:root {
    /* Modern Blue Color Palette */
    --primary: #2563eb;
    --primary-dark: #1e40af;
    --primary-light: #60a5fa;
    --primary-lighter: #dbeafe;
    --accent: #0ea5e9;
    --accent-light: #38bdf8;
    
    --text-main: #0f172a;
    --text-secondary: #475569;
    --text-muted: #94a3b8;
    --bg-main: #ffffff;
    --bg-light: #f8fafc;
    --bg-card: #ffffff;
    --success: #10b981;
    --warning: #f59e0b;
    --error: #ef4444;
    
    /* Gradients */
    --gradient-primary: linear-gradient(135deg, #2563eb 0%, #0ea5e9 100%);
    --gradient-accent: linear-gradient(135deg, #60a5fa 0%, #0ea5e9 100%);
    --gradient-success: linear-gradient(135deg, #3b82f6 0%, #06b6d4 100%);
    
    /* Shadows */
    --shadow-sm: 0 1px 2px 0 rgba(37, 99, 235, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(37, 99, 235, 0.1);
    --shadow-lg: 0 10px 15px -3px rgba(37, 99, 235, 0.1);
    --shadow-xl: 0 20px 25px -5px rgba(37, 99, 235, 0.15);
    --shadow-2xl: 0 25px 50px -12px rgba(37, 99, 235, 0.25);
    
    /* Spacing */
    --header-height: 80px;
    
    /* Border Radius */
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;
}

/* RESET & BASE STYLES */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    font-family: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    scroll-behavior: smooth;
    color: var(--text-main);
}

body {
    background-color: var(--bg-light);
    line-height: 1.6;
    overflow-x: hidden;
}

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

/* NAVIGATION */
.header {
    height: var(--header-height);
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid rgba(37, 99, 235, 0.1);
    transition: all 0.3s ease;
    box-shadow: 0 1px 3px rgba(37, 99, 235, 0.05);
}

.nav-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
    height: var(--header-height);
}

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

.logo img {
    height: 67px;
    display: block;
    transition: transform 0.3s ease;
}

.logo:hover img {
    transform: scale(1.05);
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 40px;
    align-items: center;
    margin: 0;
}

.nav-links a {
    text-decoration: none;
    color: var(--text-main);
    font-weight: 500;
    font-size: 15px;
    transition: all 0.3s ease;
    position: relative;
}

.nav-links a:not(.btn):hover {
    color: var(--primary);
}

.nav-links a:not(.btn)::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--primary);
    transition: width 0.3s ease;
}

.nav-links a:not(.btn):hover::after {
    width: 100%;
}

.btn-nav {
    padding: 10px 24px !important;
    font-size: 14px !important;
}

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 5px;
}

.hamburger span {
    display: block;
    width: 28px;
    height: 3px;
    background: var(--text-main);
    border-radius: 3px;
    transition: all 0.3s ease;
}

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

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

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

/* BUTTONS */
.btn {
    padding: 14px 32px;
    border-radius: var(--radius-full);
    font-weight: 600;
    font-size: 16px;
    text-decoration: none;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    cursor: pointer;
    border: none;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    justify-content: center;
    font-family: 'DM Sans', sans-serif;
    position: relative;
    overflow: hidden;
}

.btn::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 0;
    height: 0;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.3);
    transform: translate(-50%, -50%);
    transition: width 0.6s, height 0.6s;
}

.btn:hover::before {
    width: 300px;
    height: 300px;
}

.btn-primary {
    background: var(--gradient-primary);
    color: white;
    box-shadow: 0 10px 25px -5px rgba(37, 99, 235, 0.4);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 15px 30px -5px rgba(37, 99, 235, 0.5);
}

.btn-secondary {
    background: white;
    color: var(--text-main);
    border: 2px solid #e2e8f0;
    box-shadow: var(--shadow-sm);
}

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

.btn-full {
    width: 100%;
    padding: 18px 32px;
    font-size: 18px;
}

/* HERO SECTION */
.hero {
    min-height: calc(100vh - var(--header-height));
    display: flex;
    align-items: center;
    position: relative;
    overflow: hidden;
    padding: 80px 0;
    background: linear-gradient(to bottom right, #f0f9ff 0%, #ffffff 50%, #f0f9ff 100%);
}

.hero-bg-shapes {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    pointer-events: none;
    overflow: hidden;
}

