/* ============================================================
   Total Debt Shield — Finance, Wealth & Protection
   Multi-page static site — pure HTML / CSS / JavaScript
   Design system v2 — editorial layout, teal / gold / navy
   ============================================================ */

/* ---------- 1. Design tokens ---------- */
:root {
  --font-display: 'Sora', ui-sans-serif, system-ui, sans-serif;
  --font-body: 'Manrope', ui-sans-serif, system-ui, sans-serif;

  --bg: #f6f4ee;          /* warm ivory */
  --bg-white: #ffffff;
  --ink: #16283c;         /* deep navy slate */
  --ink-soft: #4e6076;
  --ink-muted: #8a97a8;
  --line: #e6e1d5;
  --line-soft: #efece2;

  --teal-900: #134e4a;
  --teal-700: #0f766e;
  --teal-600: #0d9488;
  --teal-500: #14b8a6;
  --teal-100: #d9f2ee;
  --gold-700: #b45309;
  --gold-600: #d97706;
  --gold-500: #f59e0b;
  --gold-100: #fbeed3;
  --navy-950: #0a1c2c;
  --navy-900: #0d2438;
  --navy-800: #12314b;
  --rose-600: #e11d48;
  --sky-600: #0284c7;
  --olive-600: #4d7c0f;
  --cyan-700: #0e7490;

  --danger: #dc2626;

  --shadow-sm: 0 2px 10px -4px rgba(13, 36, 56, 0.12);
  --shadow-md: 0 14px 34px -18px rgba(13, 36, 56, 0.28);
  --shadow-lg: 0 30px 60px -30px rgba(13, 36, 56, 0.4);

  --grad-brand: linear-gradient(135deg, #0f766e 0%, #14b8a6 100%);
  --grad-accent: linear-gradient(90deg, #0d9488, #f59e0b);
  --grad-text: linear-gradient(105deg, #0f766e 0%, #0d9488 50%, #059669 100%);
  --grad-text-dark: linear-gradient(105deg, #67e8f9 0%, #5eead4 55%, #fde68a 100%);
}

/* ---------- 2. Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg-white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4, h5 { font-family: var(--font-display); line-height: 1.2; }

img, svg { display: block; max-width: 100%; }

a { color: var(--teal-700); }

::selection { background: rgba(13, 148, 136, 0.22); }

:focus-visible { outline: 3px solid rgba(13, 148, 136, 0.45); outline-offset: 2px; border-radius: 4px; }

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }

.section { padding: 92px 0; background: var(--bg-white); }
.section-paper { background: var(--bg); }
[id] { scroll-margin-top: 110px; }

.grad-text {
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}
.grad-text-dark {
  background: var(--grad-text-dark);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}

/* numbered eyebrow:  01 · About Us */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-display);
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal-700);
  margin-bottom: 16px;
}
.eyebrow .eyebrow-num { color: var(--gold-600); letter-spacing: 0.1em; }
.eyebrow .eyebrow-rule { width: 30px; height: 2px; background: var(--grad-accent); border-radius: 2px; }

.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.section-head h2 { font-size: clamp(30px, 4vw, 44px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.14; }
.section-head p { margin-top: 16px; font-size: 17.5px; color: var(--ink-soft); line-height: 1.7; }

/* ---------- 3. Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 15px;
  line-height: 1;
  border-radius: 999px;
  border: 1.5px solid transparent;
  padding: 16px 30px;
  cursor: pointer;
  text-decoration: none;
  white-space: nowrap;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease, border-color 0.2s ease, color 0.2s ease;
}
.btn-sm { padding: 12px 24px; font-size: 14px; }
.btn-lg { padding: 18px 36px; font-size: 16px; }
.btn-block { width: 100%; }

.btn-primary {
  background: linear-gradient(110deg, #0f766e 0%, #0d9488 55%, #10b3a3 100%);
  color: #fff;
  box-shadow: 0 12px 26px -12px rgba(13, 148, 136, 0.65);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 18px 34px -14px rgba(13, 148, 136, 0.7); }

.btn-gold {
  background: linear-gradient(110deg, #d97706 0%, #f59e0b 100%);
  color: #fff;
  box-shadow: 0 12px 26px -12px rgba(217, 119, 6, 0.55);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 18px 34px -14px rgba(217, 119, 6, 0.6); }

