/* ============ CORE ============ */
* {
    box-sizing: border-box
}

html {
    scroll-behavior: smooth
}

body {
    font-family: 'Inter', sans-serif;
    background: #eef0f4;
    color: #2a2430;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    margin: 0;
}

h1,
h2,
h3,
h4,
h5 {
    font-family: 'Cormorant Garamond', serif;
    font-weight: 700;
    letter-spacing: -.02em;
    margin: 0;
}

/* ============ NEUMORPHIC THEME ENGINE ============ */
[class*="theme-"] {
    background: var(--bg);
    color: var(--txt);
    --out: 10px 10px 22px var(--dk), -10px -10px 22px var(--lt);
    --out-sm: 6px 6px 13px var(--dk), -6px -6px 13px var(--lt);
    --out-xs: 4px 4px 8px var(--dk), -4px -4px 8px var(--lt);
    --out-lg: 18px 18px 40px var(--dk), -18px -18px 40px var(--lt);
    --in: inset 6px 6px 12px var(--dk), inset -6px -6px 12px var(--lt);
    --in-sm: inset 4px 4px 8px var(--dk), inset -4px -4px 8px var(--lt);
    --in-deep: inset 10px 10px 20px var(--dk), inset -10px -10px 20px var(--lt);
}

.theme-rose {
    --bg: #f3e9ee;
    --dk: #d2c1ca;
    --lt: #ffffff;
    --accent: #e84a8a;
    --accent2: #b81a4a;
    --txt: #2d2029;
    --muted: #7c6b75
}

.theme-mint {
    --bg: #e7efe9;
    --dk: #c5d0c7;
    --lt: #ffffff;
    --accent: #2f9e7d;
    --accent2: #1d6f57;
    --txt: #1f2a25;
    --muted: #657268
}

.theme-lav {
    --bg: #ecebf6;
    --dk: #c9c7d7;
    --lt: #ffffff;
    --accent: #6c5ce7;
    --accent2: #4a3bbd;
    --txt: #242235;
    --muted: #6c6a85
}

.theme-peach {
    --bg: #f7ece2;
    --dk: #dcccbd;
    --lt: #ffffff;
    --accent: #e2703a;
    --accent2: #b14c1e;
    --txt: #2e2419;
    --muted: #7d6e60
}

.theme-ink {
    --bg: #242231;
    --dk: #17161f;
    --lt: #312e42;
    --accent: #ff8db8;
    --accent2: #ffb3d0;
    --txt: #f3eef5;
    --muted: #a49cb3
}

.theme-sky {
    --bg: #e6eef6;
    --dk: #c3cdd9;
    --lt: #ffffff;
    --accent: #2f7fd1;
    --accent2: #1a5a9e;
    --txt: #1c2733;
    --muted: #64717f
}

.theme-lilac {
    --bg: #f1e9f6;
    --dk: #d2c5da;
    --lt: #ffffff;
    --accent: #9b51c9;
    --accent2: #6f2f9a;
    --txt: #2b2032;
    --muted: #75687e
}

.theme-gold {
    --bg: #f5efe1;
    --dk: #d9d0bb;
    --lt: #ffffff;
    --accent: #c08a24;
    --accent2: #8f6510;
    --txt: #2d2718;
    --muted: #786f5c
}

section {
    padding: 110px 0;
    position: relative
}

/* Soft blocks */
.nm {
    background: var(--bg);
    box-shadow: var(--out);
    border-radius: 28px
}

.nm-sm {
    background: var(--bg);
    box-shadow: var(--out-sm);
    border-radius: 20px
}

.nm-in {
    background: var(--bg);
    box-shadow: var(--in);
    border-radius: 24px
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-size: .68rem;
    font-weight: 800;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--accent2);
    background: var(--bg);
    box-shadow: var(--out-xs);
    padding: 9px 18px;
    border-radius: 40px;
}

.eyebrow i {
    color: var(--accent)
}

.sec-title {
    font-size: clamp(2.2rem, 4.4vw, 3.4rem);
    line-height: 1.02;
    margin: 20px 0 12px
}

