/* ============================================
   Capital Fusions — Emerald & Gold Premium Theme
   ============================================ */

:root {
  --primary: #1A3C34;
  --primary-dark: #0F2822;
  --primary-mid: #2D5A4E;
  --primary-light: #3D7A6A;
  --gold: #C5A059;
  --gold-hover: #d4b06a;
  --gold-dark: #a8863f;
  --cream: #FAF8F5;
  --off-white: #F0EBE3;
  --text: #1A2824;
  --text-muted: #6B7C76;
  --shadow-sm: 0 2px 12px rgba(15, 40, 34, 0.07);
  --shadow-md: 0 8px 30px rgba(15, 40, 34, 0.11);
  --shadow-lg: 0 16px 48px rgba(15, 40, 34, 0.14);
  --radius: 12px;
  --radius-sm: 8px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---- Base ---- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Montserrat', sans-serif;
  font-weight: 400;
  color: var(--text);
  background-color: var(--cream);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.25;
}

a {
  text-decoration: none;
  transition: color var(--transition);
}

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

/* ---- Utilities ---- */
.text-gold {
  color: var(--gold) !important;
}

.text-white {
  color: var(--cream) !important;
}

/* ---- Buttons ---- */
.btn-gold {
  background-color: var(--gold);
  color: var(--primary-dark);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.875rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border: 2px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: 0.75rem 2rem;
  transition: background-color var(--transition), color var(--transition), transform var(--transition), box-shadow var(--transition);
  will-change: transform;
}

.btn-gold:hover,
.btn-gold:focus {
  background-color: var(--gold-hover);
  border-color: var(--gold-hover);
  color: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(197, 160, 89, 0.4);
}

.btn-gold:active {
  transform: translateY(0);
}

/* ---- Navbar ---- */
.navbar {
  padding: 0.85rem 0;
  background-color: var(--primary-dark);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.25);
  border-bottom: 1px solid rgba(197, 160, 89, 0.25);
  transition: box-shadow var(--transition), padding var(--transition);
  z-index: 1050;
}

.navbar.scrolled {
  box-shadow: 0 6px 28px rgba(0, 0, 0, 0.32);
  padding: 0.65rem 0;
}

.navbar-brand {
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: -0.02em;
  display: inline-flex;
  align-items: center;
  isolation: isolate;
}

.site-logo {
  display: block;
  width: auto;
  height: auto;
  mix-blend-mode: screen;
}

.site-logo--nav {
  height: 55px;
  max-width: 220px;
  object-fit: contain;
  border-radius: 10px;
}

.navbar.scrolled .site-logo--nav {
  height: 55px;
}

@media (max-width: 575.98px) {
  .site-logo--nav {
    height: 30px;
    max-width: 190px;
  }
}

.site-logo--footer {
  height: 100px;
  max-width: 260px;
  object-fit: contain;
  border-radius: 12px;
}

@media (max-width: 575.98px) {
  .site-logo--footer {
    height: 40px;
    max-width: 240px;
  }
}

.brand-capital {
  color: var(--cream);
}

.brand-fusions {
  color: var(--gold);
}

.navbar .nav-link {
  color: rgba(250, 248, 245, 0.88);
  font-weight: 500;
  font-size: 0.9rem;
  padding: 0.5rem 1.25rem !important;
  transition: color var(--transition);
}

.navbar .nav-link:hover,
.navbar .nav-link:focus {
  color: var(--gold);
}

.navbar-toggler {
  border-color: rgba(250, 248, 245, 0.35);
  padding: 0.4rem 0.65rem;
}

.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba%28250, 248, 245, 0.88%29' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

.btn-nav-apply {
  padding: 0.6rem 1.5rem;
  font-size: 0.8rem;
}

@media (max-width: 991.98px) {
  .navbar-collapse {
    background: rgba(15, 40, 34, 0.98);
    border-radius: var(--radius);
    padding: 1rem 1.25rem;
    margin-top: 0.75rem;
  }

  .btn-nav-apply {
    display: block;
    text-align: center;
    margin-top: 0.75rem;
  }
}

/* ---- Hero ---- */
.hero {
  position: relative;
  min-height: 100vh;
  overflow: hidden;
  background-color: var(--primary-dark);
}

.hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  background-color: var(--primary-dark);
}

