:root {
  --primary: #0A2540;
  --primary-light: #1a3a5c;
  --primary-dark: #061525;
  --secondary: #00A86B;
  --secondary-light: #00c97d;
  --secondary-dark: #008f5a;
  --accent: #F4B400;
  --accent-light: #ffc629;
  --accent-dark: #d4a000;
  --bg: #F8FAFC;
  --bg-alt: #ffffff;
  --text: #1E293B;
  --text-light: #64748b;
  --text-lighter: #94a3b8;
  --border: #e2e8f0;
  --shadow: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 14px rgba(0,0,0,0.08);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.1);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.12);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-xs: 6px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --gradient-primary: linear-gradient(135deg, var(--primary), var(--primary-light));
  --gradient-green: linear-gradient(135deg, var(--secondary), var(--secondary-light));
  --gradient-gold: linear-gradient(135deg, var(--accent), var(--accent-light));
  --gradient-hero: linear-gradient(135deg, #0A2540 0%, #1a3a5c 50%, #0d2f52 100%);
}

[data-theme="dark"] {
  --bg: #0f172a;
  --bg-alt: #1e293b;
  --text: #f1f5f9;
  --text-light: #94a3b8;
  --text-lighter: #64748b;
  --border: #334155;
  --shadow: 0 1px 3px rgba(0,0,0,0.3);
  --shadow-md: 0 4px 14px rgba(0,0,0,0.4);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.5);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.6);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  overflow-x: hidden;
  transition: background var(--transition), color var(--transition);
}

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition);
}

ul { list-style: none; }

img { max-width: 100%; display: block; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 100px 0;
  position: relative;
}

.section-header {
  text-align: center;
  margin-bottom: 60px;
}

.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(0,168,107,0.08);
  color: var(--secondary);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 50px;
  margin-bottom: 16px;
  border: 1px solid rgba(0,168,107,0.15);
}

.section-header h2 {
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 800;
  color: var(--text);
  line-height: 1.2;
  margin-bottom: 12px;
}

.section-header p {
  font-size: 1.1rem;
  color: var(--text-light);
  max-width: 600px;
  margin: 0 auto;
}

.text-gradient {
  background: var(--gradient-green);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 32px;
  border: none;
  border-radius: 50px;
  font-family: var(--font);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0.1);
  opacity: 0;
  transition: opacity var(--transition);
}

.btn:hover::after { opacity: 1; }

.btn-primary {
  background: var(--gradient-green);
  color: #fff;
  box-shadow: 0 4px 20px rgba(0,168,107,0.35);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(0,168,107,0.45);
}

.btn-secondary {
  background: rgba(255,255,255,0.1);
  color: #fff;
  border: 2px solid rgba(255,255,255,0.25);
  backdrop-filter: blur(10px);
}

.btn-secondary:hover {
  background: rgba(255,255,255,0.2);
  border-color: rgba(255,255,255,0.4);
  transform: translateY(-2px);
}

.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-block { width: 100%; justify-content: center; }

#loader {
  position: fixed;
  inset: 0;
  background: var(--bg);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 99999;
  transition: opacity 0.5s, visibility 0.5s;
}

#loader.hidden { opacity: 0; visibility: hidden; }

.loader-spinner {
  width: 48px;
  height: 48px;
  border: 4px solid var(--border);
  border-top-color: var(--secondary);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 16px 0;
  transition: all var(--transition);
}

.navbar.scrolled {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: var(--shadow);
  padding: 10px 0;
}

[data-theme="dark"] .navbar.scrolled {
  background: rgba(15,23,42,0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-icon {
  width: 42px;
  height: 42px;
  background: var(--gradient-green);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-title {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--text);
  line-height: 1.1;
}

.logo-subtitle {
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--secondary);
  letter-spacing: 2px;
  text-transform: uppercase;
}

[data-theme="dark"] .logo-title { color: #f1f5f9; }

.nav-menu {
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav-link {
  padding: 8px 16px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-light);
  border-radius: 8px;
  transition: all var(--transition);
  position: relative;
}

.nav-link:hover, .nav-link.active { color: var(--secondary); background: rgba(0,168,107,0.06); }