.sec-title em {
    font-style: italic;
    color: var(--accent2)
}

.lead-p {
    color: var(--muted);
    line-height: 1.75;
    font-size: .98rem
}

/* Buttons */
.nbtn {
    border: none;
    background: var(--bg);
    color: var(--accent2);
    box-shadow: var(--out-sm);
    border-radius: 50px;
    padding: 14px 30px;
    font-weight: 700;
    font-size: .9rem;
    display: inline-flex;
    align-items: center;
    gap: 9px;
    transition: .25s;
    cursor: pointer;
    text-decoration: none;
}

.nbtn:hover {
    box-shadow: var(--in-sm);
    color: var(--accent2);
    transform: translateY(1px)
}

.nbtn-fill {
    background: linear-gradient(135deg, var(--accent), var(--accent2));
    color: #fff !important;
    box-shadow: var(--out-sm);
}

.nbtn-fill:hover {
    box-shadow: var(--out-xs);
    transform: translateY(-2px);
    color: #fff
}

/* Icon pods */
.pod {
    width: 56px;
    height: 56px;
    border-radius: 18px;
    background: var(--bg);
    box-shadow: var(--out-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    color: var(--accent2);
    flex-shrink: 0;
}

.pod-round {
    border-radius: 50%
}

.pod-in {
    box-shadow: var(--in-sm)
}

/* ============ NAV ============ */
.top {
    position: fixed;
    top: 16px;
    left: 0;
    right: 0;
    z-index: 1000
}

.navbar {
    --bg: #eef0f4;
    --dk: #cdd0d8;
    --lt: #ffffff;
    background: rgba(238, 240, 244, .88);
    backdrop-filter: blur(14px);
    box-shadow: 9px 9px 20px #cdd0d8, -9px -9px 20px #ffffff;
    border-radius: 60px;
    padding: 11px 22px;
    transition: .3s;
}

.navbar-brand {
    font-family: 'Cormorant Garamond', serif;
    font-weight: 700;
    font-size: 1.6rem;
    color: #b81a4a !important;
}

.navbar-brand span {
    color: #2a2430;
    font-weight: 500
}

.nav-link {
    font-size: .85rem;
    font-weight: 600;
    color: #4a4350 !important;
    padding: 9px 16px !important;
    border-radius: 40px;
    transition: .25s;
    margin: 0 2px;
}

.nav-link:hover {
    color: #b81a4a !important
}

.nav-link.active {
    color: #b81a4a !important;
    box-shadow: inset 4px 4px 8px #cdd0d8, inset -4px -4px 8px #ffffff;
}

.navbar-toggler {
    box-shadow: 4px 4px 9px #cdd0d8, -4px -4px 9px #fff;
    border: none;
    border-radius: 14px;
    padding: 6px 12px
}

.navbar-toggler:focus {
    box-shadow: inset 4px 4px 9px #cdd0d8, inset -4px -4px 9px #fff
}

/* ============ HERO ============ */
.hero {
    padding-top: 165px;
    padding-bottom: 0;
    overflow: hidden
}

.hero h1 {
    font-size: clamp(2.7rem, 5.4vw, 4.6rem);
    line-height: .96;
    margin-top: 22px
}

.hero h1 em {
    font-style: italic;
    color: var(--accent2)
}

.hero-lead {
    max-width: 500px;
    margin-top: 18px
}

.hero-chips {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-top: 34px
}

.hchip {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: .78rem;
    font-weight: 700;
    background: var(--bg);
    box-shadow: var(--in-sm);
    padding: 11px 18px;
    border-radius: 40px;
}

.hchip i {
    color: var(--accent)
}

.hero-visual {
    position: relative;
    height: 580px
}

.dashboard {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 350px;
    padding: 28px;
    border-radius: 36px;
    background: var(--bg);
    box-shadow: var(--out-lg);
    z-index: 3;
}

.dash-balance {
    font-size: 2.2rem;
    font-weight: 800;
    letter-spacing: -1px;
    background: linear-gradient(135deg, var(--accent2), var(--accent));
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

