/*
Theme Name: VMT Enterprises
Theme URI: https://vmtenterprises.com
Author: VMT Enterprises
Description: Professional financial services theme for VMT Enterprises — Mutual Funds, Insurance, Corporate Risk, NRI Services.
Version: 1.0.0
Text Domain: vmt-enterprises
*/
/* ================================================================
   VMT Enterprises v5 — "Midnight Teak & Gold"
   Premium warm-charcoal theme — trust, authority, sophistication.
   Gold accents: classic rich gold (not orange-amber).
   No blue or indigo. Warm cream text. Private-banking aesthetic.
   ================================================================ */

/* ── 0. Design Tokens ─────────────────────────────────────────── */
:root {
  /* ── Premium charcoal bases (semantic) ── */
  --lux-bg-deep: #05264E;
  --lux-bg-main: #05264E;
  --lux-bg-surface: #05264E;
  --lux-bg-card: #0e3769;
  --lux-bg-raised: #2D2922;

  /* Legacy background aliases → luxury tokens */
  --bg-000: var(--lux-bg-deep);
  --bg-100: var(--lux-bg-main);
  --bg-200: var(--lux-bg-surface);
  --bg-300: var(--lux-bg-card);
  --bg-400: var(--lux-bg-raised);
  --bg-500: #38342C;

  /* ── Readable cream surfaces ── */
  --cream-000: #FBF7EE;
  --cream-100: #F6F0E4;
  --cream-200: #EFE4D2;
  --cream-300: #E3D4B8;

  /* ── Ink palette (light sections / tables) ── */
  --ink-900: #17130E;
  --ink-800: #241E16;
  --ink-700: #3A3125;
  --ink-600: #5D5143;
  --ink-500: #7B6E5D;

  /* ── Gold accents (never dominant backgrounds) ── */
  --gold-soft: #EDD08A;
  --gold-main: #D4AC52;
  --gold-rich: #B8922E;
  --gold-deep: #7A5E14;
  --gold-300: var(--gold-soft);
  --gold-400: var(--gold-main);
  --gold-500: var(--gold-rich);
  --gold-600: #9A7720;
  --gold-700: var(--gold-deep);
  --gold-glow: rgba(184,146,46,0.18);

  /* Emerald — forest of Bharat */
  --green-300: #6EE7B7;
  --green-400: #34D399;
  --green-500: #10B981;
  --green-600: #059669;

  /* Saffron — spirit of Bharat */
  --saffron-400: #F97316;
  --saffron-500: #EA580C;

  /* ── Status (tables, chips) ── */
  --success-main: #10B981;
  --success-soft: rgba(16,185,129,0.10);
  --danger-main: #DC2626;
  --danger-soft: rgba(220,38,38,0.10);
  --warning-main: #EA580C;
  --warning-soft: rgba(234,88,12,0.10);

  /* Text — dark sections: headings t0 · body prefer t1/t2 (avoid t3 for paragraphs) */
  --t0: #F6F2E8;
  --t1: #DDD4C4;
  --t2: #A69886;
  --t3: #7D7468;

  /* Borders */
  --b-gold:       rgba(184,146,46,0.16);
  --b-gold-h:     rgba(184,146,46,0.42);
  --b-subtle:     rgba(246,242,232,0.08);
  --b-subtle-h:   rgba(246,242,232,0.16);

  /* Shadows — warm dark base */
  --sh-card:      0 4px 32px rgba(13,11,9,0.65), 0 1px 0 rgba(184,146,46,0.08) inset;
  --sh-hover:     0 12px 64px rgba(13,11,9,0.88), 0 0 48px rgba(184,146,46,0.16);
  --sh-glow-gold: 0 0 60px rgba(184,146,46,0.24);

  /* Radius */
  --r-sm: 8px;  --r-md: 12px;  --r-lg: 16px;
  --r-xl: 24px; --r-2xl: 32px; --r-pill: 999px;

  /* Typography */
  --fd: 'Cormorant Garamond', Georgia, serif;
  --fb: 'DM Sans', system-ui, -apple-system, sans-serif;
  --fs: 'Fraunces', Georgia, serif;

  /* Spacing */
  --s1: 4px; --s2: 8px; --s3: 12px; --s4: 16px; --s5: 20px;
  --s6: 24px; --s7: 32px; --s8: 48px; --s9: 64px; --s10: 96px;

  /* Layout */
  --header-h: 76px;
  --max-w: 1200px;
  --dur: 0.30s;
  --ease: cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

/* ── 1. Reset & Base ──────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; overflow-x: hidden; }
body {
  font-family: var(--fb);
  background: var(--bg-100);
  color: var(--t0);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
ul { list-style: none; }

/* ── 2. Typography ────────────────────────────────────────────── */
h1,h2,h3,h4,h5,h6 {
  font-family: var(--fd);
  color: var(--t0);
  line-height: 1.08;
  font-weight: 600;
  letter-spacing: -0.015em;
}
h1 { font-size: clamp(42px, 6.5vw, 82px); }
h2 { font-size: clamp(32px, 4.5vw, 56px); }
h3 { font-size: clamp(22px, 3vw, 32px); }
h4 { font-size: clamp(18px, 2.2vw, 22px); }
h5 { font-family: var(--fb); font-size: 15px; font-weight: 700; letter-spacing: 0.01em; }
p  { color: var(--t1); line-height: 1.75; margin-bottom: var(--s4); font-size: 16px; }
p:last-child { margin-bottom: 0; }
em { font-style: italic; }
strong { font-weight: 700; color: var(--t0); }

/* v5: Gold text — classic warm gold gradient, NO cursive */
.gold-text {
  background: linear-gradient(135deg, var(--gold-300) 0%, var(--gold-400) 45%, var(--gold-500) 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
  font-style: normal !important;
}
em.gold-text { font-style: normal !important; }
.green-text { color: var(--green-400); }
.muted { color: var(--t2); }
.small { font-size: 13px; }
.text-center { text-align: center; }
.text-right  { text-align: right; }

/* ── 3. Layout Utilities ──────────────────────────────────────── */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 clamp(var(--s5), 4vw, var(--s8));
}
.section { padding: clamp(72px, 10vw, 128px) 0; position: relative; }
.section-inner { position: relative; z-index: 1; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s7); }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--s6); }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: var(--s5); }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-center  { display: flex; align-items: center; justify-content: center; }
.gap-4 { gap: var(--s4); } .gap-5 { gap: var(--s5); } .gap-6 { gap: var(--s6); }

/* Section backgrounds */
.bg-deeper  { background: var(--bg-000); }
.bg-surface { background: var(--bg-200); }
.bg-raised  { background: var(--bg-300); }

/* Warm cream readability band (~30–35% of layout) */
.section-cream {
  background: var(--cream-100);
  color: var(--ink-700);
}
.section-cream h1,
.section-cream h2,
.section-cream h3,
.section-cream h4,
.section-cream h5,
.section-cream h6 { color: var(--ink-900); }
.section-cream .gold-text,
.section-cream h1 .gold-text,
.section-cream h2 .gold-text,
.section-cream h3 .gold-text {
  color: transparent;
  background: linear-gradient(135deg, var(--gold-main) 0%, var(--gold-rich) 50%, var(--gold-deep) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.section-cream p { color: var(--ink-700); }
.section-cream .sec-head p { color: var(--ink-700); }
.section-cream .muted,
.section-cream .faq-body,
.section-cream .faq-body p { color: var(--t2); }
.section-cream .small { color: var(--ink-500); }
.section-cream .stat-card .sl { color: var(--ink-600); }
.section-cream .stat-card .ss { color: var(--ink-500); }
.section-cream .feat-item h5 { color: var(--ink-900); }
.section-cream .feat-item p { color: var(--ink-600); }

/* Light cards on cream */
.card-light {
  background: var(--cream-000);
  color: var(--ink-900);
  border: 1px solid rgba(184,146,46,0.18);
  box-shadow: 0 12px 40px rgba(36,30,22,0.08);
}
.card-light h3,
.card-light h4,
.card-light h5 { color: var(--t0); }
.card-light p,
.card-light .muted {     color: var(--t2);}
.card-light .sc-icon {
  background: rgba(184,146,46,0.10);
  border-color: rgba(184,146,46,0.22);
}
.card-light::before {
  background: linear-gradient(90deg, transparent 0%, var(--gold-rich) 50%, transparent 100%);
}
.section-cream .service-card .sc-link { color: var(--gold-main); }
.section-cream .service-card ul { font-size: 13.5px; color: var(--t2); display: flex; flex-direction: column; gap: 8px; margin-top: var(--s5); }

/* NRI teaser / subtle highlight card on cream */
.card-nri-teaser {
  margin-top: var(--s6);
  background: var(--cream-000);
  border-color: rgba(184,146,46,0.22);
  box-shadow: 0 12px 40px rgba(36,30,22,0.07);
}

/* ── 4. Section Header Pattern ────────────────────────────────── */
.sec-tag {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--fb); font-size: 11.5px; font-weight: 700;
  letter-spacing: 0.20em; text-transform: uppercase;
  color: var(--gold-400); margin-bottom: var(--s5);
}
.sec-tag::before {
  content: ''; display: block; width: 28px; height: 1px; background: var(--gold-500);
}
.sec-head { margin-bottom: var(--s8); }
.sec-head h2 { margin-bottom: var(--s5); }
.sec-head p  { color: var(--t2); max-width: 620px; font-size: 16.5px; }
.sec-head.center { text-align: center; }
.sec-head.center p { margin: 0 auto; }
.sec-head.center .sec-tag { margin: 0 auto var(--s5); }

