/* ============================================================
   Money Goals Way — Main Stylesheet
   Palette: Deep Navy / Teal / Amber Gold / Coral
   ============================================================ */

:root {
  --navy: #0d2b45;
  --navy-2: #12395c;
  --navy-3: #081d33;
  --ink: #16283b;
  --teal: #0f9b8e;
  --teal-dark: #0b7c72;
  --teal-soft: #e6f6f4;
  --gold: #f4a825;
  --gold-dark: #d98c0f;
  --gold-soft: #fff6e3;
  --coral: #ef6351;
  --coral-soft: #fdeeec;
  --cream: #fffaf1;
  --bg: #f4f8fb;
  --muted: #5d7186;
  --line: #e3ecf3;
  --white: #ffffff;
  --shadow: 0 12px 32px rgba(13, 43, 69, .10);
  --shadow-lg: 0 24px 60px rgba(13, 43, 69, .16);
  --radius: 18px;
  --font-head: 'Manrope', 'Segoe UI', system-ui, -apple-system, sans-serif;
  --font-body: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
}

html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6, .font-head { font-family: var(--font-head); color: var(--navy); font-weight: 800; }
a { text-decoration: none; transition: color .2s ease; }
a:hover { text-decoration: none; }
img { max-width: 100%; }

.text-teal { color: var(--teal) !important; }
.text-gold { color: var(--gold) !important; }
.text-coral { color: var(--coral) !important; }
.text-muted-2 { color: var(--muted) !important; }
.bg-soft { background: var(--bg); }
.bg-cream { background: var(--cream); }

/* ---------- Buttons ---------- */
.btn { border-radius: 50rem; font-weight: 700; font-family: var(--font-head); padding: .72rem 1.6rem; transition: all .25s ease; }
.btn-gold { background: var(--gold); color: var(--navy); box-shadow: 0 8px 20px rgba(244, 168, 37, .35); }
.btn-gold:hover { background: var(--gold-dark); color: #fff; transform: translateY(-2px); box-shadow: 0 12px 26px rgba(217, 140, 15, .4); }
.btn-teal { background: var(--teal); color: #fff; box-shadow: 0 8px 20px rgba(15, 155, 142, .3); }
.btn-teal:hover { background: var(--teal-dark); color: #fff; transform: translateY(-2px); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); color: #fff; transform: translateY(-2px); }
.btn-outline-gold { border: 2px solid var(--gold); color: var(--gold-dark); background: transparent; }
.btn-outline-gold:hover { background: var(--gold); color: var(--navy); }
.btn-outline-light-2 { border: 2px solid rgba(255,255,255,.55); color: #fff; background: transparent; }
.btn-outline-light-2:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn-outline-teal { border: 2px solid var(--teal); color: var(--teal-dark); background: transparent; }
.btn-outline-teal:hover { background: var(--teal); color: #fff; }
.btn-lg-2 { padding: .9rem 2.1rem; font-size: 1.05rem; }

