/* Styles used only by index.html */

body {
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 400;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  padding-top: 106px;
}

.contact-hero-img {
  width: 100%;
  height: 220px;
  object-fit: cover;
  object-position: center 20%;
  display: block;
  border-radius: 14px;
  margin-top: 36px;
  flex-shrink: 0;
}

@media (max-width: 900px) {
  .contact-hero-img {
    height: 200px;
    margin-top: 28px;
  }
}

.contact-section {
  background: var(--off-white);
  padding: 80px 5%;
  display: flex;
  justify-content: center;
  border-top: 1px solid var(--grey-light);
}

.contact-layout {
  width: 100%;
  max-width: 1100px;
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 0;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(26,46,90,0.12);
}

.contact-info-panel {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 52px 40px;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.contact-info-panel::before {
  content: '';
  position: absolute;
  bottom: -60px;
  right: -60px;
  width: 240px;
  height: 240px;
  border-radius: 50%;
  background: rgba(46,139,71,0.12);
  pointer-events: none;
}

.contact-info-panel .eyebrow {
  color: rgba(255,255,255,0.6);
  margin-bottom: 16px;
}

.contact-info-title {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 14px;
}

.contact-info-subtitle {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  line-height: 1.65;
  margin-bottom: 40px;
  font-weight: 300;
}

.contact-info-items {
  display: flex;
  flex-direction: column;
  gap: 24px;
  flex: 1;
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-info-icon {
  width: 42px;
  height: 42px;
  border-radius: 11px;
  background: rgba(46,139,71,0.2);
  border: 1px solid rgba(58,173,90,0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--green-light);
  font-size: 16px;
}

.contact-info-text {
  display: flex;
  flex-direction: column;
  gap: 3px;
  padding-top: 3px;
}

.contact-info-label {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--green-light);
}

.contact-info-value {
  font-size: 14px;
  color: rgba(255,255,255,0.75);
  font-weight: 400;
  line-height: 1.55;
  text-decoration: none;
  transition: color 0.2s;
}

a.contact-info-value:hover {
  color: var(--white);
}

.contact-whatsapp-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(37,211,102,0.12);
  border: 1px solid rgba(37,211,102,0.3);
  color: #25d366;
  padding: 11px 20px;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  margin-top: 36px;
  transition: background 0.2s, border-color 0.2s;
  width: fit-content;
}

.contact-whatsapp-btn:hover {
  background: rgba(37,211,102,0.22);
  border-color: rgba(37,211,102,0.5);
}

.contact-layout .form-wrapper {
  background: var(--white);
  padding: 52px 44px;
  max-width: 100%;
  animation: none;
}

@media (max-width: 900px) {
  .contact-layout {
    grid-template-columns: 1fr;
  }
  .contact-info-panel {
    padding: 40px 32px;
  }
  .contact-layout .form-wrapper {
    padding: 40px 32px;
  }
}

@media (max-width: 640px) {
  .contact-section {
    padding: 48px 5%;
  }
  .contact-layout .form-wrapper {
    padding: 28px 20px;
  }
  .contact-info-panel {
    padding: 32px 20px;
  }
  .contact-info-title {
    font-size: 1.6rem;
  }
}

@media (max-width: 380px) {
  .top-bar .maps-link {
    display: none;
  }
  .top-bar-divider:first-of-type {
    display: none;
  }
}

@media (max-width: 700px) {
  .reviews-section {
    padding: 60px 5% 64px;
  }
  .featured-quote {
    padding: 24px 20px;
  }
}

:root {
  --navy: #1a2e5a;
  --navy-dark: #0f1e3d;
  --green: #2e8b47;
  --green-light: #3aad5a;
  --green-pale: #e8f5ec;
  --white: #ffffff;
  --off-white: #f7f9fc;
  --grey-light: #eef1f6;
  --grey-mid: #c8d0de;
  --ink: #1a2030;
  --text-muted: #6b7a99;
  --gold: #c8922a;
}

html {
  scroll-behavior: smooth;
}

.hero {
  min-height: calc(100vh - 90px - 40px);
  display: grid;
  grid-template-columns: 55% 45%;
  position: relative;
  background: var(--white);
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 15% 60%, rgba(26,46,90,0.04) 0%, transparent 55%), radial-gradient(ellipse at 85% 10%, rgba(46,139,71,0.05) 0%, transparent 50%);
  pointer-events: none;
}

.hero-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 72px 5% 72px 7%;
  position: relative;
  z-index: 2;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 20px;
  opacity: 0;
  animation: fadeUp 0.6s ease forwards 0.1s;
}

.eyebrow-line {
  width: 28px;
  height: 2px;
  background: var(--green);
  border-radius: 2px;
}

.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 3.5vw, 3.6rem);
  font-weight: 900;
  line-height: 1.13;
  color: var(--navy-dark);
  margin-bottom: 22px;
  opacity: 0;
  animation: fadeUp 0.6s ease forwards 0.22s;
}

.hero-title em {
  font-style: italic;
  color: var(--green);
}

.hero-subtitle {
  font-size: 15.5px;
  font-weight: 400;
  line-height: 1.75;
  color: var(--text-muted);
  max-width: 480px;
  margin-bottom: 38px;
  opacity: 0;
  animation: fadeUp 0.6s ease forwards 0.36s;
}

.cta-group {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 52px;
  opacity: 0;
  animation: fadeUp 0.6s ease forwards 0.5s;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--navy);
  color: var(--white);
  padding: 14px 28px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.25s;
  box-shadow: 0 4px 18px rgba(26,46,90,0.22);
  position: relative;
  overflow: hidden;
}

.btn-primary::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--green), var(--green-light));
  opacity: 0;
  transition: opacity 0.25s;
}

.btn-primary:hover::before {
  opacity: 1;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 26px rgba(46,139,71,0.28);
}

.btn-primary span {
  position: relative;
  z-index: 1;
}

.btn-primary .arrow {
  position: relative;
  z-index: 1;
  transition: transform 0.2s;
}

.btn-primary:hover .arrow {
  transform: translateX(4px);
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: transparent;
  color: var(--navy);
  padding: 13px 26px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  border: 2px solid var(--grey-mid);
  transition: all 0.25s;
}

.btn-secondary:hover {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.trust-pills {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 0.6s ease forwards 0.64s;
}

.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 20px;
  font-size: 12px;
  font-weight: 500;
  color: var(--navy);
  box-shadow: 0 2px 8px rgba(26,46,90,0.05);
}

.trust-pill .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--green);
  flex-shrink: 0;
}

