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

:root {
    --primary-blue: #0056b3;
    --secondary-blue: #007bff;
    --light-blue: #e3f2fd;
    --dark-blue: #003d7a;
    --text-dark: #333333;
    --text-light: #666666;
    --white: #ffffff;
    --light-gray: #f5f5f5;
    --border-color: #dee2e6;
    --success-green: #28a745;
    --warning-yellow: #ffc107;
    --shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 4px 16px rgba(0, 0, 0, 0.15);
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    line-height: 1.6;
    color: var(--text-dark);
    background-color: var(--white);
    font-size: 16px;
}

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

.section {
    padding: 50px 0;
}

header {
    background: var(--white);
    box-shadow: var(--shadow);
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 3px solid var(--primary-blue);
}

nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 15px 0;
}

.logo {
    font-size: 22px;
    font-weight: 700;
    color: var(--primary-blue);
    text-decoration: none;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.menu-toggle {
    display: none;
    background: var(--primary-blue);
    color: var(--white);
    border: none;
    padding: 10px 15px;
    font-size: 16px;
    cursor: pointer;
    border-radius: 4px;
    transition: background 0.3s ease;
}

.menu-toggle:hover {
    background: var(--dark-blue);
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 25px;
}

.nav-links a {
    color: var(--text-dark);
    text-decoration: none;
    font-weight: 500;
    transition: color 0.3s ease;
    padding: 8px 12px;
    border-radius: 4px;
}

.nav-links a:hover {
    color: var(--primary-blue);
    background: var(--light-blue);
}

.hero {
    background: linear-gradient(135deg, var(--primary-blue), var(--secondary-blue));
    color: var(--white);
    padding: 60px 0;
    text-align: center;
}

.hero-content {
    max-width: 800px;
    margin: 0 auto;
}

.hero h1 {
    font-size: 42px;
    margin-bottom: 20px;
    font-weight: 700;
}

.hero p {
    font-size: 18px;
    line-height: 1.8;
    opacity: 0.95;
    margin-bottom: 30px;
}

.hero-buttons {
    margin-top: 30px;
}

.check-balance-btn {
    display: inline-block;
    padding: 15px 35px;
    background: linear-gradient(180deg, #0066cc 0%, #0052a3 100%);
    color: var(--white);
    text-decoration: none;
    border-radius: 25px;
    font-size: 18px;
    font-weight: 600;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.2);
    transition: all 0.3s ease;
    border: 2px solid rgba(255, 255, 255, 0.3);
    letter-spacing: 0.5px;
    position: relative;
    overflow: hidden;
}

.check-balance-btn::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: left 0.5s ease;
}

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

.check-balance-btn:hover {
    background: linear-gradient(180deg, #0077ee 0%, #0066cc 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 12px rgba(0, 0, 0, 0.3);
}

.check-balance-btn:active {
    transform: translateY(0);
}

h1 {
    font-size: 32px;
    margin-bottom: 20px;
    color: var(--primary-blue);
    font-weight: 700;
    text-align: center;
}

h2 {
    font-size: 26px;
    margin-bottom: 15px;
    color: var(--dark-blue);
    font-weight: 600;
    margin-top: 35px;
}

h3 {
    font-size: 20px;
    margin-bottom: 12px;
    color: var(--primary-blue);
    font-weight: 600;
    margin-top: 20px;
}

p {
    margin-bottom: 15px;
    color: var(--text-light);
    line-height: 1.8;
}

ul, ol {
    margin-bottom: 20px;
    margin-left: 25px;
    color: var(--text-light);
}

li {
    margin-bottom: 8px;
    line-height: 1.7;
}

.card-types {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 25px;
    margin: 40px 0;
}

.card-info {
    background: var(--white);
    border-radius: 8px;
    padding: 25px;
    box-shadow: var(--shadow);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    border: 1px solid var(--border-color);
    border-top: 4px solid var(--primary-blue);
}

.card-info:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.card-info h3 {
    margin-top: 0;
    color: var(--primary-blue);
}

.card-image {
    width: 100%;
    height: auto;
    border-radius: 8px;
    margin-bottom: 15px;
    object-fit: cover;
    display: block;
}

.features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    margin: 40px 0;
}

.feature {
    text-align: center;
    padding: 30px 20px;
    background: var(--light-blue);
    border-radius: 8px;
    transition: all 0.3s ease;
    border: 1px solid rgba(0, 86, 179, 0.1);
}

.feature:hover {
    background: var(--primary-blue);
    color: var(--white);
    transform: translateY(-3px);
}

.feature h3 {
    color: var(--primary-blue);
    margin-top: 0;
}

.feature:hover h3 {
    color: var(--white);
}

.feature:hover p {
    color: var(--white);
}

.safe-practices {
    background: var(--light-blue);
    padding: 50px 0;
}

.practice-item {
    background: var(--white);
    padding: 25px;
    margin: 15px 0;
    border-radius: 8px;
    border-left: 4px solid var(--primary-blue);
    box-shadow: var(--shadow);
}

.warning-box {
    background: #fff3cd;
    border: 2px solid #ffc107;
    padding: 20px;
    border-radius: 8px;
    margin: 20px 0;
}