.btn-dark { background: var(--navy-800); color: #fff; }
.btn-dark:hover { background: var(--navy-900); transform: translateY(-2px); }

.btn-ghost { background: transparent; border-color: #d8d2c2; color: var(--ink); }
.btn-ghost:hover { border-color: var(--teal-600); color: var(--teal-700); background: #fff; }

.btn-ghost-light { background: rgba(255, 255, 255, 0.06); border-color: rgba(255, 255, 255, 0.28); color: #fff; backdrop-filter: blur(6px); }
.btn-ghost-light:hover { background: rgba(255, 255, 255, 0.14); border-color: rgba(255, 255, 255, 0.5); transform: translateY(-2px); }

/* ---------- 4. Top bar ---------- */
.topbar { background: var(--navy-950); color: #c8d4de; font-size: 12.5px; padding: 9px 0; position: relative; z-index: 51; }
.topbar-inner { display: flex; align-items: center; justify-content: center; gap: 12px; flex-wrap: wrap; }
.topbar-chip {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 4px 14px; border-radius: 999px; font-weight: 600;
}
.topbar-star { color: var(--gold-500); font-size: 13px; }
.topbar-sep { opacity: 0.35; }
.topbar-link { color: #eaf2f7; text-decoration: underline; text-underline-offset: 3px; }
.topbar-link:hover { color: #fff; }

/* ---------- 5. Navigation ---------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 74px; }

.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; flex-shrink: 0; }
.brand-mark {
  width: 40px; height: 40px; border-radius: 12px;
  background: var(--grad-brand); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
  box-shadow: 0 8px 18px -8px rgba(13, 148, 136, 0.65);
}
.brand-text { font-family: var(--font-display); font-weight: 800; font-size: 18.5px; letter-spacing: -0.01em; color: var(--ink); }
.brand-light .brand-text { color: #fff; }

.nav-links { display: flex; align-items: center; gap: 32px; flex-shrink: 1; min-width: 0; }
.nav-links a {
  position: relative; text-decoration: none;
  color: var(--ink-soft); font-weight: 600; font-size: 14.5px;
  padding: 6px 0; transition: color 0.2s ease;
}
.nav-links a::after {
  content: ""; position: absolute; left: 0; bottom: 0;
  width: 100%; height: 2px; border-radius: 2px;
  background: var(--grad-accent);
  transform: scaleX(0); transform-origin: left; transition: transform 0.28s ease;
}
.nav-links a:hover { color: var(--ink); }
.nav-links a:hover::after, .nav-links a.active::after { transform: scaleX(1); }
.nav-links a.active { color: var(--teal-700); }

.nav-actions { display: flex; align-items: center; gap: 14px; flex-shrink: 0; }

.nav-toggle {
  display: none; flex-direction: column; justify-content: center; align-items: center; gap: 5px;
  width: 42px; height: 42px; border-radius: 12px;
  border: 1px solid var(--line); background: #fff; cursor: pointer; padding: 0;
}
.nav-toggle span { display: block; width: 18px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform 0.3s ease, opacity 0.2s ease; }
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-mobile { display: none; overflow: hidden; max-height: 0; transition: max-height 0.35s ease; background: #fff; }
.nav-mobile.open { max-height: 520px; border-top: 1px solid var(--line); }
.nav-mobile-inner { display: flex; flex-direction: column; padding: 10px 24px 22px; }
.nav-mobile-inner a {
  padding: 13px 4px; font-weight: 600; color: var(--ink-soft);
  text-decoration: none; border-bottom: 1px solid var(--line-soft);
}
.nav-mobile-inner a.active { color: var(--teal-700); }
.nav-mobile-inner a:last-of-type { border-bottom: 0; }
.nav-mobile-cta { margin-top: 16px; }

