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

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

    body {
        font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
        background: #F5F7FA;
        color: #444444;
        overflow-x: hidden;
        margin: 0;
        font-size: 15px;
        line-height: 1.75;
        -webkit-font-smoothing: antialiased;
    }

    a { transition: color 0.3s, opacity 0.3s, background 0.3s, border-color 0.3s; }
    img { max-width: 100%; height: auto; }
    h1, h2, h3, h4, h5, h6 { color: #0B1F3B; margin: 0; font-weight: 700; }

    /* --- Top Bar --- */
    .top-bar {
        background: #0B1F3B;
        color: #FFFFFF;
        font-size: 13px;
        padding: 10px 0;
        border-bottom: 2px solid #0A6E5C;
    }
    .top-bar a { color: #FFFFFF; text-decoration: none; font-weight: 500; }
    .top-bar a:hover { color: #E8C36A; }
    .top-left {
        display: flex;
        align-items: center;
        gap: 24px;
        flex-wrap: wrap;
    }
    .top-left span {
        display: inline-flex;
        align-items: center;
        gap: 8px;
    }
    .top-left span i { color: #D4A843; font-size: 13px; }
    .top-right {
        display: flex;
        align-items: center;
        gap: 8px;
    }
    .top-right a {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        width: 30px;
        height: 30px;
        border-radius: 50%;
        background: rgba(255,255,255,0.08);
        color: #FFFFFF;
        font-size: 12px;
    }
    .top-right a:hover { background: #D4A843; color: #0B1F3B; }
    .top-right .wa-btn { background: #0A6E5C !important; color: #FFFFFF !important; }
    .top-right .wa-btn:hover { background: #D4A843 !important; color: #0B1F3B !important; }

    /* --- Main Header --- */
    .main-header {
        background: #FFFFFF;
        border-bottom: 1px solid #E8C36A;
        position: sticky;
        top: 0;
        z-index: 1000;
      
    }
    .header-inner {
        display: flex;
        align-items: center;
        justify-content: space-between;
        padding: 0;
        
    }
   

.marquee-text {
    display: inline-block;
    white-space: nowrap;
    font-weight: 700;
    font-size: 18px;

    /* Ghana-inspired vibrant colors */
    background: linear-gradient(90deg, red, gold, green, gold, red);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;

    /* animation */
    animation: moveLeft 12s linear infinite, blink 1.2s ease-in-out infinite;
    text-shadow: 0 0 10px rgba(255, 215, 0, 0.4);
}

/* Horizontal movement */
@keyframes moveLeft {
    0% {
        transform: translateX(100%);
    }
    100% {
        transform: translateX(-100%);
    }
}

/* Blinking effect */
@keyframes blink {
    0%, 100% {
        opacity: 1;
    }
    50% {
        opacity: 0.4;
    }
}

/* Optional: keeps it aligned nicely in header */
.logo {
    overflow: hidden;
    max-width: 270px; /* adjust if needed */
}



    /* --- Navigation: Desktop --- */
    .main-nav ul {
        list-style: none;
        margin: 0;
        padding: 0;
        display: flex;
        align-items: center;
    }
    .main-nav > ul > li { position: relative; }
    .main-nav > ul > li > a {
        display: flex;
        align-items: center;
        gap: 6px;
        padding: 10px 20px;
        color: #0B1F3B;
        text-decoration: none;
        font-size: 14px;
        font-weight: 600;
        text-transform: uppercase;
        letter-spacing: 0.6px;
    }
    .main-nav > ul > li > a:hover,
    .main-nav > ul > li.active > a { color: #D4A843; }
    .main-nav .fa-chevron-down {
        font-size: 9px;
        transition: transform 0.3s;
    }
    .main-nav > ul > li:hover > a .fa-chevron-down { transform: rotate(180deg); }

    /* --- Desktop dropdown (vertical) --- */
    .main-nav .nav-dropdown {
        position: absolute;
        top: 100%;
        left: 0;
        background: #FFFFFF;
        min-width: 280px;
        box-shadow: 0 12px 40px rgba(11,31,59,0.1);
        border: 1px solid #F5F7FA;
        border-top: 3px solid #D4A843;
        border-radius: 0 0 8px 8px;
        opacity: 0;
        visibility: hidden;
        transform: translateY(8px);
        transition: all 0.3s ease;
        z-index: 100;
        padding: 8px 0;
        list-style: none;
        margin: 0;
        display: block;
        flex-direction: column;
    }
    .main-nav .nav-dropdown li {
        display: block;
        width: 100%;
    }
    .main-nav > ul > li:hover > .nav-dropdown,
    .main-nav > ul > li:focus-within > .nav-dropdown {
        opacity: 1;
        visibility: visible;
        transform: translateY(0);
    }
    .nav-dropdown li a {
        display: flex;
        align-items: center;
        gap: 12px;
        padding: 12px 22px;
        color: #444444;
        text-decoration: none;
        font-size: 13px;
        font-weight: 500;
        text-transform: none;
        letter-spacing: 0;
        transition: all 0.3s;
        white-space: nowrap;
    }
    .nav-dropdown li a:hover {
        background: #F5F7FA;
        color: #0B1F3B;
        padding-left: 26px;
    }
    .nav-dropdown li a i {
        width: 18px;
        text-align: center;
        color: #0A6E5C;
        font-size: 14px;
        flex-shrink: 0;
    }

