:root {
  --navy: #082746;
  --deep: #041c34;
  --gold: #e9b95c;
  --gold2: #f3ce83;
  --ink: #102b49;
  --muted: #65758a;
  --light: #f3f7fb;
}
* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
  scroll-padding-top: 94px;
}
body {
  font-family: "DM Sans", sans-serif;
  color: var(--ink);
  overflow-x: hidden;
  letter-spacing:1px;
}
h1,
h2,
h3,
h4,
.btn,
.navbar {
  font-family: Manrope, sans-serif;
}
a {
  text-decoration: none;
}
.site-header {
  background: #fff;
  box-shadow: 0 6px 30px #071e3214;
  transition: box-shadow 0.3s;
}
.navbar {
  /*min-height: 85px;*/
}
.navbar-brand img {
  width: 250px;
  max-width: 45vw;
  height: auto;
  display: block;
}
.nav-link {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy) !important;
  padding: 10px 20px !important;
  text-transform:uppercase;
}
.nav-link:hover,
.dropdown-item:hover {
  color: #b88632 !important;
}
.dropdown-menu {
  border: 0;
  border-radius: 10px;
  box-shadow: 0 15px 40px #0c254326;
  padding: 12px;
}
.dropdown-item {
  font-size: 13px;
  padding: 9px 14px;
}
.btn {
  border-radius: 5px;
  font-size: 13px;
  font-weight: 800;
  padding: 13px 21px;
  transition: transform 0.3s, box-shadow 0.3s, background 0.3s;
}
.btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 25px #0002;
}
.btn i {
  margin-left: 7px;
}
.btn-gold {
  background: var(--gold);
  color: var(--deep);
  border: 1px solid var(--gold);
}
.btn-gold:hover {
  background: var(--gold2);
  color: var(--deep);
}
.btn-outline-navy {
  border: 1px solid var(--navy);
  color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: #fff;
}
.hero {
  margin-top: 85px;
  position: relative;
  background: var(--deep);
}
.hero .carousel-item {
  height: 620px;
  position: relative;
  background-image: linear-gradient(
      90deg,
      rgba(2, 22, 42, 0.96) 0%,
      rgba(3, 29, 52, 0.83) 39%,
      rgba(4, 27, 48, 0.15) 100%
    ),
    var(--slide-image);
  background-size: cover;
  background-position: center;
  overflow: hidden;
}
.hero .carousel-item:after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(0deg, #031e36a6, transparent 35%);
  pointer-events: none;
}
.hero-content {
  height: 100%;
  display: flex;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero-copy {
  max-width: 690px;
  color: #fff;
  padding-bottom: 35px;
}
.eyebrow {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.7px;
  color: #ae7926;
  margin-bottom: 16px;
}
.eyebrow:before {
  content: "";
  display: inline-block;
  width: 30px;
  height: 3px;
  background: var(--gold);
  vertical-align: middle;
  margin-right: 11px;
}
.eyebrow.light {
  color: var(--gold2);
}
.hero h1,
.hero h2 {
  font-size: clamp(36px, 3.5vw, 64px);
  line-height: 1.15;
  letter-spacing: 1px;
  font-weight: 800;
  margin: 0 0 23px;
}
.hero h1 em,
.hero h2 em {
  font-style: normal;
  color: var(--gold2);
}
.hero-copy p {
  font-size: 17px;
  line-height: 1.8;
  max-width: 550px;
  margin-bottom: 30px;
  color: #e6eef7;
}
.carousel-item.active .hero-copy > * {
  animation: heroUp 0.85s both;
}
.carousel-item.active .hero-copy > *:nth-child(2) {
  animation-delay: 0.15s;
}
.carousel-item.active .hero-copy > *:nth-child(3) {
  animation-delay: 0.3s;
}
.carousel-item.active .hero-copy > *:nth-child(4) {
  animation-delay: 0.45s;
}
@keyframes heroUp {
  from {
    opacity: 0;
    transform: translateY(35px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
.carousel-control-prev,
.carousel-control-next {
  width: 5%;
}
.carousel-indicators {
  bottom: 20px;
  z-index: 5;
}
.carousel-indicators button {
  height: 4px !important;
  width: 30px !important;
  border: 0 !important;
  border-radius: 3px;
}
.hero-benefits {
  position: relative;
  background: #061f38;
  color: #fff;
  padding: 22px 0;
}
.hero-benefits .row > div {
  display: flex;
  align-items: center;
  gap: 14px;
  border-right: 1px solid #ffffff24;
}
.hero-benefits .row > div:last-child {
  border: 0;
}
.hero-benefits i {
  font-size: 28px;
  color: var(--gold);
}
.hero-benefits span {
  font-size: 12px;
  font-weight: 700;
  line-height: 1.5;
}
.section {
  padding: 95px 0;
}
.section-tint {
  background: var(--light);
}
.section-title {
  font-size: clamp(25px, 3.1vw, 35px);
  font-weight: 800;
  letter-spacing: 1px;
  line-height: 1.25;
  margin-bottom: 22px;
}
.section-title span {
  color: #35638a;
}
.lead-copy {
  font-size: 17px;
  font-weight: 600;
}
.section p {
  color: var(--muted);
  line-height: 1.85;
}
.section-heading {
  max-width:100%;
  margin: 0 auto 42px;
}
.section-heading .section-title {
  margin-bottom: 12px;
}
.about-visual {
  position: relative;
  padding-right: 30px;
  padding-bottom: 25px;
}
.about-visual > img {
  width: 100%;
  height: 390px;
  object-fit: cover;
  border-radius: 12px;
}
.floating-note {
  position: absolute;
  right: 0;
  bottom: 0;
  background: var(--navy);
  padding: 25px 30px;
  border-radius: 10px;
  color: #fff;
  box-shadow: 0 15px 30px #001b3352;
  line-height: 1.9;
}
.mini-rule {
  display: block;
  background: var(--gold);
  height: 3px;
  width: 28px;
  margin-bottom: 10px;
}
.service-card {
  height: 100%;
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 8px 30px #112b4a0c;
  transition: transform 0.4s, box-shadow 0.4s;
}
.service-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 18px 40px #102b492b;
}
.service-image {
  height: 190px;
  overflow: hidden;
}
.service-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.65s;
}
.service-card:hover img {
  transform: scale(1.09);
}
.service-body {
  padding: 26px 27px 40px;
  position: relative;
}
.service-icon {
  position: absolute;
  top: -26px;
  right: 43%;
  width: 55px;
  height: 55px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #fff;
  box-shadow: 0 6px 20px #0002;
  color: var(--navy);
  font-size: 24px;
}
.service-card h3 {
  font-size: 18px;
  line-height: 1.45;
  font-weight: 800;
  /*max-width: 240px;
  min-height: 52px;*/
}
.service-card p {
  font-size: 13px;
  line-height: 1.75;
  /*min-height: 70px;*/
  margin: 12px 0;
}
.service-card a,
.resource-card span,
.advisory-card a {
  font-size: 12px;
  font-weight: 800;
  color: var(--navy);
  float:left;
  text-align:center;
  width:100%;
}
.service-card a i,
.resource-card span i,
.advisory-card a i {
  transition: transform 0.3s;
  display: inline-block;
}
.service-card a:hover i,
.resource-card:hover span i,
.advisory-card a:hover i {
  transform: translateX(6px);
}
.feature-strip {
  background: var(--navy);
  padding: 36px 0;
  color: #fff;
}
.feature-strip i {
  font-size: 29px;
  color: var(--gold);
}
.feature-strip h3 {
  font-size: 17px;
  font-weight: 800;
  margin: 10px 0 5px;
}
.feature-strip p {
  font-size: 12px;
  color: #d4e0ec;
  margin: 0;
}
.process-card {
  text-align: center;
  position: relative;
  padding: 12px 10px;
}
.process-number {
  display: grid;
  place-items: center;
  background: var(--navy);
  color: #fff;
  border-radius: 50%;
  height: 44px;
  width: 44px;
  font-weight: 800;
  margin: 0 auto 18px;
  box-shadow: 0 5px 15px #08274632;
}
.process-card > i {
  font-size: 33px;
  color: #2b5378;
}
.process-card h3 {
  font-size: 14px;
  font-weight: 800;
  margin: 14px 0 9px;
}
.process-card p {
  font-size: 12px;
  line-height: 1.6;
}
.resource-card {
  height: 100%;
  display: block;
  background: #fff;
  padding: 30px 24px;
  border: 1px solid #e8edf2;
  border-radius: 12px;
  transition: transform 0.35s, box-shadow 0.35s;
}
.resource-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 15px 30px #102b4920;
}
.resource-card > i {
  display: grid;
  place-items: center;
  background: var(--navy);
  color: #fff;
  width: 52px;
  height: 52px;
  border-radius: 9px;
  font-size: 25px;
  margin-bottom: 22px;
}
.resource-card h3 {
  font-size: 16px;
  font-weight: 800;
  color: var(--navy);
  min-height: 43px;
}
.resource-card p {
  font-size: 13px;
  min-height: 85px;
}
.calculator-card {
  background: #fff;
  border-radius: 14px;
  padding: 35px;
  box-shadow: 0 15px 50px #0a31501a;
  border: 1px solid #edf1f5;
}
.form-label {
  font-size: 12px;
  font-weight: 800;
}
.form-control {
  padding: 12px;
  border-color: #dce5ed;
}
.form-control:focus {
  border-color: #c99a45;
  box-shadow: 0 0 0 0.2rem #e9b95c33;
}
.calculator-result {
  background: var(--navy);
  color: #fff;
  padding: 22px;
  border-radius: 10px;
  margin: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 15px;
}
.calculator-result span {
  font-size: 13px;
}
.calculator-result strong {
  font-size: clamp(21px, 3vw, 31px);
  color: var(--gold2);
}
.advisory-section {
  background-image: linear-gradient(#062746ed, #041b31f2),
    url("https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=2000&q=75");
  background-position: center;
  background-size: cover;
}
.advisory-card {
  background: #001a31a8;
  border: 1px solid #ffffff1a;
  text-align: center;
  color: #fff;
  border-radius: 10px;
  padding: 30px 16px;
  height: 100%;
  transition: transform 0.35s, background 0.35s;
}
.advisory-card:hover {
  transform: translateY(-9px);
  background: #153d5d;
}
.advisory-card > i {
  font-size: 30px;
  color: var(--gold);
}
.advisory-card h3 {
  font-size: 14px;
  font-weight: 800;
  line-height: 1.5;
  min-height: 43px;
  margin: 16px 0 10px;
}
.advisory-card p {
  font-size: 12px;
  color: #d1dce8;
  line-height: 1.7;
  min-height: 82px;
}
.advisory-card a {
  color: var(--gold2);
}
.cta-section {
  display: grid;
  grid-template-columns: 45% 55%;
  min-height: 350px;
}
.cta-image {
  background: url("https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=1100&q=85")
    center/cover;
}
.cta-content {
  padding: 65px clamp(25px, 6vw, 100px);
}
.cta-content p {
  color: var(--muted);
  line-height: 1.8;
}
.footer {
  background: #041b31;
  color: #d6e0eb;
  padding: 65px 0 20px;
}
.footer-logo {
  width: 230px;
  max-width: 100%;
  filter: brightness(0) invert(1);
  margin-bottom: 20px;
}
.footer p {
  font-size: 12px;
  line-height: 1.8;
  color: #aebed0;
}
.footer h4 {
  font-size: 14px;
  font-weight: 800;
  color: #fff;
  margin-bottom: 22px;
}
.footer a {
  display: block;
  color: #b7c7d7;
  font-size: 12px;
  margin-bottom: 11px;
}
.footer a:hover {
  color: var(--gold);
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  border-top: 1px solid #ffffff25;
  padding-top: 24px;
  margin-top: 35px;
  font-size: 11px;
  color: #9fb2c5;
}
.back-to-top {
  position: fixed;
  right: 22px;
  bottom: 22px;
  background: var(--gold);
  color: var(--navy);
  height: 45px;
  width: 45px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  box-shadow: 0 8px 20px #0002;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s, transform 0.3s;
  z-index: 50;
}
.back-to-top.visible {
  opacity: 1;
  pointer-events: auto;
}
.back-to-top:hover {
  transform: translateY(-5px);
}
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
@media (max-width: 1199px) {
  .navbar-collapse {
    padding: 16px 0;
  }
  .nav-cta {
    margin-top: 10px;
  }
  .hero .carousel-item {
    height: 560px;
  }
}
@media (max-width: 767px) {
  .navbar-brand img {
    width: 185px;
  }
  .hero {
    margin-top: 85px;
  }
  .hero .carousel-item {
    height: 570px;
    background-position: center;
  }
  .hero .carousel-item {
    background-image: linear-gradient(90deg, #02162aeb, #02162a91),
      var(--slide-image);
  }
  .hero h1,
  .hero h2 {
    letter-spacing: -1px;
  }
  .hero-copy p {
    font-size: 15px;
  }
  .hero-benefits .row > div {
    border: 0;
  }
  .hero-benefits i {
    font-size: 23px;
  }
  .section {
    padding: 65px 0;
  }
  .about-visual > img {
    height: 300px;
  }
  .service-image {
    height: 185px;
  }
  .cta-section {
    grid-template-columns: 1fr;
  }
  .cta-image {
    height: 240px;
  }
  .cta-content {
    padding: 45px 25px;
  }
  .calculator-result {
    display: block;
  }
  .calculator-result strong {
    display: block;
    margin-top: 10px;
  }
  .carousel-control-prev,
  .carousel-control-next {
    display: none;
  }
}
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *:before,
  *:after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  .reveal {
    opacity: 1;
    transform: none;
  }
}

