:root {
  --navy: #071a31;
  --navy-2: #0f2d4d;
  --navy-3: #123a62;
  --gold: #caa052;
  --gold-2: #e0bd74;
  --ink: #142033;
  --muted: #657386;
  --line: #dfe5ec;
  --soft: #f4f6f9;
  --white: #ffffff;
  --shadow: 0 22px 60px rgba(7, 26, 49, 0.13);
  --shadow-soft: 0 16px 38px rgba(7, 26, 49, 0.08);
  --radius: 8px;
  --max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: "Segoe UI", Roboto, Arial, sans-serif;
  line-height: 1.6;
}

body.menu-open {
  overflow: hidden;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
select,
textarea {
  font: inherit;
}

ul {
  margin: 0;
  padding: 0;
}

.container {
  width: min(100% - 40px, var(--max));
  margin-inline: auto;
}

.loading {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: grid;
  place-items: center;
  background: var(--navy);
  transition: opacity 0.35s ease, visibility 0.35s ease;
}

.loading.is-hidden {
  opacity: 0;
  visibility: hidden;
}

.loader-mark {
  width: 58px;
  height: 58px;
  border: 3px solid rgba(255, 255, 255, 0.22);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin 0.9s linear infinite;
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(223, 229, 236, 0.9);
  backdrop-filter: blur(18px);
  transition: box-shadow 0.25s ease, background 0.25s ease;
}

.site-header.is-scrolled {
  box-shadow: 0 12px 35px rgba(7, 26, 49, 0.08);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 78px;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: 0;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  color: var(--navy);
  background: linear-gradient(145deg, var(--gold), var(--gold-2));
  border-radius: 8px;
  font-family: Georgia, serif;
  font-size: 18px;
  box-shadow: 0 12px 22px rgba(202, 160, 82, 0.26);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 26px;
  list-style: none;
}

.nav-link {
  position: relative;
  color: #2d3b4e;
  font-size: 0.96rem;
  font-weight: 650;
  transition: color 0.2s ease;
}

.nav-link::after {
  position: absolute;
  left: 0;
  bottom: -9px;
  width: 100%;
  height: 2px;
  content: "";
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.2s ease;
}

.nav-link:hover,
.nav-link.active {
  color: var(--navy);
}

.nav-link:hover::after,
.nav-link.active::after {
  transform: scaleX(1);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 14px;
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  padding: 0;
  color: var(--navy);
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: 8px;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: currentColor;
  transition: transform 0.2s ease, opacity 0.2s ease;
}

.nav-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.nav-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.btn {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 0.78rem 1.18rem;
  border: 1px solid transparent;
  border-radius: 8px;
  font-weight: 750;
  cursor: pointer;
  transition: transform 0.22s ease, box-shadow 0.22s ease, background 0.22s ease, color 0.22s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  color: var(--navy);
  background: linear-gradient(145deg, var(--gold), var(--gold-2));
  box-shadow: 0 14px 30px rgba(202, 160, 82, 0.26);
}

.btn-primary:hover {
  box-shadow: 0 18px 36px rgba(202, 160, 82, 0.34);
}

.btn-secondary {
  color: var(--white);
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.25);
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.18);
}

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

.btn-outline:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-soft);
}

.hero {
  position: relative;
  min-height: 780px;
  display: grid;
  align-items: center;
  overflow: hidden;
  color: var(--white);
  background: var(--navy) url("../images/hero-finance.png") center / cover no-repeat;
}

.hero::before {
  position: absolute;
  inset: 0;
  content: "";
  background:
    linear-gradient(90deg, rgba(4, 14, 31, 0.9) 0%, rgba(4, 14, 31, 0.74) 45%, rgba(4, 14, 31, 0.18) 100%),
    linear-gradient(0deg, rgba(7, 26, 49, 0.62), rgba(7, 26, 49, 0.08));
}

