/* ========================================
           FEES & FUNDING - COLOR PALETTE
           "Financial Clarity" Theme
           Deep Emerald + Warm Amber
           ======================================== */
        :root {
            --ff-deep: #0d3d30;
            --ff-emerald: #1a5d4a;
            --ff-emerald-light: #2d7a68;
            --ff-teal: #3d9d8a;
            --ff-amber: #d4a853;
            --ff-amber-light: #e8b85a;
            --ff-gold: #c9a227;
            --ff-cream: #faf8f5;
            --ff-stone: #f0ebe3;
            --ff-warm-white: #fffcf7;
            --ff-text: #1e2a25;
            --ff-text-light: #5a6b63;
            --ff-border: rgba(26, 93, 74, 0.12);
            --ff-gradient-hero: linear-gradient(135deg, #0d3d30 0%, #1a5d4a 40%, #2d7a68 100%);
            --ff-gradient-emerald: linear-gradient(135deg, #1a5d4a 0%, #2d7a68 100%);
            --ff-gradient-amber: linear-gradient(135deg, #d4a853 0%, #e8b85a 100%);
            --ff-gradient-gold: linear-gradient(135deg, #c9a227 0%, #d4a853 100%);
        }

        /* ========================================
           HERO SECTION - FEES & FUNDING
           ======================================== */
        .ff-hero {
            position: relative;
            min-height: 620px;
            background: var(--ff-gradient-hero);
            padding: 140px 60px 100px;
            overflow: hidden;
            display: flex;
            align-items: center;
        }

        /* Subtle pattern overlay */
        .ff-hero::before {
            content: '';
            position: absolute;
            inset: 0;
            background-image:
                radial-gradient(circle at 80% 20%, rgba(212, 168, 83, 0.15) 0%, transparent 40%),
                radial-gradient(circle at 20% 80%, rgba(45, 122, 104, 0.2) 0%, transparent 50%);
            pointer-events: none;
        }

        /* Grid pattern */
        .ff-hero-grid {
            position: absolute;
            inset: 0;
            background-image:
                linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
            background-size: 80px 80px;
            pointer-events: none;
        }

        /* Floating currency symbols decoration */
        .ff-hero-symbols {
            position: absolute;
            top: 0;
            right: 0;
            width: 45%;
            height: 100%;
            pointer-events: none;
            overflow: hidden;
        }

        .ff-symbol {
            position: absolute;
            font-family: var(--font-display);
            font-weight: 700;
            opacity: 0.06;
            color: #fff;
        }

        .ff-symbol-1 { font-size: 120px; top: 15%; right: 20%; animation: ffFloat 8s ease-in-out infinite; }
        .ff-symbol-2 { font-size: 80px; top: 45%; right: 35%; animation: ffFloat 10s ease-in-out infinite 1s; }
        .ff-symbol-3 { font-size: 100px; top: 65%; right: 15%; animation: ffFloat 9s ease-in-out infinite 0.5s; }
        .ff-symbol-4 { font-size: 60px; top: 25%; right: 45%; animation: ffFloat 7s ease-in-out infinite 1.5s; }

        @keyframes ffFloat {
            0%, 100% { transform: translateY(0) rotate(0deg); }
            50% { transform: translateY(-15px) rotate(3deg); }
        }

        /* Glowing orb accent */
        .ff-hero-orb {
            position: absolute;
            width: 500px;
            height: 500px;
            border-radius: 50%;
            background: radial-gradient(circle, rgba(212, 168, 83, 0.12) 0%, transparent 60%);
            top: -150px;
            right: -100px;
            animation: ffOrbPulse 6s ease-in-out infinite;
            pointer-events: none;
        }

        @keyframes ffOrbPulse {
            0%, 100% { transform: scale(1); opacity: 0.12; }
            50% { transform: scale(1.1); opacity: 0.18; }
        }

        .ff-hero-container {
            position: relative;
            z-index: 10;
            max-width: 1400px;
            margin: 0 auto;
            width: 100%;
            display: grid;
            grid-template-columns: 1.1fr 0.9fr;
            gap: 60px;
            align-items: center;
        }

        /* Left Content */
        .ff-hero-content {
            color: #ffffff;
        }

        /* Eyebrow Badge */
        .ff-hero-badge {
            display: inline-flex;
            align-items: center;
            gap: 10px;
            background: rgba(212, 168, 83, 0.15);
            border: 1px solid rgba(212, 168, 83, 0.3);
            padding: 10px 20px;
            border-radius: 30px;
            margin-bottom: 24px;
        }

        .ff-hero-badge .icon {
            width: 20px;
            height: 20px;
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .ff-hero-badge .icon svg {
            width: 18px;
            height: 18px;
            stroke: var(--ff-amber);
        }

        .ff-hero-badge span {
            font-family: var(--font-display);
            font-size: 0.8rem;
            font-weight: 600;
            color: rgba(255,255,255,0.9);
            text-transform: uppercase;
            letter-spacing: 1.5px;
        }

        /* Hero Title */
        .ff-hero-title {
            font-family: var(--font-heading);
            font-size: 3.2rem;
            font-weight: 700;
            color: #ffffff;
            line-height: 1.15;
            margin: 0 0 24px;
        }

        .ff-hero-title .accent {
            color: var(--ff-amber);
            position: relative;
        }

        .ff-hero-title .accent::after {
            content: '';
            position: absolute;
            bottom: 4px;
            left: 0;
            width: 100%;
            height: 8px;
            background: rgba(212, 168, 83, 0.25);
            border-radius: 4px;
            z-index: -1;
        }

        /* Hero Subtitle */
        .ff-hero-subtitle {
            font-family: var(--font-body);
            font-size: 1.15rem;
            color: rgba(255,255,255,0.8);
            line-height: 1.8;
            margin: 0 0 32px;
            max-width: 540px;
        }

        /* Transparency Promise */
        .ff-hero-promise {
            display: flex;
            align-items: flex-start;
            gap: 14px;
            background: rgba(255,255,255,0.08);
            backdrop-filter: blur(10px);
            border: 1px solid rgba(255,255,255,0.12);
            border-left: 4px solid var(--ff-amber);
            padding: 18px 24px;
            border-radius: 0 12px 12px 0;
            margin-bottom: 32px;
            max-width: 520px;
        }

        .ff-hero-promise .icon {
            width: 24px;
            height: 24px;
            flex-shrink: 0;
            margin-top: 2px;
        }

        .ff-hero-promise .icon svg {
            width: 24px;
            height: 24px;
            stroke: var(--ff-amber);
        }

