/* ===========================================================
   DHANPAL INSURANCE BROKING — Premium One-Page Stylesheet
   =========================================================== */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Plus Jakarta Sans', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: .25s ease; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; }

/* ---------- Tokens ---------- */
:root{
  --brand-1:#0a3d91;       /* deep navy blue */
  --brand-2:#1565ff;       /* bright royal blue */
  --accent:#19c3a1;        /* trust teal */
  --accent-2:#ffb627;      /* gold */
  --ink:#0d1b2a;
  --ink-2:#2d3a4b;
  --muted:#677489;
  --line:#e6ecf3;
  --bg:#f7f9fc;
  --white:#ffffff;
  --grad: linear-gradient(135deg,#0a3d91 0%,#1565ff 55%,#19c3a1 110%);
  --grad-soft: linear-gradient(135deg,rgba(21,101,255,.08),rgba(25,195,161,.08));
  --shadow-sm: 0 4px 14px rgba(13,27,42,.06);
  --shadow-md: 0 14px 35px rgba(13,27,42,.10);
  --shadow-lg: 0 28px 60px rgba(13,27,42,.18);
  --radius-sm: 10px;
  --radius: 18px;
  --radius-lg: 26px;
}

/* ---------- Layout helpers ---------- */
.container { width:min(1240px, 92%); margin-inline:auto; }
.section { padding: clamp(64px, 8vw, 120px) 0; position: relative; }
.section-head { max-width: 760px; margin-bottom: 56px; }
.section-head.center { margin-inline:auto; text-align:center; }
.kicker {
  display:inline-block;
  font-size:.8rem; font-weight:700; letter-spacing:.18em; text-transform:uppercase;
  color:var(--brand-2);
  background:rgba(21,101,255,.08);
  padding:6px 14px; border-radius: 999px;
  margin-bottom:14px;
}
h1, h2, h3, h4, h5 { font-family:'Sora', sans-serif; color:var(--ink); line-height:1.15; }
h1 { font-size: clamp(2.3rem, 4.6vw, 4rem); font-weight:800; letter-spacing:-0.02em; }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.6rem); font-weight:800; margin-bottom:14px; letter-spacing:-0.01em; }
h3 { font-size: 1.2rem; font-weight:700; }
h4 { font-size: 1.05rem; font-weight:700; }
p  { color: var(--ink-2); }
.lead { font-size: 1.12rem; color:var(--ink-2); }
.grad-text {
  background: var(--grad);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; gap:8px;
  padding: 13px 22px;
  border-radius: 999px;
  font-weight: 700;
  font-size: .95rem;
  transition: all .3s ease;
  white-space:nowrap;
  cursor:pointer;
  border: 2px solid transparent;
}
.btn i { font-size:.95em; }
.btn-primary {
  background: var(--grad);
  color: #fff;
  box-shadow: 0 14px 30px rgba(21,101,255,.35);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 18px 35px rgba(21,101,255,.45); }
.btn-outline {
  background:#fff; color: var(--brand-1);
  border-color: rgba(10,61,145,.18);
}
.btn-outline:hover { border-color: var(--brand-2); color: var(--brand-2); transform: translateY(-2px); }
.btn-ghost {
  background: rgba(255,255,255,.08); color:#fff; border-color: rgba(255,255,255,.22);
  backdrop-filter: blur(6px);
}
.btn-ghost:hover { background: rgba(255,255,255,.18); transform: translateY(-2px); }
.btn-white { background:#fff; color: var(--brand-1); }
.btn-white:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-dark { background: var(--ink); color:#fff; }
.btn-dark:hover { background: var(--brand-1); transform: translateY(-2px); }
.btn-block { width:100%; justify-content:center; padding:15px 22px; }

/* ---------- Topbar ---------- */
.topbar {
  background: linear-gradient(90deg,#06245a, #0a3d91 60%, #1565ff);
  color:#cfe0ff;
  font-size:.85rem;
}
.topbar-inner {
  display:flex; justify-content:space-between; align-items:center;
  padding: 9px 0;
  gap: 16px;
  flex-wrap:wrap;
}
.topbar-left, .topbar-right { display:flex; gap:18px; flex-wrap:wrap; }
.topbar a { color:#cfe0ff; }
.topbar a:hover { color:#fff; }
.topbar .dot { opacity:.6; }
.topbar i { margin-right:6px; color: var(--accent-2); }

