/* =========================================================
   FINANCIAL GROW ZONE — main stylesheet
   Palette: deep navy · emerald green · warm gold · soft blue
   ========================================================= */

:root {
  --navy: #0b2545;
  --navy-deep: #071a31;
  --navy-soft: #14356b;
  --blue: #2166ac;
  --teal: #0e8a6d;
  --green: #16a34a;
  --green-dark: #117a37;
  --green-soft: #e7f7ef;
  --gold: #f2a91e;
  --gold-dark: #d98e0b;
  --red: #e05252;
  --ink: #1c2e44;
  --muted: #5d6f85;
  --light: #f4f8fc;
  --line: #e2ebf4;
  --white: #ffffff;
  --shadow-sm: 0 6px 18px rgba(11, 37, 69, .07);
  --shadow-md: 0 14px 34px rgba(11, 37, 69, .13);
  --shadow-lg: 0 26px 55px rgba(11, 37, 69, .20);
}

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 { font-weight: 800; color: var(--navy); line-height: 1.25; }
a { text-decoration: none; }
::selection { background: rgba(242, 169, 30, .35); }
img { max-width: 100%; }

/* ---------- generic section helpers ---------- */
.section { padding: 5.5rem 0; }
.section-label {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--green-dark);
  background: var(--green-soft);
  border: 1px solid rgba(22, 163, 74, .25);
  padding: .4rem 1.05rem;
  border-radius: 50px;
  margin-bottom: 1rem;
}
.section-label.light {
  color: #ffd97a;
  background: rgba(242, 169, 30, .12);
  border-color: rgba(242, 169, 30, .4);
}
.section-title {
  font-size: clamp(1.8rem, 3.4vw, 2.5rem);
  color: var(--navy);
  line-height: 1.25;
}
.section-title.light { color: #fff; }
.section-sub { color: var(--muted); max-width: 660px; }
.bg-light-custom { background: var(--light); }

/* ---------- buttons ---------- */
.btn { border-radius: 50px; font-weight: 700; letter-spacing: .01em; transition: all .3s ease; }
.btn-gold {
  background: linear-gradient(135deg, #f6b21b, #ef8f12);
  color: #3a2500;
  border: none;
  padding: .7rem 1.7rem;
  box-shadow: 0 8px 20px rgba(242, 169, 30, .35);
}
.btn-gold:hover {
  background: linear-gradient(135deg, #e99f06, #d97f08);
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 14px 28px rgba(242, 169, 30, .45);
}
.btn-navy {
  background: var(--navy);
  color: #fff;
  border: none;
  padding: .7rem 1.7rem;
  box-shadow: 0 8px 20px rgba(11, 37, 69, .25);
}
.btn-navy:hover {
  background: var(--navy-soft);
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 14px 28px rgba(11, 37, 69, .35);
}
.btn-green {
  background: var(--green);
  color: #fff;
  border: none;
  padding: .65rem 1.6rem;
  box-shadow: 0 8px 18px rgba(22, 163, 74, .3);
}
.btn-green:hover {
  background: var(--green-dark);
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 14px 26px rgba(22, 163, 74, .4);
}
.btn-ghost {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255, 255, 255, .55);
  padding: .65rem 1.6rem;
}
.btn-ghost:hover {
  background: #fff;
  color: var(--navy);
  border-color: #fff;
  transform: translateY(-3px);
}
.btn-outline-dark {
  background: transparent;
  color: #3a2500;
  border: 2px solid rgba(58, 37, 0, .55);
  padding: .65rem 1.6rem;
}
.btn-outline-dark:hover { background: #3a2500; color: #ffd97a; transform: translateY(-3px); }
.btn-lg-custom { padding: .95rem 2.1rem; font-size: 1.05rem; }

.btn .arrow-ico { transition: transform .3s ease; }
.btn:hover .arrow-ico { transform: translateX(5px); }

/* ---------- top bar ---------- */
.topbar {
  background: var(--navy-deep);
  color: #c9d8ec;
  font-size: .84rem;
  padding: .55rem 0;
}
.topbar-item {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  color: #c9d8ec;
  transition: color .25s ease;
}
.topbar-item:hover { color: #ffd97a; }
.topbar-item svg { width: 15px; height: 15px; stroke: var(--gold); flex-shrink: 0; }

