/* ==========================================================================
   Wise Money Credit — Global Stylesheet
   Palette: deep emerald + warm gold on cream (distinctive, non-generic blue)
   ========================================================================== */

:root {
  --ink: #0b2521;
  --ink-soft: #14332c;
  --brand: #0f5c4a;
  --brand-2: #12836a;
  --brand-light: #dff0e9;
  --gold: #c99b2e;
  --gold-light: #f6e8c2;
  --cream: #fbf7ef;
  --sand: #f4ecdd;
  --line: #e6ded0;
  --muted: #5f6f69;
  --white: #ffffff;
  --radius: 18px;
  --shadow-sm: 0 6px 18px rgba(11, 37, 33, 0.06);
  --shadow-md: 0 18px 40px rgba(11, 37, 33, 0.10);
  --shadow-lg: 0 28px 60px rgba(11, 37, 33, 0.16);
  --font-body: "Segoe UI", Roboto, "Helvetica Neue", Arial, system-ui, sans-serif;
  --font-head: Georgia, "Times New Roman", "Iowan Old Style", serif;
}

* { -webkit-font-smoothing: antialiased; }

html { scroll-behavior: smooth; overflow-x: hidden; }

body {
  font-family: var(--font-body);
  color: #33443f;
  background: var(--white);
  line-height: 1.75;
  font-size: 1rem;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, .display-serif {
  font-family: var(--font-head);
  color: var(--ink);
  line-height: 1.18;
  letter-spacing: -0.015em;
  font-weight: 700;
}

h1 { font-size: clamp(2.1rem, 4.4vw, 3.65rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 1.8vw, 1.5rem); }

p { margin-bottom: 1.05rem; }

a { color: var(--brand); text-decoration: none; transition: color .22s ease; }
a:hover { color: var(--gold); }

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

::selection { background: var(--gold-light); color: var(--ink); }

.text-brand { color: var(--brand) !important; }
.text-gold { color: var(--gold) !important; }
.text-ink { color: var(--ink) !important; }
.text-muted-2 { color: var(--muted) !important; }
.bg-cream { background: var(--cream) !important; }
.bg-sand { background: var(--sand) !important; }
.bg-ink { background: var(--ink) !important; }

.section { padding: 92px 0; }
.section-sm { padding: 60px 0; }
.section-tight { padding: 72px 0; }

.container { max-width: 1180px; }

/* ------------------------------- Buttons ------------------------------- */
.btn {
  border-radius: 999px;
  font-weight: 600;
  letter-spacing: .01em;
  padding: .78rem 1.7rem;
  transition: transform .25s ease, box-shadow .25s ease, background .25s ease, color .25s ease;
  border: 1.5px solid transparent;
  font-size: .95rem;
}
.btn:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }

.btn-brand {
  background: var(--brand);
  color: #fff;
  box-shadow: 0 10px 24px rgba(15, 92, 74, .24);
}
.btn-brand:hover { background: var(--brand-2); color: #fff; transform: translateY(-2px); box-shadow: 0 16px 32px rgba(15, 92, 74, .3); }

.btn-gold {
  background: var(--gold);
  color: #20180a;
  box-shadow: 0 10px 24px rgba(201, 155, 46, .3);
}
.btn-gold:hover { background: #ddaa38; color: #20180a; transform: translateY(-2px); }

.btn-outline-brand {
  border-color: rgba(15, 92, 74, .35);
  color: var(--brand);
  background: transparent;
}
.btn-outline-brand:hover { background: var(--brand); border-color: var(--brand); color: #fff; transform: translateY(-2px); }

.btn-outline-light-2 {
  border-color: rgba(255, 255, 255, .55);
  color: #fff;
}
.btn-outline-light-2:hover { background: #fff; color: var(--ink); border-color: #fff; }

.btn-sm { padding: .55rem 1.25rem; font-size: .85rem; }
.btn-lg { padding: .95rem 2.1rem; font-size: 1.02rem; }

.link-arrow { font-weight: 600; color: var(--brand); display: inline-flex; align-items: center; gap: .45rem; }
.link-arrow svg { transition: transform .25s ease; }
.link-arrow:hover { color: var(--gold); }
.link-arrow:hover svg { transform: translateX(5px); }

