/* ═══════════════════════════════════════
   DESIGN TOKENS
═══════════════════════════════════════ */
:root {
  --ink:       #04142b;
  --ink-soft:  #3a5070;
  --ink-muted: #7a92b0;
  --blue-900:  #062654;
  --blue-700:  #0e4499;
  --blue-500:  #1769e0;
  --blue-400:  #3d85f0;
  --blue-100:  #e4eeff;
  --blue-50:   #f0f5ff;
  --gold:      #f0a500;
  --gold-soft: #fff8e6;
  --green:     #00b07a;
  --white:     #ffffff;
  --surface:   #f7faff;
  --border:    #e0e8f5;
  --shadow-sm: 0 2px 12px rgba(4,20,43,.07);
  --shadow-md: 0 8px 32px rgba(4,20,43,.11);
  --shadow-lg: 0 20px 60px rgba(4,20,43,.15);
  --r:         14px;
  --r-lg:      22px;
  --r-xl:      32px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Sora', sans-serif;
  color: var(--ink);
  background: var(--white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }

/* ─── TYPE SCALE ─── */
.display { font-family: 'Instrument Serif', serif; font-size: clamp(34px,5.5vw,80px); line-height: 1.07; font-weight: 400; letter-spacing: -1px; }
.display em { font-style: italic; color: var(--blue-500); }
.display-sm { font-family: 'Instrument Serif', serif; font-size: clamp(26px,3.5vw,52px); line-height: 1.12; font-weight: 400; }
.display-sm em { font-style: italic; color: var(--blue-500); }
.headline { font-size: clamp(20px,2.2vw,32px); font-weight: 700; line-height: 1.2; }
.subhead { font-size: 17px; font-weight: 400; color: var(--ink-soft); line-height: 1.7; }
.label { font-family: 'JetBrains Mono', monospace; font-size: 11px; font-weight: 500; letter-spacing: 2.5px; text-transform: uppercase; }
.mono { font-family: 'JetBrains Mono', monospace; }

/* ─── LAYOUT ─── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 40px; }
section { padding: 90px 0; }
.sr-only { position:absolute; width:1px; height:1px; overflow:hidden; clip:rect(0,0,0,0); }

/* ─── CHIP / TAG ─── */
.chip {
  display: inline-flex; align-items: center; gap: 7px;
  background: var(--blue-50); color: var(--blue-700);
  border: 1px solid var(--blue-100);
  border-radius: 100px; padding: 6px 16px;
  font-size: 12px; font-weight: 600; letter-spacing: .3px;
  margin-bottom: 22px;
}
.chip-dot { width: 6px; height: 6px; background: var(--blue-400); border-radius: 50%; animation: blink 2s infinite; }
.chip-gold { background: var(--gold-soft); color: #7a5500; border-color: #f5d88a; }
@keyframes blink { 0%,100%{opacity:1;} 50%{opacity:.3;} }

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 14px 26px; border-radius: 12px;
  font-family: 'Sora', sans-serif; font-size: 15px; font-weight: 600;
  cursor: pointer; border: none; transition: all .22s ease;
  white-space: nowrap;
}
.btn-primary { background: var(--blue-500); color: #fff; box-shadow: 0 4px 20px rgba(23,105,224,.35); }
.btn-primary:hover { background: var(--blue-700); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(23,105,224,.45); }
.btn-ghost { background: transparent; color: var(--blue-500); border: 1.5px solid var(--blue-100); }
.btn-ghost:hover { background: var(--blue-50); border-color: var(--blue-400); }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: var(--blue-900); transform: translateY(-2px); }
.btn-gold { background: var(--gold); color: #3a2000; font-weight: 700; box-shadow: 0 4px 18px rgba(240,165,0,.35); }
.btn-gold:hover { background: #e09800; transform: translateY(-2px); }
.btn-lg { padding: 17px 32px; font-size: 16px; border-radius: 14px; }
.btn-sm { padding: 10px 18px; font-size: 13px; border-radius: 9px; }

/* ─── APP STORE BUTTONS ─── */
.app-buttons { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }
.store-btn {
  display: inline-flex; align-items: center; gap: 12px;
  background: var(--ink); color: #fff;
  border-radius: 13px; padding: 11px 20px;
  transition: all .22s; cursor: pointer;
  border: 1.5px solid rgba(255,255,255,.1);
}
.store-btn:hover { background: var(--blue-900); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.store-btn.light { background: white; color: var(--ink); border-color: var(--border); }
.store-btn.light:hover { background: var(--blue-50); border-color: var(--blue-400); }
.store-icon { font-size: 26px; line-height: 1; }
.store-text { display: flex; flex-direction: column; }
.store-text-top { font-size: 10px; font-weight: 400; opacity: .7; line-height: 1; margin-bottom: 2px; }
.store-text-main { font-size: 15px; font-weight: 700; line-height: 1; }

