/* ========================================
   Variables CSS
   ======================================== */
:root {
  /* Colors */
  --color-primary: #10B981;
  --color-primary-dark: #059669;
  --color-primary-light: #34D399;
  --color-secondary: #0F172A;
  --color-dark: #1E293B;
  --color-text: #334155;
  --color-text-light: #64748B;
  --color-bg: #FFFFFF;
  --color-bg-secondary: #F8FAFC;
  --color-border: #E2E8F0;
  --color-success: #10B981;
  --color-error: #EF4444;
  --color-warning: #F59E0B;

  /* Typography */
  --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Transitions */
  --transition: all 0.3s ease;

  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);

  /* Border Radius */
  --border-radius: 12px;
  --border-radius-sm: 8px;
  --border-radius-lg: 16px;

  /* Spacing */
  --spacing-xs: 8px;
  --spacing-sm: 16px;
  --spacing-md: 24px;
  --spacing-lg: 32px;
  --spacing-xl: 48px;
  --spacing-2xl: 64px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-family);
  color: var(--color-text);
  background-color: var(--color-bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

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

/* ========================================
   Layout & Container
   ======================================== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.section {
  padding: 80px 0;
}

.section-bg {
  background-color: var(--color-bg-secondary);
}

.section-header {
  text-align: center;
  margin-bottom: 60px;
}

.section-title {
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 16px;
  line-height: 1.2;
}

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

/* ========================================
   Components - Loader
   ======================================== */
.loader {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: var(--color-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10000;
  transition: opacity 0.3s, visibility 0.3s;
}

.loader.hidden {
  opacity: 0;
  visibility: hidden;
}

.loader-spinner {
  width: 50px;
  height: 50px;
  border: 4px solid var(--color-border);
  border-top-color: var(--color-primary);
  border-radius: 50%;
  animation: spin 1s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

/* ========================================
   Components - Header & Navigation
   ======================================== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(12px);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  z-index: 1000;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.header.scrolled {
  background: rgba(255, 255, 255, 1);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  transition: var(--transition);
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--color-secondary);
  letter-spacing: -0.02em;
  transition: opacity 0.3s ease;
}

.nav-logo:hover {
  opacity: 0.85;
}

.logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--color-primary-light) 0%, var(--color-primary) 100%);
  border-radius: 10px;
  box-shadow: 0 4px 12px rgba(16, 185, 129, 0.2);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.logo-icon:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(16, 185, 129, 0.3);
}

.logo-icon i {
  color: white;
  font-size: 1.25rem;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 48px;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: 40px;
  list-style: none;
}

.nav-link {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-text);
  position: relative;
  padding: 8px 4px;
  transition: all 0.3s ease;
}

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

.nav-link.active {
  color: var(--color-primary);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--color-primary-light), var(--color-primary));
  border-radius: 3px 3px 0 0;
  transition: width 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
}

.nav-toggle span {
  width: 25px;
  height: 3px;
  background: var(--color-secondary);
  border-radius: 3px;
  transition: var(--transition);
}

.nav-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(8px, 8px);
}

.nav-toggle.active span:nth-child(2) {
  opacity: 0;
}

.nav-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(7px, -7px);
}

/* ========================================
   Components - Buttons
   ======================================== */
.btn {
  display: inline-block;
  padding: 12px 32px;
  font-weight: 600;
  font-size: 1rem;
  border-radius: var(--border-radius-sm);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  font-family: inherit;
}

.btn-primary {
  background: var(--color-primary);
  color: white;
  box-shadow: 0 4px 12px rgba(16, 185, 129, 0.3);
}

.btn-primary:hover {
  background: var(--color-primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(16, 185, 129, 0.4);
}

.btn-secondary {
  background: white;
  color: var(--color-secondary);
  border: 2px solid var(--color-border);
}

.btn-secondary:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-lg {
  padding: 16px 40px;
  font-size: 1.125rem;
}

.btn-block {
  width: 100%;
  display: block;
}

.btn-nav {
  padding: 10px 24px;
  font-size: 0.9375rem;
}

/* ========================================
   Sections - Hero
   ======================================== */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-dark) 100%);
  color: white;
  padding: 180px 0 120px;
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.hero::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(255,255,255,0.03)" stroke-width="1"/></pattern></defs><rect width="100" height="100" fill="url(%23grid)"/></svg>');
  opacity: 0.4;
}

