/* Lifetime Free Credit Cards - DfinKard Hub */
/* Modern Design with Emerald Green Theme */

:root {
    /* Color Palette - Green/Emerald Theme for "Free" */
    --primary-50: #ecfdf5;
    --primary-100: #d1fae5;
    --primary-200: #a7f3d0;
    --primary-300: #6ee7b7;
    --primary-400: #34d399;
    --primary-500: #10d97d;
    --primary-600: #059669;
    --primary-700: #047857;
    --primary-800: #065f46;
    --primary-900: #064e3b;
    
    /* Accent Colors */
    --accent-50: #fef3c7;
    --accent-100: #fde68a;
    --accent-200: #fcd34d;
    --accent-300: #fbbf24;
    --accent-400: #f59e0b;
    --accent-500: #d97706;
    --accent-600: #b45309;
    --accent-700: #92400e;
    --accent-800: #78350f;
    --accent-900: #451a03;
    
    /* Neutral Colors */
    --gray-50: #f8fafc;
    --gray-100: #f1f5f9;
    --gray-200: #e2e8f0;
    --gray-300: #cbd5e1;
    --gray-400: #94a3b8;
    --gray-500: #64748b;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1e293b;
    --gray-900: #0f172a;
    
    /* Main Colors */
    --primary: var(--primary-600);
    --primary-light: var(--primary-400);
    --primary-dark: var(--primary-800);
    --accent: var(--accent-500);
    --success: var(--primary-500);
    --warning: var(--accent-400);
    --error: #ef4444;
    
    /* Text Colors */
    --text-primary: var(--gray-900);
    --text-secondary: var(--gray-600);
    --text-muted: var(--gray-500);
    --text-light: var(--gray-400);
    --text-white: #ffffff;
    
    /* Background Colors */
    --bg-primary: #ffffff;
    --bg-secondary: var(--gray-50);
    --bg-tertiary: var(--gray-100);
    --bg-dark: var(--gray-900);
    --bg-gradient: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
    --bg-hero: linear-gradient(135deg, var(--primary-50) 0%, var(--primary-100) 50%, var(--accent-50) 100%);
    
    /* 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);
    --shadow-2xl: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    
    /* Border Radius */
    --radius-sm: 6px;
    --radius-md: 8px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    --radius-2xl: 24px;
    --radius-full: 9999px;
    
    /* Spacing */
    --space-1: 0.25rem;
    --space-2: 0.5rem;
    --space-3: 0.75rem;
    --space-4: 1rem;
    --space-5: 1.25rem;
    --space-6: 1.5rem;
    --space-8: 2rem;
    --space-10: 2.5rem;
    --space-12: 3rem;
    --space-16: 4rem;
    --space-20: 5rem;
    --space-24: 6rem;
    
    /* Typography */
    --font-sans: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-display: 'Space Grotesk', 'Poppins', sans-serif;
    
    /* Transitions */
    --transition-fast: all 0.15s ease;
    --transition-normal: all 0.3s ease;
    --transition-slow: all 0.5s ease;
    --transition-bounce: all 0.3s cubic-bezier(0.68, -0.55, 0.265, 1.55);
}

/* Reset & Base */
*,
*::before,
*::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

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

body {
    font-family: var(--font-sans);
    font-size: 1rem;
    line-height: 1.6;
    color: var(--text-primary);
    background-color: var(--bg-primary);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

/* Custom Scrollbar */
::-webkit-scrollbar {
    width: 8px;
}

::-webkit-scrollbar-track {
    background: var(--bg-secondary);
}

::-webkit-scrollbar-thumb {
    background: var(--bg-gradient);
    border-radius: var(--radius-full);
}

::-webkit-scrollbar-thumb:hover {
    background: var(--primary-dark);
}

/* Utilities */
.section-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-4);
}

.section-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-2) var(--space-4);
    background: var(--primary-100);
    color: var(--primary-800);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: var(--space-4);
    border: 1px solid var(--primary-200);
}

