/* =========================================================
   FINANCE VISION ZONE  |  Main Stylesheet
   Palette: Deep Navy + Emerald Teal + Gold
   ========================================================= */

:root {
  --navy-900: #06121f;
  --navy-800: #0a1a2f;
  --navy-700: #10263f;
  --navy-600: #16324f;
  --teal-600: #0f8b7e;
  --teal-500: #12a594;
  --teal-400: #1fc8b0;
  --teal-100: #d9f5f0;
  --gold-500: #f0b429;
  --gold-400: #ffc94d;
  --gold-100: #fff3d6;
  --coral: #ef6f5c;
  --ink: #12243a;
  --slate: #5a6b80;
  --mist: #f3f7f9;
  --paper: #ffffff;
  --line: #e3ebf1;

  --grad-brand: linear-gradient(120deg, #0f8b7e 0%, #12a594 45%, #1fc8b0 100%);
  --grad-gold: linear-gradient(120deg, #e09b12 0%, #f0b429 50%, #ffd976 100%);
  --grad-dark: linear-gradient(135deg, #06121f 0%, #0a1a2f 45%, #10263f 100%);

  --shadow-sm: 0 4px 14px rgba(10, 26, 47, 0.08);
  --shadow-md: 0 14px 34px rgba(10, 26, 47, 0.12);
  --shadow-lg: 0 26px 60px rgba(10, 26, 47, 0.18);
  --radius: 18px;
  --radius-sm: 12px;
  --transition: all 0.35s cubic-bezier(0.22, 0.61, 0.36, 1);
}

* { -webkit-tap-highlight-color: transparent; }

html { scroll-behavior: smooth; }

body {
  font-family: "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.75;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6,
.navbar-brand, .btn, .counter-value, .section-tag {
  font-family: Georgia, "Times New Roman", "Playfair Display", serif;
}

h1, h2, h3, h4, h5, h6 { color: var(--navy-800); font-weight: 700; letter-spacing: -0.2px; }

a { text-decoration: none; transition: var(--transition); }
img { max-width: 100%; }
::selection { background: var(--teal-400); color: var(--navy-900); }

/* ---------- utility ---------- */
.text-teal { color: var(--teal-600) !important; }
.text-gold { color: var(--gold-500) !important; }
.text-navy { color: var(--navy-800) !important; }
.text-slate { color: var(--slate) !important; }
.bg-mist { background: var(--mist); }
.bg-navy { background: var(--navy-800); }
.fw-600 { font-weight: 600; }
.section { padding: 92px 0; position: relative; }
.section-sm { padding: 64px 0; }
.divider-gold { width: 72px; height: 4px; border-radius: 4px; background: var(--grad-gold); display: inline-block; }

/* ---------- buttons ---------- */
.btn { border-radius: 50px; font-weight: 600; letter-spacing: 0.4px; padding: 0.72rem 1.7rem; transition: var(--transition); border: 2px solid transparent; }
.btn:focus { box-shadow: none; }
.btn-teal { background: var(--grad-brand); color: #fff; box-shadow: 0 10px 24px rgba(18, 165, 148, 0.32); }
.btn-teal:hover { background: var(--navy-800); color: #fff; transform: translateY(-3px); box-shadow: 0 16px 30px rgba(10, 26, 47, 0.28); }
.btn-gold { background: var(--grad-gold); color: var(--navy-900); box-shadow: 0 10px 24px rgba(240, 180, 41, 0.35); }
.btn-gold:hover { background: var(--navy-800); color: var(--gold-400); transform: translateY(-3px); }
.btn-outline-light-2 { border-color: rgba(255, 255, 255, 0.55); color: #fff; background: transparent; }
.btn-outline-light-2:hover { background: #fff; color: var(--navy-800); border-color: #fff; transform: translateY(-3px); }
.btn-outline-navy { border-color: var(--navy-700); color: var(--navy-800); background: transparent; }
.btn-outline-navy:hover { background: var(--navy-800); color: #fff; transform: translateY(-3px); }
.btn-outline-teal { border-color: var(--teal-500); color: var(--teal-600); background: transparent; }
.btn-outline-teal:hover { background: var(--teal-500); color: #fff; transform: translateY(-3px); }
.btn-sm { padding: 0.5rem 1.2rem; font-size: 0.9rem; }
.btn-lg { padding: 0.9rem 2.2rem; font-size: 1.05rem; }
.link-arrow { color: var(--teal-600); font-weight: 700; font-size: 0.95rem; letter-spacing: 0.3px; }
.link-arrow:hover { color: var(--navy-800); letter-spacing: 0.8px; }

/* ---------- section headings ---------- */
.section-tag {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: "Segoe UI", Arial, sans-serif;
  font-size: 0.76rem; font-weight: 700; letter-spacing: 2.2px; text-transform: uppercase;
  color: var(--teal-600); background: var(--teal-100);
  padding: 6px 16px; border-radius: 50px; margin-bottom: 16px;
}
.section-tag i { font-size: 0.9rem; }
.section-tag.gold { color: #8a5c00; background: var(--gold-100); }
.section-tag.light { color: #fff; background: rgba(255, 255, 255, 0.14); }
.section-title { font-size: clamp(1.85rem, 3.4vw, 2.7rem); line-height: 1.2; margin-bottom: 14px; }
.section-sub { color: var(--slate); font-size: 1.03rem; max-width: 720px; margin: 0 auto; }
.section-sub.left { margin: 0; }

/* ---------- top bar ---------- */
.topbar {
  background: var(--navy-900); color: rgba(255, 255, 255, 0.82);
  font-size: 0.85rem; padding: 8px 0; border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.topbar a { color: rgba(255, 255, 255, 0.88); }
.topbar a:hover { color: var(--gold-400); }
.topbar-item { display: inline-flex; align-items: center; gap: 7px; margin-right: 20px; }
.topbar-item i { color: var(--teal-400); }
.topbar-social a {
  width: 28px; height: 28px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center;
  background: rgba(255, 255, 255, 0.08); font-size: 0.82rem; margin-left: 6px;
}
.topbar-social a:hover { background: var(--grad-gold); color: var(--navy-900); transform: translateY(-2px); }

/* ---------- header / logo (single line) ---------- */
.site-header { background: rgba(255, 255, 255, 0.97); box-shadow: 0 2px 18px rgba(10, 26, 47, 0.06); transition: var(--transition); z-index: 1050; }
.site-header.stuck { padding: 0; box-shadow: 0 8px 26px rgba(10, 26, 47, 0.13); }
.navbar { padding-top: 14px; padding-bottom: 14px; transition: var(--transition); }
.site-header.stuck .navbar { padding-top: 8px; padding-bottom: 8px; }