.shape {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: 0.4;
    animation: float-shape 20s ease-in-out infinite;
}

.shape-1 {
    width: 500px;
    height: 500px;
    background: linear-gradient(135deg, #2563eb 0%, #0ea5e9 100%);
    top: -10%;
    right: -10%;
    animation-delay: 0s;
}

.shape-2 {
    width: 400px;
    height: 400px;
    background: linear-gradient(135deg, #60a5fa 0%, #3b82f6 100%);
    bottom: -5%;
    left: -5%;
    animation-delay: 7s;
}

.shape-3 {
    width: 350px;
    height: 350px;
    background: linear-gradient(135deg, #0ea5e9 0%, #06b6d4 100%);
    top: 50%;
    left: 50%;
    animation-delay: 14s;
}

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

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

#hero-text-container {
    transition: opacity 0.5s ease;
}

.hero-text h1 {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(2.5rem, 5vw, 4.5rem);
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 24px;
    animation: slideInLeft 0.8s ease-out;
}

@keyframes slideInLeft {
    from {
        opacity: 0;
        transform: translateX(-30px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

.text-gradient {
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    animation: gradient-shift 3s ease infinite;
}

@keyframes gradient-shift {
    0%, 100% {
        filter: hue-rotate(0deg);
    }
    50% {
        filter: hue-rotate(10deg);
    }
}

.subtitle {
    font-size: 1.125rem;
    color: var(--text-secondary);
    margin-bottom: 32px;
    max-width: 540px;
    line-height: 1.7;
    animation: fadeIn 1s ease-out;
}

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

.hero-btns {
    display: flex;
    gap: 16px;
    margin-bottom: 48px;
    flex-wrap: wrap;
    animation: slideInUp 1s ease-out;
}

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

/* Hero Stats */
.hero-stats-mini {
    display: flex;
    align-items: center;
    gap: 32px;
    animation: fadeIn 1.2s ease-out;
}

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

.stat-value {
    font-family: 'Outfit', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    line-height: 1;
    margin-bottom: 4px;
}

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

.stat-divider {
    width: 1px;
    height: 40px;
    background: linear-gradient(180deg, transparent, var(--primary-light), transparent);
}

/* Hero Visual */
.hero-visual {
    position: relative;
    animation: float 3s ease-in-out infinite;
}

@keyframes float {
    0%, 100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-20px);
    }
}

.lottie-container {
    width: 100%;
    height: 500px;
    position: relative;
}

.badge-approved {
    position: absolute;
    bottom: 20px;
    left: 50%;
    transform: translateX(-50%);
    background: white;
    padding: 16px 24px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-2xl);
    display: flex;
    align-items: center;
    gap: 12px;
    animation: slideInRight 1s ease-out;
    border: 1px solid rgba(37, 99, 235, 0.1);
}

@keyframes slideInRight {
    from {
        opacity: 0;
        transform: translateX(-50%) translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateX(-50%) translateY(0);
    }
}

.badge-title {
    font-weight: 700;
    font-size: 1.125rem;
    color: var(--text-main);
}

/* Slider Dots */
.slider-dots {
    display: flex;
    justify-content: center;
    gap: 12px;
    margin-top: 48px;
}

.dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: #cbd5e1;
    cursor: pointer;
    transition: all 0.3s ease;
    border: 2px solid transparent;
}

.dot.active {
    background: var(--primary);
    transform: scale(1.2);
    border-color: var(--primary-light);
}

.dot:hover {
    background: var(--primary-light);
}

/* LEAD FORM SECTION */
.lead-section {
    padding: 80px 0 120px;
    position: relative;
}

.form-card {
    background: var(--bg-card);
    padding: 56px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-2xl);
    margin-top: -60px;
    position: relative;
    z-index: 10;
    border: 1px solid rgba(37, 99, 235, 0.1);
    animation: scaleIn 0.6s ease-out;
}

@keyframes scaleIn {
    from {
        opacity: 0;
        transform: scale(0.95);
    }
    to {
        opacity: 1;
        transform: scale(1);
    }
}

.form-header {
    text-align: center;
    margin-bottom: 40px;
}

.form-header h2 {
    font-family: 'Outfit', sans-serif;
    font-size: 2.25rem;
    font-weight: 700;
    margin-bottom: 12px;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

.form-header p {
    color: var(--text-muted);
    font-size: 1rem;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-bottom: 32px;
}

