@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@400;500;600;700&display=swap');

.navbar {
    background: rgba(255,255,255,0.95) !important;
    backdrop-filter: blur(10px);
    box-shadow: 0 2px 20px rgba(0,0,0,0.1);
    transition: all 0.3s ease;
    padding: 15px 0;
}
.navbar-brand h3 {
    font-family: 'Playfair Display', serif !important;
    font-weight: 700 !important;
    font-size: 1.8rem !important;
    color: #2c3e50 !important;
    margin: 0 !important;
    letter-spacing: -0.5px;
    background: linear-gradient(135deg, #2c3e50 0%, #667eea 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.nav-link {
    font-family: 'Inter', sans-serif !important;
    color: #2c3e50 !important;
    font-weight: 500 !important;
    font-size: 0.95rem !important;
    padding: 8px 16px !important;
    margin: 0 4px !important;
    border-radius: 25px !important;
    transition: all 0.3s ease !important;
    position: relative;
}

.nav-link:hover {
    color: #667eea !important;
    background: rgba(102, 126, 234, 0.1) !important;
    transform: translateY(-1px);
}

.nav-link.btn.btn-primary {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%) !important;
    border: none !important;
    color: white !important;
    font-weight: 600 !important;
    padding: 10px 24px !important;
    border-radius: 30px !important;
    box-shadow: 0 4px 15px rgba(102, 126, 234, 0.3) !important;
}

.nav-link.btn.btn-primary:hover {
    background: linear-gradient(135deg, #5a67d8 0%, #6b46c1 100%) !important;
    color: white !important;
    transform: translateY(-2px) !important;
    box-shadow: 0 6px 20px rgba(102, 126, 234, 0.4) !important;
}

/* ========== TRUST & SECURITY ELEMENTS ========== */
.trust-indicators {
    background: linear-gradient(135deg, #2c3e50 0%, #34495e 100%);
    padding: 80px 0;
    color: white;
    position: relative;
    overflow: hidden;
}

.trust-indicators::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="50" cy="50" r="1" fill="white" opacity="0.05"/></svg>');
    background-size: 30px 30px;
}

.section-subtitle {
    display: inline-block;
    background: rgba(255,255,255,0.1);
    padding: 8px 20px;
    border-radius: 25px;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 20px;
    border: 1px solid rgba(255,255,255,0.2);
}

.trust-badge {
    text-align: center;
    padding: 40px 25px;
    background: rgba(255,255,255,0.08);
    border-radius: 20px;
    backdrop-filter: blur(15px);
    border: 1px solid rgba(255,255,255,0.15);
    transition: all 0.4s ease;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    position: relative;
    overflow: hidden;
}

.trust-badge::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.1) 0%, rgba(118, 75, 162, 0.1) 100%);
    opacity: 0;
    transition: opacity 0.4s ease;
}

.trust-badge:hover {
    background: rgba(255,255,255,0.12);
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.3);
    border-color: rgba(102, 126, 234, 0.3);
}

.trust-badge:hover::before {
    opacity: 1;
}

.trust-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 25px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    box-shadow: 0 10px 25px rgba(102, 126, 234, 0.3);
    transition: all 0.4s ease;
    position: relative;
    z-index: 2;
}

.trust-badge:hover .trust-icon {
    transform: scale(1.1) rotateY(360deg);
    box-shadow: 0 15px 35px rgba(102, 126, 234, 0.5);
}

.trust-title {
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 20px;
    color: white;
    line-height: 1.3;
    position: relative;
    z-index: 2;
}

.trust-description {
    color: rgba(255,255,255,0.85);
    line-height: 1.6;
    margin-bottom: 25px;
    font-size: 0.95rem;
    flex-grow: 1;
    position: relative;
    z-index: 2;
}

.trust-feature-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-top: auto;
    position: relative;
    z-index: 2;
}

.trust-feature {
    display: inline-block;
    background: rgba(255,255,255,0.15);
    color: rgba(255,255,255,0.9);
    padding: 6px 14px;
    border-radius: 15px;
    font-size: 0.8rem;
    font-weight: 500;
    border: 1px solid rgba(255,255,255,0.2);
    transition: all 0.3s ease;
    text-align: center;
}

.trust-badge:hover .trust-feature {
    background: rgba(102, 126, 234, 0.2);
    border-color: rgba(102, 126, 234, 0.3);
    color: white;
}

/* ========== FINANCIAL DASHBOARD PREVIEW ========== */
.dashboard-preview {
    background: white;
    border-radius: 20px;
    padding: 40px;
    box-shadow: 0 20px 40px rgba(0,0,0,0.1);
    border: 1px solid #e9ecef;
}

.dashboard-metrics {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-bottom: 30px;
}

.metric-card {
    background: linear-gradient(135deg, #f8f9fa 0%, #ffffff 100%);
    padding: 25px;
    border-radius: 15px;
    border-left: 4px solid #667eea;
    text-align: center;
    transition: all 0.3s ease;
}

.metric-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.1);
}

.metric-value {
    font-size: 2rem;
    font-weight: 700;
    color: #2c3e50;
    margin-bottom: 5px;
}

.metric-label {
    font-size: 0.9rem;
    color: #6c757d;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* ========== REGULATORY COMPLIANCE ========== */
.compliance-section {
    background: #f8f9fa;
    padding: 80px 0;
}

.compliance-item {
    display: flex;
    align-items: center;
    padding: 20px;
    background: white;
    border-radius: 10px;
    margin-bottom: 15px;
    box-shadow: 0 5px 15px rgba(0,0,0,0.08);
    transition: all 0.3s ease;
}

.compliance-item:hover {
    transform: translateX(10px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.15);
}

.compliance-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #27ae60 0%, #2ecc71 100%);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    margin-right: 20px;
    font-size: 1.2rem;
}

/* ========== FINANCIAL HIGHLIGHTS ========== */
.financial-highlights {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    padding: 100px 0;
    color: white;
    position: relative;
    overflow: hidden;
}

.financial-highlights::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="50" cy="50" r="1.5" fill="white" opacity="0.08"/></svg>');
    background-size: 40px 40px;
    animation: backgroundMove 20s linear infinite;
}

@keyframes backgroundMove {
    0% { transform: translateX(0) translateY(0); }
    100% { transform: translateX(40px) translateY(40px); }
}

.section-subtitle-light {
    display: inline-block;
    background: rgba(255,255,255,0.15);
    padding: 8px 20px;
    border-radius: 25px;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 20px;
    border: 1px solid rgba(255,255,255,0.2);
    backdrop-filter: blur(10px);
}

.highlight-card {
    background: rgba(255,255,255,0.12);
    backdrop-filter: blur(20px);
    border-radius: 25px;
    padding: 40px 30px;
    text-align: center;
    border: 1px solid rgba(255,255,255,0.2);
    transition: all 0.4s ease;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    position: relative;
    overflow: hidden;
    box-shadow: 0 8px 32px rgba(0,0,0,0.1);
}

.highlight-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(255,255,255,0.1) 0%, rgba(255,255,255,0.05) 100%);
    opacity: 0;
    transition: opacity 0.4s ease;
}

.highlight-card:hover {
    background: rgba(255,255,255,0.18);
    transform: translateY(-15px);
    box-shadow: 0 20px 50px rgba(0,0,0,0.25);
    border-color: rgba(255,255,255,0.4);
}

.highlight-card:hover::before {
    opacity: 1;
}

.highlight-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 25px;
    background: rgba(255,255,255,0.2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    transition: all 0.4s ease;
    position: relative;
    z-index: 2;
    border: 2px solid rgba(255,255,255,0.3);
}

