/* -------------------------------
   GOOGLE FONTS
-------------------------------- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;1,400&family=Oswald:wght@200;300;400;500;600;700&display=swap');

/* -------------------------------
   RESET & BASE STYLES
-------------------------------- */
:root {
    --navy: #020024;
    --navy-mid: #112240;
    --navy-light: #1a3a5c;
    --gold: #c9a84c;
    --gold-light: #e4c97a;
    --gold-pale: #f5e8c4;
    --cream: #faf8f3;
    --white: #ffffff;
    --text-dark: #0a1628;
    --text-mid: #3d4f6b;
    --text-light: #8a9bb5
}


html {
    scroll-behavior: smooth;
  margin: 0;
  padding: 0;
}

header {
    margin: 0;
    padding: 0;
    display: block;
    line-height: 0;
    font-size: 0;
    background: #0b8acf;
}
/* BASE BODY - desktop */
/* 1. REPLACE your entire body { } block with this */
body {
    font-family: Roboto, Arial, Helvetica, sans-serif;
    color: #1a2a3f;
    font-weight: 400;
    font-size: 18px;
    line-height: 1.5;
    letter-spacing: 0;
    background-color: #f0f2f5;
    margin: 0;
   padding: 0;
    padding-bottom: 0px;
    position: relative;
}
/* 2. ADD this right after your body { } block
   This is the background image layer - works on ALL mobile browsers */
body::before {
    content: '';
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: url("/images/bkg/MB2.jpg");
    background-size: cover;
    background-position: center center;
    background-repeat: no-repeat;
    z-index: -1;
   overflow-x: hidden; /* add this */
}

.banner-img {
            width: 100%;
            height: auto;
            display: block;
            margin: 0;
            padding: 0;
            vertical-align: top;
        }
/* ========== ENHANCED NAVIGATION ========== */
#nav {
    font-family: 'Oswald', sans-serif;
    font-weight: 300;
    width: 100%;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0;
    background: #020024;
    background: linear-gradient(90deg, rgba(2, 0, 36, 1) 0%, rgba(9, 9, 121, 1) 35%, rgba(66, 133, 244, 1) 100%);
    border-bottom: 2px solid rgba(255, 255, 255, 0.2);
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.3);
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
}

#nav a:link,
#nav a:visited {
    font-size: 18px;
    color: #ffffff;
    border-right: 1px solid rgba(255, 255, 255, 0.3);
    font-weight: 300;
    font-family: 'Oswald', sans-serif;
    text-shadow: 1px 1px 2px rgba(0, 0, 0, 0.5);
    text-align: center;
    padding: 20px 12px;
    text-decoration: none;
    transition: all 0.3s ease;
    letter-spacing: 0.5px;
}

#nav a:last-child { border-right: none; }

#nav a:hover {
    color: #f6e314;
    background: rgba(255, 255, 255, 0.15);
    transform: translateY(-2px);
}

/* ========== SIDE BUTTONS (QUOTE BUTTONS) ========== */
.side-btn {
    display: block;
    width: 100%;
    max-width: 220px;
    margin: 0 auto 12px auto;
    color: #ffffff;
    font-family: 'Oswald', sans-serif;
    font-size: 16px;
    font-weight: 500;
    letter-spacing: 1px;
    padding: 12px;
    border-radius: 10px;
    text-decoration: none;
    box-shadow: 0 3px 8px rgba(0, 0, 0, 0.2);
    transition: all 0.3s ease;
    text-align: center;
}

.side-btn:hover {
    transform: scale(1.03);
    opacity: 0.95;
    box-shadow: 0 5px 12px rgba(0, 0, 0, 0.3);
}

/* ========== NAV1 - INSIDE SIDEBAR ========== */
.nav-links-list {
    text-align: left;
    padding: 15px 0;
    width: 100%;
}

#nav1 {
    font-family: 'Oswald', sans-serif;
    font-weight: 400;
    width: 100%;
    margin: 0 0 20px 0;
    padding: 0;
    background: linear-gradient(135deg, #020024 0%, #090979 50%, #002a5e 100%);
    border-radius: 20px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
    align-items: stretch;
    overflow: hidden;
}

#nav1 a:link,
#nav1 a:visited {
    font-size: 18px;
    color: #ffffff;
    border-right: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
    font-weight: 300;
    font-family: 'Oswald', sans-serif;
    text-shadow: 1px 1px 1px rgba(0, 0, 0, 0.3);
    text-align: left;
    padding: 12px 18px;
    text-decoration: none;
    transition: all 0.25s ease;
    letter-spacing: 0.5px;
    display: block;
    width: 100%;
}

#nav1 a:first-child { border-radius: 20px 20px 0 0; }
#nav1 a:last-child { border-bottom: none; border-radius: 0 0 20px 20px; }

#nav1 a:hover {
    color: #f6e314;
    background: rgba(255, 255, 255, 0.12);
    padding-left: 24px;
}

/* ========== WRAPPER & HEADER ========== */
/* 3. REPLACE your .wrapper { } block with this */
.wrapper {
    max-width: 1100px;
    margin: 0 auto;
    margin-top: 0;
    padding-top: 0;
    background: transparent;
    box-shadow: none;
}

/* ========== MAIN CONTAINER - SIDE BY SIDE ========== */
.main-container {
    display: flex;
    flex-direction: row;
    width: 100%;
}

/* 4. REPLACE your aside.sidebar { } block with this */
aside.sidebar {
    width: 260px;
    min-width: 260px;
    background: rgba(255, 255, 204, 0.94);
    padding: 20px;
    text-align: center;
    border-right: 1px solid #eee;
}
 
/* 5. REPLACE your main.content { } block with this */
main.content {
    flex: 1;
    padding: 50px;
    background: rgba(255, 255, 255, 0.94);
    overflow-x: auto;
}
/* ========== SIDEBAR IMAGES ========== */
.sidebar img { max-width: 100%; height: auto; margin-bottom: 10px; border-radius: 8px; }



/* ========== FLOATING BAR ========== */
#floatingbar {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    display: flex;
    justify-content: center;
    align-items: center;
    background: rgba(0,0,0,0.7);
    padding: 8px;
}



/* ========== RESPONSIVE ========== */
@media (max-width: 768px) {
    .wrapper { max-width: 100%; }
    .main-container { flex-direction: row; }
    aside.sidebar { width: 200px; min-width: 200px; padding: 10px; }
    main.content { padding: 15px; }
    #nav a:link, #nav a:visited { font-size: 12px; padding: 5px 8px; }
    .side-btn { font-size: 12px; padding: 8px; }
    #nav1 a:link, #nav1 a:visited { font-size: 14px; padding: 6px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
}