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

.hero-title {
  font-size: 3.5rem;
  font-weight: 800;
  margin-bottom: 24px;
  line-height: 1.1;
}

.hero-subtitle {
  font-size: 1.25rem;
  line-height: 1.8;
  margin-bottom: 40px;
  color: rgba(255, 255, 255, 0.9);
}

.hero-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  font-size: 0.9375rem;
  color: rgba(255, 255, 255, 0.8);
}

.hero-trust i {
  color: var(--color-primary);
  margin-right: 6px;
}

.hero-image {
  position: relative;
  z-index: 2;
}

.hero-image img {
  width: 100%;
  height: auto;
  border-radius: var(--border-radius);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
}

/* ========================================
   Sections - Stats
   ======================================== */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 32px;
}

.stat-card {
  text-align: center;
  padding: 32px;
  background: white;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-md);
  transition: var(--transition);
}

.stat-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
}

.stat-icon {
  font-size: 3rem;
  margin-bottom: 16px;
}

.stat-number {
  font-size: 3rem;
  font-weight: 800;
  color: var(--color-primary);
  display: inline-block;
}

.stat-suffix {
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-primary);
  display: inline-block;
}

.stat-label {
  font-size: 1rem;
  color: var(--color-text-light);
  margin-top: 8px;
}

/* ========================================
   Sections - Calculator
   ======================================== */
.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  max-width: 1000px;
  margin: 0 auto;
}

.calculator-inputs {
  display: flex;
  flex-direction: column;
  gap: 32px;
}

.input-group {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.input-group label {
  font-weight: 600;
  color: var(--color-secondary);
}

.input-group input[type="range"] {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--color-border);
  outline: none;
  appearance: none;
}

.input-group input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-primary);
  cursor: pointer;
  box-shadow: var(--shadow-md);
}

.input-group input[type="range"]::-moz-range-thumb {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--color-primary);
  cursor: pointer;
  border: none;
  box-shadow: var(--shadow-md);
}

.range-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-top: 8px;
}

.calculator-result {
  display: flex;
  align-items: center;
}

.result-card {
  width: 100%;
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
  color: white;
  padding: 40px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-xl);
}

.result-label {
  font-size: 1rem;
  opacity: 0.9;
  margin-bottom: 8px;
}

.result-value {
  font-size: 3rem;
  font-weight: 800;
  margin-bottom: 24px;
}

.result-details {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 20px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  border-bottom: 1px solid rgba(255, 255, 255, 0.2);
  margin-bottom: 24px;
}

.detail-item {
  display: flex;
  justify-content: space-between;
  font-size: 0.9375rem;
}

/* ========================================
   Sections - Advantages
   ======================================== */
.advantages-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 32px;
}

.advantage-card {
  background: white;
  padding: 40px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-md);
  transition: var(--transition);
  text-align: center;
}

.advantage-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
}

.advantage-icon {
  font-size: 3.5rem;
  margin-bottom: 20px;
}

.advantage-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 12px;
}

.advantage-text {
  color: var(--color-text-light);
  line-height: 1.7;
}

/* ========================================
   Sections - Testimonials
   ======================================== */
.testimonials-slider {
  position: relative;
  max-width: 900px;
  margin: 0 auto;
  overflow: hidden;
}

.testimonials-track {
  display: flex;
  transition: transform 0.5s ease;
}

.testimonial-card {
  min-width: 100%;
  background: white;
  padding: 48px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-lg);
}

.testimonial-rating {
  font-size: 1.25rem;
  margin-bottom: 24px;
  color: #FFB800;
}

.testimonial-rating i {
  margin-right: 4px;
}

.testimonial-text {
  font-size: 1.125rem;
  line-height: 1.8;
  color: var(--color-text);
  margin-bottom: 32px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 16px;
}

.author-avatar {
  width: 56px;
  height: 56px;
  background: var(--color-primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
}

.author-avatar-img {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  object-fit: cover;
}

.author-name {
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 4px;
}

.author-title {
  font-size: 0.875rem;
  color: var(--color-text-light);
}

.slider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 32px;
}

.slider-btn {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: white;
  border: 2px solid var(--color-border);
  color: var(--color-secondary);
  font-size: 1.5rem;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}

