/* ===========================================================
   SBB ENTERPRISES — Responsive Financial Services Website
   Palette: Deep Navy + Gold (matches brand posters)
   =========================================================== */

:root {
  --navy: #0A1F3D;
  --navy-2: #0B2A54;
  --navy-3: #12386b;
  --gold: #C9A227;
  --gold-2: #E4C15A;
  --blue: #1B6CA8;
  --ink: #1c2733;
  --muted: #5b6b7d;
  --line: #e6eaf0;
  --bg: #ffffff;
  --bg-soft: #f4f7fb;
  --bg-soft-2: #eef3f9;
  --white: #ffffff;
  --shadow-sm: 0 2px 10px rgba(10, 31, 61, .06);
  --shadow: 0 12px 32px rgba(10, 31, 61, .12);
  --radius: 16px;
  --radius-sm: 10px;
  --maxw: 1180px;
  --font: "Poppins", "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 88px; }

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

.container {
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 20px;
}

.section { padding: 82px 0; }
.section-soft { background: var(--bg-soft); }

.eyebrow {
  display: inline-block;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-head { text-align: center; max-width: 720px; margin: 0 auto 50px; }
.section-head h2 {
  font-size: clamp(1.7rem, 3.4vw, 2.5rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
}
.section-head p { color: var(--muted); margin-top: 14px; font-size: 1.02rem; }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-family: var(--font);
  font-weight: 600;
  font-size: .98rem;
  padding: 13px 24px;
  border-radius: 50px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn-gold { background: linear-gradient(135deg, var(--gold), var(--gold-2)); color: var(--navy); box-shadow: 0 8px 22px rgba(201,162,39,.35); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn-ghost:hover { background: rgba(255,255,255,.12); }
.btn-wa { background: #25D366; color: #fff; box-shadow: 0 8px 22px rgba(37,211,102,.35); }
.btn-outline { background:#fff; color: var(--navy); border-color: var(--line); }
.btn-lg { padding: 15px 30px; font-size: 1.05rem; }

/* ============ HEADER ============ */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 74px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand-badge {
  width: 50px; height: 50px; border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  display: grid; place-items: center; padding: 6px;
  box-shadow: var(--shadow-sm); flex: none;
}
.brand-badge img { width: 100%; height: 100%; object-fit: contain; }
.brand-name { display: block; font-weight: 800; color: var(--navy); font-size: 1.18rem; line-height: 1; letter-spacing: .3px; }
.brand-tag { display: block; font-size: .66rem; letter-spacing: .22em; color: var(--gold); font-weight: 600; text-transform: uppercase; margin-top: 3px; }

.nav-links { display: flex; align-items: center; gap: 6px; }
.nav-links a {
  font-weight: 500; font-size: .95rem; color: var(--ink);
  padding: 9px 14px; border-radius: 8px; transition: color .15s, background .15s;
}
.nav-links a:hover { color: var(--navy); background: var(--bg-soft); }
.nav-cta { margin-left: 10px; }

.hamburger { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.hamburger span { display: block; width: 26px; height: 3px; background: var(--navy); border-radius: 3px; margin: 5px 0; transition: .3s; }
.hamburger.active span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* Hero background art (trading chart) */
.hero-art { position: absolute; inset: 0; z-index: 1; pointer-events: none; opacity: .85; }
.hero-art svg { width: 100%; height: 100%; }