.section-badge.light {
    background: rgba(255, 255, 255, 0.2);
    color: var(--text-white);
    border: 1px solid rgba(255, 255, 255, 0.3);
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 5vw, 3.5rem);
    font-weight: 700;
    line-height: 1.1;
    color: var(--text-primary);
    margin-bottom: var(--space-4);
}

.section-title.light {
    color: var(--text-white);
}

.section-subtitle {
    font-size: 1.125rem;
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: var(--space-8);
    max-width: 600px;
}

.section-subtitle.light {
    color: rgba(255, 255, 255, 0.9);
}

/* Navigation */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--gray-200);
    transition: var(--transition-normal);
}

.navbar.scrolled {
    background: rgba(255, 255, 255, 0.98);
    box-shadow: var(--shadow-md);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-4);
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 70px;
}

.nav-brand {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    text-decoration: none;
}

.logo {
    display: flex;
    align-items: center;
    justify-content: center;
}

.brand-info {
    display: flex;
    flex-direction: column;
}

.brand-name {
    font-size: 1.5rem;
    font-weight: 800;
    background: var(--bg-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    line-height: 1.2;
}

.brand-tagline {
    font-size: 0.75rem;
    color: var(--text-muted);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: var(--space-8);
    list-style: none;
}

.nav-link {
    position: relative;
    padding: var(--space-2) 0;
    color: var(--text-secondary);
    text-decoration: none;
    font-weight: 500;
    transition: var(--transition-normal);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--bg-gradient);
    border-radius: var(--radius-full);
    transition: var(--transition-normal);
}

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

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

.nav-actions {
    display: flex;
    align-items: center;
    gap: var(--space-4);
}

.call-button {
    display: flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-2) var(--space-4);
    background: var(--bg-gradient);
    color: var(--text-white);
    text-decoration: none;
    border-radius: var(--radius-lg);
    font-weight: 600;
    font-size: 0.875rem;
    transition: var(--transition-normal);
}

.call-button:hover {
    transform: translateY(-1px);
    box-shadow: var(--shadow-lg);
}

.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 4px;
    background: none;
    border: none;
    cursor: pointer;
    padding: var(--space-2);
}

.menu-toggle span {
    width: 24px;
    height: 3px;
    background: var(--primary);
    border-radius: var(--radius-full);
    transition: var(--transition-normal);
}

/* Hero Section */
.hero {
    padding: calc(70px + var(--space-20)) 0 var(--space-20);
    background: var(--bg-hero);
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 50%;
    height: 100%;
    background: radial-gradient(circle at 20% 50%, rgba(16, 217, 125, 0.1) 0%, transparent 50%);
    pointer-events: none;
}

.hero-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-4);
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-16);
    align-items: center;
    margin-bottom: var(--space-16);
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-3) var(--space-6);
    background: rgba(16, 217, 125, 0.1);
    border: 1px solid rgba(16, 217, 125, 0.2);
    color: var(--primary-800);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: var(--space-6);
}

.hero-title {
    font-family: var(--font-display);
    font-size: clamp(2.5rem, 6vw, 4rem);
    font-weight: 700;
    line-height: 1.1;
    margin-bottom: var(--space-6);
    color: var(--text-primary);
}

.highlight-text {
    background: var(--bg-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-description {
    font-size: 1.125rem;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: var(--space-6);
}

.hero-features {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
    margin-bottom: var(--space-8);
}

.feature-item {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    font-weight: 500;
}

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

.hero-cta {
    display: flex;
    gap: var(--space-4);
    flex-wrap: wrap;
}

.cta-primary {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-4) var(--space-8);
    background: var(--bg-gradient);
    color: var(--text-white);
    text-decoration: none;
    border-radius: var(--radius-lg);
    font-weight: 600;
    font-size: 1.125rem;
    transition: var(--transition-normal);
    box-shadow: var(--shadow-lg);
}

