:root {
      --primary: #0b3c91;
      --primary-dark: #082c6b;
      --secondary: #0ea5a4;
      --accent: #d4af37;
      --light: #f8fbff;
      --white: #ffffff;
      --text: #1f2937;
      --muted: #6b7280;
      --border: rgba(15, 23, 42, 0.08);
      --shadow: 0 10px 30px rgba(2, 12, 27, 0.08);
      --radius: 18px;
      --transition: all 0.35s ease;
      --gradient: linear-gradient(135deg, #0b3c91 0%, #0ea5a4 100%);
    }

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

    html {
      scroll-behavior: smooth;
    }

    body {
      font-family: Arial, Helvetica, sans-serif;
      color: var(--text);
      background: #f4f9ff;
      line-height: 1.6;
      overflow-x: hidden;
    }

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

    ul {
      list-style: none;
    }

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

    .container {
      width: min(1180px, 92%);
      margin: 0 auto;
    }

    .section {
      padding: 90px 0;
    }

    .section-title {
      text-align: center;
      max-width: 760px;
      margin: 0 auto 50px;
    }

    .section-title span {
      display: inline-block;
      color: var(--secondary);
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 1.2px;
      font-size: 0.9rem;
      margin-bottom: 10px;
    }

    .section-title h2 {
      font-size: clamp(2rem, 4vw, 3rem);
      color: var(--primary-dark);
      margin-bottom: 12px;
      line-height: 1.15;
    }

    .section-title p {
      color: var(--muted);
      font-size: 1rem;
    }

    .btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 10px;
      padding: 14px 24px;
      border-radius: 999px;
      border: none;
      cursor: pointer;
      font-weight: 700;
      transition: var(--transition);
      font-size: 0.97rem;
    }

    .btn-primary {
      background: var(--gradient);
      color: var(--white);
      box-shadow: 0 12px 24px rgba(11, 60, 145, 0.25);
    }

    .btn-primary:hover {
      transform: translateY(-3px);
      box-shadow: 0 18px 30px rgba(11, 60, 145, 0.3);
    }

    .btn-outline {
      background: transparent;
      color: var(--primary);
      border: 2px solid rgba(11, 60, 145, 0.2);
    }

    .btn-outline:hover {
      background: rgba(11, 60, 145, 0.08);
      transform: translateY(-3px);
    }

    .badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(14, 165, 164, 0.1);
      color: var(--secondary);
      padding: 8px 16px;
      border-radius: 999px;
      font-weight: 700;
      font-size: 0.9rem;
      margin-bottom: 20px;
    }

    /* Header */
    .header {
      position: fixed;
      inset: 0 0 auto 0;
      z-index: 1000;
      transition: var(--transition);
      background: transparent;
    }

    .header.scrolled {
      background: rgba(255, 255, 255, 0.96);
      backdrop-filter: blur(14px);
      box-shadow: 0 8px 24px rgba(15, 23, 42, 0.08);
    }

    .nav {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 18px 0;
      gap: 20px;
    }

    .logo {
      display: flex;
      align-items: center;
      gap: 12px;
      font-weight: 800;
      color: var(--primary-dark);
      font-size: 1.15rem;
    }

    .logo-mark {
      width: 42px;
      height: 42px;
      border-radius: 12px;
      background: var(--gradient);
      display: grid;
      place-items: center;
      color: white;
      font-weight: 900;
      box-shadow: 0 10px 20px rgba(11, 60, 145, 0.22);
    }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 22px;
    }

    .nav-links a {
      color: var(--text);
      font-weight: 600;
      position: relative;
      transition: var(--transition);
    }

    .nav-links a::after {
      content: "";
      position: absolute;
      left: 0;
      bottom: -6px;
      width: 0%;
      height: 2px;
      background: var(--secondary);
      transition: var(--transition);
    }

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

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

    .nav-actions {
      display: flex;
      align-items: center;
      gap: 14px;
    }

