/********** Template CSS — Modernized **********/
:root {
  --primary: #00319c;
  --primary-dark: #001a5e;
  --secondary: #fdf900;
  --light: #f4f7ff;
  --dark: #1a1a2e;
  --text-body: #4a5568;
  --card-shadow: 0 4px 24px rgba(0,49,156,0.10);
  --card-shadow-hover: 0 16px 48px rgba(0,49,156,0.20);
  --radius: 14px;
  --transition: all 0.35s cubic-bezier(0.4,0,0.2,1);
}

html * {
  font-family: "Inter", "Poppins", "Segoe UI", sans-serif !important;
}

body {
  color: var(--text-body);
  line-height: 1.7;
}

::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: #f1f1f1; }
::-webkit-scrollbar-thumb { background: var(--primary); border-radius: 3px; }

[class^="flaticon-"]:before,
[class*=" flaticon-"]:before,
[class^="flaticon-"]:after,
[class*=" flaticon-"]:after {
  font-size: inherit;
  margin-left: 0;
}

.btn {
  font-family: "Inter", sans-serif !important;
  font-weight: 600;
  letter-spacing: 0.4px;
  transition: var(--transition);
  border-radius: 8px;
}

.btn-primary {
  background: var(--primary);
  border-color: var(--primary);
  color: var(--secondary);
}

.btn-primary:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  color: var(--secondary);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0,49,156,0.3);
}

.btn-square {
  width: 36px;
  height: 36px;
}

.btn-sm-square {
  width: 28px;
  height: 28px;
}

.btn-lg-square {
  width: 46px;
  height: 46px;
}

.btn-square,
.btn-sm-square,
.btn-lg-square {
  padding-left: 0;
  padding-right: 0;
  text-align: center;
}

.back-to-top {
  position: fixed;
  display: none;
  right: 30px;
  bottom: 30px;
  width: 46px;
  height: 46px;
  border-radius: 50% !important;
  z-index: 99;
  font-size: 1rem;
  box-shadow: 0 4px 16px rgba(0,49,156,0.3);
  transition: var(--transition);
}

.back-to-top:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(0,49,156,0.4);
}

.navbar-light .navbar-nav .nav-link {
  font-family: "Inter", sans-serif !important;
  position: relative;
  margin-left: 30px;
  padding: 20px 0;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  color: var(--dark);
  outline: none;
  transition: var(--transition);
}

.sticky-top.navbar-light .navbar-nav .nav-link {
  padding: 10px 0;
}

.navbar-light .navbar-nav .nav-link:hover,
.navbar-light .navbar-nav .nav-link.active {
  color: var(--primary);
}

@media (min-width: 992px) {
  .navbar-light .navbar-nav .nav-link::before {
    position: absolute;
    content: "";
    width: 0;
    height: 3px;
    top: 0;
    left: 50%;
    background: var(--primary);
    border-radius: 0 0 3px 3px;
    transition: var(--transition);
  }

  .navbar-light .navbar-nav .nav-link:hover::before,
  .navbar-light .navbar-nav .nav-link.active::before {
    width: 100%;
    left: 0;
  }

  .navbar-light .navbar-nav .nav-link.nav-contact::before {
    width: 100%;
    height: 1px;
    top: -1px;
    left: 0;
  }
}

@media (max-width: 991.98px) {
  .navbar-light .navbar-nav .nav-link {
    margin-left: 0;
    padding: 10px 0;
  }
}

.hero-header {
  background: url(../back.jpg) top right no-repeat;
  background-size: cover;
}
/* create a header with sliding background image */
.hero-header {
  background: url(../back.jpg) top right no-repeat;
  background-size: cover;
  height: 100vh;
  position: relative;
}

.btn-play {
  position: relative;
  display: block;
  box-sizing: content-box;
  width: 16px;
  height: 26px;
  border-radius: 100%;
  border: none;
  outline: none !important;
  padding: 18px 20px 20px 28px;
  background: #ffffff;
}

.btn-play:before {
  content: "";
  position: absolute;
  z-index: 0;
  left: 50%;
  top: 50%;
  transform: translateX(-50%) translateY(-50%);
  display: block;
  width: 60px;
  height: 60px;
  background: #ffffff;
  border-radius: 100%;
  animation: pulse-border 1500ms ease-out infinite;
}

.btn-play:after {
  content: "";
  position: absolute;
  z-index: 1;
  left: 50%;
  top: 50%;
  transform: translateX(-50%) translateY(-50%);
  display: block;
  width: 60px;
  height: 60px;
  background: #ffffff;
  border-radius: 100%;
  transition: all 200ms;
}

