/* ═══════════════════════════════════════════════════════
       DESIGN TOKENS
    ═══════════════════════════════════════════════════════ */
    :root {
      --sky: #0EA5E9;
      --sky-dark: #0284C7;
      --sky-deeper: #0369A1;
      --sky-xl: rgba(14, 165, 233, .08);
      --sky-l: rgba(14, 165, 233, .15);
      --sky-glow: rgba(14, 165, 233, .25);

      --navy: #060F1E;
      --navy-2: #0B1A2E;
      --navy-3: #0F2340;

      --white: #FFFFFF;
      --off: #F5F8FC;
      --border: #E1EAF4;
      --text: #18273A;
      --muted: #5B7190;
      --light-text: rgba(255, 255, 255, .62);

      --font: 'Inter', sans-serif;
      --serif: 'Playfair Display', serif;

      --r-xs: 6px;
      --r-sm: 10px;
      --r-md: 16px;
      --r-lg: 24px;
      --r-xl: 36px;

      --sh-sm: 0 1px 4px rgba(6, 15, 30, .06), 0 4px 16px rgba(6, 15, 30, .06);
      --sh-md: 0 4px 12px rgba(6, 15, 30, .08), 0 12px 36px rgba(6, 15, 30, .10);
      --sh-lg: 0 8px 24px rgba(6, 15, 30, .12), 0 24px 64px rgba(6, 15, 30, .14);
      --sh-sky: 0 6px 24px rgba(14, 165, 233, .32);

      --ease: .24s cubic-bezier(.4, 0, .2, 1);
      --ease-spring: .4s cubic-bezier(.34, 1.56, .64, 1);
    }

    /* ═══════════════════════════════════════════════════════
       BASE
    ═══════════════════════════════════════════════════════ */
    *,
    *::before,
    *::after {
      box-sizing: border-box;
      margin: 0;
      padding: 0;
    }

    html,
    body {
      margin: 0;
      padding: 0;
    }

    html {
      scroll-behavior: smooth;
      font-size: 16px;
    }

    body {
      font-family: var(--font);
      color: var(--text);
      background: var(--navy);
      /* matches hero — any micro-gap is seamless */
      -webkit-font-smoothing: antialiased;
      overflow-x: hidden;
    }

    h1,
    h2,
    h3 {
      font-family: var(--serif);
    }

    h4,
    h5,
    h6,
    button,
    input,
    select,
    textarea {
      font-family: var(--font);
    }

    a {
      text-decoration: none;
      color: inherit;
    }

    img {
      display: block;
      max-width: 100%;
    }

    /* ═══════════════════════════════════════════════════════
       SCROLL ANIMATIONS
    ═══════════════════════════════════════════════════════ */
    .reveal {
      opacity: 0;
      transform: translateY(28px);
      transition: opacity .65s cubic-bezier(.22, 1, .36, 1),
        transform .65s cubic-bezier(.22, 1, .36, 1);
    }

    .reveal.from-left {
      transform: translateX(-32px);
    }

    .reveal.from-right {
      transform: translateX(32px);
    }

    .reveal.scale-up {
      transform: scale(.94);
    }

    .reveal.visible {
      opacity: 1;
      transform: translate(0) scale(1);
    }

    .reveal-d1 {
      transition-delay: .1s;
    }

    .reveal-d2 {
      transition-delay: .2s;
    }

    .reveal-d3 {
      transition-delay: .3s;
    }

    .reveal-d4 {
      transition-delay: .4s;
    }

    /* ═══════════════════════════════════════════════════════
       NAVBAR
    ═══════════════════════════════════════════════════════ */
    #nav {
      position: fixed;
      top: 0;
      left: 0;
      right: 0;
      z-index: 1000;
      transition: background var(--ease), box-shadow var(--ease),
        backdrop-filter var(--ease);
    }

    #nav.scrolled {
      background: rgba(6, 15, 30, .95);
      backdrop-filter: blur(20px);
      -webkit-backdrop-filter: blur(20px);
      box-shadow: 0 1px 0 rgba(255, 255, 255, .06),
        0 4px 24px rgba(0, 0, 0, .3);
    }

    .nav-inner {
      display: flex;
      align-items: center;
      justify-content: space-between;
      height: 70px;
    }

    /* Logo */
    .logo {
      display: flex;
      align-items: center;
      gap: 11px;
    }

    .logo-icon {
      width: 52px;
      height: 52px;
      flex-shrink: 0;
      background-color: var(--sky);
      border-radius: 9px;
    }

    .logo-icon img {
      width: 100%;
      height: 100%;
      object-fit: contain;
      display: block;
    }




    .logo-copy b {
      display: block;
      font-size: 14px;
      font-weight: 700;
      color: #fff;
      line-height: 1.25;
    }

    .logo-copy small {
      font-size: 10.5px;
      color: var(--sky);
      font-weight: 500;
      letter-spacing: .3px;
    }

    /* Desktop nav links */
    .nav-links {
      display: flex;
      align-items: center;
      gap: 2px;
      list-style: none;
    }

