/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

:root {
    /* Enhanced Color Palette - Professional Blue Theme */
    --primary-blue: #0066CC;
    --primary-blue-dark: #0052A3;
    --primary-blue-light: #1A7FE6;
    --accent-blue: #2B88D9;
    --accent-blue-dark: #1E5A8E;
    --accent-blue-light: #4A9FE5;
    --navy-blue: #003D82;
    --dark-gray: #1A1A1A;
    --gray-700: #333333;
    --gray-600: #4A4A4A;
    --gray-500: #666666;
    --gray-400: #8E8E8E;
    --gray-300: #B3B3B3;
    --gray-200: #D9D9D9;
    --gray-100: #E8E8E8;
    --light-gray: #666666;
    --yellow-accent: #FFD700;
    --white: #FFFFFF;
    --light-bg: #F8F9FA;
    --light-bg-alt: #F0F2F5;
    --border-color: #E0E0E0;
    --border-color-light: #F0F0F0;
    
    /* Spacing Scale (8px grid system) */
    --spacing-xs: 4px;
    --spacing-sm: 8px;
    --spacing-md: 16px;
    --spacing-lg: 24px;
    --spacing-xl: 32px;
    --spacing-2xl: 48px;
    --spacing-3xl: 64px;
    --spacing-4xl: 80px;
    --spacing-5xl: 96px;
    
    /* Shadow System */
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.04), 0 1px 3px rgba(0, 0, 0, 0.06);
    --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.07), 0 2px 4px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px rgba(0, 0, 0, 0.1), 0 4px 6px rgba(0, 0, 0, 0.08);
    --shadow-xl: 0 20px 25px rgba(0, 0, 0, 0.1), 0 10px 10px rgba(0, 0, 0, 0.04);
    --shadow-hover: 0 12px 24px rgba(0, 0, 0, 0.15), 0 6px 12px rgba(0, 0, 0, 0.1);
    
    /* Border Radius */
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    --radius-full: 9999px;
    
    /* Transitions */
    --transition-fast: 0.15s ease;
    --transition-base: 0.3s ease;
    --transition-slow: 0.5s ease;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    color: var(--dark-gray);
    line-height: 1.7;
    background-color: var(--white);
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

/* Scroll Animations */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeIn {
    from {
        opacity: 0;
    }
    to {
        opacity: 1;
    }
}

.animate-on-scroll {
    animation: fadeInUp 0.6s ease-out forwards;
}

.service-card,
.how-it-works-item,
.reason-card,
.approach-item,
.stat-item {
    animation: fadeInUp 0.6s ease-out forwards;
    opacity: 0;
}

.service-card:nth-child(1),
.how-it-works-item:nth-child(1),
.reason-card:nth-child(1),
.approach-item:nth-child(1) {
    animation-delay: 0.1s;
}

.service-card:nth-child(2),
.how-it-works-item:nth-child(2),
.reason-card:nth-child(2),
.approach-item:nth-child(2) {
    animation-delay: 0.2s;
}

.service-card:nth-child(3),
.how-it-works-item:nth-child(3),
.reason-card:nth-child(3),
.approach-item:nth-child(3) {
    animation-delay: 0.3s;
}

.service-card:nth-child(4),
.reason-card:nth-child(4) {
    animation-delay: 0.4s;
}

.service-card:nth-child(5),
.reason-card:nth-child(5) {
    animation-delay: 0.5s;
}

.service-card:nth-child(6),
.reason-card:nth-child(6) {
    animation-delay: 0.6s;
}

/* Enhanced Typography */
h1, h2, h3, h4, h5, h6 {
    font-family: 'Vollkorn', Georgia, serif;
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: -0.02em;
    color: var(--dark-gray);
}

h1 {
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    font-weight: 700;
    margin-bottom: var(--spacing-md);
}

h2 {
    font-size: clamp(2rem, 4vw, 2.75rem);
    font-weight: 700;
    margin-bottom: var(--spacing-lg);
}

h3 {
    font-size: clamp(1.5rem, 3vw, 1.875rem);
    font-weight: 600;
    margin-bottom: var(--spacing-md);
}

p {
    font-size: 1.125rem;
    line-height: 1.8;
    color: var(--gray-600);
    margin-bottom: var(--spacing-md);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--spacing-xl);
}

/* Modern Header Styles */
.main-header {
    background-color: var(--white);
    border-bottom: 1px solid var(--border-color-light);
    padding: var(--spacing-lg) 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: var(--shadow-sm);
    transition: box-shadow var(--transition-base);
}

.main-header.scrolled {
    box-shadow: var(--shadow-md);
}

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

.logo a {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--primary-blue);
    text-decoration: none;
    font-family: 'Vollkorn', Georgia, serif;
    transition: color var(--transition-base);
    letter-spacing: -0.02em;
}

.logo a:hover {
    color: var(--primary-blue-dark);
}

.main-nav ul {
    display: flex;
    list-style: none;
    gap: var(--spacing-xl);
    align-items: center;
}

.main-nav a {
    color: var(--gray-700);
    text-decoration: none;
    font-size: 1rem;
    font-weight: 500;
    transition: color var(--transition-base);
    position: relative;
    padding: var(--spacing-sm) 0;
}

.main-nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--primary-blue);
    transition: width var(--transition-base);
}

.main-nav a:hover::after,
.main-nav a.active::after {
    width: 100%;
}

.main-nav a:hover,
.main-nav a.active {
    color: var(--primary-blue);
}

.dropdown-arrow {
    font-size: 0.625rem;
    margin-left: var(--spacing-xs);
    transition: transform var(--transition-base);
}

.has-dropdown {
    position: relative;
}

.has-dropdown:hover .dropdown-arrow {
    transform: translateY(2px);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: var(--white);
    border-radius: var(--radius-md);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
    padding: var(--spacing-md) 0;
    min-width: 220px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.3s ease;
    z-index: 1000;
    list-style: none;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 0;
    align-items: stretch;
}

.has-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-menu li {
    margin: 0;
}

.dropdown-menu a {
    display: block;
    padding: var(--spacing-sm) var(--spacing-lg);
    color: var(--dark-gray);
    text-decoration: none;
    font-size: 0.9375rem;
    transition: all var(--transition-base);
    white-space: nowrap;
}

.dropdown-menu a:hover {
    background: var(--light-bg);
    color: var(--primary-blue);
    padding-left: calc(var(--spacing-lg) + 8px);
}

.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: var(--spacing-sm);
    font-size: 1.5rem;
    color: var(--gray-700);
}

/* Hero Section - Modernized */
.hero-section {
    padding: var(--spacing-3xl) 0;
    background: linear-gradient(180deg, var(--white) 0%, var(--light-bg) 100%);
    position: relative;
    overflow: hidden;
}

.hero-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(0, 102, 204, 0.05) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}

.hero-content {
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.hero-text-wrapper {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-2xl);
    margin: 0;
}

.hero-illustration {
    display: none; /* Hide placeholder illustrations */
}

.hero-text {
    flex: 1;
    text-align: center;
    max-width: 900px;
    margin: 0 auto;
}

