/* ============================================================
   Annabel Ong — Prudential Wealth Planner
   Design system v1 · site.css
   ============================================================ */

:root {
  --red: #ED1B2E;
  --red-dark: #C4121F;
  --red-soft: #FDECEE;
  --ink: #1A1B25;
  --ink-2: #43485C;
  --ink-3: #6E7387;
  --line: #E7E8EF;
  --bg: #FFFFFF;
  --bg-soft: #F7F7FA;
  --bg-dark: #14151D;
  --white: #FFFFFF;
  --gold: #B98A2F;
  --radius: 16px;
  --radius-lg: 24px;
  --shadow-sm: 0 1px 3px rgba(20, 21, 29, .06), 0 4px 14px rgba(20, 21, 29, .05);
  --shadow-md: 0 6px 24px rgba(20, 21, 29, .10);
  --shadow-lg: 0 20px 50px rgba(20, 21, 29, .16);
  --font: 'Outfit', system-ui, -apple-system, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font);
  color: var(--ink-2);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16px;
}
img { max-width: 100%; display: block; }
a { color: inherit; }

h1, h2, h3, h4 { color: var(--ink); line-height: 1.2; font-weight: 700; letter-spacing: -.02em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.3rem); }
h3 { font-size: 1.25rem; }

.container { width: min(1140px, 92%); margin: 0 auto; }
.section { padding: 84px 0; }
.section-soft { background: var(--bg-soft); }
.section-dark { background: var(--bg-dark); }
.section-dark h2, .section-dark h3 { color: var(--white); }
.section-dark p { color: rgba(255, 255, 255, .72); }

.kicker {
  display: inline-block;
  color: var(--red);
  font-weight: 700;
  font-size: .82rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.section-head { max-width: 640px; margin: 0 auto 48px; text-align: center; }
.section-head p { margin-top: 12px; color: var(--ink-3); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-family: var(--font);
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-primary { background: var(--red); color: var(--white); box-shadow: 0 8px 20px rgba(237, 27, 46, .3); }
.btn-primary:hover { background: var(--red-dark); }
.btn-outline { border-color: var(--line); color: var(--ink); background: var(--white); }
.btn-outline:hover { border-color: var(--ink); }
.btn-ghost-light { border-color: rgba(255, 255, 255, .45); color: var(--white); background: rgba(255, 255, 255, .08); }
.btn-ghost-light:hover { background: rgba(255, 255, 255, .18); }
.btn-whatsapp { background: #23A455; color: var(--white); box-shadow: 0 8px 20px rgba(35, 164, 85, .3); }
.btn-whatsapp:hover { background: #1D8A47; }
.btn[disabled], .btn.disabled { opacity: .45; cursor: not-allowed; transform: none !important; box-shadow: none; }

/* ---------- Navbar ---------- */
.navbar {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 1000;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: 72px;
}
.nav-logo img { height: 34px; width: auto; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
}
.nav-links > li > a {
  display: block;
  padding: 10px 14px;
  border-radius: 10px;
  text-decoration: none;
  color: var(--ink-2);
  font-weight: 500;
  font-size: .98rem;
  transition: color .15s, background .15s;
}
.nav-links > li > a:hover { color: var(--red); background: var(--red-soft); }
.nav-links > li > a.active { color: var(--red); font-weight: 600; }
.nav-cta { margin-left: 8px; padding: 11px 22px !important; background: var(--red); color: var(--white) !important; border-radius: 999px; font-weight: 600 !important; }
.nav-cta:hover { background: var(--red-dark) !important; }

/* Dropdown */
.nav-drop { position: relative; }
.nav-drop > a::after { content: " ▾"; font-size: .75em; }
.drop-panel {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  visibility: hidden;
  opacity: 0;
  display: grid;
  grid-template-columns: repeat(3, 200px);
  gap: 22px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 24px;
  transition: all .22s cubic-bezier(.16, 1, .3, 1);
}
.nav-drop:hover .drop-panel,
.nav-drop:focus-within .drop-panel { visibility: visible; opacity: 1; transform: translateX(-50%) translateY(0); }
.drop-group strong {
  display: block;
  font-size: .78rem;
  color: var(--ink-3);
  text-transform: uppercase;
  letter-spacing: .1em;
  padding-bottom: 8px;
  margin-bottom: 6px;
  border-bottom: 1px solid var(--line);
}
.drop-group a {
  display: block;
  padding: 7px 0;
  font-size: .93rem;
  color: var(--ink-2);
  text-decoration: none;
  transition: color .12s, padding-left .12s;
}
.drop-group a:hover { color: var(--red); padding-left: 4px; }
.drop-group .drop-all { color: var(--red); font-weight: 600; margin-top: 4px; }

