/* =============================================
   BHP Finance — Main Stylesheet  (v2 with images)
   ============================================= */

:root {
  --primary:       #0088cc;
  --primary-dark:  #006bb3;
  --primary-light: #33a5e6;
  --accent:        #e94560;
  --accent-light:  #f06b82;
  --gold:          #d4a843;
  --text:          #1a1a2e;
  --text-muted:    #6b7280;
  --bg-light:      #f8fafc;
  --white:         #ffffff;
  --border:        #e5e7eb;
  --radius:        12px;
  --shadow:        0 4px 24px rgba(0,136,204,0.10);
  --shadow-lg:     0 8px 40px rgba(0,136,204,0.15);
  --transition:    all 0.3s ease;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--text);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{text-decoration:none;transition:var(--transition)}

/* ══ Utilities ══ */
.section-padding{padding:90px 0}
.section-tag{display:inline-block;background:rgba(0,136,204,.08);color:var(--primary);font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.12em;padding:4px 14px;border-radius:50px;margin-bottom:12px}
.section-title{font-size:clamp(1.7rem,3vw,2.4rem);font-weight:800;color:var(--primary-dark);line-height:1.2;margin-bottom:16px}
.section-desc{font-size:1.05rem;color:var(--text-muted);max-width:600px;margin:0 auto}
.section-header{margin-bottom:8px}

/* ══ Top Bar ══ */
.top-bar{background:var(--primary-dark);color:rgba(255,255,255,.75);font-size:.82rem;padding:8px 0}
.top-bar a{color:rgba(255,255,255,.75);margin-right:18px}
.top-bar a:hover{color:#fff}
.top-bar a i{margin-right:5px;font-size:.75rem}
.top-bar-right{display:flex;justify-content:flex-end;gap:10px}
.top-bar-right a{color:rgba(255,255,255,.65);font-size:13px;width:26px;height:26px;display:flex;align-items:center;justify-content:center;border-radius:50%;border:1px solid rgba(255,255,255,.2);transition:var(--transition);margin:0}
.top-bar-right a:hover{background:var(--accent);border-color:var(--accent);color:#fff}

/* ══ Navbar ══ */
.main-navbar{background:rgba(255,255,255,.97);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--border);padding:14px 0;transition:var(--transition)}
.main-navbar.scrolled{box-shadow:var(--shadow)}
.logo-img{height:110px;width:auto}
.logo-text{font-size:1.4rem;font-weight:800;color:var(--primary)}
.main-navbar .nav-link{font-size:.92rem;font-weight:500;color:var(--text);padding:8px 14px!important;border-radius:8px;transition:var(--transition)}
.main-navbar .nav-link:hover,.main-navbar .nav-link.active{color:var(--primary);background:rgba(0,136,204,.07)}
.btn-nav{font-size:.88rem;font-weight:600;padding:9px 22px;border-radius:8px}

/* ══ Buttons ══ */
.btn-primary{background:var(--primary);border-color:var(--primary);color:#fff;font-weight:600;border-radius:8px;transition:var(--transition)}
.btn-primary:hover{background:var(--primary-light);border-color:var(--primary-light);transform:translateY(-1px);box-shadow:0 4px 16px rgba(0,136,204,.3)}
.btn-outline-primary{border-color:var(--primary);color:var(--primary);font-weight:600;border-radius:8px}
.btn-outline-primary:hover{background:var(--primary);color:#fff}

/* ══════════════════════════════════════════
   HERO SECTION
══════════════════════════════════════════ */
.hero-section{
  position:relative;min-height:92vh;display:flex;align-items:center;
  background:linear-gradient(135deg,rgba(0,107,179,.92) 0%,rgba(0,136,204,.88) 100%);
  background-size:cover;background-position:center;padding:130px 0 90px;overflow:hidden
}
.hero-overlay{
  position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(0,107,179,.90) 0%,rgba(0,136,204,.72) 100%)
}
.min-vh-80{min-height:80vh}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(212,168,67,.18);border:1px solid rgba(212,168,67,.45);
  color:var(--gold);font-size:.78rem;font-weight:600;text-transform:uppercase;
  letter-spacing:.1em;padding:6px 16px;border-radius:50px;margin-bottom:22px
}
.hero-title{font-size:clamp(2rem,4.5vw,3.4rem);font-weight:900;color:#fff;line-height:1.13;margin-bottom:20px}
.hero-subtitle{font-size:1.1rem;color:rgba(255,255,255,.8);margin-bottom:38px;max-width:520px}
.btn-hero{border-radius:10px;font-size:1rem;padding:14px 32px}
.hero-stats-card{
  background:rgba(255,255,255,.07);backdrop-filter:blur(14px);
  border:1px solid rgba(255,255,255,.14);border-radius:22px;
  padding:38px;display:flex;flex-direction:column;gap:30px
}
.home-banner-carousel{position:relative;overflow:hidden;background:var(--primary-dark)}
.home-banner-carousel .carousel-item{min-height:0}
.home-banner-carousel .hero-section{width:100%;min-height:clamp(540px,92vh,900px);padding:clamp(96px,12vh,140px) 0 100px;background-size:cover;background-position:center}
.home-banner-carousel .min-vh-80{min-height:clamp(360px,72vh,720px)}
.home-banner-carousel .hero-title,.home-banner-carousel .hero-subtitle{overflow-wrap:anywhere}
.home-banner-carousel .carousel-control-prev,.home-banner-carousel .carousel-control-next{z-index:4;width:7%;opacity:.9}
.home-banner-carousel .carousel-control-prev-icon,.home-banner-carousel .carousel-control-next-icon{width:2.5rem;height:2.5rem;filter:drop-shadow(0 2px 5px rgba(0,0,0,.55))}
.home-banner-carousel .carousel-indicators{z-index:4;margin-bottom:24px}
.home-banner-carousel .carousel-indicators [data-bs-target]{width:30px;height:4px;border:0;border-radius:4px}
.stat-item{text-align:center}
.stat-number{font-size:2.1rem;font-weight:800;color:#fff}
.stat-label{font-size:.84rem;color:rgba(255,255,255,.65);text-transform:uppercase;letter-spacing:.06em}
.stat-divider{height:1px;background:rgba(255,255,255,.14)}
.hero-wave{position:absolute;bottom:0;left:0;right:0;line-height:0}
.hero-wave svg{display:block}

