/* ===== CSS VARIABLES ===== */
:root {
    --primary-color: #2563eb;
    --primary-dark: #1d4ed8;
    --primary-light: #3b82f6;
    --secondary-color: #10b981;
    --secondary-dark: #059669;
    --accent-color: #f59e0b;
    --text-dark: #1f2937;
    --text-medium: #4b5563;
    --text-light: #6b7280;
    --bg-white: #ffffff;
    --bg-light: #f9fafb;
    --bg-gray: #f3f4f6;
    --border-color: #e5e7eb;
    --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);
    --radius-sm: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --transition: all 0.3s ease;
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    color: var(--text-dark);
    line-height: 1.6;
    background-color: var(--bg-white);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

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

ul {
    list-style: none;
}

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

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.75rem 1.5rem;
    font-size: 1rem;
    font-weight: 600;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
}

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

.btn-primary:hover {
    background-color: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-secondary {
    background-color: var(--secondary-color);
    color: white;
}

.btn-secondary:hover {
    background-color: var(--secondary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-outline {
    background-color: transparent;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
}

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

.btn-large {
    padding: 1rem 2rem;
    font-size: 1.125rem;
}

.btn-full {
    width: 100%;
}

/* ===== HEADER ===== */
.header {
    background-color: var(--bg-white);
    box-shadow: var(--shadow-md);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.header-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1rem 0;
    gap: 1.5rem;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary-color);
    text-decoration: none;
}

.logo i {
    font-size: 1.5rem;
}

.nav {
    display: flex;
    gap: 1.5rem;
}

.nav-link {
    color: var(--text-medium);
    font-weight: 500;
    padding: 0.5rem 0;
    position: relative;
}

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

.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 2px;
    background-color: var(--primary-color);
}

.header-btn {
    padding: 0.5rem 1rem;
    font-size: 0.875rem;
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    font-size: 1.5rem;
    color: var(--text-dark);
    cursor: pointer;
}

.mobile-menu {
    display: none;
    flex-direction: column;
    padding: 1rem 0;
    background-color: var(--bg-white);
    border-top: 1px solid var(--border-color);
}

.mobile-menu.active {
    display: flex;
}

.mobile-nav-link {
    padding: 0.75rem 1.5rem;
    color: var(--text-medium);
    font-weight: 500;
    border-bottom: 1px solid var(--border-color);
}

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

/* ===== HERO SECTION ===== */
.hero {
    background: linear-gradient(135deg, #1e3a8a 0%, #2563eb 50%, #3b82f6 100%);
    color: white;
    padding: 4rem 0;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
}

.hero-title {
    font-size: 2.5rem;
    font-weight: 800;
    line-height: 1.2;
    margin-bottom: 1rem;
}

.hero-subtitle {
    font-size: 1.5rem;
    font-weight: 600;
    margin-bottom: 1rem;
}

.hero-description {
    font-size: 1.125rem;
    opacity: 0.9;
    margin-bottom: 2rem;
}

.hero-stats {
    display: flex;
    gap: 2rem;
    margin-top: 2rem;
}

.stat {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-size: 1.5rem;
    font-weight: 700;
}

.stat-label {
    font-size: 0.875rem;
    opacity: 0.8;
}

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

.hero-card {
    background-color: rgba(255, 255, 255, 0.15);
    backdrop-filter: blur(10px);
    border-radius: var(--radius-xl);
    padding: 2rem;
    text-align: center;
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.hero-card i {
    font-size: 4rem;
    margin-bottom: 1rem;
    display: block;
}

.hero-card span {
    font-size: 1.25rem;
    font-weight: 600;
}

/* ===== SECTION TITLES ===== */
.section-title {
    font-size: 2rem;
    font-weight: 700;
    text-align: center;
    margin-bottom: 1rem;
    color: var(--text-dark);
}

.section-subtitle {
    text-align: center;
    color: var(--text-light);
    font-size: 1.125rem;
    margin-bottom: 2rem;
}

/* ===== ADVANTAGES SECTION ===== */
.advantages {
    padding: 4rem 0;
    background-color: var(--bg-light);
}

.advantages-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1.5rem;
}

.advantage-card {
    background-color: var(--bg-white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    text-align: center;
}

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

.advantage-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    color: white;
    font-size: 1.5rem;
}

.advantage-card h3 {
    font-size: 1.25rem;
    margin-bottom: 0.5rem;
    color: var(--text-dark);
}