        .ff-hero-promise p {
            font-size: 0.95rem;
            color: rgba(255,255,255,0.9);
            line-height: 1.6;
            margin: 0;
        }

        .ff-hero-promise strong {
            color: var(--ff-amber-light);
        }

        /* CTA Buttons */
        .ff-hero-ctas {
            display: flex;
            gap: 16px;
            flex-wrap: wrap;
        }

        .ff-btn {
            display: inline-flex;
            align-items: center;
            gap: 10px;
            padding: 16px 28px;
            border-radius: 10px;
            font-family: var(--font-display);
            font-weight: 600;
            font-size: 0.95rem;
            text-decoration: none;
            transition: all 0.3s ease;
            cursor: pointer;
            border: none;
        }

        .ff-btn svg {
            width: 18px;
            height: 18px;
            transition: transform 0.3s ease;
        }

        .ff-btn-primary {
            background: var(--ff-gradient-amber);
            color: #1a3d30;
            box-shadow: 0 8px 30px rgba(212, 168, 83, 0.35);
        }

        .ff-btn-primary:hover {
            transform: translateY(-3px);
            box-shadow: 0 12px 40px rgba(212, 168, 83, 0.5);
            color: #1a3d30;
        }

        .ff-btn-primary:hover svg {
            transform: translateX(4px);
        }

        .ff-btn-secondary {
            background: rgba(255,255,255,0.1);
            backdrop-filter: blur(10px);
            border: 2px solid rgba(255,255,255,0.25);
            color: #ffffff;
        }

        .ff-btn-secondary:hover {
            background: rgba(255,255,255,0.18);
            border-color: rgba(255,255,255,0.4);
            transform: translateY(-3px);
            color: #ffffff;
        }

        /* Right Side - Quick Stats Cards */
        .ff-hero-visual {
            position: relative;
        }

        .ff-stats-stack {
            display: flex;
            flex-direction: column;
            gap: 16px;
        }

        .ff-stat-card {
            background: rgba(255,255,255,0.95);
            backdrop-filter: blur(10px);
            border-radius: 16px;
            padding: 24px 28px;
            display: flex;
            align-items: center;
            gap: 20px;
            box-shadow: 0 10px 40px rgba(0, 0, 0, 0.15);
            transition: all 0.4s ease;
            transform-origin: left center;
        }

        .ff-stat-card:hover {
            transform: translateX(8px);
            box-shadow: 0 15px 50px rgba(0, 0, 0, 0.2);
        }

        .ff-stat-card:nth-child(1) { animation: ffSlideIn 0.5s ease 0.2s both; }
        .ff-stat-card:nth-child(2) { animation: ffSlideIn 0.5s ease 0.35s both; }
        .ff-stat-card:nth-child(3) { animation: ffSlideIn 0.5s ease 0.5s both; }
        .ff-stat-card:nth-child(4) { animation: ffSlideIn 0.5s ease 0.65s both; }

        @keyframes ffSlideIn {
            from { opacity: 0; transform: translateX(30px); }
            to { opacity: 1; transform: translateX(0); }
        }

        .ff-stat-icon {
            width: 56px;
            height: 56px;
            border-radius: 14px;
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
        }

        .ff-stat-icon svg {
            width: 28px;
            height: 28px;
            stroke-width: 1.8;
        }

        .ff-stat-icon.emerald {
            background: linear-gradient(135deg, rgba(26, 93, 74, 0.12) 0%, rgba(45, 122, 104, 0.08) 100%);
        }
        .ff-stat-icon.emerald svg { stroke: var(--ff-emerald); }

        .ff-stat-icon.amber {
            background: linear-gradient(135deg, rgba(212, 168, 83, 0.15) 0%, rgba(232, 184, 90, 0.1) 100%);
        }
        .ff-stat-icon.amber svg { stroke: var(--ff-amber); }

        .ff-stat-icon.teal {
            background: linear-gradient(135deg, rgba(61, 157, 138, 0.12) 0%, rgba(45, 122, 104, 0.08) 100%);
        }
        .ff-stat-icon.teal svg { stroke: var(--ff-teal); }

        .ff-stat-content {
            flex: 1;
        }

        .ff-stat-value {
            font-family: var(--font-display);
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--ff-deep);
            line-height: 1.2;
            margin-bottom: 4px;
        }

        .ff-stat-label {
            font-size: 0.85rem;
            color: var(--ff-text-light);
            line-height: 1.4;
        }

        .ff-stat-badge {
            font-size: 0.7rem;
            font-weight: 600;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            padding: 5px 10px;
            border-radius: 20px;
            background: rgba(26, 93, 74, 0.1);
            color: var(--ff-emerald);
        }

        /* Responsive */
        @media (max-width: 1024px) {
            .ff-hero-container {
                grid-template-columns: 1fr;
                gap: 50px;
            }
            .ff-hero-visual {
                max-width: 500px;
            }
        }

        @media (max-width: 768px) {
            .ff-hero {
                padding: 120px 24px 70px;
                min-height: auto;
            }
            .ff-hero-title {
                font-size: 2.2rem;
            }
            .ff-hero-subtitle {
                font-size: 1rem;
            }
            .ff-hero-symbols {
                display: none;
            }
            .ff-stat-card {
                padding: 18px 20px;
            }
            .ff-stat-value {
                font-size: 1.25rem;
            }
        }

        /* ========================================
           SECTION 1 - TUITION FEE OVERVIEW
           Tabbed Interface with Fee Cards
           ======================================== */
        .ff-tuition {
            padding: 100px 40px;
            background: var(--ff-cream);
            position: relative;
        }

        .ff-tuition::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 6px;
            background: var(--ff-gradient-emerald);
        }

        .ff-tuition-container {
            max-width: 1300px;
            margin: 0 auto;
        }

        /* Section Header */
        .ff-section-header {
            text-align: center;
            margin-bottom: 50px;
        }

        .ff-section-eyebrow {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            font-family: var(--font-body);
            font-size: 0.8rem;
            font-weight: 600;
            text-transform: uppercase;
            letter-spacing: 1.5px;
            color: var(--ff-emerald);
            margin-bottom: 16px;
        }

        .ff-section-eyebrow svg {
            width: 18px;
            height: 18px;
            stroke: var(--ff-amber);
        }

        .ff-section-title {
            font-family: var(--font-heading);
            font-size: 2.5rem;
            font-weight: 700;
            color: var(--ff-deep);
            margin: 0 0 16px;
            line-height: 1.2;
        }

