/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'DM Sans', sans-serif;
  color: #1e3a5f;
  background: #faf8f4;
  line-height: 1.65;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

/* ===== UTILITIES ===== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.text-gold { color: #d4a017; }
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #d4a017;
  margin-bottom: 12px;
}
.section-label::before {
  content: '';
  width: 28px;
  height: 2px;
  background: #d4a017;
  display: inline-block;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.85rem, 4vw, 2.75rem);
  font-weight: 800;
  line-height: 1.2;
  color: #1e3a5f;
  margin-bottom: 16px;
}
.section-subtitle {
  font-size: 1.05rem;
  color: #4a6278;
  max-width: 560px;
  line-height: 1.7;
}

/* ===== NAV ===== */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(30, 58, 95, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 2px solid rgba(212, 160, 23, 0.3);
  transition: box-shadow 0.3s;
}
.nav.scrolled { box-shadow: 0 4px 30px rgba(30, 58, 95, 0.25); }
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  height: 70px;
  gap: 32px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 1rem;
  color: #fff;
  white-space: nowrap;
}
.nav-logo-icon { width: 32px; height: 32px; flex-shrink: 0; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  margin-left: auto;
}
.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  transition: color 0.2s;
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: #d4a017;
  transition: width 0.25s;
}
.nav-links a:hover { color: #fff; }
.nav-links a:hover::after { width: 100%; }
.nav-cta {
  background: #d4a017 !important;
  color: #1e3a5f !important;
  padding: 8px 20px;
  border-radius: 50px;
  font-weight: 600;
  transition: transform 0.2s, box-shadow 0.2s !important;
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { transform: translateY(-1px); box-shadow: 0 4px 14px rgba(212,160,23,0.4); }

/* Mobile toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  margin-left: auto;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}
.nav-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    background: rgba(30, 58, 95, 0.98);
    backdrop-filter: blur(12px);
    flex-direction: column;
    padding: 24px;
    gap: 16px;
    transform: translateY(-110%);
    transition: transform 0.35s ease;
    border-bottom: 2px solid rgba(212,160,23,0.3);
  }
  .nav-links.open { transform: translateY(0); }
  .nav-logo span { display: none; }
}

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: #1e3a5f;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  z-index: 1;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(30,58,95,0.92) 0%, rgba(30,58,95,0.7) 50%, rgba(30,58,95,0.5) 100%);
  z-index: 2;
}
.hero-geo {
  position: absolute;
  z-index: 3;
  pointer-events: none;
}
.hero-geo--tl {
  top: -80px;
  left: -80px;
  width: 320px;
  height: 320px;
  background: rgba(212,160,23,0.12);
  border-radius: 50%;
}
.hero-geo--br {
  bottom: -120px;
  right: -60px;
  width: 400px;
  height: 400px;
  background: rgba(212,160,23,0.08);
  border-radius: 50%;
}
.hero-geo--dot {
  top: 20%;
  right: 12%;
  width: 12px;
  height: 12px;
  background: #d4a017;
  border-radius: 50%;
  box-shadow: 0 0 0 6px rgba(212,160,23,0.2), 0 0 0 16px rgba(212,160,23,0.08);
  animation: pulse 3s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 6px rgba(212,160,23,0.2), 0 0 0 16px rgba(212,160,23,0.08); }
  50% { box-shadow: 0 0 0 10px rgba(212,160,23,0.3), 0 0 0 28px rgba(212,160,23,0.12); }
}
.hero-content {
  position: relative;
  z-index: 4;
  max-width: 1200px;
  margin: 0 auto;
  padding: 120px 24px 80px;
  width: 100%;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(212,160,23,0.15);
  border: 1px solid rgba(212,160,23,0.4);
  color: #d4a017;
  padding: 8px 18px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  margin-bottom: 28px;
}
.hero-badge svg { width: 14px; height: 14px; }
.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.4rem, 5.5vw, 4.2rem);
  font-weight: 800;
  line-height: 1.1;
  color: #fff;
  max-width: 720px;
  margin-bottom: 24px;
}
.hero-desc {
  font-size: clamp(1.05rem, 1.5vw, 1.2rem);
  color: rgba(255,255,255,0.8);
  max-width: 540px;
  line-height: 1.75;
  margin-bottom: 36px;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 48px;
}
.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
}
.trust-item svg { width: 18px; height: 18px; color: #d4a017; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  transition: transform 0.2s, box-shadow 0.2s, background 0.2s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn--gold {
  background: #d4a017;
  color: #1e3a5f;
}
.btn--gold:hover { box-shadow: 0 8px 24px rgba(212,160,23,0.35); }
.btn--outline {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,0.4);
}
.btn--outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); }
.btn--white {
  background: #fff;
  color: #1e3a5f;
}
.btn--white:hover { box-shadow: 0 8px 24px rgba(255,255,255,0.25); }
.btn--lg { padding: 18px 36px; font-size: 1.05rem; }
.btn--full { width: 100%; justify-content: center; }
.btn svg { width: 18px; height: 18px; }

