/* =============================================
   styles.css — Fire & Houseowner Takaful
   MUHAZU Global  |  Prefix: fr-
   Tokens: #0D0D0D / #CCF045 / Poppins
   ============================================= */

html { overflow-x: hidden; }
body { overflow-x: hidden; max-width: 100%; }

/* ---- Keyframes ---- */
@keyframes fr-fade-up {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes fr-bg-zoom {
  from { transform: scale(1.05); }
  to   { transform: scale(1); }
}

@keyframes fr-marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ---- Scroll reveal ---- */
.fr-reveal-left,
.fr-reveal-right,
.fr-reveal-up {
  opacity: 0;
  transition: opacity 600ms ease, transform 600ms ease;
  transition-delay: var(--fr-delay, 0ms);
}

.fr-reveal-left  { transform: translateX(-28px); }
.fr-reveal-right { transform: translateX(28px); }
.fr-reveal-up    { transform: translateY(14px); }

.fr-reveal-left.is-visible,
.fr-reveal-right.is-visible,
.fr-reveal-up.is-visible {
  opacity: 1;
  transform: none;
}

/* ---- Eyebrow ---- */
.fr-eyebrow {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #CCF045;
  display: inline-block;
  padding-bottom: 7px;
  border-bottom: 2px solid #CCF045;
  width: fit-content;
  margin-bottom: 1.25rem;
}

/* ---- Shared section head ---- */
.fr-sec-head { margin-bottom: 48px; max-width: 620px; }

.fr-sec-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.2;
  margin: 0 0 12px;
}

.fr-sec-para {
  font-size: 0.95rem;
  line-height: 1.7;
  color: #555555;
  margin: 0;
}

/* ---- Hero load anims ---- */
.fr-anim-1, .fr-anim-2, .fr-anim-3, .fr-anim-4 { opacity: 0; }

.fr-anim-1 { animation: fr-fade-up 650ms ease forwards; animation-delay: 100ms; }
.fr-anim-2 { animation: fr-fade-up 600ms ease forwards; animation-delay: 280ms; }
.fr-anim-3 { animation: fr-fade-up 500ms ease forwards; animation-delay: 440ms; }
.fr-anim-4 { animation: fr-fade-up 500ms ease forwards; animation-delay: 600ms; }

/* ============================================= */
/* SECTION 01 — HERO                             */
/* ============================================= */

.fr-hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: #0D0D0D;
}

/* Background media stack: poster underneath, videos crossfade above it */
.fr-hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
  background: #0D0D0D;
}

.fr-hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  z-index: 0;
  animation: fr-bg-zoom 1200ms ease-out forwards;
}

.fr-hero-vid {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  z-index: 1;
  opacity: 0;
  transition: opacity 1200ms ease-in-out;
  pointer-events: none;
}

.fr-hero-vid.is-active { opacity: 1; }

/* Portrait viewports crop hard into a 16:9 clip, so bias the visible window
   slightly above centre where the subject of both clips sits. The angled
   desktop scrim also gets swapped for a vertical one: moving firelight sits
   behind the copy on mobile, so the text needs cover top and bottom. */
@media (max-width: 768px) {
  .fr-hero-vid,
  .fr-hero-bg { object-position: center 42%; }

  .fr-hero-overlay {
    background: linear-gradient(
      180deg,
      rgba(13,13,13,0.90) 0%,
      rgba(13,13,13,0.78) 38%,
      rgba(13,13,13,0.80) 62%,
      rgba(13,13,13,0.94) 100%
    );
  }
}

.fr-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(13,13,13,0.94) 0%,
    rgba(13,13,13,0.82) 45%,
    rgba(13,13,13,0.40) 100%
  );
  z-index: 1;
}

.fr-hero-content {
  position: relative;
  z-index: 2;
  padding: 160px 5% 40px 10%;
  max-width: 900px;
  width: 100%;
  box-sizing: border-box;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 22px;
}

.fr-h1 {
  font-size: clamp(2rem, 4.2vw, 3.6rem);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.1;
  letter-spacing: -0.02em;
  max-width: 700px;
  margin: 0;
}

.fr-h1-highlight {
  color: #CCF045;
  font-style: italic;
}

.fr-hero-accent {
  width: 56px;
  height: 4px;
  background: #CCF045;
  border-radius: 2px;
  margin-top: -6px;
}

.fr-hero-para {
  font-size: clamp(0.9rem, 1.4vw, 1.05rem);
  color: rgba(255,255,255,0.62);
  line-height: 1.75;
  max-width: 520px;
  margin: 0;
}

.fr-hero-ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-items: center;
  margin-top: 6px;
}

.fr-hero-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0.85rem 1.6rem;
  border-radius: 10px;
  text-decoration: none;
  transition: background 200ms ease, box-shadow 200ms ease, color 200ms ease;
}

.fr-btn-primary { background: #CCF045; color: #0D0D0D; }
.fr-btn-primary:hover {
  background: #d4f55e;
  box-shadow: 0 6px 24px rgba(204,240,69,0.35);
}

.fr-btn-ghost {
  background: rgba(255,255,255,0.08);
  color: #ffffff;
  border: 1px solid rgba(255,255,255,0.2);
}
.fr-btn-ghost:hover { background: rgba(255,255,255,0.14); }

/* Stats row */
.fr-hero-stats {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  padding: 28px 5% 28px 10%;
  width: 100%;
  margin: auto 0 0 0;
  box-sizing: border-box;
}

.fr-stat-item {
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding-right: 40px;
}

.fr-stat-num {
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  font-weight: 800;
  color: #CCF045;
  line-height: 1;
}

