/* =========================================================
   Finance Urban Hub — main stylesheet
   Palette: cobalt blue + sunny yellow + slate + concrete gray
   Style: urban, bento grid, skyline motif
   ========================================================= */
:root {
  --fuh-slate: #0e1726;
  --fuh-slate-2: #172338;
  --fuh-cobalt: #1f4fff;
  --fuh-cobalt-dark: #1638c9;
  --fuh-cobalt-soft: #e6ecff;
  --fuh-sun: #ffd23f;
  --fuh-sun-soft: #fff6d1;
  --fuh-sky: #7cc6ff;
  --fuh-concrete: #f2f3f5;
  --fuh-white: #ffffff;
  --fuh-text: #18202e;
  --fuh-muted: #5f6878;
  --fuh-line: #dfe3ea;
  --fuh-radius: 18px;
  --fuh-shadow: 0 24px 50px -30px rgba(14, 23, 38, .5);
  --fuh-font-head: "Urbanist", "Segoe UI", Arial, sans-serif;
  --fuh-font-body: "Work Sans", "Segoe UI", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { overflow-x: clip; }
body { font-family: var(--fuh-font-body); color: var(--fuh-text); background: var(--fuh-concrete); line-height: 1.75; }
h1, h2, h3, h4, h5 { font-family: var(--fuh-font-head); font-weight: 800; color: var(--fuh-slate); line-height: 1.15; letter-spacing: -.01em; }
a { color: var(--fuh-cobalt); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--fuh-cobalt-dark); }
::selection { background: var(--fuh-sun); color: var(--fuh-slate); }

.section { padding: 100px 0; }
.section-sm { padding: 64px 0; }
.bg-white { background: #fff !important; }
.bg-slate { background: var(--fuh-slate); color: #a9b4c6; position: relative; overflow: hidden; }
.bg-slate h2, .bg-slate h3, .bg-slate h4 { color: #fff; }

.chip { display: inline-flex; align-items: center; gap: .5rem; padding: .4rem .95rem; border-radius: 10px; background: var(--fuh-cobalt-soft); color: var(--fuh-cobalt); font-family: var(--fuh-font-head); font-weight: 700; font-size: .85rem; letter-spacing: .03em; margin-bottom: 1rem; }
.chip i { font-size: 1rem; }
.bg-slate .chip { background: rgba(255,210,63,.14); color: var(--fuh-sun); }
.heading { font-size: clamp(2rem, 3.8vw, 3rem); margin-bottom: 1rem; }
.heading .hlt { position: relative; z-index: 0; white-space: nowrap; }
.heading .hlt::after { content: ""; position: absolute; left: -4px; right: -4px; bottom: .08em; height: .38em; background: var(--fuh-sun); z-index: -1; border-radius: 4px; }
.bg-slate .heading .hlt::after { background: var(--fuh-cobalt); }
.lead-text { color: var(--fuh-muted); font-size: 1.07rem; }
.bg-slate .lead-text { color: #a9b4c6; }

