/* ============================================================
   BANQUE D'ESCOMPTE — Global Stylesheet
   Fintech Premium UI — v1.0
   ============================================================ */

/* ── Custom Properties ── */
:root {
  --navy:        #0A1F44;
  --navy-mid:    #0D2454;
  --navy-light:  #122b5e;
  --gold:        #C9A227;
  --gold-light:  #e0b93d;
  --gold-pale:   #f5e8c0;
  --white:       #FFFFFF;
  --off-white:   #F8F9FC;
  --gray-50:     #F4F6FA;
  --gray-100:    #E8ECF4;
  --gray-300:    #B8C4D8;
  --gray-500:    #6B7A99;
  --gray-700:    #3A4560;
  --text-main:   #1A2840;
  --text-muted:  #5A6A85;
  --success:     #1CB87E;
  --danger:      #E84545;
  --shadow-sm:   0 2px 12px rgba(10,31,68,.08);
  --shadow-md:   0 8px 32px rgba(10,31,68,.14);
  --shadow-lg:   0 20px 60px rgba(10,31,68,.18);
  --shadow-gold: 0 8px 32px rgba(201,162,39,.25);
  --radius-sm:   8px;
  --radius-md:   14px;
  --radius-lg:   22px;
  --radius-xl:   32px;
  --transition:  all .3s cubic-bezier(.4,0,.2,1);
  --font-head:   'Playfair Display', Georgia, serif;
  --font-body:   'DM Sans', 'Segoe UI', sans-serif;
  --font-mono:   'JetBrains Mono', 'Courier New', monospace;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text-main);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
}

/* ── Google Fonts Import ── */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800&family=DM+Sans:wght@300;400;500;600;700&family=JetBrains+Mono:wght@400;600&display=swap');

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar-bd {
  background: rgba(10,31,68,.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(201,162,39,.15);
  padding: .9rem 0;
  transition: var(--transition);
  position: sticky;
  top: 0;
  z-index: 1000;
}
.navbar-bd.scrolled {
  padding: .6rem 0;
  box-shadow: var(--shadow-lg);
}
.navbar-brand-bd {
  display: flex;
  align-items: center;
  gap: .75rem;
  text-decoration: none;
}
.navbar-brand-bd .brand-icon {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: var(--navy);
  font-weight: 700;
  box-shadow: var(--shadow-gold);
  flex-shrink: 0;
}
.navbar-brand-bd .brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.navbar-brand-bd .brand-name {
  font-family: var(--font-head);
  font-size: 1.05rem; font-weight: 700;
  color: var(--white); letter-spacing: .02em;
}
.navbar-brand-bd .brand-sub {
  font-size: .65rem; color: var(--gold);
  letter-spacing: .12em; text-transform: uppercase; font-weight: 500;
}
.navbar-bd .nav-link {
  color: rgba(255,255,255,.82) !important;
  font-weight: 500; font-size: .88rem;
  letter-spacing: .02em;
  padding: .5rem .85rem !important;
  border-radius: 6px;
  transition: var(--transition);
  position: relative;
}
.navbar-bd .nav-link::after {
  content: ''; position: absolute; bottom: 4px; left: 50%; right: 50%;
  height: 2px; background: var(--gold);
  transition: var(--transition); border-radius: 2px;
}
.navbar-bd .nav-link:hover,
.navbar-bd .nav-link.active {
  color: var(--gold) !important;
  background: rgba(201,162,39,.08);
}
.navbar-bd .nav-link:hover::after,
.navbar-bd .nav-link.active::after { left: 10%; right: 10%; }
.navbar-bd .btn-nav-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy) !important;
  font-weight: 700; font-size: .85rem;
  padding: .5rem 1.25rem !important;
  border-radius: 8px;
  border: none;
  box-shadow: var(--shadow-gold);
  transition: var(--transition);
}
.navbar-bd .btn-nav-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 12px 36px rgba(201,162,39,.4);
}
.navbar-bd .btn-nav-primary::after { display: none; }
.navbar-toggler { border: 1px solid rgba(201,162,39,.3); padding: .4rem .6rem; }
.navbar-toggler-icon { filter: invert(1); }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn-bd-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  font-weight: 700;
  font-size: .9rem;
  padding: .75rem 2rem;
  border: none;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-gold);
  transition: var(--transition);
  cursor: pointer; text-decoration: none; display: inline-flex;
  align-items: center; gap: .5rem;
  letter-spacing: .02em;
}
.btn-bd-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 48px rgba(201,162,39,.45);
  color: var(--navy);
}
.btn-bd-outline {
  background: transparent;
  color: var(--gold);
  font-weight: 600;
  font-size: .9rem;
  padding: .72rem 1.9rem;
  border: 1.5px solid var(--gold);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  cursor: pointer; text-decoration: none;
  display: inline-flex; align-items: center; gap: .5rem;
}
.btn-bd-outline:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}
.btn-bd-white {
  background: var(--white);
  color: var(--navy);
  font-weight: 700;
  font-size: .9rem;
  padding: .75rem 2rem;
  border: none;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  cursor: pointer; text-decoration: none;
  display: inline-flex; align-items: center; gap: .5rem;
  box-shadow: var(--shadow-md);
}
.btn-bd-white:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
}