.input-group label {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 10px;
    font-weight: 600;
    font-size: 14px;
    color: var(--text-main);
}

.input-group label i {
    color: var(--primary);
    font-size: 16px;
}

.input-group input,
.input-group select {
    width: 100%;
    padding: 16px 20px;
    border: 2px solid #e2e8f0;
    border-radius: var(--radius-md);
    background: #f8fafc;
    font-size: 16px;
    font-family: 'DM Sans', sans-serif;
    transition: all 0.3s ease;
    color: var(--text-main);
}

.input-group input:focus,
.input-group select:focus {
    outline: none;
    border-color: var(--primary);
    background: white;
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
    transform: translateY(-2px);
}

.input-group input::placeholder {
    color: var(--text-muted);
}

/* SECTIONS */
section {
    padding: 100px 0;
}

.section-header {
    text-align: center;
    margin-bottom: 64px;
}

.section-header h2 {
    font-family: 'Outfit', sans-serif;
    font-size: 2.75rem;
    font-weight: 800;
    margin-bottom: 16px;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

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

/* FEATURES */
.features {
    background: white;
}

.feature-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.feature-card {
    padding: 40px;
    background: var(--bg-light);
    border-radius: var(--radius-lg);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    border: 1px solid transparent;
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-primary);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.feature-card:hover {
    background: white;
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: rgba(37, 99, 235, 0.2);
}

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

.feature-icon {
    width: 64px;
    height: 64px;
    background: var(--gradient-primary);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    font-size: 28px;
    color: white;
    transition: all 0.4s ease;
}

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

.feature-card h3 {
    font-family: 'Outfit', sans-serif;
    font-size: 1.375rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--text-main);
}

.feature-card p {
    color: var(--text-secondary);
    line-height: 1.7;
}

/* STATS SECTION */
.stats-section {
    background: var(--gradient-primary);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}

.stats-section::before,
.stats-section::after {
    content: '';
    position: absolute;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.1);
    filter: blur(80px);
}

.stats-section::before {
    top: -200px;
    left: -100px;
}

.stats-section::after {
    bottom: -200px;
    right: -100px;
}

.stats-wrapper {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 48px;
    position: relative;
    z-index: 1;
}

.stat-card {
    text-align: center;
    padding: 40px;
    background: rgba(255, 255, 255, 0.15);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-lg);
    border: 1px solid rgba(255, 255, 255, 0.2);
    transition: all 0.4s ease;
}

.stat-card:hover {
    transform: translateY(-8px);
    background: rgba(255, 255, 255, 0.25);
}

.stat-icon {
    font-size: 3rem;
    color: white;
    margin-bottom: 20px;
    opacity: 0.9;
}

.stat-number {
    font-family: 'Outfit', sans-serif;
    font-size: 3.5rem;
    font-weight: 800;
    color: white;
    line-height: 1;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 4px;
}

.stat-number .suffix {
    font-size: 2rem;
}

.stat-text {
    font-size: 1.125rem;
    color: rgba(255, 255, 255, 0.9);
    font-weight: 500;
}

/* HOW IT WORKS - FIXED LAYOUT */
.how-it-works {
    background: var(--bg-light);
}

/* NEW: Fixed grid for 4 cards in one row */
.steps-grid-fixed {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    align-items: stretch;
}

.step-card {
    background: white;
    padding: 40px 32px;
    border-radius: var(--radius-lg);
    text-align: center;
    position: relative;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    border: 2px solid transparent;
    box-shadow: var(--shadow-md);
}

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

.step-number {
    position: absolute;
    top: -16px;
    left: 50%;
    transform: translateX(-50%);
    width: 40px;
    height: 40px;
    background: var(--gradient-primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: 700;
    font-size: 1.125rem;
    box-shadow: 0 4px 12px rgba(37, 99, 235, 0.4);
}

.step-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 24px;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.1), rgba(14, 165, 233, 0.1));
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: var(--primary);
    transition: all 0.4s ease;
}

.step-card:hover .step-icon {
    transform: scale(1.1) rotate(5deg);
    background: var(--gradient-primary);
    color: white;
}

.step-card h3 {
    font-family: 'Outfit', sans-serif;
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--text-main);
}

.step-card p {
    color: var(--text-secondary);
    line-height: 1.7;
    font-size: 0.9375rem;
}

