* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html, body {
    height: 100%;
}

 /* ================= NAVBAR ================= */
.ffa-navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 25px;
    background: linear-gradient(
    120deg,
    #f8faff 0%,
    #e7edff 20%,
    #c9d3fa 45%,
    #8ca0eb 75%,
    #4e69d3 100%
);
    font-family: Arial, sans-serif;

    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 9999;
    box-sizing: border-box;
}

body {
    padding-top: 80px;
}

.logo img {
    height: 60px;
}

/* MENU */
.menu {
    list-style: none;
    display: flex;
    gap: 20px;
    align-items: center;
    margin: 0;
    padding: 0;
}

.menu li {
    position: relative;
}

.menu li a {
    color: white;
    text-decoration: none;
    font-weight: 600;
    padding: 10px 12px;
    display: block;
}

.menu li a:hover {
    color: #ffd60a;
}

/* ARROW */
.arrow {
    font-size: 12px;
    margin-left: 6px;
    opacity: 0.9;
}

/* DESKTOP DROPDOWN */
.dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    background: #1b4332;
    min-width: 220px;
    border-radius: 6px;
    list-style: none;
    margin: 0;
    padding: 0;
}

.dropdown:hover .dropdown-menu {
    display: block;
}

.dropdown-menu li a {
    padding: 12px 15px;
    color: #fff;
}

.dropdown-menu li a:hover {
    background: #2d6a4f;
    color: #ffd60a;
}

/* MOBILE BUTTON */
.mobile-menu-btn {
    display: none;
    background: #ffd60a;
    color: #000;
    border: none;
    padding: 10px 14px;
    border-radius: 6px;
    font-weight: bold;
    cursor: pointer;
}

/* ================= MOBILE ================= */
@media (max-width:768px) {

    .mobile-menu-btn {
        display: block;
    }

    .menu {
        display: none;
        flex-direction: column;
        position: fixed;
        top: 79px;
        left: 0;
        width: 100%;
        background: #1b4332;
        gap: 0;
        margin: 0;
        padding: 0;
    }

    .menu.show {
        display: flex;
    }

    .menu li {
        width: 100%;
    }

    .menu li a {
        padding: 15px;
        border-bottom: 1px solid rgba(255,255,255,0.08);
    }

    /* ✅ FIXED MOBILE DROPDOWN (NO STACKING / CLEAN BEHAVIOR) */
    .dropdown-menu {
        display: none;
        position: static;
        width: 100%;
        background: #2d6a4f;
        border-radius: 0;
        margin: 0;
        padding: 0;
    }

    /* IMPORTANT FIX */
    .dropdown-menu.mobile-dropdown-show {
        display: block;
    }

    .dropdown-menu li {
        width: 100%;
    }

    .dropdown-menu li a {
        padding-left: 35px;
        font-size: 14px;
        border-bottom: 1px solid rgba(255,255,255,0.05);
    }

    /* disable hover on mobile */
    .dropdown:hover .dropdown-menu {
        display: none;
    }
}

.video-slider {
    position: relative;
    width: 100%;
    height: 90vh;
    overflow: hidden;
}

.bg-video {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* IMPORTANT FIX: relative container */
.overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;

    display: flex;
    align-items: center;
    justify-content: flex-start;

    padding-left: 8%;

    background: linear-gradient(
        90deg,
        rgba(0,0,0,0.75),
        rgba(0,0,0,0.3),
        rgba(0,0,0,0.1)
    );

    position: absolute;
}

.text-box {
    position: absolute;
    max-width: 600px;
    color: white;

    opacity: 0;
    transform: translateX(-40px);

    transition: opacity 0.7s ease, transform 0.7s ease;
}

/* ACTIVE STATE */
.text-box.active {
    opacity: 1;
    transform: translateX(0);
}

/* TITLE (clean + bold + modern) */
.text-box h1 {
    font-size: 54px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 12px;
    line-height: 1.1;
    text-transform: uppercase;
}

/* DESCRIPTION (clean + elegant) */
.text-box p {
    font-size: 20px;
    font-weight: 300;
    opacity: 0.9;
    line-height: 1.6;
    max-width: 500px;
}

/* MOBILE STYLING */
@media (max-width: 768px) {
    .text-box h1 {
        font-size: 28px;
        letter-spacing: 0.5px;
    }

    .text-box p {
        font-size: 14px;
    }
}
.right-float-buttons {
    position: fixed;
    right: 20px;
    bottom: 20px;

    display: flex;
    flex-direction: column;
    gap: 12px;

    z-index: 9999;
}

/* BUTTON STYLE */
.float-btn {
    padding: 12px 18px;
    background:#4e69d3;   /* solid yellow */
    color: #1a1a1a;        /* dark text for contrast */
    text-decoration: none;
    font-family: Arial, sans-serif;
    font-weight: 700;
    border-radius: 50px;
    min-width: 170px;
    text-align: center;

    box-shadow: 0 6px 18px rgba(0,0,0,0.25);
    transition: 0.3s ease;
}

/* HOVER */
.float-btn:hover {
    transform: translateY(-3px) scale(1.05);
    background: #ffe14d; /* lighter yellow on hover */
    box-shadow: 0 10px 22px rgba(0,0,0,0.35);
}

