/*
Theme Name: Moneysante Investment Corp
Theme URI: https://moneysante.com
Author: Moneysante Investment Corp
Description: Official WordPress theme for Moneysante Investment Corp – AMFI Registered Mutual Fund Distributor (ARN: 325086). Includes all pages: Home, About Us, Products (6 sub-pages), Services, Tools with SIP Calculator, Resources, Blog, Partner Empanelment Form, Partner/Investor Login portals, and Contact Us.
Version: 2.0.0
Requires at least: 6.2
Tested up to: 6.7
Requires PHP: 8.0
License: GNU General Public License v2
Text Domain: moneysante
Tags: finance, investment, mutual-fund, business, custom-menu, featured-images
*/

/* ═══════════════════════════════════════════════════
   DESIGN TOKENS
═══════════════════════════════════════════════════ */
:root {
  --navy:    #0D2B1C;
  --blue:    #1B4332;
  --gold:    #C8973A;
  --gold-lt: #F0C96E;
  --green:   #1A7A4A;
  --cream:   #FAF8F4;
  --border:  #E5DDD0;
  --gray:    #6B7280;
  --text:    #1C1C2E;
  --white:   #ffffff;
  --light:   #F3F4F6;
  --font-h:  'Playfair Display', Georgia, serif;
  --font-b:  'DM Sans', -apple-system, sans-serif;
  --r1: 6px; --r2: 12px; --r3: 18px; --r4: 24px;
  --sh1: 0 2px 8px rgba(13,43,28,.07);
  --sh2: 0 8px 28px rgba(13,43,28,.12);
  --sh3: 0 20px 56px rgba(13,43,28,.18);
  --tr: all .22s ease;
}

/* ═══════════════════════════════════════════════════
   RESET & BASE
═══════════════════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--font-b); color: var(--text); background: #fff;
       line-height: 1.65; overflow-x: hidden; -webkit-font-smoothing: antialiased; }
img  { max-width: 100%; height: auto; display: block; }
a    { color: var(--gold); text-decoration: none; transition: var(--tr); }
a:hover { color: var(--navy); }
ul, ol { list-style: none; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-h); color: var(--navy);
                      line-height: 1.18; font-weight: 700; }
input,select,textarea,button { font-family: var(--font-b); }

/* ═══════════════════════════════════════════════════
   LAYOUT
═══════════════════════════════════════════════════ */
.wrap        { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.wrap-sm     { max-width: 800px;  margin: 0 auto; padding: 0 24px; }
.wrap-lg     { max-width: 1380px; margin: 0 auto; padding: 0 24px; }
.sec         { padding: 80px 0; }
.sec-sm      { padding: 52px 0; }
.sec-lg      { padding: 110px 0; }
.sec-cream   { background: var(--cream); }
.sec-navy    { background: var(--navy);  }
.sec-dark    { background: linear-gradient(155deg, #0D2B1C 0%, #163D26 60%, #071510 100%); }
.grid2       { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.grid3       { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.grid4       { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.grid2-w     { display: grid; grid-template-columns: 1.4fr 1fr; gap: 64px; }
.grid2-r     { display: grid; grid-template-columns: 1fr 1.4fr; gap: 64px; }
.ai-c        { align-items: center; }
.text-c      { text-align: center; }

/* ═══════════════════════════════════════════════════
   TYPOGRAPHY HELPERS
═══════════════════════════════════════════════════ */
.eyebrow { display: block; font-size: 11px; font-weight: 700;
           letter-spacing: 2.5px; text-transform: uppercase;
           color: var(--gold); margin-bottom: 10px; font-family: var(--font-b); }
.heading { font-size: clamp(26px, 3.8vw, 42px); margin-bottom: 14px; }
.subhead { font-size: 16px; color: var(--gray); line-height: 1.72;
           max-width: 560px; margin-bottom: 48px; }
.subhead-c { margin-left: auto; margin-right: auto; }
.bar   { width: 52px; height: 3px;
         background: linear-gradient(90deg, var(--gold), var(--gold-lt));
         border-radius: 2px; margin: 16px 0 28px; }
.bar-c { margin-left: auto; margin-right: auto; }

/* ═══════════════════════════════════════════════════
   BUTTONS
═══════════════════════════════════════════════════ */
.btn { display: inline-flex; align-items: center; gap: 8px;
       padding: 12px 26px; border-radius: var(--r1); font-size: 14.5px;
       font-weight: 600; border: 2px solid transparent; cursor: pointer;
       transition: var(--tr); text-decoration: none; line-height: 1; white-space: nowrap; }
.btn-lg { padding: 15px 34px; font-size: 16px; border-radius: 10px; }
.btn-sm { padding: 9px 18px; font-size: 13px; }
.btn-full { width: 100%; justify-content: center; }
.btn-gold  { background: linear-gradient(135deg, var(--gold), var(--gold-lt)); color: var(--navy); }
.btn-gold:hover  { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(200,151,58,.45); color: var(--navy); }
.btn-navy  { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-navy:hover  { background: #163D26; color: #fff; }
.btn-white { background: #fff; color: var(--navy); }
.btn-white:hover { transform: translateY(-1px); box-shadow: var(--sh2); color: var(--navy); }
.btn-ghost-w { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.btn-ghost-w:hover { border-color: #fff; background: rgba(255,255,255,.08); color: #fff; }
.btn-ghost-n { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-ghost-n:hover { background: var(--navy); color: #fff; }
.btn-ghost-g { background: transparent; color: var(--gold); border-color: var(--gold); }
.btn-ghost-g:hover { background: var(--gold); color: var(--navy); }

