/* ==========================================================================
   Izafa Wealth — Core Stylesheet
   Designed by Quantum Webtech
   ========================================================================== */

:root{
  --ink:#0B1B3A;        /* body text            */
  --navy:#14326E;       /* brand navy (logo)    */
  --navy-deep:#0D2150;  /* dark sections        */
  --blue:#2155B0;       /* accent text / icons  */
  --gold:#FFC20E;       /* brand yellow (logo)  */
  --gold-soft:#FFD75E;
  --paper:#F6F8FC;
  --mist:#E3EAF6;
  --line:#D8E1F0;
  --muted:#5A6A86;
  --white:#ffffff;

  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Manrope","Segoe UI",Helvetica,Arial,sans-serif;

  --arch:140px 140px 10px 10px;
  --arch-sm:90px 90px 8px 8px;
  --shadow:0 24px 60px rgba(11,27,58,.14);
  --shadow-sm:0 10px 30px rgba(11,27,58,.10);
  --topbar-h:42px;
  --header-h:80px;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--sans);
  font-size:16.5px;
  line-height:1.75;
  color:var(--ink);
  background:var(--paper);
  overflow-x:hidden;
}
body.no-scroll{overflow:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{margin:0;padding:0}
button{font-family:inherit}

h1,h2,h3,h4{
  font-family:var(--serif);
  font-weight:600;
  line-height:1.16;
  letter-spacing:-.015em;
  margin:0 0 .5em;
  color:var(--navy);
}
h1{font-size:clamp(1.7rem,6vw,3.6rem)}
h2{font-size:clamp(1.35rem,4.4vw,2.6rem)}
h3{font-size:clamp(1.1rem,2.4vw,1.45rem)}
h4{font-size:1.05rem}
p{margin:0 0 1.05em;max-width:72ch}

/* Headings held to one line */
.oneline{white-space:nowrap}
h1.oneline{font-size:clamp(1.1rem,5.5vw,3.5rem)}
h2.oneline{font-size:clamp(.98rem,4.8vw,2.5rem)}
h3.oneline{font-size:clamp(.92rem,3.3vw,1.4rem)}

:focus-visible{outline:3px solid var(--blue);outline-offset:3px}

/* ---------- Layout ---------------------------------------------------- */
.container{width:85%;max-width:1280px;margin-inline:auto}
@media (max-width:900px){.container{width:90%}}

.section{padding:clamp(56px,7.5vw,110px) 0}
.section--tint{background:var(--white)}
.section--sand{background:linear-gradient(180deg,#EAF0FA,#F6F8FC)}
.section--dark{background:var(--navy-deep);color:#E6EDF9}
.section--dark h2,.section--dark h3{color:var(--white)}
.section--dark p{color:#C2D1EA}

.lede{font-size:1.06rem;color:var(--muted)}
.section--dark .lede{color:#B9C8E2}
.center{text-align:center}
.center p{margin-inline:auto}

.kicker{
  display:inline-flex;align-items:center;gap:9px;
  font-size:.83rem;font-weight:700;color:var(--blue);
  letter-spacing:.02em;margin-bottom:12px;
}
.kicker::before{content:"";width:26px;height:2px;background:var(--gold);display:block}
.section--dark .kicker{color:var(--gold)}

.rule{height:1px;background:var(--line);border:0;margin:0}

/* ---------- Buttons --------------------------------------------------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  padding:13px 26px;border-radius:999px;border:1.5px solid transparent;
  font-size:.93rem;font-weight:700;cursor:pointer;
  transition:background .25s,color .25s,border-color .25s;
}
.btn--gold{background:var(--gold);color:#0D2150}
.btn--gold:hover{background:#E3A800;color:#0D2150}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:var(--blue)}
.btn--ghost{border-color:var(--navy);color:var(--navy)}
.btn--ghost:hover{background:var(--navy);color:#fff}
.btn--light{border-color:rgba(255,255,255,.5);color:#fff}
.btn--light:hover{background:#fff;color:var(--navy)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}

