* {
            box-sizing: border-box;
        }

        body {
            background: #f5f5f5 !important;
            min-height: 100vh;
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
        }

        /* HERO SECTION */
        .hero-section {
            position: relative;
            min-height: 100svh;
            background: linear-gradient(135deg, #FFC000 0%, #FFD700 40%, #e8a800 100%);
            overflow: hidden;
            display: flex;
            flex-direction: column;
            justify-content: flex-start;
        }

        .hero-bg-person {
            position: absolute;
            bottom: 0;
            left: 50%;
            transform: translateX(-50%);
            height: 92%;
            width: auto;
            max-width: 70%;
            object-fit: contain;
            object-position: bottom center;
            opacity: 1;
            pointer-events: none;
            z-index: 1;
            filter: drop-shadow(0 4px 20px rgba(0, 0, 0, 0.18));
        }

        .hero-overlay {
            position: absolute;
            inset: 0;
            background: linear-gradient(to bottom, rgba(255, 192, 0, 0.97) 0%, rgba(255, 192, 0, 0.75) 45%, rgba(255, 192, 0, 0.15) 80%, transparent 100%);
            z-index: 2;
        }

        .hero-content {
            position: relative;
            z-index: 3;
            padding: 30px 20px 20px;
            max-width: 100%;
            text-align: center;
        }

        .hero-trust-row {
            justify-content: center;
        }

        .hero-label {
            display: inline-block;
            background: rgba(255, 255, 255, 0.25);
            color: white;
            font-size: 0.8rem;
            font-weight: 600;
            padding: 6px 14px;
            border-radius: 20px;
            margin-bottom: 18px;
            letter-spacing: 0.5px;
            border: 1px solid rgba(255, 255, 255, 0.4);
        }

        .hero-title {
            font-size: 2rem;
            font-weight: 900;
            color: white;
            line-height: 1.15;
            margin-bottom: 14px;
            text-shadow: 1px 1px 3px rgba(0, 0, 0, 0.15);
        }

        .hero-title span {
            color: #1e3c72;
        }

        .hero-subtitle {
            font-size: 1rem;
            color: rgba(255, 255, 255, 0.95);
            margin-bottom: 28px;
            font-weight: 500;
            line-height: 1.5;
        }

        .btn-hero-cta {
            display: block;
            width: 100%;
            background: #1e3c72;
            color: white;
            border: none;
            padding: 18px 20px;
            font-size: 1.05rem;
            font-weight: 700;
            border-radius: 10px;
            cursor: pointer;
            transition: all 0.3s ease;
            box-shadow: 0 6px 20px rgba(30, 60, 114, 0.4);
            text-align: center;
            letter-spacing: 0.3px;
        }

        .btn-hero-cta:hover {
            background: #162d5a;
            transform: translateY(-2px);
            box-shadow: 0 10px 28px rgba(30, 60, 114, 0.5);
            color: white;
            text-decoration: none;
        }

        .btn-hero-cta:active {
            transform: translateY(0);
        }

        .hero-trust-row {
            display: flex;
            gap: 10px;
            margin-top: 20px;
            flex-wrap: wrap;
        }

        .hero-trust-item {
            display: flex;
            align-items: center;
            gap: 6px;
            color: rgba(255, 255, 255, 0.95);
            font-size: 0.82rem;
            font-weight: 600;
        }

        .hero-trust-item svg {
            flex-shrink: 0;
        }

        /* INFO SECTION */
        .info-section {
            background: #f5f5f5;
            padding: 40px 0;
        }

        .info-card {
            background: white;
            border-radius: 12px;
            padding: 22px;
            box-shadow: 0 2px 10px rgba(0, 0, 0, 0.07);
            border-left: 4px solid #FFC000;
            margin-bottom: 16px;
        }

        .info-card h4 {
            color: #1e3c72;
            font-weight: 700;
            margin-bottom: 8px;
            font-size: 1rem;
        }

        .info-card p {
            color: #666;
            font-size: 0.9rem;
            margin: 0;
            line-height: 1.5;
        }

        .steps-row {
            display: flex;
            justify-content: space-around;
            gap: 10px;
            margin: 30px 0;
            flex-wrap: wrap;
        }

        .step-box {
            text-align: center;
            flex: 1;
            min-width: 80px;
        }

        .step-num {
            background: #FFC000;
            color: #1a1a1a;
            width: 46px;
            height: 46px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: 800;
            font-size: 1.2rem;
            margin: 0 auto 10px;
            box-shadow: 0 3px 10px rgba(255, 192, 0, 0.4);
        }

        .step-box p {
            color: #333;
            font-size: 0.85rem;
            font-weight: 600;
            margin: 0;
            line-height: 1.3;
        }

        .faq-item {
            border-bottom: 1px solid #eee;
            padding: 14px 0;
        }

        .faq-item:last-child {
            border-bottom: none;
        }

        .faq-item strong {
            color: #1e3c72;
            font-size: 0.95rem;
            display: block;
            margin-bottom: 5px;
        }

        .faq-item span {
            color: #666;
            font-size: 0.9rem;
        }

        .cta-bottom {
            background: linear-gradient(135deg, #FFC000 0%, #FFD700 100%);
            padding: 40px 20px;
            text-align: center;
        }

        .cta-bottom h3 {
            color: #1e3c72;
            font-size: 1.4rem;
            font-weight: 800;
            margin-bottom: 10px;
        }

        .cta-bottom p {
            color: rgba(30, 60, 114, 0.8);
            font-size: 0.95rem;
            margin-bottom: 25px;
        }

        .btn-cta-bottom {
            display: block;
            width: 100%;
            max-width: 400px;
            margin: 0 auto;
            background: #1e3c72;
            color: white;
            border: none;
            padding: 18px 20px;
            font-size: 1.05rem;
            font-weight: 700;
            border-radius: 10px;
            cursor: pointer;
            transition: all 0.3s ease;
            box-shadow: 0 6px 20px rgba(30, 60, 114, 0.35);
        }

        .btn-cta-bottom:hover {
            background: #162d5a;
            transform: translateY(-2px);
            color: white;
            text-decoration: none;
        }

        footer {
            background-color: #1e3c72 !important;
        }

        /* DESKTOP */
        @media (min-width: 768px) {
            .hero-section {
                min-height: 85vh;
            }

            .hero-content {
                padding: 60px 40px 40px;
                max-width: 520px;
            }

            .hero-title {
                font-size: 2.6rem;
            }

            .info-section .container {
                display: grid;
                grid-template-columns: 1fr 1fr 1fr;
                gap: 16px;
            }

            .info-card {
                margin-bottom: 0;
            }
        }