:root {
  --navy: #001d3b;
  --navy-2: #00284e;
  --gold: #d99a27;
  --gold-light: #f1c45d;
  --ink: #08172e;
  --white: #fff;
  --border: rgba(225, 177, 76, 0.65);
  --serif: "Playfair Display", Georgia, serif;
  --sans: "DM Sans", Arial, sans-serif;
}
* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
body {
  margin: 0;
  color: var(--ink);
  font-family: var(--sans);
  background: #fff;
}
a {
  text-decoration: none;
  color: inherit;
}
img {
  max-width: 100%;
  display: block;
}
.container {
  width: min(1450px, calc(100% - 48px));
  margin: auto;
}
/* =========================================
   ANNOUNCEMENT MARQUEE
========================================= */

.announcement-bar {
  width: 100%;
  height: 38px;

  background: #001426;

  border-bottom: 1px solid rgba(212, 164, 57, 0.45);

  overflow: hidden;

  position: relative;
  z-index: 1000;
}

/* Scrolling area */

.announcement-marquee {
  width: 100%;
  height: 100%;

  overflow: hidden;

  display: flex;
  align-items: center;
}

/* Moving track */

.announcement-track {
  display: flex;
  align-items: center;

  width: max-content;

  animation: announcementScroll 32s linear infinite;

  will-change: transform;
}

/* Individual announcement */

.announcement-item {
  display: flex;
  align-items: center;

  white-space: nowrap;

  padding: 0 38px;

  color: rgba(255, 255, 255, 0.85);

  font-size: 13px;
  font-weight: 400;

  letter-spacing: 0.15px;
}

/* Gold symbols */

.announcement-item > span {
  color: #f0c45c;

  margin-right: 11px;

  font-size: 11px;
}

/* Highlight text */

.announcement-item strong {
  color: #f0c45c;

  font-weight: 600;

  margin-left: 6px;
}

/* Separator */

.announcement-item::after {
  content: "";

  width: 5px;
  height: 5px;

  background: #f0c45c;

  border-radius: 50%;

  margin-left: 38px;

  opacity: 0.7;
}

/* =========================================
   MARQUEE ANIMATION
========================================= */

@keyframes announcementScroll {
  from {
    transform: translateX(0);
  }

  to {
    transform: translateX(-50%);
  }
}

/* =========================================
   PAUSE ON HOVER
========================================= */

.announcement-bar:hover .announcement-track {
  animation-play-state: paused;
}

/* =========================================
   MOBILE
========================================= */

@media (max-width: 768px) {
  .announcement-bar {
    height: 36px;
  }

  .announcement-item {
    padding: 0 25px;

    font-size: 11px;
  }

  .announcement-item::after {
    margin-left: 25px;
  }
}

/* HEADER */
.site-header {
  height: 74px;
  background: #fff;
  /* background: #001a34; */
  color: #fff;
  border-bottom: 2px solid rgb(241, 197, 93);
  position: sticky;
  top: 0;
  z-index: 50;
}
.nav-wrap {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}
.brand {
  width: 185px;
  flex: 0 0 185px;
}
.brand img {
  width: 100%;
  height: 65px;
  object-fit: contain;
}
.main-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 27px;
  font-size: 14px;
  font-weight: 600;
  white-space: nowrap;
}
.main-nav a {
  transition: 0.2s;
  color: #031c4b;
}
.main-nav a:hover {
  color: var(--gold-light);
}
.phone {
  font-weight: 500;
}
.phone-icon {
  color: var(--gold-light);
  font-size: 21px;
  margin-right: 5px;
}
.nav-apply {
  background: linear-gradient(#f7d67f, #e8b94d);
  color: #07152b !important;
  padding: 12px 19px;
  border-radius: 5px;
  font-weight: 700;
}
.menu-toggle {
  display: none;
  border: 0;
  background: none;
  color: #fff;
  width: 42px;
  height: 42px;
  padding: 8px;
}
.menu-toggle span {
  display: block;
  height: 2px;
  background: #d99a27;
  margin: 6px 0;
}

/* =========================================
   SERVICES DROPDOWN
========================================= */

.nav-dropdown {
  position: relative;
  display: flex;
  align-items: center;
}

.dropdown-toggle {
  display: flex;
  align-items: center;
  gap: 6px;
}

.dropdown-arrow {
  font-size: 14px;
  line-height: 1;
  color: #d9a441;
  transition: transform 0.25s ease;
}

/* Dropdown Box */

.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;

  transform: translateX(-50%) translateY(10px);

  width: 390px;

  background: #ffffff;
  border: 1px solid rgba(212, 164, 62, 0.35);
  border-radius: 10px;

  padding: 10px;

  box-shadow:
    0 20px 55px rgba(3, 29, 56, 0.18),
    0 5px 15px rgba(3, 29, 56, 0.08);

  opacity: 0;
  visibility: hidden;
  pointer-events: none;

  transition:
    opacity 0.25s ease,
    transform 0.25s ease,
    visibility 0.25s ease;

  z-index: 9999;
}
.nav-dropdown::after {
  content: "";
  position: absolute;

  left: 0;
  right: 0;

  top: 100%;

  height: 12px;

  background: transparent;
}

/* Small arrow on dropdown */

.dropdown-menu::before {
  content: "";
  position: absolute;

  top: -7px;
  left: 50%;

  width: 13px;
  height: 13px;

  background: #ffffff;

  border-left: 1px solid rgba(212, 164, 62, 0.35);
  border-top: 1px solid rgba(212, 164, 62, 0.35);

  transform: translateX(-50%) rotate(45deg);
}

/* Show dropdown */

.nav-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;

  transform: translateX(-50%) translateY(0);
}

.nav-dropdown:hover .dropdown-arrow {
  transform: rotate(180deg);
}

/* =========================================
   DROPDOWN ITEMS
========================================= */

.dropdown-menu > a {
  display: flex !important;
  align-items: center;

  gap: 13px;

  padding: 12px;

  border-radius: 7px;

  color: #071e38 !important;

  transition:
    background 0.2s ease,
    transform 0.2s ease;
}

.dropdown-menu > a:hover {
  background: #f8f3e8;

  transform: translateX(3px);

  color: #071e38 !important;
}

/* Icon */

.dropdown-menu .service-icon {
  width: 39px;
  height: 39px;

  flex: 0 0 39px;

  display: flex;
  align-items: center;
  justify-content: center;

  border-radius: 50%;

  background: #061f3b;

  border: 1px solid #d5a33e;

  color: #f1c766;

  font-size: 18px;

  font-weight: 600;
}

/* Text */

.dropdown-menu > a > span:last-child {
  display: flex;
  flex-direction: column;

  gap: 3px;
}

.dropdown-menu strong {
  display: block;

  font-family: "Playfair Display", Georgia, serif;

  font-size: 14px;

  font-weight: 600;

  line-height: 1.2;

  color: #071e38;
}

.dropdown-menu small {
  display: block;

  font-family: "DM Sans", Arial, sans-serif;

  font-size: 9px;

  line-height: 1.4;

  color: #718096;

  font-weight: 400;
}

/* =========================================
   DROPDOWN FOOTER
========================================= */

.dropdown-footer {
  border-top: 1px solid #e8ebee;

  margin-top: 5px;

  padding-top: 9px;

  text-align: right;
}

.dropdown-footer a {
  display: inline-flex !important;

  align-items: center;

  gap: 7px;

  color: #b47b1e !important;

  font-size: 10px !important;

  font-weight: 700;

  padding: 7px 9px !important;
}

.dropdown-footer a span {
  font-size: 15px;

  transition: transform 0.2s ease;
}

.dropdown-footer a:hover span {
  transform: translateX(4px);
}

/* =========================================
   MOBILE
========================================= */

@media (max-width: 850px) {
  .nav-dropdown {
    width: 100%;

    display: block;
  }

  .nav-dropdown > .dropdown-toggle {
    width: 100%;

    padding: 12px 0;

    justify-content: space-between;
  }

  .dropdown-menu {
    position: static;

    width: 100%;

    transform: none !important;

    opacity: 1;
    visibility: visible;
    pointer-events: auto;

    display: none;

    box-shadow: none;

    border: 0;

    border-top: 1px solid rgba(255, 255, 255, 0.08);

    border-radius: 0;

    background: transparent;

    padding: 5px 0 8px;
  }

  .dropdown-menu::before {
    display: none;
  }

  /*
     JS adds .active on mobile
  */

  .nav-dropdown.active .dropdown-menu {
    display: block;
  }

  .nav-dropdown.active .dropdown-arrow {
    transform: rotate(180deg);
  }

  .dropdown-menu > a {
    color: #fff !important;

    padding: 10px 8px !important;

    border-radius: 5px;
  }

  .dropdown-menu > a:hover {
    background: rgba(255, 255, 255, 0.06);

    transform: none;
  }

  .dropdown-menu strong {
    color: #fff;
    font-size: 12px;
  }

  .dropdown-menu small {
    color: #9eafbf;
    font-size: 8px;
  }

  .dropdown-menu .service-icon {
    width: 34px;
    height: 34px;