/* Top information bar shared with About Us page */
.liger-topbar {
  background: #062743;
  color: #e6edf5;
  font-size: 12px;
  font-weight: 600;
}
.liger-topbar .container {
  min-height: 42px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px 25px;
  padding-top: 8px;
  padding-bottom: 8px;
}
.topbar-tagline {
  color: #f3c775;
  letter-spacing: 0.01em;
  font-size:14px;
  font-style:italic;
}
.topbar-contact {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 12px;
  flex-wrap: wrap;
}
.topbar-contact a,
.topbar-contact span {
  color: #e6edf5;
  white-space: nowrap;
}
.topbar-contact a:hover {
  color: #f3c775;
}
.topbar-contact i {
  color: #f3c775;
  margin-right: 5px;
}
/* Header height is measured dynamically for the fixed navigation */
.hero {
  margin-top: var(--liger-header-height, 127px);
}
html {
  scroll-padding-top: calc(var(--liger-header-height, 127px) + 12px);
}
/* Hover dropdown for desktop mouse / trackpad, Bootstrap click on touch */
@media (min-width: 1200px) and (hover: hover) and (pointer: fine) {
  .site-header .navbar .dropdown:hover > .dropdown-menu,
  .site-header .navbar .dropdown:focus-within > .dropdown-menu {
    display: block;
    margin-top: 0;
    animation: ligerDropdown 0.18s ease-out both;
  }
  .site-header .navbar .dropdown-menu {
    margin-top: 0;
  }
  .site-header .navbar .dropdown > .dropdown-toggle {
    cursor: pointer;
  }
}
@keyframes ligerDropdown {
  from {
    opacity: 0;
    transform: translateY(8px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
@media (max-width: 991px) {
  .liger-topbar .container {
    justify-content: center;
    text-align: center;
    flex-direction: column;
    gap: 6px;
  }
  .topbar-contact {
    justify-content: center;
    gap: 8px 16px;
  }
}
@media (max-width: 575px) {
  .liger-topbar {
    font-size: 10px;
  }
  .topbar-contact {
    gap: 5px 12px;
  }
  .topbar-contact span {
    display: none;
  }
}
@media (prefers-reduced-motion: reduce) {
  .site-header .navbar .dropdown:hover > .dropdown-menu {
    animation: none;
  }
}
/* CONTACT PAGE ONLY — shared branding/navigation comes from assets/style.css */
      .contact-hero {
        margin-top: var(--liger-header-height, 127px);
        min-height: 380px;
        display: flex;
        align-items: center;
        position: relative;
        background: linear-gradient(90deg, rgba(3, 25, 46, .97) 0%, rgba(5, 34, 61, .87) 48%, rgba(6, 38, 65, .35) 100%), url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=2200&q=85') center 46%/cover;
        color: #fff;
        overflow: hidden
      }

      .contact-hero:after {
        content: "";
        position: absolute;
        right: -100px;
        bottom: -150px;
        width: 430px;
        height: 430px;
        border: 1px solid #ffffff28;
        border-radius: 50%;
        box-shadow: 0 0 0 70px #ffffff08, 0 0 0 145px #ffffff05;
        pointer-events: none
      }

      .contact-hero .container {
        position: relative;
        z-index: 1;
        padding-top: 65px;
        padding-bottom: 65px
      }

      .contact-hero h1 {
        font-size: clamp(30px, 5vw, 45px);
        font-weight: 800;
        letter-spacing: 1px;
        margin: 15px 0
      }

      .contact-hero h1 span {
        color: var(--gold2)
      }

      .contact-hero p {
        max-width: 610px;
        color: #e1eaf2;
        line-height: 1.85;
        font-size: 16px
      }

      .breadcrumb {
        margin: 0;
        font-size: 12px
      }

      .breadcrumb-item a {
        color: #d6e3ef
      }

      .breadcrumb-item.active {
        color: var(--gold2)
      }

      .breadcrumb-item+.breadcrumb-item:before {
        color: #9eb4c8
      }

      .contact-intro {
        max-width: 770px
      }

      .contact-intro p {
        font-size: 15px
      }

      .contact-info-card {
        height: 100%;
        border: 1px solid #e7edf4;
        background: #fff;
        border-radius: 14px;
        padding: 30px;
        box-shadow: 0 14px 36px #0a274310;
        transition: transform .35s, box-shadow .35s
      }