.cta-primary:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-xl);
}

.cta-secondary {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-4) var(--space-8);
    background: transparent;
    color: var(--primary);
    text-decoration: none;
    border: 2px solid var(--primary);
    border-radius: var(--radius-lg);
    font-weight: 600;
    font-size: 1.125rem;
    transition: var(--transition-normal);
}

.cta-secondary:hover {
    background: var(--primary);
    color: var(--text-white);
}

/* Hero Visual */
.hero-visual {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}

.cards-showcase {
    position: relative;
    width: 100%;
    max-width: 400px;
}

.card-stack {
    position: relative;
    height: 300px;
}

.credit-card {
    position: absolute;
    width: 320px;
    height: 200px;
    border-radius: var(--radius-xl);
    padding: var(--space-6);
    color: var(--text-white);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    box-shadow: var(--shadow-2xl);
    transition: var(--transition-slow);
}

.card-1 {
    background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
    transform: rotate(-5deg) translateY(0);
    z-index: 2;
}

.card-2 {
    background: linear-gradient(135deg, var(--accent-400) 0%, var(--accent-600) 100%);
    transform: rotate(8deg) translateY(30px);
    z-index: 1;
}

.credit-card:hover {
    transform: rotate(0deg) translateY(-10px);
}

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

.card-brand {
    font-size: 1.125rem;
    font-weight: 700;
}

.card-type {
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.card-chip {
    width: 45px;
    height: 35px;
    background: linear-gradient(45deg, #ffd700, #ffed4e);
    border-radius: var(--radius-sm);
    margin: var(--space-3) 0;
}

.card-number {
    font-size: 1.25rem;
    font-weight: 600;
    letter-spacing: 3px;
    font-family: 'Courier New', monospace;
}

.card-footer {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
}

.card-holder {
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
}

.card-validity {
    font-size: 0.875rem;
    font-weight: 500;
}

.free-badge {
    position: absolute;
    top: var(--space-4);
    right: var(--space-4);
    background: rgba(255, 255, 255, 0.2);
    backdrop-filter: blur(10px);
    color: var(--text-white);
    padding: var(--space-1) var(--space-3);
    border-radius: var(--radius-full);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.savings-indicator {
    position: absolute;
    bottom: -20px;
    right: 20px;
    background: var(--bg-primary);
    border: 3px solid var(--primary);
    border-radius: var(--radius-full);
    padding: var(--space-4);
    text-align: center;
    box-shadow: var(--shadow-lg);
}

.savings-amount {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
    line-height: 1;
}

.savings-text {
    font-size: 0.75rem;
    color: var(--text-muted);
    font-weight: 600;
}

/* Stats Bar */
.stats-bar {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-8);
    padding: var(--space-8);
    background: var(--bg-primary);
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--gray-200);
}

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

.stat-number {
    font-size: 2rem;
    font-weight: 800;
    background: var(--bg-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    line-height: 1.2;
}

.stat-label {
    font-size: 0.875rem;
    color: var(--text-muted);
    font-weight: 500;
}

/* Benefits Section */
.benefits {
    padding: var(--space-24) 0;
    background: var(--bg-primary);
}

.section-header {
    text-align: center;
    margin-bottom: var(--space-16);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: var(--space-8);
}

.benefit-card {
    background: var(--bg-primary);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: var(--space-8);
    text-align: center;
    transition: var(--transition-normal);
    position: relative;
    overflow: hidden;
}

.benefit-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: var(--bg-gradient);
    transform: scaleX(0);
    transform-origin: left;
    transition: var(--transition-normal);
}

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

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

.benefit-icon {
    width: 80px;
    height: 80px;
    background: var(--primary-100);
    color: var(--primary);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-6);
}

.benefit-card h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: var(--space-4);
}

.benefit-card p {
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: var(--space-4);
}

.benefit-highlight {
    display: inline-block;
    padding: var(--space-2) var(--space-4);
    background: var(--primary-50);
    color: var(--primary-800);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
}

/* Cards Section */
.cards-section {
    padding: var(--space-24) 0;
    background: var(--bg-secondary);
}

.cards-comparison {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: var(--space-8);
}

