:root {
    --font-main: 'Nunito', sans-serif;
    --radius-soft: 20px;
    --radius-round: 50px;
}

/* Light Theme (Default) */
body {
    --color-forest: #2d5a3d;
    --color-forest-dark: #1e3d29;
    --color-forest-light: #3d7a52;
    --color-sage: #7c9a82;
    --color-sage-light: #a8c4ad;
    --color-sage-pale: #d4e4d7;
    --color-cream: #faf8f3;
    --color-cream-dark: #f0ebe0;
    --color-brown: #5c4d3c;
    --color-brown-light: #8b7355;
    --color-earth: #c4a77d;
    --color-moss: #4a7c59;
    --color-leaf: #228b22;
    --color-text: #3d3d3d;
    --color-text-light: #6b6b6b;
    --color-text-inverse: #faf8f3;
    --color-border: #d4d4c4;
    --color-border-dark: #4a5a4d;
    --shadow-soft: 0 4px 20px rgba(45, 90, 61, 0.08);
    --shadow-medium: 0 8px 30px rgba(45, 90, 61, 0.12);
    --shadow-large: 0 16px 50px rgba(45, 90, 61, 0.15);
    --nav-bg: rgba(250, 248, 243, 0.92);
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-main);
    background: var(--color-cream);
    color: var(--color-text);
    line-height: 1.7;
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px 24px;
}

h1, h2, h3 {
    font-weight: 700;
    letter-spacing: -0.02em;
    color: var(--color-forest-dark);
}

/* Organic Decorative Elements */
.leaf-decoration {
    position: absolute;
    opacity: 0.1;
    pointer-events: none;
}

.organic-blob {
    position: absolute;
    border-radius: 60% 40% 70% 30% / 40% 50% 50% 60%;
    opacity: 0.05;
    pointer-events: none;
}

/* Navigation */
nav {
    padding: 20px 0;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 100;
    background: transparent;
    backdrop-filter: blur(10px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    transition: transform 0.3s ease;
}

nav.nav-hidden {
    transform: translateY(-100%);
}

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

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
}

.logo-icon {
    width: 40px;
    height: 40px;
}

.logo-text {
    font-size: 1.5rem;
    font-weight: 800;
    color: white;
}

.nav-links {
    display: flex;
    gap: 36px;
    align-items: center;
}

.nav-links a {
    color: rgba(255, 255, 255, 0.9);
    text-decoration: none;
    font-size: 0.95rem;
    font-weight: 600;
    transition: color 0.3s;
    position: relative;
}

.nav-links a:not(.btn):hover {
    color: white;
}

.nav-links a:not(.btn)::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: white;
    border-radius: 2px;
    transition: width 0.3s;
}

.nav-links a:not(.btn):hover::after {
    width: 100%;
}

.lang-switcher {
    display: flex;
    gap: 4px;
    margin-left: 12px;
    padding-left: 16px;
    border-left: 1px solid rgba(255, 255, 255, 0.2);
}

.lang-option {
    color: rgba(255, 255, 255, 0.7) !important;
}

.lang-option.active {
    color: white !important;
}

.nav-login {
    color: var(--color-forest) !important;
    font-weight: 700 !important;
}

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 32px;
    height: 32px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
    z-index: 1001;
}

.mobile-menu-btn span {
    display: block;
    width: 100%;
    height: 2px;
    background: var(--color-forest);
    border-radius: 2px;
    transition: all 0.3s ease;
}

.mobile-menu-btn.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.mobile-menu-btn.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-btn.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

.lang-option {
    padding: 6px 10px;
    border-radius: 6px;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--color-text-light);
    text-decoration: none;
    transition: all 0.3s;
}

.lang-option:hover {
    background: var(--color-sage-pale);
    color: var(--color-forest);
}

.lang-option.active {
    background: var(--color-forest);
    color: white;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 28px;
    border-radius: var(--radius-round);
    font-weight: 700;
    font-size: 0.95rem;
    text-decoration: none;
    transition: all 0.3s ease;
    cursor: pointer;
    border: none;
    font-family: var(--font-main);
}

.btn-primary {
    background: linear-gradient(135deg, var(--color-forest), var(--color-moss));
    color: white;
    box-shadow: 0 4px 15px rgba(45, 90, 61, 0.3);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(45, 90, 61, 0.4);
}

.btn-secondary {
    background: var(--color-cream);
    color: var(--color-forest);
    border: 2px solid var(--color-sage);
}

.btn-secondary:hover {
    background: var(--color-sage-pale);
    border-color: var(--color-forest);
}

