/* ==========================================================================
   Omnia Wealth Takaful — Design Tokens & Base
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@400;500;600;700&family=Jost:wght@300;400;500;600;700&family=Noto+Sans+SC:wght@400;500;600;700&family=Noto+Serif+SC:wght@500;600;700&family=Noto+Sans+Tamil:wght@400;500;600;700&display=swap');

:root {
  /* Brand palette — from the Omnia Wealth identity kit (navy + antique gold on paper cream) */
  --color-primary: #1B2540;        /* midnight navy */
  --color-primary-dark: #12192E;
  --color-primary-light: #ECE7DC;  /* warm cream tint — tinted section backgrounds */
  --color-primary-100: #E2DBC9;

  --color-accent: #8A6D2F;         /* antique gold, darkened for AA text contrast */
  --color-accent-bright: #C9A75C;  /* metallic gold, decorative — icons/borders only */
  --color-accent-tint: #F4EEDD;

  --color-bg: #F4F1EA;             /* paper cream background */
  --color-surface: #FFFFFF;
  --color-fg: #1F2733;             /* near-navy charcoal */
  --color-muted: #4A5468;
  --color-border: #E2DDD1;

  --color-destructive: #B3261E;
  --color-on-primary: #FFFFFF;

  --font-heading: 'Cormorant Garamond', 'Noto Serif SC', serif;
  --font-body: 'Jost', 'Noto Sans SC', 'Noto Sans Tamil', sans-serif;

  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-24: 6rem;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-full: 999px;

  --shadow-sm: 0 1px 3px rgba(11, 79, 63, 0.08);
  --shadow-md: 0 8px 24px rgba(11, 79, 63, 0.10);
  --shadow-lg: 0 20px 48px rgba(11, 79, 63, 0.14);

  --container-max: 1180px;
  --header-h: 76px;
  --transition: 220ms ease;
}

/* [Chinese/Tamil script rendering: Cormorant/Jost have no CJK or Tamil glyphs] */
html[lang="zh"] { --font-heading: 'Noto Serif SC', serif; --font-body: 'Noto Sans SC', sans-serif; }
html[lang="ta"] { --font-heading: 'Noto Sans Tamil', serif; --font-body: 'Noto Sans Tamil', sans-serif; }

*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 12px);
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--color-fg);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; display: block; }
svg { flex-shrink: 0; }

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--color-primary-dark);
  line-height: 1.2;
  margin: 0 0 var(--space-4);
  font-weight: 700;
}

p { margin: 0 0 var(--space-4); }
a { color: inherit; text-decoration: none; }

ul { margin: 0; padding: 0; list-style: none; }

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
  color: inherit;
}

:focus-visible {
  outline: 3px solid var(--color-accent-bright);
  outline-offset: 3px;
  border-radius: 4px;
}

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-6);
}

.section {
  padding: var(--space-24) 0;
}

.section--tint {
  background: var(--color-primary-light);
}

.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: var(--space-3);
}

.section-title {
  font-size: clamp(1.6rem, 1.2rem + 1.6vw, 2.4rem);
  max-width: 42ch;
}

.section-lead {
  font-size: 1.1rem;
  color: var(--color-muted);
  max-width: 60ch;
  margin-bottom: var(--space-12);
}

.section-head {
  margin-bottom: var(--space-12);
}

.section-head--center {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}
.section-head--center .section-title,
.section-head--center .section-lead { margin-left: auto; margin-right: auto; }

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 0.9rem 1.6rem;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 0.98rem;
  min-height: 48px;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), color var(--transition);
  white-space: nowrap;
}

.btn svg { width: 20px; height: 20px; flex-shrink: 0; }

.btn--primary {
  background: var(--color-primary);
  color: var(--color-on-primary);
  box-shadow: var(--shadow-sm);
}
.btn--primary:hover { background: var(--color-primary-dark); box-shadow: var(--shadow-md); transform: translateY(-1px); }

.btn--whatsapp {
  background: #1D8C4A;
  color: #fff;
}
.btn--whatsapp:hover { background: #166b39; box-shadow: var(--shadow-md); transform: translateY(-1px); }

