@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

:root {
  --bg: #fafbfc;
  --surface: #ffffff;
  --text-primary: #0f1729;
  --text-secondary: #475569;
  --text-tertiary: #94a3b8;
  --primary-50: #eff6ff;
  --primary-100: #dbeafe;
  --primary-500: #3b82f6;
  --primary-600: #2563eb;
  --primary-700: #1d4ed8;
  --primary-800: #1e40af;
  --primary-900: #1e3a8a;
  --accent-400: #fb923c;
  --accent-500: #f97316;
  --accent-600: #ea580c;
  --border: #e2e8f0;
  --border-light: #f1f5f9;
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.08), 0 2px 4px -2px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.04);
  --shadow-xl: 0 20px 25px -5px rgba(15, 23, 42, 0.1), 0 8px 10px -6px rgba(15, 23, 42, 0.04);
  --shadow-glow: 0 0 40px rgba(59, 130, 246, 0.15);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;
  --max-width: 1280px;
  --header-height: 72px;
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 200ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 300ms cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-primary);
  background: var(--bg);
}

img, picture, video, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
ul, ol { list-style: none; }

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
@media (min-width: 768px) { .container { padding: 0 40px; } }
@media (min-width: 1024px) { .container { padding: 0 64px; } }

/* Header */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  height: var(--header-height);
  background: rgba(255,255,255,0.85);
  backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid var(--border-light);
  transition: var(--transition-base);
}
.header.scrolled {
  background: rgba(255,255,255,0.96);
  box-shadow: var(--shadow-md);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
}

.logo { display: flex; align-items: center; gap: 12px; }
.logo-icon {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--primary-600), var(--primary-800));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 800;
  font-size: 12px;
  letter-spacing: -0.5px;
}
.logo-icon-img {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  object-fit: contain;
}
.logo-text { display: none; }
@media (min-width: 768px) { .logo-text { display: flex; flex-direction: column; } }
.logo-name { font-weight: 700; font-size: 15px; color: var(--text-primary); letter-spacing: -0.3px; }
.logo-tagline { font-size: 11px; color: var(--text-tertiary); font-weight: 500; }

.nav-menu { display: none; align-items: center; gap: 4px; }
@media (min-width: 1024px) { .nav-menu { display: flex; } }

.nav-link {
  padding: 10px 18px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-secondary);
  border-radius: var(--radius-full);
  transition: var(--transition-fast);
}
.nav-link:hover, .nav-link:focus-visible { color: var(--text-primary); background: var(--primary-50); }
.nav-link.active { color: var(--primary-600); background: var(--primary-50); }

.nav-actions { display: flex; align-items: center; gap: 12px; }

.nav-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: transparent;
  border: none;
  border-radius: var(--radius-md);
  color: var(--text-primary);
  transition: var(--transition-fast);
}
.nav-toggle:hover { background: var(--border-light); }
@media (min-width: 1024px) { .nav-toggle { display: none; } }
.nav-toggle svg { width: 24px; height: 24px; }

/* Mobile Nav */
.mobile-nav {
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--surface);
  padding: 24px;
  transform: translateX(100%);
  transition: transform var(--transition-slow);
  z-index: 99;
  overflow-y: auto;
}
.mobile-nav.open { transform: translateX(0); }
.mobile-nav-links { display: flex; flex-direction: column; gap: 8px; }
.mobile-nav-link {
  display: flex;
  align-items: center;
  padding: 16px 20px;
  font-size: 16px;
  font-weight: 600;
  color: var(--text-primary);
  background: var(--bg);
  border-radius: var(--radius-lg);
  transition: var(--transition-fast);
}
.mobile-nav-link:hover { background: var(--primary-50); color: var(--primary-600); }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  font-size: 14px;
  font-weight: 600;
  border-radius: var(--radius-full);
  border: none;
  cursor: pointer;
  transition: var(--transition-base);
  white-space: nowrap;
}
.btn:focus-visible { outline: 2px solid var(--primary-500); outline-offset: 2px; }
.btn-sm { padding: 8px 16px; font-size: 13px; }
.btn-lg { padding: 16px 32px; font-size: 16px; }

.btn-primary {
  background: linear-gradient(135deg, var(--primary-600), var(--primary-700));
  color: white;
  box-shadow: 0 4px 14px rgba(37,99,235,0.35);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  box-shadow: 0 6px 20px rgba(37,99,235,0.4);
  transform: translateY(-1px);
}

.btn-secondary {
  background: var(--surface);
  color: var(--text-primary);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.btn-secondary:hover { background: var(--bg); border-color: var(--text-tertiary); }

.btn-outline {
  background: transparent;
  color: var(--primary-600);
  border: 1.5px solid var(--primary-600);
}
.btn-outline:hover { background: var(--primary-50); }

.btn-accent {
  background: linear-gradient(135deg, var(--accent-500), var(--accent-600));
  color: white;
  box-shadow: 0 4px 14px rgba(249,115,22,0.35);
}
.btn-accent:hover { box-shadow: 0 6px 20px rgba(249,115,22,0.4); transform: translateY(-1px); }

.btn svg { width: 18px; height: 18px; }

/* Hero */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: calc(var(--header-height) + 60px) 0 80px;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background:
    radial-gradient(ellipse 80% 60% at 50% -20%, rgba(59,130,246,0.12), transparent),
    radial-gradient(ellipse 60% 50% at 100% 50%, rgba(249,115,22,0.08), transparent),
    radial-gradient(ellipse 50% 40% at 0% 80%, rgba(59,130,246,0.06), transparent);
  pointer-events: none;
}

.hero-grid {
  display: grid;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 1;
}
@media (min-width: 1024px) { .hero-grid { grid-template-columns: 1fr 1fr; gap: 64px; } }

