/* Paras Financial Services: brand tokens from the letterhead (navy, gold, Georgia-style serif). */
:root {
  --navy: #0d2a52;
  --navy-2: #133a6e;
  --navy-deep: #081c38;
  --gold: #b8862b;
  --gold-soft: #f6ead2;
  --gold-text: #8a6114;
  --ink: #16202a;
  --muted: #55606c;
  --line: #e3e7ee;
  --paper: #ffffff;
  --cream: #faf7f1;
  --teal: #0e6b5c;          /* ParivarVault */
  --teal-soft: #dcf0ea;
  --radius: 16px;
  --shadow: 0 1px 2px rgba(13, 42, 82, .06), 0 12px 32px rgba(13, 42, 82, .08);
  --serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --sans: "Manrope", "Segoe UI", system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--paper); font-size: 16px; line-height: 1.65; -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: var(--navy-2); }
a:hover { color: var(--gold-text); }
h1, h2, h3 { font-family: var(--serif); color: var(--navy); line-height: 1.15; margin: 0; text-wrap: balance; }
h2 { font-size: clamp(1.9rem, 3.2vw, 2.6rem); }
h3 { font-size: 1.3rem; }
p { margin: 0; text-wrap: pretty; }
.wrap { width: min(1180px, 100% - 40px); margin-inline: auto; }
.eyebrow { font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-text); }
.lead { font-size: 1.12rem; color: var(--muted); max-width: 62ch; }
.section { padding: 96px 0; }
.section-head { display: grid; gap: 14px; margin-bottom: 48px; max-width: 760px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100; }
.skip:focus { left: 8px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 6px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 10px; padding: 14px 22px; border-radius: 999px; font-weight: 700; font-size: .98rem; text-decoration: none; transition: transform .15s ease, background .15s ease, color .15s ease; border: 2px solid transparent; }
.btn svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: #fff; }
.btn-gold:hover { background: #a27420; color: #fff; }
.btn-ghost { border-color: rgba(255,255,255,.55); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.1); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); color: #fff; }
.btn-outline { border-color: var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.94); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; gap: 28px; height: 74px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand-mark { width: 44px; height: 44px; flex-shrink: 0; }
.brand-name { font-family: var(--serif); font-weight: 700; font-size: 1.12rem; letter-spacing: .02em; line-height: 1.1; }
.brand-name small { display: block; font-family: var(--sans); font-size: .62rem; font-weight: 700; letter-spacing: .2em; color: var(--gold-text); text-transform: uppercase; margin-top: 3px; }
.nav { display: flex; gap: 26px; margin-left: auto; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: .95rem; }
.nav a:hover { color: var(--gold-text); }
.header-cta { padding: 11px 18px; font-size: .9rem; }
.menu-btn { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: 10px; width: 44px; height: 44px; align-items: center; justify-content: center; cursor: pointer; }
.menu-btn svg { width: 22px; height: 22px; stroke: var(--navy); stroke-width: 2; fill: none; }

/* Hero */
.hero { position: relative; overflow: hidden; background: var(--navy-deep); color: #fff; }
.hero::before { content: ""; position: absolute; inset: 0; background:
  radial-gradient(900px 500px at 85% 20%, rgba(184,134,43,.22), transparent 60%),
  radial-gradient(700px 500px at 0% 100%, rgba(19,58,110,.9), transparent 70%); }
.hero-lines { position: absolute; right: -120px; top: -60px; width: 760px; opacity: .22; }
.hero .wrap { position: relative; display: grid; grid-template-columns: 1.15fr 1fr; gap: 56px; align-items: center; padding: 96px 0 104px; }
.hero h1 { color: #fff; font-size: clamp(2.4rem, 5vw, 3.9rem); letter-spacing: -.01em; }
.hero h1 em { font-style: italic; color: #e9c27a; }
.hero .lead { color: rgba(255,255,255,.82); margin-top: 22px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.hero-tags { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 34px; font-size: .9rem; color: rgba(255,255,255,.75); }
.hero-tags span { display: inline-flex; align-items: center; gap: 8px; }
.hero-tags svg { width: 16px; height: 16px; stroke: #e9c27a; fill: none; stroke-width: 2.4; }

.hero-panel { display: grid; gap: 14px; }
.hcard { display: flex; gap: 16px; align-items: flex-start; padding: 20px 22px; border-radius: var(--radius); background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14); backdrop-filter: blur(6px); text-decoration: none; color: #fff; transition: background .2s ease, transform .2s ease; }
.hcard:hover { background: rgba(255,255,255,.12); transform: translateX(4px); color: #fff; }
.hcard .ic { flex-shrink: 0; width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: rgba(233,194,122,.16); }
.hcard .ic svg { width: 24px; height: 24px; stroke: #e9c27a; fill: none; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.hcard h3 { color: #fff; font-family: var(--sans); font-size: 1.04rem; font-weight: 700; }
.hcard p { color: rgba(255,255,255,.72); font-size: .92rem; margin-top: 3px; line-height: 1.5; }