@media (max-width: 600px) {
    aside.sidebar { width: 160px; min-width: 160px; padding: 8px; }
    main.content { padding: 10px; }
    .side-btn { font-size: 10px; padding: 6px; }
    .oswald-maroon, .oswald-orange, .kaushan-blue { font-size: 12px !important; }
    .article-title { font-size: 14px; }
}

/* ========== CONTENT STYLES ========== */
.article-title {
    font-family: 'Oswald', sans-serif;
    color: #900C3F;
    font-size: 28px;
    text-transform: uppercase;
    border-left: 6px solid #0b8acf;
    padding-left: 15px;
    margin: 40px 0 20px 0;
    line-height: 1.2;
}

.oswald-orange {
    font-family: 'Oswald', sans-serif;
    color: #FF5F1F;
    font-size: 32px;
}

.oswald-maroon {
    font-family: 'Oswald', sans-serif;
    color: #900C3F;
    font-size: 32px;
}

.kaushan-blue {
    font-family: 'Kaushan Script', cursive;
    color: #4c8bf5;
    font-size: 32px;
}

.content-cta {
    display: inline-block;
    color: #ffffff;
    font-family: Arial;
    font-size: 16px;
    letter-spacing: 1px;
    padding: 12px 20px;
    border-radius: 5px;
    text-decoration: none;
    box-shadow: 3px 3px 3px rgba(0,0,0,0.3);
    margin: 10px;
    transition: 0.3s;
}

.content-cta:hover { opacity: 0.9; transform: translateY(-2px); }

/* ========== FLOATING CTA ========== */
.cta-floating {
    position: fixed;
    bottom: 20px;
    left: 20px;
    z-index: 9999;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.floating-btn {
    background: #25d366;
    color: white;
    padding: 12px 20px;
    border-radius: 50px;
    text-decoration: none;
    font-weight: bold;
    box-shadow: 0 4px 10px rgba(0,0,0,0.3);
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    transition: 0.2s;
}

.floating-btn:hover { transform: scale(1.05); }
.floating-btn.phone { background: #0000ff; }

/* ========== FOOTER ========== */
footer {
    background: #020024;
    padding: 60px 40px 30px;
    color: rgba(255,255,255,.5);
}

.footer-inner { max-width: 1200px; margin: 0 auto; }

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 50px;
}

.footer-brand p {
    font-size: 13px;
    line-height: 1.8;
    margin-top: 16px;
    color: rgba(68, 219, 227, 1);
}

.footer-col h4 {
    font-size: 15px;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 18px;
    font-weight: 700;
}

.footer-col a {
    display: block;
    color: rgba(255,255,255,.45);
    text-decoration: none;
    font-size: 13px;
    padding: 4px 0;
    transition: color .2s;
}

.footer-col a:hover { color: var(--gold-light); }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.08);
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 102px;
}

.footer-bottom a { color: var(--gold); text-decoration: none; }


/* -------------------------------
   PROFESSIONAL MARQUEE - UPGRADED
   Background: #800000 (Maroon)
   Features: Fade Edges, Pulse CTA, Pause on Hover, Mobile Responsive
-------------------------------- */

/* WRAPPER */
.marquee-wrapper {
    width: 100%;
    overflow: hidden;
    background-color: #800000;
    position: relative;
    height: 44px;
    display: flex;
    align-items: center;
}

/* FADE EDGES - soft left/right fade to maroon */
.marquee-wrapper::before,
.marquee-wrapper::after {
    content: '';
    position: absolute;
    top: 0;
    bottom: 0;
    width: 80px;
    z-index: 2;
    pointer-events: none;
}
.marquee-wrapper::before {
    left: 0;
    background: linear-gradient(to right, #800000 0%, transparent 100%);
}
.marquee-wrapper::after {
    right: 0;
    background: linear-gradient(to left, #800000 0%, transparent 100%);
}

/* MARQUEE CONTAINER */
.modern-marquee {
    background-color: #800000;
    width: 100%;
    overflow: hidden;
}

/* MARQUEE CONTENT */
.modern-marquee-content {
    font-family: 'Oswald', sans-serif;
    font-weight: 300;
    font-size: 18px;
    white-space: nowrap;
    display: inline-block;
    line-height: 44px;
    animation: scroll-left 180s linear infinite;
    will-change: transform;
}

/* PAUSE ON HOVER */
.marquee-wrapper:hover .modern-marquee-content {
    animation-play-state: paused;
}

/* ALL SPANS */
.modern-marquee-content span {
    display: inline-block;
    white-space: nowrap;
    margin: 0 6px;
    text-shadow: 1px 1px 1px rgba(0,0,0,0.3);
}

/* SEPARATOR - subtle diamond between sections */
.modern-marquee-content .sep {
    color: #FFD700;
    opacity: 0.45;
    margin: 0 4px;
    font-size: 10px;
}

/* ANIMATION */
@keyframes scroll-left {
    0% {
        transform: translateX(100vw);
    }
    100% {
        transform: translateX(-100%);
    }
}

/* PULSING CTA - gold pill that grabs attention */
.modern-marquee-content .cta {
    background: #FFD700;
    color: #800000 !important;
    font-weight: 700;
    font-size: 17px;
    padding: 5px 18px;
    border-radius: 22px;
    margin: 0 20px;
    text-shadow: none;
    animation: cta-pulse 1.4s ease-in-out infinite;
    display: inline-block;
    vertical-align: middle;
}

@keyframes cta-pulse {
    0%, 100% {
        box-shadow: 0 0 0 0 rgba(255, 215, 0, 0.7);
    }
    50% {
        box-shadow: 0 0 0 8px rgba(255, 215, 0, 0);
    }
}

/* =============================================
   HIGH CONTRAST FOREGROUND COLORS FOR MAROON BG
   ============================================= */

.modern-marquee-content .white        { color: #FFFFFF; }
.modern-marquee-content .cream        { color: #FFFFCC; }
.modern-marquee-content .ivory        { color: #FDFDF5; }
.modern-marquee-content .light-gray   { color: #E0E0E0; }
.modern-marquee-content .silver       { color: #CCCCCC; }

.modern-marquee-content .pale-yellow  { color: #FFFF99; }
.modern-marquee-content .light-cyan   { color: #CCFFFF; }
.modern-marquee-content .mint         { color: #CCFFCC; }
.modern-marquee-content .pale-green   { color: #CCFFCC; }
.modern-marquee-content .light-coral  { color: #FFCCCC; }

.modern-marquee-content .gold         { color: #FFD700; }
.modern-marquee-content .light-gold   { color: #F9A602; }
.modern-marquee-content .champagne    { color: #F7E7CE; }

.modern-marquee-content .sky-blue     { color: #87CEEB; }
.modern-marquee-content .light-blue   { color: #ADD8E6; }
.modern-marquee-content .peach        { color: #FFDAB9; }
.modern-marquee-content .lavender     { color: #E6E6FA; }

