/* ---------- RESET & GLOBAL ---------- */
    *,
    *::before,
    *::after {
      margin: 0;
      padding: 0;
      box-sizing: border-box;
    }

    :root {
      --navy: #0b1f3a;
      --navy-mid: #102c52;
      --teal: #00c2a0;
      --teal-light: #00ddb7;
      --teal-dim: rgba(0, 194, 160, 0.15);
      --white: #ffffff;
      --black: #000000;
      --off-white: #f4f7fb;
      --slate: #8fa3bb;
      --text: #1a2e44;
      --text-muted: #5a7898;
      --border: rgba(11, 31, 58, 0.1);
      --card-shadow: 0 4px 30px rgba(11, 31, 58, 0.08);
      --accent: #10b981;
      --accent-dark: #047857;
      --primary-soft: #0b1440;
      --bg-surface: #f8fafc;
      --gold: #f0c040;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      font-family: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
      line-height: 1.6;
      color: var(--white);
      background: #ffffff;
      min-height: 100vh;
      overflow-x: hidden;
    }
/* ----------------------------------------------------------------------------- */
    /* ---------- TYPOGRAPHY & UTILITIES ---------- */
    .container {
      width: min(1250px, calc(100% - 32px));
      margin: 0 auto;
    }
/* ----------------------------------------------------------------------------- */
    /* ---------- FIXED NAVIGATION (RESPONSIVE) ---------- */
    nav {
      position: fixed;
      top: 0;
      left: 0;
      right: 0;
      z-index: 100;
      background: rgba(255, 255, 255, 0.96);
      backdrop-filter: blur(18px);
      display: flex;
      align-items: center;
      justify-content: space-between;
      flex-wrap: wrap;
      gap: 16px;
      padding: 0 5%;
      height: auto;
      min-height: 81px;
      border-bottom: 1px solid rgba(0, 0, 0, 0.08);
    }

    .nav-logo {
      display: flex;
      align-items: center;
      gap: 12px;
      color: var(--black);
      font-weight: 700;
      font-size: 1.25rem;
      text-decoration: none;
      /* margin-left: 100px; */
    }

    .nav-logo span {
      color: var(--white);
      width: 34px;
      height: 34px;
      background: #42c8d7;
      border-radius: 10px;
      display: grid;
      place-items: center;
      font-size: 0.85rem;
      font-weight: 900;
    }

    .nav-cta {
      background: #25c35e;
      color: white;
      font-weight: 700;
      padding: 12px 24px;
      border-radius: 10px;
      font-size: 0.9rem;
      transition: all 0.2s;
      text-decoration: none;
      box-shadow: 0 8px 20px rgba(0, 194, 160, 0.2);
      margin-right: 0;
      white-space: nowrap;
    }

    .nav-cta:hover {
      background: var(--teal-light);
      transform: translateY(-2px);
    }
/* ----------------------------------------------------------------------------- */
    /* ---------- HERO SECTION (FULLY RESPONSIVE) ---------- */
    .hero {
      background: linear-gradient(135deg, #233c5d 0%, #2f4969 50%, #42c8d7 100%);
      padding: 100px 0 70px;
      margin-top: 0;
    }

    .hero-grid {
      display: grid;
      grid-template-columns: 1.1fr 1.2fr;
      gap: 40px;
      align-items: center;
    }

    .hero-left h1 {
      font-family: 'Montserrat', sans-serif;
      font-weight: 700;
      font-size: clamp(2.2rem, 7vw, 3.7rem);
      line-height: 1;
      margin: 22px 0 20px;
      letter-spacing: -0.02em;
    }

    .hero-left p {
      font-size: 1.1rem;
      color: rgba(255, 255, 255, 0.9);
      max-width: 90%;
      margin-bottom: 28px;
    }

