/* =====================================================================
   Finoza Capital — Theme Override
   Modern corporate fintech: deep navy + gold.
   Loaded AFTER style.css / responsive.css so these rules win the cascade.
   ===================================================================== */

:root {
    --primary-color: #0A1B33;
    --Secondary-color: #D4A537;
    --tertiary-color: #14335C;
    --fourtiary-color: #0A1B33;
    --text-color: #52607A;
    --title-color: #071224;
    --theme-color: #D4A537;
    --box-bg: #F5F7FA;
    --box-bg2: #FBF5E8;

    --btn-color: #ffffff;
    --btn-border: #0A1B33;
    --btn-bg: #0A1B33;
    --btn-color-hover: #ffffff;
    --btn-border-hover: #D4A537;
    --btn-bg-hover: #D4A537;

    --btn-white-color: #0A1B33;
    --btn-white-border: #0A1B33;
    --btn-white-bg: #ffffff;
    --btn-white-color-hover: #ffffff;
    --btn-white-border-hover: #D4A537;
    --btn-white-bg-hover: #D4A537;

    --new-label-color: #071224;
    --new-label-bg: #D4A537;

    --fz-navy: #0A1B33;
    --fz-navy-dark: #050F1F;
    --fz-navy-light: #14335C;
    --fz-gold: #D4A537;
    --fz-gold-light: #F0CE7A;
    --fz-ink: #071224;
    --fz-muted: #52607A;
    --fz-line: #E3E8F0;
}

body {
    color: var(--fz-muted);
}

/* ---------------------------------------------------------------
   Buttons / gradient text
   --------------------------------------------------------------- */
.theme-btn {
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-light) 100%);
    letter-spacing: 0.2px;
}

.theme-btn::before {
    background-color: rgba(201, 151, 46, 0.35);
}

.theme-btn.style-2 {
    background: transparent;
    border: 2px solid var(--fz-navy);
    color: var(--fz-navy) !important;
}

.theme-btn.style-2 i {
    color: var(--fz-navy);
}

.theme-btn.style-2::before {
    background-color: var(--fz-navy);
}

.theme-btn.style-2:hover {
    color: #fff !important;
}

.theme-btn.style-2:hover i {
    color: #fff;
}

.theme-btn.gold {
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink) !important;
}

.theme-btn.gold i {
    color: var(--fz-ink);
}

/* Alternating section backgrounds — applied dynamically per-section in the
   Blade template so consecutive rendered sections never share a color,
   even when optional sections (partners/founders/testimonials) are absent. */
.fz-section-white {
    background: #fff !important;
}

.fz-section-gray {
    background: var(--box-bg) !important;
}

.section-sub-title .sub-heading {
    color: var(--fz-gold);
}

.section-sub-title .heading-icon {
    color: var(--fz-gold);
}

/* ---------------------------------------------------------------
   Top bar / header
   --------------------------------------------------------------- */
.top-bar {
    background-color: var(--fz-navy-dark);
}

.educate-header-area.style-five {
    box-shadow: 0 2px 20px rgba(11, 42, 74, 0.06);
}

.header-menu ul li a:hover,
.header-menu ul li a.active {
    color: var(--fz-navy) !important;
}

@media (min-width: 992px) {
    .header-menu ul li a {
        padding: 25px 5px;
        font-size: 14.5px;
        font-weight: 700;
    }
}

/* Keep the wide logo lockup from squeezing the nav at narrower desktop widths */
@media (min-width: 992px) and (max-width: 1399px) {
    .header-logo a.fz-logo img {
        height: 60px;
    }
}

.header-menu ul li a:hover:before {
    background-color: var(--fz-gold);
}

/* ---------------------------------------------------------------
   Wordmark logo (used when no logo image is uploaded in admin)
   --------------------------------------------------------------- */
.fz-logo-inner {
    display: flex;
    align-items: center;
    gap: 10px;
}

.fz-logo-mark {
    width: 42px;
    height: 42px;
    border-radius: 11px;
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-light) 100%);
    color: var(--fz-gold-light);
    font-family: "Montserrat", sans-serif;
    font-weight: 800;
    font-size: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.fz-logo-text {
    font-family: "Montserrat", sans-serif;
    font-weight: 600;
    font-size: 20px;
    color: var(--fz-ink);
    line-height: 1.1;
}

.fz-logo-text em {
    display: block;
    font-style: normal;
    font-weight: 600;
    font-size: 12px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--fz-gold);
}

.educate-header-area.inner-style .fz-logo-text,
.footer-logo .fz-logo-text {
    color: #fff;
}

.footer-logo a.fz-logo {
    display: flex !important;
}

/* ---------------------------------------------------------------
   Inner page breadcrumb banner
   --------------------------------------------------------------- */
.breadcumb-area,
.breadcumb-area.two {
    background: linear-gradient(120deg, #EAF0FA 0%, #F7F1E2 100%);
    border-bottom: 1px solid var(--fz-line);
    padding: 55px 0 45px;
}

.breadcumb-title h4 {
    font-family: "Montserrat", sans-serif;
    color: var(--fz-ink);
}

.breadcumb-content ul li a:hover {
    color: var(--fz-gold);
}

/* ---------------------------------------------------------------
   Hero Slider
   --------------------------------------------------------------- */
.fz-hero-slider {
    position: relative;
    overflow: hidden;
}

.fz-hero-slider .hero-slider,
.fz-hero-slider .owl-stage-outer,
.fz-hero-slider .owl-stage,
.fz-hero-slider .owl-item {
    height: 100%;
}

.fz-slide {
    position: relative;
}

.fz-slide-link {
    display: block;
    position: relative;
    width: 100%;
    height: 100%;
}

.fz-slide-link.fz-slide-link-disabled {
    pointer-events: none;
    cursor: default;
}

.fz-slide-link::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(6, 21, 37, 0.85) 0%, rgba(6, 21, 37, 0.4) 45%, rgba(6, 21, 37, 0) 70%);
    pointer-events: none;
    z-index: 1;
}

.fz-slide-img {
    position: relative;
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    z-index: 0;
}

.fz-slide-caption {
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    z-index: 2;
    max-width: 560px;
    color: #fff;
    padding: 0 24px 0 60px;
}

.fz-slide-caption-title {
    font-size: 40px;
    font-weight: 600;
    line-height: 1.2;
    padding-bottom: 18px;
    margin-bottom: 18px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.3);
}

.fz-slide-caption-title-highlight {
    color: var(--fz-gold);
}

.fz-slide-caption-desc {
    font-size: 16px;
    font-weight: 400;
    line-height: 1.6;
    color: rgba(255, 255, 255, 0.85);
    margin: 0;
}

.fz-slide-caption-btn {
    margin-top: 26px;
}

@media (max-width: 767px) {
    .fz-slide-caption { max-width: 90%; padding: 0 16px 0 24px; }
    .fz-slide-caption-title { font-size: 20px; padding-bottom: 10px; margin-bottom: 10px; }
    .fz-slide-caption-desc { font-size: 12px; display: none;}
    .fz-slide-caption-btn { margin-top: 14px; padding: 10px 18px !important; font-size: 13px !important; }
}

/* Nav arrows / dots */
.fz-hero-slider .owl-nav button.owl-prev,
.fz-hero-slider .owl-nav button.owl-next {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: rgba(10, 27, 51, 0.55) !important;
    color: #fff !important;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    transition: background 0.2s ease;
}

.fz-hero-slider .owl-nav button.owl-prev:hover,
.fz-hero-slider .owl-nav button.owl-next:hover {
    background: var(--fz-gold) !important;
}

.fz-hero-slider .owl-nav button.owl-prev { left: 18px; }
.fz-hero-slider .owl-nav button.owl-next { right: 18px; }

.fz-hero-slider .owl-dots {
    position: absolute;
    bottom: 16px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 8px;
}

.fz-hero-slider .owl-dots .owl-dot span {
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.5);
    display: block;
    margin: 0;
}

.fz-hero-slider .owl-dots .owl-dot.active span {
    background: var(--fz-gold);
}

/* ---------------------------------------------------------------
   Agency stats strip
   --------------------------------------------------------------- */
.fz-stats-bar {
    background: var(--fz-navy);
    padding: 50px 0;
}

.fz-hero-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
}

.fz-hero-stats .fz-stat {
    text-align: center;
    padding: 0 20px;
    border-right: 1px solid rgba(255, 255, 255, 0.12);
}

.fz-hero-stats .fz-stat:last-child {
    border-right: 0;
}

.fz-hero-stats .fz-stat h3 {
    color: #fff;
    font-size: 30px;
    font-weight: 600;
    margin-bottom: 4px;
}

.fz-hero-stats .fz-stat h3 span {
    color: var(--fz-gold);
}

.fz-hero-stats .fz-stat p {
    color: rgba(255, 255, 255, 0.6);
    font-size: 13px;
    margin: 0;
    text-transform: uppercase;
    letter-spacing: 0.4px;
}

@media (max-width: 991px) {
    .fz-hero-stats { grid-template-columns: repeat(2, 1fr); row-gap: 24px; }
    .fz-hero-stats .fz-stat:nth-child(2) { border-right: 0; }
    .fz-hero-stats .fz-stat:nth-child(odd) { border-right: 1px solid rgba(255, 255, 255, 0.12); }
}

/* ---------------------------------------------------------------
   Services grid (new)
   --------------------------------------------------------------- */
.fz-services {
    position: relative;
    overflow: hidden;
    padding: 55px 0 60px;
    background: #fff;
}

.fz-services::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -120px;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.12) 0%, rgba(212, 165, 55, 0) 70%);
    z-index: 0;
}

.fz-services::after {
    content: '';
    position: absolute;
    bottom: -140px;
    left: -140px;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(10, 27, 51, 0.06) 0%, rgba(10, 27, 51, 0) 70%);
    z-index: 0;
}

.fz-services .container {
    position: relative;
    z-index: 1;
}

.fz-service-card {
    position: relative;
    overflow: hidden;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 16px;
    padding: 26px 24px 22px;
    height: 100%;
    box-shadow: 0 8px 24px rgba(11, 42, 74, 0.05);
    transition: all 0.3s ease;
}

.fz-service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--fz-navy) 0%, var(--fz-gold) 100%);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.35s ease;
}

.fz-service-card:hover {
    border-color: transparent;
    box-shadow: 0 20px 45px rgba(11, 42, 74, 0.14);
}

