/* 
Use clear CTAs such as “Speak to a Specialist”
Strong use of white space
Black, white, and greys (premium, minimal, high-trust) 
Sticky header with one-click call, WhatsApp, email 
Clear “Speak to an Expert” CTAs throughout 
Primary color:#0F0F0F or #1A1A1A
white or off white background
gold: # D4A017 
deep gold: # C59108
background: light key: F2F2F2 , •	Hex: #777777 
•	Hex: #777777



2
\                                                             
*/


body {
    color: #1a1a1a;
    background: #fcf7fc;
}

.container {
    max-width: 1140px;
    ;
}

h1,
h2,
h3,
h4,
h5,
h6 {
    font-family: 'Playfair Display', serif;
}

.navbar-brand {
    padding: 0;
}

.nav-link {
    color: #000;
}

.navbar-toggler {
    background: #000;
}

.step_section_container
{
    padding-top: 40px;
}
.section {
    padding: 40px 0;
}

.callback
{
    padding: 15px 0;
}

.callback a
{
    color:#fff;
    text-decoration: none;
}

.ptb40
{
    padding-top: 40px;
    padding-bottom: 40px;
}

.ptb30
{
    padding-top: 30px;
    padding-bottom: 30px;
}

.ptb20
{
    padding-top: 20px;
    padding-bottom: 20px;
}

.site_branding {
    color: #9A5D1A;
    text-decoration: none;
}

.tac {
    text-align: center;
    ;
}

.cb {
    clear: both;
    margin-bottom: 5px;
}

.dark_bg {
    background: #1A1A1A;
}

.br1 {
    border-right: 1px solid #ccc;
}

.bn {
    border: none !important;
}

.banner-txt-container
{
    background: rgba(0,0,0,0.5);
    overflow: hidden;
    padding: 15px;
    border-radius: 10px;
    max-width: 300px;
    float: right;
}

.banner-txt-container ul
{
    margin: 0;
    padding: 0;
}

.page-ulli-container
{
    padding: 15px;
    border-radius: 10px;
    overflow: hidden;
}
.page-ulli-container ul
{
    padding: 0;
}
.page-ulli-container img
{
    float: left;
    padding-top: 5px;
}

.page-ulli-container div
{
    padding-left: 32px;
}

.page-ulli-container2
{
    padding: 15px;
    border-radius: 10px;
    overflow: hidden;
}
.page-ulli-container2 h3{
    padding-bottom: 20px;
}
.page-ulli-container2 ul
{
    padding: 0;
}

.page-ulli-container2 ul li
{
    list-style: none;
}
.page-ulli-container2 img
{
    float: left;
}

.page-ulli-container2 div
{
    padding-left: 32px;
}

.step_heading
{
    margin-bottom: 0;
    font-size: 18px;
    font-weight: 600;
    padding:10px 0 0 0;
}

.process_heading
{
    margin-bottom: 0;
    font-size: 16px;
    font-weight: 600;
    padding:10px 0 0 0;
}

.step_process span{
    height: auto;
    height: 30px;
    width: 30px;
    background: #9C5C13;
    color: #fff;
    display: inline-block;
    font-weight: bold;
    border-radius: 50%;
}

.clearboth
{
    clear: both;
    display: block;
}
.mortgage_process{
    position: relative;
}
.process_row{
    position: relative;
}

/* connecting line */
.mortgage_process::before{
    content: "";
    position: absolute;
    top: 35px;
    left: -50%;
    width: 100%;
    height: 1px;
    z-index: 1;
    border-top: 1px dashed #D4A110;
}

.mortgage_process:first-child::before{
    display: none;
}

.step_counter
{
    padding:0 20px;
    border-right: 1px solid #ccc;
}

.mortgage_process
{
    padding:0 20px;
}

.page-ulli-container div p:first-child
{
    margin-bottom: 0;
    font-weight: 500;
    font-size: 17px;
}

.banner-txt-container .icon, .page-ulli-container .icon
{
    width:70px;
}

.text-right
{
    text-align: right;
}

.single_col {
    text-align: center;
    padding: 20px 15px;
    background: #fff;
    border: 1px solid #dedede;
}