/* ---------- 6. Hero (home) — editorial split + service index panel ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  padding: 124px 0 110px;
  background:
    radial-gradient(1100px 520px at 88% -10%, rgba(20, 184, 166, 0.26), transparent 60%),
    radial-gradient(900px 480px at -12% 112%, rgba(245, 158, 11, 0.14), transparent 60%),
    radial-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px) 0 0 / 26px 26px,
    linear-gradient(160deg, #0a1c2c 0%, #0d2438 55%, #0e2a41 100%);
}
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 64px; align-items: center; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 10px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  background: rgba(255, 255, 255, 0.06);
  border-radius: 999px; padding: 8px 18px;
  font-size: 13px; font-weight: 600; letter-spacing: 0.02em;
  color: #dce9f1; margin-bottom: 26px;
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--teal-500); animation: pulse 1.8s ease-in-out infinite; }
@keyframes pulse { 0%, 100% { box-shadow: 0 0 0 0 rgba(20, 184, 166, 0.55); } 50% { box-shadow: 0 0 0 7px rgba(20, 184, 166, 0); } }

.hero h1 { font-size: clamp(38px, 5.2vw, 64px); font-weight: 800; line-height: 1.07; letter-spacing: -0.025em; margin-bottom: 22px; }
.hero-sub { font-size: 17.5px; line-height: 1.75; color: rgba(223, 236, 243, 0.8); max-width: 560px; margin-bottom: 34px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 16px; }

/* service index panel (replaces the floating tile mosaic) */
.hero-panel {
  position: relative;
  background:
    radial-gradient(420px 240px at 92% 0%, rgba(20, 184, 166, 0.24), transparent 70%),
    rgba(255, 255, 255, 0.045);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 28px;
  padding: 8px;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 40px 90px -50px rgba(0, 0, 0, 0.65);
}
.idx-row {
  display: flex; align-items: center; gap: 16px;
  padding: 17px 18px;
  border-radius: 20px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  transition: background 0.25s ease;
}
.idx-row:last-child { border-bottom: 0; }
.idx-row:hover { background: rgba(255, 255, 255, 0.06); }
.idx-ic {
  width: 46px; height: 46px; border-radius: 14px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; color: #fff;
  box-shadow: 0 10px 22px -12px rgba(0, 0, 0, 0.55);
}
.idx-row h3 { font-size: 15.5px; font-weight: 700; color: #fff; line-height: 1.25; margin-bottom: 2px; }
.idx-row p { font-size: 12.5px; line-height: 1.45; color: rgba(214, 228, 236, 0.6); }

/* icon tile gradients */
.g-teal   { background: linear-gradient(135deg, #0f766e, #14b8a6); }
.g-rose   { background: linear-gradient(135deg, #be123c, #fb7185); }
.g-sky    { background: linear-gradient(135deg, #0369a1, #38bdf8); }
.g-gold   { background: linear-gradient(135deg, #b45309, #f59e0b); }
.g-navy   { background: linear-gradient(135deg, #12314b, #4a6fa0); }
.g-coral  { background: linear-gradient(135deg, #e11d48, #f472b6); }
.g-cyan   { background: linear-gradient(135deg, #0d9488, #22d3ee); }
.g-olive  { background: linear-gradient(135deg, #4d7c0f, #84cc16); }

/* ---------- 7. About ---------- */
.about-statement { max-width: 840px; margin: 0 auto; text-align: center; }
.about-statement h2 { font-size: clamp(30px, 4.2vw, 46px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.16; }
.about-statement p { margin: 22px auto 0; max-width: 700px; font-size: 17.5px; line-height: 1.78; color: var(--ink-soft); }
.about-cta { margin-top: 30px; }

.badge-row { display: flex; align-items: center; gap: 16px; }
.badge-row.center { justify-content: center; margin-top: 30px; }
.badge-row .badge-ic {
  width: 52px; height: 52px; border-radius: 15px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 22px;
  box-shadow: 0 10px 22px -10px rgba(13, 148, 136, 0.6);
}
.badge-row .badge-title { font-family: var(--font-display); font-weight: 700; font-size: 16.5px; color: var(--ink); }
.badge-row .badge-sub { font-size: 13.5px; color: var(--ink-muted); }

