/* --- CSS VARIABLES & RESET --- */
        :root {
            --primary-color: #003366; /* Navy Blue - Trust */
            --secondary-color: #C5A059; /* Gold - Wealth */
            --accent-color: #00a896; /* Teal - Growth */
            --text-dark: #1a1a1a;
            --text-light: #f4f4f4;
            --bg-light: #ffffff;
            --bg-alt: #f9fbfd;
            --shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
            --transition: all 0.3s ease;
        }

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

        body {
            font-family: 'Inter', sans-serif;
            color: var(--text-dark);
            line-height: 1.6;
            overflow-x: hidden;
            background-color: var(--bg-light);
        }

        h1, h2, h3, h4 {
            font-family: 'Playfair Display', serif;
            font-weight: 700;
            color: var(--primary-color);
        }

        a { text-decoration: none; color: inherit; transition: var(--transition); }
        ul { list-style: none; }
        
        /* --- UTILITIES --- */
        .container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
        }
        .btn {
            display: inline-block;
            padding: 12px 28px;
            border-radius: 5px;
            font-weight: 600;
            cursor: pointer;
            transition: var(--transition);
            border: 2px solid transparent;
        }
        .btn-primary {
            background-color: var(--secondary-color);
            color: #fff;
        }
        .btn-primary:hover {
            background-color: #b08d4d;
            transform: translateY(-2px);
        }
        .btn-secondary {
            background-color: transparent;
            border-color: #fff;
            color: #fff;
        }
        .btn-secondary:hover {
            background-color: #fff;
            color: var(--primary-color);
        }
        .section-padding { padding: 80px 0; }
        .text-center { text-align: center; }
        .section-title {
            font-size: 2.5rem;
            margin-bottom: 1rem;
            text-align: center;
        }
        .section-subtitle {
            text-align: center;
            max-width: 700px;
            margin: 0 auto 3rem auto;
            color: #555;
        }

        /* --- HEADER --- */
        header {
            background-color: #fff;
            box-shadow: 0 2px 10px rgba(0,0,0,0.05);
            position: sticky;
            top: 0;
            z-index: 1000;
        }

        .nav-container {
            display: flex;
            justify-content: space-between;
            align-items: center;
            height: 80px;
        }

        .logo {
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--primary-color);
            display: flex;
            align-items: center;
            gap: 10px;
        }
        .logo span { color: var(--secondary-color); }

        .nav-menu {
            display: flex;
            gap: 25px;
            align-items: center;
        }

        .nav-menu a {
            font-weight: 500;
            font-size: 0.95rem;
            color: var(--text-dark);
            position: relative;
        }

        .nav-menu a:hover { color: var(--secondary-color); }

        .nav-extras {
            display: flex;
            align-items: center;
            gap: 15px;
        }

        .phone-icon {
            font-size: 1.2rem;
            color: var(--primary-color);
            font-weight: 600;
            display: flex;
            align-items: center;
            gap: 5px;
        }

        .mobile-toggle { display: none; font-size: 1.5rem; cursor: pointer; }

        /* --- HERO SECTION --- */
        .hero {
            background: linear-gradient(rgba(0, 51, 102, 0.85), rgba(0, 51, 102, 0.8)), url('../img/hero.jpg');
            background-size: cover;
            background-position: center;
            color: #fff;
            padding: 140px 0;
            position: relative;
        }

        .hero-content {
            display: flex;
            align-items: center;
            justify-content: space-between;
            gap: 40px;
            flex-wrap: wrap;
            color: #fff;
        }

        .hero-text {
            flex: 1;
            min-width: 300px;
            animation: fadeInUp 1s ease;
            color: #fff;
        }

        /* Dynamic Title Styling */
        #dynamic-hero-title {
            font-size: 3.5rem;
            line-height: 1.2;
            margin-bottom: 1.5rem;
            text-shadow: 0 2px 4px rgba(0,0,0,0.3);
        }

        #dynamic-hero-desc {
            font-size: 1.1rem;
            margin-bottom: 2.5rem;
            opacity: 0.9;
            max-width: 500px;
        }

        .hero-cta { display: flex; gap: 15px; flex-wrap: wrap; }

        .hero-visual {
            flex: 1;
            min-width: 300px;
            position: relative;
        }

        /* Abstract Financial Graphic (Pure CSS) */
        .finance-graphic {
            width: 100%;
            max-width: 400px;
            height: 300px;
            background: rgba(255,255,255,0.1);
            border-radius: 15px;
            border: 1px solid rgba(255,255,255,0.3);
            backdrop-filter: blur(10px);
            display: flex;
            align-items: flex-end;
            justify-content: space-around;
            padding: 20px;
            position: relative;
            overflow: hidden;
        }

