/* ==========================================================================
   Finance Advisor Option  |  financeadvisoroption.com
   Main stylesheet  -  css/style.css
   Palette : Deep Navy + Teal + Gold + Coral accent
   ========================================================================== */

/* ---------- 1. Design tokens ---------- */
:root {
  --navy-900: #071a33;
  --navy-800: #0b2545;
  --navy-700: #123258;
  --navy-600: #1b4474;
  --teal-600: #0e8f8a;
  --teal-500: #12b3a8;
  --teal-300: #6fe3d9;
  --gold-500: #f2a516;
  --gold-400: #ffc247;
  --coral-500: #ff6b57;
  --violet-500: #6c5ce7;
  --sky-500: #2f9df4;
  --ink: #16233a;
  --muted: #61708a;
  --line: #e6ecf5;
  --bg-soft: #f5f8fd;
  --bg-mint: #eefbf8;
  --bg-cream: #fff9ec;
  --white: #ffffff;

  --grad-brand: linear-gradient(120deg, var(--navy-800) 0%, var(--teal-600) 100%);
  --grad-gold: linear-gradient(120deg, var(--gold-500) 0%, var(--gold-400) 100%);
  --grad-teal: linear-gradient(120deg, var(--teal-500) 0%, var(--teal-300) 100%);
  --shadow-sm: 0 6px 18px rgba(11, 37, 69, .07);
  --shadow-md: 0 16px 40px rgba(11, 37, 69, .12);
  --shadow-lg: 0 26px 60px rgba(11, 37, 69, .18);
  --radius: 18px;
  --radius-sm: 12px;
  --radius-lg: 28px;
  --ease: cubic-bezier(.22, .68, .35, 1);
}

/* ---------- 2. Base ---------- */
* { -webkit-tap-highlight-color: transparent; }

html { scroll-behavior: smooth; scroll-padding-top: 110px; }

body {
  font-family: 'Manrope', system-ui, -apple-system, 'Segoe UI', sans-serif;
  font-size: 16.5px;
  line-height: 1.75;
  color: var(--ink);
  background: var(--white);
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6, .font-heading {
  font-family: 'Sora', 'Manrope', sans-serif;
  color: var(--navy-800);
  font-weight: 700;
  line-height: 1.22;
  letter-spacing: -.015em;
}

a { text-decoration: none; transition: all .3s var(--ease); }
img { max-width: 100%; }
p { color: var(--muted); }

::selection { background: var(--teal-500); color: #fff; }

section { padding: 92px 0; position: relative; }
.section-sm { padding: 64px 0; }

/* scrollbar */
::-webkit-scrollbar { width: 10px; }
::-webkit-scrollbar-track { background: #eef2f8; }
::-webkit-scrollbar-thumb { background: linear-gradient(var(--navy-700), var(--teal-600)); border-radius: 20px; }

/* ---------- 3. Utilities ---------- */
.text-brand { color: var(--teal-600) !important; }
.text-gold { color: var(--gold-500) !important; }
.text-navy { color: var(--navy-800) !important; }
.text-coral { color: var(--coral-500) !important; }
.bg-soft { background: var(--bg-soft); }
.bg-mint { background: var(--bg-mint); }
.bg-cream { background: var(--bg-cream); }
.bg-navy { background: var(--navy-800); }
.bg-navy-deep { background: var(--navy-900); }
.bg-brand-grad { background: var(--grad-brand); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-family: 'Sora', sans-serif;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--teal-600);
  background: rgba(18, 179, 168, .1);
  border: 1px solid rgba(18, 179, 168, .22);
  padding: 7px 16px;
  border-radius: 50px;
  margin-bottom: 18px;
}
.eyebrow i { font-size: 14px; }
.eyebrow.on-dark {
  color: var(--teal-300);
  background: rgba(111, 227, 217, .12);
  border-color: rgba(111, 227, 217, .3);
}

.section-title { font-size: clamp(1.85rem, 3.4vw, 2.7rem); margin-bottom: 16px; }
.section-title span { color: var(--teal-600); position: relative; }
.section-lead { max-width: 660px; font-size: 1.03rem; }
.center-head { text-align: center; }
.center-head .section-lead { margin-inline: auto; }

.title-bar { width: 74px; height: 5px; border-radius: 6px; background: var(--grad-gold); margin: 18px 0 22px; }
.center-head .title-bar { margin-inline: auto; }

/* Buttons */
.btn {
  font-family: 'Sora', sans-serif;
  font-weight: 600;
  font-size: 15px;
  letter-spacing: .01em;
  border-radius: 50px;
  padding: 13px 30px;
  border: 2px solid transparent;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  transition: all .35s var(--ease);
  position: relative;
  overflow: hidden;
}
.btn i { font-size: 17px; transition: transform .35s var(--ease); }
.btn:hover i.bi-arrow-right, .btn:hover i.bi-send { transform: translateX(5px); }

.btn-primary-fao { background: var(--grad-gold); color: var(--navy-900); box-shadow: 0 12px 26px rgba(242, 165, 22, .32); }
.btn-primary-fao:hover { background: var(--gold-400); color: var(--navy-900); transform: translateY(-3px); box-shadow: 0 18px 34px rgba(242, 165, 22, .42); }

.btn-teal { background: var(--grad-teal); color: #04322f; box-shadow: 0 12px 26px rgba(18, 179, 168, .3); }
.btn-teal:hover { background: var(--teal-500); color: #fff; transform: translateY(-3px); box-shadow: 0 18px 34px rgba(18, 179, 168, .42); }

.btn-navy { background: var(--navy-800); color: #fff; box-shadow: 0 12px 26px rgba(11, 37, 69, .26); }
.btn-navy:hover { background: var(--teal-600); color: #fff; transform: translateY(-3px); }

.btn-ghost { background: transparent; color: var(--navy-800); border-color: rgba(11, 37, 69, .18); }
.btn-ghost:hover { background: var(--navy-800); border-color: var(--navy-800); color: #fff; transform: translateY(-3px); }

.btn-ghost-light { background: rgba(255, 255, 255, .08); color: #fff; border-color: rgba(255, 255, 255, .35); backdrop-filter: blur(6px); }
.btn-ghost-light:hover { background: #fff; color: var(--navy-800); border-color: #fff; transform: translateY(-3px); }

