/* =========================================================
   Finance Prime Online — main stylesheet
   Layout: fixed left sidebar navigation (desktop) + offcanvas (mobile)
   Palette: crimson + ink black + off-white, Swiss-style grid
   ========================================================= */
:root {
  --fp-red: #d62839;
  --fp-red-dark: #b01e2e;
  --fp-red-soft: #fde8ea;
  --fp-ink: #111111;
  --fp-ink-2: #1c1c1c;
  --fp-paper: #f6f4f1;
  --fp-white: #ffffff;
  --fp-gray: #6b6b6b;
  --fp-line: #e2ded8;
  --fp-side: 290px;
  --fp-font-head: "Archivo", "Helvetica Neue", Arial, sans-serif;
  --fp-font-body: "Inter Tight", "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { overflow-x: clip; }
body { font-family: var(--fp-font-body); color: var(--fp-ink); background: var(--fp-paper); line-height: 1.7; font-size: 1.03rem; }
h1, h2, h3, h4, h5 { font-family: var(--fp-font-head); font-weight: 800; color: var(--fp-ink); line-height: 1.08; letter-spacing: -.025em; }
a { color: var(--fp-red); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--fp-ink); }
::selection { background: var(--fp-red); color: #fff; }

/* ---------- Layout shell ---------- */
.shell { min-height: 100vh; }
@media (min-width: 992px) { .shell { margin-left: var(--fp-side); } }

/* ---------- Sidebar (desktop) ---------- */
.sidebar { position: fixed; top: 0; left: 0; bottom: 0; width: var(--fp-side); background: var(--fp-ink); color: #c9c9c9; z-index: 1040; flex-direction: column; padding: 2rem 1.6rem; overflow-y: auto; }
.sidebar .brand-logo { color: #fff !important; margin-bottom: 2.6rem; }
.side-nav { list-style: none; padding: 0; margin: 0; flex: 1; }
.side-nav li { border-top: 1px solid rgba(255,255,255,.08); }
.side-nav li:last-child { border-bottom: 1px solid rgba(255,255,255,.08); }
.side-nav a { display: flex; align-items: center; justify-content: space-between; padding: .95rem .2rem; color: #e8e8e8; font-family: var(--fp-font-head); font-weight: 700; font-size: 1.02rem; letter-spacing: .01em; }
.side-nav a i { opacity: 0; transform: translateX(-6px); transition: all .2s ease; color: var(--fp-red); }
.side-nav a:hover { color: #fff; }
.side-nav a:hover i, .side-nav a.active i { opacity: 1; transform: none; }
.side-nav a.active { color: var(--fp-red); }
.side-cta { margin-top: 2rem; }
.side-contact { margin-top: 1.8rem; font-size: .9rem; line-height: 1.6; }
.side-contact div { display: flex; gap: .6rem; margin-bottom: .7rem; }
.side-contact i { color: var(--fp-red); }
.side-contact a { color: #e8e8e8; }
.side-contact a:hover { color: var(--fp-red); }

/* ---------- Mobile header + offcanvas ---------- */
.mobile-head { position: sticky; top: 0; z-index: 1030; background: var(--fp-ink); padding: .85rem 0; }
.mobile-head .brand-logo { color: #fff !important; }
.menu-btn { border: 1px solid rgba(255,255,255,.3); background: transparent; color: #fff; width: 46px; height: 46px; display: grid; place-items: center; font-size: 1.4rem; }
.menu-btn:focus-visible { outline: 2px solid var(--fp-red); outline-offset: 2px; }
.offcanvas.side-mobile { background: var(--fp-ink); color: #c9c9c9; }
.offcanvas.side-mobile .btn-close { filter: invert(1); }

/* Logo — one line, one style */
.brand-logo { display: inline-flex; align-items: center; gap: .55rem; white-space: nowrap; font-family: var(--fp-font-head); font-weight: 800; font-size: 1.32rem; line-height: 1; color: var(--fp-ink) !important; letter-spacing: -.02em; }
.brand-logo .sq { width: 34px; height: 34px; flex: 0 0 34px; background: var(--fp-red); color: #fff; display: grid; place-items: center; font-size: 1rem; }