.highlight-card:hover .highlight-icon {
    background: rgba(255,255,255,0.3);
    transform: scale(1.1) rotateY(360deg);
    border-color: rgba(255,255,255,0.5);
    box-shadow: 0 10px 25px rgba(0,0,0,0.2);
}

.highlight-number {
    font-size: 3.5rem;
    font-weight: 800;
    margin-bottom: 15px;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.2);
    position: relative;
    z-index: 2;
    font-family: 'Inter', sans-serif;
    line-height: 1;
}

.highlight-text {
    font-size: 1.3rem;
    font-weight: 600;
    margin-bottom: 15px;
    line-height: 1.4;
    color: rgba(255,255,255,0.95);
    position: relative;
    z-index: 2;
}

.highlight-description {
    font-size: 0.9rem;
    line-height: 1.6;
    color: rgba(255,255,255,0.8);
    margin-top: auto;
    position: relative;
    z-index: 2;
    flex-grow: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
}

/* ========== INTEREST RATES DISPLAY - IMPROVED ========== */
.rates-section {
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
    padding: 100px 0;
    position: relative;
}

.rates-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="25" cy="25" r="1" fill="%23667eea" opacity="0.1"/><circle cx="75" cy="75" r="1" fill="%23764ba2" opacity="0.1"/></svg>');
    background-size: 50px 50px;
}

.section-subtitle-rates {
    display: inline-block;
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.1) 0%, rgba(118, 75, 162, 0.1) 100%);
    color: #667eea;
    padding: 8px 20px;
    border-radius: 25px;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 20px;
    border: 2px solid rgba(102, 126, 234, 0.2);
    position: relative;
    z-index: 2;
}

.rate-card {
    background: white;
    border-radius: 25px;
    overflow: hidden;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
    transition: all 0.4s ease;
    position: relative;
    height: 100%;
    display: flex;
    flex-direction: column;
    border: 2px solid #f1f3f4;
}

.rate-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 5px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
}

.rate-card:hover {
    transform: translateY(-15px);
    box-shadow: 0 25px 50px rgba(0,0,0,0.2);
    border-color: #667eea;
}

.rate-card:hover::before {
    height: 8px;
}

.rate-header {
    padding: 40px 30px 20px;
    text-align: center;
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.02) 0%, rgba(118, 75, 162, 0.02) 100%);
    position: relative;
}

.rate-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 25px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    box-shadow: 0 10px 25px rgba(102, 126, 234, 0.3);
    transition: all 0.4s ease;
}

.rate-card:hover .rate-icon {
    transform: scale(1.1) rotateY(360deg);
    box-shadow: 0 15px 35px rgba(102, 126, 234, 0.5);
}

.rate-percentage {
    font-size: 4rem;
    font-weight: 800;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    
    margin-bottom: 10px;
    line-height: 1;
    font-family: 'Inter', sans-serif;
}

.rate-type {
    font-size: 1.4rem;
    font-weight: 700;
    color: #2c3e50;
    margin-bottom: 0;
    line-height: 1.3;
}

.rate-content {
    padding: 20px 30px 40px;
    flex-grow: 1;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.rate-description {
    color: #6c757d;
    line-height: 1.6;
    font-size: 0.95rem;
    margin-bottom: 25px;
    text-align: center;
}

.rate-features {
    margin-top: auto;
}

.rate-feature {
    display: flex;
    align-items: center;
    margin-bottom: 12px;
    padding: 8px 0;
    border-bottom: 1px solid #f1f3f4;
    transition: all 0.3s ease;
}

.rate-feature:last-child {
    border-bottom: none;
    margin-bottom: 0;
}

.rate-feature i {
    color: #27ae60;
    margin-right: 12px;
    font-size: 1.1rem;
    width: 20px;
    text-align: center;
}

.rate-feature span {
    color: #5a6c7d;
    font-weight: 500;
    font-size: 0.9rem;
}

.rate-card:hover .rate-feature {
    border-color: rgba(102, 126,234, 0.2);
}

.rate-card:hover .rate-feature span {
    color: #2c3e50;
}

.rate-card:hover .rate-feature i {
    color: #667eea;
    transform: scale(1.2);
}

/* ========== MEMBER TESTIMONIALS ========== */
.testimonials-section {
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
    padding: 100px 0;
}

.testimonial-card {
    background: white;
    border-radius: 20px;
    padding: 40px;
    box-shadow: 0 15px 35px rgba(0,0,0,0.1);
    margin-bottom: 30px;
    position: relative;
}

.testimonial-card::before {
    content: '"';
    position: absolute;
    top: -10px;
    left: 30px;
    font-size: 6rem;
    color: #667eea;
    opacity: 0.3;
    font-family: serif;
}

.testimonial-text {
    font-style: italic;
    font-size: 1.1rem;
    line-height: 1.8;
    color: #5a6c7d;
    margin-bottom: 25px;
    padding-left: 30px;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 15px;
}

.author-avatar {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
    font-weight: 600;
}

.author-info h5 {
    margin: 0;
    color: #2c3e50;
    font-weight: 600;
}

.author-info span {
    color: #6c757d;
    font-size: 0.9rem;
}

/* ========== CAPTCHA STYLES ========== */
#captchaText { 
    margin-top: 10px; 
}

#captchaInput { 
    margin-top: 10px; 
}

/* ========== HERO SECTION ========== */
.hero-section { 
    position: relative; 
    overflow: hidden; 
    min-height: 70vh;
    display: flex;
    align-items: center;
    background: linear-gradient(135deg, #1e3c72 0%, #2a5298 100%);
}

.hero-section .hero-bg { 
    position: absolute;
    top: 0;
    left: 0;
    width: 100%; 
    height: 100%; 
    object-fit: cover; 
    z-index: 1;
}

.hero-overlay { 
    position: absolute; 
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(30, 60, 114, 0.8) 0%, rgba(42, 82, 152, 0.7) 100%);
    z-index: 2; 
}

.hero-content { 
    position: relative;
    z-index: 3; 
    width: 100%; 
    max-width: 1200px; 
    margin: 0 auto;
    text-align: center; 
    padding: 20px 20px;
    color: white;
}

.hero-content .hero-title { 
    font-size: 3.5rem; 
    line-height: 1.2; 
    font-weight: 700; 
    color: #fff; 
    margin-bottom: 20px;
    margin-top: 50px;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.3);
}

.hero-content .hero-subtitle {
    font-size: 1.3rem;
    font-weight: 300;
    color: rgba(255,255,255,0.95); 
    margin-bottom: 30px;
    line-height: 1.6;
}

.hero-cta { 
    margin: 10px;
    padding: 15px 30px;
    font-size: 1.1rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    border-radius: 50px;
    transition: all 0.3s ease;
    min-width: 200px;
}

.hero-cta:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.2);
}

/* ========== ABOUT SECTION - IMPROVED DESIGN ========== */
.about-section {
    padding: 120px 0;
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
    position: relative;
}

.about-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" fill="%23ffffff" opacity="0.1"><polygon points="1000,100 1000,0 0,100"/></svg>');
    background-size: cover;
    background-repeat: no-repeat;
}

.about-content {
    position: relative;
    z-index: 2;
}

.section-tag {
    display: inline-block;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    padding: 8px 20px;
    border-radius: 25px;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 20px;
    box-shadow: 0 4px 15px rgba(102, 126, 234, 0.3);
}

