.hero {
  padding: 150px 0 80px;
  position: relative;
  background: linear-gradient(135deg, #121212 0%, #1a2e1a 100%);
  overflow: hidden;
  color: #ffffff;
}

.hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-image: radial-gradient(
      circle at 20% 70%,
      rgba(5, 150, 105, 0.15) 0%,
      transparent 40%
    ),
    radial-gradient(
      circle at 80% 40%,
      rgba(5, 150, 105, 0.1) 0%,
      transparent 40%
    );
  z-index: 0;
}

.hero::after {
  content: "$";
  font-size: 300px;
  position: absolute;
  top: -50px;
  right: -80px;
  font-weight: 900;
  color: rgba(5, 150, 105, 0.07);
  transform: rotate(15deg);
  font-family: Arial, sans-serif;
  z-index: 1;
}

.hero .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: relative;
  z-index: 2;
}

.hero-content {
  flex: 0 0 55%;
  padding-right: 40px;
}

.hero h1 {
  font-size: 3rem;
  margin-bottom: 20px;
  font-weight: 700;
  color: #ffffff;
  line-height: 1.2;
  font-family: "Rubik", sans-serif;
}

.hero h1::after {
  content: "";
  position: absolute;
  bottom: -15px;
  left: 0;
  width: 80px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-color), #3452b1);
  border-radius: 2px;
}

.hero p {
  font-size: 1.2rem;
  margin-bottom: 30px;
  color: #e0e0e0;
  line-height: 1.6;
}

.hero .btn-large {
  margin-top: 10px;
  font-weight: 600;
  font-size: 1.1rem;
  padding: 15px 35px;
  position: relative;
  overflow: hidden;
  background-color: var(--primary-color);
  color: white;
  border-radius: 50px;
  box-shadow: 0 8px 15px rgba(5, 150, 105, 0.3);
}

.hero .btn-large::before {
  content: "";
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(
    90deg,
    transparent,
    rgba(255, 255, 255, 0.2),
    transparent
  );
  transition: all 0.6s ease;
}

.hero .btn-large:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 20px rgba(5, 150, 105, 0.4);
  background: var(--secondary-color);
}

.hero .btn-large:hover::before {
  left: 100%;
}

.hero .btn-large::after {
  content: "\f054";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  margin-left: 10px;
  font-size: 0.8em;
  transition: transform 0.3s ease;
}

.hero .btn-large:hover::after {
  transform: translateX(3px);
}

.hero-image {
  flex: 0 0 45%;
  text-align: center;
  position: relative;
}

.hero-image img {
  max-width: 100%;
  border-radius: 10px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
  transform: perspective(1000px) rotateY(-5deg);
  transition: all 0.5s ease;
  border: 3px solid rgba(5, 150, 105, 0.2);
}

.hero-image::before {
  content: "";
  position: absolute;
  bottom: -30px;
  left: 10%;
  width: 80%;
  height: 20px;
  background: radial-gradient(
    ellipse at center,
    rgba(0, 0, 0, 0.3) 0%,
    transparent 70%
  );
  z-index: -1;
  filter: blur(10px);
}

.hero-image::after {
  content: "$";
  position: absolute;
  top: -30px;
  right: -15px;
  font-size: 70px;
  color: rgba(5, 150, 105, 0.2);
  z-index: 5;
}

.highlight-element {
  position: absolute;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(
    135deg,
    rgba(5, 150, 105, 0.3) 0%,
    rgba(5, 150, 105, 0.1) 100%
  );
  z-index: 1;
}

.highlight-1 {
  top: 20%;
  left: -30px;
  animation: float 6s ease-in-out infinite;
}

.highlight-2 {
  bottom: 15%;
  right: 10%;
  width: 40px;
  height: 40px;
  animation: float 5s ease-in-out infinite 1s;
}

@keyframes float {
  0% {
    transform: translateY(0) rotate(0deg);
  }
  50% {
    transform: translateY(-20px) rotate(5deg);
  }
  100% {
    transform: translateY(0) rotate(0deg);
  }
}

@media (max-width: 992px) {
  .hero h1 {
    font-size: 2.3rem;
  }

  .hero .container {
    flex-direction: column;
  }

  .hero-content,
  .hero-image {
    flex: 0 0 100%;
  }

  .hero-content {
    margin-bottom: 40px;
    text-align: center;
  }

  .hero h1::after {
    left: 50%;
    transform: translateX(-50%);
  }

  .hero p {
    max-width: 100%;
  }
}

@media (max-width: 768px) {
  .hero {
    padding: 120px 0 60px;
  }

  .hero h1 {
    font-size: 2.3rem;
  }

  .hero p {
    font-size: 1rem;
  }

  .hero .btn-large {
    padding: 12px 28px;
    font-size: 1rem;
  }

  .highlight-element {
    display: none;
  }
}

.how-it-works {
  padding: 100px 0 80px;
  position: relative;
  background-color: var(--light-color);
}

