* {
     padding: 0;
     margin: 0;
     box-sizing: border-box;
 }

 html {
     scroll-behavior: smooth;
 }

 body {
     font-family: 'Inter', sans-serif;
     background: #F8F6F1;
     color: #0B1F3A;
     padding: 0;
     margin: 0;
     overflow-X: hidden;
     font-size: 16px;
 }
.gold-text-effect {
    background: linear-gradient(135deg, #FFF0B3 0%, #D4AF37 45%, #F8E7A1 70%, #B8860B 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    /* display: inline-block; */
    filter: drop-shadow(0px 2px 4px rgba(0, 0, 0, 0.4));
}
 .nav-link {
     color: rgba(255, 255, 255, .85);
     font-size: 17px;
     font-weight: 500;
     transition: .3s;
 }

 .nav-link:hover {
     color: #ffbe0b;
 }

 .btn-gold {
     position: relative;
     overflow: hidden;

     background: linear-gradient(135deg,
             #7A5C00,
             #D4AF37,
             #FFF5C2,
             #D4AF37,
             #7A5C00);

     background-size: 300% 300%;

     color: #0B1F3A;
     font-weight: 700;

     animation: goldFlow 5s linear infinite;
 }

 .highlight-word {
     position: relative;
     display: inline-block;
     z-index: 1;
 }

 .highlight-word::before {
     border: solid .375rem #D4AF37;
     border-color: #D4AF37 transparent transparent transparent;
     border-radius: 50%;
     bottom: -1.25rem;
     content: "";
     position: absolute;
     height: 1.75rem;
     left: 0;
     right: 0;
     z-index: -1;
 }

 .menu-link {
     display: block;
     color: #cbd5e1;
     transition: .3s;
 }

 .menu-link:hover {
     color: #facc15;
     transform: translateX(4px);
 }

 .nav-scrolled {
     background: #081220f0;
     box-shadow: 0 10px 30px rgba(0, 0, 0, .35);
 }

 .btn-gold::before {
     content: '';
     position: absolute;
     top: -100%;
     left: -50%;
     width: 50%;
     height: 300%;

     background: rgba(255, 255, 255, .25);

     transform: rotate(25deg);

     animation: shineSweep 3s infinite;
 }


 @keyframes goldFlow {
     0% {
         background-position: 0% 50%;
     }

     100% {
         background-position: 100% 50%;
     }
 }

 @keyframes shineSweep {
     0% {
         left: -80%;
     }

     100% {
         left: 180%;
     }
 }

.gold-text {
    background: linear-gradient(135deg,
            #1E3A8A, /* Deep Navy Blue */
            #2563EB, /* Vibrant Blue */
            #0284C7, /* Sky Blue Accent */
            #1D4ED8);

    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.gold-shine {
    font-weight: 700;

    background: linear-gradient(110deg,
            #0F172A 0%,   /* Very Dark Slate Blue */
            #1E3A8A 20%,  /* Dark Blue */
            #2563EB 35%,  /* Royal Blue */
            #38BDF8 50%,  /* Bright Shimmer Highlight */
            #2563EB 65%,  /* Royal Blue */
            #1E3A8A 80%,  /* Dark Blue */
            #0F172A 100%);/* Very Dark Slate Blue */

    background-size: 250% auto;

    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;

    animation: blueShine 4s linear infinite;
}

@keyframes blueShine {
    to {
        background-position: 200% center;
    }
}

 .mega-menu > *:last-child {
    grid-column: 1 / -1;
}

 .mega-menu {
     position: absolute;
     top: 100%;
     left: 50%;
     transform: translateX(-30%);
     width: 950px;

     background: #0f2744;
     border-radius: 16px;
     padding: 30px;

     display: grid;
     grid-template-columns: repeat(4, 1fr);
     gap: 30px;
         opacity: 0;
     visibility: hidden;

     transition: .3s ease;
     margin-top: 20px;

     box-shadow: 0 25px 50px rgba(0, 0, 0, .15);
     border: 1px solid #72727283;
 }

 .group:hover .mega-menu {
     opacity: 1;
     visibility: visible;
     margin-top: 10px;
 }

 .mega-menu h4 {
     color: #ffffff;
     font-weight: 700;
     margin-bottom: 15px;
 }

 .mega-menu a {
     display: block;
     color: #c7c7c7;
     padding: 2px 0;
     transition: .3s;
 }



 .mega-menu a:hover {
     color: #ffcf4a;
     padding-left: 6px;
 }



 /* Gold divider line */
 .gold-rule {
     width: 48px;
     height: 3px;
     background: #C9A84C;
     margin: 0 auto 1.5rem;
 }

 /* Hero gradient */
 .hero-bg {
     background: linear-gradient(135deg, #071527 0%, #0B1F3A 50%, #122d55 100%);
     position: relative;
     overflow: hidden;
 }

