/* ============================================
   Pages CSS - Additional styles for new pages
   Uses variables from main styles.css
   ============================================ */

/* ============================================
   Apply Page
   ============================================ */
.apply-page {
    padding: 140px 0 80px;
    min-height: 100vh;
    background: var(--color-bg);
}

.apply-page .container {
    max-width: 800px;
}

.apply__header {
    text-align: center;
    margin-bottom: 40px;
}

.apply__form-container {
    background: var(--color-white);
    border-radius: var(--border-radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
    min-height: 600px;
}

#_lg_form_ {
    width: 100%;
}

/* ============================================
   Rates & Fees Page
   ============================================ */
.rates-page {
    padding: 140px 0 80px;
    min-height: 100vh;
}

.rates__header {
    text-align: center;
    margin-bottom: 60px;
}

.rates__overview {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-bottom: 60px;
}

.rate-card {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 32px;
    text-align: center;
    border: 1px solid var(--color-border);
    transition: var(--transition);
}

.rate-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.rate-card__icon {
    width: 64px;
    height: 64px;
    margin: 0 auto 20px;
    background: var(--color-accent-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
}

.rate-card__title {
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 8px;
}

.rate-card__value {
    font-family: var(--font-display);
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--color-accent);
}

.rates__examples {
    margin-bottom: 60px;
}

.rates__examples h2 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 24px;
    text-align: center;
}

.rates-table {
    width: 100%;
    background: var(--color-white);
    border-radius: var(--border-radius);
    overflow: hidden;
    border: 1px solid var(--color-border);
}

.rates-table th,
.rates-table td {
    padding: 16px 20px;
    text-align: left;
    border-bottom: 1px solid var(--color-border);
}

.rates-table th {
    background: var(--color-accent-light);
    font-weight: 600;
    color: var(--color-black);
    font-size: 0.9rem;
}

.rates-table td {
    color: var(--color-text);
    font-size: 0.95rem;
}

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

.rates-table tr:hover td {
    background: var(--color-bg);
}

.rates__fees {
    margin-bottom: 60px;
}

.rates__fees h2 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 24px;
    text-align: center;
}

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

.fee-item {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 24px;
    border: 1px solid var(--color-border);
}

.fee-item__title {
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.fee-item__title i {
    color: var(--color-accent);
}

.fee-item__text {
    font-size: 0.95rem;
    color: var(--color-text-light);
    line-height: 1.6;
}

.rates__apr-info {
    background: var(--color-accent-light);
    border-radius: var(--border-radius);
    padding: 40px;
}

.rates__apr-info h2 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 16px;
}

.rates__apr-info p {
    color: var(--color-text);
    margin-bottom: 20px;
    line-height: 1.7;
}

.apr-tips {
    list-style: none;
    padding: 0;
}

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

.apr-tips li i {
    color: var(--color-accent);
    margin-top: 4px;
}

@media (max-width: 768px) {
    .rates__overview {
        grid-template-columns: 1fr;
    }
    
    .fees-grid {
        grid-template-columns: 1fr;
    }
    
    .rates-table {
        font-size: 0.85rem;
    }
    
    .rates-table th,
    .rates-table td {
        padding: 12px;
    }
}

/* ============================================
   Responsible Lending Page
   ============================================ */
.responsible-page {
    padding: 140px 0 80px;
    min-height: 100vh;
    background: var(--color-bg);
}

.responsible__header {
    text-align: center;
    margin-bottom: 60px;
}

.responsible__header .section-title {
    margin-bottom: 20px;
}

.principles-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-bottom: 80px;
}

.principle-card {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 40px 28px;
    text-align: center;
    border: 1px solid var(--color-border);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.principle-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--color-accent), var(--color-accent-dark));
    opacity: 0;
    transition: var(--transition);
}