/* ═══════════════════════════════════════════════════
   HEADER / NAV
═══════════════════════════════════════════════════ */
#site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 9999;
  height: 70px;
  background: rgba(13,43,28,.97);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(200,151,58,.22);
  transition: var(--tr);
}
#site-header.scrolled { box-shadow: 0 4px 28px rgba(0,0,0,.35); }
.nav-inner {
  height: 70px; display: flex; align-items: center;
  justify-content: space-between; gap: 16px;
}
/* Logo */
.site-logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.site-logo-img {
  height: 48px; width: auto; display: block;
  object-fit: contain; border-radius: 4px;
  filter: drop-shadow(0 1px 4px rgba(0,0,0,.3));
}
.logo-emblem {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--gold), var(--gold-lt));
  border-radius: 10px; display: flex; align-items: center;
  justify-content: center; font-family: var(--font-h);
  font-size: 20px; font-weight: 800; color: var(--navy); flex-shrink: 0;
}
.logo-name  { font-family: var(--font-h); font-size: 17px; font-weight: 700;
              color: #fff; display: block; line-height: 1.1; }
.logo-sub   { font-size: 9px; color: var(--gold); letter-spacing: 1.8px;
              text-transform: uppercase; display: block; margin-top: 1px; }
/* Menu */
#main-nav { display: flex; align-items: center; flex: 1; justify-content: center; }
#main-nav ul { display: flex; align-items: center; gap: 2px; }
#main-nav ul li { position: relative; }
#main-nav ul li > a {
  color: rgba(255,255,255,.82); font-size: 13px; font-weight: 500;
  padding: 6px 11px; border-radius: 6px; transition: var(--tr);
  display: block; white-space: nowrap;
}
#main-nav ul li > a:hover,
#main-nav ul li.current-menu-item > a,
#main-nav ul li.current-menu-parent > a {
  color: #fff; background: rgba(255,255,255,.1);
}
#main-nav ul li ul {
  display: none; position: absolute; top: calc(100% + 6px); left: 0;
  background: var(--navy); border: 1px solid rgba(200,151,58,.25);
  border-radius: var(--r3); padding: 8px; min-width: 210px;
  box-shadow: var(--sh3); z-index: 200;
}
#main-nav ul li:hover > ul { display: block; }
#main-nav ul li ul li a {
  color: rgba(255,255,255,.78); padding: 9px 14px;
  border-radius: 7px; font-size: 13px; display: block;
}
#main-nav ul li ul li a:hover { background: rgba(255,255,255,.1); color: #fff; }
/* CTA area */
.nav-actions { display: flex; gap: 8px; align-items: center; flex-shrink: 0; }
.nav-partner {
  background: transparent; border: 1.5px solid var(--gold);
  color: var(--gold); padding: 7px 15px; border-radius: 7px;
  font-size: 12.5px; font-weight: 600; transition: var(--tr);
  text-decoration: none; white-space: nowrap;
}
.nav-partner:hover { background: var(--gold); color: var(--navy); }
.nav-invest {
  background: linear-gradient(135deg, var(--gold), var(--gold-lt));
  color: var(--navy); padding: 7px 16px; border-radius: 7px;
  font-size: 12.5px; font-weight: 700; transition: var(--tr);
  text-decoration: none; white-space: nowrap;
}
.nav-invest:hover { transform: translateY(-1px); box-shadow: 0 4px 16px rgba(200,151,58,.5); color: var(--navy); }
/* Hamburger */
.hamburger {
  display: none; background: none; border: 1.5px solid rgba(255,255,255,.3);
  border-radius: 7px; width: 40px; height: 40px; flex-direction: column;
  align-items: center; justify-content: center; gap: 5px; cursor: pointer;
}
.hamburger span { display: block; width: 18px; height: 2px;
                  background: #fff; border-radius: 2px; transition: var(--tr); }

/* ═══════════════════════════════════════════════════
   PAGE BANNER (interior pages)
═══════════════════════════════════════════════════ */
.page-banner {
  padding: 130px 0 72px;
  background: linear-gradient(160deg, var(--navy) 0%, #1B4332 50%, #071510 100%);
  position: relative; overflow: hidden; text-align: center;
}
.page-banner::after {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 700px 380px at 50% 80%,
              rgba(200,151,58,.08), transparent 68%);
}
.page-banner .wrap { position: relative; z-index: 2; }
.page-banner h1 { font-size: clamp(30px, 5vw, 54px); color: #fff; margin-bottom: 12px; }
.page-banner h1 .gold { color: var(--gold); }
.page-banner p { font-size: 17px; color: rgba(255,255,255,.65);
                 max-width: 580px; margin: 0 auto 22px; line-height: 1.7; }
.breadcrumbs { display: flex; align-items: center; justify-content: center;
               gap: 8px; font-size: 13px; color: rgba(255,255,255,.45); }
.breadcrumbs a { color: var(--gold); }
.breadcrumbs span { color: rgba(255,255,255,.3); }

