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

:root {
  --navy: #0a1f44;
  --navy-dark: #061530;
  --gold: #c9a84c;
  --gold-light: #e8c97a;
  --white: #ffffff;
  --off-white: #f8f9fb;
  --light-gray: #f0f2f5;
  --text: #1a1a2e;
  --text-muted: #5a6170;
  --border: #dde2ea;
  --success: #22c55e;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(10,31,68,0.10);
  --shadow-lg: 0 8px 40px rgba(10,31,68,0.15);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
}

h1,h2,h3,h4 { font-family: 'Playfair Display', serif; line-height: 1.2; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); }
h3 { font-size: 1.3rem; }
h4 { font-size: 1.05rem; }

p { color: var(--text-muted); }

a { text-decoration: none; color: inherit; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section { padding: 5rem 0; }
.bg-light { background: var(--light-gray); }
.bg-dark { background: var(--navy-dark); color: var(--white); }
.bg-dark p { color: rgba(255,255,255,0.75); }

/* ===================== BUTTONS ===================== */
.btn {
  display: inline-block;
  padding: 0.85rem 2rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.3s ease;
  border: none;
  letter-spacing: 0.03em;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(201,168,76,0.4); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.6);
}
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }
.btn-large { padding: 1.1rem 3rem; font-size: 1.1rem; }

/* ===================== SECTION HEADERS ===================== */
.section-header { text-align: center; margin-bottom: 3rem; }
.section-header h2 { margin: 0.5rem 0 1rem; }
.section-eyebrow {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(201,168,76,0.1);
  padding: 0.3rem 1rem;
  border-radius: 50px;
  display: inline-block;
}
.section-eyebrow.light { color: var(--gold-light); background: rgba(201,168,76,0.15); }
.section-header.light h2 { color: var(--white); }
.section-header.light .section-sub { color: rgba(255,255,255,0.75); }
.section-sub { max-width: 640px; margin: 0 auto; font-size: 1.05rem; }

/* ===================== NAVBAR ===================== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(6,21,48,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  transition: box-shadow 0.3s;
}
.navbar.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,0.3); }
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.logo { display: flex; flex-direction: row; align-items: baseline; gap: 0.5rem; cursor: pointer; white-space: nowrap; }
.logo-ana { font-family: 'Playfair Display', serif; font-size: 1.5rem; font-weight: 700; color: var(--white); }
.logo-paisa { font-family: 'Playfair Display', serif; font-size: 1.5rem; font-weight: 700; color: var(--gold); }
.logo-tag { font-size: 0.65rem; letter-spacing: 0.06em; color: rgba(255,255,255,0.6); text-transform: uppercase; line-height: 1; }
.nav-links {
  display: flex;
  list-style: none;
  gap: 0.2rem;
}
.nav-links a {
  color: rgba(255,255,255,0.8);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 0.5rem 0.85rem;
  border-radius: 6px;
  transition: all 0.2s;
}
.nav-links a:hover { color: var(--gold); background: rgba(201,168,76,0.08); }
.hamburger {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.5rem;
  cursor: pointer;
}

/* ===================== HERO ===================== */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  background: linear-gradient(135deg, var(--navy-dark) 0%, #0e2a5c 50%, #162d5a 100%);
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(201,168,76,0.05) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23c9a84c' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-content {
  position: relative;
  z-index: 1;
  padding: 8rem 1.5rem 4rem;
}
.hero-eyebrow {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(201,168,76,0.12);
  padding: 0.4rem 1.2rem;
  border-radius: 50px;
  display: inline-block;
  margin-bottom: 1.5rem;
}
.hero h1 { color: var(--white); margin-bottom: 1.5rem; font-weight: 700; }
.hero-sub {
  color: rgba(255,255,255,0.75);
  font-size: 1.15rem;
  max-width: 580px;
  margin-bottom: 2.5rem;
  line-height: 1.8;
}
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero-scroll-hint {
  position: absolute;
  bottom: 2rem;
  left: 50%;
  transform: translateX(-50%);
  color: rgba(255,255,255,0.4);
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  animation: bounce 2s infinite;
}
@keyframes bounce { 0%,100%{transform:translateX(-50%) translateY(0)} 50%{transform:translateX(-50%) translateY(-8px)} }

/* ===================== TRUST BAR ===================== */
.trust-bar {
  background: var(--navy);
  padding: 1.5rem 0;
  border-bottom: 1px solid rgba(201,168,76,0.2);
}
.trust-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 0.5rem 2.5rem;
}
.trust-number {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--gold);
}
.trust-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.trust-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.15);
}

