/* ===== SERVICE HERO SECTION ===== */
.service-hero {
    padding: var(--spacing-xl) 0;
    background: var(--gradient-subtle);
    position: relative;
    overflow: hidden;
}

.service-hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 40%;
    height: 100%;
    background: linear-gradient(135deg, rgba(0, 168, 120, 0.05) 0%, rgba(30, 111, 217, 0.05) 100%);
    clip-path: polygon(100% 0, 100% 100%, 0 100%);
}

.mutual-funds-hero {
    background: var(--pure-white);
}

.mutual-funds-hero .container {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-xl);
}

@media (min-width: 768px) {
    .mutual-funds-hero .container {
        grid-template-columns: 1fr 1fr;
        align-items: center;
    }
}

.hero-content {
    padding: var(--spacing-lg) 0;
}

.hero-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-md);
    line-height: 1.2;
}

@media (min-width: 768px) {
    .hero-title {
        font-size: 3rem;
    }
}

.hero-subtitle {
    font-size: 1.25rem;
    color: var(--primary-blue);
    font-weight: 600;
    margin-bottom: var(--spacing-md);
}

.hero-description {
    font-size: 1.125rem;
    color: var(--neutral-gray);
    margin-bottom: var(--spacing-xl);
    line-height: 1.7;
}

.hero-cta {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

@media (min-width: 480px) {
    .hero-cta {
        flex-direction: row;
        flex-wrap: wrap;
    }
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-lg);
    padding: var(--spacing-xl);
    background: var(--pure-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-medium);
    border: 1px solid var(--neutral-border);
}

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

.stat-number {
    font-family: 'Montserrat', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--primary-green);
    margin-bottom: var(--spacing-xs);
    line-height: 1;
}

.stat-label {
    font-size: 0.875rem;
    color: var(--neutral-gray);
    font-weight: 500;
}

/* ===== BUTTON STYLES ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    padding: var(--spacing-md) var(--spacing-xl);
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.9375rem;
    text-decoration: none;
    border: 2px solid transparent;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-normal);
    text-align: center;
    line-height: 1;
}

.btn:focus-visible {
    outline: 2px solid var(--primary-blue);
    outline-offset: 2px;
}

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

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-medium);
}

.btn-outline {
    background: transparent;
    border-color: var(--primary-blue);
    color: var(--primary-blue);
}

.btn-outline:hover {
    background: var(--gradient-subtle);
    transform: translateY(-2px);
    box-shadow: var(--shadow-subtle);
}

.btn-large {
    padding: var(--spacing-lg) var(--spacing-xl);
    font-size: 1.125rem;
}

/* ===== SECTION COMMON STYLES ===== */
.section-header {
    text-align: center;
    margin-bottom: var(--spacing-xl);
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.section-header h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-md);
    line-height: 1.2;
}

.section-header p {
    font-size: 1.125rem;
    color: var(--neutral-gray);
    line-height: 1.6;
}

@media (min-width: 768px) {
    .section-header h2 {
        font-size: 2.5rem;
    }
}

/* ===== EXPLANATION SECTION ===== */
.explanation-section {
    padding: var(--spacing-xl) 0;
    background: var(--pure-white);
}

.explanation-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-xl);
}

@media (min-width: 992px) {
    .explanation-content {
        grid-template-columns: 1fr 1fr;
        align-items: start;
        gap: var(--spacing-xl);
    }
}

.explanation-text h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.75rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-md);
    line-height: 1.3;
}

.explanation-text p {
    font-size: 1.125rem;
    color: var(--neutral-gray);
    margin-bottom: var(--spacing-xl);
    line-height: 1.7;
}

.feature-list {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.feature-item {
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
}

.feature-item i {
    font-size: 1.5rem;
    color: var(--primary-blue);
    background: var(--gradient-subtle);
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-md);
    flex-shrink: 0;
}

.feature-item h4 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xs);
}

.feature-item p {
    font-size: 1rem;
    color: var(--neutral-gray);
    margin-bottom: 0;
    line-height: 1.6;
}

.visual-card {
    background: var(--gradient-subtle);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    border: 1px solid var(--neutral-border);
    box-shadow: var(--shadow-subtle);
}

.visual-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-lg);
    text-align: center;
}

.visual-steps {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.step {
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
}

.step-number {
    width: 36px;
    height: 36px;
    background: var(--gradient-primary);
    color: var(--pure-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 1rem;
    flex-shrink: 0;
}

.step-content h4 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xs);
}

.step-content p {
    font-size: 0.9375rem;
    color: var(--neutral-gray);
    line-height: 1.6;
}

