:root{
  --navy:#262B49; --navy-deep:#1C2038; --navy-mid:#353A5C; --line-dark:#4A5078;
  --red:#B41F25; --red-dark:#8E151B; --pink:#F2B8BA;
  --ground:#F7F5F0; --white:#FFFFFF; --ink:#1C1F2E; --muted:#4A4F63; --line:#E4E0D6;
  --on-navy:#E6E8F0;
  --serif:'Fraunces',Georgia,serif; --sans:'Public Sans','Segoe UI',system-ui,sans-serif;
  --pad:clamp(20px,8vw,120px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);background:var(--ground);color:var(--ink);line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:var(--red)} a:hover{color:var(--red-dark)}
:focus-visible{outline:3px solid var(--red);outline-offset:3px}
.pa{font-family:'Noto Sans Gurmukhi',sans-serif}
.hi{font-family:'Noto Sans Devanagari',sans-serif}
.wrap{padding-left:var(--pad);padding-right:var(--pad)}
.eyebrow{display:block;font-size:15px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin:0}
h1,h2,h3{margin:0}
h2.title{font-family:var(--serif);font-weight:600;font-size:clamp(30px,4vw,46px);line-height:1.1;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 28px;border-radius:999px;font-weight:600;font-size:17px;text-decoration:none;border:0;cursor:pointer;font-family:inherit}
.btn-red{background:var(--red);color:#fff} .btn-red:hover{background:var(--red-dark);color:#fff}
.btn-outline{border:1.5px solid var(--navy);color:var(--navy);background:transparent} .btn-outline:hover{background:var(--navy);color:#fff}
.icon{width:20px;height:20px;flex-shrink:0}

/* Top bar */
.topbar{background:var(--navy);color:#fff;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:48px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar .group{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.topbar .item{display:flex;align-items:center;gap:8px;white-space:nowrap}
.marn-pill{padding:4px 12px;border:1px solid #6B7195;border-radius:999px;font-weight:600;letter-spacing:.04em;white-space:nowrap}
@media (min-width:1000px){.topbar .wrap,.topbar .group{flex-wrap:nowrap}}
@media (max-width:1480px){.topbar .hide-md{display:none}}

/* Language switcher */
.lang-switch{display:flex;align-items:center;gap:5px}
.lang-switch button{background:transparent;border:1px solid transparent;color:inherit;font-family:inherit;font-size:14px;line-height:1.2;padding:5px 11px;border-radius:999px;cursor:pointer;white-space:nowrap}
.lang-switch button:hover{border-color:currentColor}
.lang-switch button.active{background:var(--red);border-color:var(--red);color:#fff;font-weight:700}
.topbar .lang-switch{flex-shrink:0}
.head-right{display:flex;align-items:center;gap:14px}
.hdr-lang{display:none}
html[lang="pa"]{--sans:'Public Sans','Noto Sans Gurmukhi','Segoe UI',system-ui,sans-serif;--serif:'Fraunces','Noto Sans Gurmukhi',Georgia,serif}
html[lang="hi"]{--sans:'Public Sans','Noto Sans Devanagari','Segoe UI',system-ui,sans-serif;--serif:'Fraunces','Noto Sans Devanagari',Georgia,serif}

/* Header */
.header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.header .wrap{display:flex;justify-content:space-between;align-items:center;min-height:96px;gap:24px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--navy)}
.brand img{height:64px;width:auto}
.brand-name{font-family:var(--serif);font-size:22px;font-weight:700;display:block;line-height:1.2}
.brand-tag{font-size:12px;font-weight:600;letter-spacing:.12em;color:var(--red);text-transform:uppercase}
.nav{display:flex;align-items:center;gap:32px;font-size:16px;font-weight:500}
.nav a{color:var(--navy);text-decoration:none}
.nav a.current{border-bottom:2px solid var(--red);padding-bottom:4px}
.menu-btn{display:none;width:48px;height:48px;border:1px solid #D9D5CA;border-radius:12px;background:#fff;align-items:center;justify-content:center;cursor:pointer}

/* Hero */
.hero{background:#fff}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:72px;align-items:center;padding-top:88px;padding-bottom:96px}
.hero-copy{display:flex;flex-direction:column;gap:28px}
.hero h1{font-family:var(--serif);font-weight:600;font-size:clamp(36px,4.6vw,60px);line-height:1.06;color:var(--navy);letter-spacing:-.01em}
.hero p.lead{font-size:19px;color:var(--muted);max-width:540px;margin:0}
.hero .ctas{display:flex;gap:16px;flex-wrap:wrap}
.callline{display:flex;gap:12px;align-items:center;font-size:16px;color:var(--muted)}
.callline a{color:var(--navy);font-weight:700;text-decoration:none}

