* {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }

        body {
            font-family: 'Avenir', 'Segoe UI', sans-serif;
            line-height: 1.6;
            color: #333;
            overflow-x: hidden;
        }

        /* Optimized Header - Removed heavy backdrop-filter */
        .header {
            background: rgba(255, 255, 255, 0.97);
            padding: 1.5rem 0;
            position: relative;
            box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
            border-bottom: 3px solid;
            border-image: linear-gradient(90deg, #fdc500, #ee3238, #fdc500) 1;
            will-change: transform;
        }

        .header-content {
            max-width: 1200px;
            margin: 0 auto;
            display: flex;
            flex-direction: column;
            align-items: center;
            text-align: center;
            padding: 0 2rem;
            gap: 1.0rem;
        }

        .tlc-logo {
            height: 90px;
            width: auto;
            filter: drop-shadow(0 2px 4px rgba(0,0,0,0.1));
            transition: transform 0.2s ease;
        }

        .tlc-logo:hover {
            transform: translateY(-2px);
        }

        .tagline {
            color: #052d4a;
            font-size: 1.2rem;
            font-weight: 600;
            line-height: 1.4;
            max-width: 1000px;
            position: relative;
        }

        .highlight-rates {
            color: #ee3238;
            font-weight: 700;
            position: relative;
        }

        .highlight-cash {
            color: #03a9e7;
            font-weight: 700;
            position: relative;
        }

        .promo-red-text {
            color: #052d4a;
            font-size: 1.1rem;
            font-weight: 600;
        }

        .promo-tnc {
            color: #6b7280;
            font-size: 0.9rem;
            font-weight: 400;
        }

        /* Optimized Hero Section for Performance and Mobile UX */
        .hero {
            background: #052d4a;
            min-height: 90vh;
            display: flex;
            align-items: center;
            padding: 3rem 0;
            position: relative;
            overflow: hidden;
            /* Removed will-change and transform for better performance */
        }

        .hero::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            bottom: 0;
            background: 
                linear-gradient(120deg, rgba(5, 45, 74, 0.7) 0%, rgba(5, 45, 74, 0.5) 100%),
                url('https://res.cloudinary.com/dheuvrpwd/image/upload/w_1280,h_720,c_fill,f_auto,q_auto:eco/v1750225077/hero_tlc-1_vs73qu.avif');
            background-size: cover;
            background-position: center;
            background-repeat: no-repeat;
            opacity: 0.3;
            z-index: 1;
            /* Removed will-change and transform for better performance */
        }

        .hero-content {
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 3rem;
            align-items: center;
            padding: 0 2rem;
            position: relative;
            z-index: 2;
        }

        .hero-text h1 {
            font-size: 3rem;
            font-weight: 700;
            color: #fdc500;
            margin-bottom: 1rem;
            text-shadow: 1px 1px 2px rgba(0,0,0,0.3);
            line-height: 1.2;
        }

        .hero-text p {
            font-size: 1.2rem;
            color: rgba(255, 255, 255, 0.95);
            margin-bottom: 2rem;
            line-height: 1.6;
        }

        .hero-stats {
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 2rem;
            margin-top: 2rem;
        }

        .stat-item {
            text-align: center;
            color: white;
            background: rgba(255, 255, 255, 0.1);
            padding: 1.5rem;
            border-radius: 12px;
            border: 1px solid rgba(253, 197, 0, 0.3);
            /* backdrop-filter: blur(5px); Removed for scroll performance */
            transition: transform 0.2s ease;
        }

        .stat-item:hover {
            transform: translateY(-2px);
        }

        .stat-number {
            font-size: 2.5rem;
            font-weight: 700;
            color: #fdc500;
            display: block;
            line-height: 1;
        }

        .stat-label {
            font-size: 1rem;
            opacity: 0.9;
            margin-top: 0.5rem;
        }

        /* Optimized Form Container - Reduced backdrop-filter usage */
        .form-container {
            background: rgba(255, 255, 255, 0.98);
            padding: 2.5rem;
            border-radius: 20px;
            box-shadow: 0 10px 30px rgba(0,0,0,0.15);
            border: 1px solid rgba(253, 197, 0, 0.3);
            max-width: 550px;
            width: 100%;
            position: relative;
            /* backdrop-filter: blur(10px); Removed for scroll performance */
        }

        .form-header {
            text-align: center;
            margin-bottom: 2rem;
        }

