/* ============================================
   GOALPAY CONSULTING - MAIN STYLESHEET
   Design: Refined Corporate Gold + Deep Navy
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Lato:ital,wght@0,100;0,300;0,400;0,700;0,900;1,100;1,300;1,400;1,700;1,900&display=swap');

.lato-thin {
  font-family: 'Lato', sans-serif;
  font-weight: 100;
  font-style: normal;
}

.lato-light {
  font-family: 'Lato', sans-serif;
  font-weight: 300;
  font-style: normal;
}

.lato-regular {
  font-family: 'Lato', sans-serif;
  font-weight: 400;
  font-style: normal;
}

.lato-bold {
  font-family: 'Lato', sans-serif;
  font-weight: 700;
  font-style: normal;
}

.lato-black {
  font-family: 'Lato', sans-serif;
  font-weight: 900;
  font-style: normal;
}

.lato-thin-italic {
  font-family: 'Lato', sans-serif;
  font-weight: 100;
  font-style: italic;
}

.lato-light-italic {
  font-family: 'Lato', sans-serif;
  font-weight: 300;
  font-style: italic;
}

.lato-regular-italic {
  font-family: 'Lato', sans-serif;
  font-weight: 400;
  font-style: italic;
}

.lato-bold-italic {
  font-family: 'Lato', sans-serif;
  font-weight: 700;
  font-style: italic;
}

.lato-black-italic {
  font-family: 'Lato', sans-serif;
  font-weight: 900;
  font-style: italic;
}


:root {
  --navy: #0A1628;
  --navy-mid: #112240;
  --navy-light: #1B3A6B;
  --gold: #1e9321;
  --gold-light: #3daa3f;
  --gold-pale: #43bf46;
  --white: #FFFFFF;
  --off-white: #f3f8f0;
  --text-dark: #1A1A2E;
  --text-muted: #6B7B8D;
  --border: rgba(201,168,76,0.25);
  --shadow: 0 20px 60px rgba(10,22,40,0.15);
  --shadow-gold: 0 8px 32px rgba(201,168,76,0.2);
  --transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  --font-heading: 'Lato', sans-serif;
  --font-display: 'Lato', sans-serif;
  --font-body: 'Lato', sans-serif;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; font-family: 'Lato', sans-serif;}

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}

/* ---- SCROLLBAR ---- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--navy); }
::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 3px; }

/* ============================================
   TYPOGRAPHY
   ============================================ */
h1, h2, h3, h4 { font-family: var(--font-heading); font-weight: 600; line-height: 1.15; }
h1 { font-size: clamp(2.5rem, 5vw, 4.5rem); }
h2 { font-size: clamp(2rem, 4vw, 3.2rem); }
h3 { font-size: clamp(1.4rem, 2.5vw, 2rem); }
h4 { font-size: 1.25rem; }
p { font-size: 1rem; color: var(--text-muted); }

.section-label {
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 1rem;
}

/* ============================================
   NAVBAR
   ============================================ */
.navbar-goalpay {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0;
  transition: var(--transition);
  background: #FFFFFF;
}

.navbar-goalpay.scrolled {
  background: #FFFFFF;
  backdrop-filter: blur(20px);
  box-shadow: 0 2px 30px rgba(0,0,0,0.3);
}

.navbar-goalpay .nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.4rem 2.5rem;
  max-width: 1400px;
  margin: 0 auto;
}

.navbar-goalpay .logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
}

.logo-mark {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--navy);
  box-shadow: var(--shadow-gold);
  flex-shrink: 0;
}

.logo-text { line-height: 1; }
.logo-text .brand { font-family: var(--font-heading); font-size: 1.4rem; font-weight: 700; color: var(--white); letter-spacing: 0.02em; }
.logo-text .tagline { font-size: 0.6rem; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold); font-weight: 500; }

.nav-links { display: flex; align-items: center; gap: 0.25rem; list-style: none; }

.nav-links a {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color:#454545;
  text-decoration: none;
  padding: 0.6rem 1.1rem;
  border-radius: 6px;
  transition: var(--transition);
  position: relative;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 4px; left: 50%;
  width: 0; height: 2px;
  background: var(--gold);
  border-radius: 1px;
  transform: translateX(-50%);
  transition: width 0.3s ease;
}

