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

:root {
  --navy: #0d1b3e;
  --navy-light: #162550;
  --gold: #b89860;
  --gold-light: #d4b483;
  --white: #ffffff;
  --off-white: #f8f7f4;
  --gray: #6b7280;
  --gray-light: #e5e7eb;
  --text: #1f2937;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}

h1, h2, h3 { font-family: 'Playfair Display', serif; line-height: 1.2; }

a { text-decoration: none; color: inherit; }

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

.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 4px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.2s;
  border: none;
  font-family: 'Inter', sans-serif;
}
.btn-primary { background: var(--gold); color: var(--white); }
.btn-primary:hover { background: var(--gold-light); }
.btn-outline { background: transparent; color: var(--white); border: 2px solid var(--gold); }
.btn-outline:hover { background: var(--gold); }

.section-label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-title {
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  color: var(--navy);
  margin-bottom: 16px;
}

.section-sub {
  font-size: 1.05rem;
  color: var(--gray);
  max-width: 560px;
}

/* ---- NAVBAR ---- */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(13, 27, 62, 0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(184, 152, 96, 0.2);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 14px;
}

.nav-logo-text { display: flex; flex-direction: column; line-height: 1.2; justify-content: center; }

.nav-logo-text .logo-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.04em;
}

.nav-logo-text .logo-sub {
  font-size: 0.65rem;
  font-weight: 500;
  color: var(--gold-light);
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-top: 2px;
}

.nav-links {
  display: flex;
  list-style: none;
  gap: 32px;
  align-items: center;
}

.nav-links a {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--gold-light); }

.nav-cta { margin-left: 8px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  transition: all 0.3s;
}

/* ---- HERO ---- */
#hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1e3a6e 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 72px;
}

#hero::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(184,152,96,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 80px 0;
}

.hero-tagline {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.hero-title {
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  color: var(--white);
  margin-bottom: 20px;
}

.hero-title span { color: var(--gold-light); }

.hero-desc {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 36px;
  max-width: 480px;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 48px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold-light);
}

.stat-label { font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-top: 4px; }

.hero-image-wrap {
  display: flex;
  justify-content: center;
  align-items: flex-end;
  position: relative;
}

.hero-image-wrap::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 340px;
  height: 340px;
  border-radius: 50%;
  background: rgba(184, 152, 96, 0.1);
  border: 1px solid rgba(184, 152, 96, 0.25);
}

.hero-photo {
  position: relative;
  width: 360px;
  height: 440px;
  object-fit: cover;
  object-position: top;
  border-radius: 200px 200px 0 0;
  border: 3px solid rgba(184, 152, 96, 0.4);
  z-index: 1;
}

/* ---- ABOUT ---- */
#about {
  padding: 100px 0;
  background: var(--off-white);
}

.about-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-img-wrap { position: relative; }

.about-photo {
  width: 100%;
  max-width: 420px;
  border-radius: 8px;
  object-fit: cover;
  object-position: top;
  aspect-ratio: 3/4;
  box-shadow: 0 20px 60px rgba(13,27,62,0.15);
}

.about-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--navy);
  color: var(--white);
  padding: 24px;
  border-radius: 8px;
  text-align: center;
  box-shadow: 0 8px 30px rgba(0,0,0,0.2);
}

.badge-num {
  font-family: 'Playfair Display', serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
}
.badge-text { font-size: 0.8rem; color: rgba(255,255,255,0.7); }

.about-content p {
  font-size: 1rem;
  color: var(--gray);
  margin-bottom: 16px;
}

.about-accreditations {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.pill {
  padding: 6px 16px;
  border-radius: 20px;
  background: var(--white);
  border: 1px solid var(--gray-light);
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--navy);
}

/* ---- SERVICES ---- */
#services {
  padding: 100px 0;
  background: var(--white);
}

.section-header { margin-bottom: 56px; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.service-card {
  padding: 36px 28px;
  border: 1px solid var(--gray-light);
  border-radius: 8px;
  transition: all 0.25s;
  background: var(--white);
}

.service-card:hover {
  border-color: var(--gold);
  box-shadow: 0 8px 32px rgba(13,27,62,0.08);
  transform: translateY(-4px);
}

.service-icon {
  width: 52px;
  height: 52px;
  background: rgba(184, 152, 96, 0.1);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.5rem;
}

.service-card h3 {
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.service-card p { font-size: 0.9rem; color: var(--gray); }

/* ---- PROCESS ---- */
#process {
  padding: 100px 0;
  background: var(--navy);
}

#process .section-title { color: var(--white); }
#process .section-sub { color: rgba(255,255,255,0.65); }

