@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,100..1000;1,9..40,100..1000&family=Playfair+Display:ital,wght@0,400..900;1,400..900&display=swap');

:root {
  --sky-50: #f0f9ff;
  --sky-100: #e0f2fe;
  --sky-200: #bae6fd;
  --sky-300: #7dd3fc;
  --sky-400: #38bdf8;
  --sky-500: #0ea5e9;
  --sky-600: #0284c7;
  --sky-700: #0369a1;
  --sky-800: #075985;
  --sky-900: #0c4a6e;
  --sky-950: #082f49;
  --gray-50: #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --gray-900: #111827;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'DM Sans', system-ui, sans-serif;
  background: linear-gradient(180deg, var(--sky-50) 0%, #ffffff 100%);
  min-height: 100vh;
  color: var(--gray-700);
  line-height: 1.6;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Playfair Display', Georgia, serif;
  color: var(--gray-900);
}

a {
  text-decoration: none;
  color: inherit;
}

img {
  max-width: 100%;
  height: auto;
}

/* Container */
.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1rem;
}

/* Buttons */
.btn-primary {
  display: inline-block;
  background: linear-gradient(135deg, var(--sky-500), var(--sky-600));
  color: white;
  font-weight: 600;
  padding: 0.875rem 2rem;
  border-radius: 9999px;
  border: none;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 4px 14px rgba(14, 165, 233, 0.4);
  text-align: center;
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--sky-600), var(--sky-700));
  transform: scale(1.05);
  box-shadow: 0 6px 20px rgba(14, 165, 233, 0.5);
}

.btn-secondary {
  display: inline-block;
  background: white;
  color: var(--sky-600);
  font-weight: 600;
  padding: 0.875rem 2rem;
  border-radius: 9999px;
  border: 2px solid var(--sky-500);
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
  text-align: center;
}

.btn-secondary:hover {
  background: var(--sky-50);
  transform: scale(1.05);
}

/* Cards */
.card {
  background: white;
  border-radius: 1rem;
  padding: 1.5rem;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  transition: all 0.3s ease;
}

.card:hover {
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.12);
}

/* Gradient Text */
.gradient-text {
  background: linear-gradient(135deg, var(--sky-600), #0891b2);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Form Elements */
.input-field {
  width: 100%;
  padding: 0.875rem 1rem;
  border-radius: 0.75rem;
  border: 2px solid var(--sky-200);
  outline: none;
  font-family: inherit;
  font-size: 1rem;
  transition: all 0.3s ease;
  background: rgba(255, 255, 255, 0.8);
}

.input-field:focus {
  border-color: var(--sky-500);
  box-shadow: 0 0 0 4px var(--sky-100);
}

.select-field {
  width: 100%;
  padding: 0.875rem 1rem;
  border-radius: 0.75rem;
  border: 2px solid var(--sky-200);
  outline: none;
  font-family: inherit;
  font-size: 1rem;
  transition: all 0.3s ease;
  background: white;
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%230ea5e9'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  background-size: 1.5rem;
}

.select-field:focus {
  border-color: var(--sky-500);
  box-shadow: 0 0 0 4px var(--sky-100);
}

label {
  display: block;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 0.5rem;
  font-size: 0.875rem;
}

textarea.input-field {
  resize: none;
  min-height: 120px;
}

/* Badge */
.badge {
  display: inline-block;
  padding: 0.5rem 1rem;
  background: var(--sky-100);
  color: var(--sky-700);
  border-radius: 9999px;
  font-size: 0.875rem;
  font-weight: 600;
}

/* Header */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.logo-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--sky-400), var(--sky-600));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: bold;
  font-size: 1.25rem;
}

.logo-text {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
}

.nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.nav-link {
  color: var(--gray-700);
  font-weight: 500;
  transition: color 0.3s ease;
  position: relative;
}

.nav-link:hover {
  color: var(--sky-600);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--sky-500);
  transition: width 0.3s ease;
}

.nav-link:hover::after {
  width: 100%;
}

.nav-buttons {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.login-link {
  color: var(--sky-600);
  font-weight: 600;
}

.login-link:hover {
  color: var(--sky-700);
}

/* Mobile Menu */
.mobile-menu-btn {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 5px;
}

