/* ==========================================================================
   Finance Invest Plan — Core Stylesheet
   Palette: Deep Emerald + Charcoal + Warm Amber + Cream
   Built on Bootstrap 5.3 (grid / components) with custom design layer
   ========================================================================== */

:root {
  --ink: #0b211b;
  --ink-2: #123329;
  --ink-3: #1b4437;
  --emerald: #0f8a63;
  --emerald-d: #0a6b4c;
  --emerald-l: #e7f4ee;
  --emerald-xl: #f2faf6;
  --amber: #f4a93c;
  --amber-d: #d98b1c;
  --amber-l: #fdf1dd;
  --cream: #faf8f2;
  --paper: #ffffff;
  --body: #41524c;
  --muted: #728580;
  --line: #e4eae5;
  --line-2: #eef2ee;

  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, "Times New Roman", serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;

  --radius: 18px;
  --radius-lg: 26px;
  --radius-sm: 12px;

  --shadow-xs: 0 1px 2px rgba(11, 33, 27, .06);
  --shadow-sm: 0 4px 16px rgba(11, 33, 27, .06);
  --shadow-md: 0 14px 40px rgba(11, 33, 27, .09);
  --shadow-lg: 0 30px 70px rgba(11, 33, 27, .14);

  --ease: cubic-bezier(.22, .61, .36, 1);
}

/* --------------------------------------------------------------------------
   Base
   -------------------------------------------------------------------------- */
* { -webkit-tap-highlight-color: transparent; }

html { scroll-behavior: smooth; }

html { overflow-x: clip; }

body {
  font-family: var(--sans);
  color: var(--body);
  background: var(--paper);
  font-size: 1rem;
  line-height: 1.75;
  overflow-x: clip;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6, .display-font {
  font-family: var(--serif);
  color: var(--ink);
  line-height: 1.18;
  letter-spacing: -.01em;
  font-weight: 700;
}

h1 { font-size: clamp(2.1rem, 4.2vw, 3.5rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.6rem); }
h3 { font-size: clamp(1.22rem, 1.6vw, 1.5rem); }

p { margin-bottom: 1rem; }

a { color: var(--emerald-d); text-decoration: none; transition: color .25s var(--ease); }
a:hover { color: var(--emerald); }

img { max-width: 100%; height: auto; }

::selection { background: var(--emerald); color: #fff; }

.text-ink { color: var(--ink) !important; }
.text-emerald { color: var(--emerald) !important; }
.text-amber { color: var(--amber-d) !important; }
.text-muted-soft { color: var(--muted) !important; }
.bg-cream { background: var(--cream) !important; }
.bg-emerald-light { background: var(--emerald-xl) !important; }
.bg-ink { background: var(--ink) !important; }

.section { padding: clamp(56px, 7vw, 104px) 0; }
.section-sm { padding: clamp(40px, 4.5vw, 68px) 0; }
.section-tight { padding: clamp(34px, 4vw, 56px) 0; }

.lead-soft {
  font-size: clamp(1.02rem, 1.2vw, 1.12rem);
  color: var(--muted);
  line-height: 1.8;
}

/* Section heading block */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  font-family: var(--sans);
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--emerald-d);
  background: var(--emerald-l);
  border: 1px solid #d3e9de;
  border-radius: 999px;
  padding: .42rem .95rem;
  margin-bottom: 1.1rem;
}
.eyebrow i { font-size: .85rem; }
.eyebrow--amber { color: #8a5a08; background: var(--amber-l); border-color: #f6e2bd; }
.eyebrow--light { color: #cdeee0; background: rgba(255, 255, 255, .1); border-color: rgba(255, 255, 255, .18); }

.section-head { max-width: 720px; }
.section-head h2 + .lead-soft { margin-top: 1rem; margin-bottom: 0; }

.serif-italic { font-family: var(--serif); font-style: italic; }

/* Underline flourish used on highlighted words */
.hl { position: relative; color: var(--emerald-d); white-space: nowrap; }
.hl::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: .04em;
  height: .28em;
  background: var(--amber);
  opacity: .38;
  border-radius: 3px;
  z-index: -1;
}
.hl { z-index: 0; }

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
  --bs-btn-focus-box-shadow: none;
  border-radius: 999px;
  font-weight: 650;
  font-size: .95rem;
  letter-spacing: .01em;
  padding: .78rem 1.6rem;
  transition: all .3s var(--ease);
  border-width: 1.5px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
}
.btn:focus-visible { outline: 3px solid rgba(15, 138, 99, .35); outline-offset: 2px; }

.btn-brand {
  background: var(--emerald);
  border-color: var(--emerald);
  color: #fff;
  box-shadow: 0 10px 24px rgba(15, 138, 99, .25);
}
.btn-brand:hover, .btn-brand:focus {
  background: var(--emerald-d);
  border-color: var(--emerald-d);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 16px 30px rgba(15, 138, 99, .3);
}

.btn-ink {
  background: var(--ink);
  border-color: var(--ink);
  color: #fff;
}
.btn-ink:hover { background: var(--ink-3); border-color: var(--ink-3); color: #fff; transform: translateY(-2px); }

.btn-amber {
  background: var(--amber);
  border-color: var(--amber);
  color: #3a2604;
  box-shadow: 0 10px 24px rgba(244, 169, 60, .28);
}
.btn-amber:hover { background: #f7b954; border-color: #f7b954; color: #3a2604; transform: translateY(-2px); }

.btn-outline-brand {
  border-color: #c9ddd4;
  color: var(--emerald-d);
  background: #fff;
}
.btn-outline-brand:hover { background: var(--emerald-l); border-color: var(--emerald); color: var(--emerald-d); }

.btn-outline-light-2 {
  border-color: rgba(255, 255, 255, .35);
  color: #fff;
  background: transparent;
}
.btn-outline-light-2:hover { background: rgba(255, 255, 255, .12); border-color: #fff; color: #fff; }

