/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: #1a1a2e; background: #fff; line-height: 1.6; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

/* ===== VARIABLES ===== */
:root {
    --primary: #2563eb;
    --primary-dark: #1d4ed8;
    --accent: #f59e0b;
    --accent-dark: #d97706;
    --dark: #0f172a;
    --text: #334155;
    --muted: #64748b;
    --light: #f8fafc;
    --border: #e2e8f0;
    --success: #10b981;
    --danger: #ef4444;
    --radius: 12px;
    --shadow: 0 4px 24px rgba(0,0,0,0.08);
    --shadow-lg: 0 8px 40px rgba(0,0,0,0.12);
}

/* ===== UTILITIES ===== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 24px; border-radius: 8px; font-weight: 600; font-size: 0.95rem; cursor: pointer; border: none; transition: all 0.2s; }
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(37,99,235,0.35); }
.btn-accent { background: var(--accent); color: #fff; }
.btn-accent:hover { background: var(--accent-dark); transform: translateY(-1px); }
.btn-outline { background: transparent; color: var(--primary); border: 2px solid var(--primary); }
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-lg { padding: 16px 32px; font-size: 1.05rem; border-radius: 10px; }
.section { padding: 80px 0; }
.section-alt { background: var(--light); }
.section-header { text-align: center; margin-bottom: 56px; }
.section-header h2 { font-size: 2.2rem; font-weight: 800; color: var(--dark); margin-bottom: 12px; }
.section-header p { color: var(--muted); font-size: 1.05rem; max-width: 560px; margin: 0 auto; }
.tag { display: inline-block; background: #eff6ff; color: var(--primary); font-size: 0.78rem; font-weight: 600; padding: 4px 12px; border-radius: 20px; margin-bottom: 12px; letter-spacing: 0.5px; text-transform: uppercase; }
.accent { color: var(--accent); }

/* ===== NAVBAR ===== */
.sticky-header { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; }
.navbar { background: #fff; border-bottom: 1px solid var(--border); box-shadow: 0 2px 12px rgba(0,0,0,0.06); }
body { padding-top: 68px; }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.logo { display: flex; align-items: center; gap: 10px; }
.logo-icon { width: 38px; height: 38px; background: linear-gradient(135deg, var(--primary), #7c3aed); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: #fff; font-size: 1rem; }
.logo-text { font-size: 1.3rem; font-weight: 800; color: var(--dark); }
.nav-links { display: flex; gap: 32px; }
.nav-links a { font-weight: 500; color: var(--text); font-size: 0.95rem; transition: color 0.2s; }
.nav-links a:hover { color: var(--primary); }
.nav-cta { padding: 10px 20px; font-size: 0.9rem; }
.hamburger { display: none; background: none; border: none; font-size: 1.4rem; cursor: pointer; color: var(--dark); }
.mobile-menu { display: none; flex-direction: column; background: #fff; border-bottom: 1px solid var(--border); padding: 12px 20px; gap: 4px; }
.mobile-menu a { padding: 10px 0; font-weight: 500; color: var(--text); border-bottom: 1px solid var(--border); }
.mobile-menu.open { display: flex; }

