/* New Life Financial - clean white + orange theme */
:root{
  --bg:#ffffff;
  --text:#0f172a;
  --muted:#475569;
  --muted2:#64748b;
  --card:#ffffff;
  --line:#e5e7eb;
  --soft:#fff7ed;
  --soft2:#ffedd5;
  --orange:#ff7a00;
  --orange2:#ffb15a;
  --shadow: 0 18px 50px rgba(15, 23, 42, 0.10);
  --shadow2: 0 10px 30px rgba(15, 23, 42, 0.08);
  --radius: 22px;
  --radius2: 28px;
  --max: 1160px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Inter, Arial, "Apple Color Emoji","Segoe UI Emoji";
  color:var(--text);
  background:linear-gradient(180deg, var(--bg), var(--soft) 1000px, var(--bg) 1600px);
}

a{color:inherit; text-decoration:none}
.container{max-width:var(--max); margin:0 auto; padding:0 20px}
.pill{
  display:inline-flex; align-items:center; gap:10px;
  padding:10px 14px; border-radius:999px;
  background:rgba(255,122,0,0.10);
  border:1px solid rgba(255,122,0,0.25);
  color:#9a3412;
  font-weight:800; font-size:13px;
}
.dot{width:8px; height:8px; border-radius:50%; background:var(--orange)}
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  padding:14px 18px; border-radius:14px;
  font-weight:900;
  border:1px solid rgba(15,23,42,0.12);
  background:white; color:var(--text);
  box-shadow: var(--shadow2);
  transition: transform .12s ease, box-shadow .12s ease, border-color .12s ease;
}
.btn:hover{transform: translateY(-1px); box-shadow: var(--shadow); border-color: rgba(255,122,0,0.35)}
.btn.primary{
  background: linear-gradient(135deg, var(--orange), var(--orange2));
  color:white;
  border-color: rgba(255,122,0,0.4);
}
.btn.ghost{
  background: transparent;
  box-shadow:none;
}
.badge{
  display:inline-flex; gap:8px; align-items:center;
  padding:8px 12px; border-radius:999px;
  background: var(--soft);
  border:1px solid #fed7aa;
  font-weight:800; font-size:12px;
  color:#9a3412;
}

header{
  position:sticky; top:0; z-index:50;
  backdrop-filter: blur(14px);
  background: rgba(255,255,255,0.75);
  border-bottom:1px solid rgba(229,231,235,0.7);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding:14px 0;
  gap:16px;
}
.brand{display:flex; align-items:center; gap:12px; min-width:240px}
.brand img{width:148px; height:auto}
.navlinks{display:flex; gap:18px; align-items:center; flex-wrap:wrap; justify-content:flex-end}
.navlinks a{
  font-weight:900; color: rgba(15,23,42,0.86);
  padding:10px 10px; border-radius:12px;
}
.navlinks a:hover{background: rgba(255,122,0,0.08); color:#9a3412}
.navcta{display:flex; gap:10px; align-items:center}

.hero{
  padding:56px 0 34px;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap:28px;
  align-items:center;
}
.hero h1{
  font-size: clamp(36px, 4.5vw, 56px);
  line-height:1.04;
  margin:14px 0 14px;
  letter-spacing:-0.02em;
}
.hero p{
  color: var(--muted);
  font-size:18px;
  line-height:1.6;
  max-width: 56ch;
}
.hero-actions{display:flex; gap:12px; flex-wrap:wrap; margin-top:18px}
.hero-cards{
  display:grid;
  grid-template-columns: 1fr;
  gap:14px;
}
.card{
  background: var(--card);
  border:1px solid rgba(229,231,235,0.9);
  border-radius: var(--radius2);
  box-shadow: var(--shadow2);
}
.card.pad{padding:18px}
.kpis{display:grid; grid-template-columns: repeat(3,1fr); gap:10px; margin-top:18px}
.kpi{
  padding:14px; border-radius:18px;
  background: linear-gradient(180deg, #fff, var(--soft));
  border:1px solid rgba(254,215,170,0.7);
}
.kpi .n{font-size:20px; font-weight:1000}
.kpi .t{font-size:12px; font-weight:900; color:#9a3412; margin-top:4px}
.hero-ill{
  border-radius: var(--radius2);
  overflow:hidden;
  border:1px solid rgba(254,215,170,0.8);
  background: var(--soft);
}
.hero-ill img{display:block; width:100%; height:auto}

.section{padding:54px 0}
.section .head{
  display:flex; align-items:flex-end; justify-content:space-between; gap:16px;
  margin-bottom:18px;
}
.h2{font-size:32px; margin:0; letter-spacing:-0.015em}
.lead{color:var(--muted); margin:0; max-width:70ch; line-height:1.65}
.grid-3{display:grid; grid-template-columns: repeat(3,1fr); gap:14px}
.grid-2{display:grid; grid-template-columns: repeat(2,1fr); gap:14px}
.tile{
  padding:20px; border-radius: var(--radius);
  background:white;
  border:1px solid rgba(229,231,235,0.9);
  box-shadow: var(--shadow2);
}
.icon{
  width:44px; height:44px; border-radius:14px;
  background: linear-gradient(135deg, var(--orange), var(--orange2));
  display:grid; place-items:center;
  color:white; font-weight:1000;
}
.tile h3{margin:12px 0 6px; font-size:18px}
.tile p{margin:0; color:var(--muted); line-height:1.65}
.small{font-size:13px; color:var(--muted2); font-weight:700}

