:root{
    --ink:#17140f;
    --paper:#f6f2e8;
    --paper-2:#efe9da;
    --gold:#f5b700;
    --gold-deep:#c98f00;
    --stone:#a9a186;
    --charcoal:#1c1812;
    --line: rgba(23,20,15,0.14);
    --radius: 14px;
  }

  *{ box-sizing:border-box; }
  html{ scroll-behavior:smooth; }
  @media (prefers-reduced-motion: reduce){
    html{ scroll-behavior:auto; }
    *{ animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; }
  }

  body{
    margin:0;
    background:var(--paper);
    color:var(--ink);
    font-family:'Work Sans', sans-serif;
    font-size:16px;
    line-height:1.55;
    -webkit-font-smoothing:antialiased;
  }

  h1,h2,h3,.wordmark,.stat-num{
    font-family:'Space Grotesk', sans-serif;
    letter-spacing:-0.01em;
  }

  a{ color:inherit; }
  img{ max-width:100%; display:block; }
  .container{ max-width:1180px; margin:0 auto; padding:0 28px; }

  :focus-visible{
    outline: 3px solid var(--ink);
    outline-offset: 3px;
  }

  /* ---------- Top contact strip ---------- */
  .topbar{
    background:var(--charcoal);
    color:var(--paper);
    font-size:13.5px;
  }
  .topbar .container{
    display:flex; justify-content:space-between; align-items:center;
    padding-top:9px; padding-bottom:9px; gap:16px; flex-wrap:wrap;
  }
  .topbar-links{ display:flex; gap:20px; flex-wrap:wrap; }
  .topbar-links a{ text-decoration:none; opacity:0.92; }
  .topbar-links a:hover{ color:var(--gold); opacity:1; }
  .topbar-tag{ opacity:0.6; letter-spacing:0.04em; text-transform:uppercase; font-size:11.5px; }

  /* ---------- Header ---------- */
  header.site{
    background:var(--paper);
    border-bottom:1px solid var(--line);
    position:sticky; top:0; z-index:50;
  }
  .nav-row{
    display:flex; align-items:center; justify-content:space-between;
    padding:16px 0;
  }
  .wordmark{
    display:flex; align-items:center; gap:10px;
    text-decoration:none; color:var(--ink);
  }
  .wordmark .badge{
    width:40px; height:40px; border-radius:50%;
    background:var(--gold);
    display:flex; align-items:center; justify-content:center;
    font-weight:700; font-size:19px; flex-shrink:0;
  }
  .wordmark .wm-text{ line-height:1.05; }
  .wordmark .wm-text .top{ font-weight:700; font-size:21px; display:block; }
  .wordmark .wm-text .bottom{ font-family:'Work Sans',sans-serif; font-weight:500; font-size:12.5px; letter-spacing:0.14em; text-transform:uppercase; opacity:0.65; display:block; }

  nav.primary{ display:flex; align-items:center; gap:30px; }
  nav.primary a{ text-decoration:none; font-weight:500; font-size:14.5px; color:var(--ink); opacity:0.8; }
  nav.primary a:hover{ opacity:1; }
  .cta-btn{
    background:var(--ink); color:var(--paper) !important;
    padding:11px 20px; border-radius:999px; opacity:1 !important;
    font-weight:600; font-size:14px;
    display:inline-flex; align-items:center; gap:8px;
    transition: background 0.15s ease, transform 0.15s ease;
  }
  .cta-btn:hover{ background:var(--gold-deep); transform:translateY(-1px); }

  .nav-toggle{ display:none; background:none; border:none; cursor:pointer; padding:6px; }
  .nav-toggle span{ display:block; width:24px; height:2px; background:var(--ink); margin:5px 0; }

