/* ============================================================
   Money Goals Way — moneygoalsway.com
   Financial Services • Colorful Modern Theme
   ============================================================ */
:root{
  --navy:#0b1b3d;
  --navy-2:#13295c;
  --gold:#f5b301;
  --gold-light:#ffcf4d;
  --teal:#00b8a9;
  --teal-dark:#009688;
  --coral:#ff6b6b;
  --purple:#6c5ce7;
  --pink:#fd79a8;
  --green:#00c853;
  --ink:#1a2340;
  --muted:#5b6480;
  --light:#f6f7fb;
  --card-shadow:0 18px 45px rgba(11,27,61,.12);
  --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Segoe UI',system-ui,-apple-system,Roboto,'Helvetica Neue',Arial,sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.7;
  overflow-x:hidden;
}
h1,h2,h3,h4,h5{font-weight:800;line-height:1.25;color:var(--navy)}
a{text-decoration:none}
img{max-width:100%}
.section{padding:80px 0}
.section-sm{padding:56px 0}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.8rem;font-weight:800;letter-spacing:2px;text-transform:uppercase;
  padding:8px 16px;border-radius:100px;margin-bottom:14px;
}
.eyebrow.gold{background:#fff3cf;color:#8a5d00;border:1px solid #ffe08a}
.eyebrow.teal{background:#dcfbf7;color:#00695f;border:1px solid #8ef0e4}
.eyebrow.purple{background:#ece8ff;color:#4a3fc1;border:1px solid #c9c1ff}
.eyebrow.coral{background:#ffe3e3;color:#b4232a;border:1px solid #ffb3b3}
.section-title{font-size:clamp(1.7rem,3.4vw,2.6rem);margin-bottom:12px}
.section-sub{color:var(--muted);max-width:640px;margin:0 auto}
.btn{font-weight:800;border-radius:100px;padding:12px 28px;border:none;transition:.25s}
.btn-gold{background:linear-gradient(135deg,var(--gold),#ff8a00);color:#0b1b3d;box-shadow:0 10px 25px rgba(245,179,1,.4)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(245,179,1,.5);color:#0b1b3d}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2);color:#fff;transform:translateY(-2px)}
.btn-teal{background:linear-gradient(135deg,#00d4c0,var(--teal-dark));color:#fff;box-shadow:0 10px 25px rgba(0,184,169,.35)}
.btn-teal:hover{color:#fff;transform:translateY(-2px)}
.btn-outline-light{border:2px solid rgba(255,255,255,.6);color:#fff}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{transform:translateY(-2px);color:var(--navy)}

/* ---------- Topbar ---------- */
.topbar{background:var(--navy);color:#dbe2ff;font-size:.85rem;padding:9px 0}
.topbar a{color:#fff}
.topbar .dot{opacity:.4;margin:0 10px}

/* ---------- Navbar ---------- */
.navbar-custom{background:#fff;box-shadow:0 6px 24px rgba(11,27,61,.08);padding:12px 0;position:sticky;top:0;z-index:1030}
.brand{display:flex;align-items:center;gap:12px}
.brand-mark{width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,#0b1b3d,#26418f 55%,#00b8a9);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:900;font-size:1.5rem;box-shadow:0 8px 18px rgba(11,27,61,.25)}
.brand-name{line-height:1.05}
.brand-name strong{display:block;color:var(--navy);font-size:1.15rem;letter-spacing:.2px}
.brand-name span{display:block;font-size:.75rem;font-weight:700;letter-spacing:1.6px;text-transform:uppercase;color:var(--teal-dark)}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}
.nav-links a.nav-link{color:var(--navy);font-weight:700;padding:10px 14px;border-radius:10px;font-size:.95rem}
.nav-links a.nav-link:hover,.nav-links a.nav-link.active{background:#f1f3ff;color:#3340c5}
.btn-subscribe{background:linear-gradient(135deg,var(--purple),#a06bff);color:#fff;padding:10px 22px;font-size:.9rem}
.btn-subscribe:hover{color:#fff;transform:translateY(-2px)}
.hamburger{display:none;border:none;background:var(--navy);color:#fff;width:46px;height:46px;border-radius:12px;font-size:1.3rem}

