottom: 18px;
}
.value h3 { font-size: 1.3rem; margin-bottom: 10px; }
.value p { color: var(--text-muted); }

/* ----- Process Timeline ----- */
.process {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
  position: relative;
}
@media (min-width: 768px) {
  .process { grid-template-columns: repeat(4, 1fr); gap: 16px; }
  .process::before {
    content: '';
    position: absolute;
    top: 32px; left: 12.5%; right: 12.5%;
    height: 1px;
    background: linear-gradient(90deg, var(--gold-500), var(--gold-300), var(--gold-500));
    opacity: 0.4;
  }
}
.process__step { text-align: center; position: relative; }
.process__num {
  width: 64px; height: 64px;
  border: 1.5px solid var(--gold-500);
  border-radius: 50%;
  display: grid; place-items: center;
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--gold-500);
  background: var(--cream);
  margin: 0 auto 20px;
  position: relative;
  z-index: 1;
}
.section--dark .process__num { background: var(--navy-900); }
.process__step h4 { font-size: 1.1rem; margin-bottom: 8px; }
.process__step p { color: var(--text-muted); font-size: 0.95rem; margin: 0; }
.section--dark .process__step p { color: var(--text-on-dark-muted); }

/* ----- Testimonials ----- */
.testimonial {
  background: var(--ivory);
  border-radius: var(--radius-lg);
  padding: 48px;
  border-left: 3px solid var(--gold-500);
  max-width: 820px;
  margin: 0 auto;
}
.testimonial__quote {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  font-style: italic;
  color: var(--navy-900);
  line-height: 1.5;
  margin: 0 0 24px;
}
.testimonial__quote::before { content: '"'; color: var(--gold-500); font-size: 1.6em; vertical-align: -0.2em; margin-right: 4px; }
.testimonial__author { display: flex; align-items: center; gap: 14px; }
.testimonial__avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--navy-800);
  color: var(--gold-400);
  display: grid; place-items: center;
  font-family: var(--font-serif);
  font-size: 1.1rem;
}
.testimonial__name { font-weight: 600; color: var(--navy-900); }
.testimonial__role { font-size: 0.85rem; color: var(--text-muted); }

.testimonial-nav { display: flex; justify-content: center; gap: 10px; margin-top: 32px; }
.testimonial-dot {
  width: 32px; height: 3px;
  background: rgba(201, 169, 97, 0.3);
  border-radius: 2px;
  transition: background 0.2s var(--ease);
}
.testimonial-dot[aria-current="true"] { background: var(--gold-500); }

/* ----- Blog Cards ----- */
.blog-grid { display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 768px) { .blog-grid { grid-template-columns: repeat(3, 1fr); } }
.blog-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all 0.3s var(--ease);
  display: flex; flex-direction: column;
}
.blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.blog-card__img {
  height: 180px;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-900));
  display: grid; place-items: center;
  position: relative;
}
.blog-card__img::after {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(201, 169, 97, 0.2) 1px, transparent 0);
  background-size: 20px 20px;
}
.blog-card__cat {
  font-size: 0.7rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-500);
  font-weight: 600;
  z-index: 1;
}
.blog-card__body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.blog-card__date { font-size: 0.82rem; color: var(--text-muted); margin-bottom: 8px; }
.blog-card h3 { font-size: 1.2rem; margin-bottom: 10px; }
.blog-card p { color: var(--text-muted); font-size: 0.95rem; flex: 1; }

