/* ==========================================================================
   ILNB GROUP — Design System
   Financial Services · "Your Financial Doctor"
   Palette derived from the ILNB bull-and-arrows mark.
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root {
  /* Brand greens */
  --ink:          #04160E;
  --forest-900:   #062017;
  --forest-800:   #0A2E20;
  --forest-700:   #0E3D29;
  --forest-600:   #135136;
  --emerald:      #157F4A;
  /* Emerald is a fill colour. As small text on the cream and mint panels it
     lands at 4.27-4.48:1, just under the 4.5:1 WCAG AA threshold. This is the
     same hue darkened purely for text use — the palette is unchanged. */
  --emerald-text: #127442;
  --emerald-400:  #1FA35D;
  --lime:         #A9DC3C;
  --lime-soft:    #C6EA6E;

  /* Neutrals */
  --cream:        #F7F9F4;
  --cream-200:    #EEF3E8;
  --paper:        #FFFFFF;
  --slate-900:    #101A14;
  --slate-700:    #33413A;
  --slate-500:    #5F6E66;
  --slate-300:    #9AA8A0;
  --line:         rgba(10, 46, 32, .10);
  --line-dark:    rgba(255, 255, 255, .12);

  /* Accents */
  --gold:         #C9A54B;
  --gold-soft:    #E7D19A;

  /* Gradients */
  --grad-brand:   linear-gradient(120deg, var(--forest-700) 0%, var(--emerald) 55%, var(--lime) 130%);
  --grad-lime:    linear-gradient(120deg, var(--emerald-400) 0%, var(--lime) 100%);
  --grad-dark:    linear-gradient(160deg, #04160E 0%, #08281B 45%, #0C3A27 100%);
  --grad-gold:    linear-gradient(120deg, var(--gold) 0%, var(--gold-soft) 100%);

  /* Type */
  --font-display: "Playfair Display", "Times New Roman", serif;
  --font-sans:    "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Figures. Playfair's numerals are decorative — high stroke contrast and
     proportional widths — which reads oddly on financial data.
     Inter is used for every number instead. It ships genuine lining and
     tabular figures (verified: Plus Jakarta Sans does not, so tabular-nums
     silently did nothing there), meaning each digit occupies the same width.
     Columns align, and calculator outputs stop jittering as values change. */
  --font-num:     "Inter", "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Space & shape */
  --wrap: 1240px;
  --wrap-narrow: 940px;
  --r-sm: 10px;
  --r-md: 18px;
  --r-lg: 28px;
  --r-xl: 40px;
  --r-pill: 999px;

  /* Shadows */
  --sh-xs: 0 1px 2px rgba(6,32,23,.06);
  --sh-sm: 0 4px 16px rgba(6,32,23,.07);
  --sh-md: 0 14px 40px rgba(6,32,23,.10);
  --sh-lg: 0 30px 80px rgba(6,32,23,.16);
  --sh-glow: 0 20px 60px rgba(21,127,74,.28);

  --ease: cubic-bezier(.22,.61,.36,1);
  --ease-out: cubic-bezier(.16,1,.3,1);

  --nav-h: 78px;
}

/* ---------- 2. Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 110px; overflow-x: hidden; }
body {
  font-family: var(--font-sans);
  font-size: 16.5px;
  line-height: 1.72;
  color: var(--slate-700);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  /* NOTE: overflow-x is deliberately NOT set here. Setting it on <body> makes
     body a scroll container, which silently breaks position:sticky for every
     descendant (the section index inside <main> never sticks). The rule on
     <html> above propagates to the viewport and is what actually suppresses
     horizontal scrolling, so this one was redundant as well as harmful. */
}
img, svg, video { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; color: inherit; }
button { background: none; border: 0; cursor: pointer; }
ul, ol { list-style: none; }
::selection { background: var(--lime); color: var(--forest-900); }

/* Scrollbar */
::-webkit-scrollbar { width: 11px; height: 11px; }
::-webkit-scrollbar-track { background: var(--cream); }
::-webkit-scrollbar-thumb { background: linear-gradient(var(--emerald), var(--forest-700)); border-radius: 20px; border: 3px solid var(--cream); }
::-webkit-scrollbar-thumb:hover { background: var(--forest-700); }

/* ---------- 3. Typography ---------- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--forest-900);
  font-weight: 600;
  line-height: 1.14;
  letter-spacing: -.015em;
}
h1 { font-size: clamp(2.6rem, 5.4vw, 4.6rem); font-weight: 600; }
h2 { font-size: clamp(2rem, 3.7vw, 3.2rem); }
h3 { font-size: clamp(1.35rem, 2.1vw, 1.85rem); }
h4 { font-size: 1.18rem; }
p { color: var(--slate-700); }
strong, b { color: var(--forest-800); font-weight: 700; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .6rem;
  font-family: var(--font-sans);
  font-size: .74rem; font-weight: 700;
  letter-spacing: .22em; text-transform: uppercase;
  color: var(--emerald-text);
  margin-bottom: 1.1rem;
}
.eyebrow::before {
  content: ""; width: 30px; height: 2px; border-radius: 2px;
  background: var(--grad-lime);
}
.eyebrow.centered { justify-content: center; }
.eyebrow.on-dark { color: var(--lime); }

/* ---------- Numerals ----------
   One place that governs how every figure on the site is set. Applied to the
   stat counters, hero trust strip, SIP/step-up calculator, KPI cards, product
   spec tables, step badges, timeline years and index numbers. */
.num-display,
.stat .val,
.hero-trust .num,
.badge-float .bf-num,
.value-item .vi-num,
.card-num,
.acc-idx,
.step-dot,
.calc-row .top .out,
.calc-result .r-val,
.kpi .k-val,
.spec .v,
.risk-meter + *,
.calc-chart .caxis {
  font-family: var(--font-num);
  font-variant-numeric: lining-nums tabular-nums;
  font-feature-settings: "lnum" 1, "tnum" 1;
  letter-spacing: -.015em;
}

/* Large figures carry more weight so they hold their own against the serif
   headlines they sit beside. */
.stat .val,
.hero-trust .num,
.badge-float .bf-num,
.value-item .vi-num { font-weight: 800; letter-spacing: -.028em; }

.calc-result .r-val,
.kpi .k-val,
.spec .v,
.calc-row .top .out { font-weight: 700; }

.card-num, .acc-idx, .step-dot { font-weight: 800; }

/* Any input the user types a number into, and the calculator readouts, get
   tabular figures too so nothing shifts as values change. */
input[type="number"], input[type="tel"],
.calc-legend, .calc-disclaimer { font-variant-numeric: tabular-nums; }

.lead { font-size: 1.14rem; color: var(--slate-500); line-height: 1.8; }
.text-gradient {
  background: var(--grad-lime);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}
.serif-italic { font-style: italic; font-family: var(--font-display); }

/* ---------- 4. Layout ---------- */
.wrap { width: min(100% - 3rem, var(--wrap)); margin-inline: auto; }
.wrap-narrow { width: min(100% - 3rem, var(--wrap-narrow)); margin-inline: auto; }
.section { padding: clamp(4.5rem, 9vw, 8rem) 0; position: relative; }
.section-sm { padding: clamp(3rem, 6vw, 5rem) 0; }
.section-head { max-width: 700px; margin-bottom: 3.2rem; }
.section-head.center { margin-inline: auto; text-align: center; }
.grid { display: grid; gap: 2rem; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); }
.g4 { grid-template-columns: repeat(4, 1fr); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2.5rem, 5vw, 5rem); align-items: center; }
.split.wide-left { grid-template-columns: 1.15fr .85fr; }
.split.wide-right { grid-template-columns: .85fr 1.15fr; }

.bg-cream { background: var(--cream); }
.bg-mint  { background: linear-gradient(180deg, #FFFFFF 0%, var(--cream-200) 100%); }
.bg-dark  { background: var(--grad-dark); color: rgba(255,255,255,.76); }
.bg-dark h1, .bg-dark h2, .bg-dark h3, .bg-dark h3, .bg-dark h4 { color: #fff; }
.bg-dark p { color: rgba(255,255,255,.72); }
.bg-dark strong { color: #fff; }

/* ---------- 5. Buttons ---------- */
.btn {
  --btn-bg: var(--grad-brand);
  position: relative; display: inline-flex; align-items: center; gap: .6rem;
  padding: .95rem 1.8rem;
  font-size: .93rem; font-weight: 700; letter-spacing: .01em;
  border-radius: var(--r-pill);
  color: #fff; background: var(--btn-bg);
  box-shadow: var(--sh-glow);
  transition: transform .38s var(--ease-out), box-shadow .38s var(--ease-out), filter .3s;
  overflow: hidden; isolation: isolate; white-space: nowrap;
}
.btn::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(120deg, var(--lime), var(--emerald-400));
  opacity: 0; transition: opacity .4s var(--ease);
}
.btn:hover { transform: translateY(-3px); box-shadow: 0 26px 60px rgba(21,127,74,.38); }
.btn:hover::after { opacity: 1; }
.btn:active { transform: translateY(-1px); }
.btn svg { width: 17px; height: 17px; flex-shrink: 0; }
.btn .ico { transition: transform .35s var(--ease-out); }
.btn:hover .ico { transform: translateX(4px); }
.form-success svg { width: 18px; height: 18px; flex-shrink: 0; }

.btn-ghost {
  background: transparent; color: var(--forest-800);
  box-shadow: inset 0 0 0 1.5px rgba(10,46,32,.18);
}
.btn-ghost::after { background: var(--forest-800); }
.btn-ghost:hover { color: #fff; box-shadow: 0 18px 40px rgba(6,32,23,.18); }

.btn-light {
  background: #fff; color: var(--forest-800); box-shadow: 0 14px 40px rgba(0,0,0,.18);
}
.btn-light::after { background: var(--grad-lime); }
.btn-light:hover { color: var(--forest-900); }

.btn-outline-light {
  background: transparent; color: #fff; box-shadow: inset 0 0 0 1.5px rgba(255,255,255,.32);
}
.btn-outline-light::after { background: #fff; }
.btn-outline-light:hover { color: var(--forest-800); }

.btn-sm { padding: .68rem 1.3rem; font-size: .84rem; }
.btn-lg { padding: 1.12rem 2.3rem; font-size: 1rem; }

.link-arrow {
  display: inline-flex; align-items: center; gap: .45rem;
  font-weight: 700; font-size: .9rem; color: var(--emerald);
  white-space: nowrap;
  transition: gap .3s var(--ease-out), color .3s;
}
.link-arrow svg { width: 17px; height: 17px; flex-shrink: 0; }
.link-arrow:hover { gap: .85rem; color: var(--forest-700); }

/* ---------- 6. Top bar ---------- */
.topbar {
  background: var(--forest-900);
  color: rgba(255,255,255,.7);
  font-size: .8rem;
  border-bottom: 1px solid rgba(255,255,255,.07);
  position: relative; z-index: 60;
}
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 44px; }
.topbar-left { display: flex; align-items: center; gap: 1.6rem; flex-wrap: wrap; }
.topbar a, .topbar-left > span { display: inline-flex; align-items: center; gap: .45rem; transition: color .25s; }
.topbar svg { flex-shrink: 0; }
.topbar a:hover { color: var(--lime); }
.topbar svg { width: 14px; height: 14px; opacity: .8; }
.topbar-socials { display: flex; gap: .5rem; }
.topbar-socials a {
  width: 28px; height: 28px; border-radius: 50%;
  display: grid; place-items: center;
  background: rgba(255,255,255,.07);
  transition: background .3s var(--ease), transform .3s var(--ease-out), color .3s;
}
.topbar-socials a:hover { background: var(--grad-lime); color: var(--forest-900); transform: translateY(-2px); }
.topbar-socials svg { width: 13px; height: 13px; opacity: 1; }

/* ---------- 7. Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 90;
  background: rgba(255,255,255,.82);
  backdrop-filter: saturate(180%) blur(18px);
  -webkit-backdrop-filter: saturate(180%) blur(18px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .35s var(--ease), background .35s var(--ease);
}
.site-header.scrolled { box-shadow: 0 10px 40px rgba(6,32,23,.09); background: rgba(255,255,255,.94); }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; min-height: var(--nav-h); }
.brand { display: flex; align-items: center; gap: .8rem; flex-shrink: 0; }
.brand img { height: 50px; width: auto; transition: transform .4s var(--ease-out); }
.brand:hover img { transform: scale(1.04); }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-display); font-size: 1.22rem; font-weight: 700; color: var(--forest-900); letter-spacing: -.01em; }
.brand-tag { font-size: .6rem; letter-spacing: .19em; text-transform: uppercase; color: var(--emerald); font-weight: 700; }

.nav-menu { display: flex; align-items: center; gap: .2rem; }
.nav-menu > li > a, .nav-menu > li > button {
  position: relative; display: inline-flex; align-items: center; gap: .3rem;
  padding: .6rem .95rem; border-radius: var(--r-pill);
  font-size: .93rem; font-weight: 600; color: var(--slate-700);
  transition: color .28s var(--ease), background .28s var(--ease);
}
.nav-menu > li > a::after {
  content: ""; position: absolute; left: 50%; bottom: .28rem;
  width: 0; height: 2px; border-radius: 2px; background: var(--grad-lime);
  transform: translateX(-50%); transition: width .35s var(--ease-out);
}
.nav-menu > li > a:hover, .nav-menu > li > button:hover { color: var(--forest-800); }
.nav-menu > li > a:hover::after, .nav-menu > li.active > a::after { width: 22px; }
.nav-menu > li.active > a { color: var(--forest-900); }
.nav-menu .caret { width: 11px; height: 11px; transition: transform .35s var(--ease-out); }
.has-mega:hover .caret { transform: rotate(180deg); }

/* Mega menu */
.mega {
  position: absolute; left: 50%; top: calc(100% - 4px);
  transform: translate(-50%, 14px);
  width: min(1180px, calc(100vw - 3rem));
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-lg);
  padding: 1.6rem;
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity .32s var(--ease), transform .42s var(--ease-out), visibility .32s;
  z-index: 95;
}
.has-mega { position: static; }
.nav-menu { position: relative; }
.has-mega:hover .mega, .has-mega:focus-within .mega {
  opacity: 1; visibility: visible; pointer-events: auto; transform: translate(-50%, 0);
}
.mega-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .4rem; }

