/* ============================================================
   Financial Growth Zone — Main Stylesheet
   Palette: Deep Teal Navy + Emerald Green + Warm Gold
   ============================================================ */

:root {
  --fgz-navy: #12313B;
  --fgz-navy-2: #0B2028;
  --fgz-teal: #1E5F6E;
  --fgz-green: #2F9E6B;
  --fgz-green-dark: #22774F;
  --fgz-gold: #D9A32B;
  --fgz-gold-soft: #F2CE74;
  --fgz-mint: #F2F8F6;
  --fgz-sand: #FBF6EC;
  --fgz-ink: #12252C;
  --fgz-muted: #5B7079;
  --fgz-line: #E1EAE7;
  --fgz-radius: 18px;
  --fgz-shadow-sm: 0 6px 18px rgba(18, 49, 59, .08);
  --fgz-shadow: 0 18px 44px rgba(18, 49, 59, .12);
  --fgz-shadow-lg: 0 30px 70px rgba(11, 32, 40, .22);
  --fgz-font-head: "Trebuchet MS", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --fgz-font-body: "Segoe UI", "Helvetica Neue", Helvetica, Arial, sans-serif;
}

* { -webkit-tap-highlight-color: transparent; }

body {
  font-family: var(--fgz-font-body);
  color: var(--fgz-ink);
  background: #ffffff;
  line-height: 1.7;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--fgz-font-head);
  color: var(--fgz-navy);
  font-weight: 700;
  letter-spacing: -.01em;
  line-height: 1.25;
}

a { color: var(--fgz-teal); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--fgz-green); }

img { max-width: 100%; }

.fgz-muted { color: var(--fgz-muted) !important; }
.fgz-gold-text { color: var(--fgz-gold) !important; }
.fgz-small { font-size: .875rem; }

/* ---------- Layout helpers ---------- */
.fgz-section { padding: 84px 0; }
.fgz-section-sm { padding: 58px 0; }
.fgz-bg-mint { background: var(--fgz-mint); }
.fgz-bg-sand { background: var(--fgz-sand); }
.fgz-bg-navy { background: linear-gradient(140deg, var(--fgz-navy) 0%, var(--fgz-navy-2) 100%); }
.fgz-bg-navy h1, .fgz-bg-navy h2, .fgz-bg-navy h3,
.fgz-bg-navy h4, .fgz-bg-navy h5 { color: #fff; }


/* ---------- Eyebrow / section heading ---------- */
.fgz-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  font-family: var(--fgz-font-head);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--fgz-green-dark);
  background: rgba(47, 158, 107, .12);
  border: 1px solid rgba(47, 158, 107, .25);
  border-radius: 100px;
  padding: .4rem .9rem;
  margin-bottom: 1rem;
}
.fgz-eyebrow i { color: var(--fgz-gold); }
.fgz-bg-navy .fgz-eyebrow {
  color: var(--fgz-gold-soft);
  background: rgba(217, 163, 43, .14);
  border-color: rgba(217, 163, 43, .35);
}
.fgz-title { font-size: clamp(1.75rem, 3.4vw, 2.65rem); margin-bottom: .75rem; }
.fgz-lead { font-size: 1.0625rem; color: var(--fgz-muted); max-width: 720px; }
.fgz-bg-navy .fgz-lead { color: rgba(255, 255, 255, .78); }
.fgz-rule { width: 74px; height: 4px; border-radius: 4px; background: linear-gradient(90deg, var(--fgz-gold), var(--fgz-green)); margin: 0 0 1.25rem; }
.fgz-rule-center { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn { font-family: var(--fgz-font-head); font-weight: 700; letter-spacing: .01em; border-radius: 100px; padding: .72rem 1.6rem; transition: all .25s ease; }
.btn:focus { box-shadow: 0 0 0 .2rem rgba(47, 158, 107, .28); }

.btn-gold { background: linear-gradient(135deg, var(--fgz-gold) 0%, #C08C1C 100%); color: #2A1D02; border: 0; box-shadow: 0 10px 24px rgba(217, 163, 43, .32); }
.btn-gold:hover, .btn-gold:focus { background: linear-gradient(135deg, #E6B33C 0%, #C08C1C 100%); color: #2A1D02; transform: translateY(-2px); box-shadow: 0 16px 30px rgba(217, 163, 43, .4); }

