/* ==========================================================================
   BANKINGPOINT24 - Custom Stylesheet
   Operated by Rutva Multiservices LLP
   Tagline: One Platform. Multiple Services. Better Business.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. CSS Custom Properties / Design Tokens
   -------------------------------------------------------------------------- */
:root {
  /* Color System */
  --primary-navy: #0F172A;
  --primary-blue: #2563EB;
  --accent-cyan: #0EA5E9;
  --success-green: #16A34A;
  --bg-light: #F8FAFC;
  --card-bg: #FFFFFF;
  --text-dark: #1E293B;
  --text-muted: #64748B;
  --border-color: #E2E8F0;

  /* Gradient Palette */
  --grad-primary: linear-gradient(135deg, #0F172A 0%, #1E293B 100%);
  --grad-blue: linear-gradient(135deg, #2563EB 0%, #0EA5E9 100%);
  --grad-hero: linear-gradient(135deg, #0F172A 0%, #1E3A8A 50%, #0F172A 100%);
  --grad-card-hover: linear-gradient(135deg, #FFFFFF 0%, #F1F5F9 100%);
  --grad-success: linear-gradient(135deg, #16A34A 0%, #10B981 100%);

  /* UI Tokens */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-pill: 50px;
  --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 4px 12px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 12px 32px rgba(15, 23, 42, 0.12);
  --shadow-hover: 0 20px 40px rgba(37, 99, 235, 0.15);
  
  --transition-fast: all 0.2s ease-in-out;
  --transition-normal: all 0.3s ease-in-out;
}

/* --------------------------------------------------------------------------
   2. Global Resets & Typography Hierarchy
   -------------------------------------------------------------------------- */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  background-color: var(--bg-light);
  color: #334155;
  font-size: 0.95rem;
  line-height: 1.65;
  overflow-x: hidden;
  padding-bottom: 70px; /* Space for mobile sticky bottom action bar */
  -webkit-font-smoothing: antialiased;
}

@media (min-width: 992px) {
  body {
    padding-bottom: 0;
  }
}

/* Headings Typography */
h1, .h1 {
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.03em;
  line-height: 1.15;
}

h2, .h2 {
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.025em;
  line-height: 1.2;
}

h3, .h3 {
  font-weight: 700;
  color: var(--primary-navy);
  letter-spacing: -0.02em;
  line-height: 1.25;
}

h4, .h4 {
  font-weight: 700;
  color: var(--primary-navy);
  letter-spacing: -0.015em;
  line-height: 1.3;
}

h5, .h5 {
  font-weight: 700;
  color: var(--primary-navy);
  line-height: 1.35;
}

h6, .h6 {
  font-weight: 700;
  color: var(--primary-navy);
  line-height: 1.4;
}

/* Subtitle & Lead Paragraphs */
.section-subtitle, .lead {
  font-size: 1.05rem;
  font-weight: 500;
  color: #64748B;
  line-height: 1.6;
}

/* Category Labels & Meta Tags */
.category-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #64748B;
}

a {
  text-decoration: none;
  transition: var(--transition-fast);
}

.bg-navy {
  background-color: var(--primary-navy) !important;
}

.text-navy {
  color: var(--primary-navy) !important;
}

.text-blue {
  color: var(--primary-blue) !important;
}

.text-cyan {
  color: var(--accent-cyan) !important;
}

.text-green {
  color: var(--success-green) !important;
}

.bg-light-subtle-custom {
  background-color: var(--bg-light);
}

.bg-blue-tint {
  background-color: #F0F7FF !important;
}

.bg-cyan-tint {
  background-color: #F0F9FF !important;
}

.bg-slate-tint {
  background-color: #F8FAFC !important;
}

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

/* --------------------------------------------------------------------------
   3. Custom Buttons & Badges
   -------------------------------------------------------------------------- */
.btn-primary-custom {
  background-color: var(--primary-blue);
  color: #ffffff;
  font-weight: 600;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-pill);
  border: none;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.35);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: var(--transition-normal);
}

.btn-primary-custom:hover {
  background-color: #1d4ed8;
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(37, 99, 235, 0.45);
}

