/* =====================================================================
   R Mukesh — Insurance Advisor
   Palette: deep navy · white · light blue · teal accent
   Type: Source Serif 4 (headings) + Inter (body)
   ===================================================================== */

:root{
  --navy:#0c2545;
  --navy-2:#12325f;
  --navy-deep:#081a33;
  --teal:#0d9488;
  --teal-dark:#0b7d73;
  --blue-light:#e8f0fb;
  --blue-soft:#f4f8fd;
  --line:#e2e8f2;
  --ink:#182a45;
  --muted:#5c6c85;
  --white:#ffffff;
  --shadow-sm:0 2px 10px rgba(12,37,69,.06);
  --shadow-md:0 10px 30px rgba(12,37,69,.10);
  --shadow-lg:0 20px 50px rgba(12,37,69,.16);
  --radius:16px;
  --radius-lg:22px;
  --maxw:1160px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.65;
  font-size:17px;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}

h1,h2,h3,h4,.serif{
  font-family:"Source Serif 4","Georgia",serif;
  color:var(--navy);
  line-height:1.18;
  font-weight:600;
  letter-spacing:-.01em;
}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 22px}
.section{padding:76px 0}
.section--tint{background:var(--blue-soft)}

.eyebrow{
  display:inline-block;
  font-size:.8rem;font-weight:600;letter-spacing:.06em;
  color:var(--teal-dark);
  text-transform:uppercase;
  margin-bottom:12px;
}
.section-head{max-width:640px;margin-bottom:44px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head h2{font-size:2rem}
.section-head p{color:var(--muted);margin-top:12px;font-size:1.02rem}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:9px;
  font-weight:600;font-size:.98rem;
  padding:13px 24px;border-radius:999px;
  border:1.5px solid transparent;cursor:pointer;
  transition:transform .15s ease,box-shadow .2s ease,background .2s ease;
  min-height:48px;
}
.btn:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
.btn:active{transform:translateY(1px)}
.btn--primary{background:var(--navy);color:#fff}
.btn--primary:hover{background:var(--navy-2);box-shadow:var(--shadow-md)}
.btn--wa{background:var(--teal);color:#fff}
.btn--wa:hover{background:var(--teal-dark);box-shadow:var(--shadow-md)}
.btn--ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--navy);box-shadow:var(--shadow-sm)}
.btn--light{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.35)}
.btn--light:hover{background:rgba(255,255,255,.2)}
.btn .ico{width:18px;height:18px;flex:none}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(160%) blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px}
.brand .mark{
  width:40px;height:40px;border-radius:11px;flex:none;
  background:linear-gradient(150deg,var(--navy),var(--teal));
  color:#fff;display:grid;place-items:center;
  font-family:"Source Serif 4",serif;font-weight:700;font-size:1.15rem;
  box-shadow:var(--shadow-sm);
}
.brand .btxt{display:flex;flex-direction:column;line-height:1.1}
.brand .bname{font-family:"Source Serif 4",serif;font-weight:700;color:var(--navy);font-size:1.22rem}
.brand .btag{font-size:.72rem;color:var(--muted);letter-spacing:.02em}

.nav-links{display:flex;align-items:center;gap:30px}
.nav-links a{font-size:.95rem;font-weight:500;color:var(--ink);opacity:.85;transition:opacity .15s,color .15s}
.nav-links a:hover{opacity:1;color:var(--navy)}
.nav-cta{display:flex;align-items:center;gap:12px}