/* ── 5. Scroll Progress Bar ───────────────────────────────────── */
#scroll-progress {
  position: fixed; top: 0; left: 0; height: 2px; z-index: 999;
  background: linear-gradient(90deg, var(--saffron-500), var(--gold-400), var(--gold-300));
  width: 0%; transition: width 0.1s linear;
  box-shadow: 0 0 8px rgba(184,146,46,0.65);
}

/* ── 6. Header / Navigation ───────────────────────────────────── */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  height: var(--header-h);
  display: flex; align-items: center;
  background: #0e3769;
  -webkit-backdrop-filter: blur(16px) saturate(145%);
  backdrop-filter: blur(16px) saturate(145%);
  transition: background var(--dur) var(--ease), backdrop-filter var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.site-header::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg,
    var(--saffron-500) 33.3%,
    rgba(245,240,232,0.6) 33.3% 66.6%,
    var(--green-500) 66.6%
  );
  z-index: 1;
}
.site-header.scrolled {
 background: #0e3769;
  -webkit-backdrop-filter: blur(22px) saturate(165%);
  backdrop-filter: blur(22px) saturate(165%);
  box-shadow: 0 1px 0 var(--b-gold), 0 4px 40px rgba(13,11,9,0.72);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  width: 100%; gap: var(--s6);
}
.brand {
  display: flex; align-items: center; gap: var(--s3); flex-shrink: 0;
  font-family: var(--fd); font-size: 20px; font-weight: 600; color: var(--t0);
  letter-spacing: -0.01em;
}
.brand small {
  display: block; font-family: var(--fb); font-size: 10.5px;
  font-weight: 500; letter-spacing: 0.10em; text-transform: uppercase;
  color: var(--gold-400); margin-top: 1px;
}
.nav-links {
  display: flex; align-items: center; gap: 2px;
}
.nav-links a {
  font-size: 13px; font-weight: 500;
  color: rgba(251, 247, 238, 0.78);
  padding: 7px 11px; border-radius: var(--r-sm);
  transition: color var(--dur) var(--ease), background var(--dur) var(--ease);
  white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--cream-000); background: var(--bg-300);
}
.nav-links a.active { color: var(--gold-soft); }
.nav-cta { display: flex; align-items: center; gap: var(--s3); }

/* ── Nav Dropdown ─────────────────────────────────────────────── */
.nav-dropdown {
  position: relative;
}
.nav-dropdown-toggle {
  display: flex; align-items: center; gap: 5px;
  font-size: 13px; font-weight: 500;
  color: rgba(251, 247, 238, 0.78);
  padding: 7px 11px; border-radius: var(--r-sm);
  transition: color var(--dur) var(--ease), background var(--dur) var(--ease);
  white-space: nowrap; cursor: pointer;
}
.nav-dropdown-toggle:hover,
.nav-dropdown:hover .nav-dropdown-toggle {
  color: var(--cream-000); background: var(--bg-300);
}
.dropdown-chevron {
  transition: transform 0.22s ease;
  flex-shrink: 0;
}
.nav-dropdown:hover .dropdown-chevron {
  transform: rotate(180deg);
}
.nav-dropdown-menu {
  position: absolute; top: calc(100% + 6px); left: 0;
  min-width: 210px;
  background: var(--bg-100);
  border: 1px solid var(--b-gold);
  border-radius: var(--r-sm);
  box-shadow: 0 12px 40px rgba(0,0,0,0.45);
  -webkit-backdrop-filter: blur(20px); backdrop-filter: blur(20px);
  padding: 6px;
  opacity: 0; visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
  z-index: 200;
}
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-dropdown-menu a {
  display: block;
  font-size: 13px; font-weight: 500;
  color: rgba(251, 247, 238, 0.78);
  padding: 9px 14px;
  border-radius: calc(var(--r-sm) - 2px);
  transition: color var(--dur) var(--ease), background var(--dur) var(--ease);
  white-space: nowrap;
}
.nav-dropdown-menu a:hover {
  color: var(--gold-soft); background: var(--bg-300);
}

@media (max-width: 920px) {
  .nav-dropdown { width: 100%; }
  .nav-dropdown-toggle {
    width: 100%; padding: 14px var(--s5); font-size: 16px;
    justify-content: space-between;
  }
  .nav-dropdown-menu {
    position: static;
    opacity: 1; visibility: visible; transform: none;
    background: rgba(255,255,255,0.04);
    border: none; border-radius: 0;
    box-shadow: none; backdrop-filter: none;
    padding: 0 0 4px var(--s5);
    display: none;
  }
  .nav-dropdown.open .nav-dropdown-menu { display: block; }
  .nav-dropdown.open .dropdown-chevron { transform: rotate(180deg); }
  .nav-dropdown-menu a { font-size: 14px; padding: 11px var(--s5); }
}

/* Nav Toggle */
.nav-toggle {
  display: none; width: 44px; height: 44px;
  background: rgba(245,240,232,0.05); border: 1px solid var(--b-subtle);
  border-radius: var(--r-sm);
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  display: block; width: 20px; height: 1.5px;
  background: var(--t1); border-radius: 2px;
  transition: all 0.25s ease; margin: 0 auto;
}
.nav-toggle span::before { content: ''; margin-top: -6px; }
.nav-toggle span::after  { content: ''; margin-top: 4px; }

@media (max-width: 920px) {
  .nav-toggle { display: flex; align-items: center; justify-content: center; }
  .nav-links {
    display: none; position: fixed; top: var(--header-h); left: 0; right: 0;
    background: var(--bg-100); border-bottom: 1px solid var(--b-gold);
    -webkit-backdrop-filter: blur(20px); backdrop-filter: blur(20px);
    flex-direction: column; padding: var(--s6); gap: 2px;
    z-index: 99;
  }
  .nav-links.open { display: flex; }
  .nav-links a { width: 100%; padding: 14px var(--s5); font-size: 16px; }
  .nav-cta .btn { display: none; }
}

/* ── 7. Buttons ───────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--s3);
  font-family: var(--fb); font-size: 14px; font-weight: 600;
  padding: 13px 26px; border-radius: var(--r-sm); border: 1px solid transparent;
  cursor: pointer; transition: all var(--dur) var(--ease);
  white-space: nowrap; text-decoration: none;
}
.btn-gold {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  color: #fff; border-color: var(--gold-500);
  box-shadow: 0 4px 20px rgba(184,146,46,0.36);
}
.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  box-shadow: 0 6px 32px rgba(184,146,46,0.50);
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent; color: var(--t1); border-color: var(--b-subtle-h);
}
.btn-outline:hover {
  background: rgba(245,240,232,0.06); color: var(--t0); border-color: var(--b-subtle-h);
}
.btn-gold-outline {
  background: transparent; color: var(--gold-300); border-color: var(--b-gold-h);
}
.btn-gold-outline:hover {
  background: rgba(184,146,46,0.09); color: var(--gold-300);
}
.btn-green {
  background: var(--green-600); color: #fff; border-color: var(--green-600);
  box-shadow: 0 4px 16px rgba(5,150,105,0.32);
}
.btn-green:hover { background: var(--green-500); transform: translateY(-1px); }
.btn-lg { padding: 15px 32px; font-size: 15px; }
.btn-sm { padding: 9px 18px; font-size: 13px; }

/* ── 8. Cards ─────────────────────────────────────────────────── */
.card {
  background: var(--lux-bg-card);
  border: 1px solid rgba(184,146,46,0.18);
  border-radius: var(--r-xl); padding: var(--s8);
  box-shadow: var(--sh-card);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease), transform var(--dur) var(--ease);
  position: relative; overflow: hidden;
}
.card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent 0%, var(--gold-500) 50%, transparent 100%);
  opacity: 0.40;
}
.card:hover {
  border-color: var(--b-gold-h); box-shadow: var(--sh-hover); transform: translateY(-4px);
}
.card-sm { padding: var(--s6); }
.card-lg { padding: clamp(var(--s7), 5vw, 64px); }

/* Service cards */
.service-card .sc-icon {
  width: 56px; height: 56px; border-radius: var(--r-md);
  background: rgba(184,146,46,0.10); border: 1px solid var(--b-gold);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: var(--s6); font-size: 24px;
}
.service-card h3 { margin-bottom: var(--s4); }
.service-card .sc-link {
  display: inline-flex; align-items: center; gap: 8px;
  margin-top: var(--s6); font-size: 14px; font-weight: 600;
  color: var(--gold-400); transition: gap var(--dur) var(--ease), color var(--dur) var(--ease);
}
.service-card:hover .sc-link { gap: 14px; color: var(--gold-300); }
.service-card .sc-link::after { content: '→'; }

/* Stat cards */
.stat-card {
  background: var(--lux-bg-card);
  border: 1px solid rgba(184,146,46,0.18);
  border-radius: var(--r-lg); padding: var(--s6);
  box-shadow: var(--sh-card);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.stat-card:hover { border-color: var(--b-gold-h); box-shadow: var(--sh-hover); }
.stat-card .sv {
  font-family: var(--fs); font-size: clamp(26px, 3.5vw, 38px);
  font-weight: 700; line-height: 1;
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.stat-card .sl { font-size: 13px; font-weight: 600; color: var(--t2); margin-top: 6px; letter-spacing: 0.04em; }
.stat-card .ss { font-size: 11.5px; color: var(--t2); margin-top: 3px; opacity: 0.92; }