.btn--ghost {
  background: transparent;
  color: var(--color-primary-dark);
  border: 1.5px solid var(--color-border);
}
.btn--ghost:hover { border-color: var(--color-primary); background: var(--color-primary-light); }

.btn--outline-invert {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.55);
}
.btn--outline-invert:hover { background: rgba(255,255,255,0.12); border-color: #fff; }

.btn--block { width: 100%; }
.btn--lg { padding: 1.05rem 2rem; font-size: 1.05rem; }

/* ==========================================================================
   Header
   ========================================================================== */

.header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-h);
  display: flex;
  align-items: center;
  background: var(--color-bg);
  border-bottom: 1px solid var(--color-border);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-6);
  width: 100%;
}

.logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-shrink: 0;
}
.logo__mark {
  width: 44px; height: 44px;
  flex-shrink: 0;
}
.logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1.22;
}
.logo__name {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--color-primary-dark);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  text-indent: 0.16em;
}
.logo__sub {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  text-indent: 0.16em;
  color: var(--color-accent);
}

.nav {
  display: flex;
  align-items: center;
  gap: var(--space-6);
}

.nav__list {
  display: flex;
  gap: var(--space-4);
}

.nav__link {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--color-fg);
  padding: var(--space-2) 0;
  position: relative;
  white-space: nowrap;
  transition: color var(--transition);
}
.nav__link:hover { color: var(--color-primary); }
.nav__link::after {
  content: '';
  position: absolute;
  left: 0; bottom: -2px;
  width: 0; height: 2px;
  background: var(--color-accent);
  transition: width var(--transition);
}
.nav__link:hover::after { width: 100%; }

.header__actions {
  display: flex;
  align-items: center;
  gap: var(--space-4);
}

/* Language switcher */
.lang-switch {
  position: relative;
}
.lang-switch__btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.5rem 0.85rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-full);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--color-primary-dark);
  transition: border-color var(--transition), background var(--transition);
}
.lang-switch__btn:hover { border-color: var(--color-primary); background: var(--color-primary-light); }
.lang-switch__btn svg { width: 16px; height: 16px; flex-shrink: 0; }
.lang-switch__chevron { width: 12px !important; height: 12px !important; flex-shrink: 0; transition: transform var(--transition); }
.lang-switch[data-open="true"] .lang-switch__chevron { transform: rotate(180deg); }

.lang-switch__menu {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  min-width: 168px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: var(--space-2);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
}
.lang-switch[data-open="true"] .lang-switch__menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.lang-switch__option {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 0.6rem 0.75rem;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--color-fg);
  text-align: left;
}
.lang-switch__option:hover { background: var(--color-primary-light); }
.lang-switch__option[aria-checked="true"] { color: var(--color-primary); font-weight: 700; }
.lang-switch__option[aria-checked="true"]::after { content: '✓'; color: var(--color-accent); }

.nav-toggle {
  display: none;
  padding: var(--space-2);
  color: var(--color-primary-dark);
}
.nav-toggle svg { width: 26px; height: 26px; }

/* ==========================================================================
   Hero
   ========================================================================== */

.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  color: #fff;
  padding: var(--space-24) 0 var(--space-16);
}

.hero__media {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 22%;
  display: block;
}
.hero__scrim {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(100deg, rgba(15,20,38,0.95) 0%, rgba(15,20,38,0.88) 45%, rgba(15,20,38,0.62) 70%, rgba(15,20,38,0.4) 100%),
    linear-gradient(0deg, rgba(9,13,26,0.45) 0%, rgba(9,13,26,0) 30%);
}

.hero__inner {
  position: relative;
  z-index: 2;
  max-width: 620px;
}

.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  padding: 0.45rem 0.9rem;
  border-radius: var(--radius-full);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-primary);
  margin-bottom: var(--space-6);
}
.hero__eyebrow svg { width: 16px; height: 16px; color: var(--color-accent); flex-shrink: 0; }