/* ===== SERVICES ===== */
.services {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.geo-accent {
  position: absolute;
  pointer-events: none;
}
.geo-accent--top {
  top: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, #1e3a5f, #d4a017, #1e3a5f);
}
.geo-accent--bottom {
  bottom: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, #1e3a5f, #d4a017, #1e3a5f);
}
.services .container { position: relative; z-index: 2; }
.services .section-title,
.services .section-subtitle { margin-bottom: 48px; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.service-card {
  background: #fff;
  border-radius: 16px;
  padding: 36px 28px;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(30,58,95,0.08);
  transition: transform 0.3s, box-shadow 0.3s;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 50px rgba(30,58,95,0.12);
}
.service-card-geo {
  position: absolute;
  top: -40px;
  right: -40px;
  width: 120px;
  height: 120px;
  background: rgba(212,160,23,0.08);
  border-radius: 50%;
  transition: transform 0.4s;
}
.service-card:hover .service-card-geo { transform: scale(1.5); }
.service-icon {
  width: 56px;
  height: 56px;
  margin-bottom: 20px;
}
.service-icon svg { width: 100%; height: 100%; }
.service-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: #1e3a5f;
  margin-bottom: 12px;
}
.service-card p {
  font-size: 0.95rem;
  color: #4a6278;
  line-height: 1.7;
}

/* ===== HOW IT WORKS ===== */
.how-it-works {
  padding: 100px 0;
  background: #1e3a5f;
  position: relative;
  overflow: hidden;
}
.how-it-works::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 400px;
  height: 400px;
  background: rgba(212,160,23,0.06);
  border-radius: 50%;
  pointer-events: none;
}
.hiw-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hiw-image-wrap {
  position: relative;
}
.hiw-image {
  border-radius: 20px;
  overflow: hidden;
  position: relative;
  z-index: 2;
}
.hiw-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hiw-image-geo {
  position: absolute;
  bottom: -20px;
  left: -20px;
  width: 100%;
  height: 100%;
  border: 3px solid #d4a017;
  border-radius: 20px;
  z-index: 1;
}
.hiw-content .section-label { color: #d4a017; }
.hiw-content .section-title { color: #fff; }
.hiw-steps { margin-top: 40px; display: flex; flex-direction: column; gap: 32px; }
.hiw-step { display: flex; gap: 20px; }
.hiw-step-num {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 800;
  color: #d4a017;
  line-height: 1;
  flex-shrink: 0;
  min-width: 48px;
}
.hiw-step h3 {
  font-size: 1.1rem;
  font-weight: 600;
  color: #fff;
  margin-bottom: 6px;
}
.hiw-step p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.7;
}
@media (max-width: 900px) {
  .hiw-layout { grid-template-columns: 1fr; gap: 40px; }
  .hiw-image-wrap { max-width: 400px; }
}