/* MOBILE */
@media (max-width: 768px) {
    .right-float-buttons {
        right: 10px;
        bottom: 15px;
    }

    .float-btn {
        padding: 10px 14px;
        font-size: 14px;
        min-width: 150px;
    }
}

.what-we-do {
    padding: 60px 20px;
    background: #f8f9fa;
    font-family: Arial, sans-serif;
    text-align: center;
}

.what-we-do h2 {
    font-size: 36px;
    color: #1b4332;
    margin-bottom: 10px;
}

.subtitle {
    max-width: 700px;
    margin: 0 auto 40px;
    font-size: 16px;
    color: #555;
    line-height: 1.6;
}

/* GRID */
.services {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

/* BOX */
.service-box {
    background: white;
    padding: 25px;
    border-radius: 12px;
    box-shadow: 0 5px 20px rgba(0,0,0,0.08);
    transition: 0.3s ease;
    text-align: left;
}

.service-box h3 {
    color: #2d6a4f;
    margin-bottom: 10px;
    font-size: 18px;
}

.service-box p {
    font-size: 14px;
    color: #444;
    line-height: 1.6;
}

/* HOVER */
.service-box:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.12);
}

/* TABLET */
@media (max-width: 1024px) {
    .services {
        grid-template-columns: repeat(2, 1fr);
    }
}

/* MOBILE */
@media (max-width: 768px) {
    .services {
        grid-template-columns: 1fr;
    }

    .what-we-do h2 {
        font-size: 28px;
    }
}

.more-btn {
    display: inline-block;
    margin-top: 12px;
    padding: 8px 16px;
    background: #0d3b66;
    color: #1a1a1a;
    font-weight: 700;
    font-size: 13px;
    text-decoration: none;
    border-radius: 20px;
    transition: 0.3s ease;
}

/* hover effect */
.more-btn:hover {
    background: #ffe14d;
    transform: translateY(-2px);
}
.mini-banner-rm{
    width:100%;
    min-height:220px;
    background:url('../../uploads/banner/ChatGPT Image Jun 22, 2026, 10_44_19 PM.png') center center/cover no-repeat;
    display:flex;
    justify-content:flex-end;
    align-items:center;
    padding:20px 5%;
    box-sizing:border-box;
    position:relative;
}

.mini-banner-rm::before{
    content:'';
    position:absolute;
    top:0;
    left:0;
    width:100%;
    height:100%;
    background:rgba(0,0,0,0.35);
}

.mini-banner-content-rm{
    position:relative;
    z-index:2;
    max-width:450px;
    text-align:right;
    color:#fff;
}

.mini-banner-content-rm h2{
    margin:0 0 10px;
    font-size:2rem;
    font-weight:700;
}

.mini-banner-content-rm p{
    margin-bottom:15px;
    line-height:1.6;
    font-size:1rem;
}

.mini-banner-btn-rm{
    display:inline-block;
    padding:10px 24px;
    background:#4e69d3;
    color:#fff;
    text-decoration:none;
    border-radius:30px;
    font-weight:600;
    transition:0.3s;
}

.mini-banner-btn-rm:hover{
    transform:translateY(-2px);
}

/* Tablet */
@media (max-width:768px){
    .mini-banner-rm{
        min-height:180px;
        justify-content:center;
    }

    .mini-banner-content-rm{
        text-align:center;
        max-width:100%;
    }

    .mini-banner-content-rm h2{
        font-size:1.6rem;
    }
}

/* Mobile */
@media (max-width:480px){
    .mini-banner-rm{
        min-height:150px;
        padding:15px;
    }

    .mini-banner-content-rm h2{
        font-size:1.3rem;
    }

    .mini-banner-content-rm p{
        font-size:0.9rem;
    }
}

/* WHY CHOOSE FFA */
.ffa-why-section{
    max-width:1200px;
    margin:20px auto 50px;   /* reduced top space + controlled bottom */
    padding:10px 20px;       /* tighter padding */
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:40px;
    align-items:center;
    font-family:Arial,sans-serif;
}

/* LEFT IMAGE AREA */
.ffa-slider-container{
    position:relative;
    width:100%;
    height:420px;   /* slightly reduced for balance */
    overflow:hidden;
    border-radius:15px;
    box-shadow:0 10px 25px rgba(0,0,0,.10);
}

/* SLIDES */
.ffa-slide{
    position:absolute;
    width:100%;
    height:100%;
    opacity:0;
    transition:opacity 0.8s ease;
}

.ffa-slide.active{
    opacity:1;
}

.ffa-slide img{
    width:100%;
    height:100%;
    object-fit:cover;
}

/* RIGHT CONTENT */
.ffa-tag{
    background:#4e69d3;
    color:#000;
    padding:6px 14px;
    border-radius:30px;
    font-size:12px;
    font-weight:700;
}

.ffa-why-content h2{
    margin-top:10px;
    color:#1b4332;
    font-size:36px;
    line-height:1.2;
}

.ffa-why-content p{
    color:#555;
    line-height:1.7;
    margin:15px 0;
}

.ffa-benefit{
    margin-bottom:10px;
    color:#333;
    font-weight:600;
}

/* BUTTON */
.ffa-why-btn{
    display:inline-block;
    margin-top:18px;
    background:#4e69d3;
    color:#fff;
    text-decoration:none;
    padding:10px 22px;
    border-radius:50px;
    font-weight:700;
    transition:.3s;
}