/* ---------- Buttons ---------- */
.btn { border-radius: 12px; font-family: var(--fuh-font-head); font-weight: 700; padding: .85rem 1.6rem; transition: all .22s ease; font-size: 1rem; }
.btn-cobalt { background: var(--fuh-cobalt); color: #fff; border: 2px solid var(--fuh-cobalt); }
.btn-cobalt:hover, .btn-cobalt:focus { background: var(--fuh-cobalt-dark); border-color: var(--fuh-cobalt-dark); color: #fff; transform: translateY(-2px); }
.btn-sun { background: var(--fuh-sun); color: var(--fuh-slate); border: 2px solid var(--fuh-sun); }
.btn-sun:hover, .btn-sun:focus { background: #ffdd6b; border-color: #ffdd6b; color: var(--fuh-slate); transform: translateY(-2px); }
.btn-slate { background: var(--fuh-slate); color: #fff; border: 2px solid var(--fuh-slate); }
.btn-slate:hover, .btn-slate:focus { background: var(--fuh-cobalt); border-color: var(--fuh-cobalt); color: #fff; }
.btn-outline-slate { background: transparent; color: var(--fuh-slate); border: 2px solid var(--fuh-slate); }
.btn-outline-slate:hover { background: var(--fuh-slate); color: #fff; }
.btn-outline-white { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.45); }
.btn-outline-white:hover { background: #fff; color: var(--fuh-slate); border-color: #fff; }
.more-link { font-family: var(--fuh-font-head); font-weight: 800; color: var(--fuh-slate); display: inline-flex; align-items: center; gap: .45rem; }
.more-link i { width: 28px; height: 28px; border-radius: 8px; background: var(--fuh-sun); display: grid; place-items: center; font-size: .9rem; transition: transform .2s ease; }
.more-link:hover { color: var(--fuh-cobalt); }
.more-link:hover i { transform: translateX(4px); }

/* ---------- Header ---------- */
.utility-bar { background: var(--fuh-slate); color: #a9b4c6; font-size: .86rem; padding: .5rem 0; }
.utility-bar a { color: #e5ebf5; }
.utility-bar a:hover { color: var(--fuh-sun); }
.utility-bar i { color: var(--fuh-sun); margin-right: .35rem; }
.main-header { position: sticky; top: 0; z-index: 1030; background: #fff; border-bottom: 1px solid var(--fuh-line); transition: box-shadow .25s ease; }
.main-header.scrolled { box-shadow: 0 10px 30px -18px rgba(14,23,38,.45); }
.main-header .navbar { padding: .9rem 0; }
.main-header .nav-link { font-family: var(--fuh-font-head); font-weight: 700; font-size: 1rem; color: var(--fuh-slate); padding: .5rem .9rem !important; border-radius: 10px; }
.main-header .nav-link:hover { color: var(--fuh-cobalt); background: var(--fuh-cobalt-soft); }
.main-header .nav-link.active { color: var(--fuh-cobalt); box-shadow: inset 0 -3px 0 var(--fuh-sun); border-radius: 0; }
.main-header .navbar-toggler { border: 2px solid var(--fuh-line); border-radius: 10px; }
.main-header .navbar-toggler:focus { box-shadow: 0 0 0 .2rem rgba(31,79,255,.25); }

/* Logo — one line, one style */
.brand-logo { display: inline-flex; align-items: center; gap: .55rem; white-space: nowrap; font-family: var(--fuh-font-head); font-weight: 800; font-size: 1.45rem; line-height: 1; color: var(--fuh-slate) !important; letter-spacing: -.01em; }
.brand-logo .logo-mark { width: 40px; height: 40px; flex: 0 0 40px; border-radius: 12px; display: grid; place-items: center; background: var(--fuh-cobalt); color: var(--fuh-sun); font-size: 1.15rem; }
.footer .brand-logo { color: #fff !important; }

/* ---------- Skyline motif ---------- */
.skyline { position: absolute; left: 0; right: 0; bottom: 0; width: 100%; height: auto; z-index: 0; pointer-events: none; }
.skyline path { fill: currentColor; }