.btn-green { background: linear-gradient(135deg, var(--fgz-green) 0%, var(--fgz-green-dark) 100%); color: #fff; border: 0; box-shadow: 0 10px 24px rgba(34, 119, 79, .28); }
.btn-green:hover, .btn-green:focus { color: #fff; transform: translateY(-2px); box-shadow: 0 16px 30px rgba(34, 119, 79, .38); }

.btn-outline-gold { border: 2px solid var(--fgz-gold); color: var(--fgz-gold-soft); background: transparent; }
.btn-outline-gold:hover, .btn-outline-gold:focus { background: var(--fgz-gold); color: #2A1D02; transform: translateY(-2px); }

.btn-outline-navy { border: 2px solid var(--fgz-navy); color: var(--fgz-navy); background: transparent; }
.btn-outline-navy:hover, .btn-outline-navy:focus { background: var(--fgz-navy); color: #fff; transform: translateY(-2px); }

.btn-light-ghost { border: 2px solid rgba(255, 255, 255, .5); color: #fff; background: transparent; }
.btn-light-ghost:hover, .btn-light-ghost:focus { background: #fff; color: var(--fgz-navy); transform: translateY(-2px); }

.btn-sm-pill { padding: .5rem 1.15rem; font-size: .9rem; }

/* ---------- Top bar ---------- */
.fgz-topbar {
  background: var(--fgz-navy-2);
  color: rgba(255, 255, 255, .82);
  font-size: .85rem;
  padding: .5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, .07);
}
.fgz-topbar a { color: rgba(255, 255, 255, .92); }
.fgz-topbar a:hover { color: var(--fgz-gold); }
.fgz-topbar i { color: var(--fgz-gold); margin-right: .4rem; }
.fgz-topbar .divider-dot { opacity: .35; }

/* ---------- Logo (single line, one consistent style) ---------- */
.fgz-logo {
  display: inline-flex;
  align-items: center;
  gap: .65rem;
  white-space: nowrap;
  line-height: 1;
  font-family: var(--fgz-font-head);
}
.fgz-logo-mark {
  width: 40px;
  height: 40px;
  flex: 0 0 40px;
  border-radius: 11px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  color: #2A1D02;
  background: linear-gradient(135deg, var(--fgz-gold-soft) 0%, var(--fgz-gold) 100%);
  box-shadow: 0 6px 16px rgba(217, 163, 43, .35);
}
.fgz-logo-text {
  display: inline-block;
  font-size: 1.18rem;
  font-weight: 700;
  letter-spacing: .005em;
  color: #fff;
  white-space: nowrap;
}
.fgz-logo-text .accent { color: var(--fgz-gold); }
.fgz-logo-text .zone { color: var(--fgz-green); }

/* ---------- Navbar ---------- */
.fgz-navbar {
  background: rgba(18, 49, 59, .96);
  backdrop-filter: blur(10px);
  padding: .75rem 0;
  border-bottom: 3px solid var(--fgz-gold);
  box-shadow: var(--fgz-shadow-sm);
}
.fgz-navbar .nav-link {
  color: rgba(255, 255, 255, .88);
  font-family: var(--fgz-font-head);
  font-weight: 600;
  font-size: .95rem;
  padding: .5rem .95rem !important;
  position: relative;
}
.fgz-navbar .nav-link::after {
  content: "";
  position: absolute;
  left: .95rem;
  right: .95rem;
  bottom: .15rem;
  height: 2px;
  border-radius: 2px;
  background: var(--fgz-gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .25s ease;
}
.fgz-navbar .nav-link:hover, .fgz-navbar .nav-link:focus { color: #fff; }
.fgz-navbar .nav-link:hover::after,
.fgz-navbar .nav-link.active::after,
.fgz-navbar .nav-item.show .nav-link::after { transform: scaleX(1); }
.fgz-navbar .nav-link.active, .fgz-navbar .nav-item.show .nav-link { color: #fff; }
.fgz-navbar .dropdown-menu {
  border: 0;
  border-radius: 14px;
  box-shadow: var(--fgz-shadow);
  padding: .5rem;
  min-width: 260px;
  border-top: 3px solid var(--fgz-gold);
}
.fgz-navbar .dropdown-item {
  border-radius: 10px;
  padding: .55rem .8rem;
  font-weight: 600;
  font-size: .93rem;
  color: var(--fgz-navy);
  display: flex;
  align-items: center;
  gap: .6rem;
}
.fgz-navbar .dropdown-item i { color: var(--fgz-green); font-size: 1rem; }
.fgz-navbar .dropdown-item:hover, .fgz-navbar .dropdown-item:focus { background: var(--fgz-mint); color: var(--fgz-green-dark); }
.fgz-navbar .dropdown-item.active { background: var(--fgz-navy); color: #fff; }
.fgz-navbar .dropdown-item.active i { color: var(--fgz-gold); }
.fgz-navbar .navbar-toggler { border: 1px solid rgba(255, 255, 255, .4); padding: .35rem .6rem; }
.fgz-navbar .navbar-toggler:focus { box-shadow: none; }
.fgz-navbar .navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba%28217,163,43,1%29' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