.mobile-menu-btn span {
  width: 24px;
  height: 2px;
  background: var(--sky-600);
  transition: all 0.3s ease;
}

.mobile-nav {
  display: none;
  position: fixed;
  top: 80px;
  left: 0;
  right: 0;
  background: white;
  padding: 1rem;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
  flex-direction: column;
  gap: 1rem;
}

.mobile-nav.active {
  display: flex;
}

.mobile-nav a {
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--sky-100);
}

@media (max-width: 768px) {
  .nav, .nav-buttons {
    display: none;
  }
  
  .mobile-menu-btn {
    display: flex;
  }
}

/* Hero Section */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
  background: linear-gradient(135deg, var(--sky-50) 0%, white 50%, var(--sky-100) 100%);
  position: relative;
  overflow: hidden;
}

.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  opacity: 0.3;
  animation: blob 7s infinite;
}

.hero-blob-1 {
  width: 300px;
  height: 300px;
  background: var(--sky-300);
  top: 100px;
  left: 50px;
}

.hero-blob-2 {
  width: 300px;
  height: 300px;
  background: #67e8f9;
  top: 200px;
  right: 50px;
  animation-delay: 2s;
}

.hero-blob-3 {
  width: 300px;
  height: 300px;
  background: var(--sky-200);
  bottom: 100px;
  left: 50%;
  animation-delay: 4s;
}

@keyframes blob {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(30px, -50px) scale(1.1); }
  66% { transform: translate(-20px, 20px) scale(0.9); }
}

.hero-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 10;
}

@media (max-width: 992px) {
  .hero-content {
    grid-template-columns: 1fr;
    text-align: center;
  }
  
  .hero-image {
    display: none;
  }
}

.hero-title {
  font-size: 3.5rem;
  line-height: 1.1;
  margin-bottom: 1.5rem;
}

@media (max-width: 768px) {
  .hero-title {
    font-size: 2.5rem;
  }
}

.hero-subtitle {
  font-size: 1.25rem;
  color: var(--gray-600);
  margin-bottom: 2rem;
}

.hero-buttons {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

@media (max-width: 992px) {
  .hero-buttons {
    justify-content: center;
  }
}

.hero-trust {
  display: flex;
  gap: 2rem;
  margin-top: 2.5rem;
  flex-wrap: wrap;
}

@media (max-width: 992px) {
  .hero-trust {
    justify-content: center;
  }
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gray-600);
  font-weight: 500;
}

.trust-icon {
  width: 24px;
  height: 24px;
  color: #22c55e;
}

.hero-image {
  position: relative;
}

.hero-image img {
  border-radius: 1.5rem;
  box-shadow: 0 25px 50px rgba(0, 0, 0, 0.2);
}

.hero-card {
  position: absolute;
  bottom: 2rem;
  left: 2rem;
  right: 2rem;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(10px);
  border-radius: 1rem;
  padding: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.hero-card-amount {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--sky-600);
}

.hero-card-label {
  font-size: 0.875rem;
  color: var(--gray-500);
}

.hero-card-icon {
  width: 50px;
  height: 50px;
  background: #22c55e;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-card-icon svg {
  width: 28px;
  height: 28px;
  color: white;
}

.hero-money-icon {
  position: absolute;
  top: -20px;
  right: -20px;
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, #4ade80, #22c55e);
  border-radius: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  box-shadow: 0 10px 30px rgba(34, 197, 94, 0.4);
  animation: float 3s ease-in-out infinite;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-15px); }
}

/* Sections */
.section {
  padding: 80px 0;
}

.section-header {
  text-align: center;
  margin-bottom: 4rem;
}

.section-title {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--gray-600);
  max-width: 600px;
  margin: 0 auto;
}

/* Features Grid */
.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

@media (max-width: 992px) {
  .features-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 576px) {
  .features-grid {
    grid-template-columns: 1fr;
  }
}

.feature-card {
  text-align: center;
  padding: 2rem;
  transition: transform 0.3s ease;
}

.feature-card:hover {
  transform: translateY(-10px);
}

.feature-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--sky-400), var(--sky-600));
  border-radius: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  color: white;
  transition: transform 0.3s ease;
}