.btn-sm-fao { padding: 10px 22px; font-size: 14px; }
.btn-lg-fao { padding: 16px 38px; font-size: 16px; }

/* ---------- 4. Preloader ---------- */
#preloader {
  position: fixed; inset: 0; z-index: 9999;
  background: var(--navy-900);
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 22px;
  transition: opacity .6s ease, visibility .6s ease;
}
#preloader.loaded { opacity: 0; visibility: hidden; }
.loader-ring {
  width: 62px; height: 62px; border-radius: 50%;
  border: 4px solid rgba(255, 255, 255, .12);
  border-top-color: var(--teal-500); border-right-color: var(--gold-400);
  animation: spin 1s linear infinite;
}
.loader-text { font-family: 'Sora', sans-serif; color: #cfe0f2; letter-spacing: .22em; font-size: 12px; text-transform: uppercase; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- 5. Top bar ---------- */
.topbar {
  background: var(--navy-900);
  color: #b9cbe2;
  font-size: 13.5px;
  padding: 9px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .06);
}
.topbar a { color: #b9cbe2; }
.topbar a:hover { color: var(--gold-400); }
.topbar-item { display: inline-flex; align-items: center; gap: 8px; margin-right: 22px; }
.topbar-item i { color: var(--teal-300); font-size: 15px; }
.topbar-social a {
  width: 30px; height: 30px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  background: rgba(255, 255, 255, .07); margin-left: 7px; font-size: 13px;
}
.topbar-social a:hover { background: var(--teal-500); color: #fff; transform: translateY(-2px); }

/* ---------- 6. Navbar ---------- */
.site-header { position: sticky; top: 0; z-index: 1030; transition: all .35s var(--ease); }
.navbar-fao {
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(14px);
  box-shadow: 0 2px 0 rgba(11, 37, 69, .05);
  padding: 12px 0;
  transition: all .35s var(--ease);
}
.site-header.scrolled .navbar-fao { padding: 7px 0; box-shadow: var(--shadow-sm); }

.brand-logo { display: flex; align-items: center; gap: 12px; }
.brand-mark {
  width: 46px; height: 46px; flex: 0 0 46px; border-radius: 14px;
  background: var(--grad-brand);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 20px rgba(11, 37, 69, .25);
  position: relative; overflow: hidden;
}
.brand-mark::after {
  content: ''; position: absolute; width: 40px; height: 40px; border-radius: 50%;
  background: rgba(255, 255, 255, .12); top: -18px; right: -14px;
}
.brand-mark svg { width: 26px; height: 26px; position: relative; z-index: 2; }
.brand-text { line-height: 1.1; }
.brand-text .b-name {
  font-family: 'Sora', sans-serif; font-weight: 800; font-size: 18.5px;
  color: var(--navy-800); display: block; letter-spacing: -.02em;
}
.brand-text .b-name em { font-style: normal; color: var(--teal-600); }
.brand-text .b-tag { font-size: 10.5px; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); font-weight: 600; }

.navbar-fao .nav-link {
  font-family: 'Sora', sans-serif;
  font-weight: 600; font-size: 14.8px; color: var(--navy-800) !important;
  padding: 9px 15px !important; border-radius: 8px; position: relative;
}
.navbar-fao .nav-link::after {
  content: ''; position: absolute; left: 15px; right: 15px; bottom: 4px; height: 2.5px;
  border-radius: 4px; background: var(--grad-gold); transform: scaleX(0); transform-origin: left;
  transition: transform .35s var(--ease);
}
.navbar-fao .nav-link:hover::after,
.navbar-fao .nav-link.active::after { transform: scaleX(1); }
.navbar-fao .nav-link.active { color: var(--teal-600) !important; }
.navbar-fao .nav-link:hover { color: var(--teal-600) !important; }

.dropdown-menu-fao {
  border: 1px solid var(--line); border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md); padding: 10px; min-width: 268px; margin-top: 10px !important;
}
.dropdown-menu-fao .dropdown-item {
  border-radius: 10px; padding: 10px 14px; font-weight: 600; font-size: 14.5px; color: var(--ink);
  display: flex; align-items: center; gap: 11px;
}
.dropdown-menu-fao .dropdown-item i { color: var(--teal-600); font-size: 17px; width: 20px; }
.dropdown-menu-fao .dropdown-item:hover,
.dropdown-menu-fao .dropdown-item.active { background: var(--bg-mint); color: var(--teal-600); }

.nav-cta { margin-left: 10px; }
.navbar-toggler {
  border: 1px solid rgba(11, 37, 69, .18); padding: 7px 11px; border-radius: 10px;
}
.navbar-toggler:focus { box-shadow: none; }
.navbar-toggler .bi { font-size: 24px; color: var(--navy-800); }

/* ---------- 7. Hero ---------- */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex; align-items: center;
  background: var(--navy-900);
  overflow: hidden;
  padding: 90px 0;
}
.hero-media { position: absolute; inset: 0; }
.hero-media img { width: 100%; height: 100%; object-fit: cover; opacity: .55; }
.hero-media::after {
  content: ''; position: absolute; inset: 0;
  background:
    linear-gradient(100deg, rgba(7, 26, 51, .97) 8%, rgba(7, 26, 51, .82) 42%, rgba(7, 26, 51, .45) 78%, rgba(14, 143, 138, .35) 100%);
}
.hero-inner { position: relative; z-index: 3; }
.hero h1 {
  color: #fff; font-weight: 800;
  font-size: clamp(2.25rem, 5vw, 3.75rem); line-height: 1.12; margin-bottom: 20px;
}
.hero h1 .hl {
  background: var(--grad-gold); -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero p.lead-hero { color: #cfdcec; font-size: 1.09rem; max-width: 560px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 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);
  color: #e8f1fb; font-size: 13px; font-weight: 600; padding: 8px 15px; border-radius: 50px;
  backdrop-filter: blur(6px);
}
.hero-badge i { color: var(--gold-400); }