        .bar {
            width: 15%;
            background: var(--secondary-color);
            border-radius: 5px 5px 0 0;
            animation: growBar 2s ease-out forwards;
            opacity: 0.8;
        }
        .bar:nth-child(2) { height: 60%; animation-delay: 0.2s; background: #fff; }
        .bar:nth-child(3) { height: 80%; animation-delay: 0.4s; background: var(--accent-color); }
        .bar:nth-child(4) { height: 45%; animation-delay: 0.6s; background: var(--secondary-color); }

        @keyframes growBar {
            from { height: 0; transform: translateY(20px); opacity: 0; }
            to { opacity: 0.8; transform: translateY(0); }
        }

        @keyframes fadeInUp {
            from { opacity: 0; transform: translateY(30px); }
            to { opacity: 1; transform: translateY(0); }
        }

        /* --- ABOUT PREVIEW --- */
        .about-preview { background-color: var(--bg-alt); }
        
        .about-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 30px;
            margin-top: 40px;
        }

        .about-card {
            background: #fff;
            padding: 25px;
            border-radius: 8px;
            border-left: 4px solid var(--secondary-color);
            box-shadow: 0 5px 15px rgba(0,0,0,0.05);
            transition: var(--transition);
        }
        .about-card:hover { transform: translateY(-5px); }
        .about-card h4 { margin-bottom: 10px; font-size: 1.1rem; }
        .about-card p { font-size: 0.95rem; color: #555; }

        /* --- WHY CHOOSE US --- */
        .why-choose { background-color: var(--primary-color); color: #fff; }
        .why-choose h2, .why-choose p { color: #fff; }
        .why-choose p { opacity: 0.9; }

        .features-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
            gap: 30px;
            margin-top: 40px;
        }

        .feature-item {
            background: rgba(255,255,255,0.05);
            padding: 30px;
            border-radius: 10px;
            text-align: center;
            border: 1px solid rgba(255,255,255,0.1);
        }

        .feature-icon {
            font-size: 2rem;
            color: var(--secondary-color);
            margin-bottom: 15px;
            background: rgba(255,255,255,0.1);
            width: 60px;
            height: 60px;
            line-height: 60px;
            border-radius: 50%;
            margin: 0 auto 15px auto;
        }

        .feature-item h3 { font-size: 1.2rem; margin-bottom: 10px; color: #fff; }
        .feature-item p { font-size: 0.95rem; color: #e0e0e0; }

        /* --- SERVICES --- */
        .services { background-color: var(--bg-light); }

        .service-tabs {
            display: flex;
            justify-content: center;
            gap: 15px;
            flex-wrap: wrap;
            margin-bottom: 40px;
        }

        .tab-btn {
            padding: 10px 20px;
            background: #f0f0f0;
            border: none;
            border-radius: 30px;
            cursor: pointer;
            font-weight: 600;
            transition: var(--transition);
        }

        .tab-btn.active, .tab-btn:hover {
            background: var(--primary-color);
            color: #fff;
        }

        .service-content {
            background: #fff;
            padding: 40px;
            border-radius: 15px;
            box-shadow: var(--shadow);
            display: none; /* Hidden by default */
            animation: fadeInUp 0.5s ease;
        }

        .service-content.active { display: block; }

        .service-list {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 20px;
        }

        .service-list li {
            background: var(--bg-alt);
            padding: 15px;
            border-radius: 5px;
            font-weight: 500;
            display: flex;
            align-items: center;
            gap: 10px;
        }
        
        .service-list li::before {
            content: '•';
            color: var(--secondary-color);
            font-weight: bold;
            font-size: 1.5rem;
        }

        .cta-container { text-align: center; margin-top: 40px; }

        /* --- TESTIMONIALS --- */
        .testimonials { background-color: var(--bg-alt); position: relative; }
        
        .testimonial-slider {
            max-width: 800px;
            margin: 0 auto;
            overflow: hidden;
            position: relative;
            background: #fff;
            padding: 40px;
            border-radius: 15px;
            box-shadow: var(--shadow);
            text-align: center;
        }

        .slide {
            display: none;
            animation: fadeInUp 0.8s ease;
        }
        .slide.active { display: block; }

        .quote-text {
            font-size: 1.2rem;
            font-style: italic;
            color: #444;
            margin-bottom: 20px;
        }

        .client-name {
            font-weight: 700;
            color: var(--primary-color);
        }

        .slider-dots {
            display: flex;
            justify-content: center;
            gap: 10px;
            margin-top: 20px;
        }
        .dot {
            width: 10px;
            height: 10px;
            background: #ccc;
            border-radius: 50%;
            cursor: pointer;
        }
        .dot.active { background: var(--primary-color); transform: scale(1.2); }