        .form-header h3 {
            color: #052d4a;
            font-size: 1.8rem;
            margin-bottom: 0.5rem;
            font-weight: 700;
        }

        .form-header p {
            color: #6b7280;
            font-size: 1rem;
        }

        .progress-bar {
            width: 100%;
            height: 6px;
            background: #e5e7eb;
            border-radius: 3px;
            margin-bottom: 1.5rem;
            overflow: hidden;
        }

        .progress-fill {
            height: 100%;
            background: linear-gradient(90deg, #fdc500, #ee3238);
            transition: width 0.3s ease;
            border-radius: 3px;
            width: 50%;
        }

        .step-indicator {
            display: flex;
            justify-content: space-between;
            align-items: center;
            margin-bottom: 2rem;
        }

        .step {
            display: flex;
            align-items: center;
            gap: 0.5rem;
            color: #9ca3af;
            font-size: 0.9rem;
        }

        .step.active {
            color: #fdc500;
            font-weight: 600;
        }

        .step-number {
            width: 28px;
            height: 28px;
            border-radius: 50%;
            background: #e5e7eb;
            display: flex;
            align-items: center;
            justify-content: center;
            font-weight: 600;
            font-size: 0.85rem;
            transition: all 0.3s ease;
        }

        .step.active .step-number {
            background: linear-gradient(135deg, #fdc500, #ee3238);
            color: white;
        }

        .form-page {
            display: none;
            opacity: 0;
            transform: translateY(10px);
            transition: opacity 0.3s ease, transform 0.3s ease;
        }

        .form-page.active {
            display: block;
            opacity: 1;
            transform: translateY(0);
        }

        .form-group {
            margin-bottom: 1.5rem;
        }

        .form-group label {
            display: block;
            margin-bottom: 0.8rem;
            font-weight: 600;
            color: #052d4a;
            font-size: 0.95rem;
        }

        .form-group input,
        .form-group select {
            width: 100%;
            padding: 1rem;
            border: 2px solid #e5e7eb;
            border-radius: 10px;
            font-size: 1rem;
            transition: border-color 0.2s ease, box-shadow 0.2s ease;
            font-family: inherit;
            background: white;
        }

        .form-group input:focus,
        .form-group select:focus {
            outline: none;
            border-color: #fdc500;
            box-shadow: 0 0 0 3px rgba(253, 197, 0, 0.1);
        }

        .form-group input:hover,
        .form-group select:hover {
            border-color: #d1d5db;
        }

        .button-group {
            display: flex;
            gap: 1rem;
            margin-top: 2rem;
        }

        .btn {
            flex: 1;
            padding: 1rem 2rem;
            border: none;
            border-radius: 25px;
            font-size: 1rem;
            font-weight: 600;
            cursor: pointer;
            transition: all 0.2s ease;
            font-family: inherit;
            text-transform: uppercase;
            letter-spacing: 0.5px;
        }

        .btn-primary {
            background: linear-gradient(135deg, #fdc500, #ee3238);
            color: white;
            box-shadow: 0 4px 15px rgba(253, 197, 0, 0.3);
        }

        .btn-primary:hover {
            transform: translateY(-2px);
            box-shadow: 0 6px 20px rgba(253, 197, 0, 0.4);
        }

        .btn-secondary {
            background: transparent;
            color: #6b7280;
            border: 2px solid #e5e7eb;
        }

        .btn-secondary:hover {
            background: #f9fafb;
            border-color: #d1d5db;
        }

        .btn:disabled {
            opacity: 0.6;
            cursor: not-allowed;
            transform: none !important;
        }

        .hidden {
            display: none !important;
        }

        .success-message {
            text-align: center;
            padding: 2.5rem 2rem 2rem 2rem;
            background: #fff;
            border-radius: 18px;
            box-shadow: 0 6px 32px rgba(16,185,129,0.08);
            border: 2px solid #10b981;
            margin-top: 1.5rem;
            max-width: 400px;
            margin-left: auto;
            margin-right: auto;
            position: relative;
            color: #10b981;
        }
        .success-message h4 {
            font-size: 2rem;
            margin-bottom: 1rem;
            color: #10b981;
            font-weight: 700;
        }
        .success-message p {
            color: #333;
            font-size: 1.1rem;
            margin-bottom: 0;
        }
        .success-message .btn {
            margin-top: 1rem;
            width: 100%;
            max-width: 260px;
        }
        .success-message::before {
            display: none;
        }