/* ===== BENEFITS SECTION ===== */
.benefits-section {
    padding: var(--spacing-xl) 0;
    background: var(--neutral-light);
}

.benefits-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
}

@media (min-width: 768px) {
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .benefits-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.benefit-card {
    background: var(--pure-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    border: 1px solid var(--neutral-border);
    box-shadow: var(--shadow-subtle);
    transition: all var(--transition-normal);
    height: 100%;
}

.benefit-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--primary-blue);
}

.benefit-icon {
    width: 64px;
    height: 64px;
    background: var(--gradient-subtle);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--spacing-lg);
}

.benefit-icon i {
    font-size: 1.75rem;
    color: var(--primary-blue);
}

.benefit-card h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-md);
    line-height: 1.3;
}

.benefit-card p {
    font-size: 1rem;
    color: var(--neutral-gray);
    margin-bottom: var(--spacing-lg);
    line-height: 1.6;
}

.benefit-list {
    list-style: none;
    padding: 0;
}

.benefit-list li {
    font-size: 0.9375rem;
    color: var(--neutral-dark);
    padding-left: var(--spacing-lg);
    position: relative;
    margin-bottom: var(--spacing-sm);
    line-height: 1.5;
}

.benefit-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--primary-green);
    font-weight: 600;
}

/* ===== WHY CHOOSE US SECTION ===== */
.why-choose-section {
    padding: var(--spacing-xl) 0;
    background: var(--pure-white);
}

.why-choose-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
}

@media (min-width: 992px) {
    .why-choose-content {
        grid-template-columns: 1fr 1fr;
        align-items: start;
        gap: var(--spacing-xl);
    }
}

.why-choose-text {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.expertise-item {
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
}

.expertise-icon {
    width: 48px;
    height: 48px;
    background: var(--gradient-subtle);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.expertise-icon i {
    font-size: 1.25rem;
    color: var(--primary-blue);
}

.expertise-content h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xs);
    line-height: 1.3;
}

.expertise-content p {
    font-size: 1rem;
    color: var(--neutral-gray);
    line-height: 1.6;
}

.process-timeline {
    background: var(--gradient-subtle);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    border: 1px solid var(--neutral-border);
    box-shadow: var(--shadow-subtle);
    height: 100%;
}

.timeline-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xl);
    text-align: center;
}

.timeline-steps {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xl);
    position: relative;
}

.timeline-steps::before {
    content: '';
    position: absolute;
    left: 24px;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--gradient-primary);
}

.timeline-step {
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
    position: relative;
}

.step-marker {
    width: 50px;
    height: 50px;
    background: var(--pure-white);
    border: 2px solid var(--primary-blue);
    color: var(--primary-blue);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 1.125rem;
    flex-shrink: 0;
    z-index: 1;
}

.step-content {
    flex: 1;
    padding-top: var(--spacing-sm);
}

.step-content h4 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xs);
}

.step-content p {
    font-size: 0.9375rem;
    color: var(--neutral-gray);
    line-height: 1.6;
}

.trust-indicators {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
    padding: var(--spacing-xl);
    background: var(--gradient-subtle);
    border-radius: var(--radius-lg);
    border: 1px solid var(--neutral-border);
}

@media (min-width: 768px) {
    .trust-indicators {
        grid-template-columns: repeat(4, 1fr);
    }
}

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

.trust-number {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--primary-green);
    margin-bottom: var(--spacing-xs);
    line-height: 1;
}

.trust-label {
    font-size: 0.875rem;
    color: var(--neutral-gray);
    font-weight: 500;
}

/* ===== CTA SECTION ===== */
.cta-section {
    padding: var(--spacing-xl) 0;
    background: var(--gradient-primary);
    color: var(--pure-white);
    text-align: center;
}

.cta-content {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
}

.cta-content h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    margin-bottom: var(--spacing-md);
    line-height: 1.2;
}

@media (min-width: 768px) {
    .cta-content h2 {
        font-size: 2.5rem;
    }
}

.cta-content p {
    font-size: 1.125rem;
    margin-bottom: var(--spacing-xl);
    opacity: 0.9;
    line-height: 1.6;
}

.cta-content .btn-primary {
    background: var(--pure-white);
    color: var(--primary-blue);
}

.cta-content .btn-primary:hover {
    background: var(--neutral-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-medium);
}

.cta-note {
    font-size: 0.875rem;
    margin-top: var(--spacing-lg);
    opacity: 0.8;
}

/* ===== RESPONSIVE ADJUSTMENTS ===== */
@media (max-width: 767px) {
    .service-hero::before {
        width: 70%;
    }
    
