/* ============================================================
   BFS — Best Financial Services
   Consolidated stylesheet  |  css/style.css
   ============================================================ */

/* ============================================================
   SHARED BASE — Loans pages + Services pages (17 files)
   ============================================================ */
:root {
  --navy: #0d2d6e;
  --blue: #1a52b8;
  --sky: #2e7dd6;
  --light-blue: #d4e8fa;
  --pale: #eef5fd;
  --white: #ffffff;
  --gold: #e8a020;
  --text: #1a2744;
  --muted: #5a7090;
  --border: #c8ddf5;
  --radius: 14px;
  --shadow: 0 4px 24px rgba(13,45,110,.10);
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  font-size: 16px;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 16px rgba(13,45,110,.07);
  overflow: visible;
}
.nav-top {
  background: var(--navy);
  color: rgba(255,255,255,.8);
  font-size: 13px;
  display: flex; justify-content: flex-end; gap: 24px;
  padding: 7px 48px;
}
.nav-top a { color: #ffffff; text-decoration: none; transition: color .2s; font-weight: 700; }
.nav-top span { color: #ffffff; font-weight: 700; }
.nav-top a:hover { color: white; }
.nav-main {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 32px; gap: 12px;
}
.logo-area { display: flex; align-items: center; gap: 12px; cursor: pointer; text-decoration: none; flex-shrink: 0; }
.logo-icon {
  width: 46px; height: 46px; min-width: 46px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 21px; font-weight: 800;
  box-shadow: 0 4px 12px rgba(13,45,110,.25);
}
.logo-text { line-height: 1.2; }
.logo-text strong { display: block; font-family: 'Playfair Display', serif; font-size: 17px; color: var(--navy); }
.logo-text span { font-size: 11px; color: var(--muted); letter-spacing: .4px; }

.nav-links { display: flex; align-items: center; gap: 4px; margin-right: 0; margin-left: 24px; padding-right: 8px; }
.nav-links a, .nav-links button {
  background: none; border: none; cursor: pointer;
  font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 500;
  color: var(--text); padding: 9px 13px; border-radius: 8px;
  text-decoration: none; transition: all .2s; white-space: nowrap;
}
.nav-links a:hover, .nav-links button:hover { background: var(--pale); color: var(--blue); }
.nav-links a.active, .nav-links button.active { color: var(--blue) !important; background: var(--pale) !important; font-weight: 700 !important; }
.nav-cta {
  background: var(--blue) !important; color: white !important;
  padding: 10px 20px !important; border-radius: 8px !important; font-weight: 700 !important;
}
.nav-cta:hover { background: var(--navy) !important; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(26,82,184,.3) !important; }

/* Dropdown */
.dropdown { position: relative; }
.dropdown-menu {
  display: none; position: absolute; top: calc(100% + 10px); left: 0;
  background: white; border: 1px solid var(--border);
  border-radius: 14px; box-shadow: 0 20px 50px rgba(13,45,110,.15);
  min-width: 260px; padding: 8px;
  grid-template-columns: 1fr 1fr; gap: 2px;
  z-index: 100;
}
.dropdown-menu.open { display: grid; }
.dropdown-menu a {
  display: flex !important; align-items: center; gap: 8px;
  font-size: 13px !important; padding: 10px 12px !important;
  border-radius: 8px; white-space: nowrap; text-decoration: none;
  color: var(--text) !important;
}
.dropdown-menu a:hover { background: var(--pale) !important; color: var(--blue) !important; }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; background: none; border: none; }
.hamburger span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; display: block; transition: all .3s; }

/* Mobile nav */
.mobile-menu {
  display: none; background: white;
  border-top: 1px solid var(--border);
  padding: 12px 0;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  max-height: 0;
  transition: max-height .4s ease;
}
.mobile-menu.open { display: block; max-height: calc(100vh - 130px); overflow-y: auto; }
.mobile-menu a, .mobile-menu button {
  display: flex; align-items: center; gap: 10px;
  width: 100%; text-align: left;
  padding: 13px 24px; border: none; background: none;
  font-family: 'DM Sans'; font-size: 15px; color: var(--text);
  cursor: pointer; text-decoration: none;
  border-bottom: 1px solid var(--pale);
  transition: background .15s;
}
.mobile-menu a:hover, .mobile-menu button:hover { background: var(--pale); color: var(--blue); }
.mobile-menu .m-section { padding: 8px 24px 4px; font-size: 11px; font-weight: 700; letter-spacing: 1.5px; color: var(--muted); text-transform: uppercase; background: none; border: none; }
.mobile-menu .m-cta { background: var(--blue); color: white !important; margin: 12px 24px; border-radius: 10px; justify-content: center; font-weight: 700; }
.mobile-menu .m-cta:hover { background: var(--navy); }

/* ── BUTTONS ── */
.btn-primary {
  background: white; color: var(--navy);
  padding: 14px 28px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s; box-shadow: 0 4px 20px rgba(0,0,0,.18);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,.22); }
.btn-outline {
  border: 2px solid rgba(255,255,255,.5); color: white;
  padding: 14px 28px; border-radius: 10px;
  font-weight: 600; font-size: 15px; cursor: pointer;
  background: transparent; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s;
}
.btn-outline:hover { background: rgba(255,255,255,.12); border-color: white; }
.btn-blue {
  background: var(--blue); color: white;
  padding: 13px 26px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s;
}
.btn-blue:hover { background: var(--navy); transform: translateY(-1px); }
.btn-white {
  background: white; color: var(--navy);
  padding: 15px 32px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s; white-space: nowrap;
}
.btn-white:hover { transform: scale(1.03); box-shadow: 0 8px 24px rgba(0,0,0,.15); }

/* ── SECTION COMMONS ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 48px; }
.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 56px 0; }
.section-label { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--sky); margin-bottom: 10px; }
.section-title { font-family: 'Playfair Display', serif; font-size: 38px; line-height: 1.2; color: var(--navy); margin-bottom: 14px; }
.section-sub { font-size: 16px; color: var(--muted); line-height: 1.75; max-width: 580px; }
.section-head { margin-bottom: 48px; }
.section-head.center { text-align: center; }
.section-head.center .section-sub { margin: 0 auto; }

/* ── HERO ── */
.hero {
  min-height: 90vh;
  background: linear-gradient(135deg, var(--navy) 0%, #1740a0 50%, var(--sky) 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center;
}
.hero-bg {
  position: absolute; inset: 0;
  background: radial-gradient(circle at 72% 48%, rgba(255,255,255,.08) 0%, transparent 60%),
              radial-gradient(circle at 18% 82%, rgba(46,125,214,.25) 0%, transparent 50%);
}
.hero-grid {
  position: absolute; inset: 0; opacity: .05;
  background-image: linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 48px 48px;
}
.hero-inner {
  position: relative; z-index: 2; width: 100%;
  padding: 80px 48px;
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center;
  max-width: 1300px; margin: 0 auto;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  color: white; font-size: 13px; padding: 7px 16px; border-radius: 100px;
  margin-bottom: 22px; backdrop-filter: blur(10px); font-weight: 500;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 54px; line-height: 1.08; color: white; margin-bottom: 18px;
}
.hero h1 span { color: #7ecdf5; }
.hero p { color: rgba(255,255,255,.82); font-size: 17px; line-height: 1.75; margin-bottom: 32px; max-width: 520px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-trust { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.trust-chip {
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.85); font-size: 12px; padding: 6px 14px; border-radius: 100px;
}
.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.stat-card {
  background: rgba(255,255,255,.13); backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 18px; padding: 26px 22px; text-align: center; color: white;
  transition: transform .25s;
}
.stat-card:hover { transform: translateY(-4px); }
.stat-card .num { font-family: 'Playfair Display', serif; font-size: 38px; font-weight: 800; color: white; display: block; }
.stat-card .lbl { font-size: 13px; color: rgba(255,255,255,.7); margin-top: 4px; }

/* Ticker */
.ticker-wrap {
  background: var(--navy); padding: 13px 0; overflow: hidden;
  border-bottom: 3px solid var(--gold);
}
.ticker-track { display: flex; gap: 40px; animation: ticker 30s linear infinite; width: max-content; }
.ticker-track span { color: rgba(255,255,255,.8); font-size: 13px; font-weight: 500; white-space: nowrap; }
.ticker-track span strong { color: var(--gold); }
@keyframes ticker { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }

/* ── WHY US ── */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.why-visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--sky) 100%);
  border-radius: 22px; aspect-ratio: 4/3; position: relative; overflow: hidden;
  display: flex; align-items: flex-end;
}
.why-visual-bg { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; font-size: 120px; opacity: .12; }
.why-visual-card {
  position: relative; z-index: 1; width: 100%;
  background: rgba(255,255,255,.12); backdrop-filter: blur(12px);
  border-top: 1px solid rgba(255,255,255,.2); padding: 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
}
.why-mini-stat { color: white; }
.why-mini-stat .n { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 800; }
.why-mini-stat .l { font-size: 12px; opacity: .7; margin-top: 2px; }
.why-items { display: flex; flex-direction: column; gap: 18px; }
.why-item {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--pale); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 20px; transition: all .22s;
}
.why-item:hover { border-color: var(--sky); transform: translateX(5px); box-shadow: var(--shadow); }
.why-icon { width: 44px; height: 44px; min-width: 44px; background: var(--blue); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.why-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.why-item p { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* ── LOAN CARDS ── */
.loans-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.loan-card {
  background: white; border: 1.5px solid var(--border);
  border-radius: 16px; padding: 22px; cursor: pointer;
  transition: all .25s; position: relative; overflow: hidden; text-decoration: none; display: block;
}
.loan-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--sky));
  transform: scaleX(0); transition: transform .3s; transform-origin: left;
}
.loan-card:hover { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(13,45,110,.13); border-color: var(--sky); }
.loan-card:hover::before { transform: scaleX(1); }
.loan-emoji { font-size: 30px; margin-bottom: 12px; display: block; }
.loan-card h3 { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 5px; }
.loan-rate { font-size: 12px; color: var(--sky); font-weight: 700; margin-bottom: 8px; }
.loan-card p { font-size: 12px; color: var(--muted); line-height: 1.6; }
.card-arrow { display: inline-flex; align-items: center; gap: 4px; font-size: 12px; font-weight: 600; color: var(--blue); margin-top: 12px; }

/* ── SERVICES CARDS ── */
.services-bg { background: var(--pale); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  background: white; border-radius: 18px; padding: 30px;
  border: 1.5px solid var(--border); cursor: pointer; transition: all .25s; text-decoration: none; display: block;
}
.service-card:hover { transform: translateY(-5px); box-shadow: 0 18px 44px rgba(13,45,110,.11); border-color: var(--blue); }
.service-icon { font-size: 40px; margin-bottom: 14px; }
.service-card h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.service-card p { font-size: 14px; color: var(--muted); line-height: 1.75; }
.learn-more { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; color: var(--blue); font-weight: 600; font-size: 14px; }

/* ── BANKS ── */
.banks-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 36px; }
.bank-pill {
  background: var(--pale); border: 1.5px solid var(--border);
  padding: 10px 22px; border-radius: 100px;
  font-size: 14px; font-weight: 600; color: var(--navy); transition: all .2s;
}
.bank-pill:hover { background: var(--blue); color: white; border-color: var(--blue); transform: translateY(-2px); }

/* ── STEPS ── */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.steps-grid::before {
  content: ''; position: absolute; top: 35px; left: 13%; right: 13%; height: 2px;
  background: linear-gradient(90deg, var(--border) 0%, var(--blue) 50%, var(--border) 100%);
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 68px; height: 68px; margin: 0 auto 18px;
  background: white; border: 3px solid var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 800; color: var(--blue);
  box-shadow: 0 0 0 8px var(--pale);
}
.step-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-item p { font-size: 13px; color: var(--muted); line-height: 1.65; }

/* ── CTA BANNER ── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 22px; padding: 56px 60px;
  display: flex; align-items: center; justify-content: space-between; gap: 40px;
}
.cta-banner-wrap { padding: 0 48px 80px; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: 34px; color: white; margin-bottom: 10px; }
.cta-banner p { color: rgba(255,255,255,.75); font-size: 16px; }

/* ── ABOUT ── */
.about-hero {
  background: linear-gradient(135deg, var(--navy), var(--sky));
  padding: 100px 48px; text-align: center; color: white;
}
.about-hero h1 { font-family: 'Playfair Display', serif; font-size: 50px; margin-bottom: 16px; }
.about-hero p { font-size: 18px; color: rgba(255,255,255,.8); max-width: 560px; margin: 0 auto; }
.about-body { max-width: 900px; margin: 0 auto; padding: 64px 48px; }
.about-body p { font-size: 16px; color: var(--muted); line-height: 1.9; margin-bottom: 20px; }
.team-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin: 40px 0; }
.team-stat { text-align: center; background: var(--pale); border: 1px solid var(--border); border-radius: 16px; padding: 26px 18px; }
.team-stat .num { font-family: 'Playfair Display', serif; font-size: 40px; color: var(--blue); font-weight: 800; }
.team-stat .lbl { font-size: 13px; color: var(--muted); margin-top: 6px; }
.about-h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 32px 0 14px; }

/* ── CONTACT ── */
.contact-hero { background: linear-gradient(135deg, var(--navy), var(--blue)); padding: 80px 48px 60px; color: white; }
.contact-hero h1 { font-family: 'Playfair Display', serif; font-size: 46px; margin-bottom: 14px; }
.contact-hero p { color: rgba(255,255,255,.8); font-size: 17px; max-width: 520px; }
.contact-body { display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; max-width: 1100px; margin: 0 auto; padding: 60px 48px; }
.contact-info h2 { font-family: 'Playfair Display', serif; font-size: 30px; color: var(--navy); margin-bottom: 14px; }
.contact-info > p { color: var(--muted); line-height: 1.8; margin-bottom: 28px; }
.contact-detail { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.contact-detail-icon { width: 46px; height: 46px; min-width: 46px; background: var(--pale); border: 1px solid var(--border); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.contact-detail h4 { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.contact-detail p { font-size: 14px; color: var(--muted); margin: 0; }
.promise-box { margin-top: 28px; padding: 20px; background: var(--pale); border: 1px solid var(--border); border-radius: 14px; }
.promise-box h4 { font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.promise-box p { font-size: 14px; color: var(--muted); line-height: 1.7; margin: 0; }
.contact-form-card { background: var(--pale); border: 1px solid var(--border); border-radius: 20px; padding: 32px; }
.contact-form-card h3 { font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 22px; }

/* ── FORMS ── */
.form-group { margin-bottom: 16px; }
.form-group label { font-size: 12px; font-weight: 700; color: var(--muted); display: block; margin-bottom: 7px; text-transform: uppercase; letter-spacing: .5px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: 10px;
  font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: white; outline: none; transition: border-color .2s; appearance: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,82,184,.08); }
.form-group textarea { height: 96px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-submit {
  width: 100%; background: var(--blue); color: white;
  border: none; padding: 15px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s;
}
.form-submit:hover { background: var(--navy); }

/* ── DETAIL HERO ── */
.detail-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 60%, var(--sky) 100%);
  padding: 72px 48px 56px; color: white; position: relative; overflow: hidden; text-align: center;
}
.detail-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(255,255,255,.07) 0%, transparent 60%);
}
.detail-hero-inner { position: relative; z-index: 1; max-width: 800px; margin: 0 auto; text-align: center; }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,.6); margin-bottom: 18px; }
.breadcrumb a { color: rgba(255,255,255,.6); text-decoration: none; }
.breadcrumb a:hover { color: white; }
.breadcrumb span { color: rgba(255,255,255,.9); }
.detail-emoji { font-size: 52px; margin-bottom: 14px; display: block; line-height: 1; }
.detail-hero h1 { font-family: 'Playfair Display', serif; font-size: 44px; margin-bottom: 14px; line-height: 1.1; }
.detail-hero p { font-size: 17px; color: rgba(255,255,255,.82); line-height: 1.75; max-width: 600px; margin: 0 auto; }
.rate-badge {
  display: inline-block; margin-top: 18px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  padding: 8px 20px; border-radius: 100px; font-size: 15px; font-weight: 700;
  text-align: center;
}
.detail-badges { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; justify-content: center; }
.detail-badge { background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.24); padding: 6px 14px; border-radius: 100px; font-size: 12px; font-weight: 600; }

/* ── DETAIL BODY ── */
.detail-body { max-width: 1200px; margin: 0 auto; padding: 56px 48px; display: grid; grid-template-columns: 1fr 340px; gap: 48px; align-items: start; }
.detail-content {}
.detail-content h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 36px 0 14px; }
.detail-content h2:first-of-type { margin-top: 0; }
.detail-content p { color: var(--muted); line-height: 1.85; font-size: 15px; margin-bottom: 16px; }
.detail-content ul { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.detail-content ul li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; color: var(--text); line-height: 1.6; }
.detail-content ul li::before {
  content: '✓'; min-width: 22px; height: 22px;
  background: var(--light-blue); color: var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 700; margin-top: 1px; flex-shrink: 0;
}

/* Info boxes */
.info-box {
  background: var(--pale); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 24px; margin: 24px 0;
}
.info-box h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 12px; display: flex; align-items: center; gap: 8px; }
.info-box p { font-size: 14px; color: var(--muted); margin: 0; line-height: 1.75; }
.info-box ul { margin: 0; }
.info-box ul li { font-size: 14px; }

.highlight-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: 14px; padding: 24px; margin: 24px 0; color: white;
}
.highlight-box h4 { font-size: 15px; font-weight: 700; margin-bottom: 10px; }
.highlight-box p { font-size: 14px; color: rgba(255,255,255,.8); margin: 0; line-height: 1.75; }

