/* ──────────────────────────────────────────────────────────────
   Homepage-specific styles
   ────────────────────────────────────────────────────────────── */

/* HERO */
.hero { background: linear-gradient(135deg, var(--ink) 0%, var(--ink2) 100%); color: #fff; padding: 80px 0 100px; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; top: -200px; right: -200px; width: 600px; height: 600px; background: radial-gradient(circle, rgba(18,73,160,.4) 0%, transparent 70%); pointer-events: none; }
.hero::after { content: ''; position: absolute; bottom: -100px; left: -100px; width: 400px; height: 400px; background: radial-gradient(circle, rgba(200,146,26,.15) 0%, transparent 70%); pointer-events: none; }
.hero-inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: 60px; align-items: center; max-width: var(--container); margin: 0 auto; padding: 0 24px; position: relative; z-index: 1; }
.hero-eyebrow { display: flex; align-items: center; gap: 10px; margin-bottom: 20px; }
.hero h1 { font-size: clamp(36px, 5vw, 58px); font-weight: 900; line-height: 1.05; margin-bottom: 20px; color: #fff; }
.hero h1 span { color: var(--gold2); }
.hero p { font-size: 17px; color: rgba(255,255,255,.78); margin-bottom: 32px; line-height: 1.7; max-width: 540px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-stats { display: flex; gap: 32px; flex-wrap: wrap; }
.hero-stat .num { font-family: var(--ff-head); font-size: 28px; font-weight: 700; color: var(--gold2); }
.hero-stat .lbl { font-size: 12px; color: rgba(255,255,255,.6); }

.hero-visual { position: relative; z-index: 1; }
.market-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 16px; padding: 24px; backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); }
.market-card-title { font-size: 12px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; color: rgba(255,255,255,.5); margin-bottom: 6px; display: flex; align-items: center; gap: 8px; }
.market-as-of { font-size: 11px; color: rgba(255,255,255,.4); margin-bottom: 10px; font-family: var(--ff-mono); letter-spacing: .3px; }
.index-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.08); }
.index-row:last-child { border-bottom: none; }
.idx-name { font-size: 14px; font-weight: 600; color: #fff; }
.idx-val { font-size: 15px; font-weight: 700; font-family: var(--ff-mono); }
.idx-chg { font-size: 12px; font-weight: 600; padding: 2px 8px; border-radius: 4px; }
.idx-chg.up { background: rgba(22,163,74,.2); color: var(--green2); }
.idx-chg.dn { background: rgba(220,38,38,.2); color: var(--red2); }
.mini-chart { height: 40px; width: 100%; margin-top: 16px; opacity: .7; }

/* SERVICES */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.service-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; transition: all .25s; position: relative; overflow: hidden; }
.service-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--blue), var(--blue2)); }
.service-card:nth-child(2)::before { background: linear-gradient(90deg, var(--gold), var(--gold2)); }
.service-card:nth-child(3)::before { background: linear-gradient(90deg, var(--teal), var(--teal2)); }
.service-card:nth-child(4)::before { background: linear-gradient(90deg, var(--rose), #FF6B6B); }
.service-card:nth-child(5)::before { background: linear-gradient(90deg, #6D21A8, #9333EA); }
.service-card:nth-child(6)::before { background: linear-gradient(90deg, var(--green), var(--green2)); }
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.svc-icon { width: 52px; height: 52px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 24px; margin-bottom: 18px; }
.svc-icon.blue { background: rgba(18,73,160,.1); }
.svc-icon.gold { background: rgba(200,146,26,.1); }
.svc-icon.teal { background: rgba(13,123,110,.1); }
.svc-icon.rose { background: rgba(198,40,40,.1); }
.svc-icon.purple { background: rgba(109,33,168,.1); }
.svc-icon.green { background: rgba(22,163,74,.1); }
.service-card h3 { font-family: var(--ff-head); font-size: 20px; margin-bottom: 8px; color: var(--ink); }
.service-card p { font-size: 14px; color: var(--muted); margin-bottom: 16px; line-height: 1.65; }
.svc-tags { display: flex; flex-wrap: wrap; gap: 6px; }
.svc-tag { font-size: 11px; background: var(--bg); color: var(--muted); padding: 3px 9px; border-radius: 100px; border: 1px solid var(--border); }

/* MARKETS */
.markets { background: linear-gradient(180deg, var(--bg) 0%, var(--surface) 100%); }
.indices-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 40px; }
.index-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; transition: all .2s; }
.index-card:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.idx-card-name { font-size: 12px; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 6px; }
.idx-card-val { font-size: 22px; font-weight: 700; font-family: var(--ff-mono); color: var(--ink); margin-bottom: 4px; }
.idx-card-chg { display: flex; gap: 8px; font-size: 13px; font-weight: 600; }
.sparkline { margin-top: 12px; height: 36px; width: 100%; }
canvas { display: block; }

