@import url('https://fonts.googleapis.com/css2?family=Cabinet+Grotesk:wght@300;400;500;700;800;900&family=Editorial+New:ital,wght@0,400;1,400&family=Instrument+Serif:ital@0;1&display=swap');
@import url('https://fonts.googleapis.com/css2?family=Instrument+Serif:ital@0;1&family=Outfit:wght@300;400;500;600;700;800&display=swap');

:root {
  --ink:    #080C0A;
  --ink2:   #0F1610;
  --ink3:   #161E18;
  --ink4:   #1C2620;
  --e50:    #EDFAF2;
  --e100:   #C8F0D8;
  --e200:   #93E3B5;
  --e300:   #4DCE87;
  --e400:   #1DB863;
  --e500:   #0FA652;
  --e600:   #088F43;
  --ivory:  #F5F2EC;
  --sand:   #E8E3D9;
  --mist:   rgba(255,255,255,0.06);
  --mist2:  rgba(255,255,255,0.10);
  --border: rgba(255,255,255,0.08);
  --border2:rgba(29,184,99,0.25);
  --glow:   0 0 60px rgba(29,184,99,0.15);
  --glow2:  0 0 120px rgba(29,184,99,0.08);
  --shadow: 0 32px 80px rgba(0,0,0,0.5);
  --r:  12px;
  --r2: 20px;
  --r3: 32px;
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --ease2: cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Outfit', sans-serif;
  background: var(--ink);
  color: var(--ivory);
  overflow-x: hidden;
  cursor: none;
}

/* ── CUSTOM CURSOR ── */
#cursor {
  position: fixed; width: 12px; height: 12px;
  background: var(--e400); border-radius: 50%;
  pointer-events: none; z-index: 9999;
  transform: translate(-50%,-50%);
  transition: width 0.3s var(--ease), height 0.3s var(--ease), background 0.3s;
  mix-blend-mode: exclusion;
}
#cursor-ring {
  position: fixed; width: 40px; height: 40px;
  border: 1.5px solid var(--e400); border-radius: 50%;
  pointer-events: none; z-index: 9998;
  transform: translate(-50%,-50%);
  transition: all 0.12s var(--ease2);
  opacity: 0.5;
}
body:hover #cursor { opacity: 1; }
a:hover ~ #cursor, button:hover ~ #cursor { width: 40px; height: 40px; }

/* ── SCROLLBAR ── */
::-webkit-scrollbar { width: 3px; }
::-webkit-scrollbar-track { background: var(--ink); }
::-webkit-scrollbar-thumb { background: var(--e400); }

/* ── TYPOGRAPHY ── */
.font-display {
  font-family: 'Instrument Serif', serif;
  font-style: italic;
  line-height: 1.1;
}
.font-head {
  font-family: 'Outfit', sans-serif;
  font-weight: 800;
  line-height: 1.1;
}
h1 { font-size: clamp(3rem, 6.5vw, 6rem); }
h2 { font-size: clamp(2.2rem, 4.5vw, 4rem); }
h3 { font-size: clamp(1.1rem, 1.8vw, 1.4rem); }
p  { color: rgba(245,242,236,0.62); line-height: 1.75; }
a  { text-decoration: none; color: inherit; }

.tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(29,184,99,0.12); border: 1px solid var(--border2);
  color: var(--e300); font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  padding: 7px 16px; border-radius: 50px;
}
.tag-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--e400);
  animation: blink 2s ease-in-out infinite;
}
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:0.3} }