/* Grouped columns: Invest | Insurance (wide, two-up) | Alternatives */
.mega-cols { display: grid; grid-template-columns: 1fr 1.95fr 1fr; gap: 1.3rem; align-items: start; }
.mega-col + .mega-col { border-left: 1px solid var(--line); padding-left: 1.3rem; }
.mega-col-head {
  display: flex; align-items: center; gap: .5rem;
  font-family: var(--font-sans); font-size: .7rem; font-weight: 800;
  letter-spacing: .15em; text-transform: uppercase; color: var(--slate-500);
  padding: 0 .85rem .75rem; margin-bottom: .25rem;
  border-bottom: 1px solid var(--line);
}
a.mega-col-head { transition: color .25s var(--ease); }
a.mega-col-head:hover { color: var(--emerald); }
.mch-ico { display: inline-flex; color: var(--emerald); }
.mch-ico svg { width: 14px; height: 14px; }
.mch-all {
  margin-left: auto; display: inline-flex; align-items: center; gap: .25rem;
  font-size: .66rem; letter-spacing: .08em; color: var(--emerald); opacity: .85;
}
.mch-all svg { width: 12px; height: 12px; }
.mega-col-items { display: grid; gap: .1rem; }
.mega-col-items.two { grid-template-columns: 1fr 1fr; gap: .1rem .4rem; }

.mega-item {
  display: flex; gap: .85rem; align-items: flex-start;
  padding: .8rem .85rem; border-radius: var(--r-md);
  transition: background .28s var(--ease), transform .28s var(--ease-out);
}
.mega-item:hover { background: var(--cream); transform: translateX(3px); }
.mega-ico {
  flex: 0 0 38px; height: 38px; border-radius: 11px;
  display: grid; place-items: center;
  background: linear-gradient(140deg, rgba(21,127,74,.10), rgba(169,220,60,.20));
  color: var(--emerald);
  transition: background .3s, color .3s;
}
.mega-item:hover .mega-ico { background: var(--grad-brand); color: #fff; }
.mega-ico svg { width: 18px; height: 18px; }
.mega-title { display: block; font-size: .89rem; font-weight: 700; color: var(--forest-900); line-height: 1.3; }
.mega-desc { display: block; font-size: .76rem; color: var(--slate-500); line-height: 1.5; margin-top: .12rem; }
.mega-foot {
  margin-top: 1.1rem; padding-top: 1.1rem; border-top: 1px solid var(--line);
  display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
}
.mega-foot p { font-size: .84rem; color: var(--slate-500); }

.nav-cta { display: flex; align-items: center; gap: .7rem; flex-shrink: 0; }

/* ---------- Sign-in menu ---------- */
.signin { position: relative; }
.signin-btn .caret { transition: transform .35s var(--ease-out); }
.signin.open .signin-btn .caret { transform: rotate(180deg); }

.signin-menu {
  position: absolute; top: calc(100% + .6rem); right: 0;
  width: 268px; padding: .5rem;
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--r-md); box-shadow: var(--sh-lg);
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: opacity .28s var(--ease), transform .34s var(--ease-out), visibility .28s;
  z-index: 96;
}
.signin.open .signin-menu { opacity: 1; visibility: visible; transform: translateY(0); }

.signin-item {
  display: flex; align-items: center; gap: .75rem; width: 100%;
  padding: .7rem .75rem; border-radius: var(--r-sm);
  text-align: left; color: var(--forest-900);
  transition: background .25s var(--ease);
}
.signin-item:hover { background: var(--cream); }
.signin-item .si-ico {
  flex: 0 0 34px; height: 34px; border-radius: 10px; display: grid; place-items: center;
  background: linear-gradient(140deg, rgba(21,127,74,.10), rgba(169,220,60,.22));
  color: var(--emerald);
  transition: background .3s, color .3s;
}
.signin-item:hover .si-ico { background: var(--grad-brand); color: #fff; }
.signin-item .si-ico svg { width: 16px; height: 16px; }
.signin-item .si-t { display: block; font-size: .89rem; font-weight: 700; line-height: 1.25; }
.signin-item .si-d { display: block; font-size: .74rem; color: var(--slate-500); margin-top: .1rem; }
.signin-item .si-end { margin-left: auto; color: var(--slate-300); display: grid; place-items: center; }
.signin-item .si-end svg { width: 14px; height: 14px; transition: transform .3s var(--ease-out); }
.signin-item:hover .si-end { color: var(--emerald); }

.signin-sep { height: 1px; background: var(--line); margin: .35rem .4rem; }

/* Nested staff submenu */
.signin-group.open .signin-toggle .si-end svg { transform: rotate(90deg); }
.signin-sub {
  max-height: 0; overflow: hidden;
  transition: max-height .4s var(--ease-out);
}
.signin-group.open .signin-sub { max-height: 220px; }
.signin-sub .signin-item { padding-left: 1.1rem; }
.signin-sub .signin-item .si-ico {
  flex-basis: 26px; height: 26px; border-radius: 8px;
  background: var(--cream-200); color: var(--forest-700);
}
.signin-sub .signin-item:hover .si-ico { background: var(--grad-brand); color: #fff; }
.signin-sub .signin-item .si-ico svg { width: 13px; height: 13px; }
.signin-sub .signin-item .si-t { font-size: .85rem; }

/* Link not configured yet */
.signin-item.pending { cursor: not-allowed; opacity: .62; }
.signin-item.pending:hover { background: transparent; }
.signin-item.pending:hover .si-ico { background: var(--cream-200); color: var(--forest-700); }
.signin-item .si-tag {
  margin-left: auto; font-size: .6rem; font-weight: 800; letter-spacing: .1em;
  text-transform: uppercase; color: var(--gold);
  background: rgba(201,165,75,.14); padding: .2rem .45rem; border-radius: var(--r-pill);
}

/* Drawer variant */
.drawer-signin { border-top: 1px solid var(--line); margin-top: .4rem; padding-top: .4rem; }
.drawer-signin .signin-item { padding: .85rem 0; border-radius: 0; }
.drawer-signin .signin-item:hover { background: transparent; }
.drawer-signin .signin-sub .signin-item { padding-left: .9rem; }

/* Burger */
.burger {
  display: none; width: 44px; height: 44px; border-radius: 12px;
  background: var(--cream); place-items: center;
  transition: background .3s;
}
.burger:hover { background: var(--cream-200); }
.burger span { display: block; width: 19px; height: 2px; border-radius: 2px; background: var(--forest-800); transition: transform .38s var(--ease-out), opacity .25s; }
.burger span + span { margin-top: 4.5px; }
body.drawer-open .burger span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
body.drawer-open .burger span:nth-child(2) { opacity: 0; }
body.drawer-open .burger span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* Mobile drawer */
.drawer {
  position: fixed; inset: 0 0 0 auto; width: min(400px, 88vw);
  background: #fff; z-index: 120;
  transform: translateX(102%);
  transition: transform .5s var(--ease-out);
  display: flex; flex-direction: column;
  box-shadow: -20px 0 60px rgba(6,32,23,.2);
  overflow-y: auto;
}
body.drawer-open .drawer { transform: translateX(0); }
.drawer-head { display: flex; align-items: center; justify-content: space-between; padding: 1.1rem 1.4rem; border-bottom: 1px solid var(--line); }
.drawer-close { width: 38px; height: 38px; border-radius: 10px; background: var(--cream); display: grid; place-items: center; }
.drawer-close svg { width: 18px; height: 18px; transform: rotate(45deg); }
.drawer-nav { padding: 1rem 1.4rem 2rem; }
.drawer-nav > li > a, .drawer-acc-btn {
  display: flex; align-items: center; justify-content: space-between; width: 100%;
  padding: .95rem 0; font-size: 1.02rem; font-weight: 600; color: var(--forest-900);
  border-bottom: 1px solid var(--line);
}
.drawer-acc-btn .caret { width: 13px; transition: transform .35s var(--ease-out); }
.drawer-acc.open .drawer-acc-btn .caret { transform: rotate(180deg); }
.drawer-sub { max-height: 0; overflow: hidden; transition: max-height .5s var(--ease-out); }
.drawer-acc.open .drawer-sub { max-height: 1600px; }
.drawer-sub a { display: block; padding: .6rem 0 .6rem 1rem; font-size: .9rem; color: var(--slate-500); border-left: 2px solid var(--line); }
.drawer-sub a:hover { color: var(--emerald); border-color: var(--lime); }
.drawer-sub .drawer-sub-head {
  display: block; padding: 1rem 0 .45rem;
  font-family: var(--font-sans); font-size: .68rem; font-weight: 800;
  letter-spacing: .15em; text-transform: uppercase; color: var(--forest-900);
  border-left: 0;
}
.drawer-sub .drawer-sub-head:first-child { padding-top: .4rem; }
.drawer-sub a.drawer-sub-head { color: var(--emerald); }
.drawer-foot { margin-top: auto; padding: 1.4rem; background: var(--cream); }
.scrim {
  position: fixed; inset: 0; background: rgba(4,22,14,.45);
  backdrop-filter: blur(3px); z-index: 110;
  opacity: 0; visibility: hidden; transition: opacity .4s var(--ease), visibility .4s;
}
body.drawer-open .scrim { opacity: 1; visibility: visible; }
/* Paired with openDrawer()/closeDrawer() in main.js, which sets `top` to the
   captured scroll offset. `position: fixed` is what actually holds the page on
   iOS Safari — `overflow: hidden` alone does not. */
body.drawer-open { position: fixed; left: 0; right: 0; width: 100%; overflow: hidden; }

/* Scroll progress */
.progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0;
  background: var(--grad-lime); z-index: 200;
  box-shadow: 0 0 14px rgba(169,220,60,.7);
  transition: width .12s linear;
}

/* ---------- 8. Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background: var(--grad-dark);
  padding: clamp(4rem, 8vw, 7rem) 0 clamp(5rem, 9vw, 8rem);
  color: rgba(255,255,255,.78);
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(900px 520px at 78% 18%, rgba(31,163,93,.34), transparent 62%),
    radial-gradient(700px 460px at 8% 88%, rgba(169,220,60,.20), transparent 60%),
    radial-gradient(500px 380px at 45% 5%, rgba(201,165,75,.13), transparent 60%);
  animation: meshDrift 22s ease-in-out infinite alternate;
}
@keyframes meshDrift {
  0%   { transform: scale(1) translate(0,0); }
  100% { transform: scale(1.12) translate(-2%, 2%); }
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(circle at 50% 40%, #000 20%, transparent 78%);
  -webkit-mask-image: radial-gradient(circle at 50% 40%, #000 20%, transparent 78%);
}
.hero .wrap { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.hero h1 { color: #fff; margin-bottom: 1.4rem; }
.hero h1 em { font-style: italic; color: var(--lime); }
.hero p.lead { color: rgba(255,255,255,.74); max-width: 54ch; }
.hero-actions { display: flex; gap: .9rem; flex-wrap: wrap; margin-top: 2.2rem; }

.pill {
  display: inline-flex; align-items: center; gap: .55rem;
  padding: .48rem 1rem .48rem .55rem;
  border-radius: var(--r-pill);
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.14);
  font-size: .8rem; font-weight: 600; color: rgba(255,255,255,.85);
  margin-bottom: 1.6rem;
  backdrop-filter: blur(8px);
}
.pill .dot {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--grad-lime); display: grid; place-items: center;
  color: var(--forest-900); flex-shrink: 0;
}
.pill .dot svg { width: 12px; height: 12px; }

.hero-trust { display: flex; gap: 2.4rem; margin-top: 2.8rem; flex-wrap: wrap; }
.hero-trust .num { font-family: var(--font-num); font-size: 1.95rem; color: #fff; line-height: 1; font-weight: 600; }
.hero-trust .lbl { font-size: .76rem; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.55); margin-top: .4rem; }

/* Hero visual */
.hero-visual { position: relative; min-height: 440px; }
.hero-card {
  position: absolute; border-radius: var(--r-lg);
  background: rgba(255,255,255,.09);
  border: 1px solid rgba(255,255,255,.16);
  backdrop-filter: blur(22px) saturate(160%);
  -webkit-backdrop-filter: blur(22px) saturate(160%);
  box-shadow: 0 30px 70px rgba(0,0,0,.30);
  padding: 1.25rem 1.4rem;
}
.hero-card-main { inset: 0 auto auto 0; width: 100%; padding: 1.6rem; }
.hero-card h2, .hero-card h3, .hero-card h4 { color: #fff; font-family: var(--font-sans); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.6); font-weight: 700; }
.hero-chart { width: 100%; height: auto; margin-top: .8rem; }
.hero-chart .line { stroke-dasharray: 720; stroke-dashoffset: 720; animation: draw 2.6s var(--ease-out) .5s forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }
.hero-chart .bar { transform-origin: bottom; animation: growBar .9s var(--ease-out) backwards; }
@keyframes growBar { from { transform: scaleY(0); } }

.float-card {
  position: absolute; z-index: 3;
  border-radius: var(--r-md);
  background: rgba(255,255,255,.95);
  box-shadow: 0 24px 60px rgba(0,0,0,.28);
  padding: .85rem 1.05rem;
  display: flex; align-items: center; gap: .75rem;
  animation: bob 6s ease-in-out infinite;
}
.float-card .fc-ico { width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; background: var(--grad-lime); color: var(--forest-900); flex-shrink: 0; }
.float-card .fc-ico svg { width: 17px; height: 17px; }
.float-card .fc-num { display: block; font-family: var(--font-display); font-size: 1.12rem; font-weight: 700; color: var(--forest-900); line-height: 1.2; }
.float-card .fc-lbl { display: block; font-size: .68rem; color: var(--slate-500); letter-spacing: .04em; line-height: 1.4; }
.fc-a { top: -30px; right: -26px; animation-delay: 0s; }
.fc-b { bottom: -46px; left: -26px; animation-delay: 1.4s; }
@keyframes bob { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-13px); } }

