/* --- Google Fonts Import --- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

/* --- CSS Variables --- */
:root {
  --blue-primary: #2563EB;
  --blue-light: #3B82F6;
  --blue-pale: #EFF6FF;
  --blue-mid: #DBEAFE;
  --navy: #1E3A5F;
  --navy-dark: #0F2340;
  --green: #10B981;
  --green-light: #D1FAE5;
  --amber: #F59E0B;
  --red: #EF4444;
  --white: #FFFFFF;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1E293B;
  --gray-900: #0F172A;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.08), 0 2px 6px rgba(0,0,0,0.04);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.10), 0 4px 12px rgba(0,0,0,0.05);
  --shadow-blue: 0 8px 32px rgba(37,99,235,0.18);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --transition: 0.25s cubic-bezier(0.4,0,0.2,1);
  --max-width: 1200px;
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font); border: none; background: none; }

/* --- Utility Classes --- */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 96px 0; }
.section-pad-sm { padding: 64px 0; }

.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue-primary);
  background: var(--blue-pale);
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 16px;
}
.section-title {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  letter-spacing: -0.02em;
}
.section-subtitle {
  font-size: 1.05rem;
  color: var(--gray-500);
  margin-top: 14px;
  max-width: 580px;
  line-height: 1.7;
}
.text-center { text-align: center; }
.text-center .section-subtitle { margin-left: auto; margin-right: auto; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-weight: 600;
  transition: all var(--transition);
  letter-spacing: -0.01em;
}
.btn-primary {
  background: var(--blue-primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(37,99,235,0.32);
}
.btn-primary:hover {
  background: #1D4ED8;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(37,99,235,0.40);
}
.btn-outline {
  background: transparent;
  color: var(--blue-primary);
  border: 2px solid var(--blue-primary);
}
.btn-outline:hover {
  background: var(--blue-pale);
  transform: translateY(-1px);
}
.btn-white {
  background: var(--white);
  color: var(--blue-primary);
  box-shadow: var(--shadow-md);
}
.btn-white:hover { transform: translateY(-1px); box-shadow: var(--shadow-lg); }
.btn-green {
  background: var(--green);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(16,185,129,0.32);
}
.btn-green:hover { background: #059669; transform: translateY(-1px); }
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-sm { padding: 9px 18px; font-size: 0.85rem; }

/* ============================================
   NAVIGATION
   ============================================ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-100);
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-md); }
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--navy);
  letter-spacing: -0.03em;
}
.nav-logo-icon {
  width: 38px; height: 38px;
  background: var(--blue-primary);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
}
.nav-logo-icon svg { width: 22px; height: 22px; fill: none; stroke: white; stroke-width: 2.5; }
.nav-logo span.accent { color: var(--blue-primary); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-links a {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-600);
  transition: all var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  color: var(--blue-primary);
  background: var(--blue-pale);
}
.nav-cta { margin-left: 12px; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  border-radius: var(--radius-sm);
  transition: background var(--transition);
}
.hamburger:hover { background: var(--gray-100); }
.hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

.mobile-menu {
  display: none;
  position: fixed;
  top: 70px; left: 0; right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 20px 24px;
  z-index: 999;
  transform: translateY(-10px);
  opacity: 0;
  transition: all var(--transition);
  box-shadow: var(--shadow-lg);
}
.mobile-menu.open { display: block; transform: translateY(0); opacity: 1; }
.mobile-menu a {
  display: block;
  padding: 13px 0;
  border-bottom: 1px solid var(--gray-100);
  font-size: 1rem;
  font-weight: 500;
  color: var(--gray-700);
  transition: color var(--transition);
}
.mobile-menu a:hover { color: var(--blue-primary); }
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu .btn {
  display: flex;
  width: 100%;
  justify-content: center;
  align-items: center;
  text-align: center;
  margin-top: 16px;
  padding: 15px 20px;
  font-size: 1rem;
  font-weight: 600;
  border-bottom: none !important;
  border-radius: var(--radius-md);
}

/* NAV DROPDOWN */
.nav-dropdown { position: relative; }
.nav-dropdown-toggle { display: inline-flex; align-items: center; gap: 3px; }
.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: 0 8px 28px rgba(10,20,50,0.12);
  border: 1px solid var(--gray-100);
  min-width: 230px;
  padding: 6px 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.18s, visibility 0.18s, transform 0.18s;
  z-index: 200;
  pointer-events: none;
}
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}
.nav-dropdown-menu a {
  display: block;
  padding: 9px 20px;
  color: var(--navy);
  font-size: 0.875rem;
  font-weight: 500;
  white-space: nowrap;
  border-radius: 0;
  transition: background 0.12s, color 0.12s;
}
.nav-dropdown-menu a:hover {
  background: var(--blue-pale);
  color: var(--blue-primary);
}
/* Mobile Services Section */
.mobile-menu-section {
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 10px 0 2px;
  border-bottom: none !important;
}
.mobile-menu-sub {
  padding-left: 14px !important;
  font-size: 0.88rem !important;
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
  padding-top: 140px;
  padding-bottom: 96px;
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 50%, #1A4A7A 100%);
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(37,99,235,0.3) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(16,185,129,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.hero-bg-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  z-index: 0;
}
.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, rgba(15,35,64,0.93) 0%, rgba(30,58,95,0.88) 50%, rgba(26,74,122,0.82) 100%);
  z-index: 1;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
  padding: 7px 16px;
  border-radius: 100px;
  font-size: 0.82rem;
  font-weight: 500;
  margin-bottom: 24px;
  backdrop-filter: blur(8px);
}
.hero-badge span { width: 7px; height: 7px; background: var(--green); border-radius: 50%; display: inline-block; }
.hero h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.12;
  letter-spacing: -0.03em;
  margin-bottom: 22px;
}
.hero h1 .highlight {
  color: transparent;
  background: linear-gradient(90deg, #60A5FA, #34D399);
  -webkit-background-clip: text;
  background-clip: text;
}
.hero-text {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 500px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 52px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.stat-item { }
.stat-num {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.03em;
  line-height: 1;
}
.stat-num span { color: var(--green); }
.stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  margin-top: 4px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* Hero Illustration */
.hero-visual { position: relative; }
.hero-card-main {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-xl);
  padding: 32px;
  backdrop-filter: blur(12px);
}
.hero-card-main h3 { color: white; font-size: 1.1rem; font-weight: 700; margin-bottom: 20px; }
.progress-list { display: flex; flex-direction: column; gap: 14px; }
.progress-item { }
.progress-label { display: flex; justify-content: space-between; margin-bottom: 7px; }
.progress-label span:first-child { color: rgba(255,255,255,0.8); font-size: 0.85rem; font-weight: 500; }
.progress-label span:last-child { color: white; font-size: 0.85rem; font-weight: 700; }
.progress-bar-track { background: rgba(255,255,255,0.1); border-radius: 100px; height: 7px; overflow: hidden; }
.progress-bar-fill { height: 100%; border-radius: 100px; transition: width 1.5s cubic-bezier(0.4,0,0.2,1); }
.fill-blue { background: linear-gradient(90deg, #3B82F6, #60A5FA); }
.fill-green { background: linear-gradient(90deg, #10B981, #34D399); }
.fill-amber { background: linear-gradient(90deg, #F59E0B, #FCD34D); }

