:root {
            --teal: #0A7C6E;
            --sage: #869B7E;
            --white: #FFFFFF;
        }

        body {
            font-family: 'Montserrat', sans-serif;
            background-color: var(--white);
            color: #2D3436;
            scroll-behavior: smooth;
        }

        h1, h2, h3, .fintech-font {
            font-family: 'Share Tech', sans-serif;
            text-transform: uppercase;
        }

        /* HEADER ANIMATION */
        header {
            transition: all 0.4s ease;
        }
        header.scrolled {
            background: white;
            box-shadow: 0 4px 20px rgba(0,0,0,0.08);
            padding: 15px 40px;
        }

        /* HERO GRADIENT */
        .hero-bg {
            background: linear-gradient(135deg, #0A7C6E 0%, #1a3a36 100%);
            position: relative;
            overflow: hidden;
        }
        .hero-bg::before {
            content: '';
            position: absolute;
            inset: 0;
            background-image: radial-gradient(circle at 2px 2px, rgba(255,255,255,0.05) 1px, transparent 0);
            background-size: 40px 40px;
        }

        /* ANIMATIONS */
        .reveal {
            opacity: 0;
            transform: translateY(30px);
            transition: all 0.8s cubic-bezier(0.16, 1, 0.3, 1);
        }
        .reveal.active {
            opacity: 1;
            transform: translateY(0);
        }

        /* TICKER */
        .ticker-wrap {
            overflow: hidden;
            background: var(--teal);
            padding: 20px 0;
            white-space: nowrap;
        }
        .ticker-move {
            display: inline-block;
            animation: ticker 30s linear infinite;
        }
        @keyframes ticker {
            0% { transform: translateX(0); }
            100% { transform: translateX(-50%); }
        }

        /* CARDS */
        .category-card {
            transition: all 0.4s ease;
            border: 1px solid rgba(10, 124, 110, 0.1);
        }
        .category-card:hover {
            transform: translateY(-10px);
            box-shadow: 0 20px 40px rgba(10, 124, 110, 0.15);
            border-color: var(--teal);
        }

        /* MOBILE MENU */
        #mobileMenu {
            transition: transform 0.5s cubic-bezier(0.77, 0.2, 0.05, 1);
            transform: translateX(100%);
        }
        #mobileMenu.active {
            transform: translateX(0);
        }