/* ============================================================
   times2invest — V2 "Bright Wealth"
   Light · trustworthy · Fraunces serif + Manrope sans
   Finance skyline hero image · navy/red/green on near-white
   ============================================================ */

:root{
  --ink:#0C1730;
  --navy:#16294D;
  --navy2:#1F3A66;
  --red:#D12E3C;
  --red2:#B3242F;
  --green:#1B9E4B;
  --green2:#16823D;
  --bg:#F6F8FC;
  --surface:#FFFFFF;
  --line:#E6EBF2;
  --muted:#5A6473;
  --teal:#159B8E;
  --maxw:1180px;
  --radius:18px;
  --shadow:0 22px 60px rgba(12,23,48,.10);
  --shadow-sm:0 8px 24px rgba(12,23,48,.07);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Manrope",system-ui,-apple-system,sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--red);text-decoration:none}
a:hover{text-decoration:underline}

h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);margin:0 0 .5em;line-height:1.1;font-weight:600}
h1{font-size:clamp(2.6rem,5.2vw,4.1rem);font-weight:600;letter-spacing:-.5px}
h2{font-size:clamp(2rem,3.6vw,3rem);letter-spacing:-.4px}
h3{font-size:1.4rem}
p{margin:0 0 1rem}

.eyebrow{font-family:var(--sans);font-weight:700;font-size:.82rem;letter-spacing:2px;text-transform:uppercase;color:var(--red);display:inline-block;margin-bottom:1rem}
.eyebrow--light{color:var(--green)}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:96px 0}
.section--tint{background:var(--surface)}
.section--navy{background:var(--ink);color:#fff}
.section--navy h2,.section--navy h3{color:#fff}
.lead{font-size:1.2rem;color:var(--muted);max-width:62ch}
.section--navy .lead{color:#c4cee0}
.center{text-align:center}.center .lead{margin-inline:auto}
.head{max-width:64ch}.head--center{margin-inline:auto;text-align:center}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;cursor:pointer;font-family:var(--sans);font-weight:700;font-size:1rem;padding:15px 28px;border-radius:14px;border:1.5px solid transparent;transition:transform .18s ease,background .18s ease,box-shadow .18s ease;text-decoration:none}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn--primary{background:var(--red);color:#fff;box-shadow:0 10px 24px rgba(209,46,60,.28)}
.btn--primary:hover{background:var(--red2)}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:var(--navy2)}
.btn--wa{background:#25D366;color:#06310f}
.btn--wa:hover{background:#1fb457}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn--ghost:hover{background:#fff;color:var(--ink)}
.btn--light{background:#fff;color:var(--navy)}

/* Header */
.site-header{position:sticky;top:0;z-index:60;background:rgba(246,248,252,.86);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.site-header.scrolled{box-shadow:0 6px 22px rgba(12,23,48,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:82px}
.brand{display:flex;align-items:center;gap:13px}
.brand img{width:56px;height:56px}
.brand b{font-family:var(--serif);font-weight:600;font-size:1.5rem;color:var(--ink);line-height:1;display:block}
.brand span{font-family:var(--sans);font-size:.62rem;letter-spacing:1.5px;color:var(--green);font-weight:700}
.nav-links{display:flex;gap:32px;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink);font-weight:600;font-size:1rem}
.nav-links a:hover,.nav-links a.active{color:var(--red);text-decoration:none}
.nav-cta{display:flex;align-items:center;gap:14px}
.menu-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;transition:.2s}

/* Disclaimer ribbon (moving, slim navy) */
.ribbon{background:var(--navy);overflow:hidden;white-space:nowrap;border-bottom:1px solid rgba(255,255,255,.08)}
.ribbon-track{display:inline-flex;align-items:center;padding:9px 0;animation:ribbon 40s linear infinite;will-change:transform}
.ribbon:hover .ribbon-track{animation-play-state:paused}
.ribbon-item{font-size:.86rem;font-weight:600;color:#dbe6ff;margin-right:60px;display:inline-flex;align-items:center}
.ribbon-item::before{content:"●";color:var(--green);margin-right:10px;font-size:.6rem}
@keyframes ribbon{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* HERO with finance image */
.hero{position:relative;color:#fff;overflow:hidden;background:linear-gradient(150deg,#0C1730 0%,#16294D 62%,#1F3A66 100%)}
.hero::before{content:"";position:absolute;inset:0;background:url('../assets/hero-pattern.svg') center/cover no-repeat;pointer-events:none}
.hero .container{position:relative;z-index:1;padding-top:84px;padding-bottom:90px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero-inner{max-width:820px}
.hero-figure{display:flex;justify-content:center}
.hero-figure img{width:100%;max-width:500px;filter:drop-shadow(0 22px 50px rgba(0,0,0,.45))}
.hero h1{color:#fff;margin-bottom:.35em}
.hero h1 em{font-style:italic;color:#7be3ad;font-weight:600}
.hero-sub{font-size:1.22rem;color:#cdd7ea;max-width:52ch;margin-bottom:30px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-eyebrow{color:#7be3ad}
.hero-trust{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:28px;color:#aebbd6;font-size:.95rem}
.hero-trust span{display:inline-flex;align-items:center;gap:8px}
.hero-trust span::before{content:"✓";color:#7be3ad;font-weight:800}
/* hero verified card */
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(8px);border-radius:20px;padding:26px;text-align:center}
.hero-card .lg{width:120px;height:120px;margin:0 auto 14px;border-radius:50%;background:url('../assets/logo-circle.png') center/contain no-repeat;background-color:#fff;padding:6px}
.hero-card .nm{font-family:var(--serif);font-size:1.2rem;color:#fff;font-weight:600}
.hero-card .rl{color:#aebbd6;font-size:.9rem;margin-bottom:14px}
.hero-card .rows{text-align:left;font-size:.9rem}
.hero-card .rows div{display:flex;justify-content:space-between;gap:12px;padding:6px 0;border-top:1px solid rgba(255,255,255,.12);color:#c4cee0}
.hero-card .rows b{color:#fff}

