/* PiggyFin Bootstrap Theme */
:root {
  --pf-primary: #450102;
  --pf-primary-dark: #240506;
  --pf-secondary: #6B1514;
  --pf-accent: #E8C4C3;
  --pf-accent-light: #F0D4D3;
  --pf-cta: #873744;
  --pf-cta-hover: #8B1A18;
  --pf-surface: #FAF0EF;
  --pf-white: #ffffff;
  --bs-primary: #450102;
  --bs-primary-rgb: 69, 1, 2;
  --bs-secondary: #6B1514;
  --bs-body-font-family: 'Poppins', system-ui, sans-serif;
  --bs-link-color: #450102;
  --bs-link-hover-color: #8B1A18;
  --bs-btn-border-radius: 0.5rem;
  --bs-border-radius: 0.5rem;
  --bs-border-radius-lg: 0.75rem;
  --bs-accordion-btn-focus-box-shadow: 0 0 0 0.2rem rgba(139, 26, 24, 0.15);
}

/* Bootstrap brand utilities */
.bg-pf-surface { background-color: var(--pf-surface) !important; }
.bg-pf-cta { background-color: var(--pf-cta) !important; }
.text-pf-accent { color: var(--pf-cta-hover) !important; }
.pf-heading { font-size: clamp(1.75rem, 3vw, 2.5rem); line-height: 1.2; }
.pf-card-img-top { height: 200px; object-fit: cover; width: 100%; }
.pf-card-img-sm { height: 180px; object-fit: cover; width: 100%; }
.min-w-0 { min-width: 0; }

/* Bootstrap button theme */
.btn-primary {
  --bs-btn-bg: var(--pf-cta-hover);
  --bs-btn-border-color: var(--pf-cta-hover);
  --bs-btn-hover-bg: var(--pf-primary);
  --bs-btn-hover-border-color: var(--pf-primary);
  --bs-btn-active-bg: var(--pf-primary-dark);
  --bs-btn-active-border-color: var(--pf-primary-dark);
  --bs-btn-disabled-bg: var(--pf-cta-hover);
  --bs-btn-disabled-border-color: var(--pf-cta-hover);
  font-weight: 600;
}
.btn-outline-light {
  --bs-btn-color: #fff;
  --bs-btn-border-color: #fff;
  --bs-btn-hover-bg: #fff;
  --bs-btn-hover-border-color: #fff;
  --bs-btn-hover-color: var(--pf-primary);
  font-weight: 600;
  border-width: 2px;
}

/* Bootstrap card hover */
.card.shadow-sm {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.card.shadow-sm:hover {
  transform: translateY(-4px);
  box-shadow: 0 0.75rem 2rem rgba(69, 1, 2, 0.12) !important;
}
.pf-icon-box {
  width: 3.5rem;
  height: 3.5rem;
  background: var(--pf-surface);
  border-radius: var(--bs-border-radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--pf-primary);
  font-size: 1.5rem;
  margin-bottom: 1rem;
}
.pf-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  background: var(--pf-primary);
  color: #fff;
  font-size: 0.8rem;
  font-weight: 600;
  padding: 0.35rem 1rem;
  border-radius: 50rem;
}
.pf-benefit-card {
  position: relative;
  padding-top: 0.25rem;
}
.pf-benefit-num {
  position: absolute;
  top: 1rem;
  left: 1rem;
  width: 1.75rem;
  height: 1.75rem;
  background: var(--pf-primary);
  color: #fff;
  border-radius: 50%;
  font-size: 0.7rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
}
.pf-benefit-icon {
  width: 3.5rem;
  height: 3.5rem;
  background: var(--pf-accent-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--pf-cta-hover);
  font-size: 1.5rem;
  margin: 0 auto 1rem;
}
.pf-disclaimer-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(14rem, 1fr));
  gap: 0.75rem 1.5rem;
}
.pf-sme-amount {
  background: linear-gradient(135deg, var(--pf-accent-light) 0%, #fff 55%, var(--pf-surface) 100%);
  border: 1px solid rgba(69, 1, 2, 0.1);
  border-radius: var(--bs-border-radius-lg);
}
.pf-sme-feature {
  padding: 1rem 1.25rem;
  background: var(--pf-surface);
  border-radius: var(--bs-border-radius-lg);
  height: 100%;
}

