:root {
    --primary: #40b6ee;
    --primary-dark: #377ef4;
    --secondary: #64748b;
    --accent: #c6ecff;
    --dark: #0f172a;
    --light: #f8fafc;
    --gray: #e2e8f0;
    --text: #1e293b;
    --text-light: #64748b;
    --white: #ffffff;
    --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
}

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

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, sans-serif;
    color: var(--text);
    line-height: 1.6;
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

a {
    text-decoration: none;
    color: inherit;
}

ul {
    list-style: none;
}

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

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 24px;
    border-radius: 8px;
    font-weight: 600;
    font-size: 14px;
    transition: all 0.3s ease;
    cursor: pointer;
    border: none;
}

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

.btn-primary:hover {
    background: var(--primary-dark);
    box-shadow: 0 0 20px rgba(64, 182, 238, 0.4);
}

.btn-secondary {
    background: transparent;
    color: var(--white);
    border: 2px solid rgba(255, 255, 255, 0.3);
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--white);
}

.btn-dark {
    background: var(--dark);
    color: var(--white);
}

.btn-dark:hover {
    background: #1e293b;
    box-shadow: 0 0 20px rgba(15, 23, 42, 0.4);
}

.btn-lg {
    padding: 16px 32px;
    font-size: 16px;
}

.section-title {
    font-size: 36px;
    font-weight: 700;
    text-align: center;
    margin-bottom: 48px;
    color: var(--dark);
}

.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: transparent;
    transition: all 0.3s ease;
}

.header.scrolled {
    background: var(--white);
    box-shadow: var(--shadow);
}

.header-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 24px;
    font-weight: 700;
    color: var(--white);
    transition: color 0.3s ease;
    position: relative;
}

.logo img {
    height: 40px;
    display: block;
    transition: opacity 0.3s ease;
}

.logo-white {
    display: block;
    opacity: 1;
}

.logo-black {
    display: block;
    opacity: 0;
    position: absolute;
    left: 0;
    top: 0;
}

.header.scrolled .logo-white {
    opacity: 0;
}

.header.scrolled .logo-black {
    opacity: 1;
}

.nav {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-link {
    display: flex;
    align-items: center;
    gap: 6px;
    color: rgba(255, 255, 255, 0.8);
    font-weight: 500;
    transition: color 0.3s ease;
}

.nav-link i {
    width: 18px;
    height: 18px;
}

.header.scrolled .nav-link {
    color: var(--text);
}

.nav-link:hover,
.nav-link.active {
    color: var(--white);
}

.header.scrolled .nav-link:hover,
.header.scrolled .nav-link.active {
    color: var(--primary);
}

.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 120px 0 80px;
    color: var(--white);
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, #0f172a 0%, #1e293b 50%, #0f172a 100%);
    z-index: -2;
}

.hero-bg::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background:
        radial-gradient(ellipse at 20% 80%, rgba(64, 182, 238, 0.3) 0%, transparent 50%),
        radial-gradient(ellipse at 80% 20%, rgba(55, 126, 244, 0.3) 0%, transparent 50%);
}

.hero-bg::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image: 
        linear-gradient(rgba(64, 182, 238, 0.1) 1px, transparent 1px),
        linear-gradient(90deg, rgba(64, 182, 238, 0.1) 1px, transparent 1px);
    background-size: 50px 50px;
    animation: gridMove 20s linear infinite;
}

@keyframes gridMove {
    0% { transform: translateY(0); }
    100% { transform: translateY(50px); }
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-slides {
    position: relative;
    overflow: hidden;
    margin-bottom: 32px;
}

.hero-slide {
    display: none;
    animation: fadeIn 0.5s ease-in-out;
}

.hero-slide.slide-active {
    display: block;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

.hero-slide h1 {
    font-size: 48px;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 24px;
}

.hero-slide p.hero-subtext {
    font-size: 18px;
    opacity: 0.9;
    margin-bottom: 32px;
    max-width: 500px;
}

.hero-benefits {
    display: flex;
    flex-wrap: wrap;
    gap: 24px;
    margin-bottom: 40px;
}

.benefit-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    opacity: 0.9;
}