.grad-text {
  background: linear-gradient(135deg, var(--ivory) 30%, var(--e300) 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ── LAYOUT ── */
.container { max-width: 1240px; margin: 0 auto; padding: 0 40px; }
section { position: relative; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 15px 32px; border-radius: 50px;
  font-family: 'Outfit', sans-serif; font-weight: 700; font-size: 0.9rem;
  cursor: none; border: none; transition: all 0.3s var(--ease);
  position: relative; overflow: hidden; letter-spacing: 0.02em;
}
.btn::after {
  content: ''; position: absolute; inset: 0;
  background: rgba(255,255,255,0.12);
  opacity: 0; transition: opacity 0.3s;
}
.btn:hover::after { opacity: 1; }
.btn-primary {
  background: var(--e400); color: var(--ink);
  box-shadow: 0 0 0 0 rgba(29,184,99,0.4);
  animation: btnPulse 3s ease-in-out infinite;
}
.btn-primary:hover {
  background: var(--e300);
  box-shadow: 0 12px 40px rgba(29,184,99,0.4), 0 0 0 0 rgba(29,184,99,0);
  transform: translateY(-2px);
}
@keyframes btnPulse {
  0%,100% { box-shadow: 0 0 0 0 rgba(29,184,99,0.4); }
  50% { box-shadow: 0 0 0 12px rgba(29,184,99,0); }
}
.btn-ghost {
  background: transparent; color: var(--ivory);
  border: 1px solid var(--border);
}
.btn-ghost:hover { border-color: var(--e400); color: var(--e300); transform: translateY(-2px); }

/* ── NAVBAR ── */
#nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 20px 0;
  transition: all 0.5s var(--ease2);
}
#nav.solid {
  background: rgba(8,12,10,0.92);
  backdrop-filter: blur(24px);
  border-bottom: 1px solid var(--border);
  padding: 14px 0;
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; }
.logo {
  font-family: 'Outfit', sans-serif; font-weight: 900;
  font-size: 1.45rem; color: var(--ivory); letter-spacing: -0.02em;
  display: flex; align-items: center; gap: 10px;
}
.logo-mark {
  width: 36px; height: 36px; border-radius: 9px;
  background: var(--e400); display: flex; align-items: center; justify-content: center;
}
.logo-mark svg { width: 20px; }
.logo em { color: var(--e400); font-style: normal; }
.nav-links { display: flex; gap: 36px; list-style: none; }
.nav-links a {
  font-size: 0.85rem; font-weight: 500; color: rgba(245,242,236,0.6);
  transition: color 0.3s; letter-spacing: 0.02em;
}
.nav-links a:hover { color: var(--e300); }
.nav-actions { display: flex; align-items: center; gap: 14px; }
.nav-phone {
  font-size: 0.82rem; font-weight: 700; color: var(--e300);
  display: flex; align-items: center; gap: 6px;
}
.hbg { display: none; flex-direction: column; gap: 5px; cursor: none; }
.hbg span { display: block; width: 22px; height: 1.5px; background: var(--ivory); border-radius: 1px; transition: 0.3s var(--ease2); }

/* ── HERO ── */
#hero {
  min-height: 100vh; display: flex; align-items: center;
  padding: 120px 0 80px;
  background: var(--ink);
  overflow: hidden;
}

/* Gradient mesh bg */
.hero-mesh {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(29,184,99,0.08) 0%, transparent 60%),
    radial-gradient(ellipse 50% 50% at 10% 80%, rgba(29,184,99,0.04) 0%, transparent 50%),
    radial-gradient(ellipse 40% 40% at 90% 90%, rgba(8,143,67,0.06) 0%, transparent 50%);
}

/* Grid overlay */
.hero-grid-overlay {
  position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 80px 80px;
}

/* Hero 3D canvas */
#heroCanvas {
  position: absolute; inset: 0; width: 100%; height: 100%;
  pointer-events: none;
}

.hero-inner {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}

.hero-kicker {
  margin-bottom: 24px;
  animation: slideUp 1s var(--ease) 0.1s both;
}

.hero-title {
  margin-bottom: 28px;
  animation: slideUp 1s var(--ease) 0.2s both;
}
.hero-title .line { display: block; overflow: hidden; }
.hero-title .line-inner {
  display: block;
  animation: lineReveal 1s var(--ease) both;
}
.hero-title .line:nth-child(1) .line-inner { animation-delay: 0.25s; }
.hero-title .line:nth-child(2) .line-inner { animation-delay: 0.38s; }
.hero-title .line:nth-child(3) .line-inner { animation-delay: 0.51s; }
@keyframes lineReveal { from { transform: translateY(110%); } to { transform: translateY(0); } }