.hero-visual {
  position: relative;
  overflow: hidden;
  opacity: 0;
  animation: fadeIn 0.9s ease forwards 0.3s;
}

.hero-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.hero-visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(255,255,255,0.25) 0%, transparent 25%);
  z-index: 1;
}

.stat-card {
  position: absolute;
  bottom: 80px;
  left: 20px;
  background: var(--white);
  border-radius: 14px;
  padding: 16px 20px;
  box-shadow: 0 12px 40px rgba(26,46,90,0.14);
  z-index: 10;
  min-width: 150px;
  opacity: 0;
  animation: floatIn 0.7s ease forwards 1s;
}

.stat-card-num {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 900;
  color: var(--navy-dark);
  line-height: 1;
  margin-bottom: 4px;
}

.stat-card-num span {
  color: var(--green);
}

.stat-card-label {
  font-size: 11.5px;
  color: var(--text-muted);
  font-weight: 500;
}

.rating-card {
  position: absolute;
  top: 40px;
  left: 20px;
  background: var(--navy-dark);
  color: var(--white);
  border-radius: 12px;
  padding: 14px 18px;
  box-shadow: 0 10px 32px rgba(15,30,61,0.28);
  z-index: 10;
  opacity: 0;
  animation: floatIn 0.7s ease forwards 1.15s;
}

.rating-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 4px;
}

.star {
  color: var(--gold);
  font-size: 13px;
}

.rating-score {
  font-size: 17px;
  font-weight: 700;
  color: var(--white);
}

.rating-text {
  font-size: 11.5px;
  color: rgba(255,255,255,0.65);
  font-weight: 400;
}

.proof-bar {
  background: var(--navy-dark);
  padding: 16px 7%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
}

.proof-item {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.11);
  border-radius: 40px;
  padding: 8px 18px 8px 8px;
  opacity: 0;
  animation: fadeUp 0.5s ease forwards;
  transition: background 0.2s, border-color 0.2s;
  cursor: default;
}

.proof-item:hover {
  background: rgba(255,255,255,0.12);
  border-color: rgba(46,139,71,0.55);
}

.proof-icon {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: rgba(46,139,71,0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
}

.proof-item:nth-child(1) {
  animation-delay: 0.9s;
}

.proof-item:nth-child(2) {
  animation-delay: 1.05s;
}

.proof-item:nth-child(3) {
  animation-delay: 1.2s;
}

.proof-item:nth-child(4) {
  animation-delay: 1.35s;
}

.proof-text {
  display: flex;
  flex-direction: column;
  gap: 1px;
}

.proof-num {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  white-space: nowrap;
}

.proof-num sup {
  font-size: 0.7em;
  font-weight: 700;
  color: #3aad5a;
  vertical-align: super;
}

.proof-label {
  font-size: 10.5px;
  color: rgba(255,255,255,0.48);
  font-weight: 400;
  white-space: nowrap;
  line-height: 1.2;
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

@keyframes floatIn {
  from { opacity: 0; transform: translateX(16px); }
  to   { opacity: 1; transform: translateX(0); }
}

@media (max-width: 960px) {
  .nav-menu, .nav-book {
    display: none;
  }
  .hamburger {
    display: flex;
  }
  header nav, body > nav, .site-header-wrap > nav {
    height: 60px;
  }
  .nav-logo img {
    height: 46px;
  }
  .hero {
    grid-template-columns: 1fr;
    min-height: auto;
  }
  .hero-visual {
    height: 55vw;
    min-height: 280px;
    order: -1;
  }
  .hero-content {
    padding: 48px 6% 52px;
  }
  .stat-card, .rating-card {
    display: none;
  }
  .proof-bar {
    padding: 14px 4%;
    gap: 8px;
  }
  .proof-item {
    padding: 7px 14px 7px 7px;
  }
  .top-bar {
    justify-content: center;
    font-size: 11.5px;
    padding: 7px 4%;
  }
}

@media (max-width: 480px) {
  .hero-title {
    font-size: 2rem;
  }
  .proof-bar {
    gap: 8px;
    justify-content: center;
  }
  .proof-item {
    flex: 0 1 calc(50% - 8px);
  }
}

.partners-section {
  background: var(--off-white);
  padding: 64px 0 60px;
  overflow: hidden;
  border-top: 1px solid var(--grey-light);
  border-bottom: 1px solid var(--grey-light);
}

.partners-header {
  text-align: center;
  padding: 0 5%;
  margin-bottom: 44px;
}

.partners-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 14px;
}

.partners-eyebrow::before, .partners-eyebrow::after {
  content: '';
  display: block;
  width: 32px;
  height: 1.5px;
  background: var(--green);
  opacity: 0.45;
}

.partners-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.partners-sub {
  font-size: 15px;
  color: var(--text-muted);
  max-width: 500px;
  margin: 0 auto;
  line-height: 1.65;
}

.partners-strip {
  position: relative;
  width: 100%;
  overflow: hidden;
  cursor: grab;
  -webkit-user-select: none;
  user-select: none;
}

.partners-strip:active {
  cursor: grabbing;
}

.partners-fade-l, .partners-fade-r {
  position: absolute;
  top: 0;
  bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}

.partners-fade-l {
  left: 0;
  background: linear-gradient(to right, var(--off-white), transparent);
}

.partners-fade-r {
  right: 0;
  background: linear-gradient(to left, var(--off-white), transparent);
}

.partners-track {
  display: flex;
  align-items: center;
  gap: 18px;
  width: max-content;
  padding: 12px 0;
  will-change: transform;
}

.partners-track.scrolling {
  animation: pScroll 36s linear infinite;
}

.partners-track.paused {
  animation-play-state: paused;
}

@keyframes pScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

.p-card {
  flex-shrink: 0;
  width: 210px;
  height: 96px;
  background: var(--white);
  border: 1.5px solid var(--grey-light);
  border-radius: 14px;
  box-shadow: 0 2px 10px rgba(26,46,90,0.05);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 10px 16px;
  transition: box-shadow 0.25s, transform 0.22s, border-color 0.22s;
  overflow: hidden;
}

.p-card:hover {
  box-shadow: 0 8px 28px rgba(26,46,90,0.12);
  transform: translateY(-4px);
  border-color: var(--green);
}

.p-card img, .p-card svg {
  width: 178px;
  height: 72px;
  object-fit: contain;
  object-position: center;
  display: block;
  flex-shrink: 0;
  max-width: 100%;
}