/* ─── PHONE MOCKUP ─── */
.phone-wrap { position: relative; width: 260px; flex-shrink: 0; }
.phone-frame {
  width: 260px; background: var(--ink); border-radius: 40px; padding: 14px;
  box-shadow: 0 40px 80px rgba(4,20,43,.4), 0 0 0 1px rgba(255,255,255,.08);
  position: relative; overflow: hidden;
}
.phone-notch {
  width: 80px; height: 24px; background: var(--ink);
  border-radius: 0 0 16px 16px; margin: 0 auto 10px;
  position: relative; z-index: 10;
}
.phone-screen { background: #f0f5ff; border-radius: 28px; overflow: hidden; min-height: 480px; position: relative; }
.phone-status { background: var(--blue-700); padding: 10px 18px; display: flex; justify-content: space-between; align-items: center; }
.phone-status-txt { font-size: 9px; color: rgba(255,255,255,.8); font-weight: 600; letter-spacing: .5px; }
.phone-header { background: var(--blue-500); padding: 16px 18px 20px; }
.phone-greeting { font-size: 10px; color: rgba(255,255,255,.7); margin-bottom: 2px; }
.phone-name { font-size: 15px; font-weight: 700; color: #fff; margin-bottom: 14px; }
.phone-card { background: rgba(255,255,255,.15); border-radius: 12px; padding: 12px 14px; backdrop-filter: blur(8px); }
.phone-card-label { font-size: 9px; color: rgba(255,255,255,.7); margin-bottom: 3px; }
.phone-card-val { font-size: 20px; font-weight: 800; color: #fff; font-family: 'Instrument Serif', serif; }
.phone-card-change { font-size: 9px; color: #7fffcc; margin-top: 2px; }
.phone-body { padding: 14px 16px; }
.phone-section-title { font-size: 10px; font-weight: 700; color: var(--ink-soft); letter-spacing: .5px; margin-bottom: 10px; }
.phone-fund-row {
  display: flex; justify-content: space-between; align-items: center;
  background: #fff; border-radius: 10px; padding: 10px 12px; margin-bottom: 8px;
  box-shadow: 0 1px 6px rgba(4,20,43,.06);
}
.phone-fund-name { font-size: 9px; font-weight: 600; color: var(--ink); max-width: 110px; line-height: 1.3; }
.phone-fund-ret { font-size: 11px; font-weight: 700; color: var(--green); font-family: 'JetBrains Mono', monospace; }
.phone-sip-row { display: flex; gap: 8px; margin-top: 10px; }
.phone-pill { flex: 1; text-align: center; background: var(--blue-500); color: #fff; border-radius: 8px; padding: 9px 6px; font-size: 9px; font-weight: 700; }
.phone-pill.outline { background: var(--blue-50); color: var(--blue-700); }

/* ─── NAVBAR ─── */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 200;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(24px) saturate(180%);
  border-bottom: 1px solid var(--border);
  transition: box-shadow .3s;
}
nav.scrolled { box-shadow: var(--shadow-md); }
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 64px; max-width: 1180px; margin: 0 auto; padding: 0 24px;
}
.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.logo-mark {
  width: 36px; height: 36px;
  background: linear-gradient(135deg, var(--blue-700), var(--blue-400));
  border-radius: 10px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Instrument Serif', serif; font-size: 19px; color: #fff; font-weight: 400;
}
.logo-name { font-family: 'Instrument Serif', serif; font-size: 21px; color: var(--ink); letter-spacing: -.3px; white-space: nowrap; }
.logo-name span { color: var(--blue-500); }
.nav-menu { display: flex; align-items: center; gap: 2px; list-style: none; }
.nav-menu a { display: block; padding: 8px 12px; border-radius: 9px; font-size: 13px; font-weight: 500; color: var(--ink-soft); transition: all .18s; white-space: nowrap; }
.nav-menu a:hover { color: var(--blue-500); background: var(--blue-50); }
.nav-menu .nri-item a { color: #9a7000; font-weight: 600; }
.nav-menu .nri-item a:hover { background: var(--gold-soft); color: #7a5500; }
.nav-right { display: flex; align-items: center; gap: 10px; }
.nav-app-btn {
  display: flex; align-items: center; gap: 8px;
  background: var(--blue-500); color: #fff;
  border-radius: 10px; padding: 9px 16px;
  font-size: 13px; font-weight: 600; transition: all .2s; white-space: nowrap;
}
.nav-app-btn:hover { background: var(--blue-700); transform: translateY(-1px); }

/* Hamburger */
.nav-hamburger {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; padding: 6px; border-radius: 8px;
  background: transparent; border: none;
}
.nav-hamburger span { display: block; width: 22px; height: 2px; background: var(--ink); border-radius: 2px; transition: all .3s; }
.nav-hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* Mobile menu drawer */
.nav-mobile-menu {
  display: none; position: fixed; top: 64px; left: 0; right: 0; bottom: 0;
  background: rgba(255,255,255,.98); backdrop-filter: blur(20px);
  z-index: 199; flex-direction: column; padding: 24px;
  overflow-y: auto;
}
.nav-mobile-menu.open { display: flex; }
.nav-mobile-menu a {
  display: block; padding: 14px 16px; border-radius: 12px;
  font-size: 16px; font-weight: 600; color: var(--ink-soft);
  border-bottom: 1px solid var(--border); transition: all .18s;
}
.nav-mobile-menu a:hover { color: var(--blue-500); background: var(--blue-50); }
.nav-mobile-download {
  margin-top: 20px;
  background: var(--blue-500); color: #fff;
  border-radius: 14px; padding: 16px 20px;
  font-size: 16px; font-weight: 700; text-align: center;
}

