*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
:root{
  --gold:#B8935A;--gold-l:#D4AE7A;--gold-p:#F5EDD8;--gold-f:#FBF7F0;
  --dark:#1A1612;--dark2:#2C2620;--mid:#888070;--light:#F9F5EE;
  --serif:'Cormorant Garamond',Georgia,serif;--sans:'DM Sans',system-ui,sans-serif;
}
html{scroll-behavior:smooth;}
body{font-family:var(--sans);background:var(--light);color:var(--dark);font-size:17px;line-height:1.75;overflow-x:hidden;}
::-webkit-scrollbar{width:4px;}::-webkit-scrollbar-track{background:var(--dark);}::-webkit-scrollbar-thumb{background:var(--gold);}

/* TOP BAR */
.topbar{background:#100D0A;padding:.38rem 5vw;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.4rem;}
.tb-l{font-size:.72rem;color:rgba(255,255,255,.38);}
.tb-r{display:flex;gap:1.2rem;align-items:center;}
.tb-r a{font-size:.72rem;color:rgba(255,255,255,.55);text-decoration:none;transition:color .2s;}
.tb-r a:hover{color:var(--gold);}
.social-icons{display:flex;gap:.6rem;margin-left:.5rem;}
.social-icons a{width:24px;height:24px;border:1px solid rgba(255,255,255,.18);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.62rem;color:rgba(255,255,255,.5);text-decoration:none;transition:background .2s,color .2s,border-color .2s;}
.social-icons a:hover{background:var(--gold);color:var(--dark);border-color:var(--gold);}

/* NAV */
nav{position:sticky;top:0;z-index:200;background:rgba(26,22,18,.98);backdrop-filter:blur(14px);display:flex;align-items:center;justify-content:space-between;padding:0 5vw;height:104px;border-bottom:1px solid rgba(184,147,90,.18);}
.nav-logo{display:flex;align-items:center;gap:1.05rem;text-decoration:none;white-space:nowrap;}
.nav-logo img{height:76px;width:auto;max-width:105px;object-fit:contain;display:block;}
.logo-wordmark{display:flex;flex-direction:row;align-items:baseline;gap:.35rem;line-height:1;letter-spacing:.12em;font-family:var(--serif);font-weight:700;font-size:2.05rem;text-transform:uppercase;}
.logo-wordmark .kanz{color:#fff;}
.logo-wordmark .wealth{color:var(--gold);}
.nav-links{display:flex;gap:1.3rem;list-style:none;align-items:center;}
.nav-links a{font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.6);text-decoration:none;transition:color .2s;}
.nav-links a:hover{color:var(--gold);}
.nav-cta{background:var(--gold)!important;color:var(--dark)!important;padding:.44rem 1.1rem!important;font-weight:500!important;}
.nav-cta:hover{background:var(--gold-l)!important;}

/* BUTTONS */
.btn-gold{background:var(--gold);color:var(--dark);padding:.9rem 2rem;font-size:.96rem;font-weight:600;letter-spacing:.04em;border:none;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:.4rem;transition:background .2s,transform .15s;white-space:nowrap;}
.btn-gold:hover{background:var(--gold-l);transform:translateY(-2px);}
.btn-ghost{background:transparent;color:#fff;padding:.9rem 2rem;font-size:.96rem;border:1px solid rgba(255,255,255,.28);cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:.4rem;transition:border-color .2s,color .2s;white-space:nowrap;}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold);}
.btn-wa{background:#25D366;color:#fff;padding:.78rem 1.8rem;font-size:.85rem;font-weight:500;border:none;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:.4rem;transition:background .2s;white-space:nowrap;}
.btn-wa:hover{background:#1da854;}
.btn-dark{background:var(--dark);color:#fff;padding:.78rem 1.8rem;font-size:.85rem;font-weight:500;border:none;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:.4rem;transition:background .2s;}
.btn-dark:hover{background:#0a0806;}

/* FLOATING WA */
.wa-float{position:fixed;bottom:1.75rem;right:1.75rem;z-index:999;background:#25D366;color:#fff;width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.5rem;text-decoration:none;box-shadow:0 4px 18px rgba(37,211,102,.45);transition:transform .2s;}
.wa-float:hover{transform:scale(1.1);}
.wa-tip{position:absolute;right:64px;background:var(--dark);color:#fff;font-size:.7rem;white-space:nowrap;padding:.35rem .7rem;border-radius:3px;opacity:0;transition:opacity .2s;pointer-events:none;}
.wa-float:hover .wa-tip{opacity:1;}