      .contact-info-card:hover {
        transform: translateY(-7px);
        box-shadow: 0 22px 45px #0a27431e
      }

      .contact-icon {
        height: 58px;
        width: 58px;
        border-radius: 12px;
        background: #f9f0df;
        color: #9b6b20;
        display: grid;
        place-items: center;
        font-size: 26px;
        margin-bottom: 20px
      }

      .contact-info-card h3 {
        font-size: 17px;
        font-weight: 800
      }

      .contact-info-card p {
        font-size: 13px;
        color: var(--muted);
        margin: 12px 0 18px;
        line-height: 1.8
      }

      .contact-info-card a {
        color: var(--navy);
        font-weight: 400;
        font-size: 15px;
        overflow-wrap: anywhere
      }

      .contact-info-card a:hover {
        color: #ae7926
      }

      .form-section {
        background: #f4f7fa
      }

      .form-panel {
        background: #fff;
        border: 1px solid #e5ebf0;
        border-radius: 17px;
        padding: clamp(24px, 4vw, 48px);
        box-shadow: 0 22px 65px #0a274313;
		float:left;
		width:100%;
      }

      .form-panel h2 {
        font-size: clamp(26px, 3vw, 30px);
        font-weight: 800;
        letter-spacing: -.8px
      }

      .form-panel .form-control,
      .form-panel .form-select {
        min-height: 50px;
        border-radius: 7px;
        border: 1px solid #dbe3eb;
        background: #fbfcfe;
        font-size: 14px
      }

      .form-panel textarea.form-control {
        min-height: 100px
      }

      .form-panel .form-control:focus,
      .form-panel .form-select:focus {
        border-color: #d4aa61;
        box-shadow: 0 0 0 .2rem #e9b95c25
      }

      .form-panel .form-label {
        font-size: 12px;
        color: #263d56;
        font-weight: 800;
        margin-bottom: 8px
      }

      .required-mark {
        color: #a66e1e
      }

      .form-side {
        background: #082746;
        border-radius: 17px;
        padding: clamp(27px, 3vw, 42px);
        color: #fff;
        height: 100%;
        position: relative;
        overflow: hidden
      }

      .form-side:after {
        content: "";
        position: absolute;
        right: -85px;
        bottom: -85px;
        width: 240px;
        height: 240px;
        border: 1px solid #ffffff25;
        border-radius: 50%;
        pointer-events: none
      }

      .form-side h3 {
        font-size: 26px;
        line-height: 1.4;
        font-weight: 800
      }

      .form-side p {
        color: #cbd9e6;
        line-height: 1.8;
        font-size: 14px
      }

      .form-side .step {
        display: flex;
        gap: 15px;
        align-items: flex-start;
        padding: 20px 0;
        border-top: 1px solid #ffffff22
      }

      .step-number {
        flex: none;
        width: 37px;
        height: 37px;
        border: 1px solid #e9b95c66;
        border-radius: 50%;
        display: grid;
        place-items: center;
        color: var(--gold2);
        font-weight: 800;
        font-size: 12px
      }

      .form-side .step strong {
        display: block;
        font-size: 14px;
        margin-bottom: 6px
      }

      .form-side .step span {
        color: #b9ccdc;
        font-size: 12px;
        line-height: 1.6;
        display: block
      }

      .contact-note {
        font-size: 12px;
        color: #667789;
        line-height: 1.65
      }

      .contact-note a {
        color: #8e611c;
        text-decoration: underline
      }

      .contact-highlight {
        background: #fff;
        border: 1px solid #e6edf3;
        border-radius: 13px;
        padding: 28px;
        height: 100%
      }

      .contact-highlight i {
        font-size: 27px;
        color: #b98636
      }

      .contact-highlight h3 {
        font-size: 16px;
        font-weight: 800;
        margin: 14px 0 10px
      }

      .contact-highlight p {
        font-size: 13px;
        line-height: 1.75;
        color: #667789;
        margin: 0
      }

      .location-panel {
        background: linear-gradient(110deg, #061e36, #0c3658);
        border-radius: 16px;
        overflow: hidden;
        color: #fff;
        min-height: 300px;
        display: grid;
        grid-template-columns: 1fr 1fr
      }

      .location-photo {
        background: url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=1200&q=85') center/cover;
        min-height: 290px
      }

      .location-copy {
        padding: clamp(30px, 5vw, 60px);
        display: flex;
        flex-direction: column;
        justify-content: center
      }

      .location-copy h2 {
        font-size: clamp(25px, 3vw, 36px);
        font-weight: 800
      }

      .location-copy p {
        color: #d4e2ed;
        line-height: 1.85
      }

      .location-copy .btn {
        align-self: flex-start
      }

      .contact-faq .accordion-item {
        border: 1px solid #e5ecf2;
        border-radius: 9px !important;
        margin-bottom: 12px;
        overflow: hidden
      }

      .contact-faq .accordion-button {
        font-size: 14px;
        font-weight: 800;
        color: var(--navy);
        padding: 20px 22px
      }

      .contact-faq .accordion-button:not(.collapsed) {
        background: #f4f7fa;
        box-shadow: none
      }

      .contact-faq .accordion-button:focus {
        box-shadow: 0 0 0 .2rem #e9b95c30
      }

      .contact-faq .accordion-body {
        font-size: 13px;
        line-height: 1.85;
        color: #667789
      }

      @media(max-width:991px) {
        .location-panel {
          grid-template-columns: 1fr
        }

        .location-photo {
          min-height: 220px;
          order: 2
        }

        .location-copy {
          order: 1
        }
      }

      @media(max-width:575px) {
        .contact-hero {
          min-height: 320px
        }

        .contact-hero .container {
          padding-top: 45px;
          padding-bottom: 45px
        }

        .contact-info-card {
          padding: 24px
        }
      }
	  .about-hero {
        margin-top: var(--liger-header-height, 127px);
        position: relative;
        min-height: 430px;
        display: flex;
        align-items: center;
        background: linear-gradient(90deg, rgba(3, 25, 46, .97), rgba(5, 34, 61, .83) 54%, rgba(5, 34, 61, .30)), url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=2000&q=85') center/cover;
        color: white
      }

      .about-hero .container {
        padding-top: 75px;
        padding-bottom: 75px
      }

      .about-hero h1 {
        font-size: clamp(40px, 5.5vw, 45px);
        font-weight: 800;
        letter-spacing:1px;
      }

      .about-hero h1 span {
        color: var(--gold2)
      }

      .about-hero p {
        max-width: 650px;
        color: #dce7f1;
        font-size: 16px;
        line-height: 1.85
      }

      .about-hero .breadcrumb {
        font-size: 12px
      }

      .about-hero .breadcrumb a {
        color: #e5edf5
      }

      .about-hero .breadcrumb-item.active {
        color: var(--gold2)
      }

      .about-hero .breadcrumb-item+.breadcrumb-item:before {
        color: #a4b8c9
      }

      .about-kicker {
        font-size: 12px;
        letter-spacing: .16em;
        text-transform: uppercase;
        color: #b18135;
        font-weight: 800;
        margin-bottom: 12px
      }

      .about-title {
        font-size: clamp(30px, 3.4vw, 40px);
        font-weight: 800;
        letter-spacing: 1px;
        line-height: 1.19;
        margin-bottom: 22px;
        color: #082746
      }

      .about-title em {
        font-style: normal;
        color: #b88434
      }

      .about-text {
        font-size: 15px;
        color: #607184;
        line-height: 1.9
      }

      .about-photo {
        position: relative
      }

      .about-photo img {
        width: 100%;
        height: 450px;
        object-fit: cover;
        border-radius: 16px
      }

      .about-photo-badge {
        position: absolute;
        bottom: 22px;
        left: -22px;
        max-width: 235px;
        background: #082746;
        color: #fff;
        padding: 24px;
        border-radius: 12px;
        box-shadow: 0 20px 35px #061e3650
      }

      .about-photo-badge i {
        color: #e9b95c;
        font-size: 27px
      }

      .about-photo-badge strong {
        display: block;
        font-size: 15px;
        margin-top: 8px
      }

      .about-photo-badge span {
        font-size: 12px;
        color: #d0dce8;
        line-height: 1.65;
        display: block;
        margin-top: 6px
      }

      .about-section {
        padding: 95px 0
      }

      .about-muted {
        background: #f3f7fa
      }

      .about-card {
        background: #fff;
        border: 1px solid #e3ebf2;
        border-radius: 14px;
        padding: 31px;
        height: 100%;
        transition: transform .3s, box-shadow .3s
      }

      .about-card:hover {
        transform: translateY(-7px);
        box-shadow: 0 20px 40px #092b491c
      }

