*{box-sizing:border-box}
:root{
--blue:#1f2674;
--dark:#10144d;
--pink:#e62167;
--muted:#667085;
--soft:#f5f7fb;
--line:#e3e8f2;
--ink:#1d2330;
}
body{
margin:0;
font-family:'Inter',Arial,sans-serif;
color:var(--ink);
background:#fff;
line-height:1.6
}
.container{
width:min(1180px,calc(100% - 40px));
margin:auto
}
.header{
position:sticky;
top:0;
background:rgba(255,255,255,.94);
backdrop-filter:blur(16px);
border-bottom:1px solid var(--line);
z-index:10
}
.nav{
display:flex;
justify-content:space-between;
align-items:center;
min-height:86px;
gap:24px
}
.logo{height:54px}
nav{
display:flex;
gap:24px;
flex-wrap:wrap;
justify-content:center
}
nav a{
text-decoration:none;
font-weight:800;
font-size:15px;
color:var(--blue)
}
.nav-cta{
background:var(--pink);
color:white;
text-decoration:none;
font-weight:800;
padding:12px 18px;
border-radius:999px;
box-shadow:0 12px 28px rgba(230,33,103,.22)
}
.hero{
background:
radial-gradient(circle at 15% 25%,rgba(230,33,103,.34),transparent 25%),
radial-gradient(circle at 90% 30%,rgba(255,255,255,.16),transparent 22%),
linear-gradient(135deg,#11154f,#2f3693);
color:#fff;
padding:105px 0
}
.hero-grid{
display:grid;
grid-template-columns:1.15fr .85fr;
gap:44px;
align-items:center
}
.badge,.kicker,.mini{
display:inline-block;
font-weight:900;
letter-spacing:.05em;
text-transform:uppercase;
font-size:13px
}
.badge{
padding:8px 14px;
background:rgba(255,255,255,.12);
border:1px solid rgba(255,255,255,.18);
border-radius:999px;
margin-bottom:20px
}
.kicker{color:var(--pink)}
.hero h1{
font-size:clamp(42px,6vw,72px);
line-height:1.04;
letter-spacing:-2px;
margin:0 0 20px
}
.hero p{
font-size:20px;
opacity:.86;
max-width:720px
}
.hero-buttons{
display:flex;
gap:14px;
margin-top:30px;
flex-wrap:wrap
}
.btn{
padding:14px 22px;
border-radius:14px;
font-weight:900;
text-decoration:none
}
.primary{
background:var(--pink);
color:#fff
}
.secondary{
border:1px solid rgba(255,255,255,.32);
color:#fff;
background:rgba(255,255,255,.08)
}
.hero-card{
background:#fff;
color:#111;
padding:34px;
border-radius:28px;
box-shadow:0 28px 80px rgba(0,0,0,.25)
}
.hero-card h3{
font-size:30px;
line-height:1.15;
color:var(--blue);
margin:8px 0 12px
}
.hero-card p{color:var(--muted)}
.hero-card-list{
display:grid;
gap:12px;
margin-top:22px
}
.hero-card-list div{
display:flex;
justify-content:space-between;
gap:12px;
background:#f5f7fb;
padding:14px;
border-radius:16px
}
.hero-card-list strong{color:var(--blue)}
.hero-card-list span{color:var(--muted)}
.section{
padding:92px 0
}
.gray{
background:linear-gradient(180deg,#f7f9fd,#eef2f8)
}
.section-title{
margin-bottom:34px
}
.section-title.center{
text-align:center;
max-width:780px;
margin-left:auto;
margin-right:auto
}
h2{
font-size:clamp(34px,5vw,52px);
line-height:1.12;
letter-spacing:-1.4px;
color:var(--blue);
margin:10px 0 0
}
.about-box{
background:linear-gradient(135deg,#fff,#f8faff);
border:1px solid var(--line);
border-radius:28px;
padding:34px;
box-shadow:0 18px 50px rgba(31,38,116,.08);
font-size:18px;
color:#51596b
}
.value-grid{
display:grid;
grid-template-columns:repeat(3,1fr);
gap:22px;
margin-top:24px
}
.value-grid div{
background:#fff;
border:1px solid var(--line);
border-radius:22px;
padding:24px;
box-shadow:0 14px 35px rgba(31,38,116,.07)
}
.value-grid span{
color:var(--pink);
font-weight:900
}
.value-grid strong{
display:block;
font-size:20px;
color:var(--blue);
margin:8px 0
}
.value-grid p{color:var(--muted);margin:0}
.cards{
display:grid;
grid-template-columns:repeat(3,1fr);
gap:24px;
