@import url('https://fonts.googleapis.com/css2?family=Almarai:wght@400;700&family=Ovo&display=swap');

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

:root {
  --navy: #040956;
  --navy-mid: #0a1566;
  --navy-light: #122159;
  --ink: #15213d;
  --ink-soft: #33415f;
  --rose: #b86f69;
  --rose-deep: #9d534d;
  --cream: #f7f9fd;
  --surface: #eef3fb;
  --white: #ffffff;
  --line: rgba(4,9,86,0.12);
  --shadow-soft: 0 16px 40px rgba(18,28,60,0.08);
  --shadow-card: 0 20px 50px rgba(18,28,60,0.10);
  --radius-sm: 12px;
  --radius-md: 20px;
  --radius-lg: 28px;
  --trust-bar-height: 36px;
  --transition: 0.25s ease;
}

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

body {
  font-family: 'Almarai', sans-serif;
  background: var(--white);
  color: var(--ink);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
  padding-top: var(--trust-bar-height);
}

h1, h2, h3, h4, h5 {
  font-family: 'Ovo', Georgia, serif;
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.4rem, 5vw, 4.2rem); }
h2 { font-size: clamp(1.9rem, 4vw, 3rem); }
h3 { font-size: clamp(1.35rem, 2.5vw, 1.85rem); }
h4 { font-size: clamp(1.15rem, 2vw, 1.45rem); }

p { line-height: 1.78; color: var(--ink-soft); }

a { color: var(--navy); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--rose-deep); }

img { max-width: 100%; display: block; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* =================== HEADER =================== */
#header {
  position: fixed;
  top: var(--trust-bar-height); left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  box-shadow: 0 2px 20px rgba(4,9,86,0.06);
  transition: padding var(--transition), box-shadow var(--transition);
}

#header.scrolled {
  box-shadow: 0 4px 28px rgba(4,9,86,0.10);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  max-width: 1180px;
  margin: 0 auto;
  transition: padding var(--transition);
}

#header.scrolled .header-inner { padding: 12px 24px; }

.header-logo img { height: 58px; width: auto; transition: height var(--transition); }
#header.scrolled .header-logo img { height: 44px; }

.header-nav { display: flex; align-items: center; gap: 6px; }

.nav-item { position: relative; }

.nav-link {
  display: block;
  padding: 8px 14px;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--navy);
  letter-spacing: 0.01em;
  border-radius: 8px;
  transition: background var(--transition), color var(--transition);
  white-space: nowrap;
}

.nav-link:hover { background: rgba(4,9,86,0.05); color: var(--rose-deep); }

.nav-link.has-dropdown { display: flex; align-items: center; gap: 5px; cursor: pointer; }

.dropdown-arrow {
  width: 14px; height: 14px;
  transition: transform var(--transition);
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  flex-shrink: 0;
}

.nav-item:hover .dropdown-arrow,
.nav-item.open .dropdown-arrow { transform: rotate(180deg); }

.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
  min-width: 240px;
  padding: 10px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-8px);
  transition: opacity var(--transition), transform var(--transition);
  z-index: 100;
}

.nav-item:hover .dropdown-menu,
.nav-item.open .dropdown-menu {
  opacity: 1;
  pointer-events: all;
  transform: translateY(0);
}

.dropdown-menu a {
  display: block;
  padding: 9px 14px;
  font-size: 0.9rem;
  color: var(--ink);
  border-radius: 10px;
  transition: background var(--transition), color var(--transition);
  font-weight: 600;
}

.dropdown-menu a:hover { background: rgba(4,9,86,0.06); color: var(--rose-deep); }

.header-cta {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--rose);
  color: var(--white) !important;
  padding: 10px 20px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.9rem;
  margin-left: 10px;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  box-shadow: 0 6px 20px rgba(184,111,105,0.30);
}

.header-cta:hover {
  background: var(--rose-deep) !important;
  color: var(--white) !important;
  transform: translateY(-1px);
  box-shadow: 0 10px 28px rgba(184,111,105,0.38);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  border-radius: 8px;
  background: none;
  border: none;
  transition: background var(--transition);
}

