/*
Theme Name: BVS Finance
Theme URI: https://bvsfinance.co.uk
Author: BVS Finance
Author URI: https://bvsfinance.co.uk
Description: Custom WordPress theme for BVS Finance — property & business lending brokerage. Converted from static HTML (Home, Services, Privacy Notice).
Version: 1.0.0
Requires at least: 6.0
Requires PHP: 7.4
Text Domain: bvs-finance
*/

/* ==========================================================================
   This file is intentionally left with only the WP theme header above.
   All visual styles live in assets/css/main.css and are enqueued via
   functions.php, so we don't fight WordPress's default style.css loading
   behaviour. Keeping this file is required for WP to recognise the theme.
   ========================================================================== */

  :root{
    --navy:#002f6c;
    --navy-deep:#001d44;
    --navy-tint:#e6ecf4;
    --silver:#8f97a3;
    --grey-dark:#5e5e5e;
    --grey-light:#bdbdbd;
    --white:#ffffff;

    --font-display: 'Fraunces', Georgia, serif;
    --font-body: 'Inter', -apple-system, sans-serif;
    --font-mono: 'IBM Plex Mono', monospace;
  }

  *{margin:0;padding:0;box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    font-family:var(--font-body);
    color:var(--grey-dark);
    background:var(--white);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  a{color:inherit; text-decoration:none;}
  img{max-width:100%; display:block;}
  .wrap{max-width:1180px; margin:0 auto; padding:0 40px;}

  h1,h2,h3{
    font-family:var(--font-display);
    color:var(--navy);
    font-weight:600;
    letter-spacing:-0.01em;
  }
.hero .eyebrow{color: #fff;}
  .eyebrow{
    font-family:var(--font-mono);
    font-size:12px;
    letter-spacing:0.14em;
    text-transform:uppercase;
   color:var(--accent-dark);
    display:flex;
    align-items:center;
    gap:10px;
  }
  .hero .eyebrow::before{background:#fff;}
  .eyebrow::before{content:""; width:22px; height:1px; background:#002f6c; display:inline-block;}
  .eyebrow.on-dark{color:var(--grey-light);}
  .eyebrow.on-dark::before{background:var(--grey-light);}
  .eyebrow.center{justify-content:center;}

  /* ============ HEADER ============ */
  header{
    position:sticky; top:0; z-index:100;
    background:rgba(255,255,255,0.94);
    backdrop-filter:blur(8px);
    border-bottom:1px solid var(--grey-light);
  }
  .nav{
    display:flex; align-items:center; justify-content:space-between;
    padding:16px 40px; max-width:1180px; margin:0 auto;
  }
  .logo{display:flex; align-items:center; gap:12px;}
  .logo img{width:60px; height:60px; flex-shrink:0; object-fit:contain;}
  .logo-text{
    font-family:var(--font-display); font-weight:700; font-size:19px;
    color:var(--navy); letter-spacing:0.01em; line-height:1.1; display:block;
  }
  .logo-sub{
    font-family:var(--font-mono); font-size:9.5px; letter-spacing:0.24em;
    color:var(--grey-dark); text-transform:uppercase; margin-top:3px; display:block;
  }
  nav.links{display:flex; gap:32px; font-size:14.5px; font-weight:500; color:var(--navy);}
  nav.links a{position:relative; padding:4px 0;}
  nav.links a::after{
    content:""; position:absolute; left:0; bottom:0; width:0; height:1.5px;
    background:var(--navy); transition:width .25s ease;
  }
  nav.links a:hover::after{width:100%;}

  .has-dropdown{position:relative;}
  .has-dropdown > a{display:inline-flex; align-items:center; gap:5px;}
  .has-dropdown .chev{width:11px; height:11px; transition:transform .2s ease;}
  .has-dropdown:hover .chev{transform:rotate(180deg);}
  .dropdown{
    position:absolute; top:calc(100% + 5px); left:50%; transform:translateX(-50%) translateY(6px);
    background:var(--white); border:1px solid var(--grey-light); box-shadow:0 14px 34px rgba(0,47,108,0.12);
    min-width:230px; padding:8px; display:flex; flex-direction:column; gap:2px;
    opacity:0; visibility:hidden; transition:opacity .18s ease, transform .18s ease; z-index:50;
  }
  .dropdown::before{content:""; position:absolute; top:-6px; left:0; right:0; height:14px;}
  .dropdown a{padding:10px 14px; font-size:13.5px; font-weight:500; color:var(--navy); white-space:nowrap; border-radius:2px;}
  .dropdown a::after{display:none;}
  .dropdown a:hover{background:var(--navy-tint);}
  .has-dropdown:hover .dropdown{opacity:1; visibility:visible; transform:translateX(-50%) translateY(0);}