.mobile-menu{display:none}

.nav-toggle{
  display:none;width:46px;height:46px;border:1px solid var(--line);
  background:#fff;border-radius:12px;cursor:pointer;
  align-items:center;justify-content:center;
}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{
  content:"";display:block;width:20px;height:2px;background:var(--navy);
  border-radius:2px;position:relative;transition:.25s;
}
.nav-toggle span::before{position:absolute;top:-6px}
.nav-toggle span::after{position:absolute;top:6px}
.nav-toggle[aria-expanded="true"] span{background:transparent}
.nav-toggle[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}
.nav-toggle[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(1100px 500px at 88% -10%,rgba(13,148,136,.16),transparent 60%),
    linear-gradient(180deg,#fbfdff, #f2f7fd 70%);
  padding:70px 0 78px;
  border-bottom:1px solid var(--line);
}
.hero-grid{
  display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center;
}
.hero-copy .hkicker{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;border:1px solid var(--line);border-radius:999px;
  padding:6px 14px;font-size:.82rem;font-weight:600;color:var(--navy-2);
  box-shadow:var(--shadow-sm);margin-bottom:20px;
}
.hero-copy .hkicker .dot{width:8px;height:8px;border-radius:50%;background:var(--teal)}
.hero h1{font-size:3rem;margin-bottom:14px}
.hero h1 .lede{display:block;color:var(--teal-dark);font-size:1.35rem;font-weight:600;margin-top:6px}
.hero .sub{font-size:1.08rem;color:var(--muted);max-width:44ch;margin-bottom:26px}
.hero-meta{display:flex;flex-wrap:wrap;gap:10px 22px;margin-bottom:30px}
.hero-meta .mi{display:flex;align-items:center;gap:9px;font-size:.95rem;color:var(--ink)}
.hero-meta .mi svg{width:18px;height:18px;color:var(--teal-dark);flex:none}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px}

/* Profile photo card */
.hero-photo{display:flex;justify-content:center}
.photo-card{
  position:relative;width:100%;max-width:380px;
  background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-lg);padding:14px;
  box-shadow:var(--shadow-lg);
}
.photo-card::before{
  content:"";position:absolute;inset:-14px -14px auto auto;
  width:120px;height:120px;border-radius:50%;
  background:radial-gradient(circle at 30% 30%,rgba(13,148,136,.25),transparent 70%);
  z-index:-1;
}
.profile-photo{
  width:100%;max-width:100%;
  aspect-ratio:1/1;object-fit:cover;object-position:center top;
  border-radius:16px;display:block;
}
.photo-badge{
  position:absolute;left:26px;bottom:-16px;
  background:var(--navy);color:#fff;border-radius:12px;
  padding:9px 16px;font-size:.82rem;font-weight:600;
  box-shadow:var(--shadow-md);display:flex;align-items:center;gap:8px;
}
.photo-badge b{font-family:"Source Serif 4",serif;font-size:1rem}

/* ---------- About ---------- */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.about-copy p{color:var(--muted);margin-bottom:16px}
.about-copy p strong{color:var(--ink)}
.about-facts{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:8px 26px;box-shadow:var(--shadow-sm);
}
.about-facts .row{display:flex;justify-content:space-between;gap:16px;padding:16px 0;border-bottom:1px solid var(--line)}
.about-facts .row:last-child{border-bottom:none}
.about-facts .k{color:var(--muted);font-size:.92rem}
.about-facts .v{font-weight:600;color:var(--navy);text-align:right}

/* ---------- Cards grid (solutions / why) ---------- */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:26px 24px;box-shadow:var(--shadow-sm);
  transition:transform .18s ease,box-shadow .2s ease,border-color .2s ease;
}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:#d3deed}
.card .ci{
  width:48px;height:48px;border-radius:13px;display:grid;place-items:center;
  background:var(--blue-light);color:var(--navy);margin-bottom:16px;
}
.card .ci svg{width:24px;height:24px}
.card h3{font-size:1.14rem;margin-bottom:8px}
.card p{color:var(--muted);font-size:.96rem}

/* why-choose compact list style */
.why .card{display:flex;gap:16px;align-items:flex-start;padding:22px}
.why .card .ci{margin-bottom:0}