.rate-table { width: 100%; border-collapse: collapse; margin: 16px 0 24px; }
.rate-table th { background: var(--navy); color: white; padding: 12px 16px; text-align: left; font-size: 13px; font-weight: 600; }
.rate-table th:first-child { border-radius: 8px 0 0 0; }
.rate-table th:last-child { border-radius: 0 8px 0 0; }
.rate-table td { padding: 11px 16px; font-size: 13px; border-bottom: 1px solid var(--border); }
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--pale); }

.docs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.doc-item { background: var(--pale); border: 1px solid var(--border); border-radius: 8px; padding: 11px 14px; font-size: 13px; color: var(--text); display: flex; align-items: center; gap: 8px; }
.doc-item::before { content: '📄'; font-size: 14px; }

.eligibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 14px 0; }
.elig-card { background: white; border: 1.5px solid var(--border); border-radius: 12px; padding: 16px; }
.elig-card h5 { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.elig-card ul { margin: 0; }
.elig-card ul li { font-size: 12px; color: var(--muted); }
.elig-card ul li::before { width: 18px; height: 18px; font-size: 10px; }

.faq-item { border: 1px solid var(--border); border-radius: 12px; margin-bottom: 10px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: white; border: none; padding: 16px 20px; font-family: 'DM Sans'; font-size: 14px; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: background .2s; }
.faq-q:hover { background: var(--pale); }
.faq-q .arr { font-size: 18px; transition: transform .25s; }
.faq-q.open .arr { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 20px 16px; font-size: 14px; color: var(--muted); line-height: 1.75; background: var(--pale); }
.faq-a.open { display: block; }

/* ── SIDEBAR ── */
.detail-sidebar { display: flex; flex-direction: column; gap: 20px; position: sticky; top: 88px; }
.sidebar-card { background: white; border: 1.5px solid var(--border); border-radius: 16px; padding: 24px; }
.sidebar-card h3 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 18px; }
.sidebar-card input, .sidebar-card select {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border); border-radius: 8px;
  font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: white; outline: none; transition: border-color .2s; margin-bottom: 12px;
}
.sidebar-card input:focus, .sidebar-card select:focus { border-color: var(--blue); }
.sidebar-card label { font-size: 11px; font-weight: 700; color: var(--muted); display: block; margin-bottom: 5px; text-transform: uppercase; letter-spacing: .5px; }
.sidebar-card .s-group { margin-bottom: 14px; }
.btn-apply { width: 100%; background: var(--blue); color: white; border: none; padding: 14px; border-radius: 10px; font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s; }
.btn-apply:hover { background: var(--navy); }
.info-row { display: flex; justify-content: space-between; align-items: center; padding: 11px 0; border-bottom: 1px solid var(--pale); font-size: 14px; }
.info-row:last-child { border-bottom: none; }
.info-row span:first-child { color: var(--muted); }
.info-row span:last-child { font-weight: 700; color: var(--navy); text-align: right; }
.sidebar-call { background: var(--navy); border-color: var(--navy); }
.sidebar-call h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 6px; }
.sidebar-call p { color: rgba(255,255,255,.65); font-size: 13px; margin-bottom: 14px; }
.sidebar-call a { display: block; background: white; color: var(--navy); text-align: center; padding: 12px; border-radius: 8px; font-weight: 700; text-decoration: none; transition: background .2s; }
.sidebar-call a:hover { background: var(--light-blue); }
.sidebar-whatsapp { display: block; background: #25D366; color: white; text-align: center; padding: 10px; border-radius: 8px; font-weight: 700; text-decoration: none; margin-top: 8px; font-size: 13px; }

/* ── BACK BTN ── */
.back-btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: none; border: 1.5px solid var(--border);
  padding: 10px 18px; border-radius: 8px;
  font-family: 'DM Sans'; font-size: 13px; font-weight: 600;
  color: var(--navy); cursor: pointer; margin-bottom: 28px;
  transition: all .2s; text-decoration: none;
}
.back-btn:hover { border-color: var(--blue); color: var(--blue); background: var(--pale); }

/* ── FOOTER ── */
footer { background: var(--navy); color: rgba(255,255,255,.75); }
.footer-main { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; padding: 60px 48px; max-width: 1280px; margin: 0 auto; }
.footer-brand .logo-area { margin-bottom: 16px; }
.footer-brand p { font-size: 14px; line-height: 1.8; margin-bottom: 22px; }
.footer-contact-item { display: flex; align-items: center; gap: 8px; font-size: 14px; margin-bottom: 8px; }
.footer-contact-item a { color: rgba(255,255,255,.75); text-decoration: none; }
footer h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: .8px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,.62); text-decoration: none; font-size: 14px; transition: color .2s; }
.footer-links a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 48px; display: flex; justify-content: space-between; align-items: center; font-size: 13px; max-width: 1280px; margin: 0 auto; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: rgba(255,255,255,.4); text-decoration: none; font-size: 12px; }

/* ── TOAST ── */
.toast { position: fixed; bottom: 28px; right: 28px; z-index: 9999; background: #0d6e3b; color: white; padding: 16px 24px; border-radius: 12px; font-weight: 600; font-size: 15px; box-shadow: 0 8px 30px rgba(0,0,0,.2); animation: slideIn .4s ease; }
@keyframes slideIn { from{transform:translateX(100px);opacity:0} to{transform:translateX(0);opacity:1} }
@keyframes fadeUp { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }
.animate { animation: fadeUp .6s ease forwards; opacity: 0; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .25s; }
.delay-3 { animation-delay: .4s; }

/* ════════════════════════════════
   RESPONSIVE — TABLET (≤ 1024px)
   ════════════════════════════════ */
@media (max-width: 1024px) {
  .nav-main { padding: 12px 20px; }
  .nav-top { padding: 7px 24px; }
  .container { padding: 0 24px; }
  .hero-inner { padding: 72px 24px; grid-template-columns: 1fr; gap: 40px; }
  .hero h1 { font-size: 44px; }
  .hero-stats { grid-template-columns: repeat(4, 1fr); max-width: 540px; }
  .stat-card .num { font-size: 28px; }
  .loans-grid { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: 1fr; gap: 36px; }
  .why-visual { aspect-ratio: 16/7; }
  .detail-body { grid-template-columns: 1fr; padding: 40px 24px; }
  .detail-sidebar { position: static; }
  .detail-hero { padding: 56px 24px 44px; }
  .detail-hero h1 { font-size: 36px; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; padding: 48px 24px; }
  .footer-bottom { padding: 18px 24px; }
  .cta-banner-wrap { padding: 0 24px 60px; }
  .team-stats { grid-template-columns: repeat(2, 1fr); }
  .about-hero { padding: 72px 24px; }
  .about-body { padding: 48px 24px; }
  .contact-body { padding: 48px 24px; grid-template-columns: 1fr; }
  .contact-hero { padding: 64px 24px 48px; }
  .section-title { font-size: 32px; }
}

/* ════════════════════════════════
   RESPONSIVE — MOBILE (≤ 768px)
   ════════════════════════════════ */
@media (max-width: 768px) {
  .nav-top { display: none; }
  .nav-main { padding: 12px 14px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .logo-text strong { font-size: 15px; }
  .logo-text span { display: none; }

  .hero { min-height: auto; }
  .hero-inner { padding: 56px 18px 48px; }
  .hero h1 { font-size: 34px; }
  .hero p { font-size: 15px; }
  .hero-btns { flex-direction: column; }
  .btn-primary, .btn-outline { width: 100%; justify-content: center; }
  .hero-stats { grid-template-columns: 1fr 1fr; max-width: 100%; }
  .stat-card { padding: 18px 14px; }
  .stat-card .num { font-size: 26px; }
  .hero-trust { display: none; }

  .section-pad { padding: 56px 0; }
  .container { padding: 0 18px; }
  .section-title { font-size: 26px; }
  .section-head { margin-bottom: 32px; }

  .loans-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .loan-card { padding: 16px; }

  .services-grid { grid-template-columns: 1fr; gap: 16px; }
  .service-card { padding: 24px; }

  .steps-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
  .steps-grid::before { display: none; }

  .cta-banner { flex-direction: column; align-items: flex-start; padding: 36px 28px; gap: 24px; }
  .cta-banner h2 { font-size: 24px; }
  .cta-banner-wrap { padding: 0 18px 56px; }
  .btn-white { width: 100%; justify-content: center; }

  .team-stats { grid-template-columns: 1fr 1fr; gap: 14px; }
  .team-stat { padding: 20px 14px; }
  .team-stat .num { font-size: 32px; }
  .about-hero h1 { font-size: 34px; }
  .about-hero { padding: 56px 18px; }
  .about-body { padding: 40px 18px; }

  .contact-hero h1 { font-size: 32px; }
  .contact-hero { padding: 52px 18px 40px; }
  .contact-body { padding: 36px 18px; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }

  .detail-hero { padding: 48px 18px 36px; }
  .detail-hero h1 { font-size: 28px; }
  .detail-emoji { font-size: 42px; }
  .detail-body { padding: 32px 18px; gap: 32px; }
  .docs-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .rate-table { font-size: 12px; }
  .rate-table th, .rate-table td { padding: 9px 12px; }

  .footer-main { grid-template-columns: 1fr; gap: 28px; padding: 40px 18px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; padding: 16px 18px; }
  .footer-bottom-links { justify-content: center; }

  .banks-grid { gap: 10px; }
  .bank-pill { font-size: 13px; padding: 8px 16px; }
  .why-visual { aspect-ratio: 4/3; }
  .why-visual-card { grid-template-columns: 1fr 1fr; }
  .why-item { padding: 16px; }
}

/* ════════════════════════════════
   RESPONSIVE — SMALL (≤ 480px)
   ════════════════════════════════ */
@media (max-width: 480px) {
  .hero h1 { font-size: 28px; }
  .loans-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .detail-hero h1 { font-size: 24px; }
  .section-title { font-size: 22px; }
}


/* ============================================================
   INDEX PAGE
   ============================================================ */
:root {
  --navy: #0d2d6e;
  --blue: #1a52b8;
  --sky: #2e7dd6;
  --light-blue: #d4e8fa;
  --pale: #eef5fd;
  --white: #ffffff;
  --gold: #e8a020;
  --text: #1a2744;
  --muted: #5a7090;
  --border: #c8ddf5;
  --radius: 14px;
  --shadow: 0 4px 24px rgba(13,45,110,.10);
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  font-size: 16px;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 16px rgba(13,45,110,.07);
  overflow: visible;
}
.nav-top {
  background: var(--navy);
  color: rgba(255,255,255,.8);
  font-size: 13px;
  display: flex; justify-content: flex-end; gap: 24px;
  padding: 7px 48px;
}
.nav-top a { color: #ffffff; text-decoration: none; transition: color .2s; font-weight: 700; }
.nav-top span { color: #ffffff; font-weight: 700; }
.nav-top a:hover { color: white; }
.nav-main {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 32px; gap: 12px;
}
.logo-area { display: flex; align-items: center; gap: 12px; cursor: pointer; text-decoration: none; flex-shrink: 0; }
.logo-icon {
  width: 46px; height: 46px; min-width: 46px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 21px; font-weight: 800;
  box-shadow: 0 4px 12px rgba(13,45,110,.25);
}
.logo-text { line-height: 1.2; }
.logo-text strong { display: block; font-family: 'Playfair Display', serif; font-size: 17px; color: var(--navy); }
.logo-text span { font-size: 11px; color: var(--muted); letter-spacing: .4px; }

.nav-links { display: flex; align-items: center; gap: 4px; margin-right: 0; margin-left: 24px; padding-right: 8px; }
.nav-links a, .nav-links button {
  background: none; border: none; cursor: pointer;
  font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 500;
  color: var(--text); padding: 9px 13px; border-radius: 8px;
  text-decoration: none; transition: all .2s; white-space: nowrap;
}
.nav-links a:hover, .nav-links button:hover { background: var(--pale); color: var(--blue); }
.nav-links a.active, .nav-links button.active { color: var(--blue) !important; background: var(--pale) !important; font-weight: 700 !important; }
.nav-cta {
  background: var(--blue) !important; color: white !important;
  padding: 10px 20px !important; border-radius: 8px !important; font-weight: 700 !important;
}
.nav-cta:hover { background: var(--navy) !important; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(26,82,184,.3) !important; }

/* Dropdown */
.dropdown { position: relative; }
.dropdown-menu {
  display: none; position: absolute; top: calc(100% + 10px); left: 0;
  background: white; border: 1px solid var(--border);
  border-radius: 14px; box-shadow: 0 20px 50px rgba(13,45,110,.15);
  min-width: 260px; padding: 8px;
  grid-template-columns: 1fr 1fr; gap: 2px;
  z-index: 100;
}
.dropdown-menu.open { display: grid; }
.dropdown-menu a {
  display: flex !important; align-items: center; gap: 8px;
  font-size: 13px !important; padding: 10px 12px !important;
  border-radius: 8px; white-space: nowrap; text-decoration: none;
  color: var(--text) !important;
}
.dropdown-menu a:hover { background: var(--pale) !important; color: var(--blue) !important; }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; background: none; border: none; }
.hamburger span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; display: block; transition: all .3s; }

/* Mobile nav */
.mobile-menu {
  display: none; background: white;
  border-top: 1px solid var(--border);
  padding: 12px 0;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  max-height: 0;
  transition: max-height .4s ease;
}
.mobile-menu.open { display: block; max-height: calc(100vh - 130px); overflow-y: auto; }
.mobile-menu a, .mobile-menu button {
  display: flex; align-items: center; gap: 10px;
  width: 100%; text-align: left;
  padding: 13px 24px; border: none; background: none;
  font-family: 'DM Sans'; font-size: 15px; color: var(--text);
  cursor: pointer; text-decoration: none;
  border-bottom: 1px solid var(--pale);
  transition: background .15s;
}
.mobile-menu a:hover, .mobile-menu button:hover { background: var(--pale); color: var(--blue); }
.mobile-menu .m-section { padding: 8px 24px 4px; font-size: 11px; font-weight: 700; letter-spacing: 1.5px; color: var(--muted); text-transform: uppercase; background: none; border: none; }
.mobile-menu .m-cta { background: var(--blue); color: white !important; margin: 12px 24px; border-radius: 10px; justify-content: center; font-weight: 700; }
.mobile-menu .m-cta:hover { background: var(--navy); }

/* ── BUTTONS ── */
.btn-primary {
  background: white; color: var(--navy);
  padding: 14px 28px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s; box-shadow: 0 4px 20px rgba(0,0,0,.18);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,.22); }
.btn-outline {
  border: 2px solid rgba(255,255,255,.5); color: white;
  padding: 14px 28px; border-radius: 10px;
  font-weight: 600; font-size: 15px; cursor: pointer;
  background: transparent; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s;
}
.btn-outline:hover { background: rgba(255,255,255,.12); border-color: white; }
.btn-blue {
  background: var(--blue); color: white;
  padding: 13px 26px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s;
}
.btn-blue:hover { background: var(--navy); transform: translateY(-1px); }
.btn-white {
  background: white; color: var(--navy);
  padding: 15px 32px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s; white-space: nowrap;
}
.btn-white:hover { transform: scale(1.03); box-shadow: 0 8px 24px rgba(0,0,0,.15); }

/* ── SECTION COMMONS ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 48px; }
.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 56px 0; }
.section-label { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--sky); margin-bottom: 10px; }
.section-title { font-family: 'Playfair Display', serif; font-size: 38px; line-height: 1.2; color: var(--navy); margin-bottom: 14px; }
.section-sub { font-size: 16px; color: var(--muted); line-height: 1.75; max-width: 580px; }
.section-head { margin-bottom: 48px; }
.section-head.center { text-align: center; }
.section-head.center .section-sub { margin: 0 auto; }

/* ── HERO ── */
.hero {
  min-height: 90vh;
  background: linear-gradient(135deg, var(--navy) 0%, #1740a0 50%, var(--sky) 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center;
}
.hero-bg {
  position: absolute; inset: 0;
  background: radial-gradient(circle at 72% 48%, rgba(255,255,255,.08) 0%, transparent 60%),
              radial-gradient(circle at 18% 82%, rgba(46,125,214,.25) 0%, transparent 50%);
}
.hero-grid {
  position: absolute; inset: 0; opacity: .05;
  background-image: linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 48px 48px;
}
.hero-inner {
  position: relative; z-index: 2; width: 100%;
  padding: 80px 48px;
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center;
  max-width: 1300px; margin: 0 auto;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  color: white; font-size: 13px; padding: 7px 16px; border-radius: 100px;
  margin-bottom: 22px; backdrop-filter: blur(10px); font-weight: 500;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 54px; line-height: 1.08; color: white; margin-bottom: 18px;
}
.hero h1 span { color: #7ecdf5; }
.hero p { color: rgba(255,255,255,.82); font-size: 17px; line-height: 1.75; margin-bottom: 32px; max-width: 520px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-trust { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.trust-chip {
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.85); font-size: 12px; padding: 6px 14px; border-radius: 100px;
}
.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.stat-card {
  background: rgba(255,255,255,.13); backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 18px; padding: 26px 22px; text-align: center; color: white;
  transition: transform .25s;
}
.stat-card:hover { transform: translateY(-4px); }
.stat-card .num { font-family: 'Playfair Display', serif; font-size: 38px; font-weight: 800; color: white; display: block; }
.stat-card .lbl { font-size: 13px; color: rgba(255,255,255,.7); margin-top: 4px; }

/* Ticker */
.ticker-wrap {
  background: var(--navy);
  padding: 18px 0;              /* increased height */
  overflow: hidden;
  border-bottom: 3px solid var(--gold);
}

.ticker-track {
  display: flex;
  gap: 50px;                    /* slightly more spacing */
  animation: ticker 30s linear infinite;
  width: max-content;
}

