:root {
  --navy: #081a33;
  --navy-2: #10284d;
  --gold: #d4af37;
  --gold-soft: #f0df9a;
  --white: #ffffff;
  --text: #1d2433;
  --muted: #667085;
  --bg: #f5f7fb;
  --card: #ffffff;
  --border: #dbe2ea;
  --shadow: 0 15px 40px rgba(10, 26, 51, 0.12);
  --radius: 18px;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: Arial, Helvetica, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}

img {
  max-width: 100%;
  display: block;
}

a {
  text-decoration: none;
}

.container {
  width: min(1150px, 92%);
  margin: 0 auto;
}

.section {
  padding: 90px 0;
}

.center {
  text-align: center;
}

.section-tag {
  color: var(--gold);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  margin-bottom: 10px;
}

.section h2,
.contact-hero h1 {
  font-size: clamp(2rem, 4vw, 2.9rem);
  line-height: 1.2;
  margin-bottom: 18px;
  color: var(--navy);
}

.section-text {
  color: var(--muted);
  max-width: 700px;
}

.primary-btn,
.secondary-btn,
.nav-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 14px 24px;
  font-weight: 700;
  transition: 0.25s ease;
  cursor: pointer;
}

.primary-btn {
  background: var(--gold);
  color: var(--navy);
  border: none;
}

.primary-btn:hover {
  transform: translateY(-2px);
  filter: brightness(1.02);
}

.secondary-btn {
  border: 1.5px solid rgba(255, 255, 255, 0.6);
  color: var(--white);
  background: transparent;
}

.secondary-btn:hover {
  background: rgba(255, 255, 255, 0.08);
}

.nav-btn {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 10px 18px;
}

.full-width {
  width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(8, 26, 51, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.nav-wrapper {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--white);
  font-size: 1.25rem;
  font-weight: 800;
}

.brand-logo {
  width: 100px;
  height: 100px;
  object-fit: cover;
  border-radius: 50%;
  border: 2px solid rgba(212, 175, 55, 0.45);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 22px;
}

.nav-links a {
  color: rgba(255, 255, 255, 0.88);
  font-weight: 600;
}

.nav-links a:hover {
  color: var(--gold-soft);
}

.menu-toggle {
  display: none;
  font-size: 1.6rem;
  background: transparent;
  border: none;
  color: var(--white);
  cursor: pointer;
}

.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  background:
    linear-gradient(rgba(8, 26, 51, 0.78), rgba(8, 26, 51, 0.84)),
    url("../images/finance-bg.jpg") center/cover no-repeat;
  overflow: hidden;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at top right, rgba(212, 175, 55, 0.18), transparent 30%);
}

.hero-content {
  position: relative;
  display: grid;
  grid-template-columns: 1.35fr 0.8fr;
  gap: 38px;
  align-items: center;
  z-index: 1;
}

.eyebrow {
  color: var(--gold-soft);
  font-weight: 700;
  letter-spacing: 2px;
  font-size: 0.85rem;
  margin-bottom: 14px;
}

.hero h1 {
  color: var(--white);
  font-size: clamp(2.4rem, 5vw, 4.3rem);
  line-height: 1.08;
  margin-bottom: 18px;
}

.hero-description {
  color: rgba(255, 255, 255, 0.88);
  max-width: 670px;
  font-size: 1.08rem;
  margin-bottom: 28px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.hero-metrics {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.hero-metrics div {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.08);
  padding: 18px 20px;
  border-radius: 16px;
  min-width: 130px;
}

.hero-metrics h3 {
  color: var(--gold-soft);
  font-size: 1.6rem;
  margin-bottom: 6px;
}

.hero-metrics p {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.95rem;
}

.hero-card {
  background: rgba(255, 255, 255, 0.96);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}

.hero-card h3 {
  color: var(--navy);
  margin-bottom: 16px;
  font-size: 1.4rem;
}