.hamburger:hover { background: rgba(4,9,86,0.06); }

.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile overlay */
.mobile-nav {
  position: fixed;
  inset: 0;
  background: var(--navy);
  z-index: 999;
  display: flex;
  flex-direction: column;
  padding: calc(var(--trust-bar-height) + 90px) 32px 40px;
  opacity: 0;
  pointer-events: none;
  transform: translateX(100%);
  transition: opacity 0.35s ease, transform 0.35s ease;
  overflow-y: auto;
}

.mobile-nav.open {
  opacity: 1;
  pointer-events: all;
  transform: translateX(0);
}

.mobile-nav a {
  color: rgba(255,255,255,0.92);
  font-size: 1.25rem;
  font-weight: 700;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color var(--transition), padding-left var(--transition);
}

.mobile-nav a:hover { color: var(--rose); padding-left: 8px; }

.mobile-nav .mobile-sub a {
  font-size: 1rem;
  padding: 10px 0 10px 18px;
  font-weight: 400;
  color: rgba(255,255,255,0.72);
}

.mobile-nav .mobile-sub a:hover { color: var(--rose); }

.mobile-nav-cta {
  margin-top: 28px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--rose);
  color: var(--white) !important;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 1.05rem;
  border: none;
  align-self: flex-start;
}

/* =================== HERO SLIDER =================== */
#hero {
  position: relative;
  height: 100vh;
  min-height: 600px;
  overflow: hidden;
  margin-top: 0;
}

.slide {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  opacity: 0;
  transition: opacity 0.9s ease;
  padding-top: 80px;
}

.slide.active { opacity: 1; z-index: 2; }
.slide.prev { opacity: 0; z-index: 1; }

.slide-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transform: scale(1.04);
  transition: transform 8s ease;
}

.slide.active .slide-bg { transform: scale(1); }

.slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(4,9,86,0.82) 0%, rgba(4,9,86,0.55) 50%, rgba(4,9,86,0.38) 100%);
}

.slide-content {
  position: relative;
  z-index: 3;
  max-width: 640px;
  padding: 36px 40px;
  background: linear-gradient(160deg, rgba(4,9,86,0.78), rgba(15,27,73,0.90));
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 24px;
  box-shadow: 0 20px 60px rgba(4,9,86,0.3);
  backdrop-filter: blur(8px);
  margin-left: 60px;
  transform: translateY(20px);
  transition: transform 0.9s ease 0.3s;
}

.slide.active .slide-content { transform: translateY(0); }

.slide-content h1 {
  color: var(--white);
  margin-bottom: 16px;
  font-size: clamp(2rem, 4vw, 3.4rem);
}

.slide-content p {
  color: rgba(255,255,255,0.88);
  font-size: 1.1rem;
  line-height: 1.72;
  margin-bottom: 28px;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--rose);
  color: var(--white);
  padding: 14px 30px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 1rem;
  border: none;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  box-shadow: 0 10px 30px rgba(184,111,105,0.35);
  text-decoration: none;
}

.btn-primary:hover {
  background: var(--rose-deep);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 14px 36px rgba(157,83,77,0.40);
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--navy);
  padding: 13px 28px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 1rem;
  border: 1.5px solid rgba(4,9,86,0.25);
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
}

.btn-outline:hover {
  background: rgba(4,9,86,0.05);
  border-color: rgba(4,9,86,0.45);
  color: var(--navy);
  transform: translateY(-1px);
}

/* Slider controls */
.slider-dots {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 10px;
  z-index: 10;
}

.dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,0.45);
  border: none;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition), width var(--transition);
  padding: 0;
}

.dot.active {
  background: var(--rose);
  width: 28px;
  border-radius: 5px;
}

.slider-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  background: rgba(4,9,86,0.7);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 50%;
  width: 48px; height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
}

.slider-arrow:hover { background: var(--rose); transform: translateY(-50%) scale(1.08); }
.slider-arrow svg { stroke: white; fill: none; width: 20px; height: 20px; }
.slider-arrow.prev-arrow { left: 24px; }
.slider-arrow.next-arrow { right: 24px; }

/* =================== SECTIONS =================== */
section { padding: 90px 0; }

.section-label {
  display: inline-block;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--rose);
  margin-bottom: 14px;
}

/* =================== ADVISOR BIO =================== */
#about {
  background: var(--white);
}