/* ── Team Placeholder (About page) ───────────────────────────── */
.team-placeholder {
  display: flex; align-items: center; justify-content: center;
  font-size: 64px;
  width: 100%; aspect-ratio: 4/3;
  background: var(--bg-300);
  border: 1px solid var(--b-subtle);
  border-radius: var(--r-xl);
  margin-bottom: var(--s5);
}

/* ── 9. Range Sliders ─────────────────────────────────────────── */
input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 3px; border-radius: var(--r-pill); outline: none; cursor: pointer;
  background: linear-gradient(90deg, var(--gold-500) 0%, var(--gold-500) var(--val,30%), rgba(245,240,232,0.10) var(--val,30%));
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%;
  background: var(--gold-400); border: 2px solid var(--bg-300);
  box-shadow: 0 0 0 4px rgba(184,146,46,0.18), var(--sh-card);
  cursor: pointer; transition: box-shadow 0.15s ease;
}
input[type="range"]::-webkit-slider-thumb:hover {
  box-shadow: 0 0 0 7px rgba(184,146,46,0.26), var(--sh-card);
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--gold-400); border: 2px solid var(--bg-300);
  box-shadow: 0 0 0 4px rgba(184,146,46,0.18); cursor: pointer;
}
.field { margin-bottom: var(--s6); }
.field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 13.5px; font-weight: 600; color: var(--t2);
  letter-spacing: 0.02em; margin-bottom: var(--s3);
}
.field label b { color: var(--gold-300); font-family: var(--fb); font-size: 15px; }

/* ── 10. Calculator ───────────────────────────────────────────── */
.calc-shell {
  background: var(--lux-bg-card);
  border: 1px solid rgba(184,146,46,0.18);
  border-radius: var(--r-2xl); overflow: hidden;
  box-shadow: var(--sh-card);
}
.calc-tabs {
  display: flex; border-bottom: 1px solid rgba(184,146,46,0.18);
  background: var(--lux-bg-surface);
}
.calc-tab {
  flex: 1; padding: 16px var(--s5); font-size: 13.5px; font-weight: 600;
  color: var(--t2); background: none; border: none; cursor: pointer;
  border-bottom: 2px solid transparent; margin-bottom: -1px;
  transition: color var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.calc-tab.active { color: var(--gold-300); border-bottom-color: var(--gold-400); }
.calc-panel { display: none; }
.calc-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 0; }
.calc-inputs { padding: var(--s8); border-right: 1px solid var(--b-subtle); }
.calc-results {
  padding: var(--s8); background: var(--bg-400);
  display: flex; flex-direction: column; justify-content: center; gap: var(--s5);
}
.res-row { padding: var(--s5) 0; border-bottom: 1px solid var(--b-subtle); }
.res-row:last-of-type { border-bottom: none; }
.res-label { font-size: 12.5px; font-weight: 600; color: var(--t2); letter-spacing: 0.06em; text-transform: uppercase; opacity: 0.92; margin-bottom: 6px; }
.res-value {
  font-family: var(--fs); font-size: clamp(20px, 2.8vw, 28px);
  font-weight: 700; color: var(--t0);
}
.res-value.highlight {
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; font-size: clamp(24px, 3.5vw, 36px);
}
.calc-disclaimer {
  font-size: 11.5px; color: var(--t2); opacity: 0.9; padding: var(--s4) var(--s8);
  border-top: 1px solid var(--b-subtle); background: var(--lux-bg-surface);
}

/* ── 10b. Light calculators & cream tool sections ─────────────── */
.section.section-calc-light {
  background: var(--cream-100);
  color: var(--ink-700);
}
.section.section-calc-light .sec-head h2 { color: var(--ink-900); }
.section.section-calc-light .sec-head p { color: var(--ink-700); }

.calc-shell.calc-card-light {
  background: var(--cream-000);
  border: 1px solid rgba(184,146,46,0.22);
  box-shadow: 0 12px 44px rgba(36,30,22,0.08);
}
.calc-shell.calc-card-light .calc-tabs {
  background: var(--cream-200);
  border-bottom-color: rgba(184,146,46,0.22);
}
.calc-shell.calc-card-light .calc-tab { color: var(--ink-600); }
.calc-shell.calc-card-light .calc-tab.active {
  color: var(--gold-rich);
  border-bottom-color: var(--gold-main);
}
.calc-shell.calc-card-light .calc-inputs {
  background: var(--cream-000);
  border-right-color: rgba(184,146,46,0.14);
}
.calc-shell.calc-card-light .field label { color: var(--ink-600); }
.calc-shell.calc-card-light .field label b {
  color: var(--gold-rich);
  font-family: var(--fb);
}
.calc-shell.calc-card-light input[type="range"]::-webkit-slider-thumb {
  border-color: var(--cream-300);
}
.calc-shell.calc-card-light input[type="range"]::-moz-range-thumb {
  border-color: var(--cream-300);
}
.calc-shell.calc-card-light .calc-results,
.calc-shell.calc-card-light .result-box-soft {
  background: rgba(237,212,138,0.22);
  border-left: 1px solid rgba(184,146,46,0.12);
}
.calc-shell.calc-card-light .res-row {
  border-bottom-color: rgba(184,146,46,0.14);
}
.calc-shell.calc-card-light .res-label {
  color: var(--ink-600);
}
.calc-shell.calc-card-light .res-value {
  color: var(--ink-900);
}
.calc-shell.calc-card-light .res-value.highlight {
  background: linear-gradient(135deg, var(--gold-deep), var(--gold-rich), var(--gold-main));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.calc-shell.calc-card-light .calc-disclaimer.disclaimer-soft,
.calc-shell.calc-card-light > .calc-disclaimer {
  background: var(--cream-200);
  color: var(--ink-600);
  border-left: 3px solid var(--gold-rich);
  border-top: 1px solid rgba(184,146,46,0.14);
}

/* NRI calculator impact tiles on light shell */
.calc-shell.calc-card-light .impact-out {
  background: var(--cream-000);
  border: 1px solid rgba(184,146,46,0.16);
}
.calc-shell.calc-card-light .impact-out.primary {
  background: rgba(237,212,138,0.28);
  border-color: rgba(184,146,46,0.28);
}
.calc-shell.calc-card-light .io-label { color: var(--ink-600); }
.calc-shell.calc-card-light .io-sub { color: var(--ink-500); font-size: 11px; }
.calc-shell.calc-card-light .io-val {
  background: linear-gradient(135deg, var(--gold-deep), var(--gold-rich));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Insurance standalone calculator cards */
.calc-card-light {
  background: var(--cream-000);
  border: 1px solid rgba(184,146,46,0.20);
  border-radius: var(--r-2xl);
  padding: var(--s7);
  box-shadow: 0 12px 44px rgba(36,30,22,0.08);
}
.section.section-calc-light .calc-card-light h3 { color: var(--ink-900); }

.ins-calc-light .ins-calc-label { color: var(--ink-600); }
.ins-calc-light .ins-calc-select,
.ins-calc-light .ins-calc-input,
.ins-calc-light select {
  background: #fff !important;
  border: 1px solid rgba(184,146,46,0.28) !important;
  color: var(--ink-900) !important;
}
.calc-shell.calc-card-light select {
  width: 100%;
  background: #fff;
  border: 1px solid rgba(184,146,46,0.26);
  border-radius: var(--r-md);
  color: var(--ink-900);
  font-family: var(--fb);
  font-size: 14px;
  padding: 10px 14px;
}
.calc-shell.calc-card-light select:focus {
  outline: none;
  border-color: var(--gold-rich);
  box-shadow: 0 0 0 3px rgba(184,146,46,0.14);
}

.calc-max { max-width: 900px; margin-left: auto; margin-right: auto; }

.ins-calc-light .ins-calc-result,
.ins-calc-light .result-box-soft {
  background: rgba(237,212,138,0.24);
  border: 1px solid rgba(184,146,46,0.28);
}
.ins-calc-light .ins-calc-select,
.ins-calc-light .ins-calc-input {
  width: 100%;
  font-family: var(--fb);
  font-size: 14px;
  padding: 10px 14px;
  border-radius: var(--r-md);
}

.calc-shell.calc-card-light > .calc-disclaimer.disclaimer-soft {
  margin-top: 0;
}
.ins-calc-light .icr-label { color: var(--ink-600); }
.ins-calc-light .icr-assumptions { color: var(--ink-600); }