.fz-service-card:hover::before {
    transform: scaleX(1);
}

/* Per-card hover background photo (Capital Karo style reveal) */
.fz-service-card-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
    background-size: cover;
    background-position: left center;
    clip-path: inset(0 100% 0 0);
    transition: clip-path 0.5s ease;
}

.fz-service-card-bg::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(10, 27, 51, 0.9) 0%, rgba(10, 27, 51, 0.7) 100%);
}

.fz-service-card.has-bg-image:hover .fz-service-card-bg {
    clip-path: inset(0 0 0 0);
}

.fz-service-card .fz-service-index,
.fz-service-card-top,
.fz-service-card .fz-explore {
    position: relative;
    z-index: 1;
}

.fz-service-card .fz-service-index {
    position: absolute;
    top: 22px;
    right: 26px;
    font-size: 32px;
    font-weight: 800;
    color: var(--box-bg);
    line-height: 1;
    transition: color 0.3s ease;
}

.fz-service-card:hover .fz-service-index {
    color: var(--fz-line);
}

.fz-service-card.has-bg-image:hover .fz-service-index {
    color: rgba(255, 255, 255, 0.3);
}

.fz-service-card-top {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 14px;
}

.fz-service-card .fz-ico {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    background: linear-gradient(135deg, rgba(11, 42, 74, 0.08), rgba(201, 151, 46, 0.12));
    color: var(--fz-navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    flex-shrink: 0;
    transition: all 0.3s ease;
}

.fz-service-card:hover .fz-ico {
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
    transform: rotate(-6deg) scale(1.05);
}

.fz-service-card.has-bg-image:hover .fz-ico {
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
}

.fz-service-card-body {
    min-width: 0;
}

.fz-service-card h4 {
    font-size: 18px;
    font-weight: 600;
    color: var(--fz-ink);
    margin-bottom: 6px;
    transition: color 0.3s ease;
}

.fz-service-card p {
    font-size: 14px;
    color: var(--fz-muted);
    margin: 0;
    line-height: 1.6;
    transition: color 0.3s ease;
}

.fz-service-card.has-bg-image:hover h4 {
    color: #fff;
}

.fz-service-card.has-bg-image:hover p {
    color: rgba(255, 255, 255, 0.8);
}

.fz-service-card .fz-explore {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 14px;
    padding-top: 12px;
    border-top: 1px solid var(--fz-line);
    font-size: 13px;
    font-weight: 600;
    color: var(--fz-navy);
    transition: all 0.3s ease;
}

.fz-service-card:hover .fz-explore {
    color: var(--fz-gold);
    gap: 12px;
}

.fz-service-card.has-bg-image:hover .fz-explore {
    color: var(--fz-gold-light);
    border-top-color: rgba(255, 255, 255, 0.2);
}

/* "Explore all services" tile — closes out the homepage grid, always visible */
.fz-service-card--cta {
    background: linear-gradient(145deg, var(--fz-navy) 0%, var(--fz-navy-dark) 100%);
    border-color: transparent;
    box-shadow: 0 8px 24px rgba(11, 42, 74, 0.18);
}

.fz-service-card--cta .fz-ico {
    background: rgba(212, 165, 55, 0.16);
    color: var(--fz-gold-light);
}

.fz-service-card--cta:hover .fz-ico {
    background: var(--fz-gold);
    color: var(--fz-navy-dark);
    transform: rotate(-6deg) scale(1.05);
}

.fz-service-card--cta h4 {
    color: #fff;
}

.fz-service-card--cta p {
    color: rgba(255, 255, 255, 0.65);
}

.fz-service-card--cta .fz-explore {
    color: var(--fz-gold-light);
    border-top-color: rgba(255, 255, 255, 0.14);
}

.fz-service-card--cta:hover {
    box-shadow: 0 20px 45px rgba(11, 42, 74, 0.3);
}

.fz-service-card--cta:hover .fz-explore {
    color: var(--fz-gold-light);
}

/* ---------------------------------------------------------------
   Course tile — image + heading + button, used by the scrolling
   course catalog strip on the homepage.
   --------------------------------------------------------------- */
.fz-course-tile {
    display: flex;
    flex-direction: column;
    height: 100%;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 8px 24px rgba(11, 42, 74, 0.05);
    transition: all 0.3s ease;
}

.fz-course-tile:hover {
    box-shadow: 0 20px 45px rgba(11, 42, 74, 0.14);
    transform: translateY(-4px);
}

.fz-course-tile-img {
    aspect-ratio: 16 / 10;
    overflow: hidden;
    background: var(--fz-line);
}

.fz-course-tile-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.4s ease;
}

.fz-course-tile:hover .fz-course-tile-img img {
    transform: scale(1.06);
}

.fz-course-tile-body {
    flex: 1;
    display: flex;
    flex-direction: column;
    padding: 20px 22px 22px;
}

.fz-course-tile-body h4 {
    font-size: 18px;
    font-weight: 600;
    color: var(--fz-ink);
    margin-bottom: 16px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--fz-line);
}

.fz-course-tile-body .theme-btn {
    align-self: flex-start;
    margin-top: auto;
}

.fz-course-scroll-section {
    padding: 55px 0 60px;
}

/* ---------------------------------------------------------------
   Services catalog page (/services) — Capital Karo style card:
   icon + index header row with a divider, content stacked below.
   Scoped to --catalog so the homepage grid above is untouched.
   --------------------------------------------------------------- */
.fz-service-card--catalog {
    border-radius: 10px;
    padding: 30px 28px 26px;
    box-shadow: none;
    display: flex;
    flex-direction: column;
}

.fz-service-card-header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 16px;
    padding-bottom: 22px;
    margin-bottom: 22px;
    border-bottom: 1px solid var(--fz-line);
}

.fz-service-card--catalog .fz-ico {
    width: 72px;
    height: 72px;
    border-radius: 14px;
    background: var(--fz-navy);
    color: #fff;
    font-size: 28px;
}

.fz-service-card--catalog:hover .fz-ico {
    background: var(--fz-gold);
    color: var(--fz-navy-dark);
    transform: scale(1.05);
}

.fz-service-card--catalog .fz-service-card-body {
    flex: 1;
}

.fz-service-card--catalog h4 {
    font-size: 19px;
    font-weight: 700;
    margin-bottom: 10px;
}

.fz-service-card--catalog p {
    line-height: 1.65;
}

.fz-service-card--catalog .fz-explore {
    margin-top: 18px;
    padding-top: 0;
    border-top: none;
    font-size: 14px;
    color: var(--fz-ink);
}

/* ---------------------------------------------------------------
   Process / How it works (new)
   --------------------------------------------------------------- */
.fz-process {
    padding: 70px 0;
    position: relative;
    overflow: hidden;
}

.fz-process::before {
    content: '';
    position: absolute;
    top: -110px;
    left: -100px;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.1), transparent 70%);
    pointer-events: none;
}

.fz-process .container {
    position: relative;
    z-index: 1;
}

.fz-process-track {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    flex-wrap: wrap;
    row-gap: 50px;
}

.fz-process-item {
    flex: 1 1 200px;
    max-width: 240px;
    text-align: center;
    padding: 0 12px;
}

.fz-process-circle {
    position: relative;
    width: 130px;
    height: 130px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 26px;
    font-size: 44px;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    box-shadow: 0 16px 34px rgba(11, 42, 74, 0.14);
}

.fz-process-item:hover .fz-process-circle {
    transform: translateY(-6px);
    box-shadow: 0 24px 46px rgba(11, 42, 74, 0.2);
}

.fz-process-circle.is-light {
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-navy);
}

.fz-process-circle.is-dark {
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-light) 100%);
    color: var(--fz-gold-light);
}

.fz-process-num {
    position: absolute;
    right: -6px;
    bottom: -6px;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: #fff;
    color: var(--fz-navy);
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 0.3px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 8px 18px rgba(11, 42, 74, 0.25);
    border: 2px solid var(--box-bg);
}

.fz-process-item h4 {
    font-size: 17px;
    font-weight: 700;
    color: var(--fz-ink);
    margin-bottom: 8px;
}

.fz-process-item p {
    font-size: 14px;
    color: var(--fz-muted);
    margin: 0;
    line-height: 1.6;
}

.fz-process-connector {
    flex: 0 0 auto;
    width: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 65px;
    position: relative;
}

.fz-process-connector::before {
    content: '';
    position: absolute;
    left: 0;
    right: 0;
    top: 50%;
    transform: translateY(-50%);
    border-top: 2px dashed rgba(10, 27, 51, 0.18);
}

.fz-process-connector i {
    position: relative;
    z-index: 1;
    color: var(--fz-gold);
    font-size: 14px;
}

@media (max-width: 991px) {
    .fz-process-connector {
        display: none;
    }

    .fz-process-item {
        flex: 1 1 45%;
    }
}

@media (max-width: 575px) {
    .fz-process-circle {
        width: 104px;
        height: 104px;
        font-size: 36px;
    }

    .fz-process-num {
        width: 36px;
        height: 36px;
        font-size: 11px;
    }

    .fz-process-item {
        flex: 1 1 100%;
        max-width: 280px;
    }
}

/* ---------------------------------------------------------------
   Counter / benefits / subscribe (recolor)
   --------------------------------------------------------------- */
.counter-section {
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-dark) 100%);
    border: 1px solid rgba(201, 151, 46, 0.25);
}

.style-one .single-counter-box::after {
    background: linear-gradient(180deg, rgba(201, 151, 46, 0.7) 0%, rgba(201, 151, 46, 0) 100%);
}

.counter-content .counter,
.counter-content span,
.counter-content p {
    color: #fff;
}

.counter-content .counter {
    color: var(--fz-gold-light);
}

.benefits-section {
    background: linear-gradient(160deg, rgba(11, 42, 74, 0.94), rgba(8, 27, 51, 0.97)), url("../images/benefit-bg.png");
    background-size: cover;
    background-repeat: no-repeat;
}

.benefits-item .benefits-img {
    background: rgba(201, 151, 46, 0.14);
}

.benefits-item .benefits-img img {
    filter: brightness(0) saturate(100%) invert(78%) sepia(28%) saturate(624%) hue-rotate(358deg) brightness(97%) contrast(92%);
}

.benefits-item:hover .benefits-img {
    background: var(--fz-gold);
}

.about-area.style-one .about-img {
    position: relative;
    overflow: hidden;
    border-radius: 12px;
    box-shadow: 0 20px 50px rgba(10, 27, 51, 0.15);
}

