/* ============================================
   SanVansh Financial Solutions - Stylesheet
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Montserrat:wght@300;400;500;600;700&display=swap');

/* ---- CSS Variables ---- */
:root {
  --navy: #001F4D;
  --navy-dark: #000D26;
  --cream: #F5E6D3;
  --cream-light: #FFFAF0;
  --gold: #D4AF37;
  --teal: #0D8B8B;
  --text-dark: #1a1a2e;
  --text-muted: #5a6a80;
  --white: #ffffff;
  --shadow: 0 4px 24px rgba(0, 31, 77, 0.12);
  --shadow-hover: 0 8px 40px rgba(0, 31, 77, 0.2);
  --radius: 8px;
  --transition: all 0.3s ease;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-dark);
  background: var(--white);
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  line-height: 1.3;
}

/* ---- Utility Classes ---- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 60px 0; }
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-teal { color: var(--teal); }
.bg-navy { background: var(--navy); }
.bg-cream { background: var(--cream-light); }
.bg-dark-navy { background: var(--navy-dark); }

.section-label {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  display: block;
}

.section-title {
  font-size: clamp(28px, 4vw, 40px);
  color: var(--navy);
  margin-bottom: 20px;
}

.section-title.light { color: var(--white); }

.section-desc {
  font-size: 16px;
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto 48px;
}

.divider {
  width: 60px;
  height: 3px;
  background: var(--gold);
  margin: 16px auto 32px;
  border-radius: 2px;
}

.divider.left { margin: 16px 0 32px; }

/* ---- Buttons ---- */
.btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: var(--radius);
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.btn-primary:hover {
  background: #c4a030;
  border-color: #c4a030;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(212, 175, 55, 0.4);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}

.btn-secondary:hover {
  background: var(--white);
  color: var(--navy);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}

.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

/* ============================================
   HEADER / NAVIGATION
   ============================================ */
.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  background: #ffffff;
  border-bottom: 3px solid var(--gold);
  box-shadow: 0 2px 16px rgba(0,31,77,0.1);
  transition: var(--transition);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo img {
  height: 64px;
  width: auto;
  border-radius: 6px;
  display: block;
}

/* Nav */
.nav { display: flex; align-items: center; gap: 4px; }

.nav-link {
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: 4px;
  transition: var(--transition);
  letter-spacing: 0.3px;
  position: relative;
}

.nav-link:hover, .nav-link.active {
  color: var(--gold);
  background: rgba(212, 175, 55, 0.08);
}

/* Dropdown */
.nav-item { position: relative; }

.nav-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  min-width: 220px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-hover);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: var(--transition);
  border-top: 3px solid var(--gold);
}

.nav-item:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown a {
  display: block;
  padding: 12px 20px;
  font-size: 13px;
  color: var(--navy);
  font-weight: 500;
  border-bottom: 1px solid rgba(0,31,77,0.06);
  transition: var(--transition);
}

.nav-dropdown a:last-child { border-bottom: none; }
.nav-dropdown a:hover { background: var(--cream-light); color: var(--navy); padding-left: 28px; }

.nav-cta {
  background: var(--gold);
  color: var(--navy) !important;
  border-radius: var(--radius);
  padding: 9px 20px !important;
  font-weight: 700 !important;
  margin-left: 12px;
}

.nav-cta:hover { background: #c4a030 !important; transform: translateY(-1px); }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--cream);
  border-radius: 2px;
  transition: var(--transition);
}

/* ============================================
   HERO CAROUSEL — Split layout
   Desktop: image left (full, no crop) + text right
   Mobile:  image top (full width) + text below
   ============================================ */
.hero-caro {
  position: relative;
  height: calc(100svh - 120px);
  min-height: 520px;
  overflow: hidden;
  margin-top: 96px;   /* 80px header + 16px gap */
  margin-left: 72px;
  margin-right: 72px;
  border-radius: 20px;
}

/* Each slide — flex row on desktop */
.caro-slide {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: row;
  opacity: 0;
  transition: opacity 1s ease;
  pointer-events: none;
  background: var(--navy-dark);
  background-image: none !important; /* disable inline style bg — <img> used instead */
}
.caro-slide.active { opacity: 1; pointer-events: auto; }

