/* Modern Hero Section */
        .modern-hero {
            position: relative;
            height: 90vh;
            min-height: 700px;
            background: var(--gradient-primary);
            overflow: hidden;
            display: flex;
            align-items: center;
            color: white;
            padding: 0 5%;
        }

        .hero-background {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            background: url('../img/mudraHero.jpg') center/cover;
            opacity: 0.3;
            z-index: 0;
        }

        .hero-content {
            position: relative;
            z-index: 2;
            max-width: 1200px;
            margin: 0 auto;
            width: 100%;
        }

        .hero-badge {
            display: inline-block;
            background: var(--gradient-accent);
            padding: 8px 20px;
            border-radius: 50px;
            font-size: 0.9rem;
            font-weight: 600;
            margin-bottom: 20px;
            animation: float 3s ease-in-out infinite;
        }

        .hero-title {
            font-size: 4rem;
            font-weight: 800;
            line-height: 1.2;
            margin-bottom: 20px;
            background: linear-gradient(90deg, #fff, #b388ff);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
        }

        .hero-subtitle {
            font-size: 1.2rem;
            opacity: 0.9;
            max-width: 600px;
            margin-bottom: 40px;
        }

        .hero-stats {
            display: flex;
            gap: 40px;
            margin: 60px 0;
            flex-wrap: wrap;
        }

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

        .stat-number {
            font-size: 3rem;
            font-weight: 800;
            background: var(--gradient-secondary);
            -webkit-background-clip: text;
            -webkit-text-fill-color: transparent;
        }

        .stat-label {
            font-size: 0.9rem;
            opacity: 0.8;
            text-transform: uppercase;
            letter-spacing: 1px;
        }

        .cta-buttons {
            display: flex;
            gap: 20px;
            margin-top: 40px;
        }

        .btn-primary, .btn-secondary {
            padding: 16px 36px;
            border-radius: var(--radius-md);
            font-weight: 600;
            text-decoration: none;
            display: inline-flex;
            align-items: center;
            gap: 10px;
            transition: var(--transition);
            cursor: pointer;
            border: none;
            font-size: 1rem;
        }

        .btn-primary {
            background: var(--gradient-accent);
            color: white;
        }

        .btn-secondary {
            background: rgba(255, 255, 255, 0.1);
            color: white;
            backdrop-filter: blur(10px);
            border: 1px solid rgba(255, 255, 255, 0.2);
        }

        .btn-primary:hover, .btn-secondary:hover {
            transform: translateY(-3px);
            box-shadow: var(--shadow-lg);
        }

        /* Floating Shapes Animation */
        .floating-shapes {
            position: absolute;
            width: 100%;
            height: 100%;
            top: 0;
            left: 0;
            overflow: hidden;
            z-index: 1;
        }

        .shape {
            position: absolute;
            background: linear-gradient(135deg, rgba(124, 77, 255, 0.1), rgba(0, 184, 212, 0.1));
            border-radius: 50%;
            animation: float 20s infinite linear;
        }

        @keyframes float {
            0%, 100% { transform: translateY(0) rotate(0deg); }
            50% { transform: translateY(-20px) rotate(180deg); }
        }

        /* Vision & Mission Modern */
        .vision-mission-modern {
            padding: 120px 5%;
            background: white;
        }

        .section-title-modern {
            text-align: center;
            max-width: 800px;
            margin: 0 auto 80px;
        }

        .section-subtitle {
            color: var(--secondary);
            font-weight: 600;
            text-transform: uppercase;
            letter-spacing: 2px;
            margin-bottom: 20px;
        }

        .section-title-main {
            font-size: 3rem;
            font-weight: 800;
            color: var(--primary-dark);
            margin-bottom: 20px;
            line-height: 1.2;
        }

        .vm-cards-modern {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(500px, 1fr));
            gap: 40px;
            max-width: 1200px;
            margin: 0 auto;
        }

        .vm-card-modern {
            background: white;
            border-radius: var(--radius-lg);
            padding: 50px;
            box-shadow: var(--shadow-md);
            transition: var(--transition);
            position: relative;
            overflow: hidden;
        }

