.header{position:fixed;top:0;left:0;right:0;z-index:1000;background:#fff;box-shadow:0 2px 8px #00000014;transition:all .3s ease}.header-top-row{background:#fff;border-bottom:1px solid #E2E8F0}.header-top-row .header-container{max-width:1280px;margin:0 auto;padding:16px 24px;display:flex;align-items:center;justify-content:space-between;gap:32px}.header-login-row{background:#f8fafc;border-bottom:1px solid #E2E8F0}.header-login-row .header-container{max-width:1280px;margin:0 auto;padding:12px 24px;display:flex;align-items:center;justify-content:flex-start}.header-logo{display:flex;align-items:center;gap:12px;cursor:pointer;flex-shrink:0}.header-logo-image{height:50px;width:auto;display:block}.logo-circle{width:40px;height:40px;background:linear-gradient(135deg,#2f97da,#0096d6);border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 2px 8px #2f97da4d}.logo-icon{width:24px;height:24px}.logo-text{font-size:16px;font-weight:600;color:#2f97da;white-space:nowrap}.header-nav{display:flex;align-items:center;gap:32px;flex:1;margin-left:40px}.nav-link{background:none;border:none;font-size:15px;font-weight:500;color:#334155;cursor:pointer;padding:8px 0;position:relative;transition:color .2s ease;white-space:nowrap}.nav-link:after{content:"";position:absolute;bottom:0;left:0;width:0;height:2px;background:#2f97da;transition:width .3s ease}.nav-link:hover{color:#2f97da}.nav-link:hover:after{width:100%}.header-login-section{display:flex;align-items:center;gap:12px;width:100%}.login-text{font-size:15px;color:#64748b;font-weight:500;white-space:nowrap;margin-right:8px}.header-login-form{display:flex;align-items:center;gap:10px}.header-login-input{padding:10px 20px;border:1px solid #CBD5E1;border-radius:50px;font-size:14px;color:#0f1720;background:#fff;transition:all .2s ease;outline:none;width:180px}.header-login-input::placeholder{color:#94a3b8}.header-login-input:focus{border-color:#2f97da;box-shadow:0 0 0 2px #2f97da26}.header-login-submit{padding:10px 28px;background:linear-gradient(135deg,#2f97da,#0096d6);color:#fff;border:1px solid #1E86C9;border-radius:50px;font-size:14px;font-weight:700;letter-spacing:.5px;cursor:pointer;transition:all .2s ease;white-space:nowrap}.header-login-submit:hover{background:linear-gradient(135deg,#1e86c9,#0077b6);transform:translateY(-1px);box-shadow:0 4px 12px #2f97da4d}.header-login-extras{display:flex;flex-direction:column;gap:6px;align-items:flex-start}.header-remember-label{display:flex;align-items:center;gap:6px;font-size:13px;color:#64748b;cursor:pointer;-webkit-user-select:none;user-select:none;white-space:nowrap}.header-remember-checkbox{width:16px;height:16px;border:1px solid #CBD5E1;border-radius:3px;cursor:pointer;accent-color:#2F97DA}.header-login-links{display:flex;align-items:center;gap:8px}.header-login-link{color:#2f97da;font-size:13px;font-weight:500;text-decoration:none;transition:color .2s ease;white-space:nowrap}.header-login-link:hover{color:#1e86c9;text-decoration:underline}.search-btn{background:none;border:none;color:#334155;cursor:pointer;padding:8px;display:flex;align-items:center;justify-content:center;transition:all .2s ease;border-radius:6px}.search-btn svg{width:22px;height:22px}.search-btn:hover{background:#f1f5f9;color:#2f97da}.mobile-menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px}.hamburger{width:24px;height:20px;position:relative;display:flex;flex-direction:column;justify-content:space-between}.hamburger span{width:100%;height:2px;background:#334155;border-radius:2px;transition:all .3s ease}.hamburger.open span:nth-child(1){transform:rotate(45deg) translateY(9px)}.hamburger.open span:nth-child(2){opacity:0}.hamburger.open span:nth-child(3){transform:rotate(-45deg) translateY(-9px)}.mobile-menu{display:none;background:#fff;border-top:1px solid #E2E8F0;padding:0;max-height:0;overflow:hidden;transition:max-height .3s ease,padding .3s ease}.mobile-menu.open{display:flex;flex-direction:column;max-height:400px;padding:16px 24px}.mobile-nav-link{background:none;border:none;font-size:16px;font-weight:500;color:#334155;text-align:left;padding:16px 0;border-bottom:1px solid #F1F5F9;cursor:pointer;transition:color .2s ease}.mobile-nav-link:hover{color:#2f97da}.mobile-cta-btn{background:#2f97da;border:none;color:#fff;font-size:16px;font-weight:600;padding:14px 24px;border-radius:8px;cursor:pointer;margin-top:16px;transition:all .2s ease}.mobile-cta-btn:hover{background:#1e86c9;transform:translateY(-1px);box-shadow:0 