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

:root {
    --primary-color: #0066CC;
    --primary-dark: #0052A3;
    --secondary-color: #FF6B35;
    --success-color: #10B981;
    --warning-color: #F59E0B;
    --danger-color: #EF4444;
    --gray-light: #F9FAFB;
    --gray-medium: #E5E7EB;
    --gray-dark: #374151;
    --text-primary: #111827;
    --text-secondary: #6B7280;
    --border-radius: 8px;
    --box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
    --box-shadow-lg: 0 10px 25px rgba(0, 0, 0, 0.1);
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    color: var(--text-primary);
    line-height: 1.6;
    overflow-x: hidden;
}

/* ============ NAVIGATION ============ */
.navbar {
    background: white;
    padding: 1rem 0;
    box-shadow: var(--box-shadow);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 700;
    font-size: 1.5rem;
}

/* logo image adjustments */
.logo img {
    display: block;
    height: 40px;
    width: auto;
}
.logo-text {
    color: var(--primary-color);
}

.logo-sub {
    color: var(--secondary-color);
    font-size: 0.9rem;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 2rem;
    align-items: center;
}

.nav-link {
    text-decoration: none;
    color: var(--text-primary);
    font-weight: 500;
    transition: color 0.3s ease;
}

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

.apply-btn {
    padding: 0.75rem 1.5rem;
    background: var(--primary-color);
    color: white !important;
    border-radius: var(--border-radius);
    transition: background 0.3s ease;
}

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

/* Hamburger Menu */
.hamburger {
    display: none;
    flex-direction: column;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
    z-index: 1001;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background: var(--primary-color);
    margin: 5px 0;
    transition: all 0.3s ease;
    border-radius: 2px;
}

.hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(10px, 10px);
}

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

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

/* ============ HERO SECTION ============ */
.hero {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: white;
    padding: 6rem 2rem;
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
}

.hero-content h1 {
    font-size: 3rem;
    margin-bottom: 1rem;
    font-weight: 700;
}

.hero-content p {
    font-size: 1.25rem;
    margin-bottom: 2rem;
    opacity: 0.95;
}

.cta-button {
    display: inline-block;
    padding: 1rem 2rem;
    background: var(--secondary-color);
    color: white;
    text-decoration: none;
    border-radius: var(--border-radius);
    font-weight: 600;
    transition: all 0.3s ease;
    box-shadow: var(--box-shadow-lg);
}

.cta-button:hover {
    transform: translateY(-2px);
    box-shadow: 0 15px 35px rgba(255, 107, 53, 0.3);
}

.hero-image {
    display: flex;
    justify-content: center;
    align-items: center;
    perspective: 1000px;
}

.card-visual {
    width: 280px;
    height: 160px;
    position: relative;
}

.card-front {
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, #1a1a2e 0%, #16213e 100%);
    border-radius: 15px;
    padding: 20px;
    color: white;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    position: relative;
    overflow: hidden;
    animation: cardFloat 3s ease-in-out infinite;
}

.card-front::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(45deg, transparent 30%, rgba(255, 255, 255, 0.1) 50%, transparent 70%);
    pointer-events: none;
}

@keyframes cardFloat {
    0%, 100% {
        transform: translateY(0px);
    }
    50% {
        transform: translateY(-10px);
    }
}

.card-chip {
    width: 45px;
    height: 35px;
    background: linear-gradient(135deg, #FFD700 0%, #FFA500 100%);
    border-radius: 5px;
    position: relative;
}

.card-chip::after {
    content: '';
    position: absolute;
    inset: 2px;
    border-radius: 3px;
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.1), rgba(0, 0, 0, 0.1));
}

.card-number {
    font-size: 1.25rem;
    letter-spacing: 2px;
    font-weight: 500;
}

.card-holder {
    display: flex;
    flex-direction: column;
}

.label {
    font-size: 0.65rem;
    opacity: 0.7;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.name {
    font-size: 0.95rem;
    font-weight: 600;
}

