.elementor-kit-207{--e-global-color-accent:#0B1F3A;--e-global-color-secondary:#3C6FA6;--e-global-color-primary:#7EA9D6;--e-global-color-text:#FFFFFF;--e-global-color-twbb_primary_inv:#ffffffff;--e-global-color-twbb_text_inv:#FFFFFF;--e-global-color-twbb_button:#7EA9D6;--e-global-color-twbb_button_inv:#FFFFFF;--e-global-color-twbb_accent_hover:#3C6FA6;--e-global-color-twbb_bg_inv:#0B1F3A;--e-global-color-twbb_bg_primary:#ffffffff;--e-global-color-twbb_bg_3:#f3f4f6ff;--e-global-color-twbb_bg_1_dark:#0B1F3A;--e-global-color-twbb_bg_2_dark:#7EA9D6;--e-global-color-twbb_bg_1:#7EA9D6;--e-global-color-twbb_bg_2:#89898926;--e-global-color-twbb_transparent:#00000000;--e-global-color-twbb_link:#3A5BCC;--e-global-color-twbb_black_50:#7EA9D6;--e-global-color-twbb_black_20:#00000033;--e-global-color-twbb_black_10:#0000001A;--e-global-color-twbb_black_15:#00000026;--e-global-color-twbb_black_5:#7EA9D6;--e-global-color-twbb_white_50:#ffffff80;--e-global-color-twbb_white_20:#ffffff33;--e-global-color-twbb_white_30:#ffffff4D;--e-global-color-twbb_white_15:#ffffff26;--e-global-color-f5bd7bb:#7EA9D6;--e-global-color-8692353:#2BA2CF;--e-global-typography-primary-font-family:"PT Sans";--e-global-typography-primary-font-size:56px;--e-global-typography-primary-font-weight:bold;--e-global-typography-primary-text-transform:none;--e-global-typography-primary-font-style:normal;--e-global-typography-primary-text-decoration:none;--e-global-typography-primary-line-height:68px;--e-global-typography-secondary-font-family:"PT Sans";--e-global-typography-secondary-font-size:48px;--e-global-typography-secondary-font-weight:bold;--e-global-typography-secondary-text-transform:none;--e-global-typography-secondary-font-style:normal;--e-global-typography-secondary-text-decoration:none;--e-global-typography-secondary-line-height:56px;--e-global-typography-text-font-family:"PT Sans";--e-global-typography-text-font-size:18px;--e-global-typography-text-font-weight:normal;--e-global-typography-text-text-transform:none;--e-global-typography-text-font-style:normal;--e-global-typography-text-text-decoration:none;--e-global-typography-text-line-height:26px;--e-global-typography-accent-font-family:"PT Sans";--e-global-typography-accent-font-size:14px;--e-global-typography-accent-font-weight:medium;--e-global-typography-accent-text-transform:none;--e-global-typography-accent-font-style:normal;--e-global-typography-accent-text-decoration:none;--e-global-typography-accent-line-height:20px;--e-global-typography-twbb_h3-font-family:"PT Sans";--e-global-typography-twbb_h3-font-size:40px;--e-global-typography-twbb_h3-font-weight:bold;--e-global-typography-twbb_h3-text-transform:none;--e-global-typography-twbb_h3-font-style:normal;--e-global-typography-twbb_h3-text-decoration:none;--e-global-typography-twbb_h3-line-height:48px;--e-global-typography-twbb_h4-font-family:"PT Sans";--e-global-typography-twbb_h4-font-size:32px;--e-global-typography-twbb_h4-font-weight:bold;--e-global-typography-twbb_h4-text-transform:none;--e-global-typography-twbb_h4-font-style:normal;--e-global-typography-twbb_h4-text-decoration:none;--e-global-typography-twbb_h4-line-height:40px;--e-global-typography-twbb_h5-font-family:"PT Sans";--e-global-typography-twbb_h5-font-size:24px;--e-global-typography-twbb_h5-font-weight:bold;--e-global-typography-twbb_h5-text-transform:none;--e-global-typography-twbb_h5-font-style:normal;--e-global-typography-twbb_h5-text-decoration:none;--e-global-typography-twbb_h5-line-height:32px;--e-global-typography-twbb_h6-font-family:"PT Sans";--e-global-typography-twbb_h6-font-size:20px;--e-global-typography-twbb_h6-font-weight:bold;--e-global-typography-twbb_h6-text-transform:none;--e-global-typography-twbb_h6-font-style:normal;--e-global-typography-twbb_h6-text-decoration:none;--e-global-typography-twbb_h6-line-height:28px;--e-global-typography-twbb_bold-font-family:"PT Sans";--e-global-typography-twbb_bold-font-size:16px;--e-global-typography-twbb_bold-font-weight:600;--e-global-typography-twbb_bold-text-transform:none;--e-global-typography-twbb_bold-font-style:normal;--e-global-typography-twbb_bold-text-decoration:none;--e-global-typography-twbb_bold-line-height:24px;--e-global-typography-twbb_p1-font-family:"PT Sans";--e-global-typography-twbb_p1-font-size:20px;--e-global-typography-twbb_p1-font-weight:normal;--e-global-typography-twbb_p1-text-transform:none;--e-global-typography-twbb_p1-font-style:normal;--e-global-typography-twbb_p1-text-decoration:none;--e-global-typography-twbb_p1-line-height:28px;--e-global-typography-twbb_p3-font-family:"PT Sans";--e-global-typography-twbb_p3-font-size:16px;--e-global-typography-twbb_p3-font-weight:normal;--e-global-typography-twbb_p3-text-transform:none;--e-global-typography-twbb_p3-font-style:normal;--e-global-typography-twbb_p3-text-decoration:none;--e-global-typography-twbb_p3-line-height:24px;--e-global-typography-twbb_p4-font-family:"PT Sans";--e-global-typography-twbb_p4-font-size:14px;--e-global-typography-twbb_p4-font-weight:normal;--e-global-typography-twbb_p4-text-transform:none;--e-global-typography-twbb_p4-font-style:normal;--e-global-typography-twbb_p4-text-decoration:none;--e-global-typography-twbb_p4-line-height:20px;--e-global-typography-twbb_p5-font-family:"PT Sans";--e-global-typography-twbb_p5-font-size:12px;--e-global-typography-twbb_p5-font-weight:normal;--e-global-typography-twbb_p5-text-transform:none;--e-global-typography-twbb_p5-font-style:normal;--e-global-typography-twbb_p5-text-decoration:none;--e-global-typography-twbb_p5-line-height:18px;--e-global-typography-twbb_label-font-family:"PT Sans";--e-global-typography-twbb_label-font-size:14px;--e-global-typography-twbb_label-font-weight:bold;--e-global-typography-twbb_label-text-transform:uppercase;--e-global-typography-twbb_label-font-style:normal;--e-global-typography-twbb_label-text-decoration:none;--e-global-typography-twbb_label-line-height:20px;--e-global-typography-twbb_link-font-family:"PT