    flex-basis: 34px;

    font-size: 15px;
  }

  .dropdown-footer {
    border-top-color: rgba(255, 255, 255, 0.08);

    text-align: left;
  }

  .dropdown-footer a {
    color: #f1c766 !important;
  }
}

/* HERO */
.hero {
  position: relative;
  min-height: auto;
  overflow: hidden;
  background: url(../hero-bg.jpg);
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  /* background:
    radial-gradient(
      circle at 35% 10%,
      rgba(220, 166, 54, 0.17),
      transparent 2px
    ),
    linear-gradient(110deg, #001d3b 0%, #00294d 49%, #001a33 100%); */
  color: #fff;
}
/* .hero:before {
  content: "";
  position: absolute;
  inset: 0;
  opacity: 0.34;
  background:
    linear-gradient(
      126deg,
      transparent 0 22%,
      rgba(220, 171, 73, 0.35) 22.1%,
      transparent 22.3%
    ),
    linear-gradient(
      58deg,
      transparent 0 43%,
      rgba(220, 171, 73, 0.3) 43.1%,
      transparent 43.3%
    );
} */
.hero-glow {
  position: absolute;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #ffe0a0;
  box-shadow: 0 0 18px 5px #e8b04a;
  left: 34%;
  top: 0;
}
.hero-inner {
  display: grid;
  grid-template-columns: 47% 53%;
  min-height: auto;
  position: relative;
}
.hero-copy {
  padding: 47px 0px;
  position: relative;
  z-index: 2;
}
.hero h1 {
  font: 600 clamp(42px, 4.1vw, 56px)/0.96 var(--serif);
  margin: 0 0 14px;
  letter-spacing: -1.1px;
}
.hero h1 span,
.hero h1 strong {
  display: block;
}
.hero h1 span {
  color: #e9b44e;
}
.hero h1 strong {
  color: #fff;
  font-weight: 600;
}
.hero-copy > p {
  font-size: 15px;
  line-height: 1.34;
  max-width: 470px;
  margin: 0 0 18px;
}
.hero-actions {
  display: flex;
  gap: 20px;
  margin: 0 0 18px;
}
.btn {
  height: 44px;
  padding: 0 30px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 5px;
  font-size: 14px;
  font-weight: 700;
}
.btn-gold {
  background: linear-gradient(#f8d77d, #e8b54b);
  color: #07152b;
}
.btn-gold b {
  font-size: 25px;
  margin-left: 18px;
  font-weight: 400;
}
.btn-outline {
  border: 1px solid #e5b64f;
  color: #fff;
  background: rgba(0, 0, 0, 0.08);
}
.hero-points {
  display: flex;
  gap: 13px;
  align-items: center;
  font-size: 13px;
  margin-bottom: 20px;
}
.hero-points i {
  color: #f1bd52;
  font-style: normal;
}
.hero-visual {
  position: relative;
  min-height: 450px;
}


.focus-badge {
  position: absolute;
  z-index: 2;
  left: 5%;
  bottom: 29px;
  border: 1px solid #e1b04b;
  border-radius: 8px;
  background: rgba(4, 25, 45, 0.78);
  padding: 10px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  font: 400 16px/1.45 var(--sans);
  letter-spacing: 1px;
}
.shield {
  width: 38px;
  height: 38px;
  border: 3px solid #e8b34a;
  color: #f0c15e;
  display: grid;
  place-items: center;
  border-radius: 50%;
  /* clip-path: polygon(50% 0, 93% 16%, 88% 69%, 50% 100%, 12% 69%, 7% 16%); */
  font-family: var(--sans);
  font-weight: 700;
}

/* BENEFITS */
.benefits {
  background: #fff;
  padding: 25px 0 27px;
}
.benefit-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.benefit {
  min-height: 112px;
  text-align: center;
  padding: 0 22px;
  position: relative;
}
.benefit:not(:last-child):after {
  content: "";
  position: absolute;
  right: 0;
  top: 16px;
  height: 75px;
  width: 1px;
  background: #d5d9df;
}
.line-icon {
  font-size: 38px;
  color: #d29119;
  height: 44px;
  line-height: 44px;
}
.benefit h3 {
  font: 600 18px/1.05 var(--serif);
  margin: 4px 0 8px;
}
.benefit p {
  font-size: 12px;
  line-height: 1.5;
  margin: 0;
}

/* ABOUT */
.about {
  display: grid;
  grid-template-columns: 49% 51%;
  min-height: 420px;
}
.about-image {
  background: url("../maxfiva-financial-services.jpg") center/cover no-repeat;
  min-height: 365px;
}
.about-copy {
  padding: 31px 42px 18px;
}
.eyebrow {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.5px;
  color: #c9850e;
  margin-bottom: 7px;
}
.about h2,
.section-head h2 {
  font: 600 34px/1.05 var(--serif);
  margin: 0;
  color: #0a1a35;
}
.gold-rule {
  width: 43px;
  height: 2px;
  background: #d99a27;
  margin: 11px 0 16px;
}
.about-copy p {
  font-size: 13.5px;
  line-height: 1.48;
  margin: 0 0 8px;
  /* max-width: 570px; */
}
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  margin-top: 20px;
}
.stats > div {
  text-align: center;
  border-right: 1px solid #d9dde3;
}
.stats > div:last-child {
  border-right: 0;
}
.stats span {
  display: block;
  color: #cf8d17;
  font-size: 27px;
  height: 45px;
}
.stats strong {
  display: block;
  font: 600 20px/1 var(--sans);
  padding-bottom: 5px;
}
.stats small {
  font-size: 14px;
}

/* SERVICES */
.services {
  background: #001d3b;
  color: #fff;
  padding: 50px 25px;
}
.section-head {
  text-align: center;
  margin-bottom: 30px;
}
.section-head .eyebrow {
  margin: 0;
  color: #e0a93b;
}
.section-head h2 {
  color: #001a34;
  font-size: 34px;
  margin: 4px 0 7px;
}
.gold-rule.center {
  margin: 0 auto 10px;
}
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.service-card {
  background: #ffffff;
  border: 1px solid rgba(217, 154, 39, 0.35);
  border-radius: 12px;
  min-height: 260px;
  padding: 30px 24px 24px;
  text-align: center;
  display: flex;
  flex-direction: column;
  box-shadow: 0 8px 24px rgba(0, 29, 59, 0.05);
  transition: all 0.3s ease;
  position: relative;
}
.service-card:hover {
  transform: translateY(-6px);
  border-color: var(--gold);
  box-shadow: 0 16px 36px rgba(0, 29, 59, 0.12);
}
.service-icon {
  height: 50px;
  color: #d99a27;
  font-size: 42px;
  line-height: 50px;
  margin-bottom: 8px;
}
.service-card h3 {
  font: 600 20px/1.35 var(--serif);
  color: var(--navy);
  margin: 8px 0 12px;
  letter-spacing: 0.5px;
}
.service-card p {
  font-size: 14px;
  line-height: 1.6;
  color: #556882;
  margin: 0 0 16px;
  flex: 1;
  padding: 0;
}
.service-card a {
  color: #001d3b;
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
}
.service-card .btn-gold,
.service-card a.btn-gold {
  background: #d99a27 !important;
  color: #001d3b !important;
  font-size: 14px !important;
  font-weight: 700 !important;
  padding: 12px 18px !important;
  border-radius: 6px !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 8px !important;
  margin-top: auto !important;
  box-shadow: 0 4px 12px rgba(217, 154, 39, 0.25) !important;
  transition: all 0.25s ease !important;
  letter-spacing: 0.3px !important;
}
.service-card .btn-gold:hover,
.service-card a.btn-gold:hover {
  background: #001d3b !important;
  color: #ffffff !important;
  box-shadow: 0 6px 18px rgba(0, 29, 59, 0.35) !important;
}
.service-card a b,
.service-card a.btn-gold b {
  font-size: 18px !important;
  font-weight: 700 !important;
  margin-left: 6px !important;
  color: inherit !important;
}
.trust-strip {
  background: #fff;
  color: #09172f;
  border-radius: 8px;
  margin: 50px 3px 0;
  padding: 25px 20px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.trust-strip > div {
  display: flex;
  align-items: center;
  gap: 13px;
  padding: 0 18px;
  border-right: 1px solid #d9dde3;
}
.trust-strip > div:last-child {
  border: 0;
}
.trust-icon {
  color: #c98717;
  font-size: 26px;
  min-width: 36px;
  text-align: center;
  border: 1px dotted;
  border-radius: 50%;
}
.trust-strip h4 {
  font: 600 15px var(--serif);
  margin: 0 0 5px;
}
.trust-strip p {
  font-size: 11.5px;
  line-height: 1.25;
  margin: 0;
}
.hidden-anchor {
  height: 0;
  overflow: hidden;
}