.fr-stat-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
}

.fr-stat-divider {
  width: 1px;
  height: 38px;
  background: rgba(255,255,255,0.15);
  margin-right: 40px;
  flex-shrink: 0;
}

/* Marquee */
.fr-hero-marquee-wrap {
  position: relative;
  z-index: 2;
  overflow: hidden;
  width: 100%;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.10);
  margin-top: auto;
}

.fr-hero-marquee-track {
  display: inline-flex;
  white-space: nowrap;
  animation: fr-marquee-scroll 28s linear infinite;
  will-change: transform;
}

.fr-marquee-item {
  font-size: clamp(14px, 2vw, 22px);
  font-weight: 300;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.75);
  padding: 0 32px;
}

.fr-marquee-sep {
  color: #CCF045;
  opacity: 0.5;
  margin: 0 10px;
}

@media (max-width: 768px) {
  .fr-hero          { min-height: 560px; }
  .fr-hero-content  { padding: 110px 5% 28px; gap: 14px; }
  .fr-h1            { font-size: clamp(1.5rem, 6.4vw, 2rem); }
  .fr-h1 br         { display: none; }
  .fr-hero-para     { font-size: 0.82rem; line-height: 1.65; max-width: 100%; }
  .fr-hero-accent   { width: 40px; height: 3px; }
  .fr-hero-ctas     { flex-direction: column; align-items: stretch; gap: 8px; margin-top: 2px; width: 100%; }
  .fr-hero-btn      { font-size: 0.75rem; padding: 0.65rem 1rem; width: 100%; max-width: 280px; justify-content: center; }
  .fr-hero-stats    { padding: 14px 5%; flex-wrap: nowrap; gap: 0; justify-content: space-between; }
  .fr-stat-item     { padding-right: 0; align-items: center; text-align: center; }
  .fr-stat-num      { font-size: 1.1rem; }
  .fr-stat-label    { font-size: 0.55rem; }
  .fr-stat-divider  { height: 28px; margin-right: 0; }
}

@media (prefers-reduced-motion: reduce) {
  .fr-hero-marquee-track { animation: none; }
}

/* ============================================= */
/* SECTION 02 — SPLIT                            */
/* ============================================= */

.fr-split {
  background: #ffffff;
  padding: 100px 5%;
}

.fr-split-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 45fr 55fr;
  gap: 64px;
  align-items: center;
}

.fr-split-img {
  width: 100%;
  aspect-ratio: 4 / 3;
  border-radius: 20px;
  overflow: hidden;
  background: #EDEDE9;
}

.fr-split-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.fr-split-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.2;
  max-width: 500px;
  margin: 0 0 14px;
}

.fr-split-para {
  font-size: 0.95rem;
  line-height: 1.75;
  color: #555555;
  max-width: 520px;
  margin: 0 0 36px;
}

.fr-features {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.fr-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px 0;
  border-top: 1px solid rgba(0,0,0,0.07);
}

.fr-feature:first-child { border-top: none; padding-top: 0; }

.fr-feature-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #CCF045;
  color: #0D0D0D;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}

.fr-feature-body h3 {
  font-size: 0.9rem;
  font-weight: 700;
  color: #0D0D0D;
  margin: 0 0 6px;
}

.fr-feature-body p {
  font-size: 0.875rem;
  line-height: 1.65;
  color: #666666;
  margin: 0;
}

@media (max-width: 900px) {
  .fr-split-inner { grid-template-columns: 1fr; gap: 40px; }
  .fr-split       { padding: 64px 5%; }
}

/* ============================================= */
/* SECTION 03 — TIGA SOALAN (dark)               */
/* ============================================= */

.fr-quiz {
  background: #0D0D0D;
  padding: 90px 5%;
}

.fr-quiz-inner { max-width: 1200px; margin: 0 auto; }

.fr-quiz-head { max-width: 640px; margin-bottom: 48px; }

.fr-quiz-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #ffffff;
  line-height: 1.2;
  margin: 0 0 12px;
}

.fr-quiz-para {
  font-size: 0.95rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  margin: 0;
}

.fr-quiz-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.fr-quiz-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 18px;
  padding: 32px 28px;
  transition: background 300ms ease, transform 300ms ease;
}

.fr-quiz-card:hover {
  background: rgba(255,255,255,0.07);
  transform: translateY(-4px);
}

.fr-quiz-num {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  color: #CCF045;
  margin-bottom: 18px;
}

.fr-quiz-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: #ffffff;
  line-height: 1.35;
  margin: 0 0 10px;
}

.fr-quiz-desc {
  font-size: 0.85rem;
  line-height: 1.65;
  color: rgba(255,255,255,0.5);
  margin: 0;
}

@media (max-width: 900px) {
  .fr-quiz      { padding: 64px 5%; }
  .fr-quiz-grid { grid-template-columns: 1fr; gap: 14px; }
  .fr-quiz-card { padding: 24px 20px; }
}

/* ============================================= */
/* SECTION 04 — PELAN                            */
/* ============================================= */

.fr-plans {
  background: #F9F9F7;
  padding: 90px 5%;
}

.fr-plans-inner { max-width: 1200px; margin: 0 auto; }

.fr-plan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  align-items: stretch;
}

.fr-plan-card {
  position: relative;
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 20px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  transition: transform 300ms ease, box-shadow 300ms ease;
}

.fr-plan-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.09);
}

.fr-plan-card--feature {
  background: #0D0D0D;
  border-color: #0D0D0D;
}

.fr-plan-badge {
  position: absolute;
  top: -12px;
  left: 28px;
  background: #CCF045;
  color: #0D0D0D;
  font-size: 0.62rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 999px;
}