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

.principle-card:hover::before {
    opacity: 1;
}

.principle-card__icon {
    width: 72px;
    height: 72px;
    margin: 0 auto 24px;
    background: var(--color-accent-light);
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
    font-size: 1.75rem;
    transition: var(--transition);
}

.principle-card:hover .principle-card__icon {
    background: var(--color-accent);
    color: var(--color-white);
}

.principle-card__title {
    font-family: var(--font-display);
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 14px;
}

.principle-card__text {
    font-size: 0.95rem;
    color: var(--color-text-light);
    line-height: 1.7;
}

.standards-section {
    margin-bottom: 80px;
}

.standards-section h2 {
    font-family: var(--font-display);
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 32px;
    text-align: center;
}

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

.standards-box {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 36px;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-sm);
}

.standards-box--require {
    border-top: 4px solid var(--color-accent);
}

.standards-box--prohibit {
    border-top: 4px solid #C9A282;
}

.standards-box h3 {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.standards-box h3 i {
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    font-size: 1rem;
}

.standards-box--require h3 i {
    background: var(--color-accent-light);
    color: var(--color-accent);
}

.standards-box--prohibit h3 i {
    background: #FAF0E6;
    color: #A67C52;
}

.standards-box ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.standards-box li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 14px;
    font-size: 0.95rem;
    color: var(--color-text);
    line-height: 1.6;
}

.standards-box li:last-child {
    margin-bottom: 0;
}

.standards-box li i {
    margin-top: 5px;
    font-size: 0.75rem;
    flex-shrink: 0;
}

.standards-box--require li i {
    color: var(--color-accent);
}

.standards-box--prohibit li i {
    color: #A67C52;
}

.borrowing-tips {
    background: linear-gradient(135deg, var(--color-accent-light) 0%, #f0f4ef 100%);
    border-radius: var(--border-radius-lg);
    padding: 60px 48px;
    margin-bottom: 80px;
}

.borrowing-tips h2 {
    font-family: var(--font-display);
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 32px;
    text-align: center;
}

.tips-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.tip-item {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 24px;
    display: flex;
    align-items: flex-start;
    gap: 16px;
    box-shadow: var(--shadow-sm);
    border: 1px solid rgba(95, 110, 90, 0.1);
    transition: var(--transition);
}

.tip-item:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.tip-item i {
    width: 44px;
    height: 44px;
    background: var(--color-accent-light);
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
    font-size: 1.1rem;
    flex-shrink: 0;
}

.tip-item span {
    font-size: 0.95rem;
    color: var(--color-text);
    line-height: 1.6;
    padding-top: 10px;
}

.warning-box {
    background: linear-gradient(135deg, #FFF9F0 0%, #FFF5E6 100%);
    border: 1px solid #E8D4BC;
    border-radius: var(--border-radius);
    padding: 40px;
    position: relative;
}

.warning-box::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #C9A282, #A67C52);
    border-radius: var(--border-radius) var(--border-radius) 0 0;
}

.warning-box h3 {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 600;
    color: #8B6914;
    margin-bottom: 24px;
    display: flex;
    align-items: center;
    gap: 14px;
}

.warning-box h3 i {
    width: 44px;
    height: 44px;
    background: rgba(201, 162, 130, 0.2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #A67C52;
    font-size: 1.1rem;
}

.warning-box ul {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.warning-box li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 0.95rem;
    color: #6B5A14;
    line-height: 1.6;
    background: rgba(255, 255, 255, 0.6);
    padding: 14px 16px;
    border-radius: var(--border-radius-sm);
}

.warning-box li i {
    color: #A67C52;
    margin-top: 4px;
    font-size: 0.8rem;
    flex-shrink: 0;
}

@media (max-width: 900px) {
    .principles-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .tips-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .warning-box ul {
        grid-template-columns: 1fr;
    }
    
    .borrowing-tips {
        padding: 40px 32px;
    }
}

@media (max-width: 600px) {
    .responsible-page {
        padding: 120px 0 60px;
    }
    