.benefit-item i {
    color: #22c55e;
    width: 20px;
    height: 20px;
}

.hero-cta {
    display: flex;
    gap: 16px;
}

.hero-visual {
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-image {
    max-width: 100%;
    height: auto;
    animation: float 6s ease-in-out infinite;
}

.phone-mockup {
    position: relative;
    width: 280px;
    height: 560px;
    background: linear-gradient(145deg, #1a1a2e, #16213e);
    border-radius: 40px;
    padding: 12px;
    margin: 0 auto;
    box-shadow:
        0 50px 100px -20px rgba(0, 0, 0, 0.5),
        0 0 0 1px rgba(255, 255, 255, 0.1),
        inset 0 1px 0 rgba(255, 255, 255, 0.1);
    animation: float 6s ease-in-out infinite;
}

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

.phone-screen {
    width: 100%;
    height: 100%;
    background: var(--white);
    border-radius: 30px;
    overflow: hidden;
}

.app-screen {
    display: none;
    padding: 20px;
    height: 100%;
}

.app-screen.screen-active {
    display: block;
}

.app-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
}

.app-greeting {
    font-size: 14px;
    color: var(--text-light);
}

.app-header i {
    width: 20px;
    height: 20px;
    color: var(--text-light);
}

.app-balance {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    border-radius: 20px;
    padding: 24px;
    color: var(--white);
    margin-bottom: 24px;
}

.balance-label {
    display: block;
    font-size: 12px;
    opacity: 0.9;
    margin-bottom: 4px;
}

.balance-amount {
    font-size: 32px;
    font-weight: 700;
}

.app-quick-actions {
    display: flex;
    justify-content: space-around;
}

.quick-action {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
}

.quick-action i {
    width: 32px;
    height: 32px;
    background: var(--light);
    padding: 8px;
    border-radius: 12px;
    color: var(--primary);
}

.quick-action span {
    font-size: 11px;
    color: var(--text);
}

.app-form {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.form-group label {
    display: block;
    font-size: 12px;
    color: var(--text-light);
    margin-bottom: 6px;
}

.form-input {
    background: var(--light);
    padding: 12px 16px;
    border-radius: 8px;
    font-size: 14px;
    color: var(--text);
}

.app-terms {
    margin-top: 20px;
    padding: 16px;
    background: var(--light);
    border-radius: 12px;
}

.app-terms p {
    font-size: 13px;
    color: var(--text);
    margin-bottom: 4px;
}

.app-repayment {
    padding: 20px;
}

.repayment-due,
.repayment-amount {
    display: flex;
    justify-content: space-between;
    padding: 16px 0;
    border-bottom: 1px solid var(--gray);
}

.repayment-due span:first-child,
.repayment-amount span:first-child {
    font-size: 14px;
    color: var(--text-light);
}

.due-date {
    font-size: 14px;
    color: var(--text);
}

.amount {
    font-size: 20px;
    font-weight: 700;
    color: var(--primary);
}

.features {
    padding: 100px 0;
    background: linear-gradient(180deg, var(--light) 0%, #fff 100%);
    position: relative;
}

.features::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image: radial-gradient(circle at 1px 1px, rgba(0, 0, 0, 0.05) 1px, transparent 0);
    background-size: 24px 24px;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}

.feature-card {
    background: var(--white);
    border-radius: 16px;
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: all 0.3s ease;
}

.feature-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.feature-card:hover .feature-icon {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: var(--white);
}

.feature-icon {
    width: 60px;
    height: 60px;
    background: var(--light);
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    color: var(--primary);
    transition: all 0.3s ease;
}

.feature-icon i {
    width: 28px;
    height: 28px;
}

.feature-image {
    width: 100%;
    height: 120px;
    object-fit: cover;
    border-radius: 12px;
    margin-bottom: 16px;
}

.feature-card h3 {
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 8px;
    color: var(--dark);
}

.feature-card p {
    font-size: 14px;
    color: var(--text-light);
}

.how-it-works {
    padding: 100px 0;
    background: var(--white);
}

.timeline {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    position: relative;
}

