/* ============================================================
   Finance Builder Zone - Custom Styles
   Built on Bootstrap 5.3 grid & components
   ============================================================ */

:root {
  --fc-navy-900: #071a31;
  --fc-navy-800: #0a2242;
  --fc-navy-700: #103166;
  --fc-gold: #d4a24c;
  --fc-gold-light: #e9c883;
  --fc-gold-dark: #b6842c;
  --fc-ink: #22314a;
  --fc-muted: #5b6b84;
  --fc-bg: #f4f7fb;
  --fc-border: #e3eaf4;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
  color: var(--fc-ink);
  background: #fff;
  line-height: 1.65;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Sora', 'Inter', sans-serif;
  color: var(--fc-navy-800);
  font-weight: 700;
  line-height: 1.25;
}

section[id] { scroll-margin-top: 88px; }
.text-gold { color: var(--fc-gold) !important; }
.bg-soft { background: var(--fc-bg); }

/* ---------------- Buttons ---------------- */
.btn { font-weight: 600; border-radius: .55rem; padding: .65rem 1.5rem; }
.btn-lg { padding: .8rem 1.9rem; }

.btn-gold {
  background: linear-gradient(135deg, #e2b25f, var(--fc-gold-dark));
  color: #0a1f3c;
  border: 1px solid transparent;
}
.btn-gold:hover, .btn-gold:focus {
  background: linear-gradient(135deg, #ebc57b, #c8963a);
  color: #0a1f3c;
  transform: translateY(-1px);
  box-shadow: 0 10px 22px rgba(212, 162, 76, .35);
}

.btn-navy { background: var(--fc-navy-800); color: #fff; border: 1px solid transparent; }
.btn-navy:hover, .btn-navy:focus { background: var(--fc-navy-700); color: #fff; }

.btn-outline-light { border-color: rgba(255, 255, 255, .55); color: #fff; }
.btn-outline-light:hover { background: #fff; color: var(--fc-navy-800); }

.btn-outline-navy { border: 1.5px solid var(--fc-navy-800); color: var(--fc-navy-800); }
.btn-outline-navy:hover { background: var(--fc-navy-800); color: #fff; }

/* ---------------- Navbar ---------------- */
.site-nav {
  background: var(--fc-navy-900);
  padding: .85rem 0;
  box-shadow: 0 2px 18px rgba(7, 26, 49, .25);
}
.site-nav .navbar-brand {
  font-family: 'Sora', sans-serif;
  font-weight: 800;
  font-size: 1.22rem;
  color: #fff;
  letter-spacing: .2px;
}
.site-nav .navbar-brand:hover { color: #fff; }
.site-nav .nav-link {
  color: rgba(255, 255, 255, .78);
  font-weight: 500;
  font-size: .95rem;
  padding: .5rem .8rem;
  border-radius: .45rem;
}
.site-nav .nav-link:hover { color: #fff; }
.site-nav .nav-link.active { color: var(--fc-gold); }
.brand-mark { display: inline-flex; align-items: center; justify-content: center; }

/* ---------------- Hero (home) ---------------- */
.hero {
  position: relative;
  background:
    radial-gradient(1200px 600px at 85% -10%, rgba(212, 162, 76, .22), transparent 55%),
    linear-gradient(160deg, var(--fc-navy-900) 0%, var(--fc-navy-700) 100%);
  color: #fff;
  padding: 5.5rem 0 6rem;
  overflow: hidden;
}
.hero .eyebrow {
  display: inline-block;
  background: rgba(212, 162, 76, .15);
  border: 1px solid rgba(212, 162, 76, .45);
  color: var(--fc-gold-light);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
  padding: .4rem 1rem;
  border-radius: 2rem;
  margin-bottom: 1.25rem;
}
.hero h1 { color: #fff; font-size: clamp(2rem, 4.2vw, 3.35rem); font-weight: 800; }
.hero .hero-text { color: rgba(255, 255, 255, .85); font-size: 1.06rem; }
.hero-img { border-radius: 1.15rem; box-shadow: 0 30px 60px rgba(4, 15, 32, .45); width: 100%; }