.hero-floating-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero-floating-card.card-1 { top: -24px; right: -20px; }
.hero-floating-card.card-2 { bottom: -20px; left: -20px; }
.hfc-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
}
.hfc-icon.green { background: var(--green-light); }
.hfc-icon.blue { background: var(--blue-mid); }
.hfc-text p { font-size: 0.72rem; color: var(--gray-400); font-weight: 500; }
.hfc-text strong { font-size: 0.9rem; color: var(--gray-800); font-weight: 700; display: block; }

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-100);
  padding: 24px 0;
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--gray-500);
  font-size: 0.88rem;
  font-weight: 500;
}
.trust-item svg { width: 20px; height: 20px; stroke: var(--blue-primary); fill: none; stroke-width: 2; }

/* ============================================
   ABOUT SECTION
   ============================================ */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.about-image-block { position: relative; }
.about-img-placeholder {
  background: linear-gradient(135deg, var(--blue-pale) 0%, var(--blue-mid) 100%);
  border-radius: var(--radius-xl);
  height: 460px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.about-img-inner {
  text-align: center;
}
.about-img-inner svg { width: 120px; height: 120px; stroke: var(--blue-primary); fill: none; stroke-width: 1.2; opacity: 0.5; }
.about-stat-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  box-shadow: var(--shadow-lg);
  min-width: 150px;
}
.about-stat-card.card-a { bottom: 32px; left: -28px; }
.about-stat-card.card-b { top: 32px; right: -28px; }
.about-stat-card .num {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--blue-primary);
  letter-spacing: -0.03em;
  line-height: 1;
}
.about-stat-card .lbl { font-size: 0.75rem; color: var(--gray-500); font-weight: 500; margin-top: 4px; }

.about-content { }
.mission-vision { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 32px 0; }
.mv-card {
  background: var(--gray-50);
  border-radius: var(--radius-md);
  padding: 22px;
  border-left: 3px solid var(--blue-primary);
}
.mv-card h4 { font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--blue-primary); margin-bottom: 8px; }
.mv-card p { font-size: 0.88rem; color: var(--gray-600); line-height: 1.65; }

.trust-points { display: flex; flex-direction: column; gap: 14px; margin-top: 28px; }
.trust-point {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.trust-point-icon {
  width: 28px; height: 28px;
  background: var(--green-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.trust-point-icon svg { width: 14px; height: 14px; stroke: var(--green); stroke-width: 2.5; fill: none; }
.trust-point-text strong { font-size: 0.92rem; color: var(--gray-800); font-weight: 600; display: block; }
.trust-point-text span { font-size: 0.83rem; color: var(--gray-500); }

/* ============================================
   SERVICES SECTION
   ============================================ */
.services { background: var(--gray-50); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-100);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--blue-primary);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: transparent; }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 56px; height: 56px;
  background: var(--blue-pale);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  transition: background var(--transition);
}
.service-card:hover .service-icon { background: var(--blue-mid); }
.service-icon svg { width: 28px; height: 28px; stroke: var(--blue-primary); fill: none; stroke-width: 1.8; }
.service-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.service-card p { font-size: 0.88rem; color: var(--gray-500); line-height: 1.7; }
.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--blue-primary);
  transition: gap var(--transition);
}
.service-link:hover { gap: 10px; }
.service-link svg { width: 14px; height: 14px; stroke: currentColor; fill: none; stroke-width: 2.5; }

/* ============================================
   HOW IT WORKS
   ============================================ */
.how-it-works { }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 56px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: calc(12.5% + 28px);
  right: calc(12.5% + 28px);
  height: 2px;
  background: linear-gradient(90deg, var(--blue-mid), var(--blue-mid));
  z-index: 0;
}
.step-card {
  text-align: center;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid var(--blue-mid);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  font-size: 1.3rem;
  font-weight: 900;
  color: var(--blue-primary);
  transition: all var(--transition);
  position: relative;
}
.step-card:hover .step-num {
  background: var(--blue-primary);
  color: white;
  border-color: var(--blue-primary);
  box-shadow: var(--shadow-blue);
}
.step-num-active {
  background: var(--blue-primary) !important;
  color: white !important;
  border-color: var(--blue-primary) !important;
  box-shadow: var(--shadow-blue);
}
.step-card h3 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.step-card p { font-size: 0.85rem; color: var(--gray-500); line-height: 1.65; }