/* ---------- Hero ---------- */
.fgz-hero {
  position: relative;
  color: #fff;
  padding: 110px 0 130px;
  background:
    linear-gradient(100deg, rgba(11, 32, 40, .94) 0%, rgba(18, 49, 59, .84) 45%, rgba(30, 95, 110, .55) 100%),
    url("../img/hero-finance.jpg") center/cover no-repeat;
  overflow: hidden;
}
.fgz-hero::after {
  content: "";
  position: absolute;
  inset: auto 0 -1px 0;
  height: 90px;
  background: #fff;
  clip-path: polygon(0 100%, 100% 0, 100% 100%);
}
.fgz-hero h1 { color: #fff; font-size: clamp(2.05rem, 4.6vw, 3.4rem); }
.fgz-hero h1 .hl {
  color: var(--fgz-gold);
  position: relative;
  white-space: nowrap;
}
.fgz-hero p.fgz-hero-lead { font-size: 1.1rem; color: rgba(255, 255, 255, .85); max-width: 560px; }
.fgz-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(255, 255, 255, .12);
  border: 1px solid rgba(255, 255, 255, .25);
  border-radius: 100px;
  padding: .4rem 1rem;
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--fgz-gold-soft);
  margin-bottom: 1.25rem;
}
.fgz-hero-checks { list-style: none; padding: 0; margin: 1.75rem 0 0; }
.fgz-hero-checks li { display: flex; align-items: center; gap: .6rem; margin-bottom: .55rem; color: rgba(255, 255, 255, .9); font-weight: 500; }
.fgz-hero-checks li i { color: var(--fgz-gold); font-size: 1.05rem; }

/* Hero mini card */
.fgz-hero-card {
  background: rgba(255, 255, 255, .07);
  border: 1px solid rgba(255, 255, 255, .18);
  backdrop-filter: blur(8px);
  border-radius: 22px;
  padding: 1.5rem;
  box-shadow: var(--fgz-shadow-lg);
}
.fgz-hero-card h5 { color: #fff; }
.fgz-stat-tile {
  background: rgba(11, 32, 40, .45);
  border: 1px solid rgba(255, 255, 255, .12);
  border-radius: 16px;
  padding: 1rem;
  text-align: center;
  height: 100%;
}
.fgz-stat-tile .num { font-family: var(--fgz-font-head); font-size: 1.65rem; font-weight: 700; color: var(--fgz-gold); display: block; line-height: 1.1; }
.fgz-stat-tile .lbl { font-size: .8rem; color: rgba(255, 255, 255, .8); text-transform: uppercase; letter-spacing: .06em; }

/* ---------- Generic cards ---------- */
.fgz-card {
  background: #fff;
  border: 1px solid var(--fgz-line);
  border-radius: var(--fgz-radius);
  box-shadow: var(--fgz-shadow-sm);
  height: 100%;
  overflow: hidden;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  display: flex;
  flex-direction: column;
}
.fgz-card:hover { transform: translateY(-8px); box-shadow: var(--fgz-shadow); border-color: rgba(47, 158, 107, .4); }

