:root {
  --ink: #16284f;
  --navy: #253e82;
  --navy-700: #2f4f97;
  --gold: #0a6fa8;
  --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;
}

* {
  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: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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
}

.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
}

.mono {
  font-family: 'Montserrat', sans-serif;
  font-variant-numeric: tabular-nums
}

/* ---------- 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-dark {
  background: var(--ink);
  color: #fff
}

.btn-dark:hover {
  background: var(--navy);
  transform: translateY(-2px)
}

.btn-line {
  background: transparent;
  border-color: var(--line);
  color: var(--ink)
}

.btn-line:hover {
  border-color: var(--ink);
  transform: translateY(-2px)
}

/* Mobile Calculator trigger button (Hidden on Desktop) */
.btn-toggle-calc {
  background: rgba(16, 124, 191, 0.35);
  border-color: var(--gold-bright);
  color: #fff;
  display: none;
}

.btn-toggle-calc:hover {
  background: rgba(16, 124, 191, 0.55);
}

/* ---------- 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;
  position: relative;
  z-index: 65;
  align-items: center;
  gap: 0;
  color: #fff
}

.brand .seal {
  height: 60px;
  width: auto;
  flex: 0 0 auto;
  object-fit: contain;
  display: block;
  
  filter: brightness(1.5) contrast(1.1) saturate(1.2)
}

.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;
  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%
}

@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;
  }
}

.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
}

/* ---------- hero ---------- */
.hero {
  position: relative;
  background: radial-gradient(120% 120% at 82% 0%, #2f6bb4 0%, var(--ink) 58%);
  color: #fff;
  padding: 112px 0 56px;
  overflow: hidden
}

.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%);
}

.hero .wrap {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 54px;
  align-items: center
}

.hero h1 {
  font-size: clamp(2.5rem, 5vw, 4.05rem);
  color: #fff;
  font-weight: 600
}

.hero h1 em {
  font-style: italic;
  color: var(--gold-bright);
  font-weight: 500
}

.hero p.lead {
  color: rgba(245, 248, 252, .9);
  font-size: 1.1rem;
  max-width: 34ch;
  margin: 22px 0 32px
}

.hero .cta-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap
}

.hero .badges {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 34px
}

.hero .badges span {
  font-family: 'Montserrat', sans-serif;
  font-size: .7rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .82);
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 999px;
  padding: 6px 13px;
}

.hero-eyebrow {
  margin-bottom: 20px
}

.hero .eyebrow {
  color: var(--gold-bright)
}

/* ---------- receipt / calculator ---------- */
.receipt {
  position: relative;
  background: var(--paper-2);
  color: var(--slate);
  border-radius: 14px;
  box-shadow: var(--shadow), 0 0 0 1px rgba(255, 255, 255, .04);
  padding: 30px 30px 26px;
}

.receipt::before,
.receipt::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  height: 14px;
  background: radial-gradient(circle at 8px -2px, transparent 7px, var(--paper-2) 8px) repeat-x;
  background-size: 16px 14px;
}

.receipt::before {
  top: -13px;
  transform: rotate(180deg)
}

.receipt::after {
  bottom: -13px
}

.rcpt-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1.5px dashed var(--line);
  padding-bottom: 12px;
  margin-bottom: 4px
}

.rcpt-head .t {
  font-family: 'Montserrat', sans-serif;
  font-size: .68rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--muted)
}

.rcpt-head .stamp {
  font-family: 'Montserrat', sans-serif;
  font-size: .62rem;
  font-weight: 700;
  letter-spacing: .1em;
  color: var(--gold);
  border: 1.5px solid var(--gold);
  border-radius: 6px;
  padding: 3px 8px;
  transform: rotate(-4deg);
}

.tax-year-select {
  border: 1.5px solid var(--gold);
  border-radius: 7px;
  padding: 6px 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: .82rem;
  font-weight: 700;
  color: var(--gold);
  background: #fff;
  cursor: pointer;
  outline: none;
  line-height: 1.1;
  margin-top: 0;
  flex: 0 0 auto;
}

.rcpt-title {
  font-family: 'Poppins', sans-serif;
  font-size: 1.45rem;
  margin: 14px 0 4px;
  color: var(--ink)
}

.rcpt-sub {
  font-size: .85rem;
  color: var(--muted);
  margin-bottom: 18px
}

.field label {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: .66rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 7px
}

.field-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 7px
}

.field-head label {
  margin-bottom: 0
}

.field .input {
  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
}

.field .input:focus-within {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px var(--gold-soft)
}

.field .input span.cur {
  padding: 0 12px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: var(--muted);
  font-size: .85rem;
  border-right: 1.5px solid var(--line)
}

.field .input input {
  flex: 1;
  border: 0;
  outline: 0;
  padding: 14px 14px;
  font-family: 'Montserrat', sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--ink);
  background: transparent;
  width: 100%
}

.field .input span.per {
  padding: 0 14px;
  font-size: .78rem;
  color: var(--muted)
}

.ledger {
  margin-top: 20px;
  border-top: 1.5px dashed var(--line)
}

.ledger .row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  padding: 11px 0;
  border-bottom: 1px dotted var(--line-soft)
}

.ledger .row .k {
  font-size: .86rem;
  color: var(--muted)
}

.ledger .row .v {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--ink);
  font-variant-numeric: tabular-nums
}

