/* ==========================================================================
   خدمات بیمه‌ای نوروزی — Premium Insurance & Wealth Management
   Design system: Persian-first, RTL default, Light/Dark, FinTech luxury
   ========================================================================== */

@import url('https://cdn.jsdelivr.net/gh/rastikerdar/vazirmatn@v33.003/Vazirmatn-font-face.css');

/* ---------- Design Tokens : LIGHT (default) ---------- */
:root{
  --font-fa:'Vazirmatn', system-ui, -apple-system, 'Segoe UI', sans-serif;

  /* Brand */
  --trust-blue:#1e6be6;
  --medical-blue:#3b9dff;
  --blue-deep:#0f3d91;
  --emerald:#0fae7e;
  --mint:#5fe0b8;
  --gold:#d9a441;
  --gold-soft:#f0cf8a;
  --silver:#9aa7b8;

  /* Surfaces */
  --bg:#f4f8ff;
  --bg-soft:#eaf2ff;
  --surface:#ffffff;
  --surface-2:#f7faff;
  --glass:rgba(255,255,255,0.65);
  --glass-brd:rgba(255,255,255,0.85);

  /* Text */
  --text:#0e1b33;
  --text-muted:#5a6b86;
  --heading:#0b1730;

  --border:rgba(18,54,120,0.12);
  --shadow-sm:0 4px 16px rgba(19,64,150,0.08);
  --shadow-md:0 12px 40px rgba(19,64,150,0.12);
  --shadow-lg:0 24px 70px rgba(19,64,150,0.18);
  --shadow-gold:0 16px 44px rgba(217,164,65,0.28);

  --grad-hero:linear-gradient(135deg,#eaf3ff 0%,#f0fbf6 55%,#fff8ea 100%);
  --grad-primary:linear-gradient(135deg,#1e6be6 0%,#3b9dff 100%);
  --grad-emerald:linear-gradient(135deg,#0fae7e 0%,#5fe0b8 100%);
  --grad-gold:linear-gradient(135deg,#d9a441 0%,#f0cf8a 100%);
  --grad-text:linear-gradient(120deg,#1e6be6,#0fae7e);

  --radius:22px;
  --radius-lg:30px;
  --radius-sm:14px;
}

/* ---------- Design Tokens : DARK ---------- */
html.dark{
  --bg:#070d1c;
  --bg-soft:#0b1428;
  --surface:#0f1a33;
  --surface-2:#12203f;
  --glass:rgba(20,34,64,0.55);
  --glass-brd:rgba(120,160,220,0.16);

  --text:#dfe8fb;
  --text-muted:#93a4c4;
  --heading:#f2f6ff;

  --trust-blue:#4c93ff;
  --medical-blue:#63b0ff;
  --emerald:#25c894;
  --mint:#6fead0;
  --gold:#f0c469;
  --gold-soft:#f7dca0;

  --border:rgba(120,160,220,0.16);
  --shadow-sm:0 4px 16px rgba(0,0,0,0.35);
  --shadow-md:0 14px 44px rgba(0,0,0,0.45);
  --shadow-lg:0 26px 74px rgba(0,0,0,0.55);
  --shadow-gold:0 16px 48px rgba(240,196,105,0.22);

  --grad-hero:linear-gradient(135deg,#0a1428 0%,#0c1b34 55%,#12172b 100%);
  --grad-primary:linear-gradient(135deg,#2f7ff0 0%,#63b0ff 100%);
  --grad-emerald:linear-gradient(135deg,#0fae7e 0%,#25c894 100%);
  --grad-gold:linear-gradient(135deg,#d9a441 0%,#f0c469 100%);
  --grad-text:linear-gradient(120deg,#63b0ff,#25c894);
}

/* ---------- Base ---------- */
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font-fa);
  background:var(--bg);
  color:var(--text);
  line-height:1.85;
  overflow-x:hidden;
  transition:background .5s ease,color .5s ease;
}
html[dir="ltr"] body{line-height:1.7}
h1,h2,h3,h4{color:var(--heading);line-height:1.4;margin:0;font-weight:800}
p{margin:0}
a{text-decoration:none;color:inherit}
img{max-width:100%;height:auto;display:block}
ul{margin:0;padding:0;list-style:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}
section{position:relative}