.advantage-card p {
    color: var(--text-light);
}

/* ===== CALCULATOR SECTION ===== */
.calculator-section {
    padding: 4rem 0;
    background-color: var(--bg-white);
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    background-color: var(--bg-light);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.calculator-form {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.form-group label {
    font-weight: 600;
    color: var(--text-dark);
}

.form-group input,
.form-group select,
.form-group textarea {
    padding: 0.75rem 1rem;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 1rem;
    transition: var(--transition);
    font-family: inherit;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.form-group small {
    color: var(--text-light);
    font-size: 0.875rem;
}

.calculator-result {
    background-color: var(--bg-white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.calculator-result h3 {
    margin-bottom: 1.5rem;
    color: var(--text-dark);
}

.result-item {
    display: flex;
    justify-content: space-between;
    padding: 0.75rem 0;
    border-bottom: 1px solid var(--border-color);
}

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

.result-value {
    font-weight: 700;
    color: var(--primary-color);
}

.result-value.savings {
    color: var(--secondary-color);
}

/* ===== TESTIMONIALS SECTION ===== */
.testimonials {
    padding: 4rem 0;
    background-color: var(--bg-light);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 1.5rem;
}

.testimonial-card {
    background-color: var(--bg-white);
    padding: 1.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.testimonial-header {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1rem;
}

.testimonial-avatar {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.25rem;
}

.testimonial-info h4 {
    font-size: 1rem;
    margin-bottom: 0.25rem;
}

.testimonial-rating {
    color: var(--accent-color);
    font-size: 0.875rem;
}

.testimonial-text {
    color: var(--text-medium);
    font-style: italic;
    margin-bottom: 1rem;
}

.testimonial-result {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--secondary-color);
    font-weight: 600;
    font-size: 0.875rem;
}

/* ===== APPLICATION SECTION ===== */
.application-section {
    padding: 4rem 0;
    background-color: var(--bg-white);
}

.application-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: start;
}

.application-info h2 {
    font-size: 2rem;
    margin-bottom: 1rem;
    color: var(--text-dark);
}

.application-info p {
    color: var(--text-medium);
    margin-bottom: 1.5rem;
}

.application-benefits {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.application-benefits li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--text-medium);
}

.application-benefits li i {
    color: var(--secondary-color);
}

.application-form {
    background-color: var(--bg-light);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.application-form h3 {
    margin-bottom: 1.5rem;
    color: var(--text-dark);
}

.application-form .form-group {
    margin-bottom: 1rem;
}

.application-form .form-group label i {
    margin-right: 0.5rem;
    color: var(--primary-color);
}

.form-note {
    text-align: center;
    color: var(--text-light);
    font-size: 0.875rem;
    margin-top: 1rem;
}

/* ===== PAGE HEADER ===== */
.page-header {
    background: linear-gradient(135deg, #1e3a8a 0%, #2563eb 50%, #3b82f6 100%);
    color: white;
    padding: 3rem 0;
    text-align: center;
}

.page-header h1 {
    font-size: 2.5rem;
    margin-bottom: 0.5rem;
}

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

/* ===== STEPS SECTION ===== */
.steps-section {
    padding: 4rem 0;
    background-color: var(--bg-light);
}

.steps-container {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 1rem;
}

.step-card {
    background-color: var(--bg-white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    display: grid;
    grid-template-columns: 60px 60px 1fr;
    gap: 1.5rem;
    align-items: start;
    width: 100%;
}

.step-number {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
    font-weight: 700;
}

.step-icon {
    width: 60px;
    height: 60px;
    background-color: var(--bg-light);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary-color);
    font-size: 1.5rem;
}

.step-content h3 {
    margin-bottom: 0.5rem;
    color: var(--text-dark);
}

.step-content p {
    color: var(--text-medium);
    margin-bottom: 0.75rem;
}

.step-content ul {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.step-content ul li {
    color: var(--text-light);
    font-size: 0.875rem;
    padding-left: 1.25rem;
    position: relative;
}

.step-content ul li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--secondary-color);
    font-weight: 600;
}

.step-arrow {
    color: var(--primary-color);
    font-size: 1.5rem;
}

.step-final {
    border: 2px solid var(--secondary-color);
}

/* ===== VIDEO SECTION ===== */
.video-section {
    padding: 4rem 0;
    background-color: var(--bg-white);
}

.video-wrapper {
    max-width: 800px;
    margin: 0 auto;
}

.video-placeholder {
    background: linear-gradient(135deg, #1e3a8a, #2563eb);
    border-radius: var(--radius-lg);
    aspect-ratio: 16 / 9;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    color: white;
    cursor: pointer;
    transition: var(--transition);
}