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

.btn-dark:hover {
    background: var(--color-brown-light);
    transform: translateY(-2px);
}

.btn-lg {
    padding: 16px 36px;
    font-size: 1rem;
}

/* Hero Section */
.hero {
    padding: 80px 0 120px;
    padding-top: 80px;
    position: relative;
    overflow: hidden;
    background-image: url('https://images.pexels.com/photos/7434022/pexels-photo-7434022.jpeg');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    color: white;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(15, 20, 25, 0.92) 0%, rgba(15, 20, 25, 0.88) 100%);
    z-index: 1;
}

.hero .problem-grid {
    margin-top: 80px;
}

.hero-leaf-1 {
    top: 80px;
    left: 5%;
    width: 120px;
    height: 120px;
}

.hero-leaf-2 {
    bottom: 100px;
    right: 8%;
    width: 80px;
    height: 80px;
    transform: rotate(45deg);
}

.hero-unified {
    border-radius: var(--radius-soft);
    padding: 75px 10px 0px 10px;
    backdrop-filter: blur(10px);
    position: relative;
    z-index: 2;
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: start;
}

.hero-content {
    display: flex;
    flex-direction: column;
}

.hero h1 {
    font-size: clamp(2.5rem, 4.5vw, 3.5rem);
    line-height: 1.15;
    margin-bottom: 24px;
    color: white;
}

.hero h1 em {
    color: var(--color-leaf);
    font-style: normal;
}

.hero-subtitle {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.8);
    margin-bottom: 36px;
    line-height: 1.8;
}

.hero-cta {
    display: flex;
    gap: 16px;
    margin-bottom: 48px;
}

.hero-trust {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 16px 24px;
    background: white;
    border-radius: var(--radius-soft);
    box-shadow: var(--shadow-soft);
    width: fit-content;
}

.hero-trust-avatars {
    display: flex;
}

.hero-trust-avatars .avatar {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    border: 3px solid white;
    margin-left: -10px;
    background: linear-gradient(135deg, var(--color-forest), var(--color-sage));
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: white;
    font-size: 0.75rem;
}

.hero-trust-avatars .avatar:first-child {
    margin-left: 0;
}

.hero-trust-text {
    font-size: 0.9rem;
    color: var(--color-text-light);
}

.hero-trust-text strong {
    color: var(--color-forest);
    display: block;
}

.hero-image-container {
    background: rgba(255,255,255,0.08);
    border-radius: var(--radius-soft);
    border: 1px solid rgba(255,255,255,0.15);
    box-shadow: 0 8px 32px rgba(0,0,0,0.15);
    overflow: hidden;
    position: relative;
}

.hero-image-container::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--color-forest), var(--color-sage), var(--color-earth));
}

.hero-dashboard {
    padding: 28px;
}

.dashboard-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
    padding-bottom: 16px;
    border-bottom: 1px solid rgba(255,255,255,0.15);
}

.dashboard-title {
    font-weight: 700;
    font-size: 0.95rem;
    color: white;
}

.dashboard-status {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.85rem;
    color: var(--color-sage-light);
    font-weight: 600;
}

.dashboard-status::before {
    content: '';
    width: 10px;
    height: 10px;
    background: var(--color-sage-light);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.5; }
}

.offer-cards {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.offer-card {
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: 16px;
    padding: 18px;
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 16px;
    align-items: center;
    transition: all 0.3s ease;
}

.offer-card:hover {
    transform: translateX(4px);
    background: rgba(255,255,255,0.12);
}

.offer-card:first-child {
    border-color: var(--color-sage-light);
    background: rgba(124, 154, 130, 0.15);
    box-shadow: 0 0 0 2px rgba(124, 154, 130, 0.2);
}

.offer-card:first-child .offer-badge {
    display: inline-block;
}

.offer-logo {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 0.7rem;
    color: white;
    filter: blur(4px);
    user-select: none;
}

.offer-info h4 {
    font-weight: 700;
    font-size: 0.95rem;
    margin-bottom: 4px;
    color: white;
}

.offer-info .lender-name {
    filter: blur(4px);
    user-select: none;
}

.offer-info p {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.7);
}

.offer-badge {
    display: none;
    background: linear-gradient(135deg, var(--color-sage), var(--color-sage-light));
    color: var(--color-forest-dark);
    font-size: 0.7rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 20px;
    margin-left: 8px;
}

.offer-rate {
    text-align: right;
}

.offer-rate .rate {
    font-size: 1.3rem;
    font-weight: 800;
    color: white;
}