.hero-content { max-width: 600px; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: var(--primary-50);
  border: 1px solid var(--primary-100);
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 600;
  color: var(--primary-700);
  margin-bottom: 24px;
}
.hero-badge svg { width: 16px; height: 16px; }

.hero-title {
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -1.5px;
  color: var(--text-primary);
  margin-bottom: 20px;
}
.hero-title span {
  background: linear-gradient(135deg, var(--primary-600), var(--accent-500));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-description {
  font-size: clamp(16px, 2vw, 18px);
  line-height: 1.7;
  color: var(--text-secondary);
  margin-bottom: 32px;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; margin-bottom: 48px; }

.hero-stats { display: flex; gap: 32px; padding-top: 32px; border-top: 1px solid var(--border); }
.hero-stat { display: flex; flex-direction: column; }
.hero-stat-value { font-size: 28px; font-weight: 800; color: var(--text-primary); letter-spacing: -1px; }
.hero-stat-label { font-size: 13px; color: var(--text-tertiary); font-weight: 500; }

.hero-visual { position: relative; }

.hero-card {
  background: var(--surface);
  border-radius: var(--radius-xl);
  padding: 32px;
  box-shadow: var(--shadow-xl), var(--shadow-glow);
  border: 1px solid var(--border-light);
}

.hero-card-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border-light);
}

.hero-card-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
}
.hero-card-icon svg { width: 24px; height: 24px; }

.hero-card-title { font-size: 18px; font-weight: 700; color: var(--text-primary); }
.hero-card-subtitle { font-size: 13px; color: var(--text-tertiary); }

.hero-card-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 16px 0;
}
.hero-card-item:not(:last-child) { border-bottom: 1px solid var(--border-light); }

.hero-card-item-icon {
  width: 36px;
  height: 36px;
  background: var(--primary-50);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
  flex-shrink: 0;
}
.hero-card-item-icon svg { width: 18px; height: 18px; }

.hero-card-item-content h4 { font-size: 14px; font-weight: 600; color: var(--text-primary); margin-bottom: 2px; }
.hero-card-item-content p { font-size: 13px; color: var(--text-tertiary); }

/* Sections */
.section { padding: 80px 0; }
@media (min-width: 768px) { .section { padding: 120px 0; } }

.section-header { max-width: 640px; margin-bottom: 48px; }
@media (min-width: 768px) { .section-header { margin-bottom: 64px; } }
.section-header.center { margin-left: auto; margin-right: auto; text-align: center; }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--primary-600);
  margin-bottom: 16px;
}

.section-title {
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -1px;
  color: var(--text-primary);
  margin-bottom: 16px;
}

.section-description { font-size: 17px; line-height: 1.7; color: var(--text-secondary); }

/* Cards */
.card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: 28px;
  transition: all 0.3s ease;
  cursor: pointer;
}

.card:hover,
.card:focus,
.card:active { 
  box-shadow: 0 20px 40px rgba(0, 128, 0, 0.15), 0 8px 16px rgba(0, 0, 0, 0.1);
  border-color: var(--primary-300);
  transform: translateY(-12px) scale(1.02);
  z-index: 5;
}

.card-icon {
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
  margin-bottom: 20px;
  transition: all 0.3s ease;
}

.card:hover .card-icon,
.card:focus .card-icon,
.card:active .card-icon {
  background: linear-gradient(135deg, var(--primary-100), var(--primary-200));
  transform: scale(1.1);
  box-shadow: 0 4px 12px rgba(0, 128, 0, 0.2);
}

.card-icon svg { width: 26px; height: 26px; transition: all 0.3s ease; }

.card:hover .card-icon svg,
.card:focus .card-icon svg,
.card:active .card-icon svg {
  transform: scale(1.1);
}

.card-icon.accent {
  background: linear-gradient(135deg, rgba(249,115,22,0.1), rgba(249,115,22,0.15));
  color: var(--accent-500);
}

.card:hover .card-icon.accent,
.card:focus .card-icon.accent,
.card:active .card-icon.accent {
  background: linear-gradient(135deg, rgba(249,115,22,0.15), rgba(249,115,22,0.25));
  box-shadow: 0 4px 12px rgba(249, 115, 22, 0.2);
}

.card-title { font-size: 18px; font-weight: 700; color: var(--text-primary); margin-bottom: 10px; }
.card-description { font-size: 14px; line-height: 1.6; color: var(--text-secondary); margin-bottom: 16px; }

.card-list { display: flex; flex-direction: column; gap: 10px; }
.card-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: var(--text-secondary); }
.card-list li svg { width: 18px; height: 18px; color: var(--primary-500); flex-shrink: 0; margin-top: 2px; }

/* Grids */
.grid-2 { display: grid; gap: 24px; }
@media (min-width: 768px) { .grid-2 { grid-template-columns: repeat(2, 1fr); gap: 32px; } }

.grid-3 { display: grid; gap: 24px; }
@media (min-width: 768px) { .grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }

.grid-4 { display: grid; gap: 24px; }
@media (min-width: 640px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .grid-4 { grid-template-columns: repeat(4, 1fr); } }

/* Trust Section */
.trust-section {
  background: var(--surface);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}
.trust-item { text-align: center; padding: 24px 16px; }
.trust-value { font-size: 32px; font-weight: 800; color: var(--text-primary); letter-spacing: -1px; margin-bottom: 4px; }
.trust-label { font-size: 14px; color: var(--text-tertiary); font-weight: 500; }

/* Steps Process */
.steps-process { 
  display: flex;
  flex-direction: column;
  gap: 16px;
}

@media (min-width: 768px) { 
  .steps-process { 
    flex-direction: row;
    align-items: flex-start;
    gap: 0;
  } 
}

.step {
  position: relative;
  padding: 32px 24px;
  background: var(--surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  text-align: center;
  flex: 1;
  transition: all 0.3s ease;
  cursor: pointer;
}