.hero .container {
  position: relative;
  z-index: 1;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 680px) 1fr;
  gap: 60px;
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
  color: var(--gold-2);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.eyebrow::before {
  width: 34px;
  height: 2px;
  content: "";
  background: currentColor;
}

h1,
h2,
h3,
h4 {
  margin: 0;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.08;
  letter-spacing: 0;
}

.hero h1 {
  max-width: 720px;
  color: var(--white);
  font-size: clamp(3rem, 7vw, 5.9rem);
}

.hero-subtitle {
  max-width: 650px;
  margin: 24px 0 34px;
  color: rgba(255, 255, 255, 0.82);
  font-size: clamp(1.06rem, 2vw, 1.25rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 34px;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 10px 14px;
  color: rgba(255, 255, 255, 0.9);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 999px;
  font-size: 0.92rem;
  backdrop-filter: blur(12px);
}

.trust-badge::before {
  width: 8px;
  height: 8px;
  content: "";
  background: var(--gold);
  border-radius: 50%;
}

.hero-panel {
  justify-self: end;
  width: min(360px, 100%);
  padding: 28px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  box-shadow: 0 24px 70px rgba(0, 0, 0, 0.22);
  backdrop-filter: blur(18px);
}

.hero-panel .metric {
  padding: 18px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.18);
}

.hero-panel .metric:last-child {
  border-bottom: 0;
}

.metric strong {
  display: block;
  color: var(--white);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2.2rem;
  line-height: 1;
}

.metric span {
  color: rgba(255, 255, 255, 0.76);
  font-size: 0.95rem;
}

.section {
  padding: 96px 0;
}

.section-muted {
  background: var(--soft);
}

.section-dark {
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), #0d3156);
}

.section-dark h2,
.section-dark h3 {
  color: var(--white);
}

.section-header {
  max-width: 760px;
  margin: 0 auto 46px;
  text-align: center;
}

.section-header.left {
  margin-inline: 0;
  text-align: left;
}

.section-header .eyebrow {
  justify-content: center;
}

.section-header.left .eyebrow {
  justify-content: flex-start;
}

.section-header h2,
.page-hero h1 {
  font-size: clamp(2.1rem, 4vw, 3.35rem);
}

.section-header p {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 1.05rem;
}

.section-dark .section-header p {
  color: rgba(255, 255, 255, 0.76);
}

.split {
  display: grid;
  grid-template-columns: 1.02fr 0.98fr;
  gap: 56px;
  align-items: center;
}

.split-image {
  overflow: hidden;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.split-image img {
  width: 100%;
  height: 100%;
  min-height: 360px;
  object-fit: cover;
}

.lead {
  margin: 0 0 22px;
  color: var(--muted);
  font-size: 1.08rem;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 30px;
}

.stat-card {
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.stat-card strong {
  display: block;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2.1rem;
  line-height: 1;
}

.stat-card span {
  display: block;
  margin-top: 8px;
  color: var(--muted);
}

.grid-3,
.grid-4 {
  display: grid;
  gap: 22px;
}

.grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.grid-4 {
  grid-template-columns: repeat(4, 1fr);
}

.card,
.service-card,
.why-card,
.testimonial-card,
.blog-card,
.team-card,
.value-card,
.price-card,
.detail-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.service-card,
.why-card,
.value-card {
  position: relative;
  min-height: 100%;
  padding: 28px;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.service-card::after,
.why-card::after,
.value-card::after {
  position: absolute;
  right: -36px;
  bottom: -36px;
  width: 100px;
  height: 100px;
  content: "";
  background: rgba(202, 160, 82, 0.1);
  border-radius: 50%;
  transition: transform 0.25s ease;
}

.service-card:hover,
.why-card:hover,
.value-card:hover {
  transform: translateY(-7px);
  border-color: rgba(202, 160, 82, 0.48);
  box-shadow: var(--shadow);
}

.service-card:hover::after,
.why-card:hover::after,
.value-card:hover::after {
  transform: scale(1.4);
}