.video-placeholder:hover {
    transform: scale(1.02);
}

.video-play-btn {
    width: 80px;
    height: 80px;
    background-color: rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    margin-bottom: 1rem;
    transition: var(--transition);
}

.video-placeholder:hover .video-play-btn {
    background-color: rgba(255, 255, 255, 0.3);
    transform: scale(1.1);
}

/* ===== FAQ SECTION ===== */
.faq-section {
    padding: 4rem 0;
    background-color: var(--bg-light);
}

.faq-container {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.faq-item {
    background-color: var(--bg-white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1.5rem;
    cursor: pointer;
    transition: var(--transition);
}

.faq-question:hover {
    background-color: var(--bg-light);
}

.faq-question h3 {
    font-size: 1.125rem;
    color: var(--text-dark);
}

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

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

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

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

.faq-answer p {
    padding: 0 1.5rem 1.5rem;
    color: var(--text-medium);
}

/* ===== CTA SECTION ===== */
.cta-section {
    padding: 4rem 0;
    background: linear-gradient(135deg, #1e3a8a 0%, #2563eb 50%, #3b82f6 100%);
    color: white;
    text-align: center;
}

.cta-content h2 {
    font-size: 2rem;
    margin-bottom: 1rem;
}

.cta-content p {
    font-size: 1.125rem;
    opacity: 0.9;
    margin-bottom: 2rem;
}

/* ===== ABOUT CONTENT ===== */
.about-content {
    padding: 4rem 0;
    background-color: var(--bg-white);
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
}

.about-text h2 {
    font-size: 2rem;
    margin-bottom: 1rem;
    color: var(--text-dark);
}

.about-text p {
    color: var(--text-medium);
    margin-bottom: 1rem;
}

.about-stats {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    margin-top: 2rem;
}

.about-stat {
    text-align: center;
    padding: 1.5rem;
    background-color: var(--bg-light);
    border-radius: var(--radius-md);
}

.about-stat .stat-number {
    display: block;
    font-size: 2rem;
    font-weight: 700;
    color: var(--primary-color);
}

.about-stat .stat-label {
    color: var(--text-light);
    font-size: 0.875rem;
}

.about-image {
    display: flex;
    justify-content: center;
}

.about-card {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    color: white;
    padding: 3rem;
    border-radius: var(--radius-xl);
    text-align: center;
    box-shadow: var(--shadow-xl);
}

.about-card i {
    font-size: 4rem;
    margin-bottom: 1rem;
    display: block;
}

.about-card span {
    font-size: 1.25rem;
    font-weight: 600;
}

/* ===== PARTNERS SECTION ===== */
.partners-section {
    padding: 4rem 0;
    background-color: var(--bg-light);
}

.partners-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1.5rem;
}

.partner-card {
    background-color: var(--bg-white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    text-align: center;
    transition: var(--transition);
}

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

.partner-logo {
    width: 60px;
    height: 60px;
    background-color: var(--bg-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    color: var(--primary-color);
    font-size: 1.5rem;
}

.partner-card h4 {
    margin-bottom: 0.5rem;
    color: var(--text-dark);
}

.partner-card p {
    color: var(--text-light);
    font-size: 0.875rem;
    margin-bottom: 1rem;
}

.partner-badge {
    display: inline-block;
    padding: 0.25rem 0.75rem;
    background-color: var(--secondary-color);
    color: white;
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 600;
}

/* ===== TEAM SECTION ===== */
.team-section {
    padding: 4rem 0;
    background-color: var(--bg-white);
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1.5rem;
}

.team-member {
    text-align: center;
    padding: 2rem;
    background-color: var(--bg-light);
    border-radius: var(--radius-lg);
    transition: var(--transition);
}

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

.member-photo {
    width: 100px;
    height: 100px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    color: white;
    font-size: 2.5rem;
}

.team-member h4 {
    margin-bottom: 0.25rem;
    color: var(--text-dark);
}

.member-role {
    color: var(--primary-color);
    font-weight: 600;
    font-size: 0.875rem;
    margin-bottom: 0.5rem;
}

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

/* ===== CONTACT SECTION ===== */
.contact-section {
    padding: 4rem 0;
    background-color: var(--bg-light);
}

.contact-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1.5rem;
}

.contact-card {
    background-color: var(--bg-white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    text-align: center;
}

.contact-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    color: white;
    font-size: 1.5rem;
}

.contact-card h3 {
    margin-bottom: 1rem;
    color: var(--text-dark);
}

.contact-card a,
.contact-card p {
    display: block;
    color: var(--primary-color);
    margin-bottom: 0.5rem;
}