.modern-marquee-content .bright-yellow { color: #FFFF00; }
.modern-marquee-content .neon-green    { color: #CCFF00; }
.modern-marquee-content .soft-orange   { color: #FFCC99; }

/* BACKGROUND HIGHLIGHT for secondary important messages */
.modern-marquee-content .highlight {
    background: rgba(0,0,0,0.25);
    padding: 4px 12px;
    border-radius: 20px;
    margin: 0 8px;
}

/* UNDERLINE for emphasis */
.modern-marquee-content .underline {
    text-decoration: underline;
    text-decoration-color: currentColor;
}

/* =============================================
   RESPONSIVE MOBILE ADJUSTMENTS
   ============================================= */

@media (max-width: 768px) {
    .marquee-wrapper { height: 38px; }
    .modern-marquee-content {
        font-size: 15px;
        line-height: 38px;
        animation: scroll-left 120s linear infinite;
    }
    .modern-marquee-content span { margin: 0 5px; }
    .modern-marquee-content .cta { font-size: 14px; padding: 4px 12px; }
    .marquee-wrapper::before,
    .marquee-wrapper::after { width: 50px; }
}

@media (max-width: 480px) {
    .marquee-wrapper { height: 34px; }
    .modern-marquee-content {
        font-size: 13px;
        line-height: 34px;
        animation: scroll-left 90s linear infinite;
    }
    .modern-marquee-content span { margin: 0 4px; }
    .modern-marquee-content .cta { font-size: 12px; padding: 3px 10px; }
    .modern-marquee-content .highlight { padding: 3px 8px; margin: 0 4px; }
    .marquee-wrapper::before,
    .marquee-wrapper::after { width: 30px; }
}

@media (max-width: 360px) {
    .marquee-wrapper { height: 30px; }
    .modern-marquee-content {
        font-size: 12px;
        line-height: 30px;
        animation: scroll-left 70s linear infinite;
    }
    .modern-marquee-content span { margin: 0 3px; }
}

.fbb-btn {
    padding: 9px 18px;
    border-radius: 50px;
    text-decoration: none;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .5px;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: all .2s;
}

.fbb-btn:hover { transform: translateY(-2px); }
.fbb-btn.gold { background: linear-gradient(135deg, var(--gold), var(--gold-light)); color: var(--navy); }
.fbb-btn.green { background: #25d366; color: #fff; }
.fbb-btn.blue { background: #1a3a8f; color: #fff; }



/* ========== PROFESSIONAL CONTENT STYLES ========== */

/* Hero Header */
.hero-header {
    text-align: center;
    margin-bottom: 40px;
    padding: 20px;
    background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%);
    border-radius: 16px;
}

.hero-header h1 {
    margin-bottom: 10px;
}

.hero-header h2 {
    margin-bottom: 8px;
}

/* Section Headers */
h3 {
    font-size: 22px;
    font-weight: 600;
    color: #0b8acf;
    margin: 0px 0 15px 0;
    font-family: 'Oswald', sans-serif;
}

/* Benefit Lists */
.benefits-list li {
    margin-bottom: 12px;
    line-height: 1.6;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 15px;
    list-style: none;
    padding: 0;
}

.benefits-grid li {
    background: #f8f9fa;
    padding: 15px;
    border-radius: 12px;
    border-left: 4px solid #c9a84c;
    margin: 0;
}

.stat-list li {
    margin-bottom: 12px;
    line-height: 1.6;
}

/* Two Column List */
.two-column-list {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px 20px;
    margin: 20px 0;
}

.two-column-list li {
    margin: 0;
    padding: 5px 0;
}

/* Mission/Vision Cards */
.mission-vision-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 25px;
    margin: 40px 0;
}

.mission-card, .vision-card, .commitment-card {
    background: #f8f9fa;
    padding: 25px;
    border-radius: 16px;
    text-align: center;
    transition: transform 0.3s ease;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}

.mission-card:hover, .vision-card:hover, .commitment-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 20px rgba(0,0,0,0.1);
}

.mission-card h3, .vision-card h3, .commitment-card h3 {
    margin-top: 0;
    margin-bottom: 15px;
    font-size: 28px;
}

/* Highlight Text */
.highlight-text {
    background: #f0f8ff;
    padding: 20px;
    border-radius: 12px;
    border-left: 6px solid #c9a84c;
    margin: 25px 0;
}

/* CTA Section */
.cta-section {
    text-align: center;
    margin-top: 50px;
    padding: 40px 20px;
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
    border-radius: 20px;
}

.cta-tagline {
    font-family: 'Oswald', sans-serif;
    font-size: 24px;
    margin: 15px 0;
}

.cta-tagline.green { color: #008000; }
.cta-tagline.blue { color: #06A2ED; }
.cta-tagline.navy { color: #0804F8; }
.cta-tagline.gold { color: #D69A07; }

.cta-buttons {
    margin: 30px 0;
    display: flex;
    justify-content: center;
    gap: 20px;
    flex-wrap: wrap;
}

.content-cta.auto-cta {
    background-color: #0000ff;
}

.content-cta.auto-cta:hover {
    background-color: #ce00ce;
}

.content-cta.home-cta {
    background-color: #d54500;
}

.content-cta.home-cta:hover {
    background-color: #008000;
}

.referral-links {
    margin-top: 20px;
    display: flex;
    justify-content: center;
    gap: 20px;
}

.referral-links img {
    transition: transform 0.3s ease;
}

.referral-links img:hover {
    transform: scale(1.05);
}

/* Responsive */
@media (max-width: 768px) {
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .two-column-list {
        grid-template-columns: 1fr;
    }
    
    .cta-tagline {
        font-size: 18px;
    }
    
    .mission-vision-grid {
        grid-template-columns: 1fr;
    }
}

/* ============================================================
   FLOATING BOTTOM SYSTEM
   Stack from bottom up:
     0px        → .fbb (dark button bar, 52px tall)
     52px       → .marquee-bar (maroon ticker, 40px tall)
   Total reserved at bottom: 92px
   ============================================================ */


/* ── FBB: dark button bar at very bottom ── */
.fbb {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    height: 52px;
    background: #020024;
    border-top: 1px solid rgba(201,168,76,.3);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 999;
}

.fbb-inner {
    max-width: 1200px;
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0 20px;
}

.fbb-buttons {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    flex-wrap: wrap;
    width: 100%;
}

/* ── MARQUEE BAR: sits flush directly above .fbb ── */
.marquee-bar {
    position: fixed;
    bottom: 52px;        /* exactly the height of .fbb */
    left: 0;
    right: 0;
    height: 40px;
    background: #800000;
    overflow: hidden;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 998;        /* one below .fbb */
}

/* Fade edges on full-width bar */
.marquee-bar::before,
.marquee-bar::after {
    content: '';
    position: absolute;
    top: 0;
    bottom: 0;
    width: 80px;
    z-index: 2;
    pointer-events: none;
}
.marquee-bar::before {
    left: 0;
    background: linear-gradient(to right, #800000 0%, transparent 100%);
}
.marquee-bar::after {
    right: 0;
    background: linear-gradient(to left, #800000 0%, transparent 100%);
}

