/* ============================================================
   FinanceTrendPoint - Custom Theme
   Works together with Bootstrap grid (container / row / col)
   ============================================================ */
:root {
  --navy: #0b2545;
  --navy-deep: #071a33;
  --navy-soft: #14315c;
  --gold: #c9a227;
  --gold-soft: #e8d189;
  --teal: #14b8a6;
  --ink: #1e293b;
  --muted: #5b6b82;
  --line: #e6ebf2;
  --bg-soft: #f5f8fc;
  --card-shadow: 0 18px 45px rgba(11, 37, 69, 0.10);
  --radius: 1.1rem;
}

* { -webkit-tap-highlight-color: transparent; }

body {
  font-family: "Segoe UI", "Helvetica Neue", Arial, system-ui, sans-serif;
  color: var(--ink);
  background: #ffffff;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5 {
  color: var(--navy);
  font-weight: 700;
  letter-spacing: -0.02em;
}

a { text-decoration: none; }
a:hover { text-decoration: none; }

::selection { background: var(--gold); color: #fff; }

/* ---------- Navbar ---------- */
.site-navbar {
  background: rgba(7, 26, 51, 0.96);
  backdrop-filter: blur(10px);
  padding-top: 0.85rem;
  padding-bottom: 0.85rem;
  transition: box-shadow 0.3s ease, background 0.3s ease;
}
.site-navbar.scrolled { box-shadow: 0 10px 30px rgba(0, 0, 0, 0.35); }

.brand-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--gold), #8a6d12);
  margin-right: 0.65rem;
  flex: 0 0 auto;
}
.brand-text {
  font-weight: 800;
  font-size: 1.22rem;
  letter-spacing: -0.02em;
  color: #fff;
  line-height: 1;
}
.brand-text em { font-style: normal; color: var(--gold-soft); }
.brand-tag {
  display: block;
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
}

.site-navbar .nav-link {
  color: rgba(255, 255, 255, 0.82);
  font-weight: 600;
  font-size: 0.95rem;
  margin: 0 0.15rem;
  padding: 0.55rem 0.8rem !important;
  border-radius: 0.6rem;
  transition: color 0.2s ease, background 0.2s ease;
}
.site-navbar .nav-link:hover,
.site-navbar .nav-link.active { color: #fff; background: rgba(255, 255, 255, 0.10); }
.site-navbar .dropdown-menu {
  border: 1px solid var(--line);
  border-radius: 0.9rem;
  box-shadow: var(--card-shadow);
  padding: 0.6rem;
}
.site-navbar .dropdown-item {
  border-radius: 0.6rem;
  font-weight: 600;
  font-size: 0.92rem;
  padding: 0.55rem 0.8rem;
  color: var(--navy);
}
.site-navbar .dropdown-item:hover { background: var(--bg-soft); color: var(--navy); }

/* ---------- Buttons ---------- */
.btn-gold {
  background: linear-gradient(135deg, #d9b53a, #a8820f);
  border: none;
  color: #fff;
  font-weight: 700;
  padding: 0.65rem 1.5rem;
  border-radius: 999px;
  box-shadow: 0 12px 25px rgba(201, 162, 39, 0.35);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  white-space: nowrap;
}
.btn-gold:hover, .btn-gold:focus { color: #fff; transform: translateY(-2px); box-shadow: 0 16px 32px rgba(201, 162, 39, 0.45); }

.btn-outline-light-custom {
  border: 2px solid rgba(255, 255, 255, 0.55);
  color: #fff;
  font-weight: 700;
  padding: 0.6rem 1.5rem;
  border-radius: 999px;
  transition: background 0.2s ease, border-color 0.2s ease;
  white-space: nowrap;
}
.btn-outline-light-custom:hover { background: rgba(255, 255, 255, 0.14); border-color: #fff; color: #fff; }

.btn-navy {
  background: var(--navy);
  border: none;
  color: #fff;
  font-weight: 700;
  padding: 0.65rem 1.6rem;
  border-radius: 999px;
  transition: background 0.2s ease, transform 0.2s ease;
}
.btn-navy:hover { background: var(--navy-soft); color: #fff; transform: translateY(-2px); }