        .ff-section-subtitle {
            font-size: 1.1rem;
            color: var(--ff-text-light);
            max-width: 700px;
            margin: 0 auto;
            line-height: 1.7;
        }

        /* Tab Navigation */
        .ff-tabs-nav {
            display: flex;
            justify-content: center;
            gap: 8px;
            flex-wrap: wrap;
            margin-bottom: 40px;
            padding: 8px;
            background: #fff;
            border-radius: 16px;
            box-shadow: 0 4px 20px rgba(0,0,0,0.06);
        }

        .ff-tab-btn {
            display: flex;
            align-items: center;
            gap: 10px;
            padding: 14px 24px;
            background: transparent;
            border: none;
            border-radius: 12px;
            font-family: var(--font-body);
            font-size: 0.9rem;
            font-weight: 600;
            color: var(--ff-text-light);
            cursor: pointer;
            transition: all 0.3s ease;
        }

        .ff-tab-btn svg {
            width: 20px;
            height: 20px;
            stroke: currentColor;
            opacity: 0.7;
            transition: all 0.3s ease;
        }

        .ff-tab-btn:hover {
            background: rgba(26, 93, 74, 0.06);
            color: var(--ff-emerald);
        }

        .ff-tab-btn.active {
            background: var(--ff-gradient-emerald);
            color: #fff;
            box-shadow: 0 4px 15px rgba(26, 93, 74, 0.3);
        }

        .ff-tab-btn.active svg {
            opacity: 1;
        }

        /* Tab Content */
        .ff-tabs-content {
            position: relative;
        }

        .ff-tab-panel {
            display: none;
            animation: ffFadeIn 0.4s ease;
        }

        .ff-tab-panel.active {
            display: block;
        }

        @keyframes ffFadeIn {
            from { opacity: 0; transform: translateY(10px); }
            to { opacity: 1; transform: translateY(0); }
        }

        /* Fee Overview Card Header */
        .ff-fee-header {
            display: flex;
            align-items: center;
            justify-content: space-between;
            background: #fff;
            padding: 24px 32px;
            border-radius: 16px 16px 0 0;
            border-bottom: 1px solid var(--ff-border);
        }

        .ff-fee-header-left {
            display: flex;
            align-items: center;
            gap: 16px;
        }

        .ff-fee-icon {
            width: 56px;
            height: 56px;
            border-radius: 14px;
            background: linear-gradient(135deg, rgba(26, 93, 74, 0.1) 0%, rgba(45, 122, 104, 0.06) 100%);
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .ff-fee-icon svg {
            width: 28px;
            height: 28px;
            stroke: var(--ff-emerald);
        }

        .ff-fee-header-title {
            font-family: var(--font-heading);
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--ff-deep);
            margin: 0 0 4px;
        }

        .ff-fee-header-desc {
            font-size: 0.9rem;
            color: var(--ff-text-light);
            margin: 0;
        }

        .ff-fee-header-right {
            text-align: right;
        }

        .ff-fee-starting {
            font-size: 0.75rem;
            text-transform: uppercase;
            letter-spacing: 1px;
            color: var(--ff-text-light);
            margin-bottom: 4px;
        }

        .ff-fee-price {
            font-family: var(--font-heading);
            font-size: 1.8rem;
            font-weight: 700;
            color: var(--ff-emerald);
        }

        .ff-fee-price span {
            font-size: 0.9rem;
            font-weight: 500;
            color: var(--ff-text-light);
        }

        /* Fee Grid */
        .ff-fee-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
            gap: 1px;
            background: var(--ff-border);
        }

        .ff-fee-card {
            background: #fff;
            padding: 28px;
            display: flex;
            flex-direction: column;
            transition: all 0.3s ease;
        }

        .ff-fee-card:hover {
            background: rgba(26, 93, 74, 0.02);
        }

        .ff-fee-card-mode {
            display: flex;
            align-items: center;
            gap: 10px;
            margin-bottom: 12px;
        }

        .ff-fee-card-mode-icon {
            width: 36px;
            height: 36px;
            border-radius: 10px;
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .ff-fee-card-mode-icon.campus { background: rgba(26, 93, 74, 0.1); }
        .ff-fee-card-mode-icon.campus svg { stroke: var(--ff-emerald); }

        .ff-fee-card-mode-icon.hybrid { background: rgba(61, 157, 138, 0.12); }
        .ff-fee-card-mode-icon.hybrid svg { stroke: var(--ff-teal); }

        .ff-fee-card-mode-icon.online { background: rgba(212, 168, 83, 0.12); }
        .ff-fee-card-mode-icon.online svg { stroke: var(--ff-amber); }

        .ff-fee-card-mode-icon.modular { background: rgba(139, 109, 174, 0.12); }
        .ff-fee-card-mode-icon.modular svg { stroke: #8b6dae; }

        .ff-fee-card-mode-icon.cbl { background: rgba(230, 126, 90, 0.12); }
        .ff-fee-card-mode-icon.cbl svg { stroke: #e67e5a; }

        .ff-fee-card-mode-icon svg {
            width: 18px;
            height: 18px;
        }

        .ff-fee-card-mode-name {
            font-weight: 600;
            font-size: 0.95rem;
            color: var(--ff-text);
        }

        .ff-fee-card-price {
            font-family: var(--font-heading);
            font-size: 1.4rem;
            font-weight: 700;
            color: var(--ff-deep);
            margin-bottom: 8px;
        }

        .ff-fee-card-price .unit {
            font-size: 0.85rem;
            font-weight: 500;
            color: var(--ff-text-light);
        }

        .ff-fee-card-note {
            font-size: 0.8rem;
            color: var(--ff-text-light);
            line-height: 1.5;
            margin-top: auto;
        }

        .ff-fee-card-badge {
            display: inline-flex;
            align-items: center;
            gap: 4px;
            font-size: 0.7rem;
            font-weight: 600;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            padding: 4px 10px;
            border-radius: 20px;
            margin-top: 12px;
            width: fit-content;
        }

        .ff-fee-card-badge.popular {
            background: rgba(26, 93, 74, 0.1);
            color: var(--ff-emerald);
        }

        .ff-fee-card-badge.value {
            background: rgba(212, 168, 83, 0.15);
            color: #b8922d;
        }

        .ff-fee-card-badge.free {
            background: rgba(16, 185, 129, 0.12);
            color: #059669;
        }

        /* Fee Footer */
        .ff-fee-footer {
            background: #fff;
            padding: 20px 32px;
            border-radius: 0 0 16px 16px;
            border-top: 1px solid var(--ff-border);
            display: flex;
            align-items: center;
            justify-content: space-between;
            flex-wrap: wrap;
            gap: 16px;
        }

