* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Inter", Arial, sans-serif;
  background: #f8f9fb;
  color: #1a2340;
  overflow-x: hidden;
}

:root {
  --navy: #1a2d5a;
  --navy2: #243870;
  --blue: #4ba3d4;
  --blue2: #6bbde0;
  --cream: #f8f9fb;
  --white: #ffffff;
  --gray: #64748b;
  --light: #e8f4fb;
}

/* NAVBAR */
#navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 1);
  padding: 0 40px;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid rgba(75, 163, 212, 0.2);
}

.nav-toggle {
  display: none;
}

.hero-logo img {
  height: 100px;
  width: auto;
}

.hero-logo-main img {
  height: 48px;
  width: auto;
  transition: height 0.3s;
}

.nav-links {
  display: flex;
  gap: 28px;
  list-style: none;
  align-items: center;
}

.nav-links a {
  color: rgba(26, 45, 90, 0.97);
  text-decoration: none;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.5px;
  transition: color 0.2s;
}

.nav-links a:hover {
  color: #4ba3d4;
}

.nav-signin-cta {
  font-weight: 500;
  white-space: nowrap;
}

.nav-signup-cta {
  background: #4ba3d4 !important;
  color: #fff !important;
  padding: 8px 20px !important;
  border-radius: 4px;
  font-weight: 600 !important;
  white-space: nowrap;
}

.nav-cta:hover {
  background: #6bbde0 !important;
}

/* HERO */
#hero {
  min-height: 100vh;
  background: linear-gradient(135deg, #0f1c3f 0%, #1a2d5a 50%, #1e3870 100%);
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  padding: 100px 40px 60px;
  position: relative;
  overflow: hidden;
}

#hero::after {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
  background: url('../images/Srijith_BW.jpg') no-repeat right center;
  background-size: contain;
  opacity: 0.05;
  /* Light transparency */
  pointer-events: none;
  z-index: 0;
}

#hero::before {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
  background: radial-gradient(ellipse 700px 500px at 80% 50%,
      rgba(75, 163, 212, 0.08),
      transparent);
  pointer-events: none;
}

.hero-badge {
  display: inline-block;
  background: rgba(75, 163, 212, 0.15);
  border: 1px solid rgba(75, 163, 212, 0.35);
  border-radius: 20px;
  padding: 6px 18px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #4ba3d4;
  margin-bottom: 24px;
}

#hero h1 {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 58px;
  font-weight: 700;
  line-height: 1.1;
  color: #ffffff;
  margin-bottom: 20px;
  max-width: 650px;
}

#hero h1 em {
  color: #4ba3d4;
  font-style: italic;
}

#hero p {
  font-size: 17px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.65);
  max-width: 550px;
  margin-bottom: 36px;
}

.hero-btns {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.btn-blue {
  background: #4ba3d4;
  color: #fff;
  padding: 14px 32px;
  border-radius: 4px;
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  display: inline-block;
}

.btn-blue:hover {
  background: #6bbde0;
  transform: translateY(-2px);
}

.btn-ghost {
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: #fff;
  padding: 14px 32px;
  border-radius: 4px;
  font-size: 15px;
  text-decoration: none;
  transition: border-color 0.2s, transform 0.15s;
  display: inline-block;
}

.btn-ghost:hover {
  border-color: #4ba3d4;
  color: #4ba3d4;
  transform: translateY(-2px);
}

.hero-stats {
  display: flex;
  gap: 48px;
  margin-top: 56px;
}

.stat-n {
  font-family: "Inter", serif;
  font-size: 38px;
  font-weight: 700;
  color: #4ba3d4;
  line-height: 1;
}

.stat-l {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.5);
  margin-top: 4px;
  letter-spacing: 0.5px;
}

/* SECTION COMMON */
.section {
  padding: 80px 40px;
}

.section-label {
  font-size: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: #4ba3d4;
  font-weight: 600;
  margin-bottom: 10px;
}

.section-title {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 40px;
  font-weight: 700;
  color: #1a2d5a;
  line-height: 1.2;
  margin-bottom: 14px;
}

.section-sub {
  font-size: 16px;
  line-height: 1.7;
  color: #64748b;
  max-width: 580px;
  margin-bottom: 48px;
}