/* Inner max-width wrapper — centers content at 1200px */
.marquee-bar .mw {
    width: 100%;
    max-width: 1200px;
    height: 40px;
    overflow: hidden;
    position: relative;
    display: flex;
    align-items: center;
}

.marquee-bar .mm {
    width: 100%;
    overflow: hidden;
}

/* SCROLLING TEXT */
.marquee-bar .mc {
    font-family: 'Oswald', sans-serif;
    font-weight: 300;
    font-size: 17px;
    white-space: nowrap;
    display: inline-block;
    line-height: 40px;
    animation: scroll-left 200s linear infinite;
    will-change: transform;
    padding-left: 100vw;   /* start off-screen right */
}

/* Pause on hover */
.marquee-bar:hover .mc {
    animation-play-state: paused;
}

/* Span base */
.marquee-bar .mc span {
    display: inline-block;
    white-space: nowrap;
    margin: 0 6px;
    text-shadow: 1px 1px 1px rgba(0,0,0,0.3);
}

/* Separator */
.marquee-bar .mc .sep {
    color: #FFD700;
    opacity: 0.45;
    font-size: 9px;
    margin: 0 4px;
}

/* Pulsing CTA pill */
.marquee-bar .mc .cta {
    background: #FFD700;
    color: #800000;
    font-weight: 700;
    font-size: 15px;
    padding: 3px 16px;
    border-radius: 20px;
    margin: 0 16px;
    text-shadow: none;
    display: inline-block;
    vertical-align: middle;
    animation: cta-pulse 1.4s ease-in-out infinite;
}

/* ── ANIMATIONS ── */
@keyframes scroll-left {
    0%   { transform: translateX(0); }
    100% { transform: translateX(-100%); }
}

@keyframes cta-pulse {
    0%, 100% { box-shadow: 0 0 0 0 rgba(255,215,0,0.7); }
    50%       { box-shadow: 0 0 0 7px rgba(255,215,0,0); }
}

/* ── MARQUEE COLORS ── */
.marquee-bar .mc .white        { color: #FFFFFF; }
.marquee-bar .mc .cream        { color: #FFFFCC; }
.marquee-bar .mc .ivory        { color: #FFFDD0; }
.marquee-bar .mc .gold         { color: #FFD700; }
.marquee-bar .mc .light-gold   { color: #F9A602; }
.marquee-bar .mc .bright-yellow{ color: #FFFF00; }
.marquee-bar .mc .lemon        { color: #FFF44F; }
.marquee-bar .mc .yellow-soft  { color: #FFFF66; }
.marquee-bar .mc .cream-yellow { color: #FFFF99; }
.marquee-bar .mc .lime         { color: #CCFF00; }
.marquee-bar .mc .lime-light   { color: #CCFF33; }
.marquee-bar .mc .lime-soft    { color: #CCFF66; }
.marquee-bar .mc .lime-pale    { color: #CCFF99; }
.marquee-bar .mc .mint         { color: #CCFFCC; }
.marquee-bar .mc .light-cyan   { color: #CCFFFF; }
.marquee-bar .mc .aqua         { color: #00FFFF; }
.marquee-bar .mc .turquoise    { color: #40E0D0; }
.marquee-bar .mc .sky-blue     { color: #87CEEB; }
.marquee-bar .mc .light-blue   { color: #ADD8E6; }
.marquee-bar .mc .peach        { color: #FFDAB9; }
.marquee-bar .mc .lavender     { color: #E6E6FA; }

/* ── FBB BUTTONS ── */
.fbb-btn {
    padding: 8px 16px;
    border-radius: 50px;
    text-decoration: none;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .4px;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: all .2s;
    white-space: nowrap;
}
.fbb-btn:hover         { transform: translateY(-2px); }
.fbb-btn.gold          { background: linear-gradient(135deg, #c9a84c, #e4c97a); color: #020024; }
.fbb-btn.green         { background: #25d366; color: #fff; }
.fbb-btn.blue          { background: #1a3a8f; color: #fff; }

/* ── RESPONSIVE ── */
@media (max-width: 768px) {
    .fbb            { height: 46px; }
    .marquee-bar    { bottom: 46px; height: 36px; }
    .marquee-bar .mw{ height: 36px; }
    .marquee-bar .mc{ font-size: 13px; line-height: 36px; animation-duration: 120s; }
    .fbb-btn        { font-size: 10px; padding: 6px 10px; }
    body            { padding-bottom: 86px; }
}

@media (max-width: 480px) {
    .fbb            { height: 42px; }
    .marquee-bar    { bottom: 42px; height: 32px; }
    .marquee-bar .mw{ height: 32px; }
    .marquee-bar .mc{ font-size: 12px; line-height: 32px; animation-duration: 90s; }
    .fbb-btn        { font-size: 9px; padding: 5px 8px; gap: 4px; }
    body            { padding-bottom: 78px; }
}

/* -------------------------------
   BANKOLOANS CSS
-------------------------------- */


/* ========== FLOATING BUTTONS ========== */
.float-actions {
    position: fixed;
    bottom: 80px;
    right: 24px;
    z-index: 9999;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.float-btn {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 13px 20px;
    border-radius: 50px;
    text-decoration: none;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 13px;
    letter-spacing: .5px;
    box-shadow: 0 6px 24px rgba(0,0,0,.25);
    transition: transform .2s, box-shadow .2s;
    white-space: nowrap;
}

.float-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 32px rgba(0,0,0,.3);
}

.float-btn.call {
    background: #1a3a8f;
    color: #fff;
}

.float-btn.whatsapp {
    background: #25d366;
    color: #fff;
}

/* ========== TOPBAR ========== */
.topbar {
    background: var(--navy);
    padding: 8px 40px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid rgba(201,168,76,.3);
}

.topbar-left {
    color: var(--gold-light);
    font-size: 12px;
    letter-spacing: 1px;
}

.topbar-right {
    display: flex;
    gap: 20px;
}

.topbar-right a {
    color: var(--gold-light);
    text-decoration: none;
    font-size: 12px;
    letter-spacing: .5px;
    transition: color .2s;
}

.topbar-right a:hover {
    color: #fff;
}

/* ========== MAIN NAVIGATION ========== */
nav.main-nav {
    background: var(--navy-mid);
    border-top: 1px solid rgba(201,168,76,.2);
    width: 100%;
    margin: 0;
    padding: 0;
}

.main-nav ul {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    list-style: none;
    flex-wrap: wrap;
    padding: 0;
}

.main-nav ul li a {
    display: block;
    padding: 6px 12px;
    color: rgba(255,255,255,.8);
    text-decoration: none;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    transition: all .2s;
    border-bottom: 2px solid transparent;
}