/* ---------- Top bar --------------------------------------------------- */
.topbar{background:var(--navy-deep);color:#CFE0DB;font-size:.82rem}
.topbar .container{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:var(--topbar-h)}
.topbar-arn{display:flex;align-items:center;gap:10px;font-weight:600;letter-spacing:.01em}
.topbar-arn b{color:var(--gold);font-weight:700}
.topbar-contact{display:flex;align-items:center;gap:22px;font-weight:600}
.topbar-contact a{display:inline-flex;align-items:center;gap:8px;white-space:nowrap}
.topbar-contact a:hover{color:var(--gold)}
.topbar svg{width:14px;height:14px;fill:var(--gold);flex:none}

/* ---------- Header ---------------------------------------------------- */
.site-header{
  position:sticky;top:0;z-index:1000;background:rgba(246,248,252,.96);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:var(--header-h)}

.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand-mark-wrap{
  display:inline-flex;align-items:center;justify-content:center;flex:none;
  background:#fff;border-radius:14px;padding:6px 10px;
  box-shadow:0 2px 10px rgba(11,27,58,.1);
}
.brand-mark{height:46px;width:auto;display:block;object-fit:contain}
.brand-mark-wrap--footer{box-shadow:0 2px 14px rgba(0,0,0,.18)}
.brand-mark-wrap--footer .brand-mark{height:50px}

.main-nav>ul{display:flex;align-items:center;gap:26px;list-style:none}
.main-nav>ul>li{position:relative}
.main-nav a{font-size:.93rem;font-weight:600;color:var(--ink);padding:10px 0;display:inline-flex;align-items:center;gap:6px;white-space:nowrap}
.main-nav a:hover,.main-nav .is-active>a{color:var(--blue)}
.has-drop>a::after{content:"";width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.dropdown{
  position:absolute;top:calc(100% + 12px);left:-18px;min-width:262px;
  background:#fff;border:1px solid var(--line);border-radius:4px 4px 14px 14px;
  box-shadow:var(--shadow);padding:10px;list-style:none;
  opacity:0;visibility:hidden;transform:translateY(8px);transition:.22s;
}
.has-drop:hover .dropdown,.has-drop:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:9px 14px;border-radius:8px;font-weight:600;font-size:.9rem}
.dropdown a:hover{background:var(--paper);color:var(--navy)}
.dropdown::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}

.header-cta{display:flex;align-items:center;gap:10px;flex:none}
.header-cta .btn{padding:11px 22px;font-size:.87rem}

.nav-toggle{
  display:none;width:46px;height:42px;border:1px solid var(--line);background:#fff;
  border-radius:10px;cursor:pointer;padding:0;place-items:center;
}
.nav-toggle span{display:block;width:20px;height:2px;background:var(--navy);position:relative}
.nav-toggle span::before,.nav-toggle span::after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--navy);transition:.25s}
.nav-toggle span::before{top:-6px}
.nav-toggle span::after{top:6px}
.nav-open .nav-toggle span{background:transparent}
.nav-open .nav-toggle span::before{top:0;transform:rotate(45deg)}
.nav-open .nav-toggle span::after{top:0;transform:rotate(-45deg)}

/* ---------- Hero ------------------------------------------------------ */
.hero{position:relative;background:var(--paper);padding:clamp(40px,5vw,72px) 0 clamp(56px,6vw,96px);overflow:hidden;z-index:1}
.hero::after{
  content:"";position:absolute;right:-180px;top:-120px;width:520px;height:520px;
  border-radius:50%;background:radial-gradient(circle,rgba(255,194,14,.22),transparent 66%);pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:clamp(28px,4vw,60px);align-items:center;position:relative;z-index:2}
.hero h1{margin-bottom:18px}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero-note{display:flex;align-items:center;gap:10px;font-size:.86rem;font-weight:700;color:var(--blue);margin-bottom:14px}
.hero-note::before{content:"";width:34px;height:2px;background:var(--gold)}
.hero p{font-size:1.05rem;color:var(--muted)}

