:root {
  --color-primary: #1E3A8A;
  --color-accent: #F59E0B;
  --color-dark: #0F172A;
  --color-text: #1F2937;
  --color-muted: #4B5563;
  --color-light: #F8FAFC;
  --color-border: #E2E8F0;
  --color-surface: #FFFFFF;
  --shadow-sm: 0 10px 25px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 25px 60px rgba(15, 23, 42, 0.15);
  --radius-md: 16px;
  --radius-lg: 24px;
  --max-width: 1180px;
  --transition-base: all 0.3s ease;
}

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

body {
  margin: 0;
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
  color: var(--color-text);
  background: linear-gradient(180deg, #EEF2FF 0%, #FFFFFF 40%);
  line-height: 1.6;
  padding-bottom: 200px;
}

img {
  max-width: 100%;
  display: block;
  border-radius: var(--radius-md);
}

a {
  color: inherit;
  text-decoration: none;
}

ul,
ol {
  margin: 0;
  padding: 0;
  list-style: none;
}

button {
  font-family: inherit;
  cursor: pointer;
}

.container {
  width: min(100% - 2.5rem, var(--max-width));
  margin-inline: auto;
}

.section-title {
  font-family: 'Montserrat', 'Segoe UI', sans-serif;
  font-size: clamp(1.75rem, 2.5vw, 2.5rem);
  margin-bottom: 1rem;
  color: var(--color-dark);
  letter-spacing: -0.02em;
}

.section-subtitle {
  max-width: 700px;
  color: var(--color-muted);
  margin-bottom: 2.5rem;
  font-size: 1.05rem;
}

.site-header {
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(16px);
  box-shadow: 0 20px 40px rgba(15, 23, 42, 0.06);
  position: sticky;
  top: 0;
  z-index: 50;
}

.header-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
  gap: 1.5rem;
}

.brand {
  font-family: 'Montserrat', 'Segoe UI', sans-serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.brand span {
  display: inline-block;
  padding: 0.3rem 0.65rem;
  background: rgba(30, 58, 138, 0.1);
  border-radius: 999px;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  color: var(--color-primary);
  text-transform: uppercase;
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: none;
  background: rgba(30, 58, 138, 0.1);
  color: var(--color-primary);
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  transition: var(--transition-base);
}

.nav-toggle:hover {
  background: rgba(30, 58, 138, 0.18);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.5rem;
}

.nav-menu a {
  font-weight: 500;
  color: var(--color-muted);
  transition: var(--transition-base);
  position: relative;
  padding-bottom: 0.2rem;
}

.nav-menu a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -0.1rem;
  width: 100%;
  height: 2px;
  background: var(--color-accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

.nav-menu a:hover {
  color: var(--color-primary);
}

.nav-menu a:hover::after,
.nav-menu a.active::after {
  transform: scaleX(1);
}

.nav-menu a.active {
  color: var(--color-primary);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 0.85rem 1.5rem;
  border-radius: 999px;
  border: none;
  background: var(--color-primary);
  color: #FFFFFF;
  font-weight: 600;
  font-size: 0.98rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition-base);
}

.btn:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn.btn-alt {
  background: rgba(245, 158, 11, 0.12);
  color: var(--color-accent);
  box-shadow: none;
}

.btn.btn-alt:hover {
  background: rgba(245, 158, 11, 0.2);
  transform: translateY(-1px);
}

.page-hero {
  padding: clamp(4rem, 8vw, 7rem) 0;
  background: var(--color-surface);
  position: relative;
}

.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(236, 244, 255, 0) 0%, rgba(255, 255, 255, 0.85) 100%);
  opacity: 0.6;
  pointer-events: none;
}