.hero-sub {
  font-size: 1.05rem; max-width: 460px;
  animation: slideUp 1s var(--ease) 0.6s both;
  margin-bottom: 40px;
}

.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; animation: slideUp 1s var(--ease) 0.75s both; }

.hero-metrics {
  display: flex; gap: 0; margin-top: 48px;
  background: var(--mist); border: 1px solid var(--border);
  border-radius: var(--r2); padding: 20px 0;
  animation: slideUp 1s var(--ease) 0.9s both;
  backdrop-filter: blur(10px);
}
.metric { flex: 1; text-align: center; padding: 0 20px; }
.metric + .metric { border-left: 1px solid var(--border); }
.metric-num {
  font-family: 'Outfit', sans-serif; font-weight: 900;
  font-size: 1.9rem; color: var(--e300); line-height: 1;
}
.metric-lbl { font-size: 0.72rem; color: rgba(245,242,236,0.45); margin-top: 4px; font-weight: 500; letter-spacing: 0.05em; }

/* Hero RIGHT — 3D floating card stack */
.hero-visual { position: relative; animation: fadeIn 1.2s var(--ease) 0.3s both; }
.card-stack { position: relative; }

.main-card {
  background: var(--ink3);
  border: 1px solid var(--border);
  border-radius: var(--r3);
  padding: 36px;
  box-shadow: var(--shadow);
  position: relative; overflow: hidden;
  animation: floatCard 7s ease-in-out infinite;
  transform-style: preserve-3d;
}
.main-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 80% 20%, rgba(29,184,99,0.08) 0%, transparent 60%);
}

@keyframes floatCard {
  0%,100% { transform: perspective(1200px) rotateX(0deg) rotateY(0deg) translateY(0px); }
  25%     { transform: perspective(1200px) rotateX(2deg) rotateY(-2deg) translateY(-12px); }
  50%     { transform: perspective(1200px) rotateX(-1deg) rotateY(2deg) translateY(-6px); }
  75%     { transform: perspective(1200px) rotateX(2deg) rotateY(1deg) translateY(-16px); }
}

.card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 28px; }
.card-label { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.15em; text-transform: uppercase; color: rgba(245,242,236,0.4); }
.live-badge {
  display: flex; align-items: center; gap: 6px;
  font-size: 0.68rem; font-weight: 700; color: var(--e300);
  background: rgba(29,184,99,0.1); border: 1px solid var(--border2);
  padding: 4px 10px; border-radius: 50px;
}
.live-dot { width: 5px; height: 5px; border-radius: 50%; background: var(--e400); animation: blink 1.5s ease-in-out infinite; }

.card-amount {
  font-family: 'Outfit', sans-serif; font-weight: 900;
  font-size: 3rem; color: var(--ivory); line-height: 1;
  margin-bottom: 4px;
}
.card-sub { font-size: 0.78rem; color: rgba(245,242,236,0.38); margin-bottom: 32px; }

.fund-rows { display: flex; flex-direction: column; gap: 16px; }
.fund-row-item {}
.fund-info { display: flex; justify-content: space-between; margin-bottom: 7px; font-size: 0.8rem; }
.fund-nm { color: rgba(245,242,236,0.7); font-weight: 500; }
.fund-pc { color: var(--e300); font-weight: 700; }
.fund-bar { height: 4px; background: rgba(255,255,255,0.06); border-radius: 2px; overflow: hidden; }
.fund-bar-fill {
  height: 100%; border-radius: 2px;
  background: linear-gradient(90deg, var(--e600), var(--e300));
  transform: scaleX(0); transform-origin: left;
  animation: growBar 1.6s var(--ease) 1s forwards;
}
@keyframes growBar { to { transform: scaleX(1); } }

