/* ===== CSS RESET & BASE ===== */
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; font-size: 16px; }
    body {
      font-family: 'Inter', Arial, sans-serif;
      color: #333;
      line-height: 1.65;
      overflow-x: hidden;
      background: #fff;
    }
    img { max-width: 100%; height: auto; display: block; }
    a { text-decoration: none; color: inherit; transition: color 0.3s; }

    /* ===== BRAND COLORS ===== */
    :root {
      --navy: #0D1F3C;
      --navy-mid: #1A2F52;
      --deep-blue: #003B73;
      --mid-blue: #0052CC;
      --teal: #00C9A7;
      --teal-dark: #00A88A;
      --teal-glow: rgba(0, 201, 167, 0.18);
      --green: #28A745;
      --gold: #F5A623;
      --gold-dark: #C47A00;
      --gold-light: #FFF3DC;
      --light-teal: #E0FAF4;
      --light-blue: #E8F0FE;
      --light-gray: #F4F6FA;
      --dark-text: #0D1F3C;
      --med-text: #3D4B60;
      --muted-text: #6B7A90;
      --white: #FFFFFF;
      --border: #E2E8F0;
      --shadow-sm: 0 2px 8px rgba(13, 31, 60, 0.07);
      --shadow: 0 4px 24px rgba(13, 31, 60, 0.10);
      --shadow-lg: 0 12px 48px rgba(13, 31, 60, 0.14);
      --shadow-xl: 0 24px 64px rgba(13, 31, 60, 0.18);
      --radius: 16px;
      --radius-sm: 10px;
    }

    /* ===== TYPOGRAPHY ===== */
    h1, h2, h3, h4, h5, h6 { font-family: 'Montserrat', Arial, sans-serif; line-height: 1.2; color: var(--dark-text); }
    h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 900; letter-spacing: -0.5px; }
    h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 800; letter-spacing: -0.3px; }
    h3 { font-size: 1.3rem; font-weight: 700; }
    p { color: var(--med-text); }

    /* ===== LAYOUT ===== */
    .container { max-width: 1220px; margin: 0 auto; padding: 0 28px; }
    .section { padding: 96px 0; }
    .section-header { text-align: center; max-width: 740px; margin: 0 auto 56px; }
    .section-header h2 { color: var(--navy); margin-bottom: 14px; }
    .section-header .accent-line { width: 52px; height: 4px; background: linear-gradient(90deg, var(--teal), var(--mid-blue)); margin: 18px auto; border-radius: 4px; }
    .section-header p { color: var(--muted-text); font-size: 1.1rem; line-height: 1.75; }
    .eyebrow { font-size: 0.78rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--teal); margin-bottom: 10px; display: block; }

    /* ===== BUTTONS ===== */
    .btn {
      display: inline-flex; align-items: center; gap: 8px;
      padding: 15px 34px; border-radius: 50px; font-family: 'Montserrat', sans-serif;
      font-weight: 700; font-size: 0.95rem; cursor: pointer; border: none;
      transition: all 0.3s ease; text-align: center; letter-spacing: 0.3px;
    }
    .btn-primary {
      background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
      color: var(--navy);
      box-shadow: 0 4px 18px rgba(0, 201, 167, 0.3);
    }
    .btn-primary:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(0, 201, 167, 0.45); }
    .btn-secondary { background: rgba(255,255,255,0.12); color: var(--white); border: 2px solid rgba(255,255,255,0.4); backdrop-filter: blur(4px); }
    .btn-secondary:hover { background: var(--white); color: var(--navy); border-color: var(--white); }
    .btn-outline { background: transparent; color: var(--teal); border: 2px solid var(--teal); }
    .btn-outline:hover { background: var(--teal); color: var(--navy); transform: translateY(-2px); }
    .btn-navy { background: var(--navy); color: var(--white); }
    .btn-navy:hover { background: var(--navy-mid); transform: translateY(-3px); box-shadow: 0 8px 28px rgba(13, 31, 60, 0.3); }
    .btn-gold { background: linear-gradient(135deg, var(--gold-dark), #A05F00); color: var(--white); }
    .btn-gold:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(245, 166, 35, 0.4); }

    /* ===== TOP ANNOUNCEMENT BAR ===== */
    .announcement-bar {
      background: linear-gradient(90deg, var(--teal-dark), var(--mid-blue));
      color: var(--white);
      text-align: center;
      padding: 10px 24px;
      font-size: 0.85rem;
      font-weight: 600;
      letter-spacing: 0.2px;
    }
    .announcement-bar a { color: var(--white); text-decoration: underline; opacity: 0.9; }
    .announcement-bar a:hover { opacity: 1; }

    /* ===== NAVIGATION ===== */
    .navbar {
      position: fixed; top: 36px; left: 0; right: 0; z-index: 1000;
      background: rgba(13, 31, 60, 0.96); backdrop-filter: blur(16px);
      padding: 0 28px; transition: all 0.3s;
      border-bottom: 1px solid rgba(255,255,255,0.06);
    }
    .navbar.at-top { top: 36px; }
    .navbar.scrolled { top: 0; box-shadow: 0 4px 30px rgba(0,0,0,0.2); }
    .navbar .container { display: flex; align-items: center; justify-content: space-between; height: 70px; }
    .navbar-brand { display: flex; align-items: center; gap: 10px; }
    .navbar-brand .logo-img { width: 36px; height: 36px; border-radius: 8px; object-fit: contain; background: rgba(255,255,255,0.08); }
    .navbar-brand .logo-text { font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: 1.2rem; color: var(--white); letter-spacing: -0.3px; }
    .navbar-brand .logo-text span { color: var(--teal); }
    .nav-links { display: flex; gap: 24px; align-items: center; list-style: none; }
    .nav-links a { color: rgba(255,255,255,0.8); font-size: 0.88rem; font-weight: 600; transition: color 0.3s; letter-spacing: 0.2px; }
    .nav-links a:hover { color: var(--teal); }
    .nav-cta .btn { padding: 10px 22px; font-size: 0.85rem; }
    .mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
    .mobile-toggle span { display: block; width: 22px; height: 2px; background: var(--white); margin: 5px 0; transition: all 0.3s; border-radius: 2px; }

    /* ===== HERO ===== */
    .hero {
      min-height: 100vh; display: flex; align-items: center;
      background: linear-gradient(145deg, var(--navy) 0%, #0a1929 40%, #001a3a 100%);
      position: relative; overflow: hidden; padding-top: 106px;
    }
    .hero-geo {
      position: absolute; inset: 0; overflow: hidden; pointer-events: none;
    }
    .hero-geo::before {
      content: ''; position: absolute;
      width: 900px; height: 900px; border-radius: 50%;
      background: radial-gradient(circle, rgba(0, 201, 167, 0.07) 0%, transparent 70%);
      top: -200px; right: -200px;
    }
    .hero-geo::after {
      content: ''; position: absolute;
      width: 700px; height: 700px; border-radius: 50%;
      background: radial-gradient(circle, rgba(0, 82, 204, 0.08) 0%, transparent 70%);
      bottom: -100px; left: -150px;
    }
    .hero-grid-bg {
      position: absolute; inset: 0;
      background-image:
        linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
      background-size: 60px 60px;
    }
    .hero .container { position: relative; z-index: 2; }
    .hero-content { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 64px; align-items: center; padding: 40px 0 60px; }
    .hero-badge {
      display: inline-flex; align-items: center; gap: 8px;
      background: rgba(0, 201, 167, 0.12); border: 1px solid rgba(0, 201, 167, 0.3);
      color: var(--teal); padding: 7px 18px; border-radius: 50px; font-size: 0.8rem;
      font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 22px;
    }
    .hero-badge::before { content: '●'; font-size: 0.5rem; animation: pulse-dot 2s infinite; }
    @keyframes pulse-dot { 0%, 100% { opacity: 1; } 50% { opacity: 0.3; } }
    .hero-text h1 { color: var(--white); margin-bottom: 22px; }
    .hero-text h1 .highlight {
      color: var(--teal);
      position: relative;
    }
    .hero-text h1 .highlight::after {
      content: '';
      position: absolute; left: 0; bottom: -4px; right: 0; height: 3px;
      background: linear-gradient(90deg, var(--teal), transparent);
      border-radius: 2px;
    }
    .hero-text .subtitle { color: rgba(255,255,255,0.75); font-size: 1.15rem; margin-bottom: 36px; line-height: 1.8; max-width: 540px; }
    .hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
    .hero-stats { display: flex; gap: 0; border: 1px solid rgba(255,255,255,0.1); border-radius: 16px; overflow: hidden; background: rgba(255,255,255,0.04); backdrop-filter: blur(8px); }
    .hero-stat { flex: 1; text-align: center; padding: 18px 12px; border-right: 1px solid rgba(255,255,255,0.1); }
    .hero-stat:last-child { border-right: none; }
    .hero-stat .number { font-family: 'Montserrat', sans-serif; font-size: 1.8rem; font-weight: 900; color: var(--teal); line-height: 1; }
    .hero-stat .label { color: rgba(255,255,255,0.55); font-size: 0.75rem; margin-top: 5px; line-height: 1.3; }
    .hero-visual { display: flex; justify-content: center; align-items: center; }
    .hero-card {
      background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
      border-radius: 24px; padding: 36px 32px; backdrop-filter: blur(16px);
      max-width: 400px; width: 100%;
      box-shadow: 0 24px 60px rgba(0,0,0,0.3), inset 0 1px 0 rgba(255,255,255,0.08);
    }
    .hero-card-header { display: flex; align-items: center; gap: 10px; margin-bottom: 22px; }
    .hero-card-header .card-icon { width: 40px; height: 40px; background: var(--teal-glow); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; }
    .hero-card h3 { color: var(--white); font-size: 1.15rem; font-weight: 700; }
    .hero-card .card-sub { color: rgba(255,255,255,0.5); font-size: 0.8rem; margin-top: 2px; }
    .quick-quote-form { display: flex; flex-direction: column; gap: 12px; }
    .quick-quote-form select,
    .quick-quote-form input {
      padding: 13px 16px; border-radius: 10px; border: 1.5px solid rgba(255,255,255,0.12);
      background: rgba(255,255,255,0.07); color: var(--white); font-size: 0.95rem;
      font-family: 'Inter', sans-serif; outline: none; transition: border 0.3s;
    }
    .quick-quote-form select option { background: var(--navy); color: var(--white); }
    .quick-quote-form input::placeholder { color: rgba(255,255,255,0.4); }
    .quick-quote-form select:focus,
    .quick-quote-form input:focus { border-color: var(--teal); background: rgba(255,255,255,0.1); }
    .quick-quote-form .btn { width: 100%; justify-content: center; padding: 15px; font-size: 1rem; margin-top: 4px; }
    .form-privacy { color: rgba(255,255,255,0.35); font-size: 0.72rem; text-align: center; margin-top: 4px; }