.hero-text h1 {
    font-size: clamp(2.5rem, 6vw, 4rem);
    font-weight: 700;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-sm);
    line-height: 1.1;
    letter-spacing: -0.03em;
}

.rotating-text-container {
    display: inline-block;
    position: relative;
    min-height: 3rem;
    vertical-align: middle;
    margin-bottom: var(--spacing-sm);
}

.rotating-text {
    color: var(--primary-blue);
    font-size: clamp(2.5rem, 6vw, 4rem);
    font-weight: 700;
    display: inline-block;
    font-family: 'Vollkorn', Georgia, serif;
    letter-spacing: -0.03em;
}

.cursor {
    display: inline-block;
    width: 4px;
    height: clamp(2.5rem, 6vw, 4rem);
    background-color: var(--primary-blue);
    margin-left: var(--spacing-sm);
    animation: blink 1s infinite;
    border-radius: var(--radius-sm);
}

@keyframes blink {
    0%, 50% { opacity: 1; }
    51%, 100% { opacity: 0; }
}

.hero-text .sub-heading {
    font-size: clamp(1.25rem, 3vw, 1.5rem);
    color: var(--gray-600);
    margin: var(--spacing-sm) auto var(--spacing-md);
    font-weight: 500;
    letter-spacing: 0.02em;
    text-align: center;
    display: block;
    width: 100%;
}

.hero-text p {
    font-size: clamp(1rem, 2vw, 1.125rem);
    color: var(--gray-600);
    max-width: 700px;
    margin: var(--spacing-md) auto 0;
    line-height: 1.8;
}

.hero-cta {
    margin-top: var(--spacing-xl);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-lg);
}

.btn-primary {
    font-size: 1.125rem;
    padding: 20px 48px;
    min-height: 56px;
    box-shadow: 0 6px 16px rgba(0, 102, 204, 0.35);
}

.btn-primary:hover {
    box-shadow: 0 10px 24px rgba(0, 102, 204, 0.45);
}

.trust-badges {
    display: flex;
    gap: var(--spacing-xl);
    flex-wrap: wrap;
    justify-content: center;
}

.trust-badge {
    font-size: 0.9375rem;
    color: var(--gray-700);
    font-weight: 500;
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-xs);
}

/* Services Section - Modernized */
.services-section {
    padding: var(--spacing-4xl) 0;
    background-color: var(--light-bg);
    position: relative;
    scroll-margin-top: 80px;
}

.section-title {
    text-align: center;
    font-size: clamp(2rem, 4vw, 2.75rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-3xl);
    font-weight: 700;
    letter-spacing: -0.02em;
    position: relative;
    padding-bottom: var(--spacing-lg);
}

.section-title::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 60px;
    height: 4px;
    background: linear-gradient(90deg, var(--primary-blue), var(--primary-blue-light));
    border-radius: var(--radius-full);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-2xl);
    margin-top: var(--spacing-2xl);
}

.service-card {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-3xl) var(--spacing-xl);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    border: 1px solid var(--border-color-light);
    position: relative;
    overflow: hidden;
    cursor: pointer;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--primary-blue), var(--primary-blue-light));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform var(--transition-base);
}

.service-card:hover::before {
    transform: scaleX(1);
}

.service-card:hover {
    transform: translateY(-12px) scale(1.02);
    box-shadow: 0 12px 32px rgba(0, 102, 204, 0.2);
    border-color: var(--primary-blue-light);
}

.service-illustration {
    display: none; /* Hide placeholder illustrations */
}

.service-card h3 {
    font-size: clamp(1.25rem, 2.5vw, 1.5rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-lg);
    font-weight: 600;
}

.service-card p {
    font-size: 1rem;
    color: var(--gray-600);
    margin-bottom: var(--spacing-xl);
    line-height: 1.7;
    flex-grow: 1;
}

/* Modern Button Styles */
.btn-compare {
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-dark));
    color: var(--white);
    padding: 18px 40px;
    min-height: 48px;
    border: none;
    border-radius: var(--radius-md);
    font-size: 0.9375rem;
    font-weight: 600;
    text-transform: uppercase;
    cursor: pointer;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    transition: all var(--transition-base);
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    letter-spacing: 0.5px;
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.3);
    position: relative;
    overflow: hidden;
}

.btn-compare::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent);
    transition: left 0.5s;
}

.btn-compare:hover::before {
    left: 100%;
}

.btn-compare:hover {
    background: linear-gradient(135deg, var(--primary-blue-dark), var(--primary-blue));
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 102, 204, 0.4);
}

.btn-compare:active {
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.3);
}

.btn-compare::after {
    content: '→';
    font-size: 1.2em;
    transition: transform var(--transition-base);
}

.btn-compare:hover::after {
    transform: translateX(4px);
}

/* How It Works Section - Modernized */
.how-it-works-section {
    padding: var(--spacing-4xl) 0;
    background-color: var(--white);
    position: relative;
}

.how-it-works-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-3xl);
    margin-top: var(--spacing-2xl);
}

.how-it-works-item {
    text-align: center;
    padding: var(--spacing-xl);
    position: relative;
    transition: transform 0.3s ease;
}

.how-it-works-item:hover {
    transform: translateY(-4px);
}

.how-it-works-number {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-dark));
    color: var(--white);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    font-weight: 700;
    margin: 0 auto var(--spacing-xl);
    font-family: 'Vollkorn', Georgia, serif;
    box-shadow: var(--shadow-lg);
    transition: transform var(--transition-base);
}

.how-it-works-item:hover .how-it-works-number {
    transform: scale(1.1) rotate(5deg);
}

.how-it-works-item h3 {
    font-size: clamp(1.25rem, 2.5vw, 1.5rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-lg);
    font-weight: 600;
}

.how-it-works-item p {
    font-size: 1rem;
    color: var(--gray-600);
    line-height: 1.7;
}

/* Reasons Section - Enhanced */
.reasons-section {
    padding: var(--spacing-4xl) 0;
    background: linear-gradient(135deg, var(--primary-blue) 0%, var(--navy-blue) 100%);
    color: var(--white);
    position: relative;
    overflow: hidden;
}

.reasons-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg width="100" height="100" xmlns="http://www.w3.org/2000/svg"><defs><pattern id="grid" width="100" height="100" patternUnits="userSpaceOnUse"><path d="M 100 0 L 0 0 0 100" fill="none" stroke="rgba(255,255,255,0.05)" stroke-width="1"/></pattern></defs><rect width="100" height="100" fill="url(%23grid)"/></svg>');
    opacity: 0.3;
}

.reasons-section .section-title {
    color: var(--white);
    position: relative;
    z-index: 1;
}

.reasons-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-xl);
    margin-top: var(--spacing-2xl);
    position: relative;
    z-index: 1;
}

.reason-card {
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-radius: var(--radius-lg);
    padding: var(--spacing-3xl);
    border: 1px solid rgba(255, 255, 255, 0.2);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    cursor: pointer;
}

.reason-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.1), rgba(255, 255, 255, 0.05));
    border-radius: var(--radius-lg);
    opacity: 0;
    transition: opacity var(--transition-base);
}