    .principles-grid {
        grid-template-columns: 1fr;
    }
    
    .standards-grid {
        grid-template-columns: 1fr;
    }
    
    .tips-grid {
        grid-template-columns: 1fr;
    }
    
    .borrowing-tips {
        padding: 32px 24px;
    }
    
    .warning-box {
        padding: 32px 24px;
    }
}

/* ============================================
   Contact Page (Updated)
   ============================================ */
.contact-form-section {
    margin-bottom: 80px;
}

.contact-form {
    background: var(--color-white);
    border-radius: var(--border-radius-lg);
    padding: 48px;
    box-shadow: var(--shadow-md);
    max-width: 640px;
    margin: 0 auto;
    border: 1px solid var(--color-border);
    position: relative;
}

.contact-form::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--color-accent), var(--color-accent-dark));
    border-radius: var(--border-radius-lg) var(--border-radius-lg) 0 0;
}

.form-group {
    margin-bottom: 28px;
}

.form-group label {
    display: block;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 10px;
    font-size: 0.95rem;
    font-family: var(--font-body);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 16px 18px;
    border: 2px solid var(--color-border);
    border-radius: var(--border-radius-sm);
    font-family: var(--font-body);
    font-size: 1rem;
    background: var(--color-bg);
    transition: var(--transition);
    color: var(--color-text);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--color-text-light);
}

.form-group input:hover,
.form-group select:hover,
.form-group textarea:hover {
    border-color: rgba(95, 110, 90, 0.3);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--color-accent);
    background: var(--color-white);
    box-shadow: 0 0 0 4px rgba(95, 110, 90, 0.1);
}

.form-group textarea {
    min-height: 160px;
    resize: vertical;
    line-height: 1.6;
}

.form-group select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%234A4A4A' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    background-size: 18px;
    padding-right: 48px;
}

.form-submit {
    width: 100%;
    padding: 18px 32px;
    font-size: 1.05rem;
    font-weight: 600;
    background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-dark) 100%);
    border: none;
    color: var(--color-white);
    border-radius: 100px;
    cursor: pointer;
    transition: var(--transition);
    margin-top: 8px;
}

.form-submit:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(95, 110, 90, 0.35);
}

/* ============================================
   Login Page
   ============================================ */
.login-page {
    padding: 140px 0 80px;
    min-height: 100vh;
    display: flex;
    align-items: center;
}

.login__container {
    max-width: 440px;
    margin: 0 auto;
}

.login__header {
    text-align: center;
    margin-bottom: 32px;
}

.login__form {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 40px;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-md);
}

.login__error {
    display: none;
    background: #fee;
    border: 1px solid #e74c3c;
    color: #c0392b;
    padding: 12px 16px;
    border-radius: var(--border-radius-sm);
    margin-bottom: 20px;
    font-size: 0.9rem;
}

.login__error.visible {
    display: block;
}

.form-group--checkbox {
    display: flex;
    align-items: center;
    gap: 10px;
}

.form-group--checkbox input {
    width: auto;
}

.form-group--checkbox label {
    margin-bottom: 0;
    font-weight: 400;
    font-size: 0.9rem;
    color: var(--color-text-light);
}

.login__links {
    text-align: center;
    margin-top: 24px;
    padding-top: 24px;
    border-top: 1px solid var(--color-border);
}

.login__links a {
    color: var(--color-accent);
    font-size: 0.9rem;
}

.login__links a:hover {
    color: var(--color-black);
}

/* ============================================
   Legal Pages (Privacy, Terms, E-Consent, etc.)
   Unified styling for all text-heavy legal pages
   ============================================ */
.legal-page {
    padding: 140px 0 80px;
    min-height: 100vh;
    background: var(--color-bg);
}

.legal-page .container {
    max-width: 800px;
}

.legal__content h1 {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 2.5rem);
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 12px;
    line-height: 1.2;
}

