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

        :root {
            --primary: #00a0ae;
            --secondary: #05464c;
            --accent: #000;
            --light-blue: #e7f3ff;
            --text-dark: #2c3e50;
            --text-light: #6c757d;
            --white: #ffffff;
            --gray: #f8f9fa;
        }

        body {
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
            line-height: 1.6;
            color: var(--text-dark);
        }

        /* Header */
        header {
            background: var(--white);
            box-shadow: 0 2px 10px rgba(0,0,0,0.1);
            position: fixed;
            width: 100%;
            top: 0;
            z-index: 1000;
        }

        nav {
            max-width: 1200px;
            margin: 0 auto;
            padding: 1rem 2rem;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }

        .logo {
            font-size: 1.8rem;
            font-weight: bold;
            color: var(--primary);
            display: flex;
            align-items: center;
            gap: 0.5rem;
        }

        .logo::before {
            content: '🏦';
            font-size: 1.5rem;
        }

        .nav-links {
            display: flex;
            gap: 2.5rem;
            list-style: none;
        }

        .nav-links a {
            text-decoration: none;
            color: var(--text-dark);
            font-weight: 500;
            transition: color 0.3s;
            position: relative;
        }

        .nav-links a::after {
            content: '';
            position: absolute;
            bottom: -5px;
            left: 0;
            width: 0;
            height: 2px;
            background: var(--primary);
            transition: width 0.3s;
        }

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

        .nav-links a:hover::after {
            width: 100%;
        }

        .cta-button {
            background: var(--primary);
            color: var(--white);
            padding: 0.75rem 2rem;
            border-radius: 5px;
            text-decoration: none;
            font-weight: 600;
            transition: all 0.3s;
            box-shadow: 0 2px 5px rgba(0, 160, 174,0.3);
        }

        .cta-button:hover {
            background: var(--secondary);
            transform: translateY(-2px);
            box-shadow: 0 4px 10px rgba(0, 160, 174,0.4);
        }

        /* Hero */
        .hero {
            margin-top: 80px;
            background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
            color: var(--white);
            padding: 6rem 2rem;
            position: relative;
            overflow: hidden;
        }

        .hero::before {
            content: '';
            position: absolute;
            top: 0;
            right: 0;
            width: 50%;
            height: 100%;
            background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><rect fill="%23ffffff" fill-opacity="0.05" x="0" y="0" width="50" height="50"/><rect fill="%23ffffff" fill-opacity="0.05" x="50" y="50" width="50" height="50"/></svg>');
            background-size: 100px 100px;
        }

        .hero-content {
            max-width: 1200px;
            margin: 0 auto;
            position: relative;
            z-index: 1;
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 4rem;
            align-items: center;
        }

        .hero h1 {
            font-size: 3.5rem;
            margin-bottom: 1.5rem;
            animation: slideInLeft 0.8s ease;
        }

        @keyframes slideInLeft {
            from {
                opacity: 0;
                transform: translateX(-50px);
            }
            to {
                opacity: 1;
                transform: translateX(0);
            }
        }

        .hero p {
            font-size: 1.3rem;
            margin-bottom: 2rem;
            opacity: 0.95;
            animation: slideInLeft 0.8s ease 0.2s both;
        }

        .hero-buttons {
            display: flex;
            gap: 1rem;
            animation: slideInLeft 0.8s ease 0.4s both;
        }

        .hero-image {
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 10rem;
            opacity: 0.1;
            animation: float 3s ease-in-out infinite;
        }

        @keyframes float {
            0%, 100% { transform: translateY(0); }
            50% { transform: translateY(-20px); }
        }

        /* Sections */
        section {
            padding: 5rem 2rem;
            max-width: 100%;
            margin: 0 auto;
        }

        .section-title {
            font-size: 2.5rem;
            text-align: center;
            margin-bottom: 3rem;
            color: var(--text-dark);
            position: relative;
        }

        .section-title::after {
            content: '';
            position: absolute;
            bottom: -10px;
            left: 50%;
            transform: translateX(-50%);
            width: 80px;
            height: 3px;
            background: var(--primary);
        }

        /* About */
        .about {
            background: var(--gray);
            border-radius: 10px;
            margin: 2rem auto;
        }

        .about-content {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 3rem;
            align-items: center;
        }

        .about-text {
            font-size: 1.1rem;
            line-height: 1.8;
            color: var(--text-light);
        }

        .about-stats {
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 2rem;
            margin-top: 2rem;
        }

        .stat-item {
            text-align: center;
            padding: 1.5rem;
            background: var(--white);
            border-radius: 8px;
            box-shadow: 0 2px 5px rgba(0,0,0,0.1);
        }

        .stat-number {
            font-size: 2rem;
            font-weight: bold;
            color: var(--primary);
        }

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

        /* Services */
        .services-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 2rem;
        }

        .service-card {
            background: var(--white);
            padding: 2rem;
            border-radius: 10px;
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
            transition: all 0.3s;
            border-top: 4px solid var(--primary);
        }

        .service-card:hover {
            transform: translateY(-5px);
            box-shadow: 0 10px 25px rgba(0,0,0,0.15);
        }

        .service-icon {
            width: 70px;
            height: 70px;
            background: var(--light-blue);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 2rem;
            margin-bottom: 1.5rem;
            color: var(--primary);
        }

        /* Why Choose Us */
        .features {
            background: var(--light-blue);
            border-radius: 10px;
            margin: 2rem auto;
        }

