/* ==========================================================================
   HOME PAGE — page-specific styles (extends main.css)
   ========================================================================== */

/* Stop the whole page from scrolling horizontally (root cause: .app-download uses 100vw) */
html, body {
  overflow-x: clip; /* 'hidden' would break position: sticky on the pinned cards */
  max-width: 100%;
}

/* ---- Hero (CoverSure-style: bold color block, big white headline, floating visual) ---- */
.hero {
  min-height: 0;
  padding: 76px 0 96px;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-primary) 100%);
  overflow: hidden;
  position: relative;
}
/* soft decorative glow circles, like the blurred blobs behind CoverSure's hero photo */
.hero::before,
.hero::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  pointer-events: none;
  z-index: 0;
}
.hero::before { width: 560px; height: 560px; top: -200px; right: -140px; }
.hero::after { width: 380px; height: 380px; bottom: -160px; right: 260px; background: rgba(255, 255, 255, 0.05); }

.hero .container {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 32px;
  align-items: center;
  min-height: 0;
  overflow: visible;
  position: relative;
  z-index: 1;
}
.hero-copy {
  transform: none;
  color: #ffffff;
}
.hero-tags {
  display: flex;
  align-items: center;
  gap: 14px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.03em;
  margin: 18px 0 20px;
}
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
  margin: 18px 0 0;
  width: 100%;
  max-width: 460px; /* slightly wider row, still contained inside the left column */
}
.hero-stat-card {
  min-width: 0;
  aspect-ratio: 4 / 3; /* wider & shorter than before (was 1/1) */
  padding: 10px 8px;
  border-radius: var(--radius-md);
  background: linear-gradient(145deg, #0f5fa8, #123e6b);
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.hero-stat-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
}
/* give each card its own dark sky-blue shade so the row feels colourful but cohesive */
.hero-stat-card:nth-child(1) { background: linear-gradient(145deg, #1c6fb0, #0d3a63); }
.hero-stat-card:nth-child(2) { background: linear-gradient(145deg, #1477c2, #0a2e52); }
.hero-stat-card:nth-child(3) { background: linear-gradient(145deg, #2586c9, #103f6e); }

.hero-actions { margin-top: 10px; display: flex; flex-wrap: wrap; gap: 14px; }
.hero-visual { margin-top: 0; }
.hero-visual__frame { max-height: 520px; }
.hero-stat-value {
  font-size: 22px;
  line-height: 1.1;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 4px;
}
.hero-stat-card h4 {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin: 0;
  color: #eaf3ff;
  line-height: 1.3;
}
/* light tints so the INVEST • BORROW • LOAN tags stay readable on the dark hero */
.hero-tags span:nth-child(1) { color: #9cc9ff; }
.hero-tags span:nth-child(3) { color: #ffc2d6; }
.hero-tags span:nth-child(5) { color: #a4f0cf; }
.hero-tags .dot { color: rgba(255, 255, 255, 0.35); font-weight: 400; }

.hero h1 {
  font-size: 58px;
  line-height: 1.15;
  font-weight: 800;
  color: #ffffff;
}
.hero h1 span { color: var(--color-secondary); }
.hero p.hero-desc {
  color: rgba(255, 255, 255, 0.82);
  font-size: 17px;
  max-width: 480px;
  margin: 18px 0 30px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
/* buttons re-tuned for the dark hero background */
.hero-actions .btn-secondary {
  border-radius: var(--radius-pill);
  padding: 16px 30px;
}
.hero-actions .btn-outline {
  border-radius: var(--radius-pill);
  padding: 16px 30px;
  border-color: rgba(255, 255, 255, 0.55);
  color: #ffffff;
  background: transparent;
}
.hero-actions .btn-outline:hover { background: rgba(255, 255, 255, 0.12); }

