/*
  REFS Australia — overrides for Creote Home 7 template
  Loaded after Creote stylesheets. Refinements only, no vendor edits.
*/

/* ---------- REFS colour tokens ---------- */
:root {
  --primary-color-one: #1F79A8;
  --primary-color-two: #14233A;
  --primary-color-three: #F4F7FB;
  --heading-dark: #14233A;
  --text-color-dark: #5A6B7E;
  --menu-active-color: #1F79A8;
  --footer-default-bgcolor: #14233A;
  --refs-navy-2: #1E2F4D;
  --refs-warm-white: #F7F4EE;
  --refs-gold: #D99323;
  --refs-gold-dark: #B87A18;
  --refs-hairline: #E3E7EB;
}

/* Suppress missing Icomoon glyph boxes; REFS uses inline SVG. */
[class^="icon-"]::before,
[class*=" icon-"]::before { content: "" !important; font-family: inherit !important; }

/* ---------- Header ---------- */
.refs-header-scope .logo_default,
.refs-header-scope .logo__sticky { height: 90px !important; width: auto !important; max-height: 90px; }
.refs-header-scope .header_logo_box { padding: 0; }
.refs-header-scope .logo { display: inline-block; padding: 0; line-height: 0; }
.refs-header-scope .header .container-fluid { padding-top: 12px; padding-bottom: 12px; }
/* Keep all menu items on ONE line — nowrap the ul, tighten spacing */
.refs-header-scope .header_content_collapse { display: flex; align-items: center; }
.refs-header-scope .header_menu_box { width: 100%; }
.refs-header-scope .navigation_menu { width: 100%; }
.refs-header-scope .navbar_nav {
  display: flex !important;
  flex-wrap: nowrap !important;
  align-items: center;
  justify-content: center;
  gap: 4px;
  margin: 0;
  padding: 0;
}
.refs-header-scope .navbar_nav > li { list-style: none; white-space: nowrap; }
.refs-header-scope .navbar_nav > li > a {
  font-size: 13.5px;
  padding: 0 12px;
  letter-spacing: .01em;
  white-space: nowrap;
}
.refs-header-scope .header_right_content ul { display: flex; justify-content: flex-end; align-items: center; margin: 0; padding: 0; gap: 12px; }
.refs-header-scope .header_right_content ul li { list-style: none; }
.refs-header-scope .refs-cta { white-space: nowrap; letter-spacing: .04em; }
/* Tighten column widths so nav + CTA share the row without wrapping */
.refs-header-scope .logo_column { flex: 0 0 auto; }
.refs-header-scope .menu_column { flex: 1 1 auto; }
.refs-header-scope .right_column { flex: 0 0 auto; }

/* ---------- Hero — proper 6/6 columns, contained image on the right ---------- */
.refs-hero-scope { overflow: hidden; }
.refs-hero-scope .slider_content h6 {
  color: var(--refs-gold);
  letter-spacing: .22em;
  text-transform: uppercase;
  font-weight: 700;
}
.refs-hero-scope .slider_content h1 .refs-hero-accent {
  display: block;
  font-weight: 400;
  color: #1F79A8;
}
.refs-hero-scope .slider_content ul li { color: #14233A; font-weight: 500; }
.refs-hero-scope .thm_btn { display: flex; flex-wrap: wrap; gap: 14px 20px; align-items: center; }

/* Hero CTA buttons - ensure both are visible at rest */
.refs-hero-scope .thm_btn a.theme-btn {
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  text-align: center !important;
  min-height: 52px;
  line-height: 1.3 !important;
}
.refs-hero-scope .thm_btn a.theme-btn.refs-hero-secondary {
  background: rgba(255,255,255,.95) !important;
  color: #14233A !important;
  border: 2px solid #14233A !important;
  padding: 14px 28px;
  font-weight: 600;
  box-shadow: 0 4px 12px rgba(20,35,58,.08);
  transition: all .3s ease !important;
}
.refs-hero-scope .thm_btn a.theme-btn.refs-hero-secondary:hover,
.refs-hero-scope .thm_btn a.theme-btn.refs-hero-secondary:focus { 
  background: #14233A !important; 
  color: #fff !important; 
  box-shadow: 0 8px 20px rgba(20,35,58,.18);
}

/* Info-strip at hero bottom — inline (not overlapping) */
.refs-hero-scope .contact_box_ban {
  position: relative !important;
  border-left: 3px solid var(--refs-gold);
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(6px);
  padding: 16px 20px !important;
  bottom: auto !important;
  top: auto !important;
  left: auto !important;
  right: auto !important;
  margin-top: 26px;
  border-radius: 4px;
  box-shadow: 0 8px 30px rgba(20,35,58,.10);
  max-width: 640px;
  display: inline-flex !important;
  align-items: center;
}
.refs-hero-scope .refs-inline-cta { color: #1F79A8; font-weight: 600; text-decoration: underline; }
.refs-hero-scope .refs-inline-cta:hover { color: var(--refs-gold); }
.refs-hero-scope .contact_box_ban .icon_bx {
  background: var(--primary-color-two);
  width: 46px !important; height: 46px !important; min-width: 46px !important;
  border-radius: 50%;
  display: inline-flex !important;
  align-items: center; justify-content: center;
  margin-right: 14px; padding: 0;
  box-shadow: 0 6px 18px rgba(20,35,58,.25);
}
.refs-hero-scope .contact_box_ban .icon_bx svg { color: var(--refs-gold); }

/* Hero image → proper right-column framed photo, aligned with text */
.refs-hero-scope .slide-item-content .contnet_d_flex { align-items: center; min-height: 0; }
.refs-hero-scope .slide-item-content .contnet_d_flex .text_box_content { width: 52% !important; min-width: 52% !important; max-width: 52%; padding-right: 20px; }
.refs-hero-scope .slide-item-content .image_content { width: 48%; display: flex; justify-content: flex-end; align-items: center; position: relative; }
.refs-hero-scope .slide-item-content .image_content::before {
  content: "";
  position: absolute;
  right: -14px;
  bottom: -18px;
  width: 120px;
  height: 120px;
  background: var(--refs-gold);
  border-radius: 4px;
  z-index: 0;
  opacity: .18;
}
.refs-hero-scope .slide-item-content .slider_image {
  position: relative !important;
  right: auto !important;
  bottom: auto !important;
  top: auto !important;
  min-width: 0 !important;
  width: 100%;
  max-width: 540px;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 30px 60px rgba(20,35,58,.18);
  aspect-ratio: 5 / 4;
  z-index: 1;
}
.refs-hero-scope .slide-item-content .slider_image::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(155deg, rgba(20,35,58,0) 40%, rgba(20,35,58,.25) 100%);
  pointer-events: none;
  border-radius: 8px;
}
.refs-hero-scope .slide-item-content .slider_image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  max-height: none;
}
/* Tighter vertical rhythm so text + image sit together in the viewport */
.refs-hero-scope .slide-item-content .slider_content { padding: 70px 0 100px !important; }
.refs-hero-scope .slide-item-content .slider_content h1 { font-size: 60px !important; line-height: 1.08 !important; margin-bottom: 22px; }
.refs-hero-scope .slide-item-content .slider_content h6 { margin-bottom: 18px; }
.refs-hero-scope .slide-item-content .slider_content p { margin-bottom: 20px; }
.refs-hero-scope .slide-item-content .slider_content ul { margin-bottom: 28px; }

/* ---------- Starting-point section ---------- */
.refs-starting-point-scope .title-sec.bg_dark_3 { background: linear-gradient(180deg, #14233A 0%, #1E2F4D 100%); }
.refs-starting-point-scope .service_box.style_five .content_inner > span[class^="icon-"]:not(.refs-svg-icon),
.refs-starting-point-scope .service_box.style_five .content_inner > span[class*=" icon-"]:not(.refs-svg-icon) { display: none !important; }

.refs-starting-point-scope .service_box.style_five {
  background: #fff;
  border-radius: 10px;
  overflow: visible;
  box-shadow: 0 4px 24px rgba(20,35,58,.06);
  transition: transform .35s ease, box-shadow .35s ease;
  height: 100%;
}
.refs-starting-point-scope .service_box.style_five .service_content {
  height: 100%;
  display: flex;
  flex-direction: column;
}
.refs-starting-point-scope .service_box.style_five:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 40px rgba(20,35,58,.14);
}

/* Image on top of each card — consistent height, rounded top */
.refs-starting-point-scope .service_box.style_five .image_box {
  position: relative;
  overflow: hidden;
  border-top-left-radius: 10px;
  border-top-right-radius: 10px;
  height: 200px;
  flex: 0 0 200px;
}
.refs-starting-point-scope .service_box.style_five .image_box::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(20,35,58,0) 55%, rgba(20,35,58,.45) 100%);
  pointer-events: none;
}
.refs-starting-point-scope .service_box.style_five .image_box img {
  transition: transform .7s ease;
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.refs-starting-point-scope .service_box.style_five:hover .image_box img { transform: scale(1.05); }

/* Content area — flex column, LEARN MORE anchored to bottom */
.refs-starting-point-scope .service_box.style_five .content_inner {
  position: relative;
  padding: 46px 26px 26px 26px !important;
  border: 0 !important;
  background: #fff;
  border-radius: 0 0 10px 10px !important;
  flex: 1;
  display: flex;
  flex-direction: column;
  min-height: 240px;
}

/* Icon medallion — PROPERLY CIRCULAR (square-sized, aspect-ratio: 1, no box-sizing surprises) */
.refs-starting-point-scope .service_box.style_five .service_content .content_inner .refs-svg-icon {
  position: absolute !important;
  top: -30px !important;
  left: 26px !important;
  right: auto !important;
  bottom: auto !important;
  margin: 0 !important;
  width: 60px !important;
  height: 60px !important;
  min-width: 60px !important;
  min-height: 60px !important;
  max-width: 60px !important;
  max-height: 60px !important;
  aspect-ratio: 1 / 1;
  border-radius: 50% !important;
  background: var(--primary-color-two) !important;
  color: var(--refs-gold) !important;
  border: 3px solid #fff !important;
  box-shadow: 0 10px 24px rgba(20,35,58,.22);
  box-sizing: border-box !important;
  padding: 0 !important;
  line-height: 1 !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  transition: background .35s ease, color .35s ease, transform .35s ease, box-shadow .35s ease;
}
.refs-starting-point-scope .service_box.style_five .service_content .content_inner .refs-svg-icon svg {
  width: 24px;
  height: 24px;
  display: block;
}
.refs-starting-point-scope .service_box.style_five:hover .refs-svg-icon {
  background: var(--refs-gold) !important;
  color: #fff !important;
  transform: scale(1.06);
  box-shadow: 0 12px 28px rgba(217,147,35,.4);
}

/* Text stack: title → description (flex-1 pushes CTA down) → learn more */
.refs-starting-point-scope .service_box.style_five .text_box {
  margin-left: 0 !important;
  flex: 1;
  display: flex;
  flex-direction: column;
  min-width: 0;
}
.refs-starting-point-scope .service_box.style_five h2 { margin: 0 0 10px; }
.refs-starting-point-scope .service_box.style_five h2 a {
  font-size: 19px;
  line-height: 1.3;
  color: #14233A;
  font-weight: 700;
  letter-spacing: -.01em;
  display: block;
  padding-bottom: 0;
  margin: 0;
}
.refs-starting-point-scope .service_box.style_five .text_box p {
  color: #5A6B7E;
  font-size: 14.5px;
  line-height: 1.55;
  margin: 0 0 20px;
  flex: 1;
}

