:root {
  --navy:    #0B1F4B;
  --blue:    #1A4B9C;
  --sky:     #2E7CF6;
  --gold:    #C9922A;
  --gold-lt: #F5C869;
  --cream:   #FAF8F3;
  --slate:   #4A5568;
  --light:   #EEF3FB;
  --white:   #FFFFFF;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white);
  color: var(--navy);
  overflow-x: hidden;
}

h1,h2,h3,.display-1,.display-2,.display-3,.display-4,.display-5,.display-6 {
  font-family: 'Playfair Display', serif;
}

/* ── NAVBAR ── */
.navbar {
  background: var(--navy) !important;
  padding: 0 2rem;
  border-bottom: 3px solid var(--gold);
  position: sticky;
  top: 0;
  z-index: 9999;
}
.navbar-brand {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 900;
  color: var(--white) !important;
  letter-spacing: -.5px;
}
.navbar-brand span { color: var(--gold-lt); }
.nav-link {
  color: rgba(255,255,255,.75) !important;
  font-size: .85rem;
  font-weight: 500;
  letter-spacing: .4px;
  padding: 1.2rem .9rem !important;
  transition: color .2s;
  position: relative;
}
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0; left: .9rem; right: .9rem;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .25s;
}
.nav-link:hover { color: var(--white) !important; }
.nav-link:hover::after, .nav-link.active::after { transform: scaleX(1); }
.nav-link.active { color: var(--white) !important; }
.btn-apply-nav {
  background: var(--gold);
  color: var(--navy) !important;
  font-weight: 700;
  border-radius: 4px;
  padding: .45rem 1.2rem !important;
  font-size: .82rem;
  letter-spacing: .5px;
  text-transform: uppercase;
  margin-left: .5rem;
  transition: background .2s, transform .15s;
}
.btn-apply-nav:hover { background: var(--gold-lt); transform: translateY(-1px); }
.navbar-toggler { border-color: rgba(255,255,255,.3); }
.navbar-toggler-icon { filter: invert(1); }

/* ── PAGE SECTIONS ── */
.page-section { display: none; }
.page-section.active { display: block; }

/* ── HERO ── */
.hero {
  position: relative;
  min-height: 92vh;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(135deg, rgba(11,31,75,.85) 0%, rgba(26,75,156,.75) 50%, rgba(46,124,246,.45) 100%);
}
.hero .carousel-inner,
.hero .carousel-item {
  min-height: 92vh;
}
.carousel-item {
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  position: relative;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 2;
  background: radial-gradient(circle at 25% 25%, rgba(255,255,255,.08), transparent 35%), rgba(11,31,75,.32);
}


