/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    line-height: 1.6;
    color: #1f2937;
    background: #ffffff;
    scroll-behavior: smooth;
}

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

/* Header */
.site-header {
    background: #ffffff;
    padding: 20px 0;
    border-bottom: 1px solid #e5e7eb;
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
    position: sticky;
    top: 0;
    z-index: 1000;
}

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

.logo-container {
    display: flex;
    align-items: center;
    gap: 12px;
}

.logo {
    height: 50px;
    width: auto;
}

.brand-name {
    font-family: 'Poppins', sans-serif;
    font-size: 26px;
    font-weight: 700;
    color: #2563eb;
}

.btn-get-quote {
    background: #f59e0b;
    color: #ffffff;
    padding: 14px 32px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    font-size: 16px;
    transition: all 0.3s ease;
    border: none;
    cursor: pointer;
    box-shadow: 0 4px 6px rgba(245, 158, 11, 0.3);
}

.btn-get-quote:hover {
    background: #d97706;
    transform: translateY(-2px);
    box-shadow: 0 6px 12px rgba(245, 158, 11, 0.4);
}

/* Hero Section */
.hero-bg {
    background: linear-gradient(135deg, #1e40af 0%, #3b82f6 100%);
    padding: 80px 0 100px;
    position: relative;
    overflow: hidden;
}

.hero-bg::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('../images/hero-bg.jpg') center/cover;
    opacity: 0.1;
    z-index: 0;
}

.hero-overlay {
    display: none;
}

.hero-content {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-left {
    color: #ffffff;
}

.hero-headline {
    font-family: 'Poppins', sans-serif;
    font-size: 56px;
    font-weight: 900;
    line-height: 1.1;
    margin-bottom: 24px;
    text-transform: uppercase;
    letter-spacing: -1px;
}

.hero-subheadline {
    font-size: 28px;
    font-weight: 600;
    margin-bottom: 20px;
    color: #fbbf24;
}

.hero-description {
    font-size: 18px;
    line-height: 1.7;
    margin-bottom: 40px;
    opacity: 0.95;
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.stat-item {
    background: rgba(255, 255, 255, 0.15);
    backdrop-filter: blur(10px);
    padding: 20px;
    border-radius: 12px;
    text-align: center;
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.stat-number {
    font-size: 32px;
    font-weight: 800;
    color: #fbbf24;
    margin-bottom: 8px;
}

.stat-label {
    font-size: 14px;
    opacity: 0.9;
}

/* Form Container */
.form-container {
    background: #ffffff;
    border-radius: 16px;
    padding: 40px;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
}

.form-step {
    display: none;
}

.form-step.active {
    display: block;
}

.form-title {
    font-family: 'Poppins', sans-serif;
    font-size: 28px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 20px;
    text-align: center;
}

.progress-bar {
    width: 100%;
    height: 8px;
    background: #e5e7eb;
    border-radius: 10px;
    overflow: hidden;
    margin-bottom: 16px;
}

.progress-fill {
    height: 100%;
    background: linear-gradient(90deg, #10b981 0%, #059669 100%);
    transition: width 0.4s ease;
}

.form-subtitle {
    text-align: center;
    color: #6b7280;
    font-size: 14px;
    margin-bottom: 24px;
    font-weight: 500;
}

.form-container label {
    display: block;
    font-weight: 600;
    color: #374151;
    margin-bottom: 8px;
    font-size: 15px;
}

.form-container input[type="text"],
.form-container input[type="email"],
.form-container input[type="tel"] {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid #d1d5db;
    border-radius: 8px;
    font-size: 16px;
    transition: all 0.3s ease;
    margin-bottom: 12px;
}

.form-container input:focus {
    outline: none;
    border-color: #3b82f6;
    box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.1);
}

.input-hint {
    display: block;
    font-size: 13px;
    color: #6b7280;
    margin-bottom: 20px;
}

.radio-group {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 24px;
}

.radio-label {
    display: flex;
    align-items: center;
    padding: 14px 16px;
    border: 2px solid #d1d5db;
    border-radius: 8px;
    cursor: pointer;
    transition: all 0.3s ease;
    font-weight: 500;
}

.radio-label:hover {
    border-color: #3b82f6;
    background: #eff6ff;
}

.radio-label input[type="radio"] {
    margin-right: 12px;
    width: 20px;
    height: 20px;
    cursor: pointer;
}