.fr-plan-tag {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(0,0,0,0.35);
  margin-bottom: 12px;
}

.fr-plan-card--feature .fr-plan-tag { color: rgba(255,255,255,0.4); }

.fr-plan-name {
  font-size: 1.25rem;
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.25;
  margin: 0 0 4px;
}

.fr-plan-card--feature .fr-plan-name { color: #ffffff; }

.fr-plan-sub {
  font-size: 0.82rem;
  color: #777777;
  margin: 0 0 24px;
}

.fr-plan-card--feature .fr-plan-sub { color: rgba(255,255,255,0.45); }

.fr-plan-list {
  list-style: none;
  margin: 0 0 24px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex: 1;
}

.fr-plan-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.85rem;
  line-height: 1.5;
  color: #4a4a4a;
}

.fr-plan-card--feature .fr-plan-list li { color: rgba(255,255,255,0.72); }

.fr-tick {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(204,240,69,0.22);
  color: #5c8a00;
  font-size: 0.7rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.fr-plan-card--feature .fr-tick { background: rgba(204,240,69,0.18); color: #CCF045; }

.fr-plan-fit {
  font-size: 0.78rem;
  line-height: 1.55;
  color: #777777;
  margin: 0 0 20px;
  padding-top: 16px;
  border-top: 1px solid rgba(0,0,0,0.07);
}

.fr-plan-fit strong { color: #0D0D0D; font-weight: 700; }

.fr-plan-card--feature .fr-plan-fit {
  color: rgba(255,255,255,0.45);
  border-top-color: rgba(255,255,255,0.1);
}
.fr-plan-card--feature .fr-plan-fit strong { color: #ffffff; }

.fr-plan-btn {
  display: block;
  text-align: center;
  background: transparent;
  border: 1.5px solid #0D0D0D;
  color: #0D0D0D;
  font-size: 0.82rem;
  font-weight: 700;
  padding: 0.75rem 1rem;
  border-radius: 999px;
  text-decoration: none;
  transition: background 200ms ease, color 200ms ease;
}

.fr-plan-btn:hover { background: #0D0D0D; color: #ffffff; }

.fr-plan-btn--primary {
  background: #CCF045;
  border-color: #CCF045;
  color: #0D0D0D;
}
.fr-plan-btn--primary:hover {
  background: #d4f55e;
  border-color: #d4f55e;
  color: #0D0D0D;
}

.fr-plans-note {
  margin: 32px 0 0;
  font-size: 0.78rem;
  line-height: 1.6;
  color: #888888;
  max-width: 720px;
}

@media (max-width: 980px) {
  .fr-plan-grid { grid-template-columns: 1fr; gap: 28px; }
  .fr-plans     { padding: 64px 5%; }
}

/* ============================================= */
/* SECTION 05 — 10 BAHAYA                        */
/* ============================================= */

.fr-perils {
  background: #ffffff;
  padding: 90px 5%;
}

.fr-perils-inner { max-width: 1200px; margin: 0 auto; }

.fr-peril-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}

.fr-peril-card {
  background: #F9F9F7;
  border: 1px solid rgba(0,0,0,0.06);
  border-radius: 14px;
  padding: 22px 20px;
  transition: background 250ms ease, border-color 250ms ease, transform 250ms ease;
}

.fr-peril-card:hover {
  background: #ffffff;
  border-color: #CCF045;
  transform: translateY(-4px);
}

.fr-peril-num {
  display: block;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  color: #a8a89e;
  margin-bottom: 14px;
  transition: color 250ms ease;
}

.fr-peril-card:hover .fr-peril-num { color: #5c8a00; }

.fr-peril-card h3 {
  font-size: 0.9rem;
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.3;
  margin: 0 0 8px;
}

.fr-peril-card p {
  font-size: 0.78rem;
  line-height: 1.6;
  color: #777777;
  margin: 0;
}

.fr-peril-note {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-top: 32px;
  padding: 20px 24px;
  background: rgba(204,240,69,0.12);
  border-radius: 14px;
  max-width: 820px;
}

.fr-note-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: #CCF045;
  color: #0D0D0D;
  font-size: 0.8rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fr-peril-note p {
  font-size: 0.82rem;
  line-height: 1.6;
  color: #4a4a4a;
  margin: 0;
}

@media (max-width: 1100px) { .fr-peril-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 760px)  { .fr-peril-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; } .fr-perils { padding: 64px 5%; } }
@media (max-width: 420px)  { .fr-peril-grid { grid-template-columns: 1fr; } }

/* ============================================= */
/* SECTION 06 — MANFAAT TAMBAHAN                 */
/* ============================================= */

.fr-benefits {
  background: #F9F9F7;
  padding: 90px 5%;
}

.fr-benefits-inner { max-width: 1200px; margin: 0 auto; }

.fr-benefit-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.fr-benefit-card {
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.07);
  border-radius: 18px;
  padding: 28px 26px;
  transition: box-shadow 300ms ease, transform 300ms ease;
}

.fr-benefit-card:hover {
  box-shadow: 0 14px 36px rgba(0,0,0,0.07);
  transform: translateY(-4px);
}

/* Two headline benefits get the dark treatment */
.fr-benefit-card--feature {
  background: #0D0D0D;
  border-color: #0D0D0D;
}

.fr-benefit-card--feature .fr-benefit-top h3 { color: #ffffff; }
.fr-benefit-card--feature p { color: rgba(255,255,255,0.6); }

.fr-benefit-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 12px;
  flex-wrap: wrap;
}

.fr-benefit-top h3 {
  font-size: 1rem;
  font-weight: 700;
  color: #0D0D0D;
  margin: 0;
  line-height: 1.3;
}

