@font-face {
  font-family: 'dana';
  font-weight: 300;
  font-style: normal;
  font-display: swap;
  src: url('../fonts/dana-Light.woff2') format('woff2'),
       url('../fonts/dana-Light.woff') format('woff');
}
@font-face {
  font-family: 'dana';
  font-weight: 400;
  font-style: normal;
  font-display: swap;
  src: url('../fonts/dana-Regular.woff2') format('woff2'),
       url('../fonts/dana-Regular.woff') format('woff');
}
@font-face {
  font-family: 'dana';
  font-weight: 500;
  font-style: normal;
  font-display: swap;
  src: url('../fonts/dana-Medium.woff2') format('woff2'),
       url('../fonts/dana-Medium.woff') format('woff');
}
@font-face {
  font-family: 'dana';
  font-weight: 600;
  font-style: normal;
  font-display: swap;
  src: url('../fonts/dana-Medium.woff2') format('woff2'),
       url('../fonts/dana-Medium.woff') format('woff');
}
@font-face {
  font-family: 'dana';
  font-weight: 700;
  font-style: normal;
  font-display: swap;
  src: url('../fonts/dana-Bold.woff2') format('woff2'),
       url('../fonts/dana-Bold.woff') format('woff');
}
@font-face {
  font-family: 'dana';
  font-weight: 800;
  font-style: normal;
  font-display: swap;
  src: url('../fonts/dana-ExtraBold.woff2') format('woff2'),
       url('../fonts/dana-ExtraBold.woff') format('woff');
}
@font-face {
  font-family: 'dana';
  font-weight: 900;
  font-style: normal;
  font-display: swap;
  src: url('../fonts/dana-Black.woff2') format('woff2'),
       url('../fonts/dana-Black.woff') format('woff');
}

:root {
  --primary: #1565c0;
  --primary-light: #1e88e5;
  --primary-pale: #e3f2fd;
  --emerald: #00897b;
  --emerald-light: #26a69a;
  --emerald-pale: #e0f2f1;
  --gold: #f9a825;
  --gold-light: #ffca28;
  --gold-pale: #fff8e1;
  --silver: #90a4ae;
  --bg: #ffffff;
  --bg2: #f8faff;
  --bg3: #eef4ff;
  --surface: #ffffff;
  --surface2: rgba(255,255,255,0.85);
  --text: #0d1b2a;
  --text2: #2c3e50;
  --text3: #546e7a;
  --border: rgba(21,101,192,0.12);
  --shadow-sm: 0 2px 12px rgba(21,101,192,0.08);
  --shadow-md: 0 8px 32px rgba(21,101,192,0.13);
  --shadow-lg: 0 20px 60px rgba(21,101,192,0.16);
  --radius: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
  --header-h: 72px;
  --glass: rgba(255,255,255,0.75);
  --glass-border: rgba(255,255,255,0.5);
}
[data-theme="dark"] {
  --primary: #42a5f5;
  --primary-light: #64b5f6;
  --primary-pale: rgba(66,165,245,0.1);
  --emerald: #4db6ac;
  --emerald-light: #80cbc4;
  --emerald-pale: rgba(77,182,172,0.1);
  --gold: #ffca28;
  --gold-light: #ffd54f;
  --gold-pale: rgba(255,202,40,0.1);
  --silver: #b0bec5;
  --bg: #0a1628;
  --bg2: #0e1f38;
  --bg3: #122240;
  --surface: #112035;
  --surface2: rgba(17,32,53,0.9);
  --text: #e8f4fd;
  --text2: #b0cce8;
  --text3: #7fa8c8;
  --border: rgba(66,165,245,0.15);
  --shadow-sm: 0 2px 12px rgba(0,0,0,0.3);
  --shadow-md: 0 8px 32px rgba(0,0,0,0.35);
  --shadow-lg: 0 20px 60px rgba(0,0,0,0.4);
  --glass: rgba(17,32,53,0.8);
  --glass-border: rgba(66,165,245,0.2);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{
  font-family:'dana',sans-serif;
  background:var(--bg);
  color:var(--text);
  line-height:1.7;
  transition:background var(--transition),color var(--transition);
  overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{cursor:pointer;border:none;background:none;font-family:inherit}
ul{list-style:none}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section-pad{padding:96px 0}
.section-title{
  font-size:clamp(1.75rem,4vw,2.5rem);
  font-weight:800;
  color:var(--text);
  line-height:1.3;
}
.section-sub{
  font-size:1.1rem;
  color:var(--text3);
  margin-top:12px;
  max-width:600px;
}
.badge{
  display:inline-flex;align-items:center;gap:6px;
  background:var(--primary-pale);
  color:var(--primary);
  font-size:0.8rem;font-weight:700;
  padding:6px 14px;border-radius:50px;
  margin-bottom:16px;
  border:1px solid var(--border);
}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 28px;border-radius:50px;
  font-size:0.95rem;font-weight:700;
  transition:all var(--transition);
  cursor:pointer;
  white-space:nowrap;
}
.btn-primary{
  background:linear-gradient(135deg,var(--primary) 0%,var(--primary-light) 100%);
  color:#fff;
  box-shadow:0 4px 20px rgba(21,101,192,0.35);
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(21,101,192,0.45)}
.btn-outline{
  background:transparent;
  border:2px solid var(--primary);
  color:var(--primary);
}
.btn-outline:hover{background:var(--primary);color:#fff;transform:translateY(-2px)}
.btn-gold{
  background:linear-gradient(135deg,#f9a825,#ffca28);
  color:#1a1200;
  box-shadow:0 4px 20px rgba(249,168,37,0.4);
}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(249,168,37,0.5)}
.btn-emerald{
  background:linear-gradient(135deg,var(--emerald),var(--emerald-light));
  color:#fff;
  box-shadow:0 4px 20px rgba(0,137,123,0.35);
}
.card{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:28px;
  box-shadow:var(--shadow-sm);
  transition:all var(--transition);
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.glass-card{
  background:var(--glass);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  border:1px solid var(--glass-border);
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-md);
}