/* Registration strip */
.regs { background: var(--cream); border-bottom: 1px solid var(--line); }
.regs .wrap { display: grid; grid-template-columns: repeat(4, 1fr); }
.reg { padding: 26px 22px; border-left: 1px solid var(--line); }
.reg:first-child { border-left: 0; padding-left: 0; }
.reg b { display: block; font-family: var(--serif); color: var(--navy); font-size: 1.08rem; }
.reg span { font-size: .86rem; color: var(--muted); }

/* Services */
.services { display: grid; gap: 28px; }
.service { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-radius: 22px; overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow); background: #fff; }
.service-main { padding: 46px; display: grid; gap: 18px; align-content: start; }
.service-side { padding: 46px; background: var(--cream); display: grid; gap: 16px; align-content: start; border-left: 1px solid var(--line); }
.service.dark .service-side { background: var(--navy); border-left: 0; color: #fff; }
.service.dark .service-side h3 { color: #fff; }
.tag { display: inline-flex; align-self: start; justify-self: start; font-size: .76rem; font-weight: 700; padding: 6px 12px; border-radius: 999px; background: var(--gold-soft); color: var(--gold-text); letter-spacing: .04em; }
.checks { list-style: none; margin: 4px 0 0; padding: 0; display: grid; gap: 11px; }
.checks li { display: flex; gap: 11px; align-items: flex-start; }
.checks svg { flex-shrink: 0; width: 20px; height: 20px; margin-top: 3px; stroke: var(--gold); fill: none; stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; }
.steps { counter-reset: s; list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; }
.steps li { counter-increment: s; display: grid; grid-template-columns: 36px 1fr; gap: 14px; align-items: start; }
.steps li::before { content: counter(s); width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; font-weight: 800; background: var(--gold); color: #fff; font-size: .95rem; }
.service.dark .steps li::before { background: #e9c27a; color: var(--navy-deep); }
.steps b { display: block; }
.steps span { font-size: .93rem; color: var(--muted); }
.service.dark .steps span { color: rgba(255,255,255,.75); }
.risk { font-size: .82rem; color: var(--muted); border-top: 1px dashed var(--line); padding-top: 14px; margin-top: 4px; }
.service.dark .risk { color: rgba(255,255,255,.7); border-color: rgba(255,255,255,.2); }

/* Insurance & loans cards */
.duo { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.service-card { border: 1px solid var(--line); border-radius: 22px; background: #fff; box-shadow: var(--shadow); padding: 40px; display: grid; gap: 14px; align-content: start; }
.service-card h3 { font-size: 1.6rem; }
.service-card > p { color: var(--muted); }
.sc-ic { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: var(--navy); }
.sc-ic svg { width: 26px; height: 26px; stroke: #e9c27a; fill: none; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }

/* Why us */
.why { background: var(--cream); }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.why-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; display: grid; gap: 10px; align-content: start; }
.why-card .ic { width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; background: var(--navy); }
.why-card .ic svg { width: 24px; height: 24px; stroke: #e9c27a; fill: none; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.why-card p { font-size: .93rem; color: var(--muted); }

/* Brands */
.brands { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.brand-card { border-radius: 22px; padding: 40px; display: grid; gap: 18px; align-content: start; position: relative; overflow: hidden; text-decoration: none; color: inherit; transition: transform .2s ease, box-shadow .2s ease; }
.brand-card:hover { transform: translateY(-4px); box-shadow: 0 24px 48px rgba(13,42,82,.16); color: inherit; }
.brand-card.b360 { background: linear-gradient(160deg, #0b1f3a, #163a6b); color: #fff; }
.brand-card.pv { background: var(--teal); color: #fff; }
.brand-card h3 { color: #fff; font-size: 2rem; }
.brand-card p { color: rgba(255,255,255,.82); }
.brand-card .who { font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: #e9c27a; }
.brand-card.pv .who { color: #f6d27a; }
.brand-card ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; font-size: .95rem; color: rgba(255,255,255,.9); }
.brand-card li::before { content: "—"; margin-right: 10px; color: rgba(255,255,255,.5); }
.brand-card .go { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; margin-top: 6px; }
.brand-card .go svg { width: 18px; height: 18px; stroke: currentColor; fill: none; stroke-width: 2.4; }
.brand-logo { display: flex; align-items: center; gap: 12px; }
.brand-logo svg { width: 46px; height: 46px; }

