/* Gurtej Singh — Insurance Coach & Strategic Consultant
   Brand: navy + gold, carried over from the original gurtej.in */
:root{
  --navy-950:#030D1C;
  --navy-900:#05142A;
  --navy-850:#041224;
  --navy-800:#0A2142;
  --navy-600:#154585;
  --gold:#E5A83B;
  --gold-soft:rgba(229,168,59,.14);
  --gold-line:rgba(229,168,59,.4);
  --text:#CAD7E6;
  --white:#FFFFFF;
  --muted:#8FA3BC;
  --card:rgba(10,33,66,.55);
  --card-line:rgba(202,215,230,.12);
  --radius:14px;
  --max:1180px;
  --font-body:'Montserrat',system-ui,-apple-system,'Segoe UI',sans-serif;
  --font-head:'Oswald','Montserrat',sans-serif;
  --font-sign:'Great Vibes',cursive;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);color:var(--text);line-height:1.65;font-size:16px;
  background:var(--navy-950);
  background-image:radial-gradient(circle at 80% 0%,#154585 0%,#0A2142 30%,#05142A 62%,#030D1C 100%);
  background-attachment:fixed;min-height:100vh;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--gold);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{width:100%;max-width:var(--max);margin:0 auto;padding:0 24px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(3,13,28,.82);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--card-line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:20px}
.brand{display:flex;align-items:center;gap:12px;color:var(--white)}
.brand:hover{text-decoration:none}
.brand img{width:44px;height:auto;aspect-ratio:160/151}
.brand-name{font-family:var(--font-head);font-weight:700;letter-spacing:.14em;font-size:19px;color:var(--gold);line-height:1.1}
.brand-tag{display:block;font-family:var(--font-body);font-size:9.5px;letter-spacing:.32em;color:var(--text);font-weight:600;margin-top:3px}
.menu{display:flex;align-items:center;gap:24px;list-style:none;margin-left:24px}
.menu a,.brand-name{white-space:nowrap}
.menu a{color:var(--text);font-size:13.5px;font-weight:600;letter-spacing:.04em}
.menu a:hover,.menu a.active{color:var(--gold);text-decoration:none}
.menu .btn{color:var(--navy-950)}
.menu-toggle{display:none;background:none;border:1px solid var(--gold-line);color:var(--gold);border-radius:8px;padding:8px 12px;font:600 13px var(--font-body);cursor:pointer}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold);color:var(--navy-950);font-weight:700;font-size:14px;letter-spacing:.06em;text-transform:uppercase;padding:14px 26px;border-radius:999px;border:2px solid var(--gold);transition:transform .15s,box-shadow .15s,background .15s;cursor:pointer;font-family:var(--font-body)}
.btn:hover{text-decoration:none;transform:translateY(-1px);box-shadow:0 10px 28px rgba(229,168,59,.28)}
.btn-ghost{background:transparent;color:var(--gold)}
.btn-ghost:hover{background:var(--gold-soft)}
.btn-sm{padding:10px 18px;font-size:12px}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}

/* ---------- Type ---------- */
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;display:block}
h1,h2,h3{font-family:var(--font-head);text-transform:uppercase;color:var(--white);line-height:1.08;letter-spacing:.01em}
h1{font-size:clamp(38px,5.6vw,64px);font-weight:700}
h1 .gold,h2 .gold{color:var(--gold)}
h2{font-size:clamp(28px,3.6vw,42px);font-weight:700;margin-bottom:16px}
h3{font-size:21px;font-weight:600;margin-bottom:10px;letter-spacing:.02em}
.lead{font-size:clamp(17px,1.6vw,19px);color:var(--text);max-width:640px;margin-top:20px}
.sub{color:var(--muted);max-width:720px}
.center{text-align:center}
.center .lead,.center .sub{margin-left:auto;margin-right:auto}
.rule{width:120px;height:2px;margin:22px 0;background:linear-gradient(90deg,transparent,var(--gold) 30%,var(--gold) 70%,transparent)}
.center .rule{margin-left:auto;margin-right:auto}
.signature{font-family:var(--font-sign);color:var(--gold);font-size:40px;line-height:1;text-transform:none}

