:root {
    --color-primary: #2F7A83;
    --color-secondary: #1D5F60;
    --color-tertiary: #B8F3F2;
    --color-quaternary: #EEFFFC;
    --color-accent: #3AEDC8;
    --color-white: #ffffff;
    --color-gray-light: #f7f9fa;
    --color-gray: #6b757e;
    --color-dark: #1f2831;
    --font-primary: 'Inter', sans-serif;
    --transition: all 0.3s ease;
}

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

body {
    font-family: var(--font-primary);
    font-size: 1.0625rem;
    line-height: 1.65;
    color: var(--color-dark);
    background: var(--color-white);
    overflow-x: hidden;
}

.tb-header {
    position: fixed;
    top: 0;
    width: 100%;
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(14px);
    border-bottom: 1px solid rgba(47, 122, 131, 0.12);
    z-index: 1000;
    padding: 0.875rem 0;
    box-shadow: 0 2px 16px rgba(31, 40, 49, 0.04);
}

.tb-header__container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 1.25rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.tb-header__logo {
    display: flex;
    align-items: center;
    gap: 0.625rem;
    text-decoration: none;
}

.tb-header__logo-img {
    height: 42px;
    width: auto;
}

.tb-header__logo-text {
    font-size: 1.1rem;
    color: var(--color-gray);
    font-weight: 500;
    letter-spacing: 0.02em;
}

.tb-header__nav {
    display: flex;
    align-items: center;
    gap: 2.25rem;
}

.tb-header__menu {
    display: flex;
    gap: 1.875rem;
    list-style: none;
}

.tb-header__link {
    color: var(--color-dark);
    text-decoration: none;
    font-size: 0.9375rem;
    font-weight: 500;
    transition: var(--transition);
    position: relative;
}

.tb-header__link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--color-primary);
    transition: var(--transition);
}

.tb-header__link:hover {
    color: var(--color-primary);
}

.tb-header__link:hover::after {
    width: 100%;
}

.tb-header__cta {
    padding: 0.625rem 1.5rem;
    background: var(--color-primary);
    color: var(--color-white);
    text-decoration: none;
    border-radius: 6px;
    font-size: 0.9375rem;
    font-weight: 600;
    transition: var(--transition);
    border: none;
    cursor: pointer;
}

.tb-header__cta:hover {
    background: var(--color-secondary);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(47, 122, 131, 0.25);
}

.tb-hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 9rem 0 5rem;
    background: linear-gradient(135deg, rgba(238, 255, 252, 0.5) 0%, rgba(184, 243, 242, 0.2) 100%);
    position: relative;
    overflow: hidden;
}

.tb-hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(184, 243, 242, 0.3) 0%, transparent 70%);
    border-radius: 50%;
}

.tb-hero__container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 1.25rem;
    position: relative;
    z-index: 1;
    display: flex;
    align-items: center;
    gap: 40px;
}

.tb-hero__content {
    max-width: 720px;
}

.tb-hero__title {
    font-size: 3.125rem;
    font-weight: 700;
    line-height: 1.2;
    color: var(--color-dark);
    margin-bottom: 1.5rem;
}

.tb-hero__subtitle {
    font-size: 1.25rem;
    line-height: 1.6;
    color: var(--color-gray);
    margin-bottom: 2.5rem;
}

.tb-hero__actions {
    display: flex;
    gap: 1.25rem;
    flex-wrap: wrap;
}

.tb-btn {
    padding: 0.875rem 2rem;
    border-radius: 6px;
    font-size: 1rem;
    font-weight: 600;
    text-decoration: none;
    transition: var(--transition);
    display: inline-block;
    border: none;
    cursor: pointer;
}

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

.tb-btn--primary:hover {
    background: var(--color-secondary);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(47, 122, 131, 0.3);
}

.tb-btn--secondary {
    background: var(--color-white);
    color: var(--color-primary);
    border: 2px solid var(--color-primary);
}

.tb-btn--secondary:hover {
    background: var(--color-quaternary);
    border-color: var(--color-secondary);
    color: var(--color-secondary);
}

.tb-hero__visual {
    margin-top: 4rem;
}

.tb-hero__visual img {
    width: 100%;
    border-radius: 12px;
    box-shadow: 0 24px 64px rgba(31, 40, 49, 0.15);
    max-width: 400px;
}

.tb-section {
    padding: 6rem 0;
}

.tb-section--alt {
    background: var(--color-quaternary);
}

.tb-container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 1.25rem;
}

.tb-section__header {
    text-align: center;
    margin-bottom: 4rem;
}

.tb-section__title {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 1rem;
}

.tb-section__subtitle {
    font-size: 1.125rem;
    color: var(--color-gray);
    max-width: 680px;
    margin: 0 auto;
}

.tb-currents {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 3rem;
}

.tb-current {
    position: relative;
    padding-left: 2rem;
}

.tb-current::before {
    content: '';
    position: absolute;
    left: 0;
    top: 0;
    width: 4px;
    height: 100%;
    background: linear-gradient(180deg, var(--color-primary) 0%, var(--color-tertiary) 100%);
    border-radius: 2px;
}

