:root {
            --primary: #0d6efd;
            --primary-dark: #0a58ca;
            --primary-light: #3d8bfd;
            --primary-ultra-light: rgba(13, 110, 253, 0.08);
            --secondary: #ff8c00;
            --secondary-dark: #e07a00;
            --secondary-light: #ffaa3d;
            --accent: #00c896;
            --accent-dark: #00a87e;
            --accent-light: #33d4aa;
            --dark: #0f172a;
            --dark-800: #1e293b;
            --dark-700: #334155;
            --dark-600: #475569;
            --dark-500: #64748b;
            --dark-400: #94a3b8;
            --dark-300: #cbd5e1;
            --bg-light: #f8fafc;
            --bg-alt: #f1f5f9;
            --white: #ffffff;
            --gradient-primary: linear-gradient(135deg, #0d6efd 0%, #0a58ca 100%);
            --gradient-secondary: linear-gradient(135deg, #ff8c00 0%, #e07a00 100%);
            --gradient-accent: linear-gradient(135deg, #00c896 0%, #00a87e 100%);
            --gradient-hero: linear-gradient(135deg, #0f172a 0%, #1e293b 50%, #0d2452 100%);
            --shadow-xs: 0 1px 3px rgba(15,23,42,0.06), 0 1px 2px rgba(15,23,42,0.04);
            --shadow-sm: 0 2px 8px rgba(15,23,42,0.08), 0 1px 4px rgba(15,23,42,0.06);
            --shadow-md: 0 4px 20px rgba(15,23,42,0.10), 0 2px 8px rgba(15,23,42,0.06);
            --shadow-lg: 0 8px 40px rgba(15,23,42,0.14), 0 4px 16px rgba(15,23,42,0.08);
            --shadow-xl: 0 20px 60px rgba(15,23,42,0.18), 0 8px 24px rgba(15,23,42,0.10);
            --shadow-primary: 0 8px 32px rgba(13,110,253,0.30);
            --shadow-secondary: 0 8px 32px rgba(255,140,0,0.30);
            --shadow-accent: 0 8px 32px rgba(0,200,150,0.30);
            --glass-bg: rgba(255,255,255,0.08);
            --glass-border: rgba(255,255,255,0.16);
            --glass-backdrop: blur(16px);
            --radius-sm: 8px;
            --radius-md: 12px;
            --radius-lg: 16px;
            --radius-xl: 24px;
            --radius-2xl: 32px;
            --radius-full: 9999px;
            --font-base: 'Inter', system-ui, -apple-system, sans-serif;
            --font-heading: 'Poppins', 'Inter', sans-serif;
            --font-display: 'Playfair Display', Georgia, serif;
            --transition-fast: 0.18s ease;
            --transition-base: 0.25s ease;
            --transition-slow: 0.35s ease;
        }

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

        html {
            scroll-behavior: smooth;
            font-size: 16px;
            -webkit-text-size-adjust: 100%;
        }

        body {
            font-family: var(--font-base);
            font-size: 1rem;
            font-weight: 400;
            line-height: 1.7;
            color: var(--dark-800);
            background-color: var(--bg-light);
            overflow-x: hidden;
            -webkit-font-smoothing: antialiased;
        }

        a {
            text-decoration: none;
            color: inherit;
            transition: color var(--transition-fast);
        }

        img {
            max-width: 100%;
            height: auto;
            display: block;
        }

        ul {
            list-style: none;
            padding: 0;
            margin: 0;
        }

        /* Utility */
        .text-gradient {
            background: linear-gradient(135deg, var(--primary) 0%, var(--accent) 60%, var(--secondary) 100%);
            -webkit-background-clip: text;
            background-clip: text;
            -webkit-text-fill-color: transparent;
        }

        .section-tag {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            padding: 6px 16px;
            background: var(--primary-ultra-light);
            color: var(--primary);
            font-size: 0.78rem;
            font-weight: 700;
            letter-spacing: 0.10em;
            text-transform: uppercase;
            border-radius: var(--radius-full);
            border: 1px solid rgba(13,110,253,0.18);
            margin-bottom: 14px;
        }

        .section-title {
            font-family: var(--font-heading);
            font-size: clamp(1.75rem, 3.5vw, 2.6rem);
            font-weight: 800;
            color: var(--dark);
            line-height: 1.22;
            margin-bottom: 14px;
            letter-spacing: -0.02em;
        }

        .section-subtitle {
            font-size: 1.05rem;
            color: var(--dark-500);
            line-height: 1.75;
            max-width: 600px;
            margin-bottom: 0;
        }