/* ===== HERO ===== */
.hero { background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 60%, #1d4ed8 100%); color: #fff; padding: 90px 0 80px; overflow: hidden; position: relative; }
.hero::before { content: ''; position: absolute; top: -100px; right: -100px; width: 500px; height: 500px; background: radial-gradient(circle, rgba(245,158,11,0.15) 0%, transparent 70%); border-radius: 50%; }
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; }
.hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); padding: 6px 16px; border-radius: 20px; font-size: 0.82rem; font-weight: 500; margin-bottom: 20px; backdrop-filter: blur(10px); }
.hero h1 { font-size: 3rem; font-weight: 800; line-height: 1.15; margin-bottom: 20px; }
.hero h1 span { color: var(--accent); }
.hero p { font-size: 1.1rem; color: rgba(255,255,255,0.8); margin-bottom: 36px; max-width: 480px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 32px; margin-top: 48px; }
.hero-stat strong { display: block; font-size: 1.8rem; font-weight: 800; color: var(--accent); }
.hero-stat span { font-size: 0.85rem; color: rgba(255,255,255,0.7); }
.hero-visual { display: flex; flex-direction: column; gap: 16px; }
.card-mockup { background: linear-gradient(135deg, #1e40af, #7c3aed); border-radius: 18px; padding: 28px; color: #fff; box-shadow: 0 20px 60px rgba(0,0,0,0.4); position: relative; overflow: hidden; }
.card-mockup::before { content: ''; position: absolute; top: -30px; right: -30px; width: 120px; height: 120px; background: rgba(255,255,255,0.08); border-radius: 50%; }
.card-mockup-2 { background: linear-gradient(135deg, #065f46, #0d9488); margin-left: 40px; }
.card-chip { width: 40px; height: 30px; background: linear-gradient(135deg, #fbbf24, #f59e0b); border-radius: 6px; margin-bottom: 24px; }
.card-number { font-size: 1.1rem; letter-spacing: 4px; font-weight: 600; margin-bottom: 20px; opacity: 0.9; }
.card-meta { display: flex; justify-content: space-between; font-size: 0.8rem; opacity: 0.8; }
.card-network { font-size: 1.5rem; position: absolute; top: 24px; right: 24px; opacity: 0.8; }

/* ===== TRUST BAR ===== */
.trust-bar { background: var(--dark); padding: 20px 0; }
.trust-inner { display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,0.75); font-size: 0.9rem; font-weight: 500; }
.trust-item i { color: var(--accent); font-size: 1.1rem; }

/* ===== STATS ===== */
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat-card { text-align: center; padding: 36px 20px; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); border: 1px solid var(--border); }
.stat-card .icon { width: 56px; height: 56px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; margin: 0 auto 16px; }
.stat-card h3 { font-size: 2.2rem; font-weight: 800; color: var(--dark); }
.stat-card p { color: var(--muted); font-size: 0.9rem; margin-top: 4px; }

/* ===== CARDS GRID ===== */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.card-item { background: #fff; border-radius: var(--radius); border: 1px solid var(--border); overflow: hidden; transition: all 0.25s; box-shadow: var(--shadow); }
.card-item:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.card-item-header { padding: 24px; background: linear-gradient(135deg, #f8fafc, #eff6ff); display: flex; align-items: center; gap: 16px; border-bottom: 1px solid var(--border); }
.card-logo { width: 56px; height: 36px; background: #fff; border-radius: 8px; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 0.75rem; color: var(--primary); border: 1px solid var(--border); padding: 4px; }
.card-item-header h3 { font-size: 1rem; font-weight: 700; color: var(--dark); }
.card-item-header p { font-size: 0.8rem; color: var(--muted); }
.card-badge { margin-left: auto; background: var(--accent); color: #fff; font-size: 0.72rem; font-weight: 700; padding: 3px 10px; border-radius: 20px; white-space: nowrap; }
.card-badge.green { background: var(--success); }
.card-badge.purple { background: #7c3aed; }
.card-item-body { padding: 20px 24px; }
.card-features { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.card-features li { display: flex; align-items: center; gap: 8px; font-size: 0.88rem; color: var(--text); }
.card-features li i { color: var(--success); font-size: 0.8rem; flex-shrink: 0; }
.card-item-footer { padding: 16px 24px; border-top: 1px solid var(--border); display: flex; align-items: center; justify-content: space-between; }
.card-fee { font-size: 0.82rem; color: var(--muted); }
.card-fee strong { color: var(--dark); font-size: 0.95rem; }

/* ===== CATEGORY TABS ===== */
.category-tabs { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-bottom: 40px; }
.tab-btn { padding: 9px 20px; border-radius: 25px; border: 2px solid var(--border); background: #fff; font-weight: 600; font-size: 0.88rem; cursor: pointer; transition: all 0.2s; color: var(--text); }
.tab-btn.active, .tab-btn:hover { background: var(--primary); color: #fff; border-color: var(--primary); }

/* ===== HOW IT WORKS ===== */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.steps-grid::before { content: ''; position: absolute; top: 36px; left: 12.5%; right: 12.5%; height: 2px; background: linear-gradient(90deg, var(--primary), var(--accent)); z-index: 0; }
.step-card { text-align: center; position: relative; z-index: 1; }
.step-num { width: 72px; height: 72px; border-radius: 50%; background: linear-gradient(135deg, var(--primary), #7c3aed); color: #fff; font-size: 1.5rem; font-weight: 800; display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; box-shadow: 0 4px 20px rgba(37,99,235,0.3); }
.step-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; color: var(--dark); }
.step-card p { font-size: 0.88rem; color: var(--muted); }