.step:hover,
.step:focus,
.step:active {
  border-color: var(--primary-300);
  box-shadow: 0 20px 40px rgba(0, 128, 0, 0.15), 0 8px 16px rgba(0, 0, 0, 0.1);
  transform: translateY(-12px) scale(1.02);
  z-index: 5;
}

.step:hover .step-icon-wrapper::before,
.step:focus .step-icon-wrapper::before,
.step:active .step-icon-wrapper::before {
  background: linear-gradient(135deg, var(--primary-100), var(--primary-200));
  border-color: var(--primary-300);
}

.step:hover .step-number,
.step:focus .step-number,
.step:active .step-number {
  transform: scale(1.1);
  box-shadow: 0 4px 12px rgba(0, 128, 0, 0.4);
}

.step:hover .step-icon,
.step:focus .step-icon,
.step:active .step-icon {
  color: var(--primary-700);
  transform: translate(-50%, -50%) scale(1.1);
}

@media (min-width: 768px) {
  .step {
    margin: 0 8px;
  }
}

.step-icon-wrapper {
  position: relative;
  width: 80px;
  height: 80px;
  margin: 0 auto 24px;
}

.step-number {
  position: absolute;
  top: -8px;
  right: -8px;
  width: 32px;
  height: 32px;
  background: linear-gradient(135deg, var(--primary-600), var(--primary-700));
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  color: white;
  z-index: 2;
  box-shadow: 0 2px 8px rgba(0, 128, 0, 0.3);
  transition: all 0.3s ease;
}

.step-icon {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  color: var(--primary-600);
  transition: all 0.3s ease;
}

.step-icon-wrapper::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-full);
  border: 2px solid var(--primary-200);
  transition: all 0.3s ease;
}

.step-content {
  position: relative;
}

.step-title { 
  font-size: 18px; 
  font-weight: 700; 
  color: var(--text-primary); 
  margin-bottom: 10px; 
}

.step-description { 
  font-size: 14px; 
  color: var(--text-secondary); 
  line-height: 1.6; 
}

/* Step Connector Arrow */
.step-connector {
  display: none;
}

@media (min-width: 768px) {
  .step-connector {
    display: flex;
    position: absolute;
    right: -20px;
    top: 50%;
    transform: translateY(-50%);
    width: 40px;
    height: 40px;
    background: var(--primary-600);
    border-radius: var(--radius-full);
    align-items: center;
    justify-content: center;
    color: white;
    z-index: 10;
    box-shadow: 0 4px 12px rgba(0, 128, 0, 0.25);
  }
  
  .step-connector svg {
    width: 20px;
    height: 20px;
  }
  
  .step:last-child .step-connector {
    display: none;
  }
}

/* Mobile step connector (vertical) */
@media (max-width: 767px) {
  .step-connector {
    display: flex;
    justify-content: center;
    padding: 8px 0;
    color: var(--primary-600);
    position: absolute;
    bottom: -28px;
    left: 50%;
    transform: translateX(-50%) rotate(90deg);
    width: 32px;
    height: 32px;
    background: var(--primary-100);
    border-radius: var(--radius-full);
    align-items: center;
    z-index: 5;
  }
  
  .step-connector svg {
    width: 16px;
    height: 16px;
  }
  
  .step:last-child .step-connector {
    display: none;
  }
  
  .steps-process {
    gap: 40px;
  }
}

/* Featured */
.featured-card {
  position: relative;
  background: var(--surface);
  border-radius: var(--radius-xl);
  padding: 36px;
  border: 1px solid var(--border);
  overflow: hidden;
}
.featured-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-500), var(--accent-500));
}

.featured-badge {
  display: inline-flex;
  padding: 6px 12px;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  border-radius: var(--radius-full);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: white;
  margin-bottom: 20px;
}

.featured-title { font-size: 22px; font-weight: 800; color: var(--text-primary); margin-bottom: 12px; }
.featured-description { font-size: 15px; color: var(--text-secondary); line-height: 1.7; margin-bottom: 24px; }

.featured-highlight {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  background: var(--primary-50);
  border-radius: var(--radius-md);
  margin-bottom: 24px;
}
.featured-highlight-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  flex-shrink: 0;
}
.featured-highlight-icon svg { width: 20px; height: 20px; }
.featured-highlight-text { font-size: 14px; font-weight: 600; color: var(--primary-700); }

/* CTA Section */
.cta-section {
  position: relative;
  background: linear-gradient(135deg, var(--primary-700), var(--primary-900));
  border-radius: var(--radius-xl);
  padding: 64px 32px;
  text-align: center;
  overflow: hidden;
}
@media (min-width: 768px) { .cta-section { padding: 80px 64px; } }

.cta-section::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background:
    radial-gradient(ellipse at top right, rgba(249,115,22,0.2), transparent 50%),
    radial-gradient(ellipse at bottom left, rgba(255,255,255,0.1), transparent 50%);
  pointer-events: none;
}

.cta-content { position: relative; z-index: 1; max-width: 600px; margin: 0 auto; }
.cta-title { font-size: clamp(26px, 4vw, 36px); font-weight: 800; color: white; margin-bottom: 16px; letter-spacing: -0.5px; }
.cta-description { font-size: 17px; color: rgba(255,255,255,0.8); margin-bottom: 32px; line-height: 1.7; }

.cta-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 16px; }
.cta-actions .btn-primary { background: white; color: var(--primary-700); box-shadow: 0 4px 14px rgba(0,0,0,0.2); }
.cta-actions .btn-primary:hover { background: var(--primary-50); }
.cta-actions .btn-secondary { background: transparent; color: white; border-color: rgba(255,255,255,0.3); }
.cta-actions .btn-secondary:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.5); }

/* Footer */
.footer { background: var(--text-primary); color: white; padding: 80px 0 32px; }