/* Floating mini cards */
.float-card {
  position: absolute;
  background: var(--ink4); border: 1px solid var(--border);
  border-radius: var(--r2); padding: 16px 20px;
  box-shadow: 0 20px 50px rgba(0,0,0,0.5);
  backdrop-filter: blur(20px);
}
.fc-a {
  top: -24px; right: -28px;
  animation: fc1 5s ease-in-out infinite;
}
.fc-b {
  bottom: -20px; left: -28px;
  animation: fc2 4.5s ease-in-out 1s infinite;
}
.fc-c {
  top: 45%; right: -36px;
  animation: fc3 6s ease-in-out 2s infinite;
}
@keyframes fc1 { 0%,100%{transform:translate(0,0)rotate(-3deg)} 50%{transform:translate(6px,-10px)rotate(2deg)} }
@keyframes fc2 { 0%,100%{transform:translate(0,0)rotate(2deg)} 50%{transform:translate(-6px,8px)rotate(-2deg)} }
@keyframes fc3 { 0%,100%{transform:translate(0,-50%)rotate(-1deg)} 50%{transform:translate(8px,calc(-50% - 8px))rotate(2deg)} }
.fc-lbl { font-size: 0.68rem; font-weight: 600; color: rgba(245,242,236,0.38); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 3px; }
.fc-val { font-family: 'Outfit', sans-serif; font-weight: 800; font-size: 1rem; color: var(--ivory); }
.fc-val.green { color: var(--e300); }
.fc-val.small { font-size: 0.85rem; }

/* ── TRUST STRIP ── */
#trust {
  padding: 0;
  background: var(--ink2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  overflow: hidden;
}
.trust-track {
  display: flex; gap: 0; width: max-content;
  animation: ticker 25s linear infinite;
  padding: 18px 0;
}
.trust-track:hover { animation-play-state: paused; }
@keyframes ticker { from{transform:translateX(0)} to{transform:translateX(-50%)} }
.trust-item {
  display: flex; align-items: center; gap: 10px;
  padding: 0 36px; font-size: 0.78rem; font-weight: 600;
  color: rgba(245,242,236,0.5); letter-spacing: 0.06em; white-space: nowrap;
  border-right: 1px solid var(--border);
}
.trust-item span { color: var(--e400); font-size: 1rem; }

/* ── SECTION STYLES ── */
.section-intro { margin-bottom: 64px; }
.section-num {
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.2em;
  color: rgba(245,242,236,0.25); text-transform: uppercase; margin-bottom: 16px;
}

/* ── INSURERS ── */
#insurers { padding: 120px 0; background: var(--ink); }

.insurers-head { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 64px; }
.insurers-head h2 { max-width: 540px; }
.insurers-head p { max-width: 280px; text-align: right; }

.grid-10 {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--r2);
  overflow: hidden;
}
.ins-card {
  background: var(--ink2);
  padding: 28px 24px;
  transition: all 0.4s var(--ease);
  position: relative; overflow: hidden;
  cursor: none;
}
.ins-card::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(29,184,99,0.06) 0%, transparent 60%);
  opacity: 0; transition: opacity 0.4s;
}
.ins-card:hover { background: var(--ink3); transform: scale(1.02); z-index: 2; }
.ins-card:hover::before { opacity: 1; }

.ins-logo {
  width: 52px; height: 52px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Outfit', sans-serif; font-weight: 900; font-size: 0.75rem;
  letter-spacing: 0.05em; margin-bottom: 16px;
  border: 1px solid rgba(255,255,255,0.06);
}
.ins-name { font-size: 0.82rem; font-weight: 700; color: var(--ivory); margin-bottom: 6px; line-height: 1.3; }
.ins-ret {
  font-family: 'Outfit', sans-serif; font-weight: 900;
  font-size: 1.1rem; color: var(--e300);
}
.ins-ret-lbl { font-size: 0.65rem; color: rgba(245,242,236,0.35); margin-top: 2px; }
.ins-hot {
  position: absolute; top: 16px; right: 16px;
  font-size: 0.6rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--e400); background: rgba(29,184,99,0.12); border: 1px solid var(--border2);
  padding: 2px 8px; border-radius: 50px;
}
.ins-feats { margin-top: 12px; display: flex; flex-direction: column; gap: 4px; }
.ins-feat { font-size: 0.68rem; color: rgba(245,242,236,0.35); display: flex; align-items: center; gap: 5px; }
.ins-feat::before { content: '–'; color: var(--e500); }

