:root {
    --primary-color: #1e395e;
    --accent-color: #ffc107;
    --accent-hover: #e0a800;
    --text-main: #333333;
    --text-muted: #666666;
    --bg-light: #f4f7fb;
    --border-color: #dce1e7;
    --white: #ffffff;
    --shadow-sm: 0 2px 4px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 25px rgba(0,0,0,0.1);
    --radius-md: 8px;
    --radius-lg: 16px;
    --radius-pill: 50px;
}

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

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    color: var(--text-main);
    line-height: 1.6;
    background-color: var(--white);
    -webkit-font-smoothing: antialiased;
}

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

/* Navbar */
.navbar {
    padding: 24px 0;
    border-bottom: 1px solid var(--bg-light);
}

.logo {
    color: var(--primary-color);
    font-size: 1.5rem;
    font-weight: 700;
}

/* Hero Section */
.hero {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    padding: 60px 20px;
    min-height: calc(100vh - 80px); /* rough approximation for full screen minus header */
}

.hero-content {
    flex: 1;
    max-width: 600px;
}

.hero-title {
    font-size: 2.75rem;
    font-weight: 800;
    color: var(--primary-color);
    line-height: 1.2;
    margin-bottom: 20px;
}

.hero-description {
    font-size: 1.125rem;
    color: var(--text-muted);
    margin-bottom: 30px;
}

.hero-checklist {
    list-style: none;
    margin-bottom: 40px;
}

.hero-checklist li {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.05rem;
    margin-bottom: 12px;
    color: var(--text-main);
}

.check-icon {
    color: var(--accent-color);
    flex-shrink: 0;
}

.btn-primary {
    display: inline-block;
    background-color: var(--accent-color);
    color: var(--primary-color);
    font-weight: 700;
    text-decoration: none;
    padding: 16px 36px;
    border-radius: var(--radius-pill);
    font-size: 1.1rem;
    transition: all 0.3s ease;
    box-shadow: var(--shadow-md);
    border: none;
    cursor: pointer;
}

.btn-primary:hover {
    background-color: var(--accent-hover);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.hero-image-wrapper {
    flex: 1;
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-image {
    max-width: 100%;
    height: auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    transition: transform 0.3s ease;
}

.hero-image:hover {
    transform: scale(1.02);
}

/* Custom Banner */
.custom-banner {
    background: linear-gradient(135deg, #1fa275, #157e56);
    border-radius: var(--radius-lg);
    padding: 40px 30px;
    color: var(--white);
    box-shadow: var(--shadow-lg);
    width: 100%;
    max-width: 500px;
    position: relative;
    overflow: hidden;
}

.custom-banner::before {
    content: '';
    position: absolute;
    top: -60px;
    left: -40px;
    width: 150px;
    height: 150px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
}

.custom-banner::after {
    content: '';
    position: absolute;
    bottom: -40px;
    right: -40px;
    width: 120px;
    height: 120px;
    background: var(--accent-color);
    border-radius: 50%;
}

.custom-banner::before, .custom-banner::after {
    z-index: 1;
}

.banner-title {
    font-size: 1.6rem;
    font-weight: 800;
    margin-bottom: 35px;
    display: flex;
    align-items: center;
    gap: 10px;
    justify-content: center;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.2);
    position: relative;
    z-index: 2;
}

.banner-title .badge {
    background-color: transparent;
    border: 2px solid var(--white);
    color: var(--white);
    padding: 2px 14px;
    border-radius: var(--radius-pill);
    font-size: 1.4rem;
}

.banner-title .arrows {
    color: var(--accent-color);
    letter-spacing: -3px;
    font-size: 1.4rem;
}

.banner-steps {
    display: flex;
    justify-content: space-between;
    gap: 15px;
    position: relative;
    z-index: 2;
}

.step {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
}

.icon-circle {
    width: 65px;
    height: 65px;
    background-color: var(--white);
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    margin-bottom: 15px;
    box-shadow: 0 4px 10px rgba(0,0,0,0.15);
}

.step-num {
    font-size: 1.8rem;
    font-weight: 800;
    margin-bottom: 5px;
    text-shadow: 1px 1px 2px rgba(0,0,0,0.2);
}

.step-text {
    font-size: 0.85rem;
    font-weight: 700;
    line-height: 1.2;
    text-transform: uppercase;
}

/* Form Section */
.form-section {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 60px;
    padding: 80px 20px;
    background-color: var(--white);
    border-top: 1px solid var(--bg-light);
}

.form-content {
    flex: 1;
    max-width: 450px;
}

.section-title {
    font-size: 2rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 20px;
}

.section-description {
    font-size: 1.05rem;
    color: var(--text-muted);
}

.form-wrapper {
    flex: 1;
    background-color: var(--bg-light);
    padding: 40px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}

.credit-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-group label {
    font-weight: 600;
    color: var(--primary-color);
    font-size: 0.95rem;
}

.form-group input:not([type="file"]) {
    padding: 14px 16px;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    font-family: inherit;
    font-size: 1rem;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
    background-color: var(--white);
}

.form-group input:not([type="file"]):focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(30, 57, 94, 0.1);
}

.form-group input::placeholder {
    color: #a0aec0;
}

.file-group {
    margin-top: 5px;
}

.file-group input[type="file"] {
    padding: 10px;
    background-color: var(--white);
    border: 1px dashed var(--border-color);
    border-radius: var(--radius-md);
    cursor: pointer;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.btn-submit {
    margin-top: 10px;
    background-color: var(--primary-color);
    color: var(--white);
    font-weight: 600;
    padding: 16px;
    border: none;
    border-radius: var(--radius-pill);
    font-size: 1.1rem;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: var(--shadow-md);
}

.btn-submit:hover {
    background-color: #152945; /* Darker navy */
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

/* Responsive */
@media (max-width: 992px) {
    .hero, .form-section {
        flex-direction: column;
        padding: 40px 20px;
        gap: 40px;
    }
    
    .hero-content, .form-content, .form-wrapper {
        max-width: 100%;
        width: 100%;
    }
    
    .hero-title {
        font-size: 2.25rem;
    }
    
    .hero {
        min-height: auto;
    }
}

@media (max-width: 576px) {
    .hero-title {
        font-size: 1.8rem;
    }
    
    .form-wrapper {
        padding: 24px;
    }
}