/* ═══ HERO CAROUSEL ═══ */
.hero{position:relative;height:100vh;min-height:640px;overflow:hidden;background:linear-gradient(90deg,var(--dark) 0%,var(--dark) 50%,#000 50%,#000 100%);}
.carousel{position:absolute;top:0;right:0;bottom:0;left:50%;width:50%;height:100%;overflow:hidden;border-left:1px solid rgba(184,147,90,.22);}
.slide{position:absolute;inset:0;opacity:0;transition:opacity 1.2s ease;background-size:cover;background-position:center;}
.slide.active{opacity:1;}
.slide.active img{animation:none;}
@keyframes zoomIn{from{transform:scale(1);}to{transform:scale(1.06);}}
.slide.active{opacity:1;}
.slide-overlay{position:absolute;inset:0;background:linear-gradient(to right,rgba(26,22,18,.18) 0%,rgba(26,22,18,.04) 45%,rgba(26,22,18,.10) 100%);}
.slide img{width:100%;height:100%;object-fit:contain;object-position:center center;display:block;background:#070604;}
.hero-content{position:absolute;top:0;left:0;bottom:0;width:50%;z-index:10;display:flex;flex-direction:column;justify-content:center;padding:5.5rem 4.8vw 8rem 5vw;max-width:none;background:linear-gradient(90deg,rgba(26,22,18,1) 0%,rgba(26,22,18,1) 86%,rgba(26,22,18,.96) 100%);}
.eyebrow{font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);display:flex;align-items:center;gap:.65rem;margin-bottom:1.3rem;font-weight:500;}
.eyebrow::before{content:'';display:block;width:26px;height:1px;background:var(--gold);}
.hero h1{font-family:var(--serif);font-size:clamp(3.2rem,4.8vw,5.4rem);font-weight:600;line-height:1.04;color:#fff;margin-bottom:1.45rem;letter-spacing:.01em;}
.hero h1 em{font-style:italic;color:var(--gold);}
.hero-desc{font-size:1.22rem;color:rgba(255,255,255,.9);max-width:560px;line-height:1.85;margin-bottom:2.35rem;}
.hero-btns{display:flex;gap:.85rem;flex-wrap:wrap;}
.hero-stats{display:flex;gap:2rem;margin-top:2.5rem;padding-top:2rem;border-top:1px solid rgba(255,255,255,.08);flex-wrap:wrap;}
.stat-n{font-family:var(--serif);font-size:2rem;font-weight:600;color:var(--gold);line-height:1;margin-bottom:.18rem;}
.stat-l{font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.55);}
/* Carousel controls */
.carousel-dots{position:absolute;bottom:2rem;left:75%;transform:translateX(-50%);z-index:20;display:flex;gap:.5rem;}
.dot{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.35);cursor:pointer;transition:background .2s,transform .2s;}
.dot.active{background:var(--gold);transform:scale(1.3);}
.carousel-btn{position:absolute;top:50%;transform:translateY(-50%);z-index:20;background:rgba(184,147,90,.2);border:1px solid rgba(184,147,90,.4);color:#fff;width:44px;height:44px;border-radius:50%;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:1.1rem;transition:background .2s;backdrop-filter:blur(4px);}
.carousel-btn:hover{background:var(--gold);color:var(--dark);}
.carousel-btn.prev{left:52%;}
.carousel-btn.next{right:2vw;}
.trust-bar{display:none!important;}
.ti{font-size:.67rem;letter-spacing:.07em;color:rgba(255,255,255,.55);text-transform:uppercase;display:flex;align-items:center;gap:.38rem;}
.ti::before{content:'✦';color:var(--gold);font-size:.5rem;}

/* KEY STATS TICKER */
.stats-ticker{display:none!important;}
.ticker-track{display:flex;gap:0;animation:ticker 22s linear infinite;white-space:nowrap;}
.ticker-track:hover{animation-play-state:paused;}
.ticker-item{display:flex;align-items:center;gap:.5rem;padding:0 2.5rem;font-size:.82rem;font-weight:500;color:var(--dark);letter-spacing:.04em;white-space:nowrap;}
.ticker-item::before{content:'◆';font-size:.5rem;color:rgba(26,22,18,.4);}
@keyframes ticker{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}

/* SHARED SECTION */
section{padding:5rem 5vw;}
.sl{font-size:.65rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);display:flex;align-items:center;gap:.6rem;margin-bottom:.7rem;}
.sl::before{content:'';display:block;width:18px;height:1px;background:var(--gold);}
.sh{font-family:var(--serif);font-size:clamp(1.75rem,2.9vw,2.7rem);font-weight:500;line-height:1.18;color:var(--dark);margin-bottom:.9rem;}
.sh em{font-style:italic;color:var(--gold);}
.sh-w{color:#fff;}
.bw{font-size:.93rem;color:rgba(255,255,255,.72);line-height:1.88;margin-bottom:.9rem;}
.bd{font-size:.93rem;color:#555;line-height:1.88;}

/* ABOUT — expanded */
.about{background:var(--dark);}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:4.5rem;align-items:start;}
.about-img-wrap{position:relative;top:0;}
.about-img-wrap img{width:100%;height:460px;object-fit:cover;object-position:center top;display:block;}
.about-badge{position:absolute;bottom:-1rem;right:-1rem;background:var(--gold);color:var(--dark);padding:1.2rem;text-align:center;}
.ab-n{font-family:var(--serif);font-size:2rem;font-weight:600;line-height:1;display:block;}
.ab-t{font-size:.6rem;text-transform:uppercase;letter-spacing:.1em;display:block;margin-top:.12rem;}
.mv-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.5rem 0;}
.mv-card{background:rgba(184,147,90,.07);border:1px solid rgba(184,147,90,.2);padding:1.1rem 1.2rem;}
.mv-label{font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:.3rem;}
.mv-text{font-size:.83rem;color:rgba(255,255,255,.65);line-height:1.68;}
.founder-box{background:rgba(184,147,90,.05);border:1px solid rgba(184,147,90,.2);border-left:3px solid var(--gold);padding:1.3rem;margin-top:1.2rem;}
.founder-name{font-family:var(--serif);font-size:1.1rem;font-weight:600;color:var(--gold);margin-bottom:.15rem;}
.founder-title{font-size:.67rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.38);margin-bottom:.6rem;}
.founder-bio{font-size:.8rem;color:rgba(255,255,255,.62);line-height:1.75;}
.creds-tags{display:flex;flex-wrap:wrap;gap:.35rem;margin-top:.75rem;}
.cred-tag{font-size:.65rem;background:rgba(184,147,90,.12);border:1px solid rgba(184,147,90,.2);color:var(--gold-l);padding:.18rem .5rem;letter-spacing:.04em;}