/* ═══════════════════════════════════════════════════
   HERO
═══════════════════════════════════════════════════ */
.hero {
  min-height: 100vh; padding-top: 70px;
  background: linear-gradient(160deg, var(--navy) 0%, #1B4332 55%, #071510 100%);
  display: flex; align-items: center; position: relative; overflow: hidden;
}
.hero-glow {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 850px 520px at 72% 45%, rgba(200,151,58,.075), transparent 70%),
    radial-gradient(ellipse 500px 420px at 8%  82%, rgba(26,122,74,.09),  transparent 65%);
}
.hero-dots {
  position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(200,151,58,.032) 1px, transparent 1px),
    linear-gradient(90deg, rgba(200,151,58,.032) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-inner {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr; gap: 72px;
  align-items: center; padding: 88px 24px 80px;
  max-width: 1180px; margin: 0 auto; width: 100%;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(200,151,58,.14); border: 1px solid rgba(200,151,58,.38);
  border-radius: 50px; padding: 6px 16px; font-size: 11px; color: var(--gold);
  font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; margin-bottom: 22px;
}
.pulse { width: 7px; height: 7px; background: var(--gold); border-radius: 50%;
         animation: pulse 2s ease-in-out infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)}50%{opacity:.3;transform:scale(.8)} }
.hero h1 { font-size: clamp(36px, 5.5vw, 60px); font-weight: 800;
           color: #fff; line-height: 1.06; margin-bottom: 20px; }
.hero h1 .gold { color: var(--gold); }
.hero-desc { font-size: 17px; color: rgba(255,255,255,.68);
             line-height: 1.75; margin-bottom: 36px; max-width: 470px; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 44px; }
.hero-stats { display: flex; gap: 28px; align-items: center; }
.hs-n { font-family: var(--font-h); font-size: 27px; font-weight: 700;
        color: var(--gold); line-height: 1; }
.hs-l { font-size: 11px; color: rgba(255,255,255,.46); margin-top: 3px; }
.hs-div { width: 1px; height: 36px; background: rgba(255,255,255,.15); }
/* Portal cards */
.portal-stack { display: flex; flex-direction: column; gap: 16px; }
.pcard {
  display: block; background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.11); border-radius: var(--r4);
  padding: 26px 30px; backdrop-filter: blur(10px);
  transition: var(--tr); text-decoration: none; position: relative; overflow: hidden;
}
.pcard::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 3px; border-radius: var(--r4) var(--r4) 0 0;
}
.pcard-p::before { background: linear-gradient(90deg, var(--gold), var(--gold-lt)); }
.pcard-i::before { background: linear-gradient(90deg, #1A7A4A, #27AE60); }
.pcard:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.2); transform: translateY(-3px); }
.pcard-icon { width: 44px; height: 44px; border-radius: 11px;
              display: flex; align-items: center; justify-content: center;
              font-size: 20px; margin-bottom: 12px; }
.pcard-p .pcard-icon { background: rgba(200,151,58,.18); }
.pcard-i .pcard-icon { background: rgba(26,122,74,.2); }
.pcard-title { font-family: var(--font-h); font-size: 19px; font-weight: 700;
               color: #fff; margin-bottom: 5px; }
.pcard-desc  { font-size: 13px; color: rgba(255,255,255,.52); line-height: 1.55; margin-bottom: 12px; }
.pcard-url   { font-size: 12px; font-weight: 700; display: inline-flex; align-items: center; gap: 5px; }
.pcard-p .pcard-url { color: var(--gold); }
.pcard-i .pcard-url { color: #2ecc71; }
.pcard-arr { position: absolute; right: 22px; top: 50%; transform: translateY(-50%);
             font-size: 24px; color: rgba(255,255,255,.2); transition: var(--tr); }
.pcard:hover .pcard-arr { color: rgba(255,255,255,.7); transform: translateY(-50%) translateX(4px); }

/* ═══════════════════════════════════════════════════
   TRUST BAR
═══════════════════════════════════════════════════ */
.trust-strip {
  background: var(--cream);
  border-bottom: 3px solid var(--gold);
  border-top: 1px solid var(--border);
  padding: 16px 24px;
}
.trust-strip-inner {
  max-width: 1180px; margin: 0 auto;
  display: flex; flex-wrap: wrap; gap: 14px;
  justify-content: space-between; align-items: center;
}
.tc { display: flex; align-items: center; gap: 9px; font-size: 13px;
      font-weight: 500; color: var(--text); }
.tc-i { width: 30px; height: 30px; background: var(--navy); border-radius: 7px;
        display: flex; align-items: center; justify-content: center;
        font-size: 13px; flex-shrink: 0; }