.btn-lg { padding: .95rem 2rem; font-size: 1rem; }
.btn-sm { padding: .55rem 1.15rem; font-size: .86rem; }

.btn-link-arrow {
  color: var(--emerald-d);
  font-weight: 700;
  font-size: .95rem;
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  padding: 0;
  border: 0;
  background: none;
}
.btn-link-arrow i { transition: transform .3s var(--ease); }
.btn-link-arrow:hover i { transform: translateX(5px); }

/* --------------------------------------------------------------------------
   Top utility bar
   -------------------------------------------------------------------------- */
.topbar {
  background: var(--ink);
  color: #c7d8d1;
  font-size: .84rem;
  padding: .55rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, .06);
}
.topbar a { color: #d7e6df; }
.topbar a:hover { color: var(--amber); }
.topbar .tb-item {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  white-space: nowrap;
}
.topbar .tb-item i { color: var(--amber); font-size: .95rem; }
.topbar .tb-sep { width: 1px; height: 14px; background: rgba(255, 255, 255, .18); display: inline-block; }
.topbar-social a {
  width: 26px; height: 26px;
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: rgba(255, 255, 255, .08);
  font-size: .8rem;
  transition: all .25s var(--ease);
}
.topbar-social a:hover { background: var(--amber); color: var(--ink); }

/* --------------------------------------------------------------------------
   Header / Navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1030;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line-2);
  transition: box-shadow .3s var(--ease), padding .3s var(--ease);
}
.site-header.is-stuck { box-shadow: 0 8px 30px rgba(11, 33, 27, .08); }

.navbar { padding: .85rem 0; }
.site-header.is-stuck .navbar { padding: .55rem 0; }

/* Single-line logo, identical on every page */
.brand-line {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  white-space: nowrap;
  text-decoration: none;
  line-height: 1;
}
.brand-line .brand-mark {
  width: 38px;
  height: 38px;
  flex: 0 0 38px;
  border-radius: 11px;
  background: linear-gradient(145deg, var(--emerald) 0%, var(--emerald-d) 100%);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.05rem;
  box-shadow: 0 6px 16px rgba(15, 138, 99, .28);
}
.brand-line .brand-text {
  font-family: var(--sans);
  font-size: 1.06rem;
  font-weight: 800;
  letter-spacing: .02em;
  color: var(--ink);
}
.brand-line .brand-text span { color: var(--emerald); }
.brand-line:hover .brand-text { color: var(--ink); }
.brand-line .brand-text,
.brand-line .brand-text span { transition: color .25s var(--ease); }

.navbar-nav .nav-link {
  font-family: var(--sans);
  font-size: .93rem;
  font-weight: 600;
  color: var(--ink-3);
  padding: .55rem .9rem !important;
  border-radius: 8px;
  transition: all .22s var(--ease);
}
.navbar-nav .nav-link:hover { color: var(--emerald-d); background: var(--emerald-xl); }
.navbar-nav .nav-link.active { color: var(--emerald-d); position: relative; }
.navbar-nav .nav-link.active::after {
  content: "";
  position: absolute;
  left: .9rem; right: .9rem; bottom: .18rem;
  height: 2px;
  border-radius: 2px;
  background: var(--amber);
}
.navbar-toggler {
  border: 1px solid var(--line);
  padding: .4rem .6rem;
  border-radius: 10px;
  color: var(--ink);
}
.navbar-toggler:focus { box-shadow: none; }

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background:
    radial-gradient(900px 480px at 88% -8%, #e9f6ef 0%, rgba(233, 246, 239, 0) 62%),
    radial-gradient(700px 420px at -8% 110%, #fdf3e2 0%, rgba(253, 243, 226, 0) 60%),
    var(--cream);
  padding: clamp(46px, 6vw, 86px) 0 clamp(56px, 6vw, 96px);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(11, 33, 27, .07) 1px, transparent 1px);
  background-size: 22px 22px;
  -webkit-mask-image: radial-gradient(600px 380px at 15% 90%, #000 0%, transparent 72%);
  mask-image: radial-gradient(600px 380px at 15% 90%, #000 0%, transparent 72%);
  pointer-events: none;
}
.hero-content { position: relative; z-index: 2; }
.hero h1 { margin-bottom: 1.25rem; }
.hero p.hero-sub {
  font-size: clamp(1.02rem, 1.25vw, 1.15rem);
  color: #4d5f59;
  max-width: 34rem;
  margin-bottom: 2rem;
}
.hero-cta { display: flex; flex-wrap: wrap; gap: .8rem; margin-bottom: 2.4rem; }

.hero-trust { display: flex; flex-wrap: wrap; align-items: center; gap: 1.6rem; }
.hero-trust .ht-block { display: flex; align-items: center; gap: .75rem; }
.avatar-stack { display: inline-flex; }
.avatar-stack img,
.avatar-stack .av {
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 2.5px solid #fff;
  margin-left: -12px;
  object-fit: cover;
  box-shadow: var(--shadow-xs);
}
.avatar-stack .av:first-child { margin-left: 0; }
.avatar-stack .av {
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--sans);
  font-size: .68rem; font-weight: 800;
  letter-spacing: .01em;
  color: var(--emerald-d);
  background: var(--emerald-l);
  white-space: nowrap;
  overflow: hidden;
}
.avatar-stack .av--2 { background: #fdeedd; color: #a4650b; }
.avatar-stack .av--3 { background: #e7eefb; color: #2f4f8f; }
.avatar-stack .av--4 { background: #f1e9fb; color: #6a3d99; }
.hero-trust strong { display: block; font-size: .92rem; color: var(--ink); line-height: 1.3; }
.hero-trust small { color: var(--muted); font-size: .8rem; }
.stars { color: var(--amber); font-size: .8rem; letter-spacing: .1em; display: inline-flex; gap: 2px; }