/* -------------------------------- Topbar ------------------------------- */
.topbar {
  background: var(--ink);
  color: #cfe3dc;
  font-size: .84rem;
  padding: .55rem 0;
}
.topbar a { color: #dcece6; }
.topbar a:hover { color: var(--gold); }
.topbar .divider { opacity: .3; padding: 0 .6rem; }
.topbar-item { display: inline-flex; align-items: center; gap: .45rem; white-space: nowrap; }
.topbar svg { color: var(--gold); flex: 0 0 auto; }

/* -------------------------------- Header ------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1030;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .3s ease, padding .3s ease;
}
.site-header.scrolled { box-shadow: 0 10px 30px rgba(11, 37, 33, .09); }
.navbar-custom { padding: .85rem 0; }

/* Logo: single line, identical wordmark on every page */
.brand {
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  white-space: nowrap;
  flex-wrap: nowrap;
  text-decoration: none;
}
.brand-mark {
  width: 40px;
  height: 40px;
  border-radius: 11px;
  background: linear-gradient(140deg, var(--brand) 0%, var(--brand-2) 100%);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.22rem;
  box-shadow: 0 8px 18px rgba(15, 92, 74, .26);
  position: relative;
  overflow: hidden;
  flex: 0 0 auto;
}
.brand-mark::after {
  content: "";
  position: absolute;
  inset: auto -30% -55% -30%;
  height: 70%;
  background: rgba(255, 255, 255, .16);
  transform: rotate(-18deg);
}
.brand-text {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.32rem;
  letter-spacing: -0.02em;
  color: var(--ink);
  line-height: 1;
  white-space: nowrap;
}
.brand-text .accent { color: var(--brand); }
.brand:hover .brand-text { color: var(--ink); }
.brand:hover .brand-text .accent { color: var(--gold); }
.brand-sub {
  display: block;
  font-family: var(--font-body);
  font-size: .58rem;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-top: 4px;
}
.brand--light .brand-text { color: #fff; }
.brand--light .brand-text .accent { color: #7fd6bd; }

.navbar-custom .nav-link {
  font-weight: 600;
  font-size: .93rem;
  color: var(--ink);
  padding: .6rem .85rem !important;
  position: relative;
}
.navbar-custom .nav-link::after {
  content: "";
  position: absolute;
  left: .85rem;
  right: .85rem;
  bottom: .3rem;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .28s ease;
}
.navbar-custom .nav-link:hover::after,
.navbar-custom .nav-link.active::after { transform: scaleX(1); }
.navbar-custom .nav-link.active { color: var(--brand); }

.navbar-toggler { border: 1px solid var(--line); padding: .45rem .6rem; border-radius: 10px; }
.navbar-toggler:focus { box-shadow: none; }
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath stroke='%230f5c4a' stroke-width='2.4' stroke-linecap='round' d='M4 8h22M4 15h22M4 22h22'/%3E%3C/svg%3E");
}

.dropdown-menu {
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: .5rem;
  box-shadow: var(--shadow-md);
  font-size: .92rem;
  margin-top: .55rem;
}
.dropdown-item { border-radius: 9px; padding: .55rem .8rem; font-weight: 500; color: #40514b; }
.dropdown-item:hover, .dropdown-item:focus { background: var(--brand-light); color: var(--brand); }

/* --------------------------------- Hero -------------------------------- */
.hero {
  position: relative;
  background:
    radial-gradient(1000px 520px at 88% -8%, #e8f4ee 0%, rgba(232, 244, 238, 0) 62%),
    radial-gradient(760px 420px at -6% 100%, #fdf1d6 0%, rgba(253, 241, 214, 0) 60%),
    var(--cream);
  padding: 78px 0 96px;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(15, 92, 74, .09) 1px, transparent 1px);
  background-size: 22px 22px;
  opacity: .55;
  mask-image: radial-gradient(720px 380px at 78% 32%, #000 0%, transparent 78%);
  -webkit-mask-image: radial-gradient(720px 380px at 78% 32%, #000 0%, transparent 78%);
}
.hero > .container { position: relative; z-index: 2; }
.hero h1 { margin-bottom: 1.15rem; }
.hero h1 em { font-style: normal; color: var(--brand); position: relative; }
.hero h1 em::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: .1em;
  height: .22em;
  background: var(--gold-light);
  z-index: -1;
  border-radius: 3px;
}
.hero-lead { font-size: 1.09rem; color: #4b5d57; max-width: 34rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .85rem; margin-top: 1.9rem; }