.feature-card:hover .feature-icon {
  transform: scale(1.1);
}

.feature-icon svg {
  width: 32px;
  height: 32px;
}

.feature-title {
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.feature-text {
  color: var(--gray-600);
}

/* Steps Section */
.steps-section {
  background: linear-gradient(135deg, var(--sky-50), white);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

@media (max-width: 768px) {
  .steps-grid {
    grid-template-columns: 1fr;
  }
}

.step-card {
  position: relative;
}

.step-image {
  position: relative;
  height: 250px;
  border-radius: 1rem;
  overflow: hidden;
  margin-bottom: 1.5rem;
}

.step-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.step-card:hover .step-image img {
  transform: scale(1.1);
}

.step-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(12, 74, 110, 0.6), transparent);
}

.step-number {
  position: absolute;
  top: 1rem;
  left: 1rem;
  width: 48px;
  height: 48px;
  background: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  z-index: 10;
}

.step-title {
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.step-text {
  color: var(--gray-600);
}

/* Stats Section */
.stats-section {
  background: linear-gradient(135deg, var(--sky-600), var(--sky-700));
  padding: 60px 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

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

.stat-item {
  text-align: center;
}

.stat-value {
  font-size: 3rem;
  font-weight: 700;
  color: white;
  margin-bottom: 0.5rem;
}

.stat-label {
  color: var(--sky-200);
}

/* Testimonials */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

@media (max-width: 992px) {
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
}

.testimonial-card {
  padding: 2rem;
}

.testimonial-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
}

.testimonial-avatar {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  object-fit: cover;
}

.testimonial-name {
  font-weight: 700;
  color: var(--gray-900);
}

.testimonial-location {
  font-size: 0.875rem;
  color: var(--gray-500);
}

.testimonial-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 1rem;
}

.testimonial-stars svg {
  width: 20px;
  height: 20px;
  color: #fbbf24;
  fill: #fbbf24;
}

.testimonial-text {
  color: var(--gray-600);
  font-style: italic;
}

/* CTA Section */
.cta-section {
  background: linear-gradient(135deg, var(--sky-600), var(--sky-700), var(--sky-800));
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before,
.cta-section::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
}

.cta-section::before {
  width: 300px;
  height: 300px;
  top: -150px;
  left: -150px;
}

.cta-section::after {
  width: 400px;
  height: 400px;
  bottom: -200px;
  right: -200px;
}

.cta-title {
  font-size: 2.5rem;
  color: white;
  margin-bottom: 1rem;
}

.cta-text {
  color: var(--sky-100);
  font-size: 1.125rem;
  margin-bottom: 2rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.cta-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
  z-index: 10;
}

.cta-btn-primary {
  background: white;
  color: var(--sky-600);
  font-weight: 700;
  padding: 1rem 2.5rem;
  border-radius: 9999px;
  transition: all 0.3s ease;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.2);
}

.cta-btn-primary:hover {
  background: var(--sky-50);
  transform: scale(1.05);
}

.cta-btn-secondary {
  border: 2px solid white;
  color: white;
  font-weight: 700;
  padding: 1rem 2.5rem;
  border-radius: 9999px;
  transition: all 0.3s ease;
}

.cta-btn-secondary:hover {
  background: rgba(255, 255, 255, 0.1);
}

/* FAQ Section */
.faq-section {
  background: var(--sky-50);
}

.faq-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  padding: 1.5rem;
}

.faq-question {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 0.5rem;
  font-family: 'DM Sans', sans-serif;
}

.faq-answer {
  color: var(--gray-600);
}

/* Footer */
.footer {
  background: linear-gradient(180deg, var(--sky-900), var(--sky-950));
  color: white;
  padding: 80px 0 40px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

@media (max-width: 992px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 576px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

.footer-brand p {
  color: var(--sky-200);
  margin: 1.5rem 0;
  line-height: 1.7;
}

.footer-social {
  display: flex;
  gap: 1rem;
}

.footer-social a {
  width: 40px;
  height: 40px;
  background: var(--sky-800);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.3s ease;
}