/* ============ REVIEWS ============ */
.reviews-summary {
  display: flex; align-items: center; justify-content: space-between; gap: 22px; flex-wrap: wrap;
  background: #fff; border: 1px solid var(--line); border-radius: 18px;
  padding: 22px 28px; margin-bottom: 30px; box-shadow: var(--shadow-sm);
}
.reviews-summary .rate { display: flex; align-items: center; gap: 18px; }
.reviews-summary .big-num { font-size: 3rem; font-weight: 800; color: var(--navy); line-height: 1; }
.reviews-summary .rs-stars { color: #FFC107; font-size: 1.25rem; letter-spacing: 2px; }
.reviews-summary .rs-meta { color: var(--muted); font-size: .9rem; display: flex; align-items: center; gap: 6px; margin-top: 4px; }
.review-track {
  display: flex; gap: 20px; overflow-x: auto; padding: 6px 2px 20px;
  scroll-snap-type: x mandatory; scrollbar-width: thin;
}
.review-track::-webkit-scrollbar { height: 8px; }
.review-track::-webkit-scrollbar-thumb { background: var(--line); border-radius: 50px; }
.review-card {
  flex: 0 0 310px; scroll-snap-align: start; background: #fff; border: 1px solid var(--line);
  border-radius: 16px; padding: 22px; box-shadow: var(--shadow-sm); position: relative;
  transition: transform .18s, box-shadow .18s;
}
.review-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.rc-head { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
.rc-avatar {
  width: 46px; height: 46px; border-radius: 50%; flex: none; display: grid; place-items: center;
  color: #fff; font-weight: 700; font-size: 1.05rem;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
}
.rc-name { font-weight: 600; color: var(--navy); display: flex; align-items: center; gap: 5px; font-size: .98rem; }
.rc-name svg { flex: none; }
.rc-date { font-size: .78rem; color: var(--muted); }
.rc-stars { color: #FFC107; letter-spacing: 1px; margin-bottom: 8px; }
.review-card p { color: var(--ink); font-size: .92rem; }
.rc-gmark { position: absolute; top: 20px; right: 20px; }
.reviews-hint {
  text-align: center; font-size: .82rem; color: var(--muted); margin-top: 4px;
  background: var(--bg-soft); border: 1px dashed var(--line); border-radius: 10px; padding: 10px 14px;
}

/* ============ DETAIL PAGES ============ */
.detail-hero {
  position: relative; color: #fff; padding: 42px 0 56px;
  background: radial-gradient(900px 500px at 85% -20%, rgba(27,108,168,.35), transparent 60%),
              linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 60%, #0e2f5e 100%);
}
.breadcrumb { font-size: .85rem; color: rgba(255,255,255,.7); margin-bottom: 22px; }
.breadcrumb a:hover { color: var(--gold-2); }
.dh-icon {
  width: 74px; height: 74px; border-radius: 18px; display: grid; place-items: center;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18);
  font-size: 2.2rem; margin-bottom: 18px;
}
.detail-hero h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 800; line-height: 1.15; }
.detail-hero .dh-tagline { color: rgba(255,255,255,.82); margin-top: 12px; max-width: 640px; font-size: 1.05rem; }
.dh-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 26px; }
.detail-grid { display: grid; grid-template-columns: 1.6fr .9fr; gap: 40px; align-items: start; }
.detail-h { color: var(--navy); font-size: 1.5rem; margin-bottom: 12px; }
.detail-overview { color: var(--muted); font-size: 1.02rem; margin-bottom: 28px; }
.detail-h3 { color: var(--navy); font-size: 1.2rem; margin-bottom: 16px; }
.detail-points { display: grid; gap: 13px; }
.detail-points li { position: relative; padding-left: 34px; color: var(--ink); font-size: .98rem; }
.detail-points li::before {
  content: "✓"; position: absolute; left: 0; top: 0; width: 23px; height: 23px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-2)); color: var(--navy);
  display: grid; place-items: center; font-size: .78rem; font-weight: 800;
}
.side-card {
  position: sticky; top: 96px; background: #fff; border: 1px solid var(--line);
  border-radius: 18px; padding: 26px; box-shadow: var(--shadow);
}
.side-card h3 { color: var(--navy); font-size: 1.2rem; margin-bottom: 8px; }
.side-card > p { color: var(--muted); font-size: .92rem; margin-bottom: 18px; }
.side-card .btn { width: 100%; justify-content: center; margin-bottom: 10px; }
.side-contact { margin-top: 14px; padding-top: 16px; border-top: 1px solid var(--line); font-size: .86rem; color: var(--muted); }
.other-services { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.other-services a {
  background: #fff; border: 1px solid var(--line); border-radius: 50px; padding: 11px 20px;
  font-weight: 600; color: var(--navy); font-size: .92rem; box-shadow: var(--shadow-sm);
  transition: transform .15s, color .15s;
}
.other-services a:hover { transform: translateY(-3px); color: var(--blue); }
@media (max-width: 820px) { .detail-grid { grid-template-columns: 1fr; } .side-card { position: static; } }