/* ============================================
   BENEFITS SECTION
   ============================================ */
.benefits { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%); }
.benefits-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.benefits .section-label { background: rgba(255,255,255,0.12); color: rgba(255,255,255,0.85); }
.benefits .section-title { color: white; }
.benefits .section-subtitle { color: rgba(255,255,255,0.65); }
.benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 40px;
}
.benefit-item {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 22px;
  transition: all var(--transition);
}
.benefit-item:hover { background: rgba(255,255,255,0.1); transform: translateY(-2px); }
.benefit-item-icon {
  width: 44px; height: 44px;
  background: rgba(37,99,235,0.3);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.benefit-item-icon svg { width: 22px; height: 22px; stroke: #93C5FD; fill: none; stroke-width: 2; }
.benefit-item h4 { font-size: 0.92rem; font-weight: 700; color: white; margin-bottom: 6px; }
.benefit-item p { font-size: 0.82rem; color: rgba(255,255,255,0.55); line-height: 1.6; }

.benefits-visual {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 36px;
}
.benefits-visual h3 { color: white; font-size: 1.1rem; font-weight: 700; margin-bottom: 28px; }
.timeline-item {
  display: flex;
  gap: 18px;
  padding-bottom: 26px;
  position: relative;
}
.timeline-item:not(:last-child)::before {
  content: '';
  position: absolute;
  left: 17px;
  top: 38px;
  bottom: 0;
  width: 2px;
  background: rgba(255,255,255,0.1);
}
.timeline-dot {
  width: 36px; height: 36px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: 0.8rem;
  font-weight: 700;
}
.timeline-dot.d1 { background: rgba(239,68,68,0.2); color: #FCA5A5; }
.timeline-dot.d2 { background: rgba(245,158,11,0.2); color: #FCD34D; }
.timeline-dot.d3 { background: rgba(59,130,246,0.2); color: #93C5FD; }
.timeline-dot.d4 { background: rgba(16,185,129,0.2); color: #6EE7B7; }
.timeline-body p.t-label { font-size: 0.72rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.4); margin-bottom: 2px; }
.timeline-body h4 { font-size: 0.9rem; font-weight: 600; color: white; }
.timeline-body p.t-desc { font-size: 0.8rem; color: rgba(255,255,255,0.5); margin-top: 3px; }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials { background: var(--gray-50); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--gray-100);
  transition: all var(--transition);
}
.testimonial-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.tc-stars { display: flex; gap: 3px; margin-bottom: 16px; }
.tc-stars svg { width: 16px; height: 16px; fill: var(--amber); stroke: none; }
.tc-quote { font-size: 0.9rem; color: var(--gray-600); line-height: 1.75; font-style: italic; margin-bottom: 22px; }
.tc-author { display: flex; align-items: center; gap: 12px; }
.tc-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}
.tc-avatar.av1 { background: linear-gradient(135deg, #667eea, #764ba2); }
.tc-avatar.av2 { background: linear-gradient(135deg, #f093fb, #f5576c); }
.tc-avatar.av3 { background: linear-gradient(135deg, #4facfe, #00f2fe); }
.tc-avatar.av4 { background: linear-gradient(135deg, #43e97b, #38f9d7); }
.tc-avatar.av5 { background: linear-gradient(135deg, #fa709a, #fee140); }
.tc-avatar.av6 { background: linear-gradient(135deg, #a18cd1, #fbc2eb); }
.tc-info strong { font-size: 0.9rem; font-weight: 700; color: var(--gray-800); display: block; }
.tc-info span { font-size: 0.78rem; color: var(--gray-400); }
.tc-saved {
  display: inline-block;
  background: var(--green-light);
  color: var(--green);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 100px;
  margin-top: 4px;
}

/* ============================================
   FAQ SECTION
   ============================================ */
.faq { }
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  margin-top: 56px;
  align-items: start;
}
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color var(--transition);
}
.faq-item.open { border-color: var(--blue-primary); }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  cursor: pointer;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--gray-800);
  transition: color var(--transition);
  gap: 16px;
}
.faq-item.open .faq-question { color: var(--blue-primary); }
.faq-chevron {
  width: 28px; height: 28px;
  background: var(--gray-100);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: all var(--transition);
}
.faq-item.open .faq-chevron { background: var(--blue-pale); transform: rotate(180deg); }
.faq-chevron svg { width: 14px; height: 14px; stroke: currentColor; fill: none; stroke-width: 2.5; }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s ease;
}
.faq-item.open .faq-answer { max-height: 300px; }
.faq-answer p {
  padding: 0 22px 18px;
  font-size: 0.87rem;
  color: var(--gray-600);
  line-height: 1.75;
}
.faq-cta-box {
  background: var(--blue-pale);
  border-radius: var(--radius-lg);
  padding: 36px;
  position: sticky;
  top: 100px;
}
.faq-cta-box h3 { font-size: 1.3rem; font-weight: 800; color: var(--navy); margin-bottom: 12px; letter-spacing: -0.02em; }
.faq-cta-box p { font-size: 0.88rem; color: var(--gray-600); line-height: 1.7; margin-bottom: 24px; }
.faq-contact-items { display: flex; flex-direction: column; gap: 12px; }
.faq-contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.88rem;
  color: var(--gray-700);
  font-weight: 500;
}
.faq-contact-item svg { width: 18px; height: 18px; stroke: var(--blue-primary); fill: none; stroke-width: 2; flex-shrink: 0; }

/* ============================================
   FINAL CTA SECTION
   ============================================ */
.final-cta {
  background: linear-gradient(135deg, var(--blue-primary) 0%, #1D4ED8 100%);
  padding: 96px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta::before {
  content: '';
  position: absolute;
  top: -100px; left: 50%;
  transform: translateX(-50%);
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(255,255,255,0.08) 0%, transparent 70%);
}
.final-cta .section-label { background: rgba(255,255,255,0.15); color: rgba(255,255,255,0.9); }
.final-cta .section-title { color: white; }
.final-cta .section-subtitle { color: rgba(255,255,255,0.7); margin: 0 auto; }
.final-cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 36px; }

