:root {
    --bmo-blue: #0079C1;
    --bmo-dark-blue: #005080;
    --bmo-red: #E5173F;
    --bmo-dark-red: #B81232;
    --brand-dark: #1E1E1E;
    --brand-light: #F4F6F8;
    --brand-white: #FFFFFF;
    
    --glass-bg: rgba(255, 255, 255, 0.94);
    --glass-border: rgba(0, 121, 193, 0.15);
    
    --text-main: #2D3748;
    --text-muted: #4A5568;
    --border-subtle: #EDF2F7;
    
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.06);
    --shadow-lg: 0 15px 35px rgba(0,0,0,0.08);
    
    --header-height: 84px;
    --container-width: 1140px;
    --radius-md: 8px;
    --radius-lg: 16px;
    --transition: all 0.3s ease;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    -webkit-font-smoothing: antialiased;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    color: var(--text-main);
    line-height: 1.6;
    background-color: #FAFCFF;
    scroll-behavior: smooth;
    font-size: 16px;
}

.container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 24px;
}

/* Header */
.header {
    height: var(--header-height);
    background: var(--brand-white);
    border-bottom: 1px solid var(--border-subtle);
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    display: flex;
    align-items: center;
    transition: var(--transition);
}

.header.scrolled {
    background: var(--glass-bg);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: var(--shadow-sm);
}

.header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

.logo {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--bmo-blue);
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 12px;
    letter-spacing: -0.5px;
}

.logo-icon {
    width: 36px;
    height: 36px;
    background: var(--bmo-blue);
    border-radius: 50%;
    position: relative;
    overflow: hidden;
}

.logo-icon::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 48%;
    background: var(--bmo-red);
}

.nav {
    display: flex;
    gap: 32px;
    align-items: center;
}

.nav-link {
    text-decoration: none;
    color: var(--text-muted);
    font-weight: 600;
    font-size: 0.95rem;
    transition: var(--transition);
}

.nav-link:hover {
    color: var(--bmo-blue);
}

.btn-primary {
    padding: 10px 24px;
    background: var(--bmo-red);
    color: var(--brand-white);
    border-radius: var(--radius-md);
    text-decoration: none;
    font-weight: 600;
    font-size: 0.95rem;
    transition: var(--transition);
    border: none;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.btn-primary:hover {
    background: var(--bmo-dark-red);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(229, 23, 63, 0.3);
}

.btn-outline {
    padding: 9px 23px;
    background: transparent;
    color: var(--bmo-blue);
    border: 2px solid var(--bmo-blue);
    border-radius: var(--radius-md);
    text-decoration: none;
    font-weight: 600;
    font-size: 0.95rem;
    transition: var(--transition);
}

.btn-outline:hover {
    background: rgba(0, 121, 193, 0.05);
}

/* Page Structure */
main {
    padding-top: calc(var(--header-height) + 50px);
}

/* Hero Section */
.hero {
    background: var(--brand-white);
    padding: 80px 0 100px;
    position: relative;
    overflow: hidden;
    border-bottom: 1px solid var(--border-subtle);
}

.hero::after {
    content: '';
    position: absolute;
    top: 0; right: 0;
    width: 45%; height: 100%;
    background: linear-gradient(135deg, rgba(0,121,193,0.05) 0%, rgba(0,121,193,0) 100%);
    z-index: 1;
}

.hero .container {
    position: relative;
    z-index: 2;
    max-width: 800px;
    margin: 0 auto;
    text-align: center;
}

.hero h1 {
    font-size: 3.2rem;
    font-weight: 800;
    color: var(--bmo-blue);
    line-height: 1.15;
    margin-bottom: 24px;
    letter-spacing: -1px;
}

.hero p {
    font-size: 1.25rem;
    color: var(--text-muted);
    margin-bottom: 36px;
    line-height: 1.5;
}

.hero-actions {
    display: flex;
    justify-content: center;
    gap: 16px;
}

/* Content Blocks */
article {
    max-width: 840px;
    margin: 80px auto;
}

h2 {
    font-size: 2.2rem;
    color: var(--brand-dark);
    margin-bottom: 24px;
    margin-top: 60px;
    letter-spacing: -0.5px;
}

h3 {
    font-size: 1.5rem;
    color: var(--bmo-blue);
    margin-bottom: 16px;
    margin-top: 40px;
}

article p {
    font-size: 1.05rem;
    margin-bottom: 24px;
    color: var(--text-main);
}

article ul {
    margin-bottom: 24px;
    padding-left: 20px;
}

article li {
    margin-bottom: 10px;
    font-size: 1.05rem;
}

/* UI Components */
.info-box {
    background: #F0F7FA;
    border-left: 4px solid var(--bmo-blue);
    padding: 24px 32px;
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    margin: 40px 0;
}

.info-box h4 {
    color: var(--bmo-blue);
    font-size: 1.1rem;
    margin-bottom: 8px;
}

.grid-3 {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 32px;
    margin: 60px 0;
}