@media (max-width: 600px) {
  .p-card {
    width: 170px;
    height: 84px;
    padding: 8px 12px;
  }
  .p-card img, .p-card svg {
    width: 146px;
    height: 60px;
  }
  .partners-fade-l, .partners-fade-r {
    width: 60px;
  }
}

.svc-section {
  max-width: 1100px;
  margin: 0 auto;
  padding: 80px 24px 96px;
}

.svc-header {
  text-align: center;
  margin-bottom: 52px;
}

.eyebrow-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 18px;
}

.eyebrow-line {
  width: 28px;
  height: 2px;
  background: var(--green);
  border-radius: 2px;
}

.svc-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 700;
  line-height: 1.1;
  color: var(--navy-dark);
  margin-bottom: 16px;
}

.svc-header h2 em {
  font-style: italic;
  font-weight: 400;
  color: var(--green);
}

.svc-header p {
  font-size: 16px;
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-muted);
  max-width: 500px;
  margin: 0 auto 28px;
}

.trust-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  justify-content: center;
}

.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 20px;
  font-size: 12px;
  font-weight: 500;
  color: var(--navy);
  box-shadow: 0 2px 8px rgba(26,46,90,0.05);
}

.trust-pill .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--green);
  flex-shrink: 0;
}

.tab-guide {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-bottom: 10px;
  animation: fadeUp 0.5s ease 0.9s both;
  transition: opacity 0.35s ease, transform 0.35s ease;
}

.tab-guide.hidden {
  opacity: 0;
  pointer-events: none;
  transform: translateY(-6px);
}

.guide-text {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green);
}

.guide-chevrons {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1px;
}

.guide-chevrons span {
  display: block;
  width: 6px;
  height: 6px;
  border-right: 2px solid var(--green);
  border-bottom: 2px solid var(--green);
  transform: rotate(45deg);
  animation: chevFade 1s ease-in-out infinite;
}

.guide-chevrons span:nth-child(1) {
  animation-delay: 0s;
}

.guide-chevrons span:nth-child(2) {
  animation-delay: 0.14s;
}

.guide-chevrons span:nth-child(3) {
  animation-delay: 0.28s;
}

@keyframes chevFade {
      0%,100% { opacity: 0.15; transform: rotate(45deg) translateY(-3px); }
      55%      { opacity: 1;    transform: rotate(45deg) translateY(2px); }
    
}

.tab-nav {
  display: flex;
  gap: 8px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.tab-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 22px;
  border-radius: 8px;
  border: 1.5px solid var(--grey-mid);
  background: var(--white);
  font-family: 'DM Sans', sans-serif;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--text-muted);
  cursor: pointer;
  transition: all 0.25s;
  white-space: nowrap;
  box-shadow: 0 2px 8px rgba(26,46,90,0.05);
  opacity: 0;
  animation: fadeUp 0.5s ease forwards;
}

.tab-btn:nth-child(1) {
  animation-delay: 0.9s;
}

.tab-btn:nth-child(2) {
  animation-delay: 1.0s;
}

.tab-btn:nth-child(3) {
  animation-delay: 1.1s;
}

.tab-btn:nth-child(4) {
  animation-delay: 1.2s;
}

.tab-btn:nth-child(5) {
  animation-delay: 1.3s;
}

.tab-nav.untouched .tab-btn:not(.active) {
  animation: fadeUp 0.5s ease forwards, idlePulse 2.6s ease-in-out infinite;
}

.tab-nav.untouched .tab-btn:nth-child(1) {
  animation-delay: 0.9s, 1.8s;
}

.tab-nav.untouched .tab-btn:nth-child(2) {
  animation-delay: 1.0s, 1.95s;
}

.tab-nav.untouched .tab-btn:nth-child(3) {
  animation-delay: 1.1s, 2.1s;
}

.tab-nav.untouched .tab-btn:nth-child(4) {
  animation-delay: 1.2s, 2.25s;
}

.tab-nav.untouched .tab-btn:nth-child(5) {
  animation-delay: 1.3s, 2.4s;
}

@keyframes idlePulse {
      0%,100% { box-shadow: 0 2px 8px rgba(26,46,90,0.05); border-color: var(--grey-mid); }
      50%      { box-shadow: 0 0 0 4px rgba(46,139,71,0.12); border-color: var(--green-light); }
    
}

.tab-btn .tab-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--grey-mid);
  transition: background 0.25s;
  flex-shrink: 0;
}

.tab-btn:hover {
  border-color: var(--navy);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(26,46,90,0.12);
}

.tab-btn:hover .tab-dot {
  background: var(--navy);
}

.tab-btn.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
  box-shadow: 0 4px 18px rgba(26,46,90,0.22);
  transform: translateY(-1px);
}

.tab-btn.active .tab-dot {
  background: rgba(255,255,255,0.6);
}

.tab-btn[data-tab="accounting"].active {
  background: #1a2e5a;
  border-color: #1a2e5a;
  box-shadow: 0 4px 18px rgba(26,46,90,0.28);
}

.tab-btn[data-tab="insurance"].active {
  background: #1e6e42;
  border-color: #1e6e42;
  box-shadow: 0 4px 18px rgba(30,110,66,0.28);
}

.tab-btn[data-tab="investments"].active {
  background: #5c2d91;
  border-color: #5c2d91;
  box-shadow: 0 4px 18px rgba(92,45,145,0.28);
}

.tab-btn[data-tab="mortgages"].active {
  background: #9b2c5e;
  border-color: #9b2c5e;
  box-shadow: 0 4px 18px rgba(155,44,94,0.28);
}

.tab-btn[data-tab="others"].active {
  background: #2d3a8c;
  border-color: #2d3a8c;
  box-shadow: 0 4px 18px rgba(45,58,140,0.28);
}

.tab-panel {
  display: none;
  animation: fadeUp 0.3s ease;
}

.tab-panel.active {
  display: block;
}

.panel-card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 4px 18px rgba(26,46,90,0.06);
}

.panel-banner {
  background: #1a2e5a;
  padding: 40px 48px;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}

.panel-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 15% 60%, rgba(26,46,90,0.4) 0%, transparent 55%), radial-gradient(ellipse at 85% 10%, rgba(46,139,71,0.12) 0%, transparent 50%);
  pointer-events: none;
}