/* ══════════════════════════════════════════
   SERVICE CARDS (home page — with thumb image)
══════════════════════════════════════════ */
.service-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;transition:var(--transition);height:100%;display:flex;flex-direction:column
}
.service-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--primary)}
.service-thumb{position:relative;height:190px;overflow:hidden}
.service-thumb img{width:100%;height:100%;object-fit:cover;transition:transform .45s ease}
.service-card:hover .service-thumb img{transform:scale(1.07)}
.service-thumb-overlay{
  position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 40%,rgba(10,22,40,.55) 100%)
}
.service-icon-badge{
  position:absolute;bottom:12px;left:16px;
  width:44px;height:44px;border-radius:10px;
  background:var(--primary);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:1.1rem;
  box-shadow:0 4px 14px rgba(0,0,0,.3)
}
.service-body{padding:22px 24px;flex:1;display:flex;flex-direction:column}
.service-title{font-size:1.05rem;font-weight:700;color:var(--primary-dark);margin-bottom:10px}
.service-desc{font-size:.88rem;color:var(--text-muted);line-height:1.65;flex:1;margin-bottom:16px}
.service-link{font-size:.87rem;font-weight:600;color:var(--primary);display:inline-flex;align-items:center;gap:6px}
.service-link i{font-size:.75rem;transition:var(--transition)}
.service-card:hover .service-link i{transform:translateX(4px)}

/* ══════════════════════════════════════════
   ABOUT INTRO
══════════════════════════════════════════ */
.about-img-wrapper{position:relative;display:inline-block;width:100%}
.experience-badge{
  position:absolute;bottom:-20px;right:20px;
  background:var(--primary);color:#fff;padding:16px 20px;
  border-radius:12px;text-align:center;box-shadow:var(--shadow)
}
.exp-num{display:block;font-size:1.8rem;font-weight:800;line-height:1}
.exp-text{font-size:.75rem;opacity:.85;text-transform:uppercase;letter-spacing:.05em}
.about-img-badge-tl{
  position:absolute;top:16px;left:16px;
  background:rgba(51,165,230,.82);backdrop-filter:blur(8px);
  color:#fff;padding:8px 14px;border-radius:8px;
  font-size:.8rem;font-weight:600;display:flex;align-items:center;gap:8px
}
.about-img-badge-tl i{color:var(--gold)}
.about-features-list{list-style:none;padding:0;margin:20px 0}
.about-features-list li{display:flex;align-items:center;gap:12px;margin-bottom:12px;font-size:1.05rem;font-weight:500}
.about-features-list li i{color:var(--primary);background:rgba(51,165,230,.08);padding:6px;border-radius:50%}

/* ══════════════════════════════════════════
   COUNTER SECTION
══════════════════════════════════════════ */
.counter-bg-overlay{
  position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(10,22,40,.88) 0%,rgba(15,52,96,.82) 100%)
}
.counter-item{padding:10px}
.counter-icon{font-size:2.2rem;opacity:.7;margin-bottom:12px}
.counter-number{font-size:2.6rem;font-weight:900;color:#fff;line-height:1}
.counter-label{font-size:.84rem;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.08em;margin-top:6px}

/* ══════════════════════════════════════════
   WHY US CARDS
══════════════════════════════════════════ */
.why-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:32px 24px;text-align:center;transition:var(--transition);height:100%
}
.why-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--primary)}
.why-icon{
  width:68px;height:68px;background:rgba(0,136,204,.07);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 20px;font-size:1.5rem;color:var(--primary);transition:var(--transition)
}
.why-card:hover .why-icon{background:var(--primary);color:#fff}
.why-card h5{font-size:1rem;font-weight:700;color:var(--primary-dark);margin-bottom:10px}
.why-card p{font-size:.88rem;color:var(--text-muted);margin:0}