      .about-card .ic {
        display: grid;
        place-items: center;
        width: 57px;
        height: 57px;
        border-radius: 13px;
        background: #f8efdf;
        color: #ac792b;
        font-size: 26px;
        margin-bottom: 22px
      }

      .about-card h3 {
        font-size: 18px;
        font-weight: 800;
        margin-bottom: 12px
      }

      .about-card p {
        font-size: 14px;
        color: #647587;
        line-height: 1.85;
        margin: 0
      }

      .mission-panel {
        background: #082746;
        color: #fff;
        border-radius: 17px;
        padding: clamp(30px, 4vw, 54px);
        height: 100%;
        position: relative;
        overflow: hidden
      }

      .mission-panel.vision {
        background: #0d3959
      }

      .mission-panel i {
        font-size: 38px;
        color: #f1c46b
      }

      .mission-panel h3 {
        font-size: 27px;
        font-weight: 800;
        margin: 19px 0 14px
      }

      .mission-panel p {
        color: #d4e1eb;
        font-size: 15px;
        line-height: 1.9;
        margin: 0
      }

      .value-card {
        border: 1px solid #e4ebf1;
        border-radius: 13px;
        padding: 27px;
        background: white;
        height: 100%;
        transition: transform .3s
      }

      .value-card:hover {
        transform: translateY(-6px)
      }

      .value-card i {
        color: #b48132;
        font-size: 30px
      }

      .value-card h3 {
        font-size: 16px;
        font-weight: 800;
        margin: 17px 0 10px
      }

      .value-card p {
        font-size: 13px;
        color: #66788a;
        line-height: 1.8;
        margin: 0
      }

      .approach-step {
        display: flex;
        gap: 20px;
        align-items: flex-start;
        margin-bottom: 27px
      }

      .approach-step .num {
        flex: none;
        width: 48px;
        height: 48px;
        border-radius: 50%;
        background: #f7ebd5;
        color: #9d6b23;
        display: grid;
        place-items: center;
        font-weight: 800
      }

      .approach-step h3 {
        font-size: 17px;
        font-weight: 800
      }

      .approach-step p {
        font-size: 14px;
        color: #667789;
        line-height: 1.8
      }

      .approach-photo {
        width: 100%;
        height: 470px;
        object-fit: cover;
        border-radius: 15px
      }

      .about-cta {
        background: linear-gradient(95deg, rgba(4, 28, 51, .95), rgba(5, 37, 66, .82)), url('../web/sl3.jpg') center/cover;
        color: white;
        padding: 78px 0
      }

      .about-cta h2 {
        font-size: clamp(28px, 3.5vw, 43px);
        font-weight: 800;
        letter-spacing: -.035em
      }

      .about-cta p {
        color: #d7e4ee;
        max-width: 650px;
        margin: 18px auto 28px;
        line-height: 1.8
      }

      .about-cta .btn {
        margin: 4px
      }

      .about-note {
        font-size: 12px;
        color: #738295;
        margin-top: 16px
      }

      @media(max-width:991px) {
        .about-photo-badge {
          left: 15px
        }

        .about-photo img {
          height: 360px
        }

        .approach-photo {
          height: 350px
        }
      }

      @media(max-width:575px) {
        .about-section {
          padding: 65px 0
        }

        .about-hero {
          min-height: 350px
        }

        .about-hero .container {
          padding-top: 50px;
          padding-bottom: 50px
        }
      }
	  .buyer-hero {
        margin-top: var(--liger-header-height, 127px);
        min-height: 490px;
        display: flex;
        align-items: center;
        color: white;
        background: linear-gradient(90deg, rgba(3, 24, 43, .96), rgba(5, 35, 64, .84) 53%, rgba(3, 31, 55, .25)), url('../web/serbanner.jpg') center/cover
      }

      .buyer-hero .container {
        padding-top: 75px;
        padding-bottom: 75px
      }

      .buyer-hero h1 {
        font-size: clamp(37px, 5vw, 45px);
        font-weight: 800;
        line-height: 1.12;
        letter-spacing: 1px;
        max-width: 790px
      }

      .buyer-hero h1 span,
      .gold-text {
        color: #e8bd65
      }

      .buyer-hero p {
        max-width: 650px;
        color: #e1e9f0;
        line-height: 1.8
      }

      .buyer-hero .breadcrumb {
        font-size: 12px
      }

      .buyer-hero .breadcrumb a {
        color: #e2ebf4
      }

      .buyer-hero .breadcrumb-item.active {
        color: #e8bd65
      }

      .buyer-hero .breadcrumb-item+.breadcrumb-item:before {
        color: #a7b9c7
      }

      .buyer-kicker {
        font-size: 12px;
        font-weight: 800;
        letter-spacing: .15em;
        color: #b68a36;
        text-transform: uppercase
      }

      .buyer-title {
        font-weight: 800;
        letter-spacing: 1px;
        color: #092d4e;
        font-size: clamp(25px, 3.4vw, 30px)
      }

      .buyer-text {
        color: #617083;
        line-height: 1.85
      }

      .buyer-section {
        padding: 90px 0
      }

      .buyer-soft {
        background: #f4f7fa
      }

      .buyer-photo {
        width: 100%;
        height: 430px;
        object-fit: cover;
        border-radius: 16px;
        box-shadow: 0 20px 55px #092a4717
      }

      .buyer-card {
        height: 100%;
        background: white;
        border: 1px solid #e5edf2;
        border-radius: 14px;
        padding: 29px;
        box-shadow: 0 9px 28px #092a470a;
        transition: transform .25s, box-shadow .25s
      }

      .buyer-card:hover {
        transform: translateY(-7px);
        box-shadow: 0 18px 40px #092a4720
      }

      .buyer-icon {
        height: 58px;
        width: 58px;
        display: grid;
        place-items: center;
        border-radius: 12px;
        background: #f7eedb;
        color: #a87b28;
        font-size: 25px;
        margin-bottom: 20px
      }

      .buyer-card h3 {
        font-size: 19px;
        font-weight: 800;
        color: #092d4e
      }

      .buyer-card p {
        color: #647285;
        line-height: 1.8;
        margin-bottom: 0;
        font-size: 14px
      }

      .buyer-step {
        display: flex;
        gap: 20px;
        padding: 20px 0;
        border-bottom: 1px solid #e1e8ed
      }

      .buyer-step:last-child {
        border-bottom: 0
      }

      .buyer-step .num {
        flex: none;
        width: 43px;
        height: 43px;
        display: grid;
        place-items: center;
        background: #092d4e;
        color: #eac16c;
        border-radius: 50%;
        font-weight: 800
      }

      .buyer-step h3 {
        font-size: 18px;
        font-weight: 800;
        color: #092d4e
      }

      .buyer-step p {
        color: #647285;
        margin: 0;
        line-height: 1.7
      }

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

      .buyer-check li {
        padding: 11px 0;
        display: flex;
        gap: 13px;
        color: #4d6175
      }

      .buyer-check i {
        color: #b58a3c
      }

      .buyer-dark {
        background: #082b4a;
        color: white
      }

      .buyer-dark .buyer-title {
        color: white
      }

      .buyer-dark .buyer-text {
        color: #cbd7e2
      }

      .buyer-stat {
        border: 1px solid #ffffff25;
        padding: 24px;
        border-radius: 13px;
        height: 100%
      }

      .buyer-stat i {
        font-size: 28px;
        color: #e8bd65
      }

      .buyer-stat h3 {
        font-size: 18px;
        margin: 14px 0 7px;
        font-weight: 800
      }

      .buyer-stat p {
        font-size: 14px;
        color: #cad7e2;
        line-height: 1.75;
        margin: 0
      }

      .buyer-faq .accordion-item {
        border: 1px solid #e2eaf0;
        margin-bottom: 12px;
        border-radius: 10px;
        overflow: hidden
      }

      .buyer-faq .accordion-button {
        font-weight: 750;
        color: #092d4e;
        padding: 21px
      }

      .buyer-faq .accordion-button:not(.collapsed) {
        background: #f4f7fa;
        box-shadow: none
      }

      .buyer-faq .accordion-body {
        color: #5e7182;
        line-height: 1.8
      }

      .buyer-cta {
        background: linear-gradient(90deg, rgba(5, 32, 57, .96), rgba(5, 32, 57, .8)), url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1700&q=80') center/cover;
        color: white;
        border-radius: 18px;
        padding: 55px
      }

      .buyer-cta h2 {
        font-size: clamp(28px, 3vw, 30px);
        font-weight: 800
      }

      .buyer-cta p {
        color: #d7e2ed
      }

      .buyer-btn {
        background: #e6b75c;
        color: #092944;
        border: 1px solid #e6b75c;
        padding: 13px 25px;
        font-weight: 800;
        border-radius: 5px;
        text-decoration: none;
        display: inline-flex;
        align-items: center;
        gap: 9px
      }

      .buyer-btn:hover {
        background: #f4cd7f;
        color: #092944
      }

      .buyer-outline {
        display: inline-flex;
        align-items: center;
        gap: 9px;
        border: 1px solid #ffffff9c;
        color: white;
        padding: 13px 24px;
        text-decoration: none;
        border-radius: 5px;
        font-weight: 700
      }

