:root {
  --ink: #2d2d2d;
  --muted: #686868;
  --line: #e5e1db;
  --soft: #f8f6f2;
  --brand: #f58a00;
  --brand-2: #2d2d2d;
  --gold: #ffad32;
  --white: #fff;
  --danger: #b42318;
  --shadow: 0 18px 42px rgba(45, 45, 45, 0.12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, Segoe UI, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.55;
}
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }

.market-ticker {
  position: sticky;
  top: 0;
  z-index: 30;
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  align-items: center;
  min-height: 38px;
  color: #eaf5f0;
  background: var(--ink);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}
.ticker-label {
  height: 100%;
  display: grid;
  place-items: center;
  padding: 0 18px;
  color: var(--ink);
  background: var(--gold);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  white-space: nowrap;
}
.ticker-window {
  overflow: hidden;
}
.ticker-track {
  display: flex;
  width: max-content;
  animation: ticker-scroll 34s linear infinite;
}
.ticker-track:hover {
  animation-play-state: paused;
}
.ticker-group {
  display: flex;
  align-items: center;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0 20px;
  white-space: nowrap;
  font-size: 13px;
  font-weight: 800;
}
.ticker-name { color: #fff; }
.ticker-value { color: #d9e7e1; }
.ticker-change.up { color: #62d394; }
.ticker-change.down { color: #ff8a8a; }
.ticker-note {
  color: #b7c7c0;
  font-weight: 700;
}
@keyframes ticker-scroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

.site-header {
  position: sticky;
  top: 38px;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px clamp(18px, 4vw, 56px);
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}
.brand { display: flex; align-items: center; gap: 12px; font-weight: 800; }
.brand small { display: block; color: var(--muted); font-size: 11px; font-weight: 600; }
.brand-logo {
  width: 64px;
  height: 48px;
  object-fit: contain;
  mix-blend-mode: multiply;
}
.brand-mark {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 8px;
  color: var(--white);
  background: linear-gradient(135deg, var(--brand), var(--brand-2));
}
.site-nav { display: flex; align-items: center; gap: 12px; color: var(--muted); font-size: 14px; font-weight: 800; }
.site-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  padding: 0 2px;
  border: 1px solid transparent;
  border-radius: 8px;
  transition: transform 180ms ease, border-color 180ms ease, background 180ms ease, color 180ms ease, box-shadow 180ms ease;
}
.site-nav a:hover {
  transform: translateY(-1px);
  color: var(--brand);
}
.site-nav .client-link {
  padding: 0 14px;
  color: var(--brand);
  border-color: rgba(245,138,0,.34);
  background: #fff;
  box-shadow: 0 10px 24px rgba(245,138,0,.12);
}
.site-nav .client-link:hover {
  border-color: var(--brand);
  background: #fff8ed;
}
.site-nav .admin-link {
  padding: 0 14px;
  color: #fff;
  border-color: var(--brand-2);
  background: var(--brand-2);
  box-shadow: 0 12px 24px rgba(27,43,58,.18);
}
.site-nav .admin-link:hover {
  color: #fff;
  background: #101f2e;
}
.menu-toggle { display: none; border: 1px solid var(--line); background: var(--white); padding: 8px 12px; border-radius: 8px; }

.section, .section-band {
  padding: 72px clamp(18px, 5vw, 72px);
}
.section-band { background: var(--soft); }
.hero {
  min-height: calc(100vh - 72px);
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(320px, 1.05fr);
  align-items: center;
  gap: clamp(28px, 5vw, 64px);
}
.hero-copy { max-width: 720px; }
.eyebrow {
  margin: 0 0 10px;
  color: var(--brand);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
h1, h2, h3, h4, p { overflow-wrap: anywhere; }
h1 {
  margin: 0;
  font-size: clamp(42px, 7vw, 78px);
  line-height: 0.98;
  max-width: 780px;
}
h2 { margin: 0 0 14px; font-size: clamp(28px, 4vw, 44px); line-height: 1.08; }
h3 { margin: 0 0 10px; font-size: 20px; }
h4 { margin: 26px 0 12px; }
.hero-copy > p:not(.eyebrow) { max-width: 620px; color: var(--muted); font-size: 18px; }
.hero-actions, .admin-toolbar { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  border: 1px solid transparent;
  border-radius: 8px;
  padding: 10px 16px;
  font-weight: 800;
  cursor: pointer;
}
.button.primary { color: var(--white); background: linear-gradient(135deg, #f58a00, #e46f00); box-shadow: 0 10px 22px rgba(245, 138, 0, 0.22); }
.button.secondary { color: var(--brand-2); background: var(--white); border-color: var(--line); }
.button.ghost { color: #b95f00; background: rgba(245, 138, 0, 0.1); }
.button:hover { transform: translateY(-1px); }
.button, .tab-button, .service-card, .blog-list article, .family-card {
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease, background-color 180ms ease;
}
.service-card:hover, .blog-list article:hover, .family-card:hover {
  transform: translateY(-3px);
  border-color: rgba(245, 138, 0, 0.5);
  box-shadow: 0 14px 28px rgba(45, 45, 45, 0.1);
}
.hero-media {
  min-height: 520px;
  border-radius: 8px;
  background: linear-gradient(90deg, rgba(17,35,31,0.08), rgba(17,35,31,0)), url("../images/financial-advisory-hero.png") center / cover;