/* RESPONSIVE */
@media (max-width: 1050px) {
  .main-nav {
    gap: 18px;
    font-size: 13px;
  }
  .brand {
    width: 175px;
    flex-basis: 175px;
  }
  .container {
    width: min(100% - 34px, 1100px);
  }
}
@media (max-width: 900px) {
  .site-header {
    height: 70px;
  }
  .menu-toggle {
    display: block;
  }
  .main-nav {
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: #001a34;
    display: none;
    flex-direction: column;
    align-items: stretch;
    padding: 16px 22px 20px;
    gap: 0;
    border-top: 1px solid rgba(241, 196, 93, 0.35);
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.25);
  }
  .main-nav.open {
    display: flex;
  }
  .main-nav a {
    padding: 12px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    color: #fff;
  }
  .main-nav .nav-apply {
    text-align: center;
    margin-top: 10px;
    border: 0;
  }
  .hero {
    height: auto !important;
  }
  .hero-inner {
    grid-template-columns: 1fr;
  }
  .hero-copy {
    padding: 42px 0 30px;
    max-width: 620px;
  }
  .hero-visual {
    position: absolute;
    inset: 245px 0 0;
    min-height: 375px;
  }
  .hero-photo {
    inset: 0 -34px 0 25%;
  }
  .hero-visual:before {
    background: linear-gradient(
      90deg,
      #001d3b 0%,
      rgba(0, 29, 59, 0.6) 27%,
      transparent 62%
    );
  }
  .hero h1 {
    font-size: 48px;
  }
  .hero-copy > p {
    max-width: 540px;
  }
  .focus-badge {
    left: 25%;
    bottom: 20px;
  }
  .service-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .about {
    grid-template-columns: 1fr;
  }
  .about-image {
    height: 390px;
  }
  .about-copy {
    padding: 32px 28px;
  }
}
@media (max-width: 650px) {
  .container {
    width: calc(100% - 28px);
  }
  .brand {
    width: 158px;
    flex-basis: 158px;
  }
  .hero {
    background: #031f51;
  }
  .hero-inner {
    min-height: 700px;
  }
  .hero-copy {
    padding-top: 30px;
  }
  .hero h1 {
    font-size: 38px;
    letter-spacing: -0.5px;
  }
  .hero-copy > p {
    font-size: 13px;
  }
  .hero-actions {
    gap: 10px;
    flex-wrap: wrap;
  }
  .btn {
    padding: 0 18px;
    font-size: 12px;
  }
  .hero-points {
    font-size: 10px;
    gap: 7px;
    flex-wrap: wrap;
  }
  .hero-visual {
    inset: 320px 0 0;
    display: block !important;
  }
  .hero-photo {
    inset: 0 -20px 0 0;
  }
  .hero-visual:before {
    background: linear-gradient(
      180deg,
      #001d3b 0%,
      rgba(0, 29, 59, 0.15) 34%,
      transparent 70%
    );
  }
  .focus-badge {
    display: none;
  }
  .benefits {
    padding: 10px 0;
  }
  .benefit-grid {
    grid-template-columns: 1fr 1fr;
  }
  .benefit {
    padding: 17px 9px;
    min-height: 145px;
  }
  .benefit:nth-child(2):after {
    display: none;
  }
  .benefit:nth-child(-n + 2) {
    border-bottom: 1px solid #e1e4e8;
  }
  .about-image {
    height: 280px;
    min-height: 280px;
  }
  .about-copy {
    padding: 25px 18px;
  }
  .about h2 {
    font-size: 23px;
  }
  .about-copy p {
    font-size: 12px;
  }
  .stats {
    grid-template-columns: 1fr 1fr;
    gap: 12px;
  }
  .stats > div {
    border-right: 0;
    border-bottom: 1px solid #ddd;
    padding-bottom: 7px;
  }
  .service-grid {
    grid-template-columns: 1fr;
    gap: 8px;
  }
  .service-card {
    min-height: 205px;
    padding: 14px 8px;
  }
  .service-card h3 {
    font-size: 15px;
  }
  .service-card p {
    font-size: 10.5px;
  }
  .section-head h2 {
    font-size: 23px;
  }
  .trust-strip {
    grid-template-columns: 1fr;
    padding: 5px 14px;
    margin-top: 16px;
  }
  .trust-strip > div {
    border-right: 0;
    border-bottom: 1px solid #d9dde3;
    padding: 12px 3px;
  }
  .trust-strip > div:last-child {
    border-bottom: 0;
  }
}
@media (max-width: 390px) {
  .hero h1 {
    font-size: 34px;
  }
  .hero-copy > p {
    font-size: 12px;
  }
  .btn {
    width: 100%;
  }
  .hero-points {
    display: none;
  }
  .service-grid {
    grid-template-columns: 1fr;
  }
}

/* =========================================================
   PREMIUM LEADERSHIP SECTION
========================================================= */

.leadership-section {
  position: relative;
  padding: 50px 0px;
  background: #f7f8fa;
  overflow: hidden;
}

/* subtle background decoration */
.leadership-section::before {
  content: "";
  position: absolute;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: rgba(201, 148, 43, 0.06);
  top: -220px;
  left: -180px;
}

.leadership-section::after {
  content: "";
  position: absolute;
  width: 350px;
  height: 350px;
  border-radius: 50%;
  background: rgba(5, 39, 70, 0.035);
  bottom: -180px;
  right: -150px;
}

.leadership-section .container {
  position: relative;
  z-index: 2;
  max-width: 1320px;
  margin: 0 auto;
}

/* =========================================================
   HEADING
========================================================= */

.leadership-heading {
  max-width: 760px;
  margin: 0 auto 55px;
  text-align: center;
}

.leadership-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 15px;
  font-family: Arial, sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2.2px;
  color: #c8942b;
  text-transform: uppercase;
}

.leadership-eyebrow::before,
.leadership-eyebrow::after {
  content: "";
  width: 25px;
  height: 1px;
  background: #c8942b;
}

.leadership-heading h2 {
  margin: 0;
  color: #062b4c;
  font: 600 34px/1.05 var(--serif);
  /* font-size: 27px; */
  line-height: 1.15;
  font-weight: 600;
  letter-spacing: -0.8px;
}

.leadership-heading h2 span {
  color: #c8942b;
}

.leadership-heading p {
  max-width: 690px;
  margin: 20px auto 0;
  color: #68778a;
  font-family: Arial, sans-serif;
  font-size: 15px;
  line-height: 1.8;
}

/* Decorative line */

.leadership-line {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  margin: 4px auto 0;
}

.leadership-line i {
  display: block;
  width: 28px;
  height: 1px;
  background: #c8942b;
}

.leadership-line span {
  width: 7px;
  height: 7px;
  border: 1px solid #c8942b;
  transform: rotate(45deg);
}

/* =========================================================
   GRID
========================================================= */

.leadership-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}

/* =========================================================
   CARD
========================================================= */

.leader-card {
  position: relative;
  background: #ffffff;
  border: 1px solid #e4e8ec;
  overflow: hidden;
  transition:
    transform 0.4s ease,
    box-shadow 0.4s ease,
    border-color 0.4s ease;
}

.leader-card::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 3px;
  background: #c8942b;
  transition: width 0.4s ease;
}

.leader-card:hover {
  transform: translateY(-9px);
  border-color: rgba(200, 148, 43, 0.35);
  box-shadow: 0 22px 55px rgba(5, 39, 70, 0.13);
}

.leader-card:hover::after {
  width: 100%;
}

/* =========================================================
   TOP IMAGE / AVATAR AREA
========================================================= */

.leader-top {
  position: relative;
  height: 260px;
  display: flex;
  align-items: center;
  justify-content: center;
  background:
    radial-gradient(
      circle at center,
      rgba(200, 148, 43, 0.12),
      transparent 32%
    ),
    linear-gradient(145deg, #062b4c 0%, #07385f 100%);
  overflow: hidden;
  border-radius: 10px;
}

.leader-top::before {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 50%;
}

.leader-top::after {
  content: "";
  position: absolute;
  width: 285px;
  height: 285px;
  border: 1px solid rgba(200, 148, 43, 0.08);
  border-radius: 50%;
}

/* Card number */

.leader-number {
  position: absolute;
  top: 22px;
  left: 24px;
  z-index: 3;
  color: rgba(255, 255, 255, 0.35);
  font-family: Georgia, serif;
  font-size: 14px;
  letter-spacing: 2px;
}

/* Badge */

.leader-badge {
  position: absolute;
  right: 20px;
  top: 20px;
  z-index: 3;
  padding: 7px 12px;
  border: 1px solid rgba(200, 148, 43, 0.5);
  color: #e2b24d;
  font-family: Arial, sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* Avatar */

.leader-avatar {
  position: relative;
  z-index: 4;
  /* width: 112px; */
  /* height: 112px; */
  display: flex;
  align-items: center;
  justify-content: center;
  /* border: 1px solid #d7a33a; */
  border-radius: 50%;
  /* background: rgba(255, 255, 255, 0.035); */
  box-shadow:
    0 0 0 10px rgba(200, 148, 43, 0.035),
    0 0 0 20px rgba(200, 148, 43, 0.02);
}

.leader-avatar img {
  /* width: 500px;
  height: 500px; */
  object-fit: contain;
  object-position: top;
}