.nav-cta {
  padding: 10px 24px;
  background: var(--gradient-green);
  color: #fff;
  border-radius: 50px;
  font-size: 0.9rem;
  font-weight: 600;
  transition: all var(--transition);
  box-shadow: 0 4px 15px rgba(0,168,107,0.3);
}

.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 25px rgba(0,168,107,0.4);
  color: #fff;
}

.theme-toggle {
  width: 40px;
  height: 40px;
  border: none;
  background: transparent;
  color: var(--text-light);
  font-size: 1.1rem;
  border-radius: 10px;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
}

.theme-toggle:hover { background: rgba(0,168,107,0.08); color: var(--secondary); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}

.nav-toggle span {
  width: 26px;
  height: 2.5px;
  background: var(--text);
  border-radius: 4px;
  transition: all var(--transition);
}

.nav-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav-toggle.active span:nth-child(2) { opacity: 0; transform: translateX(-10px); }
.nav-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.hero {
  min-height: 100vh;
  background: var(--gradient-hero);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 120px 0 80px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}

.gradient-sphere {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.15;
}

.gs-1 {
  width: 600px;
  height: 600px;
  background: var(--secondary);
  top: -200px;
  right: -100px;
  animation: float 8s ease-in-out infinite;
}

.gs-2 {
  width: 400px;
  height: 400px;
  background: var(--accent);
  bottom: -100px;
  left: -100px;
  animation: float 10s ease-in-out infinite reverse;
}

@keyframes float {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(30px, -30px) scale(1.05); }
}

.hero-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-content { max-width: 580px; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.08);
  color: var(--accent);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 8px 20px;
  border-radius: 50px;
  margin-bottom: 24px;
  border: 1px solid rgba(244,180,0,0.2);
}

.hero-title {
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.1;
  margin-bottom: 20px;
}

.hero-subtitle {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
}

.trust-item i { color: var(--secondary); font-size: 0.9rem; }

.hero-visual {
  position: relative;
  height: 480px;
}

.hero-card-main {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 320px;
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 24px;
  color: #fff;
}

.hc-header {
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.8);
}

.hc-chart {
  display: flex;
  align-items: flex-end;
  gap: 16px;
  height: 140px;
  margin-bottom: 16px;
}

.chart-bar {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}

.chart-bar span {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.5);
  order: 1;
}

.bar-fill {
  width: 100%;
  border-radius: 4px 4px 0 0;
  transition: height 1s ease;
  min-height: 4px;
}

.hc-footer {
  text-align: right;
}

.hc-growth {
  font-size: 0.85rem;
  color: var(--secondary);
  font-weight: 600;
}

.hero-card-sm {
  position: absolute;
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  animation: float 6s ease-in-out infinite;
}

.hero-card-sm i {
  font-size: 1.5rem;
  opacity: 0.8;
}

.hero-card-sm strong {
  display: block;
  font-size: 1.1rem;
}

.hero-card-sm span {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
}

.card-sm-1 { top: 10%; right: 5%; animation-delay: 0s; }
.card-sm-2 { bottom: 15%; left: 0; animation-delay: 0.5s; }
.card-sm-3 { bottom: 30%; right: 10%; animation-delay: 1s; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}

.service-card {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: all var(--transition);
  position: relative;
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.sc-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 20px;
  transition: transform var(--transition);
}

.service-card:hover .sc-icon { transform: scale(1.1) rotate(-5deg); }

.service-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--text);
}

.service-card p {
  font-size: 0.9rem;
  color: var(--text-light);
  line-height: 1.6;
  margin-bottom: 16px;
}

.sc-link {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--secondary);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition);
}

.sc-link:hover { gap: 10px; }

.why-section { background: var(--bg-alt); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 24px;
}

.why-card {
  text-align: center;
  padding: 32px 24px;
  border-radius: var(--radius);
  transition: all var(--transition);
  border: 1px solid transparent;
}

.why-card:hover {
  background: var(--bg);
  border-color: var(--border);
  transform: translateY(-4px);
}

.wc-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 16px;
  background: var(--gradient-green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: #fff;
}