.refs-card-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: auto;
  padding-top: 14px;
  border-top: 1px solid var(--refs-hairline);
  font-weight: 700;
  color: #14233A;
  text-transform: uppercase;
  font-size: 11.5px;
  letter-spacing: .18em;
  align-self: stretch;
}
.refs-card-link svg { transition: transform .25s ease; color: var(--refs-gold); }
.refs-starting-point-scope .service_box.style_five:hover .refs-card-link { color: var(--refs-gold); }
.refs-starting-point-scope .service_box.style_five:hover .refs-card-link svg { transform: translateX(4px); }

/* Force equal card heights via row alignment */
.refs-starting-point-scope .service-box-wrapper .row { align-items: stretch; }
.refs-starting-point-scope .service-box-wrapper .row > [class*="col-"] { display: flex; }

/* ---------- 24-month pathway ---------- */
.refs-pathway-scope { background: var(--refs-warm-white); }
.refs-pathway-scope .refs-stage-row { margin-top: 40px; align-items: stretch; }
.refs-pathway-scope .refs-stage-row > [class*="col-"] { display: flex; }
.refs-pathway-scope .refs-stage-card {
  position: relative;
  background: #fff;
  box-shadow: 0 4px 24px rgba(20, 35, 58, .06);
  border-top: 3px solid var(--refs-hairline);
  padding: 32px 26px 30px;
  width: 100%;
  height: 100%;
  transition: transform .35s ease, box-shadow .35s ease, border-top-color .35s ease;
  display: flex;
  flex-direction: column;
}
.refs-pathway-scope .refs-stage-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px rgba(20, 35, 58, .10);
  border-top-color: var(--refs-gold);
}

/* Pathway icon — perfect circle too */
.refs-pathway-scope .refs-stage-card .refs-svg-icon {
  width: 54px !important;
  height: 54px !important;
  min-width: 54px;
  min-height: 54px;
  max-width: 54px;
  max-height: 54px;
  aspect-ratio: 1 / 1;
  margin-bottom: 22px;
  border-radius: 50%;
  background: var(--primary-color-two);
  color: var(--refs-gold);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0;
  line-height: 1;
  box-sizing: border-box;
  transition: background .35s ease, color .35s ease;
}
.refs-pathway-scope .refs-stage-card .refs-svg-icon svg { width: 22px; height: 22px; display: block; }
.refs-pathway-scope .refs-stage-card:hover .refs-svg-icon {
  background: var(--refs-gold);
  color: #fff;
}

.refs-pathway-scope .refs-stage-num {
  position: absolute;
  top: 24px;
  right: 26px;
  font-family: 'Spartan', 'Inter', sans-serif;
  font-size: 44px;
  font-weight: 800;
  color: var(--refs-gold);
  letter-spacing: -.03em;
  line-height: 1;
  opacity: .95;
}
.refs-pathway-scope .refs-stage-months {
  display: block;
  margin: 0 0 8px;
  font-size: 11px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--refs-gold);
  font-weight: 700;
}
.refs-pathway-scope .refs-stage-title {
  font-size: 20px;
  line-height: 1.25;
  color: #14233A;
  margin: 0 0 16px;
  font-weight: 700;
  letter-spacing: -.01em;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--refs-hairline);
}
.refs-pathway-scope .refs-stage-list { list-style: none; margin: 0; padding: 0; flex: 1; }
.refs-pathway-scope .refs-stage-list li {
  position: relative;
  padding: 8px 0 8px 26px;
  font-size: 14.5px;
  color: #445267;
  line-height: 1.5;
}
.refs-pathway-scope .refs-stage-list li::before {
  content: "";
  position: absolute;
  top: 14px;
  left: 0;
  width: 12px;
  height: 7px;
  border-left: 2px solid var(--refs-gold);
  border-bottom: 2px solid var(--refs-gold);
  transform: rotate(-45deg);
}
.refs-pathway-scope .refs-stage-row > [class*="col-"]:first-child .refs-stage-card { border-top-color: var(--refs-gold); }
.refs-pathway-scope .refs-pathway-note {
  margin-top: 34px;
  font-style: italic;
  color: #14233A;
  text-align: center;
  font-size: 16px;
}

/* ---------- Section title refinements ---------- */
.refs-pathway-scope .title_all_box .before_title,
.refs-starting-point-scope .title_all_box .before_title {
  color: var(--refs-gold);
  letter-spacing: .22em;
  text-transform: uppercase;
  font-weight: 700;
}

/* ---------- Responsive: mobile stack the hero properly ---------- */
@media (max-width: 991px) {
  .refs-hero-scope .slide-item-content .contnet_d_flex { flex-direction: column; }
  .refs-hero-scope .slide-item-content .contnet_d_flex .text_box_content { width: 100% !important; min-width: 100% !important; max-width: 100%; padding-right: 0; }
  .refs-hero-scope .slide-item-content .image_content { width: 100%; margin-top: 30px; }
  .refs-hero-scope .slide-item-content .slider_image { max-width: 100%; }
  .refs-hero-scope .contact_box_ban { position: relative !important; bottom: auto !important; margin-top: 20px; max-width: 100%; }
}

/* MOBILE HERO IMPROVEMENTS */
@media (max-width: 767px) {
  /* Reduce excessive top padding - higher specificity to beat vendor @media 992px rule */
  .refs-hero-scope.slider_version_v3.style_one .slide-item-content,
  .slider_version_v3.style_one.refs-hero-scope .slide-item-content,
  .refs-hero-scope .slide-item-content { 
    padding-top: 90px !important; 
    padding-bottom: 30px !important;
    padding-left: 0 !important;
    padding-right: 0 !important;
  }
  .refs-hero-scope .slide-item-content .slider_content { 
    padding: 0 0 20px !important; 
  }
  
  /* Tighter text spacing on mobile */
  .refs-hero-scope .slider_content h6 { 
    font-size: 10px !important;
    letter-spacing: 0.12em !important;
    margin-bottom: 12px !important;
  }
  .refs-hero-scope .slider_content h1 { 
    font-size: 30px !important;
    line-height: 1.15 !important;
    margin-bottom: 12px !important;
  }
  .refs-hero-scope .slider_content p { 
    font-size: 14px !important;
    line-height: 1.5 !important;
    margin-bottom: 16px !important;
  }
  .refs-hero-scope .slider_content ul { 
    margin-bottom: 20px !important;
  }
  .refs-hero-scope .slider_content ul li { 
    font-size: 13px !important;
    padding: 5px 0 !important;
  }
  
  /* FORCE show image on mobile - override vendor theme-css.css line 7930 */
  .slider_version_v3.style_one .slide-item-content .slider_image,
  .slider.style_one.slider_version_v3 .slide-item-content .slider_image,
  .refs-hero-scope.slider_version_v3.style_one .slide-item-content .slider_image,
  .refs-hero-scope .slide-item-content .slider_image,
  .refs-hero-scope .slider_image,
  .slider_image { 
    display: block !important;
    max-width: 100% !important;
    width: 100% !important;
    height: auto !important;
    min-height: 180px !important;
    border-radius: 16px !important;
    overflow: hidden !important;
    box-shadow: 0 8px 32px rgba(20,35,58,.12) !important;
    position: relative !important;
    visibility: visible !important;
    opacity: 1 !important;
    margin-bottom: 20px !important;
  }
  
  /* Image container styling */
  .refs-hero-scope .slide-item-content .image_content { 
    display: block !important; 
    width: 100% !important;
    margin-top: 0 !important;
    padding: 0 20px 20px !important;
    height: auto !important;
  }
  .refs-hero-scope .slide-item-content .image_content::before { display: none !important; }
  .refs-hero-scope .slide-item-content .slider_image::after { display: none !important; }
  
  .slider_version_v3.style_one .slide-item-content .slider_image img,
  .refs-hero-scope.slider_version_v3.style_one .slide-item-content .slider_image img,
  .refs-hero-scope .slide-item-content .slider_image img,
  .refs-hero-scope .slider_image img,
  .slider_image img { 
    width: 100% !important;
    height: auto !important;
    min-height: 180px !important;
    max-height: 240px !important;
    object-fit: cover !important;
    border-radius: 16px !important;
    display: block !important;
    visibility: visible !important;
    opacity: 1 !important;
  }
  
  /* Mobile buttons - stack and full width with proper centering */
  .refs-hero-scope .thm_btn { 
    flex-direction: column !important;
    gap: 12px !important;
    width: 100% !important;
    padding: 0 20px !important;
  }
  .refs-hero-scope .thm_btn a.theme-btn { 
    width: 100% !important;
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    padding: 16px 24px !important;
    font-size: 13px !important;
    min-height: 52px !important;
    line-height: 1.3 !important;
    box-sizing: border-box !important;
  }
  .refs-hero-scope .thm_btn a.theme-btn.refs-hero-secondary {
    background: rgba(255,255,255,.95) !important;
    color: #14233A !important;
    border: 2px solid #14233A !important;
  }
  
  /* Contact box compact on mobile */
  .refs-hero-scope .contact_box_ban { 
    margin: 0 20px 20px !important;
    padding: 16px !important;
    border-radius: 12px !important;
    background: #fff !important;
    box-shadow: 0 4px 20px rgba(20,35,58,.08) !important;
  }
}

/* ---------- Temporarily hide remaining Creote demo sections ---------- */
[data-refs-stage1-hidden] { display: none !important; }

/* ==========================================================================
   STAGE 2 STYLES — extending the approved Stage 1 language
   Navy #14233A · Blue #1F79A8 · Warm white #F7F4EE · Gold #D99323 · slate text
   ========================================================================== */

/* Shared section rhythm */
.refs-section { padding: 96px 0; position: relative; }
.refs-section .refs-eyebrow { display: inline-block; color: var(--refs-gold); font-size: 11px; font-weight: 700; letter-spacing: .22em; text-transform: uppercase; margin-bottom: 14px; }
.refs-section .refs-h2 { font-family: 'Spartan','Inter',sans-serif; font-size: 40px; line-height: 1.12; color: #14233A; font-weight: 800; letter-spacing: -.01em; margin: 0 0 22px; }
.refs-section .refs-h2--light { color: #fff; }
.refs-section .refs-lead { font-size: 16px; line-height: 1.65; color: #445267; max-width: 620px; margin: 0 0 22px; }
.refs-eyebrow--light { color: var(--refs-gold); }
.refs-inline-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; text-transform: uppercase; font-size: 11.5px; letter-spacing: .18em; color: #14233A; }
.refs-inline-arrow svg { color: var(--refs-gold); transition: transform .25s ease; }
.refs-inline-arrow:hover { color: var(--refs-gold); }
.refs-inline-arrow:hover svg { transform: translateX(4px); }
.refs-inline-arrow--light { color: #fff; }
.refs-inline-arrow--light:hover { color: var(--refs-gold); }
.refs-sr { position: absolute; left: -9999px; }

@media (max-width: 767px) { .refs-section { padding: 64px 0; } .refs-section .refs-h2 { font-size: 32px; } }

