/* =====================================================================
   Finance Loan Solution — Custom Stylesheet
   Palette: Deep Navy · Teal · Gold · Coral · Violet · Emerald
   ===================================================================== */

:root {
  --navy: #081c3d;
  --navy-2: #0d2a55;
  --teal: #0e8c96;
  --teal-dark: #0a6b73;
  --gold: #f6b21b;
  --gold-dark: #e29a06;
  --coral: #f25f6b;
  --violet: #7c5cf0;
  --emerald: #18b07a;
  --sky: #2a9de4;
  --ink: #1f2a44;
  --muted: #5d6b82;
  --bg-soft: #f3f7fa;
  --bg-soft-2: #eef4f6;
  --white: #ffffff;
  --border: #e3eaf1;
  --shadow-sm: 0 6px 18px rgba(8, 28, 61, 0.07);
  --shadow-md: 0 14px 38px rgba(8, 28, 61, 0.12);
  --shadow-lg: 0 24px 60px rgba(8, 28, 61, 0.18);
  --radius: 16px;
  --radius-lg: 24px;
  --font-head: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --font-body: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

/* ---------- Base ---------- */
* { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.7;
}

h1, h2, h3, h4, h5, h6,
.h1, .h2, .h3, .h4 {
  font-family: var(--font-head);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
  line-height: 1.22;
}

p { color: var(--muted); }

a { text-decoration: none; transition: all .25s ease; }

img { max-width: 100%; }

::selection { background: var(--gold); color: var(--navy); }

section { position: relative; }

.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }

.bg-soft { background: var(--bg-soft); }
.bg-soft-2 { background: var(--bg-soft-2); }
.bg-navy { background: var(--navy); }

.text-brand-teal { color: var(--teal) !important; }
.text-brand-gold { color: var(--gold) !important; }

/* ---------- Section headings ---------- */
.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--teal-dark);
  background: rgba(14, 140, 150, .1);
  border: 1px solid rgba(14, 140, 150, .22);
  padding: 7px 16px;
  border-radius: 999px;
  margin-bottom: 18px;
}
.eyebrow.gold { color: #9a6a00; background: rgba(246, 178, 27, .16); border-color: rgba(246, 178, 27, .4); }
.eyebrow.light { color: var(--gold); background: rgba(246, 178, 27, .12); border-color: rgba(246, 178, 27, .35); }

.section-title { font-size: clamp(1.8rem, 3.4vw, 2.6rem); margin-bottom: 16px; }
.section-sub { font-size: 1.05rem; max-width: 720px; }

/* ---------- Buttons ---------- */
.btn {
  font-weight: 700;
  border-radius: 999px;
  padding: .78rem 1.7rem;
  font-size: .95rem;
  letter-spacing: .01em;
  transition: transform .25s ease, box-shadow .25s ease, background .25s ease;
}
.btn:hover { transform: translateY(-2px); }

.btn-brand {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  border: none;
  box-shadow: 0 10px 24px rgba(246, 178, 27, .38);
}
.btn-brand:hover { background: linear-gradient(135deg, #ffc13d, var(--gold)); color: var(--navy); box-shadow: 0 14px 30px rgba(246, 178, 27, .5); }

.btn-teal {
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: #fff;
  border: none;
  box-shadow: 0 10px 24px rgba(14, 140, 150, .35);
}
.btn-teal:hover { background: linear-gradient(135deg, #12a3ae, var(--teal)); color: #fff; }

.btn-outline-light {
  border: 2px solid rgba(255,255,255,.6);
  color: #fff;
  border-radius: 999px;
}
.btn-outline-light:hover { background: #fff; color: var(--navy); border-color: #fff; }

.btn-soft {
  background: rgba(14,140,150,.1);
  color: var(--teal-dark);
  border: 1px solid rgba(14,140,150,.2);
}
.btn-soft:hover { background: rgba(14,140,150,.18); color: var(--teal-dark); }