.main-nav ul li a:hover {
    color: var(--gold-light);
    border-bottom-color: var(--gold);
}

.main-nav ul li a.esp {
    color: var(--gold);
}

/* ========== HERO SECTION - CREAM BACKGROUND ========== */
.hero {
    background: var(--cream);
    min-height: 82vh;
    display: flex;
    align-items: center;
    position: relative;
    overflow: hidden;
    padding: 80px 40px;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: radial-gradient(ellipse at 70% 50%, rgba(201,168,76,.08) 0%, transparent 60%),
                      radial-gradient(ellipse at 10% 80%, rgba(201,168,76,.05) 0%, transparent 50%);
}

.hero-grid {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
    width: 100%;
}

.hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: var(--gold);
    border: 1px solid var(--gold);
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: 28px;
}

.hero-eyebrow span {
    font-size: 11px;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--navy);
    font-weight: 600;
}

.hero-eyebrow .dot {
    width: 6px;
    height: 6px;
    background: var(--gold);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%,100% { opacity: 1; transform: scale(1); }
    50% { opacity: .5; transform: scale(.8); }
}

.hero h1 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(42px, 5vw, 68px);
    font-weight: 700;
    color: var(--navy);
    line-height: 1.1;
    margin-bottom: 10px;
}

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

.hero-sub {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(22px, 2.5vw, 30px);
    color: var(--text-mid);
    font-weight: 400;
    margin-bottom: 24px;
    font-style: italic;
}

.hero-desc {
    font-size: 14px;
    color: var(--text-mid);
    line-height: 1.8;
    margin-bottom: 36px;
    max-width: 500px;
}

.hero-btns {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
}

.btn-primary {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    padding: 16px 32px;
    border-radius: 4px;
    text-decoration: none;
    font-weight: 800;
    font-size: 13px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    transition: all .25s;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    box-shadow: 0 8px 30px rgba(201,168,76,.3);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 40px rgba(201,168,76,.4);
}

.btn-outline {
    border: 1px solid var(--gold);
    color: var(--navy);
    padding: 16px 32px;
    border-radius: 4px;
    text-decoration: none;
    font-weight: 700;
    font-size: 13px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    transition: all .25s;
    display: inline-flex;
    align-items: center;
    gap: 10px;
}

.btn-outline:hover {
    background: var(--gold-pale);
    border-color: var(--gold);
}

/* ========== HERO CARD - WHITE BACKGROUND ========== */
.hero-card {
    background: var(--gold-pale);
    backdrop-filter: none;
    border: 1px solid rgba(201,168,76,0.3);
    border-radius: 16px;
    padding: 36px;
    box-shadow: 0 20px 40px rgba(0,0,0,0.08);
}

.hero-card-title {
    font-family: 'Cormorant Garamond', serif;
    font-size: 22px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 6px;
    text-align: center;
}

.hero-card-sub {
    font-size: 11px;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    text-align: center;
    margin-bottom: 28px;
}

.hero-card form {
    display: flex;
    flex-direction: column;
    gap: 12px;
    background: var(--gold-pale);
}

.hero-card input,
.hero-card select {
    width: 100%;
    padding: 13px 16px;
    border-radius: 6px;
    border: 1px solid rgba(0,0,0,0.1);
    background: var(--cream);
    color: var(--navy);
    font-family: 'Montserrat', sans-serif;
    font-size: 13px;
    outline: none;
    transition: border-color .2s;
}

.hero-card input::placeholder {
    color: var(--text-light);
}

.hero-card input:focus,
.hero-card select:focus {
    border-color: var(--gold);
    background: var(--white);
}

.hero-card select option {
    background: var(--white);
    color: var(--navy);
}

.hero-card .submit-btn {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    border: none;
    padding: 15px;
    border-radius: 6px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 13px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    cursor: pointer;
    transition: all .2s;
    margin-top: 4px;
}

.hero-card .submit-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 30px rgba(201,168,76,.4);
}

.hero-card .privacy-note {
    text-align: center;
    font-size: 10px;
    color: var(--text-light);
    letter-spacing: .5px;
    margin-top: 6px;
}

/* ========== TRUST BAR ========== */
.trust-bar {
    background: var(--white);
    border-bottom: 1px solid rgba(0,0,0,.06);
    padding: 20px 40px;
}

.trust-bar-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 12px;
}

.trust-icon {
    width: 40px;
    height: 40px;
    background: var(--gold-pale);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 16px;
    flex-shrink: 0;
}

.trust-text-main {
    font-weight: 700;
    font-size: 14px;
    color: var(--navy);
}

.trust-text-sub {
    font-size: 11px;
    color: var(--text-light);
    letter-spacing: .5px;
}

/* ========== SECTION WRAP ========== */
.section-wrap {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 40px;
}

.section-eyebrow {
    font-size: 11px;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: rgba(39, 245, 243, 1);
    font-weight: 700;
    margin-bottom: 12px;
}

.section-title {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(32px, 4vw, 48px);
    font-weight: 700;
    line-height: 1.15;
    color: var(--navy);
    margin-bottom: 16px;
}

.section-title em {
    font-style: italic;
    color: var(--gold);
}

.section-desc {
    font-size: 15px;
    color: var(--text-mid);
    line-height: 1.8;
    max-width: 600px;
}

/* ========== QUOTES / LOAN PROGRAMS SECTION ========== */
.quotes-section {
    padding: 90px 0;
    background: var(--white);
}

.quotes-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 16px;
    margin-top: 50px;
}

.quote-card {
    border-radius: 12px;
    padding: 32px 28px;
    text-decoration: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    transition: all .25s;
    position: relative;
    overflow: hidden;
}

.quote-card::before {
    content: '';
    position: absolute;
    top: -30px;
    right: -30px;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: rgba(255,255,255,.08);
}

.quote-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 20px 50px rgba(0,0,0,.2);
}

.quote-card.blue { background: linear-gradient(135deg, #1a3a8f, #2850b0); }
.quote-card.red { background: linear-gradient(135deg, #9b1b30, #c0392b); }
.quote-card.green { background: linear-gradient(135deg, #0f5132, #1a7a4a); }
.quote-card.purple { background: linear-gradient(135deg, #4a1272, #7b2fbe); }
.quote-card.teal { background: linear-gradient(135deg, #0d6b6b, #148f8f); }
.quote-card.gold-bg { background: linear-gradient(135deg, #7a5200, #c9a84c); }

.quote-card-left { flex: 1; }
.quote-card-icon { font-size: 30px; margin-bottom: 12px; }
.quote-card-name { font-size: 18px; font-weight: 800; color: #fff; margin-bottom: 4px; }
.quote-card-desc { font-size: 12px; color: rgba(255,255,255,.7); line-height: 1.5; }
.quote-card-arrow {
    width: 44px;
    height: 44px;
    background: rgba(255,255,255,.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 16px;
    transition: background .2s;
    flex-shrink: 0;
}
.quote-card:hover .quote-card-arrow { background: rgba(255,255,255,.25); }

