/* =====================================================================
   HOME PAGE (include/main.php) — loaded only on index.php
   Palette follows the logo: deep navy + gold, with brand blue highlights.
   ===================================================================== */
:root {
    --hx-navy: #0a1a44;
    --hx-navy-2: #12286b;
    --hx-navy-3: #1b3a8f;
    --hx-blue: #0b5ed7;
    --hx-blue-2: #2f7cf6;
    --hx-sky: #eaf2ff;
    --hx-gold: #b8913a;
    --hx-gold-2: #d9b866;
    --hx-gold-l: #f7f0de;
    --hx-ink: #0e1b3d;
    --hx-text: #33415c;
    --hx-muted: #66748f;
    --hx-line: #e1e8f3;
    --hx-bg: #f5f8fd;
    --hx-r: 12px;
    --hx-shadow: 0 18px 45px -18px rgba(10, 26, 68, .28);
    --hx-shadow-sm: 0 8px 24px -12px rgba(10, 26, 68, .22);
}

.hx-wrap { width: min(1240px, 100% - 48px); margin: 0 auto; }
.hx-section { padding: 96px 0; position: relative; }

/* ---------- shared text pieces ---------- */
.hx-kicker {
    display: inline-flex; align-items: center; gap: 10px;
    font-size: 13px; font-weight: 800; color: var(--hx-blue);
    text-transform: uppercase; letter-spacing: .04em; margin-bottom: 14px;
}
.hx-kicker::before { content: ""; width: 28px; height: 2px; background: linear-gradient(90deg, var(--hx-gold), var(--hx-blue)); }
.hx-kicker-light { color: var(--hx-gold-2); }
.hx-kicker-light::before { background: var(--hx-gold-2); }

.hx-head h2, .hx-section h2, .hx-goals h2 {
     font-size: clamp(30px, 3.4vw, 42px);
    line-height: 1.15;
    font-weight: 800;
    color: var(--hx-ink);
    letter-spacing: -1px;
    margin: 0 0 14px;
}
.hx-head p, .hx-section h2 + p { color: var(--hx-muted); font-size: 17px; line-height: 1.7; margin: 0; }
.hx-head { margin-bottom: 48px; }
.hx-head-center { text-align: center; max-width: 760px; margin-left: auto; margin-right: auto; }
.hx-head-split { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: end; }
.hx-head-split h2 { margin: 0; }
.hx-head-side { display: grid; gap: 18px; justify-items: start; }

.hx-grad {
    background: linear-gradient(100deg, var(--hx-blue) 0%, var(--hx-navy-3) 55%, var(--hx-blue-2) 100%);
    -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hx-gold { color: var(--hx-gold-2); }

.hx-btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 9px;
    padding: 15px 26px; border-radius: 10px; font-weight: 700; font-size: 15px;
    border: 1px solid transparent; cursor: pointer; transition: transform .25s ease, box-shadow .25s ease, background .25s ease, color .25s ease;
    white-space: nowrap;
}
.hx-btn i { transition: transform .25s ease; }
.hx-btn:hover { transform: translateY(-2px); }
.hx-btn:hover i.bi-arrow-right { transform: translateX(4px); }
.hx-btn-primary { background: linear-gradient(135deg, var(--hx-blue), var(--hx-navy-2)); color: #fff; box-shadow: 0 12px 28px -10px rgba(11, 94, 215, .65); }
.hx-btn-primary:hover { box-shadow: 0 18px 34px -12px rgba(11, 94, 215, .8); color: #fff; }
.hx-btn-ghost { background: #fff; color: var(--hx-ink); border-color: var(--hx-line); box-shadow: var(--hx-shadow-sm); }
.hx-btn-ghost:hover { border-color: var(--hx-blue); color: var(--hx-blue); }
.hx-btn-gold { background: linear-gradient(135deg, var(--hx-gold-2), var(--hx-gold)); color: var(--hx-navy); box-shadow: 0 12px 30px -12px rgba(217, 184, 102, .75); }
.hx-btn-gold:hover { color: var(--hx-navy); }
.hx-btn-outline-light { color: #fff; border-color: rgba(255, 255, 255, .35); background: rgba(255, 255, 255, .06); }
.hx-btn-outline-light:hover { background: rgba(255, 255, 255, .14); color: #fff; }

.hx-text-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--hx-blue); }
.hx-text-link i { transition: transform .25s; }
.hx-text-link:hover i { transform: translateX(4px); }

/* ---------- reveal-on-scroll (JS adds .is-in) ---------- */
.js .hx-reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease var(--d, 0s), transform .7s cubic-bezier(.2, .7, .2, 1) var(--d, 0s); }
.js .hx-reveal.is-in { opacity: 1; transform: none; }
.hx-rise { opacity: 0; animation: hx-rise .8s cubic-bezier(.2, .7, .2, 1) var(--d, 0s) forwards; }
@keyframes hx-rise { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: none; } }

/* =====================================================================
   HERO
   ===================================================================== */
.hx-hero {
    position: relative; overflow: hidden;
    padding: 150px 0 90px;
    background:
        radial-gradient(circle at 82% 35%, rgba(18, 70, 170, .50), rgba(168, 205, 255, .55) 34%, transparent 62%),
        radial-gradient(circle at 5% 90%, rgba(47, 124, 246, .32), transparent 32%),
        radial-gradient(circle at 40% 0%, rgba(217, 184, 102, .16), transparent 30%),
        linear-gradient(180deg, #f6f9ff 0%, #ffffff 100%);
}
.hx-hero-bg { position: absolute; inset: 0; pointer-events: none; }
.hx-grid {
    position: absolute; inset: 0;
    background-image: linear-gradient(rgba(18, 40, 107, .06) 1px, transparent 1px), linear-gradient(90deg, rgba(18, 40, 107, .06) 1px, transparent 1px);
    background-size: 56px 56px;
    mask-image: radial-gradient(ellipse at 70% 40%, #000 0%, transparent 70%);
    -webkit-mask-image: radial-gradient(ellipse at 70% 40%, #000 0%, transparent 70%);
}
.hx-glow { position: absolute; border-radius: 50%; filter: blur(60px); opacity: .55; animation: hx-drift 14s ease-in-out infinite alternate; }
.hx-glow-1 { width: 380px; height: 380px; right: 8%; top: 12%; background: rgba(47, 124, 246, .45); }
.hx-glow-2 { width: 260px; height: 260px; left: -60px; bottom: -40px; background: rgba(217, 184, 102, .35); animation-delay: -6s; }
@keyframes hx-drift { to { transform: translate(-40px, 30px) scale(1.12); } }