  box-shadow: var(--shadow);
}
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  max-width: 560px;
  margin: 32px 0 0;
}
.hero-stats div {
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}
.hero-stats dt { font-size: 24px; font-weight: 800; color: var(--brand-2); }
.hero-stats dd { margin: 0; color: var(--muted); font-size: 13px; }

.section-heading { max-width: 760px; margin-bottom: 28px; }
.service-grid, .feature-list, .blog-list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.service-card, .blog-list article, .testimonials blockquote, .info-panel {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 20px;
  background: var(--white);
}
.service-card p, .blog-list p, .info-panel p, .disclaimer { color: var(--muted); }
.compact .service-card { min-height: 156px; }
.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 0.8fr);
  gap: 42px;
  align-items: start;
}
.info-panel { box-shadow: var(--shadow); }
.disclaimer {
  border-left: 4px solid var(--gold);
  padding-left: 12px;
  font-size: 13px;
}
.service-tabs, .calculator-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 20px;
}
.tab-button {
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 13px;
  background: var(--white);
  color: var(--muted);
  cursor: pointer;
  font-weight: 700;
}
.tab-button.active { color: var(--white); background: var(--brand-2); border-color: var(--brand-2); box-shadow: inset 0 -3px 0 var(--brand); }
.service-detail {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: clamp(20px, 4vw, 34px);
  background: linear-gradient(180deg, #fff, #f9fcfa);
}
.detail-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.detail-grid ul { margin: 0; padding-left: 18px; }

.registration-form, .client-portal, .calculator-layout, .admin-panel, .admin-login, .contact-form {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: clamp(18px, 3vw, 28px);
  background: var(--white);
  box-shadow: var(--shadow);
}
.form-step {
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
}
.form-step > span {
  display: inline-flex;
  margin-bottom: 8px;
  color: var(--brand);
  font-weight: 800;
}
.form-grid, .checkbox-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}
label { display: grid; gap: 7px; color: var(--ink); font-weight: 700; font-size: 13px; }
input, select, textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 10px 12px;
  background: #fff;
  color: var(--ink);
}
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(245,138,0,0.16); border-color: var(--brand); }
.checkbox-grid label {
  display: flex;
  align-items: center;
  gap: 9px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px;
  background: #fff;
}
.checkbox-grid input { width: auto; }
.dynamic-forms {
  display: grid;
  gap: 18px;
}
.service-form {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 18px;
  background: #fbfdfc;
}
.captcha { max-width: 280px; margin: 20px 0; }
.random-captcha {
  display: grid;
  grid-template-columns: minmax(130px, auto) minmax(100px, 150px) 38px;
  align-items: end;
  gap: 9px;
  padding: 12px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--brand);
  border-radius: 8px;
  background: var(--soft);
  width: 100%;
}
.random-captcha label { gap: 4px; }
.random-captcha-question {
  display: block;
  color: var(--brand-2);
  font-size: 18px;
  font-weight: 900;
  letter-spacing: 2px;
  font-family: ui-monospace, SFMono-Regular, Consolas, monospace;
}
.captcha-refresh {
  width: 38px;
  height: 42px;
  border: 1px solid var(--line);
  border-radius: 8px;
  color: #b95f00;
  background: #fff;
  cursor: pointer;
  font-size: 20px;
  font-weight: 900;
}
.captcha-refresh:hover { border-color: var(--brand); background: #fff8ed; }
.random-captcha-error {
  grid-column: 1 / -1;
  min-height: 18px;
  margin: 0;
  color: var(--danger);
  font-size: 12px;
  font-weight: 800;
}
.form-message { min-height: 24px; color: var(--brand); font-weight: 800; }
.form-message.error { color: var(--danger); }
.client-portal {
  display: grid;
  grid-template-columns: minmax(260px, 0.72fr) minmax(0, 1.28fr);
  gap: 0;
  margin-top: 22px;
  padding: 0;
  overflow: hidden;
}
.client-portal-visual {
  min-height: 430px;
  background:
    linear-gradient(180deg, rgba(17, 35, 31, 0.08), rgba(17, 35, 31, 0.42)),
    url("../images/secure-login-office.png") center / cover;
}
.client-portal-content { padding: clamp(20px, 3vw, 32px); }
.client-login {
  display: flex;
  flex-wrap: wrap;
  align-items: end;
  gap: 12px;
  margin-bottom: 18px;
}
.client-login .random-captcha {
  flex: 0 1 390px;
  width: min(100%, 390px);
  grid-template-columns: minmax(110px, 1fr) 105px 34px;
  gap: 7px;
  padding: 8px 10px;
}
.client-login .random-captcha label {
  font-size: 11px;
}
.client-login .random-captcha-question {
  font-size: 15px;
}
.client-login .random-captcha-input {
  min-height: 36px;
  padding: 7px 9px;
}
.client-login .captcha-refresh {
  width: 34px;
  height: 36px;
}
.client-login .random-captcha-error {
  min-height: 0;
}
.client-login .random-captcha-error:empty {
  display: none;
}