.btn-sm { padding: .55rem 1.2rem; font-size: .85rem; }

/* ---------- Navbar ---------- */
.navbar-fls {
  padding: 18px 0;
  transition: all .35s ease;
  background: transparent;
}
.navbar-fls .navbar-brand { display: flex; align-items: center; gap: 12px; }
.brand-mark {
  width: 46px; height: 46px;
  display: grid; place-items: center;
  border-radius: 13px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  font-weight: 900; font-size: 1.02rem;
  letter-spacing: .04em;
  box-shadow: 0 8px 18px rgba(246,178,27,.4);
}
.brand-text {
  font-size: 1.18rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.05;
  letter-spacing: -0.01em;
}
.brand-text small { display: block; font-size: .68rem; font-weight: 600; letter-spacing: .28em; text-transform: uppercase; color: var(--gold); }

.navbar-fls .nav-link {
  color: rgba(255,255,255,.9) !important;
  font-weight: 600;
  margin: 0 5px;
  position: relative;
  padding: 8px 4px !important;
}
.navbar-fls .nav-link::after {
  content: "";
  position: absolute;
  left: 4px; right: 4px; bottom: 0;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .3s ease;
}
.navbar-fls .nav-link:hover::after,
.navbar-fls .nav-link.active::after { transform: scaleX(1); }
.navbar-fls .nav-link.active { color: var(--gold) !important; }

.navbar-fls.scrolled,
body.inner-page .navbar-fls {
  background: rgba(8, 28, 61, .96);
  backdrop-filter: blur(10px);
  box-shadow: 0 8px 30px rgba(0,0,0,.22);
  padding: 10px 0;
}
body.inner-page .navbar-fls { position: sticky; top: 0; z-index: 1040; }

.navbar-toggler { border: 1px solid rgba(255,255,255,.35); border-radius: 10px; padding: 6px 10px; }
.navbar-toggler:focus { box-shadow: none; }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1100px 500px at 85% -10%, rgba(14,140,150,.55), transparent 60%),
    radial-gradient(800px 500px at -10% 110%, rgba(246,178,27,.22), transparent 55%),
    linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 60%, #0a3b5e 100%);
  color: #fff;
  padding: 185px 0 120px;
  overflow: hidden;
}
.hero h1 { color: #fff; font-size: clamp(2.2rem, 4.6vw, 3.55rem); }
.hero h1 .hl {
  background: linear-gradient(120deg, var(--gold) 20%, #ffd874 70%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}
.hero p.lead { color: rgba(255,255,255,.82); font-size: 1.12rem; max-width: 560px; }

.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.16);
  padding: 8px 15px;
  border-radius: 999px;
  font-size: .85rem;
  font-weight: 600;
  color: rgba(255,255,255,.9);
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--emerald); box-shadow: 0 0 0 4px rgba(24,176,122,.25); }

.hero-media { position: relative; }
.hero-media img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  border: 5px solid rgba(255,255,255,.1);
}
.hero-float-card {
  position: absolute;
  background: #fff;
  border-radius: 16px;
  padding: 14px 18px;
  box-shadow: var(--shadow-md);
  display: flex; align-items: center; gap: 12px;
  color: var(--navy);
}
.hero-float-card .ico {
  width: 44px; height: 44px; border-radius: 12px;
  display: grid; place-items: center;
  font-size: 1.3rem;
}
.hero-float-card strong { display: block; font-size: 1.05rem; color: var(--navy); }
.hero-float-card span { font-size: .78rem; color: var(--muted); }
.hero-float-card.one { left: -26px; bottom: 34px; animation: floaty 5s ease-in-out infinite; }
.hero-float-card.two { right: -20px; top: 30px; animation: floaty 6s ease-in-out infinite reverse; }

@keyframes floaty {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

.hero-wave { position: absolute; bottom: -1px; left: 0; width: 100%; line-height: 0; }
.hero-wave svg { display: block; width: 100%; height: 60px; }