        /* --- FAQ --- */
        .faq-container {
            max-width: 800px;
            margin: 0 auto;
        }

        .faq-item {
            border-bottom: 1px solid #ddd;
            margin-bottom: 10px;
        }

        .faq-question {
            width: 100%;
            text-align: left;
            padding: 20px;
            background: none;
            border: none;
            font-size: 1.1rem;
            font-weight: 600;
            cursor: pointer;
            display: flex;
            justify-content: space-between;
            align-items: center;
            color: var(--primary-color);
        }

        .faq-answer {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.3s ease;
            padding: 0 20px;
            color: #555;
        }
        
        .faq-answer.open { padding-bottom: 20px; }
        .faq-toggle-icon { transition: transform 0.3s; }
        .faq-toggle-icon.rotate { transform: rotate(180deg); }

        /* --- CONTACT & NEWSLETTER --- */
        .split-section {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 50px;
        }

        .form-box {
            background: #fff;
            padding: 30px;
            border-radius: 10px;
            box-shadow: 0 5px 15px rgba(0,0,0,0.05);
        }

        .form-group { margin-bottom: 15px; }
        
        .form-group label {
            display: block;
            margin-bottom: 5px;
            font-weight: 600;
            font-size: 0.9rem;
        }

        .form-control {
            width: 100%;
            padding: 12px;
            border: 1px solid #ddd;
            border-radius: 5px;
            font-family: inherit;
        }
        
        .form-control:focus {
            outline: none;
            border-color: var(--primary-color);
        }

        .checkbox-group {
            display: flex;
            align-items: center;
            gap: 10px;
            font-size: 0.9rem;
            margin-top: 10px;
        }

        .form-message {
            margin-top: 15px;
            padding: 10px;
            border-radius: 5px;
            text-align: center;
            display: none;
        }
        .success { background: #d4edda; color: #155724; display: block; }

        /* --- FOOTER --- */
        footer {
            background: var(--primary-color);
            color: #fff;
            padding-top: 60px;
        }

        .footer-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 40px;
            border-bottom: 1px solid rgba(255,255,255,0.1);
            padding-bottom: 40px;
        }

        .footer-col h4 {
            color: var(--secondary-color);
            margin-bottom: 20px;
            font-size: 1.2rem;
        }

        .footer-links li { margin-bottom: 10px; }
        .footer-links a { color: #ccc; font-size: 0.95rem; }
        .footer-links a:hover { color: #fff; padding-left: 5px; }

        .contact-info li {
            display: flex;
            align-items: flex-start;
            gap: 10px;
            margin-bottom: 12px;
            font-size: 0.9rem;
            color: #e0e0e0;
        }

        .social-icons {
            display: flex;
            gap: 15px;
            margin-top: 15px;
        }

        .social-icon {
            width: 35px;
            height: 35px;
            background: rgba(255,255,255,0.1);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            transition: var(--transition);
        }
        .social-icon:hover { background: var(--secondary-color); color: #000; }

        .copyright {
            text-align: center;
            padding: 20px 0;
            font-size: 0.85rem;
            color: #aaa;
            background: #002244;
        }

        /* --- MODALS (Privacy & Legal) --- */
        .modal-overlay {
            position: fixed;
            top: 0; left: 0; width: 100%; height: 100%;
            background: rgba(0,0,0,0.7);
            display: none;
            justify-content: center;
            align-items: center;
            z-index: 2000;
            padding: 20px;
        }
        
        .modal-content {
            background: #fff;
            padding: 40px;
            border-radius: 10px;
            max-width: 600px;
            max-height: 80vh;
            overflow-y: auto;
            width: 100%;
            position: relative;
        }

        .close-modal {
            position: absolute;
            top: 15px; right: 15px;
            font-size: 1.5rem;
            cursor: pointer;
            background: none;
            border: none;
            color: #333;
        }

        /* --- RESPONSIVE --- */
        @media (max-width: 768px) {
            #dynamic-hero-title { font-size: 2.2rem; }
            
            .nav-menu {
                position: fixed;
                top: 80px;
                left: 0;
                width: 100%;
                background: #fff;
                flex-direction: column;
                padding: 20px;
                box-shadow: 0 10px 10px rgba(0,0,0,0.1);
                display: none; /* Toggled via JS */
                align-items: flex-start;
            }
            .nav-menu.active { display: flex; }
            
            .mobile-toggle { display: block; }
            
            .hero-content { flex-direction: column; text-align: center; }
            .hero-cta { justify-content: center; }
            .finance-graphic { width: 100%; max-width: 100%; }
            
            .split-section { grid-template-columns: 1fr; }
        }