/* 1) BUILDING */
.refs-building { background: #fff; }
.refs-outcome-list { list-style: none; margin: 0; padding: 0; }
.refs-outcome-list > li { display: flex; gap: 22px; padding: 22px 0; border-top: 1px solid var(--refs-hairline); }
.refs-outcome-list > li:first-child { border-top: 0; }
.refs-outcome-num { font-family: 'Spartan','Inter',sans-serif; font-weight: 800; font-size: 30px; color: var(--refs-gold); line-height: 1; min-width: 44px; }
.refs-outcome-list h3 { font-size: 18px; font-weight: 700; color: #14233A; margin: 0 0 6px; letter-spacing: -.01em; }
.refs-outcome-list p { margin: 0; color: #5A6B7E; font-size: 14.5px; line-height: 1.55; }

/* 2) WHY (compare) — Premium visual treatment */
.refs-why { background: var(--refs-warm-white); }
.refs-why__head { max-width: 780px; margin-bottom: 44px; }
.refs-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: stretch;
  background: transparent;
  padding: 0;
  border-radius: 12px;
  box-shadow: 0 20px 60px rgba(20,35,58,.12);
  overflow: hidden;
}
.refs-compare__divider { display: none; }
.refs-compare__col {
  padding: 40px 36px;
  position: relative;
  transition: transform .4s ease;
}
.refs-compare__col--left {
  background: linear-gradient(180deg, #F7F4EE 0%, #EFE9DC 100%);
  border-right: 1px solid rgba(20,35,58,.08);
}
.refs-compare__col--left::before {
  content: "";
  position: absolute;
  top: 30px;
  right: 30px;
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: rgba(181,192,206,.12);
}
.refs-compare__col--left::after {
  content: "✕";
  position: absolute;
  top: 50px;
  right: 52px;
  font-size: 26px;
  color: rgba(181,192,206,.5);
  font-weight: 700;
}
.refs-compare__col--right {
  background: linear-gradient(180deg, #14233A 0%, #1E2F4D 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.refs-compare__col--right::before {
  content: "";
  position: absolute;
  top: -40px;
  right: -40px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(217,147,35,.25) 0%, transparent 60%);
  pointer-events: none;
}
.refs-compare__col--right::after {
  content: "✓";
  position: absolute;
  top: 30px;
  right: 30px;
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: var(--refs-gold);
  color: #14233A;
  font-size: 26px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(217,147,35,.4);
}
.refs-compare__title {
  font-size: 13px;
  letter-spacing: .22em;
  text-transform: uppercase;
  font-weight: 800;
  color: #7B8899;
  margin: 0 0 26px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(20,35,58,.1);
}
.refs-compare__title--gold {
  color: var(--refs-gold) !important;
  border-bottom-color: rgba(217,147,35,.3);
}
.refs-compare__list { list-style: none; margin: 0; padding: 0; }
.refs-compare__list li {
  position: relative;
  padding: 14px 0 14px 32px;
  font-size: 15px;
  color: #445267;
  border-top: 1px solid rgba(20,35,58,.08);
  transition: padding-left .3s ease, background .3s ease;
}
.refs-compare__col--right .refs-compare__list li {
  color: rgba(255,255,255,.9);
  border-top-color: rgba(255,255,255,.1);
}
.refs-compare__list li:first-child { border-top: 0; }
.refs-compare__list li::before {
  content: "";
  position: absolute;
  top: 20px;
  left: 0;
  width: 16px;
  height: 2px;
  background: #B5C0CE;
  border-radius: 2px;
}
.refs-compare__list--check li::before {
  width: 14px;
  height: 8px;
  top: 18px;
  background: none;
  border-left: 2.5px solid var(--refs-gold);
  border-bottom: 2.5px solid var(--refs-gold);
  transform: rotate(-45deg);
  border-radius: 0;
}
.refs-compare__list li:hover { padding-left: 40px; }
.refs-compare__col--left .refs-compare__list li:hover { background: rgba(255,255,255,.5); }
.refs-compare__col--right .refs-compare__list li:hover { background: rgba(255,255,255,.05); }
@media (max-width: 767px) {
  .refs-compare { grid-template-columns: 1fr; border-radius: 10px; }
  .refs-compare__col { padding: 30px 24px; }
  .refs-compare__col--left { border-right: 0; border-bottom: 1px solid rgba(20,35,58,.08); }
}

/* 3) SUPPORT */
.refs-support { background: #fff; }
.refs-support__lead { margin: 22px 0 24px; padding: 24px; background: linear-gradient(180deg,#14233A 0%,#1E2F4D 100%); color: #fff; border-radius: 6px; }
.refs-support__lead-inner .refs-svg-icon { background: rgba(255,255,255,.06); color: var(--refs-gold); border: 1px solid rgba(217,147,35,.4); box-shadow: none; margin-bottom: 14px; }
.refs-support__lead-inner h3 { margin: 0 0 6px; font-size: 20px; font-weight: 700; letter-spacing: -.01em; }
.refs-support__lead-inner p { margin: 0; color: rgba(255,255,255,.85); font-size: 14.5px; line-height: 1.55; }
.refs-support__image { margin-top: 20px; border-radius: 6px; overflow: hidden; box-shadow: 0 10px 30px rgba(20,35,58,.10); aspect-ratio: 4/3; }
.refs-support__image img { width: 100%; height: 100%; object-fit: cover; display: block; }
.refs-support__note { margin: 14px 0 0; font-size: 12.5px; color: #7B8899; font-style: italic; }
.refs-inclusion-list { list-style: none; margin: 0; padding: 0; }
.refs-inclusion-list > li { padding: 18px 0; border-top: 1px solid var(--refs-hairline); }
.refs-inclusion-list > li:first-child { border-top: 0; }
.refs-inclusion-list > li > span { display: block; font-weight: 700; font-size: 16px; color: #14233A; letter-spacing: -.005em; margin-bottom: 4px; }
.refs-inclusion-list > li > p { margin: 0; color: #5A6B7E; font-size: 14.5px; line-height: 1.55; }

/* 4) CALCULATOR */
.refs-calc { background: var(--refs-warm-white); }
.refs-calc__head { max-width: 780px; margin-bottom: 40px; }
.refs-calc__panel { background: #fff; border-radius: 6px; padding: 32px 28px; box-shadow: 0 4px 24px rgba(20,35,58,.06); }
.refs-field { margin-bottom: 18px; }
.refs-field label { display: block; font-weight: 700; color: #14233A; font-size: 13.5px; letter-spacing: .01em; margin-bottom: 6px; }
.refs-field input { width: 100%; padding: 12px 14px; border: 1.5px solid var(--refs-hairline); border-radius: 4px; font-size: 16px; font-family: inherit; color: #14233A; background: #fff; }
.refs-field input:focus { outline: 2px solid rgba(31,121,168,.35); outline-offset: 1px; border-color: #1F79A8; }
.refs-field input.invalid, .refs-field input[aria-invalid="true"] { border-color: #B8323A; }
.refs-help { display: block; margin-top: 6px; color: #7B8899; font-size: 12.5px; }
.refs-err { display: block; min-height: 18px; margin-top: 4px; color: #B8323A; font-size: 12.5px; }
.refs-btn-ghost { background: transparent; border: 1.5px solid #14233A; color: #14233A; padding: 10px 18px; font-weight: 700; font-size: 12.5px; letter-spacing: .12em; text-transform: uppercase; border-radius: 4px; cursor: pointer; margin-bottom: 26px; }
.refs-btn-ghost:hover { background: #14233A; color: #fff; }
.refs-calc__assumptions { padding-top: 22px; border-top: 1px solid var(--refs-hairline); }
.refs-calc__assumptions h4 { font-size: 12px; letter-spacing: .18em; text-transform: uppercase; color: #7B8899; font-weight: 700; margin: 0 0 14px; }
.refs-calc__assumptions dl { display: grid; grid-template-columns: 1fr auto; gap: 8px 12px; margin: 0; }
.refs-calc__assumptions dt { color: #445267; font-size: 13.5px; }
.refs-calc__assumptions dd { margin: 0; color: #14233A; font-weight: 700; font-size: 13.5px; }
.refs-calc__note { margin: 18px 0 0; padding-top: 16px; border-top: 1px solid var(--refs-hairline); font-size: 12px; line-height: 1.55; color: #7B8899; }
.refs-calc__results { background: #fff; border-radius: 6px; padding: 28px; box-shadow: 0 4px 24px rgba(20,35,58,.06); }
.refs-calc__chart { position: relative; width: 100%; padding: 8px 0 12px; }
.refs-calc__chart svg { width: 100%; height: auto; display: block; }
.refs-calc__chart .axis { stroke: #EEF1F5; stroke-width: 1; }
.refs-calc__chart .bar-up { fill: #14233A; }
.refs-calc__chart .bar-tr { fill: #1F79A8; }
.refs-calc__chart .net-line { stroke: #D99323; stroke-width: 2; stroke-dasharray: 4 4; }
.refs-calc__chart .vlabel { fill: #14233A; font-size: 11px; font-weight: 700; font-family: 'Spartan','Inter',sans-serif; }
.refs-calc__chart .glabel { fill: #5A6B7E; font-size: 11px; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; font-family: 'Spartan','Inter',sans-serif; }
.refs-calc__legend { display: flex; flex-wrap: wrap; gap: 14px; font-size: 12px; color: #5A6B7E; margin-top: 8px; }
.refs-calc__lg { display: inline-block; width: 14px; height: 10px; margin-right: 6px; vertical-align: middle; border-radius: 2px; }
.refs-calc__lg--up { background: #14233A; }
.refs-calc__lg--tr { background: #1F79A8; }
.refs-calc__lg--net { background: transparent; border-bottom: 2px dashed #D99323; height: 4px; }
.refs-calc__totals { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 20px 0 0; padding-top: 20px; border-top: 1px solid var(--refs-hairline); }
.refs-calc__totals > div { display: flex; flex-direction: column; }
.refs-calc__totals span { font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; color: #7B8899; font-weight: 700; }
.refs-calc__totals b { margin-top: 4px; font-family: 'Spartan','Inter',sans-serif; font-size: 20px; color: #14233A; font-weight: 800; letter-spacing: -.01em; }
.refs-calc__breakdown { margin-top: 20px; padding-top: 20px; border-top: 1px solid var(--refs-hairline); }
.refs-calc__breakdown h4 { font-size: 12px; letter-spacing: .18em; text-transform: uppercase; color: #7B8899; font-weight: 700; margin: 0 0 14px; }
.refs-calc__tbl { width: 100%; border-collapse: collapse; font-size: 13.5px; }
.refs-calc__tbl th, .refs-calc__tbl td { padding: 10px 8px; text-align: right; border-top: 1px solid var(--refs-hairline); color: #445267; }
.refs-calc__tbl th:first-child, .refs-calc__tbl td:first-child { text-align: left; }
.refs-calc__tbl th { font-weight: 700; color: #14233A; font-size: 11.5px; text-transform: uppercase; letter-spacing: .1em; }
.refs-calc__tbl td.net { color: #14233A; font-weight: 700; }
.refs-calc__cards { display: none; }
.calc-ycard { padding: 16px 0; border-top: 1px solid var(--refs-hairline); }
.calc-ycard:first-child { border-top: 0; }
.calc-ycard h5 { margin: 0 0 10px; font-size: 13px; letter-spacing: .18em; text-transform: uppercase; color: var(--refs-gold); font-weight: 800; }
.calc-ycard .yrow { display: flex; justify-content: space-between; padding: 6px 0; font-size: 14px; color: #445267; }
.calc-ycard .yrow b { color: #14233A; }
@media (max-width: 767px) {
  .refs-calc__totals { grid-template-columns: 1fr 1fr; }
  .refs-calc__tblwrap { display: none; }
  .refs-calc__cards { display: block; }
}