/* floating hero card */
.hero-float-card {
  background: rgba(255, 255, 255, .97);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 26px;
  border: 1px solid rgba(255, 255, 255, .6);
}
.hfc-row { display: flex; align-items: center; gap: 14px; padding: 13px 0; border-bottom: 1px dashed var(--line); }
.hfc-row:last-child { border-bottom: 0; }
.hfc-ico {
  width: 44px; height: 44px; flex: 0 0 44px; border-radius: 13px;
  display: flex; align-items: center; justify-content: center; font-size: 20px; color: #fff;
}
.hfc-row h6 { font-size: 15px; margin: 0; }
.hfc-row small { color: var(--muted); font-size: 12.8px; }

.hero-shape {
  position: absolute; border-radius: 50%; filter: blur(70px); opacity: .55; z-index: 2; pointer-events: none;
}
.shape-1 { width: 380px; height: 380px; background: var(--teal-500); top: -120px; right: -80px; }
.shape-2 { width: 300px; height: 300px; background: var(--gold-500); bottom: -140px; left: -60px; opacity: .3; }

.scroll-hint {
  position: absolute; bottom: 26px; left: 50%; transform: translateX(-50%); z-index: 5;
  color: #cfdcec; font-size: 12px; letter-spacing: .2em; text-transform: uppercase; font-weight: 600;
  display: flex; flex-direction: column; align-items: center; gap: 8px;
}
.scroll-hint .mouse {
  width: 24px; height: 38px; border: 2px solid rgba(255, 255, 255, .5); border-radius: 14px; position: relative;
}
.scroll-hint .mouse::after {
  content: ''; position: absolute; width: 4px; height: 8px; background: var(--gold-400);
  border-radius: 4px; left: 50%; top: 7px; transform: translateX(-50%); animation: mouseMove 1.7s infinite;
}
@keyframes mouseMove { 0% { opacity: 1; top: 7px; } 70% { opacity: 0; top: 20px; } 100% { opacity: 0; } }

/* ---------- 8. Inner page banner ---------- */
.page-banner {
  position: relative; padding: 88px 0 78px;
  background: var(--grad-brand); overflow: hidden;
}
.page-banner::before, .page-banner::after {
  content: ''; position: absolute; border-radius: 50%; filter: blur(60px);
}
.page-banner::before { width: 340px; height: 340px; background: rgba(18, 179, 168, .5); top: -140px; right: 8%; }
.page-banner::after { width: 260px; height: 260px; background: rgba(242, 165, 22, .35); bottom: -130px; left: 5%; }
.page-banner .banner-grid {
  position: absolute; inset: 0; opacity: .16;
  background-image: linear-gradient(rgba(255,255,255,.4) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.4) 1px, transparent 1px);
  background-size: 54px 54px;
}
.page-banner .container { position: relative; z-index: 2; }
.page-banner h1 { color: #fff; font-size: clamp(1.9rem, 4vw, 2.9rem); margin-bottom: 10px; }
.page-banner p { color: #cfe0f2; max-width: 640px; margin-bottom: 0; }
.banner-icon {
  width: 78px; height: 78px; border-radius: 22px; background: rgba(255, 255, 255, .12);
  border: 1px solid rgba(255, 255, 255, .25); display: flex; align-items: center; justify-content: center;
  font-size: 34px; color: var(--gold-400); margin-bottom: 20px; backdrop-filter: blur(6px);
}

.breadcrumb-fao { --bs-breadcrumb-divider-color: rgba(255,255,255,.5); margin: 0; font-size: 14px; }
.breadcrumb-fao a { color: var(--teal-300); font-weight: 600; }
.breadcrumb-fao a:hover { color: var(--gold-400); }
.breadcrumb-fao .breadcrumb-item.active { color: #fff; font-weight: 600; }

/* ---------- 9. Stats ---------- */
.stats-strip { margin-top: -66px; position: relative; z-index: 20; }
.stats-card {
  background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-md);
  padding: 34px 22px; border: 1px solid var(--line);
}
.stat-item { text-align: center; padding: 8px 10px; position: relative; }
.stat-item:not(:last-child)::after {
  content: ''; position: absolute; right: 0; top: 18%; height: 64%; width: 1px; background: var(--line);
}
.stat-ico {
  width: 56px; height: 56px; border-radius: 17px; margin: 0 auto 14px;
  display: flex; align-items: center; justify-content: center; font-size: 25px; color: #fff;
}
.stat-num {
  font-family: 'Sora', sans-serif; font-weight: 800; font-size: 2.35rem; color: var(--navy-800);
  line-height: 1; display: block;
}
.stat-label { color: var(--muted); font-size: 14px; font-weight: 600; margin-top: 7px; display: block; }

/* ---------- 10. Generic cards / features ---------- */
.feature-item { display: flex; gap: 16px; margin-bottom: 22px; }
.feature-ico {
  width: 54px; height: 54px; flex: 0 0 54px; border-radius: 16px;
  display: flex; align-items: center; justify-content: center; font-size: 24px; color: #fff;
  box-shadow: var(--shadow-sm);
}
.feature-item h5 { font-size: 1.03rem; margin-bottom: 6px; }
.feature-item p { font-size: 14.6px; margin: 0; }

.ico-teal { background: linear-gradient(135deg, var(--teal-500), var(--teal-600)); }
.ico-gold { background: linear-gradient(135deg, var(--gold-400), var(--gold-500)); }
.ico-navy { background: linear-gradient(135deg, var(--navy-700), var(--navy-800)); }
.ico-coral { background: linear-gradient(135deg, #ff8b78, var(--coral-500)); }
.ico-violet { background: linear-gradient(135deg, #8f82f0, var(--violet-500)); }
.ico-sky { background: linear-gradient(135deg, #5cb6f7, var(--sky-500)); }

.tint-teal { background: rgba(18, 179, 168, .12); color: var(--teal-600); }
.tint-gold { background: rgba(242, 165, 22, .14); color: #c07d06; }
.tint-navy { background: rgba(11, 37, 69, .1); color: var(--navy-700); }
.tint-coral { background: rgba(255, 107, 87, .13); color: #d94b36; }
.tint-violet { background: rgba(108, 92, 231, .12); color: var(--violet-500); }
.tint-sky { background: rgba(47, 157, 244, .12); color: #1c7ecf; }