.container{width:100%;max-width:1200px;margin:0 auto;padding:0 20px}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.82rem;font-weight:700;letter-spacing:.02em;
  color:var(--trust-blue);
  background:color-mix(in srgb,var(--trust-blue) 12%,transparent);
  padding:7px 16px;border-radius:999px;margin-bottom:18px;
}
.grad-text{
  background:var(--grad-text);-webkit-background-clip:text;background-clip:text;
  -webkit-text-fill-color:transparent;
}
.section{padding:clamp(56px,8vw,110px) 0}
.section-head{max-width:720px;margin:0 auto 52px;text-align:center}
.section-head h2{font-size:clamp(1.7rem,4.4vw,2.7rem);margin-bottom:14px}
.section-head p{color:var(--text-muted);font-size:1.02rem}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:14px 26px;border-radius:999px;font-weight:700;font-size:.98rem;
  transition:transform .25s cubic-bezier(.2,.8,.2,1),box-shadow .25s,filter .25s;
  white-space:nowrap;
}
.btn svg{width:19px;height:19px}
.btn-primary{background:var(--grad-primary);color:#fff;box-shadow:var(--shadow-md)}
.btn-primary:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.btn-gold{background:var(--grad-gold);color:#3a2606;box-shadow:var(--shadow-gold)}
.btn-gold:hover{transform:translateY(-3px);filter:brightness(1.05)}
.btn-emerald{background:var(--grad-emerald);color:#04241a;box-shadow:var(--shadow-md)}
.btn-emerald:hover{transform:translateY(-3px)}
.btn-ghost{
  background:var(--glass);color:var(--heading);
  border:1px solid var(--border);backdrop-filter:blur(12px);
}
.btn-ghost:hover{transform:translateY(-3px);box-shadow:var(--shadow-sm)}
.btn-lg{padding:17px 34px;font-size:1.05rem}
.btn-block{width:100%}

/* ---------- Glass card ---------- */
.glass{
  background:var(--glass);
  border:1px solid var(--glass-brd);
  backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);
  border-radius:var(--radius);
  box-shadow:var(--shadow-sm);
}
.card{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow-sm);
  transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s,border-color .35s;
}
.card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:color-mix(in srgb,var(--trust-blue) 30%,transparent)}

/* ==========================================================================
   HEADER
   ========================================================================== */
.header{
  position:fixed;top:0;inset-inline:0;z-index:60;
  transition:all .4s ease;
  padding:14px 0;
}
.header-inner{
  display:flex;align-items:center;gap:16px;
  background:var(--surface);border:1px solid var(--border);
  backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  border-radius:var(--radius);padding:10px 18px;box-shadow:var(--shadow-md);
  transition:all .4s ease;
}
.header.scrolled .header-inner{box-shadow:var(--shadow-md)}
.brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
.brand-mark{
  width:46px;height:46px;border-radius:14px;flex-shrink:0;
  background:var(--grad-primary);
  display:grid;place-items:center;color:#fff;box-shadow:var(--shadow-md);
  position:relative;overflow:hidden;
}
.brand-mark svg{width:26px;height:26px}
.brand-text{display:flex;flex-direction:column;line-height:1.3}
.brand-name{font-weight:800;font-size:1.05rem;color:var(--heading)}
.brand-sub{font-size:.68rem;color:var(--text-muted);font-weight:600}
.nav{display:none;align-items:center;gap:4px;margin-inline-start:auto}
.nav a{
  padding:9px 14px;border-radius:12px;font-weight:600;font-size:.92rem;
  color:var(--text-muted);transition:all .25s;position:relative;
}
.nav a:hover{color:var(--trust-blue);background:color-mix(in srgb,var(--trust-blue) 9%,transparent)}
.header-actions{display:flex;align-items:center;gap:8px;margin-inline-start:auto}

