/* =========================================================
   Finance Zone Point — Stylesheet
   Palette: emerald + charcoal with a touch of gold
   Fonts: Red Hat Display (headings), Red Hat Text (body)
   ========================================================= */
:root {
  --em: #059669;
  --em-2: #047857;
  --em-3: #10b981;
  --em-soft: #ecfdf5;
  --char: #111827;
  --char-2: #1f2937;
  --gold: #fbbf24;
  --mint: #f4fbf8;
  --ink: #111827;
  --text: #4b5563;
  --line: #e5e7eb;
  --white: #ffffff;
  --radius: 22px;
  --shadow: 0 20px 44px rgba(17, 24, 39, .10);
  --shadow-sm: 0 6px 20px rgba(17, 24, 39, .07);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: "Red Hat Text", system-ui, -apple-system, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.75;
  overflow-x: hidden;
}
h1, h2, h3, h4, h5, h6 {
  font-family: "Red Hat Display", "Red Hat Text", sans-serif;
  color: var(--ink);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -.015em;
}
a { color: var(--em-2); text-decoration: none; transition: color .2s; }
a:hover { color: var(--char); }
img { max-width: 100%; display: block; }

.section { padding: 100px 0; }
.section-sm { padding: 70px 0; }
.bg-mint { background: var(--mint); }
.bg-char { background: var(--char); color: rgba(255,255,255,.78); }
.bg-char h2, .bg-char h3, .bg-char h4 { color: var(--white); }

.sec-title { font-size: clamp(1.9rem, 3.4vw, 2.8rem); margin-bottom: 16px; }
.sec-title .hl { background: linear-gradient(transparent 62%, rgba(16,185,129,.3) 62%); padding: 0 4px; }
.sec-intro { max-width: 640px; margin: 0 auto; font-size: 1.07rem; }
.bg-char .sec-intro { color: rgba(255,255,255,.72); }
.bg-char .sec-title .hl { background: linear-gradient(transparent 62%, rgba(251,191,36,.35) 62%); }

/* ---------- Logo ---------- */
.fzp-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: "Red Hat Display", sans-serif;
  font-weight: 900;
  font-size: 1.45rem;
  color: var(--char);
  white-space: nowrap;
}
.fzp-logo:hover { color: var(--char); }
.fzp-logo .mark {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: conic-gradient(var(--em) 0 75%, var(--gold) 75% 100%);
  display: grid; place-items: center;
  position: relative;
}
.fzp-logo .mark::after {
  content: "";
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--white);
}
.fzp-logo.light { color: var(--white); }
.fzp-logo.light .mark::after { background: var(--char); }

/* ---------- Floating capsule header ---------- */
.fzp-header {
  position: sticky;
  top: 0;
  z-index: 1030;
  padding: 14px 0;
  background: transparent;
  transition: padding .25s;
}
.fzp-header .capsule {
  background: var(--white);
  border-radius: 999px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
  padding: 8px 10px 8px 22px;
  transition: box-shadow .25s;
}
.fzp-header.scrolled { padding: 8px 0; }
.fzp-header.scrolled .capsule { box-shadow: 0 14px 36px rgba(17,24,39,.14); }
.fzp-header .navbar { padding: 0; }
.fzp-header .nav-link {
  font-weight: 700;
  color: var(--char-2);
  padding: 9px 16px !important;
  border-radius: 999px;
  transition: background .2s, color .2s;
}
.fzp-header .nav-link:hover { color: var(--em-2); }
.fzp-header .nav-link.active { background: var(--em-soft); color: var(--em-2); }
.navbar-toggler { border: 0; padding: 6px 12px; font-size: 1.6rem; color: var(--char); }
.navbar-toggler:focus { box-shadow: 0 0 0 3px rgba(5,150,105,.25); }