/* ── HEADER ── */
#header{
  position:fixed;top:0;inset-inline:0;z-index:1000;
  height:var(--header-h);
  background:var(--glass);
  backdrop-filter:blur(20px);
  -webkit-backdrop-filter:blur(20px);
  border-bottom:1px solid var(--border);
  transition:all var(--transition);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  height:100%;gap:16px;
}
.logo{display:flex;align-items:center;gap:10px;flex-shrink:0}
.logo-icon{
  width:42px;height:42px;border-radius:12px;
  background:linear-gradient(135deg,var(--primary),var(--primary-light));
  display:flex;align-items:center;justify-content:center;
  font-size:1.3rem;color:#fff;box-shadow:0 4px 12px rgba(21,101,192,0.3);
}
.logo-text{display:flex;flex-direction:column;line-height:1.2}
.logo-text span:first-child{font-size:1rem;font-weight:800;color:var(--text)}
.logo-text span:last-child{font-size:0.65rem;font-weight:500;color:var(--text3)}
nav{display:flex;align-items:center;gap:4px}
nav a{
  padding:8px 12px;border-radius:10px;
  font-size:0.88rem;font-weight:500;color:var(--text2);
  transition:all var(--transition);
}
nav a:hover{background:var(--primary-pale);color:var(--primary)}
.header-actions{display:flex;align-items:center;gap:10px}
.lang-btn{
  display:flex;align-items:center;gap:5px;
  padding:7px 13px;border-radius:50px;
  font-size:0.8rem;font-weight:700;
  background:var(--bg2);border:1px solid var(--border);
  color:var(--text2);transition:all var(--transition);
}
.lang-btn:hover{border-color:var(--primary);color:var(--primary)}
.theme-toggle{
  width:40px;height:40px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  background:var(--bg2);border:1px solid var(--border);
  color:var(--text2);font-size:1rem;transition:all var(--transition);
}
.theme-toggle:hover{border-color:var(--primary);color:var(--primary)}
.cta-header{
  padding:9px 18px;border-radius:50px;
  background:linear-gradient(135deg,var(--primary),var(--primary-light));
  color:#fff;font-size:0.82rem;font-weight:700;
  box-shadow:0 3px 12px rgba(21,101,192,0.3);transition:all var(--transition);
}
.cta-header:hover{transform:translateY(-1px);box-shadow:0 6px 18px rgba(21,101,192,0.4)}
.hamburger{
  display:none;width:40px;height:40px;border-radius:10px;
  background:var(--bg2);border:1px solid var(--border);
  flex-direction:column;align-items:center;justify-content:center;gap:5px;
}
.hamburger span{display:block;width:20px;height:2px;background:var(--text2);border-radius:2px;transition:all var(--transition)}
.mobile-menu{
  display:none;position:fixed;top:0;left:0;right:0;bottom:0;z-index:999;
  background:var(--surface);padding:80px 24px 24px;
  flex-direction:column;gap:8px;
  overflow-y:auto;
  width:100%;
  max-width:100vw;
  box-sizing:border-box;
}
.mobile-menu.open{display:flex}
.mobile-menu a{
  padding:14px 18px;border-radius:12px;
  font-size:1rem;font-weight:600;color:var(--text2);
  border:1px solid var(--border);
  transition:all var(--transition);
}
.mobile-menu a:hover{background:var(--primary-pale);color:var(--primary)}
.mobile-menu-close{
  position:absolute;top:16px;left:16px;
  width:40px;height:40px;border-radius:10px;
  background:var(--bg2);border:1px solid var(--border);
  font-size:1.3rem;color:var(--text2);
  display:flex;align-items:center;justify-content:center;
}
[dir="ltr"] .mobile-menu-close{left:auto;right:16px}