/* ===== ABOUT ===== */
.about {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.about-geo--1 {
  position: absolute;
  top: 60px;
  right: -60px;
  width: 200px;
  height: 200px;
  background: rgba(212,160,23,0.07);
  border-radius: 50%;
  pointer-events: none;
}
.about-geo--2 {
  position: absolute;
  bottom: -40px;
  left: -40px;
  width: 160px;
  height: 160px;
  background: rgba(30,58,95,0.05);
  border-radius: 50%;
  pointer-events: none;
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-text p {
  font-size: 1rem;
  color: #4a6278;
  line-height: 1.8;
  margin-bottom: 16px;
}
.about-stats {
  display: flex;
  gap: 32px;
  margin-top: 36px;
}
.stat { text-align: center; }
.stat-num {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 800;
  color: #1e3a5f;
}
.stat-label {
  font-size: 0.85rem;
  color: #4a6278;
  font-weight: 500;
}
.about-image-wrap {
  position: relative;
}
.about-image {
  border-radius: 20px;
  overflow: hidden;
  position: relative;
  z-index: 2;
}
.about-image img { width: 100%; height: 100%; object-fit: cover; }
.about-image-geo {
  position: absolute;
  top: -16px;
  right: -16px;
  width: 60%;
  height: 60%;
  border: 3px solid #d4a017;
  border-radius: 20px;
  z-index: 1;
}
@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-image-wrap { max-width: 400px; }
}

/* ===== TESTIMONIALS ===== */
.testimonials {
  padding: 100px 0;
  background: linear-gradient(180deg, #faf8f4 0%, #f0ebe0 100%);
  position: relative;
}
.testimonials .container { text-align: center; }
.testimonials .section-title { margin-bottom: 48px; }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
  text-align: left;
}
.testimonial-card {
  background: #fff;
  border-radius: 16px;
  padding: 32px 28px;
  border: 1px solid rgba(30,58,95,0.06);
  transition: transform 0.3s, box-shadow 0.3s;
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(30,58,95,0.1);
}
.testimonial-stars {
  color: #d4a017;
  font-size: 1.1rem;
  letter-spacing: 2px;
  margin-bottom: 16px;
}
.testimonial-quote {
  font-size: 0.98rem;
  color: #4a6278;
  line-height: 1.75;
  margin-bottom: 24px;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}
.testimonial-avatar {
  width: 44px;
  height: 44px;
  background: #1e3a5f;
  color: #d4a017;
  border-radius: 50%;
  display: flex;
  align-items: center;
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.testimonial-name {
  font-weight: 600;
  color: #1e3a5f;
  font-size: 0.95rem;
}
.testimonial-location {
  font-size: 0.82rem;
  color: #8a9bb0;
}

/* ===== FAQ ===== */
.faq {
  padding: 100px 0;
  position: relative;
}
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 64px;
  align-items: start;
}
.faq-header .section-subtitle { margin-top: 12px; }
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: #fff;
  border-radius: 12px;
  border: 1px solid rgba(30,58,95,0.08);
  overflow: hidden;
  transition: box-shadow 0.3s;
}
.faq-item:hover { box-shadow: 0 4px 16px rgba(30,58,95,0.06); }
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  font-size: 1rem;
  font-weight: 600;
  color: #1e3a5f;
  text-align: left;
  gap: 16px;
}
.faq-q:hover { color: #d4a017; }
.faq-toggle {
  font-size: 1.4rem;
  font-weight: 300;
  color: #d4a017;
  flex-shrink: 0;
  transition: transform 0.3s;
  line-height: 1;
}
.faq-item.open .faq-toggle { transform: rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}
.faq-item.open .faq-a { max-height: 200px; }
.faq-a p {
  padding: 0 24px 18px;
  font-size: 0.95rem;
  color: #4a6278;
  line-height: 1.7;
}
@media (max-width: 900px) {
  .faq-layout { grid-template-columns: 1fr; gap: 40px; }
}