/* Responsive image — left panel, full image visible */
.caro-img {
  display: block;
  width: 58%;
  height: 100%;
  object-fit: contain;   /* show whole image, no crop */
  object-position: center center;
  background: var(--navy-dark);
  flex-shrink: 0;
}

/* No overlay needed — text is on its own panel */
.caro-overlay { display: none; }

/* Text panel — right side dark navy */
.caro-content {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 48px 40px;
  background: var(--navy-dark);
  border-left: 3px solid rgba(212,175,55,0.25);
}

.caro-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(212,175,55,0.15);
  border: 1px solid rgba(212,175,55,0.4);
  color: var(--gold);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 7px 16px;
  border-radius: 50px;
  margin-bottom: 20px;
  width: fit-content;
}

.caro-badge::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--gold);
  border-radius: 50%;
  flex-shrink: 0;
}

.caro-content h1 {
  font-size: clamp(26px, 3.2vw, 52px);
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}
.caro-content h1 span { color: var(--gold); }

.caro-content p {
  font-size: 16px;
  color: rgba(245,230,211,0.82);
  margin-bottom: 32px;
  line-height: 1.75;
}

.caro-btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* Prev / Next arrows */
.caro-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 52px;
  height: 52px;
  background: rgba(0,0,0,0.35);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 50%;
  color: var(--white);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  backdrop-filter: blur(4px);
}

.caro-arrow:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}

.caro-prev { left: 24px; }
.caro-next { right: 24px; }

/* Navigation dots */
.caro-dots {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  gap: 8px;
}

.caro-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: transparent;
  border: 2px solid rgba(255,255,255,0.7);
  cursor: pointer;
  transition: var(--transition);
  padding: 0;
}

.caro-dot.active {
  background: var(--gold);
  width: 28px;
  border-radius: 4px;
}

/* Slide counter — hidden */
.caro-counter { display: none; }

/* Gold accent line at bottom */
.caro-gold-line {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--teal), var(--gold));
  z-index: 10;
}

/* ============================================
   HOW WE WORK SECTION
   ============================================ */
.how-we-work { background: var(--cream-light); }

.how-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.how-content .section-label { text-align: left; }
.how-content .section-title { text-align: left; }

.how-content p {
  color: var(--text-muted);
  margin-bottom: 20px;
  font-size: 15px;
  line-height: 1.8;
}

.how-features {
  margin-top: 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.how-feature {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.how-feature-icon {
  width: 36px;
  height: 36px;
  background: var(--teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

.how-feature-icon svg { width: 16px; height: 16px; fill: white; }

.how-feature-text strong {
  display: block;
  color: var(--navy);
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 2px;
}
.how-feature-text span { font-size: 13px; color: var(--text-muted); }

.how-visual {
  position: relative;
}

.how-card-visual {
  background: var(--navy);
  border-radius: 16px;
  padding: 48px;
  color: white;
  position: relative;
  overflow: hidden;
}

.how-card-visual::before {
  content: '';
  position: absolute;
  top: -30px;
  right: -30px;
  width: 160px;
  height: 160px;
  background: rgba(212,175,55,0.1);
  border-radius: 50%;
}

.how-card-visual::after {
  content: '';
  position: absolute;
  bottom: -40px;
  left: -20px;
  width: 120px;
  height: 120px;
  background: rgba(13,139,139,0.1);
  border-radius: 50%;
}

.how-card-items {
  display: flex;
  flex-direction: column;
  gap: 20px;
  position: relative;
  z-index: 1;
}

.how-card-item {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 16px;
  background: rgba(255,255,255,0.06);
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
}

.how-card-item-num {
  font-family: 'Playfair Display', serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--gold);
  min-width: 40px;
}

.how-card-item-text {
  font-size: 14px;
  color: var(--cream);
  font-weight: 500;
  line-height: 1.4;
}

/* ============================================
   SERVICES SECTION
   ============================================ */
.services { background: var(--white); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 12px;
}

.service-card {
  background: var(--white);
  border: 1px solid rgba(0,31,77,0.08);
  border-radius: 12px;
  padding: 36px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
  border-color: transparent;
}

.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 60px;
  height: 60px;
  background: var(--navy);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  transition: var(--transition);
}

.service-card:hover .service-icon { background: var(--gold); }

.service-icon svg { width: 28px; height: 28px; fill: var(--cream); }
.service-card:hover .service-icon svg { fill: var(--navy); }