.hx-hero-inner { position: relative; display: grid; grid-template-columns: 1.08fr .92fr; gap: 56px; align-items: center; }

.hx-eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 8px 16px 8px 10px; border-radius: 40px;
    background: rgba(255, 255, 255, .85); border: 1px solid rgba(184, 145, 58, .35);
    box-shadow: var(--hx-shadow-sm); color: var(--hx-navy-2); font-size: 13.5px; font-weight: 700; margin-bottom: 22px;
}
.hx-eyebrow-dot { width: 22px; height: 22px; border-radius: 50%; background: radial-gradient(circle, var(--hx-gold-2) 0 4px, rgba(217, 184, 102, .25) 5px); animation: hx-pulse 2.2s ease-in-out infinite; }
@keyframes hx-pulse { 50% { transform: scale(1.18); } }

.hx-hero-content h1 {
font-size: clamp(40px, 5vw, 48px);
    line-height: 1.12;
    font-weight: 800;
    color: var(--hx-ink);
    letter-spacing: -2px;
    margin: 0 0 22px;
}
.hx-hero-lead { font-size: 17.5px; line-height: 1.75; color: var(--hx-text); max-width: 600px; margin: 0 0 30px; }
.hx-hero-lead strong { color: var(--hx-navy-2); font-weight: 700; }
.hx-hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }

/* core service tags — premium chips with shine */
.hx-hero-tags { list-style: none; display: flex; flex-wrap: wrap; gap: 10px; padding: 0; margin: 0 0 26px; }
.hx-hero-tags li { opacity: 0; animation: hx-rise .6s cubic-bezier(.2, .7, .2, 1) var(--d) forwards; }
.hx-hero-tags a {
    position: relative; overflow: hidden; isolation: isolate;
    display: inline-flex; align-items: center; gap: 8px;
    padding: 9px 16px; border-radius: 40px; font-size: 14px; font-weight: 700; color: var(--hx-navy-2);
    background: linear-gradient(#fff, #fff) padding-box, linear-gradient(120deg, var(--hx-gold-2), var(--hx-blue-2), var(--hx-gold)) border-box;
    border: 1.5px solid transparent;
    box-shadow: 0 6px 16px -10px rgba(10, 26, 68, .45);
    transition: transform .25s ease, box-shadow .25s ease, color .25s;
}
.hx-hero-tags a i { color: var(--hx-gold); font-size: 15px; transition: color .25s; }
.hx-hero-tags a::after {
    content: ""; position: absolute; inset: 0; z-index: -1;
    background: linear-gradient(105deg, transparent 35%, rgba(217, 184, 102, .35) 50%, transparent 65%);
    transform: translateX(-120%); animation: hx-shine 5s ease-in-out infinite; animation-delay: calc(var(--d) + 1s);
}
.hx-hero-tags a:hover { transform: translateY(-3px); color: #fff; box-shadow: 0 14px 26px -12px rgba(11, 94, 215, .7);
    background: linear-gradient(135deg, var(--hx-blue), var(--hx-navy-2)) padding-box, linear-gradient(120deg, var(--hx-gold-2), var(--hx-blue-2)) border-box; }
.hx-hero-tags a:hover i { color: var(--hx-gold-2); }
@keyframes hx-shine { 0%, 60% { transform: translateX(-120%); } 85%, 100% { transform: translateX(120%); } }


/* right side — corporate dashboard with motion */
.hx-hero-visual { position: relative; min-height: 520px; display: grid; place-items: center; }
.hx-orbit { position: absolute; border-radius: 50%; border: 1px dashed rgba(18, 40, 107, .22); animation: hx-spin 40s linear infinite; }
.hx-orbit-1 { width: 520px; height: 520px; }
.hx-orbit-2 { width: 380px; height: 380px; border-style: solid; border-color: rgba(184, 145, 58, .22); animation-direction: reverse; animation-duration: 28s; }
.hx-orbit::before { content: ""; position: absolute; top: -6px; left: 50%; width: 12px; height: 12px; border-radius: 50%; background: var(--hx-blue-2); box-shadow: 0 0 0 6px rgba(47, 124, 246, .18); }
.hx-orbit-2::before { background: var(--hx-gold-2); box-shadow: 0 0 0 6px rgba(217, 184, 102, .22); top: auto; bottom: -6px; }
@keyframes hx-spin { to { transform: rotate(360deg); } }

.hx-dash {
    position: relative; z-index: 2; width: min(410px, 100%);
    background: rgba(255, 255, 255, .92); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
    border: 1px solid rgba(255, 255, 255, .9); border-radius: 18px; padding: 22px;
    box-shadow: 0 40px 80px -30px rgba(10, 26, 68, .45), 0 0 0 1px rgba(18, 40, 107, .06);
    animation: hx-float 7s ease-in-out infinite;
}
@keyframes hx-float { 50% { transform: translateY(-12px); } }
.hx-dash-head { display: flex; justify-content: space-between; align-items: center; padding-bottom: 16px; border-bottom: 1px solid var(--hx-line); }
.hx-dash-head small { display: block; color: var(--hx-muted); font-size: 12px; font-weight: 600; }
.hx-dash-head strong { color: var(--hx-ink); font-size: 16px; }
.hx-live { display: inline-flex; align-items: center; gap: 6px; font-size: 12px; font-weight: 800; color: #0f8a55; background: #e8f8f0; padding: 5px 10px; border-radius: 20px; }
.hx-live i { width: 7px; height: 7px; border-radius: 50%; background: #16a36a; animation: hx-blink 1.4s infinite; }
@keyframes hx-blink { 50% { opacity: .25; } }