/* Marquee */
.marquee {
  overflow: hidden; position: relative;
  background: var(--forest-900); border-top: 1px solid rgba(255,255,255,.08);
  border-bottom: 1px solid rgba(255,255,255,.08);
  padding: .95rem 0;
}
.marquee-track { display: flex; gap: 3.2rem; width: max-content; animation: slide 34s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes slide { to { transform: translateX(-50%); } }
.marquee-item {
  display: inline-flex; align-items: center; gap: .6rem;
  font-size: .84rem; font-weight: 600; letter-spacing: .06em;
  color: rgba(255,255,255,.62); text-transform: uppercase; white-space: nowrap;
}
.marquee-item svg { width: 15px; height: 15px; color: var(--lime); }

/* ---------- 9. Page hero (interior) ---------- */
.page-hero {
  position: relative; overflow: hidden;
  background: var(--grad-dark);
  padding: clamp(3.5rem, 7vw, 6rem) 0 clamp(3.5rem, 7vw, 5.5rem);
  text-align: center;
}
.page-hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(760px 420px at 50% -10%, rgba(31,163,93,.36), transparent 65%),
    radial-gradient(560px 340px at 88% 100%, rgba(169,220,60,.16), transparent 62%);
}
.page-hero::after {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(circle at 50% 50%, #000, transparent 75%);
  -webkit-mask-image: radial-gradient(circle at 50% 50%, #000, transparent 75%);
}
.page-hero .wrap { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; margin-bottom: .8rem; }
.page-hero p { color: rgba(255,255,255,.72); max-width: 62ch; margin-inline: auto; }
.crumbs { display: flex; justify-content: center; gap: .5rem; font-size: .82rem; color: rgba(255,255,255,.5); margin-top: 1.6rem; }
.crumbs a:hover { color: var(--lime); }
.crumbs span { color: rgba(255,255,255,.28); }

/* ---------- 10. Cards ---------- */
.card {
  position: relative; background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 2rem 1.8rem;
  transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out), border-color .4s;
  overflow: hidden;
}
.card::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(150deg, rgba(21,127,74,.05), rgba(169,220,60,.07));
  opacity: 0; transition: opacity .45s var(--ease);
}
.card > * { position: relative; z-index: 1; }
.card:hover { transform: translateY(-7px); box-shadow: var(--sh-md); border-color: rgba(21,127,74,.22); }
.card:hover::before { opacity: 1; }
.card h3, .card h3, .card h4 { margin-bottom: .6rem; }
.card p { font-size: .95rem; color: var(--slate-500); }

.card-ico {
  width: 56px; height: 56px; border-radius: 16px;
  display: grid; place-items: center; margin-bottom: 1.3rem;
  background: linear-gradient(140deg, rgba(21,127,74,.10), rgba(169,220,60,.22));
  color: var(--emerald);
  transition: background .45s var(--ease), color .45s, transform .5s var(--ease-out);
}
.card:hover .card-ico { background: var(--grad-brand); color: #fff; transform: rotate(-6deg) scale(1.06); }
.card-ico svg { width: 25px; height: 25px; }

.card-num {
  position: absolute; top: 1.1rem; right: 1.4rem;
  font-family: var(--font-num); font-size: 3.2rem; font-weight: 700;
  color: rgba(10,46,32,.05); line-height: 1; z-index: 0;
}

/* Service card variant with footer link */
.card .link-arrow { margin-top: 1.1rem; }

/* Feature list */
.check-list { display: grid; gap: .85rem; }
.check-list li { display: flex; gap: .8rem; align-items: flex-start; font-size: .97rem; color: var(--slate-700); }
.check-list .tick {
  flex: 0 0 22px; height: 22px; border-radius: 50%; margin-top: .22rem;
  background: var(--grad-lime); color: var(--forest-900);
  display: grid; place-items: center;
}
.check-list .tick svg { width: 12px; height: 12px; }
.bg-dark .check-list li { color: rgba(255,255,255,.78); }

/* ---------- 11. Stats ---------- */
.stats-band { position: relative; overflow: hidden; }
.stat { text-align: center; padding: 1.4rem .6rem; position: relative; }
.stat + .stat::before {
  content: ""; position: absolute; left: 0; top: 22%; bottom: 22%; width: 1px;
  background: linear-gradient(transparent, var(--line), transparent);
}
.bg-dark .stat + .stat::before { background: linear-gradient(transparent, rgba(255,255,255,.16), transparent); }
.stat .val {
  font-family: var(--font-num); font-weight: 700;
  font-size: clamp(2.4rem, 4.4vw, 3.5rem); line-height: 1;
  color: var(--forest-900);
  display: flex; align-items: baseline; justify-content: center; gap: .06em;
}
.bg-dark .stat .val { color: #fff; }
.stat .val .suffix { color: var(--emerald); }
.bg-dark .stat .val .suffix { color: var(--lime); }
.stat .lbl { font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: var(--slate-500); margin-top: .7rem; font-weight: 600; }
.bg-dark .stat .lbl { color: rgba(255,255,255,.55); }

/* ---------- 12. Media frames ---------- */
.frame { position: relative; }
.frame-art {
  border-radius: var(--r-xl); overflow: hidden;
  box-shadow: var(--sh-lg);
  background: var(--grad-dark);
}
.frame-art svg { width: 100%; height: auto; display: block; }
.frame::after {
  content: ""; position: absolute; inset: auto -18px -18px auto;
  width: 62%; height: 62%; z-index: -1;
  border-radius: var(--r-xl);
  background: var(--grad-lime); opacity: .16;
  filter: blur(6px);
}
.badge-float {
  position: absolute; bottom: -22px; left: -18px;
  background: #fff; border-radius: var(--r-md);
  box-shadow: var(--sh-md); padding: 1rem 1.3rem;
  display: flex; align-items: center; gap: .9rem;
}
.badge-float .bf-num { font-family: var(--font-num); font-size: 1.9rem; font-weight: 700; color: var(--forest-900); line-height: 1; }
.badge-float .bf-lbl { font-size: .74rem; letter-spacing: .09em; text-transform: uppercase; color: var(--slate-500); font-weight: 600; }
.badge-float .bf-bar { width: 3px; height: 38px; border-radius: 3px; background: var(--grad-lime); }

/* ---------- 13. Philosophy / accordion ---------- */
.acc-item {
  border-bottom: 1px solid var(--line);
  transition: background .35s var(--ease);
}
.bg-dark .acc-item { border-color: var(--line-dark); }
.acc-btn {
  width: 100%; display: flex; align-items: center; gap: 1.1rem;
  padding: 1.35rem .4rem; text-align: left;
}
.acc-idx {
  font-family: var(--font-num); font-size: .95rem; font-weight: 700;
  color: var(--emerald-text); flex-shrink: 0; width: 30px;
}
.bg-dark .acc-idx { color: var(--lime); }
.acc-ttl { flex: 1; font-family: var(--font-display); font-size: clamp(1.1rem, 1.8vw, 1.42rem); font-weight: 600; color: var(--forest-900); transition: color .3s; }
.bg-dark .acc-ttl { color: #fff; }
.acc-sign {
  flex-shrink: 0; width: 34px; height: 34px; border-radius: 50%;
  border: 1px solid var(--line); display: grid; place-items: center;
  transition: background .35s var(--ease), border-color .35s, transform .45s var(--ease-out), color .3s;
  color: var(--forest-800);
}
.bg-dark .acc-sign { border-color: var(--line-dark); color: #fff; }
.acc-item.open .acc-sign { background: var(--grad-brand); border-color: transparent; color: #fff; transform: rotate(135deg); }
.acc-sign svg { width: 14px; height: 14px; }
.acc-panel { max-height: 0; overflow: hidden; transition: max-height .55s var(--ease-out); }
.acc-panel-inner { padding: 0 .4rem 1.5rem 3rem; font-size: .97rem; color: var(--slate-500); }
.bg-dark .acc-panel-inner { color: rgba(255,255,255,.68); }
.acc-item.open .acc-ttl { color: var(--emerald-text); }
.bg-dark .acc-item.open .acc-ttl { color: var(--lime); }

/* ---------- 14. Process / timeline ---------- */
.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.6rem; position: relative; }
.process::before {
  content: ""; position: absolute; left: 6%; right: 6%; top: 34px; height: 2px;
  background: repeating-linear-gradient(90deg, rgba(21,127,74,.28) 0 8px, transparent 8px 16px);
}
.bg-dark .process::before { background: repeating-linear-gradient(90deg, rgba(169,220,60,.3) 0 8px, transparent 8px 16px); }
.step { text-align: center; position: relative; }
.step-dot {
  width: 68px; height: 68px; border-radius: 50%; margin: 0 auto 1.3rem;
  display: grid; place-items: center; position: relative; z-index: 2;
  background: #fff; border: 1.5px solid var(--line);
  font-family: var(--font-num); font-size: 1.35rem; font-weight: 700; color: var(--forest-900);
  box-shadow: var(--sh-sm);
  transition: transform .5s var(--ease-out), background .45s, color .45s, border-color .45s, box-shadow .45s;
}
.bg-dark .step-dot { background: var(--forest-800); border-color: var(--line-dark); color: #fff; }
.step:hover .step-dot { background: var(--grad-brand); color: #fff; border-color: transparent; transform: translateY(-6px) scale(1.06); box-shadow: var(--sh-glow); }
.split .process { grid-template-columns: repeat(2, 1fr); gap: 2.2rem 1.6rem; }
.split .process::before { display: none; }
.step h3 { margin-bottom: .45rem; font-family: var(--font-display); font-size: 1.08rem; }
.step p { font-size: .89rem; color: var(--slate-500); }
.bg-dark .step p { color: rgba(255,255,255,.62); }

/* ---------- 15. Testimonials ---------- */
.tcarousel { position: relative; }
.ttrack { display: flex; gap: 1.6rem; transition: transform .7s var(--ease-out); }
.tslide { flex: 0 0 calc((100% - 3.2rem) / 3); }
.tcard {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 2rem 1.8rem; height: 100%;
  display: flex; flex-direction: column; gap: 1.1rem;
  transition: box-shadow .45s var(--ease), transform .45s var(--ease-out);
}
.tcard:hover { box-shadow: var(--sh-md); transform: translateY(-5px); }
.tquote { font-family: var(--font-display); font-size: 2.6rem; line-height: 1; color: var(--lime); }
.tcard p { font-size: .98rem; color: var(--slate-700); line-height: 1.75; flex: 1; }
.tmeta { display: flex; align-items: center; gap: .85rem; padding-top: 1rem; border-top: 1px solid var(--line); }
.tavatar {
  width: 44px; height: 44px; border-radius: 50%; flex-shrink: 0;
  display: grid; place-items: center;
  background: var(--grad-brand); color: #fff;
  font-weight: 700; font-size: .95rem; font-family: var(--font-sans);
}
.tname { font-weight: 700; color: var(--forest-900); font-size: .95rem; }
.trole { font-size: .78rem; color: var(--slate-500); }
.stars { display: flex; gap: .15rem; color: var(--gold); }
.stars svg { width: 14px; height: 14px; }
.tnav { display: flex; gap: .6rem; justify-content: center; margin-top: 2.4rem; align-items: center; }
/* The dot row was an inline style, which meant no media query could widen it
   for touch. Same trap as the trust-row grid — kept as a class from here on. */
.tdots { display: flex; gap: 16px; align-items: center; overflow: visible; }
.tnav { overflow: visible; }
/* WCAG 2.2 (2.5.8) wants a 24px minimum target for every pointer type, not just
   touch. The visible dot stays small; a transparent pseudo element supplies the
   target. Its width is tied to the gap so neighbouring targets never overlap —
   overlapping targets send the tap to the wrong slide, which is worse than a
   small one. */
.tdot { position: relative; }
.tdot::after {
  content: ""; position: absolute; left: 50%; top: 50%;
  width: calc(100% + 14px); height: 44px;
  transform: translate(-50%, -50%);
}
.tdot { width: 8px; height: 8px; border-radius: 50%; background: rgba(10,46,32,.16); transition: all .35s var(--ease); }
.tdot.active { width: 26px; border-radius: 10px; background: var(--grad-lime); }
.tarrow {
  width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center;
  border: 1px solid var(--line); color: var(--forest-800);
  transition: background .35s, color .35s, border-color .35s, transform .35s var(--ease-out);
}
.tarrow:hover { background: var(--grad-brand); color: #fff; border-color: transparent; transform: scale(1.07); }
.tarrow svg { width: 16px; height: 16px; }

/* ---------- 16. Goals ---------- */
.goal-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; }
.goal {
  text-align: center; padding: 1.9rem 1rem;
  border-radius: var(--r-lg); background: #fff; border: 1px solid var(--line);
  transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out), background .5s;
}
.goal:hover { transform: translateY(-8px); box-shadow: var(--sh-md); background: linear-gradient(160deg, #fff, var(--cream)); }
.goal-ico {
  width: 60px; height: 60px; border-radius: 50%; margin: 0 auto 1rem;
  display: grid; place-items: center;
  background: linear-gradient(140deg, rgba(21,127,74,.10), rgba(169,220,60,.24));
  color: var(--emerald);
  transition: transform .5s var(--ease-out);
}
.goal:hover .goal-ico { transform: scale(1.1) rotate(-8deg); }
.goal-ico svg { width: 26px; height: 26px; }
.goal h3, .goal h4 { font-family: var(--font-sans); font-size: .95rem; font-weight: 700; color: var(--forest-900); }

/* ---------- 17. CTA band ---------- */
.cta-band {
  position: relative; overflow: hidden;
  border-radius: var(--r-xl);
  background: var(--grad-dark);
  padding: clamp(3rem, 6vw, 4.6rem) clamp(1.8rem, 5vw, 4rem);
  text-align: center;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(600px 320px at 20% 10%, rgba(31,163,93,.4), transparent 60%),
    radial-gradient(520px 300px at 85% 90%, rgba(169,220,60,.26), transparent 60%);
}
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; margin-bottom: 1rem; }
.cta-band p { color: rgba(255,255,255,.75); max-width: 60ch; margin: 0 auto 2.2rem; }
.cta-actions { display: flex; gap: .9rem; justify-content: center; flex-wrap: wrap; }