.fr-benefit-val {
  font-size: 0.88rem;
  font-weight: 800;
  color: #0D0D0D;
  background: #CCF045;
  padding: 5px 14px;
  border-radius: 999px;
  white-space: nowrap;
  flex-shrink: 0;
}

.fr-benefit-val--free {
  background: rgba(13,13,13,0.05);
  color: #5a5a5a;
}

.fr-benefit-card p {
  font-size: 0.85rem;
  line-height: 1.7;
  color: #666666;
  margin: 0;
}

@media (max-width: 980px) {
  .fr-benefit-grid { grid-template-columns: 1fr 1fr; }
  .fr-benefits     { padding: 64px 5%; }
}

@media (max-width: 620px) {
  .fr-benefit-grid { grid-template-columns: 1fr; }
  .fr-benefit-card { padding: 22px 20px; }
}

/* ============================================= */
/* SECTION 07 — ADD-ON                           */
/* ============================================= */

.fr-addon {
  background: #0D0D0D;
  padding: 90px 5%;
}

.fr-addon-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 42fr 58fr;
  gap: 60px;
  align-items: start;
}

.fr-addon-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.3rem);
  font-weight: 700;
  color: #ffffff;
  line-height: 1.2;
  margin: 0 0 14px;
}

.fr-addon-para {
  font-size: 0.95rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.55);
  margin: 0 0 32px;
}

.fr-addon-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: #CCF045;
  color: #0D0D0D;
  font-size: 0.85rem;
  font-weight: 700;
  padding: 0.85rem 1.6rem;
  border-radius: 999px;
  text-decoration: none;
  transition: background 200ms ease, box-shadow 200ms ease;
}

.fr-addon-cta:hover {
  background: #d4f55e;
  box-shadow: 0 8px 28px rgba(204,240,69,0.3);
}

.fr-addon-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px 24px;
}

.fr-addon-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.85rem;
  line-height: 1.5;
  color: rgba(255,255,255,0.72);
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.fr-addon-plus {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(204,240,69,0.15);
  color: #CCF045;
  font-size: 0.85rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

@media (max-width: 900px) {
  .fr-addon-inner { grid-template-columns: 1fr; gap: 40px; }
  .fr-addon       { padding: 64px 5%; }
  .fr-addon-list  { grid-template-columns: 1fr; }
  .fr-addon-cta   { width: 100%; justify-content: center; }
}

/* ============================================= */
/* SECTION 08 — KALKULATOR                       */
/* ============================================= */

.fr-calc {
  background: #ffffff;
  padding: 100px 5%;
}

.fr-calc-inner { max-width: 860px; margin: 0 auto; }

.fr-calc-head {
  text-align: center;
  margin-bottom: 48px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.fr-calc-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
  font-weight: 700;
  color: #0D0D0D;
  margin: 0 0 12px;
  line-height: 1.2;
}

.fr-calc-para {
  font-size: 0.95rem;
  color: rgba(0,0,0,0.5);
  margin: 0;
  line-height: 1.65;
  max-width: 560px;
}

.fr-calc-card {
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 20px;
  padding: 36px 40px;
  box-shadow: 0 8px 40px rgba(0,0,0,0.06);
  display: flex;
  flex-direction: column;
  gap: 26px;
}

.fr-calc-row {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.fr-calc-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(0,0,0,0.38);
}

.fr-slider-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  width: 100%;
}

.fr-slider-val {
  font-size: 1.1rem;
  font-weight: 800;
  color: #0D0D0D;
  letter-spacing: -0.01em;
  white-space: nowrap;
}

.fr-slider-wrap { width: 100%; }

.fr-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: #e0e0e0;
  outline: none;
  cursor: pointer;
}

.fr-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #CCF045;
  border: 3px solid #0D0D0D;
  cursor: grab;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
  transition: transform 150ms ease;
}

.fr-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #CCF045;
  border: 3px solid #0D0D0D;
  cursor: grab;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}

.fr-slider::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.15); }
.fr-slider::-moz-range-thumb:active     { cursor: grabbing; transform: scale(1.15); }

.fr-slider-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 8px;
  font-size: 0.68rem;
  color: rgba(0,0,0,0.35);
  font-weight: 500;
}

.fr-calc-divider { height: 1px; background: rgba(0,0,0,0.07); }

/* Hidden rows when scope changes */
.fr-is-hidden { display: none !important; }

/* Slider helper line */
.fr-slider-hint {
  font-size: 0.72rem;
  line-height: 1.55;
  color: rgba(0,0,0,0.38);
  margin: 2px 0 0;
}

/* ---- Segmented control ---- */
.fr-seg {
  display: flex;
  gap: 6px;
  background: #F2F2EE;
  border-radius: 12px;
  padding: 5px;
  width: 100%;
}

.fr-seg-btn {
  flex: 1;
  padding: 0.62rem 0.5rem;
  border: none;
  border-radius: 8px;
  background: transparent;
  color: rgba(0,0,0,0.5);
  font-family: 'Poppins', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 180ms ease, color 180ms ease, box-shadow 180ms ease;
  white-space: nowrap;
}

.fr-seg-btn:hover { color: #0D0D0D; }

.fr-seg-btn.is-active {
  background: #0D0D0D;
  color: #ffffff;
  box-shadow: 0 2px 10px rgba(0,0,0,0.14);
}

/* ---- Add-on options ---- */
.fr-opt-grid {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.fr-opt {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 13px 16px;
  border: 1.5px solid rgba(0,0,0,0.10);
  border-radius: 12px;
  cursor: pointer;
  transition: border-color 180ms ease, background 180ms ease;
}