.about-title {
    font-size: 2.8rem;
    font-weight: 700;
    color: #2c3e50;
    margin-bottom: 25px;
    line-height: 1.2;
}

.about-description {
    font-size: 1.1rem;
    line-height: 1.8;
    color: #5a6c7d;
    margin-bottom: 40px;
}

.about-stats {
    display: flex;
    gap: 25px;
    margin-bottom: 40px;
    flex-wrap: wrap;
    justify-content: flex-start;
}

.stat-item {
    flex: 1;
    text-align: center;
    padding: 35px 25px;
    background: white;
    border-radius: 20px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.08);
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
    border: 1px solid #f1f3f4;
}

.stat-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
}

.stat-item:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.15);
    border-color: #667eea;
}

.stat-number {
    font-family: 'Inter', sans-serif;
    font-size: 3.2rem;
    font-weight: 800;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    display: block;
    margin-bottom: 12px;
    line-height: 1;
    text-shadow: none;
}

.stat-label {
    font-family: 'Inter', sans-serif;
    font-size: 0.85rem;
    font-weight: 600;
    color: #6c757d;
    text-transform: uppercase;
    letter-spacing: 1px;
    line-height: 1.3;
}

.about-features {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 25px;
    margin-bottom: 0;
}

.about-feature {
    background: white;
    padding: 30px 25px;
    border-radius: 20px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.08);
    transition: all 0.3s ease;
    border: 1px solid #f1f3f4;
    text-align: center;
}

.about-feature:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.15);
    border-color: #667eea;
}

.feature-icon {
    width: 60px;
    height: 60px;
    margin: 0 auto 20px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: white;
    box-shadow: 0 8px 20px rgba(102, 126, 234, 0.3);
}

.feature-title {
    font-size: 1.1rem;
    font-weight: 600;
    margin-bottom: 15px;
    color: #2c3e50;
    text-align: center;
}

.feature-description {
    color: #6c757d;
    line-height: 1.6;
    text-align: center;
    font-size: 0.9rem;
}

.about-cta {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
    margin-top: 40px;
}

.download-btn {
    display: inline-flex;
    align-items: center;
    padding: 15px 25px;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s ease;
    font-size: 0.95rem;
    min-width: 180px;
    justify-content: center;
}

.download-btn-primary {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    box-shadow: 0 8px 20px rgba(102, 126, 234, 0.3);
}

.download-btn-primary:hover {
    color: white;
    transform: translateY(-3px);
    box-shadow: 0 12px 30px rgba(102, 126, 234, 0.4);
    text-decoration: none;
}

.download-btn-outline {
    border: 2px solid #667eea;
    color: #667eea;
    background: transparent;
}

.download-btn-outline:hover {
    background: #667eea;
    color: white;
    transform: translateY(-3px);
    text-decoration: none;
}

.about-image {
    position: relative;
    overflow: hidden;
    border-radius: 20px;
    box-shadow: 0 20px 40px rgba(0,0,0,0.15);
}

.about-image img {
    width: 100%;
    height: auto;
    transition: transform 0.3s ease;
}

.about-image:hover img {
    transform: scale(1.05);
}

/* ========== FEATURES SECTION - ENHANCED ========== */
.features-section {
    background: #f8f9fa;
    padding: 100px 0;
    position: relative;
}

.features-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="20" cy="20" r="1" fill="%23667eea" opacity="0.1"/><circle cx="80" cy="80" r="1" fill="%23764ba2" opacity="0.1"/></svg>');
    background-size: 60px 60px;
}

.feature-card {
    background: white;
    border-radius: 25px;
    padding: 40px 30px;
    text-align: center;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
    transition: all 0.4s ease;
    border: 2px solid #f1f3f4;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 5px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.feature-card:hover {
    transform: translateY(-15px);
    box-shadow: 0 25px 50px rgba(0,0,0,0.15);
    border-color: #667eea;
}

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

.feature-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 25px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    box-shadow: 0 10px 25px rgba(102, 126, 234, 0.3);
    transition: all 0.4s ease;
    position: relative;
    z-index: 2;
}

.feature-card:hover .feature-icon {
    transform: scale(1.1) rotateY(360deg);
    box-shadow: 0 15px 35px rgba(102, 126, 234, 0.5);
}

.feature-title {
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 20px;
    color: #2c3e50;
    line-height: 1.3;
    position: relative;
    z-index: 2;
}

.feature-description {
    color: #6c757d;
    line-height: 1.6;
    margin-bottom: 25px;
    font-size: 0.95rem;
    flex-grow: 1;
    position: relative;
    z-index: 2;
}

.feature-highlights {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    justify-content: center;
    margin-top: auto;
    position: relative;
    z-index: 2;
}

.feature-tag {
    display: inline-block;
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.1) 0%, rgba(118, 75, 162, 0.1) 100%);
    color: #667eea;
    padding: 6px 14px;
    border-radius: 15px;
    font-size: 0.8rem;
    font-weight: 600;
    border: 1px solid rgba(102, 126, 234, 0.2);
    transition: all 0.3s ease;
    text-align: center;
}

.feature-card:hover .feature-tag {
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.2) 0%, rgba(118, 75, 162, 0.2) 100%);
    border-color: rgba(102, 126, 234, 0.4);
    color: #5a67d8;
    transform: translateY(-2px);
}

/* ========== SECURITY NOTICE STYLING ========== */
.security-notice {
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.1) 0%, rgba(118, 75, 162, 0.1) 100%);
    border: 2px solid rgba(102, 126, 234, 0.2);
    border-radius: 15px;
    padding: 25px;
    margin-top: 30px;
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
}

.security-notice::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.05) 0%, rgba(118, 75, 162, 0.05) 100%);
    opacity: 0;
    transition: opacity 0.3s ease;
}

.security-notice:hover {
    border-color: rgba(102, 126, 234, 0.4);
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(102, 126, 234, 0.15);
}

.security-notice:hover::before {
    opacity: 1;
}

.security-notice .icon {
    color: #667eea;
    font-size: 2rem;
    margin-right: 15px;
    transition: all 0.3s ease;
    position: relative;
    z-index: 2;
}

.security-notice:hover .icon {
    transform: scale(1.1);
    color: #5a67d8;
}

.security-notice strong {
    color: #2c3e50;
    font-size: 1.1rem;
    font-weight: 600;
    position: relative;
    z-index: 2;
}

.security-notice small {
    color: #6c757d;
    font-size: 0.9rem;
    line-height: 1.4;
    position: relative;
    z-index: 2;
}

.security-notice .d-flex {
    position: relative;
    z-index: 2;
}

/* ========== RESPONSIVE DESIGN ========== */
@media (max-width: 768px) {
    .hero-content .hero-title { 
        font-size: 2.5rem; 
    }
    
    .hero-content .hero-subtitle { 
        font-size: 1.1rem; 
    }
    
    .about-title {
        font-size: 2.2rem;
    }
    
    .about-stats {
        flex-direction: column;
        gap: 20px;
        align-items: center;
    }
    
    .stat-item {
        min-width: 280px;
        max-width: 320px;
        width: 100%;
    }
    
    .stat-number { 
        font-size: 2.8rem; 
    }
    
    .stat-label {
        font-size: 0.8rem;
    }
    
    .feature-card { 
        padding: 30px 20px; 
    }
    
    .about-cta {
        flex-direction: column;
        align-items: center;
    }
    
    .download-btn {
        width: 100%;
        max-width: 280px;
    }

    .about-features {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .dashboard-metrics {
        grid-template-columns: 1fr;
    }

