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

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
    color: #333;
    line-height: 1.6;
    scroll-behavior: smooth;
    overflow-x: hidden;
}

::-webkit-scrollbar {
    width: 12px;
}

::-webkit-scrollbar-track {
    background: linear-gradient(180deg, #1a1a1a 0%, #2d2d2d 100%);
}

::-webkit-scrollbar-thumb {
    background: linear-gradient(180deg, #F47920 0%, #d66a1a 100%);
    border-radius: 6px;
    border: 2px solid #1a1a1a;
}

::-webkit-scrollbar-thumb:hover {
    background: linear-gradient(180deg, #ff8c3a 0%, #F47920 100%);
}

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

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

section {
    animation: fadeInUp 0.8s ease-out;
}

header {
    background: linear-gradient(135deg, #1a1a1a 0%, #2d2d2d 25%, #3a3a3a 50%, #2d2d2d 75%, #1a1a1a 100%);
    padding: 20px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 4px 20px rgba(0,0,0,0.4), 0 0 40px rgba(255,255,255,0.03) inset;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

header::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
}

.header-container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0 20px;
    position: relative;
}

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    z-index: 1002;
    background: none;
    border: none;
    padding: 10px;
}

.hamburger span {
    width: 28px;
    height: 3px;
    background: white;
    margin: 4px 0;
    transition: all 0.3s ease;
    border-radius: 3px;
}

.hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(9px, 9px);
}

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

.hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(8px, -8px);
}

.logo {
    color: white;
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.logo-name {
    font-family: 'Dancing Script', cursive;
    font-size: 32px;
    font-weight: 700;
    line-height: 1;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.3), 0 0 20px rgba(255,255,255,0.1);
}

.logo-subtitle {
    font-size: 9px;
    font-weight: 400;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    opacity: 0.95;
}

nav ul {
    list-style: none;
    display: flex;
    gap: 30px;
}

nav a {
    color: white;
    text-decoration: none;
    font-weight: 500;
    font-size: 15px;
    transition: all 0.3s;
    position: relative;
    padding: 8px 0;
}

.testimonials .section-header {
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 0;
    height: 2px;
    background: linear-gradient(90deg, #F47920, #ff8c3a);
    transition: width 0.3s ease;
}

nav a:hover {
    color: #F47920;
}

nav a:hover::after {
    width: 100%;
}

.cta-header {
    background: linear-gradient(135deg, #F47920 0%, #d66a1a 100%);
    color: white;
    padding: 12px 25px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(244, 121, 32, 0.3);
}

.cta-header:hover {
    background: linear-gradient(135deg, #d66a1a 0%, #F47920 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(244, 121, 32, 0.5);
}

.hero {
    background: linear-gradient(135deg, #0f2847 0%, #1e3a5f 25%, #2d5a8a 50%, #1e3a5f 75%, #0f2847 100%);
    color: white;
    padding: 60px 20px 0;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        linear-gradient(45deg, transparent 30%, rgba(255,255,255,0.03) 50%, transparent 70%),
        repeating-linear-gradient(
            90deg,
            rgba(255,255,255,0.02) 0px,
            transparent 2px,
            transparent 4px,
            rgba(255,255,255,0.02) 6px
        );
    pointer-events: none;
}

.hero::after {
    content: '';
    position: absolute;
    top: 0;
    left: -50%;
    width: 200%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.05), transparent);
    animation: shine 8s infinite;
    pointer-events: none;
}

@keyframes shine {
    0%, 100% {
        transform: translateX(-100%);
    }
    50% {
        transform: translateX(100%);
    }
}

.hero-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-tag {
    font-size: 48px;
    text-transform: uppercase;
    letter-spacing: 3px;
    margin-bottom: 30px;
    color: #F47920;
    font-weight: 800;
    text-shadow: 3px 3px 6px rgba(0,0,0,0.3);
    line-height: 1.3;
}

.hero-banks {
    display: flex;
    gap: 30px;
    align-items: center;
    margin-bottom: 35px;
    flex-wrap: wrap;
}

