:root {
    --primary: #0A0A0A; /* Deep Black */
    --secondary: #2563EB; /* Trust Blue */
    --accent: #10B981; /* Finance Emerald Green */
    --text-main: #1F2937;
    --text-light: #6B7280;
    --bg-light: #F3F4F6;
    --bg-card: #FFFFFF;
    --transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'Manrope', sans-serif; color: var(--text-main); background-color: var(--bg-light); line-height: 1.6; }
h1, h2, h3, h4 { font-family: 'Syne', sans-serif; color: var(--primary); font-weight: 700; }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.text-center { text-align: center; }

/* Buttons */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 10px;
    padding: 16px 32px; border-radius: 12px; font-weight: 600; font-family: 'Manrope', sans-serif;
    text-decoration: none; border: none; cursor: pointer; transition: var(--transition);
}
.btn-primary { background-color: var(--primary); color: #FFF; }
.btn-primary:hover { background-color: #2a2a2a; transform: translateY(-2px); }
.btn-secondary { background-color: var(--secondary); color: #FFF; }
.btn-secondary:hover { background-color: #1d4ed8; box-shadow: 0 10px 20px rgba(37,99,235,0.2); }
.btn-accent { background-color: var(--accent); color: #FFF; }
.btn-accent:hover { background-color: #059669; box-shadow: 0 10px 20px rgba(16,185,129,0.2); transform: translateY(-2px); }
.btn-full { width: 100%; }
.btn-sm { padding: 10px 20px; font-size: 0.9rem; border-radius: 8px; }

/* Header */
.navbar {
    background-color: rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(12px);
    position: fixed; top: 0; width: 100%; z-index: 1000; border-bottom: 1px solid rgba(0,0,0,0.05);
}
.nav-container { display: flex; justify-content: space-between; align-items: center; height: 85px; }
.logo { display: flex; align-items: center; gap: 12px; font-family: 'Syne', sans-serif; font-size: 1.5rem; font-weight: 800; color: var(--primary); }
.logo img { height: 40px; }
.nav-links a { text-decoration: none; color: var(--text-main); margin: 0 16px; font-weight: 500; transition: var(--transition); }
.nav-links a:hover { color: var(--secondary); }

/* Hero */
.hero {
    position: relative; padding: 200px 0 120px;
    background: linear-gradient(135deg, #0A0A0A 0%, #1e293b 100%);
    color: #FFF; text-align: center; overflow: hidden;
}
.hero-bg {
    position: absolute; top: -50%; left: -50%; width: 200%; height: 200%;
    background: radial-gradient(circle at center, rgba(37,99,235,0.15) 0%, transparent 50%); z-index: 1;
}
.hero-content { position: relative; z-index: 2; max-width: 850px; margin: 0 auto; }
.badge { background: rgba(255,255,255,0.1); padding: 8px 16px; border-radius: 20px; font-size: 0.85rem; font-weight: 600; letter-spacing: 1px; color: var(--accent); margin-bottom: 24px; display: inline-block; border: 1px solid rgba(16,185,129,0.3); }
.hero-title { font-size: 4rem; color: #FFF; margin-bottom: 24px; line-height: 1.1; letter-spacing: -1px; }
.hero-subtitle { font-size: 1.2rem; color: #9CA3AF; margin-bottom: 40px; max-width: 700px; margin-inline: auto; }

/* Sections */
section { padding: 100px 0; }
.section-header { text-align: center; margin-bottom: 60px; }
.section-header h2 { font-size: 2.5rem; margin-bottom: 16px; letter-spacing: -0.5px; }
.section-header p { color: var(--text-light); font-size: 1.1rem; }