.nav-links a:hover, .nav-links a.active { color: var(--gold); }
.nav-links a:hover::after, .nav-links a.active::after { width: 60%; }

.nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-light)) !important;
  color: #ffffff !important;
  font-weight: 600 !important;
  padding: 0.65rem 1.5rem !important;
  border-radius: 50px !important;
  box-shadow: var(--shadow-gold);
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { transform: translateY(-2px); box-shadow: 0 12px 40px rgba(201,168,76,0.4) !important; }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 5px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--gold-light); border-radius: 2px; transition: var(--transition); }

@media (max-width: 991px) {
  .hamburger { display: flex; }
  .nav-links {
    position: fixed;
    top: 0; right: -100%;
    width: 280px; height: 100vh;
    background: var(--navy);
    flex-direction: column;
    justify-content: center;
    gap: 0.5rem;
    padding: 2rem;
    transition: right 0.4s ease;
    box-shadow: -10px 0 40px rgba(0,0,0,0.4);
  }
  .nav-links.open { right: 0; }
  .nav-links a { font-size: 1rem; padding: 1rem 1.5rem; width: 100%;color:#f3f8f0}
  .nav-links li { margin: 0.5rem 0; }
}

/* ============================================
   HERO / BANNER SECTIONS
   ============================================ */
.page-banner {
  position: relative;
  height: 60vh;
  min-height: 400px;
  display: flex; align-items: center;
  overflow: hidden;
}

.page-banner .banner-bg {
  position: absolute; inset: 0;
  /*background: var(--navy);*/
  z-index: 0;
}

.page-banner .banner-bg::before {
  content: '';
  position: absolute; inset: 0;
  /*background: linear-gradient(135deg, rgba(10,22,40,0.95) 0%, rgba(27,58,107,0.7) 60%, rgba(201,168,76,0.1) 100%);*/
  z-index: 1;
}
.sticky-button-whatsapp {
    position: fixed !important;
    bottom: 3%;
    right: 15px;
    color: #fff;
    cursor: pointer;
    border: none;
    z-index: 9999;
}
.banner-geo {
  position: absolute;
  right: -5%;
  top: 50%;
  transform: translateY(-50%);
  width: 55%;
  height: 120%;
  background: linear-gradient(135deg, transparent 30%, rgba(201,168,76,0.08) 100%);
  clip-path: polygon(20% 0%, 100% 0%, 100% 100%, 0% 100%);
  z-index: 1;
}

.banner-pattern {
  position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(201,168,76,0.12) 1px, transparent 1px);
  background-size: 40px 40px;
  z-index: 1;
}

.page-banner .container { position: relative; z-index: 2; }

.banner-breadcrumb {
  display: flex; align-items: center; gap: 0.5rem;
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.5rem;
}
.banner-breadcrumb a { color: var(--gold); text-decoration: none; }
.banner-breadcrumb span { color: rgba(255,255,255,0.3); }

.page-banner h1 { color: var(--white); margin-bottom: 1rem; }
.page-banner p { color: rgba(255,255,255,0.7); font-size: 1.1rem; max-width: 600px; }

.gold-line {
  width: 60px; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
  margin-bottom: 1.5rem;
}

/* ---- HOME HERO ---- */



.hero-section {
  position: relative;
  min-height: 100vh;
  display: flex; align-items: center;
  overflow: hidden;
  background: var(--navy);
}

.hero-bg-layers {
  position: absolute; inset: 0;
  z-index: 0;
}

.hero-bg-gradient {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(27,58,107,0.8) 0%, rgba(10,22,40,1) 70%);
}

.hero-grid-lines {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.05) 1px, transparent 1px);
  background-size: 80px 80px;
}

.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
}
.hero-orb-1 { width: 500px; height: 500px; top: -100px; right: 5%; background: rgba(201,168,76,0.12); }
.hero-orb-2 { width: 350px; height: 350px; bottom: -50px; left: 10%; background: rgba(27,58,107,0.6); }