/* Site footer on Bootstrap bg-primary */
.bg-primary.text-white a:not(.btn) {
  color: var(--pf-accent);
  text-decoration: none;
}
.bg-primary.text-white a:not(.btn):hover {
  color: #d47a78;
}
.bg-primary.text-white .pf-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.25rem;
  height: 2.25rem;
  background: #fff;
  color: var(--pf-primary);
  border-radius: 0.25rem;
  margin-right: 0.5rem;
  transition: background 0.2s, color 0.2s;
}
.bg-primary.text-white .pf-social a:hover {
  background: #d47a78;
  color: #fff;
}
.pf-icon-line {
  display: inline-block;
  width: 1em;
  height: 1em;
  vertical-align: -0.125em;
  flex-shrink: 0;
  background-color: currentColor;
  -webkit-mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M19.365 9.863c.349 0 .63.285.63.631 0 .345-.281.63-.63.63H17.61v1.125h1.755c.349 0 .63.283.63.63 0 .344-.281.629-.63.629h-2.386c-.345 0-.627-.285-.627-.629V8.108c0-.345.282-.63.63-.63h2.386c.349 0 .63.285.63.63 0 .349-.281.63-.63.63H17.61v1.125h1.755zm-3.855 3.016c0 .27-.174.51-.432.596-.064.021-.133.031-.199.031-.211 0-.391-.09-.51-.25l-2.443-3.317v2.94c0 .344-.279.629-.631.629-.346 0-.626-.285-.626-.629V8.108c0-.27.173-.51.43-.595.06-.023.136-.033.194-.033.195 0 .375.104.495.254l2.462 3.33V8.108c0-.345.282-.63.63-.63.345 0 .63.285.63.63v4.771zm-5.741 0c0 .344-.282.629-.631.629-.345 0-.627-.285-.627-.629V8.108c0-.345.282-.63.63-.63.346 0 .628.285.628.63v4.771zm-2.466.629H4.917c-.345 0-.63-.285-.63-.629V8.108c0-.345.285-.63.63-.63.348 0 .63.285.63.63v4.141h1.756c.348 0 .629.283.629.63 0 .344-.282.629-.629.629M24 10.314C24 4.943 18.615.572 12 .572S0 4.943 0 10.314c0 4.811 4.27 8.842 10.035 9.608.391.082.923.258 1.058.59.12.301.079.766.038 1.08l-.164 1.02c-.045.301-.24 1.186 1.049.645 1.291-.539 6.916-4.078 9.436-6.975C23.176 14.393 24 12.458 24 10.314'/%3E%3C/svg%3E");
  mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M19.365 9.863c.349 0 .63.285.63.631 0 .345-.281.63-.63.63H17.61v1.125h1.755c.349 0 .63.283.63.63 0 .344-.281.629-.63.629h-2.386c-.345 0-.627-.285-.627-.629V8.108c0-.345.282-.63.63-.63h2.386c.349 0 .63.285.63.63 0 .349-.281.63-.63.63H17.61v1.125h1.755zm-3.855 3.016c0 .27-.174.51-.432.596-.064.021-.133.031-.199.031-.211 0-.391-.09-.51-.25l-2.443-3.317v2.94c0 .344-.279.629-.631.629-.346 0-.626-.285-.626-.629V8.108c0-.27.173-.51.43-.595.06-.023.136-.033.194-.033.195 0 .375.104.495.254l2.462 3.33V8.108c0-.345.282-.63.63-.63.345 0 .63.285.63.63v4.771zm-5.741 0c0 .344-.282.629-.631.629-.345 0-.627-.285-.627-.629V8.108c0-.345.282-.63.63-.63.346 0 .628.285.628.63v4.771zm-2.466.629H4.917c-.345 0-.63-.285-.63-.629V8.108c0-.345.285-.63.63-.63.348 0 .63.285.63.63v4.141h1.756c.348 0 .629.283.629.63 0 .344-.282.629-.629.629M24 10.314C24 4.943 18.615.572 12 .572S0 4.943 0 10.314c0 4.811 4.27 8.842 10.035 9.608.391.082.923.258 1.058.59.12.301.079.766.038 1.08l-.164 1.02c-.045.301-.24 1.186 1.049.645 1.291-.539 6.916-4.078 9.436-6.975C23.176 14.393 24 12.458 24 10.314'/%3E%3C/svg%3E");
  -webkit-mask-size: contain;
  mask-size: contain;
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
  -webkit-mask-position: center;
  mask-position: center;
}
.bg-primary.text-white .pf-footer-contact li {
  display: flex;
  align-items: flex-start;
  min-width: 0;
  overflow-wrap: anywhere;
}
.bg-primary.text-white .pf-footer-contact li > i {
  margin-top: 0.15em;
  flex-shrink: 0;
}
.bg-primary.text-white .pf-footer-contact li > a {
  flex: 1;
  min-width: 0;
}
.bg-pf-cta h2 { color: #fff; font-weight: 700; }
.bg-pf-cta p { color: var(--pf-accent-light); }

html {
  overflow-x: hidden;
  max-width: 100%;
}

body {
  font-family: var(--bs-body-font-family);
  color: #333;
  overflow-x: hidden;
  max-width: 100%;
  width: 100%;
}