        .ff-fee-footer-note {
            display: flex;
            align-items: center;
            gap: 8px;
            font-size: 0.85rem;
            color: var(--ff-text-light);
        }

        .ff-fee-footer-note svg {
            width: 16px;
            height: 16px;
            stroke: var(--ff-amber);
        }

        .ff-fee-footer-link {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            font-size: 0.9rem;
            font-weight: 600;
            color: var(--ff-emerald);
            text-decoration: none;
            transition: all 0.3s ease;
        }

        .ff-fee-footer-link:hover {
            color: var(--ff-emerald-light);
            gap: 10px;
        }

        .ff-fee-footer-link svg {
            width: 16px;
            height: 16px;
        }

        /* Additional Costs Expandable */
        .ff-additional-costs {
            background: #fff;
            border-radius: 16px;
            margin-top: 24px;
            overflow: hidden;
            box-shadow: 0 4px 20px rgba(0,0,0,0.05);
        }

        .ff-additional-toggle {
            width: 100%;
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 20px 28px;
            background: transparent;
            border: none;
            cursor: pointer;
            transition: background 0.3s ease;
        }

        .ff-additional-toggle:hover {
            background: rgba(26, 93, 74, 0.03);
        }

        .ff-additional-toggle-left {
            display: flex;
            align-items: center;
            gap: 12px;
        }

        .ff-additional-toggle-left svg {
            width: 20px;
            height: 20px;
            stroke: var(--ff-amber);
        }

        .ff-additional-toggle-left span {
            font-weight: 600;
            font-size: 0.95rem;
            color: var(--ff-text);
        }

        .ff-additional-toggle-icon {
            width: 32px;
            height: 32px;
            border-radius: 8px;
            background: rgba(26, 93, 74, 0.08);
            display: flex;
            align-items: center;
            justify-content: center;
            transition: all 0.3s ease;
        }

        .ff-additional-toggle-icon svg {
            width: 16px;
            height: 16px;
            stroke: var(--ff-emerald);
            transition: transform 0.3s ease;
        }

        .ff-additional-toggle.active .ff-additional-toggle-icon svg {
            transform: rotate(180deg);
        }

        .ff-additional-content {
            display: none;
            padding: 0 28px 24px;
        }

        .ff-additional-content.show {
            display: block;
            animation: ffFadeIn 0.3s ease;
        }

        .ff-additional-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 16px;
        }

        .ff-additional-item {
            display: flex;
            align-items: flex-start;
            gap: 10px;
            padding: 14px;
            background: var(--ff-stone);
            border-radius: 10px;
        }

        .ff-additional-item svg {
            width: 18px;
            height: 18px;
            stroke: var(--ff-teal);
            flex-shrink: 0;
            margin-top: 2px;
        }

        .ff-additional-item-content {
            flex: 1;
        }

        .ff-additional-item-name {
            font-weight: 600;
            font-size: 0.85rem;
            color: var(--ff-text);
            margin-bottom: 2px;
        }

        .ff-additional-item-price {
            font-size: 0.8rem;
            color: var(--ff-text-light);
        }

        /* Responsive */
        @media (max-width: 1024px) {
            .ff-tabs-nav {
                justify-content: flex-start;
                overflow-x: auto;
                -webkit-overflow-scrolling: touch;
                padding: 8px;
            }
            .ff-tab-btn {
                white-space: nowrap;
                padding: 12px 18px;
                font-size: 0.85rem;
            }
        }

        @media (max-width: 768px) {
            .ff-tuition {
                padding: 70px 20px;
            }
            .ff-section-title {
                font-size: 1.8rem;
            }
            .ff-fee-header {
                flex-direction: column;
                align-items: flex-start;
                gap: 16px;
                padding: 20px;
            }
            .ff-fee-header-right {
                text-align: left;
            }
            .ff-fee-grid {
                grid-template-columns: 1fr;
            }
            .ff-fee-footer {
                flex-direction: column;
                align-items: flex-start;
                padding: 16px 20px;
            }
        }

        /* ========================================
           SECTION 2 - FEE ESTIMATOR TOOL
           Interactive Calculator Interface
           ======================================== */
        .ff-estimator {
            padding: 100px 40px;
            background: linear-gradient(180deg, #fff 0%, var(--ff-stone) 100%);
            position: relative;
        }

        .ff-estimator-container {
            max-width: 1200px;
            margin: 0 auto;
        }

        .ff-estimator-wrapper {
            display: grid;
            grid-template-columns: 1fr 400px;
            gap: 40px;
            align-items: start;
        }

        /* Left Side - Form */
        .ff-estimator-form {
            background: #fff;
            border-radius: 20px;
            padding: 40px;
            box-shadow: 0 10px 50px rgba(0,0,0,0.08);
        }

        .ff-estimator-form-title {
            font-family: var(--font-heading);
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--ff-deep);
            margin: 0 0 8px;
        }

        .ff-estimator-form-desc {
            font-size: 0.95rem;
            color: var(--ff-text-light);
            margin: 0 0 20px;
        }

        .ff-estimator-disclaimer {
            display: flex;
            align-items: flex-start;
            gap: 10px;
            padding: 12px 16px;
            background: linear-gradient(135deg, rgba(212, 168, 83, 0.08), rgba(212, 168, 83, 0.04));
            border: 1px solid rgba(212, 168, 83, 0.25);
            border-left: 3px solid var(--ff-amber);
            border-radius: 8px;
            margin-bottom: 28px;
            font-size: 0.85rem;
            color: var(--ff-text-light);
            line-height: 1.5;
        }

        .ff-estimator-disclaimer svg {
            width: 18px;
            height: 18px;
            flex-shrink: 0;
            stroke: var(--ff-amber);
            margin-top: 1px;
        }

        .ff-form-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 24px;
        }

        .ff-form-group {
            display: flex;
            flex-direction: column;
        }

        .ff-form-group.full-width {
            grid-column: 1 / -1;
        }

        .ff-form-label {
            font-size: 0.85rem;
            font-weight: 600;
            color: var(--ff-text);
            margin-bottom: 8px;
            display: flex;
            align-items: center;
            gap: 6px;
        }

        .ff-form-label svg {
            width: 16px;
            height: 16px;
            stroke: var(--ff-amber);
        }