.btn-whatsapp-custom {
  background-color: var(--success-green);
  color: #ffffff;
  font-weight: 600;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-pill);
  border: none;
  box-shadow: 0 4px 14px rgba(22, 163, 74, 0.35);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: var(--transition-normal);
}

.btn-whatsapp-custom:hover {
  background-color: #15803d;
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(22, 163, 74, 0.45);
}

.btn-outline-navy {
  border: 2px solid var(--primary-navy);
  color: var(--primary-navy);
  font-weight: 600;
  padding: 0.7rem 1.5rem;
  border-radius: var(--radius-pill);
  background: transparent;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: var(--transition-normal);
}

.btn-outline-navy:hover {
  background-color: var(--primary-navy);
  color: #ffffff;
}

.btn-outline-light-custom {
  border: 2px solid rgba(255, 255, 255, 0.3);
  color: #ffffff;
  font-weight: 600;
  padding: 0.7rem 1.5rem;
  border-radius: var(--radius-pill);
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(5px);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: var(--transition-normal);
}

.btn-outline-light-custom:hover {
  background: #ffffff;
  color: var(--primary-navy);
  border-color: #ffffff;
}

.badge-trust {
  background: rgba(37, 99, 235, 0.08);
  color: var(--primary-blue);
  border: 1px solid rgba(37, 99, 235, 0.2);
  padding: 0.4rem 1rem;
  border-radius: var(--radius-pill);
  font-size: 0.85rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

/* --------------------------------------------------------------------------
   4. Navbar Component
   -------------------------------------------------------------------------- */
.navbar-custom {
  background-color: rgba(255, 255, 255, 0.75);
  -webkit-backdrop-filter: blur(6px);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.6);
  padding: 0.75rem 0;
  transition: var(--transition-normal);
}

.navbar-brand-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
}

.brand-logo-img {
  height: 46px;
  width: auto;
  max-width: 180px;
  object-fit: contain;
}

.brand-text-block {
  display: flex;
  flex-direction: column;
}

.logo-icon-box {
  width: 44px;
  height: 44px;
  background: var(--grad-blue);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-size: 1.4rem;
  box-shadow: 0 4px 10px rgba(37, 99, 235, 0.25);
}

.brand-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.03em;
  line-height: 1.1;
}

.brand-subtitle {
  font-size: 0.75rem;
  color: var(--primary-blue);
  font-weight: 700;
  letter-spacing: 0.03em;
  margin-top: 2px;
  display: block;
}

.nav-link-custom {
  color: var(--text-dark);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.5rem 0.85rem !important;
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
}

.nav-link-custom:hover,
.nav-link-custom.active {
  color: var(--primary-blue);
  background-color: rgba(37, 99, 235, 0.05);
}

/* --------------------------------------------------------------------------
   5. Hero Section
   -------------------------------------------------------------------------- */
.hero-section {
  background: var(--grad-hero);
  color: #ffffff;
  position: relative;
  overflow: hidden;
  padding: 5rem 0 4rem 0;
}

.hero-section::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(14, 165, 233, 0.15) 0%, rgba(15, 23, 42, 0) 70%);
  pointer-events: none;
}

.hero-subtitle-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: 0.4rem 1.1rem;
  border-radius: var(--radius-pill);
  font-size: 0.88rem;
  font-weight: 600;
  color: #38bdf8;
  margin-bottom: 1.5rem;
}

.hero-title {
  font-size: 2.75rem;
  font-weight: 800;
  line-height: 1.15;
  color: #ffffff;
  margin-bottom: 1.25rem;
}

@media (min-width: 992px) {
  .hero-title {
    font-size: 3.5rem;
  }
}

.hero-lead {
  font-size: 1.1rem;
  color: #cbd5e1;
  margin-bottom: 2rem;
  max-width: 600px;
}

.hero-visual-card {
  background: rgba(255, 255, 255, 0.07);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.3);
  position: relative;
}

.floating-badge {
  position: absolute;
  background: #ffffff;
  color: var(--primary-navy);
  padding: 0.6rem 1.2rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 700;
  font-size: 0.85rem;
  animation: floatAnim 4s ease-in-out infinite alternate;
}