        /* Loading overlay */
        .loading-overlay {
            position: fixed;
            top: 0; left: 0; right: 0; bottom: 0;
            background: transparent;
            z-index: 9999;
            display: flex;
            align-items: center;
            justify-content: center;
        }
        .loading-spinner {
            border: 4px solid #e5e7eb;
            border-top: 4px solid #10b981;
            border-radius: 50%;
            width: 36px;
            height: 36px;
            animation: spin 1s linear infinite;
        }
        @keyframes spin {
            0% { transform: rotate(0deg); }
            100% { transform: rotate(360deg); }
        }

        /* Mobile Responsive Design */
        @media (max-width: 768px) {
            .header {
                padding: 1.2rem 0;
            }

            .header-content {
                gap: 1rem;
                padding: 0 1rem;
            }

            .tlc-logo {
                height: 90px;
            }

            .tagline {
                font-size: 0.85rem;
            }

            .promo-red-text {
                font-size: 0.75rem;
            }

            .promo-tnc {
                font-size: 0.75rem;
            }

            .hero {
                min-height: 70vh;
                padding: 2rem 0;
            }

            .hero-content {
                grid-template-columns: 1fr;
                gap: 2rem;
                padding: 0 1rem;
            }
            
            .hero-text h1 {
                font-size: 2rem;
                text-align: center;
            }
            
            .hero-text p {
                font-size: 1rem;
                text-align: center;
            }
            
            .hero-stats {
                gap: 1rem;
            }

            .stat-item {
                padding: 1rem;
            }

            .stat-number {
                font-size: 2rem;
            }

            .form-container {
                padding: 1.5rem;
            }
            
            .form-header h3 {
                font-size: 1.5rem;
            }
            
            .step-indicator {
                gap: 0.5rem;
            }

            .step {
                font-size: 0.8rem;
            }
        }

        @media (max-width: 480px) {
            .hero {
                min-height: 60vh;
                padding: 1.2rem 0;
            }
            .hero-text h1 {
                font-size: 1.3rem;
            }
            .hero-text p {
                font-size: 0.95rem;
            }
            .hero::before {
                background: 
                    linear-gradient(120deg, rgba(5, 45, 74, 0.85) 0%, rgba(5, 45, 74, 0.7) 100%),
                    url('https://res.cloudinary.com/dheuvrpwd/image/upload/w_400,h_225,c_fill,f_auto,q_auto:eco/v1750225077/hero_tlc-1_vs73qu.avif');
                opacity: 0.45;
            }
        }

        /* Performance optimizations */
        .hero::before {
            transform: translateZ(0);
        }

        .stat-item,
        .form-container,
        .tlc-logo {
            transform: translateZ(0);
        }
        /* Partners Section */
        .partners {
            background: #f8f9fa;
            padding: 4rem 0;
        }

        .partners-content {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 2rem;
        }

        .partners h2 {
            text-align: center;
            font-size: 2.5rem;
            color: #052d4a;
            margin-bottom: 3rem;
        }

        /* Slider Container */
        .partners-slider {
            position: relative;
            overflow: hidden;
            width: 100%;
        }

        .partners-track {
            display: flex;
            animation: slide 20s linear infinite;
            gap: 3rem;
        }

        .tlc-partners-slide {
            flex: 0 0 auto;
            display: flex;
            align-items: center;
            justify-content: center;
            min-width: 180px;
            height: 80px;
        }

        .tlc-partners-slide img {
            max-width: 100%;
            max-height: 60px;
            object-fit: contain;
            transition: all 0.3s ease;
        }

        /* Slider Animation */
        @keyframes slide {
            0% {
                transform: translateX(0);
            }
            100% {
                transform: translateX(-100%);
            }
        }

        /* Pause animation on hover */
        .partners-slider:hover .partners-track {
            animation-play-state: paused;
        }

        /* Duplicate track for seamless loop */
        .partners-track::after {
            content: '';
            display: flex;
            gap: 3rem;
        }

        /* Mobile Responsive */
        @media (max-width: 768px) {
            .partners {
                padding: 3rem 0;
            }

            .partners-content {
                padding: 0 1rem;
            }

            .partners h2 {
                font-size: 2rem;
                margin-bottom: 2rem;
            }

            .tlc-partners-slide {
                min-width: 150px;
                height: 60px;
            }