/* ---------- Stats strip ---------- */
.stats-strip { margin-top: -58px; position: relative; z-index: 5; }
.stat-card {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 26px 20px;
  text-align: center;
  height: 100%;
  border-top: 4px solid var(--teal);
  transition: transform .3s ease;
}
.stat-card:hover { transform: translateY(-6px); }
.stat-card:nth-child(2) { border-color: var(--gold); }
.stat-card:nth-child(3) { border-color: var(--coral); }
.stat-card:nth-child(4) { border-color: var(--violet); }
.stat-card .num { font-size: 2.1rem; font-weight: 900; color: var(--navy); }
.stat-card .lbl { color: var(--muted); font-weight: 600; font-size: .9rem; }

/* ---------- About preview ---------- */
.img-frame {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.img-frame img { display: block; width: 100%; }
.img-frame .exp-badge {
  position: absolute;
  left: 22px; bottom: 22px;
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: #fff;
  border-radius: 16px;
  padding: 16px 22px;
  display: flex; align-items: center; gap: 14px;
  box-shadow: var(--shadow-md);
}
.img-frame .exp-badge .big { font-size: 1.9rem; font-weight: 900; color: var(--gold); line-height: 1; }
.img-frame .exp-badge small { font-size: .8rem; color: rgba(255,255,255,.8); }

.check-list { list-style: none; padding: 0; margin: 24px 0; }
.check-list li {
  display: flex; align-items: flex-start; gap: 12px;
  margin-bottom: 14px;
  color: var(--ink);
  font-weight: 600;
}
.check-list .tick {
  flex: 0 0 26px;
  width: 26px; height: 26px;
  border-radius: 50%;
  display: grid; place-items: center;
  font-size: .8rem;
  color: #fff;
}
.tick.teal { background: var(--teal); }
.tick.gold { background: var(--gold-dark); }
.tick.coral { background: var(--coral); }
.tick.violet { background: var(--violet); }
.tick.emerald { background: var(--emerald); }
.tick.sky { background: var(--sky); }

/* ---------- Service cards ---------- */
.service-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform .35s ease, box-shadow .35s ease;
  position: relative;
}
.service-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); }
.service-card .card-img-wrap { position: relative; overflow: hidden; height: 210px; }
.service-card .card-img-wrap img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform .6s ease;
}
.service-card:hover .card-img-wrap img { transform: scale(1.08); }
.service-card .chip {
  position: absolute; top: 16px; left: 16px;
  color: #fff;
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 6px 13px;
  border-radius: 999px;
  box-shadow: 0 6px 14px rgba(0,0,0,.18);
}
.chip.blue { background: linear-gradient(135deg, #2f6fed, #1e4fc4); }
.chip.rose { background: linear-gradient(135deg, #f25f6b, #d33948); }
.chip.green { background: linear-gradient(135deg, #18b07a, #0e8a5e); }
.chip.purple { background: linear-gradient(135deg, #7c5cf0, #5a35d4); }
.chip.orange { background: linear-gradient(135deg, #f69b1b, #e27306); }
.chip.cyan { background: linear-gradient(135deg, #2a9de4, #1473b8); }

.service-card .card-body { padding: 26px 24px; display: flex; flex-direction: column; flex: 1; }
.service-card h3 { font-size: 1.22rem; margin-bottom: 10px; }
.service-card p { font-size: .93rem; flex: 1; }
.service-card .card-link {
  margin-top: 16px;
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 700;
  color: var(--teal-dark);
  width: fit-content;
}
.service-card .card-link:hover { gap: 13px; color: var(--navy); }