margin-top:40px
}
.card{
background:#fff;
padding:30px;
border-radius:28px;
border:1px solid var(--line);
box-shadow:0 22px 60px rgba(31,38,116,.10);
position:relative;
overflow:hidden
}
.card:before{
content:"";
position:absolute;
inset:0 0 auto 0;
height:6px;
background:var(--blue)
}
.pink-card:before{background:var(--pink)}
.blue-card:before{background:#2f3693}
.purple-card:before{background:#6b4eff}
.card-icon{
width:54px;
height:54px;
border-radius:18px;
display:grid;
place-items:center;
background:#f0f2ff;
color:var(--blue);
font-size:24px;
font-weight:900;
margin-bottom:18px
}
.card h3{
color:var(--blue);
font-size:25px;
margin:0 0 10px
}
.card-intro{
color:var(--muted);
margin-bottom:18px
}
.card ul{
padding-left:20px;
color:#4e5668;
margin-bottom:0
}
.card li{margin:8px 0}
.card b{color:var(--blue)}
.calculator{
display:grid;
grid-template-columns:1.05fr .95fr;
gap:28px;
background:#fff;
padding:30px;
border-radius:30px;
border:1px solid var(--line);
box-shadow:0 22px 60px rgba(31,38,116,.10)
}
.left{
display:grid;
gap:24px
}
.range-title{
display:flex;
justify-content:space-between;
align-items:center;
gap:14px;
font-weight:900;
color:var(--blue);
margin-bottom:10px
}
.range-title strong{
background:#f0f2ff;
padding:8px 12px;
border-radius:999px;
white-space:nowrap
}
input,select,textarea{
width:100%;
padding:14px;
border-radius:14px;
border:1px solid #dce1eb;
font-family:inherit;
outline:none
}
input[type=range]{
padding:0;
accent-color:var(--pink)
}
textarea{min-height:120px;resize:vertical}
.result{
background:linear-gradient(135deg,var(--dark),var(--blue));
color:#fff;
padding:34px;
border-radius:24px;
display:flex;
flex-direction:column;
justify-content:center;
align-items:flex-start
}
.result .mini{color:rgba(255,255,255,.66)}
.result h3{margin:10px 0;color:#fff}
#payment{
font-size:48px;
font-weight:900;
line-height:1
}
.result p{
color:rgba(255,255,255,.72)
}
.report-box{
display:grid;
grid-template-columns:repeat(3,1fr);
gap:18px
}
.report-box a{
background:#fff;
padding:22px;
border-radius:20px;
text-decoration:none;
font-weight:900;
color:var(--blue);
box-shadow:0 14px 35px rgba(31,38,116,.08)
}
.report-box span{
display:inline-block;
margin-right:8px;
background:#fff1f6;
color:var(--pink);
padding:5px 9px;
border-radius:999px;
font-size:12px
}
.contact-section{
background:radial-gradient(circle at 15% 25%,rgba(230,33,103,.12),transparent 22%),#fff
}
.contact-grid{
display:grid;
grid-template-columns:1fr 1fr;
gap:42px;
align-items:start
}
.info-box{
background:#f5f7fb;
padding:20px;
border-radius:18px;
margin-bottom:16px;
display:grid;
border:1px solid var(--line)
}
.info-box strong{color:var(--blue)}
.info-box span{color:var(--muted)}
.form{
display:grid;
gap:16px;
background:#fff;
border:1px solid var(--line);
border-radius:28px;
padding:28px;
box-shadow:0 20px 55px rgba(31,38,116,.10)
}
.form button{
background:var(--pink);
color:#fff;
border:none;
padding:16px;
border-radius:14px;
font-weight:900;
cursor:pointer;
font-family:inherit
}
.footer{
background:var(--dark);
color:#fff;
padding:30px 0;
text-align:center
}
@media(max-width:950px){
.nav{flex-wrap:wrap}
.hero-grid,.cards,.calculator,.contact-grid,.value-grid,.report-box{
grid-template-columns:1fr
}
.hero h1{font-size:42px}
nav{order:3;width:100%;justify-content:flex-start}
}
@media(max-width:560px){
.container{width:min(100% - 28px,1180px)}
.logo{height:42px}
.nav-cta{padding:10px 14px}
.hero{padding:70px 0}
.hero-card-list div{display:grid}
.section{padding:68px 0}
}