#page {
  overflow-x: hidden;
  max-width: 100%;
  width: 100%;
}

main {
  overflow-x: hidden;
  max-width: 100%;
}

img,
video,
svg,
canvas {
  max-width: 100%;
  height: auto;
}

.card-img-top,
.pf-card-img-top,
.pf-card-img-sm {
  max-width: 100%;
}

/* Navbar */
.pf-navbar {
  position: sticky;
  top: 0;
  z-index: 1030;
  background: var(--pf-white);
  box-shadow: 0 1px 12px rgba(69, 1, 2, 0.08);
  padding: 0.75rem 0;
  transition: background 0.3s ease, box-shadow 0.3s ease;
  max-width: 100%;
  overflow: visible;
}
.pf-navbar .navbar,
.pf-navbar__inner {
  overflow: visible;
}
.pf-navbar .navbar-brand img {
  height: 35px;
  width: auto;
  display: block;
  transition: filter 0.3s ease;
}
.pf-navbar.pf-navbar--scrolled .navbar-brand img {
  height: 37px;
}
.pf-navbar .nav-link {
  color: var(--pf-primary);
  font-weight: 500;
  padding: 0.5rem 1rem !important;
  border-radius: 8px;
  font-size: 0.875rem;
  letter-spacing: 0.04em;
}
.pf-navbar .nav-link:hover,
.pf-navbar .nav-link.active {
  color: var(--pf-cta-hover);
}
.pf-navbar .dropdown-menu {
  border-radius: 8px;
  border-color: #E8D4D4;
}
.pf-navbar .dropdown-item {
  white-space: normal;
  color: var(--pf-primary);
}
.pf-navbar .dropdown-item:hover,
.pf-navbar .dropdown-item:focus {
  background-color: var(--pf-surface);
  color: var(--pf-cta-hover);
}
.pf-navbar .dropdown-item:active {
  background-color: var(--pf-accent);
  color: var(--pf-primary);
}

/* Services dropdown — Bootstrap mega menu */
.pf-services-dropdown {
  border-radius: 0 0 12px 12px;
  border-top: 1px solid #E8D4D4;
}
.pf-service-icon {
  width: 2.5rem;
  height: 2.5rem;
  font-size: 1.125rem;
}
.pf-services-dropdown .dropdown-item:hover .pf-service-icon,
.pf-services-dropdown .dropdown-item:focus .pf-service-icon {
  background-color: var(--pf-accent) !important;
}
@media (min-width: 992px) {
  .pf-services-dropdown {
    position: absolute;
    left: 0;
    right: 0;
  }
  /* Hover mega menu — fly in from top */
  .pf-services-mega.pf-services-mega--hover .pf-services-dropdown {
    display: block !important;
    visibility: hidden;
    opacity: 0;
    transform: translateY(-18px);
    pointer-events: none;
    transition:
      opacity 0.3s ease,
      transform 0.35s cubic-bezier(0.22, 1, 0.36, 1),
      visibility 0s linear 0.35s;
  }
  .pf-services-mega.pf-services-mega--hover.pf-services-mega--open .pf-services-dropdown {
    visibility: visible;
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
    z-index: 1040;
    transition:
      opacity 0.3s ease,
      transform 0.35s cubic-bezier(0.22, 1, 0.36, 1),
      visibility 0s linear 0s;
    box-shadow: 0 1rem 2.5rem rgba(69, 1, 2, 0.12);
  }
  .pf-services-mega.pf-services-mega--hover .pf-services-dropdown .row > [class*="col-"] {
    opacity: 0;
    transform: translateY(12px);
    transition: opacity 0.28s ease, transform 0.28s ease;
  }
  .pf-services-mega.pf-services-mega--hover.pf-services-mega--open .pf-services-dropdown .row > [class*="col-"] {
    opacity: 1;
    transform: translateY(0);
  }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(1) { transition-delay: 0.04s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(2) { transition-delay: 0.07s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(3) { transition-delay: 0.1s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(4) { transition-delay: 0.13s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(5) { transition-delay: 0.16s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(6) { transition-delay: 0.19s; }
}
@media (max-width: 991.98px) {
  .pf-services-dropdown {
    position: static !important;
    transform: none !important;
    box-shadow: none !important;
    background: transparent;
    border: none;
    padding: 0 0 0 0.5rem !important;
    max-height: none;
    overflow: visible;
    max-width: 100%;
  }
  .pf-services-dropdown .container {
    max-width: 100%;
    padding-left: 0;
    padding-right: 0;
  }
  .pf-services-mega .dropdown-menu {
    min-width: 0;
    width: 100% !important;
  }
  .pf-navbar .navbar-collapse.show {
    max-height: calc(100dvh - 4.5rem);
    overflow-x: clip;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    overscroll-behavior: contain;
  }
  /* Mobile: services visible when navbar is open — no second tap */
  .pf-services-mega .dropdown-toggle {
    background: transparent;
    border: 0;
  }
  .pf-services-mega.pf-services-mega--mobile .dropdown-toggle {
    cursor: pointer;
  }
  .pf-services-mega.pf-services-mega--mobile .dropdown-toggle::after {
    transition: transform 0.2s ease;
  }
  .pf-services-mega.pf-services-mega--mobile.pf-services-mega--open .dropdown-toggle::after {
    transform: rotate(180deg);
  }
  .pf-services-mega.pf-services-mega--mobile:not(.pf-services-mega--open) .pf-services-dropdown {
    display: none !important;
  }
  .pf-services-mega.pf-services-mega--mobile.pf-services-mega--open .pf-services-dropdown {
    display: block !important;
    animation: pfMobileMegaIn 0.28s ease both;
  }
  .pf-services-mega.pf-services-mega--mobile.pf-services-mega--open .pf-services-dropdown .row > [class*="col-"] {
    animation: pfMobileMegaItem 0.3s ease both;
  }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(1) { animation-delay: 0.03s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(2) { animation-delay: 0.05s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(3) { animation-delay: 0.07s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(4) { animation-delay: 0.09s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(5) { animation-delay: 0.11s; }
  .pf-services-mega--open .pf-services-dropdown .row > [class*="col-"]:nth-child(6) { animation-delay: 0.13s; }
  @keyframes pfMobileMegaIn {
    from { opacity: 0; transform: translateY(-8px); }
    to { opacity: 1; transform: translateY(0); }
  }
  @keyframes pfMobileMegaItem {
    from { opacity: 0; transform: translateY(6px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .pf-services-dropdown .dropdown-item {
    padding: 0.625rem 0.75rem;
  }
  .pf-service-icon {
    width: 2rem;
    height: 2rem;
    font-size: 1rem;
  }
}
.pf-navbar .btn-phone {
  color: var(--pf-primary);
  font-weight: 600;
  text-decoration: none;
  font-size: 0.875rem;
}
.pf-navbar .btn-phone:hover {
  color: var(--pf-cta-hover);
}