/* ── HERO ── */
#hero{
  min-height:100svh;
  padding-top:calc(var(--header-h) + 60px);
  padding-bottom:80px;
  background:linear-gradient(145deg,var(--bg) 0%,var(--bg3) 50%,var(--bg2) 100%);
  position:relative;overflow:hidden;
  display:flex;align-items:center;
}
.hero-bg-blob{
  position:absolute;border-radius:50%;filter:blur(80px);opacity:0.18;pointer-events:none;
}
.hero-bg-blob:nth-child(1){
  width:600px;height:600px;
  background:var(--primary);
  top:-200px;right:-200px;
}
.hero-bg-blob:nth-child(2){
  width:400px;height:400px;
  background:var(--emerald);
  bottom:-100px;left:-100px;
}
.hero-bg-blob:nth-child(3){
  width:300px;height:300px;
  background:var(--gold);
  top:50%;left:40%;
}
.hero-grid{
  display:grid;grid-template-columns:1fr 1fr;
  align-items:center;gap:60px;
  position:relative;z-index:1;
}
.hero-label{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--primary-pale);border:1px solid var(--border);
  color:var(--primary);font-size:0.82rem;font-weight:700;
  padding:7px 14px;border-radius:50px;margin-bottom:20px;
}
.hero-label .dot{width:7px;height:7px;border-radius:50%;background:var(--primary);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:0.5;transform:scale(0.7)}}
.hero-title{
  font-size:clamp(2rem,5vw,3.2rem);
  font-weight:900;line-height:1.25;
  color:var(--text);margin-bottom:16px;
}
.hero-title .accent{
  background:linear-gradient(135deg,var(--primary),var(--emerald));
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;
}
.hero-sub{font-size:1.05rem;color:var(--text3);margin-bottom:32px;line-height:1.8}
.hero-actions{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:40px}
.hero-badges{display:flex;gap:20px;flex-wrap:wrap}
.hero-badge{
  display:flex;align-items:center;gap:8px;
  font-size:0.82rem;font-weight:600;color:var(--text3);
}
.hero-badge .icon{
  width:32px;height:32px;border-radius:8px;
  background:var(--primary-pale);
  display:flex;align-items:center;justify-content:center;
  font-size:1rem;
}
.hero-visual{position:relative}
.hero-main-card{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--radius-xl);
  padding:32px;
  box-shadow:var(--shadow-lg);
  position:relative;
}
.hero-main-card-header{
  display:flex;align-items:center;gap:12px;margin-bottom:24px;
}
.hero-main-card-icon{
  width:48px;height:48px;border-radius:14px;
  background:linear-gradient(135deg,var(--primary),var(--primary-light));
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;color:#fff;
}
.hero-chart{height:120px;position:relative;margin-bottom:20px}
.hero-chart svg{width:100%;height:100%}
.hero-stats-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}
.hero-stat{
  text-align:center;padding:12px;
  background:var(--bg2);border-radius:12px;
  border:1px solid var(--border);
}
.hero-stat-num{font-size:1.3rem;font-weight:900;color:var(--primary)}
.hero-stat-lbl{font-size:0.7rem;color:var(--text3);margin-top:2px}
.floating-card{
  position:absolute;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:12px 16px;
  box-shadow:var(--shadow-md);
  display:flex;align-items:center;gap:10px;
  animation:float 4s ease-in-out infinite;
  z-index:2;
}
.floating-card:nth-child(2){animation-delay:1s}
.floating-card:nth-child(3){animation-delay:2s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.fc-1{top:-20px;left:-20px}
.fc-2{bottom:-16px;right:-16px;animation-delay:2s}
.fc-icon{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
.fc-text strong{display:block;font-size:0.82rem;font-weight:700;color:var(--text)}
.fc-text span{font-size:0.7rem;color:var(--text3)}