/* WHY CHOOSE */
.why{background:var(--gold-p);}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:start;}
.wc-list{margin-top:1.5rem;display:flex;flex-direction:column;gap:.7rem;}
.wc-item{display:flex;align-items:flex-start;gap:.75rem;}
.wc-check{width:20px;height:20px;background:var(--gold);display:flex;align-items:center;justify-content:center;font-size:.62rem;color:var(--dark);font-weight:700;flex-shrink:0;margin-top:2px;}
.wc-txt{font-size:.85rem;color:#3a3028;line-height:1.68;}
.wc-txt strong{color:var(--dark);font-weight:600;}
.contact-box{background:var(--dark);padding:2.5rem;}
.cb-bar{height:3px;width:44px;background:linear-gradient(90deg,var(--gold),transparent);margin-bottom:1.1rem;}
.cb-q{font-family:var(--serif);font-size:1.2rem;font-style:italic;color:#fff;line-height:1.45;margin-bottom:.5rem;}
.cb-attr{font-size:.73rem;color:rgba(255,255,255,.32);margin-bottom:1.2rem;}
.cb-lines{display:flex;flex-direction:column;gap:.38rem;padding-top:1.1rem;border-top:1px solid rgba(255,255,255,.08);}
.cb-line{font-size:.79rem;color:rgba(255,255,255,.65);}
.cb-line strong{color:var(--gold);font-weight:400;}
.cb-btns{display:flex;gap:.65rem;margin-top:1.2rem;flex-wrap:wrap;}

/* SERVICES */
.services{background:var(--light);}
.svc-hdr{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:2.5rem;flex-wrap:wrap;gap:1.2rem;}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5px;background:rgba(184,147,90,.15);}
.svc{background:var(--light);padding:1.85rem 1.5rem;transition:background .2s,transform .2s;}
.svc:hover{background:#fff;transform:translateY(-3px);}
.svc-icon{width:40px;height:40px;border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;margin-bottom:1rem;font-family:var(--serif);font-size:1rem;font-weight:600;color:var(--gold);transition:background .2s,color .2s;}
.svc:hover .svc-icon{background:var(--gold);color:var(--dark);}
.svc-t{font-family:var(--serif);font-size:1.12rem;font-weight:600;color:var(--dark);margin-bottom:.42rem;}
.svc-d{font-size:.81rem;color:#444;line-height:1.78;}
.svc-tags{display:flex;flex-wrap:wrap;gap:.3rem;margin-top:.7rem;}
.tag{font-size:.62rem;background:var(--gold-p);color:var(--dark2);padding:.18rem .46rem;}

/* EXTRA VALUE */
.extra{background:var(--dark);}
.extra-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5px;background:rgba(184,147,90,.12);margin-top:2.5rem;}
.ex{background:var(--dark);padding:1.85rem 1.5rem;}
.ex-n{font-family:var(--serif);font-size:1.05rem;font-weight:600;color:var(--gold);margin-bottom:.45rem;}
.ex-d{font-size:.81rem;color:rgba(255,255,255,.65);line-height:1.78;}

/* GOALS */
.goals{background:var(--gold-p);}
.goals-intro{max-width:600px;margin-bottom:2.2rem;}
.goals-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.9rem;}
.gc{background:#fff;border:1px solid var(--gold-p);padding:1rem 1.1rem;display:flex;align-items:flex-start;gap:.85rem;transition:background .2s,border-color .2s;}
.gc:hover{background:var(--gold-p);border-color:var(--gold);}
.gc-ico{font-size:1.15rem;flex-shrink:0;margin-top:2px;}
.gc-t{font-family:var(--serif);font-size:.92rem;font-weight:600;color:var(--dark);margin-bottom:.1rem;}
.gc-d{font-size:.74rem;color:#555;line-height:1.58;}

/* INSURANCE */
.ins{background:var(--light);}
.ins-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:2rem;}
.ins-card{background:#fff;border:1px solid var(--gold-p);padding:1.25rem 1rem;transition:background .2s,border-color .2s;}
.ins-card:hover{background:var(--gold-p);border-color:var(--gold);}
.ins-ico{font-size:1.3rem;margin-bottom:.55rem;}
.ins-t{font-family:var(--serif);font-size:.98rem;font-weight:600;color:var(--dark);margin-bottom:.3rem;}
.ins-d{font-size:.78rem;color:#555;line-height:1.68;}
.ins-promise{margin-top:2rem;background:var(--dark);padding:1.9rem;display:grid;grid-template-columns:1fr 1fr;gap:2rem;}
.ip-t{font-family:var(--serif);font-size:1.3rem;font-weight:600;color:var(--gold);margin-bottom:.6rem;}
.ip-d{font-size:.84rem;color:rgba(255,255,255,.68);line-height:1.82;}
.ip-steps{list-style:none;}
.ip-steps li{font-size:.8rem;color:rgba(255,255,255,.65);display:flex;align-items:flex-start;gap:.62rem;line-height:1.6;padding:.3rem 0;border-bottom:1px solid rgba(255,255,255,.05);}
.ip-n{font-family:var(--serif);font-size:.85rem;font-weight:600;color:var(--gold);flex-shrink:0;min-width:18px;}