.hero-figs{position:relative}
.hero-figs::before{
  content:"";position:absolute;inset:18px -18px -18px 18px;border:1.5px solid var(--gold);
  border-radius:30px;pointer-events:none;
}
.hero-single{margin:0;position:relative;overflow:hidden;border-radius:30px;background:var(--mist);aspect-ratio:1/1;box-shadow:var(--shadow)}
.hero-single img{width:100%;height:100%;object-fit:cover}

.hero-strip{margin-top:clamp(34px,4vw,54px);border-top:1px solid var(--line);padding-top:26px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative;z-index:2}
.hero-strip div strong{display:block;font-family:var(--serif);font-size:clamp(1.3rem,2.4vw,1.9rem);color:var(--navy);line-height:1.1}
.hero-strip div span{font-size:.84rem;color:var(--muted);font-weight:600}

/* ---------- Page banner ---------------------------------------------- */
.page-banner{position:relative;z-index:1;background:var(--navy-deep);color:#fff;overflow:hidden}
.page-banner img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.3}
.page-banner .container{position:relative;padding:clamp(54px,7vw,104px) 0}
.page-banner h1{color:#fff;margin-bottom:10px}
.breadcrumb{font-size:.86rem;color:#C2CFE8;font-weight:600}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb span{color:var(--gold)}

/* ---------- Split sections -------------------------------------------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4.4vw,64px);align-items:stretch}
.split>*{align-self:center}
.split-media{align-self:stretch}
.split-media{position:relative;min-height:100%}
.split-media>img{width:100%;height:100%;min-height:clamp(340px,40vw,530px);object-fit:cover;border-radius:var(--arch)}
.split-media.is-right{order:2}
.split-media .inset{
  position:absolute;right:-18px;bottom:-26px;width:44%;max-width:230px;
  border-radius:10px;border:6px solid var(--paper);box-shadow:var(--shadow-sm);
}
.split-media .badge{
  position:absolute;left:-20px;bottom:36px;background:var(--gold);color:#0D2150;
  padding:16px 20px;border-radius:12px;box-shadow:var(--shadow-sm);max-width:200px;
}
.split-media .badge strong{display:block;font-family:var(--serif);font-size:1.5rem;line-height:1}
.split-media .badge span{font-size:.78rem;font-weight:700}

.ticks{list-style:none;display:grid;gap:12px;margin:22px 0 0}
.ticks li{position:relative;padding-left:32px;font-size:.97rem}
.ticks li::before{
  content:"";position:absolute;left:0;top:7px;width:18px;height:18px;border-radius:50%;
  background:rgba(33,85,176,.12);
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232155B0' stroke-width='3.4'><path d='M4 12.6l5.2 5.2L20 7'/></svg>");
  background-size:11px;background-repeat:no-repeat;background-position:center;
}
.section--dark .ticks li::before{background-color:rgba(255,194,14,.2);
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23FFC20E' stroke-width='3.4'><path d='M4 12.6l5.2 5.2L20 7'/></svg>")}

/* ---------- Cards / grids --------------------------------------------- */
.grid{display:grid;gap:clamp(20px,2.4vw,30px)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}

.head-row{display:flex;align-items:flex-end;justify-content:space-between;gap:26px;margin-bottom:clamp(28px,3.4vw,46px)}
.head-row p{margin:0}

.card{
  background:#fff;border:1px solid var(--line);border-radius:4px 4px 16px 16px;
  overflow:hidden;display:flex;flex-direction:column;
  transition:box-shadow .3s,transform .3s;
}
.card:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.card-media{position:relative;overflow:hidden;background:var(--mist)}
.card-media img{width:100%;height:230px;object-fit:cover;transition:transform .6s ease}
.card:hover .card-media img{transform:scale(1.05)}
.card-body{padding:24px 24px 26px;display:flex;flex-direction:column;flex:1}
.card-body h3{margin-bottom:8px}
.card-body p{font-size:.94rem;color:var(--muted);margin-bottom:16px;flex:1}
.card-link{font-weight:700;font-size:.88rem;color:var(--blue);display:inline-flex;align-items:center;gap:8px}
.card-link:hover{color:var(--navy-deep)}
.card-link svg{width:15px;height:15px;fill:currentColor}