      .buyer-outline:hover {
        background: white;
        color: #082b4a
      }

      .buyer-small {
        font-size: 13px;
        color: #7b8997
      }

      .buyer-side {
        border-left: 4px solid #e3b45d;
        background: #f8fafb;
        padding: 22px 26px;
        border-radius: 0 12px 12px 0
      }

      .buyer-side strong {
        color: #0b2d4c
      }
/* UAE resident page additions; shared assets remain unchanged */
      .resident-hero {
        background-image: linear-gradient(90deg, rgba(3, 24, 43, .97), rgba(5, 35, 64, .82) 53%, rgba(3, 31, 55, .3)), url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=2000&q=85')
      }

      .resident-steps {
        display: grid;
        gap: 18px
      }

      .resident-step {
        display: flex;
        gap: 22px;
        padding: 22px 24px;
        border: 1px solid #e8edf2;
        border-radius: 12px;
        background: #fff;
        box-shadow: 0 8px 24px rgba(7, 39, 67, .045)
      }

      .resident-step>span {
        font-family: Manrope, sans-serif;
        font-size: 26px;
        font-weight: 800;
        color: #d7a852;
        line-height: 1.1
      }

      .resident-step h3 {
        font-size: 18px;
        color: #092d4e;
        font-weight: 800;
        margin-bottom: 7px
      }

      .resident-step p {
        font-size: 14px;
        color: #647586;
        line-height: 1.75;
        margin: 0
      }

      @media(max-width:575px) {
        .resident-step {
          gap: 14px;
          padding: 18px
        }

        .resident-step>span {
          font-size: 22px
        }
      }
      @media(max-width:991px) {
        .buyer-section {
          padding: 65px 0
        }

        .buyer-hero {
          min-height: 430px
        }

        .buyer-photo {
          height: 330px
        }
      }
	  /* Non-resident mortgage page: standalone page-specific CSS */
      .nonresident-hero {
        background-image: linear-gradient(90deg, rgba(3, 24, 43, .97), rgba(5, 35, 64, .85) 54%, rgba(3, 31, 55, .28)), url("https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=2000&q=85")
      }

      .nonresident-note {
        border-left: 4px solid #d9ab55;
        background: #fff9ee;
        padding: 19px 24px;
        border-radius: 0 12px 12px 0;
        color: #4f6170;
        line-height: 1.8
      }

      .nonresident-note strong {
        color: #092d4e
      }

      .nonresident-pills {
        display: flex;
        flex-wrap: wrap;
        gap: 10px
      }

      .nonresident-pills span {
        background: #edf3f8;
        color: #123957;
        border-radius: 100px;
        padding: 9px 15px;
        font-size: 13px;
        font-weight: 700
      }

      .nonresident-grid {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 18px
      }

      .nonresident-panel {
        padding: 26px;
        border: 1px solid #e3eaf0;
        border-radius: 14px;
        background: #fff
      }

      .nonresident-panel i {
        font-size: 25px;
        color: #b78935
      }

      .nonresident-panel h3 {
        font-size: 17px;
        font-weight: 800;
        color: #092d4e;
        margin: 12px 0
      }

      .nonresident-panel p {
        color: #617083;
        line-height: 1.8;
        margin: 0;
        font-size: 14px
      }

      .nonresident-steps {
        counter-reset: steps
      }

      .nonresident-step {
        display: flex;
        gap: 20px;
        padding: 20px 0;
        border-bottom: 1px solid #e1e8ed
      }

      .nonresident-step:last-child {
        border: 0
      }

      .nonresident-step .num {
        width: 45px;
        height: 45px;
        border-radius: 50%;
        background: #0a2d4c;
        color: #edc06d;
        display: grid;
        place-items: center;
        font-weight: 800;
        flex: none
      }

      .nonresident-step h3 {
        font-size: 18px;
        font-weight: 800;
        color: #092d4e
      }

      .nonresident-step p {
        color: #617083;
        line-height: 1.75;
        margin: 0
      }

      .nonresident-banner {
        background: #0a2d4c;
        color: white;
        border-radius: 16px;
        padding: 28px
      }

      .nonresident-banner p {
        color: #d3dfe9;
        line-height: 1.8;
        margin: 0
      }
	  .invest-hero {
        background-image: linear-gradient(90deg, rgba(3, 24, 43, .97), rgba(5, 35, 64, .84) 54%, rgba(3, 31, 55, .25)), url("../web/ser6.jpg")
      }

      .invest-highlight {
        background: #fff9ec;
        border-left: 4px solid #e6b75c;
        padding: 24px;
        border-radius: 0 12px 12px 0;
        color: #536779;
        line-height: 1.8
      }

      .invest-metric {
        padding: 28px;
        border: 1px solid #e1e9ef;
        background: #fff;
        border-radius: 15px;
        height: 100%;
        box-shadow: 0 12px 32px #092a470a
      }

      .invest-metric i {
        font-size: 27px;
        color: #bd8f3b
      }

      .invest-metric h3 {
        font-size: 19px;
        color: #092d4e;
        font-weight: 800;
        margin: 16px 0 8px
      }

      .invest-metric p {
        font-size: 14px;
        line-height: 1.8;
        color: #607386;
        margin: 0
      }

      .invest-process {
        display: flex;
        gap: 20px;
        padding: 22px 0;
        border-bottom: 1px solid #e1e8ed
      }

      .invest-process:last-child {
        border: 0
      }

      .invest-process .num {
        height: 46px;
        width: 46px;
        flex: none;
        border-radius: 50%;
        background: #092d4e;
        color: #e8bd65;
        display: grid;
        place-items: center;
        font-weight: 800
      }

      .invest-process h3 {
        font-size: 18px;
        font-weight: 800;
        color: #092d4e
      }

      .invest-process p {
        color: #647285;
        line-height: 1.75;
        margin: 0
      }

      .invest-band {
        background: #0a2d4c;
        border-radius: 16px;
        color: #fff;
        padding: 30px
      }

      .invest-band h3 {
        font-size: 21px;
        font-weight: 800
      }

      .invest-band p {
        color: #cbd9e6;
        line-height: 1.8;
        margin: 0
      }
.refi-hero {
        margin-top: var(--liger-header-height, 127px);
        min-height: 490px;
        display: flex;
        align-items: center;
        color: #fff;
        background: linear-gradient(90deg, rgba(3, 24, 43, .97), rgba(5, 35, 64, .84) 56%, rgba(3, 31, 55, .34)), url("../web/sl3.jpg") center/cover
      }

      .refi-hero .container {
        padding: 76px 12px
      }

      .refi-hero h1 {
        font-size: clamp(30px, 5vw, 45px);
        line-height: 1.13;
        letter-spacing: 1px;
        font-weight: 800;
        max-width: 820px
      }

      .refi-hero h1 span {
        color: #e8bd65
      }

      .refi-hero p {
        color: #e1e9f0;
        line-height: 1.85;
        max-width: 680px
      }

      .refi-hero .breadcrumb,
      .refi-hero .breadcrumb a {
        font-size: 12px;
        color: #e5edf4
      }

      .refi-hero .breadcrumb-item.active {
        color: #e8bd65
      }

      .refi-hero .breadcrumb-item+.breadcrumb-item:before {
        color: #a9bbcc
      }

      .refi-section {
        padding: 88px 0
      }

      .refi-soft {
        background: #f4f7fa
      }

      .refi-dark {
        background: #082b4a;
        color: #fff
      }

      .refi-dark .refi-title {
        color: #fff
      }

      .refi-dark .refi-text {
        color: #d0dce6
      }

      .refi-kicker {
        font-size: 12px;
        font-weight: 800;
        letter-spacing: .15em;
        color: #b68a36;
        text-transform: uppercase
      }

      .refi-title {
        font-size: clamp(25px, 3.4vw, 30px);
        font-weight: 800;
        letter-spacing:1px;
        color: #092d4e
      }

      .refi-text {
        color: #617083;
        line-height: 1.85
      }

      .refi-photo {
        width: 100%;
        height: 440px;
        object-fit: cover;
        border-radius: 16px;
        box-shadow: 0 20px 50px #092a471a
      }

      .refi-card {
        height: 100%;
        background: #fff;
        border: 1px solid #e2eaf0;
        border-radius: 15px;
        padding: 28px;
        box-shadow: 0 10px 28px #092a470a;
        transition: transform .25s, box-shadow .25s
      }

      .refi-card:hover {
        transform: translateY(-6px);
        box-shadow: 0 18px 40px #092a471c
      }

      .refi-card i {
        font-size: 29px;
        color: #b88936
      }

      .refi-card h3 {
        font-size: 19px;
        font-weight: 800;
        color: #092d4e;
        margin: 17px 0 10px
      }

      .refi-card p {
        color: #647285;
        font-size: 14px;
        line-height: 1.8;
        margin: 0
      }