#panel-accounting .panel-banner {
  background: #1a2e5a;
}

#panel-insurance .panel-banner {
  background: #1e6e42;
}

#panel-investments .panel-banner {
  background: #5c2d91;
}

#panel-mortgages .panel-banner {
  background: #9b2c5e;
}

#panel-others .panel-banner {
  background: #2d3a8c;
}

#panel-accounting .banner-eyebrow {
  color: #a8c8ff;
}

#panel-accounting .banner-eyebrow .line {
  background: #a8c8ff;
}

#panel-insurance .banner-eyebrow {
  color: #7ee8a2;
}

#panel-insurance .banner-eyebrow .line {
  background: #7ee8a2;
}

#panel-investments .banner-eyebrow {
  color: #d4a8ff;
}

#panel-investments .banner-eyebrow .line {
  background: #d4a8ff;
}

#panel-mortgages .banner-eyebrow {
  color: #fdb8d8;
}

#panel-mortgages .banner-eyebrow .line {
  background: #fdb8d8;
}

#panel-others .banner-eyebrow {
  color: #b8c8f4;
}

#panel-others .banner-eyebrow .line {
  background: #b8c8f4;
}

#panel-insurance .svc-tile-icon {
  background: #e6f7ee;
}

#panel-insurance .svc-tile-icon svg {
  stroke: #1e6e42;
}

#panel-insurance .svc-tile-arrow {
  background: #e6f7ee;
}

#panel-insurance .svc-tile-arrow svg {
  stroke: #1e6e42;
}

#panel-insurance .btn-ghost {
  color: #1e6e42;
  border-color: #1e6e42;
}

#panel-insurance .btn-ghost:hover {
  background: #1e6e42;
  color: var(--white);
}

#panel-investments .svc-tile-icon {
  background: #f2eafc;
}

#panel-investments .svc-tile-icon svg {
  stroke: #5c2d91;
}

#panel-investments .svc-tile-arrow {
  background: #f2eafc;
}

#panel-investments .svc-tile-arrow svg {
  stroke: #5c2d91;
}

#panel-investments .btn-ghost {
  color: #5c2d91;
  border-color: #5c2d91;
}

#panel-investments .btn-ghost:hover {
  background: #5c2d91;
  color: var(--white);
}

#panel-mortgages .svc-tile-icon {
  background: #fceef5;
}

#panel-mortgages .svc-tile-icon svg {
  stroke: #9b2c5e;
}

#panel-mortgages .svc-tile-arrow {
  background: #fceef5;
}

#panel-mortgages .svc-tile-arrow svg {
  stroke: #9b2c5e;
}

#panel-mortgages .btn-ghost {
  color: #9b2c5e;
  border-color: #9b2c5e;
}

#panel-mortgages .btn-ghost:hover {
  background: #9b2c5e;
  color: var(--white);
}

#panel-others .svc-tile-icon {
  background: #eaecf9;
}

#panel-others .svc-tile-icon svg {
  stroke: #2d3a8c;
}

#panel-others .svc-tile-arrow {
  background: #eaecf9;
}

#panel-others .svc-tile-arrow svg {
  stroke: #2d3a8c;
}

#panel-others .btn-ghost {
  color: #2d3a8c;
  border-color: #2d3a8c;
}

#panel-others .btn-ghost:hover {
  background: #2d3a8c;
  color: var(--white);
}

.banner-content {
  position: relative;
  z-index: 1;
}

.banner-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--green-light);
  margin-bottom: 12px;
}

.banner-eyebrow .line {
  width: 20px;
  height: 2px;
  background: var(--green-light);
  border-radius: 2px;
}

.panel-banner h3 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 10px;
}

.panel-banner h3 em {
  font-style: italic;
  font-weight: 400;
  color: rgba(255,255,255,0.75);
}

#panel-accounting h3 em {
  color: #a8c8ff;
}

#panel-insurance h3 em {
  color: #7ee8a2;
}

#panel-investments h3 em {
  color: #d4a8ff;
}

#panel-mortgages h3 em {
  color: #fdb8d8;
}

#panel-others h3 em {
  color: #b8c8f4;
}

.panel-banner p {
  font-size: 14px;
  font-weight: 400;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  max-width: 420px;
}

.banner-cta-wrap {
  position: relative;
  z-index: 1;
  flex-shrink: 0;
  align-self: center;
}

.btn-green {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: transparent;
  color: var(--white);
  padding: 13px 26px;
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  border: 2px solid rgba(255,255,255,0.55);
  cursor: pointer;
  box-shadow: none;
  transition: all 0.25s;
  white-space: nowrap;
}

.btn-green:hover {
  background: rgba(255,255,255,0.18);
  border-color: rgba(255,255,255,0.9);
  transform: translateY(-2px);
}

.btn-green .arr {
  transition: transform 0.25s;
}

.btn-green:hover .arr {
  transform: translateX(4px);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(210px, 1fr));
  border-top: 1px solid var(--grey-light);
}

.svc-tile {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 22px 22px 20px;
  border-right: 1px solid var(--grey-light);
  border-bottom: 1px solid var(--grey-light);
  text-decoration: none;
  color: var(--ink);
  background: var(--white);
  transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
  cursor: pointer;
}

.svc-tile:hover {
  background: var(--off-white);
  transform: translateY(-2px);
  box-shadow: 0 4px 18px rgba(26,46,90,0.07);
  z-index: 1;
  position: relative;
}

.svc-tile-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--green-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.svc-tile-icon svg {
  width: 18px;
  height: 18px;
  stroke: var(--green);
}

.svc-tile-name {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy-dark);
  line-height: 1.4;
  flex: 1;
}

.svc-tile-arrow {
  width: 22px;
  height: 22px;
  border-radius: 6px;
  background: var(--green-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transition: opacity 0.2s, transform 0.2s;
  align-self: flex-end;
}

.svc-tile-arrow svg {
  width: 11px;
  height: 11px;
  stroke: var(--green);
}

.svc-tile:hover .svc-tile-arrow {
  opacity: 1;
  transform: translate(2px, -2px);
}

.panel-footer {
  padding: 16px 28px;
  border-top: 1px solid var(--grey-light);
  background: var(--off-white);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.footer-count {
  font-size: 12.5px;
  color: var(--text-muted);
}

.footer-count strong {
  color: var(--navy);
  font-weight: 600;
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--green);
  padding: 9px 18px;
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  border: 2px solid var(--green);
  transition: all 0.25s;
  cursor: pointer;
}

.btn-ghost:hover {
  background: var(--green);
  color: var(--white);
  transform: translateY(-2px);
}