.principles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 64px; }
.principle {
  background: #fff; border: 1px solid var(--line); border-radius: 20px;
  border-top: 3px solid transparent;
  padding: 30px 28px;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.principle:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-top-color: var(--teal-600); }
.guide-ic {
  width: 48px; height: 48px; border-radius: 14px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; font-size: 22px;
  margin-bottom: 16px;
}
.principle h4 { font-size: 16.5px; font-weight: 700; color: var(--ink); margin-bottom: 6px; }
.principle p { font-size: 14px; line-height: 1.65; color: var(--ink-soft); }

.tint-teal { background: var(--teal-100); color: var(--teal-700); }
.tint-gold { background: var(--gold-100); color: var(--gold-700); }
.tint-sky  { background: #dbeafe; color: #1d4ed8; }

/* about detail page: two-column with guide card */
.about-grid { display: grid; grid-template-columns: 1.08fr 0.92fr; gap: 56px; align-items: start; }
.about-copy p { color: var(--ink-soft); font-size: 16.5px; line-height: 1.78; margin-bottom: 18px; }
.about-copy .badge-row { margin-top: 28px; }

.guide-card {
  background: #fff; border: 1px solid var(--line); border-radius: 24px;
  padding: 34px 32px; box-shadow: var(--shadow-md);
}
.guide-card h3 { font-size: 22px; font-weight: 800; letter-spacing: -0.01em; margin-bottom: 10px; }
.guide-item { display: flex; gap: 16px; padding: 20px 0; border-bottom: 1px dashed var(--line-soft); }
.guide-item:last-child { border-bottom: 0; padding-bottom: 4px; }
.guide-item .guide-ic { margin-bottom: 0; }
.guide-item h4 { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 5px; }
.guide-item p { font-size: 14px; line-height: 1.65; color: var(--ink-soft); }

/* ---------- 8. Services ---------- */
/* home: editorial numbered index rows */
.svc-rows { border-top: 1px solid var(--line); }
.svc-row {
  display: grid;
  grid-template-columns: 64px 56px minmax(0, 1fr) 48px;
  grid-template-areas:
    "num  ic title arrow"
    "num  ic desc arrow";
  column-gap: 24px; row-gap: 10px;
  align-items: center;
  padding: 26px 10px;
  border-bottom: 1px solid var(--line);
  text-decoration: none;
  transition: background 0.25s ease;
}
.svc-row:hover { background: rgba(13, 148, 136, 0.05); }
.svc-num {
  grid-area: num;
  font-family: var(--font-display); font-weight: 800; font-size: 24px;
  color: var(--gold-600); letter-spacing: 0.04em;
}
.svc-ic {
  grid-area: ic;
  width: 56px; height: 56px; border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 26px;
  box-shadow: 0 10px 22px -12px rgba(13, 36, 56, 0.4);
  transition: transform 0.25s ease;
}
.svc-row:hover .svc-ic { transform: scale(1.06) rotate(-3deg); }
.svc-title { grid-area: title; font-family: var(--font-display); font-size: 19px; font-weight: 700; color: var(--ink); }
.svc-desc { grid-area: desc; font-size: 14px; line-height: 1.65; color: var(--ink-soft); max-width: 700px; }
.svc-arrow {
  grid-area: arrow; justify-self: end;
  width: 44px; height: 44px; border-radius: 50%;
  border: 1px solid var(--line);
  display: flex; align-items: center; justify-content: center;
  color: var(--teal-700); font-size: 15px;
  transition: all 0.25s ease;
}
.svc-row:hover .svc-arrow { background: var(--teal-600); border-color: var(--teal-600); color: #fff; transform: translateX(5px); }
.section-cta { text-align: center; margin-top: 44px; }

/* page hero band (sub-pages) */
.page-hero {
  position: relative; overflow: hidden; color: #fff;
  padding: 144px 0 118px;
  background:
    radial-gradient(1000px 480px at 90% -20%, rgba(20, 184, 166, 0.24), transparent 60%),
    radial-gradient(800px 420px at -10% 120%, rgba(245, 158, 11, 0.12), transparent 60%),
    radial-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px) 0 0 / 26px 26px,
    linear-gradient(160deg, #0a1c2c 0%, #0d2438 55%, #0e2a41 100%);
}
.page-hero h1 { font-size: clamp(34px, 4.6vw, 52px); font-weight: 800; letter-spacing: -0.025em; line-height: 1.12; max-width: 860px; }
.page-hero .page-hero-sub { margin-top: 24px; max-width: 660px; font-size: 17px; line-height: 1.72; color: rgba(223, 236, 243, 0.8); }

