:root {
  --heading-color: #2d2a2b; /* Bigger text (headings) */
  --body-text-color: #707070; /* Smaller/regular text */
  --highlight-text: #bc6c31; /* Special text / CTA */
  --background1-color:#FEF9ED;
  --background2-color:#F0E6D8;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  font-family: Verdana, Geneva, Tahoma, sans-serif;
  outline: none;
  border: none;
  text-decoration: none;
  text-transform: capitalize;
  transition: 0.2s linear;
}

html {
  font-size: 62.5%;
  scroll-behavior: smooth;
  scroll-padding-top: 6rem;
  overflow: auto;
}

.navbar .landing{
    color: #bc6c31;
}

section{
padding: 2rem 9%;
}

header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  background-color: #fff;
  padding: 1rem 9%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  z-index: 1000;
  box-shadow: 0 0.1rem 0.5rem rgb(124, 124, 124);
}

header .logo {
  height: 50px;
}

header #toggler {
  display: none;
}

header .fa-bars {
  font-size: 3rem;
  columns: #333;
  border-radius: 0.5rem;
  padding: 0.5rem 1.5rem;
  cursor: pointer;
  border: 0.1rem solid rgba(0, 0, 0, 0.1);
  display: none;
}

header .navbar {
  display: flex;
  align-items: center;
  gap: 3rem; /* space between links */
}

header .navbar a {
  font-size: 1.6rem;
  color: var(--body-text-color);
  font-weight: 500;
  text-decoration: none;
  padding: 0.5rem 1rem;
  border-radius: 0.5rem;
  transition: 0.3s;
}

/* hover for normal links */
header .navbar a:hover {
  color: var(--highlight-text);
}

/* style the last link (FAQ) as a button */
header .navbar a:last-child {
  background-color: var(--highlight-text);
  color: white;
  font-weight: 600;
  border-radius: 6px;
  padding: 0.6rem 1.4rem;
}

/* hover effect for button */
header .navbar a:last-child:hover {
  background-color: #a45828; /* darker shade */
  color: #fff;
}

.disclaimer {
  width: 100%;
  background: #ffcc00;  /* Yellow background */
  color: #000;
  font-size: 1.2rem;
  font-weight: 300;
  padding: 8px 0;
  overflow: hidden;
  position: sticky;   /* Stick it just below navbar */
  top: 60px;          /* Adjust based on navbar height */
  z-index: 1000;
  white-space: nowrap;
}

.disclaimer p {
  display: inline-block;
  padding-left: 100%;
  animation: scroll-left 20s linear infinite;
}

@keyframes scroll-left {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-100%);
  }
}


/* hero section starts here */


.services {
  display: flex;
    align-items: center;
    min-height: 100vh;
    background-color: var(--background1-color);
    justify-content: space-between;
    gap: 20px;
   
}

.services h3{
  font-size: 6rem;
  font-weight: 700;
  margin-bottom: 100px;
}

.services p{
  font-size: 2.5rem;
  font-weight: 10;
  color: var(--body-text-color);
  margin-bottom: 50px;
}

.services .btn{
    font-size: 2rem;
  color: #bc6c31;
  border: 2px solid #bc6c31;
  border-radius: 50px;
  padding: 15px 25px;
  background: white;
  cursor: pointer;
  transition: 0.3s;
  align-self: flex-start; 
  margin-top: 100px;
}

.btn:hover{
background: #bc6c31;
  color: #fff;
}

/* hero section ends here */


/* section1 starts here */

.section1{
  background: var(--background2-color);
  min-height: 100vh;
}

.heading{
  background: var(--background1-color);
  border-radius: 10px;
  border: 2px solid #bc6c31;
  margin-top: 10px;
  display: flex;
  padding: 3px;
  justify-content: center;
  align-items: center;
  width: auto;
}

.heading h3{
  justify-content: center;
  font-size: 4rem;
  font-weight: 50;
  color: var(--highlight-text);
  
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr); /* Creates 4 equal-width columns */
  gap: 20px; /* Adds space between the grid items */
  padding: 50px; /* Adds padding around the entire grid */
}

.service-card {
  background: var(--highlight-text); /* Adjust to match your color */
  border-radius: 15px; /* Adds the rounded corners */
  padding: 20px;
  text-align: center;
}
.service-card:hover {
  transform: scale(1.05); /* Slightly enlarge the card */
  background-color: rgb(138, 87, 50); /* Change background color on hover (a lighter shade) */
  cursor: pointer; /* Indicate it's clickable */
}

.service-card h3{
  font-size: 4rem;
  color: var(--background1-color);
  font-weight: 50;
  margin: 15px;
  margin-top: 20px;
  margin-bottom: 30px;
}

.service-card p{
  font-size: 2.5rem;
  font-weight: lighter;