/* ── WHY INSURANCE ── */
#why{background:var(--bg)}
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px;margin-top:48px}
.why-card{
  padding:32px;border-radius:var(--radius-lg);
  background:var(--surface);border:1px solid var(--border);
  box-shadow:var(--shadow-sm);transition:all var(--transition);
  position:relative;overflow:hidden;
}
.why-card::before{
  content:'';position:absolute;top:0;right:0;
  width:80px;height:80px;border-radius:0 var(--radius-lg) 0 80px;
  transition:all var(--transition);
}
.why-card:nth-child(1)::before{background:rgba(21,101,192,0.07)}
.why-card:nth-child(2)::before{background:rgba(0,137,123,0.07)}
.why-card:nth-child(3)::before{background:rgba(249,168,37,0.07)}
.why-card:nth-child(4)::before{background:rgba(144,164,174,0.07)}
.why-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.why-icon{
  width:56px;height:56px;border-radius:16px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.6rem;margin-bottom:18px;
}
.why-card:nth-child(1) .why-icon{background:var(--primary-pale);color:var(--primary)}
.why-card:nth-child(2) .why-icon{background:var(--emerald-pale);color:var(--emerald)}
.why-card:nth-child(3) .why-icon{background:var(--gold-pale);color:var(--gold)}
.why-card:nth-child(4) .why-icon{background:rgba(144,164,174,0.1);color:var(--silver)}
.why-title{font-size:1.1rem;font-weight:800;color:var(--text);margin-bottom:10px}
.why-text{font-size:0.9rem;color:var(--text3);line-height:1.8}

/* ── SERVICES ── */
#services{background:var(--bg2)}
.services-header{text-align:center;margin-bottom:56px}
.services-tabs{display:flex;justify-content:center;gap:8px;flex-wrap:wrap;margin-bottom:40px}
.tab-btn{
  padding:10px 22px;border-radius:50px;
  font-size:0.88rem;font-weight:700;
  background:var(--surface);border:2px solid var(--border);
  color:var(--text2);transition:all var(--transition);
}
.tab-btn.active,.tab-btn:hover{
  background:linear-gradient(135deg,var(--primary),var(--primary-light));
  color:#fff;border-color:transparent;
  box-shadow:0 4px 14px rgba(21,101,192,0.3);
}
.tab-panel{display:none}
.tab-panel.active{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:16px}
.service-item{
  padding:20px;border-radius:var(--radius);
  background:var(--surface);border:1px solid var(--border);
  display:flex;align-items:flex-start;gap:12px;
  transition:all var(--transition);cursor:default;
}
.service-item:hover{border-color:var(--primary);box-shadow:var(--shadow-sm);transform:translateX(-3px)}
[dir="ltr"] .service-item:hover{transform:translateX(3px)}
.service-item-icon{font-size:1.3rem;flex-shrink:0;margin-top:2px}
.service-item-text strong{display:block;font-size:0.88rem;font-weight:700;color:var(--text);margin-bottom:4px}
.service-item-text span{font-size:0.78rem;color:var(--text3)}