.how-it-works h2 {
  text-align: center;
  margin-bottom: 60px;
  font-size: 2.2rem;
  color: var(--dark-color);
  font-weight: 600;
  font-family: "Rubik", sans-serif;
}

.steps {
  display: flex;
  justify-content: space-between;
  margin-bottom: 60px;
}

.step {
  flex: 0 0 30%;
  text-align: center;
  padding: 30px 20px;
  background-color: white;
  border-radius: 12px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
  transition: all 0.3s ease;
  position: relative;
}

.step:hover {
  transform: translateY(-10px);
  box-shadow: 0 15px 35px rgba(5, 150, 105, 0.1);
}

.step-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: rgba(5, 150, 105, 0.1);
  border-radius: 50%;
  font-size: 2rem;
  color: var(--primary-color);
  transition: all 0.3s ease;
}

.step:hover .step-icon {
  background-color: var(--primary-color);
  color: white;
  transform: scale(1.1);
  box-shadow: 0 10px 25px rgba(5, 150, 105, 0.3);
}

.step h3 {
  font-size: 1.4rem;
  margin-bottom: 15px;
  color: var(--dark-color);
  font-weight: 600;
  font-family: "Rubik", sans-serif;
}

.step p {
  color: #666;
  font-size: 1rem;
}

.how-it-works-text {
  text-align: center;
  max-width: 800px;
  margin: 0 auto;
}

.how-it-works-text p {
  font-size: 1.1rem;
  color: #666;
  margin-bottom: 30px;
}

.eligibility {
  padding: 100px 0;
  background-color: white;
}

.eligibility h2 {
  text-align: center;
  margin-bottom: 60px;
  font-size: 2.2rem;
  color: var(--dark-color);
  font-weight: 600;
  font-family: "Rubik", sans-serif;
}

.eligibility-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  position: relative;
}

.badge-element {
  position: absolute;
  top: -30px;
  right: 50px;
  background: var(--primary-color);
  color: white;
  padding: 10px 20px;
  border-radius: 50px;
  font-weight: 600;
  transform: rotate(5deg);
  box-shadow: 0 5px 15px rgba(5, 150, 105, 0.3);
  z-index: 2;
  cursor: pointer;
  transition: all 0.3s ease;
}

.badge-element:hover,
.badge-element.active {
  transform: rotate(0);
  box-shadow: 0 10px 25px rgba(5, 150, 105, 0.4);
}

.eligibility-text {
  flex: 0 0 45%;
  padding-right: 30px;
}

.eligibility-text p {
  margin-bottom: 20px;
  font-size: 1.1rem;
  color: #666;
}

.eligibility-text ul {
  margin-bottom: 25px;
  padding-left: 20px;
}

.eligibility-text li {
  margin-bottom: 10px;
  position: relative;
  padding-left: 30px;
  font-size: 1.1rem;
  color: #666;
}

.eligibility-text li::before {
  content: "\f00c";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  color: var(--primary-color);
  position: absolute;
  left: 0;
  top: 2px;
}

.eligibility-image {
  flex: 0 0 50%;
  text-align: center;
}

.eligibility-image img {
  max-width: 100%;
  border-radius: 12px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.1);
  transition: transform 0.5s ease;
}

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

.eligibility-image::before {
  content: "";
  position: absolute;
  top: -15px;
  left: -15px;
  width: 60px;
  height: 60px;
  border-radius: 10px;
  border: 4px solid rgba(40, 167, 69, 0.2);
  z-index: -1;
}

.eligibility-image::after {
  content: "\f058";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  position: absolute;
  bottom: -20px;
  right: -20px;
  font-size: 50px;
  color: var(--accent-color);
  filter: drop-shadow(0 5px 10px rgba(0, 0, 0, 0.1));
}

.badge-element {
  position: absolute;
  top: 20px;
  right: 20px;
  padding: 8px 15px;
  background: linear-gradient(135deg, var(--accent-color) 0%, #1d7e34 100%);
  color: white;
  font-size: 0.85rem;
  font-weight: 700;
  border-radius: 50px;
  box-shadow: 0 5px 15px rgba(40, 167, 69, 0.3);
  text-transform: uppercase;
  letter-spacing: 1px;
  transform: rotate(5deg);
  z-index: 5;
  cursor: pointer;
  transition: all 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
  transform-style: preserve-3d;
  perspective: 800px;
  overflow: hidden;
  --highlight-pos-x: 50%;
  --highlight-pos-y: 50%;
  animation: none;
}

.badge-element::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: radial-gradient(
    circle at var(--highlight-pos-x) var(--highlight-pos-y),
    rgba(255, 255, 255, 0.6) 0%,
    rgba(255, 255, 255, 0.3) 20%,
    transparent 50%
  );
  opacity: 0;
  transition: opacity 0.3s ease;
  z-index: -1;
  border-radius: inherit;
  transform: translateZ(-10px);
}