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

.reason-card:hover {
    transform: translateY(-12px) scale(1.02);
    background: rgba(255, 255, 255, 0.18);
    border-color: rgba(255, 255, 255, 0.3);
    box-shadow: 0 16px 40px rgba(0, 0, 0, 0.2);
}

.reason-icon {
    width: 60px;
    height: 60px;
    background-color: var(--white);
    color: var(--primary-blue);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    font-weight: bold;
    margin-bottom: var(--spacing-xl);
    box-shadow: var(--shadow-md);
    transition: transform var(--transition-base);
}

.reason-card:hover .reason-icon {
    transform: scale(1.1) rotate(5deg);
}

.reason-card h3 {
    font-size: clamp(1.125rem, 2vw, 1.25rem);
    color: var(--white);
    margin-bottom: var(--spacing-md);
    font-weight: 600;
}

.reason-card p {
    font-size: 0.9375rem;
    color: rgba(255, 255, 255, 0.95);
    line-height: 1.7;
}

/* About Page Styles - Modernized */
.about-hero {
    padding: var(--spacing-4xl) 0;
    text-align: center;
    background: linear-gradient(180deg, var(--white) 0%, var(--light-bg) 100%);
}

.about-hero h1 {
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-lg);
    font-weight: 700;
}

.about-hero .sub-heading {
    font-size: clamp(1.25rem, 3vw, 1.75rem);
    color: var(--gray-600);
    margin-bottom: var(--spacing-lg);
    font-weight: 500;
    text-align: center;
    display: block;
}

.about-hero p {
    font-size: clamp(1rem, 2vw, 1.125rem);
    color: var(--gray-600);
    max-width: 800px;
    margin: 0 auto var(--spacing-xl);
    line-height: 1.8;
}

.about-illustration {
    display: none; /* Hide placeholder illustration */
}

.about-cta {
    margin-top: var(--spacing-2xl);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-lg);
}

.trust-indicators {
    display: flex;
    gap: var(--spacing-xl);
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
}

.indicator {
    font-size: 0.9375rem;
    color: var(--gray-700);
    font-weight: 500;
    padding: var(--spacing-sm) var(--spacing-lg);
    background: rgba(0, 102, 204, 0.05);
    border-radius: var(--radius-full);
    border: 1px solid rgba(0, 102, 204, 0.1);
    transition: all var(--transition-base);
}

.indicator i {
    color: var(--primary-blue);
    margin-right: var(--spacing-xs);
}

.indicator:hover {
    background: rgba(0, 102, 204, 0.1);
    border-color: rgba(0, 102, 204, 0.2);
    transform: translateY(-2px);
}

.stats-section {
    padding: var(--spacing-4xl) 0;
    background-color: var(--white);
    text-align: center;
}

.stats-section h2 {
    font-size: clamp(2rem, 4vw, 2.5rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-3xl);
    font-weight: 700;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--spacing-xl);
    max-width: 1200px;
    margin: 0 auto;
}

.stat-item {
    background-color: var(--light-bg);
    padding: var(--spacing-3xl);
    border-radius: var(--radius-lg);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    border: 1px solid var(--border-color-light);
    overflow: visible;
}

.stat-item:hover {
    transform: translateY(-8px) scale(1.02);
    box-shadow: 0 8px 20px rgba(0, 102, 204, 0.15);
}

.stat-number {
    font-size: clamp(2.5rem, 5vw, 3.5rem);
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: var(--spacing-md);
    font-family: 'Vollkorn', Georgia, serif;
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    display: inline-block;
    padding: 0 4px;
}

.stat-label {
    font-size: 1rem;
    color: var(--gray-600);
    line-height: 1.6;
}

.stats-note {
    margin-top: var(--spacing-xl);
    font-size: 0.875rem;
    color: var(--gray-500);
    font-style: italic;
}

.approach-section {
    padding: var(--spacing-4xl) 0;
    background-color: var(--light-bg);
}

.approach-section h2 {
    text-align: center;
    font-size: clamp(2rem, 4vw, 2.75rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-md);
    font-weight: 700;
}

.section-subtitle {
    text-align: center;
    font-size: clamp(1rem, 2vw, 1.125rem);
    color: var(--gray-600);
    max-width: 700px;
    margin: 0 auto var(--spacing-3xl);
    line-height: 1.6;
}

.approach-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-3xl);
    margin-top: var(--spacing-2xl);
}

.approach-item {
    text-align: center;
    padding: var(--spacing-xl);
    background: var(--white);
    border-radius: var(--radius-lg);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    border: 1px solid var(--border-color-light);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.approach-item:hover {
    transform: translateY(-8px) scale(1.02);
    box-shadow: 0 8px 20px rgba(0, 102, 204, 0.15);
    border-color: var(--primary-blue-light);
}

.approach-icon {
    display: none; /* Hide placeholder icon */
}

.approach-number {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-dark));
    color: var(--white);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    font-weight: 700;
    margin: 0 auto var(--spacing-lg);
    font-family: 'Vollkorn', Georgia, serif;
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.3);
    transition: transform var(--transition-base);
}

.approach-item:hover .approach-number {
    transform: scale(1.15) rotate(5deg);
}

.approach-item h3 {
    font-size: clamp(1.25rem, 2.5vw, 1.5rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-lg);
    font-weight: 600;
}

.approach-item p {
    font-size: 1rem;
    color: var(--gray-600);
    line-height: 1.7;
}

/* Why Choose Section */
.why-choose-section {
    padding: var(--spacing-4xl) 0;
    background-color: var(--white);
}

.why-choose-section h2 {
    text-align: center;
    font-size: clamp(2rem, 4vw, 2.75rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-3xl);
    font-weight: 700;
}

.why-choose-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-xl);
    margin-top: var(--spacing-2xl);
}

.why-choose-item {
    text-align: center;
    padding: var(--spacing-xl);
    background: var(--light-bg);
    border-radius: var(--radius-lg);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    border: 1px solid var(--border-color-light);
    animation: fadeInUp 0.6s ease-out forwards;
    opacity: 0;
}

.why-choose-item:nth-child(1) {
    animation-delay: 0.1s;
}

.why-choose-item:nth-child(2) {
    animation-delay: 0.2s;
}

.why-choose-item:nth-child(3) {
    animation-delay: 0.3s;
}

.why-choose-item:nth-child(4) {
    animation-delay: 0.4s;
}

.why-choose-item:hover {
    transform: translateY(-8px);
    box-shadow: 0 8px 20px rgba(0, 102, 204, 0.15);
    background: var(--white);
    border-color: var(--primary-blue-light);
}

.why-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto var(--spacing-lg);
    background: linear-gradient(135deg, rgba(0, 102, 204, 0.1), rgba(43, 136, 217, 0.1));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-base);
}

.why-icon i {
    font-size: 2rem;
    background: linear-gradient(135deg, var(--primary-blue), var(--accent-blue));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.why-choose-item:hover .why-icon {
    background: linear-gradient(135deg, rgba(0, 102, 204, 0.15), rgba(43, 136, 217, 0.15));
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0, 102, 204, 0.15);
}