/* ═══════════════════════════════════════════════════
   CARDS
═══════════════════════════════════════════════════ */
/* Generic */
.card {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r3); padding: 28px; transition: var(--tr);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--sh2); }
.card-cream { background: var(--cream); }
/* Product card */
.prod-card {
  background: var(--cream); border: 1px solid var(--border);
  border-radius: var(--r3); padding: 28px;
  display: flex; flex-direction: column;
  text-decoration: none; transition: var(--tr);
  position: relative; overflow: hidden;
}
.prod-card::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-lt));
  transform: scaleX(0); transform-origin: left; transition: transform .3s;
}
.prod-card:hover { transform: translateY(-5px); box-shadow: var(--sh2); }
.prod-card:hover::after { transform: scaleX(1); }
.prod-card .ci { font-size: 38px; margin-bottom: 16px; display: block; }
.prod-card h3 { font-size: 20px; color: var(--navy); margin-bottom: 9px; }
.prod-card p  { font-size: 13.5px; color: var(--gray); line-height: 1.65; flex: 1; margin-bottom: 18px; }
.prod-card .arrow { font-size: 13px; font-weight: 700; color: var(--gold);
                    display: inline-flex; align-items: center; gap: 4px; margin-top: auto; }
/* Feature chip on product pages */
.chip-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin-top: 32px; }
.chip {
  background: var(--cream); border: 1px solid var(--border);
  border-radius: var(--r3); padding: 22px; text-align: center;
  transition: var(--tr); display: flex; flex-direction: column; align-items: center;
}
.chip:hover { border-color: var(--gold); transform: translateY(-3px); box-shadow: var(--sh1); }
.chip .chip-ico { font-size: 36px; margin-bottom: 12px; display: block; }
.chip h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.chip p  { font-size: 13px; color: var(--gray); line-height: 1.6; margin: 0; }
/* Why-us box */
.why-box {
  background: var(--cream); border: 1px solid var(--border);
  border-left: 4px solid var(--gold); border-radius: var(--r2);
  padding: 20px 22px;
}
.why-box h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.why-box p  { font-size: 13.5px; color: var(--gray); line-height: 1.6; margin: 0; }
/* Step */
.steps-row { display: grid; grid-template-columns: repeat(4,1fr);
             gap: 0; position: relative; margin-top: 52px; }
.steps-row::before {
  content: ''; position: absolute; top: 29px; left: 12.5%; right: 12.5%;
  height: 2px; background: linear-gradient(90deg, var(--gold), var(--gold-lt));
}
.step { text-align: center; padding: 0 14px; position: relative; z-index: 1; }
.step-circle {
  width: 58px; height: 58px; background: var(--navy);
  border: 3px solid var(--gold); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-h); font-size: 21px; font-weight: 700;
  color: var(--gold); margin: 0 auto 16px; transition: var(--tr);
}
.step:hover .step-circle { background: var(--gold); color: var(--navy); }
.step h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.step p  { font-size: 13px; color: var(--gray); line-height: 1.6; }

/* ═══════════════════════════════════════════════════
   ABOUT PAGE
═══════════════════════════════════════════════════ */
.tab-bar { display: flex; gap: 8px; margin-bottom: 28px; flex-wrap: wrap; }
.tab-btn {
  padding: 9px 22px; border-radius: 50px; font-size: 13.5px; font-weight: 600;
  border: 1.5px solid var(--border); background: #fff; color: var(--gray);
  cursor: pointer; transition: var(--tr);
}
.tab-btn.active, .tab-btn:hover { background: var(--navy); border-color: var(--navy); color: #fff; }
.tab-panel { display: none; font-size: 15px; color: var(--text);
             line-height: 1.78; }
.tab-panel.active { display: block; }
.team-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.team-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--r3);
  padding: 32px 24px; text-align: center; transition: var(--tr);
}
.team-card:hover { transform: translateY(-4px); box-shadow: var(--sh2); }
.team-av {
  width: 80px; height: 80px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  margin: 0 auto 16px; display: flex; align-items: center;
  justify-content: center; font-family: var(--font-h);
  font-size: 30px; font-weight: 700; color: var(--gold);
}
.team-name { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.team-role { font-size: 12px; font-weight: 700; text-transform: uppercase;
             letter-spacing: 1px; color: var(--gold); margin-bottom: 10px; display: block; }
.team-bio  { font-size: 13.5px; color: var(--gray); line-height: 1.65; }
.cert-row { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 24px; }
.cert-chip {
  display: flex; align-items: center; gap: 8px;
  background: var(--cream); border: 1px solid var(--border);
  border-radius: 50px; padding: 8px 18px; font-size: 13px; font-weight: 600;
  color: var(--navy);
}

/* ═══════════════════════════════════════════════════
   PRODUCT PAGES
═══════════════════════════════════════════════════ */
.product-hero-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: var(--r4); padding: 44px 52px;
  display: grid; grid-template-columns: 1fr auto;
  gap: 40px; align-items: center; margin-bottom: 48px;
}
.product-hero-band h2 { font-size: clamp(24px,3.5vw,38px); color: #fff; margin-bottom: 12px; }
.product-hero-band p  { font-size: 16px; color: rgba(255,255,255,.7); line-height: 1.75; margin: 0; }
.product-big-icon { font-size: 90px; opacity: .85; }
.feature-rows { display: flex; flex-direction: column; gap: 14px; }
.feat-row {
  display: flex; align-items: flex-start; gap: 16px;
  background: var(--cream); border: 1px solid var(--border);
  border-radius: var(--r2); padding: 18px 20px;
}
.feat-ico { font-size: 24px; flex-shrink: 0; margin-top: 1px; }
.feat-row h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 5px; }
.feat-row p  { font-size: 13.5px; color: var(--gray); line-height: 1.6; margin: 0; }
.product-sidebar { display: flex; flex-direction: column; gap: 16px; }
.ps-nav {
  background: var(--navy); border-radius: var(--r3); padding: 24px; position: sticky; top: 86px;
}
.ps-nav h4 { font-size: 14px; font-weight: 700; text-transform: uppercase;
             letter-spacing: 1.2px; color: var(--gold); margin-bottom: 14px; }
.ps-nav a {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 14px; border-radius: var(--r2);
  color: rgba(255,255,255,.72); font-size: 13.5px;
  font-weight: 500; text-decoration: none; transition: var(--tr);
  border: 1px solid transparent;
}
.ps-nav a:hover, .ps-nav a.active {
  background: rgba(255,255,255,.08);
  border-color: rgba(200,151,58,.3); color: #fff;
}
.ps-cta-box {
  background: linear-gradient(135deg, rgba(200,151,58,.12), rgba(200,151,58,.05));
  border: 1.5px solid rgba(200,151,58,.35); border-radius: var(--r3);
  padding: 28px; text-align: center;
}
.ps-cta-box h4 { font-size: 18px; color: var(--navy); margin-bottom: 8px; }
.ps-cta-box p  { font-size: 13.5px; color: var(--gray); margin-bottom: 18px; line-height: 1.6; }