.hx-dash-score { display: grid; grid-template-columns: 112px 1fr; gap: 18px; align-items: center; padding: 18px 0; }
.hx-ring { position: relative; width: 112px; height: 112px; }
.hx-ring svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.hx-ring circle { fill: none; stroke: var(--hx-sky); stroke-width: 10; }
.hx-ring .hx-ring-bar { stroke: var(--hx-blue); stroke-linecap: round; stroke-dasharray: 327; stroke-dashoffset: 327; animation: hx-ring 2s cubic-bezier(.2, .7, .2, 1) .6s forwards; }
@keyframes hx-ring { to { stroke-dashoffset: calc(327 - 327 * var(--p) / 100); } }
.hx-ring > div { position: absolute; inset: 0; display: grid; place-content: center; text-align: center; }
.hx-ring b { font-size: 24px; color: var(--hx-ink); line-height: 1; }
.hx-ring small { font-size: 11px; color: var(--hx-muted); font-weight: 700; margin-top: 4px; }
.hx-dash-score ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.hx-dash-score li { display: flex; justify-content: space-between; font-size: 13.5px; color: var(--hx-muted); border-bottom: 1px dashed var(--hx-line); padding-bottom: 7px; }
.hx-dash-score li b { color: var(--hx-ink); }

.hx-dash-list { display: grid; gap: 8px; }
.hx-dash-row { display: grid; grid-template-columns: 34px 1fr auto; gap: 10px; align-items: center; padding: 9px 10px; border-radius: 10px; background: var(--hx-bg); font-size: 13.5px; font-weight: 600; color: var(--hx-ink);
    opacity: 0; animation: hx-slide .6s ease forwards; }
.hx-dash-row:nth-child(1) { animation-delay: .9s; } .hx-dash-row:nth-child(2) { animation-delay: 1.05s; }
.hx-dash-row:nth-child(3) { animation-delay: 1.2s; } .hx-dash-row:nth-child(4) { animation-delay: 1.35s; }
@keyframes hx-slide { from { opacity: 0; transform: translateX(16px); } to { opacity: 1; transform: none; } }
.hx-dash-row > i { width: 34px; height: 34px; border-radius: 9px; display: grid; place-items: center; background: #fff; color: var(--hx-blue); box-shadow: var(--hx-shadow-sm); }
.hx-dash-row em { font-style: normal; font-size: 11.5px; font-weight: 800; padding: 4px 9px; border-radius: 20px; }
.hx-dash-row em.ok { color: #0f8a55; background: #e3f7ec; }
.hx-dash-row em.run { color: #0b5ed7; background: #e6f0ff; }
.hx-dash-row em.wait { color: #9a6b00; background: var(--hx-gold-l); }

.hx-dash-bars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; margin-top: 16px; }
.hx-dash-bars div { font-size: 11px; font-weight: 800; color: var(--hx-muted); }
.hx-dash-bars i { display: block; height: 6px; margin-top: 6px; border-radius: 6px; background: var(--hx-sky); position: relative; overflow: hidden; }
.hx-dash-bars i::after { content: ""; position: absolute; inset: 0; width: 0; background: linear-gradient(90deg, var(--hx-blue), var(--hx-gold-2)); border-radius: 6px; animation: hx-bar 1.6s ease 1.4s forwards; }
@keyframes hx-bar { to { width: var(--w); } }

.hx-chip {
    position: absolute; z-index: 3; display: flex; align-items: center; gap: 10px;
    padding: 11px 14px; border-radius: 12px; background: #fff; box-shadow: var(--hx-shadow);
    border: 1px solid var(--hx-line); animation: hx-float 6s ease-in-out infinite;
}
.hx-chip > i { width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; font-size: 17px; color: #fff; background: linear-gradient(135deg, var(--hx-blue), var(--hx-navy-2)); }
.hx-chip b { display: block; font-size: 13.5px; color: var(--hx-ink); }
.hx-chip small { font-size: 11.5px; color: var(--hx-muted); }
.hx-chip-1 { top: 6%; left: -2%; animation-delay: -1s; }
.hx-chip-2 { bottom: 14%; left: -6%; animation-delay: -3s; }
.hx-chip-2 > i { background: linear-gradient(135deg, #16a36a, #0f7a4f); }
.hx-chip-3 { top: 18%; right: -4%; animation-delay: -4.5s; }
.hx-chip-3 > i { background: linear-gradient(135deg, var(--hx-gold-2), var(--hx-gold)); }

/* =====================================================================
   OUR EXPERTISE — 7 cards in two rows (4 + 3)
   ===================================================================== */
.hx-expertise { background: #fff; }
.hx-exp-grid { display: grid; grid-template-columns: repeat(12, 1fr); gap: 22px; }
.hx-exp-card { grid-column: span 3; }
.hx-exp-card:nth-child(n+5) { grid-column: span 4; }
.hx-exp-card {
    position: relative; display: flex; flex-direction: column; padding: 28px 26px 24px;
    background: #fff; border: 1px solid var(--hx-line); border-radius: var(--hx-r);
    box-shadow: 0 1px 0 rgba(10, 26, 68, .03); overflow: hidden;
    transition: transform .35s ease, box-shadow .35s ease, border-color .35s;
}
.hx-exp-card::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 3px; background: linear-gradient(90deg, var(--hx-blue), var(--hx-gold-2)); transform: scaleX(0); transform-origin: left; transition: transform .45s ease; }
.hx-exp-card:hover { transform: translateY(-6px); box-shadow: var(--hx-shadow); border-color: transparent; }
.hx-exp-card:hover::before { transform: scaleX(1); }
.hx-exp-top { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 20px; }
.hx-exp-icon { width: 56px; height: 56px; border-radius: 14px; display: grid; place-items: center; font-size: 24px; color: #fff; background: linear-gradient(135deg, var(--hx-blue), var(--hx-navy-2)); box-shadow: 0 12px 24px -12px rgba(11, 94, 215, .8); transition: transform .35s; }
.hx-exp-card:hover .hx-exp-icon { transform: rotate(-6deg) scale(1.06); }
.hx-exp-num { font-size: 38px; font-weight: 800; line-height: 1; color: transparent; -webkit-text-stroke: 1.2px #d3ddef; }
.hx-exp-card h3 { font-size: 19px; font-weight: 800; color: var(--hx-ink); margin: 0 0 8px; line-height: 1.3; }
.hx-exp-card > p { font-size: 14.5px; color: var(--hx-muted); line-height: 1.6; margin: 0 0 16px; }
.hx-exp-card ul { list-style: none; padding: 16px 0 0; margin: 0 0 18px; border-top: 1px solid var(--hx-line); display: grid; gap: 9px; }
.hx-exp-card li a { display: flex; gap: 9px; align-items: flex-start; font-size: 14.5px; font-weight: 600; color: var(--hx-text); transition: color .2s, transform .2s; }
.hx-exp-card li a i { color: var(--hx-gold); font-size: 15px; margin-top: 1px; }
.hx-exp-card li a:hover { color: var(--hx-blue); transform: translateX(3px); }
.hx-exp-link { margin-top: auto; display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 800; color: var(--hx-blue); }
.hx-exp-link i { transition: transform .25s; }
.hx-exp-card:hover .hx-exp-link i { transform: translateX(5px); }