.about-area.style-one .about-img img {
    display: block;
    width: 100%;
}

.about-area.style-one .about-stat-overlay {
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(10, 27, 51, 0.78);
    text-align: center;
    padding: 34px 20px;
}

.about-area.style-one .about-stat-overlay h2 {
    margin: 0 0 4px;
    font-size: 42px;
    font-weight: 800;
    color: #fff;
}

.about-area.style-one .about-stat-overlay h2 span {
    color: var(--fz-gold-light);
}

.about-area.style-one .about-stat-overlay p {
    margin: 0;
    font-size: 16px;
    color: rgba(255, 255, 255, 0.85);
}

.about-feature-list {
    display: flex;
    flex-direction: column;
    gap: 26px;
    margin-top: 26px;
}

.about-feature-item {
    display: flex;
    align-items: flex-start;
    gap: 18px;
}

.about-feature-item .fz-ico-outline {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    border: 1.5px solid var(--fz-line);
    background: #fff;
    color: var(--fz-navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 21px;
    flex-shrink: 0;
}

.about-feature-item h4 {
    font-size: 17px;
    font-weight: 600;
    color: var(--fz-ink);
    margin-bottom: 6px;
}

.about-feature-item p {
    font-size: 14px;
    color: var(--fz-muted);
    margin: 0;
}

/* ---------------------------------------------------------------
   Founders
   --------------------------------------------------------------- */
.fz-founders {
    padding: 50px 0;
}

.fz-founder-card-h {
    position: relative;
    display: flex;
    align-items: stretch;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 20px;
    overflow: hidden;
    height: 100%;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.fz-founder-card-h::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--fz-navy) 0%, var(--fz-gold) 100%);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.35s ease;
    z-index: 2;
}

.fz-founder-card-h:hover {
    box-shadow: 0 20px 45px rgba(11, 42, 74, 0.12);
}

.fz-founder-card-h:hover::before {
    transform: scaleX(1);
}

.fz-founder-photo-h {
    position: relative;
    flex: 0 0 160px;
    width: 160px;
    padding: 5px;
    box-sizing: border-box;
    overflow: hidden;
}

.fz-founder-photo-h img {
    width: 100%;
    height: 100%;
    min-height: 210px;
    object-fit: cover;
    display: block;
    border-radius: 12px;
    filter: grayscale(45%);
    transform: scale(1.02);
    transition: filter 0.4s ease, transform 0.4s ease;
}

.fz-founder-card-h:hover .fz-founder-photo-h img {
    filter: grayscale(0%);
    transform: scale(1.08);
}

.fz-founder-content-h {
    position: relative;
    flex: 1;
    min-width: 0;
    padding: 30px 28px;
}

.fz-founder-content-h::before {
    content: '\201C';
    position: absolute;
    top: -6px;
    right: 20px;
    font-family: Georgia, serif;
    font-size: 90px;
    line-height: 1;
    color: var(--fz-gold);
    opacity: 0.12;
    pointer-events: none;
}

.fz-founder-content-h h4 {
    font-size: 22px;
    font-weight: 800;
    color: var(--fz-ink);
    margin-bottom: 8px;
}

.fz-founder-role {
    display: inline-flex;
    align-items: center;
    font-size: 12px;
    font-weight: 700;
    color: var(--fz-navy);
    background: rgba(212, 165, 55, 0.14);
    padding: 5px 14px;
    border-radius: 999px;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    margin-bottom: 16px;
}

.fz-founder-quote {
    position: relative;
    font-size: 14.5px;
    color: var(--fz-muted);
    line-height: 1.7;
    margin: 0;
}

.fz-founder-quote .fa-quote-left {
    color: var(--fz-gold);
    margin-right: 6px;
    font-size: 13px;
}

.counter-area.style-one {
    padding: 50px 0;
    background: #fff;
}

.team-area.style-one.inner {
    background: var(--box-bg);
}

.subsribe-section {
    background: linear-gradient(160deg, rgba(11, 42, 74, 0.95), rgba(8, 27, 51, 0.98)), url("../images/subscribe-bg.png");
    background-repeat: no-repeat;
    background-position: left bottom;
    background-size: cover;
}

.testimonial-area.style-five {
    background-color: #fff;
}


/* ---------------------------------------------------------------
   Plan / package cards — price colour
   --------------------------------------------------------------- */
.rbt-price .current-price {
    color: var(--fz-navy);
    font-weight: 600;
}

.rbt-price .off-price {
    color: #a2acb9;
}

.rbt-review .rating i {
    color: var(--fz-gold);
}

/* ---------------------------------------------------------------
   Certification strip labels
   --------------------------------------------------------------- */
.blog-title h3 a {
    color: var(--fz-ink);
}

/* ---------------------------------------------------------------
   Section title icon accents
   --------------------------------------------------------------- */
.section-sub-title h4.sub-heading {
    color: var(--fz-gold);
    font-weight: 500;
}

/* ---------------------------------------------------------------
   Own Branding Program / Estimated Earnings
   --------------------------------------------------------------- */
.fz-branding-promo {
    padding: 70px 0;
    position: relative;
    overflow: hidden;
}

.fz-branding-promo::before,
.fz-branding-promo::after {
    content: '';
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.fz-branding-promo::before {
    top: -100px;
    left: -100px;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.14), transparent 70%);
}

.fz-branding-promo::after {
    bottom: -140px;
    right: -100px;
    width: 340px;
    height: 340px;
    background: radial-gradient(circle, rgba(10, 27, 51, 0.08), transparent 70%);
}

.fz-branding-promo .container {
    position: relative;
    z-index: 1;
}

.fz-branding-bleed-img {
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 22%;
    min-width: 240px;
    max-width: 320px;
    z-index: 0;
}

.fz-branding-bleed-img img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.fz-branding-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, rgba(212, 165, 55, 0.14), rgba(212, 165, 55, 0.05));
    border: 1.5px solid var(--fz-navy);
    border-radius: 999px;
    padding: 8px 20px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--fz-navy);
    margin-bottom: 22px;
    box-shadow: 0 8px 20px rgba(212, 165, 55, 0.16);
}

.fz-branding-title {
    position: relative;
    font-size: 39px;
    font-weight: 800;
    color: var(--fz-ink);
    line-height: 1.22;
    letter-spacing: -0.4px;
    margin-bottom: 20px;
    padding-left: 22px;
}

.fz-branding-title::before {
    content: '';
    position: absolute;
    left: 0;
    top: 6px;
    bottom: 6px;
    width: 4px;
    border-radius: 4px;
    background: linear-gradient(180deg, var(--fz-gold) 0%, var(--fz-navy) 100%);
}

.fz-branding-desc {
    color: var(--primary-color);
    font-size: 15.5px;
    line-height: 1.75;
    margin-bottom: 28px;
}

.fz-branding-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px 20px;
    margin-bottom: 32px;
}

.fz-branding-feature {
    display: flex;
    align-items: center;
    gap: 12px;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 14px;
    padding: 12px 14px;
    font-size: 14px;
    color: var(--fz-ink);
    font-weight: 500;
    line-height: 1.35;
    box-shadow: 0 8px 20px rgba(11, 42, 74, 0.05);
    transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.fz-branding-feature:hover {
    transform: translateY(-4px);
    border-color: rgba(212, 165, 55, 0.5);
    box-shadow: 0 16px 30px rgba(11, 42, 74, 0.12);
}

.fz-branding-feature-ico {
    flex: none;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
    transition: transform 0.3s ease, background 0.3s ease;
}

.fz-branding-feature:hover .fz-branding-feature-ico {
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    transform: scale(1.1) rotate(-8deg);
}

.fz-branding-cta {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-light) 100%);
    color: #fff;
    padding: 16px 32px;
    border-radius: 999px;
    font-weight: 600;
    font-size: 15px;
    text-decoration: none;
    box-shadow: 0 14px 30px rgba(11, 42, 74, 0.22);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.fz-branding-cta i {
    transition: transform 0.3s ease;
}

.fz-branding-cta:hover {
    color: #fff;
    transform: translateY(-3px);
    box-shadow: 0 18px 36px rgba(11, 42, 74, 0.3);
}

.fz-branding-cta:hover i {
    transform: translateX(4px);
}

.fz-earnings-card {
    position: relative;
    background: #fff;
    border-radius: 22px;
    border: 1px solid rgba(212, 165, 55, 0.2);
    box-shadow: 0 30px 70px rgba(11, 42, 74, 0.15);
    overflow: hidden;
    transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.fz-earnings-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 40px 80px rgba(11, 42, 74, 0.2);
}

.fz-earnings-head {
    position: relative;
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-light) 100%);
    color: #fff;
    font-weight: 600;
    font-size: 17px;
    padding: 24px 28px;
    display: flex;
    align-items: center;
    gap: 10px;
    overflow: hidden;
}

.fz-earnings-head::after {
    content: '';
    position: absolute;
    top: -60px;
    right: -40px;
    width: 160px;
    height: 160px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.35), transparent 70%);
    pointer-events: none;
}

.fz-earnings-body {
    padding: 6px 28px;
}

.fz-earnings-row {
    padding: 18px 14px;
    margin: 0 -14px;
    border-radius: 12px;
    border-bottom: 1px solid var(--fz-line);
    transition: background 0.25s ease;
}

.fz-earnings-row:hover {
    background: var(--box-bg2);
}

.fz-earnings-row:last-child {
    border-bottom: 0;
}

.fz-earnings-line {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 14.5px;
    color: var(--fz-muted);
    margin-bottom: 6px;
}

.fz-earnings-ico {
    margin-right: 4px;
}

.fz-earnings-line b {
    color: var(--fz-ink);
    font-weight: 600;
}

.fz-earnings-line.is-earning {
    margin-bottom: 0;
    color: var(--fz-navy);
    font-weight: 600;
}

.fz-earnings-line.is-earning b {
    color: var(--fz-navy);
}

.fz-earnings-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    background: var(--fz-ink);
    color: #fff;
    text-decoration: none;
    font-weight: 600;
    font-size: 15px;
    padding: 18px;
    margin: 18px 28px 28px;
    border-radius: 14px;
    transition: background 0.3s ease;
}

.fz-earnings-btn:hover {
    background: var(--fz-navy-light);
    color: #fff;
}

@media (max-width: 767px) {
    .fz-branding-features {
        grid-template-columns: 1fr;
    }