  .btn{
    display:inline-flex; align-items:center; gap:8px;
    font-family:var(--font-body); font-weight:600; font-size:14px;
    padding:12px 22px; border-radius:2px; cursor:pointer;
    border:1px solid var(--navy); transition:all .2s ease;
  }
  .btn-primary{background:var(--navy); color:var(--white);}
  .btn-primary:hover{background:var(--navy-deep); border-color:var(--navy-deep);}
  .btn-ghost{background:transparent; color:var(--navy);}
  .btn-ghost:hover{background:var(--navy); color:var(--white);}
  .btn-white{border:1px solid var(--white); color:var(--white); background:transparent;}
  .btn-white:hover{background:var(--white); color:var(--navy);}

  .header-cta{display:none;}
  @media(min-width:880px){.header-cta{display:inline-flex;}}
  .nav-links-wrap{display:none;}
  @media(min-width:880px){.nav-links-wrap{display:flex; align-items:center; gap:38px;}}

  /* ============ MOBILE MENU ============ */
  .mobile-menu-toggle{
    display:flex; flex-direction:column; justify-content:center; gap:5px;
    width:44px; height:44px; padding:9px; margin-left:auto;
    border:1px solid var(--grey-light); background:var(--white);
    cursor:pointer; border-radius:2px;
  }
  .mobile-menu-toggle span{
    display:block; width:100%; height:2px; background:var(--navy);
    transition:transform .2s ease, opacity .2s ease;
  }
  .mobile-menu-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg);}
  .mobile-menu-toggle[aria-expanded="true"] span:nth-child(2){opacity:0;}
  .mobile-menu-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

  @media(max-width:879px){
    header{position:sticky;}
    .nav{position:relative;}
    .nav-links-wrap{
      position:absolute; top:100%; left:0; right:0;
      background:var(--white); border-top:1px solid var(--grey-light);
      border-bottom:1px solid var(--grey-light);
      box-shadow:0 12px 28px rgba(0,47,108,.10);
      padding:12px 22px 20px;
      max-height:calc(100vh - 80px); overflow-y:auto;
    }
    .nav-links-wrap.open{display:block;}
    nav.links{display:flex; flex-direction:column; gap:0; font-size:15px;}
    nav.links > a, nav.links .has-dropdown > a{display:flex; align-items:center; justify-content:space-between; width:100%; padding:14px 0; border-bottom:1px solid var(--grey-light);}
    nav.links a::after{display:none;}
    .has-dropdown{width:100%;}
    .has-dropdown .chev{transition:transform .2s ease;}
    .has-dropdown.open .chev{transform:rotate(180deg);}
    .dropdown{
      position:static; transform:none !important;
      min-width:0; width:100%; padding:0 0 4px 14px;
      border:0; box-shadow:none; opacity:1; visibility:visible;
      display:none; gap:0;
    }
    .has-dropdown.open .dropdown{display:flex;}
    .dropdown::before{display:none;}
    .dropdown a{padding:11px 10px; font-size:14px; white-space:normal; border-bottom:1px solid rgba(0,0,0,.07);}
    .header-cta{display:inline-flex; margin-top:16px; width:100%; justify-content:center;}
  }

