/* FFFS v6 — bright, trustworthy, mobile-first */
:root{
  --navy:#0B2A5B; --navy2:#123C7E; --ink:#0F1E36; --muted:#55657F; --line:#E2E9F4;
  --bg:#FFFFFF; --soft:#F5F8FD; --ice:#EAF2FF; --blue:#1C64F2;
  --gold:#D4A017; --gold-soft:#FFF5DA; --red:#C8102E; --red-d:#A50D25; --wa:#1F9D55;
  --r:18px; --r-sm:12px; --sh:0 10px 30px rgba(11,42,91,.08); --sh-h:0 18px 40px rgba(11,42,91,.14);
  --f:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--f);font-size:17px;line-height:1.65;color:var(--ink);background:var(--bg);overflow-x:hidden;overflow-x:clip}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
svg{width:1em;height:1em;flex:none}
.hi{font-family:'Noto Sans Devanagari',var(--f)}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
section{padding:84px 0}
h1,h2,h3,h4{line-height:1.2;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem);font-weight:800}
h2{font-size:clamp(1.65rem,3.2vw,2.4rem);font-weight:800}
h3{font-size:1.15rem;font-weight:700}
p{color:var(--muted)}
.lead{font-size:1.1rem;color:var(--muted);max-width:720px}
.center{text-align:center}.center .lead{margin:0 auto}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);background:var(--ice);padding:6px 14px;border-radius:999px;margin-bottom:14px}
.head{margin-bottom:44px}.head h2{margin-bottom:12px}
.grad{background:linear-gradient(90deg,var(--red),#E8792B);-webkit-background-clip:text;background-clip:text;color:transparent}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:700;font-size:1rem;padding:15px 26px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:.2s;font-family:inherit;line-height:1.2}
.btn svg{width:20px;height:20px}
.btn-cta{background:var(--red);color:#fff;box-shadow:0 10px 24px rgba(200,16,46,.28)}
.btn-cta:hover{background:var(--red-d);transform:translateY(-2px)}
.btn-wa{background:var(--wa);color:#fff}.btn-wa:hover{filter:brightness(.95);transform:translateY(-2px)}
.btn-line{background:#fff;color:var(--navy);border-color:var(--line)}.btn-line:hover{border-color:var(--navy);transform:translateY(-2px)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy2);transform:translateY(-2px)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-sm{padding:10px 18px;font-size:.92rem}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.cta-note{font-size:.92rem;color:var(--muted);margin-top:10px}

/* topbar + header */
.topbar{background:var(--navy);color:#cfdaf0;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:38px}
.topbar a{color:#fff;font-weight:600}.topbar .tl,.topbar .tr{display:flex;gap:18px;align-items:center}
.topbar svg{width:15px;height:15px;color:var(--gold)}
.topbar .tl a,.topbar .tr a{display:inline-flex;gap:6px;align-items:center;white-space:nowrap}
.topbar .qk a{padding:4px 10px;border-radius:999px;background:rgba(255,255,255,.08)}.topbar .qk a:hover{background:rgba(255,255,255,.18)}
.topbar .qk{gap:8px}
.wa-line svg{color:var(--wa)}
.cb{margin-top:34px;background:linear-gradient(120deg,#F4F8FF,#FFF8E8);border:1px solid var(--line);border-radius:22px;padding:24px 28px;display:grid;grid-template-columns:.8fr 2fr;gap:22px;align-items:center}
.cb h3{font-size:1.2rem}.cb p{font-size:.93rem}
.cbf{display:grid;grid-template-columns:1fr 1fr 1fr auto;align-items:start;gap:10px}
.cbf .consent{grid-column:1/-1;order:9}.cbf .err{grid-column:1/-1}
.cbf .btn{padding:13px 18px}
.cb .done{grid-column:1/-1}
.creds{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.creds>div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;display:grid;grid-template-columns:auto 1fr;column-gap:14px;align-items:center}
.creds .ic{grid-row:span 2;width:46px;height:46px;font-size:22px}
.creds b{color:var(--navy);font-size:1.05rem;line-height:1.2}.creds span{font-size:.85rem;color:var(--muted)}
.mbar{transition:transform .25s}
.stars{color:#F5B301;letter-spacing:1px}
header.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .2s}
header.top.scrolled{box-shadow:0 6px 24px rgba(11,42,91,.08)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:74px;gap:16px}
.brand{display:flex;align-items:center;gap:12px}
.logo{width:58px;height:40px;border-radius:50%;background:#061a3b;border:3px solid var(--gold);display:grid;place-items:center;color:var(--gold);font-family:Georgia,serif;font-weight:700;font-size:.85rem;flex:none}
.brand b{display:block;color:var(--navy);font-size:1rem;line-height:1.2}
.brand small{color:var(--muted);font-size:.78rem}
.nav{display:flex;align-items:center;gap:4px}
.nav>a,.dd>a{padding:10px 12px;border-radius:10px;font-weight:600;font-size:.95rem;color:var(--ink);display:inline-flex;align-items:center;gap:4px}
.nav>a:hover,.dd>a:hover{background:var(--soft);color:var(--blue)}
.dd{position:relative}
.dd>a:after{content:'';width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-3px);margin-left:4px;opacity:.6}
.dd-menu{position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--sh-h);padding:10px;min-width:270px;display:none}
.dd-menu.wide{min-width:520px;display:none;grid-template-columns:1fr 1fr;gap:2px}
.dd:hover .dd-menu{display:block}.dd:hover .dd-menu.wide{display:grid}
.dd-menu a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:10px;font-size:.93rem;font-weight:600;color:var(--ink)}
.dd-menu a:hover{background:var(--soft);color:var(--blue)}
.dd-menu a i{width:30px;height:30px;border-radius:9px;display:grid;place-items:center;font-size:16px;flex:none}
.nav .btn{margin-left:8px;padding:12px 22px}
.nav>a.btn-cta,.nav>a.btn-cta:hover{color:#fff;background:var(--red)}
.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer}
.burger span{display:block;width:24px;height:2.5px;background:var(--navy);margin:5px auto;border-radius:2px;transition:.25s}