    .fz-branding-title {
        font-size: 26px;
    }
}

/* ---------------------------------------------------------------
   Market growth stat cards
   --------------------------------------------------------------- */
.fz-market {
    padding: 70px 0;
    position: relative;
    overflow: hidden;
}

.fz-market::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -100px;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.1), transparent 70%);
    pointer-events: none;
}

.fz-market .container {
    position: relative;
    z-index: 1;
}

.fz-market .section_title.two h1 {
    position: relative;
    display: inline-block;
    padding-bottom: 20px;
}

.fz-market .section_title.two h1::after {
    content: '';
    position: absolute;
    left: 50%;
    bottom: 0;
    transform: translateX(-50%);
    width: 70px;
    height: 4px;
    border-radius: 4px;
    background: linear-gradient(90deg, var(--fz-navy) 0%, var(--fz-gold) 100%);
}

.fz-market-card {
    position: relative;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 18px;
    padding: 34px 28px;
    height: 100%;
    text-align: center;
    overflow: hidden;
    box-shadow: 0 12px 28px rgba(11, 42, 74, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.fz-market-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--fz-navy) 0%, var(--fz-gold) 100%);
    opacity: 0;
    transition: opacity 0.3s ease;
}

.fz-market-card:hover {
    transform: translateY(-8px) scale(1.015);
    border-color: rgba(212, 165, 55, 0.35);
    box-shadow: 0 26px 50px rgba(11, 42, 74, 0.14);
}

.fz-market-card:hover::before {
    opacity: 1;
}

.fz-market-card .fz-ico {
    width: 58px;
    height: 58px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin: 0 auto 16px;
    box-shadow: 0 10px 22px rgba(11, 42, 74, 0.22);
    transition: transform 0.35s ease, background 0.35s ease, color 0.35s ease;
}

.fz-market-card:hover .fz-ico {
    transform: scale(1.1) rotate(-6deg);
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
}

.fz-market-card-label {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--fz-gold);
    margin-bottom: 10px;
}

.fz-market-card h3 {
    font-size: 29px;
    font-weight: 800;
    color: var(--fz-ink);
    margin-bottom: 10px;
    letter-spacing: -0.3px;
}

.fz-market-card h3 span {
    background: linear-gradient(90deg, var(--fz-navy) 0%, var(--fz-gold) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.fz-market-card p {
    font-size: 14px;
    color: var(--fz-muted);
    margin: 0;
    line-height: 1.6;
}

.fz-market-banner {
    position: relative;
    overflow: hidden;
    margin-top: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    text-align: center;
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-light) 100%);
    color: #fff;
    padding: 20px 28px;
    border-radius: 16px;
    font-weight: 600;
    font-size: 15px;
    box-shadow: 0 20px 45px rgba(11, 42, 74, 0.2);
}

.fz-market-banner::before {
    content: '';
    position: absolute;
    top: -70%;
    left: -6%;
    width: 220px;
    height: 220px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.35), transparent 70%);
    pointer-events: none;
}

.fz-market-banner::after {
    content: '';
    position: absolute;
    top: 0;
    left: -60%;
    width: 40%;
    height: 100%;
    background: linear-gradient(90deg, transparent 0%, rgba(255, 255, 255, 0.16) 50%, transparent 100%);
    animation: fzBannerShine 3.5s ease-in-out infinite;
    pointer-events: none;
}

@keyframes fzBannerShine {
    0% { left: -60%; }
    60%, 100% { left: 130%; }
}

.fz-market-banner i {
    flex: none;
    color: var(--fz-gold-light);
    font-size: 18px;
    animation: fzBannerIcoPulse 2s ease-in-out infinite;
}

@keyframes fzBannerIcoPulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.15); }
}

@media (max-width: 575px) {
    .fz-market-banner {
        flex-direction: column;
        gap: 6px;
    }
}

/* ---------------------------------------------------------------
   Refer & Earn (Affiliate Program) — full-width dark CTA band
   --------------------------------------------------------------- */
.fz-affiliate-cta {
    position: relative;
    padding: 80px 0;
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-dark) 100%);
    overflow: hidden;
}

.fz-affiliate-cta::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -100px;
    width: 340px;
    height: 340px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.18), transparent 70%);
    pointer-events: none;
}

.fz-affiliate-cta::after {
    content: '';
    position: absolute;
    bottom: -140px;
    left: -80px;
    width: 280px;
    height: 280px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.06), transparent 70%);
    pointer-events: none;
}

.fz-affiliate-cta .container {
    position: relative;
    z-index: 1;
}

.fz-affiliate-eyebrow {
    display: inline-block;
    color: var(--fz-gold-light);
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    font-size: 13px;
    margin-bottom: 16px;
}

.fz-affiliate-title {
    color: #fff;
    font-size: 38px;
    font-weight: 800;
    line-height: 1.25;
    margin-bottom: 18px;
}

.fz-affiliate-title span {
    color: var(--fz-gold-light);
}

.fz-affiliate-desc {
    color: rgba(255, 255, 255, 0.75);
    font-size: 15.5px;
    line-height: 1.75;
    margin-bottom: 30px;
    max-width: 520px;
}

.fz-affiliate-cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: #fff;
    color: var(--fz-navy);
    padding: 16px 32px;
    border-radius: 999px;
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    box-shadow: 0 16px 34px rgba(0, 0, 0, 0.25);
    transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease, color 0.3s ease;
}

.fz-affiliate-cta-btn:hover {
    transform: translateY(-3px);
    background: var(--fz-gold-light);
    color: var(--fz-ink);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.32);
}

.fz-affiliate-cta-btn i {
    transition: transform 0.3s ease;
}

.fz-affiliate-cta-btn:hover i {
    transform: translateX(4px);
}

.fz-affiliate-card {
    position: relative;
    background: linear-gradient(160deg, rgba(255, 255, 255, 0.1), rgba(255, 255, 255, 0.03));
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 24px;
    padding: 36px 32px;
    box-shadow: 0 30px 70px rgba(0, 0, 0, 0.3);
}

.fz-affiliate-card-icon {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    margin-bottom: 20px;
    box-shadow: 0 10px 26px rgba(212, 165, 55, 0.4);
}

.fz-affiliate-card h3 {
    color: #fff;
    font-size: 21px;
    font-weight: 700;
    line-height: 1.35;
    margin-bottom: 22px;
}

.fz-affiliate-card h3 span {
    color: var(--fz-gold-light);
}

.fz-affiliate-card ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.fz-affiliate-card li {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, 0.9);
    font-size: 14.5px;
    font-weight: 500;
    padding: 12px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.fz-affiliate-card li:first-child {
    border-top: 0;
    padding-top: 0;
}

.fz-affiliate-card li i {
    flex: none;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: rgba(212, 165, 55, 0.18);
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
}

@media (max-width: 767px) {
    .fz-affiliate-cta {
        padding: 56px 0;
        text-align: center;
    }

    .fz-affiliate-title {
        font-size: 27px;
    }

    .fz-affiliate-desc {
        max-width: 100%;
    }

    .fz-affiliate-card {
        margin-top: 10px;
    }
}

/* ---------------------------------------------------------------
   Agent vs Agency Owner comparison
   --------------------------------------------------------------- */
.fz-compare {
    padding: 70px 0;
    position: relative;
    overflow: hidden;
}

.fz-compare::before {
    content: '';
    position: absolute;
    top: -100px;
    left: -120px;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.1), transparent 70%);
    pointer-events: none;
}

.fz-compare .container {
    position: relative;
    z-index: 1;
}

.fz-compare-legend {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 10px;
    margin-bottom: 26px;
}

.fz-compare-legend-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 18px;
    border-radius: 999px;
    font-weight: 600;
    font-size: 14px;
}

.fz-compare-legend-pill.is-bad {
    background: rgba(179, 65, 63, 0.1);
    color: #a63b3b;
}

.fz-compare-legend-pill.is-good {
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: #fff;
}

.fz-compare-legend-arrow {
    color: var(--fz-gold);
    font-size: 14px;
}

.fz-compare-recommended {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.4px;
    text-transform: uppercase;
    padding: 5px 12px;
    border-radius: 999px;
    box-shadow: 0 6px 16px rgba(212, 165, 55, 0.3);
}

.fz-compare-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
}

.fz-compare-card-item {
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 16px;
    padding: 16px 18px;
    box-shadow: 0 10px 24px rgba(11, 42, 74, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.fz-compare-card-item:hover {
    transform: translateY(-4px);
    border-color: rgba(212, 165, 55, 0.4);
    box-shadow: 0 18px 36px rgba(11, 42, 74, 0.12);
}

.fz-compare-card-bad,
.fz-compare-card-good {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13.5px;
    line-height: 1.4;
}

.fz-compare-card-bad {
    color: var(--fz-muted);
    text-decoration-color: rgba(179, 65, 63, 0.4);
    padding-bottom: 12px;
}

.fz-compare-card-good {
    color: var(--fz-ink);
    font-weight: 600;
    padding-top: 12px;
}

.fz-compare-card-divider {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    color: var(--fz-gold);
    font-size: 12px;
}

.fz-compare-card-divider::before,
.fz-compare-card-divider::after {
    content: '';
    flex: 1;
    height: 1px;
    background: var(--fz-line);
}

.fz-compare-ico {
    flex: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 10px;
    margin-top: 1px;
}

.fz-compare-card-bad .fz-compare-ico {
    background: rgba(179, 65, 63, 0.12);
    color: #b3413f;
}

.fz-compare-card-good .fz-compare-ico {
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
}

@media (max-width: 991px) {
    .fz-compare-cards {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 575px) {
    .fz-compare-cards {
        grid-template-columns: 1fr;
    }

    .fz-compare-legend {
        gap: 8px;
    }

    .fz-compare-legend-pill {
        font-size: 12.5px;
        padding: 7px 14px;
    }
}

/* ---------------------------------------------------------------
   Talk To Our Team (call CTA banner)
   --------------------------------------------------------------- */
.fz-call-cta {
    padding: 70px 0;
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-dark) 100%);
    position: relative;
    overflow: hidden;
    text-align: center;
}

.fz-call-cta::before,
.fz-call-cta::after {
    content: '';
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.fz-call-cta::before {
    top: -150px;
    left: -100px;
    width: 340px;
    height: 340px;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.16), transparent 70%);
}

.fz-call-cta::after {
    bottom: -170px;
    right: -110px;
    width: 380px;
    height: 380px;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.1), transparent 70%);
}