/* Make service cards & pills look clickable */
a.pill, a.card-clickable { text-decoration: none; }

/* ============ FAQ ============ */
.faq-list { max-width: 820px; margin: 0 auto; display: grid; gap: 14px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; transition: box-shadow .18s, border-color .18s; }
.faq-item.open { box-shadow: var(--shadow-sm); border-color: var(--gold); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  background: none; border: none; cursor: pointer; text-align: left; font-family: var(--font);
  font-weight: 600; font-size: 1.02rem; color: var(--navy); padding: 20px 22px;
}
.faq-ico { position: relative; flex: none; width: 26px; height: 26px; border-radius: 50%; background: var(--bg-soft); }
.faq-ico::before, .faq-ico::after {
  content: ""; position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  background: var(--gold); border-radius: 2px;
}
.faq-ico::before { width: 12px; height: 2.5px; }
.faq-ico::after { width: 2.5px; height: 12px; transition: transform .2s; }
.faq-item.open .faq-ico { background: var(--navy); }
.faq-item.open .faq-ico::before, .faq-item.open .faq-ico::after { background: var(--gold-2); }
.faq-item.open .faq-ico::after { transform: translate(-50%,-50%) scaleY(0); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .28s ease; }
.faq-a p { padding: 0 22px 20px; color: var(--muted); font-size: .95rem; }

/* ============ CONTACT MAP ============ */
.contact-map {
  margin-top: 34px; border-radius: 18px; overflow: hidden;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm); line-height: 0;
}
.contact-map iframe { width: 100%; height: 380px; border: 0; display: block; }

/* Language toggle */
.lang-toggle {
  font-family: var(--font); font-weight: 600; font-size: .85rem;
  color: var(--navy); background: var(--bg-soft); border: 1.5px solid var(--line);
  padding: 7px 14px; border-radius: 50px; cursor: pointer; margin-left: 6px;
  transition: background .15s, border-color .15s, color .15s;
}
.lang-toggle:hover { background: var(--navy); color: #fff; border-color: var(--navy); }

/* Google reviews badge */
.google-badge {
  display: inline-flex; align-items: center; gap: 9px; flex-wrap: wrap;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2);
  padding: 8px 14px; border-radius: 12px; margin: 4px 0 26px; font-size: .9rem;
}
.google-badge .g { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; }
.google-badge .stars { color: #FFC107; letter-spacing: 1px; }
.google-badge b { color: #fff; }
.google-badge .rev { color: rgba(255,255,255,.75); font-size: .82rem; }
.google-badge .chip {
  background: var(--gold); color: var(--navy); font-weight: 600; font-size: .72rem;
  padding: 3px 9px; border-radius: 50px;
}

.map-btn { margin-top: 24px; }

/* Hindi typography */
html[lang="hi"] body,
html[lang="hi"] .btn,
html[lang="hi"] input,
html[lang="hi"] select,
html[lang="hi"] textarea { font-family: "Hind", "Poppins", system-ui, sans-serif; }
html[lang="hi"] .eyebrow, html[lang="hi"] .brand-tag { letter-spacing: .04em; }

/* ============ HERO ============ */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 600px at 85% -10%, rgba(27,108,168,.35), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, #0e2f5e 100%);
  color: #fff; overflow: hidden;
}
.hero::after {
  content:""; position:absolute; inset:0;
  background-image: radial-gradient(rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 22px 22px; opacity:.5; pointer-events:none;
}
.hero-grid {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: center;
  padding: 74px 0 84px;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18);
  padding: 7px 15px; border-radius: 50px; font-size: .82rem; font-weight: 500; margin-bottom: 22px;
}
.hero-badge b { color: var(--gold-2); }
.hero h1 { font-size: clamp(2rem, 4.6vw, 3.35rem); line-height: 1.12; font-weight: 800; letter-spacing: -.5px; }
.hero h1 span { color: var(--gold-2); }
.hero p.lead { margin: 20px 0 30px; font-size: 1.1rem; color: rgba(255,255,255,.82); max-width: 560px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-trust { display: flex; gap: 26px; margin-top: 38px; flex-wrap: wrap; }
.hero-trust .t { }
.hero-trust .t b { display: block; font-size: 1.7rem; color: var(--gold-2); font-weight: 800; line-height: 1; }
.hero-trust .t span { font-size: .82rem; color: rgba(255,255,255,.72); }