/* ---------- Hero ---------- */
.hero{
  background:
    radial-gradient(900px 400px at 85% 10%,rgba(245,179,1,.25),transparent 60%),
    radial-gradient(700px 380px at 8% 90%,rgba(0,184,169,.28),transparent 60%),
    linear-gradient(135deg,#0b1b3d 0%,#1a2f6b 55%,#0e4d64 100%);
  color:#fff;padding:84px 0 90px;position:relative;overflow:hidden;
}
.hero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.4rem)}
.hero h1 .hl{background:linear-gradient(90deg,#ffd34d,#ff9d2e);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{color:#cdd6f5;font-size:1.12rem}
.hero-badges{display:flex;gap:10px;flex-wrap:wrap;margin:20px 0}
.hero-badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(6px);padding:8px 14px;border-radius:100px;font-size:.85rem;font-weight:700}
.hero-card{
  background:#fff;color:var(--ink);border-radius:22px;padding:26px;
  box-shadow:0 30px 70px rgba(0,0,0,.35);
}
.hero-card .mini{background:var(--light);border-radius:14px;padding:14px 16px;display:flex;gap:12px;align-items:center;margin-top:12px}
.hero-float{position:absolute;border-radius:20px;padding:12px 18px;font-weight:800;box-shadow:0 16px 40px rgba(0,0,0,.3)}
.float-1{top:26px;right:4%;background:#ffe08a;color:#5c3d00;transform:rotate(4deg)}
.float-2{bottom:30px;left:3%;background:#c8fff6;color:#005a52;transform:rotate(-3deg)}
.hero-stats{display:flex;gap:26px;margin-top:26px;flex-wrap:wrap}
.hero-stats strong{display:block;font-size:1.5rem;color:#ffd34d}
.hero-stats span{color:#cdd6f5;font-size:.88rem}

/* ---------- Trust strip ---------- */
.trust-strip{background:linear-gradient(90deg,#fff7dd,#e6fffb 50%,#efe9ff);border-bottom:1px solid #eee;padding:22px 0}
.trust-items{display:flex;gap:28px;justify-content:center;flex-wrap:wrap;font-weight:800;color:var(--navy)}
.trust-items span{display:inline-flex;align-items:center;gap:8px}

/* ---------- Stats ---------- */
.stats-band{background:var(--navy);color:#fff;border-radius:26px;padding:40px;margin-top:-46px;position:relative;z-index:5;box-shadow:var(--card-shadow)}
.stat{text-align:center;padding:10px}
.stat strong{display:block;font-size:2.1rem;background:linear-gradient(90deg,#ffd34d,#ff8a5c);-webkit-background-clip:text;background-clip:text;color:transparent}
.stat span{color:#c6cef0;font-weight:600}

/* ---------- Service cards ---------- */
.service-card{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--card-shadow);height:100%;display:flex;flex-direction:column;transition:.3s;border-top:6px solid var(--gold)}
.service-card:hover{transform:translateY(-8px)}
.service-card .img-wrap{height:190px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}
.service-card .body{padding:24px;display:flex;flex-direction:column;flex:1}
.service-card h3{font-size:1.2rem;margin:6px 0 8px}
.service-card p{color:var(--muted);font-size:.95rem;flex:1}
.service-tag{font-size:.72rem;font-weight:800;letter-spacing:1.4px;text-transform:uppercase}
.c-gold{border-top-color:var(--gold)} .c-teal{border-top-color:var(--teal)} .c-coral{border-top-color:var(--coral)}
.c-purple{border-top-color:var(--purple)} .c-green{border-top-color:var(--green)} .c-pink{border-top-color:var(--pink)}
.bg-gold-soft{background:linear-gradient(135deg,#fff6d9,#ffe9a8)}
.bg-teal-soft{background:linear-gradient(135deg,#dcfaf6,#b8f3ea)}
.bg-coral-soft{background:linear-gradient(135deg,#ffe9e9,#ffd1d1)}
.bg-purple-soft{background:linear-gradient(135deg,#ece8ff,#d7cfff)}
.bg-green-soft{background:linear-gradient(135deg,#ddf9e7,#bdf0cd)}
.bg-pink-soft{background:linear-gradient(135deg,#ffe6f1,#ffcfe2)}

/* ---------- Why choose ---------- */
.why{background:linear-gradient(180deg,#f6f7fb,#fff)}
.feature{background:#fff;border-radius:var(--radius);padding:26px;box-shadow:var(--card-shadow);height:100%;border-left:6px solid var(--teal)}
.feature .icon{width:54px;height:54px;border-radius:16px;display:flex;align-items:center;justify-content:center;font-size:1.5rem;color:#fff;margin-bottom:14px}
.feature h4{font-size:1.05rem}

