/* ==========================================================================
   Finance Asset Savings — custom theme
   Built on top of Bootstrap 5 (grid + components)
   ========================================================================== */

:root {
  --fas-navy: #0a2540;
  --fas-navy-soft: #12395d;
  --fas-navy-deep: #061a2e;
  --fas-teal: #12a594;
  --fas-teal-dark: #0b7d71;
  --fas-teal-soft: #e6f6f4;
  --fas-gold: #e9b949;
  --fas-ink: #0f172a;
  --fas-body: #4a5a6a;
  --fas-muted: #6b7c8d;
  --fas-line: #e3eaf0;
  --fas-bg: #f5f9fb;
  --fas-white: #ffffff;
  --fas-radius: 16px;
  --fas-shadow-sm: 0 4px 18px rgba(10, 37, 64, .06);
  --fas-shadow-md: 0 14px 40px rgba(10, 37, 64, .10);
  --fas-shadow-lg: 0 26px 70px rgba(10, 37, 64, .16);
  --fas-font: "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", system-ui, -apple-system, sans-serif;
}

html { scroll-behavior: smooth; scroll-padding-top: 92px; }

body {
  font-family: var(--fas-font);
  color: var(--fas-body);
  background: var(--fas-white);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6, .display-5, .display-6 {
  color: var(--fas-navy);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -.01em;
}

a { color: var(--fas-teal-dark); text-decoration: none; }
a:hover { color: var(--fas-teal); }

p { margin-bottom: 1rem; }

.text-ink { color: var(--fas-ink) !important; }
.text-teal { color: var(--fas-teal) !important; }
.text-gold { color: var(--fas-gold) !important; }
.text-navy { color: var(--fas-navy) !important; }
.bg-soft { background: var(--fas-bg); }
.bg-navy { background: var(--fas-navy); }
.bg-navy-deep { background: var(--fas-navy-deep); }
.bg-teal-soft { background: var(--fas-teal-soft); }

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
  font-weight: 600;
  border-radius: 999px;
  padding: .75rem 1.6rem;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
}
.btn:active { transform: translateY(1px); }

.btn-brand {
  background: var(--fas-teal);
  border: 1px solid var(--fas-teal);
  color: #fff;
  box-shadow: 0 10px 24px rgba(18, 165, 148, .28);
}
.btn-brand:hover, .btn-brand:focus {
  background: var(--fas-teal-dark);
  border-color: var(--fas-teal-dark);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 16px 34px rgba(18, 165, 148, .34);
}

.btn-gold {
  background: var(--fas-gold);
  border: 1px solid var(--fas-gold);
  color: var(--fas-navy);
}
.btn-gold:hover, .btn-gold:focus { background: #d9a72f; border-color: #d9a72f; color: var(--fas-navy); transform: translateY(-2px); }

.btn-outline-brand { border: 1.6px solid var(--fas-teal); color: var(--fas-teal-dark); background: transparent; }
.btn-outline-brand:hover, .btn-outline-brand:focus { background: var(--fas-teal); color: #fff; transform: translateY(-2px); }

.btn-outline-light-custom { border: 1.6px solid rgba(255,255,255,.55); color: #fff; }
.btn-outline-light-custom:hover, .btn-outline-light-custom:focus { background: #fff; color: var(--fas-navy); }

.btn-link-more { font-weight: 600; display: inline-flex; align-items: center; gap: .4rem; }
.btn-link-more i { transition: transform .2s ease; }
.btn-link-more:hover i { transform: translateX(4px); }

/* --------------------------------------------------------------------------
   Top bar + navbar
   -------------------------------------------------------------------------- */
.topbar {
  background: var(--fas-navy-deep);
  color: rgba(255,255,255,.75);
  font-size: .85rem;
  padding: .45rem 0;
}
.topbar a { color: rgba(255,255,255,.78); }
.topbar a:hover { color: #fff; }
.topbar .topbar-divider { opacity: .35; margin: 0 .55rem; }