/* ─── HERO ─── */
.hero {
  min-height: 100vh; background: var(--white);
  padding-top: 64px;
  display: flex; align-items: center;
  position: relative; overflow: hidden;
}
.hero-blob-1 { position: absolute; width: 700px; height: 700px; background: radial-gradient(ellipse, rgba(23,105,224,.09) 0%, transparent 70%); top: -100px; right: -100px; pointer-events: none; }
.hero-blob-2 { position: absolute; width: 500px; height: 500px; background: radial-gradient(ellipse, rgba(240,165,0,.06) 0%, transparent 70%); bottom: 50px; left: -100px; pointer-events: none; }
.hero-grid-bg { position: absolute; inset: 0; background-image: radial-gradient(var(--blue-100) 1.5px, transparent 1.5px); background-size: 36px 36px; opacity: .45; }
.hero-inner {
  position: relative; z-index: 2;
  max-width: 1180px; margin: 0 auto; padding: 60px 24px;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 50px; align-items: center; width: 100%;
}
.hero-eyebrow { margin-bottom: 20px; }
.hero-title { margin-bottom: 20px; }
.hero-sub { font-size: 17px; color: var(--ink-soft); line-height: 1.72; margin-bottom: 36px; max-width: 500px; }
.hero-app-section { margin-bottom: 36px; }
.hero-app-label { font-size: 13px; font-weight: 600; color: var(--ink-muted); margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
.hero-app-label::after { content: ''; flex: 1; height: 1px; background: var(--border); max-width: 120px; }
.hero-trust { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.hero-trust-item { display: flex; align-items: center; gap: 7px; font-size: 12px; color: var(--ink-muted); font-weight: 500; }
.trust-icon-sm { font-size: 14px; }

/* Hero Visuals */
.hero-visual {
  position: relative; display: flex; justify-content: center; align-items: flex-end;
  height: 520px; overflow: visible;
}
.phone-main { position: relative; z-index: 2; animation: floatMain 7s ease-in-out infinite; }
@keyframes floatMain { 0%,100%{transform:translateY(0);} 50%{transform:translateY(-16px);} }

/* Stats floating cards */
.float-card {
  position: absolute; background: #fff; border-radius: 16px;
  padding: 12px 16px; box-shadow: var(--shadow-lg);
  border: 1px solid var(--border); animation: floatCard 6s ease-in-out infinite; z-index: 10;
}
.float-card-1 { top: 50px; left: 0; animation-delay: 0s; }
.float-card-2 { top: 180px; right: 0; animation-delay: 2s; }
.float-card-3 { bottom: 90px; left: 0; animation-delay: 4s; }
@keyframes floatCard { 0%,100%{transform:translateY(0);} 50%{transform:translateY(-8px);} }
.fc-label { font-size: 10px; color: var(--ink-muted); font-weight: 500; margin-bottom: 4px; }
.fc-value { font-family: 'Instrument Serif', serif; font-size: 20px; color: var(--ink); font-weight: 400; line-height: 1; }
.fc-value.green { color: var(--green); }
.fc-sub { font-size: 10px; color: var(--ink-muted); margin-top: 3px; display: flex; align-items: center; gap: 4px; }
.fc-up { color: var(--green); font-weight: 600; }

/* ─── TRUST BANNER ─── */
.trust-banner { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 0; overflow-x: auto; }
.trust-scroll { display: flex; align-items: center; min-width: max-content; }
.trust-item {
  display: flex; align-items: center; gap: 10px;
  padding: 16px 24px; border-right: 1px solid var(--border);
  font-size: 13px; font-weight: 600; color: var(--ink-soft); white-space: nowrap;
}
.trust-item:last-child { border-right: none; }
.trust-item-icon { width: 32px; height: 32px; background: var(--blue-50); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 15px; flex-shrink: 0; }

/* ─── SECTION HEADER ─── */
.section-header { text-align: center; max-width: 620px; margin: 0 auto 56px; }
.section-header .subhead { margin-top: 16px; }

/* ─── HOW IT WORKS ─── */
.how-section { background: var(--white); }
.steps-row {
  display: grid; grid-template-columns: repeat(4,1fr);
  gap: 24px; position: relative;
}
.steps-row::after {
  content: ''; position: absolute;
  top: 34px; left: calc(12.5% + 10px); right: calc(12.5% + 10px);
  height: 1px;
  background: linear-gradient(90deg, var(--blue-100), var(--blue-400), var(--blue-100));
}
.step-item { display: flex; flex-direction: column; align-items: center; text-align: center; position: relative; z-index: 1; padding: 0 12px; }
.step-bubble {
  width: 68px; height: 68px;
  background: linear-gradient(135deg, var(--blue-700), var(--blue-400));
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: 'Instrument Serif', serif; font-size: 28px; color: #fff;
  margin-bottom: 22px; box-shadow: 0 8px 24px rgba(23,105,224,.28); transition: transform .3s;
}
.step-item:hover .step-bubble { transform: scale(1.08); }
.step-item h4 { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 10px; }
.step-item p { font-size: 14px; color: var(--ink-soft); line-height: 1.65; }
.step-app-badge { display: inline-flex; align-items: center; gap: 5px; margin-top: 12px; background: var(--blue-50); color: var(--blue-700); border-radius: 20px; padding: 4px 12px; font-size: 11px; font-weight: 600; }