/* Hero visual */
.hero-visual { position: relative; }
.hero-figure {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 6px solid #fff;
  aspect-ratio: 4 / 3.35;
}
.hero-figure img { width: 100%; height: 100%; object-fit: cover; display: block; }
.hero-figure::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(11, 33, 27, 0) 45%, rgba(11, 33, 27, .32) 100%);
}
.hero-blob {
  position: absolute;
  width: 190px; height: 190px;
  border-radius: 42% 58% 63% 37% / 43% 39% 61% 57%;
  background: var(--amber);
  opacity: .22;
  top: -34px; right: -30px;
  z-index: -1;
  animation: blobFloat 12s ease-in-out infinite;
}
@keyframes blobFloat {
  0%, 100% { border-radius: 42% 58% 63% 37% / 43% 39% 61% 57%; transform: translateY(0) rotate(0deg); }
  50% { border-radius: 58% 42% 38% 62% / 55% 60% 40% 45%; transform: translateY(-14px) rotate(8deg); }
}

.float-card {
  position: absolute;
  background: rgba(255, 255, 255, .97);
  border-radius: 16px;
  box-shadow: var(--shadow-md);
  padding: .95rem 1.15rem;
  display: flex;
  align-items: center;
  gap: .8rem;
  border: 1px solid var(--line-2);
  animation: floatY 6s ease-in-out infinite;
}
.float-card .fc-icon {
  width: 42px; height: 42px;
  border-radius: 12px;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex: 0 0 42px;
}
.float-card strong { display: block; color: var(--ink); font-size: .98rem; line-height: 1.2; font-family: var(--serif); }
.float-card small { color: var(--muted); font-size: .76rem; }
.float-card--a { left: -18px; top: 12%; }
.float-card--b { right: -14px; bottom: 8%; animation-delay: 1.4s; }
.fc-emerald { background: var(--emerald-l); color: var(--emerald-d); }
.fc-amber { background: var(--amber-l); color: var(--amber-d); }
@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* --------------------------------------------------------------------------
   Stat band
   -------------------------------------------------------------------------- */
.stat-band {
  background: linear-gradient(115deg, var(--ink) 0%, #10392e 55%, var(--emerald-d) 100%);
  color: #d8e9e2;
  position: relative;
  overflow: hidden;
}
.stat-band::after {
  content: "";
  position: absolute;
  width: 420px; height: 420px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .1);
  right: -120px; top: -180px;
}
.stat-band .stat { padding: 1rem .5rem; text-align: center; position: relative; }
.stat-band .stat + .stat::before {
  content: "";
  position: absolute;
  left: 0; top: 20%;
  height: 60%;
  width: 1px;
  background: rgba(255, 255, 255, .13);
}
.stat-band .num {
  font-family: var(--serif);
  font-size: clamp(1.9rem, 3vw, 2.7rem);
  font-weight: 700;
  color: #fff;
  line-height: 1;
  display: block;
}
.stat-band .num span { color: var(--amber); }
.stat-band .lbl { font-size: .84rem; letter-spacing: .07em; text-transform: uppercase; color: #a9c6bb; margin-top: .5rem; }

/* --------------------------------------------------------------------------
   Service cards
   -------------------------------------------------------------------------- */
.service-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease), border-color .4s var(--ease);
  position: relative;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); border-color: #cfe6db; }
.service-card .sc-media { position: relative; overflow: hidden; aspect-ratio: 16 / 10.5; }
.service-card .sc-media img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform .8s var(--ease);
}
.service-card:hover .sc-media img { transform: scale(1.07); }
.service-card .sc-media::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(11, 33, 27, 0) 40%, rgba(11, 33, 27, .35) 100%);
}
.service-card .sc-badge {
  position: absolute;
  left: 1.1rem; bottom: -20px;
  width: 46px; height: 46px;
  border-radius: 13px;
  background: #fff;
  color: var(--emerald-d);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem;
  box-shadow: var(--shadow-sm);
  z-index: 2;
  border: 1px solid var(--line-2);
}
.service-card .sc-body { padding: 1.75rem 1.4rem 1.5rem; display: flex; flex-direction: column; flex: 1 1 auto; }
.service-card h3 { font-size: 1.24rem; margin-bottom: .6rem; }
.service-card h3 a { color: inherit; }
.service-card h3 a:hover { color: var(--emerald-d); }
.service-card p { color: var(--muted); font-size: .94rem; line-height: 1.7; margin-bottom: 1.25rem; }
.service-card .sc-foot { margin-top: auto; }
.service-card .btn { width: 100%; }

/* Service detail rows (services page) */
.service-detail {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow .4s var(--ease), transform .4s var(--ease);
}
.service-detail:hover { box-shadow: var(--shadow-md); }
.service-detail .sd-media { height: 100%; min-height: 300px; overflow: hidden; position: relative; }
.service-detail .sd-media img { width: 100%; height: 100%; object-fit: cover; display: block; }
.service-detail .sd-body { padding: clamp(1.6rem, 3vw, 2.6rem); }
.service-detail .sd-no {
  font-family: var(--serif);
  font-size: .85rem;
  letter-spacing: .18em;
  color: var(--emerald);
  font-weight: 700;
  display: block;
  margin-bottom: .6rem;
}
.feature-list { list-style: none; padding: 0; margin: 1.1rem 0 1.5rem; }
.feature-list li {
  position: relative;
  padding-left: 1.85rem;
  margin-bottom: .55rem;
  font-size: .95rem;
  color: var(--body);
}
.feature-list li::before {
  content: "\F26E";
  font-family: "bootstrap-icons";
  position: absolute;
  left: 0; top: .05rem;
  color: var(--emerald);
  font-size: .95rem;
  font-weight: 700;
}