.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding-left: 32px; margin-bottom: 12px; color: var(--ink); font-size: 15.3px; font-weight: 500; }
.check-list li::before {
  content: '\F26E'; font-family: 'bootstrap-icons';
  position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--bg-mint); color: var(--teal-600); font-size: 13px;
  display: flex; align-items: center; justify-content: center;
}
.check-list.on-dark li { color: #dbe7f5; }
.check-list.on-dark li::before { background: rgba(111, 227, 217, .16); color: var(--teal-300); }

/* Image frame */
.img-frame { position: relative; }
.img-frame img {
  border-radius: var(--radius-lg); box-shadow: var(--shadow-md); width: 100%; object-fit: cover;
}
.img-frame::before {
  content: ''; position: absolute; inset: -14px 14px 14px -14px;
  border: 3px solid rgba(18, 179, 168, .25); border-radius: var(--radius-lg); z-index: -1;
}
.experience-badge {
  position: absolute; bottom: -22px; right: -10px; z-index: 4;
  background: var(--grad-gold); color: var(--navy-900); border-radius: var(--radius);
  padding: 18px 24px; box-shadow: var(--shadow-md); text-align: center;
}
.experience-badge strong { font-family: 'Sora', sans-serif; font-size: 2rem; display: block; line-height: 1; font-weight: 800; }
.experience-badge span { font-size: 12.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }

.mini-float-card {
  position: absolute; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-md);
  padding: 14px 18px; display: flex; align-items: center; gap: 12px; z-index: 4;
}
.mini-float-card .bi { font-size: 22px; }
.mini-float-card strong { display: block; font-family: 'Sora', sans-serif; font-size: 15px; color: var(--navy-800); }
.mini-float-card small { color: var(--muted); font-size: 12px; }
.mfc-top { top: 24px; left: -18px; animation: floaty 4.5s ease-in-out infinite; }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* ---------- 11. Service cards ---------- */
.service-card {
  background: #fff; border-radius: var(--radius); overflow: hidden; height: 100%;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: all .45s var(--ease); display: flex; flex-direction: column; position: relative;
}
.service-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-lg); border-color: transparent; }
.service-thumb { position: relative; height: 218px; overflow: hidden; }
.service-thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); }
.service-card:hover .service-thumb img { transform: scale(1.09); }
.service-thumb::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(7, 26, 51, .78) 0%, rgba(7, 26, 51, .05) 62%);
}
.service-ico {
  position: absolute; z-index: 3; left: 22px; bottom: -26px;
  width: 56px; height: 56px; border-radius: 17px; color: #fff; font-size: 25px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md); border: 3px solid #fff;
}
.service-tag {
  position: absolute; z-index: 3; top: 16px; right: 16px;
  background: rgba(255, 255, 255, .92); color: var(--navy-800);
  font-size: 11.5px; font-weight: 700; letter-spacing: .07em; text-transform: uppercase;
  padding: 6px 12px; border-radius: 50px;
}
.service-body { padding: 38px 24px 26px; flex: 1 1 auto; display: flex; flex-direction: column; }
.service-body h3 { font-size: 1.18rem; margin-bottom: 10px; }
.service-body h3 a { color: var(--navy-800); }
.service-card:hover .service-body h3 a { color: var(--teal-600); }
.service-body p { font-size: 14.7px; margin-bottom: 18px; flex: 1 1 auto; }
.service-meta { display: flex; gap: 16px; margin-bottom: 18px; flex-wrap: wrap; }
.service-meta span { font-size: 12.6px; font-weight: 600; color: var(--muted); display: inline-flex; align-items: center; gap: 6px; }
.service-meta i { color: var(--teal-500); }
.service-foot { display: flex; align-items: center; justify-content: space-between; gap: 12px; border-top: 1px dashed var(--line); padding-top: 18px; }
.service-foot .btn { padding: 9px 20px; font-size: 13.6px; }
.service-link-more { font-weight: 700; font-size: 13.6px; color: var(--navy-800); font-family: 'Sora', sans-serif; white-space: nowrap; }
.service-link-more:hover { color: var(--teal-600); }

/* ---------- 12. Process ---------- */
.process-step { text-align: center; padding: 26px 18px; position: relative; }
.process-num {
  width: 76px; height: 76px; margin: 0 auto 20px; border-radius: 24px; position: relative;
  background: #fff; box-shadow: var(--shadow-sm); border: 1px solid var(--line);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Sora', sans-serif; font-weight: 800; font-size: 1.5rem; color: var(--navy-800);
  transition: all .4s var(--ease);
}
.process-num i { font-size: 30px; background: var(--grad-teal); -webkit-background-clip: text; background-clip: text; color: transparent; }
.process-step:hover .process-num { transform: translateY(-7px) rotate(-4deg); box-shadow: var(--shadow-md); background: var(--grad-brand); }
.process-step:hover .process-num i { -webkit-text-fill-color: #fff; background: none; color: #fff; }
.process-badge {
  position: absolute; top: 18px; right: calc(50% - 52px);
  background: var(--grad-gold); color: var(--navy-900); width: 26px; height: 26px; border-radius: 50%;
  font-size: 12.5px; font-weight: 800; display: flex; align-items: center; justify-content: center; font-family: 'Sora', sans-serif;
}
.process-step h5 { font-size: 1.05rem; margin-bottom: 8px; }
.process-step p { font-size: 14.3px; margin: 0; }

/* ---------- 13. Why choose (dark) ---------- */
.why-section { background: var(--navy-900); position: relative; overflow: hidden; }
.why-section::before {
  content: ''; position: absolute; inset: 0; opacity: .1;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.55) 1px, transparent 0);
  background-size: 26px 26px;
}
.why-section .container { position: relative; z-index: 2; }
.why-section h2 { color: #fff; }
.why-section p { color: #b9cbe2; }
.why-card {
  background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .1);
  border-radius: var(--radius); padding: 26px 22px; height: 100%;
  transition: all .4s var(--ease);
}
.why-card:hover { background: rgba(255, 255, 255, .09); transform: translateY(-8px); border-color: rgba(111, 227, 217, .35); }
.why-card .feature-ico { width: 52px; height: 52px; flex: 0 0 52px; border-radius: 15px; margin-bottom: 16px; }
.why-card h5 { color: #fff; font-size: 1.03rem; margin-bottom: 8px; }
.why-card p { font-size: 14.2px; margin: 0; color: #a9bdd6; }