.offer-rate .label {
    font-size: 0.75rem;
    color: rgba(255,255,255,0.6);
    font-weight: 600;
}

.floating-card {
    position: absolute;
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 16px;
    padding: 18px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.15);
}

.floating-card.top-left {
    top: -24px;
    left: -48px;
    display: flex;
    align-items: center;
    gap: 14px;
}

.floating-card.bottom-right {
    bottom: -24px;
    right: -36px;
}

.floating-icon {
    width: 44px;
    height: 44px;
    background: linear-gradient(135deg, var(--color-forest), var(--color-sage));
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.floating-text {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.8);
}

.floating-text strong {
    display: block;
    font-size: 0.95rem;
    color: white;
}

/* Logos Section */
.logos-section {
    padding: 60px 0;
    background: white;
    border-top: 1px solid var(--color-border);
    border-bottom: 1px solid var(--color-border);
}

.logos-label {
    text-align: center;
    font-size: 0.85rem;
    color: var(--color-text-light);
    text-transform: uppercase;
    letter-spacing: 0.15em;
    margin-bottom: 32px;
    font-weight: 600;
}

.logos-grid {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 48px;
    flex-wrap: wrap;
}

.logo-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--color-text-light);
    font-weight: 700;
    font-size: 1rem;
    opacity: 0.6;
    transition: all 0.3s;
}

.logo-item:hover {
    opacity: 1;
    color: var(--color-forest);
}

.logo-item svg {
    width: 28px;
    height: 28px;
}

/* Problem Section (merged into hero) */
.problem-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero .section-label {
    color: var(--color-sage-light);
}

.hero .section-label::before {
    background: var(--color-sage-light);
}

.hero .section-title {
    color: white;
}

.hero .section-text {
    color: rgba(255,255,255,0.9);
}

.hero .problem-list li {
    color: rgba(255,255,255,0.85);
}

.section-label {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--color-moss);
    text-transform: uppercase;
    letter-spacing: 0.15em;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.section-label::before {
    content: '';
    width: 24px;
    height: 2px;
    background: var(--color-moss);
    border-radius: 2px;
}

.section-title {
    font-size: clamp(1.8rem, 3.5vw, 2.5rem);
    line-height: 1.25;
    margin-bottom: 24px;
}

.section-text {
    font-size: 1.1rem;
    color: var(--color-text-light);
    line-height: 1.85;
    margin-bottom: 32px;
}

.problem-list {
    list-style: none;
}

.problem-list li {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 18px;
    font-size: 1rem;
    color: var(--color-text-light);
}

.problem-list .icon {
    width: 28px;
    height: 28px;
    background: #fce8e8;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 2px;
}

.problem-list .icon svg {
    width: 14px;
    height: 14px;
    color: #c53030;
}

.problem-visual {
    position: relative;
}

.problem-illustration {
    border-radius: var(--radius-soft);
    padding: 48px;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-soft);
}

.time-comparison {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

.time-card {
    background: rgba(255,255,255,0.08);
    border-radius: 16px;
    padding: 28px;
    text-align: center;
    border: 1px solid rgba(255,255,255,0.15);
    backdrop-filter: blur(10px);
    transition: all 0.3s;
}

.time-card.traditional {
    opacity: 0.65;
}

.time-card.lenduck {
    background: rgba(124, 154, 130, 0.15);
    border: 1px solid var(--color-sage-light);
    box-shadow: 0 0 0 2px rgba(124, 154, 130, 0.2);
}

.time-card h4 {
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: rgba(255,255,255,0.7);
    margin-bottom: 16px;
}

.time-card .time {
    font-size: 3.5rem;
    font-weight: 800;
    color: white;
    margin-bottom: 8px;
}

.time-card.lenduck .time {
    color: var(--color-sage-light);
}

.time-card .unit {
    font-size: 0.95rem;
    color: rgba(255,255,255,0.8);
    font-weight: 500;
}

.time-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 32px 0 0;
}

.time-arrow-content {
    display: flex;
    align-items: center;
    gap: 12px;
    background: linear-gradient(135deg, var(--color-forest), var(--color-moss));
    color: white;
    padding: 14px 28px;
    border-radius: var(--radius-round);
    font-weight: 700;
    font-size: 0.95rem;
    box-shadow: 0 4px 15px rgba(45, 90, 61, 0.3);
}

/* How It Works Diagram */
.how-section {
    padding: 120px 0;
    background: linear-gradient(180deg, white 0%, var(--color-sage-pale) 100%);
    position: relative;
}

