/* ============================================
   Wealth Insight Pros - Premium Finance & Wealth
   External Stylesheet - Light Theme
   ============================================ */

/* ---------- CSS Variables ---------- */
:root {
    --dark: #111111;
    --gold: #E8C999;
    --gold-light: #f0d9b5;
    --gold-dark: #c9a86c;
    --light: #FAFAFA;
    --white: #FFFFFF;
    --gray-100: #f7f7f7;
    --gray-200: #eeeeee;
    --gray-300: #dddddd;
    --gray-400: #bbbbbb;
    --gray-500: #888888;
    --gray-600: #666666;
    --gray-700: #444444;
    --radius-sm: 12px;
    --radius-md: 20px;
    --radius-lg: 28px;
    --radius-xl: 36px;
    --shadow-sm: 0 2px 10px rgba(0,0,0,0.06);
    --shadow-md: 0 8px 30px rgba(0,0,0,0.08);
    --shadow-lg: 0 20px 60px rgba(0,0,0,0.12);
    --shadow-gold: 0 8px 30px rgba(232,201,153,0.25);
    --transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
    --font-heading: 'Playfair Display', Georgia, serif;
    --font-body: 'Lato', 'Segoe UI', sans-serif;
}

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 90px;
}

body {
    font-family: var(--font-body);
    font-size: 18px;
    line-height: 1.7;
    color: var(--gray-700);
    background-color: var(--light);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

ul, ol { list-style: none; }

img {
    max-width: 100%;
    height: auto;
    display: block;
}

button, input, textarea, select {
    font-family: var(--font-body);
    font-size: 16px;
    border: none;
    outline: none;
    background: none;
}

button { cursor: pointer; }

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--dark);
    line-height: 1.2;
    font-weight: 700;
}

h1 { font-size: 70px; letter-spacing: -1px; }
h2 { font-size: 52px; letter-spacing: -0.5px; }
h3 { font-size: 36px; }
h4 { font-size: 26px; }
h5 { font-size: 22px; }
h6 { font-size: 18px; }

p { margin-bottom: 16px; }

.section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-body);
    font-size: 14px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 3px;
    color: var(--gold-dark);
    margin-bottom: 16px;
}

.section-label::before {
    content: '';
    width: 32px;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    border-radius: 2px;
}

.section-title {
    margin-bottom: 20px;
}

.section-desc {
    font-size: 18px;
    color: var(--gray-600);
    max-width: 640px;
    line-height: 1.8;
}

.text-center { text-align: center; }
.text-center .section-desc { margin-left: auto; margin-right: auto; }

.gold-text { color: var(--gold-dark); }
.dark-text { color: var(--dark); }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 16px 36px;
    font-family: var(--font-body);
    font-size: 16px;
    font-weight: 700;
    letter-spacing: 0.5px;
    border-radius: var(--radius-sm);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.btn::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
    transition: left 0.5s;
}

.btn:hover::before { left: 100%; }

.btn-gold {
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    color: var(--dark);
    box-shadow: var(--shadow-gold);
}

.btn-gold:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 40px rgba(232,201,153,0.4);
}

.btn-dark {
    background: var(--dark);
    color: var(--white);
    box-shadow: var(--shadow-md);
}

.btn-dark:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-outline {
    border: 2px solid var(--gold);
    color: var(--gold-dark);
}

.btn-outline:hover {
    background: var(--gold);
    color: var(--dark);
}

.btn-white {
    background: var(--white);
    color: var(--dark);
    box-shadow: var(--shadow-sm);
}

.btn-white:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn-sm {
    padding: 12px 24px;
    font-size: 14px;
}

.btn-lg {
    padding: 20px 48px;
    font-size: 18px;
    border-radius: var(--radius-md);
}

/* ---------- Navigation ---------- */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    padding: 0;
    transition: var(--transition);
}

.navbar.scrolled {
    background: rgba(17, 17, 17, 0.97);
    backdrop-filter: blur(20px);
    box-shadow: 0 4px 30px rgba(0,0,0,0.15);
}

.navbar .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 700;
    color: var(--white);
}

.nav-logo .logo-icon {
    width: 42px;
    height: 42px;
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--dark);
    font-size: 20px;
}

.nav-logo span { color: var(--gold); }

.nav-menu {
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-menu a {
    padding: 8px 16px;
    color: rgba(255,255,255,0.8);
    font-size: 15px;
    font-weight: 600;
    border-radius: 8px;
    position: relative;
}

