/* ==========================================================================
   Cash Compasses — Financial Services Website
   Custom design system (works on top of Bootstrap 5 grid / components)
   Palette: deep navy + teal + amber + plum  (multi-colour, bright sections)
   ========================================================================== */

:root {
  /* Brand colours */
  --cc-ink: #08192e;
  --cc-ink-2: #0e2743;
  --cc-ink-3: #14395c;
  --cc-teal: #0e9e7e;
  --cc-teal-dark: #0a7a60;
  --cc-teal-soft: #e6f7f2;
  --cc-amber: #ffb020;
  --cc-amber-dark: #e08f00;
  --cc-amber-soft: #fff6e3;
  --cc-plum: #7b4de3;
  --cc-plum-soft: #f1ebff;
  --cc-coral: #ff6b5a;
  --cc-coral-soft: #ffeeea;
  --cc-sky: #2e86de;
  --cc-sky-soft: #eaf3fd;
  --cc-cream: #fff8ef;
  --cc-body: #55677a;
  --cc-heading: #0b2138;
  --cc-line: #e4ebf2;
  --cc-white: #ffffff;
  --cc-radius: 18px;
  --cc-radius-sm: 12px;
  --cc-shadow: 0 18px 45px rgba(8, 25, 46, .09);
  --cc-shadow-sm: 0 8px 22px rgba(8, 25, 46, .07);
  --cc-shadow-lift: 0 26px 60px rgba(8, 25, 46, .16);
  --cc-font: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, "Noto Sans", sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--cc-font);
  color: var(--cc-body);
  background: var(--cc-white);
  font-size: 1rem;
  line-height: 1.75;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6, .display-5, .display-6 {
  color: var(--cc-heading);
  font-weight: 800;
  letter-spacing: -.02em;
  line-height: 1.2;
}

h1 { font-size: clamp(2.1rem, 4.4vw, 3.5rem); }
h2 { font-size: clamp(1.65rem, 3vw, 2.45rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }

p { margin-bottom: 1rem; }

a { color: var(--cc-teal-dark); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--cc-teal); }

img { max-width: 100%; height: auto; }

::selection { background: var(--cc-amber); color: var(--cc-ink); }

.font-lg { font-size: 1.075rem; }
.text-body-soft { color: var(--cc-body) !important; }
.text-ink { color: var(--cc-heading) !important; }
.lead-lg { font-size: 1.12rem; line-height: 1.85; }

/* section rhythm */
.section { padding: 84px 0; position: relative; }
.section-sm { padding: 58px 0; }
.bg-soft { background: #f6f9fc; }
.bg-mint { background: var(--cc-teal-soft); }
.bg-cream-soft { background: var(--cc-cream); }
.bg-lav { background: var(--cc-plum-soft); }
.bg-sky-soft { background: var(--cc-sky-soft); }
.bg-ink { background: var(--cc-ink); color: #c3d2e2; }
.bg-ink h2, .bg-ink h3, .bg-ink h4 { color: #fff; }

/* --------------------------- section heading ---------------------------- */
.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--cc-teal-dark);
  background: var(--cc-teal-soft);
  border-radius: 999px;
  padding: 7px 16px;
  margin-bottom: 14px;
}
.eyebrow.amber { color: var(--cc-amber-dark); background: var(--cc-amber-soft); }
.eyebrow.plum { color: var(--cc-plum); background: var(--cc-plum-soft); }
.eyebrow.coral { color: var(--cc-coral); background: var(--cc-coral-soft); }
.eyebrow.sky { color: var(--cc-sky); background: var(--cc-sky-soft); }
.bg-ink .eyebrow { background: rgba(255, 255, 255, .12); color: #7fe3c8; }

.section-head { max-width: 720px; }
.section-head.center { margin: 0 auto; text-align: center; }
.section-head p { font-size: 1.05rem; margin-bottom: 0; }

/* ------------------------------ buttons -------------------------------- */
.btn { font-weight: 700; border-radius: 999px; padding: 12px 26px; border-width: 2px; transition: all .25s ease; }
.btn:focus, .btn:focus-visible { box-shadow: 0 0 0 .25rem rgba(14, 158, 126, .28); }