.contact-card p {
    color: var(--text-medium);
}

.messenger-link {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    color: var(--primary-color);
    margin-bottom: 0.5rem;
}

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

/* ===== ADVANCED CALCULATOR ===== */
.advanced-calculator {
    padding: 4rem 0;
    background-color: var(--bg-white);
}

.calculator-full {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    background-color: var(--bg-light);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.calculator-left h2 {
    margin-bottom: 1.5rem;
    color: var(--text-dark);
}

.range-display {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-top: 0.5rem;
}

.range-display input[type="number"] {
    flex: 1;
    padding: 0.5rem;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    text-align: center;
    font-size: 1rem;
}

.range-display span {
    color: var(--text-light);
    font-size: 0.875rem;
}

input[type="range"] {
    width: 100%;
    margin: 0.5rem 0;
    cursor: pointer;
}

.calc-summary {
    background-color: var(--bg-white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.calc-summary h3 {
    margin-bottom: 1.5rem;
    color: var(--text-dark);
}

.summary-item {
    display: flex;
    justify-content: space-between;
    padding: 0.75rem 0;
    border-bottom: 1px solid var(--border-color);
}

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

.summary-item.highlight {
    background-color: var(--bg-light);
    padding: 0.75rem;
    border-radius: var(--radius-md);
    margin: 0.5rem 0;
}

.summary-value {
    font-weight: 700;
    color: var(--primary-color);
}

.application-notice {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem;
    background-color: rgba(37, 99, 235, 0.1);
    border-radius: var(--radius-md);
    margin-bottom: 1.5rem;
}

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

/* ===== PAYMENT SCHEDULE ===== */
.payment-schedule {
    padding: 4rem 0;
    background-color: var(--bg-light);
}

.table-wrapper {
    overflow-x: auto;
    background-color: var(--bg-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.schedule-table {
    width: 100%;
    border-collapse: collapse;
}

.schedule-table th,
.schedule-table td {
    padding: 1rem;
    text-align: left;
    border-bottom: 1px solid var(--border-color);
}

.schedule-table th {
    background-color: var(--bg-light);
    font-weight: 600;
    color: var(--text-dark);
}

.schedule-table tr:hover {
    background-color: var(--bg-light);
}

/* ===== BLOG SECTION ===== */
.blog-section {
    padding: 4rem 0;
    background-color: var(--bg-light);
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 2rem;
}

.blog-card {
    background-color: var(--bg-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    overflow: hidden;
    transition: var(--transition);
}

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

.blog-image {
    height: 200px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 3rem;
}

.blog-content {
    padding: 1.5rem;
}

.blog-meta {
    display: flex;
    justify-content: space-between;
    margin-bottom: 1rem;
    font-size: 0.875rem;
    color: var(--text-light);
}

.blog-category i,
.blog-date i {
    margin-right: 0.25rem;
}

.blog-content h3 {
    margin-bottom: 0.75rem;
    color: var(--text-dark);
}

.blog-content > p {
    color: var(--text-medium);
    margin-bottom: 1rem;
}

.article-points {
    margin-bottom: 1.5rem;
    padding-left: 1.25rem;
}

.article-points li {
    color: var(--text-medium);
    font-size: 0.875rem;
    margin-bottom: 0.5rem;
    position: relative;
}

.article-points li::before {
    content: '•';
    position: absolute;
    left: -1rem;
    color: var(--primary-color);
    font-weight: 600;
}

/* ===== NEWSLETTER ===== */
.newsletter-section {
    padding: 4rem 0;
    background-color: var(--bg-white);
}

.newsletter-content {
    text-align: center;
    max-width: 600px;
    margin: 0 auto;
}

.newsletter-content i {
    font-size: 3rem;
    color: var(--primary-color);
    margin-bottom: 1rem;
}

.newsletter-content h2 {
    margin-bottom: 0.5rem;
}

.newsletter-content p {
    color: var(--text-medium);
    margin-bottom: 1.5rem;
}

.newsletter-form {
    display: flex;
    gap: 1rem;
}

.newsletter-form input {
    flex: 1;
    padding: 0.75rem 1rem;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 1rem;
}

/* ===== FOOTER ===== */
.footer {
    background-color: #111827;
    color: white;
    padding: 3rem 0 1rem;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 2rem;
}

.footer-col h4 {
    margin-bottom: 1rem;
    font-size: 1.125rem;
}

.footer-col a,
.footer-col p {
    display: block;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 0.5rem;
    font-size: 0.875rem;
}