.hero-banks img {
    height: 80px;
    width: auto;
    object-fit: contain;
    padding: 8px;
    background: transparent;
    border-radius: 12px;
    border: 1px solid #F47920;
    box-shadow: 0 4px 20px rgba(244, 121, 32, 0.25);
    transition: all 0.3s ease;
}

.hero-banks img:hover {
    transform: translateY(-5px) scale(1.05);
    box-shadow: 0 8px 30px rgba(244, 121, 32, 0.4);
    border-color: #ff8c3a;
}

.hero-content h1 {
    font-size: 52px;
    margin-bottom: 20px;
    line-height: 1.2;
    font-weight: 700;
}

.hero-content p {
    font-size: 16px;
    margin-bottom: 30px;
    line-height: 1.6;
}

.cta-button {
    background: linear-gradient(135deg, #F47920 0%, #ff8c3a 50%, #F47920 100%);
    color: white;
    padding: 16px 35px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    font-size: 15px;
    display: inline-block;
    transition: all 0.3s ease;
    box-shadow: 0 6px 20px rgba(244, 121, 32, 0.4), inset 0 1px 0 rgba(255,255,255,0.3);
    position: relative;
    overflow: hidden;
}

.cta-button::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.3), transparent);
    transition: left 0.5s;
}

.cta-button:hover::before {
    left: 100%;
}

.cta-button:hover {
    background: linear-gradient(135deg, #ff8c3a 0%, #F47920 50%, #ff8c3a 100%);
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(244, 121, 32, 0.5), inset 0 1px 0 rgba(255,255,255,0.4);
}

.hero-image {
    text-align: right;
    display: flex;
    align-items: flex-end;
    justify-content: flex-end;
    margin: 0;
    padding: 0;
    position: relative;
    overflow: hidden;
    align-self: end;
}

.hero-image img {
    max-width: 100%;
    height: auto;
    display: block;
    object-fit: contain;
}

.services {
    padding: 80px 20px 0;
    background: linear-gradient(135deg, #f8f9fa 0%, #f0f2f5 100%);
}

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

.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-tag {
    color: #F47920;
    font-size: 16px;
    text-transform: uppercase;
    letter-spacing: 3px;
    margin-bottom: 15px;
    font-weight: 700;
    position: relative;
    display: inline-block;
    padding-bottom: 8px;
}

.section-tag::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 50%;
    height: 2px;
    background: linear-gradient(90deg, #F47920, transparent);
}

.section-header h2 {
    font-size: 44px;
    color: #333;
    margin-bottom: 15px;
    font-weight: 700;
    position: relative;
    display: inline-block;
}

.section-header h2::after {
    content: '';
    position: absolute;
    bottom: -10px;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 4px;
    background: linear-gradient(90deg, #F47920, #2d5a8a);
    border-radius: 2px;
}

.services-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
}

.services-image {
    background: none;
    padding: 0;
    border-radius: 10px;
    position: relative;
    overflow: hidden;
    display: flex;
    align-items: flex-end;
    justify-content: flex-start;
    min-height: 500px;
    align-self: end;
}

.services-image img {
    width: 100%;
    height: 100%;
    object-fit: contain;
    object-position: center;
    border-radius: 10px;
    display: block;
    max-height: 600px;
    transform: scale(1.1);
}

.services-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 35px;
}

.service-item {
    display: flex;
    gap: 18px;
    min-height: 160px;
    transition: transform 0.3s ease;
}

.service-item:hover {
    transform: translateX(5px);
}

.service-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, #0f2847 0%, #1e3a5f 50%, #2d5a8a 100%);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 12px;
    font-size: 28px;
    flex-shrink: 0;
    box-shadow: 0 6px 20px rgba(30, 58, 95, 0.35), inset 0 1px 0 rgba(255,255,255,0.2);
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
}

.service-icon::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: linear-gradient(45deg, transparent, rgba(255,255,255,0.1), transparent);
    transform: rotate(45deg);
    transition: all 0.5s;
}

.service-item:hover .service-icon {
    transform: scale(1.15) rotate(5deg);
    box-shadow: 0 10px 30px rgba(30, 58, 95, 0.5), inset 0 1px 0 rgba(255,255,255,0.3);
}