.card-expiry {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
}

.label-small {
    font-size: 0.6rem;
    opacity: 0.7;
    letter-spacing: 1px;
}

.date {
    font-size: 0.9rem;
    font-weight: 600;
}

.card-logo {
    position: absolute;
    top: 15px;
    right: 20px;
    font-size: 1.2rem;
    font-weight: 700;
    opacity: 0.8;
}

/* ============ CARDS SECTION ============ */
.cards-section {
    padding: 5rem 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

.cards-section h2 {
    font-size: 2.5rem;
    margin-bottom: 3rem;
    text-align: center;
}

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

/* Promo block for app download above card variants */
.download-promo {
    background: linear-gradient(135deg, var(--secondary-color) 0%, var(--primary-color) 100%);
    color: white;
    text-align: center;
    padding: 2rem 1.5rem;
    border-radius: calc(var(--border-radius) * 1.5);
    margin-bottom: 2rem;
    box-shadow: var(--box-shadow-lg);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    align-items: center;
}
.download-promo::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0,0,0,0.15);
    mix-blend-mode: overlay;
}

.download-promo p {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.3);
}

.download-promo .promo-icon {
    font-size: 1.5rem;
    margin-right: 0.5rem;
}

/* promo image styling */
.download-promo .promo-image {
    max-width: 360px;
    height: auto;
    display: block;
    margin: 0 auto 1rem;
}
.download-button {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.85rem 1.75rem;
    background: var(--primary-color);
    color: white;
    text-decoration: none;
    border-radius: var(--border-radius);
    font-weight: 700;
    font-size: 1rem;
    transition: background 0.3s ease, transform 0.2s ease;
    box-shadow: var(--box-shadow);
}

.download-button:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
}

.download-button .button-icon {
    font-size: 1.2rem;
}

.download-button:hover {
    background: var(--primary-dark);
}

/* buttons above card variants */
.action-buttons {
    display: flex;
    justify-content: center;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.action-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.85rem 1.75rem;
    min-width: 220px;
    background: var(--primary-color);
    color: white;
    text-decoration: none;
    border-radius: var(--border-radius);
    font-weight: 700;
    transition: background 0.3s ease, transform 0.2s ease;
    box-shadow: var(--box-shadow);
    text-align: center;
}

.action-button:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
}

.action-button .action-icon {
    font-size: 1.2rem;
}
.action-button:hover {
    background: var(--primary-dark);
}

.card-variant {
    background: white;
    border: 2px solid var(--gray-medium);
    border-radius: var(--border-radius);
    padding: 2rem;
    transition: all 0.3s ease;
    position: relative;
}

.card-variant:hover {
    transform: translateY(-10px);
    box-shadow: var(--box-shadow-lg);
}

.card-variant.featured {
    border-color: var(--primary-color);
    box-shadow: 0 0 0 1px var(--primary-color);
}

.variant-badge {
    position: absolute;
    top: -12px;
    right: 20px;
    background: var(--secondary-color);
    color: white;
    padding: 0.5rem 1rem;
    border-radius: 20px;
    font-size: 0.85rem;
    font-weight: 600;
}

.variant-badge.featured-badge {
    background: var(--primary-color);
}

.card-variant h3 {
    font-size: 1.5rem;
    margin-top: 1rem;
    margin-bottom: 0.5rem;
}

.card-desc {
    color: var(--text-secondary);
    margin-bottom: 1.5rem;
}

.features-list {
    list-style: none;
    margin-bottom: 1.5rem;
}

.features-list li {
    padding: 0.75rem 0;
    color: var(--text-secondary);
    border-bottom: 1px solid var(--gray-light);
}

.features-list li:last-child {
    border-bottom: none;
}

.card-fee {
    color: var(--text-secondary);
    font-size: 0.95rem;
    font-weight: 600;
    padding-top: 1rem;
    border-top: 2px solid var(--gray-light);
}