}


.financial-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr); /* Creates 4 equal-width columns */
  grid-template-rows: repeat(2, 1fr); /* Creates 2 equal-height rows */
  gap: 20px; /* Adjust spacing between cards */
  padding: 50px;
  margin-bottom: 10px;
}

.grid-item {
  background: #bc6c31; /* Use the same background color */
  border-radius: 15px; /* Apply rounded corners */
  padding: 50px;
  margin: 15px;
  text-align: center;
  display: flex; /* Use flexbox to easily center content inside the card */
  flex-direction: column; /* Stack the image and text vertically */
  justify-content: center; /* Center content vertically */
  align-items: center; /* Center content horizontally */
  color: var(--background1-color);
  font-size: 2.5rem;
}

.grid-item:hover {
  transform: scale(1.05); /* Slightly enlarge the card */
  background-color: rgb(130, 73, 32); /* Change background color on hover (a lighter shade) */
  cursor: pointer; /* Indicate it's clickable */
}

.grid-item img {
  width: 60px; /* Adjust icon size as needed */
  height: auto;
  margin-bottom: 50px; /* Space between icon and text */
}


.btn2{
    font-size: 2rem;
  color: #bc6c31;
  border: 2px solid #bc6c31;
  border-radius: 50px;
  padding: 15px 25px;
  background: white;
  cursor: pointer;
  transition: 0.3s; 

  margin-bottom: 10px;
  padding: 10px;

}

.btn2:hover{
background: #bc6c31;
  color: #fff;
}

/* section1 ends here */



/* Footer */
.site-footer {
  background: #f6f2e9;
  padding: 40px 10%;
  font-family: 'Poppins', sans-serif;
  color: #444;
}

.footer-top {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  margin-bottom: 30px;
  gap: 30px;
}

.footer-logo img {
  max-width: 150px;
  
}

.footer-links h4 {
  font-weight: 600;
  margin-bottom: 10px;
  color: #333;
  font-size: 1.4rem;
}

.footer-links ul {
  list-style: none;
  padding: 0;
}

.footer-links ul li {
  margin-bottom: 8px;
  font-size: 1rem;
}

.footer-links ul li a {
  color: #444;
  text-decoration: none;
  transition: 0.3s;
}

.footer-links ul li a:hover {
  color: #bc6c31;
}

.footer-contact {
  margin: 20px 0;
  font-size: 1.2rem;
  line-height: 1.6;
}

.footer-contact p {
  margin: 5px 0;
  font-size: 1.2rem;
}

.social-icons {
  margin-top: 15px;
}

.social-icons a {
  font-size: 1.5rem;
  margin: 0 8px;
  color: #000;
  background: #fff;
  padding: 8px;
  border-radius: 6px;
  box-shadow: 2px 2px 5px rgba(0,0,0,0.2);
  transition: 0.3s;
}

.social-icons a:hover {
  background: #bc6c31;
  color: #fff;
}

hr {
  border: none;
  border-top: 1px solid #aaa;
  margin: 20px 0;
}

.footer-bottom {
  font-size: 1.2rem;
  color: #555;
  text-align: center;
  line-height: 1.6;
}

.footer-bottom strong {
  color: #bc6c31;
}

.footer-bottom-links {
  margin-top: 10px;
}

.footer-bottom-links a {
  color: #bc6c31;
  text-decoration: none;
  margin: 0 8px;
}

.footer-bottom-links a:hover {
  color: #000;
}

.site-footer {
  margin-top: auto;
}



















/* media queries */
@media (max-width: 991px) {
  html {
    font-size: 55%;
  }

  header {
    padding: 2rem;
  }
}


@media (max-width: 768px) {
  header .fa-bars {
    display: block;
  }

  header .navbar {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background-color: #eee;
    border-top: 0.1rem solid rgba(0, 0, 0, 0.1);
    clip-path: polygon(0 0, 100% 0, 100% 0, 0 0);
    flex-direction: column;
  }

  header #toggler:checked ~ .navbar {
    clip-path: polygon(0 0, 100% 0, 100% 100%, 0% 100%);
  }

  header .navbar a {
    margin: 0; /* no gap at all */
    padding: 0.5rem;
    background: #fff;
    border: 0.1rem solid rgba(0, 0, 0, 0.1);
    width: 90%; /* nice wide buttons */
    text-align: center;
    display: block;
  }
}

@media (max-width: 450px) {
  html {
    font-size: 55%;
  }

  header {
    padding: 2rem;
  }
}


/* ======================= SERVICES — FULL MEDIA QUERIES ======================= */

/* Large tablets & down (≤1200px) */
@media (max-width: 1200px){
  .services h3 { font-size: 4.4rem !important; }
  .services p  { font-size: 2rem !important; }
}

