/* ==========================================================================
   TFS Consultants — Troy Financial Services Consultants (Pty) Ltd
   Master stylesheet
   ========================================================================== */

/* ---------- Tokens ---------- */
:root{
  --navy-900:#0a0f3d;
  --navy-800:#101a5c;
  --navy-700:#1a2472;
  --navy-600:#26318f;
  --navy-50:#eef1fa;

  --gold-600:#a8823c;
  --gold-500:#c9a227;
  --gold-400:#dcbb62;
  --gold-300:#eed9a0;

  --ink:#151a2e;
  --ink-2:#3d4460;
  --muted:#6b7290;
  --line:#dfe3f0;
  --bg:#f2f3f8;          /* page background, easier on the eye than pure white */
  --surface:#fafbfe;     /* cards and panels, a touch lighter than the page */
  --bg-alt:#e9ecf6;      /* alternating bands, clearly distinct from --bg */

  --ff-display:"Cormorant Garamond",Georgia,"Times New Roman",serif;
  --ff-body:"DM Sans","Segoe UI",system-ui,-apple-system,sans-serif;

  --wrap:1200px;
  --r-sm:6px; --r-md:12px; --r-lg:20px;
  --sh-1:0 1px 3px rgba(10,15,61,.06),0 6px 18px rgba(10,15,61,.05);
  --sh-2:0 10px 40px rgba(10,15,61,.10);
  --sh-3:0 24px 70px rgba(10,15,61,.16);
  --t:.28s cubic-bezier(.4,0,.2,1);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--ff-body);
  color:var(--ink);
  background:var(--bg);
  line-height:1.7;
  font-size:16.5px;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
ul{list-style:none}

/* ---------- Type ---------- */
h1,h2,h3,h4{font-family:var(--ff-display);font-weight:700;line-height:1.15;letter-spacing:-.01em;color:var(--navy-900)}
h1{font-size:clamp(2.4rem,5.2vw,4.1rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.9rem)}
h3{font-size:clamp(1.2rem,1.9vw,1.5rem)}
p{color:var(--ink-2)}

.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:24px}
.section{padding:96px 0}
.section--alt{background:var(--bg-alt)}
.section--navy{background:var(--navy-900);color:#fff}
.section--navy h2,.section--navy h3{color:#fff}
.section--navy p{color:#c3c9e6}

.eyebrow{
  font-family:var(--ff-body);
  font-size:.72rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold-600);display:flex;align-items:center;gap:12px;margin-bottom:16px;
}
.eyebrow::before{content:"";width:32px;height:2px;background:var(--gold-500);flex:none}
.eyebrow--center{justify-content:center}
.section-head{max-width:760px;margin-bottom:56px}
.section-head--center{margin-inline:auto;text-align:center}
.section-head p{margin-top:18px;font-size:1.06rem}
.lead{font-size:1.12rem;color:var(--ink-2)}
.rule{width:64px;height:3px;background:linear-gradient(90deg,var(--gold-500),var(--gold-300));margin:20px 0;border-radius:2px}
.section-head--center .rule{margin-inline:auto}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--ff-body);font-weight:600;font-size:.92rem;letter-spacing:.02em;
  padding:15px 32px;border-radius:var(--r-sm);border:1.5px solid transparent;
  cursor:pointer;transition:var(--t);white-space:nowrap;
}
/* Icons inside buttons must never inherit the SVG default size */
.btn svg{width:13px;height:13px;fill:currentColor;flex:none}
.btn--gold{background:var(--gold-500);color:var(--navy-900);border-color:var(--gold-500)}
.btn--gold:hover{background:var(--gold-400);border-color:var(--gold-400);transform:translateY(-2px);box-shadow:0 10px 26px rgba(201,162,39,.36)}
.btn--navy{background:var(--navy-800);color:#fff;border-color:var(--navy-800)}
.btn--navy:hover{background:var(--navy-700);transform:translateY(-2px);box-shadow:var(--sh-2)}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn--ghost:hover{background:#fff;color:var(--navy-900);border-color:#fff;transform:translateY(-2px)}
.btn--outline{background:transparent;color:var(--navy-800);border-color:var(--line)}
.btn--outline:hover{border-color:var(--navy-800);background:var(--navy-50)}