.why-choose-item h3 {
    font-size: clamp(1.125rem, 2vw, 1.25rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-md);
    font-weight: 600;
}

.why-choose-item p {
    font-size: 0.9375rem;
    color: var(--gray-600);
    line-height: 1.7;
}

.cta-section {
    padding: var(--spacing-4xl) 0;
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-dark));
    color: var(--white);
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
    border-radius: 50%;
}

.cta-section h2 {
    font-size: clamp(2rem, 4vw, 2.5rem);
    margin-bottom: var(--spacing-xl);
    font-weight: 700;
    position: relative;
    z-index: 1;
    color: var(--white);
}

.cta-section p {
    font-size: clamp(1rem, 2vw, 1.125rem);
    margin-bottom: var(--spacing-xl);
    color: rgba(255, 255, 255, 0.95);
    position: relative;
    z-index: 1;
}

.cta-section .btn-compare {
    background: var(--white);
    color: var(--primary-blue);
    margin-top: var(--spacing-lg);
    position: relative;
    z-index: 1;
}

.cta-section .btn-compare:hover {
    background: var(--light-bg);
    color: var(--primary-blue-dark);
}

.cta-buttons {
    display: flex;
    gap: var(--spacing-lg);
    justify-content: center;
    align-items: center;
    margin-top: var(--spacing-xl);
    flex-wrap: wrap;
}

.btn-cta-primary {
    background: var(--white);
    color: var(--primary-blue);
    box-shadow: 0 4px 16px rgba(255, 255, 255, 0.3);
}

.btn-cta-primary:hover {
    background: var(--light-bg);
    color: var(--primary-blue-dark);
    box-shadow: 0 6px 20px rgba(255, 255, 255, 0.4);
}

.btn-cta-secondary {
    background: transparent;
    color: var(--white);
    border: 2px solid var(--white);
    box-shadow: none;
}

.btn-cta-secondary:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--white);
    box-shadow: 0 4px 16px rgba(255, 255, 255, 0.2);
}

.cta-trust-line {
    display: flex;
    gap: var(--spacing-2xl);
    justify-content: center;
    align-items: center;
    margin-top: var(--spacing-xl);
    flex-wrap: wrap;
    font-size: 0.9375rem;
    color: rgba(255, 255, 255, 0.9);
}

.cta-trust-line span {
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-xs);
}

.cta-trust-line i {
    color: var(--yellow-accent);
    font-size: 1rem;
}

/* Service Pages Styles */
.service-hero {
    padding: var(--spacing-4xl) 0;
    background: linear-gradient(135deg, #1A5490 0%, #001F3F 100%);
    color: var(--white);
    position: relative;
    overflow: hidden;
}

.service-hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 800px;
    height: 800px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
    border-radius: 50%;
}

.service-hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-4xl);
    align-items: start;
    position: relative;
    z-index: 1;
}

.service-hero-form {
    position: relative;
    z-index: 1;
}

.breadcrumb {
    font-size: 0.875rem;
    margin-bottom: var(--spacing-lg);
    opacity: 0.9;
}

.breadcrumb a {
    color: var(--white);
    text-decoration: none;
    transition: opacity var(--transition-base);
}

.breadcrumb a:hover {
    opacity: 0.8;
}

.service-hero-text h1 {
    font-size: clamp(2.25rem, 5vw, 3rem);
    font-weight: 700;
    margin-bottom: var(--spacing-lg);
    line-height: 1.2;
    color: var(--white);
    text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);
}

.service-hero-description {
    font-size: clamp(1rem, 2vw, 1.125rem);
    line-height: 1.7;
    margin-bottom: var(--spacing-xl);
    color: var(--white);
    opacity: 1;
    text-shadow: 0 1px 2px rgba(0, 0, 0, 0.2);
}

.hero-pain-points {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-2xl);
}

.pain-point {
    font-size: 1rem;
    font-weight: 500;
    color: var(--white);
    display: flex;
    align-items: center;
}

.pain-point i {
    color: var(--yellow-accent);
    margin-right: var(--spacing-sm);
    font-size: 1.125rem;
}

.pain-point-icon {
    font-size: 1.5rem;
    margin-right: var(--spacing-sm);
    flex-shrink: 0;
}

.pain-point-text {
    color: var(--white);
    opacity: 0.95;
}

.service-hero-features {
    display: flex;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-2xl);
    flex-wrap: wrap;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--white);
}

.feature-icon {
    font-size: 1.25rem;
}

.service-cta-buttons {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

.btn-large {
    padding: 20px 48px;
    font-size: 1.125rem;
    min-height: 60px;
}

.btn-hero-cta {
    background: linear-gradient(135deg, #FF6B35 0%, #FF8C42 100%);
    color: var(--white);
    font-size: 1.125rem;
    padding: 20px 48px;
    min-height: 60px;
    box-shadow: 0 8px 24px rgba(255, 107, 53, 0.4);
    font-weight: 700;
    border: none;
    text-shadow: 0 1px 2px rgba(0, 0, 0, 0.2);
}

.btn-hero-cta:hover {
    background: linear-gradient(135deg, #FF8C42 0%, #FFA15C 100%);
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(255, 107, 53, 0.6);
    color: var(--white);
}

.cta-subtext {
    text-align: center;
    font-size: 0.875rem;
    color: var(--white);
    opacity: 0.9;
    margin: 0;
}

.quick-form-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-3xl);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
    position: sticky;
    top: 100px;
}

.quick-form-card h3 {
    color: var(--dark-gray);
    font-size: clamp(1.5rem, 3vw, 1.75rem);
    margin-bottom: var(--spacing-sm);
}

.form-subtitle {
    color: var(--gray-600);
    font-size: 0.9375rem;
    margin-bottom: var(--spacing-xl);
}

.quick-compare-form {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
}

.form-group label {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--dark-gray);
}

.form-control {
    padding: 14px 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 1rem;
    transition: all var(--transition-base);
    background: var(--white);
    color: var(--dark-gray);
}

.form-control:focus {
    outline: none;
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 3px rgba(0, 102, 204, 0.1);
}

.btn-block {
    width: 100%;
}

.form-disclaimer {
    font-size: 0.75rem;
    color: var(--gray-500);
    line-height: 1.5;
    margin: 0;
    text-align: center;
}

.trust-tags {
    display: flex;
    gap: var(--spacing-sm);
    flex-wrap: wrap;
    margin-bottom: var(--spacing-xl);
    justify-content: center;
}

.trust-tag {
    font-size: 0.75rem;
    padding: var(--spacing-xs) var(--spacing-sm);
    background: rgba(0, 102, 204, 0.08);
    border: 1px solid rgba(0, 102, 204, 0.2);
    border-radius: var(--radius-full);
    color: var(--primary-blue);
    font-weight: 600;
    white-space: nowrap;
}

.trust-tag i {
    color: var(--primary-blue);
    margin-right: 4px;
    font-size: 0.875rem;
}

.input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.input-prefix {
    position: absolute;
    left: 16px;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--gray-700);
    pointer-events: none;
}