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-subtitle {
        font-size: 1.125rem;
    }
    
    .hero-description {
        font-size: 1rem;
    }
    
    .section-header h2 {
        font-size: 1.75rem;
    }
    
    .section-header p {
        font-size: 1rem;
    }
    
    .explanation-text h3 {
        font-size: 1.5rem;
    }
    
    .explanation-text p {
        font-size: 1rem;
    }
    
    .benefit-card {
        padding: var(--spacing-lg);
    }
    
    .trust-indicators {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }
}

@media (max-width: 480px) {
    .hero-stats {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }
    
    .stat-number {
        font-size: 1.75rem;
    }
    
    .visual-card,
    .process-timeline {
        padding: var(--spacing-lg);
    }
    
    .feature-item i,
    .expertise-icon {
        width: 40px;
        height: 40px;
        font-size: 1.125rem;
    }
    
    .benefit-icon {
        width: 56px;
        height: 56px;
    }
    
    .benefit-icon i {
        font-size: 1.5rem;
    }
}

/* ===== ACCESSIBILITY & INTERACTION ENHANCEMENTS ===== */
@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
    
    .benefit-card:hover,
    .btn:hover {
        transform: none;
    }
}

/* High contrast mode support */
@media (prefers-contrast: high) {
    .benefit-card,
    .visual-card,
    .process-timeline {
        border: 2px solid var(--neutral-dark);
    }
    
    .stat-number,
    .trust-number {
        color: var(--primary-blue);
    }
}

/* Dark mode support */
@media (prefers-color-scheme: dark) {
    .mutual-funds-hero,
    .explanation-section,
    .why-choose-section {
        background: #1a1a1a;
    }
    
    .benefit-card,
    .visual-card,
    .process-timeline,
    .trust-indicators {
        background: #2d2d2d;
        border-color: #404040;
    }
    
    .hero-title,
    .section-header h2,
    .explanation-text h3,
    .feature-item h4,
    .step-content h4,
    .benefit-card h3,
    .expertise-content h3,
    .timeline-title,
    .step-content h4 {
        color: #ffffff;
    }
    
    .hero-description,
    .section-header p,
    .explanation-text p,
    .feature-item p,
    .step-content p,
    .benefit-card p,
    .expertise-content p,
    .benefit-list li {
        color: #b0b0b0;
    }
}

/* ===== SERVICE HERO SECTION ===== */
.service-hero {
    padding: var(--spacing-xl) 0;
    background: var(--pure-white);
    position: relative;
    overflow: hidden;
}

.mutual-funds-hero .container {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-xl);
}

@media (min-width: 768px) {
    .mutual-funds-hero .container {
        grid-template-columns: 1fr 1fr;
        align-items: center;
    }
}

.hero-content {
    padding: var(--spacing-lg) 0;
}

.hero-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-md);
    line-height: 1.2;
}

@media (min-width: 768px) {
    .hero-title {
        font-size: 3rem;
    }
}

.hero-subtitle {
    font-size: 1.25rem;
    color: var(--neutral-gray);
    font-weight: 600;
    margin-bottom: var(--spacing-md);
}

.hero-description {
    font-size: 1.125rem;
    color: var(--neutral-gray);
    margin-bottom: var(--spacing-xl);
    line-height: 1.7;
}

.hero-cta {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

@media (min-width: 480px) {
    .hero-cta {
        flex-direction: row;
        flex-wrap: wrap;
    }
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-lg);
    padding: var(--spacing-xl);
    background: var(--pure-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-medium);
    border: 1px solid var(--neutral-border);
}

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

.stat-number {
    font-family: 'Montserrat', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: var(--spacing-xs);
    line-height: 1;
}

.stat-label {
    font-size: 0.875rem;
    color: var(--neutral-gray);
    font-weight: 500;
}

/* ===== BUTTON STYLES ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    padding: var(--spacing-md) var(--spacing-xl);
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 0.9375rem;
    text-decoration: none;
    border: 2px solid transparent;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-normal);
    text-align: center;
    line-height: 1;
}

.btn:focus-visible {
    outline: 2px solid var(--primary-blue);
    outline-offset: 2px;
}

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

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-medium);
}

.btn-outline {
    background: transparent;
    border-color: var(--primary-blue);
    color: var(--primary-blue);
}

.btn-outline:hover {
    background: var(--gradient-subtle);
    transform: translateY(-2px);
    box-shadow: var(--shadow-subtle);
}

.btn-large {
    padding: var(--spacing-lg) var(--spacing-xl);
    font-size: 1.125rem;
}