.hero-visual { position: relative; }
.hero-img-wrap {
  position: relative;
  border-radius: 26px 26px 110px 26px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 7px solid #fff;
}
.hero-img-wrap img { width: 100%; height: 470px; object-fit: cover; display: block; }
.hero-badge {
  position: absolute;
  background: #fff;
  border-radius: 16px;
  box-shadow: var(--shadow-md);
  padding: .85rem 1.1rem;
  display: flex;
  align-items: center;
  gap: .7rem;
  z-index: 3;
}
.hero-badge .hb-icon {
  width: 40px; height: 40px; border-radius: 11px;
  background: var(--brand-light); color: var(--brand);
  display: grid; place-items: center; flex: 0 0 auto;
}
.hero-badge strong { display: block; color: var(--ink); font-size: .95rem; line-height: 1.2; font-family: var(--font-head); }
.hero-badge span { font-size: .76rem; color: var(--muted); }
.hero-badge--tl { top: 22px; left: -22px; animation: floaty 6s ease-in-out infinite; }
.hero-badge--br { bottom: 26px; right: -14px; animation: floaty 7s ease-in-out infinite .8s; }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-11px); } }

/* ------------------------------ Trust strip ---------------------------- */
.trust-strip { background: var(--ink); padding: 26px 0; }
.trust-item {
  display: flex; align-items: center; gap: .8rem;
  color: #d8e8e2; font-size: .9rem; font-weight: 500; line-height: 1.3;
}
.trust-item svg { color: var(--gold); flex: 0 0 auto; }
.trust-item small { display: block; color: #9fb9b0; font-size: .76rem; font-weight: 400; }

/* ------------------------------ Section head --------------------------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .19em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: .9rem;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); display: inline-block; }
.eyebrow--center::after { content: ""; width: 26px; height: 2px; background: var(--gold); display: inline-block; }
.section-title { margin-bottom: 1rem; }
.section-lead { color: var(--muted); font-size: 1.02rem; max-width: 46rem; }
/* centre the lead paragraph under centred headings */
.row.justify-content-center.text-center .section-lead { margin-left: auto; margin-right: auto; }

/* ------------------------------ Service card --------------------------- */
.service-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  position: relative;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); border-color: rgba(15, 92, 74, .22); }
.service-card .sc-media { position: relative; overflow: hidden; }
.service-card .sc-media img {
  width: 100%;
  height: 210px;
  object-fit: cover;
  transition: transform .55s ease;
  display: block;
}
.service-card:hover .sc-media img { transform: scale(1.07); }
.sc-icon {
  position: absolute;
  bottom: -22px;
  right: 20px;
  width: 48px; height: 48px;
  border-radius: 13px;
  background: #fff;
  color: var(--brand);
  display: grid;
  place-items: center;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
  transition: background .3s ease, color .3s ease;
}
.service-card:hover .sc-icon { background: var(--brand); color: #fff; border-color: var(--brand); }
.sc-body { padding: 1.6rem 1.5rem 1.5rem; display: flex; flex-direction: column; flex: 1 1 auto; }
.sc-body h3 { font-size: 1.24rem; margin-bottom: .55rem; }
.sc-body h3 a { color: inherit; }
.sc-body h3 a:hover { color: var(--brand); }
.sc-body p { color: var(--muted); font-size: .93rem; margin-bottom: 1.15rem; }
.sc-body .btn { margin-top: auto; align-self: flex-start; }

/* ------------------------------- Feature box --------------------------- */
.feature-box {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2rem 1.6rem;
  height: 100%;
  transition: transform .3s ease, box-shadow .3s ease;
}
.feature-box:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.feature-box .fb-icon {
  width: 54px; height: 54px;
  border-radius: 15px;
  background: var(--brand-light);
  color: var(--brand);
  display: grid; place-items: center;
  margin-bottom: 1.15rem;
  transition: background .3s ease, color .3s ease, transform .3s ease;
}
.feature-box:hover .fb-icon { background: var(--brand); color: #fff; transform: rotate(-6deg); }
.feature-box h3 { font-size: 1.12rem; margin-bottom: .5rem; }
.feature-box p { color: var(--muted); font-size: .92rem; margin: 0; }