/* ── CALCULATOR ── */
#calculator {
  padding: 120px 0;
  background: var(--ink2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

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

.slider-group { margin-bottom: 32px; }
.slider-top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; }
.slider-label { font-size: 0.78rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(245,242,236,0.45); }
.slider-val { font-family: 'Outfit', sans-serif; font-weight: 900; font-size: 1.05rem; color: var(--e300); }

input[type=range] {
  width: 100%; -webkit-appearance: none; height: 3px; border-radius: 2px;
  background: linear-gradient(90deg, var(--e400) var(--p,30%), rgba(255,255,255,0.08) var(--p,30%));
  cursor: none; outline: none;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--ink); border: 3px solid var(--e400);
  box-shadow: 0 0 0 5px rgba(29,184,99,0.18), 0 0 20px rgba(29,184,99,0.3);
  cursor: none; transition: box-shadow 0.3s;
}
input[type=range]::-webkit-slider-thumb:hover {
  box-shadow: 0 0 0 8px rgba(29,184,99,0.22), 0 0 30px rgba(29,184,99,0.4);
}

.result-display {
  background: var(--ink3); border: 1px solid var(--border);
  border-radius: var(--r3); padding: 40px; position: relative; overflow: hidden;
}
.result-display::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--e400), transparent);
}
.result-lbl { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: rgba(245,242,236,0.35); margin-bottom: 10px; }
.result-amount {
  font-family: 'Outfit', sans-serif; font-weight: 900;
  font-size: 3.2rem; color: var(--ivory); line-height: 1; margin-bottom: 6px;
}
.result-tag { font-size: 0.75rem; color: var(--e400); font-weight: 600; margin-bottom: 36px; }

.result-bars { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.rbar { }
.rbar-info { display: flex; justify-content: space-between; font-size: 0.75rem; margin-bottom: 6px; }
.rbar-name { color: rgba(245,242,236,0.5); font-weight: 500; }
.rbar-amt { color: var(--ivory); font-weight: 700; }
.rbar-track { height: 6px; background: rgba(255,255,255,0.06); border-radius: 3px; overflow: hidden; }
.rbar-fill { height: 100%; border-radius: 3px; transition: width 0.8s var(--ease); }
.rbar-fill.invested { background: rgba(245,242,236,0.15); }
.rbar-fill.gains { background: linear-gradient(90deg, var(--e600), var(--e300)); }

.result-4grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.r4item { background: var(--mist); border: 1px solid var(--border); border-radius: var(--r); padding: 16px; }
.r4lbl { font-size: 0.67rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(245,242,236,0.3); margin-bottom: 5px; }
.r4val { font-family: 'Outfit', sans-serif; font-weight: 800; font-size: 1rem; color: var(--ivory); }
.r4val.g { color: var(--e300); }

/* ── WHY US ── */
#why { padding: 120px 0; background: var(--ink); }

.why-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 100px; align-items: start; }
.why-left h2 { margin-bottom: 24px; }
.why-left p { margin-bottom: 40px; }

.why-grid { display: flex; flex-direction: column; gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--r2); overflow: hidden; }
.why-item {
  background: var(--ink2); padding: 28px 32px;
  display: flex; align-items: flex-start; gap: 20px;
  transition: background 0.3s; cursor: none; position: relative;
}
.why-item:hover { background: var(--ink3); }
.why-item::after {
  content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 2px;
  background: var(--e400); transform: scaleY(0); transition: transform 0.3s var(--ease);
}
.why-item:hover::after { transform: scaleY(1); }
.why-icon-wrap {
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(29,184,99,0.1); border: 1px solid var(--border2);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; flex-shrink: 0;
}
.why-text-t { font-size: 0.9rem; font-weight: 700; color: var(--ivory); margin-bottom: 4px; }
.why-text-d { font-size: 0.8rem; color: rgba(245,242,236,0.42); line-height: 1.6; }