.hero-content { position: relative; z-index: 1; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 0.6rem;
  background: rgba(201,168,76,0.1);
  border: 1px solid var(--border);
  border-radius: 50px;
  padding: 0.5rem 1.2rem;
  margin-bottom: 2rem;
  animation: fadeInDown 0.8s ease forwards;
}
.hero-badge .dot { width: 8px; height: 8px; background: var(--gold); border-radius: 50%; animation: pulse 2s infinite; }
.hero-badge span { font-size: 0.75rem; letter-spacing: 0.15em; text-transform: uppercase; color: var(--gold); font-weight: 600; }

.hero-title { color: var(--white); margin-bottom: 1.5rem; animation: fadeInUp 0.9s 0.2s ease both; }
.hero-title em { font-style: italic; color: var(--gold); }

.hero-subtitle { font-size: 1.15rem; color: rgba(255,255,255,0.65); max-width: 540px; margin-bottom: 2.5rem; animation: fadeInUp 0.9s 0.4s ease both; }

.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; animation: fadeInUp 0.9s 0.6s ease both; }

.hero-stats {
  display: flex; gap: 2.5rem; margin-top: 3.5rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(201,168,76,0.15);
  animation: fadeInUp 0.9s 0.8s ease both;
}

.stat-item .num { font-family: var(--font-heading); font-size: 2.2rem; font-weight: 700; color:#ffffff; line-height: 1; }
.stat-item .lbl { font-size: 0.75rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin-top: 0.3rem; }

.hero-visual { position: relative; z-index: 1; animation: fadeInRight 1s 0.3s ease both; }

.hero-card-stack { position: relative; }

.hero-main-card {
  background: rgba(255,255,255,0.05);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 20px;
  padding: 2.5rem;
  position: relative;
  overflow: hidden;
}
.hero-main-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
}

.hero-card-icon { font-size: 2.5rem; margin-bottom: 1.5rem; }
.hero-card-title { font-family: var(--font-heading); font-size: 1.4rem; color: var(--white); margin-bottom: 0.5rem; }
.hero-card-sub { font-size: 1rem; color: rgba(255,255,255,0.5); margin-bottom: 1rem; }

.service-pills { display: flex; flex-wrap: wrap; gap: 0.5rem;  font-family: 'Lato', sans-serif; }
.service-pill {
  background: rgba(201,168,76,0.1);
  border: 1px solid var(--border);
  border-radius: 50px;
  padding: 0.4rem 1rem;
  font-size: 0.75rem;
  color:#ffffff;
  font-weight: 500;
  font-family: 'Lato', sans-serif;
}
.service-pill:hover{background-color: #3daa3f;}

.floating-badge {
  position: absolute;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 12px;
  padding: 0.75rem 1.25rem;
  box-shadow: 0 12px 40px rgba(201,168,76,0.35);
}
.floating-badge .fb-num { font-family: var(--font-heading); font-size: 1.6rem; font-weight: 700; color: #ffffff; line-height: 1; }
.floating-badge .fb-text { font-size: 0.7rem; color:#ffffff; opacity: 0.7; font-weight: 600; }
.fb-top { top: -20px; right: 30px; animation: float 3s ease-in-out infinite;z-index: 9; }
.fb-bottom { bottom: -15px; left: -20px; animation: float 3s ease-in-out infinite 1.5s; }

/* ============================================
   BUTTONS
   ============================================ */
.btn-gold {
  display: inline-flex; align-items: center; gap: 0.6rem;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: #FFFFFF;
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 1rem 2.2rem;
  border-radius: 50px;
  text-decoration: none;
  border: none; cursor: pointer;
  box-shadow: var(--shadow-gold);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.btn-gold::after {
  content: '';
  position: absolute; inset: 0;
  background: rgba(255,255,255,0.2);
  transform: translateX(-100%);
  transition: transform 0.4s ease;
}
.btn-gold:hover::after { transform: translateX(0); }
.btn-gold:hover { transform: translateY(-3px); box-shadow: 0 16px 50px rgba(201,168,76,0.45); color: var(--navy); }