.agent{background:var(--navy);color:#fff;border-radius:28px;padding:40px;display:flex;flex-direction:column;gap:22px;box-shadow:0 24px 56px rgba(38,43,73,.28);max-width:500px;justify-self:end;width:100%}
.agent .label{font-size:15px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--pink)}
.agent .name{font-family:var(--serif);font-size:clamp(30px,3vw,40px);font-weight:600;line-height:1.1}
.agent .role{font-size:18px;color:var(--on-navy)}
.agent .marn{align-self:flex-start;font-size:16px;font-weight:700;letter-spacing:.06em;background:var(--red);border-radius:999px;padding:6px 16px}
.agent .rule{height:1px;background:var(--line-dark)}
.agent .facts{display:flex;flex-direction:column;gap:12px;font-size:17px;color:var(--on-navy)}
.agent .facts span{display:flex;align-items:center;gap:12px}
.agent .btns{display:flex;gap:12px;flex-wrap:wrap}
.agent .btns .btn{flex:1 1 190px;font-size:16px;white-space:nowrap;padding:0 20px}
.agent .btn-ghost{border:1.5px solid #fff;color:#fff} .agent .btn-ghost:hover{background:#fff;color:var(--navy)}
.agent .verify{font-size:15px;color:var(--on-navy);display:flex;align-items:center;gap:10px}

/* Trust strip */
.strip{background:var(--navy);color:#fff}
.strip .wrap{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px;padding-top:34px;padding-bottom:34px}
.strip strong{font-family:var(--serif);font-size:30px;font-weight:600;display:block;line-height:1.2}
.strip span{font-size:15px;color:#C9CDDD}

/* Sections */
section{scroll-margin-top:110px}
.section{padding-top:clamp(56px,8vw,104px);padding-bottom:clamp(56px,8vw,104px)}
.section-white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:48px;margin-bottom:56px}
.head-row .left{display:flex;flex-direction:column;gap:14px;max-width:640px}
.head-row p{margin:0;font-size:17px;color:var(--muted);max-width:420px}

/* Services */
.services{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:32px;display:flex;flex-direction:column;gap:14px}
.card .ico{width:52px;height:52px;border-radius:14px;background:#EEF0F7;display:flex;align-items:center;justify-content:center}
.card h3{font-family:var(--serif);font-size:24px;font-weight:600;color:var(--navy);line-height:1.2}
.card .tag{align-self:flex-start;font-size:15px;font-weight:600;color:var(--red);border:1px solid #E7B9BB;border-radius:999px;padding:5px 14px}
.card p{margin:0;font-size:16px;color:var(--muted)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px;list-style:none;margin:0;padding:0}
.steps li{display:flex;flex-direction:column;gap:14px;padding-top:22px;border-top:3px solid var(--navy)}
.steps .num{font-family:var(--serif);font-size:40px;font-weight:600;color:var(--red);line-height:1}
.steps h3{font-size:20px;font-weight:700;color:var(--navy)}
.steps p{margin:0;font-size:16px;color:var(--muted)}

/* About */
.about{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.about .copy{display:flex;flex-direction:column;gap:22px}
.about .copy p{margin:0;font-size:17px;color:var(--muted);line-height:1.7}
.about .copy a{align-self:flex-start;color:var(--navy);font-weight:700;text-decoration:none;border-bottom:2px solid var(--red);padding-bottom:4px}
.why{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.why div{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;display:flex;flex-direction:column;gap:10px}
.why h3{font-size:19px;font-weight:700;color:var(--navy)}
.why p{margin:0;font-size:15px;color:var(--muted)}

/* FAQ */
.faq{display:grid;grid-template-columns:1fr 2fr;gap:80px}
.faq .intro{display:flex;flex-direction:column;gap:18px;align-items:flex-start}
.faq .intro p{margin:0;font-size:16px;color:var(--muted)}
.faq details{border-top:1px solid var(--line);padding:22px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{font-size:20px;font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:28px;line-height:1;color:var(--red);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:12px 0 0;font-size:16px;color:var(--muted);line-height:1.65}