    .menu-toggle {
      display: none;
      font-size: 1.7rem;
      background: none;
      border: none;
      cursor: pointer;
      color: var(--primary-dark);
    }

    /* Hero */
    .hero {
      position: relative;
      padding: 165px 0 100px;
      overflow: hidden;
      background:
        radial-gradient(circle at 20% 20%, rgba(14, 165, 164, 0.12), transparent 28%),
        radial-gradient(circle at 80% 30%, rgba(212, 175, 55, 0.13), transparent 26%),
        linear-gradient(180deg, #eef7ff 0%, #ffffff 100%);
    }

    .hero-grid {
      display: grid;
      grid-template-columns: 1.1fr 0.9fr;
      align-items: center;
      gap: 40px;
      position: relative;
      z-index: 2;
    }

    .hero-content h1 {
      font-size: clamp(2.4rem, 5vw, 4.3rem);
      line-height: 1.05;
      color: var(--primary-dark);
      margin-bottom: 18px;
    }

    .hero-content p {
      font-size: 1.07rem;
      color: var(--muted);
      max-width: 620px;
      margin-bottom: 28px;
    }

    .hero-buttons {
      display: flex;
      gap: 14px;
      flex-wrap: wrap;
      margin-bottom: 30px;
    }

    .hero-stats {
      display: flex;
      gap: 20px;
      flex-wrap: wrap;
    }

    .hero-stat {
      background: rgba(255, 255, 255, 0.8);
      border: 1px solid rgba(11, 60, 145, 0.08);
      box-shadow: var(--shadow);
      padding: 16px 18px;
      border-radius: 16px;
      min-width: 145px;
    }

    .hero-stat h3 {
      color: var(--primary);
      font-size: 1.35rem;
      margin-bottom: 4px;
    }

    .hero-stat p {
      margin: 0;
      font-size: 0.92rem;
    }

    .hero-visual {
      position: relative;
      min-height: 520px;
    }

    .dashboard-card {
      position: absolute;
      background: rgba(255, 255, 255, 0.86);
      backdrop-filter: blur(10px);
      border: 1px solid rgba(11, 60, 145, 0.1);
      box-shadow: 0 18px 35px rgba(15, 23, 42, 0.12);
      border-radius: 22px;
      padding: 22px;
      animation: float 6s ease-in-out infinite;
    }

    .dashboard-main {
      right: 30px;
      top: 60px;
      width: 360px;
    }

    .dashboard-small {
      left: 10px;
      bottom: 80px;
      width: 230px;
      animation-delay: 1.4s;
    }

    .dashboard-mini {
      right: 0;
      bottom: 10px;
      width: 180px;
      animation-delay: 0.8s;
    }

    .card-top {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-bottom: 18px;
    }

    .card-pill {
      padding: 6px 12px;
      border-radius: 999px;
      font-size: 0.82rem;
      background: rgba(14, 165, 164, 0.12);
      color: var(--secondary);
      font-weight: 700;
    }

    .balance {
      font-size: 2rem;
      font-weight: 800;
      color: var(--primary-dark);
      margin-bottom: 16px;
    }

    .chart {
      display: flex;
      align-items: flex-end;
      gap: 10px;
      height: 140px;
      margin-top: 16px;
    }

    .bar {
      flex: 1;
      border-radius: 12px 12px 4px 4px;
      background: linear-gradient(180deg, #0ea5a4, #0b3c91);
      animation: growBar 1.5s ease forwards;
      transform-origin: bottom;
      transform: scaleY(0);
    }

    .bar:nth-child(1) { height: 50%; animation-delay: 0.1s; }
    .bar:nth-child(2) { height: 68%; animation-delay: 0.2s; }
    .bar:nth-child(3) { height: 42%; animation-delay: 0.3s; }
    .bar:nth-child(4) { height: 85%; animation-delay: 0.4s; }
    .bar:nth-child(5) { height: 70%; animation-delay: 0.5s; }