.footer-social a:hover {
  background: var(--sky-700);
}

.footer-social svg {
  width: 20px;
  height: 20px;
}

.footer-title {
  font-size: 1.125rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
  font-family: 'DM Sans', sans-serif;
  color: white;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-links a {
  color: var(--sky-200);
  transition: color 0.3s ease;
}

.footer-links a:hover {
  color: white;
}

.footer-disclaimer {
  padding-top: 2rem;
  border-top: 1px solid var(--sky-800);
  margin-bottom: 2rem;
}

.footer-disclaimer p {
  color: var(--sky-300);
  font-size: 0.875rem;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 2rem;
  border-top: 1px solid var(--sky-800);
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-bottom p {
  color: var(--sky-300);
  font-size: 0.875rem;
}

.footer-security {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--sky-300);
  font-size: 0.875rem;
}

.footer-security svg {
  width: 20px;
  height: 20px;
  color: #4ade80;
}

/* Page Header */
.page-header {
  padding: 140px 0 60px;
  text-align: center;
  background: linear-gradient(135deg, var(--sky-50), white);
}

.page-title {
  font-size: 3rem;
  margin-bottom: 1rem;
}

.page-subtitle {
  color: var(--gray-600);
  font-size: 1.125rem;
}

/* Content Page */
.content-section {
  padding: 60px 0;
}

.content-wrapper {
  max-width: 900px;
  margin: 0 auto;
}

.content-wrapper h2 {
  font-size: 1.5rem;
  margin: 2rem 0 1rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.content-wrapper h3 {
  font-size: 1.25rem;
  margin: 1.5rem 0 0.75rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
}

.content-wrapper p {
  margin-bottom: 1rem;
  color: var(--gray-600);
}

.content-wrapper ul {
  margin: 1rem 0;
  padding-left: 1.5rem;
}

.content-wrapper li {
  margin-bottom: 0.5rem;
  color: var(--gray-600);
}

.content-box {
  background: var(--sky-50);
  border-radius: 1rem;
  padding: 1.5rem;
  margin: 1.5rem 0;
}

/* Contact Grid */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

@media (max-width: 768px) {
  .contact-grid {
    grid-template-columns: 1fr;
  }
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.contact-card {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.contact-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--sky-400), var(--sky-600));
  border-radius: 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon svg {
  width: 24px;
  height: 24px;
  color: white;
}

.contact-label {
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 0.25rem;
}

.contact-value {
  color: var(--gray-600);
}

.contact-cta {
  background: linear-gradient(135deg, var(--sky-500), var(--sky-600));
  color: white;
  padding: 1.5rem;
  border-radius: 1rem;
}

.contact-cta h3 {
  color: white;
  margin-bottom: 0.75rem;
}

.contact-cta p {
  color: var(--sky-100);
  margin-bottom: 1rem;
}

.contact-cta .btn-secondary {
  background: white;
  color: var(--sky-600);
  border: none;
}

/* Form Grid */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

@media (max-width: 576px) {
  .form-grid {
    grid-template-columns: 1fr;
  }
}

.form-group {
  margin-bottom: 1.5rem;
}

.form-full {
  grid-column: 1 / -1;
}

/* Rates Cards */
.rates-overview {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-bottom: 4rem;
}

@media (max-width: 768px) {
  .rates-overview {
    grid-template-columns: 1fr;
  }
}

.rate-card {
  text-align: center;
  padding: 2rem;
}

.rate-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--sky-400), var(--sky-600));
  border-radius: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  color: white;
}

.rate-icon svg {
  width: 32px;
  height: 32px;
}

.rate-title {
  font-size: 1.125rem;
  margin-bottom: 0.5rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.rate-value {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
}

.rate-note {
  font-size: 0.875rem;
  color: var(--gray-500);
}

/* Examples Grid */
.examples-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-bottom: 4rem;
}

@media (max-width: 768px) {
  .examples-grid {
    grid-template-columns: 1fr;
  }
}

.example-card {
  padding: 2rem;
}

.example-amount {
  text-align: center;
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--gray-100);
}

.example-amount-label {
  font-size: 0.875rem;
  color: var(--gray-500);
  margin-bottom: 0.25rem;
}