    .nav-links a {
      font-size: 13.5px;
      font-weight: 500;
      color: rgba(255, 255, 255, .65);
      padding: 7px 13px;
      border-radius: var(--r-xs);
      transition: var(--ease);
    }

    .nav-links a:hover {
      color: #fff;
      background: rgba(255, 255, 255, .08);
    }

    .nav-btn-cta {
      background: var(--sky) !important;
      color: #fff !important;
      font-weight: 600 !important;
      padding: 8px 18px !important;
      border-radius: var(--r-xs) !important;
      box-shadow: var(--sh-sky) !important;
      transition: var(--ease) !important;
    }

    .nav-btn-cta:hover {
      background: var(--sky-dark) !important;
      transform: translateY(-1px);
    }

    .nav-tel {
      display: flex;
      align-items: center;
      gap: 7px;
      font-size: 13px;
      font-weight: 600;
      color: var(--sky);
      transition: var(--ease);
    }

    .nav-tel:hover {
      color: #fff;
    }

    /* Hamburger */
    .hamburger {
      display: none;
      flex-direction: column;
      gap: 5px;
      width: 34px;
      height: 34px;
      align-items: center;
      justify-content: center;
      background: rgba(255, 255, 255, .08);
      border: 1px solid rgba(255, 255, 255, .12);
      border-radius: var(--r-xs);
      cursor: pointer;
      padding: 0;
    }

    .hamburger span {
      display: block;
      width: 18px;
      height: 2px;
      background: #fff;
      border-radius: 2px;
      transition: var(--ease);
    }

    .hamburger.open span:nth-child(1) {
      transform: translateY(7px) rotate(45deg);
    }

    .hamburger.open span:nth-child(2) {
      opacity: 0;
      transform: scaleX(0);
    }

    .hamburger.open span:nth-child(3) {
      transform: translateY(-7px) rotate(-45deg);
    }

    /* Mobile drawer */
    .mobile-drawer {
      position: fixed;
      top: 0;
      left: 0;
      right: 0;
      background: rgba(6, 15, 30, .98);
      backdrop-filter: blur(20px);
      border-bottom: 1px solid rgba(255, 255, 255, .07);
      padding: 20px 24px 28px;
      z-index: 999;
      transform: translateY(-110%);
      transition: transform .3s cubic-bezier(.4, 0, .2, 1);
    }

    .mobile-drawer.open {
      transform: translateY(0);
      z-index: 999;
    }

    .mobile-drawer a {
      display: block;
      font-size: 16px;
      font-weight: 500;
      color: rgba(255, 255, 255, .75);
      padding: 12px 0;
      border-bottom: 1px solid rgba(255, 255, 255, .05);
      transition: var(--ease);
    }

    .mobile-drawer a:last-child {
      border-bottom: none;
    }

    .mobile-drawer a:hover {
      color: var(--sky);
      padding-left: 8px;
    }

    .mobile-drawer .mob-cta {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      margin-top: 16px;
      background: var(--sky);
      color: #fff !important;
      font-weight: 700 !important;
      border-radius: var(--r-sm);
      padding: 14px !important;
      border-bottom: none !important;
    }

    .mobile-drawer .mob-cta:hover {
      background: var(--sky-dark);
    }

    /* ═══════════════════════════════════════════════════════
       HERO
    ═══════════════════════════════════════════════════════ */
    #hero {
      position: relative;
      min-height: 100vh;
      display: flex;
      align-items: center;
      /* Background image sits directly on the section — no child div needed */
      background-image: url('https://www.pmaafs.com.au/assets/images/banner03.jpg');
      background-size: cover;
      background-position: top center;
      background-repeat: no-repeat;
    }

    /* Directional veil as a pseudo-element — no extra HTML needed */
    #hero::before {
      content: '';
      position: absolute;
      inset: 0;
      z-index: 1;
      background: linear-gradient(105deg,
          rgba(6, 15, 30, .95) 0%,
          rgba(6, 15, 30, .85) 30%,
          rgba(6, 15, 30, .50) 58%,
          rgba(6, 15, 30, .12) 78%,
          rgba(6, 15, 30, .02) 100%);
    }

    /* Subtle dot texture fading right */
    .hero-texture {
      position: absolute;
      inset: 0;
      z-index: 2;
      background-image: radial-gradient(rgba(255, 255, 255, .055) 1px, transparent 1px);
      background-size: 28px 28px;
      mask-image: linear-gradient(to right, black 0%, transparent 52%);
      -webkit-mask-image: linear-gradient(to right, black 0%, transparent 52%);
    }

    /* Sky glow bottom-left */
    .hero-glow {
      position: absolute;
      bottom: -140px;
      left: -100px;
      z-index: 2;
      width: 520px;
      height: 520px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(14, 165, 233, .13) 0%, transparent 68%);
      pointer-events: none;
    }

    .hero-body {
      padding: 148px 0 100px;
      width: 100%;
      position: relative;
      z-index: 3;
    }