.ffa-why-btn:hover{
    background:#ffe14d;
    transform:translateY(-2px);
}

/* MOBILE */
@media(max-width:768px){

    .ffa-why-section{
        grid-template-columns:1fr;
        margin:10px auto 40px; /* tighter on mobile too */
        padding:10px;
    }

    .ffa-slider-container{
        height:260px;
    }

    .ffa-why-content h2{
        font-size:26px;
    }
}
.ffa-times-font {
    font-family: "Times New Roman", Times, serif;
    letter-spacing: 0.3px;
}

/* WRAPPER */
.impact-contact-wrapper{
    background:#f8f9fa;
    padding:60px 15px;
    font-family:Arial, sans-serif;
}

/* MAIN CONTAINER */
.impact-contact-container{
    max-width:1100px;
    margin:auto;
    display:flex;
    gap:30px;
    flex-wrap:wrap;
}

/* BOTH SIDES */
.impact-section,
.contact-section{
    flex:1;
    min-width:300px;
    background:#fff;
    padding:25px;
    border-radius:14px;
    box-shadow:0 10px 25px rgba(0,0,0,0.08);
}

/* TITLES */
.impact-section h2,
.contact-section h2{
    color:#1b4332;
    margin-bottom:10px;
}

/* TEXT */
.impact-section p{
    color:#555;
    margin-bottom:20px;
    line-height:1.6;
}

/* IMPACT GRID */
.impact-grid{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:15px;
}

/* BOXES */
.impact-box{
    background:#f8f9fa;
    padding:18px;
    border-left:4px solid #ffd60a;
    border-radius:10px;
}

.impact-box h3{
    color:#1b4332;
    margin-bottom:5px;
}

/* FORM */
.contact-form input,
.contact-form textarea{
    width:100%;
    padding:12px;
    margin-bottom:12px;
    border:1px solid #ddd;
    border-radius:8px;
    outline:none;
}

.contact-form button{
    width:100%;
    padding:12px;
    background:#4e69d3;
    border:none;
    font-weight:700;
    border-radius:8px;
    cursor:pointer;
}

.contact-form button:hover{
    background:#ffe14d;
}

/* MOBILE */
@media(max-width:768px){
    .impact-contact-container{
        flex-direction:column;
    }
}

/* SECTION */
.clients-section{
    padding:70px 20px;
    background:#fff;
    text-align:center;
    font-family:Arial, sans-serif;
}

/* TITLE */
.clients-section h2{
    font-size:34px;
    color:#1b4332;
    margin-bottom:10px;
}

/* DESCRIPTION */
.clients-section p{
    color:#555;
    max-width:750px;
    margin:0 auto 40px;
    line-height:1.6;
}

/* GRID */
.clients-grid{
    max-width:1100px;
    margin:auto;
    display:grid;
    grid-template-columns:repeat(5, 1fr);
    gap:20px;
}

/* BOX */
.client-box{
    background:#f8f9fa;
    padding:20px;
    border-radius:12px;
    display:flex;
    align-items:center;
    justify-content:center;
    height:90px;
    border:1px solid #eee;
    transition:0.3s;
}

/* LOGO IMAGE */
.client-box img{
    max-width:100%;
    max-height:75px;
    object-fit:contain;
}

/* HOVER EFFECT */
.client-box:hover{
    transform:translateY(-5px);
    border-color:#ffd60a;
    box-shadow:0 10px 20px rgba(0,0,0,0.08);
}

/* RESPONSIVE */
@media(max-width:900px){
    .clients-grid{
        grid-template-columns:repeat(3, 1fr);
    }
}

@media(max-width:600px){
    .clients-grid{
        grid-template-columns:repeat(2, 1fr);
    }
}

/* SECTION */
.testimonials-section{
    padding:70px 20px;
    background:#f8f9fa;
    text-align:center;
    font-family:Arial, sans-serif;
}

/* TITLE */
.testimonials-section h2{
    font-size:34px;
    color:#1b4332;
    margin-bottom:10px;
}

/* INTRO TEXT */
.testimonials-section p{
    color:#555;
    max-width:750px;
    margin:0 auto 40px;
    line-height:1.6;
}

/* GRID */
.testimonials-grid{
    max-width:1100px;
    margin:auto;
    display:grid;
    grid-template-columns:repeat(3, 1fr);
    gap:20px;
}

/* CARD */
.testimonial-card{
    background:#fff;
    padding:25px;
    border-radius:12px;
    box-shadow:0 10px 25px rgba(0,0,0,0.08);
    border-left:4px solid #58a370;
    text-align:left;
    transition:0.3s;
}

/* HOVER */
.testimonial-card:hover{
    transform:translateY(-5px);
}

/* TEXT */
.testimonial-card p{
    color:#555;
    font-style:italic;
    line-height:1.6;
}

/* NAME */
.testimonial-card h4{
    margin-top:15px;
    color:#1b4332;
    font-weight:700;
}

/* RESPONSIVE */
@media(max-width:900px){
    .testimonials-grid{
        grid-template-columns:1fr;
    }
}


/* SECTION */
.news-section{
    padding:60px 20px;
    background:#fff;
    font-family:Arial, sans-serif;
}