/* ---------- Top bar ---------- */
.topbar{
  background:var(--navy-900);color:#c9cfe8;font-size:.82rem;
  border-bottom:1px solid rgba(255,255,255,.08);
  transition:background .45s ease, color .45s ease;
}
/* Deepens to gold-edged ink once the page is scrolled */
.topbar.is-scrolled{background:linear-gradient(90deg,var(--navy-800),var(--navy-600));color:#dfe4f5}
.topbar.is-scrolled .topbar__contact svg{fill:var(--gold-400)}
.topbar.is-scrolled .socials a{background:rgba(255,255,255,.16)}
.topbar__in{display:flex;justify-content:space-between;align-items:center;gap:20px;min-height:44px;flex-wrap:wrap}
.topbar__contact{display:flex;gap:26px;flex-wrap:wrap}
.topbar__contact a{display:inline-flex;align-items:center;gap:8px;transition:color .2s}
.topbar__contact a:hover{color:var(--gold-400)}
.topbar__contact svg{width:14px;height:14px;fill:var(--gold-500);flex:none}
.socials{display:flex;gap:8px;align-items:center}
.socials a{
  width:30px;height:30px;border-radius:50%;display:grid;place-items:center;
  background:rgba(255,255,255,.08);transition:var(--t);
}
.socials a svg{width:14px;height:14px;fill:#dfe4f5;transition:fill .2s}
.socials a:hover{background:var(--gold-500);transform:translateY(-2px)}
.socials a:hover svg{fill:var(--navy-900)}

/* ---------- Header ---------- */
.header{
  position:sticky;top:0;z-index:900;background:rgba(250,251,254,.94);
  backdrop-filter:blur(14px);border-bottom:1px solid var(--line);transition:box-shadow .3s;
}
.header.is-stuck{box-shadow:0 4px 24px rgba(10,15,61,.09)}
.header__in{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:82px}
.brand{display:flex;align-items:center;gap:13px}
.brand img{width:50px;height:50px;border-radius:9px;object-fit:cover;box-shadow:var(--sh-1)}
.brand__name{font-family:var(--ff-display);font-size:1.42rem;font-weight:700;color:var(--navy-900);line-height:1.05}
.brand__tag{font-size:.62rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-600);font-weight:600}

.nav{display:flex;align-items:center;gap:4px}
.nav a{
  padding:10px 16px;font-size:.9rem;font-weight:500;color:var(--ink-2);
  border-radius:var(--r-sm);position:relative;transition:var(--t);
}
.nav a::after{
  content:"";position:absolute;left:16px;right:16px;bottom:4px;height:2px;
  background:var(--gold-500);transform:scaleX(0);transform-origin:left;transition:transform .28s;
}
.nav a:hover{color:var(--navy-900)}
.nav a:hover::after,.nav a.active::after{transform:scaleX(1)}
.nav a.active{color:var(--navy-900);font-weight:600}
.header__cta{display:flex;align-items:center;gap:12px}
.header__cta .btn{padding:12px 24px;font-size:.85rem}

.burger{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:var(--r-sm);background:var(--surface);cursor:pointer;flex-direction:column;gap:5px;align-items:center;justify-content:center}
.burger span{width:20px;height:2px;background:var(--navy-800);border-radius:2px;transition:var(--t)}
.burger.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.is-open span:nth-child(2){opacity:0}
.burger.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-nav{display:none;background:var(--surface);border-bottom:1px solid var(--line)}
.mobile-nav.is-open{display:block}
.mobile-nav a{display:block;padding:15px 24px;border-bottom:1px solid var(--bg-alt);font-weight:500}
.mobile-nav a:hover{background:var(--navy-50);color:var(--navy-800)}
.mobile-nav .btn{margin:16px 24px;width:calc(100% - 48px)}

/* ---------- Hero ---------- */
.hero{position:relative;min-height:640px;display:flex;align-items:center;overflow:hidden;background:var(--navy-900)}
.hero--tall{min-height:720px}
.hero--page{min-height:460px}
.hero__bg{position:absolute;inset:0}
.hero__bg img{width:100%;height:100%;object-fit:cover;opacity:.30}
.hero__bg::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(10,15,61,.95) 0%,rgba(10,15,61,.85) 45%,rgba(16,26,92,.62) 100%);
}
.hero__in{position:relative;z-index:2;padding:80px 0;max-width:820px}
.hero h1{color:#fff;margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--gold-400)}
.hero__sub{font-size:1.22rem;color:#d5daf0;max-width:640px;font-weight:300}
.hero__kicker{
  display:inline-flex;align-items:center;gap:10px;padding:8px 18px;border-radius:999px;
  background:rgba(201,162,39,.14);border:1px solid rgba(201,162,39,.4);
  color:var(--gold-300);font-size:.76rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;margin-bottom:26px;
}

