/* ================================================================
   Financial Institution Homepage — Ultimate Loan Manager
   Full-detail redesign: navy + gold, Inter, modern fintech
   ================================================================ */

/* ── Tokens ───────────────────────────────────────────────────── */
:root {
    --fin-navy:        #0c2340;
    --fin-navy-mid:    #1a3a5c;
    --fin-navy-light:  #2a5080;
    --fin-gold:        #c5a572;
    --fin-gold-light:  #d4bc8e;
    --fin-slate:       #64748b;
    --fin-bg:          #f8fafc;
    --fin-white:       #ffffff;
    --fin-primary:     var(--sacco-primary, var(--fin-navy));
    --fin-accent:      var(--sacco-accent,  var(--fin-gold));
    --fin-primary-dark:var(--sacco-primary-dark, #081829);
    --fin-radius:      12px;
    --fin-shadow-sm:   0 2px 8px rgba(12,35,64,.07);
    --fin-shadow:      0 6px 24px rgba(12,35,64,.11);
    --fin-shadow-lg:   0 16px 48px rgba(12,35,64,.15);
    --fin-transition:  0.22s ease;
}

body.financial-page {
    font-family: 'Inter', 'Source Sans Pro', -apple-system, sans-serif;
    color: #1e293b;
    background: var(--fin-bg);
    -webkit-font-smoothing: antialiased;
}

/* ── Sticky nav ───────────────────────────────────────────────── */
.fin-nav {
    background: var(--fin-white);
    border-bottom: 1px solid rgba(12,35,64,.08);
    padding: .75rem 0;
    position: sticky;
    top: 0;
    z-index: 1030;
    transition: box-shadow var(--fin-transition);
}
.fin-nav.scrolled { box-shadow: 0 4px 20px rgba(12,35,64,.10); }
.fin-nav .navbar-brand {
    font-weight: 800;
    color: var(--fin-primary);
    font-size: 1.05rem;
    letter-spacing: -.01em;
    text-decoration: none;
}
.fin-nav .nav-link-btn {
    font-size: .85rem;
    font-weight: 500;
    color: var(--fin-slate);
    padding: .4rem .8rem;
    border-radius: 6px;
    transition: color var(--fin-transition), background var(--fin-transition);
    text-decoration: none;
}
.fin-nav .nav-link-btn:hover { color: var(--fin-primary); background: rgba(12,35,64,.05); }

.fin-btn-outline {
    border: 1.5px solid var(--fin-primary);
    color: var(--fin-primary);
    font-weight: 600;
    border-radius: 7px;
    padding: .42rem 1.1rem;
    font-size: .83rem;
    transition: all var(--fin-transition);
    text-decoration: none;
    display: inline-block;
}
.fin-btn-outline:hover { background: var(--fin-primary); color: #fff; text-decoration: none; }
.fin-btn-gold {
    background: linear-gradient(135deg, var(--fin-accent) 0%, var(--fin-gold-light) 100%);
    border: none;
    color: var(--fin-navy);
    font-weight: 700;
    border-radius: 7px;
    padding: .42rem 1.25rem;
    font-size: .83rem;
    transition: transform var(--fin-transition), box-shadow var(--fin-transition);
    text-decoration: none;
    display: inline-block;
}
.fin-btn-gold:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 16px rgba(197,165,114,.45);
    color: var(--fin-navy);
    text-decoration: none;
}

/* ── Hero (split layout) ──────────────────────────────────────── */
.fin-hero--split {
    display: flex;
    min-height: 580px;
    position: relative;
    overflow: hidden;
}
.fin-hero-carousel-col {
    flex: 1 1 60%;
    min-height: 580px;
    position: relative;
}
.fin-hero-calc-col {
    flex: 0 0 380px;
    width: 380px;
    background: linear-gradient(160deg, var(--fin-primary-dark) 0%, var(--fin-primary) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 2.5rem 1.75rem;
    z-index: 2;
}

/* carousel fills its column */
.fin-hero--split .carousel,
.fin-hero--split .carousel-inner,
.fin-hero--split .carousel-item { height: 100%; min-height: 580px; }