    /* ===== TRUST BAR ===== */
    .trust-bar {
      background: var(--white); border-bottom: 1px solid var(--border);
      padding: 24px 0;
      box-shadow: var(--shadow-sm);
    }
    .trust-bar .container { display: flex; align-items: center; justify-content: center; gap: 0; flex-wrap: wrap; }
    .trust-item { display: flex; align-items: center; gap: 10px; color: var(--med-text); font-size: 0.88rem; font-weight: 600; padding: 8px 28px; border-right: 1px solid var(--border); }
    .trust-item:last-child { border-right: none; }
    .trust-icon {
      width: 36px; height: 36px; border-radius: 8px; display: flex; align-items: center; justify-content: center;
      font-size: 1rem; flex-shrink: 0;
    }
    .trust-icon.blue { background: var(--light-blue); }
    .trust-icon.teal { background: var(--light-teal); }
    .trust-icon.gold { background: var(--gold-light); }

    /* ===== SERVICES ===== */
    .services { background: var(--light-gray); }
    .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
    .service-card {
      background: var(--white); border-radius: 20px; padding: 40px 30px; text-align: left;
      box-shadow: var(--shadow); transition: all 0.4s ease; position: relative; overflow: hidden;
      border: 1px solid var(--border);
    }
    .service-card::before {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
      background: linear-gradient(90deg, var(--teal), var(--mid-blue));
      transform: scaleX(0); transform-origin: left; transition: transform 0.4s ease;
    }
    .service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-xl); border-color: transparent; }
    .service-card:hover::before { transform: scaleX(1); }
    .service-tag {
      display: inline-block; background: var(--light-teal); color: var(--teal-dark);
      font-size: 0.72rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase;
      padding: 4px 12px; border-radius: 50px; margin-bottom: 16px;
    }
    .service-tag.visa { background: var(--light-blue); color: var(--mid-blue); }
    .service-tag.travel { background: var(--gold-light); color: #c47a00; }
    .service-icon {
      width: 64px; height: 64px; border-radius: 16px; margin-bottom: 18px;
      display: flex; align-items: center; justify-content: center; font-size: 1.8rem;
    }
    .service-icon.life { background: linear-gradient(135deg, #E0FAF4, #B2FFEC); }
    .service-icon.visa { background: linear-gradient(135deg, var(--light-blue), #BFD7FF); }
    .service-icon.travel { background: linear-gradient(135deg, var(--gold-light), #FFE0B2); }
    .service-card h3 { color: var(--navy); margin-bottom: 10px; font-size: 1.25rem; }
    .service-card > p { color: var(--muted-text); font-size: 0.93rem; margin-bottom: 20px; line-height: 1.7; }
    .service-features { list-style: none; margin-bottom: 28px; }
    .service-features li {
      padding: 7px 0; font-size: 0.88rem; color: var(--med-text);
      display: flex; align-items: flex-start; gap: 10px;
      border-bottom: 1px solid var(--border);
    }
    .service-features li:last-child { border-bottom: none; }
    .service-features li::before { content: '✓'; color: var(--teal); font-weight: 800; flex-shrink: 0; margin-top: 1px; }
    .service-card .btn-outline { width: 100%; justify-content: center; font-size: 0.88rem; padding: 13px; border-radius: 50px; }

    /* ===== HOW IT WORKS ===== */
    .how-it-works { background: var(--white); }
    .process-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
    .process-steps::before {
      content: ''; position: absolute; top: 40px; left: 10%; right: 10%;
      height: 2px; background: linear-gradient(90deg, var(--teal), var(--mid-blue));
      z-index: 0;
    }
    .process-step { text-align: center; position: relative; z-index: 1; }
    .step-number {
      width: 80px; height: 80px; border-radius: 50%; margin: 0 auto 20px;
      background: linear-gradient(135deg, var(--teal), var(--teal-dark));
      display: flex; align-items: center; justify-content: center;
      font-family: 'Montserrat', sans-serif; font-size: 1.6rem; font-weight: 900;
      color: var(--navy); box-shadow: 0 4px 20px rgba(0, 201, 167, 0.35);
    }
    .process-step h3 { color: var(--navy); margin-bottom: 8px; font-size: 1.1rem; }
    .process-step p { color: var(--muted-text); font-size: 0.88rem; line-height: 1.65; }

    /* ===== ABOUT ===== */
    .about { background: var(--light-gray); }
    .about-content { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 72px; align-items: center; }
    .about-image {
      border-radius: 24px; overflow: hidden; position: relative;
      box-shadow: var(--shadow-xl);
    }
    .about-image img { width: 100%; display: block; object-fit: cover; }
    .about-image-placeholder {
      width: 100%; aspect-ratio: 4/5;
      background: linear-gradient(145deg, var(--navy), var(--navy-mid), #003080);
      display: flex; flex-direction: column; align-items: center; justify-content: center; padding: 40px;
      position: relative;
    }
    .about-image-placeholder::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(circle at 60% 40%, rgba(0, 201, 167, 0.12), transparent 60%);
    }
    .about-image-placeholder .initials {
      font-family: 'Montserrat', sans-serif; font-size: 5rem; font-weight: 900;
      color: var(--teal); margin-bottom: 14px; position: relative; z-index: 1;
    }
    .about-image-placeholder p { color: rgba(255,255,255,0.6); text-align: center; position: relative; z-index: 1; font-size: 0.95rem; }
    .about-image-badge {
      position: absolute; bottom: 24px; left: 50%; transform: translateX(-50%);
      background: rgba(0, 201, 167, 0.15); border: 1px solid rgba(0, 201, 167, 0.4);
      color: var(--teal); padding: 8px 20px; border-radius: 50px;
      font-size: 0.78rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
      white-space: nowrap;
    }
    .about-text .eyebrow { color: var(--teal); }
    .about-text h2 { color: var(--navy); margin-bottom: 6px; }
    .about-text .accent-line { width: 52px; height: 4px; background: linear-gradient(90deg, var(--teal), var(--mid-blue)); margin: 18px 0 24px; border-radius: 4px; }
    .about-text p { margin-bottom: 16px; color: var(--med-text); line-height: 1.8; }
    .about-credentials { display: flex; flex-wrap: wrap; gap: 10px; margin: 24px 0; }
    .credential {
      display: inline-flex; align-items: center; gap: 6px; background: var(--white);
      color: var(--navy); padding: 8px 16px; border-radius: 50px; font-size: 0.82rem; font-weight: 700;
      box-shadow: var(--shadow-sm); border: 1px solid var(--border);
    }
    .credential::before { content: '✓'; color: var(--teal); font-weight: 900; }
    .languages { display: flex; gap: 10px; margin-top: 20px; flex-wrap: wrap; }
    .lang-badge {
      background: var(--light-blue); color: var(--deep-blue); padding: 6px 18px;
      border-radius: 50px; font-size: 0.82rem; font-weight: 700;
    }
    .about-highlight {
      background: linear-gradient(135deg, var(--light-teal), #E8FFFB);
      border: 1px solid rgba(0, 201, 167, 0.2);
      border-radius: 16px; padding: 22px 24px; margin-top: 24px;
      display: flex; gap: 14px; align-items: flex-start;
    }
    .about-highlight .quote-icon { font-size: 2.5rem; color: var(--teal); opacity: 0.4; line-height: 1; flex-shrink: 0; font-family: Georgia, serif; }
    .about-highlight p { color: var(--navy); font-style: italic; font-size: 0.95rem; line-height: 1.7; margin: 0; font-weight: 500; }