/* ══════════════════════════════════════════
   MARKET TEASER — image card
══════════════════════════════════════════ */
.market-list{list-style:none;padding:0;margin:20px 0}
.market-list li{display:flex;align-items:center;gap:12px;padding:9px 0;font-size:.95rem;border-bottom:1px solid var(--border)}
.market-list li:last-child{border:0}
.market-list li i{color:var(--primary);width:22px}
.market-img-card{position:relative;border-radius:var(--radius);overflow:hidden}
.market-img-card img{display:block;width:100%;height:360px;object-fit:cover;border-radius:var(--radius)}
.market-img-badge{
  position:absolute;bottom:20px;left:20px;
  background:rgba(255,255,255,.92);backdrop-filter:blur(10px);
  padding:12px 18px;border-radius:10px;box-shadow:var(--shadow)
}

/* ══════════════════════════════════════════
   TESTIMONIALS
══════════════════════════════════════════ */
.testimonial-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:32px 28px;transition:var(--transition);height:100%;position:relative
}
.testimonial-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px);border-color:var(--primary)}
.testimonial-quote{font-size:2rem;color:rgba(15,52,96,.12);margin-bottom:8px;line-height:1}
.testimonial-stars{margin-bottom:14px;font-size:.9rem;display:flex;gap:3px}
.testimonial-text{font-size:.95rem;color:var(--text-muted);font-style:italic;line-height:1.75;margin-bottom:20px}
.testimonial-author{display:flex;align-items:center;gap:14px}
.author-avatar-img{width:48px;height:48px;border-radius:50%;object-fit:cover;border:2px solid var(--border)}
.author-avatar{width:48px;height:48px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.1rem;flex-shrink:0}
.author-name{font-weight:700;font-size:.95rem;color:var(--text)}
.author-role{font-size:.8rem;color:var(--text-muted)}

/* ══════════════════════════════════════════
   CTA SECTION
══════════════════════════════════════════ */
.cta-section{padding:0 0 80px}
.cta-inner{
  background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);
  border-radius:20px;padding:56px 48px;color:#fff
}
.cta-inner h2{font-size:clamp(1.5rem,3vw,2rem);font-weight:800;margin-bottom:10px}
.cta-inner p{font-size:1rem;opacity:.85;margin:0}
.btn-light:hover{background:#f8f9fa}

/* ══════════════════════════════════════════
   PAGE HERO  (inner pages)
══════════════════════════════════════════ */
.page-hero{
  background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%);
  padding:110px 0 70px;color:#fff
}
.page-hero.page-hero-img{
  background-size:cover;background-position:center;position:relative
}
.page-hero-overlay{
  position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(0,107,179,.88) 0%,rgba(0,136,204,.78) 100%)
}
.page-hero h1{font-size:clamp(1.9rem,3.2vw,3rem);font-weight:800;margin-top:12px;margin-bottom:12px}
.page-hero p{font-size:1.05rem;opacity:.82;max-width:580px}
.breadcrumb-light .breadcrumb-item,
.breadcrumb-light .breadcrumb-item a{color:rgba(255,255,255,.65);font-size:.85rem}
.breadcrumb-light .breadcrumb-item.active{color:#fff}
.breadcrumb-light .breadcrumb-item+.breadcrumb-item::before{color:rgba(255,255,255,.4)}

/* ══════════════════════════════════════════
   ABOUT PAGE — overview image
══════════════════════════════════════════ */
.about-overview-img{position:relative;border-radius:var(--radius);overflow:hidden}
.about-overview-img img{display:block;width:100%;height:440px;object-fit:cover;border-radius:var(--radius)}
.overview-img-badge{
  position:absolute;bottom:20px;right:20px;
  background:var(--primary);color:#fff;
  padding:12px 18px;border-radius:10px;
  font-size:.85rem;font-weight:600;
  display:flex;align-items:center;gap:8px;
  box-shadow:var(--shadow)
}
.overview-img-badge i{color:var(--gold);font-size:1rem}

/* About stat boxes */
.about-stat-box{background:var(--bg-light);border:1px solid var(--border);border-radius:10px;padding:20px 16px;text-align:center}
.about-stat-box .stat-number{font-size:1.8rem;font-weight:800}
.about-stat-box .stat-label{font-size:.82rem;color:var(--text-muted);margin-top:4px}

