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

        body {
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
            line-height: 1.6;
            color: #333;
            background-color: #f5f5f5;
        }

        /* ============= COLOR PALETTE ============= */
        :root {
            --primary-navy: #0f3a7d;
            --navy-dark: #051d3d;
            --navy-light: #1e5db8;
            --navy-lighter: #2d6fa1;
            --white: #ffffff;
            --gray-light: #f5f5f5;
            --gray-bg: #f9f9f9;
            --accent-green: #22c55e;
            --accent-green-hover: #16a34a;
            --accent-green-light: #dcfce7;
            --text-primary: #1f2937;
            --text-secondary: #6b7280;
            --text-muted: #9ca3af;
            --border-color: #e5e7eb;
            --success: #10b981;
            --warning: #f59e0b;
            --danger: #ef4444;
        }

        /* ============= HEADER & NAVIGATION ============= */
        header {
            background: linear-gradient(135deg, var(--primary-navy) 0%, var(--navy-dark) 100%);
            color: var(--white);
            padding: 0;
            position: sticky;
            top: 0;
            z-index: 1000;
            box-shadow: 0 4px 20px rgba(0,0,0,0.15);
        }

        .header-content {
            max-width: 1400px;
            margin: 0 auto;
            padding: 15px 20px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            flex-wrap: wrap;
            gap: 20px;
        }

        .logo {
            display: flex;
            align-items: center;
            gap: 12px;
            font-size: 24px;
            font-weight: 800;
            letter-spacing: -0.5px;
        }

        .logo i {
            font-size: 32px;
            background: var(--accent-green);
            padding: 8px 10px;
            border-radius: 6px;
        }

        nav {
            display: flex;
            gap: 5px;
            align-items: center;
            flex-wrap: wrap;
        }

        nav a, nav button {
            color: var(--white);
            background: none;
            border: none;
            padding: 10px 15px;
            cursor: pointer;
            font-size: 13px;
            font-weight: 500;
            transition: all 0.3s ease;
            border-radius: 4px;
        }

        nav a:hover, nav button:hover {
            background-color: rgba(34, 197, 94, 0.2);
        }

        nav a.active, nav button.active {
            background-color: var(--accent-green);
            color: var(--white);
        }

        .btn-start {
            background-color: var(--accent-green) !important;
            color: var(--white) !important;
            padding: 10px 22px !important;
            border-radius: 6px !important;
            font-weight: 600 !important;
            transition: all 0.3s ease;
            box-shadow: 0 4px 12px rgba(34, 197, 94, 0.3);
        }

        .btn-start:hover {
            background-color: var(--accent-green-hover) !important;
            transform: translateY(-2px);
            box-shadow: 0 6px 20px rgba(34, 197, 94, 0.4);
        }

        .edit-toggle {
            background-color: rgba(34, 197, 94, 0.2);
            color: var(--accent-green);
            border: 1px solid var(--accent-green);
            padding: 8px 16px;
            border-radius: 6px;
            cursor: pointer;
            font-weight: 600;
            font-size: 13px;
            transition: all 0.3s ease;
        }

        .edit-toggle:hover {
            background-color: var(--accent-green);
            color: var(--white);
        }

        /* ============= EDITABLE ELEMENTS ============= */
        .editable {
            position: relative;
        }

        .editable:hover {
            background-color: rgba(34, 197, 94, 0.08);
            border-radius: 4px;
            outline: 1px dashed rgba(34, 197, 94, 0.3);
        }

        .edit-input {
            width: 100%;
            padding: 12px;
            border: 2px solid var(--accent-green);
            border-radius: 6px;
            font-family: inherit;
            font-size: inherit;
            line-height: inherit;
            resize: vertical;
        }

        /* ============= HERO SECTIONS ============= */
        .hero-premium {
            background: linear-gradient(135deg, var(--primary-navy) 0%, var(--navy-light) 50%, var(--navy-lighter) 100%);
            color: var(--white);
            padding: 100px 20px;
            position: relative;
            overflow: hidden;
        }

        .hero-premium::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -10%;
            width: 500px;
            height: 500px;
            background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);
            border-radius: 50%;
            animation: float 6s ease-in-out infinite;
        }