/* TESTIMONIALS */
.testimonials {
    background: linear-gradient(to bottom, #ffffff, #f0f9ff);
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.testimonials-bg-decoration {
    position: absolute;
    inset: 0;
    opacity: 0.05;
    pointer-events: none;
}

.testimonials-shape-1 {
    position: absolute;
    top: 20%;
    left: 10%;
    width: 300px;
    height: 300px;
    background: linear-gradient(135deg, #2563eb, #0ea5e9);
    border-radius: 50%;
    filter: blur(80px);
    animation: float 8s ease-in-out infinite;
}

.testimonials-shape-2 {
    position: absolute;
    bottom: 20%;
    right: 10%;
    width: 350px;
    height: 350px;
    background: linear-gradient(135deg, #60a5fa, #0ea5e9);
    border-radius: 50%;
    filter: blur(80px);
    animation: float 10s ease-in-out infinite reverse;
}

@keyframes float {
    0%, 100% { transform: translateY(0px); }
    50% { transform: translateY(20px); }
}

.testimonials-header {
    text-align: center;
    margin-bottom: 60px;
    position: relative;
    z-index: 10;
    animation: slideUp 0.8s ease-out;
}

.testimonials-title {
    font-size: 3rem;
    font-weight: 800;
    color: var(--text-main);
    margin-bottom: 20px;
    letter-spacing: -0.02em;
}

.testimonials-subtitle {
    font-size: 1.125rem;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
    line-height: 1.7;
}

.testimonials-nav {
    display: flex;
    justify-content: center;
    gap: 12px;
    margin-bottom: 40px;
    position: relative;
    z-index: 20;
}

.testimonials-btn {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: white;
    border: 2px solid #e2e8f0;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.3s ease;
    color: var(--text-secondary);
    font-size: 1.25rem;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.testimonials-btn:hover:not(:disabled) {
    background: #dbeafe;
    border-color: var(--primary);
    color: var(--primary);
    transform: scale(1.1);
    box-shadow: 0 4px 12px rgba(37, 99, 235, 0.2);
}

.testimonials-btn:disabled {
    opacity: 0.3;
    cursor: not-allowed;
}

.testimonials-scroll-wrapper {
    position: relative;
    margin: 0 -40px;
    padding: 20px 40px;
}

.testimonials-scroll-gradient {
    position: absolute;
    top: 0;
    height: 100%;
    width: 80px;
    pointer-events: none;
    z-index: 15;
}

.testimonials-scroll-gradient-left {
    left: 0;
    background: linear-gradient(to right, rgba(255, 255, 255, 1), rgba(255, 255, 255, 0));
}

.testimonials-scroll-gradient-right {
    right: 0;
    background: linear-gradient(to left, rgba(248, 250, 252, 1), rgba(248, 250, 252, 0));
}

.testimonials-carousel {
    display: flex;
    gap: 24px;
    overflow-x: auto;
    scroll-behavior: smooth;
    padding: 20px 0;
    /* Hide scrollbar */
    -ms-overflow-style: none;
    scrollbar-width: none;
}

.testimonials-carousel::-webkit-scrollbar {
    display: none;
}

.testimonials-card {
    flex: 0 0 calc(33.333% - 16px);
    background: white;
    border: 2px solid #bfdbfe;
    border-radius: 28px;
    padding: 32px;
    position: relative;
    overflow: hidden;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 8px 24px rgba(37, 99, 235, 0.1);
}

@media (max-width: 1200px) {
    .testimonials-card {
        flex: 0 0 calc(50% - 12px);
    }
}

@media (max-width: 768px) {
    .testimonials-card {
        flex: 0 0 calc(80% - 12px);
    }
}

@media (max-width: 480px) {
    .testimonials-card {
        flex: 0 0 100%;
    }
}

.testimonials-card:hover {
    transform: translateY(-12px) scale(1.02);
    border-color: var(--primary);
    box-shadow: 0 20px 40px rgba(37, 99, 235, 0.15);
}

.card-top-border {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 6px;
    background: linear-gradient(to right, #2563eb, #60a5fa);
    border-radius: 28px 28px 0 0;
}

.card-bg-decoration {
    position: absolute;
    top: 0;
    right: 0;
    width: 150px;
    height: 150px;
    background: linear-gradient(135deg, #dbeafe, #bfdbfe);
    border-radius: 50%;
    filter: blur(40px);
    opacity: 0;
    transition: all 0.4s ease;
}