.service-item:hover .service-icon::before {
    left: 150%;
}

.service-content h3 {
    font-size: 22px;
    margin-bottom: 12px;
    color: #333;
    font-weight: 700;
    position: relative;
    display: inline-block;
}

.service-content p {
    color: #666;
    font-size: 16px;
    line-height: 1.7;
}

.service-item:hover h3 {
    color: #2d5a8a;
}

.process {
    padding: 80px 20px;
    background: linear-gradient(135deg, #0f2847 0%, #1e3a5f 25%, #2d5a8a 50%, #1e3a5f 75%, #0f2847 100%);
    color: white;
    position: relative;
    overflow: hidden;
}

.process::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        repeating-linear-gradient(
            0deg,
            rgba(255,255,255,0.02) 0px,
            transparent 2px,
            transparent 4px,
            rgba(255,255,255,0.02) 6px
        ),
        repeating-linear-gradient(
            90deg,
            rgba(255,255,255,0.02) 0px,
            transparent 2px,
            transparent 4px,
            rgba(255,255,255,0.02) 6px
        );
    pointer-events: none;
}

.section-header.white h2 {
    color: white;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-top: 50px;
    margin-bottom: 50px;
}

.process-step {
    background: linear-gradient(135deg, #ffffff 0%, #f8f9fa 100%);
    padding: 0;
    border-radius: 15px;
    box-shadow: 0 8px 30px rgba(0,0,0,0.15), inset 0 1px 0 rgba(255,255,255,0.8);
    overflow: hidden;
    transition: all 0.4s ease;
    border: 1px solid rgba(30, 58, 95, 0.1);
    position: relative;
}

.process-step::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, #1e3a5f, #2d5a8a, #F47920);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.process-step:hover {
    transform: translateY(-12px);
    box-shadow: 0 20px 50px rgba(0,0,0,0.2), inset 0 1px 0 rgba(255,255,255,1);
}

.process-step:hover::before {
    transform: scaleX(1);
}

.process-icon-wrapper {
    background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 50%, #f8f9fa 100%);
    padding: 35px;
    display: flex;
    justify-content: center;
    position: relative;
    overflow: hidden;
}

.process-icon-wrapper::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(30, 58, 95, 0.1), transparent);
    transition: left 0.6s;
}

.process-step:hover .process-icon-wrapper::before {
    left: 100%;
}

.process-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, #0f2847 0%, #1e3a5f 50%, #2d5a8a 100%);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 15px;
    font-size: 36px;
    box-shadow: 0 8px 25px rgba(30, 58, 95, 0.4), inset 0 2px 0 rgba(255,255,255,0.2), inset 0 -2px 0 rgba(0,0,0,0.2);
    position: relative;
    overflow: hidden;
}

.process-icon::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.3), transparent);
    transition: left 0.6s;
}

.process-step:hover .process-icon::before {
    left: 100%;
}

.process-step h3 {
    font-size: 19px;
    font-weight: 700;
    color: white;
    background: linear-gradient(135deg, #1e3a5f 0%, #2d5a8a 100%);
    padding: 18px 20px;
    text-align: center;
    margin: 0;
}

.process-step p {
    font-size: 15px;
    line-height: 1.7;
    color: #333;
    padding: 25px;
}

.correspondent {
    padding: 60px 20px;
    background: white;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.correspondent::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 5px;
    background: linear-gradient(90deg, transparent, #F47920, #2d5a8a, transparent);
}

.correspondent .section-tag {
    font-size: 20px;
}

.correspondent .section-header h2 {
    font-size: 48px;
}

.correspondent p {
    max-width: 1000px;
    margin: 0 auto 60px;
    color: #666;
    font-size: 20px;
    line-height: 1.8;
}

.benefits {
    padding: 60px 20px;
    background: linear-gradient(135deg, #f8f9fa 0%, #f0f2f5 100%);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    margin-top: 50px;
}

.benefit-card {
    background: linear-gradient(135deg, #ffffff 0%, #f8f9fa 100%);
    border-radius: 15px;
    overflow: hidden;
    box-shadow: 0 8px 30px rgba(0,0,0,0.1);
    transition: all 0.4s ease;
    border: 2px solid transparent;
    position: relative;
}