    /* --- Mobile Toggle Button --- */
    .mobile-toggle {
        display: none;
        background: none;
        border: none;
        cursor: pointer;
        padding: 8px;
        flex-direction: column;
        gap: 5px;
    }
    .mobile-toggle span {
        display: block;
        width: 24px;
        height: 2.5px;
        background: #0B1F3B;
        border-radius: 2px;
        transition: all 0.3s;
        transform-origin: center;
    }
    .mobile-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
    .mobile-toggle.active span:nth-child(2) { opacity: 0; }
    .mobile-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

    /* --- Mobile Overlay --- */
    .nav-overlay {
        display: none;
        position: fixed;
        inset: 0;
        background: rgba(11,31,59,0.5);
        z-index: 1998;
        transition: opacity 0.3s;
    }
    .nav-overlay.active { display: block; }

    /* --- Hero Section --- */
    .hero {
  
        position: relative;
        min-height: 420px;
        display: flex;
        align-items: center;
        background: #0B1F3B;
        overflow: hidden;
    }
    .hero-accent {
        position: absolute;
        top: 0;
        right: 0;
        width: 45%;
        height: 100%;
        background: linear-gradient(135deg, rgba(10,110,92,0.15), rgba(8,90,75,0.05));
        clip-path: polygon(15% 0, 100% 0, 100% 100%, 0% 100%);
    }
    .hero-gold-line {
        position: absolute;
        bottom: 0;
        left: 0;
        right: 0;
        height: 4px;
        background: #D4A843;
    }
    .hero-content {
        position: relative;
        z-index: 2;
        padding: 40px 0 50px;
    }
    .hero-badge {
        display: inline-block;
        background: rgba(212,168,67,0.12);
        border: 1px solid rgba(212,168,67,0.35);
        color: #E8C36A;
        padding: 7px 20px;
        border-radius: 50px;
        font-size: 11px;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 2px;
        margin-bottom: 24px;
    }
    .hero-content h1 {
        color: #FFFFFF;
        font-size: 48px;
        font-weight: 800;
        line-height: 1.15;
        margin: 0 0 22px;
    }
    .hero-content h1 span { color: #E8C36A; }
    .hero-content p {
        color: #FFFFFF;
        font-size: 16px;
        line-height: 1.8;
        margin: 0 0 36px;
        max-width: 540px;
    }
    .hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }

    .btn-gold {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        background: linear-gradient(135deg, #D4A843, #E8C36A);
        color: #0B1F3B;
        padding: 15px 36px;
        border-radius: 4px;
        text-decoration: none;
        font-weight: 700;
        font-size: 14px;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        transition: all 0.3s;
    }
    .btn-gold:hover {
        background: linear-gradient(135deg, #c49938, #D4A843);
        color: #0B1F3B;
        transform: translateY(-2px);
        box-shadow: 0 8px 24px rgba(212,168,67,0.4);
    }

    .btn-teal {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        background: transparent;
        color: #0A6E5C;
        padding: 15px 36px;
        border-radius: 4px;
        text-decoration: none;
        font-weight: 700;
        font-size: 14px;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        border: 1.5px solid #0A6E5C;
        transition: all 0.3s;
    }
    .btn-teal:hover {
        background: linear-gradient(135deg, #085A4B, #0A6E5C);
        color: #FFFFFF;
        border-color: #085A4B;
        transform: translateY(-2px);
        box-shadow: 0 8px 24px rgba(10,110,92,0.3);
    }

    /* --- Section Common --- */
    .section-padding { padding: 40px 0; }
    .section-header { text-align: center; margin-bottom: 55px; }
    .section-label {
        display: inline-block;
        color: #D4A843;
        font-size: 11px;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 3px;
        margin-bottom: 12px;
    }
    .section-header h2 {
        font-size: 36px;
        font-weight: 800;
        color: #0B1F3B;
        margin: 0 0 14px;
        line-height: 1.2;
    }
    .section-header p {
        color: #444444;
        font-size: 15px;
        max-width: 580px;
        margin: 0 auto;
        line-height: 1.8;
    }
    .section-divider {
        width: 50px;
        height: 3px;
        background: #D4A843;
        margin: 18px auto 0;
    }