        .hero-premium::after {
            content: '';
            position: absolute;
            bottom: -20%;
            left: -5%;
            width: 400px;
            height: 400px;
            background: radial-gradient(circle, rgba(34, 197, 94, 0.08) 0%, transparent 70%);
            border-radius: 50%;
            animation: float 8s ease-in-out infinite reverse;
        }

        @keyframes float {
            0%, 100% { transform: translateY(0px); }
            50% { transform: translateY(20px); }
        }

        .hero-content {
            max-width: 1400px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: 1.2fr 1fr;
            gap: 80px;
            align-items: center;
            position: relative;
            z-index: 1;
        }

        .hero-text h1 {
            font-size: 56px;
            font-weight: 800;
            margin-bottom: 25px;
            line-height: 1.1;
            letter-spacing: -1px;
        }

        .hero-text h1 .highlight {
            color: var(--accent-green);
            display: inline-block;
            position: relative;
        }

        .hero-text h1 .highlight::after {
            content: '';
            position: absolute;
            bottom: -5px;
            left: 0;
            width: 100%;
            height: 4px;
            background: var(--accent-green);
            opacity: 0.3;
        }

        .hero-text .subtitle {
            font-size: 20px;
            color: rgba(255,255,255,0.9);
            margin-bottom: 15px;
            font-weight: 500;
        }

        .hero-text p {
            font-size: 17px;
            color: rgba(255,255,255,0.85);
            margin-bottom: 35px;
            line-height: 1.8;
        }

        .hero-stats {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 25px;
            margin-bottom: 40px;
            padding-bottom: 35px;
            border-bottom: 1px solid rgba(255,255,255,0.1);
        }

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

        .stat-number {
            font-size: 32px;
            font-weight: 800;
            color: var(--accent-green);
            display: block;
            margin-bottom: 5px;
        }

        .stat-label {
            font-size: 13px;
            color: rgba(255,255,255,0.7);
            text-transform: uppercase;
            letter-spacing: 1px;
        }

        .hero-buttons {
            display: flex;
            gap: 20px;
            flex-wrap: wrap;
        }

        .btn {
            padding: 14px 35px;
            border: none;
            border-radius: 6px;
            font-size: 16px;
            font-weight: 600;
            cursor: pointer;
            transition: all 0.3s ease;
            text-decoration: none;
            display: inline-block;
            text-align: center;
        }

        .btn-primary {
            background-color: var(--accent-green);
            color: var(--white);
            box-shadow: 0 4px 15px rgba(34, 197, 94, 0.3);
        }

        .btn-primary:hover {
            background-color: var(--accent-green-hover);
            transform: translateY(-3px);
            box-shadow: 0 8px 25px rgba(34, 197, 94, 0.4);
        }

        .btn-secondary {
            background-color: rgba(255,255,255,0.15);
            color: var(--white);
            border: 2px solid var(--white);
            backdrop-filter: blur(10px);
        }

        .btn-secondary:hover {
            background-color: rgba(255,255,255,0.25);
            transform: translateY(-3px);
        }

        .hero-illustration {
            display: flex;
            justify-content: center;
            align-items: center;
            position: relative;
        }

        .illust-box {
            width: 350px;
            height: 350px;
            background: rgba(255,255,255,0.08);
            border-radius: 20px;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 140px;
            backdrop-filter: blur(10px);
            border: 2px solid rgba(255,255,255,0.1);
            box-shadow: 0 20px 60px rgba(0,0,0,0.3);
        }

        /* ============= CONTENT SECTIONS ============= */
        .container {
            max-width: 1400px;
            margin: 0 auto;
            padding: 0 20px;
        }

        section {
            padding: 100px 20px;
        }

        .section-header {
            text-align: center;
            margin-bottom: 70px;
        }

        .section-title {
            font-size: 42px;
            font-weight: 800;
            color: var(--text-primary);
            margin-bottom: 20px;
        }

        .section-subtitle {
            font-size: 18px;
            color: var(--text-secondary);
            max-width: 600px;
            margin: 0 auto;
            line-height: 1.7;
        }