/* Mobile hamburger menu */
.menu-toggle{
display:none;
width:44px;
height:44px;
border:1px solid var(--line);
background:#fff;
border-radius:12px;
align-items:center;
justify-content:center;
flex-direction:column;
gap:5px;
cursor:pointer;
}
.menu-toggle span{
display:block;
width:22px;
height:2px;
background:var(--blue);
border-radius:99px;
transition:.25s ease;
}
.menu-toggle.active span:nth-child(1){
transform:translateY(7px) rotate(45deg);
}
.menu-toggle.active span:nth-child(2){
opacity:0;
}
.menu-toggle.active span:nth-child(3){
transform:translateY(-7px) rotate(-45deg);
}

@media(max-width:950px){
  .nav{
    display:grid;
    grid-template-columns:auto auto;
    align-items:center;
    min-height:76px;
  }

  .menu-toggle{
    display:flex;
    justify-self:end;
  }

  .nav-cta{
    display:none;
  }

  nav{
    order:3;
    grid-column:1 / -1;
    width:100%;
    display:none;
    flex-direction:column;
    gap:0;
    background:#fff;
    border:1px solid var(--line);
    border-radius:18px;
    overflow:hidden;
    box-shadow:0 18px 45px rgba(31,38,116,.12);
    margin:0 0 14px;
  }

  nav.open{
    display:flex;
  }

  nav a{
    padding:15px 18px;
    border-bottom:1px solid var(--line);
  }

  nav a:last-child{
    border-bottom:0;
  }
}

@media(min-width:951px){
  nav{
    display:flex !important;
  }
}

/* Hero product slider */
.product-slider{
margin-top:34px;
position:relative;
width:min(100%,520px);
min-height:188px;
}
.slide{
display:none;
grid-template-columns:150px 1fr;
gap:20px;
align-items:center;
background:rgba(255,255,255,.12);
border:1px solid rgba(255,255,255,.18);
border-radius:26px;
padding:18px;
box-shadow:0 20px 50px rgba(0,0,0,.16);
animation:fadeSlide .45s ease;
}
.slide.active{
display:grid;
}
.slide img{
width:150px;
height:120px;
object-fit:cover;
border-radius:20px;
background:#fff;
}
.slide strong{
display:block;
font-size:22px;
line-height:1.15;
color:#fff;
margin-bottom:8px;
}
.slide span{
display:block;
color:rgba(255,255,255,.76);
font-size:15px;
}
.slider-dots{
position:absolute;
left:18px;
bottom:-24px;
display:flex;
gap:8px;
}
.dot{
width:9px;
height:9px;
border-radius:999px;
border:0;
background:rgba(255,255,255,.34);
cursor:pointer;
padding:0;
}
.dot.active{
background:#fff;
width:24px;
}
@keyframes fadeSlide{
from{opacity:0;transform:translateY(8px)}
to{opacity:1;transform:translateY(0)}
}
@media(max-width:560px){
.product-slider{
min-height:auto;
margin-top:28px;
}
.slide{
grid-template-columns:1fr;
}
.slide img{
width:100%;
height:170px;
}
.slider-dots{
position:static;
margin-top:12px;
}
}


/* FULLSCREEN HERO SLIDER */
.hero{
position:relative;
min-height:100vh;
display:flex;
align-items:center;
overflow:hidden;
color:#fff;
padding:120px 0;
}

