/* =========================================================
   Finance Funding Path — stylesheet
   Coastal harbor palette: cerulean, marigold, deep navy, sky
   ========================================================= */
:root {
  --ff-blue: #1b8fd1;
  --ff-blue-d: #126ea4;
  --ff-sky: #e8f4fb;
  --ff-sky-2: #d3ebf8;
  --ff-navy: #023047;
  --ff-navy-2: #0b3f5e;
  --ff-gold: #ffb703;
  --ff-gold-d: #e39f00;
  --ff-text: #4d5f6e;
  --ff-line: #d8e7f0;
  --ff-head: "Sora", system-ui, sans-serif;
  --ff-body: "Mulish", system-ui, -apple-system, "Segoe UI", sans-serif;
}

html { scroll-behavior: smooth; }
body { font-family: var(--ff-body); color: var(--ff-text); background: #fff; font-size: 1.03rem; line-height: 1.75; overflow-x: hidden; }
h1, h2, h3, h4 { font-family: var(--ff-head); color: var(--ff-navy); font-weight: 700; line-height: 1.18; letter-spacing: -0.02em; }
a { color: var(--ff-blue-d); text-decoration: none; transition: color .2s; }
a:hover { color: var(--ff-navy); }
img { max-width: 100%; }
::selection { background: var(--ff-gold); color: var(--ff-navy); }
:focus-visible { outline: 3px solid var(--ff-gold); outline-offset: 2px; }

/* ---------- Photo frames ---------- */
.ph { position: relative; overflow: hidden; background: linear-gradient(135deg, #0b3f5e, #1b8fd1 60%, #ffb703); }
.ph img { display: block; width: 100%; height: 100%; object-fit: cover; }
img.img-missing { opacity: 0; }
.ph:has(img.img-missing)::after { content: "\F42A"; font-family: "bootstrap-icons"; position: absolute; inset: 0; display: grid; place-items: center; font-size: 2.3rem; color: rgba(255,255,255,.55); }

/* ---------- Waves ---------- */
.wave { position: absolute; left: 0; right: 0; bottom: -1px; line-height: 0; pointer-events: none; }
.wave svg { display: block; width: 100%; height: 70px; }
.wave.top { top: -1px; bottom: auto; transform: rotate(180deg); }
.has-wave { position: relative; }

/* ---------- Buttons ---------- */
.btn { border-radius: 50px; font-family: var(--ff-head); font-weight: 600; padding: .78rem 1.6rem; font-size: .95rem; transition: all .25s ease; }
.btn-lg { padding: .95rem 2rem; font-size: 1rem; }
.btn-gold { background: var(--ff-gold); color: var(--ff-navy); border: 2px solid var(--ff-gold); }
.btn-gold:hover, .btn-gold:focus { background: var(--ff-gold-d); border-color: var(--ff-gold-d); color: var(--ff-navy); transform: translateY(-2px); }
.btn-blue { background: var(--ff-blue); color: #fff; border: 2px solid var(--ff-blue); }
.btn-blue:hover, .btn-blue:focus { background: var(--ff-blue-d); border-color: var(--ff-blue-d); color: #fff; transform: translateY(-2px); }
.btn-navy { background: var(--ff-navy); color: #fff; border: 2px solid var(--ff-navy); }
.btn-navy:hover, .btn-navy:focus { background: var(--ff-blue); border-color: var(--ff-blue); color: #fff; }
.btn-outline-navy { background: transparent; color: var(--ff-navy); border: 2px solid var(--ff-navy); }
.btn-outline-navy:hover { background: var(--ff-navy); color: #fff; }
.btn-outline-white { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.55); }
.btn-outline-white:hover { background: #fff; color: var(--ff-navy); border-color: #fff; }