    /* ===== WHY CHOOSE US ===== */
    .why-us {
      background: linear-gradient(145deg, var(--navy) 0%, #0a1929 100%);
      color: var(--white); position: relative; overflow: hidden;
    }
    .why-us::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(circle at 80% 50%, rgba(0, 201, 167, 0.06), transparent 60%);
    }
    .why-us .section-header h2 { color: var(--white); }
    .why-us .section-header p { color: rgba(255,255,255,0.65); }
    .why-us .accent-line { background: linear-gradient(90deg, var(--teal), var(--mid-blue)); }
    .why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
    .why-card {
      background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08);
      border-radius: 20px; padding: 36px 28px; transition: all 0.35s;
      position: relative; overflow: hidden;
    }
    .why-card::before {
      content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
      background: linear-gradient(90deg, var(--teal), var(--mid-blue));
      transform: scaleX(0); transform-origin: left; transition: transform 0.35s;
    }
    .why-card:hover { background: rgba(255,255,255,0.08); transform: translateY(-6px); }
    .why-card:hover::before { transform: scaleX(1); }
    .why-icon {
      width: 56px; height: 56px; margin-bottom: 18px; border-radius: 14px;
      background: rgba(0, 201, 167, 0.12); border: 1px solid rgba(0, 201, 167, 0.2);
      display: flex; align-items: center; justify-content: center; font-size: 1.4rem;
    }
    .why-card h3 { color: var(--teal); font-size: 1.05rem; margin-bottom: 10px; }
    .why-card p { color: rgba(255,255,255,0.65); font-size: 0.9rem; line-height: 1.7; }

    /* ===== STATISTICS ===== */
    .stats-section { background: var(--white); }
    .stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border: 1px solid var(--border); border-radius: 20px; overflow: hidden; }
    .stat-card { text-align: center; padding: 40px 20px; border-right: 1px solid var(--border); position: relative; }
    .stat-card:last-child { border-right: none; }
    .stat-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--teal), var(--mid-blue)); }
    .stat-number {
      font-family: 'Montserrat', sans-serif; font-size: 2.6rem; font-weight: 900;
      background: linear-gradient(135deg, var(--teal) 0%, var(--mid-blue) 100%);
      -webkit-background-clip: text; -webkit-text-fill-color: transparent;
      background-clip: text; line-height: 1;
    }
    .stat-label { color: var(--muted-text); font-size: 0.88rem; margin-top: 8px; line-height: 1.4; }

    /* ===== COVERAGE MAP ===== */
    .coverage { background: var(--light-gray); }
    .coverage-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
    .coverage-map-visual {
      background: linear-gradient(145deg, var(--navy), #0a1929);
      border-radius: 24px; padding: 48px 40px; text-align: center;
      box-shadow: var(--shadow-xl); position: relative; overflow: hidden;
    }
    .coverage-map-visual::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(circle at 50% 40%, rgba(0, 201, 167, 0.08), transparent 65%);
    }
    .coverage-map-visual .map-icon { font-size: 4rem; margin-bottom: 18px; position: relative; z-index: 1; }
    .coverage-map-visual h3 { color: var(--white); font-size: 1.5rem; margin-bottom: 10px; position: relative; z-index: 1; }
    .coverage-map-visual p { color: rgba(255,255,255,0.6); font-size: 0.9rem; margin-bottom: 28px; position: relative; z-index: 1; }
    .coverage-cities { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; position: relative; z-index: 1; }
    .city-chip {
      background: rgba(0, 201, 167, 0.1); border: 1px solid rgba(0, 201, 167, 0.25);
      color: var(--teal); padding: 6px 16px; border-radius: 50px; font-size: 0.8rem; font-weight: 600;
    }
    .coverage-text h2 { color: var(--navy); margin-bottom: 6px; }
    .coverage-text .accent-line { width: 52px; height: 4px; background: linear-gradient(90deg, var(--teal), var(--mid-blue)); margin: 18px 0 24px; border-radius: 4px; }
    .coverage-text p { color: var(--med-text); margin-bottom: 16px; line-height: 1.8; }
    .coverage-list { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 24px; }
    .coverage-list li { display: flex; align-items: center; gap: 8px; font-size: 0.88rem; font-weight: 600; color: var(--navy); }
    .coverage-list li::before { content: '📍'; font-size: 0.85rem; }

    /* ===== TESTIMONIALS ===== */
    .testimonials { background: var(--white); }
    .testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
    .testimonial-card {
      background: var(--white); border-radius: 20px; padding: 36px 28px;
      box-shadow: var(--shadow); position: relative; border: 1px solid var(--border);
      transition: all 0.3s;
    }
    .testimonial-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: rgba(0, 201, 167, 0.2); }
    .quote-mark {
      font-family: Georgia, serif; font-size: 5rem; color: var(--teal);
      opacity: 0.12; line-height: 1; position: absolute; top: 14px; left: 20px;
    }
    .testimonial-stars { color: var(--gold-dark); font-size: 0.9rem; margin-bottom: 14px; letter-spacing: 2px; }
    .testimonial-text { color: var(--med-text); font-size: 0.93rem; font-style: italic; margin-bottom: 22px; line-height: 1.75; }
    .testimonial-author { display: flex; align-items: center; gap: 12px; padding-top: 16px; border-top: 1px solid var(--border); }
    .testimonial-avatar {
      width: 46px; height: 46px; border-radius: 50%; background: linear-gradient(135deg, var(--teal), var(--mid-blue));
      display: flex; align-items: center; justify-content: center; flex-shrink: 0;
      font-family: 'Montserrat', sans-serif; font-weight: 800; color: var(--white); font-size: 0.9rem;
    }
    .testimonial-name { font-weight: 700; color: var(--navy); font-size: 0.92rem; }
    .testimonial-detail { color: var(--muted-text); font-size: 0.78rem; margin-top: 2px; }

    /* ===== KNOWLEDGE HUB ===== */
    .knowledge { background: var(--light-gray); }
    .knowledge-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
    .knowledge-card {
      background: var(--white); border-radius: 20px; overflow: hidden;
      box-shadow: var(--shadow); border: 1px solid var(--border); transition: all 0.3s;
    }
    .knowledge-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
    .knowledge-card-top {
      padding: 32px 28px 20px; background: linear-gradient(145deg, var(--navy), #0a1929);
      display: flex; align-items: flex-start; gap: 14px; position: relative; overflow: hidden;
    }
    .knowledge-card-top::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(circle at 80% 20%, rgba(0, 201, 167, 0.08), transparent 60%);
    }
    .knowledge-icon { font-size: 2rem; position: relative; z-index: 1; }
    .knowledge-card-top h3 { color: var(--white); font-size: 1rem; position: relative; z-index: 1; line-height: 1.35; }
    .knowledge-card-body { padding: 22px 28px 28px; }
    .knowledge-card-body p { color: var(--muted-text); font-size: 0.88rem; line-height: 1.7; margin-bottom: 16px; }
    .knowledge-card-body a { color: var(--teal); font-weight: 700; font-size: 0.85rem; display: flex; align-items: center; gap: 6px; }
    .knowledge-card-body a:hover { color: var(--teal-dark); }