/* ---------- Features (why choose us) ---------- */
.feature-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 32px 26px;
  height: 100%;
  border: 1px solid var(--border);
  transition: transform .3s ease, box-shadow .3s ease;
}
.feature-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.feature-ico {
  width: 60px; height: 60px;
  border-radius: 16px;
  display: grid; place-items: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
}
.ico-bg-teal { background: rgba(14,140,150,.12); }
.ico-bg-gold { background: rgba(246,178,27,.16); }
.ico-bg-coral { background: rgba(242,95,107,.12); }
.ico-bg-violet { background: rgba(124,92,240,.12); }
.ico-bg-emerald { background: rgba(24,176,122,.12); }
.ico-bg-sky { background: rgba(42,157,228,.12); }
.feature-card h4 { font-size: 1.12rem; margin-bottom: 8px; }
.feature-card p { font-size: .92rem; margin: 0; }

/* ---------- Process steps ---------- */
.process { background:
  radial-gradient(900px 400px at 80% 0%, rgba(14,140,150,.12), transparent 60%),
  var(--navy);
  color: #fff;
}
.process h2, .process h4 { color: #fff; }
.process p { color: rgba(255,255,255,.72); }
.step-card {
  position: relative;
  padding: 30px 24px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius);
  height: 100%;
  transition: background .3s ease, transform .3s ease;
}
.step-card:hover { background: rgba(255,255,255,.09); transform: translateY(-6px); }
.step-num {
  width: 54px; height: 54px;
  border-radius: 50%;
  display: grid; place-items: center;
  font-size: 1.3rem; font-weight: 900;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  margin-bottom: 18px;
  box-shadow: 0 10px 22px rgba(246,178,27,.35);
}
.step-card h4 { font-size: 1.12rem; }

/* ---------- Testimonials ---------- */
.testi-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 34px 30px;
  height: 100%;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  position: relative;
}
.testi-card .quote-ico {
  font-size: 2.4rem;
  line-height: 1;
  font-family: Georgia, serif;
  font-weight: 900;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.testi-card p { font-style: italic; font-size: .97rem; }
.stars { color: var(--gold); letter-spacing: 3px; font-size: .95rem; margin-bottom: 10px; }
.testi-person { display: flex; align-items: center; gap: 14px; margin-top: 18px; }
.avatar {
  width: 50px; height: 50px;
  border-radius: 50%;
  display: grid; place-items: center;
  color: #fff; font-weight: 800; font-size: 1rem;
  flex: 0 0 50px;
}
.av-1 { background: linear-gradient(135deg,#2f6fed,#1e4fc4); }
.av-2 { background: linear-gradient(135deg,#f25f6b,#d33948); }
.av-3 { background: linear-gradient(135deg,#18b07a,#0e8a5e); }
.av-4 { background: linear-gradient(135deg,#7c5cf0,#5a35d4); }
.av-5 { background: linear-gradient(135deg,#f69b1b,#e27306); }
.av-6 { background: linear-gradient(135deg,#0e8c96,#0a6b73); }
.testi-person strong { color: var(--navy); display: block; font-size: 1rem; }

/* Testimonial carousel controls (shown on a light background) */
#testimonialCarousel .carousel-control-prev,
#testimonialCarousel .carousel-control-next { width: auto; opacity: 1; }
#testimonialCarousel .carousel-control-prev { left: -18px; }
#testimonialCarousel .carousel-control-next { right: -18px; }
#testimonialCarousel .carousel-control-prev-icon,
#testimonialCarousel .carousel-control-next-icon {
  width: 3rem; height: 3rem;
  border-radius: 50%;
  background-color: var(--teal);
  box-shadow: var(--shadow-sm);
  background-size: 55% 55%;
  opacity: .9;
}
#testimonialCarousel .carousel-control-prev-icon:hover,
#testimonialCarousel .carousel-control-next-icon:hover { background-color: var(--teal-dark); }
.carousel-indicators [data-bs-target] { width: 10px; height: 10px; border-radius: 50%; border: 0; opacity: .35; }
.carousel-indicators .active { opacity: 1; }

