/* Savings Hero */
  .savings-hero {
    background: linear-gradient(135deg, var(--clr-blue-900) 0%, var(--clr-blue-800) 100%);
    padding: var(--sp-16) 0 var(--sp-12);
    position: relative;
    overflow: hidden;
    color: var(--clr-white);
  }

  .savings-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top right, rgba(63, 174, 42, 0.15) 0%, transparent 60%);
  }

  .savings-hero__content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--sp-10);
    align-items: center;
  }

  @media (min-width: 900px) {
    .savings-hero__content {
      grid-template-columns: 1fr 1fr;
    }
  }

  .savings-hero__title {
    font-family: var(--ff-heading);
    font-size: clamp(2.5rem, 4vw, 3.5rem);
    font-weight: 800;
    margin-bottom: var(--sp-4);
    line-height: 1.1;
    animation: fadeInUp 0.8s ease-out both;
  }

  .savings-hero__title span {
    color: var(--clr-green-400);
  }

  .savings-hero__desc {
    font-size: 1.15rem;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: var(--sp-6);
    line-height: 1.6;
    animation: fadeInUp 0.8s 0.2s ease-out both;
  }

  .savings-hero__actions {
    display: flex;
    gap: var(--sp-4);
    animation: fadeInUp 0.8s 0.4s ease-out both;
  }

  .savings-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(10px);
    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, 0.2);
  }

  .rate-badge__number {
    font-family: var(--ff-heading);
    font-size: 3rem;
    font-weight: 800;
    color: var(--clr-green-600);
    line-height: 1;
  }

  .rate-badge__label {
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-weight: 600;
    color: var(--clr-gray-500);
    margin-top: var(--sp-2);
  }

  /* Section Styles */
  .savings-section {
    padding: var(--sp-20) 0;
    background: var(--clr-white);
  }

  .savings-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);
  }

  /* Features Grid */
  .features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--sp-8);
  }

  .feature-card {
    padding: var(--sp-8);
    background: var(--clr-white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--clr-gray-200);
    box-shadow: var(--shadow-sm);
    transition: transform var(--duration-fast), box-shadow var(--duration-fast);
  }

  .feature-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
  }

  .feature-icon {
    width: 60px;
    height: 60px;
    background: var(--clr-blue-50);
    color: var(--clr-blue-600);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--sp-6);
  }

  .feature-icon svg {
    width: 28px;
    height: 28px;
  }

  .feature-card h3 {
    font-size: 1.25rem;
    color: var(--clr-blue-900);
    margin-bottom: var(--sp-3);
  }

  .feature-card p {
    color: var(--clr-gray-600);
    line-height: 1.6;
    font-size: 0.95rem;
  }

  /* Split Content (Eligibility & KYC) */
  .split-layout {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--sp-12);
  }

  @media (min-width: 800px) {
    .split-layout {
      grid-template-columns: 1fr 1fr;
      gap: var(--sp-16);
    }
  }

  .info-box {
    background: var(--clr-white);
    padding: var(--sp-8);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    border-top: 4px solid var(--clr-green-500);
  }

  .info-box--blue {
    border-top-color: var(--clr-blue-500);
  }

  .info-box h3 {
    font-size: 1.5rem;
    color: var(--clr-blue-900);
    margin-bottom: var(--sp-6);
    display: flex;
    align-items: center;
    gap: var(--sp-3);
  }

  .info-box h3 svg {
    width: 24px;
    height: 24px;
    color: inherit;
  }

  .details-list {
    list-style: none;
    padding: 0;
    margin: 0;
  }

  .details-list li {
    position: relative;
    padding-left: var(--sp-8);
    margin-bottom: var(--sp-4);
    color: var(--clr-gray-700);
    line-height: 1.5;
  }

  .details-list li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 4px;
    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;
    background-size: contain;
  }

  /* CTA Banner */
  .savings-cta {
    background: var(--clr-blue-900);
    padding: var(--sp-16) 0;
    text-align: center;
    color: var(--clr-white);
    position: relative;
    overflow: hidden;
  }

  .savings-cta::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" fill="%23ffffff" opacity="0.05"><path d="M0 100 Q 25 50 50 100 T 100 100 Z"/></svg>') repeat-x bottom/1000px;
  }

  .savings-cta h2 {
    font-family: var(--ff-heading);
    font-size: 2.2rem;
    margin-bottom: var(--sp-6);
  }

  @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);
    }
  }