:root {
      --primary: #1456f0;
      --primary-dark: #0b3db5;
      --dark: #101828;
      --text: #667085;
      --light: #f5f8ff;
      --border: #e7ebf3;
      --white: #fff;
      --green: #18a66a;
    }

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

    body {
      font-family: "DM Sans", sans-serif;
      color: var(--dark);
      background: #fff;
      overflow-x: hidden;
    }
 

    .section-padding {
      padding: 100px 0;
    }

    .section-title {
      max-width: 700px;
      margin: auto;
      text-align: center;
    }

    .section-title .subtitle {
      color: var(--primary);
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 1.5px;
      font-size: 13px;
      margin-bottom: 12px;
    }

    .section-title h2 {
      font-size: 42px;
      line-height: 1.2;
      font-weight: 800;
      margin-bottom: 15px;
    }

    .section-title p {
      color: var(--text);
      font-size: 16px;
    }

    /* =========================
       NAVBAR
    ========================== */

    .navbar {
      padding: 18px 0;
      background: rgba(255,255,255,.96);
      backdrop-filter: blur(10px);
      border-bottom: 1px solid rgba(0,0,0,.04);
      z-index: 999;
    }

    .navbar-brand {
      font-family: "Manrope", sans-serif;
      font-size: 25px;
      font-weight: 800;
      color: var(--dark);
    }

    .navbar-brand span {
      color: var(--primary);
    }

    .brand-icon {
      width: 38px;
      height: 38px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      background: var(--primary);
      color: #fff;
      border-radius: 11px;
      margin-right: 7px;
      font-size: 20px;
    }

    .navbar-nav .nav-link {
      color: #344054;
      font-weight: 600;
      font-size: 15px;
      padding: 10px 17px !important;
    }

    .navbar-nav .nav-link:hover,
    .navbar-nav .nav-link.active {
      color: var(--primary);
    }

    .btn-main {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      background: var(--primary);
      color: #fff;
      padding: 13px 23px;
      border-radius: 9px;
      border: 1px solid var(--primary);
      font-weight: 700;
      transition: .3s;
    }

    .btn-main:hover {
      background: var(--primary-dark);
      color: #fff;
      transform: translateY(-2px);
    }

    .btn-outline {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      background: transparent;
      color: var(--dark);
      padding: 13px 23px;
      border-radius: 9px;
      border: 1px solid #d0d5dd;
      font-weight: 700;
      transition: .3s;
    }

    .btn-outline:hover {
      border-color: var(--primary);
      color: var(--primary);
    }

    /* =========================
       HERO
    ========================== */

    .hero {
      position: relative;
      min-height: 720px;
      display: flex;
      align-items: center;
      overflow: hidden;
      background:
        radial-gradient(circle at 85% 20%, rgba(18,63,103,.14), transparent 30%),
        linear-gradient(135deg, #FAFAF8 0%, #EEF2F4 100%);
    }

    .hero-shape {
      position: absolute;
      width: 500px;
      height: 500px;
      right: -160px;
      top: 70px;
      border-radius: 50%;
      background: rgba(18,63,103,.07);
    }

    .hero-content {
      position: relative;
      z-index: 2;
    }

    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 8px 14px;
      border-radius: 50px;
      background: #fff;
      color: var(--primary);
      font-weight: 700;
      font-size: 13px;
      box-shadow: 0 5px 25px rgba(16,24,40,.06);
      margin-bottom: 20px;
    }

    .hero-badge i {
      font-size: 16px;
    }

    .hero h1 {
      font-size: 64px;
      line-height: 1.08;
      font-weight: 800;
      letter-spacing: -2px;
      margin-bottom: 22px;
    }

    .hero h1 span {
      color: var(--primary);
    }

    .hero p {
      color: var(--text);
      font-size: 18px;
      line-height: 1.7;
      max-width: 580px;
      margin-bottom: 30px;
    }

    .hero-buttons {
      display: flex;
      gap: 12px;
      flex-wrap: wrap;
    }

    .hero-image {
      position: relative;
      z-index: 2;
    }

    .hero-card {
      position: relative;
      max-width: 490px;
      margin-left: auto;
    }

    .hero-main-img {
      width: 100%;
      height: 540px;
      object-fit: cover;
      border-radius: 30px;
      box-shadow: 0 25px 70px rgba(16,24,40,.16);
    }

    .floating-card {
      position: absolute;
      background: #fff;
      padding: 18px;
      border-radius: 17px;
      box-shadow: 0 20px 50px rgba(16,24,40,.15);
    }

    .floating-card.policy {
      left: -50px;
      bottom: 55px;
      width: 220px;
    }

    .floating-card.support {
      right: -35px;
      top: 60px;
      width: 190px;
    }

    .floating-icon {
      width: 45px;
      height: 45px;
      border-radius: 12px;
      display: flex;
      align-items: center;
      justify-content: center;
      background: #EAF4FB;
      color: var(--primary);
      font-size: 20px;
      margin-bottom: 10px;
    }

    .floating-card h6 {
      font-weight: 800;
      margin-bottom: 3px;
    }

    .floating-card small {
      color: var(--text);
    }

    /* =========================
       TRUST
    ========================== */

    .trust-bar {
      padding: 28px 0;
      border-bottom: 1px solid var(--border);
      background: #fff;
    }

    .trust-item {
      display: flex;
      align-items: center;
      gap: 12px;
      justify-content: center;
      color: #475467;
      font-weight: 600;
    }

    .trust-item i {
      color: #cba465;
      font-size: 22px;
    }

    /* =========================
       INSURANCE CARDS
    ========================== */

    .insurance-card {
      height: 100%;
      padding: 30px;
      border: 1px solid var(--border);
      border-radius: 18px;
      background: #fff;
      transition: .35s;
    }

    .insurance-card:hover {
      transform: translateY(-8px);
      border-color: rgba(18,63,103,.30);
      box-shadow: 0 20px 45px rgba(16,24,40,.09);
    }

    .insurance-icon {
      width: 58px;
      height: 58px;
      border-radius: 15px;
      display: flex;
      align-items: center;
      justify-content: center;
      background: #EAF4FB;
      color: var(--primary);
      font-size: 26px;
      margin-bottom: 22px;
    }

    .insurance-card h4 {
      font-size: 20px;
      font-weight: 800;
      margin-bottom: 10px;
    }

    .insurance-card p {
      color: var(--text);
      line-height: 1.7;
      margin-bottom: 18px;
    }

    .learn-more {
      color: var(--primary);
      font-weight: 700;
      display: inline-flex;
      align-items: center;
      gap: 6px;
    }

    /* =========================
       ABOUT
    ========================== */

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

    .about-image {
      position: relative;
    }

    .about-image img {
      width: 100%;
      height: 530px;
      object-fit: cover;
      border-radius: 25px;
    }

    .experience-box {
      position: absolute;
      bottom: 30px;
      right: -30px;
      background: #fff;
      padding: 22px 27px;
      border-radius: 17px;
      box-shadow: 0 15px 40px rgba(16,24,40,.13);
    }

    .experience-box h2 {
      color: var(--primary);
      font-size: 35px;
      font-weight: 800;
      margin: 0;
    }

    .experience-box p {
      color: var(--text);
      margin: 0;
    }

    .about-content {
      padding-left: 50px;
    }

    .about-content .subtitle {
      color: var(--primary);
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 1.5px;
      font-size: 13px;
    }

    .about-content h2 {
      font-size: 43px;
      font-weight: 800;
      line-height: 1.2;
      margin: 12px 0 18px;
    }

    .about-content > p {
      color: var(--text);
      line-height: 1.8;
    }

    .about-list {
      margin: 25px 0;
      padding: 0;
      list-style: none;
    }

    .about-list li {
      margin-bottom: 15px;
      display: flex;
      gap: 10px;
      color: #344054;
      font-weight: 600;
    }

    .about-list i {
      color: var(--green);
      font-size: 20px;
    }

    /* =========================
       STATS
    ========================== */

    .stats-section {
      background: var(--primary);
      color: #fff;
    }

    .stat-box {
      text-align: center;
      padding: 15px;
    }

    .stat-box h2 {
      font-size: 42px;
      font-weight: 800;
      margin-bottom: 5px;
    }