.btn-play span {
  display: block;
  position: relative;
  z-index: 3;
  width: 0;
  height: 0;
  left: -1px;
  border-left: 16px solid var(--primary);
  border-top: 11px solid transparent;
  border-bottom: 11px solid transparent;
}

@keyframes pulse-border {
  0% {
    transform: translateX(-50%) translateY(-50%) translateZ(0) scale(1);
    opacity: 1;
  }

  100% {
    transform: translateX(-50%) translateY(-50%) translateZ(0) scale(2);
    opacity: 0;
  }
}

#videoModal .modal-dialog {
  position: relative;
  max-width: 800px;
  margin: 60px auto 0 auto;
}

#videoModal .modal-body {
  position: relative;
  padding: 0px;
}

#videoModal .close {
  position: absolute;
  width: 30px;
  height: 30px;
  right: 0px;
  top: -30px;
  z-index: 999;
  font-size: 30px;
  font-weight: normal;
  color: #ffffff;
  background: #000000;
  opacity: 1;
}

.service-item a i {
  position: relative;
  padding-left: 20px;
  transition: 0.3s;
}

.service-item a:hover i {
  padding-left: 50px;
}

.service-item a i::after {
  position: absolute;
  content: "";
  width: 20px;
  height: 2px;
  top: 50%;
  left: 10px;
  margin-top: -1px;
  background: var(--primary);
  transition: 0.3s;
}

.service-item a:hover i::after {
  width: 50px;
}

.product-item {
  padding: 30px;
}

.product-item .btn-action {
  position: absolute;
  width: 100%;
  bottom: -40px;
  left: 0;
  opacity: 0;
  transition: 0.5s;
}

.product-item:hover .btn-action {
  bottom: -20px;
  opacity: 1;
}

.product-carousel .owl-nav {
  width: 100%;
  text-align: center;
  display: flex;
  justify-content: center;
}

.product-carousel .owl-nav .owl-prev,
.product-carousel .owl-nav .owl-next {
  position: relative;
  margin: 0 5px;
  width: 55px;
  height: 45px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  background: var(--primary);
  font-size: 22px;
  transition: 0.5s;
}

.product-carousel .owl-nav .owl-prev:hover,
.product-carousel .owl-nav .owl-next:hover {
  color: var(--dark);
}

.bg-offer {
  background: url(../about2.jpg) top right no-repeat;
  background-size: cover;
}

.price-carousel::after {
  position: absolute;
  content: "";
  width: 100%;
  height: 50%;
  bottom: 0;
  left: 0;
  background: var(--primary);
  border-radius: 8px 8px 50% 50%;
  z-index: -1;
}

.price-carousel .owl-nav {
  margin-top: 35px;
  width: 100%;
  text-align: center;
  display: flex;
  justify-content: center;
}

.price-carousel .owl-nav .owl-prev,
.price-carousel .owl-nav .owl-next {
  position: relative;
  margin: 0 5px;
  width: 45px;
  height: 45px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  background: #ffffff;
  font-size: 22px;
  border-radius: 45px;
  transition: 0.5s;
}

.price-carousel .owl-nav .owl-prev:hover,
.price-carousel .owl-nav .owl-next:hover {
  color: var(--dark);
}

.team-carousel .owl-nav {
  position: absolute;
  width: 50px;
  height: 160px;
  top: calc(50% - 80px);
  right: 0;
  z-index: 1;
}

.team-carousel .owl-nav .owl-prev,
.team-carousel .owl-nav .owl-next {
  position: relative;
  width: 50px;
  height: 50px;
  margin: 15px 0;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  background: var(--primary);
  font-size: 22px;
  transition: 0.5s;
}

.team-carousel .owl-nav .owl-prev:hover,
.team-carousel .owl-nav .owl-next:hover {
  color: var(--dark);
}

.team-item img {
  transition: 0.5s;
}

.team-item:hover img {
  transform: scale(1.2);
}

.team-item .team-overlay {
  position: absolute;
  top: 45px;
  right: 45px;
  bottom: 45px;
  left: 45px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(0, 49, 156, 0.88);
  transition: 0.5s;
  opacity: 0;
}

.team-item:hover .team-overlay {
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
  opacity: 1;
}

.bg-testimonial {
  background: url(../experience.png) top left no-repeat;
  background-size: cover;
}

.testimonial-carousel .owl-nav {
  position: absolute;
  width: 100%;
  height: 46px;
  top: calc(50% - 23px);
  left: 0;
  display: flex;
  justify-content: space-between;
  z-index: 1;
}

.testimonial-carousel .owl-nav .owl-prev,
.testimonial-carousel .owl-nav .owl-next {
  position: relative;
  width: 46px;
  height: 46px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  background: var(--primary);
  font-size: 22px;
  transition: 0.5s;
}