.btn-cc {
  background: linear-gradient(120deg, var(--cc-teal), var(--cc-teal-dark));
  border-color: transparent;
  color: #fff;
  box-shadow: 0 10px 24px rgba(14, 158, 126, .32);
}
.btn-cc:hover, .btn-cc:focus { background: linear-gradient(120deg, var(--cc-teal-dark), #085c48); color: #fff; transform: translateY(-2px); }

.btn-amber {
  background: linear-gradient(120deg, var(--cc-amber), var(--cc-amber-dark));
  border-color: transparent; color: var(--cc-ink);
  box-shadow: 0 10px 24px rgba(255, 176, 32, .34);
}
.btn-amber:hover, .btn-amber:focus { color: var(--cc-ink); transform: translateY(-2px); filter: brightness(1.04); }

.btn-outline-cc { border-color: var(--cc-teal); color: var(--cc-teal-dark); background: transparent; }
.btn-outline-cc:hover { background: var(--cc-teal); color: #fff; }

.btn-ghost-light { border-color: rgba(255, 255, 255, .55); color: #fff; background: transparent; }
.btn-ghost-light:hover { background: #fff; color: var(--cc-ink); border-color: #fff; }

.btn-plum { background: var(--cc-plum); border-color: transparent; color: #fff; }
.btn-plum:hover { background: #6438cc; color: #fff; }

.btn-lg { padding: 15px 34px; font-size: 1.03rem; }
.btn-sm { padding: 9px 20px; font-size: .88rem; }
.btn-link-arrow { font-weight: 700; color: var(--cc-teal-dark); display: inline-flex; align-items: center; gap: 8px; }
.btn-link-arrow svg { transition: transform .25s ease; }
.btn-link-arrow:hover svg { transform: translateX(5px); }

/* ------------------------------- cards --------------------------------- */
.cc-card {
  background: #fff;
  border: 1px solid var(--cc-line);
  border-radius: var(--cc-radius);
  box-shadow: var(--cc-shadow-sm);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  height: 100%;
  overflow: hidden;
  position: relative;
}
.cc-card:hover { transform: translateY(-8px); box-shadow: var(--cc-shadow-lift); border-color: transparent; }

/* service card (image + heading + text + button) */
.service-card .service-media { position: relative; overflow: hidden; }
.service-card .service-media img { width: 100%; height: 232px; object-fit: cover; transition: transform .6s ease; display: block; }
.service-card:hover .service-media img { transform: scale(1.07); }
.service-card .service-media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(8, 25, 46, 0) 40%, rgba(8, 25, 46, .55));
}
.service-card .service-icon {
  position: absolute; z-index: 2; bottom: -24px; right: 20px;
  width: 56px; height: 56px; border-radius: 16px;
  display: grid; place-items: center; color: #fff;
  box-shadow: 0 12px 26px rgba(8, 25, 46, .28);
  border: 3px solid #fff;
}
.service-card .service-body { padding: 26px 24px 26px; }
.service-card .service-body h3 { font-size: 1.24rem; margin-bottom: 10px; }
.service-card .service-body p { font-size: .97rem; margin-bottom: 18px; }
.service-tag {
  position: absolute; z-index: 2; top: 16px; left: 16px;
  background: rgba(255, 255, 255, .94); color: var(--cc-ink);
  font-size: .74rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase;
  padding: 6px 13px; border-radius: 999px;
}

/* accent colours reused on icons / badges */
.acc-teal { background: linear-gradient(135deg, #12b48f, #0a7a60); }
.acc-amber { background: linear-gradient(135deg, #ffc24b, #e08f00); color: var(--cc-ink) !important; }
.acc-plum { background: linear-gradient(135deg, #9a72ff, #6438cc); }
.acc-coral { background: linear-gradient(135deg, #ff8c7c, #e04a37); }
.acc-sky { background: linear-gradient(135deg, #5aa6f0, #1f6bbd); }
.acc-green { background: linear-gradient(135deg, #6fd39a, #22905c); }