/* ── 11. Hero Section ─────────────────────────────────────────── */
.hero {
  min-height: 100vh; display: flex; align-items: center;
  padding-top: var(--header-h); position: relative; overflow: hidden;
  background: var(--bg-000);
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 800px 600px at -10% 30%, rgba(249,115,22,0.09), transparent 60%),
    radial-gradient(ellipse 600px 500px at 110% 70%, rgba(16,185,129,0.07), transparent 55%),
    radial-gradient(ellipse 400px 300px at 60% 10%, rgba(184,146,46,0.05), transparent 50%);
  pointer-events: none;
}
.hero-chakra {
  position: absolute; right: -80px; top: 50%; transform: translateY(-50%);
  width: 660px; height: 660px; opacity: 0.04; pointer-events: none;
  animation: chakra-spin 100s linear infinite;
}
@keyframes chakra-spin { to { transform: translateY(-50%) rotate(360deg); } }
.hero-chakra-sm {
  position: absolute; left: -120px; bottom: -120px;
  width: 340px; height: 340px; opacity: 0.025; pointer-events: none;
  animation: chakra-spin 160s linear infinite reverse;
}
.hero-grid {
  display: grid; grid-template-columns: 1fr 440px;
  gap: var(--s8); align-items: center;
  position: relative; z-index: 1;
  /*padding-top: 50px;*/
}
.hero-namaste {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: serif; font-size: 28px;
  background: linear-gradient(120deg, var(--gold-300), var(--saffron-400), var(--green-300));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: var(--s6); line-height: 1;
  padding-top: 10px;
}
.hero-sub {
  font-size: clamp(16px, 1.8vw, 18px); color: var(--t2);
  max-width: 520px; margin-bottom: var(--s7); line-height: 1.75;
}
.hero-tags { display: flex; flex-wrap: wrap; gap: var(--s3); margin-bottom: var(--s7); }
.hero-tag {
  font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--t2); padding: 5px 12px; border: 1px solid var(--b-subtle);
  border-radius: var(--r-pill);
}
.hero-actions { display: flex; gap: var(--s4); flex-wrap: wrap; }

/* Hero cards */
.hero-cards { display: flex; flex-direction: column; gap: var(--s5); }
.h-portfolio-card {
  background: var(--lux-bg-card);
  border: 1px solid rgba(184,146,46,0.18);
  border-radius: var(--r-xl); padding: var(--s6);
  box-shadow: var(--sh-hover);
  position: relative; overflow: hidden;
}
.h-portfolio-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-400), transparent);
  opacity: 0.55;
}
.hpc-label { font-size: 11px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--t2); margin-bottom: var(--s4); display: flex; align-items: center; justify-content: space-between; }
.hpc-chip { padding: 3px 10px; background: rgba(184,146,46,0.14); border-radius: var(--r-pill); color: var(--gold-soft); border: 1px solid rgba(184,146,46,0.22); font-size: 10.5px; font-weight: 700; }
.hpc-value {
  font-family: var(--fs); font-size: 32px; font-weight: 700; line-height: 1;
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: 4px;
}
.hpc-sub { font-size: 12px; color: var(--t2); margin-bottom: var(--s6); }
.alloc-row { display: flex; align-items: center; gap: var(--s4); margin-bottom: var(--s3); font-size: 12px; }
.alloc-row .al-name { width: 52px; color: var(--t2); font-weight: 600; }
.alloc-track { flex: 1; height: 4px; background: rgba(245,240,232,0.07); border-radius: 2px; overflow: hidden; }
.alloc-fill { height: 100%; border-radius: 2px; }
.alloc-fill.equity { background: linear-gradient(90deg, var(--gold-600), var(--gold-400)); }
.alloc-fill.debt   { background: linear-gradient(90deg, var(--green-600), var(--green-400)); }
.alloc-fill.liquid { background: linear-gradient(90deg, var(--saffron-500), var(--saffron-400)); }
.alloc-row .al-pct { width: 36px; text-align: right; color: var(--t2); font-weight: 700; }

/* Ticker card */
.h-ticker-card {
  background: var(--lux-bg-card);
  border: 1px solid rgba(184,146,46,0.18);
  border-radius: var(--r-lg); padding: var(--s5);
  display: flex; flex-direction: column; gap: var(--s3);
}
.h-ticker-ribbon {
  font-size: 10px; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--gold-soft); opacity: 0.95;
  padding-bottom: var(--s3); margin-bottom: 2px;
  border-bottom: 1px solid rgba(184,146,46,0.14);
}
.h-ticker-rows { display: flex; gap: var(--s4); }
.ticker-item { flex: 1; }
.ti-name { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--t2); }
.ti-val  { font-family: var(--fs); font-size: 16px; font-weight: 700; color: var(--t0); margin: 3px 0; }
.ti-chg  { font-size: 11.5px; font-weight: 700; }
.ti-chg.up   { color: var(--green-400); }
.ti-chg.down { color: var(--danger-main); }

/* ── 12. Page Hero (inner pages) ──────────────────────────────── */
.page-hero {
  padding-top: calc(var(--header-h) + 64px);
  padding-bottom: 72px;
  background: var(--bg-000);
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 700px 400px at 0% 100%, rgba(249,115,22,0.07), transparent 55%),
    radial-gradient(ellipse 500px 400px at 100% 0%, rgba(16,185,129,0.06), transparent 50%);
  pointer-events: none;
}
.page-hero .ph-tag { margin-bottom: var(--s5); }
.page-hero h1 { max-width: 700px; margin-bottom: var(--s5); }
.page-hero .lead { font-size: 18px; color: var(--t2); max-width: 580px; }
.page-hero-chakra {
  position: absolute; right: -100px; top: -100px;
  width: 500px; height: 500px; opacity: 0.05; pointer-events: none;
  animation: chakra-spin 80s linear infinite;
}

/* ── 13. Trust / Credential Strip ────────────────────────────── */
.cred-strip {
  background: var(--bg-200); border-top: 1px solid var(--b-subtle);
  border-bottom: 1px solid var(--b-subtle); padding: 18px 0;
  margin: 50px 0;
}
.cred-inner {
  display: flex; align-items: center; gap: var(--s6); flex-wrap: wrap;
  justify-content: center;
}
.cred-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 700; color: var(--t2);
  letter-spacing: 0.05em; text-transform: uppercase;
}
.cred-item .ci-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--gold-400); }

/* ── 14. FAQ ──────────────────────────────────────────────────── */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  background: var(--bg-300); border: 1px solid var(--b-subtle);
  border-radius: var(--r-lg); margin-bottom: var(--s4); overflow: hidden;
  transition: border-color var(--dur) var(--ease);
}
.faq-item[open] { border-color: var(--b-gold); }
.faq-item summary {
  list-style: none; cursor: pointer; padding: var(--s5) var(--s6);
  font-weight: 700; font-size: 16.5px; color: var(--t0);
  display: flex; align-items: center; justify-content: space-between; gap: var(--s5);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+'; font-size: 22px; font-weight: 300; color: var(--gold-400);
  flex-shrink: 0; transition: transform var(--dur) var(--ease);
}
.faq-item[open] summary::after { content: '−'; }
.faq-body { padding: 0 var(--s6) var(--s5); color: var(--t2); font-size: 15px; line-height: 1.75; }
.faq-body p { color: var(--t2); }

/* ── 15. Feature list ─────────────────────────────────────────── */
.feat-list { display: flex; flex-direction: column; gap: var(--s5); }
.feat-item { display: flex; gap: var(--s5); align-items: flex-start; }
.feat-num {
  width: 32px; height: 32px; border-radius: var(--r-pill); flex-shrink: 0;
  background: rgba(184,146,46,0.10); border: 1px solid var(--b-gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 800; color: var(--gold-400); font-family: var(--fb);
}
.feat-item h5 { margin-bottom: 4px; color: var(--t0); }
.feat-item p  { font-size: 14.5px; color: var(--t2); margin: 0; }

/* ── 16. Conviction cards ─────────────────────────────────────── */
.conv-card {
  background: var(--bg-300); border: 1px solid var(--b-subtle);
  border-radius: var(--r-xl); padding: var(--s7);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.conv-card:hover { border-color: var(--b-gold); box-shadow: var(--sh-card); }
.conv-num {
  font-family: var(--fs); font-size: 52px; font-weight: 700; line-height: 1;
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: var(--s4);
}
.conv-card h4 { margin-bottom: var(--s3); }
.conv-card p  { font-size: 14.5px; color: var(--t2); margin: 0; }

/* ── Values Grid (About page) ─────────────────────────────────── */
.value-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--s5);
  margin-top: var(--s8);
}
.value-card {
  background: var(--bg-300);
  border: 1px solid var(--b-subtle);
  border-radius: var(--r-xl);
  padding: var(--s7);
  transition: border-color var(--dur) var(--ease), transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.value-card:hover {
  border-color: var(--b-gold);
  transform: translateY(-3px);
  box-shadow: var(--sh-hover);
}
.vc-icon { font-size: 32px; margin-bottom: var(--s5); display: block; }
.value-card h4 { margin-bottom: var(--s3); }
.value-card p  { font-size: 14.5px; color: var(--t2); margin: 0; }
@media (max-width: 640px) { .value-grid { grid-template-columns: 1fr; } }

/* ── 17. CTA Banner ───────────────────────────────────────────── */
.cta-section {
  background: var(--bg-000);
  border-top: 1px solid var(--b-gold); border-bottom: 1px solid var(--b-gold);
  position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 800px 400px at 50% 50%, rgba(184,146,46,0.09), transparent 65%);
  pointer-events: none;
}
.cta-inner {
  display: grid; grid-template-columns: 1fr auto;
  gap: var(--s8); align-items: center;
  position: relative; z-index: 1;
}
.cta-inner h2 { margin-bottom: var(--s4); }
.cta-inner p  { color: var(--t1); max-width: 540px; }
.cta-actions { display: flex; gap: var(--s4); flex-wrap: wrap; align-items: center; }