/* Navbar layout — logo dead center */
.pf-navbar__inner {
  position: relative;
  min-height: 52px;
}
.pf-navbar__brand {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  margin: 0;
  padding: 0;
  z-index: 2;
  line-height: 0;
}
@media (min-width: 992px) {
  .pf-navbar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
  }
  .pf-navbar__toggler {
    display: none;
  }
  .pf-navbar__nav {
    flex: 1 1 0;
    display: flex !important;
    justify-content: flex-start;
  }
  .pf-navbar__actions {
    flex: 1 1 0;
    display: flex;
    justify-content: flex-end;
  }
}
@media (max-width: 991.98px) {
  .pf-navbar__inner {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
  }
  .pf-navbar__toggler {
    order: 0;
    z-index: 3;
    margin-right: 0.5rem;
  }
  .pf-navbar__brand {
    position: static;
    transform: none;
    order: 1;
    flex: 1 1 auto;
    text-align: center;
    max-width: calc(100% - 3.5rem);
  }
  .pf-navbar__nav {
    flex-basis: 100%;
    margin-top: 0.75rem;
    order: 3;
  }
  .pf-services-mega .dropdown-toggle::after {
    margin-left: auto;
  }
}

/* Logo color filters */
.pf-navbar:not(.pf-navbar--overlay) .navbar-brand img,
.pf-navbar .navbar-brand img.pf-logo--primary {
  filter: brightness(0) saturate(100%) invert(11%) sepia(99%) saturate(4190%) hue-rotate(353deg) brightness(92%) contrast(104%);
}

