:root {
  --solemn-red: #d62828;
  --solemn-red-dark: #a61e1e;
  --solemn-gold: #f5b942;
  --charcoal: #111827;
  --slate: #475569;
  --soft: #f8fafc;
  --white: #ffffff;
  --border: rgba(17, 24, 39, 0.08);
  --shadow: 0 30px 70px rgba(15, 23, 42, 0.12);
  --radius-xl: 28px;
  --radius-lg: 22px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  overflow-y: scroll;
  scrollbar-gutter: stable;
}

body {
  margin: 0;
  font-family: 'Poppins', sans-serif;
  color: var(--charcoal);
  background: linear-gradient(180deg, #fcfeff 0%, #f7f9fc 100%);
  line-height: 1.6;
}

body.overflow-hidden {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

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

button,
input,
select {
  font: inherit;
}

main {
  overflow: hidden;
}

.section-shell {
  width: min(1200px, calc(100% - 2rem));
  margin: 0 auto;
}

.section-title {
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 700;
  margin-bottom: 0.8rem;
  letter-spacing: -0.03em;
}

.section-copy {
  color: var(--slate);
  max-width: 720px;
  margin: 0 auto 2rem;
}

.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0;
  z-index: 1200;
  background: linear-gradient(90deg, var(--solemn-red), var(--solemn-gold));
  box-shadow: 0 0 18px rgba(214, 40, 40, 0.3);
}

.page-loader {
  position: fixed;
  inset: 0;
  z-index: 1400;
  background: radial-gradient(circle at top right, rgba(245, 185, 66, 0.24), transparent 28%), linear-gradient(135deg, #fffdf8 0%, #f8fbff 100%);
  display: grid;
  place-items: center;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}

.page-loader.is-hidden {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.loader-shell {
  width: min(340px, calc(100% - 2rem));
  padding: 2rem;
  border-radius: 28px;
  border: 1px solid rgba(255,255,255,0.7);
  background: rgba(255,255,255,0.82);
  -webkit-backdrop-filter: blur(20px);
  backdrop-filter: blur(20px);
  box-shadow: var(--shadow);
  text-align: center;
}

.loader-logo {
  width: 72px;
  height: 72px;
  border-radius: 24px;
  margin: 0 auto 1rem;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, var(--solemn-red), var(--solemn-gold));
  color: white;
  font-weight: 700;
  font-size: 1.2rem;
}

.loader-bar {
  height: 8px;
  border-radius: 999px;
  background: rgba(17, 24, 39, 0.08);
  overflow: hidden;
  margin-top: 1rem;
}

.loader-progress {
  height: 100%;
  width: 0;
  background: linear-gradient(90deg, var(--solemn-red), var(--solemn-gold));
}

.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.72);
  -webkit-backdrop-filter: blur(18px);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(255,255,255,0.6);
  transition: box-shadow 0.25s ease, padding 0.25s ease, background 0.25s ease;
}

.navbar.is-scrolled {
  box-shadow: 0 12px 40px rgba(15, 23, 42, 0.08);
  padding: 0.5rem 0;
}

.navbar .logo a {
  display: inline-flex;
  align-items: center;
  gap: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.navbar .logo img {
  width: 44px;
  height: 44px;
  border-radius: 14px;
}

.navbar .nav-links a {
  transition: color 0.2s ease, transform 0.2s ease;
}

.navbar .nav-links a:hover {
  color: var(--solemn-red);
  transform: translateY(-1px);
}

.navbar .actions button,
.btn-primary,
.btn-secondary,
.btn-glow {
  border: none;
  border-radius: 999px;
  padding: 0.8rem 1.2rem;
  font-weight: 600;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.btn-primary,
.btn-glow {
  background: linear-gradient(135deg, var(--solemn-red), #ff6b6b);
  color: white;
  box-shadow: 0 16px 35px rgba(214, 40, 40, 0.24);
}

.btn-secondary {
  background: rgba(255,255,255,0.8);
  color: var(--charcoal);
  border: 1px solid rgba(17,24,39,0.08);
}

.btn-primary:hover,
.btn-secondary:hover,
.btn-glow:hover,
.navbar .actions button:hover {
  transform: translateY(-2px);
}

.hero-section {
  position: relative;
  padding: 5rem 0 4rem;
}

.landing-shell {
  padding-bottom: 1rem;
}

.landing-section {
  padding: 2.25rem 0 0;
}

.section-heading {
  margin-bottom: 1.4rem;
}

.section-heading h2 {
  font-size: clamp(1.55rem, 2.3vw, 2.2rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  margin-bottom: 0.3rem;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.24em;
  font-weight: 700;
  color: var(--solemn-red);
  margin-bottom: 0.8rem;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2rem;
  align-items: center;
}