/* ── LIFE INSURANCE (MAIN FEATURE) ── */
#life{
  background:linear-gradient(135deg,var(--primary) 0%,#0d47a1 100%);
  color:#fff;position:relative;overflow:hidden;
}
#life::before{
  content:'';position:absolute;inset:0;
  background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Ccircle cx='30' cy='30' r='2'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.life-inner{position:relative;z-index:1}
.life-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.life-content .section-title{color:#fff}
.life-content .section-sub{color:rgba(255,255,255,0.75)}
.life-products{margin-top:32px;display:flex;flex-direction:column;gap:12px}
.life-product{
  display:flex;align-items:center;gap:14px;
  background:rgba(255,255,255,0.1);
  border:1px solid rgba(255,255,255,0.2);
  border-radius:var(--radius);
  padding:16px 20px;
  backdrop-filter:blur(10px);
  transition:all var(--transition);
}
.life-product:hover{background:rgba(255,255,255,0.18);transform:translateX(-4px)}
[dir="ltr"] .life-product:hover{transform:translateX(4px)}
.life-product-icon{
  width:40px;height:40px;border-radius:10px;
  background:rgba(255,255,255,0.15);
  display:flex;align-items:center;justify-content:center;
  font-size:1.2rem;flex-shrink:0;
}
.life-product-text strong{display:block;font-size:0.95rem;font-weight:700;color:#fff}
.life-product-text span{font-size:0.8rem;color:rgba(255,255,255,0.65)}
.life-visual{
  display:grid;grid-template-columns:1fr 1fr;gap:16px;
}
.life-stat-card{
  background:rgba(255,255,255,0.12);
  border:1px solid rgba(255,255,255,0.2);
  border-radius:var(--radius-lg);
  padding:24px;text-align:center;
  backdrop-filter:blur(10px);
  transition:all var(--transition);
}
.life-stat-card:hover{background:rgba(255,255,255,0.2);transform:translateY(-4px)}
.life-stat-card:first-child{grid-column:span 2;padding:32px}
.life-stat-num{font-size:2.5rem;font-weight:900;color:#fff;line-height:1}
.life-stat-unit{font-size:1rem;color:rgba(255,255,255,0.7);margin-top:4px}
.life-stat-lbl{font-size:0.82rem;color:rgba(255,255,255,0.6);margin-top:8px}

/* ── GOLD ── */
#gold{
  background:linear-gradient(145deg,#fff8e1 0%,#fffde7 50%,var(--bg) 100%);
}
[data-theme="dark"] #gold{
  background:linear-gradient(145deg,#1a1400 0%,#1f1800 50%,var(--bg) 100%);
}
.gold-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;margin-top:48px}
.gold-problems,.gold-solutions{display:flex;flex-direction:column;gap:12px}
.gold-item{
  display:flex;align-items:flex-start;gap:12px;
  padding:14px 18px;border-radius:var(--radius);
}
.gold-item.problem{
  background:rgba(239,83,80,0.06);border:1px solid rgba(239,83,80,0.15);
}
.gold-item.solution{
  background:var(--gold-pale);border:1px solid rgba(249,168,37,0.25);
}
.gold-item-icon{font-size:1.2rem;flex-shrink:0;margin-top:2px}
.gold-item-text strong{display:block;font-size:0.88rem;font-weight:700;color:var(--text);margin-bottom:3px}
.gold-item-text span{font-size:0.8rem;color:var(--text3)}
.gold-hero-card{
  background:linear-gradient(145deg,#f9a825,#ffca28,#ffe082);
  border-radius:var(--radius-xl);padding:40px;
  box-shadow:0 20px 60px rgba(249,168,37,0.4);
  text-align:center;color:#1a1200;
  position:relative;overflow:hidden;
}
.gold-hero-card::before{
  content:'💰';font-size:8rem;
  position:absolute;top:-20px;right:-20px;opacity:0.12;
}
.gold-hero-icon{font-size:4rem;margin-bottom:16px}
.gold-hero-title{font-size:1.6rem;font-weight:900;margin-bottom:10px}
.gold-hero-sub{font-size:0.95rem;opacity:0.8;line-height:1.7;margin-bottom:24px}

/* ── SILVER ── */
#silver{background:var(--bg2)}
.silver-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;margin-top:48px}
.silver-card{
  padding:28px;border-radius:var(--radius-lg);
  background:var(--surface);border:1px solid var(--border);
  text-align:center;transition:all var(--transition);
}
.silver-card:hover{transform:translateY(-6px);border-color:var(--silver);box-shadow:var(--shadow-md)}
.silver-icon{font-size:2.5rem;margin-bottom:14px}
.silver-title{font-size:0.95rem;font-weight:700;color:var(--text);margin-bottom:8px}
.silver-text{font-size:0.82rem;color:var(--text3);line-height:1.7}