.single_col a{
    text-decoration: none;
    color: #C59108;
}

.banner-txt-container ul li, .page-ulli-container ul li
{
    list-style: none;
}

.title{
    font-weight: 600;
}

.banner-txt-container li img, .page-ulli-container ul li{
    float: left;
}

.banner-txt-container li div
{
    padding-left: 60px;
}
.banner-txt-container li div p:first-child {
    margin-bottom: 0;
    font-weight: 600;
    font-size: 18px;
}

.hr1
{
    width: 70px;
    margin-left: auto;
    margin-right: auto;
    border-top: 3px solid #C59108;
    color: #F1B91B;
    opacity: 1;
    margin-top: 0;
}

.hr2
{
    width: 70px;
    margin-left: 0;
    margin-right: auto;
    border-top: 3px solid #C59108;
    color: #F1B91B;
    opacity: 1;
    margin-top: 0;
}

.why_partner
{
    padding: 15px 0;
}

.why_partner .why_partner_partner_icon
{
    float: left;
    border: 1px solid #d6a207;
    padding: 15px;
    border-radius: 50%;
    margin-right: 15px;
}

.introducer_form
{
    background: #fff;
    border: 1px solid #ddd;
    border-radius: 10px;
}

.introducer_form div
{
    padding:0 20px;
}

.coverage
{
    border-radius: 15px;
}

.step_process
{
    background: #F5EFF5;
    padding: 20px;
}

.img_container img{
    padding: 30px;
}

.img_container
{
    display: inline-block;
    border: 1px solid #D4A110;
    border-radius: 50%;
}

.no_container {
    display: inline-block;
    border: 1px solid #D4A110;
    border-radius: 50%;
    padding: 15px 30px;
    background: #F5EFF5;
    position: relative;
    z-index: 10;
    font-size: 30px;
    color: #D4A110;
}

.mb15 {
    margin-bottom: 15px;
}

.dark_bg .introducer {
    background: #F3F1F3;
    padding: 10px 0;
    text-align: center;
    font-weight: 600;
    border-radius: 10px;
    border: 1px solid #E7E5E7;
}

.light_bg .introducer {
    background: #F5F2F5;
    padding: 10px 0;
    text-align: center;
    font-weight: 600;
    border-radius: 10px;
    border: 1px solid #E2E0E2;
    box-shadow: 6px 6px 6px #E3E0E0;
}

.heading2
{
    height: auto;
    padding-bottom: 25px;
}

.dark_bg_menu {
    background: #ccc;
}

.tbb1 {
    background: rgba(255, 255, 255, 0.05);
}

.tbb2 .nav-item {
    padding: 0px 12PX;
}

.navbar-brand img {
    max-width: 335px;
    height: auto;
}


.my_menu .nav-item a:hover,
.my_menu .nav-item a.active {
    border-bottom: 1px solid #C59108;
    color: #C59108;
    ;
}


.my_menu .nav-item a {
    padding: 10px 20px;
}

.my_menu .nav-item a:hover {
    color: #C59108;
}

.home-form {
    border-radius: 10px;
    background: url(../images/form.jpg);
    text-align: center;
    color: #fff;
}

.home-form h4,
.home-form h6 {
    font-family: Verdana, Geneva, Tahoma, sans-serif;
}

.home-form h6 {
    margin-bottom: 30px;
}

.home-form p img {
    padding: 0 10px;
}

.cw {
    color: #F7F7F7;
}

.bannerbtn1 {
    background: #D4A017;
    font-size: 19px;
}

.btn1 {
    background: #D4A017;
}

.btn1:hover,
.bannerbtn1:hover {
    background: #C59108;
    color: #fff;
}

.menu-btn {
    font-size: 21px;
    border-radius: 0;
    padding: 10px 15px !important;
}