    /* Trust section responsive */
    .trust-indicators {
        padding: 60px 0;
    }
    
    .trust-badge {
        padding: 35px 20px;
        margin-bottom: 20px;
    }
    
    .trust-icon {
        width: 70px;
        height: 70px;
        font-size: 1.8rem;
        margin-bottom: 20px;
    }
    
    .trust-title {
        font-size: 1.2rem;
        margin-bottom: 15px;
    }
    
    .trust-description {
        font-size: 0.9rem;
        margin-bottom: 20px;
    }
    
    .trust-feature {
        font-size: 0.75rem;
        padding: 5px 12px;
    }

    /* Financial highlights responsive */
    .financial-highlights {
        padding: 70px 0;
    }
    
    .highlight-card {
        padding: 35px 25px;
        margin-bottom: 20px;
    }
    
    .highlight-icon {
        width: 70px;
        height: 70px;
        font-size: 1.8rem;
        margin-bottom: 20px;
    }
    
    .highlight-number {
        font-size: 2.8rem;
        margin-bottom: 12px;
    }
    
    .highlight-text {
        font-size: 1.2rem;
        margin-bottom: 12px;
    }
    
    .highlight-description {
        font-size: 0.85rem;
    }

    /* Interest rates responsive */
    .rates-section {
        padding: 70px 0;
    }
    
    .rate-card {
        margin-bottom: 20px;
    }
    
    .rate-header {
        padding: 35px 25px 15px;
    }
    
    .rate-icon {
        width: 70px;
        height: 70px;
        font-size: 1.8rem;
        margin-bottom: 20px;
    }
    
    .rate-percentage {
        font-size: 3.5rem;
        margin-bottom: 8px;
    }
    
    .rate-type {
        font-size: 1.2rem;
    }
    
    .rate-content {
        padding: 15px 25px 35px;
    }
    
    .rate-description {
        font-size: 0.9rem;
        margin-bottom: 20px;
    }
    
    .rate-feature {
        margin-bottom: 10px;
        padding: 6px 0;
    }
    
    .rate-feature span {
        font-size: 0.85rem;
    }

    /* Enhanced feature cards responsive */
    .features-section {
        padding: 70px 0;
    }
    
    .feature-card {
        padding: 35px 25px;
        margin-bottom: 20px;
    }
    
    .feature-icon {
        width: 70px;
        height: 70px;
        font-size: 1.8rem;
        margin-bottom: 20px;
    }
    
    .feature-title {
        font-size: 1.3rem;
        margin-bottom: 18px;
    }
    
    .feature-description {
        font-size: 0.9rem;
        margin-bottom: 20px;
    }
    
    .feature-highlights {
        gap: 6px;
    }
    
    .feature-tag {
        font-size: 0.75rem;
        padding: 5px 12px;
    }

    .navbar-brand h3 {
        font-size: 1.5rem !important;
    }

    .nav-link {
        font-size: 0.9rem !important;
        padding: 6px 12px !important;
    }
}

@media (max-width: 576px) {
    .hero-content .hero-title { 
        font-size: 2rem; 
    }
    
    .hero-content { 
        padding: 60px 15px; 
    }
    
    .about-title {
        font-size: 1.8rem;
    }
    
    .about-section {
        padding: 80px 0;
    }
    
    .about-stats {
        gap: 15px;
    }
    
    .stat-item {
        min-width: 260px;
        max-width: 300px;
        padding: 30px 20px;
    }
    
    .stat-number {
        font-size: 2.5rem;
    }
    
    .stat-label {
        font-size: 0.75rem;
    }
    
    .about-features {
        grid-template-columns: 1fr;
        gap: 15px;
    }

    /* Trust section mobile */
    .trust-indicators {
        padding: 50px 0;
    }
    
    .trust-badge {
        padding: 30px 15px;
    }
    
    .trust-icon {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
        margin-bottom: 15px;
    }
    
    .trust-title {
        font-size: 1.1rem;
        margin-bottom: 12px;
    }
    
    .trust-description {
        font-size: 0.85rem;
        margin-bottom: 15px;
    }
    
    .trust-feature-list {
        gap: 6px;
    }
    
    .trust-feature {
        font-size: 0.7rem;
        padding: 4px 10px;
    }

    /* Financial highlights mobile */
    .financial-highlights {
        padding: 60px 0;
    }
    
    .highlight-card {
        padding: 30px 20px;
    }
    
    .highlight-icon {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
        margin-bottom: 15px;
    }
    
    .highlight-number {
        font-size: 2.5rem;
        margin-bottom: 10px;
    }
    
    .highlight-text {
        font-size: 1.1rem;
        margin-bottom: 10px;
    }
    
    .highlight-description {
        font-size: 0.8rem;
    }

    /* Interest rates mobile */
    .rates-section {
        padding: 60px 0;
    }
    
    .rate-header {
        padding: 30px 20px 12px;
    }
    
    .rate-icon {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
        margin-bottom: 15px;
    }
    
    .rate-percentage {
        font-size: 2.8rem;
        margin-bottom: 6px;
    }
    
    .rate-type {
        font-size: 1.1rem;
    }
    
    .rate-content {
        padding: 12px 20px 30px;
    }
    
    .rate-description {
        font-size: 0.85rem;
        margin-bottom: 18px;
    }
    
    .rate-feature {
        margin-bottom: 8px;
        padding: 5px 0;
    }
    
    .rate-feature i {
        font-size: 1rem;
    }
    
    .rate-feature span {
        font-size: 0.8rem;
    }

    /* Enhanced feature cards mobile */
    .features-section {
        padding: 60px 0;
    }
    
    .feature-card {
        padding: 30px 20px;
    }
    
    .feature-icon {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
        margin-bottom: 18px;
    }
    
    .feature-title {
        font-size: 1.2rem;
        margin-bottom: 15px;
    }
    
    .feature-description {
        font-size: 0.85rem;
        margin-bottom: 18px;
    }
    
    .feature-tag {
        font-size: 0.7rem;
        padding: 4px 10px;
    }

    .navbar-brand h3 {
        font-size: 1.3rem !important;
    }
}

/* ===== MOBILE MENU STYLES ===== */

/* Simple Hamburger Menu Button */
.simple-hamburger {
    display: none; /* Hidden by default, shown on mobile */
    flex-direction: column;
    justify-content: center;
    align-items: center;
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.9);
    border: 2px solid rgba(44, 62, 80, 0.2);
    cursor: pointer;
    padding: 5px;
    border-radius: 8px;
    transition: all 0.3s ease;
    z-index: 1001;
    box-shadow: 0 2px 5px rgba(0,0,0,0.1);
}

.simple-hamburger:hover {
    background: rgba(255, 255, 255, 1);
    border-color: rgba(44, 62, 80, 0.4);
    box-shadow: 0 4px 10px rgba(0,0,0,0.15);
}

.simple-hamburger span {
    display: block;
    width: 25px;
    height: 3px;
    background-color: #2c3e50;
    margin: 3px 0;
    transition: all 0.3s ease;
    border-radius: 2px;
}

/* Ensure hamburger is visible on scrolled navbar */
.navbar.scrolled .simple-hamburger {
    background: rgba(255, 255, 255, 0.9);
    border-color: rgba(44, 62, 80, 0.2);
}

.navbar.scrolled .simple-hamburger span {
    background-color: #2c3e50;
}

/* Hamburger animation when active */
.simple-hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

