:root {
            --primary: #00a8f3;
            --primary-dark: #00377b;
            --secondary: #00b3ff;
            --dark-bg: #101d29;
            --light-bg: #f5f5f5;
            --text-dark: #29293a;
            --text-light: #666;
            --border: #e0e0e0;
        }

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

        body {
            font-family: 'Open Sans', sans-serif;
            color: var(--text-dark);
            line-height: 1.6;
        }

        /* Hero Section */
        .hero-section {
            min-height: 100vh;
            display: flex;
            align-items: center;
            background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
            color: white;
            padding: 60px 20px;
            text-align: center;
            position: relative;
            overflow: hidden;
        }

        .hero-section::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            bottom: 0;
            background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1200 600"><defs><pattern id="dots" x="0" y="0" width="100" height="100" patternUnits="userSpaceOnUse"><circle cx="50" cy="50" r="2" fill="rgba(255,255,255,0.1)"/></pattern></defs><rect width="1200" height="600" fill="url(%23dots)"/></svg>');
            opacity: 0.5;
        }

        .hero-content {
            max-width: 700px;
            margin: 0 auto;
            position: relative;
            z-index: 1;
        }

        .hero-section h1 {
            font-size: 3.5rem;
            font-weight: 700;
            margin-bottom: 20px;
            line-height: 1.2;
            font-family: 'Rouge Script', cursive;
            letter-spacing: -1px;
        }

        .hero-section .subtitle {
            font-size: 1.25rem;
            margin-bottom: 15px;
            opacity: 0.95;
            font-weight: 300;
        }

        .hero-section .author {
            font-size: 1rem;
            margin-bottom: 40px;
            opacity: 0.9;
            font-weight: 400;
        }

        .cta-button {
            display: inline-block;
            padding: 15px 45px;
            background-color: white;
            color: var(--primary);
            text-decoration: none;
            border-radius: 50px;
            font-weight: 600;
            font-size: 1.1rem;
            transition: all 0.3s ease;
            box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
            border: 2px solid white;
        }

        .cta-button:hover {
            background-color: var(--secondary);
            color: white;
            transform: translateY(-3px);
            box-shadow: 0 15px 40px rgba(0, 0, 0, 0.3);
        }

        /* Guided Paths Section */
        .paths-section {
            padding: 80px 20px;
            background-color: var(--light-bg);
        }

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

        .section-title {
            text-align: center;
            font-size: 2.5rem;
            color: var(--text-dark);
            margin-bottom: 60px;
            font-weight: 700;
        }

        .paths-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 30px;
            margin-bottom: 40px;
        }

        .path-card {
            background: white;
            padding: 40px 30px;
            border-radius: 12px;
            text-align: center;
            transition: all 0.3s ease;
            box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
            border-left: 4px solid transparent;
            text-decoration: none;
            color: inherit;
            display: flex;
            flex-direction: column;
            justify-content: space-between;
            min-height: 280px;
        }

        .path-card:hover {
            transform: translateY(-8px);
            box-shadow: 0 12px 24px rgba(0, 0, 0, 0.15);
            border-left-color: var(--primary);
        }

        .path-card h3 {
            font-size: 1.4rem;
            color: var(--primary);
            margin-bottom: 20px;
            font-weight: 700;
        }

        .path-card p {
            color: var(--text-light);
            font-size: 0.95rem;
            line-height: 1.6;
            flex-grow: 1;
        }

        .path-card-icon {
            font-size: 3rem;
            margin-bottom: 20px;
            height: 60px;
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .path-card:nth-child(1) { --accent: #FF6B6B; }
        .path-card:nth-child(2) { --accent: #4ECDC4; }
        .path-card:nth-child(3) { --accent: #45B7D1; }
        .path-card:nth-child(4) { --accent: #FFA502; }

        .path-card:nth-child(1):hover .path-card-icon { color: var(--accent); }
        .path-card:nth-child(2):hover .path-card-icon { color: var(--accent); }
        .path-card:nth-child(3):hover .path-card-icon { color: var(--accent); }
        .path-card:nth-child(4):hover .path-card-icon { color: var(--accent); }