/* ===== WHY US ===== */
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.why-card { padding: 32px; background: #fff; border-radius: var(--radius); border: 1px solid var(--border); transition: all 0.25s; }
.why-card:hover { border-color: var(--primary); box-shadow: var(--shadow); }
.why-icon { width: 52px; height: 52px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 1.3rem; margin-bottom: 20px; }
.why-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; color: var(--dark); }
.why-card p { font-size: 0.88rem; color: var(--muted); line-height: 1.7; }

/* ===== TESTIMONIALS ===== */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.testimonial-card { background: #fff; border-radius: var(--radius); padding: 28px; border: 1px solid var(--border); box-shadow: var(--shadow); }
.stars { color: var(--accent); font-size: 0.9rem; margin-bottom: 14px; }
.testimonial-card p { font-size: 0.92rem; color: var(--text); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar { width: 44px; height: 44px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 1rem; color: #fff; flex-shrink: 0; }
.author-info strong { display: block; font-size: 0.9rem; color: var(--dark); }
.author-info span { font-size: 0.8rem; color: var(--muted); }

/* ===== CTA BANNER ===== */
.cta-banner { background: linear-gradient(135deg, #0f172a, #1e3a8a); color: #fff; padding: 80px 0; text-align: center; }
.cta-banner h2 { font-size: 2.4rem; font-weight: 800; margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.75); font-size: 1.05rem; margin-bottom: 36px; }
.cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ===== FORM PAGE ===== */
.page-hero { background: linear-gradient(135deg, #0f172a, #1e3a8a); color: #fff; padding: 60px 0; text-align: center; }
.page-hero h1 { font-size: 2.4rem; font-weight: 800; margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.05rem; }
.form-section { padding: 60px 0; background: var(--light); }
.form-wrapper { max-width: 780px; margin: 0 auto; background: #fff; border-radius: 16px; box-shadow: var(--shadow-lg); overflow: hidden; }
.form-header { background: linear-gradient(135deg, var(--primary), #7c3aed); padding: 28px 36px; color: #fff; }
.form-header h2 { font-size: 1.4rem; font-weight: 700; }
.form-header p { font-size: 0.9rem; opacity: 0.85; margin-top: 4px; }
.form-body { padding: 36px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: 0.88rem; font-weight: 600; color: var(--dark); }
.form-group label span { color: var(--danger); }
.form-group input, .form-group select, .form-group textarea {
    padding: 12px 16px; border: 2px solid var(--border); border-radius: 8px;
    font-size: 0.95rem; font-family: inherit; color: var(--dark);
    transition: border-color 0.2s; background: #fff; outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--primary); }
.form-group textarea { resize: vertical; min-height: 100px; }
.form-submit { margin-top: 8px; }
.form-submit .btn { width: 100%; justify-content: center; padding: 15px; font-size: 1rem; }
.form-note { text-align: center; font-size: 0.82rem; color: var(--muted); margin-top: 12px; }
.form-note i { color: var(--success); }
.alert { padding: 14px 18px; border-radius: 8px; font-size: 0.92rem; font-weight: 500; margin-bottom: 20px; display: none; }
.alert-success { background: #d1fae5; color: #065f46; border: 1px solid #6ee7b7; }
.alert-error { background: #fee2e2; color: #991b1b; border: 1px solid #fca5a5; }
.form-steps { display: flex; gap: 0; margin-bottom: 32px; }
.form-step-item { flex: 1; text-align: center; padding: 12px; font-size: 0.82rem; font-weight: 600; color: var(--muted); border-bottom: 3px solid var(--border); }
.form-step-item.active { color: var(--primary); border-color: var(--primary); }
.form-step-item.done { color: var(--success); border-color: var(--success); }