.bio-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.bio-image-wrap {
  position: relative;
}

.bio-image-wrap img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  height: auto;
  object-fit: contain;
}

.bio-badge {
  position: absolute;
  bottom: -20px;
  left: -20px;
  background: var(--navy);
  color: var(--white);
  padding: 18px 24px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
}

.bio-badge .name { font-family: 'Ovo', Georgia, serif; font-size: 1.2rem; font-weight: 400; color: var(--white); margin-bottom: 4px; }
.bio-badge .title { font-size: 0.82rem; color: rgba(255,255,255,0.72); line-height: 1.4; }

.bio-text { }
.bio-text h2 { margin-bottom: 20px; }
.bio-text p { margin-bottom: 18px; }

.bio-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 28px 0;
}

.stat-card {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 20px 16px;
  text-align: center;
}

.stat-card .num { font-family: 'Ovo', Georgia, serif; font-size: 2rem; color: var(--navy); font-weight: 400; display: block; }
.stat-card .label { font-size: 0.8rem; color: var(--ink-soft); font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; margin-top: 4px; display: block; }

.reputable-box {
  background: linear-gradient(135deg, #f7f9fd, #eef3fb);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 28px;
  margin-top: 28px;
}

.reputable-box h3 { margin-bottom: 12px; font-size: 1.3rem; }
.reputable-box p { font-size: 0.95rem; margin-bottom: 20px; }

/* =================== SERVICES =================== */
#services { background: var(--cream); }

.section-head { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.section-head p { margin-top: 14px; font-size: 1.05rem; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
  cursor: pointer;
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card);
}

.service-card-img {
  height: 180px;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 8px;
  background: linear-gradient(180deg, #f7f9fd 0%, #eef3fb 100%);
}

.service-card-img img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  transition: transform 0.5s ease;
}

.service-card:hover .service-card-img img { transform: none; }

.service-card-body { padding: 18px; }
.service-card-body h4 { font-size: 1rem; margin-bottom: 8px; color: var(--navy); }
.service-card-body p { font-size: 0.88rem; line-height: 1.65; color: var(--ink-soft); margin-bottom: 12px; }
.service-card-body .learn-more { font-size: 0.88rem; font-weight: 700; color: var(--rose); display: inline-flex; align-items: center; gap: 4px; transition: gap var(--transition); }
.service-card:hover .learn-more { gap: 8px; }

/* =================== CALCULATOR =================== */
#calculator { background: var(--white); }

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.calc-form-wrap {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px;
}

.calc-form-wrap h3 { margin-bottom: 28px; }

.calc-field { margin-bottom: 24px; }
.calc-field label { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.calc-field label span { color: var(--rose); font-size: 1rem; font-weight: 700; }

.boe-rate-display { display: flex; align-items: center; justify-content: space-between; background: var(--navy); border-radius: 12px; padding: 14px 20px; }
.boe-rate-display__rate { font-size: 2rem; font-weight: 700; color: #fff; letter-spacing: -0.02em; }
.boe-rate-display__meta { display: flex; align-items: center; gap: 8px; font-size: 0.78rem; font-weight: 700; color: rgba(255,255,255,0.7); letter-spacing: 0.04em; text-transform: uppercase; }
.boe-pulse-dot { display: inline-block; width: 8px; height: 8px; border-radius: 50%; background: #4ade80; flex-shrink: 0; animation: boe-pulse 2s infinite; }

input[type="range"] {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: linear-gradient(to right, var(--rose) 0%, var(--rose) var(--pct, 50%), rgba(4,9,86,0.15) var(--pct, 50%));
  border-radius: 99px;
  cursor: pointer;
  outline: none;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--rose);
  box-shadow: 0 2px 8px rgba(184,111,105,0.28);
  cursor: pointer;
  transition: transform var(--transition);
}

input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }

.calc-input {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid rgba(4,9,86,0.18);
  border-radius: var(--radius-sm);
  font-family: 'Almarai', sans-serif;
  font-size: 0.95rem;
  color: var(--ink);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}

.calc-input:focus {
  border-color: var(--rose);
  box-shadow: 0 0 0 4px rgba(184,111,105,0.14);
}

select.calc-input { cursor: pointer; }

.calc-results {
  background: linear-gradient(160deg, var(--navy), var(--navy-light));
  border-radius: var(--radius-lg);
  padding: 36px;
  color: var(--white);
  position: sticky;
  top: 100px;
}