.ticker-track span {
  color: rgba(255,255,255,.9);
  font-size: 15px;              /* increased from 13px */
  font-weight: 500;
  white-space: nowrap;
}

.ticker-track span strong {
  color: var(--gold);
}

@keyframes ticker {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ── WHY US ── */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.why-visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--sky) 100%);
  border-radius: 22px; aspect-ratio: 4/3; position: relative; overflow: hidden;
  display: flex; align-items: flex-end;
}
.why-visual-bg { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; font-size: 120px; opacity: .12; }
.why-visual-card {
  position: relative; z-index: 1; width: 100%;
  background: rgba(255,255,255,.12); backdrop-filter: blur(12px);
  border-top: 1px solid rgba(255,255,255,.2); padding: 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
}
.why-mini-stat { color: white; }
.why-mini-stat .n { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 800; }
.why-mini-stat .l { font-size: 12px; opacity: .7; margin-top: 2px; }
.why-items { display: flex; flex-direction: column; gap: 18px; }
.why-item {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--pale); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 20px; transition: all .22s;
}
.why-item:hover { border-color: var(--sky); transform: translateX(5px); box-shadow: var(--shadow); }
.why-icon { width: 44px; height: 44px; min-width: 44px; background: var(--blue); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.why-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.why-item p { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* ── LOAN CARDS ── */
.loans-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.loan-card {
  background: white; border: 1.5px solid var(--border);
  border-radius: 16px; padding: 22px; cursor: pointer;
  transition: all .25s; position: relative; overflow: hidden; text-decoration: none; display: block;
}
.loan-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--sky));
  transform: scaleX(0); transition: transform .3s; transform-origin: left;
}
.loan-card:hover { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(13,45,110,.13); border-color: var(--sky); }
.loan-card:hover::before { transform: scaleX(1); }
.loan-emoji { font-size: 30px; margin-bottom: 12px; display: block; }
.loan-card h3 { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 5px; }
.loan-rate { font-size: 12px; color: var(--sky); font-weight: 700; margin-bottom: 8px; }
.loan-card p { font-size: 12px; color: var(--muted); line-height: 1.6; }
.card-arrow { display: inline-flex; align-items: center; gap: 4px; font-size: 12px; font-weight: 600; color: var(--blue); margin-top: 12px; }

/* ── SERVICES CARDS ── */
.services-bg { background: var(--pale); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  background: white; border-radius: 18px; padding: 30px;
  border: 1.5px solid var(--border); cursor: pointer; transition: all .25s; text-decoration: none; display: block;
}
.service-card:hover { transform: translateY(-5px); box-shadow: 0 18px 44px rgba(13,45,110,.11); border-color: var(--blue); }
.service-icon { font-size: 40px; margin-bottom: 14px; }
.service-card h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.service-card p { font-size: 14px; color: var(--muted); line-height: 1.75; }
.learn-more { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; color: var(--blue); font-weight: 600; font-size: 14px; }

/* ── BANKS ── */
.banks-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 36px; }
.bank-pill {
  background: var(--pale); border: 1.5px solid var(--border);
  padding: 10px 22px; border-radius: 100px;
  font-size: 14px; font-weight: 600; color: var(--navy); transition: all .2s;
}
.bank-pill:hover { background: var(--blue); color: white; border-color: var(--blue); transform: translateY(-2px); }

/* ── STEPS ── */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.steps-grid::before {
  content: ''; position: absolute; top: 35px; left: 13%; right: 13%; height: 2px;
  background: linear-gradient(90deg, var(--border) 0%, var(--blue) 50%, var(--border) 100%);
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 68px; height: 68px; margin: 0 auto 18px;
  background: white; border: 3px solid var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 800; color: var(--blue);
  box-shadow: 0 0 0 8px var(--pale);
}
.step-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-item p { font-size: 13px; color: var(--muted); line-height: 1.65; }

/* ── CTA BANNER ── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 22px; padding: 56px 60px;
  display: flex; align-items: center; justify-content: space-between; gap: 40px;
}
.cta-banner-wrap { padding: 0 48px 80px; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: 34px; color: white; margin-bottom: 10px; }
.cta-banner p { color: rgba(255,255,255,.75); font-size: 16px; }

/* ── ABOUT ── */
.about-hero {
  background: linear-gradient(135deg, var(--navy), var(--sky));
  padding: 100px 48px; text-align: center; color: white;
}
.about-hero h1 { font-family: 'Playfair Display', serif; font-size: 50px; margin-bottom: 16px; }
.about-hero p { font-size: 18px; color: rgba(255,255,255,.8); max-width: 560px; margin: 0 auto; }
.about-body { max-width: 900px; margin: 0 auto; padding: 64px 48px; }
.about-body p { font-size: 16px; color: var(--muted); line-height: 1.9; margin-bottom: 20px; }
.team-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin: 40px 0; }
.team-stat { text-align: center; background: var(--pale); border: 1px solid var(--border); border-radius: 16px; padding: 26px 18px; }
.team-stat .num { font-family: 'Playfair Display', serif; font-size: 40px; color: var(--blue); font-weight: 800; }
.team-stat .lbl { font-size: 13px; color: var(--muted); margin-top: 6px; }
.about-h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 32px 0 14px; }

/* ── CONTACT ── */
.contact-hero { background: linear-gradient(135deg, var(--navy), var(--blue)); padding: 80px 48px 60px; color: white; }
.contact-hero h1 { font-family: 'Playfair Display', serif; font-size: 46px; margin-bottom: 14px; }
.contact-hero p { color: rgba(255,255,255,.8); font-size: 17px; max-width: 520px; }
.contact-body { display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; max-width: 1100px; margin: 0 auto; padding: 60px 48px; }
.contact-info h2 { font-family: 'Playfair Display', serif; font-size: 30px; color: var(--navy); margin-bottom: 14px; }
.contact-info > p { color: var(--muted); line-height: 1.8; margin-bottom: 28px; }
.contact-detail { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.contact-detail-icon { width: 46px; height: 46px; min-width: 46px; background: var(--pale); border: 1px solid var(--border); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.contact-detail h4 { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.contact-detail p { font-size: 14px; color: var(--muted); margin: 0; }
.promise-box { margin-top: 28px; padding: 20px; background: var(--pale); border: 1px solid var(--border); border-radius: 14px; }
.promise-box h4 { font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.promise-box p { font-size: 14px; color: var(--muted); line-height: 1.7; margin: 0; }
.contact-form-card { background: var(--pale); border: 1px solid var(--border); border-radius: 20px; padding: 32px; }
.contact-form-card h3 { font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 22px; }

/* ── FORMS ── */
.form-group { margin-bottom: 16px; }
.form-group label { font-size: 12px; font-weight: 700; color: var(--muted); display: block; margin-bottom: 7px; text-transform: uppercase; letter-spacing: .5px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: 10px;
  font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: white; outline: none; transition: border-color .2s; appearance: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,82,184,.08); }
.form-group textarea { height: 96px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-submit {
  width: 100%; background: var(--blue); color: white;
  border: none; padding: 15px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s;
}
.form-submit:hover { background: var(--navy); }

/* ── DETAIL HERO ── */
.detail-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 60%, var(--sky) 100%);
  padding: 72px 48px 56px; color: white; position: relative; overflow: hidden;
}
.detail-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(255,255,255,.07) 0%, transparent 60%);
}
.detail-hero-inner { position: relative; z-index: 1; max-width: 800px; margin: 0 auto; text-align: center; }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,.6); margin-bottom: 18px; }
.breadcrumb a { color: rgba(255,255,255,.6); text-decoration: none; }
.breadcrumb a:hover { color: white; }
.breadcrumb span { color: rgba(255,255,255,.9); }
.detail-emoji { font-size: 52px; margin-bottom: 14px; display: block; line-height: 1; }
.detail-hero h1 { font-family: 'Playfair Display', serif; font-size: 44px; margin-bottom: 14px; line-height: 1.1; }
.detail-hero p { font-size: 17px; color: rgba(255,255,255,.82); line-height: 1.75; max-width: 600px; margin: 0 auto; }
.rate-badge {
  display: inline-block; margin-top: 18px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  padding: 8px 20px; border-radius: 100px; font-size: 15px; font-weight: 700;
}
.detail-badges { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; justify-content: center; }
.detail-badge { background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.24); padding: 6px 14px; border-radius: 100px; font-size: 12px; font-weight: 600; }

/* ── DETAIL BODY ── */
.detail-body { max-width: 1200px; margin: 0 auto; padding: 56px 48px; display: grid; grid-template-columns: 1fr 340px; gap: 48px; align-items: start; }
.detail-content {}
.detail-content h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 36px 0 14px; }
.detail-content h2:first-of-type { margin-top: 0; }
.detail-content p { color: var(--muted); line-height: 1.85; font-size: 15px; margin-bottom: 16px; }
.detail-content ul { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.detail-content ul li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; color: var(--text); line-height: 1.6; }
.detail-content ul li::before {
  content: '✓'; min-width: 22px; height: 22px;
  background: var(--light-blue); color: var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 700; margin-top: 1px; flex-shrink: 0;
}

/* Info boxes */
.info-box {
  background: var(--pale); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 24px; margin: 24px 0;
}
.info-box h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 12px; display: flex; align-items: center; gap: 8px; }
.info-box p { font-size: 14px; color: var(--muted); margin: 0; line-height: 1.75; }
.info-box ul { margin: 0; }
.info-box ul li { font-size: 14px; }

.highlight-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: 14px; padding: 24px; margin: 24px 0; color: white;
}
.highlight-box h4 { font-size: 15px; font-weight: 700; margin-bottom: 10px; }
.highlight-box p { font-size: 14px; color: rgba(255,255,255,.8); margin: 0; line-height: 1.75; }

.rate-table { width: 100%; border-collapse: collapse; margin: 16px 0 24px; }
.rate-table th { background: var(--navy); color: white; padding: 12px 16px; text-align: left; font-size: 13px; font-weight: 600; }
.rate-table th:first-child { border-radius: 8px 0 0 0; }
.rate-table th:last-child { border-radius: 0 8px 0 0; }
.rate-table td { padding: 11px 16px; font-size: 13px; border-bottom: 1px solid var(--border); }
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--pale); }

.docs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.doc-item { background: var(--pale); border: 1px solid var(--border); border-radius: 8px; padding: 11px 14px; font-size: 13px; color: var(--text); display: flex; align-items: center; gap: 8px; }
.doc-item::before { content: '📄'; font-size: 14px; }

.eligibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 14px 0; }
.elig-card { background: white; border: 1.5px solid var(--border); border-radius: 12px; padding: 16px; }
.elig-card h5 { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.elig-card ul { margin: 0; }
.elig-card ul li { font-size: 12px; color: var(--muted); }
.elig-card ul li::before { width: 18px; height: 18px; font-size: 10px; }

.faq-item { border: 1px solid var(--border); border-radius: 12px; margin-bottom: 10px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: white; border: none; padding: 16px 20px; font-family: 'DM Sans'; font-size: 14px; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: background .2s; }
.faq-q:hover { background: var(--pale); }
.faq-q .arr { font-size: 18px; transition: transform .25s; }
.faq-q.open .arr { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 20px 16px; font-size: 14px; color: var(--muted); line-height: 1.75; background: var(--pale); }
.faq-a.open { display: block; }

/* ── SIDEBAR ── */
.detail-sidebar { display: flex; flex-direction: column; gap: 20px; position: sticky; top: 88px; }
.sidebar-card { background: white; border: 1.5px solid var(--border); border-radius: 16px; padding: 24px; }
.sidebar-card h3 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 18px; }
.sidebar-card input, .sidebar-card select {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border); border-radius: 8px;
  font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: white; outline: none; transition: border-color .2s; margin-bottom: 12px;
}
.sidebar-card input:focus, .sidebar-card select:focus { border-color: var(--blue); }
.sidebar-card label { font-size: 11px; font-weight: 700; color: var(--muted); display: block; margin-bottom: 5px; text-transform: uppercase; letter-spacing: .5px; }
.sidebar-card .s-group { margin-bottom: 14px; }
.btn-apply { width: 100%; background: var(--blue); color: white; border: none; padding: 14px; border-radius: 10px; font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s; }
.btn-apply:hover { background: var(--navy); }
.info-row { display: flex; justify-content: space-between; align-items: center; padding: 11px 0; border-bottom: 1px solid var(--pale); font-size: 14px; }
.info-row:last-child { border-bottom: none; }
.info-row span:first-child { color: var(--muted); }
.info-row span:last-child { font-weight: 700; color: var(--navy); text-align: right; }
.sidebar-call { background: var(--navy); border-color: var(--navy); }
.sidebar-call h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 6px; }
.sidebar-call p { color: rgba(255,255,255,.65); font-size: 13px; margin-bottom: 14px; }
.sidebar-call a { display: block; background: white; color: var(--navy); text-align: center; padding: 12px; border-radius: 8px; font-weight: 700; text-decoration: none; transition: background .2s; }
.sidebar-call a:hover { background: var(--light-blue); }
.sidebar-whatsapp { display: block; background: #25D366; color: white; text-align: center; padding: 10px; border-radius: 8px; font-weight: 700; text-decoration: none; margin-top: 8px; font-size: 13px; }

/* ── BACK BTN ── */
.back-btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: none; border: 1.5px solid var(--border);
  padding: 10px 18px; border-radius: 8px;
  font-family: 'DM Sans'; font-size: 13px; font-weight: 600;
  color: var(--navy); cursor: pointer; margin-bottom: 28px;
  transition: all .2s; text-decoration: none;
}
.back-btn:hover { border-color: var(--blue); color: var(--blue); background: var(--pale); }

/* ── FOOTER ── */
footer { background: var(--navy); color: rgba(255,255,255,.75); }
.footer-main { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; padding: 60px 48px; max-width: 1280px; margin: 0 auto; }
.footer-brand .logo-area { margin-bottom: 16px; }
.footer-brand p { font-size: 14px; line-height: 1.8; margin-bottom: 22px; }
.footer-contact-item { display: flex; align-items: center; gap: 8px; font-size: 14px; margin-bottom: 8px; }
.footer-contact-item a { color: rgba(255,255,255,.75); text-decoration: none; }
footer h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: .8px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,.62); text-decoration: none; font-size: 14px; transition: color .2s; }
.footer-links a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 48px; display: flex; justify-content: space-between; align-items: center; font-size: 13px; max-width: 1280px; margin: 0 auto; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: rgba(255,255,255,.4); text-decoration: none; font-size: 12px; }

/* ── TOAST ── */
.toast { position: fixed; bottom: 28px; right: 28px; z-index: 9999; background: #0d6e3b; color: white; padding: 16px 24px; border-radius: 12px; font-weight: 600; font-size: 15px; box-shadow: 0 8px 30px rgba(0,0,0,.2); animation: slideIn .4s ease; }
@keyframes slideIn { from{transform:translateX(100px);opacity:0} to{transform:translateX(0);opacity:1} }
@keyframes fadeUp { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }
.animate { animation: fadeUp .6s ease forwards; opacity: 0; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .25s; }
.delay-3 { animation-delay: .4s; }

/* ════════════════════════════════
   RESPONSIVE — TABLET (≤ 1024px)
   ════════════════════════════════ */
@media (max-width: 1024px) {
  .nav-main { padding: 12px 20px; }
  .nav-top { padding: 7px 24px; }
  .container { padding: 0 24px; }
  .hero-inner { padding: 72px 24px; grid-template-columns: 1fr; gap: 40px; }
  .hero h1 { font-size: 44px; }
  .hero-stats { grid-template-columns: repeat(4, 1fr); max-width: 540px; }
  .stat-card .num { font-size: 28px; }
  .loans-grid { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: 1fr; gap: 36px; }
  .why-visual { aspect-ratio: 16/7; }
  .detail-body { grid-template-columns: 1fr; padding: 40px 24px; }
  .detail-sidebar { position: static; }
  .detail-hero { padding: 56px 24px 44px; }
  .detail-hero h1 { font-size: 36px; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; padding: 48px 24px; }
  .footer-bottom { padding: 18px 24px; }
  .cta-banner-wrap { padding: 0 24px 60px; }
  .team-stats { grid-template-columns: repeat(2, 1fr); }
  .about-hero { padding: 72px 24px; }
  .about-body { padding: 48px 24px; }
  .contact-body { padding: 48px 24px; grid-template-columns: 1fr; }
  .contact-hero { padding: 64px 24px 48px; }
  .section-title { font-size: 32px; }
}

/* ════════════════════════════════
   RESPONSIVE — MOBILE (≤ 768px)
   ════════════════════════════════ */
@media (max-width: 768px) {
  .nav-top { display: none; }
  .nav-main { padding: 12px 14px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .logo-text strong { font-size: 15px; }
  .logo-text span { display: none; }

  .hero { min-height: auto; }
  .hero-inner { padding: 56px 18px 48px; }
  .hero h1 { font-size: 34px; }
  .hero p { font-size: 15px; }
  .hero-btns { flex-direction: column; }
  .btn-primary, .btn-outline { width: 100%; justify-content: center; }
  .hero-stats { grid-template-columns: 1fr 1fr; max-width: 100%; }
  .stat-card { padding: 18px 14px; }
  .stat-card .num { font-size: 26px; }
  .hero-trust { display: none; }

  .section-pad { padding: 56px 0; }
  .container { padding: 0 18px; }
  .section-title { font-size: 26px; }
  .section-head { margin-bottom: 32px; }

  .loans-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .loan-card { padding: 16px; }

  .services-grid { grid-template-columns: 1fr; gap: 16px; }
  .service-card { padding: 24px; }

  .steps-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
  .steps-grid::before { display: none; }