/* ---------- navbar ---------- */
.custom-navbar {
  background: rgba(255, 255, 255, .97);
  backdrop-filter: blur(8px);
  box-shadow: 0 2px 18px rgba(11, 37, 69, .08);
  padding: .8rem 0;
}
.brand-mark {
  width: 44px;
  height: 44px;
  border-radius: 13px;
  background: linear-gradient(135deg, var(--green), var(--teal));
  display: grid;
  place-items: center;
  color: #fff;
  box-shadow: 0 6px 14px rgba(22, 163, 74, .35);
  flex-shrink: 0;
}
.brand-mark svg { width: 24px; height: 24px; }
.brand-text { font-size: 1.28rem; font-weight: 800; color: var(--navy); white-space: nowrap; }
.brand-text em { font-style: normal; color: var(--green); }
.custom-navbar .nav-link {
  color: #33465e;
  font-weight: 600;
  padding: .55rem .95rem;
  position: relative;
  margin: 0 .1rem;
  transition: color .25s ease;
}
.custom-navbar .nav-link:hover { color: var(--green); }
.custom-navbar .nav-link.active { color: var(--green); }
.custom-navbar .nav-link.active::after {
  content: "";
  position: absolute;
  left: .95rem;
  right: .95rem;
  bottom: .1rem;
  height: 3px;
  border-radius: 3px;
  background: var(--gold);
}
.btn-nav { padding: .55rem 1.5rem; }
@media (max-width: 991.98px) {
  .custom-navbar .navbar-collapse {
    background: #fff;
    border-radius: 16px;
    box-shadow: var(--shadow-md);
    padding: 1rem;
    margin-top: .8rem;
  }
  .custom-navbar .nav-link { display: block; padding: .6rem 1rem; }
  .custom-navbar .nav-link.active::after { display: none; }
}

/* ---------- hero ---------- */
.hero {
  position: relative;
  color: #fff;
  padding: 5.5rem 0 6.5rem;
  overflow: hidden;
  background:
    radial-gradient(1100px 560px at 88% -10%, rgba(22, 163, 74, .28), transparent 60%),
    radial-gradient(800px 500px at -10% 110%, rgba(242, 169, 30, .18), transparent 55%),
    linear-gradient(135deg, #081c36 0%, #0b2545 55%, #123a6b 100%);
}
.hero::before,
.hero::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .09);
}
.hero::before { width: 420px; height: 420px; top: -160px; right: -120px; }
.hero::after { width: 300px; height: 300px; bottom: -140px; left: -100px; }
.hero-badge {
  display: inline-block;
  background: rgba(255, 255, 255, .1);
  border: 1px solid rgba(255, 255, 255, .28);
  border-radius: 50px;
  padding: .45rem 1.15rem;
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: #ffd97a;
}
.hero-title {
  font-size: clamp(2.3rem, 5vw, 3.5rem);
  color: #fff;
  line-height: 1.15;
  font-weight: 800;
}
.hero-title .accent {
  color: var(--gold);
  position: relative;
  white-space: nowrap;
}
.hero-sub { color: #c9d8ec; max-width: 570px; font-size: 1.08rem; }
.hero-mini-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 1.2rem 2.8rem;
  margin-top: 2.6rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, .18);
}
.hms-num { font-size: 1.8rem; font-weight: 800; color: #fff; display: block; line-height: 1.2; }
.hms-label { color: #9fb4cf; font-size: .88rem; }
.hero-img-wrap { position: relative; }
.hero-img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  border-radius: 26px;
  border: 6px solid rgba(255, 255, 255, .12);
  box-shadow: 0 30px 60px rgba(0, 0, 0, .35);
}
.hero-glow {
  position: absolute;
  inset: 24px -22px -22px 22px;
  border-radius: 26px;
  border: 2px solid rgba(242, 169, 30, .55);
  z-index: -1;
}
.float-card {
  position: absolute;
  background: #fff;
  color: var(--navy);
  border-radius: 16px;
  padding: .85rem 1.1rem;
  box-shadow: 0 22px 44px rgba(0, 0, 0, .3);
  display: flex;
  gap: .75rem;
  align-items: center;
  z-index: 2;
}
.float-card strong { display: block; font-size: .95rem; line-height: 1.3; }
.fc-sub { font-size: .78rem; color: var(--muted); }
.fc-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.fc-icon svg { width: 22px; height: 22px; }
.fc-green { background: var(--green-soft); color: var(--green); }
.fc-gold { background: #fdf3e2; color: var(--gold-dark); }
.float-card-1 { left: -26px; bottom: 42px; }
.float-card-2 { right: -18px; top: 34px; }
@media (max-width: 991.98px) {
  .hero { padding: 4rem 0 5rem; }
  .hero-img { height: 380px; }
  .float-card-1 { left: 10px; }
  .float-card-2 { right: 10px; }
}

