:root {
  --hfj3-primary: #5a8f21;
  --hfj3-primary-dark: #456e19;
  --hfj3-accent: #aa235e;
  --hfj3-bg: #f8faf9;
  --hfj3-surface: #ffffff;
  --hfj3-text: #2d3748;
  --hfj3-text-mut: #718096;
  --hfj3-border: rgba(90, 143, 33, 0.15);
  --hfj3-glass-bg: rgba(255, 255, 255, 0.85);
  --hfj3-radius: 8px;
  --hfj3-font-head: 'Poppins', sans-serif;
  --hfj3-font-body: 'Nunito', sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--hfj3-font-body); background-color: var(--hfj3-bg); color: var(--hfj3-text); line-height: 1.6; overflow-x: hidden; width: 100%; }
a { color: var(--hfj3-primary); text-decoration: none; transition: 0.3s ease; }
img { max-width: 100%; height: auto; display: block; }

/* Utils */
.hfj3-container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.hfj3-glass { background: var(--hfj3-glass-bg); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border: 1px solid var(--hfj3-border); border-radius: var(--hfj3-radius); box-shadow: 0 4px 20px rgba(0,0,0,0.04); }
.hfj3-glow:hover { box-shadow: 0 0 15px rgba(170, 35, 94, 0.5); transform: translateY(-2px); }
.hfj3-anim { opacity: 0; transform: translateY(20px); transition: all 0.6s cubic-bezier(0.16, 1, 0.3, 1); }
.hfj3-anim.hfj3-in-view { opacity: 1; transform: translateY(0); }

/* Header */
.hfj3-header { background: var(--hfj3-surface); box-shadow: 0 2px 10px rgba(0,0,0,0.05); position: sticky; top: 0; z-index: 100; }
.hfj3-header-inner { display: flex; justify-content: space-between; align-items: center; height: 70px; }
.hfj3-logo { font-family: var(--hfj3-font-head); font-size: 1.5rem; font-weight: 800; color: var(--hfj3-primary); letter-spacing: -0.5px; }
.hfj3-nav-list { display: flex; gap: 2rem; list-style: none; }
.hfj3-nav-item a { font-weight: 600; color: var(--hfj3-text); font-size: 0.95rem; }
.hfj3-nav-item a:hover { color: var(--hfj3-accent); }
.hfj3-menu-toggle { display: none; background: none; border: none; cursor: pointer; flex-direction: column; gap: 5px; width: 30px; }
.hfj3-menu-toggle span { display: block; width: 100%; height: 3px; background: var(--hfj3-primary); border-radius: 2px; transition: 0.3s; }

/* Ticker */
.hfj3-ticker-wrap { background: var(--hfj3-primary-dark); color: #fff; padding: 10px 0; overflow-x: hidden; display: flex; }
.hfj3-ticker-track { display: flex; white-space: nowrap; width: max-content; animation: hfj3-marquee 25s linear infinite; }
.hfj3-ticker-item { padding: 0 2rem; font-size: 0.9rem; font-weight: 600; }
.hfj3-ticker-item a { color: #fff; text-decoration: none; display: flex; align-items: center; gap: 8px; }
.hfj3-ticker-item a::before { content: '⚡'; }
@keyframes hfj3-marquee { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }

/* Buttons */
.hfj3-btn { display: inline-flex; align-items: center; justify-content: center; padding: 0.75rem 1.5rem; border-radius: var(--hfj3-radius); font-weight: 700; font-family: var(--hfj3-font-head); transition: 0.3s; cursor: pointer; border: 2px solid transparent; }
.hfj3-btn-primary { background: var(--hfj3-primary); color: #fff; }
.hfj3-btn-primary:hover { background: var(--hfj3-accent); box-shadow: 0 0 15px rgba(170, 35, 94, 0.4); }
.hfj3-btn-outline { background: transparent; border-color: var(--hfj3-primary); color: var(--hfj3-primary); }
.hfj3-btn-outline:hover { background: var(--hfj3-primary); color: #fff; }