      .refi-step {
        display: flex;
        gap: 19px;
        padding: 22px 0;
        border-bottom: 1px solid #e1e8ed
      }

      .refi-step:last-child {
        border-bottom: 0
      }

      .refi-step .num {
        flex: none;
        width: 45px;
        height: 45px;
        border-radius: 50%;
        background: #092d4e;
        color: #e8bd65;
        display: grid;
        place-items: center;
        font-weight: 800
      }

      .refi-step h3 {
        font-size: 18px;
        font-weight: 800;
        color: #092d4e
      }

      .refi-step p {
        color: #647285;
        line-height: 1.75;
        margin: 0
      }

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

      .refi-check li {
        padding: 11px 0;
        display: flex;
        gap: 12px;
        color: #52677a
      }

      .refi-check i {
        color: #b58a3c
      }

      .refi-note {
        border-left: 4px solid #e4b458;
        background: #fff9ed;
        border-radius: 0 12px 12px 0;
        padding: 22px 25px;
        color: #586a7b;
        line-height: 1.8
      }

      .refi-note strong {
        color: #092d4e
      }

      .refi-dark-card {
        border: 1px solid #ffffff30;
        border-radius: 13px;
        padding: 25px;
        height: 100%
      }

      .refi-dark-card i {
        font-size: 28px;
        color: #e8bd65
      }

      .refi-dark-card h3 {
        font-size: 18px;
        font-weight: 800;
        margin: 15px 0 9px
      }

      .refi-dark-card p {
        color: #d1dce6;
        font-size: 14px;
        line-height: 1.8;
        margin: 0
      }

      .refi-btn {
        display: inline-flex;
        align-items: center;
        gap: 9px;
        text-decoration: none;
        background: #e6b75c;
        color: #092944;
        border: 1px solid #e6b75c;
        padding: 13px 25px;
        border-radius: 5px;
        font-weight: 800
      }

      .refi-btn:hover {
        background: #f5cd7d;
        color: #092944
      }

      .refi-outline {
        display: inline-flex;
        align-items: center;
        gap: 9px;
        text-decoration: none;
        border: 1px solid #ffffffa6;
        color: #fff;
        padding: 13px 24px;
        border-radius: 5px;
        font-weight: 700
      }

      .refi-outline:hover {
        background: #fff;
        color: #092944
      }

      .refi-faq .accordion-item {
        border: 1px solid #e2eaf0;
        border-radius: 10px;
        overflow: hidden;
        margin-bottom: 12px
      }

      .refi-faq .accordion-button {
        font-weight: 750;
        color: #092d4e;
        padding: 21px
      }

      .refi-faq .accordion-button:not(.collapsed) {
        background: #f4f7fa;
        box-shadow: none
      }

      .refi-faq .accordion-body {
        color: #5e7182;
        line-height: 1.85
      }

      .refi-cta {
        background: linear-gradient(90deg, rgba(5, 32, 57, .96), rgba(5, 32, 57, .79)), url("https://images.unsplash.com/photo-1600596542815-ffad4c1539a9?auto=format&fit=crop&w=1700&q=80") center/cover;
        color: #fff;
        border-radius: 18px;
        padding: 55px
      }

      .refi-cta h2 {
        font-size: clamp(28px, 3vw, 40px);
        font-weight: 800
      }

      .refi-cta p {
        color: #d7e2ed
      }

      .refi-compare {
        border: 1px solid #e1e9ef;
        border-radius: 14px;
        overflow: hidden;
        height: 100%;
        background: #fff
      }

      .refi-compare h3 {
        background: #092d4e;
        color: #fff;
        padding: 20px 25px;
        margin: 0;
        font-size: 20px;
        font-weight: 800
      }

      .refi-compare .inside {
        padding: 25px
      }

      .refi-compare p {
        color: #617083;
        line-height: 1.85
      }

      .refi-compare ul {
        padding-left: 20px;
        color: #52677a;
        line-height: 2
      }

      .refi-compare li::marker {
        color: #b78935
      }
		.boxcard p {
			margin-bottom:15px;
		}
		 .cp-hero {
        margin-top: var(--liger-header-height, 127px);
        min-height: 510px;
        display: flex;
        align-items: center;
        color: #fff;
        background: linear-gradient(90deg, rgba(3, 24, 43, .96), rgba(5, 35, 64, .82) 58%, rgba(3, 31, 55, .32)), url("https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=2000&q=85") center/cover
      }

      .cp-hero .container {
        padding: 75px 12px
      }

      .cp-hero h1 {
        font-size: clamp(37px, 5vw, 45px);
        line-height: 1.12;
        letter-spacing: 1px;
        font-weight: 800;
        max-width: 800px
      }

      .cp-hero h1 span {
        color: #e8bd65
      }

      .cp-hero p {
        color: #e1e9f0;
        line-height: 1.85;
        max-width: 680px
      }

      .cp-hero .breadcrumb,
      .cp-hero .breadcrumb a {
        font-size: 12px;
        color: #e5edf4
      }

      .cp-hero .breadcrumb-item.active {
        color: #e8bd65
      }

      .cp-hero .breadcrumb-item+.breadcrumb-item:before {
        color: #a9bbcc
      }

      .cp-section {
        padding: 88px 0
      }

      .cp-soft {
        background: #f4f7fa
      }

      .cp-dark {
        background: #082b4a;
        color: #fff
      }

      .cp-dark .cp-title {
        color: #fff
      }

      .cp-dark .cp-text {
        color: #d0dce6
      }

      .cp-kicker {
        font-size: 12px;
        font-weight: 800;
        letter-spacing: .15em;
        color: #b68a36;
        text-transform: uppercase
      }

      .cp-title {
        font-size: clamp(25px, 3.5vw, 30px);
        font-weight: 800;
        letter-spacing:1px;
        color: #092d4e
      }

      .cp-text {
        color: #617083;
        line-height: 1.85
      }

      .cp-photo {
        width: 100%;
        height: 440px;
        object-fit: cover;
        border-radius: 16px;
        box-shadow: 0 20px 50px #092a471a
      }

      .cp-card {
        height: 100%;
        background: #fff;
        border: 1px solid #e2eaf0;
        border-radius: 15px;
        padding: 28px;
        box-shadow: 0 10px 28px #092a470a;
        transition: transform .25s, box-shadow .25s
      }

      .cp-card:hover {
        transform: translateY(-6px);
        box-shadow: 0 18px 40px #092a471c
      }

      .cp-card i {
        font-size: 29px;
        color: #b88936
      }

      .cp-card h3 {
        font-size: 19px;
        font-weight: 800;
        color: #092d4e;
        margin: 17px 0 10px
      }

      .cp-card p {
        color: #647285;
        font-size: 14px;
        line-height: 1.8;
        margin: 0
      }

      .cp-step {
        display: flex;
        gap: 19px;
        padding: 22px 0;
        border-bottom: 1px solid #e1e8ed
      }

      .cp-step:last-child {
        border-bottom: 0
      }

      .cp-step .num {
        flex: none;
        width: 45px;
        height: 45px;
        border-radius: 50%;
        background: #092d4e;
        color: #e8bd65;
        display: grid;
        place-items: center;
        font-weight: 800
      }

      .cp-step h3 {
        font-size: 18px;
        font-weight: 800;
        color: #092d4e
      }

      .cp-step p {
        color: #647285;
        line-height: 1.75;
        margin: 0
      }

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

      .cp-check li {
        padding: 11px 0;
        display: flex;
        gap: 12px;
        color: #52677a
      }

      .cp-check i {
        color: #b58a3c
      }

      .cp-note {
        border-left: 4px solid #e4b458;
        background: #fff9ed;
        border-radius: 0 12px 12px 0;
        padding: 22px 25px;
        color: #586a7b;
        line-height: 1.8
      }

      .cp-note strong {
        color: #092d4e
      }

      .cp-btn {
        display: inline-flex;
        align-items: center;
        gap: 9px;
        text-decoration: none;
        background: #e6b75c;
        color: #092944;
        border: 1px solid #e6b75c;
        padding: 13px 25px;
        border-radius: 5px;
        font-weight: 800
      }

      .cp-btn:hover {
        background: #f5cd7d;
        color: #092944
      }

      .cp-outline {
        display: inline-flex;
        align-items: center;
        gap: 9px;
        text-decoration: none;
        border: 1px solid #ffffffa6;
        color: #fff;
        padding: 13px 24px;
        border-radius: 5px;
        font-weight: 700
      }

      .cp-outline:hover {
        background: #fff;
        color: #092944
      }

      .cp-faq .accordion-item {
        border: 1px solid #e2eaf0;
        border-radius: 10px;
        overflow: hidden;
        margin-bottom: 12px
      }

      .cp-faq .accordion-button {
        font-weight: 750;
        color: #092d4e;
        padding: 21px
      }

      .cp-faq .accordion-button:not(.collapsed) {
        background: #f4f7fa;
        box-shadow: none
      }