    .stat-box p {
      opacity: .8;
      margin: 0;
    }

    /* =========================
       PROCESS
    ========================== */

    .process-card {
      text-align: center;
      position: relative;
      padding: 20px;
    }

    .process-number {
      width: 65px;
      height: 65px;
      margin: 0 auto 20px;
      border-radius: 50%;
      background: #EAF4FB;
      color: var(--primary);
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: 800;
      font-size: 20px;
    }

    .process-card h4 {
      font-size: 20px;
      font-weight: 800;
      margin-bottom: 10px;
    }

    .process-card p {
      color: var(--text);
      line-height: 1.7;
    }

    /* =========================
       PLAN
    ========================== */

    .plan-card {
      border: 1px solid var(--border);
      border-radius: 20px;
      padding: 35px;
      height: 100%;
      transition: .3s;
    }

    .plan-card.featured {
      border: 2px solid var(--primary);
      box-shadow: 0 20px 45px rgba(18,63,103,.12);
      position: relative;
    }

    .popular {
      position: absolute;
      top: 20px;
      right: 20px;
      background: var(--primary);
      color: #fff;
      font-size: 11px;
      padding: 6px 10px;
      border-radius: 50px;
      font-weight: 700;
    }

    .plan-card h4 {
      font-size: 21px;
      font-weight: 800;
    }

    .plan-price {
      font-size: 38px;
      font-weight: 800;
      margin: 15px 0 5px;
    }

    .plan-price span {
      font-size: 14px;
      color: var(--text);
      font-weight: 500;
    }

    .plan-card > p {
      color: var(--text);
    }

    .plan-list {
      list-style: none;
      padding: 0;
      margin: 25px 0;
    }

    .plan-list li {
      padding: 10px 0;
      color: #475467;
    }

    .plan-list i {
      color: var(--green);
      margin-right: 8px;
    }

    /* =========================
       TESTIMONIAL
    ========================== */

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

    .testimonial {
      background: #fff;
      border: 1px solid var(--border);
      padding: 30px;
      border-radius: 20px;
      height: 100%;
    }

    .stars {
      color: #f5a623;
      margin-bottom: 15px;
    }

    .testimonial p {
      color: #475467;
      line-height: 1.8;
      font-size: 16px;
    }

    .client {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-top: 20px;
    }

    .client img {
      width: 48px;
      height: 48px;
      border-radius: 50%;
      object-fit: cover;
    }

    .client h6 {
      margin: 0;
      font-weight: 800;
    }

    .client small {
      color: var(--text);
    }

    /* =========================
       CTA
    ========================== */

    .cta-box {
      position: relative;
      overflow: hidden;
      border-radius: 28px;
      padding: 70px;
      background: linear-gradient(110deg, #2a2974, #D9AA4B);
      color: #fff;
    }

    .cta-box:after {
      content: "";
      position: absolute;
      width: 300px;
      height: 300px;
      border: 70px solid rgba(255,255,255,.08);
      border-radius: 50%;
      right: -70px;
      top: -100px;
    }

    .cta-box h2 {
      font-size: 42px;
      font-weight: 800;
      max-width: 650px;
    }

    .cta-box p {
      opacity: .85;
      max-width: 600px;
      margin: 15px 0 25px;
    }

    .btn-white {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: #fff;
      color: var(--primary);
      padding: 14px 24px;
      border-radius: 9px;
      font-weight: 800;
    }

    /* =========================
       BLOG
    ========================== */

    .blog-card {
      border: 1px solid var(--border);
      border-radius: 18px;
      overflow: hidden;
      background: #fff;
      height: 100%;
      transition: .3s;
    }

    .blog-card:hover {
      transform: translateY(-6px);
      box-shadow: 0 18px 40px rgba(16,24,40,.08);
    }

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

    .blog-content {
      padding: 23px;
    }

    .blog-meta {
      color: var(--primary);
      font-size: 13px;
      font-weight: 700;
      margin-bottom: 9px;
    }

    .blog-content h4 {
      font-size: 19px;
      line-height: 1.4;
      font-weight: 800;
      margin-bottom: 10px;
    }

    .blog-content p {
      color: var(--text);
      line-height: 1.6;
    }

    /* =========================
       FOOTER
    ========================== */

    footer {
      background: #2a2974;
      color: #fff;
      padding-top: 70px;
    }

    .footer-brand {
      font-size: 25px;
      font-weight: 800;
      color: #fff;
    }

    .footer-brand span {
      color: #D9AA4B;
    }

    .footer-text {
      color: #98a2b3;
      line-height: 1.8;
      margin-top: 18px;
      max-width: 340px;
    }

    footer h5 {
      font-size: 16px;
      margin-bottom: 20px;
      font-weight: 800;
    }

    footer ul {
      list-style: none;
      padding: 0;
    }

    footer li {
      margin-bottom: 11px;
    }

    footer li a {
      color: #cbcdd1;
      transition: .2s;
    }

    footer li a:hover {
      color: #fff;
    }

    .footer-social {
      display: flex;
      gap: 9px;
      margin-top: 20px;
    }

    .footer-social a {
      width: 38px;
      height: 38px;
      display: flex;
      align-items: center;
      justify-content: center;
      border-radius: 9px;
      background: rgba(255,255,255,.08);
      color: #fff;
    }

    .footer-bottom {
      border-top: 1px solid rgba(255,255,255,.08);
      padding: 20px 0;
      margin-top: 55px;
      color: #98a2b3;
      font-size: 14px;
    }

    footer img {
          background: #ffffff;
    padding: 15px;
    border-radius: 10px;
    }

    /* =========================
       ANIMATION
    ========================== */

    .fade-up {
      animation: fadeUp .8s ease both;
    }

    @keyframes fadeUp {
      from {
        opacity: 0;
        transform: translateY(25px);
      }
      to {
        opacity: 1;
        transform: translateY(0);
      }
    }

    /* =========================
       RESPONSIVE
    ========================== */

    @media(max-width: 991px) {

      .hero {
        padding: 90px 0;
      }

      .hero h1 {
        font-size: 48px;
      }

      .hero-image {
        margin-top: 60px;
      }

      .about-content {
        padding-left: 0;
        margin-top: 60px;
      }

      .experience-box {
        right: 15px;
      }

      .section-title h2,
      .about-content h2 {
        font-size: 36px;
      }

      .floating-card.policy {
        left: 15px;
      }

      .floating-card.support {
        right: 15px;
      }

      .cta-box {
        padding: 45px 30px;
      }
    }

    @media(max-width: 767px) {

      .hero {
        min-height: auto;
        padding: 70px 0;
      }

      .hero h1 {
        font-size: 39px;
        letter-spacing: -1px;
      }

      .hero p {
        font-size: 16px;
      }

      .hero-main-img {
        height: 430px;
      }

      .floating-card {
        transform: scale(.9);
      }

      .section-padding {
        padding: 70px 0;
      }

      .section-title h2,
      .about-content h2,
      .cta-box h2 {
        font-size: 31px;
      }

      .stat-box h2 {
        font-size: 32px;
      }

      .trust-item {
        justify-content: flex-start;
        margin-bottom: 10px;
      }

      .cta-box {
        padding: 40px 25px;
      }
    } 

    h1,
    h2,
    h3,
    h4,
    h5,
    h6 {
      font-family: "Manrope", sans-serif;
    }

    a {
      text-decoration: none;
    }

  
    /* =========================
       PAGE HERO
    ========================= */

    .page-hero {
      position: relative;
      padding: 115px 0 110px;
      overflow: hidden;
      background:
        radial-gradient(circle at 85% 20%,
        rgba(18, 63, 103, .13),
        transparent 30%),
        linear-gradient(135deg,
        #FAFAF8 0%,
        #EEF2F4 100%);
    }

    .page-hero:before {
      content: "";
      position: absolute;
      width: 380px;
      height: 380px;
      border-radius: 50%;
      background: rgba(18, 63, 103, .05);
      right: -100px;
      top: -120px;
    }