.spark {
    display: flex;
    align-items: flex-end;
    gap: 7px;
    height: 108px;
    margin: 20px 0;
    padding: 12px;
    border-radius: 22px;
    box-shadow: var(--in);
}

.spark div {
    flex: 1;
    border-radius: 10px;
    background: linear-gradient(180deg, var(--accent), var(--accent2));
    box-shadow: 3px 3px 7px var(--dk);
    animation: grow .9s ease forwards;
    transform-origin: bottom;
}

@keyframes grow {
    from {
        transform: scaleY(0)
    }
}

.dash-foot {
    display: flex;
    justify-content: space-between;
    gap: 8px
}

.dash-foot div {
    flex: 1;
    text-align: center;
    padding: 11px 4px;
    border-radius: 16px;
    box-shadow: var(--out-xs);
}

.dash-foot strong {
    color: var(--accent2);
    font-size: .95rem
}

.dash-foot small {
    color: var(--muted);
    font-size: .68rem
}

.fcard {
    position: absolute;
    width: 208px;
    padding: 17px;
    border-radius: 22px;
    background: var(--bg);
    box-shadow: var(--out);
    z-index: 2;
    font-size: .82rem;
}

.fcard.one {
    top: 26px;
    left: 0;
    transform: rotate(-7deg);
    animation: flo 5.5s ease-in-out infinite
}

.fcard.two {
    bottom: 34px;
    right: 0;
    transform: rotate(7deg);
    background: linear-gradient(135deg, var(--accent2), var(--accent));
    color: #fff;
    box-shadow: 12px 12px 30px var(--dk), -10px -10px 24px var(--lt);
    animation: flo2 5.5s ease-in-out infinite;
}

@keyframes flo {

    0%,
    100% {
        transform: translateY(0) rotate(-7deg)
    }

    50% {
        transform: translateY(-16px) rotate(-7deg)
    }
}

@keyframes flo2 {

    0%,
    100% {
        transform: translateY(0) rotate(7deg)
    }

    50% {
        transform: translateY(-16px) rotate(7deg)
    }
}

.chip-gold {
    width: 36px;
    height: 26px;
    border-radius: 6px;
    background: linear-gradient(135deg, #ffd66b, #e0a326);
    box-shadow: 2px 2px 5px rgba(0, 0, 0, .18)
}

.pill-note {
    position: absolute;
    z-index: 4;
    background: var(--bg);
    box-shadow: var(--out-sm);
    border-radius: 40px;
    padding: 10px 16px;
    font-size: .74rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    gap: 8px;
}

.pill-note.p1 {
    top: 9%;
    right: 8%
}

.pill-note.p2 {
    bottom: 9%;
    left: 4%
}

.dotlive {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #19c37d;
    box-shadow: 0 0 0 4px rgba(25, 195, 125, .2)
}

/* marquee */
.marquee {
    margin-top: 70px;
    padding: 20px 0;
    overflow: hidden;
    box-shadow: inset 0 8px 16px var(--dk), inset 0 -8px 16px var(--lt);
}

.marquee-track {
    display: flex;
    gap: 46px;
    animation: marq 30s linear infinite;
    width: max-content
}

.marquee:hover .marquee-track {
    animation-play-state: paused
}

@keyframes marq {
    to {
        transform: translateX(-50%)
    }
}

.marq-item {
    display: flex;
    align-items: center;
    gap: 10px;
    white-space: nowrap;
    font-weight: 600;
    font-size: .88rem;
    color: var(--muted)
}

.marq-item i {
    color: var(--accent)
}

/* ============ ABOUT (offset overlap layout) ============ */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    align-items: center
}

.about-media {
    position: relative;
    padding: 18px;
    border-radius: 40px;
    box-shadow: var(--out-lg);
    z-index: 2
}

.about-media img {
    width: 100%;
    height: 470px;
    object-fit: cover;
    border-radius: 28px;
    box-shadow: var(--in-sm);
    display: block
}