.fz-call-cta .container {
    position: relative;
    z-index: 1;
    max-width: 720px;
}

.fz-call-cta-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(212, 165, 55, 0.12);
    border: 1px solid rgba(212, 165, 55, 0.4);
    color: var(--fz-gold-light);
    border-radius: 999px;
    padding: 8px 18px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 22px;
}

.fz-call-cta-title {
    font-size: 34px;
    font-weight: 800;
    color: #fff;
    line-height: 1.3;
    margin-bottom: 16px;
}

.fz-call-cta-title span {
    color: var(--fz-gold-light);
}

.fz-call-cta-desc {
    color: rgba(255, 255, 255, 0.7);
    font-size: 15.5px;
    line-height: 1.75;
    margin: 0 auto 30px;
    max-width: 520px;
}

.fz-call-cta-number {
    display: inline-flex;
    align-items: center;
    gap: 14px;
    font-size: 40px;
    font-weight: 800;
    color: var(--fz-gold-light);
    text-decoration: none;
    letter-spacing: 0.5px;
    transition: transform 0.3s ease, color 0.3s ease;
}

.fz-call-cta-number i {
    font-size: 28px;
}

.fz-call-cta-number:hover {
    color: #fff;
    transform: scale(1.03);
}

.fz-call-cta-whatsapp {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 18px;
    color: rgba(255, 255, 255, 0.65);
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    transition: color 0.3s ease;
}

.fz-call-cta-whatsapp i {
    color: #25D366;
    font-size: 16px;
}

.fz-call-cta-whatsapp:hover {
    color: #fff;
}

@media (max-width: 575px) {
    .fz-call-cta-title {
        font-size: 25px;
    }

    .fz-call-cta-number {
        font-size: 27px;
        gap: 10px;
    }

    .fz-call-cta-number i {
        font-size: 20px;
    }
}

/* ---------------------------------------------------------------
   Lending partner network
   --------------------------------------------------------------- */
.fz-partners {
    padding: 50px 0;
}

.fz-partners .brand-list2 {
    margin-top: 30px;
}

.fz-partner-logo-link {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 12px;
    height: 150px;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 14px;
    padding: 8px;
    box-shadow: 0 4px 14px rgba(15, 23, 42, 0.05);
    transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.fz-partner-logo-link:hover {
    border-color: transparent;
    box-shadow: 0 16px 32px rgba(15, 23, 42, 0.14);
}

.fz-partner-logo-link.fz-partner-logo-link-disabled {
    cursor: default;
}

.fz-partner-logo-link img {
    width: 100%;
    max-height: 90px;
    object-fit: contain;
}

.fz-partner-logo-name {
    font-size: 13px;
    font-weight: 600;
    color: var(--fz-muted);
    text-align: center;
    line-height: 1.3;
}

@media (max-width: 575px) {
    .fz-partner-logo-link { height: 110px; padding: 8px; border-radius: 10px; gap: 8px; }
    .fz-partner-logo-link img { max-height: 60px; }
    .fz-partner-logo-name { font-size: 11px; }
}

.fz-partner-logo-link:hover img {
    filter: grayscale(0);
    opacity: 1;
}

/* ---------------------------------------------------------------
   Commission category cards (teaser, no figures)
   --------------------------------------------------------------- */
.fz-commission {
    padding: 70px 0;
    position: relative;
    overflow: hidden;
}

.fz-commission::before {
    content: '';
    position: absolute;
    top: -110px;
    right: -110px;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.12), transparent 70%);
    pointer-events: none;
}

.fz-commission .container {
    position: relative;
    z-index: 1;
}

.educate-details-course-area.style-inner {
    background: var(--box-bg);
}

.fz-commission-card {
    position: relative;
    display: block;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 16px;
    padding: 30px 18px;
    text-align: center;
    height: 100%;
    overflow: hidden;
    text-decoration: none;
    box-shadow: 0 10px 26px rgba(11, 42, 74, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease, background 0.4s ease;
}

.fz-commission-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--fz-navy) 0%, var(--fz-gold) 100%);
    opacity: 0;
    transition: opacity 0.3s ease;
}

.fz-commission-card:hover {
    transform: translateY(-6px);
    background: linear-gradient(150deg, var(--fz-navy) 0%, var(--fz-navy-light) 100%);
    border-color: var(--fz-navy);
    box-shadow: 0 22px 44px rgba(11, 42, 74, 0.28);
}

.fz-commission-card:hover::before {
    opacity: 1;
}

.fz-commission-card .fz-ico {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin: 0 auto 16px;
    box-shadow: 0 10px 22px rgba(11, 42, 74, 0.2);
    transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease;
}

.fz-commission-card:hover .fz-ico {
    transform: scale(1.1) rotate(-6deg);
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
}

.fz-commission-card h4 {
    font-size: 14.5px;
    font-weight: 600;
    color: var(--fz-ink);
    margin: 0;
    transition: color 0.3s ease;
}

.fz-commission-card:hover h4 {
    color: #fff;
}

/* ---------------------------------------------------------------
   Office address cards (About / Contact)
   --------------------------------------------------------------- */
.fz-office-card {
    background: var(--box-bg);
    border-radius: 14px;
    padding: 24px 22px;
    height: 100%;
    border: 1px solid var(--fz-line);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease, background 0.3s ease;
}

.fz-office-card:hover {
    transform: translateY(-6px);
    background: #fff;
    border-color: rgba(212, 165, 55, 0.35);
    box-shadow: 0 18px 36px rgba(11, 42, 74, 0.1);
}

.fz-office-card .fz-ico {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 17px;
    margin-bottom: 14px;
    transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease;
}

.fz-office-card:hover .fz-ico {
    transform: scale(1.08) rotate(-6deg);
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
}

.fz-office-card h4 {
    font-size: 16px;
    font-weight: 600;
    color: var(--fz-ink);
    margin-bottom: 6px;
}

.fz-office-card p {
    font-size: 13.5px;
    color: var(--fz-muted);
    margin: 0;
    line-height: 1.6;
}

.fz-process-step {
    position: relative;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 16px;
    padding: 30px 24px;
    height: 100%;
    box-shadow: 0 10px 26px rgba(11, 42, 74, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.fz-process-step:hover {
    transform: translateY(-6px);
    border-color: rgba(212, 165, 55, 0.35);
    box-shadow: 0 22px 44px rgba(11, 42, 74, 0.14);
}

.fz-process-step .fz-ico {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 18px;
    box-shadow: 0 10px 22px rgba(11, 42, 74, 0.2);
    transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease;
}

.fz-process-step:hover .fz-ico {
    transform: scale(1.08) rotate(-6deg);
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
}

.fz-process-step h4 {
    font-size: 17px;
    font-weight: 700;
    color: var(--fz-ink);
    margin-bottom: 10px;
}

.fz-process-step p {
    font-size: 14px;
    color: var(--fz-muted);
    line-height: 1.6;
    margin: 0;
}

/* About page — founder strip + mission/vision cards */
.fz-about-founder-strip {
    display: flex;
    align-items: center;
    gap: 16px;
    background: var(--box-bg);
    border: 1px solid var(--fz-line);
    border-radius: 14px;
    padding: 14px 18px;
    margin: 24px 0;
}

.fz-about-founder-strip img {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    object-fit: cover;
    flex: none;
    border: 2px solid #fff;
    box-shadow: 0 6px 16px rgba(11, 42, 74, 0.15);
}

.fz-about-founder-strip span {
    display: block;
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    color: var(--fz-gold);
    margin-bottom: 2px;
}

.fz-about-founder-strip h5 {
    font-size: 16px;
    font-weight: 700;
    color: var(--fz-ink);
    margin: 0;
}

.fz-about-mv-card {
    position: relative;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 16px;
    padding: 32px 26px;
    height: 100%;
    box-shadow: 0 10px 26px rgba(11, 42, 74, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.fz-about-mv-card:hover {
    transform: translateY(-6px);
    border-color: rgba(212, 165, 55, 0.35);
    box-shadow: 0 22px 44px rgba(11, 42, 74, 0.14);
}

.fz-about-mv-card .fz-ico {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 20px;
    box-shadow: 0 10px 22px rgba(11, 42, 74, 0.2);
}

.fz-about-mv-card h4 {
    font-size: 19px;
    font-weight: 700;
    color: var(--fz-ink);
    margin-bottom: 12px;
}

.fz-about-mv-card p {
    font-size: 14.5px;
    color: var(--fz-muted);
    line-height: 1.7;
    margin: 0;
}

/* ---------------------------------------------------------------
   DSA Partner Masterclass (live class promo banner)
   --------------------------------------------------------------- */
.fz-masterclass {
    padding: 70px 0;
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-dark) 100%);
    position: relative;
    overflow: hidden;
}

.fz-masterclass::before {
    content: '';
    position: absolute;
    top: -140px;
    right: -120px;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.18), transparent 70%);
    pointer-events: none;
}

.fz-masterclass-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: rgba(212, 165, 55, 0.12);
    border: 1px solid rgba(212, 165, 55, 0.4);
    color: var(--fz-gold-light);
    border-radius: 999px;
    padding: 8px 18px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 24px;
}

.fz-live-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #3ED598;
    box-shadow: 0 0 0 0 rgba(62, 213, 152, 0.6);
    animation: fzLivePulse 1.6s infinite;
}

@keyframes fzLivePulse {
    0% {
        box-shadow: 0 0 0 0 rgba(62, 213, 152, 0.55);
    }

    70% {
        box-shadow: 0 0 0 8px rgba(62, 213, 152, 0);
    }

    100% {
        box-shadow: 0 0 0 0 rgba(62, 213, 152, 0);
    }
}

.fz-masterclass-title {
    font-size: 36px;
    font-weight: 800;
    line-height: 1.3;
    color: #fff;
    margin-bottom: 18px;
}

.fz-masterclass-title span {
    color: var(--fz-gold-light);
}

.fz-masterclass-desc {
    color: rgba(255, 255, 255, 0.75);
    font-size: 15.5px;
    line-height: 1.75;
    margin-bottom: 24px;
    max-width: 560px;
}

.fz-masterclass-features {
    display: flex;
    flex-wrap: wrap;
    gap: 14px 26px;
    margin-bottom: 30px;
}

.fz-masterclass-feature {
    display: flex;
    align-items: center;
    gap: 8px;
    color: #fff;
    font-size: 14px;
    font-weight: 600;
}