/* ══════════════════════════════════════════
   MISSION & VISION CARDS — image style
══════════════════════════════════════════ */
.mv-card{
  background:#fff;border:1px solid var(--border);
  border-radius:var(--radius);overflow:hidden;
  height:100%;transition:var(--transition)
}
.mv-card:hover{box-shadow:var(--shadow-lg);border-color:var(--primary)}
.mv-card-img{position:relative;height:200px;overflow:hidden}
.mv-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .45s ease}
.mv-card:hover .mv-card-img img{transform:scale(1.06)}
.mv-card-img-overlay{
  position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 30%,rgba(10,22,40,.65) 100%);
  display:flex;align-items:flex-end;justify-content:flex-end;padding:16px
}
.mv-icon{
  width:54px;height:54px;background:var(--primary);
  border-radius:12px;display:flex;align-items:center;
  justify-content:center;font-size:1.4rem;color:#fff;
  box-shadow:0 4px 14px rgba(0,0,0,.3)
}
.mv-card-body{padding:28px 32px}
.mv-card-body h3{font-size:1.4rem;font-weight:800;color:var(--primary-dark);margin-bottom:14px}
.mv-card-body p{font-size:.95rem;color:var(--text-muted);line-height:1.75}

/* ══════════════════════════════════════════
   VALUE CARDS
══════════════════════════════════════════ */
.value-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:28px;text-align:center;transition:var(--transition);height:100%
}
.value-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.value-icon{
  width:60px;height:60px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;margin:0 auto 18px;transition:var(--transition)
}
.value-card:hover .value-icon{filter:brightness(1.15)}
.value-card h5{font-size:.95rem;font-weight:700;margin-bottom:8px}
.value-card p{font-size:.85rem;color:var(--text-muted);margin:0}

/* ══════════════════════════════════════════
   TEAM CARDS
══════════════════════════════════════════ */
.team-card{
  background:#fff;border-radius:var(--radius);
  overflow:hidden;transition:var(--transition);text-align:center
}
.team-card:hover{box-shadow:0 12px 40px rgba(0,0,0,.25);transform:translateY(-6px)}
.team-img{aspect-ratio:3/4;overflow:hidden;background:var(--bg-light);display:flex;align-items:center;justify-content:center}
.team-img img{width:100%;height:100%;object-fit:cover;object-position:center;transition:transform .45s ease}
.team-card:hover .team-img img{transform:scale(1.07)}
#team .team-img{background:#fff}
#team .team-img img{object-fit:contain;object-position:center bottom}
.team-avatar{width:80px;height:80px;background:var(--primary);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:2rem;font-weight:700}
.team-info{padding:20px}
.team-info h5{font-size:.95rem;font-weight:700;color:var(--text);margin-bottom:4px}
.team-info p{font-size:.82rem;color:var(--text-muted);margin-bottom:14px}
.team-social a{
  display:inline-flex;width:32px;height:32px;
  background:var(--bg-light);border-radius:50%;
  align-items:center;justify-content:center;
  color:var(--text-muted);font-size:.75rem;margin:0 3px;transition:var(--transition)
}
.team-social a:hover{background:var(--primary);color:#fff}

/* ══════════════════════════════════════════
   CERTIFICATIONS
══════════════════════════════════════════ */
.cert-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:30px 20px;transition:var(--transition)}
.cert-card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:var(--primary)}
.cert-card i{font-size:2.2rem;color:var(--primary);margin-bottom:12px;display:block}
.cert-card h6{font-weight:700;color:var(--primary-dark);margin-bottom:4px}
.cert-card small{color:var(--text-muted)}

/* ══════════════════════════════════════════
   SERVICES PAGE — full cards
══════════════════════════════════════════ */
.service-card-full{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;transition:var(--transition);height:100%;display:flex;flex-direction:column
}
.service-card-full:hover{box-shadow:var(--shadow-lg);transform:translateY(-5px)}
.service-card-img{height:200px;overflow:hidden;position:relative}
.service-card-img img{width:100%;height:100%;object-fit:cover;transition:transform .45s ease}
.service-card-full:hover .service-card-img img{transform:scale(1.06)}
.service-card-img-overlay{
  position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 50%,rgba(10,22,40,.45) 100%)
}
.service-card-body{padding:28px;flex:1;display:flex;flex-direction:column}
.service-icon-sm,.service-icon-lg{
  width:52px;height:52px;background:rgba(15,52,96,.08);border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.2rem;color:var(--primary);margin-bottom:16px;transition:var(--transition)
}
.service-icon-lg{width:64px;height:64px;font-size:1.5rem;border-radius:14px}
.service-card-full:hover .service-icon-sm,.service-card-full:hover .service-icon-lg{background:var(--primary);color:#fff}
.service-card-body h4{font-size:1.05rem;font-weight:700;color:var(--primary-dark);margin-bottom:10px}
.service-card-body p{font-size:.9rem;color:var(--text-muted);margin-bottom:14px;flex:1}
.service-features{list-style:none;padding:0;margin-bottom:0}
.service-features li{font-size:.85rem;color:var(--text-muted);padding:4px 0;display:flex;align-items:center;gap:8px}
.service-features li i{color:var(--primary);font-size:.8rem}