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: 64px;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 28px;
  left: 12.5%;
  right: 12.5%;
  height: 2px;
  background: rgba(184, 152, 96, 0.3);
}

.step {
  text-align: center;
  padding: 0 16px;
  position: relative;
}

.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  font-weight: 700;
  margin: 0 auto 24px;
  position: relative;
  z-index: 1;
}

.step h3 {
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 10px;
}

.step p { font-size: 0.87rem; color: rgba(255,255,255,0.55); }

/* ---- CALCULATOR ---- */
#calculator {
  padding: 100px 0;
  background: var(--off-white);
}

.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
  margin-top: 48px;
}

.calc-form { background: var(--white); border-radius: 12px; padding: 40px; box-shadow: 0 4px 24px rgba(0,0,0,0.06); }

.form-group { margin-bottom: 24px; }
.form-group label { display: block; font-size: 0.88rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }

.form-group input[type="range"] { width: 100%; accent-color: var(--gold); cursor: pointer; }

.range-val {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 6px;
}
.range-val span { font-size: 0.82rem; color: var(--gray); }
.range-current { font-size: 1.05rem; font-weight: 600; color: var(--navy); }

.calc-result {
  background: var(--navy);
  border-radius: 12px;
  padding: 40px;
  color: var(--white);
}

.result-main {
  text-align: center;
  padding: 32px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 28px;
}

.result-label { font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-bottom: 8px; }

.result-amount {
  font-family: 'Playfair Display', serif;
  font-size: 3rem;
  font-weight: 700;
  color: var(--gold-light);
}

.result-period { font-size: 0.85rem; color: rgba(255,255,255,0.5); margin-top: 4px; }

.result-breakdown { display: flex; flex-direction: column; gap: 12px; }

.result-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.9rem;
}
.result-row span:first-child { color: rgba(255,255,255,0.6); }
.result-row span:last-child { font-weight: 600; }

.calc-disclaimer {
  margin-top: 20px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.5;
}

/* ---- TESTIMONIALS ---- */
#testimonials {
  padding: 100px 0;
  background: var(--white);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 56px;
}

.testimonial-card {
  padding: 36px 28px;
  border-radius: 8px;
  background: var(--off-white);
  border: 1px solid var(--gray-light);
  position: relative;
}

.quote-mark {
  font-family: 'Playfair Display', serif;
  font-size: 4rem;
  line-height: 1;
  color: var(--gold);
  opacity: 0.3;
  margin-bottom: 8px;
}

.testimonial-text {
  font-size: 0.95rem;
  color: var(--gray);
  margin-bottom: 24px;
  line-height: 1.7;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-light);
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}

.author-name { font-weight: 600; font-size: 0.9rem; color: var(--navy); }
.author-detail { font-size: 0.8rem; color: var(--gray); }

.stars { color: var(--gold); font-size: 0.9rem; margin-bottom: 4px; }

/* ---- REVIEW FORM ---- */
.review-form-wrap {
  margin-top: 64px;
  background: var(--off-white);
  border: 1px solid var(--gray-light);
  border-radius: 12px;
  padding: 44px 40px;
}

.review-form-wrap h3 {
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 6px;
}

.review-form-wrap > p {
  font-size: 0.9rem;
  color: var(--gray);
  margin-bottom: 32px;
}

.star-picker {
  display: flex;
  gap: 8px;
  margin-bottom: 8px;
}

.star-picker input[type="radio"] { display: none; }

.star-picker label {
  font-size: 2rem;
  color: var(--gray-light);
  cursor: pointer;
  transition: color 0.15s, transform 0.15s;
  line-height: 1;
}

.star-picker label:hover,
.star-picker label:hover ~ label,
.star-picker input[type="radio"]:checked ~ label { color: var(--gray-light); }

.star-picker label:hover,
.star-picker input[type="radio"]:checked + label { color: var(--gold); }

.star-picker:has(label:hover) label { color: var(--gray-light); }
.star-picker label:hover,
.star-picker label:hover ~ label { color: var(--gray-light) !important; }

.star-row { margin-bottom: 24px; }
.star-row-label { font-size: 0.88rem; font-weight: 600; color: var(--navy); margin-bottom: 10px; }

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

.review-success {
  display: none;
  background: #d1fae5;
  border: 1px solid #6ee7b7;
  border-radius: 8px;
  padding: 20px;
  text-align: center;
  color: #065f46;
  font-size: 0.95rem;
  margin-top: 16px;
}

.community-reviews { margin-top: 56px; }

.community-reviews-title {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.community-reviews-title::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--gray-light);
}

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

.reviews-loading {
  grid-column: 1 / -1;
  text-align: center;
  color: var(--gray);
  font-size: 0.9rem;
  padding: 32px 0;
}