/* ---------- Buttons ---------- */
.btn { font-weight: 700; border-radius: 999px; padding: 13px 28px; transition: all .2s; }
.btn-sm { padding: 9px 20px; font-size: .9rem; }
.btn-em { background: var(--em); color: var(--white); border: 2px solid var(--em); }
.btn-em:hover, .btn-em:focus { background: var(--em-2); border-color: var(--em-2); color: var(--white); }
.btn-char { background: var(--char); color: var(--white); border: 2px solid var(--char); }
.btn-char:hover, .btn-char:focus { background: var(--char-2); border-color: var(--char-2); color: var(--white); }
.btn-gold { background: var(--gold); color: var(--char); border: 2px solid var(--gold); }
.btn-gold:hover, .btn-gold:focus { background: #f59e0b; border-color: #f59e0b; color: var(--char); }
.btn-outline-char { background: transparent; color: var(--char); border: 2px solid var(--char); }
.btn-outline-char:hover { background: var(--char); color: var(--white); }

/* ---------- Hero (centered with wide image) ---------- */
.hero { background: var(--mint); padding: 70px 0 0; position: relative; overflow: hidden; margin-top: -96px; padding-top: 170px; }
.hero::before {
  content: "";
  position: absolute;
  left: 50%; top: -300px;
  transform: translateX(-50%);
  width: 900px; height: 900px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(16,185,129,.16), transparent 65%);
}
.hero .container { position: relative; }
.hero h1 { font-size: clamp(2.4rem, 5.2vw, 4.1rem); max-width: 900px; margin: 0 auto 22px; }
.hero h1 span { color: var(--em); }
.hero .lead { max-width: 640px; margin: 0 auto 34px; font-size: 1.15rem; }
.hero-wide { margin-top: 60px; position: relative; }
.hero-wide img { width: 100%; height: 480px; object-fit: cover; border-radius: var(--radius) var(--radius) 0 0; }
.hero-badges {
  position: absolute;
  left: 50%; bottom: 28px;
  transform: translateX(-50%);
  display: flex; gap: 12px; flex-wrap: wrap; justify-content: center;
  width: calc(100% - 40px);
}
.hero-badges span {
  background: rgba(255,255,255,.95);
  border-radius: 999px;
  padding: 10px 20px;
  font-weight: 700;
  color: var(--char);
  box-shadow: var(--shadow-sm);
  display: inline-flex; align-items: center; gap: 8px;
}
.hero-badges i { color: var(--em); }

/* ---------- Service overlay cards ---------- */
.zone-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  border: 1px solid var(--line);
  transition: transform .25s, box-shadow .25s;
}
.zone-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.zone-card .zc-img { position: relative; height: 240px; }
.zone-card .zc-img img { width: 100%; height: 100%; object-fit: cover; }
.zone-card .zc-img::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 35%, rgba(17,24,39,.85) 100%);
}
.zone-card .zc-title {
  position: absolute;
  left: 22px; right: 22px; bottom: 18px;
  z-index: 1;
  display: flex; align-items: center; gap: 12px;
}
.zone-card .zc-title i {
  flex: 0 0 44px; height: 44px;
  border-radius: 50%;
  background: var(--em);
  color: var(--white);
  display: grid; place-items: center;
  font-size: 1.15rem;
}
.zone-card .zc-title h3 { color: var(--white); font-size: 1.25rem; margin: 0; }
.zone-card .zc-body { padding: 24px 24px 26px; display: flex; flex-direction: column; flex-grow: 1; }
.zone-card p { font-size: .97rem; flex-grow: 1; margin-bottom: 18px; }
.zone-card .btn { align-self: flex-start; }

/* ---------- About ---------- */
.about-frame { position: relative; }
.about-frame img { width: 100%; height: 480px; object-fit: cover; border-radius: var(--radius); }
.about-frame .badge-ring {
  position: absolute;
  right: -18px; top: -18px;
  width: 110px; height: 110px;
  border-radius: 50%;
  background: var(--gold);
  display: grid; place-items: center;
  color: var(--char);
  font-size: 2.4rem;
  box-shadow: var(--shadow);
}
.pill-list { list-style: none; padding: 0; margin: 24px 0 30px; display: flex; flex-wrap: wrap; gap: 10px; }
.pill-list li { background: var(--em-soft); color: var(--em-2); font-weight: 700; padding: 8px 16px; border-radius: 999px; display: inline-flex; align-items: center; gap: 8px; }