/* ---------- Sections ---------- */
section{padding:96px 0}
.section-tight{padding:64px 0}
.band{background:rgba(3,13,28,.55);border-top:1px solid var(--card-line);border-bottom:1px solid var(--card-line)}
.section-head{margin-bottom:48px}

/* ---------- Hero ---------- */
.hero{padding:72px 0 0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end}
.hero-copy{padding-bottom:84px}
.hero-roles{font-size:13px;font-weight:700;letter-spacing:.18em;color:var(--gold);text-transform:uppercase;margin-bottom:22px}
.hero-roles span{color:var(--text);margin:0 8px;opacity:.6}
.hero-photo{position:relative;align-self:end}
.hero-photo::before{content:"";position:absolute;inset:12% 6% 0;background:radial-gradient(circle,rgba(229,168,59,.22),transparent 65%);z-index:0}
.hero-photo img{position:relative;z-index:1;width:100%;max-width:520px;height:auto;aspect-ratio:1/1;object-fit:contain;object-position:bottom center;margin-left:auto}
.page-hero{padding:80px 0 56px}
.page-hero h1{font-size:clamp(34px,4.6vw,54px)}

/* ---------- Stats ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--card-line);border-radius:var(--radius);background:var(--card);overflow:hidden}
.stat{padding:28px 24px;border-right:1px solid var(--card-line)}
.stat:last-child{border-right:0}
.stat b{display:block;font-family:var(--font-head);font-size:40px;color:var(--gold);line-height:1;font-weight:700}
.stat span{display:block;font-size:13px;margin-top:8px;color:var(--text)}

/* ---------- Cards & grids ---------- */
.grid{display:grid;gap:22px}
.grid>*,.steps>*,.plans>*{min-width:0}
h3{overflow-wrap:break-word}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g5{grid-template-columns:repeat(5,minmax(0,1fr))}
.g5 .card{padding:26px 20px}
.g5 h3{font-size:18px}
.card{background:var(--card);border:1px solid var(--card-line);border-radius:var(--radius);padding:30px 26px;transition:border-color .2s,transform .2s}
.card:hover{border-color:var(--gold-line)}
.card p{font-size:15px}
.card .num{font-family:var(--font-head);color:var(--gold);font-size:15px;letter-spacing:.14em;display:block;margin-bottom:14px}
.icon{width:46px;height:46px;border-radius:12px;background:var(--gold-soft);border:1px solid var(--gold-line);display:grid;place-items:center;margin-bottom:18px}
.icon svg{width:22px;height:22px;stroke:var(--gold);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card-link{display:inline-block;margin-top:16px;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase}

/* Ladder (coaching -> consulting -> advisory) */
.ladder{display:grid;grid-template-columns:repeat(3,1fr);gap:0;counter-reset:step}
.rung{padding:34px 28px;border:1px solid var(--card-line);background:var(--card);position:relative}
.rung:first-child{border-radius:var(--radius) 0 0 var(--radius)}
.rung:last-child{border-radius:0 var(--radius) var(--radius) 0}
.rung + .rung{border-left:0}
.rung .tag{font-size:11px;letter-spacing:.24em;font-weight:700;color:var(--gold);text-transform:uppercase}
.rung h3{margin-top:10px}
.rung:last-child{background:linear-gradient(160deg,rgba(229,168,59,.16),rgba(10,33,66,.6))}