Sans";--e-global-typography-twbb_link-text-transform:none;--e-global-typography-twbb_link-text-decoration:underline;--e-global-typography-twbb_link_hover-font-family:"PT Sans";--e-global-typography-twbb_link_hover-text-transform:none;--e-global-typography-twbb_link_hover-text-decoration:none;background-color:var( --e-global-color-twbb_bg_primary );color:var( --e-global-color-text );font-family:var( --e-global-typography-text-font-family ), sans-serif;font-size:var( --e-global-typography-text-font-size );font-weight:var( --e-global-typography-text-font-weight );text-transform:var( --e-global-typography-text-text-transform );font-style:var( --e-global-typography-text-font-style );text-decoration:var( --e-global-typography-text-text-decoration );line-height:var( --e-global-typography-text-line-height );background-position:center center;background-repeat:no-repeat;background-size:cover;}.elementor-kit-207 button,.elementor-kit-207 input[type="button"],.elementor-kit-207 input[type="submit"],.elementor-kit-207 .elementor-button{background-color:var( --e-global-color-accent );font-family:var( --e-global-typography-accent-font-family ), sans-serif;font-size:var( --e-global-typography-accent-font-size );font-weight:var( --e-global-typography-accent-font-weight );text-transform:var( --e-global-typography-accent-text-transform );font-style:var( --e-global-typography-accent-font-style );text-decoration:var( --e-global-typography-accent-text-decoration );line-height:var( --e-global-typography-accent-line-height );color:var( --e-global-color-twbb_button_inv );box-shadow:0px 0px 0px 0px rgba(0, 0, 0, 0);border-style:solid;border-width:1px 1px 1px 1px;border-color:var( --e-global-color-accent );border-radius:4px 4px 4px 4px;padding:12px 24px 12px 24px;}.elementor-kit-207 button:hover,.elementor-kit-207 button:focus,.elementor-kit-207 input[type="button"]:hover,.elementor-kit-207 input[type="button"]:focus,.elementor-kit-207 input[type="submit"]:hover,.elementor-kit-207 input[type="submit"]:focus,.elementor-kit-207 .elementor-button:hover,.elementor-kit-207 .elementor-button:focus{background-color:var( --e-global-color-twbb_accent_hover );color:#2BA2CF;}.elementor-kit-207 p{margin-block-end:18px;}.elementor-kit-207 a{color:var( --e-global-color-twbb_link );font-family:var( --e-global-typography-twbb_link_hover-font-family ), sans-serif;text-transform:var( --e-global-typography-twbb_link_hover-text-transform );text-decoration:var( --e-global-typography-twbb_link_hover-text-decoration );line-height:var( --e-global-typography-twbb_link_hover-line-height );}.elementor-kit-207 h1{color:var( --e-global-color-primary );font-family:var( --e-global-typography-primary-font-family ), sans-serif;font-size:var( --e-global-typography-primary-font-size );font-weight:var( --e-global-typography-primary-font-weight );text-transform:var( --e-global-typography-primary-text-transform );font-style:var( --e-global-typography-primary-font-style );text-decoration:var( --e-global-typography-primary-text-decoration );line-height:var( --e-global-typography-primary-line-height );}.elementor-kit-207 h2{color:var( --e-global-color-primary );font-family:var( --e-global-typography-secondary-font-family ), sans-serif;font-size:var( --e-global-typography-secondary-font-size );font-weight:var( --e-global-typography-secondary-font-weight );text-transform:var( --e-global-typography-secondary-text-transform );font-style:var( --e-global-typography-secondary-font-style );text-decoration:var( --e-global-typography-secondary-text-decoration );line-height:var( --e-global-typography-secondary-line-height );}.elementor-kit-207 h3{color:var( --e-global-color-primary );font-family:var( --e-global-typography-twbb_h3-font-family ), sans-serif;font-size:var( --e-global-typography-twbb_h3-font-size );font-weight:var( --e-global-typography-twbb_h3-font-weight );text-transform:var( --e-global-typography-twbb_h3-text-transform );font-style:var( --e-global-typography-twbb_h3-font-style );text-decoration:var( --e-global-typography-twbb_h3-text-decoration );line-height:var( --e-global-typography-twbb_h3-line-height );}.elementor-kit-207 h4{color:var( --e-global-color-primary );font-family:var( --e-global-typography-twbb_h4-font-family ), sans-serif;font-size:var( --e-global-typography-twbb_h4-font-size );font-weight:var( --e-global-typography-twbb_h4-font-weight );text-transform:var( --e-global-typography-twbb_h4-text-transform );font-style:var( --e-global-typography-twbb_h4-font-style );text-decoration:var( --e-global-typography-twbb_h4-text-decoration );line-height:var( --e-global-typography-twbb_h4-line-height );}.elementor-kit-207 h5{color:var( --e-global-color-primary );font-family:var( --e-global-typography-twbb_h5-font-family ), sans-serif;font-size:var( --e-global-typography-twbb_h5-font-size );font-weight:var( --e-global-typography-twbb_h5-font-weight );text-transform:var( --e-global-typography-twbb_h5-text-transform );font-style:var( --e-global-typography-twbb_h5-font-style );text-decoration:var( --e-global-typography-twbb_h5-text-decoration );line-height:var( --e-global-typography-twbb_h5-line-height );}.elementor-kit-207 h6{color:var( --e-global-color-primary );font-family:var( --e-global-typography-twbb_h6-font-family ), sans-serif;font-size:var( --e-global-typography-twbb_h6-font-size );font-weight:var( --e-global-typography-twbb_h6-font-weight );text-transform:var( --e-global-typography-twbb_h6-text-transform );font-style:var( --e-global-typography-twbb_h6-font-style );text-decoration:var( --e-global-typography-twbb_h6-text-decoration );line-height:var( --e-global-typography-twbb_h6-line-height );}.elementor-kit-207 img{border-radius:4px 4px 4px 4px;}.elementor-kit-207 label{color:var( --e-global-color-secondary );font-family:var( --e-global-typography-twbb_p4-font-family ), sans-serif;font-size:var( --e-global-typography-twbb_p4-font-size );font-weight:var( --e-global-typography-twbb_p4-font-weight );text-transform:var( --e-global-typography-twbb_p4-text-transform );font-style:var( --e-global-typography-twbb_p4-font-style );text-decoration:var( --e-global-typography-twbb_p4-text-decoration );line-height:var( --e-global-typography-twbb_p4-line-height );}.elementor-kit-207 input:not([type="button"]):not([type="submit"]),.elementor-kit-207 textarea,.elementor-kit-207 .elementor-field-textual{color:var( --e-global-color-twbb_button );accent-color:var( --e-global-color-secondary );background-color:var( --e-global-color-twbb_bg_primary );box-shadow:0px 0px 0px 0px rgba(0, 0, 0, 0);border-style:solid;border-width:1px 1px 1px 1px;border-color:#000000ff;border-radius:4px 4px 4px 4px;padding:12px 24px 12px 24px;}.elementor-section.elementor-section-boxed > .elementor-container{max-width:1280px;}.e-con{--container-max-width:1280px;--container-default-padding-top:10px;--container-default-padding-right:10px;--container-default-padding-bottom:10px;--container-default-padding-left:10px;}.elementor-widget:not(:last-child){--kit-widget-spacing:20px;}.elementor-element{--widgets-spacing:20px 20px;--widgets-spacing-row:20px;--widgets-spacing-column:20px;}{}h1.entry-title{display:var(--page-title-display);}.elementor-lightbox{background-color:var( --e-global-color-twbb_transparent );--lightbox-ui-color:var( --e-global-color-secondary );--lightbox-ui-color-hover:var( --e-global-color-accent );--lightbox-text-color:var( --e-global-color-text );}@media(max-width:1024px){.elementor-kit-207{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-kit-207 a{line-height:var( --e-global-typography-twbb_link_hover-line-height );}.elementor-kit-207 h1{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );}.elementor-kit-207 h2{font-size:var( --e-global-typography-secondary-font-size );line-height:var( --e-global-typography-secondary-line-height );}.elementor-kit-207 h3{font-size:var( --e-global-typography-twbb_h3-font-size );line-height:var( --e-global-typography-twbb_h3-line-height );}.elementor-kit-207 h4{font-size:var( --e-global-typography-twbb_h4-font-size );line-height:var( --e-global-typography-twbb_h4-line-height );}.elementor-kit-207 h5{font-size:var( --e-global-typography-twbb_h5-font-size );line-height:var( --e-global-typography-twbb_h5-line-height );}.elementor-kit-207 h6{font-size:var( --e-global-typography-twbb_h6-font-size );line-height:var( --e-global-typography-twbb_h6-line-height );}.elementor-kit-207 button,.elementor-kit-207 input[type="button"],.elementor-kit-207 input[type="submit"],.elementor-kit-207 .elementor-button{font-size:var( --e-global-typography-accent-font-size );line-height:var( --e-global-typography-accent-line-height );}.elementor-kit-207 label{font-size:var( --e-global-typography-twbb_p4-font-size );line-height:var( --e-global-typography-twbb_p4-line-height );}.elementor-section.elementor-section-boxed > .elementor-container{max-width:1024px;}.e-con{--container-max-width:1024px;}}@media(max-width:767px){.elementor-kit-207{--e-global-typography-primary-font-size:40px;--e-global-typography-primary-line-height:48px;--e-global-typography-secondary-font-size:28px;--e-global-typography-secondary-line-height:44px;--e-global-typography-text-font-size:16px;--e-global-typography-text-line-height:24px;--e-global-typography-twbb_h3-font-size:32px;--e-global-typography-twbb_h3-line-height:40px;--e-global-typography-twbb_h4-font-size:24px;--e-global-typography-twbb_h4-line-height:32px;--e-global-typography-twbb_h5-font-size:20px;--e-global-typography-twbb_h5-line-height:28px;--e-global-typography-twbb_h6-font-size:18px;--e-global-typography-twbb_h6-line-height:26px;--e-global-typography-twbb_bold-font-size:16px;--e-global-typography-twbb_bold-line-height:24px;--e-global-typography-twbb_p1-font-size:18px;--e-global-typography-twbb_p1-line-height:26px;--e-global-typography-twbb_p3-font-size:14px;--e-global-typography-twbb_p3-line-height:20px;--e-global-typography-twbb_p4-font-size:14px;--e-global-typography-twbb_p4-line-height:20px;--e-global-typography-twbb_p5-font-size:12px;--e-global-typography-twbb_p5-line-height:18px;--e-global-typography-twbb_label-font-size:14px;--e-global-typography-twbb_label-line-height:20px;font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-kit-207 p{margin-block-end:16px;}.elementor-kit-207 a{line-height:var( --e-global-typography-twbb_link_hover-line-height );}.elementor-kit-207 h1{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );}.elementor-kit-207 h2{font-size:var( --e-global-typography-secondary-font-size );line-height:var( --e-global-typography-secondary-line-height );}.elementor-kit-207 h3{font-size:var( --e-global-typography-twbb_h3-font-size );line-height:var( --e-global-typography-twbb_h3-line-height );}.elementor-kit-207 h4{font-size:var( --e-global-typography-twbb_h4-font-size );line-height:var( --e-global-typography-twbb_h4-line-height );}.elementor-kit-207 h5{font-size:var( --e-global-typography-twbb_h5-font-size );line-height:var( --e-global-typography-twbb_h5-line-height );}.elementor-kit-207 h6{font-size:var( --e-global-typography-twbb_h6-font-size );line-height:var( --e-global-typography-twbb_h6-line-height );}.elementor-kit-207 button,.elementor-kit-207 input[type="button"],.elementor-kit-207 input[type="submit"],.elementor-kit-207 .elementor-button{font-size:var( --e-global-typography-accent-font-size );line-height:var( --e-global-typography-accent-line-height );}.elementor-kit-207 label{font-size:var( --e-global-typography-twbb_p4-font-size );line-height:var( --e-global-typography-twbb_p4-line-height );}.elementor-section.elementor-section-boxed > .elementor-container{max-width:767px;}.e-con{--container-max-width:767px;}}/* Start custom CSS *//* === FOF Site Global === */
body { background-color: #0B1F3A !important; }