/* Hero quick-quote card */
.quote-card {
  background: #fff; color: var(--ink); border-radius: 20px; padding: 26px;
  box-shadow: 0 24px 60px rgba(0,0,0,.3);
}
.quote-card h3 { color: var(--navy); font-size: 1.25rem; margin-bottom: 4px; }
.quote-card p.sub { color: var(--muted); font-size: .88rem; margin-bottom: 18px; }
.field { margin-bottom: 13px; }
.field label { display: block; font-size: .8rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; font-family: var(--font); font-size: .95rem;
  padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px;
  background: var(--bg-soft); color: var(--ink); transition: border .15s, background .15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--gold); background: #fff;
}
.field textarea { resize: vertical; min-height: 84px; }
.quote-card .btn { width: 100%; justify-content: center; margin-top: 6px; }
.form-note { font-size: .76rem; color: var(--muted); text-align: center; margin-top: 12px; }

/* ============ TRUST STRIP ============ */
.strip { background: var(--navy); }
.strip .container { display: flex; flex-wrap: wrap; justify-content: space-around; gap: 16px; padding: 22px 20px; }
.strip .item { display: flex; align-items: center; gap: 11px; color: #fff; font-weight: 500; font-size: .95rem; }
.strip .item svg { flex: none; }
.strip .item b { color: var(--gold-2); }

/* ============ SERVICES ============ */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; transition: transform .2s, box-shadow .2s, border-color .2s;
  position: relative; overflow: hidden;
}
.card::before {
  content:""; position:absolute; top:0; left:0; right:0; height:4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-2)); transform: scaleX(0);
  transform-origin: left; transition: transform .25s;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.card:hover::before { transform: scaleX(1); }
.card-ico {
  width: 58px; height: 58px; border-radius: 14px; display: grid; place-items: center;
  background: linear-gradient(135deg, rgba(201,162,39,.16), rgba(27,108,168,.14));
  color: var(--navy); margin-bottom: 18px;
}
.card h3 { color: var(--navy); font-size: 1.22rem; margin-bottom: 9px; }
.card p { color: var(--muted); font-size: .94rem; margin-bottom: 14px; }
.card ul li {
  position: relative; padding-left: 22px; font-size: .9rem; color: var(--ink); margin-bottom: 7px;
}
.card ul li::before {
  content:""; position:absolute; left:0; top:9px; width:8px; height:8px; border-radius:50%;
  background: var(--gold);
}
.card .card-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; color: var(--blue); font-weight: 600; font-size: .92rem; }
.card .card-link:hover { gap: 10px; }

/* Insurance sub-grid */
.pill-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 6px; }
.pill {
  display: flex; align-items: flex-start; gap: 14px; background: #fff; border: 1px solid var(--line);
  border-radius: 14px; padding: 18px; transition: transform .18s, box-shadow .18s;
}
.pill:hover { transform: translateY(-4px); box-shadow: var(--shadow-sm); }
.pill .pi { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; flex: none; background: var(--bg-soft-2); color: var(--navy); }
.pill b { display: block; color: var(--navy); font-size: 1rem; margin-bottom: 4px; }
.pill span { display: block; font-size: .84rem; color: var(--muted); line-height: 1.45; }

/* ============ WHY US ============ */
.why-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 22px; }
.why {
  text-align: center; padding: 30px 20px; background: #fff; border-radius: var(--radius);
  border: 1px solid var(--line); transition: transform .2s, box-shadow .2s;
}
.why:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.why .wi {
  width: 66px; height: 66px; margin: 0 auto 16px; border-radius: 50%;
  display: grid; place-items: center; color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
}
.why h4 { color: var(--navy); font-size: 1.08rem; margin-bottom: 7px; }
.why p { color: var(--muted); font-size: .9rem; }