/* ═══════════════════════════════════════════════════
   TOOLS / CALCULATOR
═══════════════════════════════════════════════════ */
.calc-wrapper {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r4); padding: 40px; box-shadow: var(--sh1);
}
.calc-tabs { display: flex; gap: 4px; background: var(--light);
             border-radius: 10px; padding: 4px; margin-bottom: 28px; }
.ctab { flex: 1; text-align: center; padding: 9px; border-radius: 8px;
        font-size: 13.5px; font-weight: 600; cursor: pointer;
        color: var(--gray); transition: var(--tr);
        border: none; background: transparent; }
.ctab.on { background: #fff; color: var(--navy); box-shadow: var(--sh1); }
.calc-field { margin-bottom: 24px; }
.calc-field label {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 13.5px; font-weight: 600; color: var(--text); margin-bottom: 10px;
}
.calc-field label span { color: var(--gold); font-weight: 700; font-size: 14px; }
input[type="range"] {
  width: 100%; -webkit-appearance: none; appearance: none;
  height: 6px; border-radius: 3px; outline: none;
  background: linear-gradient(to right, var(--gold) var(--v,40%),
              var(--border) var(--v,40%));
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px;
  border-radius: 50%; background: var(--navy);
  border: 3px solid var(--gold); cursor: pointer;
  box-shadow: 0 2px 8px rgba(13,43,28,.3);
}
.calc-result {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: var(--r3); padding: 28px; color: #fff; margin-top: 24px;
}
.calc-result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.cr-item label { font-size: 11px; color: rgba(255,255,255,.55);
                 letter-spacing: 1px; text-transform: uppercase; display: block; margin-bottom: 4px; }
.cr-item .val { font-family: var(--font-h); font-size: 26px; font-weight: 700;
                color: var(--gold-lt); line-height: 1; }
.cr-total { grid-column: 1/-1; background: rgba(255,255,255,.08);
            border-radius: var(--r2); padding: 16px; text-align: center; }
.cr-total label { font-size: 12px; color: rgba(255,255,255,.6);
                  letter-spacing: 1px; text-transform: uppercase; display: block; margin-bottom: 5px; }
.cr-total .val { font-family: var(--font-h); font-size: 38px; font-weight: 800; color: var(--gold-lt); }
.tools-sidebar { display: flex; flex-direction: column; gap: 20px; }
.tool-link-card {
  display: block; background: var(--cream); border: 1px solid var(--border);
  border-radius: var(--r3); padding: 22px; text-decoration: none; transition: var(--tr);
}
.tool-link-card:hover { border-color: var(--gold); transform: translateY(-3px); box-shadow: var(--sh2); }
.tool-link-card .ti { font-size: 32px; margin-bottom: 11px; display: block; }
.tool-link-card h4 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.tool-link-card p  { font-size: 13px; color: var(--gray); line-height: 1.6; margin-bottom: 12px; }
.tool-link-card span { font-size: 13px; font-weight: 700; color: var(--gold); }

/* ═══════════════════════════════════════════════════
   RESOURCES
═══════════════════════════════════════════════════ */
.res-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.res-card {
  background: var(--cream); border: 1px solid var(--border);
  border-radius: var(--r3); padding: 28px;
  display: flex; flex-direction: column; text-decoration: none; transition: var(--tr);
}
.res-card:hover { transform: translateY(-4px); box-shadow: var(--sh2); border-color: var(--gold); }
.res-card .ri { font-size: 38px; margin-bottom: 14px; display: block; }
.res-card h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.res-card p  { font-size: 13.5px; color: var(--gray); line-height: 1.65; flex: 1; margin-bottom: 16px; }
.res-card .rl { font-size: 13px; font-weight: 700; color: var(--gold);
               display: inline-flex; align-items: center; gap: 4px; margin-top: auto; }
.important-links-list { display: flex; flex-direction: column; gap: 10px; }
.il-item {
  display: flex; align-items: center; gap: 14px;
  background: var(--cream); border: 1px solid var(--border);
  border-radius: var(--r2); padding: 16px 20px; text-decoration: none; transition: var(--tr);
}
.il-item:hover { border-color: var(--gold); background: #fff; }
.il-ico { width: 40px; height: 40px; background: var(--navy); border-radius: 9px;
          display: flex; align-items: center; justify-content: center;
          font-size: 17px; flex-shrink: 0; }
.il-item h4 { font-size: 14.5px; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.il-item p  { font-size: 12.5px; color: var(--gray); margin: 0; }
.il-arr { margin-left: auto; color: var(--gold); font-size: 18px; flex-shrink: 0; }