#hero {
  scroll-margin-top: 72px;
}

/* Transparent overlay navbar (homepage hero) */
.pf-navbar.pf-navbar--overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1030;
  background: transparent;
  box-shadow: none;
}
.pf-navbar.pf-navbar--overlay .nav-link {
  color: #fff;
  text-transform: uppercase;
  font-weight: 500;
}
.pf-navbar.pf-navbar--overlay .nav-link:hover,
.pf-navbar.pf-navbar--overlay .nav-link.active {
  color: var(--pf-accent-light);
}
.pf-navbar.pf-navbar--overlay .navbar-brand img {
  filter: brightness(0) invert(1);
}
.pf-navbar.pf-navbar--overlay .btn-phone {
  color: #fff;
}
.pf-navbar.pf-navbar--overlay .btn-phone:hover {
  color: var(--pf-accent-light);
}
.pf-navbar.pf-navbar--overlay .btn-primary {
  background: transparent;
  border: none;
  color: #fff;
  text-transform: uppercase;
  font-size: 0.875rem;
  letter-spacing: 0.04em;
  padding: 0.5rem 0.75rem;
  box-shadow: none;
}
.pf-navbar.pf-navbar--overlay .btn-primary:hover {
  background: transparent;
  color: var(--pf-accent-light);
}
.pf-navbar.pf-navbar--overlay .navbar-toggler-icon {
  filter: invert(1);
}
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled {
  position: fixed;
  background: var(--pf-white);
  box-shadow: 0 1px 12px rgba(69, 1, 2, 0.08);
}
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled .nav-link {
  color: var(--pf-primary);
  text-transform: uppercase;
}
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled .nav-link:hover,
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled .nav-link.active {
  color: var(--pf-cta-hover);
}
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled .navbar-brand img {
  filter: brightness(0) saturate(100%) invert(11%) sepia(99%) saturate(4190%) hue-rotate(353deg) brightness(92%) contrast(104%);
}
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled .btn-phone {
  color: var(--pf-primary);
}
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled .btn-primary {
  background: var(--pf-cta-hover);
  border-color: var(--pf-cta-hover);
  color: #fff;
}
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled .btn-primary:hover {
  background: var(--pf-primary);
  border-color: var(--pf-primary);
}
.pf-navbar.pf-navbar--overlay.pf-navbar--scrolled .navbar-toggler-icon {
  filter: none;
}
@media (max-width: 991.98px) {
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .navbar-collapse {
    background: rgba(36, 5, 6, 0.92);
    border-radius: 12px;
    padding: 1rem;
    margin-top: 0.75rem;
  }
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .dropdown-menu {
    background: rgba(255, 255, 255, 0.08);
    border: none;
  }
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .dropdown-item {
    color: #fff;
  }
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .dropdown-item:hover,
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .dropdown-item:focus {
    background: rgba(255, 255, 255, 0.12);
    color: var(--pf-accent-light);
  }
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .dropdown-item .text-muted {
    color: rgba(255, 255, 255, 0.75) !important;
  }
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .pf-services-dropdown {
    background: transparent;
  }
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .pf-service-icon {
    background: rgba(255, 255, 255, 0.12) !important;
    color: var(--pf-accent-light) !important;
  }
}


/* Hero */
.pf-hero {
  min-height: 100vh;
  background-color: #240506;
  background-size: cover;
  background-position: center;
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  max-width: 100%;
}
.pf-hero__video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  z-index: 0;
  pointer-events: none;
}
.pf-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(to right, rgba(36,5,6,0.75) 0%, rgba(36,5,6,0.45) 40%, rgba(36,5,6,0.1) 100%);
}
.pf-hero .container {
  position: relative;
  z-index: 2;
}
.pf-hero h1 {
  color: #fff;
  font-size: clamp(2rem, 5vw, 3.5rem);
  font-weight: 700;
  line-height: 1.2;
}
.pf-hero .lead {
  color: var(--pf-accent-light);
  font-size: 1.1rem;
}


/* Feature avatars */
.pf-avatar-stack img {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: 3px solid #fff;
  margin-left: -12px;
}
.pf-avatar-stack img:first-child {
  margin-left: 0;
}

/* Steps */
.pf-step-num {
  font-size: 3rem;
  font-weight: 800;
  color: var(--pf-accent);
  line-height: 1;
}


/* CTA banner — use .bg-pf-cta utility */

/* Loan disclaimer — below CTA, above footer */
.pf-loan-disclaimer {
  position: relative;
  background: var(--pf-surface);
  border-top: 3px solid var(--pf-accent);
  border-bottom: 3px solid var(--pf-primary-dark);
  box-shadow:
    0 -6px 16px rgba(36, 5, 6, 0.14),
    0 6px 16px rgba(36, 5, 6, 0.14);
  padding-left: env(safe-area-inset-left);
  padding-right: env(safe-area-inset-right);
}
.bg-pf-cta + .pf-loan-disclaimer {
  border-top-color: #fff;
}
.pf-loan-disclaimer__text {
  position: relative;
  z-index: 1;
  font-size: clamp(0.6875rem, 2.1vw, 0.8125rem);
  line-height: 1.7;
  color: var(--pf-secondary);
  font-style: italic;
  text-align: center;
  max-width: 52rem;
  margin-inline: auto;
  text-wrap: pretty;
}
@media (max-width: 575.98px) {
  .pf-loan-disclaimer__text {
    text-align: left;
    line-height: 1.65;
  }
}
@media (min-width: 1400px) {
  .pf-loan-disclaimer__text {
    max-width: 58rem;
  }
}

/* Blog cards */
.pf-blog-card img {
  height: 200px;
  object-fit: cover;
}
.pf-blog-meta {
  font-size: 0.875rem;
  color: #666;
}
.pf-blog-meta a {
  color: var(--pf-cta-hover);
  text-decoration: none;
}