/* services page: numbered groups + cards */
.svc-idx {
  font-family: var(--font-display); font-weight: 800; font-size: 14px;
  letter-spacing: 0.24em; color: var(--gold-600);
  margin-bottom: 10px;
}
.service-group { margin-bottom: 72px; }
.service-group:last-child { margin-bottom: 0; }
.svc-group-head { display: flex; align-items: center; gap: 18px; margin-bottom: 14px; }
.svc-group-ic {
  width: 56px; height: 56px; border-radius: 16px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 26px;
  box-shadow: 0 12px 26px -12px rgba(13, 36, 56, 0.4);
}
.svc-group-head h2 { font-size: clamp(24px, 3vw, 32px); font-weight: 800; letter-spacing: -0.02em; }
.svc-group-desc { max-width: 780px; font-size: 16px; line-height: 1.72; color: var(--ink-soft); margin-bottom: 28px; }

.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.service-card {
  display: block; background: #fff;
  border: 1px solid var(--line); border-radius: 18px;
  padding: 24px 22px; text-decoration: none;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: rgba(13, 148, 136, 0.35); }
.svc-ic-2 { font-size: 27px; margin-bottom: 12px; display: block; }
.service-card h3 { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 7px; }
.service-card p { font-size: 13.5px; line-height: 1.62; color: var(--ink-soft); }

.ic-a { color: var(--teal-700); }
.ic-b { color: var(--teal-500); }
.ic-c { color: var(--navy-800); }
.ic-d { color: var(--gold-600); }
.ic-e { color: var(--rose-600); }
.ic-f { color: var(--sky-600); }
.ic-g { color: var(--olive-600); }
.ic-h { color: var(--cyan-700); }

/* ---------- 9. Why us — 2x2 numbered horizontal cards ---------- */
.why-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.why-card {
  position: relative; overflow: hidden;
  display: flex; gap: 22px; align-items: flex-start;
  background: #fff; border: 1px solid var(--line); border-radius: 20px;
  padding: 30px 28px;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.why-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--grad-accent); }
.why-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: rgba(13, 148, 136, 0.35); }
.why-ic {
  width: 54px; height: 54px; border-radius: 16px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 25px;
  box-shadow: 0 12px 26px -14px rgba(13, 36, 56, 0.45);
}
.why-body { padding-right: 64px; }
.why-body h3 { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
.why-body p { font-size: 14px; line-height: 1.65; color: var(--ink-soft); }
.why-num {
  position: absolute; top: 16px; right: 20px;
  font-family: var(--font-display); font-weight: 800; font-size: 38px; line-height: 1;
  color: rgba(13, 148, 136, 0.12);
}

/* ---------- 10. Testimonials — full-width dark band, centered quote ---------- */
.t-section {
  padding: 92px 0; color: #fff;
  background:
    radial-gradient(900px 420px at 8% -12%, rgba(20, 184, 166, 0.24), transparent 60%),
    radial-gradient(760px 380px at 104% 112%, rgba(245, 158, 11, 0.14), transparent 60%),
    radial-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px) 0 0 / 26px 26px,
    linear-gradient(160deg, #0a1c2c 0%, #0d2438 55%, #0e2a41 100%);
}
.t-section .section-head h2 { color: #fff; }
.t-section .section-head p { color: rgba(223, 236, 243, 0.72); }
.t-section .eyebrow { color: #7fd6cd; }