.slider-btn:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
  transform: scale(1.1);
}

.slider-dots {
  display: flex;
  gap: 8px;
}

.slider-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--color-border);
  cursor: pointer;
  transition: var(--transition);
}

.slider-dot.active {
  background: var(--color-primary);
  width: 32px;
  border-radius: 6px;
}

/* ========================================
   Sections - FAQ
   ======================================== */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: white;
  border-radius: var(--border-radius-sm);
  margin-bottom: 16px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.faq-item:hover {
  box-shadow: var(--shadow-md);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 24px;
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--color-secondary);
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: var(--transition);
}

.faq-question:hover {
  color: var(--color-primary);
}

.faq-icon {
  font-size: 1.5rem;
  font-weight: 400;
  transition: var(--transition);
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
  color: var(--color-primary);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
  max-height: 500px;
}

.faq-answer p {
  padding: 0 24px 24px;
  color: var(--color-text-light);
  line-height: 1.7;
}

/* ========================================
   Sections - CTA
   ======================================== */
.cta {
  background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-dark) 100%);
  color: white;
  position: relative;
  overflow: hidden;
}

.cta::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(255,255,255,0.03)" stroke-width="1"/></pattern></defs><rect width="100" height="100" fill="url(%23grid)"/></svg>');
  opacity: 0.4;
}

.cta-content {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
}

.cta-title {
  font-size: 2.5rem;
  font-weight: 800;
  margin-bottom: 16px;
}

.cta-subtitle {
  font-size: 1.125rem;
  margin-bottom: 32px;
  opacity: 0.9;
}

/* ========================================
   Sections - Footer
   ======================================== */
.footer {
  background: var(--color-secondary);
  color: white;
  padding: 60px 0 20px;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 48px;
  margin-bottom: 48px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.footer-desc {
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.7;
  margin-bottom: 24px;
}

.footer-social {
  display: flex;
  gap: 12px;
}

.social-link {
  width: 40px;
  height: 40px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}

.social-link:hover {
  background: var(--color-primary);
  transform: translateY(-4px);
}

.footer-title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 20px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.7);
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--color-primary);
  padding-left: 8px;
}

.footer-contact {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  color: rgba(255, 255, 255, 0.7);
}

.footer-contact a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  transition: var(--transition);
}

.footer-contact a:hover {
  color: var(--color-primary);
}

.footer-bottom {
  text-align: center;
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.6);
}

.footer-bottom p {
  margin-bottom: 8px;
}

.footer-disclaimer {
  font-size: 0.875rem;
  font-style: italic;
}

/* ========================================
   Animations
   ======================================== */
.animate-fade-in {
  animation: fadeIn 0.8s ease;
}

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s, transform 0.6s;
}

.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ========================================
   Pages - Contact & Forms
   ======================================== */
.page-header {
  background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-dark) 100%);
  color: white;
  padding: 140px 0 80px;
  text-align: center;
}

.page-title {
  font-size: 3rem;
  font-weight: 800;
  margin-bottom: 16px;
}

.page-subtitle {
  font-size: 1.125rem;
  opacity: 0.9;
}

.contact-section {
  padding: 80px 0;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
}

.contact-info-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 16px;
}

.contact-info-text {
  color: var(--color-text-light);
  line-height: 1.7;
  margin-bottom: 32px;
}

.contact-methods {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.contact-method {
  display: flex;
  gap: 16px;
}

.method-icon {
  width: 56px;
  height: 56px;
  background: var(--color-primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}

.method-title {
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 4px;
}

.method-text {
  color: var(--color-text);
  margin-bottom: 4px;
}

.method-text a {
  color: var(--color-text);
  text-decoration: none;
  transition: var(--transition);
  border-bottom: 1px solid transparent;
}

.method-text a:hover {
  color: var(--color-primary);
  border-bottom-color: var(--color-primary);
}

.method-subtitle {
  font-size: 0.875rem;
  color: var(--color-text-light);
}

.contact-form-wrapper {
  background: white;
  padding: 40px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-lg);
}

.form-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 32px;
}

.form-group {
  margin-bottom: 24px;
}

.form-group label {
  display: block;
  font-weight: 600;
  color: var(--color-secondary);
  margin-bottom: 8px;
}