  .cta-banner { flex-direction: column; align-items: flex-start; padding: 36px 28px; gap: 24px; }
  .cta-banner h2 { font-size: 24px; }
  .cta-banner-wrap { padding: 0 18px 56px; }
  .btn-white { width: 100%; justify-content: center; }

  .team-stats { grid-template-columns: 1fr 1fr; gap: 14px; }
  .team-stat { padding: 20px 14px; }
  .team-stat .num { font-size: 32px; }
  .about-hero h1 { font-size: 34px; }
  .about-hero { padding: 56px 18px; }
  .about-body { padding: 40px 18px; }

  .contact-hero h1 { font-size: 32px; }
  .contact-hero { padding: 52px 18px 40px; }
  .contact-body { padding: 36px 18px; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }

  .detail-hero { padding: 48px 18px 36px; }
  .detail-hero h1 { font-size: 28px; }
  .detail-emoji { font-size: 42px; }
  .detail-body { padding: 32px 18px; gap: 32px; }
  .docs-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .rate-table { font-size: 12px; }
  .rate-table th, .rate-table td { padding: 9px 12px; }

  .footer-main { grid-template-columns: 1fr; gap: 28px; padding: 40px 18px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; padding: 16px 18px; }
  .footer-bottom-links { justify-content: center; }

  .banks-grid { gap: 10px; }
  .bank-pill { font-size: 13px; padding: 8px 16px; }
  .why-visual { aspect-ratio: 4/3; }
  .why-visual-card { grid-template-columns: 1fr 1fr; }
  .why-item { padding: 16px; }
}

/* ════════════════════════════════
   RESPONSIVE — SMALL (≤ 480px)
   ════════════════════════════════ */
@media (max-width: 480px) {
  .hero h1 { font-size: 28px; }
  .loans-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .detail-hero h1 { font-size: 24px; }
  .section-title { font-size: 22px; }
}


/* ============================================================
   ABOUT PAGE
   ============================================================ */
:root {
  --navy: #0d2d6e;
  --blue: #1a52b8;
  --sky: #2e7dd6;
  --light-blue: #d4e8fa;
  --pale: #eef5fd;
  --white: #ffffff;
  --gold: #e8a020;
  --text: #1a2744;
  --muted: #5a7090;
  --border: #c8ddf5;
  --radius: 14px;
  --shadow: 0 4px 24px rgba(13,45,110,.10);
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  font-size: 16px;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 16px rgba(13,45,110,.07);
  overflow: visible;
}
.nav-top {
  background: var(--navy);
  color: rgba(255,255,255,.8);
  font-size: 13px;
  display: flex; justify-content: flex-end; gap: 24px;
  padding: 7px 48px;
}
.nav-top a { color: #ffffff; text-decoration: none; transition: color .2s; font-weight: 700; }
.nav-top span { color: #ffffff; font-weight: 700; }
.nav-top a:hover { color: white; }
.nav-main {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 32px; gap: 12px;
}
.logo-area { display: flex; align-items: center; gap: 12px; cursor: pointer; text-decoration: none; flex-shrink: 0; }
.logo-icon {
  width: 46px; height: 46px; min-width: 46px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 21px; font-weight: 800;
  box-shadow: 0 4px 12px rgba(13,45,110,.25);
}
.logo-text { line-height: 1.2; }
.logo-text strong { display: block; font-family: 'Playfair Display', serif; font-size: 17px; color: var(--navy); }
.logo-text span { font-size: 11px; color: var(--muted); letter-spacing: .4px; }

.nav-links { display: flex; align-items: center; gap: 4px; margin-right: 0; margin-left: 24px; padding-right: 8px; }
.nav-links a, .nav-links button {
  background: none; border: none; cursor: pointer;
  font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 500;
  color: var(--text); padding: 9px 13px; border-radius: 8px;
  text-decoration: none; transition: all .2s; white-space: nowrap;
}
.nav-links a:hover, .nav-links button:hover { background: var(--pale); color: var(--blue); }
.nav-links a.active, .nav-links button.active { color: var(--blue) !important; background: var(--pale) !important; font-weight: 700 !important; }
.nav-cta {
  background: var(--blue) !important; color: white !important;
  padding: 10px 20px !important; border-radius: 8px !important; font-weight: 700 !important;
}
.nav-cta:hover { background: var(--navy) !important; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(26,82,184,.3) !important; }

/* Dropdown */
.dropdown { position: relative; }
.dropdown-menu {
  display: none; position: absolute; top: calc(100% + 10px); left: 0;
  background: white; border: 1px solid var(--border);
  border-radius: 14px; box-shadow: 0 20px 50px rgba(13,45,110,.15);
  min-width: 260px; padding: 8px;
  grid-template-columns: 1fr 1fr; gap: 2px;
  z-index: 100;
}
.dropdown-menu.open { display: grid; }
.dropdown-menu a {
  display: flex !important; align-items: center; gap: 8px;
  font-size: 13px !important; padding: 10px 12px !important;
  border-radius: 8px; white-space: nowrap; text-decoration: none;
  color: var(--text) !important;
}
.dropdown-menu a:hover { background: var(--pale) !important; color: var(--blue) !important; }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; background: none; border: none; }
.hamburger span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; display: block; transition: all .3s; }

/* Mobile nav */
.mobile-menu {
  display: none; background: white;
  border-top: 1px solid var(--border);
  padding: 12px 0;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  max-height: 0;
  transition: max-height .4s ease;
}
.mobile-menu.open { display: block; max-height: calc(100vh - 130px); overflow-y: auto; }
.mobile-menu a, .mobile-menu button {
  display: flex; align-items: center; gap: 10px;
  width: 100%; text-align: left;
  padding: 13px 24px; border: none; background: none;
  font-family: 'DM Sans'; font-size: 15px; color: var(--text);
  cursor: pointer; text-decoration: none;
  border-bottom: 1px solid var(--pale);
  transition: background .15s;
}
.mobile-menu a:hover, .mobile-menu button:hover { background: var(--pale); color: var(--blue); }
.mobile-menu .m-section { padding: 8px 24px 4px; font-size: 11px; font-weight: 700; letter-spacing: 1.5px; color: var(--muted); text-transform: uppercase; background: none; border: none; }
.mobile-menu .m-cta { background: var(--blue); color: white !important; margin: 12px 24px; border-radius: 10px; justify-content: center; font-weight: 700; }
.mobile-menu .m-cta:hover { background: var(--navy); }

/* ── BUTTONS ── */
.btn-primary {
  background: white; color: var(--navy);
  padding: 14px 28px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s; box-shadow: 0 4px 20px rgba(0,0,0,.18);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,.22); }
.btn-outline {
  border: 2px solid rgba(255,255,255,.5); color: white;
  padding: 14px 28px; border-radius: 10px;
  font-weight: 600; font-size: 15px; cursor: pointer;
  background: transparent; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s;
}
.btn-outline:hover { background: rgba(255,255,255,.12); border-color: white; }
.btn-blue {
  background: var(--blue); color: white;
  padding: 13px 26px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s;
}
.btn-blue:hover { background: var(--navy); transform: translateY(-1px); }
.btn-white {
  background: white; color: var(--navy);
  padding: 15px 32px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s; white-space: nowrap;
}
.btn-white:hover { transform: scale(1.03); box-shadow: 0 8px 24px rgba(0,0,0,.15); }

/* ── SECTION COMMONS ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 48px; }
.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 56px 0; }
.section-label { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--sky); margin-bottom: 10px; }
.section-title { font-family: 'Playfair Display', serif; font-size: 38px; line-height: 1.2; color: var(--navy); margin-bottom: 14px; }
.section-sub { font-size: 16px; color: var(--muted); line-height: 1.75; max-width: 580px; }
.section-head { margin-bottom: 48px; }
.section-head.center { text-align: center; }
.section-head.center .section-sub { margin: 0 auto; }

/* ── HERO ── */
.hero {
  min-height: 90vh;
  background: linear-gradient(135deg, var(--navy) 0%, #1740a0 50%, var(--sky) 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center;
}
.hero-bg {
  position: absolute; inset: 0;
  background: radial-gradient(circle at 72% 48%, rgba(255,255,255,.08) 0%, transparent 60%),
              radial-gradient(circle at 18% 82%, rgba(46,125,214,.25) 0%, transparent 50%);
}
.hero-grid {
  position: absolute; inset: 0; opacity: .05;
  background-image: linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 48px 48px;
}
.hero-inner {
  position: relative; z-index: 2; width: 100%;
  padding: 80px 48px;
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center;
  max-width: 1300px; margin: 0 auto;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  color: white; font-size: 13px; padding: 7px 16px; border-radius: 100px;
  margin-bottom: 22px; backdrop-filter: blur(10px); font-weight: 500;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 54px; line-height: 1.08; color: white; margin-bottom: 18px;
}
.hero h1 span { color: #7ecdf5; }
.hero p { color: rgba(255,255,255,.82); font-size: 17px; line-height: 1.75; margin-bottom: 32px; max-width: 520px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-trust { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.trust-chip {
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.85); font-size: 12px; padding: 6px 14px; border-radius: 100px;
}
.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.stat-card {
  background: rgba(255,255,255,.13); backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 18px; padding: 26px 22px; text-align: center; color: white;
  transition: transform .25s;
}
.stat-card:hover { transform: translateY(-4px); }
.stat-card .num { font-family: 'Playfair Display', serif; font-size: 38px; font-weight: 800; color: white; display: block; }
.stat-card .lbl { font-size: 13px; color: rgba(255,255,255,.7); margin-top: 4px; }

/* Ticker */
.ticker-wrap {
  background: var(--navy); padding: 13px 0; overflow: hidden;
  border-bottom: 3px solid var(--gold);
}
.ticker-track { display: flex; gap: 40px; animation: ticker 30s linear infinite; width: max-content; }
.ticker-track span { color: rgba(255,255,255,.8); font-size: 13px; font-weight: 500; white-space: nowrap; }
.ticker-track span strong { color: var(--gold); }
@keyframes ticker { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }

/* ── WHY US ── */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.why-visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--sky) 100%);
  border-radius: 22px; aspect-ratio: 4/3; position: relative; overflow: hidden;
  display: flex; align-items: flex-end;
}
.why-visual-bg { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; font-size: 120px; opacity: .12; }
.why-visual-card {
  position: relative; z-index: 1; width: 100%;
  background: rgba(255,255,255,.12); backdrop-filter: blur(12px);
  border-top: 1px solid rgba(255,255,255,.2); padding: 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
}
.why-mini-stat { color: white; }
.why-mini-stat .n { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 800; }
.why-mini-stat .l { font-size: 12px; opacity: .7; margin-top: 2px; }
.why-items { display: flex; flex-direction: column; gap: 18px; }
.why-item {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--pale); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 20px; transition: all .22s;
}
.why-item:hover { border-color: var(--sky); transform: translateX(5px); box-shadow: var(--shadow); }
.why-icon { width: 44px; height: 44px; min-width: 44px; background: var(--blue); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.why-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.why-item p { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* ── LOAN CARDS ── */
.loans-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.loan-card {
  background: white; border: 1.5px solid var(--border);
  border-radius: 16px; padding: 22px; cursor: pointer;
  transition: all .25s; position: relative; overflow: hidden; text-decoration: none; display: block;
}
.loan-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--sky));
  transform: scaleX(0); transition: transform .3s; transform-origin: left;
}
.loan-card:hover { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(13,45,110,.13); border-color: var(--sky); }
.loan-card:hover::before { transform: scaleX(1); }
.loan-emoji { font-size: 30px; margin-bottom: 12px; display: block; }
.loan-card h3 { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 5px; }
.loan-rate { font-size: 12px; color: var(--sky); font-weight: 700; margin-bottom: 8px; }
.loan-card p { font-size: 12px; color: var(--muted); line-height: 1.6; }
.card-arrow { display: inline-flex; align-items: center; gap: 4px; font-size: 12px; font-weight: 600; color: var(--blue); margin-top: 12px; }

/* ── SERVICES CARDS ── */
.services-bg { background: var(--pale); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  background: white; border-radius: 18px; padding: 30px;
  border: 1.5px solid var(--border); cursor: pointer; transition: all .25s; text-decoration: none; display: block;
}
.service-card:hover { transform: translateY(-5px); box-shadow: 0 18px 44px rgba(13,45,110,.11); border-color: var(--blue); }
.service-icon { font-size: 40px; margin-bottom: 14px; }
.service-card h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.service-card p { font-size: 14px; color: var(--muted); line-height: 1.75; }
.learn-more { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; color: var(--blue); font-weight: 600; font-size: 14px; }

/* ── BANKS ── */
.banks-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 36px; }
.bank-pill {
  background: var(--pale); border: 1.5px solid var(--border);
  padding: 10px 22px; border-radius: 100px;
  font-size: 14px; font-weight: 600; color: var(--navy); transition: all .2s;
}
.bank-pill:hover { background: var(--blue); color: white; border-color: var(--blue); transform: translateY(-2px); }

/* ── STEPS ── */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.steps-grid::before {
  content: ''; position: absolute; top: 35px; left: 13%; right: 13%; height: 2px;
  background: linear-gradient(90deg, var(--border) 0%, var(--blue) 50%, var(--border) 100%);
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 68px; height: 68px; margin: 0 auto 18px;
  background: white; border: 3px solid var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 800; color: var(--blue);
  box-shadow: 0 0 0 8px var(--pale);
}
.step-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-item p { font-size: 13px; color: var(--muted); line-height: 1.65; }

/* ── CTA BANNER ── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 22px; padding: 56px 60px;
  display: flex; align-items: center; justify-content: space-between; gap: 40px;
}
.cta-banner-wrap { padding: 0 48px 80px; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: 34px; color: white; margin-bottom: 10px; }
.cta-banner p { color: rgba(255,255,255,.75); font-size: 16px; }

/* ── ABOUT ── */
.about-hero {
  background: linear-gradient(135deg, var(--navy), var(--sky));
  padding: 100px 48px; text-align: center; color: white;
}
.about-hero h1 { font-family: 'Playfair Display', serif; font-size: 50px; margin-bottom: 16px; }
.about-hero p { font-size: 18px; color: rgba(255,255,255,.8); max-width: 560px; margin: 0 auto; }
.about-body { max-width: 900px; margin: 0 auto; padding: 64px 48px; }
.about-body p { font-size: 16px; color: var(--muted); line-height: 1.9; margin-bottom: 20px; }
.team-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin: 40px 0; }
.team-stat { text-align: center; background: var(--pale); border: 1px solid var(--border); border-radius: 16px; padding: 26px 18px; }
.team-stat .num { font-family: 'Playfair Display', serif; font-size: 40px; color: var(--blue); font-weight: 800; }
.team-stat .lbl { font-size: 13px; color: var(--muted); margin-top: 6px; }
.about-h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 32px 0 14px; }

/* ── CONTACT ── */
.contact-hero { background: linear-gradient(135deg, var(--navy), var(--blue)); padding: 80px 48px 60px; color: white; }
.contact-hero h1 { font-family: 'Playfair Display', serif; font-size: 46px; margin-bottom: 14px; }
.contact-hero p { color: rgba(255,255,255,.8); font-size: 17px; max-width: 520px; }
.contact-body { display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; max-width: 1100px; margin: 0 auto; padding: 60px 48px; }
.contact-info h2 { font-family: 'Playfair Display', serif; font-size: 30px; color: var(--navy); margin-bottom: 14px; }
.contact-info > p { color: var(--muted); line-height: 1.8; margin-bottom: 28px; }
.contact-detail { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.contact-detail-icon { width: 46px; height: 46px; min-width: 46px; background: var(--pale); border: 1px solid var(--border); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.contact-detail h4 { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.contact-detail p { font-size: 14px; color: var(--muted); margin: 0; }
.promise-box { margin-top: 28px; padding: 20px; background: var(--pale); border: 1px solid var(--border); border-radius: 14px; }
.promise-box h4 { font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.promise-box p { font-size: 14px; color: var(--muted); line-height: 1.7; margin: 0; }
.contact-form-card { background: var(--pale); border: 1px solid var(--border); border-radius: 20px; padding: 32px; }
.contact-form-card h3 { font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 22px; }

/* ── FORMS ── */
.form-group { margin-bottom: 16px; }
.form-group label { font-size: 12px; font-weight: 700; color: var(--muted); display: block; margin-bottom: 7px; text-transform: uppercase; letter-spacing: .5px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: 10px;
  font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: white; outline: none; transition: border-color .2s; appearance: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,82,184,.08); }
.form-group textarea { height: 96px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-submit {
  width: 100%; background: var(--blue); color: white;
  border: none; padding: 15px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s;
}
.form-submit:hover { background: var(--navy); }

/* ── DETAIL HERO ── */
.detail-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 60%, var(--sky) 100%);
  padding: 72px 48px 56px; color: white; position: relative; overflow: hidden;
}
.detail-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(255,255,255,.07) 0%, transparent 60%);
}
.detail-hero-inner { position: relative; z-index: 1; max-width: 800px; margin: 0 auto; text-align: center; }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,.6); margin-bottom: 18px; }
.breadcrumb a { color: rgba(255,255,255,.6); text-decoration: none; }
.breadcrumb a:hover { color: white; }
.breadcrumb span { color: rgba(255,255,255,.9); }
.detail-emoji { font-size: 52px; margin-bottom: 14px; display: block; line-height: 1; }
.detail-hero h1 { font-family: 'Playfair Display', serif; font-size: 44px; margin-bottom: 14px; line-height: 1.1; }
.detail-hero p { font-size: 17px; color: rgba(255,255,255,.82); line-height: 1.75; max-width: 600px; margin: 0 auto; }
.rate-badge {
  display: inline-block; margin-top: 18px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  padding: 8px 20px; border-radius: 100px; font-size: 15px; font-weight: 700;
}
.detail-badges { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; justify-content: center; }
.detail-badge { background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.24); padding: 6px 14px; border-radius: 100px; font-size: 12px; font-weight: 600; }