/* ------------------------------ topbar/nav ------------------------------ */
.topbar {
  background: var(--cc-ink);
  color: #a9bdd2;
  font-size: .86rem;
  padding: 9px 0;
}
.topbar a { color: #dfe9f3; font-weight: 600; }
.topbar a:hover { color: var(--cc-amber); }
.topbar .tb-item { display: inline-flex; align-items: center; gap: 8px; margin-left: 22px; }
.topbar svg { flex: 0 0 auto; opacity: .85; }

.site-nav {
  background: rgba(255, 255, 255, .97);
  border-bottom: 1px solid var(--cc-line);
  padding: 10px 0;
  transition: box-shadow .3s ease, padding .3s ease;
}
.site-nav.is-stuck { box-shadow: 0 10px 30px rgba(8, 25, 46, .12); padding: 6px 0; }

.brand { display: inline-flex; align-items: center; gap: 12px; }
.brand-mark { width: 46px; height: 46px; flex: 0 0 auto; border-radius: 14px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--cc-teal), var(--cc-ink-2)); box-shadow: 0 8px 20px rgba(14, 158, 126, .35); }
.brand-text { line-height: 1.05; }
.brand-text strong { display: block; font-size: 1.2rem; font-weight: 800; color: var(--cc-heading); letter-spacing: -.02em; }
.brand-text span { font-size: .72rem; letter-spacing: .17em; text-transform: uppercase; color: var(--cc-teal-dark); font-weight: 700; }

.site-nav .navbar-nav .nav-link {
  font-weight: 700; color: var(--cc-heading); padding: 10px 14px !important;
  border-radius: 10px; font-size: .97rem; position: relative;
}
.site-nav .navbar-nav .nav-link:hover { color: var(--cc-teal-dark); background: var(--cc-teal-soft); }
.site-nav .navbar-nav .nav-link.active { color: var(--cc-teal-dark); }
.site-nav .navbar-nav .nav-link.active::after {
  content: ""; position: absolute; left: 14px; right: 14px; bottom: 3px; height: 3px;
  border-radius: 3px; background: linear-gradient(90deg, var(--cc-teal), var(--cc-amber));
}
.site-nav .dropdown-menu {
  border: 1px solid var(--cc-line); border-radius: 14px; padding: 10px;
  box-shadow: var(--cc-shadow); min-width: 290px; margin-top: 8px;
}
.site-nav .dropdown-item { border-radius: 10px; padding: 10px 14px; font-weight: 600; color: var(--cc-heading); font-size: .94rem; }
.site-nav .dropdown-item:hover { background: var(--cc-teal-soft); color: var(--cc-teal-dark); }
.site-nav .dropdown-item small { display: block; font-weight: 500; color: var(--cc-body); font-size: .8rem; }
.navbar-toggler { border: 2px solid var(--cc-line); border-radius: 12px; padding: 8px 11px; }
.navbar-toggler:focus { box-shadow: 0 0 0 .2rem rgba(14, 158, 126, .25); }

/* -------------------------------- hero --------------------------------- */
.hero {
  position: relative;
  background:
    radial-gradient(900px 480px at 88% 8%, rgba(14, 158, 126, .38), transparent 62%),
    radial-gradient(720px 420px at 6% 92%, rgba(255, 176, 32, .22), transparent 60%),
    linear-gradient(135deg, #05192b 0%, var(--cc-ink-2) 48%, #103f57 100%);
  color: #cfe0ee;
  overflow: hidden;
  padding: 88px 0 92px;
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, .09) 1px, transparent 1px);
  background-size: 26px 26px; opacity: .5; pointer-events: none;
}
.hero > .container { position: relative; z-index: 2; }
.hero h1 { color: #fff; }
.hero h1 .hl { color: var(--cc-amber); }
.hero p.hero-sub { font-size: 1.1rem; color: #bdd0e2; max-width: 560px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px; color: #dcebf7;
  background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .18);
  padding: 8px 18px; border-radius: 999px; font-size: .86rem; font-weight: 700; margin-bottom: 22px;
}
.hero-points { list-style: none; padding: 0; margin: 26px 0 0; display: grid; gap: 10px; }
.hero-points li { display: flex; gap: 10px; align-items: flex-start; font-weight: 600; color: #d9e7f3; font-size: .97rem; }
.hero-points svg { flex: 0 0 auto; margin-top: 4px; }

