/* ============================================================
   Financ Insurance — Global Stylesheet
   ============================================================ */

/* Google Fonts loaded in HTML head */

/* ─── CSS Variables ─────────────────────────────────────── */
:root {
  --bg-warm-white:      #FCFAF8;
  --bg-soft-linen:      #F3EEE9;
  --brand-mauve:        #845261;
  --cta-deep-slate:     #2E363F;
  --cta-hover:          #1F2730;
  --accent-gold:        #C8A24B;
  --heading-charcoal:   #1D232A;
  --body-slate:         #68707B;
  --border-beige:       #E5DED6;
  --success-emerald:    #2F855A;
  --warning-amber:      #D69E2E;
  --danger-crimson:     #C53030;
}

/* ─── Base ──────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  background-color: var(--bg-warm-white);
  color: var(--body-slate);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Syne', sans-serif;
  color: var(--heading-charcoal);
  font-weight: 700;
  line-height: 1.2;
}

p { color: var(--body-slate); }

a {
  color: var(--brand-mauve);
  text-decoration: none;
  transition: color 0.2s;
}
a:hover { color: var(--accent-gold); }

/* ─── Buttons ───────────────────────────────────────────── */
.btn-cta {
  background-color: var(--cta-deep-slate);
  color: #fff;
  border: none;
  border-radius: 50px;
  padding: 0.75rem 2rem;
  font-family: 'Syne', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.03em;
  transition: background-color 0.25s, transform 0.2s, box-shadow 0.2s;
  cursor: pointer;
}
.btn-cta:hover {
  background-color: var(--cta-hover);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(46,54,63,0.18);
}

.btn-cta-outline {
  background: transparent;
  color: var(--accent-gold);
  border: 2px solid var(--accent-gold);
  border-radius: 50px;
  padding: 0.65rem 1.75rem;
  font-family: 'Syne', sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.03em;
  transition: background-color 0.25s, color 0.25s, transform 0.2s;
  cursor: pointer;
  display: inline-block;
}
.btn-cta-outline:hover {
  background-color: var(--accent-gold);
  color: #fff;
  transform: translateY(-2px);
}

.btn-mauve {
  background-color: var(--brand-mauve);
  color: #fff;
  border: none;
  border-radius: 50px;
  padding: 0.75rem 2rem;
  font-family: 'Syne', sans-serif;
  font-weight: 600;
  transition: background-color 0.25s, transform 0.2s;
  cursor: pointer;
  display: inline-block;
}
.btn-mauve:hover {
  background-color: #6e3f52;
  color: #fff;
  transform: translateY(-2px);
}

/* ─── Navbar ────────────────────────────────────────────── */
.site-navbar {
  background-color: var(--bg-warm-white);
  border-bottom: 1px solid var(--border-beige);
  padding: 1rem 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(29,35,42,0.05);
}
.site-navbar .navbar-brand img { height: 44px; width: auto; }
.site-navbar .nav-link {
  color: var(--heading-charcoal);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 0.4rem 1rem;
  transition: color 0.2s;
}
.site-navbar .nav-link:hover,
.site-navbar .nav-link.active { color: var(--brand-mauve); }
.navbar-toggler { border: 1px solid var(--border-beige); }

/* ─── Section Wrappers ──────────────────────────────────── */
.section-pad { padding: 90px 0; }
.section-pad-sm { padding: 60px 0; }

.section-label {
  font-family: 'Syne', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-gold);
  display: block;
  margin-bottom: 0.5rem;
}

.section-title {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  color: var(--heading-charcoal);
  margin-bottom: 1rem;
}

.section-intro {
  font-size: 1.05rem;
  color: var(--body-slate);
  max-width: 560px;
}

.gold-rule {
  width: 48px;
  height: 3px;
  background: var(--accent-gold);
  border-radius: 4px;
  margin: 0.75rem 0 1.5rem;
}

/* ─── Cards ─────────────────────────────────────────────── */
.fi-card {
  background: var(--bg-soft-linen);
  border: 1px solid var(--border-beige);
  border-radius: 16px;
  padding: 2rem;
  transition: transform 0.25s, box-shadow 0.25s;
}
.fi-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 40px rgba(29,35,42,0.08);
}

.fi-card-white {
  background: #fff;
  border: 1px solid var(--border-beige);
  border-radius: 16px;
  padding: 1.5rem;
  transition: transform 0.25s, box-shadow 0.25s;
  box-shadow: 0 4px 16px rgba(29,35,42,0.04);
}
.fi-card-white:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(29,35,42,0.09);
}

.fi-card-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  background: rgba(200,162,75,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.1rem;
  color: var(--accent-gold);
  font-size: 1.4rem;
}

.fi-card-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  border-radius: 12px;
  margin-bottom: 1rem;
}