.hero__title {
  font-size: clamp(2.1rem, 1.5rem + 2.6vw, 3.4rem);
  margin-bottom: var(--space-6);
  color: #fff;
}
.hero__title em {
  font-style: normal;
  color: var(--color-accent-bright);
  position: relative;
}

.hero__desc {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.86);
  max-width: 52ch;
  margin-bottom: var(--space-8);
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-bottom: var(--space-12);
}

.hero__meta {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-6);
}
.hero__meta-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.9rem;
  color: rgba(255,255,255,0.82);
  font-weight: 500;
}
.hero__meta-item svg { width: 18px; height: 18px; color: var(--color-accent-bright); flex-shrink: 0; }

.hero__floating {
  position: absolute;
  z-index: 2;
  background: var(--color-surface);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: var(--space-3) var(--space-4);
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-primary-dark);
  border: 1px solid var(--color-border);
}
.hero__floating svg { width: 20px; height: 20px; color: var(--color-accent); flex-shrink: 0; }
.hero__floating--tl { top: 116px; right: var(--space-8); left: auto; }
.hero__floating--br { bottom: var(--space-8); right: var(--space-8); }

/* Trust strip */
.trust-strip {
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-surface);
  padding: var(--space-8) 0;
}
.trust-strip__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
  text-align: center;
}
.trust-strip__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
}
.trust-strip__item svg { width: 30px; height: 30px; color: var(--color-primary); }
.trust-strip__item span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-fg);
  max-width: 20ch;
}

/* ==========================================================================
   Why Takaful
   ========================================================================== */

.principles-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.principle-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-8) var(--space-6);
  transition: transform var(--transition), box-shadow var(--transition);
}
.principle-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }

.principle-card__icon {
  width: 52px; height: 52px;
  border-radius: var(--radius-md);
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
}
.principle-card__icon svg { width: 26px; height: 26px; }

.principle-card h3 {
  font-size: 1.05rem;
  margin-bottom: var(--space-2);
}
.principle-card p {
  font-size: 0.92rem;
  color: var(--color-muted);
  margin: 0;
}

.compare-strip {
  margin-top: var(--space-12);
  background: var(--color-primary-dark);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
  color: #fff;
}
.compare-col h4 {
  color: #fff;
  font-size: 1rem;
  display: flex;
  align-items: center;
  gap: var(--space-2);
  margin-bottom: var(--space-4);
}
.compare-col h4 svg { width: 20px; height: 20px; color: var(--color-accent-bright); flex-shrink: 0; }
.compare-col ul { display: flex; flex-direction: column; gap: var(--space-3); }
.compare-col li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-2);
  font-size: 0.9rem;
  color: rgba(255,255,255,0.88);
}
.compare-col li svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; color: var(--color-accent-bright); }

/* ==========================================================================
   About Me
   ========================================================================== */

.about {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: var(--space-16);
  align-items: center;
}

.about__photo-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-4);
}

.about__photo {
  width: 100%;
  aspect-ratio: 4/5;
  border-radius: var(--radius-lg);
  background: linear-gradient(150deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.about__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
}
.about__photo-ring {
  position: absolute;
  inset: 18px;
  border: 1.5px solid rgba(255,255,255,0.25);
  border-radius: calc(var(--radius-lg) - 6px);
  pointer-events: none;
}

.about__badge {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-5);
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: var(--space-3);
}
.about__badge svg { width: 30px; height: 30px; color: var(--color-accent); flex-shrink: 0; }
.about__badge strong { display: block; font-size: 1.1rem; color: var(--color-primary-dark); }
.about__badge span { font-size: 0.78rem; color: var(--color-muted); }

.about__name { font-size: clamp(1.5rem, 1.2rem + 1vw, 2rem); margin-bottom: var(--space-1); }
.about__role {
  font-size: 1.02rem;
  font-weight: 600;
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}
.about__tagline {
  font-size: 1.1rem;
  color: var(--color-primary-dark);
  font-weight: 500;
  margin-bottom: var(--space-6);
  padding-left: var(--space-4);
  border-left: 3px solid var(--color-accent-bright);
}
.about__bio { color: var(--color-muted); }