/* ── HERO CONTROLS ── */
.carousel-control-prev,
.carousel-control-next {
  width: 5%;
  opacity: .8;
}
.carousel-control-prev:hover,
.carousel-control-next:hover {
  opacity: 1;
}
.carousel-indicators {
  bottom: 1.6rem;
}
.carousel-indicators button {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background-color: rgba(255,255,255,.5);
  border: 2px solid rgba(255,255,255,.8);
}
.carousel-indicators .active {
  background-color: var(--gold);
  border-color: var(--gold-lt);
}
.hero-badge {
  display: inline-block;
  background: rgba(201,146,42,.15);
  border: 1px solid rgba(201,146,42,.4);
  color: var(--gold-lt);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: .4rem 1rem;
  border-radius: 3px;
  margin-bottom: 1.5rem;
  animation: fadeDown .6s ease both;
}
.hero h1 {
  font-size: clamp(2.2rem, 5vw, 4rem);
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 1.25rem;
  animation: fadeUp .7s .1s ease both;
}
.hero h1 em { color: var(--gold-lt); font-style: normal; }
.hero p.lead {
  color: rgba(255,255,255,.72);
  font-size: 1.1rem;
  line-height: 1.7;
  max-width: 520px;
  margin-bottom: 2rem;
  animation: fadeUp .7s .2s ease both;
}
.hero-btns { animation: fadeUp .7s .3s ease both; }
.btn-primary-hero {
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: .95rem;
  padding: .9rem 2rem;
  border: none;
  border-radius: 5px;
  letter-spacing: .3px;
  transition: background .2s, transform .15s, box-shadow .2s;
  cursor: pointer;
  display: inline-block;
  text-decoration: none;
}
.btn-primary-hero:hover { background: var(--gold-lt); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,146,42,.35); color: var(--navy); }
.btn-outline-hero {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,.4);
  font-weight: 500;
  font-size: .95rem;
  padding: .9rem 2rem;
  border-radius: 5px;
  transition: background .2s, border-color .2s;
  cursor: pointer;
  display: inline-block;
  text-decoration: none;
}
.btn-outline-hero:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.7); color: var(--white); }
.hero-visual {
  position: relative;
  animation: fadeUp .8s .4s ease both;
}
.hero-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  backdrop-filter: blur(12px);
  border-radius: 16px;
  padding: 2rem;
  color: var(--white);
}
.hero-stat { text-align: center; padding: 1rem .5rem; }
.hero-stat .val {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 900;
  color: var(--gold-lt);
  display: block;
}
.hero-stat .lbl { font-size: .75rem; color: rgba(255,255,255,.6); letter-spacing: .5px; }

/* ── TRUST BAR ── */
.trust-bar {
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 1.2rem 0;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: .6rem;
  color: rgba(255,255,255,.8);
  font-size: .85rem;
  font-weight: 500;
}
.trust-item i { color: var(--gold); font-size: 1.1rem; }

/* ── SECTION LABELS ── */
.section-eyebrow {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--sky);
  margin-bottom: .5rem;
  display: block;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  color: var(--navy);
  line-height: 1.15;
  margin-bottom: 1rem;
}
.section-subtitle {
  color: var(--slate);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 560px;
}

/* ── SERVICE CARDS ── */
.service-card {
  border: 1.5px solid #E2E8F0;
  border-radius: 12px;
  padding: 2rem 1.75rem;
  height: 100%;
  transition: transform .25s, border-color .25s, box-shadow .25s;
  background: var(--white);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--sky));
  transform: scaleX(0);
  transition: transform .25s;
  transform-origin: left;
}
.service-card:hover { transform: translateY(-5px); border-color: var(--sky); box-shadow: 0 12px 36px rgba(26,75,156,.12); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 52px; height: 52px;
  background: var(--light);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.4rem;
  color: var(--blue);
  transition: background .25s, color .25s;
}
.service-card:hover .service-icon { background: var(--blue); color: var(--white); }
.service-card h5 { font-family: 'Playfair Display', serif; font-size: 1.1rem; color: var(--navy); margin-bottom: .5rem; }
.service-card p { font-size: .88rem; color: var(--slate); line-height: 1.6; margin-bottom: 1rem; }
.service-link { font-size: .85rem; font-weight: 600; color: var(--sky); text-decoration: none; display: flex; align-items: center; gap: .3rem; }
.service-link i { transition: transform .2s; }
.service-card:hover .service-link i { transform: translateX(4px); }