.navbar-brand { display: flex; align-items: center; gap: 11px; padding: 0; }
.brand-mark { flex: 0 0 auto; width: 44px; height: 44px; transition: var(--transition); }
.site-header.stuck .brand-mark { width: 38px; height: 38px; }
.brand-text {
  display: inline-flex; align-items: baseline; gap: 0.32em;
  white-space: nowrap; line-height: 1;
  font-size: 1.42rem; font-weight: 700; letter-spacing: 0.2px;
  color: var(--navy-800);
}
.brand-text .b-zone { color: var(--teal-600); font-style: italic; }
.brand-text .b-dot { color: var(--gold-500); font-style: normal; }
.navbar-brand:hover .brand-text { color: var(--teal-600); }
.navbar-brand:hover .brand-text .b-zone { color: var(--gold-500); }
.navbar-brand:hover .brand-mark { transform: rotate(-8deg) scale(1.05); }
.brand-tagline {
  display: block; font-family: "Segoe UI", Arial, sans-serif; font-size: 0.62rem;
  letter-spacing: 2.6px; text-transform: uppercase; color: var(--slate); margin-top: 3px;
}

.navbar-nav .nav-link {
  font-family: "Segoe UI", Arial, sans-serif; font-size: 0.94rem; font-weight: 600;
  color: var(--navy-700); padding: 0.55rem 0.95rem !important; position: relative; letter-spacing: 0.2px;
}
.navbar-nav .nav-link::after {
  content: ""; position: absolute; left: 0.95rem; right: 0.95rem; bottom: 4px; height: 2px;
  background: var(--grad-gold); transform: scaleX(0); transform-origin: left; transition: transform 0.32s ease; border-radius: 2px;
}
.navbar-nav .nav-link:hover::after,
.navbar-nav .nav-link.active::after,
.navbar-nav .nav-item.show .nav-link::after { transform: scaleX(1); }
.navbar-nav .nav-link:hover, .navbar-nav .nav-link.active { color: var(--teal-600); }
.dropdown-menu {
  border: 0; border-radius: var(--radius-sm); box-shadow: var(--shadow-lg); padding: 12px;
  min-width: 268px; border-top: 3px solid var(--teal-500); margin-top: 10px !important;
}
.dropdown-item { border-radius: 10px; padding: 9px 12px; font-size: 0.92rem; font-weight: 600; color: var(--navy-700); display: flex; align-items: center; gap: 10px; }
.dropdown-item i { color: var(--teal-500); font-size: 1rem; }
.dropdown-item:hover, .dropdown-item:focus { background: var(--teal-100); color: var(--teal-600); }
.dropdown-item:hover i { color: var(--gold-500); }
.header-cta { margin-left: 12px; }
.navbar-toggler { border: 0; padding: 6px 8px; }
.navbar-toggler:focus { box-shadow: none; }
.navbar-toggler .bi { font-size: 1.7rem; color: var(--navy-800); }

/* ---------- hero ---------- */
.hero {
  position: relative; color: #fff; overflow: hidden;
  background: var(--grad-dark);
  padding: 110px 0 130px;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background: url("../img/hero-finance.jpg") center 30% / cover no-repeat;
  opacity: 0.30; mix-blend-mode: luminosity;
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 78% 22%, rgba(18, 165, 148, 0.38), transparent 55%),
              radial-gradient(circle at 12% 88%, rgba(240, 180, 41, 0.22), transparent 52%);
}
.hero .container { position: relative; z-index: 3; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 9px; background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.22); padding: 7px 18px; border-radius: 50px;
  font-size: 0.8rem; letter-spacing: 1.8px; text-transform: uppercase; font-weight: 600; margin-bottom: 22px;
}
.hero-eyebrow i { color: var(--gold-400); }
.hero-title { font-size: clamp(2.3rem, 5.2vw, 3.85rem); line-height: 1.12; color: #fff; margin-bottom: 20px; }
.hero-title .accent { color: var(--gold-400); font-style: italic; }
.hero-title .teal { color: var(--teal-400); }
.hero-text { font-size: 1.08rem; color: rgba(255, 255, 255, 0.82); max-width: 560px; margin-bottom: 32px; }
.hero-list { list-style: none; padding: 0; margin: 0 0 30px; }
.hero-list li { display: flex; align-items: center; gap: 10px; color: rgba(255, 255, 255, 0.9); margin-bottom: 9px; font-size: 0.98rem; }
.hero-list i { color: var(--teal-400); font-size: 1.05rem; }

.hero-card {
  background: rgba(255, 255, 255, 0.09); border: 1px solid rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(9px); border-radius: 22px; padding: 26px; box-shadow: 0 30px 70px rgba(0, 0, 0, 0.35);
}
.hero-card h5 { color: #fff; font-size: 1.1rem; margin-bottom: 4px; }
.hero-card .muted { color: rgba(255, 255, 255, 0.66); font-size: 0.86rem; }
.hero-mini { display: flex; align-items: center; gap: 12px; padding: 12px 0; border-bottom: 1px dashed rgba(255, 255, 255, 0.18); }
.hero-mini:last-child { border-bottom: 0; }
.hero-mini .ico {
  width: 42px; height: 42px; flex: 0 0 42px; border-radius: 12px; display: grid; place-items: center;
  background: rgba(255, 255, 255, 0.12); color: var(--gold-400); font-size: 1.15rem;
}
.hero-mini strong { display: block; color: #fff; font-size: 0.95rem; font-family: "Segoe UI", Arial, sans-serif; }
.hero-mini span { color: rgba(255, 255, 255, 0.68); font-size: 0.82rem; }

.hero-wave { position: absolute; left: 0; right: 0; bottom: -1px; z-index: 2; line-height: 0; }
.hero-wave svg { width: 100%; height: 80px; display: block; }

/* ---------- quick stat strip ---------- */
.stat-strip { background: var(--paper); margin-top: -60px; position: relative; z-index: 5; }
.stat-strip-inner {
  background: var(--paper); border-radius: 20px; box-shadow: var(--shadow-lg);
  padding: 26px 18px; border-top: 4px solid var(--teal-500);
}
.stat-mini { text-align: center; padding: 8px 6px; border-right: 1px solid var(--line); }
.stat-mini:last-child { border-right: 0; }
.stat-mini .num { font-size: 1.9rem; font-weight: 700; color: var(--navy-800); line-height: 1; display: block; }
.stat-mini .num .suffix { color: var(--teal-600); }
.stat-mini .lbl { font-size: 0.82rem; color: var(--slate); letter-spacing: 0.6px; text-transform: uppercase; font-weight: 600; }

