:root {
  --ink: #16284f;
  --navy: #253e82;
  --navy-700: #2f4f97;
  --gold: #107cbf;
  --gold-bright: #5cb0e2;
  --gold-soft: rgba(16,124,191,.13);
  --paper: #EEF3FA;
  --paper-2: #F6F9FD;
  --white: #FFFFFF;
  --slate: #1d2b44;
  --muted: #5b6b86;
  --line: rgba(37,62,130,.15);
  --line-soft: rgba(37,62,130,.08);
  --shadow: 0 26px 60px -28px rgba(22,40,79,.45);
  --shadow-sm: 0 12px 30px -18px rgba(22,40,79,.4);
  --r: 18px;
  --maxw: 1200px;
  --green: #1d7a4d;
  --green-soft: rgba(29,122,77,.1);
  --red: #c0392b;
  --red-soft: rgba(192,57,43,.09);
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion:reduce) { html { scroll-behavior: auto; } }
body {
  font-family: 'Poppins', system-ui, sans-serif;
  color: var(--slate);
  background-color: var(--paper);
  background-image: radial-gradient(rgba(37, 62, 130, 0.06) 1px, transparent 1px);
  background-size: 20px 20px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  width: 100%;
}
h1,h2,h3,h4 { font-family: 'Poppins', sans-serif; font-weight: 700; line-height: 1.12; color: var(--ink); letter-spacing: -.02em; }
a { text-decoration: none; color: inherit; }
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; width: 100%; }

/* ── eyebrow ── */
.eyebrow {
  font-family: 'Montserrat', sans-serif; font-size: .72rem; letter-spacing: .28em;
  text-transform: uppercase; color: var(--gold); font-weight: 700;
  display: inline-flex; align-items: center; gap: .6em;
}
.eyebrow::before { content: ""; width: 26px; height: 1px; background: var(--gold); display: inline-block; }
.eyebrow.center::after { content: ""; width: 26px; height: 1px; background: var(--gold); display: inline-block; }
.eyebrow.center { justify-content: center; }

/* ── buttons ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em; font-weight: 600; font-size: .95rem;
  padding: 14px 26px; border-radius: 999px; cursor: pointer; border: 1px solid transparent;
  transition: transform .25s ease, box-shadow .25s ease, background .25s ease, color .25s ease, border-color .25s ease;
  white-space: normal; flex-shrink: 0; max-width: 100%; text-align: center; line-height: 1.3;
}
.btn-gold { background: linear-gradient(135deg,#1f93d4,#253e82); color: #fff; box-shadow: 0 12px 26px -12px rgba(16,124,191,.75); }
.btn-gold:hover { background: linear-gradient(135deg,#2aa3e2,#2c4a99); transform: translateY(-2px); }
.btn-ghost { background: transparent; border-color: rgba(255,255,255,.25); color: #fff; }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold-bright); }
.btn-line { background: transparent; border-color: var(--line); color: var(--ink); }
.btn-line:hover { border-color: var(--ink); transform: translateY(-2px); }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: var(--navy); transform: translateY(-2px); }

/* ── header ── */
header { position: fixed; top: 0; left: 0; right: 0; z-index: 60; transition: background .35s, box-shadow .35s, padding .35s; }
header .bar { display: flex; align-items: center; justify-content: space-between; padding: 18px 0; transition: padding .35s; }
header.scrolled { background: rgba(10,26,48,.92); backdrop-filter: blur(12px); box-shadow: 0 1px 0 rgba(255,255,255,.06); }
header.scrolled .bar { padding: 12px 0; }
.brand { display: flex; align-items: center; gap: 0; color: #fff; }
.brand .seal { height: 60px; width: auto; flex: 0 0 auto; object-fit: contain; display: block;   }
.brand b { font-family: 'Poppins', sans-serif; font-size: 1.16rem; font-weight: 700; color: #fff; letter-spacing: .02em; }
.brand b span { color: var(--gold); }
.brand small { display: block; font-family: 'Montserrat', sans-serif; font-size: .56rem; letter-spacing: .22em; color: rgba(255,255,255,.55); text-transform: uppercase; margin-top: 1px; }
nav.main { display: flex; align-items: center; gap: 20px; flex-wrap: nowrap; min-width: 0; }
nav.main a.link { color: rgba(255,255,255,.82); font-size: .93rem; font-weight: 700; position: relative; padding: 4px 0; }
nav.main a.link { white-space: nowrap; }
nav.main a.link::after { content: ""; position: absolute; left: 0; bottom: -2px; width: 0; height: 2px; background: var(--gold); transition: width .28s; }
nav.main a.link:hover { color: #fff; }
nav.main a.link:hover::after { width: 100%; }
nav.main a.link.active { color: #fff; }
nav.main a.link.active::after { width: 100%; }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: 0; cursor: pointer; padding: 8px; }
.hamburger span { width: 24px; height: 2px; background: #fff; transition: .3s; }