.svc-card .card-media{border-radius:0}
.svc-card .card-media img{height:250px}

.product-card{background:#fff;border:1px solid var(--line);border-radius:4px 4px 14px 14px;overflow:hidden;transition:.3s}
.product-card:hover{box-shadow:var(--shadow-sm);border-color:var(--blue)}
.product-card img{width:100%;height:196px;object-fit:cover}
.product-card .pc-body{padding:20px 22px 24px}
.product-card h3{font-size:1.12rem;margin-bottom:6px}
.product-card p{font-size:.9rem;color:var(--muted);margin:0}

.feature{background:#fff;border:1px solid var(--line);border-radius:4px 4px 14px 14px;padding:28px 24px}
.feature .ic{
  width:52px;height:52px;border-radius:30px 30px 6px 6px;display:grid;place-items:center;
  background:rgba(33,85,176,.1);margin-bottom:16px;
}
.feature .ic svg{width:24px;height:24px;stroke:var(--blue);fill:none;stroke-width:1.8}
.feature h3{font-size:1.08rem;margin-bottom:7px}
.feature p{font-size:.93rem;color:var(--muted);margin:0}
.section--dark .feature p{color:#fff}
.section--dark .feature{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.13)}
.section--dark .feature .ic{background:rgba(255,194,14,.18)}
.section--dark .feature .ic svg{stroke:var(--gold)}

/* Steps (a real sequence) */
.steps{counter-reset:s;display:grid;gap:clamp(18px,2vw,26px)}
.step{position:relative;padding:24px 26px 26px 76px;background:#fff;border:1px solid var(--line);border-radius:4px 4px 14px 14px}
.step::before{
  counter-increment:s;content:counter(s,decimal-leading-zero);
  position:absolute;left:24px;top:24px;font-family:var(--serif);font-size:1.5rem;color:var(--blue);line-height:1;
}
.step h3{font-size:1.06rem;margin-bottom:5px}
.step p{font-size:.93rem;color:var(--muted);margin:0}

/* ---------- Quote / CTA band ------------------------------------------ */
.band{position:relative;overflow:hidden;background:var(--navy-deep)}
.band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.26}
.band .container{position:relative;padding:clamp(54px,6vw,92px) 0;text-align:center}
.band h2{color:#fff}
.band .kicker{color:var(--gold)}
.band p{color:#C3D2EB;margin-inline:auto}
.band .btn-row{justify-content:center}

/* ---------- Accordion -------------------------------------------------- */
.acc{border:1px solid var(--line);border-radius:4px 4px 14px 14px;overflow:hidden;background:#fff}
.acc + .acc{margin-top:14px}
.acc-btn{
  width:100%;background:none;border:0;text-align:left;padding:20px 56px 20px 24px;
  font-size:1rem;font-weight:700;color:var(--navy);cursor:pointer;position:relative;font-family:var(--serif);
}
.acc-btn::after{content:"+";position:absolute;right:24px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--blue);font-family:var(--sans)}
.acc.open .acc-btn::after{content:"–"}
.acc-panel{max-height:0;overflow:hidden;transition:max-height .35s ease}
.acc-panel p{padding:0 24px 22px;margin:0;font-size:.95rem;color:var(--muted)}