/* ---------- 18. Forms ---------- */
.form-card {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--r-lg); padding: clamp(1.8rem, 3.5vw, 2.8rem);
  box-shadow: var(--sh-md);
}
.field { margin-bottom: 1.2rem; }
.field label { display: block; font-size: .82rem; font-weight: 700; color: var(--forest-800); margin-bottom: .5rem; letter-spacing: .02em; }
.field input, .field textarea, .field select {
  width: 100%; padding: .92rem 1.1rem;
  border: 1.5px solid var(--line); border-radius: var(--r-sm);
  background: var(--cream); font-size: .95rem;
  transition: border-color .3s var(--ease), background .3s, box-shadow .3s;
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none; border-color: var(--emerald); background: #fff;
  box-shadow: 0 0 0 4px rgba(21,127,74,.10);
}
.field textarea { resize: vertical; min-height: 128px; }
.field.err input, .field.err textarea { border-color: #D64545; box-shadow: 0 0 0 4px rgba(214,69,69,.09); }
.field .msg { font-size: .76rem; color: #D64545; margin-top: .35rem; display: none; }
.field.err .msg { display: block; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.form-note { font-size: .8rem; color: var(--slate-500); margin-top: 1rem; }
.form-success {
  display: none; align-items: center; gap: .8rem;
  padding: 1rem 1.2rem; border-radius: var(--r-sm);
  background: rgba(21,127,74,.09); border: 1px solid rgba(21,127,74,.22);
  color: var(--forest-700); font-size: .92rem; font-weight: 600; margin-top: 1rem;
}
.form-success.show { display: flex; }

/* Contact info cards */
.info-card {
  display: flex; gap: 1.1rem; align-items: flex-start;
  padding: 1.5rem; border-radius: var(--r-md);
  background: #fff; border: 1px solid var(--line);
  transition: transform .45s var(--ease-out), box-shadow .45s var(--ease-out);
}
.info-card:hover { transform: translateY(-4px); box-shadow: var(--sh-sm); }
.info-ico {
  flex: 0 0 46px; height: 46px; border-radius: 13px; display: grid; place-items: center;
  background: var(--grad-brand); color: #fff;
}
.info-ico svg { width: 20px; height: 20px; }
.info-card h3, .info-card h4 { font-family: var(--font-sans); font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--slate-500); margin-bottom: .3rem; font-weight: 700; }
.info-card p, .info-card a { font-size: .98rem; color: var(--forest-900); font-weight: 600; line-height: 1.6; }
.info-card a:hover { color: var(--emerald); }

.map-frame {
  border-radius: var(--r-lg); overflow: hidden;
  border: 1px solid var(--line); box-shadow: var(--sh-md);
  filter: grayscale(.35) contrast(1.05);
  transition: filter .5s var(--ease);
}
.map-frame:hover { filter: grayscale(0); }
.map-frame iframe { display: block; width: 100%; height: 420px; border: 0; }

/* ---------- 19. SIP Calculator ---------- */
.calc {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--r-lg); padding: clamp(1.6rem, 3vw, 2.4rem);
  box-shadow: var(--sh-md);
}
.calc-row { margin-bottom: 1.6rem; }
.calc-row .top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: .7rem; }
.calc-row .top label { font-size: .87rem; font-weight: 700; color: var(--forest-800); }
.calc-row .top .out {
  font-family: var(--font-num); font-size: 1.12rem; font-weight: 700; color: var(--emerald);
  background: rgba(21,127,74,.08); padding: .12rem .7rem; border-radius: var(--r-pill);
}
input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 6px;
  background: var(--cream-200); cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: #fff; border: 4px solid var(--emerald);
  box-shadow: 0 3px 10px rgba(21,127,74,.35);
  transition: transform .25s var(--ease-out);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.16); }
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; border: 4px solid var(--emerald);
  background: #fff; box-shadow: 0 3px 10px rgba(21,127,74,.35);
}
.calc-result {
  margin-top: 2rem; padding-top: 1.7rem; border-top: 1px dashed var(--line);
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; text-align: center;
}
.calc-result .r-lbl { font-size: .74rem; letter-spacing: .1em; text-transform: uppercase; color: var(--slate-500); font-weight: 700; margin-bottom: .4rem; }
.calc-result .r-val { font-family: var(--font-num); font-size: clamp(1.2rem, 2.2vw, 1.65rem); font-weight: 700; color: var(--forest-900); }
.calc-result .r-val.hl { color: var(--emerald); }
.calc-bar { height: 12px; border-radius: 8px; overflow: hidden; display: flex; margin-top: 1.6rem; background: var(--cream-200); }
.calc-bar .seg-inv { background: var(--forest-700); transition: width .5s var(--ease-out); }
.calc-bar .seg-ret { background: var(--grad-lime); transition: width .5s var(--ease-out); }
.calc-legend { display: flex; gap: 1.6rem; justify-content: center; margin-top: .9rem; font-size: .8rem; color: var(--slate-500); }
.calc-legend i { width: 10px; height: 10px; border-radius: 3px; display: inline-block; margin-right: .4rem; }
.calc-disclaimer { font-size: .75rem; color: var(--slate-500); margin-top: 1.2rem; text-align: center; }

/* ---------- 19b. Tabbed calculator (SIP / Step-Up SIP) ---------- */
.calc-wide {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--r-xl); box-shadow: var(--sh-md);
  padding: clamp(1.5rem, 3vw, 2.6rem);
}
.calc-tabs {
  display: flex; gap: .35rem; padding: .35rem;
  background: var(--cream); border-radius: var(--r-pill);
  margin-bottom: 2rem; max-width: 460px;
}
.calc-tab {
  flex: 1; padding: .72rem 1rem; border-radius: var(--r-pill);
  font-size: .88rem; font-weight: 700; color: var(--slate-500);
  transition: background .35s var(--ease), color .3s, box-shadow .35s, transform .3s var(--ease-out);
  white-space: nowrap;
}
.calc-tab:hover { color: var(--forest-800); }
.calc-tab.active { background: #fff; color: var(--forest-900); box-shadow: var(--sh-sm); }
.calc-pane { display: none; }
.calc-pane.active { display: block; animation: paneIn .5s var(--ease-out); }
@keyframes paneIn { from { opacity: 0; transform: translateY(10px); } }

.calc-split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 4vw, 3.4rem); align-items: start; }

.calc-kpis { display: grid; gap: .8rem; }
.kpi {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  padding: 1.05rem 1.3rem; border-radius: var(--r-md);
  background: var(--cream); border: 1px solid var(--line);
  transition: transform .4s var(--ease-out);
}
.kpi:hover { transform: translateX(3px); }
.kpi .k-lbl { font-size: .82rem; font-weight: 600; color: var(--slate-500); display: flex; align-items: center; gap: .55rem; }
.kpi .k-lbl i { width: 10px; height: 10px; border-radius: 3px; flex-shrink: 0; }
.kpi .k-val { font-family: var(--font-num); font-size: 1.3rem; font-weight: 700; color: var(--forest-900); white-space: nowrap; }
.kpi.total {
  background: var(--grad-dark); border-color: transparent;
  box-shadow: var(--sh-glow); padding: 1.4rem 1.4rem;
}
.kpi.total .k-lbl { color: rgba(255,255,255,.7); font-weight: 700; letter-spacing: .06em; text-transform: uppercase; font-size: .74rem; }
.kpi.total .k-val { color: #fff; font-size: clamp(1.5rem, 2.6vw, 2rem); }
.kpi.ghost { background: #fff; }
.kpi.ghost .k-val { color: var(--emerald); font-size: 1.12rem; }

.calc-chart { margin-top: 1.6rem; }
.calc-chart svg { width: 100%; height: auto; overflow: visible; }
.calc-chart .cbar-inv { fill: var(--forest-700); }
.calc-chart .cbar { transition: y .5s var(--ease-out), height .5s var(--ease-out); }
.calc-chart .caxis { font-family: var(--font-sans); font-size: 9.5px; fill: var(--slate-300); }
.calc-chart-title {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
  font-size: .74rem; letter-spacing: .12em; text-transform: uppercase;
  color: var(--slate-500); font-weight: 700; margin-bottom: .9rem;
}
.calc-note {
  display: flex; gap: .7rem; align-items: flex-start;
  margin-top: 1.6rem; padding: 1rem 1.2rem;
  background: rgba(21,127,74,.06); border: 1px solid rgba(21,127,74,.16);
  border-radius: var(--r-md); font-size: .84rem; color: var(--slate-700);
}
.calc-note svg { width: 17px; height: 17px; color: var(--emerald); flex-shrink: 0; margin-top: .18rem; }
.calc-cta { display: flex; gap: .8rem; flex-wrap: wrap; margin-top: 1.6rem; }

@media (max-width: 900px) {
  .calc-split { grid-template-columns: 1fr; gap: 2.2rem; }
  .calc-tabs { max-width: none; }
  .calc-tab { font-size: .8rem; padding: .65rem .5rem; }
}

/* ---------- 20. Product page bits ---------- */
.prod-hero-card {
  background: #fff; border-radius: var(--r-xl); border: 1px solid var(--line);
  padding: clamp(1.8rem, 3.5vw, 3rem); box-shadow: var(--sh-md);
}
.pill-tag {
  display: inline-flex; align-items: center; gap: .4rem;
  padding: .34rem .9rem; border-radius: var(--r-pill);
  background: rgba(21,127,74,.09); color: var(--emerald-text);
  font-size: .74rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase;
}
.tri-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.6rem; }
.tri-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 2rem 1.7rem; position: relative; overflow: hidden;
  transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out);
}
.tri-card::after {
  content: ""; position: absolute; left: 0; top: 0; width: 100%; height: 3px;
  background: var(--grad-lime); transform: scaleX(0); transform-origin: left;
  transition: transform .55s var(--ease-out);
}
.tri-card:hover { transform: translateY(-6px); box-shadow: var(--sh-md); }
.tri-card:hover::after { transform: scaleX(1); }
.tri-card h3 { font-size: 1.22rem; margin-bottom: 1.1rem; display: flex; align-items: center; gap: .7rem; }
.tri-card h3 .n {
  width: 32px; height: 32px; border-radius: 10px; display: grid; place-items: center;
  background: var(--grad-brand); color: #fff; font-family: var(--font-sans); font-size: .82rem; font-weight: 800;
}

.risk-meter { display: flex; gap: .35rem; margin-top: .6rem; }
.risk-meter i { height: 7px; flex: 1; border-radius: 4px; background: var(--cream-200); }
.risk-meter i.on { background: var(--grad-lime); }

.spec-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; }
.spec { background: #fff; padding: 1.3rem 1.4rem; }
.spec .k { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--slate-500); font-weight: 700; margin-bottom: .35rem; }
.spec .v { font-family: var(--font-num); font-size: 1.15rem; font-weight: 700; color: var(--forest-900); }

.prod-nav-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1rem; }
.prod-nav-item {
  display: flex; align-items: center; gap: .8rem;
  padding: 1rem 1.2rem; border-radius: var(--r-md);
  background: #fff; border: 1px solid var(--line);
  font-size: .92rem; font-weight: 600; color: var(--forest-900);
  transition: transform .4s var(--ease-out), box-shadow .4s, border-color .4s;
}
.prod-nav-item:hover { transform: translateY(-4px); box-shadow: var(--sh-sm); border-color: rgba(21,127,74,.25); }
.prod-nav-item .pn-ico { width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; background: linear-gradient(140deg, rgba(21,127,74,.1), rgba(169,220,60,.22)); color: var(--emerald); flex-shrink: 0; }
.prod-nav-item .pn-ico svg { width: 16px; height: 16px; }
.prod-nav-item.current { border-color: var(--emerald); background: linear-gradient(150deg, #fff, rgba(169,220,60,.10)); }

/* ---------- 21. Services long-form ---------- */
.svc-block { padding: clamp(2.5rem, 5vw, 4rem) 0; border-top: 1px solid var(--line); }
.svc-block:first-of-type { border-top: 0; }
.svc-roman {
  font-family: var(--font-display); font-size: .95rem; font-weight: 700;
  color: var(--emerald); letter-spacing: .18em; text-transform: uppercase; display: block; margin-bottom: .5rem;
}

/* Prose */
.prose h2 { margin: 2.4rem 0 1rem; font-size: clamp(1.5rem, 2.6vw, 2rem); }
.prose h3 { margin: 1.8rem 0 .7rem; font-size: 1.2rem; }
.prose p { margin-bottom: 1.1rem; }
.prose ul { margin: 0 0 1.3rem; display: grid; gap: .6rem; }
.prose ul li { position: relative; padding-left: 1.6rem; font-size: .98rem; }
.prose ul li::before {
  content: ""; position: absolute; left: 0; top: .62em;
  width: 7px; height: 7px; border-radius: 2px; background: var(--grad-lime);
}
.prose a { color: var(--emerald); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

/* ---------- 22. Footer ---------- */
.site-footer { background: var(--forest-900); color: rgba(255,255,255,.62); position: relative; overflow: hidden; }
.site-footer strong { color: #fff; }
.site-footer h2, .site-footer h3, .site-footer h3, .site-footer h4, .site-footer h5 { color: #fff; }
.site-footer::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(700px 400px at 12% 0%, rgba(31,163,93,.18), transparent 62%),
              radial-gradient(600px 400px at 92% 100%, rgba(169,220,60,.10), transparent 62%);
}
.site-footer .wrap { position: relative; z-index: 1; }
.footer-top { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; padding: 3rem 0; border-bottom: 1px solid rgba(255,255,255,.09); }
.f-info { display: flex; gap: .9rem; align-items: flex-start; }
.f-info-ico {
  flex: 0 0 42px; height: 42px; border-radius: 12px; display: grid; place-items: center;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.10); color: var(--lime);
  transition: background .35s, color .35s;
}
.f-info:hover .f-info-ico { background: var(--grad-lime); color: var(--forest-900); }
.f-info-ico svg { width: 18px; height: 18px; }
.f-info h3 { font-family: var(--font-sans); font-size: .72rem; letter-spacing: .15em; text-transform: uppercase; color: rgba(255,255,255,.45); margin-bottom: .3rem; font-weight: 700; }
.f-info p, .f-info a { font-size: .92rem; color: rgba(255,255,255,.86); line-height: 1.6; }
.f-info a:hover { color: var(--lime); }