.fin-hero-slide {
    min-height: 580px;
    display: flex;
    align-items: center;
    position: relative;
    background-size: cover;
    background-position: center;
}
.fin-hero-slide::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(105deg, rgba(12,35,64,.92) 0%, rgba(12,35,64,.72) 50%, rgba(26,58,92,.5) 100%);
}
.fin-hero-slide-1 { background-image: url('https://images.unsplash.com/photo-1563986768609-322da13575f3?w=1600&q=80'); }
.fin-hero-slide-2 { background-image: url('https://images.unsplash.com/photo-1579621970563-ebec7560ff3e?w=1600&q=80'); }
.fin-hero-slide-3 { background-image: url('https://images.unsplash.com/photo-1551288049-bebda4e38f71?w=1600&q=80'); }

.fin-hero-content {
    position: relative;
    z-index: 2;
    color: #fff;
    max-width: 600px;
    padding: 3rem 1.5rem;
}
.fin-hero-badge {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    background: rgba(197,165,114,.2);
    border: 1px solid rgba(197,165,114,.4);
    color: var(--fin-gold-light);
    border-radius: 2rem;
    padding: .3rem 1rem;
    font-size: .75rem;
    font-weight: 600;
    letter-spacing: .05em;
    text-transform: uppercase;
    margin-bottom: 1.25rem;
}
.fin-hero-content h1 {
    font-size: clamp(1.9rem, 3.5vw, 2.9rem);
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -.03em;
    margin-bottom: 1rem;
}
.fin-hero-content .lead {
    font-size: 1.05rem;
    opacity: .88;
    line-height: 1.65;
    margin-bottom: 1.75rem;
}
.fin-hero .carousel-indicators { bottom: 1.75rem; margin-bottom: 0; }
.fin-hero .carousel-indicators li {
    width: 36px; height: 4px; border-radius: 2px;
    background: rgba(255,255,255,.3); border: none; margin: 0 3px;
}
.fin-hero .carousel-indicators li.active { background: var(--fin-accent); }

/* ── Loan calculator card ─────────────────────────────────────── */
.fin-calc-card { width: 100%; }
.fin-calc-header {
    display: flex;
    align-items: center;
    gap: .65rem;
    color: var(--fin-accent);
    font-size: .78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .08em;
    margin-bottom: 1.25rem;
    padding-bottom: .75rem;
    border-bottom: 1px solid rgba(255,255,255,.12);
}
.fin-calc-header i { font-size: 1.1rem; }
.fin-calc-body { width: 100%; }
.fin-calc-group { margin-bottom: 1rem; }
.fin-calc-group label {
    display: block;
    font-size: .72rem;
    font-weight: 600;
    letter-spacing: .05em;
    text-transform: uppercase;
    color: rgba(255,255,255,.65);
    margin-bottom: .35rem;
}
.fin-calc-input-wrap { position: relative; display: flex; align-items: center; }
.fin-calc-prefix, .fin-calc-suffix {
    position: absolute;
    font-size: .82rem;
    font-weight: 600;
    color: rgba(255,255,255,.5);
    pointer-events: none;
}
.fin-calc-prefix { left: .75rem; }
.fin-calc-suffix { right: .75rem; }
.fin-calc-input {
    width: 100%;
    background: rgba(255,255,255,.1);
    border: 1.5px solid rgba(255,255,255,.18);
    border-radius: 8px;
    padding: .55rem .75rem .55rem 2.75rem;
    font-size: .9rem;
    font-weight: 600;
    color: #fff;
    transition: border-color var(--fin-transition), background var(--fin-transition);
    -moz-appearance: textfield;
}
.fin-calc-input::-webkit-outer-spin-button,
.fin-calc-input::-webkit-inner-spin-button { -webkit-appearance: none; }
.fin-calc-input:focus { outline: none; border-color: var(--fin-accent); background: rgba(255,255,255,.14); }
.fin-calc-input-wrap .fin-calc-suffix + .fin-calc-input { padding-right: 2.5rem; padding-left: .75rem; }