@media (min-width: 981px) and (max-width: 1180px) {
  nav.main { gap: 14px; }
  nav.main a.link { font-size: .86rem; }
  nav.main .btn { padding: 12px 18px; font-size: .86rem; font-weight: 700; }
}

/* ── page hero ── */
.page-hero {
  background: radial-gradient(120% 120% at 82% 0%, #2f6bb4 0%, var(--ink) 58%);
  color: #fff;
  padding: 148px 0 80px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute; inset: 0; opacity: .55; pointer-events: none;
  background-image:
    repeating-radial-gradient(circle at 85% 8%, rgba(92,176,226,.12) 0, rgba(92,176,226,.12) 1px, transparent 1px, transparent 14px),
    repeating-linear-gradient(115deg, rgba(255,255,255,.028) 0, rgba(255,255,255,.028) 1px, transparent 1px, transparent 9px);
  -webkit-mask-image: radial-gradient(120% 90% at 80% 0%, #000, transparent 70%);
  mask-image: radial-gradient(120% 90% at 80% 0%, #000, transparent 70%);
}
.page-hero .wrap { position: relative; z-index: 2; }
.page-hero h1 { font-size: clamp(2rem,4.5vw,3.6rem); color: #fff; font-weight: 600; margin-top: 16px; }
.page-hero h1 em { font-style: italic; color: var(--gold-bright); font-weight: 500; }
.page-hero p.lead { color: rgba(235,240,247,.8); font-size: 1.08rem; max-width: 56ch; margin: 18px 0 0; }
.page-hero .badges { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 28px; }
.page-hero .badges span {
  font-family: 'Montserrat', sans-serif; font-size: .7rem; letter-spacing: .14em; text-transform: uppercase;
  color: rgba(255,255,255,.72); border: 1px solid rgba(255,255,255,.18); border-radius: 999px; padding: 6px 13px;
}

/* ── sticky calc nav — WHITE STYLE ── */
.calc-nav-wrap {
  background: #fff;
  border-bottom: 1.5px solid var(--line);
  position: sticky; top: 0; z-index: 50;
  box-shadow: 0 2px 16px -6px rgba(22,40,79,.12);
}
.calc-nav { display: flex; gap: 0; overflow-x: auto; scrollbar-width: none; }
.calc-nav::-webkit-scrollbar { display: none; }
.calc-nav a {
  flex: 0 0 auto;
  display: flex; align-items: center; gap: 8px;
  padding: 15px 20px;
  font-family: 'Montserrat', sans-serif; font-size: .68rem; letter-spacing: .10em; text-transform: uppercase; font-weight: 700;
  color: var(--muted);
  border-bottom: 2.5px solid transparent;
  transition: color .22s, border-color .22s, background .22s;
  white-space: nowrap;
  background: transparent;
}
.calc-nav a svg { width: 14px; height: 14px; flex: 0 0 auto; }
.calc-nav a:hover { color: var(--navy); border-color: rgba(37,62,130,.25); background: var(--paper-2); }
.calc-nav a.active { color: var(--navy); border-color: var(--gold); background: var(--gold-soft); }

/* ── generic section ── */
.sec { padding: 80px 0; }
.sec-head { margin-bottom: 48px; }
.sec-head.center { text-align: center; }
.sec-head h2 { font-size: clamp(1.7rem,3.2vw,2.6rem); margin-top: 12px; }
.sec-head p { color: var(--muted); font-size: 1rem; margin-top: 14px; max-width: 62ch; }
.sec-head.center p { margin: 14px auto 0; }