/* --------------------------------------------------------------------------
   Checklist / Why us
   -------------------------------------------------------------------------- */
.media-frame {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.media-frame img { width: 100%; display: block; object-fit: cover; }
.badge-float {
  position: absolute;
  right: -14px; bottom: -14px;
  background: var(--amber);
  color: #3a2604;
  border-radius: 18px;
  padding: 1rem 1.25rem;
  text-align: center;
  box-shadow: var(--shadow-md);
  min-width: 132px;
}
.badge-float .bf-num { font-family: var(--serif); font-size: 2rem; font-weight: 700; line-height: 1; display: block; }
.badge-float .bf-lbl { font-size: .74rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; line-height: 1.3; }

.check-item { display: flex; gap: .9rem; align-items: flex-start; }
.check-item .ci-icon {
  flex: 0 0 40px;
  width: 40px; height: 40px;
  border-radius: 11px;
  background: var(--emerald-l);
  color: var(--emerald-d);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1rem;
  margin-top: .15rem;
}
.check-item h4 { font-size: 1.02rem; margin-bottom: .2rem; font-family: var(--sans); font-weight: 700; color: var(--ink); }
.check-item p { font-size: .9rem; color: var(--muted); margin: 0; line-height: 1.6; }

/* --------------------------------------------------------------------------
   Process steps
   -------------------------------------------------------------------------- */
.process-wrap { position: relative; }
.process-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2.1rem 1.4rem 1.7rem;
  height: 100%;
  position: relative;
  transition: all .35s var(--ease);
}
.process-card:hover { border-color: var(--emerald); box-shadow: var(--shadow-md); transform: translateY(-6px); }
.process-card .step-no {
  position: absolute;
  top: -18px; left: 1.4rem;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--ink);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1rem;
  border: 4px solid #fff;
  box-shadow: var(--shadow-sm);
}
.process-card:hover .step-no { background: var(--emerald); }
.process-card h4 { font-size: 1.06rem; margin: .5rem 0 .45rem; font-family: var(--sans); font-weight: 750; }
.process-card p { font-size: .9rem; color: var(--muted); margin: 0; line-height: 1.65; }
.process-card i.pc-icon { font-size: 1.6rem; color: var(--amber-d); }

/* --------------------------------------------------------------------------
   Calculator panel
   -------------------------------------------------------------------------- */
.calc-panel {
  background: linear-gradient(135deg, var(--ink) 0%, #0f3a2e 60%, #0c2b23 100%);
  border-radius: var(--radius-lg);
  padding: clamp(1.7rem, 4vw, 3rem);
  color: #d8e9e2;
  position: relative;
  overflow: hidden;
}
.calc-panel::before {
  content: "";
  position: absolute;
  width: 340px; height: 340px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(15, 138, 99, .55) 0%, rgba(15, 138, 99, 0) 70%);
  top: -140px; right: -100px;
}
.calc-panel h2, .calc-panel h3 { color: #fff; }
.calc-panel .form-label { color: #b9d3c8; font-size: .84rem; font-weight: 600; letter-spacing: .03em; }
.calc-panel .form-range { accent-color: var(--amber); }
.calc-panel .form-control, .calc-panel .form-select {
  background: rgba(255, 255, 255, .07);
  border: 1px solid rgba(255, 255, 255, .16);
  color: #fff;
  border-radius: 10px;
}
.calc-panel .form-control:focus, .calc-panel .form-select:focus {
  background: rgba(255, 255, 255, .1);
  border-color: var(--amber);
  box-shadow: 0 0 0 3px rgba(244, 169, 60, .18);
  color: #fff;
}
.calc-panel .form-control::placeholder { color: rgba(255, 255, 255, .45); }
.calc-result {
  background: rgba(255, 255, 255, .06);
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 16px;
  padding: 1.5rem;
  backdrop-filter: blur(6px);
}
.calc-result .cr-label { font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; color: #9dbcb0; }
.calc-result .cr-amount {
  font-family: var(--serif);
  font-size: clamp(2rem, 3.4vw, 2.8rem);
  color: #fff;
  font-weight: 700;
  line-height: 1.1;
}
.calc-result .cr-amount small { font-family: var(--sans); font-size: .95rem; color: var(--amber); font-weight: 600; }
.calc-mini { display: flex; justify-content: space-between; font-size: .88rem; padding: .55rem 0; border-bottom: 1px dashed rgba(255, 255, 255, .14); color: #c3d9d0; }
.calc-mini:last-child { border-bottom: 0; }
.calc-mini strong { color: #fff; font-weight: 650; }

/* --------------------------------------------------------------------------
   Testimonials
   -------------------------------------------------------------------------- */
.testimonial-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.8rem, 3vw, 2.6rem);
  height: 100%;
  position: relative;
  transition: all .35s var(--ease);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-5px); border-color: #cfe6db; }
.testimonial-card .quote-mark {
  font-family: var(--serif);
  font-size: 3rem;
  line-height: .8;
  color: var(--emerald);
  opacity: .35;
  display: block;
  margin-bottom: .1rem;
}
.testimonial-card blockquote {
  font-family: var(--serif);
  font-size: 1.06rem;
  line-height: 1.8;
  color: var(--ink-2);
  margin: 0 0 1.3rem;
}
.testimonial-card .t-name {
  font-family: var(--sans);
  font-weight: 700;
  color: var(--ink);
  font-size: .98rem;
  letter-spacing: .01em;
}
.testimonial-card .t-name::before {
  content: "";
  display: inline-block;
  width: 22px; height: 2px;
  background: var(--amber);
  vertical-align: middle;
  margin-right: .55rem;
  border-radius: 2px;
}