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

.simple-hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -6px);
}

/* Mobile Side Menu */
.mobile-side-menu {
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100vh;
    background: #ffffff;
    box-shadow: -2px 0 15px rgba(0, 0, 0, 0.1);
    transition: right 0.3s ease;
    z-index: 1000;
    overflow-y: auto;
}

.mobile-side-menu.active {
    right: 0;
}

.mobile-menu-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px;
    border-bottom: 1px solid #eee;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
}

.mobile-menu-header h4 {
    margin: 0;
    color: #333;
    font-size: 1.2rem;
    font-weight: 600;
}

.close-btn {
    background: none;
    border: none;
    font-size: 1.5rem;
    color: #666;
    cursor: pointer;
    padding: 5px;
    border-radius: 4px;
    transition: all 0.2s ease;
}

.close-btn:hover {
    background: rgba(255, 255, 255, 0.3);
    transform: rotate(90deg);
}

.mobile-nav {
    padding: 20px 0;
}

.mobile-nav-link {
    display: block;
    padding: 15px 25px;
    color: #333;
    text-decoration: none;
    font-size: 1rem;
    font-weight: 500;
    border-bottom: 1px solid #f1f1f1;
    transition: all 0.2s ease;
}

.mobile-nav-link:hover {
    background: #f8f9fa;
    color: #667eea;
    text-decoration: none;
    padding-left: 30px;
}

.mobile-nav-link.login-btn {
    margin: 20px 25px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white !important;
    text-align: center;
    border-radius: 25px;
    border-bottom: none;
    box-shadow: 0 4px 15px rgba(102, 126, 234, 0.3);
}

.mobile-nav-link.login-btn:hover {
    background: linear-gradient(135deg, #5a67d8 0%, #6b46c1 100%);
    color: white !important;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(102, 126, 234, 0.4);
    padding-left: 25px;
}

/* Mobile Menu Overlay */
.mobile-menu-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100vh;
    background: rgba(0, 0, 0, 0.5);
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
    z-index: 999;
    backdrop-filter: blur(2px);
}

.mobile-menu-overlay.active {
    opacity: 1;
    visibility: visible;
}

/* Desktop Navigation Hide on Mobile */
@media (max-width: 991px) {
    .desktop-nav {
        display: none !important;
    }
    
    .simple-hamburger {
        display: flex !important;
    }
}

/* Navbar adjustments for mobile */
@media (max-width: 991px) {
    .navbar {
        padding: 0.5rem 1rem;
    }
    
    .navbar-brand h3 {
        font-size: 1.5rem !important;
    }
    
    /* Ensure hamburger button has proper contrast */
    .simple-hamburger {
        background: rgba(255, 255, 255, 0.95);
        border: 2px solid rgba(44, 62, 80, 0.3);
    }
    
    .simple-hamburger span {
        background-color: #2c3e50;
        height: 3px;
    }
}

/* Additional Mobile Responsiveness */
@media (max-width: 576px) {
    .mobile-side-menu {
        width: 100%;
        right: -100%;
    }
    
    .navbar-brand h3 {
        font-size: 1.3rem !important;
    }
    
    .simple-hamburger {
        width: 35px;
        height: 35px;
    }
    
    .simple-hamburger span {
        width: 20px;
        height: 2px;
    }
}

/* Ensure proper stacking order */
.navbar {
    z-index: 1002;
}

.mobile-side-menu {
    z-index: 1001;
}

.mobile-menu-overlay {
    z-index: 1000;
}

/* Smooth transitions for body when menu opens */
body.menu-open {
    overflow: hidden;
}

/* ========== INTEREST RATES RESPONSIVE LAYOUT FIXES ========== */

/* iPad Air and similar tablets (768px to 1024px) - 2 cards per row */
@media (min-width: 768px) and (max-width: 1024px) {
    .rates-section .col-lg-4 {
        flex: 0 0 50% !important;
        max-width: 50% !important;
        margin-bottom: 25px;
    }
    
    /* Ensure proper spacing and alignment */
    .rates-section .row {
        margin-left: -10px;
        margin-right: -10px;
    }
    
    .rates-section .col-lg-4 {
        padding-left: 10px;
        padding-right: 10px;
    }
    
    /* Adjust card height for consistency */
    .rate-card {
        min-height: 420px;
        margin-bottom: 20px;
    }
    
    /* Adjust font sizes for tablet */
    .rate-percentage {
        font-size: 3.5rem;
    }
    
    .rate-type {
        font-size: 1.3rem;
    }
    
    .rate-header {
        padding: 35px 25px 18px;
    }
    
    .rate-content {
        padding: 18px 25px 35px;
    }
    
    .rate-description {
        font-size: 0.9rem;
        margin-bottom: 22px;
    }
}

/* Small devices and mobile phones (up to 767px) - 1 card per row */
@media (max-width: 767px) {
    .rates-section .col-lg-4,
    .rates-section .col-md-6 {
        flex: 0 0 100% !important;
        max-width: 100% !important;
        margin-bottom: 20px;
    }
    
    /* Ensure proper spacing */
    .rates-section .row {
        margin-left: -8px;
        margin-right: -8px;
    }
    
    .rates-section .col-lg-4,
    .rates-section .col-md-6 {
        padding-left: 8px;
        padding-right: 8px;
    }
    
    /* Optimize card layout for mobile */
    .rate-card {
        margin-bottom: 18px;
        min-height: auto;
    }
    
    .rate-header {
        padding: 30px 20px 15px;
    }
    
    .rate-content {
        padding: 15px 20px 30px;
    }
    
    .rate-icon {
        width: 65px;
        height: 65px;
        font-size: 1.6rem;
        margin-bottom: 18px;
    }
    
    .rate-percentage {
        font-size: 3rem;
        margin-bottom: 8px;
    }
    
    .rate-type {
        font-size: 1.2rem;
    }
    
    .rate-description {
        font-size: 0.88rem;
        margin-bottom: 20px;
    }
    
    .rate-feature {
        margin-bottom: 10px;
        padding: 6px 0;
    }
    
    .rate-feature i {
        font-size: 1rem;
    }
    
    .rate-feature span {
        font-size: 0.8rem;
    }
}

/* Extra small devices (up to 576px) - Further optimizations */
@media (max-width: 576px) {
    .rates-section {
        padding: 60px 0;
    }
    
    .rates-section .row {
        margin-left: -6px;
        margin-right: -6px;
    }
    
    .rates-section .col-lg-4,
    .rates-section .col-md-6 {
        padding-left: 6px;
        padding-right: 6px;
        margin-bottom: 16px;
    }
    
    .rate-card {
        margin-bottom: 15px;
        border-radius: 20px;
    }
    
    .rate-header {
        padding: 25px 18px 12px;
    }
    
    .rate-content {
        padding: 12px 18px 25px;
    }
    
    .rate-icon {
        width: 60px;
        height: 60px;
        font-size: 1.4rem;
        margin-bottom: 15px;
    }
    
    .rate-percentage {
        font-size: 2.6rem;
        margin-bottom: 6px;
    }
    
    .rate-type {
        font-size: 1.1rem;
    }
    
    .rate-description {
        font-size: 0.85rem;
        margin-bottom: 18px;
        line-height: 1.5;
    }
    
    .rate-feature {
        margin-bottom: 8px;
        padding: 5px 0;
    }
    
    .rate-feature i {
        font-size: 1rem;
        margin-right: 10px;
    }
    
    .rate-feature span {
        font-size: 0.8rem;
    }
}

/* Ensure consistent card heights across different breakpoints */
@media (min-width: 768px) {
    .rate-card {
        height: 100%;
        display: flex;
        flex-direction: column;
    }
    