/* ============ STEPS ============ */
.steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 22px; counter-reset: step; }
.step { position: relative; padding: 30px 22px; background: #fff; border-radius: var(--radius); border: 1px solid var(--line); }
.step .num {
  width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--gold), var(--gold-2)); color: var(--navy);
  font-weight: 800; font-size: 1.15rem; margin-bottom: 16px;
}
.step h4 { color: var(--navy); margin-bottom: 7px; font-size: 1.06rem; }
.step p { color: var(--muted); font-size: .9rem; }

/* ============ PARTNERS ============ */
.partners { text-align: center; }
.partner-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 30px; }
.partner {
  background: #fff; border: 1px solid var(--line); border-radius: 12px;
  padding: 14px 22px; font-weight: 600; color: var(--navy); font-size: .95rem;
  box-shadow: var(--shadow-sm); transition: transform .18s;
}
.partner:hover { transform: translateY(-3px); }
.partner small { display:block; font-weight:500; color: var(--muted); font-size:.72rem; }

/* ============ TEAM ============ */
.team-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 26px; }
.member {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; text-align: center; transition: transform .2s, box-shadow .2s;
}
.member:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.member .avatar {
  height: 150px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  color: var(--gold-2); font-size: 2.6rem; font-weight: 800;
}
.member .info { padding: 22px; }
.member h4 { color: var(--navy); font-size: 1.18rem; }
.member .role { color: var(--gold); font-weight: 600; font-size: .86rem; text-transform: uppercase; letter-spacing: .08em; margin: 4px 0 10px; }
.member p { color: var(--muted); font-size: .88rem; }

/* ============ CTA BANNER ============ */
.cta-banner {
  background:
    radial-gradient(700px 400px at 80% 0%, rgba(201,162,39,.28), transparent 60%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
  color: #fff; border-radius: 24px; padding: 52px 44px;
  display: flex; align-items: center; justify-content: space-between; gap: 30px; flex-wrap: wrap;
}
.cta-banner h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
.cta-banner p { color: rgba(255,255,255,.8); margin-top: 8px; }
.cta-banner .btns { display: flex; gap: 14px; flex-wrap: wrap; }

/* ============ ENQUIRY ============ */
.enquiry-wrap { display: grid; grid-template-columns: .9fr 1.1fr; gap: 40px; align-items: stretch; }
.enquiry-info { }
.enquiry-info h2 { color: var(--navy); font-size: clamp(1.6rem,3vw,2.3rem); line-height: 1.2; }
.enquiry-info p { color: var(--muted); margin: 14px 0 26px; }
.contact-list { display: grid; gap: 16px; }
.contact-item { display: flex; gap: 15px; align-items: flex-start; }
.contact-item .ci {
  width: 48px; height: 48px; border-radius: 12px; flex: none; display: grid; place-items: center;
  background: linear-gradient(135deg, rgba(201,162,39,.18), rgba(27,108,168,.14)); color: var(--navy);
}
.contact-item b { color: var(--navy); display: block; font-size: .96rem; }
.contact-item span, .contact-item a { color: var(--muted); font-size: .92rem; }
.contact-item a:hover { color: var(--blue); }

.enquiry-form {
  background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 32px;
  box-shadow: var(--shadow);
}
.enquiry-form h3 { color: var(--navy); font-size: 1.3rem; margin-bottom: 4px; }
.enquiry-form p.sub { color: var(--muted); font-size: .9rem; margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.enquiry-form .btn { width: 100%; justify-content: center; margin-top: 8px; }

/* ============ FOOTER ============ */
.footer { background: var(--navy); color: rgba(255,255,255,.72); padding: 58px 0 26px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 34px; }
.footer h5 { color: #fff; font-size: 1.02rem; margin-bottom: 16px; letter-spacing:.02em; }
.footer .brand-name { color: #fff; }
.footer p { font-size: .9rem; margin-top: 12px; }
.footer ul li { margin-bottom: 9px; }
.footer ul li a { font-size: .9rem; transition: color .15s; }
.footer ul li a:hover { color: var(--gold-2); }
.footer .fcontact li { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; margin-bottom: 12px; }
.footer .fcontact svg { flex: none; margin-top: 3px; color: var(--gold-2); }
.socials { display: flex; gap: 10px; margin-top: 16px; }
.socials a {
  width: 40px; height: 40px; border-radius: 10px; display: grid; place-items: center;
  background: rgba(255,255,255,.08); color: #fff; transition: background .18s, transform .18s;
}
.socials a:hover { background: var(--gold); color: var(--navy); transform: translateY(-3px); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12); margin-top: 40px; padding-top: 22px;
  display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: .84rem;
}