.nav-menu a:hover,
.nav-menu a.active {
    color: var(--gold);
}

.nav-menu a.active::after {
    content: '';
    position: absolute;
    bottom: 2px;
    left: 16px;
    right: 16px;
    height: 2px;
    background: var(--gold);
    border-radius: 2px;
}

.nav-cta {
    margin-left: 12px;
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 8px;
    cursor: pointer;
    z-index: 1001;
}

.nav-toggle span {
    width: 26px;
    height: 2.5px;
    background: var(--white);
    border-radius: 4px;
    transition: var(--transition);
}

.nav-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.nav-toggle.active span:nth-child(2) {
    opacity: 0;
}

.nav-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* ---------- Hero Section ---------- */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background: var(--dark);
    padding: 120px 0 80px;
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background: url('https://images.pexels.com/photos/5380642/pexels-photo-5380642.jpeg?auto=compress&cs=tinysrgb&w=1920') center/cover no-repeat;
    opacity: 0.15;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(17,17,17,0.95) 0%, rgba(17,17,17,0.7) 50%, rgba(17,17,17,0.9) 100%);
}

.hero-orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: 0.4;
    animation: heroFloat 8s ease-in-out infinite;
}

.hero-orb-1 {
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(232,201,153,0.35), transparent 70%);
    top: -100px;
    right: -100px;
    animation-delay: 0s;
}

.hero-orb-2 {
    width: 350px;
    height: 350px;
    background: radial-gradient(circle, rgba(232,201,153,0.2), transparent 70%);
    bottom: -50px;
    left: -80px;
    animation-delay: -3s;
}

.hero-orb-3 {
    width: 200px;
    height: 200px;
    background: radial-gradient(circle, rgba(232,201,153,0.25), transparent 70%);
    top: 40%;
    left: 50%;
    animation-delay: -5s;
}

@keyframes heroFloat {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33% { transform: translate(30px, -20px) scale(1.05); }
    66% { transform: translate(-20px, 15px) scale(0.95); }
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 780px;
}

.hero .section-label {
    color: var(--gold);
    margin-bottom: 24px;
}

.hero .section-label::before {
    background: var(--gold);
}

.hero h1 {
    color: var(--white);
    font-size: 70px;
    line-height: 1.1;
    margin-bottom: 24px;
}

.hero h1 .highlight {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero p {
    font-size: 20px;
    color: rgba(255,255,255,0.7);
    line-height: 1.8;
    margin-bottom: 40px;
    max-width: 600px;
}

.hero-btns {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-stats {
    display: flex;
    gap: 48px;
    margin-top: 60px;
    padding-top: 40px;
    border-top: 1px solid rgba(232,201,153,0.15);
}

.hero-stat h3 {
    font-size: 42px;
    color: var(--gold);
    font-family: var(--font-heading);
}

.hero-stat p {
    font-size: 14px;
    color: rgba(255,255,255,0.5);
    margin-bottom: 0;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-weight: 600;
}

/* Floating geometric shapes */
.hero-shapes {
    position: absolute;
    inset: 0;
    z-index: 1;
    pointer-events: none;
}

.hero-shape {
    position: absolute;
    border: 1px solid rgba(232,201,153,0.12);
    border-radius: var(--radius-md);
    animation: shapeFloat 12s ease-in-out infinite;
}

.hero-shape-1 {
    width: 120px;
    height: 120px;
    top: 15%;
    right: 12%;
    animation-delay: -2s;
}

.hero-shape-2 {
    width: 80px;
    height: 80px;
    bottom: 20%;
    right: 25%;
    border-radius: 50%;
    animation-delay: -5s;
}

.hero-shape-3 {
    width: 60px;
    height: 60px;
    top: 60%;
    right: 8%;
    animation-delay: -8s;
    transform: rotate(45deg);
}

@keyframes shapeFloat {
    0%, 100% { transform: translateY(0) rotate(0deg); opacity: 0.5; }
    50% { transform: translateY(-20px) rotate(10deg); opacity: 1; }
}

/* ---------- Page Header (Inner Pages) ---------- */
.page-header {
    position: relative;
    padding: 160px 0 80px;
    background: var(--dark);
    overflow: hidden;
    text-align: center;
}

.page-header-bg {
    position: absolute;
    inset: 0;
    background: url('https://images.pexels.com/photos/3184291/pexels-photo-3184291.jpeg?auto=compress&cs=tinysrgb&w=1920') center/cover no-repeat;
    opacity: 0.08;
}

.page-header-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(17,17,17,0.97), rgba(17,17,17,0.85));
}