/* ---------- FAQ ---------- */
.accordion-fls .accordion-item {
  border: 1px solid var(--border);
  border-radius: 14px !important;
  margin-bottom: 14px;
  overflow: hidden;
  background: #fff;
  box-shadow: var(--shadow-sm);
}
.accordion-fls .accordion-button {
  font-weight: 700;
  color: var(--navy);
  font-size: 1.02rem;
  padding: 20px 24px;
  background: #fff;
  box-shadow: none !important;
}
.accordion-fls .accordion-button:not(.collapsed) {
  background: linear-gradient(135deg, rgba(14,140,150,.08), rgba(14,140,150,.02));
  color: var(--teal-dark);
}
.accordion-fls .accordion-button::after {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230e8c96'%3E%3Cpath d='M8 2a.5.5 0 0 1 .5.5v5h5a.5.5 0 0 1 0 1h-5v5a.5.5 0 0 1-1 0v-5h-5a.5.5 0 0 1 0-1h5v-5A.5.5 0 0 1 8 2'/%3E%3C/svg%3E");
}
.accordion-fls .accordion-body { color: var(--muted); padding: 0 24px 22px; }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(700px 300px at 10% 120%, rgba(246,178,27,.28), transparent 60%),
    radial-gradient(700px 300px at 100% -20%, rgba(14,140,150,.5), transparent 60%),
    linear-gradient(120deg, var(--teal-dark), var(--navy-2) 70%);
  border-radius: var(--radius-lg);
  padding: 58px 56px;
  color: #fff;
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; font-size: clamp(1.6rem, 3vw, 2.3rem); }
.cta-band p { color: rgba(255,255,255,.85); margin: 0; }

/* ---------- Newsletter ---------- */
.newsletter {
  background:
    radial-gradient(700px 360px at 0% 0%, rgba(246,178,27,.25), transparent 60%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
}
.newsletter h2, .newsletter h3 { color: #fff; }
.newsletter p { color: rgba(255,255,255,.78); }
.newsletter-form { display: flex; gap: 10px; flex-wrap: wrap; }
.newsletter-form .form-control {
  flex: 1 1 240px;
  border-radius: 999px;
  padding: .8rem 1.4rem;
  border: 1px solid rgba(255,255,255,.2);
  background: rgba(255,255,255,.08);
  color: #fff;
}
.newsletter-form .form-control::placeholder { color: rgba(255,255,255,.55); }
.newsletter-form .form-control:focus { background: rgba(255,255,255,.14); color: #fff; border-color: var(--gold); box-shadow: 0 0 0 .2rem rgba(246,178,27,.25); }

/* ---------- Footer ---------- */
.footer {
  background: #05142d;
  color: rgba(255,255,255,.72);
  padding: 78px 0 0;
  font-size: .93rem;
}
.footer h5 {
  color: #fff;
  font-size: 1.02rem;
  margin-bottom: 22px;
  position: relative;
  padding-bottom: 12px;
}
.footer h5::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 38px; height: 3px;
  border-radius: 3px;
  background: var(--gold);
}
.footer a { color: rgba(255,255,255,.72); display: inline-flex; align-items: center; gap: 8px; margin-bottom: 11px; }
.footer a:hover { color: var(--gold); transform: translateX(4px); }
.footer .footer-brand-text { color: #fff; font-weight: 800; font-size: 1.2rem; }
.footer .contact-line { display: flex; gap: 12px; margin-bottom: 16px; align-items: flex-start; }
.footer .contact-line .ci { color: var(--gold); margin-top: 3px; flex: 0 0 18px; }
.footer .contact-line span, .footer .contact-line a { margin: 0; }
.social-btn {
  width: 40px; height: 40px !important;
  border-radius: 11px;
  display: inline-grid !important;
  place-items: center;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  margin: 0 8px 0 0 !important;
  transition: all .25s ease;
}
.social-btn:hover { background: var(--gold); color: var(--navy) !important; transform: translateY(-3px) !important; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  margin-top: 56px;
  padding: 22px 0;
  font-size: .85rem;
}
.footer-bottom a { display: inline; margin: 0 6px; }
.footer-bottom a:hover { color: var(--gold); }