.ledger .row.total {
  border-bottom: 0;
  margin-top: 4px;
  padding-top: 14px;
  border-top: 2px solid var(--ink)
}

.ledger .row.total .k {
  font-family: 'Poppins', sans-serif;
  font-size: 1.05rem;
  color: var(--ink);
  font-weight: 600
}

.ledger .row.total .v {
  font-size: 1.5rem;
  color: var(--ink)
}

.ledger .row.total .v small {
  font-size: .7rem;
  color: var(--muted);
  font-weight: 400;
  display: block;
  text-align: right
}

.rcpt-foot {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 16px;
  font-size: .74rem;
  color: var(--muted)
}

.rcpt-foot .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold)
}

.takehome {
  color: #1d7a4d
}

/* calculator tabs */
.calc-tabs {
  display: flex;
  gap: 5px;
  background: #fff;
  border: 1.5px solid var(--line);
  border-radius: 11px;
  padding: 4px;
  margin: 14px 0
}

.ctab {
  flex: 1;
  border: 0;
  background: transparent;
  cursor: pointer;
  font-family: 'Montserrat', sans-serif;
  font-size: .68rem;
  letter-spacing: .04em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--muted);
  padding: 9px 4px;
  text-align: center;
  border-radius: 8px;
  transition: background .2s, color .2s
}

.ctab.active {
  background: var(--ink);
  color: var(--gold-bright)
}

.ctab:not(.active):hover {
  color: var(--ink)
}

/* customer information form */
.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)
}

/* ---------- generic section ---------- */
section {
  position: relative
}

.sec {
  padding: 96px 0
}

#services.sec {
  padding-top: 18px;
  padding-bottom: 28px
}

#regions.sec {
  padding-bottom: 28px
}

.sec-head {
  max-width: 680px;
  margin-bottom: 52px
}

.sec-head.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center
}

.sec-head h2 {
  font-size: clamp(2rem, 3.6vw, 2.9rem);
  margin-top: 16px
}

.sec-head p {
  color: var(--muted);
  font-size: 1.05rem;
  margin-top: 16px
}

/* ---------- stats strip (Image 2 design) ---------- */
.stats {
  background: #0f223f;
  color: #fff;
  padding: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.stats .grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr)
}

.stats .cell {
  padding: 48px 28px;
  border-left: 1px solid rgba(255, 255, 255, .08);
  text-align: center;
  transition: background 0.3s ease, transform 0.3s ease;
}

.stats .cell:first-child {
  border-left: 0
}

.stats .cell:hover {
  background: rgba(255, 255, 255, 0.03);
}

.stats .num {
  font-family: 'Poppins', sans-serif;
  font-size: 2.85rem;
  font-weight: 700;
  color: #3b9ded;
  display: flex;
  justify-content: center;
  align-items: baseline;
  gap: 3px;
  line-height: 1.1;
}

.stats .num .suf {
  font-size: 1.6rem;
  color: #3b9ded;
  font-weight: 600;
}

.stats .lbl {
  font-family: 'Montserrat', sans-serif;
  font-size: .74rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .68);
  margin-top: 10px;
  font-weight: 600;
}

/* ---------- banks filing section (Image 1 design) ---------- */
.banks-section {
  background: var(--paper-2);
  padding: 72px 0;
}

.banks-card-container {
  background: #ffffff;
  border: 1px solid rgba(16, 124, 191, 0.12);
  border-radius: 24px;
  box-shadow: 0 16px 45px rgba(10, 26, 48, 0.05);
  padding: 46px 44px;
}

.banks-heading {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.4rem, 2.4vw, 1.85rem);
  font-weight: 700;
  color: #111827;
  text-align: center;
  margin-bottom: 34px;
  line-height: 1.35;
}

.banks-grid {
  display: grid;
  gap: 16px;
  margin-bottom: 16px;
}

.banks-grid.row-3 {
  grid-template-columns: repeat(3, 1fr);
}

.banks-grid.row-2 {
  grid-template-columns: 1fr 1.2fr;
}

.banks-grid.row-2-equal {
  grid-template-columns: repeat(2, 1fr);
}

.banks-grid.row-1 {
  grid-template-columns: 1fr;
  margin-bottom: 0;
}

.bank-item {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 86px;
  transition: all 0.35s cubic-bezier(0.25, 0.8, 0.25, 1);
  text-decoration: none;
}

.bank-item:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 28px rgba(16, 124, 191, 0.08);
  border-color: rgba(16, 124, 191, 0.28);
}

.bank-logo-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
}

.coming-soon-wrapper {
  text-align: center;
  margin: 18px 0;
}

.coming-soon-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: #f1f5f9;
  border: 1px solid #e2e8f0;
  color: #64748b;
  font-family: 'Poppins', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  padding: 7px 24px;
  border-radius: 50px;
}

@media (max-width: 900px) {
  .banks-grid.row-3,
  .banks-grid.row-2,
  .banks-grid.row-2-equal {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 640px) {
  .banks-card-container {
    padding: 30px 20px;
  }
  .banks-grid.row-3,
  .banks-grid.row-2,
  .banks-grid.row-2-equal {
    grid-template-columns: 1fr;
  }
}


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

.svc {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r);
  padding: 30px 28px;
  position: relative;
  overflow: hidden;
  transition: transform .3s, box-shadow .3s, border-color .3s;
}