.required {
  color: var(--color-error);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--color-border);
  border-radius: var(--border-radius-sm);
  font-size: 1rem;
  font-family: inherit;
  transition: var(--transition);
  background: white;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 4px rgba(16, 185, 129, 0.1);
}

.form-group.has-error input,
.form-group.has-error select,
.form-group.has-error textarea {
  border-color: var(--color-error);
}

.error-message {
  color: var(--color-error);
  font-size: 0.875rem;
  margin-top: 6px;
  display: none;
}

.form-group.has-error .error-message {
  display: block;
}

.contact-success {
  text-align: center;
  padding: 48px;
}

.success-icon {
  width: 80px;
  height: 80px;
  background: var(--color-success);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  margin: 0 auto 24px;
  box-shadow: var(--shadow-lg);
}

.contact-success h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-success);
  margin-bottom: 12px;
}

.contact-success p {
  color: var(--color-text-light);
  margin-bottom: 24px;
}

/* ========================================
   Components - Form Elements
   ======================================== */
.form-container {
  max-width: 800px;
  margin: 0 auto;
  background: white;
  padding: 48px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-lg);
}

.form-header {
  text-align: center;
  margin-bottom: 48px;
}

/* ========================================
   Components - Progress Bar
   ======================================== */
.progress-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 48px;
  position: relative;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  position: relative;
  z-index: 1;
}

.step-circle {
  width: 48px;
  height: 48px;
  background: var(--color-border);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--color-text-light);
  margin-bottom: 12px;
  transition: var(--transition);
}

.progress-step.active .step-circle,
.progress-step.completed .step-circle {
  background: var(--color-primary);
  color: white;
}

.step-label {
  font-size: 0.875rem;
  color: var(--color-text-light);
  text-align: center;
  max-width: 150px;
}

.progress-step.active .step-label {
  color: var(--color-primary);
  font-weight: 600;
}

.progress-line {
  flex: 1;
  height: 2px;
  background: var(--color-border);
  position: relative;
  top: -24px;
}

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

.form-step.active {
  display: block;
  animation: fadeInForm 0.3s ease;
}

@keyframes fadeInForm {
  from {
    opacity: 0;
    transform: translateX(20px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.step-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 32px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 24px;
}

.loan-summary {
  background: var(--color-bg-secondary);
  padding: 32px;
  border-radius: var(--border-radius);
  margin: 32px 0;
}

.loan-summary h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 20px;
}

.summary-item {
  display: flex;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid var(--color-border);
}

.summary-item:last-child {
  border-bottom: none;
}

.checkbox-group label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
}

.checkbox-group input[type="checkbox"] {
  width: auto;
  margin-top: 4px;
}

.form-actions {
  display: flex;
  gap: 16px;
  justify-content: flex-end;
  margin-top: 32px;
}

.security-notice {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: var(--color-bg-secondary);
  padding: 24px;
  border-radius: var(--border-radius-sm);
  margin-top: 32px;
}

.security-icon {
  font-size: 2rem;
}

.security-text strong {
  display: block;
  color: var(--color-secondary);
  margin-bottom: 4px;
}

.security-text p {
  color: var(--color-text-light);
  font-size: 0.875rem;
  line-height: 1.6;
}

.btn-loader {
  display: inline;
}

/* ========================================
   Pages - About/Story
   ======================================== */
.story-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.story-image img {
  width: 100%;
  height: auto;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-lg);
}

.story-text p {
  line-height: 1.8;
  margin-bottom: 20px;
  color: var(--color-text);
}

/* ========================================
   Responsive Design
   ======================================== */

/* Tablet & Below */
@media (max-width: 1024px) {
  .calculator-wrapper {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .story-content {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

/* Mobile & Below */
@media (max-width: 768px) {
  .nav-menu {
    position: fixed;
    top: 80px;
    left: -100%;
    width: 100%;
    height: calc(100vh - 80px);
    background: white;
    flex-direction: column;
    padding: 32px;
    transition: left 0.3s;
    box-shadow: var(--shadow-xl);
    gap: 24px;
  }