/* Lists */
.ticks{list-style:none;margin-top:14px}
.ticks li{position:relative;padding-left:26px;margin:9px 0;font-size:15px}
.ticks li::before{content:"";position:absolute;left:0;top:8px;width:12px;height:7px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.crosses li::before{border:0;width:10px;height:2px;background:var(--muted);transform:none;top:12px}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.quote{font-family:var(--font-head);font-size:clamp(24px,2.8vw,34px);color:var(--white);text-transform:uppercase;line-height:1.2;border-left:3px solid var(--gold);padding-left:24px}
.quote small{display:block;font-family:var(--font-body);font-size:14px;text-transform:none;color:var(--gold);margin-top:14px;letter-spacing:.04em}

/* ---------- Pricing ---------- */
.plans{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;align-items:stretch}
.plan{display:flex;flex-direction:column;background:var(--card);border:1px solid var(--card-line);border-radius:var(--radius);padding:30px 24px}
.plan.featured{border-color:var(--gold);background:linear-gradient(180deg,rgba(229,168,59,.13),rgba(10,33,66,.55) 40%);position:relative}
.plan.featured::before{content:"Most chosen";position:absolute;top:-12px;left:24px;background:var(--gold);color:var(--navy-950);font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;padding:4px 12px;border-radius:999px}
.plan .tier{font-size:11px;letter-spacing:.24em;font-weight:700;color:var(--gold);text-transform:uppercase}
.plan h3{margin:8px 0 4px;font-size:22px}
.plan .for{font-size:14px;color:var(--muted);min-height:44px}
.price{font-family:var(--font-head);color:var(--white);font-size:34px;white-space:nowrap;font-weight:700;margin-top:18px;line-height:1}
.price small{font-family:var(--font-body);font-size:13px;color:var(--muted);font-weight:500;margin-left:4px}
.terms{font-size:12.5px;color:var(--gold);font-weight:600;margin-top:8px;letter-spacing:.03em}
.plan .ticks{flex:1;margin:18px 0 24px}
.plan .ticks li{font-size:14px}
.plan .btn{width:100%}
.mandate{display:grid;grid-template-columns:1.2fr 1fr auto;gap:32px;align-items:center;margin-top:24px;padding:34px;border:1px solid var(--gold-line);border-radius:var(--radius);background:linear-gradient(110deg,rgba(21,69,133,.5),rgba(3,13,28,.6))}
.mandate .ticks{columns:2;column-gap:24px;margin:0}
.mandate .ticks li{break-inside:avoid;margin-top:0}
.notes{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.note{padding:22px 0;border-top:1px solid var(--gold-line)}
.note b{color:var(--white);display:block;margin-bottom:6px;font-size:15px}
.note p{font-size:14px}

/* Comparison table */
.table-wrap{overflow-x:auto;border:1px solid var(--card-line);border-radius:var(--radius);background:var(--card)}
table{width:100%;border-collapse:collapse;min-width:760px;font-size:14px}
th,td{padding:15px 18px;text-align:left;border-bottom:1px solid var(--card-line)}
th{font-family:var(--font-head);font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--white);font-size:14px}
td:first-child{color:var(--white);font-weight:600}
tr:last-child td{border-bottom:0}
.yes{color:var(--gold);font-weight:700}
.no{color:var(--muted)}

/* ---------- Process / steps ---------- */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:s}
.step{position:relative;padding:26px 20px;border:1px solid var(--card-line);border-radius:var(--radius);background:var(--card)}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--font-head);font-size:30px;color:var(--gold);display:block;margin-bottom:10px;font-weight:700}
.step h3{font-size:17px}
.step p{font-size:14px}

/* FAQ */
.faq details{border-bottom:1px solid var(--card-line);padding:20px 0}
.faq summary{cursor:pointer;list-style:none;font-weight:700;color:var(--white);font-size:16px;display:flex;justify-content:space-between;gap:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:22px;line-height:1;font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:12px;font-size:15px;max-width:820px}