.footer-main { display: grid; grid-template-columns: 1.5fr .9fr .95fr .95fr 1.4fr; gap: 2.2rem; padding: 3.4rem 0; }
.footer-brand img { height: 62px; width: auto; margin-bottom: 1.2rem; }
.footer-brand p { font-size: .93rem; color: rgba(255,255,255,.6); max-width: 38ch; }
.footer-brand .badges { display: flex; gap: .5rem; margin-top: 1.3rem; flex-wrap: wrap; }
.f-badge {
  font-size: .68rem; letter-spacing: .09em; text-transform: uppercase; font-weight: 700;
  padding: .3rem .7rem; border-radius: var(--r-pill);
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12);
  color: rgba(255,255,255,.66);
}
.footer-col h3 { font-family: var(--font-sans); font-size: .8rem; letter-spacing: .16em; text-transform: uppercase; color: #fff; margin-bottom: 1.3rem; font-weight: 800; }
.footer-col ul { display: grid; gap: .68rem; }
.footer-col a { font-size: .91rem; color: rgba(255,255,255,.62); transition: color .28s, padding-left .3s var(--ease-out); display: inline-block; }
.footer-col a:hover { color: var(--lime); padding-left: 5px; }

.newsletter p { font-size: .9rem; color: rgba(255,255,255,.6); margin-bottom: 1.2rem; }
.nl-form { display: flex; gap: .5rem; flex-wrap: wrap; }
.nl-form input {
  flex: 1 1 150px; padding: .82rem 1rem; border-radius: var(--r-sm);
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14);
  color: #fff; font-size: .9rem;
}
.nl-form input::placeholder { color: rgba(255,255,255,.36); }
.nl-form input:focus { outline: none; border-color: var(--lime); background: rgba(255,255,255,.1); }
.nl-form .btn { flex: 0 0 auto; }
.nl-note { font-size: .74rem; color: rgba(255,255,255,.36); margin-top: .8rem; }

.footer-bottom {
  display: flex; align-items: center; justify-content: space-between; gap: 1.2rem; flex-wrap: wrap;
  padding: 1.5rem 0; border-top: 1px solid rgba(255,255,255,.09);
  font-size: .84rem; color: rgba(255,255,255,.45);
}
.footer-socials { display: flex; gap: .55rem; }
.footer-socials a {
  width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center;
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1);
  transition: background .35s var(--ease), transform .35s var(--ease-out), color .3s, border-color .3s;
}
.footer-socials a:hover { background: var(--grad-lime); color: var(--forest-900); transform: translateY(-3px); border-color: transparent; }
.footer-socials svg { width: 15px; height: 15px; }

.disclaimer {
  padding: 1.4rem 0 2.4rem; font-size: .74rem; line-height: 1.75;
  color: rgba(255,255,255,.34); border-top: 1px solid rgba(255,255,255,.06);
}

/* ==========================================================================
   22b. AUDIENCE-FIRST COMPONENTS  (collage, life-stage, lead capture, trust)
   ========================================================================== */

/* ---------- Photo tiles & collage ---------- */
.tile {
  position: relative; overflow: hidden;
  border-radius: var(--r-lg);
  background-color: var(--forest-8, #0A2E20);
  box-shadow: var(--sh-md);
  isolation: isolate;
}
.tile::after {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(to top, rgba(4,22,14,.78) 0%, rgba(4,22,14,.10) 48%, transparent 72%);
  opacity: .92; transition: opacity .5s var(--ease);
}
.tile:hover::after { opacity: .8; }
.tile-img {
  position: absolute; inset: 0;
  transform: scale(1.02);
  transition: transform 1.1s var(--ease-out);
}
.tile:hover .tile-img { transform: scale(1.09); }
.tile-body {
  position: relative; z-index: 2;
  display: flex; flex-direction: column; justify-content: flex-end;
  height: 100%; padding: 1.5rem 1.4rem;
}
.tile-tag {
  align-self: flex-start;
  font-size: .66rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase;
  color: var(--forest-900); background: var(--grad-lime);
  padding: .28rem .7rem; border-radius: var(--r-pill);
  margin-bottom: .7rem;
}
.tile-ttl { font-family: var(--font-display); font-size: 1.22rem; color: #fff; line-height: 1.22; font-weight: 600; }
.tile-sub { font-size: .84rem; color: rgba(255,255,255,.74); margin-top: .35rem; line-height: 1.5; }

.collage {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-auto-rows: 168px;
  gap: 1.1rem;
}
.collage .tile.t-tall  { grid-row: span 2; }
.collage .tile.t-wide  { grid-column: span 2; }
.collage .tile.t-big   { grid-column: span 2; grid-row: span 2; }

/* Hero-side compact collage */
.collage-hero {
  display: grid; grid-template-columns: 1fr 1fr;
  grid-auto-rows: 140px; gap: .9rem;
}
.collage-hero .tile.t-tall { grid-row: span 2; }

/* Split media panel */
.media-panel {
  position: relative; border-radius: var(--r-xl); overflow: hidden;
  min-height: 460px; box-shadow: var(--sh-lg);
}
.media-panel .tile-img { position: absolute; inset: 0; }
.media-panel::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(4,22,14,.72), rgba(4,22,14,.12));
}
.media-panel .mp-body { position: relative; z-index: 2; padding: 2rem; height: 100%; display: flex; flex-direction: column; justify-content: flex-end; }

/* ---------- Life-stage cards ---------- */
.stage-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.stage {
  position: relative; overflow: hidden;
  display: flex; flex-direction: column;
  border-radius: var(--r-lg); background: #fff;
  border: 1px solid var(--line);
  transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out), border-color .4s;
}
.stage:hover { transform: translateY(-8px); box-shadow: var(--sh-md); border-color: rgba(21,127,74,.24); }
.stage-media { height: 128px; position: relative; overflow: hidden; }
.stage-media .tile-img { position: absolute; inset: 0; transition: transform 1s var(--ease-out); }
.stage:hover .stage-media .tile-img { transform: scale(1.08); }
.stage-media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(4,22,14,.55), transparent 70%);
}
.stage-age {
  position: absolute; z-index: 2; left: 1rem; bottom: .8rem;
  font-size: .72rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
  color: var(--forest-900); background: var(--grad-lime);
  padding: .26rem .7rem; border-radius: var(--r-pill);
}
.stage-body { padding: 1.4rem 1.3rem 1.5rem; display: flex; flex-direction: column; flex: 1; }
.stage-body h3 { font-size: 1.16rem; margin-bottom: .5rem; }
.stage-body p { font-size: .89rem; color: var(--slate-500); flex: 1; }
.stage-body ul { display: grid; gap: .45rem; margin: .9rem 0 1.1rem; }
.stage-body li { font-size: .82rem; color: var(--slate-700); display: flex; gap: .5rem; align-items: flex-start; }
.stage-body li::before {
  content: ""; width: 6px; height: 6px; border-radius: 2px; margin-top: .5em;
  background: var(--grad-lime); flex-shrink: 0;
}

/* ---------- Lead capture ---------- */
.lead-band { position: relative; overflow: hidden; }
.lead-card {
  position: relative; overflow: hidden;
  border-radius: var(--r-xl);
  background: var(--grad-dark);
  padding: clamp(1.8rem, 4vw, 3.2rem);
  box-shadow: var(--sh-lg);
}
.lead-card::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(620px 340px at 12% 8%, rgba(31,163,93,.42), transparent 62%),
    radial-gradient(520px 320px at 92% 92%, rgba(169,220,60,.24), transparent 62%);
}
.lead-card > * { position: relative; z-index: 1; }
.lead-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: clamp(2rem, 4vw, 3.6rem); align-items: center; }
.lead-card h2, .lead-card h3 { color: #fff; }
.lead-card p { color: rgba(255,255,255,.74); }
.lead-points { display: grid; gap: .8rem; margin-top: 1.6rem; }
.lead-points li { display: flex; gap: .7rem; align-items: flex-start; font-size: .92rem; color: rgba(255,255,255,.82); }
.lead-points .tick { flex: 0 0 21px; height: 21px; border-radius: 50%; background: var(--grad-lime); color: var(--forest-900); display: grid; place-items: center; margin-top: .18rem; }
.lead-points .tick svg { width: 12px; height: 12px; }

.lead-form {
  background: #fff; border-radius: var(--r-lg);
  padding: clamp(1.4rem, 2.6vw, 2rem);
  box-shadow: 0 30px 70px rgba(0,0,0,.28);
}
.lead-form .field { margin-bottom: .95rem; }
.lead-form .field label { font-size: .78rem; }
.lead-form .field input, .lead-form .field select, .lead-form .field textarea { padding: .82rem 1rem; font-size: .92rem; }
/* The form sits inside .lead-card, which colours its own paragraphs white.
   These rules re-assert dark text inside the white form card. */
.lead-form-title,
.lead-card .lead-form .lead-form-title {
  font-family: var(--font-display); font-size: 1.28rem;
  color: var(--forest-900); margin-bottom: .3rem;
}
.lead-form-sub,
.lead-card .lead-form .lead-form-sub {
  font-size: .85rem; color: var(--slate-500); margin-bottom: 1.3rem;
}
.lead-card .lead-form p { color: var(--slate-500); }
.lead-card .lead-form .lead-privacy { color: var(--slate-300); }
.lead-card .lead-form label { color: var(--forest-800); }
.lead-alt {
  display: flex; align-items: center; gap: .8rem; margin-top: 1rem;
  padding-top: 1rem; border-top: 1px dashed var(--line);
}
.lead-alt span { font-size: .8rem; color: var(--slate-500); }
.btn-wa { background: #0E7C43; box-shadow: 0 12px 30px rgba(14,124,67,.32); }
.btn-wa::after { background: #1EB955; }
.lead-privacy { font-size: .74rem; color: var(--slate-500); margin-top: .9rem; line-height: 1.6; }
.lead-privacy a { color: var(--emerald); text-decoration: underline; text-underline-offset: 2px; }

/* Honeypot — must stay visually hidden but not display:none (bots skip those) */
.hp-field {
  position: absolute !important; left: -9999px !important; top: auto !important;
  width: 1px !important; height: 1px !important; overflow: hidden !important;
}

.form-error {
  display: none; align-items: flex-start; gap: .7rem;
  padding: .9rem 1.1rem; border-radius: var(--r-sm);
  background: rgba(214,69,69,.08); border: 1px solid rgba(214,69,69,.24);
  color: #9B2C2C; font-size: .86rem; margin-top: 1rem;
}
.form-error.show { display: flex; }
.form-error svg { width: 17px; height: 17px; flex-shrink: 0; margin-top: .1rem; }

/* ---------- Sticky mobile CTA bar ---------- */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 85;
  display: none; gap: .6rem; padding: .7rem .9rem calc(.7rem + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.94);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border-top: 1px solid var(--line);
  box-shadow: 0 -8px 30px rgba(6,32,23,.12);
  transform: translateY(110%);
  transition: transform .45s var(--ease-out);
}
.sticky-cta.show { transform: translateY(0); }
.sticky-cta .btn { flex: 1; justify-content: center; padding: .82rem 1rem; font-size: .86rem; }

/* ---------- Trust / compliance band ---------- */
/* Column count is driven by a custom property so the modifiers below and the
   responsive rules further down never fight over specificity. Previously the
   3-up variant was applied as an inline style, which beat the media queries and
   kept the grid 3-up at 390px — pushing the page sideways. */
.trust-row {
  --tr-cols: 4;
  display: grid; grid-template-columns: repeat(var(--tr-cols), 1fr); gap: 1rem;
}
.trust-row.cols-3 { --tr-cols: 3; }
.trust-row.cols-1 { --tr-cols: 1; }
.trust-item {
  display: flex; gap: .8rem; align-items: flex-start;
  padding: 1.15rem 1.2rem; border-radius: var(--r-md);
  background: #fff; border: 1px solid var(--line);
  transition: transform .4s var(--ease-out), box-shadow .4s;
}
.trust-item:hover { transform: translateY(-4px); box-shadow: var(--sh-sm); }
.trust-item .ti-ico {
  flex: 0 0 38px; height: 38px; border-radius: 11px; display: grid; place-items: center;
  background: linear-gradient(140deg, rgba(21,127,74,.10), rgba(169,220,60,.22)); color: var(--emerald);
}
.trust-item .ti-ico svg { width: 18px; height: 18px; }
.trust-item h3 { font-family: var(--font-sans); font-size: .88rem; font-weight: 700; color: var(--forest-900); margin-bottom: .18rem; }
.trust-item p { font-size: .78rem; color: var(--slate-500); line-height: 1.5; }
.bg-dark .trust-item { background: rgba(255,255,255,.05); border-color: var(--line-dark); }
.bg-dark .trust-item h3 { color: #fff; }
.bg-dark .trust-item p { color: rgba(255,255,255,.6); }
.bg-dark .trust-item .ti-ico { background: rgba(169,220,60,.14); color: var(--lime); }

/* ---------- NRI ribbon ---------- */
.nri-ribbon {
  display: flex; align-items: center; gap: 1.2rem; flex-wrap: wrap;
  justify-content: space-between;
  padding: 1.1rem 1.5rem; border-radius: var(--r-md);
  background: linear-gradient(120deg, rgba(201,165,75,.14), rgba(169,220,60,.12));
  border: 1px solid rgba(201,165,75,.28);
}
.nri-ribbon p { font-size: .92rem; color: var(--forest-800); font-weight: 600; }
.nri-ribbon .flagline { display: flex; align-items: center; gap: .6rem; font-size: .78rem; color: var(--slate-500); letter-spacing: .06em; text-transform: uppercase; font-weight: 700; }