    /* Pill badge */
    .hero-pill {
      display: inline-flex;
      align-items: center;
      gap: 9px;
      background: rgba(14, 165, 233, .1);
      border: 1px solid rgba(14, 165, 233, .28);
      border-radius: 100px;
      padding: 6px 16px;
      font-size: 11px;
      font-weight: 700;
      color: var(--sky);
      letter-spacing: 1.2px;
      text-transform: uppercase;
      margin-bottom: 24px;
    }

    .blink {
      width: 6px;
      height: 6px;
      border-radius: 50%;
      background: var(--sky);
      animation: blink 2s ease-in-out infinite;
    }

    @keyframes blink {

      0%,
      100% {
        opacity: 1;
        transform: scale(1);
      }

      50% {
        opacity: .35;
        transform: scale(.6);
      }
    }

    #hero h1 {
      font-size: clamp(38px, 5.5vw, 72px);
      color: #fff;
      line-height: 1.07;
      margin-bottom: 22px;
      text-shadow: 0 2px 20px rgba(0, 0, 0, .3);
    }

    #hero h1 em {
      font-style: italic;
      color: var(--sky);
    }

    .hero-lead {
      font-size: 16px;
      color: rgba(255, 255, 255, .62);
      line-height: 1.78;
      max-width: 460px;
      margin-bottom: 36px;
    }

    /* CTA buttons */
    .btn-sky {
      display: inline-flex;
      align-items: center;
      gap: 9px;
      background: var(--sky);
      color: #fff;
      font-weight: 700;
      font-size: 14px;
      padding: 14px 28px;
      border-radius: var(--r-sm);
      border: none;
      transition: var(--ease);
      box-shadow: var(--sh-sky);
    }

    .btn-sky:hover {
      background: var(--sky-dark);
      color: #fff;
      transform: translateY(-2px);
      box-shadow: 0 8px 28px rgba(14, 165, 233, .45);
    }

    .btn-outline-white {
      display: inline-flex;
      align-items: center;
      gap: 9px;
      background: transparent;
      color: rgba(255, 255, 255, .78);
      font-weight: 600;
      font-size: 14px;
      padding: 13px 24px;
      border-radius: var(--r-sm);
      border: 1.5px solid rgba(255, 255, 255, .22);
      transition: var(--ease);
    }

    .btn-outline-white:hover {
      color: #fff;
      border-color: rgba(255, 255, 255, .55);
      background: rgba(255, 255, 255, .06);
    }

    .hero-tel {
      margin-top: 20px;
      font-size: 13px;
      color: rgba(255, 255, 255, .45);
    }

    .hero-tel strong {
      color: rgba(255, 255, 255, .85);
    }

    /* — Hero stats strip inside hero — */
    .hero-stats-strip {
      display: flex;
      gap: 0;
      margin-top: 48px;
      border: 1px solid rgba(255, 255, 255, .1);
      border-radius: var(--r-md);
      overflow: hidden;
      backdrop-filter: blur(12px);
      background: rgba(255, 255, 255, .04);
      max-width: 420px;
    }

    .hstat {
      flex: 1;
      padding: 16px 20px;
      border-right: 1px solid rgba(255, 255, 255, .07);
      text-align: center;
    }

    .hstat:last-child {
      border-right: none;
    }

    .hstat-val {
      font-size: 22px;
      font-weight: 800;
      color: var(--sky);
      line-height: 1;
      letter-spacing: -1px;
    }

    .hstat-lbl {
      font-size: 10px;
      color: rgba(255, 255, 255, .4);
      text-transform: uppercase;
      letter-spacing: .5px;
      margin-top: 4px;
      font-weight: 600;
    }

    /* — Hero right floating card — */
    .hero-card {
      background: rgba(255, 255, 255, .06);
      backdrop-filter: blur(28px);
      -webkit-backdrop-filter: blur(28px);
      border: 1px solid rgba(255, 255, 255, .14);
      border-radius: var(--r-lg);
      padding: 36px;
      position: relative;
      z-index: 2;
    }

    .hcard-label {
      font-size: 10.5px;
      font-weight: 700;
      letter-spacing: 1px;
      text-transform: uppercase;
      color: var(--sky);
      margin-bottom: 8px;
    }

    .hcard-title {
      font-size: 18px;
      font-weight: 700;
      color: #fff;
      margin-bottom: 4px;
      line-height: 1.25;
    }

    .hcard-sub {
      font-size: 12.5px;
      color: rgba(255, 255, 255, .45);
      margin-bottom: 22px;
    }

    .hfield {
      margin-bottom: 13px;
    }

    .hfield label {
      display: block;
      font-size: 10.5px;
      font-weight: 700;
      color: rgba(255, 255, 255, .45);
      letter-spacing: .5px;
      text-transform: uppercase;
      margin-bottom: 6px;
    }

    .hfield input,
    .hfield select {
      width: 100%;
      background: rgba(255, 255, 255, .07);
      border: 1.5px solid rgba(255, 255, 255, .12);
      border-radius: var(--r-xs);
      color: #fff;
      font-family: var(--font);
      font-size: 13.5px;
      padding: 10px 13px;
      outline: none;
      appearance: none;
      transition: var(--ease);
    }