/* ── DETAIL BODY ── */
.detail-body { max-width: 1200px; margin: 0 auto; padding: 56px 48px; display: grid; grid-template-columns: 1fr 340px; gap: 48px; align-items: start; }
.detail-content {}
.detail-content h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 36px 0 14px; }
.detail-content h2:first-of-type { margin-top: 0; }
.detail-content p { color: var(--muted); line-height: 1.85; font-size: 15px; margin-bottom: 16px; }
.detail-content ul { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.detail-content ul li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; color: var(--text); line-height: 1.6; }
.detail-content ul li::before {
  content: '✓'; min-width: 22px; height: 22px;
  background: var(--light-blue); color: var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 700; margin-top: 1px; flex-shrink: 0;
}

/* Info boxes */
.info-box {
  background: var(--pale); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 24px; margin: 24px 0;
}
.info-box h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 12px; display: flex; align-items: center; gap: 8px; }
.info-box p { font-size: 14px; color: var(--muted); margin: 0; line-height: 1.75; }
.info-box ul { margin: 0; }
.info-box ul li { font-size: 14px; }

.highlight-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: 14px; padding: 24px; margin: 24px 0; color: white;
}
.highlight-box h4 { font-size: 15px; font-weight: 700; margin-bottom: 10px; }
.highlight-box p { font-size: 14px; color: rgba(255,255,255,.8); margin: 0; line-height: 1.75; }

.rate-table { width: 100%; border-collapse: collapse; margin: 16px 0 24px; }
.rate-table th { background: var(--navy); color: white; padding: 12px 16px; text-align: left; font-size: 13px; font-weight: 600; }
.rate-table th:first-child { border-radius: 8px 0 0 0; }
.rate-table th:last-child { border-radius: 0 8px 0 0; }
.rate-table td { padding: 11px 16px; font-size: 13px; border-bottom: 1px solid var(--border); }
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--pale); }

.docs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.doc-item { background: var(--pale); border: 1px solid var(--border); border-radius: 8px; padding: 11px 14px; font-size: 13px; color: var(--text); display: flex; align-items: center; gap: 8px; }
.doc-item::before { content: '📄'; font-size: 14px; }

.eligibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 14px 0; }
.elig-card { background: white; border: 1.5px solid var(--border); border-radius: 12px; padding: 16px; }
.elig-card h5 { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.elig-card ul { margin: 0; }
.elig-card ul li { font-size: 12px; color: var(--muted); }
.elig-card ul li::before { width: 18px; height: 18px; font-size: 10px; }

.faq-item { border: 1px solid var(--border); border-radius: 12px; margin-bottom: 10px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: white; border: none; padding: 16px 20px; font-family: 'DM Sans'; font-size: 14px; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: background .2s; }
.faq-q:hover { background: var(--pale); }
.faq-q .arr { font-size: 18px; transition: transform .25s; }
.faq-q.open .arr { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 20px 16px; font-size: 14px; color: var(--muted); line-height: 1.75; background: var(--pale); }
.faq-a.open { display: block; }

/* ── SIDEBAR ── */
.detail-sidebar { display: flex; flex-direction: column; gap: 20px; position: sticky; top: 88px; }
.sidebar-card { background: white; border: 1.5px solid var(--border); border-radius: 16px; padding: 24px; }
.sidebar-card h3 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 18px; }
.sidebar-card input, .sidebar-card select {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border); border-radius: 8px;
  font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: white; outline: none; transition: border-color .2s; margin-bottom: 12px;
}
.sidebar-card input:focus, .sidebar-card select:focus { border-color: var(--blue); }
.sidebar-card label { font-size: 11px; font-weight: 700; color: var(--muted); display: block; margin-bottom: 5px; text-transform: uppercase; letter-spacing: .5px; }
.sidebar-card .s-group { margin-bottom: 14px; }
.btn-apply { width: 100%; background: var(--blue); color: white; border: none; padding: 14px; border-radius: 10px; font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s; }
.btn-apply:hover { background: var(--navy); }
.info-row { display: flex; justify-content: space-between; align-items: center; padding: 11px 0; border-bottom: 1px solid var(--pale); font-size: 14px; }
.info-row:last-child { border-bottom: none; }
.info-row span:first-child { color: var(--muted); }
.info-row span:last-child { font-weight: 700; color: var(--navy); text-align: right; }
.sidebar-call { background: var(--navy); border-color: var(--navy); }
.sidebar-call h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 6px; }
.sidebar-call p { color: rgba(255,255,255,.65); font-size: 13px; margin-bottom: 14px; }
.sidebar-call a { display: block; background: white; color: var(--navy); text-align: center; padding: 12px; border-radius: 8px; font-weight: 700; text-decoration: none; transition: background .2s; }
.sidebar-call a:hover { background: var(--light-blue); }
.sidebar-whatsapp { display: block; background: #25D366; color: white; text-align: center; padding: 10px; border-radius: 8px; font-weight: 700; text-decoration: none; margin-top: 8px; font-size: 13px; }

/* ── BACK BTN ── */
.back-btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: none; border: 1.5px solid var(--border);
  padding: 10px 18px; border-radius: 8px;
  font-family: 'DM Sans'; font-size: 13px; font-weight: 600;
  color: var(--navy); cursor: pointer; margin-bottom: 28px;
  transition: all .2s; text-decoration: none;
}
.back-btn:hover { border-color: var(--blue); color: var(--blue); background: var(--pale); }

/* ── FOOTER ── */
footer { background: var(--navy); color: rgba(255,255,255,.75); }
.footer-main { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; padding: 60px 48px; max-width: 1280px; margin: 0 auto; }
.footer-brand .logo-area { margin-bottom: 16px; }
.footer-brand p { font-size: 14px; line-height: 1.8; margin-bottom: 22px; }
.footer-contact-item { display: flex; align-items: center; gap: 8px; font-size: 14px; margin-bottom: 8px; }
.footer-contact-item a { color: rgba(255,255,255,.75); text-decoration: none; }
footer h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: .8px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,.62); text-decoration: none; font-size: 14px; transition: color .2s; }
.footer-links a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 48px; display: flex; justify-content: space-between; align-items: center; font-size: 13px; max-width: 1280px; margin: 0 auto; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: rgba(255,255,255,.4); text-decoration: none; font-size: 12px; }

/* ── TOAST ── */
.toast { position: fixed; bottom: 28px; right: 28px; z-index: 9999; background: #0d6e3b; color: white; padding: 16px 24px; border-radius: 12px; font-weight: 600; font-size: 15px; box-shadow: 0 8px 30px rgba(0,0,0,.2); animation: slideIn .4s ease; }
@keyframes slideIn { from{transform:translateX(100px);opacity:0} to{transform:translateX(0);opacity:1} }
@keyframes fadeUp { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }
.animate { animation: fadeUp .6s ease forwards; opacity: 0; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .25s; }
.delay-3 { animation-delay: .4s; }

/* ════════════════════════════════
   RESPONSIVE — TABLET (≤ 1024px)
   ════════════════════════════════ */
@media (max-width: 1024px) {
  .nav-main { padding: 12px 20px; }
  .nav-top { padding: 7px 24px; }
  .container { padding: 0 24px; }
  .hero-inner { padding: 72px 24px; grid-template-columns: 1fr; gap: 40px; }
  .hero h1 { font-size: 44px; }
  .hero-stats { grid-template-columns: repeat(4, 1fr); max-width: 540px; }
  .stat-card .num { font-size: 28px; }
  .loans-grid { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: 1fr; gap: 36px; }
  .why-visual { aspect-ratio: 16/7; }
  .detail-body { grid-template-columns: 1fr; padding: 40px 24px; }
  .detail-sidebar { position: static; }
  .detail-hero { padding: 56px 24px 44px; }
  .detail-hero h1 { font-size: 36px; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; padding: 48px 24px; }
  .footer-bottom { padding: 18px 24px; }
  .cta-banner-wrap { padding: 0 24px 60px; }
  .team-stats { grid-template-columns: repeat(2, 1fr); }
  .about-hero { padding: 72px 24px; }
  .about-body { padding: 48px 24px; }
  .contact-body { padding: 48px 24px; grid-template-columns: 1fr; }
  .contact-hero { padding: 64px 24px 48px; }
  .section-title { font-size: 32px; }
}

/* ════════════════════════════════
   RESPONSIVE — MOBILE (≤ 768px)
   ════════════════════════════════ */
@media (max-width: 768px) {
  .nav-top { display: none; }
  .nav-main { padding: 12px 14px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .logo-text strong { font-size: 15px; }
  .logo-text span { display: none; }

  .hero { min-height: auto; }
  .hero-inner { padding: 56px 18px 48px; }
  .hero h1 { font-size: 34px; }
  .hero p { font-size: 15px; }
  .hero-btns { flex-direction: column; }
  .btn-primary, .btn-outline { width: 100%; justify-content: center; }
  .hero-stats { grid-template-columns: 1fr 1fr; max-width: 100%; }
  .stat-card { padding: 18px 14px; }
  .stat-card .num { font-size: 26px; }
  .hero-trust { display: none; }

  .section-pad { padding: 56px 0; }
  .container { padding: 0 18px; }
  .section-title { font-size: 26px; }
  .section-head { margin-bottom: 32px; }

  .loans-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .loan-card { padding: 16px; }

  .services-grid { grid-template-columns: 1fr; gap: 16px; }
  .service-card { padding: 24px; }

  .steps-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
  .steps-grid::before { display: none; }

  .cta-banner { flex-direction: column; align-items: flex-start; padding: 36px 28px; gap: 24px; }
  .cta-banner h2 { font-size: 24px; }
  .cta-banner-wrap { padding: 0 18px 56px; }
  .btn-white { width: 100%; justify-content: center; }

  .team-stats { grid-template-columns: 1fr 1fr; gap: 14px; }
  .team-stat { padding: 20px 14px; }
  .team-stat .num { font-size: 32px; }
  .about-hero h1 { font-size: 34px; }
  .about-hero { padding: 56px 18px; }
  .about-body { padding: 40px 18px; }

  .contact-hero h1 { font-size: 32px; }
  .contact-hero { padding: 52px 18px 40px; }
  .contact-body { padding: 36px 18px; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }

  .detail-hero { padding: 48px 18px 36px; }
  .detail-hero h1 { font-size: 28px; }
  .detail-emoji { font-size: 42px; }
  .detail-body { padding: 32px 18px; gap: 32px; }
  .docs-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .rate-table { font-size: 12px; }
  .rate-table th, .rate-table td { padding: 9px 12px; }

  .footer-main { grid-template-columns: 1fr; gap: 28px; padding: 40px 18px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; padding: 16px 18px; }
  .footer-bottom-links { justify-content: center; }

  .banks-grid { gap: 10px; }
  .bank-pill { font-size: 13px; padding: 8px 16px; }
  .why-visual { aspect-ratio: 4/3; }
  .why-visual-card { grid-template-columns: 1fr 1fr; }
  .why-item { padding: 16px; }
}

/* ════════════════════════════════
   RESPONSIVE — SMALL (≤ 480px)
   ════════════════════════════════ */
@media (max-width: 480px) {
  .hero h1 { font-size: 28px; }
  .loans-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .detail-hero h1 { font-size: 24px; }
  .section-title { font-size: 22px; }
}


/* ============================================================
   CONTACT PAGE
   ============================================================ */
:root {
  --navy: #0d2d6e;
  --blue: #1a52b8;
  --sky: #2e7dd6;
  --light-blue: #d4e8fa;
  --pale: #eef5fd;
  --white: #ffffff;
  --gold: #e8a020;
  --text: #1a2744;
  --muted: #5a7090;
  --border: #c8ddf5;
  --radius: 14px;
  --shadow: 0 4px 24px rgba(13,45,110,.10);
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  font-size: 16px;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 16px rgba(13,45,110,.07);
  overflow: visible;
}
.nav-top {
  background: var(--navy);
  color: rgba(255,255,255,.8);
  font-size: 13px;
  display: flex; justify-content: flex-end; gap: 24px;
  padding: 7px 48px;
}
.nav-top a { color: #ffffff; text-decoration: none; transition: color .2s; font-weight: 700; }
.nav-top span { color: #ffffff; font-weight: 700; }
.nav-top a:hover { color: white; }
.nav-main {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 32px; gap: 12px;
}
.logo-area { display: flex; align-items: center; gap: 12px; cursor: pointer; text-decoration: none; flex-shrink: 0; }
.logo-icon {
  width: 46px; height: 46px; min-width: 46px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 21px; font-weight: 800;
  box-shadow: 0 4px 12px rgba(13,45,110,.25);
}
.logo-text { line-height: 1.2; }
.logo-text strong { display: block; font-family: 'Playfair Display', serif; font-size: 17px; color: var(--navy); }
.logo-text span { font-size: 11px; color: var(--muted); letter-spacing: .4px; }

.nav-links { display: flex; align-items: center; gap: 4px; margin-right: 0; margin-left: 24px; padding-right: 8px; }
.nav-links a, .nav-links button {
  background: none; border: none; cursor: pointer;
  font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 500;
  color: var(--text); padding: 9px 13px; border-radius: 8px;
  text-decoration: none; transition: all .2s; white-space: nowrap;
}
.nav-links a:hover, .nav-links button:hover { background: var(--pale); color: var(--blue); }
.nav-links a.active, .nav-links button.active { color: var(--blue) !important; background: var(--pale) !important; font-weight: 700 !important; }
.nav-cta {
  background: var(--blue) !important; color: white !important;
  padding: 10px 20px !important; border-radius: 8px !important; font-weight: 700 !important;
}
.nav-cta:hover { background: var(--navy) !important; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(26,82,184,.3) !important; }

/* Dropdown */
.dropdown { position: relative; }
.dropdown-menu {
  display: none; position: absolute; top: calc(100% + 10px); left: 0;
  background: white; border: 1px solid var(--border);
  border-radius: 14px; box-shadow: 0 20px 50px rgba(13,45,110,.15);
  min-width: 260px; padding: 8px;
  grid-template-columns: 1fr 1fr; gap: 2px;
  z-index: 100;
}
.dropdown-menu.open { display: grid; }
.dropdown-menu a {
  display: flex !important; align-items: center; gap: 8px;
  font-size: 13px !important; padding: 10px 12px !important;
  border-radius: 8px; white-space: nowrap; text-decoration: none;
  color: var(--text) !important;
}
.dropdown-menu a:hover { background: var(--pale) !important; color: var(--blue) !important; }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; background: none; border: none; }
.hamburger span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; display: block; transition: all .3s; }

/* Mobile nav */
.mobile-menu {
  display: none; background: white;
  border-top: 1px solid var(--border);
  padding: 12px 0;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  max-height: 0;
  transition: max-height .4s ease;
}
.mobile-menu.open { display: block; max-height: calc(100vh - 130px); overflow-y: auto; }
.mobile-menu a, .mobile-menu button {
  display: flex; align-items: center; gap: 10px;
  width: 100%; text-align: left;
  padding: 13px 24px; border: none; background: none;
  font-family: 'DM Sans'; font-size: 15px; color: var(--text);
  cursor: pointer; text-decoration: none;
  border-bottom: 1px solid var(--pale);
  transition: background .15s;
}
.mobile-menu a:hover, .mobile-menu button:hover { background: var(--pale); color: var(--blue); }
.mobile-menu .m-section { padding: 8px 24px 4px; font-size: 11px; font-weight: 700; letter-spacing: 1.5px; color: var(--muted); text-transform: uppercase; background: none; border: none; }
.mobile-menu .m-cta { background: var(--blue); color: white !important; margin: 12px 24px; border-radius: 10px; justify-content: center; font-weight: 700; }
.mobile-menu .m-cta:hover { background: var(--navy); }

/* ── BUTTONS ── */
.btn-primary {
  background: white; color: var(--navy);
  padding: 14px 28px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s; box-shadow: 0 4px 20px rgba(0,0,0,.18);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,0,0,.22); }
.btn-outline {
  border: 2px solid rgba(255,255,255,.5); color: white;
  padding: 14px 28px; border-radius: 10px;
  font-weight: 600; font-size: 15px; cursor: pointer;
  background: transparent; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s;
}
.btn-outline:hover { background: rgba(255,255,255,.12); border-color: white; }
.btn-blue {
  background: var(--blue); color: white;
  padding: 13px 26px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s;
}
.btn-blue:hover { background: var(--navy); transform: translateY(-1px); }
.btn-white {
  background: white; color: var(--navy);
  padding: 15px 32px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer;
  border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px;
  transition: all .25s; white-space: nowrap;
}
.btn-white:hover { transform: scale(1.03); box-shadow: 0 8px 24px rgba(0,0,0,.15); }

/* ── SECTION COMMONS ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 48px; }
.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 56px 0; }
.section-label { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--sky); margin-bottom: 10px; }
.section-title { font-family: 'Playfair Display', serif; font-size: 38px; line-height: 1.2; color: var(--navy); margin-bottom: 14px; }
.section-sub { font-size: 16px; color: var(--muted); line-height: 1.75; max-width: 580px; }
.section-head { margin-bottom: 48px; }
.section-head.center { text-align: center; }
.section-head.center .section-sub { margin: 0 auto; }