.timeline::before {
    content: '';
    position: absolute;
    top: 40px;
    left: 10%;
    right: 10%;
    height: 2px;
    background: linear-gradient(90deg, var(--primary), var(--primary-dark));
}

.timeline-item {
    flex: 1;
    text-align: center;
    position: relative;
    padding: 0 15px;
}

.timeline-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    color: var(--white);
    position: relative;
    z-index: 2;
    transition: all 0.3s ease;
}

.timeline-item:hover .timeline-icon {
    transform: scale(1.1);
    box-shadow: 0 0 30px rgba(64, 182, 238, 0.4);
}

.timeline-icon i {
    width: 32px;
    height: 32px;
}

.step-number {
    display: inline-block;
    font-size: 12px;
    font-weight: 600;
    color: var(--primary);
    background: rgba(37, 99, 235, 0.1);
    padding: 4px 12px;
    border-radius: 20px;
    margin-bottom: 8px;
}

.timeline-content h3 {
    font-size: 16px;
    font-weight: 600;
    color: var(--dark);
    margin-bottom: 4px;
}

.timeline-content p {
    font-size: 13px;
    color: var(--text-light);
}

.about {
    padding: 100px 0;
    background: var(--light);
}

.about-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.about-image img {
    width: 100%;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
}

.about-text h2 {
    font-size: 36px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 24px;
}

.about-text h3 {
    font-size: 24px;
    font-weight: 600;
    color: var(--dark);
    margin: 32px 0 16px;
}

.about-text h4 {
    font-size: 18px;
    font-weight: 600;
    color: var(--primary);
    margin: 24px 0 12px;
}

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

.about-entity {
    background: var(--light);
    padding: 20px;
    border-radius: 12px;
    margin: 16px 0;
    border-left: 3px solid var(--primary);
}

.entity-details {
    list-style: none;
}

.entity-details li {
    font-size: 15px;
    color: var(--text);
    margin-bottom: 8px;
    line-height: 1.5;
}

.entity-details strong {
    color: var(--dark);
    font-weight: 600;
}

.about-values {
    display: flex;
    gap: 32px;
    margin-top: 32px;
}

.value-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 600;
    color: var(--primary);
}

.value-item i {
    width: 20px;
    height: 20px;
}

.responsible-lending {
    padding: 80px 0;
    background: linear-gradient(135deg, #eff6ff 0%, #f5f3ff 100%);
}

.responsible-content {
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.responsible-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    color: var(--white);
}

.responsible-icon i {
    width: 36px;
    height: 36px;
}

.responsible-content h2 {
    font-size: 32px;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 16px;
}

.responsible-intro {
    font-size: 16px;
    color: var(--text);
    margin-bottom: 32px;
}

.responsible-points {
    display: flex;
    justify-content: center;
    gap: 40px;
    margin-bottom: 24px;
}

.responsible-point {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    color: var(--text);
}

.responsible-point i {
    width: 20px;
    height: 20px;
    color: var(--primary);
}

.responsible-note {
    font-size: 14px;
    color: var(--text-light);
    font-style: italic;
}

.faq {
    padding: 100px 0;
    background: var(--white);
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-category {
    margin-bottom: 40px;
}

.faq-category-title {
    font-size: 14px;
    font-weight: 600;
    color: var(--primary);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 20px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--accent);
}

.faq-item {
    border: 1px solid var(--gray);
    border-radius: 12px;
    margin-bottom: 12px;
    overflow: hidden;
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: var(--white);
    border: none;
    cursor: pointer;
    font-size: 16px;
    font-weight: 600;
    color: var(--dark);
    transition: all 0.3s ease;
}

.faq-question:hover {
    background: var(--light);
}

.faq-question i {
    width: 20px;
    height: 20px;
    transition: transform 0.3s ease;
}

.faq-item.open .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-item.open .faq-answer {
    max-height: 300px;
}

.faq-answer p {
    padding: 0 24px 20px;
    font-size: 15px;
    color: var(--text-light);
}

.app-download {
    padding: 100px 0;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    position: relative;
    overflow: hidden;
}

.app-download::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
    border-radius: 50%;
}

.download-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.download-text {
    color: var(--white);
}