/* CONTAINER */
.news-container{
    max-width:1100px;
    margin:auto;
    display:grid;
    grid-template-columns:1fr 1.2fr;
    gap:30px;
    align-items:stretch;
}

/* IMAGE STACK */
.news-image-stack{
    display:flex;
    flex-direction:column;
    gap:15px;
}

/* IMAGE BOX */
.news-image{
    height:160px;
    border-radius:14px;
    overflow:hidden;
}

/* IMAGE */
.news-image img{
    width:100%;
    height:100%;
    object-fit:cover;
    display:block;
}

/* RIGHT CONTENT */
.news-content{
    display:flex;
    flex-direction:column;
    justify-content:center;
}

/* NEWS ITEMS */
.news-list{
    display:flex;
    flex-direction:column;
    gap:15px;
}

/* NEWS ITEM */
.news-item{
    background:#f8f9fa;
    padding:15px 18px;
    border-left:4px solid #ffd60a;
    border-radius:10px;
    transition:0.3s;
}

.news-item:hover{
    transform:translateX(5px);
}

/* -------------------- */
/* 📱 MOBILE CONTROL */
/* -------------------- */
@media(max-width:900px){

    .news-container{
        grid-template-columns:1fr;
    }

    .news-image{
        height:220px;
    }

    /* HIDE SECOND IMAGE ON MOBILE */
    .hide-mobile{
        display:none;
    }
}
.ffa-stats-graphic{
    width:100%;
    padding:80px 5%;
    background:#ffffff;
}

.ffa-stats-wrapper{
    max-width:1200px;
    margin:auto;
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:25px;
}

/* CARD STYLE */
.ffa-stat-card{
    background:#f8fafc;
    padding:30px 20px;
    border-radius:16px;
    text-align:center;
    box-shadow:0 6px 20px rgba(0,0,0,0.06);
    transition:0.3s ease;
}

.ffa-stat-card:hover{
    transform:translateY(-8px);
    box-shadow:0 10px 25px rgba(0,0,0,0.12);
}

/* ICON */
.ffa-icon{
    width:70px;
    height:70px;
    margin:0 auto 15px;
    display:flex;
    align-items:center;
    justify-content:center;
    background:#e0f2fe;
    border-radius:50%;
}

.ffa-icon img{
    width:40px;
    height:40px;
}

/* TEXT */
.ffa-stat-card h3{
    font-size:18px;
    margin-bottom:10px;
    color:#0f172a;
}

.ffa-stat-card p{
    font-size:14px;
    color:#555;
    line-height:1.6;
}

/* RESPONSIVE */
@media(max-width:900px){
    .ffa-stats-wrapper{
        grid-template-columns:repeat(2,1fr);
    }
}

@media(max-width:600px){
    .ffa-stats-wrapper{
        grid-template-columns:1fr;
    }
}
.footer-ffa-rm {
    background: #0f2d24;
    color: #ffffff;
    padding: 50px 20px 20px;
    font-family: Arial, sans-serif;
}

/* MAIN CONTAINER */
.footer-container-rm {
    display: flex;
    justify-content: space-between;
    gap: 30px;
    max-width: 1100px;
    margin: auto;
    flex-wrap: wrap;
}

/* COLUMNS */
.footer-column-rm {
    flex: 1;
    min-width: 250px;
}

.footer-column-rm h3 {
    margin-bottom: 15px;
    color: #ffd60a;
    font-size: 18px;
}

.footer-column-rm p {
    line-height: 1.6;
    font-size: 14px;
    color: #e0e0e0;
}

/* LINKS */
.footer-column-rm ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-column-rm ul li {
    margin-bottom: 10px;
}

.footer-column-rm ul li a {
    color: #ffffff;
    text-decoration: none;
    font-size: 14px;
    transition: 0.3s;
}

.footer-column-rm ul li a:hover {
    color: #ffd60a;
    padding-left: 5px;
}

/* EMAIL */
.footer-column-rm a {
    color: #ffd60a;
    text-decoration: none;
}

/* BOTTOM */
.footer-bottom-rm {
    text-align: center;
    margin-top: 40px;
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 15px;
    font-size: 13px;
    color: #cccccc;
}

/* ================= RESPONSIVE ================= */

@media (max-width: 768px) {

    .footer-container-rm {
        flex-direction: column;
        text-align: left;
    }

    .footer-column-rm {
        min-width: 100%;
    }

    .footer-bottom-rm {
        font-size: 12px;
    }
}

/* HERO */
.ffa-profile-hero{
    background:url('uploads/sebastian-unrau-sp-p7uuT0tw-unsplash.jpg') center center/cover no-repeat;
    color:#fff;
    text-align:center;
    padding:100px 20px;
    position:relative;
}

/* DARK OVERLAY */
.ffa-profile-hero::before{
    content:"";
    position:absolute;
    top:0;
    left:0;
    width:100%;
    height:100%;
    background:rgba(0,0,0,0.55);
}

.ffa-profile-hero h1,
.ffa-profile-hero p,
.ffa-profile-hero span{
    position:relative;
    z-index:2;
}

.ffa-profile-hero h1{
    font-size:3rem;
    margin-bottom:10px;
}

.ffa-profile-hero p{
    font-size:1.3rem;
}

.ffa-profile-hero span{
    display:block;
    margin-top:10px;
    opacity:.9;
}