.hero-visual {
  position: relative;
  max-width: 700px;
  width: 100%;
  margin-left: auto;
  transform: scale(1.1);
  transform-origin: bottom right;
}
.hero-visual__frame {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/3;
  max-height: 610px;
  background: linear-gradient(135deg, #e9f0fd 0%, #f7f4ee 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  box-shadow: 0 30px 70px rgba(2, 8, 30, 0.4);
  border: 4px solid rgba(255, 255, 255, 0.14);
}
.hero-video {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  background: linear-gradient(135deg, #e9f0fd 0%, #f7f4ee 100%);
}
.hero-visual__badge {
  position: absolute;
  bottom: -24px;
  right: -16px;
  background: #fff;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card-hover);
  padding: 20px 22px;
  max-width: 220px;
  transform: translateY(-20%);
}
.hero-visual__badge-icons { display: flex; gap: 8px; margin-bottom: 12px; }
.hero-visual__badge-icons span {
  width: 30px; height: 30px; border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}
.hero-visual__badge h4 { font-size: 14px; margin-bottom: 4px; }
.hero-visual__badge p { font-size: 12px; color: var(--color-text-muted); }

/* ---- Hero visual slider (Company / Investment / Loan / Insurance) ---- */
.hero-slider {
  overflow: hidden; /* clips slides; outer size/scale/position unchanged from before */
}
.hero-slider__track {
  display: flex;
  width: 100%;
  transition: transform 0.6s cubic-bezier(0.65, 0, 0.35, 1);
}
.hero-slide {
  flex: 0 0 100%;
  min-width: 0;
  position: relative;
}
/* Company slide (slide 1) keeps the original video frame styling untouched */

/* Service slides (Investment / Loan / Insurance) reuse the same frame box,
   just swap the video for a big centered icon on a tinted brand gradient */
.hero-visual__frame--service {
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.hero-visual__frame--service::before,
.hero-visual__frame--service::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.35);
}
.hero-visual__frame--service::before {
  width: 62%;
  aspect-ratio: 1/1;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}
.hero-visual__frame--service::after {
  width: 38%;
  aspect-ratio: 1/1;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  background: rgba(255, 255, 255, 0.55);
}
.hero-slide--invest .hero-visual__frame--service {
  background: linear-gradient(135deg, var(--color-invest-bg) 0%, #eaf2ff 100%);
}
.hero-slide--loan .hero-visual__frame--service {
  background: linear-gradient(135deg, var(--color-loan-bg) 0%, #fff0f4 100%);
}
.hero-slide--insurance .hero-visual__frame--service {
  background: linear-gradient(135deg, var(--color-insurance-bg) 0%, #eafcf3 100%);
}
.hero-slide__icon {
  width: 38%;
  max-width: 230px;
  height: auto;
  object-fit: contain;
  position: relative;
  z-index: 1;
  border-radius: 22px;
  background: #fff;
  padding: 18px;
  box-shadow: 0 14px 28px rgba(0, 0, 0, 0.14);
  animation: heroSlideIconIn 0.6s ease both;
}
@keyframes heroSlideIconIn {
  from { opacity: 0; transform: scale(0.85) translateY(10px); }
  to { opacity: 1; transform: scale(1) translateY(0); }
}

.hero-slider__dots {
  position: absolute;
  left: 50%;
  bottom: 16px;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
  z-index: 2;
}
.hero-slider__dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  border: none;
  padding: 0;
  background: rgba(255, 255, 255, 0.55);
  cursor: pointer;
  transition: background 0.25s ease, transform 0.25s ease;
}
.hero-slider__dot.is-active {
  background: #ffffff;
  transform: scale(1.12);
}

@media (max-width: 900px) {
  .hero { padding: 18px 0 48px; }   /* card sits right under the header, no big empty gap */
  .hero .container { grid-template-columns: minmax(0, 1fr); padding: 0 20px; }   /* side room so text never touches the screen edge */
  .hero h1 { font-size: 34px; }
  .hero-visual { order: -1; }
  .hero-copy { transform: translateY(-10px); }
}