/* ---------- Common ---------- */
.pre { display: inline-flex; align-items: center; gap: .5rem; font-family: var(--ff-head); font-weight: 600; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; color: var(--ff-blue-d); margin-bottom: .9rem; }
.pre .bi { color: var(--ff-gold-d); font-size: 1.05rem; }
.on-navy .pre { color: #8fd0f5; }
.on-navy .pre .bi { color: var(--ff-gold); }
.title { font-size: clamp(2rem, 3.6vw, 2.85rem); margin-bottom: 1rem; }
.title .u { position: relative; color: var(--ff-blue); white-space: nowrap; }
.title .u::after { content: ""; position: absolute; left: 0; right: 0; bottom: -8px; height: 10px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 40 10'%3E%3Cpath d='M0 5 Q10 0 20 5 T40 5' fill='none' stroke='%23ffb703' stroke-width='3'/%3E%3C/svg%3E") repeat-x; background-size: 40px 10px; }
.on-navy .title .u { color: #8fd0f5; }
.lead2 { font-size: 1.1rem; }
.section { padding: 100px 0; }
.section-sm { padding: 64px 0; }
.bg-sky { background: var(--ff-sky); }
.bg-navy { background: var(--ff-navy); color: #b9d0de; }
.bg-navy h2, .bg-navy h3 { color: #fff; }
.center-title { max-width: 720px; margin: 0 auto 3.2rem; text-align: center; }

/* ---------- Top bar ---------- */
.harbor-top { background: var(--ff-navy); color: #b9d0de; font-size: .87rem; padding: .5rem 0; }
.harbor-top a { color: #b9d0de; }
.harbor-top a:hover { color: var(--ff-gold); }
.harbor-top .bi { color: var(--ff-gold); margin-right: .4rem; }

/* ---------- Header ---------- */
.harbor-head { position: sticky; top: 0; z-index: 1030; background: rgba(255,255,255,.97); backdrop-filter: blur(8px); border-bottom: 1px solid var(--ff-line); transition: box-shadow .3s; }
.harbor-head.scrolled { box-shadow: 0 10px 28px rgba(2,48,71,.1); }
.harbor-head .navbar { padding: .9rem 0; }
.brand-logo { display: inline-flex; align-items: center; gap: .6rem; font-family: var(--ff-head); font-weight: 700; font-size: 1.38rem; color: var(--ff-navy); white-space: nowrap; letter-spacing: -0.02em; }
.brand-logo:hover { color: var(--ff-navy); }
.brand-logo .sail { width: 42px; height: 42px; flex: 0 0 42px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-navy); color: var(--ff-gold); font-size: 1.2rem; box-shadow: inset 0 -6px 0 var(--ff-blue); }
.harbor-head .nav-link { font-weight: 700; color: var(--ff-navy); padding: .5rem .9rem !important; position: relative; white-space: nowrap; }
.harbor-head .nav-link::after { content: ""; position: absolute; left: .9rem; right: .9rem; bottom: .1rem; height: 6px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 6'%3E%3Cpath d='M0 3 Q5 0 10 3 T20 3' fill='none' stroke='%23ffb703' stroke-width='2'/%3E%3C/svg%3E") repeat-x; background-size: 20px 6px; opacity: 0; transition: opacity .25s; }
.harbor-head .nav-link:hover, .harbor-head .nav-link.active { color: var(--ff-blue-d); }
.harbor-head .nav-link:hover::after, .harbor-head .nav-link.active::after { opacity: 1; }
.harbor-head .navbar-toggler { border: 0; background: var(--ff-sky); border-radius: 50%; width: 46px; height: 46px; color: var(--ff-navy); font-size: 1.4rem; display: grid; place-items: center; padding: 0; }
@media (min-width: 992px) { .harbor-head .navbar-toggler { display: none; } }
.harbor-head .navbar-toggler:focus { box-shadow: 0 0 0 3px rgba(27,143,209,.3); }
@media (max-width: 991.98px) {
  .harbor-head .navbar-collapse { padding: .8rem 0 .5rem; }
  .harbor-head .nav-link::after { right: auto; width: 40px; }
}
@media (max-width: 400px) { .brand-logo { font-size: 1.12rem; } .brand-logo .sail { width: 36px; height: 36px; flex-basis: 36px; } }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(180deg, #e8f4fb 0%, #d3ebf8 100%); padding: 80px 0 150px; overflow: hidden; }
.hero h1 { font-size: clamp(2.4rem, 4.8vw, 3.9rem); margin-bottom: 1.2rem; }
.hero h1 span { color: var(--ff-blue); }
.hero .lead2 { max-width: 540px; }
.finder { background: #fff; border-radius: 22px; padding: 1.5rem; box-shadow: 0 20px 44px rgba(2,48,71,.12); max-width: 540px; margin-top: 2rem; border-top: 5px solid var(--ff-gold); }
.finder h2 { font-size: 1.1rem; margin-bottom: .2rem; display: flex; align-items: center; gap: .5rem; }
.finder h2 .bi { color: var(--ff-blue); }
.finder p { font-size: .9rem; margin-bottom: .9rem; }
.finder .form-select { border-radius: 50px; border: 2px solid var(--ff-line); padding: .7rem 1.1rem; font-weight: 600; color: var(--ff-navy); }
.finder .form-select:focus { border-color: var(--ff-blue); box-shadow: 0 0 0 3px rgba(27,143,209,.2); }
.porthole { position: relative; max-width: 470px; margin-left: auto; }
.porthole .ring { border-radius: 50%; padding: 16px; background: #fff; box-shadow: 0 0 0 10px var(--ff-navy), 0 30px 60px rgba(2,48,71,.25); }
.porthole .ph { border-radius: 50%; aspect-ratio: 1; }
.porthole .bolt { position: absolute; width: 14px; height: 14px; border-radius: 50%; background: var(--ff-gold); }
.porthole .b1 { top: 6%; left: 50%; transform: translateX(-50%); }
.porthole .b2 { bottom: 6%; left: 50%; transform: translateX(-50%); }
.porthole .b3 { left: 6%; top: 50%; transform: translateY(-50%); }
.porthole .b4 { right: 6%; top: 50%; transform: translateY(-50%); }
.porthole .float { position: absolute; left: -30px; bottom: 30px; background: var(--ff-navy); color: #fff; border-radius: 18px; padding: .9rem 1.1rem; display: flex; gap: .7rem; align-items: center; box-shadow: 0 18px 36px rgba(2,48,71,.3); font-size: .9rem; line-height: 1.35; }
.porthole .float .bi { font-size: 1.6rem; color: var(--ff-gold); }
.porthole .float b { display: block; font-family: var(--ff-head); }
@media (max-width: 991.98px) { .hero { padding: 50px 0 120px; } .porthole { margin: 3rem auto 0; max-width: 360px; } .porthole .float { left: 0; } }
@media (max-width: 575.98px) { .porthole { max-width: 300px; } }