.icon-box {
  display: inline-grid;
  width: 52px;
  height: 52px;
  place-items: center;
  margin-bottom: 22px;
  color: var(--navy);
  background: linear-gradient(145deg, rgba(202, 160, 82, 0.18), rgba(202, 160, 82, 0.34));
  border: 1px solid rgba(202, 160, 82, 0.36);
  border-radius: 8px;
  font-weight: 850;
}

.service-card h3,
.why-card h3,
.value-card h3 {
  margin-bottom: 12px;
  font-size: 1.32rem;
}

.service-card p,
.why-card p,
.value-card p,
.testimonial-card p,
.blog-card p,
.detail-card p {
  margin: 0;
  color: var(--muted);
}

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

.process {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  counter-reset: process;
}

.process-step {
  position: relative;
  padding: 28px 20px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
}

.process-step::before {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  margin-bottom: 20px;
  color: var(--navy);
  content: counter(process);
  counter-increment: process;
  background: var(--gold);
  border-radius: 50%;
  font-weight: 850;
}

.process-step h3 {
  margin-bottom: 10px;
  font-size: 1.12rem;
}

.process-step p {
  margin: 0;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.94rem;
}

.testimonial-card {
  padding: 30px;
}

.stars {
  color: var(--gold);
  font-size: 1.05rem;
  letter-spacing: 0.12em;
}

.client {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 24px;
}

.avatar {
  display: grid;
  width: 48px;
  height: 48px;
  flex: 0 0 48px;
  place-items: center;
  color: var(--navy);
  background: var(--gold);
  border-radius: 50%;
  font-weight: 850;
}

.client strong {
  display: block;
  color: var(--navy);
}

.client span {
  color: var(--muted);
  font-size: 0.92rem;
}

.cta-band {
  padding: 46px;
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(7, 26, 49, 0.98), rgba(16, 54, 91, 0.95)),
    url("../images/hero-finance.png") center / cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.cta-band h2 {
  color: var(--white);
  font-size: clamp(1.9rem, 4vw, 2.8rem);
}

.cta-band p {
  max-width: 690px;
  margin: 14px 0 0;
  color: rgba(255, 255, 255, 0.78);
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.page-hero {
  position: relative;
  padding: 112px 0 86px;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(7, 26, 49, 0.94), rgba(7, 26, 49, 0.76)),
    url("../images/hero-finance.png") center / cover no-repeat;
}

.page-hero h1 {
  color: var(--white);
}

.page-hero p {
  max-width: 720px;
  margin: 18px 0 0;
  color: rgba(255, 255, 255, 0.78);
  font-size: 1.1rem;
}

.breadcrumb {
  display: inline-flex;
  gap: 9px;
  margin-bottom: 18px;
  color: var(--gold-2);
  font-size: 0.92rem;
  font-weight: 750;
}

.feature-list,
.check-list,
.doc-list {
  display: grid;
  gap: 10px;
  margin: 20px 0 0;
  list-style: none;
}

.feature-list li,
.check-list li,
.doc-list li {
  position: relative;
  padding-left: 28px;
  color: var(--muted);
}

.feature-list li::before,
.check-list li::before,
.doc-list li::before {
  position: absolute;
  left: 0;
  top: 2px;
  color: var(--gold);
  content: "\2713";
  font-weight: 850;
}

.values-grid,
.achievements-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.team-card {
  overflow: hidden;
}

.team-portrait {
  display: grid;
  min-height: 210px;
  place-items: center;
  color: var(--navy);
  background:
    linear-gradient(145deg, rgba(202, 160, 82, 0.18), rgba(7, 26, 49, 0.08)),
    var(--soft);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 3.2rem;
  font-weight: 800;
}

.team-body {
  padding: 24px;
}

.team-body h3 {
  margin-bottom: 6px;
  font-size: 1.25rem;
}

.team-body span {
  display: block;
  margin-bottom: 12px;
  color: var(--gold);
  font-weight: 750;
}