/* ============================================
   FOOTER
   ============================================ */
.footer { background: var(--navy-dark); padding: 64px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand { }
.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.1rem;
  color: white;
  margin-bottom: 16px;
}
.footer-logo-icon {
  width: 36px; height: 36px;
  background: var(--blue-primary);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
}
.footer-logo-icon svg { width: 20px; height: 20px; fill: none; stroke: white; stroke-width: 2.5; }
.footer-desc {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  max-width: 280px;
  margin-bottom: 24px;
}
.social-links { display: flex; gap: 10px; }
.social-link {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition);
  color: rgba(255,255,255,0.6);
}
.social-link:hover { background: var(--blue-primary); color: white; }
.social-link svg { width: 16px; height: 16px; fill: currentColor; }

.footer-col h4 {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.4);
  margin-bottom: 18px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
  font-weight: 400;
}
.footer-links a:hover { color: white; }

.footer-contact-info { display: flex; flex-direction: column; gap: 12px; }
.fci-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.83rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.5;
}
.fci-item svg { width: 16px; height: 16px; stroke: rgba(255,255,255,0.4); fill: none; stroke-width: 2; flex-shrink: 0; margin-top: 2px; }

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,0.35); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: 0.82rem; color: rgba(255,255,255,0.35); transition: color var(--transition); }
.footer-bottom-links a:hover { color: rgba(255,255,255,0.7); }

/* ============================================
   PAGE HERO (inner pages)
   ============================================ */
.page-hero {
  padding: 140px 0 72px;
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 100%);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -150px; right: -150px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(37,99,235,0.25) 0%, transparent 70%);
}
.page-hero-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 20px;
}
.page-hero-breadcrumb a { color: rgba(255,255,255,0.5); transition: color var(--transition); }
.page-hero-breadcrumb a:hover { color: white; }
.page-hero-breadcrumb span { color: rgba(255,255,255,0.3); }
.page-hero h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  color: white;
  letter-spacing: -0.03em;
  margin-bottom: 16px;
}
.page-hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.65);
  max-width: 560px;
  line-height: 1.7;
}

/* ============================================
   SERVICES / ABOUT PAGE — Split Hero with background image
   ============================================ */
.page-hero-split {
  overflow: hidden;
  min-height: 420px;
  padding: 140px 0 72px;
}
/* Policy pages — smaller hero */
.page-hero-split.page-hero-sm {
  min-height: 260px;
  padding: 130px 0 56px;
}
.page-hero-bg-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  z-index: 0;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(15,35,64,0.96) 0%,
    rgba(15,35,64,0.92) 38%,
    rgba(15,35,64,0.55) 65%,
    rgba(15,35,64,0.15) 100%
  );
  z-index: 1;
}

/* ============================================
   SOLUTIONS PAGE
   ============================================ */
.solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}
.solution-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-100);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.solution-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.solution-card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 16px;
}
.sc-icon {
  width: 52px; height: 52px;
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
}
.sc-icon svg { width: 26px; height: 26px; stroke-width: 1.8; fill: none; }
.sc-icon.blue { background: var(--blue-pale); }
.sc-icon.blue svg { stroke: var(--blue-primary); }
.sc-icon.green { background: var(--green-light); }
.sc-icon.green svg { stroke: var(--green); }
.sc-icon.amber { background: #FEF3C7; }
.sc-icon.amber svg { stroke: var(--amber); }
.sc-badge {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 100px;
}
.sc-badge.popular { background: var(--blue-pale); color: var(--blue-primary); }
.sc-badge.new { background: var(--green-light); color: var(--green); }
.solution-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.solution-card p { font-size: 0.87rem; color: var(--gray-500); line-height: 1.7; flex-grow: 1; }
.solution-features { margin: 18px 0; display: flex; flex-direction: column; gap: 8px; }
.sf-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.83rem;
  color: var(--gray-600);
}
.sf-item svg { width: 14px; height: 14px; stroke: var(--green); fill: none; stroke-width: 2.5; flex-shrink: 0; }

/* Comparison Table */
.comparison-section { background: var(--gray-50); }
.comparison-table-wrap { overflow-x: auto; margin-top: 48px; }
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.comparison-table th {
  background: var(--navy);
  color: white;
  padding: 18px 20px;
  text-align: left;
  font-size: 0.85rem;
  font-weight: 600;
}
.comparison-table th:first-child { border-radius: 0; }
.comparison-table td {
  padding: 15px 20px;
  font-size: 0.87rem;
  color: var(--gray-700);
  border-bottom: 1px solid var(--gray-100);
}
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:nth-child(even) td { background: var(--gray-50); }
.check { color: var(--green); font-weight: 700; font-size: 1.1rem; }
.cross { color: var(--gray-300); font-size: 1.1rem; }
.ct-highlight { background: var(--blue-pale) !important; font-weight: 600; }
.ct-label { font-weight: 600; color: var(--navy); }