        .ff-form-select {
            padding: 14px 18px;
            border: 2px solid var(--ff-border);
            border-radius: 12px;
            font-family: var(--font-body);
            font-size: 0.95rem;
            color: var(--ff-text);
            background: #fff;
            cursor: pointer;
            transition: all 0.3s ease;
            appearance: none;
            background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%235a6b63' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
            background-repeat: no-repeat;
            background-position: right 14px center;
            padding-right: 45px;
        }

        .ff-form-select:focus {
            outline: none;
            border-color: var(--ff-emerald);
            box-shadow: 0 0 0 4px rgba(26, 93, 74, 0.1);
        }

        .ff-form-select:hover {
            border-color: var(--ff-emerald-light);
        }

        /* Module Slider */
        .ff-slider-container {
            margin-top: 8px;
        }

        .ff-slider-header {
            display: flex;
            justify-content: space-between;
            align-items: center;
            margin-bottom: 12px;
        }

        .ff-slider-value {
            font-family: var(--font-heading);
            font-size: 1.2rem;
            font-weight: 700;
            color: var(--ff-emerald);
        }

        .ff-slider {
            width: 100%;
            height: 8px;
            border-radius: 4px;
            background: var(--ff-stone);
            appearance: none;
            cursor: pointer;
        }

        .ff-slider::-webkit-slider-thumb {
            appearance: none;
            width: 24px;
            height: 24px;
            border-radius: 50%;
            background: var(--ff-gradient-emerald);
            cursor: pointer;
            box-shadow: 0 4px 15px rgba(26, 93, 74, 0.3);
            transition: transform 0.2s ease;
        }

        .ff-slider::-webkit-slider-thumb:hover {
            transform: scale(1.1);
        }

        .ff-slider-labels {
            display: flex;
            justify-content: space-between;
            margin-top: 8px;
            font-size: 0.75rem;
            color: var(--ff-text-light);
        }

        /* Checkbox Group */
        .ff-checkbox-group {
            display: flex;
            flex-wrap: wrap;
            gap: 12px;
            margin-top: 8px;
        }

        .ff-checkbox-item {
            display: flex;
            align-items: center;
            gap: 8px;
            padding: 10px 16px;
            background: var(--ff-stone);
            border-radius: 10px;
            cursor: pointer;
            transition: all 0.3s ease;
        }

        .ff-checkbox-item:hover {
            background: rgba(26, 93, 74, 0.08);
        }

        .ff-checkbox-item input {
            display: none;
        }

        .ff-checkbox-item .checkmark {
            width: 20px;
            height: 20px;
            border: 2px solid var(--ff-border);
            border-radius: 6px;
            display: flex;
            align-items: center;
            justify-content: center;
            transition: all 0.3s ease;
        }

        .ff-checkbox-item .checkmark svg {
            width: 12px;
            height: 12px;
            stroke: #fff;
            opacity: 0;
            transition: opacity 0.2s ease;
        }

        .ff-checkbox-item input:checked + .checkmark {
            background: var(--ff-gradient-emerald);
            border-color: var(--ff-emerald);
        }

        .ff-checkbox-item input:checked + .checkmark svg {
            opacity: 1;
        }

        .ff-checkbox-item span {
            font-size: 0.85rem;
            font-weight: 500;
            color: var(--ff-text);
        }

        /* Calculate Button */
        .ff-calculate-btn {
            width: 100%;
            margin-top: 32px;
            padding: 18px 32px;
            background: var(--ff-gradient-emerald);
            color: #fff;
            border: none;
            border-radius: 14px;
            font-family: var(--font-body);
            font-size: 1rem;
            font-weight: 700;
            cursor: pointer;
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 10px;
            transition: all 0.3s ease;
            box-shadow: 0 8px 30px rgba(26, 93, 74, 0.25);
        }

        .ff-calculate-btn:hover {
            transform: translateY(-3px);
            box-shadow: 0 12px 40px rgba(26, 93, 74, 0.35);
        }

        .ff-calculate-btn svg {
            width: 20px;
            height: 20px;
        }

        /* Right Side - Results */
        .ff-estimator-results {
            position: sticky;
            top: 120px;
        }

        .ff-results-card {
            background: var(--ff-deep);
            border-radius: 20px;
            padding: 32px;
            color: #fff;
            position: relative;
            overflow: hidden;
        }

        .ff-results-card::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -50%;
            width: 200%;
            height: 200%;
            background: radial-gradient(circle, rgba(212, 168, 83, 0.1) 0%, transparent 50%);
            pointer-events: none;
        }

        .ff-results-header {
            display: flex;
            align-items: center;
            gap: 12px;
            margin-bottom: 28px;
            position: relative;
        }

        .ff-results-icon {
            width: 48px;
            height: 48px;
            border-radius: 12px;
            background: rgba(212, 168, 83, 0.2);
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .ff-results-icon svg {
            width: 24px;
            height: 24px;
            stroke: var(--ff-amber);
        }

        .ff-results-title {
            font-family: var(--font-heading);
            font-size: 1.3rem;
            font-weight: 700;
        }

        /* Result Rows */
        .ff-result-rows {
            display: flex;
            flex-direction: column;
            gap: 16px;
            margin-bottom: 24px;
            position: relative;
        }

        .ff-result-row {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 14px 0;
            border-bottom: 1px solid rgba(255,255,255,0.1);
        }

        .ff-result-row:last-child {
            border-bottom: none;
        }

        .ff-result-label {
            font-size: 0.9rem;
            color: rgba(255,255,255,0.7);
        }

        .ff-result-value {
            font-family: var(--font-heading);
            font-size: 1.1rem;
            font-weight: 700;
        }

        .ff-result-value.discount {
            color: #34d399;
        }

        /* Total */
        .ff-result-total {
            background: rgba(255,255,255,0.08);
            border-radius: 14px;
            padding: 20px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            margin-bottom: 20px;
            position: relative;
        }

        .ff-result-total-label {
            font-size: 0.9rem;
            color: rgba(255,255,255,0.8);
        }

        .ff-result-total-value {
            font-family: var(--font-heading);
            font-size: 2rem;
            font-weight: 700;
            color: var(--ff-amber);
        }

        .ff-result-total-value span {
            font-size: 0.9rem;
            font-weight: 500;
            color: rgba(255,255,255,0.6);
        }

        /* Tuition Free Badge */
        .ff-tuition-free-badge {
            display: none;
            align-items: center;
            justify-content: center;
            gap: 10px;
            padding: 16px;
            background: linear-gradient(135deg, rgba(16, 185, 129, 0.2) 0%, rgba(52, 211, 153, 0.15) 100%);
            border: 1px solid rgba(52, 211, 153, 0.3);
            border-radius: 12px;
            margin-bottom: 20px;
        }