.float-badge {
  position: absolute;
  background: #fff;
  color: var(--fc-navy-800);
  border-radius: .8rem;
  padding: .7rem 1.05rem;
  font-weight: 700;
  font-size: .92rem;
  box-shadow: 0 16px 34px rgba(4, 15, 32, .35);
}
.float-badge small { display: block; font-weight: 500; color: var(--fc-muted); font-size: .78rem; }
.float-badge-1 { top: 8%; left: -3%; }
.float-badge-2 { bottom: 10%; right: -3%; }
@media (max-width: 991.98px) {
  .float-badge-1 { left: 2%; }
  .float-badge-2 { right: 2%; }
}

/* ---------------- Stats band ---------------- */
.stats-band {
  background: linear-gradient(135deg, var(--fc-navy-800), var(--fc-navy-700));
  color: #fff;
  padding: 2.6rem 0;
}
.stat-value { font-family: 'Sora', sans-serif; font-weight: 800; font-size: 2.3rem; color: var(--fc-gold); line-height: 1.1; }
.stat-label { color: rgba(255, 255, 255, .75); font-size: .92rem; margin-top: .3rem; }

/* ---------------- Page hero (inner pages) ---------------- */
.page-hero {
  background:
    radial-gradient(1000px 400px at 90% -20%, rgba(212, 162, 76, .25), transparent 55%),
    linear-gradient(160deg, var(--fc-navy-900), var(--fc-navy-700));
  color: #fff;
  padding: 4rem 0 3.2rem;
}
.page-hero h1 { color: #fff; font-size: clamp(1.9rem, 3.5vw, 2.7rem); }
.page-hero p { color: rgba(255, 255, 255, .8); max-width: 720px; }
.page-hero .crumb { font-size: .88rem; color: rgba(255, 255, 255, .65); }
.page-hero .crumb a { color: var(--fc-gold-light); text-decoration: none; }
.page-hero .crumb a:hover { color: #fff; }

/* ---------------- Sections ---------------- */
.section { padding: 4.75rem 0; }
.section-tag {
  color: var(--fc-gold-dark);
  font-weight: 700;
  font-size: .8rem;
  letter-spacing: .16em;
  text-transform: uppercase;
}
.section-title { font-size: clamp(1.6rem, 3vw, 2.25rem); font-weight: 800; }
.section-sub { color: var(--fc-muted); max-width: 680px; }

/* ---------------- Service cards ---------------- */
.service-card {
  background: #fff;
  border: 1px solid var(--fc-border);
  border-radius: 1rem;
  overflow: hidden;
  transition: transform .25s ease, box-shadow .25s ease;
}
.service-card:hover {
  transform: translateY(-7px);
  box-shadow: 0 22px 44px rgba(10, 34, 66, .14);
  border-color: #d8c9a8;
}
.service-card .card-img-top { border-radius: 0; height: 205px; object-fit: cover; width: 100%; }
.service-card .card-body { padding: 1.5rem 1.5rem 1.6rem; }
.service-card .card-title { font-size: 1.13rem; font-weight: 700; }
.service-card .card-text { color: var(--fc-muted); font-size: .94rem; flex-grow: 1; }

/* ---------------- Feature / info cards ---------------- */
.icon-circle {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  background: rgba(212, 162, 76, .14);
  border: 1px solid rgba(212, 162, 76, .35);
  color: var(--fc-gold-dark);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 auto;
}
.icon-circle svg { width: 26px; height: 26px; }

.feature-card, .step-card, .value-card, .info-card {
  background: #fff;
  border: 1px solid var(--fc-border);
  border-radius: 1rem;
  padding: 1.75rem;
  height: 100%;
}

.step-num {
  font-family: 'Sora', sans-serif;
  font-weight: 800;
  font-size: 2.6rem;
  line-height: 1;
  background: linear-gradient(135deg, #e2b25f, var(--fc-gold-dark));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

/* ---------------- Testimonials ---------------- */
.testimonial-card {
  background: #fff;
  border: 1px solid var(--fc-border);
  border-radius: 1rem;
  padding: 1.8rem;
  height: 100%;
}
.testimonial-card .stars { color: var(--fc-gold); letter-spacing: 2px; }
.testimonial-card .quote { color: var(--fc-ink); font-size: .98rem; }
.testimonial-card .who { font-size: .9rem; color: var(--fc-muted); }

/* ---------------- CTA band ---------------- */
.cta-band {
  background:
    radial-gradient(700px 300px at 100% 0%, rgba(212, 162, 76, .25), transparent 60%),
    linear-gradient(135deg, var(--fc-navy-800), #15407e);
  border-radius: 1.4rem;
  color: #fff;
  padding: 3rem 2.5rem;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255, 255, 255, .82); }