.footer-grid { display: grid; gap: 48px; margin-bottom: 64px; }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; } }

.footer-brand { max-width: 320px; }
.footer-logo { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.footer-logo-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 800;
  font-size: 14px;
}
.footer-logo-icon-img {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  object-fit: contain;
}
.footer-logo-text { font-size: 18px; font-weight: 700; }

.footer-tagline { font-size: 14px; color: rgba(255,255,255,0.6); line-height: 1.7; margin-bottom: 24px; }

.footer-social { display: flex; gap: 12px; }
.footer-social a {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  transition: var(--transition-fast);
}
.footer-social a:hover { background: var(--primary-500); }
.footer-social svg { width: 20px; height: 20px; }

.footer-heading { font-size: 14px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: white; margin-bottom: 20px; }

.footer-links { display: flex; flex-direction: column; gap: 12px; }
.footer-link { font-size: 14px; color: rgba(255,255,255,0.6); transition: var(--transition-fast); }
.footer-link:hover { color: white; }

.footer-contact-item { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 16px; }
.footer-contact-item svg { width: 20px; height: 20px; color: var(--primary-500); flex-shrink: 0; margin-top: 2px; }
.footer-contact-item span, .footer-contact-item a { font-size: 14px; color: rgba(255,255,255,0.6); }
.footer-contact-item a:hover { color: white; }

.footer-bottom {
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  flex-direction: column;
  gap: 16px;
  text-align: center;
}
@media (min-width: 768px) { .footer-bottom { flex-direction: row; justify-content: space-between; text-align: left; } }
.footer-copyright { font-size: 13px; color: rgba(255,255,255,0.5); }

/* Accordion */
.accordion { display: flex; flex-direction: column; gap: 12px; }
.accordion-item { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
.accordion-header {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  background: transparent;
  border: none;
  font-size: 16px;
  font-weight: 600;
  color: var(--text-primary);
  text-align: left;
  cursor: pointer;
  transition: var(--transition-fast);
}
.accordion-header:hover { background: var(--bg); }
.accordion-icon { width: 24px; height: 24px; color: var(--text-tertiary); transition: var(--transition-fast); }
.accordion-item.open .accordion-icon { transform: rotate(180deg); }
.accordion-content { max-height: 0; overflow: hidden; transition: max-height var(--transition-slow); }
.accordion-item.open .accordion-content { max-height: 500px; }
.accordion-body { padding: 0 24px 24px; font-size: 15px; color: var(--text-secondary); line-height: 1.7; }

/* Forms */
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 14px; font-weight: 600; color: var(--text-primary); margin-bottom: 8px; }
.form-input, .form-select, .form-textarea {
  width: 100%;
  padding: 14px 16px;
  font-size: 15px;
  font-family: inherit;
  color: var(--text-primary);
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  transition: var(--transition-fast);
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--primary-500);
  box-shadow: 0 0 0 3px rgba(59,130,246,0.15);
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--text-tertiary); }
.form-textarea { min-height: 120px; resize: vertical; }

/* Modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15,23,42,0.6);
  backdrop-filter: blur(4px);
  z-index: 200;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition-base);
}
.modal-overlay.open { opacity: 1; visibility: visible; }

.modal {
  background: var(--surface);
  border-radius: var(--radius-xl);
  max-width: 480px;
  width: 100%;
  max-height: calc(100vh - 48px);
  overflow-y: auto;
  transform: scale(0.95) translateY(20px);
  transition: var(--transition-slow);
}
.modal-overlay.open .modal { transform: scale(1) translateY(0); }

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 28px;
  border-bottom: 1px solid var(--border-light);
}
.modal-title { font-size: 20px; font-weight: 700; color: var(--text-primary); }

.modal-close {
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bg);
  border: none;
  border-radius: var(--radius-md);
  color: var(--text-secondary);
  cursor: pointer;
  transition: var(--transition-fast);
}
.modal-close:hover { background: var(--border); color: var(--text-primary); }
.modal-close svg { width: 20px; height: 20px; }

.modal-body { padding: 28px; }

/* Sticky CTA */
.sticky-cta {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 90;
  box-shadow: var(--shadow-xl);
}
@media (min-width: 1024px) { .sticky-cta { display: none; } }

/* Page Header */
.page-header {
  padding: calc(var(--header-height) + 60px) 0 60px;
  background: var(--surface);
  border-bottom: 1px solid var(--border-light);
}
.page-title { font-size: clamp(32px, 5vw, 48px); font-weight: 800; letter-spacing: -1px; color: var(--text-primary); margin-bottom: 16px; }
.page-description { font-size: 18px; color: var(--text-secondary); max-width: 640px; }

/* Contact */
.contact-card { background: var(--surface); border-radius: var(--radius-xl); padding: 32px; border: 1px solid var(--border); }
.contact-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
  margin-bottom: 20px;
}
.contact-icon svg { width: 28px; height: 28px; }
.contact-title { font-size: 20px; font-weight: 700; color: var(--text-primary); margin-bottom: 8px; }
.contact-text { font-size: 15px; color: var(--text-secondary); line-height: 1.7; margin-bottom: 20px; }
.contact-link { display: inline-flex; align-items: center; gap: 8px; font-size: 15px; font-weight: 600; color: var(--primary-600); transition: var(--transition-fast); }
.contact-link:hover { color: var(--primary-700); }
.contact-link svg { width: 18px; height: 18px; }

.map-placeholder {
  height: 300px;
  background: linear-gradient(135deg, var(--primary-50), rgba(249,115,22,0.05));
  border-radius: var(--radius-xl);
  border: 2px dashed var(--border);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  color: var(--text-tertiary);
}
.map-placeholder svg { width: 48px; height: 48px; opacity: 0.5; }