/* =====================================================================
   THE MYBIZPA WAY — navy timeline
   ===================================================================== */
.hx-way { background: radial-gradient(circle at 15% 0%, rgba(47, 124, 246, .35), transparent 40%), radial-gradient(circle at 90% 100%, rgba(217, 184, 102, .18), transparent 40%), linear-gradient(160deg, var(--hx-navy) 0%, var(--hx-navy-2) 100%); color: #fff; overflow: hidden; }
.hx-way h2 { color: #fff; }
.hx-way .hx-head p { color: rgba(255, 255, 255, .72); }
.hx-way-steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(6, 1fr); gap: 18px; position: relative; }
.hx-way-steps::before { content: ""; position: absolute; top: 34px; left: 8%; right: 8%; height: 2px; background: linear-gradient(90deg, rgba(217, 184, 102, .1), rgba(217, 184, 102, .8), rgba(47, 124, 246, .8), rgba(47, 124, 246, .1)); background-size: 200% 100%; animation: hx-flow 6s linear infinite; }
@keyframes hx-flow { to { background-position: -200% 0; } }
.hx-way-steps li { position: relative; text-align: center; padding: 0 6px; }
.hx-way-icon { position: relative; z-index: 1; width: 70px; height: 70px; margin: 0 auto 18px; border-radius: 50%; display: grid; place-items: center; font-size: 26px; color: var(--hx-gold-2); background: var(--hx-navy); border: 2px solid rgba(217, 184, 102, .55); box-shadow: 0 0 0 8px rgba(255, 255, 255, .04); transition: transform .35s, background .35s, color .35s; }
.hx-way-steps li:hover .hx-way-icon { transform: translateY(-6px); background: linear-gradient(135deg, var(--hx-gold-2), var(--hx-gold)); color: var(--hx-navy); }
.hx-way-steps small { display: block; font-size: 12px; font-weight: 800; color: var(--hx-gold-2); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 6px; }
.hx-way-steps h3 { font-size: 20px; font-weight: 800; margin: 0 0 8px; color: #fff; }
.hx-way-steps p { font-size: 14px; line-height: 1.6; color: rgba(255, 255, 255, .7); margin: 0; }

/* =====================================================================
   ANNUAL COMPLIANCE
   ===================================================================== */
.hx-compliance { background: var(--hx-bg); }
.hx-compliance-inner { display: grid; grid-template-columns: 380px 1fr; gap: 56px; align-items: start; }
.hx-compliance-intro { position: sticky; top: 130px; }
.hx-compliance-intro p { margin-bottom: 22px !important; }
.hx-ticks { list-style: none; padding: 0; margin: 0 0 28px; display: grid; gap: 12px; }
.hx-ticks li { display: flex; gap: 10px; font-weight: 600; color: var(--hx-text); font-size: 15px; }
.hx-ticks i { color: var(--hx-gold); }
.hx-compliance-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.hx-comp-tile {
    position: relative; display: flex; flex-direction: column; gap: 6px; padding: 20px 20px 18px; min-height: 128px;
    background: #fff; border: 1px solid var(--hx-line); border-radius: var(--hx-r);
    transition: transform .3s, box-shadow .3s, border-color .3s, background .3s;
}
.hx-comp-no { font-size: 12px; font-weight: 800; color: var(--hx-gold); }
.hx-comp-tile strong { font-size: 15.5px; color: var(--hx-ink); line-height: 1.35; padding-right: 22px; }
.hx-comp-tile small { font-size: 13px; color: var(--hx-muted); line-height: 1.5; }
.hx-comp-tile > i { position: absolute; top: 18px; right: 18px; color: #b7c4da; transition: color .3s, transform .3s; }
.hx-comp-tile:hover { transform: translateY(-4px); box-shadow: var(--hx-shadow); border-color: transparent; background: linear-gradient(160deg, #fff, var(--hx-sky)); }
.hx-comp-tile:hover > i { color: var(--hx-blue); transform: translate(3px, -3px); }

