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var(--coban-blue);border-radius:var(--radius-sm)}.benefits-list{display:flex;flex-direction:column;gap:15px}.benefit-item{display:flex;align-items:center;gap:15px;padding:15px;background:var(--bg-light);border-radius:var(--radius-sm);transition:var(--transition)}.benefit-item:hover{background:#0f52ba0d;transform:translate(10px)}.benefit-item i{color:var(--coban-green);font-size:1.2rem}.info-image{position:relative;border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-lg)}.info-image img{width:100%;height:auto;display:block;transition:var(--transition)}.info-image:hover img{transform:scale(1.05)}.floating-badge{position:absolute;top:20px;right:20px;background:var(--coban-green);color:var(--white);padding:15px 25px;border-radius:50px;display:flex;align-items:center;gap:10px;font-weight:600;box-shadow:var(--shadow-md);animation:float 3s ease-in-out infinite}@keyframes 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li:before{content:"✓";position:absolute;left:0;color:var(--coban-green);font-weight:700;font-size:1.2rem}.tips-section{background:var(--white);border-radius:var(--radius-lg);padding:50px;margin-bottom:60px;box-shadow:var(--shadow-md)}.tips-section h3{font-size:2rem;margin-bottom:40px;text-align:center;color:var(--text-dark);display:flex;align-items:center;justify-content:center;gap:15px}.tips-section h3 i{color:var(--coban-blue-dark)}.tips-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:25px}.tip-card{background:linear-gradient(135deg,var(--bg-light),var(--white));padding:30px;border-radius:var(--radius-md);text-align:center;border:2px solid transparent;transition:var(--transition)}.tip-card:hover{border-color:var(--coban-blue-dark);transform:translateY(-5px);box-shadow:var(--shadow-md)}.tip-card i{font-size:2.5rem;color:var(--coban-blue-dark);margin-bottom:15px;display:block}.tip-card p{color:var(--text-gray);line-height:1.6;margin:0}.requirements-section{background:var(--white);border-radius:var(--radius-lg);padding:50px;box-shadow:var(--shadow-md)}.requirements-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:30px}.requirement-card{background:var(--bg-light);border-radius:var(--radius-md);padding:35px;transition:var(--transition)}.requirement-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}.req-header{display:flex;align-items:center;gap:15px;margin-bottom:25px;padding-bottom:20px;border-bottom:2px solid var(--coban-blue-light)}.req-header i{font-size:2rem;color:var(--coban-blue)}.req-header h4{font-size:1.5rem;color:var(--text-dark);margin:0}.req-list{list-style:none;display:flex;flex-direction:column;gap:15px}.req-list li{display:flex;align-items:flex-start;gap:12px;color:var(--text-gray);line-height:1.6}.req-list li i{color:var(--coban-green);margin-top:3px;font-size:1.1rem}.credit-benefits{margin-bottom:60px}.credit-benefits h3{font-size:2rem;margin-bottom:40px;text-align:center;color:var(--text-dark);display:flex;align-items:center;justify-content:center;gap:15px}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:30px}.benefit-box{background:var(--white);padding:40px;border-radius:var(--radius-md);box-shadow:var(--shadow-sm);text-align:center;transition:var(--transition);opacity:0;transform:translateY(30px)}.benefit-box.animate-in{opacity:1;transform:translateY(0)}.benefit-box:hover{transform:translateY(-10px);box-shadow:var(--shadow-lg)}.benefit-box i{font-size:3.5rem;background:linear-gradient(135deg,var(--coban-blue),var(--coban-blue-light));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;margin-bottom:20px;display:block}.benefit-box h4{font-size:1.5rem;margin-bottom:15px;color:var(--text-dark)}.benefit-box p{color:var(--text-gray);line-height:1.6}.credit-types{background:var(--white);border-radius:var(--radius-lg);padding:50px;margin-bottom:60px;box-shadow:var(--shadow-md)}.credit-types h3{font-size:2rem;margin-bottom:40px;text-align:center;color:var(--text-dark);display:flex;align-items:center;justify-content:center;gap:15px}.types-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:20px}.type-badge{background:linear-gradient(135deg,var(--bg-light),var(--white));padding:25px;border-radius:var(--radius-md);text-align:center;border:2px solid transparent;transition:var(--transition);cursor:pointer}.type-badge:hover{border-color:var(--coban-blue);transform:scale(1.05);box-shadow:var(--shadow-md)}.type-badge i{font-size:2.5rem;color:var(--coban-blue);margin-bottom:15px;display:block}.type-badge span{font-weight:600;color:var(--text-dark)}.credit-tips{background:var(--white);border-radius:var(--radius-lg);padding:50px;box-shadow:var(--shadow-md)}.credit-tips h3{font-size:2rem;margin-bottom:50px;text-align:center;color:var(--text-dark);display:flex;align-items:center;justify-content:center;gap:15px}.timeline{position:relative;max-width:800px;margin:0 