    .floating-icon {
      position: absolute;
      width: 58px;
      height: 58px;
      border-radius: 18px;
      display: grid;
      place-items: center;
      color: white;
      font-size: 1.5rem;
      background: var(--gradient);
      box-shadow: 0 15px 30px rgba(11, 60, 145, 0.22);
      animation: float 5s ease-in-out infinite;
    }

    .icon-1 { top: 20px; left: 15px; }
    .icon-2 { top: 120px; left: 60px; animation-delay: 1s; }
    .icon-3 { right: 70px; top: 20px; animation-delay: 2s; }
    .icon-4 { left: 80px; bottom: 20px; animation-delay: 1.5s; }

    /* About */
    .about-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 34px;
      align-items: center;
    }

    .about-card {
      background: var(--white);
      padding: 34px;
      border-radius: 22px;
      box-shadow: var(--shadow);
      border: 1px solid var(--border);
    }

    .about-card p {
      color: var(--muted);
      margin-bottom: 18px;
    }

    .counter-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 18px;
    }

    .counter-box {
      background: linear-gradient(180deg, #ffffff, #f1f8ff);
      border: 1px solid var(--border);
      border-radius: 18px;
      padding: 24px;
      text-align: center;
      transition: var(--transition);
    }

    .counter-box:hover {
      transform: translateY(-5px);
      box-shadow: var(--shadow);
    }

    .counter-box h3 {
      font-size: 2rem;
      color: var(--primary);
    }

    .counter-box p {
      margin: 6px 0 0;
      color: var(--muted);
    }

    /* Why Choose Us */
    .benefits-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 22px;
    }

    .benefit-card {
      background: var(--white);
      border-radius: 20px;
      padding: 28px 24px;
      text-align: center;
      box-shadow: var(--shadow);
      border: 1px solid var(--border);
      transition: var(--transition);
    }

    .benefit-card:hover {
      transform: translateY(-8px);
    }

    .benefit-icon {
      width: 68px;
      height: 68px;
      margin: 0 auto 18px;
      border-radius: 20px;
      display: grid;
      place-items: center;
      background: rgba(11, 60, 145, 0.08);
      color: var(--primary);
      font-size: 1.8rem;
    }

    .benefit-card h3 {
      color: var(--primary-dark);
      margin-bottom: 10px;
    }

    .benefit-card p {
      color: var(--muted);
      font-size: 0.96rem;
    }

    /* Services */
    .service-groups {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 26px;
    }

    .service-group {
      background: var(--white);
      border-radius: 24px;
      border: 1px solid var(--border);
      box-shadow: var(--shadow);
      overflow: hidden;
      transition: var(--transition);
    }

    .service-group:hover {
      transform: translateY(-5px);
    }

    .service-group-header {
      padding: 24px 24px 10px;
      display: flex;
      align-items: center;
      gap: 14px;
    }

    .service-group-icon {
      width: 58px;
      height: 58px;
      border-radius: 18px;
      background: rgba(14, 165, 164, 0.12);
      color: var(--secondary);
      display: grid;
      place-items: center;
      font-size: 1.5rem;
      flex-shrink: 0;
    }

    .service-group-header h3 {
      color: var(--primary-dark);
      font-size: 1.25rem;
    }

    .service-group-header p {
      color: var(--muted);
      font-size: 0.95rem;
      margin-top: 4px;
    }

    .service-list {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 14px;
      padding: 24px;
    }

    .service-card {
      background: linear-gradient(180deg, #fafdff, #f2f8ff);
      border: 1px solid rgba(11, 60, 145, 0.08);
      border-radius: 16px;
      padding: 16px 15px;
      transition: var(--transition);
      position: relative;
      overflow: hidden;
    }

    .service-card::before {
      content: "";
      position: absolute;
      inset: auto 0 0 0;
      height: 0;
      background: linear-gradient(180deg, rgba(14, 165, 164, 0.08), rgba(11, 60, 145, 0.08));
      transition: var(--transition);
      z-index: 0;
    }

