/* ==========================================================================
   Money Journey Hub — main stylesheet
   Palette: deep navy #0A1F3C · teal #00B39B · emerald #12D48B · gold #F5B301
            coral #FF6B4A · lilac #6C5CE7 · mist #F2F7FB
   ========================================================================== */

:root {
  --mjh-navy: #0a1f3c;
  --mjh-navy-2: #102c52;
  --mjh-navy-3: #16375f;
  --mjh-teal: #00b39b;
  --mjh-emerald: #12d48b;
  --mjh-gold: #f5b301;
  --mjh-coral: #ff6b4a;
  --mjh-lilac: #6c5ce7;
  --mjh-sky: #2aa9ff;
  --mjh-mist: #f2f7fb;
  --mjh-mist-2: #eaf3f8;
  --mjh-ink: #16233a;
  --mjh-muted: #5d6b82;
  --mjh-line: #dfe8f1;
  --mjh-white: #ffffff;
  --mjh-radius: 18px;
  --mjh-radius-sm: 12px;
  --mjh-shadow: 0 18px 45px rgba(10, 31, 60, 0.1);
  --mjh-shadow-lg: 0 30px 70px rgba(10, 31, 60, 0.18);
  --mjh-grad: linear-gradient(120deg, var(--mjh-teal) 0%, var(--mjh-emerald) 55%, #7ce7b4 100%);
  --mjh-grad-warm: linear-gradient(120deg, var(--mjh-gold) 0%, #ffd166 100%);
  --mjh-grad-cool: linear-gradient(120deg, var(--mjh-lilac) 0%, var(--mjh-sky) 100%);
  --mjh-font: 'Plus Jakarta Sans', 'Segoe UI', system-ui, -apple-system, sans-serif;
}

/* --------------------------------- base ---------------------------------- */

* {
  -webkit-tap-highlight-color: transparent;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--mjh-font);
  color: var(--mjh-ink);
  background: var(--mjh-white);
  font-size: 16.5px;
  line-height: 1.75;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6,
.h1, .h2, .h3, .h4, .h5, .h6 {
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.2;
  color: var(--mjh-navy);
}

p {
  color: var(--mjh-muted);
}

a {
  color: var(--mjh-teal);
  text-decoration: none;
  transition: color 0.25s ease;
}

a:hover {
  color: var(--mjh-emerald);
}

img, svg {
  max-width: 100%;
}

section {
  position: relative;
}

.section {
  padding: 96px 0;
}

.section-sm {
  padding: 70px 0;
}

.bg-mist {
  background: var(--mjh-mist);
}

.bg-navy {
  background: var(--mjh-navy);
}

.bg-white-soft {
  background: linear-gradient(180deg, #ffffff 0%, #f6fbfd 100%);
}

.container-wide {
  max-width: 1240px;
}

/* ------------------------------ eyebrow/tag ------------------------------ */

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-size: 12.5px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--mjh-teal);
  background: rgba(0, 179, 155, 0.1);
  border: 1px solid rgba(0, 179, 155, 0.22);
  padding: 7px 16px;
  border-radius: 999px;
  margin-bottom: 18px;
}

.eyebrow .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--mjh-emerald);
  box-shadow: 0 0 0 4px rgba(18, 212, 139, 0.22);
}

.eyebrow.on-dark {
  color: #8ff0d6;
  background: rgba(18, 212, 139, 0.12);
  border-color: rgba(18, 212, 139, 0.3);
}

.section-title {
  font-size: clamp(1.9rem, 3.4vw, 2.85rem);
  margin-bottom: 16px;
}

.section-lead {
  font-size: 1.06rem;
  max-width: 720px;
  margin: 0 auto;
}

.title-accent {
  position: relative;
  display: inline-block;
}

.title-accent::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 4px;
  height: 10px;
  background: rgba(245, 179, 1, 0.35);
  border-radius: 6px;
  z-index: -1;
}

.grad-text {
  background: var(--mjh-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}

/* -------------------------------- buttons -------------------------------- */

.btn {
  font-family: var(--mjh-font);
  font-weight: 700;
  border-radius: 999px;
  padding: 13px 28px;
  letter-spacing: 0.01em;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease,
    color 0.25s ease, border-color 0.25s ease;
}

.btn:active {
  transform: translateY(1px) scale(0.99);
}

.btn-primary-mjh {
  background: var(--mjh-grad);
  color: #04231d;
  border: none;
  box-shadow: 0 14px 30px rgba(0, 179, 155, 0.32);
}

.btn-primary-mjh:hover,
.btn-primary-mjh:focus {
  color: #04231d;
  transform: translateY(-3px);
  box-shadow: 0 20px 40px rgba(0, 179, 155, 0.42);
}

.btn-gold {
  background: var(--mjh-grad-warm);
  color: #40300a;
  border: none;
  box-shadow: 0 14px 30px rgba(245, 179, 1, 0.3);
}

.btn-gold:hover {
  color: #40300a;
  transform: translateY(-3px);
  box-shadow: 0 20px 40px rgba(245, 179, 1, 0.4);
}

.btn-outline-light-mjh {
  border: 1.5px solid rgba(255, 255, 255, 0.45);
  color: #fff;
  background: rgba(255, 255, 255, 0.06);
  backdrop-filter: blur(6px);
}

.btn-outline-light-mjh:hover {
  background: #fff;
  color: var(--mjh-navy);
  border-color: #fff;
  transform: translateY(-3px);
}

.btn-outline-navy {
  border: 1.5px solid var(--mjh-navy);
  color: var(--mjh-navy);
  background: transparent;
}

.btn-outline-navy:hover {
  background: var(--mjh-navy);
  color: #fff;
  transform: translateY(-3px);
}

.btn-outline-teal {
  border: 1.5px solid rgba(0, 179, 155, 0.5);
  color: var(--mjh-teal);
  background: rgba(0, 179, 155, 0.06);
}

.btn-outline-teal:hover {
  background: var(--mjh-teal);
  border-color: var(--mjh-teal);
  color: #04231d;
  transform: translateY(-3px);
}

.btn-sm-mjh {
  padding: 9px 20px;
  font-size: 0.88rem;
}

.btn-lg-mjh {
  padding: 16px 34px;
  font-size: 1.02rem;
}

/* --------------------------------- logo ---------------------------------- */
/* One line: mark + wordmark, identical typographic style */

.mjh-logo {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  white-space: nowrap;
  line-height: 1;
  text-decoration: none;
}