/* 5) MENTORS */
.refs-mentors { background: #fff; }
.refs-mentors__head { max-width: 780px; margin-bottom: 40px; }
.refs-mentor-lead { display: grid; grid-template-columns: 320px 1fr; gap: 40px; align-items: center; padding: 32px; background: linear-gradient(180deg,#14233A 0%,#1E2F4D 100%); color: #fff; border-radius: 6px; margin-bottom: 40px; }
.refs-mentor-lead__photo { }
.refs-portrait-ph { display: flex; align-items: center; justify-content: center; width: 100%; aspect-ratio: 1/1; background: #F4F7FB; border-radius: 6px; color: #14233A; font-family: 'Spartan','Inter',sans-serif; font-weight: 800; font-size: 68px; letter-spacing: .04em; }
.refs-portrait-ph--sm { font-size: 34px; aspect-ratio: 1/1; }
.refs-mentor-role { display: inline-block; color: var(--refs-gold); font-size: 11px; font-weight: 700; letter-spacing: .22em; text-transform: uppercase; margin-bottom: 12px; }
.refs-mentor-lead__copy h3 { font-family: 'Spartan','Inter',sans-serif; font-weight: 800; font-size: 30px; letter-spacing: -.01em; margin: 0 0 12px; color: #fff !important; }
.refs-mentor-lead__copy p { color: rgba(255,255,255,.85); font-size: 15px; line-height: 1.6; margin: 0 0 12px; }
.refs-mentor-tags { color: rgba(255,255,255,.7); font-size: 13px; }
.refs-mentor-card { background: #fff; padding: 18px; border-radius: 6px; box-shadow: 0 4px 24px rgba(20,35,58,.06); text-align: left; height: 100%; }
.refs-mentor-card h4 { margin: 14px 0 4px; font-size: 17px; font-weight: 700; color: #14233A; letter-spacing: -.005em; }
.refs-mentor-spec { color: #5A6B7E; font-size: 13.5px; }
.refs-mentor-row > [class*="col-"] { display: flex; margin-bottom: 20px; }
.refs-mentors__note { margin: 24px 0 0; font-size: 12.5px; color: #7B8899; font-style: italic; }
@media (max-width: 767px) { .refs-mentor-lead { grid-template-columns: 1fr; padding: 24px; } .refs-portrait-ph { max-width: 260px; margin: 0 auto; } }

/* 6) PROOF */
.refs-proof { background: var(--refs-warm-white); }
.refs-proof__stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding: 22px 24px; background: #fff; border-radius: 6px; margin-bottom: 36px; box-shadow: 0 4px 24px rgba(20,35,58,.06); }
.refs-proof__stats > div { position: relative; padding: 0 12px; }
.refs-proof__stats > div + div::before { content: ""; position: absolute; left: 0; top: 8px; bottom: 8px; width: 1px; background: var(--refs-hairline); }
.refs-proof__stats b { display: block; font-family: 'Spartan','Inter',sans-serif; font-weight: 800; font-size: 22px; color: #14233A; letter-spacing: -.01em; }
.refs-proof__stats span { display: block; margin-top: 4px; font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: #7B8899; font-weight: 700; }
.refs-proof__head { max-width: 640px; margin-bottom: 34px; }
.refs-quote { margin: 0; padding: 26px; background: #fff; border-left: 3px solid var(--refs-gold); border-radius: 4px; height: 100%; box-shadow: 0 4px 24px rgba(20,35,58,.06); }
.refs-quote blockquote { font-family: 'Spartan','Inter',sans-serif; font-size: 20px; line-height: 1.5; color: #14233A; margin: 0 0 18px; font-weight: 500; letter-spacing: -.005em; }
.refs-quote figcaption b { display: block; color: #14233A; font-weight: 700; font-size: 14px; }
.refs-quote figcaption span { display: block; font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--refs-gold); font-weight: 700; margin-top: 2px; }
.refs-proof__note { margin: 24px 0 0; font-size: 12.5px; color: #7B8899; font-style: italic; }
@media (max-width: 767px) { .refs-proof__stats { grid-template-columns: 1fr 1fr; } .refs-proof__stats > div + div::before { display: none; } }

/* 7) TRAINING & CONSULTING */
.refs-training { background: #fff; }
.refs-training__head { max-width: 760px; margin-bottom: 36px; }
.refs-training__card { background: var(--refs-warm-white); padding: 30px 28px; border-radius: 6px; border-top: 3px solid var(--refs-gold); height: 100%; }
.refs-training__card h3 { font-size: 22px; font-weight: 700; color: #14233A; margin: 0 0 16px; letter-spacing: -.01em; }
.refs-training__card ul { list-style: none; margin: 0; padding: 0; }
.refs-training__card li { position: relative; padding: 9px 0 9px 22px; font-size: 14.5px; color: #445267; border-top: 1px solid var(--refs-hairline); }
.refs-training__card li:first-child { border-top: 0; }
.refs-training__card li::before { content: ""; position: absolute; top: 15px; left: 0; width: 10px; height: 6px; border-left: 2px solid var(--refs-gold); border-bottom: 2px solid var(--refs-gold); transform: rotate(-45deg); }
.refs-training__cta { margin-top: 30px; }

/* 8) PARTNERS */
.refs-partners { background: var(--refs-warm-white); padding: 60px 0; }
.refs-partners__head { text-align: center; margin-bottom: 26px; max-width: 640px; margin-left: auto; margin-right: auto; }
.refs-partners__head p { color: #7B8899; font-size: 13.5px; margin: 8px 0 0; }
.refs-partners__row { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
.refs-partner-ph { height: 80px; display: flex; align-items: center; justify-content: center; background: #fff; border: 1px dashed var(--refs-hairline); border-radius: 4px; color: #A0AAB8; font-size: 12px; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; }
@media (max-width: 767px) { .refs-partners__row { grid-template-columns: 1fr 1fr; } }

/* 9) FAQ */
.refs-faq { background: #fff; }
.refs-faq-list { }
.refs-faq__item { border-top: 1px solid var(--refs-hairline); }
.refs-faq__item:last-child { border-bottom: 1px solid var(--refs-hairline); }
.refs-faq__q { display: flex; align-items: center; justify-content: space-between; width: 100%; background: transparent; border: 0; padding: 22px 0; text-align: left; font-family: inherit; font-size: 16px; font-weight: 700; color: #14233A; cursor: pointer; letter-spacing: -.005em; }
.refs-faq__q:focus { outline: 2px solid rgba(31,121,168,.35); outline-offset: 3px; }
.refs-faq__ic { display: inline-flex; align-items: center; justify-content: center; width: 32px; height: 32px; border-radius: 50%; background: rgba(20,35,58,.06); color: #14233A; transition: transform .3s ease, background .3s ease, color .3s ease; }
.refs-faq__q[aria-expanded="true"] .refs-faq__ic { background: var(--refs-gold); color: #fff; transform: rotate(45deg); }
.refs-faq__a { height: 0; overflow: hidden; transition: height .3s ease; }
.refs-faq__a-in { padding: 0 0 22px; color: #5A6B7E; font-size: 14.5px; line-height: 1.65; max-width: 720px; }
.refs-faq-note { margin: 22px 0 0; font-size: 12.5px; color: #7B8899; font-style: italic; }
@media (prefers-reduced-motion: reduce) { .refs-faq__a { transition: none; } .refs-faq__ic { transition: none; } }

/* 10) FINAL CTA */
.refs-final-cta { background: linear-gradient(180deg,#14233A 0%,#1E2F4D 100%); color: #fff; padding: 80px 0; }
.refs-final-cta__inner { display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center; }
.refs-final-cta p { color: rgba(255,255,255,.85); font-size: 15px; line-height: 1.65; max-width: 560px; }
.refs-final-cta__actions { display: flex; flex-direction: column; align-items: flex-start; gap: 16px; }
.refs-cta-primary { background: var(--refs-gold) !important; color: #14233A !important; }
.refs-cta-primary:hover { background: #B87A18 !important; color: #fff !important; }
.refs-final-cta__reassure { margin: 6px 0 0; font-size: 12.5px; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.7); font-weight: 700; }
@media (max-width: 767px) { .refs-final-cta__inner { grid-template-columns: 1fr; } }

/* 11) FORM — Premium redesign */
.refs-form-section { background: linear-gradient(180deg, #fff 0%, var(--refs-warm-white) 100%); position: relative; overflow: hidden; }
.refs-form-section::before { content: ""; position: absolute; top: 60px; left: -100px; width: 300px; height: 300px; background: radial-gradient(circle, rgba(217,147,35,.08) 0%, transparent 60%); border-radius: 50%; pointer-events: none; }
.refs-form-side { list-style: none; padding: 0; margin: 28px 0 0; }
.refs-form-side li { position: relative; padding: 10px 0 10px 28px; font-size: 15px; color: #445267; }
.refs-form-side li::before { content: ""; position: absolute; top: 16px; left: 0; width: 12px; height: 7px; border-left: 2.5px solid var(--refs-gold); border-bottom: 2.5px solid var(--refs-gold); transform: rotate(-45deg); }

/* Premium form container */
.refs-form {
  background: #fff;
  padding: 40px 36px;
  border-radius: 12px;
  border: 0;
  box-shadow: 0 20px 60px rgba(20,35,58,.12);
  position: relative;
  overflow: hidden;
}
.refs-form::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--refs-gold) 0%, var(--primary-color-one) 50%, var(--refs-gold) 100%);
}
.refs-form::after {
  content: "";
  position: absolute;
  bottom: -100px;
  right: -100px;
  width: 250px;
  height: 250px;
  background: radial-gradient(circle, rgba(31,121,168,.06) 0%, transparent 60%);
  border-radius: 50%;
  pointer-events: none;
}

/* Form labels */
.refs-form label {
  display: block;
  font-size: 11.5px;
  font-weight: 800;
  color: #14233A;
  letter-spacing: .14em;
  text-transform: uppercase;
  margin-bottom: 8px;
}

/* Form inputs — elevated styling */
.refs-form input, .refs-form select, .refs-form textarea {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid #E8ECF0;
  border-radius: 8px;
  background: #FAFBFC;
  font-family: inherit;
  font-size: 16px;
  color: #14233A;
  transition: border-color .3s ease, background .3s ease, box-shadow .3s ease;
}
.refs-form input:hover, .refs-form select:hover, .refs-form textarea:hover {
  border-color: #D0D6DD;
  background: #fff;
}
.refs-form input:focus, .refs-form select:focus, .refs-form textarea:focus {
  outline: none;
  border-color: var(--primary-color-one);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(31,121,168,.12);
}
.refs-form input::placeholder, .refs-form textarea::placeholder { color: #A0AAB8; }
.refs-form [class*="col-"] { margin-bottom: 20px; }