/* glass card used in hero */
.glass-card {
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 22px;
  padding: 26px;
  backdrop-filter: blur(8px);
  color: #dcebf7;
}
.glass-card h3, .glass-card h4 { color: #fff; }

/* quick form in hero */
.quick-form { background: #fff; border-radius: 22px; padding: 26px; box-shadow: var(--cc-shadow-lift); }
.quick-form h3 { font-size: 1.3rem; margin-bottom: 4px; }
.quick-form .form-note { font-size: .82rem; color: var(--cc-body); }

/* ------------------------------ stat cards ------------------------------ */
.stat-card {
  background: #fff; border: 1px solid var(--cc-line); border-radius: var(--cc-radius);
  padding: 26px 22px; text-align: center; height: 100%;
  box-shadow: var(--cc-shadow-sm); transition: transform .3s ease;
}
.stat-card:hover { transform: translateY(-6px); }
.stat-card .stat-num { font-size: 2.1rem; font-weight: 800; color: var(--cc-heading); letter-spacing: -.03em; line-height: 1.1; }
.stat-card .stat-num span { color: var(--cc-teal); }
.stat-card p { margin: 6px 0 0; font-size: .92rem; font-weight: 600; }
.stat-icon { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; color: #fff; margin: 0 auto 12px; }

/* --------------------------- feature tiles ------------------------------ */
.feature-tile {
  background: #fff; border: 1px solid var(--cc-line); border-radius: var(--cc-radius);
  padding: 28px 24px; height: 100%; box-shadow: var(--cc-shadow-sm);
  transition: transform .3s ease, box-shadow .3s ease;
}
.feature-tile:hover { transform: translateY(-6px); box-shadow: var(--cc-shadow); }
.feature-tile h3 { font-size: 1.1rem; margin: 16px 0 8px; }
.feature-tile p { font-size: .94rem; margin-bottom: 0; }
.icon-badge { width: 54px; height: 54px; border-radius: 16px; display: grid; place-items: center; color: #fff; }

/* ------------------------------- steps --------------------------------- */
.steps { position: relative; }
.step-item { background: #fff; border-radius: var(--cc-radius); padding: 30px 24px; height: 100%;
  border: 1px solid var(--cc-line); box-shadow: var(--cc-shadow-sm); position: relative; }
.step-item .step-num {
  position: absolute; top: -20px; left: 24px; width: 46px; height: 46px; border-radius: 14px;
  display: grid; place-items: center; font-weight: 800; color: #fff; font-size: 1.05rem;
  background: linear-gradient(135deg, var(--cc-teal), var(--cc-ink-2)); box-shadow: 0 10px 22px rgba(8, 25, 46, .22);
}
.step-item h3 { font-size: 1.08rem; margin: 22px 0 8px; }
.step-item p { font-size: .93rem; margin-bottom: 0; }

/* ---------------------------- testimonials ----------------------------- */
.testimonial-card {
  background: #fff; border-radius: var(--cc-radius); padding: 30px 26px 26px; height: 100%;
  border: 1px solid var(--cc-line); box-shadow: var(--cc-shadow-sm); position: relative;
  transition: transform .3s ease, box-shadow .3s ease;
}
.testimonial-card:hover { transform: translateY(-6px); box-shadow: var(--cc-shadow); }
.testimonial-card .quote-mark {
  position: absolute; top: 18px; right: 24px; font-size: 3.6rem; line-height: 1; color: var(--cc-teal-soft); font-family: Georgia, serif;
}
.testimonial-card blockquote { font-size: .98rem; color: var(--cc-body); margin: 14px 0 20px; position: relative; z-index: 2; }
.stars { color: var(--cc-amber); letter-spacing: 2px; font-size: 1rem; }
.person { display: flex; align-items: center; gap: 12px; }
.avatar-initial {
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  font-weight: 800; color: #fff; font-size: 1rem; flex: 0 0 auto;
}
.person strong { display: block; color: var(--cc-heading); font-size: 1rem; font-weight: 800; }
.person span { font-size: .84rem; color: var(--cc-body); }