/* ---------- service cards ---------- */
.service-card {
  background: var(--paper); border-radius: var(--radius); overflow: hidden; height: 100%;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: var(--transition); display: flex; flex-direction: column;
}
.service-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); border-color: transparent; }
.service-media { position: relative; height: 196px; overflow: hidden; }
.service-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s ease; }
.service-card:hover .service-media img { transform: scale(1.09); }
.service-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(6, 18, 31, 0.72) 0%, rgba(6, 18, 31, 0.05) 60%); }
.service-badge {
  position: absolute; z-index: 2; left: 16px; bottom: 14px;
  display: inline-flex; align-items: center; gap: 7px; color: #fff;
  font-size: 0.74rem; letter-spacing: 1.4px; text-transform: uppercase; font-weight: 700;
}
.service-badge i { color: var(--gold-400); font-size: 1rem; }
.service-icon-float {
  position: absolute; z-index: 2; top: 14px; right: 14px; width: 44px; height: 44px; border-radius: 12px;
  display: grid; place-items: center; background: rgba(255, 255, 255, 0.94); color: var(--teal-600);
  font-size: 1.25rem; box-shadow: var(--shadow-sm); transition: var(--transition);
}
.service-card:hover .service-icon-float { background: var(--grad-gold); color: var(--navy-900); transform: rotate(-10deg); }
.service-body { padding: 24px 22px 26px; display: flex; flex-direction: column; flex: 1; }
.service-body h3 { font-size: 1.24rem; margin-bottom: 10px; }
.service-body h3 a { color: var(--navy-800); }
.service-body h3 a:hover { color: var(--teal-600); }
.service-body p { color: var(--slate); font-size: 0.945rem; margin-bottom: 18px; flex: 1; }
.service-tags { list-style: none; padding: 0; margin: 0 0 18px; }
.service-tags li { font-size: 0.845rem; color: var(--navy-700); display: flex; align-items: center; gap: 8px; margin-bottom: 5px; }
.service-tags li i { color: var(--teal-500); font-size: 0.8rem; }
.service-actions { display: flex; align-items: center; justify-content: space-between; gap: 10px; }

/* ---------- about / feature blocks ---------- */
.img-stack { position: relative; padding-bottom: 26px; }
.img-stack .main-img { border-radius: 22px; box-shadow: var(--shadow-lg); width: 100%; object-fit: cover; }
.img-stack .accent-frame {
  position: absolute; right: -18px; bottom: -18px; width: 62%; height: 62%;
  border: 3px solid var(--gold-500); border-radius: 22px; z-index: -1;
}
.img-stack .float-chip {
  position: absolute; left: -14px; bottom: 30px; background: var(--paper); border-radius: 16px;
  box-shadow: var(--shadow-md); padding: 14px 20px; display: flex; align-items: center; gap: 12px; z-index: 3;
}
.float-chip .ico { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--grad-brand); color: #fff; font-size: 1.3rem; }
.float-chip strong { display: block; font-size: 1.15rem; color: var(--navy-800); line-height: 1.1; }
.float-chip span { font-size: 0.78rem; color: var(--slate); text-transform: uppercase; letter-spacing: 0.8px; }

.feature-item { display: flex; gap: 16px; margin-bottom: 26px; }
.feature-item .ico {
  flex: 0 0 56px; width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center;
  background: var(--teal-100); color: var(--teal-600); font-size: 1.4rem; transition: var(--transition);
}
.feature-item:hover .ico { background: var(--grad-brand); color: #fff; transform: translateY(-4px) rotate(-6deg); }
.feature-item h4 { font-size: 1.08rem; margin-bottom: 6px; }
.feature-item p { color: var(--slate); font-size: 0.94rem; margin: 0; }

.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding-left: 32px; margin-bottom: 12px; color: var(--navy-700); font-weight: 500; }
.check-list li::before {
  content: "\F26B"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: 1px;
  width: 22px; height: 22px; border-radius: 50%; background: var(--teal-100); color: var(--teal-600);
  font-size: 0.72rem; display: grid; place-items: center;
}

/* ---------- process / steps ---------- */
.process-section { background: var(--grad-dark); color: #fff; position: relative; overflow: hidden; }
.process-section::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 85% 15%, rgba(31, 200, 176, 0.22), transparent 48%),
              radial-gradient(circle at 8% 90%, rgba(240, 180, 41, 0.16), transparent 45%);
}
.process-section .container { position: relative; z-index: 2; }
.process-section .section-title, .process-section h3, .process-section h4 { color: #fff; }
.step-card {
  background: rgba(255, 255, 255, 0.06); border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius); padding: 30px 24px; height: 100%; position: relative; transition: var(--transition);
}
.step-card:hover { background: rgba(255, 255, 255, 0.11); transform: translateY(-8px); border-color: rgba(31, 200, 176, 0.5); }
.step-num {
  font-family: Georgia, serif; font-size: 2.6rem; font-weight: 700; line-height: 1;
  color: transparent; -webkit-text-stroke: 1.6px rgba(240, 180, 41, 0.85); margin-bottom: 12px; display: block;
}
.step-card .ico { width: 54px; height: 54px; border-radius: 15px; display: grid; place-items: center; background: var(--grad-gold); color: var(--navy-900); font-size: 1.4rem; margin-bottom: 16px; }
.step-card h4 { font-size: 1.12rem; margin-bottom: 8px; }
.step-card p { color: rgba(255, 255, 255, 0.72); font-size: 0.93rem; margin: 0; }