        .section-header {
            margin-bottom: 56px;
        }

        .section-header .section-subtitle {
            margin-left: auto;
            margin-right: auto;
        }

        /* Buttons */
        .btn-hero {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            padding: 14px 30px;
            border-radius: var(--radius-full);
            font-size: 0.96rem;
            font-weight: 700;
            cursor: pointer;
            transition: all var(--transition-fast);
            border: none;
            outline: none;
            text-decoration: none;
            background: var(--gradient-primary);
            color: var(--white);
            box-shadow: var(--shadow-primary);
        }

        .btn-hero:hover {
            transform: translateY(-2px);
            box-shadow: 0 12px 28px rgba(13,110,253,0.45);
            color: var(--white);
        }

        .btn-hero-outline {
            background: rgba(15,23,42,0.08);
            color: var(--dark);
            border: 1.5px solid var(--dark-300);
        }

        .btn-hero-outline:hover {
            background: rgba(13,110,253,0.05);
            border-color: var(--primary);
            color: var(--primary-dark);
        }

        /* ========== HEADER (simplified) ========== */
        .hdr-root {
            position: sticky;
            top: 0;
            left: 0;
            right: 0;
            z-index: 1000;
            background: rgba(15, 23, 42, 0.95);
            backdrop-filter: blur(12px);
            border-bottom: 1px solid rgba(255,255,255,0.08);
            transition: background var(--transition-base);
        }

        .hdr-strip {
            display: flex;
            align-items: center;
            gap: 20px;
            padding: 6px 40px;
            background: rgba(255,255,255,0.03);
            border-bottom: 1px solid rgba(255,255,255,0.05);
            font-size: 0.76rem;
        }

        .hdr-strip-contacts {
            display: flex;
            align-items: center;
            gap: 16px;
            flex: 1;
        }

        .hdr-strip-dot {
            width: 7px;
            height: 7px;
            border-radius: 50%;
            background: var(--accent);
            flex-shrink: 0;
        }

        .hdr-strip-link {
            display: flex;
            align-items: center;
            gap: 5px;
            color: rgba(255,255,255,0.7);
            font-size: 0.755rem;
            font-weight: 500;
            transition: color var(--transition-fast);
        }

        .hdr-strip-link:hover {
            color: #ff80d0;
        }

        .hdr-main {
            display: flex;
            align-items: center;
            padding: 12px 15px;
            gap: 24px;
        }

        .hdr-logo {
            display: flex;
            align-items: center;
            gap: 10px;
            text-decoration: none;
            flex-shrink: 0;
        }

        .hdr-logo-img {
            height: 44px;
            width: auto;
        }

        .hdr-logo-text {
            font-family: var(--font-heading);
            font-size: 1.25rem;
            font-weight: 800;
            background: linear-gradient(135deg, var(--primary-light), var(--accent));
            -webkit-background-clip: text;
            background-clip: text;
            -webkit-text-fill-color: transparent;
        }

        .hdr-nav-wrap {
            display: flex;
            align-items: center;
            gap: 4px;
            background: rgba(255,255,255,0.06);
            border: 1px solid rgba(255,255,255,0.10);
            border-radius: var(--radius-full);
            padding: 6px 8px;
            margin: 0 auto;
            flex: 1;
            justify-content: center;
            max-width: 660px;
        }

        .hdr-nav-wrap a {
            display: inline-flex;
            align-items: center;
            padding: 7px 16px;
            color: rgba(255,255,255,0.75);
            font-size: 0.855rem;
            font-weight: 500;
            border-radius: var(--radius-full);
            transition: all var(--transition-fast);
            white-space: nowrap;
        }

        .hdr-nav-wrap a:hover,
        .hdr-nav-wrap a.active {
            background: var(--gradient-primary);
            color: white;
            font-weight: 600;
        }

        .hdr-ctas {
            display: flex;
            align-items: center;
            gap: 10px;
            flex-shrink: 0;
        }

        .hdr-btn {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            padding: 5px 33px;
            border-radius: var(--radius-full);
            font-size: 1.1rem;
            font-weight: 600;
            cursor: pointer;
            transition: all var(--transition-fast);
            border: none;
            text-decoration: none;
            white-space: nowrap;
        }

        .hdr-btn-primary {
            background: var(--gradient-primary);
            color: white;
        }

        .hdr-btn-outline {
            background: transparent;
            color: rgba(255,255,255,0.8);
            border: 1px solid rgba(255,255,255,0.25);
        }