.cta-band {
  margin-top: 48px;
  background: var(--navy-dark);
  border-radius: 14px;
  padding: 44px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  flex-wrap: wrap;
  box-shadow: 0 10px 32px rgba(15,30,61,0.28);
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 15% 60%, rgba(26,46,90,0.4) 0%, transparent 55%), radial-gradient(ellipse at 85% 10%, rgba(46,139,71,0.10) 0%, transparent 50%);
  pointer-events: none;
}

.cta-band-text {
  position: relative;
  z-index: 1;
}

.cta-band-text h3 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}

.cta-band-text p {
  font-size: 14px;
  font-weight: 400;
  color: rgba(255,255,255,0.50);
}

.cta-band-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--navy);
  color: var(--white);
  padding: 14px 28px;
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  border: none;
  cursor: pointer;
  box-shadow: 0 4px 18px rgba(26,46,90,0.22);
  transition: all 0.25s;
  white-space: nowrap;
}

.btn-primary:hover {
  background: var(--green);
  transform: translateY(-2px);
  box-shadow: 0 8px 26px rgba(46,139,71,0.28);
}

@media (max-width: 680px) {
  .panel-banner {
    padding: 28px 24px;
  }
  .services-grid {
    grid-template-columns: 1fr 1fr;
  }
  .svc-tile {
    padding: 16px 16px;
  }
  .cta-band {
    padding: 32px 24px;
  }
  .panel-footer {
    padding: 14px 20px;
  }
}

@media (max-width: 380px) {
  .services-grid {
    grid-template-columns: 1fr;
  }
}

.page-header {
  background: var(--navy-dark);
  padding: 52px 6% 48px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 15% 60%, rgba(26,46,90,0.4) 0%, transparent 55%), radial-gradient(ellipse at 85% 10%, rgba(46,139,71,0.12) 0%, transparent 50%);
  pointer-events: none;
}

.eyebrow-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--green-light);
  margin-bottom: 18px;
  position: relative;
}

.eyebrow-line {
  width: 28px;
  height: 2px;
  background: var(--green-light);
  border-radius: 2px;
}

.page-header h1, .page-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.9rem, 3.5vw, 2.9rem);
  font-weight: 900;
  line-height: 1.13;
  color: var(--white);
  margin-bottom: 14px;
  position: relative;
}

.page-header h1 em, .page-header h2 em {
  font-style: italic;
  color: var(--green-light);
}

.page-header p {
  font-size: 15px;
  color: rgba(255,255,255,0.55);
  font-weight: 300;
  line-height: 1.75;
  max-width: 520px;
  margin: 0 auto;
  position: relative;
}

.calculators-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  max-width: 1180px;
  margin: 0 auto;
  padding: 48px 4% 72px;
}

@media (max-width: 860px) {
  .calculators-wrap {
    grid-template-columns: 1fr;
    padding: 32px 5% 60px;
  }
}

.calc-card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 14px;
  box-shadow: 0 4px 18px rgba(26,46,90,0.06);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  animation: fadeUp 0.6s ease forwards;
  opacity: 0;
}

.calc-card:nth-child(1) {
  animation-delay: 0.1s;
}

.calc-card:nth-child(2) {
  animation-delay: 0.25s;
}

.calc-card-header {
  background: var(--navy);
  padding: 22px 28px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
}

.calc-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(46,139,71,0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}

.calc-card-header-text {

}

.calc-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.2;
}

.calc-subtitle {
  font-size: 11.5px;
  color: rgba(255,255,255,0.45);
  margin-top: 3px;
}

.calc-body {
  padding: 28px 28px 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

@media (max-width: 480px) {
  .calc-body {
    padding: 20px 18px 18px;
  }
}

.field-group-label {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.field-group-label::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--grey-light);
}

.fields-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 18px;
  margin-bottom: 20px;
}

.field-full {
  grid-column: 1 / -1;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 6px;
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.input-affix {
  position: absolute;
  font-size: 13px;
  color: var(--grey-mid);
  font-weight: 500;
  pointer-events: none;
  z-index: 1;
  transition: color 0.2s;
}

.input-affix.left {
  left: 11px;
}

.input-affix.right {
  right: 11px;
}

input[type="number"] {
  width: 100%;
  padding: 10px 32px 10px 10px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 400;
  color: var(--ink);
  background: var(--off-white);
  border: 1px solid var(--grey-light);
  border-radius: 8px;
  outline: none;
  transition: all 0.25s;
  -moz-appearance: textfield;
}

input[type="number"]::-webkit-outer-spin-button, input[type="number"]::-webkit-inner-spin-button {
  -webkit-appearance: none;
}

.has-left input[type="number"] {
  padding-left: 26px;
}

.has-right input[type="number"] {
  padding-right: 36px;
}

input[type="number"]:focus {
  border-color: var(--navy);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(26,46,90,0.08);
}

input[type="number"]:focus ~ .input-affix, .input-wrap:focus-within .input-affix {
  color: var(--navy);
}

.field-hint {
  font-size: 11px;
  color: var(--text-muted);
  line-height: 1.4;
}

.slider-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 5px;
}

.slider-row input[type="range"] {
  flex: 1;
  -webkit-appearance: none;
  height: 3px;
  background: linear-gradient(90deg, var(--green) var(--pct,20%), var(--grey-light) var(--pct,20%));
  border-radius: 99px;
  outline: none;
  cursor: pointer;
  padding: 0;
}

.slider-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 15px;
  height: 15px;
  border-radius: 50%;
  background: var(--navy);
  border: 2px solid var(--white);
  box-shadow: 0 2px 6px rgba(26,46,90,0.25);
  cursor: pointer;
  transition: transform 0.15s;
}

.slider-row input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

.slider-val {
  font-size: 12px;
  font-weight: 600;
  color: var(--green);
  min-width: 36px;
  text-align: right;
}

hr.field-divider {
  border: none;
  border-top: 1px solid var(--grey-light);
  margin: 8px 0 20px;
}

.btn-calc {
  display: block;
  width: 100%;
  padding: 14px 28px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
  background: var(--navy);
  border: none;
  border-radius: 8px;
  cursor: pointer;
  box-shadow: 0 4px 18px rgba(26,46,90,0.22);
  transition: all 0.25s;
  margin-top: auto;
}

.btn-calc:hover {
  background: var(--green);
  transform: translateY(-2px);
  box-shadow: 0 8px 26px rgba(46,139,71,0.28);
}

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

.results-panel {
  display: none;
  border-top: 1px solid var(--grey-light);
  background: var(--off-white);
  padding: 24px 28px 28px;
  animation: fadeUp 0.45s cubic-bezier(0.22,1,0.36,1) forwards;
}

.result-headline {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.result-headline::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--grey-light);
}