.page-header-orb {
    position: absolute;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232,201,153,0.2), transparent 70%);
    filter: blur(60px);
    top: -100px;
    right: -100px;
}

.page-header .container {
    position: relative;
    z-index: 2;
}

.page-header h1 {
    color: var(--white);
    font-size: 60px;
    margin-bottom: 16px;
}

.page-header p {
    color: rgba(255,255,255,0.6);
    font-size: 20px;
    max-width: 600px;
    margin: 0 auto;
}

.breadcrumb {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-bottom: 24px;
    font-size: 15px;
}

.breadcrumb a {
    color: var(--gold);
}

.breadcrumb span {
    color: rgba(255,255,255,0.4);
}

/* ---------- Sections Common ---------- */
section {
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.section-dark {
    background: var(--dark);
    color: var(--white);
}

.section-dark h2,
.section-dark h3,
.section-dark h4 {
    color: var(--white);
}

.section-dark .section-desc {
    color: rgba(255,255,255,0.6);
}

.section-dark .section-label {
    color: var(--gold);
}

.section-gray {
    background: var(--gray-100);
}

/* Floating elements for light sections */
.section-float-orb {
    position: absolute;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232,201,153,0.08), transparent 70%);
    filter: blur(60px);
    pointer-events: none;
}

/* ---------- About Section ---------- */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.about-image {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.about-image img {
    width: 100%;
    height: 520px;
    object-fit: cover;
    border-radius: var(--radius-lg);
}

.about-image-badge {
    position: absolute;
    bottom: 24px;
    right: 24px;
    background: rgba(17,17,17,0.85);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(232,201,153,0.2);
    border-radius: var(--radius-md);
    padding: 20px 28px;
    color: var(--white);
    text-align: center;
}

.about-image-badge h4 {
    color: var(--gold);
    font-size: 36px;
    margin-bottom: 4px;
}

.about-image-badge p {
    font-size: 13px;
    color: rgba(255,255,255,0.6);
    margin-bottom: 0;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.about-content .section-desc {
    margin-bottom: 32px;
}

.about-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 36px;
}

.about-feature-item {
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    color: var(--dark);
    font-size: 16px;
}

.about-feature-item i {
    color: var(--gold-dark);
    font-size: 18px;
    width: 36px;
    height: 36px;
    background: rgba(232,201,153,0.1);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

/* Vision Mission Values */
.vm-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.vm-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px 32px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-200);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.vm-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0);
    transition: transform 0.4s ease;
    transform-origin: left;
}

.vm-card:hover::before { transform: scaleX(1); }

.vm-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.vm-card .icon-wrap {
    width: 64px;
    height: 64px;
    background: rgba(232,201,153,0.1);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    font-size: 28px;
    color: var(--gold-dark);
}

.vm-card h4 { margin-bottom: 12px; }

.vm-card p {
    color: var(--gray-600);
    font-size: 16px;
    line-height: 1.8;
}

/* Principles */
.principles-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.principle-item {
    text-align: center;
    padding: 32px 20px;
    border-radius: var(--radius-md);
    background: var(--white);
    border: 1px solid var(--gray-200);
    transition: var(--transition);
}

.principle-item:hover {
    border-color: rgba(232,201,153,0.3);
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.principle-item i {
    font-size: 32px;
    color: var(--gold-dark);
    margin-bottom: 16px;
}

.principle-item h5 { margin-bottom: 8px; font-size: 18px; }

.principle-item p {
    font-size: 14px;
    color: var(--gray-500);
    margin-bottom: 0;
}

/* ---------- Milestones / Metrics ---------- */
.metrics-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
}

.metric-card {
    text-align: center;
    padding: 40px 24px;
    background: rgba(255,255,255,0.06);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(232,201,153,0.12);
    border-radius: var(--radius-lg);
    transition: var(--transition);
}

.metric-card:hover {
    background: rgba(255,255,255,0.1);
    border-color: rgba(232,201,153,0.25);
    transform: translateY(-4px);
}

.metric-card .counter {
    font-family: var(--font-heading);
    font-size: 52px;
    font-weight: 700;
    color: var(--gold);
    margin-bottom: 8px;
    line-height: 1;
}

.metric-card p {
    font-size: 15px;
    color: rgba(255,255,255,0.5);
    margin-bottom: 0;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    font-weight: 600;
}

/* ---------- Why Choose Us / Features ---------- */
.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.feature-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 44px 32px;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.feature-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.feature-card:hover::after { transform: scaleX(1); }