/* ---------- FAQ / value strip ---------- */
.value-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.value-item { text-align: center; padding: 1.4rem 1rem; }
.value-item .vi-num { font-family: var(--font-num); font-size: 2.2rem; font-weight: 700; color: var(--emerald); line-height: 1; }
.bg-dark .value-item .vi-num { color: var(--lime); }
.value-item h3, .value-item h4 { font-family: var(--font-sans); font-size: .95rem; margin: .6rem 0 .3rem; color: var(--forest-900); }
.bg-dark .value-item h3, .value-item h4 { color: #fff; }
.value-item p { font-size: .84rem; color: var(--slate-500); }

@media (max-width: 1080px) {
  .collage { grid-template-columns: repeat(2, 1fr); grid-auto-rows: 150px; }
  .collage .tile.t-big { grid-column: span 2; }
  .stage-grid { grid-template-columns: repeat(2, 1fr); }
  /* The modifier selectors are repeated here on purpose: a media query adds no
     specificity, so a bare `.trust-row` rule would lose to `.trust-row.cols-3`
     and the grid would stay 3-up on a phone. */
  .trust-row, .trust-row.cols-3 { --tr-cols: 2; }
  .trust-row.cols-1 { --tr-cols: 1; }
  .lead-grid { grid-template-columns: 1fr; }
  .value-strip { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .collage { grid-template-columns: 1fr 1fr; grid-auto-rows: 118px; gap: .7rem; }
  .collage .tile.t-wide, .collage .tile.t-big { grid-column: span 2; }
  .stage-grid { grid-template-columns: 1fr; }
  .trust-row, .trust-row.cols-3, .trust-row.cols-1 { --tr-cols: 1; }
  .tile-ttl { font-size: 1rem; }
  .tile-body { padding: 1rem .9rem; }
  .media-panel { min-height: 320px; }
  .sticky-cta { display: flex; }
  .float-actions { bottom: 82px; }
  .nri-ribbon { padding: 1rem 1.1rem; }
}

/* ==========================================================================
   22c. MUTUAL FUND PAGE COMPONENTS
   ========================================================================== */

/* ---------- Credentials / registration strip ---------- */
.creds {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
  background: var(--line); border: 1px solid var(--line);
  border-radius: var(--r-md); overflow: hidden;
}
.cred { background: #fff; padding: 1.15rem 1.3rem; }
.cred .c-k { font-size: .7rem; letter-spacing: .13em; text-transform: uppercase; color: var(--slate-500); font-weight: 700; margin-bottom: .3rem; }
.cred .c-v { font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums; font-size: 1rem; font-weight: 700; color: var(--forest-900); }
.bg-dark .creds { background: var(--line-dark); border-color: var(--line-dark); }
.bg-dark .cred { background: rgba(255,255,255,.04); }
.bg-dark .cred .c-v { color: #fff; }
.bg-dark .cred .c-k { color: rgba(255,255,255,.5); }

/* ---------- Numbered step row ---------- */
.how-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.6rem; }
.how {
  position: relative; background: #fff; border: 1px solid var(--line);
  border-radius: var(--r-lg); padding: 2rem 1.7rem;
  transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out);
}
.how:hover { transform: translateY(-6px); box-shadow: var(--sh-md); }
.how-n {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: .7rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase;
  color: var(--emerald); margin-bottom: 1rem;
}
.how-n b {
  width: 26px; height: 26px; border-radius: 8px; display: grid; place-items: center;
  background: var(--grad-brand); color: #fff; font-size: .78rem;
}
.how h3 { font-size: 1.14rem; margin-bottom: .5rem; }
.how p { font-size: .92rem; color: var(--slate-500); }

/* ---------- Order-type / category cards ---------- */
.otype {
  display: grid; grid-template-columns: 56px 1fr; gap: 1.2rem;
  align-items: start; padding: 1.7rem;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  transition: transform .45s var(--ease-out), box-shadow .45s var(--ease-out), border-color .4s;
}
.otype:hover { transform: translateY(-5px); box-shadow: var(--sh-md); border-color: rgba(21,127,74,.22); }
.otype .o-ico {
  width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center;
  background: linear-gradient(140deg, rgba(21,127,74,.10), rgba(169,220,60,.22)); color: var(--emerald);
}
.otype .o-ico svg { width: 25px; height: 25px; }
.otype h3 { font-size: 1.16rem; margin-bottom: .45rem; }
.otype p { font-size: .93rem; color: var(--slate-500); }
.otype .o-tag {
  display: inline-block; margin-top: .8rem;
  font-size: .7rem; font-weight: 800; letter-spacing: .11em; text-transform: uppercase;
  color: var(--emerald-text); background: rgba(21,127,74,.09);
  padding: .25rem .65rem; border-radius: var(--r-pill);
}

/* ---------- Chip row (SIP frequencies, account types) ---------- */
.chips { display: flex; flex-wrap: wrap; gap: .7rem; }
.chip {
  display: inline-flex; align-items: center; gap: .55rem;
  padding: .72rem 1.15rem; border-radius: var(--r-pill);
  background: #fff; border: 1px solid var(--line);
  font-size: .9rem; font-weight: 600; color: var(--forest-900);
  transition: transform .35s var(--ease-out), box-shadow .35s, border-color .35s, background .35s;
}
.chip:hover { transform: translateY(-3px); box-shadow: var(--sh-sm); border-color: rgba(21,127,74,.28); }
.chip .ch-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--grad-lime); flex-shrink: 0; }
.chip svg { width: 16px; height: 16px; color: var(--emerald); }
.bg-dark .chip { background: rgba(255,255,255,.06); border-color: var(--line-dark); color: #fff; }
.bg-dark .chip svg { color: var(--lime); }

/* ---------- Definition blocks (taxation, NAV, charges) ---------- */
.defs { display: grid; gap: 1.1rem; }
.def {
  padding: 1.4rem 1.6rem; border-radius: var(--r-md);
  background: #fff; border: 1px solid var(--line);
  border-left: 3px solid var(--emerald);
}
.def h3 { font-family: var(--font-sans); font-size: 1rem; font-weight: 700; color: var(--forest-900); margin-bottom: .4rem; }
.def p { font-size: .92rem; color: var(--slate-500); }
.def .d-rate {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-weight: 800; color: var(--emerald);
}
.bg-dark .def { background: rgba(255,255,255,.05); border-color: var(--line-dark); border-left-color: var(--lime); }
.bg-dark .def h3 { color: #fff; }
.bg-dark .def p { color: rgba(255,255,255,.66); }
.bg-dark .def .d-rate { color: var(--lime); }

.tax-note {
  display: flex; gap: .75rem; align-items: flex-start;
  margin-top: 1.4rem; padding: 1rem 1.2rem;
  background: rgba(201,165,75,.10); border: 1px solid rgba(201,165,75,.3);
  border-radius: var(--r-md); font-size: .84rem; color: var(--slate-700);
}
.tax-note svg { width: 17px; height: 17px; color: var(--gold); flex-shrink: 0; margin-top: .15rem; }
.bg-dark .tax-note { color: rgba(255,255,255,.75); background: rgba(201,165,75,.14); }

@media (max-width: 1080px) {
  .creds { grid-template-columns: repeat(2, 1fr); }
  .how-row { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .creds { grid-template-columns: 1fr; }
  .otype { grid-template-columns: 1fr; gap: 1rem; }
}

/* ==========================================================================
   22d. PEER-TO-PEER LENDING PAGE COMPONENTS
   ========================================================================== */

/* ---------- Three-node flow (how a bank sits in the middle) ---------- */
.flow3 { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; gap: 1rem; align-items: stretch; }
.flow-node {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 1.5rem 1.3rem; text-align: center;
  transition: transform .45s var(--ease-out), box-shadow .45s var(--ease-out);
}
.flow-node:hover { transform: translateY(-5px); box-shadow: var(--sh-md); }
.flow-node.mid { background: var(--grad-dark); border-color: transparent; box-shadow: var(--sh-glow); }
.flow-node .fn-role {
  font-size: .66rem; font-weight: 800; letter-spacing: .15em; text-transform: uppercase;
  color: var(--emerald); margin-bottom: .55rem;
}
.flow-node.mid .fn-role { color: var(--lime); }
.flow-node .fn-name { font-family: var(--font-display); font-size: 1.24rem; font-weight: 700; color: var(--forest-900); margin-bottom: .5rem; }
.flow-node.mid .fn-name { color: #fff; }
.flow-node .fn-meta { font-size: .85rem; color: var(--slate-500); line-height: 1.6; }
.flow-node.mid .fn-meta { color: rgba(255,255,255,.72); }
.flow-node .fn-rate {
  display: inline-block; margin-top: .7rem; padding: .3rem .8rem; border-radius: var(--r-pill);
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-weight: 800; font-size: .95rem;
  background: rgba(21,127,74,.09); color: var(--emerald-text);
}
.flow-node.mid .fn-rate { background: rgba(169,220,60,.16); color: var(--lime); }
.flow-arrow { display: grid; place-items: center; color: var(--slate-300); }
.flow-arrow svg { width: 24px; height: 24px; }

/* ---------- Comparison table ---------- */
.vs {
  border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; background: #fff;
}
.vs-row { display: grid; grid-template-columns: 1fr 1.2fr 1.2fr; border-top: 1px solid var(--line); }
.vs-row:first-child { border-top: 0; }
.vs-row > div { padding: 1.05rem 1.3rem; font-size: .93rem; }
.vs-row .vs-k { font-weight: 700; color: var(--forest-900); background: var(--cream); }
.vs-row .vs-a { color: var(--slate-500); border-left: 1px solid var(--line); }
.vs-row .vs-b { color: var(--forest-800); font-weight: 600; border-left: 1px solid var(--line); background: rgba(169,220,60,.06); }
.vs-head > div { font-size: .72rem !important; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.vs-head .vs-a { color: var(--slate-500); }
.vs-head .vs-b { color: var(--emerald); }

/* ---------- Funnel ---------- */
.funnel { display: grid; gap: .9rem; }
.funnel-step {
  position: relative; border-radius: var(--r-md); padding: 1.3rem 1.5rem;
  background: var(--grad-brand); color: #fff; margin-inline: auto; width: 100%;
  box-shadow: var(--sh-glow);
}
.funnel-step.narrow { width: 68%; background: linear-gradient(120deg, var(--forest-700), var(--emerald)); }
.funnel-step .fs-n {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 800; line-height: 1;
}
.funnel-step .fs-l { font-size: .85rem; color: rgba(255,255,255,.8); margin-top: .35rem; }
.funnel-rate {
  text-align: center; margin-top: 1rem;
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-weight: 800; color: var(--emerald); font-size: 1.05rem;
}

/* ---------- Diversification dot grid ---------- */
.dotgrid {
  display: grid; grid-template-columns: repeat(25, 1fr); gap: 4px;
  padding: 1.4rem; border-radius: var(--r-md);
  background: rgba(255,255,255,.05); border: 1px solid var(--line-dark);
}
.dotgrid i { display: block; aspect-ratio: 1; border-radius: 50%; background: var(--lime); opacity: .85; }
.dotgrid i.dim { background: #fff; opacity: .18; }

/* ---------- Return waterfall ---------- */
.waterfall { display: grid; grid-template-columns: repeat(5, auto); gap: .8rem; align-items: center; justify-content: center; }
.wf-step { text-align: center; min-width: 128px; }
.wf-step .wf-v {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: clamp(1.6rem, 3.4vw, 2.4rem); font-weight: 800; line-height: 1; color: var(--forest-900);
}
.wf-step .wf-k { font-size: .8rem; font-weight: 700; color: var(--forest-800); margin-top: .5rem; }
.wf-step .wf-d { font-size: .74rem; color: var(--slate-500); margin-top: .2rem; line-height: 1.45; }
.wf-step.minus .wf-v { color: #B4553F; }
.wf-step.result .wf-v { color: var(--emerald); }
.wf-op {
  font-family: var(--font-num); font-size: 1.5rem; font-weight: 700;
  color: var(--slate-300); padding-bottom: 1.6rem;
}
.bg-dark .wf-step .wf-v { color: #fff; }
.bg-dark .wf-step .wf-k { color: rgba(255,255,255,.85); }
.bg-dark .wf-step .wf-d { color: rgba(255,255,255,.55); }
.bg-dark .wf-step.minus .wf-v { color: #F0A28C; }
.bg-dark .wf-step.result .wf-v { color: var(--lime); }
.bg-dark .wf-op { color: rgba(255,255,255,.3); }

/* ---------- Sensitivity table ---------- */
.sens { border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; background: #fff; }
.sens-row { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--line); }
.sens-row:first-child { border-top: 0; }
.sens-row > div {
  padding: .95rem 1.3rem;
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-weight: 700; font-size: 1.02rem; color: var(--forest-900);
}
.sens-row .s-ret { color: var(--emerald); border-left: 1px solid var(--line); text-align: right; }
.sens-row.head > div {
  font-family: var(--font-sans); font-size: .7rem; font-weight: 800;
  letter-spacing: .13em; text-transform: uppercase; color: var(--slate-500); background: var(--cream);
}
.sens-row.actual { background: rgba(169,220,60,.10); }
.sens-row.actual .s-npa::after {
  content: " actual"; font-size: .68rem; letter-spacing: .1em; text-transform: uppercase;
  color: var(--emerald); font-weight: 800; margin-left: .4rem;
}

/* ---------- Side-by-side product compare ---------- */
.compare2 { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; }
.cmp {
  border-radius: var(--r-lg); padding: 1.9rem 1.7rem; border: 1px solid var(--line); background: #fff;
}
.cmp.win { background: var(--grad-dark); border-color: transparent; box-shadow: var(--sh-glow); }
.cmp .cmp-t {
  font-size: .68rem; font-weight: 800; letter-spacing: .15em; text-transform: uppercase;
  color: var(--slate-500); margin-bottom: .5rem;
}
.cmp.win .cmp-t { color: var(--lime); }
.cmp .cmp-h {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: 1.32rem; font-weight: 800; color: var(--forest-900); margin-bottom: 1.1rem;
}
.cmp.win .cmp-h { color: #fff; }
.cmp ul { display: grid; gap: .7rem; }
.cmp li { display: flex; gap: .65rem; align-items: flex-start; font-size: .91rem; color: var(--slate-500); }
.cmp.win li { color: rgba(255,255,255,.78); }
.cmp li svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: .18rem; color: var(--slate-300); }
.cmp.win li svg { color: var(--lime); }