4px 12px #2f97da4d}@media (max-width: 1200px){.header-login-form{flex-wrap:wrap}.header-login-input{width:160px}.header-login-extras{flex-direction:row;gap:16px;align-items:center}}@media (max-width: 968px){.header-nav,.header-login-row{display:none}.mobile-menu-toggle,.mobile-menu{display:block}.logo-text{font-size:14px;max-width:150px;overflow:hidden;text-overflow:ellipsis}}@media (max-width: 480px){.header-top-row .header-container{padding:12px 16px}.header-logo-image{height:40px}.logo-circle{width:36px;height:36px}.logo-icon{width:20px;height:20px}.logo-text{font-size:13px;max-width:120px}}html{scroll-padding-top:140px}@media (max-width: 968px){html{scroll-padding-top:80px}}.hero{background:#f8fafc;padding-top:140px;position:relative;overflow:hidden;min-height:calc(100vh - 140px)}.hero-container{max-width:1400px;margin:0 auto;padding:60px 40px;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;min-height:600px;position:relative}.hero-left{padding:60px 0;animation:fadeInLeft .8s ease-out;text-align:left}@keyframes fadeInLeft{0%{opacity:0;transform:translate(-30px)}to{opacity:1;transform:translate(0)}}.hero-right{animation:fadeInRight .8s ease-out;position:absolute;top:0;bottom:0;right:0;width:calc(50% + 40px);margin-left:-40px;padding-left:80px}@keyframes fadeInRight{0%{opacity:0;transform:translate(30px)}to{opacity:1;transform:translate(0)}}.hero-image-container{width:100%;height:100%;position:absolute;top:0;bottom:0;right:0;left:0;clip-path:polygon(8% 0,100% 0,100% 100%,0% 100%);background:linear-gradient(135deg,#e0f2fe,#7dd3fc,#0ea5e9);background-size:cover;background-position:center center;background-repeat:no-repeat;box-shadow:-10px 0 30px #0000001a;overflow:hidden}.placeholder-overlay{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);text-align:center;z-index:2;background:#fffffff2;padding:40px;border-radius:20px;box-shadow:0 10px 40px #00000026;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}.placeholder-icon{width:60px;height:60px;color:#0077b6;opacity:.6;margin-bottom:16px}.placeholder-text{color:#0077b6;font-size:16px;font-weight:700;margin-bottom:8px}.placeholder-hint{color:#64748b;font-size:13px;line-height:1.5}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,#e0f2fe,#bae6fd);padding:10px 24px;border-radius:50px;font-size:14px;font-weight:600;margin-bottom:24px;border:2px solid #7dd3fc;color:#0077b6;animation:fadeInLeft .8s ease-out .2s both}.badge-icon{font-size:18px;animation:pulse 2s ease-in-out infinite}@keyframes pulse{0%,to{transform:scale(1)}50%{transform:scale(1.1)}}.hero-title{font-size:56px;font-weight:800;line-height:1.15;margin-bottom:24px;letter-spacing:-1px;animation:fadeInLeft .8s ease-out .3s both;display:flex;flex-direction:column;gap:8px;color:#0f172a}.hero-title-main{font-size:1em;font-weight:800;text-transform:uppercase;background:linear-gradient(135deg,#0077b6,#00b4d8);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.hero-title-sub{font-size:.7em;font-weight:600;text-transform:capitalize;color:#334155}.hero-subtitle{font-size:22px;line-height:1.6;margin-bottom:32px;font-weight:400;color:#475569;animation:fadeInLeft .8s ease-out .4s both}.hero-highlight{font-weight:800;font-size:1.15em;background:linear-gradient(120deg,#fcd34d,#f59e0b);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;display:inline-block;position:relative}.hero-highlight:after{content:"";position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(120deg,#fcd34d,#f59e0b);border-radius:2px}.hero-cta-buttons{display:flex;gap:16px;flex-wrap:wrap;margin-top:32px;animation:fadeInLeft .8s ease-out .5s both}.hero-cta{display:inline-flex;align-items:center;gap:12px;padding:16px 36px;border-radius:50px;font-size:17px;font-weight:700;text-decoration:none;transition:all .3s cubic-bezier(.4,0,.2,1);box-shadow:0 4px 20px #00000026;white-space:nowrap;position:relative;overflow:hidden}.hero-cta:before{content:"";position:absolute;top:50%;left:50%;width:0;height:0;border-radius:50%;background:#ffffff4d;transform:translate(-50%,-50%);transition:width .6s,height .6s}.hero-cta:hover:before{width:300px;height:300px}.hero-cta .cta-text{position:relative;z-index:1}.hero-cta-primary{background:linear-gradient(135deg,#0077b6,#00b4d8);color:#fff;border:2px solid transparent}.hero-cta-primary:hover{transform:translateY(-3px) scale(1.02);box-shadow:0 8px 30px #0077b666}.cta-arrow{font-size:20px;font-weight:700;transition:transform .3s ease;display:inline-block}.hero-cta-primary:hover .cta-arrow{transform:translate(5px)}.hero-cta-secondary{background:#fff;color:#0077b6;border:2px solid #0077B6}.hero-cta-secondary:hover{background:#0077b6;color:#fff;transform:translateY(-3px) scale(1.02);box-shadow:0 8px 30px #0077b666}.phone-icon{width:18px;height:18px;transition:transform .3s ease}.hero-cta-secondary:hover .phone-icon{transform:rotate(15deg)}.hero-trust-indicators{display:flex;gap:24px;margin-top:40px;flex-wrap:wrap;animation:fadeInLeft .8s ease-out .6s both}.trust-item{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:#475569;background:#f1f5f9;padding:8px 18px;border-radius:30px;border:1px solid #e2e8f0}.trust-icon{font-size:16px;color:#22c55e;font-weight:700}@media (max-width: 1200px){.hero-container{gap:40px}.hero-title{font-size:48px}.hero-subtitle{font-size:20px}}@media (max-width: 968px){.hero{padding:80px 0 0;min-height:auto}.hero-container{grid-template-columns:1fr;gap:0;padding:0}.hero-right{order:-1;position:relative;width:100%;margin-left:0;padding-left:0;min-height:400px;top:auto;bottom:auto;right:auto}.hero-image-container{position:relative;width:100%;height:400px;clip-path:none;border-radius:0;top:auto;bottom:auto}.hero-left{order:1;text-align:center;padding:36px 32px 150px}.hero-badge{margin-bottom:20px}.hero-title{font-size:42px;margin-bottom:18px;line-height:1.15}.hero-subtitle{font-size:19px;line-height:1.5;margin-bottom:28px}.hero-cta-buttons{justify-content:center;gap:14px;margin-bottom:28px}.hero-cta{padding:15px 36px;font-size:17px}.hero-trust-indicators{justify-content:center;gap:14px}.trust-item{font-size:14px;padding:9px 18px}}@media (max-width: 640px){.hero{padding:70px 0 0;min-height:auto}.hero-container{padding:0;gap:0}.hero-right{order:-1;position:relative;width:100%;top:auto;bottom:auto;right:auto}.hero-image-container{position:relative;width:100%;height:280px;border-radius:0;top:auto;bottom:auto}.hero-left{order:1;padding:32px 24px 28px;text-align:center}.hero-badge{font-size:14px;padding:10px 22px;margin-bottom:24px}.hero-title{font-size:36px;letter-spacing:-.8px;line-height:1.1;margin-bottom:20px}.hero-title-main{font-size:1em;display:block;margin-bottom:6px}.hero-title-sub{font-size:.65em;display:block}.hero-subtitle{font-size:18px;line-height:1.5;margin-bottom:32px;padding:0 8px}.hero-highlight{font-size:1.15em;font-weight:800;display:inline-block;margin-top:4px}.hero-cta-buttons{flex-direction:column;gap:14px;margin-bottom:32px}.hero-cta{width:100%;max-width:100%;justify-content:center;padding:16px 32px;font-size:17px}.hero-cta-primary{font-size:18px}.hero-trust-indicators{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:32px;justify-items:center}.trust-item{font-size:14px;padding:10px 18px;width:100%;justify-content:center}.trust-item:last-child{grid-column:1 / -1;max-width:180px}.trust-icon{font-size:17px}.placeholder-overlay{padding:30px 20px}.placeholder-icon{width:50px;height:50px}.placeholder-text{font-size:14px}.placeholder-hint{font-size:12px}}@media (max-width: 400px){.hero-left{padding:28px 20px 24px}.hero-title{font-size:32px}.hero-subtitle{font-size:16px}.hero-cta{padding:14px 28px;font-size:16px}.hero-cta-primary{font-size:17px}.trust-item{font-size:13px;padding:9px 14px}}.stats-section{background:linear-gradient(135deg,#0077b6,#00b4d8);padding:30px 0;margin-top:-190px;position:relative;overflow:hidden;width:100%;z-index:10}.stats-section:before{content:"";position:absolute;top:0;left:0;right:0;bottom:0;background:radial-gradient(circle at 20% 50%,rgba(255,255,255,.08) 0%,transparent 50%),radial-gradient(circle at 80% 80%,rgba(255,255,255,.08) 0%,transparent 50%);pointer-events:none}.stats-grid{max-width:1400px;margin:0 auto;padding:0 40px;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative;z-index:1}.stat-card{background:#ffffff26;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-radius:16px;padding:24px 16px;text-align:center;border:2px solid rgba(255,255,255,.25);transition:all .4s cubic-bezier(.4,0,.2,1);animation:fadeInUp .6s ease-out both;box-shadow:0 8px 20px #00000026;cursor:pointer}@keyframes fadeInUp{0%{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}.stat-card:hover{transform:translateY(-12px) scale(1.02);background:#ffffff40;border-color:#ffffff80;box-shadow:0 20px 50px #0000004d}.stat-icon{width:32px;height:32px;margin:0 auto 