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

.hero-copy h1 {
  font-size: clamp(2.3rem, 4.8vw, 4.4rem);
  line-height: 1.08;
  letter-spacing: -0.05em;
  margin-bottom: 1rem;
  font-weight: 800;
}

.hero-copy p {
  font-size: 1.05rem;
  color: var(--slate);
  max-width: 640px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  margin-top: 1.35rem;
}

.btn-outline {
  border: 1px solid rgba(17,24,39,0.08);
  background: rgba(255,255,255,0.8);
  color: var(--charcoal);
  border-radius: 999px;
  padding: 0.84rem 1.2rem;
  font-weight: 600;
}

.hero-panel {
  position: relative;
  padding: 1rem;
  border-radius: 32px;
  background: linear-gradient(145deg, rgba(255,255,255,0.96), rgba(248,250,252,0.92));
  border: 1px solid rgba(255,255,255,0.75);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.brand-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1rem;
}

.brand-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0.65rem 0.9rem;
  border-radius: 999px;
  background: rgba(255,255,255,0.85);
  border: 1px solid rgba(17,24,39,0.06);
  color: var(--slate);
  font-weight: 600;
}

.brand-pill i {
  color: var(--solemn-red);
}

.metric-stack {
  display: grid;
  gap: 0.75rem;
  margin-top: 1.5rem;
}

.metric-card {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.9rem 1rem;
  border-radius: 20px;
  background: rgba(255,255,255,0.86);
  border: 1px solid rgba(17,24,39,0.06);
}

.metric-card strong {
  font-size: 1.05rem;
}

.hero-card-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.85rem;
}

.status-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.45rem 0.7rem;
  border-radius: 999px;
  background: rgba(214,40,40,0.1);
  color: var(--solemn-red);
  font-weight: 700;
  font-size: 0.85rem;
}

.text-muted {
  color: var(--slate);
  font-size: 0.92rem;
}

.panel-glow {
  position: absolute;
  inset: auto -20px -30px auto;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(245,185,66,0.22), transparent 72%);
  pointer-events: none;
}

.dashboard-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin: 0.8rem 0 1rem;
  gap: 1rem;
}

.dashboard-row h3 {
  margin: 0.2rem 0 0;
  font-size: 1.35rem;
}

.pill-btn {
  border: none;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--solemn-red), var(--solemn-gold));
  color: white;
  padding: 0.6rem 0.9rem;
  font-weight: 700;
}

.dashboard-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.8rem;
}

.mini-card {
  padding: 0.9rem;
  border-radius: 18px;
  background: rgba(248,250,252,0.95);
  border: 1px solid rgba(17,24,39,0.05);
}

.mini-card.accent {
  background: linear-gradient(135deg, rgba(214,40,40,0.14), rgba(245,185,66,0.12));
}

.mini-card p {
  margin: 0 0 0.3rem;
  color: var(--slate);
  font-size: 0.9rem;
}

.mini-card strong {
  font-size: 1.05rem;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1rem;
}

.trust-row > div {
  flex: 1 1 180px;
  padding: 0.8rem 0.95rem;
  border-radius: 16px;
  background: rgba(248,250,252,0.9);
  border: 1px solid rgba(17,24,39,0.06);
}

.trust-row .label,
.calculator-results .label,
.hero-panel .label {
  margin: 0 0 0.25rem;
  color: var(--slate);
  font-size: 0.84rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
}

.insight-section {
  padding: 0.6rem 0 0;
}

.insight-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 1rem;
}

.insight-card {
  padding: 1.3rem;
  border-radius: 24px;
  background: rgba(255,255,255,0.86);
  border: 1px solid rgba(17,24,39,0.06);
  box-shadow: 0 18px 40px rgba(15,23,42,0.07);
}

.insight-list {
  display: grid;
  gap: 0.75rem;
  color: var(--slate);
}

.insight-list i {
  color: var(--solemn-red);
  margin-right: 0.45rem;
}

.calculator-shell {
  display: grid;
  gap: 1.2rem;
  grid-template-columns: 1.05fr 0.95fr;
}

.calculator-card {
  padding: 1.4rem;
  border-radius: 24px;
  background: rgba(255,255,255,0.92);
  border: 1px solid rgba(17,24,39,0.06);
  box-shadow: 0 20px 50px rgba(15,23,42,0.08);
}