/* Floating WhatsApp */
.wa-float {
  position: fixed; right: 20px; bottom: 20px; z-index: 90;
  width: 58px; height: 58px; border-radius: 50%; background: #25D366; color: #fff;
  display: grid; place-items: center; box-shadow: 0 10px 26px rgba(37,211,102,.5);
  animation: pulse 2.4s infinite;
}
@keyframes pulse { 0%{box-shadow:0 0 0 0 rgba(37,211,102,.5)} 70%{box-shadow:0 0 0 16px rgba(37,211,102,0)} 100%{box-shadow:0 0 0 0 rgba(37,211,102,0)} }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ============ RESPONSIVE ============ */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; }
  .quote-card { max-width: 460px; }
  .cards, .why-grid, .steps, .team-grid, .pill-grid { grid-template-columns: repeat(2,1fr); }
  .enquiry-wrap { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 820px) {
  .nav-links {
    position: fixed; top: 74px; right: 0; height: calc(100vh - 74px); width: min(78vw, 320px);
    flex-direction: column; align-items: stretch; gap: 4px; background: #fff;
    padding: 22px; box-shadow: -10px 0 30px rgba(0,0,0,.12);
    transform: translateX(100%); transition: transform .3s ease;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-links a { padding: 14px 12px; border-radius: 10px; }
  .nav-cta { margin: 10px 0 0; }
  .nav-cta .btn { width: 100%; justify-content: center; }
  .hamburger { display: block; }
}

@media (max-width: 620px) {
  .section { padding: 60px 0; }
  .cards, .why-grid, .steps, .team-grid, .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .cta-banner { padding: 36px 24px; flex-direction: column; text-align: center; }
  .cta-banner .btns { justify-content: center; }
  .hero-trust { gap: 20px; }
  .strip .container { justify-content: flex-start; }
}

/* ============ INVESTMENT PRODUCTS + CTA ============ */
.products-band { margin-top: 44px; text-align: center; }
.products-band h3 { color: var(--navy); font-size: 1.15rem; margin-bottom: 18px; }
.product-tags { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; max-width: 900px; margin: 0 auto; }
.product-tags span {
  background: #fff; border: 1px solid var(--line); color: var(--navy); font-weight: 600;
  font-size: .86rem; padding: 8px 16px; border-radius: 50px; box-shadow: var(--shadow-sm);
  transition: transform .15s, border-color .15s;
}
.product-tags span:hover { transform: translateY(-2px); border-color: var(--gold); }
.invest-cta { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 36px; }
.invest-note { text-align: center; color: var(--muted); font-size: .9rem; margin: 18px auto 0; max-width: 700px; }

/* ============ SIP CALCULATOR ============ */
.calc-wrap { display: grid; grid-template-columns: 1.1fr .9fr; gap: 30px; align-items: stretch; }
.calc-controls { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 30px; box-shadow: var(--shadow-sm); }
.calc-field { margin-bottom: 28px; }
.calc-field:last-child { margin-bottom: 4px; }
.calc-label { display: flex; justify-content: space-between; align-items: center; margin-bottom: 14px; gap: 10px; }
.calc-label span { color: var(--muted); font-size: .92rem; font-weight: 500; }
.calc-label b { color: var(--navy); font-size: 1.08rem; background: var(--bg-soft-2); padding: 5px 14px; border-radius: 8px; white-space: nowrap; }
.calc-field input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 50px; background: var(--line); outline: none; }
.calc-field input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%; background: linear-gradient(135deg, var(--gold), var(--gold-2)); border: 3px solid #fff; box-shadow: 0 2px 6px rgba(10,31,61,.25); cursor: pointer; }
.calc-field input[type=range]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--gold); border: 3px solid #fff; cursor: pointer; }
.calc-result { background: linear-gradient(160deg, var(--navy), var(--navy-2)); color: #fff; border-radius: 18px; padding: 30px; display: flex; flex-direction: column; }
.calc-row { display: flex; justify-content: space-between; align-items: center; padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.calc-row span { color: rgba(255,255,255,.75); font-size: .95rem; }
.calc-row b { font-size: 1.12rem; }
.calc-row b.gain { color: var(--gold-2); }
.calc-total { display: flex; justify-content: space-between; align-items: center; padding: 18px 0 20px; }
.calc-total span { font-size: 1rem; }
.calc-total b { font-size: 1.85rem; color: var(--gold-2); line-height: 1; }
.calc-result .btn { width: 100%; justify-content: center; margin-top: auto; }
.calc-note { color: rgba(255,255,255,.6); font-size: .76rem; margin-top: 14px; text-align: center; }
@media (max-width: 820px) { .calc-wrap { grid-template-columns: 1fr; } }

