/* --- CSS VARIABLES & GLOBAL STYLES --- */
        :root {
            --apex-primary: #04b790;
            --apex-secondary: #21d6ab;
            --apex-accent: #ff0c20; /* Gold */
            --apex-light: #e0e1dd;
            --apex-dark: #000000;
            --apex-white: #f4f4f4;
            --apex-gradient: linear-gradient(135deg, var(--apex-accent), #b00c1a);
        }

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

        body {
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
            line-height: 1.6;
            color: var(--apex-light);
            background-color: var(--apex-primary);
            overflow-x: hidden;
        }

        .container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
        }

        .section-padding {
            padding: 80px 0;
        }

        h2 {
            font-size: 2.5rem;
            margin-bottom: 20px;
            text-align: center;
            color: var(--apex-white);
        }

        .btn {
            display: inline-block;
            padding: 12px 28px;
            border: none;
            border-radius: 50px;
            cursor: pointer;
            text-decoration: none;
            font-size: 1rem;
            font-weight: 600;
            transition: all 0.3s ease;
            margin: 5px;
        }

        /* --- SHARED COMPONENTS --- */
        /* Modal for Privacy/Terms */
        .modal {
            display: none;
            position: fixed;
            z-index: 1000;
            left: 0;
            top: 0;
            width: 100%;
            height: 100%;
            background-color: rgba(0,0,0,0.7);
            animation: fadeIn 0.3s;
        }
        .modal-content {
            background-color: var(--apex-secondary);
            margin: 5% auto;
            padding: 30px;
            border: 1px solid var(--apex-accent);
            width: 80%;
            max-width: 700px;
            max-height: 80vh;
            overflow-y: auto;
            border-radius: 8px;
            animation: slideIn 0.4s;
            color: var(--apex-light);
        }
        .modal-content h2 { color: var(--apex-accent); }
        .close {
            color: var(--apex-light);
            float: right;
            font-size: 28px;
            font-weight: bold;
            cursor: pointer;
        }
        .close:hover { color: var(--apex-accent); }
        @keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
        @keyframes slideIn { from { transform: translateY(-50px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }

        /* Confirmation Banner */
        .confirmation-banner {
            position: fixed;
            top: -100px;
            left: 50%;
            transform: translateX(-50%);
            background-color: #28a745;
            color: white;
            padding: 15px 30px;
            border-radius: 5px;
            z-index: 2000;
            transition: top 0.5s ease-in-out;
            box-shadow: 0 4px 8px rgba(0,0,0,0.2);
        }
        .confirmation-banner.show { top: 20px; }

        /* ======================================================= */
        /* ========= APEX WEALTH & CAPITAL STYLES ================ */
        /* ======================================================= */

        /* Header */
        .apex-header {
            background: rgba(0, 0, 0, 0.9);
            padding: 15px 0;
            position: fixed;
            width: 100%;
            top: 0;
            z-index: 999;
            backdrop-filter: blur(10px);
            transition: background-color 0.3s;
        }
        .apex-header .container { display: flex; justify-content: space-between; align-items: center; }
        .apex-logo { font-size: 1.5rem; font-weight: bold; color: var(--apex-accent); }
        .apex-nav ul { list-style: none; display: flex; }
        .apex-nav a { color: var(--apex-light); text-decoration: none; margin: 0 15px; font-weight: 500; position: relative; transition: color 0.3s; }
        .apex-nav a:hover { color: var(--apex-accent); }
        .apex-btn-primary {
            background: var(--apex-gradient);
            color: var(--apex-primary);
            border: 2px solid var(--apex-accent);
            position: relative;
            z-index: 1;
            overflow: hidden;
        }
        .apex-btn-primary::before {
            content: '';
            position: absolute;
            top: 0; left: -100%;
            width: 100%; height: 100%;
            background: var(--apex-accent);
            transition: left 0.3s;
            z-index: -1;
        }
        .apex-btn-primary:hover::before { left: 0; }
        .apex-btn-primary:hover { color: var(--apex-primary); }