.svc::after {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  height: 3px;
  width: 0;
  background: var(--gold);
  transition: width .35s
}

.svc:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-sm);
  border-color: transparent
}

.svc:hover::after {
  width: 100%
}

.svc .ic {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  background: var(--gold-soft);
  display: grid;
  place-items: center;
  color: var(--navy);
  margin-bottom: 18px
}

.svc .ic svg {
  width: 24px;
  height: 24px
}

.svc .no {
  position: absolute;
  top: 24px;
  right: 26px;
  font-family: 'Montserrat', sans-serif;
  font-size: .78rem;
  color: #607089;
  font-weight: 700
}

.svc h3 {
  font-size: 1.3rem;
  margin-bottom: 8px
}

.svc p {
  font-size: .93rem;
  color: var(--muted)
}

.svc .more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-family: 'Montserrat', sans-serif;
  font-size: .74rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--navy);
  font-weight: 700
}

.svc .more svg {
  width: 14px;
  height: 14px;
  transition: transform .25s
}

.svc:hover .more svg {
  transform: translateX(4px)
}

.svc .more {
  color: var(--navy)
}

/* ---------- regions ---------- */
.regions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px
}

.region {
  border-radius: var(--r);
  padding: 42px 40px;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.region .btn {
  width: 100%;
  justify-content: center;
  margin-top: auto;
  text-align: center;
}

.region.pk {
  background: linear-gradient(160deg, #253e82, #16284f);
  color: #fff
}

.region.us {
  background: var(--white);
  border: 1px solid var(--line);
  color: var(--slate)
}

.region .flagtag {
  font-family: 'Montserrat', sans-serif;
  font-size: .7rem;
  letter-spacing: .2em;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 14px;
  display: inline-block
}

.region.pk .flagtag {
  color: var(--gold-bright)
}

.region.us .flagtag {
  color: var(--navy)
}

.region h3 {
  font-size: 1.85rem;
  margin-bottom: 12px
}

.region.pk h3 {
  color: #fff
}

.region p {
  font-size: .97rem;
  margin-bottom: 22px
}

.region.pk p {
  color: rgba(255, 255, 255, .74)
}

.region.us p {
  color: var(--muted)
}

.region ul {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 11px 18px;
  margin-bottom: 26px
}

.region li {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: .9rem;
  font-weight: 500
}

.region li svg {
  flex: 0 0 auto;
  width: 17px;
  height: 17px;
  margin-top: 3px
}

.region.pk li {
  color: rgba(255, 255, 255, .9)
}

.region.pk li svg {
  color: var(--gold)
}

.region.us li svg {
  color: var(--navy)
}

/* ---------- process ---------- */
.process {
  background: var(--ink);
  color: #fff;
  padding-top: 48px;
  padding-bottom: 10px
}

.process .eyebrow,
.step .n {
  color: var(--gold-bright)
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  counter-reset: step
}

.step {
  padding: 34px 26px 30px;
  border-left: 1px dashed rgba(255, 255, 255, .16);
  position: relative;
  transition: background 0.3s ease, transform 0.3s ease;
  border-radius: 12px;
}
.step:hover {
  background: rgba(255, 255, 255, 0.03);
  transform: translateY(-5px);
}

.step:first-child {
  border-left: 0
}

.step .n {
  font-family: 'Montserrat', sans-serif;
  font-size: .7rem;
  letter-spacing: .18em;
  font-weight: 700;
  margin-bottom: 16px
}

.step .dot {
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 5px rgba(16, 124, 191, .18);
  margin-bottom: 18px
}

.step h3,
.step h4 {
  font-size: 1.18rem;
  color: #fff;
  margin-bottom: 8px
}

.step p {
  font-size: .88rem;
  color: rgba(255, 255, 255, .78)
}

/* ---------- faq ---------- */
.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 ul {
  padding: 0 0 22px 18px;
  color: var(--muted);
  font-size: .95rem
}

#faq.sec {
  padding-top: 18px;
  padding-bottom: 20px
}

#client-form.sec {
  padding-top: 18px;
  padding-bottom: 18px
}

#consult.sec {
  padding-bottom: 18px
}

/* ---------- reviews carousel ---------- */
.reviews-section {
  background:
    radial-gradient(120% 120% at 50% 0%, rgba(16, 124, 191, .14) 0%, transparent 55%),
    linear-gradient(180deg, #101825 0%, #0b111b 100%);
  color: #fff;
  padding-top: 24px;
  padding-bottom: 38px;
  position: relative;
  overflow: hidden;
}

.reviews-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(115deg, rgba(255, 255, 255, .035) 0, rgba(255, 255, 255, .035) 1px, transparent 1px, transparent 14px);
  opacity: .35;
  pointer-events: none;
}

.reviews-section .wrap {
  position: relative;
  z-index: 1
}

.reviews-head {
  max-width: 820px
}

.reviews-head h2 {
  color: #f5efe3;
  font-family: 'Playfair Display', 'Georgia', serif;
  font-weight: 700;
  font-size: clamp(2.1rem, 4.7vw, 4.25rem);
  line-height: 1.02;
  letter-spacing: -.03em;
  margin-top: 8px;
}

.reviews-head h2 em {
  font-style: italic;
  color: #e5c06d;
  font-weight: 500
}