/* ── HERO ── */
.hero {
  min-height: 90vh;
  background: linear-gradient(135deg, var(--navy) 0%, #1740a0 50%, var(--sky) 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center;
}
.hero-bg {
  position: absolute; inset: 0;
  background: radial-gradient(circle at 72% 48%, rgba(255,255,255,.08) 0%, transparent 60%),
              radial-gradient(circle at 18% 82%, rgba(46,125,214,.25) 0%, transparent 50%);
}
.hero-grid {
  position: absolute; inset: 0; opacity: .05;
  background-image: linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 48px 48px;
}
.hero-inner {
  position: relative; z-index: 2; width: 100%;
  padding: 80px 48px;
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center;
  max-width: 1300px; margin: 0 auto;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  color: white; font-size: 13px; padding: 7px 16px; border-radius: 100px;
  margin-bottom: 22px; backdrop-filter: blur(10px); font-weight: 500;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 54px; line-height: 1.08; color: white; margin-bottom: 18px;
}
.hero h1 span { color: #7ecdf5; }
.hero p { color: rgba(255,255,255,.82); font-size: 17px; line-height: 1.75; margin-bottom: 32px; max-width: 520px; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-trust { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.trust-chip {
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.85); font-size: 12px; padding: 6px 14px; border-radius: 100px;
}
.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.stat-card {
  background: rgba(255,255,255,.13); backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: 18px; padding: 26px 22px; text-align: center; color: white;
  transition: transform .25s;
}
.stat-card:hover { transform: translateY(-4px); }
.stat-card .num { font-family: 'Playfair Display', serif; font-size: 38px; font-weight: 800; color: white; display: block; }
.stat-card .lbl { font-size: 13px; color: rgba(255,255,255,.7); margin-top: 4px; }

/* Ticker */
.ticker-wrap {
  background: var(--navy); padding: 13px 0; overflow: hidden;
  border-bottom: 3px solid var(--gold);
}
.ticker-track { display: flex; gap: 40px; animation: ticker 30s linear infinite; width: max-content; }
.ticker-track span { color: rgba(255,255,255,.8); font-size: 13px; font-weight: 500; white-space: nowrap; }
.ticker-track span strong { color: var(--gold); }
@keyframes ticker { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }

/* ── WHY US ── */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.why-visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--sky) 100%);
  border-radius: 22px; aspect-ratio: 4/3; position: relative; overflow: hidden;
  display: flex; align-items: flex-end;
}
.why-visual-bg { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; font-size: 120px; opacity: .12; }
.why-visual-card {
  position: relative; z-index: 1; width: 100%;
  background: rgba(255,255,255,.12); backdrop-filter: blur(12px);
  border-top: 1px solid rgba(255,255,255,.2); padding: 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
}
.why-mini-stat { color: white; }
.why-mini-stat .n { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 800; }
.why-mini-stat .l { font-size: 12px; opacity: .7; margin-top: 2px; }
.why-items { display: flex; flex-direction: column; gap: 18px; }
.why-item {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--pale); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 20px; transition: all .22s;
}
.why-item:hover { border-color: var(--sky); transform: translateX(5px); box-shadow: var(--shadow); }
.why-icon { width: 44px; height: 44px; min-width: 44px; background: var(--blue); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.why-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.why-item p { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* ── LOAN CARDS ── */
.loans-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.loan-card {
  background: white; border: 1.5px solid var(--border);
  border-radius: 16px; padding: 22px; cursor: pointer;
  transition: all .25s; position: relative; overflow: hidden; text-decoration: none; display: block;
}
.loan-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--sky));
  transform: scaleX(0); transition: transform .3s; transform-origin: left;
}
.loan-card:hover { transform: translateY(-6px); box-shadow: 0 20px 44px rgba(13,45,110,.13); border-color: var(--sky); }
.loan-card:hover::before { transform: scaleX(1); }
.loan-emoji { font-size: 30px; margin-bottom: 12px; display: block; }
.loan-card h3 { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 5px; }
.loan-rate { font-size: 12px; color: var(--sky); font-weight: 700; margin-bottom: 8px; }
.loan-card p { font-size: 12px; color: var(--muted); line-height: 1.6; }
.card-arrow { display: inline-flex; align-items: center; gap: 4px; font-size: 12px; font-weight: 600; color: var(--blue); margin-top: 12px; }

/* ── SERVICES CARDS ── */
.services-bg { background: var(--pale); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  background: white; border-radius: 18px; padding: 30px;
  border: 1.5px solid var(--border); cursor: pointer; transition: all .25s; text-decoration: none; display: block;
}
.service-card:hover { transform: translateY(-5px); box-shadow: 0 18px 44px rgba(13,45,110,.11); border-color: var(--blue); }
.service-icon { font-size: 40px; margin-bottom: 14px; }
.service-card h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.service-card p { font-size: 14px; color: var(--muted); line-height: 1.75; }
.learn-more { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; color: var(--blue); font-weight: 600; font-size: 14px; }

/* ── BANKS ── */
.banks-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 36px; }
.bank-pill {
  background: var(--pale); border: 1.5px solid var(--border);
  padding: 10px 22px; border-radius: 100px;
  font-size: 14px; font-weight: 600; color: var(--navy); transition: all .2s;
}
.bank-pill:hover { background: var(--blue); color: white; border-color: var(--blue); transform: translateY(-2px); }

/* ── STEPS ── */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.steps-grid::before {
  content: ''; position: absolute; top: 35px; left: 13%; right: 13%; height: 2px;
  background: linear-gradient(90deg, var(--border) 0%, var(--blue) 50%, var(--border) 100%);
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 68px; height: 68px; margin: 0 auto 18px;
  background: white; border: 3px solid var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 800; color: var(--blue);
  box-shadow: 0 0 0 8px var(--pale);
}
.step-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-item p { font-size: 13px; color: var(--muted); line-height: 1.65; }

/* ── CTA BANNER ── */
.cta-banner {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 22px; padding: 56px 60px;
  display: flex; align-items: center; justify-content: space-between; gap: 40px;
}
.cta-banner-wrap { padding: 0 48px 80px; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: 34px; color: white; margin-bottom: 10px; }
.cta-banner p { color: rgba(255,255,255,.75); font-size: 16px; }

/* ── ABOUT ── */
.about-hero {
  background: linear-gradient(135deg, var(--navy), var(--sky));
  padding: 100px 48px; text-align: center; color: white;
}
.about-hero h1 { font-family: 'Playfair Display', serif; font-size: 50px; margin-bottom: 16px; }
.about-hero p { font-size: 18px; color: rgba(255,255,255,.8); max-width: 560px; margin: 0 auto; }
.about-body { max-width: 900px; margin: 0 auto; padding: 64px 48px; }
.about-body p { font-size: 16px; color: var(--muted); line-height: 1.9; margin-bottom: 20px; }
.team-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin: 40px 0; }
.team-stat { text-align: center; background: var(--pale); border: 1px solid var(--border); border-radius: 16px; padding: 26px 18px; }
.team-stat .num { font-family: 'Playfair Display', serif; font-size: 40px; color: var(--blue); font-weight: 800; }
.team-stat .lbl { font-size: 13px; color: var(--muted); margin-top: 6px; }
.about-h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 32px 0 14px; }

/* ── CONTACT ── */
.contact-hero { background: linear-gradient(135deg, var(--navy), var(--blue)); padding: 80px 48px 60px; color: white; text-align: center; }
.contact-hero h1 { font-family: 'Playfair Display', serif; font-size: 46px; margin-bottom: 14px; }
.contact-hero p { color: rgba(255,255,255,.8); font-size: 17px; max-width: 520px; margin: 0 auto; }
.contact-body { display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; max-width: 1100px; margin: 0 auto; padding: 60px 48px; }
.contact-info h2 { font-family: 'Playfair Display', serif; font-size: 30px; color: var(--navy); margin-bottom: 14px; }
.contact-info > p { color: var(--muted); line-height: 1.8; margin-bottom: 28px; }
.contact-detail { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.contact-detail-icon { width: 46px; height: 46px; min-width: 46px; background: var(--pale); border: 1px solid var(--border); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 20px; }
.contact-detail h4 { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.contact-detail p { font-size: 14px; color: var(--muted); margin: 0; }
.promise-box { margin-top: 28px; padding: 20px; background: var(--pale); border: 1px solid var(--border); border-radius: 14px; }
.promise-box h4 { font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.promise-box p { font-size: 14px; color: var(--muted); line-height: 1.7; margin: 0; }
.contact-form-card { background: var(--pale); border: 1px solid var(--border); border-radius: 20px; padding: 32px; }
.contact-form-card h3 { font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 22px; }

/* ── FORMS ── */
.form-group { margin-bottom: 16px; }
.form-group label { font-size: 12px; font-weight: 700; color: var(--muted); display: block; margin-bottom: 7px; text-transform: uppercase; letter-spacing: .5px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: 10px;
  font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: white; outline: none; transition: border-color .2s; appearance: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,82,184,.08); }
.form-group textarea { height: 96px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-submit {
  width: 100%; background: var(--blue); color: white;
  border: none; padding: 15px; border-radius: 10px;
  font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s;
}
.form-submit:hover { background: var(--navy); }

/* ── DETAIL HERO ── */
.detail-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 60%, var(--sky) 100%);
  padding: 72px 48px 56px; color: white; position: relative; overflow: hidden;
}
.detail-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(255,255,255,.07) 0%, transparent 60%);
}
.detail-hero-inner { position: relative; z-index: 1; max-width: 800px; margin: 0 auto; text-align: center; }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,.6); margin-bottom: 18px; }
.breadcrumb a { color: rgba(255,255,255,.6); text-decoration: none; }
.breadcrumb a:hover { color: white; }
.breadcrumb span { color: rgba(255,255,255,.9); }
.detail-emoji { font-size: 52px; margin-bottom: 14px; display: block; line-height: 1; }
.detail-hero h1 { font-family: 'Playfair Display', serif; font-size: 44px; margin-bottom: 14px; line-height: 1.1; }
.detail-hero p { font-size: 17px; color: rgba(255,255,255,.82); line-height: 1.75; max-width: 600px; margin: 0 auto; }
.rate-badge {
  display: inline-block; margin-top: 18px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  padding: 8px 20px; border-radius: 100px; font-size: 15px; font-weight: 700;
}
.detail-badges { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; justify-content: center; }
.detail-badge { background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.24); padding: 6px 14px; border-radius: 100px; font-size: 12px; font-weight: 600; }

/* ── DETAIL BODY ── */
.detail-body { max-width: 1200px; margin: 0 auto; padding: 56px 48px; display: grid; grid-template-columns: 1fr 340px; gap: 48px; align-items: start; }
.detail-content {}
.detail-content h2 { font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy); margin: 36px 0 14px; }
.detail-content h2:first-of-type { margin-top: 0; }
.detail-content p { color: var(--muted); line-height: 1.85; font-size: 15px; margin-bottom: 16px; }
.detail-content ul { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 20px; }
.detail-content ul li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; color: var(--text); line-height: 1.6; }
.detail-content ul li::before {
  content: '✓'; min-width: 22px; height: 22px;
  background: var(--light-blue); color: var(--blue);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 700; margin-top: 1px; flex-shrink: 0;
}

/* Info boxes */
.info-box {
  background: var(--pale); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 24px; margin: 24px 0;
}
.info-box h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 12px; display: flex; align-items: center; gap: 8px; }
.info-box p { font-size: 14px; color: var(--muted); margin: 0; line-height: 1.75; }
.info-box ul { margin: 0; }
.info-box ul li { font-size: 14px; }

.highlight-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
  border-radius: 14px; padding: 24px; margin: 24px 0; color: white;
}
.highlight-box h4 { font-size: 15px; font-weight: 700; margin-bottom: 10px; }
.highlight-box p { font-size: 14px; color: rgba(255,255,255,.8); margin: 0; line-height: 1.75; }

.rate-table { width: 100%; border-collapse: collapse; margin: 16px 0 24px; }
.rate-table th { background: var(--navy); color: white; padding: 12px 16px; text-align: left; font-size: 13px; font-weight: 600; }
.rate-table th:first-child { border-radius: 8px 0 0 0; }
.rate-table th:last-child { border-radius: 0 8px 0 0; }
.rate-table td { padding: 11px 16px; font-size: 13px; border-bottom: 1px solid var(--border); }
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--pale); }

.docs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.doc-item { background: var(--pale); border: 1px solid var(--border); border-radius: 8px; padding: 11px 14px; font-size: 13px; color: var(--text); display: flex; align-items: center; gap: 8px; }
.doc-item::before { content: '📄'; font-size: 14px; }

.eligibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 14px 0; }
.elig-card { background: white; border: 1.5px solid var(--border); border-radius: 12px; padding: 16px; }
.elig-card h5 { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.elig-card ul { margin: 0; }
.elig-card ul li { font-size: 12px; color: var(--muted); }
.elig-card ul li::before { width: 18px; height: 18px; font-size: 10px; }

.faq-item { border: 1px solid var(--border); border-radius: 12px; margin-bottom: 10px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: white; border: none; padding: 16px 20px; font-family: 'DM Sans'; font-size: 14px; font-weight: 600; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: background .2s; }
.faq-q:hover { background: var(--pale); }
.faq-q .arr { font-size: 18px; transition: transform .25s; }
.faq-q.open .arr { transform: rotate(45deg); }
.faq-a { display: none; padding: 0 20px 16px; font-size: 14px; color: var(--muted); line-height: 1.75; background: var(--pale); }
.faq-a.open { display: block; }

/* ── SIDEBAR ── */
.detail-sidebar { display: flex; flex-direction: column; gap: 20px; position: sticky; top: 88px; }
.sidebar-card { background: white; border: 1.5px solid var(--border); border-radius: 16px; padding: 24px; }
.sidebar-card h3 { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 18px; }
.sidebar-card input, .sidebar-card select {
  width: 100%; padding: 11px 14px;
  border: 1.5px solid var(--border); border-radius: 8px;
  font-family: 'DM Sans', sans-serif; font-size: 14px; color: var(--text);
  background: white; outline: none; transition: border-color .2s; margin-bottom: 12px;
}
.sidebar-card input:focus, .sidebar-card select:focus { border-color: var(--blue); }
.sidebar-card label { font-size: 11px; font-weight: 700; color: var(--muted); display: block; margin-bottom: 5px; text-transform: uppercase; letter-spacing: .5px; }
.sidebar-card .s-group { margin-bottom: 14px; }
.btn-apply { width: 100%; background: var(--blue); color: white; border: none; padding: 14px; border-radius: 10px; font-weight: 700; font-size: 15px; cursor: pointer; transition: background .2s; }
.btn-apply:hover { background: var(--navy); }
.info-row { display: flex; justify-content: space-between; align-items: center; padding: 11px 0; border-bottom: 1px solid var(--pale); font-size: 14px; }
.info-row:last-child { border-bottom: none; }
.info-row span:first-child { color: var(--muted); }
.info-row span:last-child { font-weight: 700; color: var(--navy); text-align: right; }
.sidebar-call { background: var(--navy); border-color: var(--navy); }
.sidebar-call h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 6px; }
.sidebar-call p { color: rgba(255,255,255,.65); font-size: 13px; margin-bottom: 14px; }
.sidebar-call a { display: block; background: white; color: var(--navy); text-align: center; padding: 12px; border-radius: 8px; font-weight: 700; text-decoration: none; transition: background .2s; }
.sidebar-call a:hover { background: var(--light-blue); }
.sidebar-whatsapp { display: block; background: #25D366; color: white; text-align: center; padding: 10px; border-radius: 8px; font-weight: 700; text-decoration: none; margin-top: 8px; font-size: 13px; }

/* ── BACK BTN ── */
.back-btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: none; border: 1.5px solid var(--border);
  padding: 10px 18px; border-radius: 8px;
  font-family: 'DM Sans'; font-size: 13px; font-weight: 600;
  color: var(--navy); cursor: pointer; margin-bottom: 28px;
  transition: all .2s; text-decoration: none;
}
.back-btn:hover { border-color: var(--blue); color: var(--blue); background: var(--pale); }

/* ── FOOTER ── */
footer { background: var(--navy); color: rgba(255,255,255,.75); }
.footer-main { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; padding: 60px 48px; max-width: 1280px; margin: 0 auto; }
.footer-brand .logo-area { margin-bottom: 16px; }
.footer-brand p { font-size: 14px; line-height: 1.8; margin-bottom: 22px; }
.footer-contact-item { display: flex; align-items: center; gap: 8px; font-size: 14px; margin-bottom: 8px; }
.footer-contact-item a { color: rgba(255,255,255,.75); text-decoration: none; }
footer h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: .8px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,.62); text-decoration: none; font-size: 14px; transition: color .2s; }
.footer-links a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 48px; display: flex; justify-content: space-between; align-items: center; font-size: 13px; max-width: 1280px; margin: 0 auto; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: rgba(255,255,255,.4); text-decoration: none; font-size: 12px; }

/* ── TOAST ── */
.toast { position: fixed; bottom: 28px; right: 28px; z-index: 9999; background: #0d6e3b; color: white; padding: 16px 24px; border-radius: 12px; font-weight: 600; font-size: 15px; box-shadow: 0 8px 30px rgba(0,0,0,.2); animation: slideIn .4s ease; }
@keyframes slideIn { from{transform:translateX(100px);opacity:0} to{transform:translateX(0);opacity:1} }
@keyframes fadeUp { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }
.animate { animation: fadeUp .6s ease forwards; opacity: 0; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .25s; }
.delay-3 { animation-delay: .4s; }