/* ---------- Utility top strip (inside main) ---------- */
.strip { background: var(--fp-white); border-bottom: 1px solid var(--fp-line); font-size: .87rem; padding: .6rem 0; color: var(--fp-gray); }
.strip a { color: var(--fp-ink); font-weight: 600; }
.strip a:hover { color: var(--fp-red); }
.strip i { color: var(--fp-red); margin-right: .35rem; }

/* ---------- Typography helpers ---------- */
.section { padding: 100px 0; }
.section-sm { padding: 64px 0; }
.bg-white { background: #fff !important; }
.bg-ink { background: var(--fp-ink); color: #c9c9c9; }
.bg-ink h2, .bg-ink h3, .bg-ink h4 { color: #fff; }
.index-label { display: flex; align-items: center; gap: .8rem; font-family: var(--fp-font-head); font-weight: 700; font-size: .82rem; text-transform: uppercase; letter-spacing: .16em; color: var(--fp-gray); margin-bottom: 1.1rem; }
.index-label b { color: var(--fp-red); font-weight: 800; }
.index-label::after { content: ""; flex: 1; max-width: 80px; height: 1px; background: currentColor; opacity: .4; }
.bg-ink .index-label { color: #9a9a9a; }
.big-title { font-size: clamp(2.2rem, 4.4vw, 3.6rem); margin-bottom: 1.2rem; }
.big-title .red { color: var(--fp-red); }
.copy { color: var(--fp-gray); font-size: 1.08rem; }
.bg-ink .copy { color: #b0b0b0; }

/* ---------- Buttons ---------- */
.btn { border-radius: 0; font-family: var(--fp-font-head); font-weight: 700; padding: .95rem 1.7rem; transition: all .2s ease; letter-spacing: .01em; }
.btn-red { background: var(--fp-red); color: #fff; border: 2px solid var(--fp-red); }
.btn-red:hover, .btn-red:focus { background: var(--fp-red-dark); border-color: var(--fp-red-dark); color: #fff; }
.btn-ink { background: var(--fp-ink); color: #fff; border: 2px solid var(--fp-ink); }
.btn-ink:hover, .btn-ink:focus { background: var(--fp-red); border-color: var(--fp-red); color: #fff; }
.btn-line { background: transparent; color: var(--fp-ink); border: 2px solid var(--fp-ink); }
.btn-line:hover { background: var(--fp-ink); color: #fff; }
.btn-line-white { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.6); }
.btn-line-white:hover { background: #fff; color: var(--fp-ink); border-color: #fff; }
.link-red { font-family: var(--fp-font-head); font-weight: 700; color: var(--fp-ink); display: inline-flex; align-items: center; gap: .55rem; }
.link-red i { color: var(--fp-red); transition: transform .2s ease; }
.link-red:hover { color: var(--fp-red); }
.link-red:hover i { transform: translateX(4px); }