.calc-results h3 { color: var(--white); margin-bottom: 28px; }

.result-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.result-item:last-of-type { border-bottom: none; }

.result-label { font-size: 0.9rem; color: rgba(255,255,255,0.72); }
.result-value { font-family: 'Ovo', Georgia, serif; font-size: 1.5rem; color: var(--white); }
.result-value.highlight { color: var(--rose); font-size: 2rem; }

.ltv-bar { margin-top: 20px; }
.ltv-bar-label { display: flex; justify-content: space-between; font-size: 0.82rem; color: rgba(255,255,255,0.65); margin-bottom: 8px; }
.ltv-track { height: 8px; background: rgba(255,255,255,0.15); border-radius: 99px; overflow: hidden; }
.ltv-fill { height: 100%; background: linear-gradient(to right, var(--rose), #e06a64); border-radius: 99px; transition: width 0.5s ease; }

.calc-cta { margin-top: 28px; }
.calc-cta .btn-primary { width: 100%; justify-content: center; }

/* =================== TESTIMONIALS =================== */
#testimonials { background: var(--cream); }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 28px;
  transition: transform var(--transition), box-shadow var(--transition);
}

.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card); }

.stars { display: flex; gap: 4px; margin-bottom: 14px; }
.stars svg { fill: #f5a623; stroke: none; width: 18px; height: 18px; }

.testimonial-card blockquote {
  font-size: 0.95rem;
  line-height: 1.76;
  color: var(--ink-soft);
  margin-bottom: 20px;
  border: none;
  padding: 0;
  background: none;
  border-radius: 0;
}

.testimonial-card blockquote::before { content: '\201C'; font-size: 3rem; color: var(--rose); line-height: 0; vertical-align: -0.6em; margin-right: 4px; }

.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--rose));
  display: flex; align-items: center; justify-content: center;
  color: white; font-weight: 700; font-size: 1rem;
  flex-shrink: 0;
}
.testimonial-author .author-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.testimonial-author .author-detail { font-size: 0.82rem; color: var(--ink-soft); }

/* =================== FAQ =================== */
#faq { background: var(--white); }

.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.faq-intro h2 { margin-bottom: 16px; }
.faq-intro p { margin-bottom: 24px; }

.faq-list { }

.faq-item {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: box-shadow var(--transition);
}

.faq-item:hover { box-shadow: var(--shadow-soft); }
.faq-item.open { box-shadow: var(--shadow-soft); }

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  background: var(--white);
  transition: background var(--transition);
  gap: 12px;
  user-select: none;
}

.faq-question:hover { background: var(--cream); }
.faq-item.open .faq-question { background: var(--navy); }
.faq-item.open .faq-question h4 { color: var(--white); }
.faq-item.open .faq-question .faq-icon { color: var(--white); }

.faq-question h4 { font-size: 0.98rem; color: var(--navy); font-family: 'Almarai', sans-serif; font-weight: 700; }

.faq-icon { width: 24px; height: 24px; flex-shrink: 0; transition: transform var(--transition); stroke: currentColor; fill: none; }
.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  background: var(--cream);
}

.faq-item.open .faq-answer { max-height: 600px; }

.faq-answer-inner {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.35s ease;
}

.faq-item.open .faq-answer-inner { padding: 20px 24px; max-height: 600px; }

.faq-answer-inner p, .faq-answer-inner li { font-size: 0.92rem; color: var(--ink-soft); }
.faq-answer-inner ul { padding-left: 18px; margin-top: 10px; }
.faq-answer-inner li { margin-bottom: 6px; }

/* =================== CONTACT =================== */
#contact { background: linear-gradient(160deg, var(--navy), var(--navy-light)); }

#contact .section-label { color: var(--rose); }
#contact .section-head h2 { color: var(--white); }
#contact .section-head p { color: rgba(255,255,255,0.72); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
}

.contact-info h3 { color: var(--white); margin-bottom: 20px; }

.contact-method {
  display: flex;
  gap: 16px;
  padding: 20px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  transition: background var(--transition);
}

