:root{
  --navy:#0b1d3a;
  --navy2:#132c52;
  --teal:#00bfa6;
  --teal-dark:#00997f;
  --gold:#ffb703;
  --gold-dark:#e09e00;
  --coral:#ff6b6b;
  --purple:#6c63ff;
  --light:#f6f8fc;
  --muted:#5b6b84;
}
*{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Roboto,Arial,sans-serif;color:#1e2a3d;background:#fff;line-height:1.7}
h1,h2,h3,h4,h5{font-weight:800;line-height:1.2;color:var(--navy)}
.section-pad{padding:80px 0}
.section-kicker{display:inline-block;font-weight:800;letter-spacing:2px;text-transform:uppercase;font-size:.8rem;padding:8px 16px;border-radius:50px;margin-bottom:14px}
.kicker-teal{background:rgba(0,191,166,.14);color:var(--teal-dark)}
.kicker-gold{background:rgba(255,183,3,.2);color:#8a6200}
.kicker-white{background:rgba(255,255,255,.18);color:#fff}
.kicker-coral{background:rgba(255,107,107,.14);color:#c93a3a}
.section-title{font-size:2.4rem;margin-bottom:.6rem}
.section-sub{color:var(--muted);max-width:720px;margin:0 auto}
.btn{border-radius:50px;font-weight:700;padding:12px 28px;transition:.25s}
.btn-gold{background:var(--gold);color:#1a1a1a;border:none}
.btn-gold:hover{background:var(--gold-dark);color:#000;transform:translateY(-2px);box-shadow:0 12px 24px rgba(255,183,3,.35)}
.btn-teal{background:var(--teal);color:#fff;border:none}
.btn-teal:hover{background:var(--teal-dark);color:#fff;transform:translateY(-2px);box-shadow:0 12px 24px rgba(0,191,166,.35)}
.btn-navy{background:var(--navy);color:#fff;border:none}
.btn-navy:hover{background:#1d3a6b;color:#fff;transform:translateY(-2px)}
.btn-outline-light{border:2px solid #fff;color:#fff}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-outline-navy{border:2px solid var(--navy);color:var(--navy);background:transparent}
.btn-outline-navy:hover{background:var(--navy);color:#fff}

/* Navbar */
.topbar{background:var(--navy);color:#d8e2f3;font-size:.85rem;padding:8px 0}
.topbar a{color:#fff;text-decoration:none}
.topbar a:hover{color:var(--gold)}
.navbar{padding:14px 0;background:#fff!important;box-shadow:0 6px 24px rgba(11,29,58,.08);transition:.3s}
.navbar.scrolled{padding:8px 0;box-shadow:0 10px 30px rgba(11,29,58,.14)}
.brand-logo{width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--teal));display:inline-flex;align-items:center;justify-content:center;color:#fff;font-weight:900;font-size:1.3rem;box-shadow:0 8px 18px rgba(0,191,166,.3)}
.brand-name{line-height:1}
.brand-name strong{font-size:1.15rem;color:var(--navy)}
.brand-name small{display:block;font-size:.72rem;letter-spacing:2.5px;text-transform:uppercase;color:var(--teal-dark);font-weight:800}
.nav-link{font-weight:700;color:var(--navy)!important;margin:0 4px;border-radius:10px;padding:10px 14px!important}
.nav-link:hover,.nav-link.active{background:var(--light);color:var(--teal-dark)!important}