    .page-hero-content {
      position: relative;
      z-index: 2;
      text-align: center;
    }

    .page-label {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 8px 15px;
      border-radius: 50px;
      background: #fff;
      color: var(--primary);
      font-weight: 700;
      font-size: 13px;
      box-shadow: 0 8px 25px rgba(16, 24, 40, .06);
      margin-bottom: 18px;
    }

    .page-hero h1 {
      font-size: 58px;
      font-weight: 800;
      letter-spacing: -1.5px;
      margin-bottom: 15px;
    }

    .page-hero h1 span {
      color: var(--primary);
    }

    .page-hero p {
      max-width: 650px;
      margin: auto;
      color: var(--text);
      font-size: 17px;
      line-height: 1.7;
    }

    /* =========================
       ABOUT INTRO
    ========================= */

    .section-padding {
      padding: 100px 0;
    }

    .about-image {
      position: relative;
    }

    .about-image img {
      width: 100%;
      height: 590px;
      object-fit: cover;
      border-radius: 25px;
      /* box-shadow: 0 25px 60px rgba(16, 24, 40, .12); */
    }

    .experience-card {
      position: absolute;
      bottom: 30px;
      right: -30px;
      background: #fff;
      padding: 22px 25px;
      border-radius: 17px;
      box-shadow: 0 20px 50px rgba(16, 24, 40, .15);
      min-width: 190px;
    }

    .experience-card .icon {
      width: 45px;
      height: 45px;
      display: flex;
      align-items: center;
      justify-content: center;
      background: #EAF4FB;
      color: var(--primary);
      border-radius: 12px;
      font-size: 21px;
      margin-bottom: 10px;
    }

    .experience-card h4 {
      font-size: 25px;
      font-weight: 800;
      margin-bottom: 2px;
    }

    .experience-card p {
      color: var(--text);
      margin: 0;
      font-size: 14px;
    }

    .about-content {
      padding-left: 50px;
    }

    .subtitle {
      color: var(--primary);
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 1.5px;
      font-size: 13px;
    }

    .about-content h2 {
      font-size: 43px;
      font-weight: 800;
      line-height: 1.2;
      margin: 12px 0 18px;
    }

    .about-content > p {
      color: var(--text);
      line-height: 1.8;
      font-size: 16px;
    }

    .about-points {
      list-style: none;
      padding: 0;
      margin: 25px 0;
    }

    .about-points li {
      display: flex;
      align-items: center;
      gap: 10px;
      margin-bottom: 14px;
      color: #344054;
      font-weight: 600;
    }

    .about-points i {
      color: #cba465;;
      font-size: 20px;
    }

    /* =========================
       EXPERIENCE TIMELINE
    ========================= */

    .journey-section {
      background: var(--light);
    }

    .section-title {
      text-align: center;
      max-width: 700px;
      margin: 0 auto 60px;
    }

    .section-title h2 {
      font-size: 42px;
      line-height: 1.2;
      font-weight: 800;
      margin: 10px 0 15px;
    }

    .section-title p {
      color: var(--text);
      line-height: 1.7;
    }

    .timeline {
      position: relative;
      max-width: 900px;
      margin: auto;
    }

    .timeline:before {
      content: "";
      position: absolute;
      width: 2px;
      background: #E7ECEF;
      top: 0;
      bottom: 0;
      left: 50%;
      transform: translateX(-50%);
    }

    .timeline-item {
      position: relative;
      width: 50%;
      padding: 0 45px 45px 0;
    }

    .timeline-item:nth-child(even) {
      margin-left: 50%;
      padding: 0 0 45px 45px;
    }

    .timeline-dot {
      position: absolute;
      width: 18px;
      height: 18px;
      background: var(--primary);
      border: 4px solid #E8EEF2;
      border-radius: 50%;
      right: -9px;
      top: 5px;
      z-index: 2;
    }

    .timeline-item:nth-child(even) .timeline-dot {
      left: -9px;
    }

    .timeline-card {
      background: #fff;
      padding: 28px;
      border-radius: 18px;
      border: 1px solid var(--border);
      transition: .3s;
    }

    .timeline-card:hover {
      transform: translateY(-5px);
      box-shadow: 0 18px 40px rgba(16, 24, 40, .08);
    }

    .timeline-year {
      color: var(--primary);
      font-size: 14px;
      font-weight: 800;
      margin-bottom: 8px;
    }

    .timeline-card h4 {
      font-size: 21px;
      font-weight: 800;
      margin-bottom: 8px;
    }

    .timeline-card p {
      color: var(--text);
      line-height: 1.7;
      margin: 0;
    }

    /* =========================
       STATS
    ========================= */

    .stats-section {
      background: var(--primary);
      color: #fff;
    }

    .stat {
      text-align: center;
      padding: 10px;
    }

    .stat h2 {
      font-size: 43px;
      font-weight: 800;
      margin-bottom: 5px;
    }

    .stat p {
      margin: 0;
      opacity: .8;
    }

    /* =========================
       VALUES
    ========================= */

    .value-card {
      height: 100%;
      padding: 30px;
      border: 1px solid var(--border);
      border-radius: 18px;
      transition: .3s;
    }

    .value-card:hover {
      transform: translateY(-7px);
      box-shadow: 0 20px 45px rgba(16, 24, 40, .08);
    }

    .value-icon {
      width: 58px;
      height: 58px;
      border-radius: 15px;
      background: #EAF4FB;
      color: var(--primary);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 25px;
      margin-bottom: 20px;
    }

    .value-card h4 {
      font-size: 20px;
      font-weight: 800;
      margin-bottom: 10px;
    }

    .value-card p {
      color: var(--text);
      line-height: 1.7;
      margin: 0;
    }

    /* =========================
       CTA
    ========================= */

    .cta-box {
      position: relative;
      overflow: hidden;
      border-radius: 28px;
      padding: 70px;
      background: linear-gradient(110deg, #2a2974, #D9AA4B);
      color: #fff;
    }

    .cta-box:after {
      content: "";
      position: absolute;
      width: 300px;
      height: 300px;
      border: 70px solid rgba(255, 255, 255, .08);
      border-radius: 50%;
      right: -70px;
      top: -100px;
    }

    .cta-box h2 {
      font-size: 42px;
      font-weight: 800;
      max-width: 650px;
    }

    .cta-box p {
      opacity: .85;
      max-width: 600px;
      margin: 15px 0 25px;
      line-height: 1.7;
    }

    .btn-white {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: #fff;
      color: var(--primary);
      padding: 14px 24px;
      border-radius: 9px;
      font-weight: 800;
    } 
    /* =========================
       RESPONSIVE
    ========================= */

    @media(max-width: 991px) {

      .page-hero h1 {
        font-size: 48px;
      }

      .about-content {
        padding-left: 0;
        margin-top: 60px;
      }

      .experience-card {
        right: 20px;
      }

      .about-content h2 {
        font-size: 36px;
      }
    }

    @media(max-width: 767px) {

      .page-hero {
        padding: 80px 0;
      }

      .page-hero h1 {
        font-size: 38px;
      }

      .section-padding {
        padding: 70px 0;
      }

      .section-title h2 {
        font-size: 32px;
      }

      .about-image img {
        height: 420px;
      }

      .timeline:before {
        left: 10px;
      }

      .timeline-item,
      .timeline-item:nth-child(even) {
        width: 100%;
        margin-left: 0;
        padding: 0 0 30px 40px;
      }

      .timeline-dot,
      .timeline-item:nth-child(even) .timeline-dot {
        left: 1px;
        right: auto;
      }

      .stat h2 {
        font-size: 32px;
      }

      .cta-box {
        padding: 40px 25px;
      }

      .cta-box h2 {
        font-size: 31px;
      }
    }  
    /* =========================
       PAGE HERO
    ========================= */

    .page-hero {
      position: relative;
      overflow: hidden;
      padding: 110px 0 105px;

      background:
        radial-gradient(
          circle at 85% 20%,
          rgba(18, 63, 103, .14),
          transparent 30%
        ),
        linear-gradient(
          135deg,
          #FAFAF8 0%,
          #EEF2F4 100%
        );
    }