.review-write-btn {
  margin-top: 10px;
  background: rgba(255, 255, 255, .06);
  color: #f5efe3;
  border: 1px solid rgba(229, 192, 109, .22);
  box-shadow: none;
}

.review-write-btn:hover {
  background: rgba(255, 255, 255, .09);
  border-color: rgba(229, 192, 109, .4);
  transform: translateY(-2px);
}

.reviews-carousel {
  margin-top: 36px;
  overflow: hidden;
  position: relative;
}

.reviews-track {
  display: flex;
  gap: 14px;
  overflow-x: auto;
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  scrollbar-width: none;
  padding: 0 2px 6px;
  -ms-overflow-style: none;
}

.reviews-track::-webkit-scrollbar {
  display: none
}

.review-card {
  flex: 0 0 calc((100% - 28px) / 3);
  background: linear-gradient(180deg, rgba(15, 21, 35, .94) 0%, rgba(11, 17, 27, .98) 100%);
  border: 1px solid rgba(226, 192, 109, .14);
  border-radius: 20px;
  box-shadow: 0 22px 48px -34px rgba(0, 0, 0, .7);
  padding: 22px 22px 18px;
  color: #efe7d7;
  display: flex;
  flex-direction: column;
  min-height: 236px;
  scroll-snap-align: start;
}

.review-card .stars {
  color: #d8b15d;
  letter-spacing: 2px;
  font-size: .98rem;
  margin-bottom: 14px;
}

.review-card p {
  font-size: 1rem;
  line-height: 1.65;
  color: rgba(239, 231, 215, .9);
  font-style: italic;
  flex: 1;
}

.review-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px solid rgba(255, 255, 255, .08);
}

.review-meta .avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, #e6c56d 0%, #c49b43 100%);
  color: #141414;
  display: grid;
  place-items: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .95rem;
  flex: 0 0 auto;
}

.review-meta b {
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: .96rem;
  font-weight: 600;
  color: #f6efe0;
}

.review-meta small {
  display: block;
  margin-top: 2px;
  font-family: 'Montserrat', sans-serif;
  font-size: .64rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: rgba(239, 231, 215, .58);
}

.review-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 12px;
}

.review-dots .dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: 0;
  background: rgba(255, 255, 255, .18);
  cursor: pointer;
  padding: 0;
  transition: transform .3s, background .3s;
}

.review-dots .dot.active {
  background: #1f93d4;
  transform: scale(1.35);
}

.review-modal {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.review-modal.open {
  display: flex
}

.review-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(4, 8, 14, .72);
  backdrop-filter: blur(10px);
}

.review-modal-panel {
  position: relative;
  z-index: 1;
  width: min(620px, 100%);
  max-height: min(90vh, 860px);
  overflow: auto;
  background: linear-gradient(180deg, #fff 0%, #f7f9fd 100%);
  color: var(--ink);
  border-radius: 24px;
  box-shadow: 0 30px 80px -28px rgba(0, 0, 0, .55);
  border: 1px solid rgba(37, 62, 130, .12);
  padding: 30px;
}

.review-modal-close {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(37, 62, 130, .12);
  background: #fff;
  color: var(--ink);
  font-size: 1.5rem;
  line-height: 1;
  cursor: pointer;
}

.review-modal-head h3 {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(1.7rem, 3vw, 2.3rem);
  color: var(--ink);
  margin-top: 16px;
}

.review-modal-head p {
  color: var(--muted);
  margin-top: 12px;
  max-width: 52ch;
}

.review-form {
  margin-top: 24px;
  display: grid;
  gap: 16px;
}

.review-form .fg {
  display: grid;
  gap: 8px;
}

.review-form label {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: .72rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 0;
}

.review-form input,
.review-form textarea {
  width: 100%;
  appearance: none;
  -webkit-appearance: none;
  background: #fff;
  border: 1px solid rgba(37, 62, 130, .16);
  border-radius: 14px;
  color: var(--ink);
  font-family: inherit;
  font-size: 1rem;
  line-height: 1.5;
  padding: 14px 16px;
  outline: 0;
  box-shadow: 0 1px 0 rgba(255, 255, 255, .8) inset;
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}

.review-form input::placeholder,
.review-form textarea::placeholder {
  color: rgba(91, 107, 134, .72);
}

.review-form input:focus,
.review-form textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px var(--gold-soft);
}

.review-form textarea {
  resize: vertical;
  min-height: 120px;
}

.review-submit-btn {
  width: 100%;
  margin-top: 8px;
  justify-content: center;
}

/* ---------- CTA + form ---------- */
.cta {
  background: radial-gradient(120% 130% at 12% 0%, #2f6bb4, var(--ink) 62%);
  color: #fff;
  border-radius: 26px;
  padding: 54px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  position: relative;
  overflow: hidden
}

.cta::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>* {
  position: relative;
  z-index: 2
}

.cta h2 {
  color: #fff;
  font-size: clamp(1.8rem, 3vw, 2.6rem)
}

.cta p {
  color: rgba(255, 255, 255, .78);
  margin-top: 14px;
  font-size: 1.02rem
}

.cta .phone {
  margin-top: 24px;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: 'Montserrat', sans-serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--gold-bright)
}

.cform {
  background: rgba(255, 255, 255, .04);
  border: 1px solid rgba(255, 255, 255, .12);
  border-radius: 18px;
  padding: 28px
}