.download-text h2 {
    font-size: 40px;
    font-weight: 700;
    margin-bottom: 16px;
}

.download-text p {
    font-size: 18px;
    opacity: 0.9;
    margin-bottom: 32px;
}

.download-visual {
    display: flex;
    justify-content: center;
    align-items: center;
}

.download-image {
    max-width: 100%;
    height: auto;
    animation: float 6s ease-in-out infinite;
    transform: rotate(-5deg);
}

.phone-3d {
    width: 220px;
    height: 440px;
    background: linear-gradient(145deg, #1a1a2e, #16213e);
    border-radius: 32px;
    padding: 10px;
    transform: perspective(1000px) rotateY(-15deg);
    box-shadow:
        30px 30px 60px rgba(0, 0, 0, 0.3),
        0 0 0 1px rgba(255, 255, 255, 0.1);
    animation: float3d 4s ease-in-out infinite;
}

@keyframes float3d {
    0%, 100% { transform: perspective(1000px) rotateY(-15deg) translateY(0); }
    50% { transform: perspective(1000px) rotateY(-15deg) translateY(-15px); }
}

.phone-3d-screen {
    width: 100%;
    height: 100%;
    background: var(--white);
    border-radius: 24px;
    overflow: hidden;
}

.contact {
    padding: 80px 0;
    background: var(--white);
    border-top: 1px solid var(--gray);
}

.contact-content {
    display: flex;
    justify-content: center;
}

.contact-info {
    width: 100%;
    max-width: 800px;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    margin-bottom: 24px;
    padding: 16px;
    background: var(--light);
    border-radius: 12px;
    transition: all 0.3s ease;
}

.contact-item:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}

.contact-item i {
    width: 32px;
    height: 32px;
    color: var(--primary);
    flex-shrink: 0;
    margin-top: 4px;
}

.contact-text {
    flex: 1;
}

.contact-label {
    display: block;
    font-size: 14px;
    font-weight: 600;
    color: var(--text-light);
    margin-bottom: 4px;
}

.contact-value {
    display: block;
    font-size: 16px;
    color: var(--text);
    line-height: 1.4;
}

.footer {
    padding: 60px 0 30px;
    background: var(--dark);
    color: var(--white);
}

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

.footer-col h4 {
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 20px;
    color: var(--white);
}

.footer-col ul li {
    margin-bottom: 12px;
}

.footer-col ul li a {
    color: rgba(255, 255, 255, 0.7);
    font-size: 14px;
    transition: color 0.3s ease;
}

.footer-col ul li a:hover {
    color: var(--white);
}

.footer-compliance {
    grid-column: span 1;
}

.compliance-note {
    display: flex;
    gap: 12px;
    padding: 16px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 12px;
    border-left: 3px solid var(--primary);
}

.compliance-note i {
    width: 20px;
    height: 20px;
    color: var(--primary);
    flex-shrink: 0;
}

.compliance-note p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.6;
}

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

.footer-bottom p {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.5);
}

@media (max-width: 1024px) {
    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .timeline {
        flex-wrap: wrap;
        gap: 30px;
    }

    .timeline::before {
        display: none;
    }

    .timeline-item {
        flex: 0 0 30%;
    }
}

@media (max-width: 768px) {
    .nav {
        display: none;
    }

    .hero-content {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-text h1 {
        font-size: 36px;
    }

    .hero-subtext {
        margin: 0 auto 32px;
    }

    .hero-benefits {
        justify-content: center;
    }

    .hero-cta {
        justify-content: center;
        flex-wrap: wrap;
    }

    .hero-visual {
        order: -1;
    }

.phone-mockup {
    width: 240px;
    height: 480px;
}

    .features-grid {
        grid-template-columns: 1fr;
    }

    .about-content {
        grid-template-columns: 1fr;
    }

    .about-image {
        order: -1;
    }

    .download-content {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .download-visual {
        order: -1;
    }

    .contact-content {
        flex-direction: column;
        align-items: center;
        gap: 20px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
    }

    .responsible-points {
        flex-direction: column;
        align-items: center;
        gap: 16px;
    }
}