/* ════════════════════════════════
   RESPONSIVE — TABLET (≤ 1024px)
   ════════════════════════════════ */
@media (max-width: 1024px) {
  .nav-main { padding: 12px 20px; }
  .nav-top { padding: 7px 24px; }
  .container { padding: 0 24px; }
  .hero-inner { padding: 72px 24px; grid-template-columns: 1fr; gap: 40px; }
  .hero h1 { font-size: 44px; }
  .hero-stats { grid-template-columns: repeat(4, 1fr); max-width: 540px; }
  .stat-card .num { font-size: 28px; }
  .loans-grid { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: 1fr; gap: 36px; }
  .why-visual { aspect-ratio: 16/7; }
  .detail-body { grid-template-columns: 1fr; padding: 40px 24px; }
  .detail-sidebar { position: static; }
  .detail-hero { padding: 56px 24px 44px; }
  .detail-hero h1 { font-size: 36px; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; padding: 48px 24px; }
  .footer-bottom { padding: 18px 24px; }
  .cta-banner-wrap { padding: 0 24px 60px; }
  .team-stats { grid-template-columns: repeat(2, 1fr); }
  .about-hero { padding: 72px 24px; }
  .about-body { padding: 48px 24px; }
  .contact-body { padding: 48px 24px; grid-template-columns: 1fr; }
  .contact-hero { padding: 64px 24px 48px; }
  .section-title { font-size: 32px; }
}

/* ════════════════════════════════
   RESPONSIVE — MOBILE (≤ 768px)
   ════════════════════════════════ */
@media (max-width: 768px) {
  .nav-top { display: none; }
  .nav-main { padding: 12px 14px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .logo-text strong { font-size: 15px; }
  .logo-text span { display: none; }

  .hero { min-height: auto; }
  .hero-inner { padding: 56px 18px 48px; }
  .hero h1 { font-size: 34px; }
  .hero p { font-size: 15px; }
  .hero-btns { flex-direction: column; }
  .btn-primary, .btn-outline { width: 100%; justify-content: center; }
  .hero-stats { grid-template-columns: 1fr 1fr; max-width: 100%; }
  .stat-card { padding: 18px 14px; }
  .stat-card .num { font-size: 26px; }
  .hero-trust { display: none; }

  .section-pad { padding: 56px 0; }
  .container { padding: 0 18px; }
  .section-title { font-size: 26px; }
  .section-head { margin-bottom: 32px; }

  .loans-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .loan-card { padding: 16px; }

  .services-grid { grid-template-columns: 1fr; gap: 16px; }
  .service-card { padding: 24px; }

  .steps-grid { grid-template-columns: 1fr 1fr; gap: 20px; }
  .steps-grid::before { display: none; }

  .cta-banner { flex-direction: column; align-items: flex-start; padding: 36px 28px; gap: 24px; }
  .cta-banner h2 { font-size: 24px; }
  .cta-banner-wrap { padding: 0 18px 56px; }
  .btn-white { width: 100%; justify-content: center; }

  .team-stats { grid-template-columns: 1fr 1fr; gap: 14px; }
  .team-stat { padding: 20px 14px; }
  .team-stat .num { font-size: 32px; }
  .about-hero h1 { font-size: 34px; }
  .about-hero { padding: 56px 18px; }
  .about-body { padding: 40px 18px; }

  .contact-hero h1 { font-size: 32px; }
  .contact-hero { padding: 52px 18px 40px; }
  .contact-body { padding: 36px 18px; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }

  .detail-hero { padding: 48px 18px 36px; }
  .detail-hero h1 { font-size: 28px; }
  .detail-emoji { font-size: 42px; }
  .detail-body { padding: 32px 18px; gap: 32px; }
  .docs-grid { grid-template-columns: 1fr; }
  .eligibility-grid { grid-template-columns: 1fr; }
  .rate-table { font-size: 12px; }
  .rate-table th, .rate-table td { padding: 9px 12px; }

  .footer-main { grid-template-columns: 1fr; gap: 28px; padding: 40px 18px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; padding: 16px 18px; }
  .footer-bottom-links { justify-content: center; }

  .banks-grid { gap: 10px; }
  .bank-pill { font-size: 13px; padding: 8px 16px; }
  .why-visual { aspect-ratio: 4/3; }
  .why-visual-card { grid-template-columns: 1fr 1fr; }
  .why-item { padding: 16px; }
}

/* ════════════════════════════════
   RESPONSIVE — SMALL (≤ 480px)
   ════════════════════════════════ */
@media (max-width: 480px) {
  .hero h1 { font-size: 28px; }
  .loans-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .detail-hero h1 { font-size: 24px; }
  .section-title { font-size: 22px; }
}


/* ============================================================
   BLOG LISTING PAGE
   ============================================================ */
:root {
  --navy: #0d2d6e;
  --blue: #1a52b8;
  --sky: #2e7dd6;
  --light-blue: #d4e8fa;
  --pale: #eef5fd;
  --white: #ffffff;
  --gold: #e8a020;
  --text: #1a2744;
  --muted: #5a7090;
  --border: #c8ddf5;
  --radius: 14px;
  --shadow: 0 4px 24px rgba(13,45,110,.10);
}
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; font-size: 16px; line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; }

/* ── NAV ── */
nav { position: sticky; top: 0; z-index: 1000; background: var(--white); border-bottom: 1px solid var(--border); box-shadow: 0 2px 16px rgba(13,45,110,.07); overflow: visible; }
.nav-top { background: var(--navy); color: #ffffff; font-size: 13px; font-weight: 700; display: flex; justify-content: flex-end; gap: 24px; padding: 7px 48px; }
.nav-top a { color: #ffffff; text-decoration: none; transition: color .2s; font-weight: 700; }
.nav-top span { color: #ffffff; font-weight: 700; }
.nav-top a:hover { color: white; }
.nav-main { display: flex; align-items: center; justify-content: space-between; padding: 14px 32px; gap: 12px; }
.logo-area { display: flex; align-items: center; gap: 12px; cursor: pointer; text-decoration: none; flex-shrink: 0; }
.logo-text { line-height: 1.2; }
.logo-text strong { display: block; font-family: 'Playfair Display', serif; font-size: 17px; color: var(--navy); }
.logo-text span { font-size: 11px; color: var(--muted); letter-spacing: .4px; }
.nav-links { display: flex; align-items: center; gap: 4px; margin-right: 0; margin-left: 24px; padding-right: 8px; }
.nav-links a, .nav-links button { background: none; border: none; cursor: pointer; font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 500; color: var(--text); padding: 9px 13px; border-radius: 8px; text-decoration: none; transition: all .2s; white-space: nowrap; }
.nav-links a:hover, .nav-links button:hover { background: var(--pale); color: var(--blue); }
.nav-links a.active { color: var(--blue); background: var(--pale); font-weight: 700; }
.nav-cta { background: var(--blue) !important; color: white !important; padding: 10px 20px !important; border-radius: 8px !important; font-weight: 700 !important; }
.nav-cta:hover { background: var(--navy) !important; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(26,82,184,.3) !important; }
.dropdown { position: relative; }
.dropdown-menu { display: none; position: absolute; top: calc(100% + 10px); left: 0; background: white; border: 1px solid var(--border); border-radius: 14px; box-shadow: 0 20px 50px rgba(13,45,110,.15); min-width: 260px; padding: 8px; grid-template-columns: 1fr 1fr; gap: 2px; z-index: 100; }
.dropdown-menu.open { display: grid; }
.dropdown-menu a { display: flex !important; align-items: center; gap: 8px; font-size: 13px !important; padding: 10px 12px !important; border-radius: 8px; white-space: nowrap; text-decoration: none; color: var(--text) !important; }
.dropdown-menu a:hover { background: var(--pale) !important; color: var(--blue) !important; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; background: none; border: none; }
.hamburger span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; display: block; transition: all .3s; }
.mobile-menu { display: none; background: white; border-top: 1px solid var(--border); padding: 12px 0; overflow-y: auto; -webkit-overflow-scrolling: touch; max-height: 0; transition: max-height .4s ease; }
.mobile-menu.open { display: block; max-height: calc(100vh - 130px); overflow-y: auto; }
.mobile-menu a, .mobile-menu button { display: flex; align-items: center; gap: 10px; width: 100%; text-align: left; padding: 13px 24px; border: none; background: none; font-family: 'DM Sans'; font-size: 15px; color: var(--text); cursor: pointer; text-decoration: none; border-bottom: 1px solid var(--pale); transition: background .15s; }
.mobile-menu a:hover, .mobile-menu button:hover { background: var(--pale); color: var(--blue); }
.mobile-menu .m-section { padding: 8px 24px 4px; font-size: 11px; font-weight: 700; letter-spacing: 1.5px; color: var(--muted); text-transform: uppercase; background: none; border: none; }
.mobile-menu .m-cta { background: var(--blue); color: white !important; margin: 12px 24px; border-radius: 10px; justify-content: center; font-weight: 700; }
.mobile-menu .m-cta:hover { background: var(--navy); }

/* ── BUTTONS ── */
.btn-blue { background: var(--blue); color: white; padding: 13px 26px; border-radius: 10px; font-weight: 700; font-size: 15px; cursor: pointer; border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; transition: all .25s; }
.btn-blue:hover { background: var(--navy); transform: translateY(-1px); }
.btn-white { background: white; color: var(--navy); padding: 15px 32px; border-radius: 10px; font-weight: 700; font-size: 15px; cursor: pointer; border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; transition: all .25s; white-space: nowrap; }
.btn-white:hover { transform: scale(1.03); box-shadow: 0 8px 24px rgba(0,0,0,.15); }
.btn-outline-blue { border: 2px solid var(--blue); color: var(--blue); background: transparent; padding: 10px 22px; border-radius: 10px; font-weight: 600; font-size: 14px; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; transition: all .2s; cursor: pointer; }
.btn-outline-blue:hover { background: var(--blue); color: white; }

/* ── CONTAINER ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 48px; }
.section-label { font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--sky); margin-bottom: 10px; }
.section-title { font-family: 'Playfair Display', serif; font-size: 38px; line-height: 1.2; color: var(--navy); margin-bottom: 14px; }
.section-sub { font-size: 16px; color: var(--muted); line-height: 1.75; max-width: 580px; }

/* ══════════════════════════════════
   1. BLOG HERO
   ══════════════════════════════════ */
.blog-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1740a0 50%, var(--sky) 100%);
  position: relative; overflow: hidden;
  padding: 88px 48px 72px;
}
.blog-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 75% 45%, rgba(255,255,255,.08) 0%, transparent 58%),
              radial-gradient(circle at 15% 85%, rgba(46,125,214,.22) 0%, transparent 48%);
}
.blog-hero-grid {
  position: absolute; inset: 0; opacity: .04;
  background-image: linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 48px 48px;
}
.blog-hero-inner { position: relative; z-index: 2; max-width: 1200px; margin: 0 auto; text-align: center; }
.blog-hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28);
  color: white; font-size: 13px; padding: 7px 16px; border-radius: 100px;
  margin-bottom: 20px; backdrop-filter: blur(10px); font-weight: 500;
}
.blog-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 52px; line-height: 1.08; color: white; margin-bottom: 16px;
}
.blog-hero h1 span { color: #7ecdf5; }
.blog-hero p { color: rgba(255,255,255,.82); font-size: 17px; line-height: 1.75; margin-bottom: 32px; max-width: 560px; margin-left: auto; margin-right: auto; }
.blog-hero-search { margin: 0 auto;
  display: flex; gap: 0; max-width: 480px;
  background: rgba(255,255,255,.12); border: 1.5px solid rgba(255,255,255,.28);
  border-radius: 12px; overflow: hidden; backdrop-filter: blur(10px);
}
.blog-hero-search input {
  flex: 1; background: transparent; border: none; outline: none;
  padding: 14px 18px; font-family: 'DM Sans'; font-size: 14px; color: white;
}
.blog-hero-search input::placeholder { color: rgba(255,255,255,.5); }
.blog-hero-search button {
  background: var(--gold); border: none; padding: 14px 22px; cursor: pointer;
  color: white; font-weight: 700; font-size: 14px; transition: background .2s;
}
.blog-hero-search button:hover { background: #d4911a; }
.blog-hero-stats { display: flex; gap: 32px; margin-top: 28px; flex-wrap: wrap; justify-content: center; }
.blog-hero-stat { color: white; }
.blog-hero-stat .n { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 800; display: block; }
.blog-hero-stat .l { font-size: 12px; color: rgba(255,255,255,.65); }

/* ══════════════════════════════════
   2. FEATURED POST
   ══════════════════════════════════ */
.featured-section { padding: 72px 0 56px; }
.featured-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; }
.featured-visual {
  background: linear-gradient(135deg, var(--navy) 0%, var(--sky) 100%);
  border-radius: 20px; aspect-ratio: 16/10; position: relative; overflow: hidden;
  display: flex; flex-direction: column; justify-content: flex-end;
}
.featured-visual-bg { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; font-size: 110px; opacity: .13; }
.featured-visual-overlay {
  position: relative; z-index: 1; padding: 28px;
  background: linear-gradient(0deg, rgba(0,0,0,.55) 0%, transparent 100%);
}
.featured-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--gold); color: white; font-size: 11px; font-weight: 700;
  padding: 5px 12px; border-radius: 100px; margin-bottom: 10px;
}
.featured-visual-overlay h3 { color: white; font-family: 'Playfair Display', serif; font-size: 22px; line-height: 1.25; }
.featured-content {}
.featured-category {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--light-blue); color: var(--blue); font-size: 11px; font-weight: 700;
  padding: 5px 12px; border-radius: 100px; margin-bottom: 16px; text-decoration: none;
  transition: all .2s;
}
.featured-category:hover { background: var(--blue); color: white; }
.featured-content h2 { font-family: 'Playfair Display', serif; font-size: 30px; color: var(--navy); line-height: 1.25; margin-bottom: 14px; }
.featured-content p { font-size: 15px; color: var(--muted); line-height: 1.8; margin-bottom: 20px; }
.post-meta { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-bottom: 22px; }
.post-meta-item { display: flex; align-items: center; gap: 5px; font-size: 13px; color: var(--muted); }
.post-meta-item strong { color: var(--navy); font-weight: 600; }
.read-more-link { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: 14px; color: var(--blue); text-decoration: none; padding: 12px 22px; background: var(--pale); border: 1.5px solid var(--border); border-radius: 10px; transition: all .22s; }
.read-more-link:hover { background: var(--blue); color: white; border-color: var(--blue); transform: translateY(-1px); }

/* ══════════════════════════════════
   3. POST GRID / LIST
   ══════════════════════════════════ */
.posts-section { padding: 56px 0 72px; background: var(--pale); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.posts-header { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; margin-bottom: 36px; }
.posts-header-left {}
.posts-header-left .section-label { margin-bottom: 6px; }
.posts-header-left h2 { font-family: 'Playfair Display', serif; font-size: 32px; color: var(--navy); }
.view-toggle { display: flex; gap: 6px; }
.view-btn { background: white; border: 1.5px solid var(--border); width: 38px; height: 38px; border-radius: 8px; cursor: pointer; display: flex; align-items: center; justify-content: center; font-size: 16px; transition: all .2s; }
.view-btn.active { background: var(--blue); border-color: var(--blue); color: white; }
.view-btn:hover { border-color: var(--blue); }

.posts-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.posts-grid.list-mode { grid-template-columns: 1fr; }

.post-card {
  background: white; border: 1.5px solid var(--border); border-radius: 18px;
  overflow: hidden; transition: all .25s; text-decoration: none; display: flex; flex-direction: column;
}
.post-card:hover { transform: translateY(-6px); box-shadow: 0 20px 48px rgba(13,45,110,.13); border-color: var(--sky); }
.posts-grid.list-mode .post-card { flex-direction: row; }

.post-thumb {
  background: linear-gradient(135deg, var(--navy), var(--sky));
  aspect-ratio: 16/9; position: relative; overflow: hidden;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.posts-grid.list-mode .post-thumb { width: 280px; aspect-ratio: auto; min-height: 180px; }
.post-thumb-emoji { font-size: 52px; opacity: .25; }
.post-thumb-overlay {
  position: absolute; inset: 0; padding: 16px;
  display: flex; flex-direction: column; justify-content: space-between;
}
.post-cat-tag {
  display: inline-flex; align-items: center; gap: 5px; align-self: flex-start;
  background: rgba(255,255,255,.2); border: 1px solid rgba(255,255,255,.3);
  color: white; font-size: 10px; font-weight: 700; padding: 4px 10px; border-radius: 100px;
  backdrop-filter: blur(6px); text-transform: uppercase; letter-spacing: .5px;
}
.post-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.post-body h3 { font-family: 'Playfair Display', serif; font-size: 18px; color: var(--navy); line-height: 1.3; margin-bottom: 10px; }
.posts-grid.list-mode .post-body h3 { font-size: 20px; }
.post-body p { font-size: 13px; color: var(--muted); line-height: 1.75; margin-bottom: 14px; flex: 1; }
.post-footer { display: flex; align-items: center; justify-content: space-between; margin-top: auto; padding-top: 14px; border-top: 1px solid var(--pale); }
.post-date { font-size: 12px; color: var(--muted); display: flex; align-items: center; gap: 4px; }
.post-read-time { font-size: 12px; color: var(--sky); font-weight: 600; }
.post-arrow { display: inline-flex; align-items: center; gap: 4px; font-size: 12px; font-weight: 700; color: var(--blue); }

/* Pagination */
.pagination { display: flex; justify-content: center; gap: 8px; margin-top: 48px; }
.page-btn { width: 42px; height: 42px; border: 1.5px solid var(--border); border-radius: 10px; background: white; cursor: pointer; font-family: 'DM Sans'; font-size: 14px; font-weight: 600; color: var(--text); transition: all .2s; display: flex; align-items: center; justify-content: center; }
.page-btn:hover { border-color: var(--blue); color: var(--blue); }
.page-btn.active { background: var(--blue); border-color: var(--blue); color: white; }

/* ══════════════════════════════════
   4. CATEGORIES / TAGS
   ══════════════════════════════════ */
.cats-section { padding: 72px 0; }
.cats-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; }