/* ---------- about section ---------- */
.about-img-wrap { position: relative; }
.about-img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  border-radius: 26px;
  box-shadow: var(--shadow-md);
}
.about-badge {
  position: absolute;
  top: 26px;
  left: -22px;
  background: linear-gradient(135deg, #f6b21b, #ef8f12);
  color: #3a2500;
  font-weight: 800;
  padding: 1rem 1.4rem;
  border-radius: 18px;
  box-shadow: 0 18px 36px rgba(242, 169, 30, .4);
  line-height: 1.3;
}
.about-badge .ab-num { display: block; font-size: 1.9rem; line-height: 1.15; }
.about-badge .ab-text { font-size: .82rem; font-weight: 700; }
@media (max-width: 575.98px) { .about-badge { left: 14px; } }
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { display: flex; gap: .7rem; align-items: flex-start; margin-bottom: .95rem; font-weight: 600; color: var(--ink); }
.check-list li svg {
  width: 22px;
  height: 22px;
  stroke: var(--green);
  flex-shrink: 0;
  margin-top: 2px;
}
.check-list li span { color: var(--muted); font-weight: 400; display: block; }

/* ---------- stats band ---------- */
.stats-band {
  background:
    radial-gradient(600px 300px at 90% 0%, rgba(255, 255, 255, .12), transparent 60%),
    linear-gradient(120deg, #0e8a6d, #16a34a);
  padding: 4rem 0;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.stats-band::before {
  content: "";
  position: absolute;
  width: 340px;
  height: 340px;
  border-radius: 50%;
  border: 2px dashed rgba(255, 255, 255, .18);
  left: -120px;
  top: -120px;
}
.stat-item { text-align: center; }
.stat-num {
  font-size: clamp(2rem, 4vw, 2.7rem);
  font-weight: 800;
  color: #fff;
  display: block;
  line-height: 1.2;
}
.stat-label { opacity: .9; margin: 0; font-size: .95rem; }

/* ---------- service cards ---------- */
.services-section { background: var(--light); }
.service-card {
  background: #fff;
  border-radius: 22px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform .35s ease, box-shadow .35s ease;
}
.service-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-md); }
.service-img { position: relative; height: 215px; overflow: hidden; }
.service-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .55s ease;
}
.service-card:hover .service-img img { transform: scale(1.07); }
.service-chip {
  position: absolute;
  bottom: -26px;
  left: 26px;
  width: 54px;
  height: 54px;
  border-radius: 15px;
  background: linear-gradient(135deg, var(--green), var(--teal));
  display: grid;
  place-items: center;
  color: #fff;
  box-shadow: 0 10px 22px rgba(22, 163, 74, .4);
  border: 3px solid #fff;
}
.service-chip svg { width: 26px; height: 26px; }
.service-body {
  padding: 2.4rem 1.7rem 1.8rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.service-title { font-size: 1.18rem; font-weight: 800; color: var(--navy); }
.service-desc { color: var(--muted); font-size: .95rem; flex: 1; }
.service-btn { width: 100%; margin-top: 1.2rem; justify-content: center; display: inline-flex; align-items: center; gap: .5rem; }