.how-section::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 200px;
    background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 200'%3E%3Cpath fill='%23d4e4d7' fill-opacity='0.3' d='M0,100 C360,180 720,20 1080,100 C1260,140 1380,80 1440,100 L1440,200 L0,200 Z'/%3E%3C/svg%3E");
    background-size: cover;
    pointer-events: none;
}

.how-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 80px;
}

.diagram-container {
    background: white;
    border-radius: var(--radius-soft);
    padding: 60px;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-large);
    position: relative;
    z-index: 1;
}

.diagram-title {
    text-align: center;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--color-text-light);
    margin-bottom: 48px;
    text-transform: uppercase;
    letter-spacing: 0.1em;
}

.diagram-flow {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    position: relative;
}

.diagram-column {
    flex: 1;
    max-width: 280px;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.diagram-column:nth-child(3) {
    justify-content: center;
}

.diagram-column-header {
    text-align: center;
    margin-bottom: 24px;
}

.diagram-column-header h4 {
    font-weight: 700;
    font-size: 0.95rem;
    margin-bottom: 6px;
    color: var(--color-forest-dark);
}

.diagram-column-header p {
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.diagram-node {
    background: var(--color-cream);
    border: 2px solid var(--color-border);
    border-radius: 16px;
    padding: 22px;
    width: 100%;
    text-align: center;
    margin-bottom: 14px;
    transition: all 0.3s ease;
}

.diagram-node:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-soft);
}

.diagram-node.software {
    border-color: var(--color-sage);
    background: linear-gradient(135deg, rgba(124, 154, 130, 0.08), transparent);
}

.diagram-node.software:hover {
    border-color: var(--color-forest);
}

.diagram-node.lenduck-hub {
    background: linear-gradient(135deg, var(--color-forest), var(--color-moss));
    border: none;
    color: white;
    padding: 48px 32px;
    box-shadow: var(--shadow-large), 0 0 60px rgba(45, 90, 61, 0.2);
    border-radius: var(--radius-soft);
    min-height: 320px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.diagram-node.lender {
    border-color: var(--color-earth);
    background: linear-gradient(135deg, rgba(196, 167, 125, 0.1), transparent);
}

.diagram-node.lender:hover {
    border-color: var(--color-brown);
}

.diagram-node-icon {
    width: 52px;
    height: 52px;
    margin: 0 auto 14px;
    background: white;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}

.diagram-node.lenduck-hub .diagram-node-icon {
    background: rgba(255,255,255,0.2);
    box-shadow: none;
}

.diagram-node h5 {
    font-weight: 700;
    font-size: 0.95rem;
    margin-bottom: 6px;
}

.diagram-node p {
    font-size: 0.8rem;
    color: var(--color-text-light);
}

.diagram-node.lenduck-hub h5,
.diagram-node.lenduck-hub p {
    color: white;
}

.diagram-node.lenduck-hub p {
    opacity: 0.85;
}

.diagram-arrow {
    flex: 0 0 90px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.diagram-arrow svg {
    width: 60px;
    color: var(--color-forest);
}

.diagram-arrow-label {
    font-size: 0.75rem;
    color: var(--color-text-light);
    text-align: center;
    margin-top: 10px;
    max-width: 80px;
    font-weight: 600;
}

.lenduck-features {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-top: 18px;
}

.lenduck-feature {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.8rem;
    color: rgba(255,255,255,0.95);
    font-weight: 500;
}

.lenduck-feature svg {
    width: 16px;
    height: 16px;
    flex-shrink: 0;
}

/* Privacy Note */
.privacy-note {
    margin-top: 48px;
    padding: 28px;
    background: linear-gradient(135deg, rgba(45, 90, 61, 0.06), rgba(124, 154, 130, 0.08));
    border: 1px solid rgba(45, 90, 61, 0.15);
    border-radius: 16px;
    display: flex;
    align-items: flex-start;
    gap: 20px;
}

.privacy-note-icon {
    width: 52px;
    height: 52px;
    background: linear-gradient(135deg, var(--color-forest), var(--color-moss));
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.privacy-note-icon svg {
    width: 26px;
    height: 26px;
    color: white;
}

.privacy-note-content h4 {
    font-weight: 700;
    font-size: 1.05rem;
    margin-bottom: 10px;
    color: var(--color-forest-dark);
}

.privacy-note-content p {
    font-size: 0.95rem;
    color: var(--color-text-light);
    line-height: 1.7;
}