.t-shell { max-width: 880px; margin: 0 auto; }
.t-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: 26px;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  overflow: hidden;
}
.t-viewport { overflow: hidden; }
.t-track { display: flex; transition: transform 0.55s cubic-bezier(0.22, 1, 0.36, 1); }
.t-slide {
  min-width: 100%; box-sizing: border-box;
  padding: 52px 56px;
  display: flex; flex-direction: column; align-items: center; text-align: center;
}
.t-avatar {
  width: 72px; height: 72px; border-radius: 20px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 34px; margin-bottom: 20px;
  box-shadow: 0 12px 26px -12px rgba(0, 0, 0, 0.5);
}
.t-stars { display: flex; gap: 3px; color: var(--gold-500); font-size: 16px; margin-bottom: 14px; }
.t-quote { font-family: var(--font-display); font-size: clamp(18px, 2.2vw, 22px); font-weight: 600; line-height: 1.55; color: #fff; max-width: 660px; }
.t-cite { margin-top: 16px; font-size: 14.5px; color: rgba(223, 236, 243, 0.7); }
.t-cite strong { color: #fff; }
.t-controls { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 26px; }
.t-arrow {
  width: 44px; height: 44px; border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.24);
  background: rgba(255, 255, 255, 0.06); color: #fff;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; font-size: 16px;
  transition: all 0.2s ease;
}
.t-arrow:hover { background: rgba(255, 255, 255, 0.15); border-color: rgba(255, 255, 255, 0.45); }
.t-dots { display: flex; gap: 8px; align-items: center; }
.t-dot {
  width: 9px; height: 9px; border-radius: 999px; padding: 0;
  background: rgba(255, 255, 255, 0.25); border: 0; cursor: pointer;
  transition: width 0.25s ease, background 0.25s ease;
}
.t-dot.active { width: 26px; background: #5eead4; }

/* ---------- 11. FAQ ---------- */
.faq-list { max-width: 780px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.faq-item {
  background: #fff; border: 1px solid var(--line);
  border-left: 3px solid transparent;
  border-radius: 16px; overflow: hidden;
  transition: border-color 0.25s ease, box-shadow 0.25s ease;
}
.faq-item.open { border-left-color: var(--teal-600); box-shadow: var(--shadow-sm); }
.faq-q {
  width: 100%; background: none; border: 0; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 20px 24px;
  font-family: var(--font-display); font-weight: 700; font-size: 16px;
  color: var(--ink); text-align: left;
}
.faq-q:hover { color: var(--teal-700); }
.faq-ic { color: var(--teal-600); font-size: 18px; flex-shrink: 0; transition: transform 0.3s ease; }
.faq-item.open .faq-ic { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-item.open .faq-a { max-height: 340px; }
.faq-a p { padding: 0 24px 22px; font-size: 14.5px; line-height: 1.7; color: var(--ink-soft); }

/* ---------- 12. Newsletter band + CTA ---------- */
.news-band {
  position: relative; overflow: hidden;
  display: grid; grid-template-columns: 1.35fr 1fr; gap: 40px; align-items: center;
  background: #fff; border: 1px solid var(--line); border-radius: 26px;
  padding: 46px 52px;
  box-shadow: var(--shadow-sm);
}
.news-band::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 6px;
  background: linear-gradient(180deg, var(--teal-600), var(--gold-500));
}
.news-band h2 { font-size: clamp(26px, 3.4vw, 38px); font-weight: 800; letter-spacing: -0.02em; }
.news-band > div > p { margin-top: 12px; font-size: 16px; line-height: 1.7; color: var(--ink-soft); }
.news-band-side { display: flex; flex-direction: column; align-items: flex-start; gap: 16px; }
.news-note { margin-top: 0; font-size: 13px; color: var(--ink-muted); }

.cta-full {
  padding: 88px 0; color: #fff;
  background:
    radial-gradient(760px 360px at 88% 10%, rgba(20, 184, 166, 0.3), transparent 62%),
    radial-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px) 0 0 / 26px 26px,
    linear-gradient(140deg, #0a1c2c 0%, #12314b 100%);
}
.cta-full .container { display: flex; align-items: center; justify-content: space-between; gap: 36px; flex-wrap: wrap; }
.cta-full h2 { font-size: clamp(28px, 3.6vw, 40px); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 10px; }
.cta-full p { font-size: 16px; line-height: 1.72; color: rgba(223, 236, 243, 0.78); max-width: 640px; }
.cta-full .btn { flex-shrink: 0; }