/* SERVICES */
#services {
  background: #ffffff;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.svc-card {
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  padding: 32px 24px;
  background: #fff;
  transition: box-shadow 0.25s, border-color 0.25s, transform 0.25s;
  position: relative;
  overflow: hidden;
}

.svc-card::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: #4ba3d4;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s;
}

.svc-card:hover {
  box-shadow: 0 8px 32px rgba(26, 45, 90, 0.1);
  border-color: #4ba3d4;
  transform: translateY(-4px);
}

.svc-card:hover::after {
  transform: scaleX(1);
}

.svc-icon {
  font-size: 36px;
  margin-bottom: 18px;
}

.svc-card h3 {
  font-family: "Playfair Display", serif;
  font-size: 20px;
  font-weight: 700;
  color: #1a2d5a;
  margin-bottom: 10px;
}

.svc-card p {
  font-size: 14px;
  line-height: 1.7;
  color: #64748b;
  margin-bottom: 14px;
}

.svc-list {
  list-style: none;
}

.svc-list li {
  font-size: 13px;
  color: #64748b;
  padding: 3px 0 3px 14px;
  position: relative;
}

.svc-list li::before {
  content: "→";
  position: absolute;
  left: 0;
  color: #4ba3d4;
  font-size: 11px;
  top: 4px;
}

/* AMC LOGOS */
#amc {
  background: #f8f9fb;
  padding: 48px 0;
  border-top: 1px solid #e8f0f8;
  border-bottom: 1px solid #e8f0f8;
}

.amc-title {
  text-align: center;
  font-size: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: #4ba3d4;
  font-weight: 600;
  margin-bottom: 28px;
}

.amc-outer {
  overflow: hidden;
  -webkit-mask: linear-gradient(90deg,
      transparent,
      black 8%,
      black 92%,
      transparent);
  mask: linear-gradient(90deg, transparent, black 8%, black 92%, transparent);
}

.amc-inner {
  display: flex;
  gap: 16px;
  width: max-content;
  animation: marquee 30s linear infinite;
}

.amc-inner:hover {
  animation-play-state: paused;
}

.amc-chip {
  height: 52px;

}

.amc-chip:hover {
  border-color: #4ba3d4;
  box-shadow: 0 2px 12px rgba(75, 163, 212, 0.15);
}

@keyframes marquee {
  0% {
    transform: translateX(0);
  }

  100% {
    transform: translateX(-50%);
  }
}

/* WHY US */
#why {
  background: #1a2d5a;
}

#why .section-title {
  color: #fff;
}

#why .section-sub {
  color: rgba(255, 255, 255, 0.6);
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.why-points {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.why-item {
  display: flex;
  gap: 20px;
}

.why-num {
  font-family: "Playfair Display", serif;
  font-size: 36px;
  font-weight: 700;
  color: rgba(75, 163, 212, 0.25);
  line-height: 1;
  min-width: 44px;
}

.why-item h4 {
  font-size: 15px;
  font-weight: 600;
  color: #fff;
  margin-bottom: 6px;
}

.why-item p {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.6;
}

.why-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(75, 163, 212, 0.2);
  border-radius: 8px;
  padding: 28px;
}

.why-card-title {
  font-size: 12px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: #4ba3d4;
  margin-bottom: 20px;
  font-weight: 600;
}

.why-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
}

.why-row:last-child {
  border-bottom: none;
}

.why-row span:first-child {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.55);
}

.why-row span:last-child {
  font-size: 13px;
  font-weight: 600;
  color: #4ba3d4;
}

/* FINANCIAL CALCULATORS HUB */
#calculators {
  background: var(--bg-color);
}

.calc-tabs {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.calc-tab-btn {
  background: #fff;
  border: 1px solid #dde6ef;
  padding: 10px 24px;
  border-radius: 30px;
  font-family: "Inter", sans-serif;
  font-weight: 600;
  color: #64748b;
  cursor: pointer;
  transition: all 0.3s ease;
  font-size: 14px;
  white-space: nowrap;
}