.fz-masterclass-feature i {
    color: var(--fz-gold-light);
}

.fz-masterclass-timer {
    margin-bottom: 30px;
}

.fz-masterclass-timer-label {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255, 255, 255, 0.65);
    font-size: 12.5px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 12px;
}

.fz-countdown {
    display: flex;
    gap: 12px;
}

.fz-countdown-box {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 12px;
    padding: 12px 14px;
    text-align: center;
    min-width: 68px;
}

.fz-countdown-box span {
    display: block;
    font-size: 24px;
    font-weight: 800;
    color: var(--fz-gold-light);
    line-height: 1;
    margin-bottom: 4px;
}

.fz-countdown-box small {
    display: block;
    font-size: 10.5px;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.55);
}

.fz-masterclass-cta {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    padding: 16px 32px;
    border-radius: 999px;
    font-weight: 700;
    font-size: 15px;
    text-decoration: none;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.fz-masterclass-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 30px rgba(212, 165, 55, 0.35);
    color: var(--fz-ink);
}

.fz-masterclass-visual {
    position: relative;
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 22px;
    padding: 44px 32px;
    text-align: center;
    backdrop-filter: blur(6px);
}

.fz-masterclass-visual-badge {
    position: absolute;
    top: -16px;
    right: 24px;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    font-weight: 800;
    font-size: 12.5px;
    letter-spacing: 0.5px;
    padding: 10px 18px;
    border-radius: 999px;
    box-shadow: 0 10px 24px rgba(0, 0, 0, 0.25);
    transform: rotate(4deg);
}

.fz-masterclass-visual-ico {
    width: 74px;
    height: 74px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-gold), var(--fz-gold-light));
    color: var(--fz-ink);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 30px;
    margin: 0 auto 20px;
}

.fz-masterclass-visual h4 {
    color: #fff;
    font-size: 20px;
    font-weight: 700;
    margin-bottom: 22px;
}

.fz-masterclass-visual ul {
    list-style: none;
    margin: 0;
    padding: 0;
    text-align: left;
}

.fz-masterclass-visual ul li {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, 0.8);
    font-size: 14px;
    padding: 12px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.fz-masterclass-visual ul li:last-child {
    border-bottom: 0;
}

.fz-masterclass-visual ul li i {
    width: 18px;
    color: var(--fz-gold-light);
}

@media (max-width: 991px) {
    .fz-masterclass-visual {
        margin-top: 40px;
    }
}

@media (max-width: 767px) {
    .fz-masterclass-title {
        font-size: 27px;
    }

    .fz-countdown-box {
        min-width: 56px;
        padding: 10px 8px;
    }
}

/* ---------------------------------------------------------------
   Brand preloader
   --------------------------------------------------------------- */
.preloader {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    height: 100%;
    background: var(--fz-navy);
    z-index: 999999999;
}

.loading-container {
    width: 100%;
    max-width: 640px;
    margin: 40vh auto 0;
    padding: 0 20px;
    position: relative;
    text-align: center;
    color: #fff;
}

.loading-container::before {
    content: '';
    position: absolute;
    left: 0;
    bottom: -15px;
    width: 100%;
    height: 3px;
    border-radius: 10px;
    background-color: var(--fz-gold);
    animation: fzPreloaderLine 2.4s infinite ease-in-out;
}

.loading-text {
    display: flex;
    justify-content: center;
    margin-bottom: 32px;
    font-family: 'Montserrat', sans-serif;
    font-size: 4vw;
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: 6px;
}

.loading-text span {
    display: inline-block;
    position: relative;
    opacity: 0;
    transform: translateX(0);
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.35);
    animation: fzPreloaderLetters 2.4s infinite ease-in-out;
}

.loading-text span:nth-child(7) {
    color: var(--fz-gold);
}

.loading-text span:nth-child(1) { animation-delay: 0.06s; }
.loading-text span:nth-child(2) { animation-delay: 0.12s; }
.loading-text span:nth-child(3) { animation-delay: 0.18s; }
.loading-text span:nth-child(4) { animation-delay: 0.24s; }
.loading-text span:nth-child(5) { animation-delay: 0.30s; }
.loading-text span:nth-child(6) { animation-delay: 0.36s; }
.loading-text span:nth-child(7) { animation-delay: 0.42s; }
.loading-text span:nth-child(8) { animation-delay: 0.48s; }
.loading-text span:nth-child(9) { animation-delay: 0.54s; }
.loading-text span:nth-child(10) { animation-delay: 0.60s; }
.loading-text span:nth-child(11) { animation-delay: 0.66s; }
.loading-text span:nth-child(12) { animation-delay: 0.72s; }
.loading-text span:nth-child(13) { animation-delay: 0.78s; }

@media screen and (max-width: 767px) {
    .loading-text {
        font-size: 7vw;
        letter-spacing: 3px;
    }
}

@keyframes fzPreloaderLine {
    0% {
        opacity: 0;
        width: 0;
    }

    33.3%,
    66% {
        opacity: 0.8;
        width: 100%;
    }

    85% {
        width: 0;
        left: initial;
        right: 0;
        opacity: 1;
    }

    100% {
        opacity: 0;
        width: 0;
    }
}

@keyframes fzPreloaderLetters {
    0% {
        transform: translateX(-15vw);
        opacity: 0;
    }

    33.3%,
    66% {
        transform: translateX(0);
        opacity: 1;
    }

    100% {
        transform: translateX(15vw);
        opacity: 0;
    }
}

/* ---------------------------------------------------------------
   Footer — richer background, icon badges, gold accents
   --------------------------------------------------------------- */
.footer-area.footer-style-1 {
    position: relative;
    overflow: hidden;
    background: linear-gradient(160deg, var(--fz-navy-dark) 0%, #050b16 100%);
}

.footer-area.footer-style-1::before {
    content: '';
    position: absolute;
    top: -160px;
    right: -120px;
    width: 380px;
    height: 380px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.1), transparent 70%);
    pointer-events: none;
}

.footer-area.footer-style-1 > .container,
.footer-area.footer-style-1 .footer-bottom-area {
    position: relative;
    z-index: 1;
}

.footer-widget-title h4 {
    position: relative;
    padding-bottom: 14px;
}

.footer-widget-title h4::after {
    content: '';
    position: absolute;
    left: 0;
    bottom: 0;
    width: 42px;
    height: 3px;
    border-radius: 2px;
    background: linear-gradient(90deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
}

@media (max-width: 479px) {
    .footer-widget-title h4::after {
        bottom: 8px;
    }
}

.footer-widget-menu ul li a:hover {
    color: var(--fz-gold-light) !important;
}

.fz-footer-ico {
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-navy-dark) !important;
    font-size: 15px;
    flex: none;
    margin-right: 12px;
    vertical-align: middle;
    box-shadow: 0 8px 18px rgba(212, 165, 55, 0.3);
}

.fz-footer-ico i {
    margin: 0 !important;
    line-height: 1;
}

.footer-bottom-area {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 22px 0;
}

.fz-footer-bottom-flex {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 14px;
}

.fz-footer-bottom-flex .footer-bottom-desc {
    margin: 0;
}

.footer-bottom-social-icon ul li a::before {
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
}

.footer-bottom-social-icon ul li a:hover {
    color: var(--fz-navy-dark) !important;
}

@media (max-width: 575px) {
    .fz-footer-bottom-flex {
        justify-content: center;
        text-align: center;
    }
}

/* ---------------------------------------------------------------
   Channel Partner page
   --------------------------------------------------------------- */
.fz-cp-hero {
    position: relative;
    padding: 60px 0 90px;
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-dark) 100%);
    overflow: hidden;
}

.fz-cp-hero::before {
    content: '';
    position: absolute;
    top: -130px;
    right: -110px;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.2), transparent 70%);
    pointer-events: none;
}

.fz-cp-hero::after {
    content: '';
    position: absolute;
    bottom: -150px;
    left: -90px;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.06), transparent 70%);
    pointer-events: none;
}

.fz-cp-hero .container {
    position: relative;
    z-index: 1;
}

.fz-cp-breadcrumb {
    color: rgba(255, 255, 255, 0.55);
    font-size: 13px;
    font-weight: 500;
    margin-bottom: 18px;
}

.fz-cp-breadcrumb a {
    color: rgba(255, 255, 255, 0.75);
    text-decoration: none;
}

.fz-cp-breadcrumb a:hover {
    color: var(--fz-gold-light);
}

.fz-cp-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--fz-gold-light);
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    font-size: 13px;
    margin-bottom: 16px;
}

.fz-cp-title {
    color: #fff;
    font-size: 42px;
    font-weight: 800;
    line-height: 1.2;
    margin-bottom: 18px;
}

.fz-cp-title span {
    color: var(--fz-gold-light);
}

.fz-cp-desc {
    color: rgba(255, 255, 255, 0.75);
    font-size: 15.5px;
    line-height: 1.75;
    margin-bottom: 30px;
    max-width: 540px;
}

.fz-cp-hero-actions {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 16px;
}

.fz-cp-hero-btn-outline {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: transparent;
    color: #fff;
    border: 1.5px solid rgba(255, 255, 255, 0.35);
    padding: 14.5px 30px;
    border-radius: 999px;
    font-weight: 600;
    font-size: 15px;
    text-decoration: none;
    transition: border-color 0.3s ease, background 0.3s ease;
}

.fz-cp-hero-btn-outline:hover {
    color: #fff;
    border-color: var(--fz-gold-light);
    background: rgba(255, 255, 255, 0.06);
}

.fz-cp-hero-card {
    position: relative;
    background: linear-gradient(160deg, rgba(255, 255, 255, 0.1), rgba(255, 255, 255, 0.03));
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 24px;
    padding: 36px 32px;
    box-shadow: 0 30px 70px rgba(0, 0, 0, 0.3);
}

.fz-cp-hero-card-icon {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    margin-bottom: 20px;
    box-shadow: 0 10px 26px rgba(212, 165, 55, 0.4);
}

.fz-cp-hero-card h3 {
    color: #fff;
    font-size: 21px;
    font-weight: 700;
    line-height: 1.35;
    margin-bottom: 22px;
}

.fz-cp-hero-card h3 span {
    color: var(--fz-gold-light);
}

.fz-cp-hero-card ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.fz-cp-hero-card li {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, 0.9);
    font-size: 14.5px;
    font-weight: 500;
    padding: 12px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.fz-cp-hero-card li:first-child {
    border-top: 0;
    padding-top: 0;
}