/* ---------- Header / Nav ---------- */
.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.78);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(13,27,42,.06);
  transition: all .35s ease;
}
.header.scrolled {
  background: rgba(255,255,255,.92);
  box-shadow: 0 8px 30px rgba(13,27,42,.07);
}
.nav-inner {
  display:flex; align-items:center; justify-content:space-between;
  padding: 14px 0;
  gap: 16px;
}
.logo { display:flex; align-items:center; gap:12px; }
.logo-mark {
  width: 46px; height: 46px;
  display:grid; place-items:center;
  background: var(--grad);
  color:#fff; border-radius: 14px;
  font-size: 1.25rem;
  box-shadow: 0 10px 22px rgba(21,101,255,.35);
}
.logo-text strong {
  display:block;
  font-family:'Sora', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--brand-1);
  letter-spacing:.04em;
}
.logo-text small { display:block; font-size:.72rem; color: var(--muted); letter-spacing:.04em; }

.nav { display:flex; gap: 8px; }
.nav a {
  padding: 9px 14px;
  border-radius: 999px;
  font-weight: 600;
  font-size: .92rem;
  color: var(--ink-2);
}
.nav a:hover, .nav a.active { background: var(--grad-soft); color: var(--brand-2); }

.nav-cta { padding: 11px 18px; font-size:.9rem; }

.hamburger { display:none; flex-direction:column; gap:5px; padding:8px; }
.hamburger span {
  width: 26px; height:3px; background: var(--brand-1); border-radius: 3px;
  transition: .3s ease;
}
.hamburger.open span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background: radial-gradient(120% 80% at 80% 0%, #e8f0ff 0%, #f7f9fc 60%);
  padding: clamp(60px, 8vw, 100px) 0 90px;
}
.hero-bg { position:absolute; inset:0; pointer-events:none; }
.blob {
  position:absolute;
  border-radius:50%;
  filter: blur(60px);
  opacity:.55;
  animation: float 12s ease-in-out infinite;
}
.blob-1 { width:480px; height:480px; background:#7aa4ff; top:-180px; right:-120px; }
.blob-2 { width:380px; height:380px; background:#19c3a1; bottom:-160px; left:-100px; animation-delay:-4s; }
.blob-3 { width:300px; height:300px; background:#ffd989; top:50%; left:45%; animation-delay:-8s; opacity:.35; }
.grid-overlay {
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(10,61,145,.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(10,61,145,.05) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse at center, #000 0%, transparent 75%);
}

@keyframes float {
  0%,100% { transform: translateY(0) translateX(0); }
  50% { transform: translateY(-30px) translateX(20px); }
}

.hero-inner {
  position: relative; z-index: 2;
  display:grid; grid-template-columns: 1.15fr .85fr;
  gap: clamp(28px, 4vw, 60px);
  align-items:center;
}

.chip {
  display:inline-flex; align-items:center; gap:10px;
  padding: 7px 14px; border-radius:999px;
  background:#fff; border:1px solid var(--line);
  font-size:.82rem; font-weight:600; color: var(--ink-2);
  box-shadow: var(--shadow-sm);
  margin-bottom: 22px;
}
.pulse {
  width:10px; height:10px; border-radius:50%;
  background: var(--accent);
  box-shadow: 0 0 0 0 rgba(25,195,161,.6);
  animation: pulse 1.6s infinite;
}
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(25,195,161,.6); }
  70% { box-shadow: 0 0 0 12px rgba(25,195,161,0); }
  100% { box-shadow: 0 0 0 0 rgba(25,195,161,0); }
}

.hero h1 { margin-bottom: 16px; }
.hero .lead { max-width: 560px; margin-bottom: 22px; }

.hero-highlights {
  display:grid; grid-template-columns: repeat(2, minmax(0,1fr));
  gap: 10px 18px; max-width:560px; margin-bottom: 28px;
}
.hero-highlights li {
  display:flex; gap:8px; align-items:center;
  font-weight: 600; color: var(--ink-2); font-size:.93rem;
}
.hero-highlights i { color: var(--accent); }