.hero-background-slider{
position:absolute;
inset:0;
z-index:1;
}

.hero-bg{
position:absolute;
inset:0;
background-size:cover;
background-position:center;
opacity:0;
transition:opacity 1s ease;
transform:scale(1.03);
}

.hero-bg.active{
opacity:1;
}

.hero-overlay{
position:absolute;
inset:0;
background:
linear-gradient(90deg, rgba(8,10,30,.86) 0%, rgba(8,10,30,.72) 40%, rgba(8,10,30,.34) 100%);
z-index:2;
}

.hero-grid{
position:relative;
z-index:3;
width:100%;
}

.hero-content{
max-width:760px;
}

.hero h1{
font-size:clamp(54px,7vw,92px);
line-height:1;
letter-spacing:-3px;
margin:0 0 26px;
text-shadow:0 10px 35px rgba(0,0,0,.45);
}

.hero p{
font-size:22px;
line-height:1.6;
color:rgba(255,255,255,.88);
max-width:650px;
margin:0;
}

.hero-buttons{
display:flex;
gap:16px;
margin-top:38px;
flex-wrap:wrap;
}

.hero-stats{
display:grid;
grid-template-columns:repeat(3,1fr);
gap:18px;
margin-top:52px;
max-width:820px;
}

.hero-stats div{
background:rgba(255,255,255,.12);
backdrop-filter:blur(12px);
border:1px solid rgba(255,255,255,.16);
padding:22px;
border-radius:24px;
box-shadow:0 18px 40px rgba(0,0,0,.18);
}

.hero-stats strong{
display:block;
font-size:28px;
font-weight:900;
margin-bottom:8px;
}

.hero-stats span{
color:rgba(255,255,255,.76);
}

.hero-slider-dots{
position:absolute;
bottom:34px;
left:50%;
transform:translateX(-50%);
display:flex;
gap:10px;
z-index:4;
}

.hero-dot{
width:12px;
height:12px;
border-radius:999px;
border:0;
background:rgba(255,255,255,.38);
cursor:pointer;
transition:.25s ease;
}

.hero-dot.active{
width:34px;
background:#fff;
}

@media(max-width:950px){
.hero{
min-height:760px;
padding:120px 0 90px;
}

.hero h1{
font-size:48px;
letter-spacing:-1.5px;
}

.hero p{
font-size:18px;
}

.hero-stats{
grid-template-columns:1fr;
max-width:100%;
}
}


/* Updated real-image hero slides */
.logo-link{
display:flex;
align-items:center;
text-decoration:none;
}

.hero-intro-bg{
background:
radial-gradient(circle at 18% 22%, rgba(230,33,103,.34), transparent 26%),
radial-gradient(circle at 78% 26%, rgba(255,255,255,.14), transparent 22%),
linear-gradient(135deg,#0f124c 0%,#1f2674 55%,#343a98 100%);
}

.hero-bg{
background-repeat:no-repeat;
}

.hero-text-slide{
display:none;
animation:heroTextFade .65s ease;
}

.hero-text-slide.active{
display:block;
}

.hero-text-slide.image-only{
min-height:420px;
}

@keyframes heroTextFade{
from{opacity:0;transform:translateY(12px)}
to{opacity:1;transform:translateY(0)}
}

@media(max-width:950px){
  .hero-bg{
    background-position:center;
  }
  .hero-text-slide.image-only{
    min-height:520px;
  }
}


/* v6: brighter product slides, aligned intro, better mobile framing */
body:not(.hero-intro-active) .hero-overlay{
  background: linear-gradient(90deg, rgba(8,10,30,.18) 0%, rgba(8,10,30,.08) 42%, rgba(8,10,30,.02) 100%);
}

body.hero-intro-active .hero-overlay{
  background:
    radial-gradient(circle at 28% 38%, rgba(230,33,103,.18), transparent 30%),
    linear-gradient(90deg, rgba(8,10,30,.72) 0%, rgba(8,10,30,.50) 48%, rgba(8,10,30,.20) 100%);
}