/* ============ BENEFITS SECTION ============ */
.benefits {
    background-color: var(--gray-light);
    padding: 5rem 2rem;
}

.benefits h2 {
    font-size: 2.5rem;
    margin-bottom: 3rem;
    text-align: center;
    max-width: 1200px;
    margin-left: auto;
    margin-right: auto;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

.benefit-item {
    background: white;
    padding: 2rem;
    border-radius: var(--border-radius);
    text-align: center;
    transition: all 0.3s ease;
}

.benefit-item:hover {
    transform: translateY(-10px);
    box-shadow: var(--box-shadow-lg);
}

.benefit-icon {
    font-size: 3rem;
    margin-bottom: 1rem;
}

.benefit-item h3 {
    font-size: 1.25rem;
    margin-bottom: 0.5rem;
}

.benefit-item p {
    color: var(--text-secondary);
    font-size: 0.95rem;
}

/* ============ APPLICATION FORM ============ */
.apply-section {
    padding: 5rem 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

.form-container {
    background: white;
    border-radius: var(--border-radius);
    box-shadow: var(--box-shadow-lg);
    padding: 3rem;
    position: relative;
}

.form-container h2 {
    font-size: 2rem;
    margin-bottom: 0.5rem;
}

.form-subtitle {
    color: var(--text-secondary);
    margin-bottom: 2rem;
}

.progress-indicator {
    margin-bottom: 3rem;
}

.progress-bar {
    height: 4px;
    background: var(--gray-medium);
    border-radius: 4px;
    margin-bottom: 1.5rem;
    overflow: hidden;
}

.progress-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--primary-color), var(--secondary-color));
    width: 25%;
    transition: width 0.3s ease;
}

.progress-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
    text-align: center;
}

.step {
    padding: 1rem;
    border-radius: var(--border-radius);
    background: var(--gray-light);
    font-weight: 600;
    color: var(--text-secondary);
    font-size: 0.9rem;
    transition: all 0.3s ease;
}

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

.form-step {
    display: none;
}

.form-step.active {
    display: block;
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.form-step h3 {
    font-size: 1.5rem;
    margin-bottom: 2rem;
    color: var(--primary-color);
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: var(--text-primary);
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 0.85rem;
    border: 2px solid var(--gray-medium);
    border-radius: var(--border-radius);
    font-size: 1rem;
    transition: border-color 0.3s ease;
    font-family: inherit;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(0, 102, 204, 0.1);
}

.form-group input:disabled {
    background-color: var(--gray-light);
    cursor: not-allowed;
}

.error-message {
    color: var(--danger-color);
    font-size: 0.85rem;
    margin-top: 0.25rem;
    display: block;
    min-height: 1.2rem;
}

.form-group.error input,
.form-group.error select {
    border-color: var(--danger-color);
}

.checkbox-group {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    margin-bottom: 1rem;
}

.checkbox-group input[type="checkbox"] {
    width: auto;
    margin-top: 0.25rem;
    cursor: pointer;
}

.checkbox-group label {
    margin-bottom: 0;
    font-weight: 500;
    cursor: pointer;
}

.form-navigation {
    display: flex;
    gap: 1rem;
    justify-content: flex-end;
    margin-top: 2rem;
    padding-top: 2rem;
    border-top: 2px solid var(--gray-light);
}

.btn-back,
.btn-next,
.btn-submit {
    padding: 0.85rem 2rem;
    border: none;
    border-radius: var(--border-radius);
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
}

.btn-back {
    background: var(--gray-medium);
    color: var(--text-primary);
}

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

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

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

/* Success Message */
.success-message {
    text-align: center;
    padding: 3rem 2rem;
}

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

.success-message h3 {
    font-size: 2rem;
    margin-bottom: 1rem;
    color: var(--success-color);
}

.success-message p {
    color: var(--text-secondary);
    margin-bottom: 1rem;
    font-size: 1rem;
}

.success-details {
    background: var(--gray-light);
    padding: 1rem;
    border-radius: var(--border-radius);
    margin-bottom: 1.5rem;
    border-left: 4px solid var(--success-color);
}

