/* Finance Expert Point - Custom Styles */
:root{
  --navy:#0a1931;
  --navy2:#162953;
  --teal:#00a896;
  --teal-dark:#028090;
  --gold:#ffc947;
  --gold-dark:#f0a500;
  --coral:#ff6b6b;
  --purple:#6c5ce7;
  --light:#f8f9fd;
  --muted:#6b7280;
}
*{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Roboto,Arial,sans-serif;color:#1f2937;background:#fff;overflow-x:hidden}
a{text-decoration:none}
.topbar{background:var(--navy);color:#dbe2ff;font-size:13.5px}
.topbar a{color:#fff}
.topbar a:hover{color:var(--gold)}
.navbar-brand{font-weight:800;letter-spacing:.3px}
.brand-mark{width:42px;height:42px;border-radius:12px;display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--teal),var(--purple));color:#fff;font-weight:900;font-size:22px;margin-right:10px;box-shadow:0 6px 18px rgba(0,168,150,.35)}
.brand-text small{display:block;line-height:1;font-weight:600;letter-spacing:3px;font-size:11px;color:var(--teal-dark)}
.brand-text strong{font-size:20px;color:var(--navy);line-height:1}
.navbar{background:#fff!important;box-shadow:0 4px 24px rgba(10,25,49,.08);padding:12px 0}
.nav-link{font-weight:600;color:var(--navy)!important;margin:0 4px;border-radius:8px;padding:8px 14px!important}
.nav-link:hover,.nav-link.active{background:linear-gradient(135deg,var(--teal),var(--teal-dark));color:#fff!important}
.btn-custom{border-radius:50px;padding:12px 28px;font-weight:700;border:none;transition:.3s}
.btn-teal{background:linear-gradient(135deg,#00a896,#028090);color:#fff;box-shadow:0 8px 20px rgba(0,168,150,.35)}
.btn-teal:hover{transform:translateY(-2px);color:#fff;box-shadow:0 12px 28px rgba(0,168,150,.45)}
.btn-gold{background:linear-gradient(135deg,#ffc947,#f0a500);color:#0a1931;box-shadow:0 8px 20px rgba(255,201,71,.4)}
.btn-gold:hover{transform:translateY(-2px);color:#0a1931}
.btn-outline-light-custom{border:2px solid #fff;color:#fff;border-radius:50px;padding:11px 28px;font-weight:700}
.btn-outline-light-custom:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff;border-radius:50px;padding:11px 26px;font-weight:700}
.btn-navy:hover{background:var(--navy2);color:var(--gold)}

/* HERO */
.hero{background:linear-gradient(120deg,#0a1931 0%,#162953 40%,#028090 100%);color:#fff;position:relative;overflow:hidden;padding:90px 0 100px}
.hero::before{content:"";position:absolute;width:600px;height:600px;background:radial-gradient(circle,rgba(255,201,71,.22),transparent 70%);top:-150px;right:-100px;border-radius:50%}
.hero::after{content:"";position:absolute;width:400px;height:400px;background:radial-gradient(circle,rgba(0,168,150,.3),transparent 70%);bottom:-120px;left:-80px;border-radius:50%}
.hero-badge{display:inline-block;background:rgba(255,201,71,.18);border:1px solid rgba(255,201,71,.5);color:var(--gold);padding:7px 18px;border-radius:50px;font-size:13px;font-weight:700;letter-spacing:.5px;margin-bottom:18px}
.hero h1{font-size:clamp(32px,5vw,56px);font-weight:900;line-height:1.1}
.hero h1 span{background:linear-gradient(90deg,#ffc947,#ff6b6b);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{color:#cbd5e1;font-size:18px}
.hero-card{background:#fff;color:#1f2937;border-radius:20px;padding:28px;box-shadow:0 20px 60px rgba(0,0,0,.3);position:relative;z-index:2}
.hero-card h4{font-weight:800;color:var(--navy)}
.hero-points{list-style:none;padding:0;margin:20px 0}
.hero-points li{padding:8px 0;color:#e2e8f0;font-weight:500}
.hero-points i{color:var(--gold);margin-right:10px}
.float-shape{position:absolute;border-radius:50%;opacity:.12;background:#fff;z-index:1}