  /* ---------- Hero ---------- */
  .hero{
    position:relative;
    overflow:hidden;
    background:
      linear-gradient(100deg, rgba(23,20,15,0.94) 0%, rgba(23,20,15,0.8) 45%, rgba(23,20,15,0.55) 100%),
      var(--ink) url("ladies.jpg") center 30% / cover no-repeat;
    color:var(--paper);
    padding:88px 0 110px;
  }
  .hero::before{
    content:"";
    position:absolute; top:-20%; right:-12%;
    width:60%; height:150%;
    background:var(--gold);
    clip-path: polygon(38% 0, 100% 0, 100% 100%, 0% 100%);
    opacity:0.97;
  }
  .hero::after{
    content:"";
    position:absolute; bottom:-30%; right:8%;
    width:26%; height:80%;
    background:var(--charcoal);
    clip-path: polygon(50% 0, 100% 100%, 0 100%);
    opacity:0.5;
  }
  .hero-grid{
    position:relative; z-index:2;
    display:grid; grid-template-columns: 1.15fr 0.85fr; gap:48px; align-items:center;
  }
  .eyebrow{
    display:inline-block; text-transform:uppercase; letter-spacing:0.16em;
    font-size:12px; font-weight:600; color:var(--gold);
    border:1px solid rgba(245,183,0,0.5); border-radius:999px;
    padding:6px 14px; margin-bottom:22px;
  }
  .hero h1{
    font-size:clamp(34px, 5vw, 54px);
    font-weight:700; line-height:1.08; margin:0 0 22px;
    max-width:12ch;
  }
  .hero p.lede{
    font-size:18px; max-width:44ch; color:rgba(246,242,232,0.82);
    margin:0 0 32px;
  }
  .hero-ctas{ display:flex; gap:14px; flex-wrap:wrap; }
  .btn{
    display:inline-flex; align-items:center; gap:8px;
    padding:14px 26px; border-radius:999px;
    font-weight:600; font-size:15px; text-decoration:none;
    transition: transform 0.15s ease, background 0.15s ease, box-shadow .15s ease;
  }
  .btn-gold{ background:var(--gold); color:var(--ink); }
  .btn-gold:hover{ transform:translateY(-2px); box-shadow:0 10px 24px rgba(245,183,0,0.28); }
  .btn-ghost{ background:transparent; color:var(--paper); border:1px solid rgba(246,242,232,0.4); }
  .btn-ghost:hover{ border-color:var(--paper); }

  /* Hero mini-report signature card */
  .report-card{
    position:relative; z-index:3;
    background:var(--paper); color:var(--ink);
    border-radius:var(--radius);
    padding:22px 22px 18px;
    box-shadow:0 30px 60px rgba(0,0,0,0.35);
  }
  .report-card .rc-head{
    display:flex; justify-content:space-between; align-items:flex-start;
    border-bottom:1px solid var(--line); padding-bottom:12px; margin-bottom:14px;
  }
  .report-card .rc-head .rc-title{ font-weight:700; font-size:14px; font-family:'Space Grotesk',sans-serif; }
  .report-card .rc-head .rc-sub{ font-size:11.5px; opacity:0.55; margin-top:2px; }
  .report-card .rc-pill{
    background:var(--gold); color:var(--ink); font-size:10.5px; font-weight:700;
    padding:4px 9px; border-radius:6px; text-transform:uppercase; letter-spacing:0.04em;
  }
  .rc-stats{ display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:16px; }
  .rc-stat{ border:1px solid var(--line); border-radius:10px; padding:10px 12px; }
  .rc-stat .lbl{ font-size:11px; opacity:0.55; margin-bottom:4px; }
  .rc-stat .val{ font-family:'Space Grotesk',sans-serif; font-weight:700; font-size:16.5px; }
  .rc-stat.in .val{ color:#1c7a4e; }
  .rc-stat.out .val{ color:#b8391f; }
  .rc-bars{ display:flex; align-items:flex-end; gap:6px; height:56px; }
  .rc-bars span{ flex:1; background:var(--gold); border-radius:3px 3px 0 0; opacity:0.85; }