.mjh-logo__mark {
  width: 40px;
  height: 40px;
  flex: 0 0 40px;
  border-radius: 12px;
  background: var(--mjh-grad);
  display: grid;
  place-items: center;
  box-shadow: 0 8px 20px rgba(0, 179, 155, 0.35);
}

.mjh-logo__mark svg {
  width: 23px;
  height: 23px;
}

.mjh-logo__text {
  font-family: var(--mjh-font);
  font-size: 1.28rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  display: inline-flex;
  align-items: baseline;
  gap: 0.22em;
  color: var(--mjh-navy);
}

.mjh-logo__text .w1 {
  background: var(--mjh-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.mjh-logo.on-dark .mjh-logo__text {
  color: #fff;
}

.mjh-logo.on-dark .mjh-logo__text .w1 {
  background: var(--mjh-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.mjh-logo:hover {
  opacity: 0.92;
}

/* --------------------------------- navbar -------------------------------- */

.mjh-topbar {
  background: var(--mjh-navy);
  color: #cfe0ef;
  font-size: 13.2px;
  padding: 9px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.mjh-topbar a {
  color: #cfe0ef;
}

.mjh-topbar a:hover {
  color: var(--mjh-emerald);
}

.mjh-topbar .sep {
  opacity: 0.35;
  margin: 0 12px;
}

.mjh-topbar svg {
  width: 14px;
  height: 14px;
  margin-right: 6px;
  vertical-align: -2px;
  fill: var(--mjh-emerald);
}

.navbar-mjh {
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
  padding: 14px 0;
  transition: box-shadow 0.3s ease, padding 0.3s ease, background 0.3s ease;
  border-bottom: 1px solid transparent;
  z-index: 1040;
}

.navbar-mjh.is-sticky {
  box-shadow: 0 10px 34px rgba(10, 31, 60, 0.1);
  padding: 9px 0;
  border-bottom-color: var(--mjh-line);
}

.navbar-mjh .navbar-nav .nav-link {
  color: var(--mjh-navy);
  font-weight: 600;
  font-size: 15.2px;
  padding: 8px 15px !important;
  position: relative;
}

.navbar-mjh .navbar-nav .nav-link::after {
  content: '';
  position: absolute;
  left: 15px;
  right: 15px;
  bottom: 2px;
  height: 2px;
  border-radius: 2px;
  background: var(--mjh-grad);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}

.navbar-mjh .navbar-nav .nav-link:hover::after,
.navbar-mjh .navbar-nav .nav-link.active::after {
  transform: scaleX(1);
}

.navbar-mjh .navbar-nav .nav-link.active {
  color: var(--mjh-teal);
}

.navbar-mjh .navbar-toggler {
  border: 1px solid var(--mjh-line);
  padding: 6px 10px;
}

.navbar-mjh .navbar-toggler:focus {
  box-shadow: none;
}

.nav-cta {
  margin-left: 8px;
}

/* ---------------------------------- hero --------------------------------- */

.hero {
  position: relative;
  background:
    radial-gradient(1100px 620px at 88% -8%, rgba(0, 179, 155, 0.35), transparent 62%),
    radial-gradient(760px 520px at 4% 106%, rgba(108, 92, 231, 0.32), transparent 60%),
    radial-gradient(600px 400px at 60% 120%, rgba(245, 179, 1, 0.18), transparent 60%),
    linear-gradient(160deg, #071729 0%, #0a1f3c 45%, #102c52 100%);
  color: #eaf2fa;
  overflow: hidden;
  padding: 108px 0 120px;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.045) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(circle at 50% 30%, #000 0%, transparent 72%);
  -webkit-mask-image: radial-gradient(circle at 50% 30%, #000 0%, transparent 72%);
  pointer-events: none;
}

.hero > .container {
  position: relative;
  z-index: 2;
}

.hero h1 {
  color: #fff;
  font-size: clamp(2.35rem, 5vw, 3.85rem);
  letter-spacing: -0.03em;
}

.hero .hero-lead {
  color: #c3d4e6;
  font-size: 1.1rem;
  max-width: 560px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #d8e8f5;
  border-radius: 999px;
  padding: 8px 18px;
  font-size: 13.4px;
  font-weight: 600;
  margin-bottom: 22px;
  backdrop-filter: blur(6px);
}

.hero-badge .pulse {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--mjh-emerald);
  box-shadow: 0 0 0 0 rgba(18, 212, 139, 0.7);
  animation: mjhPulse 2.2s infinite;
}

@keyframes mjhPulse {
  0% { box-shadow: 0 0 0 0 rgba(18, 212, 139, 0.65); }
  70% { box-shadow: 0 0 0 12px rgba(18, 212, 139, 0); }
  100% { box-shadow: 0 0 0 0 rgba(18, 212, 139, 0); }
}

.hero-checks {
  list-style: none;
  padding: 0;
  margin: 26px 0 0;
}

.hero-checks li {
  display: flex;
  align-items: center;
  gap: 11px;
  color: #cfe0ef;
  font-size: 15px;
  margin-bottom: 10px;
}

.hero-checks svg {
  width: 19px;
  height: 19px;
  flex: 0 0 19px;
  fill: var(--mjh-emerald);
}

/* Hero visual card */
.hero-visual {
  position: relative;
}

.hero-card {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 26px;
  padding: 26px;
  backdrop-filter: blur(14px);
  box-shadow: 0 40px 80px rgba(0, 0, 0, 0.35);
}

.hero-card__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}

.hero-card__head .label {
  font-size: 12.4px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #9fb6cd;
  font-weight: 700;
}

.hero-card__amount {
  color: #fff;
  font-size: 2.5rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1;
}

.hero-card__delta {
  color: var(--mjh-emerald);
  font-size: 13.6px;
  font-weight: 700;
}

.hero-chart {
  width: 100%;
  height: 150px;
  margin: 6px 0 18px;
}

.hero-mini {
  display: flex;
  gap: 12px;
}

.hero-mini__item {
  flex: 1;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 16px;
  padding: 13px 15px;
}

.hero-mini__item .k {
  font-size: 11.6px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #9fb6cd;
  font-weight: 700;
}