.contact-method:hover { background: rgba(255,255,255,0.1); }

.contact-method-icon {
  width: 44px; height: 44px;
  background: rgba(184,111,105,0.25);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.contact-method-icon svg { stroke: var(--rose); fill: none; width: 20px; height: 20px; }

.contact-method-text .method-label { font-size: 0.82rem; color: rgba(255,255,255,0.55); font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 4px; }
.contact-method-text .method-value { color: rgba(255,255,255,0.9); font-size: 0.95rem; font-weight: 700; }
.contact-method-text .method-value a { color: rgba(255,255,255,0.9); }
.contact-method-text .method-value a:hover { color: var(--rose); }

.contact-form-wrap {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 36px;
  backdrop-filter: blur(6px);
}

.contact-form-wrap h3 { color: var(--white); margin-bottom: 24px; }

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

.form-field { margin-bottom: 16px; }
.form-field label { display: block; margin-bottom: 8px; color: rgba(255,255,255,0.8); font-size: 0.88rem; font-weight: 700; }

.form-field input, .form-field select, .form-field textarea {
  width: 100%;
  padding: 13px 16px;
  background: rgba(255,255,255,0.1);
  border: 1.5px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-family: 'Almarai', sans-serif;
  font-size: 0.92rem;
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form-field input::placeholder, .form-field textarea::placeholder { color: rgba(255,255,255,0.38); }

.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  border-color: var(--rose);
  box-shadow: 0 0 0 4px rgba(184,111,105,0.2);
}

.form-field select option { background: var(--navy); color: var(--white); }

.form-field textarea { min-height: 110px; resize: vertical; }

.form-submit {
  width: 100%;
  justify-content: center;
  margin-top: 8px;
}

/* Privacy Policy Checkbox */
.form-privacy-check {
  margin-bottom: 16px;
}

.privacy-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
}

.privacy-label input[type="checkbox"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.privacy-custom-check {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  border: 2px solid rgba(255,255,255,0.4);
  border-radius: 4px;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
  transition: background 0.2s, border-color 0.2s;
  color: transparent;
}

.privacy-label input[type="checkbox"]:checked + .privacy-custom-check {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}

.privacy-label:hover .privacy-custom-check {
  border-color: rgba(255,255,255,0.7);
}

.privacy-text {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.5;
}

.privacy-link {
  color: var(--gold);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.privacy-link:hover {
  color: var(--white);
}

/* Toast */
.toast {
  position: fixed;
  bottom: 28px;
  right: 28px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 16px 22px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 16px 48px rgba(18,28,60,0.16);
  z-index: 9999;
  transform: translateX(120%);
  transition: transform 0.4s cubic-bezier(0.22, 1, 0.36, 1);
  max-width: 360px;
}

.toast.show { transform: translateX(0); }
.toast-icon { color: #22c55e; flex-shrink: 0; }
.toast-icon svg { fill: none; stroke: currentColor; width: 22px; height: 22px; }
.toast-text strong { display: block; color: var(--navy); font-size: 0.95rem; margin-bottom: 2px; }
.toast-text span { font-size: 0.85rem; color: var(--ink-soft); }

/* =================== FOOTER =================== */
footer {
  background: linear-gradient(180deg, #0a1566 0%, #040956 100%);
  padding: 60px 0 0;
  border-top: 1px solid rgba(255,255,255,0.06);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(280px, 2fr) minmax(180px, 1fr);
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand img { height: 42px; filter: brightness(0) invert(1); margin-bottom: 16px; }
.footer-brand p { font-size: 0.88rem; color: rgba(255,255,255,0.6); line-height: 1.72; max-width: 280px; }

.footer-col h5 { font-family: 'Ovo', Georgia, serif; color: var(--white); font-size: 1rem; margin-bottom: 14px; font-weight: 400; }
.footer-col a { display: block; color: rgba(255,255,255,0.6); font-size: 0.88rem; padding: 4px 0; transition: color var(--transition), padding-left var(--transition); }
.footer-col a:hover { color: var(--rose); padding-left: 6px; }

.footer-bottom {
  padding: 20px 24px;
  max-width: 1180px;
  margin: 0 auto;
}

.footer-disclaimer {
  background: rgba(255,255,255,0.04);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 20px 0;
}