.fr-opt:hover { border-color: rgba(204,240,69,0.9); background: rgba(204,240,69,0.05); }

/* Real checkbox stays accessible but visually replaced */
.fr-opt input[type="checkbox"] {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
  pointer-events: none;
}

.fr-opt-box {
  width: 22px;
  height: 22px;
  border-radius: 6px;
  border: 1.5px solid rgba(0,0,0,0.18);
  background: #ffffff;
  color: transparent;
  font-size: 0.72rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 180ms ease, border-color 180ms ease, color 180ms ease;
}

.fr-opt input:checked ~ .fr-opt-box {
  background: #CCF045;
  border-color: #CCF045;
  color: #0D0D0D;
}

.fr-opt input:focus-visible ~ .fr-opt-box {
  outline: 2px solid #0D0D0D;
  outline-offset: 2px;
}

.fr-opt-body {
  display: flex;
  flex-direction: column;
  gap: 2px;
  flex: 1;
  min-width: 0;
}

.fr-opt-name {
  font-size: 0.85rem;
  font-weight: 600;
  color: #0D0D0D;
  line-height: 1.35;
}

.fr-opt-scope {
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(0,0,0,0.32);
}

.fr-opt-rate {
  font-size: 0.82rem;
  font-weight: 700;
  color: #5c8a00;
  background: rgba(204,240,69,0.20);
  padding: 4px 11px;
  border-radius: 999px;
  white-space: nowrap;
  flex-shrink: 0;
}

/* ---- Bill breakdown ---- */
.fr-bill {
  display: flex;
  flex-direction: column;
}

.fr-bill-row {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  padding: 13px 0;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}

.fr-bill-row:last-child { border-bottom: none; }

.fr-bill-label {
  display: flex;
  flex-direction: column;
  gap: 3px;
  font-size: 0.88rem;
  color: #4a4a4a;
  line-height: 1.4;
}

.fr-bill-sub {
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: rgba(0,0,0,0.32);
}

.fr-bill-val {
  font-size: 0.92rem;
  font-weight: 700;
  color: #0D0D0D;
  white-space: nowrap;
  flex-shrink: 0;
}

.fr-bill-row--sub {
  border-top: 1px solid rgba(0,0,0,0.10);
  border-bottom: 1px solid rgba(0,0,0,0.06);
  margin-top: 4px;
}
.fr-bill-row--sub .fr-bill-label { font-weight: 700; color: #0D0D0D; }

/* ---- Total ---- */
.fr-total-box {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  padding: 22px 24px;
  background: #0D0D0D;
  border-radius: 14px;
}

.fr-total-info { display: flex; flex-direction: column; gap: 4px; flex: 1; min-width: 190px; }

.fr-total-label {
  font-size: 0.9rem;
  font-weight: 700;
  color: #ffffff;
}

.fr-total-sub {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.42);
  line-height: 1.5;
}

.fr-total-price { display: flex; align-items: baseline; gap: 4px; flex-shrink: 0; }

.fr-total-rm { font-size: 1.1rem; font-weight: 700; color: #CCF045; }

.fr-total-num {
  font-size: 2.5rem;
  font-weight: 800;
  color: #CCF045;
  line-height: 1;
  letter-spacing: -0.02em;
}

.fr-total-yr { font-size: 0.8rem; color: rgba(255,255,255,0.4); font-weight: 500; }

/* Calc CTA */
.fr-calc-cta-btn {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: #CCF045;
  color: #0D0D0D;
  font-size: 0.875rem;
  font-weight: 700;
  border-radius: 14px;
  text-decoration: none;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(204,240,69,0.3);
  transition: box-shadow 200ms ease, transform 150ms ease;
}

.fr-calc-cta-btn:hover {
  box-shadow: 0 8px 32px rgba(204,240,69,0.45);
  transform: translateY(-1px);
}

.fr-calc-cta-btn span:first-child { flex: 1; padding: 1rem 1.25rem; line-height: 1.35; }

.fr-calc-cta-btn span:last-child {
  display: flex;
  align-items: center;
  justify-content: center;
  background: #0D0D0D;
  color: #CCF045;
  font-size: 1.1rem;
  flex-shrink: 0;
  align-self: stretch;
  padding: 0 20px;
  transition: background 200ms ease;
}

.fr-calc-cta-btn:hover span:last-child { background: #1a1a1a; }

.fr-calc-formula {
  font-size: 0.7rem;
  line-height: 1.6;
  color: rgba(0,0,0,0.38);
  margin: 0;
  padding-top: 16px;
  border-top: 1px solid rgba(0,0,0,0.06);
}

@media (max-width: 640px) {
  .fr-calc         { padding: 56px 4%; }
  .fr-calc-card    { padding: 22px 18px; gap: 20px; border-radius: 16px; }
  .fr-calc-head    { margin-bottom: 28px; }
  .fr-calc-h2      { font-size: 1.3rem; }
  .fr-calc-para    { font-size: 0.82rem; }
  .fr-calc-label   { font-size: 0.62rem; letter-spacing: 0.08em; }
  .fr-slider-val   { font-size: 0.9rem; }
  .fr-slider-labels { font-size: 0.58rem; }
  .fr-slider       { height: 5px; }
  .fr-slider::-webkit-slider-thumb { width: 18px; height: 18px; }
  .fr-slider-hint  { font-size: 0.65rem; }

  /* Segmented control stays on one row, smaller type */
  .fr-seg          { padding: 4px; gap: 4px; }
  .fr-seg-btn      { font-size: 0.7rem; padding: 0.55rem 0.3rem; }