.hero-cta { display:flex; gap:12px; flex-wrap:wrap; margin-bottom: 38px; }
.hero-cta .btn-ghost { background: rgba(10,61,145,.08); color: var(--brand-1); border-color: transparent; }
.hero-cta .btn-ghost:hover { background: rgba(10,61,145,.14); }

.hero-stats {
  display:grid; grid-template-columns: repeat(4, minmax(0,1fr));
  gap: 16px; max-width: 620px;
}
.hero-stats > div {
  background:#fff; border:1px solid var(--line);
  border-radius: var(--radius);
  padding: 14px 16px;
  text-align:center;
  box-shadow: var(--shadow-sm);
}
.hero-stats strong {
  display:block; font-family:'Sora'; font-size: 1.45rem;
  background: var(--grad);
  -webkit-background-clip:text; -webkit-text-fill-color:transparent;
  background-clip:text;
}
.hero-stats span { font-size:.78rem; color: var(--muted); font-weight:600; }

/* hero visual */
.hero-visual { position:relative; min-height: 460px; }
.glass-card {
  position:relative;
  background: linear-gradient(160deg, rgba(255,255,255,.85), rgba(255,255,255,.65));
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border: 1px solid rgba(255,255,255,.7);
  border-radius: 28px;
  box-shadow: var(--shadow-lg);
  padding: 28px;
  width: 100%; max-width: 420px;
  margin-left:auto;
}
.card-main { transform: rotate(-2deg); }
.card-head { display:flex; align-items:center; justify-content:space-between; margin-bottom: 18px; }
.badge {
  display:inline-flex; align-items:center; gap:6px;
  padding: 6px 12px; border-radius:999px;
  background: var(--grad); color:#fff; font-size:.75rem; font-weight:700;
}
.card-icon {
  width:46px; height:46px; display:grid; place-items:center;
  background: rgba(21,101,255,.1); color: var(--brand-2);
  border-radius: 14px; font-size:1.3rem;
}
.glass-card h3 { font-size: 1.4rem; margin-bottom: 6px; }
.glass-card > p { font-weight:600; color: var(--muted); margin-bottom:18px; }
.meter {
  height:8px; background:#eef2f8; border-radius:999px; overflow:hidden; margin-bottom: 18px;
}
.meter-fill {
  width: 84%; height: 100%; background: var(--grad);
  border-radius: 999px;
  animation: fill 2s ease forwards;
}
@keyframes fill { from { width: 0; } }
.card-foot { display:flex; justify-content:space-between; font-size:.85rem; font-weight:600; color: var(--ink-2); }
.card-foot i { color: var(--accent-2); margin-right:4px; }

.floating-tile {
  position:absolute;
  background:#fff; border:1px solid var(--line);
  border-radius: 14px;
  padding: 10px 14px;
  display:flex; align-items:center; gap:10px;
  box-shadow: var(--shadow-md);
  font-size:.85rem;
  animation: floatUp 6s ease-in-out infinite;
}
.floating-tile i {
  width: 38px; height: 38px;
  display:grid; place-items:center;
  background: var(--grad-soft);
  color: var(--brand-2);
  border-radius: 10px;
  font-size: 1.1rem;
}
.floating-tile b { display:block; font-family:'Sora'; font-size:.92rem; }
.floating-tile small { display:block; color: var(--muted); font-size:.72rem; }
.tile-1 { top: 10%; left: -10px; animation-delay: -1s; }
.tile-2 { top: 30%; right: -20px; animation-delay: -3s; }
.tile-3 { bottom: 18%; left: 10px; animation-delay: -5s; }
.tile-4 { bottom: 4%; right: 5%; animation-delay: -2s; }

@keyframes floatUp {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

.scroll-down {
  position:absolute; bottom: 18px; left:50%; transform:translateX(-50%);
  width:26px; height:42px; border:2px solid var(--brand-2);
  border-radius: 30px;
}
.scroll-down span {
  display:block; width:4px; height:8px; background: var(--brand-2);
  border-radius:4px; margin: 6px auto;
  animation: scrolldown 1.6s infinite;
}
@keyframes scrolldown {
  0% { opacity: 0; transform: translateY(0); }
  40% { opacity: 1; }
  100% { opacity: 0; transform: translateY(14px); }
}