        /* ============= FEATURE CARDS ============= */
        .cards-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
            gap: 35px;
            margin-bottom: 50px;
        }

        .card {
            background: var(--white);
            border-radius: 12px;
            padding: 40px;
            border: 1px solid var(--border-color);
            transition: all 0.4s ease;
            position: relative;
            overflow: hidden;
        }

        .card::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 4px;
            background: linear-gradient(90deg, var(--accent-green), var(--navy-light));
            transform: scaleX(0);
            transform-origin: left;
            transition: transform 0.4s ease;
        }

        .card:hover {
            box-shadow: 0 15px 40px rgba(0,0,0,0.1);
            transform: translateY(-8px);
            border-color: var(--accent-green);
        }

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

        .card-icon {
            font-size: 50px;
            margin-bottom: 20px;
            display: block;
        }

        .card-title {
            font-size: 22px;
            font-weight: 700;
            color: var(--text-primary);
            margin-bottom: 15px;
        }

        .card-text {
            font-size: 15px;
            color: var(--text-secondary);
            line-height: 1.8;
        }

        /* ============= NAVY FEATURE CARDS ============= */
        .nav-cards-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
            gap: 25px;
            background: linear-gradient(135deg, var(--primary-navy) 0%, var(--navy-light) 100%);
            color: var(--white);
            padding: 60px;
            border-radius: 16px;
            margin-bottom: 50px;
            position: relative;
            overflow: hidden;
        }

        .nav-cards-grid::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -20%;
            width: 400px;
            height: 400px;
            background: radial-gradient(circle, rgba(255,255,255,0.08) 0%, transparent 70%);
            border-radius: 50%;
        }

        .nav-card {
            text-align: center;
            padding: 35px;
            border-radius: 12px;
            background: rgba(255,255,255,0.08);
            cursor: pointer;
            transition: all 0.4s ease;
            border: 1px solid rgba(255,255,255,0.1);
            position: relative;
            z-index: 1;
            backdrop-filter: blur(10px);
        }

        .nav-card:hover {
            background: rgba(255,255,255,0.15);
            transform: translateY(-8px);
            box-shadow: 0 20px 40px rgba(0,0,0,0.2);
        }

        .nav-card-icon {
            font-size: 50px;
            margin-bottom: 15px;
        }

        .nav-card-title {
            font-size: 20px;
            font-weight: 700;
            margin-bottom: 10px;
        }

        .nav-card-text {
            font-size: 14px;
            color: rgba(255,255,255,0.8);
            line-height: 1.6;
        }

        /* ============= TWO COLUMN LAYOUT ============= */
        .two-column {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 70px;
            align-items: start;
            margin-bottom: 60px;
        }

        .column-text h2 {
            font-size: 36px;
            font-weight: 800;
            color: var(--text-primary);
            margin-bottom: 25px;
            line-height: 1.2;
        }

        .column-text h3 {
            font-size: 22px;
            font-weight: 700;
            color: var(--text-primary);
            margin-bottom: 15px;
            margin-top: 30px;
        }

        .column-text p {
            font-size: 16px;
            color: var(--text-secondary);
            margin-bottom: 20px;
            line-height: 1.8;
        }

        /* ============= STEP CARDS ============= */
        .steps-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 30px;
            margin-bottom: 40px;
        }

        .step-card {
            background: var(--white);
            border-radius: 12px;
            padding: 40px;
            border: 1px solid var(--border-color);
            position: relative;
            transition: all 0.4s ease;
        }

        .step-card:hover {
            box-shadow: 0 15px 40px rgba(0,0,0,0.1);
        }

        .step-number {
            position: absolute;
            left: 30px;
            top: 30px;
            width: 50px;
            height: 50px;
            background: linear-gradient(135deg, var(--accent-green), var(--navy-light));
            color: var(--white);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: 800;
            font-size: 24px;
            box-shadow: 0 6px 20px rgba(34, 197, 94, 0.3);
        }

        .step-card h3 {
            font-size: 22px;
            font-weight: 700;
            color: var(--text-primary);
            margin-bottom: 12px;
            margin-top: 20px;
        }