/* Hero */
.hero{background:radial-gradient(1000px 500px at 85% 10%,rgba(255,183,3,.35),transparent),radial-gradient(800px 500px at 10% 90%,rgba(0,191,166,.35),transparent),linear-gradient(135deg,#0b1d3a 0%,#14315f 55%,#0e7c6d 100%);color:#fff;padding:90px 0 70px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;background:rgba(255,255,255,.06);border-radius:50%}
.hero::before{content:"";position:absolute;left:-80px;bottom:-120px;width:360px;height:360px;background:rgba(255,183,3,.18);border-radius:50%}
.hero h1{color:#fff;font-size:3.1rem}
.hero h1 span{background:linear-gradient(90deg,var(--gold),#ffe29a);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{color:#d6e4ff}
.hero-card{background:#fff;color:var(--navy);border-radius:22px;padding:28px;box-shadow:0 24px 60px rgba(0,0,0,.25);position:relative;z-index:2}
.hero-badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.hero-badges span{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.2);padding:8px 14px;border-radius:50px;font-size:.85rem;font-weight:700}
.hero-img{border-radius:22px;box-shadow:0 24px 60px rgba(0,0,0,.3);border:6px solid rgba(255,255,255,.25);width:100%;height:100%;object-fit:cover;min-height:320px}

/* Stats */
.stats-strip{background:linear-gradient(90deg,var(--gold),#ffcf5c);padding:22px 0;color:#1a1a1a}
.stat-num{font-size:2rem;font-weight:900}
.stat-label{font-weight:700;font-size:.9rem;text-transform:uppercase;letter-spacing:1px}

/* Service cards */
.svc-card{border:none;border-radius:20px;overflow:hidden;box-shadow:0 14px 34px rgba(11,29,58,.1);transition:.3s;height:100%;background:#fff}
.svc-card:hover{transform:translateY(-8px);box-shadow:0 24px 50px rgba(11,29,58,.18)}
.svc-card img{height:200px;object-fit:cover;width:100%}
.svc-body{padding:24px}
.svc-tag{font-size:.75rem;font-weight:800;letter-spacing:1.2px;text-transform:uppercase;padding:6px 12px;border-radius:50px;display:inline-block;margin-bottom:10px}
.tag-1{background:#e6f9f4;color:#00755f}.tag-2{background:#fff3d1;color:#8a6200}.tag-3{background:#ffe6e6;color:#b4232a}.tag-4{background:#e9e8ff;color:#3f3ad6}.tag-5{background:#e6f0ff;color:#1a4fb0}.tag-6{background:#f0e6ff;color:#6a1fd1}
.svc-card h5{font-size:1.25rem;margin:8px 0}
.svc-card p{color:var(--muted);font-size:.96rem}
.svc-top{height:6px}
.bg-1{background:linear-gradient(90deg,var(--teal),#5eead4)}.bg-2{background:linear-gradient(90deg,var(--gold),#ff8a00)}.bg-3{background:linear-gradient(90deg,var(--coral),#ff9d6b)}.bg-4{background:linear-gradient(90deg,var(--purple),#a78bfa)}.bg-5{background:linear-gradient(90deg,#2563eb,#60a5fa)}.bg-6{background:linear-gradient(90deg,#a855f7,#ec4899)}

/* Why */
.why-section{background:linear-gradient(180deg,var(--navy) 0%,var(--navy2) 100%);color:#dbe6fb}
.why-section h2{color:#fff}
.why-box{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:24px;height:100%;transition:.3s}
.why-box:hover{background:rgba(255,255,255,.12);transform:translateY(-5px)}
.why-icon{width:54px;height:54px;border-radius:16px;display:flex;align-items:center;justify-content:center;font-size:1.6rem;margin-bottom:12px;color:#fff}
.why-box h5{color:#fff}

/* Process */
.step-card{background:#fff;border-radius:20px;padding:28px 22px;text-align:center;box-shadow:0 14px 34px rgba(11,29,58,.08);height:100%;border-top:6px solid var(--teal);position:relative}
.step-num{width:56px;height:56px;border-radius:50%;margin:0 auto 14px;font-weight:900;font-size:1.3rem;display:flex;align-items:center;justify-content:center;color:#fff}
.step-1 .step-num{background:var(--teal)}.step-1{border-color:var(--teal)}
.step-2 .step-num{background:var(--gold);color:#1a1a1a}.step-2{border-color:var(--gold)}
.step-3 .step-num{background:var(--coral)}.step-3{border-color:var(--coral)}
.step-4 .step-num{background:var(--purple)}.step-4{border-color:var(--purple)}