/* ---------- Savings goal planner ---------- */
.goal-wrap { background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.goal-in { padding: 42px; }
.goal-in .form-label, .goal-in .range-label label { font-weight: 700; color: var(--ink); }
.range-label { display: flex; justify-content: space-between; align-items: center; margin-bottom: 6px; }
.range-label output { background: var(--em-soft); color: var(--em-2); font-weight: 800; padding: 2px 12px; border-radius: 999px; }
.form-range::-webkit-slider-thumb { background: var(--em); }
.form-range::-moz-range-thumb { background: var(--em); }
.goal-out { background: var(--char); color: rgba(255,255,255,.78); padding: 42px; height: 100%; display: flex; flex-direction: column; justify-content: center; }
.goal-out .big-label { font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; }
.goal-out .big { font-family: "Red Hat Display", sans-serif; font-weight: 900; font-size: 3rem; color: var(--white); line-height: 1.1; margin: 6px 0 22px; }
.goal-out .big small { font-size: 1rem; font-weight: 600; color: rgba(255,255,255,.6); }
.goal-out .pair { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.goal-out .pair div { background: rgba(255,255,255,.06); border-radius: 14px; padding: 14px 16px; }
.goal-out .pair small { display: block; font-size: .82rem; }
.goal-out .pair strong { font-family: "Red Hat Display", sans-serif; font-size: 1.3rem; color: var(--white); }
.goal-out .msg { margin: 20px 0; font-size: .94rem; }

/* ---------- Loan comparison table ---------- */
.compare-wrap { background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.compare { margin: 0; }
.compare th, .compare td { padding: 18px 22px; vertical-align: middle; border-color: var(--line); }
.compare thead th { background: var(--char); color: var(--white); font-family: "Red Hat Display", sans-serif; font-weight: 800; border: 0; }
.compare thead th:first-child { background: var(--char-2); }
.compare tbody th { font-weight: 700; color: var(--ink); background: var(--mint); white-space: nowrap; }
.compare td { color: var(--text); }
.compare td .bi-check-circle-fill { color: var(--em); }
.compare td .bi-dash-circle { color: #9ca3af; }

/* ---------- Process ---------- */
.flow-card { text-align: center; padding: 10px 14px; }
.flow-card .ic {
  width: 84px; height: 84px;
  margin: 0 auto 20px;
  border-radius: 26px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.14);
  display: grid; place-items: center;
  color: var(--gold);
  font-size: 2rem;
  transform: rotate(-4deg);
  transition: transform .3s, background .3s;
}
.flow-card:hover .ic { transform: rotate(0); background: var(--em); color: var(--white); }
.flow-card h4 { font-size: 1.2rem; margin-bottom: 8px; }
.flow-card p { margin: 0; font-size: .96rem; }

/* ---------- Testimonials ---------- */
.say {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px 28px;
  height: 100%;
  border: 1px solid var(--line);
  display: flex; flex-direction: column;
}
.say.feature { background: var(--em); border-color: var(--em); color: rgba(255,255,255,.9); }
.say.feature p, .say.feature h5 { color: var(--white); }
.say.feature .stars { color: var(--gold); }
.say .stars { color: #f59e0b; letter-spacing: 2px; margin-bottom: 14px; }
.say p { color: var(--ink); flex-grow: 1; font-size: 1.02rem; }
.say h5 { font-size: 1.02rem; margin: 0; display: flex; align-items: center; gap: 8px; }
.say h5::before { content: ""; width: 22px; height: 3px; background: currentColor; display: inline-block; border-radius: 3px; opacity: .6; }