/* Hero */
.hfj3-hero { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; padding: 4rem 1.5rem; }
.hfj3-hero-title { font-family: var(--hfj3-font-head); font-size: 2.8rem; line-height: 1.2; font-weight: 800; color: var(--hfj3-text); margin: 1rem 0; }
.hfj3-badge-chip { display: inline-block; background: var(--hfj3-accent); color: #fff; padding: 0.4rem 1rem; border-radius: 20px; font-size: 0.85rem; font-weight: 700; }
.hfj3-hero-desc { font-size: 1.1rem; color: var(--hfj3-text-mut); margin-bottom: 2rem; }
.hfj3-hero-actions { display: flex; gap: 1rem; }
.hfj3-hero-img-wrap { padding: 1rem; }
.hfj3-hero-img { border-radius: var(--hfj3-radius); width: 100%; height: auto; }

/* Stats */
.hfj3-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; margin-bottom: 4rem; }
.hfj3-stat-card { text-align: center; padding: 2rem 1rem; transition: 0.3s; }
.hfj3-stat-card:hover { transform: translateY(-5px); box-shadow: 0 10px 25px rgba(90, 143, 33, 0.15); }
.hfj3-stat-card h3 { font-family: var(--hfj3-font-head); font-size: 2.5rem; color: var(--hfj3-primary); margin-bottom: 0.5rem; line-height: 1; }
.hfj3-stat-card p { font-weight: 600; color: var(--hfj3-text-mut); font-size: 0.95rem; }

/* Sections */
.hfj3-section-head { text-align: center; margin-bottom: 2.5rem; }
.hfj3-section-head h2 { font-family: var(--hfj3-font-head); font-size: 2rem; color: var(--hfj3-text); margin-bottom: 0.5rem; }
.hfj3-section-head p { color: var(--hfj3-text-mut); font-size: 1.05rem; }

/* Showcase & Chips */
.hfj3-showcase, .hfj3-benefits, .hfj3-comparison, .hfj3-steps, .hfj3-payments, .hfj3-article-section { margin-bottom: 5rem; }
.hfj3-chip-row { display: flex; gap: 0.8rem; justify-content: center; flex-wrap: wrap; margin-bottom: 2rem; }
.hfj3-chip-row .hfj3-badge-chip { background: var(--hfj3-surface); color: var(--hfj3-text-mut); border: 1px solid var(--hfj3-border); cursor: pointer; transition: 0.3s; }
.hfj3-chip-row .hfj3-badge-chip:hover, .hfj3-chip-row .hfj3-badge-chip.hfj3-active { background: var(--hfj3-primary); color: #fff; }

/* Card Grid */
.hfj3-card-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 1.5rem; }
.hfj3-card { display: block; overflow: hidden; padding: 0.8rem; transition: transform 0.3s, box-shadow 0.3s; }
.hfj3-card:hover { transform: translateY(-5px); box-shadow: 0 10px 20px rgba(170, 35, 94, 0.15); }
.hfj3-card-img-wrap { position: relative; border-radius: var(--hfj3-radius); overflow: hidden; margin-bottom: 1rem; }
.hfj3-card-img-wrap img { width: 100%; aspect-ratio: 4/3; object-fit: cover; transition: transform 0.5s; }
.hfj3-card:hover .hfj3-card-img-wrap img { transform: scale(1.05); }
.hfj3-card-badge { position: absolute; top: 10px; right: 10px; background: rgba(0,0,0,0.7); color: #fff; padding: 4px 10px; border-radius: 4px; font-size: 0.8rem; font-weight: 700; }
.hfj3-card-title { font-family: var(--hfj3-font-head); font-size: 1.1rem; color: var(--hfj3-text); margin-bottom: 0.2rem; }
.hfj3-card-sub { font-size: 0.85rem; color: var(--hfj3-text-mut); }

/* Benefits */
.hfj3-benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.hfj3-benefit-card { padding: 2.5rem 1.5rem; text-align: center; }
.hfj3-b-icon { font-size: 3rem; margin-bottom: 1rem; }
.hfj3-benefit-card h3 { font-family: var(--hfj3-font-head); color: var(--hfj3-primary); margin-bottom: 1rem; font-size: 1.25rem; }
.hfj3-benefit-card p { font-size: 0.95rem; color: var(--hfj3-text-mut); }

