/* FinGuide stylesheet. Colours come from the logo. Mobile first. */
:root{
  --ink:#1A2C40;
  --ink-2:#22394F;
  --ink-3:#2C4762;
  --night:#101C2A;
  --blue:#1F72AF;
  --blue-dark:#185B8C;
  --gold:#F7922A;
  --gold-soft:#FDF1E3;
  --paper:#FBFCFD;
  --mist:#EEF3F8;
  --line:#D7E1EB;
  --text:#1B2430;
  --muted:#566577;
  --green:#2E8B57;
  --amber:#C77A12;
  --red:#C2412D;
  --serif:"Newsreader",Georgia,"Times New Roman",serif;
  --sans:"Figtree",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --wrap:1160px;
  --header:64px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header) + 16px)}
body{margin:0;background:var(--paper);color:var(--text);font:400 16px/1.6 var(--sans);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg,iframe{max-width:100%}
img{display:block;height:auto}
a{color:var(--blue-dark)}
h1,h2,h3{font-family:var(--serif);font-weight:500;color:var(--ink);line-height:1.15;margin:0 0 .5em;overflow-wrap:break-word}
h1{font-size:clamp(2.1rem,7vw,3.7rem);letter-spacing:-.015em}
h2{font-size:clamp(1.7rem,5vw,2.5rem);letter-spacing:-.01em}
h3{font-size:1.3rem}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
section{padding:56px 0}
.lede{font-size:1.1rem;color:var(--muted);max-width:62ch}
.section-head{max-width:660px;margin-bottom:32px}
.small-print{font-size:.82rem;color:var(--muted);line-height:1.55}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}
[hidden]{display:none!important}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:11px 20px;border-radius:999px;font:600 1rem/1.2 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;text-align:center;transition:background .15s,color .15s,border-color .15s}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-dark)}
.btn-gold{background:var(--gold);color:var(--night)}
.btn-gold:hover{background:#E5821B}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn-light:hover{background:#fff;color:var(--ink)}
.btn-soft{background:#fff;color:var(--ink);border-color:var(--line)}
.btn-soft:hover{border-color:var(--blue);color:var(--blue-dark)}
.btn-row{display:flex;flex-wrap:wrap;gap:10px}
.text-link{font-weight:600;text-decoration-color:var(--gold);text-underline-offset:4px}

/* Top bar (desktop only) */
.topbar{display:none;background:var(--night);color:#C9D5E6;font-size:.88rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:38px;gap:20px}
.topbar a{color:#E6EDF6;text-decoration:none}
.topbar a:hover{text-decoration:underline}
.topbar-info{display:flex;gap:22px}
.socials{display:flex;gap:6px;align-items:center}
.socials a{display:grid;place-items:center;width:30px;height:30px;border-radius:50%}
.socials a:hover{background:rgba(255,255,255,.1);text-decoration:none}
.socials svg{width:16px;height:16px;fill:currentColor}

/* Header */
header.site{position:sticky;top:0;z-index:50;background:rgba(251,252,253,.97);border-bottom:1px solid var(--line)}
@supports (backdrop-filter:blur(8px)){header.site{background:rgba(251,252,253,.88);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}}
.nav{display:flex;align-items:center;justify-content:space-between;height:var(--header);gap:16px}
.logo{display:flex;align-items:center;flex:none}
.logo img{height:36px;width:auto}
.nav-links{display:none}
.nav-cta{display:none}
.menu-btn{display:grid;place-items:center;width:46px;height:46px;margin-right:-8px;background:none;border:0;border-radius:10px;cursor:pointer;color:var(--ink)}
.menu-btn svg{width:26px;height:26px}
.menu-btn .close{display:none}
.menu-btn[aria-expanded="true"] .open{display:none}
.menu-btn[aria-expanded="true"] .close{display:block}

/* Mobile menu panel */
.mobile-menu{position:fixed;left:0;right:0;top:var(--header);bottom:0;z-index:49;background:var(--paper);overflow-y:auto;-webkit-overflow-scrolling:touch;padding:12px 20px 120px;border-top:1px solid var(--line)}
.mobile-menu h2{font:600 .85rem var(--sans);color:var(--muted);margin:22px 0 6px;letter-spacing:.02em}
.mobile-menu ul{list-style:none;padding:0;margin:0}
.mobile-menu li a{display:block;padding:11px 0;font-size:1.08rem;font-weight:500;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.mobile-menu li a[aria-current="page"]{color:var(--blue-dark);font-weight:700}
.mobile-menu .btn{width:100%;margin-top:26px}
body.menu-open{overflow:hidden}