/* ------------------------------- blog ---------------------------------- */
.post-card { overflow: hidden; }
.post-card .post-media { overflow: hidden; }
.post-card .post-media img { width: 100%; height: 220px; object-fit: cover; transition: transform .6s ease; display: block; }
.post-card:hover .post-media img { transform: scale(1.06); }
.post-card .post-body { padding: 24px; }
.post-card h3 { font-size: 1.16rem; margin-bottom: 10px; }
.post-card h3 a { color: var(--cc-heading); }
.post-card h3 a:hover { color: var(--cc-teal-dark); }
.post-card p { font-size: .95rem; }

/* --------------------------- article / prose ---------------------------- */
.article-hero {
  background:
    radial-gradient(700px 340px at 85% 10%, rgba(123, 77, 227, .35), transparent 60%),
    linear-gradient(135deg, #05192b, var(--cc-ink-2) 60%, #123e54);
  color: #cfdfee; padding: 74px 0 66px;
}
.article-hero h1 { color: #fff; font-size: clamp(1.8rem, 3.4vw, 2.75rem); max-width: 900px; }
.article-hero .crumb { font-size: .88rem; color: #9db3c8; }
.article-hero .crumb a { color: #d9e7f3; }

.prose { font-size: 1.065rem; line-height: 1.9; }
.prose > p { margin-bottom: 1.35rem; }
.prose h2 { font-size: 1.5rem; margin: 40px 0 14px; }
.prose h3 { font-size: 1.2rem; margin: 28px 0 10px; }
.prose ul, .prose ol { margin: 0 0 1.35rem; padding-left: 1.3rem; }
.prose li { margin-bottom: 8px; }
.prose img { border-radius: var(--cc-radius); box-shadow: var(--cc-shadow); margin: 8px 0 28px; }
.prose .callout {
  background: var(--cc-teal-soft); border-left: 5px solid var(--cc-teal);
  border-radius: 14px; padding: 20px 22px; margin: 26px 0; color: var(--cc-heading); font-weight: 600;
}
.prose .callout.amber { background: var(--cc-amber-soft); border-left-color: var(--cc-amber); }
.prose .callout.plum { background: var(--cc-plum-soft); border-left-color: var(--cc-plum); }
.prose blockquote {
  border-left: 5px solid var(--cc-amber); background: var(--cc-cream);
  padding: 18px 22px; border-radius: 14px; font-style: italic; color: var(--cc-heading); margin: 26px 0;
}
.sidebar-card { background: #fff; border: 1px solid var(--cc-line); border-radius: var(--cc-radius); padding: 24px; box-shadow: var(--cc-shadow-sm); }
.sidebar-card h3 { font-size: 1.05rem; margin-bottom: 14px; }
.sidebar-list { list-style: none; padding: 0; margin: 0; }
.sidebar-list li { padding: 10px 0; border-bottom: 1px dashed var(--cc-line); }
.sidebar-list li:last-child { border-bottom: 0; }
.sidebar-list a { font-weight: 600; font-size: .94rem; color: var(--cc-heading); }
.sidebar-list a:hover { color: var(--cc-teal-dark); }
.sticky-side { position: sticky; top: 100px; }

/* ------------------------------ page hero ------------------------------- */
.page-hero {
  background:
    radial-gradient(760px 360px at 88% 6%, rgba(14, 158, 126, .34), transparent 62%),
    linear-gradient(135deg, #05192b, var(--cc-ink-2) 58%, #113c52);
  color: #cbdcea; padding: 68px 0 58px;
}
.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero p { color: #b9cddf; max-width: 700px; margin-bottom: 0; font-size: 1.05rem; }
.page-hero .crumb { font-size: .88rem; color: #9db3c8; margin-bottom: 14px; }
.page-hero .crumb a { color: #dcebf7; }
.page-hero .crumb a:hover { color: var(--cc-amber); }