.testimonial-carousel .owl-nav .owl-prev:hover,
.testimonial-carousel .owl-nav .owl-next:hover {
  color: var(--dark);
}

.testimonial-carousel .owl-item img {
  width: 100px;
  height: 100px;
}

@media (min-width: 576px) {
  .blog-item .row {
    height: 300px;
  }
}

.blog-item a i {
  position: relative;
  padding-left: 20px;
  transition: 0.3s;
}

.blog-item a:hover i {
  padding-left: 50px;
}

.blog-item a i::after {
  position: absolute;
  content: "";
  width: 20px;
  height: 2px;
  top: 50%;
  left: 10px;
  margin-top: -1px;
  background: var(--primary);
  transition: 0.3s;
}

.blog-item a:hover i::after {
  width: 50px;
}

/* =====================================================
   MODERN DESIGN SYSTEM — Added Styles
   ===================================================== */

/* ── Page Hero (inner pages) ── */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 60%, #0a0a3a 100%);
  padding: 80px 0 60px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 400px; height: 400px;
  background: rgba(253,249,0,0.06);
  border-radius: 50%;
  pointer-events: none;
}
.page-hero h1 {
  color: #fff;
  font-weight: 800;
  font-size: 2.6rem;
  margin-bottom: 12px;
}
.page-hero .breadcrumb {
  margin: 0;
  background: none;
  padding: 0;
}
.page-hero .breadcrumb-item a {
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: var(--transition);
}
.page-hero .breadcrumb-item a:hover { color: var(--secondary); }
.page-hero .breadcrumb-item.active,
.page-hero .breadcrumb-item + .breadcrumb-item::before {
  color: var(--secondary);
}
.page-hero .page-hero-subtitle {
  color: rgba(255,255,255,0.7);
  font-size: 1rem;
  margin-top: 8px;
}

/* ── Section Title ── */
.section-title { margin-bottom: 50px; }
.section-title .badge-label,
.badge-label {
  display: inline-block;
  background: rgba(0,49,156,0.08);
  color: var(--primary);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 50px;
  margin-bottom: 14px;
  border: 1px solid rgba(0,49,156,0.15);
}
.section-title h2 {
  font-size: 2rem;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 14px;
}
.section-title p {
  color: var(--text-body);
  font-size: 0.97rem;
  max-width: 540px;
}

/* ── Stats Section ── */
.stats-section {
  background: linear-gradient(135deg, #001a5e 0%, #00319c 60%, #0a52cc 100%);
  padding: 72px 0;
  position: relative;
  overflow: hidden;
}
.stats-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.stat-card {
  text-align: center;
  padding: 32px 20px;
  border-radius: 16px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(4px);
  transition: transform 0.3s ease, background 0.3s ease;
}
.stat-card:hover {
  transform: translateY(-6px);
  background: rgba(255,255,255,0.13);
}
.stat-icon {
  font-size: 1.8rem;
  color: var(--secondary);
  margin-bottom: 14px;
  line-height: 1;
}
.stat-number {
  font-size: 2.8rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
  margin-bottom: 8px;
  font-family: 'Poppins', sans-serif;
}
.stat-label {
  color: rgba(255,255,255,0.65);
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1.8px;
}

/* ── Service Cards (modern) ── */
.service-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 36px 28px;
  box-shadow: var(--card-shadow);
  transition: var(--transition);
  border: 1px solid rgba(0,49,156,0.06);
  height: 100%;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--secondary));
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--card-shadow-hover);
}
.service-card:hover::before { transform: scaleX(1); }
.service-card .icon-wrap {
  width: 64px; height: 64px;
  background: var(--light);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.9rem;
  color: var(--primary);
  margin-bottom: 22px;
  transition: var(--transition);
}
.service-card:hover .icon-wrap {
  background: var(--primary);
  color: var(--secondary);
}
.service-card h4 {
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 12px;
  font-size: 1.1rem;
}
.service-card p {
  color: var(--text-body);
  font-size: 0.93rem;
  margin-bottom: 20px;
  line-height: 1.7;
}
.service-card .card-link {
  color: var(--primary);
  font-weight: 600;
  font-size: 0.88rem;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.service-card .card-link:hover { gap: 14px; }

/* ── Info Cards (loans, savings, funeral) ── */
.info-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--card-shadow);
  transition: var(--transition);
  border-left: 4px solid var(--primary);
  height: 100%;
}
.info-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--card-shadow-hover);
  border-left-color: var(--secondary);
}
.info-card .icon-wrap {
  width: 52px; height: 52px;
  background: var(--light);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  color: var(--primary);
  margin-bottom: 18px;
}
.info-card h4 {
  font-weight: 700;
  color: var(--dark);
  font-size: 1.05rem;
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.info-card p {
  color: var(--text-body);
  font-size: 0.9rem;
  line-height: 1.75;
  margin-bottom: 16px;
}
.info-card .tag {
  display: inline-block;
  background: var(--light);
  color: var(--primary);
  font-size: 0.76rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 20px;
  margin-right: 5px;
  margin-bottom: 5px;
}