.leader-avatar span {
  color: #e2ad42;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 48px;
  font-weight: 500;
}

/* =========================================================
   CONTENT
========================================================= */

.leader-content {
  padding: 31px 30px 27px;
  text-align: left;
}

.leader-role {
  margin-bottom: 8px;
  color: #c8942b;
  font-family: Arial, sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.3px;
  text-transform: uppercase;
}

.leader-content h3 {
  margin: 0 0 14px;
  color: #062b4c;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 25px;
  font-weight: 600;
}

.leader-content p {
  min-height: 82px;
  margin: 0;
  color: #718096;
  font-family: Arial, sans-serif;
  font-size: 14px;
  line-height: 1.75;
}

/* =========================================================
   CARD BOTTOM
========================================================= */

.leader-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 15px;
  margin-top: 24px;
  padding-top: 19px;
  border-top: 1px solid #edf0f2;
}

.leader-focus {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #536274;
  font-family: Arial, sans-serif;
  font-size: 11px;
  font-weight: 600;
}

.leader-focus b {
  display: block;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #c8942b;
}

/* =========================================================
   SOCIAL
========================================================= */

.leader-social {
  display: flex;
  gap: 7px;
}

.leader-social a {
  width: 31px;
  height: 31px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid #e0e4e8;
  color: #062b4c;
  background: #fff;
  font-family: Arial, sans-serif;
  font-size: 11px;
  text-decoration: none;
  transition: all 0.3s ease;
}

.leader-social a:hover {
  border-color: #c8942b;
  background: #c8942b;
  color: #fff;
}

/* =========================================================
   FEATURED CARD
========================================================= */

.leader-card.featured {
  transform: translateY(-15px);
  border-color: rgba(200, 148, 43, 0.28);
  box-shadow: 0 20px 55px rgba(5, 39, 70, 0.11);
}

.leader-card.featured:hover {
  transform: translateY(-22px);
}

/* =========================================================
   RESPONSIVE
========================================================= */

@media (max-width: 991px) {
  .leadership-section {
    padding: 80px 20px 70px;
  }

  .leadership-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .leader-card.featured {
    transform: none;
  }

  .leader-card.featured:hover {
    transform: translateY(-9px);
  }

  .leadership-footer {
    grid-template-columns: 1fr;
  }

  .trust-item + .trust-item {
    border-left: 0;
    border-top: 1px solid #dfe4e8;
  }
}

@media (max-width: 650px) {
  .leadership-section {
    padding: 65px 15px 55px;
  }

  .leadership-heading {
    margin-bottom: 42px;
  }

  .leadership-heading h2 {
    font-size: 32px;
  }

  .leadership-heading p {
    font-size: 14px;
  }

  .leadership-grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .leader-top {
    height: 230px;
  }

  .leader-content {
    padding: 27px 24px 24px;
  }

  .leader-content h3 {
    font-size: 23px;
  }

  .leader-content p {
    min-height: auto;
  }

  .leader-bottom {
    align-items: flex-start;
  }

  .trust-item {
    padding: 20px;
  }
}

@media (max-width: 400px) {
  .leadership-heading h2 {
    font-size: 28px;
  }

  .leader-top {
    height: 215px;
  }

  .leader-avatar {
    width: 100px;
    height: 100px;
  }

  .leader-avatar span {
    font-size: 42px;
  }

  .leader-bottom {
    flex-direction: column;
  }
}

/* =========================================================
   TEAM
========================================================= */

.team-section {
  padding: 50px 0;
  background: #fff;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 40px;
}

.team-card {
  border: 1px solid #e1e4e8;
  padding: 20px 18px;
  text-align: center;
  transition: 0.3s;
}

.team-card:hover {
  border-color: #d99a27;
  transform: translateY(-5px);
}

.team-avatar {
  width: 70px;
  height: 70px;
  margin: 0 auto 17px;
  border-radius: 50%;
  background: #001d3b;
  color: #e8b24e;
  display: flex;
  align-items: center;
  justify-content: center;
  font: 600 34px var(--serif);
}

.team-card h3 {
  margin: 0 0 5px;
  font: 600 17px var(--serif);
}

.team-card span {
  color: #c88716;
  font-size: 12px;
  font-weight: 700;
}

.team-card p {
  color: #68707c;
  font-size: 14px;
  line-height: 1.5;
}

/* =========================================================
   WHY MAXFIVA
========================================================= */

.why-section {
  background: #001d3b;
  color: #fff;
  padding: 80px 0;
}

.why-layout {
  display: grid;
  grid-template-columns: 45% 55%;
  align-items: center;
  /* gap: 25px; */
}

.why-content .eyebrow {
  color: #e5ae43;
}

.why-content h2 {
  font: 600 38px/1.12 var(--serif);
  margin: 0;
}

.why-content h2 span {
  display: block;
  color: #e8b34d;
}

.why-content .gold-rule {
  margin: 18px 0;
}

.why-content p {
  max-width: 500px;
  color: #d5dce5;
  font-size: 13px;
  line-height: 1.7;
}

.why-content .btn {
  margin-top: 15px;
}

.why-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.why-feature {
  border: 1px solid rgba(227, 177, 77, 0.6);
  padding: 24px;
  display: flex;
  gap: 17px;
  background: rgba(255, 255, 255, 0.025);
}

.why-icon {
  color: #e8b34d;
  font-size: 30px;
  min-width: 35px;
}

.why-feature h3 {
  font: 600 19px var(--serif);
  margin: 0 0 7px;
}

.why-feature p {
  color: #c9d1db;
  font-size: 15px;
  line-height: 1.5;
  margin: 0;
}

/* =========================================================
   PROCESS
========================================================= */

.process-section {
  background: #001a34;
  padding: 75px 0;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  margin-top: 42px;
}

.process-card {
  position: relative;
  background: #fff;
  padding: 32px 20px 25px;
  text-align: center;
  border: 1px solid #e3e3e3;
}

.process-number {
  position: absolute;
  top: 10px;
  right: 14px;
  color: #d99a27;
  font-size: 11px;
  font-weight: 700;
}

.process-icon {
  font-size: 35px;
  color: #d99a27;
  margin-bottom: 14px;
}

.process-icon i {
  padding: 10px;
  border: 2px dotted #d99a27;
  border-radius: 50%;
}

.process-card h3 {
  font: 600 17px var(--serif);
  margin: 0 0 9px;
}

.process-card p {
  color: #69717d;
  font-size: 14px;
  line-height: 1.5;
  margin: 0;
}

/* =========================================================
   TESTIMONIALS
========================================================= */

.testimonial-section {
  padding: 50px 0;
  background: #fff;
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 40px;
}

.testimonial-card {
  border: 1px solid #e1e4e8;
  padding: 28px;
  position: relative;
}

.stars {
  color: #d99a27;
  letter-spacing: 3px;
  font-size: 14px;
}

.testimonial-card > p {
  color: #4e5867;
  font: italic 14px/1.7 var(--serif);
  margin: 18px 0 25px;
}

.client {
  display: flex;
  align-items: center;
  gap: 12px;
}

.client-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: #001d3b;
  color: #e7b34d;
  display: grid;
  place-items: center;
  font-weight: 700;
}

.client h4 {
  margin: 0;
  font-size: 13px;
}

.client span {
  color: #89909a;
  font-size: 10px;
}

/* =========================================================
   FAQ
========================================================= */

.faq-section {
  background: #001a34;
  padding: 75px 0;
}

.faq-wrapper {
  max-width: 850px;
  margin: 40px auto 0;
}

.faq-item {
  background: #fff;
  border: 1px solid #dedfe2;
  margin-bottom: 10px;
}

.faq-question {
  width: 100%;
  background: none;
  border: 0;
  padding: 20px 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  color: #071832;
  font: 600 15px var(--serif);
  cursor: pointer;
}

.faq-question span {
  color: #d99a27;
  font: 400 25px var(--sans);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq-answer p {
  padding: 0 22px 20px;
  color: #606976;
  font-size: 14px;
  line-height: 1.6;
  margin: 0;
}

.faq-item.active .faq-answer {
  max-height: 200px;
}

.faq-item.active .faq-question span {
  transform: rotate(45deg);
}

/* =========================================================
   CTA
========================================================= */
.cta-section {
  position: relative;
  background: url("../ct-bg.jpg") center center / cover no-repeat;
  color: #032051;
  padding: 100px 0;
  min-height: 480px;

  /* Make sure content stays above background */
  overflow: hidden;
}

.cta-inner {
  position: relative;
  z-index: 2;

  display: flex;
  align-items: center;
  justify-content: flex-start;
}

.cta-content {
  width: 50%;
  max-width: 560px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.cta-inner .eyebrow {
  color: #d19216;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
}

.cta-inner h2 {
  font: 600 38px/1.2 var(--serif);
  color: #032051;
  margin: 0 0 14px;
}

.cta-inner h2 span {
  color: #d19216;
}

.cta-inner p {
  margin: 0 0 25px;
  color: #64748b;
  font-size: 15px;
  line-height: 1.7;
  max-width: 700px;
}