    .service-card:hover::before {
      height: 100%;
    }

    .service-card:hover {
      transform: translateY(-4px);
      border-color: rgba(14, 165, 164, 0.3);
    }

    .service-card span {
      position: relative;
      z-index: 1;
      display: block;
      color: var(--primary-dark);
      font-weight: 700;
      font-size: 0.95rem;
    }

    /* Testimonials */
    .testimonial-wrap {
      position: relative;
      max-width: 900px;
      margin: 0 auto;
    }

    .testimonial-slider {
      overflow: hidden;
      border-radius: 24px;
    }

    .testimonial-track {
      display: flex;
      transition: transform 0.6s ease;
    }

    .testimonial-card {
      min-width: 100%;
      background: var(--white);
      box-shadow: var(--shadow);
      border: 1px solid var(--border);
      border-radius: 24px;
      padding: 36px;
      text-align: center;
    }

    .testimonial-avatar {
      width: 84px;
      height: 84px;
      border-radius: 50%;
      margin: 0 auto 18px;
      object-fit: cover;
      border: 4px solid rgba(14, 165, 164, 0.18);
    }

    .testimonial-card h3 {
      color: var(--primary-dark);
      margin-bottom: 6px;
    }

    .testimonial-card small {
      color: var(--secondary);
      font-weight: 700;
    }

    .testimonial-card p {
      color: var(--muted);
      max-width: 700px;
      margin: 18px auto 0;
      font-size: 1.03rem;
    }

    .slider-controls {
      display: flex;
      justify-content: center;
      gap: 12px;
      margin-top: 24px;
    }

    .slider-btn, .dot {
      border: none;
      cursor: pointer;
      transition: var(--transition);
    }

    .slider-btn {
      width: 46px;
      height: 46px;
      border-radius: 50%;
      background: var(--white);
      color: var(--primary);
      box-shadow: var(--shadow);
      font-size: 1.1rem;
    }

    .slider-btn:hover {
      background: var(--primary);
      color: var(--white);
    }

    .dots {
      display: flex;
      justify-content: center;
      gap: 10px;
      margin-top: 16px;
    }

    .dot {
      width: 12px;
      height: 12px;
      border-radius: 50%;
      background: #cbd5e1;
    }

    .dot.active {
      width: 30px;
      border-radius: 999px;
      background: var(--secondary);
    }

    /* FAQ */
    .faq-list {
      max-width: 880px;
      margin: 0 auto;
      display: grid;
      gap: 16px;
    }

    .faq-item {
      background: var(--white);
      border: 1px solid var(--border);
      border-radius: 18px;
      box-shadow: var(--shadow);
      overflow: hidden;
    }

    .faq-question {
      width: 100%;
      padding: 22px 24px;
      background: transparent;
      border: none;
      text-align: left;
      font-size: 1rem;
      font-weight: 700;
      color: var(--primary-dark);
      display: flex;
      justify-content: space-between;
      align-items: center;
      cursor: pointer;
    }

    .faq-icon {
      font-size: 1.4rem;
      color: var(--secondary);
      transition: transform 0.3s ease;
    }

    .faq-answer {
      max-height: 0;
      overflow: hidden;
      transition: max-height 0.35s ease, padding 0.35s ease;
      padding: 0 24px;
      color: var(--muted);
    }

    .faq-item.active .faq-answer {
      max-height: 200px;
      padding: 0 24px 20px;
    }

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

    /* Contact */
    .contact-grid {
      display: grid;
      grid-template-columns: 0.9fr 1.1fr;
      gap: 28px;
    }

    .contact-card,
    .form-card,
    .newsletter-card {
      background: var(--white);
      border-radius: 22px;
      border: 1px solid var(--border);
      box-shadow: var(--shadow);
      padding: 30px;
    }