/* tints per category */
.t-term{--c:#1C64F2;--cb:#E8F0FF}.t-health{--c:#E0435A;--cb:#FFECEF}.t-tulip{--c:#6D4AE0;--cb:#F0EBFF}
.t-guar{--c:#C98A00;--cb:#FFF4D9}.t-early{--c:#138A72;--cb:#E3F7F2}.t-lti{--c:#0A84C1;--cb:#E4F5FF}
.t-whole{--c:#3F51B5;--cb:#ECEFFF}.t-ulip{--c:#B03AA0;--cb:#FCEAFA}.t-child{--c:#E46B12;--cb:#FFF0E4}
.t-ret{--c:#2E8B3D;--cb:#E8F6EA}.t-motor{--c:#D9480F;--cb:#FFEEE7}.t-hren{--c:#C2185B;--cb:#FDE9F1}
.t-biz{--c:#41546E;--cb:#EDF1F6}.t-nri{--c:#0891B2;--cb:#E2F7FB}.t-senior{--c:#8E5A2B;--cb:#F7EEE5}
.ic{width:52px;height:52px;border-radius:14px;background:var(--cb,var(--ice));color:var(--c,var(--blue));display:grid;place-items:center;font-size:26px;flex:none}
.dd-menu a i{background:var(--cb);color:var(--c)}

/* hero */
.hero{position:relative;padding:64px 0 72px;background:radial-gradient(1200px 500px at 85% -10%,#DCE9FF 0,transparent 60%),radial-gradient(800px 400px at -10% 110%,#FFF1D6 0,transparent 60%),linear-gradient(180deg,#F7FAFF,#fff);overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.pill{display:inline-flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh);padding:8px 16px;border-radius:999px;font-weight:700;font-size:.88rem;color:var(--navy);margin-bottom:22px}
.pill .dot3{display:flex;gap:6px;align-items:center}
.pill .dot3 b{color:var(--red)}
.hero h1{margin-bottom:18px}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,var(--navy2),var(--blue));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .sub{font-size:1.15rem;max-width:580px}
.trust{display:grid;grid-template-columns:repeat(4,max-content);gap:8px;margin-top:30px}
.trust b{white-space:nowrap}
@media(max-width:1180px){.trust{grid-template-columns:repeat(2,max-content)}}
.trust>a,.trust>div{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:8px 11px;box-shadow:0 4px 14px rgba(11,42,91,.05)}
.trust b{color:var(--navy);font-size:1.15rem;line-height:1}
.trust span{font-size:.8rem;color:var(--muted);line-height:1.2;display:block}
.trust .g{font-weight:800;font-size:1.1rem;background:conic-gradient(#4285F4 0 25%,#34A853 0 50%,#FBBC05 0 75%,#EA4335 0);-webkit-background-clip:text;background-clip:text;color:transparent}
.photo{position:relative;justify-self:center;width:min(420px,100%)}
.photo .blob{position:absolute;inset:6% -2% -2% 6%;border-radius:42% 58% 52% 48%/48% 42% 58% 52%;background:linear-gradient(140deg,var(--navy2),var(--blue) 60%,#4FA3FF);transform:rotate(-6deg)}
.photo .frame{position:relative;border-radius:28px;overflow:hidden;aspect-ratio:4/5;background:#e9eef7;box-shadow:0 30px 60px rgba(11,42,91,.25);border:6px solid #fff}
.photo .frame img{width:100%;height:100%;object-fit:cover}
.photo .fallback{display:grid;place-items:center;height:100%;font-size:4rem;font-weight:800;color:var(--navy)}
.fc{position:absolute;background:#fff;border-radius:16px;box-shadow:var(--sh-h);padding:12px 16px;display:flex;gap:12px;align-items:center;font-size:.82rem;color:var(--muted);line-height:1.3;animation:float 5s ease-in-out infinite}
.fc b{display:block;color:var(--navy);font-size:1.1rem}
.fc .ic{width:40px;height:40px;font-size:20px;border-radius:11px}
.fc.f1{left:-36px;top:18%}.fc.f2{right:-28px;top:52%;animation-delay:-2s}.fc.f3{left:-16px;bottom:6%;animation-delay:-3.5s}
@keyframes float{50%{transform:translateY(-8px)}}