.badge-top-right {
  top: -15px;
  right: -15px;
}

.badge-bottom-left {
  bottom: -15px;
  left: -15px;
  animation-delay: 2s;
}

@keyframes floatAnim {
  0% { transform: translateY(0px); }
  100% { transform: translateY(-10px); }
}

/* --------------------------------------------------------------------------
   6. Custom Cards & Grid Components
   -------------------------------------------------------------------------- */
.card-custom {
  background: var(--card-bg);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: var(--transition-normal);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.card-custom:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
  border-color: rgba(37, 99, 235, 0.3);
}

.icon-box-lg {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  margin-bottom: 1.25rem;
}

.icon-box-blue {
  background: rgba(37, 99, 235, 0.1);
  color: var(--primary-blue);
}

.icon-box-cyan {
  background: rgba(14, 165, 233, 0.1);
  color: var(--accent-cyan);
}

.icon-box-green {
  background: rgba(22, 163, 74, 0.1);
  color: var(--success-green);
}

.icon-box-navy {
  background: rgba(15, 23, 42, 0.08);
  color: var(--primary-navy);
}

/* --------------------------------------------------------------------------
   7. Featured Split Layout Sections (POS & QR)
   -------------------------------------------------------------------------- */
.feature-split-section {
  padding: 5rem 0;
}

.feature-check-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 2rem 0;
}

.feature-check-list li {
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 0.75rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.feature-check-list li i {
  color: var(--success-green);
  font-size: 1.2rem;
}

/* --------------------------------------------------------------------------
   8. Process & How It Works Steps (Timeline Design)
   -------------------------------------------------------------------------- */
.how-it-works-timeline {
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}

.timeline-track-line {
  display: none;
}

@media (min-width: 992px) {
  .timeline-track-line {
    display: block;
    position: absolute;
    top: 26px; /* vertically centered with 52px circle */
    left: 12%;
    right: 12%;
    height: 0;
    border-top: 2px dashed #93C5FD;
    z-index: 1;
  }
}

.timeline-step-item {
  position: relative;
  z-index: 2;
  text-align: center;
  flex: 1;
  padding: 0 0.75rem;
}

@media (max-width: 991.98px) {
  .how-it-works-timeline {
    flex-direction: column;
    gap: 2.5rem;
    align-items: center;
  }
}

.timeline-step-number {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, #1D4ED8 0%, #2563EB 100%);
  color: #ffffff;
  font-weight: 800;
  font-size: 1.15rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem auto;
  box-shadow: 0 8px 22px rgba(37, 99, 235, 0.4);
  border: 3px solid #ffffff;
  transition: var(--transition-normal);
}

.timeline-step-item:hover .timeline-step-number {
  transform: scale(1.1);
  box-shadow: 0 12px 28px rgba(37, 99, 235, 0.5);
}

.timeline-step-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 0.5rem;
}

.timeline-step-desc {
  font-size: 0.88rem;
  color: var(--text-muted);
  max-width: 230px;
  margin: 0 auto;
  line-height: 1.55;
}

.badge-onboarding {
  background: #EFF6FF;
  color: #2563EB;
  border: 1px solid #BFDBFE;
  padding: 0.4rem 1.1rem;
  border-radius: var(--radius-pill);
  font-size: 0.88rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}


/* --------------------------------------------------------------------------
   9. Business Opportunity Diagram
   -------------------------------------------------------------------------- */
.opportunity-flow {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: center;
  justify-content: center;
}

@media (min-width: 768px) {
  .opportunity-flow {
    flex-direction: row;
  }
}

.flow-step-box {
  background: #ffffff;
  border: 1px solid var(--border-color);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-md);
  font-weight: 700;
  color: var(--primary-navy);
  box-shadow: var(--shadow-sm);
  text-align: center;
  flex: 1;
}

.flow-arrow {
  font-size: 1.5rem;
  color: var(--primary-blue);
}

/* --------------------------------------------------------------------------
   10. Banking & Service Partners Logos
   -------------------------------------------------------------------------- */
.partner-bank-card {
  background: #ffffff;
  border-radius: 18px;
  border: 1px solid var(--border-color);
  padding: 2.25rem 1.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 190px;
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.03);
  transition: var(--transition-normal);
  text-align: center;
  height: 100%;
}