.radio-label input[type="radio"]:checked + span {
    color: #1e40af;
    font-weight: 600;
}

.form-buttons {
    display: flex;
    gap: 12px;
    margin-top: 24px;
}

.btn-back {
    flex: 1;
    padding: 14px 24px;
    background: #ffffff;
    color: #6b7280;
    border: 2px solid #d1d5db;
    border-radius: 8px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
}

.btn-back:hover {
    border-color: #9ca3af;
    color: #374151;
}

.btn-continue {
    flex: 2;
    padding: 14px 24px;
    background: linear-gradient(135deg, #10b981 0%, #059669 100%);
    color: #ffffff;
    border: none;
    border-radius: 8px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: 0 4px 12px rgba(16, 185, 129, 0.3);
}

.btn-continue:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(16, 185, 129, 0.4);
}

.thank-you-message {
    text-align: center;
    color: #6b7280;
    font-size: 16px;
    line-height: 1.7;
    margin-top: 20px;
}

/* Trust Badges */
.trust-badges {
    background: #f9fafb;
    padding: 40px 0;
    border-bottom: 1px solid #e5e7eb;
}

.trust-headline {
    text-align: center;
    font-size: 18px;
    font-weight: 600;
    color: #374151;
    margin-bottom: 24px;
}

.badges-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    max-width: 900px;
    margin: 0 auto;
}

.badge-item {
    text-align: center;
    padding: 16px;
}

.badge-icon {
    font-size: 32px;
    margin-bottom: 8px;
    color: #f59e0b;
}

.badge-text {
    font-size: 14px;
    font-weight: 600;
    color: #374151;
}

/* Benefits Section */
.benefits-section {
    padding: 80px 0;
    background: #ffffff;
}

.section-title {
    font-family: 'Poppins', sans-serif;
    font-size: 42px;
    font-weight: 800;
    text-align: center;
    color: #1f2937;
    margin-bottom: 60px;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.benefit-card {
    background: #ffffff;
    border: 2px solid #e5e7eb;
    border-radius: 16px;
    padding: 32px;
    transition: all 0.3s ease;
}

.benefit-card:hover {
    border-color: #3b82f6;
    box-shadow: 0 12px 24px rgba(59, 130, 246, 0.15);
    transform: translateY(-4px);
}

.benefit-icon {
    font-size: 48px;
    margin-bottom: 16px;
    color: #3b82f6;
}

.benefit-card h3 {
    font-size: 24px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 12px;
}

.benefit-card p {
    color: #6b7280;
    line-height: 1.7;
    font-size: 16px;
}

/* Calculator Section */
.calculator-section {
    padding: 80px 0;
    background: linear-gradient(135deg, #eff6ff 0%, #dbeafe 100%);
}

.section-subtitle {
    text-align: center;
    font-size: 18px;
    color: #6b7280;
    margin-bottom: 40px;
}

.savings-table {
    max-width: 1000px;
    margin: 0 auto 40px;
    background: #ffffff;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.1);
}

.savings-table table {
    width: 100%;
    border-collapse: collapse;
}

.savings-table th {
    background: #1e40af;
    color: #ffffff;
    padding: 16px;
    text-align: left;
    font-weight: 600;
    font-size: 14px;
}

.savings-table td {
    padding: 16px;
    border-bottom: 1px solid #e5e7eb;
    font-size: 15px;
    color: #374151;
}

.savings-table tr:last-child td {
    border-bottom: none;
}

.savings-table .highlight {
    color: #059669;
    font-weight: 700;
    font-size: 16px;
}

.table-note {
    text-align: center;
    font-size: 13px;
    color: #6b7280;
    margin-top: 12px;
}

.cta-center {
    text-align: center;
    margin-top: 40px;
}

.btn-primary-large {
    display: inline-block;
    background: linear-gradient(135deg, #10b981 0%, #059669 100%);
    color: #ffffff;
    padding: 18px 48px;
    border-radius: 12px;
    text-decoration: none;
    font-size: 18px;
    font-weight: 700;
    transition: all 0.3s ease;
    box-shadow: 0 8px 24px rgba(16, 185, 129, 0.3);
}