/* Process Steps */
.process-section {
    padding: 120px 0;
    background: var(--color-cream);
    position: relative;
}

.process-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 80px;
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
}

.process-step {
    text-align: center;
    position: relative;
}

.process-step::after {
    content: '';
    position: absolute;
    top: 50px;
    left: calc(50% + 60px);
    width: calc(100% - 70px);
    height: 3px;
    background: linear-gradient(90deg, var(--color-sage), var(--color-border));
    border-radius: 2px;
}

.process-step:last-child::after {
    display: none;
}

.process-icon {
    width: 100px;
    height: 100px;
    background: linear-gradient(135deg, var(--color-forest), var(--color-moss));
    border-radius: 30px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 28px;
    box-shadow: var(--shadow-medium);
    position: relative;
}

.process-icon::before {
    content: '';
    position: absolute;
    inset: -4px;
    border-radius: 34px;
    border: 2px dashed var(--color-sage);
    opacity: 0.5;
}

.process-icon svg {
    width: 40px;
    height: 40px;
    color: white;
}

.process-step h4 {
    font-weight: 700;
    font-size: 1.15rem;
    margin-bottom: 14px;
    color: var(--color-forest-dark);
}

.process-step p {
    font-size: 0.95rem;
    color: var(--color-text-light);
    line-height: 1.7;
}

/* Value Props */
.value-section {
    padding: 120px 0;
    background-image: url('https://freerangestock.com/sample/121621/handshake-between-two-parties-after-agreement.jpg');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    color: var(--color-text-inverse);
    position: relative;
    overflow: hidden;
}

.value-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(45, 90, 61, 0.93) 0%, rgba(15, 20, 25, 0.90) 100%);
    z-index: 1;
}

.value-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    position: relative;
    z-index: 2;
}

.value-card {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-soft);
    padding: 48px;
    backdrop-filter: blur(10px);
}

.value-card-header {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-bottom: 28px;
}

.value-card-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--color-sage), var(--color-sage-light));
    border-radius: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.value-card-icon svg {
    width: 30px;
    height: 30px;
    color: var(--color-forest-dark);
}

.value-card h3 {
    font-size: 1.5rem;
    color: white;
}

.value-card > p {
    color: rgba(255,255,255,0.7);
    font-size: 1.05rem;
    line-height: 1.8;
    margin-bottom: 32px;
}

.value-features {
    display: grid;
    gap: 22px;
}

.value-feature {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.value-feature-icon {
    width: 28px;
    height: 28px;
    background: var(--color-moss);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 2px;
}

.value-feature-icon svg {
    width: 16px;
    height: 16px;
    color: white;
}

.value-feature div h5 {
    font-weight: 700;
    font-size: 1rem;
    margin-bottom: 6px;
    color: white;
}

.value-feature div p {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.6);
    line-height: 1.6;
}

.value-cta {
    margin-top: 36px;
}

.value-card.lender .value-card-icon {
    background: linear-gradient(135deg, var(--color-earth), var(--color-brown-light));
}

.value-card.lender .value-feature-icon {
    background: var(--color-brown);
}

/* Pricing Section */
.pricing-section {
    padding: 120px 0;
    background: white;
    position: relative;
}

.pricing-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 64px;
}

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

.pricing-card {
    background: var(--color-cream);
    border: 2px solid var(--color-border);
    border-radius: var(--radius-soft);
    padding: 40px 32px;
    position: relative;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
}

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

.pricing-card.featured {
    background: linear-gradient(135deg, var(--color-forest), var(--color-moss));
    border: none;
    color: white;
    transform: scale(1.05);
    box-shadow: var(--shadow-large);
}

.pricing-card.featured:hover {
    transform: scale(1.05) translateY(-8px);
}

.pricing-card.partner {
    background: linear-gradient(135deg, rgba(92, 77, 60, 0.05), rgba(139, 115, 85, 0.1));
    border-color: var(--color-earth);
}

.pricing-badge {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--color-earth);
    color: white;
    padding: 6px 20px;
    border-radius: var(--radius-round);
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.pricing-card-header h3 {
    font-size: 1.5rem;
    margin-bottom: 8px;
}

.pricing-card.featured .pricing-card-header h3 {
    color: white;
}

.pricing-desc {
    font-size: 0.95rem;
    color: var(--color-text-light);
    margin-bottom: 24px;
}

.pricing-card.featured .pricing-desc {
    color: rgba(255, 255, 255, 0.8);
}

.pricing-price {
    margin-bottom: 8px;
}

.pricing-price .price {
    font-size: 3rem;
    font-weight: 800;
    color: var(--color-forest-dark);
}