  @media(min-width:880px){
    .mobile-menu-toggle{display:none;}
  }

  /* ============ HERO ============ */
  .hero{padding: 36px 0 76px;
    position: relative;
    overflow: hidden;
    background: #002f6c;}
  .hero .wrap{display:grid; grid-template-columns:1fr; gap:56px; align-items:center;}
  @media(min-width:960px){.hero .wrap{grid-template-columns:1.05fr 0.95fr;}}
  .hero h1{font-size:clamp(34px,5vw,52px); line-height:1.08; margin:18px 0 22px;color:#fff;}
  .hero h1 em{font-style:italic; color:#fff;}
  .hero p.lede{font-size:17px; color:#fff; max-width:480px; margin-bottom:34px;}
  .hero-ctas{display:flex; gap:16px; flex-wrap:wrap; margin-bottom:40px;}
  .hero-trust{display:flex; gap:32px; flex-wrap:wrap; padding-top:28px; border-top:1px solid var(--grey-light);}
  .hero-trust div{font-family:var(--font-mono); font-size:12px; color:#fff;}
  .hero-trust strong{display:block; font-family:var(--font-display); font-size:26px; color:#fff; font-weight:600;}
.hero .btn-primary {
    background: #ffffff;
    color: #002f6c;
}
  .hero-art{
    position:relative; /*background:var(--navy-tint); border:1px solid var(--grey-light);*/
    aspect-ratio:1/0.86; display:flex; align-items:flex-end; justify-content:center; overflow:hidden;
  }
  .hero-art svg{width:100%; height:100%;}
  .bp{fill:none; stroke:var(--navy); stroke-width:2.4; stroke-linecap:round; stroke-linejoin:round; stroke-dasharray:2600; stroke-dashoffset:2600; animation:draw 2.6s ease-out forwards .3s;}
  .bp.thin{stroke-width:1.3; opacity:0.55;}
  .bf{fill:var(--navy); opacity:0; animation:fadein .8s ease forwards 2.2s;}
  @keyframes draw{to{stroke-dashoffset:0;}}
  @keyframes fadein{to{opacity:1;}}
  @media (prefers-reduced-motion: reduce){.bp{animation:none; stroke-dashoffset:0;} .bf{animation:none; opacity:1;}}
  .hero-art-caption{position:absolute; top:20px; left:24px; font-family:var(--font-mono); font-size:11px; letter-spacing:0.1em; color:var(--navy); text-transform:uppercase; opacity:0.7; z-index:2;}

  /* ---- Hero slider ---- */
  .hero-slider{position:relative;}
  .hero-slide{display:none;}
  .hero-slide.active{display:block; animation:heroFade .6s ease;}
  @keyframes heroFade{from{opacity:0; transform:translateY(10px);} to{opacity:1; transform:translateY(0);}}
  .hero-art-photo{align-items:stretch; justify-content:stretch;}
  .hero-art-photo img{width:100%; height:100%; object-fit:cover; display:block;}
  .hero-art-photo::after{content:""; position:absolute; inset:0; background:linear-gradient(0deg, rgba(0,47,108,0.28), rgba(0,47,108,0) 45%);}
  .hero-art-caption{background:rgba(255,255,255,0.85); padding:4px 10px;}
  .hero-art-photo .hero-art-caption{background:rgba(255,255,255,0.92);}

  .hero-arrow{
    position:absolute; top:34%; transform:translateY(-50%); z-index:20;
    width:44px; height:44px; border-radius:50%; border:1px solid var(--grey-light);
    background:var(--white); color:var(--navy); display:flex; align-items:center; justify-content:center;
    cursor:pointer; transition:all .2s ease;
  }
  .hero-arrow svg{width:18px; height:18px;}
  .hero-arrow:hover{background:var(--navy); color:var(--white); border-color:var(--navy);}
  .hero-arrow.prev{left:6px;}
  .hero-arrow.next{right:6px;}
  @media(max-width:900px){.hero-arrow{display:none;}}

  .hero-dots{display:flex; align-items:center; justify-content:center; gap:12px; margin-top:36px;}
  .hero-dot{width:8px; height:8px; border-radius:50%; border:none; padding:0; background:var(--grey-light); cursor:pointer; transition:all .2s ease;}
  .hero-dot.active{background:#858585; transform:scale(1.3);}

  /* ============ MARQUEE ============ */
  .strap{background: #011b37;
    color: #ffffff; padding:16px 0; overflow:hidden; white-space:nowrap; border-top:1px solid var(--navy-deep); border-bottom:1px solid var(--navy-deep);}
  .strap-inner{display:inline-flex; gap:60px; animation:scroll 26s linear infinite; font-family:var(--font-mono); font-size:12.5px; letter-spacing:0.08em; text-transform:uppercase;}
  .strap-inner span{opacity:0.85;}
  @keyframes scroll{from{transform:translateX(0);} to{transform:translateX(-50%);}}