.service-card h3 {
  font-size: 20px;
  color: var(--navy);
  margin-bottom: 12px;
}

.service-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 20px;
}

.service-link {
  font-size: 13px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.5px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

.service-link:hover { gap: 10px; }
.service-link::after { content: '→'; }

/* ============================================
   STEPS TO FINANCIAL SECURITY
   ============================================ */
.steps { background: var(--navy); }

.steps .section-title { color: var(--white); }
.steps .section-desc { color: rgba(245,230,211,0.7); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.step-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(245,230,211,0.1);
  border-radius: 12px;
  padding: 32px 28px;
  transition: var(--transition);
  position: relative;
}

.step-card:hover {
  background: rgba(255,255,255,0.08);
  border-color: var(--gold);
  transform: translateY(-4px);
}

.step-num {
  font-family: 'Playfair Display', serif;
  font-size: 48px;
  font-weight: 700;
  color: rgba(212,175,55,0.2);
  line-height: 1;
  margin-bottom: 16px;
}

.step-card h3 {
  font-size: 18px;
  color: var(--cream);
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.step-card p {
  font-size: 14px;
  color: rgba(245,230,211,0.65);
  line-height: 1.7;
}

.step-icon {
  width: 44px;
  height: 44px;
  background: var(--gold);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.step-icon svg { width: 22px; height: 22px; fill: var(--navy); }

/* ============================================
   WHY CHOOSE US / DIFFERENTIATORS
   ============================================ */
.why-us { background: var(--cream-light); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}

.why-card {
  text-align: center;
  padding: 32px 20px;
}

.why-icon {
  width: 72px;
  height: 72px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  transition: var(--transition);
}

.why-card:hover .why-icon {
  background: var(--gold);
  transform: scale(1.05);
}

.why-icon svg { width: 32px; height: 32px; fill: var(--cream); }
.why-card:hover .why-icon svg { fill: var(--navy); }

.why-card h3 {
  font-size: 18px;
  color: var(--navy);
  margin-bottom: 10px;
}

.why-card p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials { background: var(--off-white, #f9f7f4); }

/* ---- Service tabs ---- */
.testi-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
  margin: 36px 0 36px;
}

.testi-tab {
  padding: 9px 20px;
  border-radius: 50px;
  border: 2px solid var(--navy);
  background: transparent;
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s, color 0.2s, transform 0.15s;
  white-space: nowrap;
  letter-spacing: 0.2px;
}
.testi-tab:hover { background: rgba(0,31,77,0.08); }
.testi-tab.active {
  background: var(--navy);
  color: #fff;
  transform: translateY(-1px);
}

/* ---- Stage (one visible panel at a time) ---- */
.testi-stage {
  max-width: 820px;
  margin: 0 auto;
}

.testi-panel {
  display: none;
}
.testi-panel.active {
  display: block;
  animation: testiIn 0.35s ease;
}
@keyframes testiIn {
  from { opacity: 0; transform: translateY(14px); }
  to   { opacity: 1; transform: translateY(0); }
}

.testi-inner {
  background: var(--white);
  border: 1px solid rgba(0,31,77,0.08);
  border-radius: 20px;
  padding: 44px 52px;
  position: relative;
  box-shadow: 0 6px 36px rgba(0,31,77,0.09);
  transition: var(--transition);
}
.testi-inner:hover {
  box-shadow: var(--shadow);
  border-color: rgba(212,175,55,0.3);
}

/* Service badge inside the card */
.testi-badge {
  display: inline-block;
  background: var(--teal, #006952);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.7px;
  padding: 4px 14px;
  border-radius: 50px;
  margin-bottom: 18px;
  text-transform: uppercase;
}

/* ---- Progress dots ---- */
.testi-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 28px;
}
.testi-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #ccc;
  border: none;
  cursor: pointer;
  padding: 0;
  transition: all 0.25s;
}
.testi-dot.active {
  background: var(--navy);
  width: 24px;
  border-radius: 4px;
}

/* Legacy card selector kept for any other pages */
.testimonial-card {
  background: var(--white);
  border: 1px solid rgba(0,31,77,0.08);
  border-radius: 12px;
  padding: 32px 28px;
  position: relative;
  transition: var(--transition);
}
.testimonial-card:hover {
  box-shadow: var(--shadow);
  border-color: rgba(212,175,55,0.3);
}