.pricing-card.featured .pricing-price .price {
    color: white;
}

.pricing-price .price.custom {
    font-size: 2rem;
}

.pricing-price .period {
    font-size: 1rem;
    color: var(--color-text-light);
    font-weight: 500;
}

.pricing-card.featured .pricing-price .period {
    color: rgba(255, 255, 255, 0.8);
}

.pricing-annual {
    font-size: 0.85rem;
    color: var(--color-text-light);
    margin-bottom: 28px;
}

.pricing-card.featured .pricing-annual {
    color: rgba(255, 255, 255, 0.7);
}

.pricing-features {
    list-style: none;
    margin-bottom: 32px;
    flex-grow: 1;
}

.pricing-features li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 14px;
    font-size: 0.95rem;
    color: var(--color-text);
}

.pricing-card.featured .pricing-features li {
    color: rgba(255, 255, 255, 0.95);
}

.pricing-features li svg {
    width: 20px;
    height: 20px;
    flex-shrink: 0;
    color: var(--color-moss);
    margin-top: 2px;
}

.pricing-card.featured .pricing-features li svg {
    color: var(--color-sage-light);
}

.pricing-btn {
    width: 100%;
    text-align: center;
    margin-top: auto;
}

.partner-form {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: auto;
}

.partner-form input {
    padding: 14px 18px;
    border: 2px solid var(--color-border);
    border-radius: 12px;
    background: white;
    color: var(--color-text);
    font-size: 0.95rem;
    font-family: var(--font-main);
    transition: all 0.3s ease;
}

.partner-form input:focus {
    outline: none;
    border-color: var(--color-brown);
    box-shadow: 0 0 0 4px rgba(92, 77, 60, 0.1);
}

.partner-form input::placeholder {
    color: var(--color-text-light);
}

/* CTA Section */
.cta-section {
    padding: 120px 0;
    background: white;
    position: relative;
}

.cta-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
}

.cta-card {
    border-radius: var(--radius-soft);
    padding: 48px;
    position: relative;
    overflow: hidden;
}

.cta-card::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -30%;
    width: 200px;
    height: 200px;
    border-radius: 60% 40% 70% 30% / 40% 50% 50% 60%;
    opacity: 0.1;
}

.cta-card.business {
    background: linear-gradient(135deg, rgba(45, 90, 61, 0.08), rgba(124, 154, 130, 0.12));
    border: 1px solid rgba(45, 90, 61, 0.2);
}

.cta-card.business::before {
    background: var(--color-forest);
}

.cta-card.lender {
    background: linear-gradient(135deg, rgba(196, 167, 125, 0.1), rgba(139, 115, 85, 0.12));
    border: 1px solid rgba(139, 115, 85, 0.2);
}

.cta-card.lender::before {
    background: var(--color-brown);
}

.cta-card-badge {
    display: inline-block;
    padding: 8px 18px;
    border-radius: var(--radius-round);
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 24px;
}

.cta-card.business .cta-card-badge {
    background: linear-gradient(135deg, var(--color-forest), var(--color-moss));
    color: white;
}

.cta-card.lender .cta-card-badge {
    background: linear-gradient(135deg, var(--color-brown), var(--color-brown-light));
    color: white;
}

.cta-card h3 {
    font-size: 1.75rem;
    margin-bottom: 16px;
}

.cta-card > p {
    color: var(--color-text-light);
    font-size: 1.05rem;
    margin-bottom: 32px;
    line-height: 1.7;
}

.cta-form {
    display: flex;
    gap: 14px;
}

.cta-form input {
    flex: 1;
    padding: 16px 22px;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-round);
    background: white;
    color: var(--color-text);
    font-size: 1rem;
    font-family: var(--font-main);
    transition: all 0.3s ease;
}

.cta-form input:focus {
    outline: none;
    border-color: var(--color-forest);
    box-shadow: 0 0 0 4px rgba(45, 90, 61, 0.1);
}

.cta-form input::placeholder {
    color: var(--color-text-light);
}

.cta-card.lender .cta-form input:focus {
    border-color: var(--color-brown);
    box-shadow: 0 0 0 4px rgba(92, 77, 60, 0.1);
}

.cta-note {
    margin-top: 18px;
    font-size: 0.85rem;
    color: var(--color-text-light);
}

