:root{--bg:#0d1a27;--bg2:#142638;--panel:#172a3d;--text:#fff;--muted:#c5d2de;--line:rgba(255,255,255,.17)}
body{background:radial-gradient(circle at 78% 8%,rgba(74,180,255,.18),transparent 34%),radial-gradient(circle at 15% 30%,rgba(241,139,56,.1),transparent 28%),linear-gradient(180deg,#0b1825 0%,#132436 52%,#0e1c2b 100%)}
.nav{background:rgba(11,24,37,.9)}
.btn{min-height:52px;font-weight:800}
.btn-secondary{background:#173f60!important;border-color:#69c0ff!important;color:#fff!important;box-shadow:0 8px 24px rgba(20,96,150,.2)}
.btn-secondary:hover{background:#235b85!important;transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,#ffc078,#e46f24)!important;color:#111820!important}
.card{background:linear-gradient(150deg,rgba(31,55,77,.98),rgba(21,40,58,.98));border-color:rgba(255,255,255,.17)}
.section:nth-of-type(even){background:rgba(255,255,255,.025)}
.list li{color:#edf4fa;border-bottom-color:rgba(255,255,255,.1)}
.monthly{background:linear-gradient(100deg,rgba(74,180,255,.14),rgba(241,139,56,.11));border-color:rgba(74,180,255,.6)}
.form{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.16);padding:24px;border-radius:18px}
input,select,textarea{background:#13283a;border-color:rgba(255,255,255,.2)}
.step{background:rgba(255,255,255,.055);border-radius:0 12px 12px 0}