/* Radio buttons — premium pill style */
.refs-radio-row { display: flex; gap: 12px; flex-wrap: wrap; }
.refs-radio {
  display: inline-flex;
  align-items: center;
  gap: 0;
  font-size: 14px;
  color: #445267;
  cursor: pointer;
  padding: 10px 18px;
  background: #FAFBFC;
  border: 2px solid #E8ECF0;
  border-radius: 30px;
  transition: all .3s ease;
}
.refs-radio input { display: none; }
.refs-radio:hover { border-color: var(--primary-color-one); background: #fff; }
.refs-radio:has(input:checked) {
  background: linear-gradient(180deg, #14233A 0%, #1E2F4D 100%);
  border-color: #14233A;
  color: #fff;
}
.refs-radio:has(input:checked)::before {
  content: "✓";
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  background: var(--refs-gold);
  color: #14233A;
  font-size: 11px;
  font-weight: 700;
  border-radius: 50%;
  margin-right: 10px;
}

/* Checkbox — premium custom styling */
.refs-check {
  display: flex;
  gap: 16px;
  font-size: 14px;
  color: #445267;
  align-items: flex-start;
  padding: 20px 24px;
  background: linear-gradient(180deg, #F7F4EE 0%, #EFE9DC 100%);
  border-radius: 10px;
  border-left: 4px solid var(--refs-gold);
  margin-top: 10px;
  cursor: pointer;
  transition: background .3s ease, box-shadow .3s ease;
}
.refs-check:hover {
  background: linear-gradient(180deg, #F5F1E8 0%, #EBE4D5 100%);
  box-shadow: 0 4px 12px rgba(20,35,58,.06);
}
.refs-check input[type="checkbox"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}
.refs-check__box {
  width: 24px;
  height: 24px;
  min-width: 24px;
  border: 2px solid #C8CDD4;
  border-radius: 6px;
  background: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all .25s ease;
  margin-top: 1px;
}
.refs-check__box svg {
  width: 14px;
  height: 14px;
  stroke: #fff;
  stroke-width: 3;
  opacity: 0;
  transform: scale(0.5);
  transition: all .2s ease;
}
.refs-check:has(input:checked) .refs-check__box {
  background: var(--refs-gold);
  border-color: var(--refs-gold);
  box-shadow: 0 4px 12px rgba(217,147,35,.35);
}
.refs-check:has(input:checked) .refs-check__box svg {
  opacity: 1;
  transform: scale(1);
}
.refs-check__text {
  flex: 1;
  line-height: 1.5;
  font-size: 13px;
  text-transform: uppercase;
  font-weight: 600;
  letter-spacing: .03em;
}

/* Submit button — premium */
.refs-form .theme-btn.one {
  width: 100%;
  padding: 18px 32px;
  font-size: 14px;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  border-radius: 8px;
  background: linear-gradient(180deg, #14233A 0%, #1E2F4D 100%);
  border: 0;
  position: relative;
  overflow: hidden;
  transition: transform .3s ease, box-shadow .3s ease;
}
.refs-form .theme-btn.one::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 100%;
  background: linear-gradient(180deg, rgba(255,255,255,.1) 0%, transparent 50%);
  pointer-events: none;
}
.refs-form .theme-btn.one:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 40px rgba(20,35,58,.25);
}

.refs-honeypot { position: absolute !important; left: -9999px !important; opacity: 0 !important; height: 0 !important; }
.refs-form-privacy { margin: 18px 0 0; font-size: 12.5px; color: #7B8899; text-align: center; }

/* Success state */
.refs-form-success {
  display: none;
  padding: 50px 40px;
  background: linear-gradient(180deg, #14233A 0%, #1E2F4D 100%);
  border-radius: 12px;
  text-align: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.refs-form-success::before {
  content: "✓";
  display: flex;
  align-items: center;
  justify-content: center;
  width: 70px;
  height: 70px;
  background: var(--refs-gold);
  color: #14233A;
  font-size: 32px;
  font-weight: 700;
  border-radius: 50%;
  margin: 0 auto 24px;
  box-shadow: 0 12px 30px rgba(217,147,35,.4);
}
.refs-form-success.show { display: block; }
.refs-form-success h3 {
  font-family: 'Spartan','Inter',sans-serif;
  font-size: 26px;
  color: #fff;
  margin: 0 0 12px;
  font-weight: 800;
}
.refs-form-success p { margin: 0; color: rgba(255,255,255,.85); font-size: 15px; line-height: 1.6; }

/* 12) FOOTER */
.refs-footer { 
  background: linear-gradient(180deg, #14233A 0%, #0D1826 100%); 
  color: rgba(255,255,255,.75); 
  padding: 80px 0 32px; 
  margin-top: 0; 
  position: relative;
}
.refs-footer::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #D99323 0%, #1F79A8 50%, #D99323 100%);
}
.refs-footer h5 { 
  color: #D99323; 
  font-size: 11px; 
  letter-spacing: .2em; 
  text-transform: uppercase; 
  font-weight: 700; 
  margin: 0 0 20px; 
  position: relative;
  padding-bottom: 12px;
}
.refs-footer h5::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 30px;
  height: 2px;
  background: rgba(217,147,35,.4);
}
.refs-footer ul { list-style: none; padding: 0; margin: 0; }
.refs-footer ul li { padding: 8px 0; font-size: 14px; }
.refs-footer a { color: rgba(255,255,255,.72); text-decoration: none; transition: color .25s ease, padding-left .25s ease; }
.refs-footer a:hover { color: #D99323; padding-left: 4px; }
.refs-footer__logo { display: block; margin-bottom: 24px; }
.refs-footer__logo img { 
  display: inline-block; 
  height: 90px; 
  width: auto; 
  filter: brightness(0) invert(1);
  opacity: 0.95;
  transition: opacity .3s ease;
}
.refs-footer__logo:hover img {
  opacity: 1;
}
.refs-footer__about { font-size: 14px; line-height: 1.7; margin: 0 0 16px; max-width: 320px; color: rgba(255,255,255,.65); }
.refs-footer__addr { 
  font-size: 13px; 
  color: rgba(255,255,255,.5); 
  display: flex;
  align-items: center;
  gap: 8px;
}
.refs-footer__addr::before {
  content: "";
  display: inline-block;
  width: 16px;
  height: 16px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23D99323' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M21 10c0 7-9 13-9 13s-9-6-9-13a9 9 0 0 1 18 0z'/%3E%3Ccircle cx='12' cy='10' r='3'/%3E%3C/svg%3E") no-repeat center;
}
.refs-footer__contact li, .refs-footer__social li { color: rgba(255,255,255,.72); }
.refs-footer__social-h { margin-top: 28px; }
.refs-footer__social { display: flex; gap: 12px; margin-top: 12px; }
.refs-footer__social li { padding: 0 !important; }
.refs-footer__social a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,.08);
  border-radius: 50%;
  font-size: 13px;
  transition: background .3s ease, transform .3s ease;
}
.refs-footer__social a:hover {
  background: #D99323;
  color: #14233A;
  transform: translateY(-3px);
  padding-left: 0;
}
.refs-footer__bar { 
  display: flex; 
  flex-wrap: wrap; 
  justify-content: space-between; 
  align-items: center; 
  gap: 16px; 
  margin-top: 50px; 
  padding-top: 24px; 
  border-top: 1px solid rgba(255,255,255,.1); 
  font-size: 13px; 
  color: rgba(255,255,255,.5); 
}
.refs-footer__credit { font-size: 12px; color: rgba(255,255,255,.45); margin: 0; }
.refs-footer__credit a { color: rgba(255,255,255,.6); text-decoration: none; transition: color .2s ease; }
.refs-footer__credit a:hover { color: #D99323; padding-left: 0; }
.refs-footer__legal { display: flex; gap: 24px; }
.refs-footer__legal li { padding: 0; }
.refs-footer__legal a { font-size: 13px; }
@media (max-width: 991px) {
  .refs-footer { padding: 60px 0 24px; }
  .refs-footer__bar { flex-direction: column; text-align: center; gap: 12px; }
  .refs-footer__legal { justify-content: center; }
}

/* ==========================================================================
   PREMIUM PASS — richer visuals, images, scroll reveal, refined form
   ========================================================================== */

/* Scroll reveal (respects reduced-motion) */
.refs-reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.refs-reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .refs-reveal { opacity: 1; transform: none; transition: none; } }

/* Section 1 (Building) — decorative gold marker + editorial hover */
.refs-building { position: relative; overflow: hidden; }
.refs-building::before { content: ""; position: absolute; top: 96px; right: -80px; width: 260px; height: 260px; border: 1px solid rgba(217,147,35,.25); border-radius: 50%; pointer-events: none; }
.refs-building::after { content: ""; position: absolute; top: 200px; right: 40px; width: 100px; height: 100px; background: rgba(217,147,35,.08); border-radius: 4px; pointer-events: none; }
.refs-outcome-list > li { position: relative; transition: padding-left .3s ease, background .3s ease; padding-left: 4px; }
.refs-outcome-list > li:hover { padding-left: 12px; background: linear-gradient(90deg, rgba(217,147,35,.05), rgba(255,255,255,0)); }
.refs-outcome-list > li:hover .refs-outcome-num { color: var(--refs-gold); transform: translateX(-4px); }
.refs-outcome-num { transition: transform .3s ease, color .3s ease; }

/* Section 2 (Compare) — icons on each side + subtle hover */
.refs-compare__list li { transition: padding-left .25s ease, color .25s ease; }
.refs-compare__list li:hover { color: #14233A; padding-left: 28px; }
.refs-compare__col--left .refs-compare__list li::before { background: #B5C0CE; }
.refs-compare__col--left .refs-compare__list li::before,
.refs-compare__col--right .refs-compare__list li::before { transition: background .25s ease; }
.refs-compare__col--left .refs-compare__list li:hover::before { background: #14233A; }

/* Section 3 (Support) — Enhanced visual hierarchy + larger image */
.refs-support__lead { position: relative; overflow: hidden; }
.refs-support__lead::before { content: ""; position: absolute; right: -60px; bottom: -60px; width: 200px; height: 200px; background: radial-gradient(circle, rgba(217,147,35,.15) 0%, transparent 70%); border-radius: 50%; }
.refs-support__image { position: relative; }
.refs-support__image::after { content: ""; position: absolute; left: -20px; bottom: -20px; width: 100px; height: 100px; background: var(--refs-gold); border-radius: 4px; z-index: -1; opacity: .18; }
.refs-inclusion-list > li { position: relative; padding-left: 36px !important; transition: background .25s ease, padding-left .3s ease; }
.refs-inclusion-list > li::before { content: ""; position: absolute; top: 24px; left: 0; width: 24px; height: 24px; border-radius: 50%; background: rgba(31,121,168,.10); display: flex; align-items: center; justify-content: center; transition: background .3s ease, transform .3s ease; }
.refs-inclusion-list > li::after { content: ""; position: absolute; top: 30px; left: 7px; width: 8px; height: 5px; border-left: 1.75px solid #1F79A8; border-bottom: 1.75px solid #1F79A8; transform: rotate(-45deg); transition: border-color .3s ease; }
.refs-inclusion-list > li:hover { padding-left: 44px !important; }
.refs-inclusion-list > li:hover::before { background: var(--refs-gold); transform: scale(1.05); }
.refs-inclusion-list > li:hover::after { border-color: #fff; }