/* ---------- Trust strip ---------- */
.trust-strip {
  background: var(--ink);
  color:#cfe0ff;
}
.trust-inner {
  display:flex; flex-wrap:wrap; justify-content:space-around; align-items:center; gap:14px;
  padding: 18px 0;
  font-weight:600; font-size:.92rem;
}
.trust-inner i { color: var(--accent-2); margin-right:6px; }

/* ---------- About ---------- */
.about-inner {
  display:grid; grid-template-columns: 1fr 1.1fr;
  gap: 60px; align-items:center;
}
.about-stack {
  display:grid; gap: 22px;
}
.stack-card {
  background:#fff; padding: 26px; border-radius: var(--radius);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
  position:relative; overflow:hidden;
  transform: rotate(-1deg);
  transition: .35s ease;
}
.stack-card.alt { transform: rotate(1deg) translateX(20px); background: linear-gradient(135deg, var(--brand-1), var(--brand-2)); color:#fff; border-color: transparent; }
.stack-card.alt h4, .stack-card.alt p { color:#fff; }
.stack-card.alt i { color:#fff; background: rgba(255,255,255,.15); }
.stack-card:hover { transform: rotate(0) translateY(-4px); box-shadow: var(--shadow-md); }
.stack-card i {
  display:inline-grid; place-items:center;
  width: 50px; height:50px;
  background: var(--grad-soft); color: var(--brand-2);
  border-radius: 14px; font-size: 1.3rem;
  margin-bottom: 14px;
}
.stack-card h4 { margin-bottom: 6px; }
.stack-card p { font-size: .93rem; color: var(--muted); }

.about-list {
  display:grid; gap: 10px;
  margin: 22px 0 26px;
}
.about-list li {
  display:flex; align-items:center; gap: 10px;
  font-weight: 600; color: var(--ink-2);
}
.about-list i {
  width: 24px; height:24px; display:grid; place-items:center;
  background: var(--grad); color:#fff;
  border-radius: 50%; font-size:.7rem;
}

.about-meta {
  display:grid; grid-template-columns: 1fr 1fr; gap: 14px;
  padding: 18px; background:#fff; border:1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow-sm);
}
.about-meta strong { display:block; font-size:.78rem; color: var(--muted); text-transform:uppercase; letter-spacing:.1em; }
.about-meta span { display:block; font-weight: 700; color: var(--brand-1); margin-top:2px; font-size:.95rem; }

/* ---------- Services ---------- */
.services { background: linear-gradient(180deg, #f7f9fc, #eef2f8); }

.tabs {
  display:flex; flex-wrap:wrap; gap:10px; justify-content:center;
  margin-bottom: 36px;
}
.tab {
  padding: 10px 18px;
  border-radius: 999px;
  background:#fff;
  font-weight:600; font-size:.9rem;
  color: var(--ink-2);
  border: 1px solid var(--line);
  transition: .25s ease;
  display:inline-flex; align-items:center; gap:8px;
}
.tab:hover { border-color: var(--brand-2); color: var(--brand-2); }
.tab.active { background: var(--grad); color:#fff; border-color: transparent; box-shadow: 0 10px 24px rgba(21,101,255,.3); }
.tab i { font-size:.95em; }

.service-grid {
  display:grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 22px;
}
.service-card {
  background:#fff; padding: 26px;
  border-radius: var(--radius); border:1px solid var(--line);
  position:relative; overflow:hidden;
  transition: all .35s ease;
  display:flex; flex-direction:column;
}
.service-card::before {
  content:""; position:absolute; inset:0;
  background: linear-gradient(180deg, transparent 60%, rgba(21,101,255,.04));
  opacity:0; transition: .35s ease;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(21,101,255,.25);
}
.service-card:hover::before { opacity: 1; }
.service-card.hide { display:none; }

.ic {
  width: 56px; height:56px; display:grid; place-items:center;
  border-radius: 16px; color:#fff; font-size:1.3rem;
  margin-bottom: 16px;
  box-shadow: 0 10px 22px rgba(21,101,255,.25);
}
.ic-1 { background: linear-gradient(135deg,#1565ff,#19c3a1); }
.ic-2 { background: linear-gradient(135deg,#ff6b9b,#ff4e2a); }
.ic-3 { background: linear-gradient(135deg,#7c3aed,#1565ff); }
.ic-4 { background: linear-gradient(135deg,#19c3a1,#0a3d91); }
.ic-5 { background: linear-gradient(135deg,#ffb627,#ff6b35); }
.ic-6 { background: linear-gradient(135deg,#1d4ed8,#0891b2); }
.ic-7 { background: linear-gradient(135deg,#e11d48,#7c3aed); }
.ic-8 { background: linear-gradient(135deg,#059669,#0a3d91); }
.ic-9 { background: linear-gradient(135deg,#7c3aed,#ec4899); }
.ic-10 { background: linear-gradient(135deg,#f59e0b,#ef4444); }