/* ─── Trust Badges / Pill Tags ──────────────────────────── */
.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--bg-soft-linen);
  border: 1px solid var(--border-beige);
  border-radius: 50px;
  padding: 0.4rem 1rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--heading-charcoal);
}
.trust-badge i { color: var(--accent-gold); font-size: 0.9rem; }

.pill-tag {
  display: inline-block;
  background: rgba(200,162,75,0.12);
  color: var(--accent-gold);
  border-radius: 50px;
  padding: 0.22rem 0.85rem;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.pill-tag-mauve {
  background: rgba(132,82,97,0.1);
  color: var(--brand-mauve);
}

/* ─── Multi-Step Form ───────────────────────────────────── */
.form-card {
  background: var(--bg-soft-linen);
  border-radius: 20px;
  padding: 2.5rem 2rem;
  box-shadow: 0 12px 48px rgba(29,35,42,0.10);
  border: 1px solid var(--border-beige);
}

.form-progress {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin-bottom: 2rem;
}
.form-progress .step-dot {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--border-beige);
  border: 2px solid var(--border-beige);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--body-slate);
  transition: all 0.3s;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.form-progress .step-dot.active {
  background: var(--accent-gold);
  border-color: var(--accent-gold);
  color: #fff;
  box-shadow: 0 0 0 4px rgba(200,162,75,0.2);
}
.form-progress .step-dot.completed {
  background: var(--success-emerald);
  border-color: var(--success-emerald);
  color: #fff;
}
.form-progress .step-line {
  height: 2px;
  width: 36px;
  background: var(--border-beige);
  transition: background 0.3s;
}
.form-progress .step-line.completed { background: var(--success-emerald); }

.form-step { display: none; }
.form-step.active { display: block; animation: fadeSlide 0.3s ease; }

@keyframes fadeSlide {
  from { opacity: 0; transform: translateX(12px); }
  to   { opacity: 1; transform: translateX(0); }
}

.fi-input {
  width: 100%;
  border: 1.5px solid var(--border-beige);
  border-radius: 10px;
  padding: 0.8rem 1rem;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.95rem;
  color: var(--heading-charcoal);
  background: #fff;
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
}
.fi-input:focus {
  border-color: var(--accent-gold);
  box-shadow: 0 0 0 3px rgba(200,162,75,0.15);
}
.fi-input.is-valid { border-color: var(--success-emerald); }
.fi-input.is-invalid { border-color: var(--danger-crimson); }

.fi-label {
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--heading-charcoal);
  margin-bottom: 0.4rem;
  display: block;
}

.fi-error {
  color: var(--danger-crimson);
  font-size: 0.8rem;
  margin-top: 0.3rem;
  display: none;
}
.fi-error.visible { display: block; }

.fi-select {
  width: 100%;
  border: 1.5px solid var(--border-beige);
  border-radius: 10px;
  padding: 0.8rem 1rem;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.95rem;
  color: var(--heading-charcoal);
  background: #fff;
  appearance: none;
  cursor: pointer;
  outline: none;
  transition: border-color 0.2s;
}
.fi-select:focus { border-color: var(--accent-gold); box-shadow: 0 0 0 3px rgba(200,162,75,0.15); }

.phone-group { display: flex; gap: 0.5rem; }
.phone-group .country-code { width: 120px; flex-shrink: 0; }
.phone-group .phone-num { flex: 1; }

.step-label-text {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent-gold);
  margin-bottom: 0.3rem;
}
.step-heading {
  font-family: 'Syne', sans-serif;
  font-size: 1.3rem;
  color: var(--heading-charcoal);
  margin-bottom: 1.5rem;
}

.form-nav { display: flex; gap: 0.75rem; margin-top: 1.5rem; }
.btn-back {
  background: transparent;
  border: 1.5px solid var(--border-beige);
  border-radius: 50px;
  padding: 0.65rem 1.5rem;
  font-family: 'Syne', sans-serif;
  font-weight: 600;
  color: var(--body-slate);
  cursor: pointer;
  transition: all 0.2s;
}
.btn-back:hover { border-color: var(--brand-mauve); color: var(--brand-mauve); }
.btn-next {
  flex: 1;
  background: var(--cta-deep-slate);
  color: #fff;
  border: none;
  border-radius: 50px;
  padding: 0.75rem 1.5rem;
  font-family: 'Syne', sans-serif;
  font-weight: 600;
  cursor: pointer;
  transition: background-color 0.2s, transform 0.2s;
}
.btn-next:hover { background: var(--cta-hover); transform: translateY(-2px); }