/* =====================================================================
   EXPERT CONSULTATION — navy panel
   ===================================================================== */
.hx-expert { background: #fff; }
.hx-expert-panel {
    position: relative; overflow: hidden; display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; align-items: center;
    padding: 64px; border-radius: 22px; color: #fff;
    background: radial-gradient(circle at 100% 0%, rgba(47, 124, 246, .45), transparent 45%), radial-gradient(circle at 0% 100%, rgba(217, 184, 102, .22), transparent 40%), linear-gradient(140deg, var(--hx-navy), var(--hx-navy-2));
    box-shadow: 0 40px 80px -40px rgba(10, 26, 68, .7);
}
.hx-expert-panel::after { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(255, 255, 255, .08) 1px, transparent 1px); background-size: 22px 22px; pointer-events: none; }
.hx-expert-intro, .hx-expert-cards { position: relative; z-index: 1; }
.hx-expert h2 { color: #fff; }
.hx-expert h2 + p { color: rgba(255, 255, 255, .75); margin-bottom: 28px; }
.hx-expert-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hx-expert-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.hx-pro-card {
    display: flex; flex-direction: column; padding: 26px; border-radius: 16px; color: #fff;
    background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .14);
    backdrop-filter: blur(6px); transition: transform .35s, background .35s, border-color .35s;
}
.hx-pro-card:hover { transform: translateY(-6px); background: rgba(255, 255, 255, .12); border-color: rgba(217, 184, 102, .55); color: #fff; }
.hx-pro-icon { width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center; font-size: 23px; color: var(--hx-navy); background: linear-gradient(135deg, var(--hx-gold-2), var(--hx-gold)); margin-bottom: 18px; }
.hx-pro-card h3 { font-size: 20px; font-weight: 800; margin: 0 0 6px; }
.hx-pro-card > small { color: var(--hx-gold-2); font-size: 13px; font-weight: 600; line-height: 1.5; }
.hx-pro-card ul { list-style: none; padding: 16px 0 0; margin: 16px 0 20px; border-top: 1px solid rgba(255, 255, 255, .14); display: grid; gap: 9px; }
.hx-pro-card li { display: flex; gap: 8px; font-size: 14.5px; color: rgba(255, 255, 255, .85); }
.hx-pro-card li i { color: var(--hx-gold-2); }
.hx-pro-link { margin-top: auto; font-weight: 800; font-size: 14px; display: inline-flex; gap: 8px; align-items: center; }
.hx-pro-link i { transition: transform .25s; }
.hx-pro-card:hover .hx-pro-link i { transform: translateX(5px); }

/* =====================================================================
   WHY CHOOSE US
   ===================================================================== */
.hx-why { background: linear-gradient(180deg, #fff, var(--hx-bg)); }
.hx-why-inner { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: center; }
.hx-why-intro p { margin-bottom: 22px !important; }
.hx-why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.hx-why-card { position: relative; padding: 28px 26px; background: #fff; border: 1px solid var(--hx-line); border-radius: var(--hx-r); overflow: hidden; transition: transform .35s, box-shadow .35s; }
.hx-why-card:nth-child(2), .hx-why-card:nth-child(4) { transform: translateY(26px); }
.hx-why-card.is-in:nth-child(2), .hx-why-card.is-in:nth-child(4) { transform: translateY(26px); }
.hx-why-card:hover { box-shadow: var(--hx-shadow); }
.hx-why-no { position: absolute; right: 18px; top: 10px; font-size: 54px; font-weight: 800; color: transparent; -webkit-text-stroke: 1.2px #e1e8f3; }
.hx-why-icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; font-size: 22px; color: var(--hx-blue); background: var(--hx-sky); margin-bottom: 18px; transition: background .3s, color .3s; }
.hx-why-card:hover .hx-why-icon { background: linear-gradient(135deg, var(--hx-blue), var(--hx-navy-2)); color: #fff; }
.hx-why-card h3 { font-size: 18px; font-weight: 800; color: var(--hx-ink); margin: 0 0 8px; }
.hx-why-card p { font-size: 14.5px; color: var(--hx-muted); line-height: 1.65; margin: 0; }

/* =====================================================================
   SERVICE FINDER
   ===================================================================== */
.hx-finder { background: #fff; }
.hx-finder-bar { display: grid; gap: 18px; justify-items: center; margin-bottom: 34px; }
.hx-finder-search { position: relative; width: min(620px, 100%); }
.hx-finder-search i { position: absolute; left: 20px; top: 50%; transform: translateY(-50%); color: var(--hx-muted); font-size: 18px; }
.hx-finder-search input {
    width: 100%; padding: 17px 20px 17px 52px; font: inherit; font-size: 16px; color: var(--hx-ink);
    border: 1.5px solid var(--hx-line); border-radius: 12px; background: #fff; box-shadow: var(--hx-shadow-sm); outline: none;
    transition: border-color .2s, background .2s, box-shadow .2s;
}
.hx-finder-search input:focus { border-color: var(--hx-blue); background: #fffbe6; box-shadow: 0 0 0 4px rgba(11, 94, 215, .12); }
.hx-finder-search input.is-filled:not(:focus) { background: #ecfdf3; }
.hx-finder-tabs { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px; padding: 6px; background: var(--hx-bg); border: 1px solid var(--hx-line); border-radius: 14px; }
.hx-finder-tabs button { border: 0; background: transparent; padding: 10px 16px; border-radius: 10px; font: inherit; font-size: 14px; font-weight: 700; color: var(--hx-text); cursor: pointer; transition: background .25s, color .25s, box-shadow .25s; }
.hx-finder-tabs button:hover { color: var(--hx-blue); }
.hx-finder-tabs button.active { background: linear-gradient(135deg, var(--hx-blue), var(--hx-navy-2)); color: #fff; box-shadow: 0 8px 18px -10px rgba(11, 94, 215, .8); }
.hx-finder-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.hx-find-card {
    display: grid; grid-template-columns: 46px 1fr 20px; gap: 14px; align-items: center; padding: 16px 18px;
    background: #fff; border: 1px solid var(--hx-line); border-radius: var(--hx-r);
    transition: transform .3s, box-shadow .3s, border-color .3s;
    animation: hx-pop .4s ease both;
}
.hx-find-card.is-hidden { display: none; }
@keyframes hx-pop { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.hx-find-card:hover { transform: translateY(-3px); box-shadow: var(--hx-shadow); border-color: transparent; }
.hx-find-icon { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; font-size: 19px; color: var(--hx-blue); background: var(--hx-sky); transition: background .3s, color .3s; }
.hx-find-card:hover .hx-find-icon { background: linear-gradient(135deg, var(--hx-blue), var(--hx-navy-2)); color: #fff; }
.hx-find-body { display: grid; gap: 2px; min-width: 0; }
.hx-find-body small { font-size: 11.5px; font-weight: 800; color: var(--hx-gold); text-transform: uppercase; letter-spacing: .03em; }
.hx-find-body strong { font-size: 15.5px; color: var(--hx-ink); line-height: 1.35; }
.hx-find-body em { font-style: normal; font-size: 13px; color: var(--hx-muted); line-height: 1.45; }
.hx-find-go { color: #b7c4da; transition: color .25s, transform .25s; }
.hx-find-card:hover .hx-find-go { color: var(--hx-blue); transform: translateX(4px); }
.hx-finder-empty { display: none; text-align: center; padding: 40px 20px; color: var(--hx-muted); border: 1.5px dashed var(--hx-line); border-radius: var(--hx-r); }
.hx-finder-empty.show { display: block; }
.hx-finder-empty i { font-size: 30px; color: var(--hx-blue); }
.hx-finder-empty a { color: var(--hx-blue); font-weight: 700; }
.hx-finder-more { display: none; text-align: center; margin-top: 26px; }
.hx-finder-more.show { display: block; }