.cform h3 {
  color: #fff;
  font-size: 1.3rem;
  margin-bottom: 4px
}

.cform .sub {
  color: rgba(255, 255, 255, .6);
  font-size: .84rem;
  margin-bottom: 20px;
  font-family: 'Montserrat', sans-serif;
  letter-spacing: .06em
}

.cform .fg {
  margin-bottom: 14px
}

.cform label {
  display: block;
  font-size: .72rem;
  font-family: 'Montserrat', sans-serif;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, .55);
  margin-bottom: 6px
}

.cform input,
.cform select {
  width: 100%;
  padding: 12px 14px;
  border-radius: 10px;
  border: 1px solid rgba(255, 255, 255, .16);
  background: rgba(255, 255, 255, .05);
  color: #fff;
  font-family: inherit;
  font-size: .95rem;
  outline: 0;
  transition: border-color .2s, box-shadow .2s
}

.cform input::placeholder {
  color: rgba(255, 255, 255, .4)
}

.cform input:focus,
.cform select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px var(--gold-soft)
}

.cform select option {
  color: #111
}

.cform .two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px
}

.cform .btn {
  width: 100%;
  justify-content: center;
  margin-top: 8px
}

.cform .note {
  font-size: .72rem;
  color: rgba(255, 255, 255, .45);
  margin-top: 12px;
  text-align: center
}

/* ---------- 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)
}

.f-services-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px
}

footer .brand {
  margin-bottom: 18px
}

footer .about {
  color: rgba(255, 255, 255, .6);
  font-size: .92rem;
  max-width: 34ch
}

.socials {
  display: flex;
  gap: 10px;
  margin-top: 20px
}

.socials a {
  width: 38px;
  height: 38px;
  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: 17px;
  height: 17px
}

footer h5,
.footer-heading {
  font-family: 'Montserrat', sans-serif;
  font-size: .72rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold-bright);
  margin-bottom: 18px;
  font-weight: 700;
  line-height: 1.2
}

footer ul {
  list-style: none
}

footer ul li {
  margin-bottom: 11px
}

footer ul a {
  color: rgba(255, 255, 255, .66);
  font-size: .92rem;
  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: .9rem;
  margin-bottom: 13px
}

.fcontact svg {
  flex: 0 0 auto;
  width: 16px;
  height: 16px;
  color: var(--gold);
  margin-top: 3px
}

/* ---------- disclaimer section ---------- */
/* ---------- disclaimer section ---------- */
.disclaimer-section {
  background: var(--paper);
  padding: 16px 0 64px;
}

.disclaimer-banner {
  position: relative;
  max-width: 960px;
  margin: 0 auto;
  border-radius: 22px;
  overflow: hidden;
  background: linear-gradient(135deg, #16284f 0%, #1a3a70 45%, #253e82 100%);
  box-shadow: 0 28px 64px -24px rgba(22, 40, 79, .55), 0 0 0 1px rgba(255,255,255,.06) inset;
}

.disclaimer-banner-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image:
    repeating-radial-gradient(circle at 92% 8%, rgba(92,176,226,.14) 0, rgba(92,176,226,.14) 1px, transparent 1px, transparent 18px),
    repeating-linear-gradient(115deg, rgba(255,255,255,.025) 0, rgba(255,255,255,.025) 1px, transparent 1px, transparent 10px);
  -webkit-mask-image: radial-gradient(110% 100% at 85% 0%, #000 40%, transparent 80%);
  mask-image: radial-gradient(110% 100% at 85% 0%, #000 40%, transparent 80%);
  opacity: .7;
}

.disclaimer-banner-inner {
  position: relative;
  z-index: 2;
  padding: 44px 52px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
}

.disclaimer-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 999px;
  padding: 7px 16px;
  font-family: 'Montserrat', sans-serif;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold-bright);
  backdrop-filter: blur(8px);
}

.disclaimer-badge svg {
  width: 14px;
  height: 14px;
  flex-shrink: 0;
}

.disclaimer-heading {
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  color: #fff;
  font-weight: 700;
  line-height: 1.15;
  margin: 0;
  letter-spacing: -.02em;
}

.disclaimer-text {
  font-size: .97rem;
  color: rgba(235, 242, 255, .78);
  line-height: 1.7;
  max-width: 68ch;
  margin: 0;
}

.disclaimer-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.disclaimer-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,.09);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 999px;
  padding: 8px 16px;
  font-family: 'Montserrat', sans-serif;
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .06em;
  color: rgba(255,255,255,.88);
  transition: background .2s, border-color .2s;
}

.disclaimer-pill:hover {
  background: rgba(255,255,255,.15);
  border-color: rgba(255,255,255,.3);
}

.disclaimer-pill svg {
  width: 13px;
  height: 13px;
  flex-shrink: 0;
  color: var(--gold-bright);
}

.disclaimer-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.12);
  border: 1.5px solid rgba(255,255,255,.28);
  border-radius: 999px;
  padding: 12px 24px;
  font-family: 'Poppins', sans-serif;
  font-size: .88rem;
  font-weight: 600;
  color: #fff;
  text-decoration: none;
  transition: background .25s, border-color .25s, transform .25s, box-shadow .25s;
  margin-top: 4px;
}

.disclaimer-cta svg {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  transition: transform .25s;
}