/* ─── APP DOWNLOAD HERO SECTION ─── */
.app-section {
  background: linear-gradient(160deg, var(--blue-900) 0%, #0a2d7a 50%, var(--blue-700) 100%);
  padding: 90px 0; position: relative; overflow: hidden;
}
.app-section::before {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.04) 1.5px, transparent 1.5px);
  background-size: 28px 28px;
}
.app-section-inner {
  position: relative; z-index: 2;
  max-width: 1180px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 60px; align-items: center;
}
.app-section-text h2 { color: #fff; margin-bottom: 18px; }
.app-section-text h2 em { font-style: italic; color: var(--gold); }
.app-section-text .subhead { color: rgba(255,255,255,.65); margin-bottom: 36px; }
.app-features { display: flex; flex-direction: column; gap: 16px; margin-bottom: 40px; }
.app-feat { display: flex; gap: 14px; align-items: flex-start; }
.app-feat-icon { width: 40px; height: 40px; flex-shrink: 0; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.15); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 18px; }
.app-feat-title { font-size: 15px; font-weight: 600; color: #fff; margin-bottom: 3px; }
.app-feat-desc { font-size: 13px; color: rgba(255,255,255,.55); line-height: 1.55; }
.app-store-label { font-size: 12px; color: rgba(255,255,255,.5); font-weight: 500; margin-bottom: 14px; letter-spacing: .5px; }
.app-buttons-white .store-btn { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.2); color: #fff; }
.app-buttons-white .store-btn:hover { background: rgba(255,255,255,.18); }
.app-rating { display: flex; align-items: center; gap: 14px; margin-top: 18px; flex-wrap: wrap; }
.rating-stars { color: var(--gold); font-size: 16px; letter-spacing: 2px; }
.rating-text { font-size: 13px; color: rgba(255,255,255,.55); }
.app-visual { display: flex; justify-content: center; align-items: flex-end; position: relative; height: 480px; }
.phone-duo { display: flex; align-items: flex-end; position: relative; }
.phone-a { position: relative; z-index: 2; transform: translateX(20px); animation: floatA 7s ease-in-out infinite; }
.phone-b { position: relative; z-index: 1; transform: translateX(-20px) rotate(-5deg); animation: floatB 7s ease-in-out infinite 1s; }
@keyframes floatA { 0%,100%{transform:translateX(20px) translateY(0);} 50%{transform:translateX(20px) translateY(-14px);} }
@keyframes floatB { 0%,100%{transform:translateX(-20px) rotate(-5deg) translateY(0);} 50%{transform:translateX(-20px) rotate(-5deg) translateY(-10px);} }
.app-badge-float { position: absolute; top: 20px; right: 0; z-index: 10; background: #fff; border-radius: 14px; padding: 12px 16px; box-shadow: var(--shadow-lg); text-align: center; }
.abf-num { font-family: 'Instrument Serif', serif; font-size: 28px; color: var(--blue-500); }
.abf-txt { font-size: 10px; color: var(--ink-muted); font-weight: 500; margin-top: 2px; }

/* ─── FUNDS SECTION ─── */
.funds-section { background: var(--surface); }
.funds-tabs { display: flex; gap: 8px; justify-content: center; margin-bottom: 40px; flex-wrap: wrap; }
.ftab { padding: 9px 18px; border-radius: 100px; font-size: 13px; font-weight: 600; cursor: pointer; transition: all .2s; border: 1.5px solid var(--border); background: #fff; color: var(--ink-soft); }
.ftab.active, .ftab:hover { background: var(--blue-500); color: #fff; border-color: var(--blue-500); box-shadow: 0 4px 14px rgba(23,105,224,.28); }
.funds-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.fund-card {
  background: #fff; border-radius: var(--r-lg); border: 1px solid var(--border);
  padding: 24px; transition: all .3s; cursor: pointer; position: relative; overflow: hidden;
}
.fund-card::after { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--blue-500), var(--blue-400)); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.fund-card:hover { box-shadow: var(--shadow-lg); border-color: var(--blue-100); transform: translateY(-4px); }
.fund-card:hover::after { transform: scaleX(1); }
.fund-card-top { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 16px; }
.fund-logo { width: 44px; height: 44px; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-family: 'Instrument Serif', serif; font-size: 20px; font-weight: 700; }
.risk-pill { font-size: 10px; font-weight: 700; padding: 4px 10px; border-radius: 20px; letter-spacing: .3px; }
.risk-low { background: #e6f9f2; color: #006b4a; }
.risk-med { background: #fff7e0; color: #7a5500; }
.risk-high { background: #fff0ee; color: #b02010; }
.fund-name { font-size: 15px; font-weight: 700; color: var(--ink); margin-bottom: 4px; line-height: 1.3; }
.fund-cat { font-size: 12px; color: var(--ink-muted); font-weight: 500; }
.fund-returns { display: grid; grid-template-columns: repeat(3,1fr); gap: 6px; margin: 16px 0; padding: 14px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.ret-cell { text-align: center; }
.ret-val { font-family: 'Instrument Serif', serif; font-size: 18px; color: var(--green); }
.ret-period { font-size: 10px; color: var(--ink-muted); margin-top: 2px; }
.fund-footer { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 8px; }
.fund-sip { font-size: 12px; color: var(--ink-soft); }
.fund-sip strong { color: var(--blue-500); font-size: 14px; }
.fund-invest-btn { background: var(--blue-50); color: var(--blue-700); border: none; border-radius: 8px; padding: 8px 14px; font-size: 12px; font-weight: 700; cursor: pointer; transition: all .2s; font-family: 'Sora', sans-serif; white-space: nowrap; }
.fund-invest-btn:hover { background: var(--blue-500); color: #fff; }
.nri-fund-ribbon { position: absolute; top: 14px; right: -28px; background: var(--gold); color: #3a2000; font-size: 10px; font-weight: 700; padding: 4px 36px; transform: rotate(45deg); letter-spacing: .5px; }