/* ── HOW IT WORKS ── */
#how { padding: 120px 0; background: var(--ink2); border-top: 1px solid var(--border); }

.steps-row { display: grid; grid-template-columns: repeat(4,1fr); gap: 2px; background: var(--border); border: 1px solid var(--border); border-radius: var(--r2); overflow: hidden; margin-top: 64px; }
.step-box {
  background: var(--ink3); padding: 36px 28px;
  position: relative; cursor: none; transition: background 0.3s;
}
.step-box:hover { background: var(--ink4); }
.step-n {
  font-family: 'Outfit', sans-serif; font-weight: 900; font-size: 3rem;
  color: rgba(29,184,99,0.12); line-height: 1; margin-bottom: 20px;
  transition: color 0.3s;
}
.step-box:hover .step-n { color: rgba(29,184,99,0.25); }
.step-t { font-size: 0.92rem; font-weight: 700; color: var(--ivory); margin-bottom: 10px; }
.step-d { font-size: 0.78rem; color: rgba(245,242,236,0.4); line-height: 1.65; }
.step-arrow {
  position: absolute; top: 36px; right: 28px;
  font-size: 1.2rem; color: rgba(245,242,236,0.1);
  transition: color 0.3s, transform 0.3s;
}
.step-box:hover .step-arrow { color: var(--e400); transform: translate(3px,-3px); }

/* ── TESTIMONIALS ── */
#testi { padding: 120px 0; background: var(--ink); }

.testi-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.t-card {
  background: var(--ink2); border: 1px solid var(--border);
  border-radius: var(--r2); padding: 32px;
  transition: all 0.4s var(--ease); cursor: none; position: relative;
}
.t-card:hover { border-color: var(--border2); transform: translateY(-6px); box-shadow: 0 24px 60px rgba(0,0,0,0.5), var(--glow); }
.t-stars { font-size: 0.7rem; letter-spacing: 3px; color: var(--e400); margin-bottom: 18px; }
.t-quote { font-size: 0.88rem; line-height: 1.75; color: rgba(245,242,236,0.62); margin-bottom: 24px; font-style: italic; }
.t-foot { display: flex; align-items: center; gap: 12px; }
.t-av {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--e600), var(--e400));
  display: flex; align-items: center; justify-content: center;
  font-family: 'Outfit', sans-serif; font-weight: 900; font-size: 0.9rem;
  color: var(--ink); flex-shrink: 0;
}
.t-name { font-size: 0.85rem; font-weight: 700; color: var(--ivory); }
.t-plan { font-size: 0.72rem; color: var(--e400); font-weight: 600; margin-top: 2px; }

/* ── FAQ ── */
#faq { padding: 120px 0; background: var(--ink2); border-top: 1px solid var(--border); }

.faq-layout { display: grid; grid-template-columns: 1fr 1.4fr; gap: 100px; align-items: start; }
.faq-left h2 { margin-bottom: 20px; }

.faq-list { }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px 0; cursor: none; gap: 20px;
  font-size: 0.92rem; font-weight: 600; color: rgba(245,242,236,0.75);
  transition: color 0.3s;
}
.faq-q:hover { color: var(--ivory); }
.faq-q .faq-plus {
  width: 28px; height: 28px; border-radius: 50%; flex-shrink: 0;
  background: var(--mist); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 300; color: var(--e400);
  transition: all 0.3s var(--ease);
}
.faq-item.open .faq-q { color: var(--ivory); }
.faq-item.open .faq-plus { background: var(--e400); color: var(--ink); transform: rotate(45deg); border-color: var(--e400); }
.faq-a {
  font-size: 0.85rem; color: rgba(245,242,236,0.45); line-height: 1.8;
  max-height: 0; overflow: hidden; transition: max-height 0.5s var(--ease2), padding 0.3s;
}
.faq-item.open .faq-a { max-height: 300px; padding-bottom: 20px; }