/* ══════════════════════════════════════════
   PROCESS CARDS (services page)
══════════════════════════════════════════ */
.process-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:32px 24px;text-align:center;transition:var(--transition);height:100%;position:relative
}
.process-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--primary)}
.process-num{
  position:absolute;top:16px;right:20px;
  font-size:2.8rem;font-weight:900;color:rgba(15,52,96,.07);line-height:1
}
.process-icon{
  width:64px;height:64px;background:rgba(15,52,96,.08);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;color:var(--primary);margin:0 auto 18px;transition:var(--transition)
}
.process-card:hover .process-icon{background:var(--primary);color:#fff}
.process-card h5{font-size:1rem;font-weight:700;color:var(--primary-dark);margin-bottom:10px}
.process-card p{font-size:.88rem;color:var(--text-muted);margin:0}

/* ══════════════════════════════════════════
   EMI CALCULATOR
══════════════════════════════════════════ */
.emi-section .form-range::-webkit-slider-thumb{background:var(--primary)}
.range-value{font-weight:700;color:var(--primary);margin-top:6px;font-size:.95rem}
.emi-result-card{background:var(--primary-dark);border-radius:16px;padding:36px;color:#fff}
.emi-result-header{font-size:.83rem;text-transform:uppercase;letter-spacing:.12em;opacity:.6;margin-bottom:8px}
.emi-main-value{font-size:3.2rem;font-weight:900;color:var(--gold);margin-bottom:24px;line-height:1}
.emi-breakdown{border-top:1px solid rgba(255,255,255,.1);padding-top:20px}
.breakdown-item{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid rgba(255,255,255,.07)}
.breakdown-item .label{opacity:.7;font-size:.88rem}
.breakdown-item .value{font-weight:600;font-size:.9rem}
.breakdown-item.total{border-top:2px solid rgba(255,255,255,.18);border-bottom:0;margin-top:8px;padding-top:12px}
.breakdown-item.total .label,.breakdown-item.total .value{font-size:1rem;font-weight:700;color:#fff;opacity:1}

/* ══════════════════════════════════════════
   MARKET ANALYSIS PAGE
══════════════════════════════════════════ */
.market-ticker-card{background:#fff;border:1px solid var(--border);border-radius:10px;padding:16px 12px;text-align:center;transition:var(--transition)}
.market-ticker-card.up{border-top:3px solid #10b981}
.market-ticker-card.down{border-top:3px solid var(--accent)}
.ticker-name{font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted);margin-bottom:6px}
.ticker-value{font-size:1rem;font-weight:700;color:var(--text)}
.ticker-change{font-size:.8rem;font-weight:600;margin-top:4px}
.market-ticker-card.up .ticker-change{color:#10b981}
.market-ticker-card.down .ticker-change{color:var(--accent)}

.analysis-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:var(--transition)}
.analysis-card:hover{box-shadow:var(--shadow-lg)}
.analysis-img{width:100%;object-fit:cover;min-height:180px;display:block}
.analysis-body{padding:28px}
.analysis-tag{background:rgba(15,52,96,.08);color:var(--primary);font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;padding:3px 10px;border-radius:4px}
.analysis-body h4{font-size:1.1rem;font-weight:700;color:var(--primary-dark);margin:10px 0 8px}
.analysis-content{font-size:.9rem;color:var(--text-muted);line-height:1.75}
.analysis-meta{display:flex;align-items:center;margin-top:16px;color:var(--text-muted);font-size:.82rem}

/* Investment product cards */
.product-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;transition:var(--transition);height:100%;
  display:flex;flex-direction:column
}
.product-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px);border-color:var(--primary)}
.product-img{height:150px;overflow:hidden;position:relative}
.product-img img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.product-card:hover .product-img img{transform:scale(1.06)}
.product-img-overlay{
  position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 40%,rgba(10,22,40,.5) 100%)
}
.product-icon{
  width:52px;height:52px;background:rgba(15,52,96,.08);border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  font-size:1.3rem;color:var(--primary);margin:18px auto 12px;transition:var(--transition)
}
.product-card:hover .product-icon{background:var(--primary);color:#fff}
.product-card h5{font-size:1rem;font-weight:700;color:var(--primary-dark);margin-bottom:8px;text-align:center;padding:0 16px}
.product-card>p{font-size:.88rem;color:var(--text-muted);margin-bottom:0;text-align:center;padding:0 16px;flex:1}
.product-meta{border-top:1px solid var(--border);padding:14px 16px 0}
.meta-item{display:flex;justify-content:space-between;font-size:.82rem;padding:3px 0}
.meta-label{color:var(--text-muted)}
.meta-value{font-weight:600}
.product-card .btn{margin:12px 16px 16px}

/* Disclaimer */
.disclaimer-box{
  background:rgba(15,52,96,.05);border:1px solid rgba(15,52,96,.12);
  border-left:4px solid var(--primary);border-radius:8px;
  padding:16px 20px;font-size:.84rem;color:var(--text-muted);line-height:1.6
}
.disclaimer-box i{color:var(--primary)}