        .step-card p {
            font-size: 15px;
            color: var(--text-secondary);
            line-height: 1.8;
        }

        /* ============= CREDIT SCORE SECTION ============= */
        .score-container {
            background: var(--white);
            border-radius: 16px;
            padding: 50px;
            border: 1px solid var(--border-color);
            margin-bottom: 50px;
        }

        .score-gauge {
            width: 280px;
            height: 280px;
            border-radius: 50%;
            background: conic-gradient(
                #ef4444 0deg,
                #ef4444 36deg,
                #f59e0b 36deg,
                #f59e0b 144deg,
                #10b981 144deg,
                #10b981 360deg
            );
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 30px;
            position: relative;
            box-shadow: inset 0 0 0 18px var(--white), 0 0 30px rgba(0,0,0,0.15);
        }

        .score-text {
            text-align: center;
        }

        .score-value {
            font-size: 70px;
            font-weight: 800;
            color: var(--primary-navy);
            line-height: 1;
        }

        .score-label {
            font-size: 20px;
            font-weight: 700;
            color: var(--accent-green);
            margin-top: 8px;
        }

        /* ============= SCORE RANGE BADGES ============= */
        .score-range {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
            gap: 20px;
            margin-bottom: 40px;
        }

        .score-badge {
            padding: 25px;
            border-radius: 12px;
            text-align: center;
            border: 2px solid;
            font-weight: 700;
            transition: all 0.3s ease;
        }

        .score-badge:hover {
            transform: translateY(-5px);
            box-shadow: 0 10px 25px rgba(0,0,0,0.1);
        }

        .score-badge.excellent {
            background-color: #ecfdf5;
            border-color: #10b981;
            color: #065f46;
        }

        .score-badge.good {
            background-color: #eff6ff;
            border-color: #3b82f6;
            color: #1e40af;
        }

        .score-badge.fair {
            background-color: #fffbeb;
            border-color: #f59e0b;
            color: #92400e;
        }

        .score-badge.poor {
            background-color: #fef2f2;
            border-color: #ef4444;
            color: #7f1d1d;
        }

        .score-badge-value {
            display: block;
            font-size: 18px;
            margin-bottom: 5px;
        }

        .score-badge-label {
            display: block;
            font-size: 14px;
        }

        /* ============= FACTORS GRID ============= */
        .factors-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 25px;
            margin-bottom: 50px;
        }

        .factor-card {
            background: var(--accent-green-light);
            border-radius: 12px;
            padding: 30px;
            border-left: 5px solid var(--accent-green);
            display: flex;
            gap: 20px;
        }

        .factor-icon {
            font-size: 32px;
            min-width: 45px;
            text-align: center;
        }

        .factor-content h4 {
            font-size: 18px;
            font-weight: 700;
            color: var(--primary-navy);
            margin-bottom: 5px;
        }

        .factor-content p {
            font-size: 14px;
            color: var(--text-secondary);
            line-height: 1.6;
        }

        /* ============= CHECKLIST ============= */
        .checklist {
            list-style: none;
            margin: 30px 0;
        }

        .checklist li {
            padding: 14px 0;
            padding-left: 35px;
            position: relative;
            color: var(--text-secondary);
            font-size: 16px;
            line-height: 1.6;
            transition: all 0.3s ease;
            border-bottom: 1px solid var(--border-color);
        }

        .checklist li:last-child {
            border-bottom: none;
        }

        .checklist li:hover {
            padding-left: 40px;
        }

        .checklist li:before {
            content: "✓";
            position: absolute;
            left: 0;
            color: var(--accent-green);
            font-weight: 800;
            font-size: 20px;
        }

        /* ============= INFO BOX ============= */
        .info-box {
            background: linear-gradient(135deg, var(--primary-navy) 0%, var(--navy-light) 100%);
            color: var(--white);
            padding: 60px;
            border-radius: 16px;
            margin-bottom: 50px;
            position: relative;
            overflow: hidden;
        }