  /* ============ SECTION HEAD ============ */
  .section-head{max-width:640px; margin-bottom:56px;}
  .section-head h2{font-size:clamp(28px,3.6vw,38px); margin-top:16px;}
  .section-head p{margin-top:16px; font-size:16px; color:var(--grey-dark);}
  .section-head.center{margin-left:auto; margin-right:auto; text-align:center;}
  .section-head.center .eyebrow{justify-content:center;}

  /* ============ SERVICES ============ */
  .services{padding:80px 0;}
  .service-grid{display:grid; grid-template-columns:1fr; border-top:1px solid var(--grey-light); border-left:1px solid var(--grey-light);}
  @media(min-width:700px){.service-grid{grid-template-columns:1fr 1fr;}}
  @media(min-width:1040px){.service-grid{grid-template-columns:repeat(3,1fr);}}
  .service-card{border-right:1px solid var(--grey-light); border-bottom:1px solid var(--grey-light); padding:38px 32px; transition:background .25s ease; position:relative; scroll-margin-top:90px;}
  .service-card:hover{background:var(--navy-tint);}
  .service-media{margin:-38px -32px 22px; aspect-ratio:16/9; overflow:hidden; background:var(--navy-tint);display: none;}
  .service-media img{width:100%; height:100%; object-fit:cover; display:block; transition:transform .5s ease;}
  .service-card:hover .service-media img{transform:scale(1.06);}
  .service-card .num{font-family:var(--font-mono); font-size:11px; color:var(--grey-dark); letter-spacing:0.1em;}
  .service-card .icon{width:40px; height:40px; margin:22px 0 20px; color:var(--navy);}
  .service-card h3{font-size:19px; margin-bottom:10px; font-weight:600;}
  .service-card p{font-size:14.5px; color:var(--grey-dark); margin-bottom:18px;}
  .service-card .learn{font-family:var(--font-body); font-weight:600; font-size:13.5px; color:var(--navy); display:inline-flex; align-items:center; gap:6px;}
  .service-card .learn svg{width:14px;height:14px; transition:transform .2s ease;}
  .service-card:hover .learn svg{transform:translateX(4px);}
  .service-card.wide{background:var(--navy); color:var(--white);}
  .service-card.wide h3, .service-card.wide p{color:var(--white);}
  .service-card.wide .num{color:var(--grey-light);}
  .service-card.wide .icon{color:var(--white);}
  .service-card.wide .learn{color:var(--white);}
  .service-card.wide:hover{background:var(--navy-deep);}

  /* ============ STATS BAND ============ */
  .stats-band{background:var(--navy); color:var(--white); padding:66px 0;}
  .stats-grid{display:grid; grid-template-columns:repeat(2,1fr); gap:40px;}
  @media(min-width:760px){.stats-grid{grid-template-columns:repeat(4,1fr);}}
  .stat{border-left:1px solid rgba(255,255,255,0.25); padding-left:20px;}
  .stat strong{display:block; font-family:var(--font-display); font-size:clamp(30px,4vw,42px); font-weight:600;}
  .stat span{font-family:var(--font-mono); font-size:12px; letter-spacing:0.06em; color:var(--grey-light); text-transform:uppercase;}

  /* ============ CASE STUDIES ============ */
  .cases{padding:108px 0; background:#fafafa;}
  .case-grid{display:grid; grid-template-columns:1fr; gap:32px; margin-top:8px;}
  @media(min-width:860px){.case-grid{grid-template-columns:1fr 1fr;}}
  .case-card{background:var(--white); border:1px solid var(--grey-light);}
  .case-media{background:var(--navy-tint); aspect-ratio:16/10; border-bottom:1px solid var(--grey-light); position:relative; overflow:hidden;}
  .case-media img{width:100%; height:100%; object-fit:cover; display:block; transition:transform .5s ease;}
  .case-card:hover .case-media img{transform:scale(1.05);}
  .case-tag{position:absolute; top:16px; left:16px; font-family:var(--font-mono); font-size:10.5px; letter-spacing:0.1em; text-transform:uppercase; color:var(--navy); background:rgba(255,255,255,0.85); padding:5px 10px; border:1px solid var(--grey-light);}
  .case-body{padding:32px;}
  .case-body h3{font-size:20px; margin-bottom:6px;}
  .case-body .case-meta{font-family:var(--font-mono); font-size:11.5px; color:var(--grey-dark); text-transform:uppercase; letter-spacing:0.06em; margin-bottom:16px; display:block;}
  .case-body p{font-size:14.5px; color:var(--grey-dark); margin-bottom:18px;}
  .case-stats{display:flex; gap:24px; padding-top:18px; border-top:1px solid var(--grey-light); flex-wrap:wrap;}
  .case-stats div{font-family:var(--font-mono); font-size:11px; color:var(--grey-dark); text-transform:uppercase;}
  .case-stats strong{display:block; font-family:var(--font-display); color:var(--navy); font-size:20px; font-weight:600; text-transform:none;}