.why-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text);
}

.why-card p {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.6;
}

.calculators-section { background: var(--bg); }

.calc-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 40px;
}

.calc-tab {
  padding: 10px 22px;
  border: 1px solid var(--border);
  background: var(--bg-alt);
  color: var(--text-light);
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  transition: all var(--transition);
  font-family: var(--font);
}

.calc-tab:hover {
  border-color: var(--secondary);
  color: var(--secondary);
}

.calc-tab.active {
  background: var(--gradient-green);
  color: #fff;
  border-color: transparent;
  box-shadow: 0 4px 15px rgba(0,168,107,0.3);
}

.calc-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
  max-width: 960px;
  margin: 0 auto;
}

.calc-input-group {
  margin-bottom: 28px;
}

.calc-input-group label {
  display: block;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 10px;
}

.calc-input-group input[type="range"] {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--border);
  border-radius: 4px;
  outline: none;
}

.calc-input-group input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  background: var(--secondary);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0,168,107,0.3);
}

.calc-input-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-lighter);
  margin-top: 6px;
}

.calc-input-row span:nth-child(2) {
  color: var(--secondary);
  font-weight: 700;
  font-size: 0.9rem;
}

.calc-result {
  background: var(--bg);
  border-radius: var(--radius-sm);
  padding: 28px;
}

.calc-result-header h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 20px;
}

.calc-result-grid {
  display: grid;
  gap: 12px;
  margin-bottom: 24px;
}

.calc-result-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 16px;
  background: var(--bg-alt);
  border-radius: var(--radius-xs);
  border: 1px solid var(--border);
}

.calc-result-item.accent {
  background: rgba(0,168,107,0.06);
  border-color: rgba(0,168,107,0.2);
}

.cri-label {
  font-size: 0.85rem;
  color: var(--text-light);
}

.cri-value {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
}

.calc-result-item.accent .cri-value {
  color: var(--secondary);
  font-size: 1.2rem;
}

.calc-chart-container {
  height: 200px;
  margin-bottom: 16px;
}

.calc-disclaimer {
  font-size: 0.75rem;
  color: var(--text-lighter);
  text-align: center;
}

.funds-section { background: var(--bg-alt); }

.funds-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 20px;
}

.fund-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: all var(--transition);
  position: relative;
}

.fund-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.fc-badge {
  display: inline-block;
  padding: 4px 14px;
  border-radius: 50px;
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.fc-badge.low { background: rgba(0,168,107,0.1); color: var(--secondary); }
.fc-badge.moderate { background: rgba(244,180,0,0.1); color: var(--accent); }
.fc-badge.high { background: rgba(239,68,68,0.1); color: #ef4444; }

.fund-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text);
}

.fund-card p {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.6;
  margin-bottom: 16px;
}

.fc-meta {
  display: flex;
  flex-direction: column;
  gap: 4px;
  font-size: 0.8rem;
  color: var(--text-light);
}

.fc-risk span { font-weight: 600; }
.fc-risk .high { color: #ef4444; }
.fc-risk .moderate { color: var(--accent); }
.fc-risk .low { color: var(--secondary); }

.journey-section {
  background: var(--gradient-hero);
  color: #fff;
}

.journey-section .section-badge { border-color: rgba(255,255,255,0.15); }
.journey-section .section-header h2 { color: #fff; }
.journey-section .section-header p { color: rgba(255,255,255,0.6); }

.journey-timeline {
  position: relative;
  max-width: 720px;
  margin: 0 auto;
  padding-left: 50px;
}

.journey-line {
  position: absolute;
  left: 23px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: rgba(255,255,255,0.15);
}

.journey-step {
  position: relative;
  padding-bottom: 40px;
}

.journey-step:last-child { padding-bottom: 0; }

.js-num {
  position: absolute;
  left: -50px;
  top: 0;
  width: 48px;
  height: 48px;
  background: var(--gradient-green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 800;
  color: #fff;
  z-index: 1;
  box-shadow: 0 0 0 4px rgba(0,168,107,0.3);
}

.js-content h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 4px;
}

.js-content p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.6;
}

.tools-section { background: var(--bg); }

.tools-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 20px;
}

.tool-card {
  text-align: center;
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  transition: all var(--transition);
}