.badge-element::after {
  content: "$";
  position: absolute;
  font-size: 1.2rem;
  color: rgba(255, 255, 255, 0.15);
  right: 10px;
  top: 50%;
  transform: translateY(-50%);
  z-index: -1;
  transition: all 0.3s ease;
}

.badge-element:hover {
  box-shadow: 0 10px 25px rgba(40, 167, 69, 0.4);
  transform: rotate(0deg);
}

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

.badge-element:hover::after {
  transform: translateY(-50%) rotate(15deg) scale(1.2);
}

.badge-element.active {
  animation: none;
}

@media (max-width: 992px) {
  .eligibility-content {
    flex-direction: column;
    gap: 30px;
    padding: 15px;
  }

  .eligibility-text,
  .eligibility-image {
    flex: 0 0 100%;
  }

  .eligibility-text {
    padding: 10px;
  }

  .eligibility h2::after {
    width: 60px;
  }

  .badge-element {
    top: 10px;
    right: 10px;
    padding: 6px 12px;
    font-size: 0.75rem;
  }
}

@media (max-width: 768px) {
  .eligibility {
    padding: 70px 0;
  }

  .eligibility-text li {
    font-size: 1rem;
    padding-left: 35px;
    margin-bottom: 15px;
  }

  .eligibility-text li:before {
    width: 25px;
    height: 25px;
    font-size: 0.8rem;
  }

  .eligibility-image::before,
  .eligibility-image::after {
    display: none;
  }
}

.about {
  background-color: #fff;
}

.about-content {
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
}

.contact-info {
  margin: 30px 0;
  padding: 20px;
  background-color: var(--light-color);
  border-radius: var(--border-radius);
  box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
}

.contact-info p {
  margin-bottom: 10px;
}
.about {
  padding: 90px 0;
  position: relative;
  background: linear-gradient(135deg, #f0f4f9 0%, #e8edf5 100%);
  overflow: hidden;
}

.about-bg-image {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center;
  opacity: 0.04;
  z-index: 0;
}

.about::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-image: radial-gradient(
      circle at 10% 20%,
      rgba(74, 110, 224, 0.03) 0%,
      transparent 20%
    ),
    radial-gradient(
      circle at 80% 70%,
      rgba(74, 110, 224, 0.04) 0%,
      transparent 20%
    ),
    repeating-linear-gradient(
      45deg,
      rgba(74, 110, 224, 0.02) 0px,
      rgba(74, 110, 224, 0.02) 2px,
      transparent 2px,
      transparent 9px
    );
  z-index: 0;
}

.about::after {
  content: "\f06c"; /* money bill icon */
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  font-size: 350px;
  position: absolute;
  bottom: -100px;
  left: -50px;
  color: rgba(74, 110, 224, 0.03);
  z-index: 0;
  transform: rotate(-10deg);
}

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

.about h2 {
  position: relative;
  margin-bottom: 60px;
  color: var(--dark-color);
  text-align: center;
  font-size: 2.2rem;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
}

.about h2::after {
  content: "";
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 100px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-color), #3452b1);
  border-radius: 2px;
}

.about h2::before {
  content: "";
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 30px;
  height: 4px;
  background: rgba(74, 110, 224, 0.7);
  border-radius: 2px;
  animation: pulse 1.5s infinite;
}

@keyframes pulse {
  0% {
    opacity: 0.7;
    width: 30px;
  }
  50% {
    opacity: 1;
    width: 100px;
  }
  100% {
    opacity: 0.7;
    width: 30px;
  }
}

.about-content {
  background: rgba(255, 255, 255, 0.9);
  border-radius: 20px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08),
    0 5px 15px rgba(74, 110, 224, 0.1);
  padding: 50px;
  backdrop-filter: blur(5px);
  border: 1px solid rgba(255, 255, 255, 0.7);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 30px;
  transition: transform 0.3s ease, box-shadow 0.3s ease, opacity 0.7s ease;
  transform-style: preserve-3d;
  perspective: 1000px;
  will-change: transform, opacity;
}

.about-content:hover {
  transform: translateY(-5px);
  box-shadow: 0 25px 50px rgba(0, 0, 0, 0.1),
    0 10px 20px rgba(74, 110, 224, 0.15);
}

.about-content::before {
  content: "\f3e0";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  position: absolute;
  font-size: 250px;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  color: rgba(74, 110, 224, 0.025);
  z-index: -1;
}

.about-content > p {
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--dark-color);
  position: relative;
  transition: transform 0.5s ease, opacity 0.5s ease;
  transform: translateZ(0);
}