.legal__date {
    font-size: 0.9rem;
    color: var(--color-text-light);
    margin-bottom: 48px;
}

.legal__content h2 {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 600;
    color: var(--color-black);
    margin: 40px 0 16px;
    line-height: 1.3;
}

.legal__content h2:first-of-type {
    margin-top: 0;
}

.legal__content h3 {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 600;
    color: var(--color-black);
    margin: 28px 0 12px;
    line-height: 1.4;
}

.legal__content p {
    color: var(--color-text);
    line-height: 1.8;
    margin-bottom: 16px;
    font-size: 1rem;
}

.legal__content p:last-child {
    margin-bottom: 0;
}

.legal__content ul,
.legal__content ol {
    margin: 16px 0;
    padding-left: 24px;
    color: var(--color-text);
}

.legal__content li {
    margin-bottom: 10px;
    line-height: 1.75;
    font-size: 1rem;
}

.legal__content li:last-child {
    margin-bottom: 0;
}

.legal__content li strong {
    color: var(--color-black);
}

.legal__content a {
    color: var(--color-accent);
    transition: var(--transition);
}

.legal__content a:hover {
    color: var(--color-accent-dark);
    text-decoration: underline;
}

@media (max-width: 900px) {
    .legal-page {
        padding: 120px 0 60px;
    }
}

@media (max-width: 600px) {
    .legal-page {
        padding: 100px 0 48px;
    }
    
    .legal__content h1 {
        font-size: 1.75rem;
    }
    
    .legal__content h2 {
        font-size: 1.25rem;
        margin: 32px 0 14px;
    }
    
    .legal__content h3 {
        font-size: 1.1rem;
    }
    
    .legal__content p,
    .legal__content li {
        font-size: 0.95rem;
    }
}

/* ============================================
   Do Not Sell Page
   ============================================ */
.dns-form {
    background: var(--color-bg);
    border-radius: var(--border-radius);
    padding: 32px;
    margin-top: 32px;
}

.dns-form h3 {
    margin-top: 0 !important;
}

/* ============================================
   Unsubscribe Pages
   ============================================ */
.unsubscribe-page {
    padding: 140px 0 80px;
    min-height: 100vh;
}

.unsubscribe__container {
    max-width: 500px;
    margin: 0 auto;
    text-align: center;
}

.unsubscribe__icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 24px;
    background: var(--color-accent-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
    font-size: 2rem;
}

.unsubscribe__icon--success {
    background: #d4edda;
    color: var(--color-success);
}

.unsubscribe__title {
    font-family: var(--font-display);
    font-size: 1.8rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 16px;
}

.unsubscribe__text {
    color: var(--color-text-light);
    margin-bottom: 32px;
    line-height: 1.7;
}

.unsubscribe__form {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 32px;
    border: 1px solid var(--color-border);
    text-align: left;
}

.unsubscribe__form .form-group {
    margin-bottom: 20px;
}

/* One-click unsubscribe - minimal */
.oneclick-page {
    padding: 100px 0;
    min-height: 100vh;
    display: flex;
    align-items: center;
}

.oneclick__container {
    max-width: 500px;
    margin: 0 auto;
    text-align: center;
}

.oneclick__message {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 48px;
    border: 1px solid var(--color-border);
}

.oneclick__icon {
    width: 64px;
    height: 64px;
    margin: 0 auto 20px;
    background: #d4edda;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-success);
    font-size: 1.5rem;
}

/* ============================================
   Footer - Light Version
   ============================================ */
.footer-light {
    background: var(--color-white);
    border-top: 1px solid var(--color-border);
    padding: 60px 0 0;
}

.footer-light__main {
    display: grid;
    grid-template-columns: 1.5fr 2fr;
    gap: 60px;
    padding-bottom: 40px;
    border-bottom: 1px solid var(--color-border);
}