/* Dark hero */
.hero{position:relative;overflow:hidden;background:var(--night);color:#fff;padding:0}
.hero-media{position:absolute;inset:0}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:50% 30%;opacity:.6}
.hero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(16,28,42,.35) 0%,rgba(16,28,42,.82) 45%,var(--night) 100%)}
.hero .hero-inner{padding-top:64px;padding-bottom:56px}
.hero-copy{position:relative;z-index:1}
.hero h1{color:#fff;max-width:15ch}
.hero .lede{color:#D3DEEA;margin-bottom:26px}
.hero-note{margin-top:22px;font-size:.92rem;color:#AFC0D3}
.hero-note strong{color:#fff;font-weight:600}

/* Trust strip */
.trust{background:var(--ink);color:#E6EDF6;padding:0}
.trust ul{list-style:none;margin:0;padding:18px 0;display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
.trust li{display:flex;align-items:center;gap:10px;font-size:.93rem;line-height:1.3}
.trust svg{width:26px;height:26px;flex:none;stroke:var(--gold);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* Pillars */
.pillars{display:grid;grid-template-columns:1fr;gap:14px}
.pillar{display:flex;gap:16px;align-items:flex-start;padding:20px;border:1px solid var(--line);border-radius:16px;background:#fff;text-decoration:none;color:var(--text)}
.pillar:hover{border-color:var(--blue)}
.pillar .icon{flex:none;width:52px;height:52px;border-radius:50%;background:var(--ink);display:grid;place-items:center}
.pillar .icon svg{width:26px;height:26px;stroke:var(--gold);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.pillar h3{margin:0 0 2px;font-size:1.25rem}
.pillar .tag{display:block;color:var(--blue-dark);font-weight:600;font-size:.92rem;margin-bottom:4px}
.pillar p{margin:0;color:var(--muted);font-size:.95rem}
.callout{margin-top:26px;padding:24px;border-radius:18px;background:var(--gold-soft);display:flex;flex-direction:column;gap:14px;align-items:flex-start}
.callout h3{margin:0}
.callout p{margin:0;color:var(--muted)}

/* Offer list */
.offer{display:grid;grid-template-columns:1fr;gap:0;border-top:2px solid var(--ink)}
.offer a{display:block;padding:18px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--text)}
.offer strong{display:block;font:500 1.3rem var(--serif);color:var(--ink);margin-bottom:2px}
.offer span{color:var(--muted);font-size:.96rem}
.offer a:hover strong{color:var(--blue-dark)}

/* Link grids */
.link-grid{display:grid;grid-template-columns:1fr;gap:0 28px}
.link-grid a{display:block;padding:16px 0 18px;border-top:2px solid var(--ink);text-decoration:none;color:var(--text)}
.link-grid a strong{display:block;font:500 1.22rem var(--serif);color:var(--ink);margin-bottom:2px}
.link-grid a span{color:var(--muted);font-size:.95rem}
.link-grid a:hover strong{color:var(--blue-dark);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:4px}
.alt{background:var(--mist)}

/* NRI band */
.band{background:var(--ink);color:#fff}
.band h2{color:#fff}
.band .lede{color:#C9D5E6}
.band-grid{display:grid;gap:24px;align-items:center}

/* Page hero */
.page-hero{background:var(--ink);color:#fff;padding:44px 0 40px}
.page-hero h1{color:#fff;font-size:clamp(2rem,6vw,3.1rem);max-width:22ch}
.page-hero .lede{color:#C9D5E6;margin:0}
.crumbs{font-size:.88rem;margin-bottom:12px;color:#AFC0D3}
.crumbs a{color:#DDE6F2}
.page-hero + section{padding-top:44px}