/* ─── NRI SECTION ─── */
.nri-section { background: var(--white); padding: 90px 0; }
.nri-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.nri-text h2 { margin-bottom: 18px; }
.nri-text .subhead { margin-bottom: 32px; }
.nri-features { display: flex; flex-direction: column; gap: 16px; margin-bottom: 32px; }
.nri-feat { display: flex; gap: 14px; align-items: flex-start; padding: 16px; border-radius: var(--r); border: 1px solid var(--border); transition: all .25s; }
.nri-feat:hover { border-color: var(--blue-100); background: var(--blue-50); transform: translateX(4px); }
.nri-feat-icon { width: 44px; height: 44px; flex-shrink: 0; background: var(--blue-50); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.nri-feat-title { font-size: 14px; font-weight: 700; color: var(--ink); margin-bottom: 4px; }
.nri-feat-desc { font-size: 13px; color: var(--ink-soft); line-height: 1.6; }
.nri-app-cta { background: var(--surface); border-radius: var(--r-lg); padding: 24px; border: 1px solid var(--border); }
.nri-app-cta-title { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 6px; }
.nri-app-cta-sub { font-size: 13px; color: var(--ink-muted); margin-bottom: 18px; }
.nri-visual-card { background: linear-gradient(135deg, var(--blue-900), var(--blue-700)); border-radius: var(--r-xl); padding: 32px; position: relative; overflow: hidden; }
.nri-visual-card::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.04) 1px, transparent 1px); background-size: 20px 20px; }
.nri-card-header { position: relative; z-index: 1; margin-bottom: 24px; }
.nri-card-title { font-family: 'Instrument Serif', serif; font-size: 24px; color: #fff; margin-bottom: 6px; }
.nri-card-sub { font-size: 13px; color: rgba(255,255,255,.55); }
.countries { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 24px; position: relative; z-index: 1; }
.country-tag { display: flex; align-items: center; gap: 6px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); border-radius: 100px; padding: 6px 12px; font-size: 12px; color: rgba(255,255,255,.8); font-weight: 500; transition: all .2s; cursor: pointer; }
.country-tag:hover, .country-tag.active { background: rgba(255,255,255,.18); border-color: rgba(255,255,255,.3); }
.nri-steps { display: flex; flex-direction: column; gap: 12px; margin-bottom: 24px; position: relative; z-index: 1; }
.nri-step { display: flex; gap: 12px; align-items: flex-start; }
.nri-step-num { width: 26px; height: 26px; flex-shrink: 0; background: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; color: #3a2000; font-family: 'JetBrains Mono', monospace; }
.nri-step-body { font-size: 13px; color: rgba(255,255,255,.75); padding-top: 3px; line-height: 1.5; }
.nri-step-body strong { color: #fff; }
.nri-cta-row { position: relative; z-index: 1; }

/* ─── SIP CALCULATOR ─── */
.calc-section { background: var(--surface); }
.calc-inner { display: grid; grid-template-columns: 1fr 1.1fr; gap: 60px; align-items: center; }
.calc-text h2 { margin-bottom: 16px; }
.calc-text .subhead { margin-bottom: 28px; }
.calc-card { background: #fff; border-radius: var(--r-xl); padding: 32px; border: 1px solid var(--border); box-shadow: var(--shadow-md); }
.calc-row { margin-bottom: 22px; }
.calc-label { font-size: 13px; font-weight: 600; color: var(--ink-soft); margin-bottom: 10px; display: flex; justify-content: space-between; }
.calc-label span { color: var(--blue-500); font-family: 'JetBrains Mono', monospace; font-size: 14px; font-weight: 700; }
.calc-slider { width: 100%; appearance: none; height: 5px; background: var(--blue-100); border-radius: 3px; outline: none; }
.calc-slider::-webkit-slider-thumb { appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--blue-500); cursor: pointer; box-shadow: 0 2px 10px rgba(23,105,224,.4); border: 2px solid #fff; }
.calc-grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 22px; }
.calc-result { background: linear-gradient(135deg, var(--blue-700), var(--blue-500)); border-radius: var(--r-lg); padding: 20px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.calc-res-label { font-size: 11px; color: rgba(255,255,255,.65); margin-bottom: 5px; letter-spacing: .5px; }
.calc-res-val { font-family: 'Instrument Serif', serif; font-size: 26px; color: #fff; line-height: 1; }
.calc-res-val.highlight { color: var(--gold); font-size: 32px; }
.calc-cta { margin-top: 20px; width: 100%; text-align: center; background: var(--blue-500); color: #fff; border: none; border-radius: 12px; padding: 15px; font-size: 15px; font-weight: 700; cursor: pointer; font-family: 'Sora', sans-serif; transition: all .2s; display: flex; align-items: center; justify-content: center; gap: 10px; }
.calc-cta:hover { background: var(--blue-700); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.calc-disclaimer { font-size: 11px; color: var(--ink-muted); margin-top: 12px; text-align: center; }