/* --------------------------------------------------------------------------
   Blog cards
   -------------------------------------------------------------------------- */
.blog-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: all .4s var(--ease);
}
.blog-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-md); border-color: #cfe6db; }
.blog-card .bc-media { aspect-ratio: 16 / 10; overflow: hidden; position: relative; }
.blog-card .bc-media img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); }
.blog-card:hover .bc-media img { transform: scale(1.06); }
.blog-card .bc-body { padding: 1.5rem 1.4rem 1.6rem; display: flex; flex-direction: column; flex: 1 1 auto; }
.blog-card h3 { font-size: 1.16rem; line-height: 1.35; margin-bottom: .7rem; }
.blog-card h3 a { color: var(--ink); }
.blog-card h3 a:hover { color: var(--emerald-d); }
.blog-card p { font-size: .92rem; color: var(--muted); line-height: 1.7; margin-bottom: 1.2rem; }
.blog-card .bc-foot { margin-top: auto; }

/* --------------------------------------------------------------------------
   Blog article
   -------------------------------------------------------------------------- */
.article-hero {
  background: linear-gradient(115deg, var(--ink) 0%, #10392e 60%, var(--emerald-d) 100%);
  color: #e6f2ed;
  padding: clamp(48px, 6vw, 84px) 0 clamp(44px, 5vw, 70px);
  position: relative;
  overflow: hidden;
}
.article-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, .1) 1px, transparent 1px);
  background-size: 24px 24px;
  -webkit-mask-image: radial-gradient(500px 300px at 80% 30%, #000, transparent 70%);
  mask-image: radial-gradient(500px 300px at 80% 30%, #000, transparent 70%);
}
.article-hero h1 { color: #fff; max-width: 900px; position: relative; z-index: 2; }
.article-hero .breadcrumb { position: relative; z-index: 2; }

.article-body {
  font-size: 1.06rem;
  line-height: 1.85;
  color: #3d4f49;
}
.article-body > p:first-of-type { font-size: 1.16rem; color: #2f423c; }
.article-body h2 { font-size: clamp(1.4rem, 2.2vw, 1.85rem); margin: 2.4rem 0 .9rem; }
.article-body h3 { font-size: 1.16rem; margin: 1.8rem 0 .6rem; font-family: var(--sans); font-weight: 750; }
.article-body p { margin-bottom: 1.35rem; }
.article-body ul, .article-body ol { margin-bottom: 1.35rem; padding-left: 1.2rem; }
.article-body li { margin-bottom: .5rem; }
.article-body .article-img { border-radius: var(--radius); overflow: hidden; margin: 2rem 0; box-shadow: var(--shadow-sm); }
.article-body .article-img img { display: block; width: 100%; }
.article-body blockquote {
  border-left: 4px solid var(--amber);
  background: var(--cream);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1.3rem 1.5rem;
  margin: 2rem 0;
  font-family: var(--serif);
  font-size: 1.12rem;
  font-style: italic;
  color: var(--ink-2);
}
.article-body blockquote p:last-child { margin-bottom: 0; }
.callout {
  background: var(--emerald-xl);
  border: 1px solid #d5e9e0;
  border-radius: var(--radius);
  padding: 1.4rem 1.5rem;
  margin: 2rem 0;
}
.callout h3 { margin-top: 0 !important; color: var(--emerald-d); }
.callout p:last-child, .callout ul:last-child { margin-bottom: 0; }

.article-sidebar { position: sticky; top: 100px; }
.side-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem;
  margin-bottom: 1.4rem;
}
.side-card h4 { font-size: 1.02rem; font-family: var(--sans); font-weight: 750; margin-bottom: 1rem; }
.side-link {
  display: flex; gap: .8rem; align-items: center;
  padding: .6rem 0;
  border-bottom: 1px dashed var(--line);
  color: var(--ink-2);
  font-size: .9rem;
  font-weight: 600;
  line-height: 1.45;
}
.side-link:last-child { border-bottom: 0; }
.side-link:hover { color: var(--emerald-d); }
.side-link img { width: 58px; height: 46px; object-fit: cover; border-radius: 8px; flex: 0 0 58px; }
.side-card--cta { background: var(--ink); border-color: var(--ink); color: #cfe3db; }
.side-card--cta h4 { color: #fff; }
.side-card--cta p { font-size: .9rem; color: #b6cec4; }

/* --------------------------------------------------------------------------
   Page hero (inner pages)
   -------------------------------------------------------------------------- */
.page-hero {
  background: linear-gradient(115deg, var(--ink) 0%, #10392e 58%, var(--emerald-d) 100%);
  color: #dcece6;
  padding: clamp(44px, 5.5vw, 74px) 0 clamp(40px, 5vw, 64px);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  width: 520px; height: 520px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .1);
  right: -160px; top: -220px;
}
.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, .09) 1px, transparent 1px);
  background-size: 26px 26px;
  -webkit-mask-image: radial-gradient(600px 320px at 88% 80%, #000, transparent 72%);
  mask-image: radial-gradient(600px 320px at 88% 80%, #000, transparent 72%);
}
.page-hero h1 { color: #fff; position: relative; z-index: 2; margin-bottom: .8rem; }
.page-hero p { color: #b9d2c8; max-width: 620px; position: relative; z-index: 2; margin-bottom: 0; }
.page-hero .container { position: relative; z-index: 2; }
.breadcrumb { --bs-breadcrumb-divider-color: rgba(255, 255, 255, .4); margin: 0 0 1rem; font-size: .86rem; }
.breadcrumb a { color: #b9d2c8; }
.breadcrumb a:hover { color: var(--amber); }
.breadcrumb-item.active { color: var(--amber); }
.breadcrumb-item + .breadcrumb-item::before { color: rgba(255, 255, 255, .35); }