/* Detail rows */
.detail{display:grid;grid-template-columns:1fr;gap:12px;padding:40px 0;border-top:1px solid var(--line)}
.detail:first-child{border-top:0;padding-top:0}
.detail .who{color:var(--muted);font-size:.95rem}
.detail ul{padding-left:1.1em}
.detail li{margin-bottom:9px}
.detail li strong{color:var(--ink)}
.note{background:var(--mist);border-left:4px solid var(--gold);padding:14px 16px;border-radius:0 10px 10px 0;font-size:.95rem;margin:0 0 16px}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 14px;padding:0;list-style:none}
.pills li{background:var(--gold-soft);color:#7A4A0E;font-size:.85rem;font-weight:600;padding:4px 12px;border-radius:999px;margin:0}
.steps{list-style:none;padding:0;margin:0 0 20px;counter-reset:s}
.steps li{counter-increment:s;padding-left:46px;position:relative;margin-bottom:16px}
.steps li::before{content:counter(s);position:absolute;left:0;top:-2px;width:32px;height:32px;border-radius:50%;background:var(--ink);color:var(--gold);display:grid;place-items:center;font:600 1rem var(--serif)}
.two-col{display:grid;grid-template-columns:1fr;gap:28px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}
.card h3{margin-bottom:8px}
.toc{display:flex;gap:8px;overflow-x:auto;padding:0 0 6px;margin:0 0 8px;list-style:none;scrollbar-width:thin}
.toc a{display:block;white-space:nowrap;padding:8px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;text-decoration:none;color:var(--ink);font-weight:500;font-size:.93rem}
.toc a:hover{border-color:var(--blue)}

/* Team */
.team-grid{display:grid;grid-template-columns:1fr;gap:18px}
.person{background:#fff;border-radius:16px;padding:24px;border:1px solid var(--line)}
.avatar{width:72px;height:72px;border-radius:50%;background:var(--ink);color:var(--gold);display:grid;place-items:center;font:500 1.6rem var(--serif);margin-bottom:14px;overflow:hidden}
.avatar img{width:100%;height:100%;object-fit:cover}
.person h3{margin-bottom:2px}
.role{color:var(--blue-dark);font-weight:600;margin-bottom:10px}
.person p{color:var(--muted);font-size:.96rem;margin-bottom:0}

/* Tables */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:18px}
table{border-collapse:collapse;width:100%;font-size:.92rem}
th,td{padding:10px 12px;text-align:left;vertical-align:top}
thead th{background:var(--ink);color:#fff;font-weight:600;white-space:nowrap}
tbody tr:nth-child(even){background:var(--mist)}
.num-table th,.num-table td{text-align:right;white-space:nowrap}
.num-table th:first-child,.num-table td:first-child{text-align:left}
.scroll-y{max-height:260px;overflow-y:auto}
.scroll-y thead th{position:sticky;top:0}

/* Calculators */
.tabs{display:flex;gap:8px;overflow-x:auto;-webkit-overflow-scrolling:touch;padding-bottom:8px;margin:0 -20px 18px;padding-left:20px;padding-right:20px;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab{flex:none;border:1px solid var(--line);background:#fff;color:var(--text);min-height:42px;padding:9px 16px;border-radius:999px;font:500 .95rem var(--sans);cursor:pointer}
.tab[aria-selected="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.panel{display:none;background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden}
.panel.active{display:grid;grid-template-columns:minmax(0,1fr)}
.panel-inputs,.panel-results{padding:20px;min-width:0}
.panel-results{background:var(--mist);display:flex;flex-direction:column}
.panel-inputs h3{margin-bottom:4px}
.panel-inputs .hint{color:var(--muted);font-size:.95rem;margin-bottom:20px}
.field{margin-bottom:20px}
.field-top{display:flex;flex-direction:column;gap:8px;margin-bottom:8px}
.field label{font-weight:500}
.num{display:flex;align-items:center;border:1px solid var(--line);border-radius:10px;padding:0 10px;background:var(--paper);min-width:0}
.num span{color:var(--muted);font-size:.95rem}
.num input{border:0;background:transparent;font:600 16px var(--sans);color:var(--ink);width:100%;min-width:0;padding:10px 4px;text-align:right}
.num input:focus{outline:none}
.num:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(31,114,175,.2)}
input[type=range]{width:100%;accent-color:var(--blue);height:28px;margin:0}
select{font:500 16px var(--sans);padding:10px 12px;border-radius:10px;border:1px solid var(--line);background:var(--paper);color:var(--ink);width:100%;min-height:44px}
.check{display:flex;gap:10px;align-items:center;margin-bottom:20px;font-weight:500}
.check input{width:20px;height:20px;accent-color:var(--blue);flex:none}
.subhead{font:600 1rem var(--sans);color:var(--ink);margin:26px 0 14px;padding-top:18px;border-top:1px solid var(--line)}
.big-result{margin-bottom:18px}
.big-result .label{color:var(--muted);font-size:.95rem}
.big-result .value{font:500 clamp(1.9rem,8vw,2.7rem)/1.1 var(--serif);color:var(--ink);overflow-wrap:anywhere}
.rows{margin:0 0 18px;padding:0;list-style:none}
.rows li{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--line)}
.rows li span:last-child{font-weight:600;color:var(--ink);text-align:right}
.key{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:8px;vertical-align:middle}
.chart{width:100%;height:auto;margin:6px 0 18px}
.chart text{font:500 11px var(--sans);fill:var(--muted)}
.verdict{background:#fff;border-left:4px solid var(--gold);padding:14px 16px;border-radius:0 10px 10px 0;margin-bottom:18px}
.result-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:auto;padding-top:8px}
.tax-compare{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px}
.tax-box{background:#fff;border-radius:14px;padding:14px;border:2px solid transparent;min-width:0}
.tax-box.best{border-color:var(--blue)}
.tax-box .label{font-size:.88rem;color:var(--muted)}
.tax-box .value{font:500 1.45rem var(--serif);color:var(--ink);overflow-wrap:anywhere}
.tax-box .tag{display:inline-block;font-size:.75rem;font-weight:600;color:#fff;background:var(--blue);padding:2px 9px;border-radius:999px;margin-top:6px}
.tool-strip{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:24px}