/* Comparison Table */
.hfj3-table-wrap { overflow-x: auto; padding: 1rem; }
.hfj3-table { width: 100%; border-collapse: collapse; min-width: 600px; }
.hfj3-table th, .hfj3-table td { padding: 1rem; text-align: left; border-bottom: 1px solid var(--hfj3-border); }
.hfj3-table th { font-family: var(--hfj3-font-head); color: var(--hfj3-primary); background: rgba(90, 143, 33, 0.05); }
.hfj3-table tr:last-child td { border-bottom: none; }

/* Steps */
.hfj3-step-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; position: relative; }
.hfj3-step-grid::before { content: ''; position: absolute; top: 25px; left: 10%; right: 10%; height: 2px; background: dashed 2px var(--hfj3-border); z-index: -1; }
.hfj3-step-item { text-align: center; }
.hfj3-step-num { width: 50px; height: 50px; background: var(--hfj3-primary); color: #fff; font-family: var(--hfj3-font-head); font-size: 1.5rem; font-weight: 800; display: flex; align-items: center; justify-content: center; border-radius: 50%; margin: 0 auto 1.5rem; box-shadow: 0 0 0 8px var(--hfj3-bg); }
.hfj3-step-item h3 { font-family: var(--hfj3-font-head); margin-bottom: 0.8rem; color: var(--hfj3-text); }
.hfj3-step-item p { font-size: 0.95rem; color: var(--hfj3-text-mut); }

/* Payments */
.hfj3-payment-chips { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }
.hfj3-pay-pill { padding: 1rem 2rem; font-family: var(--hfj3-font-head); font-weight: 600; color: var(--hfj3-text); }

/* Subpage Additions */
.hfj3-page-main { padding-top: 3rem; }
.hfj3-crumbs { display: flex; flex-wrap: wrap; gap: 0.5rem; font-size: 0.9rem; margin-bottom: 2rem; }
.hfj3-crumb-link { color: var(--hfj3-text-mut); }
.hfj3-crumb-link::after { content: '/'; margin-left: 0.5rem; color: var(--hfj3-border); }
.hfj3-crumb-link:last-child::after { content: ''; }
.hfj3-crumb-link:last-child { color: var(--hfj3-primary); font-weight: 600; pointer-events: none; }
.hfj3-page-header { margin-bottom: 3rem; text-align: center; }
.hfj3-page-title { font-family: var(--hfj3-font-head); font-size: 2.5rem; color: var(--hfj3-primary); margin-bottom: 1rem; }
.hfj3-meta-desc { font-size: 1.1rem; color: var(--hfj3-text-mut); max-width: 800px; margin: 0 auto; }

/* Article Styling */
.hfj3-article-wrap { padding: 3rem; margin-bottom: 3rem; }
.hfj3-article-wrap h2, .hfj3-article-wrap h3 { font-family: var(--hfj3-font-head); color: var(--hfj3-primary); margin: 2rem 0 1rem; }
.hfj3-article-wrap h2 { font-size: 1.8rem; border-bottom: 2px solid var(--hfj3-border); padding-bottom: 0.5rem; }
.hfj3-article-wrap h3 { font-size: 1.4rem; }
.hfj3-article-wrap p { margin-bottom: 1.5rem; font-size: 1rem; line-height: 1.8; }
.hfj3-article-wrap ul, .hfj3-article-wrap ol { margin-bottom: 1.5rem; padding-left: 1.5rem; }
.hfj3-article-wrap li { margin-bottom: 0.5rem; font-size: 1rem; }
.hfj3-article-wrap blockquote { border-left: 4px solid var(--hfj3-accent); padding: 1rem 1.5rem; background: rgba(170, 35, 94, 0.05); border-radius: 0 var(--hfj3-radius) var(--hfj3-radius) 0; margin-bottom: 1.5rem; font-style: italic; }
.hfj3-article-wrap figure { margin-bottom: 1.5rem; }
.hfj3-article-wrap figure img { border-radius: var(--hfj3-radius); width: 100%; }
.hfj3-article-wrap table { width: 100%; margin-bottom: 1.5rem; border-collapse: collapse; }
.hfj3-article-wrap th, .hfj3-article-wrap td { border: 1px solid var(--hfj3-border); padding: 0.75rem; text-align: left; }
.hfj3-article-wrap th { background: rgba(90, 143, 33, 0.05); }