/* Calculator */
.calc-section{background:linear-gradient(135deg,#e6f9f4 0%,#fff8e1 55%,#ffeef0 100%)}
.calc-card{background:#fff;border-radius:22px;padding:32px;box-shadow:0 20px 50px rgba(11,29,58,.12)}
.form-label{font-weight:800;color:var(--navy)}
.form-control,.form-select{border-radius:12px;padding:12px 14px;border:2px solid #e2e8f0}
.form-control:focus,.form-select:focus{border-color:var(--teal);box-shadow:0 0 0 4px rgba(0,191,166,.15)}
.calc-result{background:var(--navy);color:#fff;border-radius:16px;padding:20px;text-align:center}
.calc-result .amt{font-size:2rem;font-weight:900;color:var(--gold)}

/* Testimonials */
.testi-section{background:linear-gradient(135deg,#f6f8fc 0%,#eef2ff 100%)}
.testi-card{border-radius:20px;padding:28px;height:100%;color:#fff;position:relative;overflow:hidden;box-shadow:0 16px 36px rgba(11,29,58,.15)}
.testi-card::after{content:"“";position:absolute;right:16px;top:0;font-size:6rem;opacity:.2;line-height:1}
.testi-1{background:linear-gradient(135deg,#0b1d3a,#2456a6)}
.testi-2{background:linear-gradient(135deg,#0e7c6d,#00bfa6)}
.testi-3{background:linear-gradient(135deg,#b45309,#ffb703);color:#1a1a1a}
.testi-3 small{color:#3d2b00!important}
.testi-4{background:linear-gradient(135deg,#6c63ff,#9d97ff)}
.testi-5{background:linear-gradient(135deg,#c2410c,#ff6b6b)}
.testi-6{background:linear-gradient(135deg,#0f766e,#0b1d3a)}
.stars{color:#ffdf6b;letter-spacing:2px;font-size:1.1rem}
.testi-3 .stars{color:#5a3d00}
.testi-avatar{width:52px;height:52px;border-radius:50%;background:rgba(255,255,255,.25);display:flex;align-items:center;justify-content:center;font-weight:900;font-size:1.2rem;border:2px solid rgba(255,255,255,.5)}
.testi-3 .testi-avatar{background:rgba(0,0,0,.12);border-color:rgba(0,0,0,.15)}

/* Blog */
.blog-card{border:none;border-radius:20px;overflow:hidden;box-shadow:0 14px 34px rgba(11,29,58,.1);height:100%;transition:.3s;background:#fff}
.blog-card:hover{transform:translateY(-8px);box-shadow:0 24px 50px rgba(11,29,58,.18)}
.blog-card img{height:220px;object-fit:cover;width:100%}
.blog-body{padding:26px}
.blog-body h5{font-size:1.2rem}
.blog-body h5 a{color:var(--navy);text-decoration:none}
.blog-body h5 a:hover{color:var(--teal-dark)}
.read-link{font-weight:800;color:var(--teal-dark);text-decoration:none}
.read-link:hover{color:var(--navy)}

/* CTA */
.cta-band{background:linear-gradient(90deg,#0b1d3a 0%,#1a4fb0 55%,#00bfa6 100%);border-radius:26px;padding:48px;color:#fff;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-60px;bottom:-80px;width:280px;height:280px;background:rgba(255,183,3,.35);border-radius:50%}
.cta-band h2{color:#fff}