/* Section 4 (Calc) — richer panel + subtle background */
.refs-calc { position: relative; overflow: hidden; }
.refs-calc::before { content: ""; position: absolute; top: 60px; left: -100px; width: 300px; height: 300px; background: radial-gradient(circle, rgba(31,121,168,.06) 0%, transparent 70%); border-radius: 50%; pointer-events: none; }
.refs-calc__panel { position: relative; overflow: hidden; }
.refs-calc__panel::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--refs-gold), var(--refs-gold) 30%, transparent 30%); }
.refs-calc__results { position: relative; }
.refs-calc__results::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: linear-gradient(90deg, var(--primary-color-one), var(--primary-color-one) 30%, transparent 30%); }

/* Section 5 (MENTORS) — premium with photos */
.refs-mentors { background: #fff; position: relative; overflow: hidden; }
.refs-mentors::before { content: ""; position: absolute; top: 100px; right: -100px; width: 350px; height: 350px; border: 1px solid rgba(217,147,35,.15); border-radius: 50%; pointer-events: none; }
.refs-mentor-lead { position: relative; overflow: hidden; padding: 40px; }
.refs-mentor-lead::before { content: ""; position: absolute; right: -80px; bottom: -80px; width: 320px; height: 320px; background: radial-gradient(circle, rgba(217,147,35,.15) 0%, transparent 65%); border-radius: 50%; pointer-events: none; }
.refs-mentor-lead__photo { position: relative; }
.refs-mentor-lead__photo img { width: 100%; aspect-ratio: 4/5; object-fit: cover; border-radius: 6px; display: block; box-shadow: 0 20px 40px rgba(0,0,0,.3); }
.refs-mentor-lead__badge { position: absolute; top: 16px; left: 16px; background: var(--refs-gold); color: #14233A; padding: 6px 14px; border-radius: 3px; font-size: 10.5px; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; }
.refs-mentor-lead__bio { color: rgba(255,255,255,.85); font-size: 15px; line-height: 1.65; margin: 0 0 20px; }
.refs-mentor-lead__specs { list-style: none; margin: 0 0 24px; padding: 0; display: grid; grid-template-columns: 1fr; gap: 8px; }
.refs-mentor-lead__specs li { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,.9); font-size: 14px; }
.refs-mentor-lead__specs svg { color: var(--refs-gold); flex: 0 0 auto; }
.refs-mentor-lead__meta { display: flex; gap: 20px; flex-wrap: wrap; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.15); }
.refs-mentor-lead__meta span { color: rgba(255,255,255,.7); font-size: 11.5px; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; }
/* Secondary mentor cards — photo top, body below */
.refs-mentor-card { padding: 0 !important; overflow: hidden; transition: transform .35s ease, box-shadow .35s ease; }
.refs-mentor-card:hover { transform: translateY(-6px); box-shadow: 0 20px 40px rgba(20,35,58,.14); }
.refs-mentor-card__photo { position: relative; overflow: hidden; }
.refs-mentor-card__photo img { width: 100%; aspect-ratio: 1/1; object-fit: cover; display: block; transition: transform .7s ease; }
.refs-mentor-card__photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 60%, rgba(20,35,58,.4) 100%); pointer-events: none; }
.refs-mentor-card:hover .refs-mentor-card__photo img { transform: scale(1.06); }
.refs-mentor-card__body { padding: 18px 20px 22px; }
.refs-mentor-card__role { display: inline-block; color: var(--refs-gold); font-size: 10.5px; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; margin-bottom: 6px; }
.refs-mentor-card__body h4 { margin: 0 0 4px; font-size: 18px; font-weight: 700; color: #14233A; }
.refs-mentor-card__body .refs-mentor-spec { color: #5A6B7E; font-size: 13.5px; }
@media (max-width: 991px) { .refs-mentor-lead__photo img { aspect-ratio: 4/3; } }

/* Section 6 (Testimonials/Proof) — stars + avatar */
.refs-quote { position: relative; overflow: hidden; transition: transform .35s ease, box-shadow .35s ease; }
.refs-quote:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(20,35,58,.12); }
.refs-quote::before { content: "\201C"; position: absolute; top: -20px; right: 24px; font-family: Georgia,serif; font-size: 120px; color: rgba(217,147,35,.15); font-weight: 700; line-height: 1; }
.refs-quote__stars { display: flex; gap: 3px; color: var(--refs-gold); margin-bottom: 14px; }
.refs-quote figcaption { display: flex; align-items: center; gap: 14px; margin-top: 20px; padding-top: 18px; border-top: 1px solid var(--refs-hairline); }
.refs-quote__avatar { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; flex: 0 0 44px; box-shadow: 0 4px 12px rgba(20,35,58,.15); }

/* Section 7 (Training) — icon medallions */
.refs-training__card { position: relative; overflow: hidden; transition: transform .35s ease, box-shadow .35s ease; }
.refs-training__card:hover { transform: translateY(-4px); box-shadow: 0 20px 40px rgba(20,35,58,.10); }
.refs-training__card::before { content: ""; position: absolute; right: -30px; top: -30px; width: 120px; height: 120px; background: radial-gradient(circle, rgba(217,147,35,.10) 0%, transparent 70%); border-radius: 50%; }
.refs-training__card h3 { position: relative; padding-left: 60px; padding-top: 4px; }
.refs-training__card h3::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary-color-two);
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' width='22' height='22' fill='none' stroke='%23D99323' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'><path d='M4 6h16M4 12h16M4 18h10'/></svg>");
  background-repeat: no-repeat;
  background-position: center;
}
.refs-training__card:nth-child(2) h3::before,
[data-consulting] h3::before { background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' width='22' height='22' fill='none' stroke='%23D99323' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'><circle cx='12' cy='7' r='3'/><path d='M6 20c0-3 3-5 6-5s6 2 6 5'/></svg>"); }

/* Section 8 (Partners) — refined */
.refs-partner-ph { transition: border-color .3s ease, background .3s ease; }
.refs-partner-ph:hover { border-color: var(--refs-gold); background: rgba(217,147,35,.03); }

/* Section 10 (Final CTA) — richer background */
.refs-final-cta { position: relative; overflow: hidden; }
.refs-final-cta::before { content: ""; position: absolute; top: -100px; right: -100px; width: 400px; height: 400px; background: radial-gradient(circle, rgba(217,147,35,.15) 0%, transparent 65%); border-radius: 50%; pointer-events: none; }
.refs-final-cta::after { content: ""; position: absolute; bottom: -80px; left: 10%; width: 240px; height: 240px; border: 1px solid rgba(217,147,35,.25); border-radius: 50%; pointer-events: none; }

/* Section 11 (FORM) — premium two-column with visual side */
.refs-form-section { background: #fff; position: relative; overflow: hidden; }
.refs-form-section::before { content: ""; position: absolute; top: 100px; left: -60px; width: 200px; height: 200px; background: rgba(217,147,35,.06); border-radius: 4px; pointer-events: none; }
.refs-form-section .col-lg-5 { position: relative; }
.refs-form-side { margin-top: 24px !important; padding: 20px; background: linear-gradient(180deg,#14233A 0%,#1E2F4D 100%); border-radius: 6px; color: #fff !important; }
.refs-form-side li { color: rgba(255,255,255,.85) !important; padding-left: 26px !important; border-top: 1px solid rgba(255,255,255,.1); padding-top: 12px; padding-bottom: 12px; }
.refs-form-side li:first-child { border-top: 0; }
.refs-form-side li::before { border-color: var(--refs-gold) !important; top: 18px !important; }
.refs-form { padding: 36px 34px !important; box-shadow: 0 4px 24px rgba(20,35,58,.06); }
.refs-form label { font-size: 12.5px !important; text-transform: uppercase; letter-spacing: .12em; color: #14233A; }
.refs-form input:focus, .refs-form select:focus, .refs-form textarea:focus { box-shadow: 0 0 0 4px rgba(31,121,168,.10); }
.theme-btn.one { transition: transform .25s ease, box-shadow .25s ease; }
.theme-btn.one:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(20,35,58,.20); }

/* Section 12 (FOOTER) — premium styling now in main footer block above */

/* ==========================================================================
   PREMIUM PASS 2 — richer visuals per user feedback
   ========================================================================== */

/* Section 1 — editorial image + floating stat badge */
.refs-building { padding: 100px 0; }
.refs-building__media { position: relative; padding-right: 30px; }
.refs-building__media img { width: 100%; aspect-ratio: 5/6; object-fit: cover; border-radius: 6px; box-shadow: 0 30px 60px rgba(20,35,58,.18); display: block; }
.refs-building__media::before { content: ""; position: absolute; top: 30px; left: -20px; width: 120px; height: 120px; background: var(--refs-gold); border-radius: 6px; z-index: -1; opacity: .18; }
.refs-building__badge {
  position: absolute;
  right: -10px;
  bottom: 40px;
  background: #14233A;
  color: #fff;
  padding: 20px 24px;
  border-radius: 6px;
  box-shadow: 0 20px 40px rgba(20,35,58,.24);
  min-width: 160px;
}
.refs-building__badge b { display: block; font-family: 'Spartan','Inter',sans-serif; font-size: 34px; color: var(--refs-gold); font-weight: 800; letter-spacing: -.01em; line-height: 1; }
.refs-building__badge span { display: block; margin-top: 8px; font-size: 11px; color: rgba(255,255,255,.8); letter-spacing: .12em; text-transform: uppercase; font-weight: 700; }
.refs-building__copy { display: flex; flex-direction: column; justify-content: center; height: 100%; }
@media (max-width: 991px) {
  .refs-building__media { padding-right: 0; margin-bottom: 30px; max-width: 400px; }
  .refs-building__badge { right: 20px; bottom: 20px; }
}

/* Section 2 — dual images floating on the right */
.refs-why__head { display: grid; grid-template-columns: 1.1fr 1fr; gap: 40px; align-items: center; margin-bottom: 44px; }
.refs-why__head-media { position: relative; height: 340px; }
.refs-why__img { position: absolute; border-radius: 6px; overflow: hidden; box-shadow: 0 20px 40px rgba(20,35,58,.18); }
.refs-why__img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.refs-why__img--a { width: 60%; height: 70%; top: 0; left: 0; }
.refs-why__img--b { width: 55%; height: 65%; bottom: 0; right: 0; border: 6px solid #fff; }
.refs-why__head-media::before { content: ""; position: absolute; right: -20px; top: -14px; width: 90px; height: 90px; background: rgba(217,147,35,.18); border-radius: 4px; z-index: -1; }
.refs-why__head-media::after { content: ""; position: absolute; left: -20px; bottom: -14px; width: 90px; height: 90px; border: 1px solid rgba(31,121,168,.4); border-radius: 4px; z-index: -1; }
@media (max-width: 991px) {
  .refs-why__head { grid-template-columns: 1fr; }
  .refs-why__head-media { height: 280px; margin-top: 20px; }
}

/* Section 6 — stats: prominent gold star inline */
.refs-proof__star { color: var(--refs-gold); margin-left: 6px; font-size: 22px; vertical-align: -1px; }
.refs-proof__stats > div b { font-size: 26px; }

/* Section 7 — training/consulting cards with images */
.refs-training__card { padding: 0 !important; overflow: hidden; display: flex; flex-direction: column; }
.refs-training__card-media { position: relative; overflow: hidden; height: 200px; }
.refs-training__card-media img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .7s ease; }
.refs-training__card-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 40%, rgba(20,35,58,.55) 100%); }
.refs-training__card:hover .refs-training__card-media img { transform: scale(1.06); }
.refs-training__card-body { padding: 26px 26px 28px; }
.refs-training__card h3 { padding-left: 0 !important; padding-top: 0 !important; }
.refs-training__card h3::before { display: none !important; }