/* ─── GOALS ─── */
.goals-section { background: var(--white); }
.goals-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.goal-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 24px 18px; text-align: center; cursor: pointer; transition: all .3s; position: relative; overflow: hidden; }
.goal-card::before { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--blue-500), var(--blue-400)); transform: scaleX(0); transition: transform .3s; }
.goal-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); background: #fff; border-color: var(--blue-100); }
.goal-card:hover::before { transform: scaleX(1); }
.goal-emoji { font-size: 36px; display: block; margin-bottom: 14px; }
.goal-card h4 { font-size: 14px; color: var(--ink); margin-bottom: 8px; font-weight: 700; }
.goal-card p { font-size: 12px; color: var(--ink-muted); line-height: 1.6; }
.goal-tenure { font-size: 11px; color: var(--blue-500); font-weight: 600; background: var(--blue-50); border-radius: 20px; padding: 3px 12px; display: inline-block; margin-top: 12px; font-family: 'JetBrains Mono', monospace; }

/* ─── TESTIMONIALS ─── */
.testi-section { background: var(--surface); }
.testi-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.testi-card { background: #fff; border-radius: var(--r-lg); border: 1px solid var(--border); padding: 28px; transition: all .3s; }
.testi-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.testi-quote { font-size: 32px; color: var(--blue-100); font-family: 'Instrument Serif', serif; line-height: 1; margin-bottom: 14px; }
.testi-text { font-size: 14px; color: var(--ink-soft); line-height: 1.75; margin-bottom: 22px; }
.testi-footer { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.testi-av { width: 42px; height: 42px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: 'Instrument Serif', serif; font-size: 18px; color: #fff; font-weight: 700; flex-shrink: 0; }
.testi-name { font-size: 14px; font-weight: 700; color: var(--ink); }
.testi-meta { font-size: 12px; color: var(--ink-muted); }
.testi-badge-nri { font-size: 10px; font-weight: 700; background: var(--gold-soft); color: #7a5500; border-radius: 20px; padding: 4px 10px; }
.testi-badge-in { font-size: 10px; font-weight: 700; background: var(--blue-50); color: var(--blue-700); border-radius: 20px; padding: 4px 10px; }
.testi-stars { color: var(--gold); font-size: 13px; margin-bottom: 14px; letter-spacing: 2px; }

/* ─── WHY ─── */
.why-section { background: var(--white); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.why-features-list { display: flex; flex-direction: column; gap: 16px; }
.why-feat { display: flex; gap: 16px; align-items: flex-start; padding: 20px; border-radius: var(--r); border: 1px solid var(--border); transition: all .25s; }
.why-feat:hover { border-color: var(--blue-100); background: var(--blue-50); box-shadow: var(--shadow-sm); }
.why-feat-icon { width: 48px; height: 48px; flex-shrink: 0; background: var(--blue-50); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 22px; transition: background .25s; }
.why-feat:hover .why-feat-icon { background: var(--blue-500); }
.why-feat h4 { font-size: 15px; font-weight: 700; color: var(--ink); margin-bottom: 6px; }
.why-feat p { font-size: 13px; color: var(--ink-soft); line-height: 1.6; }
.why-numbers-card { background: var(--surface); border-radius: var(--r-xl); padding: 32px; border: 1px solid var(--border); }
.wn-title { font-family: 'Instrument Serif', serif; font-size: 22px; color: var(--ink); margin-bottom: 24px; }
.wn-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 22px; }
.wn-stat { background: #fff; border-radius: var(--r); padding: 18px; border: 1px solid var(--border); text-align: center; }
.wn-num { font-family: 'Instrument Serif', serif; font-size: 30px; color: var(--blue-500); line-height: 1; }
.wn-label { font-size: 12px; color: var(--ink-muted); margin-top: 6px; }
.cert-badges { display: flex; gap: 10px; flex-wrap: wrap; }
.cert-badge { flex: 1; min-width: 70px; background: #fff; border: 1px solid var(--border); border-radius: 10px; padding: 12px 8px; text-align: center; }
.cert-badge-icon { font-size: 22px; display: block; margin-bottom: 6px; }
.cert-badge-txt { font-size: 10px; font-weight: 700; color: var(--ink); line-height: 1.3; }

/* ─── FINAL APP CTA ─── */
.final-cta { background: var(--ink); padding: 90px 0; position: relative; overflow: hidden; }
.final-cta::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 800px 600px at 50% 50%, rgba(23,105,224,.25), transparent 70%); }
.final-cta-inner { position: relative; z-index: 2; text-align: center; max-width: 720px; margin: 0 auto; padding: 0 24px; }
.final-cta h2 { color: #fff; margin-bottom: 18px; }
.final-cta p { color: rgba(255,255,255,.65); font-size: 17px; margin-bottom: 40px; line-height: 1.7; }
.final-app-buttons { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-bottom: 28px; }
.final-store-btn { display: flex; align-items: center; gap: 14px; background: rgba(255,255,255,.08); border: 1.5px solid rgba(255,255,255,.2); border-radius: 16px; padding: 16px 24px; cursor: pointer; transition: all .25s; color: #fff; }
.final-store-btn:hover { background: rgba(255,255,255,.15); border-color: rgba(255,255,255,.4); transform: translateY(-3px); }
.final-store-icon { font-size: 32px; }
.final-store-text-top { font-size: 11px; color: rgba(255,255,255,.6); margin-bottom: 3px; }
.final-store-text-main { font-size: 17px; font-weight: 700; color: #fff; }
.final-qr { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 10px; }
.final-qr-text { font-size: 13px; color: rgba(255,255,255,.5); text-align: left; line-height: 1.6; }