.icon-btn{
  width:42px;height:42px;border-radius:12px;display:grid;place-items:center;
  background:var(--surface-2);border:1px solid var(--border);color:var(--text);
  transition:all .25s;flex-shrink:0;
}
.icon-btn:hover{color:var(--trust-blue);transform:translateY(-2px);box-shadow:var(--shadow-sm)}
.icon-btn svg{width:20px;height:20px}

.lang-toggle{
  display:flex;background:var(--surface-2);border:1px solid var(--border);
  border-radius:12px;padding:3px;flex-shrink:0;
}
.lang-toggle button{
  padding:7px 12px;border-radius:9px;font-weight:700;font-size:.82rem;
  color:var(--text-muted);transition:all .25s;
}
.lang-toggle button.active{background:var(--grad-primary);color:#fff;box-shadow:var(--shadow-sm)}

.header-cta{display:none}
.burger{display:grid}

/* theme toggle */
.theme-toggle svg.sun{display:none}
.theme-toggle svg.moon{display:block}
html.dark .theme-toggle svg.sun{display:block}
html.dark .theme-toggle svg.moon{display:none}

/* Mobile drawer */
.drawer-backdrop{
  position:fixed;inset:0;z-index:70;background:rgba(6,14,30,.5);
  backdrop-filter:blur(4px);display:none;
}
.drawer-backdrop.open{display:block}
.drawer{
  position:fixed;top:0;inset-inline-end:0;height:100%;width:min(86vw,360px);z-index:80;
  background:var(--surface);border-inline-start:1px solid var(--border);
  box-shadow:var(--shadow-lg);padding:22px;
  display:none;flex-direction:column;gap:8px;overflow-y:auto;
}
.drawer.open{display:flex}
.drawer-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:12px}
.drawer a{
  padding:14px 16px;border-radius:14px;font-weight:600;color:var(--text);
  display:flex;align-items:center;gap:12px;transition:all .25s;
}
.drawer a:hover{background:var(--surface-2);color:var(--trust-blue)}
.drawer-cta{margin-top:14px;display:flex;flex-direction:column;gap:10px}

/* ==========================================================================
   HERO
   ========================================================================== */
.hero{
  padding-top:130px;padding-bottom:60px;
  background:var(--grad-hero);position:relative;overflow:hidden;
}
.hero-blob{position:absolute;border-radius:50%;filter:blur(70px);opacity:.5;z-index:0;pointer-events:none}
.hero-blob.b1{width:420px;height:420px;background:radial-gradient(circle,var(--medical-blue),transparent 70%);top:-120px;inset-inline-end:-80px;animation:float 9s ease-in-out infinite}
.hero-blob.b2{width:360px;height:360px;background:radial-gradient(circle,var(--mint),transparent 70%);bottom:-100px;inset-inline-start:-60px;animation:float 11s ease-in-out infinite reverse}
.hero-blob.b3{width:260px;height:260px;background:radial-gradient(circle,var(--gold-soft),transparent 70%);top:40%;inset-inline-start:40%;animation:float 13s ease-in-out infinite}
.hero-grid{display:grid;grid-template-columns:1fr;gap:44px;align-items:center;position:relative;z-index:2}
.hero h1{font-size:clamp(2rem,6.5vw,3.4rem);margin-bottom:20px;font-weight:900}
.hero .lead{font-size:clamp(1rem,2.4vw,1.16rem);color:var(--text-muted);margin-bottom:30px;max-width:620px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:34px}
.hero-badges{display:flex;flex-wrap:wrap;gap:12px}
.hero-badge{
  display:flex;align-items:center;gap:9px;font-size:.86rem;font-weight:600;color:var(--text);
  background:var(--glass);border:1px solid var(--glass-brd);
  padding:9px 15px;border-radius:999px;backdrop-filter:blur(10px);
}
.hero-badge svg{width:18px;height:18px;color:var(--emerald)}

