/* =========================================================
   Custom Finance Services — Global Stylesheet
   ========================================================= */

:root {
  --navy:        #0b2545;
  --navy-800:    #0a1f3a;
  --navy-700:    #123358;
  --navy-600:    #173f6b;
  --teal:        #14b8a6;
  --teal-dark:   #0f9488;
  --gold:        #d9a441;
  --gold-dark:   #b9862c;
  --ink:         #1d2833;
  --muted:       #5c6b7a;
  --line:        #e4e9f0;
  --light:       #f4f7fb;
  --white:       #ffffff;
  --shadow-sm:   0 4px 14px rgba(11, 37, 69, 0.08);
  --shadow-md:   0 14px 34px rgba(11, 37, 69, 0.12);
  --radius:      14px;
  --space:       4.5rem;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  color: var(--navy);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

a { color: var(--teal-dark); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--navy-600); }

img { max-width: 100%; }

/* ---------- Buttons ---------- */
.btn {
  font-weight: 600;
  border-radius: 50rem;
  padding: .62rem 1.5rem;
  letter-spacing: .01em;
  transition: all .2s ease;
}
.btn-gold {
  background: var(--gold);
  border: 1px solid var(--gold);
  color: #2b2107;
}
.btn-gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); color: #fff; }

.btn-outline-light-navy {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,.55);
  color: #fff;
}
.btn-outline-light-navy:hover { background: #fff; color: var(--navy); border-color: #fff; }

.btn-navy { background: var(--navy); border: 1px solid var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-600); border-color: var(--navy-600); color: #fff; }

.btn-outline-navy {
  background: transparent; border: 1.5px solid var(--navy); color: var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: #fff; }

/* ---------- Utilities ---------- */
.text-muted-2 { color: var(--muted); }
.text-teal { color: var(--teal-dark); }
.text-gold { color: var(--gold-dark); }
.bg-navy { background: var(--navy); }
.bg-light-2 { background: var(--light); }
.bg-soft-teal { background: #e7f6f4; }
.section { padding: var(--space) 0; }
.eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: .16em;
  font-size: .78rem;
  font-weight: 700;
  color: var(--gold-dark);
  margin-bottom: .6rem;
}
.lead-sm { font-size: 1.05rem; color: var(--muted); }

.section-title { margin-bottom: .5rem; }
.section-sub { color: var(--muted); max-width: 640px; }

/* Section heading centered block */
.section-head { text-align: center; max-width: 720px; margin: 0 auto 3rem; }

.divider-dot {
  width: 46px; height: 4px; border-radius: 3px;
  background: var(--gold);
  margin: 1.1rem auto 0;
}
.divider-dot.left { margin-left: 0; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-800);
  color: #cdd8e6;
  font-size: .85rem;
  padding: .5rem 0;
}
.topbar a { color: #e5edf7; }
.topbar a:hover { color: #fff; }
.topbar .sep { color: #40536b; padding: 0 .5rem; }
.topbar i { color: var(--gold); }

/* ---------- Navbar ---------- */
.navbar {
  background: #fff;
  border-bottom: 1px solid var(--line);
  padding-top: .9rem;
  padding-bottom: .9rem;
  box-shadow: 0 2px 12px rgba(11,37,69,.04);
}
.navbar .navbar-brand { display: flex; align-items: center; gap: .6rem; font-weight: 800; }
.brand-mark {
  width: 42px; height: 42px; border-radius: 11px;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  display: inline-flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 800; font-size: 1rem;
}
.brand-name {
  color: var(--navy); font-size: 1.15rem; font-weight: 800; line-height: 1.05;
}
.brand-name span { display: block; font-size: .72rem; font-weight: 600; letter-spacing: .12em;
  text-transform: uppercase; color: var(--gold-dark); }

.navbar .nav-link {
  color: var(--navy); font-weight: 600; margin: 0 .15rem;
  padding: .5rem .7rem !important;
}
.navbar .nav-link:hover, .navbar .nav-link.active { color: var(--gold-dark); }
.navbar .btn-gold { margin-left: .5rem; padding: .5rem 1.2rem; }

@media (max-width: 991.98px) {
  .navbar-nav { margin-top: .8rem; }
  .navbar .btn-gold { margin: .6rem 0 0; }
}

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1200px 600px at 85% -10%, rgba(20,184,166,.35), transparent 60%),
    radial-gradient(900px 500px at 0% 110%, rgba(217,164,65,.18), transparent 55%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 55%, var(--navy-600) 100%);
  color: #eaf1f9;
  padding: 6rem 0 7rem;
  position: relative;
  overflow: hidden;
}
.hero h1 { color: #fff; font-size: clamp(1.9rem, 4vw, 3.1rem); }
.hero p.lead { color: #c3d2e2; font-size: 1.12rem; }
.hero .lead-word { color: #fff; font-weight: 700; }