/* Debt Calculator */
.calculator-section { }
.calc-wrapper {
  max-width: 860px;
  margin: 56px auto 0;
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid var(--gray-100);
}
.calc-header {
  background: linear-gradient(135deg, var(--blue-primary), #1D4ED8);
  padding: 28px 36px;
  color: white;
}
.calc-header h3 { font-size: 1.2rem; font-weight: 800; letter-spacing: -0.02em; }
.calc-header p { font-size: 0.85rem; opacity: 0.75; margin-top: 4px; }
.calc-body { padding: 36px; display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.calc-inputs { display: flex; flex-direction: column; gap: 22px; }
.calc-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray-600);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.calc-field input {
  width: 100%;
  padding: 13px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: var(--font);
  color: var(--gray-800);
  font-weight: 500;
  transition: border-color var(--transition);
  outline: none;
}
.calc-field input:focus { border-color: var(--blue-primary); }
.calc-btn { width: 100%; }
.calc-results { display: flex; flex-direction: column; gap: 18px; }
.calc-result-card {
  background: var(--gray-50);
  border-radius: var(--radius-md);
  padding: 20px;
  border-left: 3px solid var(--blue-primary);
}
.calc-result-card.green-border { border-color: var(--green); }
.calc-result-card.amber-border { border-color: var(--amber); }
.calc-result-card p { font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--gray-400); margin-bottom: 6px; }
.calc-result-card strong {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.03em;
  display: block;
}
.calc-result-card span { font-size: 0.78rem; color: var(--gray-500); margin-top: 2px; display: block; }
.calc-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  height: 100%;
  color: var(--gray-300);
  gap: 12px;
  padding: 20px 0;
}
.calc-placeholder svg { width: 48px; height: 48px; stroke: var(--gray-200); fill: none; stroke-width: 1.2; }
.calc-placeholder p { font-size: 0.85rem; color: var(--gray-400); }

/* Success Roadmap */
.roadmap-section { background: var(--gray-50); }
.roadmap-track {
  max-width: 800px;
  margin: 56px auto 0;
  position: relative;
}
.roadmap-track::before {
  content: '';
  position: absolute;
  left: 35px;
  top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--blue-primary), var(--green));
}
.roadmap-item {
  display: flex;
  gap: 28px;
  padding-bottom: 40px;
  position: relative;
  z-index: 1;
}
.roadmap-dot {
  width: 72px;
  flex-shrink: 0;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding-top: 2px;
}
.rd-circle {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: white;
  border: 3px solid var(--blue-primary);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--blue-primary);
}
.rd-circle.done { background: var(--green); border-color: var(--green); color: white; }
.roadmap-content {
  background: white;
  border-radius: var(--radius-md);
  padding: 22px 26px;
  flex-grow: 1;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
}
.roadmap-content h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.roadmap-content p { font-size: 0.85rem; color: var(--gray-500); line-height: 1.65; }
.roadmap-tag {
  display: inline-block;
  margin-top: 10px;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.tag-month { background: var(--blue-pale); color: var(--blue-primary); }
.tag-done { background: var(--green-light); color: var(--green); }

/* ============================================
   BLOG PAGE
   ============================================ */
.blog-search-bar {
  max-width: 600px;
  margin: 36px auto 0;
  position: relative;
}
.blog-search-bar input {
  width: 100%;
  padding: 16px 56px 16px 22px;
  border: 2px solid var(--gray-200);
  border-radius: 100px;
  font-size: 0.95rem;
  font-family: var(--font);
  outline: none;
  transition: border-color var(--transition);
  background: white;
  color: var(--gray-800);
}
.blog-search-bar input:focus { border-color: var(--blue-primary); }
.blog-search-bar button {
  position: absolute;
  right: 6px;
  top: 50%;
  transform: translateY(-50%);
  background: var(--blue-primary);
  color: white;
  border-radius: 100px;
  padding: 9px 18px;
  font-size: 0.85rem;
  font-weight: 600;
  transition: all var(--transition);
}
.blog-search-bar button:hover { background: #1D4ED8; }

.blog-categories {
  display: flex;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 32px;
  margin-bottom: 56px;
}
.cat-pill {
  padding: 8px 18px;
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  transition: all var(--transition);
  border: 1.5px solid var(--gray-200);
  color: var(--gray-600);
  background: white;
}
.cat-pill:hover, .cat-pill.active {
  background: var(--blue-primary);
  color: white;
  border-color: var(--blue-primary);
  box-shadow: 0 4px 12px rgba(37,99,235,0.25);
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-100);
  transition: all var(--transition);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.blog-card-image {
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  position: relative;
  overflow: hidden;
}
.blog-card-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, transparent 40%, rgba(0,0,0,0.3));
}
.bc-cat {
  position: absolute;
  bottom: 12px; left: 14px;
  z-index: 1;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  background: white;
  color: var(--blue-primary);
  padding: 4px 10px;
  border-radius: 100px;
}
.blog-card-body { padding: 22px; }
.bc-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.78rem;
  color: var(--gray-400);
  margin-bottom: 10px;
}
.bc-dot { width: 3px; height: 3px; background: var(--gray-300); border-radius: 50%; }
.blog-card-body h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  line-height: 1.45;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.blog-card-body p {
  font-size: 0.85rem;
  color: var(--gray-500);
  line-height: 1.7;
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
  margin-bottom: 18px;
}
.read-more-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.83rem;
  font-weight: 600;
  color: var(--blue-primary);
  transition: gap var(--transition);
}
.read-more-btn:hover { gap: 10px; }
.read-more-btn svg { width: 14px; height: 14px; stroke: currentColor; fill: none; stroke-width: 2.5; }

.blog-card.hidden { display: none; }

.no-results {
  grid-column: 1/-1;
  text-align: center;
  padding: 64px 0;
  color: var(--gray-400);
  display: none;
}
.no-results svg { width: 48px; height: 48px; stroke: var(--gray-300); fill: none; margin: 0 auto 16px; }
.no-results p { font-size: 1rem; }

/* Pagination */
.pagination {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 6px;
  margin-top: 56px;
}
.pg-btn {
  width: 38px; height: 38px;
  border-radius: var(--radius-sm);
  font-size: 0.87rem;
  font-weight: 600;
  color: var(--gray-600);
  border: 1.5px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition);
  cursor: pointer;
}
.pg-btn:hover, .pg-btn.active {
  background: var(--blue-primary);
  color: white;
  border-color: var(--blue-primary);
}
.pg-btn svg { width: 14px; height: 14px; stroke: currentColor; fill: none; stroke-width: 2.5; }