    .contact-card h3,
    .form-card h3,
    .newsletter-card h3 {
      color: var(--primary-dark);
      margin-bottom: 14px;
      font-size: 1.4rem;
    }

    .contact-card p {
      color: var(--muted);
      margin-bottom: 20px;
    }

    .contact-info li {
      display: flex;
      gap: 12px;
      align-items: flex-start;
      margin-bottom: 16px;
      color: var(--text);
    }

    .contact-info strong {
      color: var(--primary);
      display: block;
      margin-bottom: 2px;
    }

    .form-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 16px;
    }

    .form-group {
      display: flex;
      flex-direction: column;
      gap: 8px;
    }

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

    label {
      font-weight: 700;
      color: var(--primary-dark);
      font-size: 0.94rem;
    }

    input,
    select,
    textarea {
      width: 100%;
      padding: 14px 14px;
      border-radius: 14px;
      border: 1px solid rgba(15, 23, 42, 0.14);
      outline: none;
      font-size: 0.96rem;
      transition: var(--transition);
      background: #fbfdff;
    }

    input:focus,
    select:focus,
    textarea:focus {
      border-color: var(--secondary);
      box-shadow: 0 0 0 4px rgba(14, 165, 164, 0.12);
    }

    textarea {
      resize: vertical;
      min-height: 130px;
    }

    .checkbox-group {
      display: flex;
      gap: 10px;
      align-items: flex-start;
      color: var(--muted);
      font-size: 0.94rem;
    }

    .checkbox-group input {
      width: auto;
      margin-top: 4px;
    }

    .form-message {
      margin-top: 16px;
      padding: 14px 16px;
      border-radius: 14px;
      display: none;
      font-weight: 700;
      animation: fadeUp 0.4s ease;
    }

    .form-message.success {
      display: block;
      background: rgba(34, 197, 94, 0.12);
      color: #166534;
    }

    .form-message.error {
      display: block;
      background: rgba(239, 68, 68, 0.12);
      color: #991b1b;
    }

    /* Footer */
    .footer {
      background: linear-gradient(180deg, #07204f 0%, #081b41 100%);
      color: rgba(255, 255, 255, 0.86);
      padding: 70px 0 30px;
      margin-top: 60px;
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 1.1fr 0.8fr 1fr 1.1fr;
      gap: 28px;
      margin-bottom: 30px;
    }

    .footer h4 {
      color: var(--white);
      margin-bottom: 16px;
      font-size: 1.1rem;
    }

    .footer p,
    .footer li,
    .footer a {
      color: rgba(255, 255, 255, 0.8);
      font-size: 0.95rem;
    }

    .footer ul li {
      margin-bottom: 12px;
    }

    .footer a:hover {
      color: #7dd3fc;
    }

    .socials {
      display: flex;
      gap: 12px;
      margin-top: 18px;
      flex-wrap: wrap;
    }

    .socials a {
      width: 42px;
      height: 42px;
      border-radius: 50%;
      display: grid;
      place-items: center;
      background: rgba(255, 255, 255, 0.1);
      transition: var(--transition);
    }

    .socials a:hover {
      background: var(--secondary);
      transform: translateY(-3px);
      color: white;
    }

    .footer-bottom {
      border-top: 1px solid rgba(255, 255, 255, 0.12);
      padding-top: 24px;
      display: flex;
      justify-content: space-between;
      gap: 16px;
      flex-wrap: wrap;
    }

    .footer-legal {
      display: flex;
      gap: 16px;
      flex-wrap: wrap;
    }

    .footer-legal button {
      background: none;
      border: none;
      color: rgba(255, 255, 255, 0.85);
      cursor: pointer;
      font-size: 0.95rem;
      transition: var(--transition);
    }

    .footer-legal button:hover {
      color: #7dd3fc;
    }

    /* Popup */
    .modal {
      position: fixed;
      inset: 0;
      background: rgba(2, 6, 23, 0.55);
      display: none;
      align-items: center;
      justify-content: center;
      z-index: 1200;
      padding: 20px;
    }