12px;display:flex;align-items:center;justify-content:center;color:#fff;transition:all .4s ease}.stat-icon svg{width:100%;height:100%;filter:drop-shadow(0 2px 8px rgba(0,0,0,.2))}.stat-card:hover .stat-icon{transform:scale(1.15) rotate(5deg);filter:drop-shadow(0 4px 12px rgba(255,255,255,.4))}.stat-value{font-size:32px;font-weight:800;color:#fff;margin-bottom:6px;line-height:1;text-shadow:0 2px 10px rgba(0,0,0,.2);letter-spacing:-1px;transition:all .3s ease}.stat-card:hover .stat-value{transform:scale(1.05);text-shadow:0 4px 15px rgba(0,0,0,.3)}.stat-label{font-size:11px;font-weight:700;color:#ffffffe6;letter-spacing:.8px;text-transform:uppercase;margin-top:6px;transition:all .3s ease}.stat-card:hover .stat-label{color:#fff;letter-spacing:1.2px}@media (max-width: 1200px){.stats-grid{gap:16px;padding:0 40px}.stat-value{font-size:28px}.stat-icon{width:28px;height:28px}}@media (max-width: 968px){.stats-section{padding:30px 0;margin-top:-100px}.stats-grid{grid-template-columns:repeat(2,1fr);gap:16px;padding:0 32px}.stat-card{padding:20px 12px}.stat-value{font-size:26px}.stat-icon{width:26px;height:26px}.stat-label{font-size:10px}}@media (max-width: 640px){.stats-section{padding:24px 0;margin-top:0}.stats-grid{grid-template-columns:repeat(2,1fr);gap:12px;padding:0 20px}.stat-card{padding:20px 16px}.stat-value{font-size:24px}.stat-icon{width:24px;height:24px;margin-bottom:10px}.stat-label{font-size:10px}}.benefits{padding:100px 0;background:linear-gradient(180deg,#fff,#f8fafc);position:relative;overflow:hidden}.benefits:before{content:"";position:absolute;top:0;left:0;right:0;bottom:0;background-image:radial-gradient(circle at 20% 50%,rgba(47,151,218,.03) 0%,transparent 50%),radial-gradient(circle at 80% 80%,rgba(0,150,214,.03) 0%,transparent 50%);pointer-events:none}.benefits>.container{position:relative;z-index:1}.benefits-intro{text-align:left;max-width:100%;margin:0 0 60px;animation:fadeInUp .6s ease-out}@keyframes fadeInUp{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.benefits-title{font-size:42px;font-weight:700;color:#0f1720;margin-bottom:20px;letter-spacing:-.5px;line-height:1.2}.benefits-title:after{content:"";display:block;width:60px;height:4px;background:linear-gradient(90deg,#2f97da,#0096d6);margin:20px 0 0;border-radius:2px}.benefits-subtitle{font-size:19px;color:#475569;line-height:1.7;margin-bottom:0;max-width:900px}.benefits-content-wrapper{display:grid;grid-template-columns:40% 60%;gap:60px;align-items:start;margin-bottom:80px}.benefits-image-column{position:relative}.benefits-image-container{width:100%;height:100%;border-radius:20px;overflow:hidden;box-shadow:0 10px 40px #0000001f;position:sticky;top:180px}.benefits-image{width:100%;height:100%;object-fit:contain;object-position:center center;display:block;background:#f8fafc}.benefits-cards-column{display:flex;align-items:center}.benefits-process{background:linear-gradient(135deg,#e6f3fb,#d1ebfa);border-radius:16px;padding:40px;text-align:left;box-shadow:0 4px 20px #2f97da14,0 1px 3px #0000000d;border:1px solid rgba(47,151,218,.1);position:relative;overflow:hidden}.benefits-process:before{content:"";position:absolute;top:-50%;right:-50%;width:200px;height:200px;background:radial-gradient(circle,rgba(255,255,255,.3) 0%,transparent 70%);pointer-events:none}.benefits-process h3{font-size:22px;font-weight:700;color:#0f1720;margin-bottom:24px;position:relative}.benefits-process ol{list-style:none;counter-reset:step;padding:0}.benefits-process li{counter-increment:step;font-size:17px;color:#1e293b;padding-left:50px;position:relative;margin-bottom:20px;line-height:1.6;font-weight:500}.benefits-process li:last-child{margin-bottom:0}.benefits-process li:before{content:counter(step);position:absolute;left:0;top:-2px;background:linear-gradient(135deg,#2f97da,#0096d6);color:#fff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;box-shadow:0 4px 12px #2f97da4d}.benefits-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;width:100%}.benefit-card{background:#fff;border-radius:16px;padding:36px 28px;text-align:center;transition:all .4s cubic-bezier(.4,0,.2,1);border:1px solid #E2E8F0;box-shadow:0 2px 8px #0000000a;position:relative;overflow:hidden}.benefit-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,#2f97da,#0096d6);transform:scaleX(0);transform-origin:left;transition:transform .4s cubic-bezier(.4,0,.2,1)}.benefit-card:hover:before{transform:scaleX(1)}.benefit-card:hover{transform:translateY(-8px);box-shadow:0 