.feature-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(232,201,153,0.2);
}

.feature-card .icon-wrap {
    width: 72px;
    height: 72px;
    background: linear-gradient(135deg, rgba(232,201,153,0.15), rgba(232,201,153,0.05));
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 28px;
    font-size: 30px;
    color: var(--gold-dark);
    transition: var(--transition);
}

.feature-card:hover .icon-wrap {
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    color: var(--dark);
}

.feature-card h4 { margin-bottom: 14px; }

.feature-card p {
    color: var(--gray-600);
    font-size: 16px;
    line-height: 1.8;
    margin-bottom: 0;
}

/* ---------- Work Process ---------- */
.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    position: relative;
}

.process-grid::before {
    content: '';
    position: absolute;
    top: 55px;
    left: 12.5%;
    right: 12.5%;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), rgba(232,201,153,0.2));
    z-index: 0;
}

.process-card {
    text-align: center;
    position: relative;
    z-index: 1;
}

.process-step {
    width: 72px;
    height: 72px;
    background: var(--white);
    border: 2px solid var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    font-family: var(--font-heading);
    font-size: 28px;
    font-weight: 700;
    color: var(--gold-dark);
    transition: var(--transition);
}

.process-card:hover .process-step {
    background: var(--gold);
    color: var(--dark);
}

.process-card h4 { margin-bottom: 10px; font-size: 20px; }

.process-card p {
    font-size: 15px;
    color: var(--gray-500);
    margin-bottom: 0;
    line-height: 1.7;
}

/* ---------- Services ---------- */
.services-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.service-card {
    display: grid;
    grid-template-columns: 280px 1fr;
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(232,201,153,0.2);
}

.service-card img {
    width: 100%;
    height: 100%;
    min-height: 280px;
    object-fit: cover;
    transition: transform 0.6s ease;
}

.service-card:hover img {
    transform: scale(1.05);
}

.service-card-body {
    padding: 36px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.service-card-body .icon-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--gold-dark);
    margin-bottom: 12px;
}

.service-card-body h4 {
    margin-bottom: 14px;
    font-size: 24px;
}

.service-card-body p {
    color: var(--gray-600);
    font-size: 15px;
    line-height: 1.8;
    margin-bottom: 20px;
}

.service-card-body .btn { align-self: flex-start; }

/* Service detail for inner pages */
.service-detail {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    padding: 60px 0;
    border-bottom: 1px solid var(--gray-200);
}

.service-detail:last-child { border-bottom: none; }

.service-detail.reverse { direction: rtl; }
.service-detail.reverse > * { direction: ltr; }

.service-detail-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.service-detail-image img {
    width: 100%;
    height: 400px;
    object-fit: cover;
    border-radius: var(--radius-lg);
}

.service-detail-content h3 { margin-bottom: 16px; }

.service-detail-content p {
    color: var(--gray-600);
    margin-bottom: 16px;
}

.service-detail-content ul {
    margin-bottom: 24px;
}

.service-detail-content ul li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 10px;
    color: var(--gray-700);
    font-size: 16px;
}

.service-detail-content ul li i {
    color: var(--gold-dark);
    margin-top: 4px;
    flex-shrink: 0;
}

/* ---------- CTA Sections ---------- */
.cta-section {
    position: relative;
    padding: 100px 0;
    background: var(--dark);
    overflow: hidden;
}

.cta-bg {
    position: absolute;
    inset: 0;
    background: url('https://images.pexels.com/photos/3184291/pexels-photo-3184291.jpeg?auto=compress&cs=tinysrgb&w=1920') center/cover no-repeat;
    opacity: 0.1;
}

.cta-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(17,17,17,0.95), rgba(17,17,17,0.85));
}

.cta-orb-1 {
    position: absolute;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232,201,153,0.2), transparent 70%);
    filter: blur(80px);
    top: -100px;
    left: -100px;
    animation: heroFloat 10s ease-in-out infinite;
}

.cta-orb-2 {
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232,201,153,0.15), transparent 70%);
    filter: blur(60px);
    bottom: -80px;
    right: -60px;
    animation: heroFloat 8s ease-in-out infinite reverse;
}

.cta-content {
    position: relative;
    z-index: 2;
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.cta-content h2 {
    color: var(--white);
    margin-bottom: 20px;
}

.cta-content p {
    color: rgba(255,255,255,0.6);
    font-size: 20px;
    margin-bottom: 36px;
}

.cta-btns {
    display: flex;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
}

/* ---------- Insurance Section ---------- */
.insurance-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.insurance-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    position: relative;
}