.navbar-fas {
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(10px);
  box-shadow: 0 1px 0 rgba(10,37,64,.07);
  padding-top: .6rem;
  padding-bottom: .6rem;
  transition: box-shadow .25s ease, padding .25s ease;
}
.navbar-fas.is-stuck { box-shadow: var(--fas-shadow-sm); padding-top: .35rem; padding-bottom: .35rem; }
.navbar-fas .navbar-brand { display: flex; align-items: center; gap: .65rem; padding: 0; }
.brand-mark {
  width: 46px; height: 46px; flex: 0 0 46px;
  display: grid; place-items: center;
  background: linear-gradient(145deg, var(--fas-navy) 0%, var(--fas-teal) 130%);
  border-radius: 13px;
  box-shadow: 0 6px 16px rgba(18,165,148,.32);
}
.brand-mark svg { width: 26px; height: 26px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-text .brand-name { font-weight: 800; color: var(--fas-navy); font-size: 1.16rem; letter-spacing: -.02em; }
.brand-text .brand-tag { font-size: .68rem; letter-spacing: .16em; text-transform: uppercase; color: var(--fas-teal); font-weight: 700; }

.navbar-fas .nav-link {
  color: var(--fas-navy);
  font-weight: 600;
  font-size: .97rem;
  padding: .5rem .9rem !important;
  border-radius: 999px;
  position: relative;
}
.navbar-fas .nav-link:hover { color: var(--fas-teal-dark); background: var(--fas-teal-soft); }
.navbar-fas .nav-link.active { color: var(--fas-teal-dark); background: var(--fas-teal-soft); }
.navbar-fas .navbar-toggler { border: 0; padding: .25rem .5rem; }
.navbar-fas .navbar-toggler:focus { box-shadow: none; }
.navbar-fas .navbar-toggler-icon { background-image: none; position: relative; width: 26px; height: 20px; }
.navbar-fas .navbar-toggler-icon::before,
.navbar-fas .navbar-toggler-icon::after,
.navbar-fas .navbar-toggler-icon span {
  content: ""; position: absolute; left: 0; height: 2.4px; width: 100%; background: var(--fas-navy); border-radius: 3px;
}
.navbar-fas .navbar-toggler-icon::before { top: 2px; }
.navbar-fas .navbar-toggler-icon span { top: 9px; }
.navbar-fas .navbar-toggler-icon::after { bottom: 1px; }

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background: radial-gradient(1200px 620px at 88% -10%, rgba(18,165,148,.42) 0%, rgba(10,37,64,0) 62%),
              linear-gradient(160deg, var(--fas-navy) 0%, var(--fas-navy-soft) 58%, #0d2f4f 100%);
  color: #fff;
  overflow: hidden;
  padding: 5.5rem 0 6rem;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.045) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,.045) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(closest-side at 70% 30%, #000, transparent);
  -webkit-mask-image: radial-gradient(closest-side at 70% 30%, #000, transparent);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 2; }
.hero h1 { color: #fff; font-size: clamp(2.1rem, 4.6vw, 3.5rem); font-weight: 800; }
.hero .hero-lead { color: rgba(255,255,255,.82); font-size: 1.1rem; max-width: 40rem; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.22);
  color: #fff; border-radius: 999px;
  padding: .35rem 1rem; font-size: .84rem; font-weight: 600; letter-spacing: .02em;
  margin-bottom: 1.25rem;
}
.hero-eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--fas-gold); box-shadow: 0 0 0 4px rgba(233,185,73,.25); }
.hero-badges { display: flex; flex-wrap: wrap; gap: .6rem; margin-top: 2rem; }
.hero-badges .badge-pill {
  background: rgba(255,255,255,.10); border: 1px solid rgba(255,255,255,.18);
  color: #fff; border-radius: 999px; padding: .42rem 1rem; font-size: .86rem; font-weight: 600;
}
.hero-badges .badge-pill i { color: var(--fas-gold); margin-right: .4rem; }

.hero-card {
  background: rgba(255,255,255,.97);
  border-radius: 22px;
  box-shadow: var(--fas-shadow-lg);
  color: var(--fas-body);
}
.hero-card .hc-head {
  background: linear-gradient(135deg, var(--fas-navy) 0%, var(--fas-teal) 120%);
  color: #fff; border-radius: 22px 22px 0 0; padding: 1.4rem 1.6rem;
}
.hero-card .hc-head h5 { color: #fff; margin: 0; font-size: 1.05rem; }
.hero-card .hc-head p { color: rgba(255,255,255,.8); margin: .2rem 0 0; font-size: .88rem; }
.hero-card .hc-body { padding: 1.5rem 1.6rem 1.6rem; }
.hc-row { display: flex; align-items: flex-start; gap: .85rem; padding: .7rem 0; border-bottom: 1px dashed var(--fas-line); }
.hc-row:last-of-type { border-bottom: 0; }
.hc-row .hc-ico { width: 38px; height: 38px; flex: 0 0 38px; border-radius: 11px; background: var(--fas-teal-soft); color: var(--fas-teal-dark); display: grid; place-items: center; font-size: 1.05rem; }
.hc-row h6 { margin: 0; font-size: .96rem; color: var(--fas-navy); }
.hc-row p { margin: 0; font-size: .85rem; color: var(--fas-muted); }