/* ============================================================
   SECTIONS & LAYOUT
   ============================================================ */
.section-pad { padding: 100px 0; }
.section-pad-sm { padding: 64px 0; }

.section-badge {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(201,162,39,.1);
  color: var(--gold);
  font-size: .75rem; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase;
  padding: .4rem 1rem;
  border-radius: 50px;
  border: 1px solid rgba(201,162,39,.2);
  margin-bottom: 1.25rem;
}
.section-title {
  font-family: var(--font-head);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 1.25rem;
}
.section-title span { color: var(--gold); }
.section-title-white { color: var(--white) !important; }
.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.7;
}
.section-subtitle-white { color: rgba(255,255,255,.75) !important; }
.divider-gold {
  width: 60px; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
  margin: 1.25rem auto;
}
.divider-gold.left { margin-left: 0; }

/* ── Navy BG sections ── */
.bg-navy { background: var(--navy); }
.bg-navy-mid { background: var(--navy-mid); }
.bg-gray { background: var(--gray-50); }
.bg-gradient-navy {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
}

/* ============================================================
   CARDS
   ============================================================ */
.card-bd {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  overflow: hidden;
  height: 100%;
}
.card-bd:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(201,162,39,.25);
}
.card-bd .card-icon {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, rgba(10,31,68,.06), rgba(10,31,68,.12));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; color: var(--navy);
  margin-bottom: 1.25rem;
  transition: var(--transition);
}
.card-bd:hover .card-icon {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  box-shadow: var(--shadow-gold);
}
.card-bd-dark {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-lg);
  transition: var(--transition);
}
.card-bd-dark:hover {
  background: rgba(255,255,255,.07);
  border-color: rgba(201,162,39,.3);
  transform: translateY(-4px);
}
.card-bd-gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: var(--radius-lg);
  color: var(--navy);
}
.card-featured {
  border: 2px solid var(--gold);
  position: relative;
}
.card-featured::before {
  content: 'Populaire';
  position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  font-size: .72rem; font-weight: 700;
  padding: .25rem .9rem;
  border-radius: 50px;
  letter-spacing: .08em; text-transform: uppercase;
}

/* ============================================================
   HERO STYLES
   ============================================================ */
.hero-section {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, #0d2754 50%, #0a1f44 100%);
  position: relative;
  display: flex; align-items: center;
  overflow: hidden;
}
.hero-section::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(201,162,39,.08) 0%, transparent 70%),
    radial-gradient(ellipse 50% 80% at 10% 80%, rgba(201,162,39,.06) 0%, transparent 60%);
  pointer-events: none;
}
.hero-grid-overlay {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
.hero-section-mini {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 100px 0 60px;
  position: relative;
  overflow: hidden;
}
.hero-section-mini::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(201,162,39,.07) 0%, transparent 70%);
  pointer-events: none;
}
.hero-section-mini::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.02) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}

/* ============================================================
   STATS BAR
   ============================================================ */
.stat-item { text-align: center; padding: .5rem 1rem; }
.stat-number {
  font-family: var(--font-head);
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 800; color: var(--gold);
  line-height: 1;
}
.stat-label { font-size: .8rem; color: rgba(255,255,255,.65); margin-top: .25rem; letter-spacing: .04em; }
.stat-divider { width: 1px; background: rgba(255,255,255,.1); align-self: stretch; margin: .5rem 0; }

/* ============================================================
   STEPS
   ============================================================ */
.step-item { position: relative; padding-left: 5rem; margin-bottom: 2.5rem; }
.step-number {
  position: absolute; left: 0; top: 0;
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-size: 1.2rem; font-weight: 800; color: var(--navy);
  box-shadow: var(--shadow-gold);
  flex-shrink: 0;
}
.step-item:not(:last-child) .step-number::after {
  content: '';
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%);
  width: 2px; height: calc(100% + 1rem);
  background: linear-gradient(var(--gold-pale), transparent);
  margin-top: .5rem;
}