.hero-intro-bg{
  background:
    radial-gradient(circle at 70% 35%, rgba(230,33,103,.22), transparent 26%),
    radial-gradient(circle at 82% 18%, rgba(255,255,255,.12), transparent 22%),
    linear-gradient(135deg,#111427 0%,#171b55 48%,#2c317d 100%) !important;
}

.hero-content{
  padding-left: clamp(48px, 6vw, 92px);
}

.hero-text-slide.image-only{
  min-height: 560px;
}

@media(max-width:950px){
  .hero{
    min-height: 680px;
    padding: 96px 0 76px;
  }

  .hero-content{
    padding-left: 0;
  }

  body.hero-intro-active .hero-content{
    padding-top: 40px;
  }

  body:not(.hero-intro-active) .hero-overlay{
    background: linear-gradient(180deg, rgba(8,10,30,.08) 0%, rgba(8,10,30,.02) 55%, rgba(8,10,30,.18) 100%);
  }

  .hero-bg{
    background-size: cover;
    background-position: center center;
  }

  .hero-bg[style*="hero-lombard"]{
    background-position: 62% center;
  }

  .hero-bg[style*="hero-auto"]{
    background-position: 70% center;
  }

  .hero-bg[style*="hero-estate"]{
    background-position: 68% center;
  }

  .hero-text-slide.image-only{
    min-height: 560px;
  }
}

@media(max-width:560px){
  .hero{
    min-height: 640px;
  }

  .hero h1{
    font-size: 38px;
  }

  .hero-bg[style*="hero-lombard"]{
    background-position: 66% center;
  }

  .hero-bg[style*="hero-auto"]{
    background-position: 72% center;
  }

  .hero-bg[style*="hero-estate"]{
    background-position: 70% center;
  }
}


/* v7 final: real 3-slide hero images, desktop + mobile */
.logo-link{
  display:flex;
  align-items:center;
  text-decoration:none;
}

.hero{
  min-height:100vh;
  padding:0 !important;
}

.hero-background-slider{
  position:absolute;
  inset:0;
  z-index:1;
}

.hero-bg{
  position:absolute;
  inset:0;
  opacity:0;
  transition:opacity 1s ease;
  display:block;
  transform:none !important;
}

.hero-bg.active{
  opacity:1;
}

.hero-bg img{
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center;
  display:block;
}

.hero-overlay{
  background:transparent !important;
  pointer-events:none;
}

.hero-grid{
  min-height:100vh;
  pointer-events:none;
}

.hero-content.visual-only{
  min-height:100vh;
}

.hero-slider-dots{
  bottom:28px;
  z-index:5;
}

.hero-dot{
  background:rgba(255,255,255,.42);
}

.hero-dot.active{
  background:#fff;
}

@media(max-width:768px){
  .hero{
    min-height:100svh;
  }

  .hero-grid{
    min-height:100svh;
  }

  .hero-content.visual-only{
    min-height:100svh;
  }

  .hero-bg img{
    object-fit:cover;
    object-position:center;
  }

  .hero-slider-dots{
    bottom:18px;
  }
}


.value-section-title{
  margin:34px 0 18px;
  color:var(--blue);
  font-size:32px;
  line-height:1.2;
  letter-spacing:-.5px;
}

.card h3{
  margin-top:0;
}


/* v9: desktop hero images are 2:1 landscape, show full image without crop */
@media (min-width: 769px){
  .hero{
    min-height:auto !important;
    height:auto !important;
    aspect-ratio:2 / 1;
    padding:0 !important;
    background:#081126;
  }

  .hero-background-slider,
  .hero-bg,
  .hero-bg img{
    width:100%;
    height:100%;
  }

  .hero-bg img{
    object-fit:contain !important;
    object-position:center center !important;
    background:#081126;
  }

  .hero-grid{
    min-height:100% !important;
  }

  .hero-content.visual-only{
    min-height:100% !important;
  }
}


/* v10: single annual report link */
.report-box.single-report{
  max-width:720px;
  margin:0 auto;
  grid-template-columns:1fr;
}

.report-box.single-report a{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
  font-size:20px;
}