    .page-hero::before {
      content: "";
      position: absolute;
      width: 400px;
      height: 400px;
      right: -120px;
      top: -140px;
      border-radius: 50%;
      background: rgba(18, 63, 103, .06);
    }

    .hero-content {
      position: relative;
      z-index: 2;
      text-align: center;
    }

    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 8px 15px;
      background: #fff;
      color: var(--primary);
      border-radius: 50px;
      font-size: 13px;
      font-weight: 700;
      margin-bottom: 18px;
      box-shadow: 0 8px 25px rgba(16, 24, 40, .06);
    }

    .hero-content h1 {
      font-size: 58px;
      line-height: 1.1;
      font-weight: 800;
      letter-spacing: -1.5px;
      margin-bottom: 17px;
    }

    .hero-content h1 span {
      color: var(--primary);
    }

    .hero-content p {
      max-width: 680px;
      margin: auto;
      color: var(--text);
      font-size: 17px;
      line-height: 1.7;
    }


    /* =========================
       CONTACT SECTION
    ========================= */

    .section-padding {
      padding: 100px 0;
    }

    .contact-wrapper {
      background: #fff;
    }


    /* =========================
       CONTACT INFO
    ========================= */

    .contact-info {
      padding-right: 45px;
    }

    .subtitle {
      color: var(--primary);
      font-size: 13px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 1.5px;
      margin-bottom: 10px;
    }

    .contact-info h2 {
      font-size: 42px;
      line-height: 1.2;
      font-weight: 800;
      margin-bottom: 17px;
    }

    .contact-info > p {
      color: var(--text);
      line-height: 1.8;
      margin-bottom: 30px;
    }


    /* =========================
       CONTACT ITEM
    ========================= */

    .contact-item {
      display: flex;
      align-items: flex-start;
      gap: 16px;
      padding: 20px 0;
      border-bottom: 1px solid var(--border);
    }

    .contact-item:last-child {
      border-bottom: 0;
    }

    .contact-icon {
      flex: 0 0 52px;
      width: 52px;
      height: 52px;
      display: flex;
      align-items: center;
      justify-content: center;
      border-radius: 14px;
      background: #EAF4FB;
      color: var(--primary);
      font-size: 21px;
    }

    .contact-item h5 {
      font-size: 16px;
      font-weight: 800;
      margin-bottom: 5px;
    }

    .contact-item p {
      color: var(--text);
      margin: 0;
      line-height: 1.6;
    }

    .contact-item a {
      color: var(--text);
    }

    .contact-item a:hover {
      color: var(--primary);
    }


    /* =========================
       SOCIAL
    ========================= */

    .social-title {
      margin-top: 25px;
      margin-bottom: 12px;
      font-weight: 800;
      font-size: 15px;
    }

    .social-links {
      display: flex;
      gap: 10px;
    }

    .social-links a {
      width: 42px;
      height: 42px;
      display: flex;
      align-items: center;
      justify-content: center;
      background: var(--light);
      color: var(--primary);
      border-radius: 10px;
      transition: .3s;
    }

    .social-links a:hover {
      background: var(--primary);
      color: #fff;
      transform: translateY(-3px);
    }


    /* =========================
       CONTACT FORM
    ========================= */

    .contact-form-box {
      background: #fff;
      border: 1px solid var(--border);
      border-radius: 24px;
      padding: 40px;
      box-shadow: 0 20px 55px rgba(16, 24, 40, .07);
    }

    .contact-form-box h3 {
      font-size: 25px;
      font-weight: 800;
      margin-bottom: 7px;
    }

    .form-description {
      color: var(--text);
      margin-bottom: 25px;
    }

    .form-label {
      color: #344054;
      font-weight: 700;
      font-size: 14px;
      margin-bottom: 8px;
    }

    .form-control,
    .form-select {
      min-height: 52px;
      border: 1px solid #dfe4ec;
      border-radius: 10px;
      padding: 12px 15px;
      font-size: 15px;
      color: #344054;
      box-shadow: none !important;
    }

    textarea.form-control {
      min-height: 135px;
      resize: vertical;
    }

    .form-control:focus,
    .form-select:focus {
      border-color: var(--primary);
      box-shadow: 0 0 0 3px rgba(18, 63, 103, .08) !important;
    }

    .submit-btn {
      width: 100%;
      min-height: 53px;
      border: 0;
      border-radius: 10px;
      background: var(--primary);
      color: #fff;
      font-weight: 700;
      font-size: 15px;
      transition: .3s;
    }

    .submit-btn:hover {
      background: var(--primary-dark);
      transform: translateY(-2px);
    }


    /* =========================
       SERVICES MINI CARDS
    ========================= */

    .services-section {
      background: var(--light);
    }

    .section-title {
      max-width: 700px;
      text-align: center;
      margin: 0 auto 50px;
    }

    .section-title h2 {
      font-size: 40px;
      font-weight: 800;
      line-height: 1.2;
      margin-bottom: 14px;
    }

    .section-title p {
      color: var(--text);
      line-height: 1.7;
    }

    .mini-card {
      height: 100%;
      padding: 28px;
      background: #fff;
      border: 1px solid var(--border);
      border-radius: 18px;
      transition: .3s;
    }

    .mini-card:hover {
      transform: translateY(-6px);
      box-shadow: 0 18px 40px rgba(16, 24, 40, .08);
    }

    .mini-icon {
      width: 55px;
      height: 55px;
      display: flex;
      align-items: center;
      justify-content: center;
      background: #EAF4FB;
      color: var(--primary);
      border-radius: 14px;
      font-size: 23px;
      margin-bottom: 18px;
    }

    .mini-card h4 {
      font-size: 19px;
      font-weight: 800;
      margin-bottom: 8px;
    }

    .mini-card p {
      color: var(--text);
      line-height: 1.65;
      margin: 0;
      font-size: 14px;
    }


    /* =========================
       MAP
    ========================= */

    .map-box {
      width: 100%;
      min-height: 350px;
      border-radius: 22px;
      overflow: hidden;
      border: 1px solid var(--border);
    }

    .map-box iframe {
      width: 100%;
      height: 350px;
      border: 0;
    }


    /* =========================
       CTA
    ========================= */

    .cta-box {
      position: relative;
      overflow: hidden;
      padding: 70px;
      border-radius: 28px;
      background: linear-gradient(
        110deg,
        #2a2974,
        #D9AA4B
      );
      color: #fff;
    }

    .cta-box::after {
      content: "";
      position: absolute;
      width: 320px;
      height: 320px;
      right: -100px;
      top: -120px;
      border: 70px solid rgba(255,255,255,.08);
      border-radius: 50%;
    }

    .cta-box h2 {
      max-width: 650px;
      font-size: 42px;
      line-height: 1.2;
      font-weight: 800;
    }

    .cta-box p {
      max-width: 620px;
      color: rgba(255,255,255,.82);
      line-height: 1.7;
      margin: 15px 0 25px;
    }

    .btn-white {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 14px 25px;
      border-radius: 9px;
      background: #fff;
      color: var(--primary);
      font-weight: 800;
    }
 
    /* =========================
       RESPONSIVE
    ========================= */

    @media(max-width: 991px) {

      .hero-content h1 {
        font-size: 48px;
      }

      .contact-info {
        padding-right: 0;
        margin-bottom: 55px;
      }

      .contact-info h2 {
        font-size: 36px;
      }

      .section-title h2 {
        font-size: 36px;
      }

      .cta-box h2 {
        font-size: 36px;
      }

    }


    @media(max-width: 767px) {

      .page-hero {
        padding: 80px 0;
      }

      .hero-content h1 {
        font-size: 38px;
      }

      .hero-content p {
        font-size: 16px;
      }

      .section-padding {
        padding: 70px 0;
      }

      .contact-form-box {
        padding: 25px;
        border-radius: 18px;
      }

      .contact-info h2 {
        font-size: 31px;
      }

      .section-title h2 {
        font-size: 31px;
      }

      .cta-box {
        padding: 40px 25px;
      }

      .cta-box h2 {
        font-size: 31px;
      }

      .map-box,
      .map-box iframe {
        min-height: 280px;
        height: 280px;
      }