/* Section 8 — partners: real-looking wordmark tiles */
.refs-partner-ph {
  height: 90px;
  padding: 12px;
  border: 1px solid var(--refs-hairline);
  background: #fff;
  border-radius: 6px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  transition: transform .3s ease, border-color .3s ease, box-shadow .3s ease;
  cursor: pointer;
}
.refs-partner-ph b { display: block; font-family: 'Spartan','Inter',sans-serif; font-size: 16px; color: #14233A; font-weight: 800; letter-spacing: -.01em; line-height: 1; margin-bottom: 4px; }
.refs-partner-ph span { display: block; font-size: 10px; color: #7B8899; letter-spacing: .16em; text-transform: uppercase; font-weight: 700; }
.refs-partner-ph:hover { transform: translateY(-3px); border-color: var(--refs-gold); box-shadow: 0 10px 24px rgba(20,35,58,.08); }
.refs-partner-ph:hover b { color: var(--refs-gold); }

/* Section 9 — FAQ side card */
.refs-faq-side { margin-top: 30px; padding: 28px 24px; background: linear-gradient(180deg,#14233A 0%,#1E2F4D 100%); color: #fff; border-radius: 6px; position: relative; overflow: hidden; }
.refs-faq-side::before { content: ""; position: absolute; right: -30px; bottom: -30px; width: 140px; height: 140px; background: radial-gradient(circle, rgba(217,147,35,.18) 0%, transparent 65%); border-radius: 50%; }
.refs-faq-side__icon { display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px; border-radius: 50%; background: rgba(217,147,35,.15); color: var(--refs-gold); margin-bottom: 16px; }
.refs-faq-side h4 { margin: 0 0 8px; font-family: 'Spartan','Inter',sans-serif; font-size: 20px; font-weight: 700; color: #fff !important; letter-spacing: -.01em; }
.refs-faq-side p { margin: 0 0 14px; color: rgba(255,255,255,.85); font-size: 14px; line-height: 1.55; }
.refs-faq-side .refs-inline-arrow { color: var(--refs-gold); }
.refs-faq-side .refs-inline-arrow svg { color: var(--refs-gold); }

/* FAQ items — richer look */
.refs-faq__item { transition: background .25s ease; padding: 0 20px; border-radius: 6px; border-top: 1px solid var(--refs-hairline); }
.refs-faq__item:hover { background: var(--refs-warm-white); }
.refs-faq__q { padding: 22px 0; }
.refs-faq__item:last-child { border-bottom: 1px solid var(--refs-hairline); }

/* Section 11 — form left column mini-quote + badges — premium enhancement */
.refs-form-quote {
  margin: 30px 0 24px;
  padding: 28px 24px;
  background: linear-gradient(180deg, #fff 0%, #FAFBFC 100%);
  border-radius: 12px;
  border: 0;
  box-shadow: 0 12px 40px rgba(20,35,58,.10);
  position: relative;
  overflow: hidden;
}
.refs-form-quote::before {
  content: "\201C";
  position: absolute;
  top: -20px;
  right: 20px;
  font-family: Georgia,serif;
  font-size: 100px;
  color: rgba(217,147,35,.12);
  line-height: 1;
  font-weight: 700;
}
.refs-form-quote::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: linear-gradient(180deg, var(--refs-gold) 0%, var(--refs-gold-dark) 100%);
  border-radius: 4px 0 0 4px;
}
.refs-form-quote .refs-quote__stars { display: inline-block; color: var(--refs-gold); font-size: 18px; letter-spacing: 5px; margin-bottom: 14px; }
.refs-form-quote blockquote {
  font-family: 'Spartan','Inter',sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: #14233A;
  margin: 0 0 16px;
  letter-spacing: -.005em;
  font-weight: 500;
}
.refs-form-quote figcaption { display: flex; align-items: center; gap: 14px; padding-top: 16px; border-top: 1px solid var(--refs-hairline); }
.refs-form-quote figcaption img {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
  box-shadow: 0 4px 12px rgba(20,35,58,.15);
  border: 2px solid #fff;
}
.refs-form-quote figcaption b { display: block; font-size: 14px; color: #14233A; font-weight: 700; }
.refs-form-quote figcaption span { display: block; font-size: 11px; letter-spacing: .14em; text-transform: uppercase; color: var(--refs-gold); font-weight: 800; margin-top: 3px; }

/* Trust badges — premium card style */
.refs-form-badges {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 20px;
  padding: 20px;
  background: linear-gradient(180deg,#14233A 0%,#1E2F4D 100%);
  border-radius: 12px;
  position: relative;
  overflow: hidden;
}
.refs-form-badges::before {
  content: "";
  position: absolute;
  top: -40px;
  right: -40px;
  width: 120px;
  height: 120px;
  background: radial-gradient(circle, rgba(217,147,35,.2) 0%, transparent 60%);
  border-radius: 50%;
}
.refs-form-badges > div {
  text-align: center;
  position: relative;
  padding: 14px 10px;
  background: rgba(255,255,255,.04);
  border-radius: 8px;
  transition: background .3s ease, transform .3s ease;
}
.refs-form-badges > div:hover {
  background: rgba(255,255,255,.08);
  transform: translateY(-2px);
}
.refs-form-badges b {
  display: block;
  font-family: 'Spartan','Inter',sans-serif;
  color: var(--refs-gold);
  font-size: 26px;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -.01em;
}
.refs-form-badges b span { color: #fff; font-size: 16px; margin-left: 4px; }
.refs-form-badges > div > span {
  display: block;
  font-size: 10px;
  color: rgba(255,255,255,.75);
  letter-spacing: .14em;
  text-transform: uppercase;
  font-weight: 700;
  margin-top: 6px;
}

/* ==========================================================================
   PASS 3 — testimonial Owl swiper, calc polish, final-CTA card
   ========================================================================== */

/* Owl testimonial carousel */
.refs-testi-owl { position: relative; }
.refs-testi-owl .item { padding: 4px; }
.refs-testi-owl .owl-stage { display: flex; }
.refs-testi-owl .owl-item { display: flex; }
.refs-testi-owl .owl-item .item { width: 100%; display: flex; }
.refs-testi-owl .owl-item figure.refs-quote { width: 100%; display: flex; flex-direction: column; height: 100%; }
.refs-testi-owl .owl-nav { display: flex; gap: 10px; justify-content: flex-end; margin-top: 8px; }
.refs-testi-owl .owl-nav button.owl-prev,
.refs-testi-owl .owl-nav button.owl-next {
  width: 44px; height: 44px; border-radius: 50%;
  background: #fff !important;
  border: 1px solid var(--refs-hairline) !important;
  color: #14233A !important;
  display: inline-flex !important;
  align-items: center; justify-content: center;
  font-size: 20px; line-height: 1; font-weight: 700;
  transition: background .25s ease, color .25s ease, border-color .25s ease;
}
.refs-testi-owl .owl-nav button:hover { background: var(--refs-gold) !important; color: #fff !important; border-color: var(--refs-gold) !important; }
.refs-testi-owl .owl-nav button span { display: block; }
.refs-testi-owl .owl-dots { display: flex; gap: 6px; justify-content: center; margin-top: 22px; }
.refs-testi-owl .owl-dot { width: 8px; height: 8px; border-radius: 50%; background: rgba(20,35,58,.18); border: 0; padding: 0; transition: background .25s ease, transform .25s ease; }
.refs-testi-owl .owl-dot.active { background: var(--refs-gold); transform: scale(1.4); }

/* Calculator polish */
.refs-calc__panel { padding: 34px 28px !important; }
.refs-calc__panel-eyebrow { display: inline-flex; align-items: center; gap: 8px; margin: 0 0 18px; color: var(--refs-gold); font-size: 11px; letter-spacing: .22em; text-transform: uppercase; font-weight: 800; }
.refs-field--icon label { display: flex !important; align-items: center; gap: 8px; font-size: 12.5px !important; text-transform: uppercase; letter-spacing: .1em; color: #14233A; }
.refs-field--icon label svg { color: var(--refs-gold); }
.refs-input-wrap { position: relative; }
.refs-input-wrap input { padding-left: 44px !important; padding-right: 90px !important; font-size: 20px !important; font-weight: 700; font-family: 'Spartan','Inter',sans-serif; height: 56px; }
.refs-input-prefix, .refs-input-suffix { position: absolute; top: 50%; transform: translateY(-50%); color: #14233A; font-weight: 700; pointer-events: none; }
.refs-input-prefix { left: 14px; font-size: 15px; padding-right: 12px; border-right: 1px solid var(--refs-hairline); height: 34px; display: flex; align-items: center; }
.refs-input-suffix { right: 14px; font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: #7B8899; font-weight: 700; }
.refs-field--icon:has(.refs-input-suffix) .refs-input-wrap input { padding-left: 20px !important; }

.refs-calc__assumptions { background: linear-gradient(180deg,#F7F4EE 0%,#F0EAD8 100%); padding: 20px !important; border-radius: 6px; border-top: 3px solid var(--refs-gold); }
.refs-calc__assumptions h4 { color: #14233A !important; }
.refs-calc__assumptions dd { color: var(--refs-gold) !important; }

.refs-calc__results { padding: 34px 30px !important; }
.refs-calc__totals { grid-template-columns: repeat(3, 1fr) !important; gap: 16px !important; }
.refs-calc__totals > div { background: var(--refs-warm-white); padding: 16px 14px; border-radius: 6px; border-top: 2px solid var(--refs-gold); transition: transform .3s ease, box-shadow .3s ease; }
.refs-calc__totals > div:hover { transform: translateY(-3px); box-shadow: 0 10px 24px rgba(20,35,58,.08); }
.refs-calc__totals > div:nth-child(3) { background: linear-gradient(180deg,#14233A 0%,#1E2F4D 100%); border-top-color: var(--refs-gold); }
.refs-calc__totals > div:nth-child(3) span { color: rgba(255,255,255,.7); }
.refs-calc__totals > div:nth-child(3) b { color: var(--refs-gold); }
.refs-calc__totals b { font-size: 22px !important; }

.refs-calc__tbl th { background: var(--refs-warm-white); }
.refs-calc__tbl tbody tr:hover td { background: rgba(217,147,35,.05); }