/* ---------- Navbar ---------- */
.navbar-mgw {
  background: #fff;
  padding: .9rem 0;
  transition: all .3s ease;
  border-bottom: 1px solid transparent;
}
.navbar-mgw.scrolled, .navbar-mgw.stuck { box-shadow: 0 6px 24px rgba(13,43,69,.10); padding: .55rem 0; border-bottom-color: var(--line); }
.brand-logo { display: flex; align-items: center; gap: .6rem; }
.brand-logo svg { width: 40px; height: 40px; }
.brand-name { font-family: var(--font-head); font-weight: 800; font-size: 1.3rem; color: var(--navy); line-height: 1.1; letter-spacing: -.02em; }
.brand-name span { color: var(--gold); }
.navbar-mgw .nav-link { font-family: var(--font-head); font-weight: 700; color: var(--ink); margin: 0 .35rem; position: relative; }
.navbar-mgw .nav-link::after {
  content: ""; position: absolute; left: .8rem; right: .8rem; bottom: 2px; height: 3px;
  border-radius: 3px; background: var(--gold); transform: scaleX(0); transition: transform .25s ease;
}
.navbar-mgw .nav-link:hover { color: var(--teal-dark); }
.navbar-mgw .nav-link:hover::after, .navbar-mgw .nav-link.active::after { transform: scaleX(1); }
.navbar-mgw .nav-link.active { color: var(--teal-dark); }
.navbar-toggler { border: 1px solid var(--line); padding: .5rem .7rem; }
.navbar-toggler:focus { box-shadow: 0 0 0 .2rem rgba(15,155,142,.25); }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background: linear-gradient(120deg, var(--navy-3) 0%, var(--navy) 45%, #0c5a54 100%);
  padding: 7.5rem 0 6.5rem;
}
.hero::before {
  content: ""; position: absolute; inset: 0; opacity: .5;
  background:
    radial-gradient(48rem 24rem at 85% 10%, rgba(244,168,37,.22), transparent 60%),
    radial-gradient(40rem 22rem at 8% 90%, rgba(15,155,142,.28), transparent 60%);
}
.hero::after {
  content: ""; position: absolute; inset: 0; opacity: .07;
  background-image: radial-gradient(#fff 1.2px, transparent 1.2px);
  background-size: 26px 26px;
}
.hero .container { position: relative; z-index: 2; }
.hero h1 { color: #fff; font-size: clamp(2.3rem, 4.6vw, 3.6rem); line-height: 1.12; letter-spacing: -.02em; }
.hero h1 .mark-gold { color: var(--gold); position: relative; white-space: nowrap; }
.hero p.lead-2 { color: rgba(255,255,255,.82); font-size: 1.13rem; max-width: 34rem; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: .55rem;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.22);
  color: var(--gold); font-family: var(--font-head); font-weight: 700; font-size: .8rem;
  letter-spacing: .16em; text-transform: uppercase; border-radius: 50rem; padding: .45rem 1.1rem;
  backdrop-filter: blur(4px);
}
.hero-card {
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16);
  border-radius: var(--radius); backdrop-filter: blur(6px);
}
.hero-float {
  position: absolute; background: #fff; color: var(--navy); border-radius: 14px;
  box-shadow: var(--shadow-lg); padding: .8rem 1.1rem; display: flex; gap: .7rem; align-items: center;
  animation: floaty 5.5s ease-in-out infinite;
}
.hero-float .ic { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; font-size: 1.2rem; }
.hero-float small { color: var(--muted); display: block; font-size: .72rem; }
.hero-float strong { font-family: var(--font-head); font-size: .95rem; }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* ---------- Page hero (sub pages) ---------- */
.page-hero {
  position: relative; overflow: hidden; color: #fff; padding: 9rem 0 4.2rem;
  background: linear-gradient(115deg, var(--navy-3), var(--navy) 55%, #0c5a54);
}
.page-hero::after {
  content: ""; position: absolute; inset: 0; opacity: .07;
  background-image: radial-gradient(#fff 1.2px, transparent 1.2px); background-size: 26px 26px;
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 3.6vw, 2.9rem); }
.breadcrumb-mgw { margin: 0; background: transparent; padding: 0; }
.breadcrumb-mgw .breadcrumb-item a { color: var(--gold); font-weight: 600; }
.breadcrumb-mgw .breadcrumb-item.active { color: rgba(255,255,255,.75); }
.breadcrumb-mgw .breadcrumb-item + .breadcrumb-item::before { color: rgba(255,255,255,.45); }

/* ---------- Section headings ---------- */
section { position: relative; }
.section-pad { padding: 5.5rem 0; }
.eyebrow {
  display: inline-flex; align-items: center; gap: .6rem;
  color: var(--teal-dark); font-family: var(--font-head); font-weight: 800;
  text-transform: uppercase; letter-spacing: .18em; font-size: .78rem;
}
.eyebrow::before { content: ""; width: 34px; height: 3px; border-radius: 3px; background: var(--gold); }
.section-title { font-size: clamp(1.7rem, 3vw, 2.45rem); letter-spacing: -.02em; }
.section-sub { color: var(--muted); max-width: 44rem; }