/* ---------- 14. Testimonials ---------- */
.testimonial-section { background: linear-gradient(180deg, #fff 0%, var(--bg-soft) 100%); }
.testimonial-card {
  background: #fff; border-radius: var(--radius); padding: 32px 28px; height: 100%;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm); position: relative;
  transition: all .4s var(--ease);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-6px); }
.testimonial-card .quote-ico {
  position: absolute; top: 22px; right: 24px; font-size: 44px; color: rgba(18, 179, 168, .13); line-height: 1;
}
.t-rating { color: var(--gold-500); font-size: 14.5px; letter-spacing: 2px; margin-bottom: 14px; }
.t-text { font-size: 15.3px; color: var(--ink); font-weight: 500; margin-bottom: 22px; line-height: 1.72; }
.t-person { display: flex; align-items: center; gap: 14px; border-top: 1px solid var(--line); padding-top: 18px; }
.t-avatar {
  width: 50px; height: 50px; flex: 0 0 50px; border-radius: 50%; color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Sora', sans-serif; font-weight: 700; font-size: 17px;
}
.t-person h6 { margin: 0; font-size: 15.4px; }
.t-person .t-loc { font-size: 12.6px; color: var(--muted); display: flex; align-items: center; gap: 5px; }

/* ---------- 15. Blog cards ---------- */
.blog-card {
  background: #fff; border-radius: var(--radius); overflow: hidden; height: 100%;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm); transition: all .45s var(--ease);
  display: flex; flex-direction: column;
}
.blog-card:hover { transform: translateY(-9px); box-shadow: var(--shadow-lg); }
.blog-thumb { position: relative; height: 216px; overflow: hidden; }
.blog-thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); }
.blog-card:hover .blog-thumb img { transform: scale(1.08); }
.blog-cat {
  position: absolute; top: 16px; left: 16px; z-index: 2;
  background: var(--grad-teal); color: #04322f; font-size: 11.5px; font-weight: 700;
  letter-spacing: .07em; text-transform: uppercase; padding: 6px 13px; border-radius: 50px;
}
.blog-date {
  position: absolute; bottom: 16px; right: 16px; z-index: 2; background: rgba(7, 26, 51, .85);
  color: #fff; border-radius: 12px; padding: 7px 12px; text-align: center; line-height: 1.15; backdrop-filter: blur(4px);
}
.blog-date strong { display: block; font-family: 'Sora', sans-serif; font-size: 17px; }
.blog-date span { font-size: 10.5px; text-transform: uppercase; letter-spacing: .1em; color: var(--teal-300); }
.blog-body { padding: 24px; flex: 1 1 auto; display: flex; flex-direction: column; }
.blog-meta { display: flex; gap: 15px; flex-wrap: wrap; margin-bottom: 11px; }
.blog-meta span { font-size: 12.6px; color: var(--muted); font-weight: 600; display: inline-flex; align-items: center; gap: 6px; }
.blog-meta i { color: var(--gold-500); }
.blog-body h3 { font-size: 1.15rem; margin-bottom: 11px; line-height: 1.4; }
.blog-body h3 a { color: var(--navy-800); }
.blog-card:hover .blog-body h3 a { color: var(--teal-600); }
.blog-body p { font-size: 14.6px; flex: 1 1 auto; }
.read-more {
  font-family: 'Sora', sans-serif; font-weight: 700; font-size: 13.8px; color: var(--teal-600);
  display: inline-flex; align-items: center; gap: 8px;
}
.read-more:hover { color: var(--navy-800); gap: 12px; }

/* Blog single */
.blog-single { font-size: 16.6px; }
.blog-single h2 { font-size: 1.5rem; margin: 34px 0 14px; }
.blog-single h3 { font-size: 1.22rem; margin: 28px 0 12px; }
.blog-single p { color: #41506b; margin-bottom: 18px; }
.blog-single ul { margin: 0 0 20px; padding-left: 20px; color: #41506b; }
.blog-single ul li { margin-bottom: 9px; }
.blog-single blockquote {
  border-left: 4px solid var(--teal-500); background: var(--bg-mint);
  padding: 22px 26px; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 26px 0;
  font-family: 'Sora', sans-serif; font-weight: 600; color: var(--navy-800); font-size: 1.05rem;
}
.blog-hero-img { border-radius: var(--radius-lg); box-shadow: var(--shadow-md); width: 100%; object-fit: cover; height: 430px; margin-bottom: 30px; }
.post-meta-bar {
  display: flex; flex-wrap: wrap; gap: 18px; align-items: center;
  background: var(--bg-soft); border-radius: var(--radius-sm); padding: 16px 20px; margin-bottom: 30px;
}
.post-meta-bar .pm { font-size: 13.4px; font-weight: 600; color: var(--muted); display: inline-flex; align-items: center; gap: 7px; }
.post-meta-bar .pm i { color: var(--teal-600); font-size: 16px; }
.tag-pill {
  display: inline-block; background: var(--bg-soft); color: var(--navy-700); border: 1px solid var(--line);
  border-radius: 50px; padding: 6px 15px; font-size: 13px; font-weight: 600; margin: 0 6px 8px 0;
}
.tag-pill:hover { background: var(--teal-500); color: #fff; border-color: var(--teal-500); }

/* Sidebar widget */
.widget {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 24px; margin-bottom: 26px; box-shadow: var(--shadow-sm);
}
.widget-title {
  font-size: 1.06rem; margin-bottom: 20px; padding-bottom: 14px;
  border-bottom: 2px solid var(--line); position: relative;
}
.widget-title::after {
  content: ''; position: absolute; left: 0; bottom: -2px; width: 52px; height: 2px; background: var(--grad-gold);
}
.widget-list { list-style: none; padding: 0; margin: 0; }
.widget-list li { margin-bottom: 4px; }
.widget-list a {
  display: flex; align-items: center; gap: 11px; padding: 10px 12px; border-radius: 10px;
  color: var(--ink); font-weight: 600; font-size: 14.7px;
}
.widget-list a i { color: var(--teal-500); font-size: 16px; }
.widget-list a:hover { background: var(--bg-mint); color: var(--teal-600); padding-left: 16px; }
.widget-list .count { margin-left: auto; font-size: 12.4px; color: var(--muted); font-weight: 700; }