.partner-bank-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 30px rgba(37, 99, 235, 0.12);
  border-color: rgba(37, 99, 235, 0.3);
}

.partner-bank-icon {
  font-size: 2.75rem;
  color: var(--primary-blue);
  margin-bottom: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

.partner-bank-name {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 0;
}

.disclaimer-text-note {
  font-size: 0.8rem;
  font-style: italic;
  color: #64748B;
  max-width: 850px;
  margin: 2.25rem auto 0 auto;
  line-height: 1.6;
  text-align: center;
  font-weight: 400;
  display: block;
}

/* --------------------------------------------------------------------------
   12. Testimonials Carousel Custom Styling
   -------------------------------------------------------------------------- */
.testimonial-card-wrapper {
  position: relative;
  max-width: 780px;
  margin: 0 auto;
}

.testimonial-card-custom {
  background: #ffffff;
  border-radius: 22px;
  border: 1px solid var(--border-color);
  padding: 3rem 2.5rem;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.05);
  text-align: center;
}

.testimonial-avatar-circle {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #EFF6FF;
  color: var(--primary-blue);
  font-weight: 800;
  font-size: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

.badge-placeholder-tag {
  background: #EFF6FF;
  color: var(--primary-blue);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.2rem 0.75rem;
  border-radius: var(--radius-pill);
  display: inline-block;
  margin-top: 0.35rem;
}

.carousel-control-prev-custom,
.carousel-control-next-custom {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  background-color: #334155;
  color: #ffffff;
  border-radius: 50%;
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  box-shadow: 0 4px 14px rgba(15, 23, 42, 0.15);
  z-index: 5;
  transition: var(--transition-normal);
  opacity: 0.9;
}

.carousel-control-prev-custom:hover,
.carousel-control-next-custom:hover {
  background-color: var(--primary-navy);
  color: #ffffff;
  opacity: 1;
  transform: translateY(-50%) scale(1.08);
}

.carousel-control-prev-custom {
  left: -15px;
}

.carousel-control-next-custom {
  right: -15px;
}

/* --------------------------------------------------------------------------
   13. FAQ Accordion Custom Card Styling
   -------------------------------------------------------------------------- */
.faq-accordion-custom .accordion-item {
  border-radius: 14px !important;
  border: 1px solid var(--border-color) !important;
  margin-bottom: 1rem;
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.03);
  transition: var(--transition-normal);
}

.faq-accordion-custom .accordion-item:hover {
  border-color: rgba(37, 99, 235, 0.3) !important;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.08);
}

.faq-accordion-custom .accordion-button {
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--primary-navy);
  background-color: #ffffff;
  padding: 1.25rem 1.5rem;
  box-shadow: none !important;
  border: none;
  transition: var(--transition-fast);
}

.faq-accordion-custom .accordion-button:not(.collapsed) {
  background-color: #EFF6FF;
  color: var(--primary-blue);
}

.faq-accordion-custom .accordion-body {
  background-color: #ffffff;
  padding: 1.25rem 1.5rem 1.5rem 1.5rem;
  color: #475569;
  font-size: 0.95rem;
  line-height: 1.65;
  border-top: 1px solid rgba(37, 99, 235, 0.1);
}




/* --------------------------------------------------------------------------
   11. Contact Form & Map Section
   -------------------------------------------------------------------------- */
.contact-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-md);
}

.form-control-custom, .form-select-custom {
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  border: 1px solid var(--border-color);
  font-size: 0.95rem;
}

.form-control-custom:focus, .form-select-custom:focus {
  border-color: var(--primary-blue);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

/* --------------------------------------------------------------------------
   12. Floating WhatsApp & Mobile Action Bar
   -------------------------------------------------------------------------- */
.whatsapp-float-btn {
  position: fixed;
  bottom: 80px;
  right: 24px;
  width: 60px;
  height: 60px;
  background-color: #25D366;
  color: #ffffff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  box-shadow: 0 4px 20px rgba(37, 211, 102, 0.4);
  z-index: 9990;
  transition: var(--transition-normal);
  animation: pulseWhatsapp 2s infinite;
}

