* { box-sizing: border-box; margin: 0; padding: 0; font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; }
body { background: #f8f9fa; color: #333; line-height: 1.6; }
a { text-decoration: none; color: inherit; }

/* Header & Mega Menu */
.site-header { background: #fff; border-bottom: 2px solid #eaeaea; position: sticky; top: 0; z-index: 1000; }
.header-container { max-width: 1200px; margin: auto; display: flex; justify-content: space-between; align-items: center; padding: 15px 20px; }
.logo a { font-size: 24px; color: #0b3c5d; }
.nav-menu ul { display: flex; list-style: none; gap: 20px; }
.nav-menu a { font-weight: 600; font-size: 15px; color: #333; padding: 10px; }
.nav-menu a:hover { color: #328cc1; }

.mega-dropdown-trigger { position: relative; }
.mega-menu { 
    display: none; 
    position: absolute; 
    top: 100%; 
    left: -100px; 
    width: 600px; 
    background: #fff; 
    box-shadow: 0 8px 20px rgba(0,0,0,0.1); 
    border-radius: 6px; 
    padding: 20px; 
    grid-template-columns: repeat(3, 1fr); 
    gap: 15px; 
}
.mega-dropdown-trigger:hover .mega-menu { display: grid; }
.mega-column h4 { font-size: 14px; text-transform: uppercase; color: #d9b310; margin-bottom: 8px; border-bottom: 1px solid #ddd; padding-bottom: 4px; }
.mega-column a { display: block; font-size: 13px; padding: 4px 0; font-weight: 500; color: #444; }

.header-buttons { display: flex; gap: 10px; }
.btn { padding: 9px 16px; border-radius: 4px; font-size: 13px; font-weight: bold; cursor: pointer; transition: 0.3s ease; display: inline-block; text-align: center; }
.btn-primary { background: #0b3c5d; color: #fff; border: 1px solid #0b3c5d; }
.btn-primary:hover { background: #1d2731; border-color: #1d2731; }
.btn-secondary { background: #d9b310; color: #1d2731; border: 1px solid #d9b310; }
.btn-secondary:hover { background: #b5950c; border-color: #b5950c; }

/* Sub-service 10-section layout */
.sub-service-page { max-width: 1100px; margin: 40px auto; padding: 0 20px; }
.service-hero { background: #0b3c5d; color: #fff; padding: 45px; border-radius: 8px; text-align: center; margin-bottom: 40px; }
.service-hero h1 { font-size: 32px; margin-bottom: 10px; }
.service-section { background: #fff; padding: 25px; margin-bottom: 20px; border-radius: 6px; box-shadow: 0 2px 8px rgba(0,0,0,0.05); }
.service-section h2 { color: #0b3c5d; font-size: 20px; margin-bottom: 10px; border-left: 4px solid #d9b310; padding-left: 10px; }
.service-section p { text-align: justify; font-size: 15px; color: #555; }

/* Footer */
.site-footer { background: #1d2731; color: #fff; padding-top: 50px; margin-top: 50px; }
.footer-container { max-width: 1200px; margin: auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; padding: 0 20px 40px 20px; }
.footer-logo { font-size: 20px; margin-bottom: 10px; color: #d9b310; }
.footer-col h4 { font-size: 16px; margin-bottom: 15px; color: #fff; border-bottom: 2px solid #328cc1; display: inline-block; padding-bottom: 4px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul a { font-size: 13px; color: #ccc; }
.footer-col ul a:hover { color: #fff; }
.footer-desc { font-size: 13px; color: #bbb; line-height: 1.5; }
.footer-bottom { background: #0f141a; padding: 15px; text-align: center; font-size: 12px; color: #888; border-top: 1px solid #2b3541; }

/* General Layout Helpers */
.section-container { max-width: 1200px; margin: 50px auto; padding: 0 20px; }
.badge-subheading { display: inline-block; font-size: 12px; font-weight: 700; text-transform: uppercase; color: #328cc1; margin-bottom: 8px; letter-spacing: 1px; }
.section-header-center { text-align: center; max-width: 750px; margin: 0 auto 35px; }
.section-header-center h2 { font-size: 30px; color: #0b3c5d; margin-bottom: 8px; }
.section-header-center p { color: #666; font-size: 15px; }