/* ---------- Contact ---------------------------------------------------- */
.info-card{background:#fff;border:1px solid var(--line);border-radius:4px 4px 14px 14px;padding:26px 24px;display:flex;gap:16px}
.info-card .ic{width:46px;height:46px;flex:none;border-radius:26px 26px 6px 6px;background:rgba(33,85,176,.1);display:grid;place-items:center}
.info-card .ic svg{width:21px;height:21px;stroke:var(--blue);fill:none;stroke-width:1.8}
.info-card h3{font-size:1.02rem;margin-bottom:4px}
.info-card p,.info-card a{font-size:.94rem;color:var(--muted);margin:0;word-break:break-word}
.info-card a:hover{color:var(--blue)}

.form-wrap{background:#fff;border:1px solid var(--line);border-radius:4px 4px 18px 18px;padding:clamp(24px,3vw,40px)}
.field{margin-bottom:18px}
.field label{display:block;font-size:.85rem;font-weight:700;margin-bottom:7px}
.field input,.field select,.field textarea{
  width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:10px;
  font-family:inherit;font-size:.95rem;background:var(--paper);color:var(--ink);
}
.field textarea{min-height:130px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);background:#fff}
.form-note{font-size:.82rem;color:var(--muted);margin-top:14px}
.form-status{margin-top:14px;font-size:.9rem;font-weight:700;color:var(--blue);display:none}

.map-full{line-height:0;border-top:1px solid var(--line)}
.map-full iframe{width:100%;height:440px;border:0;filter:grayscale(.2)}

/* ---------- Policy / article pages ------------------------------------ */
.doc{width:85%;max-width:1000px;margin-inline:auto;padding:clamp(48px,6vw,86px) 0}
@media (max-width:900px){.doc{width:90%}}
.doc h2{margin-top:2em;font-size:clamp(1.2rem,3.4vw,1.75rem)}
.doc h2:first-of-type{margin-top:0}
.doc h3{margin-top:1.6em;font-size:1.1rem}
.doc p,.doc li{color:#2C3A52;font-size:1rem}
.doc ul,.doc ol{margin:0 0 1.1em;padding-left:22px}
.doc li{margin-bottom:8px}
.doc .callout{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:20px 22px;margin:26px 0}
.doc .callout p{margin:0}
.doc .updated{font-size:.86rem;color:var(--muted);font-weight:700}
.link-list{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:14px;padding:0}
.link-list li{margin:0}
.link-list a{display:flex;align-items:center;justify-content:space-between;gap:14px;background:#fff;border:1px solid var(--line);border-radius:4px 4px 12px 12px;padding:16px 20px;font-weight:700;font-size:.95rem;transition:.25s}
.link-list a:hover{border-color:var(--blue);color:var(--blue);transform:translateX(3px)}
.link-list svg{width:16px;height:16px;fill:var(--blue);flex:none}

/* ---------- Footer ----------------------------------------------------- */
.site-footer{background:var(--navy-deep);color:#BBC9E2;padding:clamp(48px,5.5vw,80px) 0 0;font-size:.94rem}
.footer-grid{display:grid;grid-template-columns:1.45fr .85fr .85fr 1.15fr;gap:clamp(26px,3vw,48px)}
.site-footer h4{color:#fff;font-size:1.02rem;margin-bottom:18px}
.site-footer a:hover{color:var(--gold)}
.f-brand{display:flex;align-items:center;gap:12px;margin-bottom:18px}
.f-list{list-style:none;display:grid;gap:10px}
.f-contact{list-style:none;display:grid;gap:14px}
.f-contact li{display:flex;gap:12px;align-items:flex-start}
.f-contact svg{width:17px;height:17px;fill:var(--gold);flex:none;margin-top:4px}
.grievance-full{
  margin-top:clamp(32px,4vw,48px);background:rgba(255,255,255,.06);
  border:1px solid rgba(255,194,14,.32);border-radius:4px 4px 16px 16px;
  padding:24px clamp(20px,3vw,32px);
  display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;
}
.grievance-full h4{margin-bottom:6px;font-size:1.05rem}
.grievance-full p{margin:0;font-size:.92rem;color:#C3D2EB;max-width:62ch}
.grievance-full a{color:var(--gold);font-weight:700}
.gr-contacts{display:flex;flex-direction:column;gap:6px;text-align:right;font-size:.98rem;flex:none}
.gr-contacts a{white-space:nowrap}
@media (max-width:420px){.gr-contacts a{white-space:normal;word-break:break-word}}
.footer-disc{margin-top:clamp(34px,4vw,52px);padding-top:26px;border-top:1px solid rgba(255,255,255,.12);font-size:.84rem;color:#9FB1D0}
.footer-disc p{max-width:none}
.copybar{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding:18px 0}
.copybar .container{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.86rem}
.copybar a{color:var(--gold);font-weight:700}