/* ---------- 13. Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 48px; align-items: start; }
.contact-info {
  background: #fff; border: 1px solid var(--line); border-radius: 24px;
  padding: 34px 32px; box-shadow: var(--shadow-sm);
}
.info-row { display: flex; align-items: center; gap: 16px; padding: 18px 0; border-bottom: 1px dashed var(--line-soft); font-size: 15.5px; color: var(--ink-soft); }
.info-row:first-child { padding-top: 4px; }
.info-row:last-child { border-bottom: 0; padding-bottom: 4px; }
.info-ic {
  width: 48px; height: 48px; border-radius: 14px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; font-size: 20px;
}

/* ---------- 14. Forms ---------- */
.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: 24px;
  padding: 36px 34px; box-shadow: var(--shadow-md);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 700; font-size: 13.5px; color: var(--ink); margin-bottom: 8px; }
.input, .textarea {
  width: 100%;
  background: #fbfaf6;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  padding: 13px 16px;
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--ink);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.input::placeholder, .textarea::placeholder { color: var(--ink-muted); }
.input:focus, .textarea:focus {
  outline: none;
  border-color: var(--teal-600);
  box-shadow: 0 0 0 4px rgba(13, 148, 136, 0.14);
  background: #fff;
}
.textarea { resize: vertical; min-height: 130px; }

.check-row { display: flex; align-items: flex-start; gap: 12px; cursor: pointer; user-select: none; }
.check-row input { width: 20px; height: 20px; margin-top: 2px; flex-shrink: 0; accent-color: var(--teal-700); cursor: pointer; }
.check-row span { font-size: 14px; line-height: 1.55; color: var(--ink-soft); }
.check-row a { color: var(--teal-700); }

.form-note { margin-top: 18px; font-size: 12.5px; color: var(--ink-muted); text-align: center; }
.form-alt { margin-top: 16px; text-align: center; }
.form-alt a { font-size: 14px; font-weight: 600; color: var(--ink-soft); text-decoration: underline; text-underline-offset: 4px; transition: color 0.2s ease; }
.form-alt a:hover { color: var(--teal-700); }

/* ---------- 15. Legal / policy pages ---------- */
.policy { max-width: 880px; margin: 0 auto; display: flex; flex-direction: column; gap: 18px; }
.policy-block {
  position: relative;
  background: #fff; border: 1px solid var(--line);
  border-radius: 18px; padding: 28px 32px 28px 38px;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}
.policy-block::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px;
  background: linear-gradient(180deg, var(--teal-600), var(--gold-500));
}
.policy-block h2 { font-size: 18px; font-weight: 700; color: var(--ink); margin-bottom: 10px; }
.policy-block p { font-size: 14.5px; line-height: 1.75; color: var(--ink-soft); }

/* ---------- 16. Footer ---------- */
.footer { background: var(--navy-950); color: #c8d4de; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 0.8fr 1fr;
  gap: 40px;
  padding: 64px 0 48px;
}
.footer-brand .brand { margin-bottom: 18px; }
.footer-brand p { font-size: 14px; line-height: 1.75; color: #8fa1b0; max-width: 300px; }
.footer h4 {
  font-size: 13px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: #fff; margin-bottom: 18px;
}
.footer ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer ul a { color: #9fb0bf; font-size: 14.5px; text-decoration: none; transition: color 0.2s ease; }
.footer ul a:hover { color: #5eead4; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.1); padding: 22px 0; display: flex; align-items: center; justify-content: center; }
.footer-bottom p { font-size: 12.5px; color: #66788a; }

