.service-block-one .inner-box{
	position: relative;
	display: block;
	padding: 40px 55px 34px 55px;
	margin-bottom: 30px;
}

.service-block-one .inner-box .icon-box{
	position: relative;
	display: inline-block;
	width: 80px;
	height: 80px;
	line-height: 80px;
	text-align: center;
	font-size: 40px;
	color: #fff;
	border-radius: 50%;
	margin-bottom: 26px;
}

.service-block-one .inner-box h3{
	display: block;
	font-size: 24px;
	line-height: 32px;
	font-weight: 600;
	margin-bottom: 12px;
}

.service-block-one .inner-box .static-content h3 a{
	color: #222;
}

.service-block-one .inner-box .overlay-content h3 a{
	color: #fff;
}

.service-block-one .inner-box h3 a:hover{
	text-decoration: underline;
}

.service-block-one .inner-box .overlay-content p{
	color: #fff;
	margin-bottom: 25px;
}

.service-block-one .inner-box .shape{
	position: absolute;
	left: -80px;
	top: -100px;
	width: 570px;
	height: 479px;
	background-repeat: no-repeat;
}

.service-block-one .inner-box .overlay-content{
	position: absolute;
	left: 0px;
	top: -40px;
	width: 100%;
	height: 100%;
	padding: 90px 55px 34px 55px;
	z-index: 1;
	opacity: 0;
	transition: all 500ms ease;
}

.service-block-one .inner-box .overlay-content:hover{
	opacity: 1;
}

.service-block-one .inner-box .overlay-content .shape{
	left: 0px;
	top: 0px !important;
	width: 410px;
	height: 319px;
}

.service-block-one .inner-box .theme-btn-one{
	padding: 13px 40px;
}

.service-block-one .inner-box .theme-btn-one:before{
	background: #fff;
}

.service-block-one .inner-box .theme-btn-one:hover{
	color: #241E2F !important;
}

.service-block:nth-child(2) .service-block-one .inner-box,
.service-block:nth-child(5) .service-block-one .inner-box{
	background: #fff;
	box-shadow: 0px 20px 80px rgba(0, 0, 0, 0.05);
	border-radius: 10px;
}

.service-block:nth-child(2) .service-block-one .inner-box .overlay-content,
.service-block:nth-child(5) .service-block-one .inner-box .overlay-content{
	background: #241E2F;
	border-radius: 10px;
	top: 0px;
	padding-top: 50px;
}

.service-block:nth-child(4) .service-block-one .shape,
.service-block:nth-child(6) .service-block-one .shape{
	top: -60px;
}

.service-block:nth-child(4) .service-block-one .inner-box .overlay-content .shape,
.service-block:nth-child(6) .service-block-one .inner-box .overlay-content .shape{
	top: 40px !important;
}

.service-section .pattern-layer{
	position: absolute;
	left: 0px;
	top: 0px;
	width: 100%;
	height: 100%;
	background-size: cover;
	background-repeat: no-repeat;
	background-position: center;
	opacity: 0.4;
}


/** service-style-two **/

.service-style-two{
	padding: 143px 0px 120px 0px;
}

.service-block-two .inner-box{
	position: relative;
	display: block;
	margin-bottom: 30px;
}

.service-block-two .inner-box .image-box{
	position: relative;
	display: block;
	overflow: hidden;
	background: #241E2F;
	box-shadow: 0px 20px 80px rgba(0, 0, 0, 0.05);
	border-radius: 10px;
}

.service-block-two .inner-box .image-box img{
	width: 100%;
	transition: all 500ms ease;
}

.service-block-two .inner-box:hover .image-box img{
	opacity: 0.3;
	transform: scale(1.05);
}

.service-block-two .inner-box .lower-content{
	position: relative;
	margin-left: 90px;
}

.service-block-two .inner-box .lower-content .inner{
	position: relative;
	display: block;
	background: #fff;
	padding: 44px 30px;
	margin-top: -70px;
	z-index: 1;
	box-shadow: 0px 20px 80px rgba(0, 0, 0, 0.05);
	border-radius: 20px 0px 20px 20px;
	transition: all 500ms ease;
}

.service-block-two .inner-box:hover .lower-content .inner{
	padding-bottom: 124px;
	margin-top: -150px;
}

.service-block-two .inner-box .lower-content .icon-box{
	position: absolute;
	display: inline-block;
	left: -40px;
	top: -40px;
	width: 80px;
	height: 80px;
	line-height: 80px;
	font-size: 40px;
	color: #fff;
	text-align: center;
	border-radius: 50%;
}

.service-block-two .inner-box .lower-content h3{
	position: relative;
	display: block;
	font-size: 24px;
	line-height: 34px;
	font-weight: 600;
	margin-bottom: 12px;
}