/* ---------- Floating elements ----------------------------------------- */
.wa-float{
  position:fixed;right:20px;bottom:22px;width:56px;height:56px;border-radius:50%;
  background:#25D366;display:grid;place-items:center;z-index:900;
  box-shadow:0 10px 26px rgba(37,211,102,.4);
}
.wa-float svg{width:30px;height:30px;fill:#fff}
.wa-float:hover{transform:scale(1.06)}
.to-top{
  position:fixed;left:20px;bottom:22px;width:48px;height:48px;border-radius:50%;
  background:var(--navy);border:0;color:#fff;cursor:pointer;display:grid;place-items:center;z-index:900;
  opacity:0;visibility:hidden;transition:.3s;box-shadow:var(--shadow-sm);
}
.to-top.show{opacity:1;visibility:visible}
.to-top:hover{background:var(--gold);color:#0D2150}
.to-top svg{width:19px;height:19px;stroke:currentColor;fill:none;stroke-width:2.4}

/* ---------- Disclaimer modal ------------------------------------------ */
.modal{
  position:fixed;inset:0;z-index:2000;background:rgba(13,33,80,.78);
  display:none;align-items:center;justify-content:center;padding:20px;
}
.modal.open{display:flex}
.modal-box{
  background:var(--paper);border-radius:6px 6px 18px 18px;max-width:640px;width:100%;
  max-height:88vh;overflow-y:auto;padding:clamp(26px,3vw,40px);position:relative;box-shadow:var(--shadow);
  border-top:5px solid var(--gold);
}
.modal-box h3{margin-bottom:12px;font-size:1.3rem}
.modal-box p{font-size:.94rem;color:#2C3A52;margin-bottom:22px}
.modal-close{
  position:absolute;top:12px;right:12px;width:36px;height:36px;border-radius:50%;
  border:1px solid var(--line);background:#fff;cursor:pointer;color:var(--navy);
  font-size:1.2rem;line-height:1;display:grid;place-items:center;
}
.modal-close:hover{background:var(--navy);color:#fff}
.modal .btn-row{margin:0}

/* ---------- Responsive ------------------------------------------------- */
@media (max-width:1100px){
  .main-nav>ul{gap:18px}
  .main-nav a{font-size:.88rem}
  .header-cta .btn{padding:10px 16px;font-size:.82rem}
}
@media (max-width:1024px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .hero-single{aspect-ratio:16/10}
}
@media (max-width:980px){
  .nav-toggle{display:grid}
  .header-cta{display:none}
  .main-nav{
    position:fixed;top:0;right:-100%;width:min(86%,360px);height:100dvh;background:var(--paper);
    z-index:1400;padding:84px 22px 40px;overflow-y:auto;transition:right .35s ease;
    box-shadow:-20px 0 50px rgba(11,27,58,.2);
  }
  .nav-open .main-nav{right:0}
  .main-nav>ul{flex-direction:column;align-items:stretch;gap:0}
  .main-nav>ul>li{border-bottom:1px solid var(--line)}
  .main-nav a{display:flex;justify-content:space-between;padding:11px 4px;font-size:.88rem}
  .has-drop>a::after{transition:transform .25s}
  .has-drop.open>a::after{transform:rotate(-135deg) translateY(-2px)}
  .dropdown{
    position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;
    background:transparent;padding:0 0 6px;min-width:0;max-height:0;overflow:hidden;transition:max-height .3s ease;
  }
  .has-drop.open .dropdown{max-height:560px}
  .dropdown a{padding:8px 12px;font-size:.83rem;font-weight:600;color:var(--muted)}
  .nav-cta{display:grid;gap:10px;margin-top:22px}
  .nav-cta .btn{width:100%;padding:12px 18px;font-size:.88rem}
  .nav-backdrop{position:fixed;inset:0;background:rgba(13,33,80,.5);z-index:950;opacity:0;visibility:hidden;transition:.3s}
  .nav-open .nav-backdrop{opacity:1;visibility:visible}
}
@media (min-width:981px){.nav-cta{display:none}.nav-backdrop{display:none}}