  /* ---------- Section shells ---------- */
  section{ padding:88px 0; }
  .section-head{ max-width:640px; margin:0 auto 48px; text-align:center; }
  .kicker{
    text-transform:uppercase; letter-spacing:0.16em; font-size:12px; font-weight:600;
    color:var(--gold-deep); margin-bottom:12px;
  }
  .section-head h2{ font-size:clamp(26px,3.4vw,36px); font-weight:700; margin:0 0 14px; line-height:1.15; }
  .section-head p{ font-size:16.5px; opacity:0.72; margin:0; }

  /* ---------- Questions ---------- */
  .questions{ background:var(--stone); color:var(--ink); }
  .questions .kicker{ color:var(--charcoal); opacity:0.7; }
  .questions .section-head p{ color:rgba(23,20,15,0.7); }
  .q-list{
    max-width:760px; margin:0 auto;
    border-top:1px solid rgba(23,20,15,0.24);
  }
  .q-row{
    display:flex; align-items:center; gap:20px;
    padding:26px 4px;
    border-bottom:1px solid rgba(23,20,15,0.24);
  }
  .q-row .q-icon{
    width:46px; height:46px; border-radius:50%;
    display:flex; align-items:center; justify-content:center;
    flex-shrink:0;
  }
  .q-row:nth-child(1) .q-icon{ background:var(--ink); }
  .q-row:nth-child(2) .q-icon{ background:var(--gold); }
  .q-row:nth-child(3) .q-icon{ background:var(--paper); }
  .q-row:nth-child(1) .q-icon svg{ stroke:var(--gold); }
  .q-row:nth-child(2) .q-icon svg{ stroke:var(--ink); }
  .q-row:nth-child(3) .q-icon svg{ stroke:var(--charcoal); }
  .q-row p{
    margin:0; font-family:'Space Grotesk',sans-serif; font-weight:600;
    font-size:clamp(17px,2.1vw,21px); line-height:1.35; color:var(--ink);
  }

  /* ---------- Services ---------- */
  .service-row{
    display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center;
    padding:56px 0; border-bottom:1px solid var(--line);
  }
  .service-row:last-child{ border-bottom:none; }
  .service-row.reverse .service-copy{ order:2; }
  .service-row.reverse .service-visual{ order:1; }
  .service-copy .kicker{ margin-bottom:10px; }
  .service-copy h3{ font-size:26px; font-weight:700; margin:0 0 14px; }
  .service-copy p{ font-size:16px; opacity:0.78; margin:0 0 18px; }
  .service-copy ul{ margin:0 0 22px; padding-left:0; list-style:none; }
  .service-copy ul li{
    display:flex; gap:10px; align-items:flex-start; margin-bottom:10px; font-size:15.5px;
  }
  .service-copy ul li::before{
    content:""; width:7px; height:7px; border-radius:50%; background:var(--gold-deep);
    margin-top:8px; flex-shrink:0;
  }
  .price-badge{
    display:inline-flex; flex-direction:column; align-items:center; justify-content:center;
    text-align:center;
    width:118px; height:118px;
    background:var(--gold); color:var(--ink);
    clip-path: polygon(50% 0%, 61% 10%, 75% 4%, 80% 18%, 93% 18%, 90% 32%, 100% 40%, 90% 50%, 100% 60%, 90% 68%, 93% 82%, 80% 82%, 75% 96%, 61% 90%, 50% 100%, 39% 90%, 25% 96%, 20% 82%, 7% 82%, 10% 68%, 0% 60%, 10% 50%, 0% 40%, 10% 32%, 7% 18%, 20% 18%, 25% 4%, 39% 10%);
    font-family:'Space Grotesk',sans-serif;
    padding:8px;
  }
  .price-badge .amt{ font-weight:700; font-size:16.5px; line-height:1.1; }
  .price-badge .per{ font-size:10px; font-weight:600; opacity:0.75; }