    }
  

    /* =========================
       PAGE HERO
    ========================= */

    .page-hero {
      position: relative;
      overflow: hidden;
      padding: 115px 0 110px;

      background:
        radial-gradient(
          circle at 85% 20%,
          rgba(18,63,103,.14),
          transparent 30%
        ),
        linear-gradient(
          135deg,
          #FAFAF8 0%,
          #EEF2F4 100%
        );
    }

    .page-hero::before {
      content: "";
      position: absolute;
      width: 400px;
      height: 400px;
      right: -120px;
      top: -140px;
      border-radius: 50%;
      background: rgba(18,63,103,.06);
    }

    .hero-content {
      position: relative;
      z-index: 2;
      text-align: center;
    }

    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 8px 15px;
      background: #fff;
      color: var(--primary);
      border-radius: 50px;
      font-size: 13px;
      font-weight: 700;
      margin-bottom: 18px;
      box-shadow: 0 8px 25px rgba(16,24,40,.06);
    }

    .hero-content h1 {
      font-size: 58px;
      line-height: 1.1;
      font-weight: 800;
      letter-spacing: -1.5px;
      margin-bottom: 17px;
    }

    .hero-content h1 span {
      color: var(--primary);
    }

    .hero-content p {
      max-width: 680px;
      margin: auto;
      color: var(--text);
      font-size: 17px;
      line-height: 1.7;
    }


    /* =========================
       SERVICES
    ========================= */

    .section-padding {
      padding: 100px 0;
    }

    .section-title {
      max-width: 700px;
      text-align: center;
      margin: 0 auto 55px;
    }

    .subtitle {
      color: var(--primary);
      font-size: 13px;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 1.5px;
      margin-bottom: 10px;
    }

    .section-title h2 {
      font-size: 42px;
      line-height: 1.2;
      font-weight: 800;
      margin-bottom: 15px;
    }

    .section-title p {
      color: var(--text);
      line-height: 1.7;
    }


    /* =========================
       SERVICE CARD
    ========================= */

    .service-card {
      position: relative;
      height: 100%;
      padding: 35px;
      background: #fff;
      border: 1px solid var(--border);
      border-radius: 20px;
      transition: .35s;
      overflow: hidden;
    }

    .service-card::after {
      content: "";
      position: absolute;
      width: 130px;
      height: 130px;
      border-radius: 50%;
      background: rgba(18,63,103,.04);
      right: -55px;
      bottom: -55px;
      transition: .35s;
    }

    .service-card:hover {
      transform: translateY(-8px);
      border-color: rgba(18,63,103,.25);
      box-shadow: 0 22px 50px rgba(16,24,40,.09);
    }

    .service-card:hover::after {
      transform: scale(1.5);
    }

    .service-icon {
      width: 65px;
      height: 65px;
      display: flex;
      align-items: center;
      justify-content: center;
      border-radius: 17px;
      background: #EAF4FB;
      color: var(--primary);
      font-size: 28px;
      margin-bottom: 23px;
    }

    .service-card h3 {
      font-size: 23px;
      font-weight: 800;
      margin-bottom: 12px;
    }

    .service-card > p {
      color: var(--text);
      line-height: 1.7;
      margin-bottom: 20px;
    }

    .service-list {
      list-style: none;
      padding: 0;
      margin: 0;
    }

    .service-list li {
      display: flex;
      align-items: center;
      gap: 10px;
      color: #475467;
      font-weight: 600;
      margin-bottom: 12px;
    }

    .service-list i {
      color: #cba465;
      font-size: 17px;
    }

    .service-link {
      display: inline-flex;
      align-items: center;
      gap: 7px;
      margin-top: 12px;
      color: var(--primary);
      font-weight: 700;
      position: relative;
      z-index: 2;
    }


    /* =========================
       FEATURED LIFE INSURANCE
    ========================= */

    .featured-section {
      background: var(--light);
    }

    .featured-image {
      position: relative;
    }

    .featured-image img {
      width: 100%;
      height: 540px;
      object-fit: cover;
      border-radius: 25px;
      box-shadow: 0 25px 60px rgba(16,24,40,.12);
    }

    .floating-info {
      position: absolute;
      background: #fff;
      padding: 20px;
      border-radius: 17px;
      box-shadow: 0 18px 45px rgba(16,24,40,.14);
      bottom: 30px;
      right: -25px;
      width: 220px;
    }

    .floating-info-icon {
      width: 45px;
      height: 45px;
      display: flex;
      align-items: center;
      justify-content: center;
      background: #EAF4FB;
      color: var(--primary);
      border-radius: 12px;
      font-size: 20px;
      margin-bottom: 10px;
    }

    .floating-info h5 {
      font-size: 17px;
      font-weight: 800;
      margin-bottom: 3px;
    }

    .floating-info p {
      color: var(--text);
      font-size: 13px;
      margin: 0;
    }

    .featured-content {
      padding-left: 55px;
    }

    .featured-content h2 {
      font-size: 42px;
      line-height: 1.2;
      font-weight: 800;
      margin: 10px 0 17px;
    }

    .featured-content > p {
      color: var(--text);
      line-height: 1.8;
    }

    .feature-point {
      display: flex;
      align-items: flex-start;
      gap: 14px;
      margin-top: 25px;
    }

    .feature-point-icon {
      flex: 0 0 45px;
      width: 45px;
      height: 45px;
      display: flex;
      align-items: center;
      justify-content: center;
      background: #EAF4FB;
      color: var(--primary);
      border-radius: 12px;
    }

    .feature-point h5 {
      font-size: 17px;
      font-weight: 800;
      margin-bottom: 4px;
    }

    .feature-point p {
      color: var(--text);
      font-size: 14px;
      line-height: 1.6;
      margin: 0;
    }


    /* =========================
       STATS
    ========================= */

    .stats-section {
      padding: 70px 0;
      background: var(--primary);
      color: #fff;
    }

    .stat-box {
      text-align: center;
    }

    .stat-box h2 {
      font-size: 42px;
      font-weight: 800;
      margin-bottom: 5px;
    }

    .stat-box p {
      margin: 0;
      opacity: .82;
    }


    /* =========================
       CTA
    ========================= */

    .cta-box {
      position: relative;
      overflow: hidden;
      padding: 70px;
      border-radius: 28px;
      background: linear-gradient(
        110deg,
        #2a2974,
        #D9AA4B
      );
      color: #fff;
    }

    .cta-box::after {
      content: "";
      position: absolute;
      width: 320px;
      height: 320px;
      right: -100px;
      top: -120px;
      border: 70px solid rgba(255,255,255,.08);
      border-radius: 50%;
    }

    .cta-box h2 {
      max-width: 650px;
      font-size: 42px;
      line-height: 1.2;
      font-weight: 800;
    }

    .cta-box p {
      max-width: 620px;
      color: rgba(255,255,255,.82);
      line-height: 1.7;
      margin: 15px 0 25px;
    }

    .btn-white {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 14px 25px;
      border-radius: 9px;
      background: #fff;
      color: var(--primary);
      font-weight: 800;
    }
 
    /* =========================
       RESPONSIVE
    ========================= */

    @media(max-width: 991px) {

      .hero-content h1 {
        font-size: 48px;
      }

      .featured-content {
        padding-left: 0;
        margin-top: 60px;
      }

      .floating-info {
        right: 20px;
      }

      .featured-content h2 {
        font-size: 36px;
      }

      .section-title h2 {
        font-size: 36px;
      }

    }


    @media(max-width: 767px) {

      .page-hero {
        padding: 80px 0;
      }

      .hero-content h1 {
        font-size: 38px;
      }

      .hero-content p {
        font-size: 16px;
      }

      .section-padding {
        padding: 70px 0;
      }

      .section-title h2 {
        font-size: 31px;
      }

      .service-card {
        padding: 28px;
      }

      .featured-image img {
        height: 420px;
      }

      .featured-content h2 {
        font-size: 31px;
      }

      .stat-box h2 {
        font-size: 32px;
      }

      .cta-box {
        padding: 40px 25px;
      }

      .cta-box h2 {
        font-size: 31px;
      }

    } 
 
    /* =========================
       HERO
    ========================= */

    .page-hero {
      position: relative;
      padding: 115px 0 110px;
      overflow: hidden;
      background:
        radial-gradient(circle at 85% 20%,
          rgba(18, 63, 103, .13),
          transparent 30%),
        linear-gradient(135deg,
          #FAFAF8 0%,
          #EEF2F4 100%);
    }