/* Quiz */
.quiz-progress{position:sticky;top:var(--header);z-index:5;background:var(--paper);padding:12px 0;margin-bottom:8px;border-bottom:1px solid var(--line)}
.quiz-progress .bar{height:8px;background:var(--mist);border-radius:999px;overflow:hidden;margin-top:6px}
.quiz-progress .bar i{display:block;height:100%;width:0;background:var(--gold);transition:width .2s}
.quiz-progress p{margin:0;font-size:.92rem;color:var(--muted)}
.q-group{margin:30px 0 8px;display:flex;align-items:center;gap:12px}
.q-group .icon{width:42px;height:42px;border-radius:50%;background:var(--ink);display:grid;place-items:center;flex:none}
.q-group .icon svg{width:22px;height:22px;stroke:var(--gold);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.q-group h2{margin:0;font-size:1.5rem}
fieldset.q{border:1px solid var(--line);border-radius:16px;background:#fff;padding:18px;margin:0 0 14px;min-width:0}
fieldset.q legend{font-weight:600;color:var(--ink);padding:0;margin-bottom:12px;font-size:1.04rem;float:left;width:100%}
fieldset.q legend + *{clear:both}
.opts{display:grid;gap:8px;clear:both}
.opt{position:relative}
.opt input{position:absolute;opacity:0;width:1px;height:1px}
.opt label{display:block;padding:12px 14px 12px 44px;border:1px solid var(--line);border-radius:12px;cursor:pointer;background:var(--paper);position:relative;line-height:1.35}
.opt label::before{content:"";position:absolute;left:14px;top:50%;width:18px;height:18px;margin-top:-9px;border-radius:50%;border:2px solid #9AACBF;background:#fff}
.opt input:checked + label{border-color:var(--blue);background:#EAF3FA}
.opt input:checked + label::before{border-color:var(--blue);box-shadow:inset 0 0 0 4px #fff;background:var(--blue)}
.opt input:focus-visible + label{outline:3px solid var(--gold);outline-offset:2px}
.quiz-submit{margin:24px 0}
#quizResult{scroll-margin-top:calc(var(--header) + 72px)}
#quiz fieldset{scroll-margin-top:calc(var(--header) + 72px)}
.quiz-missing{color:var(--red);font-weight:500;margin:10px 0 0}
.result{background:var(--ink);color:#fff;border-radius:20px;padding:26px 22px;margin-top:10px}
.result h2{color:#fff}
.score{font:500 clamp(3rem,14vw,4.6rem)/1 var(--serif);color:var(--gold)}
.score small{font-size:.4em;color:#C9D5E6}
.result .lede{color:#D3DEEA}
.p-rows{list-style:none;padding:0;margin:20px 0}
.p-rows li{background:var(--ink-2);border-radius:14px;padding:14px 16px;margin-bottom:10px}
.p-rows .top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:6px}
.p-rows strong{font-size:1.05rem}
.p-rows p{margin:0;color:#C9D5E6;font-size:.94rem}
.p-rows a{color:#fff}
.chip{font-size:.78rem;font-weight:700;padding:3px 10px;border-radius:999px;white-space:nowrap}
.chip.good{background:#D5F0E0;color:#17603A}
.chip.mid{background:#FBE7C6;color:#7A4A0E}
.chip.low{background:#F8D5CF;color:#8A2416}
.meter{display:grid;grid-template-columns:repeat(5,1fr);gap:4px;margin:18px 0 6px}
.meter i{height:10px;border-radius:4px;background:var(--ink-3)}
.meter i.on{background:var(--gold)}
.meter-labels{display:flex;justify-content:space-between;font-size:.75rem;color:#AFC0D3}
.result .small-print{color:#AFC0D3}