.example-amount-value {
  font-size: 2.5rem;
  font-weight: 700;
}

.example-details {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.example-row {
  display: flex;
  justify-content: space-between;
}

.example-label {
  color: var(--gray-600);
}

.example-value {
  font-weight: 600;
  color: var(--gray-900);
}

.example-footer {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--gray-100);
  text-align: center;
  font-size: 0.875rem;
  color: var(--gray-500);
}

/* Two Column Layout */
.two-column {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

@media (max-width: 992px) {
  .two-column {
    grid-template-columns: 1fr;
  }
  
  .two-column .order-first {
    order: -1;
  }
}

/* Fees List */
.fees-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.fee-item {
  padding: 1.5rem;
}

.fee-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 0.5rem;
  font-family: 'DM Sans', sans-serif;
}

.fee-text {
  color: var(--gray-600);
}

/* Image with overlay */
.image-overlay {
  position: relative;
  border-radius: 1.5rem;
  overflow: hidden;
}

.image-overlay img {
  width: 100%;
  display: block;
}

.image-overlay::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(12, 74, 110, 0.6), transparent);
}

.image-overlay-content {
  position: absolute;
  bottom: 2rem;
  left: 2rem;
  right: 2rem;
  color: white;
  z-index: 10;
}

.image-overlay-content h3 {
  color: white;
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
}

.image-overlay-content p {
  color: var(--sky-100);
}

/* APR Info Box */
.apr-info {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-top: 1.5rem;
}

@media (max-width: 576px) {
  .apr-info {
    grid-template-columns: 1fr;
  }
}

.apr-box {
  background: var(--sky-50);
  border-radius: 1rem;
  padding: 1.5rem;
}

.apr-box h4 {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  font-family: 'DM Sans', sans-serif;
}

.apr-box ul {
  list-style: none;
  padding: 0;
}

.apr-box li {
  color: var(--gray-600);
  margin-bottom: 0.5rem;
  padding-left: 1.25rem;
  position: relative;
}

.apr-box li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--sky-500);
}

/* Disclaimer Box */
.disclaimer {
  background: var(--gray-100);
  border-radius: 1rem;
  padding: 1.5rem;
  margin-top: 4rem;
}

.disclaimer p {
  font-size: 0.875rem;
  color: var(--gray-500);
  margin: 0;
}

/* Principles Grid */
.principles-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-bottom: 4rem;
}

@media (max-width: 992px) {
  .principles-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 576px) {
  .principles-grid {
    grid-template-columns: 1fr;
  }
}

.principle-card {
  text-align: center;
  padding: 1.5rem;
}

.principle-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--sky-400), var(--sky-600));
  border-radius: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  color: white;
}

.principle-icon svg {
  width: 32px;
  height: 32px;
}

.principle-title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  font-family: 'DM Sans', sans-serif;
}

.principle-text {
  font-size: 0.875rem;
  color: var(--gray-600);
}

/* Standards Grid */
.standards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

@media (max-width: 768px) {
  .standards-grid {
    grid-template-columns: 1fr;
  }
}

.standards-title {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 1.25rem;
  margin-bottom: 1rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.standards-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 700;
}

.standards-icon.green {
  background: #22c55e;
}

.standards-icon.red {
  background: #ef4444;
}

.standards-list {
  list-style: none;
  padding: 0;
}

.standards-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
  color: var(--gray-600);
}

.standards-list li svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  margin-top: 2px;
}

.standards-list li svg.green {
  color: #22c55e;
}

.standards-list li svg.red {
  color: #ef4444;
}

/* Tips List */
.tips-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.tip-card {
  padding: 1.25rem;
}

.tip-title {
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 0.25rem;
}

.tip-text {
  color: var(--gray-600);
  font-size: 0.9375rem;
}

/* Warning Box */
.warning-box {
  background: linear-gradient(135deg, #fefce8, #fef3c7);
  border: 2px solid #fbbf24;
  border-radius: 1rem;
  padding: 1.5rem;
  margin: 3rem 0;
}

.warning-header {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.warning-icon {
  width: 48px;
  height: 48px;
  background: #f59e0b;
  border-radius: 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.warning-icon svg {
  width: 24px;
  height: 24px;
  color: white;
}