        .vm-card-modern:hover {
            transform: translateY(-10px);
            box-shadow: var(--shadow-lg);
        }

        .vm-card-modern::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            width: 6px;
            height: 100%;
            background: var(--gradient-accent);
        }

        .vm-icon-modern {
            width: 70px;
            height: 70px;
            background: var(--gradient-primary);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 30px;
            font-size: 24px;
            color: white;
        }

        /* PMMY Section Modern */
        .pmmy-section-modern {
            padding: 120px 5%;
            background: linear-gradient(135deg, #f8fafc 0%, #e3f2fd 100%);
            position: relative;
            overflow: hidden;
        }

        .pmmy-content-modern {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 80px;
            max-width: 1400px;
            margin: 0 auto;
            align-items: center;
        }

        .pmmy-visual-modern {
            position: relative;
        }

        .process-flow-modern {
            background: white;
            padding: 50px;
            border-radius: var(--radius-lg);
            box-shadow: var(--shadow-lg);
            position: relative;
        }

        .process-step-modern {
            display: flex;
            align-items: center;
            gap: 25px;
            margin-bottom: 40px;
            padding-bottom: 40px;
            border-bottom: 2px solid #f0f0f0;
            position: relative;
        }

        .process-step-modern:last-child {
            border-bottom: none;
            margin-bottom: 0;
            padding-bottom: 0;
        }

        .step-number-modern {
            width: 60px;
            height: 60px;
            background: var(--gradient-accent);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 24px;
            font-weight: 800;
            color: white;
            flex-shrink: 0;
        }

        .features-modern {
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 20px;
            margin-top: 40px;
        }

        .feature-modern {
            background: rgba(124, 77, 255, 0.1);
            padding: 15px 25px;
            border-radius: var(--radius-md);
            display: flex;
            align-items: center;
            gap: 10px;
            font-weight: 500;
        }

        /* Modern Slider */
        .modern-slider-section {
            padding: 80px 5%;
            background: var(--primary-dark);
        }

        .slider-container {
            max-width: 1400px;
            margin: 0 auto;
        }

        .slider-track {
            display: flex;
            gap: 30px;
            overflow-x: auto;
            scroll-behavior: smooth;
            padding: 20px 0;
            scrollbar-width: none;
        }

        .slider-track::-webkit-scrollbar {
            display: none;
        }

        .slider-card {
            min-width: 400px;
            background: white;
            border-radius: var(--radius-lg);
            overflow: hidden;
            box-shadow: var(--shadow-lg);
            transition: var(--transition);
        }

        .slider-card:hover {
            transform: scale(1.05);
        }

        .slider-nav {
            display: flex;
            justify-content: center;
            gap: 20px;
            margin-top: 40px;
        }

        .nav-btn {
            width: 50px;
            height: 50px;
            border-radius: 50%;
            background: var(--gradient-accent);
            border: none;
            color: white;
            font-size: 20px;
            cursor: pointer;
            transition: var(--transition);
        }

        .nav-btn:hover {
            transform: scale(1.1);
        }

        /* Resources Section */
        .resources-modern {
            padding: 120px 5%;
            background: white;
        }

        .resources-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
            gap: 30px;
            max-width: 1400px;
            margin: 60px auto 0;
        }

        .resource-card {
            background: white;
            border-radius: var(--radius-lg);
            padding: 40px;
            box-shadow: var(--shadow-md);
            transition: var(--transition);
            border: 1px solid #f0f0f0;
        }

        .resource-card:hover {
            transform: translateY(-10px);
            box-shadow: var(--shadow-lg);
            border-color: var(--accent);
        }

        .resource-header {
            display: flex;
            align-items: center;
            gap: 15px;
            margin-bottom: 30px;
        }

        .resource-icon {
            width: 50px;
            height: 50px;
            background: var(--gradient-primary);
            border-radius: var(--radius-md);
            display: flex;
            align-items: center;
            justify-content: center;
            color: white;
            font-size: 20px;
        }