.service-card h3 { margin-bottom: 6px; }
.service-card > p { font-size:.93rem; color: var(--muted); margin-bottom: 14px; }
.service-card ul { display:grid; gap:6px; margin-bottom: 18px; }
.service-card ul li {
  position:relative; padding-left: 20px;
  font-size:.88rem; color: var(--ink-2); font-weight:500;
}
.service-card ul li::before {
  content: "\f00c";
  font-family: "Font Awesome 6 Free"; font-weight:900;
  position:absolute; left:0; top:0;
  color: var(--accent); font-size:.78rem;
}
.card-link {
  margin-top: auto;
  display:inline-flex; align-items:center; gap:6px;
  font-weight: 700; color: var(--brand-2); font-size:.92rem;
}
.card-link i { transition: transform .25s ease; }
.card-link:hover i { transform: translateX(4px); }

/* ---------- Why Us ---------- */
.why { position:relative; }
.why::before {
  content:""; position:absolute; inset:0;
  background: radial-gradient(60% 50% at 50% 0%, rgba(21,101,255,.05), transparent 60%);
}
.why-grid {
  position:relative;
  display:grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 20px;
}
.why-card {
  background:#fff; padding: 26px;
  border-radius: var(--radius);
  border: 1px solid var(--line);
  text-align:center;
  transition: .3s ease;
  position:relative; overflow:hidden;
}
.why-card::before {
  content:""; position:absolute; inset:0;
  background: var(--grad); opacity: 0;
  transition: .35s ease;
}
.why-card > * { position:relative; z-index:1; transition: .3s ease; }
.why-card i {
  display:inline-grid; place-items:center;
  width:60px; height:60px;
  background: var(--grad-soft); color: var(--brand-2);
  border-radius: 18px; font-size: 1.5rem;
  margin-bottom: 14px;
  transition:.35s ease;
}
.why-card h4 { margin-bottom: 6px; }
.why-card p { font-size:.9rem; color: var(--muted); }
.why-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.why-card:hover::before { opacity: 1; }
.why-card:hover i, .why-card:hover h4, .why-card:hover p { color: #fff; }
.why-card:hover i { background: rgba(255,255,255,.18); }

/* ---------- Tax ---------- */
.tax { background: linear-gradient(135deg,#0a3d91 0%,#1565ff 60%, #19c3a1 100%); color:#fff; position:relative; overflow:hidden; }
.tax::before {
  content:""; position:absolute; inset:0;
  background-image:
    radial-gradient(circle at 20% 30%, rgba(255,255,255,.12), transparent 30%),
    radial-gradient(circle at 80% 70%, rgba(255,255,255,.10), transparent 30%);
}
.tax-inner {
  position:relative; z-index:1;
  display:grid; grid-template-columns: 1.2fr .8fr;
  gap: 60px; align-items:center;
}
.tax .kicker { background: rgba(255,255,255,.15); color:#fff; }
.tax h2, .tax p { color:#fff; }
.tax h2 .grad-text { background: linear-gradient(135deg,#ffd989,#ffb627); -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent; }
.tax > .container > .tax-content > p { opacity:.9; }
.tax-content > p { color: rgba(255,255,255,.85); }