.feature-card {
    background: var(--brand-white);
    border: 1px solid var(--border-subtle);
    padding: 40px 32px;
    border-radius: var(--radius-lg);
    transition: var(--transition);
    text-align: center;
}

.feature-card:hover {
    box-shadow: var(--shadow-md);
    border-color: var(--bmo-blue);
    transform: translateY(-4px);
}

.icon-wrapper {
    width: 64px;
    height: 64px;
    background: rgba(0, 121, 193, 0.08);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    font-size: 1.8rem;
    color: var(--bmo-blue);
}

.feature-card h3 {
    margin-top: 0;
    font-size: 1.25rem;
    color: var(--brand-dark);
}

.feature-card p {
    font-size: 0.95rem;
    color: var(--text-muted);
    margin-bottom: 0;
}

/* FAQ Accordion Grid */
.faq-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
    margin-top: 40px;
}

.faq-item {
    background: var(--brand-white);
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-md);
    padding: 24px;
    cursor: pointer;
    transition: var(--transition);
}

.faq-item:hover {
    box-shadow: var(--shadow-sm);
    border-color: rgba(0,121,193,0.3);
}

.faq-item summary {
    font-weight: 700;
    color: var(--brand-dark);
    font-size: 1.1rem;
    list-style: none;
    outline: none;
    position: relative;
    padding-right: 30px;
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary::after {
    content: '+';
    position: absolute;
    right: 0; top: 0;
    color: var(--bmo-blue);
    font-size: 1.4rem;
    line-height: 1;
}

.faq-item[open] summary::after {
    content: '−';
}

.faq-item p {
    margin-top: 16px;
    margin-bottom: 0;
    color: var(--text-muted);
    font-size: 1rem;
}

/* Footer Matrix */
.footer {
    background: var(--brand-dark);
    color: #A0AEC0;
    padding: 80px 0 40px;
    margin-top: 80px;
}

.footer-matrix {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 48px;
}

.footer-col h4 {
    color: var(--brand-white);
    font-size: 1.05rem;
    margin-bottom: 24px;
    border-bottom: 2px solid var(--bmo-blue);
    padding-bottom: 12px;
    display: inline-block;
}

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

.footer-col li {
    margin-bottom: 12px;
}

.footer-col a {
    color: #CBD5E0;
    text-decoration: none;
    font-size: 0.9rem;
    transition: var(--transition);
}

.footer-col a:hover {
    color: var(--brand-white);
    padding-left: 4px;
}

.footer-bottom {
    margin-top: 60px;
    padding-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.1);
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.85rem;
}

.footer-bottom-links {
    display: flex;
    gap: 24px;
}

.footer-bottom-links a {
    color: #CBD5E0;
    text-decoration: none;
}

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

/* NEW PREMIUM UI COMPONENTS */
.split-section {
    display: flex;
    align-items: center;
    gap: 60px;
    margin: 80px 0;
}

.split-section > div {
    flex: 1;
}

.split-image {
    background: #EAF3F9;
    border-radius: var(--radius-lg);
    padding: 60px;
    text-align: center;
    font-size: 4rem;
    box-shadow: inset 0 0 20px rgba(0,121,193,0.05);
}

.dark-section {
    background: var(--brand-dark);
    color: var(--brand-white);
    padding: 80px 0;
    margin: 80px 0;
}

.dark-section h2, .dark-section h3 {
    color: var(--brand-white);
}

.dark-section p {
    color: #A0AEC0;
}

.stat-grid {
    display: flex;
    gap: 40px;
    margin: 60px 0;
    justify-content: center;
}

.stat-block {
    text-align: center;
}

.stat-number {
    font-size: 3.5rem;
    font-weight: 800;
    color: var(--bmo-red);
    line-height: 1;
    margin-bottom: 8px;
}

.stat-label {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.pricing-table {
    display: flex;
    gap: 24px;
    margin: 60px 0;
    align-items: center;
}

.pricing-card {
    flex: 1;
    background: var(--brand-white);
    border: 1px solid var(--border-subtle);
    border-radius: var(--radius-lg);
    padding: 40px;
    text-align: center;
}

.pricing-card.premium {
    border: 2px solid var(--bmo-blue);
    transform: scale(1.05);
    box-shadow: var(--shadow-lg);
    position: relative;
    z-index: 2;
}

.pricing-card.premium::after {
    content: 'RECOMMENDED';
    position: absolute;
    top: -14px; left: 50%;
    transform: translateX(-50%);
    background: var(--bmo-blue);
    color: var(--brand-white);
    font-size: 0.75rem;
    font-weight: 700;
    padding: 4px 12px;
    border-radius: 12px;
    letter-spacing: 1px;
}

.process-steps {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin: 60px 0;
}

.step-item {
    display: flex;
    gap: 24px;
    background: var(--brand-white);
    padding: 32px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    border-left: 4px solid var(--bmo-red);
}

.step-number {
    font-size: 2rem;
    font-weight: 800;
    color: rgba(229, 23, 63, 0.2);
}