/* ---------- Process timeline ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
.step{
  position:relative;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:30px 26px 26px;box-shadow:var(--shadow-sm);
}
.step .num{
  width:44px;height:44px;border-radius:12px;background:var(--navy);color:#fff;
  font-family:"Source Serif 4",serif;font-weight:700;font-size:1.2rem;
  display:grid;place-items:center;margin-bottom:16px;
}
.step h3{font-size:1.12rem;margin-bottom:7px}
.step p{color:var(--muted);font-size:.96rem}

/* ---------- Achievements (with photo) ---------- */
.ach-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center}
.ach-photo{
  border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--line);
  box-shadow:var(--shadow-lg);background:#fff;max-width:420px;
}
.ach-photo img{width:100%;height:auto;display:block;object-fit:cover}
.ach-copy .eyebrow{color:var(--teal-dark)}
.ach-copy h2{font-size:2rem;margin-bottom:14px}
.ach-copy > p{color:var(--muted);margin-bottom:24px}
.ach-highlights{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.ach-item{
  background:#fff;border:1px solid var(--line);border-radius:14px;
  padding:18px 18px;box-shadow:var(--shadow-sm);
}
.ach-item .big{font-family:"Source Serif 4",serif;font-size:1.5rem;font-weight:700;color:var(--navy);display:block}
.ach-item .lbl{color:var(--muted);font-size:.9rem;margin-top:2px}

/* ---------- CTA band ---------- */
.cta-band{
  background:
    radial-gradient(700px 300px at 15% 0%,rgba(13,148,136,.35),transparent 60%),
    linear-gradient(135deg,var(--navy-deep),var(--navy-2));
  color:#fff;border-radius:26px;padding:52px 46px;
  display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;
  box-shadow:var(--shadow-lg);
}
.cta-band h2{color:#fff;font-size:1.85rem;max-width:20ch}
.cta-band p{color:rgba(255,255,255,.82);margin-top:10px;max-width:46ch}
.cta-band .cta-actions{display:flex;gap:14px;flex-wrap:wrap}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:44px;align-items:start}
.contact-info .ci-item{
  display:flex;gap:16px;align-items:flex-start;padding:18px 0;border-bottom:1px solid var(--line);
}
.contact-info .ci-item:last-of-type{border-bottom:none}
.contact-info .ci-ico{
  width:46px;height:46px;border-radius:12px;background:var(--blue-light);color:var(--navy);
  display:grid;place-items:center;flex:none;
}
.contact-info .ci-ico svg{width:22px;height:22px}
.contact-info .ci-k{font-size:.82rem;color:var(--muted);margin-bottom:2px}
.contact-info .ci-v{font-weight:600;color:var(--ink);word-break:break-word}
.contact-info .ci-v a:hover{color:var(--teal-dark)}
.contact-quick{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}

/* Form */
.form-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:30px;box-shadow:var(--shadow-md);
}
.form-card h3{font-size:1.3rem;margin-bottom:6px}
.form-card .fsub{color:var(--muted);font-size:.95rem;margin-bottom:22px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.9rem;font-weight:600;color:var(--navy);margin-bottom:7px}
.field label .req{color:#c0392b}
.field input,.field select,.field textarea{
  width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;
  font-family:inherit;font-size:1rem;color:var(--ink);background:#fdfdff;transition:border .15s,box-shadow .15s;
}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(13,148,136,.15);
}
.field .err{display:none;color:#c0392b;font-size:.82rem;margin-top:6px}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:#c0392b}
.field.invalid .err{display:block}
.form-note{font-size:.82rem;color:var(--muted);margin-top:6px}
.form-success{
  display:none;background:#e8f7f3;border:1px solid #9fe0d3;color:#0b6b60;
  border-radius:12px;padding:14px 16px;font-weight:500;margin-bottom:18px;
}
.form-success.show{display:block}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-deep);color:#cfd9e8;padding:56px 0 26px;margin-top:10px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-brand .fb-name{font-family:"Source Serif 4",serif;color:#fff;font-size:1.5rem;font-weight:700}
.footer-brand .fb-tag{color:#9fb0c8;font-size:.92rem;margin:6px 0 16px}
.footer-brand p{color:#a9b8ce;font-size:.94rem;max-width:34ch}
.footer-col h4{color:#fff;font-size:.95rem;margin-bottom:14px;letter-spacing:.02em}
.footer-col a,.footer-col li{color:#b7c4d8;font-size:.94rem;margin-bottom:10px;display:block}
.footer-col a:hover{color:#fff}
.footer-col .fline{display:flex;gap:9px;align-items:flex-start;margin-bottom:11px}
.footer-col .fline svg{width:17px;height:17px;color:var(--teal);flex:none;margin-top:3px}
.footer-bottom{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;padding-top:22px;font-size:.86rem;color:#8ea0ba}
.footer-bottom a{color:#cfd9e8}
.footer-bottom a:hover{color:#fff}