/* ===== SECTION COMMON STYLES ===== */
.section-header {
    text-align: center;
    margin-bottom: var(--spacing-xl);
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.section-header h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-md);
    line-height: 1.2;
}

.section-header p {
    font-size: 1.125rem;
    color: var(--neutral-gray);
    line-height: 1.6;
}

@media (min-width: 768px) {
    .section-header h2 {
        font-size: 2.5rem;
    }
}

/* ===== EXPLANATION SECTION ===== */
.explanation-section {
    padding: var(--spacing-xl) 0;
    background: var(--neutral-light);
}

.explanation-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-xl);
}

@media (min-width: 992px) {
    .explanation-content {
        grid-template-columns: 1fr 1fr;
        align-items: start;
        gap: var(--spacing-xl);
    }
}

.explanation-text h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.75rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-md);
    line-height: 1.3;
}

.explanation-text p {
    font-size: 1.125rem;
    color: var(--neutral-gray);
    margin-bottom: var(--spacing-xl);
    line-height: 1.7;
}

.feature-list {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.feature-item {
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
}

.feature-item i {
    font-size: 1.5rem;
    color: var(--primary-blue);
    background: var(--gradient-subtle);
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-md);
    flex-shrink: 0;
}

.feature-item h4 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xs);
}

.feature-item p {
    font-size: 1rem;
    color: var(--neutral-gray);
    margin-bottom: 0;
    line-height: 1.6;
}

.visual-card {
    background: var(--pure-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    border: 1px solid var(--neutral-border);
    box-shadow: var(--shadow-subtle);
}

.visual-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-lg);
    text-align: center;
}

.visual-steps {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.step {
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
}

.step-number {
    width: 36px;
    height: 36px;
    background: var(--gradient-primary);
    color: var(--pure-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 1rem;
    flex-shrink: 0;
}

.step-content h4 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xs);
}

.step-content p {
    font-size: 0.9375rem;
    color: var(--neutral-gray);
    line-height: 1.6;
}

/* ===== BENEFITS SECTION ===== */
.benefits-section {
    padding: var(--spacing-xl) 0;
    background: var(--pure-white);
}

.benefits-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
}

@media (min-width: 768px) {
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .benefits-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.benefit-card {
    background: var(--pure-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    border: 1px solid var(--neutral-border);
    box-shadow: var(--shadow-subtle);
    transition: all var(--transition-normal);
    height: 100%;
}

.benefit-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-medium);
    border-color: var(--primary-blue);
}

.benefit-icon {
    width: 64px;
    height: 64px;
    background: var(--gradient-subtle);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--spacing-lg);
}

.benefit-icon i {
    font-size: 1.75rem;
    color: var(--primary-blue);
}

.benefit-card h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-md);
    line-height: 1.3;
}

.benefit-card p {
    font-size: 1rem;
    color: var(--neutral-gray);
    margin-bottom: var(--spacing-lg);
    line-height: 1.6;
}

.benefit-list {
    list-style: none;
    padding: 0;
}

.benefit-list li {
    font-size: 0.9375rem;
    color: var(--neutral-dark);
    padding-left: var(--spacing-lg);
    position: relative;
    margin-bottom: var(--spacing-sm);
    line-height: 1.5;
}

.benefit-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--primary-green);
    font-weight: 600;
}

/* ===== WHY CHOOSE US SECTION ===== */
.why-choose-section {
    padding: var(--spacing-xl) 0;
    background: var(--neutral-light);
}

.why-choose-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
}

@media (min-width: 992px) {
    .why-choose-content {
        grid-template-columns: 1fr 1fr;
        align-items: start;
        gap: var(--spacing-xl);
    }
}

.why-choose-text {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.expertise-item {
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
}

.expertise-icon {
    width: 48px;
    height: 48px;
    background: var(--gradient-subtle);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.expertise-icon i {
    font-size: 1.25rem;
    color: var(--primary-blue);
}

.expertise-content h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xs);
    line-height: 1.3;
}

.expertise-content p {
    font-size: 1rem;
    color: var(--neutral-gray);
    line-height: 1.6;
}

.process-timeline {
    background: var(--pure-white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    border: 1px solid var(--neutral-border);
    box-shadow: var(--shadow-subtle);
    height: 100%;
}

.timeline-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xl);
    text-align: center;
}

.timeline-steps {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xl);
    position: relative;
}

.timeline-steps::before {
    content: '';
    position: absolute;
    left: 24px;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--gradient-primary);
}