/* GENERAL SECTION */
.ffa-profile-section{
    max-width:1200px;
    margin:25px auto;
    padding:0 20px;
}

/* ROW LAYOUT */
.ffa-profile-row{
    display:flex;
    align-items:center;
    gap:50px;
}

.ffa-profile-row.reverse{
    flex-direction:row-reverse;
}

/* TEXT */
.ffa-profile-row .text{
    flex:1;
}

.ffa-profile-row .text h2{
    color:#1b4332;
    margin-bottom:15px;
    font-size:2rem;
}

.ffa-profile-row .text p{
    margin-bottom:15px;
    line-height:1.8;
    color:#444;
}

/* IMAGE */
.ffa-profile-row .image{
    flex:1;
}

.ffa-profile-row img{
    width:100%;
    border-radius:12px;
    display:block;
    box-shadow:0 4px 20px rgba(0,0,0,.08);
}

/* TITLES */
.center-title{
    text-align:center;
    color:#1b4332;
    margin-bottom:40px;
    font-size:2rem;
}

/* CARDS */
.ffa-cards {
    display: flex;
    flex-wrap: nowrap;      /* forces single line */
    gap: 20px;
    justify-content: space-between;
    overflow-x: auto;       /* prevents breaking layout */
}

.ffa-card {
    flex: 0 0 24%;          /* exactly 4 cards in one row */
    min-width: 250px;       /* prevents squeezing too much */
    background: #fff;
    padding: 20px;
    border-radius: 12px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
}

@media (max-width: 900px) {
    .ffa-card {
        flex: 0 0 80%;
    }

    .ffa-cards {
        flex-wrap: nowrap;
    }
}

.ffa-card:hover{
    transform:translateY(-5px);
}

.ffa-card h3{
    color:#58a370;
    margin-bottom:15px;
}

/* VIDEO */
.ffa-video-container{
    position:relative;
    width:100%;
    padding-bottom:56.25%;
    height:0;
    overflow:hidden;
    border-radius:12px;
    box-shadow:0 4px 20px rgba(0,0,0,.08);
}

.ffa-video-container iframe{
    position:absolute;
    top:0;
    left:0;
    width:100%;
    height:100%;
    border:none;
}

/* MILESTONES */
.ffa-milestones{
    max-width:900px;
    margin:auto;
    list-style:none;
    padding:0;
}

.ffa-milestones li{
    background:#fff;
    margin-bottom:15px;
    padding:18px;
    border-left:5px solid #2d6a4f;
    border-radius:8px;
    box-shadow:0 2px 10px rgba(0,0,0,.05);
}

/* MOBILE */
@media(max-width:768px){

    .ffa-profile-row,
    .ffa-profile-row.reverse{
        flex-direction:column;
        gap:25px;
    }

    .ffa-profile-hero{
        padding:80px 15px;
    }

    .ffa-profile-hero h1{
        font-size:2.1rem;
    }

    .ffa-profile-hero p{
        font-size:1.1rem;
    }

    .ffa-cards{
        grid-template-columns:1fr;
    }

    .center-title{
        font-size:1.7rem;
    }

    .ffa-profile-section{
        margin:50px auto;
    }
}
/* Financial Literacy */
.ffa-financial-hero{
    background: url('uploads/mauro-lima-b5YlVPjRH3A-unsplash.jpg') center center / cover no-repeat;
    color:#fff;
    text-align:center;
    padding:100px 20px;
    position:relative;
}

.ffa-financial-hero-management{
    background: url('uploads/sean-pollock-PhYq704ffdA-unsplash.jpg') center center / cover no-repeat;
    color:#fff;
    text-align:center;
    padding:100px 20px;
    position:relative;
}
.ffa-profile3098Chang-hero{
    background: url('uploads/chris-lawton-5IHz5WhosQE-unsplash.jpg') center center / cover no-repeat;
    color:#fff;
    text-align:center;
    padding:100px 20px;
    position:relative;
}
.financial-literacy-section{
    padding:80px 5%;
    background:#f8fafc;
}

.financial-header{
    text-align:center;
    margin-bottom:50px;
}

.financial-header h2{
    font-size:2.5rem;
    color:#0f172a;
    margin-bottom:15px;
}

.financial-header p{
    max-width:700px;
    margin:auto;
    color:#64748b;
    line-height:1.7;
}

.financial-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
    gap:30px;
}

.financial-card{
    background:#fff;
    border-radius:15px;
    overflow:hidden;
    box-shadow:0 5px 20px rgba(0,0,0,0.08);
    transition:0.3s ease;
}

.financial-card:hover{
    transform:translateY(-8px);
}

.financial-card img{
    width:100%;
    height:220px;
    object-fit:cover;
}

.financial-content{
    padding:25px;
}

.financial-content h3{
    color:#0f172a;
    margin-bottom:12px;
    font-size:1.2rem;
}

.financial-content p{
    color:#64748b;
    line-height:1.7;
}

@media(max-width:768px){
    .financial-header h2{
        font-size:2rem;
    }

    .financial-card img{
        height:200px;
    }
}
.ffa-financial-literacy-video-section{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:50px;
    padding:80px 5%;
    background:#ffffff;
}