/* hero visual */
.hero-visual{position:relative}
.hero-card-main{
  padding:26px;border-radius:var(--radius-lg);
  background:var(--glass);border:1px solid var(--glass-brd);
  backdrop-filter:blur(20px);box-shadow:var(--shadow-lg);
}
.hero-illust{
  width:100%;height:auto;border-radius:var(--radius);object-fit:cover;
  aspect-ratio:16/11;
}
.float-chip{
  position:absolute;display:flex;align-items:center;gap:11px;
  background:var(--surface);border:1px solid var(--border);
  border-radius:16px;padding:12px 16px;box-shadow:var(--shadow-md);
}
.float-chip .fc-ic{width:40px;height:40px;border-radius:11px;display:grid;place-items:center;color:#fff;flex-shrink:0}
.float-chip .fc-ic svg{width:22px;height:22px}
.float-chip small{display:block;color:var(--text-muted);font-size:.72rem;font-weight:600}
.float-chip b{font-size:1.05rem;color:var(--heading)}
.chip-1{top:-22px;inset-inline-start:-14px;animation:float 6s ease-in-out infinite}
.chip-2{bottom:-24px;inset-inline-end:-10px;animation:float 7.5s ease-in-out infinite reverse}

.hero-stats{
  display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:40px;position:relative;z-index:2;
}
.hero-stat{
  text-align:center;padding:18px 12px;border-radius:var(--radius-sm);
  background:var(--glass);border:1px solid var(--glass-brd);backdrop-filter:blur(12px);
}
.hero-stat b{display:block;font-size:clamp(1.4rem,4vw,1.9rem);font-weight:900;color:var(--trust-blue)}
.hero-stat span{font-size:.78rem;color:var(--text-muted);font-weight:600}

/* ==========================================================================
   WHY / feature grids
   ========================================================================== */
.grid-auto{display:grid;grid-template-columns:1fr;gap:20px}
.feature{padding:28px}
.feature .ic{
  width:58px;height:58px;border-radius:16px;display:grid;place-items:center;color:#fff;margin-bottom:18px;box-shadow:var(--shadow-sm);
}
.feature .ic svg{width:28px;height:28px}
.feature h3{font-size:1.18rem;margin-bottom:10px}
.feature p{color:var(--text-muted);font-size:.95rem}
.ic-blue{background:var(--grad-primary)}
.ic-emerald{background:var(--grad-emerald)}
.ic-gold{background:var(--grad-gold);color:#3a2606!important}
.ic-silver{background:linear-gradient(135deg,#9aa7b8,#cdd6e2);color:#243044!important}

/* ---------- Insurance categories (expanding) ---------- */
.cat{overflow:hidden;padding:0}
.cat-head{
  display:flex;align-items:center;gap:16px;padding:24px 26px;cursor:pointer;width:100%;text-align:start;
}
.cat-head .ic{width:54px;height:54px;border-radius:15px;display:grid;place-items:center;color:#fff;flex-shrink:0}
.cat-head .ic svg{width:26px;height:26px}
.cat-head .cat-title{flex:1}
.cat-head h3{font-size:1.15rem;margin-bottom:3px}
.cat-head p{font-size:.85rem;color:var(--text-muted)}
.cat-head .chev{transition:transform .35s;color:var(--text-muted);flex-shrink:0}
.cat-head .chev svg{width:22px;height:22px}
.cat.open .chev{transform:rotate(180deg)}
.cat-body{max-height:0;overflow:hidden;transition:max-height .45s ease}
.cat-body-inner{padding:0 26px 24px}
.cat-list{display:grid;grid-template-columns:1fr;gap:10px}
.cat-list li{
  display:flex;align-items:center;gap:10px;font-size:.92rem;color:var(--text);
  padding:11px 14px;background:var(--surface-2);border-radius:12px;border:1px solid var(--border);
}
.cat-list li svg{width:17px;height:17px;color:var(--emerald);flex-shrink:0}

