/* =============================================
   AL-MUSHRIQAH INVESTMENTS — MAIN STYLESHEET
   Premium Dubai Financial Institution Design
   ============================================= */

:root {
  --navy: #0F172A;
  --navy-mid: #1E293B;
  --navy-light: #334155;
  --gold: #F59E0B;
  --gold-light: #FBBF24;
  --gold-pale: #FEF3C7;
  --white: #FFFFFF;
  --gray-bg: #F3F4F6;
  --charcoal: #1F2937;
  --text-muted: #6B7280;
  --text-light: #9CA3AF;
  --border: rgba(245,158,11,0.2);
  --border-light: rgba(255,255,255,0.08);
  --glass-bg: rgba(255,255,255,0.04);
  --glass-bg-light: rgba(255,255,255,0.85);
  --shadow-gold: 0 0 40px rgba(245,158,11,0.15);
  --shadow-card: 0 20px 60px rgba(0,0,0,0.12);
  --transition: all 0.35s cubic-bezier(0.4,0,0.2,1);
  --radius: 16px;
  --radius-sm: 10px;
}

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

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

body {
  font-family: 'Poppins', sans-serif;
  color: var(--charcoal);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.7;
}

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

/* ——— UTILITIES ——— */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 100px 0; }
.dark-section { background: var(--navy); }
.center-btn { text-align: center; margin-top: 48px; }

.gold-text { color: var(--gold); }
.light { color: var(--white) !important; }

.section-label {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
  padding: 6px 16px;
  border: 1px solid var(--border);
  border-radius: 40px;
  background: rgba(245,158,11,0.06);
}
.logo-image {
  width: 65px;
  height: 65px;
  object-fit: contain;
}
.section-header {
  text-align: center;
  margin-bottom: 64px;
}

.section-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 800;
  line-height: 1.2;
  color: var(--charcoal);
  margin-bottom: 16px;
}
.section-title.light { color: var(--white); }

.section-sub {
  max-width: 580px;
  margin: 0 auto;
  color: var(--text-muted);
  font-size: 1rem;
}
.section-sub.light { color: var(--text-light); }

.body-text {
  color: var(--text-muted);
  margin-bottom: 16px;
  font-size: 0.97rem;
}

/* ——— BUTTONS ——— */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 16px 32px;
  border-radius: 4px;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.btn::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0.1);
  opacity: 0;
  transition: opacity 0.3s;
}
.btn:hover::before { opacity: 1; }

.btn-gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  box-shadow: 0 8px 30px rgba(245,158,11,0.3);
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(245,158,11,0.4);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.4);
}
.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}
.btn-gold-outline {
  background: transparent;
  color: var(--gold);
  border: 1.5px solid var(--gold);
}
.btn-gold-outline:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
}
.btn-white-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.6);
}
.btn-white-outline:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-gold-sm {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 10px 22px;
  border-radius: 4px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  transition: var(--transition);
}
.btn-gold-sm:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(245,158,11,0.35);
}

/* ——— ANIMATIONS ——— */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-in:nth-child(2) { transition-delay: 0.1s; }
.fade-in:nth-child(3) { transition-delay: 0.2s; }
.fade-in:nth-child(4) { transition-delay: 0.3s; }
.fade-in:nth-child(5) { transition-delay: 0.35s; }
.fade-in:nth-child(6) { transition-delay: 0.4s; }

/* =============================================
   NAVBAR
   ============================================= */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0;
  transition: var(--transition);
}
.navbar.scrolled {
  background: rgba(15,23,42,0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 4px 30px rgba(0,0,0,0.3);
}

.nav-container {
  max-width: 1300px;
  margin: 0 auto;
  padding: 0 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
}

/* Logo */
.nav-logo { display: flex; align-items: center; }
.logo-box {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-icon {
  font-size: 28px;
  color: var(--gold);
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border-radius: 8px;
  font-weight: 900;
  box-shadow: 0 4px 20px rgba(245,158,11,0.3);
}
.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.logo-primary {
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: 0.02em;
}
.logo-sub {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.6rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.25em;
  text-transform: uppercase;
  margin-top: 2px;
}

/* Nav Menu */
.nav-menu { display: flex; }
.nav-list {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-list > li { position: relative; }

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.73rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  padding: 8px 14px;
  border-radius: 6px;
  transition: var(--transition);
  position: relative;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: 14px;
  right: 14px;
  height: 1.5px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.3s ease;
}
.nav-link:hover, .nav-link.active {
  color: var(--white);
}
.nav-link:hover::after, .nav-link.active::after { transform: scaleX(1); }