/* LOAN SHOWCASE */
.loan-showcase-section {
  background: linear-gradient(180deg, var(--white) 0%, var(--light) 100%);
}
.loan-showcase-note {
  color: var(--slate);
  font-size: .9rem;
  line-height: 1.7;
  border-left: 3px solid var(--gold);
  padding-left: 1rem;
}
.loan-card {
  display: block;
  height: 100%;
  background: var(--white);
  border: 1.5px solid #E2E8F0;
  border-radius: 12px;
  color: inherit;
  overflow: hidden;
  text-decoration: none;
  transition: transform .25s, border-color .25s, box-shadow .25s;
}
.loan-card:hover {
  border-color: var(--sky);
  box-shadow: 0 14px 36px rgba(26,75,156,.14);
  color: inherit;
  transform: translateY(-5px);
}
.loan-card-media {
  aspect-ratio: 16 / 9;
  background: var(--light);
  position: relative;
  overflow: hidden;
}
.loan-card-media::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(11,31,75,0) 30%, rgba(11,31,75,.72) 100%);
}
.loan-card-media img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  transition: transform .3s;
}
.loan-card:hover .loan-card-media img { transform: scale(1.05); }
.loan-card-media span {
  position: absolute;
  left: 1rem;
  bottom: 1rem;
  z-index: 1;
  background: rgba(255,255,255,.92);
  color: var(--blue);
  border-radius: 999px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: 1px;
  line-height: 1;
  padding: .45rem .8rem;
  text-transform: uppercase;
}
.loan-card-body {
  padding: 1.4rem;
}
.loan-card-body h5 {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: .55rem;
}
.loan-card-body p {
  color: var(--slate);
  font-size: .88rem;
  line-height: 1.6;
  margin-bottom: 1rem;
}
.loan-card-link {
  color: var(--sky);
  display: flex;
  align-items: center;
  gap: .35rem;
  font-size: .85rem;
  font-weight: 700;
}
.loan-card-link i { transition: transform .2s; }
.loan-card:hover .loan-card-link i { transform: translateX(4px); }

/* LOAN DETAIL PAGE */
.loan-detail-hero {
  padding: 4.5rem 0;
}
.loan-hero-panel {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 14px;
  overflow: hidden;
}
.loan-hero-panel img {
  width: 100%;
  aspect-ratio: 4 / 3;
  display: block;
  object-fit: cover;
}
.loan-detail-stat {
  background: var(--white);
  height: 100%;
}
.detail-panel {
  background: var(--white);
  border: 1.5px solid #E2E8F0;
  border-radius: 12px;
  padding: 1.6rem;
  height: 100%;
}
.detail-panel h3,
.detail-panel h5 {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
}
.detail-panel h3 {
  font-size: 1.35rem;
  margin-bottom: .75rem;
}
.detail-panel h5 {
  font-size: 1.05rem;
  margin-bottom: .75rem;
}
.detail-panel p {
  color: var(--slate);
  font-size: .92rem;
  line-height: 1.7;
}
.related-loan-card {
  display: block;
  height: 100%;
  color: inherit;
  text-decoration: none;
  background: var(--white);
  border: 1.5px solid #E2E8F0;
  border-radius: 12px;
  padding: 1.4rem;
  transition: transform .2s, border-color .2s, box-shadow .2s;
}
.related-loan-card:hover {
  color: inherit;
  border-color: var(--sky);
  box-shadow: 0 8px 26px rgba(26,75,156,.1);
  transform: translateY(-3px);
}
.related-loan-card span {
  color: var(--sky);
  display: block;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: 1px;
  margin-bottom: .6rem;
  text-transform: uppercase;
}
.related-loan-card h6 {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  font-size: 1rem;
}
.related-loan-card p {
  color: var(--slate);
  font-size: .84rem;
  line-height: 1.55;
}
.related-loan-card div {
  color: var(--sky);
  font-size: .84rem;
  font-weight: 700;
}

/* ── STEPS ── */
.step-item { display: flex; gap: 1.25rem; align-items: flex-start; }
.step-num {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--blue);
  color: var(--white);
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 14px rgba(26,75,156,.3);
}
.step-content h6 { font-weight: 700; font-size: .95rem; color: var(--navy); margin-bottom: .25rem; }
.step-content p { font-size: .88rem; color: var(--slate); margin: 0; line-height: 1.6; }
.step-connector {
  width: 2px; height: 28px;
  background: linear-gradient(to bottom, var(--blue), transparent);
  margin-left: 21px;
}