/* ---------- Stats bar ---------- */
.stats-band { background: var(--navy); position: relative; z-index: 3; margin-top: -3.4rem; border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.stat-item { text-align: center; padding: 1.9rem 1rem; }
.stat-item + .stat-item { border-left: 1px solid rgba(255,255,255,.12); }
.stat-num { font-family: var(--font-head); font-weight: 800; font-size: 2.1rem; color: var(--gold); }
.stat-label { color: rgba(255,255,255,.78); font-size: .9rem; font-weight: 600; }
@media (max-width: 767px) { .stat-item + .stat-item { border-left: 0; border-top: 1px solid rgba(255,255,255,.12); } }

/* ---------- Service cards ---------- */
.service-card {
  background: #fff; border-radius: var(--radius); overflow: hidden; height: 100%;
  box-shadow: var(--shadow); border: 1px solid var(--line);
  transition: transform .3s ease, box-shadow .3s ease; display: flex; flex-direction: column;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.service-media { position: relative; height: 200px; }
.service-media img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.service-card:hover .service-media img { transform: scale(1.06); }
.service-badge {
  position: absolute; left: 1.25rem; bottom: -22px; width: 48px; height: 48px;
  border-radius: 14px; display: grid; place-items: center; font-size: 1.35rem; color: #fff;
  box-shadow: 0 8px 18px rgba(13,43,69,.25);
}
.badge-teal { background: var(--teal); } .badge-gold { background: var(--gold); }
.badge-navy { background: var(--navy); } .badge-coral { background: var(--coral); }
.badge-teal2 { background: #1273a8; } .badge-plum { background: #7a5cc4; }
.service-body { padding: 2.1rem 1.5rem 1.6rem; display: flex; flex-direction: column; flex: 1; }
.service-body h3 { font-size: 1.22rem; }
.service-body p { color: var(--muted); font-size: .94rem; flex: 1; }

/* ---------- Feature / why choose ---------- */
.feature-tile {
  background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 1.7rem 1.4rem;
  height: 100%; transition: all .3s ease;
}
.feature-tile:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.feature-ic { width: 54px; height: 54px; border-radius: 15px; display: grid; place-items: center; font-size: 1.45rem; margin-bottom: 1rem; }
.fic-teal { background: var(--teal-soft); color: var(--teal-dark); }
.fic-gold { background: var(--gold-soft); color: var(--gold-dark); }
.fic-coral { background: var(--coral-soft); color: var(--coral); }
.fic-navy { background: #e8eef5; color: var(--navy); }
.fic-blue { background: #e7f1f8; color: #1273a8; }
.fic-plum { background: #efeafa; color: #7a5cc4; }
.feature-tile h4 { font-size: 1.05rem; }
.feature-tile p { color: var(--muted); font-size: .9rem; margin: 0; }

/* ---------- Steps ---------- */
.step-card { position: relative; text-align: center; padding: 0 1rem; }
.step-num {
  width: 74px; height: 74px; margin: 0 auto 1.2rem; border-radius: 50%;
  display: grid; place-items: center; font-family: var(--font-head); font-weight: 800; font-size: 1.5rem;
  color: #fff; position: relative; z-index: 2; box-shadow: var(--shadow);
}
.step-card h4 { font-size: 1.1rem; }
.step-card p { color: var(--muted); font-size: .92rem; }
.steps-line { position: relative; }
.steps-line::before {
  content: ""; position: absolute; top: 37px; left: 12%; right: 12%; height: 3px;
  background: repeating-linear-gradient(90deg, var(--line) 0 12px, transparent 12px 22px);
  z-index: 1;
}
@media (max-width: 767px) { .steps-line::before { display: none; } }

/* ---------- About teaser ---------- */
.about-visual { position: relative; }
.about-visual .main-img { border-radius: var(--radius); box-shadow: var(--shadow-lg); width: 100%; object-fit: cover; }
.about-visual .exp-chip {
  position: absolute; bottom: -22px; right: 8%; background: var(--gold); color: var(--navy);
  border-radius: 16px; padding: 1rem 1.4rem; box-shadow: var(--shadow-lg);
  font-family: var(--font-head); font-weight: 800; text-align: center;
}
.exp-chip .big { font-size: 1.7rem; line-height: 1; display: block; }
.check-list li { display: flex; gap: .65rem; margin-bottom: .7rem; align-items: flex-start; color: var(--ink); }
.check-list .bi { color: var(--teal); font-size: 1.15rem; margin-top: .15rem; }