/* ----- CTA Band ----- */
.cta-band {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  position: relative;
  padding: 80px 0;
  text-align: center;
  color: var(--text-on-dark);
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 50% 0%, rgba(201, 169, 97, 0.15), transparent 60%);
}
.cta-band__inner { position: relative; max-width: 720px; margin: 0 auto; }
.cta-band h2 { color: var(--ivory); margin-bottom: 16px; }
.cta-band p { color: var(--text-on-dark-muted); font-size: 1.1rem; margin-bottom: 32px; }
.cta-band__buttons { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ----- Footer ----- */
.footer {
  background: var(--navy-900);
  color: var(--text-on-dark-muted);
  padding: 70px 0 24px;
  border-top: 1px solid var(--border-dark);
}
.footer__grid {
  display: grid;
  gap: 40px;
  grid-template-columns: 1fr;
  margin-bottom: 50px;
}
@media (min-width: 768px) { .footer__grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer__col h4 {
  color: var(--ivory);
  font-family: var(--font-sans);
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 18px;
}
.footer__col a { display: block; padding: 6px 0; font-size: 0.93rem; }
.footer__col a:hover { color: var(--gold-400); }
.footer__brand p { font-size: 0.95rem; line-height: 1.7; margin: 16px 0 24px; }
.footer__contact-item {
  display: flex; gap: 10px;
  font-size: 0.92rem;
  margin-bottom: 10px;
}
.footer__contact-item svg { flex-shrink: 0; color: var(--gold-500); margin-top: 2px; }
.footer__social { display: flex; gap: 12px; margin-top: 20px; }
.footer__social a {
  width: 38px; height: 38px;
  border: 1px solid var(--border-dark);
  border-radius: 50%;
  display: grid; place-items: center;
  padding: 0;
  transition: all 0.2s var(--ease);
}
.footer__social a:hover { border-color: var(--gold-500); color: var(--gold-400); }
.footer__bottom {
  border-top: 1px solid var(--border-dark);
  padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 16px;
  font-size: 0.84rem;
}
.footer__disclaimer {
  font-size: 0.78rem;
  line-height: 1.7;
  color: var(--text-on-dark-muted);
  opacity: 0.8;
  padding: 16px 0;
  border-top: 1px solid var(--border-dark);
  margin-top: 24px;
}

/* ----- Modal ----- */
.modal-backdrop {
  position: fixed; inset: 0;
  background: rgba(10, 31, 58, 0.75);
  backdrop-filter: blur(6px);
  z-index: 200;
  display: none;
  align-items: flex-start;
  justify-content: center;
  padding: 40px 20px;
  overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
}
.modal-backdrop[data-open="true"] { display: flex; animation: fade-in 0.2s var(--ease); }
.modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  max-width: 480px;
  width: 100%;
  padding: 36px 32px 32px;
  position: relative;
  border-top: 4px solid var(--gold-500);
  animation: slide-up 0.25s var(--ease);
  margin: auto;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.3);
}
.modal h2 { margin-bottom: 6px; }
.modal .field { margin-bottom: 14px; }
.modal .field textarea { min-height: 80px; }
@media (max-height: 720px) {
  .modal { padding: 28px 28px 24px; }
  .modal h2 { font-size: 1.4rem; }
  .modal p { margin-bottom: 16px; font-size: 0.92rem; }
  .modal .field { margin-bottom: 11px; }
  .modal .field input, .modal .field select, .modal .field textarea { padding: 9px 12px; }
  .modal .field textarea { min-height: 64px; }
}
.modal__close {
  position: absolute;
  top: 16px; right: 16px;
  width: 36px; height: 36px;
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--text-muted);
}
.modal__close:hover { background: var(--ivory); color: var(--navy-900); }
.modal h2 { font-size: 1.6rem; margin-bottom: 8px; }
.modal p { color: var(--text-muted); margin-bottom: 24px; }

/* ----- Forms ----- */
.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--navy-900);
  margin-bottom: 6px;
}
.field input, .field select, .field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--text-dark);
  transition: border-color 0.2s var(--ease);
  font-size: 0.95rem;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(201, 169, 97, 0.15);
}
.field textarea { min-height: 110px; resize: vertical; font-family: inherit; }

/* ----- Floating Callback Button ----- */
.fab {
  position: fixed;
  bottom: 24px; right: 24px;
  background: var(--gold-500);
  color: var(--navy-900);
  padding: 14px 22px;
  border-radius: 100px;
  font-weight: 600;
  font-size: 0.92rem;
  box-shadow: var(--shadow-gold);
  z-index: 90;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: transform 0.2s var(--ease), background 0.2s var(--ease);
}
.fab:hover { background: var(--gold-400); transform: translateY(-2px); }
.fab svg { width: 16px; height: 16px; }
@media (max-width: 640px) {
  .fab span { display: none; }
  .fab { padding: 14px; }
}