/* Timeline */
.timeline { position: relative; padding-left: 32px; }
.timeline::before { content: ''; position: absolute; left: 6px; top: 8px; bottom: 8px; width: 2px; background: var(--border); }
.timeline-item { position: relative; padding-bottom: 32px; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before {
  content: '';
  position: absolute;
  left: -26px;
  top: 8px;
  width: 14px;
  height: 14px;
  background: var(--primary-500);
  border-radius: var(--radius-full);
  border: 3px solid var(--surface);
  box-shadow: 0 0 0 2px var(--primary-500);
}
.timeline-date { font-size: 13px; font-weight: 700; color: var(--primary-600); margin-bottom: 8px; }
.timeline-title { font-size: 17px; font-weight: 700; color: var(--text-primary); margin-bottom: 6px; }
.timeline-description { font-size: 14px; color: var(--text-secondary); line-height: 1.6; }

/* Animations */
.fade-in { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* Zoom-out animation for cards */
.zoom-out {
  opacity: 0;
  transform: scale(1.15);
  transition: opacity 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94), 
              transform 0.7s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.zoom-out.visible {
  opacity: 1;
  transform: scale(1);
}

/* Staggered delay for multiple cards */
.zoom-out:nth-child(1) { transition-delay: 0s; }
.zoom-out:nth-child(2) { transition-delay: 0.1s; }
.zoom-out:nth-child(3) { transition-delay: 0.2s; }
.zoom-out:nth-child(4) { transition-delay: 0.3s; }

@media (prefers-reduced-motion: reduce) {
  .fade-in { opacity: 1; transform: none; transition: none; }
  .zoom-out { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; }
}

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.text-gradient { background: linear-gradient(135deg, var(--primary-600), var(--accent-500)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.bg-muted { background: var(--bg); }

/* Page Hero */
.page-hero {
  padding: calc(var(--header-height) + 64px) 0 64px;
  background: linear-gradient(180deg, var(--primary-50) 0%, var(--bg) 100%);
  text-align: center;
}
.page-title {
  font-size: clamp(32px, 6vw, 52px);
  font-weight: 800;
  letter-spacing: -1.5px;
  line-height: 1.1;
  color: var(--text-primary);
  margin: 16px 0;
}
.page-description {
  font-size: clamp(16px, 2.5vw, 18px);
  color: var(--text-secondary);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.7;
}

/* Content Grid */
.content-grid {
  display: grid;
  gap: 48px;
}
@media (min-width: 768px) {
  .content-grid {
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
  }
}
.content-text p {
  color: var(--text-secondary);
  margin-bottom: 16px;
  line-height: 1.8;
}
.content-text p:last-of-type { margin-bottom: 0; }
.content-visual { display: flex; justify-content: center; }

/* Value Cards */
.value-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 32px;
  text-align: center;
  transition: var(--transition-base);
}
.value-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.value-card.large {
  padding: 40px;
  background: linear-gradient(135deg, var(--primary-50), rgba(249,115,22,0.05));
}
.value-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin: 16px 0 8px;
}
.value-card p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
}
.value-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--primary-100), var(--primary-50));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
  color: var(--primary-600);
}

/* Timeline */
.timeline {
  position: relative;
  max-width: 800px;
  margin: 0 auto;
  padding-left: 24px;
}
.timeline::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(180deg, var(--primary-500), var(--accent-500));
  border-radius: 2px;
}
.timeline-item {
  position: relative;
  padding-left: 32px;
  padding-bottom: 40px;
}
.timeline-item:last-child { padding-bottom: 0; }
.timeline-marker {
  position: absolute;
  left: -24px;
  top: 0;
}
.timeline-year {
  background: linear-gradient(135deg, var(--primary-600), var(--primary-700));
  color: white;
  font-size: 12px;
  font-weight: 700;
  padding: 6px 12px;
  border-radius: var(--radius-full);
  white-space: nowrap;
}
.timeline-content h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}
.timeline-content p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.7;
}

/* Feature Items */
.feature-item {
  text-align: center;
  padding: 24px;
}
.feature-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: var(--primary-600);
}
.feature-item h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}
.feature-item p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* Feature List */
.feature-list {
  list-style: none;
  padding: 0;
  margin: 16px 0;
}
.feature-list li {
  padding: 8px 0;
  font-size: 14px;
  color: var(--text-secondary);
  border-bottom: 1px solid var(--border-light);
}
.feature-list li:last-child { border-bottom: none; }

/* Contact Cards */
.contact-cards {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.contact-card {
  display: flex;
  gap: 20px;
  padding: 24px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  transition: var(--transition-base);
}
.contact-card:hover {
  border-color: var(--primary-200);
  box-shadow: var(--shadow-md);
}
.contact-card-icon {
  width: 48px;
  height: 48px;
  flex-shrink: 0;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
}
.contact-card-icon.accent {
  background: linear-gradient(135deg, rgba(249,115,22,0.1), rgba(249,115,22,0.2));
  color: var(--accent-600);
}
.contact-card-content h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.contact-card-content p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin: 0;
}
.contact-card-content a {
  color: var(--primary-600);
  font-weight: 600;
}
.contact-card-content a:hover { color: var(--primary-700); }
.contact-card-detail {
  font-size: 13px !important;
  color: var(--text-tertiary) !important;
  margin-top: 8px !important;
}
.contact-link {
  color: var(--primary-600);
  font-weight: 600;
  font-size: 16px;
  display: block;
  margin-bottom: 4px;
}
.contact-link:hover { color: var(--primary-700); }

/* Contact Form Card */
.contact-form-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 32px;
}