.card-option {
    background: var(--bg-primary);
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    transition: var(--transition-normal);
    position: relative;
}

.card-option.featured {
    transform: scale(1.05);
    border: 3px solid var(--primary);
}

.card-option:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-2xl);
}

.popular-badge {
    position: absolute;
    top: var(--space-4);
    left: var(--space-4);
    background: var(--bg-gradient);
    color: var(--text-white);
    padding: var(--space-2) var(--space-4);
    border-radius: var(--radius-full);
    font-size: 0.75rem;
    font-weight: 700;
    z-index: 10;
}

.card-visual {
    padding: var(--space-8);
    background: var(--bg-hero);
    display: flex;
    justify-content: center;
    align-items: center;
}

.comparison-card {
    width: 280px;
    height: 180px;
    border-radius: var(--radius-xl);
    padding: var(--space-6);
    color: var(--text-white);
    position: relative;
    overflow: hidden;
}

.card-platinum {
    background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-800) 100%);
}

.card-select {
    background: linear-gradient(135deg, var(--accent-400) 0%, var(--accent-600) 100%);
}

.card-classic {
    background: linear-gradient(135deg, var(--gray-600) 0%, var(--gray-800) 100%);
}

.free-forever {
    position: absolute;
    bottom: var(--space-3);
    right: var(--space-3);
    background: rgba(255, 255, 255, 0.2);
    backdrop-filter: blur(10px);
    padding: var(--space-1) var(--space-3);
    border-radius: var(--radius-full);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
}

.card-details {
    padding: var(--space-8);
}

.card-details h3 {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: var(--space-3);
}

.card-fee {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    margin-bottom: var(--space-6);
}

.original-fee {
    font-size: 1rem;
    color: var(--text-muted);
    text-decoration: line-through;
}

.free-fee {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary);
}

.card-benefits {
    list-style: none;
    margin-bottom: var(--space-8);
}

.card-benefits li {
    padding: var(--space-2) 0;
    color: var(--text-secondary);
    position: relative;
    padding-left: var(--space-6);
}

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

.card-cta {
    display: block;
    width: 100%;
    padding: var(--space-4) var(--space-6);
    background: var(--bg-gradient);
    color: var(--text-white);
    text-decoration: none;
    text-align: center;
    border-radius: var(--radius-lg);
    font-weight: 600;
    transition: var(--transition-normal);
}

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

/* About Section */
.about {
    padding: var(--space-24) 0;
    background: var(--bg-primary);
}

.about-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-16);
    align-items: center;
}

.about-description {
    font-size: 1.125rem;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: var(--space-6);
}

.about-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-6);
    margin: var(--space-8) 0;
    padding: var(--space-8);
    background: var(--bg-secondary);
    border-radius: var(--radius-xl);
}

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

.stat-box .stat-number {
    font-size: 2rem;
    font-weight: 800;
    background: var(--bg-gradient);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    line-height: 1.2;
}

.stat-box .stat-label {
    font-size: 0.875rem;
    color: var(--text-muted);
    font-weight: 500;
}

.about-cta {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    padding: var(--space-4) var(--space-8);
    background: transparent;
    color: var(--primary);
    text-decoration: none;
    border: 2px solid var(--primary);
    border-radius: var(--radius-lg);
    font-weight: 600;
    transition: var(--transition-normal);
}

.about-cta:hover {
    background: var(--primary);
    color: var(--text-white);
}

.about-visual {
    position: relative;
}

.testimonial-card {
    background: var(--bg-primary);
    border: 2px solid var(--primary-200);
    border-radius: var(--radius-xl);
    padding: var(--space-8);
    box-shadow: var(--shadow-lg);
    margin-bottom: var(--space-8);
}

.testimonial-content p {
    font-size: 1.125rem;
    color: var(--text-secondary);
    font-style: italic;
    line-height: 1.6;
    margin-bottom: var(--space-6);
}

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

.author-name {
    font-weight: 600;
    color: var(--text-primary);
}

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

.author-savings {
    background: var(--primary-100);
    color: var(--primary-800);
    padding: var(--space-2) var(--space-4);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
}