/* Section 1: Full Cover Slider (Stacked View Fix) */
.hero-slider-section {
    position: relative;
    width: 100%;
    height: 85vh;
    min-height: 550px;
    max-height: 800px;
    overflow: hidden;
    background-color: #0b3c5d;
}

.slider-container {
    position: relative;
    width: 100%;
    height: 100%;
}

.hero-slider-section .slide {
    position: absolute !important;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    opacity: 0;
    visibility: hidden;
    display: flex !important;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 0 20px;
    box-sizing: border-box;
    transition: opacity 0.8s ease-in-out, visibility 0.8s ease-in-out;
    z-index: 1;
}

.hero-slider-section .slide.active {
    opacity: 1;
    visibility: visible;
    z-index: 2;
}

.slide-content {
    max-width: 850px;
    margin: 0 auto;
    color: #ffffff;
    z-index: 3;
}

.slide-tag {
    display: inline-block;
    background: #d9b310;
    color: #1d2731;
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 4px;
    margin-bottom: 15px;
    letter-spacing: 0.5px;
}

.slide-content h2 {
    font-size: 44px;
    font-weight: 700;
    margin-bottom: 15px;
    color: #ffffff;
    line-height: 1.2;
    text-shadow: 0 2px 8px rgba(0, 0, 0, 0.4);
}

.slide-content p {
    font-size: 18px;
    color: #f1f3f5;
    margin-bottom: 25px;
    line-height: 1.6;
    text-shadow: 0 1px 4px rgba(0, 0, 0, 0.5);
}

.slide-cta {
    display: flex;
    gap: 15px;
    justify-content: center;
    align-items: center;
}

.slider-arrows {
    position: absolute;
    top: 50%;
    width: 100%;
    display: flex;
    justify-content: space-between;
    transform: translateY(-50%);
    z-index: 10;
    padding: 0 25px;
    box-sizing: border-box;
    pointer-events: none;
}

.slider-btn {
    background: rgba(0, 0, 0, 0.45);
    border: 1px solid rgba(255, 255, 255, 0.3);
    color: #ffffff;
    font-size: 20px;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    cursor: pointer;
    pointer-events: all;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.3s ease;
}

.slider-btn:hover {
    background: rgba(11, 60, 93, 0.9);
}

.slider-dots {
    position: absolute;
    bottom: 25px;
    width: 100%;
    display: flex;
    justify-content: center;
    gap: 8px;
    z-index: 10;
}

.slider-dot {
    width: 12px;
    height: 12px;
    background: rgba(255, 255, 255, 0.4);
    border-radius: 50%;
    cursor: pointer;
    transition: all 0.3s ease;
}

.slider-dot.active {
    background: #d9b310;
    width: 28px;
    border-radius: 6px;
}

/* Section 2: Boxed 2-Column About SIP Advisor */
.about-boxed-card { background: #fff; border-radius: 8px; box-shadow: 0 4px 18px rgba(0,0,0,0.06); display: grid; grid-template-columns: 1fr 1fr; overflow: hidden; border: 1px solid #eaeaea; }
.about-image-col { min-height: 380px; }
.about-image-col img.responsive-img { width: 100%; height: 100%; object-fit: cover; display: block; }
.about-content-col { padding: 45px; display: flex; flex-direction: column; justify-content: center; }
.about-content-col h2 { font-size: 26px; color: #0b3c5d; margin-bottom: 15px; }
.about-content-col p { font-size: 15px; color: #555; line-height: 1.7; margin-bottom: 12px; }

/* Section 3: Services Grid */
.services-grid-home { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }
.service-box { background: #fff; padding: 25px; border-radius: 6px; box-shadow: 0 2px 8px rgba(0,0,0,0.05); border-top: 3px solid #0b3c5d; }
.service-icon { font-size: 32px; margin-bottom: 12px; color: #0b3c5d; }
.service-box h3 { font-size: 18px; color: #0b3c5d; margin-bottom: 8px; }
.service-box p { font-size: 14px; color: #666; margin-bottom: 15px; }
.service-link { font-size: 13px; color: #328cc1; font-weight: 700; }