.hero-card ul {
  padding-left: 18px;
  margin-bottom: 18px;
  color: var(--muted);
}

.hero-card li {
  margin-bottom: 12px;
}

.card-link {
  color: var(--navy);
  font-weight: 700;
}

.about-section {
  background: var(--white);
}

.two-column {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 36px;
  align-items: center;
}

.info-panel {
  display: grid;
  gap: 18px;
}

.info-box {
  background: linear-gradient(180deg, #fffaf0, #ffffff);
  border: 1px solid #f1e4b7;
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: 0 10px 30px rgba(8, 26, 51, 0.05);
}

.info-box h3 {
  color: var(--navy);
  margin-bottom: 8px;
}

.info-box p {
  color: var(--muted);
}

.services-section {
  background: #eef3f9;
}

.services-grid {
  margin-top: 34px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--card);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform 0.25s ease;
}

.service-card:hover {
  transform: translateY(-8px);
}

.service-card img {
  height: 220px;
  width: 100%;
  object-fit: cover;
}

.service-card h3 {
  padding: 22px 22px 8px;
  color: var(--navy);
  font-size: 1.25rem;
}

.service-card p {
  padding: 0 22px 24px;
  color: var(--muted);
}

.stats-section {
  background: var(--navy);
  padding: 70px 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.stat-card {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.08);
  padding: 28px;
  border-radius: var(--radius);
}

.stat-card h3 {
  color: var(--gold-soft);
  margin-bottom: 10px;
}

.stat-card p {
  color: rgba(255, 255, 255, 0.82);
}

.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 0.85fr;
  gap: 40px;
  align-items: start;
}

.calculator-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}

.calculator-card label {
  display: block;
  margin-bottom: 8px;
  font-weight: 700;
  color: var(--navy);
}

.calculator-card input,
.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  padding: 14px 16px;
  border-radius: 12px;
  border: 1px solid var(--border);
  margin-bottom: 18px;
  font-size: 1rem;
  outline: none;
  background: #fff;
}

.calculator-card input:focus,
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: #c2a23a;
  box-shadow: 0 0 0 4px rgba(212, 175, 55, 0.12);
}

.result-box {
  margin-top: 18px;
  background: #f7f9fc;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px;
  color: var(--navy);
  font-weight: 700;
  min-height: 60px;
}

.testimonial-section {
  background: var(--white);
}

.testimonial-grid {
  margin-top: 34px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: #fbfcfe;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: 0 8px 24px rgba(8, 26, 51, 0.06);
}

.testimonial-card p {
  color: var(--muted);
  margin-bottom: 16px;
}

.testimonial-card h4 {
  color: var(--navy);
}

.contact-strip {
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--white);
  padding: 60px 0;
}

.contact-strip h2 {
  color: var(--white);
  margin-bottom: 10px;
}

.contact-strip-inner {
  display: flex;
  justify-content: space-between;
  gap: 22px;
  align-items: center;
}

.chat-widget {
  position: fixed;
  right: 22px;
  bottom: 22px;
  width: 340px;
  background: var(--white);
  border-radius: 20px;
  box-shadow: 0 18px 50px rgba(8, 26, 51, 0.2);
  overflow: hidden;
  z-index: 1200;
}

.chat-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--white);
  padding: 16px 18px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}

.chat-header h3 {
  font-size: 1rem;
  margin-bottom: 2px;
}

.chat-header p {
  font-size: 0.85rem;
  opacity: 0.88;
}

.chat-toggle-btn {
  border: none;
  background: rgba(255, 255, 255, 0.14);
  color: var(--white);
  width: 34px;
  height: 34px;
  border-radius: 50%;
  font-size: 1.2rem;
  cursor: pointer;
  font-weight: 700;
}

