/* ===== Welswan Financial Services LLP — shared styles ===== */
:root{
  --navy:#0a3a44; --navy-2:#0c4350; --navy-3:#072a31;
  --teal:#62c8dc; --teal-d:#3fa3b7;
  --white:#ffffff; --ink:#13343b; --muted:#5d7178;
  --bg:#f4f8f9; --card:#ffffff; --line:#e1ebed;
  --shadow:0 18px 45px -20px rgba(10,58,68,.35);
  --radius:16px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3,h4{font-family:'Playfair Display',Georgia,serif;line-height:1.18;color:var(--navy)}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap{width:min(1180px,92%);margin-inline:auto}
.section{padding:96px 0}
.eyebrow{display:inline-block;font-weight:600;letter-spacing:3px;text-transform:uppercase;font-size:.72rem;color:var(--teal-d);background:rgba(98,200,220,.16);padding:7px 16px;border-radius:40px;margin-bottom:18px}
.sec-head{max-width:700px;margin:0 auto 56px;text-align:center}
.sec-head h2{font-size:clamp(1.9rem,4vw,2.7rem)}
.sec-head p{color:var(--muted);margin-top:14px}
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:.95rem;padding:14px 30px;border-radius:40px;cursor:pointer;border:1.5px solid transparent;transition:.25s}
.btn-primary{background:var(--teal);color:var(--navy-3)}
.btn-primary:hover{background:var(--navy);color:#fff;transform:translateY(-2px)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--teal);color:var(--navy-3);transform:translateY(-2px)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}

/* NAV */
header{position:fixed;inset:0 0 auto 0;z-index:50;transition:.3s}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:20px}
.brand img{height:46px;width:auto;display:block}
.menu{display:flex;align-items:center;gap:22px;list-style:none}
.menu a{font-size:.9rem;font-weight:500;color:#dff3f6;opacity:.92;transition:.2s}
.menu a:hover,.menu a.active{opacity:1;color:var(--teal)}
header.scrolled{background:var(--navy);box-shadow:0 8px 30px -12px rgba(0,0,0,.4)}
.nav-cta{background:var(--teal);color:var(--navy-3)!important;padding:10px 20px;border-radius:40px;font-weight:600;font-size:.88rem;opacity:1!important}
.nav-cta:hover{background:#fff!important}
.nav-login{border:1.5px solid rgba(98,200,220,.6);padding:9px 18px;border-radius:40px;color:var(--teal)!important;font-weight:600;font-size:.88rem;opacity:1!important}
.nav-login:hover{background:var(--teal);color:var(--navy-3)!important}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer}
.burger span{width:26px;height:2.5px;background:#fff;border-radius:2px;transition:.3s}

/* PAGE HERO (inner pages) */
.page-hero{background:radial-gradient(800px 500px at 80% -20%,rgba(98,200,220,.22),transparent 60%),linear-gradient(160deg,#072a31,#0a3a44 60%,#0c4350);color:#fff;padding:160px 0 80px;text-align:center;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-150px;bottom:-150px;width:460px;height:460px;border:1px solid rgba(98,200,220,.16);border-radius:50%}
.page-hero h1{color:#fff;font-size:clamp(2.2rem,5vw,3.3rem)}
.page-hero p{color:#c7dee2;max-width:640px;margin:16px auto 0}
.crumbs{font-size:.85rem;color:#9fc1c7;margin-bottom:14px}
.crumbs a:hover{color:var(--teal)}