/* Accordion — Bootstrap 5.3 local CSS variables + theme */
.accordion {
  --bs-accordion-bg: var(--pf-white);
  --bs-accordion-btn-bg: var(--pf-white);
  --bs-accordion-btn-color: var(--pf-primary);
  --bs-accordion-active-bg: var(--pf-accent-light);
  --bs-accordion-active-color: var(--pf-primary);
  --bs-accordion-border-color: rgba(69, 1, 2, 0.12);
}
.accordion-button {
  font-weight: 600;
  color: var(--pf-primary);
  white-space: normal;
  word-wrap: break-word;
}
.accordion-button:not(.collapsed) {
  background-color: var(--pf-accent-light);
  color: var(--pf-primary);
}

/* Testimonials */
#testimonialCarousel {
  overflow: hidden;
}
.stars {
  color: #ffc107;
}

.bg-primary.text-white h1,
.bg-primary.text-white .pf-heading {
  font-weight: 700;
  font-size: clamp(1.75rem, 4vw, 2.75rem);
}
.bg-primary.text-white .lead {
  opacity: 0.85;
}
.bg-primary.text-white .pf-footer-brand img,
.bg-primary .pf-footer-brand img {
  max-width: 180px;
  margin-bottom: 1rem;
}

/* Archive */
.pf-archive-card .card-img-top {
  height: 180px;
  object-fit: cover;
}

/* Pricing */
.pf-pricing-card {
  border: 2px solid transparent;
  border-radius: 16px;
}
.pf-pricing-card.featured {
  border-color: var(--pf-primary);
  transform: scale(1.03);
}

/* Contact */
.pf-contact-icon {
  width: 48px;
  height: 48px;
  background: var(--pf-surface);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--pf-primary);
  flex-shrink: 0;
}
.pf-contact-icon--line {
  background: #e8f9ef;
  color: #06c755;
}
.pf-line-qr {
  display: inline-block;
  max-width: 100%;
  padding: clamp(0.5rem, 2vw, 0.75rem);
  background: #fff;
  border-radius: 0.75rem;
  box-shadow: 0 2px 14px rgba(0, 0, 0, 0.08);
  border: 1px solid rgba(0, 0, 0, 0.06);
  line-height: 0;
}
.pf-line-qr--zoom {
  position: relative;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  -webkit-tap-highlight-color: transparent;
}
.pf-line-qr--zoom:hover,
.pf-line-qr--zoom:focus-visible {
  transform: scale(1.02);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.12);
}
.pf-line-qr--zoom:focus-visible {
  outline: 2px solid #06c755;
  outline-offset: 3px;
}
.pf-line-qr--zoom:active {
  transform: scale(0.98);
}
.pf-line-qr__zoom {
  position: absolute;
  right: clamp(0.5rem, 2vw, 0.75rem);
  bottom: clamp(0.5rem, 2vw, 0.75rem);
  width: 28px;
  height: 28px;
  background: rgba(0, 0, 0, 0.55);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  line-height: 1;
  pointer-events: none;
}
.pf-line-qr img {
  display: block;
  width: clamp(128px, min(42vw, 180px), 180px);
  max-width: 100%;
  height: auto;
  aspect-ratio: 1;
  border-radius: 0.375rem;
}
.pf-line-qr-modal .modal-dialog {
  max-width: min(92vw, 380px);
  margin-left: auto;
  margin-right: auto;
}
.pf-line-qr-modal__img {
  display: block;
  width: min(72vw, 300px);
  max-width: 100%;
  height: auto;
  aspect-ratio: 1;
  margin: 0 auto;
  border-radius: 0.5rem;
}
@media (max-width: 575.98px) {
  .pf-line-qr {
    width: min(100%, 200px);
  }
  .pf-line-qr-modal__img {
    width: min(68vw, 280px);
  }
}

/* Blog post content */
.pf-post-content h2 {
  font-size: 1.35rem;
  font-weight: 700;
  margin-top: 2rem;
  margin-bottom: 1rem;
  color: var(--pf-primary);
}
.pf-post-content p {
  line-height: 1.8;
  margin-bottom: 1rem;
}
.pf-post-content ul {
  padding-left: 1.25rem;
  margin-bottom: 1.5rem;
}
.pf-post-content li {
  margin-bottom: 0.5rem;
}