/* -------------------------------- Stats -------------------------------- */
.stats-band {
  background: linear-gradient(120deg, var(--ink) 0%, #0d3f34 55%, var(--brand) 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.stats-band::after {
  content: "";
  position: absolute;
  width: 460px; height: 460px;
  border-radius: 50%;
  border: 70px solid rgba(201, 155, 46, .12);
  right: -140px; top: -170px;
}
/* -------------------------------- Steps -------------------------------- */
.step-item { position: relative; padding: 0 .5rem; height: 100%; }
.step-num {
  width: 62px; height: 62px;
  border-radius: 50%;
  background: #fff;
  border: 1.5px dashed rgba(15, 92, 74, .4);
  color: var(--brand);
  font-family: var(--font-head);
  font-size: 1.35rem;
  font-weight: 700;
  display: grid; place-items: center;
  margin: 0 auto 1.25rem;
  position: relative;
  transition: background .3s ease, color .3s ease, border-color .3s ease;
}
.step-item:hover .step-num { background: var(--brand); color: #fff; border-color: var(--brand); }
.step-item h3 { font-size: 1.06rem; text-align: center; margin-bottom: .45rem; }
.step-item p { color: var(--muted); font-size: .89rem; text-align: center; margin: 0; }
.step-line {
  position: absolute;
  top: 31px;
  left: 62%;
  width: 76%;
  border-top: 1.5px dashed rgba(15, 92, 74, .28);
}

/* ----------------------------- Testimonials ---------------------------- */
.testimonial-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2rem 1.75rem 1.75rem;
  height: 100%;
  position: relative;
  transition: transform .3s ease, box-shadow .3s ease;
}
.testimonial-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.testimonial-card .quote-mark {
  font-family: var(--font-head);
  font-size: 4.2rem;
  line-height: .7;
  color: var(--gold-light);
  position: absolute;
  top: 1.15rem; right: 1.3rem;
  user-select: none;
}
.stars { color: var(--gold); letter-spacing: .12em; font-size: .95rem; margin-bottom: .9rem; }
.testimonial-card p { color: #465852; font-size: .96rem; font-style: italic; margin-bottom: 1.35rem; }
.t-name {
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--ink);
  font-size: 1.02rem;
  display: flex;
  align-items: center;
  gap: .6rem;
}
.t-name::before { content: ""; width: 26px; height: 2px; background: var(--brand); }

/* ------------------------------ 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 .3s ease, box-shadow .3s ease;
}
.blog-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-md); }
.blog-card .bc-media { overflow: hidden; }
.blog-card .bc-media img { width: 100%; height: 215px; object-fit: cover; display: block; transition: transform .55s ease; }
.blog-card:hover .bc-media img { transform: scale(1.06); }
.blog-card .bc-body { padding: 1.5rem; display: flex; flex-direction: column; flex: 1 1 auto; }
.blog-card h3 { font-size: 1.14rem; line-height: 1.35; margin-bottom: .6rem; }
.blog-card h3 a { color: inherit; }
.blog-card h3 a:hover { color: var(--brand); }
.blog-card p { color: var(--muted); font-size: .91rem; flex: 1 1 auto; }

/* -------------------------------- CTA band ----------------------------- */
.cta-band {
  position: relative;
  background: linear-gradient(115deg, var(--brand) 0%, #0b3d31 60%, var(--ink) 100%);
  border-radius: 26px;
  color: #fff;
  padding: 3.4rem 3rem;
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, .14) 1px, transparent 1px);
  background-size: 20px 20px;
  opacity: .5;
}
.cta-band::after {
  content: "";
  position: absolute;
  width: 330px; height: 330px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201, 155, 46, .34) 0%, transparent 68%);
  right: -60px; bottom: -120px;
}
.cta-band h2, .cta-band p { color: #fff; position: relative; z-index: 2; }
.cta-band p { color: #cfe4dc; margin-bottom: 0; }
.cta-band .cta-inner { position: relative; z-index: 2; }

/* ---------------------------- Newsletter band -------------------------- */
.newsletter-wrap {
  background: var(--sand);
  border: 1px solid var(--line);
  border-radius: 26px;
  padding: 3rem;
  position: relative;
  overflow: hidden;
}
.newsletter-wrap::after {
  content: "";
  position: absolute;
  width: 260px; height: 260px;
  border-radius: 50%;
  border: 46px solid rgba(15, 92, 74, .07);
  right: -70px; top: -90px;
}
.newsletter-wrap h2 { font-size: clamp(1.5rem, 2.4vw, 2.1rem); }