/* Button */
.cta-inner .btn-gold {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 25px;

  background: #e7b34d;
  color: #032051;

  padding: 15px 25px;
  min-width: 180px;

  font-size: 14px;
  font-weight: 700;
  text-decoration: none;

  border-radius: 5px;
  transition: all 0.3s ease;
}

.cta-inner .btn-gold b {
  font-size: 24px;
  font-weight: 400;
  line-height: 1;
}

.cta-inner .btn-gold:hover {
  background: #032051;
  color: #fff;
  transform: translateY(-2px);
}
.hero-visual {
  display: none;
}

/* =========================
   TABLET
========================= */

@media (max-width: 991px) {
  .cta-section {
    padding: 80px 0;
    min-height: 450px;
  }

  .cta-content {
    width: 60%;
  }

  .cta-inner h2 {
    font-size: 32px;
  }

  .cta-inner p {
    font-size: 14px;
  }
}

/* =========================
   MOBILE
========================= */

@media (max-width: 767px) {
  .cta-section {
    background-position: left center;
    padding: 70px 20px;
    min-height: auto;
  }

  .cta-inner {
    justify-content: flex-start;
  }

  .cta-content {
    width: 100%;
    max-width: 100%;
  }

  .cta-inner h2 {
    font-size: 28px;
    line-height: 1.25;
  }

  .cta-inner p {
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 22px;
  }

  .cta-inner .btn-gold {
    padding: 13px 20px;
    min-width: 165px;
  }
  .why-layout {
    grid-template-columns: 1fr;
  }
  .team-grid {
    grid-template-columns: 1fr;
  }
  .process-grid {
    grid-template-columns: 1fr;
  }
  .testimonial-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr !important;
  }
}

/* =========================================
   PREMIUM CONTACT SECTION
========================================= */

.contact-section {
  position: relative;
  padding: 50px 20px;
  background:
    radial-gradient(
      circle at 10% 20%,
      rgba(201, 155, 62, 0.06),
      transparent 30%
    ),
    radial-gradient(circle at 90% 80%, rgba(0, 35, 70, 0.06), transparent 30%),
    #f8f9fb;
  overflow: hidden;
}

/* Decorative background elements */
.contact-section::before {
  content: "";
  position: absolute;
  width: 280px;
  height: 280px;
  border: 1px solid rgba(201, 155, 62, 0.12);
  border-radius: 50%;
  top: -150px;
  left: -100px;
}

.contact-section::after {
  content: "";
  position: absolute;
  width: 350px;
  height: 350px;
  border: 1px solid rgba(0, 35, 70, 0.06);
  border-radius: 50%;
  bottom: -200px;
  right: -120px;
}

/* =========================================
   SECTION HEADING
========================================= */

.contact-section .section-head {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 780px;
  margin: 0 auto 42px;
}

.contact-section .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #c99b3e;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  margin-bottom: 10px;
}

.contact-section .eyebrow::before,
.contact-section .eyebrow::after {
  content: "";
  width: 28px;
  height: 1px;
  background: #c99b3e;
}

.contact-section .section-head h2 {
  margin: 0;
  color: #00233f;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(28px, 3vw, 40px);
  line-height: 1.2;
  font-weight: 600;
  letter-spacing: -0.4px;
}

.contact-section .section-head p {
  margin: 14px auto 0;
  color: #687586;
  font-size: 14px;
  line-height: 1.7;
  max-width: 650px;
}

.contact-section .gold-rule.center {
  width: 58px;
  height: 3px;
  margin: 16px auto;
  border-radius: 20px;
  background: linear-gradient(90deg, #b8862f, #e7c66c, #b8862f);
}

/* =========================================
   MAIN CONTACT LAYOUT
========================================= */

.contact-layout {
  position: relative;
  z-index: 3;

  display: grid;
  grid-template-columns: 1.5fr 1.5fr;

  max-width: 1164px;
  min-height: 500px;
  margin: 0 auto;

  background: #ffffff;
  border-radius: 18px;
  overflow: hidden;

  border: 1px solid rgba(0, 35, 63, 0.07);

  box-shadow:
    0 20px 60px rgba(0, 25, 50, 0.09),
    0 5px 20px rgba(0, 0, 0, 0.04);
}

/* =========================================
   LEFT CONTACT INFORMATION
========================================= */

.contact-info {
  position: relative;
  padding: 42px 34px;
  color: #ffffff;

  background:
    radial-gradient(
      circle at 90% 10%,
      rgba(201, 155, 62, 0.16),
      transparent 28%
    ),
    linear-gradient(145deg, #002b4d 0%, #001d37 55%, #00172d 100%);

  overflow: hidden;
}

/* Decorative circle */
.contact-info::before {
  content: "";
  position: absolute;
  width: 210px;
  height: 210px;
  border: 1px solid rgba(220, 180, 80, 0.13);
  border-radius: 50%;
  right: -120px;
  top: -80px;
}

/* Gold vertical accent */
.contact-info::after {
  content: "";
  position: absolute;
  width: 4px;
  height: 75px;
  left: 0;
  top: 45px;
  background: linear-gradient(to bottom, #e6c565, #b88730);
  border-radius: 0 5px 5px 0;
}

.contact-info h3 {
  position: relative;
  margin: 0 0 12px;
  color: #ffffff;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
  line-height: 1.25;
  font-weight: 600;
}

.contact-info > p {
  position: relative;
  margin: 0 0 30px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 14px;
  line-height: 1.7;
}

/* =========================================
   CONTACT ITEMS
========================================= */

.contact-item {
  display: flex;
  align-items: center;
  gap: 14px;

  padding: 12px 0;

  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  margin-bottom: 15px;
}

.contact-item:last-of-type {
  border-bottom: none;
}

.contact-icon {
  flex: 0 0 38px;
  width: 38px;
  height: 38px;

  display: flex;
  align-items: center;
  justify-content: center;

  border-radius: 10px;

  color: #e5bd5b;
  font-size: 16px;

  background: rgba(201, 155, 62, 0.12);
  border: 1px solid rgba(201, 155, 62, 0.22);

  box-shadow: inset 0 0 15px rgba(255, 255, 255, 0.02);
}

.contact-item span {
  display: block;
  margin-bottom: 4px;
  color: rgba(255, 255, 255, 0.55);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  display: flex;
}
.contact-item span i {
  color: #fff;
}

.contact-item a,
.contact-item strong {
  color: #ffffff;
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
}

.contact-item a:hover {
  color: #e4c260;
}

/* =========================================
   SUPPORT HOURS
========================================= */

.contact-hours {
  margin-top: 22px;
  padding: 18px 18px;

  border-radius: 12px;

  background: rgba(255, 255, 255, 0.045);
  border: 1px solid rgba(255, 255, 255, 0.08);

  position: relative;
}

.contact-hours::before {
  content: "";
  position: absolute;
  left: 0;
  top: 15px;
  bottom: 15px;
  width: 2px;
  border-radius: 10px;
  background: #d3a94b;
}

.contact-hours strong {
  display: block;
  color: #ffffff;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 14px;
}

.contact-hours p {
  margin: 6px 0 3px;
  color: rgba(255, 255, 255, 0.58);
  font-size: 10px;
}

.contact-hours span {
  color: #e3bd59;
  font-size: 10px;
  font-weight: 600;
}

/* =========================================
   FORM AREA
========================================= */

.contact-form-wrapper {
  padding: 40px 42px;
  background: #ffffff;
  display: flex;
  align-items: center;
}

.contact-form {
  width: 100%;
}

/* =========================================
   FORM ROW
========================================= */

.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.form-group {
  margin-bottom: 18px;
}

.form-group label {
  display: block;
  margin-bottom: 7px;

  color: #18334d;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.25px;
}

/* =========================================
   INPUTS
========================================= */

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  box-sizing: border-box;

  border: 1px solid #d9dfe6;
  border-radius: 7px;

  background: #fbfcfd;
  color: #18334d;

  font-family: inherit;
  font-size: 12px;

  outline: none;

  transition:
    border-color 0.25s ease,
    box-shadow 0.25s ease,
    background 0.25s ease,
    transform 0.25s ease;
}

.form-group input,
.form-group select {
  height: 43px;
  padding: 0 13px;
}

.form-group textarea {
  min-height: 105px;
  padding: 13px;
  resize: vertical;
  line-height: 1.6;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: #a6afb9;
  font-size: 10px;
}

.form-group select {
  cursor: pointer;
}

/* Focus effect */
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  background: #ffffff;
  border-color: #c99b3e;

  box-shadow:
    0 0 0 3px rgba(201, 155, 62, 0.1),
    0 5px 15px rgba(0, 35, 63, 0.04);

  transform: translateY(-1px);
}

/* =========================================
   SUBMIT BUTTON
========================================= */

.form-submit {
  position: relative;

  min-width: 100%;
  height: 46px;