/* Map Container */
.map-container {
  margin-bottom: 48px;
}
.map-placeholder {
  background: linear-gradient(135deg, var(--primary-50) 0%, rgba(249,115,22,0.05) 100%);
  border: 2px dashed var(--border);
  border-radius: var(--radius-xl);
  padding: 64px 32px;
  text-align: center;
}
.map-icon {
  width: 80px;
  height: 80px;
  background: var(--surface);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--primary-600);
  box-shadow: var(--shadow-md);
}
.map-placeholder h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}
.map-placeholder p {
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 0;
}

/* Directions */
.directions {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 32px;
}
.direction-item {
  text-align: center;
  padding: 16px;
}
.direction-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
  color: var(--primary-600);
}
.direction-item h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
}
.direction-item p {
  font-size: 13px;
  color: var(--text-secondary);
  line-height: 1.6;
}
.direction-item a {
  color: var(--primary-600);
  font-weight: 600;
}

/* Action Cards */
.action-card {
  display: block;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 32px;
  text-align: center;
  transition: var(--transition-base);
}
.action-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-200);
}
.action-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--primary-600);
}
.action-icon.accent {
  background: linear-gradient(135deg, rgba(249,115,22,0.1), rgba(249,115,22,0.15));
  color: var(--accent-600);
}
.action-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}
.action-card p {
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 16px;
}
.action-link {
  font-size: 14px;
  font-weight: 600;
  color: var(--primary-600);
}
.action-card:hover .action-link { color: var(--primary-700); }

/* ============================================
   PRODUCTS PAGE - NEW STYLES
   ============================================ */

/* Products Hero */
.products-hero {
  position: relative;
  padding: calc(var(--header-height) + 64px) 0 80px;
  overflow: hidden;
}

.products-hero-bg {
  position: absolute;
  inset: 0;
  background: 
    radial-gradient(ellipse 80% 50% at 20% 20%, rgba(59,130,246,0.15), transparent),
    radial-gradient(ellipse 60% 40% at 80% 80%, rgba(249,115,22,0.1), transparent),
    linear-gradient(180deg, var(--primary-50) 0%, var(--bg) 100%);
  z-index: 0;
}

.products-hero-content {
  position: relative;
  z-index: 1;
  max-width: 800px;
  text-align: center;
  margin: 0 auto;
}

.products-hero-title {
  font-size: clamp(36px, 6vw, 56px);
  font-weight: 800;
  letter-spacing: -1.5px;
  line-height: 1.1;
  color: var(--text-primary);
  margin: 16px 0 20px;
}

.products-hero-title span {
  background: linear-gradient(135deg, var(--primary-600), var(--accent-500));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.products-hero-description {
  font-size: clamp(16px, 2.5vw, 18px);
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 40px;
}

.products-hero-stats {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 16px;
}

.products-hero-stat {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 24px;
  background: var(--surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
}

.products-hero-stat-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
}

.products-hero-stat-icon.accent {
  background: linear-gradient(135deg, rgba(249,115,22,0.1), rgba(249,115,22,0.15));
  color: var(--accent-500);
}

.products-hero-stat-content {
  display: flex;
  flex-direction: column;
  text-align: left;
}

.products-hero-stat-value {
  font-size: 24px;
  font-weight: 800;
  color: var(--text-primary);
  letter-spacing: -0.5px;
}

.products-hero-stat-label {
  font-size: 13px;
  color: var(--text-tertiary);
  font-weight: 500;
}

/* Product Navigation */
.product-nav-section {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: var(--header-height);
  z-index: 50;
}

.product-nav {
  display: flex;
  justify-content: center;
  gap: 8px;
  padding: 16px 0;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

/* Mobile adjustments for product navigation */
@media (max-width: 640px) {
  .product-nav {
    justify-content: flex-start;
    padding: 16px 20px;
    gap: 12px;
  }
  
  .product-nav-item {
    flex-shrink: 0;
  }
}

.product-nav-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 20px;
  border-radius: var(--radius-full);
  font-size: 14px;
  font-weight: 600;
  color: var(--text-secondary);
  background: var(--bg);
  border: 1px solid transparent;
  transition: var(--transition-base);
  white-space: nowrap;
}

.product-nav-item:hover {
  color: var(--text-primary);
  background: var(--primary-50);
}

.product-nav-item.active {
  color: var(--primary-600);
  background: var(--primary-50);
  border-color: var(--primary-200);
}

.product-nav-icon {
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: inherit;
}

.product-nav-icon svg {
  width: 20px;
  height: 20px;
}

/* Product Cards Grid */
.product-cards-grid {
  display: grid;
  gap: 24px;
}

@media (min-width: 640px) {
  .product-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .product-cards-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

/* Product Card */
.product-card {
  position: relative;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 28px;
  transition: var(--transition-base);
  display: flex;
  flex-direction: column;
}

.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
  border-color: var(--primary-200);
}

.product-card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 20px;
}

.product-card-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
}

.product-card-icon.kids {
  background: linear-gradient(135deg, #fef3c7, #fde68a);
  color: #d97706;
}

.product-card-icon.special {
  background: linear-gradient(135deg, #dcfce7, #bbf7d0);
  color: #16a34a;
}

.product-card-badge {
  padding: 4px 10px;
  border-radius: var(--radius-full);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.product-card-badge.popular {
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  color: white;
}

.product-card-badge.featured {
  background: linear-gradient(135deg, #16a34a, #15803d);
  color: white;
}

.product-card-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 10px;
}

.product-card-description {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.product-card-features {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}

.product-card-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--text-secondary);
}

.product-card-features li svg {
  width: 16px;
  height: 16px;
  color: var(--primary-500);
  flex-shrink: 0;
}

.product-card-btn {
  width: 100%;
  margin-top: auto;
}

/* Loan Rate Banner */
.loan-rate-banner {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 32px;
  background: linear-gradient(135deg, var(--primary-700), var(--primary-900));
  border-radius: var(--radius-xl);
  margin-bottom: 48px;
}