.calc-tab-btn:hover {
  border-color: #4ba3d4;
  color: #1a2d5a;
}

.calc-tab-btn.active {
  background: #1a2d5a;
  border-color: #1a2d5a;
  color: #fff;
  box-shadow: 0 4px 12px rgba(26, 45, 90, 0.2);
}

.calc-tab-content {
  display: none;
  animation: fadeIn 0.4s ease forwards;
}

.calc-tab-content.active {
  display: block;
}

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.sip-wrap {
  display: grid;
  grid-template-columns: minmax(0, 480px) minmax(0, 1fr);
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 8px 48px rgba(26, 45, 90, 0.08);
  max-width: 960px;
  width: 100%;
  box-sizing: border-box;
  margin-left: auto;
  margin-right: auto;
}

.sip-left {
  padding: 40px;
  min-width: 0;
}

.sip-right {
  background: #1a2d5a;
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  gap: 24px;
  min-width: 0;
}

.range-group {
  margin-bottom: 28px;
}

.range-lbl {
  font-size: 11px;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-weight: 600;
  color: #94a3b8;
  margin-bottom: 6px;
}

.range-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}

.range-header .range-lbl {
  margin-bottom: 0;
}

.input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.input-prefix,
.input-suffix {
  position: absolute;
  color: #1a2d5a;
  font-weight: 600;
  font-size: 15px;
  pointer-events: none;
}

.input-prefix {
  left: 12px;
}

.input-suffix {
  right: 12px;
}

.range-input {
  width: 240px;
  padding: 8px 12px;
  font-family: "Inter", sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: #1a2d5a;
  background: #f8f9fb;
  border: 1px solid #dde6ef;
  border-radius: 6px;
  outline: none;
  text-align: right;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.range-input.has-prefix {
  padding-left: 28px;
}

.range-input.has-suffix {
  padding-right: 36px;
}

.range-input:focus {
  border-color: #4ba3d4;
  background: #fff;
  box-shadow: 0 0 0 3px rgba(75, 163, 212, 0.15);
}

.range-input::-webkit-outer-spin-button,
.range-input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  appearance: none;
  margin: 0;
}

.range-input[type=number] {
  appearance: textfield;
  -moz-appearance: textfield;
}

input[type="range"] {
  display: none;
}

.qty-btn {
  background: #f1f5f9;
  border: 1px solid #dde6ef;
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  display: flex !important;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  border-radius: 50%;
  color: #1a2d5a;
  background: #fff;
  font-weight: 500;
  font-size: 18px;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  user-select: none;
  padding: 0;
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
}

.qty-btn:hover {
  background: #4ba3d4;
  color: #fff;
  border-color: #4ba3d4;
  transform: translateY(-1px);
  box-shadow: 0 4px 8px rgba(75, 163, 212, 0.3);
}

.qty-btn:active {
  transform: translateY(0);
}

.control-wrapper {
  display: flex;
  align-items: center;
  gap: 12px;
}

.range-minmax {
  display: none;
}

.res-label {
  font-size: 11px;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 6px;
}

.res-amount {
  font-family: "Inter", serif;
  font-size: clamp(32px, 8vw, 44px);
  font-weight: 700;
  color: #4ba3d4;
  line-height: 1.1;
  margin-bottom: 32px;
  word-wrap: break-word;
}

/* Doughnut Chart & canvas chart (e.g. retirement) */
.sip-chart-container {
  display: flex;
  justify-content: center;
  margin-bottom: 32px;
  min-width: 0;
  overflow: hidden;
}

.sip-chart-container canvas {
  max-width: 100%;
}

.chart-doughnut {
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: conic-gradient(#4ba3d4 0% 50%, rgba(255, 255, 255, 0.15) 50% 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
  transition: background 0.3s ease;
}

.chart-center {
  width: 155px;
  height: 155px;
  background: #1a2d5a;
  border-radius: 50%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  box-shadow: inset 0 4px 12px rgba(0, 0, 0, 0.2);
}

.est-profit-lbl {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.6);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 6px;
}

.est-profit-val {
  font-family: "Inter", serif;
  font-size: 28px;
  font-weight: 700;
  color: #4ba3d4;
  line-height: 1;
}

/* Results Grid */
.sip-results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 24px;
}