.btn-soft {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  color: var(--navy);
  font-weight: 700;
  padding: 0.6rem 1.4rem;
  border-radius: 999px;
}
.btn-soft:hover { background: #eaf0f8; color: var(--navy); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(201, 162, 39, 0.25), transparent 60%),
    radial-gradient(700px 420px at -10% 20%, rgba(20, 184, 166, 0.18), transparent 60%),
    linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 55%, #0e2f63 100%);
  color: #fff;
  padding: 9.5rem 0 5.5rem;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -1px;
  height: 70px;
  background: #fff;
  clip-path: ellipse(60% 100% at 50% 100%);
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.10);
  border: 1px solid rgba(255, 255, 255, 0.22);
  padding: 0.4rem 1rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-soft);
}
.hero h1 { color: #fff; font-size: clamp(2.1rem, 4.6vw, 3.6rem); line-height: 1.08; }
.hero h1 span { color: var(--gold-soft); }
.hero-sub { color: rgba(255, 255, 255, 0.78); font-size: 1.08rem; max-width: 34rem; }
.hero-points { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 0.6rem 1.4rem; }
.hero-points li { display: flex; align-items: center; gap: 0.5rem; color: rgba(255,255,255,0.88); font-weight: 600; font-size: 0.95rem; }
.hero-points svg { flex: 0 0 auto; }

.hero-card {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 1.4rem;
  padding: 1.6rem;
  backdrop-filter: blur(8px);
  box-shadow: 0 30px 60px rgba(0, 0, 0, 0.35);
}
.hero-card .mini-row {
  display: flex; align-items: center; gap: 0.9rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 1rem;
  padding: 0.85rem 1rem;
}
.hero-card .mini-row + .mini-row { margin-top: 0.7rem; }
.mini-icon {
  width: 46px; height: 46px; border-radius: 14px; flex: 0 0 auto;
  display: inline-flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--gold), #8a6d12);
}
.mini-icon.teal { background: linear-gradient(135deg, #2dd4bf, #0f766e); }
.mini-icon.navy { background: linear-gradient(135deg, #3b5bdb, #1a2f6b); }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background:
    radial-gradient(700px 300px at 90% 0%, rgba(201, 162, 39, 0.22), transparent 60%),
    linear-gradient(160deg, var(--navy-deep), var(--navy) 70%);
  color: #fff;
  padding: 8.5rem 0 3.5rem;
}
.page-hero h1 { color: #fff; }
.page-hero p { color: rgba(255,255,255,0.75); max-width: 44rem; }
.crumb { font-size: 0.85rem; font-weight: 600; color: rgba(255,255,255,0.65); }
.crumb a { color: var(--gold-soft); }
.crumb span { margin: 0 0.4rem; opacity: 0.6; }

/* ---------- Sections ---------- */
.section { padding: 4.5rem 0; }
.section-soft { background: var(--bg-soft); }
.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: #0f766e;
  background: rgba(20, 184, 166, 0.12);
  border: 1px solid rgba(20, 184, 166, 0.25);
  padding: 0.35rem 0.95rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}
.eyebrow.gold { color: #8a6d12; background: rgba(201,162,39,0.12); border-color: rgba(201,162,39,0.3); }
.section-title { font-size: clamp(1.6rem, 3vw, 2.4rem); margin-bottom: 0.75rem; }
.section-lead { color: var(--muted); max-width: 46rem; font-size: 1.05rem; }

/* ---------- Service cards ---------- */
.svc-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.8rem 1.6rem;
  height: 100%;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
  position: relative;
  overflow: hidden;
}
.svc-card::before {
  content: "";
  position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--teal));
  opacity: 0; transition: opacity 0.25s ease;
}
.svc-card:hover { transform: translateY(-6px); box-shadow: var(--card-shadow); border-color: #d4dce8; }
.svc-card:hover::before { opacity: 1; }
.svc-icon {
  width: 58px; height: 58px; border-radius: 18px;
  display: inline-flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  margin-bottom: 1.1rem;
}
.svc-icon.gold { background: linear-gradient(135deg, #d9b53a, #8a6d12); }
.svc-icon.teal { background: linear-gradient(135deg, #2dd4bf, #0f766e); }
.svc-card h3 { font-size: 1.18rem; margin-bottom: 0.6rem; }
.svc-card p { color: var(--muted); font-size: 0.96rem; margin-bottom: 1.1rem; }
.link-arrow { font-weight: 700; color: #0f766e; display: inline-flex; align-items: center; gap: 0.4rem; }
.link-arrow:hover { color: var(--navy); }