/* ============================================================
   COMPARISON TABLE
   ============================================================ */
.table-compare {
  border-collapse: separate; border-spacing: 0;
  width: 100%;
}
.table-compare th {
  background: var(--navy);
  color: var(--white);
  padding: 1rem 1.25rem;
  font-weight: 600; font-size: .9rem;
  border: none;
}
.table-compare th.col-premium {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
}
.table-compare td {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid var(--gray-100);
  font-size: .88rem;
}
.table-compare tbody tr:hover td { background: var(--gray-50); }
.table-compare .check { color: var(--success); font-size: 1.1rem; }
.table-compare .cross { color: var(--gray-300); font-size: 1.1rem; }

/* ============================================================
   FORMS
   ============================================================ */
.form-bd .form-label {
  font-weight: 600; font-size: .85rem;
  color: var(--gray-700); margin-bottom: .4rem;
  letter-spacing: .02em;
}
.form-bd .form-control,
.form-bd .form-select {
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-sm);
  padding: .75rem 1rem;
  font-size: .9rem;
  background: var(--white);
  color: var(--text-main);
  transition: var(--transition);
}
.form-bd .form-control:focus,
.form-bd .form-select:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,162,39,.12);
}
.form-bd-dark .form-control,
.form-bd-dark .form-select {
  background: rgba(255,255,255,.06);
  border-color: rgba(255,255,255,.1);
  color: var(--white);
}
.form-bd-dark .form-control:focus,
.form-bd-dark .form-select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,162,39,.15);
}
.form-bd-dark .form-control::placeholder { color: rgba(255,255,255,.35); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  height: 100%;
}
.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: rgba(201,162,39,.2);
}
.testimonial-avatar {
  width: 52px; height: 52px;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid var(--gold-pale);
}
.star-rating { color: var(--gold); font-size: .9rem; }
.quote-icon { color: var(--gold); font-size: 2rem; opacity: .25; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer-bd {
  background: linear-gradient(to bottom, #081935, #050f22);
  border-top: 1px solid rgba(201,162,39,.12);
  padding: 80px 0 0;
  color: rgba(255,255,255,.7);
  font-size: .875rem;
}
.footer-brand { margin-bottom: 1.5rem; }
.footer-desc { color: rgba(255,255,255,.55); font-size: .85rem; line-height: 1.8; }
.footer-heading {
  color: var(--white);
  font-weight: 700;
  font-size: .85rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}
.footer-links { list-style: none; padding: 0; }
.footer-links li { margin-bottom: .65rem; }
.footer-links a {
  color: rgba(255,255,255,.55);
  text-decoration: none;
  font-size: .85rem;
  transition: var(--transition);
  display: inline-flex; align-items: center; gap: .4rem;
}
.footer-links a:hover { color: var(--gold); padding-left: 4px; }
.footer-social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px;
  border-radius: 8px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.08);
  color: rgba(255,255,255,.6);
  font-size: 1rem;
  transition: var(--transition);
  text-decoration: none;
}
.footer-social a:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 1.5rem 0;
  margin-top: 3rem;
  font-size: .8rem;
  color: rgba(255,255,255,.35);
}
.footer-badge {
  display: inline-flex; align-items: center; gap: .4rem;
  background: rgba(201,162,39,.1);
  color: var(--gold);
  font-size: .7rem; font-weight: 600;
  padding: .3rem .8rem;
  border-radius: 50px;
  border: 1px solid rgba(201,162,39,.2);
}

/* ============================================================
   ANIMATIONS
   ============================================================ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeInLeft {
  from { opacity: 0; transform: translateX(-28px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes fadeInRight {
  from { opacity: 0; transform: translateX(28px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes scaleIn {
  from { opacity: 0; transform: scale(.95); }
  to   { opacity: 1; transform: scale(1); }
}
@keyframes pulse-gold {
  0%, 100% { box-shadow: 0 0 0 0 rgba(201,162,39,.4); }
  50%       { box-shadow: 0 0 0 12px rgba(201,162,39,0); }
}
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-8px); }
}
@keyframes shimmer {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}
.animate-fade-up      { opacity: 0; animation: fadeInUp .7s ease forwards; }
.animate-fade-left    { opacity: 0; animation: fadeInLeft .7s ease forwards; }
.animate-fade-right   { opacity: 0; animation: fadeInRight .7s ease forwards; }
.animate-scale        { opacity: 0; animation: scaleIn .6s ease forwards; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .2s; }
.delay-3 { animation-delay: .3s; }
.delay-4 { animation-delay: .4s; }
.delay-5 { animation-delay: .5s; }
.delay-6 { animation-delay: .6s; }
.delay-7 { animation-delay: .7s; }
.delay-8 { animation-delay: .8s; }

/* Intersection observer animatable */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-left { opacity: 0; transform: translateX(-30px); transition: opacity .7s ease, transform .7s ease; }
.reveal-left.visible { opacity: 1; transform: translateX(0); }
.reveal-right { opacity: 0; transform: translateX(30px); transition: opacity .7s ease, transform .7s ease; }
.reveal-right.visible { opacity: 1; transform: translateX(0); }