.experience-badge {
    position: absolute;
    bottom: 0;
    right: 0;
    background: var(--bg-primary);
    border: 4px solid var(--primary);
    border-radius: var(--radius-full);
    padding: var(--space-6);
    text-align: center;
    box-shadow: var(--shadow-lg);
}

.experience-years {
    display: block;
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
    line-height: 1;
}

.experience-text {
    font-size: 0.75rem;
    color: var(--text-muted);
    font-weight: 600;
    text-transform: uppercase;
    line-height: 1.2;
}

/* Application Section */
.application {
    padding: var(--space-24) 0;
    background: var(--bg-gradient);
    color: var(--text-white);
}

.application-header {
    text-align: center;
    margin-bottom: var(--space-16);
}

.application-form-container {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: var(--space-16);
    align-items: start;
}

.application-form {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-2xl);
    padding: var(--space-10);
    color: var(--text-primary);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-6);
    margin-bottom: var(--space-6);
}

.form-group {
    margin-bottom: var(--space-6);
}

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

.form-group label {
    display: block;
    margin-bottom: var(--space-2);
    font-weight: 600;
    color: var(--text-primary);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: var(--space-4);
    border: 2px solid var(--gray-300);
    border-radius: var(--radius-lg);
    font-family: var(--font-sans);
    font-size: 1rem;
    transition: var(--transition-normal);
    background: var(--bg-primary);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(16, 217, 125, 0.1);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-submit {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-3);
    width: 100%;
    padding: var(--space-5) var(--space-8);
    background: var(--bg-gradient);
    color: var(--text-white);
    border: none;
    border-radius: var(--radius-lg);
    font-family: var(--font-sans);
    font-size: 1.125rem;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition-normal);
    margin-bottom: var(--space-6);
}

.form-submit:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-xl);
}

.form-benefits {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: var(--space-2);
    text-align: center;
}

.form-benefits .benefit-item {
    font-size: 0.875rem;
    color: var(--text-secondary);
    font-weight: 500;
}

.consultation-info {
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    border-radius: var(--radius-xl);
    padding: var(--space-8);
}

.consultation-info h4 {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: var(--space-6);
    color: var(--text-white);
}

.process-steps {
    display: flex;
    flex-direction: column;
    gap: var(--space-6);
}

.process-step {
    display: flex;
    gap: var(--space-4);
    align-items: center;
}

.step-number {
    width: 40px;
    height: 40px;
    background: var(--primary);
    color: var(--text-white);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    flex-shrink: 0;
}

.step-content h5 {
    font-weight: 600;
    margin-bottom: var(--space-1);
    color: var(--text-white);
}

.step-content p {
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.5;
}

/* Contact Section */
.contact {
    padding: var(--space-24) 0;
    background: var(--bg-primary);
}

.contact-header {
    text-align: center;
    margin-bottom: var(--space-16);
}

.contact-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: var(--space-8);
}

.contact-method {
    background: var(--bg-secondary);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-2xl);
    padding: var(--space-10);
    text-align: center;
    transition: var(--transition-normal);
}

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

.contact-icon {
    width: 80px;
    height: 80px;
    background: var(--primary-100);
    color: var(--primary);
    border-radius: var(--radius-full);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-6);
}

.contact-method h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: var(--space-4);
}

.contact-primary {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: var(--space-3);
}

.contact-details {
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: var(--space-4);
}

.contact-highlight {
    display: inline-block;
    padding: var(--space-2) var(--space-4);
    background: var(--primary-50);
    color: var(--primary-800);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
}

/* Footer */
.footer {
    background: var(--bg-dark);
    color: var(--text-white);
    padding: var(--space-16) 0 var(--space-8);
}

.footer-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-4);
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 3fr;
    gap: var(--space-16);
    margin-bottom: var(--space-12);
}

.footer-brand {
    max-width: 350px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    margin-bottom: var(--space-6);
    font-size: 1.5rem;
    font-weight: 700;
}