/* Sections */
.section-pad{padding:80px 0}
.section-tag{display:inline-block;font-weight:800;font-size:13px;letter-spacing:2px;text-transform:uppercase;padding:7px 18px;border-radius:50px;margin-bottom:14px}
.section-title{font-weight:900;color:var(--navy);font-size:clamp(26px,3.5vw,40px);margin-bottom:12px}
.section-sub{color:var(--muted);font-size:17px;max-width:700px;margin:0 auto}

/* Trust bar */
.trust-bar{background:var(--gold);padding:26px 0}
.trust-bar h3{font-weight:900;color:var(--navy);margin:0;font-size:clamp(22px,3vw,32px)}
.counter-box{background:#fff;border-radius:16px;padding:18px 10px;text-align:center;box-shadow:0 8px 24px rgba(10,25,49,.12)}
.counter-box h2{font-weight:900;color:var(--teal-dark);margin:0;font-size:32px}
.counter-box p{margin:0;font-weight:600;color:var(--navy);font-size:14px}

/* Service cards */
.services-sec{background:linear-gradient(180deg,#f8f9fd,#eef4ff)}
.service-card{background:#fff;border-radius:20px;overflow:hidden;box-shadow:0 10px 30px rgba(10,25,49,.08);transition:.35s;height:100%;display:flex;flex-direction:column;border-top:6px solid var(--teal)}
.service-card:hover{transform:translateY(-10px);box-shadow:0 20px 50px rgba(10,25,49,.16)}
.service-card.c1{border-color:#00a896}.service-card.c2{border-color:#6c5ce7}.service-card.c3{border-color:#ff6b6b}.service-card.c4{border-color:#f0a500}.service-card.c5{border-color:#028090}.service-card.c6{border-color:#e84393}
.service-card img{height:210px;object-fit:cover;width:100%}
.service-body{padding:24px;display:flex;flex-direction:column;flex:1}
.service-icon{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:24px;color:#fff;margin-top:-50px;margin-bottom:14px;box-shadow:0 8px 20px rgba(0,0,0,.2)}
.service-body h5{font-weight:800;color:var(--navy);font-size:19px}
.service-body p{color:var(--muted);font-size:15px;flex:1}

/* Why choose */
.why-sec{background:linear-gradient(135deg,#0a1931,#1e3a8a 60%,#6c5ce7);color:#fff}
.why-card{background:rgba(255,255,255,.1);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:28px 22px;text-align:center;transition:.3s;height:100%}
.why-card:hover{background:#fff;color:var(--navy);transform:translateY(-8px)}
.why-card:hover p{color:#4b5563}
.why-icon{width:64px;height:64px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:28px;margin:0 auto 16px;color:#fff}
.why-card h5{font-weight:800}
.why-card p{color:#cbd5e1;font-size:15px}

/* Process */
.process-sec{background:#fff7e8}
.step-card{background:#fff;border-radius:18px;padding:30px 22px;text-align:center;position:relative;box-shadow:0 10px 30px rgba(240,165,0,.15);height:100%;border-bottom:5px solid var(--gold-dark)}
.step-num{width:58px;height:58px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--purple));color:#fff;font-weight:900;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.step-card h5{font-weight:800;color:var(--navy)}

/* Testimonials */
.testi-sec{background:linear-gradient(135deg,#e0fbfc,#eef2ff 50%,#fce7f3)}
.testi-card{background:#fff;border-radius:20px;padding:30px 26px;box-shadow:0 12px 34px rgba(10,25,49,.1);height:100%;position:relative;border-left:6px solid var(--teal)}
.testi-card::before{content:"\201C";position:absolute;top:8px;right:22px;font-size:70px;color:#e5e7eb;font-family:Georgia,serif;line-height:1}
.stars{color:#f0a500;font-size:17px;letter-spacing:2px;margin-bottom:12px}
.testi-card p{font-style:italic;color:#374151}
.testi-name{display:flex;align-items:center;gap:12px;margin-top:18px}
.avatar{width:50px;height:50px;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:900;font-size:20px}