/* Prominent credentials badge on the home hero */
.hero__badge{
  display:inline-flex;align-items:center;justify-content:center;
  padding:18px 40px;margin-bottom:32px;border-radius:6px;
  background:linear-gradient(135deg,var(--gold-500),var(--gold-400));
  color:var(--navy-900);font-family:var(--ff-body);
  font-size:clamp(1rem,1.9vw,1.35rem);
  font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  box-shadow:0 10px 34px rgba(201,162,39,.42);
  border:2px solid var(--gold-300);
}
.hero__actions{display:flex;gap:14px;margin-top:36px;flex-wrap:wrap}
.hero__reg{margin-top:34px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14);color:#9aa3c9;font-size:.84rem}

.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.12);position:relative;z-index:2}
.hero-stats__i{background:var(--navy-900);padding:28px 24px;text-align:center}
.hero-stats__n{font-family:var(--ff-display);font-size:2.3rem;font-weight:700;color:var(--gold-400);line-height:1}
.hero-stats__l{font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:#9aa3c9;margin-top:8px}

/* Hero with photo beside the heading (home and inner pages) */
/* Clear the narrow text cap, but keep the .wrap page width and padding */
.hero--split .hero__in{max-width:var(--wrap);width:100%}
/* On the home hero the photo carries the image, so the backdrop stays subtle */
.hero--tall.hero--split .hero__bg img{opacity:.16}
.hero--tall .hero__figure img{aspect-ratio:4/3}
.hero__cols{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero__figure img{
  width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r-md);
  box-shadow:var(--sh-3);border:1px solid rgba(255,255,255,.14);
}

/* ---------- Cards / grids ---------- */
.grid{display:grid;gap:26px}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}

.card{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);
  padding:36px 30px;transition:var(--t);position:relative;overflow:hidden;
}
.card::before{
  content:"";position:absolute;left:0;top:0;bottom:0;width:3px;
  background:linear-gradient(180deg,var(--gold-500),var(--gold-300));
  transform:scaleY(0);transform-origin:top;transition:transform .32s;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--sh-2);border-color:transparent}
.card:hover::before{transform:scaleY(1)}
.card__icon{
  width:54px;height:54px;border-radius:var(--r-sm);display:grid;place-items:center;
  background:linear-gradient(135deg,var(--navy-800),var(--navy-600));margin-bottom:22px;
}
.card__icon svg{width:24px;height:24px;fill:var(--gold-400)}
.card h3{margin-bottom:12px}
.card p{font-size:.95rem}
.card__list{margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}
.card__list li{font-size:.88rem;color:var(--muted);padding-left:20px;position:relative;margin-bottom:7px}
.card__list li::before{content:"";position:absolute;left:0;top:10px;width:6px;height:6px;border-radius:50%;background:var(--gold-500)}

.value{text-align:left;padding:34px 28px;background:var(--surface);border-radius:var(--r-md);border:1px solid var(--line);transition:var(--t)}
.value:hover{box-shadow:var(--sh-2);transform:translateY(-5px)}
.value__num{font-family:var(--ff-display);font-size:2.6rem;font-weight:700;color:var(--gold-300);line-height:1;margin-bottom:14px}
.value h3{margin-bottom:10px}
.value p{font-size:.94rem}

/* ---------- Split feature ---------- */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.split__body{max-width:640px}
.split--rev .split__media{order:2}
.split__media{position:relative}
.split__media img{border-radius:var(--r-md);box-shadow:var(--sh-3);width:100%;aspect-ratio:4/3;object-fit:cover}
.split__media::after{
  content:"";position:absolute;inset:22px -22px -22px 22px;border:2px solid var(--gold-400);
  border-radius:var(--r-md);z-index:-1;
}
.split__body p+p{margin-top:16px}
.split__body .btn{margin-top:30px}
.tick{margin-top:26px}
.tick li{padding-left:34px;position:relative;margin-bottom:13px;color:var(--ink-2);font-size:.97rem}
.tick li::before{
  content:"";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:50%;
  background:var(--navy-50);border:1.5px solid var(--gold-500);
}
.tick li::after{
  content:"";position:absolute;left:6.5px;top:10px;width:6px;height:10px;
  border-right:2px solid var(--gold-600);border-bottom:2px solid var(--gold-600);
  transform:rotate(42deg);
}