.calculator-card input {
  width: 100%;
  margin: 0.4rem 0 0.95rem;
  border: 1px solid rgba(17,24,39,0.08);
  background: rgba(248,250,252,0.85);
  border-radius: 16px;
  padding: 0.9rem 1rem;
}

.calculator-card.highlight {
  background: linear-gradient(135deg, rgba(214,40,40,0.08), rgba(245,185,66,0.08));
}

.calculator-results {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 0.8rem;
}

.calculator-results > div {
  flex: 1 1 180px;
  padding: 0.9rem;
  border-radius: 16px;
  background: rgba(255,255,255,0.84);
  border: 1px solid rgba(17,24,39,0.06);
}

.faq-shell {
  padding: 1.2rem 0;
}

.faq-list {
  display: grid;
  gap: 0.85rem;
  margin-top: 1rem;
}

.faq-item {
  padding: 1rem 1.2rem;
  border-radius: 18px;
  background: rgba(255,255,255,0.92);
  border: 1px solid rgba(17,24,39,0.06);
  box-shadow: 0 16px 36px rgba(15,23,42,0.06);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: none;
  border: none;
  padding: 0;
  color: var(--charcoal);
  font-weight: 700;
  text-align: left;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, margin-top 0.3s ease;
  color: var(--slate);
}

.faq-item.is-open .faq-answer {
  max-height: 140px;
  margin-top: 0.75rem;
}

.cta-card {
  padding: 2rem;
  border-radius: 32px;
  background: linear-gradient(135deg, var(--charcoal), #243044 55%, var(--solemn-red));
  color: white;
  box-shadow: var(--shadow);
}

.cta-card h2 {
  font-size: clamp(1.6rem, 2.7vw, 2.2rem);
  margin-bottom: 0.7rem;
}

.cta-card p {
  color: rgba(255,255,255,0.82);
  max-width: 720px;
}

.hero-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 10% 20%, rgba(245,185,66,0.2), transparent 24%), radial-gradient(circle at 90% 10%, rgba(214,40,40,0.16), transparent 28%);
  z-index: -1;
}

.hero-content h1 {
  font-size: clamp(2.3rem, 4.8vw, 4.4rem);
  line-height: 1.08;
  letter-spacing: -0.05em;
  margin-bottom: 1rem;
  font-weight: 800;
}

.hero-content p {
  font-size: 1.05rem;
  color: var(--slate);
  max-width: 600px;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin: 1.4rem 0 1.5rem;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0.7rem 0.95rem;
  border-radius: 999px;
  background: rgba(255,255,255,0.9);
  border: 1px solid var(--border);
  box-shadow: 0 12px 30px rgba(15,23,42,0.07);
  font-weight: 600;
  color: var(--charcoal);
}

.hero-badge i {
  color: var(--solemn-red);
}

.hero-dashboard {
  position: relative;
  border-radius: 32px;
  padding: 1rem;
  background: linear-gradient(145deg, rgba(255,255,255,0.96), rgba(248,250,252,0.9));
  border: 1px solid rgba(255,255,255,0.7);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.hero-dashboard::before {
  content: '';
  position: absolute;
  inset: -10% 70% auto auto;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(245,185,66,0.3), transparent 70%);
}

.dashboard-card {
  position: relative;
  border-radius: 24px;
  overflow: hidden;
  background: linear-gradient(135deg, #ffffff, #f9fafb);
  border: 1px solid rgba(17,24,39,0.06);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.8);
}

.hero-floating-card {
  position: absolute;
  z-index: 2;
  padding: 0.9rem 1rem;
  border-radius: 20px;
  background: rgba(255,255,255,0.92);
  border: 1px solid rgba(255,255,255,0.9);
  box-shadow: 0 22px 50px rgba(15,23,42,0.12);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
}

.hero-floating-card.top-left {
  top: -1rem;
  left: -1rem;
}

.hero-floating-card.bottom-right {
  right: -1rem;
  bottom: -0.8rem;
}

.hero-floating-card strong {
  display: block;
  margin-bottom: 0.25rem;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1rem;
}

.trust-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0.7rem 0.95rem;
  border-radius: 999px;
  background: rgba(255,255,255,0.8);
  border: 1px solid rgba(17,24,39,0.06);
  color: var(--slate);
  font-size: 0.92rem;
}

.trust-pill i {
  color: var(--solemn-red);
}

.stat-grid {
  display: grid;
  gap: 0.9rem;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 1.4rem;
}

.stat-card {
  padding: 1rem;
  border-radius: 20px;
  background: rgba(255,255,255,0.82);
  border: 1px solid var(--border);
  box-shadow: 0 14px 32px rgba(15,23,42,0.06);
}