.fz-cp-hero-card li i {
    flex: none;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: rgba(212, 165, 55, 0.18);
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
}

/* Generic section wrapper reused for every content band on this page */
.fz-cp-section {
    padding: 70px 0;
    position: relative;
    overflow: hidden;
}

.fz-cp-card {
    position: relative;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 16px;
    padding: 30px 26px;
    height: 100%;
    box-shadow: 0 10px 26px rgba(11, 42, 74, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.fz-cp-card:hover {
    transform: translateY(-6px);
    border-color: rgba(212, 165, 55, 0.35);
    box-shadow: 0 22px 44px rgba(11, 42, 74, 0.14);
}

.fz-cp-card-ico {
    width: 54px;
    height: 54px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-navy), var(--fz-navy-light));
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    margin-bottom: 18px;
    box-shadow: 0 10px 22px rgba(11, 42, 74, 0.2);
    transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease;
}

.fz-cp-card:hover .fz-cp-card-ico {
    transform: scale(1.08) rotate(-6deg);
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
}

.fz-cp-card h4 {
    font-size: 17px;
    font-weight: 700;
    color: var(--fz-ink);
    margin-bottom: 10px;
}

.fz-cp-card p {
    font-size: 14px;
    color: var(--fz-muted);
    line-height: 1.6;
    margin: 0;
}

.fz-cp-card-num {
    position: absolute;
    top: 22px;
    right: 24px;
    font-size: 34px;
    font-weight: 800;
    color: var(--fz-line);
    line-height: 1;
}

/* Affiliate plan cards */
.fz-cp-plan-card {
    position: relative;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 18px;
    padding: 28px 26px;
    height: 100%;
    box-shadow: 0 12px 28px rgba(11, 42, 74, 0.07);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.fz-cp-plan-card:hover {
    transform: translateY(-6px);
    border-color: rgba(212, 165, 55, 0.4);
    box-shadow: 0 22px 46px rgba(11, 42, 74, 0.14);
}

.fz-cp-plan-title {
    font-size: 19px;
    font-weight: 700;
    color: var(--fz-ink);
    margin-bottom: 8px;
}

.fz-cp-plan-desc {
    font-size: 13.5px;
    color: var(--fz-muted);
    line-height: 1.6;
    margin-bottom: 18px;
}

.fz-cp-plan-price {
    display: flex;
    align-items: baseline;
    gap: 8px;
    margin-bottom: 20px;
}

.fz-cp-plan-price .current {
    font-size: 26px;
    font-weight: 800;
    color: var(--fz-navy);
}

.fz-cp-plan-price .old {
    font-size: 15px;
    color: var(--fz-muted);
    text-decoration: line-through;
}

.fz-cp-plan-card .theme-btn {
    width: 100%;
    text-align: center;
}

.fz-cp-empty-state {
    text-align: center;
    background: #fff;
    border: 1px dashed var(--fz-line);
    border-radius: 18px;
    padding: 50px 30px;
}

.fz-cp-empty-state p {
    color: var(--fz-muted);
    font-size: 15px;
    margin-bottom: 22px;
}

@media (max-width: 991px) {
    .fz-cp-hero {
        padding: 46px 0 70px;
        text-align: center;
    }

    .fz-cp-desc {
        max-width: 100%;
    }

    .fz-cp-hero-actions {
        justify-content: center;
    }

    .fz-cp-hero-card {
        margin-top: 36px;
    }
}

@media (max-width: 767px) {
    .fz-cp-title {
        font-size: 28px;
    }

    .fz-cp-section {
        padding: 50px 0;
    }
}

/* ---------------------------------------------------------------
   Blog
   --------------------------------------------------------------- */
.fz-blog-card {
    display: block;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 16px;
    overflow: hidden;
    height: 100%;
    text-decoration: none;
    box-shadow: 0 10px 26px rgba(11, 42, 74, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.fz-blog-card:hover {
    transform: translateY(-6px);
    border-color: rgba(212, 165, 55, 0.35);
    box-shadow: 0 22px 44px rgba(11, 42, 74, 0.14);
    color: inherit;
}

.fz-blog-card-img {
    position: relative;
    width: 100%;
    padding-top: 58%;
    overflow: hidden;
    background: var(--box-bg);
}

.fz-blog-card-img img {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.4s ease;
}

.fz-blog-card:hover .fz-blog-card-img img {
    transform: scale(1.06);
}

.fz-blog-card-body {
    padding: 22px 22px 24px;
}

.fz-blog-card-date {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--fz-gold);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    margin-bottom: 10px;
}

.fz-blog-card h4 {
    font-size: 17px;
    font-weight: 700;
    color: var(--fz-ink);
    line-height: 1.4;
    margin-bottom: 10px;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.fz-blog-card p {
    font-size: 14px;
    color: var(--fz-muted);
    line-height: 1.6;
    margin-bottom: 14px;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.fz-blog-card-readmore {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--fz-navy);
    font-size: 13.5px;
    font-weight: 700;
}

.fz-blog-card:hover .fz-blog-card-readmore {
    color: var(--fz-gold);
}

/* Blog detail page */
.fz-blog-detail-img {
    width: 100%;
    max-height: 460px;
    object-fit: cover;
    border-radius: 18px;
    margin-bottom: 34px;
    box-shadow: 0 20px 50px rgba(11, 42, 74, 0.12);
}

.fz-blog-detail-meta {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px 22px;
    margin-bottom: 18px;
}

.fz-blog-detail-meta span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--fz-gold);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.fz-blog-title {
    font-size: 34px;
    font-weight: 800;
    color: var(--fz-ink);
    line-height: 1.3;
    letter-spacing: -0.3px;
    margin-bottom: 28px;
}

@media (max-width: 767px) {
    .fz-blog-title {
        font-size: 24px;
    }
}

.fz-blog-share {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 40px;
    padding-top: 26px;
    border-top: 1px solid var(--fz-line);
}

.fz-blog-share-label {
    font-size: 13.5px;
    font-weight: 700;
    color: var(--fz-ink);
    margin-right: 4px;
}

.fz-blog-share-ico {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--box-bg);
    color: var(--fz-navy);
    font-size: 15px;
    transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease;
}

.fz-blog-share-ico:hover {
    transform: translateY(-3px);
    color: #fff;
}

.fz-blog-share-ico.is-whatsapp:hover { background: #25D366; }
.fz-blog-share-ico.is-facebook:hover { background: #1877F2; }
.fz-blog-share-ico.is-twitter:hover { background: #000000; }
.fz-blog-share-ico.is-linkedin:hover { background: #0A66C2; }

.fz-blog-back {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-top: 24px;
    font-size: 14px;
    font-weight: 700;
    color: var(--fz-navy);
    text-decoration: none;
}

.fz-blog-back:hover {
    color: var(--fz-gold);
}

.fz-blog-sidebar-cta {
    text-align: center;
    background: linear-gradient(150deg, var(--fz-navy) 0%, var(--fz-navy-dark) 100%);
    border-radius: 18px;
    padding: 34px 26px;
    box-shadow: 0 20px 46px rgba(11, 42, 74, 0.2);
}

.fz-blog-sidebar-cta-icon {
    width: 54px;
    height: 54px;
    margin: 0 auto 18px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    box-shadow: 0 10px 22px rgba(212, 165, 55, 0.35);
}

.fz-blog-sidebar-cta h4 {
    color: #fff;
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 10px;
}

.fz-blog-sidebar-cta p {
    color: rgba(255, 255, 255, 0.7);
    font-size: 13.5px;
    line-height: 1.6;
    margin-bottom: 22px;
}

.fz-blog-content {
    font-size: 15.5px;
    line-height: 1.8;
    color: var(--fz-muted);
}

.fz-blog-content h2,
.fz-blog-content h3,
.fz-blog-content h4 {
    color: var(--fz-ink);
    font-weight: 700;
    margin: 30px 0 14px;
}

.fz-blog-content p {
    margin-bottom: 18px;
}

.fz-blog-content img {
    max-width: 100%;
    height: auto;
    border-radius: 12px;
    margin: 10px 0 20px;
}

.fz-blog-content ul,
.fz-blog-content ol {
    margin-bottom: 18px;
    padding-left: 22px;
}

.fz-blog-content li {
    margin-bottom: 8px;
}

.fz-blog-content a {
    color: var(--fz-navy);
    font-weight: 600;
    text-decoration: underline;
}

.fz-blog-sidebar-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--fz-ink);
    margin-bottom: 20px;
    padding-bottom: 14px;
    border-bottom: 1px solid var(--fz-line);
}

.fz-blog-sidebar-item {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 18px;
    text-decoration: none;
}

.fz-blog-sidebar-item:last-child {
    margin-bottom: 0;
}

.fz-blog-sidebar-item-img {
    flex: none;
    width: 64px;
    height: 64px;
    border-radius: 12px;
    overflow: hidden;
    background: var(--box-bg);
}

.fz-blog-sidebar-item-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.fz-blog-sidebar-item h5 {
    font-size: 14px;
    font-weight: 600;
    color: var(--fz-ink);
    line-height: 1.4;
    margin: 0;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
    transition: color 0.3s ease;
}

.fz-blog-sidebar-item:hover h5 {
    color: var(--fz-gold);
}

/* ---------------------------------------------------------------
   Sign In
   --------------------------------------------------------------- */
.fz-auth-section {
    padding: 70px 0;
    background: var(--box-bg);
}

.fz-auth-card {
    display: flex;
    max-width: 960px;
    margin: 0 auto;
    background: #fff;
    border-radius: 24px;
    overflow: hidden;
    box-shadow: 0 30px 70px rgba(11, 42, 74, 0.14);
}

.fz-auth-visual {
    position: relative;
    flex: 0 0 42%;
    background: linear-gradient(150deg, var(--fz-navy) 0%, var(--fz-navy-dark) 100%);
    padding: 48px 40px;
    display: flex;
    align-items: center;
    overflow: hidden;
}

.fz-auth-visual::before {
    content: '';
    position: absolute;
    top: -110px;
    right: -90px;
    width: 280px;
    height: 280px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.2), transparent 70%);
    pointer-events: none;
}

.fz-auth-visual::after {
    content: '';
    position: absolute;
    bottom: -120px;
    left: -80px;
    width: 240px;
    height: 240px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.06), transparent 70%);
    pointer-events: none;
}

.fz-auth-visual-inner {
    position: relative;
    z-index: 1;
}

.fz-auth-logo {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    margin-bottom: 26px;
    box-shadow: 0 10px 26px rgba(212, 165, 55, 0.4);
}