.chevron {
  font-size: 0.9rem;
  transition: transform 0.3s;
  color: var(--gold);
}
.has-dropdown:hover .chevron { transform: rotate(90deg); }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: -10px;
  background: var(--navy-mid);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  min-width: 220px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
  z-index: 100;
}
.has-dropdown:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown li a {
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  padding: 10px 16px;
  border-radius: 6px;
  transition: var(--transition);
}
.dropdown li a:hover {
  background: rgba(245,158,11,0.1);
  color: var(--gold);
  padding-left: 22px;
}

/* Nav CTA */
.nav-cta {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 10px 22px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border-radius: 4px;
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(245,158,11,0.25);
}
.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(245,158,11,0.4);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* =============================================
   HERO
   ============================================= */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
}
.hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 60%;
  animation: heroZoom 20s ease-in-out infinite alternate;
}
@keyframes heroZoom {
  from { transform: scale(1); }
  to { transform: scale(1.06); }
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(15,23,42,0.92) 0%,
    rgba(15,23,42,0.75) 50%,
    rgba(15,23,42,0.6) 100%
  );
}
.hero-particles {
  position: absolute;
  inset: 0;
  pointer-events: none;
}
.particle {
  position: absolute;
  width: 2px;
  height: 2px;
  background: var(--gold);
  border-radius: 50%;
  opacity: 0.4;
  animation: particleFloat linear infinite;
}
@keyframes particleFloat {
  0% { transform: translateY(100vh) rotate(0deg); opacity: 0; }
  10% { opacity: 0.4; }
  90% { opacity: 0.4; }
  100% { transform: translateY(-100px) rotate(360deg); opacity: 0; }
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  padding: 140px 24px 100px;
  width: 100%;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(245,158,11,0.08);
  border: 1px solid rgba(245,158,11,0.3);
  padding: 8px 18px;
  border-radius: 40px;
  margin-bottom: 32px;
  animation: fadeSlideUp 0.8s ease forwards;
}
.badge-dot {
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.8); }
}

.hero-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(2.4rem, 5.5vw, 4.2rem);
  font-weight: 900;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 24px;
  animation: fadeSlideUp 0.9s ease 0.1s forwards;
  opacity: 0;
}
.hero-subtitle {
  font-size: clamp(0.9rem, 1.5vw, 1.05rem);
  color: rgba(255,255,255,0.7);
  max-width: 560px;
  margin-bottom: 40px;
  line-height: 1.8;
  animation: fadeSlideUp 1s ease 0.2s forwards;
  opacity: 0;
}
.br-desktop { display: block; }

.hero-btns {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 64px;
  animation: fadeSlideUp 1s ease 0.3s forwards;
  opacity: 0;
}

/* Hero Stats */
.hero-stats {
  display: flex;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
  animation: fadeSlideUp 1s ease 0.4s forwards;
  opacity: 0;
  background: rgba(255,255,255,0.04);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px;
  padding: 24px 32px;
  display: inline-flex;
  gap: 0;
}
.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 0 28px;
}
.stat-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 2.2rem;
  font-weight: 900;
  color: var(--gold);
  line-height: 1;
}
.stat-plus {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--gold);
  display: inline;
}
.stat-label {
  font-size: 0.72rem;
  font-weight: 500;
  color: rgba(255,255,255,0.55);
  text-align: center;
  margin-top: 6px;
  letter-spacing: 0.02em;
}
.stat-divider {
  width: 1px;
  height: 50px;
  background: rgba(255,255,255,0.1);
}

@keyframes fadeSlideUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-scroll {
  position: absolute;
  bottom: 40px;
  right: 48px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  z-index: 2;
}
.hero-scroll span {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  writing-mode: vertical-rl;
}
.scroll-line {
  width: 1px;
  height: 50px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  animation: scrollPulse 2s ease-in-out infinite;
}
@keyframes scrollPulse {
  0%, 100% { opacity: 0.4; transform: scaleY(1); }
  50% { opacity: 1; transform: scaleY(0.7); }
}

/* =============================================
   TICKER
   ============================================= */
.ticker-wrap {
  background: var(--navy-mid);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  overflow: hidden;
  padding: 12px 0;
}
.ticker {
  display: flex;
  gap: 40px;
  white-space: nowrap;
  animation: tickerScroll 40s linear infinite;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,0.7);
}
.ticker .sep { color: var(--gold); }
.ticker span[class!="sep"] { color: rgba(255,255,255,0.7); }
@keyframes tickerScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* =============================================
   ABOUT STRIP
   ============================================= */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.about-img-wrap {
  position: relative;
  border-radius: var(--radius);
  overflow: visible;
}
.about-img {
  width: 100%;
  border-radius: var(--radius);
  box-shadow: var(--shadow-card);
  transition: transform 0.6s ease;
}
.about-img-wrap:hover .about-img { transform: scale(1.02); }