        .info-box::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -10%;
            width: 400px;
            height: 400px;
            background: radial-gradient(circle, rgba(255,255,255,0.08) 0%, transparent 70%);
            border-radius: 50%;
        }

        .info-box h3 {
            font-size: 32px;
            font-weight: 800;
            margin-bottom: 40px;
            position: relative;
            z-index: 1;
        }

        .info-box-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 40px;
            position: relative;
            z-index: 1;
        }

        .info-item h4 {
            font-size: 20px;
            font-weight: 700;
            margin-bottom: 12px;
            color: var(--accent-green);
        }

        .info-item p {
            font-size: 15px;
            color: rgba(255,255,255,0.85);
            line-height: 1.7;
        }

        /* ============= GLOSSARY ============= */
        .glossary-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
            gap: 30px;
            margin-bottom: 50px;
        }

        .glossary-card {
            background: var(--white);
            border-radius: 12px;
            padding: 30px;
            border: 1px solid var(--border-color);
            transition: all 0.4s ease;
        }

        .glossary-card:hover {
            box-shadow: 0 15px 40px rgba(0,0,0,0.1);
            border-color: var(--accent-green);
        }

        .term-name {
            font-weight: 800;
            color: var(--primary-navy);
            margin-bottom: 10px;
            font-size: 18px;
        }

        .term-def {
            font-size: 15px;
            color: var(--text-secondary);
            line-height: 1.7;
        }

        /* ============= COMPARISON TABLE ============= */
        .comparison-table {
            width: 100%;
            background: var(--white);
            border-radius: 12px;
            overflow: hidden;
            border: 1px solid var(--border-color);
            margin-bottom: 50px;
        }

        .comparison-table th,
        .comparison-table td {
            padding: 20px;
            text-align: left;
            border-bottom: 1px solid var(--border-color);
        }

        .comparison-table th {
            background: linear-gradient(135deg, var(--primary-navy) 0%, var(--navy-light) 100%);
            color: var(--white);
            font-weight: 700;
        }

        .comparison-table tr:hover {
            background-color: var(--gray-light);
        }

        /* ============= MYTH SECTION ============= */
        .myth-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
            gap: 30px;
            margin-bottom: 50px;
        }

        .myth-item {
            padding: 30px;
            border-radius: 12px;
            background-color: #fef2f2;
            border: 2px solid #fecaca;
        }

        .myth-item:hover {
            box-shadow: 0 10px 30px rgba(239, 68, 68, 0.1);
        }

        .myth-title {
            color: var(--danger);
            font-weight: 800;
            margin-bottom: 12px;
            font-size: 16px;
            display: flex;
            align-items: center;
            gap: 10px;
        }

        .myth-title::before {
            content: '✕';
            font-size: 20px;
        }

        .myth-content {
            color: var(--success);
            font-size: 15px;
            line-height: 1.7;
            display: flex;
            align-items: flex-start;
            gap: 10px;
        }

        .myth-content::before {
            content: '✓';
            font-size: 18px;
            font-weight: 700;
            flex-shrink: 0;
        }

        /* ============= EMI SECTION ============= */
        .emi-box {
            background: linear-gradient(135deg, var(--primary-navy) 0%, var(--navy-light) 100%);
            color: var(--white);
            padding: 60px;
            border-radius: 16px;
            margin-bottom: 50px;
            position: relative;
            overflow: hidden;
        }

        .emi-box::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -10%;
            width: 400px;
            height: 400px;
            background: radial-gradient(circle, rgba(255,255,255,0.08) 0%, transparent 70%);
            border-radius: 50%;
        }

        .emi-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
            gap: 30px;
            margin-bottom: 35px;
            text-align: center;
            position: relative;
            z-index: 1;
        }

        .emi-item {
            padding: 25px;
            background: rgba(255,255,255,0.1);
            border-radius: 12px;
            border: 1px solid rgba(255,255,255,0.15);
            backdrop-filter: blur(10px);
            transition: all 0.3s ease;
        }

        .emi-item:hover {
            background: rgba(255,255,255,0.15);
            transform: translateY(-5px);
        }