/* Timeline (Process) */
.timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; position: relative; }
.timeline::before { content: ''; position: absolute; top: 40px; left: 10%; right: 10%; height: 2px; background: #E5E7EB; z-index: 1; }
.timeline-item { text-align: center; position: relative; z-index: 2; background: var(--bg-light); padding: 20px; border-radius: 16px; }
.timeline-icon { width: 80px; height: 80px; background: var(--bg-card); border: 2px solid var(--secondary); border-radius: 50%; margin: 0 auto 24px; display: flex; align-items: center; justify-content: center; font-size: 1.8rem; color: var(--secondary); box-shadow: 0 10px 25px rgba(37,99,235,0.1); }
.timeline-item h3 { margin-bottom: 12px; font-size: 1.3rem; }

/* Grids & Images */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-image-wrapper, .features-image-wrapper { position: relative; width: 100%; }
.about-image-wrapper img, .features-image-wrapper img { width: 100%; height: auto; border-radius: 24px; box-shadow: 0 20px 50px rgba(0,0,0,0.1); display: block; }
.img-placeholder { width: 100%; height: 500px; background: #E5E7EB; border-radius: 24px; display: flex; align-items: center; justify-content: center; color: var(--text-light); font-family: monospace; }
.about-text h2, .features-content h2 { font-size: 2.5rem; margin-bottom: 24px; }
.about-text p { margin-bottom: 20px; font-size: 1.1rem; color: var(--text-light); }
.features-wrapper { display: flex; align-items: center; gap: 60px; }
.features-content { width: 50%; }
.features-image-wrapper { width: 50%; order: -1; }
.feature-list { list-style: none; margin-top: 30px; }
.feature-list li { margin-bottom: 20px; display: flex; gap: 16px; align-items: flex-start; font-size: 1.05rem; }
.feature-list i { color: var(--accent); margin-top: 5px; font-size: 1.2rem; }

/* FAQ Accordion */
.accordion { max-width: 800px; margin: 0 auto; }
details { background: var(--bg-card); margin-bottom: 16px; border-radius: 16px; border: 1px solid #E5E7EB; overflow: hidden; transition: var(--transition); }
details:hover { border-color: var(--secondary); }
summary { padding: 24px; font-weight: 600; font-family: 'Syne', sans-serif; font-size: 1.1rem; cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; color: var(--primary); }
summary::-webkit-details-marker { display: none; }
summary::after { content: '\f067'; font-family: 'Font Awesome 6 Free'; font-weight: 900; color: var(--secondary); transition: var(--transition); }
details[open] summary::after { transform: rotate(45deg); }
.details-content { padding: 0 24px 24px; color: var(--text-light); line-height: 1.7; }

/* Interactive Form / Calculator */
.calculator-section { background-color: var(--primary); }
.form-container { max-width: 700px; }
.form-wrapper { background: var(--bg-card); padding: 50px; border-radius: 24px; box-shadow: 0 25px 50px rgba(0,0,0,0.15); position: relative; overflow: hidden; min-height: 450px; }
.form-header h2 { color: var(--primary); margin-bottom: 10px; }
.progress-bar { width: 100%; height: 6px; background: #E5E7EB; border-radius: 3px; margin: 30px 0; overflow: hidden; }
.progress-fill { height: 100%; background: var(--accent); width: 20%; transition: width 0.5s ease; }
.form-step { display: none; opacity: 0; transform: translateX(20px); transition: all 0.4s ease; }
.form-step.active { display: block; opacity: 1; transform: translateX(0); }
.form-step h3 { margin-bottom: 24px; font-size: 1.4rem; text-align: center; }
.options-grid { display: grid; gap: 16px; }
.opt-btn { padding: 18px; border: 2px solid #E5E7EB; background: #FFF; border-radius: 12px; font-size: 1.1rem; font-family: 'Manrope', sans-serif; font-weight: 600; cursor: pointer; transition: var(--transition); color: var(--primary); }
.opt-btn:hover { border-color: var(--secondary); background: rgba(37,99,235,0.05); color: var(--secondary); transform: translateY(-2px); }