.footer-description {
    color: var(--gray-400);
    line-height: 1.7;
    margin-bottom: var(--space-6);
}

.footer-contact {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
}

.footer-contact a {
    color: var(--text-white);
    text-decoration: none;
    transition: var(--transition-normal);
    font-weight: 500;
}

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

.footer-links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-8);
}

.footer-column h4 {
    font-size: 1.125rem;
    font-weight: 700;
    margin-bottom: var(--space-4);
    color: var(--text-white);
}

.footer-column ul {
    list-style: none;
}

.footer-column li {
    margin-bottom: var(--space-2);
}

.footer-column a {
    color: var(--gray-400);
    text-decoration: none;
    transition: var(--transition-normal);
}

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

.footer-bottom {
    padding-top: var(--space-8);
    border-top: 1px solid var(--gray-800);
    text-align: center;
    color: var(--gray-500);
}

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

.animate-in {
    animation: fadeInUp 0.6s ease-out;
}

/* Responsive Design */
@media (max-width: 1024px) {
    .hero-content,
    .about-content,
    .application-form-container {
        grid-template-columns: 1fr;
        gap: var(--space-12);
        text-align: center;
    }
    
    .stats-bar {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--space-6);
    }
    
    .footer-content {
        grid-template-columns: 1fr;
        gap: var(--space-12);
        text-align: center;
    }
    
    .footer-links {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .nav-menu {
        position: fixed;
        top: 70px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 70px);
        background: rgba(255, 255, 255, 0.98);
        backdrop-filter: blur(20px);
        flex-direction: column;
        justify-content: flex-start;
        padding: var(--space-12) var(--space-4);
        gap: var(--space-6);
        transition: var(--transition-normal);
        box-shadow: var(--shadow-xl);
    }
    
    .nav-menu.active {
        left: 0;
    }
    
    .menu-toggle {
        display: flex;
    }
    
    .menu-toggle.active span:nth-child(1) {
        transform: rotate(45deg) translate(5px, 5px);
    }
    
    .menu-toggle.active span:nth-child(2) {
        opacity: 0;
    }
    
    .menu-toggle.active span:nth-child(3) {
        transform: rotate(-45deg) translate(7px, -6px);
    }
    
    .hero-cta {
        flex-direction: column;
        align-items: center;
    }
    
    .stats-bar {
        grid-template-columns: 1fr;
        gap: var(--space-4);
    }
    
    .benefits-grid,
    .cards-comparison,
    .contact-grid {
        grid-template-columns: 1fr;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .about-stats {
        grid-template-columns: 1fr;
        gap: var(--space-4);
    }
    
    .footer-links {
        grid-template-columns: 1fr;
    }
    
    .call-button .call-text {
        display: none;
    }
}

@media (max-width: 480px) {
    .section-container {
        padding: 0 var(--space-3);
    }
    
    .hero {
        padding: calc(70px + var(--space-12)) 0 var(--space-12);
    }
    
    .credit-card {
        width: 280px;
        height: 180px;
        padding: var(--space-4);
    }
    
    .comparison-card {
        width: 250px;
        height: 160px;
        padding: var(--space-4);
    }
    
    .savings-indicator {
        position: static;
        margin-top: var(--space-6);
    }
}

/* Print Styles */
@media print {
    .menu-toggle,
    .nav-actions,
    .hero-visual,
    .savings-indicator {
        display: none;
    }
    
    body {
        background: white !important;
        color: black !important;
    }
    
    .section-title,
    .hero-title {
        color: black !important;
    }
}

/* Accessibility */
@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
}

/* Focus Styles */
button:focus,
input:focus,
select:focus,
textarea:focus,
a:focus {
    outline: 3px solid var(--primary);
    outline-offset: 2px;
}

/* High Contrast Mode */
@media (prefers-contrast: high) {
    :root {
        --primary: #006600;
        --accent: #CC6600;
        --text-primary: #000000;
        --gray-300: #666666;
    }
}