/* ── PENSION ── */
#pension{background:var(--bg)}
.pension-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;margin-top:48px}
.pension-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-xl);padding:36px;
  box-shadow:var(--shadow-sm);transition:all var(--transition);
  position:relative;overflow:hidden;
}
.pension-card::after{
  content:'';position:absolute;bottom:0;right:0;left:0;
  height:4px;
  transition:all var(--transition);
}
.pension-card:nth-child(1)::after{background:linear-gradient(90deg,var(--primary),var(--primary-light))}
.pension-card:nth-child(2)::after{background:linear-gradient(90deg,var(--emerald),var(--emerald-light))}
.pension-card:nth-child(3)::after{background:linear-gradient(90deg,var(--gold),var(--gold-light))}
.pension-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.pension-icon{font-size:2.8rem;margin-bottom:20px}
.pension-title{font-size:1.25rem;font-weight:800;color:var(--text);margin-bottom:10px}
.pension-sub{font-size:0.88rem;color:var(--text3);line-height:1.8;margin-bottom:20px}
.pension-features{display:flex;flex-direction:column;gap:8px}
.pension-feature{
  display:flex;align-items:center;gap:8px;
  font-size:0.85rem;color:var(--text2);
}
.pension-feature::before{content:'✓';font-weight:900;color:var(--emerald)}

/* ── WHY US ── */
#why-us{background:var(--bg2)}
.why-us-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;margin-top:48px}
.why-us-card{
  padding:28px;border-radius:var(--radius-lg);
  background:var(--surface);border:1px solid var(--border);
  text-align:center;transition:all var(--transition);
}
.why-us-card:hover{transform:translateY(-4px);border-color:var(--primary);box-shadow:var(--shadow-md)}
.why-us-icon{
  width:64px;height:64px;border-radius:20px;
  background:linear-gradient(135deg,var(--primary-pale),var(--emerald-pale));
  display:flex;align-items:center;justify-content:center;
  font-size:1.8rem;margin:0 auto 16px;
}
.why-us-title{font-size:1rem;font-weight:800;color:var(--text);margin-bottom:8px}
.why-us-text{font-size:0.83rem;color:var(--text3);line-height:1.7}

/* ── STATS ── */
#stats{
  background:linear-gradient(135deg,var(--emerald) 0%,#004d40 100%);
  color:#fff;
}
.stats-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:32px}
.stat-item{text-align:center;padding:24px}
.stat-num{font-size:3rem;font-weight:900;color:#fff;line-height:1}
.stat-suffix{font-size:1.5rem}
.stat-label{font-size:0.9rem;color:rgba(255,255,255,0.75);margin-top:8px}

/* ── TESTIMONIALS ── */
#testimonials{background:var(--bg)}
.testimonials-slider{margin-top:48px;position:relative}
.testimonials-track{
  display:flex;gap:24px;overflow-x:auto;scroll-snap-type:x mandatory;
  scrollbar-width:none;-ms-overflow-style:none;
  padding-bottom:8px;
}
.testimonials-track::-webkit-scrollbar{display:none}
.testimonial-card{
  min-width:320px;max-width:360px;
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-xl);padding:32px;
  box-shadow:var(--shadow-sm);scroll-snap-align:start;
  flex-shrink:0;transition:all var(--transition);
}
.testimonial-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}
.testimonial-stars{color:#ffc107;font-size:1.1rem;margin-bottom:14px}
.testimonial-text{font-size:0.92rem;color:var(--text2);line-height:1.8;margin-bottom:20px}
.testimonial-author{display:flex;align-items:center;gap:12px}
.testimonial-avatar{
  width:46px;height:46px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1.3rem;
  border:2px solid var(--border);
  background:var(--bg2);
}
.testimonial-author-info strong{display:block;font-size:0.88rem;font-weight:700;color:var(--text)}
.testimonial-author-info span{font-size:0.78rem;color:var(--text3)}
.slider-dots{display:flex;justify-content:center;gap:8px;margin-top:24px}
.slider-dot{width:8px;height:8px;border-radius:50%;background:var(--border);border:none;transition:all var(--transition)}
.slider-dot.active{background:var(--primary);width:24px;border-radius:4px}

/* ── FAQ ── */
#faq{background:var(--bg2)}
.faq-list{max-width:720px;margin:48px auto 0;display:flex;flex-direction:column;gap:12px}
.faq-item{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius);overflow:hidden;
  transition:all var(--transition);
}
.faq-item.open{border-color:var(--primary);box-shadow:var(--shadow-sm)}
.faq-question{
  width:100%;display:flex;align-items:center;justify-content:space-between;
  padding:20px 24px;text-align:right;
  font-size:0.95rem;font-weight:700;color:var(--text);
  cursor:pointer;background:none;border:none;font-family:inherit;
  transition:all var(--transition);gap:12px;
}
[dir="ltr"] .faq-question{text-align:left}
.faq-question:hover{color:var(--primary)}
.faq-arrow{
  font-size:0.9rem;color:var(--text3);flex-shrink:0;
  transition:transform var(--transition);
}
.faq-item.open .faq-arrow{transform:rotate(180deg)}
.faq-answer{
  max-height:0;overflow:hidden;
  transition:max-height 0.4s cubic-bezier(0.4,0,0.2,1);
}
.faq-item.open .faq-answer{max-height:300px}
.faq-answer-inner{padding:0 24px 20px;font-size:0.9rem;color:var(--text3);line-height:1.8}