.about-content > p:first-of-type {
  text-align: center;
  max-width: 850px;
  margin-left: auto;
  margin-right: auto;
  padding-bottom: 20px;
  position: relative;
  font-size: 1.15rem;
  color: var(--primary-color);
  font-weight: 500;
}

.about-content > p:first-of-type::after {
  content: "";
  position: absolute;
  width: 150px;
  height: 2px;
  background: linear-gradient(
    to right,
    transparent,
    var(--primary-color),
    transparent
  );
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
}

.contact-info {
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.95) 0%,
    rgba(245, 247, 250, 0.95) 100%
  );
  border-radius: 15px;
  padding: 30px;
  box-shadow: 0 12px 25px rgba(0, 0, 0, 0.05),
    0 5px 10px rgba(74, 110, 224, 0.08);
  border: 1px solid rgba(74, 110, 224, 0.1);
  position: relative;
  overflow: hidden;
  transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.contact-info::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 5px;
  background: linear-gradient(90deg, var(--primary-color), #3452b1);
}

.contact-info:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 35px rgba(0, 0, 0, 0.07),
    0 10px 20px rgba(74, 110, 224, 0.12);
  border-color: rgba(74, 110, 224, 0.3);
}

.contact-info p {
  margin-bottom: 16px;
  position: relative;
  padding-left: 40px;
  transition: all 0.3s ease;
  font-size: 1.05rem;
}

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

.contact-info p:hover {
  transform: translateX(8px);
  color: var(--primary-color);
}

.contact-info p:before {
  position: absolute;
  left: 0;
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  color: #fff;
  background: var(--primary-color);
  width: 30px;
  height: 30px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  transition: all 0.3s ease;
  box-shadow: 0 3px 8px rgba(74, 110, 224, 0.3);
}

.contact-info p:nth-child(1):before {
  content: "\f1ad";
}

.contact-info p:nth-child(2):before {
  content: "\f3c5";
}

.contact-info p:nth-child(3):before {
  content: "\f0e0";
}

.contact-info p:nth-child(4):before {
  content: "\f095";
}

.contact-info p:hover:before {
  transform: scale(1.1) rotate(5deg);
  box-shadow: 0 5px 10px rgba(74, 110, 224, 0.4);
}

.contact-info p strong {
  color: var(--primary-color);
  font-weight: 600;
  margin-right: 5px;
}

@media (max-width: 992px) {
  .about-content {
    padding: 35px 30px;
  }

  .about h2 {
    font-size: 1.9rem;
  }
}

@media (max-width: 768px) {
  .about {
    padding: 70px 0;
  }

  .about-content > p {
    font-size: 1rem;
  }

  .about-content > p:first-of-type {
    font-size: 1.05rem;
  }

  .about-content::before {
    font-size: 180px;
  }

  .contact-info {
    padding: 25px 20px;
  }

  .about h2 {
    font-size: 1.7rem;
    margin-bottom: 50px;
  }

  .contact-info p {
    font-size: 1rem;
    padding-left: 35px;
  }

  .contact-info p:before {
    width: 25px;
    height: 25px;
    font-size: 0.8rem;
  }
}

/* Rates */
.rates {
  background-color: var(--light-color);
}

.rates-content {
  background: rgba(255, 255, 255, 0.9);
  border-radius: 20px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08),
    0 5px 15px rgba(74, 110, 224, 0.1);
  padding: 50px;
  backdrop-filter: blur(5px);
  border: 1px solid rgba(255, 255, 255, 0.7);
  position: relative;
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 30px;
  transition: transform 0.3s ease, box-shadow 0.3s ease, opacity 0.7s ease;
  transform-style: preserve-3d;
  perspective: 1000px;
  will-change: transform, opacity;
}

.rates-content:hover {
  transform: translateY(-5px);
  box-shadow: 0 25px 50px rgba(0, 0, 0, 0.1),
    0 10px 20px rgba(74, 110, 224, 0.15);
}

.rates-content h3 {
  margin-top: 30px;
  color: var(--primary-color);
}

.rates-content ul {
  margin: 20px 0;
  padding-left: 20px;
}

.rates-content li {
  margin-bottom: 10px;
  position: relative;
  padding-left: 25px;
}

.rates-content li:before {
  content: "\f105";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  position: absolute;
  left: 0;
  color: var(--primary-color);
}

.rates {
  padding: 90px 0;
  position: relative;
  background: linear-gradient(135deg, #f0f4f9 0%, #e8edf5 100%);
  overflow: hidden;
}

.rates-bg-image {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center;
  opacity: 0.04;
  z-index: 0;
}

.rates::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-image: radial-gradient(
      circle at 10% 20%,
      rgba(74, 110, 224, 0.03) 0%,
      transparent 20%
    ),
    radial-gradient(
      circle at 80% 70%,
      rgba(74, 110, 224, 0.04) 0%,
      transparent 20%
    ),
    repeating-linear-gradient(
      45deg,
      rgba(74, 110, 224, 0.02) 0px,
      rgba(74, 110, 224, 0.02) 2px,
      transparent 2px,
      transparent 9px
    );
  z-index: 0;
}