        /* Hero */
        .apex-hero {
            height: 100vh;
            display: flex;
            align-items: center;
            justify-content: center;
            position: relative;
            overflow: hidden;
        }
        .apex-hero-bg {
            position: absolute;
            top: 0; left: 0;
            width: 100%; height: 100%;
            background: var(--apex-primary);
        }
        .apex-particle {
            position: absolute;
            background: var(--apex-accent);
            border-radius: 50%;
            opacity: 0.5;
            animation: float 20s infinite linear;
        }
        @keyframes float {
            from { transform: translateY(100vh) translateX(0) rotate(0deg); }
            to { transform: translateY(-100px) translateX(100px) rotate(360deg); }
        }
        .apex-hero-content { text-align: center; z-index: 1; }
        .apex-hero h1 { font-size: 4rem; font-weight: 800; color: var(--apex-white); margin-bottom: 20px; text-shadow: 2px 2px 4px rgba(0,0,0,0.5); }
        .apex-hero p { font-size: 1.3rem; color: var(--apex-light); margin-bottom: 40px; max-width: 600px; margin-left: auto; margin-right: auto; }

        /* About */
        .apex-about { background-color: var(--apex-dark); text-align: center; }
        .apex-about h3 { font-size: 2.5rem; color: var(--apex-accent); margin-bottom: 20px; }
        .apex-about p { max-width: 800px; margin: 0 auto; font-size: 1.1rem; }
        .apex-about .stat { font-size: 3rem; font-weight: bold; color: var(--apex-accent); margin-top: 30px; }

        /* Why Choose Us */
        .apex-why { background-color: var(--apex-secondary); }
        .apex-why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; margin-top: 50px; }
        .apex-why-card {
            background: rgba(255,255,255,0.05);
            padding: 40px 20px;
            text-align: center;
            border: 1px solid var(--apex-accent);
            border-radius: 10px;
            position: relative;
            overflow: hidden;
            transition: transform 0.3s;
        }
        .apex-why-card::before {
            content: '';
            position: absolute;
            top: 0; left: -100%;
            width: 100%; height: 100%;
            background: var(--apex-gradient);
            opacity: 0.2;
            transition: left 0.4s;
        }
        .apex-why-card:hover::before { left: 0; }
        .apex-why-card:hover { transform: translateY(-10px); }
        .apex-why-card i { font-size: 3rem; color: var(--apex-accent); margin-bottom: 20px; }
        .apex-why-card h4 { font-size: 1.3rem; color: var(--apex-white); margin-bottom: 15px; }

        /* Services */
        .apex-services { background-color: var(--apex-dark); }
        .apex-service-category { margin-bottom: 40px; }
        .apex-service-category h3 { color: var(--apex-accent); border-bottom: 2px solid var(--apex-accent); padding-bottom: 10px; margin-bottom: 20px; }
        .apex-service-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 20px; }
        .apex-service-item {
            background: rgba(255,255,255,0.03);
            padding: 25px;
            border-left: 3px solid transparent;
            border-radius: 5px;
            transition: all 0.3s;
        }
        .apex-service-item:hover { background: rgba(255,255,255,0.08); border-left-color: var(--apex-accent); transform: translateX(10px); }
        .apex-service-item h4 { color: var(--apex-white); margin-bottom: 10px; }
        .apex-service-item i { color: var(--apex-accent); margin-right: 10px; }

        /* Testimonials */
        .apex-testimonials { background-color: var(--apex-secondary); }
        .apex-testimonial-ticker {
            max-width: 900px;
            margin: 50px auto;
            overflow: hidden;
            position: relative;
            height: 150px; /* Adjust based on content */
        }
        .apex-testimonial-track {
            display: flex;
            flex-direction: column;
            animation: scroll-up 25s linear infinite;
        }
        .apex-testimonial-ticker:hover .apex-testimonial-track { animation-play-state: paused; }
        @keyframes scroll-up {
            0% { transform: translateY(0); }
            100% { transform: translateY(-50%); }
        }
        .apex-testimonial-item {
            padding: 20px;
            font-style: italic;
            font-size: 1.1rem;
            border-bottom: 1px solid rgba(255,255,255,0.1);
        }
        .apex-testimonial-item strong { display: block; margin-top: 10px; font-style: normal; color: var(--apex-accent); }