/* --------------------------------------------------------------------------
   Sections & headings
   -------------------------------------------------------------------------- */
.section { padding: 5.25rem 0; position: relative; }
.section-sm { padding: 3.25rem 0; }
.section-navy { background: var(--fas-navy); color: rgba(255,255,255,.78); }
.section-navy h2, .section-navy h3, .section-navy h4 { color: #fff; }
.section-navy p { color: rgba(255,255,255,.74); }

.eyebrow {
  display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: .18em;
  text-transform: uppercase; color: var(--fas-teal); margin-bottom: .6rem;
}
.eyebrow-light { color: var(--fas-gold); }
.section-title { font-size: clamp(1.7rem, 2.6vw, 2.4rem); margin-bottom: .75rem; }
.section-sub { color: var(--fas-muted); max-width: 46rem; margin: 0 auto 2.75rem; }
.section-navy .section-sub { color: rgba(255,255,255,.72); }
.title-underline { width: 62px; height: 4px; border-radius: 4px; background: var(--fas-teal); margin: 0 auto 1.1rem; }
.title-underline.start { margin-left: 0; }

/* --------------------------------------------------------------------------
   Service cards
   -------------------------------------------------------------------------- */
.service-card {
  background: #fff;
  border: 1px solid var(--fas-line);
  border-radius: var(--fas-radius);
  padding: 2rem 1.75rem;
  height: 100%;
  position: relative;
  overflow: hidden;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.service-card::before {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 4px;
  background: linear-gradient(90deg, var(--fas-teal), var(--fas-navy));
  transform: scaleX(0); transform-origin: left; transition: transform .3s ease;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--fas-shadow-md); border-color: transparent; }
.service-card:hover::before { transform: scaleX(1); }
.service-card .svc-ico {
  width: 62px; height: 62px; border-radius: 18px; display: grid; place-items: center;
  font-size: 1.65rem; margin-bottom: 1.15rem;
  background: var(--fas-teal-soft); color: var(--fas-teal-dark);
  transition: background .25s ease, color .25s ease;
}
.service-card:hover .svc-ico { background: var(--fas-teal); color: #fff; }
.service-card h3 { font-size: 1.18rem; margin-bottom: .6rem; }
.service-card p { color: var(--fas-muted); font-size: .95rem; }
.service-card .svc-list { list-style: none; padding: 0; margin: 1rem 0 1.35rem; }
.service-card .svc-list li { font-size: .9rem; padding-left: 1.6rem; position: relative; margin-bottom: .35rem; color: var(--fas-body); }
.service-card .svc-list li::before {
  content: "\F26E"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: .1rem;
  color: var(--fas-teal); font-size: .95rem;
}

/* Service detail blocks */
.service-block { padding: 4rem 0; border-bottom: 1px solid var(--fas-line); }
.service-block:last-of-type { border-bottom: 0; }
.service-block .sb-ico {
  width: 82px; height: 82px; border-radius: 24px; display: grid; place-items: center;
  font-size: 2.1rem; background: var(--fas-teal-soft); color: var(--fas-teal-dark); margin-bottom: 1.4rem;
}
.feature-list { list-style: none; padding: 0; margin: 0; }
.feature-list li { position: relative; padding-left: 2rem; margin-bottom: .65rem; color: var(--fas-body); }
.feature-list li::before {
  content: "\F633"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: .05rem;
  color: var(--fas-teal); font-size: 1.05rem;
}
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding-left: 2rem; margin-bottom: .5rem; font-size: .95rem; }
.check-list li::before {
  content: "\F26E"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: .05rem;
  color: var(--fas-teal); font-size: 1rem;
}

/* --------------------------------------------------------------------------
   Feature / why-us tiles
   -------------------------------------------------------------------------- */
.tile {
  background: #fff; border: 1px solid var(--fas-line); border-radius: var(--fas-radius);
  padding: 1.7rem 1.5rem; height: 100%; text-align: center;
  transition: transform .25s ease, box-shadow .25s ease;
}
.tile:hover { transform: translateY(-6px); box-shadow: var(--fas-shadow-md); }
.tile .tile-ico {
  width: 58px; height: 58px; border-radius: 50%; display: grid; place-items: center; margin: 0 auto 1rem;
  background: var(--fas-teal-soft); color: var(--fas-teal-dark); font-size: 1.5rem;
}
.tile h5 { font-size: 1.05rem; margin-bottom: .5rem; }
.tile p { font-size: .92rem; color: var(--fas-muted); margin: 0; }