/* ==========================================================================
   MIDDLE EAST LIFE — centerpiece
   ========================================================================== */
.life{background:var(--grad-hero);overflow:hidden}
.life-grid{display:grid;grid-template-columns:1fr;gap:40px;align-items:start}
.life h2{font-size:clamp(1.8rem,5vw,2.8rem);margin-bottom:18px}
.life .lead{color:var(--text-muted);font-size:1.05rem;margin-bottom:26px}
.life-points{display:grid;grid-template-columns:1fr;gap:14px;margin-bottom:28px}
.life-point{display:flex;gap:14px;align-items:flex-start}
.life-point .ic{width:46px;height:46px;border-radius:13px;display:grid;place-items:center;color:#fff;flex-shrink:0}
.life-point .ic svg{width:22px;height:22px}
.life-point h4{font-size:1.02rem;margin-bottom:3px}
.life-point p{font-size:.88rem;color:var(--text-muted)}
.life-visual{position:relative}
.life-img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);aspect-ratio:4/5;object-fit:cover;width:100%}

/* growth chart */
.growth-card{
  padding:22px;border-radius:var(--radius);background:var(--surface);
  border:1px solid var(--border);box-shadow:var(--shadow-md);
}
.growth-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px}
.growth-head b{color:var(--emerald);font-size:1.3rem}
.bars{display:flex;align-items:flex-end;gap:10px;height:130px}
.bar{flex:1;border-radius:10px 10px 4px 4px;background:var(--grad-emerald);opacity:.85;transition:height 1.2s cubic-bezier(.2,.8,.2,1);align-self:flex-end;height:0}
.bar:nth-child(odd){background:var(--grad-primary)}

/* life visual info items */
.life-visual-info{display:grid;gap:12px;margin-top:16px}
.lvi-item{
  display:flex;align-items:center;gap:13px;
  padding:14px 16px;border-radius:var(--radius-sm);
  background:var(--surface);border:1px solid var(--border);box-shadow:var(--shadow-sm);
}
.lvi-item .lvi-ic{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;color:#fff;flex-shrink:0}
.lvi-item .lvi-ic svg{width:22px;height:22px}
.lvi-item small{display:block;color:var(--text-muted);font-size:.76rem;font-weight:600}
.lvi-item b{font-size:1rem;color:var(--heading)}

/* ==========================================================================
   GOLD / SILVER investment
   ========================================================================== */
.invest-gold{
  background:
    radial-gradient(circle at 80% 0%,color-mix(in srgb,var(--gold) 22%,transparent),transparent 55%),
    var(--bg);
}
.invest-silver{
  background:
    radial-gradient(circle at 20% 0%,color-mix(in srgb,var(--silver) 26%,transparent),transparent 55%),
    var(--bg);
}
.invest-grid{display:grid;grid-template-columns:1fr;gap:36px;align-items:start}
.invest-col h2{font-size:clamp(1.7rem,4.6vw,2.6rem);margin-bottom:16px}
.invest-col .lead{color:var(--text-muted);margin-bottom:24px}
.pros-cons{display:grid;grid-template-columns:1fr;gap:18px}
.pc-card{padding:22px;border-radius:var(--radius)}
.pc-card h4{display:flex;align-items:center;gap:10px;margin-bottom:14px;font-size:1.05rem}
.pc-card h4 svg{width:22px;height:22px}
.pc-card.bad{background:color-mix(in srgb,var(--gold) 8%,var(--surface));border:1px solid var(--border)}
.pc-card.good{background:color-mix(in srgb,var(--emerald) 10%,var(--surface));border:1px solid color-mix(in srgb,var(--emerald) 24%,transparent)}
.pc-card ul{display:grid;gap:10px}
.pc-card li{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--text)}
.pc-card li svg{width:17px;height:17px;flex-shrink:0;margin-top:5px}
.pc-card.bad li svg{color:#e0803a}
.pc-card.good li svg{color:var(--emerald)}
.gold-badge-ic{color:var(--gold)}
.gold-visual img,.silver-visual img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);aspect-ratio:1/1;object-fit:cover;width:100%}