.form-control.with-prefix {
    padding-left: 32px;
}

.btn-form-submit {
    font-size: 1.125rem;
    padding: 18px;
    font-weight: 700;
}

.form-trust-note {
    font-size: 0.75rem;
    color: var(--gray-600);
    text-align: center;
    margin: var(--spacing-md) 0 0;
    line-height: 1.5;
}

/* Form Validation Error Styles */
.error-message {
    display: block;
    color: #dc3545;
    font-size: 0.875rem;
    margin-top: var(--spacing-xs);
    min-height: 20px;
    font-weight: 500;
}

.form-control.error {
    border-color: #dc3545;
    background-color: #fff5f5;
}

.form-control.error:focus {
    border-color: #dc3545;
    box-shadow: 0 0 0 3px rgba(220, 53, 69, 0.1);
}

/* What is Business Loan Section */
.what-is-section {
    padding: var(--spacing-5xl) 0;
    background: var(--white);
}

.what-is-header {
    text-align: center;
    margin-bottom: var(--spacing-4xl);
}

.what-is-header h2 {
    font-size: clamp(2.25rem, 4vw, 3rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-lg);
    font-weight: 700;
}

.lead-text {
    font-size: clamp(1.125rem, 2vw, 1.25rem);
    color: var(--gray-600);
    max-width: 800px;
    margin: 0 auto;
    line-height: 1.7;
}

.what-is-content {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: var(--spacing-4xl);
}

.what-is-main {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-3xl);
}

.content-block h3 {
    font-size: clamp(1.5rem, 3vw, 1.875rem);
    color: var(--dark-gray);
    margin-bottom: var(--spacing-lg);
    font-weight: 700;
}

.content-block p {
    font-size: 1.0625rem;
    color: var(--gray-700);
    line-height: 1.8;
    margin-bottom: var(--spacing-md);
}

.process-list {
    padding-left: var(--spacing-xl);
    margin: var(--spacing-lg) 0;
}

.process-list li {
    font-size: 1.0625rem;
    color: var(--gray-700);
    line-height: 1.8;
    margin-bottom: var(--spacing-lg);
}

.process-list strong {
    color: var(--primary-blue);
    font-weight: 600;
}

.loan-types-detailed {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-xl);
    margin-top: var(--spacing-lg);
}

.loan-type-detail {
    background: var(--light-bg);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    border-left: 4px solid var(--primary-blue);
}

.loan-type-detail h4 {
    font-size: 1.25rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-md);
    font-weight: 600;
}

.loan-type-detail p {
    font-size: 0.9375rem;
    color: var(--gray-600);
    line-height: 1.6;
    margin-bottom: var(--spacing-sm);
}

.loan-type-detail p:last-child {
    margin-top: var(--spacing-md);
    padding-top: var(--spacing-md);
    border-top: 1px solid var(--border-color);
}

.rates-info {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-lg);
    margin: var(--spacing-xl) 0;
}

.rate-card {
    background: var(--light-bg);
    padding: var(--spacing-xl);
    border-radius: var(--radius-md);
    text-align: center;
    border: 2px solid var(--border-color-light);
    transition: all var(--transition-base);
}

.rate-card:hover {
    border-color: var(--primary-blue);
    transform: translateY(-4px);
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.1);
}

.rate-card strong {
    font-size: 1.125rem;
    color: var(--dark-gray);
    display: block;
    margin-bottom: var(--spacing-sm);
}

.rate-card p {
    font-size: 1.5rem;
    color: var(--primary-blue);
    font-weight: 700;
    margin: var(--spacing-md) 0;
}

.rate-note {
    font-size: 0.875rem;
    color: var(--gray-600);
    font-style: italic;
}

.fee-note {
    font-size: 0.9375rem;
    color: var(--gray-700);
    padding: var(--spacing-lg);
    background: var(--light-bg-alt);
    border-radius: var(--radius-md);
    border-left: 4px solid var(--yellow-accent);
}

.what-is-sidebar {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xl);
    position: sticky;
    top: 100px;
    align-self: start;
}

.key-takeaways,
.quick-stats,
.cta-box {
    background: var(--light-bg);
    padding: var(--spacing-xl);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-color-light);
}

.key-takeaways h4,
.quick-stats h4,
.cta-box h4 {
    font-size: 1.125rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-lg);
    font-weight: 600;
}

.key-takeaways ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.key-takeaways li {
    font-size: 0.9375rem;
    color: var(--gray-700);
    line-height: 1.7;
    margin-bottom: var(--spacing-md);
    padding-left: var(--spacing-lg);
    position: relative;
}

.key-takeaways li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--primary-blue);
    font-weight: bold;
}

.stat-item-small {
    margin-bottom: var(--spacing-lg);
    padding-bottom: var(--spacing-lg);
    border-bottom: 1px solid var(--border-color);
}

.stat-item-small:last-child {
    margin-bottom: 0;
    padding-bottom: 0;
    border-bottom: none;
}

.stat-value {
    display: block;
    font-size: 2rem;
    font-weight: 700;
    color: var(--primary-blue);
    font-family: 'Vollkorn', Georgia, serif;
    margin-bottom: var(--spacing-xs);
}

.stat-label {
    display: block;
    font-size: 0.875rem;
    color: var(--gray-600);
    line-height: 1.5;
}

.cta-box {
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-dark));
    color: var(--white);
    text-align: center;
}

.cta-box h4 {
    color: var(--white);
}

.cta-box p {
    color: rgba(255, 255, 255, 0.95);
    font-size: 0.9375rem;
    margin-bottom: var(--spacing-lg);
}

.cta-box .btn-compare {
    background: var(--white);
    color: var(--primary-blue);
}

.cta-box .btn-compare:hover {
    background: var(--light-bg);
}

/* Loan Types Section */
.loan-types-section {
    padding: var(--spacing-4xl) 0;
    background: var(--light-bg);
}

.loan-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-xl);
    margin-top: var(--spacing-2xl);
}

.loan-types-four-col {
    grid-template-columns: repeat(4, 1fr);
}

.loan-type-card {
    background: var(--light-bg);
    border-radius: var(--radius-lg);
    padding: var(--spacing-2xl);
    border: 2px solid var(--border-color-light);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    animation: fadeInUp 0.6s ease-out forwards;
    opacity: 0;
}

.loan-type-card:nth-child(1) { animation-delay: 0.1s; }
.loan-type-card:nth-child(2) { animation-delay: 0.2s; }
.loan-type-card:nth-child(3) { animation-delay: 0.3s; }
.loan-type-card:nth-child(4) { animation-delay: 0.4s; }

.loan-type-card:hover {
    transform: translateY(-8px);
    border-color: var(--primary-blue);
    box-shadow: 0 8px 24px rgba(0, 102, 204, 0.15);
    background: var(--white);
}

.loan-type-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto var(--spacing-lg);
    background: linear-gradient(135deg, rgba(0, 102, 204, 0.1), rgba(43, 136, 217, 0.1));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-base);
}