/* ---------- Hero slideshow ---------- */
.hero-slides .carousel-item { height: min(88vh, 760px); min-height: 560px; background: var(--fp-ink); }
.hero-slides .carousel-item img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: .55; }
.hero-slides .carousel-item img.img-missing { visibility: hidden; }
.hero-slides .carousel-item::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(17,17,17,.92) 0%, rgba(17,17,17,.6) 55%, rgba(17,17,17,.15) 100%); }
.hero-slides .caption { position: absolute; inset: 0; z-index: 2; display: flex; align-items: center; }
.hero-slides .caption .num { font-family: var(--fp-font-head); font-weight: 800; color: var(--fp-red); font-size: .95rem; letter-spacing: .16em; margin-bottom: 1rem; display: block; }
.hero-slides h1, .hero-slides h2 { color: #fff; font-size: clamp(2.4rem, 5.4vw, 4.6rem); max-width: 820px; margin-bottom: 1.3rem; }
.hero-slides h1 .red, .hero-slides h2 .red { color: var(--fp-red); }
.hero-slides p { color: #dcdcdc; font-size: 1.15rem; max-width: 560px; }
.hero-slides .carousel-indicators { justify-content: flex-start; margin: 0 0 2.4rem; left: max(12px, calc((100% - 1140px) / 2 + 12px)); right: auto; }
.hero-slides .carousel-indicators [data-bs-target] { width: 46px; height: 4px; background: #fff; opacity: .35; border: 0; margin-right: 8px; }
.hero-slides .carousel-indicators .active { opacity: 1; background: var(--fp-red); }
.hero-slides .carousel-control-prev, .hero-slides .carousel-control-next { width: 56px; height: 56px; top: auto; bottom: 2rem; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.25); opacity: 1; }
.hero-slides .carousel-control-prev { left: auto; right: calc(2rem + 64px); }
.hero-slides .carousel-control-next { right: 2rem; }
.hero-slides .carousel-control-prev:hover, .hero-slides .carousel-control-next:hover { background: var(--fp-red); border-color: var(--fp-red); }

/* ---------- Pillars bar ---------- */
.pillars { background: #fff; border-bottom: 1px solid var(--fp-line); }
.pillar { padding: 2rem 1.6rem; height: 100%; border-right: 1px solid var(--fp-line); }
.pillars .col-lg-3:last-child .pillar { border-right: 0; }
.pillar .n { font-family: var(--fp-font-head); font-weight: 800; color: var(--fp-red); font-size: .9rem; }
.pillar h3 { font-size: 1.15rem; margin: .5rem 0 .3rem; }
.pillar p { margin: 0; color: var(--fp-gray); font-size: .95rem; line-height: 1.55; }

/* ---------- Page header ---------- */
.page-banner { position: relative; background: var(--fp-ink); color: #cfcfcf; padding: 110px 0 70px; overflow: hidden; }
.page-banner .bg { position: absolute; inset: 0; }
.page-banner .bg img { width: 100%; height: 100%; object-fit: cover; opacity: .35; }
.page-banner .bg img.img-missing { visibility: hidden; }
.page-banner .bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(17,17,17,.95), rgba(17,17,17,.55)); }
.page-banner .container { position: relative; z-index: 1; }
.page-banner h1 { color: #fff; font-size: clamp(2.4rem, 5.4vw, 4.4rem); max-width: 900px; margin-bottom: .8rem; }
.page-banner p { max-width: 620px; font-size: 1.1rem; margin: 0; }
.page-banner .path { font-family: var(--fp-font-head); font-weight: 700; font-size: .85rem; text-transform: uppercase; letter-spacing: .14em; margin-bottom: 1.2rem; }
.page-banner .path a { color: var(--fp-red); }
.page-banner .path .div { color: #777; margin: 0 .6rem; }
.page-banner .path .cur { color: #fff; }
.page-banner::after { content: ""; position: absolute; left: 0; bottom: 0; width: 120px; height: 6px; background: var(--fp-red); }

/* ---------- Photos ---------- */
.photo { position: relative; overflow: hidden; background: linear-gradient(135deg, #2a2a2a, #4a1a20); }
.photo img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .6s ease; }
.photo img.img-missing { visibility: hidden; }