.about-img-badge {
  position: absolute;
  bottom: -24px;
  right: -24px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  padding: 20px 28px;
  border-radius: var(--radius-sm);
  text-align: center;
  box-shadow: 0 12px 40px rgba(245,158,11,0.35);
}
.badge-num {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 2rem;
  font-weight: 900;
}
.badge-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  opacity: 0.8;
}

.about-text-col { padding-right: 20px; }

.ceo-quote {
  margin: 28px 0;
  padding: 20px 24px 20px 32px;
  border-left: 3px solid var(--gold);
  background: var(--gray-bg);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  position: relative;
}
.quote-mark {
  position: absolute;
  top: -10px;
  left: 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 4rem;
  font-weight: 900;
  color: var(--gold);
  opacity: 0.2;
  line-height: 1;
}
.ceo-quote p {
  font-size: 0.9rem;
  color: var(--charcoal);
  font-style: italic;
  margin-bottom: 8px;
}
.ceo-quote footer {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.05em;
}

/* =============================================
   SERVICES
   ============================================= */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  padding: 36px 28px;
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(245,158,11,0.05) 0%, transparent 60%);
  opacity: 0;
  transition: opacity 0.4s;
}
.service-card:hover::before { opacity: 1; }

.glass-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  backdrop-filter: blur(10px);
}
.glass-card:hover {
  transform: translateY(-6px);
  border-color: rgba(245,158,11,0.3);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3), var(--shadow-gold);
}

.card-icon {
  width: 64px;
  height: 64px;
  background: rgba(245,158,11,0.1);
  border: 1px solid rgba(245,158,11,0.2);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--gold);
  transition: var(--transition);
}
.service-card:hover .card-icon {
  background: rgba(245,158,11,0.2);
  border-color: var(--gold);
  box-shadow: 0 0 20px rgba(245,158,11,0.2);
}

.service-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}
.service-card p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-bottom: 20px;
}

.card-link {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: var(--gold);
  transition: var(--transition);
}
.card-link:hover { letter-spacing: 0.1em; }

/* =============================================
   MUTUAL FUNDS
   ============================================= */
.funds-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.fund-card {
  background: var(--white);
  border: 1px solid #E5E7EB;
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(0,0,0,0.05);
}
.fund-card:hover {
  transform: translateY(-6px);
  border-color: var(--gold);
  box-shadow: 0 20px 50px rgba(0,0,0,0.1), 0 0 0 1px rgba(245,158,11,0.1);
}
.shariah-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-color: var(--border);
}
.shariah-card h3, .shariah-card span { color: var(--white) !important; }
.shariah-card p { color: rgba(255,255,255,0.6) !important; }
.shariah-card .fund-return { color: var(--gold) !important; }

.fund-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}
.fund-icon {
  width: 44px;
  height: 44px;
  background: rgba(245,158,11,0.1);
  border: 1px solid rgba(245,158,11,0.2);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--gold);
}
.fund-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.3;
}
.fund-tag {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(245,158,11,0.08);
  border: 1px solid rgba(245,158,11,0.2);
  padding: 3px 10px;
  border-radius: 20px;
  margin-top: 4px;
}
.shariah-tag { color: #10B981; background: rgba(16,185,129,0.1); border-color: rgba(16,185,129,0.2); }

.fund-chart { margin: 16px 0; height: 80px; }
.fund-chart svg { width: 100%; height: 80px; }

.fund-stats {
  display: flex;
  justify-content: space-between;
  margin-bottom: 20px;
  font-size: 0.78rem;
  color: var(--text-muted);
}
.fund-stats > div {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.fund-return {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.2rem;
  font-weight: 800;
  color: #10B981;
}
.fund-risk {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
}
.fund-risk.low { background: rgba(16,185,129,0.1); color: #10B981; }
.fund-risk.medium { background: rgba(245,158,11,0.1); color: var(--gold); }

/* =============================================
   WHY CHOOSE US
   ============================================= */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.why-card {
  padding: 36px 28px;
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: var(--radius);
  background: rgba(255,255,255,0.02);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.why-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  opacity: 0;
  transition: opacity 0.4s;
}
.why-card:hover { border-color: rgba(245,158,11,0.2); transform: translateY(-4px); }
.why-card:hover::before { opacity: 1; }