.stat-card .value {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--charcoal);
}

.stat-card .label {
  font-size: 0.9rem;
  color: var(--slate);
}

.section-card {
  background: rgba(255,255,255,0.74);
  border: 1px solid rgba(255,255,255,0.82);
  -webkit-backdrop-filter: blur(16px);
  backdrop-filter: blur(16px);
  border-radius: 28px;
  padding: 2rem;
  box-shadow: 0 24px 60px rgba(15,23,42,0.08);
}

.premium-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.2rem;
}

.feature-card,
.product-card,
.testimonial-card,
.faq-item,
.timeline-card,
.calculator-card {
  background: rgba(255,255,255,0.92);
  border: 1px solid rgba(17,24,39,0.06);
  border-radius: 24px;
  box-shadow: 0 20px 50px rgba(15,23,42,0.08);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.feature-card:hover,
.product-card:hover,
.testimonial-card:hover,
.faq-item:hover {
  transform: translateY(-6px);
  box-shadow: 0 28px 64px rgba(15,23,42,0.12);
}

.feature-card {
  padding: 1.4rem;
}

.moniepoint-services {
  padding: 0;
}

.moniepoint-services .feature-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1.2rem;
  align-items: center;
  padding: 1.25rem;
  margin-bottom: 1rem;
  border-radius: 28px;
  background: rgba(255,255,255,0.9);
  border: 1px solid rgba(17,24,39,0.06);
  box-shadow: 0 18px 40px rgba(15,23,42,0.06);
}

.moniepoint-services .feature-content {
  padding: 0.5rem 0.3rem;
}

.moniepoint-services .feature-content h2 {
  font-size: clamp(1.25rem, 2vw, 1.7rem);
  font-weight: 700;
  margin-bottom: 0.7rem;
}

.moniepoint-services .feature-content ul {
  display: grid;
  gap: 0.5rem;
}

.moniepoint-services .feature-media img {
  border-radius: 24px;
  box-shadow: 0 24px 50px rgba(15,23,42,0.12);
}

.moniepoint-services .feature-row.flex-row-reverse .feature-content {
  text-align: right;
}

.awards-section {
  padding: 1rem 0 0;
}

.awards-content h3 {
  font-size: clamp(1.35rem, 2vw, 1.8rem);
  font-weight: 700;
  margin-bottom: 0.7rem;
}

.awards-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.award-item {
  display: flex;
  gap: 0.8rem;
  padding: 1rem;
  border-radius: 20px;
  background: rgba(255,255,255,0.9);
  border: 1px solid rgba(17,24,39,0.06);
  box-shadow: 0 16px 36px rgba(15,23,42,0.06);
}

.award-icon {
  flex-shrink: 0;
  width: 46px;
  height: 46px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, var(--solemn-red), var(--solemn-gold));
  color: white;
  font-size: 1.1rem;
}

.award-details h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.3rem;
}

.award-details span {
  color: var(--slate);
  font-size: 0.95rem;
}

.testimonials-wall {
  padding: 1.5rem 0 0;
}

.testimonial-card {
  padding: 1.35rem;
  border-radius: 24px;
  background: rgba(255,255,255,0.95);
  border: 1px solid rgba(17,24,39,0.06);
  box-shadow: 0 18px 42px rgba(15,23,42,0.07);
}

.quote-icon {
  color: var(--solemn-red);
  font-weight: 700;
}

.testimonial-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  object-fit: cover;
}

.feature-icon {
  width: 56px;
  height: 56px;
  border-radius: 18px;
  display: grid;
  place-items: center;
  font-size: 1.35rem;
  color: white;
  margin-bottom: 1rem;
  background: linear-gradient(135deg, var(--solemn-red), var(--solemn-gold));
}

.feature-card h3,
.product-card h3,
.timeline-card h3,
.calculator-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.6rem;
}

.feature-card p,
.product-card p,
.timeline-card p,
.calculator-card p,
.testimonial-card p,
.faq-item p {
  color: var(--slate);
  margin: 0;
}

.product-card {
  padding: 1.4rem;
}

.product-card ul {
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
  color: var(--slate);
}

.product-card li {
  margin-bottom: 0.45rem;
  display: flex;
  align-items: center;
  gap: 0.45rem;
}

.product-card li i {
  color: var(--solemn-red);
}

.timeline-wrap {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  margin-top: 2rem;
}