/* -------------------------------- Forms -------------------------------- */
.form-label { font-weight: 600; font-size: .87rem; color: var(--ink); margin-bottom: .4rem; }
.form-control, .form-select {
  border-radius: 12px;
  border: 1.5px solid var(--line);
  padding: .78rem 1rem;
  font-size: .94rem;
  background-color: #fff;
  color: #33443f;
  transition: border-color .22s ease, box-shadow .22s ease;
}
.form-control:focus, .form-select:focus {
  border-color: var(--brand);
  box-shadow: 0 0 0 4px rgba(15, 92, 74, .1);
  color: #33443f;
}
.form-control::placeholder { color: #9aa8a3; }
textarea.form-control { min-height: 140px; resize: vertical; }
.form-check-input:checked { background-color: var(--brand); border-color: var(--brand); }
.form-check-input:focus { box-shadow: 0 0 0 4px rgba(15, 92, 74, .12); border-color: var(--brand); }
.form-check-label { font-size: .88rem; color: var(--muted); }
.invalid-feedback { font-size: .8rem; }
.was-validated .form-control:invalid, .form-control.is-invalid { border-color: #c0392b; background-image: none; }
.was-validated .form-check-input:invalid { border-color: #c0392b; }

.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 2.4rem;
  box-shadow: var(--shadow-md);
}
.form-note { font-size: .8rem; color: var(--muted); }

.form-alert {
  display: none;
  border-radius: 14px;
  padding: 1rem 1.15rem;
  font-size: .92rem;
  margin-bottom: 1.4rem;
  border: 1px solid transparent;
}
.form-alert.show { display: flex; gap: .7rem; align-items: flex-start; animation: popIn .35s ease; }
.form-alert.success { background: #e6f5ee; border-color: #bfe4d3; color: #14624a; }
.form-alert.error { background: #fdecea; border-color: #f5c6c0; color: #a3301f; }
@keyframes popIn { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }

/* Inline newsletter form */
.newsletter-form .input-group {
  background: #fff;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  padding: .3rem .3rem .3rem .4rem;
  display: flex;
  align-items: center;
}
.newsletter-form .input-group .form-control {
  border: 0;
  background: transparent;
  box-shadow: none !important;
  padding: .6rem .9rem;
}
.newsletter-form .btn { flex: 0 0 auto; }

/* ------------------------------ Page header ---------------------------- */
.page-hero {
  background: linear-gradient(120deg, var(--ink) 0%, #0c4437 58%, var(--brand) 100%);
  color: #fff;
  padding: 82px 0 78px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, .13) 1px, transparent 1px);
  background-size: 24px 24px;
  opacity: .45;
}
.page-hero::after {
  content: "";
  position: absolute;
  width: 400px; height: 400px;
  border-radius: 50%;
  border: 64px solid rgba(201, 155, 46, .13);
  right: -120px; bottom: -190px;
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; margin-bottom: .85rem; }
.page-hero p { color: #cfe4dc; max-width: 44rem; margin-bottom: 0; }
.breadcrumb-custom {
  display: flex; flex-wrap: wrap; gap: .5rem;
  font-size: .84rem; color: #a9c7bd; margin-top: 1.3rem; align-items: center;
}
.breadcrumb-custom a { color: #fff; }
.breadcrumb-custom a:hover { color: var(--gold); }
.breadcrumb-custom .sep { opacity: .55; }

/* -------------------------------- Content ------------------------------ */
.prose { font-size: 1.02rem; color: #41534d; }
.prose h2 { font-size: clamp(1.4rem, 2.2vw, 1.85rem); margin: 2.4rem 0 1rem; }
.prose h3 { font-size: 1.22rem; margin: 1.9rem 0 .8rem; }
.prose p { margin-bottom: 1.25rem; }
.prose ul, .prose ol { margin-bottom: 1.35rem; padding-left: 1.2rem; }
.prose li { margin-bottom: .55rem; }
.prose ul li::marker { color: var(--brand); }
.prose strong { color: var(--ink); }
.prose blockquote {
  border-left: 4px solid var(--gold);
  background: var(--cream);
  padding: 1.4rem 1.6rem;
  border-radius: 0 14px 14px 0;
  font-family: var(--font-head);
  font-size: 1.1rem;
  color: var(--ink);
  margin: 2rem 0;
}
.prose img { border-radius: 18px; margin-bottom: 1.5rem; box-shadow: var(--shadow-sm); }