/* NRI */
.nri{background:var(--dark2);}
.nri-grid{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center;}
.nri-pts{margin-top:1.3rem;display:grid;grid-template-columns:1fr 1fr;gap:.8rem;}
.nri-pt{background:rgba(184,147,90,.07);border:1px solid rgba(184,147,90,.14);padding:1rem;}
.nri-pt-t{font-family:var(--serif);font-size:.88rem;font-weight:600;color:var(--gold);margin-bottom:.24rem;}
.nri-pt-d{font-size:.76rem;color:rgba(255,255,255,.65);line-height:1.6;}
.nri-img img{width:100%;height:440px;object-fit:cover;display:block;filter:brightness(.72) saturate(.6);}
.nri-cap{font-size:.64rem;color:rgba(255,255,255,.25);text-align:center;padding:.38rem;background:var(--dark);text-transform:uppercase;letter-spacing:.05em;}

/* TEAM */
.team{background:#fff;}
.team-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.2rem;margin-top:2.5rem;align-items:start;}
.team-row2{grid-template-columns:repeat(3,1fr);margin-top:1.2rem;padding-top:1.2rem;border-top:1px solid var(--gold-p);}
.tc{text-align:center;}
.tc-img{width:115px;height:115px;border-radius:50%;border:3px solid var(--gold-p);margin:0 auto .9rem;overflow:hidden;transition:border-color .25s;background:var(--gold-p);}
.tc:hover .tc-img{border-color:var(--gold);}
.tc-img img{width:100%;height:100%;object-fit:cover;object-position:top center;}
.tc-name{font-family:var(--serif);font-size:1.12rem;font-weight:600;color:var(--dark);margin-bottom:.08rem;}
.tc-role{font-size:.62rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.45rem;}
.tc-bio{font-size:.78rem;color:#555;line-height:1.68;max-width:240px;margin:0 auto;}

/* TESTIMONIALS */
.testi{background:var(--dark);overflow:hidden;}
.testi-marquee{position:relative;margin-top:2.5rem;overflow:hidden;}
.testi-marquee::before,.testi-marquee::after{content:"";position:absolute;top:0;width:90px;height:100%;z-index:2;pointer-events:none;}
.testi-marquee::before{left:0;background:linear-gradient(90deg,var(--dark),transparent);}
.testi-marquee::after{right:0;background:linear-gradient(270deg,var(--dark),transparent);}
.testi-track{display:flex;gap:1rem;width:max-content;animation:testiScroll 45s linear infinite;}
.testi-marquee:hover .testi-track{animation-play-state:paused;}
.testc{background:rgba(255,255,255,.035);border:1px solid rgba(184,147,90,.14);padding:1.6rem 1.35rem;width:340px;min-height:245px;flex:0 0 auto;border-radius:18px;box-shadow:0 14px 34px rgba(0,0,0,.18);transition:transform .25s,background .25s,border-color .25s;}
.testc:hover{transform:translateY(-6px);background:rgba(184,147,90,.08);border-color:rgba(184,147,90,.35);}
.t-head{display:flex;align-items:center;gap:.75rem;margin-bottom:.75rem;}
.t-avatar{width:46px;height:46px;border-radius:50%;overflow:hidden;border:2px solid rgba(184,147,90,.45);background:var(--gold-p);flex-shrink:0;}
.t-avatar img{width:100%;height:100%;object-fit:cover;object-position:top center;display:block;}
.t-avatar-fallback{width:46px;height:46px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:rgba(184,147,90,.18);color:var(--gold);font-family:var(--serif);font-size:1.1rem;font-weight:600;border:2px solid rgba(184,147,90,.3);flex-shrink:0;}
.tq{font-family:var(--serif);font-size:1.6rem;color:rgba(184,147,90,.28);line-height:1;margin-bottom:.3rem;}
.tt{font-size:.81rem;color:rgba(255,255,255,.68);line-height:1.83;margin-bottom:.8rem;font-style:italic;}
.tn{font-family:var(--serif);font-size:.92rem;font-weight:600;color:var(--gold);line-height:1.2;}
.tl{font-size:.66rem;color:rgba(255,255,255,.32);margin-top:.07rem;}
.t-stars{color:#F5C518;font-size:.75rem;margin-bottom:.1rem;}
@keyframes testiScroll{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}

/* WHO WE SERVE */
.serve{background:var(--dark2);}
.serve-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5px;background:rgba(184,147,90,.12);margin-top:2rem;}
.sc{background:var(--dark);padding:1.75rem 1.45rem;}
.sc-n{font-family:var(--serif);font-size:1.05rem;font-weight:600;color:var(--gold);margin-bottom:.38rem;}
.sc-d{font-size:.8rem;color:rgba(255,255,255,.65);line-height:1.75;}