/* ---------- Service cards ---------- */
.svc-card { background: #fff; height: 100%; display: flex; flex-direction: column; border: 1px solid var(--fp-line); transition: transform .3s ease, box-shadow .3s ease; position: relative; }
.svc-card:hover { transform: translateY(-6px); box-shadow: 0 26px 50px -30px rgba(0,0,0,.5); }
.svc-card:hover .photo img { transform: scale(1.06); }
.svc-card .photo { aspect-ratio: 4 / 3; }
.svc-card .tagnum { position: absolute; top: 0; right: 0; z-index: 2; background: var(--fp-ink); color: #fff; font-family: var(--fp-font-head); font-weight: 800; padding: .5rem .8rem; font-size: .9rem; }
.svc-card .body { padding: 1.7rem; display: flex; flex-direction: column; flex: 1; border-top: 4px solid var(--fp-red); }
.svc-card h3 { font-size: 1.4rem; margin-bottom: .7rem; }
.svc-card p { color: var(--fp-gray); flex: 1; margin-bottom: 1.4rem; }
.svc-card .btn { align-self: flex-start; padding: .75rem 1.3rem; }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.about-grid .photo.a { grid-column: span 2; aspect-ratio: 16 / 9; }
.about-grid .photo.b { aspect-ratio: 1 / 1; }
.about-grid .red-box { background: var(--fp-red); color: #fff; padding: 1.6rem; display: flex; flex-direction: column; justify-content: flex-end; font-family: var(--fp-font-head); font-weight: 800; font-size: 1.4rem; line-height: 1.2; }
.about-grid .red-box i { font-size: 2rem; margin-bottom: .6rem; }
.rule-list { list-style: none; padding: 0; margin: 1.6rem 0 2rem; }
.rule-list li { display: grid; grid-template-columns: 52px 1fr; gap: 1rem; padding: 1.1rem 0; border-top: 1px solid var(--fp-line); }
.rule-list li:last-child { border-bottom: 1px solid var(--fp-line); }
.rule-list .n { font-family: var(--fp-font-head); font-weight: 800; color: var(--fp-red); font-size: 1.1rem; }
.rule-list strong { display: block; font-family: var(--fp-font-head); font-size: 1.1rem; }
.rule-list span { color: var(--fp-gray); font-size: .97rem; }

/* ---------- Debt payoff calculator ---------- */
.calc-box { background: #fff; color: var(--fp-ink); padding: 2.6rem; }
.calc-box .form-label { font-family: var(--fp-font-head); font-weight: 700; font-size: .85rem; text-transform: uppercase; letter-spacing: .08em; }
.calc-box .form-control { font-family: var(--fp-font-head); font-weight: 700; font-size: 1.15rem; }
.calc-box .input-group-text { border-radius: 0; background: var(--fp-paper); border: 1.5px solid var(--fp-line); font-weight: 700; }
.calc-out { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: 1.8rem; border: 1.5px solid var(--fp-ink); }
.calc-out > div { padding: 1.2rem 1rem; border-right: 1.5px solid var(--fp-ink); }
.calc-out > div:last-child { border-right: 0; }
.calc-out small { display: block; font-family: var(--fp-font-head); font-weight: 700; font-size: .72rem; text-transform: uppercase; letter-spacing: .1em; color: var(--fp-gray); }
.calc-out b { display: block; font-family: var(--fp-font-head); font-size: clamp(1.3rem, 2.4vw, 1.8rem); font-weight: 800; margin-top: .3rem; word-break: break-word; }
.calc-out .hl { background: var(--fp-red); color: #fff; }
.calc-out .hl small { color: #ffd6da; }
.calc-note { margin-top: 1rem; font-size: .95rem; color: var(--fp-gray); min-height: 1.5em; }
.calc-note.warn { color: var(--fp-red); font-weight: 600; }

/* ---------- Process ---------- */
.proc { border-top: 4px solid var(--fp-ink); padding-top: 1.4rem; height: 100%; }
.proc .n { font-family: var(--fp-font-head); font-weight: 800; font-size: 3.4rem; color: var(--fp-red); line-height: 1; }
.proc h3 { font-size: 1.3rem; margin: .7rem 0 .4rem; }
.proc p { color: var(--fp-gray); margin: 0; }