/* ---------- Steps ---------- */
.steps{background:linear-gradient(135deg,#13295c,#1f3fa0 50%,#0e7d72);color:#fff;border-radius:28px;padding:56px 40px;position:relative;overflow:hidden}
.steps h2{color:#fff}
.step{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:18px;padding:24px;height:100%;backdrop-filter:blur(6px)}
.step .num{width:46px;height:46px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;background:linear-gradient(135deg,var(--gold),#ff8a00);color:#0b1b3d;font-size:1.15rem;margin-bottom:12px}
.step h4{color:#fff}

/* ---------- Testimonials ---------- */
.testimonials{background:linear-gradient(180deg,#fff8e7,#fff)}
.t-card{background:#fff;border-radius:var(--radius);padding:28px;box-shadow:var(--card-shadow);height:100%;position:relative;border-bottom:6px solid var(--purple)}
.t-card .stars{color:#f5a301;font-size:1.05rem;letter-spacing:2px}
.t-card p{color:#3c4463;font-style:italic}
.t-card .who{display:flex;align-items:center;gap:12px;margin-top:16px}
.avatar{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;color:#fff;font-size:1.2rem;flex-shrink:0}
.t-name{font-weight:900;color:var(--navy)}
.t-loc{font-size:.82rem;color:var(--muted)}

/* ---------- Blog cards ---------- */
.blog-card{background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--card-shadow);height:100%;display:flex;flex-direction:column;transition:.3s}
.blog-card:hover{transform:translateY(-8px)}
.blog-card .img-wrap{height:200px;display:flex;align-items:center;justify-content:center}
.blog-card .body{padding:24px;display:flex;flex-direction:column;flex:1}
.blog-card h3{font-size:1.12rem}
.blog-card p{color:var(--muted);font-size:.93rem;flex:1}

/* ---------- CTA ---------- */
.cta{background:linear-gradient(135deg,#ff9d2e,#ff6b6b 55%,#6c5ce7);border-radius:28px;padding:56px 40px;color:#fff;text-align:center;box-shadow:var(--card-shadow);position:relative;overflow:hidden}
.cta h2{color:#fff}
.cta p{color:#ffeef0;max-width:620px;margin:0 auto}

/* ---------- Newsletter band ---------- */
.newsletter{background:var(--navy);border-radius:28px;padding:48px 36px;color:#fff}
.newsletter h3{color:#fff}
.form-control,.form-select{border-radius:12px;padding:12px 16px;border:2px solid #e3e7f2}
.form-control:focus,.form-select:focus{border-color:var(--teal);box-shadow:0 0 0 4px rgba(0,184,169,.15)}
label.form-label{font-weight:700;color:var(--navy)}
.newsletter label{color:#ffd34d}

/* ---------- Page hero ---------- */
.page-hero{padding:70px 0;color:#fff;position:relative;overflow:hidden}
.page-hero h1{color:#fff}
.page-hero p{color:rgba(255,255,255,.85)}
.ph-about{background:linear-gradient(135deg,#0b1b3d,#6c5ce7)}
.ph-services{background:linear-gradient(135deg,#0b4d46,#00b8a9)}
.ph-blog{background:linear-gradient(135deg,#5c1a3d,#fd79a8)}
.ph-contact{background:linear-gradient(135deg,#0b1b3d,#ff8a00)}
.ph-legal{background:linear-gradient(135deg,#232a4d,#4a5a8a)}
.ph-sub{background:linear-gradient(135deg,#3d0b3d,#6c5ce7)}
.breadcrumb-custom{background:rgba(255,255,255,.15);display:inline-flex;gap:8px;padding:8px 18px;border-radius:100px;font-size:.88rem;font-weight:700}
.breadcrumb-custom a{color:#ffe08a}

/* ---------- Service detail rows ---------- */
.detail-row{background:#fff;border-radius:22px;box-shadow:var(--card-shadow);overflow:hidden}
.detail-row .img-side{min-height:280px;display:flex;align-items:center;justify-content:center;padding:40px}
.detail-row .txt-side{padding:40px}
.check-list{list-style:none;padding:0;margin:16px 0}
.check-list li{padding:8px 0 8px 34px;position:relative;color:#3c4463;font-weight:600}
.check-list li::before{content:"✔";position:absolute;left:0;top:8px;width:24px;height:24px;border-radius:50%;background:#ddf9e7;color:#0a7a3d;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:900}