  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 18px;

  padding: 0 22px;

  border: none;
  border-radius: 7px;

  background: linear-gradient(135deg, #d8b454 0%, #b9852f 100%);

  color: #ffffff;

  font-size: 15px;
  font-weight: 500;
  letter-spacing: 0.7px;

  cursor: pointer;

  box-shadow: 0 8px 18px rgba(184, 133, 47, 0.22);

  transition:
    transform 0.25s ease,
    box-shadow 0.25s ease,
    background 0.25s ease;
}

.form-submit b {
  display: inline-flex;
  align-items: center;
  justify-content: center;

  width: 24px;
  height: 24px;

  border-radius: 50%;

  background: rgba(255, 255, 255, 0.18);

  font-size: 15px;
  font-weight: 400;

  transition: transform 0.25s ease;
}

.form-submit:hover {
  transform: translateY(-3px);

  box-shadow: 0 12px 25px rgba(184, 133, 47, 0.3);

  background: linear-gradient(135deg, #e2bf63 0%, #c18f37 100%);
}

.form-submit:hover b {
  transform: translateX(4px);
}

.form-submit:active {
  transform: translateY(-1px);
}

/* =========================================
   RESPONSIVE
========================================= */

@media (max-width: 900px) {
  .contact-layout {
    grid-template-columns: 1fr;
  }

  .contact-info {
    padding: 35px 30px;
  }

  .contact-info > p {
    max-width: 600px;
  }

  .contact-form-wrapper {
    padding: 35px 30px;
  }
}

@media (max-width: 600px) {
  .contact-section {
    padding: 60px 15px;
  }

  .contact-section .section-head {
    margin-bottom: 30px;
  }

  .contact-section .section-head h2 {
    font-size: 27px;
  }

  .contact-layout {
    border-radius: 14px;
  }

  .contact-info {
    padding: 32px 24px;
  }

  .contact-info h3 {
    font-size: 21px;
  }

  .contact-form-wrapper {
    padding: 30px 22px;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .form-group {
    margin-bottom: 16px;
  }

  .form-submit {
    width: 100%;
  }
}

/* =========================================================
   FOOTER
========================================================= */

.site-footer {
  background: #001326;
  color: #fff;
  padding-top: 55px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1.3fr 1fr;
  gap: 45px;
  padding-bottom: 45px;
}

.footer-logo {
  width: 175px;
  margin-bottom: 18px;
}

.footer-about p {
  color: #ffffff;
  font-size: 14px;
  line-height: 1.7;
  max-width: 290px;
}

.footer-social {
  display: flex;
  gap: 8px;
  margin-top: 20px;
}

.footer-social a {
  width: 31px;
  height: 31px;
  border: 1px solid rgba(226, 175, 74, 0.6);
  color: #e7b34d;
  display: grid;
  place-items: center;
  font-size: 10px;
}

.footer-column h3 {
  color: #fff;
  font: 600 16px var(--serif);
  margin: 0 0 17px;
}

.footer-column a,
.footer-column p {
  display: block;
  color: #ffffff;
  font-size: 14px;
  margin: 0 0 11px;
  line-height: 1.5;
}

.footer-column a:hover {
  color: #e7b34d;
}

.footer-apply {
  color: #e7b34d !important;
  font-weight: 700;
  margin-top: 20px !important;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-bottom-inner {
  min-height: 60px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 20px;
}

.footer-bottom p,
.footer-bottom a {
  color: #778493;
  font-size: 14px;
}

.footer-bottom-inner > div {
  display: flex;
  gap: 20px;
}

.white {
  color: #fff !important;
}

/* =========================================
   TESTIMONIAL SLIDER
========================================= */

.testimonial-section {
  padding: 50px 0;
  background: #ffffff;
  overflow: hidden;
}

/* =========================================
   SLIDER
========================================= */

.testimonial-slider {
  position: relative;

  display: flex;
  align-items: center;

  margin-top: 45px;
}

.testimonial-viewport {
  width: 100%;
  overflow: hidden;
}

.testimonial-track {
  display: flex;

  gap: 28px;

  transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);

  will-change: transform;
}

/* =========================================
   TESTIMONIAL CARD
========================================= */

.testimonial-card {
  flex: 0 0 calc((100% - 56px) / 3);

  min-height: 260px;

  padding: 38px 36px;

  background: #ffffff;

  border: 1px solid #e2e5e9;

  position: relative;

  transition: all 0.35s ease;

  box-sizing: border-box;
}

.testimonial-card:hover {
  border-color: rgba(212, 164, 57, 0.65);

  box-shadow: 0 18px 45px rgba(0, 20, 38, 0.08);

  transform: translateY(-5px);
}

/* =========================================
   GOLD TOP LINE
========================================= */

.testimonial-card::before {
  content: "";

  position: absolute;

  top: 0;
  left: 0;

  width: 55px;
  height: 3px;

  background: #d4a439;

  transition: width 0.3s ease;
}

.testimonial-card:hover::before {
  width: 100%;
}

/* =========================================
   STARS
========================================= */

.stars {
  color: #d99b20;

  font-size: 17px;

  letter-spacing: 3px;

  margin-bottom: 25px;
}

/* =========================================
   REVIEW
========================================= */

.testimonial-card p {
  margin: 0;

  color: #26384b;

  font-family: Georgia, "Times New Roman", serif;

  font-size: 16px;

  font-style: italic;

  line-height: 1.8;

  min-height: 88px;
}

/* =========================================
   CLIENT
========================================= */

.client {
  display: flex;
  align-items: center;

  gap: 14px;

  margin-top: 25px;
}

.client-avatar {
  width: 52px;
  height: 52px;

  flex-shrink: 0;

  display: flex;
  align-items: center;
  justify-content: center;

  background: #001f3d;

  color: #f0bd4e;

  border-radius: 50%;

  font-size: 18px;
  font-weight: 600;

  border: 2px solid rgba(212, 164, 57, 0.35);
}

.client h4 {
  margin: 0 0 5px;

  color: #001426;

  font-size: 15px;
  font-weight: 600;
}

.client span {
  color: #8b98a7;

  font-size: 13px;
}

/* =========================================
   SLIDER ARROWS
========================================= */

.testimonial-btn {
  position: absolute;

  top: 50%;

  transform: translateY(-50%);

  width: 44px;
  height: 44px;

  display: flex;
  align-items: center;
  justify-content: center;

  border-radius: 50%;

  background: #001426;

  color: #f0bd4e;

  border: 1px solid rgba(212, 164, 57, 0.5);

  font-size: 18px;

  cursor: pointer;

  z-index: 5;

  transition: all 0.3s ease;
}

.testimonial-btn:hover {
  background: #d4a439;

  color: #001426;

  border-color: #d4a439;

  transform: translateY(-50%) scale(1.08);
}

.testimonial-prev {
  left: -22px;
}

.testimonial-next {
  right: -22px;
}

/* =========================================
   DOTS
========================================= */

.testimonial-dots {
  display: flex;

  justify-content: center;
  align-items: center;

  gap: 8px;

  margin-top: 32px;
}

.testimonial-dot {
  width: 8px;
  height: 8px;

  padding: 0;

  border: none;

  border-radius: 50%;

  background: #cbd1d8;

  cursor: pointer;

  transition: all 0.3s ease;
}

.testimonial-dot.active {
  width: 26px;

  border-radius: 10px;

  background: #d4a439;
}

/* =========================================
   TABLET
========================================= */

@media (max-width: 1000px) {
  .testimonial-card {
    flex: 0 0 calc((100% - 28px) / 2);
  }

  .testimonial-prev {
    left: -15px;
  }

  .testimonial-next {
    right: -15px;
  }
}

/* =========================================
   MOBILE
========================================= */

@media (max-width: 650px) {
  .testimonial-section {
    padding: 50px 0;
  }

  .testimonial-slider {
    margin-top: 35px;
  }

  .testimonial-card {
    flex: 0 0 100%;

    padding: 30px 25px;

    min-height: 270px;
  }

  .testimonial-card p {
    font-size: 15px;
  }

  .testimonial-btn {
    width: 38px;
    height: 38px;

    font-size: 15px;
  }

  .testimonial-prev {
    left: 8px;
  }

  .testimonial-next {
    right: 8px;
  }
}

/* =========================================
   PREMIUM FOOTER
========================================= */

.site-footer {
  position: relative;
  background: #001426;
  color: #fff;
  overflow: hidden;
}

/* subtle gold glow */
.site-footer::before {
  content: "";
  position: absolute;
  top: -180px;
  left: -180px;
  width: 450px;
  height: 450px;
  background: radial-gradient(
    circle,
    rgba(212, 164, 57, 0.08) 0%,
    transparent 70%
  );
  pointer-events: none;
}

/* =========================================
   MAIN FOOTER
========================================= */

.footer-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1.35fr 0.75fr 1.25fr 1.25fr;
  gap: 70px;
  padding-top: 50px;
  padding-bottom: 20px;
}

/* =========================================
   ABOUT
========================================= */

.footer-about {
  max-width: 360px;
}

.footer-brand {
  display: inline-block;
  /* margin-bottom: 22px; */
}

.footer-logo {
  width: 100%;
  height: 100px;
  display: block;
  background: #fff;
  border-radius: 10px;
  padding: 10px;
}