.loan-type-icon i {
    font-size: 2rem;
    background: linear-gradient(135deg, var(--primary-blue), var(--accent-blue));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.loan-type-card:hover .loan-type-icon {
    background: linear-gradient(135deg, rgba(0, 102, 204, 0.15), rgba(43, 136, 217, 0.15));
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0, 102, 204, 0.15);
}

.loan-type-card h3 {
    font-size: 1.25rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-md);
    font-weight: 600;
}

.loan-type-card > p {
    font-size: 0.9375rem;
    color: var(--gray-600);
    line-height: 1.6;
    margin-bottom: var(--spacing-lg);
}

.pain-point-text {
    font-size: 1rem;
    color: var(--primary-blue);
    font-weight: 600;
    margin-bottom: var(--spacing-lg);
}

.pain-point-text strong {
    color: var(--dark-gray);
}

.loan-features {
    list-style: none;
    padding: 0;
    margin: 0;
}

.loan-features li {
    font-size: 0.875rem;
    color: var(--gray-700);
    padding: var(--spacing-sm) 0;
    padding-left: var(--spacing-lg);
    position: relative;
}

.loan-features li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--primary-blue);
    font-weight: bold;
    font-size: 1rem;
}

.loan-features li i {
    color: var(--primary-blue);
    margin-right: var(--spacing-xs);
    font-size: 0.875rem;
}

/* Service Benefits Section */
.service-benefits-section {
    padding: var(--spacing-4xl) 0;
    background: var(--light-bg);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: var(--spacing-xl);
    margin-top: var(--spacing-2xl);
}

.benefit-item {
    background: var(--white);
    padding: var(--spacing-2xl);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-color-light);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    animation: fadeInUp 0.6s ease-out forwards;
    opacity: 0;
}

.benefit-item:nth-child(1) { animation-delay: 0.1s; }
.benefit-item:nth-child(2) { animation-delay: 0.2s; }
.benefit-item:nth-child(3) { animation-delay: 0.3s; }
.benefit-item:nth-child(4) { animation-delay: 0.4s; }
.benefit-item:nth-child(5) { animation-delay: 0.5s; }
.benefit-item:nth-child(6) { animation-delay: 0.6s; }

.benefit-item:hover {
    transform: translateY(-8px);
    box-shadow: 0 8px 24px rgba(0, 102, 204, 0.15);
    border-color: var(--primary-blue-light);
}

.benefit-icon {
    font-size: 2.5rem;
    margin-bottom: var(--spacing-lg);
    display: block;
}

.benefit-item h3 {
    font-size: 1.125rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-md);
    font-weight: 600;
}

.benefit-item p {
    font-size: 0.9375rem;
    color: var(--gray-600);
    line-height: 1.6;
    margin: 0;
}

/* Service How It Works */
.service-how-it-works {
    padding: var(--spacing-4xl) 0;
    background: var(--white);
}

.steps-container {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-2xl);
    margin-top: var(--spacing-3xl);
}

.step-card {
    background: var(--light-bg);
    border-radius: var(--radius-lg);
    padding: var(--spacing-3xl);
    border: 2px solid var(--border-color-light);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    display: flex;
    gap: var(--spacing-xl);
}

.step-card:hover {
    transform: translateY(-6px);
    border-color: var(--primary-blue);
    box-shadow: 0 8px 24px rgba(0, 102, 204, 0.15);
    background: var(--white);
}

.step-badge {
    flex-shrink: 0;
    text-align: center;
}

.step-number {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-dark));
    color: var(--white);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    font-weight: 700;
    margin-bottom: var(--spacing-sm);
    font-family: 'Vollkorn', Georgia, serif;
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.3);
}

.step-time {
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--primary-blue);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.step-content h3 {
    font-size: 1.25rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-md);
    font-weight: 600;
}

.step-content p {
    font-size: 0.9375rem;
    color: var(--gray-600);
    line-height: 1.7;
    margin-bottom: var(--spacing-md);
}

.step-features {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xs);
}

.step-features span {
    font-size: 0.875rem;
    color: var(--primary-blue);
    font-weight: 500;
}

.step-features i {
    color: var(--primary-blue);
    margin-right: var(--spacing-xs);
    font-size: 0.875rem;
}

.step-arrow {
    display: none;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(7, 1fr);
    gap: var(--spacing-lg);
    margin-top: var(--spacing-3xl);
    align-items: center;
}

.step-item {
    text-align: center;
    padding: var(--spacing-xl);
    background: var(--light-bg);
    border-radius: var(--radius-lg);
    border: 2px solid var(--border-color-light);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    grid-column: span 1.5;
}

.step-item:hover {
    transform: translateY(-4px);
    border-color: var(--primary-blue);
    box-shadow: 0 4px 16px rgba(0, 102, 204, 0.15);
}

.step-item h3 {
    font-size: 1.125rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-sm);
    font-weight: 600;
}

.step-item p {
    font-size: 0.875rem;
    color: var(--gray-600);
    line-height: 1.6;
    margin: 0;
}

/* Qualification Section - Compact */
.qualification-section {
    padding: var(--spacing-4xl) 0;
    background: var(--light-bg);
}

.qualification-compact {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-3xl);
    margin-top: var(--spacing-2xl);
}

.qual-column {
    background: var(--white);
    padding: var(--spacing-3xl);
    border-radius: var(--radius-lg);
    border: 2px solid var(--border-color-light);
    transition: all var(--transition-base);
}

.qual-column:hover {
    border-color: var(--primary-blue);
    box-shadow: 0 4px 16px rgba(0, 102, 204, 0.1);
}

.qual-header {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-lg);
}

.qual-icon-small {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-blue-dark));
    color: var(--white);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: bold;
    flex-shrink: 0;
}

.qual-column h3 {
    font-size: 1.25rem;
    color: var(--dark-gray);
    margin: 0;
    font-weight: 600;
}

.qual-column > p {
    font-size: 1rem;
    color: var(--gray-600);
    margin-bottom: var(--spacing-lg);
    line-height: 1.7;
}

.qual-checklist,
.requirements-simple {
    list-style: none;
    padding: 0;
    margin: var(--spacing-lg) 0;
}

.qual-checklist li,
.requirements-simple li {
    font-size: 0.9375rem;
    color: var(--gray-700);
    line-height: 1.7;
    margin-bottom: var(--spacing-md);
    padding-left: var(--spacing-lg);
    position: relative;
}

.qual-checklist li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--primary-blue);
    font-weight: bold;
    font-size: 1.125rem;
}

.requirements-simple li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: var(--primary-blue);
    font-weight: bold;
}

.qual-note {
    font-size: 1rem;
    color: var(--primary-blue);
    padding: var(--spacing-lg);
    background: rgba(0, 102, 204, 0.05);
    border-radius: var(--radius-md);
    border-left: 4px solid var(--primary-blue);
    margin-top: var(--spacing-lg);
}

.apply-cta-small {
    margin-top: var(--spacing-xl);
    padding-top: var(--spacing-xl);
    border-top: 1px solid var(--border-color);
}

.small-disclaimer {
    font-size: 0.75rem;
    color: var(--gray-600);
    text-align: center;
    margin-top: var(--spacing-sm);
}