.about__credentials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-4);
  margin: var(--space-6) 0;
}
.about__credential {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  text-align: center;
}
.about__credential strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 1.3rem;
  color: var(--color-primary);
}
.about__credential span {
  font-size: 0.78rem;
  color: var(--color-muted);
  font-weight: 500;
}

.about__approach {
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  padding: var(--space-6);
  margin-top: var(--space-6);
  display: flex;
  gap: var(--space-4);
}
.about__approach svg { width: 28px; height: 28px; color: var(--color-primary); flex-shrink: 0; }
.about__approach p { margin: 0; color: var(--color-primary-dark); font-weight: 500; font-size: 0.95rem; }

/* ==========================================================================
   Services (areas of expertise)
   ========================================================================== */

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.service-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-primary);
}
.service-card__photo {
  width: 100%;
  aspect-ratio: 3 / 2;
  background: var(--color-primary-light);
}
.service-card__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.service-card__body {
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}
.service-card__icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-md);
  background: var(--color-accent-tint);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-4);
  margin-top: calc(var(--space-6) * -1 - 24px);
  position: relative;
  z-index: 1;
  border: 3px solid var(--color-surface);
}
.service-card__icon svg { width: 24px; height: 24px; }
.service-card h3 { font-size: 1rem; margin-bottom: var(--space-2); }
.service-card p { font-size: 0.88rem; color: var(--color-muted); margin: 0; flex-grow: 1; }

.services-note {
  margin-top: var(--space-8);
  display: flex;
  align-items: center;
  gap: var(--space-3);
  justify-content: center;
  text-align: center;
  color: var(--color-muted);
  font-size: 0.95rem;
  font-style: italic;
}
.services-note svg { width: 20px; height: 20px; color: var(--color-accent); flex-shrink: 0; }

/* ==========================================================================
   How it works
   ========================================================================== */

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-8);
  position: relative;
}

.step {
  position: relative;
  padding-top: var(--space-4);
}
.step__icon {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  margin-bottom: var(--space-4);
}
.step__icon svg { width: 26px; height: 26px; }
.step__num {
  position: absolute;
  top: -6px;
  right: -6px;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--color-accent-bright);
  color: var(--color-primary-dark);
  border: 2px solid var(--color-primary-light);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.step h3 { font-size: 1.1rem; margin-bottom: var(--space-2); }
.step p { color: var(--color-muted); font-size: 0.92rem; margin: 0; }

/* ==========================================================================
   Testimonials
   ========================================================================== */

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.testimonial-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
}
.testimonial-card__quote-icon { width: 28px; height: 28px; color: var(--color-accent-bright); margin-bottom: var(--space-3); }
.testimonial-card p {
  color: var(--color-fg);
  font-size: 0.96rem;
  flex-grow: 1;
  margin-bottom: var(--space-4);
}
.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding-top: var(--space-4);
  border-top: 1px solid var(--color-border);
}
.testimonial-card__avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.testimonial-card__author strong { display: block; font-size: 0.9rem; color: var(--color-primary-dark); }
.testimonial-card__author span { font-size: 0.78rem; color: var(--color-muted); }

/* ==========================================================================
   FAQ
   ========================================================================== */

.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.faq-item {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.faq-item__q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  font-weight: 600;
  font-size: 0.98rem;
  color: var(--color-primary-dark);
  text-align: left;
}
.faq-item__chevron {
  width: 20px; height: 20px;
  flex-shrink: 0;
  color: var(--color-accent);
  transition: transform var(--transition);
}
.faq-item[data-open="true"] .faq-item__chevron { transform: rotate(180deg); }

.faq-item__a {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows var(--transition);
}
.faq-item[data-open="true"] .faq-item__a { grid-template-rows: 1fr; }
.faq-item__a-inner { overflow: hidden; }
.faq-item__a p {
  padding: 0 var(--space-6) var(--space-5);
  color: var(--color-muted);
  font-size: 0.92rem;
  margin: 0;
}

/* ==========================================================================
   Claims support
   ========================================================================== */