.tb-current__title {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 1rem;
}

.tb-current__list {
    list-style: none;
}

.tb-current__item {
    padding: 0.625rem 0;
    color: var(--color-gray);
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.tb-current__item::before {
    content: '';
    width: 8px;
    height: 8px;
    background: var(--color-tertiary);
    border-radius: 50%;
    flex-shrink: 0;
}

.tb-frictions {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.tb-friction {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1.25rem;
    background: var(--color-white);
    border-radius: 8px;
    border-left: 4px solid var(--color-primary);
    transition: var(--transition);
}

.tb-friction:hover {
    transform: translateX(6px);
    box-shadow: 0 6px 20px rgba(31, 40, 49, 0.08);
}

.tb-friction__icon {
    width: 48px;
    height: 48px;
    background: var(--color-quaternary);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-primary);
    font-size: 1.5rem;
    flex-shrink: 0;
}

.tb-friction__text {
    color: var(--color-dark);
    font-weight: 600;
}

.tb-moments {
    display: flex;
    flex-direction: column;
    gap: 3rem;
}

.tb-moment {
    display: grid;
    grid-template-columns: 80px 1fr;
    gap: 2rem;
    align-items: start;
}

.tb-moment__number {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    font-weight: 700;
    color: var(--color-white);
}

.tb-moment__content h3 {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 0.75rem;
}

.tb-moment__content p {
    color: var(--color-gray);
    line-height: 1.7;
}

.tb-moment__highlight {
    margin-top: 1rem;
    padding: 1rem 1.5rem;
    background: var(--color-quaternary);
    border-left: 4px solid var(--color-tertiary);
    border-radius: 6px;
    font-weight: 600;
    color: var(--color-primary);
}

.tb-criteria {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.tb-criterion {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.tb-criterion__label {
    min-width: 200px;
    font-weight: 600;
    color: var(--color-dark);
}

.tb-criterion__bar {
    flex: 1;
    height: 12px;
    background: var(--color-gray-light);
    border-radius: 6px;
    overflow: hidden;
    position: relative;
}

.tb-criterion__fill {
    height: 100%;
    background: linear-gradient(90deg, var(--color-primary) 0%, var(--color-accent) 100%);
    border-radius: 6px;
    transition: width 1s ease;
}

.tb-neobanking {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 3rem;
}

.tb-neobanking__item h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 1rem;
}

.tb-neobanking__item p {
    color: var(--color-gray);
    line-height: 1.7;
}

.tb-glossary {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 1.5rem;
}

.tb-glossary__term {
    padding: 1.25rem;
    background: var(--color-white);
    border-radius: 8px;
    border-top: 3px solid var(--color-tertiary);
    transition: var(--transition);
}

.tb-glossary__term:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(31, 40, 49, 0.1);
}

.tb-glossary__word {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--color-primary);
    margin-bottom: 0.5rem;
}

.tb-glossary__definition {
    color: var(--color-gray);
    font-size: 0.9375rem;
}

.tb-faq {
    max-width: 880px;
    margin: 0 auto;
}

.tb-faq__item {
    margin-bottom: 1.25rem;
    background: var(--color-white);
    border-radius: 8px;
    overflow: hidden;
    border: 1px solid rgba(47, 122, 131, 0.15);
    transition: var(--transition);
}

.tb-faq__item.active {
    border-color: var(--color-primary);
    box-shadow: 0 4px 16px rgba(47, 122, 131, 0.12);
}

.tb-faq__question {
    padding: 1.5rem;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--color-dark);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition);
}

.tb-faq__question:hover {
    color: var(--color-primary);
}

.tb-faq__icon {
    font-size: 1.25rem;
    color: var(--color-primary);
    transition: var(--transition);
}

.tb-faq__item.active .tb-faq__icon {
    transform: rotate(180deg);
}

.tb-faq__answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}

.tb-faq__answer.active {
    max-height: 500px;
}

.tb-faq__answer-content {
    padding: 0 1.5rem 1.5rem;
    color: var(--color-gray);
    line-height: 1.7;
}

.tb-contact {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}

.tb-contact__info h3 {
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 1.5rem;
}

.tb-contact__steps {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.tb-contact__step {
    display: flex;
    align-items: start;
    gap: 1rem;
}

.tb-contact__step-number {
    width: 36px;
    height: 36px;
    background: var(--color-tertiary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: var(--color-primary);
    flex-shrink: 0;
}

.tb-contact__step-text {
    color: var(--color-gray);
    padding-top: 0.375rem;
}

.tb-form {
    background: var(--color-white);
    padding: 2.5rem;
    border-radius: 12px;
    box-shadow: 0 8px 32px rgba(31, 40, 49, 0.08);
}

.tb-form__group {
    margin-bottom: 1.5rem;
}

.tb-form__label {
    display: block;
    font-weight: 600;
    color: var(--color-dark);
    margin-bottom: 0.625rem;
}