/* ========== CTA STRIP ========== */
.cta-strip {
    background: rgba(211, 13, 72, 1.0);
background: linear-gradient(315deg, rgba(211, 13, 72, 1.0), rgba(142, 16, 26, 1.0));
    padding: 10px 40px;
    position: relative;
    overflow: hidden;
}

.cta-strip::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 50% 0%, rgba(201,168,76,.12) 0%, transparent 70%);
}

.cta-strip-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    flex-wrap: wrap;
    position: relative;
    z-index: 1;
}

.cta-strip h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(26px, 3.5vw, 42px);
    color: var(--white);
    font-weight: 700;
    line-height: 1.2;
}

.cta-strip h2 em {
    color: var(--gold-light);
    font-style: italic;
}

.cta-strip-btns {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    flex-shrink: 0;
}

.btn-cta-call {
    background: #fff;
    color: var(--navy);
    padding: 16px 28px;
    border-radius: 4px;
    text-decoration: none;
    font-weight: 800;
    font-size: 13px;
    letter-spacing: 1px;
    text-transform: uppercase;
    display: flex;
    align-items: center;
    gap: 10px;
    transition: all .2s;
}

.btn-cta-call:hover {
    background: var(--gold-pale);
    transform: translateY(-2px);
}

.btn-cta-wa {
    background: #25d366;
    color: #fff;
    padding: 16px 28px;
    border-radius: 4px;
    text-decoration: none;
    font-weight: 800;
    font-size: 13px;
    letter-spacing: 1px;
    text-transform: uppercase;
    display: flex;
    align-items: center;
    gap: 10px;
    transition: all .2s;
}

.btn-cta-wa:hover {
    background: #20ba5a;
    transform: translateY(-2px);
}

/* ========== INSURANCE / FULL SOLUTIONS GRID ========== */
.insurance-section {
    padding: 90px 0;
    background: var(--cream);
}

.insurance-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(185px, 1fr));
    gap: 16px;
    margin-top: 50px;
}

.ins-card {
    background: var(--white);
    border: 1px solid rgba(0,0,0,.07);
    border-radius: 12px;
    padding: 28px 20px;
    text-align: center;
    text-decoration: none;
    transition: all .25s;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
    position: relative;
    overflow: hidden;
}

.ins-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0);
    transition: transform .25s;
}

.ins-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 20px 50px rgba(0,0,0,.1);
    border-color: rgba(201,168,76,.3);
}

.ins-card:hover::after {
    transform: scaleX(1);
}

.ins-card-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    color: var(--gold-light);
}

.ins-card-name {
    font-weight: 700;
    font-size: 13px;
    color: var(--navy);
    letter-spacing: .3px;
}

.ins-card-desc {
    font-size: 11px;
    color: var(--text-light);
    line-height: 1.5;
}

.ins-card-cta {
    font-size: 11px;
    font-weight: 700;
    color: var(--gold);
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-top: 4px;
}

/* ========== WHY CHOOSE US SECTION ========== */
.why-section {
    padding: 20px 0;
    background: var(--navy);
    margin-top: 50px;
}

.why-section .section-title {
    color: var(--white);
}

.why-section .section-desc {
    color: rgba(255,255,255,.6);
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
    gap: 24px;
    margin-top: 50px;
}

.why-card {
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(201,168,76,.15);
    border-radius: 12px;
    padding: 2px 8px;
    transition: all .25s;
}

.why-card:hover {
    background: rgba(255,255,255,.07);
    border-color: rgba(201,168,76,.35);
}

.why-card-num {
    font-family: 'Cormorant Garamond', serif;
    font-size: 48px;
    font-weight: 700;
    color: rgba(39, 245, 243, 1);
    line-height: 1;
    margin-bottom: 12px;
}

.why-card-title {
    font-weight: 700;
    font-size: 20px;
    color: var(--gold-light);
    margin-bottom: 10px;
}

.why-card-text {
    font-size: 18px;
    color: rgba(255,255,255,.55);
    line-height: 1.7;
}

/* ========== MIGUEL SECTION ========== */
.miguel-section {
    padding: 10px 0;
    background: var(--cream);
}

.miguel-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 70px;
    align-items: flex-start;
}

.miguel-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--gold-pale);
    border: 1px solid rgba(201,168,76,.4);
    padding: 6px 14px;
    border-radius: 50px;
    margin-bottom: 20px;
}

.miguel-badge span {
    font-size: 11px;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 700;
}

.miguel-text p {
    font-size: 15px;
    color: var(--text-mid);
    line-height: 1.8;
    margin-bottom: 16px;
}

.miguel-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 32px 0;
}

.stat-item {
    text-align: center;
}

.stat-num {
    font-family: 'Cormorant Garamond', serif;
    font-size: 42px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1;
}

.stat-label {
    font-size: 11px;
    color: var(--text-light);
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-top: 4px;
}

.miguel-contact {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 28px;
}

.contact-row {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
    color: var(--navy);
    font-weight: 600;
    font-size: 14px;
    transition: color .2s;
}

.contact-row:hover {
    color: var(--gold);
}

.contact-row-icon {
    width: 40px;
    height: 40px;
    background: var(--navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 15px;
    flex-shrink: 0;
}

/* ========== MIGUEL VISUAL CARD ========== */
.miguel-visual {
    background: #020024;
background: linear-gradient(90deg, rgba(2, 0, 36, 1) 0%, rgba(9, 9, 121, 1) 35%, rgba(92, 4, 4, 1) 100%);
    border-radius: 20px;
    padding: 10px 20px;
    text-align: center;
    position: relative;
    overflow: hidden;
    margin-top: 0;
}

.miguel-visual::before {
    content: '';
    position: absolute;
    top: 0px;
    right: -40px;
    width: 200px;
    height: 274px;
    border-radius: 50%;
    background: rgba(201,168,76,.08);
}

.miguel-visual-icon {
    margin-top: 0;
    padding-top: 0;
}

.miguel-visual h3 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 28px;
    color: #fff;
    font-weight: 700;
    margin-bottom: 6px;
}

.miguel-visual-title {
    font-size: 12px;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 24px;
}

.license-badges {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-top: 20px;
}

.license-badge {
    background: rgba(201,168,76,.2);
    border: 1px solid rgba(201,168,76,.2);
    border-radius: 8px;
    padding: 10px 16px;
    font-size: 16px;
    color: rgba(237, 221, 83, 1);
    display: flex;
    align-items: center;
    gap: 10px;
}

.license-badge i {
    color: var(--gold);
}

/* ========== TESTIMONIALS SECTION ========== */
.testimonials-section {
    padding: 90px 0;
    background: var(--white);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
    gap: 24px;
    margin-top: 50px;
}