.feature-mini{display:grid;grid-template-columns:1fr;gap:14px;margin-top:6px}
.fmini{display:flex;gap:13px;align-items:flex-start;padding:16px;border-radius:var(--radius-sm);background:var(--surface);border:1px solid var(--border)}
.fmini .ic{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;flex-shrink:0}
.fmini .ic svg{width:21px;height:21px}
.fmini h4{font-size:.98rem;margin-bottom:2px}
.fmini p{font-size:.83rem;color:var(--text-muted)}

/* ==========================================================================
   RETIREMENT
   ========================================================================== */
.retire-cards{display:grid;grid-template-columns:1fr;gap:20px}
.retire-card{padding:30px;position:relative;overflow:hidden}
.retire-card .ic{width:56px;height:56px;border-radius:16px;display:grid;place-items:center;color:#fff;margin-bottom:18px}
.retire-card .ic svg{width:28px;height:28px}
.retire-card h3{font-size:1.25rem;margin-bottom:10px}
.retire-card p{color:var(--text-muted);font-size:.94rem;margin-bottom:16px}
.retire-card .rc-list{display:grid;gap:9px}
.retire-card .rc-list li{display:flex;gap:9px;font-size:.88rem;color:var(--text)}
.retire-card .rc-list svg{width:17px;height:17px;color:var(--emerald);flex-shrink:0;margin-top:5px}

/* ==========================================================================
   STATS counters
   ========================================================================== */
.stats{
  background:var(--grad-primary);position:relative;overflow:hidden;
}
.stats::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 20% 20%,rgba(255,255,255,.18),transparent 45%),radial-gradient(circle at 85% 80%,rgba(15,174,126,.35),transparent 45%)}
.stats .container{position:relative;z-index:2}
.stats .section-head h2,.stats .section-head p{color:#fff}
.stats .section-head p{opacity:.85}
.stats-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.stat-box{
  text-align:center;padding:28px 16px;border-radius:var(--radius);
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(12px);
}
.stat-box .ic{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;margin:0 auto 14px;background:rgba(255,255,255,.18);color:#fff}
.stat-box .ic svg{width:26px;height:26px}
.stat-box b{display:block;font-size:clamp(1.9rem,6vw,2.8rem);font-weight:900;color:#fff;line-height:1}
.stat-box span{color:rgba(255,255,255,.85);font-size:.88rem;font-weight:600;margin-top:8px;display:block}

/* ==========================================================================
   WHY CHOOSE US
   ========================================================================== */
.choose-grid{display:grid;grid-template-columns:1fr;gap:18px}
.choose{display:flex;gap:16px;align-items:flex-start;padding:24px}
.choose .ic{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;color:#fff;flex-shrink:0}
.choose .ic svg{width:26px;height:26px}
.choose h3{font-size:1.08rem;margin-bottom:6px}
.choose p{color:var(--text-muted);font-size:.9rem}

/* ==========================================================================
   TESTIMONIALS
   ========================================================================== */
.tst-viewport{overflow:hidden;padding:8px 4px}
.tst-track{display:flex;transition:transform .6s cubic-bezier(.2,.8,.2,1)}
.tst-slide{min-width:100%;padding:0 6px}
.tst-card{padding:32px 28px}
.tst-stars{display:flex;gap:4px;color:var(--gold);margin-bottom:16px}
.tst-stars svg{width:20px;height:20px}
.tst-quote{font-size:1.05rem;color:var(--text);margin-bottom:22px;line-height:2}
.tst-person{display:flex;align-items:center;gap:14px}
.tst-avatar{width:54px;height:54px;border-radius:50%;object-fit:cover;border:2px solid var(--glass-brd)}
.tst-person b{display:block;color:var(--heading);font-size:1rem}
.tst-person span{color:var(--text-muted);font-size:.84rem}
.tst-nav{display:flex;justify-content:center;gap:10px;margin-top:26px;align-items:center}
.tst-dots{display:flex;gap:8px}
.tst-dot{width:9px;height:9px;border-radius:50%;background:var(--border);transition:all .3s;cursor:pointer}
.tst-dot.active{width:26px;border-radius:999px;background:var(--grad-primary)}