/* CONTACT */
.contact-sec{background:var(--light);}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:start;}
.contact-cards{display:flex;flex-direction:column;gap:.8rem;margin-top:1.4rem;}
.cc{display:flex;align-items:center;gap:.9rem;background:#fff;border:1px solid var(--gold-p);padding:1rem 1.25rem;text-decoration:none;transition:border-color .2s,background .2s;}
.cc:hover{border-color:var(--gold);background:var(--gold-f);}
.cc-icon{width:38px;height:38px;background:var(--gold);display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0;}
.cc-lbl{font-size:.6rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:.08rem;}
.cc-val{font-family:var(--serif);font-size:.96rem;font-weight:600;color:var(--dark);}
.cc-sub{font-size:.69rem;color:var(--mid);}
.social-contact{margin-top:1.2rem;padding:1.2rem;background:#fff;border:1px solid var(--gold-p);}
.sc-title{font-size:.62rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.75rem;}
.sc-icons{display:flex;gap:.65rem;flex-wrap:wrap;}
.sc-btn{display:flex;align-items:center;gap:.4rem;padding:.45rem .9rem;background:var(--dark);color:#fff;text-decoration:none;font-size:.75rem;font-weight:500;transition:background .2s;border-radius:2px;}
.sc-btn:hover{background:var(--gold);color:var(--dark);}
.map-embed{margin-top:1rem;overflow:hidden;border:1px solid var(--gold-p);}
.appt{background:var(--dark);padding:2.4rem;}
.appt-t{font-family:var(--serif);font-size:1.4rem;font-weight:600;color:#fff;margin-bottom:.25rem;}
.appt-s{font-size:.77rem;color:rgba(255,255,255,.42);margin-bottom:1.4rem;}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;margin-bottom:.8rem;}
.fg{display:flex;flex-direction:column;gap:.26rem;margin-bottom:.8rem;}
.fl{font-size:.63rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.52);}
.fi{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);color:#fff;padding:.6rem .8rem;font-family:var(--sans);font-size:.83rem;outline:none;transition:border-color .2s;width:100%;}
.fi:focus{border-color:var(--gold);}
.fi option{background:var(--dark2);color:#fff;}
.f-sub{background:var(--gold);color:var(--dark);border:none;padding:.85rem 2rem;font-size:.85rem;font-weight:500;cursor:pointer;width:100%;transition:background .2s;display:flex;align-items:center;justify-content:center;gap:.42rem;}
.f-sub:hover{background:var(--gold-l);}
.f-note{font-size:.67rem;color:rgba(255,255,255,.28);text-align:center;margin-top:.5rem;}
.f-note a{color:var(--gold);text-decoration:none;}

/* CTA STRIP */
.cta-strip{background:var(--gold);padding:3.5rem 5vw;display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap;}
.cta-t{font-family:var(--serif);font-size:clamp(1.3rem,2.3vw,1.85rem);font-weight:500;color:var(--dark);max-width:540px;line-height:1.3;}
.cta-t em{font-style:italic;}
.cta-btns{display:flex;gap:.8rem;flex-wrap:wrap;}

/* FOOTER */
footer{background:#100D0A;padding:3.5rem 5vw 2rem;}
.ft{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2.5rem;padding-bottom:2.25rem;border-bottom:1px solid rgba(255,255,255,.06);}
.fl-row img{height:34px;width:auto;margin-bottom:.6rem;display:block;}
.f-tag{font-size:.77rem;color:rgba(255,255,255,.35);line-height:1.7;max-width:210px;}
.f-reg{margin-top:.9rem;background:rgba(184,147,90,.07);border:1px solid rgba(184,147,90,.18);padding:.8rem;font-size:.7rem;color:rgba(255,255,255,.45);line-height:1.65;}
.f-reg strong{color:var(--gold-l);font-weight:500;}
.fc-t{font-size:.62rem;letter-spacing:.17em;text-transform:uppercase;color:var(--gold);margin-bottom:.9rem;}
.fc-links{list-style:none;display:flex;flex-direction:column;gap:.38rem;}
.fc-links a{font-size:.79rem;color:rgba(255,255,255,.38);text-decoration:none;transition:color .2s;}
.fc-links a:hover{color:var(--gold);}
.fc-ci{font-size:.79rem;color:rgba(255,255,255,.38);margin-bottom:.38rem;line-height:1.55;}
.f-social{display:flex;gap:.5rem;margin-top:.75rem;}
.f-social a{width:30px;height:30px;border:1px solid rgba(255,255,255,.15);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.65rem;color:rgba(255,255,255,.4);text-decoration:none;transition:background .2s,color .2s,border-color .2s;}
.f-social a:hover{background:var(--gold);color:var(--dark);border-color:var(--gold);}
.fb{display:flex;justify-content:space-between;align-items:center;padding-top:1.5rem;font-size:.68rem;color:rgba(255,255,255,.22);flex-wrap:wrap;gap:1rem;}
.fb-legal{display:flex;gap:1.2rem;}
.fb-legal a{color:rgba(255,255,255,.22);text-decoration:none;}
.fb-legal a:hover{color:var(--gold);}