  /* Options: rate chip drops under the label */
  .fr-opt          { flex-wrap: wrap; gap: 10px 12px; padding: 12px 14px; }
  .fr-opt-body     { flex: 1 1 60%; }
  .fr-opt-name     { font-size: 0.78rem; }
  .fr-opt-scope    { font-size: 0.6rem; }
  .fr-opt-rate     { font-size: 0.72rem; padding: 3px 9px; }

  .fr-bill-row     { padding: 11px 0; gap: 12px; }
  .fr-bill-label   { font-size: 0.8rem; }
  .fr-bill-sub     { font-size: 0.62rem; }
  .fr-bill-val     { font-size: 0.82rem; }

  .fr-total-box    { padding: 18px 18px; gap: 12px; }
  .fr-total-label  { font-size: 0.82rem; }
  .fr-total-sub    { font-size: 0.66rem; }
  .fr-total-num    { font-size: 1.9rem; }

  .fr-calc-cta-btn { font-size: 0.78rem; border-radius: 11px; }
  .fr-calc-cta-btn span:first-child { padding: 0.85rem 1rem; }
  .fr-calc-cta-btn span:last-child  { padding: 0 16px; font-size: 1rem; }
}

/* ============================================= */
/* SECTION 09 — PECAHAN CARUMAN                  */
/* ============================================= */

.fr-pricing {
  background: #F9F9F7;
  padding: 90px 5%;
}

.fr-pricing-inner { max-width: 860px; margin: 0 auto; }

/* Live figure inside the heading */
.fr-where-hl {
  color: #5c8a00;
  background: rgba(204,240,69,0.28);
  padding: 0 8px;
  border-radius: 6px;
  white-space: nowrap;
}

.fr-where {
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 18px;
  overflow: hidden;
}

.fr-where-block { padding: 26px 28px; }
.fr-where-block + .fr-where-block { border-top: 1px solid rgba(0,0,0,0.08); }

.fr-where-cap {
  display: block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(0,0,0,0.35);
  margin-bottom: 18px;
}

.fr-where-cap strong { color: #0D0D0D; }

/* Proportion bar */
.fr-where-bar {
  display: flex;
  height: 12px;
  border-radius: 999px;
  overflow: hidden;
  margin-bottom: 22px;
  background: #EDEDE9;
}

.fr-where-seg { display: block; height: 100%; }
.fr-where-seg--fund { background: #CCF045; }
.fr-where-seg--mgmt { background: #0D0D0D; }
.fr-where-seg--comm { background: #9AA37A; }

.fr-where-rows { display: flex; flex-direction: column; }

.fr-where-row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}

.fr-where-row:first-child { padding-top: 0; }
.fr-where-row:last-child  { border-bottom: none; padding-bottom: 0; }

/* Colour key dot, matches the bar */
.fr-where-key {
  width: 10px;
  height: 10px;
  border-radius: 3px;
  flex-shrink: 0;
  margin-top: 5px;
}

.fr-where-row--fund .fr-where-key { background: #CCF045; }
.fr-where-row--mgmt .fr-where-key { background: #0D0D0D; }
.fr-where-row--comm .fr-where-key { background: #9AA37A; }

.fr-where-label {
  flex: 1;
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
  font-size: 0.88rem;
  font-weight: 600;
  color: #0D0D0D;
  line-height: 1.4;
}

.fr-where-pct {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  color: rgba(0,0,0,0.4);
  background: rgba(0,0,0,0.05);
  padding: 2px 8px;
  border-radius: 999px;
  margin-left: 4px;
  vertical-align: 1px;
}

.fr-where-sub {
  font-size: 0.76rem;
  font-weight: 400;
  color: rgba(0,0,0,0.42);
  line-height: 1.6;
}

.fr-where-val {
  font-size: 0.95rem;
  font-weight: 700;
  color: #0D0D0D;
  white-space: nowrap;
  flex-shrink: 0;
  margin-left: auto;
  padding-left: 12px;
}

.fr-price-notes {
  margin-top: 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.fr-price-notes p {
  font-size: 0.8rem;
  line-height: 1.7;
  color: #666666;
  margin: 0;
}

.fr-price-notes strong { color: #0D0D0D; font-weight: 700; }

@media (max-width: 640px) {
  .fr-pricing       { padding: 64px 5%; }
  .fr-where-hl      { padding: 0 6px; }
  .fr-where-block   { padding: 20px 18px; }
  .fr-where-cap     { font-size: 0.62rem; margin-bottom: 14px; }
  .fr-where-bar     { height: 10px; margin-bottom: 18px; }
  .fr-where-row     { padding: 12px 0; gap: 10px; flex-wrap: wrap; }
  .fr-where-label   { font-size: 0.8rem; flex: 1 1 60%; }
  .fr-where-sub     { font-size: 0.7rem; }
  .fr-where-pct     { font-size: 0.62rem; padding: 2px 7px; }
  .fr-where-val     { font-size: 0.85rem; padding-left: 8px; }
  .fr-price-notes p { font-size: 0.75rem; }
}

/* ============================================= */
/* SECTION 10 — TIDAK DILINDUNGI                 */
/* ============================================= */

.fr-exclude {
  background: #ffffff;
  padding: 90px 5%;
}

.fr-exclude-inner { max-width: 1200px; margin: 0 auto; }

.fr-exclude-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.fr-exclude-card {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: #F9F9F7;
  border-radius: 16px;
  padding: 24px 26px;
}

.fr-x {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(240,137,74,0.15);
  color: #C25A16;
  font-size: 1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

.fr-exclude-card h3 {
  font-size: 0.92rem;
  font-weight: 700;
  color: #0D0D0D;
  margin: 0 0 6px;
  line-height: 1.3;
}