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq-wrap{max-width:820px;margin:0 auto;display:grid;gap:14px}
.faq{overflow:hidden}
.faq-q{
  width:100%;display:flex;align-items:center;gap:14px;padding:20px 24px;text-align:start;
  font-weight:700;font-size:1rem;color:var(--heading);
}
.faq-q .qmark{width:34px;height:34px;border-radius:10px;background:color-mix(in srgb,var(--trust-blue) 12%,transparent);color:var(--trust-blue);display:grid;place-items:center;flex-shrink:0;font-weight:800}
.faq-q .chev{margin-inline-start:auto;transition:transform .35s;color:var(--text-muted);flex-shrink:0}
.faq-q .chev svg{width:22px;height:22px}
.faq.open .chev{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease}
.faq-a p{padding:0 24px 22px 72px;color:var(--text-muted);font-size:.94rem}
html[dir="ltr"] .faq-a p{padding:0 72px 22px 24px}

/* ==========================================================================
   FINAL CTA
   ========================================================================== */
.final-cta{padding:clamp(56px,8vw,100px) 0}
.final-cta-inner{
  position:relative;overflow:hidden;border-radius:var(--radius-lg);
  padding:clamp(40px,7vw,72px) clamp(24px,5vw,60px);text-align:center;
  background:var(--grad-primary);box-shadow:var(--shadow-lg);
}
.final-cta-inner::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 15% 15%,rgba(240,207,138,.4),transparent 40%),radial-gradient(circle at 85% 85%,rgba(95,224,184,.35),transparent 40%)}
.final-cta-inner>*{position:relative;z-index:2}
.final-cta-inner h2{color:#fff;font-size:clamp(1.7rem,5vw,2.7rem);margin-bottom:16px}
.final-cta-inner p{color:rgba(255,255,255,.9);font-size:1.08rem;margin-bottom:30px;max-width:600px;margin-inline:auto}
.final-cta-ctas{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}

/* ==========================================================================
   CONTACT
   ========================================================================== */
.contact-grid{display:grid;grid-template-columns:1fr;gap:26px}
.contact-list{display:grid;gap:14px}
.contact-item{display:flex;align-items:center;gap:15px;padding:18px 20px}
.contact-item .ic{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;color:#fff;flex-shrink:0}
.contact-item .ic svg{width:24px;height:24px}
.contact-item small{display:block;color:var(--text-muted);font-size:.78rem;font-weight:600}
.contact-item b{color:var(--heading);font-size:1rem;direction:ltr;unicode-bidi:plaintext}
html[dir="rtl"] .contact-item b{text-align:right}
.form-card{padding:30px}
.form-row{display:grid;grid-template-columns:1fr;gap:14px}
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:14px}
.field label{font-size:.86rem;font-weight:600;color:var(--text)}
.field input,.field select,.field textarea{
  padding:13px 16px;border-radius:13px;border:1px solid var(--border);
  background:var(--surface-2);color:var(--text);font-family:inherit;font-size:.95rem;
  transition:all .25s;width:100%;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--trust-blue);box-shadow:0 0 0 4px color-mix(in srgb,var(--trust-blue) 14%,transparent);
}
.field textarea{resize:vertical;min-height:110px}
.form-note{font-size:.82rem;color:var(--text-muted);margin-top:10px;text-align:center}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.footer{background:var(--surface);border-top:1px solid var(--border);padding-top:56px}
.footer-grid{display:grid;grid-template-columns:1fr;gap:34px;padding-bottom:40px}
.footer-brand p{color:var(--text-muted);font-size:.9rem;margin:16px 0}
.footer-social{display:flex;gap:10px}
.footer-social a{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:var(--surface-2);border:1px solid var(--border);color:var(--text);transition:all .25s}
.footer-social a:hover{background:var(--grad-primary);color:#fff;transform:translateY(-3px)}
.footer-social svg{width:20px;height:20px}
.footer-col h4{font-size:1rem;margin-bottom:18px}
.footer-col a{display:block;color:var(--text-muted);font-size:.9rem;padding:6px 0;transition:all .25s}
.footer-col a:hover{color:var(--trust-blue);padding-inline-start:6px}
.footer-bottom{border-top:1px solid var(--border);padding:22px 0;text-align:center;color:var(--text-muted);font-size:.85rem}