/* ---------- Hero (bento) ---------- */
.hero { position: relative; padding: 80px 0 120px; background: linear-gradient(180deg, #fff 0%, var(--fuh-concrete) 100%); overflow: hidden; color: var(--fuh-cobalt-soft); }
.hero .container { position: relative; z-index: 1; }
.hero h1 { font-size: clamp(2.6rem, 5.4vw, 4.4rem); margin-bottom: 1.3rem; }
.hero h1 .blue { color: var(--fuh-cobalt); }
.hero .lead { color: var(--fuh-muted); font-size: 1.15rem; max-width: 540px; }
.hero-points { list-style: none; padding: 0; margin: 2rem 0 0; display: flex; flex-wrap: wrap; gap: .7rem; }
.hero-points li { display: inline-flex; align-items: center; gap: .45rem; background: #fff; border: 1px solid var(--fuh-line); border-radius: 10px; padding: .45rem .85rem; font-weight: 600; font-size: .92rem; color: var(--fuh-text); }
.hero-points i { color: var(--fuh-cobalt); }
.bento { display: grid; grid-template-columns: 1.25fr 1fr; grid-template-rows: auto auto; gap: 14px; }
.bento .tile { border-radius: 22px; padding: 1.4rem; position: relative; overflow: hidden; }
.bento .tile-img { grid-row: span 2; padding: 0; min-height: 420px; }
.bento .tile-img .img-frame { position: absolute; inset: 0; border-radius: 22px; }
.bento .tile-img .tag { position: absolute; z-index: 2; left: 14px; bottom: 14px; right: 14px; background: rgba(255,255,255,.94); border-radius: 14px; padding: .85rem 1rem; font-family: var(--fuh-font-head); font-weight: 800; color: var(--fuh-slate); display: flex; gap: .7rem; align-items: center; }
.bento .tile-img .tag i { width: 36px; height: 36px; border-radius: 10px; background: var(--fuh-sun); display: grid; place-items: center; }
.bento .tile-blue { background: var(--fuh-cobalt); color: #dbe4ff; }
.bento .tile-sun { background: var(--fuh-sun); color: #4a3b00; }
.bento .tile h3 { font-size: 1.25rem; margin: .7rem 0 .3rem; }
.bento .tile-blue h3 { color: #fff; }
.bento .tile p { margin: 0; font-size: .93rem; }
.bento .tile .ic { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; font-size: 1.3rem; }
.bento .tile-blue .ic { background: rgba(255,255,255,.16); color: var(--fuh-sun); }
.bento .tile-sun .ic { background: rgba(14,23,38,.1); color: var(--fuh-slate); }

/* Feature strip */
.feature-strip { margin-top: -60px; position: relative; z-index: 3; }
.feature-strip .box { background: #fff; border-radius: 22px; box-shadow: var(--fuh-shadow); padding: 1.6rem; }
.strip-item { display: flex; gap: .9rem; align-items: center; }
.strip-item .ic { width: 50px; height: 50px; flex: 0 0 50px; border-radius: 14px; display: grid; place-items: center; font-size: 1.3rem; background: var(--fuh-cobalt-soft); color: var(--fuh-cobalt); }
.strip-item h3 { font-size: 1.05rem; margin: 0 0 .1rem; }
.strip-item p { margin: 0; color: var(--fuh-muted); font-size: .9rem; line-height: 1.5; }

/* ---------- Page banner ---------- */
.page-banner { position: relative; background: var(--fuh-slate); color: #a9b4c6; padding: 90px 0 120px; overflow: hidden; }
.page-banner .container { position: relative; z-index: 1; }
.page-banner .skyline { color: rgba(31,79,255,.35); }
.page-banner h1 { color: #fff; font-size: clamp(2.2rem, 4.8vw, 3.6rem); max-width: 880px; }
.page-banner p { max-width: 640px; font-size: 1.08rem; margin: 0; }
.page-banner .crumbs { display: flex; flex-wrap: wrap; gap: .5rem; align-items: center; font-family: var(--fuh-font-head); font-weight: 700; font-size: .92rem; margin-bottom: 1rem; }
.page-banner .crumbs a { color: var(--fuh-sun); }
.page-banner .crumbs i { font-size: .7rem; color: #5f6c82; }
.page-banner .crumbs span { color: #e5ebf5; }