@media (max-width: 640px) {
  .hero { min-height: 0; }
  .hero .container { min-height: 0; padding: 0 18px; }
  .hero-visual {
    max-width: 100%;
    transform: none;
    margin-left: 0;
  }
  .hero-visual__frame { max-height: 300px; }
  .hero-visual__badge {
    max-width: 170px;
    padding: 14px 16px;
    right: 0;
    bottom: -18px;
  }
  .hero-visual__badge h4 { font-size: 12.5px; }
  .hero-visual__badge p { font-size: 11px; }
  .hero-visual__badge-icons span { width: 24px; height: 24px; }
  .hero-slide__icon { max-width: 150px; padding: 12px; }
  .hero h1 { font-size: 28px; }
  .hero-actions { flex-wrap: nowrap; gap: 8px; width: 100%; }
  .hero-actions .btn {
    flex: 1 1 0;
    min-width: 0;
    padding: 12px 8px;
    font-size: 13px;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
  }
  .hero-actions .btn svg { flex-shrink: 0; width: 15px; height: 15px; }
}

@media (max-width: 360px) {
  .hero-actions { gap: 6px; }
  .hero-actions .btn { padding: 11px 6px; font-size: 12px; gap: 5px; }
  .hero-actions .btn svg { width: 13px; height: 13px; }
  .hero-stats { max-width: 100%; }
  .hero-stat-value { font-size: 18px; }
  .hero-stat-card h4 { font-size: 9px; }
}

/* ---- Trust Stats Band (CoverSure-style icon + stat row, right under hero) ---- */
.stats-band {
  background: var(--color-bg);
  padding: 28px 0;
  border-bottom: 1px solid var(--color-border);
}
.stats-band__row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.stats-band__item {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 10px 18px;
  border-right: 1px solid var(--color-border);
}
.stats-band__item:last-child { border-right: none; }
.stats-band__icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  background: var(--color-primary-light);
  padding: 11px;
}
.stats-band__icon img { width: 100%; height: 100%; object-fit: contain; }
.stats-band .hero-stat-value {
  font-family: var(--font-heading);
  font-size: 26px;
  font-weight: 800;
  color: var(--color-navy);
  line-height: 1.1;
  margin: 0 0 2px;
}
.stats-band__text h4 {
  font-size: 13px;
  font-weight: 600;
  color: var(--color-text-muted);
  margin: 0;
}
@media (max-width: 900px) {
  .stats-band__row { grid-template-columns: minmax(0, 1fr); gap: 14px; }
  .stats-band__item { border-right: none; border-bottom: 1px solid var(--color-border); padding-bottom: 16px; }
  .stats-band__item:last-child { border-bottom: none; padding-bottom: 10px; }
}

/* ---- Investment Feature (CoverSure-style alternating layout) ---- */
.feature-alt {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 48px;
  align-items: center;
  background: var(--color-invest-bg);
  border-radius: var(--radius-lg);
  padding: 48px;
}
.feature-alt--reverse { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
.feature-alt--reverse .feature-alt__visual { order: -1; }
.feature-alt__icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  background: var(--color-invest);
  overflow: hidden;
}
.feature-alt__icon img { width: 100%; height: 100%; object-fit: contain; }
.feature-alt__content h3 { font-size: 28px; color: var(--color-invest); margin-bottom: 10px; }
.feature-alt__content > p { font-size: 15px; color: var(--color-text-muted); margin-bottom: 16px; max-width: 440px; }
.feature-alt__stat {
  display: inline-flex;
  align-items: baseline;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--color-navy);
  background: rgba(255, 255, 255, 0.65);
  border-radius: var(--radius-pill);
  padding: 8px 16px;
  margin-bottom: 22px;
}
.feature-alt__stat .hero-stat-value {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 800;
  color: var(--color-invest);
}
.feature-alt__list { margin-bottom: 28px; }
.feature-alt__list li {
  list-style: none;
  border-left: 3px solid var(--color-invest);
  padding: 4px 0 4px 16px;
  margin-bottom: 12px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--color-text);
}
.feature-alt__visual {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  aspect-ratio: 4 / 3;
}
.feature-alt__visual img { width: 100%; height: 100%; object-fit: cover; display: block; }
@media (max-width: 900px) {
  .feature-alt { grid-template-columns: minmax(0, 1fr); padding: 32px 24px; gap: 28px; }
  .feature-alt--reverse .feature-alt__visual { order: 0; }
}