/* ---------- calculator ---------- */
.calc-panel { background: var(--paper); border-radius: 24px; box-shadow: var(--shadow-lg); overflow: hidden; border: 1px solid var(--line); }
.calc-head { background: var(--grad-brand); color: #fff; padding: 22px 28px; }
.calc-head h3 { color: #fff; font-size: 1.3rem; margin: 0; }
.calc-head p { margin: 4px 0 0; color: rgba(255, 255, 255, 0.85); font-size: 0.9rem; }
.calc-body { padding: 28px; }
.calc-label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 6px; }
.calc-label span { font-size: 0.88rem; font-weight: 700; color: var(--navy-700); letter-spacing: 0.4px; }
.calc-label b { color: var(--teal-600); font-size: 1rem; }
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 7px; border-radius: 8px;
  background: linear-gradient(to right, var(--teal-500) 0%, var(--teal-500) 50%, #e3ebf1 50%, #e3ebf1 100%);
  outline: none; margin: 10px 0 22px;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: var(--grad-gold); border: 3px solid #fff; box-shadow: 0 3px 10px rgba(10, 26, 47, 0.3); cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--gold-500);
  border: 3px solid #fff; box-shadow: 0 3px 10px rgba(10, 26, 47, 0.3); cursor: pointer;
}
.calc-result { background: var(--navy-800); border-radius: 18px; padding: 24px; color: #fff; height: 100%; }
.calc-result .emi { font-size: 2.5rem; font-weight: 700; color: var(--gold-400); line-height: 1.1; }
.calc-row { display: flex; justify-content: space-between; padding: 9px 0; border-bottom: 1px dashed rgba(255, 255, 255, 0.18); font-size: 0.92rem; }
.calc-row:last-of-type { border-bottom: 0; }
.calc-row span { color: rgba(255, 255, 255, 0.7); }
.calc-row b { color: #fff; }
.calc-note { font-size: 0.78rem; color: rgba(255, 255, 255, 0.55); margin-top: 12px; }
.calc-bar { display: flex; height: 12px; border-radius: 8px; overflow: hidden; margin-top: 16px; background: rgba(255, 255, 255, 0.14); }
.calc-bar .bar-seg.principal { background: var(--grad-gold); }
.calc-bar .bar-seg.interest { background: rgba(31, 200, 176, 0.75); }

/* ---------- stats band ---------- */
.stats-band {
  background: var(--navy-800) url("../img/cta-band.svg") center / cover no-repeat;
  color: #fff; position: relative; overflow: hidden;
}
.stats-band::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(115deg, rgba(6, 18, 31, 0.94) 0%, rgba(15, 139, 126, 0.78) 100%);
}
.stats-band .container { position: relative; z-index: 2; }
.counter-value { font-size: clamp(2.1rem, 4vw, 3rem); color: var(--gold-400); line-height: 1; display: block; }
.counter-label { font-size: 0.88rem; letter-spacing: 1.4px; text-transform: uppercase; color: rgba(255, 255, 255, 0.85); font-weight: 600; }

/* ---------- testimonials ---------- */
.testimonial-section { background: var(--mist); }
.testi-card {
  background: var(--paper); border-radius: var(--radius); padding: 34px 30px 30px;
  box-shadow: var(--shadow-sm); border: 1px solid var(--line); height: 100%; position: relative;
  transition: var(--transition);
}
.testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-6px); }
.testi-quote { position: absolute; top: 20px; right: 24px; font-size: 3.2rem; color: var(--teal-100); line-height: 1; }
.testi-stars { color: var(--gold-500); margin-bottom: 14px; font-size: 0.95rem; letter-spacing: 2px; }
.testi-text { color: var(--navy-700); font-size: 1rem; font-style: italic; margin-bottom: 22px; position: relative; z-index: 2; }
.testi-person { display: flex; align-items: center; gap: 14px; border-top: 1px solid var(--line); padding-top: 18px; }
.testi-avatar {
  width: 52px; height: 52px; flex: 0 0 52px; border-radius: 50%; display: grid; place-items: center;
  background: var(--grad-brand); color: #fff; font-family: Georgia, serif; font-weight: 700; font-size: 1.15rem;
}
.testi-avatar.gold { background: var(--grad-gold); color: var(--navy-900); }
.testi-avatar.navy { background: var(--navy-700); color: var(--gold-400); }
.testi-name { font-weight: 700; color: var(--navy-800); font-size: 1rem; margin: 0; font-family: "Segoe UI", Arial, sans-serif; }
.testi-loc { font-size: 0.82rem; color: var(--slate); margin: 0; display: flex; align-items: center; gap: 5px; }
.testi-loc i { color: var(--coral); }

.carousel-control-prev, .carousel-control-next {
  width: 46px; height: 46px; border-radius: 50%; background: var(--paper); box-shadow: var(--shadow-md);
  opacity: 1; top: 50%; transform: translateY(-50%); position: absolute; border: 0;
}
.carousel-control-prev { left: -14px; }
.carousel-control-next { right: -14px; }
.carousel-control-prev-icon, .carousel-control-next-icon { width: 16px; height: 16px; filter: none; }
.carousel-control-prev-icon { background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230a1a2f'%3e%3cpath d='M11.354 1.646a.5.5 0 0 1 0 .708L5.707 8l5.647 5.646a.5.5 0 0 1-.708.708l-6-6a.5.5 0 0 1 0-.708l6-6a.5.5 0 0 1 .708 0z'/%3e%3c/svg%3e"); }
.carousel-control-next-icon { background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230a1a2f'%3e%3cpath d='M4.646 1.646a.5.5 0 0 1 .708 0l6 6a.5.5 0 0 1 0 .708l-6 6a.5.5 0 0 1-.708-.708L10.293 8 4.646 2.354a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e"); }
.carousel-indicators { bottom: -46px; }
.carousel-indicators [data-bs-target] { width: 9px; height: 9px; border-radius: 50%; background: #c6d3dd; border: 0; opacity: 1; margin: 0 5px; }
.carousel-indicators .active { background: var(--teal-500); width: 26px; border-radius: 6px; }

/* ---------- blog cards ---------- */
.blog-card {
  background: var(--paper); border-radius: var(--radius); overflow: hidden; height: 100%;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm); transition: var(--transition); display: flex; flex-direction: column;
}
.blog-card:hover { transform: translateY(-9px); box-shadow: var(--shadow-lg); }
.blog-media { position: relative; height: 216px; overflow: hidden; }
.blog-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s ease; }
.blog-card:hover .blog-media img { transform: scale(1.08); }
.blog-cat {
  position: absolute; top: 16px; left: 16px; z-index: 2; background: var(--grad-gold); color: var(--navy-900);
  font-size: 0.72rem; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; padding: 5px 14px; border-radius: 50px;
}
.blog-date {
  position: absolute; bottom: -22px; right: 20px; z-index: 3; background: var(--navy-800); color: #fff;
  border-radius: 14px; padding: 8px 14px; text-align: center; box-shadow: var(--shadow-md); line-height: 1.1;
}
.blog-date b { display: block; font-size: 1.2rem; color: var(--gold-400); font-family: Georgia, serif; }
.blog-date span { font-size: 0.68rem; letter-spacing: 1.2px; text-transform: uppercase; }
.blog-body { padding: 34px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.blog-body h3 { font-size: 1.18rem; line-height: 1.4; margin-bottom: 10px; }
.blog-body h3 a { color: var(--navy-800); }
.blog-body h3 a:hover { color: var(--teal-600); }
.blog-body p { color: var(--slate); font-size: 0.94rem; flex: 1; }
.blog-meta-light { display: flex; gap: 16px; font-size: 0.82rem; color: var(--slate); margin-bottom: 12px; }
.blog-meta-light i { color: var(--teal-500); margin-right: 4px; }