/* ── 18. Footer ───────────────────────────────────────────────── */
.site-footer {
  background: var(--bg-000); border-top: 1px solid var(--b-gold);
  padding: var(--s10) 0 var(--s7);
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr;
  gap: var(--s8); padding-bottom: var(--s8);
  border-bottom: 1px solid var(--b-subtle);
}
.footer-brand .brand { margin-bottom: var(--s5); }
.footer-brand p { font-size: 13.5px; color: var(--t2); max-width: 280px; }
.footer-brand .reg { font-size: 12px; color: var(--t2); opacity: 0.9; margin-top: var(--s4); line-height: 1.8; }
.footer-col h6 {
  font-family: var(--fb); font-size: 11px; font-weight: 800;
  letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-main);
  margin-bottom: var(--s5);
}
.footer-col a {
  display: block; font-size: 14px; color: var(--t2); margin-bottom: var(--s3);
  transition: color var(--dur) var(--ease);
}
.footer-col a:hover { color: var(--gold-soft); }
.footer-col .contact-item { font-size: 13.5px; color: var(--t2); margin-bottom: var(--s3); }
.footer-bottom {
  padding-top: var(--s7); display: flex; flex-direction: column; gap: var(--s3); align-items: center;
}
.footer-bottom p { font-size: 12.5px; color: var(--t2); margin: 0; text-align: center; }
.footer-disc { font-size: 11.5px; color: var(--t2); opacity: 0.85; line-height: 1.7;  }

/* ── 19. Scroll-to-top button ─────────────────────────────────── */
#scroll-top {
  position: fixed; right: var(--s6); bottom: var(--s6); z-index: 90;
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--gold-500); color: #fff;
  border: none; font-size: 18px; font-weight: 700;
  box-shadow: 0 4px 16px rgba(184,146,46,0.40);
  opacity: 0; pointer-events: none;
  transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease);
}
#scroll-top.visible { opacity: 1; pointer-events: auto; }
#scroll-top:hover { transform: translateY(-2px); }

/* ── 20. Scroll Reveal ────────────────────────────────────────── */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity 0.6s var(--ease), transform 0.6s var(--ease); }
.reveal.visible { opacity: 1; transform: translateY(0); padding-top: 20px; }
.d1 { transition-delay: 0.10s; }
.d2 { transition-delay: 0.20s; }
.d3 { transition-delay: 0.30s; }

/* ── 21. Market Grid ──────────────────────────────────────────── */
.market-grid {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: var(--s4);
}
.mc {
  background: var(--bg-300); border: 1px solid var(--b-subtle);
  border-radius: var(--r-lg); padding: var(--s5);
  transition: border-color var(--dur) var(--ease);
}
.mc:hover { border-color: var(--b-gold); }
.mc-name { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--t3); margin-bottom: var(--s2); }
.mc-val  { font-family: var(--fs); font-size: 20px; font-weight: 700; color: var(--t0); margin-bottom: var(--s2); }
.mc-chg  { font-size: 12px; font-weight: 700; }
.mc-chg.up   { color: var(--green-400); }
.mc-chg.down { color: var(--danger-main); }

/* ── 22. Disclaimer ───────────────────────────────────────────── */
.disclaimer {
  font-size: 12.5px; color: var(--t3); line-height: 1.7;
  padding: var(--s4) var(--s5);
  background: rgba(245,240,232,0.03); border: 1px solid var(--b-subtle);
  border-radius: var(--r-md);
}

/* ── 23. Insurance / Corporate specific ──────────────────────── */
.ins-types { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--s5); margin-top: var(--s8); }
.ins-card {
  background: var(--bg-300); border: 1px solid var(--b-subtle);
  border-radius: var(--r-lg); padding: var(--s6);
  transition: border-color var(--dur) var(--ease), transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.ins-card:hover { border-color: var(--b-gold); transform: translateY(-3px); box-shadow: var(--sh-hover); }
.ic-icon { font-size: 32px; margin-bottom: var(--s4); display: block; }
.ins-card h5 { font-size: 15px; font-weight: 700; color: var(--t0); margin-bottom: var(--s3); }
.ins-card p { font-size: 13px; color: var(--t2); line-height: 1.6; margin: 0; }

.ins-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--s5); }
.ins-item {
  background: var(--bg-300); border: 1px solid var(--b-subtle);
  border-radius: var(--r-lg); padding: var(--s5);
  transition: border-color var(--dur) var(--ease);
}
.ins-item:hover { border-color: var(--b-gold); }
.ins-icon { font-size: 26px; margin-bottom: var(--s3); }
.ins-name { font-size: 14px; font-weight: 700; color: var(--t0); margin-bottom: 4px; }
.ins-desc { font-size: 13px; color: var(--t2); }

/* ── Sector Pills (Corporate page) ───────────────────────────── */
.sectors { display: flex; flex-wrap: wrap; gap: var(--s3); margin-top: var(--s6); }
.sector-pill {
  padding: 8px 16px;
  background: rgba(184,146,46,0.06);
  border: 1px solid var(--b-gold);
  border-radius: var(--r-pill);
  font-size: 13px; color: var(--t2); font-weight: 600;
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease);
}
.sector-pill:hover { background: rgba(184,146,46,0.14); color: var(--t0); }

/* Risk checklist */
#riskChecklist { display: flex; flex-direction: column; gap: var(--s3); margin-bottom: var(--s7); }
.rc-item {
  background: var(--bg-300); border: 1px solid var(--b-subtle);
  border-radius: var(--r-md);
  transition: border-color var(--dur) var(--ease), background var(--dur) var(--ease);
  cursor: pointer;
}
.rc-item label {
  cursor: pointer;
  display: flex; align-items: center; gap: var(--s4);
  font-size: 15px; font-weight: 600; color: var(--t1);
  padding: var(--s4);
  width: 100%;
}
.rc-item:hover { border-color: var(--b-gold); }
.rc-item.checked { border-color: var(--green-600); background: rgba(5,150,105,0.05); }
.rc-item input[type="checkbox"] {
  width: 18px; height: 18px;
  accent-color: var(--green-500);
  flex-shrink: 0; cursor: pointer;
}
.rc-label { font-size: 14px; color: var(--t1); }
/* risk bar — both class names supported */
.risk-bar-track,
.risk-track { height: 8px; background: rgba(245,240,232,0.06); border-radius: 4px; overflow: hidden; margin: var(--s5) 0; width: 100%; }
.rf { height: 100%; border-radius: 4px; transition: width 0.5s var(--ease); }
.rf-low  { background: linear-gradient(90deg, var(--green-600), var(--green-400)); }
.rf-mod  { background: linear-gradient(90deg, var(--gold-600), var(--gold-400)); }
.rf-high { background: linear-gradient(90deg, var(--saffron-500), var(--saffron-400)); }
.risk-badge { display: inline-flex; align-items: center; gap: 8px; padding: 6px 16px; border-radius: var(--r-pill); font-size: 12.5px; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: var(--s4); }
.rb-low  { background: rgba(5,150,105,0.12); color: var(--green-400); }
.rb-mod  { background: rgba(184,146,46,0.12); color: var(--gold-300); }
.rb-high { background: rgba(234,88,12,0.12); color: var(--saffron-400); }

/* Impact grid (NRI calc) */
.impact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s4); }
.impact-out { background: var(--bg-500); border-radius: var(--r-lg); padding: var(--s5); }
.impact-out.primary { grid-column: 1 / -1; background: rgba(184,146,46,0.08); border: 1px solid var(--b-gold); }
.io-label { font-size: 11.5px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--t3); margin-bottom: var(--s2); }
.io-val {
  font-family: var(--fs); font-size: clamp(22px, 3vw, 32px); font-weight: 700;
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.io-sub { font-size: 11px; color: var(--t3); margin-top: 4px; }

/* Contact form */
.cf-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s5); }
.cf-full { grid-column: 1/-1; }
.cf-input, .cf-select, .cf-textarea {
  width: 100%; background: var(--bg-300); border: 1px solid var(--b-subtle);
  border-radius: var(--r-md); color: var(--t0); font-family: var(--fb);
  font-size: 14.5px; padding: 12px var(--s4);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.cf-input:focus, .cf-select:focus, .cf-textarea:focus {
  outline: none; border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(184,146,46,0.14);
}
.cf-textarea { resize: vertical; min-height: 120px; }
.cf-label { display: block; font-size: 13px; font-weight: 700; color: var(--t2); margin-bottom: var(--s2); letter-spacing: 0.04em; }

/* ═══════════════════════════════════════════════════════════════
   v5 NEW COMPONENT STYLES
   ═══════════════════════════════════════════════════════════════ */

/* ── v5: Data status badge ─── */
.data-badge {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 10.5px; font-weight: 700; letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--gold-deep);
  padding: 5px 12px;
  border: 1px solid rgba(184,146,46,0.28);
  border-radius: var(--r-pill);
  background: rgba(184,146,46,0.10);
}
.data-badge::before { content: '◉'; font-size: 8px; color: var(--gold-rich); }
.data-badge-soft {
  font-size: 10px;
  font-weight: 650;
  letter-spacing: 0.05em;
  padding: 4px 10px;
  background: rgba(184,146,46,0.08);
  border-color: rgba(184,146,46,0.2);
}
.data-badge-inline-top { margin-top: var(--s4); }

/* ── v5: Bharat identity section ─── */
.bharat-center {
  display: flex; flex-direction: column; align-items: center;
  justify-content: center; gap: var(--s4); text-align: center;
  padding: var(--s7) var(--s6);
}
.bharat-script {
  font-family: var(--fd); font-size: clamp(52px, 9vw, 96px);
  font-weight: 700; line-height: 1; font-style: normal;
  background: linear-gradient(135deg, var(--saffron-400), var(--gold-300), var(--green-300));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: var(--s3);
}
.bharat-languages {
  display: flex; flex-wrap: wrap; justify-content: center; gap: var(--s3);
  max-width: 520px;
}
.bharat-lang-pill {
  font-size: 13px; font-weight: 600; color: var(--t2);
  padding: 5px 13px; border: 1px solid var(--b-subtle);
  border-radius: var(--r-pill); background: rgba(184,146,46,0.04);
  transition: border-color var(--dur) var(--ease), color var(--dur) var(--ease);
}
.bharat-lang-pill:hover { border-color: var(--b-gold); color: var(--gold-300); }