.footer-col a:hover {
    color: white;
}

.footer-col a i {
    margin-right: 0.5rem;
    width: 20px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.footer-logo i {
    font-size: 1.5rem;
}

.social-links {
    display: flex;
    gap: 1rem;
    margin-top: 1rem;
}

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

.social-link:hover {
    background-color: var(--primary-color);
    transform: translateY(-3px);
}

.footer-bottom {
    text-align: center;
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.875rem;
}

/* ===== MODAL ===== */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(0, 0, 0, 0.5);
    z-index: 2000;
    align-items: center;
    justify-content: center;
    padding: 1rem;
}

.modal.active {
    display: flex;
}

.modal-content {
    background-color: var(--bg-white);
    padding: 2rem;
    border-radius: var(--radius-lg);
    max-width: 500px;
    width: 100%;
    position: relative;
    text-align: center;
    box-shadow: var(--shadow-xl);
}

.modal-close {
    position: absolute;
    top: 1rem;
    right: 1rem;
    background: none;
    border: none;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--text-light);
    transition: var(--transition);
}

.modal-close:hover {
    color: var(--text-dark);
}

.modal-icon {
    font-size: 4rem;
    color: var(--secondary-color);
    margin-bottom: 1rem;
}

.modal-content h3 {
    margin-bottom: 1rem;
    color: var(--text-dark);
}

.modal-content p {
    color: var(--text-medium);
}

.article-modal .modal-content {
    max-width: 800px;
    max-height: 80vh;
    overflow-y: auto;
    text-align: left;
}

.article-content h2 {
    margin-bottom: 1rem;
    color: var(--text-dark);
}

.article-content p {
    margin-bottom: 1rem;
    color: var(--text-medium);
}

.article-content ul {
    margin-bottom: 1rem;
    padding-left: 1.5rem;
}

.article-content ul li {
    margin-bottom: 0.5rem;
    color: var(--text-medium);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
    .hero-content,
    .calculator-wrapper,
    .calculator-full,
    .application-wrapper,
    .about-grid {
        grid-template-columns: 1fr;
    }
    
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-stats {
        flex-wrap: wrap;
    }
}

@media (max-width: 768px) {
    .nav {
        display: none;
    }
    
    .header-btn {
        display: none;
    }
    
    .mobile-menu-btn {
        display: block;
    }
    
    .hero {
        padding: 3rem 0;
    }
    
    .hero-title {
        font-size: 1.75rem;
    }
    
    .hero-subtitle {
        font-size: 1.25rem;
    }
    
    .section-title {
        font-size: 1.5rem;
    }
    
    .advantages-grid,
    .testimonials-grid,
    .partners-grid,
    .team-grid,
    .contact-grid,
    .blog-grid {
        grid-template-columns: 1fr;
    }
    
    .step-card {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .step-number,
    .step-icon {
        margin: 0 auto;
    }
    
    .newsletter-form {
        flex-direction: column;
    }
    
    .about-stats {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 1rem;
    }
    
    .hero-title {
        font-size: 1.5rem;
    }
    
    .hero-stats {
        flex-direction: column;
        gap: 1rem;
    }
    
    .btn-large {
        padding: 0.75rem 1.5rem;
        font-size: 1rem;
    }
}

/* ===== DASHBOARD STYLES ===== */
.user-menu {
    position: relative;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    cursor: pointer;
}

.user-name {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 600;
    color: var(--text-dark);
    padding: 0.5rem 1rem;
    border-radius: var(--radius-md);
    transition: var(--transition);
}

.user-name:hover {
    background-color: var(--bg-light);
}

.user-name i {
    color: var(--primary-color);
}

.user-dropdown {
    display: none;
    position: absolute;
    top: 100%;
    right: 0;
    background-color: var(--bg-white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-xl);
    min-width: 200px;
    padding: 0.5rem 0;
    z-index: 1100;
    margin-top: 0.5rem;
    border: 1px solid var(--border-color);
}

.user-menu:hover .user-dropdown {
    display: block;
}

.dropdown-link {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.75rem 1rem;
    color: var(--text-medium);
    font-weight: 500;
    transition: var(--transition);
}

.dropdown-link:hover {
    background-color: var(--bg-light);
    color: var(--primary-color);
}

.dropdown-link i {
    width: 18px;
    text-align: center;
}

.dashboard-section {
    padding: 3rem 0;
    background-color: var(--bg-light);
}

.dashboard-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.dashboard-card {
    background-color: var(--bg-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: 1.5rem;
    transition: var(--transition);
}