.tax-cards { display:grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 26px 0 18px; }
.tax-card {
  background: rgba(255,255,255,.1);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.2);
  padding: 22px; border-radius: var(--radius);
}
.tax-badge {
  display:inline-block; padding: 5px 12px; border-radius:999px;
  background: var(--accent-2); color: var(--ink);
  font-size:.75rem; font-weight:700;
  margin-bottom: 10px;
}
.tax-badge.alt { background: var(--accent); color:#fff; }
.tax-card h4 { color:#fff; margin-bottom: 10px; }
.tax-card ul { display:grid; gap:6px; }
.tax-card li { font-size:.88rem; color: rgba(255,255,255,.85); padding-left: 20px; position:relative; }
.tax-card li::before { content:"\f00c"; font-family:"Font Awesome 6 Free"; font-weight:900; position:absolute; left:0; color: var(--accent-2); font-size:.78rem; top:3px; }
.disclaimer { font-size:.82rem; color: rgba(255,255,255,.7); }
.disclaimer i { color: var(--accent-2); margin-right:6px; }

.tax-visual { display:grid; place-items:center; }
.tax-orbit {
  position:relative;
  width: 340px; height: 340px;
  max-width: 80vw;
}
.orbit-core {
  position:absolute; inset:0; margin:auto;
  width: 130px; height:130px; border-radius:50%;
  background: #fff; color: var(--brand-1);
  display:grid; place-items:center;
  font-size: 3rem;
  box-shadow: 0 25px 60px rgba(0,0,0,.3);
}
.tax-orbit::before, .tax-orbit::after {
  content:""; position:absolute; inset:0;
  border: 1.5px dashed rgba(255,255,255,.35);
  border-radius:50%;
  animation: spin 20s linear infinite;
}
.tax-orbit::after { inset: 40px; animation-duration: 14s; animation-direction: reverse; }
@keyframes spin { to { transform: rotate(360deg); } }

.orbit-item {
  position:absolute;
  width:60px; height:60px; border-radius:50%;
  background:#fff; color: var(--brand-2);
  display:grid; place-items:center;
  font-size: 1.4rem;
  box-shadow: 0 10px 25px rgba(0,0,0,.25);
}
.o1 { top:0; left:50%; transform: translateX(-50%); }
.o2 { top:50%; right:0; transform: translateY(-50%); }
.o3 { bottom:0; left:50%; transform: translateX(-50%); }
.o4 { top:50%; left:0; transform: translateY(-50%); }

/* ---------- Claim Timeline ---------- */
.claim { background: var(--bg); }
.timeline {
  display:grid; grid-template-columns: repeat(5, minmax(0,1fr));
  gap: 22px; position:relative;
}
.timeline::before {
  content:""; position:absolute; top: 38px; left: 8%; right: 8%;
  height: 3px;
  background: linear-gradient(90deg, var(--brand-2), var(--accent));
  border-radius: 999px;
  z-index: 0;
}
.step {
  background:#fff; border:1px solid var(--line); border-radius: var(--radius);
  padding: 26px 18px 22px; text-align:center;
  position:relative; z-index:1;
  box-shadow: var(--shadow-sm);
  transition: .3s ease;
}
.step:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.step .num {
  width: 44px; height:44px; border-radius:50%;
  background: var(--grad); color:#fff;
  display:grid; place-items:center;
  font-family:'Sora'; font-weight:700; font-size: 1.1rem;
  margin: 0 auto 14px;
  box-shadow: 0 8px 20px rgba(21,101,255,.4);
}
.step i { color: var(--brand-2); font-size: 1.6rem; margin-bottom: 8px; display:block; }
.step h4 { margin-bottom: 6px; font-size:.98rem; }
.step p { font-size:.85rem; color: var(--muted); }

/* ---------- FAQ ---------- */
.faq { background: linear-gradient(180deg,#eef2f8, #f7f9fc); }
.faq-inner {
  display:grid; grid-template-columns: .9fr 1.1fr;
  gap: 50px; align-items:start;
}
.faq-head { position: sticky; top: 100px; }
.faq-illu {
  margin-top: 20px;
  width: 160px; height:160px;
  display:grid; place-items:center;
  font-size: 4rem; color: var(--brand-2);
  background: var(--grad-soft); border-radius: 30px;
}