    /* --- Services --- */
    .services-section { background: #F5F7FA; }
    .service-card {
        background: #FFFFFF;
        border-radius: 6px;
        padding: 44px 30px 38px;
        text-align: center;
        border: 1px solid #E8C36A;
        height: 100%;
        position: relative;
        overflow: hidden;
        transition: all 0.4s ease;
    }
    .service-card::before {
        content: '';
        position: absolute;
        top: 0; left: 0; right: 0;
        height: 3px;
        background: linear-gradient(90deg, #D4A843, #E8C36A);
        transform: scaleX(0);
        transition: transform 0.4s ease;
    }
    .service-card:hover::before { transform: scaleX(1); }
    .service-card:hover {
        transform: translateY(-6px);
        box-shadow: 0 16px 48px rgba(11,31,59,0.08);
        border-color: #D4A843;
    }
    .service-icon {
        width: 76px;
        height: 76px;
        border-radius: 50%;
        background: rgba(10,110,92,0.06);
        border: 1.5px solid #0A6E5C;
        display: flex;
        align-items: center;
        justify-content: center;
        margin: 0 auto 26px;
        font-size: 28px;
        color: #0A6E5C;
        transition: all 0.4s;
    }
    .service-card:hover .service-icon {
        background: #0A6E5C;
        color: #FFFFFF;
        border-color: #0A6E5C;
    }
    .service-card h3 {
        font-size: 19px;
        font-weight: 700;
        color: #0B1F3B;
        margin: 0 0 14px;
    }
    .service-card p {
        color: #444444;
        font-size: 14px;
        line-height: 1.8;
        margin: 0 0 22px;
    }
    .learn-more {
        color: #D4A843;
        font-weight: 600;
        font-size: 13px;
        text-decoration: none;
        display: inline-flex;
        align-items: center;
        gap: 6px;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        transition: gap 0.3s, color 0.3s;
    }
    .learn-more:hover { gap: 10px; color: #0B1F3B; }

    /* =============================================
       PAYMENT CTA SECTION (links to external page)
       ============================================= */
    .payment-cta-section {
        background: #FFFFFF;
    }

    .payment-cta-box {
        background: #0B1F3B;
        border-radius: 6px;
        padding: 60px 40px;
        text-align: center;
        color: #FFFFFF;
        position: relative;
        overflow: hidden;
        border: 1px solid #0A6E5C;
    }

    .payment-cta-box::after {
        content: '';
        position: absolute;
        bottom: 0;
        left: 0;
        right: 0;
        height: 3px;
        background: #D4A843;
    }

    .payment-cta-box h2 {
        font-size: 30px;
        font-weight: 800;
        margin: 0 0 14px;
        color: #FFFFFF;
        position: relative;
    }

    .payment-cta-box p {
        font-size: 15px;
        color: #FFFFFF;
        margin: 0 auto 32px;
        max-width: 520px;
        position: relative;
        line-height: 1.8;
    }

    .payment-cta-icon {
        width: 70px;
        height: 70px;
        border-radius: 50%;
        background: rgba(212,168,67,0.1);
        border: 2px solid #D4A843;
        display: flex;
        align-items: center;
        justify-content: center;
        margin: 0 auto 22px;
        font-size: 26px;
        color: #E8C36A;
        position: relative;
    }

    /* --- Stats --- */
    .stats-section {
        background: #085A4B;
        color: #FFFFFF;
        position: relative;
    }
    .stats-section::after {
        content: '';
        position: absolute;
        bottom: 0; left: 0; right: 0;
        height: 3px;
        background: #D4A843;
    }
    .stat-item { text-align: center; padding: 30px 15px; }
    .stat-number {
        font-size: 48px;
        font-weight: 800;
        color: #E8C36A;
        line-height: 1;
        margin-bottom: 8px;
    }
    .stat-label {
        font-size: 12px;
        color: #FFFFFF;
        text-transform: uppercase;
        letter-spacing: 2px;
        font-weight: 600;
    }