/* ── calculator card ── */
.calc-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  width: 100%;
  min-width: 0;
  transition: transform 0.3s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow 0.3s ease;
}
.calc-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow);
}
.calc-card-head {
  background: linear-gradient(135deg, var(--navy), var(--ink));
  padding: 28px 32px;
  display: flex; align-items: flex-start; gap: 18px;
  position: relative; overflow: hidden;
}
.calc-card-head::after {
  content: "";
  position: absolute; inset: 0;
  background-image: repeating-linear-gradient(115deg, rgba(255,255,255,.025) 0, rgba(255,255,255,.025) 1px, transparent 1px, transparent 9px);
  pointer-events: none;
}
.calc-card-head .icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: rgba(255,255,255,.12);
  display: grid; place-items: center;
  flex: 0 0 auto;
}
.calc-card-head .icon svg { width: 26px; height: 26px; color: var(--gold-bright); }
.calc-card-head .titles { position: relative; z-index: 1; }
.calc-card-head h3 { color: #fff; font-size: 1.3rem; margin-bottom: 4px; }
.calc-card-head p { color: rgba(255,255,255,.68); font-size: .88rem; line-height: 1.5; }
.calc-card-body { padding: 32px; }

/* Ensure UK service cards keep the intended gradient header (fixes partial white background) */
.uk-service-card .calc-card-head { background: linear-gradient(135deg, var(--navy), var(--ink)) !important; }

/* Make the whole card use the gradient so the bottom doesn't show white */
.uk-service-card {
  background: linear-gradient(135deg, var(--navy), var(--ink));
  border: 0;
  box-shadow: var(--shadow-sm);
  color: #fff;
}
.uk-service-card .calc-card-head { background: transparent !important; }
.uk-service-card .titles h3, .uk-service-card .titles p { color: #fff; }
.uk-service-card .calc-card-head .icon { background: rgba(255,255,255,.06); }

/* ── form fields ── */
.fg { margin-bottom: 20px; }
.fg label {
  display: block; font-family: 'Montserrat', sans-serif; font-size: .65rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--muted); margin-bottom: 7px; font-weight: 700;
}
.field-row { display: flex; align-items: center; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; overflow: hidden; transition: border-color .2s, box-shadow .2s; width: 100%; min-width: 0; }
.field-row:focus-within { border-color: var(--gold); box-shadow: 0 0 0 4px var(--gold-soft); }
.field-row .prefix {
  padding: 0 13px; font-family: 'Montserrat', sans-serif; font-weight: 700; color: var(--muted);
  font-size: .82rem; border-right: 1.5px solid var(--line); white-space: nowrap; background: var(--paper-2);
}
.field-row .suffix { padding: 0 13px; font-size: .78rem; color: var(--muted); white-space: nowrap; }
.field-row input, .field-row select {
  flex: 1; border: 0; outline: 0; padding: 13px 14px;
  font-family: 'Montserrat', sans-serif; font-size: 1.08rem; font-weight: 700;
  color: var(--ink); background: transparent; min-width: 0;
}
.field-row select { cursor: pointer; }
.fg select {
  width: 100%; padding: 13px 14px;
  border: 1.5px solid var(--line); border-radius: 10px; background: #fff;
  font-family: 'Montserrat', sans-serif; font-size: .95rem; font-weight: 600;
  color: var(--ink); outline: 0; cursor: pointer;
  transition: border-color .2s, box-shadow .2s;
  min-width: 0; max-width: 100%;
}
.fg select:focus { border-color: var(--gold); box-shadow: 0 0 0 4px var(--gold-soft); }
.fg-grid { display: grid; gap: 16px; width: 100%; }
.fg-grid.col2 { grid-template-columns: 1fr 1fr; }
.fg-grid.col3 { grid-template-columns: 1fr 1fr 1fr; }
.fg-grid > * { min-width: 0; }

/* ── result ledger ── */
.ledger { margin-top: 24px; border-top: 2px dashed var(--line); padding-top: 4px; width: 100%; }
.ledger .row {
  display: flex; align-items: baseline; justify-content: space-between;
  padding: 12px 0; border-bottom: 1px dotted var(--line-soft);
  gap: 8px;
}
.ledger .row:last-child { border-bottom: 0; }
.ledger .row .k { font-size: .88rem; color: var(--muted); flex: 1 1 auto; min-width: 0; }
.ledger .row .v {
  font-family: 'Montserrat', sans-serif; font-weight: 700;
  font-size: 1rem; color: var(--ink); font-variant-numeric: tabular-nums;
  text-align: right; flex: 0 0 auto;
}
.ledger .total-row {
  display: flex; align-items: center; justify-content: space-between;
  background: var(--ink); border-radius: 12px; padding: 18px 22px; margin-top: 16px;
  gap: 12px; flex-wrap: wrap;
}
.ledger .total-row .k { color: rgba(255,255,255,.72); font-size: .9rem; flex-shrink: 0; }
.ledger .total-row .v {
  font-family: 'Montserrat', sans-serif; font-weight: 700;
  font-size: 1.6rem; color: var(--gold-bright); font-variant-numeric: tabular-nums;
  text-align: right;
}
.ledger .total-row .v small { font-size: .62rem; color: rgba(255,255,255,.5); font-weight: 400; display: block; text-align: right; margin-top: 2px; }
.green-val { color: var(--green) !important; }
.red-val { color: var(--red) !important; }