  /* Visual: monthly summary card (reuse mini style) */
  .service-visual{ display:flex; justify-content:center; }
  .visual-card{
    background:var(--paper-2); border:1px solid var(--line); border-radius:var(--radius);
    padding:24px; width:100%; max-width:380px;
  }
  .payslip{ font-size:13px; }
  .payslip .ps-row{ display:flex; justify-content:space-between; padding:7px 0; border-bottom:1px dashed var(--line); }
  .payslip .ps-row:last-child{ border-bottom:none; }
  .payslip .ps-row.total{ font-weight:700; font-family:'Space Grotesk',sans-serif; font-size:15px; padding-top:12px; }
  .stokvel-ring{
    display:flex; align-items:center; gap:18px;
  }
  .stokvel-ring .ring{
    width:96px; height:96px; border-radius:50%;
    background: conic-gradient(var(--gold) 0 35%, var(--ink) 35% 60%, var(--gold-deep) 60% 82%, #cfc6ac 82% 100%);
    flex-shrink:0;
  }
  .stokvel-ring .legend div{ font-size:12.5px; margin-bottom:6px; display:flex; align-items:center; gap:8px; }
  .stokvel-ring .legend span.dot{ width:9px; height:9px; border-radius:50%; display:inline-block; }

  /* ---------- Trust / ACCA ---------- */
  .trust{
    background:var(--charcoal); color:var(--paper);
    padding:56px 0;
  }
  .trust .container{
    display:flex; align-items:center; justify-content:center; gap:22px; flex-wrap:wrap;
    text-align:center;
  }
  .trust .acca-logo{
    height:46px; width:auto;
  }
  .trust p{ margin:0; font-size:15.5px; opacity:0.85; max-width:46ch; }

  /* ---------- Final CTA ---------- */
  .final-cta{
    background:var(--gold);
    text-align:center;
    padding:80px 0;
  }
  .final-cta h2{ font-size:clamp(26px,3.6vw,38px); font-weight:700; margin:0 0 16px; }
  .final-cta p{ font-size:16.5px; margin:0 0 30px; opacity:0.85; }
  .final-cta .btn-ghost{ background:var(--ink); color:var(--paper); border:none; }
  .final-cta .btn-ghost:hover{ background:var(--charcoal); }

  /* ---------- Footer ---------- */
  footer.site{
    background:var(--ink); color:rgba(246,242,232,0.7);
    padding:52px 0 26px; font-size:14px;
  }
  .footer-top{
    display:flex; justify-content:space-between; gap:40px; flex-wrap:wrap;
    padding-bottom:36px; border-bottom:1px solid rgba(246,242,232,0.14);
    margin-bottom:22px;
  }
  .footer-top .wordmark .wm-text .bottom{ opacity:0.5; }
  .footer-top .wordmark{ color:var(--paper); }
  .footer-contact div{ margin-bottom:8px; }
  .footer-contact a{ text-decoration:none; }
  .footer-contact a:hover{ color:var(--gold); }
  .footer-bottom{
    display:flex; justify-content:space-between; align-items:center; gap:16px; flex-wrap:wrap;
    font-size:13px;
  }
  .footer-links a{ text-decoration:none; opacity:0.75; }
  .footer-links a:hover{ opacity:1; color:var(--gold); }
  .footer-links .sep{ margin:0 10px; opacity:0.4; }

  /* ---------- Responsive ---------- */
  @media (max-width: 880px){
    .hero-grid{ grid-template-columns:1fr; }
    .hero::after{ display:none; }
    .report-card{ transform:none; max-width:420px; }
    .service-row, .service-row.reverse{ grid-template-columns:1fr; }
    .service-row.reverse .service-copy, .service-row.reverse .service-visual{ order:unset; }
  }
  @media (max-width: 560px){
    .q-row{ flex-direction:column; gap:8px; }
  }
  @media (max-width: 720px){
    nav.primary{
      position:absolute; top:100%; left:0; right:0;
      background:var(--paper); border-bottom:1px solid var(--line);
      flex-direction:column; align-items:flex-start; gap:0;
      max-height:0; overflow:hidden; transition:max-height 0.22s ease;
    }
    nav.primary.open{ max-height:320px; }
    nav.primary a{ padding:14px 28px; width:100%; border-top:1px solid var(--line); opacity:1; }
    nav.primary .cta-btn{ margin:14px 28px; }
    .nav-toggle{ display:block; }
    .topbar .container{ font-size:12.5px; }
  }