.service-card {
      border-radius: 12px;
      box-shadow: 0 4px 10px rgba(0,0,0,0.08);
      padding: 25px;
      transition: transform 0.3s ease, box-shadow 0.3s ease;
      background: #fff;
    }

    
    .service-card:hover {
      transform: translateY(-5px);
      box-shadow: 0 6px 15px rgba(0,0,0,0.12);
    }
    .icon {
      font-size: 35px;
      margin-bottom: 15px;
    }
    .icon.education { color: #45a735; }
    .icon.personal { color: #45a735; }
    .icon.commercial { color: #45a735; }
    .service-card h5 {
      font-weight: 600;
      margin-bottom: 12px;
    }
    .service-card p {
      font-size: 14px;
      color: #555;
    }
    .button_hrd{
        color: #45a735;
    }

     .button_hrd:hover{
        color: #26472B;
    }

    .card-ghost{background: rgba(255,255,255,0.95);}
      .step-badge{width:46px;height:46px;border-radius:50%;display:inline-grid;place-items:center;font-weight:700}
      .feature-icon{width:56px;height:56px;border-radius:12px;display:grid;place-items:center;font-size:1.25rem}
      .timeline-step{min-height:120px}
      .faq .accordion-button{color:var(--brand)}
      footer{background:#0b0b0b;color:#fff;padding:2rem 0}
      @media(min-width:992px){
        .hero{padding:6rem 0}
      }