.timeline-step {
    display: flex;
    gap: var(--spacing-md);
    align-items: flex-start;
    position: relative;
}

.step-marker {
    width: 50px;
    height: 50px;
    background: var(--pure-white);
    border: 2px solid var(--primary-blue);
    color: var(--primary-blue);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 1.125rem;
    flex-shrink: 0;
    z-index: 1;
}

.step-content {
    flex: 1;
    padding-top: var(--spacing-sm);
}

.step-content h4 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--neutral-dark);
    margin-bottom: var(--spacing-xs);
}

.step-content p {
    font-size: 0.9375rem;
    color: var(--neutral-gray);
    line-height: 1.6;
}

.trust-indicators {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
    padding: var(--spacing-xl);
    background: var(--pure-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--neutral-border);
    box-shadow: var(--shadow-subtle);
}

@media (min-width: 768px) {
    .trust-indicators {
        grid-template-columns: repeat(4, 1fr);
    }
}

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

.trust-number {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: var(--spacing-xs);
    line-height: 1;
}

.trust-label {
    font-size: 0.875rem;
    color: var(--neutral-gray);
    font-weight: 500;
}

/* ===== CTA SECTION ===== */
.cta-section {
    padding: var(--spacing-xl) 0;
    background: var(--gradient-primary);
    color: var(--pure-white);
    text-align: center;
}

.cta-content {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
}

.cta-content h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    margin-bottom: var(--spacing-md);
    line-height: 1.2;
}

@media (min-width: 768px) {
    .cta-content h2 {
        font-size: 2.5rem;
    }
}

.cta-content p {
    font-size: 1.125rem;
    margin-bottom: var(--spacing-xl);
    opacity: 0.9;
    line-height: 1.6;
}

.cta-content .btn-primary {
    background: var(--pure-white);
    color: var(--primary-blue);
}

.cta-content .btn-primary:hover {
    background: var(--neutral-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-medium);
}

.cta-note {
    font-size: 0.875rem;
    margin-top: var(--spacing-lg);
    opacity: 0.8;
}

/* ===== RESPONSIVE ADJUSTMENTS ===== */
@media (max-width: 767px) {
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-subtitle {
        font-size: 1.125rem;
    }
    
    .hero-description {
        font-size: 1rem;
    }
    
    .section-header h2 {
        font-size: 1.75rem;
    }
    
    .section-header p {
        font-size: 1rem;
    }
    
    .explanation-text h3 {
        font-size: 1.5rem;
    }
    
    .explanation-text p {
        font-size: 1rem;
    }
    
    .benefit-card {
        padding: var(--spacing-lg);
    }
    
    .trust-indicators {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }
}

@media (max-width: 480px) {
    .hero-stats {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }
    
    .stat-number {
        font-size: 1.75rem;
    }
    
    .visual-card,
    .process-timeline {
        padding: var(--spacing-lg);
    }
    
    .feature-item i,
    .expertise-icon {
        width: 40px;
        height: 40px;
        font-size: 1.125rem;
    }
    
    .benefit-icon {
        width: 56px;
        height: 56px;
    }
    
    .benefit-icon i {
        font-size: 1.5rem;
    }
}
/* ===== ANIMATIONS ===== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeInLeft {
    from {
        opacity: 0;
        transform: translateX(-20px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

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

@keyframes scaleIn {
    from {
        opacity: 0;
        transform: scale(0.9);
    }
    to {
        opacity: 1;
        transform: scale(1);
    }
}

@keyframes float {
    0%, 100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-8px);
    }
}

@keyframes gradientShift {
    0%, 100% {
        background-position: 0% 50%;
    }
    50% {
        background-position: 100% 50%;
    }
}

@keyframes pulse {
    0%, 100% {
        box-shadow: 0 0 0 0 rgba(0, 168, 120, 0.4);
    }
    70% {
        box-shadow: 0 0 0 10px rgba(0, 168, 120, 0);
    }
}

@keyframes shimmer {
    0% {
        background-position: -1000px 0;
    }
    100% {
        background-position: 1000px 0;
    }
}

@keyframes rotate {
    from {
        transform: rotate(0deg);
    }
    to {
        transform: rotate(360deg);
    }
}

/* ===== ANIMATION UTILITIES ===== */
.animate-on-scroll {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity var(--transition-normal), transform var(--transition-normal);
}

.animate-on-scroll.animated {
    opacity: 1;
    transform: translateY(0);
}

/* ===== SERVICE HERO ANIMATIONS ===== */
.service-hero .hero-content {
    animation: fadeInLeft 0.8s var(--transition-normal) 0.3s both;
}