/* ── v5: Bharat languages display ─── */
.bharat-main {
  font-family: var(--fd); font-size: clamp(80px, 14vw, 160px);
  font-weight: 700; line-height: 1; font-style: normal;
  background: linear-gradient(135deg, var(--saffron-400) 0%, var(--gold-300) 50%, var(--green-300) 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: var(--s4);
}
.bharat-tagline {
  font-size: 13px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--t2); margin-bottom: var(--s6);
}
.bharat-langs {
  display: flex; flex-wrap: wrap; justify-content: center; gap: var(--s4);
  max-width: 800px; margin: 0 auto var(--s6);
 
}
.bharat-langs .bharat-script {
  font-family: var(--fd); font-size: clamp(16px, 2.5vw, 22px);
  font-weight: 600; font-style: normal;
  color: rgba(246, 240, 232, 0.88);
  padding: 8px 18px;
  border: 1px solid var(--bg-300);
  border-radius: var(--r-pill);
  /* background: var(--lux-bg-card); */
  transition: border-color var(--dur) var(--ease), color var(--dur) var(--ease),
              background var(--dur) var(--ease);
}
.bharat-langs .bharat-script:hover {
  border-color: rgba(184,146,46,0.45);
  color: var(--gold-soft);
  /* background: rgba(184,146,46,0.08); */
}
.bharat-sub {
  font-size: 16px; color: var(--t2); max-width: 560px; text-align: center; line-height: 1.7;
}

/* ── v5: Index cards ─── */
.index-cards-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s5); }
.index-card {
  background: var(--bg-300); border: 1px solid var(--b-gold);
  border-radius: var(--r-xl); padding: var(--s6);
  position: relative; overflow: hidden;
  transition: box-shadow var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.index-card:hover { box-shadow: var(--sh-hover); transform: translateY(-2px); }
.index-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-400), transparent);
}
.ic-name { font-size: 11.5px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--t2); opacity: 0.95; margin-bottom: var(--s2); }
.ic-level { font-family: var(--fs); font-size: clamp(30px, 4vw, 44px); font-weight: 700; color: var(--t0); line-height: 1; margin-bottom: var(--s2); }
.ic-change { font-size: 15px; font-weight: 700; margin-bottom: var(--s3); }
.ic-change.up   { color: var(--success-main); }
.ic-change.down { color: var(--danger-main); }
.ic-meta { font-size: 11.5px; color: var(--t2); opacity: 0.92; display: flex; flex-wrap: wrap; gap: var(--s4); margin-bottom: var(--s4); }

/* ── v5: Scrollable tables ─── */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--r-lg); }
.data-table {
  width: 100%; border-collapse: collapse; font-size: 13px;
  min-width: 960px;
}
.data-table th {
  font-size: 10.5px; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--gold-500); padding: var(--s3) var(--s4); border-bottom: 1px solid var(--b-gold);
  text-align: left; white-space: nowrap; background: var(--bg-200);
  position: sticky; top: 0; z-index: 1;
}
.data-table td {
  padding: var(--s3) var(--s4); border-bottom: 1px solid var(--b-subtle);
  color: var(--t1); white-space: nowrap; vertical-align: middle;
}
.data-table tr:hover td { background: rgba(184,146,46,0.04); }
.pos { color: var(--success-main); font-weight: 700; }
.neg { color: var(--danger-main); font-weight: 700; }

/* Light-readable table shell (charcoal sections + cream data) */
.table-shell-light {
  background: var(--cream-000);
  border-radius: var(--r-lg);
  border: 1px solid rgba(184,146,46,0.18);
  box-shadow: 0 14px 48px rgba(23,19,14,0.12);
  padding: var(--s4);
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.table-light {
  width: 100%;
  border-collapse: collapse;
  font-size: 13.5px;
  min-width: 680px;
}
.table-light thead th {
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-800);
  padding: var(--s4) var(--s5);
  text-align: left;
  white-space: nowrap;
  background: var(--cream-200);
  border-bottom: 2px solid var(--gold-rich);
  position: sticky;
  top: 0;
  z-index: 1;
}
.table-light tbody td {
  padding: var(--s4) var(--s5);
  color: var(--ink-700);
  border-bottom: 1px solid rgba(184,146,46,0.14);
  white-space: nowrap;
  vertical-align: middle;
  background: var(--cream-000);
}
.table-light tbody tr:nth-child(even) td { background: var(--cream-100); }
.table-light tbody tr:hover td { background: rgba(184,146,46,0.075); }

.filter-bar-light .filter-select {
  background: var(--cream-000);
  color: var(--ink-900);
  border: 1px solid rgba(184,146,46,0.28);
}
.filter-bar-light .filter-select:hover { border-color: rgba(184,146,46,0.42); }
.filter-bar-light .filter-label { color: var(--ink-600); }
.filter-bar-light .reset-btn {
  background: rgba(184,146,46,0.12);
  border-color: rgba(184,146,46,0.35);
  color: var(--gold-deep);
}
.filter-bar-light .reset-btn:hover {
  background: rgba(184,146,46,0.18);
  color: var(--gold-rich);
}
.filter-bar-light .result-count { color: var(--ink-600); opacity: 1; }

/* Table utilities (light shells, dynamic rows) */
.table-light.table-scroll-wide { min-width: 980px; }
.table-light td strong { color: var(--ink-900); font-weight: 700; }
.table-light .cell-symbol { font-size: 12px; color: var(--ink-500); white-space: nowrap; }
.table-light .cell-muted { color: var(--ink-600); font-size: 12px; }
.table-light .cell-muted-tight { font-size: 11.5px; color: var(--ink-600); }
.table-light .table-empty-msg {
  text-align: center;
  color: var(--ink-600);
  padding: var(--s8);
  font-size: 14px;
}
.table-light .tag-pill.large-cap {
  background: rgba(184,146,46,0.14);
  color: var(--gold-deep);
  border: 1px solid rgba(184,146,46,0.28);
}
.table-light .tag-pill.mid-cap {
  background: var(--success-soft);
  color: var(--success-main);
  border: 1px solid rgba(16,185,129,0.28);
}
.table-light .tag-pill.small-cap {
  background: var(--warning-soft);
  color: var(--warning-main);
  border: 1px solid rgba(234,88,12,0.28);
}
.table-light .tag-pill.sectoral-it {
  background: rgba(138,101,200,0.08);
  color: #5B4280;
  border: 1px solid rgba(138,101,200,0.22);
}
.table-light .mf-risk-pill {
  font-size: 11.5px;
  color: var(--ink-700);
  padding: 2px 8px;
  border-radius: var(--r-pill);
  background: rgba(184,146,46,0.1);
  border: 1px solid rgba(184,146,46,0.2);
  white-space: nowrap;
}
.table-light .nowrap { white-space: nowrap; }
.table-light .holding-pct { color: var(--gold-rich); font-weight: 700; }

.index-loading-hint {
  color: var(--ink-500);
  font-size: 13px;
  padding: var(--s6);
}
.analytics-loading-hint {
  color: var(--ink-600);
  font-size: 13px;
  padding: var(--s6);
}

.disclaimer-soft--dark {
  margin-top: var(--s5);
  padding: var(--s5);
  border-radius: var(--r-md);
  border-left: 3px solid var(--gold-rich);
  background: rgba(184,146,46, 0.08);
  color: var(--t2);
  font-size: 12.5px;
  line-height: 1.7;
}

.disclaimer-soft--dark.legal-note-centered {
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
  margin-top: var(--s6);
  text-align: center;
}

.quote-panel-dark {
  margin-top: var(--s7);
  padding: var(--s6);
  background: rgba(184,146,46,0.08);
  border-left: 3px solid var(--gold-rich);
  border-radius: 0 var(--r-md) var(--r-md) 0;
}
.quote-panel-dark p {
  font-family: var(--fd);
  font-size: 22px;
  font-style: italic;
  color: var(--t0);
  margin: 0;
  line-height: 1.45;
}

.section-cream .analytics-card {
  box-shadow: 0 16px 48px rgba(23,19,14,0.14);
  border-color: rgba(184,146,46,0.22);
}

/* Contact page */
.contact-main-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s9);
  align-items: start;
}
@media (max-width: 900px) {
  .contact-main-grid { grid-template-columns: 1fr; }
}
.contact-info-card {
  background: var(--lux-bg-card);
  border: 1px solid rgba(184,146,46,0.18);
  border-radius: var(--r-xl);
  padding: var(--s6);
  margin-bottom: var(--s5);
}
.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: var(--s5);
  padding: var(--s5) 0;
  border-bottom: 1px solid rgba(184,146,46,0.12);
}
.contact-info-item:last-child { border-bottom: none; }
.cii-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--r-md);
  background: rgba(184,146,46,0.09);
  border: 1px solid rgba(184,146,46,0.22);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.cii-label {
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin-bottom: 4px;
}
.cii-val { font-size: 15px; font-weight: 600; color: var(--t0); }
.cii-sub { font-size: 12.5px; color: var(--t2); margin-top: 2px; }
.form-card-light .form-group { margin-bottom: var(--s5); }
.form-card-light .form-group label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  margin-bottom: var(--s2);
  letter-spacing: 0.04em;
}
.form-card-light textarea.input-light { resize: vertical; min-height: 120px; }
.form-card-light .btn-gold[type="submit"] {
  width: 100%;
  justify-content: center;
  padding: 16px 20px;
}
.form-card-light .check-row-soft input {
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--gold-main);
}