.achievement {
  padding: 28px;
  text-align: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.achievement strong {
  display: block;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2.15rem;
}

.cert-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.cert {
  padding: 22px;
  color: var(--white);
  background: rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius);
  text-align: center;
  font-weight: 750;
}

.services-detail {
  display: grid;
  gap: 28px;
}

.service-detail {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 26px;
  padding: 32px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.service-detail h2 {
  font-size: 1.75rem;
}

.service-detail h3 {
  margin: 18px 0 10px;
  font-size: 1rem;
  font-family: "Segoe UI", Roboto, Arial, sans-serif;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.detail-columns {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 22px;
}

.mini-faq {
  padding: 18px;
  background: var(--soft);
  border-radius: var(--radius);
}

.mini-faq strong {
  display: block;
  margin-bottom: 6px;
  color: var(--navy);
}

.pricing-toggle {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 8px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  box-shadow: var(--shadow-soft);
}

.toggle-option {
  padding: 9px 16px;
  color: var(--muted);
  border-radius: 999px;
  cursor: pointer;
  font-weight: 750;
}

.toggle-option.active {
  color: var(--navy);
  background: var(--gold);
}

.pricing-head {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: 34px;
  align-items: end;
  margin-bottom: 42px;
}

.billing-card {
  padding: 24px;
  background: var(--white);
  border: 1px solid rgba(202, 160, 82, 0.34);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.billing-card > span {
  display: block;
  margin-bottom: 14px;
  color: var(--navy);
  font-weight: 850;
}

.billing-card p {
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 0.94rem;
}

.price-card {
  position: relative;
  display: flex;
  min-height: 100%;
  flex-direction: column;
  padding: 34px;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.price-card::before {
  position: absolute;
  inset: 0 0 auto;
  height: 5px;
  content: "";
  background: linear-gradient(90deg, var(--gold), rgba(202, 160, 82, 0));
}

.price-card:hover {
  transform: translateY(-7px);
  border-color: rgba(202, 160, 82, 0.5);
  box-shadow: var(--shadow);
}

.price-card.featured {
  border-color: rgba(202, 160, 82, 0.75);
  box-shadow: var(--shadow);
  transform: translateY(-12px);
}

.price-card.featured:hover {
  transform: translateY(-16px);
}

.plan-kicker {
  margin-bottom: 12px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.popular-tag {
  position: absolute;
  top: 18px;
  right: 18px;
  padding: 6px 10px;
  color: var(--navy);
  background: var(--gold);
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 850;
}

.price {
  margin: 24px 0 10px;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 3rem;
  line-height: 1;
}

.price small {
  color: var(--muted);
  font-family: "Segoe UI", Roboto, Arial, sans-serif;
  font-size: 1rem;
}

.price-caption {
  display: block;
  min-height: 42px;
  color: var(--muted);
  font-size: 0.9rem;
}

.plan-meta {
  display: grid;
  gap: 8px;
  margin: 20px 0;
  padding: 16px;
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.plan-meta span {
  color: var(--navy);
  font-size: 0.92rem;
  font-weight: 750;
}

.price-card .btn {
  margin-top: auto;
}

.pricing-assurance {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 28px;
}

.pricing-assurance div {
  padding: 22px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.pricing-assurance strong {
  display: block;
  color: var(--navy);
}

.pricing-assurance span {
  display: block;
  margin-top: 7px;
  color: var(--muted);
  font-size: 0.94rem;
}

.comparison-wrap {
  overflow-x: auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.comparison-table {
  width: 100%;
  min-width: 760px;
  border-collapse: collapse;
}

.comparison-table th,
.comparison-table td {
  padding: 18px 20px;
  border-bottom: 1px solid var(--line);
  text-align: left;
}