/* ---------- Testimonials (name switcher) ---------- */
.names .nav-link { display: flex; align-items: center; justify-content: space-between; width: 100%; text-align: left; border-radius: 0; padding: 1rem .2rem; border-top: 1px solid rgba(255,255,255,.12); color: #bdbdbd; font-family: var(--fp-font-head); font-weight: 700; font-size: 1.12rem; background: transparent; }
.names .nav-link:last-child { border-bottom: 1px solid rgba(255,255,255,.12); }
.names .nav-link i { opacity: 0; color: var(--fp-red); transition: opacity .2s ease; }
.names .nav-link:hover { color: #fff; }
.names .nav-link.active { color: #fff; background: transparent; }
.names .nav-link.active i { opacity: 1; }
.quote-panel { position: relative; padding: 0 0 0 2rem; border-left: 4px solid var(--fp-red); }
.quote-panel .qm { font-family: var(--fp-font-head); font-size: 6rem; line-height: .7; color: var(--fp-red); display: block; height: 3.2rem; }
.quote-panel p { font-family: var(--fp-font-head); font-weight: 600; font-size: clamp(1.4rem, 2.6vw, 2.1rem); line-height: 1.3; color: #fff; letter-spacing: -.01em; }
.quote-panel .who { color: var(--fp-red); font-family: var(--fp-font-head); font-weight: 700; text-transform: uppercase; letter-spacing: .14em; font-size: .9rem; margin-top: 1.4rem; }

/* ---------- Blog (overlay cards) ---------- */
.overlay-card { position: relative; display: block; overflow: hidden; height: 100%; min-height: 440px; background: var(--fp-ink); }
.overlay-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; opacity: .85; }
.overlay-card img.img-missing { visibility: hidden; }
.overlay-card::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(17,17,17,0) 25%, rgba(17,17,17,.92) 100%); }
.overlay-card:hover img { transform: scale(1.06); }
.overlay-card .ov { position: absolute; left: 0; right: 0; bottom: 0; z-index: 2; padding: 1.8rem; color: #ddd; }
.overlay-card .ov .k { font-family: var(--fp-font-head); font-weight: 800; color: var(--fp-red); font-size: .85rem; letter-spacing: .14em; text-transform: uppercase; }
.overlay-card h3 { color: #fff; font-size: 1.45rem; margin: .5rem 0 .6rem; }
.overlay-card p { margin: 0 0 1rem; font-size: .96rem; color: #cfcfcf; }
.overlay-card .go { color: #fff; font-family: var(--fp-font-head); font-weight: 700; display: inline-flex; gap: .5rem; align-items: center; border-bottom: 2px solid var(--fp-red); padding-bottom: 2px; }

.post-photo { aspect-ratio: 16 / 8; margin-bottom: 2.6rem; }
.post-text { font-size: 1.1rem; }
.post-text p { margin-bottom: 1.45rem; color: #2a2a2a; }
.post-text h2 { font-size: 1.85rem; margin: 2.4rem 0 1rem; }
.post-text h2::before { content: ""; display: block; width: 40px; height: 4px; background: var(--fp-red); margin-bottom: .9rem; }
.post-text .boxed { background: var(--fp-ink); color: #eee; padding: 1.6rem 1.8rem; margin: 2.2rem 0; font-family: var(--fp-font-head); font-weight: 600; font-size: 1.2rem; line-height: 1.45; border-left: 6px solid var(--fp-red); }
.sidebox { background: #fff; border: 1px solid var(--fp-line); padding: 1.7rem; margin-bottom: 1.5rem; }
.sidebox h3 { font-size: 1.1rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 1rem; padding-bottom: .7rem; border-bottom: 2px solid var(--fp-ink); }
.sidebox .sp { display: flex; gap: .9rem; align-items: center; padding: .7rem 0; border-bottom: 1px solid var(--fp-line); }
.sidebox .sp:last-child { border-bottom: 0; }
.sidebox .sp .photo { width: 80px; height: 64px; flex: 0 0 80px; }
.sidebox .sp a { font-family: var(--fp-font-head); font-weight: 700; color: var(--fp-ink); line-height: 1.3; font-size: .97rem; }
.sidebox .sp a:hover { color: var(--fp-red); }
.sidebox ul { list-style: none; padding: 0; margin: 0; }
.sidebox ul a { display: flex; justify-content: space-between; padding: .6rem 0; border-bottom: 1px solid var(--fp-line); color: var(--fp-ink); font-weight: 600; }
.sidebox ul li:last-child a { border-bottom: 0; }
.sidebox ul a:hover { color: var(--fp-red); }
.sidebox.red { background: var(--fp-red); border-color: var(--fp-red); color: #ffe3e6; }
.sidebox.red h3 { color: #fff; border-color: #fff; }
.pager-row { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-top: 2.6rem; padding-top: 1.6rem; border-top: 2px solid var(--fp-ink); }