.testimonial-card {
    background: var(--cream);
    border-radius: 12px;
    padding: 32px;
    border: 1px solid rgba(0,0,0,.06);
}

.stars {
    color: var(--gold);
    font-size: 14px;
    margin-bottom: 16px;
    letter-spacing: 2px;
}

.testimonial-text {
    font-size: 14px;
    color: var(--text-mid);
    line-height: 1.8;
    font-style: italic;
    margin-bottom: 20px;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.testimonial-avatar {
    width: 44px;
    height: 44px;
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-size: 16px;
    font-weight: 700;
    font-family: 'Cormorant Garamond', serif;
    flex-shrink: 0;
}

.testimonial-name {
    font-weight: 700;
    font-size: 14px;
    color: var(--navy);
}

.testimonial-loc {
    font-size: 11px;
    color: var(--text-light);
    letter-spacing: .5px;
}

/* ========== FINAL CTA ========== */
.final-cta {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    padding: 10px 40px;
    text-align: center;
}

.final-cta h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(32px, 4vw, 52px);
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
}

.final-cta p {
    font-size: 15px;
    color: rgba(10,22,40,.7);
    margin-bottom: 36px;
    max-width: 560px;
    margin-left: auto;
    margin-right: auto;
}

.final-cta-btns {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
}

.btn-final-dark {
    background: var(--navy);
    color: #fff;
    padding: 18px 36px;
    border-radius: 4px;
    text-decoration: none;
    font-weight: 800;
    font-size: 13px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    transition: all .2s;
    box-shadow: 0 8px 30px rgba(10,22,40,.2);
}

.btn-final-dark:hover {
    background: var(--navy-mid);
    transform: translateY(-2px);
}

.btn-final-wa {
    background: #25d366;
    color: #fff;
    padding: 18px 36px;
    border-radius: 4px;
    text-decoration: none;
    font-weight: 800;
    font-size: 13px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    transition: all .2s;
}

.btn-final-wa:hover {
    background: #20ba5a;
    transform: translateY(-2px);
}

/* ========== FOOTER ========== */
footer {
    background: var(--navy);
    padding: 60px 40px 30px;
    color: rgba(255,255,255,.5);
}

.footer-inner {
    max-width: 1200px;
    margin: 0 auto;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 50px;
}

.footer-brand p {
    font-size: 13px;
    line-height: 1.8;
    margin-top: 16px;
    color: rgba(255,255,255,.4);
}

.footer-col h4 {
    font-size: 11px;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 18px;
    font-weight: 700;
}

.footer-col a {
    display: block;
    color: rgba(176,244,247,.45);
    text-decoration: none;
    font-size: 13px;
    padding: 4px 0;
    transition: color .2s;
}

.footer-col a:hover {
    color: var(--gold-light);
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.08);
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 12px;
}

.footer-bottom a {
    color: var(--gold);
    text-decoration: none;
}

/* ========== FIXED BOTTOM BAR ========== */
.fbb {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--navy);
    border-top: 1px solid rgba(201,168,76,.3);
    padding: 10px 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    z-index: 998;
    flex-wrap: wrap;
}

.fbb-btn {
    padding: 9px 18px;
    border-radius: 50px;
    text-decoration: none;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .5px;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: all .2s;
}

.fbb-btn:hover {
    transform: translateY(-2px);
}

.fbb-btn.gold {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
}

.fbb-btn.green {
    background: #25d366;
    color: #fff;
}

.fbb-btn.blue {
    background: #1a3a8f;
    color: #fff;
}

/* ========== ANIMATIONS ========== */
@keyframes fadeUp {
    from { opacity: 0; transform: translateY(24px); }
    to { opacity: 1; transform: translateY(0); }
}

.hero-content {
    animation: fadeUp .7s ease both;
}

.hero-card {
    animation: fadeUp .7s .2s ease both;
}

/* ========== MAIN LOGO GRADIENT ========== */
.logo-text-main {
    font-family: 'Cormorant Garamond', serif;
    font-size: 40px;
    font-weight: 700;
    background: linear-gradient(135deg, #F7E05E 0%, #D4AF37 30%, #B87C1E 70%, #F7E05E 100%);
    background-clip: text;
    -webkit-background-clip: text;
    color: transparent;
    text-shadow: 2px 2px 0 rgba(0,0,0,0.2), 4px 4px 8px rgba(0,0,0,0.3), 0 1px 0 rgba(255,255,255,0.4) inset;
    letter-spacing: 0.5px;
    transition: all 0.3s ease;
}

.logo-text-main:hover {
    text-shadow: 2px 2px 0 rgba(0,0,0,0.3), 6px 6px 12px rgba(0,0,0,0.4);
    transform: translateY(-1px);
}

/* ========== CONTENT BLOCK STYLES ========== */
.content-block {
    max-width: 1280px;
    margin: 0 auto;
    padding: 40px 24px;
    background: var(--white);
}

.values-bar {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    justify-content: center;
    margin: 24px 0 32px 0;
}

.value-badge {
    background: var(--gold-pale);
    padding: 10px 24px;
    border-radius: 50px;
    font-weight: 700;
    color: var(--navy);
    font-size: 14px;
}

.pastel-card {
    background: #e8f0fe;
    border-radius: 16px;
    padding: 28px;
    margin: 24px 0;
    border-left: 4px solid var(--gold);
}

.pastel-card-green {
    background: #e6f4ea;
    border-radius: 16px;
    padding: 28px;
    margin: 24px 0;
    border-left: 4px solid #0f5132;
}

.pastel-card-purple {
    background: #f3e8ff;
    border-radius: 16px;
    padding: 28px;
    margin: 24px 0;
    border-left: 4px solid #4a1272;
}

.highlight-box {
    background: #f8f6f0;
    border-radius: 16px;
    padding: 28px;
    margin: 24px 0;
    border: 1px solid rgba(201,168,76,0.3);
}

.fact-box {
    background: #fef9e6;
    border-radius: 12px;
    padding: 20px;
    margin: 16px 0;
    border-left: 3px solid var(--gold);
}

/* ========== TESTIMONIALS WIDGET STYLES ========== */
.testimonials-wrapper {
    max-width: 1280px;
    margin: 0 auto;
    padding: 60px 24px;
    background: var(--cream);
}

.testimonials-header {
    text-align: center;
    margin-bottom: 48px;
}

.testimonials-header .gold-line {
    display: inline-block;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    width: 60px;
    height: 4px;
    margin-bottom: 20px;
    border-radius: 2px;
}

.testimonials-header h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 42px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
}

.testimonials-header h2 em {
    color: var(--gold);
    font-style: italic;
}

.testimonials-header p {
    font-family: 'Montserrat', sans-serif;
    font-size: 16px;
    color: var(--text-mid);
    max-width: 600px;
    margin: 0 auto;
}