.tool-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.tc-icon {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin: 0 auto 16px;
  transition: transform var(--transition);
}

.tool-card:hover .tc-icon { transform: scale(1.1) rotate(-8deg); }

.tool-card h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text);
}

.tool-card p {
  font-size: 0.85rem;
  color: var(--text-light);
  line-height: 1.6;
}

.insights-section { background: var(--bg-alt); }

.insights-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 24px;
}

.insight-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all var(--transition);
}

.insight-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.ic-img {
  height: 160px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  color: rgba(255,255,255,0.3);
}

.ic-body {
  padding: 24px;
}

.ic-category {
  display: inline-block;
  padding: 4px 12px;
  background: rgba(0,168,107,0.08);
  color: var(--secondary);
  font-size: 0.75rem;
  font-weight: 600;
  border-radius: 50px;
  margin-bottom: 12px;
}

.ic-body h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text);
  line-height: 1.4;
}

.ic-body p {
  font-size: 0.85rem;
  color: var(--text-light);
  line-height: 1.6;
  margin-bottom: 16px;
}

.ic-link {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--secondary);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition);
}

.ic-link:hover { gap: 10px; }

.testimonials-section { background: var(--bg); }

.testimonial-slider {
  max-width: 700px;
  margin: 0 auto;
  overflow: hidden;
  position: relative;
}

.testimonial-track {
  display: flex;
  transition: transform 0.5s ease;
}

.testimonial-card {
  min-width: 100%;
  padding: 40px;
  text-align: center;
}

.tc-stars {
  color: var(--accent);
  margin-bottom: 20px;
  font-size: 1.2rem;
  letter-spacing: 4px;
}

.testimonial-card p {
  font-size: 1.1rem;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.tc-author {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-bottom: 16px;
}

.tca-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  color: #fff;
  flex-shrink: 0;
}

.tc-author div strong {
  display: block;
  font-size: 0.95rem;
  color: var(--text);
}

.tc-author div span {
  font-size: 0.8rem;
  color: var(--text-light);
}

.tc-result {
  display: inline-block;
  padding: 8px 20px;
  background: rgba(0,168,107,0.08);
  color: var(--secondary);
  font-size: 0.85rem;
  font-weight: 700;
  border-radius: 50px;
}

.testimonial-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 20px;
}

.tc-prev, .tc-next {
  width: 44px;
  height: 44px;
  border: 1px solid var(--border);
  background: var(--bg-alt);
  color: var(--text);
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
  font-size: 0.9rem;
}

.tc-prev:hover, .tc-next:hover {
  background: var(--secondary);
  color: #fff;
  border-color: var(--secondary);
}

.tc-dots {
  display: flex;
  gap: 8px;
}

.tc-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--border);
  cursor: pointer;
  transition: all var(--transition);
}

.tc-dot.active { background: var(--secondary); width: 28px; border-radius: 5px; }

.faq-section { background: var(--bg-alt); }

.faq-list {
  max-width: 720px;
  margin: 0 auto;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
  transition: box-shadow var(--transition);
}

.faq-item:hover { box-shadow: var(--shadow); }

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background: var(--bg);
  border: none;
  font-family: var(--font);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  text-align: left;
  transition: all var(--transition);
}

.faq-question i {
  font-size: 0.8rem;
  transition: transform var(--transition);
  color: var(--text-light);
}

.faq-item.active .faq-question i { transform: rotate(180deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-answer p {
  padding: 0 24px 20px;
  font-size: 0.9rem;
  color: var(--text-light);
  line-height: 1.7;
}

.lead-section {
  background: var(--gradient-hero);
  color: #fff;
}

.lead-section .section-badge { border-color: rgba(255,255,255,0.15); }

.lead-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.lead-content h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 16px;
  line-height: 1.2;
}

.lead-content p {
  font-size: 1rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 24px;
  line-height: 1.7;
}

.lead-benefits {
  display: grid;
  gap: 12px;
}

.lead-benefits li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.95rem;
  color: rgba(255,255,255,0.8);
}

.lead-benefits li i { color: var(--secondary); }

.lead-form {
  background: var(--bg-alt);
  border-radius: var(--radius);
  padding: 36px;
  color: var(--text);
}