/* --------------------------------------------------------------------------
   CTA + newsletter bands
   -------------------------------------------------------------------------- */
.cta-band {
  position: relative;
  background: linear-gradient(120deg, var(--emerald-d) 0%, var(--emerald) 50%, #16a276 100%);
  border-radius: var(--radius-lg);
  padding: clamp(2rem, 4vw, 3.4rem);
  color: #eafff6;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.cta-band::before {
  content: "";
  position: absolute;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .09);
  right: -70px; top: -120px;
}
.cta-band::after {
  content: "";
  position: absolute;
  width: 220px; height: 220px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .07);
  left: -80px; bottom: -120px;
}
.cta-band h2 { color: #fff; position: relative; z-index: 2; }
.cta-band p { color: #d5f5e8; position: relative; z-index: 2; margin-bottom: 0; }

.newsletter-band {
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.newsletter-form .form-control {
  border-radius: 999px;
  padding: .85rem 1.3rem;
  border: 1.5px solid #dfe7e1;
  font-size: .95rem;
  background: #fff;
}
.newsletter-form .form-control:focus { border-color: var(--emerald); box-shadow: 0 0 0 4px rgba(15, 138, 99, .1); }
.newsletter-form .btn { border-radius: 999px; padding: .85rem 1.6rem; }

/* --------------------------------------------------------------------------
   Forms
   -------------------------------------------------------------------------- */
.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.6rem, 3.2vw, 2.8rem);
  box-shadow: var(--shadow-sm);
}
.form-label { font-weight: 650; font-size: .88rem; color: var(--ink-2); margin-bottom: .4rem; }
.form-label .req { color: #d64545; }
.form-control, .form-select {
  border-radius: 10px;
  border: 1.5px solid #e1e8e3;
  padding: .72rem 1rem;
  font-size: .95rem;
  color: var(--ink-2);
  background-color: #fff;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.form-control::placeholder { color: #a8b5af; }
.form-control:focus, .form-select:focus {
  border-color: var(--emerald);
  box-shadow: 0 0 0 4px rgba(15, 138, 99, .09);
  color: var(--ink-2);
}
textarea.form-control { min-height: 130px; resize: vertical; }
.form-text { font-size: .8rem; color: var(--muted); }
.form-check-input { border-color: #cdd8d2; }
.form-check-input:checked { background-color: var(--emerald); border-color: var(--emerald); }
.form-check-input:focus { box-shadow: 0 0 0 3px rgba(15, 138, 99, .15); border-color: var(--emerald); }
.form-check-label { font-size: .9rem; color: var(--body); }

.was-validated .form-control:invalid,
.form-control.is-invalid,
.was-validated .form-select:invalid,
.form-select.is-invalid {
  border-color: #dc4f4f;
  background-image: none;
  box-shadow: 0 0 0 4px rgba(220, 79, 79, .08);
}
.was-validated .form-control:valid,
.form-control.is-valid,
.was-validated .form-select:valid,
.form-select.is-valid { border-color: #35a06f; background-image: none; box-shadow: 0 0 0 4px rgba(53, 160, 111, .08); }
.invalid-feedback, .valid-feedback { font-size: .82rem; }
.was-validated .form-check-input:invalid { border-color: #dc4f4f; }

.form-note {
  display: flex;
  gap: .6rem;
  align-items: flex-start;
  background: var(--emerald-xl);
  border: 1px solid #d8ebe2;
  border-radius: 12px;
  padding: .85rem 1rem;
  font-size: .85rem;
  color: #40655a;
}
.form-note i { color: var(--emerald); margin-top: .15rem; }

/* Success / error alerts (JS injected) */
.form-alert {
  border-radius: 14px;
  padding: 1.1rem 1.25rem;
  display: flex;
  gap: .85rem;
  align-items: flex-start;
  font-size: .93rem;
  margin-bottom: 1.4rem;
  border: 1px solid transparent;
  animation: alertIn .4s var(--ease);
}
@keyframes alertIn { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: translateY(0); } }
.form-alert i { font-size: 1.2rem; line-height: 1.4; }
.form-alert strong { display: block; color: var(--ink); margin-bottom: .15rem; }
.form-alert--ok { background: #eafaf1; border-color: #bfe8d2; color: #1f6b48; }
.form-alert--ok i { color: #1f8a58; }
.form-alert--err { background: #fdf0f0; border-color: #f4cdcd; color: #a03535; }
.form-alert--err i { color: #c94343; }

/* Contact info tiles */
.info-tile {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.35rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  transition: all .3s var(--ease);
  height: 100%;
}
.info-tile:hover { border-color: var(--emerald); box-shadow: var(--shadow-sm); transform: translateY(-4px); }
.info-tile .it-icon {
  flex: 0 0 46px;
  width: 46px; height: 46px;
  border-radius: 12px;
  background: var(--emerald-l);
  color: var(--emerald-d);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.info-tile h4 { font-size: .95rem; font-family: var(--sans); font-weight: 750; margin-bottom: .25rem; }
.info-tile p, .info-tile a { font-size: .9rem; color: var(--muted); margin: 0; line-height: 1.6; }
.info-tile a:hover { color: var(--emerald-d); }

.map-frame {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
  background: var(--emerald-xl);
  min-height: 340px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 2rem;
  position: relative;
}

/* Gallery strip / office */
.mini-stat {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1.15rem;
  height: 100%;
}
.mini-stat .ms-num { font-family: var(--serif); font-size: 1.6rem; font-weight: 700; color: var(--emerald-d); line-height: 1; }
.mini-stat .ms-lbl { font-size: .82rem; color: var(--muted); margin-top: .35rem; }