/* ---------- Team ---------- */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.member{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;transition:var(--t)}
.member:hover{transform:translateY(-7px);box-shadow:var(--sh-3);border-color:transparent}
.member__ph{position:relative;aspect-ratio:1/1;overflow:hidden;background:var(--navy-50)}
.member__ph img{width:100%;height:100%;object-fit:cover;object-position:top center;transition:transform .5s}
.member:hover .member__ph img{transform:scale(1.05)}
.member__ph::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(to top,rgba(10,15,61,.55),transparent 42%);
}
.member__body{padding:26px 24px}
.member__name{font-family:var(--ff-display);font-size:1.28rem;font-weight:700;color:var(--navy-900);line-height:1.25}
.member__desig{
  font-size:.7rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--gold-600);margin:9px 0 12px;
}
.member__quals{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:14px}
.qual{
  font-size:.68rem;font-weight:600;letter-spacing:.05em;padding:4px 10px;border-radius:4px;
  background:var(--navy-50);color:var(--navy-700);border:1px solid var(--line);
}
.member__bio{font-size:.9rem;color:var(--muted);line-height:1.65}

/* ---------- Pricing ---------- */
.region-switch{
  display:inline-flex;background:var(--surface);border:1px solid var(--line);border-radius:999px;
  padding:5px;gap:4px;box-shadow:var(--sh-1);
}
.region-switch button{
  border:0;background:transparent;font-family:var(--ff-body);font-size:.88rem;font-weight:600;
  color:var(--muted);padding:12px 30px;border-radius:999px;cursor:pointer;transition:var(--t);
  display:inline-flex;align-items:center;gap:9px;
}
.region-switch button.active{background:var(--navy-800);color:#fff;box-shadow:var(--sh-1)}
.region-switch button:not(.active):hover{color:var(--navy-800);background:var(--navy-50)}

.fx-bar{
  display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap;
  margin-top:22px;font-size:.85rem;color:var(--muted);
}
.fx-pill{
  display:inline-flex;align-items:center;gap:9px;background:var(--surface);border:1px solid var(--line);
  border-radius:999px;padding:8px 18px;font-weight:600;color:var(--navy-800);box-shadow:var(--sh-1);
}
.fx-dot{width:8px;height:8px;border-radius:50%;background:#12b76a;box-shadow:0 0 0 3px rgba(18,183,106,.18);flex:none}
.fx-dot.stale{background:var(--gold-500);box-shadow:0 0 0 3px rgba(201,162,39,.2)}
.fx-dot.live{animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.45}}

.price-note{
  background:linear-gradient(135deg,var(--navy-50),var(--surface));border:1px solid var(--line);
  border-left:3px solid var(--gold-500);border-radius:var(--r-sm);padding:20px 24px;
  font-size:.9rem;color:var(--ink-2);margin-bottom:34px;
}
.price-note strong{color:var(--navy-900)}

.pcat{margin-bottom:46px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;box-shadow:var(--sh-1)}
.pcat__head{
  display:flex;align-items:center;gap:16px;padding:24px 28px;
  background:linear-gradient(135deg,var(--navy-900),var(--navy-700));
}
.pcat__ico{width:44px;height:44px;border-radius:9px;background:rgba(201,162,39,.16);display:grid;place-items:center;flex:none}
.pcat__ico svg{width:21px;height:21px;fill:var(--gold-400)}
.pcat__head h3{color:#fff;margin:0;font-size:1.4rem}
.pcat__head p{color:#a9b2d8;font-size:.82rem;margin-top:2px}