.insurance-image img {
    width: 100%;
    height: 480px;
    object-fit: cover;
    border-radius: var(--radius-lg);
}

.insurance-image::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: var(--radius-lg);
    border: 1px solid rgba(232,201,153,0.15);
    pointer-events: none;
}

.insurance-content .section-desc { margin-bottom: 28px; }

.insurance-list {
    margin-bottom: 32px;
}

.insurance-list li {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 14px;
    font-size: 16px;
    color: var(--gray-700);
}

.insurance-list li i {
    color: var(--gold-dark);
    margin-top: 4px;
    flex-shrink: 0;
    font-size: 18px;
}

/* ---------- Pricing Section ---------- */
.pricing-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    align-items: start;
}

.pricing-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 44px 36px;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    position: relative;
}

.pricing-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
}

.pricing-card.featured {
    border-color: var(--gold);
    box-shadow: var(--shadow-gold);
    transform: scale(1.04);
    z-index: 2;
}

.pricing-card.featured:hover {
    transform: scale(1.04) translateY(-6px);
}

.pricing-badge {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    color: var(--dark);
    padding: 6px 24px;
    border-radius: 30px;
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.pricing-card h4 {
    font-size: 24px;
    margin-bottom: 8px;
}

.pricing-card .price-desc {
    color: var(--gray-500);
    font-size: 15px;
    margin-bottom: 24px;
}

.pricing-amount {
    margin-bottom: 32px;
    padding-bottom: 28px;
    border-bottom: 1px solid var(--gray-200);
}

.pricing-amount .currency {
    font-size: 28px;
    font-weight: 700;
    color: var(--dark);
    vertical-align: top;
    line-height: 1;
}

.pricing-amount .amount {
    font-family: var(--font-heading);
    font-size: 56px;
    font-weight: 700;
    color: var(--dark);
    line-height: 1;
}

.pricing-amount .period {
    font-size: 15px;
    color: var(--gray-500);
}

.pricing-features {
    margin-bottom: 32px;
}

.pricing-features li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 14px;
    font-size: 15px;
    color: var(--gray-700);
}

.pricing-features li i {
    color: var(--gold-dark);
    margin-top: 4px;
    flex-shrink: 0;
}

.pricing-features li.disabled {
    color: var(--gray-400);
}

.pricing-features li.disabled i {
    color: var(--gray-300);
}

.pricing-card .btn { width: 100%; }

/* ---------- Forms ---------- */
.form-section {
    background: var(--gray-100);
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: start;
}

.form-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 48px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-200);
}

.form-card h3 { margin-bottom: 8px; }

.form-card > p {
    color: var(--gray-500);
    margin-bottom: 32px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.form-group input,
.form-group textarea,
.form-group select {
    width: 100%;
    padding: 14px 18px;
    background: var(--gray-100);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 16px;
    color: var(--dark);
    transition: var(--transition);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    border-color: var(--gold);
    background: var(--white);
    box-shadow: 0 0 0 4px rgba(232,201,153,0.1);
}

.form-group textarea {
    height: 130px;
    resize: vertical;
}

.form-group select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23888' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    cursor: pointer;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-info {
    padding: 20px 0;
}

.form-info-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 28px;
}

.form-info-item .icon-box {
    width: 52px;
    height: 52px;
    background: rgba(232,201,153,0.1);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    color: var(--gold-dark);
    flex-shrink: 0;
}

.form-info-item h5 {
    font-size: 16px;
    margin-bottom: 4px;
    font-family: var(--font-body);
    font-weight: 700;
}

.form-info-item p {
    font-size: 15px;
    color: var(--gray-500);
    margin-bottom: 0;
}

.form-info-item a {
    color: var(--gold-dark);
}

.form-info-item a:hover {
    color: var(--dark);
}

.form-status {
    padding: 14px 18px;
    border-radius: var(--radius-sm);
    font-size: 15px;
    margin-top: 16px;
    display: none;
}

.form-status.success {
    display: block;
    background: rgba(34,197,94,0.1);
    color: #16a34a;
    border: 1px solid rgba(34,197,94,0.2);
}

.form-status.error {
    display: block;
    background: rgba(239,68,68,0.1);
    color: #dc2626;
    border: 1px solid rgba(239,68,68,0.2);
}

/* ---------- Reviews / Testimonials ---------- */
.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.review-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px 32px;
    border: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    position: relative;
}