/* ── result pill / badge ── */
.result-pill {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 16px; border-radius: 999px; font-family: 'Montserrat', sans-serif;
  font-size: .74rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
  margin-top: 16px;
}
.pill-green { background: var(--green-soft); color: var(--green); }
.pill-blue { background: var(--gold-soft); color: var(--navy); }
.pill-red { background: var(--red-soft); color: var(--red); }
.result-pill svg { width: 15px; height: 15px; }

/* ── info note ── */
.calc-note {
  display: flex; gap: 10px; align-items: flex-start;
  background: var(--paper); border: 1px solid var(--line-soft); border-radius: 10px;
  padding: 14px 16px; margin-top: 20px; font-size: .84rem; color: var(--muted);
}
.calc-note svg { width: 16px; height: 16px; flex: 0 0 auto; color: var(--gold); margin-top: 2px; }

/* ── two-col layout ── */
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; width: 100%; }
.calc-layout.wide { grid-template-columns: 1.1fr .9fr; }
.calc-layout > * { min-width: 0; }

/* ── hub card grid (services / calculators / usa / pakistan pages) ── */
.hub-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 1000px;
  margin: 0 auto;
  width: 100%;
}
.hub-grid .calc-card {
  max-width: none;
  flex: none;
}


/* ── section divider ── */
.sec-divider { height: 1px; background: var(--line); margin: 0; }

/* ── highlights row ── */
.highlights { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin-bottom: 28px; width: 100%; }
.highlights > * { min-width: 0; }
.hl {
  background: var(--paper-2); border: 1px solid var(--line); border-radius: 12px;
  padding: 18px 20px; text-align: center;
}
.hl .num { font-family: 'Montserrat', sans-serif; font-size: 1.5rem; font-weight: 700; color: var(--navy); font-variant-numeric: tabular-nums; word-break: break-all; }
.hl .lbl { font-size: .76rem; color: var(--muted); margin-top: 4px; }

/* ── slab table ── */
.slab-table { width: 100%; border-collapse: collapse; font-size: .88rem; margin-top: 4px; }
.slab-table th { text-align: left; padding: 10px 12px; font-family: 'Montserrat', sans-serif; font-size: .64rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); background: var(--paper-2); font-weight: 700; }
.slab-table td { padding: 10px 12px; border-bottom: 1px solid var(--line-soft); font-family: 'Montserrat', sans-serif; }
.slab-table tr:last-child td { border-bottom: 0; }
.slab-table tr.active td { background: var(--gold-soft); font-weight: 700; color: var(--navy); }
.slab-table tr.active td:first-child { border-left: 3px solid var(--gold); }

/* ── checker result box ── */
.checker-result {
  border: 1.5px solid var(--line); border-radius: 14px; overflow: hidden; margin-top: 24px;
}
.checker-result .cr-head {
  padding: 18px 22px; display: flex; align-items: center; gap: 14px;
}
.checker-result.eligible .cr-head { background: var(--green-soft); }
.checker-result.ineligible .cr-head { background: var(--red-soft); }
.checker-result.neutral .cr-head { background: var(--paper-2); }
.checker-result .cr-icon { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; flex: 0 0 auto; }
.eligible .cr-icon { background: var(--green-soft); color: var(--green); }
.ineligible .cr-icon { background: var(--red-soft); color: var(--red); }
.neutral .cr-icon { background: var(--gold-soft); color: var(--navy); }
.cr-icon svg { width: 20px; height: 20px; }
.cr-title { font-weight: 700; font-size: 1rem; }
.eligible .cr-title { color: var(--green); }
.ineligible .cr-title { color: var(--red); }
.neutral .cr-title { color: var(--navy); }
.cr-body { padding: 16px 22px; }
.cr-body p { font-size: .9rem; color: var(--muted); margin-bottom: 10px; }
.cr-body ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.cr-body ul li { display: flex; align-items: flex-start; gap: 8px; font-size: .87rem; color: var(--slate); }
.cr-body ul li svg { width: 15px; height: 15px; flex: 0 0 auto; margin-top: 2px; color: var(--gold); }