/* Page hero */
.page-hero{padding:70px 0;color:#fff;position:relative;overflow:hidden}
.page-hero h1{color:#fff}
.page-hero p{color:#dbe6fb}
.ph-about{background:linear-gradient(135deg,#0b1d3a,#6c63ff)}
.ph-services{background:linear-gradient(135deg,#0e7c6d,#0b1d3a)}
.ph-blog{background:linear-gradient(135deg,#b45309,#0b1d3a)}
.ph-contact{background:linear-gradient(135deg,#1a4fb0,#00bfa6)}
.ph-legal{background:linear-gradient(135deg,#3b0764,#6c63ff)}
.ph-news{background:linear-gradient(135deg,#9a3412,#ffb703)}
.breadcrumb-custom{background:rgba(255,255,255,.14);display:inline-flex;gap:8px;padding:8px 16px;border-radius:50px;font-size:.9rem}
.breadcrumb-custom a{color:#fff;text-decoration:none;font-weight:700}
.breadcrumb-custom span{opacity:.8}

/* Contact */
.contact-info-card{border-radius:18px;padding:24px;color:#fff;height:100%}
.ci-1{background:linear-gradient(135deg,#0b1d3a,#2456a6)}.ci-2{background:linear-gradient(135deg,#0e7c6d,#00bfa6)}.ci-3{background:linear-gradient(135deg,#b45309,#ffb703);color:#1a1a1a}
.contact-form-card{background:#fff;border-radius:22px;padding:34px;box-shadow:0 20px 50px rgba(11,29,58,.12);border-top:6px solid var(--gold)}
.map-frame{border:0;width:100%;height:320px;border-radius:20px;box-shadow:0 14px 34px rgba(11,29,58,.12)}

/* Article */
.article-hero img{border-radius:22px;width:100%;height:380px;object-fit:cover;box-shadow:0 20px 50px rgba(11,29,58,.15)}
.article-body{font-size:1.06rem;color:#2e3c54}
.article-body p{margin-bottom:1.3rem}
.article-body h2{margin-top:2rem;font-size:1.6rem}
.callout{border-left:6px solid var(--teal);background:#e6f9f4;border-radius:0 16px 16px 0;padding:18px 20px;margin:22px 0}
.callout.gold{border-color:var(--gold);background:#fff8e1}
.toc-card{background:var(--light);border-radius:18px;padding:24px;position:sticky;top:100px}
.toc-card a{text-decoration:none;color:var(--navy);font-weight:700;display:block;padding:8px 0;border-bottom:1px dashed #d4ddec}
.toc-card a:hover{color:var(--teal-dark)}

/* Legal */
.legal-card{background:#fff;border-radius:20px;padding:36px;box-shadow:0 16px 40px rgba(11,29,58,.08)}

/* Newsletter pages */
.news-card{background:#fff;border-radius:24px;padding:40px;box-shadow:0 24px 60px rgba(11,29,58,.14);border-top:8px solid var(--teal)}
.news-card.gold-top{border-color:var(--gold)}

/* Footer */
footer{background:#081426;color:#c9d6f2;padding:60px 0 0}
footer h5,footer h6{color:#fff}
footer a{color:#c9d6f2;text-decoration:none}
footer a:hover{color:var(--gold)}
.footer-bottom{background:#050d1d;padding:16px 0;margin-top:40px;font-size:.9rem}
.social-btn{width:42px;height:42px;border-radius:12px;display:inline-flex;align-items:center;justify-content:center;background:rgba(255,255,255,.08);color:#fff;font-weight:800;margin-right:8px;transition:.25s}
.social-btn:hover{background:var(--gold);color:#000;transform:translateY(-3px)}
.alert-fade{animation:fadeIn .4s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
#backTop{position:fixed;right:20px;bottom:20px;width:50px;height:50px;border-radius:50%;background:var(--navy);color:#fff;border:none;display:none;z-index:999;box-shadow:0 12px 24px rgba(0,0,0,.25);font-size:1.3rem}
#backTop:hover{background:var(--teal)}
.toast-wrap{position:fixed;bottom:24px;left:50%;transform:translateX(-50%);z-index:1055}
@media(max-width:768px){.hero h1{font-size:2.1rem}.section-title{font-size:1.8rem}.section-pad{padding:56px 0}.article-hero img{height:240px}}