.family-panel {
  border-top: 1px solid var(--line);
  padding-top: 22px;
}
.client-session-active .registration-nav a[data-client-auth-tab],
.client-session-active .registration-nav .admin-link {
  display: none;
}
.client-session-active .registration-header {
  min-height: 58px;
  padding: 7px clamp(18px, 5vw, 48px);
}
.client-session-active .brand-logo {
  width: 50px;
  height: 38px;
}
.client-session-active .brand strong { font-size: 16px; }
.client-session-active .brand small { font-size: 10px; }
.client-session-active .client-account-wrap {
  padding-top: 10px;
  padding-bottom: 10px;
}
.client-session-active .site-footer { display: none; }
.client-account {
  position: relative;
  display: grid;
  gap: 16px;
  margin-top: 0;
  padding: clamp(18px, 3vw, 28px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background:
    radial-gradient(circle at 88% 0%, rgba(245,138,0,.12), transparent 28%),
    #fff;
  box-shadow: 0 22px 50px rgba(45,45,45,.1);
  overflow: hidden;
}
.client-session-active .client-account {
  gap: 10px;
  padding: 12px 18px;
  max-width: 1180px;
}
.client-session-active .client-account::before {
  width: 78px;
  height: 78px;
  right: 40px;
  top: 18px;
}
.client-account::before {
  content: "";
  position: absolute;
  right: 30px;
  top: 24px;
  width: 120px;
  height: 120px;
  border: 1px solid rgba(245,138,0,.22);
  border-radius: 50%;
  animation: portal-ring 12s linear infinite;
}
.client-account.hidden { display: none; }
.client-account-head {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 18px;
}
.client-account-head h2 { margin-bottom: 6px; }
.client-account-head p { margin: 0; color: var(--muted); }
.client-session-active .client-account-head {
  align-items: center;
}
.client-session-active .client-account-head h2 {
  margin: 0 0 3px;
  font-size: clamp(30px, 3vw, 38px);
  line-height: 1;
}
.client-session-active .client-account-head .eyebrow {
  margin-bottom: 5px;
  font-size: 12px;
}
.client-session-active #client-logout {
  min-height: 42px;
  padding: 10px 16px;
}
.client-alert-strip {
  position: relative;
  z-index: 1;
}
.client-alert-strip button,
.client-alert-strip > span {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  width: 100%;
  padding: 11px 14px;
  border: 1px solid rgba(245,138,0,.28);
  border-radius: 8px;
  color: var(--ink);
  text-align: left;
  background: linear-gradient(135deg, #fff8ed, #fff);
  box-shadow: 0 12px 26px rgba(245,138,0,.08);
}
.client-alert-strip button {
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}
.client-alert-strip button:hover {
  transform: translateY(-2px);
  border-color: rgba(245,138,0,.5);
  box-shadow: 0 18px 34px rgba(245,138,0,.13);
}
.client-alert-strip b { color: var(--brand); }
.client-alert-strip span,
.client-alert-strip small { color: var(--muted); font-weight: 800; }
.client-session-active .client-alert-strip button,
.client-session-active .client-alert-strip > span {
  min-height: 40px;
  padding: 8px 14px;
}
.client-summary-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}
.client-summary-grid article {
  position: relative;
  min-height: 92px;
  padding: 14px;
  border: 1px solid var(--line);
  border-top: 4px solid var(--brand);
  border-radius: 8px;
  background: var(--soft);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}
.client-summary-grid article:hover {
  transform: translateY(-4px);
  border-color: rgba(245,138,0,.45);
  box-shadow: 0 16px 30px rgba(45,45,45,.12);
}
.client-summary-grid small, .client-summary-grid strong { display: block; }
.client-summary-grid small { color: var(--muted); font-weight: 800; }
.client-summary-grid strong { margin-top: 8px; font-size: 20px; }
.client-session-active .client-summary-grid {
  gap: 10px;
}
.client-session-active .client-summary-grid article {
  min-height: 72px;
  padding: 10px 14px;
  border-top-width: 3px;
}
.client-session-active .client-summary-grid strong {
  margin-top: 5px;
  font-size: 19px;
}
.client-workspace {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 190px minmax(0, 1fr);
  gap: 16px;
  align-items: start;
}
.client-sidebar {
  position: sticky;
  top: 104px;
  display: grid;
  gap: 8px;
  padding: 10px;
  border: 1px solid rgba(245,138,0,.18);
  border-radius: 8px;
  background:
    linear-gradient(180deg, rgba(35,35,35,.98), rgba(54,49,43,.96)),
    radial-gradient(circle at 20% 0%, rgba(245,138,0,.18), transparent 34%);
  box-shadow: 0 18px 36px rgba(45,45,45,.15);
}
.client-sidebar button {
  display: flex;
  align-items: center;
  gap: 8px;
  width: 100%;
  min-height: 38px;
  padding: 7px 8px;
  border: 1px solid rgba(255,255,255,.08);
  border-radius: 8px;
  color: #f8f4ec;
  text-align: left;
  font-size: 13px;
  font-weight: 900;
  background: rgba(255,255,255,.05);
  cursor: pointer;
  transition: transform 180ms ease, background 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}
.client-sidebar button:hover {
  transform: translateX(4px);
  border-color: rgba(245,138,0,.34);
  background: rgba(255,255,255,.1);
}
.client-sidebar button.active {
  color: var(--ink);