.tile-glass {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--fas-radius);
  padding: 1.6rem 1.4rem; height: 100%;
}
.tile-glass .tile-ico { background: rgba(233,185,73,.16); color: var(--fas-gold); }
.tile-glass h5 { color: #fff; }
.tile-glass p { color: rgba(255,255,255,.72); font-size: .92rem; margin: 0; }

/* --------------------------------------------------------------------------
   Process
   -------------------------------------------------------------------------- */
.process-step { position: relative; text-align: center; padding: 0 .75rem; }
.process-step .ps-num {
  width: 58px; height: 58px; margin: 0 auto 1rem; border-radius: 50%;
  display: grid; place-items: center; font-weight: 800; font-size: 1.15rem;
  background: #fff; color: var(--fas-teal-dark); border: 2px solid var(--fas-teal);
  box-shadow: 0 8px 22px rgba(18,165,148,.18); position: relative; z-index: 2;
}
.process-step h5 { font-size: 1.02rem; }
.process-step p { font-size: .92rem; color: var(--fas-muted); margin: 0; }
.process-line {
  position: absolute; top: 29px; left: 12%; right: 12%; height: 2px;
  background: repeating-linear-gradient(90deg, var(--fas-teal) 0 8px, transparent 8px 16px);
  opacity: .5; z-index: 1;
}

/* --------------------------------------------------------------------------
   Blog cards & article
   -------------------------------------------------------------------------- */
.post-card {
  background: #fff; border: 1px solid var(--fas-line); border-radius: var(--fas-radius);
  overflow: hidden; height: 100%; display: flex; flex-direction: column;
  transition: transform .25s ease, box-shadow .25s ease;
}
.post-card:hover { transform: translateY(-8px); box-shadow: var(--fas-shadow-md); }
.post-thumb {
  height: 190px; display: grid; place-items: center; position: relative; overflow: hidden;
}
.post-thumb svg { width: 58%; height: auto; }
.post-body { padding: 1.6rem 1.6rem 1.75rem; display: flex; flex-direction: column; flex: 1; }
.chip {
  display: inline-block; font-size: .74rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
  background: var(--fas-teal-soft); color: var(--fas-teal-dark); border-radius: 999px; padding: .3rem .8rem; margin-bottom: .9rem;
}
.post-card h3 { font-size: 1.16rem; margin-bottom: .6rem; }
.post-card p { color: var(--fas-muted); font-size: .94rem; }

.article { font-size: 1.03rem; }
.article h2 { font-size: 1.55rem; margin: 2.25rem 0 .85rem; }
.article h3 { font-size: 1.2rem; margin: 1.75rem 0 .6rem; }
.article ul, .article ol { padding-left: 1.2rem; }
.article li { margin-bottom: .45rem; }
.article blockquote {
  border-left: 4px solid var(--fas-teal); background: var(--fas-teal-soft);
  padding: 1.1rem 1.4rem; border-radius: 0 12px 12px 0; margin: 1.75rem 0;
  color: var(--fas-navy); font-weight: 600;
}
.article .key-box {
  background: #fff; border: 1px solid var(--fas-line); border-radius: var(--fas-radius); padding: 1.5rem 1.6rem;
}
.toc-box { background: #fff; border: 1px solid var(--fas-line); border-radius: var(--fas-radius); padding: 1.5rem; position: sticky; top: 100px; }
.toc-box h6 { text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; color: var(--fas-muted); }
.toc-box a { display: block; padding: .4rem 0; color: var(--fas-body); font-size: .93rem; font-weight: 600; border-bottom: 1px dashed var(--fas-line); }
.toc-box a:last-child { border-bottom: 0; }
.toc-box a:hover { color: var(--fas-teal-dark); }