.ptable{width:100%;border-collapse:collapse}
.ptable thead th{
  text-align:left;font-size:.7rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--muted);padding:14px 28px;background:var(--bg-alt);border-bottom:1px solid var(--line);
}
.ptable thead th:last-child{text-align:right;width:230px}
.ptable td{padding:18px 28px;border-bottom:1px solid var(--line);vertical-align:top}
.ptable tr:last-child td{border-bottom:0}
.ptable tbody tr{transition:background .2s}
.ptable tbody tr:hover{background:var(--navy-50)}
.svc{font-weight:600;color:var(--navy-900);font-size:.96rem;display:flex;align-items:center;gap:9px;flex-wrap:wrap}
.svc__sub{font-size:.83rem;color:var(--muted);margin-top:4px;font-weight:400;line-height:1.5}
.tag-new{
  font-size:.6rem;font-weight:800;letter-spacing:.1em;padding:2px 7px;border-radius:3px;
  background:var(--gold-500);color:var(--navy-900);
}
.price-cell{text-align:right;white-space:nowrap}
.price-main{font-family:var(--ff-display);font-size:1.14rem;font-weight:700;color:var(--navy-900);line-height:1.3}
.price-alt{font-size:.83rem;color:var(--gold-600);font-weight:600;margin-top:2px}
.price-unit{font-size:.76rem;color:var(--muted);font-weight:400}

.intl-banner{
  display:none;background:linear-gradient(135deg,var(--navy-900),var(--navy-700));
  border-radius:var(--r-md);padding:34px 36px;margin-bottom:34px;color:#fff;
}
.intl-banner.show{display:block}
.intl-banner h3{color:#fff;margin-bottom:10px}
.intl-banner p{color:#c3c9e6;font-size:.95rem;max-width:820px}
.saving-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.14);margin-top:26px;border-radius:var(--r-sm);overflow:hidden}
.saving-grid div{background:rgba(255,255,255,.05);padding:20px;text-align:center}
.saving-grid b{display:block;font-family:var(--ff-display);font-size:1.85rem;color:var(--gold-400);line-height:1.1}
.saving-grid span{font-size:.75rem;letter-spacing:.09em;text-transform:uppercase;color:#a9b2d8}

/* ---------- Affiliates ---------- */
.affil{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:18px}
.affil a{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);
  padding:26px 34px;display:grid;place-items:center;min-width:172px;min-height:112px;transition:var(--t);
}
.affil a:hover{transform:translateY(-5px);box-shadow:var(--sh-2);border-color:var(--gold-300)}
.affil img{max-height:56px;width:auto;object-fit:contain;filter:grayscale(1);opacity:.65;transition:var(--t)}
.affil a:hover img{filter:none;opacity:1}

/* ---------- Testimonials ---------- */
.quote{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:34px 30px;
  position:relative;transition:var(--t);
}
.quote:hover{box-shadow:var(--sh-2);transform:translateY(-5px)}
.quote::before{
  content:"“";position:absolute;top:6px;right:24px;font-family:var(--ff-display);
  font-size:5.5rem;color:var(--gold-300);line-height:1;opacity:.5;
}
.quote__stars{color:var(--gold-500);letter-spacing:3px;margin-bottom:14px;font-size:.95rem}
.quote p{font-style:italic;color:var(--ink-2);position:relative;z-index:1;font-size:.97rem}
.quote__by{margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}
.quote__by b{display:block;color:var(--navy-900);font-size:.95rem}
.quote__by span{font-size:.82rem;color:var(--muted)}

/* ---------- CTA band ---------- */
.cta{position:relative;overflow:hidden;background:var(--navy-900);padding:88px 0;text-align:center}
.cta__bg{position:absolute;inset:0}
.cta__bg img{width:100%;height:100%;object-fit:cover;opacity:.16}
.cta__bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,15,61,.92),rgba(16,26,92,.82))}
.cta__in{position:relative;z-index:2;max-width:760px;margin-inline:auto}
.cta h2{color:#fff;margin-bottom:16px}
.cta p{color:#c3c9e6;font-size:1.08rem}
.cta__actions{display:flex;gap:14px;justify-content:center;margin-top:34px;flex-wrap:wrap}