    .rate-content {
        flex-grow: 1;
        display: flex;
        flex-direction: column;
    }
    
    .rate-features {
        margin-top: auto;
    }
}

/* Additional responsive fixes for the rates section container */
@media (max-width: 1199px) {
    .rates-section .container {
        max-width: 100%;
        padding-left: 20px;
        padding-right: 20px;
    }
}

@media (max-width: 767px) {
    .rates-section .container {
        padding-left: 15px;
        padding-right: 15px;
    }
}

@media (max-width: 576px) {
    .rates-section .container {
        padding-left: 10px;
        padding-right: 10px;
    }
}

/* ========== CONTACT SECTION - GET IN TOUCH ========== */
.contact-section {
    background: linear-gradient(135deg, #2c3e50 0%, #34495e 100%);
    padding: 100px 0;
    color: white;
    position: relative;
    overflow: hidden;
}

.contact-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="50" cy="50" r="1" fill="white" opacity="0.05"/></svg>');
    background-size: 30px 30px;
    animation: backgroundMove 25s linear infinite;
}

.section-subtitle-contact {
    display: inline-block;
    background: rgba(255,255,255,0.15);
    padding: 8px 20px;
    border-radius: 25px;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 20px;
    border: 1px solid rgba(255,255,255,0.2);
    backdrop-filter: blur(10px);
    position: relative;
    z-index: 2;
}

.contact-info-card {
    background: rgba(255,255,255,0.12);
    backdrop-filter: blur(20px);
    border-radius: 25px;
    overflow: hidden;
    box-shadow: 0 15px 40px rgba(0,0,0,0.2);
    transition: all 0.4s ease;
    position: relative;
    height: 100%;
    display: flex;
    flex-direction: column;
    border: 1px solid rgba(255,255,255,0.2);
    margin-bottom: 0;
}

.contact-info-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.1) 0%, rgba(118, 75, 162, 0.1) 100%);
    opacity: 0;
    transition: opacity 0.4s ease;
}

.contact-info-card:hover {
    background: rgba(255,255,255,0.18);
    transform: translateY(-10px);
    box-shadow: 0 25px 60px rgba(0,0,0,0.3);
    border-color: rgba(255,255,255,0.4);
}

.contact-info-card:hover::before {
    opacity: 1;
}

.contact-card-header {
    padding: 40px 35px 30px;
    text-align: center;
    background: linear-gradient(135deg, rgba(255,255,255,0.08) 0%, rgba(255,255,255,0.03) 100%);
    position: relative;
    z-index: 2;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.contact-header-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 25px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    box-shadow: 0 10px 25px rgba(102, 126, 234, 0.4);
    transition: all 0.4s ease;
    border: 3px solid rgba(255,255,255,0.2);
}

.contact-info-card:hover .contact-header-icon {
    transform: scale(1.1) rotateY(360deg);
    box-shadow: 0 15px 35px rgba(102, 126, 234, 0.6);
    border-color: rgba(255,255,255,0.4);
}

.contact-card-title {
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 15px;
    color: white;
    line-height: 1.3;
    position: relative;
    z-index: 2;
}

.contact-card-subtitle {
    font-size: 1rem;
    color: rgba(255,255,255,0.85);
    line-height: 1.5;
    margin: 0;
    position: relative;
    z-index: 2;
}

.contact-card-content {
    padding: 35px;
    flex-grow: 1;
    position: relative;
    z-index: 2;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    margin-bottom: 30px;
    padding: 20px;
    background: rgba(255,255,255,0.08);
    border-radius: 15px;
    transition: all 0.3s ease;
    border: 1px solid rgba(255,255,255,0.1);
}

.contact-item:last-child {
    margin-bottom: 0;
}

.contact-item:hover {
    background: rgba(255,255,255,0.15);
    transform: translateX(10px);
    border-color: rgba(255,255,255,0.3);
}

.contact-item-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, rgba(255,255,255,0.2) 0%, rgba(255,255,255,0.1) 100%);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    margin-right: 20px;
    font-size: 1.3rem;
    transition: all 0.3s ease;
    border: 1px solid rgba(255,255,255,0.2);
    flex-shrink: 0;
}

.contact-item:hover .contact-item-icon {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    transform: scale(1.1);
    box-shadow: 0 8px 20px rgba(102, 126, 234, 0.4);
}

.contact-item-content {
    flex-grow: 1;
}

.contact-item-title {
    font-size: 1.1rem;
    font-weight: 600;
    margin-bottom: 8px;
    color: white;
    line-height: 1.3;
}

.contact-item-text {
    color: rgba(255,255,255,0.85);
    line-height: 1.6;
    margin: 0;
    font-size: 0.95rem;
}

.contact-link {
    color: rgba(255,255,255,0.9);
    text-decoration: none;
    transition: all 0.3s ease;
    border-bottom: 1px solid transparent;
}

.contact-link:hover {
    color: white;
    text-decoration: none;
    border-bottom-color: rgba(255,255,255,0.5);
}

.contact-card-footer {
    padding: 25px 35px 35px;
    background: linear-gradient(135deg, rgba(255,255,255,0.05) 0%, rgba(255,255,255,0.02) 100%);
    border-top: 1px solid rgba(255,255,255,0.1);
    position: relative;
    z-index: 2;
}

.contact-action-buttons {
    display: flex;
    gap: 15px;
    justify-content: center;
    flex-wrap: wrap;
}

.contact-action-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 24px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    text-decoration: none;
    border-radius: 25px;
    font-weight: 600;
    font-size: 0.9rem;
    transition: all 0.3s ease;
    border: 2px solid transparent;
    min-width: 140px;
    box-shadow: 0 6px 15px rgba(102, 126, 234, 0.3);
}

.contact-action-btn:hover {
    background: linear-gradient(135deg, #5a67d8 0%, #6b46c1 100%);
    color: white;
    text-decoration: none;
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(102, 126, 234, 0.5);
}

.contact-action-btn i {
    margin-right: 8px;
    font-size: 1rem;
}

/* Additional contact section text color fixes */
.contact-section h2,
.contact-section .display-4 {
    color: white;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.3);
}

.contact-section .lead {
    color: rgba(255,255,255,0.9);
}

.contact-section .text-muted {
    color: rgba(255,255,255,0.7) !important;
}

/* ========== CONTACT SECTION RESPONSIVE DESIGN ========== */

/* Large screens optimization */
@media (min-width: 1200px) {
    .contact-info-card {
        max-width: 600px;
        margin: 0 auto;
    }
    
    .contact-card-header {
        padding: 45px 40px 35px;
    }
    
    .contact-card-content {
        padding: 40px;
    }
    
    .contact-card-footer {
        padding: 30px 40px 40px;
    }
    
    .contact-item {
        padding: 25px;
        margin-bottom: 35px;
    }
}

/* Tablet optimization (iPad and similar) */
@media (min-width: 768px) and (max-width: 1199px) {
    .contact-section {
        padding: 80px 0;
    }
    
    .contact-info-card {
        margin: 0 auto;
        max-width: 500px;
    }
    
    .contact-card-header {
        padding: 35px 30px 25px;
    }
    
    .contact-header-icon {
        width: 70px;
        height: 70px;
        font-size: 1.8rem;
        margin-bottom: 20px;
    }
    
    .contact-card-title {
        font-size: 1.6rem;
        margin-bottom: 12px;
    }
    