.quote-mark {
  font-family: 'Playfair Display', serif;
  font-size: 72px;
  color: var(--gold);
  opacity: 0.3;
  line-height: 0.8;
  margin-bottom: 12px;
  display: block;
}

.testimonial-card p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.stars {
  color: var(--gold);
  font-size: 16px;
  letter-spacing: 2px;
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 20px;
  border-top: 1px solid rgba(0,31,77,0.06);
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--cream);
  font-family: 'Playfair Display', serif;
  font-size: 16px;
  font-weight: 700;
  flex-shrink: 0;
}

.author-info strong {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
}
.author-info span { font-size: 12px; color: var(--text-muted); }

/* ============================================
   CTA SECTION
   ============================================ */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(212,175,55,0.06) 0%, transparent 70%);
}

.cta-section h2 {
  font-size: clamp(28px, 4vw, 44px);
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
}

.cta-section p {
  font-size: 17px;
  color: rgba(245,230,211,0.8);
  max-width: 560px;
  margin: 0 auto 36px;
  position: relative;
}

.cta-btns {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
}

.cta-phones {
  display: flex;
  gap: 40px;
  justify-content: center;
  margin-top: 40px;
  padding-top: 36px;
  border-top: 1px solid rgba(245,230,211,0.1);
  position: relative;
}

.cta-phone-item {
  text-align: center;
}

.cta-phone-item span {
  display: block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 4px;
}

.cta-phone-item a {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 600;
  color: var(--cream);
  transition: var(--transition);
}

.cta-phone-item a:hover { color: var(--gold); }

/* ============================================
   CONTACT PAGE
   ============================================ */
.contact-section { background: var(--white); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 64px;
  align-items: start;
}

.contact-info h2 {
  font-size: 32px;
  color: var(--navy);
  margin-bottom: 16px;
}

.contact-info p {
  font-size: 15px;
  color: var(--text-muted);
  margin-bottom: 32px;
  line-height: 1.7;
}

.contact-items { display: flex; flex-direction: column; gap: 20px; }

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-item-icon {
  width: 44px;
  height: 44px;
  background: var(--navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-item-icon svg { width: 20px; height: 20px; fill: var(--gold); }

.contact-item-text strong {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}

.contact-item-text a, .contact-item-text span {
  font-size: 15px;
  color: var(--text-muted);
  transition: var(--transition);
}

.contact-item-text a:hover { color: var(--navy); }

/* Contact Form */
.contact-form-wrap {
  background: var(--cream-light);
  border-radius: 16px;
  padding: 48px;
}

.contact-form-wrap h3 {
  font-size: 26px;
  color: var(--navy);
  margin-bottom: 8px;
}

.contact-form-wrap p {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 32px;
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid rgba(0,31,77,0.15);
  border-radius: var(--radius);
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  color: var(--text-dark);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0,31,77,0.08);
}

.form-group textarea { resize: vertical; min-height: 120px; }

.form-check {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 28px;
  font-size: 13px;
  color: var(--text-muted);
  cursor: pointer;
}

.form-check input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--navy);
  cursor: pointer;
}

/* ============================================
   ABOUT PAGE
   ============================================ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
  max-width: 900px;
  margin: 0 auto;
}

.team-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid rgba(0,31,77,0.08);
  transition: var(--transition);
}

.team-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
}

.team-photo {
  height: 260px;
  background: linear-gradient(135deg, var(--navy) 0%, #003580 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.team-photo-initials {
  font-family: 'Playfair Display', serif;
  font-size: 72px;
  font-weight: 700;
  color: rgba(245,230,211,0.2);
  position: absolute;
}

.team-photo-content {
  position: relative;
  z-index: 1;
  text-align: center;
}

.team-avatar {
  width: 100px;
  height: 100px;
  background: var(--cream);
  border-radius: 50%;
  border: 4px solid rgba(212,175,55,0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
  font-family: 'Playfair Display', serif;
  font-size: 36px;
  font-weight: 700;
  color: var(--navy);
}

.team-photo-title {
  font-size: 12px;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
}

.team-info { padding: 32px; }

.team-info h3 {
  font-size: 24px;
  color: var(--navy);
  margin-bottom: 4px;
}

.team-role {
  font-size: 13px;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
}