.recent-post { display: flex; gap: 14px; margin-bottom: 18px; }
.recent-post img { width: 76px; height: 72px; border-radius: 12px; object-fit: cover; flex: 0 0 76px; }
.recent-post h6 { font-size: 14.4px; line-height: 1.45; margin-bottom: 6px; }
.recent-post h6 a { color: var(--navy-800); }
.recent-post:hover h6 a { color: var(--teal-600); }
.recent-post small { color: var(--muted); font-size: 12.3px; display: flex; align-items: center; gap: 5px; }

.widget-cta { background: var(--grad-brand); border: 0; color: #fff; text-align: center; }
.widget-cta h4 { color: #fff; font-size: 1.25rem; margin-bottom: 10px; }
.widget-cta p { color: #cfe0f2; font-size: 14.4px; }
.widget-cta .bi-telephone-fill { font-size: 34px; color: var(--gold-400); display: block; margin-bottom: 12px; }

/* ---------- 16. Forms ---------- */
.form-card {
  background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-md);
  padding: 38px 34px; border: 1px solid var(--line);
}
.form-label {
  font-family: 'Sora', sans-serif; font-weight: 600; font-size: 13.6px;
  color: var(--navy-800); margin-bottom: 7px; letter-spacing: .01em;
}
.form-label .req { color: var(--coral-500); }
.form-control, .form-select {
  border: 1.6px solid #dfe6f1; border-radius: 12px; padding: 12px 15px;
  font-size: 14.8px; font-family: 'Manrope', sans-serif; color: var(--ink);
  background-color: #fbfcfe; transition: all .3s var(--ease);
}
.form-control:focus, .form-select:focus {
  border-color: var(--teal-500); box-shadow: 0 0 0 4px rgba(18, 179, 168, .13); background: #fff;
}
.form-control::placeholder { color: #9aa8bd; }
textarea.form-control { min-height: 132px; resize: vertical; }
.form-check-input:checked { background-color: var(--teal-600); border-color: var(--teal-600); }
.form-check-input:focus { box-shadow: 0 0 0 4px rgba(18, 179, 168, .13); border-color: var(--teal-500); }
.form-check-label { font-size: 14.2px; color: var(--muted); }
.input-group-text { background: #fbfcfe; border: 1.6px solid #dfe6f1; color: var(--teal-600); border-radius: 12px 0 0 12px; }
.input-group .form-control { border-left: 0; }
.is-invalid { border-color: #e5484d !important; background-image: none; }
.invalid-feedback { font-size: 12.6px; font-weight: 600; }

.form-alert {
  display: none; border-radius: var(--radius-sm); padding: 15px 18px; font-size: 14.6px;
  font-weight: 600; margin-bottom: 20px; align-items: flex-start; gap: 11px;
}
.form-alert.show { display: flex; animation: fadeSlide .45s var(--ease); }
.form-alert.success { background: #e8f9f2; color: #0d7a52; border: 1px solid #b6ebd5; }
.form-alert.error { background: #fdecec; color: #b42318; border: 1px solid #f8c9c5; }
.form-alert i { font-size: 19px; line-height: 1.4; }
@keyframes fadeSlide { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: none; } }

/* Contact info cards */
.contact-info-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 24px; height: 100%; box-shadow: var(--shadow-sm); transition: all .4s var(--ease);
}
.contact-info-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-md); border-color: rgba(18,179,168,.35); }
.contact-info-card .feature-ico { margin-bottom: 16px; }
.contact-info-card h5 { font-size: 1.03rem; margin-bottom: 8px; }
.contact-info-card p, .contact-info-card a { font-size: 14.6px; color: var(--muted); margin: 0; word-break: break-word; }
.contact-info-card a:hover { color: var(--teal-600); }

.map-wrap {
  border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md);
  border: 1px solid var(--line); height: 420px; background: var(--bg-soft);
}
.map-wrap iframe { width: 100%; height: 100%; border: 0; display: block; }

/* Office hours */
.hours-list { list-style: none; padding: 0; margin: 0; }
.hours-list li {
  display: flex; justify-content: space-between; gap: 12px; padding: 11px 0;
  border-bottom: 1px dashed var(--line); font-size: 14.6px; font-weight: 600; color: var(--ink);
}
.hours-list li:last-child { border-bottom: 0; }
.hours-list li span:last-child { color: var(--teal-600); }
.hours-list li.closed span:last-child { color: var(--coral-500); }

/* ---------- 17. CTA banner ---------- */
.cta-banner {
  background: var(--grad-brand); position: relative; overflow: hidden; border-radius: var(--radius-lg);
  padding: 56px 46px; box-shadow: var(--shadow-lg);
}
.cta-banner::before {
  content: ''; position: absolute; width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(242, 165, 22, .35), transparent 68%); top: -180px; right: -80px;
}
.cta-banner::after {
  content: ''; position: absolute; width: 340px; height: 340px; border-radius: 50%;
  background: radial-gradient(circle, rgba(111, 227, 217, .28), transparent 70%); bottom: -170px; left: -60px;
}
.cta-banner .container, .cta-banner > .row { position: relative; z-index: 2; }
.cta-banner h2 { color: #fff; font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 12px; }
.cta-banner p { color: #cfe0f2; margin-bottom: 0; }
.cta-phone {
  display: inline-flex; align-items: center; gap: 13px; color: #fff;
  background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .22);
  padding: 12px 22px; border-radius: 50px; backdrop-filter: blur(6px);
}
.cta-phone:hover { background: #fff; color: var(--navy-800); }
.cta-phone i { font-size: 20px; color: var(--gold-400); }
.cta-phone:hover i { color: var(--teal-600); }
.cta-phone strong { font-family: 'Sora', sans-serif; font-size: 1.05rem; display: block; line-height: 1.2; }
.cta-phone small { font-size: 11.6px; opacity: .82; letter-spacing: .08em; text-transform: uppercase; }