.page-hero .container {
  position: relative;
  z-index: 1;
}

.page-hero.homepage-hero {
  background: linear-gradient(135deg, rgba(30, 58, 138, 0.92), rgba(30, 64, 175, 0.85)), url("https://picsum.photos/seed/finance-hero/1600/900");
  background-size: cover;
  background-position: center;
  color: #FFFFFF;
  min-height: 82vh;
  display: flex;
  align-items: center;
}

.page-hero.homepage-hero::after {
  display: none;
}

.hero-layout {
  display: grid;
  gap: 3rem;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  align-items: center;
}

.page-hero-content {
  max-width: 600px;
}

.page-hero.homepage-hero .page-hero-content h1 {
  color: #FFFFFF;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  letter-spacing: 0.12em;
  font-weight: 600;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 1.1rem;
}

.hero-eyebrow::before {
  content: "";
  width: 38px;
  height: 2px;
  background: rgba(245, 158, 11, 0.7);
  border-radius: 999px;
}

.page-hero h1 {
  font-family: 'Montserrat', 'Segoe UI', sans-serif;
  font-weight: 700;
  font-size: clamp(2.4rem, 4vw, 3.6rem);
  margin: 0 0 1rem;
  letter-spacing: -0.025em;
  color: var(--color-dark);
}

.page-hero.homepage-hero p {
  color: rgba(255, 255, 255, 0.88);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 2rem;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 2rem;
}

.hero-badges li {
  background: rgba(15, 23, 42, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.16);
  padding: 0.6rem 1rem;
  border-radius: 999px;
  font-size: 0.85rem;
  letter-spacing: 0.01em;
  backdrop-filter: blur(6px);
}

.hero-stats {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
}

.stat-card {
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  color: #FFFFFF;
  backdrop-filter: blur(14px);
}

.stat-card h3 {
  margin: 0;
  font-size: 2rem;
  font-weight: 700;
}

.stat-card span {
  font-size: 0.85rem;
  opacity: 0.85;
}

.hero-visual {
  position: relative;
  padding: 1.5rem;
  background: rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255, 255, 255, 0.16);
  box-shadow: var(--shadow-lg);
}

.hero-visual img {
  border-radius: var(--radius-lg);
  border: 6px solid rgba(255, 255, 255, 0.2);
}

.content-section {
  padding: clamp(3rem, 6vw, 5rem) 0;
  position: relative;
}

.content-section.alt-background {
  background: linear-gradient(0deg, rgba(30, 58, 138, 0.04), rgba(30, 58, 138, 0.04));
}

.grid {
  display: grid;
  gap: 2rem;
}

.grid.featured-grid {
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}

.grid.course-grid {
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.grid.testimonial-grid {
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.grid.team-grid {
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}

.grid.method-grid {
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  align-items: stretch;
}

.card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(30, 58, 138, 0.08);
  transition: var(--transition-base);
  height: 100%;
  display: flex;
  flex-direction: column;
  gap: 1.2rem;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.card-header {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: 16px;
  background: rgba(30, 58, 138, 0.08);
  display: grid;
  place-items: center;
  font-size: 1.5rem;
  color: var(--color-primary);
}

.card-title {
  margin: 0;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--color-dark);
}

.card-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.6rem 1.2rem;
  font-size: 0.9rem;
  color: var(--color-muted);
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.35rem 0.8rem;
  border-radius: 999px;
  background: rgba(30, 58, 138, 0.08);
  color: var(--color-primary);
  font-weight: 600;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.badge.gold {
  background: rgba(245, 158, 11, 0.12);
  color: var(--color-accent);
}

.list-check {
  display: grid;
  gap: 0.55rem;
  padding: 0;
}

.list-check li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.95rem;
  color: var(--color-text);
}

.list-check li::before {
  content: "✓";
  font-weight: 700;
  color: var(--color-accent);
  margin-top: 0.05rem;
}

.timeline {
  position: relative;
  padding-left: 1.5rem;
  display: grid;
  gap: 1.8rem;
}