12px 32px #2f97da26,0 4px 12px #00000014;border-color:#2f97da}.benefit-icon{font-size:56px;margin-bottom:20px;height:80px;display:flex;align-items:center;justify-content:center;transition:transform .4s cubic-bezier(.4,0,.2,1)}.benefit-card:hover .benefit-icon{transform:scale(1.15) rotate(5deg)}.benefit-icon svg{max-width:72px;max-height:72px;filter:drop-shadow(0 4px 12px rgba(0,0,0,.08));transition:filter .4s ease}.benefit-card:hover .benefit-icon svg{filter:drop-shadow(0 6px 16px rgba(47,151,218,.3))}.benefit-icon img{max-width:72px;max-height:72px;object-fit:contain;filter:drop-shadow(0 4px 8px rgba(0,0,0,.1))}.benefit-title{font-size:21px;font-weight:700;color:#0f1720;margin-bottom:12px;line-height:1.3}.benefit-description{font-size:16px;color:#475569;line-height:1.7}.benefits-highlight{background:linear-gradient(135deg,#2f97da,#0096d6);color:#fff;border-radius:16px;padding:40px 48px;text-align:center;box-shadow:0 8px 32px #2f97da40,0 2px 8px #00000014;position:relative;overflow:hidden}.benefits-highlight:before{content:"";position:absolute;top:-50%;left:-50%;width:200%;height:200%;background:radial-gradient(circle,rgba(255,255,255,.1) 0%,transparent 70%);animation:shimmer 8s linear infinite}@keyframes shimmer{0%{transform:rotate(0)}to{transform:rotate(360deg)}}.benefits-highlight p{font-size:22px;line-height:1.7;margin:0;position:relative;z-index:1;font-weight:500}.benefits-highlight strong{font-weight:800;background:#fff3;padding:2px 8px;border-radius:4px}@media (max-width: 1024px){.benefits-content-wrapper{gap:40px}.benefits-image-container{top:160px}}@media (max-width: 968px){.benefits-content-wrapper{grid-template-columns:1fr;gap:0;margin-bottom:60px}.benefits-image-column{order:-1;width:100vw;margin-left:calc(-50vw + 50%);margin-bottom:40px}.benefits-image-container{position:relative;top:auto;max-height:500px;border-radius:0;box-shadow:none}.benefits-image{min-height:400px;object-fit:contain;object-position:center center}.benefits-cards-column{order:1}.benefits-grid{grid-template-columns:repeat(2,1fr)}.benefit-card{text-align:center;display:flex;flex-direction:column;align-items:center}.benefit-icon{margin-left:auto;margin-right:auto}}@media (max-width: 768px){.benefits{padding:70px 0}.benefits-intro{margin-bottom:40px}.benefits-title{font-size:32px}.benefits-subtitle{font-size:17px}.benefits-content-wrapper{gap:0}.benefits-image-column{margin-bottom:32px}.benefits-image{min-height:320px;object-fit:contain;object-position:center center}.benefits-image-container{max-height:400px;border-radius:0}.benefits-process{padding:28px}.benefits-process h3{font-size:20px}.benefits-process li{font-size:16px;padding-left:45px}.benefits-process li:before{width:32px;height:32px;font-size:15px}.benefits-grid{grid-template-columns:repeat(2,1fr);gap:16px}.benefits-image{min-height:280px;object-fit:contain;object-position:center center}.benefits-image-container{max-height:350px;border-radius:0}.benefits-image-column{margin-bottom:24px}.benefit-card{padding:24px 20px;text-align:center;display:flex;flex-direction:column;align-items:center}.benefit-title{font-size:18px;text-align:center}.benefit-description{font-size:14px;text-align:center}.benefit-icon{width:56px;height:56px;margin-left:auto;margin-right:auto}.benefit-icon svg{width:28px;height:28px}.benefits-highlight{padding:32px 24px}.benefits-highlight p{font-size:18px}}@media (max-width: 480px){.benefits-title{font-size:28px}.benefits-subtitle{font-size:16px}.benefits-process{padding:24px 20px}}.how-it-works{margin:60px 0;padding:48px 32px;background:linear-gradient(135deg,#f8fafc,#f1f5f9);border-radius:20px;border:1px solid #E2E8F0}.how-it-works-title{text-align:center;font-size:36px;font-weight:700;color:#0f1720;margin-bottom:16px;position:relative}.how-it-works-title:after{content:"";display:block;width:50px;height:3px;background:linear-gradient(90deg,#2f97da,#0096d6);margin:12px auto 0;border-radius:2px}.how-it-works-subtitle{text-align:center;font-size:18px;line-height:1.6;color:#64748b;margin:0 auto 48px;max-width:600px}.steps-container{display:flex;align-items:flex-start;justify-content:center;flex-wrap:wrap;gap:24px}.step-item{flex:1;min-width:200px;max-width:240px;min-height:280px;text-align:center;padding:28px 20px;background:#fff;border-radius:16px;box-shadow:0 2px 8px #0000000a;border:1px solid #E2E8F0;transition:all .3s