.confirmation-ref {
    font-weight: 600;
    color: var(--primary-color);
}

.confirmation-ref span {
    font-family: 'Courier New', monospace;
    background: var(--gray-light);
    padding: 0.25rem 0.75rem;
    border-radius: 4px;
}

.btn-close {
    background: var(--primary-color);
    color: white;
    padding: 0.85rem 2rem;
    border: none;
    border-radius: var(--border-radius);
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    margin-top: 1rem;
}

.btn-close:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
}

/* ============ FAQ SECTION ============ */
.faq-section {
    padding: 5rem 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

.faq-section h2 {
    font-size: 2.5rem;
    margin-bottom: 3rem;
    text-align: center;
}

.faq-container {
    display: grid;
    gap: 1rem;
}

.faq-item {
    border: 2px solid var(--gray-medium);
    border-radius: var(--border-radius);
    overflow: hidden;
}

.faq-question {
    padding: 1.5rem;
    background: var(--gray-light);
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-weight: 600;
    transition: all 0.3s ease;
}

.faq-question:hover {
    background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
    color: white;
}

.faq-icon {
    font-size: 1.5rem;
    transition: transform 0.3s ease;
}

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

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

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 1.5rem;
    border-top: 2px solid var(--gray-medium);
}

.faq-answer p {
    color: var(--text-secondary);
    line-height: 1.8;
}

/* ============ FOOTER ============ */
.footer {
    background: linear-gradient(135deg, #1a1a2e 0%, #16213e 100%);
    color: white;
    padding: 3rem 2rem 1rem;
}

.footer-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 2rem;
}

.footer-section h4 {
    font-size: 1.1rem;
    margin-bottom: 1rem;
    color: var(--secondary-color);
}

.footer-section p {
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 0.5rem;
}

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

.footer-section ul li {
    margin-bottom: 0.75rem;
}

.footer-section a {
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-section a:hover {
    color: var(--secondary-color);
}

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

.footer-bottom {
    text-align: center;
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.9rem;
}

.footer-bottom a {
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
}

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

/* ============ RESPONSIVE DESIGN ============ */

/* Tablets and Medium Screens (768px to 1024px) */
@media (max-width: 1024px) {
    .nav-container {
        padding: 0 1.5rem;
    }

    .hero {
        grid-template-columns: 1fr;
        padding: 4rem 1.5rem;
        gap: 2rem;
    }

    .hero-content h1 {
        font-size: 2.5rem;
    }

    .apply-section,
    .cards-section,
    .benefits,
    .faq-section {
        padding: 3.5rem 1.5rem;
    }

    .form-container {
        padding: 2rem;
    }
}

/* Tablets (768px to 1024px) */
@media (max-width: 768px) {
    .navbar {
        padding: 0.75rem 0;
    }

    .nav-container {
        padding: 0 1rem;
    }

    .hamburger {
        display: flex;
    }

    .nav-menu {
        position: fixed;
        left: 0;
        top: 70px;
        flex-direction: column;
        background: white;
        width: 100%;
        text-align: center;
        gap: 0.5rem;
        padding: 1rem 0;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.3s ease;
        box-shadow: var(--box-shadow);
    }

    .nav-menu.active {
        max-height: 500px;
    }

    .nav-menu li {
        padding: 0.75rem 0;
    }

    .apply-btn {
        padding: 0.6rem 1.2rem;
        font-size: 0.9rem;
    }

    .logo {
        font-size: 1.2rem;
    }

    .hero {
        grid-template-columns: 1fr;
        padding: 3rem 1rem;
        gap: 2rem;
    }

    .hero-content h1 {
        font-size: 2rem;
    }

    .hero-content p {
        font-size: 1rem;
    }

    .card-visual {
        width: 240px;
        height: 140px;
    }

    .cards-section h2,
    .benefits h2,
    .faq-section h2 {
        font-size: 2rem;
    }