.timeline::before {
  content: "";
  position: absolute;
  top: 0.3rem;
  bottom: 0.3rem;
  left: 0.25rem;
  width: 2px;
  background: rgba(30, 58, 138, 0.2);
}

.timeline-item {
  position: relative;
  padding-left: 1.8rem;
}

.timeline-item::before {
  content: "";
  position: absolute;
  left: -0.7rem;
  top: 0.35rem;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  border: 3px solid #FFFFFF;
  background: var(--color-primary);
  box-shadow: 0 0 0 4px rgba(30, 58, 138, 0.12);
}

.timeline-item h4 {
  margin: 0 0 0.35rem;
  font-size: 1.2rem;
  color: var(--color-dark);
}

.callout {
  padding: 2rem;
  border-radius: var(--radius-lg);
  background: linear-gradient(120deg, rgba(30, 58, 138, 0.12), rgba(245, 158, 11, 0.12));
  border: 1px solid rgba(30, 58, 138, 0.18);
  box-shadow: var(--shadow-sm);
}

.callout strong {
  color: var(--color-primary);
}

.testimonial-card {
  display: flex;
  flex-direction: column;
  gap: 1.4rem;
}

.testimonial-card p {
  font-size: 1rem;
  color: var(--color-text);
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.testimonial-author img {
  width: 56px;
  height: 56px;
  object-fit: cover;
  border-radius: 50%;
  border: 3px solid rgba(30, 58, 138, 0.15);
}

.testimonial-author div {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}

.testimonial-author span {
  font-size: 0.85rem;
  color: var(--color-muted);
}

.team-card {
  text-align: center;
  gap: 1.1rem;
  padding-bottom: 1.8rem;
}

.team-card img {
  width: 120px;
  height: 120px;
  margin: 0 auto;
  object-fit: cover;
  border-radius: 50%;
  border: 6px solid rgba(30, 58, 138, 0.08);
}

.team-card h4 {
  margin: 0;
  font-size: 1.15rem;
  color: var(--color-dark);
}

.team-card span {
  display: block;
  font-size: 0.9rem;
  color: var(--color-muted);
}

.team-card p {
  font-size: 0.9rem;
  color: var(--color-text);
}

.method-step {
  background: rgba(30, 58, 138, 0.05);
  padding: 1.8rem;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(30, 58, 138, 0.1);
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.method-step strong {
  font-size: 2rem;
  color: var(--color-primary);
}

.method-step h4 {
  margin: 0;
  font-size: 1.2rem;
  color: var(--color-dark);
}

.method-metrics {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  margin-top: 2rem;
}

.metric-card {
  background: #FFFFFF;
  border-radius: var(--radius-md);
  padding: 1.5rem;
  border: 1px solid rgba(30, 58, 138, 0.1);
  box-shadow: var(--shadow-sm);
}

.metric-card h3 {
  margin: 0;
  font-size: 1.6rem;
  color: var(--color-primary);
}

.metric-card span {
  font-size: 0.9rem;
  color: var(--color-muted);
}

.contact-wrapper {
  display: grid;
  gap: 2.5rem;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.contact-info {
  display: grid;
  gap: 1.5rem;
}

.info-block {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.info-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: rgba(30, 58, 138, 0.1);
  display: grid;
  place-items: center;
  font-size: 1.4rem;
  color: var(--color-primary);
}

.info-block h4 {
  margin: 0 0 0.4rem;
  font-size: 1.05rem;
  color: var(--color-dark);
}

.info-block p {
  margin: 0;
  font-size: 0.95rem;
  color: var(--color-muted);
}

.contact-form {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid rgba(30, 58, 138, 0.12);
  box-shadow: var(--shadow-sm);
  display: grid;
  gap: 1.5rem;
}