/* Mobile nav */
.nav-toggle {
  display: none;
  background: none;
  border: 0;
  cursor: pointer;
  padding: 8px;
}
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px 0; border-radius: 2px; transition: .25s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 992px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 18px 6%;
    overflow-y: auto;
    transform: translateX(100%);
    transition: transform .28s ease;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-links > li > a { padding: 15px 8px; font-size: 1.08rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav-cta { margin: 18px 0 0; text-align: center; border-radius: 999px !important; border-bottom: 0 !important; }
  .drop-panel {
    position: static;
    transform: none;
    visibility: visible;
    opacity: 1;
    display: none;
    grid-template-columns: 1fr;
    box-shadow: none;
    border: 0;
    padding: 6px 8px 14px;
    gap: 16px;
  }
  .nav-drop.open .drop-panel { display: grid; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  padding: 140px 0 90px;
  background: var(--bg-dark);
  overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; opacity: .38; }
.hero-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(115deg, rgba(20, 21, 29, .92) 20%, rgba(237, 27, 46, .28) 130%);
}
.hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.2fr .8fr; gap: 56px; align-items: center; }
.hero h1 { color: var(--white); margin: 14px 0 18px; }
.hero h1 .accent { color: var(--red); }
.hero p.lead { color: rgba(255, 255, 255, .8); font-size: 1.15rem; max-width: 520px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, .1);
  border: 1px solid rgba(255, 255, 255, .2);
  color: rgba(255, 255, 255, .85);
  font-size: .85rem;
  font-weight: 500;
  padding: 7px 16px;
  border-radius: 999px;
}
.hero-card {
  background: rgba(255, 255, 255, .07);
  border: 1px solid rgba(255, 255, 255, .16);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-radius: var(--radius-lg);
  padding: 36px;
  text-align: center;
  box-shadow: var(--shadow-lg);
}
.hero-card img.avatar {
  width: 108px;
  height: 108px;
  border-radius: 50%;
  object-fit: cover;
  margin: 0 auto 16px;
  border: 3px solid var(--red);
}
.hero-card h3 { color: var(--white); font-size: 1.4rem; }
.hero-card .role { color: rgba(255, 255, 255, .75); font-size: .9rem; text-transform: uppercase; letter-spacing: .12em; margin: 4px 0 12px; }
.hero-card .liam { display: inline-block; background: var(--red); color: var(--white); font-size: .8rem; font-weight: 600; padding: 5px 14px; border-radius: 999px; }
.hero-stats { display: flex; justify-content: center; gap: 28px; margin-top: 22px; padding-top: 20px; border-top: 1px solid rgba(255, 255, 255, .14); }
.hero-stats div strong { display: block; color: var(--white); font-size: 1.3rem; }
.hero-stats div span { font-size: .8rem; color: rgba(255, 255, 255, .6); }

@media (max-width: 900px) {
  .hero { min-height: 0; padding: 120px 0 70px; }
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
}

/* ---------- Cards & grids ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
@media (max-width: 992px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.card .icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--red-soft);
  border-radius: 14px;
  font-size: 1.5rem;
  margin-bottom: 18px;
}
.card h3 { margin-bottom: 8px; }
.card p { font-size: .96rem; color: var(--ink-3); }

a.card { display: block; text-decoration: none; }
.card .card-link { color: var(--red); font-weight: 600; font-size: .92rem; margin-top: 14px; display: inline-block; }

/* Category chip */
.chip {
  display: inline-block;
  font-size: .76rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--red);
  background: var(--red-soft);
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 14px;
}

/* Check list */
.check-list { list-style: none; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 12px; font-size: 1.02rem; }
.check-list li::before { content: "✓"; color: var(--red); font-weight: 800; flex: 0 0 auto; }

/* ---------- Page hero (interior pages) ---------- */
.page-hero {
  background: linear-gradient(135deg, var(--bg-dark) 0%, #23242F 100%);
  padding: 150px 0 70px;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin: 10px 0 14px; }
.page-hero p { color: rgba(255, 255, 255, .72); max-width: 620px; margin: 0 auto; font-size: 1.1rem; }
.page-hero .chip { background: var(--red); color: var(--white); }

/* ---------- Forms ---------- */
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; color: var(--ink); font-size: .92rem; margin-bottom: 7px; }
.field .hint { font-weight: 400; color: var(--ink-3); font-size: .84rem; }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  font-family: var(--font);
  font-size: 1rem;
  color: var(--ink);
  background: var(--white);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(237, 27, 46, .12);
}
.input-rm { position: relative; }
.input-rm::before {
  content: "RM";
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-weight: 600;
  color: var(--ink-3);
  font-size: .92rem;
}
.input-rm input { padding-left: 52px; }
.err { display: none; color: var(--red); font-size: .84rem; margin-top: 5px; }
.err.visible { display: block; }

/* Range slider */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 6px;
  background: linear-gradient(to right, var(--red) 0%, var(--red) var(--val, 50%), var(--line) var(--val, 50%), var(--line) 100%);
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--red);
  box-shadow: var(--shadow-sm);
  cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--red);
  box-shadow: var(--shadow-sm);
  cursor: grab;
}
.range-row { display: flex; align-items: center; gap: 18px; }
.range-value { min-width: 88px; text-align: center; font-weight: 700; color: var(--red); background: var(--red-soft); padding: 8px 12px; border-radius: 10px; }