cubic-bezier(.4,0,.2,1);position:relative;display:flex;flex-direction:column;align-items:center}.step-item:hover{transform:translateY(-6px);box-shadow:0 12px 28px #2f97da26;border-color:#2f97da}.step-number{position:absolute;top:-12px;left:20px;background:linear-gradient(135deg,#2f97da,#0096d6);color:#fff;font-size:14px;font-weight:800;padding:4px 12px;border-radius:20px;box-shadow:0 4px 12px #2f97da4d}.step-icon{margin-bottom:16px;height:60px;min-height:60px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.step-icon svg{width:48px;height:48px;transition:transform .3s ease}.step-item:hover .step-icon svg{transform:scale(1.1)}.step-title{font-size:18px;font-weight:700;color:#0f1720;margin-bottom:12px;min-height:44px;display:flex;align-items:center;justify-content:center;text-align:center}.step-description{font-size:14px;line-height:1.6;color:#64748b;margin:0;flex:1;display:flex;align-items:flex-start}.step-connector{display:flex;align-items:center;justify-content:center;padding-top:40px;flex-shrink:0}.step-connector svg{opacity:.6}@media (max-width: 1024px){.steps-container{flex-direction:column;align-items:center}.step-item{max-width:100%;width:100%;min-height:260px}.step-connector{padding:12px 0}.step-connector svg{transform:rotate(90deg)}}@media (max-width: 768px){.how-it-works{padding:36px 24px}.how-it-works-title{font-size:28px;margin-bottom:12px}.how-it-works-subtitle{font-size:16px;margin-bottom:36px}.step-item{padding:24px 16px;min-height:240px}.step-icon{height:50px;min-height:50px}.step-icon svg{width:40px;height:40px}.step-title{font-size:17px;min-height:40px}.step-description{font-size:13px}}.testimonial-section{margin:60px 0 50px}.testimonial-heading{text-align:center;font-size:28px;font-weight:700;color:#0f1720;margin-bottom:40px;position:relative}.testimonial-heading:after{content:"";display:block;width:50px;height:3px;background:linear-gradient(90deg,#2f97da,#0096d6);margin:12px auto 0;border-radius:2px}.testimonial-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:28px}.testimonial-card{background:#fff;border-radius:16px;padding:32px;box-shadow:0 2px 8px #0000000a;border:1px solid #E2E8F0;position:relative;transition:all .3s cubic-bezier(.4,0,.2,1)}.testimonial-card:hover{transform:translateY(-4px);box-shadow:0 8px 24px #2f97da1f;border-color:#2f97da4d}.quote-icon{font-size:64px;font-family:Georgia,serif;color:#2f97da26;line-height:1;margin-bottom:-20px;font-weight:700}.testimonial-quote{font-size:16px;line-height:1.7;color:#334155;margin-bottom:24px;font-style:italic}.testimonial-author{display:flex;align-items:center;gap:16px;padding-top:20px;border-top:1px solid #E2E8F0}.author-avatar{width:48px;height:48px;border-radius:50%;background:linear-gradient(135deg,#e6f3fb,#d1ebfa);display:flex;align-items:center;justify-content:center;font-size:24px;flex-shrink:0}.author-info{flex:1}.author-name{font-size:16px;font-weight:700;color:#0f1720;margin-bottom:4px}.author-location{font-size:14px;color:#64748b}@media (max-width: 768px){.testimonial-heading{font-size:24px}.testimonial-grid{grid-template-columns:1fr;gap:20px}.testimonial-card{padding:24px}.testimonial-quote{font-size:15px}}.visual-divider{display:flex;align-items:center;justify-content:center;margin:50px 0;gap:16px}.divider-line{flex:1;height:2px;background:linear-gradient(90deg,transparent 0%,#E2E8F0 50%,transparent 100%);max-width:200px}.divider-icon{flex-shrink:0}.divider-icon svg{display:block;filter:drop-shadow(0 2px 4px rgba(0,0,0,.1))}@media (max-width: 768px){.visual-divider{margin:40px 0}.divider-line{max-width:80px}.divider-icon svg{width:32px;height:32px}}.referral-form-section{padding:80px 0;background:linear-gradient(135deg,#f1f5f9,#e6f3fb);min-height:100vh}.form-header{text-align:center;margin-bottom:48px}.form-header h2{font-size:40px;font-weight:700;color:#0f1720;margin-bottom:12px;letter-spacing:-.02em}.form-subtitle{font-size:18px;color:#64748b;margin-bottom:40px;font-weight:400}.step-indicator{display:flex;align-items:center;justify-content:center;gap:16px;max-width:500px;margin:0 auto}.step{display:flex;align-items:center;gap:12px;opacity:.5;transition:all .4s cubic-bezier(.4,0,.2,1)}.step.active{opacity:1}.step.completed .step-number{background:#10b981;color:#fff;font-size:16px}.step-number{width:48px;height:48px;border-radius:50%;background:#cbd5e1;color:#334155;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:20px;transition:all .4s cubic-bezier(.4,0,.2,1);box-shadow:0 2px 8px #00000014}.step.active .step-number{background:#2f97da;color:#fff;box-shadow:0 4px 16px #2f97da59;transform:scale(1.05)}.step-label{font-size:16px;font-weight:600;color:#334155}.step-divider{width:60px;height:3px;background:#cbd5e1;border-radius:2px}.referral-form{background:#fff;border-radius:20px;padding:56px 56px 48px;box-shadow:0 4px 24px #00000014,0 0 0 1px #0000000a;max-width:750px;margin:0 auto;animation:slideUpFadeIn .5s ease-out}@keyframes slideUpFadeIn{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.form-step-header{margin-bottom:36px;padding-bottom:24px;border-bottom:2px solid #F1F5F9}.form-step h3{font-size:28px;font-weight:700;color:#0f1720;margin-bottom:8px;letter-spacing:-.01em}.form-step-description{font-size:15px;color:#64748b;margin:0;line-height:1.5}.form-section-divider{display:flex;align-items:center;margin:32px 0 28px;position:relative}.form-section-divider:before,.form-section-divider:after{content:"";flex:1;height:2px;background:linear-gradient(90deg,transparent,#E2E8F0,transparent)}.divider-label{padding:0 16px;font-size:14px;font-weight:600;color:#2f97da;white-space:nowrap;display:flex;align-items:center;gap:8px}.divider-label svg{flex-shrink:0}.form-group{margin-bottom:24px}.form-group label{display:flex;align-items:center;gap:4px;font-size:14px;font-weight:700;color:#0f1720;margin-bottom:10px;letter-spacing:.01em}.label-text{flex:1}.required-indicator{color:#ef4444;font-size:16px;font-weight:700}.input-wrapper{position:relative;display:flex;align-items:center}.input-wrapper.flex-1{flex:1}.input-icon{position:absolute;left:16px;display:flex;align-items:center;justify-content:center;pointer-events:none;z-index:1;color:#64748b;transition:color .3s ease}.input-wrapper input:focus~.input-icon,.input-wrapper:focus-within .input-icon{color:#2f97da}.form-group input,.form-group select{width:100%;padding:14px 16px 14px 48px;border:2px solid #E2E8F0;border-radius:12px;font-size:16px;color:#0f1720;transition:all .3s cubic-bezier(.4,0,.2,1);background:#fff;font-family:inherit;outline:none}.form-group input:hover,.form-group select:hover{border-color:#cbd5e1}.form-group input:focus,.form-group select:focus{border-color:#2f97da;box-shadow:0 0 0 4px #2f97da1f;transform:translateY(-1px)}.form-group input.error,.form-group select.error{border-color:#ef4444;background:#fef2f2}.form-group input.error:focus,.form-group select.error:focus{box-shadow:0 0 0 4px #ef44441f}.form-group input.readonly,.form-group input[readonly]{background:#f8fafc;cursor:not-allowed;opacity:.7}.form-group input::placeholder{color:#94a3b8}.select-wrapper{position:relative}.select-wrapper select{-webkit-appearance:none;-moz-appearance:none;appearance:none;padding-right:48px;cursor:pointer}.select-arrow{position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:10px;color:#64748b;pointer-events:none}.error-message{display:flex;align-items:center;gap:6px;font-size:13px;color:#ef4444;margin-top:8px;font-weight:500;animation:slideDown .3s ease-out}.error-message:before{content:"•";font-size:18px;font-weight:700}@keyframes slideDown{0%{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:translateY(0)}}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}.submit-message{padding:16px 20px;border-radius:12px;margin:24px 0;display:flex;align-items:flex-start;gap:14px;animation:slideDown .4s ease-out}.submit-message svg{flex-shrink:0;margin-top:2px}.submit-message strong{display:block;font-size:16px;font-weight:700;margin-bottom:4px}.submit-message p{margin:0;font-size:14px;line-height:1.5}.success-message{background:linear-gradient(135deg,#d1fae5,#ecfdf5);border-left:4px solid #10B981;color:#065f46}.success-message svg{color:#10b981}.error-message{background:linear-gradient(135deg,#fee2e2,#fef2f2);border-left:4px solid #EF4444;color:#991b1b}.error-message svg{color:#ef4444}.referral-info{background:linear-gradient(135deg,#e6f3fb,#f0f9ff);border-left:4px solid #2F97DA;padding:20px 24px;border-radius:12px;margin:32px 0 28px;display:flex;align-items:flex-start;gap:16px;box-shadow:0 2px 8px #2f97da14}.referral-info-icon{flex-shrink:0;line-height:1;color:#2f97da;display:flex;align-items:center;justify-content:center}.referral-info-icon svg{flex-shrink:0}.referral-info-content h4{font-size:18px;font-weight:700;color:#0f1720;margin:0 0 6px}.referral-info-content p{margin:0;font-size:15px;color:#334155;line-height:1.5}.form-actions{display:flex;gap:16px;justify-content:flex-end;margin-top:40px;padding-top:32px;border-top:2px