/* ===== CARDS PAGE ===== */
.cards-page-hero { background: linear-gradient(135deg, #0f172a, #1e3a8a); color: #fff; padding: 60px 0; text-align: center; }
.cards-page-hero h1 { font-size: 2.4rem; font-weight: 800; margin-bottom: 12px; }
.cards-page-hero p { color: rgba(255,255,255,0.75); }
.cards-layout { display: grid; grid-template-columns: 260px 1fr; gap: 32px; padding: 48px 0; }
.filter-sidebar { background: #fff; border-radius: var(--radius); border: 1px solid var(--border); padding: 24px; height: fit-content; position: sticky; top: 80px; }
.filter-sidebar h3 { font-size: 1rem; font-weight: 700; margin-bottom: 20px; color: var(--dark); }
.filter-group { margin-bottom: 24px; }
.filter-group h4 { font-size: 0.85rem; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 12px; }
.filter-option { display: flex; align-items: center; gap: 10px; padding: 6px 0; cursor: pointer; font-size: 0.9rem; color: var(--text); }
.filter-option input[type="checkbox"] { accent-color: var(--primary); width: 16px; height: 16px; }
.cards-main-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px; flex-wrap: wrap; gap: 12px; }
.cards-count { font-size: 0.9rem; color: var(--muted); }
.cards-count strong { color: var(--dark); }
.sort-select { padding: 8px 14px; border: 2px solid var(--border); border-radius: 8px; font-size: 0.88rem; font-family: inherit; outline: none; cursor: pointer; }
.cards-list { display: flex; flex-direction: column; gap: 20px; }
.card-list-item { background: #fff; border-radius: var(--radius); border: 1px solid var(--border); padding: 24px; display: grid; grid-template-columns: auto 1fr auto; gap: 24px; align-items: center; transition: all 0.2s; box-shadow: var(--shadow); }
.card-list-item:hover { border-color: var(--primary); box-shadow: var(--shadow-lg); }
.card-list-logo { width: 80px; height: 52px; background: var(--light); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 0.8rem; color: var(--primary); border: 1px solid var(--border); flex-shrink: 0; text-align: center; padding: 6px; }
.card-list-info h3 { font-size: 1.05rem; font-weight: 700; color: var(--dark); margin-bottom: 4px; }
.card-list-info .bank-name { font-size: 0.82rem; color: var(--muted); margin-bottom: 12px; }
.card-list-highlights { display: flex; gap: 20px; flex-wrap: wrap; }
.highlight-item { font-size: 0.82rem; color: var(--text); }
.highlight-item strong { display: block; color: var(--dark); font-size: 0.9rem; }
.card-list-action { display: flex; flex-direction: column; gap: 10px; align-items: flex-end; flex-shrink: 0; }
.rating { display: flex; align-items: center; gap: 4px; font-size: 0.85rem; font-weight: 600; color: var(--dark); }
.rating i { color: var(--accent); }

/* ===== PARTNER PAGE ===== */
.partner-benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 40px; }
.benefit-card { padding: 28px; background: #fff; border-radius: var(--radius); border: 1px solid var(--border); text-align: center; }
.benefit-card .icon { width: 56px; height: 56px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; margin: 0 auto 16px; }
.benefit-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; color: var(--dark); }
.benefit-card p { font-size: 0.88rem; color: var(--muted); }

