@font-face {
        font-family: "Garet";
        src:
            url("../Resources/Font/Garet-Book.woff2") format("woff2"),
            url("../Resources/Font/Garet-Book.woff") format("woff");
        font-weight: 400;
        font-style: normal;
    }

    @font-face {
        font-family: "Garet";
        src:
            url("../Resources/Font/Garet-Heavy.woff2") format("woff2"),
            url("../Resources/Font/Garet-Heavy.woff") format("woff");
        font-weight: 700;
        font-style: normal;
    }

    :root {
        --font-main: "Garet", sans-serif;
        --font-heading: "Garet", sans-serif;
        --text-base: 16px;
        --text-sm: 14px;
        --blue-deep: #0b409c;
        --blue-mid: #1950a1;
        --blue-light: #dae5ff;
        --blue-accent: #0061a9;
        --white: #ffffff;
        --text-dark: #1f2937;
        --text-mid: #555;
        --shadow-card: 0 5px 20px rgba(0, 0, 0, 0.12);
        --shadow-heavy: 0 15px 40px rgba(11, 64, 156, 0.18);
    }

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

    body,
    button,
    input,
    textarea,
    select,
    h1,
    h2,
    h3,
    h4,
    h5,
    h6,
    p,
    span,
    div,
    strong {
        font-family: var(--font-main) !important;
    }

    body {
        font-size: var(--text-base);
        font-weight: 400;
        color: var(--text-dark);
        background: var(--white);
        overflow-x: hidden;
    }

    h1,
    h2,
    h3,
    strong {
        font-weight: 700;
    }

    /* ================================
       BANNER
    ================================ */
    .banner-section {
        width: 100%;
        height: 460px;
        position: relative;
        overflow: hidden;
        background-image: url('https://images.pexels.com/photos/5668484/pexels-photo-5668484.jpeg');
        background-size: cover;
        background-position: center;
        display: flex;
        align-items: center;
        justify-content: center;
    }

    .banner-section::before {
        content: "";
        position: absolute;
        inset: 0;
        background: linear-gradient(135deg,
                rgba(11, 64, 156, 0.90) 0%,
                rgba(0, 97, 169, 0.78) 100%);
    }

    /* wave cutout at the bottom */
    .banner-section::after {
        content: "";
        position: absolute;
        bottom: -1px;
        left: 0;
        right: 0;
        height: 70px;
        background: var(--white);
        clip-path: ellipse(55% 100% at 50% 100%);
    }

    .banner-content {
        position: relative;
        z-index: 2;
        text-align: center;
        padding: 0 20px;
    }

    .banner-eyebrow {
        display: inline-block;
        font-size: 0.72rem;
        letter-spacing: 0.2em;
        text-transform: uppercase;
        color: #a8c4ff;
        font-weight: 700;
        margin-bottom: 1.1rem;
        padding: 0.32rem 1rem;
        border: 1px solid rgba(168, 196, 255, 0.4);
        border-radius: 20px;
    }

    .banner-content h1 {
        font-size: clamp(2.2rem, 5vw, 3.8rem);
        font-weight: 700;
        color: #fff;
        line-height: 1.2;
        margin-bottom: 1rem;
    }

    .banner-content h1 em {
        font-style: normal;
        color: #a8c4ff;
    }

    .banner-content p {
        font-size: 1rem;
        color: rgba(255, 255, 255, 0.8);
        max-width: 500px;
        margin: 0 auto 2.2rem;
        line-height: 1.7;
    }

    .banner-btn {
        display: inline-flex;
        align-items: center;
        gap: 0.55rem;
        padding: 0.95rem 2.2rem;
        background: #fff;
        color: var(--blue-deep);
        font-size: 0.85rem;
        font-weight: 700;
        letter-spacing: 0.08em;
        text-transform: uppercase;
        text-decoration: none;
        border-radius: 40px;
        box-shadow: 0 8px 28px rgba(0, 0, 0, 0.22);
        transition: background 0.25s, transform 0.2s, box-shadow 0.25s;
    }

    .banner-btn:hover {
        background: var(--blue-light);
        transform: translateY(-3px);
        box-shadow: 0 14px 38px rgba(0, 0, 0, 0.28);
    }

    .banner-btn svg {
        transition: transform 0.3s;
    }

    .banner-btn:hover svg {
        transform: translateX(4px);
    }

    /* ================================
       PROMISE STRIP  (replaces stats)
    ================================ */
    .promise-strip {
        background: var(--blue-deep);
        display: grid;
        grid-template-columns: repeat(4, 1fr);
    }

    .promise-item {
        text-align: center;
        padding: 2rem 1.2rem;
        border-right: 1px solid rgba(255, 255, 255, 0.1);
        transition: background 0.3s;
        display: flex;
        flex-direction: column;
        align-items: center;
        gap: 0.55rem;
    }