/* ============ BRAND LOGO (real SBB logo) ============ */
.brand-logo { height: 56px; width: auto; display: block; }
.footer-brand { margin-bottom: 10px; }
.footer .brand-name { color: #fff; font-size: 1.3rem; }
.footer .brand-tag { color: var(--gold); }
@media (max-width: 620px) { .brand-logo { height: 44px; } }

/* ============ LOANS BAND ============ */
.loans-band { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; margin-top: 40px;
  background: linear-gradient(135deg, rgba(201,162,39,.12), rgba(27,108,168,.10));
  border: 1px solid var(--line); border-radius: 18px; padding: 26px 30px; }
.loans-ico { width: 60px; height: 60px; border-radius: 14px; flex: none; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--navy), var(--navy-3)); color: var(--gold-2); }
.loans-text { flex: 1; min-width: 220px; }
.loans-text h3 { color: var(--navy); font-size: 1.2rem; }
.loans-text p { color: var(--muted); font-size: .94rem; margin-top: 4px; }
.loans-actions { display: flex; gap: 12px; flex-wrap: wrap; }
@media (max-width: 620px) { .loans-actions { width: 100%; } .loans-actions .btn { width: 100%; justify-content: center; } }

/* ============ USEFUL LINKS ============ */
.links-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 14px; }
.link-tile { display: flex; flex-direction: column; gap: 4px; background: #fff; border: 1px solid var(--line);
  border-radius: 14px; padding: 18px 20px; box-shadow: var(--shadow-sm); transition: transform .15s, border-color .15s; }
.link-tile:hover { transform: translateY(-4px); border-color: var(--gold); }
.lt-top { display: flex; align-items: center; justify-content: space-between; color: var(--navy); }
.lt-top b { font-size: 1.05rem; }
.lt-top svg { color: var(--muted); }
.link-tile span[data-hi], .link-tile > span:last-child { color: var(--muted); font-size: .8rem; }
@media (max-width: 900px) { .links-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 520px) { .links-grid { grid-template-columns: repeat(2, 1fr); } }

/* ============ TOAST (form success) ============ */
.sbb-toast {
  position: fixed; left: 50%; bottom: 26px; transform: translate(-50%, 20px);
  background: var(--navy); color: #fff; padding: 14px 22px; border-radius: 12px;
  box-shadow: var(--shadow); font-weight: 600; font-size: .95rem; z-index: 200;
  opacity: 0; pointer-events: none; transition: opacity .25s ease, transform .25s ease;
  max-width: 90vw; text-align: center; border: 1px solid rgba(255,255,255,.12);
}
.sbb-toast.show { opacity: 1; transform: translate(-50%, 0); }

/* Trustindex reviews widget */
.trustindex-widget { max-width: 1100px; margin: 0 auto; min-height: 60px; }

/* ============ PRIVACY / POLICY PAGE ============ */
.policy-wrap { max-width: 860px; margin: 0 auto; }
.policy-wrap > p { color: var(--muted); margin-bottom: 16px; line-height: 1.75; }
.policy-wrap ul { margin: 0 0 20px; }
.policy-wrap li { position: relative; padding-left: 22px; color: var(--ink); margin-bottom: 8px; line-height: 1.6; }
.policy-wrap li::before { content: ""; position: absolute; left: 0; top: 10px; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }
.policy-wrap a { color: var(--blue); font-weight: 600; }
.policy-h { color: var(--navy); font-size: 1.3rem; margin: 32px 0 12px; }