.hero-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 68% 24%;
  display: block;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(
    105deg,
    rgba(15, 40, 34, 0.98) 0%,
    rgba(15, 40, 34, 0.94) 38%,
    rgba(26, 60, 52, 0.55) 52%,
    rgba(45, 90, 78, 0.22) 72%,
    rgba(45, 90, 78, 0.08) 100%
  );
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding-top: 7rem;
}

.hero-content .row {
  min-height: calc(100vh - 7rem);
  align-items: center;
}

.hero-title {
  font-weight: 800;
  font-size: clamp(2.25rem, 5vw, 3.75rem);
  margin-bottom: 1.5rem;
  letter-spacing: -0.02em;
}

.hero-subtitle {
  font-weight: 400;
  font-size: clamp(1rem, 1.8vw, 1.15rem);
  color: rgba(250, 248, 245, 0.88);
  max-width: 620px;
  margin-bottom: 2.5rem;
  line-height: 1.75;
}

@media (max-width: 575.98px) {
  .hero-br {
    display: none;
  }
}

.hero-cta {
  padding: 1rem 2.5rem;
  font-size: 0.95rem;
}

@media (max-width: 1199.98px) {
  .hero-image {
    object-position: 76% 20%;
  }

  .hero-overlay {
    background: linear-gradient(
      105deg,
      rgba(15, 40, 34, 0.98) 0%,
      rgba(15, 40, 34, 0.92) 40%,
      rgba(15, 40, 34, 0.7) 55%,
      rgba(26, 60, 52, 0.38) 72%,
      rgba(26, 60, 52, 0.18) 100%
    );
  }
}

@media (max-width: 991.98px) {
  .hero-image {
    object-position: 84% 18%;
    filter: brightness(0.9) saturate(0.88);
  }

  .hero-overlay {
    background: linear-gradient(
      110deg,
      rgba(15, 40, 34, 0.98) 0%,
      rgba(15, 40, 34, 0.94) 44%,
      rgba(15, 40, 34, 0.78) 58%,
      rgba(26, 60, 52, 0.48) 74%,
      rgba(26, 60, 52, 0.28) 100%
    );
  }
}

@media (max-width: 767.98px) {
  .hero {
    min-height: 92vh;
  }

  .hero-content {
    padding-top: 5.75rem;
  }

  .hero-content .row {
    min-height: calc(92vh - 5.75rem);
  }

  .hero-image {
    object-position: 90% 15%;
  }

  .hero-overlay {
    background: linear-gradient(
      115deg,
      rgba(15, 40, 34, 0.99) 0%,
      rgba(15, 40, 34, 0.95) 50%,
      rgba(26, 60, 52, 0.62) 70%,
      rgba(26, 60, 52, 0.38) 88%,
      rgba(26, 60, 52, 0.22) 100%
    );
  }
}

@media (max-width: 575.98px) {
  .hero {
    min-height: 90vh;
  }

  .hero-content {
    padding-top: 5.5rem;
  }

  .hero-content .row {
    min-height: calc(90vh - 5.5rem);
  }

  .hero-image {
    object-position: right 12%;
  }

  .hero-overlay {
    background: linear-gradient(
      118deg,
      rgba(15, 40, 34, 0.99) 0%,
      rgba(15, 40, 34, 0.96) 54%,
      rgba(26, 60, 52, 0.58) 72%,
      rgba(26, 60, 52, 0.35) 90%,
      rgba(26, 60, 52, 0.2) 100%
    );
  }
}

/* ---- Form Section ---- */
.section-divider {
  height: 6px;
  background: linear-gradient(to right, var(--primary-dark), var(--gold), var(--primary-dark));
}

.form-section {
  padding: 5rem 0 6rem;
  background: #fff;
}

.apply-header {
  max-width: 680px;
  margin: 0 auto 3rem;
}

.apply-tag {
  display: inline-block;
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--primary);
  background: rgba(26, 60, 52, 0.08);
  padding: 0.4rem 1rem;
  border-radius: 50px;
  margin-bottom: 1rem;
}

.apply-title {
  font-weight: 800;
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  color: var(--primary-dark);
  margin-bottom: 0.85rem;
  line-height: 1.25;
}

.apply-desc {
  font-weight: 400;
  font-size: 1.05rem;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.7;
}

.form-wrapper {
  background: var(--cream);
  border-radius: var(--radius);
  box-shadow: 0 12px 48px rgba(15, 40, 34, 0.14);
  overflow: hidden;
  border: 1px solid rgba(197, 160, 89, 0.2);
}