  .nav-menu.active {
    left: 0;
  }

  .nav-list {
    flex-direction: column;
    width: 100%;
    gap: 16px;
  }

  .nav-link {
    display: block;
    padding: 12px;
    text-align: center;
  }

  .btn-nav {
    width: 100%;
  }

  .nav-toggle {
    display: flex;
  }

  .hero {
    padding: 140px 0 100px;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .hero-image {
    order: -1;
  }

  .hero-title {
    font-size: 2rem;
  }

  .hero-subtitle {
    font-size: 1rem;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .hero-buttons {
    flex-direction: column;
  }

  .section-title {
    font-size: 1.75rem;
  }

  .stats-grid,
  .advantages-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

/* Small Mobile */
@media (max-width: 480px) {
  html {
    font-size: 14px;
  }

  .container {
    padding: 0 16px;
  }

  .hero-title {
    font-size: 1.75rem;
  }

  .result-value {
    font-size: 2rem;
  }

  .testimonial-card {
    padding: 32px 24px;
  }
}

/* ========================================
   Services Page Specific Styles
   ======================================== */
.hero-small {
  padding: 140px 0 80px;
  background: linear-gradient(135deg, var(--color-bg-secondary) 0%, white 100%);
}

.hero-content-center {
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
}

.services-detailed {
  padding: 80px 0;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
  gap: 32px;
  margin-top: 48px;
}

.service-detail-card {
  background: white;
  border-radius: var(--border-radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  transition: all 0.3s ease;
  border: 2px solid var(--color-border);
}

.service-detail-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
  border-color: var(--color-primary-light);
}

.service-icon-large {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  border-radius: var(--border-radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  box-shadow: 0 8px 20px rgba(16, 185, 129, 0.25);
}

.service-icon-large i {
  font-size: 2.5rem;
  color: white;
}

.service-detail-title {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 16px;
}

.service-detail-desc {
  color: var(--color-text-light);
  line-height: 1.7;
  margin-bottom: 32px;
  font-size: 1.05rem;
}

.service-features {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 32px;
  padding: 24px;
  background: var(--color-bg-secondary);
  border-radius: var(--border-radius-sm);
}

.feature-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.95rem;
  color: var(--color-text);
  font-weight: 500;
}

.feature-item i {
  color: var(--color-primary);
  font-size: 1.1rem;
}

.service-use-cases {
  margin-bottom: 32px;
  padding: 24px;
  background: linear-gradient(135deg, rgba(16, 185, 129, 0.05), rgba(16, 185, 129, 0.02));
  border-radius: var(--border-radius-sm);
  border-left: 4px solid var(--color-primary);
}

.service-use-cases h4 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 16px;
}

.service-use-cases ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.service-use-cases ul li {
  padding: 8px 0 8px 28px;
  position: relative;
  color: var(--color-text);
  font-size: 0.95rem;
}

.service-use-cases ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--color-primary);
  font-weight: bold;
  font-size: 1.1rem;
}

.process {
  padding: 80px 0;
}

.process-steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  margin-top: 64px;
  flex-wrap: wrap;
}

.process-step {
  flex: 1;
  min-width: 250px;
  max-width: 300px;
  text-align: center;
  padding: 40px 32px;
  background: white;
  border-radius: var(--border-radius-lg);
  box-shadow: var(--shadow-lg);
  position: relative;
  transition: all 0.3s ease;
}

.process-step:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
}

.step-number {
  position: absolute;
  top: -20px;
  left: 50%;
  transform: translateX(-50%);
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 1.5rem;
  font-weight: 700;
  box-shadow: 0 6px 20px rgba(16, 185, 129, 0.3);
}

.step-icon {
  width: 80px;
  height: 80px;
  margin: 32px auto 24px;
  background: var(--color-bg-secondary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-icon i {
  font-size: 2rem;
  color: var(--color-primary);
}

.step-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-secondary);
  margin-bottom: 16px;
}

.step-desc {
  color: var(--color-text-light);
  line-height: 1.7;
  font-size: 1rem;
}

.process-arrow {
  color: var(--color-primary);
  font-size: 2rem;
  opacity: 0.4;
}

@media (max-width: 968px) {
  .services-grid {
    grid-template-columns: 1fr;
  }

  .process-steps {
    flex-direction: column;
  }

  .process-arrow {
    transform: rotate(90deg);
  }

  .service-detail-card {
    padding: 32px 24px;
  }
}