/* ---------- Testimonials ---------- */
.testimonials { background: linear-gradient(140deg, var(--navy-3), var(--navy) 60%, #0c5a54); color: #fff; }
.testimonials .section-title { color: #fff; }
.testimonials .section-sub { color: rgba(255,255,255,.72); }
.testi-card {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--radius); padding: 1.8rem; height: 100%; backdrop-filter: blur(4px);
  transition: transform .3s ease, background .3s ease;
}
.testi-card:hover { transform: translateY(-6px); background: rgba(255,255,255,.11); }
.testi-card .stars { color: var(--gold); letter-spacing: .15em; font-size: .9rem; }
.testi-card p { color: rgba(255,255,255,.86); font-size: .96rem; }
.testi-name { font-family: var(--font-head); font-weight: 800; color: var(--gold); }
.testi-quote { font-size: 2rem; color: rgba(244,168,37,.5); }

/* ---------- Blog cards ---------- */
.blog-card {
  background: #fff; border-radius: var(--radius); overflow: hidden; height: 100%;
  border: 1px solid var(--line); box-shadow: var(--shadow); display: flex; flex-direction: column;
  transition: transform .3s ease, box-shadow .3s ease;
}
.blog-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.blog-card .blog-img { height: 210px; overflow: hidden; }
.blog-card .blog-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.blog-card:hover .blog-img img { transform: scale(1.06); }
.blog-card .blog-body { padding: 1.6rem; display: flex; flex-direction: column; flex: 1; }
.blog-card h3 { font-size: 1.15rem; line-height: 1.4; }
.blog-card h3 a { color: var(--navy); }
.blog-card h3 a:hover { color: var(--teal-dark); }
.blog-card p { color: var(--muted); font-size: .93rem; flex: 1; }
.read-more { font-family: var(--font-head); font-weight: 800; color: var(--gold-dark); display: inline-flex; align-items: center; gap: .4rem; }
.read-more:hover { color: var(--teal-dark); gap: .7rem; }
.read-more .bi { transition: transform .2s; }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(115deg, var(--teal-dark), var(--teal) 55%, #14b39a);
  border-radius: 24px; color: #fff; position: relative; overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.cta-band::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(30rem 16rem at 90% -20%, rgba(244,168,37,.4), transparent 60%);
}
.cta-band .container { position: relative; z-index: 2; }
.cta-band h2 { color: #fff; }
.cta-band-gold { background: linear-gradient(115deg, var(--gold-dark), var(--gold) 60%, #ffc35c); }
.cta-band-gold h2 { color: var(--navy); }
.cta-band-gold p { color: rgba(13,43,69,.85); }

/* ---------- Forms ---------- */
.form-label { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: .92rem; }
.form-control, .form-select {
  border: 1.5px solid var(--line); border-radius: 12px; padding: .72rem 1rem;
  background: #fbfdfe; color: var(--ink);
}
.form-control:focus, .form-select:focus {
  border-color: var(--teal); box-shadow: 0 0 0 .25rem rgba(15,155,142,.15); background: #fff;
}
.form-card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); border: 1px solid var(--line); padding: 2.2rem; }
.info-tile {
  display: flex; gap: 1rem; align-items: flex-start; background: #fff; border: 1px solid var(--line);
  border-radius: 16px; padding: 1.4rem; height: 100%; transition: all .3s ease;
}
.info-tile:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.info-ic { width: 52px; height: 52px; flex: 0 0 52px; border-radius: 14px; display: grid; place-items: center; font-size: 1.35rem; }