.res-box {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 8px;
  padding: 16px 20px;
  position: relative;
  overflow: hidden;
}

.res-box.full-width {
  grid-column: span 2;
}

.res-indicator {
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 4px;
}

.res-amount-sm {
  font-family: "Inter", serif;
  font-size: 22px;
  font-weight: 700;
  color: #fff;
  margin-top: 6px;
  line-height: 1;
}

.sip-btn {
  display: inline-block;
  margin-top: 28px;
  background: #4ba3d4;
  color: #fff;
  padding: 12px 28px;
  border-radius: 4px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: background 0.2s;
}

.sip-btn:hover {
  background: #6bbde0;
}

.sip-note {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.3);
  margin-top: 12px;
  line-height: 1.5;
}

/* INVESTMENT GROWTH READY RECKONER */
#reckoner {
  background: #ffffff;
}

.reckoner-controls {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  max-width: 960px;
  margin: 0 auto 40px;
  background: #f8f9fb;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 28px 32px;
}

.reckoner-input-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.reckoner-label {
  font-size: 11px;
  letter-spacing: 1px;
  text-transform: uppercase;
  font-weight: 600;
  color: #94a3b8;
}

.rk-control-wrapper {
  display: flex;
  align-items: center;
  gap: 8px;
}

.reckoner-input-wrap {
  position: relative;
  display: flex;
  align-items: center;
  flex: 1;
  min-width: 0;
}

.reckoner-prefix,
.reckoner-suffix {
  position: absolute;
  color: #1a2d5a;
  font-weight: 600;
  font-size: 15px;
  pointer-events: none;
  z-index: 1;
}

.reckoner-prefix { left: 12px; }
.reckoner-suffix { right: 12px; }

.reckoner-input {
  width: 100%;
  padding: 10px 12px;
  font-family: "Inter", sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: #1a2d5a;
  background: #fff;
  border: 1px solid #dde6ef;
  border-radius: 6px;
  outline: none;
  text-align: right;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.reckoner-input.has-prefix { padding-left: 28px; }
.reckoner-input.has-suffix { padding-right: 36px; }

.reckoner-input:focus {
  border-color: #4ba3d4;
  box-shadow: 0 0 0 3px rgba(75, 163, 212, 0.15);
}

.reckoner-input::-webkit-outer-spin-button,
.reckoner-input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.reckoner-input[type=number] {
  -moz-appearance: textfield;
  appearance: textfield;
}

.reckoner-table-wrap {
  max-width: 1100px;
  margin: 0 auto;
}

.reckoner-table-scroll {
  overflow-x: auto;
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  box-shadow: 0 8px 32px rgba(26, 45, 90, 0.07);
  -webkit-overflow-scrolling: touch;
}

#reckoner-table {
  width: 100%;
  border-collapse: collapse;
  font-family: "Inter", sans-serif;
  font-size: 13px;
  min-width: 700px;
}

#reckoner-table thead tr {
  background: linear-gradient(135deg, #0f1c3f 0%, #1a2d5a 100%);
}

#reckoner-table th {
  padding: 14px 10px;
  color: #fff;
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.5px;
  text-align: center;
  white-space: nowrap;
  border-right: 1px solid rgba(255,255,255,0.08);
}

#reckoner-table th:last-child {
  border-right: none;
}

.rk-corner {
  position: relative;
  min-width: 140px;
  text-align: left !important;
  padding: 10px 14px !important;
}

.rk-corner-row {
  display: block;
  font-size: 10px;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 2px;
}

.rk-corner-col {
  display: block;
  font-size: 10px;
  color: #4ba3d4;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

#reckoner-table tbody tr {
  transition: background 0.15s;
}

#reckoner-table tbody tr:hover {
  background: rgba(75, 163, 212, 0.04);
}

#reckoner-table td {
  padding: 12px 10px;
  text-align: center;
  border-bottom: 1px solid #f1f5f9;
  border-right: 1px solid #f1f5f9;
  font-weight: 600;
  transition: background 0.2s, transform 0.15s;
  white-space: nowrap;
}

