/* FinNTax Novus – Home page (1d Modern) */
:root{
  --ink:#0f1f17;
  --ink-2:#4b564e;
  --paper:#f3f1ea;
  --white:#fff;
  --gold:#e8b84a;
  --gold-d:#b08524;
  --line:#e1dccd;
  --mute:#9aa69c;
  --wa:#25d366;
  --r-lg:28px;
  --font:'Schibsted Grotesk',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  --serif:'Instrument Serif',Georgia,serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font);-webkit-font-smoothing:antialiased;line-height:1.5}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4,p,ul,ol{margin:0}
ul,ol{padding:0;list-style:none}
.serif{font-family:var(--serif);font-style:italic;font-weight:400;letter-spacing:-.02em}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--ink);padding:8px 14px;border-radius:8px;z-index:200}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold-d);outline-offset:2px}
.ico{width:18px;height:18px;flex:none}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:inherit;font-weight:700;font-size:15px;padding:16px 26px;border-radius:999px;border:1px solid transparent;cursor:pointer;transition:transform .2s,background .2s,color .2s,box-shadow .2s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-dark{background:var(--ink);color:var(--paper)}
.btn-dark:hover{box-shadow:0 10px 24px rgba(15,31,23,.25)}
.btn-outline{border-color:var(--ink);color:var(--ink);font-weight:600}
.btn-outline:hover{background:var(--ink);color:var(--paper)}
.btn-outline-dark{border-color:var(--ink);color:var(--ink);font-weight:600}
.btn-outline-dark:hover{background:var(--ink);color:var(--gold)}
.btn-gold{background:var(--gold);color:var(--ink)}
.btn-gold:hover{box-shadow:0 10px 24px rgba(232,184,74,.4)}
.btn-row{display:flex;gap:12px;flex-wrap:wrap}

/* Nav */
.nav-wrap{position:sticky;top:0;z-index:100;padding:16px 40px 0;background:linear-gradient(var(--paper) 55%,rgba(243,241,234,0))}
.nav{max-width:1280px;margin:0 auto;background:var(--ink);border-radius:999px;color:var(--paper);display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 12px 10px 24px;position:relative}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:40px;height:36px}
.brand-text{display:flex;flex-direction:column}
.brand-text b{font-size:19px;font-weight:700;letter-spacing:-.01em;line-height:1}
.brand-text small{font-size:9px;letter-spacing:.22em;color:var(--gold);font-weight:600;margin-top:4px}
.nav-links{display:flex;gap:4px;font-size:14px;font-weight:500}
.nav-links a{padding:8px 15px;border-radius:999px;transition:background .2s}
.nav-links a:hover{background:rgba(255,255,255,.07)}
.nav-links a.active{background:rgba(255,255,255,.12)}
.nav-cta{padding:12px 20px;font-size:14px}
.burger{display:none;width:44px;height:44px;border-radius:50%;border:0;background:rgba(255,255,255,.1);cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.burger span{width:18px;height:2px;background:var(--paper);border-radius:2px;transition:transform .25s,opacity .2s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Hero */
.hero{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 1.15fr;gap:32px;align-items:center;padding:40px 40px 32px 56px}
.hero-text{display:flex;flex-direction:column;gap:26px}
.pill{align-self:flex-start;display:inline-flex;align-items:center;gap:10px;font-size:13px;font-weight:600;background:var(--white);border:1px solid var(--line);padding:8px 14px;border-radius:999px}
.dot{width:8px;height:8px;border-radius:50%;background:var(--gold)}
.hero h1{font-weight:600;font-size:clamp(38px,5.2vw,68px);line-height:1;letter-spacing:-.04em;text-wrap:balance}
.hero h1 .serif{color:var(--gold-d)}
.lead{font-size:18px;line-height:1.55;color:var(--ink-2);max-width:480px}
.trust-line{font-weight:700;font-size:15px;display:flex;align-items:center;gap:10px}
.trust-line::before{content:"";width:28px;height:2px;background:var(--gold)}
.small{font-size:13px;color:#6a706a;max-width:460px}
.hero-art img{border-radius:28px;box-shadow:0 30px 70px rgba(15,31,23,.28);aspect-ratio:3/2;object-fit:cover}

/* Ticker */
.ticker{max-width:1200px;margin:16px auto 0;background:var(--ink);border-radius:24px;overflow:hidden;padding:22px 0;font-size:14px;color:var(--mute);width:calc(100% - 80px)}
.ticker-track{display:flex;gap:40px;width:max-content;white-space:nowrap;animation:scroll 32s linear infinite}
.ticker i{color:var(--gold);font-style:normal}
@keyframes scroll{to{transform:translateX(-50%)}}

/* Trust bar */
.trustbar{max-width:1280px;margin:0 auto;padding:40px 40px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.trustbar div{display:flex;align-items:center;gap:14px;background:var(--white);border:1px solid var(--line);border-radius:20px;padding:18px 20px;font-size:14px;font-weight:600;line-height:1.35}
.trustbar .ico{width:36px;height:36px;padding:8px;border-radius:50%;background:var(--ink);color:var(--gold)}