        .hdr-menu-toggle {
            display: none;
            flex-direction: column;
            gap: 5px;
            width: 40px;
            height: 40px;
            cursor: pointer;
            border-radius: var(--radius-md);
            border: 1px solid rgba(255,255,255,0.15);
            background: rgba(255,255,255,0.06);
            margin-left: auto;
            justify-content: center;
            align-items: center;
        }

        .hdr-menu-toggle span {
            display: block;
            width: 20px;
            height: 2px;
            background: rgba(255,255,255,0.85);
            transition: all 0.3s;
        }

        .hdr-menu-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
        .hdr-menu-toggle.open span:nth-child(2) { opacity: 0; }
        .hdr-menu-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

        .hdr-mobile-nav {
            display: none;
            flex-direction: column;
            gap: 2px;
            padding: 0px 24px;
            background: rgba(15,23,42,0.98);
            border-top: 1px solid rgba(255,255,255,0.08);
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.3s ease;
        }

        .hdr-mobile-nav.open {
            max-height: 400px;
        }

        .hdr-mobile-nav a {
            padding: 11px 16px;
            color: rgba(255,255,255,0.75);
            font-size: 0.92rem;
            font-weight: 500;
            border-radius: var(--radius-md);
            transition: background 0.2s;
        }

        .hdr-mobile-nav a:hover {
            background: rgba(13,110,253,0.2);
            color: white;
        }

        /* ========== HERO SLIDER (REPLACED HERO) ========== */
        .hero-slider-section {
            width: 100%;
            overflow: hidden;
        }

        .heroSwiper {
            width: 100%;
            max-height: 550px;
            /* margin-top: 80px; */
        }

        .heroSwiper .swiper-slide img {
            width: 100%;
            height: 100%;
            object-fit: cover;
            display: block;
        }

        .heroSwiper .swiper-button-next,
        .heroSwiper .swiper-button-prev {
            color: white;
            background: rgba(0,0,0,0.4);
            border-radius: 50%;
            width: 40px;
            height: 40px;
        }

        .heroSwiper .swiper-pagination-bullet {
            background: white;
            opacity: 0.7;
        }

        .heroSwiper .swiper-pagination-bullet-active {
            background: var(--primary);
        }

        /* ========== CATEGORIES ========== */
        .categories-section {
            padding: 80px 0;
            background: var(--bg-light);
        }

        .category-card {
            background: white;
            border-radius: var(--radius-xl);
            padding: 32px 28px;
            height: 100%;
            display: flex;
            flex-direction: column;
            gap: 16px;
            border: 1.5px solid transparent;
            box-shadow: var(--shadow-md);
            transition: all var(--transition-slow);
        }

        .category-card:hover {
            transform: translateY(-5px);
            box-shadow: var(--shadow-xl);
        }

        .category-icon {
            width: 58px;
            height: 58px;
            border-radius: var(--radius-lg);
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 1.5rem;
            color: white;
            margin-bottom: 4px;
        }

        .category-btn {
            display: inline-flex;
            align-items: center;
            justify-content: center;
            padding: 10px 18px;
            border-radius: var(--radius-full);
            font-size: 0.875rem;
            font-weight: 700;
            text-decoration: none;
            margin-top: auto;
            transition: background 0.25s;
        }

        /* ========== ELIGIBILITY ========== */
        .eligibility-section {
            padding: 80px 0;
            background: var(--bg-alt);
        }

        .eligibility-item {
            display: flex;
            align-items: flex-start;
            gap: 16px;
            padding: 16px 20px;
            background: white;
            border-radius: var(--radius-lg);
            border: 1px solid var(--dark-300);
            margin-bottom: 18px;
            transition: all var(--transition-fast);
        }

        .eligibility-item:hover {
            border-color: var(--primary);
            box-shadow: 0 4px 20px rgba(13,110,253,0.1);
        }

        /* ========== DOCUMENTS ========== */
        .documents-section {
            padding: 80px 0;
            background: var(--bg-light);
        }

        .doc-card {
            background: white;
            border-radius: var(--radius-xl);
            padding: 32px 24px;
            text-align: center;
            border: 1.5px solid var(--dark-300);
            box-shadow: var(--shadow-sm);
            transition: all var(--transition-slow);
            height: 100%;
        }

        .doc-card:hover {
            transform: translateY(-5px);
            box-shadow: var(--shadow-xl);
        }