.hero-mini__item .v {
  color: #fff;
  font-weight: 800;
  font-size: 1.06rem;
}

.float-chip {
  position: absolute;
  background: #fff;
  color: var(--mjh-navy);
  border-radius: 16px;
  padding: 12px 16px;
  box-shadow: 0 22px 45px rgba(0, 0, 0, 0.28);
  display: flex;
  align-items: center;
  gap: 11px;
  font-weight: 700;
  font-size: 14px;
  animation: mjhFloat 6s ease-in-out infinite;
}

.float-chip .ic {
  width: 34px;
  height: 34px;
  border-radius: 11px;
  display: grid;
  place-items: center;
}

.float-chip .ic svg {
  width: 18px;
  height: 18px;
}

.float-chip small {
  display: block;
  font-weight: 600;
  font-size: 11.6px;
  color: var(--mjh-muted);
}

.chip-a {
  top: -26px;
  left: -18px;
}

.chip-a .ic {
  background: rgba(18, 212, 139, 0.15);
}

.chip-a .ic svg { fill: var(--mjh-teal); }

.chip-b {
  bottom: -24px;
  right: -10px;
  animation-delay: 1.6s;
}

.chip-b .ic {
  background: rgba(245, 179, 1, 0.18);
}

.chip-b .ic svg { fill: #d99b00; }

@keyframes mjhFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-13px); }
}

/* trust strip */
.trust-strip {
  background: #fff;
  border-bottom: 1px solid var(--mjh-line);
  padding: 26px 0;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--mjh-muted);
  font-weight: 700;
  font-size: 14.4px;
}

.trust-item svg {
  width: 22px;
  height: 22px;
  fill: var(--mjh-teal);
  flex: 0 0 22px;
}

/* -------------------------------- counters ------------------------------- */

.stat-band {
  background:
    radial-gradient(700px 300px at 12% 0%, rgba(0, 179, 155, 0.28), transparent 60%),
    linear-gradient(120deg, #0a1f3c 0%, #123358 60%, #0d2745 100%);
  color: #fff;
  padding: 62px 0;
}

.stat-item {
  text-align: center;
  padding: 10px;
}

.stat-item .num {
  font-size: clamp(2rem, 4vw, 2.9rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  background: var(--mjh-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  line-height: 1.1;
}

.stat-item .lbl {
  color: #b9cde0;
  font-size: 14.2px;
  font-weight: 600;
  margin-top: 4px;
}

/* --------------------------------- cards --------------------------------- */

.mjh-card {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: var(--mjh-radius);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease;
  box-shadow: 0 6px 20px rgba(10, 31, 60, 0.05);
}

.mjh-card:hover {
  transform: translateY(-9px);
  box-shadow: var(--mjh-shadow-lg);
  border-color: rgba(0, 179, 155, 0.35);
}

.mjh-card__media {
  position: relative;
  height: 178px;
  overflow: hidden;
}

.mjh-card__media svg {
  width: 100%;
  height: 100%;
  display: block;
  transition: transform 0.6s ease;
}

.mjh-card:hover .mjh-card__media svg {
  transform: scale(1.07);
}

.mjh-card__tag {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(255, 255, 255, 0.93);
  color: var(--mjh-navy);
  font-size: 11.4px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 6px 12px;
  border-radius: 999px;
  backdrop-filter: blur(4px);
}

.mjh-card__body {
  padding: 24px 24px 26px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.mjh-card__body h3 {
  font-size: 1.24rem;
  margin-bottom: 10px;
}

.mjh-card__body p {
  font-size: 15px;
  margin-bottom: 18px;
  flex: 1;
}

.mjh-card__list {
  list-style: none;
  padding: 0;
  margin: 0 0 20px;
}

.mjh-card__list li {
  font-size: 14.2px;
  color: var(--mjh-muted);
  display: flex;
  gap: 9px;
  align-items: flex-start;
  margin-bottom: 7px;
}

.mjh-card__list li::before {
  content: '';
  width: 7px;
  height: 7px;
  margin-top: 9px;
  border-radius: 50%;
  background: var(--mjh-emerald);
  flex: 0 0 7px;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 14.6px;
  color: var(--mjh-navy);
  align-self: flex-start;
  border: 1.5px solid var(--mjh-line);
  border-radius: 999px;
  padding: 9px 20px;
  transition: all 0.28s ease;
}

.card-link svg {
  width: 15px;
  height: 15px;
  fill: currentColor;
  transition: transform 0.28s ease;
}

.card-link:hover {
  background: var(--mjh-grad);
  border-color: transparent;
  color: #04231d;
}

.card-link:hover svg {
  transform: translateX(4px);
}

/* tinted card variants */
.tint-teal { background: linear-gradient(135deg, #e6fbf6, #ffffff 62%); }
.tint-gold { background: linear-gradient(135deg, #fff7e2, #ffffff 62%); }
.tint-lilac { background: linear-gradient(135deg, #eeeaff, #ffffff 62%); }
.tint-coral { background: linear-gradient(135deg, #ffeee9, #ffffff 62%); }
.tint-sky { background: linear-gradient(135deg, #e6f3ff, #ffffff 62%); }
.tint-mint { background: linear-gradient(135deg, #e3fbef, #ffffff 62%); }

/* feature tile (icon cards) */
.feature-tile {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: var(--mjh-radius);
  padding: 30px 26px;
  height: 100%;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  position: relative;
  overflow: hidden;
}

.feature-tile::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: var(--mjh-grad);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}

.feature-tile:hover {
  transform: translateY(-7px);
  box-shadow: var(--mjh-shadow);
}

.feature-tile:hover::before {
  transform: scaleX(1);
}

.feature-tile .ic {
  width: 58px;
  height: 58px;
  border-radius: 17px;
  display: grid;
  place-items: center;
  margin-bottom: 18px;
}

.feature-tile .ic svg {
  width: 27px;
  height: 27px;
}

.feature-tile h3 {
  font-size: 1.14rem;
  margin-bottom: 9px;
}

.feature-tile p {
  font-size: 14.8px;
  margin-bottom: 0;
}

.ic-teal { background: rgba(0, 179, 155, 0.13); }
.ic-teal svg { fill: var(--mjh-teal); }
.ic-gold { background: rgba(245, 179, 1, 0.16); }
.ic-gold svg { fill: #d99b00; }
.ic-lilac { background: rgba(108, 92, 231, 0.13); }
.ic-lilac svg { fill: var(--mjh-lilac); }
.ic-coral { background: rgba(255, 107, 74, 0.14); }
.ic-coral svg { fill: var(--mjh-coral); }
.ic-sky { background: rgba(42, 169, 255, 0.14); }
.ic-sky svg { fill: var(--mjh-sky); }
.ic-mint { background: rgba(18, 212, 139, 0.15); }
.ic-mint svg { fill: #0ea96c; }