  /* ============ ABOUT ============ */
  .about{padding:108px 0;background: #fafafa;}
  .about .wrap{display:grid; grid-template-columns:1fr; gap:56px; align-items:center;}
  @media(min-width:900px){.about .wrap{grid-template-columns:0.85fr 1.15fr;}}
  .about-photo{position:relative; aspect-ratio:4/5; background:#111; border:1px solid var(--grey-light); overflow:hidden;}
  .about-photo svg{width:100%; height:100%; display:block;}
  .about-photo-caption{position:absolute; bottom:16px; left:16px; font-family:var(--font-mono); font-size:10.5px; letter-spacing:0.08em; text-transform:uppercase; color:var(--white); opacity:0.85;}
  .about-copy h3{font-size:15px; letter-spacing:0.02em; color:var(--grey-dark); font-family:var(--font-body); font-weight:600; text-transform:uppercase; margin-bottom:6px;}
  .about-copy .name{font-family:var(--font-display); font-size:clamp(26px,3.4vw,36px); color:var(--navy); margin-bottom:20px;
    line-height: 38px;}
  .about-copy p{font-size:15.5px; color:var(--grey-dark); margin-bottom:16px; max-width:560px;}
  .about-copy .sign{margin-top:26px; font-family:var(--font-display); font-style:italic; font-size:20px; color:var(--navy);}

  /* ============ TESTIMONIAL ============ */
  .testimonial{padding:96px 0;}
  .testimonial-inner{max-width:760px; border-left:3px solid var(--navy); padding-left:36px;}
  .testimonial blockquote{font-family:var(--font-display); font-size:clamp(22px,2.8vw,30px); color:var(--navy); font-weight:500; line-height:1.35; font-style:italic;}
  .testimonial cite{display:block; margin-top:22px; font-family:var(--font-mono); font-size:12.5px; color:var(--grey-dark); font-style:normal; letter-spacing:0.04em;}

  /* ============ CONTACT ============ */
  .contact{padding:108px 0; background:#fafafa;}
  .contact .wrap{display:grid; grid-template-columns:1fr; gap:52px;}
  @media(min-width:900px){.contact .wrap{grid-template-columns:0.9fr 1.1fr;}}
  .contact-info-list{margin-top:28px; display:flex; flex-direction:column; gap:20px;}
  .contact-info-list div{display:flex; gap:14px; align-items:flex-start;}
  .contact-info-list svg{width:20px; height:20px; color:var(--navy); flex-shrink:0; margin-top:2px;}
  .contact-info-list strong{display:block; font-size:14px; color:var(--navy); font-weight:600;}
  .contact-info-list span, .contact-info-list a{font-size:14px; color:var(--grey-dark);}
  .social-row{display:flex; gap:12px; margin-top:32px; flex-wrap:wrap;}
  .social-tag{
    display:inline-flex; align-items:center; gap:8px;
    border:1px solid var(--grey-light); padding:9px 14px;
    font-family:var(--font-mono); font-size:11.5px; letter-spacing:0.06em; text-transform:uppercase;
    color:var(--navy); transition:all .2s ease;
  }
  .social-tag svg{width:15px; height:15px;}
  .social-tag:hover{background:var(--navy); color:var(--white); border-color:var(--navy);}