.rates::after {
  content: "\f0d6";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  font-size: 350px;
  position: absolute;
  bottom: -100px;
  right: -50px;
  color: rgba(74, 110, 224, 0.03);
  z-index: 0;
  transform: rotate(10deg);
}

.rates .container {
  position: relative;
  z-index: 2;
}

.rates h2 {
  position: relative;
  margin-bottom: 60px;
  color: var(--dark-color);
  text-align: center;
  font-size: 2.2rem;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
}

.rates h2::after {
  content: "";
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 100px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-color), #3452b1);
  border-radius: 2px;
}

.rates h2::before {
  content: "";
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 30px;
  height: 4px;
  background: rgba(74, 110, 224, 0.7);
  border-radius: 2px;
  animation: pulse 1.5s infinite;
}

.rates-content::before {
  content: "$";
  position: absolute;
  font-size: 200px;
  font-family: Arial, sans-serif;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  color: rgba(74, 110, 224, 0.03);
  z-index: -1;
  font-weight: bold;
}

.rates-content > p:first-of-type {
  font-size: 1.1rem;
  line-height: 1.7;
  margin-bottom: 35px;
  color: var(--dark-color);
  text-align: center;
  max-width: 850px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
  padding-bottom: 20px;
}

.rates-content > p:first-of-type::after {
  content: "";
  position: absolute;
  width: 100px;
  height: 2px;
  background: linear-gradient(
    to right,
    transparent,
    var(--primary-color),
    transparent
  );
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
}

.rates-content h3 {
  color: var(--primary-color);
  font-size: 1.4rem;
  margin-top: 30px;
  margin-bottom: 20px;
  position: relative;
  display: inline-block;
  padding-left: 15px;
}

.rates-content h3::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  height: 100%;
  width: 5px;
  background: linear-gradient(to bottom, var(--primary-color), #3452b1);
  border-radius: 2px;
}

.rates-content ul {
  margin: 25px 0;
  padding-left: 0;
}

.rates-content li {
  margin-bottom: 15px;
  position: relative;
  padding-left: 35px;
  font-size: 1.05rem;
  line-height: 1.6;
  transition: transform 0.3s ease;
}

.rates-content li:before {
  content: "\f105";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  position: absolute;
  left: 0;
  color: var(--primary-color);
  background: rgba(74, 110, 224, 0.1);
  width: 25px;
  height: 25px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  transition: all 0.3s ease;
}

.rates-content li:hover {
  transform: translateX(5px);
}

.rates-content li:hover:before {
  background: rgba(74, 110, 224, 0.2);
}

.loan-info-cards {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  margin-top: 30px;
  justify-content: center;
}

.info-card {
  flex: 0 0 calc(33.33% - 20px);
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.9) 0%,
    rgba(245, 247, 250, 0.9) 100%
  );
  border-radius: 10px;
  padding: 25px 20px;
  box-shadow: 0 10px 20px rgba(0, 0, 0, 0.05);
  border: 1px solid rgba(74, 110, 224, 0.1);
  transition: all 0.3s ease;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.info-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 15px 30px rgba(74, 110, 224, 0.1);
  border-color: rgba(74, 110, 224, 0.3);
}

.info-card-icon {
  font-size: 2.5rem;
  color: var(--primary-color);
  margin-bottom: 15px;
  opacity: 0.8;
}

.info-card-title {
  font-size: 1.2rem;
  font-weight: 600;
  margin-bottom: 10px;
  color: var(--dark-color);
}

.info-card-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary-color);
  margin-bottom: 10px;
}

.info-card-desc {
  font-size: 0.95rem;
  color: var(--secondary-color);
}

.disclosure-note {
  background: rgba(74, 110, 224, 0.05);
  padding: 15px 20px;
  border-radius: 10px;
  margin-top: 40px;
  font-size: 0.95rem;
  color: var(--secondary-color);
  border-left: 4px solid var(--primary-color);
  position: relative;
}

.disclosure-note::before {
  content: "\f05a";
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  position: absolute;
  left: -12px;
  top: -12px;
  background: white;
  color: var(--primary-color);
  width: 25px;
  height: 25px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  border: 2px solid rgba(74, 110, 224, 0.2);
}