/* product grid */
.prod{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.tile{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;display:flex;flex-direction:column;gap:12px;transition:.25s;overflow:hidden}
.tile:before{content:'';position:absolute;inset:0 0 auto 0;height:4px;background:var(--c)}
.tile:hover{transform:translateY(-6px);box-shadow:var(--sh-h);border-color:transparent}
.tile .num{position:absolute;top:16px;right:18px;font-weight:800;font-size:.8rem;color:var(--c);opacity:.55}
.tile h3{font-size:1.08rem}
.tile p{font-size:.92rem;line-height:1.5;flex:1}
.tile .lk{display:flex;gap:8px;flex-wrap:wrap}
.tile .lk a{font-size:.85rem;font-weight:700;padding:7px 12px;border-radius:999px;display:inline-flex;gap:6px;align-items:center}
.tile .lk a.d{background:var(--cb);color:var(--c)}
.tile .lk a.v{background:#FFF0F0;color:#D7141A}
.tile .lk a svg{width:14px;height:14px}
.chips{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:26px}
.chip{display:inline-flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);padding:10px 18px 10px 10px;border-radius:999px;font-weight:700;color:var(--navy);transition:.2s}
.chip .ic{width:34px;height:34px;font-size:17px;border-radius:50%}
.chip:hover{box-shadow:var(--sh);transform:translateY(-2px)}

/* timeline consult compare buy */
.ccb{background:linear-gradient(180deg,var(--soft),#fff)}
.tl3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;position:relative;counter-reset:s}
.tl3:before{content:'';position:absolute;top:44px;left:16%;right:16%;height:3px;background:repeating-linear-gradient(90deg,var(--gold) 0 10px,transparent 10px 18px)}
.st{position:relative;text-align:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px 24px;box-shadow:var(--sh)}
.st .ci{width:72px;height:72px;margin:-66px auto 16px;border-radius:50%;display:grid;place-items:center;font-size:30px;color:#fff;border:6px solid #fff;box-shadow:var(--sh)}
.st:nth-child(1) .ci{background:var(--blue)}.st:nth-child(2) .ci{background:var(--gold)}.st:nth-child(3) .ci{background:var(--red)}
.st .k{font-size:.78rem;font-weight:800;letter-spacing:.1em;color:var(--muted);text-transform:uppercase}
.st h3{font-size:1.4rem;margin:4px 0 8px}
.tl3 .st{margin-top:40px}

/* value cards */
.vals{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.val{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;transition:.25s}
.val:hover{box-shadow:var(--sh);transform:translateY(-3px)}
.val h3{font-size:1.05rem;margin-bottom:4px}.val p{font-size:.93rem;line-height:1.5}
.big-n{font-size:1.5rem;font-weight:800;color:var(--red)}

/* insurers */
.ins-wrap{background:var(--soft)}
.ins-h{font-size:.85rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:24px 0 12px;text-align:center}
.ins{display:flex;flex-wrap:wrap;justify-content:center;gap:10px}
.ins span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:700;font-size:.9rem;color:var(--navy)}
.ins span.more{background:var(--gold-soft);border-color:#F2DFA6}
.ins-note{text-align:center;font-size:.85rem;margin-top:18px}

/* reviews */
.rv-top{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap;margin-bottom:28px}
.rating{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 20px;box-shadow:var(--sh)}
.rating .n{font-size:2.4rem;font-weight:800;color:var(--navy);line-height:1}
.rating .stars{font-size:1.25rem}
.rating small{display:block;color:var(--muted);font-size:.85rem}
.rv-row{display:grid;grid-auto-flow:column;grid-auto-columns:min(360px,86%);gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 4px 18px;scrollbar-width:thin}
.rv{scroll-snap-align:start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:12px;box-shadow:0 4px 16px rgba(11,42,91,.05)}
.rv .q{color:var(--gold);font-size:28px}
.rv p{color:var(--ink);font-size:.97rem;line-height:1.6;flex:1}
.rv .who{display:flex;align-items:center;gap:12px;border-top:1px solid var(--line);padding-top:14px}
.rv .av{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;font-weight:800;color:#fff;background:var(--navy2);flex:none}
.rv .who b{display:block;color:var(--navy);font-size:.95rem}
.rv .who span{font-size:.8rem;color:var(--muted)}
.rv .tag{display:inline-block;background:var(--ice);color:var(--blue);font-size:.75rem;font-weight:700;padding:3px 10px;border-radius:999px}
.rv-nav{display:flex;gap:10px}
.rv-nav button{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;display:grid;place-items:center;color:var(--navy);font-size:20px}
.rv-nav button:hover{background:var(--navy);color:#fff}
.rv-single{max-width:760px}