.fz-auth-visual-inner h2 {
    color: #fff;
    font-size: 27px;
    font-weight: 800;
    line-height: 1.3;
    margin-bottom: 14px;
}

.fz-auth-visual-inner p {
    color: rgba(255, 255, 255, 0.7);
    font-size: 14.5px;
    line-height: 1.7;
    margin-bottom: 30px;
}

.fz-auth-visual-list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.fz-auth-visual-list li {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, 0.9);
    font-size: 14px;
    font-weight: 500;
    padding: 12px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.fz-auth-visual-list li:first-child {
    border-top: 0;
    padding-top: 0;
}

.fz-auth-visual-list li span {
    flex: none;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: rgba(212, 165, 55, 0.18);
    color: var(--fz-gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
}

.fz-auth-form-panel {
    flex: 1 1 auto;
    padding: 48px 44px;
}

.fz-auth-form-head {
    margin-bottom: 28px;
}

.fz-auth-form-head h3 {
    font-size: 26px;
    font-weight: 800;
    color: var(--fz-ink);
    margin-bottom: 6px;
}

.fz-auth-form-head p {
    color: var(--fz-muted);
    font-size: 14.5px;
    margin: 0;
}

.fz-auth-alert {
    display: flex;
    align-items: center;
    gap: 8px;
    background: rgba(179, 65, 63, 0.08);
    border: 1px solid rgba(179, 65, 63, 0.25);
    color: #b3413f;
    border-radius: 10px;
    padding: 12px 16px;
    font-size: 14px;
    margin-bottom: 20px;
}

.fz-auth-input-box {
    margin-bottom: 20px;
}

.fz-auth-label {
    display: block;
    font-size: 13.5px;
    font-weight: 600;
    color: var(--fz-ink);
    margin-bottom: 8px;
}

.fz-auth-input {
    position: relative;
    display: flex;
    align-items: center;
}

.fz-auth-input i {
    position: absolute;
    left: 16px;
    color: var(--fz-muted);
    font-size: 14px;
    transition: color 0.3s ease;
}

.fz-auth-input input {
    width: 100%;
    background: var(--box-bg);
    border: 1.5px solid var(--fz-line);
    border-radius: 12px;
    padding: 13px 16px 13px 44px;
    font-size: 14.5px;
    color: var(--fz-ink);
    transition: border-color 0.3s ease, background 0.3s ease;
}

.fz-auth-input input:focus {
    outline: none;
    border-color: var(--fz-gold);
    background: #fff;
}

.fz-auth-input input:focus + i,
.fz-auth-input:focus-within i {
    color: var(--fz-gold);
}

.fz-auth-error {
    display: flex;
    align-items: center;
    gap: 6px;
    color: #b3413f;
    font-size: 12.5px;
    margin-top: 6px;
}

.fz-auth-options {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 26px;
}

.fz-auth-remember {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13.5px;
    color: var(--fz-muted);
}

.fz-auth-remember input {
    accent-color: var(--fz-navy);
}

.fz-auth-forgot {
    font-size: 13.5px;
    font-weight: 600;
    color: var(--fz-navy);
    text-decoration: none;
}

.fz-auth-forgot:hover {
    color: var(--fz-gold);
}

.fz-auth-submit {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: 100%;
    border: none;
    cursor: pointer;
}

.fz-auth-footer-link {
    text-align: center;
    margin-top: 22px;
    font-size: 13.5px;
    color: var(--fz-muted);
}

.fz-auth-footer-link a {
    color: var(--fz-navy);
    font-weight: 700;
    text-decoration: none;
}

.fz-auth-footer-link a:hover {
    color: var(--fz-gold);
}

@media (max-width: 767px) {
    .fz-auth-section {
        padding: 40px 0;
    }

    .fz-auth-card {
        flex-direction: column;
        border-radius: 18px;
    }

    .fz-auth-visual {
        flex: none;
        padding: 34px 28px;
    }

    .fz-auth-visual-inner h2 {
        font-size: 22px;
    }

    .fz-auth-form-panel {
        padding: 34px 24px;
    }
}

/* ---------------------------------------------------------------
   Letter-by-letter title reveal (see fz-title-reveal.js)
   --------------------------------------------------------------- */
.fz-word {
    display: inline-block;
    /* Passes the .gradient-text background-clip chain through to nested
       .fz-letter spans — without this, the gradient stops at .fz-word. */
    background: inherit;
}

.fz-letter {
    display: inline-block;
    opacity: 0;
    transform: translateY(22px);
    transition: opacity 0.45s ease, transform 0.45s ease;
    white-space: pre;
}

.fz-split-title.fz-in-view .fz-letter {
    opacity: 1;
    transform: translateY(0);
}

/* Letters split out of a .gradient-text span lose the parent's text-clipped
   gradient (each becomes its own inline-block box), so re-apply it per letter. */
.gradient-text .fz-letter {
    background: inherit;
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    color: transparent;
}

@media (prefers-reduced-motion: reduce) {
    .fz-letter {
        opacity: 1;
        transform: none;
        transition: none;
    }
}

/* ---------------------------------------------------------------
   Own Branding / Plans page
   --------------------------------------------------------------- */
.fz-plan-points {
    list-style: none;
    margin: 0 0 22px;
    padding: 0;
}

.fz-plan-points li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13.5px;
    color: var(--fz-muted);
    line-height: 1.5;
    padding: 7px 0;
    border-top: 1px solid var(--fz-line);
}

.fz-plan-points li:first-child {
    border-top: 0;
    padding-top: 0;
}

.fz-plan-points li i {
    flex: none;
    margin-top: 3px;
    color: var(--fz-navy);
    font-size: 12px;
}

.fz-table-wrap {
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 18px;
    overflow: hidden;
    box-shadow: 0 12px 28px rgba(11, 42, 74, 0.07);
}

.fz-table {
    width: 100%;
    margin: 0;
    border-collapse: collapse;
}

.fz-table thead th {
    background: linear-gradient(135deg, var(--fz-navy) 0%, var(--fz-navy-light) 100%);
    color: #fff;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.3px;
    padding: 16px 20px;
    white-space: nowrap;
    border: 0;
}

.fz-table tbody td {
    padding: 15px 20px;
    font-size: 14px;
    color: var(--fz-muted);
    border-top: 1px solid var(--fz-line);
    vertical-align: middle;
}

.fz-table tbody td strong {
    color: var(--fz-ink);
}

.fz-table tbody tr:hover {
    background: var(--box-bg2);
}

.fz-table tbody tr.is-recommended {
    background: var(--box-bg2);
    box-shadow: inset 3px 0 0 var(--fz-gold);
}

.fz-table-badge {
    display: inline-block;
    margin-left: 8px;
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    font-size: 10.5px;
    font-weight: 800;
    letter-spacing: 0.4px;
    text-transform: uppercase;
    padding: 3px 10px;
    border-radius: 999px;
    white-space: nowrap;
    vertical-align: middle;
}

.fz-table-note {
    font-size: 12.5px;
    color: var(--fz-muted);
    margin: 12px 4px 0;
}

.fz-earnings-standalone {
    max-width: 420px;
    margin: 0 auto;
}

/* Subtle depth blobs reused on every fz-cp-section band across Own Branding
   and Channel Partner pages, echoing the hero/market sections' treatment. */
.fz-cp-section::before {
    content: '';
    position: absolute;
    top: -90px;
    right: -70px;
    width: 280px;
    height: 280px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 165, 55, 0.09), transparent 70%);
    pointer-events: none;
}

.fz-cp-section::after {
    content: '';
    position: absolute;
    bottom: -110px;
    left: -80px;
    width: 240px;
    height: 240px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(10, 27, 51, 0.05), transparent 70%);
    pointer-events: none;
}

.fz-cp-section .container {
    position: relative;
    z-index: 1;
}

/* Hero trust badge pills */
.fz-cp-hero-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 30px;
}

.fz-cp-hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.16);
    color: rgba(255, 255, 255, 0.88);
    padding: 9px 18px;
    border-radius: 999px;
    font-size: 12.5px;
    font-weight: 600;
    letter-spacing: 0.2px;
    backdrop-filter: blur(4px);
}

.fz-cp-hero-badge i {
    color: var(--fz-gold-light);
    font-size: 12px;
}

/* Reusable ribbon badge for a highlighted / recommended card */
.fz-badge-ribbon {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    background: linear-gradient(135deg, var(--fz-gold) 0%, var(--fz-gold-light) 100%);
    color: var(--fz-ink);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.6px;
    text-transform: uppercase;
    padding: 6px 18px;
    border-radius: 999px;
    box-shadow: 0 10px 20px rgba(212, 165, 55, 0.4);
    white-space: nowrap;
    z-index: 2;
}

.fz-cp-plan-card.is-popular {
    border-color: rgba(212, 165, 55, 0.5);
    box-shadow: 0 26px 55px rgba(212, 165, 55, 0.2);
}

/* Earning-potential grid: "Loan Disbursed → You Earn" stat cards */
.fz-earn-card {
    position: relative;
    background: #fff;
    border: 1px solid var(--fz-line);
    border-radius: 18px;
    padding: 32px 22px;
    height: 100%;
    text-align: center;
    box-shadow: 0 12px 28px rgba(11, 42, 74, 0.06);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.fz-earn-card:hover {
    transform: translateY(-8px);
    border-color: rgba(212, 165, 55, 0.4);
    box-shadow: 0 26px 50px rgba(11, 42, 74, 0.14);
}

.fz-earn-card .fz-ico {
    margin: 0 auto 16px;
}

.fz-earn-card-label {
    display: block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--fz-muted);
}

.fz-earn-card-loan {
    font-size: 19px;
    font-weight: 700;
    color: var(--fz-ink);
    margin: 6px 0 18px;
}

.fz-earn-card-divider {
    width: 32px;
    height: 32px;
    line-height: 32px;
    margin: 0 auto 14px;
    border-radius: 50%;
    background: var(--box-bg2);
    color: var(--fz-gold);
    font-size: 12px;
}

.fz-earn-card-amount {
    font-size: 27px;
    font-weight: 800;
    letter-spacing: -0.3px;
    margin: 4px 0 0;
    background: linear-gradient(90deg, var(--fz-navy) 0%, var(--fz-gold) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

@media (max-width: 767px) {
    .fz-cp-hero-badges {
        justify-content: center;
    }
}