/* ---------- Service card (image + heading + description + button) ---------- */
.fgz-service-card .card-img-wrap { position: relative; overflow: hidden; }
.fgz-service-card img { height: 200px; width: 100%; object-fit: cover; display: block; transition: transform .5s ease; }
.fgz-service-card:hover img { transform: scale(1.07); }
.fgz-service-card .card-img-wrap::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(11, 32, 40, 0) 45%, rgba(11, 32, 40, .55) 100%);
}
.fgz-service-card .card-tag {
  position: absolute;
  left: 14px;
  top: 14px;
  z-index: 2;
  background: var(--fgz-gold);
  color: #2A1D02;
  font-family: var(--fgz-font-head);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: .3rem .7rem;
  border-radius: 100px;
}
.fgz-service-card .card-body { padding: 1.4rem 1.4rem 1.6rem; display: flex; flex-direction: column; flex: 1 1 auto; }
.fgz-service-card .card-body h3 { font-size: 1.18rem; margin-bottom: .6rem; }
.fgz-service-card .card-body h3 i { color: var(--fgz-green); margin-right: .35rem; }
.fgz-service-card .card-body p { color: var(--fgz-muted); font-size: .95rem; flex: 1 1 auto; }
.fgz-service-card .card-body .btn { align-self: flex-start; }

/* ---------- Icon feature tiles ---------- */
.fgz-feature {
  background: #fff;
  border: 1px solid var(--fgz-line);
  border-radius: var(--fgz-radius);
  padding: 1.6rem;
  height: 100%;
  transition: transform .3s ease, box-shadow .3s ease;
}
.fgz-feature:hover { transform: translateY(-6px); box-shadow: var(--fgz-shadow); }
.fgz-feature .icon-box {
  width: 56px;
  height: 56px;
  border-radius: 15px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1rem;
  background: linear-gradient(135deg, rgba(47, 158, 107, .14), rgba(217, 163, 43, .16));
  color: var(--fgz-green-dark);
  border: 1px solid rgba(47, 158, 107, .22);
}
.fgz-feature h4 { font-size: 1.08rem; margin-bottom: .5rem; }
.fgz-feature p { color: var(--fgz-muted); font-size: .94rem; margin: 0; }

/* Dark feature tiles */
.fgz-feature-dark {
  background: rgba(255, 255, 255, .06);
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: var(--fgz-radius);
  padding: 1.7rem;
  height: 100%;
  transition: transform .3s ease, background .3s ease;
}
.fgz-feature-dark:hover { transform: translateY(-6px); background: rgba(255, 255, 255, .11); }
.fgz-feature-dark .icon-box {
  width: 56px; height: 56px; border-radius: 15px;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 1rem;
  background: linear-gradient(135deg, var(--fgz-gold-soft), var(--fgz-gold));
  color: #2A1D02;
}
.fgz-feature-dark h4 { color: #fff; font-size: 1.08rem; margin-bottom: .5rem; }
.fgz-feature-dark p { color: rgba(255, 255, 255, .76); font-size: .94rem; margin: 0; }

/* ---------- Stat band ---------- */
.fgz-stat-band { background: linear-gradient(120deg, var(--fgz-green-dark), var(--fgz-teal)); color: #fff; padding: 54px 0; }
.fgz-stat-band .stat-num { font-family: var(--fgz-font-head); font-size: clamp(1.9rem, 3.4vw, 2.7rem); font-weight: 700; color: #fff; line-height: 1; }
.fgz-stat-band .stat-num span { color: var(--fgz-gold-soft); }
.fgz-stat-band .stat-label { font-size: .84rem; letter-spacing: .09em; text-transform: uppercase; color: rgba(255, 255, 255, .82); margin-top: .4rem; }
.fgz-stat-band .stat-item { border-left: 1px solid rgba(255, 255, 255, .18); padding-left: 1.25rem; }

/* ---------- Process steps ---------- */
.fgz-step {
  position: relative;
  background: #fff;
  border: 1px solid var(--fgz-line);
  border-radius: var(--fgz-radius);
  padding: 1.75rem 1.5rem 1.5rem;
  height: 100%;
  text-align: center;
  transition: transform .3s ease, box-shadow .3s ease;
}
.fgz-step:hover { transform: translateY(-6px); box-shadow: var(--fgz-shadow); }
.fgz-step .step-num {
  width: 52px; height: 52px; margin: 0 auto 1rem;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--fgz-font-head); font-weight: 700; font-size: 1.15rem;
  color: #fff;
  background: linear-gradient(135deg, var(--fgz-teal), var(--fgz-green-dark));
  box-shadow: 0 10px 20px rgba(30, 95, 110, .3);
}
.fgz-step h4 { font-size: 1.05rem; margin-bottom: .5rem; }
.fgz-step p { color: var(--fgz-muted); font-size: .93rem; margin: 0; }