/* Newsletter */
.newsletter { background: var(--blue-pale); }
.newsletter-inner {
  max-width: 600px;
  margin: 0 auto;
  text-align: center;
}
.newsletter-form {
  display: flex;
  gap: 10px;
  margin-top: 28px;
}
.newsletter-form input {
  flex: 1;
  padding: 13px 18px;
  border: 2px solid var(--blue-mid);
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.93rem;
  color: var(--gray-800);
  outline: none;
  background: white;
  transition: border-color var(--transition);
}
.newsletter-form input:focus { border-color: var(--blue-primary); }
.newsletter-success {
  display: none;
  color: var(--green);
  font-weight: 600;
  font-size: 0.93rem;
  margin-top: 12px;
  align-items: center;
  gap: 8px;
  justify-content: center;
}
.newsletter-success.show { display: flex; }

/* ============================================
   CONTACT PAGE
   ============================================ */
.contact-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 56px;
  margin-top: 56px;
}
.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-100);
}
.contact-form-wrap h3 { font-size: 1.3rem; font-weight: 800; color: var(--navy); margin-bottom: 8px; letter-spacing: -0.02em; }
.contact-form-wrap > p { font-size: 0.87rem; color: var(--gray-500); margin-bottom: 32px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray-600);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.form-group input, .form-group select, .form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.93rem;
  color: var(--gray-800);
  outline: none;
  transition: border-color var(--transition);
  background: var(--gray-50);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--blue-primary);
  background: white;
}
.form-group textarea { resize: vertical; min-height: 130px; }
.form-group.has-error input, .form-group.has-error textarea, .form-group.has-error select { border-color: var(--red); }
.field-error { font-size: 0.78rem; color: var(--red); margin-top: 5px; display: none; }
.form-group.has-error .field-error { display: block; }

.contact-info-side { display: flex; flex-direction: column; gap: 24px; }
.contact-info-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--gray-100);
}
.contact-info-box h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 18px; }
.cib-item {
  display: flex;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid var(--gray-100);
}
.cib-item:last-child { border-bottom: none; padding-bottom: 0; }
.cib-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: var(--blue-pale);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.cib-icon svg { width: 18px; height: 18px; stroke: var(--blue-primary); fill: none; stroke-width: 2; }
.cib-text strong { font-size: 0.88rem; font-weight: 700; color: var(--gray-800); display: block; }
.cib-text span { font-size: 0.83rem; color: var(--gray-500); }

.hours-list { display: flex; flex-direction: column; gap: 10px; }
.hours-item { display: flex; justify-content: space-between; font-size: 0.85rem; }
.hours-item span:first-child { color: var(--gray-600); font-weight: 500; }
.hours-item span:last-child { color: var(--gray-800); font-weight: 600; }

/* Map Placeholder */
.map-section { background: var(--gray-50); }
.map-placeholder {
  height: 380px;
  background: linear-gradient(135deg, var(--blue-pale) 0%, var(--blue-mid) 100%);
  border-radius: var(--radius-xl);
  margin-top: 48px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  color: var(--blue-primary);
  gap: 14px;
  border: 1px solid var(--blue-mid);
}
.map-placeholder svg { width: 56px; height: 56px; stroke: var(--blue-primary); fill: none; stroke-width: 1.5; opacity: 0.6; }
.map-placeholder p { font-size: 0.9rem; color: var(--gray-500); font-weight: 500; }

/* Thank You Modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.6);
  backdrop-filter: blur(4px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition);
}
.modal-overlay.open { opacity: 1; pointer-events: all; }
.modal-box {
  background: white;
  border-radius: var(--radius-xl);
  padding: 48px 40px;
  max-width: 440px;
  width: 100%;
  text-align: center;
  transform: scale(0.95) translateY(10px);
  transition: transform var(--transition);
  box-shadow: var(--shadow-lg);
}
.modal-overlay.open .modal-box { transform: scale(1) translateY(0); }
.modal-icon {
  width: 72px; height: 72px;
  background: var(--green-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
}
.modal-icon svg { width: 36px; height: 36px; stroke: var(--green); fill: none; stroke-width: 2.5; }
.modal-box h3 { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin-bottom: 12px; letter-spacing: -0.02em; }
.modal-box p { font-size: 0.9rem; color: var(--gray-500); line-height: 1.7; margin-bottom: 28px; }
.modal-close-btn { width: 100%; }

/* ============================================
   ANIMATIONS
   ============================================ */
.fade-in { opacity: 1; transform: none; }
.fade-in.visible { opacity: 1; transform: none; }
.fade-in-delay-1, .fade-in-delay-2, .fade-in-delay-3, .fade-in-delay-4, .fade-in-delay-5 { transition-delay: 0s; }

/* ============================================
   RESPONSIVE — TABLET
   ============================================ */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 56px; }
  .hero-visual { display: none; }
  .about-grid { grid-template-columns: 1fr; gap: 48px; }
  .about-image-block { display: none; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .benefits-inner { grid-template-columns: 1fr; gap: 48px; }
  .faq-grid { grid-template-columns: 1fr; }
  .faq-cta-box { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .solutions-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; }
  .calc-body { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .mission-vision { grid-template-columns: 1fr; }
  .page-hero-split { min-height: 360px; padding: 130px 0 64px; }
}