        /* Credibility Section */
        .credibility-section {
            padding: 80px 20px;
            background-color: white;
        }

        .credibility-content {
            max-width: 700px;
            margin: 0 auto;
            text-align: center;
        }

        .credibility-section h2 {
            font-size: 2rem;
            color: var(--text-dark);
            margin-bottom: 30px;
            font-weight: 700;
        }

        .credibility-section p {
            font-size: 1.1rem;
            color: var(--text-light);
            line-height: 1.8;
            margin-bottom: 30px;
        }

        .credentials-badge {
            display: inline-block;
            background-color: var(--light-bg);
            padding: 20px 30px;
            border-radius: 8px;
            margin-top: 20px;
            font-weight: 600;
            color: var(--primary);
            border-left: 4px solid var(--primary);
        }

        /* Secondary CTA */
        .secondary-cta-section {
            padding: 60px 20px;
            background-color: var(--light-bg);
            text-align: center;
        }

        .secondary-cta {
            padding: 12px 35px;
            background-color: var(--primary);
            color: white;
            text-decoration: none;
            border-radius: 50px;
            font-weight: 600;
            font-size: 1rem;
            transition: all 0.3s ease;
            display: inline-block;
            border: 2px solid var(--primary);
        }

        .secondary-cta:hover {
            background-color: var(--primary-dark);
            border-color: var(--primary-dark);
            transform: translateY(-2px);
        }

        /* Responsive */
        @media (max-width: 768px) {
            .hero-section {
                min-height: 70vh;
                padding: 40px 20px;
            }

            .hero-section h1 {
                font-size: 2.2rem;
            }

            .hero-section .subtitle {
                font-size: 1.05rem;
            }

            .section-title {
                font-size: 1.8rem;
                margin-bottom: 40px;
            }

            .paths-grid {
                gap: 20px;
            }

            .path-card {
                padding: 30px 20px;
                min-height: 250px;
            }

            .path-card h3 {
                font-size: 1.2rem;
            }

            .cta-button {
                padding: 12px 35px;
                font-size: 1rem;
            }

            .credibility-section p {
                font-size: 1rem;
            }
        }

        @media (max-width: 480px) {
            .hero-section {
                min-height: auto;
                padding: 30px 15px;
            }

            .hero-section h1 {
                font-size: 1.8rem;
                margin-bottom: 15px;
            }

            .hero-section .subtitle {
                font-size: 0.95rem;
                margin-bottom: 10px;
            }

            .cta-button {
                padding: 10px 30px;
                font-size: 0.95rem;
            }

            .paths-section {
                padding: 50px 15px;
            }

            .section-title {
                font-size: 1.5rem;
                margin-bottom: 30px;
            }

            .path-card {
                padding: 25px 15px;
                min-height: auto;
            }

            .path-card h3 {
                font-size: 1.1rem;
                margin-bottom: 15px;
            }

            .path-card p {
                font-size: 0.9rem;
            }

            .path-card-icon {
                font-size: 2.5rem;
                margin-bottom: 15px;
            }

            .credibility-section {
                padding: 50px 15px;
            }

            .credibility-section h2 {
                font-size: 1.5rem;
                margin-bottom: 20px;
            }

            .credibility-section p {
                font-size: 0.95rem;
            }

            .credentials-badge {
                padding: 15px 20px;
                font-size: 0.9rem;
            }
        }

        /* Performance optimizations */
        .path-card {
            will-change: transform;
        }

        .cta-button {
            will-change: transform, box-shadow;
        }

.finance-modal {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.6);
    display: none;
    align-items: center;
    justify-content: center;
    z-index: 99999;
}

.finance-modal-content {
    background: #fff;
    max-width: 420px;
    width: 90%;
    padding: 25px;
    border-radius: 10px;
    text-align: center;
    position: relative;
}

.finance-close {
    position: absolute;
    top: 8px;
    right: 10px;

    width: 44px;
    height: 44px;

    font-size: 40px;   /* controls × size */
    line-height: 44px;

    background: #fff;
    border-radius: 50%;
    border: none;

    color: #e00000;
    font-weight: bold;
    cursor: pointer;
}