.timeline-card {
  padding: 1.2rem;
  position: relative;
}

.timeline-card .step {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--solemn-red), var(--solemn-gold));
  color: white;
  font-weight: 700;
  margin-bottom: 0.8rem;
}

.calculator-shell {
  display: grid;
  gap: 1.2rem;
  grid-template-columns: 1.05fr 0.95fr;
}

.calculator-card {
  padding: 1.4rem;
}

.form-control {
  width: 100%;
  border: 1px solid rgba(17,24,39,0.08);
  background: rgba(248,250,252,0.8);
  border-radius: 16px;
  padding: 0.9rem 1rem;
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.form-control:focus {
  border-color: rgba(214,40,40,0.35);
  box-shadow: 0 0 0 4px rgba(214,40,40,0.08);
}

.result-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  margin-top: 0.6rem;
  padding: 0.7rem 0.9rem;
  border-radius: 999px;
  background: rgba(214,40,40,0.08);
  color: var(--solemn-red);
  font-weight: 700;
}

.testimonial-slider {
  position: relative;
}

.testimonial-track {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  transition: transform 0.35s ease;
}

.testimonial-card {
  padding: 1.4rem;
}

.testimonial-rating {
  color: var(--solemn-gold);
  letter-spacing: 0.12em;
  margin-bottom: 0.7rem;
}

.testimonial-meta {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  margin-top: 1rem;
}

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

.testimonial-nav {
  display: flex;
  gap: 0.6rem;
  justify-content: flex-end;
  margin-top: 1rem;
}

.testimonial-nav button,
.faq-toggle {
  border: none;
  background: rgba(255,255,255,0.92);
  border: 1px solid rgba(17,24,39,0.08);
  width: 42px;
  height: 42px;
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 12px 25px rgba(15,23,42,0.08);
}

.faq-list {
  display: grid;
  gap: 0.85rem;
  margin-top: 1.2rem;
}

.faq-item {
  padding: 1rem 1.2rem;
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: none;
  border: none;
  padding: 0;
  color: var(--charcoal);
  font-weight: 700;
  text-align: left;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, margin-top 0.3s ease;
  color: var(--slate);
}

.faq-item.is-open .faq-answer {
  max-height: 140px;
  margin-top: 0.75rem;
}

.faq-item.is-open .faq-toggle {
  transform: rotate(45deg);
}

.cta-banner {
  position: relative;
  padding: 2.3rem;
  border-radius: 32px;
  color: white;
  background: linear-gradient(135deg, var(--charcoal), #243044 55%, var(--solemn-red));
  box-shadow: var(--shadow);
  overflow: hidden;
}

.cta-banner::after {
  content: '';
  position: absolute;
  inset: auto -20px -20px auto;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  background: rgba(245,185,66,0.2);
}

.footer {
  padding: 4rem 0 2rem;
  margin-top: 3rem;
  border-top: 1px solid rgba(17,24,39,0.06);
  background: linear-gradient(180deg, rgba(255,255,255,0.8), rgba(248,250,252,0.95));
}

.footer-links a {
  display: inline-flex;
  margin-bottom: 0.45rem;
  color: var(--slate);
}

.back-to-top {
  position: fixed;
  right: 1.2rem;
  bottom: 1.2rem;
  z-index: 1100;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: none;
  color: white;
  background: linear-gradient(135deg, var(--solemn-red), var(--solemn-gold));
  box-shadow: 0 12px 35px rgba(214,40,40,0.3);
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: all 0.25s ease;
}

.back-to-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.is-hidden-on-load {
  opacity: 0;
  transform: translateY(24px);
}

.is-visible-on-scroll {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

@media (max-width: 1024px) {
  .premium-grid,
  .timeline-wrap,
  .testimonial-track,
  .awards-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .calculator-shell,
  .hero-grid,
  .insight-grid,
  .moniepoint-services .feature-row {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 767px) {
  .hero-section {
    padding: 3rem 0 2.5rem;
  }

  .hero-actions,
  .dashboard-row {
    flex-direction: column;
    align-items: flex-start;
  }

  .dashboard-grid {
    grid-template-columns: 1fr;
  }

  .premium-grid,
  .timeline-wrap,
  .testimonial-track,
  .stat-grid,
  .awards-grid {
    grid-template-columns: 1fr;
  }

  .moniepoint-services .feature-row {
    padding: 1rem;
  }

  .moniepoint-services .feature-row.flex-row-reverse .feature-content {
    text-align: left;
  }

  .hero-floating-card {
    position: static;
    margin-top: 0.75rem;
  }

  .section-card,
  .cta-banner {
    padding: 1.2rem;
  }
}