/* ---------- Highlights ---------- */
.hi-card { background: #fff; border-radius: 20px; padding: 1.8rem; height: 100%; border: 1px solid var(--ff-line); transition: transform .3s, box-shadow .3s; }
.hi-card:hover { transform: translateY(-6px); box-shadow: 0 22px 46px rgba(2,48,71,.1); }
.hi-card .ic { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-sky); color: var(--ff-blue); font-size: 1.5rem; margin-bottom: 1rem; box-shadow: inset 0 -5px 0 var(--ff-sky-2); }
.hi-card h3 { font-size: 1.18rem; }
.hi-card p { margin: 0; font-size: .96rem; }

/* ---------- Service cards (overlap) ---------- */
.svc-tile { height: 100%; display: flex; flex-direction: column; }
.svc-tile .ph { border-radius: 22px; aspect-ratio: 16 / 11; }
.svc-tile .ph img { transition: transform .6s; }
.svc-tile:hover .ph img { transform: scale(1.06); }
.svc-tile .card-b { background: #fff; border-radius: 20px; margin: -60px 16px 0; padding: 2.2rem 1.5rem 1.6rem; position: relative; box-shadow: 0 20px 44px rgba(2,48,71,.1); flex: 1; display: flex; flex-direction: column; }
.svc-tile .ic { position: absolute; top: -28px; left: 1.5rem; width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-gold); color: var(--ff-navy); font-size: 1.4rem; border: 4px solid #fff; }
.svc-tile h3 { font-size: 1.3rem; }
.svc-tile p { flex: 1; font-size: .97rem; }
.svc-tile .btn { align-self: flex-start; }