.reviews-empty {
  grid-column: 1 / -1;
  text-align: center;
  color: var(--gray);
  font-size: 0.9rem;
  padding: 32px 0;
  display: none;
}

.reviews-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 32px;
}

.reviews-nav-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  background: var(--white);
  color: var(--gold);
  font-size: 1.1rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s;
  flex-shrink: 0;
}

.reviews-nav-btn:hover:not(:disabled) {
  background: var(--gold);
  color: var(--white);
}

.reviews-nav-btn:disabled {
  opacity: 0.25;
  cursor: default;
}

.reviews-nav-count {
  font-size: 0.85rem;
  color: var(--gray);
  min-width: 80px;
  text-align: center;
}

/* ---- FAQ ---- */
#faq {
  padding: 100px 0;
  background: var(--off-white);
}

.faq-list { margin-top: 56px; max-width: 760px; }

.faq-item {
  border-bottom: 1px solid var(--gray-light);
}

.faq-q {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 22px 0;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}

.faq-q:hover { color: var(--gold); }

.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: rgba(184,152,96,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform 0.25s;
  font-size: 1rem;
  color: var(--gold);
}

.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s;
  font-size: 0.95rem;
  color: var(--gray);
  line-height: 1.7;
}

.faq-item.open .faq-a {
  max-height: 300px;
  padding-bottom: 20px;
}

/* ---- CONTACT ---- */
#contact {
  padding: 100px 0;
  background: var(--navy);
}

#contact .section-title { color: var(--white); }
#contact .section-sub { color: rgba(255,255,255,0.65); }

.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 80px;
  margin-top: 56px;
  align-items: start;
}

.contact-info { color: var(--white); }

.contact-detail {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  margin-bottom: 32px;
}

.contact-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(184,152,96,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.2rem;
}

.contact-detail-label { font-size: 0.8rem; color: rgba(255,255,255,0.5); margin-bottom: 4px; }
.contact-detail-val { font-size: 0.95rem; font-weight: 500; }

.contact-form {
  background: var(--white);
  border-radius: 12px;
  padding: 40px;
}

.contact-form h3 {
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 28px;
}

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

.input-group { margin-bottom: 20px; }
.input-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }

.input-group input,
.input-group select,
.input-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--gray-light);
  border-radius: 6px;
  font-family: 'Inter', sans-serif;
  font-size: 0.9rem;
  color: var(--text);
  background: var(--white);
  transition: border-color 0.2s;
  outline: none;
}

.input-group input:focus,
.input-group select:focus,
.input-group textarea:focus { border-color: var(--gold); }

.input-group textarea { resize: vertical; min-height: 110px; }

.form-success {
  display: none;
  background: #d1fae5;
  border: 1px solid #6ee7b7;
  border-radius: 6px;
  padding: 16px;
  font-size: 0.9rem;
  color: #065f46;
  margin-top: 16px;
  text-align: center;
}

/* ---- FOOTER ---- */
footer {
  background: #080f22;
  padding: 48px 0 28px;
  color: rgba(255,255,255,0.5);
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 24px;
}

.footer-logo img { height: 40px; opacity: 0.85; }

.footer-links {
  display: flex;
  list-style: none;
  gap: 28px;
}

.footer-links a {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--gold-light); }

.footer-copy { font-size: 0.8rem; }

.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.08);
  margin: 32px 0 24px;
}

.footer-disclaimer {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.6;
  max-width: 700px;
  margin: 0 auto;
  text-align: center;
}

/* ---- SCROLL TOP ---- */
#scrollTop {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  border: none;
  cursor: pointer;
  font-size: 1.2rem;
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 99;
  box-shadow: 0 4px 16px rgba(0,0,0,0.2);
  transition: background 0.2s;
}
#scrollTop:hover { background: var(--gold-light); }
#scrollTop.visible { display: flex; }

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .nav-links { display: none; flex-direction: column; position: absolute; top: 72px; left: 0; right: 0; background: var(--navy); }
  .nav-links.open { display: flex; }
  .nav-toggle { display: flex; }

  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-image-wrap { order: -1; }
  .hero-photo { width: 260px; height: 320px; }
  .hero-image-wrap::before { width: 260px; height: 260px; }
  .hero-stats { justify-content: center; }
  .hero-actions { justify-content: center; }

  .about-inner { grid-template-columns: 1fr; }
  .about-badge { bottom: -16px; right: 16px; }
  .about-photo { max-width: 100%; }

  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .process-steps::before { display: none; }

  .calc-wrap { grid-template-columns: 1fr; }

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

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

@media (max-width: 560px) {
  .services-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}