.form-grid {
  display: grid;
  gap: 1.2rem;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

label {
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--color-dark);
}

input,
select,
textarea {
  border: 1px solid rgba(30, 58, 138, 0.2);
  border-radius: 14px;
  padding: 0.85rem 1rem;
  font-size: 0.95rem;
  transition: border 0.25s ease, box-shadow 0.25s ease;
  font-family: inherit;
  resize: vertical;
}

textarea {
  min-height: 140px;
}

input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 4px rgba(30, 58, 138, 0.12);
}

.form-note {
  font-size: 0.85rem;
  color: var(--color-muted);
}

.map-embed iframe {
  width: 100%;
  border: 0;
  border-radius: var(--radius-lg);
  min-height: 260px;
  box-shadow: var(--shadow-sm);
}

.faq-accordion {
  display: grid;
  gap: 1.2rem;
}

.faq-item {
  border-radius: var(--radius-lg);
  border: 1px solid rgba(30, 58, 138, 0.12);
  background: #FFFFFF;
  padding: 1.2rem 1.6rem;
  box-shadow: var(--shadow-sm);
}

.faq-item summary {
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--color-dark);
  cursor: pointer;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item[open] summary {
  color: var(--color-primary);
}

.faq-item p {
  margin-top: 0.9rem;
  color: var(--color-muted);
}

.site-footer {
  background: #0B1440;
  color: rgba(255, 255, 255, 0.86);
  padding: 4rem 0 2rem;
  position: relative;
  z-index: 1;
}

.footer-grid {
  display: grid;
  gap: 2.5rem;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.footer-brand {
  display: grid;
  gap: 1rem;
}

.footer-brand p {
  color: rgba(255, 255, 255, 0.72);
}

.footer-links {
  display: grid;
  gap: 0.8rem;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.7);
  transition: var(--transition-base);
}

.footer-links a:hover {
  color: var(--color-accent);
}

.footer-bottom {
  margin-top: 3rem;
  border-top: 1px solid rgba(148, 163, 184, 0.2);
  padding-top: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
}

.cookie-banner {
  position: fixed;
  left: 1rem;
  right: 1rem;
  bottom: 120px;
  z-index: 999;
  background: rgba(15, 23, 42, 0.82);
  color: #FFFFFF;
  padding: 1.4rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  max-width: 520px;
  margin-inline: auto;
}

.cookie-actions {
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
}

.cookie-actions button {
  flex: 1 1 160px;
}

.cookie-actions .btn-alt {
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #FFFFFF;
  background: transparent;
}

.cookie-actions .btn-alt:hover {
  background: rgba(255, 255, 255, 0.12);
}

.disclaimer-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  background: #0B1120;
  color: rgba(255, 255, 255, 0.88);
  padding: 1.1rem clamp(1rem, 4vw, 3rem);
  font-size: 0.9rem;
  line-height: 1.55;
  box-shadow: 0 -10px 30px rgba(15, 23, 42, 0.25);
  z-index: 998;
}

.is-hidden {
  display: none !important;
}

@media (max-width: 1024px) {
  .hero-layout {
    grid-template-columns: 1fr;
  }

  .hero-visual {
    margin: 0 auto;
    max-width: 520px;
  }
}

@media (max-width: 900px) {
  .page-hero {
    padding: 4rem 0;
  }
}

@media (max-width: 768px) {
  body {
    padding-bottom: 240px;
  }

  .header-container {
    flex-wrap: wrap;
  }

  .nav-toggle {
    display: flex;
  }

  .nav-menu {
    position: fixed;
    inset: 72px 0 auto 0;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(16px);
    flex-direction: column;
    padding: 1.5rem;
    gap: 1.2rem;
    box-shadow: 0 24px 50px rgba(15, 23, 42, 0.1);
    transform: translateY(-120%);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.35s ease, opacity 0.35s ease;
  }

  .nav-menu.is-open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .cookie-banner {
    bottom: 140px;
  }

  .grid.featured-grid,
  .grid.course-grid,
  .grid.testimonial-grid,
  .grid.team-grid,
  .grid.method-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    transition: none !important;
    animation: none !important;
  }
}