/* ---------- FAQ ---------- */
.faq-fp .accordion-item { background: transparent; border: 0; border-top: 2px solid var(--fp-ink); border-radius: 0 !important; }
.faq-fp .accordion-item:last-child { border-bottom: 2px solid var(--fp-ink); }
.faq-fp .accordion-button { background: transparent; font-family: var(--fp-font-head); font-weight: 800; font-size: 1.15rem; color: var(--fp-ink); padding: 1.3rem 0; box-shadow: none; }
.faq-fp .accordion-button:not(.collapsed) { color: var(--fp-red); }
.faq-fp .accordion-button:focus { box-shadow: none; outline: 2px solid var(--fp-red); outline-offset: 2px; }
.faq-fp .accordion-body { padding: 0 0 1.4rem; color: var(--fp-gray); }

/* ---------- Newsletter ---------- */
.news-split { display: grid; grid-template-columns: 1fr 1.3fr; background: var(--fp-red); color: #ffe3e6; }
.news-split .photo { min-height: 320px; }
.news-split .inner { padding: 3.2rem; }
.news-split h2 { color: #fff; }
.news-split .form-control { border: 0; border-radius: 0; padding: .95rem 1.1rem; }
.news-split .form-status.success { background: #fff; }
.news-split .form-status.error { background: #fff; }

/* ---------- CTA ---------- */
.cta-strip { background: var(--fp-ink); color: #c9c9c9; padding: 3.4rem; display: flex; flex-wrap: wrap; gap: 1.6rem; align-items: center; justify-content: space-between; border-left: 10px solid var(--fp-red); }
.cta-strip h2 { color: #fff; margin: 0 0 .4rem; }

/* ---------- Forms ---------- */
.form-panel { background: #fff; border: 1px solid var(--fp-line); padding: 2.6rem; border-top: 6px solid var(--fp-red); }
.form-label { font-family: var(--fp-font-head); font-weight: 700; font-size: .92rem; }
.form-control, .form-select { border-radius: 0; border: 1.5px solid var(--fp-line); padding: .8rem 1rem; background-color: var(--fp-paper); }
.form-control:focus, .form-select:focus { border-color: var(--fp-ink); box-shadow: 0 0 0 .2rem rgba(214,40,57,.18); background-color: #fff; }
.form-check-input { border-radius: 0 !important; border: 1.5px solid var(--fp-ink); }
.form-check-input:checked { background-color: var(--fp-red); border-color: var(--fp-red); }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { display: none; margin-top: 1rem; padding: .95rem 1.1rem; font-weight: 600; border-left: 5px solid; }
.form-status.show { display: block; }
.form-status.success { background: #e8f6ee; color: #146c43; border-color: #198754; }
.form-status.error { background: var(--fp-red-soft); color: var(--fp-red-dark); border-color: var(--fp-red); }
.btn .spinner-border { width: 1rem; height: 1rem; border-width: .15em; margin-right: .4rem; }

.contact-row { display: grid; grid-template-columns: 56px 1fr; gap: 1rem; padding: 1.4rem 0; border-top: 1px solid var(--fp-line); }
.contact-row:last-of-type { border-bottom: 1px solid var(--fp-line); }
.contact-row .ic { width: 56px; height: 56px; background: var(--fp-ink); color: #fff; display: grid; place-items: center; font-size: 1.3rem; }
.contact-row h3 { font-size: 1.1rem; margin-bottom: .15rem; }
.contact-row p, .contact-row a { margin: 0; color: var(--fp-gray); font-weight: 600; overflow-wrap: anywhere; }
.contact-row a:hover { color: var(--fp-red); }
.map-plain { line-height: 0; border: 1px solid var(--fp-line); }
.map-plain iframe { width: 100%; height: 420px; border: 0; filter: grayscale(1) contrast(1.1); }