/* ---- Loan / Insurance colour variants (Phase 3 — reuse same feature-alt pattern) ---- */
.feature-alt--loan { background: var(--color-loan-bg); }
.feature-alt--loan .feature-alt__icon { background: var(--color-loan); }
.feature-alt--loan .feature-alt__content h3 { color: var(--color-loan); }
.feature-alt--loan .feature-alt__stat .hero-stat-value { color: var(--color-loan); }
.feature-alt--loan .feature-alt__list li { border-left-color: var(--color-loan); }
.feature-alt--loan .btn-primary { background: var(--color-loan); border-color: var(--color-loan); }

.feature-alt--insurance { background: var(--color-insurance-bg); }
.feature-alt--insurance .feature-alt__icon { background: var(--color-insurance); }
.feature-alt--insurance .feature-alt__content h3 { color: var(--color-insurance); }
.feature-alt--insurance .feature-alt__stat .hero-stat-value { color: var(--color-insurance); }
.feature-alt--insurance .feature-alt__list li { border-left-color: var(--color-insurance); }
.feature-alt--insurance .btn-primary { background: var(--color-insurance); border-color: var(--color-insurance); }

/* ---- Service Cards (Loan / Insurance — Investment moved to feature-alt above) ---- */
.service-cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}
.service-cards--pair { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 760px; margin: 0 auto; }
.service-card {
  border-radius: var(--radius-lg);
  padding: 30px 24px;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background-color 0.25s ease;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card-hover);
}
.service-card:hover { background-color: var(--color-primary-light); }
.service-card--invest { background: var(--color-invest-bg); }
.service-card--loan { background: var(--color-loan-bg); }
.service-card--insurance { background: var(--color-insurance-bg); }

.service-card__icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  overflow: hidden;
}
.service-card__icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}
.service-card--invest .service-card__icon { background: var(--color-invest); }
.service-card--loan .service-card__icon { background: var(--color-loan); }
.service-card--insurance .service-card__icon { background: var(--color-insurance); }

.service-card h3 { font-size: 21px; margin-bottom: 6px; }
.service-card--invest h3 { color: var(--color-invest); }
.service-card--loan h3 { color: var(--color-loan); }
.service-card--insurance h3 { color: var(--color-insurance); }
.service-card > p { font-size: 14px; color: var(--color-text-muted); margin-bottom: 20px; }

.service-card__list { margin-bottom: 26px; }
.service-card__list li {
  display: flex; align-items: center; gap: 10px;
  font-size: 14px; margin-bottom: 12px; color: var(--color-text);
}
.service-card__list li svg { flex-shrink: 0; }
.service-card--invest .service-card__list li svg { color: var(--color-invest); }
.service-card--loan .service-card__list li svg { color: var(--color-loan); }
.service-card--insurance .service-card__list li svg { color: var(--color-insurance); }

.service-card .btn { width: 100%; }
.service-card--invest .btn { background: var(--color-invest); color: #fff; }
.service-card--loan .btn { background: var(--color-loan); color: #fff; }
.service-card--insurance .btn { background: var(--color-insurance); color: #fff; }

@media (max-width: 900px) {
  .service-cards { grid-template-columns: minmax(0, 1fr); }
}

/* ---- Feature strip (4 cols) ---- */
.feature-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 28px;
  background: var(--color-bg-alt);
  border-radius: var(--radius-lg);
  padding: 40px;
}
.feature-strip__item { display: flex; gap: 14px; }
.feature-strip__icon {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: background-color 0.2s ease, transform 0.2s ease;
}
.feature-strip__item:hover .feature-strip__icon { background: var(--color-primary); transform: scale(1.06); }
.feature-strip__item:hover .feature-strip__icon img { filter: brightness(0) invert(1); }
.feature-strip__item h4 { font-size: 15px; margin-bottom: 6px; }
.feature-strip__item p { font-size: 13px; color: var(--color-text-muted); line-height: 1.6; }