/* ---------- Blog ---------- */
.feat-post { display: block; border-radius: var(--radius); overflow: hidden; position: relative; height: 100%; min-height: 460px; }
.feat-post img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .6s; }
.feat-post:hover img { transform: scale(1.04); }
.feat-post::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 30%, rgba(17,24,39,.9) 100%); }
.feat-post .fp-body { position: absolute; left: 30px; right: 30px; bottom: 30px; z-index: 1; color: rgba(255,255,255,.85); }
.feat-post h3 { color: var(--white); font-size: 1.6rem; margin-bottom: 10px; }
.feat-post .go { color: var(--gold); font-weight: 800; }
.mini-post { display: flex; gap: 20px; align-items: center; background: var(--white); border-radius: var(--radius); padding: 16px; border: 1px solid var(--line); transition: box-shadow .25s, transform .25s; }
.mini-post:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.mini-post img { width: 170px; height: 150px; object-fit: cover; border-radius: 16px; flex: 0 0 170px; }
.mini-post h3 { font-size: 1.15rem; margin-bottom: 8px; }
.mini-post h3 a { color: var(--ink); }
.mini-post h3 a:hover { color: var(--em-2); }
.mini-post p { font-size: .94rem; margin-bottom: 8px; }
.go-link { font-weight: 800; color: var(--em-2); display: inline-flex; align-items: center; gap: 6px; }
.go-link:hover { color: var(--char); gap: 10px; }
.post-card { background: var(--white); border-radius: var(--radius); overflow: hidden; height: 100%; display: flex; flex-direction: column; border: 1px solid var(--line); transition: box-shadow .25s, transform .25s; }
.post-card:hover { box-shadow: var(--shadow); transform: translateY(-5px); }
.post-card img { width: 100%; height: 240px; object-fit: cover; }
.post-card .pc-body { padding: 26px; display: flex; flex-direction: column; flex-grow: 1; }
.post-card h3 { font-size: 1.22rem; margin-bottom: 10px; }
.post-card h3 a { color: var(--ink); }
.post-card p { flex-grow: 1; font-size: .97rem; }

/* ---------- FAQ ---------- */
.faq .accordion-item { border: 1px solid var(--line); border-radius: 16px !important; margin-bottom: 12px; overflow: hidden; }
.faq .accordion-button { font-family: "Red Hat Display", sans-serif; font-weight: 800; color: var(--ink); padding: 18px 22px; }
.faq .accordion-button:not(.collapsed) { background: var(--em-soft); color: var(--em-2); box-shadow: none; }
.faq .accordion-button:focus { box-shadow: 0 0 0 3px rgba(5,150,105,.2); }
.faq .accordion-body { padding: 4px 22px 20px; background: var(--em-soft); }

/* ---------- Newsletter band ---------- */
.news-zone {
  background:
    radial-gradient(circle at 10% 20%, rgba(255,255,255,.12) 0 2px, transparent 3px) 0 0 / 26px 26px,
    linear-gradient(120deg, var(--em-2), var(--em));
  padding: 76px 0;
  color: rgba(255,255,255,.88);
}
.news-zone h2 { color: var(--white); font-size: clamp(1.7rem, 3vw, 2.4rem); }
.cta-field { display: flex; gap: 8px; background: var(--white); border-radius: 999px; padding: 6px; max-width: 560px; margin: 0 auto; }
.cta-field .form-control { border: 0; border-radius: 999px; padding: 10px 18px; background: transparent; }
.cta-field .form-control:focus { box-shadow: none; }
.cta-field.is-invalid { box-shadow: 0 0 0 3px var(--gold); }
.news-zone .invalid-feedback { color: #fff3c4; font-weight: 700; }
.news-zone .form-alert { max-width: 560px; margin-left: auto; margin-right: auto; }

/* ---------- Page top ---------- */
.page-top { background: var(--mint); padding: 160px 0 70px; margin-top: -96px; position: relative; overflow: hidden; text-align: center; }
.page-top::before { content: ""; position: absolute; left: 50%; top: -200px; transform: translateX(-50%); width: 700px; height: 700px; border-radius: 50%; background: radial-gradient(circle, rgba(16,185,129,.18), transparent 65%); }
.page-top .container { position: relative; }
.page-top h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); max-width: 860px; margin: 0 auto 10px; }
.page-top p { max-width: 640px; margin: 0 auto; }
.page-top .breadcrumb { justify-content: center; margin: 20px 0 0; }
.page-top .breadcrumb-item, .page-top .breadcrumb-item a { font-weight: 700; color: var(--text); }
.page-top .breadcrumb-item a:hover { color: var(--em-2); }
.page-top .breadcrumb-item.active { color: var(--em-2); }