@media (min-width: 992px) {
  .whatsapp-float-btn {
    bottom: 28px;
  }
}

.whatsapp-float-btn:hover {
  color: #ffffff;
  transform: scale(1.1);
}

@keyframes pulseWhatsapp {
  0% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.7); }
  70% { box-shadow: 0 0 0 15px rgba(37, 211, 102, 0); }
  100% { box-shadow: 0 0 0 0 rgba(37, 211, 102, 0); }
}

/* Mobile Sticky Bottom Action Bar */
.mobile-bottom-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background: rgba(15, 23, 42, 0.98);
  backdrop-filter: blur(10px);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-around;
  align-items: center;
  padding: 0.6rem 0.5rem;
  z-index: 9999;
}

@media (min-width: 992px) {
  .mobile-bottom-bar {
    display: none;
  }
}

.mobile-action-item {
  color: #ffffff;
  display: flex;
  flex-direction: column;
  align-items: center;
  font-size: 0.75rem;
  font-weight: 600;
  gap: 2px;
  flex: 1;
}

.mobile-action-item i {
  font-size: 1.25rem;
}

.mobile-action-item.partner-item {
  color: #38bdf8;
}

/* --------------------------------------------------------------------------
   13. Footer
   -------------------------------------------------------------------------- */
.footer-custom {
  background: var(--primary-navy);
  color: #94a3b8;
  padding: 4rem 0 2rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-title {
  color: #ffffff;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
}

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

.footer-links li {
  margin-bottom: 0.6rem;
}

.footer-links a {
  color: #cbd5e1;
  font-size: 0.92rem;
  transition: var(--transition-fast);
}

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

.disclaimer-box {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-sm);
  padding: 1rem;
  font-size: 0.8rem;
  font-style: italic;
  text-align: center;
  color: #94a3b8;
  margin-top: 2rem;
  margin-bottom: 2rem;
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   14. Back to Top Button
   -------------------------------------------------------------------------- */
.back-to-top {
  position: fixed;
  bottom: 80px;
  left: 20px;
  width: 44px;
  height: 44px;
  background: var(--primary-navy);
  color: #ffffff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  z-index: 9980;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition-normal);
  border: 1px solid rgba(255, 255, 255, 0.2);
}

@media (min-width: 992px) {
  .back-to-top {
    bottom: 28px;
  }
}

.back-to-top.active {
  opacity: 1;
  visibility: visible;
}

.back-to-top:hover {
  background: var(--primary-blue);
  color: #ffffff;
}

/* --------------------------------------------------------------------------
   15. Refund Guarantee & Policy Styles
   -------------------------------------------------------------------------- */
.refund-section-card {
  background: linear-gradient(135deg, #0f172a 0%, #1e293b 60%, #0f2d4a 100%);
  border: 1px solid rgba(14, 165, 233, 0.25);
  border-radius: var(--radius-lg);
  position: relative;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.25);
}

.refund-section-card::before {
  content: '';
  position: absolute;
  top: -50px;
  right: -50px;
  width: 250px;
  height: 250px;
  background: radial-gradient(circle, rgba(14, 165, 233, 0.15) 0%, rgba(14, 165, 233, 0) 70%);
  border-radius: 50%;
  pointer-events: none;
}

.badge-refund {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.4rem 1rem;
  background: rgba(22, 163, 74, 0.15);
  color: #4ade80;
  border: 1px solid rgba(74, 222, 128, 0.3);
  border-radius: var(--radius-pill);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.refund-highlight-box {
  background: rgba(14, 165, 233, 0.08);
  border-left: 4px solid var(--accent-cyan);
  border-radius: var(--radius-sm);
  padding: 1.25rem;
}

.refund-feature-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  transition: var(--transition-normal);
  height: 100%;
}

.refund-feature-card:hover {
  background: rgba(255, 255, 255, 0.1);
  transform: translateY(-3px);
  border-color: rgba(14, 165, 233, 0.4);
}

.refund-alert-banner {
  background: linear-gradient(135deg, rgba(22, 163, 74, 0.1) 0%, rgba(14, 165, 233, 0.1) 100%);
  border: 2px dashed rgba(22, 163, 74, 0.35);
  border-radius: var(--radius-md);
  padding: 1.5rem;
}