.benefit-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #1e3a5f, #2d5a8a, #F47920);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.benefit-card:hover {
    transform: translateY(-12px);
    box-shadow: 0 20px 50px rgba(30, 58, 95, 0.25);
    border-color: rgba(30, 58, 95, 0.2);
}

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

.benefit-card img {
    width: 100%;
    height: 250px;
    object-fit: cover;
    transition: transform 0.4s ease, filter 0.4s ease;
}

.benefit-card:hover img {
    transform: scale(1.08);
    filter: brightness(1.05);
}

.benefit-content {
    padding: 30px;
}

.benefit-content h3 {
    font-size: 24px;
    margin-bottom: 15px;
    color: #333;
    font-weight: 600;
}

.benefit-content p {
    color: #666;
    font-size: 15px;
    line-height: 1.7;
    margin-bottom: 25px;
}

.benefit-btn {
    background: linear-gradient(135deg, #F47920 0%, #d66a1a 100%);
    color: white;
    padding: 12px 25px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
    display: inline-block;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(244, 121, 32, 0.3);
}

.benefit-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(244, 121, 32, 0.4);
}

.testimonials {
    padding: 60px 20px;
    background: white;
}

.testimonials .section-tag {
    font-size: 20px;
}

.testimonials .section-header h2 {
    font-size: 48px;
}

.testimonial-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-top: 50px;
}

.testimonial-card {
    background: linear-gradient(135deg, #ffffff 0%, #f9f9f9 100%);
    padding: 35px;
    border-radius: 15px;
    box-shadow: 0 5px 25px rgba(0,0,0,0.08);
    transition: all 0.4s ease;
    border: 2px solid transparent;
    position: relative;
    overflow: hidden;
}

.testimonial-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 5px;
    background: linear-gradient(90deg, #1e3a5f, #2d5a8a, #F47920);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.testimonial-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 40px rgba(30, 58, 95, 0.25);
    border-color: #2d5a8a;
    background: linear-gradient(135deg, #f0f7ff 0%, #e6f2ff 100%);
}

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

.stars {
    color: #ffa500;
    margin-bottom: 20px;
    font-size: 22px;
    letter-spacing: 3px;
}

.testimonial-card p {
    margin-bottom: 20px;
    color: #666;
    font-size: 15px;
    line-height: 1.8;
    font-style: italic;
    position: relative;
    padding-left: 20px;
}

.testimonial-card p::before {
    content: '"';
    position: absolute;
    left: 0;
    top: -5px;
    font-size: 40px;
    color: #2d5a8a;
    opacity: 0.3;
    font-family: Georgia, serif;
}

.testimonial-author {
    font-weight: 600;
    color: #333;
    font-size: 15px;
}

.testimonial-role {
    color: #2d5a8a;
    font-size: 13px;
}

.blog-guides {
    padding: 80px 20px;
    background: linear-gradient(135deg, #0f2847 0%, #1e3a5f 25%, #2d5a8a 50%, #1e3a5f 75%, #0f2847 100%);
    color: white;
    position: relative;
    overflow: hidden;
}

.blog-guides::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        repeating-linear-gradient(
            135deg,
            rgba(255,255,255,0.02) 0px,
            transparent 2px,
            transparent 4px,
            rgba(255,255,255,0.02) 6px
        );
    pointer-events: none;
}

.blog-guides::after {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle, rgba(255,255,255,0.03) 0%, transparent 70%);
    animation: rotate 20s linear infinite;
    pointer-events: none;
}

@keyframes rotate {
    0% {
        transform: rotate(0deg);
    }
    100% {
        transform: rotate(360deg);
    }
}

.blog-guides .section-header h2 {
    color: #F47920;
    font-size: 42px;
    text-align: center;
    margin-bottom: 20px;
    font-weight: 700;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.3);
}

.blog-guides .section-header p {
    display: none;
}

.blog-guides .section-tag {
    display: none;
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    margin-top: 50px;
    position: relative;
    z-index: 1;
}