/* ══════════════════════════════════════════
   CONTACT PAGE
══════════════════════════════════════════ */
.contact-quick-section{margin-top:-60px;padding-bottom:0;position:relative;z-index:10}
.contact-quick-row{padding:0 0 20px}
.contact-quick-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:28px 22px;text-align:center;transition:var(--transition);
  box-shadow:var(--shadow);height:100%
}
.contact-quick-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--primary)}
.cq-icon{
  width:52px;height:52px;background:rgba(15,52,96,.08);border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1.2rem;color:var(--primary);margin:0 auto 14px;transition:var(--transition)
}
.contact-quick-card:hover .cq-icon{background:var(--primary);color:#fff}
.contact-quick-card h6{font-weight:700;color:var(--primary-dark);margin-bottom:6px}
.contact-quick-card p,.contact-quick-card a{font-size:.88rem;color:var(--text-muted);margin:0}
.contact-quick-card a:hover{color:var(--primary)}

/* Office image block */
.contact-office-img{position:relative;border-radius:var(--radius);overflow:hidden}
.contact-office-img img{display:block;width:100%;height:280px;object-fit:cover;border-radius:var(--radius)}
.contact-office-badge{
  position:absolute;bottom:16px;left:16px;
  background:rgba(255,255,255,.93);backdrop-filter:blur(8px);
  padding:10px 16px;border-radius:8px;
  font-size:.83rem;font-weight:600;color:var(--primary-dark);
  display:flex;align-items:center;gap:8px;box-shadow:var(--shadow)
}
.contact-office-badge i{color:var(--primary)}

.contact-info-cards{display:flex;flex-direction:column;gap:12px}
.contact-info-card{
  display:flex;align-items:flex-start;gap:14px;background:#fff;
  border:1px solid var(--border);border-radius:10px;padding:18px
}
.ci-icon{
  width:40px;height:40px;background:rgba(15,52,96,.08);border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  color:var(--primary);font-size:.95rem;flex-shrink:0
}
.ci-body h6{font-size:.84rem;font-weight:700;color:var(--primary-dark);margin-bottom:4px}
.ci-body p,.ci-body a{font-size:.86rem;color:var(--text-muted);margin:0}
.ci-body a:hover{color:var(--primary)}
.social-links-contact{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.social-links-contact h6{width:100%;margin-bottom:8px;font-size:.9rem;font-weight:700}
.social-btn{
  width:38px;height:38px;background:var(--primary);color:#fff;
  border-radius:8px;display:flex;align-items:center;justify-content:center;
  font-size:.85rem;transition:var(--transition)
}
.social-btn:hover{background:var(--accent);transform:translateY(-2px)}
.contact-form-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:40px}
.map-section{overflow:hidden}
.map-section iframe{display:block}

/* ══════════════════════════════════════════
   FOOTER
══════════════════════════════════════════ */
.main-footer{background:var(--primary-dark)}
.footer-top{padding:70px 0 50px}
.footer-logo img{height:110px}
.footer-desc{font-size:.88rem;color:rgba(255,255,255,.9);margin:16px 0 20px;line-height:1.75}
.social-links{display:flex;gap:10px}
.social-link{width:34px;height:34px;background:rgba(255,255,255,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.7);font-size:.8rem;transition:var(--transition)}
.social-link:hover{background:var(--primary-light);color:#fff}
.footer-title{font-size:.92rem;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:.06em;margin-bottom:18px;padding-bottom:10px;border-bottom:2px solid rgba(255,255,255,.1)}
.footer-content{font-size:.88rem;color:rgba(255,255,255,.9)}
.footer-content a{color:rgba(255,255,255,.9);display:block;margin-bottom:8px;transition:var(--transition)}
.footer-content a:hover{color:#fff;padding-left:4px}
.footer-contact-list{list-style:none;padding:0}
.footer-contact-list li{display:flex;align-items:flex-start;gap:10px;font-size:.85rem;color:rgba(255,255,255,.9);margin-bottom:12px}
.footer-contact-list li i{color:var(--gold);margin-top:2px;flex-shrink:0}
.footer-contact-list li a{color:rgba(255,255,255,.9);transition:var(--transition)}
.footer-contact-list li a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.2);padding:20px 0}
.footer-bottom p,.footer-bottom a{font-size:.82rem;color:rgba(255,255,255,.8)}
.footer-bottom a:hover{color:#fff}

/* ══════════════════════════════════════════
   BACK TO TOP
══════════════════════════════════════════ */
.back-to-top{position:fixed;bottom:24px;right:24px;width:44px;height:44px;background:var(--primary);color:#fff;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:.9rem;opacity:0;transform:translateY(12px);transition:var(--transition);z-index:999;pointer-events:none}
.back-to-top.visible{opacity:1;transform:translateY(0);pointer-events:all}
.back-to-top:hover{background:var(--accent);color:#fff}

