.hero{background-color:var(--color-charcoal);color:var(--color-cream);text-align:center;padding:var(--space-4xl) 0;border-bottom:4px solid var(--color-red);position:relative;overflow:hidden}.hero:before{content:"";position:absolute;top:0;left:0;width:100%;height:100%;background-image:var(--noise-texture),radial-gradient(ellipse at 50% 0%,rgba(37,99,235,.12) 0%,transparent 70%);pointer-events:none}.hero>.container{position:relative;z-index:1}.hero h1{font-size:var(--text-5xl);color:var(--color-cream);margin-bottom:var(--space-md);text-transform:uppercase;letter-spacing:.04em;text-shadow:0 0 60px rgba(37,99,235,.2)}.hero-tagline{font-size:var(--text-lg);color:var(--color-cream-dark);max-width:36rem;margin:0 auto var(--space-xl);line-height:var(--leading-relaxed);animation:fadeInUp .4s var(--ease-out-expo) both}.hero-cta{display:inline-block;background-color:var(--color-red);color:var(--color-cream);padding:var(--space-md) var(--space-2xl);font-weight:var(--weight-black);font-size:var(--text-lg);text-transform:uppercase;letter-spacing:.08em;border:3px solid var(--color-red-light);transition:background-color var(--transition-fast),transform var(--transition-fast);animation:fadeInUp .6s var(--ease-out-expo) .4s both,pulseGlow 2s ease-in-out 1.5s infinite}.hero-cta:hover{background-color:var(--color-red-dark);color:var(--color-cream);text-decoration:none;transform:translateY(-2px)}.situations-section{padding:var(--space-2xl) 0;background-color:var(--color-bg-secondary, #f8f5f0);border-bottom:1px solid var(--color-border)}.situations-section h2{text-align:center;margin-bottom:var(--space-xl);color:var(--color-charcoal)}.situations-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-md);max-width:var(--content-width);margin:0 auto}.situation-card{display:flex;align-items:center;justify-content:space-between;gap:var(--space-md);padding:var(--space-lg) var(--space-xl);background:var(--glass-bg);backdrop-filter:var(--glass-blur);-webkit-backdrop-filter:var(--glass-blur);border:var(--glass-border);border-left:4px solid var(--color-red);transition:border-color var(--transition-normal),box-shadow var(--transition-normal),transform var(--transition-normal)}.situation-card:hover{border-color:var(--color-red);box-shadow:var(--shadow-lg);transform:translateY(-2px);text-decoration:none}.situation-text{font-size:var(--text-base, 1rem);font-weight:var(--weight-bold);color:var(--color-charcoal);line-height:var(--leading-normal)}.situation-card:hover .situation-text{color:var(--color-red)}.situation-category{flex-shrink:0;font-size:var(--text-xs);font-weight:var(--weight-bold);text-transform:uppercase;letter-spacing:.08em;color:var(--color-text-muted);padding:var(--space-xs) var(--space-sm);background-color:var(--color-bg-tertiary);border:1px solid var(--color-border)}.categories-section{padding:var(--space-3xl) 0}.categories-section h2{text-align:center;margin-bottom:var(--space-2xl);color:var(--color-charcoal)}.categories-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-xl);max-width:var(--content-width);margin:0 auto}.category-card{border:2px solid var(--color-border);padding:var(--space-xl);text-align:center;background:var(--glass-bg);backdrop-filter:var(--glass-blur);-webkit-backdrop-filter:var(--glass-blur);border:var(--glass-border);border-top:2px solid var(--color-border);transition:border-color var(--transition-normal),box-shadow var(--transition-normal),transform var(--transition-normal),backdrop-filter var(--transition-normal);animation:fadeInUp var(--duration-enter) var(--ease-out-expo) both;animation-delay:calc(var(--card-index, 0) * 80ms)}.category-card--featured{grid-column:span 2;grid-row:span 2}.category-card:hover{border-color:var(--color-red);box-shadow:var(--shadow-lg);transform:translateY(-4px);text-decoration:none;background:#f5e6d0cc}.category-card h3{margin-bottom:var(--space-sm);font-size:var(--text-xl);color:var(--color-charcoal)}.category-card:hover h3{color:var(--color-red)}.category-card p{font-size:var(--text-sm);color:var(--color-text-secondary);line-height:var(--leading-normal);text-transform:none}.category-badge{display:inline-block;margin-top:var(--space-md);font-size:var(--text-xs);font-weight:var(--weight-bold);padding:var(--space-xs) var(--space-md);text-transform:uppercase;letter-spacing:.08em;background-color:var(--color-bg-tertiary);color:var(--color-text-muted);border:1px solid var(--color-border)}.category-badge.available{background-color:var(--color-red);color:var(--color-cream);border-color:var(--color-red-dark)}.how-it-works{background-color:var(--color-charcoal);background-image:var(--noise-texture);color:var(--color-cream);padding:var(--space-3xl) 0;border-top:4px solid var(--color-red)}.how-it-works h2{text-align:center;margin-bottom:var(--space-2xl);color:var(--color-cream)}.steps-list{max-width:var(--content-width);margin:0 auto;display:flex;flex-direction:column;gap:var(--space-xl)}.step-item{display:flex;align-items:flex-start;gap:var(--space-lg);position:relative}.step-item:not(:last-child):after{content:"";position:absolute;left:1.5rem;top:3rem;bottom:calc(-1 * var(--space-lg));width:2px;background:var(--color-red);opacity:.3}.step-number{flex-shrink:0;width:3rem;height:3rem;background-color:var(--color-red);color:var(--color-cream);display:flex;align-items:center;justify-content:center;font-weight:var(--weight-black);font-size:var(--text-xl);border:2px solid var(--color-red-light);transition:transform var(--transition-fast)}.step-item:hover .step-number{transform:scale(1.1)}.step-content h3{font-size:var(--text-lg);margin-bottom:var(--space-xs);color:var(--color-cream)}.step-content p{color:var(--color-cream-dark);font-size:var(--text-sm);text-transform:none;font-weight:var(--weight-normal);letter-spacing:normal}.legal-overview{padding:var(--space-2xl) 0;background-color:var(--color-bg-secondary, #f8f5f0);border-bottom:1px solid var(--color-border)}.legal-overview h2{text-align:center;margin-bottom:var(--space-xl);color:var(--color-charcoal)}.legal-overview-content{max-width:var(--content-width);margin:0 auto;line-height:var(--leading-relaxed)}.legal-overview-content p{margin-bottom:var(--space-md);font-size:var(--text-base, 1rem);color:var(--color-text-secondary);text-transform:none;font-weight:var(--weight-normal);letter-spacing:normal}.legal-overview-content p:last-child{margin-bottom:0}@media(max-width:768px){.hero{padding:var(--space-2xl) 0}.hero-cta{padding:var(--space-sm) var(--space-xl)}.situations-grid{grid-template-columns:1fr}.categories-grid{grid-template-columns:1fr 1fr;gap:var(--space-md)}.category-card--featured{grid-column:span 2;grid-row:span 1}}@media(max-width:480px){.hero{padding:var(--space-xl) 0}.hero-cta{padding:var(--space-sm) var(--space-lg);width:100%;text-align:center}.categories-section{padding:var(--space-xl) 0}.categories-grid{grid-template-columns:1fr;gap:var(--space-md)}.category-card--featured{grid-column:span 1}.category-card{padding:var(--space-lg)}.how-it-works{padding:var(--space-xl) 0}.step-item{gap:var(--space-md)}.step-number{width:2.5rem;height:2.5rem}}