  border-color: rgba(245,138,0,.6);
  background: linear-gradient(135deg, #fff, #fff0d6);
  box-shadow: 0 14px 24px rgba(245,138,0,.18);
}
.client-sidebar span {
  display: grid;
  place-items: center;
  flex: 0 0 28px;
  width: 28px;
  height: 28px;
  border-radius: 8px;
  color: var(--ink);
  background: var(--gold);
  font-size: 12px;
}
.client-sidebar button.active span { background: var(--brand); color: #fff; }
.client-session-active .client-sidebar {
  gap: 6px;
  padding: 8px;
}
.client-session-active .client-sidebar button {
  min-height: 34px;
  padding: 5px 7px;
  font-size: 12px;
}
.client-session-active .client-sidebar span {
  flex-basis: 24px;
  width: 24px;
  height: 24px;
  font-size: 11px;
}
.client-workspace-main {
  display: grid;
  min-width: 0;
}
.client-panel {
  display: none;
  animation: panel-rise 280ms ease both;
}
.client-panel.active {
  display: block;
}
.profile-completion-form {
  display: contents;
}
.client-form-actions {
  display: none;
  align-items: center;
  gap: 14px;
  margin-top: 14px;
  padding: 14px;
  border: 1px solid rgba(245,138,0,.18);
  border-radius: 8px;
  background: linear-gradient(135deg, #fff, #fff8ed);
  box-shadow: 0 14px 28px rgba(245,138,0,.08);
}
.client-account[data-active-section="details"] .client-form-actions,
.client-account[data-active-section="kyc"] .client-form-actions,
.client-account[data-active-section="services"] .client-form-actions {
  display: flex;
}
.client-form-actions .button { min-width: 170px; }
.client-form-actions .form-message { margin: 0; }
.client-account-section {
  position: relative;
  z-index: 1;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  transition: transform 180ms ease, box-shadow 180ms ease;
}
.client-session-active .client-account-section {
  padding: 15px 18px;
}
.client-session-active .section-heading {
  margin-bottom: 14px;
}
.client-session-active .section-heading h3 {
  margin-bottom: 4px;
  font-size: 20px;
}
.client-session-active .section-heading .eyebrow {
  margin-bottom: 6px;
  font-size: 12px;
}
.client-account-section:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 38px rgba(45,45,45,.1);
}
.client-account-section::after {
  content: "";
  position: absolute;
  right: 18px;
  top: 18px;
  width: 72px;
  height: 72px;
  border-radius: 50%;
  border: 1px solid rgba(245,138,0,.16);
  opacity: .7;
  pointer-events: none;
}
.client-profile-details {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
}
.client-profile-details div,
.profile-edit-card {
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--soft);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}
.profile-edit-card {
  position: relative;
  width: 100%;
  color: inherit;
  text-align: left;
  cursor: pointer;
}
.client-profile-details div:hover,
.profile-edit-card:hover {
  transform: translateY(-3px);
  border-color: rgba(245,138,0,.32);
  box-shadow: 0 14px 26px rgba(45,45,45,.08);
}
.client-profile-details small, .client-profile-details strong, .profile-edit-card em { display: block; }
.client-profile-details small { color: var(--muted); font-weight: 800; }
.client-profile-details strong { margin-top: 5px; }
.profile-edit-card em {
  position: absolute;
  right: 10px;
  top: 10px;
  color: var(--brand);
  font-size: 11px;
  font-style: normal;
  font-weight: 900;
  opacity: 0;
  transition: opacity 180ms ease;
}
.profile-edit-card:hover em { opacity: 1; }
.client-session-active .client-profile-details {
  gap: 8px;
}
.client-session-active .client-profile-details div,
.client-session-active .profile-edit-card {
  min-height: 64px;
  padding: 9px 11px;
}
.client-session-active .client-profile-details strong {
  margin-top: 3px;
}
.field-pulse {
  border-color: var(--brand) !important;
  box-shadow: 0 0 0 3px rgba(245,138,0,.16), 0 12px 24px rgba(245,138,0,.12) !important;
}
.client-investments {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}
.client-investment-card {
  padding: 16px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--brand);
  border-radius: 8px;
  background: linear-gradient(135deg, #fff, #fff8ed);
  transition: transform 180ms ease, box-shadow 180ms ease;
}
.client-investment-card:hover { transform: translateY(-3px); box-shadow: 0 14px 26px rgba(245,138,0,.12); }
.client-investment-card > div:first-child {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.client-investment-card small { color: var(--muted); font-weight: 800; }
.client-investment-card strong { color: #b95f00; }
.client-investment-card p { color: var(--muted); }
.investment-highlights { display: grid; gap: 5px; font-size: 13px; }
.client-alert-list {
  display: grid;
  gap: 12px;
}
.client-alert-list article {
  display: grid;
  gap: 8px;
  padding: 14px;
  border: 1px solid rgba(245,138,0,.24);
  border-left: 4px solid var(--brand);
  border-radius: 8px;
  background: linear-gradient(135deg, #fff, #fff8ed);
  transition: transform 180ms ease, box-shadow 180ms ease;
}
.client-alert-list article:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 30px rgba(245,138,0,.12);
}
.client-alert-list small {
  color: var(--brand);