/* ── CONTACT ── */
#contact { padding: 120px 0; background: var(--ink); position: relative; overflow: hidden; }
#contact::before {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 400px;
  background: radial-gradient(ellipse 60% 80% at 50% 100%, rgba(29,184,99,0.07) 0%, transparent 60%);
}

.contact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 80px; align-items: start; }
.contact-left {}
.contact-left h2 { margin-bottom: 18px; }
.contact-left p { margin-bottom: 40px; }

.clink {
  display: flex; align-items: center; gap: 16px;
  padding: 20px 24px; border-radius: var(--r2);
  background: var(--mist); border: 1px solid var(--border);
  margin-bottom: 12px; transition: all 0.3s var(--ease); cursor: none;
}
.clink:hover { background: rgba(29,184,99,0.06); border-color: var(--border2); transform: translateX(6px); }
.cl-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(29,184,99,0.1); border: 1px solid var(--border2);
  display: flex; align-items: center; justify-content: center; font-size: 1.1rem; flex-shrink: 0;
}
.cl-l { font-size: 0.7rem; color: rgba(245,242,236,0.35); font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }
.cl-v { font-size: 0.92rem; font-weight: 700; color: var(--e300); margin-top: 2px; }

.contact-form {
  background: var(--ink2); border: 1px solid var(--border);
  border-radius: var(--r3); padding: 44px; position: relative; overflow: hidden;
}
.contact-form::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--e400), transparent);
}
.form-title { font-family: 'Outfit', sans-serif; font-weight: 800; font-size: 1.3rem; color: var(--ivory); margin-bottom: 28px; }

.fg { margin-bottom: 16px; }
.fg label { display: block; font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(245,242,236,0.35); margin-bottom: 8px; }
.fg input, .fg select, .fg textarea {
  width: 100%; background: rgba(255,255,255,0.04); border: 1px solid var(--border);
  border-radius: var(--r); padding: 13px 16px; color: var(--ivory);
  font-family: 'Outfit', sans-serif; font-size: 0.9rem; font-weight: 500;
  outline: none; transition: all 0.3s; -webkit-appearance: none;
}
.fg input::placeholder, .fg textarea::placeholder { color: rgba(245,242,236,0.2); }
.fg input:focus, .fg select:focus, .fg textarea:focus {
  border-color: var(--e400); background: rgba(29,184,99,0.04);
  box-shadow: 0 0 0 3px rgba(29,184,99,0.1);
}
.fg select option { background: var(--ink2); }
.fg textarea { resize: vertical; min-height: 90px; }
.fg-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

.form-ok {
  display: none; background: rgba(29,184,99,0.08); border: 1px solid var(--border2);
  border-radius: var(--r); padding: 14px; text-align: center;
  color: var(--e300); font-weight: 700; margin-top: 14px; font-size: 0.88rem;
}

/* ── FOOTER ── */
footer {
  background: var(--ink2); border-top: 1px solid var(--border); padding: 64px 0 32px;
}
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand .logo { margin-bottom: 16px; }
.footer-about { font-size: 0.82rem; color: rgba(245,242,236,0.38); line-height: 1.7; margin-bottom: 24px; }
.f-socials { display: flex; gap: 10px; }
.f-social {
  width: 36px; height: 36px; border-radius: 9px;
  background: var(--mist); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.82rem; color: rgba(245,242,236,0.4);
  transition: all 0.3s; cursor: none;
}
.f-social:hover { background: var(--e400); color: var(--ink); border-color: var(--e400); }
.f-col-title { font-size: 0.68rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.15em; color: rgba(245,242,236,0.25); margin-bottom: 18px; }
.f-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.f-links a { font-size: 0.82rem; color: rgba(245,242,236,0.4); transition: color 0.3s; cursor: none; }
.f-links a:hover { color: var(--e300); }
.footer-bottom { border-top: 1px solid var(--border); padding-top: 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.footer-copy { font-size: 0.75rem; color: rgba(245,242,236,0.22); }
.footer-disc { font-size: 0.7rem; color: rgba(245,242,236,0.18); line-height: 1.65; margin-top: 20px; border-top: 1px solid var(--border); padding-top: 20px; }