/* Mortgage calculator */
.pf-calc-picker__card {
  width: 100%;
  text-align: left;
  border: 2px solid #E8D4D4;
  border-radius: 12px;
  padding: 1rem 1.125rem;
  background: var(--pf-white);
  color: var(--pf-primary);
  transition: border-color 0.2s ease, background 0.2s ease, box-shadow 0.2s ease;
  height: 100%;
}
.pf-calc-picker__card:hover {
  border-color: var(--pf-accent);
  background: var(--pf-surface);
}
.pf-calc-picker__card.active {
  border-color: var(--pf-primary);
  background: var(--pf-surface);
  box-shadow: 0 4px 16px rgba(69, 1, 2, 0.1);
}
.pf-calc-picker__icon {
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 8px;
  background: var(--pf-surface);
  color: var(--pf-cta-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.125rem;
  margin-bottom: 0.625rem;
}
.pf-calc-picker__card.active .pf-calc-picker__icon {
  background: var(--pf-primary);
  color: #fff;
}
.pf-calc-picker__card strong {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  line-height: 1.35;
  margin-bottom: 0.25rem;
}
.pf-calc-picker__card small {
  display: block;
  font-size: 0.75rem;
  color: #777;
  line-height: 1.4;
}
.pf-calc-intro {
  color: #555;
  font-size: 0.9375rem;
  margin-bottom: 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid #E8D4D4;
}
.pf-calc-panel {
  background: var(--pf-white);
  border-radius: 16px;
  box-shadow: 0 4px 24px rgba(69, 1, 2, 0.08);
  padding: 2rem;
}
.pf-calc-panel .form-label {
  font-weight: 600;
  color: var(--pf-primary);
  font-size: 0.875rem;
}
.pf-calc-panel .form-control,
.pf-calc-panel .form-select {
  border-radius: 8px;
  border-color: #E8D4D4;
  padding: 0.65rem 0.875rem;
}
.pf-calc-panel .form-control:focus,
.pf-calc-panel .form-select:focus {
  border-color: var(--pf-cta-hover);
  box-shadow: 0 0 0 0.2rem rgba(139, 26, 24, 0.15);
}
.pf-calc-input-group .input-group-text {
  background: var(--pf-surface);
  border-color: #E8D4D4;
  color: var(--pf-primary);
  font-weight: 600;
  border-radius: 8px 0 0 8px;
}
.pf-calc-input-group .form-control {
  border-radius: 0 8px 8px 0;
}
.pf-calc-result {
  background: var(--pf-surface);
  border-radius: 12px;
  padding: 1.5rem;
  text-align: center;
  height: 100%;
}
.pf-calc-result__label {
  font-size: 0.8125rem;
  color: #666;
  margin-bottom: 0.35rem;
}
.pf-calc-result__value {
  font-size: clamp(1.25rem, 3vw, 1.75rem);
  font-weight: 700;
  color: var(--pf-cta-hover);
  line-height: 1.2;
}
.pf-calc-result--highlight {
  background: var(--pf-primary);
}
.pf-calc-result--highlight .pf-calc-result__label {
  color: var(--pf-accent);
}
.pf-calc-result--highlight .pf-calc-result__value {
  color: #fff;
}
.pf-calc-table-wrap {
  overflow-x: auto;
  margin-top: 1.5rem;
  border-radius: 12px;
  border: 1px solid #E8D4D4;
}
.pf-calc-table {
  width: 100%;
  margin-bottom: 0;
  font-size: 0.875rem;
  white-space: nowrap;
}
.pf-calc-table thead th {
  background: var(--pf-primary);
  color: #fff;
  font-weight: 600;
  padding: 0.75rem 1rem;
  text-align: center;
  border: none;
}
.pf-calc-table thead th:first-child {
  text-align: left;
  position: sticky;
  left: 0;
  z-index: 2;
}
.pf-calc-table tbody th {
  background: var(--pf-surface);
  color: var(--pf-primary);
  font-weight: 600;
  padding: 0.65rem 1rem;
  position: sticky;
  left: 0;
  z-index: 1;
  border-bottom: 1px solid #E8D4D4;
}
.pf-calc-table tbody td {
  padding: 0.65rem 1rem;
  text-align: center;
  border-bottom: 1px solid #E8D4D4;
  color: #333;
}
.pf-calc-table tbody tr:hover td {
  background: rgba(232, 196, 195, 0.25);
}
.pf-calc-disclaimer {
  font-size: 0.8125rem;
  color: #888;
  margin-top: 1.25rem;
  margin-bottom: 0;
}
@media (max-width: 575.98px) {
  .pf-calc-panel {
    padding: 1.25rem;
  }
}

/* 404 */
.pf-404 {
  min-height: 60vh;
  display: flex;
  align-items: center;
  text-align: center;
}
.pf-404 h1 {
  font-size: 8rem;
  font-weight: 800;
  color: var(--pf-accent);
  line-height: 1;
}

@media (max-width: 991.98px) {
  .pf-hero {
    min-height: 70vh;
    padding: 3rem 0;
  }
  .py-5 {
    padding-top: 3rem !important;
    padding-bottom: 3rem !important;
  }
  .pf-pricing-card.featured {
    transform: none;
  }
  .pf-calc-picker__card strong {
    font-size: 0.75rem;
  }
  .pf-calc-picker__card small {
    font-size: 0.6875rem;
  }
  #testimonialCarousel {
    padding-left: 0;
    padding-right: 0;
  }
  #testimonialCarousel .carousel-control-prev,
  #testimonialCarousel .carousel-control-next {
    width: 2rem;
    height: 2rem;
    top: 50%;
    transform: translateY(-50%);
    opacity: 0.85;
  }
  #testimonialCarousel .carousel-control-prev {
    left: 0.25rem;
  }
  #testimonialCarousel .carousel-control-next {
    right: 0.25rem;
  }
  .border-top.border-white .col-md-6 a {
    display: inline-block;
    margin-bottom: 0.35rem;
  }
}