.ffa-financial-literacy-content{
    flex:1;
}

.ffa-tag{
    display:inline-block;
    background:#4e69d3;
    color:#fff;
    padding:8px 18px;
    border-radius:30px;
    font-size:14px;
    font-weight:600;
    margin-bottom:15px;
}

.ffa-financial-literacy-content h2{
    font-size:2.5rem;
    color:#0d3b66;
    margin-bottom:20px;
    line-height:1.3;
}

.ffa-financial-literacy-content p{
    color:#555;
    line-height:1.9;
    margin-bottom:18px;
}

.ffa-financial-highlights{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:12px;
    margin-top:25px;
}

.ffa-financial-highlights div{
    background:#f8f9fa;
    padding:12px 15px;
    border-left:4px solid #f4a261;
    border-radius:6px;
    font-size:15px;
    color:#333;
}

.ffa-financial-literacy-video{
    flex:1;
}

.ffa-financial-literacy-video video{
    width:100%;
    border-radius:15px;
    display:block;
    box-shadow:0 10px 30px rgba(0,0,0,0.15);
}

@media(max-width:991px){

    .ffa-financial-literacy-video-section{
        flex-direction:column;
        gap:30px;
    }

    .ffa-financial-literacy-content h2{
        font-size:2rem;
    }

    .ffa-financial-highlights{
        grid-template-columns:1fr;
    }

    .ffa-financial-literacy-video,
    .ffa-financial-literacy-content{
        width:100%;
    }
}
.ffa-financial-literacy-video{
    flex:1;
}

.ffa-financial-literacy-video iframe{
    width:100%;
    height:450px;
    border:none;
    border-radius:15px;
    box-shadow:0 10px 30px rgba(0,0,0,0.15);
}

@media(max-width:991px){

    .ffa-financial-literacy-video iframe{
        height:300px;
    }

}
.ffa-investment-management{
    padding:80px 5%;
    background:#f8fafc;
}

.ffa-investment-container{
    max-width:1300px;
    margin:auto;
    display:flex;
    gap:50px;
    align-items:flex-start;
}

.ffa-investment-left{
    flex:1.3;
}

.ffa-investment-right{
    flex:1;
}

.ffa-investment-tag{
    display:inline-block;
    background:#ff7f50;
    color:#fff;
    padding:8px 18px;
    border-radius:30px;
    font-size:14px;
    font-weight:600;
    margin-bottom:15px;
}

.ffa-investment-left h2{
    font-size:2.8rem;
    color:#0d3b66;
    margin-bottom:20px;
}

.ffa-investment-left p{
    line-height:1.9;
    color:#555;
    margin-bottom:18px;
}

.ffa-investment-features{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:20px;
    margin-top:35px;
}

.ffa-feature-card{
    background:#fff;
    padding:25px;
    border-radius:12px;
    box-shadow:0 5px 15px rgba(0,0,0,.08);
    border-top:4px solid #ff7f50;
}

.ffa-feature-card h4{
    color:#1b4332;
    margin-bottom:10px;
}

.ffa-feature-card p{
    margin:0;
}

.ffa-investment-box{
    background:#0d3b66;
    color:#fff;
    padding:30px;
    border-radius:15px;
    margin-bottom:25px;
}

.ffa-investment-box h3{
    margin-bottom:20px;
}

.ffa-investment-box ul{
    list-style:none;
    padding:0;
    margin:0;
}

.ffa-investment-box li{
    padding:10px 0;
    border-bottom:1px solid rgba(255,255,255,.15);
}

.ffa-investment-box li:last-child{
    border-bottom:none;
}

.ffa-stat-card{
    background:#fff;
    padding:25px;
    margin-bottom:20px;
    border-radius:12px;
    box-shadow:0 5px 15px rgba(0,0,0,.08);
}

.ffa-stat-card h3{
    color:#1b4332;
    margin-bottom:10px;
}

.ffa-stat-card p{
    color:#555;
    line-height:1.7;
}

@media(max-width:992px){

    .ffa-investment-container{
        flex-direction:column;
    }

    .ffa-investment-features{
        grid-template-columns:1fr;
    }

    .ffa-investment-left h2{
        font-size:2rem;
    }
}
.ffa-change-modern{
    padding:80px 5%;
    background:#ffffff;
}

.ffa-change-container{
    display:flex;
    gap:50px;
    max-width:1200px;
    margin:auto;
    align-items:flex-start;
}

/* LEFT SIDE */
.ffa-change-left{
    flex:1.2;
}

.ffa-tag{
    display:inline-block;
    background:#4e69d3;
    color:#fff;
    padding:8px 18px;
    border-radius:30px;
    font-size:14px;
    font-weight:600;
    margin-bottom:15px;
}

.ffa-change-left h2{
    font-size:2.5rem;
    color:#0d3b66;
    margin-bottom:20px;
}

.ffa-change-left p{
    color:#555;
    line-height:1.9;
    margin-bottom:15px;
}

/* HIGHLIGHTS */
.ffa-change-highlights{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:12px;
    margin-top:25px;
}

.ffa-change-highlights div{
    background:#f4f7fb;
    padding:12px 15px;
    border-left:4px solid #ff7f50;
    border-radius:6px;
    font-size:15px;
    color:#333;
}