auto;padding-left:50px}.timeline:before{content:"";position:absolute;left:20px;top:0;bottom:0;width:2px;background:linear-gradient(180deg,var(--coban-blue),var(--coban-blue-light))}.timeline-item{position:relative;margin-bottom:40px;opacity:0;transform:translate(-30px)}.timeline-item.animate-in{opacity:1;transform:translate(0)}.timeline-number{position:absolute;left:-40px;top:50%;transform:translateY(-50%);width:40px;height:40px;background:var(--coban-blue);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.2rem;box-shadow:0 0 0 4px var(--white),0 0 0 6px var(--coban-blue-light)}.timeline-content{background:var(--bg-light);padding:25px;border-radius:var(--radius-md);margin-left:30px;transition:var(--transition)}.timeline-content:hover{background:#0f52ba0d;transform:translate(10px)}.timeline-content h4{font-size:1.3rem;margin-bottom:10px;color:var(--text-dark)}.timeline-content p{color:var(--text-gray);line-height:1.6;margin:0}.saving-goals{margin-bottom:60px}.saving-goals h3{font-size:2rem;margin-bottom:40px;text-align:center;color:var(--text-dark);display:flex;align-items:center;justify-content:center;gap:15px}.goals-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:30px}.goal-card{background:var(--white);padding:40px;border-radius:var(--radius-md);box-shadow:var(--shadow-sm);text-align:center;transition:var(--transition);opacity:0;transform:translateY(30px)}.goal-card.animate-in{opacity:1;transform:translateY(0)}.goal-card:hover{transform:translateY(-10px);box-shadow:var(--shadow-lg)}.goal-icon{width:80px;height:80px;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 25px}.goal-icon.shield{background:linear-gradient(135deg,var(--coban-blue-light) 0%,var(--coban-blue-dark) 100%)}.goal-icon.target{background:linear-gradient(135deg,#36a415 0% 100%)}.goal-icon.peace{background:linear-gradient(135deg,var(--coban-blue) 0%,var(--coban-blue-light) 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h3{font-size:2rem;margin-bottom:40px;text-align:center;color:var(--text-dark);display:flex;align-items:center;justify-content:center;gap:15px}.budget-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:25px}.budget-card{background:var(--white);padding:35px;border-radius:var(--radius-md);box-shadow:var(--shadow-sm);text-align:center;transition:var(--transition)}.budget-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg)}.budget-card i{font-size:3rem;color:var(--coban-blue);margin-bottom:20px;display:block}.budget-card h4{font-size:1.3rem;margin-bottom:12px;color:var(--text-dark)}.budget-card p{color:var(--text-gray);line-height:1.6;margin:0}.financial-planning{background:var(--white);border-radius:var(--radius-lg);padding:50px;box-shadow:var(--shadow-md)}.financial-planning h3{font-size:2rem;margin-bottom:20px;text-align:center;color:var(--text-dark);display:flex;align-items:center;justify-content:center;gap:15px}.planning-intro{text-align:center;color:var(--text-gray);font-size:1.1rem;line-height:1.8;max-width:800px;margin:0 auto 50px}.planning-steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:25px}.step-card{background:var(--bg-light);padding:30px;border-radius:var(--radius-md);text-align:center;position:relative;transition:var(--transition)}.step-card:hover{transform:translateY(-5px);background:#0f52ba0d}.step-number{width:50px;height:50px;background:linear-gradient(135deg,var(--coban-blue),var(--coban-blue-light));color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.5rem;font-weight:700;margin:0 auto 20px}.step-card h4{font-size:1.2rem;margin-bottom:10px;color:var(--text-dark)}.step-card p{color:var(--text-gray);line-height:1.6;margin:0}.cta-section{background:linear-gradient(135deg,var(--coban-blue-dark),var(--coban-blue));padding:100px 0;position:relative;overflow:hidden}.cta-section:before{content:"";position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");opacity:.1}.cta-content{text-align:center;color:var(--white);position:relative;z-index:2}.cta-content h2{font-size:2.5rem;margin-bottom:20px}.cta-content p{font-size:1.2rem;margin-bottom:40px;opacity:.95}.cta-buttons{display:flex;justify-content:center;gap:20px;flex-wrap:wrap}.btn-primary,.btn-secondary{padding:18px 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span{display:none}.intro-card{flex-direction:column;text-align:center;padding:30px}.intro-text h2{font-size:1.5rem}.features-grid{grid-template-columns:1fr}.info-section{padding:30px}.requirements-grid{grid-template-columns:1fr}.timeline{padding-left:30px}.timeline-number{left:-30px;width:35px;height:35px;font-size:1rem}.timeline-content{margin-left:20px}.saving-quote{padding:40px 30px}.saving-quote p{font-size:1.2rem}.cta-content h2{font-size:1.8rem}.cta-buttons{flex-direction:column;align-items:center}.btn-primary,.btn-secondary{width:100%;max-width:300px;justify-content:center}}@media(max-width:480px){.edu-hero{padding:80px 0 140px}.hero-title{font-size:1.8rem}.hero-description{font-size:1rem}.tab-btn{min-width:80px;padding:12px 15px}.tab-btn i,.section-title{font-size:1.5rem}.tips-section 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