    /* --- Why Choose Us --- */
    .trust-icon {
        width: 64px;
        height: 64px;
        border-radius: 50%;
        background: rgba(212,168,67,0.06);
        border: 1.5px solid #D4A843;
        display: flex;
        align-items: center;
        justify-content: center;
        margin: 0 auto 22px;
        font-size: 22px;
        color: #D4A843;
        transition: all 0.3s;
    }
    .trust-item:hover .trust-icon {
        background: #D4A843;
        color: #0B1F3B;
        border-color: #D4A843;
    }
    .trust-item {
        text-align: center;
        padding: 24px 16px;
        transition: transform 0.3s;
    }
    .trust-item:hover { transform: translateY(-4px); }
    .trust-item h4 {
        font-weight: 700;
        color: #0B1F3B;
        margin-bottom: 10px;
        font-size: 17px;
    }
    .trust-item p {
        color: #444444;
        font-size: 14px;
        line-height: 1.75;
        margin: 0;
    }

    /* --- CTA --- */
    .cta-box {
        background: #0B1F3B;
        border-radius: 6px;
        padding: 60px 40px;
        text-align: center;
        color: #FFFFFF;
        position: relative;
        overflow: hidden;
        border: 1px solid #0A6E5C;
    }
    .cta-box::after {
        content: '';
        position: absolute;
        bottom: 0; left: 0; right: 0;
        height: 3px;
        background: #D4A843;
    }
    .cta-box h2 {
        font-size: 30px;
        font-weight: 800;
        margin: 0 0 14px;
        color: #FFFFFF;
        position: relative;
    }
    .cta-box p {
        font-size: 15px;
        color: #FFFFFF;
        margin: 0 auto 32px;
        max-width: 520px;
        position: relative;
        line-height: 1.8;
    }
    .btn-white-gold {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        background: linear-gradient(135deg, #D4A843, #E8C36A);
        color: #0B1F3B;
        padding: 15px 38px;
        border-radius: 4px;
        text-decoration: none;
        font-weight: 700;
        font-size: 14px;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        transition: all 0.3s;
        position: relative;
    }
    .btn-white-gold:hover {
        background: linear-gradient(135deg, #c49938, #D4A843);
        color: #0B1F3B;
        transform: translateY(-2px);
        box-shadow: 0 8px 24px rgba(212,168,67,0.35);
    }

    /* --- Footer --- */
    .site-footer {
        background: #0B1F3B;
        color: #FFFFFF;
        padding: 60px 0 0;
    }
    .site-footer h5 {
        color: #FFFFFF;
        font-size: 13px;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 2px;
        margin-bottom: 24px;
        padding-bottom: 14px;
        border-bottom: 2px solid #D4A843;
        display: inline-block;
    }
    .site-footer p {
        font-size: 14px;
        line-height: 1.8;
        margin: 0 0 12px;
        color: #FFFFFF;
    }
    .footer-logo img { height: 50px; margin-bottom: 18px; }
    .footer-links {
        list-style: none;
        padding: 0;
        margin: 0;
    }
    .footer-links li { margin-bottom: 10px; }
    .footer-links li a {
        color: #FFFFFF;
        text-decoration: none;
        font-size: 14px;
        display: flex;
        align-items: center;
        gap: 8px;
        transition: color 0.3s;
    }
    .footer-links li a::before {
        content: '\f105';
        font-family: 'FontAwesome';
        font-size: 10px;
        color: #D4A843;
    }
    .footer-links li a:hover { color: #E8C36A; }
    .footer-contact {
        list-style: none;
        padding: 0;
        margin: 0;
    }
    .footer-contact li {
        display: flex;
        align-items: flex-start;
        gap: 12px;
        margin-bottom: 14px;
        font-size: 14px;
        color: #FFFFFF;
    }
    .footer-contact li a { color: #FFFFFF; text-decoration: none; }
    .footer-contact li a:hover { color: #E8C36A; }
    .footer-contact li i {
        color: #D4A843;
        margin-top: 4px;
        width: 16px;
        text-align: center;
        flex-shrink: 0;
    }
    .footer-social {
        display: flex;
        gap: 10px;
        margin-top: 20px;
    }
    .footer-social a {
        width: 36px;
        height: 36px;
        border-radius: 50%;
        background: #085A4B;
        border: 1px solid #0A6E5C;
        display: flex;
        align-items: center;
        justify-content: center;
        color: #FFFFFF;
        font-size: 13px;
        text-decoration: none;
        transition: all 0.3s;
    }
    .footer-social a:hover {
        background: #D4A843;
        border-color: #D4A843;
        color: #0B1F3B;
    }
    .footer-bottom {
        border-top: 1px solid #0A6E5C;
        margin-top: 50px;
        padding: 22px 0;
        text-align: center;
        font-size: 13px;
        color: #FFFFFF;
        background: #085A4B;
    }
    .footer-bottom a { color: #FFFFFF; text-decoration: none; }
    .footer-bottom a:hover { color: #E8C36A; }