/* =====================================================================
   LOANS & SUBSIDIES
   ===================================================================== */
.hx-loans { background: var(--hx-bg); }
.hx-loan-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.hx-loan-card { position: relative; display: flex; flex-direction: column; padding: 26px 24px 22px; background: #fff; border: 1px solid var(--hx-line); border-radius: var(--hx-r); overflow: hidden; transition: transform .35s, box-shadow .35s, border-color .35s; }
.hx-loan-card::after { content: ""; position: absolute; right: -40px; top: -40px; width: 120px; height: 120px; border-radius: 50%; background: radial-gradient(circle, rgba(217, 184, 102, .25), transparent 70%); transition: transform .5s; }
.hx-loan-card:hover { transform: translateY(-6px); box-shadow: var(--hx-shadow); border-color: transparent; }
.hx-loan-card:hover::after { transform: scale(1.6); }
.hx-loan-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
.hx-loan-icon { width: 50px; height: 50px; border-radius: 13px; display: grid; place-items: center; font-size: 21px; color: var(--hx-gold-2); background: linear-gradient(135deg, var(--hx-navy), var(--hx-navy-3)); }
.hx-badge { font-size: 11.5px; font-weight: 800; padding: 5px 10px; border-radius: 20px; }
.hx-badge.is-central { color: var(--hx-blue); background: var(--hx-sky); }
.hx-badge.is-state { color: #8a6514; background: var(--hx-gold-l); }
.hx-loan-card h3 { font-size: 19px; font-weight: 800; color: var(--hx-ink); margin: 0 0 8px; }
.hx-loan-card > p { font-size: 14px; color: var(--hx-muted); line-height: 1.6; margin: 0 0 16px; }
.hx-loan-who { display: flex; gap: 8px; padding: 12px; border-radius: 10px; background: var(--hx-bg); font-size: 13px; color: var(--hx-text); line-height: 1.5; margin: auto 0 16px; }
.hx-loan-who i { color: var(--hx-gold); }
.hx-loan-who b { color: var(--hx-ink); }

/* =====================================================================
   GOALS BAND — full width
   ===================================================================== */
.hx-goals { position: relative; overflow: hidden; padding: 90px 0; color: #fff; background: linear-gradient(120deg, var(--hx-navy) 0%, var(--hx-navy-2) 55%, #0b4fbf 100%); }
.hx-goals-bg span { position: absolute; border-radius: 50%; border: 1px solid rgba(255, 255, 255, .12); animation: hx-spin 50s linear infinite; }
.hx-goals-bg span:nth-child(1) { width: 640px; height: 640px; right: -180px; top: -260px; border-color: rgba(217, 184, 102, .3); }
.hx-goals-bg span:nth-child(2) { width: 420px; height: 420px; left: -140px; bottom: -220px; animation-direction: reverse; }
.hx-goals::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255, 255, 255, .05) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .05) 1px, transparent 1px); background-size: 60px 60px; mask-image: linear-gradient(90deg, transparent, #000 40%, #000 60%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 40%, #000 60%, transparent); }
.hx-goals-inner { position: relative; display: grid; grid-template-columns: 1.4fr 1fr; gap: 48px; align-items: center; }
.hx-goals h2 { color: #fff; }
.hx-goals p { color: rgba(255, 255, 255, .78); font-size: 17px; line-height: 1.7; margin: 0; max-width: 640px; }
.hx-goals-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: flex-end; }
.hx-goals-contact { flex-basis: 100%; display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 8px 22px; margin-top: 8px; }
.hx-goals-contact a { color: rgba(255, 255, 255, .85); font-weight: 600; font-size: 15px; }
.hx-goals-contact a:hover { color: var(--hx-gold-2); }
.hx-goals-contact i { color: var(--hx-gold-2); margin-right: 6px; }

/* =====================================================================
   FAQ — one open at a time, all closed by default
   ===================================================================== */
.hx-faq { background: #fff; }
.hx-faq-inner { display: grid; grid-template-columns: 380px 1fr; gap: 56px; align-items: start; }
.hx-faq-intro { position: sticky; top: 130px; }
.hx-faq-intro p { margin-bottom: 26px !important; }
.hx-faq-help { display: grid; grid-template-columns: 48px 1fr; gap: 14px; align-items: center; padding: 22px; border-radius: var(--hx-r); background: var(--hx-bg); border: 1px solid var(--hx-line); }
.hx-faq-help-icon { width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; font-size: 21px; color: #fff; background: linear-gradient(135deg, var(--hx-blue), var(--hx-navy-2)); }
.hx-faq-help strong { display: block; color: var(--hx-ink); }
.hx-faq-help small { color: var(--hx-muted); font-size: 13px; }
.hx-faq-help .hx-btn { grid-column: 1 / -1; }
.hx-faq-list { display: grid; gap: 12px; }
.hx-faq-item { border-radius: var(--hx-r); overflow: hidden; border: 1px solid var(--hx-line); background: #fff; transition: box-shadow .3s, border-color .3s; }
.hx-faq-q {
    width: 100%; display: grid; grid-template-columns: 40px 1fr 30px; gap: 14px; align-items: center; text-align: left;
    padding: 18px 22px; border: 0; cursor: pointer; font: inherit;
    background: #f1f6ff; color: var(--hx-ink); transition: background .3s, color .3s;
}
.hx-faq-q:hover { background: #e6efff; }
.hx-faq-no { font-size: 13px; font-weight: 800; color: var(--hx-gold); }
.hx-faq-text { font-size: 16.5px; font-weight: 700; line-height: 1.45; }
.hx-faq-sign { position: relative; width: 30px; height: 30px; border-radius: 50%; background: #fff; box-shadow: var(--hx-shadow-sm); transition: transform .35s, background .3s; }
.hx-faq-sign::before, .hx-faq-sign::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; margin: -1px 0 0 -6px; background: var(--hx-blue); border-radius: 2px; transition: transform .35s; }
.hx-faq-sign::after { transform: rotate(90deg); }
.hx-faq-item.open { border-color: transparent; box-shadow: var(--hx-shadow); }
.hx-faq-item.open .hx-faq-q { background: linear-gradient(135deg, var(--hx-navy), var(--hx-navy-2)); color: #fff; }
.hx-faq-item.open .hx-faq-no { color: var(--hx-gold-2); }
.hx-faq-item.open .hx-faq-sign { transform: rotate(180deg); background: var(--hx-gold-2); }
.hx-faq-item.open .hx-faq-sign::before { background: var(--hx-navy); }
.hx-faq-item.open .hx-faq-sign::after { transform: rotate(0deg); background: var(--hx-navy); }
.hx-faq-a { overflow: hidden; transition: height .35s ease; }
.hx-faq-a p { margin: 0; padding: 20px 22px 22px 76px; font-size: 15.5px; line-height: 1.75; color: var(--hx-text); }