/* RIGHT SIDE BOX */
.ffa-change-right{
    flex:1;
}

.ffa-change-box{
    background:#0d3b66;
    color:#fff;
    padding:30px;
    border-radius:15px;
    margin-bottom:20px;
}

.ffa-change-box h3{
    margin-bottom:15px;
}

.ffa-change-box ul{
    list-style:none;
    padding:0;
}

.ffa-change-box li{
    padding:10px 0;
    border-bottom:1px solid rgba(255,255,255,0.2);
}

.ffa-change-box li:last-child{
    border-bottom:none;
}

.ffa-change-note{
    background:#f4f7fb;
    padding:25px;
    border-radius:15px;
    box-shadow:0 5px 15px rgba(0,0,0,0.08);
}

.ffa-change-note h3{
    color:#ff7f50;
    margin-bottom:10px;
}

.ffa-change-note p{
    color:#555;
    line-height:1.7;
}

/* RESPONSIVE */
@media(max-width:991px){

    .ffa-change-container{
        flex-direction:column;
    }

    .ffa-change-left h2{
        font-size:2rem;
    }

    .ffa-change-highlights{
        grid-template-columns:1fr;
    }
}
.ffa-video-small-section{
    padding:80px 5%;
    background:#f8fafc;
}

.ffa-video-small-container{
    display:flex;
    align-items:center;
    gap:40px;
    max-width:1100px;
    margin:auto;
}

/* SMALL VIDEO LEFT */
.ffa-video-small-left{
    flex:0.9; /* smaller than text */
}

.ffa-video-small-left iframe{
    width:100%;
    height:260px;   /* reduced height */
    border-radius:12px;
    border:none;
    box-shadow:0 8px 25px rgba(0,0,0,0.12);
}

/* TEXT RIGHT */
.ffa-video-small-right{
    flex:1.2;
}

.ffa-tag{
    display:inline-block;
    background:#4e69d3;
    color:#fff;
    padding:6px 14px;
    border-radius:25px;
    font-size:13px;
    margin-bottom:10px;
}

.ffa-video-small-right h2{
    font-size:2rem;
    color:#ff7f50
    margin-bottom:12px;
}

.ffa-video-small-right p{
    color:#555;
    line-height:1.8;
    margin-bottom:10px;
}

/* POINTS */
.ffa-video-points{
    margin-top:15px;
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:10px;
}

.ffa-video-points div{
    background:#fff;
    padding:10px 12px;
    border-left:4px solid #ff7f50;
    border-radius:6px;
    font-size:14px;
}

/* RESPONSIVE */
@media(max-width:900px){

    .ffa-video-small-container{
        flex-direction:column;
    }

    .ffa-video-small-left iframe{
        height:220px;
    }

    .ffa-video-points{
        grid-template-columns:1fr;
    }

    .ffa-video-small-right h2{
        font-size:1.6rem;
    }
}
.ffa-team{
    padding:80px 5%;
    background:#f8fafc;
}

.ffa-team-container{
    max-width:1200px;
    margin:auto;
}

.ffa-team-header{
    text-align:center;
    margin-bottom:50px;
}

.ffa-tag{
    display:inline-block;
    background:#4e69d3;
    color:#fff;
    padding:6px 14px;
    border-radius:25px;
    font-size:13px;
    margin-bottom:10px;
}

.ffa-team-header h2{
    font-size:2.5rem;
    color:#0d3b66;
    margin-bottom:15px;
}

.ffa-team-header p{
    max-width:800px;
    margin:auto;
    color:#555;
    line-height:1.8;
}

/* GRID */
.ffa-team-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
    justify-content: center;
    align-items: stretch;
    max-width: 1100px;
    margin: 0 auto; /* centers the whole grid */
}

/* Make cards look consistent */
.ffa-team-card {
    background: #fff;
    padding: 20px;
    border-radius: 12px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
    text-align: center;
}

/* RESPONSIVE */
@media (max-width: 900px) {
    .ffa-team-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 600px) {
    .ffa-team-grid {
        grid-template-columns: 1fr;
    }
}

.ffa-team-card{
    background:#fff;
    padding:25px;
    border-radius:12px;
    box-shadow:0 5px 15px rgba(0,0,0,0.08);
    border-top:4px solid #f4a261;
    transition:0.3s ease;
}

.ffa-team-card:hover{
    transform:translateY(-6px);
}

.ffa-team-card h3{
    color:#0d3b66;
    margin-bottom:10px;
}

.ffa-team-card p{
    color:#555;
    line-height:1.7;
}

/* FOOTER */
.ffa-team-footer{
    text-align:center;
    margin-top:40px;
    padding:20px;
    color:#444;
    font-style:italic;
}

/* RESPONSIVE */
@media(max-width:900px){

    .ffa-team-grid{
        grid-template-columns:1fr;
    }

    .ffa-team-header h2{
        font-size:2rem;
    }
}
.ffa-contact-section{
    padding:80px 5%;
    background:#f8fafc;
}

.ffa-contact-container{
    max-width:1200px;
    margin:auto;
    display:flex;
    gap:50px;
    align-items:flex-start;
}

.ffa-contact-info{
    flex:1;
}

.ffa-contact-tag{
    display:inline-block;
    background:#0d3b66;
    color:#fff;
    padding:8px 18px;
    border-radius:30px;
    font-size:14px;
    margin-bottom:15px;
}