/* compare table + fit */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.cmp{background:#fff;border-radius:var(--r);overflow:hidden;box-shadow:var(--sh);border:1px solid var(--line)}
.cmp table{width:100%;border-collapse:collapse;font-size:.95rem}
.cmp th{padding:16px;text-align:left;font-size:.85rem;text-transform:uppercase;letter-spacing:.05em}
.cmp th:first-child{background:#F1F4F9;color:var(--muted)}.cmp th:last-child{background:var(--navy);color:#fff}
.cmp td{padding:14px 16px;border-top:1px solid var(--line)}
.cmp td:first-child{color:var(--muted)}.cmp td:last-child{font-weight:700;color:var(--navy)}
.fit{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.fitc{border-radius:var(--r);padding:28px;border:1px solid var(--line);background:#fff}
.fitc.y{border-top:5px solid var(--wa)}.fitc.n{border-top:5px solid var(--red)}
.fitc h3{margin-bottom:14px}
ul.ok,ul.no{list-style:none;display:grid;gap:10px}
ul.ok li,ul.no li{position:relative;padding-left:32px;color:var(--ink)}
ul.ok li:before,ul.no li:before{position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;font-size:.75rem;font-weight:800}
ul.ok li:before{content:'✓';background:#E3F6EA;color:var(--wa)}
ul.no li:before{content:'✕';background:#FDE8EB;color:var(--red)}

/* NRI band */
.nri-band{background:linear-gradient(135deg,var(--navy),#0E3A7A 60%,#0891B2);color:#fff;position:relative;overflow:hidden}
.nri-band h2{color:#fff}.nri-band p{color:#CFE0F5}
.nri-band .eyebrow{background:rgba(255,255,255,.12);color:#fff}
.ctry{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.ctry a{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:18px;display:flex;align-items:center;gap:12px;font-weight:700;color:#fff;transition:.2s}
.ctry a:hover{background:rgba(255,255,255,.16);transform:translateY(-3px)}
.ctry .fl{font-size:1.6rem;line-height:1}
.ctry small{display:block;font-weight:500;color:#BFD3EE;font-size:.8rem}

/* learn cards */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pc{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;transition:.25s}
.pc:hover{transform:translateY(-5px);box-shadow:var(--sh-h)}
.pc .top{height:130px;display:grid;place-items:center;font-size:48px;color:var(--c);background:linear-gradient(135deg,var(--cb),#fff)}
.pc .bd{padding:20px;display:flex;flex-direction:column;gap:8px;flex:1}
.pc .meta{display:flex;gap:10px;align-items:center;font-size:.8rem;color:var(--muted)}
.pc .meta .tg{background:var(--cb);color:var(--c);font-weight:700;padding:3px 10px;border-radius:999px}
.pc h3{font-size:1.05rem}
.pc p{font-size:.92rem;flex:1}
.pc .more{font-weight:700;color:var(--blue);font-size:.92rem}
.soon{display:inline-block;background:var(--gold-soft);color:#8A6200;font-weight:700;font-size:.75rem;padding:3px 10px;border-radius:999px}

/* gyaan */
.tabs{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-bottom:28px}
.tabs button{border:1px solid var(--line);background:#fff;padding:11px 20px;border-radius:999px;font-weight:700;font-family:inherit;font-size:.95rem;cursor:pointer;color:var(--navy);display:inline-flex;gap:8px;align-items:center}
.tabs button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.tabp{display:none}.tabp.on{display:grid}
.shorts{grid-template-columns:repeat(4,1fr);gap:18px}
.sh{border-radius:20px;aspect-ratio:9/14;padding:18px;display:flex;flex-direction:column;justify-content:flex-end;color:#fff;position:relative;overflow:hidden;background:linear-gradient(160deg,var(--c),#0B2A5B);transition:.25s}
.sh:hover{transform:translateY(-5px);box-shadow:var(--sh-h)}
.sh .pl{position:absolute;top:16px;right:16px;width:44px;height:44px;border-radius:50%;background:rgba(255,255,255,.2);display:grid;place-items:center;font-size:20px}
.sh .tk{font-size:.75rem;font-weight:700;opacity:.85;text-transform:uppercase;letter-spacing:.06em}
.sh h3{color:#fff;font-size:1.05rem;margin:6px 0}
.sh p{color:#E6EEFF;font-size:.86rem;line-height:1.45}

/* page hero */
.phero{padding:56px 0 52px;background:radial-gradient(900px 380px at 90% -20%,var(--cb,#DCE9FF) 0,transparent 65%),linear-gradient(180deg,#F7FAFF,#fff);border-bottom:1px solid var(--line)}
.phero .wrap{display:grid;grid-template-columns:auto 1fr;gap:24px;align-items:start}
.phero .ic{width:76px;height:76px;font-size:38px;border-radius:22px;box-shadow:var(--sh)}
.phero.noic .wrap{grid-template-columns:1fr}
.crumb{font-size:.88rem;color:var(--muted);margin-bottom:10px}.crumb a{color:var(--blue);font-weight:600}
.phero h1{font-size:clamp(1.9rem,3.8vw,2.8rem);margin-bottom:12px}
.phero p.lead{font-size:1.08rem}