@media (max-width: 992px) {
  .rates-content {
    padding: 35px 30px;
  }

  .rates h2 {
    font-size: 1.9rem;
  }

  .loan-info-cards {
    gap: 15px;
  }

  .info-card {
    flex: 0 0 calc(50% - 15px);
  }
}

@media (max-width: 768px) {
  .rates {
    padding: 70px 0;
  }

  .rates-content > p:first-of-type {
    font-size: 1rem;
  }

  .rates-content::before {
    font-size: 150px;
  }

  .rates h2 {
    font-size: 1.7rem;
    margin-bottom: 50px;
  }

  .rates-content h3 {
    font-size: 1.3rem;
  }

  .rates-content li {
    font-size: 1rem;
    padding-left: 30px;
  }

  .info-card {
    flex: 0 0 100%;
  }
}

.counter-section {
  margin-top: 50px;
}

.row {
  display: flex;
  justify-content: space-around;
}

.counter-container {
  text-align: center;
  padding: 20px;
}

.counter {
  font-size: 3rem;
  font-weight: 700;
  color: var(--primary-color);
  margin-bottom: 10px;
  position: relative;
  display: inline-block;
  font-family: "Rubik", sans-serif;
}

.counter::after {
  content: "+";
  font-size: 2rem;
  position: absolute;
  top: 0;
  right: -20px;
}

.counter-label {
  font-size: 1rem;
  color: #666;
  font-weight: 500;
}

@media (max-width: 768px) {
  .row {
    flex-direction: column;
    gap: 20px;
  }

  .counter-container {
    padding: 10px;
  }

  .counter {
    font-size: 2.5rem;
  }

  .counter::after {
    font-size: 1.5rem;
    right: -15px;
  }

  .counter-label {
    font-size: 0.9rem;
  }
}

@media (max-width: 480px) {
  .counter-section {
    margin-top: 30px;
  }

  .counter {
    font-size: 2.2rem;
  }

  .counter::after {
    font-size: 1.3rem;
    right: -12px;
  }
}

.scroll-element {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}

.scroll-element.scrolled {
  opacity: 1;
  transform: translateY(0);
}

.rates-content h3.scroll-element {
  transition-delay: 0.2s;
}

.rates-content ul.scroll-element {
  transition-delay: 0.4s;
}

@media (max-width: 992px) {
  .hero .container {
    flex-direction: column;
  }

  .hero-content,
  .hero-image {
    flex: 0 0 100%;
  }

  .hero-content {
    margin-bottom: 40px;
    text-align: center;
  }

  .steps {
    flex-direction: column;
  }

  .step {
    flex: 0 0 100%;
    margin-bottom: 30px;
  }

  .eligibility-content {
    flex-direction: column;
  }

  .eligibility-text,
  .eligibility-image {
    flex: 0 0 100%;
  }

  .eligibility-text {
    margin-bottom: 40px;
  }
}

@media (max-width: 768px) {
  .hero {
    padding: 120px 0 60px;
  }

  .counter-container {
    flex: 0 0 100%;
  }
}

@media (min-width: 1024px) and (max-width: 1366px) {
  .hero {
    padding: 130px 0 70px;
  }

  .hero h1 {
    font-size: 2.6rem;
  }

  .hero p {
    font-size: 1.1rem;
  }

  .hero .btn-large {
    font-size: 1rem;
    padding: 12px 30px;
  }

  .hero-image img {
    max-width: 90%;
  }

  .how-it-works {
    padding: 80px 0 60px;
  }

  .step {
    padding: 25px 15px;
  }

  .step-icon {
    width: 70px;
    height: 70px;
    font-size: 1.8rem;
  }

  .step h3 {
    font-size: 1.3rem;
  }

  .eligibility {
    padding: 80px 0;
  }

  .eligibility h2 {
    margin-bottom: 50px;
  }

  .eligibility-text {
    flex: 0 0 48%;
  }

  .eligibility-image {
    flex: 0 0 48%;
  }

  .badge-element {
    font-size: 0.8rem;
  }

  .about {
    padding: 80px 0;
  }

  .about-content {
    padding: 40px;
  }

  .about-content > p {
    font-size: 1rem;
  }

  .contact-info {
    padding: 25px;
  }

  .rates {
    padding: 80px 0;
  }

  .rates-content {
    padding: 40px;
  }

  .info-card {
    padding: 20px 15px;
  }

  .info-card-icon {
    font-size: 2.2rem;
  }

  .counter {
    font-size: 2.5rem;
  }

  .counter::after {
    font-size: 1.8rem;
  }
}

@media (min-width: 768px) and (max-width: 1023px) {
  .hero {
    padding: 120px 0 60px;
  }

  .hero h1 {
    font-size: 2.2rem;
  }

  .hero p {
    font-size: 1rem;
    margin-bottom: 25px;
  }

  .hero-content {
    flex: 0 0 100%;
    text-align: center;
    padding-right: 0;
    margin-bottom: 30px;
  }