/* ─── Hero Section ──────────────────────────────────────── */
.hero-section {
  background-color: var(--bg-warm-white);
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 100px 0 60px;
  position: relative;
  overflow: hidden;
}
.hero-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 60% 50%, rgba(200,162,75,0.07) 0%, transparent 70%);
  pointer-events: none;
}
.hero-bg-blob {
  position: absolute;
  right: -5%;
  top: 50%;
  transform: translateY(-50%);
  width: 52%;
  height: 90%;
  border-radius: 40% 60% 60% 40% / 50% 40% 60% 50%;
  background: var(--bg-soft-linen);
  z-index: 0;
}
.hero-content { position: relative; z-index: 1; }
.hero-img-wrap {
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 50%;
  height: 80%;
  z-index: 0;
  overflow: hidden;
  border-radius: 24px 0 0 24px;
}
.hero-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.35;
}

.hero-headline {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  line-height: 1.15;
  margin-bottom: 1.2rem;
}
.hero-headline span { color: var(--brand-mauve); }

/* ─── How It Works ──────────────────────────────────────── */
.how-flow {
  display: flex;
  align-items: flex-start;
  gap: 0;
  flex-wrap: nowrap;
  justify-content: center;
}
.how-step {
  flex: 1;
  text-align: center;
  padding: 0 1rem;
  position: relative;
}
.how-step-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--bg-soft-linen);
  border: 2px solid var(--border-beige);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  font-size: 1.5rem;
  color: var(--brand-mauve);
  position: relative;
  z-index: 1;
  transition: background 0.2s, border-color 0.2s;
}
.how-step:hover .how-step-icon {
  background: var(--brand-mauve);
  border-color: var(--brand-mauve);
  color: #fff;
}
.how-connector {
  position: absolute;
  top: 32px;
  left: calc(50% + 32px);
  right: calc(-50% + 32px);
  height: 2px;
  background: linear-gradient(90deg, var(--border-beige) 0%, var(--accent-gold) 100%);
  z-index: 0;
}
.how-step:last-child .how-connector { display: none; }

/* ─── FAQ Accordion ─────────────────────────────────────── */
.fi-accordion .accordion-item {
  background: var(--bg-soft-linen);
  border: 1px solid var(--border-beige);
  border-radius: 12px !important;
  margin-bottom: 0.75rem;
  overflow: hidden;
}
.fi-accordion .accordion-button {
  background: var(--bg-soft-linen);
  color: var(--heading-charcoal);
  font-family: 'Syne', sans-serif;
  font-weight: 600;
  font-size: 1rem;
  padding: 1.2rem 1.5rem;
  box-shadow: none;
}
.fi-accordion .accordion-button:not(.collapsed) {
  background: var(--bg-soft-linen);
  color: var(--brand-mauve);
  border-bottom: 1px solid var(--border-beige);
}
.fi-accordion .accordion-button::after {
  filter: none;
}
.fi-accordion .accordion-button:not(.collapsed)::after {
  filter: none;
}
.fi-accordion .accordion-body {
  color: var(--body-slate);
  font-size: 0.95rem;
  padding: 1rem 1.5rem;
}

/* ─── CTA Banner ────────────────────────────────────────── */
.cta-banner {
  background: var(--cta-deep-slate);
  border-radius: 24px;
  padding: 64px 48px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(200,162,75,0.08);
}
.cta-banner::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -30px;
  width: 240px; height: 240px;
  border-radius: 50%;
  background: rgba(200,162,75,0.05);
}
.cta-banner h2 { color: #fff; }
.cta-banner p { color: rgba(255,255,255,0.7); }

/* ─── Footer ────────────────────────────────────────────── */
.site-footer {
  background: var(--heading-charcoal);
  color: rgba(255,255,255,0.7);
  padding: 70px 0 30px;
}
.site-footer h5 {
  color: #fff;
  font-family: 'Syne', sans-serif;
  font-size: 1rem;
  margin-bottom: 1.2rem;
}
.site-footer p, .site-footer span { font-size: 0.88rem; }
.site-footer a {
  color: rgba(255,255,255,0.6);
  font-size: 0.88rem;
  display: block;
  margin-bottom: 0.5rem;
  transition: color 0.2s;
}
.site-footer a:hover { color: var(--accent-gold); }
.footer-logo img { height: 36px; width: auto; }
.footer-divider {
  border-top: 1px solid rgba(255,255,255,0.08);
  margin: 2rem 0 1.5rem;
}
.footer-bottom { font-size: 0.82rem; color: rgba(255,255,255,0.4); }
.social-icon {
  width: 36px; height: 36px;
  /* border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15); */
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
  transition: border-color 0.2s, color 0.2s;
  margin-right: 0.4rem;
}
.social-icon:hover {
  border-color: var(--accent-gold);
  color: var(--accent-gold);
}