/* HERO (home) */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;color:#eaf6f8;background:radial-gradient(900px 600px at 80% -10%,rgba(98,200,220,.22),transparent 60%),linear-gradient(160deg,#072a31 0%,#0a3a44 55%,#0c4350 100%);overflow:hidden}
.hero::after{content:"";position:absolute;right:-180px;bottom:-180px;width:560px;height:560px;border-radius:50%;border:1px solid rgba(98,200,220,.18)}
.hero::before{content:"";position:absolute;right:-60px;top:-120px;width:380px;height:380px;border-radius:50%;border:1px solid rgba(98,200,220,.12)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2;padding-top:90px}
.hero-badge{display:inline-flex;align-items:center;gap:9px;font-size:.8rem;font-weight:600;letter-spacing:.5px;color:#cdeef3;border:1px solid rgba(98,200,220,.35);padding:8px 16px;border-radius:40px;margin-bottom:24px}
.hero-badge .dot{width:8px;height:8px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px rgba(98,200,220,.25)}
.hero h1{color:#fff;font-size:clamp(2.4rem,5.4vw,4rem);letter-spacing:-.5px}
.hero h1 span{color:var(--teal)}
.hero p.lead{margin:22px 0 32px;font-size:1.08rem;color:#c7dee2;max-width:520px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-stats{display:flex;gap:38px;margin-top:46px;flex-wrap:wrap}
.hero-stats .n{font-family:'Playfair Display',serif;font-size:2rem;color:#fff}
.hero-stats .l{font-size:.82rem;color:#a7c6cc;letter-spacing:.4px}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);backdrop-filter:blur(6px);border-radius:22px;padding:30px}
.hero-card h3{color:#fff;font-size:1.25rem;margin-bottom:6px}
.hero-card p{color:#bcd7dc;font-size:.92rem;margin-bottom:22px}
.calc-row{display:flex;justify-content:space-between;align-items:center;padding:13px 0;border-bottom:1px dashed rgba(255,255,255,.14);color:#dceef1;font-size:.92rem}
.calc-row:last-child{border-bottom:0}
.calc-row b{color:var(--teal);font-family:'Playfair Display',serif;font-size:1.15rem}
.calc-out{margin-top:18px;background:rgba(98,200,220,.14);border-radius:14px;padding:16px 18px;text-align:center;color:#eaf6f8}
.calc-out .big{font-family:'Playfair Display',serif;font-size:1.9rem;color:#fff;display:block}
input[type=range]{width:100%;accent-color:var(--teal);margin-top:6px}

/* ABOUT */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.about-visual{position:relative;border-radius:22px;overflow:hidden;background:linear-gradient(150deg,var(--navy),var(--navy-2));min-height:420px;display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow)}
.about-visual .ring{position:absolute;border:1px solid rgba(98,200,220,.25);border-radius:50%}
.about-visual .ring.r1{width:300px;height:300px}
.about-visual .ring.r2{width:200px;height:200px}
.about-visual .ring.r3{width:110px;height:110px}
.about-visual .mono{position:relative;z-index:2;text-align:center;color:#fff}
.about-visual .mono .pct{font-family:'Playfair Display',serif;font-size:3.4rem;color:var(--teal)}
.about-visual .badge-float{position:absolute;background:#fff;color:var(--navy);border-radius:14px;padding:14px 18px;box-shadow:var(--shadow);font-size:.85rem;font-weight:600}
.about-visual .b1{top:30px;left:24px}
.about-visual .b2{bottom:34px;right:24px}
.about-text h2{font-size:clamp(1.9rem,4vw,2.7rem);margin-bottom:18px}
.about-text p{color:var(--muted);margin-bottom:16px}
.checks{list-style:none;margin:24px 0 30px;display:grid;gap:14px}
.checks li{display:flex;gap:12px;align-items:flex-start;font-weight:500;color:var(--ink)}
.checks .tick{flex:none;width:24px;height:24px;border-radius:50%;background:rgba(98,200,220,.2);color:var(--teal-d);display:grid;place-items:center;font-weight:700;font-size:.8rem;margin-top:3px}