.service-hero .hero-stats {
    animation: fadeInRight 0.8s var(--transition-normal) 0.5s both;
}

.hero-title {
    animation: fadeInUp 0.6s var(--transition-normal) 0.1s both;
}

.hero-subtitle {
    animation: fadeInUp 0.6s var(--transition-normal) 0.2s both;
}

.hero-description {
    animation: fadeInUp 0.6s var(--transition-normal) 0.3s both;
}

.hero-cta {
    animation: fadeInUp 0.6s var(--transition-normal) 0.4s both;
}

.stat-item {
    opacity: 0;
    transform: translateY(20px);
    animation: fadeInUp 0.5s var(--transition-normal) forwards;
}

.stat-item:nth-child(1) {
    animation-delay: 0.6s;
}

.stat-item:nth-child(2) {
    animation-delay: 0.7s;
}

.stat-item:nth-child(3) {
    animation-delay: 0.8s;
}

.stat-number {
    position: relative;
    overflow: hidden;
}

.stat-number::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.3), transparent);
    animation: shimmer 2s infinite;
}

/* ===== EXPLANATION SECTION ANIMATIONS ===== */
.explanation-section .section-header {
    animation: fadeInUp 0.8s var(--transition-normal) 0.2s both;
}

.feature-item {
    opacity: 0;
    transform: translateX(-20px);
    animation: fadeInLeft 0.6s var(--transition-normal) forwards;
}

.feature-item:nth-child(1) {
    animation-delay: 0.3s;
}

.feature-item:nth-child(2) {
    animation-delay: 0.4s;
}

.feature-item:nth-child(3) {
    animation-delay: 0.5s;
}

.feature-item i {
    transition: transform var(--transition-normal), background var(--transition-normal);
}

.feature-item:hover i {
    transform: scale(1.1) rotate(5deg);
    background: var(--gradient-primary);
    color: var(--pure-white);
}

.visual-card {
    animation: scaleIn 0.8s var(--transition-normal) 0.4s both;
    position: relative;
    overflow: hidden;
}

.visual-card::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: linear-gradient(45deg, transparent, rgba(0, 168, 120, 0.1), transparent);
    transform: rotate(45deg);
    animation: shimmer 3s infinite linear;
    opacity: 0;
    transition: opacity var(--transition-normal);
}

.visual-card:hover::before {
    opacity: 1;
}

.step {
    opacity: 0;
    animation: fadeInRight 0.6s var(--transition-normal) forwards;
}

.step:nth-child(1) {
    animation-delay: 0.5s;
}

.step:nth-child(2) {
    animation-delay: 0.6s;
}

.step:nth-child(3) {
    animation-delay: 0.7s;
}

.step:nth-child(4) {
    animation-delay: 0.8s;
}

.step-number {
    transition: all var(--transition-normal);
    position: relative;
}

.step:hover .step-number {
    transform: scale(1.1);
    box-shadow: 0 4px 12px rgba(0, 168, 120, 0.3);
}

/* ===== BENEFITS SECTION ANIMATIONS ===== */
.benefits-section .section-header {
    animation: fadeInUp 0.8s var(--transition-normal) 0.1s both;
}

.benefit-card {
    opacity: 0;
    transform: translateY(30px);
    animation: fadeInUp 0.6s var(--transition-normal) forwards;
}

.benefit-card:nth-child(1) {
    animation-delay: 0.2s;
}

.benefit-card:nth-child(2) {
    animation-delay: 0.3s;
}

.benefit-card:nth-child(3) {
    animation-delay: 0.4s;
}

.benefit-card:nth-child(4) {
    animation-delay: 0.5s;
}

.benefit-card:nth-child(5) {
    animation-delay: 0.6s;
}

.benefit-card:nth-child(6) {
    animation-delay: 0.7s;
}

.benefit-icon {
    transition: all var(--transition-normal);
    position: relative;
    overflow: hidden;
}

.benefit-card:hover .benefit-icon {
    transform: scale(1.1) rotate(5deg);
    background: var(--gradient-primary);
}

.benefit-card:hover .benefit-icon i {
    color: var(--pure-white);
    animation: float 2s infinite ease-in-out;
}

.benefit-icon i {
    transition: all var(--transition-normal);
}

.benefit-list li {
    position: relative;
    padding-left: calc(var(--spacing-lg) + 8px);
    opacity: 0;
    transform: translateX(-10px);
    animation: fadeInLeft 0.4s var(--transition-normal) forwards;
}

.benefit-list li::before {
    left: 0;
    transform: scale(0);
    transition: transform var(--transition-normal);
}