    /* ===== FAQ ===== */
    .faq { background: var(--white); }
    .faq-list { max-width: 820px; margin: 0 auto; }
    .faq-item {
      border-radius: 14px; margin-bottom: 10px;
      box-shadow: var(--shadow-sm); overflow: hidden;
      border: 1px solid var(--border); transition: border-color 0.3s;
    }
    .faq-item.active { border-color: rgba(0, 201, 167, 0.35); }
    .faq-question {
      width: 100%; padding: 20px 24px; border: none; background: var(--white);
      text-align: left; cursor: pointer; display: flex; justify-content: space-between; align-items: center;
      font-family: 'Montserrat', sans-serif; font-size: 0.97rem; font-weight: 700; color: var(--navy);
      transition: background 0.2s; gap: 16px;
    }
    .faq-question:hover { background: var(--light-teal); }
    .faq-item.active .faq-question { background: var(--light-teal); color: var(--teal-dark); }
    .faq-arrow {
      width: 28px; height: 28px; border-radius: 50%; background: var(--light-teal);
      display: flex; align-items: center; justify-content: center; flex-shrink: 0;
      color: var(--teal-dark); font-size: 0.8rem; transition: all 0.3s;
    }
    .faq-item.active .faq-arrow { background: var(--teal); color: var(--white); transform: rotate(180deg); }
    .faq-answer {
      max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.3s;
      padding: 0 24px; background: var(--white);
    }
    .faq-item.active .faq-answer { max-height: 400px; padding: 0 24px 22px; }
    .faq-answer p { color: var(--med-text); font-size: 0.93rem; line-height: 1.75; }

    /* ===== CONTACT ===== */
    .contact { background: var(--light-gray); }
    .contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 56px; }
    .contact-info h3 { color: var(--navy); font-size: 1.5rem; margin-bottom: 8px; }
    .contact-intro { color: var(--muted-text); margin-bottom: 28px; font-size: 0.93rem; line-height: 1.75; }
    .contact-methods { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
    .contact-method {
      display: flex; align-items: center; gap: 16px; padding: 16px 20px;
      background: var(--white); border-radius: 14px; box-shadow: var(--shadow-sm);
      transition: all 0.25s; border: 1px solid var(--border);
    }
    .contact-method:hover { transform: translateX(6px); border-color: rgba(0, 201, 167, 0.3); box-shadow: var(--shadow); }
    .contact-method-icon {
      width: 44px; height: 44px; border-radius: 12px; display: flex;
      align-items: center; justify-content: center; font-size: 1.1rem; flex-shrink: 0;
    }
    .contact-method-icon.phone { background: var(--light-teal); }
    .contact-method-icon.email { background: var(--light-blue); }
    .contact-method-icon.location { background: var(--gold-light); }
    .contact-method-icon.whatsapp { background: #25D366; }
    .contact-method-icon.whatsapp svg { width: 24px; height: 24px; }
    .contact-method-label { font-size: 0.75rem; color: var(--muted-text); text-transform: uppercase; letter-spacing: 0.7px; font-weight: 600; }
    .contact-method-value { font-weight: 700; color: var(--navy); font-size: 0.95rem; }
    .hours-card {
      background: var(--white); border-radius: 14px; padding: 20px 22px;
      box-shadow: var(--shadow-sm); border: 1px solid var(--border);
    }
    .hours-card h4 { font-family: 'Montserrat', sans-serif; color: var(--navy); font-size: 0.9rem; margin-bottom: 10px; }
    .hours-row { display: flex; justify-content: space-between; font-size: 0.87rem; color: var(--med-text); padding: 5px 0; border-bottom: 1px solid var(--border); }
    .hours-row:last-child { border-bottom: none; }
    .hours-row span:last-child { font-weight: 600; color: var(--navy); }
    .contact-form-wrap {
      background: var(--white); border-radius: 20px; padding: 40px; box-shadow: var(--shadow-lg);
      border: 1px solid var(--border);
    }
    .contact-form-wrap h3 { color: var(--navy); margin-bottom: 6px; font-size: 1.3rem; }
    .contact-form-wrap .form-subtitle { color: var(--muted-text); font-size: 0.88rem; margin-bottom: 26px; }
    .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
    .form-group { margin-bottom: 14px; }
    .form-group label { display: block; margin-bottom: 6px; font-size: 0.82rem; font-weight: 700; color: var(--navy); letter-spacing: 0.3px; }
    .form-group input,
    .form-group select,
    .form-group textarea {
      width: 100%; padding: 12px 16px; border: 1.5px solid var(--border); border-radius: 10px;
      font-family: 'Inter', sans-serif; font-size: 0.93rem; transition: border 0.3s;
      outline: none; background: var(--white); color: var(--dark-text);
    }
    .form-group input:focus,
    .form-group select:focus,
    .form-group textarea:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(0, 201, 167, 0.1); }
    .form-group textarea { resize: vertical; min-height: 90px; }
    .contact-form .btn { width: 100%; justify-content: center; padding: 16px; font-size: 1rem; }

    /* ===== PARTNERS ===== */
    .partners { background: var(--white); padding: 52px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
    .partner-label { text-align: center; font-size: 0.75rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--muted-text); margin-bottom: 28px; }
    .partner-logos { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }
    .partner-logo {
      display: inline-flex; align-items: center; justify-content: center;
      width: 168px; height: 72px; padding: 10px 16px;
      background: var(--white);
      border: 1.5px solid var(--border); border-radius: 12px;
      opacity: 0.85;
      transition: opacity 0.3s, border-color 0.3s, transform 0.3s, box-shadow 0.3s;
    }
    .partner-logo img {
      max-width: 100%; max-height: 100%;
      width: auto; height: auto;
      object-fit: contain; display: block;
      filter: grayscale(20%);
      transition: filter 0.3s;
    }
    .partner-logo:hover {
      opacity: 1; border-color: var(--teal);
      transform: translateY(-2px);
      box-shadow: var(--shadow-sm);
    }
    .partner-logo:hover img { filter: grayscale(0%); }
    @media (max-width: 720px) {
      .partner-logos { gap: 10px; }
      .partner-logo { width: 138px; height: 60px; padding: 8px 12px; }
    }

    /* ===== CTA BANNER ===== */
    .cta-banner {
      background: linear-gradient(135deg, #009e82, var(--teal-dark) 50%, #007a65);
      padding: 80px 0; text-align: center; position: relative; overflow: hidden;
    }
    .cta-banner::before {
      content: ''; position: absolute; inset: 0;
      background-image: linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
      background-size: 40px 40px;
    }
    .cta-banner .container { position: relative; z-index: 1; }
    .cta-banner h2 { color: var(--white); margin-bottom: 14px; font-size: clamp(1.7rem, 3.5vw, 2.4rem); }
    .cta-banner p { color: rgba(255,255,255,0.85); font-size: 1.1rem; margin-bottom: 32px; }
    .cta-banner-buttons { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
    .cta-banner .btn-navy { box-shadow: 0 8px 30px rgba(0,0,0,0.2); }
    .cta-banner .btn-white { background: rgba(255,255,255,0.15); border: 2px solid rgba(255,255,255,0.5); color: var(--white); border-radius: 50px; padding: 15px 34px; font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 0.95rem; display: inline-flex; align-items: center; gap: 8px; transition: all 0.3s; }
    .cta-banner .btn-white:hover { background: rgba(255,255,255,0.28); }

    /* ===== FOOTER ===== */
    .footer {
      background: var(--navy); color: rgba(255,255,255,0.65); padding: 64px 0 0;
    }
    .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
    .footer-brand .logo-text { font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: 1.25rem; color: var(--white); margin-bottom: 14px; letter-spacing: -0.3px; }
    .footer-brand .logo-text span { color: var(--teal); }
    .footer-brand p { font-size: 0.88rem; margin-bottom: 14px; line-height: 1.7; }
    .footer-brand .tagline { color: var(--teal); font-style: italic; font-size: 0.88rem; font-weight: 500; }
    .footer h4 { color: var(--white); font-family: 'Montserrat', sans-serif; font-size: 0.85rem; font-weight: 800; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 18px; }
    .footer-links { list-style: none; }
    .footer-links li { margin-bottom: 10px; }
    .footer-links a { color: rgba(255,255,255,0.55); font-size: 0.88rem; transition: color 0.3s; }
    .footer-links a:hover { color: var(--teal); }
    .footer-bottom {
      border-top: 1px solid rgba(255,255,255,0.08); padding: 22px 0;
      display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
      font-size: 0.82rem;
    }
    .social-links { display: flex; gap: 10px; }
    .social-links a {
      width: 36px; height: 36px; border-radius: 10px; background: rgba(255,255,255,0.06);
      border: 1px solid rgba(255,255,255,0.08);
      display: flex; align-items: center; justify-content: center; transition: all 0.3s;
      font-size: 0.8rem; font-weight: 700; color: rgba(255,255,255,0.5);
    }
    .social-links a:hover { background: var(--teal); color: var(--navy); border-color: var(--teal); }
    .footer-disclaimer { text-align: center; padding: 16px 0; font-size: 0.76rem; color: rgba(255,255,255,0.3); border-top: 1px solid rgba(255,255,255,0.05); }