.footer-disclaimer .container p {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.42);
  line-height: 1.7;
  margin-bottom: 6px;
}

.footer-copyright {
  padding: 20px 0;
  text-align: center;
}

.footer-copyright p { font-size: 0.82rem; color: rgba(255,255,255,0.35); }

/* =================== FLOATING PRIVACY CONSENT =================== */
.floating-privacy-consent {
  position: fixed;
  left: 50%;
  bottom: 22px;
  z-index: 940;
  transform: translateX(-50%);
  width: min(760px, calc(100% - 32px));
  max-height: min(48vh, 420px);
  overflow-y: auto;
  padding: 16px 18px;
  background: rgba(255,255,255,0.98);
  border: 1px solid rgba(4,9,86,0.12);
  border-radius: 12px;
  box-shadow: 0 16px 42px rgba(18,28,60,0.18);
}

.floating-privacy-consent.is-hidden {
  display: none;
}

.floating-privacy-label {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid rgba(4,9,86,0.1);
  color: var(--ink);
  font-size: 0.88rem;
  font-weight: 700;
  line-height: 1.35;
  cursor: pointer;
  text-align: center;
}

.floating-privacy-label input[type="checkbox"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.floating-privacy-box {
  flex: 0 0 auto;
  width: 20px;
  height: 20px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 2px solid rgba(4,9,86,0.28);
  border-radius: 6px;
  color: transparent;
  transition: background var(--transition), border-color var(--transition), color var(--transition);
}

.floating-privacy-box svg {
  width: 12px;
  height: 10px;
}

.floating-privacy-label input[type="checkbox"]:checked + .floating-privacy-box {
  background: var(--rose);
  border-color: var(--rose);
  color: var(--white);
}

.floating-privacy-label a {
  color: var(--rose-deep);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.floating-privacy-copy strong {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-size: 0.9rem;
}

.floating-privacy-copy p {
  margin-bottom: 8px;
  color: var(--ink-soft);
  font-size: 0.76rem;
  line-height: 1.55;
}

.floating-privacy-copy p:last-child {
  margin-bottom: 0;
}

/* =================== BACK TO TOP =================== */
#back-to-top {
  position: fixed;
  bottom: 28px;
  left: 28px;
  width: 44px; height: 44px;
  background: var(--navy);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transform: translateY(12px);
  transition: opacity var(--transition), transform var(--transition), background var(--transition);
  z-index: 100;
}

#back-to-top.visible { opacity: 1; pointer-events: all; transform: translateY(0); }
#back-to-top:hover { background: var(--rose); }
#back-to-top svg { stroke: white; fill: none; width: 20px; height: 20px; }

/* =================== SCROLL ANIMATIONS =================== */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* =================== RESPONSIVE =================== */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  section { padding: 64px 0; }

  :root { --trust-bar-height: 58px; }

  .header-nav, .header-cta { display: none; }
  .hamburger { display: flex; }

  .bio-grid { grid-template-columns: 1fr; gap: 48px; }
  .bio-badge { bottom: -16px; left: 16px; }
  .bio-image-wrap img { max-height: none; }

  .services-grid { grid-template-columns: repeat(2, 1fr); }

  .calc-grid { grid-template-columns: 1fr; }
  .calc-results { position: static; }

  .testimonials-grid { grid-template-columns: 1fr; }

  .faq-grid { grid-template-columns: 1fr; gap: 40px; }

  .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .form-row { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr 1fr; }

  .slide-content { margin-left: 20px; margin-right: 20px; padding: 24px; }
  .slide-content h1 { font-size: clamp(1.7rem, 8vw, 2.4rem); }

  .bio-stats { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 480px) {
  .services-grid { grid-template-columns: 1fr; }
  .bio-stats { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
}

@keyframes boe-pulse {
  0%, 100% { box-shadow: 0 0 0 2px rgba(74,222,128,0.3); }
  50% { box-shadow: 0 0 0 5px rgba(74,222,128,0); }
}