.about-panel {
    margin-left: -70px;
    padding: 54px 46px 54px 100px;
    border-radius: 40px;
    box-shadow: var(--out);
    z-index: 1;
}

.about-badge {
    position: absolute;
    left: -34px;
    bottom: 38px;
    z-index: 5;
    background: var(--bg);
    box-shadow: var(--out);
    border-radius: 24px;
    padding: 16px 22px;
    display: flex;
    align-items: center;
    gap: 14px;
}

.about-badge strong {
    font-size: 1.5rem;
    line-height: 1;
    font-family: 'Cormorant Garamond', serif
}

.about-badge span {
    font-size: .74rem;
    color: var(--muted);
    font-weight: 600
}

.tick-list {
    list-style: none;
    padding: 0;
    margin: 26px 0 0
}

.tick-list li {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 13px 18px;
    margin-bottom: 12px;
    border-radius: 18px;
    box-shadow: var(--out-xs);
    font-size: .9rem;
    font-weight: 600;
    transition: .25s;
}

.tick-list li:hover {
    box-shadow: var(--in-sm)
}

.tick-list li i {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--accent), var(--accent2));
    color: #fff;
    font-size: .8rem;
    flex-shrink: 0;
}

.stat-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-top: 80px
}

.stat-box {
    padding: 28px 22px;
    border-radius: 26px;
    box-shadow: var(--out-sm);
    text-align: center;
    transition: .3s
}

.stat-box:hover {
    box-shadow: var(--in)
}

.stat-box b {
    display: block;
    font-family: 'Cormorant Garamond', serif;
    font-size: 2.6rem;
    color: var(--accent2);
    line-height: 1
}

.stat-box small {
    color: var(--muted);
    font-weight: 600;
    letter-spacing: .5px;
    font-size: .74rem;
    text-transform: uppercase
}

/* ============ SERVICES ============ */
.cat-head {
    display: flex;
    align-items: center;
    gap: 20px;
    margin: 0 0 30px
}

.cat-head .num {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.5rem;
    font-weight: 700;
    width: 60px;
    height: 60px;
    border-radius: 22px;
    box-shadow: var(--in-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent2);
    flex-shrink: 0;
}

.cat-head h3 {
    font-size: 1.75rem
}

.cat-head p {
    margin: 0;
    font-size: .84rem;
    color: var(--muted)
}

.cat-line {
    flex: 1;
    height: 6px;
    border-radius: 6px;
    box-shadow: var(--in-sm);
    min-width: 30px
}

.scard {
    padding: 28px;
    border-radius: 28px;
    box-shadow: var(--out-sm);
    display: flex;
    flex-direction: column;
    height: 100%;
    transition: .35s;
    position: relative;
    overflow: hidden;
}

.scard:hover {
    box-shadow: var(--out);
    transform: translateY(-5px)
}

.scard h5 {
    font-size: 1.2rem;
    margin: 16px 0 8px
}

.scard p {
    font-size: .86rem;
    color: var(--muted);
    line-height: 1.65;
    flex-grow: 1;
    margin-bottom: 16px
}

.slink {
    font-weight: 700;
    font-size: .82rem;
    color: var(--accent2);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px
}

.slink:hover {
    gap: 13px;
    color: var(--accent2)
}

.slink i {
    transition: .25s
}

/* Bento (loans) */
.bento {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px
}

.bento .b-hero {
    grid-column: span 2;
    grid-row: span 2
}

.bento .b-hero .pod {
    width: 70px;
    height: 70px;
    font-size: 1.7rem
}

.bento .b-hero h5 {
    font-size: 1.9rem
}

.bento .b-wide {
    grid-column: span 2
}

.b-fill {
    background: linear-gradient(145deg, var(--accent), var(--accent2));
    color: #fff;
    box-shadow: var(--out);
}

.b-fill .pod {
    background: rgba(255, 255, 255, .16);
    box-shadow: inset 3px 3px 7px rgba(0, 0, 0, .18), inset -3px -3px 7px rgba(255, 255, 255, .18);
    color: #fff
}