/* === All page CSS === */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

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

:root {
  --navy: #0B1F3A;
  --navy-light: #122847;
  --teal: #4db8e8;
  --teal-dark: #2da0d0;
  --blue: #2d7dd2;
  --white: #ffffff;
  --grey-light: #f4f6f9;
  --grey-mid: #e2e8f0;
  --text-dark: #1a2a3a;
  --text-mid: #4a5568;
  --text-light: #718096;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.12);
  --shadow-lg: 0 8px 32px rgba(0,0,0,0.16);
  --radius: 12px;
  --nav-h: 72px;
}

html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text-dark); background: #fff; overflow-x: hidden; }

a { text-decoration: none; color: inherit; }
img { max-width: 100%; }
button { font-family: var(--font); cursor: pointer; border: none; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.fof-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-h);
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: background 0.3s, box-shadow 0.3s;
}
.fof-nav.scrolled {
  background: rgba(11,31,58,0.97);
  box-shadow: 0 2px 24px rgba(0,0,0,0.3);
  backdrop-filter: blur(12px);
}

.fof-nav-inner {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  gap: 0;
}

.fof-nav-logo {
  flex-shrink: 0;
  margin-right: 40px;
}
.fof-nav-logo img {
  height: 40px;
  width: auto;
  display: block;
}

.fof-nav-menu {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 0;
  flex: 1;
}

.fof-nav-item {
  position: relative;
}

.fof-nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 0 16px;
  height: var(--nav-h);
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  white-space: nowrap;
  transition: color 0.2s;
  cursor: pointer;
}
.fof-nav-link:hover { color: var(--teal); }
.fof-nav-link svg { flex-shrink: 0; transition: transform 0.2s; }
.fof-nav-item:hover .fof-nav-link svg { transform: rotate(180deg); }

/* Dropdown */
.fof-dropdown {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  background: #fff;
  border-radius: 0 0 var(--radius) var(--radius);
  box-shadow: 0 12px 48px rgba(0,0,0,0.18);
  padding: 20px;
  min-width: 200px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.2s, visibility 0.2s, transform 0.2s;
  transform: translateX(-50%) translateY(-8px);
  border-top: 3px solid var(--teal);
}
.fof-nav-item:hover .fof-dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
}

.fof-dropdown a {
  display: block;
  padding: 8px 12px;
  font-size: 13.5px;
  color: var(--text-dark);
  border-radius: 6px;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
}
.fof-dropdown a:hover {
  background: #f0f7ff;
  color: var(--blue);
}

/* Wide dropdown - Leisure (4 col) */
.fof-dropdown-wide {
  min-width: 620px;
  left: 0;
  transform: translateX(0) translateY(-8px);
}
.fof-nav-item:hover .fof-dropdown-wide {
  transform: translateX(0) translateY(0);
}
.fof-dropdown-wide-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.fof-dropdown-col h4 {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--teal-dark);
  padding: 6px 12px 4px;
  margin-bottom: 2px;
}

/* Nav CTAs */
.fof-nav-ctas {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-left: auto;
  flex-shrink: 0;
}
.fof-btn-nav-ghost {
  padding: 9px 20px;
  border-radius: 8px;
  font-size: 13.5px;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
  border: 1.5px solid rgba(255,255,255,0.25);
  background: transparent;
  transition: all 0.2s;
}
.fof-btn-nav-ghost:hover {
  border-color: var(--teal);
  color: var(--teal);
}
.fof-btn-nav-fill {
  padding: 9px 22px;
  border-radius: 8px;
  font-size: 13.5px;
  font-weight: 700;
  color: #fff;
  background: var(--teal);
  transition: all 0.2s;
}
.fof-btn-nav-fill:hover {
  background: var(--teal-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(77,184,232,0.4);
}

/* Hamburger */
.fof-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
}
.fof-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all 0.3s;
}
.fof-hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.fof-hamburger.open span:nth-child(2) { opacity: 0; }
.fof-hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile nav */
.fof-mobile-nav {
  display: none;
  position: fixed;
  top: var(--nav-h);
  left: 0; right: 0;
  background: var(--navy);
  z-index: 999;
  overflow-y: auto;
  max-height: calc(100vh - var(--nav-h));
  padding: 16px 0 24px;
}
.fof-mobile-nav.open { display: block; }
.fof-mobile-item { border-bottom: 1px solid rgba(255,255,255,0.07); }
.fof-mobile-link {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 24px;
  font-size: 15px;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
  cursor: pointer;
}
.fof-mobile-link svg { transition: transform 0.2s; }
.fof-mobile-link.open svg { transform: rotate(180deg); }
.fof-mobile-sub {
  display: none;
  padding: 4px 0 12px 36px;
  background: rgba(255,255,255,0.03);
}
.fof-mobile-sub.open { display: block; }
.fof-mobile-sub a {
  display: block;
  padding: 8px 24px;
  font-size: 13.5px;
  color: rgba(255,255,255,0.65);
}
.fof-mobile-sub a:hover { color: var(--teal); }
.fof-mobile-sub-head {
  padding: 10px 24px 4px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--teal);
}
.fof-mobile-ctas {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 20px 24px 0;
}
.fof-mobile-ctas a {
  display: block;
  text-align: center;
  padding: 14px;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 600;
}
.fof-mobile-ctas .ghost {
  border: 1.5px solid rgba(255,255,255,0.25);
  color: rgba(255,255,255,0.9);
}
.fof-mobile-ctas .fill {
  background: var(--teal);
  color: #fff;
}

/* ============================================================
   HERO
   ============================================================ */
.fof-hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  padding: calc(var(--nav-h) + 60px) 24px 80px;
  text-align: center;
}

.fof-hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #060f1e 0%, #0b1f3a 40%, #0d2545 70%, #071525 100%);
  z-index: 0;
}

/* Animated gradient orbs */
.fof-hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.18;
  animation: fof-orb-float 8s ease-in-out infinite;
}
.fof-hero-orb-1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, #4db8e8, transparent 70%);
  top: -150px; left: -100px;
  animation-delay: 0s;
}
.fof-hero-orb-2 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, #2d7dd2, transparent 70%);
  bottom: -100px; right: -100px;
  animation-delay: -3s;
}
.fof-hero-orb-3 {
  width: 400px; height: 400px;
  background: radial-gradient(circle, #4db8e8, transparent 70%);
  top: 40%; left: 50%;
  transform: translate(-50%, -50%);
  animation-delay: -5s;
  opacity: 0.1;
}
@keyframes fof-orb-float {
  0%, 100% { transform: translateY(0) scale(1); }
  50% { transform: translateY(-30px) scale(1.08); }
}