.chat-toggle-btn:hover {
  background: rgba(255, 255, 255, 0.22);
}

.chat-body {
  display: block;
}

.chat-widget.minimized .chat-body {
  display: none;
}

.chat-widget.minimized {
  width: 340px;
}

.chatbox {
  height: 280px;
  padding: 14px;
  overflow-y: auto;
  background: #f7f9fc;
}

.bot-message,
.user-message {
  max-width: 85%;
  padding: 10px 12px;
  border-radius: 14px;
  margin-bottom: 10px;
  font-size: 0.95rem;
}

.bot-message {
  background: #e7edf6;
  color: var(--navy);
}

.user-message {
  background: var(--gold);
  color: var(--navy);
  margin-left: auto;
}

.thinking {
  opacity: 0.7;
  font-style: italic;
}

.chat-input-area {
  display: flex;
  border-top: 1px solid var(--border);
  background: var(--white);
}

.chat-input-area input {
  flex: 1;
  border: none;
  padding: 16px 14px;
  outline: none;
  font-size: 0.95rem;
}

.chat-input-area button {
  border: none;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  padding: 0 18px;
  cursor: pointer;
}

.contact-page {
  min-height: 100vh;
}

.contact-hero {
  background:
    linear-gradient(rgba(8, 26, 51, 0.78), rgba(8, 26, 51, 0.86)),
    url("../images/finance-bg.jpg") center/cover no-repeat;
  color: var(--white);
  padding: 100px 0 80px;
}

.contact-hero h1 {
  color: var(--white);
}

.contact-hero p {
  max-width: 700px;
  color: rgba(255, 255, 255, 0.88);
}

.contact-layout {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 30px;
}

.contact-info-card,
.contact-form {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 30px;
}

.contact-info-card h2,
.contact-form h2 {
  color: var(--navy);
  margin-bottom: 14px;
}

.contact-info-card p {
  color: var(--muted);
}

.contact-points {
  margin-top: 24px;
  display: grid;
  gap: 16px;
}

.contact-points h4 {
  color: var(--navy);
  margin-bottom: 4px;
}

.contact-form label {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-weight: 700;
}

.form-message {
  margin-top: 14px;
  font-weight: 700;
  color: #0e7a35;
}

@media (max-width: 1024px) {
  .hero-content,
  .two-column,
  .calculator-wrapper,
  .contact-layout,
  .services-grid,
  .testimonial-grid,
  .stats-grid {
    grid-template-columns: 1fr 1fr;
  }

  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .testimonial-grid,
  .stats-grid {
    grid-template-columns: 1fr;
  }

  .chat-widget {
    width: 320px;
  }
}

@media (max-width: 820px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 78px;
    right: 4%;
    background: var(--navy);
    border-radius: 16px;
    padding: 16px;
    flex-direction: column;
    width: 220px;
    box-shadow: var(--shadow);
  }

  .nav-links.show {
    display: flex;
  }

  .menu-toggle {
    display: block;
  }

  .hero-content,
  .two-column,
  .calculator-wrapper,
  .contact-layout,
  .services-grid {
    grid-template-columns: 1fr;
  }

  .contact-strip-inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .hero {
    min-height: auto;
    padding: 90px 0;
  }

  .chat-widget {
    width: calc(100% - 24px);
    right: 12px;
    bottom: 12px;
  }
}

@media (max-width: 520px) {
  .section {
    padding: 70px 0;
  }

  .hero-metrics {
    flex-direction: column;
  }

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

  .primary-btn,
  .secondary-btn {
    width: 100%;
  }
  .typing-message {
  opacity: 0.7;
  font-style: italic;
}
.thinking {
opacity:0.7;
font-style:italic;
}
.user-message{
background:#2f66ff;
color:white;
padding:8px 12px;
margin:5px;
border-radius:8px;
text-align:right;
}

.bot-message{
background:#f1f1f1;
padding:8px 12px;
margin:5px;
border-radius:8px;
}

.thinking{
opacity:0.7;
font-style:italic;
}

}