.b-fill p,
.b-fill .slink {
    color: rgba(255, 255, 255, .88) !important
}

/* Tile rows (insurance) */
.tile-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px
}

.tile {
    display: flex;
    gap: 16px;
    padding: 22px;
    border-radius: 24px;
    box-shadow: var(--out-xs);
    transition: .3s;
}

.tile:hover {
    box-shadow: var(--out);
    transform: translateX(5px)
}

.tile .pod {
    width: 48px;
    height: 48px;
    font-size: 1.15rem;
    border-radius: 16px
}

.tile h5 {
    font-size: 1.02rem;
    margin-bottom: 6px
}

.tile p {
    font-size: .8rem;
    color: var(--muted);
    line-height: 1.6;
    margin: 0 0 10px
}

/* Wide strips (investments) */
.strip {
    display: grid;
    grid-template-columns: 90px 1fr auto;
    gap: 26px;
    align-items: center;
    padding: 26px 30px;
    border-radius: 30px;
    box-shadow: var(--out-sm);
    margin-bottom: 18px;
    transition: .3s;
}

.strip:hover {
    box-shadow: var(--in)
}

.strip .pod {
    width: 76px;
    height: 76px;
    font-size: 1.8rem;
    border-radius: 50%
}

.strip h5 {
    font-size: 1.3rem;
    margin-bottom: 6px
}

.strip p {
    margin: 0;
    font-size: .87rem;
    color: var(--muted);
    max-width: 640px
}

/* Numbered cards (wealth) */
.wealth-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px
}

.wcard {
    padding: 30px 26px;
    border-radius: 28px;
    box-shadow: var(--out-sm);
    position: relative;
    transition: .3s
}

.wcard:hover {
    box-shadow: var(--in)
}

.wcard .wnum {
    font-family: 'Cormorant Garamond', serif;
    font-size: 3.4rem;
    font-weight: 700;
    line-height: 1;
    color: var(--accent);
    opacity: .28;
    position: absolute;
    top: 16px;
    right: 24px;
}

.wcard h5 {
    font-size: 1.15rem;
    margin: 14px 0 8px
}

.wcard p {
    font-size: .85rem;
    color: var(--muted);
    line-height: 1.65
}

/* Circle grid (digital payments) */
.circle-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px
}

.ccard {
    text-align: center;
    padding: 34px 24px;
    border-radius: 32px;
    box-shadow: var(--out-sm);
    transition: .3s
}

.ccard:hover {
    box-shadow: var(--in)
}

.ccard .pod {
    width: 74px;
    height: 74px;
    border-radius: 50%;
    margin: 0 auto 18px;
    font-size: 1.7rem
}

.ccard h5 {
    font-size: 1.1rem;
    margin-bottom: 8px
}

.ccard p {
    font-size: .82rem;
    color: var(--muted);
    line-height: 1.6
}

/* Split panels (warranties + debt) */
.split-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px
}

.pcard {
    padding: 0;
    border-radius: 30px;
    box-shadow: var(--out-sm);
    overflow: hidden;
    transition: .3s
}

.pcard:hover {
    box-shadow: var(--out)
}

.pcard .p-top {
    padding: 26px;
    display: flex;
    align-items: center;
    gap: 16px;
    box-shadow: var(--in-sm);
    border-radius: 30px 30px 26px 26px;
}

.pcard .p-top h5 {
    font-size: 1.1rem
}

.pcard .p-body {
    padding: 24px 26px 26px
}

.pcard .p-body p {
    font-size: .85rem;
    color: var(--muted);
    line-height: 1.65;
    margin-bottom: 14px
}

/* ============ WHY (zig-zag rail) ============ */
.rail {
    position: relative;
    display: grid;
    grid-template-columns: 1fr 76px 1fr;
    align-items: start;
    row-gap: 8px
}

.rail-line {
    grid-column: 2;
    grid-row: 1 / -1;
    width: 10px;
    margin: 0 auto;
    border-radius: 10px;
    box-shadow: var(--in-sm);
    height: 100%
}