/* ===== FOOTER ===== */
.footer { background: var(--dark); color: rgba(255,255,255,0.8); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 48px; padding-bottom: 48px; }
.footer-brand p { font-size: 0.88rem; color: rgba(255,255,255,0.55); margin-top: 16px; line-height: 1.7; max-width: 280px; }
.footer-brand .logo-text { color: #fff; }
.social-links { display: flex; gap: 12px; margin-top: 20px; }
.social-links a { width: 36px; height: 36px; border-radius: 8px; background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center; font-size: 0.9rem; transition: background 0.2s; }
.social-links a:hover { background: var(--primary); }
.footer-col h4 { font-size: 0.95rem; font-weight: 700; color: #fff; margin-bottom: 20px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 0.88rem; color: rgba(255,255,255,0.55); transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--accent); }
.contact-list { display: flex; flex-direction: column; gap: 12px; }
.contact-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.88rem; color: rgba(255,255,255,0.55); }
.contact-list li i { color: var(--accent); margin-top: 2px; flex-shrink: 0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding: 20px 0; }
.footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,0.4); text-align: center; }
.footer-bottom a { color: rgba(255,255,255,0.55); }
.footer-bottom a:hover { color: var(--accent); }
.disclaimer { margin-top: 6px; font-size: 0.75rem !important; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .cards-grid { grid-template-columns: repeat(2, 1fr); }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
    .cards-layout { grid-template-columns: 1fr; }
    .filter-sidebar { position: static; }
}
@media (max-width: 768px) {
    .nav-links, .nav-cta { display: none; }
    .hamburger { display: block; }
    .hero-inner { grid-template-columns: 1fr; }
    .hero-visual { display: none; }
    .hero h1 { font-size: 2.2rem; }
    .cards-grid { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .steps-grid::before { display: none; }
    .why-grid { grid-template-columns: 1fr; }
    .testimonials-grid { grid-template-columns: 1fr; }
    .partner-benefits { grid-template-columns: 1fr; }
    .form-grid { grid-template-columns: 1fr; }
    .form-group.full { grid-column: 1; }
    .trust-inner { gap: 24px; }
    .hero-stats { gap: 20px; }
    .card-list-item { grid-template-columns: 1fr; }
    .card-list-action { align-items: flex-start; }
    .section-header h2 { font-size: 1.8rem; }
    .footer-grid { grid-template-columns: 1fr; gap: 24px; }
}

/* ===== FLOATING EXPERT BUTTON ===== */
.float-expert-btn {
    position: fixed;
    bottom: 28px;
    right: 28px;
    z-index: 999;
    display: flex;
    align-items: center;
    gap: 10px;
    background: linear-gradient(135deg, #059669, #0d9488);
    color: #fff;
    padding: 14px 22px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.92rem;
    box-shadow: 0 6px 24px rgba(5,150,105,0.45);
    transition: all 0.25s;
    text-decoration: none;
    animation: pulse-green 2.5s infinite;
}
.float-expert-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 32px rgba(5,150,105,0.55);
    animation: none;
}
.float-expert-btn i { font-size: 1.1rem; }
@keyframes pulse-green {
    0%, 100% { box-shadow: 0 6px 24px rgba(5,150,105,0.45); }
    50% { box-shadow: 0 6px 32px rgba(5,150,105,0.75); }
}
@media (max-width: 768px) {
    .float-expert-btn span { display: none; }
    .float-expert-btn { padding: 16px; border-radius: 50%; }
}

/* ===== MADE IN INDIA ===== */
.made-in-india {
    font-size: 0.88rem;
    color: rgba(255,255,255,0.55);
    margin-top: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 4px;
}
.made-in-india .heart {
    animation: heartbeat 1.4s ease-in-out infinite;
    display: inline-block;
}
.made-in-india .india-flag {
    font-size: 1.1rem;
    line-height: 1;
}
@keyframes heartbeat {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.3); }
}

/* ===== TALK TO EXPERT PAGE ===== */
.expert-layout { display: grid; grid-template-columns: 1fr 360px; gap: 32px; max-width: 1100px; margin: 0 auto; align-items: start; }
.expert-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 44px; max-width: 860px; margin-left: auto; margin-right: auto; }
.expert-step { text-align: center; padding: 20px 16px; background: #fff; border-radius: 12px; border: 1px solid var(--border); box-shadow: var(--shadow); }
.expert-step-icon { width: 48px; height: 48px; border-radius: 12px; display: flex; align-items: center; justify-content: center; margin: 0 auto 12px; font-size: 1.2rem; }
.expert-step strong { display: block; font-size: 0.88rem; color: var(--dark); }
.expert-step span { font-size: 0.8rem; color: var(--muted); }
.expert-side { display: flex; flex-direction: column; gap: 16px; }
.expert-side-box { background: #fff; border-radius: 12px; border: 1px solid var(--border); padding: 24px; box-shadow: var(--shadow); }
.expert-side-box ul { display: flex; flex-direction: column; gap: 10px; list-style: none; }
.expert-side-box ul li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.88rem; color: var(--text); }
.expert-side-box ul li i { color: var(--success); margin-top: 3px; flex-shrink: 0; font-size: 0.85rem; }
.expert-rating-box { background: linear-gradient(135deg, #0f172a, #1e3a8a); border-radius: 12px; padding: 24px; color: #fff; }
.expert-rating-box .rating-num { font-size: 2rem; font-weight: 800; color: var(--accent); }
.expert-rating-box .rating-label { font-size: 0.88rem; margin-top: 4px; opacity: 0.8; }
.expert-rating-box .rating-review { margin-top: 16px; font-size: 0.88rem; opacity: 0.75; line-height: 1.7; }
.expert-contact-box { background: #fff; border-radius: 12px; border: 1px solid var(--border); padding: 20px; box-shadow: var(--shadow); }
.expert-contact-box h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 12px; color: var(--dark); }
.expert-contact-box a { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; color: var(--primary); font-weight: 600; margin-bottom: 10px; }
.expert-contact-box p { font-size: 0.78rem; color: var(--muted); margin-top: 10px; }