/* ------------------------------ split/about ------------------------------ */

.split-media {
  position: relative;
}

.split-media__frame {
  border-radius: 26px;
  overflow: hidden;
  box-shadow: var(--mjh-shadow-lg);
  border: 1px solid var(--mjh-line);
}

.split-media__frame svg {
  display: block;
  width: 100%;
  height: auto;
}

.split-badge {
  position: absolute;
  bottom: -22px;
  right: -14px;
  background: #fff;
  border-radius: 20px;
  padding: 18px 22px;
  box-shadow: var(--mjh-shadow);
  display: flex;
  align-items: center;
  gap: 14px;
}

.split-badge .big {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--mjh-navy);
  line-height: 1;
  letter-spacing: -0.03em;
}

.split-badge .sm {
  font-size: 13px;
  color: var(--mjh-muted);
  font-weight: 600;
  max-width: 130px;
  line-height: 1.35;
}

.tick-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.tick-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-bottom: 14px;
  color: var(--mjh-ink);
  font-size: 15.4px;
  font-weight: 600;
}

.tick-list li span {
  color: var(--mjh-muted);
  font-weight: 500;
  display: block;
  font-size: 14.4px;
}

.tick-list .tk {
  width: 24px;
  height: 24px;
  flex: 0 0 24px;
  border-radius: 8px;
  background: var(--mjh-grad);
  display: grid;
  place-items: center;
  margin-top: 3px;
}

.tick-list .tk svg {
  width: 13px;
  height: 13px;
  fill: #04231d;
}

/* --------------------------------- process ------------------------------- */

.step-card {
  background: #fff;
  border-radius: var(--mjh-radius);
  padding: 30px 26px;
  height: 100%;
  border: 1px solid var(--mjh-line);
  position: relative;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.step-card:hover {
  transform: translateY(-7px);
  box-shadow: var(--mjh-shadow);
}

.step-card .step-no {
  font-size: 2.7rem;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.04em;
  background: var(--mjh-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  opacity: 0.9;
  margin-bottom: 12px;
}

.step-card h3 {
  font-size: 1.12rem;
  margin-bottom: 9px;
}

.step-card p {
  font-size: 14.7px;
  margin: 0;
}

.step-connector {
  position: absolute;
  top: 50%;
  right: -22px;
  width: 26px;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--mjh-teal) 0 6px, transparent 6px 12px);
  z-index: 2;
}

/* ------------------------------- calculators ----------------------------- */

.calc-panel {
  background: #fff;
  border-radius: 24px;
  border: 1px solid var(--mjh-line);
  box-shadow: var(--mjh-shadow);
  padding: 32px;
}

.calc-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 26px;
}

.calc-tab {
  border: 1.5px solid var(--mjh-line);
  background: #fff;
  color: var(--mjh-navy);
  font-weight: 700;
  font-size: 14px;
  border-radius: 999px;
  padding: 9px 18px;
  cursor: pointer;
  transition: all 0.25s ease;
  font-family: var(--mjh-font);
}

.calc-tab:hover {
  border-color: var(--mjh-teal);
  color: var(--mjh-teal);
}

.calc-tab.active {
  background: var(--mjh-grad);
  border-color: transparent;
  color: #04231d;
}

.range-row {
  margin-bottom: 22px;
}

.range-row .rr-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 9px;
}

.range-row label {
  font-weight: 700;
  font-size: 14.2px;
  color: var(--mjh-navy);
}

.range-row .rr-val {
  font-weight: 800;
  color: var(--mjh-teal);
  font-size: 15px;
  background: rgba(0, 179, 155, 0.1);
  padding: 3px 12px;
  border-radius: 999px;
}

input[type='range'] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 7px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--mjh-teal) var(--fill, 40%), #e2ebf3 var(--fill, 40%));
  outline: none;
}

input[type='range']::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #fff;
  border: 4px solid var(--mjh-teal);
  box-shadow: 0 4px 12px rgba(0, 179, 155, 0.4);
  cursor: pointer;
  transition: transform 0.2s ease;
}

input[type='range']::-webkit-slider-thumb:hover {
  transform: scale(1.14);
}

input[type='range']::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 4px solid var(--mjh-teal);
  cursor: pointer;
}

.calc-result {
  background: linear-gradient(140deg, #0a1f3c, #14375f);
  border-radius: 20px;
  padding: 26px;
  color: #fff;
}

.calc-result .rr-label {
  font-size: 12.4px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #9fb6cd;
  font-weight: 700;
}

.calc-result .rr-big {
  font-size: 2.5rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
  background: var(--mjh-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.calc-result .rr-grid {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.calc-result .rr-grid div .k {
  font-size: 12px;
  color: #9fb6cd;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 700;
}

.calc-result .rr-grid div .v {
  font-weight: 800;
  font-size: 1.12rem;
  color: #fff;
}

.calc-note {
  font-size: 12.8px;
  color: var(--mjh-muted);
  margin-top: 14px;
}

/* ------------------------------ testimonials ----------------------------- */

.testimonial-card {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: var(--mjh-radius);
  padding: 30px 28px;
  height: 100%;
  position: relative;
  transition: transform 0.32s ease, box-shadow 0.32s ease;
}

.testimonial-card:hover {
  transform: translateY(-7px);
  box-shadow: var(--mjh-shadow);
}

.testimonial-card .quote-mark {
  font-size: 3.4rem;
  line-height: 1;
  font-weight: 800;
  background: var(--mjh-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  opacity: 0.55;
  font-family: Georgia, serif;
}

.testimonial-card p {
  font-size: 15.2px;
  color: var(--mjh-ink);
  font-style: italic;
}

.testimonial-card .stars {
  color: var(--mjh-gold);
  font-size: 14px;
  letter-spacing: 2px;
  margin-bottom: 10px;
}

.t-person {
  display: flex;
  align-items: center;
  gap: 13px;
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px dashed var(--mjh-line);
}

.t-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #fff;
  font-weight: 800;
  font-size: 15.6px;
  letter-spacing: 0.02em;
  flex: 0 0 46px;
}

.t-person .t-name {
  font-weight: 800;
  color: var(--mjh-navy);
  font-size: 15.4px;
  line-height: 1.3;
}