/* range slider */
.fin-calc-range {
    width: 100%;
    accent-color: var(--fin-accent);
    cursor: pointer;
}
.fin-calc-slider-labels {
    display: flex;
    justify-content: space-between;
    font-size: .68rem;
    color: rgba(255,255,255,.45);
    margin-top: .25rem;
}
.fin-calc-slider-val { color: var(--fin-accent); font-weight: 700; }

/* result panel */
.fin-calc-result {
    background: rgba(0,0,0,.2);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: 10px;
    padding: .85rem 1rem;
    margin: 1.1rem 0 .85rem;
}
.fin-calc-result-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: .3rem 0;
    font-size: .83rem;
    color: rgba(255,255,255,.72);
}
.fin-calc-result-row + .fin-calc-result-row { border-top: 1px solid rgba(255,255,255,.07); }
.fin-calc-result-row strong { color: #fff; font-weight: 700; font-size: .9rem; }

.fin-calc-cta {
    display: block;
    text-align: center;
    background: linear-gradient(135deg, var(--fin-accent) 0%, var(--fin-gold-light) 100%);
    color: var(--fin-navy);
    font-weight: 700;
    border-radius: 8px;
    padding: .65rem 1rem;
    font-size: .87rem;
    text-decoration: none;
    transition: transform var(--fin-transition), box-shadow var(--fin-transition);
}
.fin-calc-cta:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 16px rgba(197,165,114,.45);
    color: var(--fin-navy);
    text-decoration: none;
}
.fin-calc-note {
    font-size: .68rem;
    color: rgba(255,255,255,.4);
    text-align: center;
    margin-top: .65rem;
    margin-bottom: 0;
}

/* ── Trust bar ────────────────────────────────────────────────── */
.fin-trust-bar {
    background: var(--fin-primary);
    color: rgba(255,255,255,.9);
    padding: .9rem 0;
    border-bottom: 3px solid var(--fin-accent);
}
.fin-trust-item {
    display: flex;
    align-items: center;
    gap: .6rem;
    font-size: .82rem;
    font-weight: 500;
    justify-content: center;
}
.fin-trust-item i { color: var(--fin-accent); font-size: 1.1rem; width: 22px; text-align: center; }

/* ── Quick access cards ───────────────────────────────────────── */
.fin-quick-access { margin-top: -2.5rem; position: relative; z-index: 10; padding-bottom: .5rem; }
.fin-quick-card {
    background: var(--fin-white);
    border-radius: var(--fin-radius);
    box-shadow: var(--fin-shadow);
    padding: 1.5rem 1.25rem;
    text-align: center;
    height: 100%;
    border: 1px solid rgba(12,35,64,.06);
    transition: transform var(--fin-transition), box-shadow var(--fin-transition);
    cursor: default;
}
.fin-quick-card:hover { transform: translateY(-4px); box-shadow: var(--fin-shadow-lg); }
.fin-quick-icon {
    width: 52px; height: 52px;
    border-radius: 12px;
    background: linear-gradient(135deg, rgba(12,35,64,.08), rgba(197,165,114,.15));
    color: var(--fin-primary);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.25rem;
    margin: 0 auto .85rem;
}
.fin-quick-card h6 { font-weight: 700; color: var(--fin-primary); font-size: .88rem; margin-bottom: .3rem; }
.fin-quick-card p  { font-size: .82rem; color: var(--fin-slate); margin: 0; }
.fin-quick-card a  { color: var(--fin-primary); font-weight: 600; }

/* ── Live stats bar ───────────────────────────────────────────── */
.fin-stats-bar {
    background: linear-gradient(135deg, var(--fin-primary) 0%, var(--fin-navy-mid) 100%);
    padding: 3.5rem 0;
    position: relative;
    overflow: hidden;
}
.fin-stats-bar::before {
    content: '';
    position: absolute;
    top: -50%; right: -10%;
    width: 50%; height: 200%;
    background: radial-gradient(circle, rgba(197,165,114,.12) 0%, transparent 65%);
    pointer-events: none;
}
.fin-stat-bar-item { padding: 0 1rem; }
.fin-stat-bar-item h3 {
    font-size: clamp(2rem, 4vw, 2.75rem);
    font-weight: 800;
    color: var(--fin-accent);
    margin-bottom: .25rem;
    letter-spacing: -.02em;
}
.fin-stat-bar-item p {
    font-size: .78rem;
    opacity: .8;
    margin: 0;
    text-transform: uppercase;
    letter-spacing: .08em;
    font-weight: 600;
    color: #fff;
}
.fin-stat-bar-item + .fin-stat-bar-item {
    border-left: 1px solid rgba(255,255,255,.12);
}