/* ===================== ABOUT ===================== */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.about-text h2 { margin-bottom: 1.5rem; }
.about-text p { margin-bottom: 1rem; }
.about-visual {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.about-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  transition: transform 0.2s;
}
.about-card:hover { transform: translateX(6px); border-color: var(--gold); }
.about-icon { font-size: 1.8rem; flex-shrink: 0; }
.about-card h3 { font-size: 1rem; margin-bottom: 0.3rem; color: var(--navy); }
.about-card p { font-size: 0.9rem; margin: 0; }

/* ===================== SERVICES ===================== */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow);
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transition: transform 0.3s;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon { font-size: 2.2rem; margin-bottom: 1rem; }
.service-card h3 { color: var(--navy); margin-bottom: 0.75rem; }

/* ===================== PARTNERS ===================== */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
}
.partner-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2.5rem 2rem;
  box-shadow: var(--shadow);
  text-align: center;
  transition: transform 0.3s;
}
.partner-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.partner-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  color: var(--gold);
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  border: 3px solid var(--gold);
}
.partner-card h3 { color: var(--navy); margin-bottom: 0.3rem; }
.partner-role {
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.partner-bio { font-size: 0.95rem; margin-bottom: 1rem; }
.partner-location { font-size: 0.85rem; color: var(--text-muted); }

.consultants-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
@media (max-width: 700px) {
  .consultants-grid { grid-template-columns: 1fr; }
}
.consultant-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem;
  text-align: center;
  box-shadow: var(--shadow);
  transition: transform 0.2s;
}
.consultant-card:hover { transform: translateY(-4px); }
.consultant-photo {
  width: 110px; height: 110px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top;
  border: 3px solid var(--gold);
  margin: 0 auto 1rem;
  display: block;
}
.consultant-card h4 { color: var(--navy); margin-bottom: 0.3rem; font-size: 1rem; }
.consultant-role {
  color: var(--gold);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}
.consultant-card p { font-size: 0.88rem; }

/* ===================== PERFORMANCE ===================== */
.perf-table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}
.perf-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
}
.perf-table th {
  background: var(--navy);
  color: var(--white);
  padding: 1rem 1.2rem;
  text-align: left;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  white-space: nowrap;
}
.perf-table td {
  padding: 0.9rem 1.2rem;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
  color: var(--text);
}
.perf-table tr:last-child td { border-bottom: none; }
.perf-table tr:hover td { background: rgba(201,168,76,0.04); }
.risk {
  display: inline-block;
  padding: 0.2rem 0.7rem;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 600;
}
.risk.low { background: #dcfce7; color: #166534; }
.risk.moderate { background: #fef3c7; color: #92400e; }
.risk.high { background: #fee2e2; color: #991b1b; }
.disclaimer { font-size: 0.8rem; text-align: center; margin-top: 1.5rem; color: var(--text-muted); font-style: italic; }

/* ===================== WHY US ===================== */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.why-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.5rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--white);
  box-shadow: var(--shadow);
  transition: transform 0.2s;
}
.why-item:hover { transform: translateY(-3px); }
.why-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 0.1rem; }
.why-item h4 { color: var(--navy); margin-bottom: 0.3rem; }
.why-item p { font-size: 0.9rem; margin: 0; }

/* ===================== KYC FORM ===================== */
.kyc-notice {
  background: rgba(201,168,76,0.15);
  border: 1px solid var(--gold);
  border-radius: var(--radius);
  padding: 1rem 1.5rem;
  margin: 1.5rem auto 0;
  max-width: 700px;
  font-size: 0.9rem;
  color: var(--gold-light);
}
.kyc-form {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 16px;
  padding: 2.5rem;
  margin-top: 2rem;
  backdrop-filter: blur(10px);
}
.form-section-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  color: var(--gold);
  margin: 2rem 0 1.2rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid rgba(201,168,76,0.3);
}
.form-section-title:first-child { margin-top: 0; }
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
}
.form-group { display: flex; flex-direction: column; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 0.85rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  margin-bottom: 0.5rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 8px;
  padding: 0.8rem 1rem;
  color: var(--white);
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  transition: border-color 0.2s, background 0.2s;
  outline: none;
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: rgba(255,255,255,0.35); }
.form-group select option { background: var(--navy-dark); color: var(--white); }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  background: rgba(201,168,76,0.08);
}
.req { color: #f87171; }

/* Upload Box */
.upload-box {
  position: relative;
  border: 2px dashed rgba(255,255,255,0.2);
  border-radius: 8px;
  transition: border-color 0.2s;
  cursor: pointer;
}
.upload-box:hover { border-color: var(--gold); }
.upload-box.uploaded { border-color: var(--success); background: rgba(34,197,94,0.05); }
.upload-box input[type="file"] {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
  width: 100%;
  height: 100%;
  z-index: 2;
}
.upload-box label {
  display: block;
  text-align: center;
  padding: 1.5rem;
  cursor: pointer;
  color: rgba(255,255,255,0.6);
  font-size: 0.88rem;
  line-height: 1.8;
}
.upload-icon { font-size: 1.8rem; }
.upload-box label.uploaded-label { color: var(--success); }