/* ── WHY SECTION ── */
.why-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.25rem;
  border-radius: 10px;
  transition: background .2s;
}
.why-item:hover { background: var(--light); }
.why-icon {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--blue), var(--sky));
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  color: var(--white);
  flex-shrink: 0;
}
.why-item h6 { font-weight: 700; font-size: .93rem; margin-bottom: .2rem; color: var(--navy); }
.why-item p { font-size: .85rem; color: var(--slate); margin: 0; }

/* ── TESTIMONIAL ── */
.testimonial-card {
  background: var(--cream);
  border-radius: 14px;
  padding: 2rem;
  border-left: 4px solid var(--gold);
  height: 100%;
  position: relative;
}
.testimonial-card::before {
  content: '"';
  font-family: 'Playfair Display', serif;
  font-size: 5rem;
  color: var(--gold);
  opacity: .2;
  position: absolute;
  top: .5rem; left: 1.5rem;
  line-height: 1;
}
.testimonial-card p { font-size: .93rem; line-height: 1.7; color: var(--slate); font-style: italic; position: relative; z-index: 1; }
.testimonial-card .author { font-weight: 700; font-size: .85rem; color: var(--navy); margin-top: 1rem; }
.testimonial-card .loan-type { font-size: .78rem; color: var(--sky); font-weight: 600; }

/* ── INTERIOR PAGE HERO ── */
.inner-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a8a 100%);
  padding: 5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.inner-hero::after {
  content: '';
  position: absolute;
  right: -5%;
  top: -20%;
  width: 50%;
  height: 150%;
  background: radial-gradient(ellipse, rgba(46,124,246,.15) 0%, transparent 70%);
  pointer-events: none;
}
.inner-hero .breadcrumb-item, .inner-hero .breadcrumb-item a { color: rgba(255,255,255,.5); font-size: .8rem; text-decoration: none; }
.inner-hero .breadcrumb-item.active { color: var(--gold-lt); }
.inner-hero h1 { color: var(--white); margin-bottom: .75rem; }
.inner-hero p.lead { color: rgba(255,255,255,.7); max-width: 640px; }
.inner-hero .hero-tag {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  color: var(--gold-lt);
  font-size: .78rem;
  padding: .35rem .9rem;
  border-radius: 30px;
  margin-bottom: 1.25rem;
  font-weight: 600;
  letter-spacing: .5px;
}

/* ── PRODUCT CARDS ── */
.product-card {
  background: var(--white);
  border: 1.5px solid #E2E8F0;
  border-radius: 12px;
  padding: 1.75rem;
  height: 100%;
  transition: box-shadow .25s, border-color .25s;
}
.product-card:hover { box-shadow: 0 8px 28px rgba(26,75,156,.1); border-color: var(--sky); }
.product-card .tag {
  display: inline-block;
  background: var(--light);
  color: var(--blue);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: .25rem .75rem;
  border-radius: 3px;
  margin-bottom: 1rem;
}
.product-card h6 { font-family: 'Playfair Display', serif; font-size: 1rem; color: var(--navy); margin-bottom: .5rem; }
.product-card p { font-size: .85rem; color: var(--slate); margin-bottom: .75rem; line-height: 1.6; }
.product-detail { font-size: .8rem; color: var(--sky); font-weight: 600; }

/* Product cards as links */
a.product-card { color: inherit; }
a.product-card:visited { color: inherit; }
a.product-card h6, a.product-card:hover h6 { color: var(--navy); }
a.product-card p, a.product-card:hover p { color: var(--slate); }

/* ── PROCESS TIMELINE ── */
.process-step {
  display: flex;
  gap: 1.5rem;
  position: relative;
  padding-bottom: 2rem;
}
.process-step:not(:last-child)::before {
  content: '';
  position: absolute;
  left: 23px;
  top: 48px;
  bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--blue) 0%, transparent 100%);
}
.process-step-num {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--blue), var(--sky));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
  box-shadow: 0 4px 14px rgba(26,75,156,.3);
}
.process-step-body h6 { font-weight: 700; font-size: .95rem; color: var(--navy); margin-bottom: .3rem; }
.process-step-body p { font-size: .87rem; color: var(--slate); margin: 0; line-height: 1.6; }