/* ---------- Image frames ---------- */
.img-frame { position: relative; overflow: hidden; border-radius: var(--fuh-radius); background: linear-gradient(135deg, var(--fuh-sky) 0%, var(--fuh-cobalt) 50%, var(--fuh-slate) 100%); }
.img-frame::after { content: "\F42A"; font-family: "bootstrap-icons"; position: absolute; inset: 0; display: grid; place-items: center; font-size: 2.4rem; color: rgba(255,255,255,.35); }
.img-frame img { position: relative; z-index: 1; width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .6s ease; }
.img-frame img.img-missing { visibility: hidden; }

/* ---------- Service cards ---------- */
.service { background: #fff; border-radius: 22px; overflow: hidden; height: 100%; display: flex; flex-direction: column; border: 1px solid var(--fuh-line); transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease; }
.service:hover { transform: translateY(-6px); box-shadow: var(--fuh-shadow); border-color: var(--fuh-cobalt); }
.service:hover .img-frame img { transform: scale(1.06); }
.service .img-frame { aspect-ratio: 3 / 2; border-radius: 0; }
.service .body { padding: 1.6rem; display: flex; flex-direction: column; flex: 1; position: relative; }
.service .ic { position: absolute; top: -28px; right: 1.4rem; width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center; font-size: 1.4rem; background: var(--fuh-sun); color: var(--fuh-slate); border: 4px solid #fff; z-index: 2; }
.service h3 { font-size: 1.4rem; margin-bottom: .7rem; padding-right: 3.5rem; }
.service p { color: var(--fuh-muted); flex: 1; margin-bottom: 1.3rem; }
.service .btn { align-self: flex-start; padding: .7rem 1.3rem; }

/* ---------- Stepper ---------- */
.stepper-item { background: #fff; border-radius: 20px; padding: 1.8rem 1.5rem; height: 100%; border: 1px solid var(--fuh-line); position: relative; }
.stepper-item .top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 1.1rem; }
.stepper-item .ic { width: 52px; height: 52px; border-radius: 14px; background: var(--fuh-cobalt); color: #fff; display: grid; place-items: center; font-size: 1.35rem; }
.stepper-item .lbl { font-family: var(--fuh-font-head); font-weight: 800; color: var(--fuh-muted); font-size: .85rem; letter-spacing: .1em; text-transform: uppercase; }
.stepper-item h3 { font-size: 1.25rem; margin-bottom: .4rem; }
.stepper-item p { margin: 0; color: var(--fuh-muted); }
@media (min-width: 992px) {
  .stepper-col:not(:last-child) .stepper-item::after { content: "\F138"; font-family: "bootstrap-icons"; position: absolute; right: -22px; top: 50%; transform: translateY(-50%); width: 32px; height: 32px; border-radius: 50%; background: var(--fuh-sun); color: var(--fuh-slate); display: grid; place-items: center; z-index: 2; font-size: 1rem; }
}

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.about-grid .img-frame.tall { grid-row: span 2; aspect-ratio: auto; min-height: 420px; }
.about-grid .img-frame.short { aspect-ratio: 1 / 1; }
.about-grid .quote-tile { background: var(--fuh-cobalt); color: #fff; border-radius: var(--fuh-radius); padding: 1.4rem; display: flex; flex-direction: column; justify-content: flex-end; font-family: var(--fuh-font-head); font-weight: 700; font-size: 1.15rem; line-height: 1.35; }
.about-grid .quote-tile i { color: var(--fuh-sun); font-size: 2rem; margin-bottom: .5rem; }
.ticks { list-style: none; padding: 0; margin: 1.4rem 0 1.8rem; }
.ticks li { display: flex; gap: .7rem; margin-bottom: .8rem; font-weight: 600; }
.ticks i { width: 26px; height: 26px; flex: 0 0 26px; border-radius: 8px; background: var(--fuh-sun); color: var(--fuh-slate); display: grid; place-items: center; font-size: .9rem; margin-top: .1rem; }