@media (max-width: 900px) {
  .feature-strip { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); padding: 28px; }
}
@media (max-width: 560px) {
  .feature-strip { grid-template-columns: minmax(0, 1fr); }
}

/* ---- How It Works (steps) ---- */
.steps-row {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0;
  position: relative;
}
.step-item { text-align: center; padding: 0 16px; position: relative; }
.step-item__icon-wrap { position: relative; display: inline-block; margin-bottom: 18px; }
.step-item__icon {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--color-primary-light);
  color: var(--color-primary);
  display: flex; align-items: center; justify-content: center;
  transition: background-color 0.2s ease, transform 0.2s ease;
}
.step-item:hover .step-item__icon { background: var(--color-primary); transform: scale(1.06); }
.step-item:hover .step-item__icon img { filter: brightness(0) invert(1); }
.step-item:nth-child(2):hover .step-item__icon { background: var(--color-loan); }
.step-item:nth-child(3):hover .step-item__icon { background: var(--color-insurance); }
.step-item__num {
  position: absolute; top: -6px; left: -6px;
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  font-family: var(--font-heading); font-weight: 700; font-size: 13px;
  display: flex; align-items: center; justify-content: center;
  border: 3px solid #fff;
}
.step-item:nth-child(2) .step-item__num { background: var(--color-loan); }
.step-item:nth-child(3) .step-item__num { background: var(--color-insurance); }
.step-item:nth-child(4) .step-item__num { background: var(--color-primary); }
.step-item h4 { font-size: 16px; margin-bottom: 8px; }
.step-item p { font-size: 13px; color: var(--color-text-muted); }
.step-arrow {
  position: absolute; top: 36px; right: -8%;
  color: var(--color-border);
}

@media (max-width: 900px) {
  .steps-row { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); row-gap: 40px; }
  .step-arrow { display: none; }
}
@media (max-width: 560px) {
  .steps-row { grid-template-columns: minmax(0, 1fr); }
}

/* ---- Journey + Enquiry split ---- */
.journey-enquiry {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 32px;
  align-items: stretch;
}
.journey-panel {
  position: relative;
  overflow: hidden;
  border-radius: var(--radius-lg);
  padding: 44px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: #111;
}
.journey-panel::before {
  content: "";
  position: absolute;
  inset: 0;
  background: url("../images/identify-your-financial-goals.jpg") center/cover no-repeat;
  transform: scale(1.05);
  opacity: 1;
  z-index: 0;
}
.journey-panel::after {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.45);
  z-index: 0;
}
.journey-panel > * { position: relative; z-index: 1; }
.journey-panel h2 { color: #fff; font-size: 28px; margin-bottom: 14px; }
.journey-panel p { color: rgba(255, 255, 255, 0.88); margin-bottom: 26px; max-width: 420px; }
.journey-panel__visual {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-top: 32px;
}
.journey-coin-stack { display: flex; align-items: flex-end; gap: 4px; }
.journey-coin-stack span {
  width: 14px; border-radius: 3px 3px 0 0;
  background: linear-gradient(180deg, #f4c542, #d89e1f);
}

.enquiry-panel {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-card);
}
.enquiry-panel h3 { font-size: 22px; margin-bottom: 22px; }
.form-row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 16px; margin-bottom: 16px; }
.form-field label {
  display: block; font-size: 13px; font-weight: 600;
  color: var(--color-text); margin-bottom: 6px;
}
.form-field input {
  width: 100%; padding: 13px 14px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: 14px;
  background: var(--color-bg-alt);
}
.form-field input:focus { outline: 2px solid var(--color-primary); background: #fff; }
.radio-row { display: flex; flex-wrap: wrap; gap: 12px 24px; margin: 8px 0 22px; max-width: 100%; }
.radio-option { display: flex; align-items: center; gap: 8px; font-size: 14px; min-width: 0; }
.radio-option input { accent-color: var(--color-primary); width: 16px; height: 16px; flex-shrink: 0; }