/* ── Floating card animation ── */
.float-anim { animation: float 4s ease-in-out infinite; }

/* ── Shimmer text effect ── */
.text-shimmer {
  background: linear-gradient(120deg, var(--gold) 0%, var(--gold-light) 40%, #fff8d4 50%, var(--gold-light) 60%, var(--gold) 100%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: shimmer 3s linear infinite;
}

/* ── Pulse dot ── */
.pulse-dot {
  display: inline-block; width: 8px; height: 8px;
  background: var(--success); border-radius: 50%;
  animation: pulse-gold 2s infinite;
}

/* ============================================================
   MISC UTILITIES
   ============================================================ */
.text-gold  { color: var(--gold) !important; }
.text-navy  { color: var(--navy) !important; }
.text-muted-bd { color: var(--text-muted) !important; }
.bg-gold    { background: var(--gold) !important; }
.border-gold { border-color: var(--gold) !important; }
.rounded-xl  { border-radius: var(--radius-xl) !important; }
.rounded-lg  { border-radius: var(--radius-lg) !important; }
.shadow-gold { box-shadow: var(--shadow-gold) !important; }
.fw-semibold { font-weight: 600; }
.font-head   { font-family: var(--font-head); }
.scrollable  { overflow-x: auto; }

/* ── Icon badge ── */
.icon-badge {
  display: inline-flex; align-items: center; justify-content: center;
  width: 52px; height: 52px;
  border-radius: var(--radius-md);
  font-size: 1.4rem;
  flex-shrink: 0;
}
.icon-badge-navy { background: rgba(10,31,68,.08); color: var(--navy); }
.icon-badge-gold { background: rgba(201,162,39,.12); color: var(--gold); }
.icon-badge-white { background: rgba(255,255,255,.1); color: var(--white); }

/* ── Risk bar ── */
.risk-bar { height: 6px; border-radius: 3px; background: var(--gray-100); overflow: hidden; }
.risk-bar-fill { height: 100%; border-radius: 3px; transition: width 1s ease; }

/* ── Process line ── */
.process-line {
  display: flex; align-items: center; justify-content: center;
  gap: 0;
  flex-wrap: nowrap;
}
.process-step {
  display: flex; flex-direction: column; align-items: center;
  text-align: center;
  flex: 1; position: relative;
}
.process-step:not(:last-child)::after {
  content: '';
  position: absolute; top: 28px; left: calc(50% + 28px);
  width: calc(100% - 56px);
  height: 2px;
  background: linear-gradient(90deg, var(--gold), rgba(201,162,39,.2));
}
.process-icon {
  width: 56px; height: 56px;
  background: var(--white);
  border: 2px solid var(--gray-100);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: var(--gray-300);
  transition: var(--transition);
  position: relative; z-index: 1;
}
.process-step.active .process-icon,
.process-step:hover .process-icon {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-color: var(--gold);
  color: var(--navy);
  box-shadow: var(--shadow-gold);
}

/* ── FAQ accordion ── */
.accordion-bd .accordion-button {
  background: var(--white);
  color: var(--navy);
  font-weight: 600;
  font-size: .9rem;
  border: none;
  box-shadow: none;
  padding: 1.25rem 1.5rem;
}
.accordion-bd .accordion-button:not(.collapsed) {
  color: var(--gold);
  background: rgba(201,162,39,.04);
}
.accordion-bd .accordion-button::after {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%23C9A227' viewBox='0 0 16 16'%3E%3Cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3E%3C/svg%3E");
}
.accordion-bd .accordion-item {
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-sm) !important;
  margin-bottom: .75rem;
  overflow: hidden;
}
.accordion-bd .accordion-body {
  font-size: .88rem;
  color: var(--text-muted);
  line-height: 1.8;
  padding: .75rem 1.5rem 1.25rem;
}

/* ── Scrollbar ── */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--gray-50); }
::-webkit-scrollbar-thumb { background: var(--gray-300); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--navy); }

/* ── Selection ── */
::selection { background: rgba(201,162,39,.3); color: var(--navy); }

/* ── Responsive ── */
@media (max-width: 991.98px) {
  .section-pad { padding: 70px 0; }
  .process-step:not(:last-child)::after { display: none; }
}
@media (max-width: 767.98px) {
  .section-pad { padding: 54px 0; }
  .stat-divider { display: none; }
  .hero-section { min-height: auto; padding: 110px 0 60px; }
}
@media (max-width: 575.98px) {
  .section-pad { padding: 44px 0; }
  .section-title { font-size: 1.65rem; }
  .btn-bd-primary, .btn-bd-outline, .btn-bd-white { padding: .65rem 1.4rem; font-size: .85rem; }
}