/* Particle canvas */
#fof-particles { position: absolute; inset: 0; z-index: 1; }

.fof-hero-content {
  position: relative;
  z-index: 2;
  max-width: 860px;
}
.fof-hero-logo {
  height: 64px;
  width: auto;
  margin-bottom: 32px;
  filter: drop-shadow(0 0 24px rgba(77,184,232,0.3));
}
.fof-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(77,184,232,0.12);
  border: 1px solid rgba(77,184,232,0.3);
  border-radius: 20px;
  padding: 6px 16px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--teal);
  letter-spacing: 0.04em;
  margin-bottom: 24px;
  text-transform: uppercase;
}
.fof-hero-h1 {
  font-size: clamp(36px, 5.5vw, 68px);
  font-weight: 900;
  line-height: 1.08;
  color: #fff;
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}
.fof-hero-h1 span {
  background: linear-gradient(90deg, var(--teal), var(--blue));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.fof-hero-sub {
  font-size: clamp(16px, 2vw, 20px);
  color: rgba(255,255,255,0.65);
  font-weight: 400;
  max-width: 540px;
  margin: 0 auto 40px;
  line-height: 1.6;
}
.fof-hero-btns {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}
.fof-btn-hero-primary {
  padding: 16px 34px;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: #fff;
  font-size: 16px;
  font-weight: 700;
  border-radius: 10px;
  transition: all 0.25s;
  box-shadow: 0 4px 24px rgba(77,184,232,0.35);
}
.fof-btn-hero-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(77,184,232,0.5);
}
.fof-btn-hero-outline {
  padding: 16px 34px;
  background: transparent;
  color: #fff;
  font-size: 16px;
  font-weight: 600;
  border-radius: 10px;
  border: 2px solid rgba(255,255,255,0.3);
  transition: all 0.25s;
}
.fof-btn-hero-outline:hover {
  border-color: rgba(255,255,255,0.7);
  background: rgba(255,255,255,0.07);
  transform: translateY(-2px);
}

/* Trust indicators */
.fof-hero-trust {
  margin-top: 56px;
  display: flex;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}
.fof-hero-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.55);
  font-size: 13px;
  font-weight: 500;
}
.fof-hero-trust-item svg { color: var(--teal); flex-shrink: 0; }

/* Scroll arrow */
.fof-scroll-arrow {
  position: absolute;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  color: rgba(255,255,255,0.35);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  animation: fof-bounce 2s ease-in-out infinite;
}
@keyframes fof-bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(8px); }
}

/* ============================================================
   LOAN TYPE PHOTO CARDS
   ============================================================ */
.fof-loan-types {
  background: var(--navy);
  padding: 64px 0;
  overflow: hidden;
}
.fof-loan-types-inner {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px 32px;
}
.fof-section-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--teal);
  margin-bottom: 10px;
}
.fof-section-title {
  font-size: clamp(26px, 3.5vw, 40px);
  font-weight: 800;
  line-height: 1.15;
  color: var(--text-dark);
  letter-spacing: -0.02em;
  margin-bottom: 8px;
}
.fof-section-title-white { color: #fff; }
.fof-section-sub {
  font-size: 16px;
  color: var(--text-mid);
  max-width: 560px;
}
.fof-section-sub-white { color: rgba(255,255,255,0.6); }

.fof-cards-scroll-wrapper {
  overflow-x: auto;
  padding: 4px 24px 16px;
  scrollbar-width: thin;
  scrollbar-color: rgba(77,184,232,0.3) transparent;
  -webkit-overflow-scrolling: touch;
}
.fof-cards-scroll-wrapper::-webkit-scrollbar { height: 4px; }
.fof-cards-scroll-wrapper::-webkit-scrollbar-track { background: transparent; }
.fof-cards-scroll-wrapper::-webkit-scrollbar-thumb { background: rgba(77,184,232,0.3); border-radius: 2px; }

.fof-cards-row {
  display: flex;
  gap: 16px;
  width: max-content;
}

.fof-loan-card {
  position: relative;
  width: 220px;
  height: 300px;
  border-radius: 14px;
  overflow: hidden;
  cursor: pointer;
  flex-shrink: 0;
  transition: transform 0.3s, box-shadow 0.3s;
  box-shadow: 0 4px 20px rgba(0,0,0,0.3);
}
.fof-loan-card:hover {
  transform: scale(1.04) translateY(-4px);
  box-shadow: 0 12px 40px rgba(0,0,0,0.5);
}
.fof-loan-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s;
}
.fof-loan-card:hover img { transform: scale(1.06); }
.fof-loan-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(7,15,30,0.92) 0%, rgba(7,15,30,0.4) 50%, transparent 100%);
}
.fof-loan-card-label {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 20px 16px 16px;
  color: #fff;
}
.fof-loan-card-label h3 {
  font-size: 17px;
  font-weight: 700;
  margin-bottom: 4px;
}
.fof-loan-card-label span {
  font-size: 12px;
  color: var(--teal);
  font-weight: 500;
}

/* ============================================================
   STATS BAR
   ============================================================ */
.fof-stats {
  background: #fff;
  border-bottom: 1px solid var(--grey-mid);
  padding: 0;
}
.fof-stats-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.fof-stat-item {
  padding: 32px 20px;
  text-align: center;
  border-right: 1px solid var(--grey-mid);
  position: relative;
}
.fof-stat-item:last-child { border-right: none; }
.fof-stat-num {
  font-size: clamp(28px, 3vw, 40px);
  font-weight: 900;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 6px;
}
.fof-stat-num span { color: var(--teal); }
.fof-stat-label {
  font-size: 13px;
  color: var(--text-light);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.fof-hiw {
  background: var(--grey-light);
  padding: 80px 24px;
}
.fof-hiw-inner {
  max-width: 1100px;
  margin: 0 auto;
}
.fof-section-header {
  text-align: center;
  margin-bottom: 56px;
}
.fof-hiw-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  position: relative;
}
.fof-hiw-steps::before {
  content: '';
  position: absolute;
  top: 40px;
  left: calc(16.66% + 40px);
  right: calc(16.66% + 40px);
  height: 2px;
  background: linear-gradient(90deg, var(--teal), var(--blue));
  opacity: 0.3;
}
.fof-hiw-step {
  background: #fff;
  border-radius: var(--radius);
  padding: 36px 28px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: box-shadow 0.3s, transform 0.3s;
}
.fof-hiw-step:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.fof-hiw-step-num {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--teal), var(--blue));
  color: #fff;
  font-size: 22px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 4px 16px rgba(77,184,232,0.3);
}
.fof-hiw-step h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.fof-hiw-step p {
  font-size: 14px;
  color: var(--text-mid);
  line-height: 1.6;
}
.fof-hiw-icon {
  font-size: 28px;
  margin-bottom: 16px;
}