/* ===== PARTNER PAGE ===== */
.partner-stats-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; background: linear-gradient(135deg, #0f172a, #1e3a8a); border-radius: 16px; padding: 40px; margin-bottom: 60px; }
.partner-stat-item { text-align: center; color: #fff; }
.partner-stat-item .num { font-size: 2rem; font-weight: 800; color: var(--accent); }
.partner-stat-item .label { font-size: 0.88rem; color: rgba(255,255,255,0.65); margin-top: 4px; }

/* ===== APPLY PAGE ===== */
.apply-trust-row { display: flex; gap: 24px; justify-content: center; flex-wrap: wrap; margin-bottom: 36px; }
.apply-trust-row .trust-item { color: var(--text); }
.apply-trust-row .trust-item i { color: var(--primary); }
.apply-reassure-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; max-width: 780px; margin-left: auto; margin-right: auto; }
.apply-reassure-item { text-align: center; padding: 20px; background: #fff; border-radius: 12px; border: 1px solid var(--border); }
.apply-reassure-item i { font-size: 1.5rem; margin-bottom: 8px; display: block; }
.apply-reassure-item strong { display: block; font-size: 0.9rem; color: var(--dark); }
.apply-reassure-item span { font-size: 0.82rem; color: var(--muted); }

/* ===== ABOUT + WHY CHOOSE SECTION ===== */
.cbh-intro-section { background: #fff; }
.cbh-intro-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.cbh-intro-text h2 { font-size: 2rem; font-weight: 800; color: var(--dark); margin: 12px 0 16px; line-height: 1.25; }
.cbh-intro-text p { color: var(--text); font-size: 0.97rem; line-height: 1.8; margin-bottom: 14px; }
.cbh-intro-tags { display: flex; flex-wrap: wrap; gap: 10px; margin: 20px 0; }
.cbh-intro-tags span { display: inline-flex; align-items: center; gap: 6px; background: #eff6ff; color: var(--primary); font-size: 0.82rem; font-weight: 600; padding: 6px 14px; border-radius: 20px; }
.cbh-intro-tags span i { font-size: 0.75rem; color: var(--success); }

.cbh-why-box { background: var(--light); border-radius: 16px; padding: 32px; border: 1px solid var(--border); }
.cbh-why-box h3 { font-size: 1.2rem; font-weight: 800; color: var(--dark); margin-bottom: 24px; }
.cbh-why-list { display: flex; flex-direction: column; gap: 20px; }
.cbh-why-item { display: flex; align-items: flex-start; gap: 16px; }
.cbh-why-icon { width: 48px; height: 48px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; flex-shrink: 0; }
.cbh-why-item strong { display: block; font-size: 0.95rem; color: var(--dark); margin-bottom: 4px; }
.cbh-why-item p { font-size: 0.85rem; color: var(--muted); line-height: 1.6; margin: 0; }

@media (max-width: 768px) {
    .cbh-intro-grid { grid-template-columns: 1fr; gap: 32px; }
    .cbh-intro-text h2 { font-size: 1.6rem; }
    .expert-layout { grid-template-columns: 1fr; }
    .expert-steps { grid-template-columns: repeat(2, 1fr); }
    .partner-stats-row { grid-template-columns: repeat(2, 1fr); gap: 16px; padding: 24px; }
    .apply-reassure-grid { grid-template-columns: 1fr; }
    .form-grid { grid-template-columns: 1fr; }
    .form-group.full { grid-column: 1; }
}