/* ============================================================
   TRUST BAR
============================================================ */
.trust-bar { position: fixed; top: 0; left: 0; right: 0; z-index: 1100; min-height: var(--trust-bar-height); display: flex; align-items: center; justify-content: center; background: var(--navy); padding: 9px 20px; overflow: hidden; }
.trust-bar-inner { width: 100%; max-width: 1180px; margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; text-align: center; }
.trust-item { display: inline-flex; align-items: center; gap: 6px; color: rgba(255,255,255,0.85); font-size: 0.75rem; font-weight: 700; letter-spacing: 0.04em; white-space: nowrap; }
.trust-item svg { flex-shrink: 0; }
.trust-sep { color: rgba(255,255,255,0.3); font-size: 0.8rem; }
@media (max-width: 768px) { .trust-bar { padding: 8px 14px; } .trust-sep { display: none; } .trust-bar-inner { gap: 8px 12px; } }

/* ============================================================
   HERO — DUAL CTA
============================================================ */
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 4px; }
.btn-ghost { display: inline-flex; align-items: center; gap: 8px; padding: 13px 24px; border: 2px solid rgba(255,255,255,0.7); border-radius: 999px; color: #fff; font-weight: 700; font-size: 0.9rem; text-decoration: none; transition: background 0.2s, border-color 0.2s; backdrop-filter: blur(4px); }
.btn-ghost:hover { background: rgba(255,255,255,0.15); border-color: #fff; }

/* ============================================================
   HOW IT WORKS
============================================================ */
#how-it-works { background: var(--cream); }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-top: 48px; }
.step-card { background: #fff; border-radius: var(--radius-lg); padding: 36px 28px; position: relative; box-shadow: 0 2px 20px rgba(4,9,86,0.07); transition: transform 0.3s, box-shadow 0.3s; }
.step-card:hover { transform: translateY(-6px); box-shadow: 0 12px 40px rgba(4,9,86,0.13); }
.step-number { position: absolute; top: 24px; right: 24px; font-size: 3rem; font-weight: 700; color: rgba(4,9,86,0.07); line-height: 1; font-family: 'Ovo', serif; }
.step-icon { width: 60px; height: 60px; background: linear-gradient(135deg, var(--navy), var(--rose)); border-radius: 16px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; color: #fff; }
.step-card h3 { font-size: 1.15rem; margin-bottom: 12px; color: var(--navy); }
.step-card p { color: var(--muted); font-size: 0.9rem; line-height: 1.7; }
.steps-cta { text-align: center; margin-top: 48px; }
@media (max-width: 900px) { .steps-grid { grid-template-columns: 1fr; gap: 20px; } }

/* ============================================================
   GOOGLE REVIEWS
============================================================ */
#google-reviews { background: var(--navy); padding: 60px 0; }
.reviews-wrap { display: grid; grid-template-columns: 240px 1fr; gap: 60px; align-items: center; }
.reviews-left { text-align: center; }
.google-badge { display: inline-flex; align-items: center; gap: 8px; background: #fff; border-radius: 999px; padding: 8px 18px; font-size: 0.82rem; font-weight: 700; color: #444; margin-bottom: 20px; }
.reviews-score { font-size: 4rem; font-weight: 700; color: #fff; line-height: 1; margin-bottom: 8px; font-family: 'Ovo', serif; }
.reviews-stars { display: flex; justify-content: center; gap: 4px; margin-bottom: 10px; }
.reviews-stars svg { width: 22px; height: 22px; fill: #f59e0b; }
.reviews-count { color: rgba(255,255,255,0.6); font-size: 0.82rem; }
.reviews-right { display: flex; flex-direction: column; gap: 16px; }
.review-pill { display: flex; gap: 16px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.12); border-radius: 14px; padding: 18px 20px; align-items: flex-start; }
.review-pill-avatar { width: 42px; height: 42px; border-radius: 50%; background: linear-gradient(135deg, var(--rose), #e06a64); display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 700; font-size: 1rem; flex-shrink: 0; }
.review-pill-stars { color: #f59e0b; font-size: 0.9rem; margin-bottom: 4px; }
.review-pill p { color: rgba(255,255,255,0.85); font-size: 0.85rem; line-height: 1.6; margin: 0 0 6px; }
.review-pill span { color: rgba(255,255,255,0.5); font-size: 0.78rem; }
@media (max-width: 768px) { .reviews-wrap { grid-template-columns: 1fr; gap: 32px; } .reviews-left { display: flex; flex-direction: column; align-items: center; } }