/* Segmented control */
.seg { display: flex; gap: 10px; }
.seg label {
  flex: 1;
  text-align: center;
  padding: 12px;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  cursor: pointer;
  font-weight: 500;
  transition: all .15s;
}
.seg input { display: none; }
.seg input:checked + span { color: var(--red); font-weight: 700; }
.seg label:has(input:checked) { border-color: var(--red); background: var(--red-soft); }

/* ---------- Calculator layout ---------- */
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 36px; align-items: start; }
@media (max-width: 900px) { .calc-layout { grid-template-columns: 1fr; } }
.calc-panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-sm); }
.calc-panel h3 { margin-bottom: 22px; }
.result-big { text-align: center; padding: 26px; border-radius: var(--radius); background: var(--red-soft); margin-bottom: 16px; }
.result-big .label { font-size: .88rem; font-weight: 600; color: var(--ink-3); text-transform: uppercase; letter-spacing: .08em; }
.result-big .value { font-size: clamp(1.8rem, 4vw, 2.5rem); font-weight: 800; color: var(--red); }
.breakdown { border-top: 1px solid var(--line); margin-top: 18px; padding-top: 14px; }
.breakdown .row { display: flex; justify-content: space-between; padding: 7px 0; font-size: .95rem; }
.breakdown .row span:last-child { font-weight: 600; color: var(--ink); }
.breakdown .row.total { border-top: 1px solid var(--line); margin-top: 6px; padding-top: 12px; font-weight: 700; }
.assumption { font-size: .82rem; color: var(--ink-3); background: var(--bg-soft); border-radius: 10px; padding: 12px 16px; margin-top: 18px; }

/* ---------- Modal / gate ---------- */
.modal {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  background: rgba(14, 15, 22, .6);
  backdrop-filter: blur(6px);
  padding: 20px;
}
.modal.active { display: flex; }
.modal-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 38px;
  width: min(520px, 100%);
  max-height: 88vh;
  overflow-y: auto;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: var(--bg-soft);
  border: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  font-size: 1rem;
  cursor: pointer;
  color: var(--ink-2);
}
.modal-box h3 { margin-bottom: 6px; }
.modal-box .sub { color: var(--ink-3); font-size: .95rem; margin-bottom: 22px; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .85rem; color: var(--ink-3); margin: 16px 0; }
.consent input { margin-top: 4px; }

/* ---------- FAQ ---------- */
.faq-item { border: 1px solid var(--line); border-radius: 14px; margin-bottom: 12px; background: var(--white); overflow: hidden; }
.faq-q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  text-align: left;
  padding: 18px 22px;
  background: none;
  border: 0;
  font-family: var(--font);
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
}
.faq-q::after { content: "+"; font-size: 1.3rem; color: var(--red); font-weight: 400; transition: transform .2s; }
.faq-item.open .faq-q::after { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 22px 20px; color: var(--ink-3); font-size: .97rem; }
.faq-item.open .faq-a { display: block; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--red) 0%, var(--red-dark) 100%);
  border-radius: var(--radius-lg);
  padding: 56px 48px;
  text-align: center;
  color: var(--white);
}
.cta-band h2 { color: var(--white); margin-bottom: 10px; }
.cta-band p { color: rgba(255, 255, 255, .85); max-width: 520px; margin: 0 auto 28px; }
.cta-band .btn-primary { background: var(--white); color: var(--red); box-shadow: none; }
.cta-band .btn-primary:hover { background: var(--bg-soft); }

/* ---------- Footer ---------- */
.footer { background: var(--bg-dark); color: rgba(255, 255, 255, .68); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; padding-bottom: 44px; }
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr; } }
.footer h4 { color: var(--white); font-size: 1rem; margin-bottom: 16px; }
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 10px; }
.footer a { color: rgba(255, 255, 255, .68); text-decoration: none; transition: color .15s; }
.footer a:hover { color: var(--white); }
.footer .f-logo img { height: 32px; margin-bottom: 16px; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .1); padding: 22px 0; font-size: .85rem; text-align: center; }

/* ---------- WhatsApp float ---------- */
.wa-float {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 900;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #23A455;
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 26px rgba(35, 164, 85, .45);
  text-decoration: none;
  transition: transform .15s;
}
.wa-float:hover { transform: scale(1.08); }
.wa-float svg { width: 28px; height: 28px; fill: currentColor; }

/* ---------- Animations ---------- */
.fade-in { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.fade-in.active { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .fade-in { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-1 { margin-top: 8px; } .mt-2 { margin-top: 16px; } .mt-3 { margin-top: 24px; } .mt-4 { margin-top: 36px; }
.mb-2 { margin-bottom: 16px; } .mb-3 { margin-bottom: 24px; }
.muted { color: var(--ink-3); }
.small { font-size: .88rem; }

/* Partner logos */
.logo-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 48px; }
.logo-row img { height: 46px; width: auto; object-fit: contain; filter: grayscale(1); opacity: .65; transition: all .2s; }
.logo-row a:hover img { filter: none; opacity: 1; }

/* Chart wrapper */
.chart-wrap { position: relative; width: 100%; }

/* Table */
.tbl { width: 100%; border-collapse: collapse; font-size: .95rem; }
.tbl th, .tbl td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--line); }
.tbl th { color: var(--ink); font-weight: 600; background: var(--bg-soft); }