/* About */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.about-text { display: grid; gap: 18px; }
.about-text p { color: var(--muted); }
.partners { display: grid; gap: 16px; }
.partner { display: flex; gap: 18px; align-items: center; padding: 22px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.avatar { width: 64px; height: 64px; border-radius: 50%; display: grid; place-items: center; font-family: var(--serif); font-weight: 700; font-size: 1.35rem; color: #fff; background: linear-gradient(140deg, var(--navy), var(--navy-2)); flex-shrink: 0; border: 3px solid var(--gold-soft); }
.partner b { display: block; font-size: 1.05rem; color: var(--navy); }
.partner span { font-size: .9rem; color: var(--muted); }

/* Contact */
.contact { background: var(--navy-deep); color: #fff; position: relative; overflow: hidden; }
.contact::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 400px at 100% 0%, rgba(184,134,43,.22), transparent 60%); }
.contact .wrap { position: relative; display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.contact h2 { color: #fff; }
.contact .lead { color: rgba(255,255,255,.8); }
.contact-list { display: grid; gap: 14px; }
.citem { display: flex; gap: 16px; align-items: center; padding: 18px 20px; border-radius: var(--radius); background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); color: #fff; text-decoration: none; }
a.citem:hover { background: rgba(255,255,255,.11); color: #fff; }
.citem .ic { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: rgba(233,194,122,.16); flex-shrink: 0; }
.citem .ic svg { width: 22px; height: 22px; stroke: #e9c27a; fill: none; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.citem small { display: block; font-size: .78rem; color: rgba(255,255,255,.6); letter-spacing: .06em; text-transform: uppercase; font-weight: 700; }
.citem span { font-weight: 600; }

/* Footer */
.site-footer { background: #06152b; color: rgba(255,255,255,.72); font-size: .9rem; padding: 64px 0 28px; }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 36px; }
.site-footer h4 { color: #fff; font-size: .82rem; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 14px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.site-footer a { color: rgba(255,255,255,.8); text-decoration: none; }
.site-footer a:hover { color: #e9c27a; }
.site-footer .brand { color: #fff; }
.footer-note { margin-top: 44px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); display: grid; gap: 10px; font-size: .8rem; line-height: 1.6; color: rgba(255,255,255,.6); }
.footer-note strong { color: rgba(255,255,255,.85); }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; margin-top: 22px; font-size: .8rem; color: rgba(255,255,255,.5); }
.ph { background: rgba(233,194,122,.22); color: #f6d27a; border-radius: 4px; padding: 0 5px; font-weight: 700; }
.regs .ph, .doc .ph { background: #fff3cd; color: #7a5300; }

/* Document pages (disclosures, privacy) */
.doc { padding: 64px 0 96px; }
.doc .wrap { max-width: 860px; }
.doc h1 { font-size: clamp(2rem, 4vw, 2.8rem); margin-bottom: 10px; }
.doc h2 { font-size: 1.45rem; margin: 44px 0 12px; }
.doc p, .doc li { color: #2b3642; }
.doc p + p { margin-top: 12px; }
.doc ul, .doc ol { padding-left: 22px; display: grid; gap: 8px; }
.notice { border-left: 4px solid var(--gold); background: var(--cream); padding: 16px 20px; border-radius: 0 12px 12px 0; margin-top: 14px; }
.doc table { width: 100%; border-collapse: collapse; margin-top: 12px; font-size: .95rem; }
.doc th { text-align: left; background: var(--navy); color: #fff; padding: 10px 14px; font-weight: 700; }
.doc td { padding: 10px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }

/* Reveal on scroll (only when JS is on) */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s ease, transform .7s ease; }
.js .reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .js .reveal { opacity: 1; transform: none; transition: none; } .btn, .hcard, .brand-card { transition: none; } }

/* Responsive */
@media (max-width: 980px) {
  .hero .wrap, .contact .wrap, .about-grid, .service, .brands, .duo { grid-template-columns: 1fr; }
  .service-side { border-left: 0; border-top: 1px solid var(--line); }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .regs .wrap { grid-template-columns: 1fr 1fr; }
  .reg:nth-child(3) { border-left: 0; padding-left: 0; }
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
  .nav, .header-cta { display: none; }
  .menu-btn { display: inline-flex; }
  .site-header.open .nav { display: grid; position: absolute; top: 74px; left: 0; right: 0; background: #fff; padding: 12px 20px 20px; gap: 4px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
  .site-header.open .nav a { padding: 12px 4px; }
}
@media (max-width: 600px) {
  .section { padding: 68px 0; }
  .hero .wrap { padding: 64px 0 72px; }
  .service-main, .service-side, .brand-card, .service-card { padding: 28px; }
  .why-grid, .regs .wrap, .footer-top { grid-template-columns: 1fr; }
  .reg { border-left: 0; padding-left: 0; border-top: 1px solid var(--line); }
  .reg:first-child { border-top: 0; }
}