.lead-form h3 {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 24px;
}

.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 6px;
}

.form-group label i { color: var(--secondary); font-size: 0.8rem; }

.form-group input,
.form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius-xs);
  font-family: var(--font);
  font-size: 0.9rem;
  color: var(--text);
  background: var(--bg);
  transition: border-color var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--secondary);
  box-shadow: 0 0 0 3px rgba(0,168,107,0.1);
}

.form-disclaimer {
  margin-top: 16px;
  font-size: 0.8rem;
  color: var(--text-light);
  text-align: center;
}

.form-disclaimer a { color: var(--secondary); text-decoration: underline; }

.about-section { background: var(--bg-alt); }

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

.about-story h3 {
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 16px;
  color: var(--text);
}

.about-story p {
  font-size: 0.95rem;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 12px;
}

.about-values {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.about-stat {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
}

.as-number {
  font-size: 2rem;
  font-weight: 800;
  color: var(--secondary);
}

.as-plus {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--secondary);
}

.as-label {
  display: block;
  font-size: 0.85rem;
  color: var(--text-light);
  margin-top: 4px;
}

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

.am-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  transition: all var(--transition);
}

.am-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.am-card i {
  font-size: 2rem;
  color: var(--secondary);
  margin-bottom: 12px;
}

.am-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text);
}

.am-card p {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.6;
}

.contact-section { background: var(--bg); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}

.contact-info {
  display: grid;
  gap: 24px;
}

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

.ci-icon {
  width: 48px;
  height: 48px;
  background: rgba(0,168,107,0.08);
  color: var(--secondary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.ci-item h4 {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 2px;
}

.ci-item p, .ci-item a {
  font-size: 0.9rem;
  color: var(--text-light);
  line-height: 1.5;
}

.ci-item a:hover { color: var(--secondary); }

.contact-social {
  display: flex;
  gap: 10px;
  padding-top: 8px;
}

.contact-social a {
  width: 42px;
  height: 42px;
  border: 1px solid var(--border);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-light);
  transition: all var(--transition);
}

.contact-social a:hover {
  background: var(--secondary);
  color: #fff;
  border-color: var(--secondary);
  transform: translateY(-3px);
}

.contact-map iframe {
  width: 100%;
  height: 100%;
  min-height: 360px;
  border-radius: var(--radius);
  border: 0;
}

.footer {
  background: var(--primary);
  color: rgba(255,255,255,0.8);
  padding: 60px 0 30px;
}

.footer .nav-logo .logo-title { color: #fff; }
.footer .nav-logo .logo-subtitle { color: var(--secondary); }

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  margin-top: 16px;
  line-height: 1.7;
  max-width: 320px;
}

.footer-social {
  display: flex;
  gap: 10px;
  margin-top: 20px;
}

.footer-social a {
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: all var(--transition);
  font-size: 0.85rem;
}

.footer-social a:hover {
  background: var(--secondary);
  border-color: var(--secondary);
  color: #fff;
  transform: translateY(-2px);
}

.footer-links h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 16px;
}

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

.footer-links ul li a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
}

.footer-links ul li a:hover { color: var(--secondary); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  text-align: center;
}

.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 8px;
}

.footer-disclaimer {
  font-size: 0.72rem !important;
  color: rgba(255,255,255,0.35) !important;
  max-width: 600px;
  margin: 0 auto;
}

.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 56px;
  height: 56px;
  background: #25D366;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  z-index: 999;
  transition: all var(--transition);
  animation: whatsappPulse 2s ease-in-out infinite;
}

.whatsapp-float:hover {
  transform: scale(1.1);
  box-shadow: 0 6px 30px rgba(37,211,102,0.5);
  color: #fff;
}

@keyframes whatsappPulse {
  0%, 100% { box-shadow: 0 4px 20px rgba(37,211,102,0.4); }
  50% { box-shadow: 0 4px 30px rgba(37,211,102,0.6); }
}