.my-menu:hover {
    background: #fff;
    color: #000;
}

.my_menu li {
    font-size: 18px;
}

.hero {
    background: #f5f5f5;
}

.banner-text {
    font-size: 20px;
}

.page_banner-text {
    font-size: 16px;
}

.page-banner-title {
    font-size: 50px;
}
.page-banner-subtitle
{
    font-size: 50px;
    color: #FFC143;
}

.banner-title {
    font-size: 58px;
}

.inner-page-title {
    font-size: 40px;
}

.banner-subtitle {
    font-size: 50px;
}

.about_us .feature-box p {
    text-align: left;
}

#intro-example {
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    background: url("../images/home.png");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: 50px 0;
}

.square
{
    list-style: square;
}

#introducer {
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    background: url("../images/introducer.jpg");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: 80px 0;
}

#protection {
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    background: url("../images/protection.jpg");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: 80px 0;
}

#mortgage {
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    background: url("../images/mortgate_banner.jpg");
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: 80px 0;
}

.bg_grey {
    background: #eee;
}

.lets_get_started
{
    background: #F2B711;
}

.services {
    position: relative;
    overflow: hidden;
    height: 65vh;
    display: flex;
    flex-direction: column;
}

.services .mask p {
    font-size: 20px;
}

.service-text {
    padding: 0 15px;
    padding-bottom: 10px;
    ;
}

.service {
    background: #fff;
    overflow: hidden;
    border-radius: 10px;
}

.service-text h4 {
    margin: 0;
    padding: 15px 0;
}

.page p {
    color: #555;
    ;
}


/* Background video */
#intro-example .bg-video {
    position: absolute;
    top: 50%;
    left: 50%;
    min-width: 100%;
    min-height: 100%;
    width: auto;
    height: auto;
    transform: translate(-50%, -50%);
    object-fit: cover;
    z-index: 1;
}

.services .bg-video {
    position: absolute;
    top: 20%;
    left: 50%;
    min-width: 100%;
    min-height: 100%;
    width: auto;
    height: auto;
    transform: translate(-50%, -50%);
    z-index: 1;
}

/* Navbar + content must stay above video */
#intro-example .navbar,
.services .navbar {
    position: relative;
    z-index: 2;
    justify-content: center;
}

#intro-example .mask {
    flex: 1;
    /* 👈 THIS IS THE FIX */
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    z-index: 2;
    padding: 0 15px;
}

.services .mask {
    flex: 1;
    /* 👈 THIS IS THE FIX */
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    z-index: 2;
    padding: 0 15px;
}


#intro-example .text-white,
.services .text-white {
    max-width: 900px;
    /* optional */
}

.btn-dark {
    background: #000;
    border: #000;
}

.start_will {
    text-align: center;
}

.partners-scroll {
    white-space: nowrap;
}

.client_testimonials img {
    max-width: 100px;
}

/* overlay */
.guided_journey::before {
    content: "";
    position: absolute;
    inset: 0;
    background: rgba(255, 255, 255, 0.65);
    /* white overlay */
    z-index: 0;
}

/* keep content above overlay */
.guided_journey>* {
    position: relative;
    z-index: 1;
}

.guided_journey div p {
    background: #000;
    color: #fff;
    padding: 15px 0;
    font-size: 20px;
    margin-bottom: 0;
    letter-spacing: 1px;
}

.cta {
    background-color: #D4A017;
    /* or #0f172a for legal blue-black */
}

.cta:hover {
    color: #fff;
    background-color: #C59108;
    /* or #0f172a for legal blue-black */
}

.cta-title {
    color: #fff;
    font-size: clamp(1.8rem, 3vw, 2.0rem);
    font-weight: 600;
}

.cta-subtitle {
    color: #d1d5db;
    font-size: 1.05rem;
    max-width: 900px;
    margin: 0 auto;
}

.cta .btn {
    letter-spacing: 0.05em;
}

.carousel-nav-bottom button {
    width: 45px;
    height: 45px;
    border-radius: 50%;
    border: none;
    opacity: 1;
}

.carousel-nav-bottom .carousel-control-prev-icon,
.carousel-nav-bottom .carousel-control-next-icon {
    filter: invert(1);
}