        .features-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 2rem;
        }

        .feature-item {
            background: var(--white);
            padding: 2rem;
            border-radius: 10px;
            text-align: center;
            transition: all 0.3s;
        }

        .feature-item:hover {
            transform: scale(1.05);
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
        }

        .feature-icon {
            width: 80px;
            height: 80px;
            margin: 0 auto 1rem;
            background: linear-gradient(135deg, var(--primary), var(--secondary));
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            color: var(--white);
            font-size: 2rem;
        }

        /* FAQ */
        .faq-container {
            max-width: 800px;
            margin: 0 auto;
        }

        .faq-item {
            background: var(--white);
            margin-bottom: 1rem;
            border-radius: 8px;
            overflow: hidden;
            box-shadow: 0 2px 5px rgba(0,0,0,0.1);
        }

        .faq-question {
            padding: 1.5rem;
            cursor: pointer;
            display: flex;
            justify-content: space-between;
            align-items: center;
            font-weight: 600;
            background: var(--white);
            transition: background 0.3s;
        }

        .faq-question:hover {
            background: var(--light-blue);
        }

        .faq-answer {
            padding: 0 1.5rem;
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.3s, padding 0.3s;
            color: var(--text-light);
        }

        .faq-item.active .faq-answer {
            max-height: 300px;
            padding: 0 1.5rem 1.5rem;
        }

        /* Contact */
        .contact {
            background: var(--gray);
            border-radius: 10px;
            margin: 2rem auto;
        }

        .contact-content {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 3rem;
        }

        .contact-info {
            display: flex;
            flex-direction: column;
            gap: 1.5rem;
        }

        .contact-item {
            display: flex;
            align-items: center;
            gap: 1rem;
            padding: 1rem;
            background: var(--white);
            border-radius: 8px;
            transition: all 0.3s;
        }

        .contact-item:hover {
            transform: translateX(5px);
            box-shadow: 0 2px 10px rgba(0,0,0,0.1);
        }

        .contact-icon {
            width: 50px;
            height: 50px;
            background: var(--primary);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            color: var(--white);
            font-size: 1.2rem;
        }

        /* Testimonials */
        .testimonials-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
            gap: 2rem;
        }

        .testimonial-card {
            background: var(--white);
            padding: 2rem;
            border-radius: 10px;
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
            position: relative;
        }

        .testimonial-card::before {
            content: '"';
            position: absolute;
            top: 1rem;
            left: 1.5rem;
            font-size: 3rem;
            color: var(--primary);
            opacity: 0.2;
        }

        .testimonial-text {
            font-style: italic;
            margin-bottom: 1.5rem;
            color: var(--text-light);
            line-height: 1.6;
        }

        .testimonial-author {
            display: flex;
            align-items: center;
            gap: 1rem;
        }

        .author-avatar {
            width: 50px;
            height: 50px;
            border-radius: 50%;
            background: var(--primary);
            display: flex;
            align-items: center;
            justify-content: center;
            color: var(--white);
            font-weight: bold;
        }

        /* Newsletter */
        .newsletter {
            background: linear-gradient(135deg, var(--primary), var(--secondary));
            color: var(--white);
            padding: 4rem 2rem;
            border-radius: 10px;
            margin: 2rem auto;
        }

        .newsletter-form {
            max-width: 600px;
            margin: 0 auto;
            display: flex;
            flex-direction: column;
            gap: 1.5rem;
        }

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

        .form-group label {
            margin-bottom: 0.5rem;
            font-weight: 500;
        }

        .form-group input {
            padding: 0.75rem;
            border: none;
            border-radius: 5px;
            font-size: 1rem;
        }

        .checkbox-group {
            display: flex;
            align-items: flex-start;
            gap: 0.75rem;
            margin: 1rem 0;
        }

        .checkbox-group input[type="checkbox"] {
            margin-top: 0.25rem;
        }

        .submit-btn {
            background: var(--accent);
            color: var(--white);
            padding: 1rem 2rem;
            border: none;
            border-radius: 5px;
            font-size: 1.1rem;
            font-weight: 600;
            cursor: pointer;
            transition: all 0.3s;
        }

        .submit-btn:hover {
            background: #000;
            transform: translateY(-2px);
        }

        .confirmation-message {
            display: none;
            background: var(--accent);
            padding: 1rem;
            border-radius: 5px;
            margin-top: 1rem;
            animation: slideIn 0.5s ease;
        }

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

        /* Footer */
        footer {
            background: var(--text-dark);
            color: var(--white);
            padding: 3rem 2rem 1.5rem;
        }

        .footer-content {
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 2rem;
            margin-bottom: 2rem;
        }

        .footer-section h3 {
            margin-bottom: 1rem;
            color: var(--primary);
        }

        .footer-links {
            list-style: none;
        }

        .footer-links li {
            margin-bottom: 0.5rem;
        }

        .footer-links a {
            color: #adb5bd;
            text-decoration: none;
            transition: color 0.3s;
        }

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

        .footer-bottom {
            text-align: center;
            padding-top: 2rem;
            border-top: 1px solid #495057;
            color: #adb5bd;
        }

        /* Responsive */
        @media (max-width: 768px) {
            .nav-links {
                display: none;
            }

            .hero-content {
                grid-template-columns: 1fr;
            }

            .hero h1 {
                font-size: 2.5rem;
            }

            .about-content,
            .contact-content {
                grid-template-columns: 1fr;
            }
        }