@media (max-width:820px){
  .split{grid-template-columns:1fr;gap:34px}
  .split-media.is-right{order:0}
  .split-media>img{min-height:clamp(300px,62vw,430px)}
  .split-media .inset{right:-6px;bottom:-18px;width:40%}
  .split-media .badge{left:-8px}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .head-row{flex-direction:column;align-items:flex-start;gap:14px}
  .hero-strip{grid-template-columns:repeat(2,1fr);gap:18px}
  .link-list{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  .grievance-full{flex-direction:column;align-items:flex-start;gap:14px}
  .gr-contacts{text-align:left}
}
@media (max-width:640px){
  body{font-size:16px}
  .topbar{font-size:.72rem}
  .topbar .container{justify-content:center;gap:14px;min-height:38px}
  .topbar-arn{display:none}
  .topbar-contact{gap:14px;width:100%;justify-content:space-between}
  .topbar-contact a{font-size:.72rem;gap:6px}
  .topbar svg{width:12px;height:12px}
  .brand-mark-wrap{padding:5px 8px}
  .brand-mark{height:38px}
  .brand-name{font-size:1.12rem}
  .brand-sub{font-size:.55rem;letter-spacing:.1em}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .hero-single{aspect-ratio:4/3;border-radius:22px}
  .hero-figs::before{inset:12px -12px -12px 12px;border-radius:22px}
  .card-media img,.svc-card .card-media img{height:210px}
  .footer-grid{grid-template-columns:1fr;gap:30px}
  .copybar .container{justify-content:center;text-align:center;gap:6px}
  .map-full iframe{height:320px}
  .wa-float{width:52px;height:52px;right:14px;bottom:16px}
  .to-top{width:44px;height:44px;left:14px;bottom:16px}
  .modal-box{max-height:84vh}
}

@media (max-width:400px){
  .topbar-contact{gap:10px}
  .topbar-contact a{font-size:.66rem;gap:5px}
  .topbar svg{width:11px;height:11px}
  .brand-name{font-size:1.05rem}
}

@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition-duration:.01ms!important;scroll-behavior:auto}
}

/* Single, deliberate load reveal on the hero */
@keyframes rise{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
.hero-copy>*{animation:rise .7s cubic-bezier(.22,.7,.3,1) both}
.hero-copy>*:nth-child(2){animation-delay:.08s}
.hero-copy>*:nth-child(3){animation-delay:.16s}
.hero-copy>*:nth-child(4){animation-delay:.24s}
.hero-figs{animation:rise .8s .12s cubic-bezier(.22,.7,.3,1) both}


/* ---------- Fund house strip ------------------------------------------- */
.amc-strip{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.amc-strip span{
  background:#fff;border:1px solid var(--line);border-radius:999px;
  padding:8px 16px;font-size:.85rem;font-weight:700;color:var(--navy);
}
.section--dark .amc-strip span{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.16);color:#E6EDF9}
.amc-strip span.is-shariah{border-color:var(--gold);box-shadow:inset 0 0 0 1px var(--gold)}


/* ---------- Enquiry form: spam trap + error state (additive) ------------ */
.hp-field{position:absolute !important;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.form-status.is-error{color:#B3261E}
.btn[disabled]{opacity:.65;cursor:progress}