.btn-primary-large:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 32px rgba(16, 185, 129, 0.4);
}

/* How It Works */
.how-it-works {
    padding: 80px 0;
    background: #ffffff;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.step-card {
    text-align: center;
    padding: 32px 24px;
}

.step-number {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, #3b82f6 0%, #1e40af 100%);
    color: #ffffff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 28px;
    font-weight: 800;
    margin: 0 auto 20px;
}

.step-card h3 {
    font-size: 22px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 12px;
}

.step-card p {
    color: #6b7280;
    line-height: 1.7;
    font-size: 16px;
}

/* Urgency Section */
.urgency-section {
    padding: 80px 0;
    background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
}

.urgency-text {
    text-align: center;
    font-size: 20px;
    color: #374151;
    max-width: 800px;
    margin: 0 auto 40px;
    line-height: 1.7;
}

.urgency-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    max-width: 1000px;
    margin: 0 auto 40px;
}

.urgency-stat {
    background: #ffffff;
    border-radius: 12px;
    padding: 24px;
    text-align: center;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
}

.urgency-icon {
    font-size: 36px;
    margin-bottom: 12px;
    color: #f59e0b;
}

.urgency-number {
    font-size: 32px;
    font-weight: 800;
    color: #1e40af;
    margin-bottom: 8px;
}

.urgency-label {
    font-size: 14px;
    color: #6b7280;
}

/* Testimonials */
.testimonials-section {
    padding: 80px 0;
    background: #ffffff;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.testimonial-card {
    background: #f9fafb;
    border: 2px solid #e5e7eb;
    border-radius: 16px;
    padding: 32px;
    transition: all 0.3s ease;
}

.testimonial-card:hover {
    border-color: #fbbf24;
    box-shadow: 0 12px 24px rgba(251, 191, 36, 0.2);
    transform: translateY(-4px);
}

.testimonial-stars {
    color: #fbbf24;
    font-size: 20px;
    margin-bottom: 16px;
}

.testimonial-headline {
    font-size: 20px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 12px;
}

.testimonial-text {
    color: #6b7280;
    line-height: 1.7;
    margin-bottom: 16px;
    font-size: 15px;
}

.testimonial-author {
    font-weight: 600;
    color: #374151;
    font-size: 14px;
    margin-bottom: 8px;
}

.testimonial-savings {
    color: #059669;
    font-weight: 700;
    font-size: 16px;
}

/* FAQ Section */
.faq-section {
    padding: 80px 0;
    background: #f9fafb;
}

.faq-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.faq-item {
    background: #ffffff;
    border: 2px solid #e5e7eb;
    border-radius: 12px;
    padding: 28px;
}

.faq-question {
    font-size: 18px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 12px;
}

.faq-answer {
    color: #6b7280;
    line-height: 1.7;
    font-size: 15px;
}

/* Final CTA */
.final-cta {
    padding: 80px 0;
    background: linear-gradient(135deg, #1e40af 0%, #3b82f6 100%);
    color: #ffffff;
    text-align: center;
}

.cta-headline {
    font-family: 'Poppins', sans-serif;
    font-size: 48px;
    font-weight: 800;
    margin-bottom: 16px;
}

.cta-subheadline {
    font-size: 24px;
    margin-bottom: 32px;
    opacity: 0.95;
}

.cta-benefits {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 16px;
    max-width: 1000px;
    margin: 0 auto 40px;
}

.cta-benefit {
    font-size: 15px;
    font-weight: 500;
}

.cta-trust {
    margin-top: 24px;
    font-size: 16px;
    opacity: 0.9;
}

/* Footer */
.site-footer {
    background: #1f2937;
    color: #d1d5db;
    padding: 60px 0 30px;
}

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

.footer-left {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer-logo-container {
    display: flex;
    align-items: center;
    gap: 12px;
}

.footer-logo {
    height: 40px;
    width: auto;
}

.footer-brand-name {
    font-family: 'Poppins', sans-serif;
    font-size: 22px;
    font-weight: 700;
    color: #ffffff;
}

.footer-tagline {
    font-size: 15px;
    color: #9ca3af;
}

.footer-right {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.footer-column h4 {
    color: #ffffff;
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 16px;
}