    /* ===== INVESTMENTS & WEALTH ===== */
    .investments { background: var(--white); }
    .investments-intro { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; margin-bottom: 72px; }
    .investments-intro-text h2 { color: var(--navy); margin-bottom: 6px; }
    .investments-intro-text .accent-line { width: 52px; height: 4px; background: linear-gradient(90deg, var(--teal), var(--mid-blue)); margin: 18px 0 24px; border-radius: 4px; }
    .investments-intro-text p { color: var(--med-text); margin-bottom: 16px; line-height: 1.8; }
    .investments-intro-highlight {
      background: linear-gradient(145deg, var(--navy), #0a1929);
      border-radius: 24px; padding: 40px 36px; color: var(--white);
      position: relative; overflow: hidden;
    }
    .investments-intro-highlight::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(circle at 70% 30%, rgba(0, 201, 167, 0.1), transparent 60%);
    }
    .investments-intro-highlight .inv-icon { font-size: 3rem; margin-bottom: 16px; position: relative; z-index: 1; }
    .investments-intro-highlight h3 { color: var(--teal); font-size: 1.1rem; margin-bottom: 12px; position: relative; z-index: 1; }
    .investments-intro-highlight p { color: rgba(255,255,255,0.7); font-size: 0.9rem; line-height: 1.75; margin: 0; position: relative; z-index: 1; }
    .investments-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
    .investment-card {
      background: var(--white); border: 1px solid var(--border); border-radius: 18px;
      padding: 28px 22px; transition: all 0.35s; position: relative; overflow: hidden;
      box-shadow: var(--shadow-sm);
    }
    .investment-card::after {
      content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
      background: linear-gradient(90deg, var(--teal), var(--mid-blue));
      transform: scaleX(0); transform-origin: left; transition: transform 0.35s;
    }
    .investment-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(0, 201, 167, 0.25); }
    .investment-card:hover::after { transform: scaleX(1); }
    .inv-card-icon {
      width: 54px; height: 54px; border-radius: 14px; margin-bottom: 16px;
      display: flex; align-items: center; justify-content: center; font-size: 1.5rem;
      background: linear-gradient(135deg, var(--light-teal), #E8FFFB);
    }
    .inv-card-icon.blue { background: linear-gradient(135deg, var(--light-blue), #D0E8FF); }
    .inv-card-icon.gold { background: linear-gradient(135deg, var(--gold-light), #FFE8B0); }
    .inv-card-icon.purple { background: linear-gradient(135deg, #F3E8FF, #E8D0FF); }
    .investment-card .inv-tag {
      display: inline-block; font-size: 0.68rem; font-weight: 700; letter-spacing: 1.5px;
      text-transform: uppercase; padding: 3px 10px; border-radius: 50px; margin-bottom: 10px;
      background: var(--light-teal); color: var(--teal-dark);
    }
    .investment-card .inv-tag.blue { background: var(--light-blue); color: var(--mid-blue); }
    .investment-card .inv-tag.gold { background: var(--gold-light); color: #b07800; }
    .investment-card .inv-tag.purple { background: #F3E8FF; color: #7c3aed; }
    .investment-card h3 { color: var(--navy); font-size: 1rem; margin-bottom: 10px; }
    .investment-card p { color: var(--muted-text); font-size: 0.85rem; line-height: 1.65; margin-bottom: 16px; }
    .investment-card .inv-features { list-style: none; }
    .investment-card .inv-features li {
      font-size: 0.8rem; color: var(--med-text); padding: 4px 0;
      display: flex; align-items: flex-start; gap: 7px;
      border-bottom: 1px solid var(--border);
    }
    .investment-card .inv-features li:last-child { border-bottom: none; }
    .investment-card .inv-features li::before { content: '✓'; color: var(--teal); font-weight: 800; flex-shrink: 0; }
    .investments-disclaimer {
      margin-top: 40px; padding: 20px 24px;
      background: var(--light-gray); border-radius: 12px; border-left: 4px solid var(--teal);
      font-size: 0.8rem; color: var(--muted-text); line-height: 1.7;
    }
    .investments-disclaimer strong { color: var(--navy); }

    /* ===== BLOG ===== */
    .blog { background: var(--light-gray); }
    .blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-bottom: 40px; }
    .blog-card {
      background: var(--white); border-radius: 20px; overflow: hidden;
      box-shadow: var(--shadow); border: 1px solid var(--border); transition: all 0.35s;
      display: flex; flex-direction: column;
    }
    .blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
    .blog-card-image {
      height: 180px; display: flex; align-items: center; justify-content: center;
      font-size: 3.5rem; position: relative; overflow: hidden;
    }
    .blog-card-image.teal-bg { background: linear-gradient(145deg, var(--navy), #0a2a50); }
    .blog-card-image.blue-bg { background: linear-gradient(145deg, #003B73, #001f4a); }
    .blog-card-image.green-bg { background: linear-gradient(145deg, #006644, #003322); }
    .blog-card-image::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(circle at 70% 30%, rgba(0, 201, 167, 0.1), transparent 60%);
    }
    .blog-card-image .blog-emoji { position: relative; z-index: 1; }
    .blog-card-content { padding: 24px 24px 28px; flex: 1; display: flex; flex-direction: column; }
    .blog-meta { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; flex-wrap: wrap; }
    .blog-category {
      font-size: 0.68rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase;
      padding: 3px 10px; border-radius: 50px; background: var(--light-teal); color: var(--teal-dark);
    }
    .blog-category.blue { background: var(--light-blue); color: var(--mid-blue); }
    .blog-category.green { background: #e6fff6; color: #006644; }
    .blog-date { font-size: 0.75rem; color: var(--muted-text); }
    .blog-card h3 { color: var(--navy); font-size: 1.05rem; margin-bottom: 10px; line-height: 1.4; }
    .blog-card p { color: var(--muted-text); font-size: 0.87rem; line-height: 1.7; flex: 1; margin-bottom: 18px; }
    .blog-read-more {
      display: inline-flex; align-items: center; gap: 6px; color: var(--teal);
      font-size: 0.85rem; font-weight: 700; transition: gap 0.2s;
    }
    .blog-card:hover .blog-read-more { gap: 10px; }
    .blog-cta { text-align: center; }

    /* ===== NEWSLETTER ===== */
    .newsletter {
      background: linear-gradient(145deg, var(--navy) 0%, #0a1929 100%);
      padding: 80px 0; position: relative; overflow: hidden;
    }
    .newsletter::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(circle at 20% 50%, rgba(0, 201, 167, 0.07), transparent 55%),
                  radial-gradient(circle at 80% 50%, rgba(0, 82, 204, 0.07), transparent 55%);
    }
    .newsletter::after {
      content: ''; position: absolute; inset: 0;
      background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
      background-size: 50px 50px;
    }
    .newsletter .container { position: relative; z-index: 1; }
    .newsletter-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
    .newsletter-text .eyebrow { color: var(--teal); }
    .newsletter-text h2 { color: var(--white); font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 16px; }
    .newsletter-text p { color: rgba(255,255,255,0.7); font-size: 1rem; line-height: 1.8; margin-bottom: 0; }
    .newsletter-perks { display: flex; flex-direction: column; gap: 12px; margin-top: 24px; }
    .newsletter-perk { display: flex; align-items: center; gap: 12px; color: rgba(255,255,255,0.75); font-size: 0.9rem; }
    .newsletter-perk::before { content: '✓'; color: var(--teal); font-weight: 900; flex-shrink: 0; font-size: 0.85rem; background: rgba(0,201,167,0.15); width: 24px; height: 24px; border-radius: 50%; display: flex; align-items: center; justify-content: center; text-align: center; line-height: 24px; }
    .newsletter-form-wrap {
      background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
      border-radius: 24px; padding: 40px 36px;
      backdrop-filter: blur(12px);
    }
    .newsletter-form-wrap h3 { color: var(--white); font-size: 1.25rem; margin-bottom: 6px; }
    .newsletter-form-wrap .nl-sub { color: rgba(255,255,255,0.55); font-size: 0.85rem; margin-bottom: 24px; }
    .newsletter-form { display: flex; flex-direction: column; gap: 12px; }
    .newsletter-form input {
      padding: 14px 18px; border-radius: 12px; border: 1.5px solid rgba(255,255,255,0.12);
      background: rgba(255,255,255,0.07); color: var(--white);
      font-size: 0.95rem; font-family: 'Inter', sans-serif; outline: none; transition: border 0.3s;
    }
    .newsletter-form input::placeholder { color: rgba(255,255,255,0.38); }
    .newsletter-form input:focus { border-color: var(--teal); background: rgba(255,255,255,0.1); }
    .newsletter-form .nl-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
    .newsletter-form .btn { width: 100%; justify-content: center; padding: 15px; font-size: 1rem; margin-top: 4px; }
    .newsletter-privacy { color: rgba(255,255,255,0.3); font-size: 0.72rem; text-align: center; margin-top: 8px; }