#reckoner-table td:last-child {
  border-right: none;
}

#reckoner-table td:first-child {
  background: #f8f9fb;
  color: #1a2d5a;
  font-weight: 700;
  font-size: 12px;
  text-align: left;
  padding: 10px 14px;
  border-right: 2px solid #e2e8f0;
  white-space: nowrap;
  min-width: 140px;
  position: sticky;
  left: 0;
  z-index: 2;
}

.rk-row-label-sip {
  display: block;
  font-weight: 700;
  color: #1a2d5a;
  font-size: 13px;
  line-height: 1.3;
}

.rk-row-label-invested {
  display: block;
  font-weight: 500;
  color: #94a3b8;
  font-size: 10px;
  line-height: 1.3;
  margin-top: 2px;
}

/* Heat-map cell colours — Yellow (low) → Orange → Light Green → Dark Green (high) */
.rk-cell-na {
  background: #f8f9fb !important;
  color: #cbd5e1 !important;
  font-weight: 400 !important;
  font-style: italic;
}

.rk-cell-low {
  background: rgba(255, 193, 7, 0.15); /* Yellow */
  color: #9a7100;
}

.rk-cell-mid {
  background: rgba(76, 175, 80, 0.1); /* Lightest Green (1x) */
  color: #2e7d32;
}

.rk-cell-high {
  background: rgba(76, 175, 80, 0.25); /* Light Green (2x) */
  color: #1b5e20;
}

.rk-cell-vhigh {
  background: rgba(76, 175, 80, 0.45); /* Moderate Green (5x) */
  color: #0d3d0f;
}

.rk-cell-ultra {
  background: rgba(27, 94, 32, 0.5); /* Deepest Green (10x) */
  color: #ffffff;
  font-weight: 700;
}

/* Legend */
.reckoner-legend {
  display: flex;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 20px;
  padding: 12px 16px;
  background: #f8f9fb;
  border-radius: 8px;
  border: 1px solid #e2e8f0;
}

.reckoner-legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 500;
  color: #64748b;
}

.reckoner-dot {
  width: 12px;
  height: 12px;
  border-radius: 3px;
  flex-shrink: 0;
}

.reckoner-dot-low   { background: rgba(255, 193, 7, 0.5); }
.reckoner-dot-mid   { background: rgba(76, 175, 80, 0.15); } /* Fixed typo */
.reckoner-dot-high  { background: rgba(76, 175, 80, 0.35); }
.reckoner-dot-vhigh { background: rgba(76, 175, 80, 0.55); }
.reckoner-dot-ultra { background: rgba(27, 94, 32, 0.65); }
.reckoner-dot-na    { background: #e2e8f0; }

/* Responsive */
@media (max-width: 900px) {
  .reckoner-controls {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 600px) {
  .reckoner-controls {
    grid-template-columns: 1fr;
    padding: 20px;
    gap: 16px;
  }
  .rk-control-wrapper {
    width: 100%;
    justify-content: space-between;
  }
  .reckoner-legend {
    gap: 10px;
    padding: 10px 12px;
  }
  .reckoner-legend-item {
    font-size: 11px;
  }
  #reckoner-table {
    font-size: 12px;
  }
  #reckoner-table td:first-child {
    min-width: 120px;
    padding: 8px 10px;
  }
  .rk-row-label-sip {
    font-size: 12px;
  }
  .rk-row-label-invested {
    font-size: 9px;
  }
}

/* PROCESS */
#process {
  background: #f8f9fb;
}

#process .section-title {
  text-align: center;
}

#process .section-label {
  text-align: center;
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: 56px;
  position: relative;
}

.steps::before {
  content: "";
  position: absolute;
  top: 30px;
  left: 12.5%;
  right: 12.5%;
  height: 1px;
  background: linear-gradient(90deg, transparent, #4ba3d4, transparent);
}

.step {
  text-align: center;
  padding: 0 20px;
}

.step-num {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: #f8f9fb;
  border: 2px solid #4ba3d4;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-family: "Playfair Display", serif;
  font-size: 20px;
  font-weight: 700;
  color: #1a2d5a;
  position: relative;
  z-index: 1;
}

.step h4 {
  font-size: 15px;
  font-weight: 600;
  color: #1a2d5a;
  margin-bottom: 8px;
}