/* About Section */
.about-section {
    padding: 120px 0;
    background: linear-gradient(135deg, var(--color-forest-dark) 0%, var(--color-forest) 100%);
    color: white;
    position: relative;
    overflow: hidden;
}

.about-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(124, 154, 130, 0.2) 0%, transparent 70%);
    border-radius: 50%;
}

.about-section::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(196, 167, 125, 0.15) 0%, transparent 70%);
    border-radius: 50%;
}

.about-content {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
    position: relative;
    z-index: 2;
}

.about-content .section-label {
    color: var(--color-sage-light);
}

.about-content .section-label::before {
    background: var(--color-sage-light);
}

.about-content .section-title {
    color: white;
    margin-bottom: 32px;
}

.about-lead {
    font-size: 1.25rem;
    line-height: 1.9;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 48px;
}

.about-values {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    margin-top: 64px;
}

.about-value {
    text-align: center;
    padding: 32px 24px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 16px;
    transition: all 0.3s ease;
}

.about-value:hover {
    background: rgba(255, 255, 255, 0.1);
    transform: translateY(-4px);
}

.about-value-icon {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, var(--color-sage), var(--color-sage-light));
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
}

.about-value-icon svg {
    width: 32px;
    height: 32px;
    color: var(--color-forest-dark);
}

.about-value h4 {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: white;
}

.about-value p {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.7;
}

@media (max-width: 768px) {
    .about-values {
        grid-template-columns: 1fr;
    }
}

/* FAQ Section */
.faq-section {
    padding: 120px 0;
    background: var(--color-sage-pale);
    position: relative;
}

.faq-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: linear-gradient(180deg, white 0%, transparent 100%);
}

.faq-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 64px;
    position: relative;
    z-index: 1;
}

.faq-grid {
    display: flex;
    flex-direction: column;
    gap: 16px;
    max-width: 900px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.faq-item {
    background: white;
    border: 1px solid var(--color-border);
    border-radius: 16px;
    overflow: hidden;
    transition: all 0.3s ease;
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 32px;
    cursor: pointer;
    transition: all 0.3s ease;
}

.faq-question:hover {
    background: var(--color-sage-pale);
}

.faq-item h4 {
    font-weight: 700;
    font-size: 1.1rem;
    color: var(--color-forest-dark);
    margin: 0;
}

.faq-icon {
    font-size: 1.5rem;
    font-weight: 300;
    color: var(--color-forest);
    transition: transform 0.3s ease;
    flex-shrink: 0;
    margin-left: 16px;
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

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

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 0 32px 24px 32px;
}

.faq-answer p {
    color: var(--color-text-light);
    font-size: 0.95rem;
    line-height: 1.75;
    margin: 0;
}

/* Blog Section */
.blog-section {
    padding: 120px 0;
    background: white;
    position: relative;
}

.blog-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: linear-gradient(180deg, var(--color-sage-pale) 0%, transparent 100%);
}

.blog-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 64px;
    position: relative;
    z-index: 1;
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
    max-width: 1100px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.blog-card {
    background: var(--color-cream);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-soft);
    overflow: hidden;
    transition: all 0.3s ease;
    text-decoration: none;
    display: flex;
    flex-direction: column;
}

.blog-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-large);
    border-color: var(--color-sage);
}

.blog-card-image {
    height: 200px;
    background: linear-gradient(135deg, var(--color-forest), var(--color-moss));
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
}

.blog-card-image svg {
    width: 80px;
    height: 80px;
    color: rgba(255,255,255,0.3);
}

.blog-card-image::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 60px;
    background: linear-gradient(0deg, var(--color-cream), transparent);
}

.blog-card.case-study .blog-card-image {
    background: linear-gradient(135deg, var(--color-earth), var(--color-brown));
}

.blog-card.how-it-works .blog-card-image {
    background: linear-gradient(135deg, var(--color-sage), var(--color-forest-light));
}

.blog-card.open-finance .blog-card-image {
    background: linear-gradient(135deg, var(--color-moss), var(--color-forest));
}

.blog-card-content {
    padding: 28px 32px 32px;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.blog-card-category {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--color-forest);
    margin-bottom: 12px;
}

.blog-card-title {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--color-forest-dark);
    margin-bottom: 14px;
    line-height: 1.35;
}

.blog-card-excerpt {
    color: var(--color-text-light);
    font-size: 0.95rem;
    line-height: 1.7;
    flex: 1;
}

.blog-card-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 20px;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--color-forest);
    transition: gap 0.3s ease;
}