.dashboard-card:hover {
    box-shadow: var(--shadow-lg);
}

.card-header {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1.5rem;
    padding-bottom: 1rem;
    border-bottom: 1px solid var(--border-color);
}

.card-header i {
    font-size: 1.5rem;
    color: var(--primary-color);
}

.card-header h2 {
    font-size: 1.25rem;
    color: var(--text-dark);
    flex: 1;
}

.profile-info {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.profile-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.75rem 0;
    border-bottom: 1px solid var(--border-color);
}

.profile-row:last-child {
    border-bottom: none;
}

.profile-label {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--text-light);
    font-weight: 500;
}

.profile-label i {
    color: var(--primary-color);
    width: 18px;
    text-align: center;
}

.profile-value {
    font-weight: 600;
    color: var(--text-dark);
}

.quick-actions {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
}

.action-btn {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    padding: 1.25rem;
    background-color: var(--bg-light);
    border-radius: var(--radius-md);
    color: var(--text-dark);
    font-weight: 500;
    transition: var(--transition);
}

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

.action-btn:hover i {
    color: white;
}

.action-btn i {
    font-size: 1.5rem;
    color: var(--primary-color);
    transition: var(--transition);
}

.applications-card {
    grid-column: 1 / -1;
}

.applications-card .card-header {
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 1rem;
}

.btn-sm {
    padding: 0.5rem 1rem;
    font-size: 0.875rem;
}

.applications-table {
    width: 100%;
    border-collapse: collapse;
}

.applications-table th,
.applications-table td {
    padding: 0.875rem 1rem;
    text-align: left;
    border-bottom: 1px solid var(--border-color);
}

.applications-table th {
    background-color: var(--bg-light);
    font-weight: 600;
    color: var(--text-dark);
    font-size: 0.875rem;
}

.applications-table th i {
    margin-right: 0.375rem;
    color: var(--primary-color);
}

.applications-table tbody tr:hover {
    background-color: var(--bg-light);
}

.status-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.375rem;
    padding: 0.375rem 0.75rem;
    border-radius: 999px;
    font-size: 0.8125rem;
    font-weight: 600;
}

.status-badge.new {
    background-color: #fef08a;
    color: #854d0e;
}

.status-badge.pending_review {
    background-color: #fed7aa;
    color: #9a3412;
}

.status-badge.pending_investor {
    background-color: #bae6fd;
    color: #075985;
}

.status-badge.approved {
    background-color: #bbf7d0;
    color: #166534;
}

.status-badge.rejected {
    background-color: #fecaca;
    color: #991b1b;
}

.empty-state {
    text-align: center;
    padding: 3rem 1rem;
}

.empty-state i {
    font-size: 3rem;
    color: var(--text-light);
    margin-bottom: 1rem;
}

.empty-state h3 {
    margin-bottom: 0.5rem;
    color: var(--text-dark);
}

.empty-state p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
}

.view-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.375rem;
    padding: 0.375rem 0.75rem;
    background-color: transparent;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    color: var(--primary-color);
    font-size: 0.8125rem;
    font-weight: 500;
    cursor: pointer;
    transition: var(--transition);
}

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

/* Dashboard responsive */
@media (max-width: 992px) {
    .dashboard-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .user-menu {
        display: none;
    }

    .user-name {
        display: none;
    }

    .applications-table th:nth-child(4),
    .applications-table td:nth-child(4) {
        display: none;
    }
}

@media (max-width: 480px) {
    .quick-actions {
        grid-template-columns: 1fr;
    }

    .applications-table th:nth-child(3),
    .applications-table td:nth-child(3) {
        display: none;
    }
}

/* ===== AUTH SECTION ===== */
.auth-section {
    padding: 4rem 0;
    background-color: var(--bg-light);
    min-height: calc(100vh - 300px);
}

.auth-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: start;
    max-width: 1000px;
    margin: 0 auto;
}

.auth-card {
    background-color: var(--bg-white);
    padding: 2.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
}

.auth-card.admin-login {
    max-width: 500px;
    margin: 0 auto;
}

.auth-header {
    text-align: center;
    margin-bottom: 2rem;
}

.auth-header i {
    font-size: 3rem;
    color: var(--primary-color);
    margin-bottom: 1rem;
}

.auth-header h2 {
    font-size: 1.75rem;
    margin-bottom: 0.5rem;
    color: var(--text-dark);
}

.auth-header p {
    color: var(--text-light);
}

.auth-form {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.password-input {
    position: relative;
    display: flex;
    align-items: center;
}