/* FOUNDER */
#founder{background:#fff}
.founder-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:54px;align-items:center}
.founder-photo{position:relative;border-radius:22px;overflow:hidden;box-shadow:var(--shadow);background:linear-gradient(155deg,var(--navy),var(--navy-2));aspect-ratio:4/5;display:flex;align-items:flex-end;justify-content:center}
.founder-photo img{width:100%;height:100%;object-fit:cover;object-position:top center}
.founder-photo .ph-fallback{position:absolute;inset:0;display:grid;place-items:center;text-align:center;color:#cdeef3}
.founder-photo .ph-fallback .mb{font-family:'Playfair Display',serif;font-size:4rem;color:var(--teal)}
.founder-photo .ribbon{position:absolute;left:0;right:0;bottom:0;background:linear-gradient(0deg,rgba(7,42,49,.92),transparent);padding:26px 22px 18px;color:#fff;text-align:center}
.founder-photo .ribbon b{display:block;font-family:'Playfair Display',serif;font-size:1.3rem}
.founder-photo .ribbon span{color:var(--teal);font-size:.85rem;font-weight:600}
.founder-text p{color:var(--muted);margin-bottom:16px}
.founder-creds{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:22px}
.founder-creds span{background:rgba(98,200,220,.14);border:1px solid rgba(98,200,220,.3);color:var(--teal-d);font-size:.74rem;font-weight:600;padding:6px 12px;border-radius:30px}
.founder-mini{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:24px}
.founder-mini .m{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:16px;text-align:center}
.founder-mini .m b{display:block;font-family:'Playfair Display',serif;font-size:1.5rem;color:var(--navy)}
.founder-mini .m small{color:var(--muted);font-size:.78rem}

/* CARDS / SERVICES / PRODUCTS */
.alt{background:var(--bg)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;transition:.3s}
.card:hover{transform:translateY(-7px);box-shadow:var(--shadow);border-color:transparent}
.card .ico{width:60px;height:60px;border-radius:16px;background:linear-gradient(150deg,var(--navy),var(--navy-2));display:grid;place-items:center;margin-bottom:20px}
.card .ico svg{width:28px;height:28px;stroke:var(--teal);fill:none;stroke-width:2}
.card h3{font-size:1.25rem;margin-bottom:10px}
.card p{color:var(--muted);font-size:.94rem}
.card .pill{display:inline-block;margin-top:14px;font-size:.74rem;font-weight:600;color:var(--teal-d);background:rgba(98,200,220,.14);padding:5px 12px;border-radius:30px}

/* HEALTH / CTA band */
.band{background:linear-gradient(160deg,#072a31,#0a3a44);color:#fff;position:relative;overflow:hidden}
.band::after{content:"";position:absolute;left:-120px;bottom:-120px;width:380px;height:380px;border:1px solid rgba(98,200,220,.15);border-radius:50%}
.health-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center;position:relative;z-index:2}
.health-text .eyebrow{color:var(--teal);background:rgba(98,200,220,.16)}
.health-text h2{color:#fff;font-size:clamp(1.9rem,4vw,2.7rem);margin-bottom:18px}
.health-text p{color:#c7dee2;margin-bottom:18px}
.health-points{list-style:none;display:grid;gap:13px;margin:22px 0 30px}
.health-points li{display:flex;gap:12px;align-items:flex-start;color:#dceef1;font-size:.96rem}
.health-points .tick{flex:none;width:24px;height:24px;border-radius:50%;background:rgba(98,200,220,.2);color:var(--teal);display:grid;place-items:center;font-weight:700;font-size:.8rem;margin-top:2px}
.health-actions{display:flex;gap:14px;flex-wrap:wrap}
.health-promo{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:22px;padding:36px;text-align:center}
.health-promo .big{font-family:'Playfair Display',serif;font-size:3.2rem;color:var(--teal);line-height:1}
.health-promo .sub{color:#bcd7dc;font-size:.95rem;margin:6px 0 4px}
.health-promo .price{margin-top:18px;font-size:1.05rem;color:#fff}
.health-promo .price b{color:var(--teal);font-size:1.6rem;font-family:'Playfair Display',serif}
.health-promo .btn{margin-top:24px;width:100%;justify-content:center}
.health-promo small{display:block;margin-top:14px;color:#9fc1c7;font-size:.74rem}

/* STRIP */
.strip{background:linear-gradient(135deg,var(--navy-3),var(--navy));color:#fff}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;text-align:center}
.strip .n{font-family:'Playfair Display',serif;font-size:2.6rem;color:var(--teal)}
.strip .l{color:#bcd7dc;font-size:.9rem;margin-top:6px}