/* ── FAQ ── */
.faq-item {
  border-bottom: 1px solid #E2E8F0;
  padding: 1.1rem 0;
}
.faq-q {
  font-weight: 700;
  font-size: .93rem;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq-q i { font-size: .85rem; color: var(--sky); transition: transform .2s; flex-shrink: 0; }
.faq-a { font-size: .87rem; color: var(--slate); line-height: 1.7; padding-top: .6rem; display: none; }
.faq-item.open .faq-a { display: block; }
.faq-item.open .faq-q i { transform: rotate(45deg); }

/* ── ELIGIBILITY / FEATURE LIST ── */
.check-list li {
  list-style: none;
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  padding: .55rem 0;
  font-size: .9rem;
  color: var(--slate);
  border-bottom: 1px dashed #E8EDF5;
}
.check-list li:last-child { border: none; }
.check-list li i { color: #22C55E; margin-top: .15rem; flex-shrink: 0; }

/* ── STAT PILLS ── */
.stat-pill {
  background: var(--light);
  border: 1px solid rgba(26,75,156,.12);
  border-radius: 10px;
  padding: 1.25rem 1rem;
  text-align: center;
}
.stat-pill .val {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 900;
  color: var(--navy);
  display: block;
}
.stat-pill .lbl { font-size: .75rem; color: var(--slate); }

/* ── ALERT / NOTICE ── */
.notice-box {
  background: #FFFBEA;
  border-left: 4px solid var(--gold);
  border-radius: 0 8px 8px 0;
  padding: 1.1rem 1.5rem;
  font-size: .87rem;
  color: #6B4E0A;
  line-height: 1.65;
}
.notice-box i { color: var(--gold); margin-right: .4rem; }

/* ── MISSION BOX ── */
.mission-box {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a8a 100%);
  border-radius: 16px;
  padding: 3rem;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.mission-box::before {
  content: '"';
  font-family: 'Playfair Display', serif;
  font-size: 14rem;
  color: rgba(255,255,255,.04);
  position: absolute;
  top: -2rem;
  left: 1rem;
  line-height: 1;
  pointer-events: none;
}
.mission-box p {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1rem, 2vw, 1.35rem);
  font-style: italic;
  line-height: 1.7;
  position: relative;
  z-index: 1;
  color: rgba(255,255,255,.9);
}
.mission-box .attr { color: var(--gold-lt); font-size: .85rem; font-family: 'DM Sans', sans-serif; font-weight: 600; margin-top: 1rem; }

/* ── CERT BADGES ── */
.cert-badge {
  display: flex;
  align-items: center;
  gap: .75rem;
  background: var(--light);
  border-radius: 8px;
  padding: .85rem 1rem;
  border: 1px solid rgba(26,75,156,.1);
  font-size: .83rem;
  font-weight: 600;
  color: var(--navy);
}
.cert-badge i { font-size: 1.3rem; color: var(--blue); flex-shrink: 0; }

/* ── CONTACT ── */
.contact-channel {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem;
  border: 1.5px solid #E2E8F0;
  border-radius: 10px;
  transition: border-color .2s, box-shadow .2s;
}
.contact-channel:hover { border-color: var(--sky); box-shadow: 0 4px 16px rgba(26,75,156,.08); }
.contact-ch-icon {
  width: 44px; height: 44px;
  background: var(--light);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  color: var(--blue);
  flex-shrink: 0;
}
.contact-channel h6 { font-weight: 700; font-size: .9rem; color: var(--navy); margin-bottom: .2rem; }
.contact-channel p { font-size: .83rem; color: var(--slate); margin: 0; }