    .hero-eyebrow {
      display: inline-flex;
      background: rgba(255, 255, 255, 0.12);
      border: 1px solid rgba(255, 255, 255, 0.25);
      padding: 6px 14px;
      border-radius: 999px;
      font-size: 0.8rem;
      font-weight: 600;
      letter-spacing: 0.05em;
    }
    .hero-eyebrow img {
      margin-right: 6px;margin-top: 2px;
      width: 14px;
      height: 14px;
    }

    .hero-features {
      display: flex;
      flex-direction: column;
      gap: 14px;
      margin: 28px 0 20px;
    }

    .hero-feat {
      display: flex;
      align-items: flex-start;
      gap: 14px;
      background: rgba(255, 255, 255, 0.08);
      backdrop-filter: blur(4px);
      border: 1px solid rgba(255, 255, 255, 0.15);
      border-radius: 10px;
      padding: 18px 18px;
    }

    .feat-icon {
      width: 44px;
      height: 44px;
      background: #42c8d747;
      border-radius: 16px;
      display: grid;
      place-items: center;
      font-size: 1.4rem;
      flex-shrink: 0;
    }
.feat-icon img {
      width: 20px;
      height: 20px;
    }
    .feat-text .text1 {
      font-weight: 550;
      font-size: 1.1rem;
      margin-bottom: 4px;
    }

    .feat-text .text2 {
      font-size: 0.85rem;
      opacity: 0.85;
    }

    .hero-stats {
      display: flex;
      flex-wrap: wrap;
      gap: 16px;
      margin-top: 20px;
    }

    .stat-item {
      background: rgba(255, 255, 255, 0.08);
      border-radius: 20px;
      padding: 14px 22px;
      min-width: 140px;
      flex: 1 1 auto;
    }

    .stat-val {
      font-weight: 800;
      font-size: 1.6rem;
      display: block;
      line-height: 1.2;
    }

    .stat-label {
      font-size: 0.75rem;
      opacity: 0.8;
    }
/* ----------------------------------------------------------------------------- */
    /* Hero Card (form container) */
    .hero-card {
      background: #243b5d;
      border-radius: 15px;
      overflow: hidden;
      box-shadow: 0 35px 60px rgba(0, 0, 0, 0.25);
      width: 100%;
      max-width: 100%;
    }

    .card-badge {
       display: inline-flex;
      align-items: center;
      
      color: #42c8d7;
      font-size: 0.75rem;
      font-weight: 550;
      margin: 20px 0 0 24px;
      padding: 10px 16px;
      
    }
    .card-badge img {
      
      margin-right: 10px;
      width: 20px;
      height: 20px;
      
    }
    .card-header {
      display: flex;
      gap: 14px;
      padding: 5px 35px 15px;
    }

    .card-header-text h3 {
      font-size: 1.2rem;
      font-weight: 650;
      /* margin-bottom: 6px; */
      color: white;
    }

    .card-header-text p {
      font-size: 0.85rem;
      color: rgba(255, 255, 255, 0.7);
    }
/* ----------------------------------------------------------------------------- */
    /* WHITE FORM CARD */
    .comparison-form-card {
      background: white;
      padding: 24px;
      width: 100%;
    }

    .form-step-header h3 {
      color: var(--black);
      font-size: 1rem;
      font-weight: 600;
    }

    .form-step-header p {
      color: #4a5b6e;
      margin-bottom: 12px;
      font-size: 0.85rem;
    }

    .options-grid,
    .options-grid2 {
      display: grid;
      gap: 12px;
      margin-top: 18px;
    }

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

    .options-grid2 {
      grid-template-columns: repeat(2, 1fr);
    }

    .option-button {
      border: 1px solid #e2e8f0;
      border-radius: 10px;
      padding: 14px 18px;
      background: #f9fbfd;
      font-weight: 560;
      color: #0f172a;
      text-align: left;
      cursor: pointer;
      transition: all 0.2s;
    }

    .option-button.selected {
      border-color: #42c8d7;
      background: #42c8d74d;
      color: #42c8d7;
    }

    .field-group {
      margin-bottom: 18px;
    }

    .field-group label {
      font-weight: 600;
      color: #1e293b;
      display: block;
      margin-bottom: 6px;
      font-size: 0.9rem;
    }