.section-cream .index-card {
  background: var(--cream-000);
  border-color: rgba(184,146,46,0.22);
  box-shadow: 0 12px 40px rgba(36,30,22,0.08);
}
.section-cream .ic-name { color: var(--ink-600); }
.section-cream .ic-level { color: var(--ink-900); }
.section-cream .ic-meta { color: var(--ink-500); }
.section-cream .ic-change.down { color: var(--danger-main); }

.disclaimer-soft {
  margin-top: var(--s5);
  padding: var(--s5);
  border-radius: var(--r-md);
  border-left: 3px solid var(--gold-rich);
  background: var(--cream-200);
  color: var(--ink-600);
  font-size: 12.5px;
  line-height: 1.7;
}
.legal-note {
  font-size: 13px;
  color: var(--t2);
  margin-top: var(--s4);
  line-height: 1.65;
  opacity: 0.94;
}

.form-card-light {
  background: var(--cream-000);
  border: 1px solid rgba(184,146,46,0.22);
  box-shadow: 0 14px 48px rgba(23,19,14,0.1);
  padding:0px;
}
.form-card-light .form-group label { color: var(--ink-600); }
.input-light,
.select-light,
textarea.input-light {
  width: 100%;
  background: #fff !important;
  border: 1px solid rgba(184,146,46,0.26) !important;
  border-radius: var(--r-md);
  color: var(--ink-900) !important;
  font-family: var(--fb);
  font-size: 14.5px;
  padding: 12px var(--s4);
}
.input-light:focus,
.select-light:focus,
textarea.input-light:focus {
  outline: none;
  border-color: var(--gold-rich) !important;
  box-shadow: 0 0 0 3px rgba(184,146,46,0.15);
}

.sec-tag-spaced { margin-bottom: var(--s5); }
.sec-tag-compact {
  font-size: 10px;
  margin-bottom: var(--s4);
  letter-spacing: 0.16em;
}
.card-accent-panel .feat-item-title {
  margin-bottom: 4px;
  color: var(--t0);
}
.card-accent-panel .feat-item-body {
  margin: 0;
  font-size: 13.5px;
  color: var(--t2);
  line-height: 1.55;
}


.check-row-soft {
  display: flex;
  align-items: flex-start;
  gap: var(--s3);
  font-size: 12.5px;
  color: var(--ink-600);
}
.check-row-soft label {
  cursor: pointer;
  line-height: 1.55;
  flex: 1;
}

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

.footer-col .text-muted-footer {
  margin-top: var(--s4);
  font-size: 12.5px;
  color: var(--t2);
  opacity: 0.92;
}

.cf-status {
  display: none;
  padding: var(--s5);
  border-radius: var(--r-md);
  font-size: 14px;
  font-weight: 600;
  margin-top: var(--s5);
}
.cf-status.success {
  background: var(--success-soft);
  border: 1px solid var(--success-main);
  color: var(--success-main);
}
.cf-status.error {
  background: var(--danger-soft);
  border: 1px solid var(--danger-main);
  color: var(--danger-main);
}

.card-accent-panel {
  background: var(--lux-bg-raised);
  border: 1px solid rgba(184,146,46,0.18);
}

.future-support { color: var(--t1); font-weight: 600; }
.tag-pill {
  display: inline-block; padding: 2px 8px; border-radius: var(--r-pill);
  font-size: 10.5px; font-weight: 700; letter-spacing: 0.05em;
}
.tag-pill.large-cap { background: rgba(184,146,46,0.10); color: var(--gold-300); }
.tag-pill.mid-cap   { background: rgba(16,185,129,0.10); color: var(--green-300); }
.tag-pill.small-cap { background: rgba(249,115,22,0.10); color: var(--saffron-400); }
.tag-pill.sectoral-it { background: rgba(138,101,200,0.10); color: #C4A8F0; }

/* ── v5: Filter bar ─── */
.filter-bar {
  display: flex; flex-wrap: wrap; gap: var(--s3);
  margin-bottom: var(--s5); align-items: center;
}
.filter-label { font-size: 11.5px; font-weight: 700; color: var(--t2); opacity: 0.9; letter-spacing: 0.08em; text-transform: uppercase; flex-shrink: 0; }
.filter-select {
  background: var(--bg-300); border: 1px solid var(--b-subtle); border-radius: var(--r-md);
  color: var(--t1); font-family: var(--fb); font-size: 13px; padding: 8px 12px;
  cursor: pointer; transition: border-color var(--dur) var(--ease);
}
.filter-select:focus { outline: none; border-color: var(--gold-500); }
.filter-select:hover { border-color: var(--b-subtle-h); }
.reset-btn {
  background: rgba(184,146,46,0.07); border: 1px solid var(--b-gold); border-radius: var(--r-md);
  color: var(--gold-400); font-family: var(--fb); font-size: 12px; font-weight: 700;
  padding: 7px 14px; cursor: pointer; transition: all var(--dur) var(--ease);
}
.reset-btn:hover { background: rgba(184,146,46,0.14); color: var(--gold-300); }
.result-count { font-size: 12px; color: var(--t2); margin-left: auto; opacity: 0.9; }

/* ── v5: Insurance premium calculators ─── */
.ins-calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s5); }
.ins-calc-label {
  display: block; font-size: 12.5px; font-weight: 700; color: var(--t2);
  margin-bottom: var(--s2); letter-spacing: 0.04em;
}
.ins-calc-select, .ins-calc-input {
  width: 100%; background: var(--bg-400); border: 1px solid var(--b-subtle);
  border-radius: var(--r-md); color: var(--t0); font-family: var(--fb);
  font-size: 14px; padding: 10px 14px;
  transition: border-color var(--dur) var(--ease);
}
.ins-calc-select:focus, .ins-calc-input:focus {
  outline: none; border-color: var(--gold-400);
  box-shadow: 0 0 0 3px rgba(184,146,46,0.12);
}
.ins-calc-result {
  background: rgba(184,146,46,0.05); border-radius: var(--r-xl); padding: var(--s6);
  margin-top: var(--s6); border: 1px solid var(--b-gold);
}
.icr-label { font-size: 11.5px; font-weight: 700; letter-spacing: 0.10em; text-transform: uppercase; color: var(--t2); opacity: 0.92; margin-bottom: var(--s2); }
.icr-main {
  font-family: var(--fs); font-size: clamp(28px, 4vw, 40px); font-weight: 700; line-height: 1;
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
  margin-bottom: var(--s2);
}
.icr-assumptions { margin-top: var(--s5); font-size: 12.5px; color: var(--t3); line-height: 1.7; padding-left: var(--s5); }
.icr-assumptions li { margin-bottom: 4px; }

/* ── v5: Future Industries section ─── */
.fi-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(268px, 1fr)); gap: var(--s5); }
.fi-card {
  background: var(--lux-bg-card);
  border: 1px solid rgba(184,146,46,0.16);
  border-radius: var(--r-xl); padding: var(--s6);
  transition: border-color var(--dur) var(--ease), transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  position: relative; overflow: hidden;
}
.fi-card:hover { border-color: rgba(184,146,46,0.32); transform: translateY(-3px); box-shadow: var(--sh-card); }
.fi-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, var(--saffron-500), var(--gold-400), var(--green-500));
  opacity: 0.42; transition: opacity var(--dur) var(--ease);
}
.fi-card:hover::before { opacity: 1; }
.fi-icon { font-size: 34px; margin-bottom: var(--s4); }
.fi-title { font-family: var(--fd); font-size: 20px; font-weight: 600; color: var(--t0); margin-bottom: var(--s3); }
.fi-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: var(--s4); }
.fi-tag { font-size: 11px; font-weight: 700; padding: 3px 8px; border-radius: var(--r-pill); background: rgba(184,146,46,0.07); border: 1px solid var(--b-gold); color: var(--t2); }
.fi-question {
  font-family: var(--fd); font-size: clamp(22px, 3vw, 30px); font-weight: 600;
  color: var(--t0); line-height: 1.4; margin-bottom: var(--s5);
  font-style: italic;
}

/* ── v5: Analytics cards ─── */
.analytics-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--s5); }
.analytics-card {
  background: var(--lux-bg-card);
  border: 1px solid rgba(184,146,46,0.16);
  border-radius: var(--r-xl); padding: var(--s6);
}
.ac-title { font-size: 11px; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-500); margin-bottom: var(--s4); }
.ac-list { display: flex; flex-direction: column; gap: var(--s3); }
.ac-item { display: flex; justify-content: space-between; align-items: center; font-size: 13px; color: var(--t1); padding: var(--s2) 0; border-bottom: 1px solid var(--b-subtle); }
.ac-item:last-child { border-bottom: none; }
.ac-val { font-family: var(--fs); font-size: 15px; font-weight: 700; color: var(--gold-300); }