/* ---------- Feature list ---------- */
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { display: flex; gap: 0.7rem; align-items: flex-start; padding: 0.55rem 0; color: var(--ink); font-weight: 500; }
.check-list svg { flex: 0 0 auto; margin-top: 0.2rem; }

/* ---------- Steps ---------- */
.step-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.8rem 1.5rem;
  height: 100%;
  text-align: left;
  position: relative;
}
.step-tag {
  display: inline-block;
  font-size: 0.75rem; font-weight: 800;
  letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--navy);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  padding: 0.3rem 0.9rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}

/* ---------- Testimonials ---------- */
.testi-card {
  background: var(--navy-deep);
  color: #fff;
  border-radius: 1.4rem;
  padding: 2.2rem;
  border: 1px solid rgba(255,255,255,0.12);
  height: 100%;
}
.testi-card p { color: rgba(255,255,255,0.85); font-size: 1.02rem; }
.testi-name { font-weight: 800; color: #fff; margin-bottom: 0; }
.testi-role { color: var(--gold-soft); font-size: 0.88rem; font-weight: 600; }
.stars { display: inline-flex; gap: 0.2rem; margin-bottom: 1rem; }

/* ---------- Blog cards ---------- */
.blog-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--card-shadow); }
.blog-cover { height: 170px; display: flex; align-items: center; justify-content: center; }
.blog-cover.cov-a { background: linear-gradient(135deg, #0b2545, #1e4fa3); }
.blog-cover.cov-b { background: linear-gradient(135deg, #0f766e, #14b8a6); }
.blog-cover.cov-c { background: linear-gradient(135deg, #8a6d12, #d9b53a); }
.blog-body { padding: 1.5rem; display: flex; flex-direction: column; flex: 1; }
.blog-tag {
  display: inline-block; align-self: flex-start;
  font-size: 0.72rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase;
  background: var(--bg-soft); border: 1px solid var(--line); color: var(--navy);
  padding: 0.28rem 0.8rem; border-radius: 999px; margin-bottom: 0.8rem;
}
.blog-body h3 { font-size: 1.12rem; }
.blog-body p { color: var(--muted); font-size: 0.94rem; flex: 1; }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(600px 260px at 12% 20%, rgba(201,162,39,0.25), transparent 60%),
    linear-gradient(140deg, var(--navy-deep), #12305e);
  border-radius: 1.6rem;
  padding: 3rem;
  color: #fff;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,0.78); }

/* ---------- FAQ accordion ---------- */
.accordion-item { border: 1px solid var(--line) !important; border-radius: 1rem !important; overflow: hidden; margin-bottom: 0.8rem; }
.accordion-button { font-weight: 700; color: var(--navy); }
.accordion-button:not(.collapsed) { background: var(--bg-soft); color: var(--navy); box-shadow: none; }
.accordion-button:focus { box-shadow: none; border-color: var(--line); }
.accordion-body { color: var(--muted); }

/* ---------- Forms ---------- */
.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 1.4rem;
  box-shadow: var(--card-shadow);
  padding: 2.2rem;
}
.form-label { font-weight: 700; color: var(--navy); font-size: 0.92rem; }
.form-control, .form-select {
  border-radius: 0.8rem;
  padding: 0.7rem 1rem;
  border: 1px solid #cfd8e4;
}
.form-control:focus, .form-select:focus { border-color: var(--teal); box-shadow: 0 0 0 0.2rem rgba(20,184,166,0.15); }
.form-check-label { color: var(--ink); font-size: 0.94rem; }
.form-note { font-size: 0.86rem; color: var(--muted); }

/* ---------- Info cards (contact) ---------- */
.info-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem;
  height: 100%;
}
.info-card h3 { font-size: 1.05rem; margin-bottom: 0.4rem; }
.info-card p { color: var(--muted); margin-bottom: 0; font-size: 0.95rem; }
.map-art {
  border-radius: 1.4rem;
  background:
    radial-gradient(circle at 30% 30%, rgba(20,184,166,0.20), transparent 45%),
    radial-gradient(circle at 75% 65%, rgba(201,162,39,0.22), transparent 45%),
    linear-gradient(150deg, #eef3fa, #dfe8f4);
  border: 1px solid var(--line);
  min-height: 320px;
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.map-grid {
  position: absolute; inset: 0; opacity: 0.5;
  background-image: linear-gradient(#ffffff 1px, transparent 1px), linear-gradient(90deg, #ffffff 1px, transparent 1px);
  background-size: 34px 34px;
}
.map-pin-card {
  position: relative; z-index: 2;
  background: #fff; border: 1px solid var(--line); border-radius: 1.1rem;
  box-shadow: var(--card-shadow);
  padding: 1.4rem 1.6rem; max-width: 22rem; text-align: center;
}