/* ---------- 18. Newsletter ---------- */
.newsletter-form { display: flex; gap: 10px; }
.newsletter-form .form-control {
  background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .22); color: #fff;
  border-radius: 50px; padding-left: 20px;
}
.newsletter-form .form-control::placeholder { color: rgba(255, 255, 255, .55); }
.newsletter-form .form-control:focus { background: rgba(255, 255, 255, .16); border-color: var(--teal-300); box-shadow: 0 0 0 4px rgba(111, 227, 217, .16); }

.footer-newsletter-msg { font-size: 13.4px; font-weight: 600; margin-top: 10px; display: none; }
.footer-newsletter-msg.show { display: block; }
.footer-newsletter-msg.ok { color: var(--teal-300); }
.footer-newsletter-msg.bad { color: #ffb4a6; }

/* Subscribe page */
.plan-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 24px;
  height: 100%; transition: all .4s var(--ease);
}
.plan-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-md); border-color: rgba(18,179,168,.35); }
.plan-card .feature-ico { margin-bottom: 15px; }
.plan-card h5 { font-size: 1rem; margin-bottom: 7px; }
.plan-card p { font-size: 14.2px; margin: 0; }

/* ---------- 19. FAQ ---------- */
.accordion-fao .accordion-item {
  border: 1px solid var(--line); border-radius: var(--radius-sm) !important;
  margin-bottom: 13px; overflow: hidden; background: #fff;
}
.accordion-fao .accordion-button {
  font-family: 'Sora', sans-serif; font-weight: 600; font-size: 15.2px; color: var(--navy-800);
  padding: 18px 22px; box-shadow: none !important; background: #fff;
}
.accordion-fao .accordion-button:not(.collapsed) { background: var(--bg-mint); color: var(--teal-600); }
.accordion-fao .accordion-button::after {
  background-image: none; content: '\F4FE'; font-family: 'bootstrap-icons';
  font-size: 17px; width: auto; height: auto; color: var(--teal-600); transition: transform .3s var(--ease);
}
.accordion-fao .accordion-button:not(.collapsed)::after { content: '\F2EA'; transform: none; }
.accordion-fao .accordion-body { color: var(--muted); font-size: 14.9px; padding: 4px 22px 20px; }

/* ---------- 20. Team ---------- */
.team-card {
  background: #fff; border-radius: var(--radius); overflow: hidden; text-align: center;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm); transition: all .45s var(--ease); height: 100%;
}
.team-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); }
.team-avatar {
  height: 170px; display: flex; align-items: center; justify-content: center;
  font-family: 'Sora', sans-serif; font-weight: 800; font-size: 3rem; color: #fff; position: relative; overflow: hidden;
}
.team-avatar::after {
  content: ''; position: absolute; width: 190px; height: 190px; border-radius: 50%;
  background: rgba(255, 255, 255, .12); bottom: -95px; left: 50%; transform: translateX(-50%);
}
.team-body { padding: 22px 20px 26px; }
.team-body h5 { font-size: 1.06rem; margin-bottom: 4px; }
.team-body .role { color: var(--teal-600); font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; margin-bottom: 10px; }
.team-body p { font-size: 14px; margin: 0; }

/* ---------- 21. Values / timeline ---------- */
.value-card {
  background: #fff; border-radius: var(--radius); padding: 28px 24px; height: 100%;
  border: 1px solid var(--line); box-shadow: var(--shadow-sm); transition: all .4s var(--ease); position: relative; overflow: hidden;
}
.value-card::before {
  content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 4px;
  background: var(--grad-teal); transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease);
}
.value-card:hover::before { transform: scaleX(1); }
.value-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); }
.value-card .feature-ico { margin-bottom: 16px; }
.value-card h5 { font-size: 1.05rem; margin-bottom: 9px; }
.value-card p { font-size: 14.4px; margin: 0; }

.timeline { position: relative; padding-left: 34px; }
.timeline::before {
  content: ''; position: absolute; left: 11px; top: 6px; bottom: 6px; width: 2px;
  background: linear-gradient(var(--teal-500), var(--gold-400));
}
.timeline-item { position: relative; padding-bottom: 26px; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before {
  content: ''; position: absolute; left: -29px; top: 5px; width: 14px; height: 14px; border-radius: 50%;
  background: #fff; border: 3px solid var(--teal-500);
}
.timeline-item .t-year {
  font-family: 'Sora', sans-serif; font-weight: 700; font-size: 13px; color: var(--gold-500);
  letter-spacing: .1em; text-transform: uppercase;
}
.timeline-item h5 { font-size: 1.03rem; margin: 4px 0 6px; }
.timeline-item p { font-size: 14.4px; margin: 0; }

/* ---------- 22. Legal pages ---------- */
.legal-content h2 { font-size: 1.3rem; margin: 34px 0 12px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 { font-size: 1.08rem; margin: 22px 0 9px; color: var(--navy-700); }
.legal-content p, .legal-content li { color: #41506b; font-size: 15.6px; }
.legal-content ul { padding-left: 20px; margin-bottom: 18px; }
.legal-content li { margin-bottom: 8px; }
.legal-content a { color: var(--teal-600); font-weight: 600; text-decoration: underline; }
.legal-content table { width: 100%; border-collapse: collapse; margin: 16px 0 22px; font-size: 15px; }
.legal-content th, .legal-content td { border: 1px solid var(--line); padding: 11px 14px; text-align: left; }
.legal-content th { background: var(--bg-soft); color: var(--navy-800); font-family: 'Sora', sans-serif; font-size: 14px; }
.updated-pill {
  display: inline-flex; align-items: center; gap: 8px; background: var(--bg-mint); color: var(--teal-600);
  border: 1px solid rgba(18, 179, 168, .25); border-radius: 50px; padding: 7px 16px;
  font-size: 13px; font-weight: 700; margin-bottom: 22px;
}
.toc-list a { display: block; padding: 8px 12px; border-radius: 9px; color: var(--ink); font-size: 14.4px; font-weight: 600; }
.toc-list a:hover { background: var(--bg-mint); color: var(--teal-600); padding-left: 16px; }