.password-input input {
    width: 100%;
    padding: 0.75rem 3rem 0.75rem 1rem;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 1rem;
    transition: var(--transition);
}

.password-input input:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.toggle-password {
    position: absolute;
    right: 0.75rem;
    background: none;
    border: none;
    color: var(--text-light);
    cursor: pointer;
    font-size: 1rem;
}

.toggle-password:hover {
    color: var(--primary-color);
}

.auth-error {
    margin-top: 1rem;
    padding: 1rem;
    background-color: #fef2f2;
    border: 1px solid #fecaca;
    border-radius: var(--radius-md);
    color: #dc2626;
    font-size: 0.875rem;
    text-align: center;
}

.auth-info {
    padding: 1rem 0;
}

.auth-info h3 {
    font-size: 1.5rem;
    margin-bottom: 1.5rem;
    color: var(--text-dark);
}

.auth-info ul {
    margin-bottom: 2rem;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.auth-info ul li {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    color: var(--text-medium);
}

.auth-info ul li i {
    color: var(--secondary-color);
    font-size: 1.25rem;
    margin-top: 0.125rem;
}

.auth-info-card {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding: 1.25rem;
    background-color: var(--bg-light);
    border-radius: var(--radius-md);
    margin-bottom: 1rem;
}

.auth-info-card i {
    font-size: 1.5rem;
    color: var(--primary-color);
}

.auth-info-card p {
    color: var(--text-medium);
    margin: 0;
}

.auth-footer {
    text-align: center;
    margin-top: 1.5rem;
    padding-top: 1.5rem;
    border-top: 1px solid var(--border-color);
}

.auth-footer a {
    color: var(--primary-color);
    font-weight: 600;
}

.auth-footer a:hover {
    text-decoration: underline;
}

/* ===== CHECKBOX LABEL ===== */
.checkbox-label {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
    width: 20px;
    height: 20px;
    cursor: pointer;
    accent-color: var(--primary-color);
}

.checkbox-label span {
    color: var(--text-medium);
}

/* ===== FORM ROW ===== */
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

/* ===== ADMIN BADGE ===== */
.admin-badge {
    background-color: var(--accent-color);
    color: white;
    padding: 0.25rem 0.75rem;
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 600;
    margin-left: 0.5rem;
}

/* ===== STATS GRID ===== */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1.5rem;
}

.stat-card {
    display: flex;
    align-items: center;
    gap: 1.25rem;
}

.stat-icon {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
    flex-shrink: 0;
}

.stat-content {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--text-dark);
}

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

/* ===== APPLICATION CARD (Investor) ===== */
.applications-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 1.5rem;
}

.application-card {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

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

.app-id {
    font-weight: 600;
    color: var(--text-dark);
}

.app-details {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.detail-row {
    display: flex;
    justify-content: space-between;
    padding: 0.5rem 0;
    border-bottom: 1px solid var(--border-color);
}

.detail-row:last-child {
    border-bottom: none;
}

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

.detail-value {
    color: var(--text-dark);
    font-weight: 500;
    text-align: right;
}

.detail-value.highlight {
    color: var(--primary-color);
    font-weight: 700;
}

.app-actions {
    display: flex;
    gap: 1rem;
    margin-top: 0.5rem;
}

.app-message {
    padding: 1rem;
    background-color: var(--bg-light);
    border-radius: var(--radius-md);
    color: var(--text-medium);
    font-size: 0.875rem;
}

.app-message i {
    margin-right: 0.5rem;
    color: var(--primary-color);
}

/* ===== DECISION MODAL ===== */
.decision-buttons {
    display: flex;
    gap: 1rem;
    margin-top: 1.5rem;
}

.btn-approve {
    background-color: var(--secondary-color);
    color: white;
    flex: 1;
}

.btn-approve:hover {
    background-color: var(--secondary-dark);
    transform: translateY(-2px);
}

.btn-reject {
    background-color: #ef4444;
    color: white;
    flex: 1;
}

.btn-reject:hover {
    background-color: #dc2626;
    transform: translateY(-2px);
}

/* ===== FILTER BAR ===== */
.filter-bar {
    display: flex;
    gap: 1rem;
    margin-bottom: 1.5rem;
    flex-wrap: wrap;
}

.filter-bar select {
    padding: 0.75rem 1rem;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 1rem;
    background-color: var(--bg-white);
    min-width: 200px;
}

/* ===== DETAIL GRID (Admin View) ===== */
.detail-grid {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.detail-section {
    padding: 1.5rem;
    background-color: var(--bg-light);
    border-radius: var(--radius-md);
}