/* ---------- About page ---------- */
.mvv { background: var(--white); border-radius: var(--radius); padding: 30px 26px; height: 100%; border: 1px solid var(--line); }
.mvv i { font-size: 1.5rem; width: 56px; height: 56px; border-radius: 50%; background: var(--em-soft); color: var(--em-2); display: grid; place-items: center; margin-bottom: 16px; }
.mvv h3 { font-size: 1.2rem; margin-bottom: 8px; }
.about-img { width: 100%; height: 440px; object-fit: cover; border-radius: var(--radius); }
.tick { list-style: none; padding: 0; margin: 20px 0 28px; }
.tick li { display: flex; gap: 12px; margin-bottom: 12px; font-weight: 600; color: var(--ink); }
.tick i { color: var(--em); font-size: 1.2rem; }

/* ---------- Single post ---------- */
.post-hero { width: 100%; height: 440px; object-fit: cover; border-radius: var(--radius); margin-bottom: 36px; }
.post-body p { font-size: 1.07rem; margin-bottom: 20px; }
.post-body h2 { font-size: 1.6rem; margin: 34px 0 14px; }
.zone-note {
  border: 2px dashed var(--em-3);
  background: var(--em-soft);
  border-radius: 16px;
  padding: 22px 24px;
  margin: 28px 0;
  display: flex; gap: 14px;
  color: var(--em-2);
  font-weight: 700;
}
.zone-note i { font-size: 1.4rem; }
.side-card { background: var(--mint); border-radius: var(--radius); padding: 26px; margin-bottom: 26px; }
.side-card h4 { font-size: 1.15rem; margin-bottom: 18px; }
.side-card.dark { background: var(--char); color: rgba(255,255,255,.8); }
.side-card.dark h4 { color: var(--white); }
.side-post { display: flex; gap: 14px; align-items: center; margin-bottom: 16px; }
.side-post:last-child { margin-bottom: 0; }
.side-post img { width: 80px; height: 64px; object-fit: cover; border-radius: 12px; flex: 0 0 80px; }
.side-post a { color: var(--ink); font-weight: 700; font-size: .95rem; line-height: 1.4; }
.side-post a:hover { color: var(--em-2); }
.side-list { list-style: none; padding: 0; margin: 0; }
.side-list li { border-bottom: 1px solid var(--line); }
.side-list li:last-child { border-bottom: 0; }
.side-list a { display: block; padding: 10px 0; color: var(--text); font-weight: 600; }
.side-list a:hover { color: var(--em-2); }
.post-pager { display: flex; justify-content: space-between; border-top: 1px solid var(--line); padding-top: 24px; margin-top: 36px; }

/* ---------- Contact ---------- */
.contact-panel { background: var(--char); color: rgba(255,255,255,.78); border-radius: var(--radius); padding: 40px 34px; height: 100%; }
.contact-panel h2 { color: var(--white); font-size: 1.7rem; margin-bottom: 26px; }
.c-row { display: flex; gap: 16px; margin-bottom: 24px; }
.c-row i { flex: 0 0 48px; height: 48px; border-radius: 50%; background: var(--em); color: var(--white); display: grid; place-items: center; font-size: 1.15rem; }
.c-row h5 { color: var(--white); font-size: 1rem; margin-bottom: 2px; }
.c-row p, .c-row a { margin: 0; color: rgba(255,255,255,.8); word-break: break-word; }
.c-row a:hover { color: var(--gold); }
.form-card { background: var(--white); border-radius: var(--radius); padding: 42px; border: 1px solid var(--line); }
.form-card .form-label, .nl-body .form-label { font-weight: 700; color: var(--ink); font-size: .94rem; }
.form-control, .form-select { border-radius: 14px; padding: 12px 14px; border-color: var(--line); }
.form-control:focus, .form-select:focus { border-color: var(--em); box-shadow: 0 0 0 3px rgba(5,150,105,.15); }
.form-check-input:checked { background-color: var(--em); border-color: var(--em); }
.map-card { border-radius: var(--radius); overflow: hidden; }
.map-card iframe { width: 100%; height: 400px; border: 0; display: block; }
.form-alert { display: none; margin-top: 16px; border-radius: 14px; padding: 12px 16px; font-weight: 600; }
.form-alert.show { display: block; }