.result-hero {
  background: var(--navy-dark);
  border-radius: 12px;
  padding: 20px 22px;
  margin-bottom: 14px;
  box-shadow: 0 10px 32px rgba(15,30,61,0.28);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.result-hero-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 6px;
}

.result-hero-amount {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.7rem, 3vw, 2.2rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.01em;
}

.result-hero-amount sup {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.45em;
  vertical-align: super;
  font-weight: 700;
  color: var(--green-light);
  margin-right: 2px;
}

.result-badge {
  background: rgba(46,139,71,0.18);
  border: 1px solid rgba(58,173,90,0.25);
  border-radius: 20px;
  padding: 6px 12px;
  font-size: 11px;
  font-weight: 500;
  color: var(--green-light);
  white-space: nowrap;
}

.result-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 14px;
}

.stat-box {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 10px;
  padding: 14px 16px;
  box-shadow: 0 2px 8px rgba(26,46,90,0.05);
}

.stat-box-label {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 6px;
}

.stat-box-value {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy-dark);
  line-height: 1;
  margin-bottom: 3px;
}

.stat-box-value.green {
  color: var(--green);
}

.stat-box-value.gold {
  color: var(--gold);
}

.stat-box-note {
  font-size: 10.5px;
  color: var(--text-muted);
  line-height: 1.4;
}

.breakdown-bar-wrap {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 10px;
  padding: 14px 16px;
  box-shadow: 0 2px 8px rgba(26,46,90,0.05);
}

.breakdown-bar-title {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 10px;
}

.bar-track {
  height: 8px;
  border-radius: 99px;
  background: var(--grey-light);
  overflow: hidden;
  display: flex;
  margin-bottom: 10px;
}

.bar-navy {
  background: linear-gradient(90deg, var(--navy), #2a4a8a);
  border-radius: 99px 0 0 99px;
  transition: width 0.7s cubic-bezier(0.22,1,0.36,1);
}

.bar-green {
  background: linear-gradient(90deg, var(--green), var(--green-light));
  border-radius: 0 99px 99px 0;
  transition: width 0.7s cubic-bezier(0.22,1,0.36,1);
}

.bar-legend {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.legend-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11.5px;
  color: var(--text-muted);
  font-weight: 500;
}

.legend-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}

.legend-dot.navy {
  background: var(--navy);
}

.legend-dot.green {
  background: var(--green);
}

.legend-pct {
  font-weight: 700;
  color: var(--ink);
}

.ins-breakdown {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px;
  margin-bottom: 14px;
}

.ins-bd-item {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 8px;
  padding: 9px 10px;
  box-shadow: 0 2px 8px rgba(26,46,90,0.04);
}

.ins-bd-label {
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 3px;
  line-height: 1.3;
}

.ins-bd-value {
  font-size: 12px;
  font-weight: 600;
  color: var(--navy-dark);
}

.ins-bd-value.deduction {
  color: var(--green);
}

.result-disclaimer {
  margin-top: 12px;
  font-size: 10.5px;
  color: var(--text-muted);
  line-height: 1.55;
  padding-top: 12px;
  border-top: 1px solid var(--grey-light);
}

.fully-covered {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--green-light);
  font-style: italic;
}

.comparison-section {
  padding: 96px 6%;
  background: var(--navy-dark);
  position: relative;
  overflow: hidden;
}

.comparison-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 10% 80%, rgba(46,139,71,0.08) 0%, transparent 50%), radial-gradient(ellipse at 90% 10%, rgba(26,46,90,0.5) 0%, transparent 55%);
  pointer-events: none;
}

.comparison-section::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--green), var(--green-light), transparent);
}

.section-inner {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--green-light);
  margin-bottom: 20px;
}

.eyebrow-line {
  width: 28px;
  height: 2px;
  background: var(--green-light);
  border-radius: 2px;
}

.section-headline {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 12px;
}

.section-sub {
  font-size: 16px;
  color: rgba(255,255,255,0.55);
  max-width: 520px;
  line-height: 1.65;
  margin-bottom: 56px;
  font-weight: 300;
}

.columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}

.col-card {
  border-radius: 18px;
  padding: 36px 36px 40px;
  opacity: 0;
}

.col-card.old-way {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  animation: fadeUp 0.65s ease forwards 0.2s;
}

.col-card.new-way {
  background: rgba(46,139,71,0.1);
  border: 1px solid rgba(58,173,90,0.25);
  position: relative;
  overflow: hidden;
  animation: fadeUp 0.65s ease forwards 0.45s;
}

.col-card.new-way::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 180px;
  height: 180px;
  background: radial-gradient(circle, rgba(46,139,71,0.18) 0%, transparent 70%);
  pointer-events: none;
}

.col-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 20px;
  margin-bottom: 20px;
}

.col-tag.problem {
  background: rgba(255,255,255,0.07);
  color: rgba(255,255,255,0.45);
  border: 1px solid rgba(255,255,255,0.1);
}

.col-tag.solution {
  background: rgba(46,139,71,0.2);
  color: var(--green-light);
  border: 1px solid rgba(58,173,90,0.3);
}

.col-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 28px;
}

.old-way .col-title {
  color: rgba(255,255,255,0.45);
}

.new-way .col-title {
  color: var(--white);
}

.item-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  opacity: 0;
}

.old-way .item:nth-child(1) {
  animation: floatIn 0.55s ease forwards 0.55s;
}

.old-way .item:nth-child(2) {
  animation: floatIn 0.55s ease forwards 0.7s;
}

.old-way .item:nth-child(3) {
  animation: floatIn 0.55s ease forwards 0.85s;
}

.old-way .item:nth-child(4) {
  animation: floatIn 0.55s ease forwards 1.0s;
}

.old-way .item:nth-child(5) {
  animation: floatIn 0.55s ease forwards 1.15s;
}

.new-way .item:nth-child(1) {
  animation: floatIn 0.55s ease forwards 0.8s;
}

.new-way .item:nth-child(2) {
  animation: floatIn 0.55s ease forwards 0.95s;
}

.new-way .item:nth-child(3) {
  animation: floatIn 0.55s ease forwards 1.1s;
}

.new-way .item:nth-child(4) {
  animation: floatIn 0.55s ease forwards 1.25s;
}

.new-way .item:nth-child(5) {
  animation: floatIn 0.55s ease forwards 1.4s;
}

.item-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.item-icon.x-icon {
  background: rgba(200, 50, 50, 0.18);
  border: 1px solid rgba(200, 50, 50, 0.3);
}