/* ---------- Bento "why" ---------- */
.why-tile { border-radius: 22px; padding: 2rem; height: 100%; position: relative; overflow: hidden; }
.why-tile h3 { font-size: 1.35rem; margin: 1rem 0 .5rem; }
.why-tile p { margin: 0; }
.why-tile .ic { width: 54px; height: 54px; border-radius: 15px; display: grid; place-items: center; font-size: 1.45rem; }
.why-tile.dark { background: var(--fuh-slate-2); color: #a9b4c6; border: 1px solid rgba(255,255,255,.08); }
.why-tile.dark .ic { background: rgba(124,198,255,.14); color: var(--fuh-sky); }
.why-tile.blue { background: var(--fuh-cobalt); color: #dbe4ff; }
.why-tile.blue .ic { background: rgba(255,255,255,.15); color: var(--fuh-sun); }
.why-tile.sun { background: var(--fuh-sun); color: #4a3b00; }
.why-tile.sun h3 { color: var(--fuh-slate); }
.why-tile.sun .ic { background: rgba(14,23,38,.1); color: var(--fuh-slate); }
.why-tile.big { min-height: 100%; display: flex; flex-direction: column; justify-content: flex-end; }
.why-tile.big h3 { font-size: 1.9rem; }
.why-tile .bg-ic { position: absolute; right: -20px; top: -20px; font-size: 9rem; color: rgba(255,255,255,.08); line-height: 1; }

/* ---------- Testimonials (scroll-snap row) ---------- */
.review-scroller { flex-wrap: nowrap; overflow-x: auto; scroll-snap-type: x mandatory; padding-bottom: 1.2rem; scrollbar-width: thin; scrollbar-color: var(--fuh-cobalt) var(--fuh-line); }
.review-scroller > [class*="col"] { scroll-snap-align: start; }
.review-scroller::-webkit-scrollbar { height: 8px; }
.review-scroller::-webkit-scrollbar-track { background: var(--fuh-line); border-radius: 8px; }
.review-scroller::-webkit-scrollbar-thumb { background: var(--fuh-cobalt); border-radius: 8px; }
.review { background: #fff; border-radius: 22px; padding: 2rem; height: 100%; border: 1px solid var(--fuh-line); display: flex; flex-direction: column; }
.review .qi { font-size: 2.2rem; color: var(--fuh-cobalt); line-height: 1; }
.review p { flex: 1; margin: 1rem 0 1.4rem; font-size: 1.04rem; }
.review .person { display: flex; align-items: center; gap: .8rem; font-family: var(--fuh-font-head); font-weight: 800; color: var(--fuh-slate); font-size: 1.05rem; }
.review .person span { width: 44px; height: 44px; border-radius: 12px; background: var(--fuh-sun); color: var(--fuh-slate); display: grid; place-items: center; font-size: .9rem; }
.scroll-hint { display: inline-flex; align-items: center; gap: .5rem; color: var(--fuh-muted); font-weight: 600; font-size: .92rem; }

/* ---------- Blog ---------- */
.article-card { background: #fff; border-radius: 22px; overflow: hidden; height: 100%; display: flex; flex-direction: column; border: 1px solid var(--fuh-line); transition: transform .3s ease, box-shadow .3s ease; }
.article-card:hover { transform: translateY(-6px); box-shadow: var(--fuh-shadow); }
.article-card:hover .img-frame img { transform: scale(1.06); }
.article-card .img-frame { aspect-ratio: 16 / 10; border-radius: 0; }
.article-card .body { padding: 1.6rem; display: flex; flex-direction: column; flex: 1; border-top: 4px solid var(--fuh-sun); }
.article-card h3 { font-size: 1.3rem; margin-bottom: .7rem; }
.article-card h3 a { color: var(--fuh-slate); }
.article-card h3 a:hover { color: var(--fuh-cobalt); }
.article-card p { color: var(--fuh-muted); flex: 1; }