.back-to-top {
  position: fixed;
  bottom: 90px;
  right: 24px;
  width: 44px;
  height: 44px;
  background: var(--primary);
  color: #fff;
  border: none;
  border-radius: 12px;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  box-shadow: var(--shadow-lg);
  z-index: 999;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: all var(--transition);
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover { background: var(--secondary); transform: translateY(-4px); }

.animate-fade-up {
  opacity: 0;
  transform: translateY(30px);
  animation: fadeUp 0.6s ease forwards;
}

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

.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

.modal {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.6);
  backdrop-filter: blur(4px);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition);
}

.modal.open {
  opacity: 1;
  visibility: visible;
}

.modal-content {
  background: var(--bg-alt);
  border-radius: var(--radius);
  padding: 40px;
  max-width: 500px;
  width: 90%;
  position: relative;
  transform: scale(0.9);
  transition: transform var(--transition);
}

.modal.open .modal-content {
  transform: scale(1);
}

.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 36px;
  height: 36px;
  border: none;
  background: var(--bg);
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-light);
  transition: all var(--transition);
}

.modal-close:hover { background: var(--border); color: var(--text); }

@media (max-width: 1024px) {
  .hero-container { grid-template-columns: 1fr; gap: 40px; text-align: center; }
  .hero-content { max-width: 100%; }
  .hero-subtitle { margin: 0 auto 32px; }
  .hero-buttons { justify-content: center; }
  .trust-strip { justify-content: center; }
  .hero-visual { height: 400px; }
  .hero-card-main { position: relative; top: auto; left: auto; transform: none; margin: 0 auto; }
  .hero-card-sm { display: none; }
  .calc-container { grid-template-columns: 1fr; }
  .lead-wrapper { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .about-mission { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-menu {
    position: fixed;
    top: 0;
    right: -100%;
    width: 300px;
    height: 100vh;
    background: var(--bg-alt);
    flex-direction: column;
    padding: 80px 30px 30px;
    gap: 4px;
    box-shadow: -10px 0 40px rgba(0,0,0,0.1);
    transition: right 0.3s ease;
    overflow-y: auto;
  }
  .nav-menu.open { right: 0; }
  .nav-link { width: 100%; padding: 12px 16px; font-size: 1rem; }
  .nav-cta { width: 100%; text-align: center; justify-content: center; }
  .hero { padding: 100px 0 60px; min-height: auto; }
  .hero-title { font-size: clamp(1.8rem, 7vw, 2.8rem); }
  .hero-subtitle { font-size: 1rem; }
  .hero-buttons { flex-direction: column; align-items: center; }
  .hero-buttons .btn { width: 100%; justify-content: center; }
  .trust-strip { gap: 12px; }
  .trust-item { font-size: 0.78rem; }
  .section { padding: 60px 0; }
  .section-header { margin-bottom: 40px; }
  .section-header h2 { font-size: 1.6rem; }
  .services-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .funds-grid { grid-template-columns: 1fr; }
  .tools-grid { grid-template-columns: 1fr 1fr; }
  .insights-grid { grid-template-columns: 1fr; }
  .calc-tabs { gap: 6px; }
  .calc-tab { font-size: 0.78rem; padding: 8px 16px; }
  .calc-container { padding: 24px; }
  .lead-form { padding: 24px; }
  .about-values { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .testimonial-card { padding: 24px 16px; }
  .journey-timeline { padding-left: 40px; }
  .js-num { width: 36px; height: 36px; font-size: 0.9rem; left: -40px; }
}

@media (max-width: 480px) {
  .why-grid { grid-template-columns: 1fr; }
  .tools-grid { grid-template-columns: 1fr; }
  .about-values { grid-template-columns: 1fr; }
  .container { padding: 0 16px; }
  .hero-card-main { width: 280px; padding: 20px; }
}

[data-theme="dark"] .hero { background: linear-gradient(135deg, #061525 0%, #0A2540 50%, #0d1f35 100%); }
[data-theme="dark"] .lead-section { background: linear-gradient(135deg, #061525 0%, #0A2540 50%, #0d1f35 100%); }
[data-theme="dark"] .journey-section { background: linear-gradient(135deg, #061525 0%, #0A2540 50%, #0d1f35 100%); }
[data-theme="dark"] .footer { background: #061525; }