 .hero-bg::before {
     content: '';
     position: absolute;
     top: -60px;
     right: -80px;
     width: 500px;
     height: 500px;
     background: radial-gradient(circle, rgba(201, 168, 76, 0.12) 0%, transparent 70%);
     pointer-events: none;
 }

 .hero-bg::after {
     content: '';
     position: absolute;
     bottom: 0;
     left: 0;
     right: 0;
     height: 4px;
     background: linear-gradient(90deg, transparent, #C9A84C, transparent);
 }

 /* Card hover */
 .service-card {
     transition: transform 0.2s ease, box-shadow 0.2s ease;
 }

 .service-card:hover {
     transform: translateY(-4px);
     box-shadow: 0 12px 32px rgba(11, 31, 58, 0.12);
 }

 /* Sticky nav */
 .sticky-nav {
     position: sticky;
     top: 0;
     left: 0;
     right: 0;
     z-index: 100;
     background: rgba(11, 31, 58, 0.97);
     backdrop-filter: blur(8px);
     border-bottom: 1px solid rgba(201, 168, 76, 0.25);
 }

 /* Credential pill */
 .cred-pill {
     display: flex;
     align-items: center;
     gap: 8px;
     background: rgba(201, 168, 76, 0.1);
     border: 1px solid rgba(201, 168, 76, 0.3);
     border-radius: 999px;
     padding: 6px 16px;
     font-size: 0.78rem;
     font-weight: 600;
     color: #C9A84C;
     white-space: nowrap;
 }

 /* Section reveal */
 .audience-section {
     display: none;
 }

 .audience-section.active {
     display: block;
 }

 /* Warning stripe */
 .warning-stripe {
     background: linear-gradient(90deg, #C0392B 0%, #a83227 100%);
     border-left: 4px solid #ff6b5b;
 }

 /* Misconception card */
 .misc-card {
     border-left: 3px solid #C0392B;
 }

 /* Pulse dot */
 @keyframes pulse-gold {

     0%,
     100% {
         opacity: 1;
     }

     50% {
         opacity: 0.4;
     }
 }

 .pulse-gold {
     animation: pulse-gold 2s ease-in-out infinite;
 }


 .highlight-word {
     position: relative;
     display: inline-block;
 }

 .underline-svg {
     position: absolute;
     left: 0;
     bottom: -12px;
     width: 100%;
     height: 18px;
 }

 .underline-svg path {
     fill: none;
     stroke: #ffc814;
     stroke-width: 4;
     stroke-linecap: round;
 }

 .btn-gold-premium {
     position: relative;
     overflow: hidden;

     background: linear-gradient(135deg,
             #7A5C00 0%,
             #D4AF37 25%,
             #FFF5C2 50%,
             #D4AF37 75%,
             #7A5C00 100%);

     background-size: 300% 300%;

     color: #0B1F3A;
     font-weight: 700;

     border: 1px solid rgba(255, 255, 255, .15);

     box-shadow:
         0 10px 25px rgba(212, 175, 55, .25),
         inset 0 1px 1px rgba(255, 255, 255, .4);

     transition: all .35s ease;

     animation: goldFlow 6s linear infinite;
 }

 .btn-gold-premium:hover {
     transform: translateY(-4px);

     box-shadow:
         0 20px 40px rgba(212, 175, 55, .4),
         inset 0 1px 1px rgba(255, 255, 255, .5);
 }

 .btn-gold-premium::before {
     content: '';
     position: absolute;
     top: -100%;
     left: -100%;
     width: 60%;
     height: 300%;

     background: rgba(255, 255, 255, .25);

     transform: rotate(25deg);

     transition: .8s;
 }

 .btn-gold-premium:hover::before {
     left: 180%;
 }

 @keyframes goldFlow {
     0% {
         background-position: 0% 50%;
     }

     100% {
         background-position: 100% 50%;
     }
 }

 .btn-outline-premium {
     border: 1px solid rgba(212, 175, 55, .35);
     background: rgba(255, 255, 255, .03);

     backdrop-filter: blur(10px);

     transition: .35s ease;
 }

 .btn-outline-premium:hover {
     border-color: #D4AF37;

     background: rgba(212, 175, 55, .08);

     transform: translateY(-4px);

     box-shadow: 0 15px 35px rgba(212, 175, 55, .15);
 }


 .service-card {
     transition: all .35s ease;
 }

 .service-card:hover {
     border-color: #d4af37;
     box-shadow: 0 15px 35px rgba(0, 0, 0, .08);
 }


 .testimonialSlider {
     overflow: hidden;
 }

 .testimonial-card {
     background: #fff;
     border: 1px solid #e7e3dc;
     border-radius: 24px;
     padding: 60px 50px;
     text-align: center;
     transition: all .4s ease;
     min-height: 320px;

     display: flex;
     flex-direction: column;
     justify-content: center;
 }

 .quote-mark {
     font-size: 70px;
     line-height: 1;
     color: #c9a86a;
     margin-bottom: 20px;
     font-family: Georgia, serif;
 }