.testimonials-card:hover .card-bg-decoration {
    opacity: 0.6;
}

.card-quote-icon {
    position: absolute;
    top: 20px;
    right: 24px;
    color: var(--primary);
    opacity: 0.15;
    font-size: 4rem;
    line-height: 1;
}

.card-content {
    position: relative;
    z-index: 10;
}

.card-header {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 24px;
}

.card-avatar-wrapper {
    position: relative;
    flex-shrink: 0;
}

.card-avatar {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: 700;
    font-size: 1.5rem;
    box-shadow: 0 8px 20px rgba(37, 99, 235, 0.3);
    border: 3px solid white;
    overflow: hidden;
}

.card-avatar img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    border-radius: 50%;
}

.card-avatar .avatar-initials {
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.5rem;
    color: white;
}

/* hide initials when image is present */
.card-avatar img + .avatar-initials {
    display: none;
}

.card-badge-verified {
    position: absolute;
    bottom: 0;
    right: 0;
    width: 28px;
    height: 28px;
    background: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    border: 3px solid white;
    box-shadow: 0 2px 8px rgba(37, 99, 235, 0.3);
}

.card-badge-verified i {
    width: 16px;
    height: 16px;
}

.card-author-info {
    flex: 1;
    padding-top: 4px;
}

.card-author-name {
    font-weight: 700;
    font-size: 1.125rem;
    color: var(--text-main);
    margin-bottom: 4px;
}

.card-author-role {
    font-size: 0.9375rem;
    color: var(--text-secondary);
    margin-bottom: 2px;
    font-weight: 500;
}

.card-author-location {
    font-size: 0.8125rem;
    color: var(--text-muted);
}

.card-rating {
    display: flex;
    align-items: center;
    gap: 6px;
    margin-bottom: 24px;
    font-size: 1.25rem;
}

.card-rating i,
.card-rating svg {
    color: #fbbf24;
    width: 24px;
    height: 24px;
    fill: currentColor;
    stroke: currentColor;
}

.card-rating svg [fill="none"] {
    fill: currentColor !important;
    stroke: currentColor !important;
}

.rating-text {
    font-size: 0.9375rem;
    color: var(--text-muted);
    margin-left: 8px;
    font-weight: 600;
}

.card-savings {
    background: linear-gradient(135deg, rgba(219, 234, 254, 0.8), rgba(191, 219, 254, 0.8));
    padding: 20px;
    border-radius: 16px;
    margin-bottom: 24px;
    border: 1px solid rgba(37, 99, 235, 0.1);
}

.savings-amount {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 6px;
    letter-spacing: -0.01em;
}

.savings-label {
    font-size: 0.9375rem;
    color: var(--text-secondary);
    font-weight: 500;
}

.card-text {
    font-size: 1rem;
    line-height: 1.8;
    color: var(--text-secondary);
    margin-bottom: 24px;
    font-style: italic;
}

.card-badge {
    display: inline-flex;
    align-items: center;
    padding: 10px 20px;
    background: linear-gradient(135deg, rgba(219, 234, 254, 0.9), rgba(191, 219, 254, 0.9));
    color: var(--primary);
    border-radius: 28px;
    font-size: 0.9375rem;
    font-weight: 600;
    border: 1.5px solid rgba(37, 99, 235, 0.2);
    transition: all 0.3s ease;
    cursor: default;
}

.testimonials-card:hover .card-badge {
    transform: scale(1.08);
    box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
    border-color: rgba(37, 99, 235, 0.4);
}

.card-bottom-accent {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(to right, var(--primary), var(--accent));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.testimonials-card:hover .card-bottom-accent {
    transform: scaleX(1);
}

@keyframes slideUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Responsive */
@media (max-width: 768px) {
    .testimonials {
        padding: 60px 0;
    }

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

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

    .testimonials-header {
        margin-bottom: 40px;
    }

    .testimonials-card {
        padding: 24px;
    }

    .card-header {
        margin-bottom: 16px;
    }
}

/* FOOTER */
.footer {
    background: var(--text-main);
    color: white;
    padding: 80px 0 32px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 64px;
    margin-bottom: 48px;
}

.footer-logo img {
    height: 48px;
    margin-bottom: 20px;
}

.footer-desc {
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.7;
    max-width: 360px;
}

.footer-col h4 {
    font-family: 'Outfit', sans-serif;
    font-size: 1.125rem;
    font-weight: 700;
    margin-bottom: 20px;
    color: white;
}