/* Testimonials */
.testimonials{background:var(--ink);color:#fff}
.testimonials h2{color:#fff}
.testimonials .lede{color:#C9D5E6}
.quote-track{display:grid;grid-auto-flow:column;grid-auto-columns:88%;gap:16px;overflow-x:auto;-webkit-overflow-scrolling:touch;scroll-snap-type:x mandatory;padding-bottom:10px;scrollbar-width:thin}
.quote{scroll-snap-align:start;background:var(--ink-2);border-radius:18px;padding:24px;margin:0;display:flex;flex-direction:column}
.quote blockquote{margin:0 0 18px;font:400 1.15rem/1.5 var(--serif);color:#fff}
.quote figcaption{margin-top:auto;color:#C9D5E6;font-size:.95rem}
.quote figcaption strong{color:var(--gold);display:block;font-weight:600}
.quote-controls{display:flex;gap:10px;margin-top:18px}
.round{width:46px;height:46px;border-radius:50%;border:1px solid #4A6684;background:transparent;color:#fff;cursor:pointer;display:grid;place-items:center}
.round:hover{background:var(--ink-2)}
.round svg{width:20px;height:20px}
.sample-flag{font-size:.82rem;color:var(--gold);margin-top:12px}

/* Learn */
.learn-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:20px}
.media-box{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;min-width:0}
.media-box h3{display:flex;align-items:center;gap:10px}
.media-box h3 svg{width:24px;height:24px;flex:none}
.video{position:relative;aspect-ratio:16/9;border-radius:12px;overflow:hidden;background:var(--mist);margin:14px 0}
.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.placeholder{display:grid;place-items:center;text-align:center;padding:28px;color:var(--muted);font-size:.95rem;background:var(--mist);border-radius:12px;min-height:180px;margin:14px 0}

/* Booking and contact */
.book{background:var(--mist)}
.book-grid,.contact-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:28px;align-items:start}
.cal-frame{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;min-height:620px}
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{padding:13px 0;border-bottom:1px solid var(--line)}
.contact-list .k{color:var(--muted);font-size:.88rem;display:block}
.contact-list a,.contact-list .v{font-weight:600;color:var(--ink);text-decoration:none;overflow-wrap:anywhere}
.map{border:0;width:100%;height:260px;border-radius:14px;margin-top:20px;background:var(--mist)}
form.enquiry{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}
form.enquiry label{display:block;font-weight:500;margin-bottom:6px}
form.enquiry input,form.enquiry select,form.enquiry textarea{width:100%;font:400 16px var(--sans);padding:12px;border:1px solid var(--line);border-radius:10px;background:var(--paper);margin-bottom:16px;color:var(--text)}
form.enquiry textarea{min-height:100px;resize:vertical}
.form-error{color:var(--red);font-size:.92rem;min-height:1.2em;margin:-4px 0 10px}

/* Prose pages */
.prose{max-width:72ch}
.prose h2{font-size:1.6rem;margin-top:1.6em}
.prose li{margin-bottom:6px}

/* CTA band */
.cta-band{background:var(--night);color:#fff;padding:52px 0}
.cta-band .wrap{display:flex;flex-direction:column;gap:20px}
.cta-band h2{color:#fff;margin:0 0 6px}
.cta-band p{color:#C9D5E6;margin:0;max-width:52ch}

/* Footer */
footer{background:var(--night);color:#B8C6D9;padding:48px 0 28px;font-size:.93rem;border-top:1px solid #22344A}
.foot-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px 20px;margin-bottom:32px}
.foot-brand{grid-column:1/-1}
.foot-brand img{height:36px;width:auto;margin-bottom:12px}
footer h3{color:#fff;font:600 1rem var(--sans);margin-bottom:10px}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:8px}
footer a{color:#DDE6F2;text-decoration:none;overflow-wrap:anywhere}
footer a:hover{text-decoration:underline}
footer .socials{margin-top:12px}
footer .socials a{background:rgba(255,255,255,.08);width:38px;height:38px}
.disclaimers{border-top:1px solid #2A3E55;padding-top:20px;font-size:.82rem;line-height:1.6;color:#91A3BC}
.disclaimers p{margin-bottom:8px}