.av-1 { background: linear-gradient(135deg, #00b39b, #12d48b); }
.av-2 { background: linear-gradient(135deg, #f5b301, #ff8a3d); }
.av-3 { background: linear-gradient(135deg, #6c5ce7, #2aa9ff); }
.av-4 { background: linear-gradient(135deg, #ff6b4a, #ff9f7a); }
.av-5 { background: linear-gradient(135deg, #0a1f3c, #2b5d92); }
.av-6 { background: linear-gradient(135deg, #12d48b, #7ce7b4); }

/* ---------------------------------- CTA ---------------------------------- */

.cta-band {
  background:
    radial-gradient(700px 320px at 88% 10%, rgba(245, 179, 1, 0.22), transparent 60%),
    radial-gradient(600px 300px at 6% 96%, rgba(18, 212, 139, 0.26), transparent 60%),
    linear-gradient(120deg, #0a1f3c, #123a63);
  color: #fff;
  border-radius: 28px;
  padding: 54px 46px;
  position: relative;
  overflow: hidden;
}

.cta-band h2 {
  color: #fff;
  font-size: clamp(1.7rem, 3vw, 2.4rem);
}

.cta-band p {
  color: #c3d4e6;
}

/* ------------------------------- FAQ accordion --------------------------- */

.accordion-mjh .accordion-item {
  border: 1px solid var(--mjh-line);
  border-radius: 16px !important;
  margin-bottom: 13px;
  overflow: hidden;
  background: #fff;
}

.accordion-mjh .accordion-button {
  font-family: var(--mjh-font);
  font-weight: 700;
  color: var(--mjh-navy);
  font-size: 15.6px;
  padding: 19px 22px;
  background: #fff;
  box-shadow: none !important;
}

.accordion-mjh .accordion-button:not(.collapsed) {
  background: rgba(0, 179, 155, 0.07);
  color: var(--mjh-teal);
}

.accordion-mjh .accordion-button::after {
  background-image: none;
  content: '+';
  font-size: 1.5rem;
  font-weight: 600;
  width: auto;
  height: auto;
  line-height: 1;
  color: var(--mjh-teal);
  transform: none;
}

.accordion-mjh .accordion-button:not(.collapsed)::after {
  content: '–';
  transform: none;
}

.accordion-mjh .accordion-body {
  padding: 4px 22px 22px;
  color: var(--mjh-muted);
  font-size: 15px;
}

/* --------------------------------- forms --------------------------------- */

.mjh-form {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: 24px;
  padding: 34px;
  box-shadow: var(--mjh-shadow);
}

.mjh-form.on-dark {
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(255, 255, 255, 0.16);
  box-shadow: none;
}

.form-label {
  font-weight: 700;
  font-size: 13.8px;
  color: var(--mjh-navy);
  margin-bottom: 7px;
  letter-spacing: 0.01em;
}

.form-label .req {
  color: var(--mjh-coral);
}

.form-control,
.form-select {
  border: 1.5px solid var(--mjh-line);
  border-radius: 13px;
  padding: 12px 15px;
  font-size: 15px;
  font-family: var(--mjh-font);
  color: var(--mjh-ink);
  background-color: #fbfdff;
  transition: border-color 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}

.form-control:focus,
.form-select:focus {
  border-color: var(--mjh-teal);
  background-color: #fff;
  box-shadow: 0 0 0 4px rgba(0, 179, 155, 0.14);
}

.form-control.is-invalid,
.form-select.is-invalid {
  border-color: #e0533d;
  box-shadow: 0 0 0 4px rgba(224, 83, 61, 0.12);
}

textarea.form-control {
  min-height: 132px;
  resize: vertical;
}

.invalid-feedback {
  font-size: 12.8px;
  font-weight: 600;
}

.form-check-input:checked {
  background-color: var(--mjh-teal);
  border-color: var(--mjh-teal);
}

.form-check-input:focus {
  box-shadow: 0 0 0 4px rgba(0, 179, 155, 0.16);
  border-color: var(--mjh-teal);
}

.form-check-label {
  font-size: 14.4px;
  color: var(--mjh-muted);
}

.form-alert {
  border-radius: 14px;
  padding: 15px 18px;
  font-size: 14.6px;
  font-weight: 600;
  margin-bottom: 20px;
  display: none;
  border: 1px solid transparent;
}

.form-alert.show {
  display: block;
  animation: mjhFadeUp 0.4s ease both;
}

.form-alert.ok {
  background: #e6fbf4;
  border-color: #a8ecd2;
  color: #075c42;
}

.form-alert.err {
  background: #ffefec;
  border-color: #ffc4b8;
  color: #94281a;
}

.form-alert ul {
  margin: 8px 0 0;
  padding-left: 20px;
}

.form-hint {
  font-size: 13px;
  color: var(--mjh-muted);
  margin-top: 12px;
}

.spinner-inline {
  width: 16px;
  height: 16px;
  border-width: 2px;
  vertical-align: -3px;
}

/* ---------------------------- contact info card -------------------------- */

.info-card {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: var(--mjh-radius);
  padding: 24px;
  height: 100%;
  display: flex;
  gap: 16px;
  align-items: flex-start;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.info-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--mjh-shadow);
}

.info-card .ic {
  width: 50px;
  height: 50px;
  border-radius: 15px;
  display: grid;
  place-items: center;
  flex: 0 0 50px;
}

.info-card .ic svg {
  width: 23px;
  height: 23px;
}

.info-card h4 {
  font-size: 15.4px;
  margin-bottom: 4px;
}

.info-card p,
.info-card a {
  font-size: 14.8px;
  color: var(--mjh-muted);
  margin: 0;
  word-break: break-word;
}

.info-card a:hover {
  color: var(--mjh-teal);
}

.map-frame {
  border-radius: 22px;
  overflow: hidden;
  border: 1px solid var(--mjh-line);
  box-shadow: var(--mjh-shadow);
  height: 380px;
  background: var(--mjh-mist);
}

.map-frame iframe {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
}

/* ------------------------------- page header ----------------------------- */

.page-head {
  background:
    radial-gradient(760px 400px at 84% -20%, rgba(0, 179, 155, 0.34), transparent 60%),
    radial-gradient(520px 320px at 6% 120%, rgba(108, 92, 231, 0.3), transparent 60%),
    linear-gradient(150deg, #071729, #0a1f3c 55%, #123358);
  color: #fff;
  padding: 74px 0 84px;
  position: relative;
  overflow: hidden;
}