 .testimonial-prev,
 .testimonial-next {
     width: 56px;
     height: 56px;
     border: 1px solid #d9d3c8;
     border-radius: 999px;
     background: #fff;
     color: #0f2744;
     font-size: 16px;
     transition: all .3s ease;

     display: flex;
     align-items: center;
     justify-content: center;
 }

 .testimonial-prev:hover,
 .testimonial-next:hover {
     background: #0f2744;
     color: #fff;
     border-color: #0f2744;
     transform: translateY(-2px);
 }

 .testimonial-card p {
     font-size: 20px;
     line-height: 1.8;
     color: #23324a;
     font-style: italic;
     margin-bottom: 35px;
 }

 .testimonial-author strong {
     display: block;
     color: #0f2744;
     font-size: 15px;
 }

 .testimonial-author span {
     color: #6b7280;
     font-size: 13px;
 }

 .swiper-slide {
     opacity: .3;
     transform: scale(.85);
     transition: all .4s ease;
 }

 .swiper-slide-active {
     opacity: 1;
     transform: scale(1);
 }

 .swiper-pagination-bullet {
     width: 10px;
     height: 10px;
     background: #c9a86a;
     opacity: .3;
 }

 .swiper-pagination-bullet-active {
     width: 30px;
     border-radius: 50px;
     opacity: 1;
 }

 @media(max-width:768px) {

     .testimonial-card {
         padding: 40px 25px;
         min-height: auto;
     }

     .testimonial-card p {
         font-size: 16px;
     }
 }


 /* Glassmorphism Risk List */
 /* Mobile styles (default) */
 .risk-list {
     display: grid;
     grid-template-columns: 1fr;
     gap: 20px;
     margin: 40px 0;
     padding: 0;
     list-style: none;
 }

 /* Desktop styles (768px and wider) */
 @media (min-width: 768px) {
     .risk-list {
         grid-template-columns: repeat(2, 1fr);
     }
 }

 .risk-list li {
     display: flex;
     text-align: left;
     gap: 16px;
     align-items: start;
     padding: 24px;
     /* background: rgba(55, 0, 255, 0.096); */
     background: #13264012;
     border: 1px solid rgb(19 38 64 / 40%);
     backdrop-filter: blur(12px);
     -webkit-backdrop-filter: blur(12px);
     border-radius: 16px;
     /* color: #F8FAFC; */
     font-weight: 500;
     font-size: 1.05rem;
     line-height: 1.6;
     transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
 }

 .risk-list li:hover {
     background: #fff;
     border-color: rgb(19 38 64 / 80%);
     transform: translateY(-2px);
     box-shadow: 0 12px 30px rgba(0, 0, 0, 0.2);
 }

 .risk-list span {
     display: inline-flex;
     align-items: center;
     justify-content: center;
     width: 36px;
     height: 36px;
     min-width: 36px;
     border-radius: 50%;
     background: rgb(19 38 64);
     
     border: 1px solid var(--am-danger);
     color: #f8f6f6;
     font-weight: 700;
     font-size: 0.95rem;
 }


 /* Section Styling */
 .master-section {
     padding: 100px 0;
     position: relative;
 }

 .section-title {
     color: var(--am-navy);
     font-weight: 800;
     font-size: clamp(2rem, 3.5vw, 2.2rem);
     line-height: 1.15;
     letter-spacing: -0.02em;
 }

 /* Buttons Style Guide */
 .am-btn {
     display: inline-flex;
     align-items: center;
     justify-content: center;
     gap: 10px;
     font-weight: 600;
     font-size: 1rem;
     padding: 14px 28px;
     border-radius: 12px;
     text-decoration: none;
     transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
     border: 1px solid transparent;
     box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.05);
 }

 .am-btn:hover {
     transform: translateY(-2px);
     box-shadow: 0 10px 20px -5px rgba(0, 0, 0, 0.15);
 }

 .btn-consult {
     background: linear-gradient(135deg, #D4AF37 0%, #B89020 100%);
     color: #0F172A;
 }

 .btn-consult:hover {
     background: linear-gradient(135deg, #E5C158 0%, #D4AF37 100%);
     color: #0F172A;
 }

 .btn-video {
     background: rgba(255, 255, 255, 0.1);
     border: 1px solid rgba(255, 255, 255, 0.2);
     color: #ffffff;
     backdrop-filter: blur(8px);
 }

 .btn-video:hover {
     background: rgba(255, 255, 255, 0.2);
     color: #ffffff;
 }

 .video-cta .btn-video {
     background: #E2E8F0;
     border: 1px solid #CBD5E1;
     color: var(--am-navy);
 }

 .video-cta .btn-video:hover {
     background: #CBD5E1;
     color: var(--am-navy);
 }

 .btn-member {
     background: var(--am-navy);
     color: #ffffff;
 }

 .btn-member:hover {
     background: var(--am-navy-light);
     color: #ffffff;
 }