.detail-section h4 {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 1rem;
    color: var(--text-dark);
    font-size: 1.125rem;
}

.detail-section h4 i {
    color: var(--primary-color);
}

.detail-section .detail-row {
    padding: 0.5rem 0;
}

.detail-section .label {
    color: var(--text-light);
    font-size: 0.875rem;
}

.detail-section .value {
    color: var(--text-dark);
    font-weight: 500;
}

.detail-section .value.highlight {
    color: var(--primary-color);
    font-weight: 700;
    font-size: 1.125rem;
}

.detail-text {
    color: var(--text-medium);
    white-space: pre-wrap;
    line-height: 1.6;
}

/* ===== MODAL LARGE ===== */
.modal-large {
    max-width: 800px;
    max-height: 85vh;
    overflow-y: auto;
}

/* ===== ROLE BADGE ===== */
.role-badge {
    display: inline-block;
    padding: 0.25rem 0.75rem;
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 600;
}

.role-badge.role-client {
    background-color: #dbeafe;
    color: #1d4ed8;
}

.role-badge.role-investor {
    background-color: #fef3c7;
    color: #b45309;
}

.role-badge.role-admin {
    background-color: #fce7f3;
    color: #be185d;
}

.text-muted {
    color: var(--text-light);
}

/* ===== ADMIN HEADER STYLE ===== */
.admin-header {
    background: linear-gradient(135deg, #1e3a8a 0%, #7c3aed 50%, #2563eb 100%);
}

/* ===== EMPTY STATE CELL ===== */
.empty-state-cell {
    text-align: center;
    padding: 3rem 1rem !important;
    color: var(--text-light);
}

.empty-state-cell i {
    font-size: 2rem;
    margin-bottom: 1rem;
    display: block;
}

.empty-row td {
    color: var(--text-light);
}

/* ===== SMALL BUTTON ===== */
.btn-small {
    padding: 0.375rem 0.75rem;
    font-size: 0.8rem;
    font-weight: 500;
}

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

.btn-view:hover {
    background-color: var(--primary-dark);
}

.btn-delete {
    background-color: #ef4444;
    color: white;
}

.btn-delete:hover {
    background-color: #dc2626;
}

/* ===== RESPONSIVE FOR NEW COMPONENTS ===== */
@media (max-width: 768px) {
    .auth-wrapper {
        grid-template-columns: 1fr;
    }

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

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

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

    .filter-bar {
        flex-direction: column;
    }

    .filter-bar select {
        min-width: auto;
        width: 100%;
    }

    .applications-grid {
        grid-template-columns: 1fr;
    }

    .app-actions {
        flex-direction: column;
    }
}

@media (max-width: 480px) {
    .stats-grid {
        grid-template-columns: 1fr;
    }

    .auth-card {
        padding: 1.5rem;
    }
}

/* ===== PRIVATE CREDIT SECTION ===== */
.private-credit-section {
    padding: 4rem 0;
    background-color: var(--bg-white);
}

.private-credit-content {
    max-width: 900px;
    margin: 0 auto;
}

.private-credit-info h3 {
    font-size: 1.5rem;
    margin-bottom: 1rem;
    color: var(--text-dark);
    text-align: center;
}

.private-credit-info > p {
    color: var(--text-medium);
    font-size: 1.1rem;
    text-align: center;
    margin-bottom: 2rem;
}

.private-credit-steps {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.private-step {
    display: flex;
    align-items: flex-start;
    gap: 1.25rem;
    padding: 1.5rem;
    background-color: var(--bg-light);
    border-radius: var(--radius-lg);
    border-left: 4px solid var(--primary-color);
}

.private-step-num {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: 700;
    flex-shrink: 0;
}

.private-step-text {
    color: var(--text-medium);
    line-height: 1.6;
}

.private-step-text strong {
    color: var(--text-dark);
}

.private-credit-notice {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding: 1.25rem;
    background-color: #f0f9ff;
    border-radius: var(--radius-md);
    margin-bottom: 1rem;
    border: 1px solid #bae6fd;
}

.private-credit-notice:last-child {
    margin-bottom: 0;
}

.private-credit-notice i {
    font-size: 1.5rem;
    color: var(--primary-color);
    flex-shrink: 0;
}

.private-credit-notice div {
    color: var(--text-medium);
    line-height: 1.6;
}

.private-credit-notice strong {
    color: var(--text-dark);
}

@media (max-width: 768px) {
    .private-step {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }
}