.page-head::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 58px 58px;
  mask-image: radial-gradient(circle at 70% 20%, #000, transparent 70%);
  -webkit-mask-image: radial-gradient(circle at 70% 20%, #000, transparent 70%);
}

.page-head > .container {
  position: relative;
  z-index: 2;
}

.page-head h1 {
  color: #fff;
  font-size: clamp(2rem, 4.2vw, 3rem);
}

.page-head p {
  color: #c3d4e6;
  max-width: 680px;
}

.breadcrumb-mjh {
  display: flex;
  gap: 9px;
  align-items: center;
  font-size: 13.6px;
  font-weight: 600;
  color: #9fb6cd;
  margin-bottom: 16px;
  flex-wrap: wrap;
}

.breadcrumb-mjh a {
  color: #cfe0ef;
}

.breadcrumb-mjh a:hover {
  color: var(--mjh-emerald);
}

.breadcrumb-mjh .sep {
  opacity: 0.5;
}

/* ---------------------------------- blog --------------------------------- */

.blog-card {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: var(--mjh-radius);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.blog-card:hover {
  transform: translateY(-9px);
  box-shadow: var(--mjh-shadow-lg);
}

.blog-card__media {
  height: 200px;
  overflow: hidden;
  position: relative;
}

.blog-card__media svg {
  width: 100%;
  height: 100%;
  display: block;
  transition: transform 0.6s ease;
}

.blog-card:hover .blog-card__media svg {
  transform: scale(1.06);
}

.blog-card__body {
  padding: 26px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.blog-cat {
  display: inline-block;
  font-size: 11.4px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: 13px;
  align-self: flex-start;
}

.cat-teal { background: rgba(0, 179, 155, 0.12); color: #008574; }
.cat-gold { background: rgba(245, 179, 1, 0.16); color: #a2740a; }
.cat-lilac { background: rgba(108, 92, 231, 0.12); color: #4c3fd0; }
.cat-coral { background: rgba(255, 107, 74, 0.13); color: #d1442a; }

.blog-card h3 {
  font-size: 1.24rem;
  margin-bottom: 11px;
  line-height: 1.35;
}

.blog-card h3 a {
  color: var(--mjh-navy);
}

.blog-card h3 a:hover {
  color: var(--mjh-teal);
}

.blog-card p {
  font-size: 14.8px;
  flex: 1;
}

.blog-meta-lite {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 13px;
  color: var(--mjh-muted);
  font-weight: 600;
  margin-bottom: 14px;
}

.blog-meta-lite svg {
  width: 14px;
  height: 14px;
  fill: var(--mjh-teal);
  margin-right: 5px;
  vertical-align: -2px;
}

.read-more {
  font-weight: 700;
  font-size: 14.4px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--mjh-teal);
}

.read-more svg {
  width: 15px;
  height: 15px;
  fill: currentColor;
  transition: transform 0.28s ease;
}

.read-more:hover svg {
  transform: translateX(5px);
}

/* single post */
.post-wrap {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: 24px;
  padding: 40px 42px;
  box-shadow: var(--mjh-shadow);
}

.post-hero {
  border-radius: 20px;
  overflow: hidden;
  margin-bottom: 30px;
  border: 1px solid var(--mjh-line);
}

.post-hero svg {
  width: 100%;
  height: auto;
  display: block;
}

.post-content {
  font-size: 16.6px;
  line-height: 1.85;
  color: #33435c;
}

.post-content p {
  color: #33435c;
  margin-bottom: 20px;
}

.post-content h2 {
  font-size: 1.5rem;
  margin: 34px 0 14px;
}

.post-content h3 {
  font-size: 1.2rem;
  margin: 28px 0 12px;
}

.post-content ul {
  margin: 0 0 22px;
  padding-left: 0;
  list-style: none;
}

.post-content ul li {
  position: relative;
  padding-left: 27px;
  margin-bottom: 10px;
  color: #33435c;
}

.post-content ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 10px;
  width: 9px;
  height: 9px;
  border-radius: 3px;
  background: var(--mjh-grad);
}

.post-content blockquote {
  border-left: 4px solid var(--mjh-teal);
  background: var(--mjh-mist);
  padding: 20px 24px;
  border-radius: 0 16px 16px 0;
  margin: 26px 0;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--mjh-navy);
}

.post-content strong {
  color: var(--mjh-navy);
}

.callout {
  background: linear-gradient(135deg, rgba(0, 179, 155, 0.09), rgba(18, 212, 139, 0.05));
  border: 1px solid rgba(0, 179, 155, 0.25);
  border-radius: 18px;
  padding: 24px 26px;
  margin: 28px 0;
}

.callout h4 {
  font-size: 1.06rem;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 9px;
}

.callout p {
  margin: 0;
  font-size: 15.2px;
}

.side-card {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: 20px;
  padding: 26px;
  margin-bottom: 24px;
  box-shadow: 0 6px 18px rgba(10, 31, 60, 0.05);
}

.side-card h4 {
  font-size: 1.05rem;
  margin-bottom: 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--mjh-mist-2);
}

.post-list-item {
  display: flex;
  gap: 14px;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px dashed var(--mjh-line);
}

.post-list-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.post-list-item .thumb {
  width: 62px;
  height: 52px;
  border-radius: 11px;
  overflow: hidden;
  flex: 0 0 62px;
}

.post-list-item .thumb svg {
  width: 100%;
  height: 100%;
  display: block;
}

.post-list-item a {
  font-weight: 700;
  font-size: 14.2px;
  color: var(--mjh-navy);
  line-height: 1.4;
}

.post-list-item a:hover {
  color: var(--mjh-teal);
}

.post-list-item small {
  display: block;
  color: var(--mjh-muted);
  font-size: 12.4px;
  font-weight: 600;
  margin-top: 3px;
}

.share-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.share-btn {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  border: 1px solid var(--mjh-line);
  color: var(--mjh-navy);
  background: #fff;
  transition: all 0.25s ease;
}

.share-btn svg {
  width: 17px;
  height: 17px;
  fill: currentColor;
}

.share-btn:hover {
  background: var(--mjh-grad);
  border-color: transparent;
  color: #04231d;
  transform: translateY(-3px);
}

.post-nav {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  margin-top: 34px;
  padding-top: 28px;
  border-top: 1px solid var(--mjh-line);
  flex-wrap: wrap;
}

.post-nav a {
  font-weight: 700;
  font-size: 14.6px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