.loading-icon { font-size: 4rem; color: var(--secondary); margin: 30px 0; }
.result-box { background: rgba(16,185,129,0.1); border: 2px dashed var(--accent); padding: 24px; border-radius: 16px; text-align: center; margin-bottom: 30px; }
.result-box p { color: var(--text-light); font-weight: 600; margin-bottom: 5px; }
.result-box h3 { font-size: 2.5rem; color: var(--accent); margin: 0; }
.success-icon { font-size: 5rem; color: var(--accent); margin-bottom: 20px; }

/* Form Inputs */
.input-group-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.input-group { margin-bottom: 20px; }
.input-group label { display: block; margin-bottom: 8px; font-weight: 600; font-size: 0.9rem; color: var(--primary); }
.input-group input { width: 100%; padding: 16px; border: 1px solid #D1D5DB; border-radius: 10px; font-family: 'Manrope', sans-serif; font-size: 1rem; background: #F9FAFB; transition: var(--transition); }
.input-group input:focus { outline: none; border-color: var(--secondary); background: #FFF; box-shadow: 0 0 0 4px rgba(37,99,235,0.1); }
.checkbox-group { display: flex; gap: 12px; margin-bottom: 30px; font-size: 0.85rem; color: var(--text-light); align-items: flex-start; }
.checkbox-group input { margin-top: 4px; }
.checkbox-group a { color: var(--secondary); }

/* Footer */
footer { background: #050505; color: #FFF; padding: 60px 0 30px; text-align: center; }
.footer-logo { display: flex; align-items: center; justify-content: center; gap: 10px; margin-bottom: 30px; font-family: 'Syne', sans-serif; font-size: 1.5rem; font-weight: 700; }
.footer-links { margin-bottom: 30px; }
.footer-links a { color: #9CA3AF; text-decoration: none; margin: 0 16px; transition: var(--transition); font-weight: 500; }
.footer-links a:hover { color: var(--accent); }
.copyright { color: #4B5563; font-size: 0.9rem; }

/* Cookie Banner */
.cookie-banner { position: fixed; bottom: 0; left: 0; width: 100%; background: var(--bg-card); box-shadow: 0 -10px 30px rgba(0,0,0,0.1); padding: 24px 0; z-index: 9999; transform: translateY(100%); transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1); border-top: 1px solid #E5E7EB; }
.cookie-banner.show { transform: translateY(0); }
.cookie-content { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: flex; justify-content: space-between; align-items: center; gap: 30px; }
.cookie-content p { font-size: 0.95rem; margin: 0; color: var(--text-main); }
.cookie-buttons { display: flex; gap: 12px; flex-shrink: 0; }

/* Legal Pages */
.legal-page { padding-top: 140px; padding-bottom: 80px; }
.legal-container { background: var(--bg-card); padding: 60px; border-radius: 24px; box-shadow: 0 20px 50px rgba(0,0,0,0.05); }
.legal-container h1 { margin-bottom: 30px; font-size: 3rem; letter-spacing: -1px; }
.legal-container h2 { margin: 40px 0 16px; font-size: 1.8rem; }
.legal-container p, .legal-container ul { margin-bottom: 16px; color: var(--text-light); font-size: 1.1rem; }
.legal-container ul { margin-left: 24px; }
.back-link { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 30px; color: var(--secondary); text-decoration: none; font-weight: 600; }
.back-link:hover { transform: translateX(-5px); }
.map-container { margin-top: 40px; width: 100%; height: 400px; border-radius: 16px; overflow: hidden; }

/* Responsive */
@media (max-width: 900px) {
    .nav-links { display: none; }
    .hero-title { font-size: 2.8rem; }
    .timeline, .grid-2, .input-group-row { grid-template-columns: 1fr; }
    .timeline::before { display: none; }
    .features-wrapper { flex-direction: column; }
    .features-content, .features-image-wrapper { width: 100%; }
    .cookie-content { flex-direction: column; text-align: center; }
    .form-wrapper { padding: 30px 20px; }
    .legal-container { padding: 30px; }
}