    .page-hero:before {
      content: "";
      position: absolute;
      width: 380px;
      height: 380px;
      border-radius: 50%;
      background: rgba(18, 63, 103, .05);
      right: -100px;
      top: -120px;
    }

    .page-hero:after {
      content: "";
      position: absolute;
      width: 220px;
      height: 220px;
      border-radius: 50%;
      background: rgba(24, 166, 106, .04);
      left: -80px;
      bottom: -100px;
    }

    .page-hero-content {
      position: relative;
      z-index: 2;
      text-align: center;
    }

    .page-label {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 8px 15px;
      border-radius: 50px;
      background: #fff;
      color: var(--primary);
      font-weight: 700;
      font-size: 13px;
      box-shadow: 0 8px 25px rgba(16, 24, 40, .06);
      margin-bottom: 18px;
    }

    .page-hero h1 {
      font-size: 58px;
      font-weight: 800;
      letter-spacing: -1.5px;
      margin-bottom: 15px;
    }

    .page-hero h1 span {
      color: var(--primary);
    }

    .page-hero p {
      max-width: 680px;
      margin: auto;
      color: var(--text);
      font-size: 17px;
      line-height: 1.7;
    }

    /* =========================
       SOCIAL SECTION
    ========================= */

    .section-padding {
      padding: 100px 0;
    }

    .section-title {
      text-align: center;
      max-width: 700px;
      margin: 0 auto 55px;
    }

    .subtitle {
      color: var(--primary);
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 1.5px;
      font-size: 13px;
    }

    .section-title h2 {
      font-size: 42px;
      line-height: 1.2;
      font-weight: 800;
      margin: 10px 0 15px;
    }

    .section-title p {
      color: var(--text);
      line-height: 1.7;
      margin: 0;
    }

    /* =========================
       SOCIAL CARDS
    ========================= */

    .social-card {
      position: relative;
      height: 100%;
      padding: 32px;
      border: 1px solid var(--border);
      border-radius: 22px;
      background: #fff;
      overflow: hidden;
      transition: .3s;
    }

    .social-card:hover {
      transform: translateY(-8px);
      box-shadow: 0 22px 50px rgba(16, 24, 40, .10);
    }

    .social-card:after {
      content: "";
      position: absolute;
      width: 120px;
      height: 120px;
      border-radius: 50%;
      background: rgba(18, 63, 103, .04);
      right: -45px;
      top: -45px;
    }

    .social-icon {
      width: 64px;
      height: 64px;
      display: flex;
      align-items: center;
      justify-content: center;
      border-radius: 17px;
      font-size: 29px;
      margin-bottom: 23px;
      color: #fff;
      position: relative;
      z-index: 2;
    }

    .facebook {
      background: #1877f2;
    }

    .instagram {
      background: linear-gradient(135deg,
          #833ab4,
          #fd1d1d,
          #fcb045);
    }

    .google {
      background: #fff;
      color: #4285f4;
      border: 1px solid var(--border);
      box-shadow: 0 8px 20px rgba(16, 24, 40, .06);
    }

    .podcast {
      background: #7c3aed;
    }

    .youtube {
      background: #ff0000;
    }

    .video {
      background: var(--primary);
    }

    .social-card h4 {
      font-size: 21px;
      font-weight: 800;
      margin-bottom: 10px;
    }

    .social-card p {
      color: var(--text);
      line-height: 1.7;
      margin-bottom: 22px;
    }

    .social-link {
      display: inline-flex;
      align-items: center;
      gap: 7px;
      color: var(--primary);
      font-weight: 700;
      transition: .3s;
    }

    .social-link:hover {
      gap: 11px;
      color: var(--primary-dark);
    }

    /* =========================
       FEATURED SOCIAL
    ========================= */

    .featured-section {
      background: var(--light);
    }

    .social-banner {
      position: relative;
      overflow: hidden;
      padding: 55px;
      border-radius: 25px;
      background: linear-gradient(110deg,
          #2a2974,
          #D9AA4B);
      color: #fff;
    }

    .social-banner:before {
      content: "";
      position: absolute;
      width: 300px;
      height: 300px;
      border: 65px solid rgba(255, 255, 255, .07);
      border-radius: 50%;
      right: -80px;
      top: -100px;
    }

    .social-banner:after {
      content: "";
      position: absolute;
      width: 170px;
      height: 170px;
      border-radius: 50%;
      background: rgba(255, 255, 255, .05);
      left: -70px;
      bottom: -80px;
    }

    .banner-content {
      position: relative;
      z-index: 2;
    }

    .banner-content h2 {
      font-size: 38px;
      font-weight: 800;
      margin-bottom: 13px;
    }

    .banner-content p {
      max-width: 650px;
      opacity: .85;
      line-height: 1.7;
      margin-bottom: 25px;
    }

    .social-buttons {
      display: flex;
      flex-wrap: wrap;
      gap: 12px;
    }

    .social-btn {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: #fff;
      color: var(--primary);
      padding: 12px 18px;
      border-radius: 9px;
      font-weight: 700;
      transition: .3s;
    }

    .social-btn:hover {
      transform: translateY(-3px);
      color: var(--primary-dark);
    }

    /* =========================
       VIDEO GALLERY
    ========================= */

    .video-card {
      border-radius: 18px;
      overflow: hidden;
      border: 1px solid var(--border);
      background: #fff;
      transition: .3s;
    }

    .video-card:hover {
      transform: translateY(-6px);
      box-shadow: 0 18px 40px rgba(16, 24, 40, .09);
    }

    .video-thumb {
      height: 220px;
      position: relative;
      overflow: hidden;
      background:
        linear-gradient(135deg,
          #E8EEF2,
          #EEF2F4);
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .video-thumb.one {
      background:
        linear-gradient(135deg,
          rgba(18, 63, 103, .9),
          rgba(65, 126, 255, .8));
    }

    .video-thumb.two {
      background:
        linear-gradient(135deg,
          #2a2974,
          #D9AA4B);
    }

    .video-thumb.three {
      background:
        linear-gradient(135deg,
          #153b2b,
          #18a66a);
    }

    .play-button {
      width: 62px;
      height: 62px;
      display: flex;
      align-items: center;
      justify-content: center;
      background: #fff;
      color: var(--primary);
      border-radius: 50%;
      font-size: 24px;
      padding-left: 4px;
      box-shadow: 0 10px 30px rgba(0, 0, 0, .18);
      transition: .3s;
    }

    .video-card:hover .play-button {
      transform: scale(1.08);
    }

    .video-info {
      padding: 22px;
    }

    .video-info h5 {
      font-size: 18px;
      font-weight: 800;
      margin-bottom: 7px;
    }

    .video-info p {
      color: var(--text);
      font-size: 14px;
      margin: 0;
    }
 