@media (max-width: 1080px) {
  .flow3 { grid-template-columns: 1fr; }
  .flow-arrow { transform: rotate(90deg); padding: .3rem 0; }
  .waterfall { grid-template-columns: 1fr; gap: .5rem; }
  .wf-op { padding: 0; }
  .compare2 { grid-template-columns: 1fr; }
  .dotgrid { grid-template-columns: repeat(20, 1fr); }
}
@media (max-width: 640px) {
  .vs-row { grid-template-columns: 1fr; }
  .vs-row .vs-a, .vs-row .vs-b { border-left: 0; border-top: 1px solid var(--line); }
  .vs-head { display: none; }
  .vs-row .vs-a::before { content: "Banking: "; font-weight: 700; color: var(--slate-500); }
  .vs-row .vs-b::before { content: "P2P: "; font-weight: 700; color: var(--emerald); }
  .funnel-step.narrow { width: 84%; }
  .dotgrid { grid-template-columns: repeat(15, 1fr); }
}

/* ==========================================================================
   22e. FRACTIONAL REAL ESTATE PAGE COMPONENTS
   ========================================================================== */

/* ---------- RERA registration badge ---------- */
.rera {
  display: inline-flex; align-items: center; gap: .9rem;
  padding: .8rem 1.4rem; border-radius: var(--r-pill);
  background: linear-gradient(120deg, rgba(21,127,74,.10), rgba(169,220,60,.16));
  border: 1.5px solid rgba(21,127,74,.30);
}
.rera .r-ico {
  width: 34px; height: 34px; border-radius: 50%; flex-shrink: 0;
  display: grid; place-items: center;
  background: var(--grad-brand); color: #fff;
}
.rera .r-ico svg { width: 17px; height: 17px; }
.rera .r-k { font-size: .66rem; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; color: var(--emerald); }
.rera .r-v {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: 1.02rem; font-weight: 800; color: var(--forest-900); letter-spacing: .01em;
}
.bg-dark .rera { background: rgba(169,220,60,.12); border-color: rgba(169,220,60,.35); }
.bg-dark .rera .r-k { color: var(--lime); }
.bg-dark .rera .r-v { color: #fff; }

/* ---------- Nine-step journey ---------- */
.journey { position: relative; display: grid; gap: .75rem; }
.jstep {
  display: grid; grid-template-columns: 54px 1fr; gap: 1.2rem; align-items: center;
  padding: 1.15rem 1.4rem; border-radius: var(--r-md);
  background: #fff; border: 1px solid var(--line);
  transition: transform .4s var(--ease-out), box-shadow .4s var(--ease-out);
}
.jstep:hover { transform: translateX(5px); box-shadow: var(--sh-sm); }
.jstep.dark { background: var(--grad-dark); border-color: transparent; }
.jstep.final { background: linear-gradient(120deg, var(--forest-700), var(--emerald)); border-color: transparent; box-shadow: var(--sh-glow); }
.jstep .j-n {
  width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(140deg, rgba(21,127,74,.12), rgba(169,220,60,.24));
  color: var(--emerald);
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-weight: 800; font-size: 1.02rem;
}
.jstep.dark .j-n, .jstep.final .j-n { background: rgba(255,255,255,.14); color: #fff; }
.jstep h3 { font-family: var(--font-sans); font-size: 1rem; font-weight: 700; color: var(--forest-900); margin-bottom: .18rem; }
.jstep.dark h3, .dark h4, .jstep.final h3, .final h4 { color: #fff; }
.jstep p { font-size: .86rem; color: var(--slate-500); line-height: 1.5; }
.jstep.dark p, .jstep.final p { color: rgba(255,255,255,.74); }

.jgate {
  display: flex; align-items: center; justify-content: center; gap: 1.2rem; flex-wrap: wrap;
  padding: 1.1rem 1.5rem; margin: .3rem 0; border-radius: var(--r-md);
  background: rgba(201,165,75,.10); border: 1.5px dashed rgba(201,165,75,.45);
}
.jgate .g-score {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: 1.3rem; font-weight: 800; color: var(--emerald);
}
.jgate .g-no {
  font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase;
  color: #8F3D2B; background: rgba(180,85,63,.10); padding: .3rem .8rem; border-radius: var(--r-pill);
}

/* ---------- Due-diligence scorecard ---------- */
.dd-score { display: grid; gap: .85rem; }
.dd-row { display: grid; grid-template-columns: 1.3fr 2fr auto; gap: 1rem; align-items: center; }
.dd-row .dd-k { font-size: .88rem; font-weight: 600; color: var(--forest-900); }
.dd-bar { height: 9px; border-radius: 6px; background: var(--cream-200); overflow: hidden; }
.dd-bar i { display: block; height: 100%; border-radius: 6px; background: var(--grad-lime); }
.dd-bar i.partial { background: linear-gradient(90deg, var(--gold), var(--gold-soft)); }
.dd-row .dd-v {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: .88rem; font-weight: 800; color: var(--emerald); min-width: 62px; text-align: right;
}
.bg-dark .dd-row .dd-k { color: rgba(255,255,255,.86); }
.bg-dark .dd-bar { background: rgba(255,255,255,.12); }
.bg-dark .dd-row .dd-v { color: var(--lime); }

.dd-total {
  display: flex; align-items: baseline; justify-content: center; gap: .6rem;
  padding: 1.6rem; border-radius: var(--r-lg);
  background: var(--grad-dark); box-shadow: var(--sh-glow); text-align: center;
}
.dd-total .t-v {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: clamp(2.4rem, 5vw, 3.4rem); font-weight: 800; color: var(--lime); line-height: 1;
}
.dd-total .t-k { font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.62); font-weight: 700; }

/* ---------- Project fact sheet ---------- */
.facts { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r-md); overflow: hidden; }
.fact { background: #fff; padding: 1.15rem 1.3rem; }
.fact .f-k { font-size: .68rem; letter-spacing: .13em; text-transform: uppercase; color: var(--slate-500); font-weight: 800; margin-bottom: .3rem; }
.fact .f-v { font-size: .96rem; font-weight: 600; color: var(--forest-900); line-height: 1.5; }
.fact .f-v.mono { font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums; font-weight: 800; }

/* ---------- Security cover ---------- */
.seccover { display: grid; grid-template-columns: 1fr auto 1fr; gap: 1.2rem; align-items: center; }
.seccover .sc-box {
  padding: 1.7rem 1.4rem; border-radius: var(--r-lg); text-align: center;
  border: 1px solid var(--line); background: #fff;
}
.seccover .sc-box.big { background: var(--grad-dark); border-color: transparent; box-shadow: var(--sh-glow); }
.seccover .sc-v {
  font-family: var(--font-num); font-variant-numeric: lining-nums tabular-nums;
  font-size: clamp(1.8rem, 3.6vw, 2.6rem); font-weight: 800; color: var(--forest-900); line-height: 1;
}
.seccover .sc-box.big .sc-v { color: var(--lime); }
.seccover .sc-k { font-size: .8rem; color: var(--slate-500); margin-top: .5rem; }
.seccover .sc-box.big .sc-k { color: rgba(255,255,255,.7); }
.seccover .sc-op { font-family: var(--font-num); font-size: 1.6rem; font-weight: 800; color: var(--slate-300); }

@media (max-width: 900px) {
  .facts { grid-template-columns: 1fr; }
  .dd-row { grid-template-columns: 1fr auto; }
  .dd-row .dd-bar { grid-column: 1 / -1; order: 3; }
  .seccover { grid-template-columns: 1fr; }
  .seccover .sc-op { transform: rotate(90deg); }
  .jstep { grid-template-columns: 40px 1fr; gap: .9rem; padding: 1rem; }
  .jstep .j-n { width: 34px; height: 34px; font-size: .9rem; }
}

/* ==========================================================================
   22h. SECTION INDEX  ("on this page" chips + back-to-top)
   ========================================================================== */
/* Sits directly beneath the sticky site header, so the index stays on screen
   whichever section you are reading. Chips are plain anchors — the smooth
   scroll comes from scroll-behavior on <html>, which already honours
   prefers-reduced-motion, so this works with JavaScript disabled. */
.secnav {
  position: sticky; top: var(--nav-h); z-index: 70;
  background: rgba(255,255,255,.93);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 6px 20px rgba(6,32,23,.05);
}
.secnav .wrap { display: flex; align-items: center; gap: 1rem; min-height: 54px; }
.secnav-label {
  flex: 0 0 auto;
  font-family: var(--font-sans); font-size: .66rem; font-weight: 800;
  letter-spacing: .15em; text-transform: uppercase; color: var(--slate-500);
  padding-right: 1rem; border-right: 1px solid var(--line);
}
.secnav-track {
  display: flex; align-items: center; gap: .4rem;
  /* min-width:0 is essential. As a flex item this defaults to min-width:auto,
     which refuses to shrink below the combined width of the chips — the strip
     then widens the whole page instead of scrolling inside itself. */
  flex: 1 1 auto; min-width: 0;
  overflow-x: auto; overflow-y: hidden;
  scroll-behavior: smooth;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  padding: .55rem 0;
  /* Fade the right edge so it reads as scrollable rather than clipped. */
  -webkit-mask-image: linear-gradient(to right, #000 0, #000 calc(100% - 34px), transparent 100%);
          mask-image: linear-gradient(to right, #000 0, #000 calc(100% - 34px), transparent 100%);
}
.secnav-track::-webkit-scrollbar { display: none; }
.secnav-chip {
  flex: 0 0 auto;
  padding: .42rem .85rem;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: #fff;
  font-family: var(--font-sans); font-size: .78rem; font-weight: 600;
  color: var(--slate-500); white-space: nowrap;
  transition: background .25s var(--ease), color .25s var(--ease),
              border-color .25s var(--ease), transform .25s var(--ease-out);
}
.secnav-chip:hover { color: var(--forest-900); border-color: var(--lime); transform: translateY(-1px); }
.secnav-chip.active {
  background: var(--grad-brand); border-color: transparent;
  color: #fff; font-weight: 700;
}
.secnav-chip:focus-visible { outline: 2px solid var(--emerald); outline-offset: 2px; }

/* Land the jump below BOTH sticky bars. scroll-padding-top and scroll-margin-top
   add together, so this is set as padding on the scroll container rather than as
   margin on each target — otherwise the two would stack and overshoot. The class
   is put on <html> only for pages that carry an index. */
html.has-secnav { scroll-padding-top: calc(var(--nav-h) + 66px); }
#top { position: absolute; top: 0; }

/* Back to top, at the end of every section */
.sec-top { display: flex; justify-content: flex-end; margin-top: 2.4rem; }
.sec-top a {
  display: inline-flex; align-items: center; gap: .45rem;
  padding: .5rem 1rem .5rem .8rem;
  border-radius: 999px; border: 1px solid var(--line); background: #fff;
  font-family: var(--font-sans); font-size: .76rem; font-weight: 700;
  letter-spacing: .04em; color: var(--slate-500);
  transition: color .25s var(--ease), border-color .25s var(--ease),
              background .25s var(--ease), transform .25s var(--ease-out);
}
.sec-top a:hover {
  color: var(--forest-900); border-color: var(--lime);
  background: var(--cream); transform: translateY(-2px);
}
.sec-top .st-ico { display: inline-flex; color: var(--emerald); }
/* On the dark and cream bands the default white pill would disappear. */
.bg-dark .sec-top a {
  background: rgba(255,255,255,.07); border-color: rgba(255,255,255,.16);
  color: rgba(255,255,255,.78);
}
.bg-dark .sec-top a:hover { background: rgba(255,255,255,.13); color: #fff; border-color: var(--lime); }
.bg-dark .sec-top .st-ico { color: var(--lime); }
.bg-cream .sec-top a:hover { background: #fff; }

@media (max-width: 900px) {
  .secnav .wrap { min-height: 48px; gap: .7rem; }
  .secnav-label { display: none; }
  .secnav-chip { font-size: .74rem; padding: .38rem .75rem; }
  .sec-top { margin-top: 1.8rem; }
}

/* ==========================================================================
   22g. MANAGED-PRODUCT COMPONENTS  (SIF / PMS / AIF)
   ========================================================================== */
/* A comparison table with a variable number of columns. The column template is
   supplied inline as --cmp-cols, and each cell carries a data-l label that is
   promoted to a heading when the table stacks on small screens. This keeps the
   life-insurance .cmp-table (which is hard-wired to five columns with fixed
   mobile labels) untouched. */
.cmp-table.gen .cmp-row { grid-template-columns: var(--cmp-cols, repeat(4, 1fr)); }
@media (max-width: 1080px) {
  .cmp-table.gen .cmp-row { grid-template-columns: 1fr; }
  .cmp-table.gen .cmp-row > div::before { content: attr(data-l); }
  .cmp-table.gen .cmp-row > div:first-child::before { content: none; }
}

/* ==========================================================================
   22f. INSURANCE HUB COMPONENTS
   ========================================================================== */
/* A .card rendered as an anchor, so the whole tile is the click target. */
.ins-card { display: flex; flex-direction: column; }
.ins-card h3 { transition: color .3s var(--ease); }
.ins-card:hover h3 { color: var(--emerald); }
.ins-card p { flex: 1 1 auto; }
.ins-card .link-arrow { align-self: flex-start; }
/* The journey steps on the hub carry a link, which needs breathing room and
   must stay legible on the alternating dark steps. */
.journey .jstep a.link-arrow { display: inline-flex; }
.journey .jstep.dark a.link-arrow { color: var(--lime); }

/* ---------- 23. Floating actions ---------- */
.float-actions { position: fixed; right: 20px; bottom: 22px; z-index: 80; display: grid; gap: .6rem; }
.fab {
  width: 50px; height: 50px; border-radius: 50%;
  display: grid; place-items: center; color: #fff;
  box-shadow: 0 12px 34px rgba(6,32,23,.28);
  transition: transform .4s var(--ease-out), box-shadow .4s;
}
.fab:hover { transform: translateY(-4px) scale(1.05); }
.fab-wa { background: #25D366; }
.fab-call { background: var(--grad-brand); }
.fab-top { background: var(--forest-800); opacity: 0; visibility: hidden; transform: translateY(12px); }
.fab-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.fab svg { width: 21px; height: 21px; }