  .contact-form{background:var(--white); border:1px solid var(--grey-light); padding:36px;}
  .form-row{display:grid; grid-template-columns:1fr; gap:20px; margin-bottom:20px;}
  @media(min-width:560px){.form-row.two{grid-template-columns:1fr 1fr;}}
  .field label{display:block; font-family:var(--font-mono); font-size:11px; letter-spacing:0.08em; text-transform:uppercase; color:var(--grey-dark); margin-bottom:8px;}
  .field input, .field select, .field textarea{
    width:100%; border:1px solid var(--grey-light); background:var(--white);
    padding:12px 14px; font-family:var(--font-body); font-size:14.5px; color:var(--navy);
    border-radius:2px;
  }
  .field textarea{resize:vertical; min-height:110px;}
  .field input:focus, .field select:focus, .field textarea:focus{outline:none; border-color:var(--navy);}
  .form-note{font-size:12.5px; color:var(--grey-dark); margin-top:14px;}
  .form-success{display:none; font-family:var(--font-mono); font-size:13px; color:var(--navy); background:var(--navy-tint); border:1px solid var(--navy); padding:14px 16px; margin-top:16px;}
  .form-success.show{display:block;}

  /* ============ CTA BAND ============ */
  .cta-band{background:var(--navy); color:var(--white); padding:88px 0; text-align:center;}
  .cta-band h2{color:var(--white); font-size:clamp(28px,4vw,42px); max-width:640px; margin:0 auto 18px;}
  .cta-band p{color:var(--grey-light); max-width:480px; margin:0 auto 36px; font-size:16px;}
  .cta-band .btns{display:flex; gap:16px; justify-content:center; flex-wrap:wrap;}

  /* ============ FOOTER ============ */
  footer{background:var(--navy-deep); color:var(--grey-light); padding:64px 0 30px; font-size:13.5px;}
  .footer-grid{display:grid; grid-template-columns:1fr; gap:44px; padding-bottom:44px; border-bottom:1px solid rgba(255,255,255,0.14);}
  @media(min-width:760px){.footer-grid{grid-template-columns:1.4fr 1fr 1fr 1fr;}}
  .footer-grid h4{font-family:var(--font-mono); font-size:11.5px; letter-spacing:0.1em; text-transform:uppercase; color:var(--white); margin-bottom:18px;}
  .footer-grid ul{list-style:none;}
  .footer-grid li{margin-bottom:10px;}
  .footer-grid a:hover{color:var(--white);}
  .footer-logo{display:flex; align-items:center; gap:10px; margin-bottom:16px;}
  .footer-logo img{width:auto; height:50px; object-fit:contain;}
  .footer-logo span{font-family:var(--font-display); font-size:17px; font-weight:700; color:var(--white);}
  .footer-grid p{max-width:280px; color:var(--grey-light); line-height:1.7;}
  .footer-social{display:flex; gap:10px; margin-top:18px;}
  .footer-social a{width:32px; height:32px; border:1px solid rgba(255,255,255,0.25); display:flex; align-items:center; justify-content:center;}
  .footer-social svg{width:15px; height:15px; color:var(--grey-light);}
  .footer-social a:hover{border-color:var(--white);}
  .footer-social a:hover svg{color:var(--white);}
  .footer-bottom{display:flex; justify-content:space-between; flex-wrap:wrap; gap:12px; padding-top:26px; font-size:12px; color:rgba(255,255,255,0.5);}
  .footer-disclaimer{max-width:900px; margin-top:18px; font-size:11.5px; line-height:1.7; color:rgba(255,255,255,0.4);}

  @media(max-width:640px){
    .wrap{padding:0 22px;}
    .nav{padding:16px 22px;}
    .hero{padding:52px 0 64px;}
    .services, .cases, .about, .testimonial, .contact{padding:68px 0;}
    .cta-band{padding:60px 0;}
    .contact-form{padding:26px;}
  }
   /* ---------- whatsapp floating button ---------- */
  .whatsapp-float{
    position:fixed; right:24px; bottom:24px; z-index:1500;
    width:60px; height:60px; border-radius:50%;
    background:#25D366; color:#fff;
    display:flex; align-items:center; justify-content:center;
    box-shadow:0 8px 24px rgba(0,0,0,0.3);
    transition:transform .25s ease, box-shadow .25s ease;
  }
  .whatsapp-float:hover{transform:scale(1.08); box-shadow:0 10px 28px rgba(0,0,0,0.4);}
  .whatsapp-float svg{width:32px; height:32px;}
  .whatsapp-float::before{
    content:''; position:absolute; inset:0; border-radius:50%;
    background:#25D366; opacity:0.55;
    animation:waPulse 2.2s ease-out infinite;
    z-index:-1;
  }
  @keyframes waPulse{
    0%{transform:scale(1); opacity:0.55;}
    100%{transform:scale(1.6); opacity:0;}
  }
  @media (max-width:560px){
    .whatsapp-float{right:16px; bottom:16px; width:54px; height:54px;}
    .whatsapp-float svg{width:28px; height:28px;}
  }