/* ── FINAL CTA ── */
#cta-final{
  background:linear-gradient(135deg,#0d47a1 0%,var(--primary) 50%,var(--primary-light) 100%);
  color:#fff;text-align:center;position:relative;overflow:hidden;
}
#cta-final::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(circle at 30% 50%,rgba(255,255,255,0.08) 0%,transparent 60%),
             radial-gradient(circle at 70% 50%,rgba(0,137,123,0.2) 0%,transparent 60%);
}
.cta-final-inner{position:relative;z-index:1}
.cta-final-title{
  font-size:clamp(1.8rem,4vw,2.8rem);
  font-weight:900;color:#fff;
  margin-bottom:16px;
}
.cta-final-sub{font-size:1.05rem;color:rgba(255,255,255,0.75);margin-bottom:36px;max-width:580px;margin-left:auto;margin-right:auto}
.cta-final-actions{display:flex;justify-content:center;gap:16px;flex-wrap:wrap}
.btn-white{
  background:#fff;
  color:var(--primary);
  padding:16px 36px;border-radius:50px;
  font-size:1rem;font-weight:800;
  box-shadow:0 6px 24px rgba(0,0,0,0.2);
  transition:all var(--transition);
}
.btn-white:hover{transform:translateY(-3px);box-shadow:0 12px 36px rgba(0,0,0,0.3)}
.btn-ghost{
  background:rgba(255,255,255,0.12);
  border:2px solid rgba(255,255,255,0.35);
  color:#fff;padding:14px 28px;border-radius:50px;
  font-size:0.95rem;font-weight:700;
  transition:all var(--transition);
}
.btn-ghost:hover{background:rgba(255,255,255,0.2)}

/* ── CONTACT ── */
#contact{background:var(--bg)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;margin-top:48px}
.contact-items{display:flex;flex-direction:column;gap:16px}
.contact-item{
  display:flex;align-items:center;gap:14px;
  padding:18px 20px;border-radius:var(--radius);
  background:var(--surface);border:1px solid var(--border);
  transition:all var(--transition);
}
.contact-item:hover{border-color:var(--primary);transform:translateX(-4px)}
[dir="ltr"] .contact-item:hover{transform:translateX(4px)}
.contact-item-icon{
  width:44px;height:44px;border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.2rem;flex-shrink:0;
}
.contact-item-text strong{display:block;font-size:0.82rem;color:var(--text3);font-weight:500;margin-bottom:2px}
.contact-item-text a,.contact-item-text span{font-size:0.95rem;font-weight:600;color:var(--text)}
.contact-form{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-xl);padding:36px;
  box-shadow:var(--shadow-sm);
}
.form-title{font-size:1.2rem;font-weight:800;color:var(--text);margin-bottom:24px}
.form-group{margin-bottom:16px}
.form-label{display:block;font-size:0.83rem;font-weight:700;color:var(--text2);margin-bottom:6px}
.form-input,.form-select,.form-textarea{
  width:100%;padding:12px 16px;border-radius:10px;
  background:var(--bg2);border:1.5px solid var(--border);
  color:var(--text);font-family:inherit;font-size:0.9rem;
  transition:all var(--transition);outline:none;
}
.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--primary);background:var(--surface)}
.form-textarea{resize:vertical;min-height:100px}
.form-submit{width:100%;margin-top:8px}