.tb-form__input,
.tb-form__textarea {
    width: 100%;
    padding: 0.875rem 1.25rem;
    border: 2px solid rgba(47, 122, 131, 0.2);
    border-radius: 6px;
    font-family: var(--font-primary);
    font-size: 1rem;
    color: var(--color-dark);
    transition: var(--transition);
}

.tb-form__input:focus,
.tb-form__textarea:focus {
    outline: none;
    border-color: var(--color-primary);
    box-shadow: 0 0 0 4px rgba(47, 122, 131, 0.1);
}

.tb-form__textarea {
    resize: vertical;
    min-height: 140px;
}

.tb-form__error {
    color: #dc3545;
    font-size: 0.875rem;
    margin-top: 0.375rem;
    display: block;
}

.tb-form__submit {
    width: 100%;
    padding: 1rem;
    background: var(--color-secondary);
    color: var(--color-white);
    border: none;
    border-radius: 6px;
    font-size: 1.0625rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
}

.tb-form__submit:hover {
    background: var(--color-primary);
    box-shadow: 0 0 0 6px rgba(58, 237, 200, 0.25);
}

.tb-footer {
    background: var(--color-dark);
    color: var(--color-gray-light);
    padding: 4rem 0 2rem;
}

.tb-footer__content {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.tb-footer__brand h3 {
    font-size: 1.5rem;
    color: var(--color-white);
    margin-bottom: 1rem;
}

.tb-footer__brand p {
    color: var(--color-gray);
    line-height: 1.7;
}

.tb-footer__section h4 {
    font-size: 1.125rem;
    color: var(--color-white);
    margin-bottom: 1.25rem;
    font-weight: 600;
}

.tb-footer__links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.tb-footer__link {
    color: var(--color-gray);
    text-decoration: none;
    transition: var(--transition);
}

.tb-footer__link:hover {
    color: var(--color-tertiary);
    padding-left: 4px;
}

.tb-footer__bottom {
    padding-top: 2rem;
    border-top: 1px solid rgba(184, 243, 242, 0.15);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.tb-footer__copyright {
    color: var(--color-gray);
    font-size: 0.9375rem;
}

.tb-footer__legal {
    display: flex;
    gap: 1.5rem;
    list-style: none;
}

.tb-cookie-notice {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--color-white);
    border-top: 2px solid var(--color-primary);
    box-shadow: 0 -4px 24px rgba(31, 40, 49, 0.15);
    padding: 1.5rem 0;
    z-index: 9999;
    transform: translateY(100%);
    transition: transform 0.4s ease;
    display: none;
}

.tb-cookie-notice.show {
    transform: translateY(0);
}

.tb-cookie-notice.hide {
    transform: translateY(100%);
}

.tb-cookie-notice__container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 1.25rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
}

.tb-cookie-notice__text {
    flex: 1;
    color: var(--color-dark);
}

.tb-cookie-notice__text a {
    color: var(--color-primary);
    text-decoration: underline;
}

.tb-cookie-notice__actions {
    display: flex;
    gap: 1rem;
}

.tb-cookie-notice__btn {
    padding: 0.75rem 1.5rem;
    border-radius: 6px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    border: none;
    font-size: 0.9375rem;
}

.tb-cookie-notice__btn--accept {
    background: var(--color-primary);
    color: var(--color-white);
}

.tb-cookie-notice__btn--accept:hover {
    background: var(--color-secondary);
}

.tb-cookie-notice__btn--decline {
    background: var(--color-gray-light);
    color: var(--color-dark);
}

.tb-cookie-notice__btn--decline:hover {
    background: var(--color-gray);
    color: var(--color-white);
}

.tb-image {
    width: 100%;
    border-radius: 12px;
    box-shadow: 0 16px 48px rgba(31, 40, 49, 0.12);
    margin: 2rem auto;
    max-width: 500px;
}

@media (max-width: 968px) {
    .tb-header__nav {
        display: none;
    }

    .tb-hero__title {
        font-size: 2.25rem;
    }

    .tb-section__title {
        font-size: 2rem;
    }

    .tb-contact {
        grid-template-columns: 1fr;
    }

    .tb-footer__content {
        grid-template-columns: 1fr 1fr;
    }

    .tb-cookie-notice__container {
        flex-direction: column;
        text-align: center;
    }
}

@media (max-width: 640px) {
    .tb-hero__title {
        font-size: 1.875rem;
    }

    .tb-hero__actions {
        flex-direction: column;
    }

    .tb-btn {
        width: 100%;
        text-align: center;
    }

    .tb-section {
        padding: 4rem 0;
    }

    .tb-footer__content {
        grid-template-columns: 1fr;
    }

    .tb-footer__bottom {
        flex-direction: column;
        gap: 1rem;
        text-align: center;
    }

    .tb-cookie-notice__actions {
        flex-direction: column;
        width: 100%;
    }

    .tb-cookie-notice__btn {
        width: 100%;
    }
}