            .tlc-partners-slide img {
                max-height: 45px;
            }

            .partners-track {
                gap: 2rem;
                animation-duration: 15s;
            }
        }

        @media (max-width: 480px) {
            .partners h2 {
                font-size: 1.5rem;
            }

            .tlc-partners-slide {
                min-width: 120px;
                height: 50px;
            }

            .tlc-partners-slide img {
                max-height: 35px;
            }

            .partners-track {
                gap: 1.5rem;
                animation-duration: 12s;
            }
        }
        
        /* Redesigned Why Choose Us Section */
        .why-choose {
            background: #f8f9fa;
            padding: 3rem 0;
            position: relative;
        }

        .why-choose::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 3px;
            background: linear-gradient(90deg, #fdc500, #ee3238, #fdc500);
            background-size: 200% 100%;
        }

        .why-choose-content {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 2rem;
        }

        /* Logo styling */
        .section-logo {
            text-align: center;
            margin-bottom: 2rem;
        }

        .section-logo img {
            width: 80px;
            height: 80px;
            object-fit: contain;
            filter: drop-shadow(0 4px 8px rgba(0,0,0,0.1));
            transition: transform 0.3s ease;
        }

        .section-logo img:hover {
            transform: scale(1.05);
        }

        .why-choose h2 {
            text-align: center;
            font-size: 2.5rem;
            margin-bottom: 1rem;
            color: #052d4a;
            font-weight: 700;
        }

        .section-subtitle {
            text-align: center;
            font-size: 1.2rem;
            color: #666;
            margin-bottom: 4rem;
            max-width: 600px;
            margin-left: auto;
            margin-right: auto;
        }

        .benefits-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
            gap: 2rem;
        }

        .benefit-card {
            background: white;
            padding: 2.5rem;
            border-radius: 16px;
            text-align: left;
            box-shadow: 0 4px 20px rgba(0,0,0,0.08);
            border: 1px solid rgba(253, 197, 0, 0.1);
            position: relative;
            transition: transform 0.2s ease, box-shadow 0.2s ease;
        }

        .benefit-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 8px 30px rgba(0,0,0,0.12);
        }

        .benefit-header {
            display: flex;
            align-items: center;
            gap: 1rem;
            margin-bottom: 1.5rem;
        }

        .benefit-icon {
            font-size: 2.5rem;
            width: 60px;
            height: 60px;
            display: flex;
            align-items: center;
            justify-content: center;
            background: rgba(253, 197, 0, 0.1);
            border-radius: 12px;
            flex-shrink: 0;
        }

        .benefit-card h3 {
            color: #052d4a;
            font-size: 1.4rem;
            margin: 0;
            font-weight: 600;
        }

        .benefit-card p {
            color: #666;
            line-height: 1.6;
            margin: 0;
        }

        .benefit-card::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            right: 0;
            height: 3px;
            background: linear-gradient(90deg, #052d4a, #03a9e7);
            border-radius: 16px 16px 0 0;
            opacity: 0;
            transition: opacity 0.2s ease;
        }

        .benefit-card:hover::before {
            opacity: 1;
        }

        /* Responsive Design */
        @media (max-width: 768px) {
            .why-choose {
                padding: 2rem 0;
            }
            
            .section-logo {
                margin-bottom: 1.5rem;
            }

            .section-logo img {
                width: 70px;
                height: 70px;
            }
            
            .why-choose h2 {
                font-size: 2rem;
            }
            
            .benefits-grid {
                grid-template-columns: 1fr;
                gap: 1.0rem;
            }
            
            .benefit-card {
                padding: 2rem;
            }
            
            .benefit-header {
                flex-direction: column;
                text-align: center;
                gap: 1rem;
            }
            
            .benefit-card {
                text-align: center;
            }
        }

        @media (max-width: 480px) {
            .why-choose-content {
                padding: 0 1rem;
            }
            
            .section-logo img {
                width: 60px;
                height: 60px;
            }
            
            .benefit-card {
                padding: 1.5rem;
            }
            
            .benefit-icon {
                width: 50px;
                height: 50px;
                font-size: 2rem;
            }
        }

/* FAQ Section */
.faq {
    background: linear-gradient(rgba(5, 45, 74, 0.8), rgba(5, 45, 74, 0.8)), url('https://theloanconnection.com.sg/wp-content/uploads/2025/04/property-decoupling-singapore-1-1000x667-1.jpg');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    padding: 5rem 0;
    position: relative;
    overflow: hidden;
}