/* TESTIMONIALS + GOOGLE */
#testimonials{background:#fff}
.gbadge{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;margin-bottom:42px}
.gbadge .gcard{display:flex;align-items:center;gap:14px;background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:14px 22px}
.gbadge .grate{font-family:'Playfair Display',serif;font-size:2.2rem;color:var(--navy);line-height:1}
.gbadge .stars{color:#fbbc05;letter-spacing:2px;font-size:1rem}
.gbadge small{color:var(--muted);font-size:.82rem}
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.tcard{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.3s}
.tcard:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.tcard .stars{color:#fbbc05;letter-spacing:3px;margin-bottom:14px}
.tcard p{color:var(--ink);font-size:.95rem;margin-bottom:22px}
.tcard .who{display:flex;align-items:center;gap:14px}
.tcard .av{width:46px;height:46px;border-radius:50%;background:linear-gradient(150deg,var(--navy),var(--teal-d));color:#fff;display:grid;place-items:center;font-weight:700}
.tcard .who b{display:block;color:var(--navy);font-size:.95rem}
.tcard .who small{color:var(--muted)}

/* PARTNERS */
.pgrid{display:grid;grid-template-columns:repeat(6,1fr);gap:18px}
.pchip{background:#fff;border:1px solid var(--line);border-radius:12px;height:84px;display:grid;place-items:center;text-align:center;font-weight:600;color:var(--navy);font-size:.86rem;padding:8px;transition:.25s}
.pchip:hover{border-color:var(--teal);color:var(--teal-d);transform:translateY(-4px);box-shadow:var(--shadow)}

/* CONTACT */
#contact{background:linear-gradient(160deg,#072a31,#0a3a44)}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:50px}
.contact-info h2{color:#fff;font-size:clamp(1.9rem,4vw,2.6rem);margin-bottom:16px}
.contact-info p{color:#c7dee2;margin-bottom:30px}
.cinfo{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px;color:#dceef1}
.cinfo .ic{flex:none;width:46px;height:46px;border-radius:12px;background:rgba(98,200,220,.16);display:grid;place-items:center}
.cinfo .ic svg{width:20px;height:20px;stroke:var(--teal);fill:none;stroke-width:2}
.cinfo b{display:block;color:#fff;font-size:.95rem}
.cinfo span{font-size:.9rem;color:#bcd7dc}
.cinfo a{color:#bcd7dc}.cinfo a:hover{color:var(--teal)}
.form{background:#fff;border-radius:20px;padding:34px;box-shadow:var(--shadow)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px}
.field label{display:block;font-size:.82rem;font-weight:600;color:var(--navy);margin-bottom:7px}
.field input,.field select,.field textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;font-family:inherit;font-size:.92rem;color:var(--ink);transition:.2s;background:#fbfdfd}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal);background:#fff}
.field textarea{resize:vertical;min-height:110px}
.form .btn{width:100%;justify-content:center}
.form-note{font-size:.78rem;color:var(--muted);text-align:center;margin-top:12px}

/* CALCULATORS */
.calc-tabs{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:40px}
.calc-tab{border:1.5px solid var(--line);background:#fff;color:var(--navy);font-weight:600;font-size:.88rem;padding:11px 20px;border-radius:40px;cursor:pointer;transition:.2s}
.calc-tab:hover{border-color:var(--teal)}
.calc-tab.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.calc-panel{display:none}
.calc-panel.active{display:block;animation:fade .4s ease}
@keyframes fade{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.calc-box{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:38px;box-shadow:var(--shadow)}
.calc-inputs h3{font-size:1.4rem;margin-bottom:6px}
.calc-inputs .desc{color:var(--muted);font-size:.9rem;margin-bottom:22px}
.cf{margin-bottom:22px}
.cf .lab{display:flex;justify-content:space-between;align-items:center;font-size:.9rem;font-weight:600;color:var(--ink);margin-bottom:8px}
.cf .val{color:var(--teal-d);font-family:'Playfair Display',serif;font-size:1.1rem}
.calc-result{background:linear-gradient(155deg,var(--navy),var(--navy-2));border-radius:16px;padding:30px;color:#fff;display:flex;flex-direction:column;justify-content:center;text-align:center}
.calc-result .rlabel{color:#bcd7dc;font-size:.85rem}
.calc-result .rbig{font-family:'Playfair Display',serif;font-size:2.6rem;color:var(--teal);margin:6px 0 18px;line-height:1.1}
.calc-result .rrow{display:flex;justify-content:space-between;padding:10px 0;border-top:1px dashed rgba(255,255,255,.15);font-size:.9rem;color:#dceef1}
.calc-result .rrow b{color:#fff}
.calc-note{font-size:.74rem;color:var(--muted);text-align:center;margin-top:18px}