/* ── WHATSAPP ── */
.wa {
  position: fixed; bottom: 28px; right: 28px; z-index: 999;
  display: flex; align-items: center; gap: 10px;
  background: #25D366; color: white;
  padding: 13px 22px; border-radius: 50px;
  font-family: 'Outfit', sans-serif; font-weight: 700; font-size: 0.85rem;
  box-shadow: 0 8px 32px rgba(37,211,102,0.4); cursor: none;
  transition: all 0.3s var(--ease);
  animation: popIn 0.6s var(--ease) 2.5s both;
}
.wa:hover { transform: translateY(-3px) scale(1.04); box-shadow: 0 16px 48px rgba(37,211,102,0.5); }
@keyframes popIn { from{opacity:0;transform:scale(0.7)translateY(20px)} to{opacity:1;transform:scale(1)translateY(0)} }

/* ── SCROLL ANIMATIONS ── */
[data-reveal] {
  opacity: 0;
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
[data-reveal="up"] { transform: translateY(50px); }
[data-reveal="left"] { transform: translateX(-50px); }
[data-reveal="right"] { transform: translateX(50px); }
[data-reveal="scale"] { transform: scale(0.92); }
[data-reveal="rotate"] { transform: perspective(600px) rotateX(12deg); transform-origin: bottom; }
[data-reveal].revealed { opacity: 1; transform: none; }

/* ── MOBILE MENU ── */
.mob-nav { display: none; position: fixed; inset: 0; z-index: 1100; background: var(--ink); flex-direction: column; align-items: center; justify-content: center; gap: 28px; }
.mob-nav.on { display: flex; }
.mob-x { position: absolute; top: 24px; right: 28px; font-size: 1.8rem; cursor: none; color: var(--ivory); }
.mob-nav a { font-family: 'Outfit', sans-serif; font-weight: 800; font-size: 1.6rem; color: var(--ivory); }
.mob-nav a:hover { color: var(--e300); }

/* ── ANIMATIONS ── */
@keyframes slideUp { from{opacity:0;transform:translateY(32px)} to{opacity:1;transform:translateY(0)} }
@keyframes fadeIn { from{opacity:0} to{opacity:1} }

/* ── RESPONSIVE ── */
@media(max-width:1100px) {
  .hero-inner { grid-template-columns: 1fr; gap: 60px; }
  .hero-visual { display: none; }
  .insurers-head { flex-direction: column; align-items: flex-start; gap: 16px; }
  .insurers-head p { text-align: left; }
  .grid-10 { grid-template-columns: repeat(3,1fr); }
  .calc-grid { grid-template-columns: 1fr; }
  .why-layout { grid-template-columns: 1fr; gap: 48px; }
  .faq-layout { grid-template-columns: 1fr; gap: 48px; }
  .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .steps-row { grid-template-columns: 1fr 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
}
@media(max-width:768px) {
  body { cursor: auto; }
  #cursor, #cursor-ring { display: none; }
  .container { padding: 0 20px; }
  section, #hero { padding: 80px 0; }
  .nav-links, .nav-actions { display: none; }
  .hbg { display: flex; }
  h1 { font-size: 2.5rem; }
  h2 { font-size: 1.9rem; }
  .hero-metrics { flex-wrap: wrap; }
  .metric { min-width: 45%; }
  .grid-10 { grid-template-columns: 1fr 1fr; }
  .steps-row { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .fg-2 { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}