.faq-list { display:grid; gap: 12px; }
.faq-list details {
  background:#fff; border:1px solid var(--line);
  border-radius: var(--radius); padding: 4px 22px;
  transition: .25s ease;
}
.faq-list details[open] { border-color: rgba(21,101,255,.3); box-shadow: var(--shadow-sm); }
.faq-list summary {
  list-style:none; cursor: pointer;
  padding: 18px 0;
  font-weight: 700; font-family:'Sora';
  color: var(--ink);
  display:flex; justify-content:space-between; align-items:center;
  gap: 16px;
}
.faq-list summary::-webkit-details-marker { display:none; }
.faq-list summary i {
  width:34px; height:34px;
  display:grid; place-items:center;
  background: var(--grad-soft); color: var(--brand-2);
  border-radius: 50%; font-size:.85rem;
  transition: .25s ease;
}
.faq-list details[open] summary i { transform: rotate(45deg); background: var(--grad); color:#fff; }
.faq-list details p { padding: 0 0 18px; color: var(--ink-2); font-size:.95rem; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(135deg, var(--ink) 0%, #1a2a44 60%, var(--brand-1) 100%);
  color:#fff; padding: 60px 0;
  position:relative; overflow:hidden;
}
.cta-band::before {
  content:""; position:absolute; inset:0;
  background:
    radial-gradient(circle at 90% 20%, rgba(255,182,39,.25), transparent 30%),
    radial-gradient(circle at 10% 80%, rgba(25,195,161,.25), transparent 30%);
}
.cta-inner {
  position:relative;
  display:flex; align-items:center; justify-content:space-between;
  gap: 30px; flex-wrap: wrap;
}
.cta-inner h2 { color:#fff; margin-bottom:6px; }
.cta-inner p { color: rgba(255,255,255,.8); }
.cta-buttons { display:flex; gap:12px; flex-wrap:wrap; }

/* ---------- Contact ---------- */
.contact { background: var(--bg); }
.contact-inner {
  display:grid; grid-template-columns: 1fr 1.1fr;
  gap: 50px; align-items:start;
}
.info-card {
  display:flex; gap:14px; align-items:flex-start;
  background:#fff; border:1px solid var(--line);
  padding: 18px; border-radius: var(--radius);
  margin-bottom: 14px;
  box-shadow: var(--shadow-sm);
  transition: .25s ease;
}
.info-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: rgba(21,101,255,.25); }
.info-icon {
  width: 46px; height:46px; flex: 0 0 46px;
  border-radius: 14px;
  background: var(--grad); color:#fff;
  display:grid; place-items:center; font-size: 1.1rem;
  box-shadow: 0 8px 20px rgba(21,101,255,.3);
}
.info-card h4 { margin-bottom: 2px; font-size:.98rem; }
.info-card p { font-size:.92rem; color: var(--ink-2); }
.info-card a:hover { color: var(--brand-2); }

.socials { display:flex; gap:10px; margin-top: 18px; }
.socials a {
  width: 40px; height:40px; border-radius:50%;
  display:grid; place-items:center;
  background:#fff; color: var(--brand-1);
  border: 1px solid var(--line);
  transition: .25s ease;
}
.socials a:hover { background: var(--grad); color:#fff; border-color: transparent; transform: translateY(-2px); }

.contact-form {
  background:#fff; border:1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
  position:relative; overflow:hidden;
}
.contact-form::before {
  content:""; position:absolute; top:-50px; right:-50px;
  width: 200px; height: 200px;
  background: var(--grad);
  border-radius:50%; opacity:.08;
}
.contact-form h3 { font-size: 1.4rem; margin-bottom: 4px; position:relative; }
.form-sub { color: var(--muted); margin-bottom: 22px; font-size:.92rem; position:relative; }
.row { display:grid; grid-template-columns: 1fr 1fr; gap:14px; }
.field { margin-bottom: 14px; position:relative; }
.field label {
  display:block; font-size:.85rem; font-weight: 700; color: var(--ink-2);
  margin-bottom: 6px;
}
.field input, .field select, .field textarea {
  width:100%; padding: 13px 14px;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  font-size:.95rem;
  color: var(--ink);
  background:#f9fbff;
  transition:.2s ease;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline:none; border-color: var(--brand-2);
  background:#fff;
  box-shadow: 0 0 0 4px rgba(21,101,255,.12);
}
.field textarea { resize: vertical; }
.form-note { font-size:.78rem; color: var(--muted); text-align:center; margin-top: 10px; }
.form-note i { color: var(--accent); margin-right:5px; }