/* ---------- About ---------- */
.about-photos { position: relative; padding: 0 0 60px 60px; }
.about-photos .a { border-radius: 26px; aspect-ratio: 5 / 4; }
.about-photos .b { position: absolute; left: 0; bottom: 0; width: 44%; aspect-ratio: 1; border-radius: 50%; border: 8px solid #fff; box-shadow: 0 0 0 4px var(--ff-blue); }
.about-photos .tag { position: absolute; right: 18px; top: 18px; background: var(--ff-gold); color: var(--ff-navy); font-family: var(--ff-head); font-weight: 700; border-radius: 40px; padding: .55rem 1.1rem; }
.about-photos .tag .bi { margin-right: .3rem; }
@media (max-width: 575.98px) { .about-photos { padding: 0 0 50px 24px; } }
.anchor-list { list-style: none; padding: 0; margin: 1.5rem 0 2rem; }
.anchor-list li { display: flex; gap: .9rem; margin-bottom: 1rem; }
.anchor-list .bi { flex: 0 0 40px; width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-navy); color: var(--ff-gold); }
.anchor-list strong { display: block; font-family: var(--ff-head); color: var(--ff-navy); }
.anchor-list span { font-size: .95rem; }

/* ---------- Borrow calculator ---------- */
.calc-sec { padding: 150px 0; }
.borrow-card { background: #fff; border-radius: 26px; overflow: hidden; box-shadow: 0 30px 60px rgba(0,0,0,.25); }
.borrow-in { padding: 2.4rem; }
.borrow-in .form-label { font-family: var(--ff-head); font-weight: 600; color: var(--ff-navy); font-size: .88rem; }
.borrow-in .form-control, .borrow-in .form-select, .borrow-in .input-group-text { border-radius: 12px; border-color: var(--ff-line); padding: .7rem .9rem; }
.borrow-in .input-group > .form-control:not(:first-child) { border-top-left-radius: 0; border-bottom-left-radius: 0; }
.borrow-in .input-group > .form-control:not(:last-child) { border-top-right-radius: 0; border-bottom-right-radius: 0; }
.borrow-in .input-group > .input-group-text:first-child { border-top-right-radius: 0; border-bottom-right-radius: 0; }
.borrow-in .input-group > .input-group-text:last-child { border-top-left-radius: 0; border-bottom-left-radius: 0; }
.borrow-in .input-group-text { background: var(--ff-sky); color: var(--ff-blue-d); font-weight: 700; }
.borrow-in .form-control:focus, .borrow-in .form-select:focus { border-color: var(--ff-blue); box-shadow: 0 0 0 3px rgba(27,143,209,.2); }
.borrow-out { background: linear-gradient(160deg, var(--ff-blue), var(--ff-blue-d)); color: #e2f3fd; padding: 2.4rem; height: 100%; display: flex; flex-direction: column; justify-content: center; }
.borrow-out small { display: block; text-transform: uppercase; letter-spacing: .1em; font-size: .74rem; font-weight: 800; }
.borrow-out .max { font-family: var(--ff-head); font-size: 2.8rem; color: #fff; line-height: 1.1; margin: .3rem 0 1.2rem; word-break: break-word; }
.borrow-out .row-v { display: flex; justify-content: space-between; gap: 1rem; padding: .6rem 0; border-top: 1px solid rgba(255,255,255,.25); }
.borrow-out .row-v b { font-family: var(--ff-head); color: #fff; }
.borrow-note { font-size: .93rem; margin: 1rem 0 0; color: #fff; }
@media (max-width: 575.98px) { .borrow-in, .borrow-out { padding: 1.6rem 1.2rem; } .borrow-out .max { font-size: 2.2rem; } }