.rnode {
    grid-column: 2;
    width: 52px;
    height: 52px;
    border-radius: 50%;
    margin: 0 auto;
    background: var(--bg);
    box-shadow: var(--out-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent2);
    font-size: 1.15rem;
    position: relative;
    z-index: 2;
}

.rbox {
    padding: 26px 28px;
    border-radius: 26px;
    box-shadow: var(--out-sm);
    transition: .3s
}

.rbox:hover {
    box-shadow: var(--in)
}

.rbox h5 {
    font-size: 1.22rem;
    margin-bottom: 7px
}

.rbox p {
    font-size: .87rem;
    color: var(--muted);
    line-height: 1.65;
    margin: 0
}

.r-left {
    grid-column: 1;
    text-align: right
}

.r-right {
    grid-column: 3
}

/* ============ TESTIMONIALS (dark soft UI, staggered) ============ */
.tcol {
    display: flex;
    flex-direction: column;
    gap: 22px
}

.tcol.offset {
    margin-top: 46px
}

.qcard {
    padding: 30px;
    border-radius: 30px;
    box-shadow: var(--out-sm);
    transition: .35s
}

.qcard:hover {
    box-shadow: var(--in)
}

.stars {
    color: var(--accent);
    font-size: .78rem;
    letter-spacing: 3px;
    margin-bottom: 14px
}

.qtext {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.24rem;
    font-style: italic;
    line-height: 1.55;
    margin-bottom: 20px
}

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

.qav {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Cormorant Garamond', serif;
    font-weight: 700;
    font-size: 1.2rem;
    background: linear-gradient(145deg, var(--accent2), var(--accent));
    color: #241f2c;
    box-shadow: var(--out-xs);
}

.qname {
    font-weight: 700;
    font-size: .9rem;
    display: block
}

.qrole {
    font-size: .74rem;
    color: var(--muted)
}

/* ============ FAQ ============ */
.faq-grid {
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    gap: 50px;
    align-items: start
}

.faq-item {
    border-radius: 24px;
    box-shadow: var(--out-xs);
    padding: 22px 26px;
    margin-bottom: 16px;
    cursor: pointer;
    transition: .3s
}

.faq-item.open {
    box-shadow: var(--in)
}

.faq-q {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 18px;
    font-weight: 700;
    font-size: .96rem
}

.faq-ic {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--out-xs);
    color: var(--accent2);
    transition: .3s;
    background: var(--bg);
}

.faq-item.open .faq-ic {
    transform: rotate(135deg);
    box-shadow: var(--in-sm)
}

.faq-a {
    max-height: 0;
    overflow: hidden;
    transition: max-height .4s, padding-top .4s;
    color: var(--muted);
    font-size: .88rem;
    line-height: 1.7
}

.faq-item.open .faq-a {
    max-height: 340px;
    padding-top: 14px
}

.faq-aside {
    padding: 40px 34px;
    border-radius: 34px;
    box-shadow: var(--out);
    position: sticky;
    top: 110px
}

.faq-aside h3 {
    font-size: 1.9rem
}

.fstats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-top: 26px
}

.fstat {
    padding: 18px;
    border-radius: 20px;
    box-shadow: var(--in-sm);
    text-align: center
}

.fstat strong {
    display: block;
    font-size: 1.5rem;
    font-family: 'Cormorant Garamond', serif;
    color: var(--accent2)
}

.fstat small {
    color: var(--muted);
    font-size: .72rem;
    font-weight: 600
}

/* ============ CONTACT ============ */
.contact-grid {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 28px
}

.cpanel {
    padding: 40px;
    border-radius: 36px;
    box-shadow: var(--out)
}

.cpanel-alt {
    padding: 40px;
    border-radius: 36px;
    box-shadow: var(--in)
}

.form-label {
    font-size: .76rem;
    font-weight: 700;
    letter-spacing: .6px;
    text-transform: uppercase;
    color: var(--muted);
    margin-bottom: 8px
}

.form-control,
.form-select {
    border: none !important;
    border-radius: 16px;
    padding: 14px 18px;
    background: var(--bg);
    color: var(--txt);
    box-shadow: var(--in-sm);
    transition: .25s;
}