.service-block-two .inner-box .lower-content h3 a{
	display: inline-block;
	color: #222222;
}

.service-block-two .inner-box .lower-content h3 a:hover{

}

.service-block-two .inner-box .lower-content .theme-btn-one{
	padding: 13px 34px;
}

.service-block-two .inner-box .lower-content .btn-box{
	position: absolute;
	left: 30px;
	bottom: 0px;
	opacity: 0;
	transition: all 500ms ease;
}

.service-block-two .inner-box:hover .lower-content .btn-box{
	bottom: 50px;
	opacity: 1;
}


/** service-style-three **/

.service-style-three{
	padding: 143px 0px 390px 0px;
}

.service-block-three .inner-box{
	position: relative;
	display: block;
	padding-left: 110px;
	margin-bottom: 60px;
}

.service-block-three .inner-box .icon-box{
	position: absolute;
	display: inline-block;
	left: 0px;
	top: 4px;
	width: 80px;
	height: 80px;
	line-height: 80px;
	font-size: 40px;
	text-align: center;
	background: #332E3E;
	border-radius: 50%;
	z-index: 1;
	transition: all 500ms ease;
}

.service-block-three .inner-box .icon-box:before{
	position: absolute;
	content: '';
	background: #fff;
	width: 80px;
	height: 80px;
	left: 0px;
	top: 0px;
	border-radius: 50%;
	transform: scale(0,0);
	z-index: -1;
	transition: all 500ms ease;
}

.service-block-three .inner-box:hover .icon-box:before{
	transform: scale(1,1);
}

.service-block-three .inner-box h3{
	display: block;
	font-size: 24px;
	line-height: 34px;
	font-weight: 600;
	margin-bottom: 12px;
}

.service-block-three .inner-box h3 a{
	display: inline-block;
	color: #fff;
}

.service-block-three .inner-box h3 a:hover{

}

.service-block-three .inner-box p{
	color: rgba(255, 255, 255, 0.7);
}

.service-style-three .more-btn .theme-btn-one:before{
	background: #fff;
}

.service-style-three .more-btn .theme-btn-one:hover{

}

.service-style-three .pattern-layer{
	position: absolute;
	left: 0px;
	bottom: 0px;
	width: 100%;
	height: calc(100% - 105px);
	background-size: cover;
	background-repeat: no-repeat;
	background-position: center;
}

.service-style-three .pattern-layer-2{
	position: absolute;
	left: 0px;
	bottom: 0px;
	width: 100%;
	height: 101px;
	background-size: 100% 100%;
	background-repeat: no-repeat;
}

.smsf-modern{
	background-color: #000721;
  margin-bottom: 20px;
  padding-top: 30px;
  padding-bottom: 60px;
}
.smsf-brand {
  padding: 110px 0;
  background: linear-gradient(180deg, #f7f7fa, #ffffff);
}

.smsf-head {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 70px;
}

.smsf-head h2 {
  font-size: 38px;
  font-weight: 800;
  color: white;
  margin-bottom: 15px;
  border-bottom: 2px solid rgb(230, 191, 100);
  display: inline-block;
  line-height: 2;
}

.smsf-head p {
  font-size: 18px;
  color: #555;
}

/* CARD */
.smsf-card {
  height: 100%;
  background: #ffffff;
  border-radius: 22px;
  padding: 55px 40px;
  text-align: center;
  box-shadow: 0 25px 55px rgba(0,7,33,0.08);
  position: relative;
  transition: all .35s ease;
  overflow: hidden;
}

/* GOLD HOVER OVERLAY */
.smsf-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(230,191,100,0.95),
    rgba(230,191,100,0.85)
  );
  opacity: 0;
  transition: opacity .35s ease;
}

.smsf-card:hover::before {
  opacity: 1;
}

.smsf-card * {
  position: relative;
  z-index: 1;
}

/* ICON */
.smsf-icon {
  width: 78px;
  height: 78px;
  margin: 0 auto 28px;
  border-radius: 50%;
  background: #000721;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background .35s ease;
}

.smsf-icon i {
  font-size: 30px;
  color: rgb(230, 191, 100);
}

/* TEXT */
.smsf-card h4 {
  font-size: 22px;
  font-weight: 600;
  margin-bottom: 15px;
  color: #000721;
  transition: color .35s ease;
}

.smsf-card p {
  font-size: 16px;
  line-height: 28px;
  color: #555;
  transition: color .35s ease;
}

/* HOVER TEXT COLOR */
.smsf-card:hover h4,
.smsf-card:hover p {
  color: #000721;
}

.smsf-card:hover .smsf-icon {
  background: #ffffff;
}
.smsf-services-section {
  padding: 100px 0;
  background: white;
}

/* Heading */
.services-head {
  text-align: center;
  max-width: 850px;
  margin: 0 auto 70px;
}