/* ---------- Route (process) ---------- */
.route { position: relative; }
@media (min-width: 992px) { .route::before { content: ""; position: absolute; left: 12%; right: 12%; top: 34px; height: 12px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 40 12'%3E%3Cpath d='M0 6 Q10 0 20 6 T40 6' fill='none' stroke='%231b8fd1' stroke-width='2' stroke-dasharray='4 4'/%3E%3C/svg%3E") repeat-x; background-size: 40px 12px; opacity: .6; } }
.route-step { text-align: center; position: relative; }
.route-step .buoy { width: 80px; height: 80px; margin: 0 auto 1.2rem; border-radius: 50%; display: grid; place-items: center; background: #fff; color: var(--ff-blue); font-size: 1.8rem; border: 4px solid var(--ff-blue); position: relative; box-shadow: 0 0 0 8px var(--ff-sky); }
.route-step .buoy span { position: absolute; top: -8px; right: -8px; width: 30px; height: 30px; border-radius: 50%; background: var(--ff-gold); color: var(--ff-navy); font: 800 .82rem/30px var(--ff-head); }
.route-step h3 { font-size: 1.22rem; }
.route-step p { margin: 0; font-size: .96rem; }

/* ---------- Testimonials carousel ---------- */
.testi-wrap { max-width: 860px; margin: 0 auto; }
.testi { background: #fff; border-radius: 26px; padding: 3rem 3rem 2.4rem; text-align: center; box-shadow: 0 24px 50px rgba(2,48,71,.1); position: relative; }
.testi .q { width: 64px; height: 64px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-gold); color: var(--ff-navy); font-size: 1.8rem; margin: -80px auto 1.2rem; border: 6px solid var(--ff-sky); }
.testi blockquote { font-family: var(--ff-head); font-weight: 500; font-size: clamp(1.15rem, 2.2vw, 1.5rem); color: var(--ff-navy); line-height: 1.55; margin: 0 0 1.4rem; }
.testi .who { font-weight: 800; color: var(--ff-blue-d); letter-spacing: .04em; }
.testi .stars { color: var(--ff-gold-d); letter-spacing: 3px; margin-bottom: .4rem; }
.testi-wrap .carousel-item { padding-top: 40px; }
.testi-wrap .carousel-indicators { position: static; margin: 1.8rem 0 0; }
.testi-wrap .carousel-indicators [data-bs-target] { width: 12px; height: 12px; border-radius: 50%; background: var(--ff-navy); border: 0; opacity: .25; }
.testi-wrap .carousel-indicators .active { background: var(--ff-blue); opacity: 1; }
.testi-nav { display: flex; justify-content: center; gap: .6rem; margin-top: 1rem; }
.testi-nav button { width: 46px; height: 46px; border-radius: 50%; border: 2px solid var(--ff-navy); background: transparent; color: var(--ff-navy); font-size: 1.1rem; }
.testi-nav button:hover { background: var(--ff-navy); color: #fff; }
@media (max-width: 575.98px) { .testi { padding: 2.4rem 1.4rem 2rem; } }

/* ---------- Blog cards ---------- */
.guide-card { display: flex; flex-direction: column; height: 100%; background: #fff; border-radius: 22px; overflow: hidden; border: 1px solid var(--ff-line); color: var(--ff-text); transition: transform .3s, box-shadow .3s; }
.guide-card:hover { transform: translateY(-6px); box-shadow: 0 24px 50px rgba(2,48,71,.1); }
.guide-card .ph { aspect-ratio: 16 / 10; }
.guide-card .ph img { transition: transform .6s; }
.guide-card:hover .ph img { transform: scale(1.06); }
.guide-card .txt { padding: 1.6rem; display: flex; flex-direction: column; flex: 1; }
.guide-card .chip { align-self: flex-start; background: var(--ff-sky); color: var(--ff-blue-d); font-family: var(--ff-head); font-weight: 600; font-size: .76rem; padding: .3rem .8rem; border-radius: 40px; margin-bottom: .8rem; }
.guide-card h3 { font-size: 1.28rem; }
.guide-card p { flex: 1; }
.sail-on { font-family: var(--ff-head); font-weight: 600; color: var(--ff-blue-d); }
.sail-on .bi { margin-left: .3rem; transition: margin .2s; }
a:hover .sail-on .bi { margin-left: .6rem; }