/* Contact */
.contact{background:var(--navy);color:#fff}
.contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:80px;padding-top:clamp(56px,8vw,96px);padding-bottom:clamp(56px,8vw,96px)}
.contact .info{display:flex;flex-direction:column;gap:26px}
.contact .eyebrow{color:var(--pink)}
.contact h2{font-family:var(--serif);font-weight:600;font-size:clamp(30px,4vw,48px);line-height:1.1}
.contact .info p{margin:0;font-size:17px;color:#D6D9E6;line-height:1.7}
.contact .lines{display:flex;flex-direction:column;gap:18px;font-size:17px}
.contact .lines a,.contact .lines span.l{color:#fff;text-decoration:none;display:flex;align-items:center;gap:14px}
.contact .circle{width:44px;height:44px;border-radius:999px;background:#3A406A;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.form{background:#fff;color:var(--ink);border-radius:24px;padding:40px;display:flex;flex-direction:column;gap:18px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:8px}
.field label{font-size:15px;font-weight:600;color:var(--navy)}
.field input,.field select,.field textarea{min-height:48px;border:1px solid #CFCBC0;border-radius:10px;padding:10px 14px;font-size:16px;font-family:inherit;background:#fff;color:var(--ink)}
.field textarea{min-height:120px;resize:vertical}
.form .note{font-size:15px;color:var(--muted)}
.form-msg{display:none;align-items:flex-start;gap:12px;border-radius:14px;padding:16px 18px;font-size:16px;line-height:1.5}
.form-msg.show{display:flex}
.form-msg.success{background:#E8F7EE;border:1px solid #A9E3C1;color:#126B41}
.form-msg.error{background:#FDECEC;border:1px solid #F3B9B9;color:#9B1C1C}
.form-msg .ico{width:22px;height:22px;flex-shrink:0;margin-top:2px}
.form-msg strong{display:block;font-size:17px}
.form .btn[disabled]{opacity:.65;cursor:progress}

/* Footer */
.footer{background:var(--navy-deep);color:var(--on-navy)}
.footer .wrap{padding-top:80px;padding-bottom:64px;display:flex;flex-direction:column;gap:52px}
.footer .cols{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:48px}
.footer .col{display:flex;flex-direction:column;gap:14px;font-size:18px;line-height:1.7}
.footer .col a{color:var(--on-navy);text-decoration:none} .footer .col a:hover{color:#fff;text-decoration:underline}
.footer .fname{font-family:var(--serif);font-size:28px;font-weight:700;color:#fff}
.footer .fhead{font-size:16px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#fff}
.social{display:flex;gap:12px}
.social a{width:48px;height:48px;border-radius:999px;background:var(--navy-mid);color:#fff;display:flex;align-items:center;justify-content:center}
.social a:hover{background:var(--red)}
.footer .rule{height:1px;background:var(--line-dark)}
.footer .legal{display:flex;justify-content:space-between;gap:48px;font-size:16px;line-height:1.7;color:#D5D8E4}
.footer .legal span:first-child{max-width:860px}

/* Responsive */
@media (max-width:1100px){
  .hero .wrap,.about,.faq,.contact .wrap{grid-template-columns:1fr;gap:48px}
  .agent{justify-self:start}
  .services{grid-template-columns:repeat(2,minmax(0,1fr))}
  .steps{grid-template-columns:repeat(2,minmax(0,1fr))}
  .strip .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer .cols{grid-template-columns:repeat(2,minmax(0,1fr))}
  .head-row{flex-direction:column;align-items:flex-start;gap:16px;margin-bottom:36px}
}
@media (max-width:900px){
  .topbar{display:none}
  .topbar .hide-sm{display:none}
  .menu-btn{display:flex}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px var(--pad) 20px;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid var(--line)}
  .nav a.current{border-bottom:1px solid var(--line);color:var(--red)}
  .nav .btn{margin-top:16px;border-bottom:0}
  .header .wrap{min-height:76px}
  .brand img{height:48px}
  .brand-tag{display:none}
}
@media (max-width:640px){
  .services,.steps,.why,.form .row,.footer .cols{grid-template-columns:1fr}
  .strip .wrap{grid-template-columns:1fr 1fr;gap:20px}
  .strip strong{font-size:22px}
  .hero .wrap{padding-top:40px;padding-bottom:48px}
  .hero .ctas .btn{width:100%}
  .agent,.form{padding:24px}
  .footer .legal{flex-direction:column;gap:12px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}