.carousel-nav-bottom {
    display: flex;
    justify-content: center;
    align-items: center;
}

.carousel-nav-bottom .carousel-control-prev,
.carousel-nav-bottom .carousel-control-next {
    width: 45px;
    height: 45px;
    border-radius: 50%;
    opacity: 1;
}

.carousel-nav-bottom .carousel-control-prev-icon,
.carousel-nav-bottom .carousel-control-next-icon {
    filter: invert(1);
}

.nav-toggle-compact {
    padding: 6px 10px;
    border-radius: 6px;
}

.nav-toggle-compact .navbar-toggler-icon {
    width: 1.2rem;
    height: 1.2rem;
}

.nav-toggle-compact span {
    font-size: 0.85rem;
    line-height: 1;
}

marquee {
    white-space: nowrap !important;
    padding: 20px 0;
}

marquee .partner-card {
    display: inline-block !important;
    width: 140px;
    /* REQUIRED */
    margin-right: 40px;
    vertical-align: middle;
}

marquee .partner-card img {
    display: block;
    width: 120px;
    /* REQUIRED */
    height: 60px;
    object-fit: contain;
    margin: 0 auto;
}

.site-footer {
    background: #1A1A1A;
    color: #fff;
    padding: 50px 0 0 0;
}

.footer-brand {
    background: #ccc;
    color: #000;
    padding: 20px;
    display: inline-block;
    font-weight: 700;
    letter-spacing: 1px;
}

.footer-title {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 12px;
}

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

.footer-links li {
    margin-bottom: 6px;
}

.copyright {
    padding: 15px 0;
    background: #0F0F0F;
    margin-top: 15px;
    ;
}

.copyright a {
    color: #fff;
    text-decoration: none;
}

.copyright p {
    font-size: 13px;
    ;
    padding-bottom: 0;
    margin-bottom: 0;
}

.footer-links a {
    color: #fff;
    text-decoration: none;
    font-size: 14px;
    opacity: 0.85;
}

.footer-links a:hover {
    opacity: 1;
    text-decoration: underline;
}

.footer-logo {
    max-width: 120px;
    display: block;
    margin-left: auto;
    margin-right: auto;
}

.footer-divider {
    border-color: rgba(255, 255, 255, 0.2);
    margin: 30px 0 15px;
}

.footer-bottom {
    padding: 15px 0;
    background: url(../images/001.jpg);
    color: #fff;
}

.site-footer img {
    filter: none !important;
    display: inline;
}

.bg-white {
    background-color: #fff;
    ;
}

.footer-logos {
    display: flex;
    justify-content: flex-end;
    /* right aligned */
    align-items: center;
    gap: 12px;
    /* control spacing here */
}

.site-footer img {
    margin: 0;
    filter: none;
}

.footer-logos .logo-box:first-child {
    width: calc(30% - 1px);
    /* (100% - 2px) / 2 */
    display: flex;
    align-items: center;
    justify-content: center;
}

.footer-logos .logo-box:last-child {
    width: calc(70% - 1px);
    /* (100% - 2px) / 2 */
    display: flex;
    align-items: center;
    justify-content: center;
}

.footer-logos {
    display: flex;
    gap: 2px;
    width: 100%;
}

.footer-logos img {
    max-width: 100%;
    max-height: 100%;
    object-fit: contain;
}

.social-box {
    width: 30px;
    display: flex;
    justify-content: center;
}

.social-box img {
    max-width: 100%;
    max-height: 100%;
    object-fit: contain;
}

.footer-socials {
    display: flex;
    justify-content: center;
    /* ⭐ centers the row */
    align-items: center;
    gap: 8px;
    /* spacing between icons */
    width: 100%;
}

.dropdown-menu {
    border-radius: 0;
    border: none;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.15);
    padding-top: 0;
    padding-bottom: 0;
}

.dropdown-item {
    padding: 10px 20px;
}

.service-card .card-img-top {
    border-top-left-radius: 0px;
    border-top-right-radius: 0px;
}