/* ---------- Footer ---------- */
.footer {
  background: linear-gradient(180deg, #0c1a30, #06122a);
  color:#cfd9ea;
  padding-top: 70px;
}
.logo-light .logo-text strong { color:#fff; }
.logo-light .logo-text small { color:#8aa0c1; }
.footer-grid {
  display:grid; grid-template-columns: 1.4fr 1fr 1fr 1.4fr;
  gap: 36px;
  padding-bottom: 50px;
}
.footer-grid p { color:#a9b7cf; font-size:.92rem; margin: 14px 0; }
.footer-grid h5 {
  color:#fff; font-family:'Sora';
  font-size: 1rem; margin-bottom: 16px;
}
.footer-grid ul { display:grid; gap:8px; }
.footer-grid ul a {
  color:#a9b7cf; font-size:.92rem;
  transition: .2s ease;
}
.footer-grid ul a:hover { color: var(--accent-2); padding-left:5px; }
.footer-grid i { color: var(--accent-2); margin-right: 6px; }
.footer .socials a {
  background: rgba(255,255,255,.06); color:#fff; border-color: rgba(255,255,255,.1);
}

.disclaimer-band {
  background: rgba(0,0,0,.25);
  padding: 22px 0;
  font-size:.82rem;
  color:#a9b7cf;
}
.disclaimer-band strong { color:#fff; }

.copyright {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 18px 0;
  font-size:.85rem;
}
.copyright .container {
  display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:8px;
}
.copyright i { color:#ef4444; }

/* ---------- Floating actions ---------- */
.float-whatsapp, .float-call, .back-top {
  position: fixed; right: 22px;
  width: 52px; height:52px; border-radius:50%;
  display:grid; place-items:center;
  color:#fff; font-size: 1.1rem;
  z-index: 60;
  box-shadow: 0 14px 30px rgba(0,0,0,.25);
  transition: .25s ease;
}
.float-whatsapp { bottom: 24px; background: #25d366; }
.float-call { bottom: 86px; background: var(--brand-2); }
.back-top {
  bottom: 148px; background: var(--ink); opacity: 0; pointer-events:none;
}
.back-top.show { opacity: 1; pointer-events:auto; }
.float-whatsapp:hover, .float-call:hover, .back-top:hover { transform: translateY(-3px); }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ===========================================================
   Responsive
   =========================================================== */

@media (max-width: 1080px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { min-height: 380px; margin-top: 30px; }
  .glass-card { margin: 0 auto; }
  .about-inner { grid-template-columns: 1fr; }
  .tax-inner { grid-template-columns: 1fr; }
  .faq-inner { grid-template-columns: 1fr; }
  .faq-head { position: static; }
  .contact-inner { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .timeline { grid-template-columns: repeat(2, 1fr); }
  .timeline::before { display:none; }
}

@media (max-width: 880px) {
  .nav { display:none; }
  .nav.show {
    display:flex; flex-direction:column;
    position: absolute; top: 100%; left: 0; right: 0;
    background:#fff; padding: 16px 22px;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md);
    gap: 4px;
  }
  .nav.show a { padding: 12px 14px; }
  .nav-cta { display:none; }
  .hamburger { display:flex; }
  .header { position: sticky; }
  .nav-inner { position: relative; }

  .topbar-inner { justify-content:center; text-align:center; font-size:.78rem; }
  .topbar-left .dot { display:none; }

  .hero-stats { grid-template-columns: repeat(2, 1fr); }
  .hero-highlights { grid-template-columns: 1fr; }

  .tax-cards { grid-template-columns: 1fr; }

  .timeline { grid-template-columns: 1fr; }
  .row { grid-template-columns: 1fr; }
  .contact-form { padding: 24px; }

  .cta-inner { text-align:center; justify-content:center; }
  .cta-buttons { justify-content:center; }

  .footer-grid { grid-template-columns: 1fr; }
  .copyright .container { justify-content:center; text-align:center; }
}

@media (max-width: 480px) {
  .hero { padding-top: 30px; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .floating-tile { font-size: .75rem; padding: 8px 10px; }
  .floating-tile i { width: 32px; height:32px; font-size: .95rem; }
  .glass-card { padding: 22px; }
  .float-whatsapp, .float-call, .back-top { width: 46px; height:46px; right: 14px; }
  .float-call { bottom: 74px; }
  .back-top { bottom: 128px; }
  .logo-text strong { font-size: .95rem; }
  .logo-text small { font-size: .65rem; }
}