        .emi-label {
            font-size: 12px;
            color: rgba(255,255,255,0.7);
            text-transform: uppercase;
            margin-bottom: 12px;
            letter-spacing: 1px;
            font-weight: 600;
        }

        .emi-value {
            font-size: 26px;
            font-weight: 800;
        }

        .emi-result {
            text-align: center;
            padding-top: 30px;
            border-top: 1px solid rgba(255,255,255,0.2);
            position: relative;
            z-index: 1;
        }

        .emi-result p {
            color: rgba(255,255,255,0.8);
            margin-bottom: 12px;
            font-size: 15px;
        }

        .emi-monthly {
            font-size: 42px;
            font-weight: 800;
            color: var(--accent-green);
        }

        /* ============= CONTACT FORM ============= */
        .contact-wrapper {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 60px;
            align-items: start;
        }

        .contact-form {
            background-color: var(--white);
            padding: 40px;
            border-radius: 12px;
            border: 1px solid var(--border-color);
        }

        .form-group {
            margin-bottom: 25px;
        }

        .form-group label {
            display: block;
            font-weight: 700;
            margin-bottom: 10px;
            color: var(--text-primary);
            font-size: 15px;
        }

        .form-group input,
        .form-group textarea {
            width: 100%;
            padding: 14px;
            border: 1.5px solid var(--border-color);
            border-radius: 8px;
            font-family: inherit;
            font-size: 15px;
            transition: all 0.3s ease;
        }

        .form-group input:focus,
        .form-group textarea:focus {
            outline: none;
            border-color: var(--accent-green);
            box-shadow: 0 0 0 4px rgba(34, 197, 94, 0.1);
        }

        .form-group textarea {
            resize: vertical;
            min-height: 140px;
        }

        .contact-info {
            display: flex;
            flex-direction: column;
            gap: 40px;
        }

        .contact-item {
            display: flex;
            gap: 20px;
            align-items: flex-start;
        }

        .contact-icon {
            font-size: 32px;
            color: var(--primary-navy);
            min-width: 45px;
            text-align: center;
        }

        .contact-content h4 {
            font-weight: 700;
            color: var(--text-primary);
            margin-bottom: 5px;
            font-size: 16px;
        }

        .contact-content p {
            color: var(--text-secondary);
            font-size: 15px;
        }

        /* ============= CTA SECTION ============= */
        .cta-section {
            background: linear-gradient(135deg, var(--accent-green) 0%, var(--success) 100%);
            color: var(--white);
            padding: 60px;
            text-align: center;
            border-radius: 16px;
            margin-bottom: 50px;
            position: relative;
            overflow: hidden;
            box-shadow: 0 20px 40px rgba(34, 197, 94, 0.3);
        }

        .cta-section::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -10%;
            width: 400px;
            height: 400px;
            background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);
            border-radius: 50%;
        }

        .cta-section p {
            font-size: 22px;
            margin-bottom: 25px;
            position: relative;
            z-index: 1;
            font-weight: 600;
        }

        .cta-section .btn-primary {
            box-shadow: 0 8px 20px rgba(0,0,0,0.2);
            background-color: var(--white);
            color: var(--accent-green);
        }

        .cta-section .btn-primary:hover {
            background-color: var(--accent-green-light);
            color: var(--accent-green);
        }

        /* ============= FOOTER ============= */
        footer {
            background: linear-gradient(135deg, var(--primary-navy) 0%, var(--navy-dark) 100%);
            color: var(--white);
            padding: 60px 20px 30px;
            text-align: center;
        }

        .footer-content {
            max-width: 1400px;
            margin: 0 auto;
        }

        .footer-sections {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 50px;
            margin-bottom: 40px;
            text-align: left;
        }

        .footer-section h4 {
            font-weight: 700;
            margin-bottom: 15px;
            font-size: 16px;
        }

        .footer-section a {
            color: rgba(255,255,255,0.7);
            text-decoration: none;
            font-size: 14px;
            display: block;
            margin-bottom: 10px;
            transition: all 0.3s ease;
        }

        .footer-section a:hover {
            color: var(--accent-green);
        }

        .footer-logo {
            font-size: 24px;
            font-weight: 800;
            margin-bottom: 10px;
        }