/* ==========================================================================
   FLOATING & STICKY MOBILE
   ========================================================================== */
.float-wa{
  position:fixed;inset-inline-end:18px;bottom:92px;z-index:55;
  width:58px;height:58px;border-radius:50%;display:grid;place-items:center;
  background:#25d366;color:#fff;box-shadow:0 10px 30px rgba(37,211,102,.45);
  animation:pulse 2.4s infinite;
}
.float-wa svg{width:30px;height:30px}
.mobile-bar{
  position:fixed;inset-inline:0;bottom:0;z-index:54;
  display:flex;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));
  background:var(--glass);border-top:1px solid var(--glass-brd);
  backdrop-filter:blur(20px);box-shadow:0 -6px 24px rgba(19,64,150,.1);
}
.mobile-bar .btn{flex:1;padding:13px}
.scrolltop{
  position:fixed;inset-inline-end:18px;bottom:160px;z-index:53;
  width:46px;height:46px;border-radius:12px;display:grid;place-items:center;
  background:var(--surface);border:1px solid var(--border);color:var(--text);
  box-shadow:var(--shadow-md);opacity:0;visibility:hidden;transition:all .3s;
}
.scrolltop.show{opacity:1;visibility:visible}
.scrolltop svg{width:22px;height:22px}

/* ==========================================================================
   ANIMATIONS
   ========================================================================== */
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-18px)}}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(37,211,102,.5)}70%{box-shadow:0 0 0 16px rgba(37,211,102,0)}100%{box-shadow:0 0 0 0 rgba(37,211,102,0)}}
/* Only hide reveal elements when JS is active — fallback shows content if JS fails */
html.js .reveal{opacity:0;transform:translateY(38px);transition:opacity .8s cubic-bezier(.2,.8,.2,1),transform .8s cubic-bezier(.2,.8,.2,1)}
html.js .reveal.in{opacity:1;transform:none}
.reveal{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}
.reveal.d2{transition-delay:.16s}
.reveal.d3{transition-delay:.24s}
.reveal.d4{transition-delay:.32s}

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media(min-width:640px){
  .grid-auto{grid-template-columns:repeat(2,1fr)}
  .cat-list{grid-template-columns:repeat(2,1fr)}
  .hero-stats{grid-template-columns:repeat(4,1fr)}
  .life-points{grid-template-columns:repeat(2,1fr)}
  .pros-cons{grid-template-columns:repeat(2,1fr)}
  .feature-mini{grid-template-columns:repeat(2,1fr)}
  .retire-cards{grid-template-columns:repeat(2,1fr)}
  .stats-grid{grid-template-columns:repeat(4,1fr)}
  .choose-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:2fr 1fr 1fr}
  .form-row{grid-template-columns:repeat(2,1fr)}
  .invest-grid{grid-template-columns:1fr 1fr}
}
@media(min-width:960px){
  .nav{display:flex}
  .header-cta{display:inline-flex}
  .burger{display:none}
  .grid-auto.cols-3{grid-template-columns:repeat(3,1fr)}
  .hero-grid{grid-template-columns:1.05fr .95fr}
  .life-grid{grid-template-columns:1fr 1fr}
  .choose-grid{grid-template-columns:repeat(3,1fr)}
  .contact-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:2fr 1fr 1fr 1fr}
  .mobile-bar{display:none}
  .float-wa{bottom:24px}
  .scrolltop{bottom:92px}
  .retire-cards{grid-template-columns:repeat(2,1fr)}
}
@media(min-width:1100px){
  .grid-auto.cols-4{grid-template-columns:repeat(4,1fr)}
}

@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}