    .hfield input::placeholder {
      color: rgba(255, 255, 255, .25);
    }

    .hfield input:focus,
    .hfield select:focus {
      border-color: var(--sky);
      background: rgba(14, 165, 233, .07);
      box-shadow: 0 0 0 3px rgba(14, 165, 233, .18);
    }

    .hfield select option {
      background: var(--navy-2);
    }

    .hcard-hr {
      border: none;
      border-top: 1px solid rgba(255, 255, 255, .08);
      margin: 18px 0;
    }

    /* ═══════════════════════════════════════════════════════
       MARQUEE TRUST BAR
    ═══════════════════════════════════════════════════════ */
    #trust-bar {
      background: var(--sky);
      padding: 0;
      overflow: hidden;
    }

    .marquee-track {
      display: flex;
      animation: marquee 28s linear infinite;
      white-space: nowrap;
    }

    .marquee-track:hover {
      animation-play-state: paused;
    }

    @keyframes marquee {
      from {
        transform: translateX(0);
      }

      to {
        transform: translateX(-50%);
      }
    }

    .marquee-item {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 13px 36px;
      font-size: 12.5px;
      font-weight: 700;
      color: rgba(255, 255, 255, .9);
      letter-spacing: .4px;
      white-space: nowrap;
      border-right: 1px solid rgba(255, 255, 255, .2);
    }

    .marquee-item i {
      font-size: 14px;
      color: rgba(255, 255, 255, .7);
    }

    /* ═══════════════════════════════════════════════════════
       STATS SECTION
    ═══════════════════════════════════════════════════════ */
    #stats {
      background: var(--navy-2);
      padding: 56px 0;
    }

    .stats-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 1px;
      background: rgba(255, 255, 255, .06);
      border-radius: var(--r-lg);
      overflow: hidden;
    }

    .stat-cell {
      background: var(--navy-2);
      padding: 36px 28px;
      text-align: center;
      transition: var(--ease);
    }

    .stat-cell:hover {
      background: rgba(14, 165, 233, .06);
    }

    .stat-icon-wrap {
      width: 48px;
      height: 48px;
      background: rgba(14, 165, 233, .12);
      border-radius: var(--r-sm);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 20px;
      color: var(--sky);
      margin: 0 auto 14px;
    }

    .stat-number {
      font-size: 40px;
      font-weight: 800;
      color: #fff;
      line-height: 1;
      letter-spacing: -2px;
      font-family: var(--font);
    }

    .stat-suffix {
      font-size: 28px;
    }

    .stat-label {
      font-size: 12px;
      color: rgba(255, 255, 255, .4);
      text-transform: uppercase;
      letter-spacing: .7px;
      font-weight: 600;
      margin-top: 6px;
    }

    /* ═══════════════════════════════════════════════════════
       SHARED SECTION STYLES
    ═══════════════════════════════════════════════════════ */
    .sec {
      padding: 100px 0;
    }

    .sec-alt {
      background: var(--off);
    }

    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      font-size: 11px;
      font-weight: 700;
      color: var(--sky);
      letter-spacing: 1.4px;
      text-transform: uppercase;
      margin-bottom: 14px;
    }

    .eyebrow::before {
      content: '';
      width: 22px;
      height: 2.5px;
      background: var(--sky);
      border-radius: 2px;
    }

    .sec-title {
      font-size: clamp(28px, 3.8vw, 46px);
      color: var(--navy);
      line-height: 1.1;
      margin-bottom: 16px;
    }

    .sec-lead {
      font-size: 16.5px;
      color: var(--muted);
      line-height: 1.78;
    }

    .sec-divider {
      width: 48px;
      height: 3px;
      background: linear-gradient(to right, var(--sky), var(--sky-dark));
      border-radius: 2px;
      margin: 18px 0 22px;
    }

    /* ═══════════════════════════════════════════════════════
       ABOUT
    ═══════════════════════════════════════════════════════ */
    .about-img-wrap {
      position: relative;
      border-radius: var(--r-xl);
      overflow: hidden;
    }

    .about-img-wrap img {
      width: 100%;
      height: 520px;
      object-fit: cover;
      display: block;
    }

    /* Teal border accent */
    .about-img-wrap::before {
      content: '';
      position: absolute;
      top: -3px;
      left: -3px;
      right: -3px;
      bottom: -3px;
      border-radius: calc(var(--r-xl) + 3px);
      background: linear-gradient(145deg, var(--sky) 0%, transparent 55%);
      z-index: -1;
    }

    /* Decorative offset shadow box */
    .about-img-wrap::after {
      content: '';
      position: absolute;
      bottom: -12px;
      right: -12px;
      width: 100%;
      height: 100%;
      border: 2px solid rgba(14, 165, 233, .2);
      border-radius: var(--r-xl);
      z-index: -2;
    }

    .about-badge {
      position: absolute;
      bottom: 24px;
      right: 24px;
      background: rgba(6, 15, 30, .92);
      backdrop-filter: blur(12px);
      border: 1px solid rgba(255, 255, 255, .1);
      border-radius: var(--r-md);
      padding: 18px 22px;
      text-align: center;
    }