.footer-links {
    list-style: none;
}

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

.footer-links a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: all 0.3s ease;
    display: inline-block;
}

.footer-links a:hover {
    color: white;
    transform: translateX(4px);
}

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

/* RESPONSIVE */
@media (max-width: 1024px) {
    .hero-text h1 {
        font-size: 3rem;
    }
    
    .feature-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    /* 2 cards per row on tablet */
    .steps-grid-fixed {
        grid-template-columns: repeat(2, 1fr);
        gap: 32px;
    }
}

@media (max-width: 768px) {
    /* Navigation */
    .nav-links {
        display: none;
        position: absolute;
        top: var(--header-height);
        left: 0;
        width: 100%;
        background: white;
        padding: 24px;
        flex-direction: column;
        gap: 20px;
        box-shadow: var(--shadow-xl);
        border-radius: 0 0 var(--radius-lg) var(--radius-lg);
    }
    
    .nav-links.show {
        display: flex;
    }
    
    .hamburger {
        display: flex;
    }
    
    /* Hero */
    .hero {
        padding: 60px 0;
    }
    
    .hero-grid {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 40px;
    }
    
    .hero-text {
        order: 2;
    }
    
    .hero-visual {
        order: 1;
    }
    
    .lottie-container {
        height: 350px;
    }
    
    .badge-approved {
        position: static;
        margin: 20px auto 0;
        max-width: 280px;
        transform: translateX(0);
    }
    
    .hero-text h1 {
        font-size: 2.25rem;
    }
    
    .subtitle {
        max-width: 100%;
    }
    
    .hero-btns,
    .hero-stats-mini,
    .slider-dots {
        justify-content: center;
    }
    
    .hero-stats-mini {
        flex-wrap: wrap;
        gap: 20px;
    }
    
    /* Form */
    .form-card {
        padding: 40px 24px;
        margin-top: 0;
    }
    
    .form-grid {
        grid-template-columns: 1fr;
    }
    
    /* Sections */
    section {
        padding: 60px 0;
    }
    
    .section-header h2 {
        font-size: 2rem;
    }
    
    .feature-grid,
    .testimonial-grid,
    .footer-grid,
    .stats-wrapper {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    /* 1 card per row on mobile */
    .steps-grid-fixed {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .stats-wrapper {
        gap: 32px;
    }
}

/* Utilities */
.text-center {
    text-align: center;
}

.mt-auto {
    margin-top: auto;
}


/* DROPDOWN MENU STYLES */
.nav-dropdown {
    position: relative;
}

.nav-link-with-arrow {
    display: flex;
    align-items: center;
    gap: 6px;
}

.dropdown-arrow {
    width: 16px;
    height: 16px;
    transition: transform 0.3s ease;
}

.nav-dropdown:hover .dropdown-arrow {
    transform: rotate(180deg);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    width: 220px;
    background: white;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-2xl);
    padding: 12px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    z-index: 1000;
    border: 1px solid rgba(37, 99, 235, 0.1);
}

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

.dropdown-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 16px;
    border-radius: var(--radius-sm);
    text-decoration: none;
    color: var(--text-main);
    font-weight: 500;
    font-size: 14px;
    transition: all 0.2s ease;
    border: 1px solid transparent;
}

.dropdown-item:hover {
    background: var(--primary-lighter);
    color: var(--primary);
    border-color: rgba(37, 99, 235, 0.2);
    transform: translateX(4px);
}

.dropdown-item i {
    width: 18px;
    height: 18px;
    color: var(--primary);
}

/* Mobile Dropdown Styles */
@media (max-width: 768px) {
    .nav-dropdown {
        width: 100%;
    }
    
    .nav-link-with-arrow {
        justify-content: space-between;
        width: 100%;
    }
    
    .dropdown-menu {
        position: static;
        width: 100%;
        box-shadow: none;
        background: var(--bg-light);
        margin-top: 8px;
        border-radius: var(--radius-sm);
        opacity: 1;
        visibility: visible;
        transform: none;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.3s ease;
        padding: 0 12px;
    }
    
    .nav-dropdown.active .dropdown-menu {
        max-height: 200px;
        padding: 12px;
    }
    
    .dropdown-arrow {
        transition: transform 0.3s ease;
    }
    
    .nav-dropdown.active .dropdown-arrow {
        transform: rotate(180deg);
    }
}