        .ff-tuition-free-badge.show {
            display: flex;
        }

        .ff-tuition-free-badge svg {
            width: 24px;
            height: 24px;
            stroke: #34d399;
        }

        .ff-tuition-free-badge span {
            font-weight: 700;
            color: #34d399;
            font-size: 0.95rem;
        }

        /* Results Note */
        .ff-results-note {
            font-size: 0.8rem;
            color: rgba(255,255,255,0.5);
            line-height: 1.5;
            text-align: center;
            position: relative;
        }

        /* Payment Options Summary */
        .ff-payment-summary {
            background: #fff;
            border-radius: 16px;
            padding: 24px;
            margin-top: 20px;
            box-shadow: 0 4px 20px rgba(0,0,0,0.06);
        }

        .ff-payment-summary-title {
            font-size: 0.85rem;
            font-weight: 600;
            color: var(--ff-text);
            margin-bottom: 16px;
            display: flex;
            align-items: center;
            gap: 8px;
        }

        .ff-payment-summary-title svg {
            width: 18px;
            height: 18px;
            stroke: var(--ff-amber);
        }

        .ff-payment-options {
            display: flex;
            flex-direction: column;
            gap: 10px;
        }

        .ff-payment-option {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 12px 14px;
            background: var(--ff-stone);
            border-radius: 10px;
        }

        .ff-payment-option-name {
            font-size: 0.85rem;
            color: var(--ff-text);
        }

        .ff-payment-option-value {
            font-family: var(--font-heading);
            font-weight: 700;
            font-size: 0.95rem;
            color: var(--ff-emerald);
        }

        /* Responsive */
        @media (max-width: 1024px) {
            .ff-estimator-wrapper {
                grid-template-columns: 1fr;
            }
            .ff-estimator-results {
                position: relative;
                top: 0;
            }
        }

        @media (max-width: 768px) {
            .ff-estimator {
                padding: 70px 20px;
            }
            .ff-estimator-form {
                padding: 24px;
            }
            .ff-form-grid {
                grid-template-columns: 1fr;
            }
            .ff-results-card {
                padding: 24px;
            }
            .ff-result-total-value {
                font-size: 1.6rem;
            }
        }

        /* ========================================
           SECTION 3 - FUNDING OPTIONS
           ======================================== */
        .ff-funding {
            padding: 100px 0;
            background: linear-gradient(180deg, var(--ff-cream) 0%, #fff 100%);
        }

        .ff-funding-container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 24px;
        }

        .ff-funding-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 24px;
            margin-top: 48px;
        }

        .ff-funding-card {
            background: #fff;
            border-radius: 16px;
            padding: 28px;
            border: 1px solid rgba(26, 93, 74, 0.1);
            box-shadow: 0 4px 20px rgba(0, 0, 0, 0.04);
            transition: all 0.3s ease;
            position: relative;
            overflow: hidden;
        }

        .ff-funding-card::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 4px;
            background: linear-gradient(90deg, var(--ff-emerald), var(--ff-teal));
            opacity: 0;
            transition: opacity 0.3s ease;
        }

        .ff-funding-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 12px 32px rgba(0, 0, 0, 0.08);
            border-color: var(--ff-emerald-light);
        }

        .ff-funding-card:hover::before {
            opacity: 1;
        }

        .ff-funding-card-icon {
            width: 56px;
            height: 56px;
            border-radius: 14px;
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 20px;
        }

        .ff-funding-card-icon svg {
            width: 28px;
            height: 28px;
        }

        .ff-funding-card-icon.scholarship {
            background: linear-gradient(135deg, rgba(212, 168, 83, 0.15), rgba(212, 168, 83, 0.05));
        }
        .ff-funding-card-icon.scholarship svg { stroke: var(--ff-amber); }

        .ff-funding-card-icon.payment {
            background: linear-gradient(135deg, rgba(26, 93, 74, 0.12), rgba(26, 93, 74, 0.04));
        }
        .ff-funding-card-icon.payment svg { stroke: var(--ff-emerald); }

        .ff-funding-card-icon.employer {
            background: linear-gradient(135deg, rgba(59, 130, 246, 0.12), rgba(59, 130, 246, 0.04));
        }
        .ff-funding-card-icon.employer svg { stroke: #3b82f6; }

        .ff-funding-card-icon.government {
            background: linear-gradient(135deg, rgba(139, 92, 246, 0.12), rgba(139, 92, 246, 0.04));
        }
        .ff-funding-card-icon.government svg { stroke: #8b5cf6; }

        .ff-funding-card-icon.research {
            background: linear-gradient(135deg, rgba(236, 72, 153, 0.12), rgba(236, 72, 153, 0.04));
        }
        .ff-funding-card-icon.research svg { stroke: #ec4899; }

        .ff-funding-card-icon.lifelong {
            background: linear-gradient(135deg, rgba(16, 185, 129, 0.12), rgba(16, 185, 129, 0.04));
        }
        .ff-funding-card-icon.lifelong svg { stroke: #10b981; }

        .ff-funding-card h3 {
            font-family: var(--font-heading);
            font-size: 1.2rem;
            font-weight: 700;
            color: var(--ff-deep);
            margin: 0 0 12px;
        }

        .ff-funding-card p {
            font-size: 0.9rem;
            color: var(--ff-text-light);
            margin: 0 0 16px;
            line-height: 1.6;
        }

        .ff-funding-list {
            list-style: none;
            padding: 0;
            margin: 0;
        }

        .ff-funding-list li {
            display: flex;
            align-items: flex-start;
            gap: 10px;
            font-size: 0.85rem;
            color: var(--ff-text);
            padding: 8px 0;
            border-bottom: 1px solid rgba(0, 0, 0, 0.05);
        }

        .ff-funding-list li:last-child {
            border-bottom: none;
        }

        .ff-funding-list li svg {
            width: 16px;
            height: 16px;
            flex-shrink: 0;
            stroke: var(--ff-emerald);
            margin-top: 2px;
        }

        @media (max-width: 992px) {
            .ff-funding-grid {
                grid-template-columns: repeat(2, 1fr);
            }
        }

        @media (max-width: 640px) {
            .ff-funding-grid {
                grid-template-columns: 1fr;
            }
        }

        /* ========================================
           SCHOLARSHIPS & GRANTS SECTION
           ======================================== */
        .ff-scholarships {
            padding: 100px 0;
            /* background: linear-gradient(180deg, #fff 0%, var(--ff-cream) 100%); */
            /* background: linear-gradient(180deg, #fff 0%, var(--ff-stone) 100%); */
            background: var(--er-warm-white);
        }