.warning-box h3 {
    color: #856404;
}

.warning-box ul {
    color: #856404;
}

.steps {
    counter-reset: step;
}

.step {
    background: var(--white);
    padding: 30px;
    margin: 20px 0;
    border-radius: 8px;
    box-shadow: var(--shadow);
    position: relative;
    padding-left: 70px;
    border-left: 4px solid var(--primary-blue);
}

.step::before {
    counter-increment: step;
    content: counter(step);
    position: absolute;
    left: 20px;
    top: 50%;
    transform: translateY(-50%);
    width: 35px;
    height: 35px;
    background: var(--primary-blue);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 16px;
}

.faq-item {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: 8px;
    margin: 15px 0;
    padding: 25px;
    box-shadow: var(--shadow);
    transition: all 0.3s ease;
}

.faq-item:hover {
    box-shadow: var(--shadow-lg);
    border-color: var(--primary-blue);
}

.faq-question {
    font-weight: 600;
    color: var(--primary-blue);
    margin-bottom: 12px;
    font-size: 18px;
}

.contact-section {
    background: linear-gradient(135deg, var(--dark-blue), var(--primary-blue));
    color: var(--white);
    padding: 60px 0;
}

.contact-section h1,
.contact-section h2,
.contact-section h3,
.contact-section p,
.contact-section li {
    color: var(--white);
}

.contact-section h2 {
    color: var(--white);
}

.contact-section h3 {
    color: var(--white);
}

.contact-card {
    background: rgba(255, 255, 255, 0.1);
    padding: 25px;
    border-radius: 8px;
    margin: 15px 0;
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
}

footer {
    background: var(--dark-blue);
    color: var(--white);
    padding: 50px 0 30px;
    margin-top: 60px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
    margin-bottom: 30px;
}

.footer-section h4 {
    color: var(--white);
    margin-bottom: 15px;
    font-size: 18px;
    font-weight: 600;
    border-bottom: 2px solid var(--secondary-blue);
    padding-bottom: 10px;
}

.footer-section p,
.footer-section a {
    color: rgba(255, 255, 255, 0.9);
    line-height: 1.8;
    text-decoration: none;
    font-size: 15px;
}

.footer-section a:hover {
    color: var(--white);
    text-decoration: underline;
}

.footer-section ul {
    list-style: none;
    margin-left: 0;
}

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

.disclaimer {
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    padding-top: 25px;
    text-align: center;
    font-size: 13px;
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.7;
}

@media (max-width: 768px) {
    .menu-toggle {
        display: block;
    }
    
    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 20px;
        gap: 10px;
        box-shadow: var(--shadow-lg);
        border-top: 1px solid var(--border-color);
    }
    
    .nav-links.active {
        display: flex;
    }
    
    .nav-links a {
        padding: 12px 15px;
        border-radius: 4px;
    }
    
    .nav-links a:hover {
        background: var(--light-blue);
    }
    
    .hero h1 {
        font-size: 32px;
    }
    
    .hero p {
        font-size: 16px;
    }
    
    h1 {
        font-size: 26px;
    }
    
    h2 {
        font-size: 22px;
    }
    
    h3 {
        font-size: 18px;
    }
    
    .card-types,
    .features {
        grid-template-columns: 1fr;
    }
    
    .step {
        padding: 25px;
        padding-left: 60px;
    }
    
    .section {
        padding: 40px 0;
    }
    
    .container {
        padding: 0 15px;
    }
    
    .check-balance-btn {
        padding: 12px 25px;
        font-size: 16px;
    }
}

@media (max-width: 480px) {
    .hero {
        padding: 45px 0;
    }
    
    .hero h1 {
        font-size: 26px;
    }
    
    h1 {
        font-size: 22px;
    }
    
    h2 {
        font-size: 20px;
    }
    
    .step {
        padding: 20px;
        padding-left: 50px;
    }
    
    .step::before {
        width: 30px;
        height: 30px;
        font-size: 14px;
        left: 15px;
    }
    
    .logo {
        font-size: 18px;
    }
    
    .menu-toggle {
        padding: 8px 12px;
        font-size: 14px;
    }
    
    .check-balance-btn {
        padding: 10px 20px;
        font-size: 15px;
        border-radius: 20px;
    }
}

@media print {
    header,
    footer,
    .hero {
        display: none;
    }
    
    .section {
        page-break-inside: avoid;
    }
    
    .card-info,
    .step,
    .faq-item {
        break-inside: avoid;
    }
}

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    border: 0;
}

a:focus,
button:focus {
    outline: 2px solid var(--primary-blue);
    outline-offset: 2px;
}

.content-wrapper {
    opacity: 0;
    animation: fadeIn 0.5s ease-in forwards;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.button-link {
    display: inline-block;
    padding: 12px 24px;
    background: var(--primary-blue);
    color: var(--white);
    text-decoration: none;
    border-radius: 4px;
    font-weight: 600;
    transition: all 0.3s ease;
    margin-top: 10px;
}

.button-link:hover {
    background: var(--dark-blue);
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}