/* ── Section chrome ───────────────────────────────────────────── */
.fin-section-label {
    display: inline-block;
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--fin-accent);
    margin-bottom: .5rem;
}
.fin-section-title {
    font-size: clamp(1.6rem, 2.8vw, 2.1rem);
    font-weight: 800;
    color: var(--fin-primary);
    letter-spacing: -.02em;
    margin-bottom: .65rem;
}
.fin-section-desc {
    color: var(--fin-slate);
    max-width: 540px;
    margin: 0 auto 2.75rem;
    font-size: .95rem;
}

/* ── Products ─────────────────────────────────────────────────── */
.fin-products { padding: 5rem 0 3rem; }
.fin-product-card--detailed {
    background: var(--fin-white);
    border-radius: 16px;
    padding: 1.75rem;
    height: 100%;
    border: 1px solid rgba(12,35,64,.08);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    transition: transform var(--fin-transition), box-shadow var(--fin-transition);
}
.fin-product-card--detailed::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--fin-primary), var(--fin-accent));
}
.fin-product-card--detailed:hover { transform: translateY(-6px); box-shadow: 0 20px 48px rgba(12,35,64,.12); }
.fin-product-card--detailed.featured {
    background: linear-gradient(160deg, var(--fin-primary) 0%, var(--fin-navy-mid) 100%);
    color: #fff;
    border: none;
}
.fin-product-card--detailed.featured::before { background: var(--fin-accent); }

.fin-product-card__top {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    margin-bottom: 1rem;
}
.fin-product-icon {
    width: 48px; height: 48px;
    border-radius: 11px;
    background: rgba(12,35,64,.08);
    color: var(--fin-primary);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.25rem;
}
.featured .fin-product-icon { background: rgba(197,165,114,.2); color: var(--fin-gold-light); }
.fin-product-badge {
    font-size: .65rem;
    font-weight: 700;
    letter-spacing: .05em;
    text-transform: uppercase;
    padding: .25em .65em;
    border-radius: 2rem;
    background: rgba(12,35,64,.08);
    color: var(--fin-primary);
}
.fin-product-badge--gold { background: rgba(197,165,114,.2); color: var(--fin-gold); }
.featured .fin-product-badge { background: rgba(197,165,114,.2); color: var(--fin-gold-light); }

.fin-product-card--detailed h4 { font-weight: 700; font-size: 1.15rem; margin-bottom: .65rem; }
.fin-product-desc { font-size: .87rem; color: var(--fin-slate); line-height: 1.6; margin-bottom: 1.1rem; }
.featured .fin-product-desc { color: rgba(255,255,255,.78); }

.fin-product-features {
    list-style: none;
    padding: 0;
    margin: 0 0 1.25rem;
    flex: 1;
}
.fin-product-features li {
    display: flex;
    align-items: flex-start;
    gap: .5rem;
    font-size: .83rem;
    margin-bottom: .45rem;
    color: var(--fin-slate);
}
.fin-product-features li i { color: #16a34a; font-size: .75rem; margin-top: .22rem; flex-shrink: 0; }
.featured .fin-product-features li { color: rgba(255,255,255,.82); }
.featured .fin-product-features li i { color: var(--fin-gold-light); }

.fin-product-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    border-top: 1px solid rgba(12,35,64,.08);
    padding-top: 1rem;
    margin-top: auto;
}
.featured .fin-product-footer { border-top-color: rgba(255,255,255,.12); }
.fin-product-meta {
    font-size: .72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .06em;
    color: var(--fin-accent);
}
.fin-product-cta {
    font-size: .8rem;
    font-weight: 700;
    color: var(--fin-primary);
    text-decoration: none;
    transition: color var(--fin-transition);
}
.fin-product-cta:hover { color: var(--fin-accent); text-decoration: none; }
.fin-product-cta--light { color: var(--fin-gold-light); }
.fin-product-cta--light:hover { color: var(--fin-gold); }