/* ---------- Inner page header ---------- */
.page-header {
  background:
    radial-gradient(800px 300px at 90% -30%, rgba(14,140,150,.5), transparent 60%),
    radial-gradient(600px 300px at 0% 140%, rgba(246,178,27,.2), transparent 55%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
  color: #fff;
  padding: 78px 0 70px;
}
.page-header h1 { color: #fff; font-size: clamp(2rem, 4vw, 2.9rem); }
.page-header p { color: rgba(255,255,255,.8); margin-bottom: 0; }
.breadcrumb { justify-content: center; margin-bottom: 14px; }
.breadcrumb-item, .breadcrumb-item a { color: rgba(255,255,255,.75); font-weight: 600; font-size: .88rem; }
.breadcrumb-item.active { color: var(--gold); }
.breadcrumb-item + .breadcrumb-item::before { content: "›"; color: rgba(255,255,255,.5); }

/* ---------- Services detail rows ---------- */
.service-detail { padding: 90px 0; }
.service-detail:nth-of-type(even) { background: var(--bg-soft); }
.service-detail .sd-img { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); }
.service-detail .sd-img img { width: 100%; display: block; }
.service-detail h2 { font-size: clamp(1.6rem, 2.8vw, 2.2rem); margin-bottom: 16px; }
.feature-pills { display: flex; flex-wrap: wrap; gap: 10px; margin: 22px 0 26px; }
.feature-pill {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 8px 16px;
  font-size: .87rem;
  font-weight: 600;
  color: var(--ink);
  box-shadow: var(--shadow-sm);
}
.bg-soft .feature-pill { background: #fff; }

/* ---------- Loan calculator ---------- */
.calculator-card {
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 40px 36px;
  border: 1px solid var(--border);
}
.calc-output {
  background: linear-gradient(140deg, var(--navy), var(--navy-2));
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  color: #fff;
  height: 100%;
  box-shadow: var(--shadow-md);
}
.calc-output .amount { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 900; color: var(--gold); }
.calc-row { display: flex; justify-content: space-between; padding: 12px 0; border-bottom: 1px dashed rgba(255,255,255,.18); }
.calc-row:last-child { border-bottom: 0; }
.calc-row span { color: rgba(255,255,255,.75); }
.calc-row strong { color: #fff; }

.form-range::-webkit-slider-thumb {
  background: var(--teal);
  width: 22px; height: 22px;
}
.form-range::-moz-range-thumb { background: var(--teal); width: 22px; height: 22px; }
.form-range { accent-color: var(--teal); }

/* ---------- Forms ---------- */
.form-card {
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 40px 38px;
  border: 1px solid var(--border);
}
.form-label { font-weight: 700; color: var(--navy); font-size: .9rem; margin-bottom: .4rem; }
.form-control, .form-select {
  border-radius: 12px;
  padding: .72rem 1.1rem;
  border: 1.5px solid var(--border);
  font-size: .95rem;
  background: #fbfdfe;
}
.form-control:focus, .form-select:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 .2rem rgba(14,140,150,.15);
  background: #fff;
}
.form-control.is-invalid, .form-select.is-invalid { border-color: var(--coral); background: #fff6f6; }
.invalid-feedback { font-size: .82rem; font-weight: 600; }

.info-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  height: 100%;
  display: flex; gap: 16px; align-items: flex-start;
  transition: transform .3s ease, box-shadow .3s ease;
}
.info-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.info-card .ico {
  width: 52px; height: 52px; flex: 0 0 52px;
  border-radius: 14px;
  display: grid; place-items: center;
  font-size: 1.35rem;
}
.info-card h4 { font-size: 1.05rem; margin-bottom: 6px; }
.info-card p, .info-card a { margin: 0; font-size: .92rem; color: var(--muted); word-break: break-word; }
.info-card a:hover { color: var(--teal-dark); }