/* ─── BLOG ─── */
.blog-section { background: var(--surface); }
.blog-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 20px; }
.blog-card { background: #fff; border-radius: var(--r-lg); border: 1px solid var(--border); overflow: hidden; cursor: pointer; transition: all .3s; }
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.blog-thumb { height: 160px; display: flex; align-items: center; justify-content: center; font-size: 50px; }
.blog-card:first-child .blog-thumb { height: 200px; }
.blog-body { padding: 20px; }
.blog-cat { font-size: 10px; font-weight: 700; color: var(--blue-500); letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 10px; }
.blog-body h4 { font-size: 15px; font-weight: 700; color: var(--ink); line-height: 1.4; margin-bottom: 10px; }
.blog-card:not(:first-child) .blog-body h4 { font-size: 13px; }
.blog-body p { font-size: 13px; color: var(--ink-soft); line-height: 1.65; margin-bottom: 12px; }
.blog-meta { font-size: 11px; color: var(--ink-muted); font-family: 'JetBrains Mono', monospace; }
.blog-arrow { display: flex; align-items: center; gap: 5px; font-size: 12px; font-weight: 700; color: var(--blue-500); margin-top: 12px; }

/* ─── FOOTER ─── */
footer { background: var(--ink); padding: 64px 0 0; }
.footer-inner { max-width: 1180px; margin: 0 auto; padding: 0 24px 48px; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 40px; }
.footer-brand .logo-name { color: #fff; }
.footer-tagline { font-size: 14px; color: rgba(255,255,255,.45); line-height: 1.7; margin-top: 14px; margin-bottom: 22px; }
.footer-app-label { font-size: 11px; color: rgba(255,255,255,.4); font-weight: 600; margin-bottom: 10px; letter-spacing: 1px; text-transform: uppercase; }
.footer-app-btns { display: flex; gap: 8px; flex-wrap: wrap; }
.footer-app-btn { display: flex; align-items: center; gap: 8px; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); border-radius: 9px; padding: 8px 14px; font-size: 12px; color: rgba(255,255,255,.8); font-weight: 600; cursor: pointer; transition: all .2s; }
.footer-app-btn:hover { background: rgba(255,255,255,.14); }
.footer-app-row { margin-bottom: 22px; }
.footer-social { display: flex; gap: 8px; flex-wrap: wrap; }
.soc-btn { width: 34px; height: 34px; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 15px; cursor: pointer; transition: all .2s; }
.soc-btn:hover { background: var(--blue-500); border-color: var(--blue-500); }
.footer-col h5 { font-size: 13px; font-weight: 700; color: rgba(255,255,255,.85); margin-bottom: 18px; letter-spacing: .3px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 13px; color: rgba(255,255,255,.45); transition: color .2s; }
.footer-links a:hover { color: rgba(255,255,255,.9); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: 22px 24px; max-width: 1180px; margin: 0 auto; }
.footer-disclaimer { font-size: 11px; color: rgba(255,255,255,.28); line-height: 1.7; margin-bottom: 14px; }
.footer-copyright { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.footer-copy-text { font-size: 12px; color: rgba(255,255,255,.35); }
.footer-legal { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-legal a { font-size: 12px; color: rgba(255,255,255,.35); transition: color .2s; }
.footer-legal a:hover { color: rgba(255,255,255,.8); }

/* ─── FLOATING APP DOWNLOAD ─── */
.floating-download {
  position: fixed; bottom: 24px; right: 24px; z-index: 300;
  background: var(--blue-500); color: #fff;
  border-radius: 16px; padding: 13px 20px;
  display: flex; align-items: center; gap: 12px;
  box-shadow: 0 8px 30px rgba(23,105,224,.5);
  cursor: pointer; transition: all .25s;
  animation: slideUp .8s ease 1.5s both;
}
@keyframes slideUp { from{transform:translateY(100px);opacity:0;} to{transform:translateY(0);opacity:1;} }
.floating-download:hover { transform: translateY(-3px); box-shadow: 0 14px 40px rgba(23,105,224,.6); }
.fd-icons { display: flex; gap: 4px; }
.fd-icon { font-size: 18px; }
.fd-text-top { font-size: 10px; color: rgba(255,255,255,.7); line-height: 1; }
.fd-text-main { font-size: 14px; font-weight: 700; line-height: 1.2; }
.fd-arrow { font-size: 18px; opacity: .8; }

/* ─── SCROLL REVEAL ─── */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .65s ease, transform .65s ease; }
.reveal.in { opacity: 1; transform: none; }
.delay-1 { transition-delay: .12s; }
.delay-2 { transition-delay: .24s; }
.delay-3 { transition-delay: .36s; }
.delay-4 { transition-delay: .48s; }

/* ══════════════════════════════════════════
   RESPONSIVE — TABLET (max 1024px)
══════════════════════════════════════════ */
@media(max-width:1024px){
  .container { padding: 0 28px; }
  section { padding: 72px 0; }