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .06em;
}
.client-alert-list strong {
  display: block;
  margin-top: 4px;
  color: var(--ink);
  font-size: 20px;
}
.client-alert-list p { margin: 0; color: var(--muted); }
.family-form {
  display: grid;
  gap: 16px;
}
.family-form .random-captcha {
  max-width: 560px;
  grid-template-columns: minmax(120px, 1fr) minmax(140px, 170px) 38px;
  padding: 10px;
}
.family-form .random-captcha-question { font-size: 16px; }
.family-form .random-captcha-input { min-height: 38px; padding: 8px 10px; }
.family-form .captcha-refresh { height: 38px; }
.family-form .button.primary { max-width: 560px; }
.profile-completion-form #nominee-fields {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}
.pan-input { text-transform: uppercase; }
.family-list {
  display: grid;
  gap: 10px;
  margin-top: 18px;
}
.family-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px;
  background: var(--soft);
}
.family-card strong { color: var(--brand-2); }

@keyframes panel-rise {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.calculator-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.calculator-tabs { grid-column: 1 / -1; }
.calculator { box-shadow: none; padding: 0; border: 0; display: grid; gap: 12px; }
.calculator-result {
  display: grid;
  place-items: center;
  min-height: 180px;
  border-radius: 8px;
  color: var(--brand-2);
  background: var(--soft);
  font-size: 24px;
  font-weight: 800;
  text-align: center;
  padding: 18px;
}
.calculator-result small {
  display: block;
  margin-top: 10px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
}
.feature-list span {
  border-left: 4px solid var(--brand);
  padding: 12px;
  background: var(--soft);
  border-radius: 8px;
  font-weight: 700;
}
.testimonials { display: grid; gap: 16px; }
blockquote { margin: 0; color: var(--muted); }
cite { display: block; margin-top: 12px; color: var(--ink); font-weight: 800; }

.admin-login { display: flex; flex-wrap: wrap; align-items: end; gap: 12px; margin-bottom: 16px; }
.hidden { display: none; }
.table-wrap { overflow-x: auto; margin-top: 18px; }
table { width: 100%; min-width: 850px; border-collapse: collapse; }
th, td { border-bottom: 1px solid var(--line); padding: 12px; text-align: left; vertical-align: top; }
th { background: var(--soft); font-size: 13px; }
td select, td input { min-width: 150px; }
.doc-list { color: var(--muted); font-size: 12px; }
.doc-item {
  display: grid;
  grid-template-columns: minmax(170px, 1fr) auto auto;
  align-items: center;
  gap: 8px;
  padding: 6px 0;
}
.doc-item a {
  color: var(--brand);
  font-weight: 800;
}
.contact-form { display: grid; gap: 12px; box-shadow: none; }
.map {
  margin-top: 16px;
  min-height: 150px;
  display: grid;
  place-items: center;
  color: var(--muted);
  border: 1px dashed var(--line);
  border-radius: 8px;
  background: var(--soft);
  text-align: center;
  padding: 16px;
}
.legal details {
  border-top: 1px solid var(--line);
  padding: 14px 0;
}
.legal summary { cursor: pointer; font-weight: 800; }
.registration-cta {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  align-items: center;
  gap: 42px;
  overflow: hidden;
}
.registration-cta > div:first-child { max-width: 760px; }
.registration-cta p:not(.eyebrow) { color: var(--muted); font-size: 18px; }
.brand-motion, .dashboard-motion {
  position: relative;
  display: grid;
  place-items: center;
  min-height: 330px;
}
.brand-motion img {
  width: 210px;
  height: 150px;
  object-fit: contain;
  mix-blend-mode: multiply;
  animation: logo-float 4s ease-in-out infinite;
}
.motion-ring, .orbit {
  position: absolute;
  border: 1px solid rgba(245, 138, 0, 0.35);
  border-radius: 50%;
  animation: orbit-spin 12s linear infinite;
}
.ring-one { width: 290px; height: 290px; }
.ring-two { width: 230px; height: 230px; animation-direction: reverse; animation-duration: 9s; }
.motion-point {
  position: absolute;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--brand);
  box-shadow: 0 0 0 8px rgba(245, 138, 0, 0.12);
}
.point-one { top: 52px; right: 82px; animation: pulse-point 2s ease-in-out infinite; }
.point-two { bottom: 58px; left: 74px; animation: pulse-point 2s 700ms ease-in-out infinite; }

.contact-dock {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 20;
  display: grid;
  gap: 10px;
}
.contact-action {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 10px;
  width: 54px;
  min-height: 54px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.3);
  border-radius: 8px;
  padding: 12px 15px;
  color: #fff;
  box-shadow: 0 14px 30px rgba(45,45,45,.22);
  transition: width 220ms ease, transform 180ms ease, box-shadow 180ms ease;
}
.contact-action svg { flex: 0 0 24px; width: 24px; height: 24px; fill: currentColor; }
.contact-action span { white-space: nowrap; font-weight: 800; opacity: 0; transition: opacity 150ms ease; }
.contact-action:hover { width: 160px; transform: translateX(-4px); box-shadow: 0 18px 34px rgba(45,45,45,.28); }
.contact-action:hover span { opacity: 1; }
.whatsapp-action { background: linear-gradient(135deg, #20a85a, #087b3d); }