.blog-card:hover .blog-card-link {
    gap: 12px;
}

.blog-card-link svg {
    width: 18px;
    height: 18px;
}

@media (max-width: 768px) {
    .blog-grid {
        grid-template-columns: 1fr;
    }

    .blog-card-image {
        height: 160px;
    }
}

/* Footer */
footer {
    padding: 60px 0;
    background: var(--color-forest-dark);
    color: var(--color-text-inverse);
}

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

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

.footer-logo-text {
    font-size: 1.5rem;
    font-weight: 800;
}

.footer-links {
    display: flex;
    gap: 36px;
}

.footer-links a {
    color: rgba(255,255,255,0.7);
    text-decoration: none;
    font-size: 0.95rem;
    font-weight: 500;
    transition: color 0.3s;
}

.footer-links a:hover {
    color: white;
}

.footer-copy {
    color: rgba(255,255,255,0.5);
    font-size: 0.9rem;
}

/* Toast */
.toast {
    position: fixed;
    bottom: 24px;
    right: 24px;
    background: var(--color-forest);
    color: white;
    padding: 18px 28px;
    border-radius: var(--radius-soft);
    font-weight: 600;
    transform: translateY(100px);
    opacity: 0;
    transition: all 0.4s ease;
    z-index: 1000;
    display: flex;
    align-items: center;
    gap: 14px;
    box-shadow: var(--shadow-large);
}

.toast.show {
    transform: translateY(0);
    opacity: 1;
}

.toast svg {
    width: 22px;
    height: 22px;
    color: var(--color-sage-light);
}

/* Responsive */
@media (max-width: 1024px) {
    .problem-grid,
    .value-grid,
    .cta-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .pricing-grid {
        grid-template-columns: 1fr;
        max-width: 450px;
        margin: 0 auto;
    }

    .pricing-card.featured {
        transform: none;
    }

    .pricing-card.featured:hover {
        transform: translateY(-8px);
    }

    .diagram-flow {
        flex-direction: column;
        align-items: center;
    }

    .diagram-column {
        max-width: 100%;
    }

    .diagram-arrow {
        transform: rotate(90deg);
        padding: 24px 0;
    }

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

    .process-step::after {
        display: none;
    }
}

@media (max-width: 768px) {
    .mobile-menu-btn {
        display: flex;
        position: relative;
        z-index: 1002;
    }

    .nav-links {
        position: fixed;
        top: 0;
        left: 0;
        width: 100%;
        height: 100vh;
        background-color: #faf8f3;
        display: none;
        flex-direction: column;
        justify-content: center;
        align-items: center;
        gap: 24px;
        z-index: 1001;
        padding: 80px 24px 40px;
    }

    .nav-links.active {
        display: flex !important;
    }

    .nav-links a {
        font-size: 1.25rem;
    }

    .nav-links .btn {
        width: 100%;
        max-width: 280px;
        text-align: center;
    }

    .lang-switcher {
        margin-left: 0;
        padding-left: 0;
        border-left: none;
        margin-top: 16px;
        padding-top: 16px;
        border-top: 1px solid var(--color-border);
    }

    .process-steps {
        grid-template-columns: 1fr;
    }

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

    .cta-form {
        flex-direction: column;
    }

    .footer-inner {
        flex-direction: column;
        gap: 28px;
        text-align: center;
    }

    .floating-card {
        display: none !important;
        visibility: hidden !important;
    }

    .logos-grid {
        gap: 24px;
    }

    .logo-item {
        font-size: 0.9rem;
    }

    .privacy-note {
        flex-direction: column;
        text-align: center;
    }

    .diagram-container {
        padding: 32px 20px;
    }

    .hero-cta {
        flex-direction: column;
        gap: 12px;
    }

    .hero-cta .btn {
        width: 100%;
        text-align: center;
    }

    .hero-unified {
        grid-template-columns: 1fr;
        text-align: center;
        padding: 32px;
    }

    .hero-unified h1 {
        font-size: 2rem;
    }

    .problem-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    /* Disable fixed backgrounds on mobile for better performance */
    .hero,
    .value-section,
    .about-section {
        background-attachment: scroll;
    }

    .problem-visual {
        overflow-x: visible;
    }

    .time-comparison {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .problem-illustration {
        padding: 24px;
    }

    .diagram-flow {
        flex-direction: column;
        gap: 24px;
    }

    .diagram-column {
        max-width: 100%;
    }

    .diagram-arrow {
        transform: rotate(90deg);
        padding: 16px 0;
    }

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

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

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

    .section-title {
        font-size: 1.75rem;
    }
}