solid #F1F5F9}.btn-primary,.btn-secondary{padding:15px 32px;border-radius:12px;font-size:16px;font-weight:700;border:2px solid transparent;transition:all .3s cubic-bezier(.4,0,.2,1);cursor:pointer;display:flex;align-items:center;gap:10px;font-family:inherit;outline:none}.btn-primary{background:#2f97da;color:#fff;border-color:#2f97da;box-shadow:0 2px 8px #2f97da40}.btn-primary:hover{background:#1e86c9;border-color:#1e86c9;transform:translateY(-3px);box-shadow:0 8px 24px #2f97da59}.btn-primary:focus{box-shadow:0 0 0 4px #2f97da4d,0 8px 24px #2f97da59}.btn-primary:active{transform:translateY(-1px)}.btn-primary:disabled{background:#94a3b8;border-color:#94a3b8;cursor:not-allowed;transform:none;box-shadow:none}.btn-primary:disabled:hover{background:#94a3b8;border-color:#94a3b8;transform:none}.btn-primary svg{flex-shrink:0}.spinner{animation:spin 1s linear infinite}@keyframes spin{0%{transform:rotate(0)}to{transform:rotate(360deg)}}.btn-secondary{background:#fff;color:#2f97da;border-color:#e2e8f0;box-shadow:0 1px 3px #00000014}.btn-secondary:hover{background:#f8fafc;border-color:#2f97da;transform:translateY(-2px);box-shadow:0 4px 16px #2f97da26}.btn-secondary:focus{border-color:#2f97da;box-shadow:0 0 0 4px #2f97da33}.btn-secondary:active{transform:translateY(0)}.btn-secondary svg{flex-shrink:0}@media (max-width: 768px){.referral-form-section{padding:60px 20px}.form-header h2{font-size:32px}.form-subtitle{font-size:16px;margin-bottom:32px}.step-label{display:none}.step-number{width:44px;height:44px;font-size:18px}.step-divider{width:40px}.referral-form{padding:40px 24px;border-radius:16px}.form-step h3{font-size:24px}.form-step-description{font-size:14px}.form-step-header{margin-bottom:28px;padding-bottom:20px}.form-row{grid-template-columns:1fr;gap:16px}.submit-message{padding:14px 16px;gap:12px}.submit-message strong{font-size:15px}.submit-message p{font-size:13px}.referral-info{padding:18px 20px;flex-direction:column;align-items:center;text-align:center}.referral-info-icon svg{width:48px;height:48px}.form-actions{flex-direction:column-reverse;margin-top:32px;padding-top:24px}.btn-primary,.btn-secondary{width:100%;justify-content:center;padding:16px 28px}.form-group input,.form-group select{font-size:16px}}@media (max-width: 480px){.form-header h2{font-size:28px}.form-subtitle{font-size:15px}.referral-form{padding:32px 20px}.form-step h3{font-size:22px}.form-section-divider{margin:24px 0 20px}.divider-label{font-size:13px;padding:0 12px}}@media (prefers-reduced-motion: reduce){*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}.btn-primary:focus-visible,.btn-secondary:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #2F97DA;outline-offset:2px}@media (prefers-contrast: high){.form-group input,.form-group select,.btn-primary,.btn-secondary{border-width:3px}}.footer{background:#f1f5f9;padding:48px 0 24px;margin-top:auto}.footer-content{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:32px;margin-bottom:32px}.footer-section h3{font-size:20px;font-weight:700;color:#0f1720;margin-bottom:12px}.footer-section h4{font-size:16px;font-weight:600;color:#0f1720;margin-bottom:12px}.footer-section p{font-size:14px;color:#334155;line-height:1.6;margin-bottom:8px}.footer-section a{color:#2f97da;text-decoration:none;font-weight:500}.footer-section a:hover{color:#1e86c9;text-decoration:underline}.footer-section ul{list-style:none;padding:0}.footer-section li{font-size:14px;color:#334155;margin-bottom:8px}.footer-bottom{border-top:1px solid #E2E8F0;padding-top:24px;text-align:center}.footer-bottom p{font-size:14px;color:#64748b;margin:0}@media (max-width: 768px){.footer{padding:32px 0 16px}.footer-content{grid-template-columns:1fr;gap:24px}}.app{min-height:100vh;display:flex;flex-direction:column}.container{max-width:1200px;margin:0 auto;padding:0 24px;width:100%}.success-message{padding:80px 0;background:#f1f5f9}.success-card{background:#fff;border-radius:14px;padding:48px;text-align:center;box-shadow:0 2px 6px #0000001a;max-width:600px;margin:0 auto}.success-icon{width:80px;height:80px;background:#2e7d32;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:48px;margin:0 auto 24px}.success-card h2{font-size:30px;font-weight:700;color:#0f1720;margin-bottom:16px}.success-card p{font-size:18px;color:#334155}@media (max-width: 768px){.container{padding:0 16px}.success-card{padding:32px 24px}}