/* ============================================================
   LENDER CAROUSEL (embedded)
   ============================================================ */
.fof-carousel-section {
  padding: 60px 20px;
  background: #0B1F3A;
  overflow: hidden;
}
.fof-carousel-section h2 {
  text-align: center;
  font-family: var(--font);
  font-size: 28px;
  font-weight: 700;
  color: #ffffff;
  margin: 0 0 8px 0;
}
.fof-carousel-section > p {
  text-align: center;
  font-family: var(--font);
  font-size: 16px;
  color: rgba(255,255,255,0.65);
  margin: 0 0 40px 0;
}
.fof-carousel-track-wrapper {
  position: relative;
  width: 100%;
  overflow: hidden;
  mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}
.fof-carousel-track {
  display: flex;
  align-items: center;
  gap: 60px;
  width: max-content;
  animation: fof-scroll 45s linear infinite;
}
.fof-carousel-track:hover { animation-play-state: paused; }
.fof-carousel-track img {
  height: 34px;
  width: auto;
  max-width: 130px;
  object-fit: contain;
  filter: none;
  opacity: 1;
  transition: all 0.3s ease;
  flex-shrink: 0;
  background: #ffffff;
  padding: 10px 18px;
  border-radius: 8px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}
.fof-carousel-track img:hover {
  transform: scale(1.06);
  box-shadow: 0 4px 16px rgba(77,184,232,0.3);
}
.fof-carousel-track.reverse { animation: fof-scroll-reverse 50s linear infinite; }
.fof-carousel-track.reverse:hover { animation-play-state: paused; }
.fof-row-gap { height: 32px; }
@keyframes fof-scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
@keyframes fof-scroll-reverse {
  0% { transform: translateX(-50%); }
  100% { transform: translateX(0); }
}

/* ============================================================
   CALCULATOR
   ============================================================ */
.fof-calc {
  background: #fff;
  padding: 80px 24px;
}
.fof-calc-inner {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.fof-calc-form {
  background: var(--grey-light);
  border-radius: 16px;
  padding: 36px;
}
.fof-calc-form .fof-field { margin-bottom: 20px; }
.fof-calc-form label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.fof-calc-form input[type="range"] {
  width: 100%;
  accent-color: var(--teal);
  cursor: pointer;
  height: 4px;
  border-radius: 2px;
}
.fof-calc-form .fof-range-val {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--text-light);
  margin-top: 4px;
}
.fof-calc-form .fof-range-current {
  text-align: center;
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
}
.fof-calc-btn {
  width: 100%;
  padding: 14px;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  color: #fff;
  font-size: 15px;
  font-weight: 700;
  border-radius: 10px;
  border: none;
  cursor: pointer;
  margin-top: 4px;
  transition: all 0.2s;
}
.fof-calc-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(77,184,232,0.4);
}
.fof-calc-results {
  background: var(--navy);
  border-radius: 16px;
  padding: 36px;
  color: #fff;
}
.fof-calc-results h3 {
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--teal);
  margin-bottom: 28px;
}
.fof-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.fof-result-row:last-of-type { border-bottom: none; }
.fof-result-label { font-size: 14px; color: rgba(255,255,255,0.65); }
.fof-result-val { font-size: 20px; font-weight: 800; color: #fff; }
.fof-result-val-main { font-size: 28px; color: var(--teal); }
.fof-calc-disclaimer {
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 11px;
  color: rgba(255,255,255,0.35);
  line-height: 1.5;
}
.fof-calc-intro { margin-bottom: 20px; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.fof-testimonials {
  background: var(--grey-light);
  padding: 80px 24px;
}
.fof-testimonials-inner {
  max-width: 1100px;
  margin: 0 auto;
}
.fof-testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.fof-testimonial-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s, transform 0.3s;
  position: relative;
}
.fof-testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}
.fof-testimonial-card::before {
  content: '"';
  position: absolute;
  top: 16px;
  right: 24px;
  font-size: 80px;
  line-height: 1;
  color: var(--teal);
  opacity: 0.12;
  font-family: Georgia, serif;
}
.fof-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
}
.fof-star { color: #f5a623; font-size: 16px; }
.fof-testimonial-quote {
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--text-mid);
  margin-bottom: 20px;
}
.fof-testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.fof-testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 700;
  color: #fff;
  flex-shrink: 0;
}
.fof-testimonial-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
}
.fof-testimonial-role {
  font-size: 12px;
  color: var(--text-light);
}

/* ============================================================
   CTA BANNER
   ============================================================ */
.fof-cta-banner {
  background: linear-gradient(135deg, #2da0d0 0%, #4db8e8 40%, #2d7dd2 100%);
  padding: 72px 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.fof-cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M0 0h40v40H0V0zm40 40h40v40H40V40zm0-40h2l-2 2V0zm0 4l4-4h2l-6 6V4zm0 4l8-8h2L40 10V8zm0 4L52 0h2L40 14v-2zm0 4L56 0h2L40 18v-2zm0 4L60 0h2L40 22v-2zm0 4L64 0h2L40 26v-2zm0 4L68 0h2L40 30v-2zm0 4L72 0h2L40 34v-2zm0 4L76 0h2L40 38v-2zm0 4L80 0v2L42 40h-2zm4 0L80 4v2L46 40h-2zm4 0L80 8v2L50 40h-2zm4 0L80 12v2L54 40h-2zm4 0L80 16v2L58 40h-2zm4 0L80 20v2L62 40h-2zm4 0L80 24v2L66 40h-2zm4 0L80 28v2L70 40h-2zm4 0L80 32v2L74 40h-2zm4 0L80 36v2L78 40h-2zm4 0L80 40L80 40h-2z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.fof-cta-banner-inner { position: relative; z-index: 1; max-width: 700px; margin: 0 auto; }
.fof-cta-banner h2 {
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 900;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 14px;
  letter-spacing: -0.02em;
}
.fof-cta-banner p {
  font-size: 17px;
  color: rgba(255,255,255,0.85);
  margin-bottom: 36px;
  line-height: 1.6;
}
.fof-btn-cta-white {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 16px 36px;
  background: #fff;
  color: var(--teal-dark);
  font-size: 16px;
  font-weight: 800;
  border-radius: 10px;
  transition: all 0.25s;
  box-shadow: 0 4px 20px rgba(0,0,0,0.15);
}
.fof-btn-cta-white:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(0,0,0,0.2);
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.fof-trust {
  background: #fff;
  border-top: 1px solid var(--grey-mid);
  border-bottom: 1px solid var(--grey-mid);
  padding: 28px 24px;
}
.fof-trust-inner {
  max-width: 1000px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.fof-trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--text-mid);
  font-weight: 500;
}
.fof-trust-badge {
  background: var(--navy);
  color: #fff;
  border-radius: 6px;
  padding: 6px 12px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.fof-trust-badge-blue {
  background: var(--blue);
}
.fof-trust-divider {
  width: 1px;
  height: 32px;
  background: var(--grey-mid);
}