.review-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.review-card .quote-icon {
    font-size: 40px;
    color: rgba(232,201,153,0.3);
    margin-bottom: 16px;
    font-family: Georgia, serif;
    line-height: 1;
}

.review-card .stars {
    display: flex;
    gap: 3px;
    margin-bottom: 20px;
}

.review-card .stars i {
    color: var(--gold);
    font-size: 16px;
}

.review-card .review-text {
    font-size: 16px;
    color: var(--gray-600);
    line-height: 1.8;
    margin-bottom: 28px;
    font-style: italic;
}

.review-author {
    display: flex;
    align-items: center;
    gap: 14px;
}

.review-avatar {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--dark);
    font-weight: 700;
    font-size: 18px;
    font-family: var(--font-heading);
}

.review-author-info h5 {
    font-size: 16px;
    font-family: var(--font-body);
    font-weight: 700;
    margin-bottom: 2px;
}

.review-author-info p {
    font-size: 13px;
    color: var(--gray-500);
    margin-bottom: 0;
}

/* ---------- FAQ Section ---------- */
.faq-list {
    max-width: 840px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius-md);
    margin-bottom: 16px;
    border: 1px solid var(--gray-200);
    overflow: hidden;
    transition: var(--transition);
}

.faq-item:hover {
    border-color: rgba(232,201,153,0.3);
}

.faq-item.active {
    border-color: var(--gold);
    box-shadow: var(--shadow-gold);
}

.faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 22px 28px;
    cursor: pointer;
    font-weight: 700;
    font-size: 17px;
    color: var(--dark);
    gap: 16px;
    transition: var(--transition);
}

.faq-question:hover {
    color: var(--gold-dark);
}

.faq-question i {
    font-size: 14px;
    color: var(--gold-dark);
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.4s ease;
}

.faq-item.active .faq-answer {
    max-height: 300px;
}

.faq-answer-inner {
    padding: 0 28px 22px;
    font-size: 16px;
    color: var(--gray-600);
    line-height: 1.8;
}

/* ---------- Contact Section ---------- */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 60px;
    align-items: start;
}

.contact-info-card {
    background: var(--dark);
    border-radius: var(--radius-lg);
    padding: 48px;
    color: var(--white);
    position: relative;
    overflow: hidden;
}

.contact-info-card::before {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232,201,153,0.15), transparent 70%);
    filter: blur(60px);
    top: -100px;
    right: -100px;
}

.contact-info-card h3 {
    color: var(--white);
    margin-bottom: 8px;
}

.contact-info-card > p {
    color: rgba(255,255,255,0.5);
    margin-bottom: 36px;
}

.contact-detail {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 28px;
    position: relative;
    z-index: 1;
}

.contact-detail .icon-box {
    width: 48px;
    height: 48px;
    background: rgba(232,201,153,0.12);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    color: var(--gold);
    flex-shrink: 0;
}

.contact-detail h5 {
    font-size: 14px;
    font-family: var(--font-body);
    font-weight: 700;
    color: rgba(255,255,255,0.5);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 6px;
}

.contact-detail p {
    font-size: 16px;
    color: var(--white);
    margin-bottom: 0;
}

.contact-detail a {
    color: var(--gold-light);
}

.contact-detail a:hover { color: var(--white); }

.contact-socials {
    display: flex;
    gap: 12px;
    margin-top: 36px;
    position: relative;
    z-index: 1;
}

.contact-socials a {
    width: 44px;
    height: 44px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 18px;
    transition: var(--transition);
}

.contact-socials a:hover {
    background: var(--gold);
    color: var(--dark);
    border-color: var(--gold);
}

/* ---------- Footer ---------- */
.footer {
    background: var(--dark);
    padding: 80px 0 0;
    color: var(--white);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.3fr;
    gap: 48px;
    padding-bottom: 60px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-about .nav-logo {
    margin-bottom: 20px;
}

.footer-about p {
    color: rgba(255,255,255,0.5);
    font-size: 15px;
    line-height: 1.8;
    margin-bottom: 24px;
}

.footer-socials {
    display: flex;
    gap: 10px;
}

.footer-socials a {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.6);
    font-size: 16px;
    transition: var(--transition);
}

.footer-socials a:hover {
    background: var(--gold);
    color: var(--dark);
    border-color: var(--gold);
}

.footer-col h5 {
    font-size: 16px;
    font-family: var(--font-body);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 24px;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.footer-col ul li {
    margin-bottom: 12px;
}

.footer-col ul li a {
    color: rgba(255,255,255,0.5);
    font-size: 15px;
    transition: var(--transition);
}