.map-frame {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 5px solid #fff;
  line-height: 0;
  background: var(--bg-soft);
}
.map-frame iframe { width: 100%; height: 380px; border: 0; display: block; }

.form-message { border-radius: 12px; padding: 14px 18px; font-weight: 600; font-size: .92rem; display: none; }
.form-message.show { display: block; animation: pop .35s ease; }
.form-message.success { background: rgba(24,176,122,.12); color: #0b7a54; border: 1px solid rgba(24,176,122,.35); }
.form-message.danger { background: rgba(242,95,107,.1); color: #c1303e; border: 1px solid rgba(242,95,107,.32); }
.form-message.info { background: rgba(14,140,150,.1); color: var(--teal-dark); border: 1px solid rgba(14,140,150,.3); }
@keyframes pop { from { opacity: 0; transform: translateY(-8px);} to { opacity: 1; transform: translateY(0);} }

/* ---------- Blog ---------- */
.blog-card {
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
  height: 100%;
  display: flex; flex-direction: column;
  transition: transform .35s ease, box-shadow .35s ease;
}
.blog-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); }
.blog-card .blog-img { height: 225px; overflow: hidden; position: relative; }
.blog-card .blog-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; }
.blog-card:hover .blog-img img { transform: scale(1.07); }
.blog-card .blog-body { padding: 26px 26px 28px; display: flex; flex-direction: column; flex: 1; }
.blog-card h3 { font-size: 1.25rem; line-height: 1.35; margin-bottom: 12px; }
.blog-card h3 a { color: var(--navy); }
.blog-card h3 a:hover { color: var(--teal-dark); }
.blog-card p { font-size: .93rem; flex: 1; }
.read-more {
  margin-top: 16px;
  font-weight: 700;
  color: var(--teal-dark);
  display: inline-flex; align-items: center; gap: 8px;
  width: fit-content;
}
.read-more:hover { gap: 13px; color: var(--navy); }

/* Single post */
.article-hero-img { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); margin-bottom: 40px; }
.article-hero-img img { width: 100%; display: block; }
.article-body { font-size: 1.06rem; }
.article-body p { margin-bottom: 1.4rem; color: #3b475e; }
.article-body h2 { font-size: 1.6rem; margin: 38px 0 16px; }
.article-body ul { margin-bottom: 1.4rem; padding-left: 0; list-style: none; }
.article-body ul li { position: relative; padding-left: 32px; margin-bottom: 12px; color: #3b475e; }
.article-body ul li::before {
  content: "✓";
  position: absolute; left: 0; top: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: rgba(14,140,150,.12);
  color: var(--teal-dark);
  font-size: .75rem; font-weight: 900;
  display: grid; place-items: center;
}
.article-quote {
  border-left: 4px solid var(--gold);
  background: var(--bg-soft);
  border-radius: 0 14px 14px 0;
  padding: 24px 28px;
  margin: 30px 0;
  font-style: italic;
  color: var(--navy);
  font-size: 1.12rem;
  font-weight: 600;
}
.related-card { display: block; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--border); background: #fff; height: 100%; transition: transform .3s, box-shadow .3s; }
.related-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.related-card img { width: 100%; height: 160px; object-fit: cover; display: block; }
.related-card .rc-body { padding: 18px 20px; }
.related-card h4 { font-size: 1rem; color: var(--navy); margin: 0; line-height: 1.4; }

/* ---------- Legal pages ---------- */
.legal-card {
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  padding: 48px 52px;
}
.legal-card h2 { font-size: 1.5rem; margin-top: 34px; }
.legal-card h2:first-child { margin-top: 0; }
.legal-card p, .legal-card li { color: #46536a; font-size: .97rem; }
.legal-card ul { padding-left: 1.2rem; }
.legal-card ul li { margin-bottom: 8px; }
.updated-tag { display: inline-block; background: rgba(14,140,150,.1); color: var(--teal-dark); font-weight: 700; font-size: .85rem; padding: 6px 14px; border-radius: 999px; margin-bottom: 24px; }