.btn-outline {
  display: inline-flex; align-items: center; gap: 0.6rem;
  background: transparent;
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 1rem 2.2rem;
  border-radius: 50px;
  text-decoration: none;
  border: 1.5px solid rgba(255,255,255,0.3);
  transition: var(--transition);
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); transform: translateY(-2px); }

.btn-gold-outline {
  display: inline-flex; align-items: center; gap: 0.6rem;
  background: transparent;
  color: var(--gold);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.9rem 2rem;
  border-radius: 50px;
  text-decoration: none;
  border: 1.5px solid var(--gold);
  transition: var(--transition);
}
.btn-gold-outline:hover { background: var(--gold); color: var(--navy); transform: translateY(-2px); }

/* ============================================
   SECTION STYLES
   ============================================ */
.section-pad { padding: 100px 0; }
.section-pad-sm { padding: 70px 0; }
.bg-navy { background: var(--navy); }
.bg-navy-mid { background: var(--navy-mid); }
.bg-off-white { background: var(--off-white); }

.section-header { margin-bottom: 4rem; }
.section-header.centered { text-align: center; }
.section-header h2 { margin-bottom: 1.2rem; }
.section-header p { font-size: 1.05rem; max-width: 600px; }
.section-header.centered p { margin: 0 auto; }

.text-white h2, .text-white h3, .text-white h4 { color: var(--white); }
.text-white p { color: rgba(255,255,255,0.6); }
.text-white .section-label { color: var(--gold); }

/* ============================================
   SERVICES CARDS
   ============================================ */
.service-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(10,22,40,0.08);
  border: 1px solid rgba(10,22,40,0.06);
  transition: var(--transition);
  height: 100%;
  display: flex; flex-direction: column;
  position: relative;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow); }
.service-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}
.service-card:hover::before { transform: scaleX(1); }

.card-icon-wrap {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1.5rem;
  box-shadow: 0 8px 24px rgba(10,22,40,0.15);
  transition: var(--transition);
}
.service-card:hover .card-icon-wrap {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  box-shadow: var(--shadow-gold);
}

.service-card-body { padding: 2rem; flex: 1; display: flex; flex-direction: column; }
.service-card h4 { font-family: var(--font-heading); font-size: 1.3rem; color: var(--navy); margin-bottom: 0.8rem; }
.service-card p { flex: 1; font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 1.5rem; }
.service-card .learn-more {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-size: 0.8rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold); text-decoration: none;
  transition: var(--transition);
}
.service-card .learn-more:hover { gap: 0.8rem; }

/* ---- SERVICE DETAIL CARD (Services Page) ---- */
.service-detail-section { padding: 80px 0; }
.service-detail-section:nth-child(even) { background: var(--off-white); }

.service-detail-icon {
  width: 80px; height: 80px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 20px;
  display: flex; align-items: center; justify-content: center;
  font-size: 2.2rem;
  margin-bottom: 2rem;
  box-shadow: 0 12px 32px rgba(10,22,40,0.2);
}

.service-detail-section h2 { color: var(--navy); margin-bottom: 1.2rem; }
.service-detail-section p { color: var(--text-muted); margin-bottom: 1.5rem; }

.service-list { list-style: none; display: flex; flex-direction: column; gap: 0.25rem; }
.service-list li {
  display: flex; align-items: flex-start; gap: 0.75rem;
  font-size: 0.9rem; color: var(--text-muted);
}
.service-list li::before {
  content: '✦';
  color: var(--gold); font-size: 0.7rem; margin-top: 0.2rem; flex-shrink: 0;
}

.service-visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 20px;
  padding: 3rem;
  position: relative;
  overflow: hidden;
  min-height: 360px;
  display: flex; align-items: center; justify-content: center;
  display: none;
}
.service-visual::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 70% 30%, rgba(201,168,76,0.15), transparent 60%);
}
.service-visual .big-icon { font-size: 8rem; opacity: 0.15; position: absolute; bottom: -10px; right: 20px; }
.service-visual-inner { position: relative; z-index: 1; text-align: center; }
.service-visual .sv-title { font-family: var(--font-heading); font-size: 1.5rem; color: var(--white); margin-bottom: 0.5rem; }
.service-visual .sv-sub { font-size: 0.85rem; color: rgba(255,255,255,0.5); }