@media (max-width: 575.98px) {
  .container {
    padding-left: 1rem;
    padding-right: 1rem;
  }
  .row {
    --bs-gutter-x: 1rem;
  }
  .border-top.border-white .col-md-6 {
    text-align: center !important;
  }
  .border-top.border-white .col-md-6 a {
    display: block;
    margin-right: 0 !important;
  }
  .pf-navbar .nav-link {
    padding: 0.45rem 0.75rem !important;
    font-size: 0.8125rem;
  }
  .pf-heading {
    font-size: 1.5rem;
  }
  .bg-primary.text-white h1 {
    font-size: 1.625rem;
  }
  .pf-hero h1 {
    font-size: 1.75rem;
  }
  .pf-step-num {
    font-size: 2.25rem;
  }
  .pf-404 h1 {
    font-size: 5rem;
  }
  .pf-avatar-stack img {
    width: 40px;
    height: 40px;
    margin-left: -10px;
  }
  .pf-navbar__mobile-actions {
    border-color: rgba(69, 1, 2, 0.12) !important;
  }
  .pf-navbar.pf-navbar--overlay:not(.pf-navbar--scrolled) .pf-navbar__mobile-actions {
    border-color: rgba(255, 255, 255, 0.2) !important;
  }
}

/* Privacy / legal pages */
.pf-legal-hero {
  background: linear-gradient(135deg, var(--pf-primary) 0%, #5a0016 100%);
  position: relative;
  overflow: hidden;
}

.pf-legal-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 85% 20%, rgba(255, 255, 255, 0.08) 0%, transparent 45%);
  pointer-events: none;
}

.pf-legal-hero .container {
  position: relative;
  z-index: 1;
}

.pf-legal-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 0.85rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  font-size: 0.8125rem;
  font-weight: 500;
}

.pf-legal-intro {
  border-left: 4px solid var(--pf-accent);
  background: #fff;
  border-radius: 0.75rem;
  box-shadow: 0 0.25rem 1.25rem rgba(69, 1, 2, 0.06);
}

.pf-legal-nav {
  position: sticky;
  top: 5.5rem;
}

.pf-legal-nav .nav-link {
  color: #333;
  font-size: 0.875rem;
  padding: 0.45rem 0.75rem;
  border-radius: 0.5rem;
  border-left: 3px solid transparent;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}

.pf-legal-nav .nav-link:hover,
.pf-legal-nav .nav-link:focus {
  background: rgba(128, 1, 31, 0.06);
  color: var(--pf-primary);
}

.pf-legal-nav .nav-link.active {
  background: rgba(128, 1, 31, 0.08);
  color: var(--pf-primary);
  font-weight: 600;
  border-left-color: var(--pf-primary);
}

.pf-legal-section {
  scroll-margin-top: 6rem;
}

.pf-legal-section .card {
  border: 1px solid rgba(69, 1, 2, 0.08);
}

.pf-legal-section-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  border-radius: 0.5rem;
  background: var(--pf-primary);
  color: #fff;
  font-size: 0.8125rem;
  font-weight: 700;
  flex-shrink: 0;
}

.pf-legal-list li {
  position: relative;
  padding-left: 1.25rem;
  margin-bottom: 0.5rem;
}

.pf-legal-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 0.4rem;
  height: 0.4rem;
  border-radius: 50%;
  background: var(--pf-accent);
}

.pf-legal-subtitle {
  color: var(--pf-primary);
  font-weight: 600;
  font-size: 0.9375rem;
  margin-top: 1rem;
  margin-bottom: 0.5rem;
}

.pf-legal-contact {
  background: linear-gradient(135deg, rgba(128, 1, 31, 0.04) 0%, rgba(128, 1, 31, 0.08) 100%);
  border: 1px solid rgba(128, 1, 31, 0.12);
  border-radius: 0.75rem;
}

@media (max-width: 991.98px) {
  .pf-legal-nav {
    position: static;
    margin-bottom: 1.5rem;
  }

  .pf-legal-nav .nav {
    flex-direction: row !important;
    flex-wrap: nowrap;
    overflow-x: auto;
    padding-bottom: 0.25rem;
    gap: 0.25rem;
    -webkit-overflow-scrolling: touch;
  }

  .pf-legal-nav .nav-link {
    white-space: nowrap;
    border-left: none;
    border-bottom: 2px solid transparent;
  }

  .pf-legal-nav .nav-link.active {
    border-left-color: transparent;
    border-bottom-color: var(--pf-primary);
  }
}