.footer-light__brand {
    max-width: 300px;
}

.footer-light__tagline {
    font-size: 0.95rem;
    color: var(--color-text-light);
    margin-top: 12px;
    line-height: 1.6;
}

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

.footer-light__nav-group h4 {
    font-family: var(--font-display);
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 16px;
}

.footer-light__nav-group ul {
    list-style: none;
    padding: 0;
}

.footer-light__nav-group li {
    margin-bottom: 10px;
}

.footer-light__nav-group a {
    font-size: 0.9rem;
    color: var(--color-text-light);
    transition: var(--transition);
}

.footer-light__nav-group a:hover {
    color: var(--color-accent);
}

.footer-light__trust {
    display: flex;
    justify-content: center;
    gap: 32px;
    padding: 32px 0;
    border-bottom: 1px solid var(--color-border);
    flex-wrap: wrap;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.trust-badge i {
    color: var(--color-accent);
}

.footer-light__disclaimer {
    padding: 32px 0;
    border-bottom: 1px solid var(--color-border);
}

.footer-light__disclaimer p {
    font-size: 0.8rem;
    color: var(--color-text-light);
    line-height: 1.8;
}

.footer-light__disclaimer strong {
    color: var(--color-text);
}

.footer-light__bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 0;
    flex-wrap: wrap;
    gap: 16px;
}

.footer-light__copyright {
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.footer-light__quick-links {
    display: flex;
    gap: 24px;
}

.footer-light__quick-links a {
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.footer-light__quick-links a:hover {
    color: var(--color-accent);
}

@media (max-width: 900px) {
    .footer-light__main {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .footer-light__nav {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 600px) {
    .footer-light__nav {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    
    .footer-light__trust {
        gap: 20px;
    }
    
    .footer-light__bottom {
        flex-direction: column;
        text-align: center;
    }
}

/* ============================================
   Contact Page Cards
   ============================================ */
.contact-page {
    padding: 140px 0 80px;
    background: var(--color-bg);
    min-height: 100vh;
}

.contact__header {
    text-align: center;
    margin-bottom: 60px;
}

.contact__header .section-title {
    margin-bottom: 16px;
}

.contact__subtitle {
    color: var(--color-text-light);
    font-size: 1.15rem;
    margin-top: 0;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.7;
}

.contact__cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 80px;
}

.contact-card {
    background: var(--color-white);
    border-radius: var(--border-radius);
    padding: 40px 32px;
    text-align: center;
    border: 1px solid var(--color-border);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.contact-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--color-accent), var(--color-accent-dark));
    opacity: 0;
    transition: var(--transition);
}

.contact-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}

.contact-card:hover::before {
    opacity: 1;
}

.contact-card__icon {
    width: 72px;
    height: 72px;
    margin: 0 auto 24px;
    background: var(--color-accent-light);
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
    transition: var(--transition);
}

.contact-card:hover .contact-card__icon {
    background: var(--color-accent);
    color: var(--color-white);
}

.contact-card__title {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 16px;
}

.contact-card__link {
    color: var(--color-accent);
    font-size: 1rem;
    font-weight: 500;
    display: inline-block;
    margin-bottom: 12px;
    padding: 8px 16px;
    background: var(--color-accent-light);
    border-radius: 100px;
    transition: var(--transition);
}

.contact-card__link:hover {
    background: var(--color-accent);
    color: var(--color-white);
    text-decoration: none;
}

.contact-card__detail {
    color: var(--color-black);
    font-weight: 600;
    margin-bottom: 6px;
    font-size: 1.05rem;
}

.contact-card__text {
    color: var(--color-text-light);
    font-size: 0.95rem;
    line-height: 1.6;
}

@media (max-width: 900px) {
    .contact__cards {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 600px) {
    .contact-page {
        padding: 120px 0 60px;
    }
    