/* Sections */
.section{max-width:1280px;margin:0 auto;padding:96px 80px 0}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);margin-bottom:14px}
.eyebrow.gold{color:var(--gold)}
h2{font-size:clamp(32px,4.4vw,56px);font-weight:600;letter-spacing:-.03em;line-height:1.02;text-wrap:balance}
h3{font-size:22px;font-weight:600;letter-spacing:-.01em;line-height:1.2}
.sub{font-size:17px;color:var(--ink-2);margin-top:16px;max-width:520px}

/* About */
.about-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:start}
.about p{font-size:17px;line-height:1.65;color:var(--ink-2);margin-top:20px}
.about h2{max-width:560px}
.beliefs{background:var(--white);border-radius:24px;padding:36px;display:flex;flex-direction:column;gap:22px}
.beliefs h3{font-size:24px}
.belief{display:flex;gap:18px;align-items:flex-start;font-size:16px;line-height:1.55;color:var(--ink-2);padding-top:20px;border-top:1px solid var(--line)}
.belief b{color:var(--ink)}
.num{font-weight:700;font-size:14px;color:var(--gold-d);padding-top:3px}

/* Services */
.services-head{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;flex-wrap:wrap;margin-bottom:40px}
.tabs{display:flex;gap:8px;flex-wrap:wrap}
.tab{font-family:inherit;font-size:15px;font-weight:600;padding:12px 20px;border-radius:999px;cursor:pointer;border:1px solid var(--ink);background:transparent;color:var(--ink);transition:background .2s,color .2s}
.tab:hover{background:rgba(15,31,23,.08)}
.tab[aria-selected="true"]{background:var(--ink);color:var(--paper)}
.svc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.svc{background:var(--white);border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:28px;min-height:200px;justify-content:space-between;transition:background .25s,color .25s,transform .25s;animation:pop .45s both}
.svc:hover{background:var(--ink);color:var(--paper);transform:translateY(-4px)}
.svc .i{font-size:14px;font-weight:600;color:var(--gold-d)}
.svc:hover .i{color:var(--gold)}
.svc h3{margin-bottom:8px}
.svc p{font-size:14px;line-height:1.5;opacity:.72}
@keyframes pop{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}

/* Who */
.who-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:40px}
.who-grid li{background:var(--white);border:1px solid var(--line);border-radius:20px;padding:24px;font-size:15px;line-height:1.5;color:var(--ink-2)}
.who-grid li b{display:block;color:var(--ink);font-size:17px;font-weight:600;margin-bottom:6px;line-height:1.25}

/* NRI */
.nri{margin:96px 40px 0;background:var(--ink);color:var(--paper);border-radius:var(--r-lg)}
.nri-inner{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1.3fr 1fr;gap:56px;padding:72px 56px}
.nri h2 .serif{color:var(--gold)}
.nri-main p{color:#bfc7bf;font-size:17px;line-height:1.6;margin:22px 0 28px;max-width:560px}
.nri h3{font-size:18px;color:var(--gold);margin-bottom:14px}
.ticks{display:flex;flex-direction:column;gap:12px;margin-bottom:32px}
.ticks li{position:relative;padding-left:30px;color:#dfe5df;font-size:16px}
.ticks li::before{content:"✦";position:absolute;left:0;color:var(--gold)}
.nri-steps{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:24px;padding:36px;align-self:start}
.nri-steps ol{counter-reset:s;display:flex;flex-direction:column;gap:18px}
.nri-steps li{counter-increment:s;display:flex;gap:16px;align-items:center;font-size:16px;color:#dfe5df}
.nri-steps li::before{content:counter(s);flex:none;width:36px;height:36px;border-radius:50%;background:var(--gold);color:var(--ink);font-weight:700;display:flex;align-items:center;justify-content:center}
.nri-note{margin-top:26px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-family:var(--serif);font-style:italic;font-size:24px;color:var(--gold)}

/* Why */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:40px}
.card{background:var(--white);border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:12px;border:1px solid transparent;transition:border-color .2s,transform .2s}
.card:hover{border-color:var(--gold);transform:translateY(-3px)}
.idx{font-size:14px;font-weight:600;color:var(--gold-d)}
.card p{font-size:15px;color:var(--ink-2);line-height:1.55}

/* How */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:40px}
.step{background:var(--gold);border-radius:24px;padding:28px;display:flex;flex-direction:column;gap:12px;min-height:220px}
.step-n{font-family:var(--serif);font-style:italic;font-size:60px;line-height:1}
.step p{font-size:15px;line-height:1.5}

/* Dates */
.dates-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:56px;align-items:center}
.note{margin-top:20px;font-size:15px;color:var(--ink-2);max-width:420px;font-style:italic}
.table-wrap{background:var(--white);border-radius:24px;padding:12px 28px;overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:15px}
th{text-align:left;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-d);padding:18px 0 12px}
td{padding:16px 0;border-top:1px solid var(--line)}
td:first-child{font-weight:600;padding-right:20px}
td:last-child{color:var(--ink-2)}