    .about-badge .bval {
      font-size: 40px;
      font-weight: 800;
      color: var(--sky);
      line-height: 1;
      letter-spacing: -2px;
    }

    .about-badge .blbl {
      font-size: 11px;
      color: rgba(255, 255, 255, .5);
      margin-top: 5px;
      font-weight: 500;
    }

    .value-card {
      display: flex;
      gap: 14px;
      align-items: flex-start;
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--r-sm);
      padding: 18px 20px;
      box-shadow: var(--sh-sm);
      transition: var(--ease);
    }

    .value-card:hover {
      border-color: rgba(14, 165, 233, .3);
      box-shadow: var(--sh-md);
      transform: translateX(5px);
    }

    .vc-icon {
      width: 38px;
      height: 38px;
      flex-shrink: 0;
      background: var(--sky-xl);
      border-radius: var(--r-xs);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 17px;
      color: var(--sky);
    }

    .vc-body h5 {
      font-size: 13.5px;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 3px;
    }

    .vc-body p {
      font-size: 12.5px;
      color: var(--muted);
      line-height: 1.6;
      margin: 0;
    }

    /* ═══════════════════════════════════════════════════════
       SERVICES
    ═══════════════════════════════════════════════════════ */
    .svc-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--r-md);
      overflow: hidden;
      box-shadow: var(--sh-sm);
      transition: var(--ease);
      height: 100%;
      display: flex;
      flex-direction: column;
    }

    .svc-card:hover {
      border-color: rgba(14, 165, 233, .3);
      box-shadow: var(--sh-lg);
      transform: translateY(-6px);
    }

    .svc-img {
      position: relative;
      overflow: hidden;
    }

    .svc-img img {
      width: 100%;
      height: 208px;
      object-fit: cover;
      transition: transform .55s ease;
    }

    .svc-card:hover .svc-img img {
      transform: scale(1.06);
    }

    .svc-scrim {
      position: absolute;
      inset: 0;
      background: linear-gradient(to top, rgba(6, 15, 30, .55) 0%, transparent 55%);
    }

    .svc-chip {
      position: absolute;
      top: 14px;
      left: 14px;
      background: var(--sky);
      color: #fff;
      font-size: 10px;
      font-weight: 800;
      letter-spacing: .6px;
      text-transform: uppercase;
      padding: 3px 10px;
      border-radius: 100px;
    }

    .svc-body {
      padding: 26px;
      flex: 1;
      display: flex;
      flex-direction: column;
    }

    .svc-body-icon {
      width: 44px;
      height: 44px;
      background: var(--sky-xl);
      border-radius: var(--r-sm);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 19px;
      color: var(--sky);
      margin-bottom: 14px;
    }

    .svc-body h3 {
      font-size: 17px;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 9px;
      line-height: 1.3;
    }

    .svc-body p {
      font-size: 13.5px;
      color: var(--muted);
      line-height: 1.72;
      flex: 1;
      margin: 0;
    }

    .svc-cta {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      margin-top: 18px;
      font-size: 12.5px;
      font-weight: 700;
      color: var(--sky);
      transition: var(--ease);
    }

    .svc-cta i {
      transition: transform var(--ease);
    }

    .svc-cta:hover {
      color: var(--sky-dark);
    }

    .svc-cta:hover i {
      transform: translateX(4px);
    }

    /* ═══════════════════════════════════════════════════════
       PROCESS — timeline layout
    ═══════════════════════════════════════════════════════ */
    #process {
      background: var(--navy);
      padding: 100px 0;
      position: relative;
      overflow: hidden;
    }

    #process::before {
      content: '';
      position: absolute;
      inset: 0;
      background-image:
        linear-gradient(rgba(255, 255, 255, .016) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, .016) 1px, transparent 1px);
      background-size: 52px 52px;
    }

    #process .eyebrow {
      color: var(--sky);
    }

    #process .eyebrow::before {
      background: var(--sky);
    }

    #process .sec-title {
      color: #fff;
    }

    #process .sec-lead {
      color: rgba(255, 255, 255, .5);
    }

    /* Timeline connector line */
    .process-timeline {
      position: relative;
    }

    .process-timeline::before {
      content: '';
      position: absolute;
      top: 36px;
      left: calc(12.5% + 20px);
      right: calc(12.5% + 20px);
      height: 2px;
      background: linear-gradient(to right,
          var(--sky) 0%,
          rgba(14, 165, 233, .4) 50%,
          rgba(14, 165, 233, .15) 100%);
      z-index: 0;
    }

    .step-wrap {
      position: relative;
      z-index: 1;
      text-align: center;
    }

    .step-circle {
      width: 72px;
      height: 72px;
      background: var(--navy-3);
      border: 2px solid rgba(14, 165, 233, .4);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 20px;
      font-size: 22px;
      font-weight: 800;
      color: var(--sky);
      transition: var(--ease);
      position: relative;
    }

    .step-wrap:hover .step-circle {
      background: var(--sky);
      border-color: var(--sky);
      color: #fff;
      box-shadow: var(--sh-sky);
      transform: scale(1.08);
    }