.item-icon.x-icon svg {
  stroke: #e05050;
}

.item-icon.check-icon {
  background: rgba(46,139,71,0.2);
  border: 1px solid rgba(58,173,90,0.35);
}

.item-icon.check-icon svg {
  stroke: var(--green-light);
}

.item-text {
  font-size: 15px;
  line-height: 1.55;
  font-weight: 400;
}

.old-way .item-text {
  color: rgba(255,255,255,0.45);
}

.new-way .item-text {
  color: rgba(255,255,255,0.88);
}

.col-divider {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 16px;
  position: relative;
}

.cta-bar {
  margin-top: 52px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 0.6s ease forwards 1.6s;
}

.cta-copy {
  font-size: 15px;
  color: rgba(255,255,255,0.5);
  font-weight: 300;
}

.cta-copy strong {
  color: var(--white);
  font-weight: 600;
}

.btn-green {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--green);
  color: var(--white);
  padding: 14px 28px;
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: none;
  box-shadow: 0 4px 16px rgba(46,139,71,0.35);
  transition: all 0.25s;
}

.btn-green:hover {
  background: var(--green-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 26px rgba(46,139,71,0.4);
}

.btn-green svg {
  transition: transform 0.2s;
}

.btn-green:hover svg {
  transform: translateX(4px);
}

@media (max-width: 700px) {
  .columns {
    grid-template-columns: 1fr;
  }
  .comparison-section {
    padding: 64px 5%;
  }
  .col-card {
    padding: 28px 24px 32px;
  }
  .cta-bar {
    flex-direction: column;
    align-items: flex-start;
  }
}

@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.94); }
  to   { opacity: 1; transform: scale(1); }
}

@keyframes shimmer {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}

.reviews-section {
  padding: 96px 5% 100px;
  background: var(--white);
  position: relative;
  overflow: hidden;
}

.reviews-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 15% 60%, rgba(26,46,90,0.04) 0%, transparent 55%), radial-gradient(ellipse at 85% 10%, rgba(46,139,71,0.05) 0%, transparent 50%);
  pointer-events: none;
}

.reviews-section::after {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 320px;
  height: 320px;
  background: radial-gradient(ellipse at top right, rgba(46,139,71,0.06) 0%, transparent 65%);
  pointer-events: none;
}

.reviews-inner {
  max-width: 1140px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.reviews-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 56px;
  gap: 24px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards 0.1s;
}

.reviews-header-left {
  flex: 1;
  min-width: 260px;
}

.eyebrow-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 16px;
}

.eyebrow-line {
  width: 22px;
  height: 2px;
  background: var(--green);
  border-radius: 2px;
}

.reviews-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  color: var(--navy-dark);
  line-height: 1.12;
  letter-spacing: -0.01em;
}

.reviews-title em {
  font-style: italic;
  color: var(--green);
}

.reviews-subtitle {
  margin-top: 14px;
  font-size: 16px;
  font-weight: 400;
  color: var(--text-muted);
  line-height: 1.65;
  max-width: 440px;
}

.reviews-meta {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
}

.rating-big {
  background: var(--navy-dark);
  color: var(--white);
  border-radius: 16px;
  padding: 20px 28px;
  text-align: center;
  box-shadow: 0 10px 32px rgba(15,30,61,0.28);
  min-width: 160px;
}

.rating-big-num {
  font-family: 'Playfair Display', serif;
  font-size: 3.2rem;
  font-weight: 900;
  line-height: 1;
  letter-spacing: -0.02em;
  background: linear-gradient(135deg, #fff 0%, rgba(58,173,90,0.9) 100%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.rating-big-stars {
  font-size: 18px;
  letter-spacing: 3px;
  color: var(--gold);
  margin: 6px 0 4px;
}

.rating-big-label {
  font-size: 11px;
  font-weight: 500;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.trust-pills {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: flex-end;
}

.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--white);
  border: 1px solid var(--grey-light);
  padding: 6px 12px 6px 8px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 500;
  color: var(--navy);
  box-shadow: 0 2px 8px rgba(26,46,90,0.05);
}

.trust-pill .dot {
  width: 7px;
  height: 7px;
  background: var(--green);
  border-radius: 50%;
  flex-shrink: 0;
}

.featured-quote {
  background: var(--navy-dark);
  border-radius: 16px;
  padding: 36px 44px;
  margin-bottom: 40px;
  display: flex;
  align-items: center;
  gap: 40px;
  box-shadow: 0 10px 32px rgba(15,30,61,0.28);
  position: relative;
  overflow: hidden;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards 0.3s;
}

.featured-quote::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--green) 0%, var(--green-light) 60%, transparent 100%);
}

.featured-quote-mark {
  font-family: 'Playfair Display', serif;
  font-size: 8rem;
  line-height: 0.6;
  color: rgba(255,255,255,0.07);
  flex-shrink: 0;
  user-select: none;
  margin-top: 16px;
}

.featured-quote-body {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.featured-quote-text {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.05rem, 1.8vw, 1.3rem);
  font-style: italic;
  font-weight: 400;
  color: rgba(255,255,255,0.92);
  line-height: 1.6;
  margin-bottom: 20px;
}

.featured-quote-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--green) 0%, var(--green-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 17px;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
  border: 2px solid rgba(255,255,255,0.15);
}

.author-name {
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
}

.author-role {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  margin-top: 1px;
}

.featured-stars {
  font-size: 14px;
  letter-spacing: 2px;
  color: var(--gold);
  flex-shrink: 0;
  writing-mode: vertical-rl;
  text-orientation: mixed;
  opacity: 0.8;
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 40px;
}

@media (max-width: 860px) {
  .reviews-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 560px) {
  .reviews-grid {
    grid-template-columns: 1fr;
  }
  .featured-quote {
    flex-direction: column;
    gap: 16px;
    padding: 28px 24px;
  }
  .featured-quote-mark {
    font-size: 5rem;
  }
  .featured-stars {
    writing-mode: initial;
  }
  .reviews-header {
    flex-direction: column;
    align-items: flex-start;
  }
  .reviews-meta {
    align-items: flex-start;
  }
  .trust-pills {
    justify-content: flex-start;
  }
}

.review-card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 14px;
  padding: 26px 24px 28px;
  box-shadow: 0 4px 18px rgba(26,46,90,0.06);
  transition: all 0.25s;
  opacity: 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.review-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(26,46,90,0.14);
  border-color: rgba(46,139,71,0.2);
}