/* FAQ */
.faq-grid{display:grid;grid-template-columns:1fr 1.7fr;gap:56px;align-items:start}
.faq-grid > div:first-child{position:sticky;top:110px}
.faq-list{display:flex;flex-direction:column;gap:10px}
details{background:var(--white);border-radius:18px;transition:background .2s}
details[open]{background:var(--white);box-shadow:inset 0 0 0 1.5px var(--gold)}
summary{list-style:none;cursor:pointer;padding:20px 24px;font-weight:600;font-size:16px;display:flex;justify-content:space-between;align-items:center;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";flex:none;width:30px;height:30px;border-radius:50%;background:var(--ink);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:20px;line-height:1;transition:transform .25s}
details[open] summary::after{transform:rotate(45deg)}
details p{padding:0 24px 22px;color:var(--ink-2);font-size:15px;line-height:1.65;max-width:640px}

/* CTA */
.cta-wrap{padding:96px 40px 40px;max-width:1360px;margin:0 auto}
.cta{background:var(--gold);border-radius:var(--r-lg);padding:64px;display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.cta h2{font-size:clamp(32px,4.2vw,52px)}
.cta p{font-size:18px;margin:18px 0 28px}
.cta-links{display:flex;flex-direction:column;font-size:20px;font-weight:600}
.cta-links a{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:14px 0;border-bottom:1.5px solid var(--ink);transition:padding .2s}
.cta-links a:last-child{border-bottom:0}
.cta-links a:hover{padding-left:8px}
.cta-links small{display:block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;opacity:.65}
.cta-links span:last-child{font-size:24px}

/* Footer */
.footer{max-width:1280px;margin:0 auto;padding:24px 80px 32px;font-size:14px;color:#4b564e}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1.3fr;gap:40px;padding:32px 0;border-bottom:1px solid var(--line)}
.footer .brand-text b{color:var(--ink)}
.footer .brand-text small{color:var(--gold-d)}
.footer-brand p{margin-top:16px;max-width:320px;line-height:1.6}
.footer h4{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);margin-bottom:14px}
.footer-top a:not(.brand){display:block;padding:4px 0;color:var(--ink)}
.footer-top a:not(.brand):hover{color:var(--gold-d)}
.area{margin-top:10px;line-height:1.55}
.disclaimer{padding:20px 0;font-size:12.5px;color:#6a706a;max-width:760px;line-height:1.6}
.footer-bottom{font-size:13px;color:#6a706a}

/* Floating / sticky CTAs */
.fab{position:fixed;right:24px;bottom:24px;width:60px;height:60px;border-radius:50%;background:var(--wa);color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 28px rgba(0,0,0,.28);z-index:90;transition:transform .2s}
.fab:hover{transform:scale(1.08)}
.fab svg{width:32px;height:32px}
.mbar{display:none}

/* Scroll reveal */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.js .reveal.in{opacity:1;transform:none}

/* Responsive */
@media (max-width:1100px){
  .nav-wrap{padding:12px 20px 0}
  .nav-links{display:none;position:absolute;top:calc(100% + 8px);left:0;right:0;flex-direction:column;background:var(--ink);border-radius:24px;padding:12px;gap:2px}
  .nav-links.open{display:flex}
  .nav-links a{padding:14px 18px;font-size:16px}
  .burger{display:flex}
  .nav-cta{margin-left:auto}
  .hero{grid-template-columns:1fr;padding:32px 20px 24px}
  .ticker{width:calc(100% - 40px)}
  .trustbar{grid-template-columns:repeat(2,1fr);padding:32px 20px 0}
  .section{padding:72px 20px 0}
  .about-grid,.dates-grid,.faq-grid{grid-template-columns:1fr;gap:32px}
  .faq-grid > div:first-child{position:static}
  .svc-grid,.why-grid{grid-template-columns:repeat(2,1fr)}
  .who-grid,.steps{grid-template-columns:repeat(2,1fr)}
  .nri{margin:72px 20px 0}
  .nri-inner{grid-template-columns:1fr;padding:48px 28px;gap:36px}
  .cta-wrap{padding:72px 20px 24px}
  .cta{grid-template-columns:1fr;padding:44px 28px}
  .footer{padding:24px 20px 96px}
  .footer-top{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
}
@media (max-width:640px){
  .nav{padding:8px 8px 8px 16px}
  .nav-cta{display:none}
  .burger{margin-left:auto}
  .brand-text b{font-size:17px}
  .btn{padding:15px 22px}
  .btn-row .btn{flex:1 1 100%}
  .trustbar,.svc-grid,.why-grid,.who-grid,.steps{grid-template-columns:1fr}
  .svc{min-height:160px}
  .step{min-height:0}
  .footer-top{grid-template-columns:1fr}
  .table-wrap{padding:8px 18px}
  .cta-links{font-size:18px}
  .fab{display:none}
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:95;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:var(--ink);box-shadow:0 -8px 24px rgba(0,0,0,.2)}
  .mbar a{display:flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:15px;padding:14px;border-radius:999px}
  .mbar-wa{background:var(--wa);color:#073b1d}
  .mbar-call{background:var(--gold);color:var(--ink)}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .ticker-track{animation:none}
  .js .reveal{opacity:1;transform:none;transition:none}
  .svc{animation:none}
}