/* ── FOOTER ── */
footer{background:var(--bg3);border-top:1px solid var(--border);padding:64px 0 32px}
@media(max-width:1024px){footer{padding-bottom:90px}}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px}
.footer-brand .logo{margin-bottom:16px}
.footer-brand p{font-size:0.85rem;color:var(--text3);line-height:1.8;max-width:280px}
.footer-socials{display:flex;gap:10px;margin-top:20px}
.social-btn{
  width:38px;height:38px;border-radius:10px;
  background:var(--surface);border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;
  font-size:1rem;transition:all var(--transition);color:var(--text3);
}
.social-btn:hover{background:var(--primary);border-color:var(--primary);color:#fff;transform:translateY(-2px)}
.footer-col h4{font-size:0.95rem;font-weight:800;color:var(--text);margin-bottom:16px}
.footer-col ul li{margin-bottom:10px}
.footer-col ul li a{font-size:0.85rem;color:var(--text3);transition:color var(--transition)}
.footer-col ul li a:hover{color:var(--primary)}
.footer-bottom{
  border-top:1px solid var(--border);padding-top:24px;
  display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px;
}
.footer-bottom p{font-size:0.82rem;color:var(--text3)}

/* ── FLOATING WA ── */
.wa-float{
  position:fixed;bottom:90px;left:20px;z-index:900;
  width:52px;height:52px;border-radius:50%;
  background:#25d366;
  display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;color:#fff;
  box-shadow:0 4px 20px rgba(37,211,102,0.5);
  animation:float 3s ease-in-out infinite;
  transition:all var(--transition);
}
[dir="ltr"] .wa-float{left:auto;right:20px}
.wa-float:hover{transform:scale(1.1)}
.sticky-bottom-cta{
  display:none;position:fixed;bottom:0;inset-inline:0;z-index:800;
  padding:12px 20px;
  background:var(--surface);border-top:1px solid var(--border);
  box-shadow:0 -4px 20px rgba(0,0,0,0.1);
}
.sticky-bottom-cta .btn{width:100%;justify-content:center}

/* ── REVEAL ANIMATION ── */
.reveal{opacity:0;transform:translateY(30px);transition:opacity 0.7s ease,transform 0.7s ease}
.reveal.visible{opacity:1;transform:translateY(0)}
.reveal-delay-1{transition-delay:0.1s}
.reveal-delay-2{transition-delay:0.2s}
.reveal-delay-3{transition-delay:0.3s}
.reveal-delay-4{transition-delay:0.4s}

/* ── RESPONSIVE ── */
@media(max-width:1024px){
  .hero-grid,.life-grid,.gold-grid,.contact-grid{grid-template-columns:1fr;gap:40px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
  nav{display:none}
  .hamburger{display:flex}
  .cta-header{display:none}
  .sticky-bottom-cta{display:block}
  .hero-visual{max-width:500px;margin:0 auto}
}
@media(max-width:640px){
  .container{padding:0 16px}
  .section-pad{padding:64px 0}
  .hero-badges{gap:12px}
  .life-visual{grid-template-columns:1fr}
  .life-stat-card:first-child{grid-column:auto}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;text-align:center;gap:6px}
  .footer-bottom p{white-space:normal;font-size:0.78rem}
  .hero-actions{flex-direction:column;align-items:flex-start;width:100%}
  .hero-actions .btn{width:100%;justify-content:center}
  [dir="ltr"] .hero-actions{align-items:flex-start}
  .contact-form{padding:24px 16px}
  .hero-stats-row{grid-template-columns:1fr 1fr 1fr}
  .floating-card{display:none}
  .tab-btn{padding:8px 14px;font-size:0.8rem}
  .pension-grid{grid-template-columns:1fr}
  .why-grid{grid-template-columns:1fr}
  .why-us-grid{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr}
  .testimonial-card{min-width:280px}
  .cta-final-actions{flex-direction:column;align-items:center}
  .cta-final-actions .btn{width:100%;max-width:320px;justify-content:center}
  /* Header mobile: bigger logo, show subtitle, compress action buttons */
  .logo-text span:first-child{font-size:1rem;font-weight:900}
  .logo-text span:last-child{display:block;font-size:0.6rem}
  .logo-icon{width:36px;height:36px;font-size:1rem}
  .header-actions{gap:6px}
  .lang-btn{padding:6px 9px;font-size:0.75rem}
  .lang-btn span:first-child{display:none}
  .theme-toggle{width:32px;height:32px;font-size:0.85rem}
  .hamburger{width:34px;height:34px}
}
/* ── MODAL ── */
@keyframes modalIn{from{opacity:0;transform:scale(.92) translateY(20px)}to{opacity:1;transform:scale(1) translateY(0)}}
#licenseModal.open{display:flex!important}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:0.01ms!important;transition-duration:0.01ms!important}
}

/* Segment header fix for ltr */
[dir="ltr"] .hero-grid{direction:ltr}
[dir="ltr"] nav a{font-family:'dana',sans-serif}