/* ============================================================
   FOOTER
   ============================================================ */
.fof-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  padding: 64px 24px 0;
}
.fof-footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.fof-footer-brand img { height: 40px; width: auto; margin-bottom: 16px; }
.fof-footer-brand p {
  font-size: 13.5px;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  max-width: 260px;
  margin-bottom: 20px;
}
.fof-footer-social { display: flex; gap: 10px; }
.fof-social-link {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 15px;
  color: rgba(255,255,255,0.65);
  transition: all 0.2s;
}
.fof-social-link:hover { background: var(--teal); color: #fff; }
.fof-footer-col h4 {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.5);
  margin-bottom: 16px;
}
.fof-footer-col a {
  display: block;
  font-size: 13.5px;
  color: rgba(255,255,255,0.65);
  padding: 5px 0;
  transition: color 0.15s;
}
.fof-footer-col a:hover { color: var(--teal); }
.fof-footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}
.fof-footer-copyright {
  font-size: 12.5px;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
}
.fof-footer-disclaimer {
  font-size: 11px;
  color: rgba(255,255,255,0.3);
  max-width: 700px;
  line-height: 1.6;
  text-align: right;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .fof-nav-menu { display: none; }
  .fof-nav-ctas { display: none; }
  .fof-hamburger { display: flex; }
  .fof-stats-inner { grid-template-columns: repeat(2, 1fr); }
  .fof-stat-item:nth-child(2) { border-right: none; }
  .fof-stat-item:nth-child(3) { border-right: 1px solid var(--grey-mid); }
  .fof-stat-item:nth-child(3), .fof-stat-item:nth-child(4) { border-top: 1px solid var(--grey-mid); }
  .fof-footer-inner { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .fof-hiw-steps { grid-template-columns: 1fr; }
  .fof-hiw-steps::before { display: none; }
  .fof-testimonials-grid { grid-template-columns: 1fr; }
  .fof-calc-inner { grid-template-columns: 1fr; }
  .fof-footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .fof-footer-bottom { flex-direction: column; }
  .fof-footer-disclaimer { text-align: left; }
  .fof-dropdown-wide { min-width: unset; }
  .fof-stats-inner { grid-template-columns: repeat(2, 1fr); }
  .fof-trust-inner { gap: 20px; }
  .fof-trust-divider { display: none; }
  .fof-carousel-section { padding: 40px 10px; }
  .fof-carousel-section h2 { font-size: 22px; }
  .fof-carousel-track { gap: 36px; }
  .fof-carousel-track img { height: 28px; max-width: 110px; }
  .fof-row-gap { height: 20px; }
}
@media (max-width: 480px) {
  .fof-stats-inner { grid-template-columns: 1fr 1fr; }
  .fof-stat-item { padding: 20px 12px; }
  .fof-hero-btns { flex-direction: column; align-items: center; }
  .fof-btn-hero-primary, .fof-btn-hero-outline { width: 100%; max-width: 300px; text-align: center; }
}


/* Nav logo */
.fof-nav img[alt="Figure Out Finance"],
nav img[alt="Figure Out Finance"],
.fof-about-nav img[alt="Figure Out Finance"],
header img[alt="Figure Out Finance"] {
  height: 70px !important;
  width: auto !important;
  mix-blend-mode: lighten !important;
}
/* Hero logo - bigger, no box */
.fof-hero img[alt="Figure Out Finance"],
.fof-hero-content img,
[class*="hero"] img[alt="Figure Out Finance"] {
  height: 160px !important;
  width: auto !important;
  mix-blend-mode: lighten !important;
  filter: none !important;
}
/* === FOF Logo - Transparent PNG === */
img[alt="Figure Out Finance"] {
  mix-blend-mode: normal !important;
  background: transparent !important;
  border: none !important;
  box-shadow: none !important;
}
.fof-nav img[alt="Figure Out Finance"],
nav img[alt="Figure Out Finance"] {
  height: 70px !important;
  width: auto !important;
}
.fof-hero img[alt="Figure Out Finance"],
.fof-hero-content img {
  height: 160px !important;
  width: auto !important;
}
/* === NAV FIX - Make menu visible === */
.fof-nav {
  background: #0B1F3A !important;
  padding: 0 40px !important;
  display: flex !important;
  align-items: center !important;
  position: sticky !important;
  top: 0 !important;
  z-index: 9999 !important;
  border-bottom: 1px solid rgba(77,184,232,0.2) !important;
  min-height: 90px !important;
}
.fof-nav-inner {
  display: flex !important;
  align-items: center !important;
  justify-content: space-between !important;
  width: 100% !important;
  max-width: 1400px !important;
  margin: 0 auto !important;
}
.fof-nav-menu {
  display: flex !important;
  list-style: none !important;
  margin: 0 !important;
  padding: 0 !important;
  gap: 4px !important;
  align-items: center !important;
}
.fof-nav-menu > li > a {
  display: block !important;
  color: #ffffff !important;
  text-decoration: none !important;
  font-size: 15px !important;
  font-weight: 600 !important;
  padding: 12px 16px !important;
  white-space: nowrap !important;
  transition: color 0.2s !important;
}
.fof-nav-menu > li > a:hover { color: #4db8e8 !important; }
.fof-nav-ctas {
  display: flex !important;
  gap: 10px !important;
  align-items: center !important;
}
.fof-nav-ctas a {
  font-size: 14px !important;
  font-weight: 700 !important;
  padding: 10px 20px !important;
  border-radius: 6px !important;
  text-decoration: none !important;
  white-space: nowrap !important;
}
.fof-nav-contact {
  color: #ffffff !important;
  border: 1px solid rgba(255,255,255,0.3) !important;
}
.fof-nav-contact:hover { border-color: #4db8e8 !important; color: #4db8e8 !important; }
.fof-nav-quote {
  background: #4db8e8 !important;
  color: #0B1F3A !important;
}
.fof-nav-quote:hover { background: #2d9fd4 !important; }