    /* Active/completed glow ring */
    .step-circle::before {
      content: '';
      position: absolute;
      inset: -6px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(14, 165, 233, .12) 0%, transparent 70%);
    }

    .step-wrap h4 {
      font-size: 15px;
      font-weight: 700;
      color: #fff;
      margin-bottom: 8px;
    }

    .step-wrap p {
      font-size: 13px;
      color: rgba(255, 255, 255, .48);
      line-height: 1.68;
      margin: 0;
      max-width: 200px;
      margin: 0 auto;
    }

    /* ═══════════════════════════════════════════════════════
       FINANCE BAND
    ═══════════════════════════════════════════════════════ */
    #finance-band {
      position: relative;
      overflow: hidden;
      background:
        linear-gradient(130deg, var(--sky-deeper) 0%, var(--sky-dark) 50%, var(--sky) 100%);
      padding: 80px 0;
    }

    #finance-band::before {
      content: '';
      position: absolute;
      left: -80px;
      bottom: -100px;
      width: 360px;
      height: 360px;
      border-radius: 50%;
      background: rgba(255, 255, 255, .07);
      pointer-events: none;
    }

    #finance-band::after {
      content: '';
      position: absolute;
      right: -80px;
      top: -100px;
      width: 440px;
      height: 440px;
      border-radius: 50%;
      background: rgba(255, 255, 255, .05);
      pointer-events: none;
    }

    .band-pill {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(255, 255, 255, .15);
      border: 1px solid rgba(255, 255, 255, .25);
      border-radius: 100px;
      padding: 5px 14px;
      font-size: 11px;
      font-weight: 700;
      color: rgba(255, 255, 255, .85);
      letter-spacing: 1px;
      text-transform: uppercase;
      margin-bottom: 14px;
    }

    .band-title {
      font-size: clamp(24px, 3.5vw, 38px);
      color: #fff;
      line-height: 1.15;
      margin-bottom: 14px;
    }

    .band-body {
      font-size: 15px;
      color: rgba(255, 255, 255, .72);
      line-height: 1.75;
      max-width: 560px;
    }

    .band-right {
      position: relative;
      z-index: 1;
    }

    .band-phone-box {
      background: rgba(255, 255, 255, .1);
      backdrop-filter: blur(10px);
      border: 1px solid rgba(255, 255, 255, .2);
      border-radius: var(--r-md);
      padding: 28px 32px;
      text-align: center;
    }

    .band-phone-icon {
      width: 52px;
      height: 52px;
      background: rgba(255, 255, 255, .15);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 22px;
      color: #fff;
      margin: 0 auto 14px;
    }

    .band-tel {
      font-size: 28px;
      font-weight: 800;
      color: #fff;
      letter-spacing: -1px;
      line-height: 1;
    }

    .band-tel-lbl {
      font-size: 12px;
      color: rgba(255, 255, 255, .6);
      margin: 6px 0 20px;
    }

    .btn-white-solid {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      background: #fff;
      color: var(--sky-deeper) !important;
      font-weight: 700;
      font-size: 14px;
      padding: 13px 24px;
      border-radius: var(--r-sm);
      width: 100%;
      transition: var(--ease);
      box-shadow: 0 4px 16px rgba(0, 0, 0, .12);
    }

    .btn-white-solid:hover {
      transform: translateY(-2px);
      box-shadow: 0 8px 24px rgba(0, 0, 0, .18);
    }

    /* ═══════════════════════════════════════════════════════
       TESTIMONIAL
    ═══════════════════════════════════════════════════════ */
    #testimonial {
      background: var(--off);
      padding: 100px 0;
    }

    .quote-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--r-lg);
      padding: 40px;
      box-shadow: var(--sh-md);
      position: relative;
      transition: var(--ease);
      height: 100%;
    }

    .quote-card:hover {
      border-color: rgba(14, 165, 233, .25);
      box-shadow: var(--sh-lg);
      transform: translateY(-4px);
    }

    .quote-icon {
      font-size: 40px;
      line-height: 1;
      color: var(--sky);
      opacity: .25;
      margin-bottom: 16px;
      font-family: Georgia, serif;
      font-weight: 700;
    }

    .quote-text {
      font-size: 15px;
      color: var(--text);
      line-height: 1.8;
      font-style: italic;
      margin-bottom: 24px;
    }

    .quote-author {
      display: flex;
      align-items: center;
      gap: 12px;
      padding-top: 20px;
      border-top: 1px solid var(--border);
    }

    .quote-avatar {
      width: 44px;
      height: 44px;
      border-radius: 50%;
      background: var(--sky-xl);
      border: 2px solid rgba(14, 165, 233, .2);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 18px;
      color: var(--sky);
      flex-shrink: 0;
    }

    .quote-name {
      font-size: 14px;
      font-weight: 700;
      color: var(--navy);
    }

    .quote-loc {
      font-size: 12px;
      color: var(--muted);
    }

    .quote-stars {
      color: #F59E0B;
      font-size: 13px;
      margin-top: 2px;
    }