.sv-tags { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1.5rem; justify-content: center; }
.sv-tag {
  background:rgba(37, 153, 40, 10);
  border: 1px solid var(--border);
  border-radius: 50px;
  padding: 0.4rem 1rem;
  font-size: 0.75rem; color: var(--gold);
  font-weight: 500;
  color:#ffffff
}

/* ============================================
   ABOUT PAGE
   ============================================ */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }

.about-img-wrap {
  position: relative;
}
.about-img-frame {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 24px;
  /*aspect-ratio: 4/5;*/
  position: relative;
  overflow: hidden;
}
.about-img-frame::after {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 40% 60%, rgba(201,168,76,0.2), transparent 60%);
}
.about-img-frame .big-number {
  position: absolute; bottom: -20px; right: -20px;
  font-family: var(--font-heading);
  font-size: 12rem;
  color: rgba(201,168,76,0.05);
  line-height: 1;
  z-index: 0;
}
.about-img-frame .inner-content { position: relative; z-index: 1; padding: 3rem; }

.about-accent-card {
  position: absolute;
  bottom: -30px; right: -30px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 16px;
  padding: 1.5rem 2rem;
  box-shadow: 0 20px 50px rgba(201,168,76,0.35);
}
.about-accent-card .big { font-family: var(--font-heading); font-size: 1.5rem; font-weight: 700; color: var(--navy); line-height: 1; }
.about-accent-card .small { font-size: 1.2rem; color: var(--navy); opacity: 0.7; font-weight: 600; }

.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.value-card {
  background: var(--navy);
  border-radius: 16px;
  padding: 2rem;
  border: 1px solid rgba(201,168,76,0.1);
  transition: var(--transition);
}
.value-card:hover { border-color: rgba(201,168,76,0.4); transform: translateY(-4px); }
.value-icon { font-size: 2rem; margin-bottom: 1rem; }
.value-card h4 { color: var(--white); margin-bottom: 0.5rem; font-size: 1.1rem; }
.value-card p { font-size: 0.85rem; color: rgba(255,255,255,0.5); }

.team-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(10,22,40,0.08);
  text-align: center;
  transition: var(--transition);
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }

.team-avatar {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  aspect-ratio: 1;
  position: relative;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-size: 3rem;
  font-weight: 600;
  color: var(--gold-light);
}

.team-card-body { padding: 1.5rem; }
.team-card h4 { color: var(--navy); margin-bottom: 0.25rem; }
.team-role { font-size: 0.8rem; color: var(--gold); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonial-card {
  background: var(--white);
  border-radius: 20px;
  padding: 2.5rem;
  box-shadow: 0 8px 40px rgba(10,22,40,0.08);
  border: 1px solid rgba(10,22,40,0.06);
  position: relative;
  transition: var(--transition);
  height: 100%;
}
.testimonial-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }

.quote-mark {
  font-family: var(--font-heading);
  font-size: 5rem;
  color: var(--gold);
  opacity: 0.2;
  line-height: 0.5;
  margin-bottom: 1.5rem;
}

.testimonial-card p { font-size: 0.95rem; color: var(--text-muted); font-style: italic; margin-bottom: 2rem; line-height: 1.8; }

.testimonial-author { display: flex; align-items: center; gap: 1rem; }
.author-avatar {
  width: 52px; height: 52px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 1.2rem;
  color: var(--gold-light); font-weight: 600; flex-shrink: 0;
}
.author-name { font-family: var(--font-heading); font-size: 1.1rem; font-weight: 600; color: var(--navy); }
.author-title { font-size: 0.8rem; color: var(--gold); font-weight: 500; }

.star-rating { display: flex; gap: 3px; margin-bottom: 1rem; }
.star-rating span { color: var(--gold); font-size: 0.9rem; }

/* ============================================
   CONTACT PAGE
   ============================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 4rem; align-items: start; }

.contact-info-card {
  background: var(--navy);
  border-radius: 24px;
  padding: 3rem;
  position: sticky;
  top: 100px;
}
.contact-info-card h3 { color: var(--white); margin-bottom: 2rem; }