.ffa-contact-info h2{
    font-size:2.5rem;
    color:#0d3b66;
    margin-bottom:20px;
}

.ffa-contact-info p{
    line-height:1.9;
    color:#555;
    margin-bottom:15px;
}

.ffa-contact-services{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:12px;
    margin-top:25px;
    margin-bottom:30px;
}

.ffa-contact-services div{
    background:#fff;
    padding:12px 15px;
    border-left:4px solid #0d3b66;
    border-radius:6px;
    box-shadow:0 3px 10px rgba(0,0,0,0.05);
}

.ffa-contact-details{
    background:#fff;
    padding:25px;
    border-radius:12px;
    box-shadow:0 5px 15px rgba(0,0,0,0.08);
}

.ffa-contact-details h3{
    color:#0d3b66;
    margin-bottom:15px;
}

/* FORM */
.ffa-contact-form-box{
    flex:1;
    background:#fff;
    padding:35px;
    border-radius:15px;
    box-shadow:0 10px 30px rgba(0,0,0,0.08);
}

.ffa-contact-form-box h3{
    color:#0d3b66;
    margin-bottom:25px;
}

.ffa-form-group{
    margin-bottom:15px;
}

.ffa-form-group input,
.ffa-form-group textarea{
    width:100%;
    padding:14px;
    border:1px solid #ddd;
    border-radius:8px;
    font-size:15px;
    box-sizing:border-box;
}

.ffa-form-group input:focus,
.ffa-form-group textarea:focus{
    outline:none;
    border-color:#0d3b66;
}

.ffa-contact-btn{
    background:#0d3b66;
    color:#fff;
    border:none;
    padding:14px 28px;
    border-radius:8px;
    cursor:pointer;
    font-size:15px;
    transition:.3s;
}

.ffa-contact-btn:hover{
    background:#124a80;
}

/* RESPONSIVE */
@media(max-width:991px){

    .ffa-contact-container{
        flex-direction:column;
    }

    .ffa-contact-info h2{
        font-size:2rem;
    }

    .ffa-contact-services{
        grid-template-columns:1fr;
    }

    .ffa-contact-form-box{
        width:100%;
    }
}
.book-consultancy{
    position:relative;
    padding:60px 20px;
    color:#fff;
    font-family:Arial, sans-serif;

    /* background image */
    background:url('../../uploads/ammie-ngo-vcu-OZBxxRk-unsplash.jpg') center/cover no-repeat;
}

/* DARK OVERLAY */
.book-consultancy::before{
    content:"";
    position:absolute;
    top:0;
    left:0;
    width:100%;
    height:100%;
    background:rgba(0,0,0,0.65);
    z-index:1;
}

/* MAIN CONTAINER */
.consult-container{
    position:relative;
    z-index:2;
    display:flex;
    gap:30px;
    max-width:1100px;
    margin:auto;
    align-items:flex-start;
}

/* LEFT SIDE */
.consult-left{
    flex:1;
    min-width:280px;
}

.consult-left h2{
    font-size:36px;
    margin-bottom:10px;
}

.consult-left p,
.consult-left ul li{
    line-height:1.7;
    color:#f1f1f1;
}

.consult-left ul{
    margin-top:15px;
    padding-left:20px;
}

.consult-left ul li{
    margin:10px 0;
    font-size:16px;
}

.consult-left img{
    width:100%;
    max-width:420px;
    margin-top:20px;
    border-radius:10px;
    box-shadow:0 5px 15px rgba(0,0,0,0.4);
}

/* RIGHT FORM */
.consult-right{
    flex:1;
    min-width:280px;
    background:#ffffff;
    padding:30px;
    border-radius:12px;
    color:#333;
    box-shadow:0 10px 25px rgba(0,0,0,0.3);
}

.consult-right h3{
    margin-bottom:15px;
    color:#0d3b66;
}

.consult-right form input,
.consult-right form select,
.consult-right form textarea{
    width:100%;
    padding:12px;
    margin-bottom:12px;
    border:1px solid #ddd;
    border-radius:6px;
    font-size:14px;
}

.consult-right form textarea{
    resize:none;
}

.consult-right button{
    width:100%;
    padding:12px;
    background:#0d3b66;
    color:#fff;
    border:none;
    border-radius:6px;
    font-size:16px;
    cursor:pointer;
    transition:0.3s;
}

.consult-right button:hover{
    opacity:0.9;
}

/* =========================
   TABLET RESPONSIVE
========================= */
@media(max-width:900px){
    .consult-container{
        gap:20px;
    }

    .consult-left h2{
        font-size:30px;
    }
}

/* =========================
   MOBILE RESPONSIVE
========================= */
@media(max-width:768px){
    .consult-container{
        flex-direction:column;
    }

    .consult-left h2{
        font-size:26px;
        text-align:center;
    }

    .consult-left{
        text-align:center;
    }

    .consult-left img{
        margin:auto;
        display:block;
    }

    .consult-right{
        width:100%;
    }
}

/* =========================
   SMALL MOBILE (extra fix)
========================= */
@media(max-width:480px){
    .book-consultancy{
        padding:40px 15px;
    }

    .consult-right{
        padding:20px;
    }

    .consult-left h2{
        font-size:22px;
    }
}