/* CALCULATORS (homepage tabs) */
.calc-tabs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 32px; margin-top: 40px; }
.calc-tab { padding: 8px 18px; border-radius: 8px; font-size: 13px; font-weight: 600; border: 2px solid var(--border); background: var(--surface); color: var(--muted); transition: all .2s; }
.calc-tab.active, .calc-tab:hover { border-color: var(--blue); background: var(--blue); color: #fff; }
.calc-panels { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 40px; box-shadow: var(--shadow); }
.calc-panel { display: none; }
.calc-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.calc-form label { display: block; font-size: 13px; font-weight: 600; color: var(--ink); margin-bottom: 6px; margin-top: 18px; }
.calc-form label:first-of-type { margin-top: 0; }
.calc-form input[type=range] { width: 100%; accent-color: var(--blue); height: 4px; }
.calc-form .range-val { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted); margin-top: 4px; }
.calc-form input[type=number] { width: 100%; padding: 10px 14px; border: 1px solid var(--border); border-radius: 8px; font-size: 14px; font-family: var(--ff-mono); outline: none; transition: border-color .2s; }
.calc-form input[type=number]:focus { border-color: var(--blue); }
.calc-result { background: linear-gradient(135deg, var(--ink), var(--ink2)); border-radius: 12px; padding: 32px; color: #fff; }
.calc-result h3 { font-family: var(--ff-head); font-size: 16px; color: rgba(255,255,255,.6); margin-bottom: 6px; }
.calc-result .big-num { font-family: var(--ff-head); font-size: 44px; font-weight: 700; color: var(--gold2); margin-bottom: 8px; word-break: break-word; }
.result-breakdown { margin-top: 24px; display: flex; flex-direction: column; gap: 10px; }
.res-row { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.08); font-size: 14px; }
.res-row:last-child { border-bottom: none; }
.res-label { color: rgba(255,255,255,.6); }
.res-val { font-family: var(--ff-mono); font-weight: 600; color: #fff; }
.calc-btn { margin-top: 24px; width: 100%; justify-content: center; }

/* PORTFOLIO ANALYZER */
.analyzer-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; margin-top: 48px; }
.analyzer-visual { position: relative; }
.donut-wrap { position: relative; width: 220px; height: 220px; margin: 0 auto 24px; }
.donut-wrap canvas { width: 100%; height: 100%; }
.donut-center { position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); text-align: center; pointer-events: none; }
.donut-center .val { font-family: var(--ff-head); font-size: 24px; font-weight: 700; color: var(--ink); }
.donut-center .lbl { font-size: 11px; color: var(--muted); font-weight: 600; }
.alloc-legend { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }
.leg-item { display: flex; align-items: center; gap: 8px; font-size: 13px; }
.leg-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.analyzer-form .inp-group { margin-bottom: 16px; }
.analyzer-form label { display: block; font-size: 12px; font-weight: 600; color: var(--muted); margin-bottom: 6px; text-transform: uppercase; letter-spacing: .5px; }
.analyzer-form input, .analyzer-form select { width: 100%; padding: 10px 14px; border: 1px solid var(--border); border-radius: 8px; font-size: 14px; font-family: var(--ff-body); outline: none; background: var(--surface); transition: border-color .2s; }
.analyzer-form input:focus, .analyzer-form select:focus { border-color: var(--blue); }
.analysis-result { background: var(--bg); border-radius: 12px; padding: 20px; margin-top: 20px; display: none; }
.analysis-result.show { display: block; }
.risk-meter { height: 8px; border-radius: 4px; background: linear-gradient(90deg, var(--green), var(--gold2), var(--red)); margin: 10px 0; position: relative; }
.risk-indicator { position: absolute; top: -4px; width: 16px; height: 16px; border-radius: 50%; background: var(--ink); border: 3px solid #fff; box-shadow: 0 0 0 2px var(--ink); transition: left .6s ease; }
.score-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }
.score-item { background: var(--surface); border-radius: 8px; padding: 12px; }
.score-item .s-label { font-size: 11px; color: var(--muted); font-weight: 600; }
.score-item .s-val { font-size: 18px; font-weight: 700; font-family: var(--ff-mono); color: var(--ink); }

/* INSURANCE */
.insurance { background: linear-gradient(135deg, #FFF8F0, #FFF); }
.ins-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 48px; }
.ins-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; display: flex; gap: 20px; transition: all .25s; }
.ins-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.ins-icon { width: 56px; height: 56px; border-radius: 12px; background: linear-gradient(135deg, var(--gold), var(--gold2)); display: flex; align-items: center; justify-content: center; font-size: 26px; flex-shrink: 0; }
.ins-body h3 { font-family: var(--ff-head); font-size: 18px; margin-bottom: 6px; }
.ins-body p { font-size: 13px; color: var(--muted); margin-bottom: 12px; line-height: 1.6; }
.ins-features { display: flex; flex-direction: column; gap: 4px; }
.ins-feat { font-size: 12px; color: var(--muted); display: flex; align-items: center; gap: 6px; }
.ins-feat::before { content: '✓'; color: var(--green); font-weight: 700; }