.blog-card {
    background: linear-gradient(135deg, rgba(255,255,255,0.95) 0%, rgba(248,249,250,0.95) 100%);
    padding: 25px;
    border-radius: 12px;
    box-shadow: 0 6px 20px rgba(0,0,0,0.12);
    transition: all 0.4s ease;
    border: 2px solid rgba(30, 58, 95, 0.1);
    position: relative;
    overflow: hidden;
}

.blog-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, #1e3a5f, #2d5a8a, #F47920);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.blog-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(0,0,0,0.2);
    border-color: rgba(30, 58, 95, 0.3);
}

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

.blog-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #0f2847 0%, #1e3a5f 50%, #2d5a8a 100%);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 12px;
    font-size: 24px;
    margin-bottom: 18px;
    box-shadow: 0 6px 18px rgba(30, 58, 95, 0.35);
    transition: all 0.3s ease;
}

.blog-card:hover .blog-icon {
    transform: scale(1.08) rotate(3deg);
}

.blog-card h3 {
    font-size: 18px;
    margin-bottom: 15px;
    color: #1e3a5f;
    font-weight: 700;
    line-height: 1.3;
}

.blog-card p {
    color: #555;
    font-size: 13px;
    line-height: 1.6;
    margin-bottom: 10px;
}

.blog-card p strong {
    color: #1e3a5f;
    font-weight: 600;
}

.blog-btn {
    background: linear-gradient(135deg, #F47920 0%, #d66a1a 100%);
    color: white;
    padding: 10px 20px;
    border-radius: 6px;
    text-decoration: none;
    font-weight: 600;
    font-size: 13px;
    display: inline-block;
    margin-top: 12px;
    transition: all 0.3s ease;
    box-shadow: 0 3px 12px rgba(244, 121, 32, 0.3);
}

.blog-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 5px 18px rgba(244, 121, 32, 0.5);
}

.contact {
    padding: 80px 20px;
    background: linear-gradient(135deg, #f8f9fa 0%, #f0f2f5 100%);
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    max-width: 1200px;
    margin: 0 auto 30px;
    position: relative;
    z-index: 1;
}

.footer-column h3 {
    margin-bottom: 20px;
    font-size: 18px;
    font-weight: 600;
}

.footer-column p {
    font-size: 14px;
    line-height: 1.7;
    opacity: 0.9;
    margin-bottom: 20px;
}

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

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

.footer-column a {
    color: rgba(255,255,255,0.9);
    text-decoration: none;
    font-size: 14px;
    transition: color 0.3s;
}

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

.social-links {
    display: flex;
    gap: 15px;
    margin-top: 20px;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,0.2);
    transition: all 0.3s ease;
}

.social-links a:hover {
    background: rgba(244, 121, 32, 0.8);
    transform: translateY(-5px) scale(1.1);
    box-shadow: 0 8px 20px rgba(244, 121, 32, 0.4);
    border-color: #F47920;
}

footer {
    background: linear-gradient(135deg, #0f2847 0%, #1e3a5f 25%, #2d5a8a 50%, #1e3a5f 75%, #0f2847 100%);
    color: white;
    padding: 60px 20px 30px;
    position: relative;
    overflow: hidden;
}

footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        repeating-linear-gradient(
            45deg,
            rgba(255,255,255,0.02) 0px,
            transparent 2px,
            transparent 4px,
            rgba(255,255,255,0.02) 6px
        );
    pointer-events: none;
}

footer::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.3), transparent);
}

.whatsapp-float {
    position: fixed;
    bottom: 30px;
    right: 30px;
    background: linear-gradient(135deg, #25d366 0%, #20b858 100%);
    color: white;
    width: 65px;
    height: 65px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 34px;
    box-shadow: 0 6px 25px rgba(37,211,102,0.5);
    cursor: pointer;
    transition: all 0.3s ease;
    z-index: 999;
    text-decoration: none;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% {
        box-shadow: 0 6px 25px rgba(37,211,102,0.5);
    }
    50% {
        box-shadow: 0 6px 35px rgba(37,211,102,0.7);
        transform: scale(1.05);
    }
}

.whatsapp-float:hover {
    transform: scale(1.15);
    box-shadow: 0 8px 35px rgba(37,211,102,0.7);
}