.comparison-table thead th {
  color: var(--navy);
  background: var(--soft);
}

.comparison-table td:not(:first-child),
.comparison-table th:not(:first-child) {
  text-align: center;
}

.comparison-table tr:last-child td {
  border-bottom: 0;
}

.pricing-step {
  padding: 28px;
}

.pricing-step h3 {
  margin-bottom: 10px;
  font-size: 1.2rem;
}

.custom-pricing {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 420px;
  gap: 44px;
  align-items: center;
}

.custom-pricing p {
  max-width: 670px;
  color: rgba(255, 255, 255, 0.76);
}

.custom-pricing-card {
  padding: 30px;
  background: rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius);
  box-shadow: 0 22px 60px rgba(0, 0, 0, 0.14);
}

.custom-pricing-card strong {
  display: block;
  margin-bottom: 14px;
  color: var(--white);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
}

.custom-pricing-card .check-list li {
  color: rgba(255, 255, 255, 0.78);
}

.custom-pricing-card .btn {
  width: 100%;
  margin-top: 24px;
}

.hero-contact-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.hero-contact-strip span {
  display: inline-flex;
  min-height: 38px;
  align-items: center;
  padding: 8px 13px;
  color: rgba(255, 255, 255, 0.9);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 999px;
  font-size: 0.9rem;
  font-weight: 750;
}

.contact-overview {
  padding: 58px 0;
}

.quick-contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.quick-contact-card {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.quick-contact-card:hover {
  transform: translateY(-6px);
  border-color: rgba(202, 160, 82, 0.5);
  box-shadow: var(--shadow);
}

.quick-contact-card .icon-box {
  margin: 0;
  flex: 0 0 52px;
}

.quick-contact-card strong {
  display: block;
  color: var(--navy);
}

.quick-contact-card p {
  margin: 5px 0 0;
  color: var(--muted);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 32px;
}

.form-card,
.contact-card {
  padding: 34px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.form-intro,
.contact-note {
  margin: 10px 0 24px;
  color: var(--muted);
}

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

.form-field {
  display: grid;
  gap: 8px;
}

.form-field.full {
  grid-column: 1 / -1;
}

.form-field label {
  color: var(--navy);
  font-weight: 750;
}

.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 13px 14px;
  color: var(--ink);
  background: #fbfcfd;
  border: 1px solid var(--line);
  border-radius: 8px;
  outline: none;
  transition: border-color 0.18s ease, box-shadow 0.18s ease;
}

.form-field textarea {
  min-height: 140px;
  resize: vertical;
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(202, 160, 82, 0.14);
}

.error-text {
  min-height: 18px;
  color: #b42318;
  font-size: 0.86rem;
}

.form-status {
  margin-top: 18px;
  color: var(--navy);
  font-weight: 750;
}

.form-footer {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 4px;
}

.form-footer .btn {
  flex: 0 0 auto;
}

.form-footer span {
  color: var(--muted);
  font-size: 0.9rem;
}

.contact-list {
  display: grid;
  gap: 18px;
  margin-top: 20px;
}

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

.contact-item .icon-box {
  width: 42px;
  height: 42px;
  margin: 0;
  flex: 0 0 42px;
}

.contact-item p {
  margin: 4px 0 0;
  color: var(--muted);
}

.consultation-box {
  margin-top: 24px;
  padding: 22px;
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}

.consultation-box strong {
  display: block;
  color: var(--navy);
}

.consultation-box ol {
  display: grid;
  gap: 9px;
  margin: 12px 0 0;
  padding-left: 20px;
  color: var(--muted);
}

.map-placeholder {
  display: grid;
  min-height: 280px;
  place-items: center;
  margin-top: 24px;
  color: rgba(255, 255, 255, 0.82);
  background:
    linear-gradient(135deg, rgba(7, 26, 49, 0.92), rgba(15, 45, 77, 0.92)),
    url("../images/about-finance.png") center / cover;
  border-radius: var(--radius);
  text-align: center;
}

