:root{
  --navy:#0a2342;--navy2:#0d2d56;--navy3:#1a3a6b;
  --gold:#c8a96e;--gold2:#b5923a;
  --light:#f5f7fa;--text:#333;--muted:#666;
  --radius:12px;--shadow:0 4px 24px rgba(10,35,66,.10);
  --wa:#25d366;--call:#0a2342;
  --max:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Ubuntu,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy2);text-decoration:none}
a:hover{color:var(--gold2)}
.container{width:min(100% - 2rem,var(--max));margin-inline:auto}
.skip{position:absolute;left:-9999px;top:auto}
.skip:focus{left:1rem;top:1rem;z-index:9999;background:#fff;padding:.5rem 1rem;border-radius:6px}

/* Header — sticky bar + desktop links + mobile hamburger (no top strip / no mnav) */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid #e8eaed}
.top .container{display:flex;align-items:center;justify-content:space-between;height:64px;gap:.75rem;position:relative}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;color:var(--navy);font-size:18px;line-height:1.15}
.brand img{width:36px;height:36px;object-fit:contain;border-radius:8px}
.brand span{display:block}
.brand small{display:none} /* tagline removed per Prakash */
nav.links{display:none;align-items:center;gap:26px}
nav.links a{text-decoration:none;font-weight:600;color:#334155;font-size:15px;padding:0}
nav.links a:hover,nav.links a.on{color:var(--gold2);background:transparent}
.top .btn-call-top{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:9px 16px;border-radius:999px;font-weight:700;font-size:14px;background:linear-gradient(135deg,var(--navy2),var(--navy));color:#fff!important;box-shadow:0 8px 20px rgba(10,35,66,.25);border:0;text-decoration:none;flex:none}
.top .btn-call-top:hover{filter:brightness(1.08);color:#fff!important}
.top .btn-call-top svg{width:18px;height:18px;fill:currentColor}
.menu-toggle{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border:1px solid #e0e4ea;border-radius:10px;background:#fff;color:var(--navy);font-size:1.35rem;line-height:1;cursor:pointer;flex:none;padding:0}
.menu-toggle:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.mnav{display:none!important} /* removed: was the mobile tab strip/"line" */

@media(min-width:980px){
  nav.links{display:flex}
  .menu-toggle{display:none}
}
@media(max-width:979px){
  nav.links{
    display:none;
    position:absolute;
    left:0;right:0;top:64px;
    flex-direction:column;
    align-items:stretch;
    gap:0;
    background:#fff;
    border-bottom:1px solid #e8eaed;
    box-shadow:0 12px 28px rgba(10,35,66,.12);
    padding:.5rem 0;
    z-index:60;
  }
  nav.links.open{display:flex}
  nav.links a{padding:.95rem 1.25rem;font-size:16px;border-bottom:1px solid #f0f2f5}
  nav.links a:last-child{border-bottom:0}
  nav.links a.on{color:var(--gold2);background:#faf8f4}
}
@media(max-width:480px){
  .top .btn-call-top span{display:none}
  .top .btn-call-top{padding:10px}
  .brand{font-size:16px}
}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy3) 55%,#16325a 100%);color:#fff;padding:3.5rem 0 3rem;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:auto -20% -40% 40%;height:80%;background:radial-gradient(circle,rgba(200,169,110,.18),transparent 60%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1fr;gap:0;align-items:center;position:relative;z-index:1;max-width:720px}
.hero h1{font-size:clamp(1.85rem,4vw,2.75rem);line-height:1.15;margin-bottom:1rem;letter-spacing:-.02em}
.hero h1 span{color:var(--gold)}
.hero p.lead{font-size:1.1rem;opacity:.92;max-width:36rem;margin-bottom:1.5rem}
.hero-stats{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.25rem 0 1.75rem}
.stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:.65rem .9rem;min-width:7.5rem}
.stat b{display:block;font-size:1.25rem;color:var(--gold)}
.stat span{font-size:.8rem;opacity:.85}
.hero-cta{display:flex;flex-wrap:wrap;gap:.75rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;padding:.85rem 1.25rem;border-radius:999px;font-weight:700;font-size:1rem;border:2px solid transparent;cursor:pointer;transition:.2s ease;text-align:center}
.btn-primary{background:var(--gold);color:var(--navy)!important;border-color:var(--gold)}
.btn-primary:hover{background:var(--gold2);border-color:var(--gold2);color:#fff!important}
.btn-outline{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.45)}
.btn-outline:hover{background:#fff;color:var(--navy)!important}
.btn-wa{background:var(--wa);color:#fff!important;border-color:var(--wa)}
.btn-wa:hover{filter:brightness(.95);color:#fff!important}
.btn-navy{background:var(--navy);color:#fff!important}
.btn-navy:hover{background:var(--navy2)}
.btn-lg{padding:1rem 1.5rem;font-size:1.05rem}

/* Sections */
section{padding:3.5rem 0}
.section-head{text-align:center;max-width:40rem;margin:0 auto 2.25rem}
.section-head h2{font-size:clamp(1.5rem,3vw,2rem);color:var(--navy);margin-bottom:.5rem;letter-spacing:-.02em}
.section-head p{color:var(--muted)}
.eyebrow{display:inline-block;color:var(--gold2);font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:.4rem}