/* content layout */
.two{display:grid;grid-template-columns:1fr 340px;gap:40px;align-items:start}
.prose h2{font-size:1.5rem;margin:36px 0 14px}.prose h2:first-child{margin-top:0}
.prose p{margin-bottom:14px}
.boxes{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:8px 0 10px}
.box{border-radius:var(--r);padding:22px;border:1px solid var(--line);background:#fff}
.box h3{font-size:1rem;margin-bottom:12px;display:flex;gap:8px;align-items:center}
.box ul{list-style:none;display:grid;gap:8px}
.box li{font-size:.92rem;line-height:1.45;color:var(--ink);padding-left:18px;position:relative}
.box li:before{content:'';position:absolute;left:0;top:.55em;width:8px;height:8px;border-radius:50%;background:var(--bc)}
.box.b1{--bc:var(--blue);background:#F6F9FF}.box.b2{--bc:var(--red);background:#FFF7F8}.box.b3{--bc:var(--wa);background:#F4FBF6}
.video{position:relative;aspect-ratio:16/9;border-radius:var(--r);overflow:hidden;box-shadow:var(--sh);background:#000;margin:6px 0 12px}
.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.plink{display:inline-flex;align-items:center;gap:10px;font-weight:700;color:#D7141A;background:#FFF0F0;padding:10px 16px;border-radius:999px;margin:0 8px 12px 0;font-size:.93rem}
.plink svg{width:20px;height:20px}
.side{position:sticky;top:96px;display:grid;gap:18px}
.sc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--sh)}
.sc h3{margin-bottom:8px}.sc p{font-size:.93rem;margin-bottom:16px}
.sc .btn{width:100%;margin-top:8px}
.sc.nav-list a{display:flex;align-items:center;gap:10px;padding:8px 0;font-weight:600;font-size:.93rem;color:var(--navy);border-bottom:1px dashed var(--line)}
.sc.nav-list a:last-child{border:0}
.sc.nav-list a .ic{width:30px;height:30px;font-size:15px;border-radius:8px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:10px;overflow:hidden}
.faq summary{padding:16px 20px;font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:'+';font-size:1.4rem;line-height:1;color:var(--blue)}
.faq details[open] summary:after{content:'–'}
.faq details p{padding:0 20px 18px}

/* CTA band */
.band{background:linear-gradient(120deg,var(--navy),var(--navy2));border-radius:28px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap;color:#fff;position:relative;overflow:hidden}
.band:after{content:'';position:absolute;right:-80px;top:-80px;width:260px;height:260px;border-radius:50%;background:rgba(212,160,23,.18)}
.band h2{color:#fff;font-size:clamp(1.5rem,2.6vw,2rem)}.band p{color:#C9D6EE;margin-top:8px}
.band .actions{margin-top:0;position:relative;z-index:1}

/* about strip */
.about-s{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center}
.about-s .photo{width:min(360px,100%)}
.quote{font-size:1.2rem;color:var(--navy);font-weight:600;border-left:4px solid var(--gold);padding-left:18px;margin:18px 0}
.facts{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:20px}
.facts div{background:var(--soft);border-radius:14px;padding:14px 16px}
.facts b{display:block;color:var(--navy);font-size:1.3rem}.facts span{font-size:.85rem;color:var(--muted)}

/* forms */
.form{display:grid;gap:16px}
.fg{display:grid;gap:6px}
.fg label,.lbl{font-weight:700;font-size:.9rem;color:var(--navy)}
.fg label small{font-weight:500;color:var(--muted)}
input,select,textarea{font-family:inherit;font-size:1rem;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);width:100%;transition:.2s}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(28,100,242,.12)}
textarea{min-height:90px;resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.opts{display:flex;flex-wrap:wrap;gap:8px}
.opts label{position:relative;cursor:pointer}
.opts input{position:absolute;opacity:0;pointer-events:none}
.opts span{display:inline-block;padding:10px 16px;border:1.5px solid var(--line);border-radius:999px;font-weight:600;font-size:.92rem;color:var(--ink);background:#fff;transition:.15s}
.opts input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.opts input:focus-visible+span{box-shadow:0 0 0 4px rgba(28,100,242,.2)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--muted)}
.consent input{width:20px;height:20px;margin-top:3px;flex:none;accent-color:var(--navy)}
.hp{position:absolute!important;left:-9999px!important;opacity:0}
.fee{display:flex;gap:12px;align-items:center;background:var(--gold-soft);border:1px solid #F2DFA6;border-radius:14px;padding:12px 16px;font-size:.93rem;color:#5E4600;font-weight:600}
.fee svg{width:22px;height:22px;color:#B58700}
.warn{display:none;background:#FFF1EC;border:1px solid #FFC9B5;color:#9A3412;border-radius:12px;padding:12px 14px;font-size:.9rem;font-weight:600}
.warn.show{display:block}
.err{display:none;color:var(--red);font-weight:700;font-size:.9rem}.err.show{display:block}
.fcard{background:#fff;border:1px solid var(--line);border-radius:24px;padding:32px;box-shadow:var(--sh)}
.fcard h2{font-size:1.5rem;margin-bottom:6px}
.seg{display:inline-flex;background:var(--soft);border-radius:999px;padding:5px;gap:4px;margin-bottom:6px}
.seg button{border:0;background:none;padding:10px 20px;border-radius:999px;font-weight:700;font-family:inherit;cursor:pointer;color:var(--muted);font-size:.95rem}
.seg button.on{background:var(--navy);color:#fff}
.optional{border-top:1px dashed var(--line);padding-top:16px;display:grid;gap:16px}
.optional>summary{font-weight:700;color:var(--blue);cursor:pointer}
.done{display:none;text-align:center;padding:20px 0}
.done.show{display:block}
.done .ok{width:72px;height:72px;border-radius:50%;background:#E3F6EA;color:var(--wa);display:grid;place-items:center;margin:0 auto 16px;font-size:36px}
.done h3{font-size:1.4rem;margin-bottom:8px}
.done .note2{background:#FFF7E6;border-radius:12px;padding:12px 14px;margin:16px auto;max-width:520px;color:#7A5300;font-size:.92rem;font-weight:600}