.form-control:focus,
.form-select:focus {
    background: var(--bg);
    color: var(--txt);
    box-shadow: var(--in-deep);
    outline: none;
}

.form-control::placeholder {
    color: var(--muted);
    opacity: .7
}

.cinfo {
    display: flex;
    gap: 16px;
    align-items: center;
    padding: 16px;
    border-radius: 20px;
    box-shadow: var(--out-xs);
    margin-bottom: 14px;
    transition: .3s
}

.cinfo:hover {
    box-shadow: var(--out-sm);
    transform: translateX(5px)
}

.cinfo strong {
    display: block;
    font-size: .7rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--muted);
    font-weight: 700
}

.cinfo span {
    font-weight: 600;
    font-size: .92rem
}

/* ============ NEWSLETTER ============ */
.nlbox {
    padding: 60px 48px;
    border-radius: 44px;
    box-shadow: var(--out-lg)
}

.form-check-input {
    background: var(--bg);
    border: none;
    box-shadow: var(--in-sm);
    width: 1.2em;
    height: 1.2em
}

.form-check-input:checked {
    background-color: var(--accent);
    box-shadow: var(--out-xs)
}

.form-check-label {
    font-size: .82rem;
    color: var(--muted)
}

/* ============ FOOTER ============ */
footer {
    padding: 80px 0 26px;
    border-radius: 48px 48px 0 0;
    margin-top: 0
}

.foot-name {
    font-family: 'Cormorant Garamond', serif;
    font-size: 1.9rem;
    font-weight: 700;
    color: var(--txt)
}

footer h5 {
    font-size: 1.05rem;
    margin-bottom: 18px
}

footer a {
    color: var(--muted);
    text-decoration: none;
    font-size: .88rem;
    transition: .25s;
    cursor: pointer
}

footer a:hover {
    color: var(--accent)
}

.fsoc {
    display: flex;
    gap: 12px;
    margin-top: 20px
}

.fsoc a {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    box-shadow: var(--out-xs);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent)
}

.fsoc a:hover {
    box-shadow: var(--in-sm)
}

.foot-bottom {
    margin-top: 48px;
    padding-top: 22px;
    box-shadow: inset 0 6px 10px -8px var(--dk);
    text-align: center;
    font-size: .8rem;
    color: var(--muted)
}

/* ============ MODAL / TOAST ============ */
.modal-content {
    border-radius: 30px;
    border: none;
    background: #f1e9ee;
    box-shadow: 16px 16px 40px #cbbcc4, -16px -16px 40px #fff
}

.modal-header {
    border: none;
    padding: 26px 30px 12px
}

.modal-title {
    font-family: 'Cormorant Garamond', serif;
    font-weight: 700;
    color: #b81a4a;
    font-size: 1.7rem
}

.modal-body {
    padding: 10px 30px 30px;
    max-height: 68vh;
    overflow-y: auto
}

.legal {
    padding: 18px 22px;
    border-radius: 20px;
    margin-bottom: 14px;
    box-shadow: inset 5px 5px 10px #d4c4cd, inset -5px -5px 10px #fff
}

.legal h6 {
    color: #b81a4a;
    font-weight: 700;
    font-size: .93rem;
    margin-bottom: 7px
}

.legal p {
    font-size: .85rem;
    color: #6d6069;
    margin: 0;
    line-height: 1.7
}

.btn-close {
    box-shadow: 4px 4px 9px #cbbcc4, -4px -4px 9px #fff;
    border-radius: 50%;
    padding: 14px;
    opacity: .6
}

.toast-bloom {
    position: fixed;
    top: 96px;
    right: -620px;
    z-index: 3000;
    max-width: 350px;
    background: #eef0f4;
    border-radius: 20px;
    padding: 18px 24px;
    box-shadow: 12px 12px 26px #cdd0d8, -12px -12px 26px #ffffff;
    display: flex;
    gap: 14px;
    align-items: center;
    transition: right .5s cubic-bezier(.22, 1, .36, 1);
    font-size: .9rem;
    font-weight: 600;
    color: #2a2430;
}