/* ---------- Article ---------- */
.article{background:#fff;border-radius:22px;box-shadow:var(--card-shadow);overflow:hidden}
.article-hero{height:280px;display:flex;align-items:center;justify-content:center}
.article-body{padding:44px}
.article-body p{color:#333b58;font-size:1.03rem;margin-bottom:1.3rem}
.article-body h2{margin-top:2rem;font-size:1.45rem}
.dropcap::first-letter{font-size:3.2rem;font-weight:900;color:var(--coral);float:left;line-height:1;margin-right:10px}
.callout{background:#f1f3ff;border-left:6px solid var(--purple);border-radius:0 14px 14px 0;padding:18px 22px;margin:26px 0;font-weight:600}
.toc{background:var(--light);border-radius:14px;padding:22px;margin:24px 0}
.back-link{display:inline-flex;align-items:center;gap:8px;font-weight:800;color:var(--teal-dark)}

/* ---------- Contact ---------- */
.info-card{border-radius:var(--radius);padding:28px;color:#fff;height:100%;box-shadow:var(--card-shadow)}
.info-card h4{color:#fff}
.info-card a{color:#fff;font-weight:700}
.contact-form-card{background:#fff;border-radius:22px;box-shadow:var(--card-shadow);padding:38px}
.map-wrap{border-radius:22px;overflow:hidden;box-shadow:var(--card-shadow);background:#eef}
.map-wrap iframe{width:100%;height:380px;border:0;display:block}

/* ---------- Legal ---------- */
.legal-card{background:#fff;border-radius:22px;box-shadow:var(--card-shadow);padding:44px}
.legal-card h2{font-size:1.35rem;margin-top:2rem;color:var(--navy-2)}
.legal-card p,.legal-card li{color:#3c4463}

/* ---------- Footer ---------- */
footer{background:#070f28;color:#c6cef0;padding:64px 0 0;margin-top:80px}
footer h5{color:#fff;font-size:1.02rem;margin-bottom:16px}
footer a{color:#c6cef0;display:inline-block;padding:4px 0}
footer a:hover{color:#ffd34d}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding:20px 0;font-size:.88rem}
.socials{display:flex;gap:10px;margin-top:14px}
.socials a{width:40px;height:40px;border-radius:12px;display:flex;align-items:center;justify-content:center;background:rgba(255,255,255,.1);font-weight:900;color:#fff}
.socials a:hover{background:var(--gold);color:#0b1b3d}

/* ---------- Misc ---------- */
.alert-msg{display:none;border-radius:12px;padding:14px 18px;margin-top:16px;font-weight:700}
.alert-msg.success{display:block;background:#ddf9e7;color:#0a5c2e;border:1px solid #9fe6b8}
.alert-msg.error{display:block;background:#ffe3e3;color:#a01219;border:1px solid #ffb3b3}
#backTop{position:fixed;bottom:24px;right:24px;width:50px;height:50px;border-radius:50%;border:none;background:linear-gradient(135deg,var(--gold),#ff8a00);font-size:1.3rem;font-weight:900;color:#0b1b3d;box-shadow:0 12px 30px rgba(0,0,0,.25);display:none;z-index:2000}
.divider-wave{display:block;width:100%;height:60px}
.value-pill{background:#fff;border-radius:16px;box-shadow:var(--card-shadow);padding:22px;text-align:center;height:100%}
.value-pill .big{font-size:2rem}

@media(max-width:991px){
  .nav-links{position:fixed;top:0;right:-280px;width:270px;height:100vh;background:var(--navy);flex-direction:column;align-items:stretch;padding:80px 20px 20px;gap:8px;transition:.3s;z-index:1050}
  .nav-links.open{right:0}
  .nav-links a.nav-link{color:#fff}
  .nav-links a.nav-link:hover,.nav-links a.nav-link.active{background:rgba(255,255,255,.12);color:#ffd34d}
  .hamburger{display:block}
  .nav-cta-mobile{margin-top:10px}
  .section{padding:56px 0}
  .article-body{padding:26px}
  .detail-row .txt-side{padding:26px}
  .float-1,.float-2{display:none}
}