.testimonials-section 
            {
                background:
                radial-gradient(circle at 10% 20%, rgba(15, 46, 132, .07), transparent 30%),
                radial-gradient(circle at 90% 80%, rgba(236, 32, 39, .06), transparent 30%),
                #f8fafc;
            }

            /* Heading */
            
            .testimonial-subtitle {
                font-size: 12px;
                font-weight: 700;
                letter-spacing: 3px;
                color: #0f2e84;
            }
            
            .testimonial-title {
                font-size: clamp(32px, 4vw, 52px);
                line-height: 1.12;
                font-weight: 700;
                color: #101828;
                letter-spacing: -1.5px;
            }
            
            .testimonial-title span {
                background: linear-gradient(
                    90deg,
                    #0f2e84,
                    #ec2027
                );
                -webkit-background-clip: text;
                -webkit-text-fill-color: transparent;
            }
            
            .testimonial-description {
                max-width: 650px;
                margin-left: auto;
                margin-right: auto;
                color: #667085;
                font-size: 16px;
                line-height: 1.8;
            }
            
            
            /* Card */
            
            .testimonial-card {
                position: relative;
                min-height: 350px;
                padding: 42px 35px 32px;
                background: rgba(255,255,255,.82);
                border: 1px solid rgba(15,46,132,.08);
                border-radius: 24px;
                box-shadow: 0 20px 60px rgba(16,24,40,.08);
                transition: all .4s ease;
                overflow: hidden;
            }
            
            .testimonial-card::before {
                content: "";
                position: absolute;
                width: 120px;
                height: 120px;
                border-radius: 50%;
                background: rgba(15,46,132,.05);
                top: -50px;
                right: -40px;
            }
            
            .testimonial-card:hover {
                transform: translateY(-8px);
                box-shadow: 0 28px 70px rgba(15,46,132,.13);
            }
            
            
            /* Quote */
            
            .quote-icon {
                position: absolute;
                top: 22px;
                right: 30px;
                font-size: 52px;
                line-height: 1;
                color: rgba(15,46,132,.10);
            }
            
            .testimonial-stars {
                color: #f5b400;
                font-size: 14px;
                letter-spacing: 3px;
                margin-bottom: 22px;
            }
            
            .testimonial-text {
                position: relative;
                color: #475467;
                font-size: 16px;
                line-height: 1.85;
                margin-bottom: 30px;
            }
            
            
            /* Author */
            
            .testimonial-author {
                display: flex;
                align-items: center;
                gap: 14px;
                padding-top: 20px;
                border-top: 1px solid #edf0f5;
            }
            
            .author-avatar {
                width: 48px;
                height: 48px;
                border-radius: 50%;
                background: linear-gradient(
                    135deg,
                    #0f2e84,
                    #274bb1
                );
                color: #fff;
                display: flex;
                align-items: center;
                justify-content: center;
                font-size: 14px;
                font-weight: 700;
            }
            
            .testimonial-author h6 {
                margin: 0 0 3px;
                color: #101828;
                font-size: 15px;
                font-weight: 700;
            }
            
            .testimonial-author span {
                color: #98a2b3;
                font-size: 12px;
            }
            
            
            /* Carousel */
            
            .testimonials-carousel {
                padding: 15px 5px 25px;
            }
            
            .testimonials-carousel .owl-stage {
                display: flex;
            }
            
            .testimonials-carousel .owl-item {
                display: flex;
            }
            
            .testimonials-carousel .testimonial-item {
                width: 100%;
                padding: 10px;
            }
            
            
            /* Navigation */
            
            .testimonial-navigation {
                display: flex;
                justify-content: center;
                gap: 12px;
            }
            
            .testimonial-navigation button {
                width: 48px;
                height: 48px;
                border-radius: 50%;
                border: 1px solid #d9e0eb;
                background: #fff;
                color: #0f2e84;
                font-size: 18px;
                transition: .3s ease;
            }
            
            .testimonial-navigation button:hover {
                background: #0f2e84;
                color: #fff;
                border-color: #0f2e84;
                transform: translateY(-2px);
            }
            
            
            /* Dots */
            
            .testimonials-carousel .owl-dots {
                margin-top: 20px !important;
            }
            
            .testimonials-carousel .owl-dot span {
                width: 7px !important;
                height: 7px !important;
                margin: 5px 4px !important;
                background: #ccd4e0 !important;
                transition: .3s ease;
            }
            
            .testimonials-carousel .owl-dot.active span {
                width: 25px !important;
                border-radius: 10px;
                background: #0f2e84 !important;
            }
            
            
            /* Responsive */
            
            @media (max-width: 767px) {
            
                .testimonial-card {
                    padding: 35px 25px 25px;
                    min-height: auto;
                }
            
                .testimonial-title {
                    font-size: 34px;
                }
            
                .testimonial-description {
                    font-size: 14px;
                }
            
            }