  @media (prefers-reduced-motion: reduce){
    *{animation-duration:0.01ms !important; animation-iteration-count:1 !important; transition-duration:0.01ms !important;}
  }
</style>

  /* ============ PAGE HERO (dark banner, used on inner pages) ============ */
  .page-hero{
    background:var(--navy);
    padding:64px 0 58px;
    text-align:center;
  }
  .page-hero h1{color:var(--white); font-size:clamp(32px,4.5vw,46px); margin:16px 0 14px;}
  .page-hero p.lede{color:var(--grey-light); max-width:560px; margin:0 auto; font-size:15.5px;}
  .breadcrumb{
    margin-top:24px; font-family:var(--font-mono); font-size:11.5px;
    letter-spacing:0.06em; text-transform:uppercase; color:var(--grey-light);
  }
  .breadcrumb a{color:var(--white);}
  .breadcrumb a:hover{opacity:0.75;}

  /* ============ SERVICES (same classes/design as index.html) ============ */
  .section-head{max-width:640px; margin-bottom:56px;}
  .section-head h2{font-size:clamp(28px,3.6vw,38px); margin-top:16px;}
  .section-head p{margin-top:16px; font-size:16px; color:var(--grey-dark);}
  .section-head.center{margin-left:auto; margin-right:auto; text-align:center;}
  .section-head.center .eyebrow{justify-content:center;}

  .services{padding:88px 0 40px;}
  .service-grid{display:grid; grid-template-columns:1fr; border-top:1px solid var(--grey-light); border-left:1px solid var(--grey-light);}
  @media(min-width:700px){.service-grid{grid-template-columns:1fr 1fr;}}
  @media(min-width:1040px){.service-grid{grid-template-columns:repeat(3,1fr);}}

  .service-card{border-right:1px solid var(--grey-light); border-bottom:1px solid var(--grey-light); padding:38px 32px; transition:background .25s ease; position:relative; scroll-margin-top:110px;}
  .service-card:hover{background:var(--navy-tint);}
  .service-media{aspect-ratio:16/10; overflow:hidden; margin-bottom:22px; background:var(--navy-tint);}
  .service-media img{width:100%; height:100%; object-fit:cover; display:block; transition:transform .5s ease;}
  .service-card:hover .service-media img{transform:scale(1.06);}
  .service-card .num{font-family:var(--font-mono); font-size:11px; color:var(--grey-dark); letter-spacing:0.1em;}
  .service-card .icon{width:40px; height:40px; margin:22px 0 20px; color:var(--navy);}
  .service-card h3{font-size:19px; margin-bottom:10px; font-weight:600;}
  .service-card p{font-size:14.5px; color:var(--grey-dark); margin-bottom:18px;}
  .service-card .learn{font-family:var(--font-body); font-weight:600; font-size:13.5px; color:var(--navy); display:inline-flex; align-items:center; gap:6px;}
  .service-card .learn svg{width:14px;height:14px; transition:transform .2s ease;}
  .service-card:hover .learn svg{transform:translateX(4px);}
  .service-card.wide{background:var(--navy); color:var(--white);}
  .service-card.wide h3, .service-card.wide p{color:var(--white);}
  .service-card.wide .num{color:var(--grey-light);}
  .service-card.wide .icon{color:var(--white);}
  .service-card.wide .learn{color:var(--white);}
  .service-card.wide:hover{background:var(--navy-deep);}

  /* ============ RISK WARNINGS (bold, eye-catching) ============ */
  .risk-warnings{padding:8px 0 96px;}
  .risk-warnings .wrap{display:flex; flex-direction:column; gap:18px;}
  .risk-box{
    border:3px solid #b30000;
    background:#fff5f5;
    padding:22px 26px;
    display:flex;
    align-items:flex-start;
    gap:18px;
  }
  .risk-box .risk-icon{
    flex:none; width:34px; height:34px; color:#b30000; margin-top:2px;
  }
  .risk-box strong{
    display:block;
    font-family:var(--font-body);
    font-weight:700;
    font-size:16px;
    letter-spacing:0.02em;
    color:#8a0000;
    text-transform:uppercase;
    line-height:1.5;
  }
  .risk-box strong a{color:#8a0000; text-decoration:underline; font-weight:700;}
  .risk-box strong a:hover{color:#b30000;}
  @media(min-width:700px){
    .risk-box strong{font-size:17px;}
  }