@media (max-width: 968px) {
    .hamburger {
        display: flex;
    }

    nav ul {
        display: none;
        position: fixed;
        top: 72px;
        left: 0;
        right: 0;
        background: linear-gradient(135deg, #1a1a1a 0%, #2d2d2d 100%);
        flex-direction: column;
        padding: 20px;
        box-shadow: 0 4px 20px rgba(0,0,0,0.5);
        gap: 0;
        z-index: 999;
    }

    nav ul.mobile-active {
        display: flex;
    }

    nav ul li {
        padding: 15px 0;
        border-bottom: 1px solid rgba(255,255,255,0.1);
        text-align: center;
    }

    nav ul li:last-child {
        border-bottom: none;
    }

    .cta-header {
        display: none;
    }

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

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

    .services-layout {
        grid-template-columns: 0.8fr 1fr;
        gap: 20px;
        align-items: flex-start;
    }

    .services-image {
        order: 0;
        min-height: auto;
        align-self: center;
    }

    .services-image img {
        max-height: 100%;
        width: 100%;
        object-fit: contain;
        transform: scale(1);
    }

    .hero-image {
        overflow: hidden;
        justify-content: center;
    }

    .hero-image img {
        max-width: 100%;
    }

    .services-list {
        order: 0;
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .hero-banks {
        display: flex;
        flex-wrap: wrap;
        gap: 15px;
        justify-content: center;
    }

    .hero-banks img {
        height: 60px;
        flex: 0 0 auto;
    }

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

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

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

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

    .hero-content h1 {
        font-size: 36px;
    }

    .hero-tag {
        font-size: 28px;
    }

    .hero-image {
        margin-right: 0;
        margin-bottom: 0;
    }

    .section-header h2 {
        font-size: 36px;
    }
}

@media (max-width: 600px) {
    .footer-grid {
        grid-template-columns: 1fr;
    }

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

    .hero-banks {
        display: flex;
        flex-wrap: wrap;
        gap: 12px;
        justify-content: center;
    }

    .hero-banks img {
        height: 55px;
        flex: 0 0 auto;
    }

    .hero-tag {
        font-size: 22px;
    }

    .hero-content h1 {
        font-size: 28px;
    }

    .section-header h2 {
        font-size: 28px;
    }
    
    .services {
        padding-top: 40px;
        padding-left: 0;
        padding-right: 0;
    }

    .services-layout {
        grid-template-columns: 0.55fr 1.45fr;
        gap: 5px;
        align-items: flex-start;
    }

    .services-image {
        order: 0 !important;
        min-height: 500px;
        display: flex;
        align-items: flex-end;
        justify-content: flex-start;
        overflow: visible;
        padding: 0;
        margin: 0;
        margin-left: -85px;
        margin-bottom: -50px;
    }

    .services-image img {
        width: 165%;
        height: auto;
        max-height: 540px;
        object-fit: contain;
        transform: scale(1.1) rotate(-4deg);
        transform-origin: bottom left;
        display: block;
    }

    .services-list {
        order: 1 !important;
        grid-template-columns: 1fr 1fr;
        gap: 12px;
        padding: 0 8px 20px 0;
        margin-top: -20px;
    }

    .service-item {
        display: flex;
        flex-direction: column;
        align-items: center;
        text-align: left;
        gap: 8px;
        min-height: 130px;
        padding: 12px 10px;
        background: #fff;
        border-radius: 10px;
        box-shadow: 0 4px 15px rgba(0,0,0,0.05);
        justify-content: flex-start;
    }

    .service-item:nth-child(3),
    .service-item:nth-child(4) {
        margin-top: 60px;
    }

    .service-icon {
        width: 38px;
        height: 38px;
        font-size: 17px;
        flex-shrink: 0;
        margin-bottom: 0;
        align-self: center;
    }

    .service-content {
        width: 100%;
    }

    .service-content h3 {
        font-size: 13px;
        margin-bottom: 5px;
    }

    .service-content p {
        font-size: 11px;
        line-height: 1.4;
    }

    .cta-button {
        font-size: 14px;
        padding: 14px 25px;
    }

    .hero-image {
        overflow: hidden;
        justify-content: center;
    }

    .hero-image img {
        max-width: 100%;
    }
}