/* ----- Calculator Layout ----- */
.calc {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
}
@media (min-width: 1024px) { .calc { grid-template-columns: 1fr 1.1fr; } }

.calc__inputs, .calc__results {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 36px;
}
.calc__inputs h3, .calc__results h3 {
  font-size: 1.1rem;
  font-family: var(--font-sans);
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--navy-900);
  margin: 0 0 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border-light);
}
.calc-input { margin-bottom: 28px; }
.calc-input__head {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 10px;
}
.calc-input__label {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--navy-900);
}
.calc-input__value {
  display: inline-flex; align-items: center;
  background: var(--ivory);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 4px 10px;
  font-weight: 600;
  color: var(--navy-900);
  font-variant-numeric: tabular-nums;
  font-size: 0.92rem;
}
.calc-input__value input {
  border: 0; padding: 0; background: transparent;
  width: 100px; text-align: right;
  color: inherit; font-weight: inherit;
  font-variant-numeric: tabular-nums;
}
.calc-input__value input:focus { outline: none; }

input[type="range"] {
  -webkit-appearance: none;
  width: 100%; height: 4px;
  background: var(--border-light);
  border-radius: 2px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  background: var(--gold-500);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(201, 169, 97, 0.4);
  transition: transform 0.15s var(--ease);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.1); }
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--gold-500);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(201, 169, 97, 0.4);
}
.calc-input__minmax {
  display: flex; justify-content: space-between;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 6px;
}

.calc__results {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  color: var(--text-on-dark);
  border: 0;
}
.calc__results h3 { color: var(--gold-400); border-bottom-color: var(--border-dark); }
.calc__result-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 14px 0;
  border-bottom: 1px solid var(--border-dark);
}
.calc__result-row:last-of-type { border-bottom: 0; }
.calc__result-label { color: var(--text-on-dark-muted); font-size: 0.92rem; }
.calc__result-value {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--ivory);
  font-variant-numeric: tabular-nums;
}
.calc__result-value--lg {
  font-size: 2.4rem;
  color: var(--gold-400);
}
.calc__chart-wrap {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid var(--border-dark);
  position: relative;
  height: 280px;
}

.calc__toggle {
  display: inline-flex;
  background: var(--ivory);
  border-radius: var(--radius-sm);
  padding: 3px;
  margin-bottom: 6px;
}
.calc__toggle button {
  padding: 6px 14px;
  font-size: 0.82rem;
  font-weight: 600;
  border-radius: 4px;
  color: var(--text-muted);
}
.calc__toggle button[aria-pressed="true"] {
  background: var(--white);
  color: var(--navy-900);
  box-shadow: var(--shadow-sm);
}

/* Calculator explainer */
.calc-explainer {
  background: var(--ivory);
  border-radius: var(--radius-md);
  padding: 32px;
  margin-top: 40px;
  border-left: 3px solid var(--gold-500);
}
.calc-explainer h3 { font-size: 1.2rem; margin-bottom: 12px; }
.calc-explainer code {
  background: var(--white);
  padding: 2px 8px;
  border-radius: 3px;
  font-size: 0.9em;
  color: var(--navy-900);
  border: 1px solid var(--border-light);
}

/* Compare layout (EMI vs SIP) */
.compare {
  display: grid;
  gap: 16px;
  grid-template-columns: 1fr;
  margin-top: 20px;
}
@media (min-width: 640px) { .compare { grid-template-columns: 1fr 1fr; } }
.compare__col {
  background: rgba(255, 255, 255, 0.05);
  padding: 20px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-dark);
}
.compare__col h4 {
  color: var(--gold-400);
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.compare__col .calc__result-value { font-size: 1.4rem; }

/* ----- FAQ Accordion ----- */
.faq { max-width: 820px; margin: 0 auto; }
.faq__item {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: border-color 0.2s var(--ease);
}
.faq__item[data-open="true"] { border-color: var(--gold-500); }
.faq__q {
  width: 100%;
  text-align: left;
  padding: 20px 24px;
  font-weight: 600;
  color: var(--navy-900);
  display: flex; justify-content: space-between; align-items: center;
  gap: 16px;
  font-size: 1rem;
}
.faq__icon {
  width: 22px; height: 22px;
  flex-shrink: 0;
  color: var(--gold-500);
  transition: transform 0.25s var(--ease);
}
.faq__item[data-open="true"] .faq__icon { transform: rotate(45deg); }
.faq__a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s var(--ease);
}
.faq__item[data-open="true"] .faq__a { max-height: 600px; }
.faq__a-inner {
  padding: 0 24px 22px;
  color: var(--text-muted);
  line-height: 1.75;
}