.contact-item {
  display: flex; align-items: flex-start; gap: 1.2rem;
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(201,168,76,0.1);
}
.contact-item:last-of-type { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }

.ci-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: rgba(201,168,76,0.1);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.ci-label { font-size: 0.7rem; letter-spacing: 0.15em; text-transform: uppercase; color: var(--gold); font-weight: 600; margin-bottom: 0.3rem; }
.ci-value { font-size: 0.95rem; color: rgba(255,255,255,0.8); }

.contact-form-wrap {
  background: var(--white);
  border-radius: 24px;
  padding: 3rem;
  box-shadow: var(--shadow);
}
.contact-form-wrap h3 { color: var(--navy); margin-bottom: 2rem; }

.form-group { margin-bottom: 1.5rem; }
.form-label {
  display: block;
  font-size: 0.75rem; letter-spacing: 0.12em; text-transform: uppercase;
  font-weight: 700; color: var(--navy-mid); margin-bottom: 0.5rem;
}
.form-control, .form-select {
  width: 100%;
  padding: 0.9rem 1.2rem;
  border: 1.5px solid rgba(10,22,40,0.12);
  border-radius: 10px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--off-white);
  transition: var(--transition);
  outline: none;
}
.form-control:focus, .form-select:focus {
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(201,168,76,0.1);
}
textarea.form-control { resize: vertical; min-height: 140px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }

.form-submit { width: 100%; margin-top: 0.5rem; }

.form-alert {
  padding: 1rem 1.5rem;
  border-radius: 10px;
  margin-bottom: 1.5rem;
  display: none;
  font-size: 0.9rem;
  font-weight: 500;
}
.form-alert.success { background: rgba(34,197,94,0.1); border: 1px solid rgba(34,197,94,0.3); color: #15803d; }
.form-alert.error { background: rgba(239,68,68,0.1); border: 1px solid rgba(239,68,68,0.3); color: #b91c1c; }

/* ============================================
   HOME — WHY US / FEATURES
   ============================================ */
.feature-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.12);
  border-radius: 16px;
  padding: 2rem;
  transition: var(--transition);
}
.feature-card:hover { background: rgba(201,168,76,0.06); border-color: rgba(201,168,76,0.3); transform: translateY(-4px); }
.feature-icon { font-size: 2rem; margin-bottom: 1rem; }
.feature-card h4 { color: var(--white); font-size: 1.1rem; margin-bottom: 0.6rem; }
.feature-card p { font-size: 0.875rem; color: rgba(255,255,255,0.5); }

/* ============================================
   CTA BAND
   ============================================ */
.cta-band {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(255,255,255,0.15), transparent 60%);
}
.cta-band::after {
  content: 'GoalPay';
  position: absolute;
  right: -2%;
  top: 50%; transform: translateY(-50%);
  font-family: var(--font-heading);
  font-size: 10rem;
  font-weight: 700;
  color: rgba(10,22,40,0.05);
  white-space: nowrap;
  letter-spacing: -0.05em;
}
.cta-band h2 { color: var(--navy); }
.cta-band p { color: rgba(10,22,40,0.65); }
.btn-navy {
  display: inline-flex; align-items: center; gap: 0.6rem;
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 1rem 2.2rem;
  border-radius: 50px;
  text-decoration: none;
  border: none; cursor: pointer;
  box-shadow: 0 8px 30px rgba(10,22,40,0.3);
  transition: var(--transition);
}
.btn-navy:hover { background: var(--navy-light); transform: translateY(-3px); color: var(--white); }

/* ============================================
   FAQ PAGE
   ============================================ */
.faq-item {
  background: var(--white);
  border-radius: 14px;
  border: 1px solid rgba(10,22,40,0.08);
  margin-bottom: 1rem;
  overflow: hidden;
  transition: var(--transition);
}
.faq-item.open { border-color: var(--gold); box-shadow: 0 4px 20px rgba(201,168,76,0.15); }