.fr-exclude-card p {
  font-size: 0.82rem;
  line-height: 1.65;
  color: #666666;
  margin: 0;
}

.fr-exclude-note {
  margin: 28px 0 0;
  font-size: 0.78rem;
  color: #888888;
  line-height: 1.6;
}

@media (max-width: 780px) {
  .fr-exclude      { padding: 64px 5%; }
  .fr-exclude-grid { grid-template-columns: 1fr; }
  .fr-exclude-card { padding: 20px 20px; }
}

/* ============================================= */
/* SECTION 11 — TUNTUTAN                         */
/* ============================================= */

.fr-claim {
  background: #F9F9F7;
  padding: 90px 5%;
}

.fr-claim-inner { max-width: 1200px; margin: 0 auto; }

.fr-claim-layout {
  display: grid;
  grid-template-columns: 58fr 42fr;
  gap: 48px;
  align-items: start;
}

.fr-claim-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
}

.fr-claim-step {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 22px 0;
  border-bottom: 1px solid rgba(0,0,0,0.07);
}

.fr-claim-step:first-child { padding-top: 0; }
.fr-claim-step:last-child  { border-bottom: none; }

.fr-claim-num {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: #0D0D0D;
  background: #CCF045;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fr-claim-step h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: #0D0D0D;
  margin: 0 0 6px;
  line-height: 1.3;
}

.fr-claim-step p {
  font-size: 0.85rem;
  line-height: 1.7;
  color: #666666;
  margin: 0;
}

/* Callout */
.fr-claim-callout {
  background: #0D0D0D;
  border-radius: 20px;
  padding: 34px 32px;
  position: sticky;
  top: 110px;
}

.fr-callout-tag {
  display: inline-block;
  font-size: 0.6rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #0D0D0D;
  background: #CCF045;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 18px;
}

.fr-claim-callout h3 {
  font-size: 1.3rem;
  font-weight: 700;
  color: #ffffff;
  margin: 0 0 16px;
  line-height: 1.25;
}

.fr-claim-callout p {
  font-size: 0.85rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.6);
  margin: 0 0 14px;
}

.fr-claim-callout strong { color: #CCF045; font-weight: 700; }
.fr-claim-callout em     { color: #ffffff; font-style: italic; }

.fr-callout-kicker {
  padding-top: 14px;
  border-top: 1px solid rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.45) !important;
  font-size: 0.8rem !important;
}

.fr-callout-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: #CCF045;
  color: #0D0D0D;
  font-size: 0.82rem;
  font-weight: 700;
  padding: 0.75rem 1.4rem;
  border-radius: 999px;
  text-decoration: none;
  margin-top: 6px;
  transition: background 200ms ease;
}

.fr-callout-btn:hover { background: #d4f55e; }

@media (max-width: 980px) {
  .fr-claim         { padding: 64px 5%; }
  .fr-claim-layout  { grid-template-columns: 1fr; gap: 36px; }
  .fr-claim-callout { position: static; padding: 26px 22px; }
}

/* ============================================= */
/* SECTION 12 — FAQ                              */
/* ============================================= */

.fr-faq {
  background: #ffffff;
  padding: 90px 5%;
}

.fr-faq-inner { max-width: 860px; margin: 0 auto; }

.fr-faq-list {
  display: flex;
  flex-direction: column;
  border-top: 1px solid rgba(0,0,0,0.08);
}

.fr-faq-item { border-bottom: 1px solid rgba(0,0,0,0.08); }

.fr-faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 4px;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  font-family: 'Poppins', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  color: #0D0D0D;
  line-height: 1.4;
  transition: color 200ms ease;
}

.fr-faq-q:hover { color: #5c8a00; }

.fr-faq-chev {
  font-size: 0.6rem;
  color: rgba(0,0,0,0.35);
  flex-shrink: 0;
  transition: transform 280ms ease, color 200ms ease;
}

.fr-faq-q[aria-expanded="true"] .fr-faq-chev {
  transform: rotate(180deg);
  color: #5c8a00;
}

.fr-faq-a { padding: 0 4px 22px; }

.fr-faq-a p {
  font-size: 0.875rem;
  line-height: 1.8;
  color: #666666;
  margin: 0;
  max-width: 720px;
}

@media (max-width: 640px) {
  .fr-faq   { padding: 64px 5%; }
  .fr-faq-q { font-size: 0.85rem; padding: 18px 2px; gap: 14px; }
  .fr-faq-a p { font-size: 0.8rem; line-height: 1.75; }
}

/* ============================================= */
/* SECTION 13 — DOKUMEN                          */
/* ============================================= */

.fr-docs {
  background: #F9F9F7;
  padding: 80px 5%;
}

.fr-docs-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.fr-docs-h2 {
  font-size: clamp(1.4rem, 2.4vw, 2rem);
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.2;
  margin: 0 0 12px;
}

.fr-docs-para {
  font-size: 0.9rem;
  line-height: 1.7;
  color: #666666;
  margin: 0;
  max-width: 460px;
}

.fr-docs-btns {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.fr-doc-btn {
  display: flex;
  align-items: center;
  gap: 18px;
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 14px;
  padding: 18px 22px;
  text-decoration: none;
  transition: border-color 200ms ease, box-shadow 200ms ease, transform 150ms ease;
}

.fr-doc-btn:hover {
  border-color: #CCF045;
  box-shadow: 0 8px 24px rgba(0,0,0,0.07);
  transform: translateY(-2px);
}

.fr-doc-logo {
  height: 34px;
  width: auto;
  flex-shrink: 0;
}

.fr-doc-meta { display: flex; flex-direction: column; gap: 2px; }

.fr-doc-title {
  font-size: 0.9rem;
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.3;
}

