.page-banner{color:#fff;background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);padding:80px 0;position:relative;overflow:hidden}.page-banner:before{content:"";background:radial-gradient(circle,#ffffff1a 0%,#0000 70%);width:200%;height:200%;animation:20s ease-in-out infinite float;position:absolute;top:-50%;right:-50%}@keyframes float{0%,to{transform:translate(0)rotate(0)}50%{transform:translate(-100px,-100px)rotate(180deg)}}.banner-content{z-index:1;position:relative}.banner-title{margin-bottom:20px;font-size:48px;font-weight:700;animation:.8s fadeInUp}.banner-subtitle{opacity:.95;margin-bottom:30px;font-size:20px;animation:.8s .2s both fadeInUp}.banner-features{flex-wrap:wrap;gap:30px;animation:.8s .4s both fadeInUp;display:flex}.feature-item{align-items:center;gap:10px;font-size:16px;display:flex}.feature-item i{color:gold;font-size:24px}.banner-image{animation:.8s .6s both fadeInRight}@keyframes fadeInUp{0%{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}@keyframes fadeInRight{0%{opacity:0;transform:translate(30px)}to{opacity:1;transform:translate(0)}}.section-padding{padding:80px 0}.section-header{margin-bottom:50px}.section-title{color:var(--text-primary,#333);margin-bottom:15px;font-size:36px;font-weight:700}.section-subtitle{color:var(--text-secondary,#666);font-size:18px}.advantage-card{text-align:center;background:#fff;border-radius:10px;height:100%;padding:30px;transition:transform .3s,box-shadow .3s;box-shadow:0 2px 10px #00000014}.advantage-card:hover{transform:translateY(-5px);box-shadow:0 5px 20px #00000026}.card-icon{background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);border-radius:50%;justify-content:center;align-items:center;width:70px;height:70px;margin:0 auto 20px;display:flex}.card-icon i{color:#fff;font-size:32px}.advantage-card h4{color:var(--text-primary,#333);margin-bottom:15px;font-size:20px;font-weight:600}.advantage-card p{color:var(--text-secondary,#666);line-height:1.6}.tier-card{background:#fff;border-radius:12px;height:100%;padding:30px;transition:transform .3s,box-shadow .3s;position:relative;box-shadow:0 2px 15px #0000001a}.tier-card:hover{transform:translateY(-10px);box-shadow:0 10px 30px #00000026}.tier-header{text-align:center;border-bottom:2px solid var(--border-light,#e0e0e0);margin-bottom:25px;padding-bottom:25px}.tier-badge{border-radius:50%;justify-content:center;align-items:center;width:80px;height:80px;margin:0 auto 20px;font-size:36px;display:flex}.tier-card.gold .tier-badge{color:#6b5b00;background:linear-gradient(135deg,gold,#ffed4e)}.tier-card.silver .tier-badge{color:#555;background:linear-gradient(135deg,silver,#e8e8e8)}.tier-card.bronze .tier-badge{color:#fff;background:linear-gradient(135deg,#cd7f32,#e6a157)}.tier-header h3{margin-bottom:10px;font-size:24px;font-weight:600}.tier-label{background:var(--bg-light,#f8f9fa);color:var(--text-secondary,#666);border-radius:20px;padding:6px 16px;font-size:14px;display:inline-block}.benefit-list{margin:0;padding:0;list-style:none}.benefit-list li{color:var(--text-secondary,#666);align-items:center;gap:10px;padding:10px 0;display:flex}.benefit-list i{color:#28a745;font-size:16px}.tier-requirement{border-top:2px solid var(--border-light,#e0e0e0);text-align:center;color:var(--text-secondary,#666);margin-top:25px;padding-top:25px}.process-timeline{justify-content:space-between;max-width:1000px;margin:0 auto;display:flex;position:relative}.process-step{text-align:center;flex:1;position:relative}.step-number{color:#fff;z-index:2;background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);border-radius:50%;justify-content:center;align-items:center;width:60px;height:60px;margin:0 auto 20px;font-size:24px;font-weight:600;display:flex;position:relative}.step-content h4{color:var(--text-primary,#333);margin-bottom:10px;font-size:18px;font-weight:600}.step-content p{color:var(--text-secondary,#666);font-size:14px}.process-connector{z-index:1;background:linear-gradient(90deg,#667eea 