@media (max-width: 900px) {
  .journey-enquiry { grid-template-columns: minmax(0, 1fr); }
  .form-row { grid-template-columns: minmax(0, 1fr); }
}
@media (max-width: 560px) {
  .journey-panel { padding: 30px 24px; }
  .journey-panel h2 { font-size: 22px; }
  .journey-panel__visual { margin-top: 24px; }
  .enquiry-panel { padding: 26px 22px; }
  .enquiry-panel h3 { font-size: 19px; margin-bottom: 18px; }
}

/* ---- Trust stats strip ---- */
.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
  background: var(--color-bg-alt);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
}
.trust-item { display: flex; align-items: center; gap: 14px; }
.trust-item__icon {
  width: 46px; height: 46px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  background: var(--color-primary-light);
  color: var(--color-primary);
  transition: background-color 0.2s ease, transform 0.2s ease;
}
.trust-item:hover .trust-item__icon { background: var(--color-primary); transform: scale(1.06); }
.trust-item:hover .trust-item__icon img { filter: brightness(0) invert(1); }
.trust-item h4 { font-size: 15px; color: var(--color-navy); margin-bottom: 3px; }
.trust-item p { font-size: 12.5px; color: var(--color-text-muted); }

@media (max-width: 900px) { .trust-strip { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } }
@media (max-width: 560px) { .trust-strip { grid-template-columns: minmax(0, 1fr); } }

/* ---- Partners / Insurer logos strip (Phase 9 — DUMMY placeholder logos) ---- */
.partners-strip__label {
  text-align: center;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-text-faint);
  margin-bottom: 26px;
}
.partners-strip__row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 16px 40px;
}
.partner-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 16px;
  color: var(--color-text-faint);
  filter: grayscale(1);
  opacity: 0.7;
  transition: filter 0.2s ease, opacity 0.2s ease, transform 0.2s ease;
}
.partner-logo:hover { filter: grayscale(0); opacity: 1; transform: translateY(-2px); color: var(--color-navy); }
.partner-logo__mark {
  width: 30px; height: 30px;
  border-radius: 8px;
  background: var(--color-primary);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
@media (max-width: 640px) {
  .partners-strip__row { gap: 14px 26px; }
  .partner-logo { font-size: 14px; }
}

/* ===== TESTIMONIALS (Phase 4) ===== */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
  margin-top: 40px;
}
.testimonial-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 30px 26px;
  box-shadow: var(--shadow-card);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.testimonial-card:hover { box-shadow: var(--shadow-card-hover); transform: translateY(-3px); }
.testimonial-card__quote { display: block; margin-bottom: 14px; opacity: 0.9; }
.testimonial-card__stars {
  color: #f5a623;
  letter-spacing: 2px;
  font-size: 14px;
  margin-bottom: 14px;
}
.testimonial-card > p {
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--color-text-muted);
  margin-bottom: 22px;
  min-height: 96px;
}
.testimonial-card__footer { display: flex; align-items: center; gap: 12px; }
.testimonial-card__avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  color: #fff;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 16px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.testimonial-card__footer strong { display: block; font-size: 14px; color: var(--color-navy); }
.testimonial-card__footer span { font-size: 12.5px; color: var(--color-text-faint); }

@media (max-width: 900px) {
  .testimonial-grid { grid-template-columns: minmax(0, 1fr); }
}