/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.card{background:#fff;border:1px solid #e8eaed;border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow);transition:transform .2s ease,box-shadow .2s ease}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 30px rgba(10,35,66,.12)}
.card img{border-radius:10px;margin-bottom:1rem;aspect-ratio:16/10;object-fit:cover;width:100%}
.card h3{color:var(--navy);font-size:1.15rem;margin-bottom:.4rem}
.card p{color:var(--muted);font-size:.95rem}
.card .more{display:inline-block;margin-top:.85rem;font-weight:700;color:var(--gold2)}
.icon-pill{width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,#f7efdf,var(--gold));display:grid;place-items:center;font-size:1.35rem;margin-bottom:.85rem}

/* Why / features */
.why{background:var(--light)}
.feature{display:flex;gap:1rem;align-items:flex-start}
.feature .num{flex:0 0 2.4rem;height:2.4rem;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:800}

/* Currencies */
.curr-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:.75rem}
.curr{background:#fff;border:1px solid #e8eaed;border-radius:10px;padding:.85rem;text-align:center}
.curr b{display:block;color:var(--navy)}
.curr span{font-size:.8rem;color:var(--muted)}

/* Reviews */
.reviews{background:linear-gradient(180deg,#fff,var(--light))}
.rating-box{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;justify-content:center;margin-bottom:1.5rem}
.rating-score{font-size:2.5rem;font-weight:800;color:var(--navy);line-height:1}
.stars{color:#f5a623;letter-spacing:2px}
.review{background:#fff;border-radius:var(--radius);padding:1.25rem;border:1px solid #e8eaed}
.review .who{display:flex;align-items:center;gap:.65rem;margin-bottom:.65rem}
.avatar{width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:800}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:3rem 0}
.cta-band h2{color:#fff;margin-bottom:.5rem}
.cta-band p{opacity:.9;margin-bottom:1.25rem}
.cta-actions{display:flex;flex-wrap:wrap;gap:.75rem;justify-content:center}

/* Page hero small */
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:2.5rem 0 2rem}
.page-hero h1{font-size:clamp(1.6rem,3.5vw,2.3rem);margin:.35rem 0 .5rem}
.breadcrumb{font-size:.9rem;opacity:.85}
.breadcrumb a{color:#fff}
.breadcrumb span{opacity:.7;margin:0 .35rem}

/* Content */
.prose{max-width:46rem}
.prose h2{color:var(--navy);margin:1.75rem 0 .75rem;font-size:1.4rem}
.prose h3{color:var(--navy);margin:1.25rem 0 .5rem}
.prose p,.prose li{color:var(--muted);margin-bottom:.75rem}
.prose ul{padding-left:1.2rem;margin-bottom:1rem}
.content-split{display:grid;grid-template-columns:1.2fr .8fr;gap:2rem;align-items:start}
.side-card{background:var(--light);border-radius:var(--radius);padding:1.35rem;position:sticky;top:5.5rem}
.side-card h3{color:var(--navy);margin-bottom:.75rem}
.side-card li{list-style:none;margin-bottom:.55rem;color:var(--muted)}
.side-card a.btn{width:100%;margin-top:.5rem}

/* FAQ */
.faq details{background:#fff;border:1px solid #e8eaed;border-radius:10px;padding:1rem 1.15rem;margin-bottom:.75rem}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--gold2);font-weight:800}
.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:.65rem;color:var(--muted)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.info-block{background:#fff;border:1px solid #e8eaed;border-radius:var(--radius);padding:1.35rem}
.info-block h3{color:var(--navy);margin-bottom:.5rem}
.map-wrap{border-radius:var(--radius);overflow:hidden;border:1px solid #e8eaed;min-height:280px}
.map-wrap iframe{width:100%;height:320px;border:0}

/* Footer */
.footer{background:#06172e;color:#c9d2de;padding:3rem 0 1.5rem;font-size:.95rem}
.footer a{color:#e8eaed}
.footer a:hover{color:var(--gold)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:1.75rem;margin-bottom:2rem}
.footer h4{color:#fff;margin-bottom:.85rem;font-size:1rem}
.footer ul{list-style:none}
.footer li{margin-bottom:.45rem}
.footer-logo{filter:brightness(0) invert(1);width:160px;margin-bottom:.85rem;opacity:.95}
.social{display:flex;gap:.65rem;margin-top:.85rem}
.social a{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center;font-weight:700}
.copy{border-top:1px solid rgba(255,255,255,.08);padding-top:1.15rem;display:flex;flex-wrap:wrap;gap:.75rem;justify-content:space-between;font-size:.85rem;opacity:.85}

/* Sticky call bar mobile */
.sticky-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:200;background:#fff;border-top:1px solid #e8eaed;padding:.55rem .75rem;gap:.5rem;box-shadow:0 -4px 20px rgba(0,0,0,.08)}
.sticky-cta a{flex:1}

/* Blog */
.blog-card time{font-size:.8rem;color:var(--muted)}

@media (max-width:900px){
  .content-split,.contact-grid,.footer-grid,.grid-3{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .sticky-cta{display:flex}
  body{padding-bottom:4.5rem}
  .side-card{position:static}
  .hero{padding:2.5rem 0 2rem}
}
@media (max-width:480px){
  .hero-stats .stat{min-width:calc(50% - .4rem)}
}