/* Form left promo panel */
.form-promo {
  background: linear-gradient(180deg, var(--primary-dark) 0%, var(--primary) 100%);
  color: var(--cream);
}

.form-promo-inner {
  padding: 2.5rem 2rem;
  height: 100%;
}

.form-promo-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  border-radius: var(--radius-sm);
  margin-bottom: 1.75rem;
  display: block;
}

.form-promo-title {
  font-weight: 700;
  font-size: 1.35rem;
  color: var(--cream);
  margin-bottom: 0.75rem;
  line-height: 1.35;
}

.form-promo-desc {
  font-weight: 400;
  font-size: 0.9rem;
  color: rgba(250, 248, 245, 0.75);
  line-height: 1.7;
  margin-bottom: 1.75rem;
}

.form-promo-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.form-promo-list li {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.promo-icon {
  width: 42px;
  height: 42px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(197, 160, 89, 0.15);
  border-radius: var(--radius-sm);
  color: var(--gold);
  font-size: 1.15rem;
}

.form-promo-list strong {
  display: block;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--cream);
  margin-bottom: 0.2rem;
}

.form-promo-list li span:not(.promo-icon) {
  font-weight: 400;
  font-size: 0.82rem;
  color: rgba(250, 248, 245, 0.65);
  line-height: 1.5;
}

.form-promo-list li > div {
  flex: 1;
}

/* Form right panel */
.form-panel {
  background: #fff;
  display: flex;
  flex-direction: column;
}

.form-progress-wrap {
  padding: 2rem 2.5rem 0;
}

.form-progress {
  display: flex;
  gap: 6px;
  margin-bottom: 0.75rem;
}

.progress-seg {
  flex: 1;
  height: 4px;
  background: #e5e0d8;
  border-radius: 4px;
  transition: background var(--transition);
}

.progress-seg.active {
  background: var(--primary);
}

.form-step-indicator {
  font-weight: 600;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin: 0;
}

/* Form Content */
.form-content {
  padding: 1.75rem 2.5rem 2rem;
  background: #fff;
  flex: 1;
}

.form-panel .form-label {
  font-weight: 700;
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text);
}

.form-security-note {
  text-align: center;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin: 1.1rem 0 0;
  padding: 0.85rem 2.5rem 2rem;
  line-height: 1.65;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  flex-wrap: wrap;
  border-top: 1px solid rgba(26, 60, 52, 0.08);
}

.form-security-note i {
  color: var(--primary);
}

.form-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

.form-actions:has(.btn-continue:only-child) {
  justify-content: flex-end;
}

/* Radio buttons */

.form-step {
  display: none;
}

.form-step.active {
  display: block;
  animation: fadeSlideIn 0.4s ease forwards;
}

@keyframes fadeSlideIn {
  from {
    opacity: 0;
    transform: translateY(12px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.section-label {
  display: inline-block;
  font-weight: 700;
  font-size: 0.75rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--primary-light);
  margin-bottom: 0.75rem;
}

.form-headline {
  color: var(--gold-dark);
  font-weight: 700;
  font-size: clamp(1.5rem, 3vw, 2rem);
  margin-bottom: 0.5rem;
}

.form-subheadline {
  font-weight: 500;
  font-size: 1.05rem;
  color: var(--text);
  margin-bottom: 0.35rem;
}

.form-subtext {
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 0;
}

.form-label {
  font-weight: 500;
  font-size: 0.875rem;
  color: var(--text);
  margin-bottom: 0.4rem;
}

.form-control,
.form-select {
  font-family: 'Montserrat', sans-serif;
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--text);
  background-color: #fff;
  border: 1.5px solid #d8d0c4;
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form-control:focus,
.form-select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(197, 160, 89, 0.22);
  outline: none;
}

.form-control.is-invalid,
.form-select.is-invalid {
  border-color: #dc3545;
}

.invalid-feedback {
  display: none;
  font-size: 0.8rem;
  color: #dc3545;
  margin-top: 0.35rem;
}

.form-control.is-invalid ~ .invalid-feedback,
.form-select.is-invalid ~ .invalid-feedback {
  display: block;
}