/* RESPONSIVE */
@media(max-width:1024px){
  .hero{height:auto;min-height:0;background:var(--dark);display:flex;flex-direction:column;}
  .carousel{position:relative;left:auto;right:auto;top:auto;bottom:auto;width:100%;height:420px;order:2;}
  .hero-content{position:relative;width:100%;min-height:560px;padding:4.5rem 6vw 3.5rem;order:1;}
  .carousel-dots{left:50%;}
  .carousel-btn.prev{left:2vw;}
  .nav-logo img{height:58px;max-width:82px;}
  .logo-wordmark{font-size:1.45rem;gap:.25rem;}
  .logo-wordmark{font-size:1.45rem;gap:.25rem;}
  .about-grid,.why-grid,.nri-grid,.contact-grid{grid-template-columns:1fr;gap:2.5rem;}
  .svc-grid{grid-template-columns:1fr 1fr;}
  .team-grid{grid-template-columns:repeat(2,1fr);}
  .team-row2{grid-template-columns:repeat(2,1fr);}
  .goals-grid,.ins-grid{grid-template-columns:repeat(2,1fr);}
  .ft{grid-template-columns:1fr 1fr;}
  .nav-links{display:none;}
  .f-row{grid-template-columns:1fr;}
  .ins-promise{grid-template-columns:1fr;}
  .mv-grid{grid-template-columns:1fr;}
}
@media(max-width:580px){
  .svc-grid,.goals-grid,.ins-grid,.nri-pts{grid-template-columns:1fr;}
  .team-grid,.team-row2{grid-template-columns:1fr;}
  .ft{grid-template-columns:1fr;}
  .hero h1{font-size:2.2rem;}
}

/* FINAL HERO AND LOGO FIXES */
.trust-bar,.stats-ticker{display:none!important;height:0!important;padding:0!important;margin:0!important;overflow:hidden!important;}
.nav-logo{gap:1rem!important;align-items:center!important;}
.nav-logo img{height:82px!important;max-width:98px!important;object-fit:contain!important;}
.logo-wordmark{display:flex!important;flex-direction:row!important;gap:.42rem!important;align-items:center!important;font-size:2.2rem!important;letter-spacing:.13em!important;white-space:nowrap!important;}
.logo-wordmark .kanz{color:var(--gold)!important;}
.logo-wordmark .wealth{color:#fff!important;}
.hero{background:var(--dark)!important;}
.carousel{left:50%!important;width:50%!important;background:#070604!important;display:flex!important;align-items:center!important;justify-content:center!important;}
.slide{background:#070604!important;}
.slide::before{content:'';position:absolute;inset:0;background-image:var(--slide-bg);background-size:cover;background-position:center;filter:blur(26px) brightness(.45);transform:scale(1.08);opacity:.8;}
.slide-overlay{background:linear-gradient(to right,rgba(26,22,18,.22),rgba(26,22,18,.03))!important;z-index:1;}
.slide img{position:relative;z-index:2;width:100%!important;height:100%!important;object-fit:contain!important;object-position:center center!important;background:transparent!important;padding:1.4rem!important;filter:drop-shadow(0 22px 40px rgba(0,0,0,.45));}
.hero-content{width:50%!important;background:linear-gradient(90deg,rgba(26,22,18,1),rgba(26,22,18,.98))!important;}
.hero h1{font-size:clamp(3.35rem,5vw,5.7rem)!important;}
.hero-desc{font-size:1.28rem!important;line-height:1.9!important;}
@media(max-width:1024px){.nav-logo img{height:64px!important;max-width:78px!important}.logo-wordmark{font-size:1.65rem!important}.carousel{left:auto!important;width:100%!important}.hero-content{width:100%!important}.slide img{padding:.8rem!important;}}
@media(max-width:580px){.logo-wordmark{font-size:1.25rem!important;letter-spacing:.08em!important}.nav-logo img{height:52px!important}.hero h1{font-size:2.45rem!important}.hero-desc{font-size:1.05rem!important}}