/* Dropdown */
.fof-nav-menu li { position: relative !important; }
.fof-dropdown {
  display: none !important;
  position: absolute !important;
  top: 100% !important;
  left: 0 !important;
  background: #0d2444 !important;
  border: 1px solid rgba(77,184,232,0.15) !important;
  border-radius: 8px !important;
  padding: 16px !important;
  min-width: 220px !important;
  box-shadow: 0 20px 40px rgba(0,0,0,0.4) !important;
  z-index: 9999 !important;
}
.fof-nav-menu li:hover .fof-dropdown { display: block !important; }
.fof-dropdown a {
  display: block !important;
  color: rgba(255,255,255,0.8) !important;
  text-decoration: none !important;
  padding: 8px 12px !important;
  font-size: 14px !important;
  border-radius: 4px !important;
}
.fof-dropdown a:hover { background: rgba(77,184,232,0.1) !important; color: #4db8e8 !important; }

/* Leisure mega dropdown - 4 cols */
.fof-mega-dropdown {
  display: none !important;
  position: absolute !important;
  top: 100% !important;
  left: -200px !important;
  background: #0d2444 !important;
  border: 1px solid rgba(77,184,232,0.15) !important;
  border-radius: 8px !important;
  padding: 24px !important;
  width: 700px !important;
  box-shadow: 0 20px 40px rgba(0,0,0,0.4) !important;
  z-index: 9999 !important;
  display: none !important;
}
.fof-nav-menu li:hover .fof-mega-dropdown { display: grid !important; grid-template-columns: repeat(4,1fr) !important; gap: 16px !important; }
.fof-mega-col h4 { color: #4db8e8 !important; font-size: 12px !important; font-weight: 700 !important; text-transform: uppercase !important; letter-spacing: 1px !important; margin: 0 0 10px !important; }
.fof-mega-col a { display: block !important; color: rgba(255,255,255,0.75) !important; text-decoration: none !important; padding: 5px 0 !important; font-size: 13px !important; }
.fof-mega-col a:hover { color: #4db8e8 !important; }

/* Hide WP theme's own header/nav that's showing "Home" */
.site-branding, .main-navigation, .entry-header { display: none !important; } .site-header { background: transparent !important; height: 0 !important; padding: 0 !important; margin: 0 !important; overflow: hidden !important; }
.entry-content { margin: 0 !important; padding: 0 !important; display: block !important; }
body { margin-top: 0 !important; }
/* === NAV SIZE FIX === */
.fof-nav, #fof-nav { min-height: 90px !important; }
.fof-nav-inner { min-height: 90px !important; }

/* Logo - 4x bigger */
.fof-nav-logo img,
.fof-nav img[alt="Figure Out Finance"],
nav img[alt="Figure Out Finance"] {
  height: 220px !important;
  width: auto !important;
  mix-blend-mode: screen !important;
}

/* Menu font size */
.fof-nav-menu > li > a,
.fof-nav-menu > li > span {
  font-size: 20px !important;
  font-weight: 700 !important;
  padding: 14px 20px !important;
}

/* CTA buttons bigger */
.fof-nav-ctas a,
.fof-btn-nav-ghost,
.fof-btn-nav-fill {
  font-size: 18px !important;
  padding: 14px 28px !important;
  font-weight: 700 !important;
}/* Video hero background */
.fof-video-bg {
  position: absolute !important;
  inset: -10% !important;
  z-index: 0 !important;
  pointer-events: none !important;
  overflow: hidden !important;
  width: 120% !important;
  height: 120% !important;
}
.fof-video-bg iframe {
  width: 100% !important;
  height: 100% !important;
  border: none !important;
  transform: scale(1.1) !important;
}
/* LAYOUT FIX */
body { height: auto !important; min-height: 100vh; }
.page-hero { overflow: visible !important; flex-shrink: 0 !important; }
.fof-carousel-section { flex-shrink: 0 !important; }
.stats-bar, .section, .dark-section, .calc-section, .cta-banner, .fof-footer { flex-shrink: 0 !important; }
/* === STICKY BROKER CARD === */
#chat-widget-container, .chat-widget-button, [id*='chat-widget'], [class*='hl-chat'], iframe[src*='msgsndr'] { display: none !important; }
.fof-sticky-card { position: fixed; bottom: 28px; right: 24px; z-index: 99999; background: #0B1F3A; border: 1px solid rgba(77,184,232,0.25); border-radius: 16px; padding: 16px 18px; display: flex; align-items: center; gap: 14px; box-shadow: 0 8px 40px rgba(0,0,0,0.45); min-width: 240px; animation: fof-card-in 0.4s ease forwards; }
@keyframes fof-card-in { from { opacity:0; transform:translateY(20px); } to { opacity:1; transform:translateY(0); } }
.fof-sticky-card-avatar { width:52px; height:52px; border-radius:50%; object-fit:cover; border:2px solid rgba(77,184,232,0.4); flex-shrink:0; }
.fof-sticky-card-info { flex:1; }
.fof-sticky-card-name { font-family:'Inter',sans-serif; font-size:14px; font-weight:700; color:#fff; margin-bottom:2px; }
.fof-sticky-card-title { font-family:'Inter',sans-serif; font-size:11.5px; color:rgba(255,255,255,0.55); margin-bottom:10px; }
.fof-sticky-card-btn { display:flex; align-items:center; gap:7px; background:#4db8e8; color:#fff !important; font-family:'Inter',sans-serif; font-size:13px; font-weight:700; padding:8px 14px; border-radius:8px; text-decoration:none !important; }
.fof-sticky-card-btn:hover { background:#2da0d0; }
.fof-sticky-card-close { position:absolute; top:8px; right:10px; color:rgba(255,255,255,0.3); font-size:16px; cursor:pointer; line-height:1; padding:2px 6px; }
.fof-sticky-card-close:hover { color:rgba(255,255,255,0.7); }
@media(max-width:480px){ .fof-sticky-card { bottom:16px; right:12px; left:12px; min-width:unset; } }/* End custom CSS */