  /* Nav */
  .nav-menu { display: none; }
  .nav-hamburger { display: flex; }

  /* Hero */
  .hero-inner {
    grid-template-columns: 1fr;
    padding: 60px 28px 40px;
    text-align: center;
    gap: 40px;
  }
  .hero-sub { max-width: 100%; }
  .hero-app-label { justify-content: center; }
  .hero-app-label::after { display: none; }
  .app-buttons { justify-content: center; }
  .hero-trust { justify-content: center; }
  .hero-visual {
    height: 380px;
    order: -1; /* phone above text on tablet */
  }
  .float-card { display: none; } /* hide floating cards on tablet/mobile */
  .phone-frame { width: 220px; border-radius: 34px; }
  .phone-screen { min-height: 400px; }

  /* App section */
  .app-section-inner { grid-template-columns: 1fr; gap: 40px; }
  .app-visual { height: 360px; order: -1; }
  .phone-duo { justify-content: center; }
  .phone-b { display: none; } /* hide second phone on tablet */
  .app-badge-float { right: 10px; top: 10px; }

  /* Steps */
  .steps-row { grid-template-columns: repeat(2,1fr); gap: 32px; }
  .steps-row::after { display: none; }

  /* Funds */
  .funds-grid { grid-template-columns: repeat(2,1fr); }

  /* Goals */
  .goals-grid { grid-template-columns: repeat(2,1fr); }

  /* NRI */
  .nri-inner { grid-template-columns: 1fr; gap: 40px; }

  /* Calculator */
  .calc-inner { grid-template-columns: 1fr; gap: 40px; }

  /* Testimonials */
  .testi-grid { grid-template-columns: 1fr 1fr; }

  /* Why */
  .why-grid { grid-template-columns: 1fr; gap: 40px; }

  /* Blog */
  .blog-grid { grid-template-columns: 1fr; }

  /* Footer */
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 36px; }
}

/* ══════════════════════════════════════════
   RESPONSIVE — MOBILE (max 640px)
══════════════════════════════════════════ */
@media(max-width:640px){
  .container { padding: 0 16px; }
  section { padding: 56px 0; }

  /* Nav */
  .nav-inner { padding: 0 16px; height: 60px; }
  .nav-app-btn { display: none; } /* shown in mobile menu instead */

  /* Hero */
  .hero { padding-top: 60px; }
  .hero-inner { padding: 40px 16px 32px; gap: 32px; }
  .hero-visual { height: 300px; }
  .phone-frame { width: 190px; border-radius: 30px; padding: 10px; }
  .phone-screen { min-height: 340px; border-radius: 22px; }
  .phone-card-val { font-size: 16px; }
  .hero-trust { gap: 12px; }
  .hero-trust-item { font-size: 11px; }
  .store-btn { padding: 10px 16px; }
  .store-text-main { font-size: 13px; }

  /* Trust banner */
  .trust-banner { overflow-x: auto; -webkit-overflow-scrolling: touch; }

  /* Steps */
  .steps-row { grid-template-columns: 1fr; gap: 24px; }

  /* Funds */
  .funds-grid { grid-template-columns: 1fr; }
  .funds-tabs { gap: 6px; }
  .ftab { padding: 8px 14px; font-size: 12px; }

  /* Goals */
  .goals-grid { grid-template-columns: repeat(2,1fr); gap: 12px; }
  .goal-card { padding: 18px 14px; }
  .goal-emoji { font-size: 30px; }
  .goal-card h4 { font-size: 13px; }

  /* NRI */
  .nri-visual-card { padding: 24px; }
  .countries { gap: 6px; }
  .country-tag { font-size: 11px; padding: 5px 10px; }

  /* Calculator */
  .calc-card { padding: 22px 18px; }
  .calc-grid2 { grid-template-columns: 1fr; }
  .calc-result { flex-direction: column; align-items: flex-start; gap: 10px; }
  .calc-res-val { font-size: 22px; }
  .calc-res-val.highlight { font-size: 28px; }

  /* Testimonials */
  .testi-grid { grid-template-columns: 1fr; }

  /* App section */
  .app-visual { height: 280px; }
  .app-section-inner { padding: 0 16px; }

  /* Why */
  .wn-grid { grid-template-columns: 1fr 1fr; }

  /* Blog */
  .blog-thumb { height: 140px; font-size: 40px; }
  .blog-card:first-child .blog-thumb { height: 160px; }

  /* Footer */
  .footer-inner { grid-template-columns: 1fr; gap: 28px; padding: 0 16px 40px; }
  .footer-bottom { padding: 18px 16px; }
  .footer-copyright { flex-direction: column; align-items: flex-start; }

  /* Final CTA */
  .final-app-buttons { flex-direction: column; align-items: center; }
  .final-store-btn { width: 100%; max-width: 280px; justify-content: center; }
  .final-cta-inner { padding: 0 16px; }

  /* Floating download */
  .floating-download { bottom: 16px; right: 16px; left: 16px; border-radius: 14px; justify-content: center; }

  /* NRI app cta buttons */
  .nri-app-cta .app-buttons { flex-direction: column; }
  .nri-app-cta .store-btn { width: 100%; justify-content: center; }
}

/* Extra small phones */
@media(max-width:380px){
  .goals-grid { grid-template-columns: 1fr; }
  .hero-trust { flex-direction: column; align-items: center; gap: 8px; }
  .hero-visual { height: 260px; }
  .phone-frame { width: 170px; }
}