/* ---------- feature cards (why choose us) ---------- */
.feature-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 2.1rem 1.8rem;
  height: 100%;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.feature-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-md);
  border-color: rgba(22, 163, 74, .35);
}
.feature-icon {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  margin-bottom: 1.2rem;
}
.feature-icon svg { width: 28px; height: 28px; }
.fi-green { background: var(--green-soft); color: var(--green); }
.fi-gold { background: #fdf3e2; color: var(--gold-dark); }
.fi-blue { background: #e8f1fd; color: var(--blue); }
.fi-navy { background: #e9eefb; color: var(--navy); }
.feature-card h3 { font-size: 1.12rem; font-weight: 800; }
.feature-card p { color: var(--muted); font-size: .95rem; margin: 0; }

/* ---------- blog cards ---------- */
.blog-card {
  background: #fff;
  border-radius: 22px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform .35s ease, box-shadow .35s ease;
}
.blog-card:hover { transform: translateY(-10px); box-shadow: var(--shadow-md); }
.blog-img { height: 220px; overflow: hidden; }
.blog-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .55s ease; }
.blog-card:hover .blog-img img { transform: scale(1.07); }
.blog-body { padding: 1.8rem 1.7rem; display: flex; flex-direction: column; flex: 1; }
.blog-title-link {
  color: var(--navy);
  font-weight: 800;
  font-size: 1.14rem;
  line-height: 1.4;
  transition: color .25s ease;
}
.blog-title-link:hover { color: var(--green); }
.blog-excerpt { color: var(--muted); font-size: .95rem; flex: 1; }
.blog-btn { align-self: flex-start; margin-top: 1.1rem; }

/* ---------- testimonials ---------- */
.testimonial-section {
  background:
    radial-gradient(900px 480px at 95% -20%, rgba(22, 163, 74, .25), transparent 60%),
    linear-gradient(160deg, #0b2545 0%, #14356b 100%);
  position: relative;
  overflow: hidden;
}
.testimonial-card {
  background: rgba(255, 255, 255, .06);
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 22px;
  padding: 2rem 1.8rem;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform .35s ease, background .35s ease;
  position: relative;
}
.testimonial-card:hover { transform: translateY(-8px); background: rgba(255, 255, 255, .1); }
.t-quote-mark {
  position: absolute;
  top: 18px;
  right: 22px;
  font-size: 3.4rem;
  line-height: 1;
  color: rgba(242, 169, 30, .4);
  font-family: Georgia, serif;
}
.t-stars { display: flex; gap: 3px; margin-bottom: 1rem; }
.t-stars svg { width: 16px; height: 16px; fill: var(--gold); }
.t-text { color: #dbe7f5; font-size: .96rem; flex: 1; }
.t-name { color: #fff; font-weight: 700; margin-top: 1.3rem; display: flex; align-items: center; gap: .6rem; }
.t-name::before {
  content: "";
  width: 34px;
  height: 3px;
  border-radius: 3px;
  background: var(--gold);
}

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(500px 260px at 100% 0%, rgba(255, 255, 255, .25), transparent 60%),
    linear-gradient(120deg, #f6b21b, #ef8f12);
  border-radius: 28px;
  padding: 3.4rem 2.6rem;
  color: #3a2500;
  box-shadow: 0 24px 50px rgba(242, 169, 30, .35);
  position: relative;
  overflow: hidden;
}
.cta-title { color: #3a2500; font-size: clamp(1.5rem, 3vw, 2.1rem); }
.cta-text { color: rgba(58, 37, 0, .8); max-width: 640px; }
@media (max-width: 575.98px) { .cta-band { padding: 2.4rem 1.5rem; } }

/* ---------- inner page banner ---------- */
.page-banner {
  position: relative;
  overflow: hidden;
  color: #fff;
  padding: 4.8rem 0 4.2rem;
  background:
    radial-gradient(900px 460px at 90% -20%, rgba(22, 163, 74, .28), transparent 60%),
    radial-gradient(700px 400px at -10% 120%, rgba(242, 169, 30, .15), transparent 55%),
    linear-gradient(135deg, #081c36 0%, #0b2545 55%, #123a6b 100%);
}
.page-banner::before {
  content: "";
  position: absolute;
  width: 380px;
  height: 380px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .08);
  top: -150px;
  right: -100px;
}
.page-banner h1 {
  color: #fff;
  font-size: clamp(2rem, 4.4vw, 2.9rem);
  font-weight: 800;
  margin-bottom: .5rem;
}
.page-banner .accent { color: var(--gold); }
.crumbs { font-size: .92rem; color: #9fb4cf; }
.crumbs a { color: #9fb4cf; transition: color .25s ease; }
.crumbs a:hover { color: #ffd97a; }
.crumbs .sep { margin: 0 .55rem; opacity: .5; }
.crumbs .current { color: #ffd97a; font-weight: 600; }