/* ── step flow ── */
.step-flow { display: flex; flex-direction: column; gap: 0; }
.sf { display: flex; gap: 16px; position: relative; padding-bottom: 20px; }
.sf:last-child { padding-bottom: 0; }
.sf::before { content: ""; position: absolute; left: 18px; top: 36px; bottom: 0; width: 1.5px; background: var(--line); }
.sf:last-child::before { display: none; }
.sf .dot { width: 36px; height: 36px; border-radius: 50%; background: var(--gold-soft); border: 2px solid var(--gold); display: grid; place-items: center; flex: 0 0 auto; }
.sf .dot span { font-family: 'Montserrat', sans-serif; font-size: .72rem; font-weight: 700; color: var(--navy); }
.sf .content { padding-top: 6px; }
.sf .content h5 { font-size: .95rem; color: var(--ink); margin-bottom: 3px; }
.sf .content p { font-size: .84rem; color: var(--muted); }

/* ── CTA banner ── */
.cta-banner {
  background: radial-gradient(120% 130% at 12% 0%,#2f6bb4,var(--ink) 62%);
  border-radius: 22px; padding: 48px;
  display: flex; align-items: center; justify-content: space-between; gap: 32px;
  position: relative; overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute; inset: 0;
  background-image: repeating-radial-gradient(circle at 90% 110%, rgba(92,176,226,.12) 0, rgba(92,176,226,.12) 1px, transparent 1px, transparent 16px);
  opacity: .6;
}
.cta-banner > * { position: relative; z-index: 2; }
.cta-banner h2 { color: #fff; font-size: clamp(1.4rem,2.5vw,2.1rem); }
.cta-banner p { color: rgba(255,255,255,.75); margin-top: 8px; font-size: .97rem; }
.cta-banner .actions { display: flex; gap: 12px; flex-wrap: wrap; flex: 0 0 auto; }
.cta-banner .actions .btn { min-width: 200px; justify-content: center; }

/* ── reveal ── */
.reveal { opacity: 1; transform: none; transition: none; }
.reveal.in { opacity: 1; transform: none; }
.reveal[data-d="1"],
.reveal[data-d="2"],
.reveal[data-d="3"] { transition-delay: 0s; }
@media (prefers-reduced-motion:reduce) { .reveal { opacity: 1; transform: none; transition: none; } }

/* ── footer ── */
footer { background: var(--ink); color: #fff; padding: 56px 0 24px; }
.fgrid { display: grid; grid-template-columns: 1.6fr 1.2fr 1.3fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.1); width: 100%; }
.fgrid > * { min-width: 0; }
footer .brand { margin-bottom: 16px; }
footer .about { color: rgba(255,255,255,.6); font-size: .9rem; max-width: 34ch; }
.socials { display: flex; gap: 10px; margin-top: 18px; }
.socials a { width: 36px; height: 36px; border-radius: 50%; border: 1px solid rgba(255,255,255,.16); display: grid; place-items: center; color: rgba(255,255,255,.7); transition: .25s; }
.socials a:hover { background: var(--gold); color: var(--ink); border-color: var(--gold); transform: translateY(-3px); }
.socials a svg { width: 16px; height: 16px; }
footer h5,
.footer-heading { font-family: 'Montserrat', sans-serif; font-size: .7rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; font-weight: 700; line-height: 1.2; }
footer ul { list-style: none; }

/* ── thank you modal ── */
#ty-modal {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
#ty-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(8, 20, 40, 0.75);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  animation: ty-fade-in 0.3s ease;
}
#ty-card {
  position: relative;
  z-index: 1;
  background: linear-gradient(160deg, #0f2744 0%, #081428 100%);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 24px;
  padding: 52px 44px 44px;
  max-width: 500px;
  width: 100%;
  text-align: center;
  box-shadow: 0 40px 80px rgba(0,0,0,.6), 0 0 0 1px rgba(255,255,255,.05) inset;
  animation: ty-slide-up 0.45s cubic-bezier(0.16, 1, 0.3, 1);
}
#ty-icon-wrap {
  width: 88px;
  height: 88px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 28px;
  box-shadow: 0 0 0 16px rgba(31,147,212,0.06);
}
#ty-check { width: 52px; height: 52px; }
.ty-circle {
  stroke-dasharray: 157;
  stroke-dashoffset: 157;
  animation: ty-draw-circle 0.6s ease 0.2s forwards;
}
.ty-tick {
  stroke-dasharray: 40;
  stroke-dashoffset: 40;
  animation: ty-draw-tick 0.4s ease 0.75s forwards;
}
#ty-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
#ty-title {
  font-size: 2.2rem;
  font-weight: 700;
  color: #fff;
  margin: 0 0 14px;
  line-height: 1.15;
}
#ty-msg {
  font-size: 1rem;
  color: rgba(255,255,255,.7);
  line-height: 1.65;
  margin: 0 0 28px;
  max-width: 360px;
  margin-left: auto;
  margin-right: auto;
}
#ty-meta {
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 32px;
}
#ty-meta span {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: .85rem;
  color: rgba(255,255,255,.5);
}
#ty-meta svg { color: var(--gold); flex-shrink: 0; }
#ty-close { width: 100%; justify-content: center; font-size: 1rem; padding: 15px; }

