* {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
            font-family: 'Poppins', sans-serif;
        }

        /* Custom Properties */
        :root {
            --primary: #4361ee;
            --primary-dark: #3a56d4;
            --secondary: #3f37c9;
            --accent: #4cc9f0;
            --success: #4ade80;
            --warning: #fbbf24;
            --danger: #f87171;
            --dark: #1e1e2f;
            --darker: #151523;
            --light: #f8fafc;
            --gray: #64748b;
            --gradient: linear-gradient(135deg, var(--primary), var(--secondary));
            --gradient-hover: linear-gradient(135deg, var(--secondary), var(--primary));
            --shadow-sm: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
            --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
            --shadow-lg: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
            --shadow-colored: 0 20px 30px -10px rgba(67, 97, 238, 0.3);
        }

        body {
            background: #f8fafc;
            color: var(--dark);
            overflow-x: hidden;
        }

        /* Custom Scrollbar */
        ::-webkit-scrollbar {
            width: 10px;
        }

        ::-webkit-scrollbar-track {
            background: #f1f1f1;
        }

        ::-webkit-scrollbar-thumb {
            background: var(--gradient);
            border-radius: 5px;
        }

        ::-webkit-scrollbar-thumb:hover {
            background: var(--gradient-hover);
        }

        /* Navbar Styling */
        .navbar {
            background: rgba(255, 255, 255, 0.95);
            backdrop-filter: blur(10px);
            box-shadow: var(--shadow-sm);
            padding: 15px 0;
            position: sticky;
            top: 0;
            z-index: 1000;
            transition: all 0.3s ease;
        }

        .navbar.scrolled {
            padding: 10px 0;
            background: rgba(255, 255, 255, 0.98);
            box-shadow: var(--shadow-md);
        }

        .navbar-brand {
            font-size: 1.6rem;
            font-weight: 800;
            background: var(--gradient);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
            letter-spacing: -0.5px;
            position: relative;
        }

        .navbar-nav .nav-link {
            color: var(--dark) !important;
            font-weight: 500;
            padding: 8px 16px !important;
            margin: 0 4px;
            border-radius: 8px;
            transition: all 0.3s ease;
            position: relative;
        }

        .navbar-nav .nav-link::before {
            content: '';
            position: absolute;
            bottom: 0;
            left: 50%;
            transform: translateX(-50%);
            width: 0;
            height: 2px;
            background: var(--gradient);
            transition: width 0.3s ease;
        }

        .navbar-nav .nav-link:hover::before,
        .navbar-nav .nav-link.active::before {
            width: 30px;
        }

        .navbar-nav .nav-link:hover,
        .navbar-nav .nav-link.active {
            color: var(--primary) !important;
            background: rgba(67, 97, 238, 0.05);
        }

        .navbar-toggler {
            border: none;
            background: var(--gradient);
            padding: 10px 12px;
            border-radius: 10px;
        }

        .navbar-toggler:focus {
            box-shadow: none;
        }

        .navbar-toggler-icon {
            background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(255, 255, 255, 1)' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
        }

        /* Page Header */
        .page-header {
            background: linear-gradient(135deg, rgba(67, 97, 238, 0.1) 0%, rgba(63, 55, 201, 0.1) 100%);
            padding: 60px 0;
            margin-bottom: 40px;
            position: relative;
            overflow: hidden;
        }

        .page-header::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -50%;
            width: 200%;
            height: 200%;
            background: radial-gradient(circle, rgba(67, 97, 238, 0.05) 0%, transparent 70%);
            animation: rotate 20s linear infinite;
        }

        .page-header h1 {
            font-size: 3rem;
            font-weight: 800;
            background: var(--gradient);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
            margin-bottom: 10px;
            position: relative;
        }

        .page-header .effective-date {
            color: var(--gray);
            font-weight: 500;
            position: relative;
        }

        @keyframes rotate {
            from { transform: rotate(0deg); }
            to { transform: rotate(360deg); }
        }

        /* Main Content Card */
        .offer-card {
            background: white;
            border-radius: 30px;
            border: none;
            box-shadow: var(--shadow-lg);
            overflow: hidden;
            margin-bottom: 60px;
        }

        .offer-card .card-body {
            padding: 50px;
        }

        /* Policy Sections */
        .policy-section {
            scroll-margin-top: 100px;
            transition: all 0.3s ease;
        }

        .policy-section:not(:last-child) {
            border-bottom: 2px solid rgba(67, 97, 238, 0.1);
            margin-bottom: 30px;
            padding-bottom: 30px;
        }

        .policy-section h2 {
            font-size: 1.8rem;
            font-weight: 700;
            color: var(--dark);
            margin-bottom: 20px;
            position: relative;
            padding-bottom: 10px;
        }

        .policy-section h2::after {
            content: '';
            position: absolute;
            left: 0;
            bottom: 0;
            width: 60px;
            height: 3px;
            background: var(--gradient);
            border-radius: 2px;
        }