/* ---------------- Forms (simple, no placeholders) ---------------- */
.form-label { font-weight: 600; font-size: .88rem; color: var(--fc-navy-800); }
.form-control {
  border: 1.5px solid #d5e0ef;
  border-radius: .55rem;
  padding: .7rem .95rem;
  font-size: .95rem;
  background: #fff;
}
.form-control:focus {
  border-color: var(--fc-gold-dark);
  box-shadow: 0 0 0 .22rem rgba(212, 162, 76, .22);
}
textarea.form-control { min-height: 130px; }
.form-card {
  background: #fff;
  border: 1px solid var(--fc-border);
  border-radius: 1.15rem;
  padding: 2.2rem;
  box-shadow: 0 14px 34px rgba(10, 34, 66, .07);
}

/* ---------------- Footer ---------------- */
.site-footer {
  background: var(--fc-navy-900);
  color: #9fb0c9;
  padding: 4rem 0 0;
  font-size: .93rem;
}
.site-footer h6 { color: #fff; font-size: 1rem; margin-bottom: 1.1rem; }
.site-footer a { color: #9fb0c9; text-decoration: none; }
.site-footer a:hover { color: var(--fc-gold); }
.site-footer .footer-links { list-style: none; padding: 0; margin: 0; }
.site-footer .footer-links li { margin-bottom: .55rem; }
.site-footer .disclaimer { font-size: .8rem; color: #6e83a3; }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .09);
  margin-top: 3rem;
  padding: 1.25rem 0;
  color: #7e92af;
  font-size: .85rem;
}

/* ---------------- Blog ---------------- */
.blog-card {
  background: #fff;
  border: 1px solid var(--fc-border);
  border-radius: 1rem;
  overflow: hidden;
  transition: transform .25s ease, box-shadow .25s ease;
  height: 100%;
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 40px rgba(10, 34, 66, .13);
}
.blog-card img { height: 200px; object-fit: cover; width: 100%; }
.blog-card .card-body { padding: 1.5rem; display: flex; flex-direction: column; }
.blog-meta { font-size: .82rem; color: var(--fc-muted); }
.cat-badge {
  background: rgba(212, 162, 76, .15);
  color: var(--fc-gold-dark);
  font-size: .75rem;
  font-weight: 700;
  padding: .28rem .75rem;
  border-radius: 2rem;
  text-decoration: none;
}
.cat-badge:hover { background: rgba(212, 162, 76, .3); color: var(--fc-gold-dark); }

/* ---------------- Article pages ---------------- */
.article-body { max-width: 760px; }
.article-body h2 { font-size: 1.35rem; margin-top: 2rem; }
.article-body p { color: #3c4c66; }
.article-body blockquote {
  border-left: 4px solid var(--fc-gold);
  background: var(--fc-bg);
  padding: 1.1rem 1.4rem;
  border-radius: .6rem;
  color: var(--fc-navy-800);
  font-weight: 500;
}

/* ---------------- Service detail rows ---------------- */
.service-detail-img {
  width: 100%;
  height: 100%;
  min-height: 300px;
  object-fit: cover;
  border-radius: 1.15rem;
}

/* ---------------- Policy pages ---------------- */
.policy h2 { font-size: 1.25rem; margin-top: 2.2rem; }
.policy p, .policy li { color: #41526c; }
.policy .updated { font-size: .85rem; color: var(--fc-muted); }

/* ---------------- FAQ accordion ---------------- */
.accordion-item {
  border: 1px solid var(--fc-border) !important;
  border-radius: .8rem !important;
  margin-bottom: .9rem;
  overflow: hidden;
}
.accordion-button { font-weight: 600; color: var(--fc-navy-800); padding: 1.05rem 1.25rem; }
.accordion-button:not(.collapsed) {
  background: rgba(212, 162, 76, .1);
  color: var(--fc-navy-800);
  box-shadow: none;
}
.accordion-button:focus { box-shadow: none; border-color: rgba(212, 162, 76, .5); }
.accordion-body { color: var(--fc-muted); }

/* ---------------- Checklists ---------------- */
.check-list { list-style: none; padding: 0; }
.check-list li {
  padding-left: 1.9rem;
  position: relative;
  margin-bottom: .6rem;
  color: #41526c;
}
.check-list li svg {
  position: absolute;
  left: 0;
  top: .3rem;
}


.blog-content {
  text-align: justify;
}