.split{
  display:grid; grid-template-columns: 1fr 1fr; gap:18px; align-items:stretch
}
.photo{
  border-radius: var(--radius2);
  overflow:hidden;
  border:1px solid rgba(229,231,235,0.9);
  box-shadow: var(--shadow2);
  background: var(--soft);
}
.photo img{width:100%; height:auto; display:block}

.steps{display:grid; grid-template-columns: repeat(4,1fr); gap:12px}
.step{
  padding:16px; border-radius: var(--radius);
  background: linear-gradient(180deg, #fff, var(--soft));
  border:1px solid rgba(254,215,170,0.7);
}
.step .num{
  width:38px; height:38px; border-radius:14px;
  display:grid; place-items:center;
  background:white;
  border:1px solid rgba(255,122,0,0.35);
  font-weight:1000; color:#9a3412;
}
.step h4{margin:10px 0 6px; font-size:16px}
.step p{margin:0; color:var(--muted); line-height:1.6; font-size:14px}

.partner-strip{
  display:grid; grid-template-columns: repeat(3,1fr); gap:12px;
  align-items:stretch;
}
.partner{
  padding:14px; border-radius: var(--radius);
  background: white;
  border:1px solid rgba(229,231,235,0.9);
  box-shadow: var(--shadow2);
  display:flex; align-items:center; justify-content:center;
}
.partner img{max-width:100%; height:auto; width: 280px}

.quote{
  padding:22px; border-radius: var(--radius2);
  background: linear-gradient(135deg, var(--soft), #fff);
  border:1px solid rgba(254,215,170,0.8);
}
.quote p{margin:0; color:var(--muted); line-height:1.75; font-size:16px}
.quote .who{margin-top:12px; font-weight:1000}
.quote .who span{color:#9a3412}

.faq details{
  background:white;
  border:1px solid rgba(229,231,235,0.9);
  border-radius: var(--radius);
  padding:14px 16px;
  box-shadow: var(--shadow2);
}
.faq details + details{margin-top:10px}
.faq summary{
  cursor:pointer;
  font-weight:1000;
  list-style:none;
}
.faq summary::-webkit-details-marker{display:none}
.faq .ans{color:var(--muted); margin-top:10px; line-height:1.7}

.contact{
  display:grid; grid-template-columns: 1fr 1fr; gap:14px; align-items:stretch
}
.form{
  padding:18px; border-radius: var(--radius2);
  background:white;
  border:1px solid rgba(229,231,235,0.9);
  box-shadow: var(--shadow2);
}
.label{font-weight:900; font-size:13px; margin:10px 0 6px}
.input, textarea{
  width:100%;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid rgba(15,23,42,0.14);
  font-weight:700;
  outline:none;
  background: #fff;
}
textarea{min-height:120px; resize:vertical}
.input:focus, textarea:focus{border-color: rgba(255,122,0,0.55); box-shadow: 0 0 0 5px rgba(255,122,0,0.10)}
.map{
  border-radius: var(--radius2);
  overflow:hidden;
  border:1px solid rgba(229,231,235,0.9);
  box-shadow: var(--shadow2);
  background: var(--soft);
}
.map iframe{width:100%; height:100%; min-height:420px; border:0}

footer{
  padding:36px 0 46px;
  border-top:1px solid rgba(229,231,235,0.9);
  background: rgba(255,255,255,0.6);
}
.footgrid{
  display:grid; grid-template-columns: 1.4fr 1fr 1fr; gap:18px;
}
.footgrid h5{margin:0 0 10px; font-size:14px}
.footgrid a{display:block; padding:6px 0; color: var(--muted); font-weight:800}
.footgrid a:hover{color:#9a3412}
.copy{margin-top:18px; color:var(--muted2); font-weight:700; font-size:12px; line-height:1.6}

.mobile-toggle{display:none}
@media (max-width: 980px){
  .hero-grid{grid-template-columns: 1fr; }
  .kpis{grid-template-columns: 1fr; }
  .grid-3{grid-template-columns: 1fr; }
  .grid-2{grid-template-columns: 1fr; }
  .split{grid-template-columns: 1fr; }
  .steps{grid-template-columns: 1fr 1fr; }
  .partner-strip{grid-template-columns: 1fr; }
  .contact{grid-template-columns: 1fr; }
  .footgrid{grid-template-columns: 1fr; }
  .navlinks{display:none}
  .mobile-toggle{display:inline-flex}
}