/* wizard modal */
.modal{position:fixed;inset:0;z-index:200;display:none;align-items:center;justify-content:center;padding:16px;background:rgba(6,22,48,.55);backdrop-filter:blur(4px)}
.modal.open{display:flex}
.mbox{background:#fff;border-radius:26px;width:min(760px,100%);max-height:calc(100vh - 32px);overflow:auto;position:relative;box-shadow:0 30px 80px rgba(0,0,0,.3)}
.mhead{position:sticky;top:0;background:#fff;z-index:2;padding:22px 28px 14px;border-bottom:1px solid var(--line)}
.mhead h2{font-size:1.4rem}.mhead p{font-size:.92rem}
.mclose{position:absolute;top:16px;right:16px;width:42px;height:42px;border-radius:50%;border:0;background:var(--soft);cursor:pointer;display:grid;place-items:center;font-size:20px;color:var(--navy);z-index:3}
.mbody{padding:22px 28px 28px}
.steps3{display:flex;gap:8px;margin-top:14px}
.steps3 i{flex:1;height:6px;border-radius:9px;background:var(--line)}
.steps3 i.on{background:linear-gradient(90deg,var(--blue),var(--navy2))}
.step{display:none}.step.on{display:grid;gap:16px}
.needs{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.needs label{cursor:pointer;position:relative}
.needs input{position:absolute;opacity:0;pointer-events:none}
.needs .nb{display:flex;flex-direction:column;align-items:center;gap:8px;text-align:center;padding:14px 8px;border:1.5px solid var(--line);border-radius:16px;font-weight:700;font-size:.85rem;color:var(--navy);transition:.15s;height:100%;line-height:1.25}
.needs .nb .ic{width:44px;height:44px;font-size:22px}
.needs input:checked+.nb{border-color:var(--navy);background:var(--soft);box-shadow:0 0 0 3px rgba(11,42,91,.12)}
.wnav{display:flex;justify-content:space-between;gap:12px;margin-top:6px}
.qs{display:none;gap:16px}.qs.on{display:grid}
.alt{font-size:.88rem;text-align:center;color:var(--muted)}.alt a{color:var(--blue);font-weight:700}

/* footer */
footer{background:#07193A;color:#AFC0DC;padding:64px 0 24px;margin-top:0}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr 1fr;gap:28px}
footer h4{color:#fff;font-size:.95rem;margin-bottom:14px}
footer ul{list-style:none;display:grid;gap:8px}
footer li a{font-size:.9rem;color:#AFC0DC}footer li a:hover{color:var(--gold)}
footer p{color:#AFC0DC;font-size:.9rem}
footer .brand b{color:#fff}footer .brand small{color:#8FA3C5}
.social{display:flex;gap:10px;margin-top:16px}
.social a{width:40px;height:40px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center;color:#fff;font-size:18px}
.social a:hover{background:var(--gold);color:var(--navy)}
.disc{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:22px;display:grid;gap:8px}
.disc p{font-size:.8rem;line-height:1.6;color:#8FA3C5}
.wa-float{position:fixed;right:18px;bottom:18px;z-index:60;width:58px;height:58px;border-radius:50%;background:var(--wa);display:grid;place-items:center;color:#fff;font-size:30px;box-shadow:0 10px 24px rgba(0,0,0,.25)}
.mbar{display:none}

/* contact + map */
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.cc{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;transition:.2s}
a.cc:hover{box-shadow:var(--sh);transform:translateY(-2px)}
.cc b{display:block;color:var(--navy)}.cc span{font-size:.9rem;color:var(--muted)}
.map{border-radius:var(--r);overflow:hidden;box-shadow:var(--sh);min-height:360px}
.map iframe{width:100%;height:100%;min-height:360px;border:0}

/* reveal */
.reveal{opacity:0;transform:translateY(22px);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}.fc{animation:none}html{scroll-behavior:auto}}

/* doc */
.doc{max-width:860px}.doc h2{font-size:1.3rem;margin:30px 0 10px}.doc p,.doc li{color:var(--muted);margin-bottom:10px}.doc ul{padding-left:20px}