/* Team placeholders (no photos of real people) */
.team-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.8rem 1.4rem;
  text-align: center;
  height: 100%;
  transition: all .35s var(--ease);
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-6px); }
.team-card .tm-avatar {
  width: 76px; height: 76px;
  border-radius: 50%;
  margin: 0 auto 1rem;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--emerald-d);
  background: var(--emerald-l);
  border: 3px solid #fff;
  box-shadow: var(--shadow-sm);
}
.team-card h4 { font-size: 1.05rem; font-family: var(--sans); font-weight: 750; margin-bottom: .2rem; }
.team-card .tm-role { font-size: .84rem; color: var(--amber-d); font-weight: 650; letter-spacing: .04em; text-transform: uppercase; }
.team-card p { font-size: .88rem; color: var(--muted); margin: .8rem 0 0; line-height: 1.65; }

/* Timeline (about) */
.timeline { position: relative; padding-left: 2.2rem; }
.timeline::before {
  content: "";
  position: absolute;
  left: 9px; top: 8px; bottom: 8px;
  width: 2px;
  background: linear-gradient(180deg, var(--emerald) 0%, var(--amber) 100%);
  border-radius: 2px;
  opacity: .4;
}
.timeline-item { position: relative; padding-bottom: 1.9rem; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before {
  content: "";
  position: absolute;
  left: -2.2rem; top: .45rem;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 4px solid var(--emerald);
  box-shadow: 0 0 0 3px rgba(15, 138, 99, .12);
}
.timeline-item .tl-year {
  font-family: var(--serif);
  font-weight: 700;
  color: var(--amber-d);
  font-size: .88rem;
  letter-spacing: .1em;
  display: block;
  margin-bottom: .15rem;
}
.timeline-item h4 { font-size: 1.04rem; font-family: var(--sans); font-weight: 750; margin-bottom: .3rem; }
.timeline-item p { font-size: .9rem; color: var(--muted); margin: 0; line-height: 1.65; }

/* --------------------------------------------------------------------------
   Legal / policy pages
   -------------------------------------------------------------------------- */
.policy-body h2 { font-size: clamp(1.3rem, 2vw, 1.6rem); margin: 2.2rem 0 .85rem; }
.policy-body h2:first-child { margin-top: 0; }
.policy-body h3 { font-size: 1.05rem; font-family: var(--sans); font-weight: 750; margin: 1.5rem 0 .5rem; }
.policy-body p, .policy-body li { font-size: .98rem; line-height: 1.82; color: #44564f; }
.policy-body ul { padding-left: 1.2rem; margin-bottom: 1.2rem; }
.policy-body li { margin-bottom: .45rem; }
.policy-index {
  position: sticky;
  top: 100px;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem;
}
.policy-index h4 { font-size: .95rem; font-family: var(--sans); font-weight: 750; text-transform: uppercase; letter-spacing: .08em; color: var(--ink); margin-bottom: .9rem; }
.policy-index a {
  display: block;
  font-size: .88rem;
  padding: .42rem 0 .42rem .85rem;
  color: #52645d;
  border-left: 2px solid var(--line);
  line-height: 1.45;
}
.policy-index a:hover { color: var(--emerald-d); border-left-color: var(--emerald); background: rgba(15, 138, 99, .04); }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background: var(--ink);
  color: #a8c1b8;
  padding-top: clamp(48px, 6vw, 76px);
  position: relative;
  overflow: hidden;
}
.site-footer::before {
  content: "";
  position: absolute;
  width: 560px; height: 560px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(15, 138, 99, .22) 0%, rgba(15, 138, 99, 0) 70%);
  top: -260px; left: -160px;
  pointer-events: none;
}
.site-footer .brand-line .brand-text { color: #fff; }
.site-footer .brand-line .brand-text span { color: #4fd3a4; }
.site-footer p { font-size: .92rem; line-height: 1.75; color: #9db8ae; }
.site-footer h5 {
  color: #fff;
  font-family: var(--sans);
  font-size: .88rem;
  font-weight: 750;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 1.15rem;
}
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: .6rem; }
.footer-links a {
  color: #a8c1b8;
  font-size: .92rem;
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  transition: all .25s var(--ease);
}
.footer-links a::before {
  content: "";
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--emerald);
  opacity: 0;
  transition: opacity .25s var(--ease);
}
.footer-links a:hover { color: #fff; }
.footer-links a:hover::before { opacity: 1; }

.footer-contact-item { display: flex; gap: .8rem; margin-bottom: 1rem; align-items: flex-start; }
.footer-contact-item i {
  color: var(--amber);
  font-size: .95rem;
  margin-top: .35rem;
  flex: 0 0 auto;
}
.footer-contact-item span, .footer-contact-item a { font-size: .92rem; color: #a8c1b8; line-height: 1.6; }
.footer-contact-item a:hover { color: #fff; }

.footer-social a {
  width: 36px; height: 36px;
  border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  background: rgba(255, 255, 255, .07);
  color: #c9ddd5;
  margin-right: .4rem;
  font-size: .9rem;
  transition: all .25s var(--ease);
}
.footer-social a:hover { background: var(--emerald); color: #fff; transform: translateY(-3px); }

.footer-news .form-control {
  background: rgba(255, 255, 255, .06);
  border: 1px solid rgba(255, 255, 255, .14);
  color: #fff;
  border-radius: 999px;
  padding: .7rem 1.1rem;
  font-size: .9rem;
}
.footer-news .form-control::placeholder { color: #7f9c92; }
.footer-news .form-control:focus { background: rgba(255, 255, 255, .09); border-color: var(--emerald); box-shadow: 0 0 0 3px rgba(15, 138, 99, .2); color: #fff; }
.footer-news .btn { border-radius: 999px; }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .1);
  margin-top: clamp(32px, 4vw, 52px);
  padding: 1.3rem 0;
  font-size: .86rem;
  color: #8aa79d;
}
.footer-bottom a { color: #a8c1b8; }
.footer-bottom a:hover { color: #fff; }
.footer-disclaimer {
  font-size: .78rem !important;
  color: #77938a !important;
  line-height: 1.7;
  border-top: 1px solid rgba(255, 255, 255, .07);
  padding-top: 1rem;
  margin-top: .5rem;
}

