body{
  font-family:'Poppins',sans-serif;
  scroll-behavior:smooth;
}

.hero-bg{
  background:
    radial-gradient(circle at top right, rgba(255,215,0,0.25), transparent 25%),
    radial-gradient(circle at bottom left, rgba(59,130,246,0.25), transparent 25%),
    linear-gradient(135deg,#06142e,#0a2c6d 55%,#123b8a);
}

.glass{
  background:rgba(255,255,255,0.12);
  backdrop-filter:blur(14px);
  border:1px solid rgba(255,255,255,0.18);
}

.card-hover{
  transition:all .35s ease;
}

.card-hover:hover{
  transform:translateY(-10px);
  box-shadow:0 24px 50px rgba(0,0,0,.15);
}

.gold{
  color:#fbbf24;
}

.btn-gold{
  background:linear-gradient(135deg,#f59e0b,#facc15);
}

.rate-glow{
  box-shadow:0 0 30px rgba(250,204,21,.25);
}

.floating{
  animation:float 4s ease-in-out infinite;
}

@keyframes float{
  0%,100%{transform:translateY(0)}
  50%{transform:translateY(-10px)}
}