.faq-content {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 2rem;
}

.faq h2 {
    text-align: center;
    font-size: 2.5rem;
    color: #fdc500;
    margin-bottom: 3rem;
}

.faq-item {
    margin-bottom: 1rem;
    border: 2px solid #e0e0e0;
    border-radius: 15px;
    overflow: hidden;
}

.faq-question {
    background: #f8f9fa;
    padding: 1.5rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-weight: 600;
    color: #052d4a;
    transition: all 0.3s ease;
}

.faq-question:hover {
    background: #fdc500;
    color: white;
}

.faq-answer {
    padding: 0;
    max-height: 0;
    overflow: hidden;
    transition: all 0.3s ease;
    background: white;
}

.faq-answer.open {
    padding: 1.5rem;
    max-height: 800px;
}

.faq-answer p {
    color: #6c757d;
    line-height: 1.6;
    margin-bottom: 1rem;
    font-size: 1rem;
}

.faq-answer p:last-child {
    margin-bottom: 0;
}

.faq-answer ul {
    color: #6c757d;
    line-height: 1.6;
    margin: 1rem 0;
    padding-left: 1.5rem;
}

.faq-answer li {
    margin-bottom: 0.5rem;
}

.faq-toggle {
    font-size: 1.5rem;
    transition: transform 0.3s ease;
}

.faq-item.open .faq-toggle {
    transform: rotate(180deg);
}

@media (max-width: 768px) {
    .faq-question {
        padding: 1.2rem 1.5rem;
        font-size: 1rem;
    }
    
    .faq-answer.open {
        padding: 1.2rem 1.5rem;
    }
    
    .faq h2 {
        font-size: 2rem;
    }
}

/* CTA Section */
.cta-section {
    background: f8f9fa; /* Changed from gradient to white */
    padding: 4rem 0;
    text-align: center;
}

.cta-content {
    max-width: 600px;
    margin: 0 auto;
    padding: 0 2rem;
}

.cta-section h2 {
    color: #052d4a; /* Dark text for white background */
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.cta-section p {
    color: #333; /* Slightly muted black for readability */
    font-size: 1.2rem;
    margin-bottom: 2rem;
    opacity: 0.95;
}

.cta-btn {
    background: #052d4a; /* Dark background for button */
    color: #f8f9fa; /* White text */
    padding: 1.2rem 3rem;
    border: none;
    border-radius: 50px;
    font-size: 1.2rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: 0 6px 20px rgba(0,0,0,0.1);
    font-family: 'Avenir', sans-serif;
    text-decoration: none;
    display: inline-block;
}

.cta-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(0,0,0,0.15);
}


/* Footer */
.footer {
    background: #052d4a;
    color: white;
    padding: 2rem 0;
    text-align: center;
}

.footer-content {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
}

.footer p {
    opacity: 0.8;
    font-size: 0.9rem;
}

/* Hidden class for conditional form field */
.hidden {
    display: none;
}

/* Mobile Responsive Design */
@media (max-width: 768px) {
    

    .partners h2 {
        font-size: 1.7rem;
    }

    .partners-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1rem;
    }

    .why-choose h2 {
        font-size: 1.7rem;
    }

    .benefits-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .benefit-card {
        padding: 2rem;
    }

    .faq h2 {
        font-size: 1.7rem;
    }

    .faq-question {
        padding: 1rem;
        font-size: 0.9rem;
    }

    .faq-answer.open {
        padding: 1rem;
    }

    .cta-section h2 {
        font-size: 1.7rem;
    }

    .cta-section p {
        font-size: 1.1rem;
    }

    .section-subtitle {
        font-size: 1rem;
        margin-bottom: 1.2rem;
    }

    .cta-btn {
        padding: 1rem 2rem;
        font-size: 1.1rem;
    }

    .radio-group {
        flex-direction: column;
        gap: 1rem;
    }
}

@media (max-width: 480px) {
    
    .partners-content {
        padding: 0 1rem;
    }

    .why-choose-content {
        padding: 0 1rem;
    }

    .faq-content {
        padding: 0 1rem;
    }

    .cta-content {
        padding: 0 1rem;
    }

    .footer-content {
        padding: 0 1rem;
    }
}

.form-error {
    color: #ee3238;
    font-size: 0.95rem;
    margin-top: 0.5rem;
    display: block;
    min-height: 1.2em;
    font-weight: 600;
}