/* --------------------------------------------------------------------------
   Page header (inner pages)
   -------------------------------------------------------------------------- */
.page-head {
  background: linear-gradient(150deg, var(--fas-navy) 0%, var(--fas-navy-soft) 65%, #10406a 100%);
  color: #fff; padding: 3.75rem 0 3.5rem; position: relative; overflow: hidden;
}
.page-head::before {
  content: ""; position: absolute; right: -80px; top: -80px; width: 320px; height: 320px; border-radius: 50%;
  background: radial-gradient(circle, rgba(18,165,148,.5), transparent 65%);
}
.page-head h1 { color: #fff; font-size: clamp(1.9rem, 3.4vw, 2.7rem); margin-bottom: .6rem; }
.page-head p { color: rgba(255,255,255,.78); margin: 0; max-width: 44rem; }
.breadcrumb-fas { display: flex; flex-wrap: wrap; gap: .45rem; list-style: none; padding: 0; margin: 0 0 1rem; font-size: .86rem; }
.breadcrumb-fas li { color: rgba(255,255,255,.6); }
.breadcrumb-fas li + li::before { content: "/"; margin-right: .45rem; color: rgba(255,255,255,.35); }
.breadcrumb-fas a { color: var(--fas-gold); }
.breadcrumb-fas a:hover { color: #fff; }

/* --------------------------------------------------------------------------
   Forms
   -------------------------------------------------------------------------- */
.form-fas .form-label { font-weight: 600; color: var(--fas-navy); font-size: .92rem; }
.form-fas .form-control, .form-fas .form-select {
  border: 1.5px solid var(--fas-line); border-radius: 12px; padding: .7rem .95rem;
  font-size: .96rem; color: var(--fas-ink); background: #fff; transition: border-color .2s ease, box-shadow .2s ease;
}
.form-fas .form-control:focus, .form-fas .form-select:focus {
  border-color: var(--fas-teal); box-shadow: 0 0 0 4px rgba(18,165,148,.14);
}
.form-fas textarea { min-height: 140px; }
.form-fas .form-check-input:checked { background-color: var(--fas-teal); border-color: var(--fas-teal); }
.form-fas .form-check-input:focus { box-shadow: 0 0 0 4px rgba(18,165,148,.14); }
.form-fas .invalid-feedback { font-size: .84rem; }
.form-note { font-size: .86rem; color: var(--fas-muted); }

.contact-card {
  background: #fff; border: 1px solid var(--fas-line); border-radius: var(--fas-radius);
  padding: 3rem 2.5rem; box-shadow: var(--fas-shadow-sm); height: 100%;
}
.info-card {
  background: #fff; border: 1px solid var(--fas-line); border-radius: var(--fas-radius);
  padding: 1.5rem; height: 100%; display: flex; gap: 1rem; align-items: flex-start;
  transition: transform .2s ease, box-shadow .2s ease;
}
.info-card:hover { transform: translateY(-4px); box-shadow: var(--fas-shadow-sm); }
.info-card .info-ico {
  width: 50px; height: 50px; flex: 0 0 50px; border-radius: 14px; display: grid; place-items: center;
  background: var(--fas-teal-soft); color: var(--fas-teal-dark); font-size: 1.25rem;
}
.info-card h6 { font-size: .95rem; margin-bottom: .25rem; }
.info-card p, .info-card address { font-size: .92rem; color: var(--fas-muted); margin: 0; }
.info-card a { color: var(--fas-body); }
.info-card a:hover { color: var(--fas-teal-dark); }

.map-frame {
  border-radius: var(--fas-radius); overflow: hidden; border: 1px solid var(--fas-line);
  background: #eaf2f6; min-height: 260px;
}

/* --------------------------------------------------------------------------
   Testimonials
   -------------------------------------------------------------------------- */
.testi-card {
  background: #fff; border: 1px solid var(--fas-line); border-radius: var(--fas-radius);
  padding: 2rem; height: 100%; position: relative;
}
.testi-card .quote-mark { font-size: 2.6rem; color: var(--fas-teal-soft); line-height: 1; }
.testi-card p { font-size: .98rem; color: var(--fas-body); }
.testi-card .stars { color: var(--fas-gold); font-size: .9rem; margin-bottom: .75rem; }
.testi-person { display: flex; align-items: center; gap: .85rem; }
.avatar {
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(140deg, var(--fas-navy), var(--fas-teal)); color: #fff; font-weight: 700; font-size: .95rem;
}
.testi-person h6 { margin: 0; font-size: .95rem; }
.testi-person span { font-size: .83rem; color: var(--fas-muted); }