/* ----- Generic 2-col text + side ----- */
.split {
  display: grid;
  gap: 56px;
  grid-template-columns: 1fr;
  align-items: start;
}
@media (min-width: 1024px) { .split { grid-template-columns: 1fr 1fr; } }
.split__media {
  background: linear-gradient(135deg, var(--navy-700), var(--navy-900));
  border-radius: var(--radius-lg);
  aspect-ratio: 4 / 3;
  position: relative;
  overflow: hidden;
}
.split__media::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(201, 169, 97, 0.18) 1px, transparent 0);
  background-size: 28px 28px;
}
.split__media-inner {
  position: relative;
  height: 100%;
  display: grid; place-items: center;
  padding: 40px;
  color: var(--gold-400);
}

/* ----- Stat block ----- */
.stats {
  display: grid;
  gap: 24px;
  grid-template-columns: repeat(2, 1fr);
}
@media (min-width: 768px) { .stats { grid-template-columns: repeat(4, 1fr); } }
.stat {
  text-align: center;
  padding: 32px 16px;
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-md);
}
.stat__num {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--gold-400);
  font-weight: 700;
  display: block;
}
.stat__label {
  font-size: 0.82rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-on-dark-muted);
  margin-top: 6px;
}

/* ----- Lists with gold checks ----- */
.checklist { margin: 20px 0; }
.checklist li {
  position: relative;
  padding: 8px 0 8px 32px;
  color: var(--text-body);
}
.checklist li::before {
  content: '';
  position: absolute;
  left: 0; top: 14px;
  width: 18px; height: 18px;
  background: var(--gold-500);
  mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>") center/contain no-repeat;
  -webkit-mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>") center/contain no-repeat;
}
.section--dark .checklist li { color: var(--text-on-dark); }

/* ----- Reveal animations ----- */
[data-reveal] {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
[data-reveal][data-visible="true"] {
  opacity: 1;
  transform: translateY(0);
}

@keyframes fade-in { from { opacity: 0; } to { opacity: 1; } }
@keyframes slide-up { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }

/* ----- Utility ----- */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.mb-2 { margin-bottom: 16px; }
.mb-4 { margin-bottom: 32px; }
.gold { color: var(--gold-500); }
.serif { font-family: var(--font-serif); }
.uppercase { text-transform: uppercase; letter-spacing: 0.12em; font-size: 0.78rem; }

/* Skip-link for a11y */
.skip-link {
  position: absolute; left: -9999px; top: auto;
  background: var(--gold-500); color: var(--navy-900);
  padding: 10px 16px; font-weight: 600;
  z-index: 1000;
}
.skip-link:focus { left: 16px; top: 16px; }

/* ----- Article Layout ----- */
.article-layout {
  display: grid;
  gap: 48px;
  grid-template-columns: 1fr;
  align-items: start;
}
@media (min-width: 1024px) { .article-layout { grid-template-columns: 1fr 320px; } }