/* ═══════════════════════════════════════════════════
   BLOG
═══════════════════════════════════════════════════ */
.posts-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.post-card {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r3); overflow: hidden;
  text-decoration: none; transition: var(--tr); display: flex; flex-direction: column;
}
.post-card:hover { transform: translateY(-4px); box-shadow: var(--sh2); }
.post-thumb { height: 185px; background: linear-gradient(135deg, var(--navy), var(--blue));
              display: flex; align-items: center; justify-content: center;
              font-size: 52px; overflow: hidden; }
.post-thumb img { width: 100%; height: 100%; object-fit: cover; }
.post-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.post-cat  { font-size: 11px; font-weight: 700; letter-spacing: 1.5px;
             text-transform: uppercase; color: var(--gold); margin-bottom: 8px; display: block; }
.post-title { font-size: 17px; font-weight: 700; color: var(--navy);
              line-height: 1.4; margin-bottom: 10px; flex: 1; }
.post-date  { font-size: 12px; color: var(--gray); margin-bottom: 14px; }
.post-more  { font-size: 13px; font-weight: 700; color: var(--gold);
              display: inline-flex; align-items: center; gap: 4px; margin-top: auto; }

/* ═══════════════════════════════════════════════════
   PARTNER PAGES
═══════════════════════════════════════════════════ */
/* Overview */
.partner-benefits-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.pb-card {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--cream); border: 1px solid var(--border);
  border-radius: var(--r3); padding: 22px; transition: var(--tr);
}
.pb-card:hover { border-color: var(--gold); }
.pb-num {
  width: 42px; height: 42px; background: var(--navy); border-radius: 11px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-h); font-size: 17px; font-weight: 700;
  color: var(--gold); flex-shrink: 0;
}
.pb-card h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 5px; }
.pb-card p  { font-size: 13.5px; color: var(--gray); line-height: 1.6; margin: 0; }
/* Timeline */
.timeline { position: relative; padding-left: 40px; }
.timeline::before { content: ''; position: absolute; left: 15px; top: 0; bottom: 0;
                    width: 2px; background: linear-gradient(180deg, var(--gold), rgba(200,151,58,.1)); }
.tl-item { position: relative; padding-bottom: 36px; }
.tl-item:last-child { padding-bottom: 0; }
.tl-dot {
  position: absolute; left: -33px; top: 2px;
  width: 36px; height: 36px; background: var(--gold); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; border: 3px solid var(--navy); z-index: 2;
}
.tl-phase { font-size: 10.5px; font-weight: 700; letter-spacing: 1.5px;
            text-transform: uppercase; color: var(--gold); margin-bottom: 4px; display: block; }
.tl-item h3 { font-size: 19px; color: #fff; margin-bottom: 7px; }
.tl-item p  { font-size: 14px; color: rgba(255,255,255,.6); line-height: 1.65; margin-bottom: 10px; }
.tl-tags { display: flex; flex-wrap: wrap; gap: 7px; }
.tl-tag {
  background: rgba(200,151,58,.14); border: 1px solid rgba(200,151,58,.28);
  color: var(--gold); padding: 3px 11px; border-radius: 50px;
  font-size: 11.5px; font-weight: 600;
}

/* ═══════════════════════════════════════════════════
   EMPANELMENT FORM
═══════════════════════════════════════════════════ */
.empanel-layout { display: grid; grid-template-columns: 1fr 1.75fr; gap: 60px; align-items: start; }
.empanel-info { position: sticky; top: 86px; }
.empanel-info h2 { font-size: clamp(24px,3.5vw,36px); margin-bottom: 14px; }
.empanel-info p { font-size: 15px; color: var(--gray); line-height: 1.75; margin-bottom: 24px; }
.doc-list { display: flex; flex-direction: column; gap: 10px; }
.doc-item {
  display: flex; align-items: flex-start; gap: 12px;
  background: var(--cream); border: 1px solid var(--border);
  border-radius: var(--r2); padding: 13px 16px;
}
.doc-ico { font-size: 18px; flex-shrink: 0; margin-top: 1px; }
.doc-text { font-size: 14px; color: var(--text); line-height: 1.55; }
.empanel-form {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r4); padding: 44px;
}
.fs-title {
  font-size: 15px; font-weight: 700; color: var(--navy);
  margin: 28px 0 16px; padding-bottom: 9px;
  border-bottom: 2px solid var(--border);
  display: flex; align-items: center; gap: 8px;
}
.fs-title:first-child { margin-top: 0; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.fg { grid-column: 1/-1; }
.fgrp { display: flex; flex-direction: column; gap: 6px; }
.fgrp label { font-size: 13px; font-weight: 600; color: var(--text); }
.fgrp label .req { color: #e74c3c; }
.fgrp input, .fgrp select, .fgrp textarea {
  padding: 12px 16px; border: 1.5px solid #D8CEBC; border-radius: var(--r1);
  font-size: 14px; color: var(--text); background: #fff;
  transition: border-color .2s; outline: none; width: 100%;
}
.fgrp input:focus, .fgrp select:focus, .fgrp textarea:focus { border-color: var(--navy); }
.fgrp textarea { resize: vertical; min-height: 100px; }
.form-submit { margin-top: 24px; }
.form-note { font-size: 12px; color: var(--gray); margin-top: 11px; line-height: 1.6; }
#form-msg { margin-top: 14px; padding: 13px 18px; border-radius: var(--r2);
            font-size: 14px; display: none; }
#form-msg.ok  { background: #d4edda; color: #155724; border: 1px solid #b8dfc6; }
#form-msg.err { background: #f8d7da; color: #721c24; border: 1px solid #f1b0b7; }