/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:48px;align-items:center}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:transform .22s ease,box-shadow .22s ease;text-decoration:none;color:var(--ink);display:flex;flex-direction:column}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);text-decoration:none}
.card .ic{width:62px;height:62px;border-radius:16px;display:grid;place-items:center;background:var(--bg);margin-bottom:18px}
.card .ic img{width:40px;height:40px}
.card .tag{font-size:.74rem;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--green2);margin-bottom:8px}
.card h3{margin-bottom:6px}
.card p{color:var(--muted);font-size:.98rem;margin:0}
.card .go{margin-top:16px;font-weight:700;color:var(--red);font-size:.92rem}
.card .go i{font-style:normal;transition:transform .2s ease;display:inline-block}
.card:hover .go i{transform:translateX(5px)}
.card--dark{background:var(--ink);color:#fff;justify-content:center}.card--dark h3{color:#fff}.card--dark p{color:#c4cee0}

/* Process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:52px}
.step{position:relative;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:30px 26px;overflow:hidden;transition:transform .22s ease,border-color .22s ease,box-shadow .22s ease}
.step::after{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:linear-gradient(90deg,var(--green),#7be3ad);transform:scaleX(0);transform-origin:left;transition:transform .3s ease}
.step:hover{transform:translateY(-6px);border-color:rgba(123,227,173,.5);box-shadow:0 22px 46px rgba(0,0,0,.35)}
.step:hover::after{transform:scaleX(1)}
.step .n{display:inline-grid;place-items:center;width:54px;height:54px;border-radius:15px;background:rgba(54,196,126,.16);color:#7be3ad;font-family:var(--serif);font-weight:600;font-size:1.5rem;margin-bottom:18px}
.step h4{font-family:var(--serif);font-size:1.28rem;color:#fff;margin:0 0 8px}
.step p{color:#c4cee0;font-size:.96rem;margin:0}
/* steps on a light section (if used) */
.section--tint .step,.section:not(.section--navy) .step{background:var(--surface);border-color:var(--line);box-shadow:var(--shadow-sm)}
.section--tint .step h4,.section:not(.section--navy) .step h4{color:var(--ink)}
.section--tint .step p,.section:not(.section--navy) .step p{color:var(--muted)}
.section--tint .step .n,.section:not(.section--navy) .step .n{background:rgba(27,158,75,.12);color:var(--green2)}

/* Journey (5-step cards) */
.journey{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:48px}
.jcard{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:30px 20px;text-align:center;box-shadow:var(--shadow-sm);transition:transform .22s ease,box-shadow .22s ease}
.jcard:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.jcard .num{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;margin:0 auto 16px;color:#fff;font-weight:800;font-size:1.15rem}
.jcard:nth-child(1) .num{background:var(--navy)}
.jcard:nth-child(2) .num{background:var(--red)}
.jcard:nth-child(3) .num{background:var(--green)}
.jcard:nth-child(4) .num{background:var(--navy)}
.jcard:nth-child(5) .num{background:var(--red)}
.jcard h4{font-family:var(--serif);font-size:1.25rem;margin:0 0 8px}
.jcard p{color:var(--muted);font-size:.95rem;margin:0}

/* Feature rows */
.feature{display:flex;gap:14px;align-items:flex-start;margin-top:18px}
.feature .tk{flex:0 0 auto;width:28px;height:28px;border-radius:9px;background:rgba(27,158,75,.12);color:var(--green2);display:grid;place-items:center;font-weight:800}
.feature h4{font-family:var(--serif);margin:0 0 2px;font-size:1.08rem}
.feature p{margin:0;color:var(--muted);font-size:.96rem}