/* Final CTA card */
.refs-final-cta { padding: 100px 0; }
.refs-final-cta__bg { position: absolute; inset: 0; background-image: radial-gradient(circle at 20% 30%, rgba(217,147,35,.15), transparent 40%), radial-gradient(circle at 80% 70%, rgba(31,121,168,.15), transparent 40%); pointer-events: none; }
.refs-final-cta__bg::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px); background-size: 32px 32px; opacity: .5; }
.refs-final-cta__inner { grid-template-columns: 1.1fr .9fr !important; }
.refs-final-cta__copy p { color: rgba(255,255,255,.85); font-size: 16px; line-height: 1.65; max-width: 500px; margin: 0 0 24px; }
.refs-final-cta__benefits { list-style: none; margin: 0; padding: 0; }
.refs-final-cta__benefits li { display: flex; align-items: center; gap: 12px; color: rgba(255,255,255,.9); font-size: 15px; padding: 8px 0; }
.refs-final-cta__benefits li svg { color: var(--refs-gold); flex: 0 0 auto; }
.refs-final-cta__card {
  position: relative;
  background: linear-gradient(180deg, rgba(255,255,255,.06) 0%, rgba(255,255,255,.02) 100%);
  border: 1px solid rgba(255,255,255,.12);
  backdrop-filter: blur(12px);
  padding: 34px 30px;
  border-radius: 8px;
  color: #fff;
}
.refs-final-cta__card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--refs-gold) 0%, transparent 60%); border-radius: 8px 8px 0 0; }
.refs-final-cta__card-head { display: flex; align-items: center; gap: 10px; color: var(--refs-gold); font-size: 11px; font-weight: 800; letter-spacing: .22em; text-transform: uppercase; margin-bottom: 14px; }
.refs-final-cta__pulse { display: inline-block; width: 8px; height: 8px; border-radius: 50%; background: var(--refs-gold); position: relative; }
.refs-final-cta__pulse::before { content: ""; position: absolute; inset: -4px; border-radius: 50%; background: rgba(217,147,35,.35); animation: refsPulse 2s infinite; }
@keyframes refsPulse { 0% { transform: scale(1); opacity: .6; } 100% { transform: scale(2.4); opacity: 0; } }
@media (prefers-reduced-motion: reduce) { .refs-final-cta__pulse::before { animation: none; } }
.refs-final-cta__card h3 { font-family: 'Spartan','Inter',sans-serif; font-size: 26px; font-weight: 800; letter-spacing: -.01em; margin: 0 0 10px; color: #fff !important; }
.refs-final-cta__card p { color: rgba(255,255,255,.75); font-size: 14.5px; line-height: 1.55; margin: 0 0 22px; }
.refs-final-cta__card .theme-btn.one { width: 100%; text-align: center; }
.refs-final-cta__card .refs-inline-arrow { margin-top: 12px; }
.refs-final-cta__proof { display: flex; align-items: center; gap: 10px; margin-top: 22px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.14); }
.refs-final-cta__stars { color: var(--refs-gold); }
.refs-final-cta__proof > span { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.7); font-weight: 700; }
@media (max-width: 767px) {
  .refs-final-cta__inner { grid-template-columns: 1fr !important; }
  .refs-final-cta__card { margin-top: 20px; }
  .refs-calc__totals { grid-template-columns: 1fr !important; }
}


/* ==========================================================================
   GO-TO-TOP FLOATING BUTTON — Premium floating action
   ========================================================================== */
.prgoress_indicator {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 52px;
  height: 52px;
  z-index: 9999;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: opacity .4s ease, visibility .4s ease, transform .4s ease;
}
.prgoress_indicator.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.prgoress_indicator::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, #14233A 0%, #1E2F4D 100%);
  border-radius: 50%;
  box-shadow: 0 8px 28px rgba(20,35,58,.35);
  transition: transform .3s ease, box-shadow .3s ease;
}
.prgoress_indicator:hover::before {
  transform: scale(1.08);
  box-shadow: 0 14px 36px rgba(20,35,58,.45);
}
.prgoress_indicator::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 12px;
  height: 12px;
  border-left: 2.5px solid var(--refs-gold);
  border-top: 2.5px solid var(--refs-gold);
  transform: translate(-50%, -35%) rotate(45deg);
  transition: border-color .3s ease;
}
.prgoress_indicator:hover::after {
  border-color: #fff;
}
.prgoress_indicator .progress-circle {
  position: absolute;
  inset: -3px;
  transform: rotate(-90deg);
}
.prgoress_indicator .progress-circle path {
  fill: none;
  stroke: var(--refs-gold);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-dasharray: 307.919;
  stroke-dashoffset: 307.919;
  transition: stroke-dashoffset .08s linear;
}
@media (max-width: 767px) {
  .prgoress_indicator { bottom: 20px; right: 20px; width: 46px; height: 46px; }
}


/* =====================================================
   FLOATING CONTACT BUTTON (Homepage)
   ===================================================== */
.refs-float-contact {
  position: fixed;
  bottom: 100px;
  right: 30px;
  z-index: 999;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 22px;
  background: linear-gradient(135deg, #D99323 0%, #c4842a 100%);
  color: #14233A;
  font-weight: 600;
  font-size: 14px;
  border-radius: 50px;
  text-decoration: none;
  box-shadow: 0 6px 24px rgba(217,147,35,.4), 0 2px 8px rgba(0,0,0,.15);
  transition: transform 0.3s ease, box-shadow 0.3s ease, opacity 0.3s ease;
  opacity: 0;
  transform: translateY(20px) scale(0.9);
  pointer-events: none;
}
.refs-float-contact.is-visible {
  opacity: 1;
  transform: translateY(0) scale(1);
  pointer-events: auto;
}
.refs-float-contact:hover {
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 10px 32px rgba(217,147,35,.5), 0 4px 12px rgba(0,0,0,.2);
  color: #14233A;
  text-decoration: none;
}
.refs-float-contact:active {
  transform: translateY(0) scale(0.98);
}
.refs-float-contact svg {
  flex-shrink: 0;
}
.refs-float-contact span {
  white-space: nowrap;
}
body.is-contact-page .refs-float-contact {
  display: none;
}
@media (max-width: 767px) {
  .refs-float-contact {
    bottom: 85px;
    right: 20px;
    padding: 14px;
    border-radius: 50%;
  }
  .refs-float-contact span {
    display: none;
  }
}


/* ==========================================================================
   MOBILE BUTTON FIX — All buttons properly centered
   ========================================================================== */

/* Reset vendor line-height trick and use proper flexbox centering */
@media (max-width: 991px) {
  /* CRITICAL: Override vendor line-height centering with flexbox */
  .theme-btn,
  .theme-btn.one,
  .theme-btn.two,
  button.theme-btn,
  a.theme-btn,
  .theme_btn_all a.theme-btn,
  .thm_btn a.theme-btn {
    display: flex !important;
    flex-direction: row !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    line-height: 1.4 !important;
    height: auto !important;
    min-height: 54px !important;
    padding: 16px 24px !important;
    box-sizing: border-box !important;
    width: 100% !important;
    max-width: 100% !important;
  }
  
  /* Hero section buttons */
  .refs-hero-scope .thm_btn a.theme-btn,
  .refs-hero-scope .thm_btn a.theme-btn.two,
  .refs-hero-scope .thm_btn a.theme-btn.refs-hero-secondary {
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    line-height: 1.4 !important;
    height: auto !important;
    min-height: 54px !important;
    padding: 16px 24px !important;
    width: 100% !important;
  }
  
  /* Form submit buttons - higher specificity */
  form button.theme-btn,
  form button.theme-btn.one,
  .refs-form button.theme-btn,
  button[type="submit"].theme-btn,
  button[type="submit"].theme-btn.one {
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    line-height: 1.4 !important;
    height: auto !important;
    min-height: 54px !important;
    padding: 16px 24px !important;
    width: 100% !important;
  }
  
  /* CTA section buttons - all variants */
  .refs-cta-section a.theme-btn,
  .refs-cta-dark a.theme-btn,
  .refs-final-cta a.theme-btn,
  .refs-pathway-cta a.theme-btn,
  .refs-inner-cta a.theme-btn,
  .refs-cta-premium a.theme-btn,
  .refs-cta-premium__buttons a.theme-btn,
  section a.theme-btn.one,
  section a.theme-btn.two {
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    line-height: 1.4 !important;
    height: auto !important;
    min-height: 54px !important;
    padding: 16px 24px !important;
    width: 100% !important;
    max-width: 320px !important;
    margin-left: auto !important;
    margin-right: auto !important;
  }
  
  /* Header CTA button */
  .header_right_content a.theme-btn {
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    line-height: 1.4 !important;
    min-height: 48px !important;
    padding: 12px 20px !important;
    font-size: 13px !important;
  }
  
  /* Contact form specific */
  .refs-contact-form button.theme-btn,
  .refs-contact-form button.theme-btn.one {
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    text-align: center !important;
    line-height: 1.4 !important;
    height: auto !important;
    min-height: 54px !important;
    padding: 16px 24px !important;
    width: 100% !important;
  }
}

/* Extra small screens */
@media (max-width: 575px) {
  .theme-btn,
  .theme-btn.one,
  .theme-btn.two,
  a.theme-btn,
  button.theme-btn {
    font-size: 13px !important;
    padding: 14px 16px !important;
    min-height: 50px !important;
    line-height: 1.4 !important;
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
  }
}

/* ==========================================================================
   MOBILE MENU FIX
   ========================================================================== */

/* Mobile menu styles */
.crt_mobile_menu {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: 9999;
  visibility: hidden;
  opacity: 0;
  transition: all 0.3s ease;
}

body.crt_mobile_menu-visible .crt_mobile_menu {
  visibility: visible;
  opacity: 1;
}

.crt_mobile_menu .menu-backdrop {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(20, 35, 58, 0.8);
  z-index: -1;
}

.crt_mobile_menu .menu-box {
  position: fixed;
  top: 0;
  right: -320px;
  width: 300px;
  max-width: 85%;
  height: 100%;
  background: #fff;
  overflow-y: auto;
  transition: all 0.4s ease;
  z-index: 10;
  padding: 30px 25px;
}

body.crt_mobile_menu-visible .crt_mobile_menu .menu-box {
  right: 0;
}

.crt_mobile_menu .close-btn {
  position: absolute;
  top: 15px;
  right: 20px;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  color: #14233A;
  cursor: pointer;
  transition: all 0.3s ease;
}

.crt_mobile_menu .close-btn:hover {
  color: #1F79A8;
}

.crt_mobile_menu .nav-logo {
  padding: 15px 0 25px;
  border-bottom: 1px solid #E3E7EB;
  margin-bottom: 20px;
}

.crt_mobile_menu .nav-logo img {
  max-height: 50px;
  width: auto;
}

.crt_mobile_menu .menu-outer {
  padding: 0;
}

.crt_mobile_menu .navbar_nav {
  list-style: none;
  padding: 0;
  margin: 0;
}

.crt_mobile_menu .navbar_nav li {
  border-bottom: 1px solid #E3E7EB;
}

.crt_mobile_menu .navbar_nav li a {
  display: block;
  padding: 15px 0;
  font-size: 15px;
  font-weight: 600;
  color: #14233A;
  text-decoration: none;
  transition: all 0.3s ease;
}

.crt_mobile_menu .navbar_nav li a:hover {
  color: #1F79A8;
}

.crt_mobile_menu .navbar_nav li a span {
  display: inline;
}

/* Hamburger menu button visibility */
@media (max-width: 991px) {
  .navbar_togglers.hamburger_menu {
    display: flex !important;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    width: 40px;
    height: 40px;
    cursor: pointer;
    z-index: 100;
  }
  
  .navbar_togglers.hamburger_menu .line {
    display: block;
    width: 24px;
    height: 2px;
    background: #14233A;
    margin: 3px 0;
    transition: all 0.3s ease;
  }
  
  .header_content_collapse {
    display: none !important;
  }
  
  .header_right_content {
    display: none !important;
  }
}

@media (min-width: 992px) {
  .navbar_togglers.hamburger_menu {
    display: none !important;
  }
  
  .crt_mobile_menu {
    display: none !important;
  }
}