.call-action { background: linear-gradient(135deg, #f58a00, #c85c00); }

.registration-page { background: #f5f3ef; }
.registration-header { top: 0; }
.registration-nav { display: flex; align-items: center; gap: 12px; color: var(--muted); font-size: 14px; font-weight: 800; }
.registration-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  padding: 0 14px;
  border: 1px solid transparent;
  border-radius: 8px;
  transition: transform 180ms ease, border-color 180ms ease, background 180ms ease, color 180ms ease, box-shadow 180ms ease;
}
.registration-nav a:hover {
  transform: translateY(-1px);
  color: var(--brand);
  border-color: rgba(245,138,0,.22);
  background: #fff8ed;
}
.registration-nav .active {
  color: var(--brand);
  border-color: rgba(245,138,0,.34);
  background: #fff;
  box-shadow: 0 10px 24px rgba(245,138,0,.12);
}
.registration-nav .admin-link {
  color: #fff;
  border-color: var(--brand-2);
  background: var(--brand-2);
  box-shadow: 0 12px 24px rgba(27,43,58,.18);
}
.registration-nav .admin-link:hover {
  color: #fff;
  background: #101f2e;
}
.client-portal-hero {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(390px, .98fr);
  min-height: calc(100vh - 92px);
  scroll-margin-top: 96px;
  overflow: hidden;
  background:
    linear-gradient(90deg, #232323 0%, #33302b 52%, #f5f3ef 52%, #f5f3ef 100%);
}
.client-portal-hero.hidden { display: none; }
.portal-story {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 560px;
  padding: clamp(34px, 5vw, 64px) clamp(22px, 5vw, 62px);
  color: #fff;
  isolation: isolate;
}
.portal-story::before,
.portal-story::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}
.portal-story::before {
  width: 420px;
  height: 420px;
  right: -92px;
  top: 58px;
  border: 1px solid rgba(245,138,0,.24);
  box-shadow: inset 0 0 0 36px rgba(245,138,0,.06);
  animation: portal-ring 12s linear infinite;
}
.portal-story::after {
  width: 12px;
  height: 12px;
  right: 18%;
  top: 32%;
  background: var(--gold);
  box-shadow: 0 0 0 9px rgba(245,138,0,.15);
  animation: pulse-point 2.4s ease-in-out infinite;
}
.portal-story h1 {
  max-width: 610px;
  margin: 10px 0 18px;
  color: #fff;
  font-size: clamp(38px, 4.7vw, 62px);
  line-height: .98;
}
.portal-story > p:not(.eyebrow) {
  max-width: 620px;
  color: #eee5da;
  font-size: 18px;
  line-height: 1.65;
}
.portal-story .eyebrow { color: var(--gold); }
.portal-status-card {
  position: absolute;
  right: clamp(20px, 9vw, 110px);
  top: 88px;
  z-index: 2;
  display: flex;
  align-items: center;
  gap: 12px;
  min-width: 235px;
  padding: 12px 14px;
  border: 1px solid rgba(245,138,0,.28);
  border-radius: 8px;
  background: rgba(255,255,255,.1);
  backdrop-filter: blur(12px);
  box-shadow: 0 18px 34px rgba(0,0,0,.2);
  animation: stat-float 3.5s ease-in-out infinite;
}
.portal-status-card b {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 8px;
  color: var(--ink);
  background: var(--gold);
}
.portal-status-card strong,
.portal-status-card small { display: block; }
.portal-status-card small { color: #efe2d2; }
.client-auth-card {
  align-self: start;
  width: min(390px, calc(100% - 34px));
  margin: 30px auto 22px;
  padding: 14px;
  border: 1px solid #b9dbe3;
  border-radius: 8px;
  background: rgba(255,255,255,.94);
  box-shadow: 0 28px 70px rgba(22,51,76,.16);
}
.client-auth-tabs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
  margin-bottom: 14px;
  padding: 5px;
  border-radius: 8px;
  background: #edf2f5;
}
.client-auth-tabs button {
  min-height: 40px;
  border: 0;
  border-radius: 8px;
  color: #54677c;
  background: transparent;
  font: inherit;
  font-weight: 900;
  cursor: pointer;
  transition: transform 180ms ease, background 180ms ease, box-shadow 180ms ease, color 180ms ease;
}
.client-auth-tabs button.active {
  color: #0c2340;
  background: #fff;
  box-shadow: 0 8px 18px rgba(17,42,67,.12);
}
.client-auth-tabs button:hover { transform: translateY(-1px); color: #0c2340; }
.client-auth-panel h2 {
  margin-bottom: 6px;
  color: #0c2340;
  font-size: 26px;
}
.client-auth-panel.hidden { display: none; }
.auth-copy {
  margin-top: 0;
  margin-bottom: 10px;
  color: #526477;
  font-size: 13px;
}
.client-auth-card .client-login {
  display: grid;
  gap: 12px;
  margin: 20px 0 0;
}
.client-auth-card .client-login .random-captcha {
  width: 100%;
  grid-template-columns: minmax(112px, 1fr) minmax(92px, 120px) 34px;
}
.client-auth-card .client-login .button {
  width: 100%;
  justify-content: center;
}
.security-note {
  margin-top: 24px;
  padding: 14px;
  border-radius: 8px;
  color: #80520d;
  background: #fff6e6;
  font-size: 13px;
}
.portal-registration-form {
  border: 0;
  padding: 0;
  background: transparent;
  box-shadow: none;
}
.account-create-form {
  display: grid;
  gap: 8px;
  margin-top: 10px;
}
.account-create-form .captcha {
  display: grid;
  grid-template-columns: minmax(120px, .9fr) minmax(120px, 1.1fr);
  align-items: center;
  gap: 10px;
  max-width: none;
  margin: 0;
  padding: 10px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f6fafc;