/* Timeline */
.timeline{border-left:2px solid var(--gold-line);padding-left:30px;display:grid;gap:30px}
.tl{position:relative}
.tl::before{content:"";position:absolute;left:-37px;top:6px;width:12px;height:12px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(229,168,59,.2)}
.tl b{color:var(--gold);font-size:12px;letter-spacing:.2em;text-transform:uppercase}

/* Video tiles */
.episode{display:flex;gap:16px;align-items:flex-start}
.play{flex:none;width:44px;height:44px;border-radius:50%;border:2px solid var(--gold);display:grid;place-items:center}
.play::after{content:"";border-left:12px solid var(--gold);border-top:8px solid transparent;border-bottom:8px solid transparent;margin-left:3px}
.episode p{font-size:15px;color:var(--white);font-weight:600}
.episode small{color:var(--muted);font-size:12px;letter-spacing:.1em;text-transform:uppercase}

/* ---------- CTA band ---------- */
.cta{padding:84px 0;text-align:center;background:radial-gradient(circle at 50% 120%,rgba(229,168,59,.18),transparent 60%)}
.cta .btn-row{justify-content:center}

/* ---------- Forms ---------- */
.form-card{background:var(--card);border:1px solid var(--card-line);border-radius:var(--radius);padding:34px}
.tabs{display:flex;gap:8px;margin-bottom:24px;flex-wrap:wrap}
.tab{background:transparent;border:1px solid var(--card-line);color:var(--text);padding:10px 16px;border-radius:999px;font:600 13px var(--font-body);cursor:pointer}
.tab.on{background:var(--gold);color:var(--navy-950);border-color:var(--gold)}
.field{margin-bottom:16px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--text);margin-bottom:7px}
input,select,textarea{width:100%;background:rgba(3,13,28,.7);border:1px solid var(--card-line);border-radius:10px;padding:13px 14px;color:var(--white);font:15px var(--font-body)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold)}
textarea{min-height:120px;resize:vertical}
.form-note{font-size:12.5px;color:var(--muted);margin-top:12px}
.form-ok{display:none;margin-top:16px;padding:16px;border:1px solid var(--gold-line);border-radius:10px;background:var(--gold-soft);color:var(--white);font-size:14px}
.contact-list{list-style:none;display:grid;gap:18px;margin-top:24px}
.contact-list li{display:flex;gap:14px;align-items:flex-start}
.contact-list b{display:block;color:var(--white);font-size:15px}
.contact-list span{font-size:14px}

/* ---------- Footer ---------- */
.site-footer{border-top:1px solid var(--card-line);background:rgba(3,13,28,.85);padding:56px 0 28px;font-size:14px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px}
.site-footer h4{font-family:var(--font-head);text-transform:uppercase;color:var(--white);letter-spacing:.1em;font-size:14px;margin-bottom:14px;font-weight:600}
.site-footer ul{list-style:none;display:grid;gap:8px}
.site-footer a{color:var(--text)}
.site-footer a:hover{color:var(--gold)}
.foot-line{height:2px;margin:36px 0 20px;background:linear-gradient(90deg,transparent,var(--gold) 30%,var(--gold) 70%,transparent);opacity:.6}
.legal{font-size:12px;color:var(--muted);display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.disclaimer{font-size:12px;color:var(--muted);margin-top:14px;max-width:900px}

/* WhatsApp float */
.wa{position:fixed;right:20px;bottom:20px;z-index:60;width:54px;height:54px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.35)}
.wa svg{width:28px;height:28px;fill:#fff}

/* Reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}


/* Testimonial */
.testimonials{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:52px 28px;align-items:stretch;margin-top:20px}
.testimonials.three{grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.testimonials.three .testimonial{padding:44px 28px 28px}
.testimonials figcaption{min-height:96px}
.testimonials:not(.three):not(.one) .testimonial:last-child:nth-child(odd){grid-column:1/-1;max-width:900px;justify-self:center;width:100%} /* odd-last */
.testimonials.one{grid-template-columns:minmax(0,900px);justify-content:center}
.testimonial{position:relative;display:flex;flex-direction:column;justify-content:space-between;padding:48px 40px 34px;border:1px solid var(--gold-line);border-radius:var(--radius);background:linear-gradient(150deg,rgba(21,69,133,.45),rgba(3,13,28,.65))}
.testimonial::before{content:"\201C";position:absolute;top:-34px;left:40px;font-family:Georgia,serif;font-size:120px;line-height:1;color:var(--gold)}
.testimonial blockquote{font-size:clamp(16px,1.4vw,18px);line-height:1.7;color:var(--white);font-style:italic}
.testimonial figcaption{display:flex;align-items:center;gap:16px;margin-top:28px;padding-top:22px;border-top:1px solid var(--card-line)}
.testimonial .avatar{flex:none;width:52px;height:52px;border-radius:50%;background:var(--gold);color:var(--navy-950);display:grid;place-items:center;font-family:var(--font-head);font-weight:700;font-size:19px;letter-spacing:.04em}
.testimonial cite{font-style:normal}
.testimonial cite b{display:block;color:var(--gold);font-size:16px;letter-spacing:.04em}
.testimonial cite span{font-size:14px;color:var(--text)}
@media (max-width:1080px){.testimonials.three{grid-template-columns:1fr;gap:44px;max-width:760px;margin-left:auto;margin-right:auto}}
@media (max-width:900px){.testimonials{grid-template-columns:1fr;gap:44px}}
@media (max-width:620px){.testimonial{padding:40px 24px 30px}.testimonial::before{left:20px;font-size:96px;top:-28px}}

/* ---------- Responsive ---------- */
@media (max-width:1280px){
  .g5{grid-template-columns:repeat(3,minmax(0,1fr))}
  .plans .price{font-size:30px}
}
@media (max-width:1080px){
  .plans{grid-template-columns:repeat(2,1fr)}
  .g5,.steps{grid-template-columns:repeat(3,1fr)}
  .g4{grid-template-columns:repeat(2,1fr)}
  .mandate{grid-template-columns:1fr}
}
@media (max-width:1180px){
  .menu{display:none;position:absolute;top:76px;left:0;right:0;flex-direction:column;align-items:flex-start;gap:0;background:var(--navy-950);border-bottom:1px solid var(--card-line);padding:10px 24px 22px}
  .menu.open{display:flex}
  .menu li{width:100%}
  .menu a{display:block;padding:12px 0;font-size:15px}
  .menu .btn{margin-top:10px;width:100%}
  .menu-toggle{display:block}
}
@media (max-width:900px){
  .hero-grid,.split{grid-template-columns:1fr}
  .hero-copy{padding-bottom:20px}
  .hero-photo img{margin:0 auto;max-width:400px}
  .g3,.notes{grid-template-columns:1fr 1fr}
  .ladder{grid-template-columns:1fr}
  .rung,.rung:first-child,.rung:last-child{border-radius:0}
  .rung:first-child{border-radius:var(--radius) var(--radius) 0 0}
  .rung:last-child{border-radius:0 0 var(--radius) var(--radius)}
  .rung + .rung{border-left:1px solid var(--card-line);border-top:0}
  .stats{grid-template-columns:repeat(2,1fr)}
  .stat:nth-child(2){border-right:0}
  .stat:nth-child(-n+2){border-bottom:1px solid var(--card-line)}
  .foot-grid{grid-template-columns:1fr 1fr}
  section{padding:72px 0}
}
@media (max-width:620px){
  .wrap{padding:0 18px}
  .plans,.g2,.g3,.g4,.g5,.steps,.notes,.row2{grid-template-columns:1fr}
  .mandate .ticks{columns:1}
  .foot-grid{grid-template-columns:1fr}
  .brand-tag{display:none}
  .btn-row .btn{width:100%}
  .form-card{padding:24px}
}