/* ============================================
   RESPONSIVE — MOBILE
   ============================================ */
@media (max-width: 640px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .section-pad { padding: 64px 0; }
  .hero { padding-top: 110px; padding-bottom: 64px; }
  .hero-stats { gap: 24px; flex-wrap: wrap; }
  .services-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }
  /* Footer: Quick Links beside Services on mobile */
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-col:last-child { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .solutions-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .newsletter-form { flex-direction: column; }
  .trust-bar-inner { gap: 20px; }
  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 24px; }
  .modal-box { padding: 32px 24px; }
  .hero-actions { flex-direction: column; }
  .final-cta-actions { flex-direction: column; align-items: center; }
  .hero-stats { flex-wrap: wrap; }
  .blog-categories { gap: 8px; }
  .comparison-table th, .comparison-table td { padding: 12px 14px; font-size: 0.8rem; }
  /* About stat cards: smaller on mobile */
  .about-stat-card { min-width: 100px; padding: 10px 14px; }
  .about-stat-card .num { font-size: 1.1rem; }
  .about-stat-card.card-a { left: -8px; bottom: 16px; }
  .about-stat-card.card-b { right: -8px; top: 16px; }
  /* Roadmap Q&A: 2-column grid so cards look more square */
  .roadmap-track { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  .roadmap-track::before { display: none; }
  .roadmap-item { flex-direction: column; align-items: center; text-align: center; gap: 8px; padding-bottom: 0; }
  .roadmap-dot { width: auto; padding-top: 0; }
  .rd-circle { width: 34px; height: 34px; font-size: 0.76rem; }
  .roadmap-content { padding: 12px 14px; }
  .roadmap-content h4 { font-size: 0.85rem; margin-bottom: 6px; }
  .roadmap-content p { font-size: 0.78rem; line-height: 1.5; margin: 0; }
  .roadmap-tag { font-size: 0.68rem; margin-top: 8px; }
  /* Contact page testimonials: prevent height overflow */
  .map-placeholder { height: auto !important; }
  .page-hero-split { min-height: 300px; padding: 110px 0 52px; }
}

/* ============================================
   SERVICE DETAIL PAGES
   ============================================ */
.service-detail-wrap { max-width: 860px; margin: 0 auto; }

.svc-warning {
  background: #fffbeb;
  border: 1px solid #fcd34d;
  border-left: 4px solid #f59e0b;
  border-radius: var(--radius-md);
  padding: 18px 22px;
  margin-bottom: 40px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.svc-warning-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.svc-warning p { font-size: 0.84rem; color: #78350f; line-height: 1.75; margin: 0; }

.svc-section { margin-bottom: 36px; padding-bottom: 36px; border-bottom: 1px solid var(--gray-100); }
.svc-section:last-of-type { border-bottom: none; padding-bottom: 0; margin-bottom: 0; }
.svc-section h2 { font-size: 1.08rem; font-weight: 800; color: var(--navy); margin-bottom: 14px; display: flex; align-items: center; gap: 10px; }
.svc-section-icon { width: 28px; height: 28px; background: var(--blue-primary); border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; }
.svc-section-icon svg { width: 14px; height: 14px; stroke: white; fill: none; stroke-width: 2.5; }
.svc-section p { color: var(--gray-600); line-height: 1.78; font-size: 0.94rem; margin-bottom: 10px; }
.svc-section p:last-child { margin-bottom: 0; }

.svc-risk-list { list-style: none; padding: 0; margin: 14px 0 0; display: flex; flex-direction: column; gap: 10px; }
.svc-risk-item { display: flex; gap: 14px; align-items: flex-start; background: #fffbeb; border: 1px solid #fde68a; border-radius: var(--radius-md); padding: 14px 18px; }
.svc-risk-icon { flex-shrink: 0; width: 26px; height: 26px; background: #f59e0b; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-size: 0.78rem; font-weight: 900; margin-top: 1px; }
.svc-risk-content strong { display: block; font-size: 0.9rem; color: var(--navy); font-weight: 700; margin-bottom: 3px; }
.svc-risk-content span { font-size: 0.84rem; color: #78350f; line-height: 1.65; }

.svc-steps { display: flex; flex-direction: column; gap: 14px; margin-top: 16px; }
.svc-step { display: flex; gap: 16px; align-items: flex-start; padding: 16px 18px; background: var(--blue-pale); border-radius: var(--radius-md); border: 1px solid var(--blue-mid); }
.svc-step-num { flex-shrink: 0; width: 30px; height: 30px; background: var(--blue-primary); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.78rem; font-weight: 800; margin-top: 2px; }
.svc-step-body strong { display: block; font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.svc-step-body span { font-size: 0.84rem; color: var(--gray-600); line-height: 1.65; }

.svc-help-list { list-style: none; padding: 0; margin: 14px 0 0; display: flex; flex-direction: column; gap: 10px; }
.svc-help-item { display: flex; gap: 12px; align-items: flex-start; font-size: 0.9rem; color: var(--gray-600); line-height: 1.7; padding: 10px 14px; background: white; border: 1px solid var(--gray-100); border-radius: var(--radius-sm); }
.svc-help-item::before { content: '→'; color: var(--blue-primary); font-weight: 800; flex-shrink: 0; }

.svc-advice-box { background: linear-gradient(135deg, #0d1a2e 0%, var(--navy) 100%); border-radius: var(--radius-lg); padding: 32px; margin-top: 40px; }
.svc-advice-box h3 { color: white; font-size: 1.05rem; font-weight: 800; margin-bottom: 10px; letter-spacing: -0.01em; }
.svc-advice-box > p { color: rgba(255,255,255,0.68); font-size: 0.86rem; line-height: 1.75; margin-bottom: 18px; }
.svc-advice-links { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 22px; }
.svc-advice-link { background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.85); padding: 7px 14px; border-radius: 100px; font-size: 0.8rem; font-weight: 600; text-decoration: none; border: 1px solid rgba(255,255,255,0.18); transition: background 0.2s; display: inline-block; }
.svc-advice-link:hover { background: rgba(255,255,255,0.2); }

.svc-cta-strip { background: var(--blue-pale); border: 1px solid var(--blue-mid); border-radius: var(--radius-lg); padding: 28px 32px; margin-top: 40px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.svc-cta-strip h3 { font-size: 1.05rem; font-weight: 800; color: var(--navy); margin-bottom: 6px; }
.svc-cta-strip p { font-size: 0.86rem; color: var(--gray-600); line-height: 1.6; margin: 0; }