.team-info p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 20px;
}

.team-contact {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.team-contact a {
  font-size: 14px;
  color: var(--navy);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
}

.team-contact a:hover { color: var(--teal); }

/* Mission section */
.mission { background: var(--navy); }
.mission-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.mission-item {
  text-align: center;
  padding: 32px 24px;
  border: 1px solid rgba(245,230,211,0.1);
  border-radius: 12px;
}

.mission-item h3 {
  font-size: 20px;
  color: var(--gold);
  margin-bottom: 12px;
}

.mission-item p {
  font-size: 14px;
  color: rgba(245,230,211,0.7);
  line-height: 1.7;
}

/* ============================================
   PAGE HERO (inner pages)
   ============================================ */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 120px 0 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--teal));
}

.page-hero h1 {
  font-size: clamp(32px, 5vw, 52px);
  color: var(--white);
  margin-bottom: 16px;
}

.page-hero p {
  font-size: 17px;
  color: rgba(245,230,211,0.8);
  max-width: 560px;
  margin: 0 auto;
}

.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 13px;
  color: rgba(245,230,211,0.6);
  margin-bottom: 20px;
}
.breadcrumb a { color: var(--gold); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { color: rgba(245,230,211,0.3); }

/* ============================================
   SERVICE DETAIL PAGE
   ============================================ */
.service-detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.service-detail-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 24px 0;
}

.service-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--text-muted);
}

.check {
  color: var(--teal);
  font-size: 18px;
  flex-shrink: 0;
  margin-top: 1px;
}


/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--navy-dark);
  color: var(--cream);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(245,230,211,0.08);
}

.footer-brand .logo { margin-bottom: 20px; }

.footer-brand p {
  font-size: 14px;
  color: rgba(245,230,211,0.6);
  line-height: 1.7;
  max-width: 300px;
  margin-bottom: 24px;
}

.footer-social {
  display: flex;
  gap: 10px;
}

.social-btn {
  width: 36px;
  height: 36px;
  background: rgba(245,230,211,0.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}

.social-btn:hover { background: var(--gold); }
.social-btn svg { width: 16px; height: 16px; fill: var(--cream); }
.social-btn:hover svg { fill: var(--navy); }

.footer-col h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--gold);
  margin-bottom: 20px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }

.footer-col ul li a {
  font-size: 14px;
  color: rgba(245,230,211,0.6);
  transition: var(--transition);
}

.footer-col ul li a:hover {
  color: var(--cream);
  padding-left: 4px;
}

.footer-contact-item {
  display: flex;
  flex-direction: column;
  margin-bottom: 14px;
}

.footer-contact-item span {
  font-size: 11px;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 3px;
}

.footer-contact-item a {
  font-size: 14px;
  color: rgba(245,230,211,0.7);
  transition: var(--transition);
}

.footer-contact-item a:hover { color: var(--cream); }

.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.footer-bottom p {
  font-size: 13px;
  color: rgba(245,230,211,0.4);
  line-height: 1.5;
}

.footer-bottom-links {
  display: flex;
  gap: 24px;
}

.footer-bottom-links a {
  font-size: 13px;
  color: rgba(245,230,211,0.4);
  transition: var(--transition);
}

.footer-bottom-links a:hover { color: var(--gold); }

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

/* Prevent horizontal overflow globally */
html, body { overflow-x: hidden; }
* { max-width: 100%; }

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .testi-inner { padding: 32px 28px; }
  .how-grid { grid-template-columns: 1fr; gap: 48px; }
  .how-visual { display: none; }
  .service-detail-grid { grid-template-columns: 1fr; gap: 40px; }
  .caro-content h1 { font-size: 38px; }
  .caro-arrow { width: 44px; height: 44px; }
}

@media (max-width: 768px) {
  .nav { display: none; }
  .hamburger { display: flex; }

  .nav.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 60px;
    left: 0;
    right: 0;
    background: var(--navy-dark);
    padding: 16px 0 80px;
    gap: 0;
    border-top: 2px solid var(--gold);
    z-index: 999;
    max-height: calc(100vh - 60px);
    overflow-y: auto;
    box-shadow: 0 8px 32px rgba(0,0,0,0.3);
  }