.claims {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}
.claims__list { display: flex; flex-direction: column; gap: var(--space-5); }
.claims__list li {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
}
.claims__list-icon {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.claims__list-icon svg { width: 20px; height: 20px; }
.claims__list h4 { font-size: 1rem; margin-bottom: 4px; }
.claims__list p { font-size: 0.9rem; color: var(--color-muted); margin: 0; }

.claims__panel {
  background: var(--color-primary-dark);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  color: #fff;
  text-align: center;
}
.claims__panel svg { width: 56px; height: 56px; color: var(--color-accent-bright); margin: 0 auto var(--space-4); }
.claims__panel h3 { color: #fff; font-size: 1.3rem; }
.claims__panel p { color: rgba(255,255,255,0.82); margin-bottom: var(--space-6); }

/* ==========================================================================
   Policy Review (existing policyholders)
   ========================================================================== */

.review {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}
.review__list { display: flex; flex-direction: column; gap: var(--space-5); }
.review__list li {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
}
.review__list-icon {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--color-accent-tint);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.review__list-icon svg { width: 20px; height: 20px; }
.review__list h4 { font-size: 1rem; margin-bottom: 4px; }
.review__list p { font-size: 0.9rem; color: var(--color-muted); margin: 0; }

.review__panel {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  text-align: center;
  box-shadow: var(--shadow-md);
}
.review__panel svg { width: 56px; height: 56px; color: var(--color-accent); margin: 0 auto var(--space-4); }
.review__panel h3 { font-size: 1.3rem; }
.review__panel p { color: var(--color-muted); margin-bottom: var(--space-6); }
.review__panel-note {
  margin-top: var(--space-4);
  font-size: 0.82rem;
  color: var(--color-muted);
  font-style: italic;
}

/* ==========================================================================
   Contact / Final CTA
   ========================================================================== */

.contact {
  background: var(--color-primary-dark);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: var(--space-16);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
}

.contact__title { color: #fff; font-size: clamp(1.6rem, 1.3rem + 1.2vw, 2.2rem); }
.contact__lead { color: rgba(255,255,255,0.82); font-size: 1.05rem; margin-bottom: var(--space-8); }

.contact__points { display: flex; flex-direction: column; gap: var(--space-4); margin-bottom: var(--space-8); }
.contact__point { display: flex; align-items: center; gap: var(--space-3); font-size: 0.95rem; color: rgba(255,255,255,0.9); }
.contact__point svg { width: 20px; height: 20px; color: var(--color-accent-bright); flex-shrink: 0; }

.contact__actions { display: flex; flex-wrap: wrap; gap: var(--space-4); }

.contact-form {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  color: var(--color-fg);
}
.contact-form h3 { font-size: 1.15rem; }
.form-row { margin-bottom: var(--space-4); }
.form-row label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-primary-dark);
  margin-bottom: var(--space-2);
}
.form-row .required { color: var(--color-destructive); }
.form-row input,
.form-row textarea {
  width: 100%;
  padding: 0.8rem 1rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 0.95rem;
  color: var(--color-fg);
  background: var(--color-bg);
  transition: border-color var(--transition);
  min-height: 48px;
}
.form-row textarea { min-height: 110px; resize: vertical; }
.form-row input:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--color-primary);
}
.form-hint { font-size: 0.78rem; color: var(--color-muted); margin-top: var(--space-6); text-align: center; }

/* ==========================================================================
   Footer
   ========================================================================== */

.footer {
  background: var(--color-primary-dark);
  color: rgba(255,255,255,0.75);
  padding: var(--space-16) 0 var(--space-8);
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: var(--space-8);
  margin-bottom: var(--space-12);
}
.footer__brand .logo__name { color: #fff; }
.footer__brand .logo__sub { color: var(--color-accent-bright); }
.footer__brand p { margin-top: var(--space-4); font-size: 0.88rem; max-width: 32ch; color: rgba(255,255,255,0.65); }

.footer__social { display: flex; gap: var(--space-3); margin-top: var(--space-5); }
.footer__social a {
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center;
  transition: background var(--transition), border-color var(--transition);
}
.footer__social a:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.5); }
.footer__social svg { width: 17px; height: 17px; }