.review-card:nth-child(1) {
  animation: fadeUp 0.6s ease forwards 0.5s;
}

.review-card:nth-child(2) {
  animation: fadeUp 0.6s ease forwards 0.65s;
}

.review-card:nth-child(3) {
  animation: fadeUp 0.6s ease forwards 0.8s;
}

.review-card:nth-child(4) {
  animation: fadeUp 0.6s ease forwards 0.95s;
}

.review-card:nth-child(5) {
  animation: fadeUp 0.6s ease forwards 1.1s;
}

.review-card:nth-child(6) {
  animation: fadeUp 0.6s ease forwards 1.25s;
}

.review-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}

.review-stars {
  font-size: 14px;
  letter-spacing: 2px;
  color: var(--gold);
  line-height: 1;
}

.review-tag {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--green);
  background: var(--green-pale);
  padding: 3px 9px;
  border-radius: 20px;
}

.review-text {
  font-size: 14.5px;
  line-height: 1.68;
  color: var(--ink);
  flex: 1;
}

.review-text::before {
  content: '"';
  font-family: 'Playfair Display', serif;
  font-size: 28px;
  color: var(--green);
  line-height: 0;
  vertical-align: -10px;
  margin-right: 3px;
}

.review-divider {
  height: 1px;
  background: var(--grey-light);
}

.review-author {
  display: flex;
  align-items: center;
  gap: 11px;
}

.review-avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 14px;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}

.review-avatar.green {
  background: linear-gradient(135deg, var(--green) 0%, var(--green-light) 100%);
}

.review-name {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy);
}

.review-detail {
  font-size: 11.5px;
  color: var(--text-muted);
  margin-top: 1px;
}

.review-verified {
  margin-left: auto;
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 10.5px;
  color: var(--green);
  font-weight: 500;
}

.review-verified svg {
  width: 13px;
  height: 13px;
}

.reviews-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: var(--off-white);
  border: 1px solid var(--grey-light);
  border-radius: 14px;
  padding: 24px 32px;
  gap: 20px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 0.6s ease forwards 1.4s;
}

.reviews-cta-text {
  font-size: 15px;
  color: var(--text-muted);
}

.reviews-cta-text strong {
  color: var(--ink);
  font-weight: 600;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--navy);
  color: var(--white);
  padding: 14px 28px;
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: none;
  box-shadow: 0 4px 18px rgba(26,46,90,0.22);
  transition: all 0.25s;
  white-space: nowrap;
}

.btn-primary:hover {
  background: var(--green);
  transform: translateY(-2px);
  box-shadow: 0 8px 26px rgba(46,139,71,0.28);
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: transparent;
  color: var(--green);
  padding: 13px 22px;
  border-radius: 8px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: 2px solid var(--green);
  transition: all 0.25s;
  white-space: nowrap;
}

.btn-ghost:hover {
  background: var(--green);
  color: var(--white);
}

.cta-buttons {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

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

.form-wrapper {
  width: 100%;
  max-width: 600px;
  animation: fadeUp 0.7s ease forwards;
}

.form-header {
  margin-bottom: 32px;
  animation: fadeUp 0.6s ease forwards 0.1s;
  opacity: 0;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 12px;
}

.eyebrow-line {
  width: 28px;
  height: 2px;
  background: var(--green);
  border-radius: 2px;
}

.form-title {
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem;
  font-weight: 900;
  color: var(--navy-dark);
  line-height: 1.15;
  margin-bottom: 10px;
}

.form-subtitle {
  font-size: 14.5px;
  color: var(--text-muted);
  line-height: 1.6;
}

.form-card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 18px;
  padding: 36px 36px 40px;
  box-shadow: 0 12px 40px rgba(26,46,90,0.09);
  animation: fadeUp 0.6s ease forwards 0.2s;
  opacity: 0;
}

.contact-layout .form-card {
  border: none;
  border-radius: 0;
  padding: 0;
  box-shadow: none;
  animation: none;
  opacity: 1;
}

.contact-layout .form-header {
  animation: none;
  opacity: 1;
}

.contact-layout .form-wrapper {
  animation: none;
}

.field-group {
  margin-bottom: 22px;
}

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

.calc-label-color {
  color: var(--navy);
}

label span.required {
  color: var(--green);
  margin-left: 3px;
}

input[type="text"], input[type="email"], input[type="tel"], select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--grey-mid);
  border-radius: 9px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14.5px;
  color: var(--ink);
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}

input[type="text"]::placeholder, input[type="email"]::placeholder, input[type="tel"]::placeholder {
  color: var(--grey-mid);
}

input[type="text"]:focus, input[type="email"]:focus, input[type="tel"]:focus, select:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(46,139,71,0.10);
}

.select-wrap {
  position: relative;
}

.select-wrap::after {
  content: '';
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  width: 0;
  height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 6px solid var(--navy);
  pointer-events: none;
}

select {
  cursor: pointer;
  padding-right: 40px;
  color: var(--ink);
}

select option[value=""] {
  color: var(--grey-mid);
}

textarea:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(46,139,71,0.10);
}

textarea::placeholder {
  color: var(--grey-mid);
}

.form-divider {
  height: 1px;
  background: var(--grey-light);
  margin: 28px 0;
}

.btn-submit {
  width: 100%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: var(--navy);
  color: var(--white);
  padding: 16px 28px;
  border-radius: 9px;
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  border: none;
  box-shadow: 0 4px 18px rgba(26,46,90,0.22);
  transition: all 0.25s;
  letter-spacing: 0.01em;
}

.btn-submit:hover {
  background: var(--green);
  transform: translateY(-2px);
  box-shadow: 0 8px 26px rgba(46,139,71,0.28);
}

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

.btn-submit .arrow {
  transition: transform 0.2s;
}

.btn-submit:hover .arrow {
  transform: translateX(4px);
}

.trust-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 20px;
  justify-content: center;
}

.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-radius: 20px;
  padding: 5px 12px;
  font-size: 11.5px;
  color: var(--text-muted);
  font-weight: 500;
}

.trust-pill .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--green);
  flex-shrink: 0;
}

.success-message {
  display: none;
  text-align: center;
  padding: 48px 32px;
  animation: fadeIn 0.5s ease forwards;
}

.success-icon {
  width: 64px;
  height: 64px;
  background: var(--green-pale);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 28px;
}

.success-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 10px;
}

.success-text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

@media (max-width: 520px) {
  .form-card {
    padding: 24px 20px 28px;
  }
  .field-row {
    grid-template-columns: 1fr;
  }
  .form-title {
    font-size: 1.7rem;
  }
}