.sidebar-card {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 1.8rem;
  margin-bottom: 1.5rem;
}
.sidebar-card h3 { font-size: 1.12rem; margin-bottom: .9rem; }
.sidebar-card ul { list-style: none; padding: 0; margin: 0; }
.sidebar-card ul li { border-bottom: 1px dashed var(--line); padding: .7rem 0; font-size: .92rem; }
.sidebar-card ul li:last-child { border-bottom: 0; padding-bottom: 0; }
.sidebar-card ul li a { color: #40514b; font-weight: 500; display: flex; justify-content: space-between; gap: .8rem; }
.sidebar-card ul li a:hover { color: var(--brand); }
.sidebar-card ul.contact-mini { list-style: none; padding: 0; margin: 1.2rem 0 0; }
.sidebar-card ul.contact-mini li { border: 0; padding: .35rem 0; display: flex; align-items: center; gap: .55rem; font-size: .9rem; color: #cfe0da; }
.sidebar-card ul.contact-mini li svg { color: var(--gold); flex: 0 0 auto; }
.sidebar-card ul.contact-mini li a { color: #fff; display: inline; justify-content: flex-start; }
.sidebar-card ul.contact-mini li a:hover { color: var(--gold); }
.sidebar-card ul.list-plain { list-style: none; padding: 0; margin: 1rem 0 0; }
.sidebar-card ul.list-plain li { border: 0; padding: .38rem 0; display: flex; align-items: flex-start; gap: .5rem; font-size: .9rem; color: #cfe0da; }
.sidebar-card ul.list-plain li svg { color: var(--gold); flex: 0 0 auto; margin-top: .2rem; }
.sidebar-dark { background: var(--ink); border-color: var(--ink); color: #cfe0da; }
.sidebar-dark h3 { color: #fff; }
.sidebar-dark p { color: #b6cdc5; font-size: .9rem; }

/* Numbered highlight list */
.check-list { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.check-list li { display: flex; gap: .75rem; align-items: flex-start; margin-bottom: .8rem; color: #41534d; font-size: .96rem; }
.check-list li svg { color: var(--brand); flex: 0 0 auto; margin-top: .28rem; }

/* Value / info tile */
.info-tile {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 1.4rem 1.3rem;
  height: 100%;
}
.info-tile .it-label { font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); font-weight: 700; margin-bottom: .35rem; }
.info-tile .it-value { font-family: var(--font-head); font-size: 1.08rem; color: var(--ink); font-weight: 700; line-height: 1.3; }
.info-tile p { font-size: .88rem; color: var(--muted); margin: .4rem 0 0; }

/* Accordion */
.accordion-item { border: 1px solid var(--line); border-radius: 14px !important; margin-bottom: .85rem; overflow: hidden; }
.accordion-button {
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--ink);
  font-size: 1.02rem;
  background: #fff;
  padding: 1.15rem 1.35rem;
}
.accordion-button:not(.collapsed) { color: var(--brand); background: var(--brand-light); box-shadow: none; }
.accordion-button:focus { box-shadow: none; border-color: transparent; }
.accordion-button::after {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230f5c4a'%3E%3Cpath d='M8 1.6a.85.85 0 0 1 .85.85v4.7h4.7a.85.85 0 0 1 0 1.7h-4.7v4.7a.85.85 0 0 1-1.7 0v-4.7h-4.7a.85.85 0 0 1 0-1.7h4.7v-4.7A.85.85 0 0 1 8 1.6Z'/%3E%3C/svg%3E");
  background-size: 1rem;
}
.accordion-body { color: var(--muted); font-size: .95rem; padding-top: .2rem; }