/* ---------- process steps ---------- */
.step-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 2.1rem 1.6rem;
  text-align: center;
  height: 100%;
  transition: transform .35s ease, box-shadow .35s ease;
}
.step-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); }
.step-num {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, var(--green), var(--teal));
  color: #fff;
  font-weight: 800;
  font-size: 1.35rem;
  margin: 0 auto 1.1rem;
  box-shadow: 0 10px 22px rgba(22, 163, 74, .35);
}
.step-title { font-size: 1.08rem; font-weight: 800; }
.step-text { color: var(--muted); font-size: .93rem; margin: 0; }

/* ---------- mission / vision / value cards ---------- */
.mv-card {
  border-radius: 24px;
  padding: 2.6rem 2.2rem;
  height: 100%;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.mv-card::after {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  border: 2px dashed rgba(255, 255, 255, .2);
  right: -80px;
  bottom: -80px;
}
.mv-navy { background: linear-gradient(140deg, #0b2545, #14356b); }
.mv-green { background: linear-gradient(140deg, #0e8a6d, #16a34a); }
.mv-card h3 { color: #fff; font-size: 1.4rem; margin-bottom: 1rem; }
.mv-card p { color: rgba(255, 255, 255, .85); font-size: .98rem; margin: 0; }
.mv-ico {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  background: rgba(255, 255, 255, .14);
  display: grid;
  place-items: center;
  color: #ffd97a;
  margin-bottom: 1.3rem;
}
.mv-ico svg { width: 28px; height: 28px; }

/* ---------- contact page ---------- */
.info-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 1.5rem 1.4rem;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  height: 100%;
  transition: transform .3s ease, box-shadow .3s ease;
}
.info-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.info-icon {
  width: 54px;
  height: 54px;
  border-radius: 15px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.info-icon svg { width: 26px; height: 26px; }
.info-card h3 { font-size: 1.05rem; font-weight: 800; margin-bottom: .3rem; }
.info-card p, .info-card a { color: var(--muted); font-size: .93rem; margin: 0; }
.info-card a:hover { color: var(--green); }
.form-card {
  background: #fff;
  border-radius: 26px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--line);
  padding: 2.8rem 2.5rem;
}
@media (max-width: 575.98px) { .form-card { padding: 2rem 1.4rem; } }
.form-card .form-title { font-size: 1.5rem; font-weight: 800; margin-bottom: .4rem; }
.map-card {
  background:
    radial-gradient(600px 300px at 100% 0%, rgba(242, 169, 30, .25), transparent 60%),
    linear-gradient(135deg, #0b2545, #14356b);
  border-radius: 26px;
  padding: 3rem 2.5rem;
  color: #fff;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  position: relative;
  overflow: hidden;
}
.map-card::after {
  content: "";
  position: absolute;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  border: 2px dashed rgba(255, 255, 255, .14);
  right: -100px;
  top: -100px;
}
.map-pin-big {
  width: 72px;
  height: 72px;
  border-radius: 20px;
  background: linear-gradient(135deg, var(--gold), #ef8f12);
  display: grid;
  place-items: center;
  color: #3a2500;
  box-shadow: 0 14px 30px rgba(242, 169, 30, .4);
  margin-bottom: 1rem;
}
.map-pin-big svg { width: 36px; height: 36px; }
.map-card h3 { color: #fff; font-size: 1.35rem; margin-bottom: .3rem; }
.map-card p { color: #c9d8ec; margin: 0; }