/* ---- Insights preview ---- */
.insights-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
  margin-bottom: 32px;
}
.insight-card {
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--color-border);
  background: #fff;
  box-shadow: var(--shadow-card);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.insight-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card-hover); }
.insight-card__img {
  position: relative;
  aspect-ratio: 16/10;
  background: linear-gradient(135deg, var(--color-primary-light), #f7f4ee);
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.insight-card__img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.insight-card__badge {
  position: absolute;
  top: 14px; left: 14px;
  padding: 5px 12px;
  border-radius: var(--radius-pill);
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.02em;
  z-index: 1;
}
.insight-card--investment .insight-card__badge { background: var(--color-invest-bg); color: var(--color-invest); }
.insight-card--loan .insight-card__badge { background: var(--color-loan-bg); color: var(--color-loan); }
.insight-card--insurance .insight-card__badge { background: var(--color-insurance-bg); color: var(--color-insurance); }
.insight-card__body { padding: 18px 20px 22px; }
.insight-card__body h4 { font-size: 15px; margin-bottom: 10px; line-height: 1.5; }
.insight-card__body a {
  font-size: 13.5px; font-weight: 600; color: var(--color-primary);
  display: inline-flex; align-items: center; gap: 6px;
  transition: gap 0.2s ease;
}
.insight-card__body a:hover { gap: 9px; }
.insights-footer { text-align: center; }

@media (max-width: 900px) {
  .insights-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 18px; }
}
@media (max-width: 640px) {
  .insights-grid { grid-template-columns: minmax(0, 1fr); gap: 20px; }
}

/* ---- App download ---- */
.app-download {
  background: linear-gradient(120deg, var(--color-navy), var(--color-primary));
  position: relative;
  overflow: hidden;
  border-radius: 0;
  padding: 44px 48px;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 40px;
  align-items: center;
  width: 100vw;
  max-width: 100vw;
  margin-left: calc(50% - 50vw);
  margin-right: calc(50% - 50vw);
}
.app-download::before {
  content: "";
  position: absolute;
  width: 420px; height: 420px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  top: -220px; right: -80px;
}
.app-download > * { position: relative; z-index: 1; }
.app-download__phone {
  width: 90px; height: 130px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.app-download__text h3 { font-size: 22px; margin-bottom: 6px; color: #fff; }
.app-download__text p { color: rgba(255, 255, 255, 0.82); font-size: 14px; margin-bottom: 18px; }
.app-download__features { display: flex; gap: 22px; flex-wrap: wrap; }
.app-download__features span {
  display: flex; align-items: center; gap: 7px;
  font-size: 13px; font-weight: 600; color: #fff;
}
.app-download__stores { display: flex; flex-direction: column; gap: 10px; }
.store-badge {
  display: flex; align-items: center; gap: 10px;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: #fff;
  padding: 10px 18px; border-radius: var(--radius-sm);
  font-size: 12px;
  transition: background 0.2s ease;
}
.store-badge:hover { background: rgba(255, 255, 255, 0.22); }
.store-badge strong { display: block; font-size: 14px; font-family: var(--font-heading); }

@media (max-width: 900px) {
  .app-download { grid-template-columns: minmax(0, 1fr); text-align: center; }
  .app-download__phone { margin: 0 auto; }
  .app-download__features { justify-content: center; }
  .app-download__stores { flex-direction: row; justify-content: center; }
}
@media (max-width: 560px) {
  .app-download { padding: 32px 22px; gap: 24px; }
  .app-download__text h3 { font-size: 19px; }
  .app-download__stores { flex-direction: column; align-items: stretch; }
}
/* ==========================================================================
   PINNED SCROLL CARDS (Investment / Loan / Insurance)
   The page stays put while the card stays pinned; only its content changes.
   ========================================================================== */
.pin {
  --stage-h: calc(100vh - var(--header-height));
  height: calc(var(--stage-h) + (var(--steps) - 1) * 65vh);
  position: relative;
}
.pin__stage {
  position: sticky;
  top: var(--header-height);
  height: var(--stage-h);
  display: flex;
  align-items: center;
}
.pin__stage > .container { width: 100%; }
.pin__card { align-items: stretch; padding: 40px 48px; }
.pin__card .feature-alt__content { display: flex; flex-direction: column; justify-content: center; }
.pin__card .feature-alt__content > p { margin-bottom: 12px; }
.pin__card .feature-alt__stat { align-self: flex-start; margin-bottom: 14px; }
/* Vertical "ticker": the current item is shown in full, the previous one
   is left as a faded heading above it and the next one peeks in below.
   Positions are set from the scroll position by js/main.js. */
.pin__panels {
  --head-h: 34px;      /* one heading row */
  --body-h: 118px;     /* heading + description of the current item */
  position: relative;
  height: calc(var(--head-h) + var(--body-h) + var(--head-h) * .55);
  margin-bottom: 18px;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(to bottom, transparent 0, #000 22%, #000 74%, transparent 100%);
          mask-image: linear-gradient(to bottom, transparent 0, #000 22%, #000 74%, transparent 100%);
}
.pin__panel { position: absolute; left: 0; right: 0; top: 0; will-change: transform, opacity; }
.pin__panel h4 { font-size: 22px; line-height: var(--head-h); height: var(--head-h); margin: 0; color: var(--color-navy); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.pin__panel p { font-size: 14.5px; color: var(--color-text-muted); max-width: 460px; margin-top: 4px; }
.pin__card .btn { align-self: flex-start; }