    /* =========================
       RESPONSIVE
    ========================= */

    @media(max-width: 991px) {

      .page-hero h1 {
        font-size: 48px;
      }

      .section-title h2 {
        font-size: 36px;
      }

      .social-banner {
        padding: 45px 35px;
      }

    }

    @media(max-width: 767px) {

      .page-hero {
        padding: 80px 0;
      }

      .page-hero h1 {
        font-size: 38px;
      }

      .section-padding {
        padding: 70px 0;
      }

      .section-title {
        margin-bottom: 40px;
      }

      .section-title h2 {
        font-size: 32px;
      }

      .social-card {
        padding: 27px;
      }

      .social-banner {
        padding: 40px 25px;
      }

      .banner-content h2 {
        font-size: 30px;
      }

      .video-thumb {
        height: 200px;
      }

    } 
/* =========================================================
   MONARCH CONSULTANCY BRAND THEME
   Inspired by the supplied visiting card: Navy / Gold / Green
   ========================================================= */
:root {
  --primary: #2a2974;
  --primary-dark: #2a2974;
  --dark: #2a2974;
  --text: #5F6C78;
  --light: #F5F6F7;
  --border: #E3E1DA;
  --white: #FFFFFF;
  --green: #159567;
  --gold: #D9AA4B;
  --gold-dark: #B98A31;
  --navy-soft: #EAF0F4;
  --gold-soft: #FBF5E8;
}

body { background:#fff; color:var(--dark); }
.navbar { background:rgba(255,255,255,.97); border-bottom-color:rgba(18,63,103,.10); }
.navbar-nav .nav-link { color:#2a2974; }
.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active { color:var(--gold-dark); }

.btn-main { background:var(--primary); border-color:var(--primary); color:#fff; box-shadow:0 8px 22px rgba(18,63,103,.12); }
.btn-main:hover { background:var(--gold); border-color:var(--gold); color:var(--primary-dark); }
.btn-outline { color:var(--primary); border-color:rgba(18,63,103,.25); }
.btn-outline:hover { border-color:var(--gold); color:var(--gold-dark); background:var(--gold-soft); }

.section-title .subtitle { color:var(--gold-dark); }
.hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(217,170,75,.18), transparent 30%),
    linear-gradient(135deg, #FAFAF8 0%, #EEF2F4 100%);
}
.hero-shape { background:rgba(18,63,103,.07); }
.hero-badge { color:var(--primary); border:1px solid rgba(217,170,75,.28); }
.hero h1 span { color:var(--gold-dark); }
.floating-icon { background:var(--gold-soft) !important; color:var(--gold-dark) !important; }

.trust-item i { color: #cba465 !important; }

/* Re-map legacy blue utility backgrounds and decorative areas */
.bg-primary, .text-bg-primary { background-color:var(--primary) !important; }
.text-primary { color:var(--primary) !important; }
.border-primary { border-color:var(--primary) !important; }

/* Brand-colored cards, icons and links */
.service-icon, .feature-icon, .contact-icon, .info-icon, .why-icon,
.insurance-icon, .process-icon, .value-icon { color:var(--primary); }
a { color:var(--primary); }
a:hover { color:var(--gold-dark); }

/* Footer: deep Monarch navy with gold/green accents */
footer, .footer { background:#2a2974 !important; }
footer a:hover, .footer a:hover { color:#E4B85C !important; }

/* Soft branded section treatment */
.cta-section, .cta-box { background:linear-gradient(135deg,#2a2974 0%,#2a2974 100%) !important; }

::selection { background:var(--gold); color:var(--primary-dark); }

/* Light-section refinement: visiting-card inspired light gold + light blue */
:root {
  --light: #F7F3E8;
  --border: #E2D9C5;
  --navy-soft: #EAF2F8;
  --gold-soft: #FBF3DF;
}
.hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(217,170,75,.22), transparent 32%),
    linear-gradient(135deg, #FBF3DF 0%, #EAF2F8 100%);
}
.hero-shape { background:rgba(88,151,198,.10); }
section.bg-light, .bg-light { background:linear-gradient(135deg,#FBF3DF 0%,#EAF2F8 100%) !important; }
.services-section, .why-section, .insights-section, .testimonial-section,
.about-section, .contact-section, .social-section {
  background:linear-gradient(135deg,#FBF6E8 0%,#EDF5FA 100%);
}

/* Final refinement: keep light-golden areas, change remaining plain light areas to light blue */
:root {
  --light: #EAF4FB;
  --navy-soft: #EAF4FB;
}
body { background:#F4F9FD; }
.hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(217,170,75,.22), transparent 32%),
    linear-gradient(135deg, #FBF3DF 0%, #EAF4FB 100%);
}
section.bg-light, .bg-light { background:#EAF4FB !important; }
.services-section, .why-section, .insights-section, .testimonial-section,
.about-section, .contact-section, .social-section {
  background:linear-gradient(135deg,#FBF6E8 0%,#EAF4FB 100%);
}
/* Legacy plain light-grey decorative backgrounds become light blue */


/* =========================================================
   MONARCH CENTERED LOGO + FLOATING NAV HEADER
   Inspired by the supplied reference layout; Monarch colors retained.
========================================================= */
.monarch-header {
  background: linear-gradient(180deg, #fbfdff 0%, #f2f7fc 100%);
  position: relative;
  z-index: 1000;
  padding-bottom: 24px;
}

.monarch-topbar {
  background: linear-gradient(90deg, #2a2974 0%, #2a2974 58%, #2a2974 100%);
  color: #fff;
  padding: 9px 0;
  font-size: 13px;
  font-weight: 600;
}

.monarch-topbar i { color: #e2b454; }
.monarch-topbar a { color: #fff; text-decoration: none; white-space: nowrap; }
.monarch-topbar a:hover { color: #f0ca78; }
.topbar-message, .topbar-contact { display: flex; align-items: center; gap: 8px; }
.topbar-contact { gap: 22px; }

.monarch-brand-area {
  text-align: center;
  padding: 25px 15px 19px;
}

.monarch-logo-link { display: inline-block; }
.monarch-main-logo {
  width: min(440px, 84vw);
  max-height: 150px;
  object-fit: contain;
  mix-blend-mode: multiply;
}

.monarch-tagline {
  margin-top: 8px;
  color: #52708a;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 5px;
  text-transform: uppercase;
}

.navbar.monarch-navbar {
  position: relative;
  top: auto;
  padding: 0;
  background: transparent !important;
  border: 0 !important;
  box-shadow: none !important;
  backdrop-filter: none;
}

.monarch-nav-shell {
  width: 100%;
  min-height: 92px;
  padding: 13px 20px 13px 26px;
  display: flex;
  align-items: center;
  background: rgba(255,255,255,.97);
  border: 1px solid rgba(210,174,92,.32);
  border-radius: 24px;
  box-shadow: 0 18px 45px rgba(16,48,77,.10);
}

.monarch-nav-shell .navbar-collapse { width: 100%; }
.monarch-nav-shell .navbar-nav { gap: 5px; }
.monarch-nav-shell .nav-link {
  color: #2a2974 !important;
  font-size: 15px;
  font-weight: 600;
  padding: 11px 18px !important;
  border-radius: 10px;
  transition: .25s ease;
}
.monarch-nav-shell .nav-link:hover,
.monarch-nav-shell .nav-link.active {
  color: #b8872d !important;
  background: #fff8e9;
}

.monarch-meeting-btn {
  margin-left: 18px;
  min-width: 190px;
  border-radius: 13px !important;
  background: linear-gradient(135deg, #2a2974 0%, #2a2974 100%) !important;
  border-color: #2a2974 !important;
  box-shadow: 0 9px 22px rgba(18,63,103,.20) !important;
}
.monarch-meeting-btn:hover {
  background: linear-gradient(135deg, #d6a64a 0%, #efc56f 100%) !important;
  border-color: #d6a64a !important;
  color: #2a2974 !important;
}

@media (max-width: 991.98px) {
  .monarch-topbar .container { justify-content: center !important; text-align: center; }
  .topbar-contact { justify-content: center; flex-wrap: wrap; gap: 8px 16px; }
  .monarch-brand-area { padding: 20px 12px 15px; }
  .monarch-main-logo { width: min(360px, 90vw); }
  .monarch-tagline { letter-spacing: 2.5px; font-size: 10px; }
  .monarch-nav-shell { min-height: 68px; padding: 9px 14px; border-radius: 18px; display:block; }
  .monarch-nav-shell .navbar-toggler { border: 0; color: #2a2974; box-shadow: none; }
  .monarch-nav-shell .navbar-collapse { padding-top: 12px; }
  .monarch-nav-shell .navbar-nav { gap: 2px; }
  .monarch-meeting-btn { margin: 10px 0 5px; width: 100%; }
}