/* ---------- 24. Reveal animations ---------- */
[data-reveal] {
  opacity: 0; transform: translateY(28px);
  transition: opacity .85s var(--ease-out), transform .85s var(--ease-out);
  will-change: opacity, transform;
}
[data-reveal="left"]  { transform: translateX(-34px); }
[data-reveal="right"] { transform: translateX(34px); }
[data-reveal="zoom"]  { transform: scale(.94); }
[data-reveal].in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  [data-reveal] { opacity: 1; transform: none; }
}

/* ---------- 25. Preloader ---------- */
.preloader {
  position: fixed; inset: 0; z-index: 300;
  background: var(--forest-900);
  display: grid; place-items: center;
  transition: opacity .6s var(--ease), visibility .6s;
}
.preloader.done { opacity: 0; visibility: hidden; }
.pl-inner { text-align: center; }
.pl-inner img { height: 84px; width: auto; margin: 0 auto 1.4rem; animation: plPulse 1.7s ease-in-out infinite; }
@keyframes plPulse { 0%,100% { transform: scale(1); opacity: .85; } 50% { transform: scale(1.07); opacity: 1; } }
.pl-bar { width: 168px; height: 3px; border-radius: 3px; background: rgba(255,255,255,.12); overflow: hidden; margin: 0 auto; }
.pl-bar i { display: block; height: 100%; width: 40%; border-radius: 3px; background: var(--grad-lime); animation: plSlide 1.2s var(--ease) infinite; }
@keyframes plSlide { 0% { transform: translateX(-100%); } 100% { transform: translateX(320%); } }

/* ---------- 26. Utilities ---------- */
.mt-0 { margin-top: 0 !important; }
.mt-1 { margin-top: .6rem; }
.mt-2 { margin-top: 1.2rem; }
.mt-3 { margin-top: 2rem; }
.mt-4 { margin-top: 3rem; }
.mb-2 { margin-bottom: 1.2rem; }
.mb-3 { margin-bottom: 2rem; }
.text-center { text-align: center; }
.relative { position: relative; }
.divider { height: 1px; background: var(--line); border: 0; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 500;
  background: var(--forest-900); color: #fff; padding: .8rem 1.2rem; border-radius: 0 0 var(--r-sm) 0;
}
.skip-link:focus { left: 0; }

/* ---------- 27. Responsive ---------- */
/* The mega-menu only exists above 1080px, but between 1081 and 1200 the
   three grouped columns need tightening so the two-up Insurance column
   does not squeeze its labels. */
@media (max-width: 1200px) {
  .mega-cols { gap: 1rem; }
  .mega-col + .mega-col { padding-left: 1rem; }
  .mega-item { padding: .6rem .55rem; gap: .6rem; }
  .mega-ico { flex: 0 0 32px; height: 32px; border-radius: 9px; }
  .mega-title { font-size: .84rem; }
  .mega-desc { font-size: .71rem; }
}
@media (max-width: 1080px) {
  .nav-menu, .nav-cta .btn-ghost { display: none; }
  .burger { display: grid; }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .footer-top { grid-template-columns: repeat(2, 1fr); gap: 1.6rem; }
  .goal-grid { grid-template-columns: repeat(3, 1fr); }
  .tslide { flex: 0 0 calc((100% - 1.6rem) / 2); }
  .process { grid-template-columns: repeat(2, 1fr); gap: 2.2rem; }
  .process::before { display: none; }
}
@media (max-width: 900px) {
  :root { --nav-h: 68px; }
  .hero-grid { grid-template-columns: 1fr; gap: 3rem; }
  .hero-visual { min-height: 0; margin-top: 1rem; }
  .hero-card-main { position: static; width: auto; }
  .float-card { position: static; animation: none; margin-top: 1rem; }
  .split, .split.wide-left, .split.wide-right { grid-template-columns: 1fr; }
  .g4 { grid-template-columns: repeat(2, 1fr); }
  .g3 { grid-template-columns: repeat(2, 1fr); }
  .tri-cards { grid-template-columns: 1fr; }
  .calc-result { grid-template-columns: 1fr; gap: 1.4rem; }
  .topbar-left .tb-hide { display: none; }
  .frame::after { display: none; }
}
@media (max-width: 640px) {
  body { font-size: 15.8px; }
  .wrap, .wrap-narrow { width: min(100% - 2.2rem, var(--wrap)); }
  .g2, .g3, .g4 { grid-template-columns: 1fr; }
  .goal-grid { grid-template-columns: repeat(2, 1fr); }
  .tslide { flex: 0 0 100%; }
  .form-row { grid-template-columns: 1fr; }
  .footer-main, .footer-top { grid-template-columns: 1fr; }
  .stat + .stat::before { display: none; }
  .hero-trust { gap: 1.6rem; }
  .brand img { height: 42px; }
  .brand-name { font-size: 1.05rem; }
  .topbar { font-size: .74rem; }
  .topbar-left { gap: .9rem; }
  .process { grid-template-columns: 1fr; }
  .acc-panel-inner { padding-left: .4rem; }
  .float-card { position: static; margin-top: .8rem; animation: none; }
  .badge-float { position: static; margin-top: 1rem; }
  .nav-cta .btn { display: none; }
  .brand-tag { display: none; }
  .nav { gap: .6rem; }
  .float-actions { right: 14px; bottom: 16px; }
  .fab { width: 46px; height: 46px; }
  .cta-band { border-radius: var(--r-lg); }
}
@media (max-width: 380px) {
  .brand-name { font-size: .95rem; }
  .brand img { height: 38px; }
}

/* Chip sub-label — must invert on dark sections (SIP frequencies band). */
.chip .ch-sub { color: var(--slate-500); font-weight: 500; font-size: .82rem; }
.bg-dark .chip .ch-sub { color: rgba(255, 255, 255, .62); }

/* AMFI registration disclosure — footer badge and credentials note. */
.f-badge-arn {
  background: rgba(169, 220, 60, .12);
  border-color: rgba(169, 220, 60, .32);
  color: var(--lime);
  text-transform: none;
  letter-spacing: .04em;
}
.creds-note {
  display: flex; gap: .7rem; align-items: flex-start;
  margin-top: 1rem; font-size: .82rem; line-height: 1.65; color: var(--slate-500);
}
.creds-note svg { width: 16px; height: 16px; color: var(--emerald); flex-shrink: 0; margin-top: .2rem; }
.creds-note strong { color: var(--forest-800); }

/* Highlight a sensitivity/compare row without the "actual" annotation
   (that label belongs only to the NPA table's real-world figure). */
.sens-row.hl { background: rgba(169, 220, 60, .10); }

/* White cards placed inside a .bg-dark section: the section rule paints all
   headings white, which makes them invisible on the card's white background.
   Re-assert dark heading text for those components. */
/* NOTE: only components that render a WHITE card on a dark section belong
   here. .def and .trust-item paint themselves a translucent DARK card inside
   .bg-dark, so their headings must stay white — they are excluded. */
.bg-dark .otype h3,
.bg-dark .otype h3, .otype h4,
.bg-dark .jstep:not(.dark):not(.final) h4,
.bg-dark .fact .f-v,
.bg-dark .card:not([style*="rgba"]) h3,
.bg-dark .vs-row .vs-k { color: var(--forest-900); }

/* ---------- Five-column plan comparison table (life insurance) ---------- */
.cmp-table {
  border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; background: #fff;
}
.cmp-row {
  display: grid; grid-template-columns: .9fr 1.5fr 1.2fr 1.2fr 1.3fr;
  border-top: 1px solid var(--line);
}
.cmp-row:first-child { border-top: 0; }
.cmp-row > div { padding: 1rem 1.15rem; font-size: .88rem; color: var(--slate-500); line-height: 1.55; }
.cmp-row > div + div { border-left: 1px solid var(--line); }
.cmp-row .cr-k { font-weight: 700; color: var(--forest-900); background: var(--cream); }
.cmp-row .cr-b { color: var(--forest-800); font-weight: 600; background: rgba(169,220,60,.06); }
.cmp-row.cmp-head > div {
  font-size: .7rem !important; font-weight: 800; letter-spacing: .12em;
  text-transform: uppercase; color: var(--slate-500); background: var(--cream);
}
.cmp-row.cmp-head .cr-b { color: var(--emerald); }
@media (max-width: 1080px) {
  .cmp-row { grid-template-columns: 1fr; }
  .cmp-row > div + div { border-left: 0; border-top: 1px solid var(--line); }
  .cmp-row.cmp-head { display: none; }
  .cmp-row > div::before { font-weight: 700; color: var(--forest-900); display: block; font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: .2rem; }
  .cmp-row > div:nth-child(2)::before { content: "Overview"; }
  .cmp-row > div:nth-child(3)::before { content: "Maturity benefit"; }
  .cmp-row > div:nth-child(4)::before { content: "Death benefit"; }
  .cmp-row > div:nth-child(5)::before { content: "Best suited for"; }
}

/* ==========================================================================
   28. TOUCH TARGETS & PLATFORM BEHAVIOUR
   Everything here is scoped to coarse pointers or to safe-area insets, so the
   desktop design is unchanged. The goal is that the same markup behaves
   correctly on Windows, iOS and Android.
   ========================================================================== */

/* Unprefixed companion to -webkit-text-size-adjust set on <html> above. Stops
   iOS and Edge inflating body copy when a phone is rotated to landscape. */
html { text-size-adjust: 100%; }

/* Android Chrome and iOS Safari paint a grey/blue block over a tapped element.
   Replace it with a faint brand tint so taps feel intentional, not broken. */
a, button, summary, [role="button"],
input, select, textarea, label {
  -webkit-tap-highlight-color: rgba(21, 127, 74, .12);
}

/* Keep the drawer's momentum scroll from chaining to the page behind it. */
.drawer, .secnav-track { overscroll-behavior: contain; }

/* ---- Safe areas (notch / home indicator) ---------------------------------- */
/* These evaluate to 0 on every device without a cutout, so they are inert on
   Windows and Android hardware without insets. */
.float-actions {
  right: calc(20px + env(safe-area-inset-right));
  bottom: calc(22px + env(safe-area-inset-bottom));
}
.drawer { padding-bottom: env(safe-area-inset-bottom); }
@media (orientation: landscape) {
  /* A notched iPhone in landscape puts a ~44px dead zone on the leading edge. */
  .wrap, .wrap-narrow {
    padding-left: env(safe-area-inset-left);
    padding-right: env(safe-area-inset-right);
  }
}

/* ---- Coarse pointers: phones, tablets, touch laptops --------------------- */
@media (pointer: coarse) {

  /* iOS Safari zooms the entire page when a focused control renders below
     16px, then leaves the layout shifted. Anything under 16px here is the
     difference between a form that works and one that fights the user. */
  input, select, textarea,
  .field input, .field select, .field textarea,
  .lead-form .field input, .lead-form .field select, .lead-form .field textarea,
  .nl-form input {
    font-size: 16px;
  }

  /* Standalone controls up to a comfortable tap size. Inline links inside
     prose are deliberately left alone — enlarging those would break the
     line height of body copy for no real benefit. */
  .topbar-socials a { width: 36px; height: 36px; }
  .footer-socials a { width: 44px; height: 44px; }
  .drawer-close { width: 44px; height: 44px; }
  .burger { width: 46px; height: 46px; }

  /* Stacked link lists: without extra vertical padding these sit ~25px apart
     and adjacent items get mis-tapped. */
  .drawer-nav > li > a,
  .drawer-nav .drawer-acc-btn { min-height: 48px; display: flex; align-items: center; }
  .drawer-sub a { padding-top: .8rem; padding-bottom: .8rem; }
  .footer-col ul a { display: inline-block; padding: .55rem 0; }
  .crumbs a { display: inline-block; padding: .3rem 0; }

  /* Contact details are the highest-intent taps on the site — a mis-tap on a
     phone number is a lost enquiry. These render as bare 16-17px text links
     in the footer info blocks and on the contact page. */
  .f-info a,
  .info-card a,
  .topbar-left a { display: inline-flex; align-items: center; min-height: 40px; }

  /* Call-to-action links and the section index. */
  .link-arrow { min-height: 44px; }
  .secnav-chip { min-height: 40px; display: inline-flex; align-items: center; }
  .sec-top a { min-height: 44px; }

  /* The visible slider track stays 6px; the element grows to a 34px grab area
     using content-box clipping, so the control looks identical but can
     actually be hit with a thumb. */
  input[type="range"] {
    height: 34px; padding: 14px 0;
    background-clip: content-box;
  }
  input[type="range"]::-webkit-slider-thumb { width: 26px; height: 26px; }
  input[type="range"]::-moz-range-thumb { width: 26px; height: 26px; }

  /* Carousel dots are 8px by design. Keep the visual dot small but give it an
     invisible hit area, using a pseudo element so no markup changes.
     The width is deliberately tied to the gap: a flat 44px box would overlap
     its neighbours at the default .6rem spacing and taps would land on the
     wrong dot — worse than the small target it was meant to fix. Widening the
     gap to 20px and sizing the hit area to the dot + 18px tiles them with a
     2px clearance. */
  /* On a phone the dots themselves are enlarged as well as their hit area. */
  .tdot { width: 12px; height: 12px; }
  .tdot.active { width: 30px; }

  /* Hover transforms are meaningless on touch and leave elements stuck in the
     hovered state after a tap. */
  .card:hover, .fab:hover, .mega-item:hover,
  .secnav-chip:hover, .sec-top a:hover { transform: none; }
}

/* ---- Pointer-less / hover-less devices ----------------------------------- */
@media (hover: none) {
  /* The mega-menu opens on :hover on desktop. On a touch screen that never
     fires, so the :focus-within fallback in section 7 is what opens it —
     tapping the Products button focuses it. Suppress the hover rule entirely
     so a stray touch does not leave the panel half-open. */
  .has-mega:hover .mega { opacity: 0; visibility: hidden; pointer-events: none; }
  .has-mega:focus-within .mega { opacity: 1; visibility: visible; pointer-events: auto; }
}