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 1199px) {
    .hx-hero-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
    .hx-chip-2 { left: -2%; }
    .hx-exp-card, .hx-exp-card:nth-child(n+5) { grid-column: span 6; }
    .hx-exp-card:nth-child(7) { grid-column: 4 / span 6; }
    .hx-way-steps { grid-template-columns: repeat(3, 1fr); row-gap: 40px; }
    .hx-way-steps::before { display: none; }
    .hx-compliance-inner, .hx-faq-inner { grid-template-columns: 320px 1fr; gap: 40px; }
    .hx-compliance-grid { grid-template-columns: repeat(2, 1fr); }
    .hx-expert-panel { grid-template-columns: 1fr; padding: 48px; }
    .hx-loan-grid { grid-template-columns: repeat(2, 1fr); }
    .hx-finder-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 991px) {
    .hx-section { padding: 76px 0; }
    .hx-hero { padding: 130px 0 70px; }
    .hx-hero-inner { grid-template-columns: 1fr; }
    .hx-hero-content { text-align: center; }
    .hx-hero-lead { margin-left: auto; margin-right: auto; }
    .hx-hero-actions, .hx-hero-tags { justify-content: center; }
    .hx-hero-visual { min-height: 500px; }
    .hx-head-split, .hx-compliance-inner, .hx-why-inner, .hx-faq-inner, .hx-goals-inner { grid-template-columns: 1fr; gap: 30px; }
    .hx-compliance-intro, .hx-faq-intro { position: static; }
    .hx-goals-actions, .hx-goals-contact { justify-content: flex-start; }
    .hx-why-card:nth-child(2), .hx-why-card:nth-child(4), .hx-why-card.is-in:nth-child(2), .hx-why-card.is-in:nth-child(4) { transform: none; }
}
@media (max-width: 767px) {
    .hx-wrap { width: calc(100% - 32px); }
    .hx-section { padding: 60px 0; }
    .hx-head { margin-bottom: 32px; }
    .hx-hero { padding: 116px 0 56px; }
    .hx-hero-content h1 { font-size: clamp(34px, 9vw, 42px); }
    .hx-hero-lead { font-size: 16px; }
    .hx-hero-actions .hx-btn { flex: 1 1 100%; }
    .hx-hero-tags a { padding: 8px 13px; font-size: 13px; }
    .hx-hero-visual { min-height: 0; padding: 30px 0 10px; }
    .hx-orbit-1 { width: 360px; height: 360px; } .hx-orbit-2 { width: 270px; height: 270px; }
    .hx-chip { display: none; }
    .hx-dash { padding: 18px; }
    .hx-dash-score { grid-template-columns: 96px 1fr; }
    .hx-ring { width: 96px; height: 96px; }
    .hx-exp-grid { grid-template-columns: 1fr; gap: 16px; }
    .hx-exp-card, .hx-exp-card:nth-child(n+5), .hx-exp-card:nth-child(7) { grid-column: auto; }
    .hx-way-steps { grid-template-columns: 1fr 1fr; gap: 30px 14px; }
    .hx-compliance-grid, .hx-why-grid, .hx-loan-grid, .hx-finder-grid, .hx-expert-cards { grid-template-columns: 1fr; }
    .hx-comp-tile { min-height: 0; }
    .hx-expert-panel { padding: 34px 22px; border-radius: 16px; }
    .hx-finder-tabs { flex-wrap: nowrap; overflow-x: auto; justify-content: flex-start; width: 100%; scrollbar-width: none; }
    .hx-finder-tabs::-webkit-scrollbar { display: none; }
    .hx-finder-tabs button { flex: 0 0 auto; }
    .hx-goals { padding: 64px 0; }
    .hx-goals-actions .hx-btn { flex: 1 1 100%; }
    .hx-faq-q { grid-template-columns: 28px 1fr 30px; gap: 10px; padding: 16px; }
    .hx-faq-text { font-size: 15.5px; }
    .hx-faq-a p { padding: 16px 16px 18px; }
}
@media (prefers-reduced-motion: reduce) {
    .hx-hero *, .hx-section *, .hx-goals * { animation: none !important; transition: none !important; }
    .hx-reveal, .hx-rise, .hx-hero-tags li, .hx-dash-row { opacity: 1 !important; transform: none !important; }
    .hx-ring .hx-ring-bar { stroke-dashoffset: calc(327 - 327 * var(--p) / 100); }
    .hx-dash-bars i::after { width: var(--w); }
}