@media (min-width: 768px) {
  .loan-rate-banner {
    flex-direction: row;
    padding: 40px 48px;
  }
}

.loan-rate-content {
  display: flex;
  align-items: center;
  gap: 20px;
}

.loan-rate-icon {
  width: 64px;
  height: 64px;
  background: rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  flex-shrink: 0;
}

.loan-rate-text {
  display: flex;
  flex-direction: column;
}

.loan-rate-label {
  font-size: 14px;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
}

.loan-rate-value {
  font-size: 28px;
  font-weight: 800;
  color: white;
  letter-spacing: -0.5px;
}

.loan-rate-sublabel {
  font-size: 13px;
  color: rgba(255,255,255,0.6);
  margin-top: 4px;
}

.loan-rate-banner .btn-primary {
  background: white;
  color: var(--primary-700);
  box-shadow: 0 4px 14px rgba(0,0,0,0.2);
  white-space: nowrap;
}

.loan-rate-banner .btn-primary:hover {
  background: var(--primary-50);
}

/* Loan Cards Grid */
.loan-cards-grid {
  display: grid;
  gap: 24px;
}

@media (min-width: 640px) {
  .loan-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .loan-cards-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

/* Loan Card */
.loan-card {
  position: relative;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 28px;
  transition: var(--transition-base);
  display: flex;
  flex-direction: column;
}

.loan-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.loan-card-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
  margin-bottom: 20px;
}

.loan-card-icon.education {
  background: linear-gradient(135deg, #dbeafe, #bfdbfe);
  color: #2563eb;
}

.loan-card-icon.emergency {
  background: linear-gradient(135deg, #fee2e2, #fecaca);
  color: #dc2626;
}

.loan-card-icon.building {
  background: linear-gradient(135deg, #e0e7ff, #c7d2fe);
  color: #4f46e5;
}

.loan-card-icon.business {
  background: linear-gradient(135deg, #dcfce7, #bbf7d0);
  color: #16a34a;
}

.loan-card-icon.transport {
  background: linear-gradient(135deg, rgba(249,115,22,0.1), rgba(249,115,22,0.2));
  color: var(--accent-500);
}

.loan-card-title {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.loan-card-description {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 20px;
}

.loan-card-details {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
  flex-grow: 1;
}

.loan-card-detail {
  display: flex;
  flex-direction: column;
  flex: 1;
  padding: 12px;
  background: var(--bg);
  border-radius: var(--radius-md);
}

.loan-card-detail-label {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-tertiary);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}

.loan-card-detail-value {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-primary);
}

.loan-card-btn {
  width: 100%;
  margin-top: auto;
  justify-content: center;
}

/* Background Gradient Section */
.bg-gradient {
  background: linear-gradient(180deg, var(--bg) 0%, var(--primary-50) 50%, var(--bg) 100%);
}

/* Agricultural Cards */
.agri-cards {
  display: grid;
  gap: 32px;
}

@media (min-width: 768px) {
  .agri-cards {
    grid-template-columns: repeat(2, 1fr);
  }
}

.agri-card {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: var(--surface);
  border: 1px solid var(--border);
}

.agri-card-glow {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 200px;
  background: linear-gradient(180deg, rgba(59,130,246,0.08), transparent);
  pointer-events: none;
}

.agri-card.agrifin .agri-card-glow {
  background: linear-gradient(180deg, rgba(249,115,22,0.08), transparent);
}

.agri-card-content {
  position: relative;
  padding: 36px;
}

.agri-card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 24px;
}

.agri-card-badge {
  display: inline-flex;
  padding: 8px 16px;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: white;
}

.agri-card-badge.orange {
  background: linear-gradient(135deg, var(--accent-500), var(--accent-600));
}

.agri-card-amount {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
}

.agri-card-amount-value {
  font-size: 32px;
  font-weight: 800;
  color: var(--primary-600);
  letter-spacing: -1px;
  line-height: 1;
}

.agri-card-amount.orange .agri-card-amount-value {
  color: var(--accent-500);
}

.agri-card-amount-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-tertiary);
  text-transform: uppercase;
}

.agri-card-title {
  font-size: 24px;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 12px;
}

.agri-card-description {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 24px;
}

.agri-card-rate {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  background: var(--primary-50);
  border-radius: var(--radius-md);
  margin-bottom: 28px;
  font-size: 15px;
  font-weight: 600;
  color: var(--primary-700);
}

.agri-card-rate.orange {
  background: rgba(249,115,22,0.1);
  color: var(--accent-600);
}

.agri-card-rate-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  flex-shrink: 0;
}

.agri-card-rate-icon.orange {
  background: linear-gradient(135deg, var(--accent-500), var(--accent-600));
}

.agri-card-lists {
  display: grid;
  gap: 24px;
  margin-bottom: 28px;
}

@media (min-width: 480px) {
  .agri-card-lists {
    grid-template-columns: repeat(2, 1fr);
  }
}

.agri-card-list h4 {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-primary);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
}

.agri-card-list ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.agri-card-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--text-secondary);
}

.agri-card-list li svg {
  width: 16px;
  height: 16px;
  color: var(--primary-500);
  flex-shrink: 0;
  margin-top: 2px;
}

.agri-card.agrifin .agri-card-list li svg {
  color: var(--accent-500);
}

.agri-card-btn {
  width: 100%;
}

/* Services Grid */
.services-grid {
  display: grid;
  gap: 24px;
}

@media (min-width: 768px) {
  .services-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.service-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
  padding: 32px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  transition: var(--transition-base);
}

@media (min-width: 640px) {
  .service-card {
    flex-direction: row;
  }
}

@media (min-width: 768px) {
  .service-card {
    flex-direction: column;
  }
}

.service-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.service-card-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
  flex-shrink: 0;
}