/* ── v5: Page-level anchor navigation ─── */
.page-nav {
  display: flex; flex-wrap: wrap; gap: var(--s3); padding: var(--s4) 0;
  border-bottom: 1px solid var(--b-subtle); margin-bottom: var(--s7);
}
.page-nav a {
  font-size: 13px; font-weight: 600; color: var(--t2); padding: 6px 14px;
  border: 1px solid var(--b-subtle); border-radius: var(--r-pill);
  transition: all var(--dur) var(--ease);
}
.page-nav a:hover { color: var(--gold-300); border-color: var(--b-gold); background: rgba(184,146,46,0.06); }

/* Screener qualified row highlight */
.screener-row-pass td:first-child { border-left: 2px solid var(--green-500); }


.future-grid{
  padding-top: 50px;
}

.cream-inner-div{
  display:grid;grid-template-columns:1fr 1fr;gap:clamp(var(--s8),8vw,120px);align-items:center;
}

.nri-card{
  display:grid;grid-template-columns:1fr auto;gap:var(--s7);align-items:center;
}

/* ── 24. Responsive ───────────────────────────────────────────── */
@media (max-width: 960px) {
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .market-grid { grid-template-columns: repeat(3,1fr); }
  .analytics-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .hero-grid { grid-template-columns: 1fr; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .ins-grid, .ins-types { grid-template-columns: 1fr 1fr; }
  .cta-inner { grid-template-columns: 1fr; }
  .calc-panel.active { grid-template-columns: 1fr; }
  .calc-inputs { border-right: none; border-bottom: 1px solid var(--b-subtle); }
  #riskChecklist { grid-template-columns: 1fr; }
  .impact-grid { grid-template-columns: 1fr; }
  .cf-grid { grid-template-columns: 1fr; }
  .market-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .index-cards-row { grid-template-columns: 1fr; }
  .analytics-grid { grid-template-columns: 1fr; }
  .ins-calc-grid { grid-template-columns: 1fr; }
  .filter-bar { flex-direction: column; align-items: flex-start; }
  .result-count { margin-left: 0; }
}




@media (max-width: 480px) {
  .ins-grid, .ins-types { grid-template-columns: 1fr; }
  .market-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .page-nav { gap: var(--s2); }
  .page-nav a { font-size: 12px; padding: 5px 10px; }
.cream-inner-div{
  grid-template-columns:1fr;

}
.nri-card{
    grid-template-columns:1fr;
}
	.page-hero {
    padding-top: calc(var(--header-h) + 0px);
    padding-bottom: 14px;
    background: var(--bg-000);
    position: relative;
    overflow: hidden;
}
	.mycustomwidthmobile{
		width:100% !important;
		float:none !important;
		display:block !important;
	}
	
}




@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

/* ---- INDEX PAGE SPECIFIC ---- */
.future-grid { display:grid; grid-template-columns:repeat(5,1fr); gap:var(--s5); }
@media(max-width:1100px){ .future-grid { grid-template-columns:repeat(3,1fr); } }
@media(max-width:700px) { .future-grid { grid-template-columns:repeat(2,1fr); } }
@media(max-width:430px) { .future-grid { grid-template-columns:1fr; } }
.fi-card { background:var(--bg-300); border:1px solid var(--b-subtle); border-radius:var(--r-xl); padding:var(--s6); text-align:center; transition:border-color var(--dur) var(--ease),transform var(--dur) var(--ease),box-shadow var(--dur) var(--ease); position:relative; overflow:hidden; }
.fi-card::before { content:''; position:absolute; top:0; left:0; right:0; height:2px; background:var(--fibar,linear-gradient(90deg,var(--gold-500),var(--gold-300))); }
.fi-card:hover { border-color:var(--b-gold); transform:translateY(-3px); box-shadow:var(--sh-hover); }
.fi-icon { font-size:32px; margin-bottom:var(--s4); }
.fi-name { font-size:14px; font-weight:700; color:var(--t0); margin-bottom:6px; }
.fi-desc { font-size:12.5px; color:var(--t2); line-height:1.55; margin:0; }
.future-question { font-family:var(--fd); font-size:clamp(20px,3.5vw,30px); font-weight:600; color:var(--t0); line-height:1.4; margin-bottom:var(--s6); max-width:900px; font-style:normal; }
.future-support  { font-size:15.5px; font-weight:600; margin-bottom:var(--s8); max-width:700px; }


/*
 * nri-page.css — VMT Enterprises
 * NRI Desk page ke liye missing CSS classes.
 * Yeh sab classes style.css mein nahi thi — nri.html ki inline <style> mein thi.
 * 
 * WordPress mein add karne ka tarika:
 * Option 1 (Recommended): functions.php mein wp_enqueue_style() se load karo
 * Option 2: style.css ke end mein paste kar do
 * ------------------------------------------------------------------ */

/* ── NRI Hero Section ───────────────────────────────────────────── */
.nri-hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: var(--header-h);
  background: var(--bg-000);
  position: relative;
  overflow: hidden;
}
.nri-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 700px 500px at -5% 50%, rgba(249,115,22,0.09), transparent 55%),
    radial-gradient(ellipse 500px 600px at 105% 50%, rgba(16,185,129,0.08), transparent 55%),
    radial-gradient(ellipse 400px 300px at 50% 0%, rgba(184,146,46,0.06), transparent 50%);
  pointer-events: none;
}

/* ── Namaste Heading ────────────────────────────────────────────── */
.nri-namaste {
  font-family: var(--fd);
  font-size: clamp(52px, 8vw, 96px);
  font-style: normal;
  line-height: 1;
  font-weight: 600;
  background: linear-gradient(135deg, var(--saffron-400) 0%, var(--gold-300) 50%, var(--green-300) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-bottom: var(--s5);
}

/* ── India Stats Grid — 8 cards ─────────────────────────────────── */
.india-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--s5);
}
@media (max-width: 900px) {
  .india-stats { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .india-stats { grid-template-columns: 1fr; }
}

.india-stat-card {
  background: var(--bg-300);
  border: 1px solid var(--b-gold);
  border-radius: var(--r-xl);
  padding: clamp(var(--s5), 3vw, var(--s7));
  position: relative;
  overflow: hidden;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.india-stat-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-400), transparent);
  opacity: 0.4;
}
.india-stat-card:hover {
  border-color: var(--b-gold-h);
  box-shadow: var(--sh-hover);
}

.isc-icon { font-size: 24px; margin-bottom: var(--s4); }

.isc-val {
  font-family: var(--fs);
  font-size: clamp(22px, 3.5vw, 34px);
  font-weight: 700;
  line-height: 1.1;
  color: var(--t0);
  margin-bottom: 4px;
}
.isc-val .isc-unit,
.isc-unit {
  font-size: 0.5em;
  color: var(--gold-400);
}
.isc-label {
  font-size: 13px;
  font-weight: 700;
  color: var(--t2);
  margin-bottom: 2px;
}
.isc-src { font-size: 11px; color: var(--t3); }

/* ── Money Flow Section ─────────────────────────────────────────── */
.money-flow {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: var(--s6);
  align-items: start;
}
@media (max-width: 700px) {
  .money-flow { grid-template-columns: 1fr; }
}

.mf-panel {
  background: var(--bg-300);
  border: 1px solid var(--b-subtle);
  border-radius: var(--r-xl);
  padding: var(--s6);
}
.mf-panel.inflow  { border-color: var(--green-600); }
.mf-panel.outflow { border-color: var(--saffron-500); }

.mf-heading {
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: var(--s5);
}
.mf-heading.in  { color: var(--green-300); }
.mf-heading.out { color: var(--saffron-400); }

.mf-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--s3) 0;
  border-bottom: 1px solid var(--b-subtle);
  font-size: 14px;
}
.mf-row:last-child { border-bottom: none; }

.mf-row .mv {
  font-family: var(--fs);
  font-weight: 700;
  font-size: 16px;
}
.mf-row .mv.green  { color: var(--green-300); }
.mf-row .mv.orange { color: var(--saffron-400); }

.mf-center {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--s3);
  text-align: center;
}
.mf-chakra-wrap { width: 80px; height: 80px; opacity: 0.45; }

/* ── Forex Callout Box ──────────────────────────────────────────── */
.forex-callout {
  background: linear-gradient(135deg, var(--bg-000) 0%, var(--bg-300) 100%);
  border: 1px solid var(--b-gold);
  border-radius: var(--r-2xl);
  padding: clamp(var(--s7), 6vw, 80px);
  position: relative;
  overflow: hidden;
}
.forex-callout::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 700px 400px at 50% 50%, rgba(184,146,46,0.07), transparent 65%);
  pointer-events: none;
}

.forex-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--s5);
  margin-top: var(--s7);
}
@media (max-width: 600px) {
  .forex-stats { grid-template-columns: 1fr; }
}

.fs-item { text-align: center; }
.fs-val {
  font-family: var(--fs);
  font-size: clamp(24px, 4vw, 40px);
  font-weight: 700;
  background: linear-gradient(135deg, var(--gold-300), var(--gold-500));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  display: block;
}
.fs-label {
  font-size: 12.5px;
  color: var(--t2);
  font-weight: 700;
  margin-top: 4px;
  display: block;
}

/* ── Risk Dot (MF Table) ────────────────────────────────────────── */
.risk-dot {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  margin-right: 6px;
  vertical-align: middle;
}

/* ── NRI Investment Route Cards ─────────────────────────────────── */
.route-card {
  background: var(--bg-300);
  border: 1px solid var(--b-subtle);
  border-radius: var(--r-xl);
  padding: var(--s6);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.route-card:hover {
  border-color: var(--b-gold);
  box-shadow: var(--sh-card);
}
.rc-tag {
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: var(--s3);
  display: block;
}