.pin__visual { position: relative; aspect-ratio: auto; min-height: 320px; background: var(--color-navy); }
.pin__photo {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
  opacity: 0; will-change: opacity, transform;
}
.pin__photo:first-child { opacity: 1; }

@media (max-width: 900px) {
  .pin__card { padding: 22px 18px; gap: 16px; }
  .pin__card .feature-alt__icon { display: none; }
  .pin__card .feature-alt__content h3 { font-size: 22px; margin-bottom: 4px; }
  .pin__card .feature-alt__content > p:not(.feature-alt__stat) { display: none; }
  .pin__visual { min-height: 0; height: 26vh; order: -1 !important; }
  .pin__panels { --head-h: 30px; --body-h: 112px; margin-bottom: 14px; }
  .pin__panel h4 { font-size: 19px; }
}
@media (prefers-reduced-motion: reduce) {
  .pin__panel, .pin__photo { will-change: auto; }
}

/* ---- App phone inside the pinned cards + real phones in the app band ---- */
.pin__phone {
  position: absolute; right: 22px; bottom: -70px; --phone-w: 150px; z-index: 2;
  transform: rotate(5deg);
}
.pin__app-tag {
  position: absolute; left: 18px; bottom: 18px; z-index: 2;
  display: flex; align-items: center; gap: 10px;
  background: rgba(255,255,255,.95); border-radius: var(--radius-md);
  padding: 10px 16px; font-size: 13px; font-weight: 600; color: var(--color-navy);
  box-shadow: var(--shadow-card-hover);
}
.pin__app-tag a { background: var(--pin-color); color: #fff; padding: 6px 12px; border-radius: var(--radius-pill); font-size: 12.5px; }
.app-download__phone { background: none; border: 0; width: auto; height: auto; display: block; --phone-w: 130px; margin-bottom: -84px; align-self: end; }
.app-download { padding-bottom: 0; align-items: center; }
.app-download__text, .app-download__stores { padding-bottom: 44px; }
.app-download__phones { display: flex; align-items: flex-end; gap: 0; }
.app-download__phones .phone:nth-child(2) { margin-left: -34px; transform: translateY(24px); }
@media (max-width: 900px) {
  .pin__phone { display: none; }
  .pin__app-tag { left: 10px; bottom: 10px; padding: 6px 10px; font-size: 12px; }
  .app-download__phone { margin: 0 auto; }
  .app-download__phones { justify-content: center; }
  .app-download__text { padding-bottom: 0; }
  .app-download__stores { padding-bottom: 32px; }
}

/* Accent colour per service (used by the "Get the app" tag) */
.pin__card { --pin-color: var(--color-invest); }
.feature-alt--loan.pin__card { --pin-color: var(--color-loan); }
.feature-alt--insurance.pin__card { --pin-color: var(--color-insurance); }