.footer h4 {
  color: #fff;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-5);
}
.footer__links { display: flex; flex-direction: column; gap: var(--space-3); }
.footer__links a { font-size: 0.9rem; transition: color var(--transition); }
.footer__links a:hover { color: #fff; }
.footer__contact-item { display: flex; align-items: flex-start; gap: var(--space-2); font-size: 0.88rem; margin-bottom: var(--space-3); }
.footer__contact-item svg { width: 17px; height: 17px; flex-shrink: 0; margin-top: 2px; color: var(--color-accent-bright); }

.footer__bottom {
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.12);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-4);
  flex-wrap: wrap;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
}
.footer__disclaimer { max-width: 70ch; }

/* WhatsApp floating action button */
.fab-whatsapp {
  position: fixed;
  bottom: var(--space-6);
  right: var(--space-6);
  width: 60px; height: 60px;
  border-radius: 50%;
  background: #1D8C4A;
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  z-index: 90;
  transition: transform var(--transition), background var(--transition);
}
.fab-whatsapp:hover { transform: scale(1.08); background: #166b39; }
.fab-whatsapp svg { width: 30px; height: 30px; }

/* ==========================================================================
   Scroll reveal
   ========================================================================== */

[data-reveal] {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 600ms ease, transform 600ms ease;
}
[data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}
@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1; transform: none; transition: none; }
}

/* ==========================================================================
   Responsive
   ========================================================================== */

@media (max-width: 1080px) {
  /* Nav switches to the off-canvas menu earlier than the grid breakpoints
     below — Tamil/Chinese label text is longer than English/Malay and
     overflows the inline desktop nav well before 1024px. */
  .nav { position: fixed; top: var(--header-h); left: 0; right: 0; height: calc(100vh - var(--header-h)); height: calc(100dvh - var(--header-h)); background: var(--color-bg); flex-direction: column; align-items: stretch; padding: var(--space-8) var(--space-6); gap: var(--space-8); transform: translateX(100%); transition: transform var(--transition); overflow-y: auto; z-index: 99; }
  .nav[data-open="true"] { transform: translateX(0); }
  .nav__list { flex-direction: column; gap: var(--space-2); }
  .nav__link { display: block; padding: var(--space-3) 0; font-size: 1.05rem; border-bottom: 1px solid var(--color-border); }
  .header__actions .btn--primary span { display: none; }
  .header__actions .btn--primary { padding: 0.75rem; min-width: 48px; }
  .nav-toggle { display: block; }
  .lang-switch__btn span.lang-switch__label { display: none; }
}

@media (max-width: 1024px) {
  .principles-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-grid { grid-template-columns: 1fr; }
  .trust-strip__grid { grid-template-columns: repeat(2, 1fr); row-gap: var(--space-8); }
  .about { grid-template-columns: 1fr; }
  .about__photo { max-width: 320px; margin: 0 auto; }
  .claims { grid-template-columns: 1fr; }
  .review { grid-template-columns: 1fr; }
  .contact { grid-template-columns: 1fr; padding: var(--space-8); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .compare-strip { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  :root { --header-h: 68px; }
  .section { padding: var(--space-16) 0; }
  .principles-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .trust-strip__grid { grid-template-columns: 1fr 1fr; }
  .about__credentials { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; gap: var(--space-8); }
  .hero__floating { display: none; }
  .hero { min-height: 0; padding: var(--space-24) 0 var(--space-16); }
  .hero__scrim {
    background:
      linear-gradient(180deg, rgba(18,25,46,0.55) 0%, rgba(18,25,46,0.75) 55%, rgba(18,25,46,0.92) 100%);
  }
  .hero__inner { max-width: none; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 480px) {
  .container { padding: 0 var(--space-4); }
  .hero { padding: var(--space-16) 0 var(--space-12); }
  .hero__actions { flex-direction: column; align-items: stretch; }
  .hero__actions .btn { width: 100%; }
  .contact__actions { flex-direction: column; align-items: stretch; }
  .contact__actions .btn { width: 100%; }
}