.disclaimer-cta:hover {
  background: rgba(255,255,255,.2);
  border-color: rgba(255,255,255,.5);
  transform: translateY(-2px);
  box-shadow: 0 10px 28px -10px rgba(22,40,79,.5);
}

.disclaimer-cta:hover svg {
  transform: translateX(4px);
}

@media (max-width: 980px) {
  .disclaimer-banner-inner {
    padding: 36px 36px;
  }
}

@media (max-width: 680px) {
  .disclaimer-section {
    padding: 12px 0 48px;
  }
  .disclaimer-banner {
    border-radius: 16px;
  }
  .disclaimer-banner-inner {
    padding: 28px 24px;
    gap: 16px;
  }
  .disclaimer-heading {
    font-size: 1.4rem;
  }
  .disclaimer-text {
    font-size: .9rem;
  }
  .disclaimer-pills {
    gap: 8px;
  }
  .disclaimer-pill {
    font-size: .66rem;
    padding: 7px 12px;
  }
}

/* ---------- footer contact 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,.78);
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}

/* shared row below both region 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);
}

.fbottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
  padding-top: 24px
}

.fbottom p {
  font-size: .82rem;
  color: rgba(255, 255, 255, .5)
}

.fbottom .links {
  display: flex;
  gap: 22px
}

.fbottom .links a {
  font-size: .82rem;
  color: rgba(255, 255, 255, .72)
}

.fbottom .links a:hover {
  color: var(--gold)
}

/* ---------- reveal ---------- */
.reveal {
  opacity: 1;
  transform: none;
  transition: opacity .7s cubic-bezier(.2, .7, .2, 1), transform .7s cubic-bezier(.2, .7, .2, 1)
}

.reveal.in {
  opacity: 1;
  transform: none
}

.reveal[data-d="1"] {
  transition-delay: .08s
}

.reveal[data-d="2"] {
  transition-delay: .16s
}

.reveal[data-d="3"] {
  transition-delay: .24s
}

@media (prefers-reduced-motion:reduce) {
  .reveal {
    opacity: 1;
    transform: none;
    transition: none
  }
}

/* ==================================================================== */
/* ---------- UNIFIED RESPONSIVE MASTER SWITCH (<= 980px) ------------- */
/* ==================================================================== */

@media (max-width:980px) {
  .hero .wrap {
    grid-template-columns: 1fr;
    gap: 44px
  }

  .hero {
    padding: 96px 0 44px
  }

  .hero p.lead {
    max-width: none
  }

  #services.sec {
    padding-top: 12px;
    padding-bottom: 20px
  }

  #regions.sec {
    padding-bottom: 20px
  }

  /* 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: 700;
    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)
  }

  /* FORCE HIDE CALCULATOR */
  .btn-toggle-calc {
    display: inline-flex !important;
  }

  .hero .receipt {
    display: none !important;
  }

  .hero .receipt.mobile-open {
    display: block !important;
    opacity: 1 !important;
    transform: none !important;
    margin-top: 18px;
  }

  /* Collapsing normal grids */
  .svc-grid,
  .regions {
    grid-template-columns: 1fr;
  }

  .reviews-section {
    padding-top: 52px;
    padding-bottom: 56px
  }

  .reviews-carousel {
    margin-top: 28px
  }

  .review-card {
    flex: 0 0 100%
  }

  .review-modal-panel {
    padding: 24px
  }

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

  .stats .cell:nth-child(3) {
    border-left: 0;
  }

  .stats .cell {
    border-top: 1px solid rgba(255, 255, 255, .09);
  }

  .stats .cell:nth-child(-n+2) {
    border-top: 0;
  }

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

  .step {
    border-left: 0;
    border-top: 1px dashed rgba(255, 255, 255, .16);
    padding: 28px 0;
  }

  .step:first-child {
    border-top: 0;
  }

  .faq-wrap {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .cta {
    grid-template-columns: 1fr;
    padding: 40px 30px;
  }

  .fgrid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .f-services-row {
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }

  .fcontact-cols {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .fcontact-shared {
    flex-direction: column;
    gap: 12px;
  }

  .fbottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }

  .disclaimer-card {
    padding: 20px 22px;
    flex-direction: row;
  }

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

/* ==================================================================== */
/* PROFESSIONAL MOBILE POLISH strictly for small screens (<=680px)      */
/* ==================================================================== */
@media (max-width:680px) {
  .stats .num {
    font-size: 2.2rem
  }

  .sec {
    padding: 70px 0
  }

  .process {
    padding-top: 34px;
    padding-bottom: 8px
  }

  #faq.sec {
    padding-top: 12px;
    padding-bottom: 14px
  }

  #client-form.sec {
    padding-top: 12px;
    padding-bottom: 12px
  }

  #consult.sec {
    padding-bottom: 12px
  }

  .reviews-section {
    padding-top: 18px;
    padding-bottom: 28px
  }

  .reviews-carousel {
    margin-top: 22px
  }

  .review-card {
    flex: 0 0 100%;
    min-height: 224px;
    padding: 20px 18px 16px
  }

  .review-card p {
    font-size: .95rem
  }

  .reviews-head h2 {
    font-size: clamp(1.9rem, 8vw, 2.8rem)
  }

  .review-modal {
    padding: 14px
  }

  .review-modal-panel {
    padding: 20px
  }

  .review-modal-close {
    top: 10px;
    right: 10px;
    width: 36px;
    height: 36px
  }