  /* ============ POLICY LAYOUT ============ */
  .policy{padding:96px 0 108px;}
  .policy .wrap{display:grid; grid-template-columns:1fr; gap:52px; align-items:start;}
  @media(min-width:900px){.policy .wrap{grid-template-columns:0.85fr 2.15fr;}}

  .policy-toc{
    position:static;
    border:1px solid var(--grey-light);
    padding:26px 24px;
    background:#fafafa;
  }
  @media(min-width:900px){.policy-toc{position:sticky; top:110px;}}
  .policy-toc h4{font-family:var(--font-mono); font-size:11.5px; letter-spacing:0.1em; text-transform:uppercase; color:var(--navy); margin-bottom:16px;}
  .policy-toc ol{list-style:none; counter-reset:toc;}
  .policy-toc li{counter-increment:toc; margin-bottom:12px; font-size:13.5px;}
  .policy-toc li a{display:flex; gap:10px; color:var(--grey-dark); font-weight:500;}
  .policy-toc li a::before{
    content:counter(toc, decimal-leading-zero); font-family:var(--font-mono);
    color:var(--navy); font-weight:600; font-size:11.5px; flex:none;
  }
  .policy-toc li a:hover{color:var(--navy);}
  .policy-toc .note{
    margin-top:20px; padding-top:18px; border-top:1px solid var(--grey-light);
    font-size:12px; color:var(--grey-dark); line-height:1.7;
  }

  .policy-body p.intro{font-size:16px; color:var(--grey-dark); max-width:66ch; margin-bottom:0;}

  .policy-section{
    padding:36px 0; border-bottom:1px solid var(--grey-light);
    scroll-margin-top:110px;
  }
  .policy-body > .policy-section:first-of-type{padding-top:44px;}
  .policy-section:last-child{border-bottom:none;}
  .policy-section h2{font-size:23px; margin-bottom:14px;}
  .policy-section h3{
    font-family:var(--font-mono); font-size:12px; letter-spacing:0.08em;
    text-transform:uppercase; color:var(--navy); font-weight:600;
    margin:26px 0 10px;
  }
  .policy-section p{font-size:15px; color:var(--grey-dark); margin-bottom:14px; max-width:70ch;}
  .policy-section ul{list-style:none; margin-bottom:16px;}
  .policy-section ul li{
    position:relative; padding-left:22px; margin-bottom:10px;
    font-size:15px; color:var(--grey-dark); max-width:66ch;
  }
  .policy-section ul li::before{
    content:""; position:absolute; left:0; top:8px;
    width:6px; height:6px; background:var(--navy);
  }

  .contact-grid{
    display:grid; grid-template-columns:1fr; gap:20px; margin-top:6px; margin-bottom:6px;
  }
  @media(min-width:620px){.contact-grid{grid-template-columns:1fr 1fr;}}
  .contact-card{border:1px solid var(--grey-light); padding:22px 24px;}
  .contact-card .role{font-family:var(--font-mono); font-size:10.5px; letter-spacing:0.1em; text-transform:uppercase; color:var(--navy); margin-bottom:8px;}
  .contact-card .who{font-family:var(--font-display); font-size:18px; color:var(--navy); margin-bottom:10px; font-weight:600;}
  .contact-card a{display:block; font-size:13.5px; color:var(--grey-dark); margin-bottom:4px;}
  .contact-card a:hover{color:var(--navy);}

  .callout{
    border:1px solid var(--grey-light); border-left:3px solid var(--navy);
    padding:16px 20px; font-size:14px; color:var(--navy-deep);
    background:var(--navy-tint); margin-bottom:16px; max-width:70ch;
  }

  .reg-strip{
    background:var(--navy-tint); color:var(--navy-deep);
    text-align:center; font-size:12px; padding:16px 40px; line-height:1.7;
  }
.page-hero {
    background: var(--navy);
    padding: 64px 0 58px;
    text-align: center;
}