    /* Responsive additions for new sections */
    @media (max-width: 1024px) {
      .investments-grid { grid-template-columns: repeat(2, 1fr); }
      .investments-intro { grid-template-columns: 1fr; }
      .newsletter-inner { grid-template-columns: 1fr; gap: 40px; }
    }
    @media (max-width: 768px) {
      .investments-grid { grid-template-columns: 1fr 1fr; }
      .blog-grid { grid-template-columns: 1fr; }
      .newsletter-form .nl-row { grid-template-columns: 1fr; }
    }
    @media (max-width: 480px) {
      .investments-grid { grid-template-columns: 1fr; }
    }

    /* ===== SCROLL TO TOP ===== */
    .scroll-top {
      position: fixed; bottom: 96px; right: 28px; width: 48px; height: 48px;
      border-radius: 14px; background: var(--teal); color: var(--navy); border: none;
      cursor: pointer; font-size: 1.1rem; display: flex; align-items: center; justify-content: center;
      opacity: 0; visibility: hidden; transition: all 0.3s; box-shadow: 0 4px 20px rgba(0, 201, 167, 0.4);
      z-index: 100;
    }
    .scroll-top.visible { opacity: 1; visibility: visible; }
    .scroll-top:hover { transform: translateY(-4px); background: var(--teal-dark); }

    /* ===== WHATSAPP FLOAT ===== */
    .wa-float {
      position: fixed; top: auto; left: auto; bottom: 28px; right: 28px;
      width: 58px; height: 58px;
      border-radius: 50%; background: #25D366; color: #fff;
      display: flex; align-items: center; justify-content: center;
      box-shadow: 0 6px 24px rgba(37, 211, 102, 0.45);
      text-decoration: none; z-index: 101;
      transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
    }
    .wa-float::before {
      content: ''; position: absolute; inset: 0; border-radius: 50%;
      box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.55);
      animation: wa-pulse 2.2s ease-out infinite;
      pointer-events: none;
    }
    .wa-float:hover { transform: translateY(-3px) scale(1.04); background: #1ebe5d;
      box-shadow: 0 10px 32px rgba(37, 211, 102, 0.6); }
    .wa-float svg { width: 32px; height: 32px; fill: #fff; position: relative; }
    .wa-tip {
      position: absolute; right: 70px; top: 50%; transform: translateY(-50%);
      background: var(--navy); color: #fff;
      padding: 7px 12px; border-radius: 10px;
      font-family: 'Montserrat', sans-serif; font-weight: 600; font-size: 0.82rem;
      white-space: nowrap; opacity: 0; pointer-events: none;
      transition: opacity 0.25s ease, transform 0.25s ease;
      box-shadow: 0 4px 16px rgba(0,0,0,0.18);
    }
    .wa-tip::after {
      content: ''; position: absolute; right: -5px; top: 50%; transform: translateY(-50%) rotate(45deg);
      width: 10px; height: 10px; background: var(--navy);
    }
    .wa-float:hover .wa-tip { opacity: 1; transform: translateY(-50%) translateX(-4px); }
    @keyframes wa-pulse {
      0%   { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.55); }
      70%  { box-shadow: 0 0 0 18px rgba(37, 211, 102, 0); }
      100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0); }
    }
    @media (max-width: 600px) {
      .wa-float { top: auto; left: auto; width: 54px; height: 54px; bottom: 20px; right: 20px; }
      .wa-float svg { width: 28px; height: 28px; }
      .scroll-top { bottom: 86px; right: 20px; width: 44px; height: 44px; }
      .wa-tip { display: none; }
    }
    @media (prefers-reduced-motion: reduce) {
      .wa-float::before { animation: none; }
    }

    /* ===== TOAST ===== */
    .submit-toast {
      position: fixed; top: 24px; left: 50%; transform: translateX(-50%);
      background: var(--green); color: var(--white); padding: 16px 24px; border-radius: 14px;
      font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 0.95rem;
      box-shadow: 0 8px 30px rgba(40, 167, 69, 0.35); z-index: 2000;
      display: flex; align-items: center; gap: 12px;
      max-width: calc(100vw - 32px);
      visibility: hidden; opacity: 0; pointer-events: none;
      transition: opacity 0.4s ease, visibility 0.4s ease;
    }
    .submit-toast.visible { visibility: visible; opacity: 1; pointer-events: auto; }
    .toast-close {
      background: rgba(255,255,255,0.2); border: none; color: var(--white);
      width: 24px; height: 24px; border-radius: 50%; cursor: pointer;
      font-size: 1rem; line-height: 1; display: flex; align-items: center;
      justify-content: center; flex-shrink: 0; padding: 0;
    }
    .toast-close:hover { background: rgba(255,255,255,0.35); }

    /* ===== ANIMATIONS ===== */
    .fade-in { opacity: 0; transform: translateY(28px); transition: all 0.65s ease; }
    .fade-in.visible { opacity: 1; transform: translateY(0); }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 1024px) {
      .hero-content { grid-template-columns: 1fr; text-align: center; gap: 44px; }
      .hero-text .subtitle { max-width: 100%; }
      .hero-buttons { justify-content: center; }
      .hero-stats { max-width: 480px; margin: 0 auto; }
      .hero-visual { order: -1; }
      .hero-card { max-width: 460px; margin: 0 auto; }
      .services-grid { grid-template-columns: repeat(2, 1fr); }
      .process-steps { grid-template-columns: repeat(2, 1fr); }
      .process-steps::before { display: none; }
      .about-content { grid-template-columns: 1fr; gap: 40px; }
      .about-image { max-width: 400px; margin: 0 auto; }
      .why-grid { grid-template-columns: repeat(2, 1fr); }
      .stats-grid { grid-template-columns: repeat(2, 1fr); }
      .stats-grid .stat-card:nth-child(2) { border-right: none; }
      .stats-grid .stat-card:nth-child(3) { border-right: 1px solid var(--border); border-top: 1px solid var(--border); }
      .stats-grid .stat-card:nth-child(4) { border-top: 1px solid var(--border); }
      .coverage-grid { grid-template-columns: 1fr; }
      .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
      .knowledge-grid { grid-template-columns: repeat(2, 1fr); }
      .contact-grid { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
      .announcement-bar { font-size: 0.8rem; }
      .trust-item { border-right: none; }
    }

    @media (max-width: 768px) {
      h1 { font-size: 1.9rem; }
      h2 { font-size: 1.6rem; }
      .section { padding: 64px 0; }
      .announcement-bar { font-size: 0.75rem; padding: 9px 16px; }
      .navbar { top: 34px; }
      .navbar.scrolled { top: 0; }
      .hero { padding-top: 104px; }
      .nav-links { display: none; }
      .nav-links.active {
        display: flex; flex-direction: column; position: absolute;
        top: 70px; left: 0; right: 0; background: var(--navy);
        padding: 24px 28px; gap: 16px; box-shadow: 0 12px 30px rgba(0,0,0,0.3);
      }
      .nav-cta { display: none; }
      .mobile-toggle { display: block; }
      .services-grid { grid-template-columns: 1fr; }
      .why-grid { grid-template-columns: 1fr; }
      .testimonials-grid { grid-template-columns: 1fr; }
      .knowledge-grid { grid-template-columns: 1fr; }
      .form-row { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr; gap: 28px; }
      .footer-bottom { flex-direction: column; text-align: center; }
      .cta-banner-buttons { flex-direction: column; align-items: center; }
      .coverage-list { grid-template-columns: 1fr; }
    }

    @media (max-width: 480px) {
      .container { padding: 0 18px; }
      h1 { font-size: 1.7rem; }
      .hero-card { padding: 26px 20px; }
      .stat-number { font-size: 2rem; }
      .hero-stat .number { font-size: 1.5rem; }
      .contact-form-wrap { padding: 26px 20px; }
    }

/* ===== ACTIVE NAV STATE (multi-page) ===== */
.nav-links a.active { color: var(--teal); position: relative; }
.nav-links a.active::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: -6px;
  height: 2px; background: var(--teal); border-radius: 2px;
}

/* ===== PAGE HEADER OFFSET (non-hero pages) ===== */
main.page-content { padding-top: 106px; }
@media (max-width: 768px) { main.page-content { padding-top: 104px; } }

/* ===== SVG ICON SYSTEM ===== */
.icon {
  display: inline-block;
  vertical-align: middle;
  flex-shrink: 0;
  line-height: 0;
}