/* ---------- blog single ---------- */
.post-hero { position: relative; background: var(--grad-dark); padding: 78px 0 66px; color: #fff; overflow: hidden; }
.post-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 80% 20%, rgba(31, 200, 176, 0.3), transparent 50%); }
.post-hero .container { position: relative; z-index: 2; }
.post-hero h1 { color: #fff; font-size: clamp(1.7rem, 3.6vw, 2.6rem); line-height: 1.25; }
.post-body { font-size: 1.045rem; color: #2b3d52; }
.post-body p { margin-bottom: 24px; }
.post-body h2 { font-size: 1.55rem; margin: 40px 0 16px; }
.post-body h3 { font-size: 1.25rem; margin: 30px 0 12px; }
.post-body ul { margin: 0 0 24px; padding-left: 0; list-style: none; }
.post-body ul li { position: relative; padding-left: 30px; margin-bottom: 10px; }
.post-body ul li::before {
  content: "\F309"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: 2px; color: var(--teal-500); font-size: 0.95rem;
}
.post-lead { font-size: 1.16rem !important; color: var(--navy-700) !important; font-weight: 500; border-left: 4px solid var(--gold-500); padding-left: 20px; }
.post-figure { margin: 34px 0; }
.post-figure img { border-radius: var(--radius); box-shadow: var(--shadow-md); width: 100%; }
.post-figure figcaption { font-size: 0.85rem; color: var(--slate); margin-top: 10px; text-align: center; font-style: italic; }
.callout {
  background: var(--teal-100); border-left: 5px solid var(--teal-500); border-radius: 0 16px 16px 0;
  padding: 22px 26px; margin: 30px 0; color: var(--navy-700);
}
.callout strong { color: var(--teal-600); }
.callout.gold { background: var(--gold-100); border-left-color: var(--gold-500); }
.callout.gold strong { color: #a06b00; }
.post-tags a {
  display: inline-block; background: var(--mist); color: var(--navy-700); font-size: 0.8rem; font-weight: 600;
  padding: 6px 15px; border-radius: 50px; margin: 0 6px 8px 0; border: 1px solid var(--line);
}
.post-tags a:hover { background: var(--teal-500); color: #fff; border-color: var(--teal-500); }
.author-box { background: var(--mist); border-radius: var(--radius); padding: 26px; display: flex; gap: 18px; align-items: center; }
.author-box .testi-avatar { width: 62px; height: 62px; flex: 0 0 62px; font-size: 1.35rem; }
.share-btn {
  width: 42px; height: 42px; border-radius: 50%; display: inline-grid; place-items: center;
  background: var(--paper); border: 1px solid var(--line); color: var(--navy-700); margin-right: 8px;
}
.share-btn:hover { background: var(--grad-brand); color: #fff; border-color: transparent; transform: translateY(-3px); }
.side-widget { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow-sm); margin-bottom: 26px; }
.side-widget h4 { font-size: 1.1rem; margin-bottom: 18px; padding-bottom: 12px; border-bottom: 2px solid var(--teal-100); }
.side-widget h4 i { color: var(--teal-500); margin-right: 8px; }
.side-list { list-style: none; padding: 0; margin: 0; }
.side-list li { margin-bottom: 10px; }
.side-list a { color: var(--navy-700); font-size: 0.94rem; display: flex; gap: 10px; align-items: flex-start; font-weight: 500; }
.side-list a i { color: var(--gold-500); margin-top: 4px; flex: 0 0 auto; }
.side-list a:hover { color: var(--teal-600); padding-left: 5px; }
.side-cta { background: var(--grad-dark); color: #fff; border-radius: var(--radius); padding: 30px 26px; text-align: center; position: relative; overflow: hidden; }
.side-cta::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 80% 10%, rgba(31, 200, 176, 0.35), transparent 55%); }
.side-cta > * { position: relative; z-index: 2; }
.side-cta h4 { color: #fff; }
.side-cta p { color: rgba(255, 255, 255, 0.76); font-size: 0.93rem; }

/* ---------- page banner ---------- */
.page-banner {
  position: relative; background: var(--grad-dark); color: #fff; padding: 74px 0 82px; overflow: hidden;
}
.page-banner::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 82% 18%, rgba(31, 200, 176, 0.35), transparent 50%),
              radial-gradient(circle at 10% 92%, rgba(240, 180, 41, 0.2), transparent 46%);
}
.page-banner::after {
  content: ""; position: absolute; right: -70px; top: -70px; width: 320px; height: 320px; border-radius: 50%;
  border: 34px solid rgba(255, 255, 255, 0.04);
}
.page-banner .container { position: relative; z-index: 2; }
.page-banner h1 { color: #fff; font-size: clamp(2rem, 4.4vw, 3rem); margin-bottom: 10px; }
.page-banner p { color: rgba(255, 255, 255, 0.78); max-width: 640px; margin: 0 auto; }
.breadcrumb { justify-content: center; margin: 18px 0 0; font-size: 0.88rem; }
.breadcrumb-item a { color: var(--teal-400); }
.breadcrumb-item a:hover { color: var(--gold-400); }
.breadcrumb-item.active { color: rgba(255, 255, 255, 0.65); }
.breadcrumb-item + .breadcrumb-item::before { color: rgba(255, 255, 255, 0.4); }
.banner-wave { position: absolute; bottom: -1px; left: 0; right: 0; line-height: 0; z-index: 3; }
.banner-wave svg { width: 100%; height: 46px; display: block; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--grad-brand); color: #fff; position: relative; overflow: hidden; }
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 88% 20%, rgba(255, 255, 255, 0.18), transparent 45%);
}
.cta-band .container { position: relative; z-index: 2; }
.cta-band h2 { color: #fff; font-size: clamp(1.7rem, 3.3vw, 2.4rem); }
.cta-band p { color: rgba(255, 255, 255, 0.88); }