.footer-column a {
    display: block;
    color: #9ca3af;
    text-decoration: none;
    margin-bottom: 12px;
    font-size: 14px;
    transition: color 0.3s ease;
}

.footer-column a:hover {
    color: #10b981;
}

.footer-bottom {
    text-align: center;
    padding-top: 30px;
    border-top: 1px solid #374151;
}

.footer-bottom p {
    font-size: 14px;
    color: #9ca3af;
}

/* Responsive Design */
@media (max-width: 968px) {
    .hero-content {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .hero-headline {
        font-size: 42px;
    }
    
    .hero-subheadline {
        font-size: 22px;
    }
    
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .steps-grid {
        grid-template-columns: 1fr;
    }
    
    .testimonials-grid {
        grid-template-columns: 1fr;
    }
    
    .faq-grid {
        grid-template-columns: 1fr;
    }
    
    .urgency-stats {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .cta-benefits {
        grid-template-columns: 1fr;
    }
    
    .footer-content {
        grid-template-columns: 1fr;
    }
    
    .badges-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 640px) {
    .hero-headline {
        font-size: 36px;
    }
    
    .section-title {
        font-size: 32px;
    }
    
    .hero-stats {
        grid-template-columns: 1fr;
    }
    
    .urgency-stats {
        grid-template-columns: 1fr;
    }
    
    .form-container {
        padding: 24px;
    }
    
    /* Make orange button much smaller on mobile */
    .btn-get-quote {
        padding: 10px 20px;
        font-size: 14px;
    }
    
    /* Fix radio button label text wrapping and spacing */
    .radio-option label {
        word-spacing: normal;
        letter-spacing: normal;
        line-height: 1.4;
    }
    
    /* Make table fit nicely on mobile */
    .savings-table {
        font-size: 11px;
    }
    
    .savings-table th {
        padding: 8px 4px;
        font-size: 10px;
    }
    
    .savings-table td {
        padding: 10px 4px;
        font-size: 11px;
    }
    
    .savings-table th:first-child,
    .savings-table td:first-child {
        font-size: 12px;
    }
}


/* Slider Styles */
.slider-container {
    width: 100%;
    margin: 20px 0;
}

.slider-container label {
    text-align: center;
    display: block;
    margin-bottom: 20px;
}

input[type="range"] {
    -webkit-appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 5px;
    background: transparent;
    outline: none;
    position: relative;
}

input[type="range"]::-webkit-slider-runnable-track {
    width: 100%;
    height: 8px;
    background: linear-gradient(to right, #2563eb 0%, #2563eb var(--slider-percent, 17.5%), #e5e7eb var(--slider-percent, 17.5%), #e5e7eb 100%);
    border-radius: 5px;
}

input[type="range"]::-moz-range-track {
    width: 100%;
    height: 8px;
    background: #e5e7eb;
    border-radius: 5px;
}

input[type="range"]::-moz-range-progress {
    height: 8px;
    background: #2563eb;
    border-radius: 5px;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #2563eb;
    cursor: pointer;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.2);
    margin-top: -8px;
}

input[type="range"]::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: #2563eb;
    cursor: pointer;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.2);
    border: none;
}

.slider-value {
    text-align: center;
    font-size: 36px;
    font-weight: 700;
    color: #2563eb;
    margin-top: 20px;
}

/* Center label for property value step */
#step2 label {
    text-align: center;
}

/* Form Note */
.form-note {
    font-size: 13px;
    color: #6b7280;
    margin-bottom: 16px;
    font-style: italic;
}

/* Loan Types Section */
.loan-types-section {
    padding: 80px 0;
    background: #f9fafb;
}

.loan-types-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.loan-type-card {
    background: #ffffff;
    border: 2px solid #e5e7eb;
    border-radius: 16px;
    padding: 36px;
    transition: all 0.3s ease;
}

.loan-type-card:hover {
    border-color: #10b981;
    box-shadow: 0 12px 24px rgba(16, 185, 129, 0.15);
    transform: translateY(-4px);
}

.loan-icon {
    font-size: 52px;
    margin-bottom: 20px;
    color: #10b981;
}

.loan-type-card h3 {
    font-size: 26px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 16px;
}

.loan-type-card p {
    color: #6b7280;
    line-height: 1.7;
    font-size: 16px;
    margin-bottom: 20px;
}