  .nav.open .nav-item { border-bottom: 1px solid rgba(255,255,255,0.06); }
  .nav.open .nav-link { color: var(--cream); padding: 14px 24px; font-size: 15px; display: block; }
  .nav.open .nav-link:hover { color: var(--gold); background: rgba(212,175,55,0.06); }
  .nav.open .nav-link.active { color: var(--gold); }
  .nav.open .nav-link.nav-cta { color: var(--gold); font-weight: 700; }
  .nav.open .nav-dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; background: rgba(0,0,0,0.25); margin: 0; border-top: none; padding: 4px 0; }
  .nav.open .nav-dropdown a { color: rgba(245,230,211,0.65); padding: 10px 40px; border-bottom: 1px solid rgba(255,255,255,0.04); font-size: 13px; }
  .nav.open .nav-dropdown a:hover { color: var(--gold); }

  .hero h1 { font-size: 32px; }
  .hero p { font-size: 15px; }
  .hero-stats { gap: 20px; flex-wrap: wrap; display: grid; grid-template-columns: 1fr 1fr; }
  .hero-btns { flex-direction: column; align-items: flex-start; }
  .hero-btns .btn { width: 100%; text-align: center; }

  .section-pad { padding: 48px 0; }
  .section-pad-sm { padding: 40px 0; }

  .services-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  /* ── Carousel mobile: image top, navy text bottom ── */
  /* Total = header(60) + image(52vw) + text panel(340px)
     52vw: 375px→195px  390px→203px  430px→224px  — keeps image proportional */
  .hero-caro {
    height: calc(60px + 52vw + 340px);
    min-height: 520px;
    max-height: 94vh;
    padding-top: 0;
    overflow: hidden;
    position: relative;
    margin-top: 0; margin-left: 0; margin-right: 0;
    border-radius: 0;
  }
  /* All slides: start BELOW the 60px fixed header */
  .caro-slide {
    position: absolute;
    top: 60px; left: 0; right: 0; bottom: 0;
    flex-direction: column;
    background: var(--navy-dark);
    overflow: hidden;
  }
  /* Active slide: visible flex column */
  .caro-slide.active {
    display: flex;
    flex-direction: column;
  }
  /* Image: always 52vw tall — consistent on every phone */
  .caro-img {
    width: 100%;
    height: 52vw;
    object-fit: cover;
    object-position: center top;
    display: block;
    flex-shrink: 0;
  }
  .caro-overlay { display: none; }
  /* Navy text panel fills remaining 300px; 24px top gap from image border */
  .caro-content {
    flex: 1;
    justify-content: flex-start;
    padding: 24px 20px 16px;
    background: var(--navy-dark);
    border-top: 3px solid rgba(212,175,55,0.45);
    border-left: none;
    overflow: hidden;
  }
  .caro-badge { font-size: 10px; padding: 5px 12px; margin-bottom: 10px; letter-spacing: 1.5px; }
  .caro-content h1 { font-size: clamp(19px, 5.5vw, 26px); margin-bottom: 8px; line-height: 1.25; }
  .caro-content p { font-size: 13px; margin-bottom: 12px; line-height: 1.5; }
  .caro-btns { gap: 8px; }
  /* Arrows: vertically centered in the 52vw image */
  .caro-arrow {
    display: flex;
    width: 36px;
    height: 36px;
    background: rgba(0,0,0,0.55);
    top: calc(60px + 26vw);
    transform: translateY(-50%);
  }
  .caro-prev { left: 10px; }
  .caro-next { right: 10px; }
  .caro-counter { display: none; }
  .caro-btns { flex-direction: column; gap: 10px; width: 100%; }
  .caro-btns .btn {
    display: block;
    width: 100%;
    text-align: center;
    box-sizing: border-box;
    padding: 12px 20px;
  }
  .caro-dots { display: none; }
  .testi-tab { font-size: 12px; padding: 8px 14px; }
  .testi-inner { padding: 28px 20px; }
  .team-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 32px; display: flex; flex-direction: column; }
  .contact-form-wrap { padding: 20px; }
  /* Show form FIRST above the fold on mobile */
  .contact-form-col { order: -1; }
  .contact-info { order: 1; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .footer-bottom-links { flex-wrap: wrap; justify-content: center; }
  .cta-phones { flex-direction: column; gap: 20px; }
  .mission-grid { grid-template-columns: 1fr; }
  .service-detail-grid { grid-template-columns: 1fr; gap: 32px; }