        .ff-scholarships-container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 24px;
        }

        .ff-scholarships-intro {
            max-width: 800px;
            margin: 0 auto 48px;
            text-align: center;
            font-size: 1.05rem;
            color: var(--ff-text-light);
            line-height: 1.8;
        }

        .ff-scholarships-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 24px;
        }

        .ff-scholarship-card {
            background: #fff;
            border-radius: 16px;
            padding: 28px;
            border: 1px solid rgba(26, 93, 74, 0.1);
            box-shadow: 0 4px 20px rgba(0, 0, 0, 0.04);
            transition: all 0.3s ease;
            position: relative;
            overflow: hidden;
        }

        .ff-scholarship-card::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 4px;
            background: linear-gradient(90deg, var(--ff-amber), var(--ff-amber-light));
            opacity: 0;
            transition: opacity 0.3s ease;
        }

        .ff-scholarship-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 12px 32px rgba(0, 0, 0, 0.08);
            border-color: var(--ff-amber);
        }

        .ff-scholarship-card:hover::before {
            opacity: 1;
        }

        .ff-scholarship-icon {
            width: 52px;
            height: 52px;
            border-radius: 12px;
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 18px;
            background: linear-gradient(135deg, rgba(212, 168, 83, 0.15), rgba(212, 168, 83, 0.05));
        }

        .ff-scholarship-icon svg {
            width: 26px;
            height: 26px;
            stroke: var(--ff-amber);
        }

        .ff-scholarship-card h3 {
            font-family: var(--font-heading);
            font-size: 1.1rem;
            font-weight: 700;
            color: var(--ff-deep);
            margin: 0 0 12px;
        }

        .ff-scholarship-card p {
            font-size: 0.9rem;
            color: var(--ff-text-light);
            margin: 0 0 16px;
            line-height: 1.6;
        }

        .ff-scholarship-highlights {
            list-style: none;
            padding: 0;
            margin: 0;
        }

        .ff-scholarship-highlights li {
            display: flex;
            align-items: flex-start;
            gap: 8px;
            font-size: 0.85rem;
            color: var(--ff-text);
            padding: 6px 0;
        }

        .ff-scholarship-highlights li svg {
            width: 14px;
            height: 14px;
            flex-shrink: 0;
            stroke: var(--ff-emerald);
            margin-top: 3px;
        }

        .ff-scholarships-footer {
            margin-top: 48px;
            text-align: center;
            padding: 24px 32px;
            background: linear-gradient(135deg, rgba(26, 93, 74, 0.06), rgba(45, 122, 104, 0.03));
            border: 1px solid rgba(26, 93, 74, 0.12);
            border-radius: 14px;
        }

        .ff-scholarships-footer p {
            font-size: 1rem;
            color: var(--ff-text);
            margin: 0 0 16px;
            line-height: 1.6;
        }

        .ff-scholarships-footer a {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            padding: 12px 24px;
            background: linear-gradient(135deg, var(--ff-amber), var(--ff-amber-light));
            color: var(--ff-deep);
            font-family: var(--font-heading);
            font-size: 0.95rem;
            font-weight: 600;
            border-radius: 50px;
            text-decoration: none;
            transition: all 0.3s ease;
        }

        .ff-scholarships-footer a:hover {
            transform: translateY(-2px);
            box-shadow: 0 8px 20px rgba(212, 168, 83, 0.35);
        }

        .ff-scholarships-footer a svg {
            width: 18px;
            height: 18px;
        }

        @media (max-width: 992px) {
            .ff-scholarships-grid {
                grid-template-columns: repeat(2, 1fr);
            }
        }

        @media (max-width: 640px) {
            .ff-scholarships-grid {
                grid-template-columns: 1fr;
            }
        }

        /* ========================================
           SECTION - ADDITIONAL COSTS
           ======================================== */
        .ff-costs {
            padding: 100px 0;
            /* background: #fff; */
            background: linear-gradient(180deg, #fff 0%, var(--ff-stone) 100%);
        }

        .ff-costs-container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 24px;
        }

        .ff-costs-accordion {
            margin-top: 48px;
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 16px;
        }

        .ff-cost-item {
            background: #fff;
            border: 1px solid rgba(26, 93, 74, 0.12);
            border-radius: 12px;
            overflow: hidden;
            transition: all 0.3s ease;
        }

        @media (max-width: 768px) {
            .ff-costs-accordion {
                grid-template-columns: 1fr;
            }
        }

        .ff-cost-item:hover {
            border-color: var(--ff-emerald-light);
        }

        .ff-cost-item.active {
            border-color: var(--ff-emerald);
            box-shadow: 0 4px 16px rgba(26, 93, 74, 0.1);
        }

        .ff-cost-header {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 18px 24px;
            cursor: pointer;
            background: transparent;
            border: none;
            width: 100%;
            text-align: left;
            transition: background 0.3s ease;
        }

        .ff-cost-header:hover {
            background: rgba(26, 93, 74, 0.03);
        }

        .ff-cost-header-left {
            display: flex;
            align-items: center;
            gap: 14px;
        }

        .ff-cost-header-left svg {
            width: 22px;
            height: 22px;
            stroke: var(--ff-emerald);
        }

        .ff-cost-header-left span {
            font-family: var(--font-heading);
            font-size: 1rem;
            font-weight: 600;
            color: var(--ff-deep);
        }

        .ff-cost-header-right {
            display: flex;
            align-items: center;
            gap: 12px;
        }

        .ff-cost-price {
            font-family: var(--font-heading);
            font-size: 0.95rem;
            font-weight: 700;
            color: var(--ff-amber);
            background: rgba(212, 168, 83, 0.1);
            padding: 4px 12px;
            border-radius: 20px;
        }

        .ff-cost-toggle {
            width: 28px;
            height: 28px;
            border-radius: 50%;
            background: var(--ff-stone);
            display: flex;
            align-items: center;
            justify-content: center;
            transition: all 0.3s ease;
        }

        .ff-cost-toggle svg {
            width: 16px;
            height: 16px;
            stroke: var(--ff-emerald);
            transition: transform 0.3s ease;
        }

        .ff-cost-item.active .ff-cost-toggle {
            background: var(--ff-emerald);
        }

        .ff-cost-item.active .ff-cost-toggle svg {
            stroke: #fff;
            transform: rotate(180deg);
        }

        .ff-cost-content {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.3s ease;
        }