/* responsive */
@media(max-width:1100px){
  .nav{position:fixed;inset:112px 0 0 0;background:#fff;flex-direction:column;align-items:stretch;padding:16px 20px 120px;gap:0;overflow:auto;visibility:hidden;opacity:0;transform:translateY(-8px);transition:opacity .25s,transform .25s,visibility .25s;border-top:1px solid var(--line)}
  .nav.open{visibility:visible;opacity:1;transform:none}
  .nav>a,.dd>a{padding:14px 6px;border-bottom:1px solid var(--line);border-radius:0;font-size:1.02rem;justify-content:space-between;width:100%}
  .dd-menu,.dd-menu.wide,.dd:hover .dd-menu,.dd:hover .dd-menu.wide{display:none;position:static;box-shadow:none;border:0;min-width:0;padding:4px 0 10px;grid-template-columns:1fr}
  .dd.open .dd-menu,.dd.open .dd-menu.wide{display:grid}
  .nav .btn{margin:18px 0 0}
  .burger{display:block}
  .burger.x span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}.burger.x span:nth-child(2){opacity:0}.burger.x span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
  footer .cols{grid-template-columns:1fr 1fr 1fr}
  footer .cols>div:first-child{grid-column:1/-1}
}
@media(max-width:960px){
  .cb,.cbf{grid-template-columns:1fr}
  .creds{grid-template-columns:1fr 1fr}
  section{padding:64px 0}
  .hero .wrap,.split,.about-s,.two{grid-template-columns:1fr}
  .photo{width:min(330px,82%)}
  .hero .photo{order:-1}
  .prod{grid-template-columns:repeat(2,1fr)}
  .vals,.cards3,.ctry{grid-template-columns:1fr 1fr}
  .shorts{grid-template-columns:repeat(2,1fr)}
  .boxes{grid-template-columns:1fr}
  .side{position:static}
  .tl3{grid-template-columns:1fr;gap:48px}.tl3:before{display:none}
  .needs{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:640px){
  .photo .blob{inset:6% 0 -2% 6%;transform:none}
  body{font-size:16.5px}
  .wrap{padding:0 16px}
  .topbar .tl{display:none}
  .topbar .wrap{padding:0}
  .topbar .qk{overflow-x:auto;padding:6px 12px;scrollbar-width:none;width:100%}
  .topbar .qk::-webkit-scrollbar{display:none}
  .topbar .qk a{font-size:.8rem}
  .brand b{font-size:.92rem}.brand small{font-size:.72rem}
  .logo{width:50px;height:36px;font-size:.75rem}
  header.top .wrap{height:66px}
  .nav{inset:104px 0 0 0}
  .hero{padding:28px 0 52px}
  .hero .photo{width:min(230px,62%)}
  .hero .wrap{gap:26px}
  .fc{display:none}
  .prod{grid-template-columns:1fr 1fr;gap:12px}
  .tile{padding:14px 12px;gap:8px}.tile p{display:none}.tile h3{font-size:.98rem}
  .tile .ic{width:44px;height:44px;font-size:22px}
  .tile .lk{gap:6px;flex-wrap:nowrap}.tile .lk a{padding:6px 8px;font-size:.74rem;white-space:nowrap}.tile .lk a svg{width:10px;height:10px}.tile .lk a.d svg{display:none}.tile .lk a{padding:5px 8px;font-size:.7rem}.tile .lk{gap:4px}
  .vals,.cards3,.ctry,.fit,.cgrid,.row2,.facts{grid-template-columns:1fr}
  .shorts{grid-template-columns:1fr 1fr;gap:12px}
  .phero .wrap{grid-template-columns:1fr}.phero .ic{width:60px;height:60px;font-size:30px}
  .band{padding:30px 22px;border-radius:22px}
  .btn{width:100%}
  .actions .btn{width:100%}
  .needs{grid-template-columns:repeat(2,1fr)}
  .mhead,.mbody{padding-left:18px;padding-right:18px}
  .fcard{padding:22px}
  footer .cols{grid-template-columns:1fr 1fr}
  .wa-float{display:none}
  .mbar.hide{transform:translateY(110%)}
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;padding:10px 12px calc(10px + env(safe-area-inset-bottom));box-shadow:0 -8px 24px rgba(11,42,91,.12)}
  .mbar .btn{padding:13px 8px;font-size:.92rem;white-space:nowrap;width:100%}
  body{padding-bottom:76px}
  .trust{grid-template-columns:1fr 1fr}
  .rating{width:100%}
}

/* tool cards */
.tool-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.tool-card{display:flex;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh);transition:.2s}
.tool-card:hover{transform:translateY(-3px);box-shadow:var(--sh-h)}
.tool-card h3{font-size:1.08rem;margin-bottom:6px}.tool-card p{font-size:.92rem;margin-bottom:10px}
.tool-card .go2{font-weight:800;color:var(--blue);font-size:.92rem}
.tool-card.tc-soon{opacity:.75}.tool-card.tc-soon:hover{transform:none}
@media(max-width:900px){.tool-cards{grid-template-columns:1fr}}