/* ---------- FAQ ---------- */
.faq{max-width:900px;margin-inline:auto}
.faq__i{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:14px;overflow:hidden;transition:var(--t)}
.faq__i.open{border-color:var(--gold-300);box-shadow:var(--sh-1)}
.faq__q{
  width:100%;text-align:left;background:none;border:0;cursor:pointer;
  padding:22px 26px;font-family:var(--ff-display);font-size:1.12rem;font-weight:700;color:var(--navy-900);
  display:flex;justify-content:space-between;align-items:center;gap:20px;
}
.faq__q:hover{color:var(--navy-600)}
.faq__ic{
  width:26px;height:26px;flex:none;border-radius:50%;background:var(--navy-50);
  display:grid;place-items:center;transition:var(--t);position:relative;
}
.faq__ic::before,.faq__ic::after{content:"";position:absolute;background:var(--navy-800);border-radius:2px;transition:var(--t)}
.faq__ic::before{width:11px;height:2px}
.faq__ic::after{width:2px;height:11px}
.faq__i.open .faq__ic{background:var(--gold-500)}
.faq__i.open .faq__ic::after{transform:rotate(90deg);opacity:0}
.faq__a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq__a p{padding:0 26px 24px;font-size:.96rem}

/* ---------- Insights ---------- */
.post{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;transition:var(--t);display:flex;flex-direction:column}
.post:hover{transform:translateY(-7px);box-shadow:var(--sh-3);border-color:transparent}
.post__ph{aspect-ratio:16/10;overflow:hidden}
.post__ph img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.post:hover .post__ph img{transform:scale(1.06)}
.post__body{padding:26px 24px;flex:1;display:flex;flex-direction:column}
.post__meta{display:flex;gap:12px;align-items:center;margin-bottom:12px;font-size:.75rem;color:var(--muted)}
.chip{
  font-size:.66rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  padding:4px 10px;border-radius:3px;background:var(--navy-50);color:var(--navy-700);
}
.post h3{font-size:1.2rem;margin-bottom:10px;line-height:1.3}
.post p{font-size:.9rem;flex:1}
.post__link{margin-top:18px;font-size:.84rem;font-weight:700;color:var(--gold-600);display:inline-flex;align-items:center;gap:7px;letter-spacing:.04em}
.post__link svg{width:12px;height:12px;fill:currentColor;flex:none}
.post:hover .post__link{gap:12px}
.post__link{transition:gap .25s}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.25fr;gap:56px;align-items:start}
.info-card{
  background:linear-gradient(150deg,var(--navy-900),var(--navy-700));border-radius:var(--r-md);
  padding:40px 34px;color:#fff;box-shadow:var(--sh-2);
}
.info-card h3{color:#fff;margin-bottom:8px}
.info-card>p{color:#c3c9e6;font-size:.94rem;margin-bottom:28px}
.info-row{display:flex;gap:16px;padding:18px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.info-row:last-of-type{border-bottom:0}
.info-row__ic{width:40px;height:40px;border-radius:9px;background:rgba(201,162,39,.16);display:grid;place-items:center;flex:none}
.info-row__ic svg{width:17px;height:17px;fill:var(--gold-400)}
.info-row b{display:block;font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-400);margin-bottom:4px;font-weight:700}
.info-row a,.info-row span{color:#e5e9f8;font-size:.93rem;line-height:1.55}
.info-row a:hover{color:var(--gold-300)}
.info-card .socials{margin-top:26px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12)}
.info-card .socials a{width:38px;height:38px}
.info-card .socials a svg{width:16px;height:16px}

.form-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:40px 36px;box-shadow:var(--sh-1)}
.f-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.field{margin-bottom:20px}
.field label{display:block;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-2);margin-bottom:8px}
.field .req{color:#d64545}
.field input,.field select,.field textarea{
  width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:var(--r-sm);
  font-family:var(--ff-body);font-size:.95rem;color:var(--ink);background:var(--surface);transition:var(--t);
}
.field textarea{resize:vertical;min-height:132px}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:0;border-color:var(--navy-600);box-shadow:0 0 0 3px rgba(38,49,143,.11);
}
.check{display:flex;gap:11px;align-items:flex-start;margin-bottom:24px}
.check input{width:17px;height:17px;margin-top:3px;flex:none;accent-color:var(--navy-800)}
.check label{font-size:.86rem;color:var(--muted);text-transform:none;letter-spacing:0;font-weight:400;line-height:1.55}
.check a{color:var(--navy-700);text-decoration:underline}
.form-msg{padding:14px 18px;border-radius:var(--r-sm);font-size:.9rem;margin-bottom:20px;display:none}
.form-msg.ok{display:block;background:#e8f8f0;border:1px solid #9fdfc2;color:#0d6b46}
.form-msg.err{display:block;background:#fdeded;border:1px solid #f5c2c2;color:#a13030}