.services-head h2 {
  font-size: 40px;
  font-weight: 600;
  color: #000721;
  margin-bottom: 15px;
  border-bottom: 2px solid rgb(230, 191, 100);
  display: inline-block;
}


.services-head p {
  font-size: 18px;
  line-height: 30px;
  color: #555;
}

/* Service Card */
.service-card {
  height: 100%;
  background: #ffffff;
  padding: 35px 30px;            /* 🔥 shorter height */
  border-radius: 20px;
  box-shadow: 0 20px 45px rgba(0,7,33,0.08);
  transition: all .3s ease;
  border-left: 4px solid rgb(230, 191, 100);
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 30px 60px rgba(0,7,33,0.15);
}

/* Card Text */
.service-card h4 {
  font-size: 22px;
  font-weight: 600;
  color: #000721;
  margin-bottom: 10px;
}
.service-card h4::after {
  content: "";
  display: block;
  width: 60px;            /* Length of the underline */
  height: 4px;            /* Thickness of the underline */
  background-color: rgb(230, 191, 100); /* Color of the underline */
  margin-top: 5px;        /* Space below the text */
}

.service-card p {
  font-size: 16px;
  line-height: 28px;
  color: #555;
  margin-bottom: 18px;
}

/* Tag */
.service-tag {
  display: inline-block;
  font-size: 14px;
  font-weight: 500;
  color: #000721;
  background: rgba(230,191,100,0.2);
  padding: 6px 14px;
  border-radius: 50px;
}
.smsf-refinance-hero {
  background-color: #000721;
;
  position: relative;
  overflow: hidden;
}

.refinance-card {
  position: relative;
  z-index: 2;
  border-radius: 12px;
}

.hero-image {
  max-width: 100%;
  position: relative;
  z-index: 1;
  margin-top: 30px;
}

.smsf-truth {
  background-color: white;
}

.smsf-truth h2 {
  font-size: 2rem;
  font-weight: 600;
  color: #000721;
}
.smsf-truth h2::after {
  content: "";
  display: block;
  width: 60px;            /* Length of the underline */
  height: 4px;            /* Thickness of the underline */
  background-color: rgb(230, 191, 100); /* Color of the underline */
  margin-top: 5px;        /* Space below the text */
}

.smsf-truth p {
  line-height: 1.7;
  margin-bottom: 15px;
}

.smsf-truth .card {
  border-radius: 12px;
  transition: transform 0.3s, box-shadow 0.3s;
}

.smsf-truth .card:hover {
  transform: translateY(-5px);
  box-shadow: 0 15px 30px rgba(0,0,0,0.1);
}

.smsf-truth .modern-image {
  max-width: 100%;
  border-radius: 12px;
  transition: transform 0.3s;
}

.smsf-truth .modern-image:hover {
  transform: scale(1.02);
}
.smsf-retirement {
  background-color:  #000721;
;
}

.smsf-retirement h2 {
  font-size: 2rem;
  font-weight: 600;
  color: white;
}
.smsf-retirement h2::after {
  content: "";
  display: block;
  width: 60px;            /* Length of the underline */
  height: 4px;            /* Thickness of the underline */
  background-color: rgb(230, 191, 100); /* Color of the underline */
  margin-top: 5px;        /* Space below the text */
}

.smsf-retirement p {
  line-height: 1.7;
  margin-bottom: 20px;
}

.smsf-retirement .list-group-item {
  background-color: #fff;
  border: none;
  transition: transform 0.3s, box-shadow 0.3s;
}

.smsf-retirement .list-group-item:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 25px rgba(0,0,0,0.1);
}

.smsf-retirement .modern-image {
  max-width: 100%;
  border-radius: 12px;
  transition: transform 0.3s;
}

.smsf-retirement .modern-image:hover {
  transform: scale(1.02);
}
.smsf-help {
  background-color: #f8f9fa;
}

.smsf-help h2 {
  font-size: 2rem;
  font-weight: 600;
  color: #000721;
}

.smsf-help .lead {
  font-size: 1.1rem;
  line-height: 1.7;
}

.smsf-help .card {
  border-radius: 12px;
  transition: transform 0.3s, box-shadow 0.3s;
}

.smsf-help .card:hover {
  transform: translateY(-5px);
  box-shadow: 0 15px 30px rgba(0,0,0,0.15);
}

.smsf-help h4 {
  font-weight: 500;
  margin-bottom: 15px;
  color: #000721;
  position: relative;
  padding-bottom: 5px; /* Space between text and underline */
}

.smsf-help h4::after {
  content: "";
  display: block;
  width: 40px;          /* Length of the underline */
  height: 3px;          /* Thickness of the underline */
  background-color: rgb(230, 191, 100); /* Color of the underline */
  margin-top: 5px;      /* Space below the text */
}

.smsf-help p {
  line-height: 1.6;
}