/* ---------- forms ---------- */
.form-control, .form-select {
  border: 1.5px solid var(--line);
  border-radius: 12px;
  padding: .8rem 1rem;
  font-size: .97rem;
  color: var(--ink);
  background-color: #fff;
}
.form-control:focus, .form-select:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 .25rem rgba(22, 163, 74, .12);
}
.form-label { font-weight: 600; color: var(--navy); margin-bottom: .45rem; font-size: .95rem; }
.error-msg { color: #dc3545; font-size: .84rem; margin-top: .35rem; display: none; }
.error-msg.show { display: block; }
.form-control.input-error, .form-select.input-error { border-color: #dc3545; }
.form-success {
  display: none;
  background: var(--green-soft);
  border: 1px solid #bfe8d2;
  color: #14713d;
  border-radius: 12px;
  padding: 1rem 1.25rem;
  font-weight: 600;
  font-size: .95rem;
}
.form-success.show { display: block; animation: fadeSlide .4s ease; }
.form-success.tone-info {
  background: #e8f1fd;
  border-color: #bcd7f5;
  color: #1d5c99;
}
.form-success.tone-light {
  background: rgba(255, 255, 255, .1);
  border-color: rgba(255, 255, 255, .25);
  color: #ffd97a;
  margin-top: .6rem;
  font-size: .85rem;
}
@keyframes fadeSlide {
  from { opacity: 0; transform: translateY(-8px); }
  to { opacity: 1; transform: none; }
}

/* ---------- newsletter page ---------- */
.nl-card {
  background: #fff;
  border-radius: 26px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--line);
  border-top: 6px solid var(--green);
  padding: 2.6rem 2.3rem;
  height: 100%;
}
.nl-card.unsub { border-top-color: var(--red); }
.nl-icon {
  width: 62px;
  height: 62px;
  border-radius: 18px;
  display: grid;
  place-items: center;
  margin-bottom: 1.3rem;
}
.nl-icon svg { width: 30px; height: 30px; }
.nl-icon.green { background: var(--green-soft); color: var(--green); }
.nl-icon.red { background: #fdeaea; color: var(--red); }
.nl-card h2 { font-size: 1.45rem; font-weight: 800; margin-bottom: .6rem; }
.nl-card > p { color: var(--muted); font-size: .96rem; }
.nl-perks { list-style: none; padding: 0; margin: 1.2rem 0 0; }
.nl-perks li { display: flex; gap: .6rem; align-items: center; font-size: .92rem; color: var(--ink); font-weight: 600; margin-bottom: .55rem; }
.nl-perks li svg { width: 18px; height: 18px; stroke: var(--green); flex-shrink: 0; }

/* ---------- article (blog post) ---------- */
.article-lead {
  font-size: 1.22rem;
  color: var(--ink);
  font-weight: 500;
  line-height: 1.75;
}
.article-body p { color: #3d5169; margin-bottom: 1.4rem; font-size: 1.02rem; }
.article-body p:last-child { margin-bottom: 0; }
.article-body .article-highlight {
  background: var(--light);
  border-left: 4px solid var(--green);
  border-radius: 0 14px 14px 0;
  padding: 1.3rem 1.5rem;
  color: var(--ink);
  font-weight: 600;
  margin: 1.8rem 0;
}
.article-cta {
  background:
    radial-gradient(500px 260px at 100% 0%, rgba(255, 255, 255, .14), transparent 60%),
    linear-gradient(120deg, #0e8a6d, #16a34a);
  border-radius: 24px;
  padding: 2.8rem 2.4rem;
  color: #fff;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  margin-top: 3rem;
  position: relative;
  overflow: hidden;
}
.article-cta h3 { color: #fff; font-size: 1.4rem; margin-bottom: .4rem; }
.article-cta p { color: rgba(255, 255, 255, .88); margin: 0; }
.back-to-blog {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-weight: 700;
  color: var(--green);
  margin-bottom: 1.6rem;
  transition: gap .25s ease;
}
.back-to-blog:hover { gap: .8rem; color: var(--green-dark); }