.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.5rem 2rem;
  cursor: pointer;
  gap: 1rem;
}
.faq-question h4 { font-family: var(--font-heading); font-size: 1.15rem; color: var(--navy); flex: 1; margin: 0; }
.faq-arrow {
  width: 36px; height: 36px; flex-shrink: 0;
  background: var(--off-white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; color: var(--gold);
  transition: transform 0.4s ease;
}
.faq-item.open .faq-arrow { transform: rotate(45deg); background: var(--gold); color: var(--navy); }

.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s ease;
}
.faq-answer-inner {
  padding: 0 2rem 1.5rem;
  font-size: 0.95rem; color: var(--text-muted); line-height: 1.8;
}

/* ============================================
   PRIVACY POLICY
   ============================================ */
.policy-content { max-width: 800px; }
.policy-content h3 { color: var(--navy); margin-top: 2.5rem; margin-bottom: 1rem; }
.policy-content p { color: var(--text-muted); margin-bottom: 1rem; }
.policy-content ul { padding-left: 1.5rem; color: var(--text-muted); margin-bottom: 1rem; }
.policy-content ul li { margin-bottom: 0.5rem; }

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--navy);
  padding: 80px 0 0;
  position: relative;
  overflow: hidden;
}
.footer::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.footer-brand .logo { display: flex; align-items: center; gap: 0.75rem; text-decoration: none; margin-bottom: 0.5rem; }
.footer-brand p { font-size: 0.875rem; color: rgba(255,255,255,0.45); line-height: 1.8; max-width: 280px; }

.footer-socials { display: flex; gap: 0.75rem; margin-top: 1.5rem; }
.social-btn {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  font-size: 0.9rem;
  transition: var(--transition);
}
.social-btn:hover { background: var(--gold); border-color: var(--gold); color: var(--navy); }

.footer-col h5 {
  font-family: var(--font-body);
  font-size: 0.7rem;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 1.5rem;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 0.75rem; padding: 0;}
.footer-links a {
  font-size: 0.875rem; color: rgba(255,255,255,0.45); text-decoration: none;
  transition: color 0.3s;
  display: flex; align-items: center; gap: 0.4rem;
}
.footer-links a::before { content: '→'; color: var(--gold); opacity: 0; transition: opacity 0.3s; font-size: 0.75rem; }
.footer-links a:hover { color: var(--gold-light); }
.footer-links a:hover::before { opacity: 1; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 1.5rem 0;
  margin-top: 4rem;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.3); margin: 0; }

/* ============================================
   ANIMATIONS
   ============================================ */
@keyframes fadeInDown { from { opacity: 0; transform: translateY(-20px); } to { opacity: 1; transform: translateY(0); } }
@keyframes fadeInUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }
@keyframes fadeInRight { from { opacity: 0; transform: translateX(40px); } to { opacity: 1; transform: translateX(0); } }
@keyframes float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
@keyframes pulse { 0%, 100% { transform: scale(1); opacity: 1; } 50% { transform: scale(1.3); opacity: 0.7; } }

.fade-in { opacity: 0; transform: translateY(30px); transition: opacity 0.7s ease, transform 0.7s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); z-index: 1; }

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 991px) {
  .about-grid { grid-template-columns: 1fr; gap: 3rem; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-info-card { position: static; }
  .hero-stats { gap: 1.5rem; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 767px) {
  .section-pad { padding: 70px 0; }
  .hero-stats { flex-wrap: wrap; gap: 1.5rem; }
  .values-grid { grid-template-columns: 1fr; }
  .about-accent-card { right: 0; bottom: -20px; }
  .fb-top, .fb-bottom { display: none; }
}


/* ============================================
   HOW WE WORK — PROCESS SECTION
   ============================================ */
.how-we-work-section {
  background: var(--off-white);
  position: relative;
  overflow: hidden;
}
.how-we-work-section::before {
  content: '';
  position: absolute;
  top: -120px; right: -120px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(201,168,76,0.07), transparent 70%);
  pointer-events: none;
}
.how-we-work-section::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(10,22,40,0.05), transparent 70%);
  pointer-events: none;
}
 