        /* ========== HOW IT WORKS ========== */
        .how-it-works-section {
            padding: 80px 0;
            background: var(--bg-alt);
        }

        .steps-timeline {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 32px;
            margin-top: 30px;
        }

        .step-item {
            text-align: center;
        }

        .step-number {
            width: 60px;
            height: 60px;
            background: var(--dark);
            border: 3px solid var(--primary);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: 900;
            color: white;
            margin: 0 auto 20px;
            font-size: 1.1rem;
        }

        /* ========== WHY CHOOSE ========== */
        .why-choose-section {
            padding: 80px 0;
            background: white;
        }

        .why-features-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 16px;
            margin-top: 28px;
        }

        .why-feature {
            display: flex;
            align-items: flex-start;
            gap: 14px;
            padding: 20px;
            background: var(--bg-light);
            border-radius: var(--radius-lg);
            border: 1.5px solid var(--dark-300);
            transition: all var(--transition-fast);
        }

        .why-feature:hover {
            border-color: var(--primary);
            box-shadow: 0 4px 20px rgba(13,110,253,0.1);
        }

        .why-graph-card {
            display: flex;
            align-items: flex-end;
            justify-content: space-around;
            gap: 12px;
            height: 220px;
            padding: 20px 10px 0;
            background: white;
            border-radius: var(--radius-lg);
            border: 1px solid var(--dark-300);
        }

        .why-graph-bar {
            width: 60px;
            background: var(--gradient-primary);
            border-radius: 8px 8px 0 0;
            text-align: center;
            color: white;
            font-weight: 700;
            transition: height 0.8s ease;
            display: flex;
            flex-direction: column;
            justify-content: flex-end;
            padding-bottom: 20px;
        }

        /* ========== BENEFITS ========== */
        .benefits-section {
            padding: 80px 0;
            background: var(--bg-light);
        }

        .benefit-card {
            background: white;
            border-radius: var(--radius-xl);
            padding: 32px 28px;
            height: 100%;
            border: 1.5px solid var(--dark-300);
            box-shadow: var(--shadow-sm);
            transition: all var(--transition-slow);
        }

        .benefit-card:hover {
            transform: translateY(-5px);
            box-shadow: var(--shadow-xl);
            border-color: var(--primary);
        }

        /* ========== PARTNERS ========== */
        .partners-section {
            padding: 80px 0;
            background: var(--bg-alt);
        }

        .partner-logos {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 20px;
        }

        .partner-logo-item {
            background: white;
            border-radius: var(--radius-lg);
            border: 1.5px solid var(--dark-300);
            padding: 20px;
            display: flex;
            align-items: center;
            justify-content: center;
            transition: all var(--transition-fast);
        }

        .partner-logo-item:hover {
            transform: translateY(-3px);
            box-shadow: var(--shadow-md);
        }

        /* ========== CALCULATOR ========== */
        .calculator-section {
            padding: 80px 0;
            background: var(--bg-light);
        }

        .calculator-form {
            background: white;
            border-radius: var(--radius-xl);
            padding: 32px;
            border: 1.5px solid var(--dark-300);
            box-shadow: var(--shadow-md);
        }

        .calculator-result-card {
            background: white;
            border-radius: var(--radius-xl);
            border: 1.5px solid var(--dark-300);
            box-shadow: var(--shadow-lg);
        }

        .calc-result-header {
            background: var(--gradient-primary);
            color: white;
            padding: 18px 28px;
            font-weight: 700;
            border-radius: var(--radius-xl) var(--radius-xl) 0 0;
        }

        .calc-row {
            display: flex;
            justify-content: space-between;
            padding: 16px 28px;
            border-bottom: 1px solid var(--dark-300);
        }

        /* ========== STATS ========== */
        .stats-section {
            background: var(--dark);
            padding: 70px 0;
            color: white;
        }

        .stat-card {
            text-align: center;
            padding: 30px 20px;
            background: rgba(255,255,255,0.08);
            border-radius: var(--radius-xl);
            border: 1px solid rgba(255,255,255,0.12);
            transition: all var(--transition-fast);
        }

        .stat-number {
            font-size: 2.5rem;
            font-weight: 900;
            display: block;
        }

        /* ========== SUCCESS STORIES ========== */
        .success-stories-section {
            padding: 80px 0;
            background: var(--bg-alt);
        }

        .success-card {
            background: white;
            border-radius: var(--radius-xl);
            padding: 32px 28px;
            text-align: center;
            border: 1.5px solid var(--dark-300);
            box-shadow: var(--shadow-md);
            transition: all var(--transition-slow);
        }