.benefit-card:hover .benefit-list li::before {
    transform: scale(1.1);
}

.benefit-list li:nth-child(1) {
    animation-delay: 0.3s;
}

.benefit-list li:nth-child(2) {
    animation-delay: 0.4s;
}

.benefit-list li:nth-child(3) {
    animation-delay: 0.5s;
}

/* ===== WHY CHOOSE US ANIMATIONS ===== */
.why-choose-section .section-header {
    animation: fadeInUp 0.8s var(--transition-normal) 0.1s both;
}

.expertise-item {
    opacity: 0;
    transform: translateX(-20px);
    animation: fadeInLeft 0.6s var(--transition-normal) forwards;
}

.expertise-item:nth-child(1) {
    animation-delay: 0.2s;
}

.expertise-item:nth-child(2) {
    animation-delay: 0.3s;
}

.expertise-item:nth-child(3) {
    animation-delay: 0.4s;
}

.expertise-item:nth-child(4) {
    animation-delay: 0.5s;
}

.expertise-icon {
    transition: all var(--transition-normal);
}

.expertise-item:hover .expertise-icon {
    transform: translateY(-4px);
    background: var(--gradient-primary);
}

.expertise-item:hover .expertise-icon i {
    color: var(--pure-white);
    animation: rotate 1s ease-in-out;
}

.process-timeline {
    animation: scaleIn 0.8s var(--transition-normal) 0.4s both;
}

.timeline-step {
    opacity: 0;
    animation: fadeInRight 0.6s var(--transition-normal) forwards;
}

.timeline-step:nth-child(1) {
    animation-delay: 0.5s;
}

.timeline-step:nth-child(2) {
    animation-delay: 0.6s;
}

.timeline-step:nth-child(3) {
    animation-delay: 0.7s;
}

.timeline-step:nth-child(4) {
    animation-delay: 0.8s;
}

.step-marker {
    transition: all var(--transition-normal);
    position: relative;
}

.timeline-step:hover .step-marker {
    background: var(--gradient-primary);
    color: var(--pure-white);
    border-color: transparent;
    transform: scale(1.1);
    box-shadow: 0 4px 12px rgba(30, 111, 217, 0.3);
}

.trust-item {
    opacity: 0;
    transform: scale(0.8);
    animation: scaleIn 0.5s var(--transition-normal) forwards;
}

.trust-item:nth-child(1) {
    animation-delay: 0.6s;
}

.trust-item:nth-child(2) {
    animation-delay: 0.7s;
}

.trust-item:nth-child(3) {
    animation-delay: 0.8s;
}

.trust-item:nth-child(4) {
    animation-delay: 0.9s;
}

.trust-number {
    position: relative;
    overflow: hidden;
    transition: all var(--transition-normal);
}

.trust-item:hover .trust-number {
    color: var(--primary-green);
    transform: scale(1.1);
}

/* ===== CTA SECTION ANIMATIONS ===== */
.cta-section {
    animation: fadeInUp 0.8s var(--transition-normal) 0.1s both;
    background-size: 200% 200%;
    animation: gradientShift 6s ease infinite;
}

.cta-content h2 {
    animation: fadeInUp 0.6s var(--transition-normal) 0.2s both;
}

.cta-content p {
    animation: fadeInUp 0.6s var(--transition-normal) 0.3s both;
}

.cta-content .btn-primary {
    animation: fadeInUp 0.6s var(--transition-normal) 0.4s both;
    position: relative;
    overflow: hidden;
    z-index: 1;
}

.cta-content .btn-primary::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.4), transparent);
    transition: left var(--transition-slow);
    z-index: -1;
}

.cta-content .btn-primary:hover::before {
    left: 100%;
}

.cta-content .btn-primary:hover {
    animation: pulse 1.5s infinite;
}

.cta-note {
    animation: fadeInUp 0.6s var(--transition-normal) 0.5s both;
}

/* ===== BUTTON ENHANCEMENTS ===== */
.btn {
    position: relative;
    overflow: hidden;
    transition: all var(--transition-normal);
}

.btn-primary {
    background-size: 200% 200%;
    animation: gradientShift 6s ease infinite;
}

.btn-outline:hover {
    animation: float 2s infinite ease-in-out;
}

.btn i {
    transition: transform var(--transition-normal);
}

.btn:hover i {
    transform: translateX(4px);
}

/* ===== SCROLL REVEAL ANIMATION ===== */
@media (prefers-reduced-motion: no-preference) {
    [data-animate] {
        opacity: 0;
        transform: translateY(30px);
        transition: opacity 0.8s var(--transition-normal), transform 0.8s var(--transition-normal);
    }
    