      .cp-faq .accordion-body {
        color: #5e7182;
        line-height: 1.85
      }

      .cp-cta {
        background: linear-gradient(90deg, rgba(5, 32, 57, .96), rgba(5, 32, 57, .79)), url("https://images.unsplash.com/photo-1497366811353-6870744d04b2?auto=format&fit=crop&w=1700&q=80") center/cover;
        color: #fff;
        border-radius: 18px;
        padding: 55px
      }

      .cp-cta h2 {
        font-size: clamp(28px, 3vw, 30px);
        font-weight: 800
      }

      .cp-cta p {
        color: #d7e2ed
      }

      .cp-type {
        position: relative;
        border-radius: 15px;
        overflow: hidden;
        min-height: 270px;
        display: flex;
        align-items: end;
        background: #092d4e
      }

      .cp-type img {
        position: absolute;
        inset: 0;
        width: 100%;
        height: 100%;
        object-fit: cover;
        transition: transform .4s
      }

      .cp-type:after {
        content: "";
        position: absolute;
        inset: 0;
        background: linear-gradient(0deg, rgba(2, 24, 43, .95), transparent 85%)
      }

      .cp-type:hover img {
        transform: scale(1.06)
      }

      .cp-type div {
        position: relative;
        z-index: 1;
        padding: 24px;
        color: #fff
      }

      .cp-type h3 {
        font-size: 21px;
        font-weight: 800
      }

      .cp-type p {
        color: #dfe8ef;
        font-size: 14px;
        line-height: 1.6;
        margin: 0
      }

      .cp-mini {
        padding: 25px;
        border: 1px solid #ffffff30;
        border-radius: 13px;
        height: 100%
      }

      .cp-mini i {
        font-size: 29px;
        color: #e8bd65
      }

      .cp-mini h3 {
        font-size: 18px;
        font-weight: 800;
        margin: 14px 0 9px
      }

      .cp-mini p {
        font-size: 14px;
        line-height: 1.8;
        color: #d1dce6;
        margin: 0
      }
	  .roundb {
			 
			color: #ffffff;
			font-size: 30px; 
	  }
	  .form-panel p {
		   margin-top:10px;
		   line-height:10px;
		   width:100%;
		   float:left;
		   margin-bottom:20px;
		   padding-bottom:15px;
		   border-bottom:1px solid #eeeeee;
		   line-height:18px;
	  }
	  .iconbox {
		  background:#062743;
		  border-radius:360px;
		  width:50px;
		  height:50px;
		  float:left;
		  text-align:center;
		  margin-right:10px;
		  line-height:1.8;
	  }
	  .form-panel p a {
		  line-height:22px;
		  color:#333333;
	  }
	  .f20 {
		  font-size:20px;
		  padding-bottom:15px;
		  margin-bottom:15px;
		  border-bottom:1px dotted #333333;
		  text-transform:uppercase;
	  }

      @media(max-width:991px) {
        .cp-section {
          padding: 65px 0
        }

        .cp-photo {
          height: 340px
        }
      }

      @media(max-width:575px) {
        .cp-hero .container {
          padding-top: 55px;
          padding-bottom: 55px
        }

        .cp-cta {
          padding: 35px 24px
        }
      }
      @media(max-width:991px) {
        .refi-section {
          padding: 65px 0
        }

        .refi-photo {
          height: 340px
        }
		.topbar-tagline {
			font-size:13px;
		}
      }

      @media(max-width:575px) {
        .refi-hero .container {
          padding-top: 55px;
          padding-bottom: 55px
        }

        .refi-cta {
          padding: 35px 24px
        }
      }
      @media(max-width:575px) {
        .nonresident-grid {
          grid-template-columns: 1fr
        }

        .nonresident-panel {
          padding: 22px
        }
      }

      @media(max-width:575px) {
        .buyer-cta {
          padding: 35px 24px
        }

        .buyer-hero .container {
          padding-top: 55px;
          padding-bottom: 55px
        }
      }
	  @media (min-width: 1200px) {
		.container, .container-lg, .container-md, .container-sm, .container-xl {
			max-width: 1300px;
		}
	} 
	  button,
      input,
      select,
      textarea {
        font: inherit
      }

      button {
        cursor: pointer
      }

      .demo {
        min-height: 100vh;
        display: grid;
        place-items: center;
        padding: 20px
      }

      .launch,
      .primary {
        background: #006aff;
        color: white;
        border: 0;
        border-radius: 24px;
        padding: 14px 24px;
        font-weight: 700
      }

      .overlay {
        position: fixed;
        inset: 0;
        background: #000b;
        display: none;
        align-items: center;
        justify-content: center;
        padding: 18px;
        z-index: 9999999;
      }

      .overlay.active {
        display: flex
      }

      .modal {
        width: min(965px, 100%);
        height: min(680px, 90vh);
        background: white;
        border-radius: 9px;
        display: grid;
        grid-template-columns: 35% 65%;
        overflow: hidden;
        position: relative
      }

      .close {
        position: absolute;
        right: 14px;
        top: 10px;
        background: white;
        border: 0;
        font-size: 25px;
        z-index: 2
      }

      .left {
        border-right: 1px solid #dce4ee;
        padding: 30px 32px;
        display: flex;
        flex-direction: column
      }

      .logo {
        font-size: 29px;
        font-weight: 800;
        letter-spacing: -1px;
        border-bottom: 1px solid #e0e5ec;
        padding-bottom: 25px
      }

      .muted {
        color: #476b90;
        font-weight: 700;
        font-size: 14px
      }

      .left h1 {
        font-size: 25px;
        line-height: 1.2;
        margin: 9px 0 25px
      }

      .left p {
        font-size: 15px;
        line-height: 1.75
      }

      .info {
        font-size: 14px;
        color: #466587;
        font-weight: 600;
        margin-bottom: 16px
      }

      .bottom {
        margin-top: auto;
        font-size: 12px;
        color: #006aff
      }

      .right {
        overflow-y: auto;
        padding: 32px 34px
      }

      .right h2 {
        font-size: 22px;
        margin: 2px 0 30px
      }

      .monthbar {
        display: flex;
        justify-content: space-between;
        align-items: center;
        margin-bottom: 20px;
        max-width: 390px
      }

      .arrow {
        background: none;
        border: 0;
        color: #153958;
        font-size: 25px;
        padding: 4px 14px
      }

      .cal {
        width: min(390px, 100%);
        display: grid;
        grid-template-columns: repeat(7, 1fr);
        gap: 7px;
        text-align: center
      }

      .weekday {
        font-size: 12px;
        color: #496d92;
        padding: 8px 0
      }

      .day {
        border: 0;
        border-radius: 50%;
        aspect-ratio: 1;
        background: #f3f7fd;
        color: #006aff;
        font-size: 13px
      }

      .day:disabled {
        background: transparent;
        color: #a8b1bc;
        cursor: default
      }

      .day.selected {
        background: #006aff;
        color: white
      }

      .day.blank {
        visibility: hidden
      }

      .picker {
        display: flex;
        gap: 28px
      }

      .calendar {
        flex: 1;
        min-width: 0
      }

      .slots {
        width: 145px;
        display: none
      }

      .slots.active {
        display: block
      }

      .slots h3 {
        font-size: 13px;
        font-weight: 500
      }

      .slot {
        width: 100%;
        border: 1px solid #006aff;
        color: #0057c9;
        background: white;
        border-radius: 8px;
        padding: 13px 5px;
        margin: 0 0 9px;
        font-weight: 700
      }

      .slot.selected {
        background: #eaf2ff
      }

      .next {
        background: #0056cc;
        color: white;
        border: 0;
        border-radius: 8px;
        padding: 13px;
        margin-bottom: 10px;
        width: 100%
      }

      .tz {
        font-size: 13px;
        margin-top: 18px
      }

      .tz strong {
        display: block;
        margin-bottom: 8px
      }

      .field {
        display: block;
        margin: 20px 0 7px;
        font-size: 14px;
        font-weight: 600
      }

      .input {
        width: 100%;
        border: 1px solid #b4c9de;
        border-radius: 8px;
        padding: 12px;
        outline-color: #006aff
      }

      .radio {
        display: flex;
        align-items: center;
        gap: 9px;
        font-size: 14px;
        margin: 13px 0
      }

      .radio input {
        accent-color: #006aff
      }

      .back {
        background: none;
        border: 0;
        color: #006aff;
        font-size: 14px;
        padding: 0;
        margin-bottom: 12px
      }

      .guest {
        background: white;
        color: #006aff;
        border: 1px solid #006aff;
        border-radius: 25px;
        padding: 7px 12px;
        margin-top: 12px
      }

      .hidden {
        display: none !important
      }

      .error {
        color: #ba2525;
        font-size: 13px;
        margin: 10px 0
      }

      .success {
        color: #087c45;
        font-weight: 700
      }

      .small {
        font-size: 12px;
        line-height: 1.5;
        color: #476b90
      }