/* Compounding bars */
.bars{display:flex;align-items:flex-end;gap:24px;height:280px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm)}
.bar{flex:1;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;height:100%}
.bar .amt{font-weight:800;color:var(--navy);margin-bottom:8px}
.bar .col{width:100%;border-radius:10px 10px 0 0;background:linear-gradient(var(--navy),var(--navy2))}
.bar:nth-child(2) .col{background:linear-gradient(var(--green),var(--green2))}
.bar:nth-child(3) .col{background:linear-gradient(var(--red),var(--red2))}
.bar .yr{font-size:.84rem;color:var(--muted);margin-top:10px;text-align:center}
.note{font-size:.84rem;color:var(--muted)}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center;margin-top:48px}
.field{margin-bottom:26px}
.field label{display:flex;justify-content:space-between;align-items:baseline;font-weight:600;margin-bottom:12px}
.field label b{font-family:var(--serif);color:var(--red);font-size:1.2rem}
.field input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:7px;border-radius:6px;background:var(--line);outline:none}
.field input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--red);cursor:pointer;box-shadow:0 3px 8px rgba(209,46,60,.4)}
.field input[type=range]::-moz-range-thumb{width:24px;height:24px;border:0;border-radius:50%;background:var(--red);cursor:pointer}
.presets{display:flex;gap:9px;margin:0 0 12px;flex-wrap:wrap}
.preset{font-size:.85rem;font-weight:600;border:1.5px solid var(--line);background:#fff;color:var(--navy);border-radius:999px;padding:8px 16px;cursor:pointer;transition:.15s}
.preset:hover{border-color:var(--navy)}
.preset.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.result{background:linear-gradient(155deg,var(--navy),var(--ink));color:#fff;border-radius:var(--radius);padding:38px;box-shadow:var(--shadow);text-align:center}
.result .lbl{color:#aebbd6;font-size:.92rem;letter-spacing:.5px}
.result .big{font-family:var(--serif);font-weight:600;font-size:clamp(2.6rem,5.5vw,3.4rem);color:#7be3ad;margin:8px 0 4px}
.result .row{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.14);padding:14px 0;font-size:1rem}
.result .row span{color:#aebbd6}.result .row b{color:#fff}
.disc{font-size:.86rem;color:var(--muted)}.section--navy .disc{color:#aebbd6}

/* Why */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.why{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.why .k{font-size:.78rem;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--green2)}
.why h4{font-family:var(--serif);font-size:1.18rem;margin:8px 0 6px}
.why p{margin:0;color:var(--muted);font-size:.96rem}

/* License card (mirrors AMFI card) */
.lic{display:grid;grid-template-columns:1.4fr 1fr;gap:0;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin-top:44px}
.lic-main{padding:34px}
.lic-amfi{display:flex;align-items:center;gap:12px;margin-bottom:20px}
.lic-amfi .badge3{width:44px;height:44px;border-radius:8px;background:var(--teal);color:#fff;display:grid;place-items:center;font-family:var(--serif);font-weight:700;font-size:1.4rem}
.lic-amfi b{font-family:var(--serif);color:var(--teal);font-size:1.15rem}
.lic-rows{display:grid;grid-template-columns:auto 1fr;gap:10px 22px;font-size:1rem}
.lic-rows .l{color:var(--muted)}
.lic-rows .v{font-weight:600;color:var(--ink)}
.lic-side{background:var(--ink);color:#fff;padding:34px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.lic-side .lg{width:120px;height:120px;border-radius:50%;background:url('../assets/logo-circle.png') center/contain no-repeat #fff;padding:6px;margin-bottom:16px}
.lic-side p{color:#c4cee0;font-size:.95rem;margin:0}
.lic-foot{grid-column:1/-1;background:var(--teal);color:#fff;text-align:center;padding:12px;font-weight:700;letter-spacing:.5px}

/* FAQ */
.faq{max-width:820px;margin:40px auto 0}
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 0;font-family:var(--serif);font-weight:600;font-size:1.18rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--red);font-size:1.5rem;font-family:var(--sans)}
.faq details[open] summary::after{content:"–"}
.faq p{color:var(--muted);padding-bottom:18px;margin:0}

/* CTA */
.cta{background:linear-gradient(135deg,var(--red),#9e1f29);color:#fff;border-radius:26px;padding:62px;text-align:center}
.cta h2{color:#fff}.cta p{color:#ffdfe2;max-width:54ch;margin:0 auto 26px}
.cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* Compliance */
.compliance{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--red);border-radius:16px;padding:30px}
.compliance h4{font-family:var(--serif);margin:0 0 14px}
.compliance p{font-size:.92rem;color:var(--muted);margin:0 0 10px}
.compliance .risk{color:var(--ink);font-weight:700}