.post-cover { aspect-ratio: 16 / 8; border-radius: 24px; margin-bottom: 2.4rem; }
.post-text { background: #fff; border-radius: 24px; padding: 2.8rem; border: 1px solid var(--fuh-line); font-size: 1.08rem; }
.post-text p { margin-bottom: 1.4rem; color: #2e3646; }
.post-text h2 { font-size: 1.7rem; margin: 2.2rem 0 1rem; }
.post-text h2 .hlt { position: relative; z-index: 0; }
.post-text .tip { display: flex; gap: 1rem; align-items: flex-start; background: var(--fuh-cobalt); color: #e5ebff; border-radius: 18px; padding: 1.4rem 1.6rem; margin: 2rem 0; font-weight: 500; }
.post-text .tip i { color: var(--fuh-sun); font-size: 1.6rem; line-height: 1.1; }
.side-panel { background: #fff; border-radius: 22px; padding: 1.7rem; border: 1px solid var(--fuh-line); margin-bottom: 1.5rem; }
.side-panel h3 { font-size: 1.15rem; margin-bottom: 1rem; display: flex; align-items: center; gap: .5rem; }
.side-panel h3::before { content: ""; width: 10px; height: 22px; border-radius: 4px; background: var(--fuh-sun); }
.side-item { display: flex; gap: .9rem; align-items: center; padding: .7rem 0; border-bottom: 1px solid var(--fuh-line); }
.side-item:last-child { border-bottom: 0; }
.side-item .img-frame { width: 76px; height: 64px; flex: 0 0 76px; border-radius: 12px; }
.side-item .img-frame::after { font-size: 1.1rem; }
.side-item a { font-family: var(--fuh-font-head); font-weight: 800; color: var(--fuh-slate); line-height: 1.3; }
.side-item a:hover { color: var(--fuh-cobalt); }
.side-list { list-style: none; padding: 0; margin: 0; }
.side-list a { display: flex; justify-content: space-between; align-items: center; padding: .6rem .8rem; border-radius: 10px; color: var(--fuh-text); font-weight: 600; }
.side-list a:hover { background: var(--fuh-cobalt-soft); color: var(--fuh-cobalt); }
.side-panel.blue { background: var(--fuh-cobalt); border: 0; color: #dbe4ff; }
.side-panel.blue h3 { color: #fff; }
.post-pager { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 1rem; margin-top: 2rem; }

/* ---------- FAQ ---------- */
.faq-urban .accordion-item { border: 1px solid var(--fuh-line); border-radius: 16px !important; margin-bottom: .8rem; overflow: hidden; background: #fff; }
.faq-urban .accordion-button { font-family: var(--fuh-font-head); font-weight: 800; font-size: 1.05rem; color: var(--fuh-slate); padding: 1.2rem 1.4rem; background: #fff; }
.faq-urban .accordion-button:not(.collapsed) { background: var(--fuh-sun-soft); color: var(--fuh-slate); box-shadow: inset 4px 0 0 var(--fuh-sun); }
.faq-urban .accordion-button:focus { box-shadow: 0 0 0 .2rem rgba(31,79,255,.2); }
.faq-urban .accordion-body { color: var(--fuh-muted); }

/* ---------- Newsletter ---------- */
.news-panel { position: relative; background: var(--fuh-sun); border-radius: 28px; padding: 3.2rem 3.2rem 4.4rem; overflow: hidden; color: #4a3b00; }
.news-panel .skyline { color: rgba(14,23,38,.08); }
.news-panel > .row { position: relative; z-index: 1; }
.news-panel .form-control { border: 2px solid var(--fuh-slate); border-radius: 12px; padding: .9rem 1.1rem; }
.news-panel .form-status.success { background: #fff; }

/* ---------- CTA ---------- */
.cta-panel { position: relative; background: var(--fuh-cobalt); border-radius: 28px; padding: 3.2rem 3.2rem 4.6rem; overflow: hidden; color: #dbe4ff; }
.cta-panel .skyline { color: rgba(14,23,38,.25); }
.cta-panel > .row { position: relative; z-index: 1; }
.cta-panel h2 { color: #fff; }