/* ── Services ─────────────────────────────────────────────────── */
.fin-services { padding: 3rem 0 5rem; background: var(--fin-white); }
.fin-service-card {
    border: 1px solid rgba(12,35,64,.08);
    border-radius: var(--fin-radius);
    padding: 1.5rem;
    height: 100%;
    transition: all var(--fin-transition);
    background: var(--fin-bg);
}
.fin-service-card:hover {
    background: var(--fin-white);
    box-shadow: var(--fin-shadow);
    border-color: transparent;
}
.fin-service-icon {
    width: 44px; height: 44px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-navy-mid));
    color: var(--fin-accent);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.05rem;
    margin-bottom: .9rem;
}
.fin-service-card h5 { font-weight: 700; color: var(--fin-primary); font-size: .95rem; margin-bottom: .4rem; }
.fin-service-card p  { font-size: .83rem; color: var(--fin-slate); margin: 0; line-height: 1.55; }

/* ── Why choose us ────────────────────────────────────────────── */
.fin-why {
    padding: 5rem 0;
    background: linear-gradient(180deg, var(--fin-bg) 0%, var(--fin-white) 100%);
}
.fin-why-card {
    background: var(--fin-white);
    border: 1px solid rgba(12,35,64,.08);
    border-radius: var(--fin-radius);
    padding: 1.35rem;
    height: 100%;
    transition: transform var(--fin-transition), box-shadow var(--fin-transition);
}
.fin-why-card:hover { transform: translateY(-3px); box-shadow: var(--fin-shadow); }
.fin-why-icon {
    width: 40px; height: 40px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-navy-mid));
    color: var(--fin-accent);
    display: flex; align-items: center; justify-content: center;
    font-size: 1rem;
    margin-bottom: .75rem;
}
.fin-why-card h6 { font-weight: 700; color: var(--fin-primary); font-size: .9rem; margin-bottom: .35rem; }
.fin-why-card p  { font-size: .82rem; color: var(--fin-slate); margin: 0; line-height: 1.55; }

/* ── About ────────────────────────────────────────────────────── */
.fin-about {
    padding: 5rem 0;
    background: var(--fin-white);
}
.fin-about-box {
    display: flex;
    gap: 1rem;
    background: var(--fin-bg);
    border-left: 4px solid var(--fin-accent);
    border-radius: 0 var(--fin-radius) var(--fin-radius) 0;
    padding: 1.25rem 1.5rem;
    box-shadow: var(--fin-shadow-sm);
    margin-bottom: 1rem;
}
.fin-about-box__icon {
    width: 36px; height: 36px;
    border-radius: 8px;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-navy-mid));
    color: var(--fin-accent);
    display: flex; align-items: center; justify-content: center;
    font-size: .9rem;
    flex-shrink: 0;
}
.fin-about-box h6 {
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--fin-accent);
    margin-bottom: .35rem;
}
.fin-about-box p { font-size: .87rem; color: #334155; line-height: 1.6; }
.fin-about-founded {
    font-size: .82rem;
    color: var(--fin-slate);
    display: flex;
    align-items: center;
    gap: .5rem;
}
.fin-about-founded i { color: var(--fin-accent); }

/* ── Steps ────────────────────────────────────────────────────── */
.fin-steps { padding: 5rem 0; background: var(--fin-bg); }
.fin-steps-timeline { position: relative; }
.fin-steps-line {
    position: absolute;
    top: 26px;
    left: calc(50% - 37.5%);
    width: 75%;
    height: 2px;
    background: linear-gradient(90deg, var(--fin-primary) 0%, var(--fin-accent) 100%);
    opacity: .18;
}
.fin-step-card { text-align: center; padding: 1.25rem 1rem; position: relative; }
.fin-step-num {
    width: 52px; height: 52px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-navy-mid));
    color: var(--fin-accent);
    font-weight: 800;
    font-size: 1.2rem;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 1.1rem;
    box-shadow: 0 4px 16px rgba(12,35,64,.2);
    position: relative;
    z-index: 1;
}
.fin-step-card h5 { font-weight: 700; color: var(--fin-primary); margin-bottom: .4rem; font-size: .97rem; }
.fin-step-card p  { font-size: .83rem; color: var(--fin-slate); margin-bottom: .6rem; }
.fin-step-detail {
    font-size: .78rem;
    color: var(--fin-slate);
    background: var(--fin-white);
    border: 1px solid rgba(12,35,64,.07);
    border-radius: 8px;
    padding: .65rem .85rem;
    line-height: 1.5;
}