/* ---------- Checklist list ---------- */
.fgz-check-list { list-style: none; padding: 0; margin: 0; }
.fgz-check-list li { display: flex; gap: .75rem; margin-bottom: .8rem; color: var(--fgz-ink); }
.fgz-check-list li i { color: var(--fgz-green); font-size: 1.05rem; margin-top: .2rem; flex: 0 0 auto; }
.fgz-check-list.on-dark li { color: rgba(255, 255, 255, .88); }
.fgz-check-list.on-dark li i { color: var(--fgz-gold); }

/* ---------- Testimonials ---------- */
.fgz-testimonial-card {
  background: #fff;
  border-radius: var(--fgz-radius);
  padding: 2rem 1.9rem;
  height: 100%;
  border: 1px solid var(--fgz-line);
  box-shadow: var(--fgz-shadow-sm);
  position: relative;
}
.fgz-testimonial-card .quote-icon { font-size: 2.2rem; color: var(--fgz-gold); opacity: .85; line-height: 1; }
.fgz-testimonial-card p { color: var(--fgz-ink); font-size: 1rem; font-style: italic; margin: .8rem 0 1.25rem; }
.fgz-testimonial-card .stars { color: var(--fgz-gold); font-size: .95rem; letter-spacing: .1em; }
.fgz-testimonial-card .who { display: flex; align-items: center; gap: .85rem; }
.fgz-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--fgz-font-head); font-weight: 700; font-size: 1.05rem;
  color: #fff; flex: 0 0 48px;
  background: linear-gradient(135deg, var(--fgz-teal), var(--fgz-green-dark));
}
.fgz-avatar.gold { background: linear-gradient(135deg, var(--fgz-gold-soft), #C08C1C); color: #2A1D02; }
.fgz-testimonial-card .who .name { font-family: var(--fgz-font-head); font-weight: 700; color: var(--fgz-navy); font-size: 1rem; margin: 0; }

/* ---------- Blog cards ---------- */
.fgz-blog-card { border-radius: var(--fgz-radius); overflow: hidden; }
.fgz-blog-card img { height: 210px; width: 100%; object-fit: cover; transition: transform .5s ease; }
.fgz-blog-card:hover img { transform: scale(1.06); }
.fgz-blog-card .card-body { padding: 1.4rem; }
.fgz-blog-meta-line { font-size: .8rem; letter-spacing: .05em; text-transform: uppercase; color: var(--fgz-green-dark); font-weight: 700; font-family: var(--fgz-font-head); }
.fgz-blog-card h3 { font-size: 1.12rem; margin: .5rem 0 .6rem; }
.fgz-blog-card h3 a { color: var(--fgz-navy); }
.fgz-blog-card h3 a:hover { color: var(--fgz-green); }
.fgz-blog-card p { color: var(--fgz-muted); font-size: .94rem; }
.fgz-read-more { font-family: var(--fgz-font-head); font-weight: 700; font-size: .9rem; color: var(--fgz-green-dark); display: inline-flex; align-items: center; gap: .4rem; }
.fgz-read-more:hover { color: var(--fgz-gold); gap: .65rem; }