/* ══════════════════════════════════════════
   RESPONSIVE
══════════════════════════════════════════ */
@media (max-width:991px){
  .section-padding{padding:70px 0}
  .hero-section{min-height:auto;padding:110px 0 80px}
  .home-banner-carousel .hero-section{min-height:620px;padding:104px 0 90px}
  .home-banner-carousel .min-vh-80{min-height:0}
  .home-banner-carousel .hero-stats-card{padding:24px;gap:18px}
  .home-banner-carousel .stat-number{font-size:1.7rem}
  .cta-inner{padding:40px 28px}
  .about-img-wrapper{text-align:center;margin-bottom:30px}
  .about-overview-img img{height:320px}
  .market-img-card img{height:280px}
  .service-thumb{height:160px}
  .contact-quick-section{margin-top:-40px}
  /* Contact: left column stacks above form on tablet */
  .contact-form-card{padding:32px 24px}
  .branch-card .branch-img img{height:200px !important}
}
@media (max-width:767px){
  .section-padding{padding:56px 0}
  .top-bar{display:none}
  .hero-title{font-size:2rem}
  .hero-btns .btn{display:block;width:100%;margin:8px 0!important}
  .home-banner-carousel .hero-section{min-height:0;padding:94px 0 100px;background-position:center}
  .home-banner-carousel .hero-section>.container{padding-left:24px;padding-right:24px}
  .home-banner-carousel .hero-section .row{min-height:0}
  .home-banner-carousel .hero-section .col-lg-8{text-align:center}
  .home-banner-carousel .hero-badge{font-size:.68rem;letter-spacing:.06em;white-space:normal;justify-content:center;max-width:100%}
  .home-banner-carousel .hero-title{font-size:clamp(1.8rem,7vw,2.5rem);line-height:1.16;margin-bottom:14px}
  .home-banner-carousel .hero-subtitle{font-size:clamp(.94rem,3.7vw,1.08rem);line-height:1.55;margin:0 auto 22px;max-width:38rem}
  .home-banner-carousel .hero-btns{max-width:360px;margin:0 auto}
  .home-banner-carousel .hero-btns .btn{min-height:48px;padding:12px 18px}
  .home-banner-carousel .carousel-control-prev,.home-banner-carousel .carousel-control-next{top:auto;bottom:8px;width:42px;height:42px;border-radius:50%;background:rgba(0,38,74,.55)}
  .home-banner-carousel .carousel-control-prev{left:calc(50% - 50px)}
  .home-banner-carousel .carousel-control-next{right:auto;left:calc(50% + 8px)}
  .home-banner-carousel .carousel-control-prev-icon,.home-banner-carousel .carousel-control-next-icon{width:1.4rem;height:1.4rem}
  .home-banner-carousel .carousel-indicators{bottom:44px;margin-bottom:0}
  .contact-form-card{padding:24px 18px}
  .cta-inner{padding:32px 20px}
  .market-img-card img{height:220px}
  .mv-card-img{height:160px}
  .contact-office-img img{height:200px}
  .contact-quick-section{margin-top:0}
  .about-img-badge-tl{display:none}
  /* Contact quick cards: 2 per row */
  .contact-quick-card{padding:22px 16px}
  .cq-icon{width:44px;height:44px;font-size:1rem;margin-bottom:10px}
  /* Contact location heading */
  .col-lg-5 .fw-bold{font-size:1.45rem !important}
  /* HQ branch card inside form section */
  .col-lg-5 .branch-card .branch-img img{height:190px !important}
  .branch-body{padding:14px}
  /* Form card */
  .contact-form-card h3{font-size:1.3rem}
  /* Map */
  .map-section iframe{height:320px}
}
@media (max-width:575px){
  .section-padding{padding:44px 0}
  .home-banner-carousel .hero-section{padding:82px 0 96px}
  .home-banner-carousel .hero-section>.container{padding-left:20px;padding-right:20px}
  .home-banner-carousel .hero-badge{font-size:.62rem;padding:6px 11px}
  .home-banner-carousel .hero-title{font-size:clamp(1.65rem,8vw,2.15rem)}
  .home-banner-carousel .hero-subtitle{font-size:.92rem}
  .home-banner-carousel .carousel-indicators [data-bs-target]{width:22px}
  /* Quick cards: 1 per row */
  .contact-quick-section{margin-top:0}
  .contact-quick-card{padding:20px 14px;text-align:left;display:flex;align-items:flex-start;gap:14px}
  .cq-icon{margin:0;flex-shrink:0;width:40px;height:40px;font-size:.95rem}
  /* Location label & heading */
  .col-lg-5 .section-tag{font-size:.72rem}
  .col-lg-5 .fw-bold{font-size:1.25rem !important}
  .col-lg-5 > p.text-muted{font-size:.88rem}
  /* HQ card image */
  .col-lg-5 .branch-card .branch-img img{height:170px !important}
  .branch-city-label{font-size:.95rem}
  /* Contact info card */
  .contact-info-card{padding:14px}
  .ci-icon{width:36px;height:36px;font-size:.85rem}
  /* Form */
  .contact-form-card{padding:20px 14px;border-radius:10px}
  .contact-form-card h3{font-size:1.15rem}
  .contact-form-card p.text-muted{font-size:.86rem}
  /* Row g-5 becomes tighter */
  .row.g-5{--bs-gutter-x:1rem;--bs-gutter-y:1.5rem}
  /* Social buttons */
  .social-btn{width:34px;height:34px;font-size:.8rem;border-radius:7px}
  /* Map */
  .map-section iframe{height:260px}
}
@media (max-width:480px){
  .home-banner-carousel .hero-section{padding-top:76px;padding-bottom:94px}
  .home-banner-carousel .hero-section>.container{padding-left:16px;padding-right:16px}
  /* Page hero */
  .page-hero{padding:90px 0 40px}
  .page-hero h1{font-size:1.65rem}
  .page-hero p{font-size:.9rem}
  /* Quick card icons inline */
  .cq-icon{width:36px;height:36px;font-size:.85rem}
  /* Branch card */
  .branch-body{padding:12px}
  .branch-address{font-size:.8rem}
  .branch-contact-link{font-size:.8rem}
  .branch-hours{font-size:.75rem}
  /* Form */
  .contact-form-card{padding:16px 12px}
  .contact-form-card .btn-lg{width:100%;justify-content:center}
  /* Social */
  .social-links-contact{gap:8px}
  /* Map */
  .map-section iframe{height:220px}
}