  .hero-image {
    flex: 0 0 100%;
  }

  .hero .container {
    flex-direction: column;
  }

  .hero h1::after {
    left: 50%;
    transform: translateX(-50%);
  }

  .steps {
    flex-wrap: wrap;
    gap: 20px;
  }

  .step {
    flex: 0 0 calc(50% - 20px);
    margin-bottom: 20px;
  }

  .eligibility-content {
    flex-direction: column;
  }

  .eligibility-text {
    flex: 0 0 100%;
    padding-right: 0;
    margin-bottom: 30px;
  }

  .eligibility-image {
    flex: 0 0 100%;
  }

  .about-content,
  .rates-content {
    padding: 30px;
  }

  .about-content > p,
  .rates-content > p:first-of-type {
    font-size: 1rem;
  }

  .loan-info-cards {
    gap: 15px;
  }

  .info-card {
    flex: 0 0 calc(50% - 15px);
  }

  .row {
    flex-wrap: wrap;
  }

  .counter-container {
    flex: 0 0 50%;
  }
}

/* Стили для секции с мокапами приложения */
.app-mockups {
  padding: 100px 0;
  background: linear-gradient(135deg, #f0f4f9 0%, #e8edf5 100%);
  position: relative;
  overflow: hidden;
}

.app-mockups-bg-image {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center;
  opacity: 0.04;
  z-index: 0;
}

.app-mockups::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-image: radial-gradient(
      circle at 10% 20%,
      rgba(74, 110, 224, 0.03) 0%,
      transparent 20%
    ),
    radial-gradient(
      circle at 80% 70%,
      rgba(74, 110, 224, 0.04) 0%,
      transparent 20%
    ),
    repeating-linear-gradient(
      45deg,
      rgba(74, 110, 224, 0.02) 0px,
      rgba(74, 110, 224, 0.02) 2px,
      transparent 2px,
      transparent 9px
    );
  z-index: 0;
}

.app-mockups::after {
  content: "\f3cd"; /* mobile icon */
  font-family: "Font Awesome 5 Free";
  font-weight: 900;
  font-size: 350px;
  position: absolute;
  bottom: -100px;
  right: -50px;
  color: rgba(74, 110, 224, 0.03);
  z-index: 0;
  transform: rotate(10deg);
}

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

.app-mockups h2 {
  position: relative;
  margin-bottom: 60px;
  color: var(--dark-color);
  text-align: center;
  font-size: 2.2rem;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
}

.app-mockups h2::after {
  content: "";
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 100px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-color), #3452b1);
  border-radius: 2px;
}

.app-mockups h2::before {
  content: "";
  position: absolute;
  bottom: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 30px;
  height: 4px;
  background: rgba(74, 110, 224, 0.7);
  border-radius: 2px;
  animation: pulse 1.5s infinite;
}

.mockups-description {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 50px;
  font-size: 1.2rem;
  color: #666;
}

.mockups-container {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 20px;
  margin: 40px auto 60px;
  perspective: 1000px;
  flex-wrap: wrap;
  max-width: 900px;
}

.phone-mockup {
  position: relative;
  transition: all 0.5s ease;
  transform: perspective(1000px) rotateY(10deg);
  z-index: 1;
}

.phone-mockup:first-child {
  transform: perspective(1000px) rotateY(15deg) translateX(20px);
}

.phone-mockup:last-child {
  transform: perspective(1000px) rotateY(-15deg) translateX(-20px);
}

.phone-mockup.featured {
  transform: perspective(1000px) rotateY(0) translateY(-20px) scale(1.1);
  z-index: 2;
}

.phone-frame {
  position: relative;
  width: 240px;
  height: 480px;
  background: #121212;
  border-radius: 36px;
  padding: 12px;
  box-shadow: 0 30px 60px rgba(0, 0, 0, 0.25);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.1);
  transition: all 0.3s ease;
}

.phone-mockup:hover .phone-frame {
  transform: translateY(-15px);
  box-shadow: 0 40px 70px rgba(0, 0, 0, 0.3);
}

.phone-mockup.featured .phone-frame {
  box-shadow: 0 40px 80px rgba(5, 150, 105, 0.3);
  border: 2px solid var(--primary-color);
}

.phone-screen {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 24px;
  box-shadow: none;
}

.phone-screen:hover {
  transform: none;
}

.mockups-features {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  margin-bottom: 50px;
}

.feature-item {
  flex: 1;
  text-align: center;
  padding: 30px 20px;
  background: rgba(255, 255, 255, 0.9);
  border-radius: 15px;
  box-shadow: 0 12px 25px rgba(0, 0, 0, 0.05),
    0 5px 10px rgba(74, 110, 224, 0.08);
  border: 1px solid rgba(74, 110, 224, 0.1);
  transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
  position: relative;
  overflow: hidden;
}

.feature-item:hover {
  transform: translateY(-10px);
  box-shadow: 0 20px 35px rgba(0, 0, 0, 0.07),
    0 10px 20px rgba(74, 110, 224, 0.12);
  border-color: rgba(74, 110, 224, 0.3);
}