/* FOOTER */
footer{background:var(--navy-3);color:#bcd7dc;padding:64px 0 0}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:46px}
footer .brand img{height:44px;width:auto;margin-bottom:18px}
footer p{font-size:.9rem;line-height:1.7}
footer h4{color:#fff;font-size:1rem;margin-bottom:18px;font-family:'Inter';font-weight:600}
footer ul{list-style:none;display:grid;gap:11px}
footer ul a{font-size:.9rem;color:#bcd7dc;transition:.2s}
footer ul a:hover{color:var(--teal)}
.socials{display:flex;gap:12px;margin-top:18px}
.socials a{width:40px;height:40px;border-radius:50%;border:1px solid rgba(255,255,255,.18);display:grid;place-items:center;transition:.25s}
.socials a:hover{background:var(--teal);border-color:var(--teal)}
.socials svg{width:17px;height:17px;fill:#ddf2f5;transition:.25s}
.socials a:hover svg{fill:var(--navy-3)}
.tagline{font-size:.8rem;font-weight:600;color:var(--teal);letter-spacing:.3px;margin:-6px 0 12px}
.arn-line{background:rgba(98,200,220,.1);border:1px solid rgba(98,200,220,.25);border-radius:10px;padding:10px 14px;margin-top:16px;font-size:.85rem;color:#dceef1}
.arn-line b{color:var(--teal)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;font-size:.82rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;color:#90b2b9}
/* AMFI commission disclosure bar */
.compliance-bar{background:#eef5f6;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.compliance-bar .wrap{padding:14px 0;font-size:.82rem;color:#3f5a61;text-align:center;line-height:1.55}
.compliance-bar a{color:var(--teal-d);font-weight:600;text-decoration:underline}
.disclaimer{background:var(--navy-3);padding:0 0 26px}
.disclaimer .wrap{font-size:.8rem;color:#8aabb1;line-height:1.65;border-top:1px solid rgba(255,255,255,.06);padding-top:20px}
.disclaimer .risk{display:block;color:#cfe6ea;font-weight:600;margin-bottom:8px}

/* AWARDS gallery */
.awards-gallery{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.award-img{position:relative;border-radius:var(--radius);overflow:hidden;background:linear-gradient(150deg,var(--navy),var(--navy-2));aspect-ratio:4/3;box-shadow:var(--shadow)}
.award-img img{width:100%;height:100%;object-fit:cover}
.award-img .ph{position:absolute;inset:0;display:grid;place-items:center;text-align:center;color:#9fc1c7;font-size:.85rem;padding:16px}
.award-img .cap{position:absolute;left:0;right:0;bottom:0;background:linear-gradient(0deg,rgba(7,42,49,.92),transparent);color:#fff;padding:22px 16px 12px;font-size:.85rem;font-weight:600}

/* PERFORMANCE / MF returns */
.perf-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.perf-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.3s}
.perf-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}
.perf-card h3{font-size:1.18rem;margin-bottom:6px}
.perf-card p{color:var(--muted);font-size:.9rem;margin-bottom:16px}
.perf-card .links{display:flex;gap:10px;flex-wrap:wrap}
.perf-card .links a{font-size:.82rem;font-weight:600;color:var(--teal-d);border:1.5px solid var(--line);border-radius:30px;padding:8px 14px;transition:.2s}
.perf-card .links a:hover{border-color:var(--teal);background:rgba(98,200,220,.1)}
.note-box{background:#fff7ed;border:1px solid #f4d9b0;border-radius:14px;padding:18px 22px;color:#7a5a2e;font-size:.86rem;line-height:1.6;margin-