/* ---------- Article ---------- */
.article-wrap { max-width: 48rem; margin: 0 auto; }
.article-wrap p { color: #33415c; line-height: 1.8; }
.article-wrap h2 { margin-top: 2.2rem; font-size: 1.45rem; }
.article-wrap h3 { margin-top: 1.6rem; font-size: 1.15rem; }
.takeaway {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-left: 5px solid var(--teal);
  border-radius: 1rem;
  padding: 1.4rem 1.5rem;
}
.takeaway ul { margin-bottom: 0; color: var(--ink); }
.author-box {
  display: flex; gap: 1rem; align-items: center;
  background: var(--navy-deep); color: #fff;
  border-radius: 1.1rem; padding: 1.3rem 1.5rem;
}
.author-box p { color: rgba(255,255,255,0.75); margin: 0; font-size: 0.92rem; }
.avatar {
  width: 56px; height: 56px; border-radius: 50%; flex: 0 0 auto;
  display: inline-flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--gold), #8a6d12);
  font-weight: 800; font-size: 1.2rem; color: #fff;
}

/* ---------- Legal ---------- */
.legal-wrap { max-width: 52rem; margin: 0 auto; }
.legal-wrap h2 { font-size: 1.35rem; margin-top: 2rem; }
.legal-wrap p, .legal-wrap li { color: #33415c; line-height: 1.75; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,0.75); padding: 4rem 0 0; margin-top: 0; }
.site-footer h4 { color: #fff; font-size: 1rem; margin-bottom: 1.1rem; letter-spacing: 0.02em; }
.site-footer p { font-size: 0.93rem; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 0.55rem; }
.footer-links a { color: rgba(255,255,255,0.72); font-size: 0.93rem; transition: color 0.2s ease, padding-left 0.2s ease; }
.footer-links a:hover { color: var(--gold-soft); padding-left: 4px; }
.social-row { display: flex; gap: 0.6rem; margin-top: 1rem; }
.social-row a {
  width: 40px; height: 40px; border-radius: 12px;
  display: inline-flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  transition: background 0.2s ease, transform 0.2s ease;
}
.social-row a:hover { background: rgba(201,162,39,0.35); transform: translateY(-2px); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-top: 2.5rem;
  padding: 1.3rem 0;
  font-size: 0.88rem;
}
.footer-bottom a { color: rgba(255,255,255,0.72); }
.footer-bottom a:hover { color: var(--gold-soft); }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ---------- Back to top ---------- */
#backTop {
  position: fixed; right: 1.2rem; bottom: 1.2rem; z-index: 1050;
  width: 48px; height: 48px; border-radius: 50%;
  border: none; display: none;
  align-items: center; justify-content: center;
  background: linear-gradient(135deg, #d9b53a, #8a6d12);
  box-shadow: 0 14px 30px rgba(0,0,0,0.25);
}
#backTop.show { display: inline-flex; }

/* ---------- Misc ---------- */
.trust-strip { background: #fff; border-bottom: 1px solid var(--line); }
.trust-strip .item { display: flex; align-items: center; gap: 0.6rem; font-weight: 700; color: var(--navy); font-size: 0.92rem; }
.divider-soft { border-top: 1px solid var(--line); }
.badge-soft {
  background: var(--bg-soft); border: 1px solid var(--line); color: var(--navy);
  border-radius: 999px; padding: 0.35rem 0.9rem; font-size: 0.8rem; font-weight: 700;
  display: inline-block; margin: 0.15rem;
}

@media (max-width: 991px) {
  .hero { padding-top: 8rem; }
  .cta-band { padding: 2rem 1.5rem; }
}
@media (max-width: 575px) {
  .form-card { padding: 1.5rem; }
  .testi-card { padding: 1.6rem; }
}