        .policy-section p {
            color: var(--gray);
            line-height: 1.8;
            margin-bottom: 15px;
        }

        .policy-section ul, 
        .policy-section ol {
            color: var(--gray);
            line-height: 1.8;
            padding-left: 20px;
        }

        .policy-section li {
            margin-bottom: 8px;
        }

        .policy-section ol li {
            margin-bottom: 12px;
        }

        /* Highlight Important Text */
        .highlight {
            background: linear-gradient(135deg, rgba(67, 97, 238, 0.1) 0%, rgba(63, 55, 201, 0.1) 100%);
            padding: 20px;
            border-radius: 16px;
            margin: 20px 0;
            border-left: 4px solid var(--primary);
        }

        .highlight p {
            margin-bottom: 0;
        }

        /* Steps Container */
        .steps-container {
            background: linear-gradient(135deg, rgba(67, 97, 238, 0.02) 0%, rgba(63, 55, 201, 0.02) 100%);
            border-radius: 20px;
            padding: 25px;
            margin: 20px 0;
        }

        .step-item {
            display: flex;
            align-items: center;
            gap: 15px;
            margin-bottom: 15px;
        }

        .step-number {
            width: 30px;
            height: 30px;
            background: var(--gradient);
            color: white;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: 600;
            font-size: 14px;
            flex-shrink: 0;
        }

        /* Footer */
        .footer {
            background: linear-gradient(135deg, var(--dark) 0%, var(--darker) 100%);
            color: #ffffff;
            position: relative;
            overflow: hidden;
            margin-top: 0;
        }

        .footer::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 4px;
            background: var(--gradient);
        }

        .footer::after {
            content: '';
            position: absolute;
            top: -50%;
            right: -50%;
            width: 200%;
            height: 200%;
            background: radial-gradient(circle, rgba(67, 97, 238, 0.1) 0%, transparent 70%);
            animation: rotate 20s linear infinite;
        }

        .footer-title {
            font-size: 1.5rem;
            font-weight: 700;
            margin-bottom: 1.8rem;
            position: relative;
            display: inline-block;
        }

        .footer-title::after {
            content: '';
            position: absolute;
            left: 0;
            bottom: -10px;
            width: 100%;
            height: 3px;
            background: var(--gradient);
            border-radius: 2px;
        }

        .footer-links {
            list-style: none;
            padding: 0;
        }

        .footer-links li {
            margin-bottom: 1rem;
            position: relative;
            z-index: 1;
        }

        .footer-links a {
            color: #b4b6bb;
            text-decoration: none;
            transition: all 0.3s ease;
            display: inline-block;
            position: relative;
            padding-left: 0;
        }

        .footer-links a:hover {
            color: #ffffff;
            padding-left: 10px;
            transform: translateX(5px);
        }

        .footer-links a i {
            margin-right: 8px;
            opacity: 0;
            transition: all 0.3s ease;
        }

        .footer-links a:hover i {
            opacity: 1;
            margin-right: 12px;
        }

        .footer-bottom {
            background: rgba(0,0,0,0.3);
            position: relative;
            z-index: 1;
            backdrop-filter: blur(10px);
        }

        /* Back to Top Button */
        .back-to-top {
            position: fixed;
            bottom: 30px;
            right: 30px;
            width: 50px;
            height: 50px;
            background: var(--gradient);
            color: white;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 20px;
            cursor: pointer;
            opacity: 0;
            visibility: hidden;
            transition: all 0.3s ease;
            z-index: 999;
            border: none;
            box-shadow: var(--shadow-colored);
        }

        .back-to-top.show {
            opacity: 1;
            visibility: visible;
        }

        .back-to-top:hover {
            transform: translateY(-5px) scale(1.1);
        }

        /* Loading Animation */
        .loading {
            position: fixed;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            background: white;
            display: flex;
            align-items: center;
            justify-content: center;
            z-index: 9999;
            transition: opacity 0.5s ease;
        }

        .loading.hide {
            opacity: 0;
            pointer-events: none;
        }

        .loader {
            width: 50px;
            height: 50px;
            border: 3px solid #f3f3f3;
            border-top: 3px solid var(--primary);
            border-radius: 50%;
            animation: spin 1s linear infinite;
        }

        @keyframes spin {
            0% { transform: rotate(0deg); }
            100% { transform: rotate(360deg); }
        }

        /* Responsive */
        @media (max-width: 768px) {
            .page-header h1 {
                font-size: 2.2rem;
            }
            
            .offer-card .card-body {
                padding: 25px;
            }
            
            .policy-section h2 {
                font-size: 1.5rem;
            }
            
            .step-item {
                flex-direction: column;
                align-items: flex-start;
                gap: 8px;
            }
        }

        /* Print Styles */
        @media print {
            .navbar,
            .footer,
            .back-to-top,
            .loading {
                display: none;
            }
            
            .offer-card {
                box-shadow: none;
            }
        }