/* ---------- Forms ---------- */
.form-shell { background: #fff; border-radius: 26px; padding: 2.6rem; border: 1px solid var(--fuh-line); box-shadow: var(--fuh-shadow); }
.form-label { font-family: var(--fuh-font-head); font-weight: 800; color: var(--fuh-slate); }
.form-control, .form-select { border-radius: 12px; border: 1.5px solid var(--fuh-line); padding: .8rem 1rem; background-color: #fafbfc; }
.form-control:focus, .form-select:focus { border-color: var(--fuh-cobalt); box-shadow: 0 0 0 .22rem rgba(31,79,255,.14); background-color: #fff; }
.form-check-input:checked { background-color: var(--fuh-cobalt); border-color: var(--fuh-cobalt); }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { display: none; margin-top: 1rem; border-radius: 12px; padding: .9rem 1.1rem; font-weight: 600; }
.form-status.show { display: block; }
.form-status.success { background: #e3f7ec; color: #136c3f; border: 1px solid #b6e6cb; }
.form-status.error { background: #ffe9e9; color: #a1191d; border: 1px solid #ffc6c6; }
.btn .spinner-border { width: 1rem; height: 1rem; border-width: .15em; margin-right: .4rem; }

.contact-tile { border-radius: 22px; padding: 2rem; height: 100%; }
.contact-tile .ic { width: 54px; height: 54px; border-radius: 15px; display: grid; place-items: center; font-size: 1.4rem; margin-bottom: 1rem; }
.contact-tile h3 { font-size: 1.2rem; margin-bottom: .3rem; }
.contact-tile p, .contact-tile a { margin: 0; font-weight: 600; overflow-wrap: anywhere; }
.contact-tile.blue { background: var(--fuh-cobalt); color: #dbe4ff; }
.contact-tile.blue h3, .contact-tile.blue a { color: #fff; }
.contact-tile.blue .ic { background: rgba(255,255,255,.15); color: var(--fuh-sun); }
.contact-tile.sun { background: var(--fuh-sun); color: #4a3b00; }
.contact-tile.sun a { color: var(--fuh-slate); }
.contact-tile.sun .ic { background: rgba(14,23,38,.1); color: var(--fuh-slate); }
.contact-tile.slate { background: var(--fuh-slate); color: #a9b4c6; }
.contact-tile.slate h3 { color: #fff; }
.contact-tile.slate a { color: var(--fuh-sun); }
.contact-tile.slate .ic { background: rgba(124,198,255,.14); color: var(--fuh-sky); }
.contact-tile a:hover { text-decoration: underline; }
.help-list { list-style: none; padding: 0; margin: 0; }
.help-list li { display: flex; gap: .9rem; padding: 1.1rem 0; border-bottom: 1px dashed var(--fuh-line); }
.help-list li:last-child { border-bottom: 0; }
.help-list i { width: 44px; height: 44px; flex: 0 0 44px; border-radius: 12px; background: var(--fuh-cobalt-soft); color: var(--fuh-cobalt); display: grid; place-items: center; font-size: 1.15rem; }
.help-list h3 { font-size: 1.05rem; margin-bottom: .15rem; }
.help-list p { margin: 0; color: var(--fuh-muted); font-size: .95rem; }

/* ---------- Values ---------- */
.value-tile { background: #fff; border-radius: 22px; padding: 2rem; border: 1px solid var(--fuh-line); height: 100%; transition: border-color .25s ease, transform .25s ease; }
.value-tile:hover { border-color: var(--fuh-cobalt); transform: translateY(-4px); }
.value-tile .ic { width: 54px; height: 54px; border-radius: 15px; background: var(--fuh-sun-soft); color: #9a7600; display: grid; place-items: center; font-size: 1.45rem; }
.value-tile h3 { font-size: 1.25rem; margin: 1rem 0 .4rem; }
.value-tile p { margin: 0; color: var(--fuh-muted); }