    .contact__cards {
        grid-template-columns: 1fr;
    }
    
    .contact-form {
        padding: 32px 24px;
    }
}

/* ============================================
   Application Process Section (index.html)
   ============================================ */
.apply-process {
    padding: var(--section-padding) 0;
    background: var(--color-bg-alt);
}

.apply-process__header {
    text-align: center;
    margin-bottom: 60px;
}

.apply-process__header .section-subtitle {
    margin: 0 auto;
}

.apply-process__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
    margin-bottom: 60px;
}

.process-step {
    background: var(--color-bg);
    border-radius: var(--border-radius);
    padding: 32px;
    position: relative;
    border: 1px solid var(--color-border);
    transition: var(--transition);
}

.process-step:hover {
    box-shadow: var(--shadow-md);
    border-color: var(--color-accent);
}

.process-step__number {
    position: absolute;
    top: -16px;
    left: 32px;
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-dark) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
    color: var(--color-white);
    box-shadow: 0 4px 12px rgba(95, 110, 90, 0.3);
}

.process-step__content {
    padding-top: 16px;
}

.process-step__icon {
    width: 56px;
    height: 56px;
    background: var(--color-accent-light);
    border-radius: var(--border-radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
    margin-bottom: 20px;
}

.process-step__title {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 12px;
}

.process-step__text {
    color: var(--color-text);
    font-size: 0.95rem;
    line-height: 1.7;
    margin-bottom: 16px;
}

.process-step__details {
    list-style: none;
    padding: 0;
    margin: 0;
}

.process-step__details li {
    position: relative;
    padding-left: 20px;
    color: var(--color-text-light);
    font-size: 0.9rem;
    margin-bottom: 6px;
}

.process-step__details li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 8px;
    width: 6px;
    height: 6px;
    background: var(--color-accent);
    border-radius: 50%;
}

.apply-process__cta {
    text-align: center;
    margin-bottom: 48px;
}

.btn--large {
    padding: 18px 40px;
    font-size: 1.05rem;
}

.apply-process__note {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 16px;
    color: var(--color-text-light);
    font-size: 0.9rem;
}

.apply-process__note svg {
    color: var(--color-accent);
}

.apply-process__trust {
    max-width: 800px;
    margin: 0 auto;
}

.trust-note {
    display: flex;
    gap: 20px;
    padding: 24px;
    background: var(--color-bg);
    border-radius: var(--border-radius-sm);
    border: 1px solid var(--color-border);
}

.trust-note__icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    background: var(--color-accent-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
}

.trust-note__content h4 {
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 600;
    color: var(--color-black);
    margin-bottom: 8px;
}

.trust-note__content p {
    color: var(--color-text-light);
    font-size: 0.9rem;
    line-height: 1.7;
    margin: 0;
}

/* Apply Process - Mobile Responsive */
@media (max-width: 900px) {
    .apply-process__grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

@media (max-width: 600px) {
    .apply-process {
        padding: 60px 0;
    }
    
    .process-step {
        padding: 24px;
    }
    
    .process-step__number {
        left: 24px;
    }
    
    .trust-note {
        flex-direction: column;
        text-align: center;
    }
    
    .trust-note__icon {
        margin: 0 auto;
    }
}

/* ============================================
   Utilities
   ============================================ */
.text-center {
    text-align: center;
}

.mb-0 {
    margin-bottom: 0 !important;
}

.mt-32 {
    margin-top: 32px;
}

/* ============================================
   Hero Button Enhancement (index.html)
   ============================================ */
.btn--apply {
    background: linear-gradient(135deg, var(--color-accent) 0%, var(--color-accent-dark) 100%);
    position: relative;
    overflow: hidden;
}

.btn--apply::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
    transition: 0.5s;
}

.btn--apply:hover::before {
    left: 100%;
}

.btn--apply:hover {
    background: linear-gradient(135deg, var(--color-accent-dark) 0%, var(--color-accent) 100%);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(95, 110, 90, 0.35);
}