        .resource-links {
            list-style: none;
        }

        .resource-links li {
            margin-bottom: 15px;
            padding-bottom: 15px;
            border-bottom: 1px solid #f0f0f0;
        }

        .resource-links li:last-child {
            margin-bottom: 0;
            padding-bottom: 0;
            border-bottom: none;
        }

        .resource-links a {
            color: var(--primary-dark);
            text-decoration: none;
            display: flex;
            justify-content: space-between;
            align-items: center;
            font-weight: 500;
            transition: var(--transition);
        }

        .resource-links a:hover {
            color: var(--accent);
            padding-left: 10px;
        }

        /* Loan Products */
        .loan-products-modern {
            padding: 120px 5%;
            background: linear-gradient(135deg, #f8fafc 0%, #e3f2fd 100%);
        }

        .products-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
            gap: 30px;
            max-width: 1400px;
            margin: 60px auto 0;
        }

        .product-card-modern {
            background: white;
            border-radius: var(--radius-lg);
            padding: 40px;
            text-align: center;
            box-shadow: var(--shadow-md);
            transition: var(--transition);
            position: relative;
            overflow: hidden;
            cursor: pointer;
        }

        .product-card-modern:hover {
            transform: translateY(-10px);
            box-shadow: var(--shadow-lg);
        }

        .product-icon-modern {
            width: 80px;
            height: 80px;
            margin: 0 auto 25px;
            background: var(--gradient-primary);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 32px;
            color: white;
        }

        .loan-amount-modern {
            font-size: 1.5rem;
            font-weight: 800;
            color: var(--accent);
            margin: 20px 0;
            padding: 10px 20px;
            background: rgba(124, 77, 255, 0.1);
            border-radius: 50px;
            display: inline-block;
        }

        /* Partner Logos */
        .partners-modern {
            padding: 80px 5%;
            background: white;
        }

        .logos-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 40px;
            max-width: 1200px;
            margin: 60px auto 0;
            align-items: center;
        }

        .logo-item-modern {
            background: white;
            padding: 30px;
            border-radius: var(--radius-md);
            box-shadow: var(--shadow-sm);
            transition: var(--transition);
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .logo-item-modern:hover {
            transform: scale(1.1);
            box-shadow: var(--shadow-md);
        }

        .logo-item-modern img {
            max-width: 100%;
            height: auto;
            filter: grayscale(100%);
            transition: var(--transition);
        }

        .logo-item-modern:hover img {
            filter: grayscale(0%);
        }

        /* Responsive Design */
        @media (max-width: 1200px) {
            .hero-title { font-size: 3rem; }
            .section-title-main { font-size: 2.5rem; }
        }

        @media (max-width: 992px) {
            .pmmy-content-modern { grid-template-columns: 1fr; }
            .vm-cards-modern { grid-template-columns: 1fr; }
            .hero-title { font-size: 2.5rem; }
            .hero-stats { justify-content: center; }
        }

        @media (max-width: 768px) {
            .hero-title { font-size: 2rem; }
            .section-title-main { font-size: 2rem; }
            .modern-hero { min-height: 600px; height: auto; padding: 100px 5%; }
            .cta-buttons { flex-direction: column; }
            .btn-primary, .btn-secondary { width: 100%; justify-content: center; }
            .slider-card { min-width: 300px; }
            .features-modern { grid-template-columns: 1fr; }
        }

        @media (max-width: 576px) {
            .hero-title { font-size: 1.8rem; }
            .section-title-main { font-size: 1.8rem; }
            .stat-number { font-size: 2rem; }
            .vm-card-modern, .process-flow-modern { padding: 30px; }
            .resource-card, .product-card-modern { padding: 25px; }
        }

        /* Animation Classes */
        .fade-in {
            opacity: 0;
            transform: translateY(30px);
            transition: opacity 0.6s ease, transform 0.6s ease;
        }

        .fade-in.visible {
            opacity: 1;
            transform: translateY(0);
        }

        /* Glass Effect */
        .glass-effect {
            background: rgba(255, 255, 255, 0.1);
            backdrop-filter: blur(10px);
            border: 1px solid rgba(255, 255, 255, 0.2);
        }