/* ---------- Article ---------- */
.fgz-article-hero {
  background: linear-gradient(120deg, rgba(11, 32, 40, .95), rgba(18, 49, 59, .8)), url("../img/blog-credit-score.jpg") center/cover no-repeat;
  padding: 76px 0 60px;
  color: #fff;
}
.fgz-article-hero h1 { color: #fff; font-size: clamp(1.7rem, 3.6vw, 2.6rem); max-width: 900px; }
.fgz-article-body { font-size: 1.0625rem; color: #22383F; }
.fgz-article-body p { margin-bottom: 1.25rem; }
.fgz-article-body h2 { font-size: 1.5rem; margin: 2.25rem 0 1rem; }
.fgz-article-body h3 { font-size: 1.2rem; margin: 1.8rem 0 .8rem; }
.fgz-article-body ul { margin: 0 0 1.35rem; padding-left: 1.15rem; }
.fgz-article-body ul li { margin-bottom: .5rem; }
.fgz-article-body blockquote {
  border-left: 4px solid var(--fgz-gold);
  background: var(--fgz-sand);
  padding: 1.15rem 1.4rem;
  border-radius: 0 14px 14px 0;
  margin: 1.75rem 0;
  font-style: italic;
  color: var(--fgz-navy);
}
.fgz-article-body .callout {
  background: var(--fgz-mint);
  border: 1px solid var(--fgz-line);
  border-radius: 14px;
  padding: 1.25rem 1.4rem;
  margin: 1.75rem 0;
}
.fgz-article-body .callout h4 { font-size: 1rem; margin-bottom: .5rem; display: flex; align-items: center; gap: .5rem; }
.fgz-article-body .callout h4 i { color: var(--fgz-green); }
.fgz-article-body .callout p:last-child { margin-bottom: 0; }

/* ---------- CTA band ---------- */
.fgz-cta-band {
  background: linear-gradient(120deg, var(--fgz-navy) 0%, var(--fgz-teal) 100%);
  color: #fff;
  border-radius: 24px;
  padding: 2.75rem 2.5rem;
  box-shadow: var(--fgz-shadow-lg);
  position: relative;
  overflow: hidden;
}
.fgz-cta-band::before {
  content: "";
  position: absolute;
  right: -70px; top: -70px;
  width: 260px; height: 260px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(217, 163, 43, .35), transparent 70%);
}
.fgz-cta-band h2 { color: #fff; }

/* ---------- Forms ---------- */
.fgz-form-card {
  background: #fff;
  border: 1px solid var(--fgz-line);
  border-radius: 22px;
  box-shadow: var(--fgz-shadow);
  padding: 2rem;
}
.fgz-form-card .form-label {
  font-family: var(--fgz-font-head);
  font-weight: 700;
  font-size: .85rem;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--fgz-navy);
  margin-bottom: .4rem;
}
.fgz-form-card .form-label .req { color: #C0392B; }
.form-control, .form-select {
  border-radius: 12px;
  border: 1.5px solid var(--fgz-line);
  padding: .7rem .95rem;
  font-size: .97rem;
  color: var(--fgz-ink);
}
.form-control:focus, .form-select:focus {
  border-color: var(--fgz-green);
  box-shadow: 0 0 0 .2rem rgba(47, 158, 107, .16);
}
.form-control.is-invalid, .form-select.is-invalid { border-color: #C0392B; }
.invalid-feedback { font-size: .82rem; }
.fgz-form-note { font-size: .82rem; color: var(--fgz-muted); }
.fgz-form-alert { border-radius: 14px; border: 0; padding: 1rem 1.15rem; font-weight: 500; }
.fgz-form-alert .ref { font-family: var(--fgz-font-head); font-weight: 700; }

/* Inline newsletter (footer + subscribe page) */

/* ---------- Contact info ---------- */
.fgz-contact-tile {
  display: flex;
  gap: 1rem;
  background: #fff;
  border: 1px solid var(--fgz-line);
  border-radius: var(--fgz-radius);
  padding: 1.4rem;
  height: 100%;
  transition: transform .3s ease, box-shadow .3s ease;
}
.fgz-contact-tile:hover { transform: translateY(-5px); box-shadow: var(--fgz-shadow); }
.fgz-contact-tile .icon-box {
  width: 52px; height: 52px; flex: 0 0 52px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center; font-size: 1.35rem;
  background: linear-gradient(135deg, var(--fgz-navy), var(--fgz-teal));
  color: var(--fgz-gold);
}
.fgz-contact-tile h5 { font-size: .82rem; letter-spacing: .09em; text-transform: uppercase; color: var(--fgz-muted); margin-bottom: .25rem; }
.fgz-contact-tile p, .fgz-contact-tile a { margin: 0; color: var(--fgz-navy); font-weight: 600; font-size: 1rem; word-break: break-word; }
.fgz-contact-tile a:hover { color: var(--fgz-green); }