    .contact-card-subtitle {
        font-size: 0.95rem;
    }
    
    .contact-card-content {
        padding: 30px;
    }
    
    .contact-item {
        padding: 18px;
        margin-bottom: 25px;
    }
    
    .contact-item-icon {
        width: 45px;
        height: 45px;
        font-size: 1.2rem;
        margin-right: 18px;
    }
    
    .contact-item-title {
        font-size: 1.05rem;
        margin-bottom: 6px;
    }
    
    .contact-item-text {
        font-size: 0.9rem;
    }
    
    .contact-card-footer {
        padding: 22px 30px 30px;
    }
    
    .contact-action-btn {
        padding: 10px 20px;
        font-size: 0.85rem;
        min-width: 130px;
    }
}

/* Mobile optimization */
@media (max-width: 767px) {
    .contact-section {
        padding: 60px 0;
    }
    
    .contact-info-card {
        margin: 0 15px;
        border-radius: 20px;
    }
    
    .contact-card-header {
        padding: 30px 25px 20px;
    }
    
    .contact-header-icon {
        width: 65px;
        height: 65px;
        font-size: 1.6rem;
        margin-bottom: 18px;
    }
    
    .contact-card-title {
        font-size: 1.4rem;
        margin-bottom: 10px;
    }
    
    .contact-card-subtitle {
        font-size: 0.9rem;
    }
    
    .contact-card-content {
        padding: 25px;
    }
    
    .contact-item {
        padding: 15px;
        margin-bottom: 20px;
        border-radius: 12px;
    }
    
    .contact-item-icon {
        width: 40px;
        height: 40px;
        font-size: 1.1rem;
        margin-right: 15px;
    }
    
    .contact-item-title {
        font-size: 1rem;
        margin-bottom: 5px;
    }
    
    .contact-item-text {
        font-size: 0.85rem;
        line-height: 1.5;
    }
    
    .contact-card-footer {
        padding: 20px 25px 25px;
    }
    
    .contact-action-buttons {
        flex-direction: column;
        gap: 12px;
    }
    
    .contact-action-btn {
        padding: 12px 20px;
        font-size: 0.9rem;
        min-width: auto;
        width: 100%;
    }
    
    .contact-section .display-4 {
        font-size: 2.2rem;
        margin-bottom: 15px;
    }
    
    .contact-section .lead {
        font-size: 1rem;
        margin-bottom: 30px;
    }
}

/* Extra small devices */
@media (max-width: 576px) {
    .contact-section {
        padding: 50px 0;
    }
    
    .contact-info-card {
        margin: 0 10px;
        border-radius: 18px;
    }
    
    .contact-card-header {
        padding: 25px 20px 18px;
    }
    
    .contact-header-icon {
        width: 60px;
        height: 60px;
        font-size: 1.4rem;
        margin-bottom: 15px;
    }
    
    .contact-card-title {
        font-size: 1.3rem;
        margin-bottom: 8px;
    }
    
    .contact-card-subtitle {
        font-size: 0.85rem;
    }
    
    .contact-card-content {
        padding: 20px;
    }
    
    .contact-item {
        padding: 12px;
        margin-bottom: 18px;
        border-radius: 10px;
    }
    
    .contact-item-icon {
        width: 35px;
        height: 35px;
        font-size: 1rem;
        margin-right: 12px;
    }
    
    .contact-item-title {
        font-size: 0.95rem;
        margin-bottom: 4px;
    }
    
    .contact-item-text {
        font-size: 0.8rem;
        line-height: 1.4;
    }
    
    .contact-card-footer {
        padding: 18px 20px 22px;
    }
    
    .contact-action-btn {
        padding: 10px 18px;
        font-size: 0.85rem;
    }
    
    .contact-section .display-4 {
        font-size: 1.8rem;
        margin-bottom: 12px;
    }
    
    .contact-section .lead {
        font-size: 0.9rem;
        margin-bottom: 25px;
    }
}

/* Enhanced hover effects for touch devices */
@media (hover: none) and (pointer: coarse) {
    .contact-item:hover {
        transform: none;
    }
    
    .contact-item:active {
        transform: translateX(5px);
        background: rgba(255,255,255,0.2);
    }
    
    .contact-action-btn:hover {
        transform: none;
    }
    
    .contact-action-btn:active {
        transform: translateY(-1px);
    }
}

/* iPad Air specific fix for 2 cards per row */
@media (min-width: 768px) and (max-width: 1024px) {
  .rates-section .col-lg-4 {
    -webkit-box-flex: 0 !important;
    -ms-flex: 0 0 50% !important;
    flex: 0 0 50% !important;
    max-width: 50% !important;
    width: 50% !important;
  }
}

/* Additional specificity if needed */
@media (min-width: 768px) and (max-width: 1024px) {
  .rates-section .container .row .col-lg-4 {
    flex-basis: 50% !important;
    max-width: 50% !important;
  }
}

/* ========== MOBILE APP DOWNLOAD SECTION ========== */
.mobile-app-section {
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.mobile-app-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="25" cy="25" r="1" fill="%23667eea" opacity="0.08"/><circle cx="75" cy="75" r="1" fill="%23764ba2" opacity="0.08"/></svg>');
    background-size: 50px 50px;
    animation: backgroundMove 30s linear infinite;
}

.app-content {
    position: relative;
    z-index: 2;
}

.mobile-app-section .section-tag {
    display: inline-block;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    padding: 8px 20px;
    border-radius: 25px;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 20px;
    box-shadow: 0 4px 15px rgba(102, 126, 234, 0.3);
}

.app-title {
    font-size: 2.8rem;
    font-weight: 700;
    color: #2c3e50;
    margin-bottom: 25px;
    line-height: 1.2;
}

.app-description {
    font-size: 1.1rem;
    line-height: 1.8;
    color: #5a6c7d;
    margin-bottom: 40px;
}

.app-features-list {
    margin-bottom: 40px;
}

.app-feature-item {
    display: flex;
    align-items: center;
    margin-bottom: 18px;
    padding: 12px 0;
    border-bottom: 1px solid rgba(102, 126, 234, 0.1);
    transition: all 0.3s ease;
}

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

.app-feature-item i {
    color: #27ae60;
    font-size: 1.3rem;
    margin-right: 15px;
    min-width: 25px;
    transition: all 0.3s ease;
}

.app-feature-item span {
    color: #2c3e50;
    font-size: 1rem;
    font-weight: 500;
    line-height: 1.5;
}

.app-feature-item:hover {
    padding-left: 10px;
}

.app-feature-item:hover i {
    color: #667eea;
    transform: scale(1.2);
}

.app-download-buttons {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
    margin-top: 40px;
}

.app-store-btn {
    display: inline-flex;
    align-items: center;
    padding: 15px 30px;
    border-radius: 15px;
    text-decoration: none;
    transition: all 0.3s ease;
    min-width: 200px;
    cursor: pointer;
    border: 2px solid transparent;
}

.app-store-btn i {
    font-size: 2.5rem;
    margin-right: 15px;
}

.app-store-btn div {
    display: flex;
    flex-direction: column;
    text-align: left;
}

.app-store-btn .small-text {
    font-size: 0.75rem;
    font-weight: 400;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 2px;
}

.app-store-btn .store-name {
    font-size: 1.3rem;
    font-weight: 700;
    line-height: 1.2;
}

.google-play {
    background: #000000;
    color: white;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.2);
}

.google-play:hover {
    background: #1a1a1a;
    color: white;
    transform: translateY(-3px);
    box-shadow: 0 12px 30px rgba(0, 0, 0, 0.3);
    text-decoration: none;
}