/* KYC Consent */
.kyc-consent {
  margin-top: 2rem;
  padding: 1.5rem;
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: var(--radius);
  background: rgba(201,168,76,0.05);
}
.checkbox-label {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  cursor: pointer;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.6;
}
.checkbox-label input[type="checkbox"] {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--gold);
  cursor: pointer;
}

/* KYC Success */
.kyc-success {
  display: none;
  text-align: center;
  padding: 3rem;
  background: rgba(34,197,94,0.1);
  border: 1px solid rgba(34,197,94,0.3);
  border-radius: var(--radius);
  margin-top: 2rem;
}
.kyc-success.show { display: block; }
.success-icon {
  width: 70px; height: 70px;
  border-radius: 50%;
  background: var(--success);
  color: white;
  font-size: 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
}
.kyc-success h3 { color: var(--white); margin-bottom: 1rem; }

/* ===================== CONTACT ===================== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.contact-info .section-eyebrow { display: inline-block; margin-bottom: 1rem; }
.contact-info h2 { margin-bottom: 1rem; }
.contact-items { margin-top: 2rem; display: flex; flex-direction: column; gap: 1.5rem; }
.contact-item { display: flex; gap: 1rem; align-items: flex-start; }
.contact-icon { font-size: 1.3rem; flex-shrink: 0; margin-top: 2px; }
.contact-item strong { display: block; color: var(--navy); margin-bottom: 0.2rem; font-size: 0.9rem; }
.contact-item p, .contact-item { font-size: 0.95rem; }

.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}
.contact-form h3 { margin-bottom: 1.5rem; color: var(--navy); }
.contact-form .form-group { margin-bottom: 1.2rem; }
.contact-form label { font-size: 0.85rem; font-weight: 500; margin-bottom: 0.4rem; display: block; color: var(--text); }
.contact-form input,
.contact-form textarea {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 0.8rem 1rem;
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--off-white);
  outline: none;
  transition: border-color 0.2s;
}
.contact-form input:focus, .contact-form textarea:focus { border-color: var(--gold); background: var(--white); }
.contact-success {
  display: none;
  text-align: center;
  margin-top: 1rem;
  padding: 0.75rem;
  background: #dcfce7;
  color: #166534;
  border-radius: 8px;
  font-weight: 500;
}
.contact-success.show { display: block; }

/* ===================== FOOTER ===================== */
.footer {
  background: var(--navy-dark);
  border-top: 1px solid rgba(201,168,76,0.2);
  color: rgba(255,255,255,0.7);
  padding-top: 4rem;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 2fr;
  gap: 3rem;
  padding-bottom: 3rem;
}
.footer-brand p { font-size: 0.88rem; margin-top: 1rem; line-height: 1.8; color: rgba(255,255,255,0.5); }
.footer-links h4 { color: var(--gold); font-size: 0.9rem; margin-bottom: 1rem; font-family: 'Inter', sans-serif; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; }
.footer-links ul { list-style: none; }
.footer-links ul li { margin-bottom: 0.6rem; font-size: 0.88rem; color: rgba(255,255,255,0.55); }
.footer-links ul li a:hover { color: var(--gold); }
.footer-disclaimer h4 { color: var(--gold); font-size: 0.9rem; margin-bottom: 1rem; font-family: 'Inter', sans-serif; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; }
.footer-disclaimer p { font-size: 0.82rem; color: rgba(255,255,255,0.45); line-height: 1.7; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  text-align: center;
  padding: 1.2rem 0;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.35);
}

/* ===================== FAB ===================== */
.fab {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  padding: 0.75rem 1.25rem;
  border-radius: 50px;
  box-shadow: 0 4px 20px rgba(201,168,76,0.5);
  z-index: 999;
  transition: all 0.3s;
}
.fab:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(201,168,76,0.6); }

/* ===================== RESPONSIVE ===================== */
@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .contact-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 2rem; }
}

@media (max-width: 700px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: 70px; left: 0; right: 0; background: var(--navy-dark); padding: 1rem; gap: 0.2rem; }
  .nav-links.open { display: flex; }
  .hamburger { display: block; }
  .form-grid { grid-template-columns: 1fr; }
  .form-group.full { grid-column: 1; }
  .trust-divider { display: none; }
  .trust-item { padding: 0.5rem 1rem; }
  .partners-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .kyc-form { padding: 1.5rem; }
  .hero-cta { flex-direction: column; }
  .hero-cta .btn { text-align: center; }
}