/* FINAL HERO VISIBILITY FIX */
nav{height:86px!important;padding:0 4vw!important;}
.nav-logo{display:flex!important;align-items:center!important;gap:1rem!important;text-decoration:none!important;min-width:320px!important;}
.nav-logo img{height:76px!important;width:auto!important;max-width:92px!important;object-fit:contain!important;display:block!important;}
.logo-wordmark{display:flex!important;align-items:baseline!important;gap:.45rem!important;font-family:var(--serif)!important;font-size:2.05rem!important;font-weight:700!important;letter-spacing:.06em!important;line-height:1!important;white-space:nowrap!important;}
.logo-wordmark .kanz{color:var(--gold)!important;}
.logo-wordmark .wealth{color:#fff!important;font-weight:500!important;}
.hero{position:relative!important;display:grid!important;grid-template-columns:minmax(0,1fr) minmax(0,1fr)!important;height:calc(100vh - 86px)!important;min-height:680px!important;background:var(--dark)!important;overflow:hidden!important;}
.hero-content{position:relative!important;top:auto!important;left:auto!important;bottom:auto!important;width:100%!important;max-width:none!important;z-index:10!important;display:flex!important;flex-direction:column!important;justify-content:center!important;padding:5rem 4.8vw 4.5rem 5vw!important;background:linear-gradient(90deg,rgba(26,22,18,1) 0%,rgba(26,22,18,.98) 100%)!important;}
.hero h1{font-size:clamp(3rem,5.2vw,5.6rem)!important;line-height:1.03!important;margin-bottom:1.35rem!important;color:#fff!important;text-shadow:0 2px 12px rgba(0,0,0,.25)!important;}
.hero-desc{font-size:1.12rem!important;line-height:1.85!important;max-width:560px!important;color:rgba(255,255,255,.82)!important;margin-bottom:2.1rem!important;}
.eyebrow{font-size:.82rem!important;letter-spacing:.18em!important;color:var(--gold)!important;}
.hero-btns .btn-gold,.hero-btns .btn-ghost{font-size:1rem!important;padding:1rem 2rem!important;border-radius:6px!important;}
.hero-stats{gap:1.75rem!important;margin-top:2.6rem!important;padding-top:2rem!important;}
.stat-n{font-size:2rem!important;}.stat-l{font-size:.72rem!important;}
.carousel{position:relative!important;inset:auto!important;left:auto!important;right:auto!important;top:auto!important;bottom:auto!important;width:100%!important;height:100%!important;display:block!important;background:#070604!important;border-left:1px solid rgba(184,147,90,.25)!important;overflow:hidden!important;}
.slide{position:absolute!important;inset:0!important;opacity:0!important;transition:opacity 1s ease!important;background:#070604!important;display:flex!important;align-items:center!important;justify-content:center!important;}
.slide.active{opacity:1!important;}
.slide-overlay{display:none!important;}
.slide img{width:100%!important;height:100%!important;object-fit:contain!important;object-position:center center!important;padding:1rem!important;display:block!important;filter:brightness(.92) contrast(1.04) saturate(1.02)!important;animation:none!important;}
.carousel-dots{position:absolute!important;bottom:2rem!important;left:75%!important;transform:translateX(-50%)!important;z-index:20!important;}
.carousel-btn.prev{left:52%!important;}.carousel-btn.next{right:2vw!important;}
.trust-bar,.stats-ticker{display:none!important;height:0!important;padding:0!important;margin:0!important;overflow:hidden!important;}
@media(max-width:1024px){
  nav{height:78px!important;}.nav-logo{min-width:auto!important}.nav-logo img{height:62px!important}.logo-wordmark{font-size:1.65rem!important;}
  .hero{display:flex!important;flex-direction:column!important;height:auto!important;min-height:0!important;}
  .hero-content{width:100%!important;min-height:560px!important;padding:4.5rem 6vw 3.5rem!important;}
  .carousel{width:100%!important;height:460px!important;border-left:0!important;border-top:1px solid rgba(184,147,90,.25)!important;}
  .carousel-dots{left:50%!important;}.carousel-btn.prev{left:2vw!important;}
}
@media(max-width:580px){
  .nav-logo img{height:54px!important}.logo-wordmark{font-size:1.25rem!important;gap:.25rem!important;}
  .hero h1{font-size:2.45rem!important;}.hero-desc{font-size:1rem!important;}
  .hero-content{min-height:520px!important;}.carousel{height:360px!important;}
}


/* FIX: Key statistics moving ticker in hero */
.hero-stats.key-stats-marquee{
  width:100%!important;
  max-width:100%!important;
  overflow:hidden!important;
  display:block!important;
  margin-top:2.2rem!important;
  padding:0.85rem 0!important;
  border-top:1px solid rgba(184,147,90,.28)!important;
  border-bottom:1px solid rgba(184,147,90,.16)!important;
  background:rgba(184,147,90,.08)!important;
  mask-image:linear-gradient(90deg,transparent 0,#000 8%,#000 92%,transparent 100%);
  -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 8%,#000 92%,transparent 100%);
}
.key-stats-track{
  display:flex!important;
  align-items:center!important;
  gap:1rem!important;
  width:max-content!important;
  white-space:nowrap!important;
  animation:keyStatsMove 30s linear infinite!important;
}
.hero-stats.key-stats-marquee:hover .key-stats-track{animation-play-state:paused!important;}
.key-stat-item{
  display:flex!important;
  align-items:baseline!important;
  gap:.55rem!important;
  padding:0 .9rem!important;
  border-right:1px solid rgba(184,147,90,.25)!important;
}
.key-stat-item .stat-n{
  font-family:var(--serif)!important;
  font-size:clamp(1.05rem,1.45vw,1.45rem)!important;
  line-height:1!important;
  color:var(--gold)!important;
  font-weight:700!important;
  white-space:nowrap!important;
}
.key-stat-item .stat-l{
  font-size:.72rem!important;
  line-height:1.25!important;
  letter-spacing:.07em!important;
  text-transform:uppercase!important;
  color:rgba(255,255,255,.74)!important;
  white-space:nowrap!important;
}
@keyframes keyStatsMove{
  0%{transform:translateX(0);}
  100%{transform:translateX(-50%);}
}
@media(max-width:760px){
  .key-stats-track{animation-duration:24s!important;}
  .key-stat-item .stat-n{font-size:1.05rem!important;}
  .key-stat-item .stat-l{font-size:.62rem!important;}
}
/* RESPONSIVE POLISH - FINAL */
img{max-width:100%;height:auto;}
section{scroll-margin-top:92px;}
.nav-links{flex-wrap:wrap;justify-content:flex-end;}