    .promise-item:last-child {
        border-right: none;
    }

    .promise-item:hover {
        background: var(--blue-mid);
    }

    .promise-icon {
        width: 44px;
        height: 44px;
        border-radius: 50%;
        background: rgba(168, 196, 255, 0.15);
        display: flex;
        align-items: center;
        justify-content: center;
        margin-bottom: 0.2rem;
    }

    .promise-icon svg {
        width: 22px;
        height: 22px;
        stroke: #a8c4ff;
        fill: none;
        stroke-width: 1.8;
        stroke-linecap: round;
        stroke-linejoin: round;
    }

    .promise-title {
        font-size: 0.88rem;
        font-weight: 700;
        color: #fff;
        letter-spacing: 0.04em;
    }

    .promise-sub {
        font-size: 0.75rem;
        color: rgba(255, 255, 255, 0.5);
        letter-spacing: 0.06em;
        line-height: 1.5;
    }

    /* ================================
       HOW IT WORKS
    ================================ */
    .how-it-works {
        max-width: 1100px;
        margin: 90px auto;
        padding: 0 30px;
    }

    .section-header {
        text-align: center;
        margin-bottom: 55px;
    }

    .section-eyebrow {
        display: inline-block;
        font-size: 0.7rem;
        letter-spacing: 0.22em;
        text-transform: uppercase;
        color: var(--blue-accent);
        font-weight: 700;
        margin-bottom: 0.7rem;
    }

    .section-header h2 {
        font-size: clamp(1.7rem, 3vw, 2.4rem);
        font-weight: 700;
        color: var(--text-dark);
        margin-bottom: 0.8rem;
    }

    .section-header h2::after {
        content: "";
        display: block;
        width: 50px;
        height: 3px;
        background: var(--blue-deep);
        margin: 12px auto 0;
        border-radius: 2px;
    }

    .section-header p {
        color: var(--text-mid);
        font-size: 1rem;
        max-width: 500px;
        margin: 0 auto;
        line-height: 1.7;
    }

    /* Timeline */
    .timeline-grid {
        display: grid;
        grid-template-columns: repeat(4, 1fr);
        gap: 30px;
        position: relative;
    }

    .timeline-grid::after {
        content: "";
        position: absolute;
        top: 36px;
        left: calc(12.5% + 20px);
        width: calc(75% - 40px);
        height: 2px;
        background: linear-gradient(to right, var(--blue-light), var(--blue-deep), var(--blue-light));
        border-radius: 2px;
        z-index: 0;
    }

    .timeline-step {
        text-align: center;
        position: relative;
        z-index: 1;
        padding: 0 8px;
    }

    .step-number {
        width: 72px;
        height: 72px;
        border-radius: 50%;
        background: var(--blue-deep);
        color: #fff;
        font-size: 1.5rem;
        font-weight: 700;
        display: flex;
        align-items: center;
        justify-content: center;
        margin: 0 auto 18px;
        box-shadow: 0 6px 20px rgba(11, 64, 156, 0.35);
        transition: transform 0.3s, box-shadow 0.3s;
        border: 3px solid #fff;
        outline: 3px solid var(--blue-deep);
    }

    .timeline-step:hover .step-number {
        transform: translateY(-4px) scale(1.07);
        box-shadow: 0 12px 30px rgba(11, 64, 156, 0.45);
    }

    .step-title {
        font-size: 0.92rem;
        font-weight: 700;
        color: var(--text-dark);
        margin-bottom: 7px;
    }

    .step-desc {
        font-size: var(--text-sm);
        color: var(--text-mid);
        line-height: 1.6;
    }

    /* ================================
       FEATURE CARDS
    ================================ */
    .features-section {
        background: var(--blue-light);
        padding: 85px 30px;
        box-shadow:
            inset 0 1px 0 rgba(255, 255, 255, 0.5),
            inset 0 -10px 20px rgba(0, 0, 0, 0.08);
    }

    .features-grid {
        max-width: 1100px;
        margin: 0 auto;
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 26px;
    }

    .feature-card {
        background: #fff;
        border-radius: 12px;
        padding: 2rem;
        box-shadow: var(--shadow-card);
        transition: transform 0.3s, box-shadow 0.3s;
        border-top: 4px solid var(--blue-deep);
        position: relative;
        overflow: hidden;
    }

    .feature-card::after {
        content: "";
        position: absolute;
        bottom: 0;
        right: 0;
        width: 80px;
        height: 80px;
        border-radius: 50%;
        background: var(--blue-light);
        transform: translate(30px, 30px);
        transition: transform 0.4s;
    }