/* Default inline icon size (text flow) */
.icon { width: 1em; height: 1em; }

/* Icon sizes inside existing chip/card containers -- fill the chip */
.trust-icon .icon,
.service-icon .icon,
.inv-icon .icon,
.inv-card-icon .icon,
.why-icon .icon,
.knowledge-icon .icon,
.contact-method-icon .icon,
.card-icon .icon,
.map-icon .icon { width: 58%; height: 58%; }

/* Ensure flex chip containers center the SVG child */
.trust-icon,
.service-icon,
.inv-icon,
.inv-card-icon,
.why-icon,
.knowledge-icon,
.contact-method-icon,
.card-icon,
.map-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

/* Blog hero-area emoji -> icon: large display */
.blog-emoji .icon { width: 64px; height: 64px; }

/* Announcement sparkle -- small, aligned with text */
.announcement .icon { width: 1.1em; height: 1.1em; margin-right: 4px; vertical-align: -0.2em; }

/* CTA button phone icon -- crisp at button font size */
.btn .icon { width: 1.15em; height: 1.15em; margin-right: 6px; vertical-align: -0.2em; }

/* Card-icon containers: tighten inner padding since SVG is its own silhouette */
.card-icon,
.trust-icon,
.why-icon,
.knowledge-icon,
.service-icon,
.inv-icon,
.inv-card-icon,
.contact-method-icon,
.map-icon { background-clip: padding-box; }

/* Remove any dark text-shadow that was applied to emoji-as-text */
.trust-icon,
.service-icon,
.inv-icon,
.inv-card-icon,
.why-icon,
.knowledge-icon,
.contact-method-icon,
.card-icon,
.map-icon { text-shadow: none \!important; }

/* ===== LEGAL / POLICY PAGES ===== */
.legal-meta {
  font-size: 0.95rem;
  color: var(--muted-text);
  margin-top: 8px;
}
.legal-content {
  max-width: 820px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px 44px;
  box-shadow: var(--shadow-sm);
  line-height: 1.7;
  color: var(--med-text);
}
.legal-content h3 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.35rem;
  color: var(--navy);
  margin-top: 28px;
  margin-bottom: 10px;
  font-weight: 700;
}
.legal-content h3:first-child { margin-top: 0; }
.legal-content h4 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 1.1rem;
  color: var(--deep-blue);
  margin-top: 20px;
  margin-bottom: 8px;
  font-weight: 600;
}
.legal-content p {
  margin-bottom: 14px;
}
.legal-content ul {
  margin: 0 0 18px 1.25rem;
  padding-left: 0.5rem;
}
.legal-content ul li {
  margin-bottom: 8px;
}
.legal-content a {
  color: var(--mid-blue);
  border-bottom: 1px solid rgba(0, 82, 204, 0.25);
}
.legal-content a:hover {
  color: var(--deep-blue);
  border-bottom-color: var(--deep-blue);
}
.legal-content strong { color: var(--dark-text); }
@media (max-width: 720px) {
  .legal-content { padding: 28px 22px; }
  .legal-content h3 { font-size: 1.2rem; }
}


/* ===== SKIP-TO-MAIN-CONTENT (a11y) ===== */
.skip-link {
  position: absolute;
  top: -48px;
  left: 0;
  background: var(--navy);
  color: #fff;
  padding: 10px 18px;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  letter-spacing: 0.3px;
  text-decoration: none;
  border-radius: 0 0 8px 0;
  z-index: 10000;
  transition: top 0.2s;
}
.skip-link:focus {
  top: 0;
  outline: 3px solid var(--teal);
  outline-offset: 2px;
}

/* Citation source (small inline source link below stats) */
.stat-source {
  display: inline-block;
  font-size: 0.65rem;
  color: var(--muted-text);
  margin-top: 6px;
  text-decoration: underline;
  letter-spacing: 0.3px;
}
.stat-source:hover { color: var(--teal-dark); }

/* ===== BLOG ARTICLE PAGES ===== */
.article-hero {
  padding: 80px 0 36px;
  background: linear-gradient(180deg, #F4F6FA 0%, #fff 100%);
  border-bottom: 1px solid var(--border);
}
.article-back {
  display: inline-block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--muted-text);
  margin-bottom: 16px;
  text-decoration: none;
}
.article-back:hover { color: var(--teal-dark); }
.article-meta {
  display: flex; gap: 14px; align-items: center; flex-wrap: wrap;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.4px;
  color: var(--muted-text);
  margin-bottom: 18px;
}
.article-meta .blog-category {
  background: var(--light-teal);
  color: var(--teal-dark);
  padding: 4px 10px;
  border-radius: 12px;
  text-transform: uppercase;
}
.article-meta .blog-category.blue { background: var(--light-blue); color: var(--mid-blue); }
.article-meta .blog-category.gold { background: var(--gold-light); color: var(--gold-dark); }
.article-meta time, .article-reading { text-transform: uppercase; }
.article-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(28px, 4.5vw, 42px);
  font-weight: 800;
  line-height: 1.18;
  color: var(--navy);
  margin-bottom: 18px;
  max-width: 820px;
}
.article-lede {
  font-size: 1.18rem;
  color: var(--med-text);
  line-height: 1.6;
  max-width: 740px;
  margin-bottom: 32px;
}
.article-author {
  display: flex; align-items: center; gap: 12px;
  padding-top: 22px;
  border-top: 1px solid var(--border);
}
.article-author .author-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  object-fit: cover;
  background: var(--light-teal);
}
.article-author .author-name {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.95rem;
}
.article-author .author-title {
  font-size: 0.82rem;
  color: var(--muted-text);
}

.article-body {
  max-width: 740px;
  margin: 56px auto 80px;
  padding: 0 20px;
  font-size: 1.02rem;
  line-height: 1.78;
  color: var(--med-text);
}
.article-body h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--navy);
  margin: 44px 0 14px;
  line-height: 1.3;
}
.article-body h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.18rem;
  font-weight: 700;
  color: var(--deep-blue);
  margin: 30px 0 10px;
}
.article-body p { margin-bottom: 18px; }
.article-body ul, .article-body ol {
  margin: 0 0 22px 1.25rem;
  padding-left: 0.5rem;
}
.article-body li { margin-bottom: 10px; }
.article-body strong { color: var(--dark-text); }
.article-body a {
  color: var(--mid-blue);
  border-bottom: 1px solid rgba(0, 82, 204, 0.25);
}
.article-body a:hover {
  color: var(--deep-blue);
  border-bottom-color: var(--deep-blue);
}
.article-body blockquote {
  border-left: 4px solid var(--teal);
  padding: 4px 0 4px 20px;
  margin: 26px 0;
  color: var(--navy);
  font-style: italic;
  font-size: 1.08rem;
}
.article-callout {
  background: var(--light-teal);
  border-left: 4px solid var(--teal-dark);
  padding: 20px 24px;
  border-radius: 0 12px 12px 0;
  margin: 26px 0;
}
.article-callout-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: var(--teal-dark);
  font-size: 0.78rem;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.article-disclaimer {
  margin-top: 40px;
  padding: 20px;
  background: var(--light-gray);
  border-radius: 12px;
  font-size: 0.88rem;
  color: var(--muted-text);
  line-height: 1.6;
}
.article-disclaimer strong { color: var(--med-text); }

.article-related {
  background: #F4F6FA;
  padding: 60px 0;
  border-top: 1px solid var(--border);
}
.article-related h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 24px;
}
.article-related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 18px;
}
.article-related-card {
  background: var(--white);
  padding: 22px;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  transition: all 0.25s;
}
.article-related-card:hover {
  border-color: var(--teal);
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}
.article-related-card .blog-category {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--teal-dark);
  margin-bottom: 8px;
  display: inline-block;
}
.article-related-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1.3;
}
.article-related-card p {
  color: var(--muted-text);
  font-size: 0.9rem;
  line-height: 1.5;
  margin-bottom: 0;
}


/* ===== INTRO VIDEO SECTION ===== */
.intro-video-section {
  padding: 70px 0;
  background: linear-gradient(180deg, #fff 0%, var(--light-gray) 100%);
}
.intro-video-wrap {
  max-width: 880px;
  margin: 36px auto 0;
  padding: 0 20px;
  text-align: center;
}
.intro-video {
  width: 100%;
  height: auto;
  border-radius: var(--radius);
  background: #000;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 16 / 9;
  object-fit: cover;
}
.intro-video-cta {
  margin-top: 18px;
  font-size: 0.95rem;
  color: var(--muted-text);
}
.intro-video-cta a {
  color: var(--mid-blue);
  font-weight: 600;
}
.intro-video-cta a:hover { color: var(--deep-blue); }