    /* --- Go Top --- */
    .go-top {
        position: fixed;
        bottom: 30px;
        right: 30px;
        width: 44px;
        height: 44px;
        background: linear-gradient(135deg, #D4A843, #E8C36A);
        color: #0B1F3B;
        border-radius: 4px;
        display: flex;
        align-items: center;
        justify-content: center;
        text-decoration: none;
        font-size: 16px;
        opacity: 0;
        visibility: hidden;
        transform: translateY(20px);
        transition: all 0.3s;
        z-index: 999;
    }
    .go-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
    .go-top:hover { transform: translateY(-3px); box-shadow: 0 6px 20px rgba(212,168,67,0.4); }

    /* =============================================
       MOBILE NAVIGATION (≤991px)
       ============================================= */
    @media (max-width: 991px) {
        .mobile-toggle { display: flex; }

        /* Slide-in panel */
        .main-nav {
            position: fixed;
            top: 0;
            right: -320px;
            width: 300px;
            height: 100vh;
            background: #FFFFFF;
            box-shadow: -5px 0 30px rgba(11,31,59,0.15);
            z-index: 2000;
            transition: right 0.35s cubic-bezier(0.4, 0, 0.2, 1);
            overflow-y: auto;
            padding: 24px 0 30px;
            touch-action: manipulation;
            -webkit-tap-highlight-color: transparent;
            display: block !important;
        }
        .main-nav.open { right: 0; }

        /* Vertical stack for top-level items */
        .main-nav > ul {
            flex-direction: column;
            align-items: stretch;
        }

        /* Each top-level link spans full width */
        .main-nav > ul > li > a {
            padding: 14px 24px;
            border-bottom: 1px solid #F0F2F5;
            justify-content: flex-start;
            font-size: 13px;
            min-height: 48px;
            display: flex;
            align-items: center;
        }

        /* COMPLETELY hide dropdowns on mobile */
        .main-nav .nav-dropdown {
            display: none !important;
        }

        /* Hide chevron icons on mobile */
        .main-nav > ul > li > a .fa-chevron-down {
            display: none;
        }

        .hero-content h1 { font-size: 34px; }
        .hero { min-height: 500px; }
        .hero-accent { display: none; }
        .section-header h2 { font-size: 28px; }
        .stat-number { font-size: 38px; }
    }

    @media (max-width: 767px) {
        .top-bar { text-align: center; }
        .top-left, .top-right { justify-content: center; }
        .hero-content h1 { font-size: 26px; }
        .hero-content p { font-size: 14px; }
        .hero-btns { flex-direction: column; }
        .btn-gold, .btn-teal { justify-content: center; text-align: center; }
        .section-padding { padding: 35px 0; }
        .section-header h2 { font-size: 24px; }
        .cta-box { padding: 35px 22px; }
        .cta-box h2 { font-size: 22px; }
        .stat-number { font-size: 32px; }
        .stat-label { font-size: 10px; letter-spacing: 1.5px; }

        .payment-cta-box {
            padding: 35px 22px;
        }
        .payment-cta-box h2 {
            font-size: 22px;
        }
    }

    /* Shrink controls to prevent nav overflow */
    .main-nav { flex-shrink: 0; }
    .logo { flex-shrink: 0; }
    .mobile-toggle { flex-shrink: 0; }
    /* --- Insight Card Clickable & Fallback Fixes --- */
    a.service-card {
        text-decoration: none;
        color: inherit;
        display: block;
    }
    .insight-img-wrap {
        height: 200px;
        overflow: hidden;
        background: #f5f5f5;
    }
    .insight-img-wrap img {
        width: 100%;
        height: 100%;
        object-fit: cover;
    }

    /* Blinking Fallback Animation */
    .insight-blink {
        width: 100%;
        height: 100%;
        display: flex;
        align-items: center;
        justify-content: center;
        animation: insightBlink 3s infinite linear;
        color: #ffffff;
        font-weight: 800;
        font-size: 28px;
        text-shadow: 2px 2px 4px rgba(0,0,0,0.8);
        letter-spacing: 2px;
    }
    @keyframes insightBlink {
        0%   { background-color: #ff0000; } /* Red */
        16%  { background-color: #000000; } /* Off */
        32%  { background-color: #00ff00; } /* Bright Green */
        48%  { background-color: #000000; } /* Off */
        64%  { background-color: #0000ff; } /* Blue */
        80%  { background-color: #000000; } /* Off */
        100% { background-color: #ff0000; } /* Back to Red */
    }