@keyframes ty-fade-in {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes ty-slide-up {
  from { transform: translateY(18px) scale(.98); opacity: 0; }
  to { transform: translateY(0) scale(1); opacity: 1; }
}

@keyframes ty-draw-circle {
  to { stroke-dashoffset: 0; }
}

@keyframes ty-draw-tick {
  to { stroke-dashoffset: 0; }
}

@media (max-width:640px) {
  #ty-card { padding: 40px 24px 32px; }
  #ty-title { font-size: 1.8rem; }
  #ty-meta { gap: 12px; }
}
footer ul li { margin-bottom: 10px; }
footer ul a { color: rgba(255,255,255,.66); font-size: .9rem; transition: .2s; }
footer ul a:hover { color: #fff; padding-left: 4px; }
.fcontact li { display: flex; gap: 10px; align-items: flex-start; color: rgba(255,255,255,.66); font-size: .88rem; margin-bottom: 12px; }
.fcontact svg { flex: 0 0 auto; width: 15px; height: 15px; color: var(--gold); margin-top: 3px; }
.fbottom { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding-top: 22px; }
.fbottom p { font-size: .8rem; color: rgba(255,255,255,.5); }
.fbottom .links { display: flex; gap: 20px; flex-wrap: wrap; }
.fbottom .links a { font-size: .8rem; color: rgba(255,255,255,.5); transition: .2s; }
.fbottom .links a:hover { color: var(--gold); }

/* ── footer services two-column row ── */
.f-services-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

/* ── footer contact split columns ── */
.fcontact-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.fcontact-region { min-width: 0; }
.fcontact-region-label {
  font-family: 'Montserrat', sans-serif;
  font-size: .68rem;
  letter-spacing: .15em;
  text-transform: uppercase;
  font-weight: 700;
  color: rgba(255,255,255,.55);
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}

/* shared row: email + hours below both columns */
.fcontact-shared {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0 28px;
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px solid rgba(255,255,255,.08);
  list-style: none;
}
.fcontact-shared li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,.66);
  font-size: .9rem;
  margin-bottom: 0;
}
.fcontact-shared svg {
  flex: 0 0 auto;
  width: 16px;
  height: 16px;
  color: var(--gold);
}

/* ══════════════════════
   RESPONSIVE
══════════════════════ */

/* tablet + mobile nav */
@media (max-width: 980px) {
  /* MOBILE MENU — simple dropdown */
  nav.main {
    display: none;
    position: absolute; top: 100%; left: 0; right: 0;
    background: rgba(10,26,48,0.97);
    flex-direction: column; align-items: stretch; gap: 0;
    padding: 0;
    box-shadow: 0 8px 32px rgba(0,0,0,.35);
    z-index: 55;
  }
  nav.main.open { display: flex; }
  nav.main a.link {
    display: block; padding: 16px 24px;
    font-size: 1.05rem; font-weight: 500;
    color: rgba(255,255,255,0.85);
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  nav.main a.link:hover, nav.main a.link:active { background: rgba(255,255,255,0.06); color: #fff; }
  nav.main a.link::after { display: none; }
  nav.main .btn { margin: 12px 16px; font-size: 1rem; font-weight: 700; padding: 14px 24px; justify-content: center; text-align: center; }
  .hamburger { display: flex; z-index: 65; }
  .hamburger.x span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .hamburger.x span:nth-child(2) { opacity: 0; }
  .hamburger.x span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  /* layouts */
  .calc-layout, .calc-layout.wide { grid-template-columns: 1fr; }
  .hub-grid { grid-template-columns: 1fr; }
  .fgrid { grid-template-columns: 1fr 1fr; }
  .cta-banner { flex-direction: column; padding: 36px 28px; text-align: left; }
  .cta-banner .actions { width: 100%; }
  .cta-banner .actions .btn { min-width: 0; width: 100%; }