/* ── Offer / CTA Section ── */
.offer-section {
  background: linear-gradient(135deg, #0a0a2a 0%, var(--primary-dark) 50%, var(--primary) 100%);
  padding: 90px 0;
  position: relative;
  overflow: hidden;
}
.offer-section::before {
  content: '';
  position: absolute;
  right: -100px; top: -120px;
  width: 520px; height: 520px;
  background: rgba(253,249,0,0.05);
  border-radius: 50%;
  pointer-events: none;
}

/* ── Modern Contact Form ── */
.form-modern .form-control,
.form-modern textarea.form-control {
  border: 2px solid #e2e8f4;
  border-radius: 10px;
  padding: 14px 18px;
  font-size: 0.93rem;
  transition: var(--transition);
  background: #f8fbff;
  color: var(--dark);
  height: auto;
}
.form-modern .form-control:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(0,49,156,0.08);
  background: #fff;
}
.form-modern .form-control::placeholder { color: #a0aec0; }
.form-modern label {
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--dark);
  margin-bottom: 6px;
  letter-spacing: 0.3px;
}

/* ── Contact Info Cards ── */
.contact-info-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--card-shadow);
  display: flex;
  align-items: flex-start;
  gap: 18px;
  transition: var(--transition);
  margin-bottom: 16px;
}
.contact-info-card:hover { transform: translateX(6px); }
.contact-info-card .ci-icon {
  width: 48px; height: 48px; min-width: 48px;
  background: var(--light);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  color: var(--primary);
}
.contact-info-card h6 {
  font-weight: 700;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--primary);
  margin-bottom: 4px;
}
.contact-info-card p { margin: 0; color: var(--text-body); font-size: 0.92rem; }

/* ── About Stats ── */
.about-stats .stat-box {
  background: #fff;
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
  box-shadow: var(--card-shadow);
  border-bottom: 4px solid var(--primary);
}
.about-stats .stat-box .num {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 6px;
}
.about-stats .stat-box .lbl {
  color: var(--text-body);
  font-size: 0.82rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
}

/* ── Testimonials (modern cards) ── */
.testimonial-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--card-shadow);
  position: relative;
  height: 100%;
}
.testimonial-card .quote {
  font-size: 4rem;
  line-height: 0.6;
  color: var(--secondary);
  font-weight: 800;
  margin-bottom: 14px;
  display: block;
}
.testimonial-card p {
  color: var(--text-body);
  font-size: 0.93rem;
  line-height: 1.8;
  font-style: italic;
  margin-bottom: 20px;
}
.testimonial-card .author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-card .author img {
  width: 48px; height: 48px;
  min-width: 48px;
  flex-shrink: 0;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--light);
}
.testimonial-card .author-name {
  font-weight: 700;
  color: var(--dark);
  font-size: 0.88rem;
}
.testimonial-card .author-role {
  color: var(--primary);
  font-size: 0.78rem;
}

/* ── Joining requirements list ── */
.req-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid #eef2f8;
  color: var(--dark);
  font-weight: 500;
}
.req-list li:last-child { border-bottom: none; }
.req-list li i {
  font-size: 1.1rem;
  color: var(--primary);
  min-width: 20px;
}

/* ── Animations ── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}
.animate-up {
  animation: fadeInUp 0.65s ease forwards;
}
.delay-1 { animation-delay: 0.1s; opacity: 0; animation: fadeInUp 0.65s 0.1s ease forwards; }
.delay-2 { animation-delay: 0.2s; opacity: 0; animation: fadeInUp 0.65s 0.2s ease forwards; }
.delay-3 { animation-delay: 0.3s; opacity: 0; animation: fadeInUp 0.65s 0.3s ease forwards; }
.delay-4 { animation-delay: 0.4s; opacity: 0; animation: fadeInUp 0.65s 0.4s ease forwards; }

/* ── Misc overrides ── */
.border-primary { border-color: var(--primary) !important; }
.text-primary    { color: var(--primary) !important; }
.bg-primary      { background-color: var(--primary) !important; }
.text-secondary  { color: var(--secondary) !important; }
.bg-light-blue   { background: var(--light); }

@media (max-width: 767px) {
  .page-hero h1 { font-size: 1.9rem; }
  .section-title h2 { font-size: 1.6rem; }
  .stat-number { font-size: 2rem; }
}