/* Alerts / toasts */
.mgw-alert { border-radius: 14px; font-weight: 600; }

/* ---------- Footer ---------- */
footer.site-footer { background: var(--navy-3); color: rgba(255,255,255,.72); }
.site-footer h5 { color: #fff; font-size: 1.02rem; margin-bottom: 1.2rem; position: relative; padding-bottom: .6rem; }
.site-footer h5::after { content: ""; position: absolute; left: 0; bottom: 0; width: 34px; height: 3px; background: var(--gold); border-radius: 3px; }
.site-footer a { color: rgba(255,255,255,.72); }
.site-footer a:hover { color: var(--gold); }
.footer-link { display: flex; align-items: center; gap: .5rem; margin-bottom: .55rem; font-size: .94rem; }
.footer-link .bi { color: var(--gold); font-size: .8rem; }
.footer-contact li { display: flex; gap: .8rem; margin-bottom: .9rem; font-size: .94rem; }
.footer-contact .bi { color: var(--gold); font-size: 1.05rem; margin-top: .2rem; }
.social-row a {
  width: 40px; height: 40px; border-radius: 12px; display: inline-grid; place-items: center;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); color: #fff; margin-right: .5rem;
  transition: all .25s ease;
}
.social-row a:hover { background: var(--gold); color: var(--navy); transform: translateY(-3px); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); font-size: .88rem; }
.footer-news .form-control { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.18); color: #fff; }
.footer-news .form-control::placeholder { color: rgba(255,255,255,.5); }
.footer-news .form-control:focus { background: rgba(255,255,255,.12); border-color: var(--gold); box-shadow: none; color: #fff; }

/* ---------- Back to top ---------- */
#backTop {
  position: fixed; right: 1.4rem; bottom: 1.4rem; width: 48px; height: 48px; border-radius: 14px;
  background: var(--gold); color: var(--navy); border: 0; display: grid; place-items: center;
  font-size: 1.2rem; box-shadow: var(--shadow-lg); opacity: 0; pointer-events: none; transition: all .3s ease; z-index: 1030;
}
#backTop.show { opacity: 1; pointer-events: auto; }
#backTop:hover { background: var(--teal); color: #fff; }

/* ---------- Misc ---------- */
.divider-wave { display: block; width: 100%; height: 70px; }
.legal-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 2.6rem; box-shadow: var(--shadow); }
.legal-card h2 { font-size: 1.35rem; margin-top: 2rem; }
.legal-card h2:first-child { margin-top: 0; }
.legal-card p, .legal-card li { color: var(--muted); font-size: .95rem; }
.toc-box { background: var(--bg); border-radius: 14px; padding: 1.4rem 1.6rem; }
.toc-box a { color: var(--teal-dark); font-weight: 600; }
.toc-box a:hover { color: var(--gold-dark); }
.rounded-img-lg { border-radius: var(--radius); box-shadow: var(--shadow-lg); object-fit: cover; }
.value-card { border-radius: var(--radius); padding: 2rem; height: 100%; color: #fff; position: relative; overflow: hidden; }
.value-card h4 { color: #fff; }
.value-card p { color: rgba(255,255,255,.85); margin: 0; font-size: .95rem; }
.vc-navy { background: linear-gradient(150deg, var(--navy), var(--navy-2)); }
.vc-teal { background: linear-gradient(150deg, var(--teal-dark), var(--teal)); }
.vc-gold { background: linear-gradient(150deg, var(--gold-dark), var(--gold)); }
.vc-gold h4 { color: var(--navy); } .vc-gold p { color: rgba(13,43,69,.85); }
.vc-coral { background: linear-gradient(150deg, #d84c3b, var(--coral)); }
.icon-huge { font-size: 2rem; margin-bottom: .8rem; display: inline-block; }

.subscribe-perk { display: flex; gap: .9rem; align-items: flex-start; margin-bottom: 1.1rem; }
.subscribe-perk .bi { color: var(--teal); font-size: 1.3rem; }

::selection { background: var(--gold); color: var(--navy); }

@media (max-width: 991px) {
  .navbar-mgw .navbar-collapse { background: #fff; border-radius: 14px; padding: 1rem; margin-top: .8rem; box-shadow: var(--shadow); }
  .hero { padding: 6.5rem 0 5.5rem; }
}