/* ── Digital Channels ─────────────────────────────────────────── */
.fin-channels { padding: 5rem 0; background: var(--fin-white); }
.fin-channel-card {
    background: var(--fin-bg);
    border: 1px solid rgba(12,35,64,.08);
    border-radius: 16px;
    padding: 2rem 1.75rem;
    height: 100%;
    transition: transform var(--fin-transition), box-shadow var(--fin-transition);
    display: flex;
    flex-direction: column;
}
.fin-channel-card:hover { transform: translateY(-5px); box-shadow: var(--fin-shadow-lg); background: var(--fin-white); }
.fin-channel-icon {
    width: 60px; height: 60px;
    border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem;
    color: #fff;
    margin-bottom: 1.1rem;
}
.fin-channel-icon--mpesa  { background: linear-gradient(135deg, #00a651, #007a3e); }
.fin-channel-icon--ussd   { background: linear-gradient(135deg, var(--fin-navy-mid), var(--fin-navy-light)); }
.fin-channel-icon--portal { background: linear-gradient(135deg, var(--fin-primary), var(--fin-navy-mid)); }

.fin-channel-card h5 { font-weight: 700; color: var(--fin-primary); margin-bottom: .5rem; }
.fin-channel-card p  { font-size: .87rem; color: var(--fin-slate); line-height: 1.6; margin-bottom: 1rem; }

.fin-channel-detail {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: var(--fin-white);
    border: 1px solid rgba(12,35,64,.1);
    border-radius: 8px;
    padding: .55rem .85rem;
    margin-bottom: 1rem;
}
.fin-channel-label { font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--fin-slate); }
.fin-channel-value { font-size: 1.1rem; font-weight: 800; color: var(--fin-primary); letter-spacing: -.01em; }

.fin-channel-steps { flex: 1; }
.fin-channel-step {
    display: flex;
    align-items: flex-start;
    gap: .65rem;
    font-size: .82rem;
    color: var(--fin-slate);
    margin-bottom: .5rem;
}
.fin-channel-step span {
    width: 20px; height: 20px;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-navy-mid));
    color: var(--fin-accent);
    border-radius: 50%;
    font-size: .68rem;
    font-weight: 700;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.fin-channel-features { flex: 1; }
.fin-channel-feat {
    display: flex;
    align-items: center;
    gap: .5rem;
    font-size: .83rem;
    color: var(--fin-slate);
    margin-bottom: .45rem;
}
.fin-channel-feat i { color: #16a34a; font-size: .75rem; }
.fin-channel-btn {
    display: inline-block;
    margin-top: 1rem;
    font-size: .82rem;
    font-weight: 700;
    color: var(--fin-primary);
    text-decoration: none;
    transition: color var(--fin-transition);
}
.fin-channel-btn:hover { color: var(--fin-accent); text-decoration: none; }