        /* FAQ */
        .apex-faq { background-color: var(--apex-dark); }
        .apex-faq-container { max-width: 800px; margin: 50px auto; }
        .apex-faq-item { border: 1px solid var(--apex-accent); margin-bottom: 10px; border-radius: 5px; }
        .apex-faq-question {
            width: 100%;
            padding: 20px;
            font-size: 1.1rem;
            text-align: left;
            background: rgba(212, 175, 55, 0.1);
            border: none;
            cursor: pointer;
            color: var(--apex-white);
            display: flex;
            justify-content: space-between;
            align-items: center;
            transition: background 0.3s;
        }
        .apex-faq-question:hover { background: rgba(212, 175, 55, 0.2); }
        .apex-faq-question i { transition: transform 0.3s; }
        .apex-faq-item.active .apex-faq-question { color: var(--apex-accent); }
        .apex-faq-item.active .apex-faq-question i { transform: rotate(180deg); }
        .apex-faq-answer {
            padding: 0 20px;
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.3s ease-out, padding 0.3s ease-out;
            color: var(--apex-light);
        }
        .apex-faq-item.active .apex-faq-answer {
            padding: 20px;
            max-height: 500px;
        }

        /* Contact Form */
        .apex-contact { background-color: var(--apex-secondary); }
        .apex-contact .container { max-width: 700px; }
        .apex-contact-form { background: var(--apex-dark); padding: 50px; border-radius: 10px; border: 1px solid var(--apex-accent); }
        .apex-contact-form .form-group { margin-bottom: 25px; }
        .apex-contact-form label { display: block; margin-bottom: 8px; font-weight: 600; color: var(--apex-white); }
        .apex-contact-form input, .apex-contact-form textarea, .apex-contact-form select {
            width: 100%;
            padding: 15px;
            border: 1px solid #444;
            border-radius: 5px;
            font-size: 1rem;
            background: rgba(255,255,255,0.05);
            color: var(--apex-light);
        }
        .apex-contact-form input::placeholder { color: #888; }
        .apex-btn-submit { width: 100%; padding: 15px; font-size: 1.1rem; }

        /* Footer */
        .apex-footer {
            background-color: var(--apex-dark);
            color: var(--apex-light);
            padding: 60px 0 20px 0;
        }
        .apex-footer .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
        .apex-footer h4 { margin-bottom: 20px; color: var(--apex-accent); }
        .apex-footer ul { list-style: none; }
        .apex-footer ul li { margin-bottom: 10px; }
        .apex-footer a { color: var(--apex-light); text-decoration: none; transition: color 0.3s; }
        .apex-footer a:hover { color: var(--apex-accent); }
        .apex-newsletter-form input[type="email"], .apex-newsletter-form input[type="text"], .apex-newsletter-form input[type="date"] {
            padding: 10px; border-radius: 5px; border: none; width: 100%; margin-bottom: 10px; background: #333; color: var(--apex-light);
        }
        .apex-newsletter-form .btn { width: 100%; }
        .apex-footer-bottom { text-align: center; margin-top: 40px; padding-top: 20px; border-top: 1px solid #444; }
        .apex-footer-bottom a { margin: 0 10px; }
        .apex-newsletter-success { color: #28a745; text-align: center; margin-top: 15px; font-weight: bold; }

        /* Responsive Design */
        @media (max-width: 992px) {
            .apex-why-grid { grid-template-columns: repeat(2, 1fr); }
        }
        @media (max-width: 768px) {
            .apex-header .container { flex-direction: column; }
            .apex-nav { margin-top: 15px; }
            .apex-hero h1 { font-size: 2.5rem; }
            .apex-footer .container { grid-template-columns: 1fr; text-align: center; }
            .apex-why-grid { grid-template-columns: 1fr; }
        }