.footer-description {
  color: rgba(255, 255, 255, 0.72);
  font-size: 15px;
  line-height: 1.8;
  margin: 0;
}

/* =========================================
   SOCIAL ICONS
========================================= */

.footer-social {
  display: flex;
  gap: 11px;
  margin-top: 28px;
}

.footer-social a {
  width: 42px;
  height: 42px;

  display: flex;
  align-items: center;
  justify-content: center;

  border: 1px solid rgba(212, 164, 57, 0.55);
  border-radius: 50%;

  color: #d4a439;
  text-decoration: none;

  font-size: 14px;
  font-weight: 600;

  transition: all 0.3s ease;
}

.footer-social a:hover {
  background: #d4a439;
  color: #001426;
  border-color: #d4a439;
  transform: translateY(-4px);
}

/* =========================================
   FOOTER COLUMNS
========================================= */

.footer-column h3 {
  position: relative;

  margin: 4px 0 10px;

  font-size: 18px;
  font-weight: 600;

  color: #ffffff;
}

.footer-heading-line {
  width: 42px;
  height: 2px;

  background: #d4a439;

  margin-bottom: 22px;

  position: relative;
}

.footer-heading-line::after {
  content: "";
  position: absolute;

  left: 47px;
  top: 0;

  width: 8px;
  height: 2px;

  background: rgba(212, 164, 57, 0.35);
}

.footer-column > a {
  display: block;

  width: fit-content;

  margin-bottom: 13px;

  color: rgba(255, 255, 255, 0.72);

  text-decoration: none;

  font-size: 14.5px;
  line-height: 1.6;

  transition: all 0.3s ease;
}

.footer-column > a::before {
  content: "›";

  color: #d4a439;

  margin-right: 8px;

  opacity: 0;

  transform: translateX(-5px);

  display: inline-block;

  transition: all 0.3s ease;
}

.footer-column > a:hover {
  color: #ffffff;
  transform: translateX(4px);
}

.footer-column > a:hover::before {
  opacity: 1;
  transform: translateX(0);
}

/* =========================================
   CONTACT
========================================= */

.footer-contact {
  max-width: 360px;
}

.contact-item {
  display: flex;
  align-items: flex-start;

  gap: 13px;

  /* margin-bottom: 18px; */
}

.contact-icon {
  flex: 0 0 34px;

  width: 34px;
  height: 34px;

  display: flex;
  align-items: center;
  justify-content: center;

  border-radius: 50%;

  border: 1px solid rgba(212, 164, 57, 0.4);

  color: #d4a439;

  font-size: 14px;
}

.contact-item p {
  margin: 0;

  color: rgba(255, 255, 255, 0.72);

  font-size: 14px;
  line-height: 1.7;
}

.contact-item a {
  color: rgba(255, 255, 255, 0.78);

  text-decoration: none;

  font-size: 14px;
  line-height: 1.6;

  transition: color 0.3s ease;
}

.contact-item a:hover {
  color: #d4a439;
}

/* =========================================
   FOOTER BOTTOM
========================================= */

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);

  background: rgba(0, 0, 0, 0.12);
}

.footer-bottom-inner {
  min-height: 55px;

  display: flex;
  align-items: center;
  justify-content: space-between;

  gap: 20px;
  border-top: 2px solid gold;
}

.footer-bottom p {
  margin: 0;

  color: rgba(255, 255, 255, 0.48);

  font-size: 13px;
  line-height: 1.6;
}

.footer-bottom strong {
  color: rgba(255, 255, 255, 0.75);
  font-weight: 500;
}

.footer-bottom a {
  color: #d4a439;

  text-decoration: none;

  transition: color 0.3s ease;
}

.footer-bottom a:hover {
  color: #ffffff;
}

/* =========================================
   RESPONSIVE
========================================= */

@media (max-width: 1100px) {
  .footer-grid {
    grid-template-columns: 1.2fr 0.8fr 1fr;
    gap: 45px;
  }

  .footer-contact {
    grid-column: span 3;
    max-width: 100%;
  }
}

@media (max-width: 768px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 40px 30px;

    padding: 55px 0 45px;
  }

  .footer-about {
    grid-column: span 2;
    max-width: 100%;
  }

  .footer-contact {
    grid-column: span 2;
  }

  .footer-bottom-inner {
    flex-direction: column;
    justify-content: center;
    text-align: center;

    padding: 18px 0;
  }
}

@media (max-width: 520px) {
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 35px;

    padding: 45px 20px 40px;
  }

  .footer-about,
  .footer-contact {
    grid-column: span 1;
  }

  .footer-logo {
    width: 190px;
  }

  .footer-description {
    font-size: 14px;
  }

  .footer-column h3 {
    font-size: 17px;
  }

  .footer-bottom-inner {
    padding: 18px 20px;
  }

  .footer-bottom p {
    font-size: 12px;
  }
}


/* ================================
   FLOATING BUTTONS
================================ */

.floating-buttons {
    position: fixed;
    right: 25px;
    bottom: 25px;
    z-index: 9999;

    display: flex;
    flex-direction: column;
    gap: 12px;
}

/* Common Button */
.floating-btn {
    width: 52px;
    height: 52px;
    border-radius: 50%;

    display: flex;
    align-items: center;
    justify-content: center;

    text-decoration: none;
    border: none;
    cursor: pointer;

    position: relative;

    font-size: 23px;

    transition: all 0.3s ease;

    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.20);
}

/* WhatsApp */
.whatsapp-btn {
    background: #25D366;
    color: #fff;
}

.whatsapp-btn:hover {
    background: #1ebe5d;
    color: #fff;
    transform: translateY(-4px) scale(1.05);
}

/* Back To Top */
.top-btn {
    background: #111;
    color: #fff;

    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
}

.top-btn.show {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.top-btn:hover {
    background: #333;
    color: #fff;
    transform: translateY(-4px);
}

/* Tooltip */
.floating-tooltip {
    position: absolute;
    right: 65px;

    background: #111;
    color: #fff;

    font-size: 13px;
    font-weight: 500;

    white-space: nowrap;

    padding: 8px 12px;
    border-radius: 5px;

    opacity: 0;
    visibility: hidden;

    transform: translateX(10px);

    transition: all 0.25s ease;

    pointer-events: none;
}

.floating-btn:hover .floating-tooltip {
    opacity: 1;
    visibility: visible;
    transform: translateX(0);
}

/* Mobile */
@media (max-width: 576px) {

    .floating-buttons {
        right: 15px;
        bottom: 15px;
        gap: 10px;
    }

    .floating-btn {
        width: 46px;
        height: 46px;
        font-size: 20px;
    }

    .floating-tooltip {
        display: none;
    }
}

/* =========================================================
   SUB-PAGE HERO / BANNER & BREADCRUMBS
========================================================= */

.page-banner {
  position: relative;
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.94) 0%, rgba(0, 35, 68, 0.88) 100%), var(--banner-bg, url('../hero-bg.jpg')) center/cover no-repeat;
  padding: 80px 0 65px;
  color: #fff;
  border-bottom: 2px solid rgba(217, 154, 39, 0.4);
}

.page-banner.home-loan-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../home-loan.jpg') center/cover no-repeat;
}
.page-banner.business-loan-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../business-loan.jpg') center/cover no-repeat;
}
.page-banner.lap-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../lap-banner.jpg') center/cover no-repeat;
}
.page-banner.personal-loan-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../personal-loan.jpg') center/cover no-repeat;
}
.page-banner.credit-card-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../credit-card.jpg') center/cover no-repeat;
}
.page-banner.financial-planning-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../financial-planning.jpg') center/cover no-repeat;
}
.page-banner.about-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../about-banner.jpg') center/cover no-repeat;
}
.page-banner.contact-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../contact-banner.jpg') center/cover no-repeat;
}
.page-banner.services-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../services-banner.jpg') center/cover no-repeat;
}
.page-banner.apply-banner {
  background: linear-gradient(135deg, rgba(0, 20, 38, 0.92) 0%, rgba(0, 35, 68, 0.85) 100%), url('../apply-banner.jpg') center/cover no-repeat;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 16px;
}
.breadcrumb a {
  color: var(--gold-light);
  transition: color 0.2s;
}
.breadcrumb a:hover {
  color: #fff;
}
.breadcrumb span {
  color: rgba(255, 255, 255, 0.4);
}

.page-banner-content {
  max-width: 820px;
}
.page-banner h1 {
  font-family: var(--serif);
  font-size: clamp(32px, 4.5vw, 48px);
  margin: 0 0 16px;
  color: #fff;
  line-height: 1.2;
}
.page-banner h1 span {
  color: var(--gold-light);
  display: block;
  font-size: clamp(18px, 2.5vw, 24px);
  font-family: var(--sans);
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 8px;
}
.page-banner p {
  font-size: 17px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.85);
  margin: 0 0 24px;
}
.page-banner-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* =========================================================
   EMI CALCULATOR
========================================================= */