/* --------------------------------------------------------------------------
   Misc utilities
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  right: 22px; bottom: 22px;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--emerald);
  color: #fff;
  border: 0;
  display: inline-flex; align-items: center; justify-content: center;
  box-shadow: 0 10px 24px rgba(15, 138, 99, .35);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all .3s var(--ease);
  z-index: 1040;
  font-size: 1.05rem;
}
.back-to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { background: var(--emerald-d); }

.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .float-card, .hero-blob { animation: none; }
  html { scroll-behavior: auto; }
}

.divider-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--amber); display: inline-block; }

.accordion-item {
  border: 1px solid var(--line);
  border-radius: 14px !important;
  margin-bottom: .8rem;
  overflow: hidden;
  background: #fff;
}
.accordion-button {
  font-family: var(--sans);
  font-weight: 700;
  color: var(--ink);
  font-size: .98rem;
  padding: 1.05rem 1.3rem;
  background: #fff;
  box-shadow: none !important;
}
.accordion-button:not(.collapsed) { background: var(--emerald-xl); color: var(--emerald-d); }
.accordion-button::after { background-size: 1rem; }
.accordion-body { font-size: .94rem; color: var(--muted); line-height: 1.75; padding: 0 1.3rem 1.2rem; }

.tag-pill {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  font-size: .8rem;
  font-weight: 650;
  color: var(--emerald-d);
  background: var(--emerald-l);
  border-radius: 999px;
  padding: .35rem .85rem;
}

.cta-list { list-style: none; padding: 0; margin: 0; }
.cta-list li { display: flex; gap: .6rem; align-items: flex-start; font-size: .92rem; margin-bottom: .6rem; }
.cta-list i { color: var(--amber); margin-top: .25rem; }

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1199.98px) {
  .float-card--a { left: 0; }
  .float-card--b { right: 0; }
}

@media (max-width: 991.98px) {
  body { font-size: .98rem; }
  .navbar-collapse {
    margin-top: .9rem;
    border-top: 1px solid var(--line-2);
    padding-top: .8rem;
  }
  .navbar-nav .nav-link { padding: .65rem .5rem !important; }
  .navbar-nav .nav-link.active::after { left: .5rem; right: auto; width: 22px; }
  .nav-cta { margin-top: .9rem; padding-bottom: .4rem; }
  .brand-line .brand-text { font-size: 1rem; }
  .hero-visual { margin-top: 2.6rem; }
  .float-card--a { left: 8px; top: 8px; }
  .float-card--b { right: 8px; bottom: 8px; }
  .article-sidebar, .policy-index { position: static; margin-top: 2.2rem; }
  .stat-band .stat + .stat::before { display: none; }
  .stat-band .stat { border-bottom: 1px solid rgba(255, 255, 255, .09); }
  .stat-band .row > div:last-child .stat { border-bottom: 0; }
}

@media (max-width: 767.98px) {
  .hero { padding-top: 34px; }
  .hero-cta .btn { flex: 1 1 auto; }
  .hero-trust { gap: 1.1rem; }
  .float-card { padding: .7rem .85rem; gap: .6rem; }
  .float-card .fc-icon { width: 34px; height: 34px; flex: 0 0 34px; font-size: .95rem; }
  .float-card strong { font-size: .85rem; }
  .float-card small { font-size: .68rem; }
  .badge-float { position: static; margin-top: 1rem; display: inline-block; }
  .media-frame { margin-bottom: .5rem; }
  .topbar .tb-hide-sm { display: none !important; }
  .calc-panel { border-radius: 18px; }
  .article-body { font-size: 1rem; }
  .service-detail .sd-media { min-height: 220px; max-height: 260px; }
  .footer-bottom { text-align: center; }
  .footer-bottom .fb-links { margin-top: .6rem; justify-content: center !important; }
}

@media (max-width: 575.98px) {
  .brand-line .brand-mark { width: 34px; height: 34px; flex: 0 0 34px; font-size: .95rem; }
  .brand-line .brand-text { font-size: .9rem; letter-spacing: 0; }
  .eyebrow { font-size: .68rem; }
  .float-card--b { display: none; }
  .back-to-top { right: 14px; bottom: 14px; width: 42px; height: 42px; }
}

/* --------------------------------------------------------------------------
   Additions: dropdowns, service links, small info cards
   -------------------------------------------------------------------------- */
.dropdown-menu {
  border: 1px solid var(--line);
  border-radius: 14px !important;
  padding: .5rem;
  margin-top: .55rem;
  box-shadow: var(--shadow-md) !important;
}
.dropdown-item {
  font-size: .9rem;
  font-weight: 600;
  color: var(--ink-3);
  border-radius: 8px;
  padding: .52rem .75rem;
  transition: all .2s var(--ease);
}
.dropdown-item:hover, .dropdown-item:focus {
  background: var(--emerald-xl);
  color: var(--emerald-d);
}
.dropdown-toggle::after { margin-left: .4em; vertical-align: .12em; }

a.service-card, a.service-card:hover { color: inherit; }
a.service-card h3 { color: var(--ink); }

.inform-card { border-color: var(--line) !important; }
.badge-float { padding: .9rem 1rem; min-width: 120px; }
.badge-float .bf-lbl { font-size: .68rem; }
.inform-card .ms-num {
  font-family: var(--serif);
  font-size: 1.65rem;
  font-weight: 700;
  color: var(--emerald-d);
  line-height: 1;
}
.policy-body a:not(.btn) { text-decoration: underline; text-underline-offset: 3px; }
.policy-body h2 { scroll-margin-top: 110px; }
.article-body [id] { scroll-margin-top: 110px; }
.side-link i { font-size: 1rem; }