.toast-bloom.show {
    right: 18px
}

.toast-bloom i {
    color: #19c37d;
    font-size: 1.5rem
}

/* ============ RESPONSIVE ============ */
@media(max-width:1199px) {
    .bento {
        grid-template-columns: repeat(2, 1fr)
    }

    .bento .b-hero,
    .bento .b-wide {
        grid-column: span 2;
        grid-row: auto
    }
}

@media(max-width:991px) {
    section {
        padding: 80px 0
    }

    .about-grid,
    .faq-grid,
    .contact-grid {
        grid-template-columns: 1fr
    }

    .about-panel {
        margin-left: 0;
        margin-top: -40px;
        padding: 70px 32px 40px
    }

    .about-badge {
        left: auto;
        right: 20px;
        bottom: -22px
    }

    .stat-row {
        grid-template-columns: 1fr 1fr
    }

    .tile-grid,
    .wealth-grid,
    .circle-grid,
    .split-grid {
        grid-template-columns: 1fr 1fr
    }

    .hero-visual {
        height: 520px;
        margin-top: 50px
    }

    .faq-aside {
        position: static
    }

    .rail {
        grid-template-columns: 56px 1fr
    }

    .rail-line {
        grid-column: 1
    }

    .rnode {
        grid-column: 1
    }

    .r-left,
    .r-right {
        grid-column: 2;
        text-align: left
    }

    .tcol.offset {
        margin-top: 0
    }
}

@media(max-width:767px) {

    .bento,
    .tile-grid,
    .wealth-grid,
    .circle-grid,
    .split-grid {
        grid-template-columns: 1fr
    }

    .strip {
        grid-template-columns: 1fr;
        text-align: center;
        justify-items: center
    }

    .stat-row {
        grid-template-columns: 1fr 1fr;
        gap: 14px
    }

    .hero h1 {
        font-size: 2.4rem
    }

    .navbar {
        border-radius: 26px
    }

    .dashboard {
        width: 290px;
        padding: 22px
    }

    .fcard {
        width: 165px;
        padding: 13px
    }

    .nlbox,
    .cpanel,
    .cpanel-alt {
        padding: 30px 22px
    }

    .about-media img {
        height: 320px
    }
}


/* Multi-page layout adjustments */
.page-section {
    padding-top: 170px;
}

.legal-page {
    padding: 164px 0 90px;
    background: #eef0f4;
    min-height: 65vh;
}

.legal-page>.container {
    max-width: 1040px;
}

.legal-page h1 {
    font-size: clamp(2.5rem, 5vw, 4rem);
    line-height: 1;
    margin-bottom: 14px;
}

.legal-page .legal-intro {
    color: #6c6a85;
    margin-bottom: 28px;
    line-height: 1.7;
}

.legal-page .legal {
    margin-bottom: 22px;
}

.legal-page .legal h6 {
    color: #4a3bbd;
    font-weight: 800;
    font-size: 1rem;
    margin: 0 0 8px;
}

.legal-page .legal p {
    color: #6c6a85;
    line-height: 1.75;
    margin: 0;
}

.legal-card {
    background: #ecebf6;
    box-shadow: 10px 10px 22px #c9c7d7, -10px -10px 22px #fff;
    border-radius: 28px;
    padding: clamp(24px, 5vw, 50px);
}

.legal-disclaimer {
    border-top: 1px solid rgba(42, 36, 48, .12);
    margin-top: 32px;
    padding-top: 18px;
    color: #6c6a85;
    font-size: .85rem;
    line-height: 1.7;
}

.page-links {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-top: 22px;
}

#successToast {
    max-width: min(520px, calc(100vw - 36px));
}

.form-check-label a {
    color: var(--accent2);
    text-decoration: underline;
    font-weight: 700;
}

@media(max-width:767px) {
    .page-section {
        padding-top: 140px;
    }

    .legal-page {
        padding-top: 140px;
    }
}