/* --------------------------------------------------------------------------
   CTA band
   -------------------------------------------------------------------------- */
.cta-band {
  background: linear-gradient(120deg, var(--fas-navy) 0%, #0f3f66 55%, var(--fas-teal-dark) 130%);
  color: #fff; border-radius: 26px; padding: 3.25rem 3rem; position: relative; overflow: hidden;
}
.cta-band::after {
  content: ""; position: absolute; right: -60px; bottom: -90px; width: 260px; height: 260px; border-radius: 50%;
  background: rgba(255,255,255,.06);
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.8); margin: 0; }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.footer-fas { background: var(--fas-navy-deep); color: rgba(255,255,255,.7); padding: 4rem 0 0; }
.footer-fas h5, .footer-fas h6 { color: #fff; font-size: 1rem; margin-bottom: 1.1rem; letter-spacing: .02em; }
.footer-fas p { font-size: .93rem; }
.footer-fas .footer-links { list-style: none; padding: 0; margin: 0; }
.footer-fas .footer-links li { margin-bottom: .55rem; }
.footer-fas .footer-links a { color: rgba(255,255,255,.68); font-size: .93rem; transition: color .2s ease, padding-left .2s ease; }
.footer-fas .footer-links a:hover { color: #fff; padding-left: 5px; }
.footer-fas .footer-links a i { font-size: .7rem; margin-right: .35rem; color: var(--fas-teal); }
.footer-fas .footer-brand { display: flex; align-items: center; gap: .7rem; margin-bottom: 1.1rem; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1); margin-top: 3rem; padding: 1.35rem 0;
  font-size: .87rem; color: rgba(255,255,255,.6);
}
.footer-bottom a { color: rgba(255,255,255,.7); }
.footer-bottom a:hover { color: #fff; }
.social-links a {
  width: 38px; height: 38px; border-radius: 50%; display: inline-grid; place-items: center;
  background: rgba(255,255,255,.08); color: #fff; margin-right: .5rem; transition: background .2s ease, transform .2s ease;
}
.social-links a:hover { background: var(--fas-teal); transform: translateY(-3px); color: #fff; }

/* --------------------------------------------------------------------------
   Legal / policy pages
   -------------------------------------------------------------------------- */
.legal-body h2 { font-size: 1.28rem; margin: 2.25rem 0 .7rem; scroll-margin-top: 100px; }
.legal-body h3 { font-size: 1.05rem; margin: 1.5rem 0 .5rem; }
.legal-body ul { padding-left: 1.15rem; }
.legal-body li { margin-bottom: .4rem; }
.legal-body p { color: var(--fas-body); }
.legal-meta {
  background: var(--fas-bg); border: 1px solid var(--fas-line); border-radius: var(--fas-radius); padding: 1.25rem 1.5rem;
  font-size: .92rem; color: var(--fas-muted);
}
.legal-nav { position: sticky; top: 100px; }

/* --------------------------------------------------------------------------
   Helpers / animation
   -------------------------------------------------------------------------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

.icon-bullet { color: var(--fas-teal); margin-right: .5rem; }

.back-to-top {
  position: fixed; right: 22px; bottom: 22px; width: 46px; height: 46px; border-radius: 50%;
  background: var(--fas-teal); color: #fff; display: grid; place-items: center; z-index: 1030;
  box-shadow: 0 10px 26px rgba(18,165,148,.4); opacity: 0; visibility: hidden; transition: opacity .25s ease, visibility .25s ease, transform .25s ease;
}
.back-to-top.show { opacity: 1; visibility: visible; }
.back-to-top:hover { transform: translateY(-3px); color: #fff; }

.divider-soft { height: 1px; background: var(--fas-line); border: 0; opacity: 1; }

.accordion-fas .accordion-item { border: 1px solid var(--fas-line); border-radius: 12px !important; margin-bottom: .85rem; overflow: hidden; }
.accordion-fas .accordion-button { font-weight: 600; color: var(--fas-navy); padding: 1.05rem 1.25rem; box-shadow: none; background: #fff; }
.accordion-fas .accordion-button:not(.collapsed) { background: var(--fas-teal-soft); color: var(--fas-teal-dark); }
.accordion-fas .accordion-button:focus { box-shadow: none; }
.accordion-fas .accordion-button::after { filter: hue-rotate(130deg) saturate(1.4); }

@media (max-width: 991.98px) {
  .hero { padding: 3.5rem 0 4rem; }
  .section { padding: 3.75rem 0; }
  .cta-band { padding: 2.5rem 1.75rem; }
  .process-line { display: none; }
  .contact-card { padding: 2rem 1.5rem; }
  .toc-box, .legal-nav { position: static; }
}
@media (max-width: 575.98px) {
  .brand-text .brand-name { font-size: 1.02rem; }
  .topbar { text-align: center; }
  .hero-badges .badge-pill { font-size: .8rem; }
}