  /* calc card header tighten */
  .calc-card-head { padding: 22px 24px; gap: 14px; }
  .calc-card-head .icon { width: 44px; height: 44px; }
}

@media (max-width: 768px) {
  .fg-grid.col3 { grid-template-columns: 1fr 1fr; }
  .highlights { grid-template-columns: 1fr 1fr 1fr; }

  /* slab tables: allow horizontal scroll on small screens */
  .slab-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .slab-table { min-width: 380px; font-size: .82rem; }
  .slab-table th, .slab-table td { padding: 9px 10px; }

  .ledger .total-row { flex-direction: column; align-items: flex-start; gap: 4px; }
  .ledger .total-row .v { font-size: 1.3rem; }
}

@media (max-width: 680px) {
  .sec { padding: 48px 0; }
  .sec-head { margin-bottom: 28px; }

  /* ensure wrap never bleeds */
  .wrap { padding: 0 16px; }
  .sec > .wrap,
  .calc-nav-wrap > .wrap { padding: 0 16px; }

  .page-hero { padding: 116px 0 48px; }
  .page-hero p.lead { font-size: .95rem; max-width: 100%; }
  .page-hero .badges { gap: 6px; }
  .page-hero .badges span { font-size: .63rem; padding: 5px 10px; }

  /* all grids go single column */
  .fg-grid.col2, .fg-grid.col3 { grid-template-columns: 1fr; }
  .highlights { grid-template-columns: 1fr 1fr; gap: 10px; }

  /* footer */
  .fgrid { grid-template-columns: 1fr; gap: 28px; }
  .f-services-row { grid-template-columns: 1fr 1fr; gap: 16px; }
  .fcontact-cols { grid-template-columns: 1fr; gap: 20px; }
  .fcontact-shared { flex-direction: column; gap: 12px; }
  footer { padding: 44px 0 20px; }
  .fbottom { flex-direction: column; align-items: flex-start; gap: 10px; }

  /* CTA */
  .cta-banner { padding: 28px 20px; border-radius: 16px; }
  .cta-banner .actions { flex-direction: column; }
  .cta-banner .actions .btn { justify-content: center; width: 100%; min-width: 0; }

  /* calc card */
  .calc-card-head { padding: 16px 18px; flex-direction: row; gap: 12px; align-items: center; }
  .calc-card-head .icon { width: 40px; height: 40px; flex-shrink: 0; }
  .calc-card-head h3 { font-size: 1.05rem; }
  .calc-card-head p { font-size: .82rem; }
  .calc-card-body { padding: 16px; }

  /* ledger */
  .ledger .row .k { font-size: .8rem; }
  .ledger .row .v { font-size: .88rem; }
  .ledger .total-row { padding: 14px 16px; }
  .ledger .total-row .v { font-size: 1.2rem; }

  /* calc nav */
  .calc-nav a { padding: 12px 13px; font-size: .6rem; gap: 5px; letter-spacing: .07em; }
  .calc-nav a svg { width: 12px; height: 12px; }

  /* step flow */
  .step-flow .sf .content h5 { font-size: .88rem; }
  .step-flow .sf .content p { font-size: .8rem; }
}

@media (max-width: 480px) {
  .highlights { grid-template-columns: 1fr; }
  .hl .num { font-size: 1.3rem; }
  .btn { font-size: .86rem; padding: 12px 18px; }
  .ledger .total-row .v { font-size: 1.1rem; }
  .slab-table { min-width: 320px; font-size: .78rem; }
  .page-hero h1 { font-size: clamp(1.7rem, 7vw, 2.2rem); }
  .sec-head h2 { font-size: clamp(1.45rem, 6vw, 1.9rem); }
  .calc-card-body { padding: 14px; }
  .fg { margin-bottom: 14px; }
}

/* Global Responsive Fixes */
html, body { overflow-x: hidden; max-width: 100%; }
img, svg, video, canvas, audio, iframe, embed, object { max-width: 100%; height: auto; }
* { box-sizing: border-box; }