.article-body {
  max-width: 760px;
}
.article-body p {
  color: var(--text-body);
  font-size: 1.06rem;
  line-height: 1.85;
  margin-bottom: 1.4em;
}
.article-body h2 {
  font-size: clamp(1.35rem, 2.5vw, 1.65rem);
  color: var(--navy-900);
  margin: 2.2em 0 0.6em;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border-light);
}
.article-body h3 {
  font-size: 1.15rem;
  color: var(--navy-900);
  margin: 1.8em 0 0.5em;
}
.article-body ul, .article-body ol {
  margin: 0 0 1.4em 0;
  padding-left: 0;
}
.article-body ul li, .article-body ol li {
  position: relative;
  padding: 5px 0 5px 28px;
  color: var(--text-body);
  font-size: 1.06rem;
  line-height: 1.75;
}
.article-body ul li::before {
  content: '';
  position: absolute;
  left: 0; top: 13px;
  width: 14px; height: 14px;
  background: var(--gold-500);
  mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>") center/contain no-repeat;
  -webkit-mask: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>") center/contain no-repeat;
}
.article-body ol { counter-reset: ol-counter; }
.article-body ol li { counter-increment: ol-counter; }
.article-body ol li::before {
  content: counter(ol-counter) ".";
  position: absolute;
  left: 0; top: 5px;
  font-weight: 700;
  color: var(--gold-500);
  font-size: 0.95rem;
  font-family: var(--font-serif);
  line-height: 1.75;
}
.article-body strong { color: var(--navy-900); font-weight: 600; }
.article-body a { color: var(--gold-500); border-bottom: 1px solid transparent; }
.article-body a:hover { border-bottom-color: var(--gold-500); }
.article-body blockquote {
  margin: 2em 0;
  padding: 24px 28px;
  background: var(--ivory);
  border-left: 4px solid var(--gold-500);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-family: var(--font-serif);
  font-size: 1.18rem;
  color: var(--navy-800);
  font-style: italic;
  line-height: 1.7;
}
.article-body .callout {
  margin: 2em 0;
  padding: 24px 28px;
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  border-radius: var(--radius-md);
  color: var(--text-on-dark);
}
.article-body .callout strong { color: var(--gold-400); }
.article-body .callout p { color: var(--text-on-dark-muted); margin-bottom: 0.5em; font-size: 1rem; }
.article-body .callout p:last-child { margin-bottom: 0; }
.article-body .data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.6em 0;
  font-size: 0.95rem;
}
.article-body .data-table th {
  background: var(--navy-900);
  color: var(--gold-400);
  padding: 12px 16px;
  text-align: left;
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-family: var(--font-sans);
  font-weight: 600;
}
.article-body .data-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border-light);
  color: var(--text-body);
}
.article-body .data-table tr:last-child td { border-bottom: 0; }
.article-body .data-table tr:nth-child(even) td { background: var(--ivory); }

.article-meta {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  align-items: center;
  font-size: 0.88rem;
  color: var(--text-on-dark-muted);
  margin-top: 12px;
}
.article-meta .article-tag {
  background: var(--gold-500);
  color: var(--navy-900);
  padding: 3px 10px;
  border-radius: 100px;
  font-weight: 600;
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.article-divider {
  border: 0;
  height: 1px;
  background: var(--border-light);
  margin: 48px 0;
}

/* Sidebar */
.article-sidebar { display: flex; flex-direction: column; gap: 28px; }
.sidebar-box {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 24px;
  border-top: 3px solid var(--gold-500);
}
@media (min-width: 1024px) { .article-sidebar { position: sticky; top: calc(var(--compliance-h) + var(--header-h) + 24px); } }
.sidebar-box h4 {
  font-family: var(--font-sans);
  font-size: 0.75rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 16px;
}
.sidebar-box .author-name {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  color: var(--navy-900);
  margin-bottom: 4px;
}
.sidebar-box .author-cred {
  font-size: 0.82rem;
  color: var(--gold-500);
  margin-bottom: 12px;
}
.sidebar-box p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.65; margin-bottom: 0; }
.sidebar-related a {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 10px 0;
  border-bottom: 1px solid var(--border-light);
  text-decoration: none;
  transition: color 0.2s var(--ease);
}
.sidebar-related a:last-child { border-bottom: 0; padding-bottom: 0; }
.sidebar-related a:hover h5 { color: var(--gold-500); }
.sidebar-related__dot {
  width: 6px; height: 6px;
  background: var(--gold-500);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 7px;
}
.sidebar-related h5 {
  font-size: 0.9rem;
  font-family: var(--font-sans);
  font-weight: 600;
  color: var(--navy-900);
  margin-bottom: 3px;
  transition: color 0.2s var(--ease);
  line-height: 1.4;
}
.sidebar-related span {
  font-size: 0.78rem;
  color: var(--text-muted);
}

.article-back {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-muted);
  margin-bottom: 40px;
  transition: color 0.2s var(--ease);
}
.article-back:hover { color: var(--gold-500); }