.map-placeholder strong {
  display: block;
  color: var(--white);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
}

.map-placeholder p {
  margin: 8px 0 4px;
}

.map-placeholder span {
  color: var(--gold-2);
  font-size: 0.9rem;
  font-weight: 750;
}

.contact-promise {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 40px;
  color: var(--white);
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.contact-promise h2 {
  color: var(--white);
  font-size: clamp(1.8rem, 3.5vw, 2.65rem);
}

.contact-promise p {
  max-width: 720px;
  margin: 14px 0 0;
  color: rgba(255, 255, 255, 0.76);
}

.faq-list {
  display: grid;
  gap: 14px;
  max-width: 900px;
  margin: 0 auto;
}

.accordion-item {
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.accordion-button {
  display: flex;
  width: 100%;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  color: var(--navy);
  background: transparent;
  border: 0;
  cursor: pointer;
  text-align: left;
  font-weight: 800;
}

.accordion-button::after {
  width: 26px;
  height: 26px;
  flex: 0 0 26px;
  content: "+";
  display: grid;
  place-items: center;
  color: var(--navy);
  background: rgba(202, 160, 82, 0.18);
  border-radius: 50%;
}

.accordion-button[aria-expanded="true"]::after {
  content: "-";
}

.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.28s ease;
}

.accordion-panel p {
  margin: 0;
  padding: 0 24px 22px;
  color: var(--muted);
}

.blog-card {
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.blog-card:hover {
  transform: translateY(-7px);
  box-shadow: var(--shadow);
}

.blog-media {
  display: grid;
  min-height: 210px;
  place-items: end start;
  padding: 22px;
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(7, 26, 49, 0.2), rgba(7, 26, 49, 0.88)),
    url("../images/blog-finance.png") center / cover;
}

.blog-tag {
  padding: 7px 10px;
  color: var(--navy);
  background: var(--gold);
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 850;
}

.blog-body {
  padding: 26px;
}

.blog-body h3 {
  margin-bottom: 12px;
  font-size: 1.35rem;
}

.blog-meta {
  display: flex;
  gap: 16px;
  margin-top: 18px;
  color: var(--muted);
  font-size: 0.9rem;
}

.legal-content {
  max-width: 900px;
  margin: 0 auto;
  padding: 42px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}

.legal-content h2 {
  margin: 30px 0 12px;
  font-size: 1.55rem;
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content p,
.legal-content li {
  color: var(--muted);
}

.legal-content ul {
  display: grid;
  gap: 8px;
  padding-left: 20px;
}

.site-footer {
  color: rgba(255, 255, 255, 0.78);
  background: #06162a;
}

.footer-main {
  display: grid;
  grid-template-columns: 1.4fr 0.75fr 0.9fr 1fr;
  gap: 36px;
  padding: 70px 0 46px;
}

.footer-main h3,
.footer-main h4 {
  margin-bottom: 18px;
  color: var(--white);
}

.footer-main p {
  margin: 0;
}

.footer-links {
  display: grid;
  gap: 10px;
  list-style: none;
}

.footer-links a {
  transition: color 0.2s ease;
}

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

.social-links {
  display: flex;
  gap: 10px;
  margin-top: 22px;
}

.social-links a {
  display: grid;
  width: 38px;
  height: 38px;
  place-items: center;
  color: var(--white);
  background: rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 50%;
  font-weight: 800;
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 22px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.92rem;
}

.footer-bottom a {
  color: rgba(255, 255, 255, 0.86);
}

.floating-whatsapp,
.back-to-top {
  position: fixed;
  z-index: 900;
  display: grid;
  place-items: center;
  border: 0;
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 14px 32px rgba(7, 26, 49, 0.18);
}

.floating-whatsapp {
  right: 22px;
  bottom: 88px;
  width: 56px;
  height: 56px;
  color: var(--white);
  background: #1fb45b;
  font-weight: 900;
}