/* ===== DIME CALCULATOR ===== */
.calc-section { padding: 60px 0; background: var(--light-gray); }
.calc-wrap {
  max-width: 1040px;
  margin: 0 auto;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.calc-form-side, .calc-result-side {
  padding: 36px 32px;
}
.calc-form-side { border-right: 1px solid var(--border); }
.calc-result-side { background: linear-gradient(135deg, var(--deep-blue) 0%, var(--navy) 100%); color: #fff; }
.calc-result-side h3 { color: #fff !important; }
.calc-result-side .calc-result-label { color: rgba(255,255,255,0.7); }
.calc-result-side .calc-result-value { color: #fff; }
.calc-result-side .calc-recommended-value { color: var(--teal) !important; }
.calc-form-side h3, .calc-result-side h3 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1.35rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.calc-form-side .calc-sub, .calc-result-side .calc-sub {
  font-size: 0.92rem;
  margin-bottom: 24px;
  color: var(--muted-text);
}
.calc-result-side .calc-sub { color: rgba(255,255,255,0.75); }
.calc-field {
  margin-bottom: 16px;
}
.calc-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--med-text);
  margin-bottom: 4px;
  font-family: 'Montserrat', sans-serif;
}
.calc-field .calc-hint {
  display: block;
  font-size: 0.75rem;
  color: var(--muted-text);
  margin-top: 3px;
  font-weight: 400;
  font-family: 'Inter', sans-serif;
}
.calc-input-row {
  display: flex; align-items: center;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  background: #fff;
  transition: border-color 0.2s;
}
.calc-input-row:focus-within { border-color: var(--teal); }
.calc-input-row .calc-prefix {
  padding: 0 10px 0 12px;
  color: var(--muted-text);
  font-weight: 600;
  font-family: 'Montserrat', sans-serif;
}
.calc-input-row input[type="number"] {
  flex: 1;
  border: 0;
  outline: 0;
  padding: 12px 12px 12px 0;
  font-size: 1rem;
  font-family: inherit;
  background: transparent;
}
.calc-result-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  font-family: 'Montserrat', sans-serif;
}
.calc-result-row:last-of-type { border-bottom: 0; }
.calc-result-label { font-size: 0.88rem; color: var(--med-text); }
.calc-result-value { font-weight: 700; color: var(--navy); font-size: 1rem; }
.calc-result-divider {
  margin: 18px 0 12px;
  border-top: 2px solid rgba(255,255,255,0.2);
}
.calc-recommended {
  margin-top: 18px;
  padding: 22px;
  background: rgba(0, 201, 167, 0.10);
  border: 2px solid var(--teal);
  border-radius: 12px;
  text-align: center;
}
.calc-recommended-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 4px;
}
.calc-recommended-value {
  font-family: 'Montserrat', sans-serif;
  font-size: 2.4rem;
  font-weight: 900;
  color: var(--teal) !important;
  letter-spacing: -1px;
  margin-bottom: 6px;
}
.calc-recommended-note {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.78);
  line-height: 1.5;
}
.calc-cta-row {
  margin-top: 22px;
  display: flex; gap: 10px; flex-wrap: wrap;
}
.calc-cta-row .btn { flex: 1; }
.calc-disclaimer {
  margin-top: 28px;
  padding: 16px;
  background: var(--light-gray);
  border-radius: 10px;
  font-size: 0.82rem;
  color: var(--muted-text);
  line-height: 1.55;
}
@media (max-width: 720px) {
  .calc-wrap { grid-template-columns: 1fr; }
  .calc-form-side { border-right: 0; border-bottom: 1px solid var(--border); }
  .calc-form-side, .calc-result-side { padding: 28px 22px; }
}


/* ===== GLOSSARY ===== */
.glossary-jump {
  display: flex; flex-wrap: wrap; gap: 8px; justify-content: center;
  padding: 10px 0 20px;
}
.glossary-jump a {
  display: inline-block;
  padding: 6px 12px;
  border: 1.5px solid var(--border);
  border-radius: 20px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.78rem;
  color: var(--navy);
  letter-spacing: 0.5px;
  background: #fff;
  transition: all 0.2s;
}
.glossary-jump a:hover { border-color: var(--teal); color: var(--teal-dark); }
.glossary-section {
  max-width: 820px;
  margin: 0 auto;
  padding: 30px 20px;
}
.glossary-letter {
  font-family: 'Montserrat', sans-serif;
  font-size: 2.1rem;
  font-weight: 900;
  color: var(--teal-dark);
  margin: 30px 0 8px;
  scroll-margin-top: 100px;
}
.glossary-term {
  margin-bottom: 22px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border);
}
.glossary-term:last-child { border-bottom: 0; }
.glossary-term h3 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.glossary-term p {
  color: var(--med-text);
  line-height: 1.7;
  margin-bottom: 6px;
}
.glossary-term .glossary-related {
  font-size: 0.82rem;
  color: var(--muted-text);
}
.glossary-term .glossary-related a {
  color: var(--mid-blue);
  text-decoration: underline;
}

/* ===== PRODUCT / CITY / COMPARISON PAGES (shared "long form" page styles) ===== */
.lf-hero {
  padding: 70px 0 30px;
  background: linear-gradient(180deg, #F4F6FA 0%, #fff 100%);
}
.lf-hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(28px, 4.5vw, 44px);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.18;
  margin-bottom: 14px;
  max-width: 820px;
}
.lf-hero p.lede {
  font-size: 1.15rem;
  color: var(--med-text);
  max-width: 740px;
  margin-bottom: 22px;
  line-height: 1.6;
}
.lf-hero .lf-hero-row { display: flex; gap: 12px; flex-wrap: wrap; }
.lf-body {
  max-width: 820px;
  margin: 30px auto 60px;
  padding: 0 20px;
  font-size: 1.02rem;
  line-height: 1.78;
  color: var(--med-text);
}
.lf-body h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  margin: 38px 0 12px;
  line-height: 1.3;
}
.lf-body h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--deep-blue);
  margin: 24px 0 8px;
}
.lf-body p { margin-bottom: 14px; }
.lf-body ul, .lf-body ol { margin: 0 0 18px 1.25rem; padding-left: 0.5rem; }
.lf-body li { margin-bottom: 8px; }
.lf-body strong { color: var(--dark-text); }
.lf-body a { color: var(--mid-blue); border-bottom: 1px solid rgba(0,82,204,0.25); }
.lf-body a:hover { color: var(--deep-blue); }

.lf-feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 14px;
  margin: 22px 0;
}
.lf-feature {
  background: #fff;
  padding: 20px;
  border: 1.5px solid var(--border);
  border-radius: 12px;
}
.lf-feature h4 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 6px;
}
.lf-feature p { font-size: 0.92rem; color: var(--muted-text); margin: 0; line-height: 1.55; }

.lf-cta {
  background: var(--light-teal);
  border-left: 4px solid var(--teal);
  padding: 22px;
  border-radius: 0 12px 12px 0;
  margin: 28px 0;
}
.lf-cta-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: var(--teal-dark);
  font-size: 0.78rem;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.lf-cta p { margin: 0; color: var(--med-text); }
.lf-cta a { color: var(--mid-blue); font-weight: 600; }

/* Comparison table */
.lf-table-wrap { overflow-x: auto; margin: 22px 0; }
.lf-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.lf-table thead th {
  background: var(--navy);
  color: #fff;
  padding: 12px 14px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  letter-spacing: 0.4px;
}
.lf-table tbody td {
  padding: 12px 14px;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}
.lf-table tbody tr:nth-child(even) td { background: var(--light-gray); }
.lf-table tbody tr:hover td { background: var(--light-teal); }
.lf-table .lf-yes { color: var(--green); font-weight: 700; }
.lf-table .lf-no { color: var(--muted-text); }
.lf-table th:first-child, .lf-table td:first-child {
  font-weight: 700;
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  white-space: nowrap;
}


/* ===== HERO LANGUAGE SWITCHER (DRAFT — review by native speaker) ===== */
.hero-lang-switch {
  display: inline-flex;
  gap: 4px;
  background: rgba(255, 255, 255, 0.85);
  border: 1px solid var(--border);
  padding: 4px;
  border-radius: 22px;
  margin-bottom: 16px;
  backdrop-filter: blur(6px);
}
.hero-lang-switch button {
  background: transparent;
  border: 0;
  padding: 6px 14px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--muted-text);
  border-radius: 18px;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.4px;
}
.hero-lang-switch button:hover { color: var(--navy); }
.hero-lang-switch button.active {
  background: var(--teal-dark);
  color: #fff;
}
.hero-lang-switch button[lang="pa"], .hero-lang-switch button[lang="hi"] {
  font-family: 'Inter', 'Noto Sans', sans-serif;
}