.hero .list-check { list-style: none; padding: 0; margin: 1.5rem 0 0; }
.hero .list-check li {
  color: #dbe7f3; margin-bottom: .55rem; display: flex; align-items: center; gap: .6rem;
}
.hero .list-check i { color: var(--gold); flex: none; }

.hero-form {
  background: #fff; border-radius: 18px; padding: 1.9rem; box-shadow: var(--shadow-md);
}
.hero-form h3 { font-size: 1.2rem; margin-bottom: 1.2rem; }
.hero-form .form-label { font-weight: 600; font-size: .86rem; color: var(--navy); }
.hero-form .btn { width: 100%; }

.stat-strip {
  margin-top: 3rem; padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,.14);
  color: #eaf1f9;
}
.stat-strip .num { font-size: 1.9rem; font-weight: 800; color: #fff; }
.stat-strip .lbl { font-size: .9rem; color: #a9bcd0; }
.stat-strip .num i { color: var(--gold); font-size: 1.4rem; }

/* ---------- Cards ---------- */
.card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: transform .25s ease, box-shadow .25s ease;
  background: #fff;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.card .card-body { padding: 1.9rem; }
.card-icon {
  width: 58px; height: 58px; border-radius: 14px;
  background: #e7f6f4; color: var(--teal-dark);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 1.15rem;
}
.card-icon.gold { background: #fbf1dc; color: var(--gold-dark); }
.card-icon.navy { background: #e8eef7; color: var(--navy); }
.card .card-title { font-size: 1.15rem; }

/* ---------- Feature list ---------- */
.feature-list { list-style: none; padding: 0; margin: 0; }
.feature-list li {
  display: flex; align-items: flex-start; gap: .85rem; margin-bottom: 1.1rem;
}
.feature-list .fx {
  flex: none; width: 30px; height: 30px; border-radius: 50%;
  background: var(--teal); color: #fff; display: inline-flex;
  align-items: center; justify-content: center; font-size: .85rem; margin-top: .1rem;
}
.feature-list h5 { font-size: 1.02rem; margin: 0 0 .15rem; }
.feature-list p { margin: 0; color: var(--muted); }

/* ---------- Steps ---------- */
.step-card { text-align: center; padding: 1.5rem; }
.step-num {
  width: 64px; height: 64px; border-radius: 50%;
  margin: 0 auto 1rem; display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; font-weight: 800; color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--navy-600));
}

/* ---------- Testimonial ---------- */
.testimonial { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-sm);
  border: 1px solid var(--line); padding: 2rem; height: 100%; }
.testimonial .quote { font-size: 2.4rem; color: var(--gold); line-height: 1; }
.testimonial p { color: var(--muted); }
.testimonial .who { font-weight: 700; color: var(--navy); }
.avatar {
  width: 46px; height: 46px; border-radius: 50%;
  background: linear-gradient(135deg, var(--teal), var(--navy));
  color:#fff; display:inline-flex; align-items:center; justify-content:center;
  font-weight:800; font-size:1rem;
}
.rating { color: var(--gold); }

/* ---------- CTA banner ---------- */
.cta-banner {
  background:
    radial-gradient(800px 400px at 90% 10%, rgba(20,184,166,.35), transparent 60%),
    linear-gradient(135deg, var(--navy), var(--navy-700));
  border-radius: 20px; color: #eaf1f9; padding: 3rem;
}
.cta-banner h2 { color: #fff; }
.cta-banner p { color: #c3d2e2; }

/* ---------- Page banner (inner pages) ---------- */
.page-banner {
  background:
    radial-gradient(900px 400px at 90% -20%, rgba(20,184,166,.3), transparent 60%),
    linear-gradient(160deg, var(--navy), var(--navy-700));
  color: #eaf1f9; padding: 4.5rem 0; text-align: center;
}
.page-banner h1 { color: #fff; }
.page-banner .crumbs { color: #a9bcd0; font-size: .92rem; }
.page-banner .crumbs a { color: #dbe7f3; }
.page-banner .crumbs a:hover { color: #fff; }
.page-banner .crumbs .sep { padding: 0 .4rem; color: #4a5e78; }

/* ---------- Stats / numbers ---------- */
.number-stat { text-align: center; }
.number-stat .n { font-size: 2.4rem; font-weight: 800; color: var(--navy); }
.number-stat .t { color: var(--muted); }

/* ---------- Service detail blocks ---------- */
.service-row .feat-icon {
  width: 70px; height: 70px; border-radius: 16px; background: #e7f6f4; color: var(--teal-dark);
  display: inline-flex; align-items: center; justify-content: center; font-size: 2rem; margin-bottom: 1rem;
}