/* highlighted calculators link */
.topbar .qk a.hot{background:linear-gradient(90deg,#D4A017,#F2C94C,#D4A017);background-size:200% 100%;color:#0B2A5B;font-weight:800;animation:hotshine 3.5s linear infinite;box-shadow:0 0 0 0 rgba(212,160,23,.6)}
.topbar .qk a.hot svg{color:#0B2A5B}.topbar .qk a.hot:hover{filter:brightness(1.05)}
.newb{display:inline-block;margin-left:6px;background:#C8102E;color:#fff;font-size:.62rem;font-weight:800;letter-spacing:.04em;padding:2px 6px;border-radius:999px;line-height:1.3;vertical-align:middle}
.nav a.navcalc{color:#9A7300;font-weight:800}.nav a.navcalc .newb{background:#D4A017;color:#0B2A5B}
@keyframes hotshine{0%{background-position:0 0}100%{background-position:200% 0}}
@media (prefers-reduced-motion:reduce){.topbar .qk a.hot{animation:none}}
@media(max-width:1100px){.topbar .qk a.hot{order:-1}}

/* FFFS Shorts video cards + player */
button.sh{border:0;text-align:left;cursor:pointer;font:inherit;width:100%}
.shv{background:linear-gradient(180deg,rgba(11,42,91,.05) 20%,rgba(11,42,91,.92) 72%),var(--img) center/cover no-repeat,#0B2A5B}
.shv .hi{font-weight:700;color:#FFE7A3;margin-bottom:4px;font-family:var(--f),'Noto Sans Devanagari',sans-serif}
.shv .pl{background:#C8102E;width:52px;height:52px;box-shadow:0 6px 18px rgba(0,0,0,.3)}
.shv:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.vmodal{position:fixed;inset:0;background:rgba(5,14,30,.82);z-index:110;display:none;align-items:center;justify-content:center;padding:16px}
.vmodal.open{display:flex}
.vbox{background:#fff;border-radius:20px;padding:14px;width:min(400px,100%);max-height:96vh;overflow:auto;position:relative}
.vx{position:absolute;right:8px;top:4px;border:0;background:none;font-size:1.8rem;color:var(--muted);cursor:pointer;z-index:2}
.vframe{aspect-ratio:9/16;max-height:72vh;margin:28px auto 10px;border-radius:14px;overflow:hidden;background:#000}
.vframe iframe{width:100%;height:100%;border:0}
.vbox .vt{font-size:1rem;margin-bottom:10px}
.vact{display:grid;grid-template-columns:1fr 1fr;gap:8px}.vact .btn{justify-content:center;padding:11px 10px;font-size:.88rem}
.tool-cards>.tool-card:last-child:nth-child(odd){grid-column:1/-1}

/* v6.18 mobile header fix */
.brand>div{min-width:0}
.brand small{white-space:nowrap}
header.top .wrap{min-height:74px;height:auto}
@media(max-width:640px){
  header.top .wrap{height:auto;min-height:66px;padding-top:6px;padding-bottom:6px}
  .brand{gap:10px;min-width:0}
  .brand b{font-size:.9rem;line-height:1.2}
  .brand small{font-size:.7rem;display:block;margin-top:2px}
}
@media(max-width:400px){
  .brand .by{display:none}
  .brand b{font-size:.86rem}
  .logo{width:46px;height:34px}
}

/* v6.19 mobile fixes */
@media(max-width:1100px){
  header.top{backdrop-filter:none;-webkit-backdrop-filter:none;background:#fff}
  .nav{inset:auto 0 0 0;top:var(--hh,112px);height:auto}
}
@media(max-width:640px){
  .nav{top:var(--hh,67px)}
  .hero .photo{width:min(185px,52%)}
  .tool-card{flex-direction:column;align-items:flex-start!important;gap:12px}
  .tool-card .btn{width:100%;text-align:center}
  .tile .lk{flex-wrap:wrap}
}
@media(max-width:1100px){.nav .btn{justify-content:center}}

/* v6.19b: fixed header on mobile avoids Android Chrome toolbar sticky shift */
@media(max-width:1100px){header.top.fx{position:fixed;top:0;left:0;right:0}}

/* v6.21 mobile quick bar order + call pill */
.topbar .qk a.qcall{display:none}
@media(max-width:640px){
  .topbar .qk a.qcall{display:inline-flex}
  .topbar .qk a{order:6;flex:none}
  .topbar .qk a.hot{order:1}
  .topbar .qk a[data-book]{order:2}
  .topbar .qk a.qcall{order:3}
  .topbar .qk a.qg{order:4}
  .topbar .qk{padding-right:28px;-webkit-mask-image:linear-gradient(90deg,#000 88%,transparent);mask-image:linear-gradient(90deg,#000 88%,transparent)}
}

/* v6.22 hide header on scroll-down, show on scroll-up (mobile) */
@media(max-width:1100px){header.top{transition:box-shadow .2s,transform .25s}header.top.fx.hd{transform:translateY(-110%)}}

/* v6.24 mobile shorts cards: poster style, title only */
@media(max-width:640px){
  .shv{padding:12px;background:linear-gradient(180deg,rgba(11,42,91,0) 42%,rgba(6,22,52,.95) 84%),var(--img) center/cover no-repeat,#0B2A5B}
  .shv .pl{width:38px;height:38px;top:10px;right:10px;font-size:15px}
  .shv .pl svg{width:15px;height:15px}
  .shv .tk{font-size:.62rem;letter-spacing:.05em}
  .shv h3{font-size:.86rem;line-height:1.25;margin:3px 0 0;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
  .shv .hi,.shv>p:not(.hi){display:none}
}