  /* Fix ALL inline grids — covers 1fr 1fr, repeat(2), repeat(3), gap:80px etc */
  [style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
    gap: 24px !important;
  }

  /* CTA section */
  .cta-section { padding: 48px 0; }

  /* Page hero */
  .page-hero { padding: 80px 0 24px; }
  .page-hero h1 { font-size: 24px; }
  .page-hero p { font-size: 14px; margin-top: 8px; }
  /* Contact page: compact hero so form is above fold */
  .contact-section { padding-top: 24px; }

  /* Steps page alternating direction fix */
  [style*="direction: rtl"] { direction: ltr !important; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .why-grid { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 20px; }
  .how-card-visual { padding: 28px; }
  .section-title { font-size: 24px; }

  /* Carousel on small phones (≤480px) — same formula, tighter padding */
  .hero-caro { height: calc(60px + 52vw + 320px); min-height: 480px; max-height: 94vh; margin: 0; border-radius: 0; }
  .caro-content { padding: 20px 16px 16px; }
  .caro-content h1 { font-size: clamp(18px, 5.5vw, 22px); }

  [style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
    gap: 16px !important;
  }
}

/* ============================================
   MOBILE FOOTER + BOTTOM NAV (app-style)
   ============================================ */

/* Hidden on desktop — shown via media query */
.footer-mobile-top { display: none; }
.mobile-bottom-nav { display: none; }
.mobile-header-call { display: none; }

@media (max-width: 768px) {
  /* Push all page content above the bottom nav bar */
  body { padding-bottom: 60px; }

  /* Hide the 4-column desktop footer grid */
  .footer-grid { display: none !important; }

  /* Compact mobile footer */
  .footer { padding: 28px 0 0; }

  .footer-mobile-top {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 0 20px 24px;
    border-bottom: 1px solid rgba(245,230,211,0.08);
  }

  .footer-mobile-top p {
    font-size: 12px;
    color: rgba(245,230,211,0.45);
    margin: 10px 0 18px;
    letter-spacing: 0.5px;
    text-transform: uppercase;
  }

  .footer-mobile-contacts {
    display: flex;
    gap: 10px;
    justify-content: center;
    flex-wrap: wrap;
  }

  .footer-mobile-contact-btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 9px 16px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(212,175,55,0.25);
    border-radius: 24px;
    font-size: 13px;
    font-weight: 600;
    color: var(--cream);
    transition: background 0.2s ease;
  }

  .footer-mobile-contact-btn:hover,
  .footer-mobile-contact-btn:active {
    background: rgba(212,175,55,0.12);
    color: var(--gold);
  }

  .footer-mobile-contact-btn svg {
    width: 14px;
    height: 14px;
    fill: none;
    stroke: var(--gold);
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
    flex-shrink: 0;
  }

  .footer-bottom {
    padding: 14px 20px;
    text-align: center;
    justify-content: center;
  }

  /* Fixed app-style bottom nav */
  .mobile-bottom-nav {
    display: flex;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 2000;
    background: var(--navy-dark);
    border-top: 1px solid rgba(212,175,55,0.18);
    padding-bottom: env(safe-area-inset-bottom, 0px);
    box-shadow: 0 -4px 20px rgba(0,0,0,0.35);
  }

  .mobile-nav-item {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 10px 4px 8px;
    gap: 4px;
    font-size: 10px;
    font-weight: 600;
    letter-spacing: 0.3px;
    text-transform: uppercase;
    color: rgba(245,230,211,0.4);
    text-decoration: none;
    transition: color 0.15s ease;
  }

  .mobile-nav-item svg {
    width: 21px;
    height: 21px;
    fill: none;
    stroke: currentColor;
    stroke-width: 1.8;
    stroke-linecap: round;
    stroke-linejoin: round;
    transition: stroke 0.15s ease;
  }

  .mobile-nav-item.active {
    color: var(--gold);
  }

  .mobile-nav-item:active {
    color: var(--cream);
  }

  /* CTA tab — always gold tint */
  .mobile-nav-item.mobile-nav-cta {
    color: var(--gold);
  }