/* Requirements Section */
.requirements-section {
    padding: var(--spacing-4xl) 0;
    background: var(--light-bg);
}

.qualification-hero {
    background: linear-gradient(135deg, var(--primary-blue), var(--navy-blue));
    border-radius: var(--radius-xl);
    padding: var(--spacing-4xl);
    margin: var(--spacing-3xl) 0;
    text-align: center;
    color: var(--white);
}

.qual-badge {
    max-width: 800px;
    margin: 0 auto;
}

.qual-icon {
    width: 80px;
    height: 80px;
    background: var(--white);
    color: var(--primary-blue);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.5rem;
    font-weight: bold;
    margin: 0 auto var(--spacing-xl);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
}

.qual-badge h3 {
    font-size: clamp(1.5rem, 3vw, 2rem);
    color: var(--white);
    margin-bottom: var(--spacing-lg);
    font-weight: 700;
}

.qual-badge > p {
    font-size: 1.125rem;
    margin-bottom: var(--spacing-lg);
    opacity: 0.95;
}

.qual-list {
    list-style: none;
    padding: 0;
    margin: var(--spacing-xl) 0;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-md);
    text-align: left;
}

.qual-list li {
    font-size: 1rem;
    padding: var(--spacing-sm) var(--spacing-lg);
    background: rgba(255, 255, 255, 0.15);
    border-radius: var(--radius-md);
    font-weight: 500;
}

.qual-cta {
    font-size: 1.25rem;
    margin-top: var(--spacing-xl);
    padding: var(--spacing-lg);
    background: rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-md);
    border: 2px solid rgba(255, 255, 255, 0.3);
}

.requirements-content {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: var(--spacing-3xl);
    margin-top: var(--spacing-2xl);
}

.requirements-modern {
    background: var(--white);
    padding: var(--spacing-3xl);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-color-light);
}

.requirements-modern h3 {
    font-size: 1.5rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-md);
    font-weight: 700;
}

.requirements-intro {
    font-size: 1rem;
    color: var(--gray-600);
    margin-bottom: var(--spacing-2xl);
    line-height: 1.7;
}

.requirement-card {
    display: flex;
    gap: var(--spacing-lg);
    padding: var(--spacing-lg);
    margin-bottom: var(--spacing-md);
    background: var(--light-bg);
    border-radius: var(--radius-md);
    border-left: 4px solid var(--primary-blue);
    transition: all var(--transition-base);
}

.requirement-card:hover {
    transform: translateX(4px);
    box-shadow: 0 4px 12px rgba(0, 102, 204, 0.1);
}

.req-icon {
    font-size: 2rem;
    flex-shrink: 0;
}

.req-content h4 {
    font-size: 1.125rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-sm);
    font-weight: 600;
}

.req-ideal {
    font-size: 0.875rem;
    color: var(--gray-600);
    margin-bottom: var(--spacing-xs);
    font-weight: 500;
}

.req-reality {
    font-size: 0.875rem;
    color: var(--primary-blue);
    font-weight: 600;
    margin: 0;
}

.apply-anyway-card {
    background: linear-gradient(135deg, var(--accent-blue-light), var(--primary-blue));
    padding: var(--spacing-3xl);
    border-radius: var(--radius-lg);
    color: var(--white);
    position: sticky;
    top: 120px;
}

.apply-icon {
    width: 60px;
    height: 60px;
    background: var(--white);
    color: var(--primary-blue);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    margin-bottom: var(--spacing-lg);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
}

.apply-anyway-card h3 {
    font-size: 1.5rem;
    color: var(--white);
    margin-bottom: var(--spacing-lg);
    font-weight: 700;
}

.apply-anyway-card > p {
    font-size: 1rem;
    margin-bottom: var(--spacing-lg);
    opacity: 0.95;
}

.apply-reasons {
    list-style: none;
    padding: 0;
    margin: var(--spacing-xl) 0;
}

.apply-reasons li {
    font-size: 0.9375rem;
    margin-bottom: var(--spacing-md);
    padding-left: var(--spacing-lg);
    position: relative;
    line-height: 1.7;
}

.apply-reasons li::before {
    content: '✓';
    position: absolute;
    left: 0;
    font-weight: bold;
    font-size: 1.125rem;
}

.apply-anyway-card .btn-compare {
    width: 100%;
    margin: var(--spacing-xl) 0 var(--spacing-lg);
    background: var(--white);
    color: var(--primary-blue);
}

.apply-anyway-card .btn-compare:hover {
    background: var(--light-bg);
}

.disclaimer-text {
    font-size: 0.875rem;
    opacity: 0.9;
    text-align: center;
    margin: 0;
    font-style: italic;
}

.requirements-list,
.requirements-tips {
    background: var(--white);
    padding: var(--spacing-3xl);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-color-light);
}

.requirements-list h3,
.requirements-tips h3 {
    font-size: 1.25rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-xl);
    font-weight: 600;
}

.checklist {
    list-style: none;
    padding: 0;
    margin: 0;
}

.checklist li {
    font-size: 0.9375rem;
    color: var(--gray-700);
    padding: var(--spacing-md) 0;
    padding-left: var(--spacing-2xl);
    position: relative;
    line-height: 1.6;
}

.checklist li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--primary-blue);
    font-weight: bold;
    font-size: 1.25rem;
}

.tip-card {
    background: var(--light-bg);
    padding: var(--spacing-lg);
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-md);
    border-left: 4px solid var(--primary-blue);
}

.tip-card:last-child {
    margin-bottom: 0;
}

.tip-card strong {
    display: block;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-sm);
    font-size: 0.9375rem;
}

.tip-card p {
    font-size: 0.875rem;
    color: var(--gray-600);
    line-height: 1.6;
    margin: 0;
}

/* FAQ Section */
.faq-section {
    padding: var(--spacing-4xl) 0;
    background: var(--white);
}

.faq-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-2xl);
    margin-top: var(--spacing-2xl);
}

.faq-item {
    background: var(--light-bg);
    padding: var(--spacing-2xl);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-color-light);
    transition: all var(--transition-base);
}

.faq-item:hover {
    border-color: var(--primary-blue-light);
    box-shadow: 0 4px 16px rgba(0, 102, 204, 0.1);
}

.faq-question {
    font-size: 1.125rem;
    color: var(--dark-gray);
    margin-bottom: var(--spacing-md);
    font-weight: 600;
}

.faq-answer {
    font-size: 0.9375rem;
    color: var(--gray-600);
    line-height: 1.7;
    margin: 0;
}

/* Footer Styles - Professional */
.main-footer {
    background: var(--dark-gray);
    color: var(--white);
    margin-top: var(--spacing-5xl);
    position: relative;
}

.footer-main {
    padding: var(--spacing-5xl) 0 var(--spacing-4xl);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: var(--spacing-4xl);
}

.footer-brand {
    max-width: 400px;
}

.footer-logo {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--primary-blue-light);
    margin-bottom: var(--spacing-md);
    font-family: 'Vollkorn', Georgia, serif;
    letter-spacing: -0.02em;
}

.footer-tagline {
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.9375rem;
    line-height: 1.7;
    margin-bottom: var(--spacing-xl);
}