    /* ═══════════════════════════════════════════════════════
       TRUST CARDS
    ═══════════════════════════════════════════════════════ */
    #trust {
      background: var(--white);
      padding: 100px 0;
    }

    .trust-card {
      display: flex;
      align-items: flex-start;
      gap: 16px;
      background: var(--off);
      border: 1px solid var(--border);
      border-radius: var(--r-md);
      padding: 26px;
      box-shadow: var(--sh-sm);
      height: 100%;
      transition: var(--ease);
    }

    .trust-card:hover {
      border-color: rgba(14, 165, 233, .3);
      box-shadow: var(--sh-md);
      background: var(--white);
    }

    .tc-icon {
      width: 48px;
      height: 48px;
      flex-shrink: 0;
      background: var(--sky-xl);
      border-radius: var(--r-sm);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 20px;
      color: var(--sky);
    }

    .tc-body h5 {
      font-size: 14.5px;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 4px;
    }

    .tc-body p {
      font-size: 13px;
      color: var(--muted);
      line-height: 1.65;
      margin: 0;
    }

    /* ═══════════════════════════════════════════════════════
       CONTACT
    ═══════════════════════════════════════════════════════ */
    #contact {
      padding: 100px 0;
      background: var(--off);
    }

    .contact-card {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: var(--r-lg);
      padding: 44px;
      box-shadow: var(--sh-sm);
      height: 100%;
    }

    .contact-card h3 {
      font-size: 20px;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 4px;
    }

    .contact-card .sub {
      font-size: 13.5px;
      color: var(--muted);
      padding-bottom: 24px;
      margin-bottom: 28px;
      border-bottom: 1px solid var(--border);
    }

    .form-label {
      font-size: 11px;
      font-weight: 700;
      color: var(--text);
      letter-spacing: .5px;
      text-transform: uppercase;
      margin-bottom: 6px;
    }

    .form-control,
    .form-select {
      font-family: var(--font);
      font-size: 14px;
      color: var(--text);
      border: 1.5px solid var(--border);
      border-radius: var(--r-sm);
      padding: 11px 14px;
      background: var(--white);
      transition: var(--ease);
      box-shadow: none;
    }

    .form-control:focus,
    .form-select:focus {
      border-color: var(--sky);
      box-shadow: 0 0 0 3px rgba(14, 165, 233, .13);
      background: var(--white);
    }

    textarea.form-control {
      min-height: 96px;
      resize: vertical;
    }

    .btn-submit {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 9px;
      width: 100%;
      background: var(--sky);
      color: #fff;
      font-weight: 700;
      font-size: 14px;
      padding: 14px;
      border: none;
      border-radius: var(--r-sm);
      cursor: pointer;
      transition: var(--ease);
      box-shadow: var(--sh-sky);
    }

    .btn-submit:hover {
      background: var(--sky-dark);
      transform: translateY(-1px);
      box-shadow: 0 8px 22px rgba(14, 165, 233, .42);
    }

    /* Sidebar */
    .sidebar {
      background: var(--navy);
      border-radius: var(--r-lg);
      padding: 44px;
      height: 100%;
      display: flex;
      flex-direction: column;
      gap: 26px;
    }

    .sb-head h4 {
      font-size: 22px;
      font-weight: 800;
      color: #fff;
      line-height: 1.22;
      margin-bottom: 8px;
    }

    .sb-head p {
      font-size: 13.5px;
      color: rgba(255, 255, 255, .45);
      line-height: 1.7;
      margin: 0;
    }

    .sb-sep {
      border: none;
      border-top: 1px solid rgba(255, 255, 255, .07);
    }

    .sb-phone {
      display: flex;
      align-items: center;
      gap: 14px;
    }

    .sb-phone-icon {
      width: 46px;
      height: 46px;
      flex-shrink: 0;
      background: var(--sky-l);
      border: 1px solid rgba(14, 165, 233, .22);
      border-radius: var(--r-sm);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 19px;
      color: var(--sky);
    }

    .sb-phone-num {
      font-size: 20px;
      font-weight: 800;
      color: #fff;
      letter-spacing: -.5px;
    }

    .sb-phone-lbl {
      font-size: 11.5px;
      color: rgba(255, 255, 255, .38);
      margin-top: 3px;
    }

    .hours-hd {
      font-size: 10.5px;
      font-weight: 700;
      color: rgba(255, 255, 255, .38);
      text-transform: uppercase;
      letter-spacing: .9px;
      margin-bottom: 10px;
    }

    .hour-row {
      display: flex;
      justify-content: space-between;
      font-size: 13px;
      color: rgba(255, 255, 255, .52);
      padding: 6px 0;
      border-bottom: 1px solid rgba(255, 255, 255, .04);
    }

    .hour-row:last-child {
      border-bottom: none;
    }

    .hour-row b {
      color: rgba(255, 255, 255, .78);
      font-weight: 500;
    }

    .state-box {
      background: rgba(255, 255, 255, .04);
      border: 1px solid rgba(255, 255, 255, .07);
      border-radius: var(--r-sm);
      padding: 14px 16px;
    }