@media (max-width:1200px){
  nav{height:82px!important;padding:0 3vw!important;}
  .nav-logo{min-width:260px!important;gap:.75rem!important;}
  .nav-logo img{height:62px!important;max-width:78px!important;}
  .logo-wordmark{font-size:1.65rem!important;letter-spacing:.05em!important;}
  .nav-links{gap:.85rem!important;}
  .nav-links a{font-size:.68rem!important;}
  .hero{height:auto!important;min-height:0!important;grid-template-columns:1fr!important;display:flex!important;flex-direction:column!important;}
  .hero-content{order:1!important;width:100%!important;min-height:520px!important;padding:4.5rem 6vw 3.5rem!important;}
  .carousel{order:2!important;width:100%!important;height:520px!important;border-left:0!important;border-top:1px solid rgba(184,147,90,.25)!important;}
  .carousel-btn.prev{left:2vw!important;}
  .carousel-btn.next{right:2vw!important;}
  .carousel-dots{left:50%!important;}
  .hero h1{font-size:clamp(2.8rem,7vw,4.6rem)!important;}
  .hero-desc{font-size:1.08rem!important;max-width:760px!important;}
  .about-grid,.why-grid,.nri-grid,.contact-grid{grid-template-columns:1fr!important;gap:2.5rem!important;}
  .svc-grid,.extra-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important;}
  .ins-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important;}
  .goals-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important;}
  .team-grid,.team-row2{grid-template-columns:repeat(2,minmax(220px,1fr))!important;}
  .ft{grid-template-columns:1fr 1fr!important;}
}

@media (max-width:900px){
  .topbar{display:none!important;}
  nav{position:relative!important;height:auto!important;min-height:78px!important;padding:1rem 5vw!important;flex-wrap:wrap!important;gap:1rem!important;}
  .nav-logo{width:100%!important;justify-content:center!important;min-width:0!important;}
  .nav-links{display:flex!important;width:100%!important;justify-content:center!important;gap:.55rem .9rem!important;}
  .nav-links a{font-size:.64rem!important;}
  .nav-cta{padding:.4rem .75rem!important;}
  .hero-content{min-height:auto!important;padding:3.6rem 6vw 3rem!important;text-align:left!important;}
  .hero-btns{gap:.75rem!important;}
  .hero-btns .btn-gold,.hero-btns .btn-ghost{width:auto!important;justify-content:center!important;}
  .carousel{height:430px!important;}
  section{padding:4rem 6vw!important;}
  .svc-hdr{align-items:flex-start!important;}
  .nri-img img,.about-img-wrap img{height:360px!important;}
  .appt{padding:1.75rem!important;}
}

@media (max-width:640px){
  body{font-size:15px!important;line-height:1.65!important;}
  nav{padding:.85rem 4vw!important;}
  .nav-logo{justify-content:flex-start!important;}
  .nav-logo img{height:48px!important;max-width:58px!important;}
  .logo-wordmark{font-size:1.12rem!important;letter-spacing:.04em!important;gap:.25rem!important;}
  .nav-links{justify-content:flex-start!important;overflow-x:auto!important;flex-wrap:nowrap!important;padding-bottom:.35rem!important;-webkit-overflow-scrolling:touch!important;}
  .nav-links li{flex:0 0 auto!important;}
  .nav-links a{font-size:.62rem!important;white-space:nowrap!important;}
  .hero-content{padding:3rem 5vw 2.25rem!important;}
  .eyebrow{font-size:.68rem!important;letter-spacing:.13em!important;margin-bottom:1rem!important;}
  .hero h1{font-size:clamp(2.2rem,11vw,3rem)!important;line-height:1.05!important;margin-bottom:1rem!important;}
  .hero-desc{font-size:.98rem!important;line-height:1.7!important;margin-bottom:1.5rem!important;}
  .hero-btns{flex-direction:column!important;align-items:stretch!important;}
  .hero-btns .btn-gold,.hero-btns .btn-ghost{width:100%!important;padding:.9rem 1rem!important;font-size:.92rem!important;}
  .hero-stats.key-stats-marquee{margin-top:1.5rem!important;padding:.7rem 0!important;}
  .key-stat-item{padding:0 .7rem!important;gap:.4rem!important;}
  .key-stat-item .stat-n{font-size:1rem!important;}
  .key-stat-item .stat-l{font-size:.58rem!important;}
  .carousel{height:340px!important;}
  .slide img{padding:.45rem!important;}
  .carousel-btn{width:36px!important;height:36px!important;font-size:.95rem!important;}
  .carousel-dots{bottom:1rem!important;}
  section{padding:3.2rem 5vw!important;}
  .sh{font-size:clamp(1.55rem,8vw,2.15rem)!important;}
  .svc-grid,.extra-grid,.goals-grid,.ins-grid,.nri-pts,.team-grid,.team-row2,.ft{grid-template-columns:1fr!important;}
  .svc,.ex,.gc,.ins-card,.nri-pt,.sc,.testc{padding:1.25rem!important;}
  .mv-grid{grid-template-columns:1fr!important;}
  .about-img-wrap img,.nri-img img{height:300px!important;}
  .contact-box,.appt,.ins-promise{padding:1.4rem!important;}
  .f-row{grid-template-columns:1fr!important;}
  .cta-strip{padding:2.5rem 5vw!important;align-items:flex-start!important;}
  .cta-btns{width:100%!important;flex-direction:column!important;}
  .cta-btns a{width:100%!important;justify-content:center!important;}
  .wa-float{width:50px!important;height:50px!important;right:1rem!important;bottom:1rem!important;}
  .wa-tip{display:none!important;}
  .testc{width:290px!important;min-height:230px!important;}
  .testi-marquee::before,.testi-marquee::after{width:38px!important;}
}

@media (max-width:390px){
  .logo-wordmark{font-size:1rem!important;}
  .nav-logo img{height:42px!important;}
  .hero h1{font-size:2.05rem!important;}
  .carousel{height:300px!important;}
  .testc{width:260px!important;}
}