/* Mobile action bar */
.action-bar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:grid;grid-template-columns:repeat(3,1fr);background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 18px -10px rgba(16,28,42,.35);padding-bottom:env(safe-area-inset-bottom,0px)}
.action-bar a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;min-height:58px;font-size:.8rem;font-weight:600;color:var(--ink);text-decoration:none}
.action-bar a svg{width:22px;height:22px}
.action-bar a.book-btn{background:var(--blue);color:#fff}
body{padding-bottom:calc(58px + env(safe-area-inset-bottom,0px))}
.wa-float{display:none}

/* ---------- Tablet ---------- */
@media (min-width:640px){
  .wrap{padding:0 28px}
  section{padding:72px 0}
  .tabs{margin:0 0 20px;padding-left:0;padding-right:0}
  .trust ul{grid-template-columns:repeat(3,1fr)}
  .pillars,.team-grid,.link-grid{grid-template-columns:1fr 1fr}
  .offer{grid-template-columns:1fr 1fr;gap:0 28px}
  .opts{grid-template-columns:1fr 1fr}
  .field-top{flex-direction:row;justify-content:space-between;align-items:center}
  .num,select{width:auto;min-width:170px}
  .callout{flex-direction:row;align-items:center;justify-content:space-between}
  .foot-grid{grid-template-columns:repeat(4,1fr)}
  .cta-band .wrap{flex-direction:row;align-items:center;justify-content:space-between;flex-wrap:wrap}
  .quote-track{grid-auto-columns:min(420px,70%)}
}

/* ---------- Desktop ---------- */
@media (min-width:1000px){
  :root{--header:76px}
  .topbar{display:block}
  .logo img{height:44px}
  .nav-links{display:flex;gap:4px;list-style:none;margin:0;padding:0}
  .nav-links a{display:block;padding:8px 11px;color:var(--text);text-decoration:none;font-weight:500;border-radius:8px}
  .nav-links a:hover{color:var(--blue-dark);background:var(--mist)}
  .nav-links a[aria-current="page"]{color:var(--blue-dark);font-weight:600;box-shadow:inset 0 -2px 0 var(--gold)}
  .nav-cta{display:inline-flex;min-height:42px;padding:9px 18px}
  .menu-btn,.mobile-menu{display:none!important}
  .action-bar{display:none}
  body{padding-bottom:0}
  .wa-float{display:grid;position:fixed;right:20px;bottom:20px;width:58px;height:58px;border-radius:50%;background:#25D366;place-items:center;box-shadow:0 10px 24px -8px rgba(0,0,0,.4);z-index:60}
  .wa-float svg{width:30px;height:30px}
  .hero .hero-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center;padding-top:80px;padding-bottom:80px}
  .hero-media{position:relative;inset:auto;grid-column:2;grid-row:1;border-radius:24px;overflow:hidden;box-shadow:0 30px 60px -30px rgba(0,0,0,.8);max-width:400px;justify-self:end}
  .hero-media img{opacity:1;aspect-ratio:384/600}
  .hero-media::after{display:none}
  .hero-copy{grid-column:1;grid-row:1}
  .trust ul{grid-template-columns:repeat(5,1fr);padding:22px 0}
  .pillars,.team-grid,.link-grid{grid-template-columns:repeat(3,1fr)}
  .offer{grid-template-columns:repeat(5,1fr)}
  .offer a{padding-right:12px}
  .band-grid{grid-template-columns:1.2fr .8fr;gap:48px}
  .detail{grid-template-columns:.8fr 1.2fr;gap:44px;padding:52px 0}
  .two-col,.learn-grid{grid-template-columns:1fr 1fr}
  .panel.active{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
  .panel-inputs,.panel-results{padding:30px}
  .book-grid{grid-template-columns:.8fr 1.2fr;gap:44px}
  .contact-grid{grid-template-columns:1fr 1fr;gap:44px}
  .page-hero{padding:64px 0 52px}
  .foot-grid{grid-template-columns:1.4fr 1fr 1fr 1fr 1fr}
  .foot-brand{grid-column:auto}
  .quiz-progress{top:var(--header)}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important}
}
@media print{
  header.site,.topbar,.action-bar,.wa-float,footer,.cta-band{display:none!important}
  body{padding:0}
}