.footer-trust-badges {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
}

.footer-badge {
    font-size: 0.8125rem;
    color: rgba(255, 255, 255, 0.9);
    padding: var(--spacing-xs) 0;
    font-weight: 500;
}

.footer-badge i {
    margin-right: var(--spacing-xs);
    color: var(--yellow-accent);
    font-size: 0.9rem;
}

.footer-section h4 {
    margin-bottom: var(--spacing-lg);
    color: var(--white);
    font-size: 1rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.footer-section ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-section ul li {
    margin-bottom: var(--spacing-md);
}

.footer-section a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: all var(--transition-base);
    font-size: 0.9375rem;
    display: inline-block;
    position: relative;
}

.footer-section a::before {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--primary-blue-light);
    transition: width var(--transition-base);
}

.footer-section a:hover {
    color: var(--primary-blue-light);
    transform: translateX(4px);
}

.footer-section a:hover::before {
    width: 100%;
}

.footer-bottom {
    background: rgba(0, 0, 0, 0.2);
    padding: var(--spacing-xl) 0;
}

.footer-bottom-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: var(--spacing-xl);
}

.footer-copyright {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.875rem;
    margin: 0;
    white-space: nowrap;
}

.footer-disclaimer {
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.75rem;
    line-height: 1.6;
    margin: 0;
    max-width: 800px;
    text-align: right;
}

/* Responsive Design - Enhanced */
@media (max-width: 1024px) {
    .services-grid,
    .how-it-works-grid,
    .reasons-grid,
    .approach-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--spacing-xl);
    }
    
    .why-choose-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--spacing-lg);
    }
    
    .hero-text-wrapper {
        flex-direction: column;
    }
    
    .service-card,
    .reason-card {
        padding: var(--spacing-xl);
    }
    
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .loan-types-four-col {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .main-nav {
        display: none;
    }
    
    .mobile-menu-toggle {
        display: block;
    }
    
    .main-nav.active {
        display: block;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--white);
        box-shadow: var(--shadow-lg);
        padding: var(--spacing-xl);
        animation: fadeIn 0.3s ease;
    }
    
    .main-nav.active ul {
        flex-direction: column;
        gap: var(--spacing-md);
        align-items: flex-start;
    }
    
    .main-nav a {
        display: block;
        width: 100%;
        padding: var(--spacing-md) 0;
    }
    
    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        padding: 0 0 0 var(--spacing-lg);
        min-width: auto;
        background: transparent;
        margin-top: var(--spacing-sm);
    }
    
    .dropdown-menu a {
        padding: var(--spacing-sm) 0;
        font-size: 0.875rem;
    }
    
    .dropdown-menu a:hover {
        padding-left: var(--spacing-sm);
        background: transparent;
    }
    
    .hero-text h1,
    .rotating-text {
        font-size: 2.5rem;
    }
    
    .cursor {
        height: 2.5rem;
    }
    
    .services-grid,
    .how-it-works-grid,
    .reasons-grid,
    .approach-grid,
    .stats-grid {
        grid-template-columns: 1fr;
        gap: var(--spacing-lg);
    }
    
    .why-choose-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--spacing-md);
    }
    
    .footer-content {
        grid-template-columns: 1fr;
        gap: var(--spacing-3xl);
    }
    
    .footer-brand {
        max-width: 100%;
    }
    
    .footer-bottom-content {
        flex-direction: column;
        align-items: flex-start;
        gap: var(--spacing-lg);
    }
    
    .footer-disclaimer {
        text-align: left;
    }
    
    .container {
        padding: 0 var(--spacing-lg);
    }
    
    .hero-section,
    .services-section,
    .how-it-works-section,
    .reasons-section,
    .about-hero,
    .stats-section,
    .approach-section,
    .cta-section {
        padding: var(--spacing-3xl) 0;
    }
    
    .btn-primary {
        padding: 16px 32px;
        min-height: 48px;
        font-size: 1rem;
    }
    
    .trust-badges {
        flex-direction: column;
        gap: var(--spacing-md);
    }
    
    .service-card:hover,
    .reason-card:hover {
        transform: translateY(-6px) scale(1.01);
    }
    
    .trust-indicators {
        flex-direction: column;
        gap: var(--spacing-md);
    }
    
    .cta-buttons {
        flex-direction: column;
        width: 100%;
    }
    
    .cta-buttons .btn-compare {
        width: 100%;
        max-width: 300px;
    }
    
    .cta-trust-line {
        flex-direction: column;
        gap: var(--spacing-md);
    }
}

@media (max-width: 480px) {
    .hero-text h1,
    .rotating-text {
        font-size: 2rem;
    }
    
    .cursor {
        height: 2rem;
    }
    
    .section-title {
        font-size: 1.75rem;
        padding-bottom: var(--spacing-md);
    }
    
    .section-title::after {
        width: 40px;
        height: 3px;
    }
    
    .btn-compare {
        padding: 14px 24px;
        font-size: 0.875rem;
        min-height: 44px;
    }
    
    .btn-primary {
        padding: 14px 28px;
        font-size: 0.9375rem;
    }
    
    .container {
        padding: 0 var(--spacing-md);
    }
    
    .service-card,
    .reason-card,
    .how-it-works-item,
    .approach-item,
    .why-choose-item {
        padding: var(--spacing-lg);
    }
    
    .indicator {
        font-size: 0.875rem;
        padding: var(--spacing-xs) var(--spacing-md);
    }
    
    .why-choose-grid {
        grid-template-columns: 1fr;
    }
    
    /* Service Page Responsive */
    .service-hero-content {
        grid-template-columns: 1fr;
        gap: var(--spacing-2xl);
    }
    
    .quick-form-card {
        position: static;
    }
    
    .steps-grid {
        grid-template-columns: 1fr;
    }
    
    .steps-container {
        grid-template-columns: 1fr;
        gap: var(--spacing-xl);
    }
    
    .step-card {
        flex-direction: column;
        text-align: center;
    }
    
    .step-arrow {
        display: none;
    }
    
    .step-item {
        grid-column: span 1;
    }
    
    .requirements-content {
        grid-template-columns: 1fr;
        gap: var(--spacing-xl);
    }
    
    .apply-anyway-card {
        position: static;
    }
    
    .qual-list {
        grid-template-columns: 1fr;
    }
    
    .faq-grid {
        grid-template-columns: 1fr;
        gap: var(--spacing-lg);
    }
    
    .loan-types-grid,
    .benefits-grid {
        grid-template-columns: 1fr;
        gap: var(--spacing-lg);
    }
    
    .loan-types-four-col {
        grid-template-columns: 1fr;
    }
    
    .what-is-content {
        grid-template-columns: 1fr;
        gap: var(--spacing-2xl);
    }
    
    .what-is-sidebar {
        position: static;
    }
    
    .loan-types-detailed {
        grid-template-columns: 1fr;
    }
    
    .rates-info {
        grid-template-columns: 1fr;
    }
    
    .qualification-compact {
        grid-template-columns: 1fr;
        gap: var(--spacing-xl);
    }
}