/* ═══════════════════════════════════════════════════
   CONTACT PAGE
═══════════════════════════════════════════════════ */
.contact-layout { display: grid; grid-template-columns: 1fr 1.6fr; gap: 60px; align-items: start; }
.contact-info-panel {
  background: var(--navy); border-radius: var(--r4); padding: 40px; color: #fff;
}
.contact-info-panel h3 { font-size: 22px; color: #fff; margin-bottom: 26px; }
.ci-row { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 22px; }
.ci-ico { width: 44px; height: 44px; background: rgba(200,151,58,.18);
          border-radius: 11px; display: flex; align-items: center;
          justify-content: center; font-size: 18px; flex-shrink: 0; }
.ci-lbl { font-size: 11px; font-weight: 700; text-transform: uppercase;
          letter-spacing: 1px; color: var(--gold); margin-bottom: 4px; display: block; }
.ci-val { font-size: 14.5px; color: rgba(255,255,255,.82); }
.ci-val a { color: rgba(255,255,255,.82); }
.ci-val a:hover { color: var(--gold); }
.contact-form-panel {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--r4); padding: 42px;
}
.contact-form-panel h3 { font-size: 22px; margin-bottom: 6px; }
.contact-form-panel > p { font-size: 14px; color: var(--gray); margin-bottom: 28px; }

/* ═══════════════════════════════════════════════════
   FAQ
═══════════════════════════════════════════════════ */
.faq-stack { display: flex; flex-direction: column; gap: 10px; }
.faq-item { background: #fff; border: 1px solid var(--border); border-radius: var(--r3); overflow: hidden; }
.faq-q {
  padding: 18px 22px; font-size: 15px; font-weight: 600; color: var(--navy);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  transition: background .2s; user-select: none;
}
.faq-q:hover { background: var(--cream); }
.faq-a { padding: 0 22px 18px; font-size: 14px; color: var(--gray); line-height: 1.72; display: none; }
.faq-item.open .faq-a { display: block; }
.faq-ico { font-size: 11px; color: var(--gold); transition: transform .25s; }
.faq-item.open .faq-ico { transform: rotate(180deg); }

/* ═══════════════════════════════════════════════════
   DISCLAIMER BANNER
═══════════════════════════════════════════════════ */
.disc-bar {
  background: #fffaf3; border: 1.5px solid rgba(200,151,58,.28);
  border-radius: var(--r2); padding: 14px 20px;
  font-size: 12.5px; color: var(--gray); line-height: 1.72;
}
.disc-bar strong { color: var(--navy); }

/* ═══════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════ */
#site-footer {
  background: var(--navy); color: rgba(255,255,255,.65);
  padding: 64px 0 0; border-top: 3px solid var(--gold);
}
.footer-grid { display: grid; grid-template-columns: 1.9fr 1fr 1fr 1.5fr; gap: 44px; margin-bottom: 44px; }
.footer-about p { font-size: 13.5px; line-height: 1.72; margin: 14px 0 20px; }
.footer-portals { display: flex; flex-direction: column; gap: 9px; }
.fp-link {
  display: flex; align-items: center; gap: 10px;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1);
  border-radius: 9px; padding: 10px 13px; text-decoration: none; transition: var(--tr);
}
.fp-link:hover { background: rgba(255,255,255,.12); }
.fp-ico { width: 28px; height: 28px; border-radius: 6px;
          display: flex; align-items: center; justify-content: center; font-size: 13px; flex-shrink: 0; }
.fp-p .fp-ico { background: rgba(200,151,58,.22); }
.fp-i .fp-ico { background: rgba(26,122,74,.22); }
.fp-lbl { font-size: 10.5px; color: rgba(255,255,255,.44); display: block; }
.fp-url { font-size: 12.5px; font-weight: 600; color: #fff; display: block; }
.footer-col h4 { font-family: var(--font-h); font-size: 16px; font-weight: 700; color: #fff; margin-bottom: 14px; }
.footer-links { display: flex; flex-direction: column; gap: 9px; }
.footer-links a { font-size: 13.5px; color: rgba(255,255,255,.6); transition: color .2s; }
.footer-links a:hover { color: var(--gold); }
.footer-contact-list { display: flex; flex-direction: column; gap: 11px; }
.fct { display: flex; gap: 9px; font-size: 13.5px; align-items: flex-start; }
.fct a { color: rgba(255,255,255,.65); }
.fct a:hover { color: var(--gold); }
.f-social { display: flex; gap: 9px; margin-top: 14px; }
.f-social a {
  width: 34px; height: 34px; background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.1); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; transition: var(--tr); text-decoration: none;
}
.f-social a:hover { background: var(--gold); border-color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.09);
  padding: 20px 0; display: flex; align-items: center;
  justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: 12px;
}
.footer-disc {
  font-size: 11px; color: rgba(255,255,255,.3); line-height: 1.7;
  padding: 15px 0 22px; border-top: 1px solid rgba(255,255,255,.06);
}