}
.account-create-form .captcha span {
  display: grid;
  gap: 4px;
}
.account-create-form .captcha strong {
  color: var(--brand-2);
  font-size: 17px;
  letter-spacing: 2px;
  font-family: ui-monospace, SFMono-Regular, Consolas, monospace;
}
.account-create-form .button {
  min-height: 44px;
}
.mobile-input-wrap {
  display: grid;
  grid-template-columns: 54px 1fr;
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  background: #fff;
}
.mobile-input-wrap b {
  display: grid;
  place-items: center;
  color: #0c2340;
  background: #f0f5f8;
}
.mobile-input-wrap input {
  border: 0;
  border-radius: 0;
}
.profile-completion-form {
  margin-top: 16px;
  box-shadow: none;
}
.client-account-wrap {
  padding-top: 74px;
  padding-bottom: 74px;
  background: #f5f3ef;
}
.client-account-wrap .client-account {
  max-width: 1180px;
  margin: 0 auto;
}
.service-selection-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(260px, .6fr);
  gap: 18px;
  align-items: stretch;
}
.service-select-panel,
.selected-services-panel {
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background:
    linear-gradient(135deg, #fff, #fff8ed);
  box-shadow: 0 12px 26px rgba(45,45,45,.06);
}
.sr-only-select {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  opacity: 0;
  pointer-events: none;
}
.service-picker-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  margin-top: 12px;
}
.service-pick {
  min-height: 82px;
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  text-align: left;
  background: #fff;
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease, background 180ms ease;
}
.service-pick:hover {
  transform: translateY(-3px);
  border-color: rgba(245,138,0,.45);
  box-shadow: 0 14px 24px rgba(45,45,45,.1);
}
.service-pick.active {
  border-color: var(--brand);
  background: #fff6e6;
  box-shadow: inset 0 0 0 1px rgba(245,138,0,.22), 0 14px 24px rgba(245,138,0,.12);
}
.service-pick span,
.service-pick small { display: block; }
.service-pick span { color: var(--ink); font-weight: 900; }
.service-pick small { margin-top: 7px; color: var(--muted); font-size: 11px; line-height: 1.35; }
.selected-services-panel small {
  display: block;
  color: var(--muted);
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .08em;
}
.selected-service-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 9px;
  margin-top: 14px;
}
.selected-service-chips span,
.selected-service-chips em {
  padding: 9px 11px;
  border: 1px solid rgba(245,138,0,.28);
  border-radius: 8px;
  background: #fff8ed;
  color: var(--brand-2);
  font-style: normal;
  font-weight: 900;
}
.dynamic-forms {
  grid-template-columns: 1fr;
  gap: 14px;
}
.service-form {
  display: grid;
  gap: 16px;
  padding: 18px;
  border: 1px solid rgba(245,138,0,.28);
  border-radius: 8px;
  background:
    linear-gradient(135deg, #fff, #fffaf3);
  box-shadow: 0 12px 24px rgba(245,138,0,.08);
}
.service-form-head {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--line);
}
.service-form-head small {
  display: block;
  color: var(--brand);
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.service-form-head h4 { margin: 4px 0 6px; }
.service-form-head p { margin: 0; max-width: 760px; color: var(--muted); font-size: 13px; }
.service-form-head b {
  display: grid;
  place-items: center;
  flex: 0 0 48px;
  width: 48px;
  height: 48px;
  border-radius: 8px;
  color: var(--ink);
  background: var(--gold);
  font-size: 18px;
}
.service-form .form-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.client-dashboard-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 480px;
  align-items: center;
  gap: 48px;
  min-height: 520px;
  padding: 54px clamp(18px, 5vw, 72px);
  color: #fff;
  background:
    linear-gradient(105deg, rgba(30,30,30,.98), rgba(45,45,45,.92)),
    url("../images/secure-login-office.png") center/cover;
  overflow: hidden;
}
.client-dashboard-hero h1 { max-width: 700px; font-size: clamp(42px, 6vw, 70px); }
.client-dashboard-hero > div > p:not(.eyebrow) { max-width: 650px; color: #d7d2cb; font-size: 18px; }
.client-dashboard-hero .eyebrow { color: var(--gold); }
.client-journey { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.client-journey span { padding: 10px 12px; border: 1px solid rgba(255,255,255,.18); border-radius: 8px; background: rgba(255,255,255,.08); }
.client-journey b { color: var(--gold); margin-right: 6px; }
.dashboard-motion { min-height: 410px; }
.motion-disc {
  position: relative;
  z-index: 2;
  display: grid;
  place-items: center;
  width: 210px;
  height: 210px;
  border: 1px solid rgba(255,255,255,.28);
  border-radius: 50%;
  background: rgba(255,255,255,.94);
  box-shadow: 0 28px 60px rgba(0,0,0,.3);
  animation: logo-float 4s ease-in-out infinite;
}
.motion-disc img { width: 165px; height: 120px; object-fit: contain; mix-blend-mode: multiply; }
.orbit-a { width: 350px; height: 350px; }
.orbit-b { width: 285px; height: 285px; animation-direction: reverse; animation-duration: 8s; }
.orbit i { position: absolute; top: 22px; left: 45px; width: 13px; height: 13px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 0 8px rgba(245,138,0,.14); }