/* -------------------------------- forms -------------------------------- */
.form-label { font-weight: 700; color: var(--cc-heading); font-size: .9rem; margin-bottom: 6px; }
.form-control, .form-select {
  border: 2px solid var(--cc-line); border-radius: 12px; padding: 12px 15px;
  font-size: .96rem; color: var(--cc-heading); background-color: #fff; transition: border-color .2s ease, box-shadow .2s ease;
}
.form-control::placeholder { color: #9aabbd; }
.form-control:focus, .form-select:focus {
  border-color: var(--cc-teal); box-shadow: 0 0 0 .22rem rgba(14, 158, 126, .16); color: var(--cc-heading);
}
.form-control.is-invalid, .form-select.is-invalid { border-color: #e0503c; background-image: none; }
.form-control.is-valid, .form-select.is-valid { border-color: var(--cc-teal); background-image: none; }
.invalid-feedback { font-size: .84rem; font-weight: 600; }
.form-check-input { width: 1.15rem; height: 1.15rem; border: 2px solid var(--cc-line); margin-top: .25rem; }
.form-check-input:checked { background-color: var(--cc-teal); border-color: var(--cc-teal); }
.form-check-input:focus { box-shadow: 0 0 0 .2rem rgba(14, 158, 126, .2); }
.form-check-label { font-size: .92rem; }
.form-card { background: #fff; border: 1px solid var(--cc-line); border-radius: var(--cc-radius); padding: 30px; box-shadow: var(--cc-shadow); }
.form-note { font-size: .84rem; color: var(--cc-body); }
.hp-field { position: absolute !important; left: -9999px !important; opacity: 0; height: 0; width: 0; overflow: hidden; }

.form-alert { border-radius: 14px; border: 0; font-weight: 600; padding: 15px 18px; display: none; }
.form-alert.show { display: flex; gap: 10px; align-items: flex-start; }
.form-alert.ok { background: var(--cc-teal-soft); color: #0a6b55; }
.form-alert.err { background: var(--cc-coral-soft); color: #b83a26; }
.spinner-btn .spinner-border { width: 1rem; height: 1rem; border-width: .16em; }
.btn[disabled] { opacity: .75; }

/* info tiles on contact page */
.info-tile { background: #fff; border: 1px solid var(--cc-line); border-radius: var(--cc-radius); padding: 24px; height: 100%; box-shadow: var(--cc-shadow-sm); }
.info-tile h3 { font-size: 1.02rem; margin: 14px 0 6px; }
.info-tile p, .info-tile a { font-size: .95rem; margin-bottom: 0; color: var(--cc-body); font-weight: 600; }
.info-tile a:hover { color: var(--cc-teal-dark); }
.map-shell { border-radius: var(--cc-radius); overflow: hidden; border: 1px solid var(--cc-line); box-shadow: var(--cc-shadow-sm); background: var(--cc-ink-2); }
.map-fallback { padding: 40px 26px; color: #c8d8e6; text-align: center; background:
  radial-gradient(500px 240px at 20% 20%, rgba(14, 158, 126, .35), transparent 60%), var(--cc-ink-2); }
.map-fallback code { color: var(--cc-amber); }

/* ------------------------------- CTA band ------------------------------- */
.cta-band {
  border-radius: 26px; padding: 48px;
  background:
    radial-gradient(560px 280px at 90% 10%, rgba(255, 176, 32, .32), transparent 60%),
    linear-gradient(135deg, #062b3f, var(--cc-ink-2) 55%, #0d3b52);
  color: #cde0ef; box-shadow: var(--cc-shadow-lift);
}
.cta-band h2 { color: #fff; }
.newsletter-band {
  border-radius: 26px; padding: 44px;
  background: linear-gradient(120deg, var(--cc-teal) 0%, #0b6f6b 55%, #12506d 100%);
  color: #e6f6f2; box-shadow: var(--cc-shadow-lift); position: relative; overflow: hidden;
}
.newsletter-band::after {
  content: ""; position: absolute; width: 320px; height: 320px; right: -80px; top: -120px;
  background: rgba(255, 255, 255, .12); border-radius: 50%;
}
.newsletter-band h2 { color: #fff; }
.newsletter-band .form-control { border-color: transparent; }
.newsletter-band .form-control:focus { border-color: var(--cc-amber); }