/* ── Testimonials ─────────────────────────────────────────────── */
.fin-testimonials { padding: 5rem 0; background: var(--fin-bg); }
.fin-testimonial-card {
    background: var(--fin-white);
    border: 1px solid rgba(12,35,64,.07);
    border-radius: 16px;
    padding: 1.75rem;
    height: 100%;
    box-shadow: var(--fin-shadow-sm);
    transition: transform var(--fin-transition), box-shadow var(--fin-transition);
    display: flex;
    flex-direction: column;
}
.fin-testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--fin-shadow); }
.fin-testimonial-stars { color: #f59e0b; font-size: .85rem; margin-bottom: .85rem; letter-spacing: .05em; }
.fin-testimonial-text {
    font-size: .88rem;
    color: #334155;
    line-height: 1.7;
    font-style: italic;
    flex: 1;
    margin-bottom: 1.25rem;
    position: relative;
}
.fin-testimonial-text::before {
    content: '\201C';
    font-size: 3rem;
    line-height: 1;
    color: var(--fin-accent);
    opacity: .35;
    position: absolute;
    top: -.5rem;
    left: -.25rem;
    font-family: Georgia, serif;
}
.fin-testimonial-author {
    display: flex;
    align-items: center;
    gap: .85rem;
    border-top: 1px solid rgba(12,35,64,.06);
    padding-top: 1rem;
}
.fin-testimonial-avatar {
    width: 42px; height: 42px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-navy-mid));
    color: var(--fin-accent);
    font-weight: 700;
    font-size: .85rem;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.fin-testimonial-author strong { display: block; font-size: .9rem; color: var(--fin-primary); font-weight: 700; }
.fin-testimonial-author small  { font-size: .75rem; color: var(--fin-slate); }

/* ── FAQ ──────────────────────────────────────────────────────── */
.fin-faq { padding: 5rem 0; background: var(--fin-white); }
.fin-faq-list { max-width: 100%; }
.fin-faq-item {
    border-bottom: 1px solid rgba(12,35,64,.08);
}
.fin-faq-q {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: none;
    border: none;
    padding: 1rem 0;
    font-size: .92rem;
    font-weight: 600;
    color: var(--fin-primary);
    cursor: pointer;
    text-align: left;
    transition: color var(--fin-transition);
    gap: 1rem;
}
.fin-faq-q:hover { color: var(--fin-navy-mid); }
.fin-faq-q.active { color: var(--fin-accent); }
.fin-faq-chevron {
    font-size: .65rem;
    color: var(--fin-slate);
    flex-shrink: 0;
    transition: transform var(--fin-transition);
}
.fin-faq-q.active .fin-faq-chevron { transform: rotate(180deg); color: var(--fin-accent); }
.fin-faq-a {
    font-size: .87rem;
    color: var(--fin-slate);
    line-height: 1.7;
    padding-bottom: 1rem;
}

/* ── Contact ──────────────────────────────────────────────────── */
.fin-contact { padding: 5rem 0; background: var(--fin-bg); }
.fin-contact-info { }
.fin-contact-row {
    display: flex;
    gap: 1rem;
    margin-bottom: 1.5rem;
    align-items: flex-start;
}
.fin-contact-icon {
    width: 40px; height: 40px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--fin-primary), var(--fin-navy-mid));
    color: var(--fin-accent);
    display: flex; align-items: center; justify-content: center;
    font-size: .9rem;
    flex-shrink: 0;
    margin-top: .1rem;
}
.fin-contact-row h6 {
    font-weight: 700;
    font-size: .78rem;
    text-transform: uppercase;
    letter-spacing: .07em;
    color: var(--fin-slate);
    margin-bottom: .25rem;
}
.fin-contact-row p { font-size: .87rem; color: #334155; margin: 0 0 .15rem; }
.fin-contact-row a { color: var(--fin-primary); font-weight: 500; }
.fin-contact-row a:hover { color: var(--fin-accent); }

.fin-map-placeholder {
    background: linear-gradient(135deg, var(--fin-primary) 0%, var(--fin-navy-mid) 100%);
    border-radius: 16px;
    min-height: 340px;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
    box-shadow: var(--fin-shadow-lg);
}
.fin-map-placeholder::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Ccircle cx='20' cy='20' r='1' fill='rgba(255,255,255,0.06)'/%3E%3C/g%3E%3C/svg%3E");
    background-size: 40px 40px;
}
.fin-map-inner {
    text-align: center;
    color: #fff;
    z-index: 1;
    padding: 2rem;
}
.fin-map-inner i { font-size: 2.75rem; color: var(--fin-accent); margin-bottom: 1rem; display: block; }
.fin-map-inner p { font-size: 1.15rem; font-weight: 700; margin-bottom: .35rem; }
.fin-map-inner span { font-size: .87rem; opacity: .75; display: block; margin-bottom: 1.25rem; }
.fin-map-cta {
    display: inline-flex;
    align-items: center;
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.25);
    color: var(--fin-accent);
    border-radius: 2rem;
    padding: .45rem 1.25rem;
    font-size: .82rem;
    font-weight: 600;
    text-decoration: none;
    transition: background var(--fin-transition);
}
.fin-map-cta:hover { background: rgba(255,255,255,.2); color: var(--fin-gold-light); text-decoration: none; }