.fr-doc-sub {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: #999999;
}

@media (max-width: 860px) {
  .fr-docs       { padding: 60px 5%; }
  .fr-docs-inner { grid-template-columns: 1fr; gap: 32px; }
}

/* ============================================= */
/* SECTION 14 — CTA BANNER                       */
/* ============================================= */

.fr-cta {
  background: #0D0D0D;
  padding: 120px 5% 110px;
  text-align: center;
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(255,255,255,0.06);
}

/* Ghost word behind the content */
.fr-cta::before {
  content: 'SECURED';
  position: absolute;
  bottom: -0.14em;
  left: 50%;
  transform: translateX(-50%);
  font-size: clamp(4.5rem, 15vw, 13rem);
  font-weight: 800;
  letter-spacing: 0.02em;
  color: #ffffff;
  opacity: 0.028;
  line-height: 1;
  white-space: nowrap;
  pointer-events: none;
  user-select: none;
}

/* Soft lime glow behind the headline */
.fr-cta-glow {
  position: absolute;
  top: -30%;
  left: 50%;
  width: min(900px, 110%);
  aspect-ratio: 1;
  transform: translateX(-50%);
  background: radial-gradient(circle, rgba(204,240,69,0.10) 0%, rgba(204,240,69,0) 62%);
  pointer-events: none;
  z-index: 0;
}

.fr-cta-inner {
  max-width: 720px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
}

/* Eyebrow sits centred inside this section */
.fr-cta .fr-eyebrow { margin-bottom: 1.5rem; }

.fr-cta-h2 {
  font-size: clamp(1.8rem, 3vw, 2.7rem);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.18;
  letter-spacing: -0.02em;
  margin: 0 0 18px;
}

.fr-cta-para {
  font-size: 0.95rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.5);
  margin: 0 0 36px;
  max-width: 520px;
}

/* ---- Actions row ---- */
.fr-cta-actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}

/* Split button: white icon box inside a lime pill (site signature) */
.fr-cta-btn {
  display: inline-flex;
  align-items: center;
  background: #CCF045;
  border-radius: 12px;
  overflow: hidden;
  text-decoration: none;
  box-shadow: 0 4px 20px rgba(204,240,69,0.28);
  transition: transform 220ms ease, box-shadow 220ms ease;
}

.fr-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 34px rgba(204,240,69,0.45);
}

.fr-cta-btn-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  margin: 6px;
  border-radius: 8px;
  background: #ffffff;
  color: #0D0D0D;
  font-size: 1.05rem;
  flex-shrink: 0;
  transition: transform 300ms cubic-bezier(0.4, 0, 0.2, 1);
}

.fr-cta-btn:hover .fr-cta-btn-icon { transform: rotate(-45deg); }

.fr-cta-btn-text {
  display: flex;
  align-items: center;
  height: 44px;
  padding: 0 1.5rem 0 0.55rem;
  font-size: 0.875rem;
  font-weight: 700;
  color: #0D0D0D;
  white-space: nowrap;
}

/* Secondary: call link */
.fr-cta-call {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  text-decoration: none;
  text-align: left;
  padding-left: 28px;
  border-left: 1px solid rgba(255,255,255,0.12);
}

.fr-cta-call-label {
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
}

.fr-cta-call-num {
  font-size: 1.05rem;
  font-weight: 700;
  color: #ffffff;
  line-height: 1.2;
  transition: color 200ms ease;
}

.fr-cta-call:hover .fr-cta-call-num { color: #CCF045; }

/* ---- Trust strip ---- */
.fr-cta-trust {
  list-style: none;
  margin: 0;
  padding: 22px 0 0;
  border-top: 1px solid rgba(255,255,255,0.08);
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 10px 26px;
}

.fr-cta-trust li {
  position: relative;
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
}

.fr-cta-trust li + li::before {
  content: '';
  position: absolute;
  left: -14px;
  top: 50%;
  width: 3px;
  height: 3px;
  border-radius: 50%;
  background: #CCF045;
  opacity: 0.45;
  transform: translateY(-50%);
}

@media (max-width: 768px) {
  .fr-cta          { padding: 76px 5% 68px; }
  .fr-cta-h2       { font-size: 1.55rem; }
  .fr-cta-h2 br    { display: none; }
  .fr-cta-para     { font-size: 0.85rem; margin-bottom: 28px; }
  .fr-cta-actions  { flex-direction: column; gap: 22px; width: 100%; margin-bottom: 34px; }
  .fr-cta-btn      { width: 100%; max-width: 320px; }
  .fr-cta-btn-text {
    flex: 1;
    justify-content: center;
    height: auto;
    min-height: 44px;
    padding: 0.5rem 0.9rem 0.5rem 0.3rem;
    white-space: normal;
    text-align: center;
    line-height: 1.3;
  }
  .fr-cta-call     { align-items: center; text-align: center; padding-left: 0; border-left: none; }
  .fr-cta-trust    { gap: 8px 22px; padding-top: 18px; }
  .fr-cta-trust li { font-size: 0.6rem; }
  .fr-cta-trust li + li::before { left: -12px; }
}

/* ============================================= */
/* REDUCED MOTION                                */
/* ============================================= */

@media (prefers-reduced-motion: reduce) {
  .fr-reveal-left,
  .fr-reveal-right,
  .fr-reveal-up {
    transition: none;
    opacity: 1;
    transform: none;
  }

  .fr-anim-1, .fr-anim-2, .fr-anim-3, .fr-anim-4 {
    opacity: 1;
    animation: none;
  }

  .fr-hero-bg { animation: none; }
}