/* Dashed connector line behind cards (desktop only) */
.process-track { position: relative; }
.process-connector {
  display: none;
  position: absolute;
  top: 88px;
  left: calc(10% + 60px);
  right: calc(10% + 60px);
  height: 2px;
  background-image: repeating-linear-gradient(90deg, var(--gold) 0, var(--gold) 6px, transparent 6px, transparent 14px);
  opacity: 0.3;
  z-index: 0;
}
@media (min-width: 992px) { .process-connector { display: block; } }
 
/* PROCESS CARD */
.process-card {
  background: var(--white);
  border-radius: 20px;
  padding: 2rem 1.5rem 1.75rem;
  border: 1.5px solid rgba(10,22,40,0.07);
  box-shadow: 0 4px 20px rgba(10,22,40,0.06);
  height: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
  transition: var(--transition);
  z-index: 1;
}
.process-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 50px rgba(10,22,40,0.13);
  border-color: rgba(201,168,76,0.35);
}
 
/* Featured / centre step */
.process-card--featured {
  background: var(--navy);
  border-color: var(--gold);
  box-shadow: 0 12px 40px rgba(10,22,40,0.25), 0 0 0 1px rgba(201,168,76,0.3);
}
.process-card--featured:hover {
  box-shadow: 0 24px 60px rgba(10,22,40,0.3), 0 0 0 2px rgba(201,168,76,0.5);
}
.process-card--featured h4  { color: var(--white); }
.process-card--featured p   { color: rgba(255,255,255,0.6); }
.process-card--featured .process-list li { color: rgba(255,255,255,0.55); }
.process-card--featured .process-list li::before { color: var(--gold-light); }
.process-card--featured .process-duration { background: rgba(201,168,76,0.15); color: var(--gold-light); border-color: rgba(201,168,76,0.25); }
.process-card--featured .process-step-num { color: rgba(255,255,255,0.07); }
 
/* Step number watermark */
.process-step-num {
  font-family: var(--font-heading);
  font-size: 4.5rem;
  font-weight: 700;
  color: rgba(10,22,40,0.05);
  line-height: 1;
  position: absolute;
  top: 10px; right: 14px;
  letter-spacing: -0.04em;
  user-select: none;
  pointer-events: none;
}
 
/* Icon ring */
.process-icon-ring {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
  box-shadow: 0 8px 24px rgba(10,22,40,0.18);
  transition: var(--transition);
  position: relative;
}
.process-icon-ring::before {
  content: '';
  position: absolute; inset: -4px;
  border-radius: 50%;
  border: 2px dashed rgba(201,168,76,0.25);
  animation: spin 18s linear infinite;
}
.process-card--featured .process-icon-ring {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  box-shadow: 0 8px 28px rgba(201,168,76,0.4);
}
.process-card--featured .process-icon-ring::before { border-color: rgba(255,255,255,0.2); }
.process-card:hover .process-icon-ring { transform: scale(1.1); }
 
/* Text */
.process-card h4 {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.process-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.75;
  flex: 1;
  margin-bottom: 1.25rem;
}
 
/* Bullet list */
.process-list {
  list-style: none;
  width: 100%;
  text-align: left;
  margin-bottom: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}
.process-list li {
  font-size: 0.8rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.process-list li::before {
  content: '✦';
  color: var(--gold);
  font-size: 0.55rem;
  flex-shrink: 0;
}
 
/* Duration badge */
.process-duration {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--off-white);
  border: 1px solid rgba(10,22,40,0.08);
  border-radius: 50px;
  padding: 0.35rem 1rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-top: auto;
}
.process-duration i { color: var(--gold); font-size: 0.7rem; }
 
/* GUARANTEE STRIP */
.process-guarantee {
  background: var(--navy);
  border-radius: 20px;
  margin-top: 4rem;
  overflow: hidden;
  border: 1px solid rgba(201,168,76,0.12);
}
.guarantee-item {
  padding: 2rem 1.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.6rem;
  border-right: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
}
.guarantee-item:last-child { border-right: none; }
.guarantee-item:hover { background: rgba(201,168,76,0.06); }
.gi-icon { font-size: 1.8rem; }
.gi-text {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
}
 
/* Spinning dashed ring */
@keyframes spin { to { transform: rotate(360deg); } }