/* ---------- Newsletter pages ---------- */
.nl-card { background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.nl-img { height: 100%; min-height: 300px; }
.nl-img img { width: 100%; height: 100%; object-fit: cover; }
.nl-body { padding: 46px; }

/* ---------- Legal ---------- */
.legal h2 { font-size: 1.4rem; margin: 34px 0 12px; }
.legal .updated { display: inline-block; background: var(--em-soft); color: var(--em-2); font-weight: 700; padding: 6px 16px; border-radius: 999px; margin-bottom: 20px; font-size: .9rem; }
.legal ul { padding-left: 20px; }
.legal li { margin-bottom: 6px; }

/* ---------- Footer ---------- */
.fzp-footer { background: var(--char); color: rgba(255,255,255,.7); }
.fzp-footer .ft-main { padding: 80px 0 50px; }
.fzp-footer h5 { color: var(--white); font-size: 1.1rem; margin-bottom: 20px; }
.fzp-footer a { color: rgba(255,255,255,.7); }
.fzp-footer a:hover { color: var(--gold); }
.ft-list { list-style: none; padding: 0; margin: 0; }
.ft-list li { margin-bottom: 10px; }
.ft-contact li { display: flex; gap: 10px; }
.ft-contact i { color: var(--em-3); margin-top: 3px; }
.ft-social { display: flex; gap: 10px; margin-top: 20px; }
.ft-social a { width: 40px; height: 40px; border-radius: 50%; background: rgba(255,255,255,.08); display: grid; place-items: center; }
.ft-social a:hover { background: var(--em); color: var(--white); }
.ft-news .form-control { background: rgba(255,255,255,.07); border-color: rgba(255,255,255,.18); color: var(--white); }
.ft-news .form-control::placeholder { color: rgba(255,255,255,.5); }
.ft-news .invalid-feedback { color: #fca5a5; }
.ft-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 22px 0; font-size: .9rem; }
.ft-bottom a { margin-left: 18px; }
.ft-bottom a:first-child { margin-left: 0; }

/* ---------- Back to top ---------- */
.fzp-top {
  position: fixed;
  right: 22px; bottom: 22px;
  width: 50px; height: 50px;
  border-radius: 50%;
  background: var(--em);
  color: var(--white);
  border: 0;
  font-size: 1.2rem;
  box-shadow: var(--shadow);
  opacity: 0; visibility: hidden;
  transform: translateY(12px);
  transition: all .25s;
  z-index: 1040;
}
.fzp-top.show { opacity: 1; visibility: visible; transform: none; }
.fzp-top:hover { background: var(--char); }

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

/* ---------- Responsive ---------- */
@media (max-width: 991.98px) {
  .section { padding: 76px 0; }
  .fzp-header .capsule { border-radius: 24px; padding: 10px 14px 10px 18px; }
  .fzp-header .navbar-collapse { padding: 12px 0 6px; }
  .hero-wide img { height: 360px; }
  .about-frame img { height: 380px; }
  .about-frame .badge-ring { right: 12px; top: 12px; width: 84px; height: 84px; font-size: 1.8rem; }
  .goal-in, .goal-out { padding: 30px; }
}
@media (max-width: 767.98px) {
  .form-card, .nl-body, .contact-panel { padding: 28px 22px; }
  .post-hero { height: 280px; }
  .ft-bottom a { margin: 0 8px; }
  .nl-img { min-height: 220px; }
  .mini-post { flex-direction: column; align-items: stretch; }
  .mini-post img { width: 100%; flex: none; height: 200px; }
  .hero-badges { position: static; transform: none; width: auto; margin-top: 16px; }
  .hero-wide img { border-radius: var(--radius); }
  .feat-post { min-height: 380px; }
}
@media (max-width: 575.98px) {
  .fzp-logo { font-size: 1.2rem; }
  .fzp-logo .mark { width: 34px; height: 34px; }
  .cta-field { flex-direction: column; border-radius: 18px; }
  .cta-field .btn { width: 100%; }
  .goal-out .big { font-size: 2.4rem; }
  .goal-out .pair { grid-template-columns: 1fr; }
}