.step p {
  font-size: 13px;
  color: #64748b;
  line-height: 1.6;
}

/* TESTIMONIALS */
#testimonials {
  background: #1a2d5a;
}

#testimonials .section-title {
  color: #fff;
}

.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testi-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(75, 163, 212, 0.18);
  border-radius: 8px;
  padding: 28px;
}

.stars {
  color: #4ba3d4;
  font-size: 14px;
  margin-bottom: 14px;
}

.testi-card p {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.7);
  font-style: italic;
  margin-bottom: 20px;
}

.testi-author {
  display: flex;
  gap: 12px;
  align-items: center;
}

.testi-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, #4ba3d4, #1a2d5a);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  color: #fff;
}

.testi-name {
  font-size: 13px;
  font-weight: 600;
  color: #fff;
}

.testi-loc {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.4);
}

/* CONTACT */
#contact {
  background: #fff;
}

.contact-wrap {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 64px;
  align-items: start;
}

.contact-info h3 {
  font-family: "Playfair Display", serif;
  font-size: 24px;
  color: #1a2d5a;
  margin-bottom: 28px;
}

.cinfo-item {
  display: flex;
  gap: 14px;
  margin-bottom: 20px;
}

.cinfo-icon {
  width: 42px;
  height: 42px;
  border-radius: 6px;
  background: #f0f7fd;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}

.cinfo-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: #94a3b8;
  font-weight: 600;
  margin-bottom: 3px;
}

.cinfo-val {
  font-size: 14px;
  color: #1a2d5a;
}

.map-wrap {
  margin-top: 24px;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid #e2e8f0;
}

.map-wrap iframe {
  display: block;
}

.map-link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  background: #1a2d5a;
  color: #fff;
  text-decoration: none;
  font-size: 13px;
  font-weight: 600;
  transition: background 0.2s;
}

.map-link:hover {
  background: #4ba3d4;
}

.contact-form {
  background: #f8f9fb;
  border-radius: 8px;
  padding: 36px;
  border: 1px solid #e2e8f0;
}

.contact-form h3 {
  font-family: "Playfair Display", serif;
  font-size: 22px;
  color: #1a2d5a;
  margin-bottom: 24px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.fgroup {
  margin-bottom: 16px;
}

.fgroup label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #94a3b8;
  margin-bottom: 5px;
}

.fgroup input,
.fgroup select,
.fgroup textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid #e2e8f0;
  border-radius: 4px;
  font-family: "Inter", Arial, sans-serif;
  font-size: 14px;
  color: #1a2d5a;
  background: #fff;
  outline: none;
  transition: border-color 0.2s;
}

.fgroup input:focus,
.fgroup select:focus,
.fgroup textarea:focus {
  border-color: #4ba3d4;
}

.fgroup textarea {
  height: 90px;
  resize: vertical;
}

.form-submit {
  width: 100%;
  background: #1a2d5a;
  color: #fff;
  border: none;
  padding: 13px;
  font-family: "Inter", Arial, sans-serif;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.5px;
  cursor: pointer;
  border-radius: 4px;
  transition: background 0.2s;
}

.form-submit:hover {
  background: #4ba3d4;
}

.reg-box {
  margin-top: 24px;
  padding: 16px;
  background: #edf6fb;
  border-radius: 6px;
  border-left: 3px solid #4ba3d4;
  display: flex;
  align-items: center;
  gap: 16px;
}

.reg-avatar {
  height: 250px;
  border-radius: 10%;
  object-fit: cover;
  flex-shrink: 0;
  border: 2px solid #fff;
  box-shadow: 0 4px 12px rgba(26, 45, 90, 0.08);
}

.reg-box p {
  font-size: 12px;
  color: #1a2d5a;
  line-height: 1.7;
}

/* FOOTER */
footer {
  background: #0f1c3f;
  padding: 56px 40px 28px;
  border-top: 1px solid rgba(75, 163, 212, 0.15);
}

.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand p {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.45);
  line-height: 1.7;
  margin-top: 14px;
  max-width: 260px;
}

.footer-col h5 {
  font-size: 11px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: #4ba3d4;
  font-weight: 600;
  margin-bottom: 14px;
}