      .phone {
        display: flex;
        gap: 10px
      }

      .phone span {
        padding: 12px;
        border: 1px solid #b4c9de;
        border-radius: 8px
      }

      .phone input {
        flex: 1;
        min-width: 0
      }
	  .banklogo {
		  width:100%;
		  border:1px solid #eee;
		  border-radius:8px;
	  }
	  
	  .fsize20 {
		  font-size:25px;
	  }
	  .wid12 {
		   
		  margin-top:20px;
			}
	  @media (width >= 1000px) {
		   .wid12 {
		  width:12.5%!important;
		  margin-top:20px;
			}
	  }

      @media(max-width:700px) {
		 
        .modal {
          height: 94vh;
          display: block;
          overflow-y: auto
        }

        .left {
          border-right: 0;
          border-bottom: 1px solid #ddd;
          padding: 22px
        }

        .left h1 {
          margin: 8px 0 12px
        }

        .left p {
          margin: 0
        }

        .logo {
          padding-bottom: 10px
        }

        .bottom {
          display: none
        }

        .right {
          padding: 24px
        }

        .picker {
          gap: 8px
        }

        .slots {
          width: 110px
        }

        .cal {
          gap: 3px
        }

        .day {
          font-size: 12px
        }
      }
	  .socialmediap {
    text-align: center;
}
.socialmediap img {
    width : 35px;
}
.socialmediap a {
	float:left;
	margin-right:5px;
}
.topbar-contact a img {
	 width : 30px;
}
.whatsapplogo {
     height: 60px;
     width: 60px;
     border-radius: 50%;
     margin: 30px;
     position: fixed;
     z-index: 99999;
     bottom: 10px;
     right: 100px;
}
.whatsapplogo img {
	width:100%;
}
.whatsapplogo:before, .whatsapplogo:after {
     position: absolute;
     content: '';
     height: 100%;
     width: 100%;
     top: 0%;
     left: 0%;
     border-radius: 50%;
     box-shadow: 0 0 15px #0dc143;
     animation: whatsapplogo 2s ease-out infinite;
}
@keyframes whatsapplogo{
    0%{
        opacity:0;
        transform:scale(1)
    }
    80%{
        opacity:1
    }
    100%{
        transform:scale(1.5);
        opacity:0
    }
}
@media only screen and (max-width: 600px) {
	.topbar-contact {
		display:none;
	}
	.navbar {    
		padding: 5px 20px;
      }
}
.img-reponsive { width:100%; }
.mortgage-compare{background:#082746;color:#ddd}
.mortgage-compare h2{font-size:34px;font-weight:700;letter-spacing:-.8px;margin-bottom:2px}
.mortgage-compare h2 span{color:#f3c775}.compare-subtitle{font-size:17px;margin-bottom:2px}.compare-note{font-size:17px;margin-bottom:45px}
.compare-title{font-size:25px;font-weight:600;margin-bottom:26px}
.compare-list{padding:0;margin:0;list-style:none}.compare-list li{display:flex;align-items:flex-start;gap:12px;min-height:56px;padding:12px 0;border-bottom:1px solid #456b90;font-size:17px;line-height:1.6}
.compare-icon{flex:0 0 29px;width:29px;height:29px;border-radius:50%;background:#ffff;display:inline-flex;align-items:center;justify-content:center;font-size:19px;line-height:1;margin-top:1px;color:#082746}
.compare-icon.check{font-size:17px}.compare-center{display:flex;align-items:center;justify-content:center;height:100%;padding-top:40px}
.compare-vs-panel{width:225px;min-height:225px;background:#44688d;/*border-radius:360px;*/display:flex;flex-direction:column;align-items:center;justify-content:space-around;padding:20px 10px;text-align:center;font-size:18px;line-height:1.3}
.compare-vs-circle{width:200px;height:200px;border:7px solid #082746;line-height:40px;box-shadow:inset 0 0 0 7px #44688d,0 0 0 2px #44688d;/*border-radius:50%;*/display:flex;align-items:center;justify-content:center;background:#082746;font-size:15px;text-transform:uppercase;}
@media(max-width:991px){.compare-center{padding:28px 0}.compare-vs-panel{/*width:100%;*/min-height:150px;flex-direction:row;/*border-radius:18px*/}.compare-vs-circle{/*width:70px;height:70px;*/border-width:4px;box-shadow:inset 0 0 0 4px #000}.compare-title{margin-bottom:12px}}
@media(max-width:575px){.mortgage-compare{padding:35px 0}.mortgage-compare h2{font-size:27px}.compare-subtitle,.compare-note{font-size:14px}.compare-note{margin-bottom:30px}.compare-title{font-size:22px}.compare-list li{font-size:14px;min-height:50px}.compare-vs-panel{font-size:14px}}
.calculator {
        /*max-width: 1460px;
        margin: 50px auto;
        background: #fbfbfb;
        border-radius: 18px;
        box-shadow: 0 8px 18px #00000018;*/
        padding: 60px 0px;
      }

      .calc-title {
        font-size: 20px;
        font-weight: 700;
        margin-bottom: 18px
      }

      .tab-choice {
        background: #f4f4f4;
        border: 2px solid transparent;
        border-radius: 13px;
        padding: 14px 10px;
        font-size: 17px;
        width: 100%;
        transition: .2s
      }

      .tab-choice.active {
        background: #fff;
        border: 3px solid #86c0f3
      }

      .rates {
        display: flex;
        gap: 8px
      }

      .rate-btn {
        flex: 1;
        border: 1px solid #777;
        background: #f5f5f5;
        border-radius: 6px;
        padding: 12px 5px;
        white-space: nowrap
      }

      .rate-btn.active {
        border-color: #082746;
		border:2px solid;
        background: #ededed
      }

      .field-label {
        /*font-family: Georgia, serif;*/
        font-size: 15px;
        margin-bottom: 6px
      }

      .field {
        background: #f5f5f5;
        border: 0;
        border-radius: 10px;
        padding: 17px 18px;
        width: 100%;
        height: 53px;
        color: #111;
		border:1px solid #777;
        
        font-size: 16px;
		margin:5px 0px;
      }

      .field:focus {
        outline: 2px solid var(--blue)
      }

      .duration-range {
        width: 100%;
        accent-color: #111
      }

      .duration-range::-webkit-slider-thumb {
        height: 23px;
        width: 23px;
        cursor: pointer
      }

      .results {
        height: 100%;
        min-height: 545px;
        border-radius: 17px;
        background: linear-gradient(115deg, #082746, #293c68 88%);
        color: white;
        padding: 27px;
        box-shadow: 0 8px 15px #0002
      }

      .results h2 {
        font-size: 17px;
        margin-bottom: 30px
      }

      .result-label {
         font-size: 15px;
      }

      .result-value {
         font-size: 30px;
        letter-spacing: -1px;
        line-height: 1.15
      }

      .result-rule {
        border-top: 1px solid #ffffff80;
        margin: 33px 0
      }

      .breakdown-toggle {
        border: 0;
        border-radius: 9px;
        background: #ffffff2b;
        color: #fff;
        padding: 19px 25px;
        width: 100%;
        display: flex;
        justify-content: space-between;
        text-align: left;
         
        margin: 50px 0 25px
      }

      .breakdown {
        border: 1px solid #ffffff50;
        border-radius: 10px;
        padding: 16px;
        margin-top: -10px;
        margin-bottom: 25px
      }

      .breakdown>div {
        display: flex;
        justify-content: space-between;
        gap: 20px;
        padding: 7px 0
      }

      .breakdown>div+div {
        border-top: 1px solid #ffffff30
      }

      .btn-dark-custom {
        background: #000;
        color: #fff;
        border: 1px solid #000;
        border-radius: 9px;
        font-weight: bold;
        padding: 18px 8px
      }

      .btn-outline-custom {
        background: transparent;
        color: #fff;
        border: 1px solid #fff;
        border-radius: 9px;
        font-weight: bold;
        padding: 18px 8px
      }

      .small-note {
        font-size: 12px;
        color: #777;
        margin-top: 20px
      }

      .form-section {
        padding: 30px;
		border: 1px solid #fff;
        border-radius: 16px;
		
      }

      .help {
        font-size: 13px;
        color: #555
      }

      .muted {
        color: #425476
      }

      .section-gap {
        margin-top: 32px
      }

      @media(max-width:991px) {
        .calculator {
          margin: 18px 12px;
          padding: 18px
        }

        .results {
          min-height: auto;
          margin-top: 24px
        }

        .result-value {
          font-size: 36px
        }

        .results h2 {
          margin-bottom: 30px
        }

        .breakdown-toggle {
          margin: 35px 0 20px
        }
      }

      @media(max-width:520px) {
        .tab-choice {
          font-size: 14px;
          padding: 12px 5px
        }

        .rate-btn {
          font-size: 12px
        }

        .results {
          padding: 22px
        }

        .result-value {
          font-size: 33px
        }

        .calc-title {
          font-size: 18px
        }
      }