.footer-col ul li a:hover {
    color: var(--gold);
    padding-left: 6px;
}

.footer-newsletter p {
    color: rgba(255,255,255,0.5);
    font-size: 15px;
    margin-bottom: 20px;
}

.newsletter-form {
    display: flex;
    gap: 8px;
}

.newsletter-form input {
    flex: 1;
    padding: 14px 18px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-sm);
    color: var(--white);
    font-size: 15px;
    transition: var(--transition);
}

.newsletter-form input::placeholder {
    color: rgba(255,255,255,0.3);
}

.newsletter-form input:focus {
    border-color: var(--gold);
    background: rgba(255,255,255,0.1);
}

.newsletter-form button {
    padding: 14px 24px;
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    color: var(--dark);
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 15px;
    transition: var(--transition);
    white-space: nowrap;
}

.newsletter-form button:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-gold);
}

.newsletter-status {
    margin-top: 10px;
    font-size: 14px;
    display: none;
}

.newsletter-status.success {
    display: block;
    color: #22c55e;
}

.newsletter-status.error {
    display: block;
    color: #ef4444;
}

.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 24px 0;
    font-size: 14px;
    color: rgba(255,255,255,0.4);
}

.footer-bottom-links {
    display: flex;
    gap: 24px;
}

.footer-bottom-links a {
    color: rgba(255,255,255,0.4);
}

.footer-bottom-links a:hover { color: var(--gold); }

/* ---------- Scroll Reveal ---------- */
.reveal {
    opacity: 0;
    transform: translateY(40px);
    transition: opacity 0.8s cubic-bezier(0.25, 0.46, 0.45, 0.94),
                transform 0.8s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.reveal.revealed {
    opacity: 1;
    transform: translateY(0);
}

.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* ---------- Privacy / Terms Content ---------- */
.legal-content {
    max-width: 800px;
    margin: 0 auto;
    padding: 60px 0;
}

.legal-content h2 {
    font-size: 36px;
    margin-top: 48px;
    margin-bottom: 16px;
}

.legal-content h2:first-child { margin-top: 0; }

.legal-content h3 {
    font-size: 24px;
    margin-top: 32px;
    margin-bottom: 12px;
}

.legal-content p {
    color: var(--gray-600);
    line-height: 1.9;
    margin-bottom: 16px;
}

.legal-content ul {
    margin-bottom: 16px;
    padding-left: 24px;
}

.legal-content ul li {
    list-style: disc;
    margin-bottom: 8px;
    color: var(--gray-600);
    line-height: 1.8;
}

/* ---------- Responsive ---------- */
@media (max-width: 1200px) {
    h1 { font-size: 58px; }
    h2 { font-size: 44px; }
    .hero h1 { font-size: 58px; }
    .pricing-card.featured { transform: scale(1); }
    .pricing-card.featured:hover { transform: translateY(-6px); }
}

@media (max-width: 1024px) {
    h1 { font-size: 48px; }
    h2 { font-size: 38px; }
    .hero h1 { font-size: 48px; }

    .about-grid,
    .insurance-grid,
    .contact-grid,
    .form-grid,
    .service-detail {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .service-detail.reverse { direction: ltr; }

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

    .service-card {
        grid-template-columns: 240px 1fr;
    }

    .features-grid { grid-template-columns: repeat(2, 1fr); }
    .reviews-grid { grid-template-columns: repeat(2, 1fr); }
    .metrics-grid { grid-template-columns: repeat(2, 1fr); }
    .process-grid { grid-template-columns: repeat(2, 1fr); }
    .process-grid::before { display: none; }
    .principles-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }

    .page-header h1 { font-size: 48px; }
}

@media (max-width: 768px) {
    h1 { font-size: 40px; }
    h2 { font-size: 32px; }
    h3 { font-size: 28px; }
    .hero h1 { font-size: 40px; }

    section { padding: 70px 0; }

    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 300px;
        height: 100vh;
        background: rgba(17,17,17,0.98);
        backdrop-filter: blur(20px);
        flex-direction: column;
        align-items: flex-start;
        padding: 100px 32px 40px;
        gap: 4px;
        transition: right 0.4s ease;
        box-shadow: -10px 0 40px rgba(0,0,0,0.3);
    }

    .nav-menu.open { right: 0; }

    .nav-menu a {
        width: 100%;
        padding: 14px 16px;
        font-size: 17px;
        border-radius: 12px;
    }

    .nav-cta { margin-left: 0; margin-top: 12px; }
    .nav-cta .btn { width: 100%; }