/* ---------- FAQ ---------- */
.faq-ff .accordion-item { border: 0; border-radius: 16px !important; margin-bottom: .8rem; overflow: hidden; background: #fff; box-shadow: 0 6px 18px rgba(2,48,71,.06); }
.faq-ff .accordion-button { font-family: var(--ff-head); font-weight: 600; font-size: 1.02rem; color: var(--ff-navy); padding: 1.15rem 1.3rem; background: #fff; box-shadow: none; }
.faq-ff .accordion-button:not(.collapsed) { background: var(--ff-navy); color: #fff; }
.faq-ff .accordion-button:not(.collapsed)::after { filter: brightness(0) invert(1); }
.faq-ff .accordion-button:focus { box-shadow: 0 0 0 3px rgba(27,143,209,.25); }
.faq-ff .accordion-body { padding: 1rem 1.3rem 1.3rem; }

/* ---------- Newsletter ---------- */
.news-gold { background: var(--ff-gold); border-radius: 28px; overflow: hidden; position: relative; }
.news-gold .inner { padding: 3.2rem; position: relative; z-index: 1; }
.news-gold h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); }
.news-gold p { color: var(--ff-navy); }
.news-gold .pre { color: var(--ff-navy); }
.news-gold .pre .bi { color: var(--ff-navy); }
.news-gold .ph { height: 100%; min-height: 280px; }
.news-gold .form-control { border: 0; border-radius: 50px; padding: .85rem 1.2rem; }
.news-gold .form-control:focus { box-shadow: 0 0 0 3px var(--ff-navy); }
@media (max-width: 575.98px) { .news-gold .inner { padding: 2rem 1.3rem; } }

/* ---------- CTA ---------- */
.cta-navy { background: var(--ff-navy); color: #b9d0de; padding: 140px 0 90px; }
.cta-navy h2 { color: #fff; font-size: clamp(1.8rem, 3.4vw, 2.7rem); }

/* ---------- Inner page banner ---------- */
.page-sky { background: linear-gradient(180deg, #e8f4fb 0%, #d3ebf8 100%); padding: 60px 0 130px; }
.page-sky h1 { font-size: clamp(2.2rem, 4.4vw, 3.4rem); }
.page-sky.post h1 { font-size: clamp(1.8rem, 3.4vw, 2.6rem); }
.page-sky .mini-porthole { border-radius: 50%; padding: 10px; background: #fff; box-shadow: 0 0 0 7px var(--ff-navy), 0 20px 40px rgba(2,48,71,.2); max-width: 280px; margin-left: auto; }
.page-sky .mini-porthole .ph { border-radius: 50%; aspect-ratio: 1; }
.crumbs { display: flex; flex-wrap: wrap; gap: .5rem; align-items: center; font-weight: 700; font-size: .9rem; margin-bottom: 1rem; }
.crumbs .bi { color: var(--ff-gold-d); font-size: .7rem; }
.crumbs .cur { color: var(--ff-navy); }

/* ---------- Services page ---------- */
.svc-detail { background: #fff; border-radius: 26px; padding: 1.2rem; border: 1px solid var(--ff-line); margin-bottom: 1.8rem; scroll-margin-top: 110px; }
.svc-detail .ph { border-radius: 18px; height: 100%; min-height: 280px; }
.svc-detail .txt { padding: 1.4rem 1.6rem; }
.svc-detail .ic { width: 52px; height: 52px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-gold); color: var(--ff-navy); font-size: 1.35rem; margin-bottom: .9rem; }
.svc-detail h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); }
.wave-list { list-style: none; padding: 0; margin: 1rem 0 1.6rem; }
.wave-list li { position: relative; padding-left: 1.9rem; margin-bottom: .5rem; color: var(--ff-navy); }
.wave-list li::before { content: "\F26E"; font-family: "bootstrap-icons"; position: absolute; left: 0; top: 0; width: 22px; height: 22px; margin-top: .25rem; border-radius: 50%; background: var(--ff-sky); color: var(--ff-blue-d); display: grid; place-items: center; font-size: .85rem; line-height: 1; }