/* ============================================================
   STAMP DUTY + AFFORDABILITY CALCULATORS
============================================================ */
#stamp-duty { background: var(--white); }
#affordability { background: var(--cream); }
.sd-breakdown-row { display: flex; justify-content: space-between; font-size: 0.82rem; color: rgba(255,255,255,0.7); padding: 4px 0; border-bottom: 1px solid rgba(255,255,255,0.1); }
.sd-breakdown-row:last-child { border-bottom: none; }
.sd-breakdown-title { font-size: 0.78rem; font-weight: 700; color: rgba(255,255,255,0.5); letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 8px; }

/* ============================================================
   WHATSAPP FLOATING BUTTON
============================================================ */
.whatsapp-btn { position: fixed; bottom: 90px; right: 24px; z-index: 900; width: 56px; height: 56px; background: #25D366; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; box-shadow: 0 4px 20px rgba(37,211,102,0.5); transition: transform 0.2s, box-shadow 0.2s; text-decoration: none; }
.whatsapp-btn:hover { transform: scale(1.1); box-shadow: 0 8px 28px rgba(37,211,102,0.6); }
@media (max-width: 768px) { .whatsapp-btn { bottom: 80px; right: 16px; } }

/* ============================================================
   STICKY MOBILE CTA BAR
============================================================ */
.sticky-cta-bar { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 950; background: #fff; box-shadow: 0 -2px 20px rgba(0,0,0,0.15); padding: 10px 12px; grid-template-columns: 1fr 1fr 1.4fr; gap: 8px; }
@media (max-width: 768px) { .sticky-cta-bar { display: grid; } }
.sticky-cta-call, .sticky-cta-whatsapp, .sticky-cta-book { display: flex; align-items: center; justify-content: center; gap: 6px; padding: 11px 8px; border-radius: 10px; font-size: 0.82rem; font-weight: 700; text-decoration: none; }
.sticky-cta-call { background: var(--navy); color: #fff; }
.sticky-cta-whatsapp { background: #25D366; color: #fff; }
.sticky-cta-book { background: var(--rose); color: #fff; }
@media (max-width: 768px) {
  .floating-privacy-consent {
    bottom: 68px;
    width: calc(100% - 24px);
    max-height: min(52vh, 390px);
    padding: 13px 14px;
  }

  .floating-privacy-label {
    font-size: 0.8rem;
  }

  .floating-privacy-copy p {
    font-size: 0.72rem;
  }
}

/* ============================================================
   EXIT INTENT POPUP
============================================================ */
.exit-popup-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,0.55); z-index: 1100; backdrop-filter: blur(3px); }
.exit-popup { display: none; position: fixed; top: 50%; left: 50%; transform: translate(-50%, -50%) scale(0.95); z-index: 1200; background: #fff; border-radius: 20px; padding: 40px 36px; max-width: 440px; width: 90%; text-align: center; box-shadow: 0 24px 80px rgba(0,0,0,0.2); transition: transform 0.25s; }
.exit-popup.visible, .exit-popup-overlay.visible { display: block; }
.exit-popup.visible { transform: translate(-50%, -50%) scale(1); }
.exit-popup-close { position: absolute; top: 14px; right: 16px; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: #aaa; line-height: 1; }
.exit-popup-icon { width: 72px; height: 72px; background: linear-gradient(135deg, var(--navy), var(--rose)); border-radius: 20px; display: flex; align-items: center; justify-content: center; color: #fff; margin: 0 auto 20px; }
.exit-popup h3 { font-size: 1.5rem; color: var(--navy); margin-bottom: 12px; }
.exit-popup p { color: var(--muted); font-size: 0.92rem; line-height: 1.6; margin-bottom: 24px; }
.exit-popup-ctas { display: flex; flex-direction: column; gap: 12px; }
.exit-popup-whatsapp { display: flex; align-items: center; justify-content: center; gap: 8px; padding: 12px; background: #25D366; color: #fff; border-radius: 999px; font-weight: 700; font-size: 0.9rem; text-decoration: none; }
.exit-popup-dismiss { background: none; border: none; color: #aaa; font-size: 0.8rem; cursor: pointer; margin-top: 16px; text-decoration: underline; }