@media (max-width: 640px) {
  .svc-cta-strip { flex-direction: column; text-align: center; }
  .svc-advice-box { padding: 24px 20px; }
  .svc-step { gap: 12px; padding: 14px; }
}

/* ============================================
   IMAGE SLOTS — Replace src to add real photos
   ============================================ */

/* Hero photo frame */
.hero-img-frame {
  border-radius: var(--radius-xl);
  overflow: hidden;
  height: 260px;
  background: rgba(255,255,255,0.06);
  border: 2px dashed rgba(255,255,255,0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  margin-bottom: 24px;
  transition: border-color var(--transition);
}
.hero-img-frame:hover { border-color: rgba(255,255,255,0.32); }
.hero-person-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  border-radius: var(--radius-xl);
}
.hero-img-hint {
  text-align: center;
  color: rgba(255,255,255,0.28);
  pointer-events: none;
}
.hero-img-hint svg {
  width: 52px; height: 52px;
  stroke: rgba(255,255,255,0.18);
  fill: none;
  stroke-width: 1.5;
  display: block;
  margin: 0 auto 10px;
}
.hero-img-hint p { font-size: 0.78rem; line-height: 1.65; }
.hero-img-hint code {
  font-size: 0.7rem;
  background: rgba(255,255,255,0.08);
  padding: 2px 8px;
  border-radius: 4px;
  font-family: monospace;
  display: inline-block;
  margin-top: 4px;
  color: rgba(255,255,255,0.35);
}

/* About section real image */
.about-real-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  border-radius: var(--radius-xl);
  z-index: 1;
}
.about-stat-card { z-index: 3; }
.about-img-inner { position: relative; z-index: 0; }

/* ============================================
   TEAM SECTION
   ============================================ */
.team-section { }
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 52px;
}
.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-100);
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
}
.team-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: transparent; }
.team-photo {
  height: 240px;
  background: linear-gradient(135deg, var(--blue-pale) 0%, var(--blue-mid) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.team-photo img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top;
}
.team-photo-icon {
  width: 88px; height: 88px;
  border-radius: 50%;
  background: rgba(37,99,235,0.1);
  border: 2px solid rgba(37,99,235,0.15);
  display: flex; align-items: center; justify-content: center;
}
.team-photo-icon svg {
  width: 44px; height: 44px;
  stroke: var(--blue-primary);
  fill: none;
  stroke-width: 1.5;
}
.team-info { padding: 26px; }
.team-info h4 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.team-role {
  font-size: 0.78rem;
  color: var(--blue-primary);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 12px;
  display: block;
}
.team-bio { font-size: 0.85rem; color: var(--gray-500); line-height: 1.65; }

@media (max-width: 1024px) {
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .about-image-block { display: block; }
  .about-img-placeholder { height: 320px; }
}
@media (max-width: 640px) {
  .team-grid { grid-template-columns: 1fr; }
  .about-img-placeholder { height: 320px; }
  .about-real-img { padding: 0 !important; object-fit: cover !important; }
  .about-logo-img { object-fit: contain !important; padding: 20px !important; }
}

/* ============================================
   POLICY PAGES (Privacy / Terms / Cookie)
   ============================================ */
.policy-wrap { max-width: 820px; margin: 0 auto; }
.policy-effective {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--blue-pale); color: var(--blue-primary);
  padding: 8px 18px; border-radius: 20px; font-size: 0.82rem;
  font-weight: 600; margin-bottom: 40px; border: 1px solid var(--blue-mid);
}
.policy-section {
  margin-bottom: 36px; padding-bottom: 36px;
  border-bottom: 1px solid var(--gray-100);
}
.policy-section:last-child { margin-bottom: 0; padding-bottom: 0; border-bottom: none; }
.policy-section h2 {
  font-size: 1.05rem; font-weight: 700; color: var(--navy);
  margin-bottom: 12px; display: flex; align-items: center; gap: 10px;
}
.policy-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 28px; height: 28px; background: var(--blue-primary);
  color: white; border-radius: 50%; font-size: 0.78rem;
  font-weight: 800; flex-shrink: 0;
}
.policy-section p { color: var(--gray-600); line-height: 1.78; margin-bottom: 10px; font-size: 0.95rem; }
.policy-section p:last-child { margin-bottom: 0; }
.policy-section ul { list-style: none; padding: 0; margin: 8px 0 4px; }
.policy-section ul li {
  padding: 5px 0 5px 24px; position: relative;
  color: var(--gray-600); font-size: 0.94rem; line-height: 1.65;
}
.policy-section ul li::before {
  content: '→'; position: absolute; left: 0;
  color: var(--blue-primary); font-weight: 700; font-size: 0.82rem; top: 6px;
}
.policy-contact-box {
  background: var(--blue-pale); border: 1px solid var(--blue-mid);
  border-radius: var(--radius-lg); padding: 28px 32px; margin-top: 8px;
}
.policy-contact-box p { color: var(--navy); font-size: 0.95rem; line-height: 1.8; }
.policy-contact-box a { color: var(--blue-primary); text-decoration: none; font-weight: 500; }
.policy-contact-box a:hover { text-decoration: underline; }

/* ============================================
   DISCLAIMER STRIP
   ============================================ */
.site-disclaimer {
  background: #0d1a2e;
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 40px 0 32px;
  text-align: center;
}
.site-disclaimer-inner {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 24px;
}
.site-disclaimer p {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.75;
  margin-bottom: 10px;
}
.site-disclaimer p:last-child { margin-bottom: 0; }
.site-disclaimer .disclaimer-copy {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.07);
  font-size: 0.75rem;
  color: rgba(255,255,255,0.25);
  letter-spacing: 0.01em;
}

/* Smooth scrollbar */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--gray-100); }
::-webkit-scrollbar-thumb { background: var(--gray-300); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--blue-primary); }