/* FD Hero Section */
  .fd-hero {
    background: linear-gradient(135deg, var(--clr-blue-900) 0%, var(--clr-blue-700) 100%);
    padding: var(--sp-16) 0 var(--sp-12);
    position: relative;
    overflow: hidden;
    color: var(--clr-white);
  }
  .fd-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at bottom right, rgba(63, 174, 42, 0.2) 0%, transparent 70%);
  }
  .fd-hero__content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--sp-10);
    align-items: center;
  }
  @media (min-width: 900px) {
    .fd-hero__content {
      grid-template-columns: 1.2fr 0.8fr;
    }
  }
  .fd-hero__title {
    font-family: var(--ff-heading);
    font-size: clamp(2.2rem, 4vw, 3.2rem);
    font-weight: 800;
    margin-bottom: var(--sp-4);
    line-height: 1.15;
    animation: fadeInUp 0.8s ease-out both;
  }
  .fd-hero__title span {
    color: var(--clr-green-400);
  }
  .fd-hero__desc {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: var(--sp-6);
    line-height: 1.6;
    animation: fadeInUp 0.8s 0.2s ease-out both;
  }
  .fd-hero__actions {
    display: flex;
    gap: var(--sp-4);
    animation: fadeInUp 0.8s 0.4s ease-out both;
  }
  
  .fd-hero__graphic {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-2xl);
    padding: var(--sp-8);
    text-align: center;
    backdrop-filter: blur(12px);
    animation: slideInRight 1s ease-out both;
  }
  .rate-badge {
    background: var(--clr-white);
    color: var(--clr-blue-900);
    display: inline-block;
    padding: var(--sp-6) var(--sp-8);
    border-radius: var(--radius-xl);
    box-shadow: 0 10px 30px rgba(0,0,0,0.25);
    position: relative;
  }
  .rate-badge::before {
    content: 'Guaranteed Returns';
    position: absolute;
    top: -15px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--clr-green-500);
    color: var(--clr-white);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: 700;
    white-space: nowrap;
    text-transform: uppercase;
    letter-spacing: 1px;
  }
  .rate-badge__number {
    font-family: var(--ff-heading);
    font-size: 3.5rem;
    font-weight: 800;
    color: var(--clr-blue-600);
    line-height: 1;
    margin-top: var(--sp-2);
  }
  .rate-badge__label {
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--clr-gray-500);
    margin-top: var(--sp-3);
  }

  /* FD Section Base */
  .fd-section {
    padding: var(--sp-20) 0;
    background: var(--clr-white);
  }
  .fd-section--alt {
    background: var(--clr-gray-50);
  }
  
  .section-header {
    text-align: center;
    margin-bottom: var(--sp-12);
  }
  .section-title {
    font-family: var(--ff-heading);
    font-size: clamp(2rem, 4vw, 2.8rem);
    color: var(--clr-blue-900);
    margin-bottom: var(--sp-4);
  }
  .section-divider {
    width: 60px;
    height: 4px;
    background: linear-gradient(90deg, var(--clr-green-400), var(--clr-blue-400));
    margin: 0 auto;
    border-radius: var(--radius-full);
  }

  /* Benefits Grid */
  .benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--sp-8);
  }
  .benefit-card {
    padding: var(--sp-8);
    background: var(--clr-white);
    border-radius: var(--radius-xl);
    border-top: 4px solid var(--clr-blue-300);
    box-shadow: var(--shadow-sm);
    transition: transform var(--duration-fast), box-shadow var(--duration-fast), border-color var(--duration-fast);
  }
  .benefit-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--clr-green-500);
  }
  .benefit-icon {
    width: 50px;
    height: 50px;
    color: var(--clr-blue-600);
    margin-bottom: var(--sp-4);
  }
  .benefit-icon svg {
    width: 100%;
    height: 100%;
    stroke-width: 1.5;
  }
  .benefit-card h3 {
    font-size: 1.3rem;
    color: var(--clr-blue-900);
    margin-bottom: var(--sp-3);
  }
  .benefit-card p {
    color: var(--clr-gray-600);
    line-height: 1.6;
    font-size: 0.95rem;
  }

  /* Info Split Layout */
  .info-split {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--sp-10);
  }
  @media (min-width: 800px) {
    .info-split {
      grid-template-columns: 1fr 1fr;
    }
  }
  .info-block {
    background: var(--clr-white);
    padding: var(--sp-10);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
  }
  .info-block h3 {
    font-family: var(--ff-heading);
    font-size: 1.6rem;
    color: var(--clr-blue-900);
    margin-bottom: var(--sp-6);
    display: flex;
    align-items: center;
    gap: var(--sp-3);
  }
  .info-block ul {
    list-style: none;
    padding: 0;
  }
  .info-block li {
    position: relative;
    padding-left: var(--sp-8);
    margin-bottom: var(--sp-4);
    color: var(--clr-gray-700);
    line-height: 1.6;
  }
  .info-block li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 5px;
    width: 20px;
    height: 20px;
    background: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" stroke="%233fae2a" stroke-width="2"><path stroke-linecap="round" stroke-linejoin="round" d="M5 13l4 4L19 7"/></svg>') no-repeat center center;
  }

  /* Call to action */
  .fd-cta {
    background: var(--clr-green-50);
    padding: var(--sp-16) 0;
    text-align: center;
    border-top: 1px solid var(--clr-green-100);
  }
  .fd-cta h2 {
    font-family: var(--ff-heading);
    font-size: 2.2rem;
    color: var(--clr-blue-900);
    margin-bottom: var(--sp-4);
  }
  .fd-cta p {
    color: var(--clr-gray-600);
    font-size: 1.1rem;
    margin-bottom: var(--sp-8);
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
  }

  @keyframes fadeInUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
  }
  @keyframes slideInRight {
    from { opacity: 0; transform: translateX(30px); }
    to { opacity: 1; transform: translateX(0); }
  }