/* ---------- Subscribe / Unsubscribe ---------- */
.auth-screen {
  background:
    radial-gradient(800px 400px at 85% -10%, rgba(14,140,150,.35), transparent 60%),
    radial-gradient(600px 400px at 5% 110%, rgba(246,178,27,.18), transparent 55%),
    linear-gradient(135deg, var(--navy), var(--navy-2));
  padding: 80px 0 100px;
  min-height: calc(100vh - 60px);
}
.auth-card {
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 48px 44px;
}
.auth-card .auth-ico {
  width: 76px; height: 76px;
  border-radius: 22px;
  display: grid; place-items: center;
  font-size: 2rem;
  margin: 0 auto 20px;
}
.benefit-row { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 14px; }
.benefit-row .bi-tick {
  flex: 0 0 24px; width: 24px; height: 24px;
  border-radius: 50%;
  background: rgba(24,176,122,.14);
  color: #0b7a54;
  display: grid; place-items: center;
  font-size: .8rem; font-weight: 900;
  margin-top: 3px;
}
.benefit-row strong { color: var(--navy); display: block; font-size: .96rem; }
.benefit-row span { color: var(--muted); font-size: .9rem; }

/* ---------- Mission cards ---------- */
.mission-card {
  border-radius: var(--radius);
  padding: 34px 28px;
  height: 100%;
  color: #fff;
  box-shadow: var(--shadow-md);
}
.mission-card h4 { color: #fff; margin: 14px 0 10px; }
.mission-card p { color: rgba(255,255,255,.85); margin: 0; font-size: .93rem; }
.mission-card .m-ico { width: 56px; height: 56px; border-radius: 15px; background: rgba(255,255,255,.18); display: grid; place-items: center; font-size: 1.5rem; }
.m-teal { background: linear-gradient(140deg, #0e8c96, #0a6b73); }
.m-gold { background: linear-gradient(140deg, #f6b21b, #d98f00); }
.m-violet { background: linear-gradient(140deg, #7c5cf0, #5a35d4); }

/* ---------- Back to top ---------- */
#backToTop {
  position: fixed;
  right: 26px; bottom: 26px;
  width: 48px; height: 48px;
  border-radius: 14px;
  border: none;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: #fff;
  font-size: 1.1rem;
  box-shadow: var(--shadow-md);
  opacity: 0; visibility: hidden;
  transform: translateY(14px);
  transition: all .3s ease;
  z-index: 1030;
  display: grid; place-items: center;
}
#backToTop.show { opacity: 1; visibility: visible; transform: translateY(0); }
#backToTop:hover { background: linear-gradient(135deg, #12a3ae, var(--teal)); }

/* ---------- Responsive ---------- */
@media (max-width: 991px) {
  .hero { padding: 140px 0 90px; }
  .hero-media { margin-top: 50px; }
  .hero-float-card.one { left: 6px; }
  .hero-float-card.two { right: 6px; }
  .navbar-fls .navbar-collapse {
    background: rgba(8,28,61,.98);
    border-radius: 16px;
    padding: 16px;
    margin-top: 12px;
    border: 1px solid rgba(255,255,255,.1);
  }
  .navbar-fls .nav-link { padding: 10px 8px !important; }
  .navbar-fls .nav-link::after { display: none; }
  .navbar-fls .btn { margin-top: 10px; width: 100%; }
  .section { padding: 74px 0; }
  .cta-band { padding: 40px 28px; }
  .legal-card { padding: 32px 24px; }
  .stats-strip .stat-card { margin-bottom: 18px; }
}
@media (max-width: 575px) {
  .hero-float-card { display: none; }
  .auth-card { padding: 36px 24px; }
  .form-card { padding: 28px 22px; }
}