/* ---------- phone: keep the page compact ---------- */
@media (max-width: 767px) {
    .hx-exp-card li:nth-child(n+4) { display: none; }
    .hx-exp-card { padding: 22px 20px 20px; }
    .hx-compliance-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
    .hx-comp-tile { padding: 14px 14px 12px; }
    .hx-comp-tile small { display: none; }
    .hx-comp-tile strong { font-size: 14px; padding-right: 16px; }
    .hx-comp-tile > i { top: 12px; right: 10px; font-size: 13px; }
    .hx-loan-grid { display: flex; overflow-x: auto; scroll-snap-type: x mandatory; gap: 14px; margin: 0 -16px; padding: 4px 16px 18px; scrollbar-width: none; }
    .hx-loan-grid::-webkit-scrollbar { display: none; }
    .hx-loan-card { flex: 0 0 82%; scroll-snap-align: start; }
    .hx-why-grid { gap: 12px; }
    .hx-why-card { padding: 22px 20px; }
    .hx-way-steps p { font-size: 13px; }
}

/* ---------- hero refinements (round 2) ---------- */
.hx-hero-lead { font-size: 16px; }
.hx-hero-tags { flex-wrap: nowrap; gap: 6px; margin-bottom: 0; }
.hx-hero-tags a { padding: 7px 11px; gap: 6px; font-size: 12.5px; border-width: 1px; white-space: nowrap; }
.hx-hero-tags a i { font-size: 13px; }
@media (max-width: 1199px) {
    .hx-hero-tags { flex-wrap: wrap; }
}

/* keep the floating hero chips inside the screen on tablets */
@media (max-width: 1100px) { .hx-chip-3 { right: 8px !important; } }

/* Home FAQ — same look as the inner-page FAQs (coloured question bars, navy when open) */
body .hx-faq .hx-faq-item.hx-faq-item { margin: 0 0 10px !important; padding: 0 !important; overflow: hidden; background: #fff !important; border: 1px solid #d4dce8 !important; border-radius: 10px !important; box-shadow: 0 10px 24px -22px rgba(10, 26, 68, .45) !important; }
body .hx-faq .hx-faq-item.hx-faq-item.open { border-color: rgba(10, 26, 68, .35) !important; box-shadow: 0 18px 36px -24px rgba(10, 26, 68, .55) !important; }
body .hx-faq .hx-faq-q.hx-faq-q {
    width: 100%; display: flex !important; align-items: center; gap: 14px; margin: 0 !important; padding: 15px 18px 15px 16px !important; text-align: left; cursor: pointer;
    background: #eef4ff !important; border: 0 !important; border-left: 4px solid #b9cdf0 !important; border-radius: 0 !important; color: var(--hx-ink, #0a1a44) !important; transition: background .25s, color .25s;
}
body .hx-faq .hx-faq-q.hx-faq-q:hover { background: #e2ecff !important; border-left-color: #0b5ed7 !important; }
body .hx-faq .hx-faq-no { flex: 0 0 auto; font-size: 12px !important; font-weight: 800 !important; color: #0b5ed7 !important; background: #fff !important; border: 1px solid #d7e5ff !important; border-radius: 6px !important; padding: 4px 8px !important; }
body .hx-faq .hx-faq-text { flex: 1; font-size: 15.5px !important; font-weight: 700 !important; line-height: 1.45 !important; color: inherit !important; }
body .hx-faq .hx-faq-sign { flex: 0 0 30px; width: 30px !important; height: 30px !important; border-radius: 50% !important; background: #0a1a44 !important; position: relative; }
body .hx-faq .hx-faq-sign::before, body .hx-faq .hx-faq-sign::after { content: "" !important; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; background: #fff !important; transform: translate(-50%, -50%); transition: transform .25s; }
body .hx-faq .hx-faq-sign::after { transform: translate(-50%, -50%) rotate(90deg); }
body .hx-faq .hx-faq-item.open .hx-faq-q.hx-faq-q { color: #fff !important; border-left-color: #b8913a !important; background: radial-gradient(circle at 100% 0%, rgba(47, 124, 246, .35), transparent 55%), linear-gradient(135deg, #0a1a44, #12286b) !important; }
body .hx-faq .hx-faq-item.open .hx-faq-no { color: #0a1a44 !important; background: #e6c97d !important; border-color: #e6c97d !important; }
body .hx-faq .hx-faq-item.open .hx-faq-sign { background: linear-gradient(135deg, #e6c97d, #b8913a) !important; }
body .hx-faq .hx-faq-item.open .hx-faq-sign::before, body .hx-faq .hx-faq-item.open .hx-faq-sign::after { background: #0a1a44 !important; }
body .hx-faq .hx-faq-item.open .hx-faq-sign::after { transform: translate(-50%, -50%) rotate(0deg); }
body .hx-faq .hx-faq-a { background: #fff !important; border-left: 4px solid #b8913a; }
body .hx-faq .hx-faq-a p { margin: 0 !important; padding: 16px 22px 18px 20px !important; font-size: 14.5px !important; line-height: 1.7 !important; color: #33415c !important; }
@media (max-width: 767px) {
    body .hx-faq .hx-faq-q.hx-faq-q { padding: 13px 14px !important; gap: 10px; }
    body .hx-faq .hx-faq-text { font-size: 14.5px !important; }
}

/* Home FAQ — centred: heading on top, questions in one column, help card below */
body .hx-faq .hx-faq-inner.hx-faq-inner { display: flex !important; flex-direction: column !important; align-items: center !important; gap: 14px !important; grid-template-columns: none !important; }
body .hx-faq .hx-faq-intro.hx-faq-intro { display: contents !important; }
body .hx-faq .hx-faq-intro > :is(.hx-kicker, h2, p) { text-align: center !important; max-width: 760px; margin-left: auto !important; margin-right: auto !important; }
body .hx-faq .hx-faq-intro > .hx-kicker { justify-content: center; }
body .hx-faq .hx-faq-intro > p { margin-bottom: 16px !important; }
body .hx-faq .hx-faq-list.hx-faq-list { order: 5; width: 100%; max-width: 900px; margin: 0 auto !important; }
body .hx-faq .hx-faq-help.hx-faq-help { order: 6; width: 100%; max-width: 900px; margin: 10px auto 0 !important; display: flex !important; align-items: center; gap: 16px; text-align: left; }
body .hx-faq .hx-faq-help > div { flex: 1; }
@media (max-width: 767px) {
    body .hx-faq .hx-faq-help.hx-faq-help { flex-wrap: wrap; }
    body .hx-faq .hx-faq-help .hx-btn { width: 100%; justify-content: center; }
}