    .cards-container {
        grid-template-columns: 1fr;
    }

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

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

    .form-container {
        padding: 1.5rem;
        border-radius: 0;
    }

    .form-step h3 {
        font-size: 1.25rem;
    }

    .progress-steps {
        grid-template-columns: repeat(2, 1fr);
        gap: 0.5rem;
    }

    .progress-steps .step {
        font-size: 0.75rem;
        padding: 0.6rem;
    }

    .form-navigation {
        flex-direction: column;
        gap: 0.75rem;
    }

    .btn-back,
    .btn-next,
    .btn-submit {
        width: 100%;
        padding: 0.75rem 1rem;
    }

    .faq-question {
        padding: 1.25rem;
        gap: 1rem;
    }

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

    .apply-section,
    .cards-section,
    .benefits,
    .faq-section {
        padding: 3rem 1rem;
    }

    .footer-container {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }
}

/* Mobile Phones (480px to 768px) */
@media (max-width: 480px) {
    body {
        font-size: 14px;
    }

    .navbar {
        padding: 0.5rem 0;
    }

    .nav-container {
        padding: 0 0.75rem;
    }

    .logo {
        font-size: 1rem;
    }

    .logo-text {
        font-size: 1.1rem;
    }

    .logo-sub {
        font-size: 0.7rem;
    }

    .nav-menu {
        top: 60px;
        gap: 0;
    }

    .nav-menu li {
        padding: 0.6rem 0;
        border-bottom: 1px solid var(--gray-light);
    }

    .apply-btn {
        padding: 0.5rem 1rem;
        font-size: 0.85rem;
        margin: 0.75rem 1rem;
        width: auto;
    }

    /* Hero Section Mobile */
    .hero {
        grid-template-columns: 1fr;
        padding: 2rem 0.75rem;
        gap: 1.5rem;
    }

    .hero-content h1 {
        font-size: 1.5rem;
        line-height: 1.3;
    }

    .hero-content p {
        font-size: 0.9rem;
        margin-bottom: 1.5rem;
    }

    .cta-button {
        padding: 0.75rem 1.5rem;
        font-size: 0.9rem;
        display: inline-block;
    }

    .card-visual {
        width: 200px;
        height: 120px;
    }

    .card-front {
        padding: 15px;
    }

    .card-chip {
        width: 35px;
        height: 28px;
    }

    .card-number {
        font-size: 1rem;
        letter-spacing: 1.5px;
    }

    .card-holder,
    .card-expiry {
        font-size: 0.9rem;
    }

    /* Cards Section Mobile */
    .cards-section,
    .benefits,
    .faq-section,
    .apply-section {
        padding: 2rem 0.75rem;
    }

    .cards-section h2,
    .benefits h2,
    .faq-section h2 {
        font-size: 1.5rem;
        margin-bottom: 1.5rem;
    }

    .cards-container {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .card-variant {
        padding: 1.5rem 1rem;
        border-radius: 6px;
    }

    .variant-badge {
        right: 10px;
        top: -10px;
        font-size: 0.8rem;
        padding: 0.4rem 0.8rem;
    }

    .card-variant h3 {
        font-size: 1.25rem;
    }

    .card-fee {
        font-size: 0.85rem;
    }

    /* Benefits Grid Mobile */
    .benefits-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .benefit-item {
        padding: 1.5rem 1rem;
    }

    .benefit-icon {
        font-size: 2.5rem;
    }

    .benefit-item h3 {
        font-size: 1.1rem;
    }

    .benefit-item p {
        font-size: 0.85rem;
    }

    /* Form Mobile */
    .form-container {
        padding: 1rem;
        border-radius: 0;
        box-shadow: none;
        margin: 0;
    }

    .form-container h2 {
        font-size: 1.5rem;
        margin-bottom: 0.5rem;
    }