        .ff-cost-item.active .ff-cost-content {
            max-height: 200px;
        }

        .ff-cost-content-inner {
            padding: 0 24px 20px;
            font-size: 0.9rem;
            color: var(--ff-text-light);
            line-height: 1.7;
        }

        .ff-costs-note {
            margin-top: 32px;
            padding: 16px 20px;
            background: linear-gradient(135deg, rgba(212, 168, 83, 0.08), rgba(212, 168, 83, 0.03));
            border: 1px solid rgba(212, 168, 83, 0.2);
            border-radius: 10px;
            display: flex;
            align-items: flex-start;
            gap: 12px;
            font-size: 0.85rem;
            color: var(--ff-text-light);
        }

        .ff-costs-note svg {
            width: 20px;
            height: 20px;
            flex-shrink: 0;
            stroke: var(--ff-amber);
        }

        /* ========================================
           SECTION 5 - REFUND POLICY
           ======================================== */
        .ff-refund {
            padding: 80px 0;
            background: linear-gradient(180deg, #fff 0%, var(--ff-cream) 100%);
        }

        .ff-refund-container {
            max-width: 900px;
            margin: 0 auto;
            padding: 0 24px;
        }

        .ff-refund-box {
            background: linear-gradient(135deg, rgba(26, 93, 74, 0.04), rgba(45, 122, 104, 0.02));
            border: 1px solid rgba(26, 93, 74, 0.15);
            border-radius: 20px;
            padding: 40px;
            margin-top: 40px;
        }

        .ff-refund-header {
            display: flex;
            align-items: center;
            gap: 16px;
            margin-bottom: 24px;
        }

        .ff-refund-icon {
            width: 56px;
            height: 56px;
            border-radius: 14px;
            background: linear-gradient(135deg, var(--ff-emerald), var(--ff-teal));
            display: flex;
            align-items: center;
            justify-content: center;
        }

        .ff-refund-icon svg {
            width: 28px;
            height: 28px;
            stroke: #fff;
        }

        .ff-refund-header h3 {
            font-family: var(--font-heading);
            font-size: 1.5rem;
            font-weight: 700;
            color: var(--ff-deep);
            margin: 0;
        }

        .ff-refund-intro {
            font-size: 1rem;
            color: var(--ff-text-light);
            line-height: 1.7;
            margin-bottom: 28px;
        }

        .ff-refund-points {
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 16px;
        }

        .ff-refund-point {
            display: flex;
            align-items: flex-start;
            gap: 12px;
            padding: 16px;
            background: #fff;
            border-radius: 12px;
            border: 1px solid rgba(26, 93, 74, 0.08);
        }

        .ff-refund-point svg {
            width: 20px;
            height: 20px;
            flex-shrink: 0;
            stroke: var(--ff-emerald);
            margin-top: 2px;
        }

        .ff-refund-point span {
            font-size: 0.9rem;
            color: var(--ff-text);
            line-height: 1.5;
        }

        .ff-refund-cta {
            margin-top: 28px;
            text-align: center;
        }

        .ff-refund-link {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            font-family: var(--font-heading);
            font-size: 0.95rem;
            font-weight: 600;
            color: var(--ff-emerald);
            text-decoration: none;
            transition: all 0.3s ease;
        }

        .ff-refund-link:hover {
            color: var(--ff-deep);
            gap: 12px;
        }

        .ff-refund-link svg {
            width: 18px;
            height: 18px;
        }

        @media (max-width: 640px) {
            .ff-refund-box {
                padding: 28px 24px;
            }
            .ff-refund-points {
                grid-template-columns: 1fr;
            }
        }

        /* ========================================
           SECTION 6 - FAQs
           ======================================== */
        .ff-faq {
            padding: 100px 0;
            background: var(--er-warm-white);
        }

        .ff-faq-container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 24px;
        }

        .ff-faq-list {
            margin-top: 48px;
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 16px;
        }

        @media (max-width: 768px) {
            .ff-faq-list {
                grid-template-columns: 1fr;
            }
        }

        .ff-faq-item {
            background: #fff;
            border-radius: 14px;
            border: 1px solid rgba(26, 93, 74, 0.1);
            overflow: hidden;
            transition: all 0.3s ease;
        }

        .ff-faq-item:hover {
            border-color: var(--ff-emerald-light);
        }

        .ff-faq-item.active {
            border-color: var(--ff-emerald);
            box-shadow: 0 6px 24px rgba(26, 93, 74, 0.1);
        }

        .ff-faq-question {
            display: flex;
            align-items: center;
            justify-content: space-between;
            padding: 20px 24px;
            cursor: pointer;
            background: transparent;
            border: none;
            width: 100%;
            text-align: left;
            gap: 16px;
        }

        .ff-faq-question span {
            font-family: var(--font-heading);
            font-size: 1rem;
            font-weight: 600;
            color: var(--ff-deep);
            flex: 1;
        }

        .ff-faq-toggle {
            width: 32px;
            height: 32px;
            border-radius: 50%;
            background: var(--ff-stone);
            display: flex;
            align-items: center;
            justify-content: center;
            flex-shrink: 0;
            transition: all 0.3s ease;
        }

        .ff-faq-toggle svg {
            width: 18px;
            height: 18px;
            stroke: var(--ff-emerald);
            transition: transform 0.3s ease;
        }

        .ff-faq-item.active .ff-faq-toggle {
            background: var(--ff-emerald);
        }

        .ff-faq-item.active .ff-faq-toggle svg {
            stroke: #fff;
            transform: rotate(45deg);
        }

        .ff-faq-answer {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.4s ease;
        }

        .ff-faq-item.active .ff-faq-answer {
            max-height: 300px;
        }

        .ff-faq-answer-inner {
            padding: 0 24px 24px;
            font-size: 0.95rem;
            color: var(--ff-text-light);
            line-height: 1.7;
        }

        .ff-faq-more {
            text-align: center;
            margin-top: 32px;
        }

        .ff-faq-more-link {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            padding: 14px 28px;
            background: var(--ff-emerald);
            color: #fff;
            font-family: var(--font-heading);
            font-size: 0.95rem;
            font-weight: 600;
            border-radius: 50px;
            text-decoration: none;
            transition: all 0.3s ease;
        }

        .ff-faq-more-link:hover {
            background: var(--ff-deep);
            transform: translateY(-2px);
            box-shadow: 0 8px 20px rgba(26, 93, 74, 0.25);
        }

        .ff-faq-more-link svg {
            width: 18px;
            height: 18px;
        }