/* ═══════════════════════════════════════════════════
   SIDEBAR
═══════════════════════════════════════════════════ */
.with-sidebar { display: grid; grid-template-columns: 1fr 300px; gap: 48px; }
.sidebar-widget { background: #fff; border: 1px solid var(--border); border-radius: var(--r3); padding: 24px; margin-bottom: 22px; }
.widget-title { font-size: 17px; font-weight: 700; color: var(--navy);
                margin-bottom: 14px; padding-bottom: 10px; border-bottom: 2px solid var(--gold); }
.pagination { display: flex; gap: 8px; justify-content: center; margin: 44px 0; }
.pagination a, .pagination span {
  display: flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border: 1.5px solid var(--border);
  border-radius: 8px; font-size: 14px; font-weight: 600; color: var(--navy); transition: var(--tr);
}
.pagination a:hover, .pagination .current { background: var(--navy); border-color: var(--navy); color: #fff; }

/* ═══════════════════════════════════════════════════
   ENTRY CONTENT (blog / pages)
═══════════════════════════════════════════════════ */
.entry-content { font-size: 16px; line-height: 1.82; }
.entry-content h2 { font-size: 26px; margin: 34px 0 12px; }
.entry-content h3 { font-size: 21px; margin: 26px 0 10px; }
.entry-content p  { margin-bottom: 18px; }
.entry-content ul, .entry-content ol { padding-left: 24px; margin-bottom: 18px; }
.entry-content ul li { list-style: disc; margin-bottom: 8px; }
.entry-content ol li { list-style: decimal; margin-bottom: 8px; }
.entry-content blockquote {
  border-left: 4px solid var(--gold); padding: 13px 24px;
  margin: 24px 0; background: var(--cream);
  border-radius: 0 var(--r2) var(--r2) 0;
  font-style: italic; color: var(--navy);
}
.entry-content a { color: var(--gold); text-decoration: underline; }
.entry-content img { border-radius: var(--r2); margin: 22px 0; }
.entry-content table { width: 100%; border-collapse: collapse; margin-bottom: 22px; }
.entry-content table th { background: var(--navy); color: #fff; padding: 10px 14px; font-size: 13.5px; text-align: left; }
.entry-content table td { padding: 10px 14px; border-bottom: 1px solid var(--border); font-size: 14px; }
.entry-content table tr:nth-child(even) td { background: var(--cream); }

/* ═══════════════════════════════════════════════════
   WP ALIGN CLASSES
═══════════════════════════════════════════════════ */
.alignleft  { float: left;  margin: 0 22px 16px 0; }
.alignright { float: right; margin: 0 0 16px 22px; }
.aligncenter { display: block; margin: 0 auto 16px; }
.wp-caption-text { font-size: 12px; color: var(--gray); text-align: center; margin-top: 4px; }
.screen-reader-text { position: absolute; clip: rect(1px,1px,1px,1px); height: 1px; width: 1px; overflow: hidden; }

/* ═══════════════════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════════════════ */
@media (max-width: 1060px) {
  .grid4 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .product-hero-band { grid-template-columns: 1fr; }
  .product-big-icon { display: none; }
  .empanel-layout { grid-template-columns: 1fr; }
  .empanel-info { position: static; }
}
@media (max-width: 860px) {
  #main-nav { display: none; }
  #main-nav.open {
    display: flex; position: fixed; top: 70px; left: 0; right: 0; bottom: 0;
    background: var(--navy); flex-direction: column; padding: 28px 20px;
    overflow-y: auto; z-index: 9998;
  }
  #main-nav.open ul { flex-direction: column; width: 100%; }
  #main-nav.open ul li > a { font-size: 16px; padding: 12px 14px; }
  #main-nav.open ul li ul {
    display: flex !important; flex-direction: column; position: static;
    border: none; border-left: 3px solid var(--gold); border-radius: 0;
    margin-left: 14px; padding: 4px 0; box-shadow: none; min-width: auto;
  }
  .hamburger { display: flex; }
  .nav-partner { display: none; }
  .hero-inner, .grid2, .grid2-w, .grid2-r { grid-template-columns: 1fr; gap: 40px; }
  .grid3, .posts-grid, .res-grid, .chip-grid, .team-grid { grid-template-columns: 1fr 1fr; }
  .steps-row { grid-template-columns: 1fr 1fr; }
  .steps-row::before { display: none; }
  .contact-layout { grid-template-columns: 1fr; }
  .with-sidebar { grid-template-columns: 1fr; }
  .partner-benefits-grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .grid3, .posts-grid, .res-grid, .chip-grid, .team-grid,
  .grid4, .partner-benefits-grid { grid-template-columns: 1fr; }
  .steps-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .fg { grid-column: 1; }
  .hero-btns { flex-direction: column; }
  .trust-strip-inner { justify-content: center; }
}