.footer-col ul {
  list-style: none;
}

.footer-col li {
  margin-bottom: 8px;
}

.footer-col a {
  color: rgba(255, 255, 255, 0.45);
  font-size: 13px;
  text-decoration: none;
  transition: color 0.2s;
}

.footer-col a:hover {
  color: #4ba3d4;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.07);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
}

.footer-bottom .copy {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.3);
}

.footer-bottom .disc {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.2);
  max-width: 520px;
  line-height: 1.5;
}

/* WHATSAPP */
.wa-wrap {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 9999;
  display: flex;
  align-items: center;
  gap: 10px;
}

.wa-tooltip {
  background: #1a2d5a;
  color: #fff;
  font-size: 12px;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: 20px;
  white-space: nowrap;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.15);
  opacity: 0;
  transform: translateX(8px);
  transition: opacity 0.3s, transform 0.3s;
  pointer-events: none;
}

.wa-wrap:hover .wa-tooltip {
  opacity: 1;
  transform: translateX(0);
}

.wa-btn {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25d366;
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  box-shadow: 0 4px 20px rgba(37, 211, 102, 0.45);
  animation: waPulse 2.5s infinite;
  transition: transform 0.2s;
}

.wa-btn:hover {
  transform: scale(1.1);
}

@keyframes waPulse {

  0%,
  100% {
    box-shadow: 0 4px 20px rgba(37, 211, 102, 0.45);
  }

  50% {
    box-shadow: 0 4px 32px rgba(37, 211, 102, 0.75);
  }
}

/* SCROLL REVEAL */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.in {
  opacity: 1;
  transform: translateY(0);
}

/* RESPONSIVE */
@media (max-width: 900px) {
  .services-grid {
    grid-template-columns: 1fr 1fr;
  }

  .why-grid {
    grid-template-columns: 1fr;
  }

  .steps {
    grid-template-columns: 1fr 1fr;
  }

  .steps::before {
    display: none;
  }

  .testi-grid {
    grid-template-columns: 1fr;
  }

  .contact-wrap {
    grid-template-columns: 1fr;
  }

  .footer-top {
    grid-template-columns: 1fr 1fr;
  }

  .sip-wrap {
    grid-template-columns: 1fr;
  }

  .sip-left,
  .sip-right {
    padding: 20px;
  }

  .sip-right {
    gap: 16px;
  }

  .qty-btn {
    width: 36px;
    height: 36px;
    font-size: 20px;
  }

  .range-input {
    width: 100%;
  }

  .sip-results-grid {
    grid-template-columns: 1fr;
  }

  #hero h1 {
    font-size: 38px;
  }

  .hero-stats {
    gap: 28px;
  }

  /* Step 1: Hide "For Consultations" first when space is tight */
  .nav-contact-top {
    display: none;
  }
}

@media (max-width: 600px) {
  .services-grid {
    grid-template-columns: 1fr;
  }

  .steps {
    grid-template-columns: 1fr;
  }

  #navbar {
    padding: 0 15px;
    height: 60px;
  }

  .hero-logo-main img {
    height: 38px;
  }

  .section,
  #hero {
    padding-left: 20px;
    padding-right: 20px;
  }

  .hero-stats {
    flex-wrap: wrap;
  }

  /* Step 2: Hide Sign In/Sign Up, show hamburger when space is very tight */
  .nav-links {
    display: none;
  }

  .nav-toggle {
    display: flex !important;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    background: none;
    border: none;
    cursor: pointer;
    color: #1a2d5a;
    padding: 8px;
    z-index: 1002;
    margin-left: 10px;
  }

  .sip-left,
  .sip-right {
    padding: 24px;
  }

  .contact-form,
  .contact-info {
    padding: 0;
  }

  .contact-form {
    padding: 24px;
  }

  .footer-top {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  /* Hamburger Menu & Navigation */
  .nav-toggle {
    display: flex !important;
    align-items: center;
    justify-content: center;
    font-size: 26px;
    background: none;
    border: none;
    cursor: pointer;
    color: #1a2d5a;
    padding: 8px;
    z-index: 1002;
    margin-left: 10px;
  }