.map-embed{border-radius:var(--r-md);overflow:hidden;box-shadow:var(--sh-1);border:1px solid var(--line);height:400px}
.map-embed iframe{width:100%;height:100%;border:0;display:block}

/* ---------- Footer ---------- */
.footer{background:var(--navy-900);color:#a8b0d4;padding-top:72px;font-size:.9rem}
.footer__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:44px;padding-bottom:52px}
.footer__brand{display:flex;align-items:center;gap:13px;margin-bottom:20px}
.footer__brand img{width:52px;height:52px;border-radius:9px}
.footer__brand b{font-family:var(--ff-display);font-size:1.34rem;color:#fff;display:block;line-height:1.1}
.footer__brand span{font-size:.62rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-500)}
.footer p{color:#a8b0d4;font-size:.9rem}
.footer h4{
  color:#fff;font-family:var(--ff-body);font-size:.74rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;margin-bottom:20px;
}
.footer__links li{margin-bottom:11px}
.footer__links a{transition:var(--t);display:inline-flex;align-items:center;gap:8px}
.footer__links a:hover{color:var(--gold-400);gap:12px}
.footer__contact li{display:flex;gap:11px;margin-bottom:14px;align-items:flex-start;line-height:1.55}
.footer__contact svg{width:14px;height:14px;fill:var(--gold-500);flex:none;margin-top:5px}
.footer__contact a:hover{color:var(--gold-400)}
.footer .socials{margin-top:22px}
.footer__bottom{
  border-top:1px solid rgba(255,255,255,.1);padding:24px 0;display:flex;
  justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:.82rem;color:#7e88b4;
}
.footer__bottom a:hover{color:var(--gold-400)}
.footer__legal{display:flex;gap:20px;flex-wrap:wrap}

/* ---------- WhatsApp float ---------- */
.wa-float{
  position:fixed;right:22px;bottom:22px;z-index:800;width:56px;height:56px;border-radius:50%;
  background:#25D366;display:grid;place-items:center;box-shadow:0 8px 26px rgba(37,211,102,.44);
  transition:var(--t);
}
.wa-float:hover{transform:scale(1.09) translateY(-2px)}
.wa-float svg{width:28px;height:28px;fill:#fff}

/* ---------- Reveal ---------- */
.rv{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.3,1)}
.rv.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media(max-width:1024px){
  .grid--4{grid-template-columns:repeat(2,1fr)}
  .grid--3{grid-template-columns:repeat(2,1fr)}
  .team-grid{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr;gap:44px}
  .split--rev .split__media{order:0}
  .split__media::after{display:none}
  .contact-grid{grid-template-columns:1fr;gap:34px}
  .nav,.header__cta .btn{display:none}
  .burger{display:flex}
  .hero__cols{grid-template-columns:1fr;gap:36px}
  .hero__figure{display:none}
}
@media(max-width:768px){
  .section{padding:64px 0}
  .grid--2,.grid--3,.grid--4,.team-grid{grid-template-columns:1fr}
  .footer__grid{grid-template-columns:1fr 1fr;gap:34px}
  .f-grid{grid-template-columns:1fr}
  .topbar__contact{display:none}
  .topbar__in{justify-content:center;min-height:40px}
  .saving-grid{grid-template-columns:1fr}
  .hero{min-height:520px}
  .hero__badge{padding:14px 24px;letter-spacing:.06em;width:100%;text-align:center}
  .ptable thead{display:none}
  .ptable td{display:block;padding:6px 20px;border:0}
  .ptable tbody tr{display:block;padding:18px 0;border-bottom:1px solid var(--line)}
  .ptable tbody tr:last-child{border-bottom:0}
  .price-cell{text-align:left;padding-top:10px !important}
  .price-alt{margin-top:0}
  .pcat__head{padding:20px}
  .form-card{padding:28px 22px}
  .info-card{padding:30px 24px}
  .region-switch{width:100%}
  .region-switch button{flex:1;padding:12px 10px;font-size:.8rem;justify-content:center}
  /* Long button labels must wrap rather than push the page sideways */
  .btn{white-space:normal;text-align:center;max-width:100%}
}
@media(max-width:560px){
  .footer__grid{grid-template-columns:1fr}
  .brand__name{font-size:1.2rem}
  .hero__actions .btn{width:100%}
}
@media(prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important;scroll-behavior:auto}
  .rv{opacity:1;transform:none}
}