.fgz-map-frame { border-radius: var(--fgz-radius); overflow: hidden; border: 1px solid var(--fgz-line); box-shadow: var(--fgz-shadow-sm); }

/* ---------- Accordion / FAQ ---------- */
.fgz-accordion .accordion-item { border: 1px solid var(--fgz-line); border-radius: 14px !important; margin-bottom: .75rem; overflow: hidden; }
.fgz-accordion .accordion-button { font-family: var(--fgz-font-head); font-weight: 700; color: var(--fgz-navy); background: #fff; }
.fgz-accordion .accordion-button:not(.collapsed) { background: var(--fgz-mint); color: var(--fgz-green-dark); box-shadow: none; }
.fgz-accordion .accordion-button:focus { box-shadow: none; border-color: var(--fgz-line); }
.fgz-accordion .accordion-body { color: var(--fgz-muted); }

/* ---------- Page header (inner pages) ---------- */
.fgz-page-header {
  background: linear-gradient(120deg, rgba(11, 32, 40, .95) 0%, rgba(30, 95, 110, .88) 100%), url("../img/hero-finance.jpg") center/cover no-repeat;
  padding: 68px 0 56px;
  color: #fff;
  position: relative;
}
.fgz-page-header h1 { color: #fff; font-size: clamp(1.85rem, 4vw, 2.9rem); margin-bottom: .5rem; }
.fgz-page-header p { color: rgba(255, 255, 255, .82); max-width: 760px; margin: 0; }
.fgz-breadcrumb { font-size: .85rem; margin-bottom: .9rem; }
.fgz-breadcrumb a { color: var(--fgz-gold-soft); font-weight: 600; }
.fgz-breadcrumb a:hover { color: #fff; }
.fgz-breadcrumb .sep { color: rgba(255, 255, 255, .45); margin: 0 .45rem; }
.fgz-breadcrumb .current { color: rgba(255, 255, 255, .75); }

/* ---------- Service detail page ---------- */
.fgz-service-hero-img { border-radius: 22px; overflow: hidden; box-shadow: var(--fgz-shadow); }
.fgz-service-hero-img img { width: 100%; height: 100%; object-fit: cover; display: block; min-height: 260px; }
.fgz-info-list { list-style: none; padding: 0; margin: 0; }
.fgz-info-list li { padding: .7rem 0; border-bottom: 1px dashed var(--fgz-line); display: flex; gap: .7rem; align-items: flex-start; }
.fgz-info-list li:last-child { border-bottom: 0; }
.fgz-info-list li i { color: var(--fgz-gold); margin-top: .25rem; }

.fgz-side-card {
  background: #fff;
  border: 1px solid var(--fgz-line);
  border-radius: var(--fgz-radius);
  box-shadow: var(--fgz-shadow-sm);
  padding: 1.5rem;
}
.fgz-side-card h5 { font-size: 1.02rem; margin-bottom: 1rem; padding-bottom: .7rem; border-bottom: 2px solid var(--fgz-mint); }
.fgz-side-link { display: flex; align-items: center; gap: .7rem; padding: .6rem .7rem; border-radius: 12px; color: var(--fgz-navy); font-weight: 600; font-size: .94rem; }
.fgz-side-link i { color: var(--fgz-green); }
.fgz-side-link:hover { background: var(--fgz-mint); color: var(--fgz-green-dark); }
.fgz-side-link.active { background: var(--fgz-navy); color: #fff; }
.fgz-side-link.active i { color: var(--fgz-gold); }