@media (max-width: 575.98px) {
  .topbar-message { display:none; }
  .monarch-topbar { padding: 8px 0; font-size: 11px; }
  .topbar-contact a:nth-child(2) { display:none; }
  .monarch-main-logo { width: min(320px, 92vw); }
  .monarch-tagline { font-size: 9px; letter-spacing: 1.6px; line-height: 1.6; }
  .monarch-header { padding-bottom: 16px; }
}


/* =========================================================
   Requested final dark-blue color: #2a2974
   ========================================================= */
:root {
  --primary: #2a2974;
  --primary-dark: #2a2974;
  --dark: #2a2974;
}
.monarch-topbar,
footer, .footer,
.cta-section, .cta-box,
.monarch-meeting-btn {
  background: #2a2974 !important;
}
.monarch-meeting-btn { border-color:#2a2974 !important; }
.monarch-nav-shell .navbar-toggler { color:#2a2974; }

/* Testimonials + FAQ pages */
.page-hero-simple {
  padding: 72px 0 56px;
  background: linear-gradient(135deg,#FBF3DF 0%,#EAF4FB 100%);
  border-top: 1px solid rgba(42,41,116,.05);
}
.page-hero-simple .section-title { max-width: 760px; margin:0 auto; }
.page-hero-simple h1 { font-family:'Manrope',sans-serif; color:#2a2974; font-size:clamp(38px,5vw,58px); font-weight:800; margin:8px 0 14px; }
.page-hero-simple p { max-width:700px; margin:0 auto; }
.testimonial-section,.faq-section { background:#EAF4FB; }
.testimonial-card-premium {
  background:#fff; border:1px solid rgba(42,41,116,.10); border-radius:22px;
  padding:30px; box-shadow:0 16px 42px rgba(42,41,116,.08); position:relative; overflow:hidden;
}
.testimonial-card-premium::before { content:""; position:absolute; left:0; top:0; width:100%; height:4px; background:linear-gradient(90deg,#D9AA4B,#2a2974); }
.testimonial-stars { color:#D9AA4B; letter-spacing:3px; margin-bottom:15px; }
.testimonial-quote { position:absolute; right:22px; top:22px; font-size:38px; color:rgba(42,41,116,.08); }
.testimonial-card-premium p { color:#5F6C78; line-height:1.8; min-height:115px; }
.testimonial-client { display:flex; align-items:center; gap:12px; margin-top:20px; padding-top:18px; border-top:1px solid #eef1f6; }
.client-avatar { width:48px; height:48px; border-radius:50%; display:grid; place-items:center; background:#FBF3DF; color:#2a2974; font-size:22px; }
.testimonial-client strong { display:block; color:#2a2974; }
.testimonial-client span { display:block; color:#7a8492; font-size:13px; margin-top:2px; }
.monarch-faq { display:flex; flex-direction:column; gap:14px; }
.monarch-faq .accordion-item { border:1px solid rgba(42,41,116,.10); border-radius:16px !important; overflow:hidden; box-shadow:0 10px 30px rgba(42,41,116,.06); background:#fff; }
.monarch-faq .accordion-button { color:#2a2974; font-weight:700; padding:20px 22px; background:#fff; box-shadow:none; }
.monarch-faq .accordion-button:not(.collapsed) { color:#2a2974; background:#FBF3DF; }
.monarch-faq .accordion-button:focus { box-shadow:none; border-color:transparent; }
.monarch-faq .accordion-body { color:#5F6C78; line-height:1.75; padding:20px 22px 22px; }
.faq-help-card { background:#fff; border:1px solid rgba(42,41,116,.10); border-radius:22px; padding:36px; box-shadow:0 16px 42px rgba(42,41,116,.07); }
.faq-help-card>i { font-size:38px; color:#D9AA4B; }
.faq-help-card h3 { color:#2a2974; font-weight:800; margin:12px 0 8px; }
.faq-help-card p { color:#5F6C78; margin-bottom:20px; }
@media (max-width:991.98px){
  .monarch-nav-shell .nav-link { padding:10px 12px !important; }
}


/* =====================================================
   MONARCH FINANCIAL CONSULTANCY - 2026 HOMEPAGE REFRESH
===================================================== */
.monarch-finance-hero .hero-content h1{max-width:760px}
.monarch-finance-hero .hero-content p strong{color:#2a2974}
.brand-signature{margin-top:22px;font-weight:800;color:#2a2974;font-size:18px}
.consultant-hero-image .hero-main-img{object-fit:contain;object-position:center bottom;background:linear-gradient(135deg,#edf6ff,#fff6db)}
.monarch-trust-bar .trust-item{height:100%;justify-content:center;gap:14px;padding:18px}
.monarch-trust-bar .trust-item span{line-height:1.25}
.monarch-trust-bar .trust-item small{font-weight:500;opacity:.8}
.service-journey-grid .insurance-card{position:relative;height:100%}
.service-step{position:absolute;right:20px;top:18px;font-weight:800;font-size:30px;color:rgba(42,41,116,.12)}
.goals-section{background:linear-gradient(135deg,#eef7ff 0%,#fffaf0 100%)}
.goal-cards{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}
.goal-card{background:#fff;border:1px solid rgba(42,41,116,.08);border-radius:18px;padding:26px 16px;text-align:center;box-shadow:0 10px 30px rgba(42,41,116,.06)}
.goal-card i{font-size:34px;color:#d5a43c;display:block;margin-bottom:12px}
.goal-card h5{margin:0;color:#2a2974;font-weight:700;font-size:16px}
.consultant-section{background:#fff}
.consultant-photo{background:linear-gradient(145deg,#edf6ff,#fff3d3);border-radius:30px;min-height:480px;display:flex;align-items:flex-end;justify-content:center;overflow:hidden;position:relative}
.consultant-photo:before{content:"";position:absolute;width:330px;height:330px;border:1px solid rgba(213,164,60,.55);border-radius:50%;top:55px;left:50%;transform:translateX(-50%)}
.consultant-photo img{position:relative;z-index:2;width:100%;max-height:520px;object-fit:contain;object-position:center bottom}
.consultant-role{color:#159567;font-weight:700;margin:10px 0 18px}
.consultant-meta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:22px}
.consultant-meta span{background:#eef7ff;color:#2a2974;padding:10px 14px;border-radius:999px;font-weight:700;font-size:14px}
.consultant-meta i{color:#d5a43c;margin-right:6px}
.about-content blockquote{border-left:4px solid #d5a43c;padding:12px 0 12px 18px;font-size:19px;color:#4d5368;margin:22px 0 28px}
.who-section{background:#f8fbff}
.who-section .value-card{height:100%}
.why-monarch-section{background:#fffaf0}
.why-mini{height:100%;background:#fff;border:1px solid rgba(42,41,116,.09);border-radius:18px;padding:24px;box-shadow:0 10px 30px rgba(42,41,116,.05)}
.why-mini i{font-size:28px;color:#d5a43c}.why-mini h5{color:#2a2974;margin:14px 0 8px}.why-mini p{margin:0;color:#687086;font-size:14px}
.floating-whatsapp{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#25D366;color:#fff!important;font-size:29px;z-index:9999;box-shadow:0 12px 30px rgba(0,0,0,.23);transition:.2s}
.floating-whatsapp:hover{transform:translateY(-3px) scale(1.04)}
.contact-quick-actions{display:flex;gap:10px;flex-wrap:wrap;margin:18px 0 24px}.contact-quick-actions a{display:inline-flex;align-items:center;gap:7px;padding:10px 14px;border-radius:10px;background:#eef7ff;color:#2a2974;font-weight:700}.contact-quick-actions a:nth-child(2){background:#eafff1;color:#137b3d}.contact-quick-actions a:nth-child(3){background:#fff4d9;color:#7f5b16}
@media(max-width:991px){.goal-cards{grid-template-columns:repeat(3,1fr)}}
@media(max-width:575px){.goal-cards{grid-template-columns:repeat(2,1fr)}.consultant-photo{min-height:390px}.floating-whatsapp{width:52px;height:52px;right:16px;bottom:16px}}