.warning-title {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  font-family: 'DM Sans', sans-serif;
}

.warning-text {
  color: var(--gray-600);
  margin-bottom: 1rem;
}

.warning-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem;
  list-style: none;
  padding: 0;
}

@media (max-width: 576px) {
  .warning-list {
    grid-template-columns: 1fr;
  }
}

.warning-list li {
  color: var(--gray-600);
}

/* Login Page */
.login-section {
  min-height: calc(100vh - 80px);
  display: flex;
  align-items: center;
  padding: 100px 0;
}

.login-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  max-width: 1000px;
  margin: 0 auto;
}

@media (max-width: 992px) {
  .login-grid {
    grid-template-columns: 1fr;
  }
  
  .login-image {
    display: none;
  }
}

.login-form-wrapper {
  max-width: 400px;
  margin: 0 auto;
}

.login-header {
  text-align: center;
  margin-bottom: 2rem;
}

.login-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--sky-400), var(--sky-600));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  color: white;
  font-size: 1.75rem;
  font-weight: 700;
}

.login-title {
  font-size: 1.75rem;
  margin-bottom: 0.5rem;
}

.login-subtitle {
  color: var(--gray-600);
}

.login-options {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
}

.checkbox-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
  font-size: 0.875rem;
  color: var(--gray-600);
}

.checkbox-label input {
  width: 16px;
  height: 16px;
  accent-color: var(--sky-600);
}

.forgot-link {
  font-size: 0.875rem;
  color: var(--sky-600);
  font-weight: 500;
}

.forgot-link:hover {
  color: var(--sky-700);
}

.login-footer {
  text-align: center;
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--gray-200);
}

.login-footer p {
  color: var(--gray-600);
}

.login-footer a {
  color: var(--sky-600);
  font-weight: 600;
}

.login-footer a:hover {
  color: var(--sky-700);
}

.login-terms {
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--gray-200);
}

.login-terms p {
  font-size: 0.75rem;
  color: var(--gray-500);
  text-align: center;
}

.login-terms a {
  color: var(--sky-600);
}

.login-image {
  position: relative;
  border-radius: 1.5rem;
  overflow: hidden;
}

.login-image img {
  width: 100%;
  display: block;
}

.login-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(12, 74, 110, 0.7), transparent);
}

.login-image-content {
  position: absolute;
  bottom: 2rem;
  left: 2rem;
  right: 2rem;
  color: white;
  z-index: 10;
}

.login-image-content h2 {
  color: white;
  font-size: 1.75rem;
  margin-bottom: 0.75rem;
}

.login-image-content p {
  color: var(--sky-100);
}

/* Unsubscribe Page */
.unsubscribe-section {
  padding: 140px 0 80px;
}

.unsubscribe-card {
  max-width: 500px;
  margin: 0 auto;
  text-align: center;
  padding: 3rem;
}

.unsubscribe-icon {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--sky-400), var(--sky-600));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
}

.unsubscribe-icon svg {
  width: 40px;
  height: 40px;
  color: white;
}

.unsubscribe-icon.success {
  background: linear-gradient(135deg, #4ade80, #22c55e);
}

.unsubscribe-title {
  font-size: 1.75rem;
  margin-bottom: 1rem;
}

.unsubscribe-text {
  color: var(--gray-600);
  margin-bottom: 2rem;
}

.unsubscribe-note {
  font-size: 0.875rem;
  color: var(--gray-500);
  margin-top: 1.5rem;
}

.unsubscribe-success {
  background: var(--sky-50);
  border-radius: 1rem;
  padding: 1.5rem;
  margin-top: 1.5rem;
}

.unsubscribe-success p {
  color: var(--gray-600);
  margin-bottom: 1rem;
}

.unsubscribe-success a {
  color: var(--sky-600);
  font-weight: 600;
}

/* Do Not Sell Page */
.dns-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

@media (max-width: 992px) {
  .dns-grid {
    grid-template-columns: 1fr;
  }
}

.dns-info h2 {
  font-size: 1.5rem;
  margin-bottom: 1rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.dns-info h3 {
  font-size: 1.25rem;
  margin: 1.5rem 0 0.75rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
}