.btn-apply {
  padding: 0.85rem 2.5rem;
  font-size: 0.85rem;
}

/* Form action buttons */
.btn-emerald {
  background-color: var(--primary);
  color: var(--cream);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.04em;
  border: 2px solid var(--primary);
  border-radius: var(--radius-sm);
  padding: 0.8rem 2.25rem;
  transition: background-color var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
}

.btn-emerald:hover,
.btn-emerald:focus {
  background-color: var(--primary-mid);
  border-color: var(--primary-mid);
  color: var(--cream);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(26, 60, 52, 0.3);
}

.btn-outline-emerald {
  background-color: transparent;
  color: var(--primary);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.04em;
  border: 2px solid var(--primary);
  border-radius: var(--radius-sm);
  padding: 0.8rem 2.25rem;
  transition: background-color var(--transition), color var(--transition), transform var(--transition);
}

.btn-outline-emerald:hover,
.btn-outline-emerald:focus {
  background-color: var(--primary);
  color: var(--cream);
  transform: translateY(-2px);
}

.btn-submit-full {
  display: block;
  width: 100%;
  padding: 1rem 2rem;
  font-size: 0.95rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

/* Radio buttons */
.radio-group {
  border: none;
  padding: 0;
  margin: 0;
}

.radio-group legend {
  float: none;
  width: auto;
  padding: 0;
  margin-bottom: 0.5rem;
}

.radio-options {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.radio-option {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
  font-weight: 500;
  font-size: 0.9rem;
  color: var(--text);
  margin: 0;
}

.radio-option input[type="radio"] {
  width: 18px;
  height: 18px;
  accent-color: var(--primary);
  cursor: pointer;
}

.radio-group.is-invalid .radio-options {
  outline: 2px solid #dc3545;
  outline-offset: 4px;
  border-radius: var(--radius-sm);
  padding: 0.5rem;
}

/* Consent checkbox */
.checkbox-consent {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.6;
  padding: 1rem 1.25rem;
  background: #fff;
  border: 1.5px solid #d8d0c4;
  border-radius: var(--radius-sm);
  transition: border-color var(--transition);
}

.checkbox-consent:has(input:checked) {
  border-color: var(--gold);
}

.checkbox-consent.is-invalid {
  border-color: #dc3545;
}

.checkbox-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 0.15rem;
  flex-shrink: 0;
  accent-color: var(--primary);
  cursor: pointer;
}

.checkbox-consent a {
  color: var(--primary);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.checkbox-consent a:hover {
  color: var(--gold-dark);
}

@media (max-width: 991.98px) {
  .form-promo-inner {
    padding: 2rem 1.5rem;
  }

  .form-promo-img {
    height: 180px;
  }

  .form-progress-wrap {
    padding: 1.5rem 1.5rem 0;
  }

  .form-content {
    padding: 1.5rem 1.5rem 1.25rem;
  }

  .form-security-note {
    padding: 0 1.5rem 1.5rem;
  }
}

/* ---- Why Us ---- */
.why-us {
  padding: 6rem 0;
  background: var(--cream);
}

.section-tag {
  display: inline-block;
  font-weight: 600;
  font-size: 0.75rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 0.75rem;
}

.section-title {
  font-weight: 800;
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  color: var(--primary);
  margin-bottom: 1rem;
}

.section-desc {
  font-weight: 400;
  color: var(--text-muted);
  max-width: 560px;
  margin: 0 auto;
  font-size: 1.05rem;
}

.feature-card {
  background: #fff;
  border: 1px solid rgba(26, 60, 52, 0.08);
  border-radius: var(--radius);
  padding: 2.5rem 2rem;
  text-align: center;
  height: 100%;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(197, 160, 89, 0.25);
}

.feature-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, rgba(26, 60, 52, 0.1), rgba(197, 160, 89, 0.12));
  border-radius: 50%;
  font-size: 1.5rem;
  color: var(--primary-mid);
}

.feature-card h3 {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--primary);
  margin-bottom: 0.75rem;
}

.feature-card p {
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 0;
  line-height: 1.7;
}

/* ---- How It Works ---- */
.how-it-works {
  padding: 6rem 0;
  background-color: var(--primary-dark);
  color: var(--cream);
}

.how-it-works .section-title {
  color: var(--cream);
}

.how-it-works .section-desc {
  color: rgba(250, 248, 245, 0.72);
}

.step-card {
  text-align: center;
  padding: 0;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(197, 160, 89, 0.2);
  border-radius: var(--radius);
  height: 100%;
  overflow: hidden;
  transition: background var(--transition), border-color var(--transition), transform var(--transition), box-shadow var(--transition);
}