  .mobile-nav-item.mobile-nav-cta.active {
    color: var(--gold);
  }

  /* Active tab indicator — gold dot above icon */
  .mobile-nav-item.active::before {
    content: '';
    display: block;
    width: 20px;
    height: 3px;
    background: var(--gold);
    border-radius: 2px;
    margin-bottom: 6px;
  }

  /* Mobile header: white bg, logo left, hamburger right */
  .mobile-header-call { display: none !important; }

  .header {
    padding: 0;
    background: #ffffff !important;
    border-bottom: 3px solid var(--gold);
    box-shadow: 0 2px 12px rgba(0,0,0,0.08);
  }
  .header-inner {
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 4px;
  }
  .logo img { height: 40px; }

  /* Hamburger bars — navy on white background */
  .hamburger { display: flex !important; padding: 8px; }
  .hamburger span { background: var(--navy) !important; width: 22px; height: 2.5px; border-radius: 2px; }
  .hamburger span:nth-child(2) { width: 16px; }
}

/* ============================================
   FINANCIAL PARTNERS / CARRIERS
   ============================================ */
.carriers-section {
  background: #f4f6f9;
}

/* ---- Carrier Carousel ---- */
.carriers-carousel-wrap {
  position: relative;
  margin: 40px 0 20px;
  padding: 0 52px;
}

.carriers-carousel-viewport {
  overflow: hidden;
  border-radius: 14px;
}

.carriers-carousel-track {
  display: flex;
  flex-wrap: nowrap;
  gap: 20px;
  transition: transform 0.45s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.carrier-card {
  flex-shrink: 0;
  background: #ffffff;
  border-radius: 14px;
  padding: 36px 20px 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  min-height: 170px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.07);
  border: 1px solid rgba(0,0,0,0.05);
  transition: transform 0.25s, box-shadow 0.25s;
}

.carrier-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(0,31,77,0.14);
}

.carrier-card img {
  max-height: 90px;
  max-width: 200px;
  width: 100%;
  object-fit: contain;
  display: block;
}

.carrier-name {
  display: block;
  font-size: 11px;
  font-weight: 600;
  color: #555;
  text-align: center;
  letter-spacing: 0.3px;
}

/* Arrows */
.carousel-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  background: var(--navy);
  color: #fff;
  border: none;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 28px;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(0,0,0,0.18);
  transition: background 0.2s, opacity 0.2s;
  padding: 0;
}
.carousel-btn:hover { background: var(--teal); }
.carousel-btn:disabled { opacity: 0.2; cursor: default; pointer-events: none; }
.carousel-prev { left: 0; }
.carousel-next { right: 0; }

/* Dots */
.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-bottom: 32px;
}
.carousel-dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #ccc;
  border: none;
  cursor: pointer;
  padding: 0;
  transition: all 0.25s;
}
.carousel-dot.active {
  background: var(--navy);
  width: 28px;
  border-radius: 5px;
}

.carrier-label {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--text-muted);
  text-align: center;
  letter-spacing: 0.3px;
  line-height: 1.3;
}

.financial-disclaimer {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: rgba(212,175,55,0.07);
  border-left: 4px solid var(--gold);
  border-radius: 0 8px 8px 0;
  padding: 18px 22px;
  margin-top: 8px;
}

.financial-disclaimer svg {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  margin-top: 1px;
  color: var(--gold);
}

.financial-disclaimer strong {
  display: block;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.financial-disclaimer p {
  font-size: 11px;
  color: #6b7a8d;
  line-height: 1.75;
  margin: 0;
}

@media (max-width: 768px) {
  .carriers-carousel-wrap {
    padding: 0 38px;
    margin: 28px 0 16px;
  }
  .carrier-card {
    padding: 24px 12px 16px;
    min-height: 130px;
  }
  .carrier-card img {
    max-height: 65px;
    max-width: 140px;
  }
  .carousel-btn {
    width: 36px;
    height: 36px;
    font-size: 22px;
  }
  .carrier-label { font-size: 10.5px; }
  .financial-disclaimer {
    flex-direction: column;
    gap: 8px;
    padding: 16px;
  }
}

/* ============================================
   ANIMATIONS
   ============================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

.animate-up {
  animation: fadeInUp 0.6s ease forwards;
}

.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }

/* Page loader fade */
.page-fade { opacity: 0; animation: fadeInUp 0.5s ease 0.1s forwards; }