    [data-animate].animate {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ===== RESPONSIVE ANIMATION ADJUSTMENTS ===== */
@media (max-width: 768px) {
    /* Reduce motion on mobile for better performance */
    .service-hero .hero-content,
    .service-hero .hero-stats,
    .hero-title,
    .hero-subtitle,
    .hero-description,
    .hero-cta,
    .stat-item {
        animation: none !important;
        opacity: 1 !important;
        transform: none !important;
    }
    
    .feature-item,
    .step,
    .benefit-card,
    .expertise-item,
    .timeline-step,
    .trust-item {
        animation: fadeInUp 0.5s var(--transition-normal) forwards !important;
        animation-delay: calc(var(--index, 0) * 0.1s) !important;
    }
    
    /* Remove heavy animations on mobile */
    .benefit-card:hover .benefit-icon i,
    .btn-outline:hover,
    .cta-content .btn-primary:hover {
        animation: none;
    }
}

/* ===== ANIMATION STAGGERING ===== */
.stagger-item {
    opacity: 0;
}

.stagger-item.animate {
    animation: fadeInUp 0.6s var(--transition-normal) forwards;
}

/* ===== LOADING STATES ===== */
.loading {
    position: relative;
    overflow: hidden;
}

.loading::after {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent);
    animation: shimmer 1.5s infinite;
}

/* ===== ANIMATION PERFORMANCE OPTIMIZATION ===== */
@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        animation-delay: 0.01ms !important;
    }
    
    .btn:hover,
    .benefit-card:hover,
    .feature-item:hover i,
    .step:hover .step-number,
    .expertise-item:hover .expertise-icon,
    .timeline-step:hover .step-marker,
    .trust-item:hover .trust-number {
        transform: none !important;
        animation: none !important;
    }
}

/* General Insurance Specific Icons */
.general-insurance-hero .stat-number {
    color: var(--primary-blue);
}

.benefit-card:nth-child(1) .benefit-icon i { color: #3498db; }
.benefit-card:nth-child(2) .benefit-icon i { color: #2ecc71; }
.benefit-card:nth-child(3) .benefit-icon i { color: #e74c3c; }
.benefit-card:nth-child(4) .benefit-icon i { color: #f39c12; }
.benefit-card:nth-child(5) .benefit-icon i { color: #9b59b6; }
.benefit-card:nth-child(6) .benefit-icon i { color: #1abc9c; }

/* Optional: Add background images or icons for different insurance types */
.feature-item:nth-child(1) i { color: #e74c3c; } /* Motor - Red */
.feature-item:nth-child(2) i { color: #3498db; } /* Home - Blue */
.feature-item:nth-child(3) i { color: #2ecc71; } /* Health - Green */



/* Tax Saving Specific Styling */
.tax-saving-hero .stat-number {
    color: var(--primary-green);
}

/* Green theme for tax savings */
.benefit-card:nth-child(1) .benefit-icon { background: var(--gradient-primary); }
.benefit-card:nth-child(2) .benefit-icon { background: linear-gradient(135deg, #27ae60, #2ecc71); }
.benefit-card:nth-child(3) .benefit-icon { background: linear-gradient(135deg, #3498db, #2980b9); }
.benefit-card:nth-child(4) .benefit-icon { background: linear-gradient(135deg, #9b59b6, #8e44ad); }
.benefit-card:nth-child(5) .benefit-icon { background: linear-gradient(135deg, #e67e22, #f39c12); }
.benefit-card:nth-child(6) .benefit-icon { background: linear-gradient(135deg, #1abc9c, #16a085); }

.benefit-card .benefit-icon i {
    color: var(--pure-white);
}

/* Section-specific icon colors */
.feature-item:nth-child(1) i { color: #27ae60; } /* 80C - Green */
.feature-item:nth-child(2) i { color: #e74c3c; } /* 80D - Red (Health) */
.feature-item:nth-child(3) i { color: #3498db; } /* Home Loan - Blue */

/* Tax-specific animations */
@keyframes moneyGrow {
    0% { transform: scale(1); }
    50% { transform: scale(1.1); }
    100% { transform: scale(1); }
}

.tax-saving-hero .stat-number {
    animation: moneyGrow 2s ease-in-out infinite;
}

/* Highlight current financial year */
.hero-stats::after {
    content: 'FY 2024-25';
    position: absolute;
    bottom: -10px;
    right: 20px;
    background: var(--primary-green);
    color: white;
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: 600;
}