/* ---------- 17. Toasts ---------- */
.toast-root {
  position: fixed; top: 96px; right: 20px; z-index: 1000;
  display: flex; flex-direction: column; gap: 12px;
  width: min(390px, calc(100vw - 40px));
  pointer-events: none;
}
.toast {
  position: relative; overflow: hidden;
  pointer-events: auto;
  background: #fff;
  border: 1px solid var(--line);
  border-left: 5px solid var(--teal-600);
  border-radius: 14px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: flex-start; gap: 14px;
  padding: 16px 44px 16px 16px;
  transform: translateX(calc(100% + 48px));
  opacity: 0;
  transition: transform 0.45s cubic-bezier(0.22, 1, 0.36, 1), opacity 0.35s ease;
}
.toast.show { transform: translateX(0); opacity: 1; }
.toast.toast-error { border-left-color: var(--danger); }
.toast-icon {
  width: 38px; height: 38px; border-radius: 11px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; background: var(--teal-100); color: var(--teal-700);
}
.toast-error .toast-icon { background: #fee2e2; color: var(--danger); }
.toast-body { min-width: 0; }
.toast-body strong { display: block; font-family: var(--font-display); font-size: 15px; color: var(--ink); margin-bottom: 3px; }
.toast-body span { font-size: 13.5px; line-height: 1.5; color: var(--ink-soft); }
.toast-close {
  position: absolute; top: 9px; right: 9px;
  width: 28px; height: 28px; border: 0; border-radius: 8px;
  background: transparent; color: var(--ink-muted); cursor: pointer;
  display: flex; align-items: center; justify-content: center; font-size: 13px;
}
.toast-close:hover { background: var(--line-soft); color: var(--ink); }
.toast-bar {
  position: absolute; left: 0; bottom: 0; height: 3px; width: 100%;
  background: var(--teal-600); transform-origin: left;
  animation: toastbar 5.2s linear forwards;
}
.toast-error .toast-bar { background: var(--danger); }
@keyframes toastbar { from { transform: scaleX(1); } to { transform: scaleX(0); } }

/* ---------- 18. Confetti ---------- */
@keyframes confetti-fall {
  0% { transform: translateY(-12vh) rotate(0deg); opacity: 1; }
  100% { transform: translateY(105vh) rotate(720deg); opacity: 0; }
}
.confetti-piece {
  position: fixed; top: 0; left: 0;
  width: 11px; height: 11px; border-radius: 2px;
  z-index: 999; pointer-events: none;
  animation: confetti-fall 1.4s ease-out forwards;
}

/* ---------- 19. Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-1 { transition-delay: 0.1s; }
.reveal-2 { transition-delay: 0.2s; }
.reveal-3 { transition-delay: 0.3s; }

/* ---------- 20. Responsive ---------- */
@media (max-width: 1024px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .nav-mobile { display: block; }

  .hero { padding: 92px 0 92px; }
  .page-hero { padding: 104px 0 92px; }
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-panel { max-width: 640px; }

  .about-grid, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .principles { grid-template-columns: 1fr; max-width: 560px; margin-left: auto; margin-right: auto; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); gap: 36px; }
  .news-band { grid-template-columns: 1fr; padding: 38px 32px; }
  .cta-full .container { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 860px) {
  .why-grid { grid-template-columns: 1fr; }
  .svc-row {
    grid-template-columns: 52px minmax(0, 1fr) 44px;
    grid-template-areas:
      "ic  title arrow"
      ".   desc  desc";
    row-gap: 10px;
    padding: 22px 6px;
  }
  .svc-num { display: none; }
  .svc-title { font-size: 18px; }
  .svc-arrow { width: 40px; height: 40px; }
}

@media (max-width: 640px) {
  .section { padding: 68px 0; }  .page-hero { padding: 84px 0 70px; }

  .topbar-sep { display: none; }

  .idx-row { padding: 14px 12px; gap: 12px; }
  .idx-ic { width: 40px; height: 40px; font-size: 19px; }

  .t-slide { padding: 36px 24px; }
  .t-quote { font-size: 17px; }

  .service-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; padding: 52px 0 40px; }
  .form-card { padding: 28px 22px; }
  .policy-block { padding: 24px 22px 24px 26px; }
  .cta-full { padding: 64px 0; }
  .toast-root { top: 88px; left: 16px; right: 16px; width: auto; }
  .why-num { display: none; }
  .why-body { padding-right: 0; }
}

/* ---------- 21. Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
  .t-track, .nav-mobile, .nav-toggle span, .faq-a, .faq-ic, .svc-ic, .svc-arrow { transition: none !important; }
  .confetti-piece { display: none !important; animation: none !important; }
  .hero-badge .dot { animation: none !important; }
  .toast { transition: none !important; }
  .toast-bar { animation: none !important; transform: scaleX(0) !important; }
}

/* small phones: keep navbar from squeezing */
@media (max-width: 480px) {
  .nav-actions .btn { display: none; }
  .brand-text { font-size: 17px; }
  .topbar { font-size: 12px; }
}