    .state-box p {
      font-size: 10.5px;
      font-weight: 700;
      color: rgba(255, 255, 255, .3);
      text-transform: uppercase;
      letter-spacing: .8px;
      margin-bottom: 8px;
    }

    .stags {
      display: flex;
      flex-wrap: wrap;
      gap: 5px;
    }

    .stag {
      font-size: 10.5px;
      font-weight: 700;
      color: var(--sky);
      background: rgba(14, 165, 233, .1);
      border: 1px solid rgba(14, 165, 233, .2);
      border-radius: 4px;
      padding: 2px 9px;
    }

    /* ═══════════════════════════════════════════════════════
       FOOTER
    ═══════════════════════════════════════════════════════ */
    #footer {
      background: var(--navy);
      border-top: 1px solid rgba(255, 255, 255, .05);
      padding: 64px 0 28px;
    }

    .footer-desc {
      font-size: 13.5px;
      color: rgba(255, 255, 255, .38);
      line-height: 1.75;
      max-width: 280px;
      margin-top: 14px;
    }

    .footer-col-title {
      font-size: 10.5px;
      font-weight: 700;
      color: rgba(255, 255, 255, .4);
      text-transform: uppercase;
      letter-spacing: 1px;
      margin-bottom: 16px;
    }

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

    .footer-links li {
      margin-bottom: 9px;
    }

    .footer-links a {
      font-size: 13.5px;
      color: rgba(255, 255, 255, .4);
      transition: var(--ease);
    }

    .footer-links a:hover {
      color: var(--sky);
      padding-left: 4px;
    }

    .footer-rule {
      border-color: rgba(255, 255, 255, .06);
      margin: 36px 0 22px;
    }

    .footer-bottom {
      font-size: 12.5px;
      color: rgba(255, 255, 255, .25);
    }

    .footer-bottom a {
      color: var(--sky);
    }

    .social-btn {
      width: 32px;
      height: 32px;
      background: rgba(255, 255, 255, .06);
      border-radius: var(--r-xs);
      display: inline-flex;
      align-items: center;
      justify-content: center;
      color: rgba(255, 255, 255, .4);
      font-size: 14px;
      transition: var(--ease);
    }

    .social-btn:hover {
      background: rgba(14, 165, 233, .15);
      color: var(--sky);
    }

    /* ═══════════════════════════════════════════════════════
       FLOATING MOBILE CTA
    ═══════════════════════════════════════════════════════ */
    #mob-cta {
      display: none;
      position: fixed;
      bottom: 0;
      left: 0;
      right: 0;
      z-index: 500;
      background: var(--white);
      border-top: 1px solid var(--border);
      padding: 12px 20px;
      gap: 10px;
      box-shadow: 0 -4px 24px rgba(6, 15, 30, .12);
    }

    .mob-cta-call {
      flex: 1;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      background: var(--off);
      border: 1.5px solid var(--border);
      color: var(--navy) !important;
      font-weight: 700;
      font-size: 14px;
      padding: 13px;
      border-radius: var(--r-sm);
      transition: var(--ease);
    }

    .mob-cta-call:hover {
      background: var(--border);
    }

    .mob-cta-enquire {
      flex: 1;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      background: var(--sky);
      color: #fff !important;
      font-weight: 700;
      font-size: 14px;
      padding: 13px;
      border-radius: var(--r-sm);
      transition: var(--ease);
    }

    .mob-cta-enquire:hover {
      background: var(--sky-dark);
    }

    /* Back-to-top */
    #btt {
      position: fixed;
      bottom: 28px;
      right: 28px;
      width: 42px;
      height: 42px;
      background: var(--sky);
      color: #fff;
      border: none;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 17px;
      cursor: pointer;
      opacity: 0;
      pointer-events: none;
      transform: translateY(10px);
      transition: var(--ease);
      box-shadow: var(--sh-sky);
      z-index: 99;
    }

    #btt.show {
      opacity: 1;
      pointer-events: auto;
      transform: translateY(0);
    }

    #btt:hover {
      background: var(--sky-dark);
    }

    /* ═══════════════════════════════════════════════════════
       RESPONSIVE
    ═══════════════════════════════════════════════════════ */
    @media (max-width: 991.98px) {
      .mobile-drawer {
        top: 70px;
        z-index: 0;
      }

      .hero-body {
        padding: 120px 0 64px;
      }

      .hero-card {
        margin-top: 32px;
      }

      .process-timeline::before {
        display: none;
      }

      .step-circle {
        margin-bottom: 16px;
      }

      .sidebar {
        margin-top: 24px;
      }

      .contact-card {
        padding: 28px;
      }
    }

    @media (max-width: 767.98px) {

      .nav-links,
      .nav-tel {
        display: none !important;
      }

      .hamburger {
        display: flex;
      }

      #mob-cta {
        display: flex;
      }

      body {
        padding-bottom: 68px;
      }

      #btt {
        bottom: 84px;
        right: 20px;
      }

      .stats-grid {
        grid-template-columns: 1fr 1fr;
      }

      .hero-stats-strip {
        max-width: 100%;
      }

      .process-timeline::before {
        display: none;
      }
    }