    .nav-toggle { display: flex; }

    .hero { padding: 100px 0 60px; min-height: auto; }
    .hero-stats { flex-direction: column; gap: 24px; }
    .hero-btns { flex-direction: column; }
    .hero-btns .btn { width: 100%; text-align: center; }

    .about-features { grid-template-columns: 1fr; }

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

    .features-grid { grid-template-columns: 1fr; }
    .reviews-grid { grid-template-columns: 1fr; }
    .metrics-grid { grid-template-columns: 1fr 1fr; }
    .process-grid { grid-template-columns: 1fr; }
    .principles-grid { grid-template-columns: 1fr; }
    .pricing-grid { grid-template-columns: 1fr; }

    .service-card { grid-template-columns: 1fr; }
    .service-card img { height: 220px; min-height: 220px; }

    .form-row { grid-template-columns: 1fr; }
    .form-card { padding: 32px 24px; }

    .contact-info-card { padding: 32px 24px; }

    .footer-grid { grid-template-columns: 1fr; gap: 36px; }
    .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }

    .page-header { padding: 130px 0 60px; }
    .page-header h1 { font-size: 36px; }

    .cta-btns { flex-direction: column; align-items: center; }

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

@media (max-width: 480px) {
    h1 { font-size: 32px; }
    h2 { font-size: 28px; }
    .hero h1 { font-size: 32px; }
    .hero p { font-size: 17px; }
    .metric-card .counter { font-size: 40px; }
    .container { padding: 0 16px; }
}

/* ---------- Utilities ---------- */
.mt-20 { margin-top: 20px; }
.mt-40 { margin-top: 40px; }
.mt-60 { margin-top: 60px; }
.mb-20 { margin-bottom: 20px; }
.mb-40 { margin-bottom: 40px; }
.mb-60 { margin-bottom: 60px; }

    .services-list {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.modern-service-card {
    position: relative;
    display: flex;
    align-items: center;
    gap: 24px;
    padding: 28px;
    background: #ffffff;
    border: 1px solid rgba(15, 23, 42, 0.08);
    border-radius: 22px;
    overflow: hidden;
    transition: all 0.35s ease;
}

.modern-service-card::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    width: 4px;
    height: 100%;
    background: #2563eb;
    transform: scaleY(0);
    transform-origin: bottom;
    transition: transform 0.35s ease;
}

.modern-service-card:hover {
    transform: translateY(-7px);
    border-color: rgba(37, 99, 235, 0.25);
    box-shadow: 0 20px 45px rgba(15, 23, 42, 0.10);
}

.modern-service-card:hover::before {
    transform: scaleY(1);
}

.service-icon-box {
    flex: 0 0 82px;
    width: 82px;
    height: 82px;
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #eff6ff;
    color: #2563eb;
    font-size: 30px;
    transition: all 0.35s ease;
}

.modern-service-card:hover .service-icon-box {
    background: #2563eb;
    color: #ffffff;
    transform: rotate(-5deg) scale(1.05);
}

.service-content {
    flex: 1;
}

.service-number {
    font-size: 12px;
    font-weight: 700;
    color: #94a3b8;
    letter-spacing: 1px;
    margin-bottom: 5px;
}

.service-content .icon-label {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    font-weight: 600;
    color: #2563eb;
    margin-bottom: 6px;
}

.service-content h4 {
    margin: 0 0 8px;
    font-size: 20px;
    font-weight: 700;
    color: #0f172a;
}

.service-content p {
    margin: 0;
    font-size: 14px;
    line-height: 1.65;
    color: #64748b;
}

.service-arrow {
    flex: 0 0 46px;
    width: 46px;
    height: 46px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #f1f5f9;
    color: #0f172a;
    text-decoration: none;
    transition: all 0.3s ease;
}

.modern-service-card:hover .service-arrow {
    background: #2563eb;
    color: #ffffff;
    transform: translateX(4px);
}


/* Tablet */
@media (max-width: 992px) {
    .services-list {
        grid-template-columns: 1fr;
    }
}


/* Mobile */
@media (max-width: 576px) {
    .modern-service-card {
        align-items: flex-start;
        padding: 22px;
        gap: 16px;
    }

    .service-icon-box {
        flex: 0 0 60px;
        width: 60px;
        height: 60px;
        border-radius: 16px;
        font-size: 23px;
    }

    .service-content h4 {
        font-size: 17px;
    }

    .service-content p {
        font-size: 13px;
    }

    .service-arrow {
        display: none;
    }
}