/* ---------- forms ---------- */
.form-card { background: var(--paper); border-radius: 22px; box-shadow: var(--shadow-md); padding: 34px; border: 1px solid var(--line); }
.form-label { font-size: 0.85rem; font-weight: 700; color: var(--navy-700); letter-spacing: 0.4px; margin-bottom: 6px; }
.form-label .req { color: var(--coral); }
.form-control, .form-select {
  border-radius: 12px; border: 1.5px solid var(--line); padding: 0.72rem 1rem; font-size: 0.95rem;
  color: var(--ink); background: #fbfdfe; transition: var(--transition);
}
.form-control:focus, .form-select:focus {
  border-color: var(--teal-500); box-shadow: 0 0 0 4px rgba(18, 165, 148, 0.13); background: #fff;
}
.form-control.is-invalid, .form-select.is-invalid { border-color: #e05c4b; box-shadow: 0 0 0 4px rgba(224, 92, 75, 0.1); }
.invalid-feedback { font-size: 0.79rem; font-weight: 600; }
textarea.form-control { min-height: 132px; resize: vertical; }
.form-check-input:checked { background-color: var(--teal-500); border-color: var(--teal-500); }
.form-check-input:focus { box-shadow: 0 0 0 4px rgba(18, 165, 148, 0.13); border-color: var(--teal-400); }
.form-check-label { font-size: 0.9rem; color: var(--navy-700); }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

.form-panel { background: var(--navy-800); border-radius: 22px; padding: 34px; color: #fff; height: 100%; position: relative; overflow: hidden; }
.form-panel::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 85% 8%, rgba(31, 200, 176, 0.32), transparent 52%); }
.form-panel > * { position: relative; z-index: 2; }
.form-panel h3, .form-panel h4 { color: #fff; }
.form-panel p { color: rgba(255, 255, 255, 0.76); }
.panel-item { display: flex; gap: 15px; margin-bottom: 22px; align-items: flex-start; }
.panel-item .ico { width: 46px; height: 46px; flex: 0 0 46px; border-radius: 13px; display: grid; place-items: center; background: rgba(255, 255, 255, 0.1); color: var(--gold-400); font-size: 1.2rem; }
.panel-item strong { display: block; color: #fff; font-size: 0.98rem; margin-bottom: 2px; font-family: "Segoe UI", Arial, sans-serif; }
.panel-item a, .panel-item span { color: rgba(255, 255, 255, 0.74); font-size: 0.92rem; }
.panel-item a:hover { color: var(--gold-400); }

.form-success {
  display: none; text-align: center; padding: 30px 20px;
}
.form-success.show { display: block; animation: popIn 0.5s ease both; }
.form-success .tick {
  width: 82px; height: 82px; border-radius: 50%; background: var(--grad-brand); color: #fff;
  display: grid; place-items: center; font-size: 2.3rem; margin: 0 auto 20px; box-shadow: 0 14px 30px rgba(18, 165, 148, 0.34);
}
.form-success h3 { font-size: 1.45rem; margin-bottom: 10px; }
.form-success p { color: var(--slate); margin-bottom: 6px; }
.ref-id {
  display: inline-block; background: var(--gold-100); color: #8a5c00; font-weight: 700; letter-spacing: 1px;
  padding: 8px 18px; border-radius: 50px; font-size: 0.88rem; margin: 12px 0 20px; font-family: "Courier New", monospace;
}
@keyframes popIn { from { opacity: 0; transform: scale(0.9) translateY(12px); } to { opacity: 1; transform: scale(1) translateY(0); } }

/* ---------- newsletter strip ---------- */
.news-strip { background: var(--navy-800); color: #fff; position: relative; overflow: hidden; }
.news-strip::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 15% 20%, rgba(240, 180, 41, 0.2), transparent 45%), radial-gradient(circle at 85% 80%, rgba(31, 200, 176, 0.25), transparent 48%); }
.news-strip .container { position: relative; z-index: 2; }
.news-strip h2, .news-strip h3 { color: #fff; }
.news-strip p { color: rgba(255, 255, 255, 0.75); }
.news-form .form-control { background: rgba(255, 255, 255, 0.96); border: 0; }
.news-perks { list-style: none; padding: 0; margin: 0; }
.news-perks li { display: flex; gap: 10px; align-items: center; color: rgba(255, 255, 255, 0.86); font-size: 0.93rem; margin-bottom: 10px; }
.news-perks i { color: var(--gold-400); }

/* ---------- accordion / FAQ ---------- */
.faq-accordion .accordion-item { border: 1px solid var(--line); border-radius: 14px !important; margin-bottom: 14px; overflow: hidden; background: var(--paper); }
.faq-accordion .accordion-button {
  font-weight: 700; color: var(--navy-800); font-size: 1rem; padding: 18px 22px; background: var(--paper);
  font-family: "Segoe UI", Arial, sans-serif; box-shadow: none;
}
.faq-accordion .accordion-button:not(.collapsed) { background: var(--teal-100); color: var(--teal-600); }
.faq-accordion .accordion-button:focus { box-shadow: none; border-color: var(--line); }
.faq-accordion .accordion-body { color: var(--slate); font-size: 0.96rem; padding: 4px 22px 20px; }

/* ---------- legal pages ---------- */
.legal-nav { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-sm); position: sticky; top: 100px; }
.legal-nav h5 { font-size: 1rem; margin-bottom: 14px; }
.legal-nav a { display: block; color: var(--slate); font-size: 0.89rem; padding: 6px 0 6px 14px; border-left: 2px solid var(--line); }
.legal-nav a:hover { color: var(--teal-600); border-left-color: var(--teal-500); padding-left: 19px; }
.legal-body h2 { font-size: 1.35rem; margin: 38px 0 12px; padding-top: 10px; }
.legal-body h3 { font-size: 1.08rem; margin: 24px 0 8px; color: var(--teal-600); }
.legal-body p, .legal-body li { color: #3c4d61; font-size: 0.98rem; }
.legal-body ul { padding-left: 22px; margin-bottom: 20px; }
.legal-body ul li { margin-bottom: 8px; }
.legal-updated { background: var(--gold-100); border-left: 4px solid var(--gold-500); padding: 14px 20px; border-radius: 0 12px 12px 0; color: #7d5400; font-size: 0.92rem; font-weight: 600; }
.numbered-list { counter-reset: item; list-style: none; padding-left: 0; }
.numbered-list > li { counter-increment: item; position: relative; padding-left: 44px; margin-bottom: 18px; }
.numbered-list > li::before {
  content: counter(item); position: absolute; left: 0; top: 0; width: 30px; height: 30px; border-radius: 9px;
  background: var(--teal-100); color: var(--teal-600); font-weight: 700; display: grid; place-items: center; font-size: 0.88rem;
}