.back-to-top {
  right: 24px;
  bottom: 24px;
  width: 48px;
  height: 48px;
  color: var(--navy);
  background: var(--gold);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.back-to-top.is-visible {
  opacity: 1;
  pointer-events: auto;
}

.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}

@media (max-width: 1080px) {
  .nav-menu {
    gap: 18px;
  }

  .hero-grid,
  .split,
  .contact-grid,
  .pricing-head,
  .custom-pricing {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
    padding: 126px 0 76px;
  }

  .hero-panel {
    justify-self: start;
  }

  .grid-4,
  .process,
  .values-grid,
  .pricing-assurance,
  .cert-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .service-detail {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 860px) {
  .nav-toggle {
    display: block;
  }

  .nav-menu {
    position: absolute;
    top: 100%;
    right: 0;
    left: 0;
    z-index: 1001;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    min-height: calc(100vh - 78px);
    padding: 18px 20px 28px;
    overflow-y: auto;
    background: #ffffff;
    border-top: 1px solid var(--line);
    box-shadow: 0 22px 60px rgba(7, 26, 49, 0.16);
  }

  .nav-menu.is-open {
    display: flex;
  }

  .nav-link {
    display: block;
    padding: 16px 0;
    border-bottom: 1px solid var(--line);
  }

  .nav-link::after {
    display: none;
  }

  .nav-actions .btn {
    display: none;
  }

  .section {
    padding: 76px 0;
  }

  .grid-3,
  .quick-contact-grid,
  .why-grid,
  .footer-main {
    grid-template-columns: 1fr 1fr;
  }

  .stats-grid,
  .detail-columns {
    grid-template-columns: 1fr;
  }

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

  .price-card.featured:hover {
    transform: translateY(-7px);
  }

  .custom-pricing-card {
    max-width: 520px;
  }

  .contact-promise,
  .form-footer {
    align-items: stretch;
    flex-direction: column;
  }
}

@media (max-width: 620px) {
  .container {
    width: min(100% - 28px, var(--max));
  }

  .nav-wrap {
    min-height: 70px;
  }

  .nav-menu {
    min-height: calc(100vh - 70px);
  }

  .brand {
    gap: 9px;
    font-size: 0.95rem;
  }

  .brand-mark {
    width: 38px;
    height: 38px;
  }

  .hero {
    padding: 104px 0 62px;
  }

  .hero h1 {
    font-size: clamp(2.7rem, 15vw, 4.1rem);
  }

  .hero-actions,
  .cta-row,
  .footer-bottom {
    align-items: stretch;
    flex-direction: column;
  }

  .btn {
    width: 100%;
  }

  .trust-badge {
    width: 100%;
    justify-content: center;
  }

  .hero-panel,
  .cta-band,
  .form-card,
  .contact-card,
  .legal-content {
    padding: 24px;
  }

  .grid-3,
  .grid-4,
  .pricing-assurance,
  .quick-contact-grid,
  .why-grid,
  .process,
  .values-grid,
  .achievements-grid,
  .cert-row,
  .footer-main,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .page-hero {
    padding: 86px 0 62px;
  }

  .hero-contact-strip span {
    width: 100%;
    justify-content: center;
  }

  .billing-card,
  .pricing-step,
  .custom-pricing-card,
  .contact-promise {
    padding: 24px;
  }

  .pricing-toggle,
  .billing-card .pricing-toggle {
    width: 100%;
    justify-content: center;
  }

  .toggle-option {
    flex: 1;
    text-align: center;
  }

  .service-detail {
    padding: 24px;
  }

  .floating-whatsapp {
    right: 16px;
    bottom: 84px;
    opacity: 0;
    pointer-events: none;
    transform: translateY(8px);
    transition: opacity 0.2s ease, transform 0.2s ease;
  }

  .floating-whatsapp.is-visible {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .back-to-top {
    right: 20px;
    bottom: 22px;
  }
}