  .receipt {
    padding: 26px 22px 24px
  }

  .cta {
    padding: 34px 22px
  }

  .kyc-toggle {
    padding: 18px 20px
  }

  .kyc-body {
    padding: 0 20px
  }

  .kyc.kyc-open .kyc-body {
    padding: 0 20px 24px
  }

  /* 1. Turn the hero button row into a 2-column grid to keep them on the same line */
  .hero .cta-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
    width: 100%;
  }

  .hero .cta-row .btn {
    padding: 14px 12px;
    font-size: 0.95rem;
    font-weight: 600;
    line-height: 1.3;
    text-align: center;
    justify-content: center;
    letter-spacing: -0.01em;
    border-radius: 14px;
  }

  .hero .cta-row .btn-gold {
    box-shadow: 0 8px 20px -6px rgba(16, 124, 191, 0.85);
  }

  .hero .cta-row .btn-ghost {
    background: rgba(255, 255, 255, 0.07);
    border-color: rgba(255, 255, 255, 0.35);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
  }

  .hero .cta-row .btn-toggle-calc {
    grid-column: 1 / -1;
    padding: 14px;
    font-size: 0.92rem;
    margin-top: 4px;
    border-radius: 14px;
    background: rgba(16, 124, 191, 0.25);
    border: 1px solid rgba(92, 176, 226, 0.45);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
  }

  .hero .cta-row .btn svg {
    width: 15px;
    height: 15px;
    flex: 0 0 auto;
    margin-left: 2px;
  }

  /* 2. FORM BUTTON ANTI-COLLAPSE */
  .kyc-actions {
    flex-direction: column;
    align-items: stretch;
    gap: 16px;
  }

  .kyc-actions .btn,
  .cform .btn {
    width: 100%;
    padding: 15px 12px;
    font-size: 0.96rem;
    border-radius: 14px;
    justify-content: center;
    text-align: center;
    line-height: 1.35;
    min-height: 52px;
  }

  .kyc-priv {
    text-align: center;
    justify-content: center;
  }

  /* ========================================================= */
  /* 3. RESTORED: 2nd Form Input Vertical Stacking             */
  /* ========================================================= */
  .cform .two {
    grid-template-columns: 1fr;
  }
}

/* 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;
}

/* ══════════════════════════════════════
   THANK YOU MODAL
══════════════════════════════════════ */
#ty-modal {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

#ty-modal.ty-visible {
  display: flex;
}

#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;
}


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

/* ==================================================================== */
/* ---- PRICING SECTION (CHOOSE YOUR TAX FILING PLAN)              ---- */
/* ==================================================================== */
.pricing-section {
  padding: 80px 0;
  background: #ffffff;
}

.pricing-header {
  text-align: center;
  margin-bottom: 48px;
}

.pricing-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.2vw, 2.6rem);
  font-weight: 700;
  color: #111827;
  margin-bottom: 10px;
}

.pricing-header p {
  font-family: 'Poppins', sans-serif;
  font-size: 0.95rem;
  color: #64748b;
  font-weight: 400;
}

.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  align-items: stretch;
}

.pricing-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 20px;
  padding: 36px 28px;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: all 0.35s cubic-bezier(0.25, 0.8, 0.25, 1);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.03);
}

.pricing-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 18px 45px rgba(0, 0, 0, 0.08);
}

.pricing-card.popular {
  border: 2px solid var(--gold);
  box-shadow: 0 16px 45px rgba(16, 124, 191, 0.12);
}

.popular-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: linear-gradient(135deg, var(--gold), var(--navy));
  color: #fff;
  font-family: 'Poppins', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  padding: 5px 20px;
  border-radius: 50px;
  text-transform: uppercase;
  box-shadow: 0 4px 12px rgba(16, 124, 191, 0.35);
  white-space: nowrap;
}

.pricing-icon-wrap {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--paper);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px auto;
  color: var(--gold);
}

.pricing-title {
  font-family: 'Poppins', sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: #111827;
  text-align: center;
  margin-bottom: 6px;
}

.pricing-price {
  font-family: 'Playfair Display', serif;
  font-size: 2.15rem;
  font-weight: 700;
  color: var(--ink);
  text-align: center;
  margin-bottom: 8px;
  line-height: 1.1;
}

.pricing-subtitle {
  font-family: 'Poppins', sans-serif;
  font-size: 0.8rem;
  color: #475569;
  text-align: center;
  margin-bottom: 24px;
  padding-bottom: 22px;
  border-bottom: 1px dashed #e2e8f0;
}

.pricing-features {
  list-style: none;
  padding: 0;
  margin: 0 0 32px 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
  flex-grow: 1;
}

.pricing-features li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-family: 'Poppins', sans-serif;
  font-size: 0.84rem;
  color: #334155;
  line-height: 1.45;
}

.check-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}

.pricing-btn {
  display: block;
  width: 100%;
  text-align: center;
  background: linear-gradient(135deg, var(--gold), var(--navy));
  color: #ffffff;
  font-family: 'Poppins', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  padding: 14px 24px;
  border-radius: 12px;
  border: none;
  text-decoration: none;
  transition: all 0.25s ease;
  box-shadow: 0 4px 14px rgba(16, 124, 191, 0.25);
  cursor: pointer;
}