        .footer-tagline {
            font-size: 15px;
            color: rgba(255,255,255,0.7);
            margin-bottom: 30px;
        }

        .footer-bottom {
            padding-top: 30px;
            border-top: 1px solid rgba(255,255,255,0.1);
        }

        .footer-copyright {
            font-size: 13px;
            color: rgba(255,255,255,0.5);
        }

        /* ============= PAGE VISIBILITY ============= */
        .page {
            display: none;
        }

        .page.active {
            display: block;
        }

        /* ============= RESPONSIVE ============= */
        @media (max-width: 1024px) {
            .hero-content {
                grid-template-columns: 1fr;
                gap: 50px;
            }

            .hero-text h1 {
                font-size: 42px;
            }

            .illust-box {
                width: 280px;
                height: 280px;
                font-size: 100px;
            }

            .two-column {
                grid-template-columns: 1fr;
                gap: 50px;
            }

            .contact-wrapper {
                grid-template-columns: 1fr;
                gap: 40px;
            }

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

        @media (max-width: 768px) {
            header {
                padding: 0;
            }

            .header-content {
                padding: 12px 15px;
            }

            nav {
                width: 100%;
                justify-content: center;
                gap: 3px;
            }

            nav a, nav button {
                padding: 8px 10px;
                font-size: 11px;
            }

            .hero-premium {
                padding: 60px 20px;
            }

            .hero-text h1 {
                font-size: 32px;
            }

            .hero-text .subtitle {
                font-size: 16px;
            }

            .hero-text p {
                font-size: 15px;
            }

            .hero-buttons {
                flex-direction: column;
                gap: 12px;
            }

            .btn {
                width: 100%;
                padding: 12px 25px;
            }

            section {
                padding: 60px 0;
            }

            .section-title {
                font-size: 32px;
            }

            .cards-grid {
                grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
                gap: 25px;
            }

            .card, .step-card {
                padding: 30px;
            }

            .nav-cards-grid {
                grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
                padding: 40px;
                gap: 20px;
            }

            .info-box {
                padding: 40px;
            }

            .info-box h3 {
                font-size: 24px;
            }

            .emi-box {
                padding: 40px;
            }

            .contact-form {
                padding: 30px;
            }

            .cta-section {
                padding: 40px;
            }

            .cta-section p {
                font-size: 18px;
            }

            .score-gauge {
                width: 200px;
                height: 200px;
            }

            .score-value {
                font-size: 50px;
            }

            .footer-sections {
                grid-template-columns: 1fr;
                gap: 30px;
                text-align: center;
            }

            .footer-section a {
                display: inline-block;
                margin: 0 15px;
            }
        }

        @media (max-width: 480px) {
            .logo {
                font-size: 18px;
            }

            .logo i {
                font-size: 24px;
            }

            nav {
                gap: 2px;
            }

            nav a, nav button {
                padding: 6px 8px;
                font-size: 10px;
            }

            .hero-premium {
                padding: 40px 15px;
            }

            .hero-text h1 {
                font-size: 24px;
            }

            .hero-text p {
                font-size: 14px;
                margin-bottom: 25px;
            }

            .hero-stats {
                grid-template-columns: 1fr;
                margin-bottom: 25px;
            }

            section {
                padding: 40px 0;
            }

            .section-title {
                font-size: 24px;
            }

            .section-subtitle {
                font-size: 16px;
            }

            .cards-grid {
                grid-template-columns: 1fr;
                gap: 15px;
            }

            .card {
                padding: 20px;
            }

            .nav-cards-grid {
                grid-template-columns: 1fr;
                padding: 25px;
            }

            .illust-box {
                width: 150px;
                height: 150px;
                font-size: 60px;
            }

            .column-text h2 {
                font-size: 26px;
            }

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

            .info-box, .emi-box, .contact-form, .cta-section {
                padding: 25px;
            }

            .info-box h3, .emi-box h3 {
                font-size: 20px;
            }

            .two-column {
                gap: 30px;
            }
        }
    
/* WordPress multi-page override */
.page { display: block; }