/* ---------- Values ---------- */
.val { padding: 2rem 0 0; border-top: 4px solid var(--fp-ink); height: 100%; }
.val i { font-size: 1.8rem; color: var(--fp-red); }
.val h3 { font-size: 1.3rem; margin: .8rem 0 .4rem; }
.val p { margin: 0; color: var(--fp-gray); }

/* ---------- Legal ---------- */
.legal-doc { background: #fff; border: 1px solid var(--fp-line); padding: 3.2rem; }
.legal-doc h2 { font-size: 1.45rem; margin: 2.4rem 0 .8rem; }
.legal-doc h2:first-child { margin-top: 0; }
.legal-doc h2 .n { color: var(--fp-red); margin-right: .5rem; }
.legal-doc p, .legal-doc li { color: #333; }
.legal-menu { position: sticky; top: 30px; }
.legal-menu a { display: block; padding: .5rem 0; border-top: 1px solid var(--fp-line); color: var(--fp-gray); font-weight: 600; font-size: .94rem; }
.legal-menu a:hover { color: var(--fp-red); }

/* ---------- Footer ---------- */
.footer { background: var(--fp-ink-2); color: #a8a8a8; padding: 80px 0 0; font-size: .96rem; }
.footer h4 { color: #fff; font-size: .95rem; text-transform: uppercase; letter-spacing: .14em; margin-bottom: 1.3rem; }
.footer a { color: #dedede; }
.footer a:hover { color: var(--fp-red); }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer ul li { margin-bottom: .6rem; }
.footer .cl { display: flex; gap: .7rem; }
.footer .cl i { color: var(--fp-red); }
.footer .brand-logo { color: #fff !important; }
.footer .form-control { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.15); color: #fff; }
.footer .form-control::placeholder { color: #8a8a8a; }
.footer .form-control:focus { background: rgba(255,255,255,.1); }
.footer .form-status.success { background: rgba(25,135,84,.18); color: #9fe0bf; border-color: #198754; }
.footer .form-status.error { background: rgba(214,40,57,.18); color: #ffb3bb; border-color: var(--fp-red); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 60px; padding: 1.4rem 0; font-size: .9rem; }

.to-top { position: fixed; right: 22px; bottom: 22px; width: 50px; height: 50px; border: 0; background: var(--fp-red); color: #fff; font-size: 1.2rem; display: grid; place-items: center; opacity: 0; visibility: hidden; transition: all .3s ease; z-index: 1050; }
.to-top.show { opacity: 1; visibility: visible; }
.to-top:hover { background: var(--fp-ink); }

.appear { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.appear.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .appear { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } }

/* ---------- Responsive ---------- */
@media (max-width: 1199.98px) { .hero-slides .carousel-control-prev, .hero-slides .carousel-control-next { display: none; } }
@media (max-width: 991.98px) {
  .section { padding: 76px 0; }
  .hero-slides .carousel-item { height: 620px; min-height: 0; }
  .pillar { border-right: 0; border-bottom: 1px solid var(--fp-line); }
  .news-split { grid-template-columns: 1fr; }
  .news-split .inner, .cta-strip { padding: 2.4rem 1.6rem; }
  .page-banner { padding: 80px 0 60px; }
}
@media (max-width: 575.98px) {
  .g-5, .gx-5 { --bs-gutter-x: 1.5rem; }
  .brand-logo { font-size: 1.12rem; gap: .45rem; }
  .brand-logo .sq { width: 30px; height: 30px; flex-basis: 30px; font-size: .9rem; }
  .calc-box, .form-panel, .legal-doc { padding: 1.5rem; }
  .calc-out { grid-template-columns: 1fr; }
  .calc-out > div { border-right: 0; border-bottom: 1.5px solid var(--fp-ink); }
  .calc-out > div:last-child { border-bottom: 0; }
  .quote-panel { padding-left: 1.2rem; }
  .overlay-card { min-height: 380px; }
}