/* ===== CTA BANNER ===== */
.cta-banner {
  padding: 80px 0;
  background: #1e3a5f;
  position: relative;
  overflow: hidden;
}
.cta-geo {
  position: absolute;
  pointer-events: none;
  border-radius: 50%;
}
.cta-geo--1 {
  top: -80px;
  left: -80px;
  width: 260px;
  height: 260px;
  background: rgba(212,160,23,0.1);
}
.cta-geo--2 {
  bottom: -100px;
  right: 10%;
  width: 320px;
  height: 320px;
  background: rgba(212,160,23,0.06);
}
.cta-geo--3 {
  top: 50%;
  right: -40px;
  width: 80px;
  height: 80px;
  background: rgba(255,255,255,0.04);
}
.cta-banner .container {
  position: relative;
  z-index: 2;
  text-align: center;
}
.cta-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 16px;
  line-height: 1.2;
}
.cta-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 36px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}
.cta-actions {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
}

/* ===== CONTACT ===== */
.contact {
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.contact-geo--1 {
  position: absolute;
  top: 40px;
  left: -60px;
  width: 200px;
  height: 200px;
  background: rgba(212,160,23,0.06);
  border-radius: 50%;
  pointer-events: none;
}
.contact-geo--2 {
  position: absolute;
  bottom: -60px;
  right: -60px;
  width: 240px;
  height: 240px;
  background: rgba(30,58,95,0.04);
  border-radius: 50%;
  pointer-events: none;
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
}
.contact-detail {
  display: flex;
  gap: 16px;
  margin-bottom: 28px;
}
.contact-detail-icon {
  width: 48px;
  height: 48px;
  background: rgba(212,160,23,0.1);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-detail-icon svg {
  width: 22px;
  height: 22px;
  color: #d4a017;
}
.contact-detail strong {
  display: block;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #1e3a5f;
  margin-bottom: 4px;
}
.contact-detail span,
.contact-detail a {
  font-size: 0.95rem;
  color: #4a6278;
}
.contact-detail a:hover { color: #d4a017; }
.contact-form-wrap {
  background: #fff;
  border-radius: 20px;
  padding: 40px 32px;
  border: 1px solid rgba(30,58,95,0.08);
  box-shadow: 0 8px 32px rgba(30,58,95,0.06);
}
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: #1e3a5f;
  margin-bottom: 6px;
}
.form-group input,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid rgba(30,58,95,0.12);
  border-radius: 10px;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.95rem;
  color: #1e3a5f;
  background: #faf8f4;
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
}
.form-group input:focus,
.form-group textarea:focus {
  border-color: #d4a017;
  box-shadow: 0 0 0 3px rgba(212,160,23,0.15);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: #a8b8c8; }
.form-group textarea { resize: vertical; min-height: 120px; }
.form-success {
  display: none;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  background: rgba(212,160,23,0.1);
  border: 1px solid rgba(212,160,23,0.3);
  border-radius: 10px;
  margin-top: 16px;
  color: #1e3a5f;
  font-weight: 500;
  font-size: 0.95rem;
}
.form-success svg { width: 22px; height: 22px; color: #d4a017; flex-shrink: 0; }
.form-success.show { display: flex; }
@media (max-width: 900px) {
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
}

/* ===== FOOTER ===== */
.footer {
  background: #14273e;
  padding: 64px 0 0;
  color: rgba(255,255,255,0.6);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.7;
  margin-top: 16px;
  max-width: 280px;
}
.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 1rem;
  color: #fff;
}
.footer-logo-icon { width: 32px; height: 32px; }
.footer-links,
.footer-contact { display: flex; flex-direction: column; gap: 10px; }
.footer-links strong,
.footer-contact strong {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #d4a017;
  margin-bottom: 4px;
}
.footer-links a,
.footer-contact a {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.footer-links a:hover,
.footer-contact a:hover { color: #d4a017; }
.footer-contact span { font-size: 0.9rem; }
.footer-bottom {
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.35);
}
@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ===== SCROLL ANIMATIONS ===== */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}