/* ---------- Legal pages ---------- */
.page-hero{
  background:linear-gradient(135deg,var(--navy-deep),var(--navy-2));color:#fff;padding:56px 0;
}
.page-hero h1{color:#fff;font-size:2.2rem}
.page-hero p{color:rgba(255,255,255,.8);margin-top:8px}
.legal{padding:56px 0}
.legal-wrap{max-width:820px;margin:0 auto}
.legal-wrap .meta{color:var(--muted);font-size:.9rem;margin-bottom:30px}
.legal-wrap h2{font-size:1.35rem;margin:32px 0 10px}
.legal-wrap h2:first-of-type{margin-top:0}
.legal-wrap p{color:var(--muted);margin-bottom:14px}
.legal-wrap ul{margin:0 0 16px 2px}
.legal-wrap li{position:relative;padding-left:22px;color:var(--muted);margin-bottom:9px}
.legal-wrap li::before{content:"";position:absolute;left:2px;top:10px;width:7px;height:7px;border-radius:50%;background:var(--teal)}
.legal-wrap a{color:var(--teal-dark);font-weight:500}
.back-link{display:inline-flex;align-items:center;gap:7px;color:var(--teal-dark);font-weight:600;margin-top:30px}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
}

/* ---------- Responsive ---------- */
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .hero-photo{order:-1}
  .hero h1{font-size:2.5rem}
  .about-grid,.ach-grid,.contact-grid{grid-template-columns:1fr;gap:32px}
  .ach-photo{max-width:340px;margin:0 auto}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr;gap:30px}
  .footer-brand{grid-column:1 / -1}
}

@media (max-width:720px){
  .nav-links,.nav-cta .btn{display:none}
  .nav-toggle{display:flex}
  .mobile-menu{
    display:none;position:absolute;left:0;right:0;top:70px;
    background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow-md);
    padding:14px 22px 20px;
  }
  .mobile-menu.open{display:block}
  .mobile-menu a{display:block;padding:13px 4px;font-weight:500;border-bottom:1px solid var(--blue-soft)}
  .mobile-menu .mm-actions{display:flex;flex-direction:column;gap:10px;margin-top:14px}
  .mobile-menu .btn{width:100%;justify-content:center}
}

@media (max-width:560px){
  body{font-size:16px}
  .section{padding:56px 0}
  .hero{padding:48px 0 56px}
  .hero h1{font-size:2rem}
  .hero h1 .lede{font-size:1.15rem}
  .section-head h2,.ach-copy h2{font-size:1.6rem}
  .grid-3,.grid-2,.ach-highlights{grid-template-columns:1fr}
  .cta-band{padding:36px 26px;text-align:center;flex-direction:column;align-items:flex-start}
  .cta-band h2{font-size:1.5rem}
  .footer-grid{grid-template-columns:1fr}
  .form-card{padding:24px 20px}
  .hero-actions .btn,.cta-band .cta-actions .btn{flex:1 1 auto;justify-content:center}
}