  /* Ensure sign in/up are visible in mobile active */
  .nav-links.mobile-active {
    display: flex !important;
    position: absolute;
    top: 60px;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column !important;
    padding: 40px 20px;
    border-bottom: 3px solid #4ba3d4;
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.15);
    z-index: 1001;
    gap: 20px;
    text-align: center;
    align-items: stretch;
  }

  .nav-links.mobile-active li {
    display: block !important;
  }

  .nav-links.mobile-active a {
    font-size: 16px;
    display: block;
    padding: 12px;
  }

  /* Keep Sign Up button compact and centered in mobile menu */
  .nav-links.mobile-active .nav-signup-cta {
    display: inline-block !important;
    padding: 12px 24px !important;
    text-align: center;
    border-radius: 6px;
  }

  /* XIRR Mobile Adjustments */
  #xirr-table th,
  #xirr-table td {
    padding: 8px 6px !important;
    font-size: 12px;
  }

  #xirr-table .range-input {
    font-size: 13px !important;
    padding: 6px 4px !important;
  }

  .x-freq-group {
    grid-template-columns: 1fr !important;
  }

  /* Layout fixes for calculators */
  .range-header {
    flex-direction: column;
    align-items: flex-start;
    margin-bottom: 12px;
  }

  .range-lbl {
    font-size: 11px;
    margin-bottom: 8px;
    line-height: 1.2;
  }

  .control-wrapper {
    width: 100%;
    justify-content: space-between;
    gap: 8px;
  }

  .input-wrapper {
    flex: 1;
    min-width: 0;
  }

  .range-input {
    width: 100% !important;
    font-size: 15px;
    text-align: right;
  }

  .sip-results-grid {
    grid-template-columns: 1fr;
  }

  .res-amount-sm {
    font-size: 20px;
  }

  .chart-doughnut {
    width: 180px;
    height: 180px;
  }

  .chart-center {
    width: 140px;
    height: 140px;
  }

  .est-profit-val {
    font-size: 24px;
  }
}


/* Loan Mode Buttons */
.loan-mode-btn {
  background: transparent;
  border: none;
  color: #64748b;
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  border-radius: 6px;
  transition: all 0.2s;
  font-family: 'Inter', sans-serif;
}

.loan-mode-btn.active {
  background: #1a2d5a;
  color: #fff;
  box-shadow: 0 4px 12px rgba(26, 45, 90, 0.2);
}

.loan-mode-btn:hover:not(.active) {
  color: #1a2d5a;
  background: rgba(26, 45, 90, 0.05);
}

/* XIRR Utils */
.x-btn-blue {
  background: #1a2d5a;
  color: #fff;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  font-weight: 600;
  transition: opacity 0.2s;
}

.x-btn-blue:hover {
  opacity: 0.9;
}

.x-btn-ghost {
  background: transparent;
  border: 1px solid #e2e8f0;
  border-radius: 6px;
  cursor: pointer;
  color: #64748b;
  transition: all 0.2s;
}

.x-btn-ghost:hover {
  background: rgba(0, 0, 0, 0.02);
  border-color: #cbd5e1;
}

.x-amt:focus,
.x-date:focus {
  background: #fff !important;
  border-color: #4ba3d4 !important;
  box-shadow: inset 0 0 0 1px #4ba3d4;
}


/* ===== MOBILE FIX FOR CALCULATORS ===== */
@media (max-width: 768px) {

  .sip-wrap {
    grid-template-columns: 1fr;
    /* stack vertically */
    max-width: 100%;
    border-radius: 10px;
  }

  .sip-left {
    padding: 24px 18px;
  }

  .sip-right {
    padding: 24px 18px;
  }

  .range-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }

  .control-wrapper {
    width: 100%;
    justify-content: space-between;
    gap: 8px;
  }

  .input-wrapper {
    flex: 1;
    min-width: 0;
    width: 100%;
  }

  .range-input {
    width: 100% !important;
    flex: 1;
  }

  .sip-chart-container {
    margin-bottom: 20px;
  }

  .chart-doughnut {
    width: 160px;
    height: 160px;
  }

  .chart-center {
    width: 120px;
    height: 120px;
  }

  .sip-results-grid {
    grid-template-columns: 1fr;
  }

  .res-box.full-width {
    grid-column: span 1;
  }
}