/* ── FORM ── */
.bp-form .form-control, .bp-form .form-select {
  border: 1.5px solid #D1D9E6;
  border-radius: 7px;
  padding: .7rem 1rem;
  font-size: .9rem;
  color: var(--navy);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
}
.bp-form .form-control:focus, .bp-form .form-select:focus {
  border-color: var(--sky);
  box-shadow: 0 0 0 3px rgba(46,124,246,.12);
  outline: none;
}
.bp-form label { font-size: .83rem; font-weight: 600; color: var(--navy); margin-bottom: .35rem; }

/* ── ABOUT PAGE ── */
.value-item {
  padding: 1.5rem;
  border-radius: 10px;
  background: var(--white);
  border: 1.5px solid #E2E8F0;
  height: 100%;
  transition: box-shadow .2s;
}
.value-item:hover { box-shadow: 0 6px 20px rgba(26,75,156,.09); }
.value-item .vi-icon {
  font-size: 1.6rem;
  color: var(--gold);
  margin-bottom: .75rem;
}
.value-item h6 { font-family: 'Playfair Display', serif; font-weight: 700; margin-bottom: .4rem; color: var(--navy); }
.value-item p { font-size: .85rem; color: var(--slate); margin: 0; line-height: 1.6; }
.team-card {
  background: var(--cream);
  border-radius: 12px;
  padding: 1.75rem;
  text-align: center;
  border: 1.5px solid #E2E8F0;
  transition: box-shadow .25s;
}
.team-card:hover { box-shadow: 0 8px 24px rgba(26,75,156,.12); }
.team-avatar {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--sky));
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--white);
  margin: 0 auto 1rem;
}
.team-card h6 { font-family: 'Playfair Display', serif; font-size: 1rem; margin-bottom: .15rem; color: var(--navy); }
.team-card .role { font-size: .78rem; color: var(--sky); font-weight: 700; text-transform: uppercase; letter-spacing: .5px; }
.team-card p { font-size: .82rem; color: var(--slate); margin-top: .7rem; line-height: 1.5; }

/* ── RESOURCES ── */
.resource-card {
  background: var(--white);
  border: 1.5px solid #E2E8F0;
  border-radius: 10px;
  padding: 1.5rem;
  height: 100%;
  transition: box-shadow .2s, border-color .2s;
  cursor: pointer;
}
.resource-card:hover { box-shadow: 0 6px 20px rgba(26,75,156,.1); border-color: var(--sky); }
.resource-card .rc-icon {
  font-size: 1.8rem;
  color: var(--blue);
  margin-bottom: .75rem;
}
.resource-card h6 { font-family: 'Playfair Display', serif; font-size: .98rem; color: var(--navy); margin-bottom: .4rem; }
.resource-card p { font-size: .83rem; color: var(--slate); margin: 0; line-height: 1.5; }
.calc-card {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a8a 100%);
  border-radius: 12px;
  padding: 1.75rem;
  color: var(--white);
  text-align: center;
  height: 100%;
  transition: transform .2s;
}
.calc-card:hover { transform: translateY(-3px); }
.calc-card i { font-size: 2rem; color: var(--gold-lt); margin-bottom: .75rem; display: block; }
.calc-card h6 { font-family: 'Playfair Display', serif; color: var(--white); margin-bottom: .4rem; }
.calc-card p { font-size: .82rem; color: rgba(255,255,255,.6); margin: 0; }
.article-card {
  display: flex;
  gap: 1rem;
  padding: .85rem 0;
  border-bottom: 1px solid #EEF2F8;
  align-items: flex-start;
  cursor: pointer;
  transition: background .15s;
}
.article-card:last-child { border: none; }
.article-num {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 900;
  color: #D1D9E6;
  min-width: 2rem;
  line-height: 1;
}
.article-card h6 { font-size: .88rem; font-weight: 700; color: var(--navy); margin-bottom: .2rem; line-height: 1.4; }
.article-card p { font-size: .78rem; color: var(--slate); margin: 0; }