/* ---------- About ---------- */
.about-image-wrap {
  position: relative; border-radius: 18px; overflow: hidden; box-shadow: var(--shadow-md);
}
.about-image-wrap img { width: 100%; height: 100%; object-fit: cover; }
.exp-badge {
  position: absolute; bottom: 18px; left: 18px; background: var(--navy); color: #fff;
  border-radius: 14px; padding: 1rem 1.3rem; box-shadow: var(--shadow-md);
}
.exp-badge .e-num { font-size: 1.6rem; font-weight: 800; color: var(--gold); line-height: 1; }
.exp-badge .e-lbl { font-size: .82rem; color: #c3d2e2; }

/* ---------- Contact page ---------- */
.contact-info-card { border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem; background: #fff; box-shadow: var(--shadow-sm); }
.contact-info-card .ic {
  width: 50px; height: 50px; border-radius: 12px; background: #e7f6f4; color: var(--teal-dark);
  display: inline-flex; align-items: center; justify-content: center; font-size: 1.3rem; margin-bottom: .9rem;
}
.contact-info-card h5 { font-size: 1.05rem; }
.contact-info-card p { color: var(--muted); margin: 0; }

.form-control, .form-select {
  border-radius: 12px; padding: .7rem .9rem; border: 1px solid var(--line);
}
.form-control:focus, .form-select:focus {
  border-color: var(--teal); box-shadow: 0 0 0 .2rem rgba(20,184,166,.15);
}

/* ---------- Blog ---------- */
.blog-card .card-img-wrap { border-radius: var(--radius) var(--radius) 0 0; overflow: hidden; }
.blog-card .card-img-wrap svg, .blog-card .card-img-wrap img { width: 100%; display: block; }
.blog-card .tag {
  display: inline-block; background: #e7f6f4; color: var(--teal-dark);
  font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em;
  padding: .3rem .7rem; border-radius: 50rem;
}
.blog-meta { color: var(--muted); font-size: .88rem; }
.blog-meta span { display: inline-flex; align-items: center; gap: .35rem; }

.article-body h3 { margin-top: 1.8rem; }
.article-body p { color: #2a3644; margin-bottom: 1.1rem; }
.article-body ul, .article-body ol { color: #2a3644; }
.pull-card {
  background: #e7f6f4; border-left: 4px solid var(--teal); border-radius: 0 12px 12px 0;
  padding: 1.2rem 1.4rem; margin: 1.6rem 0;
}

/* ---------- Timeline / value cards ---------- */
.value-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.8rem; background:#fff; height:100%; box-shadow: var(--shadow-sm); }
.value-card .ic {
  width: 52px; height: 52px; border-radius: 13px; background: #e8eef7; color: var(--navy);
  display: inline-flex; align-items:center; justify-content:center; font-size: 1.35rem; margin-bottom: 1rem;
}

/* ---------- Footer ---------- */
.footer { background: var(--navy-800); color: #b7c6d7; padding-top: 4rem; }
.footer h5 { color: #fff; font-size: 1rem; margin-bottom: 1.1rem; }
.footer a { color: #b7c6d7; }
.footer a:hover { color: #fff; }
.footer .brand-name { color: #fff; }
.footer .f-list { list-style: none; padding: 0; margin: 0; }
.footer .f-list li { margin-bottom: .6rem; }
.footer .f-list i { color: var(--gold); margin-right: .45rem; font-size: .8rem; }
.footer .social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,.08);
  color:#fff; margin-right: .4rem;
}
.footer .social a:hover { background: var(--gold); color: #2b2107; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08); margin-top: 3rem; padding: 1.4rem 0;
  font-size: .85rem; color: #8a9bb0;
}
.footer-bottom a { color: #b7c6d7; }

/* ---------- Success / info states ---------- */
.state-box {
  max-width: 560px; margin: 0 auto; text-align: center;
  background: #fff; border: 1px solid var(--line); border-radius: 20px;
  padding: 3.2rem; box-shadow: var(--shadow-md);
}
.state-box .ic {
  width: 82px; height: 82px; border-radius: 50%; margin: 0 auto 1.4rem;
  display: flex; align-items: center; justify-content: center; font-size: 2.2rem;
}
.state-box .ic.ok { background: #e7f6f4; color: var(--teal-dark); }
.state-box .ic.warn { background: #fdf1ea; color: #d97741; }

/* ---------- Back to top ---------- */
.to-top {
  position: fixed; right: 22px; bottom: 22px; z-index: 1000;
  width: 48px; height: 48px; border-radius: 50%; border: none;
  background: var(--navy); color: #fff; box-shadow: var(--shadow-md);
  opacity: 0; visibility: hidden; transition: all .25s ease; cursor: pointer;
}
.to-top.show { opacity: 1; visibility: visible; }
.to-top:hover { background: var(--gold); color: #2b2107; }

/* ---------- Responsive tweaks ---------- */
@media (max-width: 767.98px) {
  :root { --space: 3rem; }
  .hero { padding: 4rem 0 4.5rem; }
  .cta-banner { padding: 2.2rem; }
  .topbar { font-size: .78rem; }
}