/* ---------- policy pages ---------- */
.policy-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 24px;
  box-shadow: var(--shadow-sm);
  padding: 2.8rem 2.5rem;
}
@media (max-width: 575.98px) { .policy-card { padding: 2rem 1.4rem; } }
.policy-card h2.policy-h {
  font-size: 1.25rem;
  font-weight: 800;
  margin-top: 2.2rem;
  margin-bottom: .8rem;
  display: flex;
  align-items: center;
  gap: .8rem;
}
.policy-card h2.policy-h:first-child { margin-top: 0; }
.policy-num {
  width: 38px;
  height: 38px;
  border-radius: 11px;
  background: var(--green-soft);
  color: var(--green-dark);
  display: grid;
  place-items: center;
  font-size: .95rem;
  flex-shrink: 0;
}
.policy-card p, .policy-card li { color: var(--muted); font-size: .97rem; }
.policy-card ul { padding-left: 1.2rem; }
.policy-card ul li { margin-bottom: .45rem; }
.policy-card ul li::marker { color: var(--green); }
.policy-updated { color: var(--muted); font-size: .9rem; margin-bottom: 1.8rem; }
.policy-updated strong { color: var(--navy); }
.toc-card {
  background: var(--navy);
  border-radius: 24px;
  padding: 2.2rem 2rem;
  color: #fff;
}
.toc-card h4 { color: #fff; font-size: 1.1rem; margin-bottom: 1.1rem; }
.toc-card a {
  display: block;
  color: #b9c9dd;
  padding: .42rem 0;
  font-size: .93rem;
  border-bottom: 1px dashed rgba(255, 255, 255, .12);
  transition: color .25s ease, padding-left .25s ease;
}
.toc-card a:hover { color: #ffd97a; padding-left: .5rem; }
.toc-card a:last-child { border-bottom: none; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy-deep); color: #b9c9dd; }
.site-footer .footer-inner { padding: 4.5rem 0 3rem; }
.footer-brand .brand-text { color: #fff; }
.footer-about { font-size: .94rem; color: #93a7c2; margin-bottom: 1.4rem; }
.socials a {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .12);
  display: grid;
  place-items: center;
  color: #cfe0f5;
  transition: all .3s ease;
}
.socials a svg { width: 18px; height: 18px; }
.socials a:hover {
  background: linear-gradient(135deg, var(--green), var(--teal));
  color: #fff;
  transform: translateY(-4px);
  border-color: transparent;
}
.footer-title {
  color: #fff;
  font-size: 1.02rem;
  font-weight: 700;
  margin-bottom: 1.2rem;
  position: relative;
  padding-bottom: .7rem;
}
.footer-title::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 34px;
  height: 3px;
  border-radius: 3px;
  background: var(--gold);
}
.footer-links a {
  display: inline-block;
  color: #93a7c2;
  padding: .32rem 0;
  font-size: .94rem;
  transition: color .25s ease, transform .25s ease;
}
.footer-links a:hover { color: #ffd97a; transform: translateX(5px); }
.footer-contact li { display: flex; gap: .7rem; margin-bottom: 1rem; font-size: .93rem; align-items: flex-start; }
.footer-contact svg { width: 18px; height: 18px; stroke: var(--gold); flex-shrink: 0; margin-top: 3px; }
.footer-contact a { color: #93a7c2; transition: color .25s ease; }
.footer-contact a:hover { color: #ffd97a; }
.nl-form {
  display: flex;
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 50px;
  padding: 6px;
  margin-top: .4rem;
}
.nl-form input {
  background: transparent;
  border: none;
  color: #fff;
  flex: 1;
  min-width: 0;
  padding: .55rem 1.1rem;
  font-size: .9rem;
}
.nl-form input::placeholder { color: rgba(255, 255, 255, .55); }
.nl-form input:focus { outline: none; box-shadow: none; }
.nl-form input.input-error { color: #ff9b9b; }
.nl-form .btn-gold { padding: .55rem 1.35rem; font-size: .88rem; white-space: nowrap; }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .1);
  padding: 1.3rem 0;
  font-size: .88rem;
  color: #8fa3bd;
}
.footer-bottom p { margin: 0; }
.legal-links a { color: #8fa3bd; transition: color .25s ease; }
.legal-links a:hover { color: #ffd97a; }

/* ---------- scroll reveal ---------- */
.reveal {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity .7s ease, transform .7s ease;
}
.reveal.visible { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: .1s; }
.reveal-d2 { transition-delay: .2s; }
.reveal-d3 { transition-delay: .3s; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- misc ---------- */
.text-muted-2 { color: var(--muted); }
.divider-gold { width: 60px; height: 4px; border-radius: 4px; background: var(--gold); }