.step-card:hover {
  background: rgba(255, 255, 255, 0.09);
  border-color: rgba(197, 160, 89, 0.45);
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.25);
}

.step-img-wrap {
  position: relative;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  background: var(--primary);
}

.step-img-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(15, 40, 34, 0.08) 0%, rgba(15, 40, 34, 0.45) 100%);
  pointer-events: none;
  transition: opacity var(--transition);
}

.step-card:hover .step-img-wrap::after {
  opacity: 0.85;
}

.step-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  transition: transform 0.5s ease;
}

.step-img-apply {
  object-position: center 15%;
}

.step-img-approved {
  object-position: center 35%;
}

.step-img-funded {
  object-position: center 55%;
}

.step-card:hover .step-img {
  transform: scale(1.05);
}

.step-badge-row {
  position: relative;
  z-index: 3;
  height: 0;
  text-align: center;
}

.step-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  margin: 0;
  transform: translateY(-50%);
  background: var(--gold);
  color: var(--primary-dark);
  font-weight: 800;
  font-size: 1.25rem;
  border-radius: 50%;
  box-shadow: 0 4px 16px rgba(197, 160, 89, 0.35);
  border: 3px solid var(--primary-dark);
}

.step-body {
  padding: 2rem 1.75rem 2rem;
}

.step-card h3 {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--cream);
  margin-bottom: 0.75rem;
}

.step-card p {
  font-weight: 400;
  font-size: 0.9rem;
  color: rgba(250, 248, 245, 0.72);
  margin-bottom: 0;
  line-height: 1.7;
}

/* ---- Finance Gallery / Our Services ---- */
.finance-gallery {
  padding: 6rem 0;
  background: var(--off-white);
  border-top: 1px solid rgba(26, 60, 52, 0.08);
}

.gallery-card {
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(26, 60, 52, 0.08);
  height: 100%;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.gallery-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(197, 160, 89, 0.35);
}

.gallery-card-featured {
  border-color: rgba(197, 160, 89, 0.25);
  box-shadow: var(--shadow-md);
}

.gallery-img-wrap {
  position: relative;
  overflow: hidden;
  aspect-ratio: 4 / 3;
  background: var(--primary-dark);
}

.gallery-img-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(15, 40, 34, 0.35) 100%);
  pointer-events: none;
  transition: opacity var(--transition);
}

.gallery-card:hover .gallery-img-wrap::after {
  opacity: 0.6;
}

.gallery-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.5s ease;
}

.gallery-card:hover .gallery-img {
  transform: scale(1.05);
}

.gallery-caption {
  padding: 1.5rem 1.5rem 1.75rem;
}

.gallery-tag {
  display: inline-block;
  font-weight: 700;
  font-size: 0.7rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 0.5rem;
}

.gallery-caption p {
  font-weight: 400;
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin: 0;
}

@media (max-width: 767.98px) {
  .finance-gallery {
    padding: 3.5rem 0;
  }

  .gallery-img-wrap {
    aspect-ratio: 16 / 10;
  }
}

/* ---- FAQ ---- */
.faq {
  padding: 6rem 0 4rem;
  background: var(--off-white);
}

.accordion-item {
  border: none;
  background: transparent;
  margin-bottom: 0.75rem;
}

.accordion-button {
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 1rem;
  color: var(--text);
  background: #fff;
  border-radius: var(--radius-sm) !important;
  box-shadow: var(--shadow-sm);
  padding: 1.25rem 1.5rem;
  border: 1px solid rgba(26, 60, 52, 0.06);
}

.accordion-button:not(.collapsed) {
  background: #fff;
  color: var(--primary);
  box-shadow: var(--shadow-sm);
  border-color: rgba(197, 160, 89, 0.2);
}

.accordion-button:focus {
  box-shadow: 0 0 0 3px rgba(197, 160, 89, 0.22);
  border-color: transparent;
}

.accordion-button::after {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23C5A059'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e");
}

.accordion-body {
  font-weight: 400;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.7;
  padding: 0 1.5rem 1.25rem;
  background: #fff;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
}

/* ---- Reviews ---- */
.reviews {
  padding: 6rem 0;
  background: #fff;
}

.reviews-summary {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  border-radius: var(--radius);
  padding: 2.5rem 3rem;
  margin-top: 3rem;
  box-shadow: var(--shadow-md);
}