/* ---------- Legal ---------- */
.legal-doc { background: #fff; border-radius: 24px; padding: 3rem; border: 1px solid var(--fuh-line); }
.legal-doc h2 { font-size: 1.35rem; margin: 2.2rem 0 .8rem; padding-left: .9rem; border-left: 4px solid var(--fuh-sun); }
.legal-doc p, .legal-doc li { color: #384152; }
.legal-menu { position: sticky; top: 110px; }
.legal-menu a { display: block; padding: .5rem .8rem; border-radius: 10px; font-weight: 600; font-size: .93rem; color: var(--fuh-muted); }
.legal-menu a:hover { background: var(--fuh-cobalt-soft); color: var(--fuh-cobalt); }

/* ---------- Footer ---------- */
.footer { position: relative; background: var(--fuh-slate); color: #a9b4c6; padding: 90px 0 0; overflow: hidden; font-size: .96rem; }
.footer .skyline { color: rgba(31,79,255,.14); }
.footer .container { position: relative; z-index: 1; }
.footer h4 { color: #fff; font-size: 1.12rem; margin-bottom: 1.3rem; }
.footer a { color: #dfe6f2; }
.footer a:hover { color: var(--fuh-sun); }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer ul li { margin-bottom: .6rem; }
.footer .fi { display: flex; gap: .7rem; }
.footer .fi i { color: var(--fuh-sun); }
.footer .form-control { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.15); color: #fff; }
.footer .form-control::placeholder { color: #7f8aa0; }
.footer .form-control:focus { background: rgba(255,255,255,.1); }
.footer .form-status.success { background: rgba(70,200,130,.14); color: #a8ecc6; border-color: rgba(70,200,130,.35); }
.footer .form-status.error { background: rgba(255,100,100,.14); color: #ffb9b9; border-color: rgba(255,100,100,.35); }
.foot-socials { display: flex; gap: .5rem; margin-top: 1.3rem; }
.foot-socials a { width: 40px; height: 40px; border-radius: 11px; display: grid; place-items: center; background: rgba(255,255,255,.07); color: #fff; }
.foot-socials a:hover { background: var(--fuh-sun); color: var(--fuh-slate); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.09); margin-top: 60px; padding: 1.4rem 0; font-size: .9rem; }

.back-up { position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border-radius: 14px; border: 0; background: var(--fuh-sun); color: var(--fuh-slate); font-size: 1.2rem; display: grid; place-items: center; box-shadow: var(--fuh-shadow); opacity: 0; visibility: hidden; transition: all .3s ease; z-index: 1000; }
.back-up.show { opacity: 1; visibility: visible; }
.back-up:hover { background: var(--fuh-cobalt); color: #fff; }

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

/* ---------- Responsive ---------- */
@media (max-width: 991.98px) {
  .section { padding: 76px 0; }
  .hero { padding: 60px 0 110px; }
  .bento { margin-top: 2.6rem; }
  .main-header .navbar-collapse { padding: 1rem 0; }
  .main-header .nav-link.active { box-shadow: none; background: var(--fuh-cobalt-soft); border-radius: 10px; }
  .news-panel, .cta-panel { padding: 2.2rem 1.6rem 4rem; }
  .legal-menu { position: static; }
}
@media (max-width: 575.98px) {
  .g-5, .gx-5 { --bs-gutter-x: 1.5rem; }
  .brand-logo { font-size: 1.18rem; gap: .45rem; }
  .brand-logo .logo-mark { width: 34px; height: 34px; flex-basis: 34px; font-size: 1rem; }
  .bento { grid-template-columns: 1fr; }
  .bento .tile-img { grid-row: auto; min-height: 280px; }
  .about-grid .img-frame.tall { min-height: 300px; }
  .form-shell, .legal-doc, .post-text { padding: 1.5rem; }
}