/* FAQ */
.hfj3-faq-container { margin-bottom: 3rem; }
.hfj3-faq-head { font-family: var(--hfj3-font-head); font-size: 1.8rem; text-align: center; margin-bottom: 2rem; }
.hfj3-faq-item { background: var(--hfj3-surface); border: 1px solid var(--hfj3-border); border-radius: var(--hfj3-radius); margin-bottom: 1rem; overflow: hidden; }
.hfj3-faq-summary { padding: 1.25rem 1.5rem; cursor: pointer; font-family: var(--hfj3-font-head); font-weight: 600; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; align-items: center; }
.hfj3-faq-summary::-webkit-details-marker { display: none; }
.hfj3-faq-summary::after { content: '+'; font-size: 1.5rem; color: var(--hfj3-primary); transition: 0.3s; }
.hfj3-faq-item[open] .hfj3-faq-summary::after { transform: rotate(45deg); color: var(--hfj3-accent); }
.hfj3-faq-body { padding: 0 1.5rem 1.25rem; font-size: 0.95rem; color: var(--hfj3-text-mut); line-height: 1.6; }

/* Pager & Related */
.hfj3-pager { display: flex; justify-content: space-between; margin-bottom: 3rem; border-top: 1px solid var(--hfj3-border); padding-top: 1.5rem; }
.hfj3-pager-link { padding: 0.8rem 1.5rem; background: var(--hfj3-surface); border: 1px solid var(--hfj3-border); border-radius: var(--hfj3-radius); font-weight: 600; transition: 0.3s; }
.hfj3-pager-link:hover { background: var(--hfj3-primary); color: #fff; }
.hfj3-related { margin-bottom: 4rem; }

/* Footer */
.hfj3-footer { background: #1a202c; color: #a0aec0; padding: 4rem 0 2rem; font-size: 0.9rem; }
.hfj3-footer-inner { display: grid; grid-template-columns: 1fr 2fr; gap: 3rem; margin-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,0.1); padding-bottom: 3rem; }
.hfj3-footer-logo { font-family: var(--hfj3-font-head); font-size: 2rem; font-weight: 800; color: #fff; margin-bottom: 1rem; }
.hfj3-footer-links { display: flex; flex-wrap: wrap; gap: 1.5rem; }
.hfj3-footer-links a { color: #cbd5e0; text-decoration: none; }
.hfj3-footer-links a:hover { color: var(--hfj3-primary); }
.hfj3-legal { font-size: 0.85rem; margin-bottom: 1rem; line-height: 1.6; }
.hfj3-copyright { text-align: center; color: #718096; }

/* Responsive */
@media (max-width: 900px) {
  .hfj3-hero { grid-template-columns: 1fr; text-align: center; padding: 3rem 1.5rem; }
  .hfj3-hero-actions { justify-content: center; }
  .hfj3-stats { grid-template-columns: repeat(2, 1fr); }
  .hfj3-benefit-grid, .hfj3-step-grid { grid-template-columns: 1fr; }
  .hfj3-step-grid::before { display: none; }
  .hfj3-footer-inner { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
  .hfj3-nav-list { display: none; position: absolute; top: 70px; left: 0; width: 100%; background: var(--hfj3-surface); flex-direction: column; padding: 1rem 0; box-shadow: 0 4px 6px rgba(0,0,0,0.05); gap: 0; }
  .hfj3-nav-list.hfj3-active { display: flex; }
  .hfj3-nav-item a { display: block; padding: 1rem 1.5rem; border-bottom: 1px solid var(--hfj3-border); }
  .hfj3-menu-toggle { display: flex; }
  .hfj3-hero-title { font-size: 2.2rem; }
  .hfj3-stats { grid-template-columns: 1fr; }
  .hfj3-article-wrap { padding: 1.5rem; }
  .hfj3-article-wrap p, .hfj3-article-wrap li { font-size: 15px; }
  .hfj3-hero-actions { flex-direction: column; }
}