.summary-rating {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.summary-score {
  font-weight: 800;
  font-size: 3rem;
  color: var(--gold);
  line-height: 1;
}

.summary-stars {
  color: var(--gold);
  font-size: 1.1rem;
  letter-spacing: 0.15em;
}

.summary-count {
  font-weight: 400;
  font-size: 0.9rem;
  color: rgba(250, 248, 245, 0.72);
}

.summary-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 2.5rem;
}

.stat-item {
  text-align: center;
}

.stat-item strong {
  display: block;
  font-weight: 800;
  font-size: 1.75rem;
  color: var(--cream);
  line-height: 1.2;
}

.stat-item span {
  font-weight: 400;
  font-size: 0.8rem;
  color: rgba(250, 248, 245, 0.65);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.review-card {
  background: #fff;
  border: 1px solid rgba(26, 60, 52, 0.08);
  border-radius: var(--radius);
  padding: 2rem 1.75rem;
  height: 100%;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  display: flex;
  flex-direction: column;
}

.review-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: rgba(197, 160, 89, 0.3);
}

.review-card-featured {
  border-color: rgba(197, 160, 89, 0.35);
  box-shadow: var(--shadow-md);
  position: relative;
}

.review-card-featured::before {
  content: '\201C';
  position: absolute;
  top: 1rem;
  right: 1.5rem;
  font-size: 4rem;
  font-weight: 800;
  color: rgba(197, 160, 89, 0.15);
  line-height: 1;
  pointer-events: none;
}

.review-stars {
  color: var(--gold);
  font-size: 0.95rem;
  letter-spacing: 0.12em;
  margin-bottom: 1rem;
}

.review-quote {
  font-weight: 400;
  font-size: 0.95rem;
  color: var(--text);
  line-height: 1.75;
  margin: 0 0 1.5rem;
  flex-grow: 1;
  border: none;
  padding: 0;
}

.review-author {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(26, 60, 52, 0.08);
}

.review-avatar {
  width: 48px;
  height: 48px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--primary), var(--primary-mid));
  color: var(--cream);
  font-weight: 700;
  font-size: 0.85rem;
  border-radius: 50%;
}

.review-name {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--primary);
  margin: 0 0 0.15rem;
}

.review-meta {
  font-weight: 400;
  font-size: 0.8rem;
  color: var(--text-muted);
  margin: 0;
}

.reviews-cta {
  margin-top: 3.5rem;
}

.reviews-cta p {
  font-weight: 500;
  font-size: 1.05rem;
  color: var(--text-muted);
  margin-bottom: 1.25rem;
}

@media (max-width: 767.98px) {
  .reviews-summary {
    padding: 2rem 1.5rem;
    flex-direction: column;
    text-align: center;
  }

  .summary-rating {
    align-items: center;
  }

  .summary-stats {
    justify-content: center;
    gap: 1.5rem;
  }
}

/* ---- Footer ---- */
.site-footer {
  background: var(--primary-dark);
  padding: 4rem 0 3rem;
  border-top: 3px solid var(--gold);
}

.footer-main {
  align-items: flex-start;
}

.footer-logo {
  display: inline-block;
  font-weight: 800;
  font-size: 1.6rem;
  letter-spacing: -0.02em;
  margin-bottom: 1.25rem;
  isolation: isolate;
}

.footer-logo:hover .brand-fusions {
  color: var(--gold-hover);
}

.footer-about {
  font-weight: 400;
  font-size: 0.92rem;
  color: rgba(250, 248, 245, 0.68);
  line-height: 1.75;
  margin: 0 0 1.5rem;
  max-width: 320px;
}

.footer-copy {
  font-weight: 500;
  font-size: 0.8rem;
  color: rgba(250, 248, 245, 0.45);
  margin: 0;
}

.footer-heading {
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--cream);
  margin-bottom: 1.25rem;
}

.footer-columns {
  --bs-gutter-x: 2rem;
}

@media (min-width: 992px) {
  .footer-columns {
    --bs-gutter-x: 2.75rem;
  }

  .footer-col-contact {
    padding-right: 1.5rem;
  }
}

.footer-col {
  min-width: 0;
}

.footer-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-list li {
  margin-bottom: 0.85rem;
}