    .field-group input {
      width: 100%;
      padding: 14px 16px;
      border: 1px solid #cbd5e1;
      border-radius: 10px;
      font-size: 1rem;
      transition: 0.2s;
    }

    .phone-field {
      display: flex;
      gap: 10px;
      align-items: center;
      width: 100%;
    }

    .phone-field select {
      min-width: 140px;
      border: 1px solid #cbd5e1;
      border-radius: 10px;
      padding: 14px 16px ;
      background: #f9fbfd;
      color: #0f172a;
      font-size: 1rem;
      cursor: pointer;
    }

 

    .field-hint {
      color: #64748b;
      font-size: 0.8rem;
      margin-top: 4px;
      margin-bottom: -2px;
    }

    .checkbox-field {
      display: flex;
      gap: 12px;
      align-items: flex-start;
      margin: 16px 0;
    }

    .checkbox-field label {
      font-size: 0.8rem;
      color: #475569;
    }

    .field-error {
      color: #e53e3e;
      font-size: 0.8rem;
      margin-top: 6px;
    }

    .form-actions {
      display: flex;
      gap: 16px;
      flex-wrap: wrap;
      margin-top: 28px;
    }

    .btn {
      padding: 14px 24px;
      border-radius: 40px;
      font-weight: 700;
      cursor: pointer;
      border: none;
      transition: 0.2s;
      flex: 1;
      text-align: center;
    }

    .btn-primary {
      background: var(--accent);
      color: white;
    }

    .btn-outline {
      background: white;
      border: 1px solid #cbd5e1;
      color: #1e293b;
    }

    .form-footer {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-top: 28px;
      font-size: 0.8rem;
      color: #4b5563;
    }
/* ----------------------------------------------------------------------------- */
    /* info cards + table */
    .section {
      padding: 80px 0;
    }

    .bg-surface {
      background: white;
    }

    .section-title {
      color: #000000;
      text-align: center;
      max-width: 800px;
      margin: 0 auto 48px;
    }
    .section-title  h2 {
      font-size: clamp(1.8rem, 3.5vw, 2.5rem);
      font-weight: 700;
      color: #0f172a;
    }
    .section-title  p {
      color: #475569;
      font-size: 1.1rem;
      margin-top: 12px;
    }
    .text-center h2 {
      font-size: clamp(1.8rem, 4vw, 2.5rem);
      font-weight: 800;
      color: #0f172a;
    }
    .text-center p {
      color: #475569;
      font-size: 1rem;
      margin-top: 12px;
    }
    .card-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
      gap: 28px;
      margin-bottom: 64px;
    }

    .info-card {
      background: #ffffff;
      border-radius: 28px;
      padding: 28px;
      box-shadow: 0 8px 20px rgba(0, 0, 0, 0.03);
      border: 1px solid #edf2f7;
    }
    .info-card h3 {
      font-size: 1.2rem;
      font-weight: 800;
      margin-bottom: 12px;
      color: #0f172a;
    }
    .info-card p {
      color: #4a5b6e;
      font-size: 0.9rem;
    }

    .icon-circle {
      width: 52px;
      height: 52px;
      background: #42c8d747;
      border-radius: 18px;
      display: grid;
      place-items: center;
      font-weight: 800;
      font-size: 1.4rem;
      color: var(--accent-dark);
      margin-bottom: 18px;
    }
    .icon-circle img {
      width: 24px;
      height: 24px;
    } 

    .comparison-table-card {
      background: white;
      border-radius: 28px;
      padding: 24px 20px;
      box-shadow: 0 8px 28px rgba(0, 0, 0, 0.04);
    }
    .comparison-table-card h3 {
      font-size: 1.4rem;
      font-weight: 750;
      margin-bottom: 50px;
      word-spacing: 8px;
      color: #0f172a;
      text-align: center;
    }

/* ----------------------------------------------------------------------------- */
    /*  Table */
     .table-wrapper {
      color: #000000;
      overflow-x: auto;
      border-radius: 24px;
      background: white;
      border: 1px solid var(--border-light);
    }