/* WHY US */
.whyus { background: var(--surface); }
.whyus-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 48px; }
.why-card { text-align: center; padding: 28px 20px; }
.why-icon { font-size: 40px; margin-bottom: 14px; }
.why-card h3 { font-family: var(--ff-head); font-size: 18px; margin-bottom: 8px; }
.why-card p { font-size: 13px; color: var(--muted); line-height: 1.65; }

/* TESTIMONIALS */
.testimonials { background: var(--ink); color: #fff; }
.testimonials .section-label { color: var(--gold2); }
.testimonials .section-title { color: #fff; }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.testi-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); padding: 28px; transition: all .25s; }
.testi-card:hover { background: rgba(255,255,255,.1); transform: translateY(-3px); }
.stars { color: var(--gold2); font-size: 18px; margin-bottom: 14px; }
.testi-text { font-size: 15px; color: rgba(255,255,255,.8); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.avatar { width: 44px; height: 44px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--ff-head); font-size: 16px; font-weight: 700; color: #fff; flex-shrink: 0; }
.testi-name { font-size: 14px; font-weight: 600; color: #fff; }
.testi-role { font-size: 12px; color: rgba(255,255,255,.5); }

/* QUIZ BANNER (between testimonials & taxation) */
.quiz-banner { background: linear-gradient(135deg, var(--gold) 0%, var(--gold2) 100%); padding: 56px 0; color: #fff; }
.quiz-banner-inner { display: grid; grid-template-columns: 1.5fr 1fr; gap: 40px; align-items: center; }
.quiz-banner h2 { font-size: clamp(26px, 3.5vw, 36px); color: #fff; margin-bottom: 12px; }
.quiz-banner p { font-size: 16px; color: rgba(255,255,255,.92); margin-bottom: 24px; line-height: 1.6; }
.quiz-banner .btn-primary { background: var(--ink); color: #fff; }
.quiz-banner .btn-primary:hover { background: #000; }
.quiz-banner-visual { font-size: 120px; text-align: center; opacity: .9; }

/* TAXATION + LOANS — reuse service-card style with own colors */
.taxation { background: linear-gradient(135deg, #ECFDF5, #F0FDF4); }
.tax-grid, .loans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.loans-grid { grid-template-columns: repeat(4, 1fr); }
.tax-card, .loan-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; transition: all .25s; }
.tax-card:hover, .loan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.tax-card .card-icon { background: rgba(13,123,110,.1); }
.tax-card h3, .loan-card h3 { font-family: var(--ff-head); font-size: 18px; margin-bottom: 8px; }
.tax-card p, .loan-card p { font-size: 13px; color: var(--muted); line-height: 1.6; margin-bottom: 14px; }
.tax-card .btn { padding: 8px 14px; font-size: 12px; }

/* BLOG TEASER */
.blog-teaser-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.blog-teaser { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; transition: all .25s; display: flex; flex-direction: column; }
.blog-teaser:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.blog-thumb { font-size: 48px; margin-bottom: 16px; }
.blog-cat { font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--blue); margin-bottom: 8px; }
.blog-teaser h3 { font-family: var(--ff-head); font-size: 19px; margin-bottom: 8px; line-height: 1.3; }
.blog-teaser p { font-size: 13px; color: var(--muted); line-height: 1.6; flex: 1; margin-bottom: 14px; }
.blog-meta { font-size: 12px; color: var(--muted); display: flex; gap: 12px; }

/* CONTACT */
.contact-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; margin-top: 48px; align-items: start; }
.contact-info h3 { font-family: var(--ff-head); font-size: 28px; margin-bottom: 14px; }
.contact-info p { color: var(--muted); margin-bottom: 28px; line-height: 1.7; }
.contact-item { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.contact-item-icon { width: 44px; height: 44px; border-radius: 10px; background: rgba(18,73,160,.08); display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.contact-item-body label { font-size: 12px; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .5px; }
.contact-item-body p { font-size: 14px; color: var(--ink); font-weight: 500; margin-top: 2px; }
.contact-form { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 32px; box-shadow: var(--shadow); position: relative; }
.contact-form h3 { font-family: var(--ff-head); font-size: 22px; margin-bottom: 24px; }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-inner, .analyzer-inner, .contact-inner { grid-template-columns: 1fr; gap: 40px; }
  .services-grid, .indices-grid, .testi-grid, .blog-teaser-grid, .tax-grid { grid-template-columns: repeat(2, 1fr); }
  .ins-grid { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
  .whyus-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-panel.active { grid-template-columns: 1fr; gap: 32px; }
  .quiz-banner-inner { grid-template-columns: 1fr; text-align: center; }
  .quiz-banner-visual { font-size: 80px; }
}
@media (max-width: 600px) {
  .services-grid, .indices-grid, .testi-grid, .blog-teaser-grid, .tax-grid, .loans-grid, .whyus-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 18px; }
  .calc-panels { padding: 24px; }
}