/* Tablets (≤992px) */
@media (max-width: 992px){

  /* --- Hero: stack text + image --- */
  .services{
    display: grid !important;
    grid-template-columns: 1fr !important;
    gap: 2rem !important;
    padding: 2rem 9% !important;
    min-height: auto !important;
  }
  .services .content{ order: 1; }
  .services .hero-image{
    order: 2;
    width: 100% !important;
    max-width: 560px !important;
    margin: 0 auto !important;
    display: block !important;
  }
  .services h3{ margin-bottom: 1.2rem !important; }
  .services p { margin-bottom: 1.2rem !important; }

  /* --- Grids: 4 → 2 columns --- */
  .services-grid{
    grid-template-columns: repeat(2,1fr) !important;
    gap: 16px !important;
    padding: 30px !important;
  }
  .financial-grid{
    grid-template-columns: repeat(2,1fr) !important;
    gap: 16px !important;
    padding: 30px !important;
  }

  /* --- Footer: 2 columns --- */
  .footer-top{
    display: grid !important;
    grid-template-columns: repeat(2,1fr) !important;
    gap: 2rem !important;
  }

  /* --- Disclaimer just below navbar (tablet height) --- */
  .disclaimer{
    position: sticky !important;
    top: 80px !important;         /* you said 80px works well on tablet */
    z-index: 1200 !important;
    margin-top: 0 !important;
  }
}

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

  /* --- Hamburger / dropdown layering --- */
  header .fa-bars{ display: block !important; }
  header .navbar{
    position: absolute !important;
    top: 100%; left: 0; right: 0;
    background: #eee !important;
    border-top: 1px solid rgba(0,0,0,.1) !important;
    clip-path: polygon(0 0,100% 0,100% 0,0 0) !important;
    flex-direction: column !important;
    z-index: 2500 !important;      /* above disclaimer */
  }
  header #toggler:checked ~ .navbar{
    clip-path: polygon(0 0,100% 0,100% 100%,0 100%) !important;
  }
  header .navbar a,
  header .navbar a:last-child{
    width: 92% !important;
    margin: .5rem auto !important;
    text-align: center !important;
    background: #fff !important;
    border: 1px solid rgba(0,0,0,.1) !important;
    padding: .8rem !important;
  }

  /* --- Text scale --- */
  .services h3{ font-size: 3rem !important; }
  .services p { font-size: 1.6rem !important; margin-bottom: 15px;}
  .btn, .btn2 { font-size: 1.6rem !important; padding: 10px 18px !important; }

  /* --- Grids: 2 → 1 column --- */
  .services-grid{ grid-template-columns: 1fr !important; padding: 20px !important; }
  .financial-grid{ grid-template-columns: 1fr !important; padding: 20px !important; }
  .grid-item{ font-size: 1.6rem !important; padding: 28px !important; }
  .grid-item img{ margin-bottom: 20px !important; }

  /* --- Disclaimer just below navbar (mobile height) --- */
  .disclaimer{
    position: sticky !important;
    top: 65px !important;         /* you said 65px works well on mobile */
    z-index: 1200 !important;
  }
}

/* Small mobiles (≤600px) */
@media (max-width: 600px){
  .footer-top{ grid-template-columns: 1fr !important; }
}

/* Very small screens (≤450px) */
@media (max-width: 450px){
  html{ font-size: 55%; }
  header{ padding: 1rem 5% !important; }
}

@media (max-width: 768px){
  header .navbar a,
  header .navbar a:last-child {
    width: 92% !important;
    margin: .5rem auto !important;
    text-align: center !important;
    background: #fff !important;
    border: 1px solid rgba(0,0,0,0.1) !important;
    padding: .8rem !important;
    color: #333 !important;          /* ensure text visible */
    border-radius: 6px !important;
  }

  /* optional: highlight FAQ button a bit */
  header .navbar a:last-child {
    font-weight: 600 !important;
    color: #bc6c31 !important;       /* highlight color */
    border: 2px solid #bc6c31 !important;
  }
}

/* ================= SERVICES: hide disclaimer when hamburger is open ================= */

/* Phones (≤768px) */
@media (max-width: 768px){
  /* Hide the disclaimer while the menu is open */
  header:has(#toggler:checked) + .disclaimer{
    display: none !important;
  }

  /* Keep content below the fixed header while menu is open */
  body:has(#toggler:checked){
    padding-top: 65px !important;   /* your mobile header height */
  }
}

/* Tablets (769–992px) */
@media (min-width: 769px) and (max-width: 992px){
  /* Hide the disclaimer while the menu is open */
  header:has(#toggler:checked) + .disclaimer{
    display: none !important;
  }

  /* Keep content below header when disclaimer is hidden */
  body:has(#toggler:checked){
    padding-top: 80px !important;   /* your tablet header height */
  }
}