/* ══════════════════════════════════════════
   AI CHATBOT WIDGET
   Loaded globally across all pages
══════════════════════════════════════════ */
#bhp-chatbot-btn { position:fixed; bottom:28px; right:28px; width:58px; height:58px; border-radius:50%; background:linear-gradient(135deg,var(--primary),var(--primary-dark)); color:#fff; border:none; box-shadow:0 6px 24px rgba(0,136,204,.45); cursor:pointer; z-index:9999; display:flex; align-items:center; justify-content:center; font-size:1.4rem; transition:var(--transition); }
#bhp-chatbot-btn:hover { transform:scale(1.08); box-shadow:0 8px 30px rgba(0,136,204,.6); }
#bhp-chatbot-btn .chat-badge { position:absolute; top:-4px; right:-4px; width:18px; height:18px; border-radius:50%; background:var(--accent); color:#fff; font-size:.6rem; font-weight:700; display:flex; align-items:center; justify-content:center; border:2px solid #fff; }
#bhp-chatbot-window { position:fixed; bottom:98px; right:28px; width:370px; max-height:500px; background:#fff; border-radius:18px; box-shadow:0 12px 50px rgba(0,0,0,.18); z-index:9998; display:none; flex-direction:column; overflow:hidden; border:1px solid var(--border); }
#bhp-chatbot-window.open { display:flex; }
.chatbot-header { background:linear-gradient(135deg,var(--primary-dark),var(--primary)); padding:16px 20px; display:flex; align-items:center; justify-content:space-between; }
.chatbot-header .bot-info { display:flex; align-items:center; gap:12px; }
.chatbot-header .bot-avatar { width:36px; height:36px; border-radius:50%; background:rgba(255,255,255,.2); display:flex; align-items:center; justify-content:center; color:#fff; font-size:1rem; }
.chatbot-header .bot-name { font-weight:700; color:#fff; font-size:.95rem; }
.chatbot-header .bot-status { font-size:.72rem; color:rgba(255,255,255,.7); }
.chatbot-header button { background:none; border:none; color:rgba(255,255,255,.7); font-size:1rem; cursor:pointer; padding:0; }
.chatbot-header button:hover { color:#fff; }
.chatbot-messages { flex:1; overflow-y:auto; padding:16px; display:flex; flex-direction:column; gap:12px; max-height:340px; }
.chat-msg { display:flex; gap:8px; align-items:flex-end; }
.chat-msg.bot { flex-direction:row; }
.chat-msg.user { flex-direction:row-reverse; }
.chat-msg .avatar { width:28px; height:28px; border-radius:50%; background:rgba(0,136,204,.12); display:flex; align-items:center; justify-content:center; font-size:.75rem; color:var(--primary); flex-shrink:0; }
.chat-msg .bubble { max-width:78%; padding:10px 14px; border-radius:14px; font-size:.86rem; line-height:1.5; }
.chat-msg.bot .bubble { background:#f1f5f9; color:var(--text); border-bottom-left-radius:4px; }
.chat-msg.user .bubble { background:linear-gradient(135deg,var(--primary),var(--primary-light)); color:#fff; border-bottom-right-radius:4px; }
.chatbot-input { padding:14px 16px; border-top:1px solid var(--border); display:flex; gap:10px; }
.chatbot-input input { flex:1; border:1px solid var(--border); border-radius:10px; padding:9px 14px; font-size:.87rem; outline:none; }
.chatbot-input input:focus { border-color:var(--primary); }
.chatbot-input button { width:38px; height:38px; border-radius:10px; background:var(--primary); color:#fff; border:none; display:flex; align-items:center; justify-content:center; cursor:pointer; flex-shrink:0; }
.chatbot-quick-btns { padding:0 16px 12px; display:flex; gap:8px; flex-wrap:wrap; }
.chatbot-quick-btn { font-size:.75rem; padding:5px 12px; border-radius:20px; border:1px solid var(--primary); color:var(--primary); background:transparent; cursor:pointer; transition:var(--transition); }
.chatbot-quick-btn:hover { background:var(--primary); color:#fff; }