/* ---------- Values ---------- */
.val-tile { background: var(--ff-navy-2); border-radius: 20px; padding: 2rem 1.6rem; height: 100%; text-align: center; }
.val-tile .bi { width: 60px; height: 60px; border-radius: 50%; display: inline-grid; place-items: center; background: var(--ff-gold); color: var(--ff-navy); font-size: 1.5rem; margin-bottom: 1rem; }
.val-tile h3 { font-size: 1.2rem; }
.val-tile p { margin: 0; font-size: .95rem; }
.mv-tile { background: #fff; border-radius: 22px; padding: 2.4rem; height: 100%; border: 1px solid var(--ff-line); border-bottom: 5px solid var(--ff-blue); }
.mv-tile h3 { font-size: 1.55rem; }

/* ---------- Article ---------- */
.post-photo { border-radius: 24px; aspect-ratio: 2 / 1; margin-bottom: 2.4rem; }
.post-text { font-size: 1.08rem; color: #3f505e; }
.post-text p { margin-bottom: 1.35rem; }
.post-text h2 { font-size: 1.7rem; margin: 2.2rem 0 1rem; }
.post-text .harbor-note { background: var(--ff-sky); border-radius: 20px; padding: 1.5rem 1.6rem 1.5rem 4.4rem; margin: 2rem 0; position: relative; font-family: var(--ff-head); font-weight: 500; font-size: 1.12rem; color: var(--ff-navy); line-height: 1.55; }
.post-text .harbor-note::before { content: "\F467"; font-family: "bootstrap-icons"; position: absolute; left: 1.3rem; top: 1.35rem; width: 38px; height: 38px; border-radius: 50%; background: var(--ff-gold); color: var(--ff-navy); display: grid; place-items: center; font-size: 1.05rem; }
.post-pager { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-top: 2.4rem; }
.side-panel { background: var(--ff-sky); border-radius: 20px; padding: 1.6rem; margin-bottom: 1.5rem; }
.side-panel h3 { font-size: 1.15rem; margin-bottom: 1rem; }
.side-panel .sp { display: flex; gap: .9rem; align-items: center; margin-bottom: 1rem; }
.side-panel .sp:last-child { margin-bottom: 0; }
.side-panel .sp .ph { flex: 0 0 76px; width: 76px; height: 76px; border-radius: 50%; }
.side-panel .sp a { font-family: var(--ff-head); font-weight: 600; color: var(--ff-navy); line-height: 1.35; font-size: .95rem; }
.side-panel .sp a:hover { color: var(--ff-blue-d); }
.side-panel ul { list-style: none; padding: 0; margin: 0; }
.side-panel ul a { display: flex; justify-content: space-between; align-items: center; padding: .55rem .8rem; border-radius: 12px; color: var(--ff-text); font-weight: 700; }
.side-panel ul a:hover { background: #fff; color: var(--ff-blue-d); }
.side-panel.navy { background: var(--ff-navy); color: #b9d0de; }
.side-panel.navy h3 { color: #fff; }

/* ---------- Forms ---------- */
.form-card { background: #fff; border-radius: 26px; padding: 2.6rem; border: 1px solid var(--ff-line); box-shadow: 0 24px 50px rgba(2,48,71,.06); }
.form-card .form-label { font-family: var(--ff-head); font-weight: 600; color: var(--ff-navy); font-size: .9rem; }
.form-card .form-control, .form-card .form-select { border-radius: 14px; border: 1px solid var(--ff-line); padding: .75rem 1rem; background-color: #f8fbfd; }
.form-card .form-control:focus, .form-card .form-select:focus { border-color: var(--ff-blue); box-shadow: 0 0 0 3px rgba(27,143,209,.18); background-color: #fff; }
.form-check-input:checked { background-color: var(--ff-blue); border-color: var(--ff-blue); }
.form-check-input:focus { box-shadow: 0 0 0 3px rgba(27,143,209,.25); border-color: var(--ff-blue); }
@media (max-width: 575.98px) { .form-card { padding: 1.7rem 1.2rem; } }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { display: none; margin-top: 1rem; padding: .85rem 1.1rem; border-radius: 14px; font-weight: 700; font-size: .95rem; }
.form-status.show { display: block; }
.form-status.success { background: #e3f6ea; color: #17603a; border: 1px solid #bce6cb; }
.form-status.error { background: #fde8e6; color: #9b2417; border: 1px solid #f6c2bc; }
.spinner-border { width: 1rem; height: 1rem; border-width: .15em; margin-right: .5rem; vertical-align: -2px; }