.pricing-btn:hover {
  background: linear-gradient(135deg, var(--gold-bright), var(--navy-700));
  box-shadow: 0 6px 18px rgba(16, 124, 191, 0.4);
  transform: translateY(-2px);
  color: #fff;
}

@media (max-width: 980px) {
  .pricing-grid {
    grid-template-columns: 1fr;
    max-width: 480px;
    margin-left: auto;
    margin-right: auto;
  }
}

/* ==================================================================== */
/* ---- BANK LOGOS MARQUEE SLIDER                                  ---- */
/* ==================================================================== */
.banks-slider-section {
  padding: 70px 0;
  background: var(--paper-2);
  overflow: hidden;
}

.banks-slider-header {
  text-align: center;
  margin-bottom: 36px;
}

.banks-slider-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.6rem, 2.8vw, 2.3rem);
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 8px;
}

.banks-slider-header p {
  font-family: 'Poppins', sans-serif;
  font-size: 0.92rem;
  color: var(--muted);
}

.banks-marquee-wrapper {
  position: relative;
  width: 100%;
  display: flex;
  overflow: hidden;
  user-select: none;
  mask-image: linear-gradient(to right, transparent, black 8%, black 92%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 8%, black 92%, transparent);
}

.banks-marquee-track {
  display: flex;
  flex-shrink: 0;
  gap: 24px;
  animation: scrollBanksSlide 38s linear infinite;
}

.banks-marquee-wrapper:hover .banks-marquee-track {
  animation-play-state: paused;
}

.bank-slide {
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 18px 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 96px;
  min-width: 210px;
  box-shadow: 0 4px 18px rgba(22, 40, 79, 0.04);
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.bank-slide:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 30px rgba(22, 40, 79, 0.1);
  border-color: var(--gold);
}

.bank-slide-img {
  max-height: 52px;
  max-width: 145px;
  width: auto;
  height: auto;
  object-fit: contain;
}

@keyframes scrollBanksSlide {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

/* ==================================================================== */
/* ---- PREMIUM EXECUTIVE TRUST & FEATURES STRIP                   ---- */
/* ==================================================================== */
.trust-bar-section {
  padding: 34px 0 64px 0;
  background: var(--bg);
}

.trust-bar-card {
  background: #ffffff;
  border: 1px solid rgba(22, 40, 79, 0.1);
  border-radius: 24px;
  box-shadow: 0 18px 45px rgba(22, 40, 79, 0.07);
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  align-items: stretch;
  padding: 12px;
  position: relative;
  overflow: hidden;
}

.trust-bar-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--gold), var(--navy));
}

.trust-bar-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px 18px;
  border-right: 1px solid rgba(22, 40, 79, 0.08);
  border-radius: 16px;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.trust-bar-item:last-child {
  border-right: none;
}

.trust-bar-item:hover {
  background: linear-gradient(180deg, #ffffff 0%, #f4f8ff 100%);
  transform: translateY(-3px);
  box-shadow: 0 10px 25px rgba(16, 124, 191, 0.08);
}

.trust-icon-box {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--gold) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #ffffff;
  box-shadow: 0 6px 16px rgba(16, 124, 191, 0.25);
  transition: transform 0.3s ease;
}

.trust-bar-item:hover .trust-icon-box {
  transform: scale(1.06) rotate(-3deg);
}

.trust-icon-box.fbr-box {
  background: linear-gradient(135deg, #eaf6fc 0%, #d8f0e6 100%);
  border: 1px solid rgba(0, 132, 68, 0.2);
  box-shadow: none;
}

.trust-icon-box.raast-box {
  background: #ffffff;
  border: 1px solid rgba(0, 104, 56, 0.2);
  padding: 6px;
  box-shadow: 0 4px 12px rgba(0, 104, 56, 0.08);
}

.raast-badge-img {
  max-height: 34px;
  width: auto;
  object-fit: contain;
}

.trust-text {
  display: flex;
  flex-direction: column;
  text-align: left;
  flex: 1;
}

.trust-title-row {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 5px;
}

.trust-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 0.98rem;
  color: var(--ink);
  line-height: 1.2;
}

.trust-badge-pill {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.64rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  padding: 2px 7px;
  border-radius: 99px;
  background: rgba(16, 124, 191, 0.12);
  color: var(--gold);
  text-transform: uppercase;
}

.trust-badge-pill.gold {
  background: rgba(212, 175, 55, 0.16);
  color: #755600;
}

.trust-badge-pill.green {
  background: rgba(0, 132, 68, 0.12);
  color: #006b36;
}

.trust-desc {
  font-family: 'Poppins', sans-serif;
  font-weight: 400;
  font-size: 0.81rem;
  color: #475569;
  line-height: 1.45;
}

@media (max-width: 1200px) {
  .trust-bar-card {
    grid-template-columns: repeat(3, 1fr);
    row-gap: 16px;
  }
  .trust-bar-item:nth-child(3) {
    border-right: none;
  }
}

@media (max-width: 768px) {
  .trust-bar-card {
    grid-template-columns: 1fr;
    padding: 16px;
  }
  .trust-bar-item {
    border-right: none;
    border-bottom: 1px solid rgba(22, 40, 79, 0.08);
    padding: 16px 8px;
  }
  .trust-bar-item:last-child {
    border-bottom: none;
  }
}