    .compare-table {
      color: #000000;
      width: 100%;
      border-collapse: collapse;
      min-width: 560px;
    }

    .compare-table th {
      background: #0f172a;
      /* color: white; */
      padding: 1rem 1rem;
      text-align: left;
      font-weight: 600;
      color: #ffffff
    }

    .compare-table td {
      padding: 1rem;
      border-bottom: 1px solid #eef2f6;
    }

    .compare-table td.investment-type-cell {
      display: inline-flex;
      align-items: center;
      gap: 0.75rem;
      vertical-align: middle;
    }

    .compare-table td.investment-type-cell img {
      width: 20px;
      height: 20px;
      display: block;
    }

    .rec-row td.investment-type-cell {
      color: #25c35e;
    }

    .rec-row {
      background: #ecfdf5;
    }
 
 /* ----------------------------------------------------------------------------- */
/* ---------- testimonials ---------- */
   
 .testimonials-section {
      background: #ffffff;
    }

    .testimonials-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 1.5rem;
      margin-top: 2rem;
    }

    .testimonial-card {
      color: #000000;
      background: white;
      border-radius: 24px;
      padding: 1.6rem;
      box-shadow: var(--card-shadow);
    }

    .stars {
      font-weight: 900;
      color: #25c35e;
      margin-bottom: 0.8rem;
    }
    .stars img {
      width: 50px;
      height: 50px;
    }

    .testimonial-author {
      display: flex;
      justify-content: space-between;
      margin-top: 1rem;
      align-items: center;
    }

    .stats-row {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      background: white;
      border-radius: 40px;
      max-width: 800px;
      margin: 3rem auto 0;
      overflow: hidden;
      box-shadow: var(--card-shadow);
    }

    .stat-block {
      color: #000000;
      text-align: center;
      padding: 1.6rem 0.5rem;
      border-right: 1px solid var(--border-light);
    }
    .stat-block .stat-number {
      display: block;
      font-size: 1.6rem;
      font-weight: 800;
      margin-bottom: 4px;
    }

    .stat-block:last-child {
      border-right: none;
    }

    /* FAQ */
    .faq-section {
      background: white;
      padding: 80px 5%;
    }

    .faq-grid {
      max-width: 800px;
      margin: 40px auto 0;
      display: flex;
      flex-direction: column;
      gap: 16px;
    }

    .faq-item {
      background: white;
      border-radius: 24px;
      box-shadow: 0 4px 14px rgba(0, 0, 0, 0.02);
      border: 1px solid #eef2f8;
    }

    .faq-question {
      width: 100%;
      padding: 20px 24px;
      display: flex;
      justify-content: space-between;
      align-items: center;
      background: transparent;
      border: none;
      font-weight: 700;
      font-size: 1rem;
      text-align: left;
      cursor: pointer;
    }

    .faq-answer {
      color: #000000;
      max-height: 0;
      overflow: hidden;
      transition: max-height 0.4s ease;
      padding: 0 24px;
    }

    .faq-item.open .faq-answer {
      max-height: 280px;
      padding-bottom: 24px;
    }
/* ----------------------------------------------------------------------------- */
    /* CTA BAND */
    .cta-band {
      background: linear-gradient(135deg, #233c5d 0%, #2f4969 50%, #42c8d7 100%);
      padding: 80px 5%;
      text-align: center;
    }

    .cta-band h2 {
      font-size: clamp(1.8rem, 3.5vw, 2.6rem);
      font-weight: 700;
    }
    .cta-band p{
      font-weight: 500px;
      font-size: 1.1rem;
      margin: 20px auto 32px;
     
    }

    .cta-trust {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
      margin: 40px auto 24px;
      max-width: 900px;
    }
   

    .trust-item {
      display: grid;
      background: rgba(255, 255, 255, 0.08);
      border-radius: 10px;
      padding: 25px;
    }
     .trust-icon img {
      width: 28px;
      height: 28px;
    }
    .trust-item .trust-val {
      text-align: center;
      font-weight: 550;
      font-size: 1.1rem;
      display: block;
      margin-top: 8px;
    