.emi-calculator-card {
  background: #fff;
  border-radius: 16px;
  padding: 36px;
  box-shadow: 0 15px 40px rgba(0, 29, 59, 0.1);
  border: 1px solid rgba(217, 154, 39, 0.25);
  margin: 40px auto;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
  align-items: center;
}
@media (max-width: 900px) {
  .calc-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
}
.calc-input-group {
  margin-bottom: 26px;
}
.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}
.calc-label-row label {
  font-weight: 600;
  color: var(--navy);
  font-size: 15px;
}
.calc-label-row .calc-value-box {
  background: #f4f7fb;
  border: 1px solid #d5e0ee;
  border-radius: 6px;
  padding: 6px 14px;
  font-weight: 700;
  color: var(--navy);
  font-size: 16px;
}
.calc-range {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #e2e8f0;
  outline: none;
  accent-color: var(--gold);
  cursor: pointer;
}
.calc-min-max {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: #718096;
  margin-top: 6px;
}
.calc-result-box {
  background: linear-gradient(145deg, #001d3b, #002c59);
  color: #fff;
  border-radius: 14px;
  padding: 30px;
  text-align: center;
  position: relative;
  overflow: hidden;
  box-shadow: 0 10px 25px rgba(0, 29, 59, 0.25);
}
.calc-result-box::before {
  content: '';
  position: absolute;
  top: -50px;
  right: -50px;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: rgba(217, 154, 39, 0.15);
}
.calc-result-title {
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--gold-light);
  margin-bottom: 6px;
}
.calc-monthly-emi {
  font-size: 38px;
  font-weight: 700;
  color: #fff;
  font-family: var(--serif);
  margin: 10px 0 20px;
}
.calc-breakdown {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 18px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  text-align: left;
  margin-bottom: 22px;
}
.calc-breakdown-item small {
  display: block;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.65);
}
.calc-breakdown-item strong {
  font-size: 16px;
  color: var(--gold-light);
}

/* =========================================================
   SERVICE DETAIL LAYOUT & CARDS
========================================================= */

.service-content-section {
  padding: 20px 0;
}
.service-overview-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 50px;
  align-items: center;
  margin-bottom: 60px;
}
@media (max-width: 900px) {
  .service-overview-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }
}
.service-img-card {
  position: relative;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.12);
  border: 3px solid #fff;
}
.service-img-card img {
  width: 100%;
  height: 400px;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.service-img-card:hover img {
  transform: scale(1.04);
}
.service-features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  margin: 40px 0;
}
.service-feature-card {
  background: #f9fbfd;
  border: 1px solid #e2eaf4;
  border-radius: 12px;
  padding: 24px;
  transition: all 0.3s ease;
  position: relative;
}
.service-feature-card:hover {
  transform: translateY(-5px);
  border-color: var(--gold);
  box-shadow: 0 10px 25px rgba(0, 29, 59, 0.08);
}
.service-feature-card .icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: rgba(217, 154, 39, 0.15);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 16px;
}
.service-feature-card h3 {
  font-size: 18px;
  color: var(--navy);
  margin: 0 0 8px;
}
.service-feature-card p {
  font-size: 14px;
  color: #556882;
  margin: 0;
  line-height: 1.5;
}

/* Document & Eligibility Checklist */
.checklist-section {
  background: #f4f7fb;
  padding: 60px 0;
  border-radius: 20px;
  margin: 40px 0;
}
.checklist-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
}
@media (max-width: 768px) {
  .checklist-grid {
    grid-template-columns: 1fr;
  }
}
.checklist-card {
  background: #fff;
  padding: 30px;
  border-radius: 14px;
  border: 1px solid #e1e8f2;
  box-shadow: 0 5px 20px rgba(0, 0, 0, 0.03);
}
.checklist-card h3 {
  font-size: 20px;
  color: var(--navy);
  margin: 0 0 18px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.checklist-card h3 i {
  color: var(--gold);
  font-size: 22px;
}
.checklist-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.checklist-list li {
  padding: 10px 0;
  border-bottom: 1px dashed #e8eef5;
  font-size: 15px;
  color: #334155;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.checklist-list li:last-child {
  border-bottom: none;
}
.checklist-list li i {
  color: #10b981;
  font-size: 18px;
  margin-top: 2px;
}

/* =========================================================
   CONTACT PAGE & EMBEDDED MAP
========================================================= */

.contact-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  margin-bottom: 50px;
}
@media (max-width: 850px) {
  .contact-hero-grid {
    grid-template-columns: 1fr;
  }
}
.contact-map-wrapper {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
  border: 2px solid #e5edf5;
  height: 100%;
  min-height: 380px;
}
.contact-map-wrapper iframe {
  width: 100%;
  height: 100%;
  min-height: 380px;
  border: none;
}

/* =========================================================
   APPLY NOW MULTI-FIELD FUNNEL
========================================================= */

.apply-container {
  max-width: 800px;
  margin: 40px auto;
  background: #fff;
  border-radius: 18px;
  padding: 40px;
  box-shadow: 0 15px 45px rgba(0, 29, 59, 0.1);
  border: 1px solid rgba(217, 154, 39, 0.3);
}
.apply-title {
  text-align: center;
  margin-bottom: 30px;
}
.apply-title h2 {
  font-family: var(--serif);
  font-size: 28px;
  color: var(--navy);
  margin: 0 0 10px;
}
.apply-title p {
  color: #64748b;
  font-size: 15px;
  margin: 0;
}
.trust-badges-inline {
  display: flex;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-top: 30px;
  padding-top: 20px;
  border-top: 1px solid #eef2f6;
}
.trust-badge-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: #475569;
  font-weight: 500;
}
.trust-badge-item i {
  color: var(--gold);
  font-size: 18px;
}

/* =========================================================
   LEGAL / POLICY PAGES
========================================================= */

.legal-section {
  padding: 60px 0;
  background: #fff;
}
.legal-card {
  max-width: 960px;
  margin: auto;
  background: #fcfdfe;
  border: 1px solid #e2eaf4;
  border-radius: 16px;
  padding: 40px;
  box-shadow: 0 5px 25px rgba(0, 0, 0, 0.04);
}
.legal-card h2 {
  color: var(--navy);
  font-size: 22px;
  margin: 28px 0 12px;
}
.legal-card p, .legal-card li {
  color: #475569;
  line-height: 1.7;
  font-size: 15px;
}
.legal-card ul {
  padding-left: 20px;
  margin-bottom: 18px;
}
.legal-card ul li {
  margin-bottom: 8px;
}

/* Nav Active Link State */
.main-nav a.active {
  color: var(--gold-light);
  font-weight: 600;
}

/* =========================================================
   FOUNDER & LEADERSHIP SPOTLIGHT
========================================================= */

.founder-section {
  padding: 20px 0;
  background: linear-gradient(145deg, #ffffff 0%, #f4f8fc 100%);
  position: relative;
  overflow: hidden;
  border-top: 1px solid #e8eef6;
  border-bottom: 1px solid #e8eef6;
}
.founder-grid {
  display: grid;
  grid-template-columns: 400px 1fr;
  gap: 50px;
  align-items: center;
}
@media (max-width: 991px) {
  .founder-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}
.founder-image-wrapper {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 45px rgba(0, 29, 59, 0.15);
  border: 4px solid #fff;
  background: #001d3b;
}
.founder-image-wrapper img {
  width: 100%;
  height: 480px;
  object-fit: cover;
  object-position: top center;
  display: block;
  transition: transform 0.5s ease;
}
.founder-image-wrapper:hover img {
  transform: scale(1.03);
}
.founder-exp-badge {
  position: absolute;
  bottom: 20px;
  left: 20px;
  right: 20px;
  background: rgba(0, 29, 59, 0.92);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(217, 154, 39, 0.45);
  border-radius: 12px;
  padding: 14px 20px;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 15px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.25);
}
.founder-exp-badge .exp-num {
  font-family: var(--serif);
  font-size: 32px;
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1;
}
.founder-exp-badge .exp-text {
  font-size: 13px;
  line-height: 1.35;
  color: rgba(255, 255, 255, 0.9);
}
.founder-info h2 {
  font-family: var(--serif);
  font-size: 36px;
  color: var(--navy);
  margin: 8px 0 6px;
}
.founder-designation {
  font-size: 16px;
  font-weight: 700;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
  display: block;
}
.founder-bio {
  font-size: 16px;
  line-height: 1.75;
  color: #475569;
  margin-bottom: 20px;
}
.founder-quote {
  background: #ffffff;
  border-left: 4px solid var(--gold);
  border-radius: 0 10px 10px 0;
  padding: 18px 24px;
  margin: 24px 0 28px;
  box-shadow: 0 6px 20px rgba(0, 29, 59, 0.05);
}
.founder-quote p {
  font-size: 15px;
  font-style: italic;
  color: var(--navy);
  line-height: 1.6;
  margin: 0;
}
.founder-highlights {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.founder-highlight-item {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #ffffff;
  padding: 10px 18px;
  border-radius: 8px;
  border: 1px solid #e2eaf4;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
}
.founder-highlight-item i {
  color: var(--gold);
  font-size: 18px;
}