/* ---------- Contact ---------- */
.contact-tile { background: #fff; border-radius: 22px; padding: 1.8rem; height: 100%; border: 1px solid var(--ff-line); display: flex; gap: 1rem; align-items: flex-start; }
.contact-tile .bi { flex: 0 0 54px; width: 54px; height: 54px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-navy); color: var(--ff-gold); font-size: 1.3rem; }
.contact-tile h3 { font-size: 1.12rem; margin-bottom: .2rem; }
.contact-tile p, .contact-tile a { margin: 0; color: var(--ff-text); font-weight: 600; overflow-wrap: anywhere; }
.contact-tile a:hover { color: var(--ff-blue-d); }
.map-round { border-radius: 26px; overflow: hidden; border: 1px solid var(--ff-line); height: 100%; min-height: 420px; background: var(--ff-sky); }
.map-round iframe { display: block; width: 100%; height: 100%; min-height: 420px; border: 0; }

/* ---------- Legal ---------- */
.legal-nav { position: sticky; top: 110px; background: var(--ff-sky); border-radius: 20px; padding: 1.5rem; }
.legal-nav h2 { font-size: 1.02rem; margin-bottom: .8rem; }
.legal-nav a { display: block; padding: .38rem .7rem; border-radius: 10px; color: var(--ff-text); font-weight: 700; font-size: .92rem; }
.legal-nav a:hover { background: #fff; color: var(--ff-blue-d); }
@media (max-width: 1199.98px) { .legal-nav { position: static; } }
.legal-body h2 { font-size: 1.4rem; margin: 2.2rem 0 .8rem; scroll-margin-top: 110px; }
.legal-body h2:first-child { margin-top: 0; }
.legal-body h2 .n { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--ff-navy); color: var(--ff-gold); font-size: .82rem; margin-right: .7rem; vertical-align: 4px; }

/* ---------- Footer ---------- */
.footer { background: var(--ff-navy); color: #9fbacb; padding: 40px 0 0; }
.footer .brand-logo { color: #fff; }
.footer .brand-logo .sail { background: var(--ff-blue); box-shadow: inset 0 -6px 0 var(--ff-blue-d); }
.footer h4 { color: #fff; font-size: 1.1rem; margin-bottom: 1.2rem; }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer li { margin-bottom: .6rem; }
.footer a { color: #9fbacb; }
.footer a:hover { color: var(--ff-gold); }
.footer .cl { display: flex; gap: .7rem; }
.footer .cl .bi { color: var(--ff-gold); }
.footer .cl a, .footer .cl span { overflow-wrap: anywhere; min-width: 0; }
.footer .form-control { background: var(--ff-navy-2); border: 1px solid #1d5578; color: #fff; border-radius: 50px; padding: .7rem 1.1rem; }
.footer .form-control::placeholder { color: #7f9fb2; }
.footer .form-control:focus { border-color: var(--ff-gold); box-shadow: none; }
.footer-bottom { border-top: 1px solid #12496a; margin-top: 60px; padding: 1.4rem 0; font-size: .9rem; }

/* ---------- Back to top ---------- */
.to-top { position: fixed; right: 22px; bottom: 22px; width: 50px; height: 50px; border-radius: 50%; border: 0; background: var(--ff-gold); color: var(--ff-navy); font-size: 1.3rem; z-index: 1040; box-shadow: 0 10px 24px rgba(2,48,71,.25); opacity: 0; visibility: hidden; transform: translateY(14px); transition: all .3s; }
.to-top.show { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--ff-navy); color: var(--ff-gold); }

/* ---------- Reveal ---------- */
.wave-in { opacity: 0; transform: translateY(28px); transition: opacity .75s ease, transform .75s ease; }
.wave-in.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .wave-in { opacity: 1; transform: none; transition: none; } }

@media (max-width: 767.98px) {
  .section { padding: 70px 0; }
  .calc-sec { padding: 110px 0; }
  .g-5 { --bs-gutter-x: 1.5rem; }
  .wave svg { height: 40px; }
}