/* ── CTA banner ───────────────────────────────────────────────── */
.fin-cta {
    padding: 4.5rem 0;
    background: linear-gradient(135deg, rgba(12,35,64,.04) 0%, rgba(197,165,114,.08) 100%);
}
.fin-cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 1.5rem;
    background: var(--fin-white);
    border: 1px solid rgba(12,35,64,.08);
    border-radius: 16px;
    padding: 2.25rem 2.5rem;
    box-shadow: var(--fin-shadow);
}
.fin-cta h3 {
    font-weight: 800;
    color: var(--fin-primary);
    font-size: clamp(1.25rem, 2.5vw, 1.75rem);
    margin-bottom: .35rem;
    letter-spacing: -.02em;
}
.fin-cta-actions { display: flex; gap: .75rem; flex-wrap: wrap; }

/* ── Footer ───────────────────────────────────────────────────── */
.fin-footer {
    background: var(--fin-primary);
    color: rgba(255,255,255,.82);
    padding: 4rem 0 2rem;
}
.fin-footer h5, .fin-footer h6 { color: #fff; font-weight: 700; margin-bottom: 1.1rem; }
.fin-footer h6 { font-size: .78rem; text-transform: uppercase; letter-spacing: .07em; }
.fin-footer a { color: rgba(255,255,255,.78); transition: color var(--fin-transition); }
.fin-footer a:hover { color: var(--fin-accent); text-decoration: none; }
.fin-footer-links {
    list-style: none;
    padding: 0;
    margin: 0;
}
.fin-footer-links li { margin-bottom: .55rem; }
.fin-footer-links a { font-size: .85rem; }
.fin-social a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 38px; height: 38px;
    border-radius: 50%;
    background: rgba(255,255,255,.1);
    color: #fff;
    margin-right: .4rem;
    transition: background var(--fin-transition), transform var(--fin-transition);
}
.fin-social a:hover { background: var(--fin-accent); color: var(--fin-navy); transform: translateY(-2px); }
.fin-footer-divider {
    border-top: 1px solid rgba(255,255,255,.1);
    margin-top: 2.5rem;
    padding-top: 1.5rem;
    font-size: .82rem;
    opacity: .65;
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: .5rem;
}

/* ── Responsive ───────────────────────────────────────────────── */
@media (max-width: 991px) {
    .fin-hero--split { flex-direction: column; min-height: auto; }
    .fin-hero-carousel-col { flex: none; width: 100%; min-height: 420px; }
    .fin-hero--split .carousel,
    .fin-hero--split .carousel-inner,
    .fin-hero--split .carousel-item { min-height: 420px; }
    .fin-hero-calc-col { flex: none; width: 100%; padding: 2rem 1.25rem; }
    .fin-calc-card { max-width: 480px; margin: 0 auto; }

    .fin-quick-access { margin-top: -1.5rem; }
    .fin-stat-bar-item + .fin-stat-bar-item { border-left: none; border-top: 1px solid rgba(255,255,255,.1); padding-top: 1rem; margin-top: 1rem; }
    .fin-steps-line { display: none; }
    .fin-cta-inner { text-align: center; justify-content: center; }
    .fin-cta-actions { justify-content: center; }
}

@media (max-width: 575px) {
    .fin-hero-carousel-col { min-height: 340px; }
    .fin-hero--split .carousel,
    .fin-hero--split .carousel-inner,
    .fin-hero--split .carousel-item { min-height: 340px; }
    .fin-hero-content .lead { font-size: .95rem; }
    .fin-hero-content h1 { font-size: 1.75rem; }
    .fin-trust-item { font-size: .75rem; }
    .fin-section-title { font-size: 1.5rem; }
    .fin-cta-inner { padding: 1.5rem; }
}

/* ── Accessibility / motion ───────────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        transition-duration: 0.01ms !important;
        animation-duration: 0.01ms !important;
    }
}