/* ── FOOTER ── */
footer {
  background: var(--navy);
  border-top: 3px solid var(--gold);
  padding: 4rem 0 0;
  color: rgba(255,255,255,.65);
}
footer h6 {
  font-family: 'Playfair Display', serif;
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 1.25rem;
  padding-bottom: .5rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
footer a {
  color: rgba(255,255,255,.55);
  text-decoration: none;
  font-size: .85rem;
  display: block;
  margin-bottom: .45rem;
  transition: color .2s;
}
footer a:hover { color: var(--gold-lt); }
footer .footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 1.25rem 0;
  margin-top: 3rem;
  font-size: .78rem;
  color: rgba(255,255,255,.35);
}
footer .footer-brand {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 900;
  color: var(--white);
}
footer .footer-brand span { color: var(--gold-lt); }

/* ── BUTTONS ── */
.btn-bp-primary {
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  border: none;
  padding: .75rem 1.75rem;
  border-radius: 6px;
  font-size: .9rem;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  transition: background .2s, transform .15s;
}
.btn-bp-primary:hover { background: var(--gold-lt); color: var(--navy); transform: translateY(-2px); }
.btn-bp-outline {
  background: transparent;
  color: var(--navy);
  font-weight: 600;
  border: 1.5px solid var(--navy);
  padding: .75rem 1.75rem;
  border-radius: 6px;
  font-size: .9rem;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  transition: background .2s, color .2s;
}
.btn-bp-outline:hover { background: var(--navy); color: var(--white); }
.btn-bp-outline-white {
  background: transparent;
  color: var(--white);
  font-weight: 600;
  border: 1.5px solid rgba(255,255,255,.5);
  padding: .75rem 1.75rem;
  border-radius: 6px;
  font-size: .9rem;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
  transition: background .2s, border-color .2s;
}
.btn-bp-outline-white:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.8); color: var(--white); }

/* ── DIVIDER ── */
.gold-divider { width: 60px; height: 3px; background: var(--gold); border-radius: 2px; margin-bottom: 1.5rem; }
.wide-divider { width: 100%; height: 1px; background: #E2E8F0; margin: 3rem 0; }

/* ── ANIMATIONS ── */
@keyframes fadeUp { from { opacity:0; transform:translateY(24px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeDown { from { opacity:0; transform:translateY(-12px); } to { opacity:1; transform:translateY(0); } }

/* ── BG VARIANTS ── */
.bg-cream { background: var(--cream); }
.bg-light-blue { background: var(--light); }
.bg-navy { background: var(--navy); }
.text-gold { color: var(--gold) !important; }
.text-sky { color: var(--sky) !important; }
.text-navy { color: var(--navy) !important; }
.text-slate { color: var(--slate) !important; }

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--gold) 0%, #e8a530 100%);
  padding: 4rem 0;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23000000' fill-opacity='0.04'%3E%3Cpath d='M20 20.5V18H0v5h5v5H0v5h20v-5h-5v-5h5v-5H20zm0 0v-2h5v-5h5v5h5v5H20v2h-5v-5h5v5H20v-2z'/%3E%3C/g%3E%3C/svg%3E");
}
.cta-band h2 { font-family: 'Playfair Display', serif; color: var(--navy); position: relative; z-index:1; }
.cta-band p { color: rgba(11,31,75,.7); font-size: 1rem; position: relative; z-index:1; }

/* ── RESPONSIVE ── */
@media (max-width: 768px) {
  .hero { min-height: 100vh; padding: 0; }
  .hero .carousel-inner,
  .hero .carousel-item {
    min-height: 100vh;
  }
  .hero-card { display: none; }
  .inner-hero { padding: 3.5rem 0 2.5rem; }
}