/* ─── Blog Cards ────────────────────────────────────────── */
.blog-card {
  background: #fff;
  border: 1px solid var(--border-beige);
  border-radius: 16px;
  overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s;
}
.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(29,35,42,0.09);
}
.blog-card img {
  width: 100%;
  height: 220px;
  object-fit: cover;
}
.blog-card-body { padding: 1.5rem; }
.blog-card-title {
  font-family: 'Syne', sans-serif;
  font-size: 1.05rem;
  color: var(--heading-charcoal);
  font-weight: 700;
  margin: 0.5rem 0;
}
.blog-card-excerpt { font-size: 0.9rem; color: var(--body-slate); }

/* ─── Offer Cards ───────────────────────────────────────── */
.offer-card {
  background: #fff;
  border: 1px solid var(--border-beige);
  border-radius: 20px;
  overflow: hidden;
  transition: transform 0.25s, box-shadow 0.25s;
  box-shadow: 0 4px 20px rgba(29,35,42,0.05);
}
.offer-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 48px rgba(29,35,42,0.1);
}
.offer-card-head {
  background: var(--bg-soft-linen);
  padding: 1.5rem;
  border-bottom: 1px solid var(--border-beige);
}
.offer-card-body { padding: 1.5rem; }
.offer-badge {
  display: inline-block;
  background: rgba(200,162,75,0.15);
  color: var(--accent-gold);
  border-radius: 50px;
  padding: 0.2rem 0.8rem;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}
.offer-stat {
  display: flex;
  justify-content: space-between;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border-beige);
  font-size: 0.88rem;
}
.offer-stat:last-of-type { border-bottom: none; }
.offer-stat-label { color: var(--body-slate); }
.offer-stat-value { font-weight: 700; color: var(--heading-charcoal); }

/* ─── Page Header ───────────────────────────────────────── */
.page-header {
  background: var(--bg-soft-linen);
  padding: 80px 0 60px;
  border-bottom: 1px solid var(--border-beige);
}
.page-header h1 { font-size: clamp(2rem, 4vw, 3rem); }

/* ─── Contact Form ──────────────────────────────────────── */
.contact-info-block {
  background: var(--cta-deep-slate);
  border-radius: 20px;
  padding: 2.5rem 2rem;
  color: rgba(255,255,255,0.85);
  height: 100%;
}
.contact-info-block h4 { color: #fff; font-family: 'Syne', sans-serif; }
.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}
.contact-info-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: rgba(200,162,75,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-gold);
  flex-shrink: 0;
}

/* ─── Legal Pages ───────────────────────────────────────── */
.legal-sidebar {
  position: sticky;
  top: 90px;
}
.legal-nav a {
  display: block;
  padding: 0.5rem 1rem;
  border-left: 3px solid var(--border-beige);
  color: var(--body-slate);
  font-size: 0.88rem;
  margin-bottom: 0.3rem;
  transition: all 0.2s;
}
.legal-nav a:hover,
.legal-nav a.active {
  border-left-color: var(--accent-gold);
  color: var(--heading-charcoal);
  font-weight: 600;
}
.legal-section { margin-bottom: 3rem; }
.legal-section h2 {
  font-size: 1.4rem;
  margin-bottom: 0.5rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--accent-gold);
  display: inline-block;
}
.legal-section h3 { font-size: 1.1rem; color: var(--brand-mauve); margin-top: 1.5rem; }

/* ─── Responsive ────────────────────────────────────────── */
@media (max-width: 991px) {
  .hero-bg-blob { display: none; }
  .hero-img-wrap { display: none; }
  .hero-section { min-height: auto; padding: 80px 0 50px; }
  .how-flow { flex-wrap: wrap; gap: 2rem; }
  .how-connector { display: none; }
  .how-step { flex: 0 0 45%; }
  .cta-banner { padding: 48px 24px; }
}
@media (max-width: 575px) {
  .section-pad { padding: 60px 0; }
  .form-card { padding: 1.75rem 1.25rem; }
  .how-step { flex: 0 0 100%; }
  .phone-group { flex-direction: column; }
  .phone-group .country-code { width: 100%; }
}

/* ─── Utility ───────────────────────────────────────────── */
.text-gold { color: var(--accent-gold); }
.text-mauve { color: var(--brand-mauve); }
.text-charcoal { color: var(--heading-charcoal); }
.bg-linen { background-color: var(--bg-soft-linen); }
.bg-slate { background-color: var(--cta-deep-slate); }
.rounded-xl { border-radius: 16px; }
.rounded-2xl { border-radius: 24px; }
.shadow-soft { box-shadow: 0 8px 32px rgba(29,35,42,0.07); }
.overflow-hidden { overflow: hidden; }
.img-cover { width: 100%; height: 100%; object-fit: cover; }

/* ─── Font Weight Utilities ─────────────────────────────── */
.fw-600 { font-weight: 600 !important; }
.fw-700 { font-weight: 700 !important; }



.social-icons {
    display: flex;
    align-items: center;
    gap: 15px;
    flex-wrap: nowrap; /* Keeps all icons in one row */
}

.social-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    text-decoration: none;
    font-size: 18px;
}