/* ------------------------------- Footer -------------------------------- */
.site-footer { background: var(--ink); color: #a9c1b9; padding-top: 72px; position: relative; }
.site-footer h4 {
  color: #fff;
  font-family: var(--font-body);
  font-size: .82rem;
  letter-spacing: .16em;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 1.25rem;
}
.site-footer p { font-size: .92rem; color: #9db6ad; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: .6rem; font-size: .92rem; }
.footer-links a { color: #a9c1b9; }
.footer-links a:hover { color: var(--gold); padding-left: 3px; }
.footer-contact { list-style: none; padding: 0; margin: 0; }
.footer-contact li { display: flex; gap: .7rem; margin-bottom: .95rem; font-size: .92rem; color: #a9c1b9; }
.footer-contact svg { color: var(--gold); flex: 0 0 auto; margin-top: .22rem; }
.footer-contact a { color: #cddcd7; }
.footer-contact a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .1);
  margin-top: 52px;
  padding: 1.4rem 0;
  font-size: .85rem;
  color: #8ba69c;
}
.footer-bottom a { color: #cddcd7; }
.footer-bottom a:hover { color: var(--gold); }
.social-link {
  width: 38px; height: 38px; border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, .18);
  display: inline-grid; place-items: center;
  color: #cfe0da;
  transition: all .25s ease;
}
.social-link:hover { background: var(--gold); border-color: var(--gold); color: #1a1509; transform: translateY(-3px); }
.footer-disclaimer { font-size: .78rem; color: #7c988f; line-height: 1.7; }

/* ----------------------------- Back to top ----------------------------- */
#backTop {
  position: fixed;
  right: 22px; bottom: 22px;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--brand);
  color: #fff;
  border: 0;
  display: grid; place-items: center;
  box-shadow: 0 12px 26px rgba(15, 92, 74, .3);
  opacity: 0; visibility: hidden;
  transform: translateY(12px);
  transition: all .3s ease;
  z-index: 1040;
}
#backTop.show { opacity: 1; visibility: visible; transform: none; }
#backTop:hover { background: var(--gold); color: #1a1509; }

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

/* ------------------------------- Toast --------------------------------- */
.wmc-toast {
  position: fixed;
  left: 50%;
  bottom: 26px;
  transform: translate(-50%, 130%);
  background: var(--ink);
  color: #fff;
  border-radius: 999px;
  padding: .85rem 1.5rem;
  font-size: .9rem;
  box-shadow: var(--shadow-lg);
  z-index: 1080;
  transition: transform .4s cubic-bezier(.2, .8, .3, 1);
  max-width: calc(100% - 32px);
}
.wmc-toast.show { transform: translate(-50%, 0); }

/* ------------------------------ Responsive ----------------------------- */
@media (max-width: 1199.98px) {
  .hero-img-wrap img { height: 420px; }
  .step-line { display: none; }
}
@media (max-width: 991.98px) {
  .section { padding: 70px 0; }
  .navbar-custom .nav-link { padding: .65rem .2rem !important; }
  .navbar-custom .nav-link::after { left: .2rem; right: auto; width: 22px; }
  .navbar-collapse {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 1rem 1.1rem;
    margin-top: .8rem;
    box-shadow: var(--shadow-md);
  }
  .navbar-custom .nav-cta { margin-top: .8rem; width: 100%; }
  .hero { padding: 54px 0 66px; }
  .hero-img-wrap img { height: 380px; }
  .hero-badge--tl { left: 8px; animation: none; }
  .cta-band { padding: 2.4rem 1.9rem; }
  .newsletter-wrap { padding: 2rem 1.6rem; }
  .form-card { padding: 1.8rem; }
  .page-hero { padding: 60px 0; }
  .site-footer { padding-top: 56px; }
}
@media (max-width: 575.98px) {
  .brand-text { font-size: 1.08rem; }
  .brand-mark { width: 34px; height: 34px; font-size: 1.05rem; }
  .brand-sub { font-size: .5rem; letter-spacing: .2em; }
  .hero-img-wrap { border-radius: 20px 20px 70px 20px; }
  .hero-img-wrap img { height: 300px; }
  .hero-badge { padding: .6rem .8rem; }
  .hero-badge strong { font-size: .82rem; }
  .hero-badge span { font-size: .68rem; }
  .hero-badge .hb-icon { width: 32px; height: 32px; }
  .section { padding: 56px 0; }
  .cta-band { border-radius: 20px; padding: 1.9rem 1.35rem; }
  .testimonial-card { padding: 1.6rem 1.4rem; }
  .form-card { padding: 1.4rem; border-radius: 18px; }
  .newsletter-form .input-group { flex-direction: column; gap: .5rem; border-radius: 16px; padding: .5rem; background: transparent; border: 0; }
  .newsletter-form .input-group .form-control { border: 1.5px solid var(--line); border-radius: 12px; background: #fff; width: 100%; }
  .newsletter-form .btn { width: 100%; }
  .topbar .divider { display: none; }
  .topbar-item { font-size: .78rem; }
}