/* Page hero (sub-pages) */
.page-hero{position:relative;color:#fff;overflow:hidden;padding:96px 0 76px;background:linear-gradient(150deg,#0C1730 0%,#16294D 70%,#1F3A66 100%)}
.page-hero::before{content:"";position:absolute;inset:0;background:url('../assets/hero-pattern.svg') center/cover no-repeat;pointer-events:none}
.page-hero .container{position:relative;z-index:1}
.page-hero h1{color:#fff;font-size:clamp(2.4rem,4.8vw,3.6rem)}
.page-hero p{color:#cdd7ea;font-size:1.16rem;max-width:62ch}
.crumb{font-size:.82rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:#7be3ad;margin-bottom:16px}
.crumb a{color:#7be3ad}

/* Service detail rows */
.svc-row{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center;padding:54px 0;border-bottom:1px solid var(--line)}
.svc-row:last-of-type{border-bottom:0}
.svc-row .ic{width:66px;height:66px;border-radius:18px;background:var(--bg);display:grid;place-items:center;margin-bottom:18px}
.svc-row .ic img{width:42px;height:42px}
.svc-row .tag{font-size:.76rem;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--green2);display:block;margin-bottom:8px}
.svc-visual{background:linear-gradient(155deg,var(--navy),var(--ink));border-radius:var(--radius);min-height:230px;display:grid;place-items:center;padding:30px;text-align:center;box-shadow:var(--shadow-sm)}
.svc-visual .big{font-family:var(--serif);font-size:clamp(2rem,5vw,3rem);color:#7be3ad;font-weight:600}
.svc-visual .cap{color:#c4cee0;font-size:.95rem;margin-top:10px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.cline{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px}
.cline .ic{flex:0 0 auto;width:46px;height:46px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:1.1rem}
.cline b{display:block;font-family:var(--serif)}
.cline span,.cline a{color:var(--muted)}
.form{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow-sm)}
.form .f{margin-bottom:18px}
.form label{display:block;font-weight:600;margin-bottom:7px;font-size:.96rem}
.form .req{color:var(--red)}
.form input,.form select,.form textarea{width:100%;padding:14px;border:1.5px solid var(--line);border-radius:12px;font-family:var(--sans);font-size:1rem;background:#fff;color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(22,41,77,.12)}
.form textarea{min-height:120px;resize:vertical}
.form .two{display:grid;grid-template-columns:1fr 1fr;gap:16px}

/* Footer */
.footer{background:var(--ink);color:#aebbd6;padding:66px 0 28px;font-size:.95rem}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:32px}
.footer h4{font-family:var(--serif);font-size:1.05rem;color:#fff;margin-bottom:16px}
.footer ul{list-style:none;margin:0;padding:0}.footer li{margin-bottom:10px}
.footer a{color:#aebbd6}.footer a:hover{color:#fff}
.f-brand{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.f-brand img{width:48px;height:48px}.f-brand b{font-family:var(--serif);color:#fff;font-size:1.3rem}
.f-disc{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:22px;font-size:.82rem;color:#8593b0;line-height:1.7}
.f-disc b{color:#cdd7ea}
.f-bottom{text-align:center;margin-top:18px;font-size:.85rem;color:#7281a3}

/* Floating actions */
.fab{position:fixed;right:22px;z-index:80;width:58px;height:58px;border-radius:50%;display:grid;place-items:center;box-shadow:0 12px 28px rgba(0,0,0,.26);cursor:pointer;border:0;transition:transform .2s ease,opacity .3s ease}
.fab:hover{transform:translateY(-4px)}
.fab-wa{bottom:90px;background:#25D366}.fab-wa svg{width:30px;height:30px;fill:#fff}
.fab-top{bottom:22px;background:var(--navy);color:#fff;font-size:1.4rem;opacity:0;pointer-events:none}
.fab-top.show{opacity:1;pointer-events:auto}

/* Reveal */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.3,1)}
.reveal.in{opacity:1;transform:none}

/* Responsive */
@media(max-width:920px){
  .hero-grid,.grid-2,.calc,.contact-grid,.svc-row,.lic{grid-template-columns:1fr;gap:30px}
  .hero-card{max-width:420px}
  .grid-3,.why-grid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .journey{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-links{position:absolute;top:82px;left:0;right:0;flex-direction:column;gap:0;background:var(--bg);border-bottom:1px solid var(--line);padding:8px 24px 16px;display:none}
  .nav-links.open{display:flex}.nav-links li{padding:12px 0;border-bottom:1px solid var(--line)}
  .menu-toggle{display:block}
}
@media(max-width:560px){
  body{font-size:16px}.section{padding:64px 0}
  .grid-3,.why-grid,.steps,.journey,.footer-grid{grid-template-columns:1fr}
  .form .two{grid-template-columns:1fr}.cta{padding:38px 22px}
}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}