.apple-store {
    background: #f5f5f7;
    color: #1d1d1f;
    border-color: #d2d2d7;
    cursor: not-allowed;
    opacity: 0.6;
}

.apple-store.disabled {
    pointer-events: none;
}

.qr-codes-container {
    display: flex;
    gap: 25px;
    justify-content: center;
    flex-wrap: wrap;
    position: relative;
    z-index: 2;
}

.qr-code-card {
    background: white;
    border-radius: 25px;
    padding: 35px 30px;
    text-align: center;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    transition: all 0.4s ease;
    border: 2px solid #f1f3f4;
    flex: 1;
    min-width: 280px;
    max-width: 320px;
    position: relative;
    overflow: hidden;
}

.qr-code-card.active {
    border-color: #27ae60;
}

.qr-code-card.active::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    height: 5px;
    background: linear-gradient(135deg, #27ae60 0%, #2ecc71 100%);
}

.qr-code-card.coming-soon {
    border-color: #e9ecef;
    opacity: 0.7;
}

.qr-code-card.coming-soon::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    height: 5px;
    background: linear-gradient(135deg, #95a5a6 0%, #bdc3c7 100%);
}

.qr-code-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.15);
}

.qr-code-card.active:hover {
    border-color: #667eea;
}

.qr-code-header {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    margin-bottom: 25px;
}

.qr-code-header i {
    font-size: 2rem;
    color: #667eea;
}

.qr-code-card.coming-soon .qr-code-header i {
    color: #95a5a6;
}

.qr-code-header h5 {
    margin: 0;
    font-size: 1.3rem;
    font-weight: 700;
    color: #2c3e50;
}

.qr-code-box {
    position: relative;
    width: 200px;
    height: 200px;
    margin: 0 auto 25px;
    border-radius: 15px;
    overflow: hidden;
    background: #f8f9fa;
    border: 2px solid #e9ecef;
    padding: 10px;
}

.qr-code-image {
    width: 100%;
    height: 100%;
    object-fit: contain;
    transition: all 0.3s ease;
}

.qr-code-card:hover .qr-code-image {
    transform: scale(1.05);
}

.qr-code-image.blurred {
    filter: blur(3px);
    opacity: 0.3;
}

.coming-soon-overlay {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
    z-index: 10;
}

.coming-soon-overlay i {
    font-size: 2.5rem;
    color: #95a5a6;
}

.coming-soon-overlay span {
    font-size: 1.1rem;
    font-weight: 700;
    color: #5a6c7d;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.qr-code-instruction {
    color: #6c757d;
    font-size: 0.9rem;
    margin-bottom: 20px;
    line-height: 1.5;
}

.qr-download-link {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 24px;
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    text-decoration: none;
    border-radius: 25px;
    font-weight: 600;
    font-size: 0.9rem;
    transition: all 0.3s ease;
    box-shadow: 0 6px 15px rgba(102, 126, 234, 0.3);
}

.qr-download-link:hover {
    background: linear-gradient(135deg, #5a67d8 0%, #6b46c1 100%);
    color: white;
    text-decoration: none;
    transform: translateY(-2px);
    box-shadow: 0 10px 25px rgba(102, 126, 234, 0.5);
}

.qr-download-link i {
    margin-right: 8px;
}

.qr-download-link.disabled {
    background: linear-gradient(135deg, #95a5a6 0%, #bdc3c7 100%);
    cursor: not-allowed;
    box-shadow: none;
    pointer-events: none;
    opacity: 0.7;
}

/* ========== MOBILE APP SECTION RESPONSIVE ========== */
@media (max-width: 991px) {
    .mobile-app-section {
        padding: 80px 0;
    }
    
    .app-title {
        font-size: 2.4rem;
        margin-bottom: 20px;
    }
    
    .app-description {
        font-size: 1rem;
        margin-bottom: 35px;
    }
    
    .app-features-list {
        margin-bottom: 35px;
    }
    
    .app-feature-item {
        margin-bottom: 15px;
        padding: 10px 0;
    }
    
    .qr-codes-container {
        gap: 20px;
        margin-top: 40px;
    }
}

@media (max-width: 767px) {
    .mobile-app-section {
        padding: 60px 0;
    }
    
    .app-title {
        font-size: 2rem;
        margin-bottom: 18px;
    }
    
    .app-description {
        font-size: 0.95rem;
        margin-bottom: 30px;
    }
    
    .app-features-list {
        margin-bottom: 30px;
    }
    
    .app-feature-item {
        margin-bottom: 12px;
        padding: 8px 0;
    }
    
    .app-feature-item i {
        font-size: 1.1rem;
        margin-right: 12px;
    }
    
    .app-feature-item span {
        font-size: 0.9rem;
    }
    
    .app-download-buttons {
        flex-direction: column;
        gap: 15px;
        align-items: center;
    }
    
    .app-store-btn {
        width: 100%;
        max-width: 300px;
        justify-content: center;
    }
    
    .qr-codes-container {
        flex-direction: column;
        gap: 25px;
        align-items: center;
    }
    
    .qr-code-card {
        min-width: 260px;
        max-width: 300px;
        width: 100%;
        padding: 30px 25px;
    }
    
    .qr-code-box {
        width: 180px;
        height: 180px;
        margin-bottom: 20px;
    }
    
    .qr-code-header h5 {
        font-size: 1.2rem;
    }
    
    .qr-code-instruction {
        font-size: 0.85rem;
        margin-bottom: 18px;
    }
    
    .qr-download-link {
        padding: 10px 20px;
        font-size: 0.85rem;
    }
}

@media (max-width: 576px) {
    .mobile-app-section {
        padding: 50px 0;
    }
    
    .app-title {
        font-size: 1.75rem;
        margin-bottom: 15px;
    }
    
    .app-description {
        font-size: 0.9rem;
        margin-bottom: 25px;
    }
    
    .app-features-list {
        margin-bottom: 25px;
    }
    
    .app-feature-item {
        margin-bottom: 10px;
        padding: 6px 0;
    }
    
    .app-feature-item i {
        font-size: 1rem;
        margin-right: 10px;
        min-width: 20px;
    }
    
    .app-feature-item span {
        font-size: 0.85rem;
    }
    
    .app-store-btn {
        padding: 12px 20px;
        min-width: 180px;
    }
    
    .app-store-btn i {
        font-size: 2rem;
        margin-right: 12px;
    }
    
    .app-store-btn .small-text {
        font-size: 0.7rem;
    }
    
    .app-store-btn .store-name {
        font-size: 1.1rem;
    }
    
    .qr-code-card {
        min-width: 240px;
        max-width: 280px;
        padding: 25px 20px;
        border-radius: 20px;
    }
    
    .qr-code-box {
        width: 160px;
        height: 160px;
        margin-bottom: 18px;
        border-radius: 12px;
    }
    
    .qr-code-header {
        gap: 10px;
        margin-bottom: 20px;
    }
    
    .qr-code-header i {
        font-size: 1.6rem;
    }
    
    .qr-code-header h5 {
        font-size: 1.1rem;
    }
    
    .qr-code-instruction {
        font-size: 0.8rem;
        margin-bottom: 15px;
    }
    
    .qr-download-link {
        padding: 8px 18px;
        font-size: 0.8rem;
    }
    
    .coming-soon-overlay i {
        font-size: 2rem;
    }
    
    .coming-soon-overlay span {
        font-size: 0.95rem;
    }
}