.footer-list li:last-child {
  margin-bottom: 0;
}

.footer-list a {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 500;
  font-size: 0.88rem;
  color: rgba(250, 248, 245, 0.72);
  transition: color var(--transition);
  line-height: 1.5;
}

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

.footer-list a .bi-chevron-right {
  font-size: 0.7rem;
  color: var(--gold);
}

.footer-contact-list a {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  max-width: 100%;
}

.footer-contact-list a > span:last-child {
  flex: 1;
  min-width: 0;
  word-break: break-word;
  overflow-wrap: anywhere;
  font-size: 0.84rem;
  line-height: 1.55;
}

.footer-icon {
  width: 38px;
  height: 38px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(197, 160, 89, 0.45);
  border-radius: 50%;
  color: var(--gold);
  font-size: 0.95rem;
  transition: background var(--transition), border-color var(--transition);
}

.footer-contact-list a:hover .footer-icon {
  background: rgba(197, 160, 89, 0.12);
  border-color: var(--gold);
}

@media (max-width: 991.98px) {
  .footer-brand-col {
    margin-bottom: 0.5rem;
  }

  .footer-about {
    max-width: 100%;
  }
}

@media (max-width: 575.98px) {
  .site-footer {
    padding: 3rem 0 2.5rem;
  }

  .footer-col {
    text-align: center;
  }

  .footer-list a {
    justify-content: center;
  }

  .footer-contact-list a {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }
}

/* ---- Scroll Animations ---- */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
  will-change: opacity, transform;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.hero .fade-in {
  opacity: 1;
  transform: translateY(0);
}

.hero .fade-in.animate {
  animation: heroFadeUp 0.8s ease forwards;
}

@keyframes heroFadeUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ---- Success Message ---- */
.form-success {
  text-align: center;
  padding: 4rem 2rem;
}

.form-success .success-icon {
  font-size: 3.5rem;
  color: var(--gold);
  margin-bottom: 1.5rem;
}

.form-success h2 {
  color: var(--primary);
  font-weight: 700;
  margin-bottom: 0.75rem;
}

.form-success p {
  color: var(--text-muted);
  font-weight: 400;
}

/* ---- Legal Pages ---- */
.legal-page .navbar {
  background-color: rgba(15, 40, 34, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: var(--shadow-md);
  padding: 0.75rem 0;
}

.legal-hero {
  padding: 8rem 0 3rem;
  background: linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 100%);
  color: var(--cream);
}

.legal-back {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 500;
  font-size: 0.9rem;
  color: rgba(250, 248, 245, 0.8);
  margin-bottom: 1.5rem;
  transition: color var(--transition);
}

.legal-back:hover {
  color: var(--gold);
}

.legal-hero h1 {
  font-weight: 800;
  font-size: clamp(2rem, 4vw, 2.75rem);
  color: var(--cream);
  margin-bottom: 0.5rem;
}

.legal-updated {
  font-weight: 400;
  font-size: 0.9rem;
  color: rgba(250, 248, 245, 0.65);
  margin: 0;
}

.legal-content {
  padding: 4rem 0 6rem;
  background: var(--off-white);
}

.legal-card {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(26, 60, 52, 0.08);
  padding: 3rem 3.5rem;
  max-width: 900px;
  margin: 0 auto;
}

.legal-intro {
  font-weight: 500;
  font-size: 1.05rem;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 2.5rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(26, 60, 52, 0.08);
}

.legal-card section {
  margin-bottom: 2.25rem;
}

.legal-card section:last-child {
  margin-bottom: 0;
}

.legal-card h2 {
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--primary);
  margin-bottom: 0.75rem;
}

.legal-card p {
  font-weight: 400;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: 0.75rem;
}

.legal-card p:last-child {
  margin-bottom: 0;
}

.legal-card ul {
  padding-left: 1.25rem;
  margin-bottom: 0.75rem;
}

.legal-card li {
  font-weight: 400;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: 0.35rem;
}

.legal-card a {
  color: var(--primary);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.legal-card a:hover {
  color: var(--gold-dark);
}

.legal-contact {
  list-style: none;
  padding-left: 0;
  margin-top: 0.5rem;
}

.legal-contact li {
  color: var(--text);
}

@media (max-width: 767.98px) {
  .legal-hero {
    padding: 7rem 0 2.5rem;
  }

  .legal-card {
    padding: 2rem 1.5rem;
  }
}