.motion-stat {
  position: absolute;
  z-index: 3;
  min-width: 105px;
  padding: 11px 13px;
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 8px;
  background: rgba(28,28,28,.78);
  backdrop-filter: blur(12px);
  box-shadow: 0 12px 25px rgba(0,0,0,.18);
  animation: stat-float 3.4s ease-in-out infinite;
}
.motion-stat strong, .motion-stat small { display: block; }
.motion-stat strong { color: var(--gold); font-size: 20px; }
.motion-stat small { color: #eee; }
.stat-a { top: 34px; left: 10px; }
.stat-b { right: 0; top: 145px; animation-delay: 500ms; }
.stat-c { bottom: 30px; left: 50px; animation-delay: 1s; }
.registration-workspace { max-width: 1440px; margin: 0 auto; }

@keyframes portal-ring {
  to { transform: rotate(360deg); }
}
@keyframes orbit-spin { to { transform: rotate(360deg); } }
@keyframes logo-float { 50% { transform: translateY(-12px); } }
@keyframes pulse-point { 50% { transform: scale(1.35); opacity: .7; } }
@keyframes stat-float { 50% { transform: translateY(-7px); } }
.site-footer {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px;
  padding: 24px clamp(18px, 5vw, 72px);
  background: var(--ink);
  color: #d8e5df;
}
.site-footer a { margin-left: 12px; }

@media (max-width: 960px) {
  .menu-toggle { display: inline-flex; }
  .site-nav {
    position: absolute;
    left: 18px;
    right: 18px;
    top: 72px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 16px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 8px;
    box-shadow: var(--shadow);
  }
  .site-nav.open { display: flex; }
  .hero, .split, .calculator-layout { grid-template-columns: 1fr; }
  .hero { min-height: auto; }
  .hero-media { min-height: 360px; order: -1; }
  .service-grid, .feature-list, .blog-list, .form-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .detail-grid { grid-template-columns: 1fr; }
  .client-portal { grid-template-columns: 1fr; }
  .client-portal-visual { min-height: 240px; }
  .client-workspace { grid-template-columns: 180px minmax(0, 1fr); }
  .client-sidebar {
    position: sticky;
    top: 92px;
    grid-template-columns: 1fr;
  }
  .client-sidebar button:hover { transform: translateX(4px); }
  .client-summary-grid, .client-investments, .client-profile-details { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .service-selection-layout, .dynamic-forms, .service-form { grid-template-columns: 1fr; }
  .profile-completion-form #nominee-fields { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .registration-cta, .client-dashboard-hero, .client-portal-hero { grid-template-columns: 1fr; }
  .client-portal-hero {
    background:
      linear-gradient(180deg, #232323 0%, #33302b 52%, #f5f3ef 52%, #f5f3ef 100%);
  }
  .portal-story { min-height: auto; padding-bottom: 32px; }
  .client-auth-card { margin-top: 0; }
  .registration-nav { display: none; }
  .dashboard-motion { min-height: 360px; }
}

@media (max-width: 620px) {
  .section, .section-band { padding: 48px 16px; }
  h1 { font-size: 42px; }
  .hero-stats, .service-grid, .feature-list, .blog-list, .form-grid, .checkbox-grid { grid-template-columns: 1fr; }
  .hero-media { min-height: 280px; }
  .site-header { padding: 12px 16px; }
  .market-ticker { grid-template-columns: 1fr; }
  .ticker-label { min-height: 32px; }
  .site-header { top: 70px; }
  .registration-header { top: 0; }
  .brand-logo { width: 54px; height: 40px; }
  .contact-action:hover { width: 54px; transform: none; }
  .contact-action span { display: none; }
  .client-dashboard-hero { padding: 42px 16px; }
  .portal-story { padding: 42px 16px 28px; }
  .portal-story h1 { font-size: 40px; }
  .portal-status-card { position: relative; inset: auto; margin-top: 22px; min-width: 0; }
  .client-auth-card { width: calc(100% - 28px); padding: 14px; }
  .client-workspace { grid-template-columns: 1fr; }
  .client-sidebar {
    position: relative;
    top: auto;
    grid-template-columns: 1fr 1fr;
  }
  .client-sidebar button:hover { transform: translateY(-2px); }
  .client-sidebar button { min-height: 44px; font-size: 12px; }
  .client-sidebar span { width: 28px; height: 28px; flex-basis: 28px; }
  .client-form-actions { flex-direction: column; align-items: stretch; }
  .client-auth-card .client-login .random-captcha { grid-template-columns: 1fr 34px; }
  .client-auth-card .client-login .random-captcha > label:first-child { grid-column: 1 / -1; }
  .dashboard-motion { min-height: 320px; transform: scale(.82); }
  .registration-cta { padding-bottom: 36px; }
  .client-account-head { flex-direction: column; }
  .client-summary-grid, .client-investments, .client-profile-details { grid-template-columns: 1fr; }
  .profile-completion-form #nominee-fields { grid-template-columns: 1fr; }
  .service-select-panel select { min-height: 210px; }
  .random-captcha { grid-template-columns: 1fr 38px; }
  .random-captcha > label:first-child { grid-column: 1 / -1; }
  .client-login .random-captcha {
    flex-basis: 100%;
    grid-template-columns: 1fr 34px;
  }
  .client-login .random-captcha > label:first-child {
    grid-column: 1 / -1;
  }
}