/* ---------- Footer ---------- */
.fgz-footer { background: var(--fgz-navy-2); color: rgba(255, 255, 255, .74); padding: 68px 0 0; font-size: .94rem; }
.fgz-footer h5 { color: #fff; font-size: .85rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 1.15rem; position: relative; padding-bottom: .7rem; }
.fgz-footer h5::after { content: ""; position: absolute; left: 0; bottom: 0; width: 36px; height: 3px; border-radius: 3px; background: var(--fgz-gold); }
.fgz-footer a { color: rgba(255, 255, 255, .74); display: inline-block; padding: .18rem 0; }
.fgz-footer a:hover { color: var(--fgz-gold); }
.fgz-footer ul { list-style: none; padding: 0; margin: 0; }
.fgz-footer .footer-contact li { display: flex; gap: .7rem; margin-bottom: .85rem; align-items: flex-start; }
.fgz-footer .footer-contact i { color: var(--fgz-gold); margin-top: .22rem; }
.fgz-footer .footer-bottom { border-top: 1px solid rgba(255, 255, 255, .1); margin-top: 46px; padding: 20px 0; font-size: .86rem; }
.fgz-footer .footer-bottom a { color: var(--fgz-gold-soft); }
.fgz-social a {
  width: 38px; height: 38px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .14);
  color: #fff; padding: 0; margin-right: .4rem;
}
.fgz-social a:hover { background: var(--fgz-gold); color: #2A1D02; border-color: var(--fgz-gold); transform: translateY(-3px); }

/* ---------- Back to top ---------- */
#fgzBackToTop {
  position: fixed;
  right: 22px; bottom: 22px;
  width: 46px; height: 46px;
  border-radius: 50%;
  border: 0;
  background: linear-gradient(135deg, var(--fgz-gold-soft), var(--fgz-gold));
  color: #2A1D02;
  font-size: 1.15rem;
  box-shadow: var(--fgz-shadow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all .3s ease;
  z-index: 1040;
}
#fgzBackToTop.show { opacity: 1; visibility: visible; transform: translateY(0); }
#fgzBackToTop:hover { transform: translateY(-4px); }

/* ---------- Misc ---------- */
.fgz-timeline { list-style: none; padding: 0; margin: 0; }
.fgz-timeline li { position: relative; padding: 0 0 1.6rem 2.2rem; border-left: 2px solid var(--fgz-line); }
.fgz-timeline li:last-child { border-left-color: transparent; padding-bottom: 0; }
.fgz-timeline li::before {
  content: "";
  position: absolute;
  left: -9px; top: 3px;
  width: 16px; height: 16px;
  border-radius: 50%;
  background: var(--fgz-gold);
  border: 3px solid #fff;
  box-shadow: 0 0 0 2px var(--fgz-gold);
}
.fgz-timeline li h6 { margin-bottom: .15rem; }
.fgz-timeline li p { color: var(--fgz-muted); font-size: .93rem; margin: 0; }


.fgz-legal-body h2 { font-size: 1.35rem; margin: 2rem 0 .8rem; }
.fgz-legal-body p, .fgz-legal-body li { color: #22383F; }
.fgz-legal-body ul { padding-left: 1.2rem; }
.fgz-legal-body .updated { font-size: .88rem; color: var(--fgz-muted); }

/* ---------- Responsive ---------- */
@media (max-width: 991.98px) {
  .fgz-section { padding: 62px 0; }
  .fgz-hero { padding: 78px 0 104px; }
  .fgz-navbar .navbar-collapse {
    background: var(--fgz-navy);
    margin-top: .85rem;
    border-radius: 16px;
    padding: .75rem;
    border: 1px solid rgba(255, 255, 255, .1);
  }
  .fgz-navbar .nav-link { padding: .6rem .8rem !important; }
  .fgz-navbar .dropdown-menu { box-shadow: none; background: rgba(255, 255, 255, .06); border: 0; margin-top: .25rem; }
  .fgz-navbar .dropdown-item { color: rgba(255, 255, 255, .88); }
  .fgz-navbar .dropdown-item i { color: var(--fgz-gold); }
  .fgz-navbar .dropdown-item:hover, .fgz-navbar .dropdown-item:focus { background: rgba(255, 255, 255, .1); color: #fff; }
  .fgz-navbar .dropdown-item.active { background: var(--fgz-gold); color: #2A1D02; }
  .fgz-navbar .dropdown-item.active i { color: #2A1D02; }
  .fgz-topbar .d-flex { justify-content: center !important; flex-wrap: wrap; gap: .35rem 1rem; }
}
@media (max-width: 575.98px) {
  .fgz-form-card { padding: 1.4rem; }
  .fgz-cta-band { padding: 2rem 1.4rem; }
  .fgz-logo-text { font-size: 1.05rem; }
  .fgz-logo-mark { width: 36px; height: 36px; flex-basis: 36px; font-size: 1rem; }
}