/* ------------------------------ legal pages ------------------------------ */

.legal-wrap {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: 24px;
  padding: 40px 44px;
  box-shadow: var(--mjh-shadow);
}

.legal-wrap h2 {
  font-size: 1.32rem;
  margin: 34px 0 12px;
  padding-left: 16px;
  border-left: 4px solid var(--mjh-teal);
}

.legal-wrap h2:first-of-type {
  margin-top: 8px;
}

.legal-wrap p,
.legal-wrap li {
  color: #40506a;
  font-size: 15.6px;
}

.legal-wrap ul {
  padding-left: 22px;
  margin-bottom: 18px;
}

.legal-wrap ul li {
  margin-bottom: 8px;
}

.legal-meta {
  background: var(--mjh-mist);
  border: 1px solid var(--mjh-line);
  border-radius: 16px;
  padding: 18px 22px;
  font-size: 14.4px;
  color: var(--mjh-muted);
  margin-bottom: 26px;
}

.legal-meta strong {
  color: var(--mjh-navy);
}

.toc-card {
  position: sticky;
  top: 100px;
}

.toc-card a {
  display: block;
  font-size: 14.2px;
  font-weight: 600;
  color: var(--mjh-muted);
  padding: 8px 14px;
  border-left: 2px solid var(--mjh-line);
  transition: all 0.25s ease;
}

.toc-card a:hover,
.toc-card a.active {
  color: var(--mjh-teal);
  border-left-color: var(--mjh-teal);
  background: rgba(0, 179, 155, 0.06);
}

/* ------------------------------ newsletter band -------------------------- */

.news-band {
  background:
    radial-gradient(600px 300px at 10% 0%, rgba(108, 92, 231, 0.22), transparent 60%),
    linear-gradient(120deg, #00857480, #0a1f3c 55%, #123358);
  border-radius: 26px;
  padding: 48px 42px;
  color: #fff;
}

.news-band h3 {
  color: #fff;
}

.news-band p {
  color: #cfe0ef;
}

.news-inline {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.news-inline .form-control {
  flex: 1;
  min-width: 220px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.96);
}

/* --------------------------------- footer -------------------------------- */

.footer {
  background: #061527;
  color: #a9bdd1;
  padding: 78px 0 0;
  position: relative;
  overflow: hidden;
}

.footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--mjh-grad);
}

.footer h5 {
  color: #fff;
  font-size: 15.4px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 22px;
  font-weight: 800;
}

.footer p {
  color: #a9bdd1;
  font-size: 14.6px;
}

.footer a {
  color: #a9bdd1;
  font-size: 14.6px;
}

.footer a:hover {
  color: var(--mjh-emerald);
  padding-left: 3px;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links li {
  margin-bottom: 11px;
}

.footer-links li a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.25s ease;
}

.footer-links li a::before {
  content: '';
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--mjh-teal);
  opacity: 0.55;
  transition: opacity 0.25s ease;
}

.footer-links li a:hover::before {
  opacity: 1;
}

.footer-contact li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-bottom: 15px;
  font-size: 14.6px;
}

.footer-contact li a:hover {
  padding-left: 0;
}

.footer-contact svg {
  width: 17px;
  height: 17px;
  fill: var(--mjh-emerald);
  flex: 0 0 17px;
  margin-top: 4px;
}

.footer-social {
  display: flex;
  gap: 10px;
  margin-top: 20px;
}

.footer-social a {
  width: 38px;
  height: 38px;
  border-radius: 11px;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.12);
  display: grid;
  place-items: center;
  transition: all 0.28s ease;
}

.footer-social a:hover {
  background: var(--mjh-grad);
  border-color: transparent;
  transform: translateY(-4px);
  padding-left: 0;
}

.footer-social svg {
  width: 17px;
  height: 17px;
  fill: #dce8f3;
}

.footer-social a:hover svg {
  fill: #04231d;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.09);
  margin-top: 54px;
  padding: 22px 0;
  font-size: 13.6px;
}

.footer-bottom a {
  font-size: 13.6px;
}

.footer-disclaimer {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 16px;
  padding: 18px 22px;
  font-size: 13.2px;
  color: #8ea6bd;
  line-height: 1.7;
}

/* ------------------------------- utilities ------------------------------- */

.divider-wave {
  display: block;
  width: 100%;
  height: 60px;
  line-height: 0;
}

.reveal {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.in-view {
  opacity: 1;
  transform: none;
}

@keyframes mjhFadeUp {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: none; }
}

.fade-up {
  animation: mjhFadeUp 0.6s ease both;
}

#mjhToTop {
  position: fixed;
  right: 22px;
  bottom: 22px;
  width: 48px;
  height: 48px;
  border-radius: 15px;
  background: var(--mjh-grad);
  border: none;
  color: #04231d;
  display: grid;
  place-items: center;
  box-shadow: 0 16px 34px rgba(0, 179, 155, 0.4);
  opacity: 0;
  visibility: hidden;
  transform: translateY(14px);
  transition: all 0.32s ease;
  z-index: 1050;
  cursor: pointer;
}

#mjhToTop.show {
  opacity: 1;
  visibility: visible;
  transform: none;
}

#mjhToTop svg {
  width: 19px;
  height: 19px;
  fill: currentColor;
}

.mjh-highlight-bar {
  background: var(--mjh-mist);
  border-top: 1px solid var(--mjh-line);
  border-bottom: 1px solid var(--mjh-line);
  padding: 22px 0;
}

.pill-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.pill {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: 999px;
  padding: 8px 17px;
  font-size: 13.6px;
  font-weight: 700;
  color: var(--mjh-navy);
}

.value-row {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  margin-bottom: 24px;
}

.value-row .ic {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  flex: 0 0 48px;
}

.value-row .ic svg {
  width: 22px;
  height: 22px;
}

.value-row h4 {
  font-size: 1.06rem;
  margin-bottom: 5px;
}

.value-row p {
  font-size: 14.6px;
  margin: 0;
}

.timeline {
  position: relative;
  padding-left: 34px;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 11px;
  top: 6px;
  bottom: 6px;
  width: 2px;
  background: linear-gradient(180deg, var(--mjh-teal), var(--mjh-lilac));
  border-radius: 2px;
}

.timeline__item {
  position: relative;
  margin-bottom: 30px;
}

.timeline__item::before {
  content: '';
  position: absolute;
  left: -29px;
  top: 6px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--mjh-teal);
  box-shadow: 0 0 0 4px rgba(0, 179, 155, 0.14);
}