/* customer information form (KYC) styles for dropdown */
.kyc { background: var(--white); border: 1px solid var(--line); border-radius: var(--r); box-shadow: var(--shadow-sm); max-width: 940px; margin: 0 auto; overflow: hidden; }
.kyc-toggle { width: 100%; display: flex; align-items: center; justify-content: space-between; padding: 22px 32px; background: none; border: none; cursor: pointer; font-family: 'Poppins', sans-serif; font-size: 1.05rem; font-weight: 600; color: var(--ink); transition: background .2s; }
.kyc-toggle:hover { background: var(--paper-2); }
.kyc-toggle div { display: flex; align-items: center; gap: 12px; }
.kyc-toggle svg { color: var(--gold); flex-shrink: 0; }
.kyc-chevron { transition: transform .35s ease; color: var(--muted) !important; }
.kyc.kyc-open .kyc-chevron { transform: rotate(180deg); }
.kyc-body { max-height: 0; overflow: hidden; transition: max-height .45s ease; padding: 0 32px; }
.kyc.kyc-open .kyc-body { padding: 0 32px 32px; }
.kyc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.kfg label { display: block; font-family: 'Poppins', sans-serif; font-size: .83rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.kfg input, .kfg select, .kfg textarea { width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 12px; font-size: .95rem; font-family: 'Poppins', sans-serif; background: var(--paper-2); transition: border .2s, box-shadow .2s; color: var(--ink); }
.kfg input:focus, .kfg select:focus, .kfg textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px var(--gold-soft); outline: none; }
.kfg input[type=file] { padding: 11px 14px; background: #fff; cursor: pointer; }
.kfg input[type=file]::file-selector-button { margin-right: 12px; padding: 9px 14px; border: 0; border-radius: 10px; background: var(--ink); color: #fff; font: inherit; font-weight: 600; cursor: pointer; }
.kfg input[type=file]::file-selector-button:hover { background: var(--navy); }
.kfg.span2 { grid-column: 1 / -1; }
.kfg textarea { resize: vertical; }
input[type=date] { color: var(--muted); }
input[type=date]::-webkit-calendar-picker-indicator { filter: invert(.4); }
.kyc-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-top: 26px; padding-top: 24px; border-top: 1px solid var(--line-soft); }
.kyc-priv { font-size: .78rem; color: var(--muted); display: inline-flex; align-items: center; gap: 8px; }
.kyc-priv svg { width: 15px; height: 15px; color: var(--gold); }
@media(max-width: 768px) {
  .kyc-grid { grid-template-columns: 1fr; }
  .kyc-toggle { padding: 18px 20px; font-size: .95rem; }
  .kyc-body { padding: 0 20px; }
  .kyc.kyc-open .kyc-body { padding: 0 20px 24px; }
  .kyc-actions { flex-direction: column; align-items: stretch; gap: 12px; }
  .kyc-actions .btn { width: 100%; justify-content: center; }
  .kyc-priv { justify-content: center; text-align: center; line-height: 1.5; }
}

.brand .seal { filter: brightness(1.5) contrast(1.1) saturate(1.2) !important; }

/* ═══════════ FAQ ACCORDION ═══════════ */
.faq-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: 48px; align-items: start; }
.faq { border-top: 1px solid var(--line); }
.qa { border-bottom: 1px solid var(--line); }
.qa button { width: 100%; background: none; border: 0; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 22px 0; text-align: left; font-family: 'Poppins', sans-serif; font-size: 1.12rem; font-weight: 500; color: var(--ink); }
.qa .ico { flex: 0 0 auto; width: 26px; height: 26px; border-radius: 50%; border: 1.5px solid var(--line); display: grid; place-items: center; transition: .3s; position: relative; }
.qa .ico::before, .qa .ico::after { content: ""; position: absolute; background: var(--navy); transition: .3s; }
.qa .ico::before { width: 11px; height: 1.8px; }
.qa .ico::after { width: 1.8px; height: 11px; }
.qa.open .ico { background: var(--gold); border-color: var(--gold); }
.qa.open .ico::after { transform: scaleY(0); }
.qa.open .ico::before, .qa.open .ico::after { background: var(--ink); }
.qa .ans { max-height: 0; overflow: hidden; transition: max-height .4s ease; }
.qa .ans p { padding: 0 0 22px; color: var(--muted); font-size: .96rem; max-width: 60ch; }
.qa .ans p a { color: var(--gold); font-weight: 600; }
.qa .ans ul { padding: 0 0 22px 18px; color: var(--muted); font-size: .95rem; }
@media (max-width: 860px) {
  .faq-wrap { grid-template-columns: 1fr; gap: 28px; }
}