    }
    .cta-success{
      display: inline-flex;
      flex-wrap: wrap;
      gap: 16px;
      margin-top: 20px;
      color: #ffffff;
      font-weight: 400;
      font-size: 1rem;
    }

    .cta-success span {
      display: inline-flex;
      align-items: center;
      gap: 8px;
    }

    .cta-success img {
      width: 22px;
      height: 22px;
      margin: 0;
    }
/* ----------------------------------------------------------------------------- */
    /* Footer */
  
    footer {
      
    background: #243b5d; padding: 40px 5%;
    display: flex; align-items: center;
    grid-template-columns: 0.9fr 1.2fr;
     justify-content: left;
    flex-wrap: wrap; gap: 30px;
    
  }
    .footer-brand { display: flex; flex-direction: column; gap: 8px; }
    .footer-brand p { font-size: 1.rem; color:#d3d8df;max-width: 90%; line-height: 1.5; font-weight: 500;}
    .footer-links {display: flex; gap: 24px; }
    .footer-links a { font-size: 1rem; color:#d3d8df; text-decoration: none; transition: color 0.2s; }
    .footer-links a:hover { color: var(--white); }
    .footer-copy { display: inline-flex;justify-content: space-between;font-size: 1rem; color: rgba(255, 255, 255, 0.737); width: 90%; padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.05);text-align: center; }
    .disclaimer-bar {
      background: #ffffff;
      padding: 30px; font-size: 0.72rem; color: rgba(69, 77, 87, 0.6); line-height: 1.5;
      font-weight: 700 400;
      text-align: center;
    }

/* ----------------------------------------------------------------------------- */
    /* ---------- RESPONSIVE MEDIA QUERIES (ALL SCREENS) ---------- */
    @media (max-width: 1024px) {
      .hero-grid {
        grid-template-columns: 1fr;
        gap: 48px;
      }

      .hero-left h1 {
        font-size: clamp(2rem, 5vw, 3.2rem);
      }
    }

    @media (max-width: 768px) {
      nav {
        padding: 12px 5%;
        flex-wrap: wrap;
        justify-content: center;
      }

      .nav-cta {
        padding: 8px 20px;
        font-size: 0.85rem;
      }

      .hero {
        padding-top: 140px;
      }

      .options-grid2 {
        grid-template-columns: 1fr;
      }

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

      .metrics-row {
        grid-template-columns: 1fr;
        width: 100%;
        margin: 40px 16px;
      }

      .metric-item {
        border-right: none;
        border-bottom: 1px solid #e2e8f0;
      }

      .cta-trust {
        grid-template-columns: 1fr;
        gap: 16px;
      }

      .hero-stats {
        flex-direction: column;
      }

      .stat-item {
        text-align: center;
      }

      .hero-features {
        gap: 12px;
      }

      .form-actions {
        flex-direction: column;
      }

      .btn {
        width: 100%;
      }

      .card-header {
        flex-wrap: wrap;
      }

      .comparison-form-card {
        padding: 16px;
      }

      footer {
        flex-direction: column;
        align-items: center;
        text-align: center;
      }

      .footer-links {
        justify-content: center;
      }
    }

    @media (max-width: 480px) {
      .hero-feat {
        flex-direction: column;
        align-items: flex-start;
      }

      .feat-icon {
        margin-bottom: 6px;
      }

      .hero-left p {
        max-width: 100%;
      }

      .card-badge {

        margin-left: 16px;
      }

      .faq-question {
        font-size: 0.9rem;
        padding: 16px 20px;
      }
    }

    .reveal {
      opacity: 0;
      transform: translateY(28px);
      transition: opacity 0.6s ease, transform 0.6s ease;
    }

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

    .link-button {
      background: none;
      border: none;
      color: var(--accent);
      font-weight: 600;
      cursor: pointer;
    }