/* Blog */
.blog-sec{background:#fff}
.blog-card{border-radius:20px;overflow:hidden;background:#fff;box-shadow:0 10px 30px rgba(10,25,49,.1);height:100%;display:flex;flex-direction:column;transition:.3s}
.blog-card:hover{transform:translateY(-8px)}
.blog-card img{height:220px;object-fit:cover;width:100%}
.blog-body{padding:24px;display:flex;flex-direction:column;flex:1}
.blog-cat{display:inline-block;font-size:12px;font-weight:800;letter-spacing:1px;text-transform:uppercase;padding:5px 14px;border-radius:50px;margin-bottom:12px;width:fit-content}
.blog-body h5{font-weight:800;color:var(--navy);line-height:1.4}
.blog-body p{color:var(--muted);font-size:15px;flex:1}

/* CTA */
.cta-sec{background:linear-gradient(120deg,#ff6b6b,#f0a500);padding:70px 0;color:#fff;position:relative;overflow:hidden}
.cta-sec h2{font-weight:900;font-size:clamp(26px,4vw,42px)}
.cta-box{background:#0a1931;border-radius:24px;padding:50px 40px;position:relative;overflow:hidden}
.cta-box::before{content:"";position:absolute;width:350px;height:350px;background:radial-gradient(circle,rgba(255,201,71,.25),transparent 70%);top:-100px;right:-80px;border-radius:50%}

/* Newsletter strip */
.newsletter-strip{background:var(--navy);padding:50px 0;color:#fff}

/* Page hero */
.page-hero{padding:70px 0;color:#fff;position:relative;overflow:hidden}
.page-hero h1{font-weight:900;font-size:clamp(30px,4.5vw,48px)}
.page-hero p{color:#e2e8f0;font-size:17px}
.breadcrumb-custom{background:rgba(255,255,255,.15);display:inline-flex;padding:8px 20px;border-radius:50px;font-size:14px;font-weight:600}
.breadcrumb-custom a{color:var(--gold)}

/* Forms */
.form-card{background:#fff;border-radius:20px;box-shadow:0 14px 44px rgba(10,25,49,.12);padding:36px}
.form-control,.form-select{border-radius:12px;padding:12px 16px;border:1.5px solid #e5e7eb}
.form-control:focus,.form-select:focus{border-color:var(--teal);box-shadow:0 0 0 4px rgba(0,168,150,.15)}
label.form-label{font-weight:700;color:var(--navy);font-size:14.5px}
.info-card{border-radius:18px;padding:26px;color:#fff;height:100%}
.alert-custom{border-radius:12px;padding:14px 18px;font-weight:600;display:none}

/* Blog single */
.blog-single-hero img{border-radius:24px;max-height:460px;width:100%;object-fit:cover;box-shadow:0 16px 50px rgba(10,25,49,.18)}
.blog-content p{font-size:17px;line-height:1.9;color:#374151;margin-bottom:22px}
.blog-content h2{font-weight:800;color:var(--navy);margin:34px 0 16px;font-size:26px}
.blog-content blockquote{background:#eef4ff;border-left:5px solid var(--teal);padding:20px 24px;border-radius:0 16px 16px 0;font-style:italic;font-weight:600;color:var(--navy);margin:28px 0}
.blog-content ul{margin-bottom:24px}
.blog-content ul li{padding:6px 0;color:#374151;font-size:16.5px}
.share-box{background:var(--light);border-radius:16px;padding:22px}
.toc-box{background:#fff7e8;border-radius:16px;padding:24px;border:1.5px dashed var(--gold-dark)}
.toc-box a{color:var(--navy);font-weight:600}

/* Footer */
footer{background:#070f24;color:#cbd5e1;padding:70px 0 0}
footer h5{color:#fff;font-weight:800;margin-bottom:20px}
footer a{color:#cbd5e1;font-size:15px}
footer a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:50px;padding:20px 0;font-size:14px}
.social-btn{width:42px;height:42px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:rgba(255,255,255,.1);color:#fff;margin-right:8px;transition:.3s;font-size:17px}
.social-btn:hover{background:var(--gold);color:var(--navy);transform:translateY(-3px)}
#backTop{position:fixed;bottom:24px;right:24px;width:50px;height:50px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--purple));color:#fff;border:none;font-size:20px;display:none;z-index:999;box-shadow:0 8px 24px rgba(0,0,0,.3)}
.policy-content h2{color:var(--navy);font-weight:800;margin-top:36px;font-size:24px}
.policy-content p,.policy-content li{color:#4b5563;line-height:1.85;font-size:16px}
@media(max-width:768px){.section-pad{padding:56px 0}.hero{padding:60px 0 70px}.form-card{padding:24px}}