/* ------------------------------- footer -------------------------------- */
.site-footer { background: var(--cc-ink); color: #a5bacd; padding: 66px 0 0; }
.site-footer h3 { color: #fff; font-size: 1.02rem; letter-spacing: .02em; margin-bottom: 18px; }
.site-footer a { color: #a5bacd; font-size: .94rem; }
.site-footer a:hover { color: var(--cc-amber); }
.site-footer .f-links { list-style: none; padding: 0; margin: 0; }
.site-footer .f-links li { margin-bottom: 11px; display: flex; gap: 9px; align-items: flex-start; }
.site-footer .brand-text strong { color: #fff; }
.site-footer .brand-text span { color: #6fd8bb; }
.footer-desc { font-size: .94rem; color: #9fb4c8; }
.f-contact { list-style: none; padding: 0; margin: 18px 0 0; }
.f-contact li { display: flex; gap: 11px; margin-bottom: 12px; font-size: .94rem; align-items: flex-start; }
.f-contact svg { flex: 0 0 auto; margin-top: 3px; color: var(--cc-teal); }
.social-row { display: flex; gap: 10px; margin-top: 20px; }
.social-row a {
  width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center;
  background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .12); color: #d5e4f0;
  transition: all .25s ease;
}
.social-row a:hover { background: var(--cc-teal); color: #fff; transform: translateY(-3px); border-color: transparent; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .1); margin-top: 52px; padding: 22px 0; font-size: .87rem; }
.footer-bottom .fb-links a { margin-left: 18px; }
.disclaimer { font-size: .8rem; color: #7e93a8; margin-top: 10px; line-height: 1.7; }

/* --------------------------- misc / utilities --------------------------- */
.back-to-top {
  position: fixed; right: 22px; bottom: 24px; width: 46px; height: 46px; border-radius: 14px;
  display: grid; place-items: center; border: 0; z-index: 1030; color: #fff;
  background: linear-gradient(135deg, var(--cc-teal), var(--cc-ink-2)); box-shadow: var(--cc-shadow);
  opacity: 0; visibility: hidden; transition: all .3s ease;
}
.back-to-top.show { opacity: 1; visibility: visible; }
.back-to-top:hover { transform: translateY(-4px); }

.divider-wave { display: block; width: 100%; height: auto; }

/* scroll reveal */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* policy pages */
.policy-body h2 { font-size: 1.35rem; margin: 34px 0 12px; }
.policy-body h3 { font-size: 1.1rem; margin: 24px 0 10px; }
.policy-body ul { padding-left: 1.25rem; }
.policy-body li { margin-bottom: 8px; }
.policy-toc { background: var(--cc-cream); border: 1px solid var(--cc-line); border-radius: var(--cc-radius); padding: 22px 24px; }
.policy-toc ol { margin: 0; padding-left: 1.2rem; }
.policy-toc li { margin-bottom: 6px; font-weight: 600; }
.last-updated { font-size: .9rem; color: var(--cc-body); }

/* accordion (FAQ / terms) */
.accordion-item { border: 1px solid var(--cc-line); border-radius: 14px !important; margin-bottom: 12px; overflow: hidden; }
.accordion-button { font-weight: 700; color: var(--cc-heading); background: #fff; padding: 18px 20px; }
.accordion-button:not(.collapsed) { background: var(--cc-teal-soft); color: var(--cc-teal-dark); box-shadow: none; }
.accordion-button:focus { box-shadow: 0 0 0 .2rem rgba(14, 158, 126, .18); }
.accordion-body { font-size: .97rem; }

/* ------------------------------ responsive ------------------------------ */
@media (max-width: 991.98px) {
  .section { padding: 64px 0; }
  .hero { padding: 64px 0 72px; }
  .site-nav .navbar-collapse {
    background: #fff; border: 1px solid var(--cc-line); border-radius: 16px;
    padding: 14px; margin-top: 12px; box-shadow: var(--cc-shadow);
  }
  .site-nav .navbar-nav .nav-link.active::after { display: none; }
  .cta-band, .newsletter-band { padding: 32px; }
  .sticky-side { position: static; }
}
@media (max-width: 575.98px) {
  .section { padding: 52px 0; }
  .topbar .tb-item { margin-left: 0; margin-right: 16px; }
  .quick-form, .form-card { padding: 22px; }
  .cta-band, .newsletter-band { padding: 26px 20px; border-radius: 20px; }
  .service-card .service-media img { height: 200px; }
}