/* ---------- values / team cards ---------- */
.value-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 26px; height: 100%; text-align: center; transition: var(--transition); box-shadow: var(--shadow-sm); }
.value-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }
.value-card .ico { width: 72px; height: 72px; border-radius: 22px; display: grid; place-items: center; margin: 0 auto 18px; font-size: 1.8rem; background: var(--teal-100); color: var(--teal-600); transition: var(--transition); }
.value-card:hover .ico { background: var(--grad-gold); color: var(--navy-900); transform: rotate(-8deg); }
.value-card h4 { font-size: 1.1rem; margin-bottom: 8px; }
.value-card p { color: var(--slate); font-size: 0.92rem; margin: 0; }

.team-card { background: var(--paper); border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--shadow-sm); height: 100%; transition: var(--transition); }
.team-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.team-photo { height: 172px; display: grid; place-items: center; background: var(--grad-dark); position: relative; overflow: hidden; }
.team-photo::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 70% 20%, rgba(31, 200, 176, 0.4), transparent 55%); }
.team-photo .initials {
  position: relative; z-index: 2; width: 92px; height: 92px; border-radius: 50%; display: grid; place-items: center;
  background: rgba(255, 255, 255, 0.1); border: 2px solid rgba(240, 180, 41, 0.6); color: var(--gold-400);
  font-family: Georgia, serif; font-size: 2rem; font-weight: 700;
}
.team-body { padding: 22px; text-align: center; }
.team-body h4 { font-size: 1.08rem; margin-bottom: 2px; }
.team-body .role { color: var(--teal-600); font-size: 0.84rem; font-weight: 700; letter-spacing: 0.8px; text-transform: uppercase; }
.team-body p { color: var(--slate); font-size: 0.9rem; margin: 12px 0 0; }

.timeline { position: relative; padding-left: 34px; }
.timeline::before { content: ""; position: absolute; left: 10px; top: 6px; bottom: 6px; width: 3px; background: linear-gradient(to bottom, var(--teal-500), var(--gold-500)); border-radius: 3px; }
.timeline-item { position: relative; margin-bottom: 30px; }
.timeline-item::before {
  content: ""; position: absolute; left: -30px; top: 5px; width: 15px; height: 15px; border-radius: 50%;
  background: var(--paper); border: 4px solid var(--teal-500); box-shadow: 0 0 0 4px rgba(18, 165, 148, 0.14);
}
.timeline-item .yr { font-family: Georgia, serif; font-weight: 700; color: var(--gold-500); font-size: 1.05rem; }
.timeline-item h4 { font-size: 1.08rem; margin: 2px 0 6px; }
.timeline-item p { color: var(--slate); font-size: 0.94rem; margin: 0; }

/* ---------- contact info ---------- */
.contact-tile { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; height: 100%; box-shadow: var(--shadow-sm); transition: var(--transition); }
.contact-tile:hover { transform: translateY(-7px); box-shadow: var(--shadow-lg); border-color: transparent; }
.contact-tile .ico { width: 58px; height: 58px; border-radius: 17px; display: grid; place-items: center; background: var(--grad-brand); color: #fff; font-size: 1.5rem; margin-bottom: 18px; }
.contact-tile:nth-child(2) .ico, .contact-tile.gold .ico { background: var(--grad-gold); color: var(--navy-900); }
.contact-tile h4 { font-size: 1.08rem; margin-bottom: 8px; }
.contact-tile p, .contact-tile a { color: var(--slate); font-size: 0.95rem; margin: 0; display: block; }
.contact-tile a:hover { color: var(--teal-600); }
.map-frame { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-md); border: 1px solid var(--line); }
.map-frame iframe { display: block; width: 100%; height: 380px; border: 0; filter: grayscale(18%) contrast(1.03); }
.hours-list { list-style: none; padding: 0; margin: 0; }
.hours-list li { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px dashed var(--line); font-size: 0.93rem; color: var(--navy-700); }
.hours-list li:last-child { border-bottom: 0; }
.hours-list li span:last-child { font-weight: 700; color: var(--teal-600); }

/* ---------- footer ---------- */
.site-footer { background: var(--navy-900); color: rgba(255, 255, 255, 0.72); padding: 78px 0 0; position: relative; overflow: hidden; }
.site-footer::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 88% 4%, rgba(15, 139, 126, 0.25), transparent 42%); }
.site-footer .container { position: relative; z-index: 2; }
.site-footer h5 { color: #fff; font-size: 1.06rem; margin-bottom: 22px; position: relative; padding-bottom: 12px; }
.site-footer h5::after { content: ""; position: absolute; left: 0; bottom: 0; width: 40px; height: 3px; border-radius: 3px; background: var(--grad-gold); }
.site-footer p { font-size: 0.93rem; }
.site-footer a { color: rgba(255, 255, 255, 0.72); }
.site-footer a:hover { color: var(--gold-400); padding-left: 4px; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 11px; }
.footer-links a { font-size: 0.92rem; display: inline-flex; align-items: center; gap: 8px; }
.footer-links a i { color: var(--teal-400); font-size: 0.72rem; }
.footer-contact { list-style: none; padding: 0; margin: 0; }
.footer-contact li { display: flex; gap: 13px; margin-bottom: 16px; font-size: 0.93rem; }
.footer-contact li i { color: var(--gold-400); font-size: 1.05rem; margin-top: 4px; flex: 0 0 auto; }
.footer-brand .brand-text { color: #fff; font-size: 1.32rem; }
.footer-brand .brand-text .b-zone { color: var(--teal-400); }
.footer-social a {
  width: 40px; height: 40px; border-radius: 12px; display: inline-grid; place-items: center;
  background: rgba(255, 255, 255, 0.07); color: #fff; margin: 0 8px 8px 0; font-size: 1rem;
}
.footer-social a:hover { background: var(--grad-gold); color: var(--navy-900); transform: translateY(-4px); padding-left: 0; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.1); margin-top: 54px; padding: 22px 0; font-size: 0.87rem; }
.footer-bottom a { color: rgba(255, 255, 255, 0.8); }
.footer-bottom a:hover { color: var(--gold-400); }
.footer-note { background: rgba(255, 255, 255, 0.04); border-left: 3px solid var(--teal-500); padding: 14px 18px; border-radius: 0 10px 10px 0; font-size: 0.82rem; color: rgba(255, 255, 255, 0.6); margin-top: 26px; }