.feature-item::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 5px;
  background: linear-gradient(90deg, var(--primary-color), #3452b1);
}

.feature-icon {
  width: 70px;
  height: 70px;
  margin: 0 auto 20px;
  background: rgba(5, 150, 105, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  color: var(--primary-color);
  transition: all 0.3s ease;
}

.feature-item:hover .feature-icon {
  background: var(--primary-color);
  color: white;
  transform: scale(1.1);
  box-shadow: 0 10px 20px rgba(5, 150, 105, 0.3);
}

.feature-item h3 {
  font-size: 1.3rem;
  margin-bottom: 15px;
  color: var(--dark-color);
}

.feature-item p {
  color: #666;
  font-size: 1rem;
}

.app-mockups .cta-section {
  text-align: center;
  margin-top: 30px;
}

.app-mockups .btn-primary {
  padding: 15px 30px;
  font-size: 1.1rem;
  box-shadow: 0 8px 20px rgba(5, 150, 105, 0.3);
}

.app-mockups .btn-primary:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 25px rgba(5, 150, 105, 0.4);
}

/* Медиа-запросы для адаптивности */
@media (max-width: 1024px) {
  .phone-frame {
    width: 200px;
    height: 400px;
  }

  .mockups-container {
    gap: 15px;
  }
}

@media (max-width: 992px) {
  .mockups-features {
    flex-direction: column;
    max-width: 600px;
    margin: 0 auto 40px;
  }

  .feature-item {
    flex: 1 1 100%;
    margin-bottom: 20px;
  }

  .mockups-container {
    gap: 10px;
  }

  .phone-frame {
    width: 180px;
    height: 360px;
  }
}

@media (max-width: 768px) {
  .app-mockups {
    padding: 70px 0;
  }

  .app-mockups h2 {
    font-size: 1.8rem;
    margin-bottom: 40px;
  }

  .app-mockups h2::after {
    width: 80px;
  }

  .mockups-description {
    font-size: 1.1rem;
    margin-bottom: 30px;
  }

  .mockups-container {
    margin: 30px auto 40px;
    max-width: 90%;
    align-items: center;
    justify-content: center;
  }

  .phone-frame {
    width: 150px;
    height: 300px;
    border-radius: 30px;
    padding: 8px;
  }

  .phone-screen {
    border-radius: 22px;
  }

  .feature-icon {
    width: 60px;
    height: 60px;
    font-size: 1.5rem;
  }

  .feature-item h3 {
    font-size: 1.2rem;
  }

  .feature-item {
    padding: 25px 15px;
  }
}

@media (max-width: 576px) {
  .app-mockups {
    padding: 60px 0;
  }

  .app-mockups h2 {
    font-size: 1.6rem;
  }

  .mockups-description {
    font-size: 1rem;
    margin-bottom: 25px;
  }

  .mockups-container {
    flex-direction: column;
    gap: 30px;
  }

  .phone-mockup {
    transform: none !important;
  }

  .phone-mockup.featured {
    transform: none !important;
    order: -1;
  }

  .phone-frame {
    width: 200px;
    height: 400px;
    margin: 0 auto;
  }

  .mockups-features {
    gap: 15px;
  }

  .feature-item {
    padding: 20px 15px;
  }

  .feature-icon {
    width: 50px;
    height: 50px;
    font-size: 1.3rem;
    margin-bottom: 15px;
  }
}

@media (max-width: 375px) {
  .phone-frame {
    width: 160px;
    height: 320px;
  }

  .mockups-container {
    gap: 20px;
  }

  .app-mockups h2::before,
  .app-mockups h2::after {
    bottom: -10px;
  }

  .feature-item {
    padding: 15px 10px;
  }
}

@media (max-width: 480px) {
  .app-mockups {
    padding: 50px 0;
  }

  .app-mockups h2 {
    font-size: 1.5rem;
    margin-bottom: 30px;
  }

  .app-mockups h2::after {
    height: 3px;
    width: 70px;
  }

  .app-mockups h2::before {
    height: 3px;
    width: 25px;
  }

  .mockups-description {
    font-size: 0.95rem;
    margin-bottom: 20px;
  }

  .mockups-container {
    max-width: 280px;
    margin: 20px auto 30px;
  }

  .phone-frame {
    width: 140px;
    height: 280px;
    border-radius: 25px;
    padding: 6px;
  }

  .phone-screen {
    border-radius: 19px;
  }

  .feature-item {
    padding: 15px 10px;
  }

  .feature-icon {
    width: 45px;
    height: 45px;
    font-size: 1.2rem;
    margin-bottom: 12px;
  }

  .feature-item h3 {
    font-size: 1.1rem;
    margin-bottom: 10px;
  }

  .feature-item p {
    font-size: 0.9rem;
  }

  .app-mockups::after {
    font-size: 250px;
  }
}

.scroll-element {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}