    .form-subtitle {
        font-size: 0.9rem;
        margin-bottom: 1.5rem;
    }

    .form-step h3 {
        font-size: 1.1rem;
        margin-bottom: 1.5rem;
    }

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

    .form-group label {
        font-size: 0.9rem;
        margin-bottom: 0.4rem;
    }

    .form-group input,
    .form-group select {
        padding: 0.65rem;
        font-size: 16px;
        border-radius: 4px;
    }

    .form-row {
        grid-template-columns: 1fr;
        gap: 0.75rem;
    }

    .progress-indicator {
        margin-bottom: 1.5rem;
    }

    .progress-bar {
        height: 3px;
        margin-bottom: 1rem;
    }

    .progress-steps {
        grid-template-columns: repeat(2, 1fr);
        gap: 0.4rem;
    }

    .progress-steps .step {
        font-size: 0.7rem;
        padding: 0.5rem;
        border-radius: 4px;
    }

    .form-navigation {
        flex-direction: column;
        gap: 0.5rem;
        margin-top: 1.5rem;
    }

    .btn-back,
    .btn-next,
    .btn-submit {
        width: 100%;
        padding: 0.7rem 1rem;
        font-size: 0.95rem;
        border-radius: 4px;
    }

    .btn-back:hover,
    .btn-next:hover,
    .btn-submit:hover {
        transform: none;
    }

    .error-message {
        font-size: 0.8rem;
    }

    .checkbox-group {
        gap: 0.5rem;
        margin-bottom: 0.75rem;
    }

    .checkbox-group input[type="checkbox"] {
        margin-top: 0.2rem;
    }

    .checkbox-group label {
        font-size: 0.9rem;
    }

    /* Success Message Mobile */
    .success-message {
        padding: 2rem 1rem;
    }

    .success-icon {
        font-size: 3rem;
    }

    .success-message h3 {
        font-size: 1.5rem;
    }

    .success-message p {
        font-size: 0.9rem;
    }

    .btn-close {
        padding: 0.7rem 1.5rem;
        font-size: 0.95rem;
        width: 100%;
    }

    /* FAQ Mobile */
    .faq-container {
        gap: 0.75rem;
    }

    .faq-item {
        border-radius: 4px;
        overflow: hidden;
    }

    .faq-question {
        padding: 1rem;
        font-size: 0.95rem;
    }

    .faq-question span:first-child {
        flex: 1;
        text-align: left;
    }

    .faq-icon {
        font-size: 1rem;
        position: static;
    }

    .faq-answer {
        padding: 0;
    }

    .faq-item.active .faq-answer {
        padding: 1rem;
        max-height: 1000px;
    }

    .faq-answer p {
        font-size: 0.9rem;
        line-height: 1.6;
    }

    /* Footer Mobile */
    .footer {
        padding: 2rem 0.75rem 0.75rem;
    }

    .footer-container {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .footer-section h4 {
        font-size: 1rem;
        margin-bottom: 0.75rem;
    }

    .footer-section p,
    .footer-section a {
        font-size: 0.85rem;
    }

    .footer-bottom {
        font-size: 0.8rem;
        padding-top: 1rem;
    }

    .social-links {
        gap: 0.75rem;
    }

    .social-links a {
        font-size: 0.85rem;
    }
}

/* Extra Small Phones (Below 360px) */
@media (max-width: 360px) {
    .hero-content h1 {
        font-size: 1.3rem;
    }

    .cards-section h2,
    .benefits h2,
    .faq-section h2 {
        font-size: 1.3rem;
    }

    .form-container h2 {
        font-size: 1.3rem;
    }

    .card-visual {
        width: 180px;
        height: 110px;
    }

    .progress-steps {
        grid-template-columns: 1fr;
        gap: 0.3rem;
    }

    .progress-steps .step {
        font-size: 0.65rem;
        padding: 0.4rem;
    }

    .app-btn {
        padding: 0.5rem 0.8rem;
        font-size: 0.8rem;
    }
}

/* ============ UTILITY CLASSES ============ */
.hidden {
    display: none !important;
}

.visible {
    display: block !important;
}