        .successSwiper .swiper-pagination-bullet-active {
            background: var(--primary);
        }

        /* ========== FAQ ========== */
        .faq-section {
            padding: 80px 0;
            background: white;
        }

        .custom-accordion .accordion-button {
            font-weight: 700;
            font-size: 0.95rem;
            background: white;
            box-shadow: none;
        }

        .custom-accordion .accordion-button:not(.collapsed) {
            background: var(--primary-ultra-light);
            color: var(--primary);
        }

        /* ========== APPLY ========== */
        .apply-section {
            padding: 80px 0;
            background: var(--bg-light);
        }

        .apply-form-card {
            background: white;
            border-radius: var(--radius-2xl);
            padding: 48px 40px;
            border: 1.5px solid var(--dark-300);
            box-shadow: var(--shadow-xl);
        }

        .custom-input {
            width: 100%;
            padding: 14px 18px;
            background: var(--bg-light);
            border: 1.5px solid var(--dark-300);
            border-radius: var(--radius-md);
            font-size: 0.92rem;
            transition: border 0.2s;
        }

        .custom-input:focus {
            border-color: var(--primary);
            outline: none;
            box-shadow: 0 0 0 3px rgba(13,110,253,0.15);
        }

        /* ========== CTA ========== */
        .cta-banner {
            background: var(--gradient-primary);
            border-radius: var(--radius-2xl);
            padding: 60px 40px;
            text-align: center;
            color: white;
            margin: 40px 0;
        }

        .cta-banner h3 {
            font-weight: 900;
            font-size: 2rem;
        }

        /* ========== CONTACT ========== */
        .contact-section {
            padding: 80px 0;
            background: var(--bg-alt);
        }

        .contact-form-card {
            background: white;
            border-radius: var(--radius-2xl);
            padding: 40px 36px;
            border: 1.5px solid var(--dark-300);
            box-shadow: var(--shadow-lg);
        }

        /* ========== FOOTER ========== */
        .footer {
            background: var(--dark);
            color: rgba(255,255,255,0.75);
            padding: 70px 0 0;
        }

        .footer-content {
            display: grid;
            grid-template-columns: 2fr 1fr 1fr 1.5fr;
            gap: 40px;
            margin-bottom: 60px;
        }

        .footer-logo {
            font-family: var(--font-heading);
            font-size: 1.5rem;
            font-weight: 800;
            color: white;
            margin-bottom: 12px;
        }

        .footer-links a {
            display: flex;
            align-items: center;
            gap: 8px;
            color: rgba(255,255,255,0.55);
            font-size: 0.9rem;
            margin-bottom: 10px;
        }

        .footer-links a:hover {
            color: var(--primary-light);
        }

        .social-links a {
            width: 38px;
            height: 38px;
            background: rgba(255,255,255,0.08);
            border-radius: var(--radius-md);
            display: inline-flex;
            align-items: center;
            justify-content: center;
            color: rgba(255,255,255,0.6);
            margin-right: 8px;
            transition: all 0.2s;
        }

        .social-links a:hover {
            background: var(--primary);
            color: white;
        }

        .footer-bottom {
            border-top: 1px solid rgba(255,255,255,0.08);
            padding: 24px 0;
            font-size: 0.82rem;
            color: rgba(255,255,255,0.4);
            text-align: center;
        }

        /* ========== RESPONSIVE ========== */
        @media (max-width: 992px) {
            .hdr-nav-wrap, .hdr-ctas { display: none; }
            .hdr-menu-toggle { display: flex; }
            .hdr-mobile-nav { display: flex; }
            .steps-timeline { grid-template-columns: 1fr 1fr; }
            .partner-logos { grid-template-columns: repeat(2,1fr); }
            .footer-content { grid-template-columns: 1fr 1fr; }
            .why-features-grid { grid-template-columns: 1fr; }
        }

        @media (max-width: 768px) {
            /* .hero-slider-section { margin-top: 68px; } */
            .steps-timeline { grid-template-columns: 1fr; }
            .section-title { font-size: 1.8rem; }
            .footer-content { grid-template-columns: 1fr; }
            .apply-form-card { padding: 30px 20px; }
            .partner-logos { grid-template-columns: 1fr 1fr; }
        }

        @media (max-width: 576px) {
            :root { font-size: 15px; }
            .heroSwiper { max-height: 300px; }
            .cta-banner { padding: 40px 20px; }
            .why-graph-card { height: 160px; }
        }