/* ---------- 23. Pricing / loan highlight strip ---------- */
.highlight-strip {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 20px 22px; display: flex; align-items: center; gap: 16px; height: 100%;
  box-shadow: var(--shadow-sm); transition: all .4s var(--ease);
}
.highlight-strip:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.highlight-strip .hs-num {
  font-family: 'Sora', sans-serif; font-weight: 800; font-size: 1.6rem; color: var(--navy-800); display: block; line-height: 1.1;
}
.highlight-strip .hs-label { font-size: 13.2px; color: var(--muted); font-weight: 600; }

/* ---------- 24. Footer ---------- */
.site-footer { background: var(--navy-900); color: #b9cbe2; padding: 82px 0 0; position: relative; overflow: hidden; }
.site-footer::before {
  content: ''; position: absolute; width: 520px; height: 520px; border-radius: 50%;
  background: radial-gradient(circle, rgba(18, 179, 168, .2), transparent 70%); top: -260px; right: -140px;
}
.site-footer .container { position: relative; z-index: 2; }
.site-footer h5 {
  color: #fff; font-size: 1.02rem; 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: 4px; background: var(--grad-gold);
}
.site-footer p { color: #a2b6ce; font-size: 14.6px; }
.site-footer a { color: #b9cbe2; font-size: 14.6px; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 11px; }
.footer-links a { display: inline-flex; align-items: center; gap: 9px; font-weight: 500; }
.footer-links a i { color: var(--teal-500); font-size: 12px; transition: transform .3s var(--ease); }
.footer-links a:hover { color: var(--gold-400); }
.footer-links a:hover i { transform: translateX(4px); }
.footer-contact li { display: flex; gap: 13px; margin-bottom: 16px; font-size: 14.6px; }
.footer-contact i {
  color: var(--teal-300); font-size: 17px; margin-top: 3px; flex: 0 0 20px;
}
.footer-brand .brand-text .b-name { color: #fff; }
.footer-brand .brand-text .b-tag { color: #8fa6c1; }
.footer-social { display: flex; gap: 9px; margin-top: 20px; }
.footer-social a {
  width: 38px; height: 38px; border-radius: 11px; display: flex; align-items: center; justify-content: center;
  background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .1); font-size: 15px;
}
.footer-social a:hover { background: var(--teal-500); color: #fff; transform: translateY(-4px); border-color: var(--teal-500); }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .09); margin-top: 60px; padding: 22px 0;
  font-size: 13.8px; color: #93a9c4;
}
.footer-bottom a { color: #93a9c4; font-weight: 600; }
.footer-bottom a:hover { color: var(--gold-400); }
.footer-disclaimer {
  background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .08);
  border-radius: var(--radius-sm); padding: 16px 20px; font-size: 13.2px; color: #93a9c4; margin-top: 34px;
}

/* ---------- 25. Back to top ---------- */
#backToTop {
  position: fixed; right: 24px; bottom: 26px; z-index: 999;
  width: 48px; height: 48px; border-radius: 14px; border: 0;
  background: var(--grad-teal); color: #04322f; font-size: 20px;
  box-shadow: var(--shadow-md); opacity: 0; visibility: hidden; transform: translateY(16px);
  transition: all .4s var(--ease); display: flex; align-items: center; justify-content: center;
}
#backToTop.show { opacity: 1; visibility: visible; transform: none; }
#backToTop:hover { background: var(--gold-500); color: #fff; transform: translateY(-5px); }

/* Floating call button (mobile friendly) */
.float-call {
  position: fixed; left: 22px; bottom: 26px; z-index: 999;
  width: 48px; height: 48px; border-radius: 14px; background: var(--grad-gold); color: var(--navy-900);
  display: flex; align-items: center; justify-content: center; font-size: 21px; box-shadow: var(--shadow-md);
  animation: pulseRing 2.4s infinite;
}
.float-call:hover { transform: translateY(-5px) scale(1.05); color: var(--navy-900); }
@keyframes pulseRing {
  0% { box-shadow: 0 0 0 0 rgba(242, 165, 22, .5); }
  70% { box-shadow: 0 0 0 16px rgba(242, 165, 22, 0); }
  100% { box-shadow: 0 0 0 0 rgba(242, 165, 22, 0); }
}

/* ---------- 26. Reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.visible { opacity: 1; transform: none; }
.reveal-left { opacity: 0; transform: translateX(-34px); transition: all .75s var(--ease); }
.reveal-right { opacity: 0; transform: translateX(34px); transition: all .75s var(--ease); }
.reveal-left.visible, .reveal-right.visible { opacity: 1; transform: none; }
.d-1 { transition-delay: .08s; } .d-2 { transition-delay: .16s; } .d-3 { transition-delay: .24s; }
.d-4 { transition-delay: .32s; } .d-5 { transition-delay: .4s; } .d-6 { transition-delay: .48s; }

/* ---------- 27. Partner strip ---------- */
.partner-strip { padding: 34px 0; background: #fff; border-bottom: 1px solid var(--line); }
.partner-item {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  font-family: 'Sora', sans-serif; font-weight: 700; font-size: 15px; color: #94a5bd;
  letter-spacing: .02em; transition: color .3s var(--ease); padding: 8px 0;
}
.partner-item i { font-size: 24px; }
.partner-item:hover { color: var(--navy-700); }

/* ---------- 28. Misc ---------- */
.divider-wave { display: block; width: 100%; height: 60px; margin-bottom: -1px; }
.badge-soft {
  display: inline-block; padding: 5px 13px; border-radius: 50px; font-size: 12.2px;
  font-weight: 700; letter-spacing: .05em; text-transform: uppercase;
}
.info-box {
  background: var(--bg-cream); border: 1px solid rgba(242, 165, 22, .28); border-radius: var(--radius-sm);
  padding: 18px 20px; font-size: 14.6px; color: #6b5320; display: flex; gap: 12px;
}
.info-box i { color: var(--gold-500); font-size: 20px; flex: 0 0 22px; }
.success-panel {
  background: var(--bg-mint); border: 1px solid rgba(18, 179, 168, .3); border-radius: var(--radius);
  padding: 34px; text-align: center;
}
.success-panel .bi-check-circle-fill { font-size: 54px; color: var(--teal-600); display: block; margin-bottom: 14px; }