.review-platform-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    margin-bottom: 24px;
}

.platform-info {
    display: flex;
    align-items: center;
    gap: 15px;
}

.platform-logo {
    height: 30px;
}

.rating-number {
    font-size: 24px;
    font-weight: 700;
    color: var(--navy);
}

.stars {
    display: flex;
    gap: 3px;
}

.stars.google i {
    color: #FBBC05;
}

.stars.facebook i {
    color: #4267B2;
}

.review-count {
    font-size: 14px;
    color: var(--text-mid);
}

.write-review-btn {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    padding: 10px 24px;
    border-radius: 40px;
    text-decoration: none;
    font-weight: 700;
    font-size: 13px;
    transition: all 0.2s;
}

.write-review-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(201,168,76,0.3);
}

.testimonial-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 24px;
}

.testimonial-card {
    background: var(--white);
    border-radius: 20px;
    padding: 24px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.05);
    border: 1px solid rgba(201,168,76,0.2);
    transition: transform 0.2s, box-shadow 0.2s;
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 30px rgba(0,0,0,0.1);
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 16px;
}

.author-avatar {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-weight: 700;
    font-size: 18px;
}

.author-name {
    font-weight: 700;
    color: var(--navy);
}

.recommend-badge {
    background: #4267B2;
    color: white;
    padding: 2px 8px;
    border-radius: 20px;
    font-size: 10px;
    font-weight: 600;
    margin-top: 4px;
    display: inline-block;
}

.testimonial-text {
    color: var(--text-mid);
    line-height: 1.7;
    font-size: 14px;
}

.testimonial-footer {
    margin-top: 12px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.platform-icon {
    height: 16px;
}

.testimonial-date {
    font-size: 11px;
    color: var(--text-light);
}

.trustindex-badge {
    text-align: center;
    margin-top: 48px;
    padding-top: 24px;
    border-top: 1px solid rgba(0,0,0,0.05);
}

.trustindex-badge-inner {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    background: var(--white);
    padding: 8px 20px;
    border-radius: 50px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}

/* ========== RESPONSIVE ========== */
@media (max-width: 900px) {
    .hero-grid {
        grid-template-columns: 1fr;
    }
    .hero-card {
        display: block;
    }
    .miguel-inner {
        grid-template-columns: 1fr;
    }
    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }
    .topbar {
        display: none;
    }
    .main-nav ul {
        padding: 0 20px;
    }
    .main-nav ul li a {
        font-size: 11px;
        padding: 10px 8px;
    }
    
    .hero {
        padding: 60px 20px;
    }
    .section-wrap {
        padding: 0 20px;
    }
}

@media (max-width: 600px) {
    .footer-grid {
        grid-template-columns: 1fr;
    }
    .float-actions {
        display: none;
    }
    .insurance-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .testimonials-wrapper {
        padding: 40px 16px;
    }
    .testimonials-header h2 {
        font-size: 32px;
    }
    .review-platform-header {
        flex-direction: column;
        gap: 15px;
        text-align: center;
    }
    .platform-info {
        flex-direction: column;
        text-align: center;
    }
    .header-inner {
        flex-direction: column;
        padding: 12px 16px !important;
        gap: 10px;
    }
    .logo-area {
        justify-content: center;
    }
    .logo-text-main {
        font-size: 18px;
    }
    .logo-text-sub {
        font-size: 8px;
    }
    .header-cta {
        justify-content: center;
        flex-wrap: wrap;
    }
    .header-phone {
        font-size: 12px;
    }
    .btn-header-quote {
        padding: 6px 12px;
        font-size: 10px;
    }
    .main-nav ul {
        justify-content: center;
        padding: 8px 0;
    }
    .main-nav ul li a {
        padding: 6px 8px;
        font-size: 9px;
    }
  
/* ========== TART TRUST SECTION CSS========== */

.trust-section{font-family:'Oswald',Arial,sans-serif;width:100%;margin-bottom:30px}
.trust-header{text-align:center;margin-bottom:20px}
.trust-badge-pill{display:inline-block;background:rgba(201,168,76,0.12);border:1px solid rgba(201,168,76,0.35);color:#c9a84c;font-size:11px;letter-spacing:3px;padding:4px 14px;border-radius:20px;margin-bottom:10px;text-transform:uppercase}
.trust-title{font-size:22px;font-weight:600;color:#0a1628;margin-bottom:4px}
.trust-sub{font-size:13px;color:#888;font-family:Arial,sans-serif}
.trust-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:20px}
.trust-stat{background:linear-gradient(135deg,#0a1628,#112240);border-radius:12px;padding:16px;text-align:center;border:1px solid rgba(201,168,76,0.2)}
.trust-stat-num{font-size:28px;font-weight:700;color:#e4c97a;line-height:1;margin-bottom:4px}
.trust-stat-label{font-size:11px;color:rgba(128, 252, 128);letter-spacing:1px;text-transform:uppercase}
.trust-badges{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:20px}
.trust-badge{background:#fff;border:1px solid rgba(10,22,40,0.1);border-radius:12px;padding:14px 10px;text-align:center;transition:border-color 0.2s}
.trust-badge:hover{border-color:rgba(201,168,76,0.4)}
.trust-badge-icon{font-size:28px;margin-bottom:6px}
.trust-badge-title{font-size:13px;font-weight:600;color:#0a1628;margin-bottom:2px}
.trust-badge-desc{font-size:11px;color:#888;font-family:Arial,sans-serif;line-height:1.4;font-weight:400}
.carrier-wrap{background:linear-gradient(135deg,#22C1C3,#090979);border-radius:12px;padding:18px;border:1px solid rgba(34, 193, 195, 1)}
.carrier-label{text-align:center;font-size:11px;letter-spacing:2px;color:rgba(201,168,76,0.6);text-transform:uppercase;margin-bottom:14px}
.carrier-logos{display:flex;flex-wrap:wrap;justify-content:center;gap:10px}
.carrier-logo{background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.1);border-radius:8px;padding:8px 16px;font-size:13px;font-weight:600;color:rgba(255,255,255,0.7);font-family:Arial,sans-serif;white-space:nowrap;transition:all 0.2s}
.carrier-logo:hover{background:rgba(201,168,76,0.15);border-color:rgba(201,168,76,0.4);color:#e4c97a}
.license-bar{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:14px;font-size:12px;color:rgba(255,255,255,0.35);font-family:Arial,sans-serif;flex-wrap:wrap}
.license-dot{width:4px;height:4px;border-radius:50%;background:#c9a84c;flex-shrink:0}
@media(max-width:600px){
    .trust-stats{grid-template-columns:repeat(2,1fr)}
    .trust-badges{grid-template-columns:repeat(2,1fr)}
    .license-bar{gap:6px;font-size:11px}
}