0%,#764ba2 100%);width:100%;height:2px;position:absolute;top:30px;left:50%;transform:translate(-50%)}.application-form{background:#fff;border-radius:15px;padding:40px;box-shadow:0 2px 20px #0000001a}.form-section{border-bottom:2px solid var(--border-light,#e0e0e0);margin-bottom:40px;padding-bottom:40px}.form-section:last-of-type{border-bottom:none}.form-section-title{color:var(--text-primary,#333);align-items:center;gap:10px;margin-bottom:25px;font-size:20px;font-weight:600;display:flex}.form-section-title:before{content:"";background:linear-gradient(#667eea 0%,#764ba2 100%);border-radius:2px;width:4px;height:24px}.form-group{margin-bottom:20px}.form-label{color:var(--text-secondary,#666);margin-bottom:8px;font-size:14px;font-weight:600;display:block}.form-label .required{color:#dc3545;margin-left:4px}.form-control{border:2px solid var(--border-light,#e0e0e0);border-radius:8px;width:100%;padding:12px 15px;font-size:14px;transition:all .3s}.form-control:focus{border-color:#667eea;outline:none;box-shadow:0 0 0 3px #667eea1a}.form-control[type=file]{padding:10px 15px}.form-text{color:var(--text-muted,#999);margin-top:5px;font-size:12px;display:block}.checkbox-group{flex-wrap:wrap;gap:15px;display:flex}.checkbox-label{cursor:pointer;border:2px solid var(--border-light,#e0e0e0);border-radius:25px;align-items:center;gap:8px;padding:8px 15px;transition:all .3s;display:flex}.checkbox-label:hover{background:#667eea0d;border-color:#667eea}.checkbox-label input[type=checkbox]{cursor:pointer;width:18px;height:18px}.checkbox-label input[type=checkbox]:checked+span{color:#667eea;font-weight:600}.terms-agreement{background:var(--bg-light,#f8f9fa);border-radius:10px;padding:20px}.terms-agreement a{color:#667eea;text-decoration:none}.terms-agreement a:hover{text-decoration:underline}.form-actions{margin-top:40px}.form-actions .btn{border-radius:30px;padding:15px 40px;font-size:16px;font-weight:600;transition:all .3s}.form-actions .btn-primary{color:#fff;background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);border:none}.form-actions .btn-primary:hover{transform:translateY(-3px);box-shadow:0 10px 30px #667eea4d}.faq-section{background:var(--bg-light,#f8f9fa)}.accordion-item{border:none;border-radius:10px;margin-bottom:15px;overflow:hidden;box-shadow:0 2px 8px #0000000d}.accordion-button{color:var(--text-primary,#333);box-shadow:none;background:#fff;border:none;padding:20px 25px;font-weight:600}.accordion-button:not(.collapsed){color:#fff;background:linear-gradient(135deg,#667eea 0%,#764ba2 100%)}.accordion-button:focus{box-shadow:none}.accordion-button:after{filter:none}.accordion-button:not(.collapsed):after{filter:brightness(0)invert()}.accordion-body{color:var(--text-secondary,#666);background:#fff;padding:20px 25px;line-height:1.6}.contact-section{background:var(--bg-light,#f8f9fa)}.contact-info{flex-wrap:wrap;justify-content:center;gap:30px;display:flex}.contact-item{color:var(--text-secondary,#666);align-items:center;gap:10px;font-size:16px;display:flex}.contact-item i{color:#667eea;font-size:20px}@media (width<=992px){.banner-title{font-size:36px}.banner-subtitle{font-size:18px}.process-timeline{flex-direction:column;gap:30px}.process-connector{display:none}.process-step:after{content:"";background:linear-gradient(#667eea 0%,#764ba2 100%);width:2px;height:30px;position:absolute;top:60px;left:50%;transform:translate(-50%)}.process-step:last-child:after{display:none}}@media (width<=768px){.section-padding{padding:60px 0}.section-title{font-size:28px}.banner-title{font-size:32px}.banner-features{flex-direction:column;gap:15px}.application-form{padding:25px 20px}.contact-info{flex-direction:column;align-items:center;gap:15px}}@media (width<=576px){.banner-title{font-size:28px}.banner-subtitle{font-size:16px}.section-title{font-size:24px}.section-subtitle{font-size:16px}.checkbox-group{flex-direction:column}.form-actions .btn{width:100%;margin-bottom:10px}}