.timeline__item h4 {
  font-size: 1.08rem;
  margin-bottom: 6px;
}

.timeline__item .yr {
  font-size: 12.4px;
  font-weight: 800;
  letter-spacing: 0.1em;
  color: var(--mjh-teal);
  text-transform: uppercase;
}

.timeline__item p {
  font-size: 14.8px;
  margin: 0;
}

.team-card {
  background: #fff;
  border: 1px solid var(--mjh-line);
  border-radius: var(--mjh-radius);
  overflow: hidden;
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  height: 100%;
}

.team-card:hover {
  transform: translateY(-7px);
  box-shadow: var(--mjh-shadow);
}

.team-card__avatar {
  height: 150px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, #eaf7f4, #eef2ff);
}

.team-card__avatar .ring {
  width: 92px;
  height: 92px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #fff;
  font-weight: 800;
  font-size: 1.9rem;
  box-shadow: 0 12px 26px rgba(10, 31, 60, 0.18);
}

.team-card__body {
  padding: 20px 20px 24px;
}

.team-card__body h4 {
  font-size: 1.06rem;
  margin-bottom: 3px;
}

.team-card__body .role {
  font-size: 13.2px;
  font-weight: 700;
  color: var(--mjh-teal);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.team-card__body p {
  font-size: 14.2px;
  margin: 10px 0 0;
}

/* ------------------------------- responsive ------------------------------ */

@media (max-width: 1199.98px) {
  .step-connector { display: none; }
}

@media (max-width: 991.98px) {
  .section { padding: 72px 0; }
  .hero { padding: 76px 0 92px; }
  .navbar-mjh .navbar-collapse {
    background: #fff;
    border-radius: 18px;
    padding: 14px;
    margin-top: 12px;
    border: 1px solid var(--mjh-line);
    box-shadow: var(--mjh-shadow);
  }
  .nav-cta { margin: 10px 0 0; }
  .post-wrap { padding: 30px 24px; }
  .legal-wrap { padding: 30px 24px; }
  .cta-band { padding: 40px 28px; }
  .news-band { padding: 36px 26px; }
  .float-chip { display: none; }
  .split-badge { right: 10px; bottom: -18px; }
  .toc-card { position: static; }
}

@media (max-width: 767.98px) {
  body { font-size: 16px; }
  .section { padding: 58px 0; }
  .mjh-form { padding: 24px 20px; }
  .calc-panel { padding: 24px 20px; }
  .hero-mini { flex-direction: column; }
  .mjh-topbar .d-none-sm { display: none !important; }
  .post-nav { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
  .reveal { opacity: 1; transform: none; }
}

/* ---------------------------- calculator visuals -------------------------- */

.split-bar {
  display: flex;
  height: 14px;
  border-radius: 999px;
  overflow: hidden;
  background: #e6edf4;
  margin-top: 18px;
}

.bar-seg {
  display: block;
  height: 100%;
  transition: width 0.45s ease;
}

.seg-p { background: linear-gradient(90deg, #00b39b, #12d48b); }
.seg-i { background: linear-gradient(90deg, #f5b301, #ff8a3d); }
.seg-g { background: linear-gradient(90deg, #6c5ce7, #2aa9ff); }

.bar-legend {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  margin-top: 12px;
  font-size: 13px;
  color: #b9cde0;
  font-weight: 600;
}

.bar-legend span { display: inline-flex; align-items: center; gap: 7px; }

.bar-legend .sw {
  width: 11px;
  height: 11px;
  border-radius: 4px;
  display: inline-block;
}

.sw-p { background: #12d48b; }
.sw-i { background: #f5b301; }
.sw-g { background: #2aa9ff; }

.calc-pane { display: none; }

/* reference box shown after a successful submission */
.ref-box {
  display: none;
  margin-top: 14px;
  padding: 12px 16px;
  border-radius: 12px;
  background: var(--mjh-mist);
  border: 1px dashed var(--mjh-teal);
  font-size: 13.6px;
  color: var(--mjh-navy);
  font-weight: 600;
}

.ref-box.show { display: block; }

/* reading progress bar on blog posts */
.reading-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  width: 0;
  background: var(--mjh-grad);
  z-index: 1080;
  transition: width 0.1s linear;
}

/* comparison table */
.table-mjh {
  border-radius: 18px;
  overflow: hidden;
  border: 1px solid var(--mjh-line);
  background: #fff;
}

.table-mjh table { margin: 0; }

.table-mjh thead th {
  background: var(--mjh-navy);
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.03em;
  padding: 16px 18px;
  border: none;
}

.table-mjh tbody td {
  padding: 15px 18px;
  font-size: 14.8px;
  color: #40506a;
  border-color: var(--mjh-line);
  vertical-align: middle;
}

.table-mjh tbody tr:nth-child(even) { background: #fafdfe; }
.table-mjh tbody tr:hover { background: rgba(0, 179, 155, 0.05); }
.table-mjh tbody td:first-child { font-weight: 700; color: var(--mjh-navy); }

/* service detail blocks */
.service-block {
  scroll-margin-top: 110px;
}

.service-block__num {
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.14em;
  color: var(--mjh-teal);
  text-transform: uppercase;
}

.icon-bullet {
  display: flex;
  gap: 13px;
  align-items: flex-start;
  margin-bottom: 16px;
}

.icon-bullet .ib {
  width: 30px;
  height: 30px;
  border-radius: 9px;
  display: grid;
  place-items: center;
  flex: 0 0 30px;
  background: rgba(0, 179, 155, 0.12);
}

.icon-bullet .ib svg { width: 15px; height: 15px; fill: var(--mjh-teal); }
.icon-bullet h5 { font-size: 1rem; margin-bottom: 3px; }
.icon-bullet p { font-size: 14.4px; margin: 0; }

/* marquee of partner-style highlights */
.ribbon {
  background: var(--mjh-grad);
  color: #04231d;
  font-weight: 800;
  padding: 13px 0;
  overflow: hidden;
  white-space: nowrap;
}

.ribbon__track {
  display: inline-flex;
  gap: 44px;
  animation: mjhMarquee 28s linear infinite;
  padding-left: 22px;
}

.ribbon__track span {
  font-size: 14.4px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  gap: 12px;
}

.ribbon__track span::after { content: '◆'; opacity: .45; font-size: 10px; }

@keyframes mjhMarquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}