    .feature-card:hover {
        transform: translateY(-6px);
        box-shadow: var(--shadow-heavy);
    }

    .feature-card:hover::after {
        transform: translate(15px, 15px);
    }

    .feature-icon {
        width: 50px;
        height: 50px;
        background: var(--blue-light);
        border-radius: 10px;
        display: flex;
        align-items: center;
        justify-content: center;
        margin-bottom: 1.1rem;
    }

    .feature-icon svg {
        width: 24px;
        height: 24px;
        stroke: var(--blue-deep);
        fill: none;
        stroke-width: 1.8;
        stroke-linecap: round;
        stroke-linejoin: round;
    }

    .feature-card h3 {
        font-size: 1rem;
        font-weight: 700;
        color: var(--text-dark);
        margin-bottom: 0.5rem;
    }

    .feature-card p {
        font-size: var(--text-sm);
        color: var(--text-mid);
        line-height: 1.65;
    }

    /* ================================
       CTA SECTION
    ================================ */
    .cta-section {
        background: var(--blue-deep);
        padding: 85px 30px;
        text-align: center;
        position: relative;
        overflow: hidden;
        box-shadow:
            inset 0 1px 0 rgba(255, 255, 255, 0.12),
            inset 0 -10px 20px rgba(0, 0, 0, 0.25);
    }

    .cta-section::before,
    .cta-section::after {
        content: "";
        position: absolute;
        border-radius: 50%;
        background: rgba(255, 255, 255, 0.04);
        pointer-events: none;
    }

    .cta-section::before {
        width: 420px;
        height: 420px;
        top: -160px;
        left: -110px;
    }

    .cta-section::after {
        width: 300px;
        height: 300px;
        bottom: -110px;
        right: -70px;
    }

    .cta-inner {
        position: relative;
        z-index: 1;
        max-width: 680px;
        margin: 0 auto;
    }

    .cta-inner h2 {
        font-size: clamp(1.7rem, 3.5vw, 2.6rem);
        font-weight: 700;
        color: #fff;
        margin-bottom: 1rem;
        line-height: 1.2;
    }

    .cta-inner p {
        font-size: 1rem;
        color: rgba(255, 255, 255, 0.75);
        line-height: 1.7;
        margin-bottom: 2.4rem;
    }

    .cta-btn-group {
        display: flex;
        gap: 1.1rem;
        justify-content: center;
        flex-wrap: wrap;
    }

    .cta-btn-primary {
        display: inline-flex;
        align-items: center;
        gap: 0.55rem;
        padding: 0.95rem 2.2rem;
        background: #fff;
        color: var(--blue-deep);
        font-weight: 700;
        font-size: 0.85rem;
        letter-spacing: 0.07em;
        text-transform: uppercase;
        text-decoration: none;
        border-radius: 40px;
        box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
        transition: background 0.25s, transform 0.2s;
    }

    .cta-btn-primary:hover {
        background: var(--blue-light);
        transform: translateY(-3px);
    }

    .cta-btn-secondary {
        display: inline-flex;
        align-items: center;
        padding: 0.95rem 2.2rem;
        background: transparent;
        color: #fff;
        font-weight: 400;
        font-size: 0.85rem;
        letter-spacing: 0.07em;
        text-transform: uppercase;
        text-decoration: none;
        border-radius: 40px;
        border: 2px solid rgba(255, 255, 255, 0.4);
        transition: border-color 0.25s, background 0.25s, transform 0.2s;
    }

    .cta-btn-secondary:hover {
        border-color: #fff;
        background: rgba(255, 255, 255, 0.08);
        transform: translateY(-3px);
    }

    /* ================================
       ANIMATIONS
    ================================ */
    @keyframes fadeUp {
        from {
            opacity: 0;
            transform: translateY(26px);
        }

        to {
            opacity: 1;
            transform: translateY(0);
        }
    }

    .banner-eyebrow {
        animation: fadeUp 0.55s ease both;
    }

    .banner-content h1 {
        animation: fadeUp 0.55s 0.12s ease both;
    }

    .banner-content p {
        animation: fadeUp 0.55s 0.24s ease both;
    }

    .banner-btn {
        animation: fadeUp 0.55s 0.36s ease both;
    }

    /* ================================
       RESPONSIVE
    ================================ */
    @media (max-width: 900px) {
        .promise-strip {
            grid-template-columns: repeat(2, 1fr);
        }

        .promise-item {
            border-right: none;
            border-bottom: 1px solid rgba(255, 255, 255, 0.1);
        }

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

        .timeline-grid::after {
            display: none;
        }

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

    @media (max-width: 580px) {
        .promise-strip {
            grid-template-columns: 1fr;
        }

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

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

        .banner-section {
            height: auto;
            padding: 70px 20px 90px;
        }
    }