/* Section 4: Stats Counter */
.stats-section { background: #0b3c5d; color: #fff; padding: 45px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); text-align: center; gap: 20px; }
.stat-number { font-size: 36px; font-weight: 800; color: #d9b310; margin-bottom: 5px; }
.stat-label { font-size: 14px; color: #ccd6dd; }

/* Section 5: Process Cards */
.process-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; }
.process-card { background: #fff; padding: 25px; border-radius: 6px; border: 1px solid #e5e5e5; position: relative; }
.step-num { font-size: 28px; font-weight: 900; color: #d9b310; margin-bottom: 8px; }
.process-card h4 { font-size: 16px; color: #0b3c5d; margin-bottom: 8px; }
.process-card p { font-size: 13px; color: #666; }

/* Section 6: Compounding Showcase */
.calculator-preview-box { background: #fff; border-radius: 8px; padding: 40px; display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 40px; align-items: center; box-shadow: 0 4px 15px rgba(0,0,0,0.05); }
.calc-text h2 { font-size: 26px; color: #0b3c5d; margin-bottom: 12px; }
.calc-list { list-style: none; margin: 15px 0; font-size: 14px; color: #444; }
.calc-list li { margin-bottom: 6px; }
.calc-display-panel { background: #1d2731; color: #fff; padding: 25px; border-radius: 6px; }
.calc-pill { display: flex; justify-content: space-between; font-size: 13px; background: rgba(255,255,255,0.1); padding: 8px 12px; border-radius: 4px; margin-bottom: 15px; }
.growth-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,0.1); font-size: 14px; }
.growth-row.highlight { color: #d9b310; font-size: 16px; font-weight: bold; border-bottom: none; }

/* Section 7: Advantages */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 25px; }
.why-item { display: flex; gap: 15px; background: #fff; padding: 20px; border-radius: 6px; box-shadow: 0 2px 6px rgba(0,0,0,0.04); }
.why-bullet { font-size: 18px; color: #328cc1; }
.why-item h4 { color: #0b3c5d; font-size: 16px; margin-bottom: 5px; }
.why-item p { font-size: 13px; color: #666; }

/* Section 8: Testimonials */
.testimonials-section { background: #f1f3f5; padding: 50px 0; }
.testi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.testi-card { background: #fff; padding: 25px; border-radius: 6px; box-shadow: 0 2px 8px rgba(0,0,0,0.05); display: flex; flex-direction: column; justify-content: space-between; }
.testi-card p { font-size: 14px; color: #555; font-style: italic; line-height: 1.6; margin-bottom: 15px; }
.testi-author strong { display: block; color: #0b3c5d; font-size: 14px; }
.testi-author span { font-size: 12px; color: #777; }

/* Section 9: FAQ Accordion */
.faq-accordion { max-width: 850px; margin: auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item { background: #fff; padding: 18px 22px; border-radius: 6px; border: 1px solid #e1e4e8; }
.faq-item h4 { font-size: 15px; color: #0b3c5d; margin-bottom: 6px; }
.faq-item p { font-size: 13px; color: #555; line-height: 1.5; }

/* Section 10: CTA Banner */
.cta-banner-section { background: #0b3c5d; color: #fff; padding: 50px 0; }
.cta-banner-inner { display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.cta-banner-inner h2 { font-size: 26px; margin-bottom: 8px; }
.cta-banner-inner p { font-size: 14px; color: #d0e1fd; max-width: 600px; }
.cta-actions { display: flex; gap: 12px; }
.btn-white-outline { border: 2px solid #fff; color: #fff; background: transparent; }
.btn-white-outline:hover { background: #fff; color: #0b3c5d; }
.btn-large { padding: 12px 22px; font-size: 14px; }

/* Mobile Responsive Rules */
@media (max-width: 768px) {
    .about-boxed-card { grid-template-columns: 1fr; }
    .calculator-preview-box { grid-template-columns: 1fr; padding: 20px; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .why-grid { grid-template-columns: 1fr; }
    .cta-banner-inner { flex-direction: column; text-align: center; }
    .cta-actions { justify-content: center; }
    .hero-slider-section { height: 70vh; min-height: 480px; }
    .slide-content h2 { font-size: 28px; }
    .slide-content p { font-size: 15px; }
    .slider-arrows { padding: 0 10px; }
    .slider-btn { width: 40px; height: 40px; font-size: 16px; }
}