/* ---------- misc ---------- */
.scroll-top {
  position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border-radius: 50%; border: 0;
  background: var(--grad-gold); color: var(--navy-900); font-size: 1.15rem; display: grid; place-items: center;
  box-shadow: var(--shadow-md); opacity: 0; visibility: hidden; transform: translateY(14px); transition: var(--transition); z-index: 1040;
}
.scroll-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.scroll-top:hover { background: var(--navy-800); color: var(--gold-400); transform: translateY(-4px); }

.toast-stack { position: fixed; top: 90px; right: 20px; z-index: 1090; display: flex; flex-direction: column; gap: 12px; max-width: 360px; }
.fvz-toast {
  background: var(--paper); border-radius: 16px; box-shadow: var(--shadow-lg); padding: 16px 18px;
  display: flex; gap: 13px; align-items: flex-start; border-left: 5px solid var(--teal-500);
  animation: slideIn 0.4s ease both; font-size: 0.92rem; color: var(--navy-700);
}
.fvz-toast.error { border-left-color: var(--coral); }
.fvz-toast.gold { border-left-color: var(--gold-500); }
.fvz-toast .ico { width: 34px; height: 34px; flex: 0 0 34px; border-radius: 10px; display: grid; place-items: center; background: var(--teal-100); color: var(--teal-600); }
.fvz-toast.error .ico { background: #fdeae7; color: var(--coral); }
.fvz-toast.gold .ico { background: var(--gold-100); color: #a06b00; }
.fvz-toast strong { display: block; margin-bottom: 2px; color: var(--navy-800); }
.fvz-toast .close-x { margin-left: auto; background: none; border: 0; color: var(--slate); font-size: 1rem; line-height: 1; }
@keyframes slideIn { from { opacity: 0; transform: translateX(40px); } to { opacity: 1; transform: translateX(0); } }

.reveal { opacity: 0; transform: translateY(34px); transition: opacity 0.75s ease, transform 0.75s cubic-bezier(0.22, 0.61, 0.36, 1); }
.reveal.in-view { opacity: 1; transform: none; }
.d-1 { transition-delay: 0.08s; } .d-2 { transition-delay: 0.16s; } .d-3 { transition-delay: 0.24s; }
.d-4 { transition-delay: 0.32s; } .d-5 { transition-delay: 0.4s; } .d-6 { transition-delay: 0.48s; }

.badge-pill { background: var(--teal-100); color: var(--teal-600); font-size: 0.76rem; font-weight: 700; letter-spacing: 0.8px; padding: 6px 14px; border-radius: 50px; text-transform: uppercase; }
.badge-pill.gold { background: var(--gold-100); color: #8a5c00; }
.info-strip { background: var(--teal-100); border-radius: 16px; padding: 20px 24px; color: var(--navy-700); font-size: 0.94rem; }
.info-strip i { color: var(--teal-600); }

/* service detail page */
.svc-hero-icon { width: 84px; height: 84px; border-radius: 24px; display: grid; place-items: center; background: var(--grad-gold); color: var(--navy-900); font-size: 2.1rem; box-shadow: var(--shadow-md); }
.svc-detail-img { border-radius: var(--radius); box-shadow: var(--shadow-lg); width: 100%; }
.benefit-row { display: flex; gap: 15px; margin-bottom: 20px; align-items: flex-start; }
.benefit-row .ico { flex: 0 0 44px; width: 44px; height: 44px; border-radius: 13px; display: grid; place-items: center; background: var(--teal-100); color: var(--teal-600); font-size: 1.15rem; }
.benefit-row h5 { font-size: 1rem; margin-bottom: 4px; }
.benefit-row p { color: var(--slate); font-size: 0.92rem; margin: 0; }
.eligibility-table { width: 100%; border-collapse: separate; border-spacing: 0; }
.eligibility-table th, .eligibility-table td { padding: 13px 16px; font-size: 0.93rem; border-bottom: 1px solid var(--line); }
.eligibility-table thead th { background: var(--navy-800); color: #fff; font-family: "Segoe UI", Arial, sans-serif; font-weight: 700; letter-spacing: 0.4px; }
.eligibility-table thead th:first-child { border-radius: 12px 0 0 0; }
.eligibility-table thead th:last-child { border-radius: 0 12px 0 0; }
.eligibility-table tbody tr:nth-child(even) { background: var(--mist); }
.eligibility-table td:first-child { font-weight: 700; color: var(--navy-700); width: 42%; }

/* ---------- responsive ---------- */
@media (max-width: 1199.98px) {
  .brand-text { font-size: 1.26rem; }
  .navbar-nav .nav-link { padding: 0.55rem 0.7rem !important; }
}
@media (max-width: 991.98px) {
  .section { padding: 68px 0; }
  .brand-text { font-size: 1.18rem; }
  .brand-tagline { display: none; }
  .navbar-collapse { background: var(--paper); border-radius: 16px; padding: 14px; margin-top: 14px; box-shadow: var(--shadow-md); border: 1px solid var(--line); }
  .navbar-nav .nav-link::after { display: none; }
  .header-cta { margin: 12px 0 4px; width: 100%; }
  .dropdown-menu { box-shadow: none; border: 1px solid var(--line); margin-top: 4px !important; }
  .hero { padding: 82px 0 116px; }
  .hero-card { margin-top: 42px; }
  .stat-strip { margin-top: -46px; }
  .stat-mini { border-right: 0; border-bottom: 1px solid var(--line); }
  .stat-mini:last-child { border-bottom: 0; }
  .img-stack .accent-frame { display: none; }
  .carousel-control-prev { left: -6px; } .carousel-control-next { right: -6px; }
  .legal-nav { position: static; margin-bottom: 30px; }
  .topbar-item { margin-right: 14px; font-size: 0.8rem; }
}
@media (max-width: 767.98px) {
  .topbar .topbar-social { display: none; }
  .topbar-item.hide-sm { display: none; }
  .brand-text { font-size: 1.08rem; }
  .brand-mark { width: 38px; height: 38px; }
  .form-card, .form-panel { padding: 26px 22px; }
  .btn-lg { padding: 0.8rem 1.6rem; font-size: 0.98rem; }
  .toast-stack { right: 12px; left: 12px; max-width: none; top: 78px; }
  .hero-title { font-size: 2.1rem; }
  .author-box { flex-direction: column; text-align: center; }
}