.loan-features {
    list-style: none;
    padding: 0;
    margin: 0;
}

.loan-features li {
    display: flex;
    align-items: center;
    gap: 12px;
    color: #374151;
    font-size: 15px;
    margin-bottom: 10px;
}

.loan-features li i {
    color: #10b981;
    font-size: 16px;
}

/* Education Section */
.education-section {
    padding: 80px 0;
    background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
}

.education-content {
    max-width: 1200px;
    margin: 0 auto;
}

.education-block {
    background: #ffffff;
    border-radius: 16px;
    padding: 48px;
    margin-bottom: 40px;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
}

.education-block:last-child {
    margin-bottom: 0;
}

.education-block h3 {
    font-family: 'Poppins', sans-serif;
    font-size: 32px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 32px;
    display: flex;
    align-items: center;
    gap: 16px;
}

.education-block h3 i {
    color: #f59e0b;
    font-size: 36px;
}

.education-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.education-item {
    background: #f9fafb;
    border: 2px solid #e5e7eb;
    border-radius: 12px;
    padding: 24px;
    transition: all 0.3s ease;
}

.education-item:hover {
    border-color: #f59e0b;
    background: #fffbeb;
}

.education-item h4 {
    font-size: 20px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 12px;
}

.education-item p {
    color: #6b7280;
    line-height: 1.7;
    font-size: 15px;
}

/* Terms Grid */
.terms-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.term-item {
    background: #f9fafb;
    border-left: 4px solid #f59e0b;
    border-radius: 8px;
    padding: 24px;
}

.term-item h4 {
    font-size: 18px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 10px;
}

.term-item p {
    color: #6b7280;
    line-height: 1.7;
    font-size: 15px;
}

/* Qualification Grid */
.qualification-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.qual-category {
    background: #f9fafb;
    border: 2px solid #e5e7eb;
    border-radius: 12px;
    padding: 28px;
}

.qual-category h4 {
    font-size: 20px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.qual-category h4 i {
    color: #f59e0b;
    font-size: 24px;
}

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

.qual-category li {
    color: #6b7280;
    font-size: 15px;
    line-height: 1.8;
    margin-bottom: 8px;
    padding-left: 20px;
    position: relative;
}

.qual-category li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: #f59e0b;
    font-weight: 700;
}

.qual-category li strong {
    color: #374151;
    font-weight: 600;
}

/* Process Timeline */
.process-timeline {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.timeline-item {
    display: flex;
    gap: 24px;
    align-items: flex-start;
}

.timeline-number {
    flex-shrink: 0;
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, #f59e0b 0%, #d97706 100%);
    color: #ffffff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 800;
    box-shadow: 0 4px 12px rgba(245, 158, 11, 0.3);
}

.timeline-content {
    flex: 1;
    background: #f9fafb;
    border: 2px solid #e5e7eb;
    border-radius: 12px;
    padding: 24px;
}

.timeline-content h4 {
    font-size: 20px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 10px;
}

.timeline-content p {
    color: #6b7280;
    line-height: 1.7;
    font-size: 15px;
}

/* Tips Grid */
.tips-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.tip-card {
    background: linear-gradient(135deg, #eff6ff 0%, #dbeafe 100%);
    border: 2px solid #93c5fd;
    border-radius: 12px;
    padding: 28px;
    text-align: center;
    transition: all 0.3s ease;
}

.tip-card:hover {
    border-color: #3b82f6;
    transform: translateY(-4px);
    box-shadow: 0 8px 20px rgba(59, 130, 246, 0.2);
}

.tip-card i {
    font-size: 40px;
    color: #3b82f6;
    margin-bottom: 16px;
    display: block;
}

.tip-card h4 {
    font-size: 18px;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 12px;
}

.tip-card p {
    color: #6b7280;
    line-height: 1.7;
    font-size: 14px;
}

/* Responsive Design for Education Section */
@media (max-width: 768px) {
    .education-grid,
    .terms-grid,
    .qualification-grid {
        grid-template-columns: 1fr;
    }
    
    .tips-grid {
        grid-template-columns: 1fr;
    }
    
    .loan-types-grid {
        grid-template-columns: 1fr;
    }
    
    .education-block {
        padding: 32px 24px;
    }
    
    .education-block h3 {
        font-size: 26px;
    }
}