.service-card-icon.accent {
  background: linear-gradient(135deg, rgba(249,115,22,0.1), rgba(249,115,22,0.15));
  color: var(--accent-500);
}

.service-card-content h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.service-card-content p {
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 16px;
}

.service-card-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.service-card-tags span {
  padding: 4px 10px;
  background: var(--bg);
  border-radius: var(--radius-full);
  font-size: 12px;
  font-weight: 600;
  color: var(--text-tertiary);
}

/* ============================================
   FAQ SECTION - REDESIGNED STYLES
   ============================================ */

.faq-layout {
  display: grid;
  gap: 48px;
}

@media (min-width: 1024px) {
  .faq-layout {
    grid-template-columns: 320px 1fr;
    gap: 64px;
  }
}

.faq-header {
  position: relative;
}

@media (min-width: 1024px) {
  .faq-header {
    position: sticky;
    top: calc(var(--header-height) + 32px);
    align-self: start;
  }
}

.faq-contact-box {
  margin-top: 32px;
  padding: 24px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  display: flex;
  gap: 16px;
}

.faq-contact-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
  flex-shrink: 0;
}

.faq-contact-content h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 4px;
}

.faq-contact-content p {
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 16px;
}

.faq-items {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: var(--transition-base);
}

.faq-item:hover {
  border-color: var(--primary-200);
  box-shadow: var(--shadow-md);
}

.faq-item.open {
  border-color: var(--primary-300);
  box-shadow: var(--shadow-lg);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 24px;
  background: transparent;
  border: none;
  font-size: 16px;
  font-weight: 600;
  color: var(--text-primary);
  text-align: left;
  cursor: pointer;
  transition: var(--transition-fast);
}

.faq-question:hover {
  background: var(--bg);
}

.faq-question-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-600);
  flex-shrink: 0;
  transition: var(--transition-base);
}

.faq-question-icon.accent {
  background: linear-gradient(135deg, rgba(249,115,22,0.1), rgba(249,115,22,0.15));
  color: var(--accent-500);
}

.faq-item.open .faq-question-icon {
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  color: white;
}

.faq-item.open .faq-question-icon.accent {
  background: linear-gradient(135deg, var(--accent-500), var(--accent-600));
}

.faq-question span {
  flex-grow: 1;
}

.faq-arrow {
  width: 24px;
  height: 24px;
  color: var(--text-tertiary);
  transition: transform var(--transition-base);
  flex-shrink: 0;
}

.faq-item.open .faq-arrow {
  transform: rotate(180deg);
  color: var(--primary-600);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow);
}

.faq-item.open .faq-answer {
  max-height: 600px;
}

.faq-answer > * {
  padding: 0 24px;
}

.faq-answer > *:first-child {
  padding-top: 0;
}

.faq-answer > *:last-child {
  padding-bottom: 24px;
}

.faq-answer p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 16px;
}

.faq-answer ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 16px;
}

.faq-answer ul li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--text-secondary);
}

.faq-answer ul li svg {
  width: 18px;
  height: 18px;
  color: var(--primary-500);
  flex-shrink: 0;
  margin-top: 1px;
}

.faq-answer-note {
  font-size: 13px !important;
  color: var(--text-tertiary) !important;
  padding: 12px 16px;
  background: var(--bg);
  border-radius: var(--radius-md);
  border-left: 3px solid var(--primary-500);
  margin-top: 8px;
}

.faq-highlight-box {
  padding: 16px;
  background: linear-gradient(135deg, var(--primary-50), rgba(249,115,22,0.05));
  border-radius: var(--radius-md);
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.7;
}

.faq-highlight-box strong {
  color: var(--text-primary);
}

/* FAQ Hours Display */
.faq-hours {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 16px;
}

.faq-hour-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 16px;
  background: var(--bg);
  border-radius: var(--radius-md);
}

.faq-hour-item.closed {
  background: rgba(239, 68, 68, 0.05);
}

.faq-hour-day {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-primary);
}

.faq-hour-time {
  font-size: 14px;
  color: var(--text-secondary);
}

.faq-hour-item.closed .faq-hour-time {
  color: #ef4444;
  font-weight: 600;
}

/* FAQ Rate Display */
.faq-rate-display {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  background: linear-gradient(135deg, var(--primary-600), var(--primary-700));
  border-radius: var(--radius-lg);
  margin-bottom: 20px;
}

.faq-rate-main {
  display: flex;
  align-items: baseline;
  gap: 6px;
}

.faq-rate-value {
  font-size: 36px;
  font-weight: 800;
  color: white;
  letter-spacing: -1px;
}

.faq-rate-label {
  font-size: 14px;
  color: rgba(255,255,255,0.8);
  font-weight: 500;
}

.faq-rate-note {
  font-size: 13px;
  color: #ffffff !important;
  margin: 0 !important;
  padding: 0 !important;
  font-weight: 500;
}

.faq-special-rate {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 16px;
  background: linear-gradient(135deg, rgba(16,185,129,0.1), rgba(16,185,129,0.05));
  border-radius: var(--radius-md);
  font-size: 14px;
  color: var(--text-secondary);
  margin-top: 16px;
}

.faq-special-rate svg {
  width: 20px;
  height: 20px;
  color: #10b981;
  flex-shrink: 0;
}

.faq-special-rate strong {
  color: #059669;
}

/* FAQ Services */
.faq-services {
  display: grid;
  gap: 12px;
  margin-bottom: 16px;
}

@media (min-width: 480px) {
  .faq-services {
    grid-template-columns: repeat(3, 1fr);
  }
}

.faq-service {
  display: flex;
  flex-direction: column;
  padding: 16px;
  background: var(--bg);
  border-radius: var(--radius-md);
  text-align: center;
}

.faq-service-name {
  font-size: 14px;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 4px;
}

.faq-service-desc {
  font-size: 12px;
  color: var(--text-tertiary);
}