    .modal.active {
      display: flex;
      animation: fadeIn 0.25s ease;
    }

    .modal-content {
      background: white;
      width: min(800px, 100%);
      max-height: 85vh;
      overflow-y: auto;
      border-radius: 24px;
      padding: 30px;
      position: relative;
      box-shadow: 0 25px 60px rgba(2, 6, 23, 0.25);
      animation: fadeUp 0.35s ease;
    }

    .modal-content h2 {
      color: var(--primary-dark);
      margin-bottom: 14px;
    }

    .modal-content p {
      color: var(--muted);
      margin-bottom: 14px;
    }

    .modal-close {
      position: absolute;
      top: 14px;
      right: 14px;
      width: 42px;
      height: 42px;
      border-radius: 50%;
      border: none;
      background: rgba(11, 60, 145, 0.08);
      cursor: pointer;
      font-size: 1.2rem;
      color: var(--primary);
    }

    /* Reveal Animation */
    .reveal {
      opacity: 0;
      transform: translateY(30px);
      transition: opacity 0.8s ease, transform 0.8s ease;
    }

    .reveal.active {
      opacity: 1;
      transform: translateY(0);
    }

    /* Animations */
    @keyframes float {
      0%, 100% { transform: translateY(0px); }
      50% { transform: translateY(-12px); }
    }

    @keyframes growBar {
      to { transform: scaleY(1); }
    }

    @keyframes fadeUp {
      from {
        opacity: 0;
        transform: translateY(18px);
      }
      to {
        opacity: 1;
        transform: translateY(0);
      }
    }

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

    /* Responsive */
    @media (max-width: 1080px) {
      .hero-grid,
      .about-grid,
      .contact-grid,
      .footer-grid,
      .service-groups,
      .benefits-grid {
        grid-template-columns: 1fr 1fr;
      }

      .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
      }

      .hero-visual {
        min-height: 480px;
      }

      .dashboard-main {
        width: 320px;
      }
    }

    @media (max-width: 860px) {
      .menu-toggle {
        display: block;
      }

      .nav-links,
      .nav-actions .header-cta {
        display: none;
      }

      .nav-links.active {
        display: flex;
        position: absolute;
        top: 80px;
        left: 4%;
        right: 4%;
        flex-direction: column;
        background: rgba(255, 255, 255, 0.98);
        padding: 20px;
        border-radius: 18px;
        box-shadow: var(--shadow);
        backdrop-filter: blur(10px);
      }

      .hero-grid,
      .about-grid,
      .contact-grid,
      .footer-grid,
      .service-groups,
      .benefits-grid,
      .form-grid {
        grid-template-columns: 1fr;
      }

      .hero {
        padding-top: 140px;
      }

      .hero-visual {
        min-height: 420px;
      }

      .dashboard-main,
      .dashboard-small,
      .dashboard-mini {
        position: absolute;
      }

      .dashboard-main {
        width: 100%;
        max-width: 330px;
        left: 50%;
        transform: translateX(-50%);
      }

      .dashboard-small {
        left: 0;
        bottom: 80px;
      }

      .dashboard-mini {
        right: 0;
      }

      .service-list {
        grid-template-columns: 1fr;
      }
    }

    @media (max-width: 560px) {
      .section {
        padding: 72px 0;
      }

      .hero-stat {
        width: 100%;
      }

      .hero-buttons {
        flex-direction: column;
        align-items: stretch;
      }

      .testimonial-card,
      .contact-card,
      .form-card,
      .newsletter-card,
      .about-card {
        padding: 24px;
      }

      .dashboard-main {
        top: 30px;
      }

      .dashboard-small,
      .dashboard-mini {
        width: 170px;
        padding: 16px;
      }

      .balance {
        font-size: 1.5rem;
      }
    }