.my_menu .dropdown-menu li {
    border-bottom: 1px solid #C59108;
}

.service-title {
    font-size: 1.25rem;
    font-weight: 500;
    margin-top: 10px;
    margin-bottom: 12px;
    min-height: 3rem;
    /* ensures equal height for 1 or 2 lines */
    display: flex;
    align-items: center;
    justify-content: center;
}

.partner {
    background: #f5f0f4;
    padding: 10px 0;
    border-bottom: 1px solid #E7E2E6;
}

.navbar {
    height: auto;

}

.maastrix {
    position: relative;
    padding-bottom: 10px;
    /* extra space for two lines */
}

.dark_bg #introducer_form
{
    padding: 15px;
    background: #F3F1F3;
    border: 1px solid #E2E1E2;
}

.light_bg #introducer_form
{
    padding: 15px;
    background: #F5F2F5;
    border: 1px solid #E2E1E2;
    box-shadow: 6px 6px 6px #E3E0E0;
}
.dark_bg #introducer_form label
{
    display: block;
}

select
{
    padding: 3px 0;;
}

.dark_bg h3{
    color: #fff;
    padding: 15px 0;
}

.dark_bg #introducer_form p
{
    font-weight: 600;
    display: block;
    color: #9b5c12;
}

.light_bg #introducer_form input[type='text'], .light_bg #introducer_form select, .dark_bg #introducer_form input[type='text'], .dark_bg #introducer_form select{
    width:100%;
}

 #introducer_form p
{
    font-weight: 600;
    display: block;
    color: #9b5c12;
    margin-bottom: 3px;
}

.dark_bg .introducer p{
    margin-bottom: 10px;
}

.dark_bg .single_column
{
    margin-bottom: 10px;
    border: 1px solid #E7E5E7;
}

.light_bg .single_column
{
    padding:10px;
}

.single_column label
{
    display: block;
}

.maastrix::after,
.maastrix::before {
    content: "";
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    height: 2px;
    background: #000;
}

/* First (longer) line */
.maastrix::after {
    width: 120px;
    bottom: 0;
}

/* Second (shorter) line */
.maastrix::before {
    width: 80px;
    bottom: -6px;
    /* spacing between the two lines */
}

.cm10 {
    margin: 90px 0;
}

.cmt10 {
    margin-top: 90px;
}

.partner-marquee {
    overflow: hidden;
    width: 100%;
}

.partner-track {
    display: flex;
    width: max-content;
    animation: marquee-scroll 25s linear infinite;
}

.partner-card {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0 10px;
}

.partner-card img {
    max-height: 60px;
    width: auto;
    display: block;
}

.hiw_step {
    text-align: center;
    background: #f1ebed;
    padding: 15px 10px;
    border-radius: 10px;
    border: 1px solid #D5D2D3;
}

.hiw_step .step_heading {
    font-size: 17px;
    font-weight: 600;
    padding: 10px 0;
    margin-bottom: 0;
}

.hiw_step .step_heading span {
    color: #9A5C19;
}

.our_introducer
{
    text-align: center;
}

.our_introducer p{
    font-size: 17px;
    font-weight: 600;
    padding: 20px 0 0 0;
    margin-bottom: 0;
}

.introducer_process .col div{
    background:#d6a207;
    display: inline-block;
    padding: 3px 11px;
    border-radius: 50%;
    color: #fff;
    margin: 5px 0;
    font-weight: bold;
}

.introducer_process .col .img_container
{
    margin: 0;
    margin-bottom: -20px;
}

/* Smooth infinite animation */
@keyframes marquee-scroll {
    from {
        transform: translateX(0);
    }

    to {
        transform: translateX(-50%);
    }
}


@media (max-width: 991px) {
    .offcanvas {
        width: 100vw !important;
    }
}

@media (max-width: 767.98px) {
    .banner-title {
        font-size: 30px;
    }

    .footer-links {
        list-style: none;
    }

    .banner-subtitle {
        font-size: 25px;
        ;
    }
}

@media (min-width: 992px) {
    .navbar .dropdown:hover>.dropdown-menu {
        display: block;
        margin-top: 0;
    }
}