.why-icon {
  width: 60px;
  height: 60px;
  border: 1.5px solid var(--border);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin-bottom: 20px;
  transition: var(--transition);
}
.why-card:hover .why-icon {
  background: rgba(245,158,11,0.1);
  border-color: var(--gold);
  box-shadow: 0 0 20px rgba(245,158,11,0.15);
}

.why-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}
.why-card p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
}

/* =============================================
   TEAM
   ============================================= */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.team-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: var(--transition);
}
.team-card:hover { transform: translateY(-8px); box-shadow: 0 30px 80px rgba(0,0,0,0.15); }

.team-img-wrap {
  position: relative;
  height: 280px;
  overflow: hidden;
}
.team-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  transition: transform 0.6s ease;
}
.team-card:hover .team-img { transform: scale(1.05); }
.team-img-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, transparent 50%, rgba(15,23,42,0.6) 100%);
}

.team-info { padding: 24px; }
.team-info h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 4px;
}
.team-role {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.team-info p {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 16px;
}
.team-social { display: flex; gap: 8px; }
.social-link {
  width: 32px;
  height: 32px;
  background: var(--gray-bg);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--charcoal);
  transition: var(--transition);
}
.social-link:hover { background: var(--gold); color: var(--navy); }

/* =============================================
   INSIGHTS
   ============================================= */
.insights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.insight-card {
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}
.insight-card:hover { transform: translateY(-6px); border-color: rgba(245,158,11,0.2); }

.insight-img-wrap {
  position: relative;
  height: 200px;
  overflow: hidden;
}
.insight-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}
.insight-card:hover .insight-img { transform: scale(1.08); }

.insight-tag {
  position: absolute;
  top: 16px;
  left: 16px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  background: var(--gold);
  padding: 4px 12px;
  border-radius: 20px;
}

.insight-body { padding: 24px; }
.insight-date {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.05em;
  margin-bottom: 10px;
  display: block;
}
.insight-body h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.4;
  margin-bottom: 10px;
}
.insight-body p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.6;
  margin-bottom: 18px;
}
.insight-link {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--gold);
  transition: var(--transition);
}
.insight-link:hover { letter-spacing: 0.08em; }

/* =============================================
   TESTIMONIALS
   ============================================= */
.testimonials-slider { overflow: hidden; }
.testimonial-track {
  display: flex;
  transition: transform 0.5s cubic-bezier(0.4,0,0.2,1);
}

.testimonial-card {
  min-width: 100%;
  padding: 48px 56px;
  background: var(--navy);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  text-align: center;
  position: relative;
}
.quote-icon {
  font-family: 'Montserrat', sans-serif;
  font-size: 6rem;
  font-weight: 900;
  color: var(--gold);
  opacity: 0.15;
  line-height: 1;
  margin-bottom: -20px;
}
.testimonial-card > p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.8;
  max-width: 640px;
  margin: 0 auto 32px;
  font-style: italic;
}
.testimonial-author {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-bottom: 16px;
}
.author-avatar {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--navy);
}
.testimonial-author strong {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--white);
  text-align: left;
}
.testimonial-author span {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
}
.star-rating { color: var(--gold); font-size: 1rem; letter-spacing: 3px; }

.slider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 32px;
}
.slider-btn {
  width: 44px;
  height: 44px;
  background: transparent;
  border: 1.5px solid var(--border);
  color: var(--gold);
  border-radius: 50%;
  font-size: 1.4rem;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}
.slider-btn:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.slider-dots { display: flex; gap: 8px; }
.dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  cursor: pointer;
  transition: var(--transition);
}
.dot.active { background: var(--gold); width: 24px; border-radius: 4px; }

/* =============================================
   CTA BANNER
   ============================================= */
.cta-section {
  position: relative;
  padding: 120px 0;
  overflow: hidden;
}
.cta-bg { position: absolute; inset: 0; }
.cta-img { width: 100%; height: 100%; object-fit: cover; filter: blur(2px) brightness(0.3); }
.cta-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(15,23,42,0.9), rgba(245,158,11,0.1), rgba(15,23,42,0.9));
}
.cta-content {
  position: relative;
  z-index: 2;
  text-align: center;
}
.cta-content h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.2;
}
.cta-content p {
  font-size: 1rem;
  color: rgba(255,255,255,0.65);
  max-width: 560px;
  margin: 0 auto 40px;
}
.cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* =============================================
   FOOTER
   ============================================= */
.footer { background: #080E1C; }

.footer-top { padding: 72px 0 48px; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
}
.footer-logo .logo-icon {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
}
.footer-brand p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.7;
  margin-bottom: 24px;
}
.footer-social {
  display: flex;
  gap: 10px;
}
.social-icon {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  color: rgba(255,255,255,0.5);
  transition: var(--transition);
}
.social-icon:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }

.footer-col h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(245,158,11,0.15);
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
  transition: var(--transition);
}
.footer-col ul li a:hover { color: var(--gold); padding-left: 6px; }

.footer-contact { display: flex; flex-direction: column; gap: 16px; }
.contact-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.contact-item svg { color: var(--gold); margin-top: 2px; flex-shrink: 0; }
.contact-item span {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.6;
}

.footer-bottom {
  border-top: 1px solid rgba(245,158,11,0.1);
  padding: 20px 0;
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-bottom p {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
}
.footer-links { display: flex; gap: 24px; }
.footer-links a {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
  transition: var(--transition);
}
.footer-links a:hover { color: var(--gold); }

/* =============================================
   PAGE HERO (inner pages)
   ============================================= */
.page-hero {
  position: relative;
  padding: 160px 0 80px;
  background: var(--navy);
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?w=1200&q=60') center/cover;
  opacity: 0.1;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.15;
}
.page-hero p {
  font-size: 1rem;
  color: rgba(255,255,255,0.6);
  max-width: 500px;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.4);
  margin-bottom: 20px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 500;
  letter-spacing: 0.05em;
}
.breadcrumb a { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* =============================================
   FORM STYLES
   ============================================= */
.form-section { padding: 100px 0; }
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.form-info h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 2rem;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 16px;
}
.form-info p {
  color: var(--text-muted);
  margin-bottom: 32px;
}

.luxury-form { display: flex; flex-direction: column; gap: 20px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--charcoal);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 14px 18px;
  background: var(--white);
  border: 1.5px solid #E5E7EB;
  border-radius: var(--radius-sm);
  font-family: 'Poppins', sans-serif;
  font-size: 0.9rem;
  color: var(--charcoal);
  outline: none;
  transition: var(--transition);
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(245,158,11,0.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }

.radio-group {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.radio-label {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  font-size: 0.88rem;
  color: var(--charcoal);
  padding: 12px 20px;
  border: 1.5px solid #E5E7EB;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  flex: 1;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.8rem;
}
.radio-label:has(input:checked) {
  border-color: var(--gold);
  background: rgba(245,158,11,0.06);
  color: var(--gold);
}
.radio-label input { display: none; }

.form-submit-btn {
  padding: 18px 40px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border: none;
  border-radius: 4px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: 0 8px 30px rgba(245,158,11,0.3);
  width: 100%;
}
.form-submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(245,158,11,0.45);
}

/* =============================================
   CONTACT INFO CARDS
   ============================================= */
.contact-info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 64px;
}
.contact-info-card {
  background: var(--white);
  border: 1px solid #E5E7EB;
  border-radius: var(--radius);
  padding: 36px 28px;
  text-align: center;
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(0,0,0,0.05);
}
.contact-info-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-card);
}
.contact-info-card .card-icon {
  margin: 0 auto 20px;
  background: rgba(245,158,11,0.08);
  border-color: rgba(245,158,11,0.2);
}
.contact-info-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 8px;
}
.contact-info-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1100px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .funds-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; gap: 48px; }
  .about-text-col { padding-right: 0; }
  .about-img-badge { bottom: -16px; right: 16px; }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .insights-grid { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .contact-info-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; gap: 48px; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; gap: 16px; }
  .stat-divider { width: 80px; height: 1px; }
}

@media (max-width: 768px) {
  .nav-menu { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }

  .nav-menu.open {
    display: flex;
    position: fixed;
    top: 78px;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(15,23,42,0.98);
    backdrop-filter: blur(20px);
    flex-direction: column;
    padding: 32px 24px;
    overflow-y: auto;
  }
  .nav-list { flex-direction: column; align-items: flex-start; gap: 0; width: 100%; }
  .nav-link { width: 100%; font-size: 1rem; padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,0.05); }
  .dropdown { position: static; opacity: 1; visibility: visible; transform: none; background: transparent; border: none; box-shadow: none; margin-left: 16px; }
  .chevron { display: none; }

  .section-pad { padding: 72px 0; }
  .services-grid { grid-template-columns: 1fr; }
  .funds-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .insights-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-btns { flex-direction: column; }
  .br-desktop { display: none; }
  .testimonial-card { padding: 32px 24px; }
  .hero-scroll { display: none; }
  .cta-btns { flex-direction: column; align-items: center; }
}

@media (max-width: 480px) {
  .stat-item { padding: 0 16px; }
  .radio-group { flex-direction: column; }
}