.dns-info p {
  color: var(--gray-600);
  margin-bottom: 1rem;
}

.dns-info ul {
  padding-left: 1.25rem;
  margin-bottom: 1rem;
}

.dns-info li {
  color: var(--gray-600);
  margin-bottom: 0.5rem;
}

.dns-note {
  background: var(--sky-50);
  border-radius: 1rem;
  padding: 1rem;
  margin-top: 1.5rem;
}

.dns-note p {
  font-size: 0.875rem;
  margin: 0;
}

.dns-form h2 {
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.dns-form > p {
  color: var(--gray-600);
  margin-bottom: 1.5rem;
}

.dns-checkbox {
  background: var(--sky-50);
  border-radius: 1rem;
  padding: 1rem;
  margin-bottom: 1.5rem;
}

.dns-checkbox label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
  font-weight: normal;
  font-size: 0.875rem;
  margin: 0;
}

.dns-checkbox input {
  margin-top: 3px;
  width: 16px;
  height: 16px;
  accent-color: var(--sky-600);
}

.dns-success {
  text-align: center;
  padding: 2rem 0;
}

/* Apply Page */
.apply-section {
  padding: 100px 0 60px;
}

.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}

@media (max-width: 992px) {
  .apply-grid {
    grid-template-columns: 1fr;
  }
  
  .apply-sidebar {
    display: none;
  }
}

.apply-header {
  margin-bottom: 2rem;
}

.apply-title {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.apply-subtitle {
  color: var(--gray-600);
  font-size: 1.125rem;
}

/* Progress Bar */
.progress-bar {
  margin-bottom: 2rem;
}

.progress-labels {
  display: flex;
  justify-content: space-between;
  margin-bottom: 0.5rem;
}

.progress-label {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-400);
}

.progress-label.active {
  color: var(--sky-600);
}

.progress-track {
  height: 8px;
  background: var(--sky-100);
  border-radius: 9999px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--sky-500), var(--sky-600));
  border-radius: 9999px;
  transition: width 0.5s ease;
}

/* Form Steps */
.form-step {
  display: none;
}

.form-step.active {
  display: block;
}

.form-step-title {
  font-size: 1.5rem;
  margin-bottom: 1.5rem;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
}

.form-actions {
  display: flex;
  justify-content: space-between;
  margin-top: 2rem;
}

.form-consent {
  background: var(--sky-50);
  border-radius: 1rem;
  padding: 1rem;
  margin-top: 1rem;
}

.form-consent p {
  font-size: 0.875rem;
  color: var(--gray-600);
  margin: 0;
}

.form-consent a {
  color: var(--sky-600);
}

/* Apply Sidebar */
.apply-sidebar-image {
  position: relative;
  border-radius: 1.5rem;
  overflow: hidden;
  margin-bottom: 1.5rem;
}

.apply-sidebar-image img {
  width: 100%;
  display: block;
}

.apply-sidebar-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(12, 74, 110, 0.6), transparent);
}

.apply-sidebar-quote {
  position: absolute;
  bottom: 1.5rem;
  left: 1.5rem;
  right: 1.5rem;
  color: white;
  z-index: 10;
}

.apply-sidebar-quote p {
  font-size: 1.125rem;
  font-weight: 500;
  margin-bottom: 0.5rem;
}

.apply-sidebar-quote span {
  font-size: 0.875rem;
  color: var(--sky-200);
}

.apply-benefits {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.apply-benefit {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 1rem;
}

.apply-benefit span:first-child {
  font-size: 1.5rem;
}

.apply-benefit span:last-child {
  font-weight: 500;
  color: var(--gray-700);
}

/* Utility Classes */
.text-center {
  text-align: center;
}

.mb-0 {
  margin-bottom: 0;
}

.mb-1 {
  margin-bottom: 0.5rem;
}

.mb-2 {
  margin-bottom: 1rem;
}

.mb-3 {
  margin-bottom: 1.5rem;
}

.mb-4 {
  margin-bottom: 2rem;
}

.mt-2 {
  margin-top: 1rem;
}

.mt-4 {
  margin-top: 2rem;
}

.w-full {
  width: 100%;
}