.cat-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.cat-card {
  background: white; border: 1.5px solid var(--border); border-radius: 16px;
  padding: 22px 20px; cursor: pointer; text-decoration: none; transition: all .25s; position: relative; overflow: hidden;
}
.cat-card::before {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--blue), var(--sky));
  transform: scaleX(0); transition: transform .3s; transform-origin: left;
}
.cat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--sky); }
.cat-card:hover::before { transform: scaleX(1); }
.cat-emoji { font-size: 28px; margin-bottom: 10px; display: block; }
.cat-card h4 { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.cat-count { font-size: 12px; color: var(--muted); }

.tags-cloud { display: flex; flex-direction: column; }
.tags-cloud h3 { font-family: 'Playfair Display', serif; font-size: 24px; color: var(--navy); margin-bottom: 6px; }
.tags-cloud > p { font-size: 14px; color: var(--muted); margin-bottom: 22px; }
.tags-wrap { display: flex; flex-wrap: wrap; gap: 10px; }
.tag-pill {
  background: var(--pale); border: 1.5px solid var(--border);
  padding: 8px 16px; border-radius: 100px; font-size: 13px; font-weight: 500;
  color: var(--text); text-decoration: none; transition: all .2s; cursor: pointer;
}
.tag-pill:hover { background: var(--blue); color: white; border-color: var(--blue); transform: translateY(-1px); }
.tag-pill.featured-tag { background: var(--light-blue); border-color: var(--blue); color: var(--blue); font-weight: 700; }
.tag-pill.featured-tag:hover { background: var(--blue); color: white; }

/* Newsletter mini box */
.newsletter-box {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 18px; padding: 28px; color: white; margin-top: 28px;
}
.newsletter-box h4 { font-family: 'Playfair Display', serif; font-size: 20px; margin-bottom: 8px; }
.newsletter-box p { font-size: 13px; color: rgba(255,255,255,.75); margin-bottom: 16px; }
.newsletter-form { display: flex; gap: 0; border-radius: 10px; overflow: hidden; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.25); }
.newsletter-form input { flex: 1; background: transparent; border: none; outline: none; padding: 12px 16px; font-family: 'DM Sans'; font-size: 13px; color: white; }
.newsletter-form input::placeholder { color: rgba(255,255,255,.5); }
.newsletter-form button { background: var(--gold); border: none; padding: 12px 18px; cursor: pointer; color: white; font-weight: 700; font-size: 13px; }
.newsletter-form button:hover { background: #d4911a; }

/* ══════════════════════════════════
   5. CTA BANNER
   ══════════════════════════════════ */
.cta-banner { background: linear-gradient(135deg, var(--navy), var(--blue)); border-radius: 22px; padding: 56px 60px; display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.cta-banner-wrap { padding: 0 48px 80px; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: 34px; color: white; margin-bottom: 10px; }
.cta-banner p { color: rgba(255,255,255,.75); font-size: 16px; }

/* ── FOOTER ── */
footer { background: var(--navy); color: rgba(255,255,255,.75); }
.footer-main { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; padding: 60px 48px; max-width: 1280px; margin: 0 auto; }
.footer-brand .logo-area { margin-bottom: 16px; }
.footer-brand p { font-size: 14px; line-height: 1.8; margin-bottom: 22px; }
.footer-contact-item { display: flex; align-items: center; gap: 8px; font-size: 14px; margin-bottom: 8px; }
.footer-contact-item a { color: rgba(255,255,255,.75); text-decoration: none; }
footer h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: .8px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,.62); text-decoration: none; font-size: 14px; transition: color .2s; }
.footer-links a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 48px; display: flex; justify-content: space-between; align-items: center; font-size: 13px; max-width: 1280px; margin: 0 auto; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .container { padding: 0 24px; }
  .nav-main { padding: 12px 20px; }
  .nav-top { padding: 7px 24px; }
  .blog-hero { padding: 64px 24px 56px; }
  .blog-hero h1 { font-size: 40px; }
  .featured-grid { grid-template-columns: 1fr; gap: 28px; }
  .posts-grid { grid-template-columns: 1fr 1fr; }
  .cats-layout { grid-template-columns: 1fr; gap: 36px; }
  .cta-banner { flex-direction: column; align-items: flex-start; padding: 40px 36px; gap: 24px; }
  .cta-banner-wrap { padding: 0 24px 60px; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; padding: 48px 24px; }
  .footer-bottom { padding: 18px 24px; }
}
@media (max-width: 768px) {
  .nav-top { display: none; }
  .nav-main { padding: 12px 14px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .blog-hero { padding: 52px 18px 44px; }
  .blog-hero h1 { font-size: 30px; }
  .blog-hero p { font-size: 15px; }
  .blog-hero-stats { gap: 20px; }
  .featured-section { padding: 48px 0 40px; }
  .posts-section { padding: 44px 0 56px; }
  .posts-grid { grid-template-columns: 1fr; }
  .posts-grid.list-mode .post-card { flex-direction: column; }
  .posts-grid.list-mode .post-thumb { width: 100%; min-height: auto; aspect-ratio: 16/9; }
  .cat-cards { grid-template-columns: 1fr 1fr; }
  .cats-section { padding: 48px 0; }
  .cta-banner { padding: 32px 24px; gap: 20px; }
  .cta-banner h2 { font-size: 24px; }
  .cta-banner-wrap { padding: 0 18px 56px; }
  .btn-white { width: 100%; justify-content: center; }
  .footer-main { grid-template-columns: 1fr; gap: 28px; padding: 40px 18px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; padding: 16px 18px; }
  .container { padding: 0 18px; }
}
@media (max-width: 480px) {
  .blog-hero h1 { font-size: 26px; }
  .cat-cards { grid-template-columns: 1fr; }
}

@keyframes fadeUp { from{opacity:0;transform:translateY(24px)} to{opacity:1;transform:translateY(0)} }
.animate { animation: fadeUp .6s ease forwards; opacity: 0; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .25s; }
.delay-3 { animation-delay: .4s; }


/* ============================================================
   BLOG DETAIL PAGE (home-loan-guide)
   ============================================================ */
:root {
  --navy: #0d2d6e;
  --blue: #1a52b8;
  --sky: #2e7dd6;
  --light-blue: #d4e8fa;
  --pale: #eef5fd;
  --white: #ffffff;
  --gold: #e8a020;
  --text: #1a2744;
  --muted: #5a7090;
  --border: #c8ddf5;
  --radius: 14px;
  --shadow: 0 4px 24px rgba(13,45,110,.10);
}
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; font-size: 16px; line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; }

/* ── NAV ── */
nav { position: sticky; top: 0; z-index: 1000; background: var(--white); border-bottom: 1px solid var(--border); box-shadow: 0 2px 16px rgba(13,45,110,.07); overflow: visible; }
.nav-top { background: var(--navy); color: #ffffff; font-size: 13px; font-weight: 700; display: flex; justify-content: flex-end; gap: 24px; padding: 7px 48px; }
.nav-top a { color: #ffffff; text-decoration: none; transition: color .2s; font-weight: 700; }
.nav-top span { color: #ffffff; font-weight: 700; }
.nav-top a:hover { color: white; }
.nav-main { display: flex; align-items: center; justify-content: space-between; padding: 14px 32px; gap: 12px; }
.logo-area { display: flex; align-items: center; gap: 12px; cursor: pointer; text-decoration: none; flex-shrink: 0; }
.nav-links { display: flex; align-items: center; gap: 4px; margin-right: 0; margin-left: 24px; padding-right: 8px; }
.nav-links a, .nav-links button { background: none; border: none; cursor: pointer; font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 500; color: var(--text); padding: 9px 13px; border-radius: 8px; text-decoration: none; transition: all .2s; white-space: nowrap; }
.nav-links a:hover, .nav-links button:hover { background: var(--pale); color: var(--blue); }
.nav-links a.active { color: var(--blue); background: var(--pale); font-weight: 700; }
.nav-cta { background: var(--blue) !important; color: white !important; padding: 10px 20px !important; border-radius: 8px !important; font-weight: 700 !important; }
.nav-cta:hover { background: var(--navy) !important; transform: translateY(-1px); box-shadow: 0 4px 12px rgba(26,82,184,.3) !important; }
.dropdown { position: relative; }
.dropdown-menu { display: none; position: absolute; top: calc(100% + 10px); left: 0; background: white; border: 1px solid var(--border); border-radius: 14px; box-shadow: 0 20px 50px rgba(13,45,110,.15); min-width: 260px; padding: 8px; grid-template-columns: 1fr 1fr; gap: 2px; z-index: 100; }
.dropdown-menu.open { display: grid; }
.dropdown-menu a { display: flex !important; align-items: center; gap: 8px; font-size: 13px !important; padding: 10px 12px !important; border-radius: 8px; white-space: nowrap; text-decoration: none; color: var(--text) !important; }
.dropdown-menu a:hover { background: var(--pale) !important; color: var(--blue) !important; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; background: none; border: none; }
.hamburger span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; display: block; transition: all .3s; }
.mobile-menu { display: none; background: white; border-top: 1px solid var(--border); padding: 12px 0; overflow-y: auto; max-height: 0; transition: max-height .4s ease; }
.mobile-menu.open { display: block; max-height: calc(100vh - 130px); overflow-y: auto; }
.mobile-menu a, .mobile-menu button { display: flex; align-items: center; gap: 10px; width: 100%; text-align: left; padding: 13px 24px; border: none; background: none; font-family: 'DM Sans'; font-size: 15px; color: var(--text); cursor: pointer; text-decoration: none; border-bottom: 1px solid var(--pale); transition: background .15s; }
.mobile-menu a:hover, .mobile-menu button:hover { background: var(--pale); color: var(--blue); }
.mobile-menu .m-section { padding: 8px 24px 4px; font-size: 11px; font-weight: 700; letter-spacing: 1.5px; color: var(--muted); text-transform: uppercase; background: none; border: none; }
.mobile-menu .m-cta { background: var(--blue); color: white !important; margin: 12px 24px; border-radius: 10px; justify-content: center; font-weight: 700; }
.mobile-menu .m-cta:hover { background: var(--navy); }

/* ══════════════════════════════════
   1. ARTICLE HERO
   ══════════════════════════════════ */
.article-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1740a0 55%, var(--sky) 100%);
  padding: 72px 48px 60px; position: relative; overflow: hidden;
}
.article-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 40%, rgba(255,255,255,.07) 0%, transparent 55%);
}
.article-hero-grid {
  position: absolute; inset: 0; opacity: .04;
  background-image: linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 48px 48px;
}
.article-hero-inner { position: relative; z-index: 2; max-width: 900px; margin: 0 auto; text-align: center; }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,.6); margin-bottom: 18px; display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.breadcrumb a { color: rgba(255,255,255,.6); text-decoration: none; transition: color .2s; }
.breadcrumb a:hover { color: white; }
.breadcrumb span { color: rgba(255,255,255,.9); }
.breadcrumb-sep { color: rgba(255,255,255,.3); }
.article-category-tag {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,.15); border: 1px solid rgba(255,255,255,.28);
  color: #7ecdf5; font-size: 12px; font-weight: 700; padding: 5px 14px;
  border-radius: 100px; margin-bottom: 18px; text-transform: uppercase; letter-spacing: .5px;
}
.article-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: 44px; line-height: 1.1; color: white; margin-bottom: 18px;
}
.article-hero-meta { display: flex; align-items: center; justify-content: center; gap: 20px; flex-wrap: wrap; margin-bottom: 20px; }
.meta-chip { display: flex; align-items: center; gap: 6px; font-size: 13px; color: rgba(255,255,255,.75); }
.meta-chip strong { color: white; font-weight: 600; }
.article-hero-tags { display: flex; gap: 8px; flex-wrap: wrap; justify-content: center; }
.hero-tag { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.8); font-size: 11px; padding: 4px 12px; border-radius: 100px; }

/* ══════════════════════════════════
   LAYOUT — Article + Sidebar
   ══════════════════════════════════ */
.article-layout {
  max-width: 1200px; margin: 0 auto; padding: 56px 48px;
  display: grid; grid-template-columns: 1fr 340px; gap: 56px; align-items: start;
}

/* ══════════════════════════════════
   2. ARTICLE CONTENT
   ══════════════════════════════════ */
.article-content {}
.article-intro {
  font-size: 17px; color: var(--text); line-height: 1.85; margin-bottom: 32px;
  padding: 22px 26px; background: var(--pale); border-left: 4px solid var(--blue);
  border-radius: 0 12px 12px 0; font-style: italic;
}
.article-content h2 {
  font-family: 'Playfair Display', serif; font-size: 26px; color: var(--navy);
  margin: 40px 0 14px; padding-bottom: 10px; border-bottom: 2px solid var(--pale);
}
.article-content h3 { font-size: 18px; font-weight: 700; color: var(--navy); margin: 24px 0 10px; }
.article-content p { font-size: 15px; color: var(--muted); line-height: 1.9; margin-bottom: 18px; }
.article-content strong { color: var(--text); }
.article-content ul { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 22px; }
.article-content ul li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; color: var(--text); line-height: 1.65; }
.article-content ul li::before { content: '✓'; min-width: 22px; height: 22px; background: var(--light-blue); color: var(--blue); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; margin-top: 1px; flex-shrink: 0; }
.article-content ol { padding-left: 20px; display: flex; flex-direction: column; gap: 10px; margin-bottom: 22px; }
.article-content ol li { font-size: 15px; color: var(--text); line-height: 1.65; padding-left: 6px; }

/* Info boxes */
.info-box { background: var(--pale); border: 1.5px solid var(--border); border-radius: 14px; padding: 22px 24px; margin: 24px 0; }
.info-box h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 10px; display: flex; align-items: center; gap: 8px; }
.info-box p { font-size: 14px; color: var(--muted); margin: 0; line-height: 1.75; }
.highlight-box { background: linear-gradient(135deg, var(--navy), var(--blue)); border-radius: 14px; padding: 24px; margin: 24px 0; color: white; }
.highlight-box h4 { font-size: 15px; font-weight: 700; margin-bottom: 8px; }
.highlight-box p { font-size: 14px; color: rgba(255,255,255,.82); margin: 0; line-height: 1.75; }

/* Rate table */
.rate-table { width: 100%; border-collapse: collapse; margin: 16px 0 24px; border-radius: 12px; overflow: hidden; }
.rate-table th { background: var(--navy); color: white; padding: 12px 16px; text-align: left; font-size: 13px; font-weight: 600; }
.rate-table td { padding: 11px 16px; font-size: 13px; border-bottom: 1px solid var(--border); }
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--pale); }

/* Docs grid */
.docs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.doc-item { background: var(--pale); border: 1px solid var(--border); border-radius: 8px; padding: 11px 14px; font-size: 13px; color: var(--text); display: flex; align-items: center; gap: 8px; }

/* ══════════════════════════════════
   3. SHARE BUTTONS
   ══════════════════════════════════ */
.share-section {
  margin-top: 48px; padding: 28px; background: var(--pale);
  border: 1.5px solid var(--border); border-radius: 16px;
}
.share-section h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.share-buttons { display: flex; gap: 10px; flex-wrap: wrap; }
.share-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 18px; border-radius: 10px; font-size: 13px; font-weight: 600;
  text-decoration: none; cursor: pointer; border: none; transition: all .2s; font-family: 'DM Sans';
}
.share-btn:hover { transform: translateY(-2px); box-shadow: 0 4px 14px rgba(0,0,0,.15); }
.share-whatsapp { background: #25D366; color: white; }
.share-facebook { background: #1877F2; color: white; }
.share-twitter { background: #1DA1F2; color: white; }
.share-linkedin { background: #0A66C2; color: white; }
.share-copy { background: var(--navy); color: white; }
.share-divider { width: 1px; background: var(--border); margin: 0 4px; }

/* ══════════════════════════════════
   4. AUTHOR BOX
   ══════════════════════════════════ */
.author-box {
  margin-top: 32px; padding: 28px;
  background: white; border: 1.5px solid var(--border); border-radius: 18px;
  display: flex; gap: 22px; align-items: flex-start;
}
.author-avatar {
  width: 72px; height: 72px; min-width: 72px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: 28px; color: white; font-weight: 800; font-family: 'Playfair Display', serif;
  box-shadow: 0 4px 16px rgba(13,45,110,.2);
}
.author-info {}
.author-info h4 { font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.author-title { font-size: 12px; font-weight: 700; color: var(--sky); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 10px; }
.author-bio { font-size: 14px; color: var(--muted); line-height: 1.75; margin-bottom: 14px; }
.author-stats { display: flex; gap: 20px; flex-wrap: wrap; }
.author-stat { font-size: 12px; color: var(--muted); }
.author-stat strong { color: var(--navy); font-weight: 700; font-size: 14px; display: block; }

/* ══════════════════════════════════
   5. RELATED POSTS
   ══════════════════════════════════ */
.related-section { padding: 72px 0; background: var(--pale); border-top: 1px solid var(--border); }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.related-card {
  background: white; border: 1.5px solid var(--border); border-radius: 18px;
  overflow: hidden; text-decoration: none; display: flex; flex-direction: column; transition: all .25s;
}
.related-card:hover { transform: translateY(-5px); box-shadow: 0 18px 44px rgba(13,45,110,.12); border-color: var(--sky); }
.related-thumb {
  aspect-ratio: 16/9; display: flex; align-items: center; justify-content: center;
  font-size: 52px; opacity: .8; position: relative;
  overflow: hidden; padding: 0;
}
.related-thumb img {
  width: 100%; height: 100%; object-fit: cover; display: block; opacity: 1;
}
.related-body { padding: 20px; flex: 1; display: flex; flex-direction: column; }
.related-cat { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .8px; color: var(--sky); margin-bottom: 8px; }
.related-body h4 { font-family: 'Playfair Display', serif; font-size: 17px; color: var(--navy); line-height: 1.3; margin-bottom: 10px; flex: 1; }
.related-body p { font-size: 13px; color: var(--muted); line-height: 1.7; margin-bottom: 14px; }
.related-footer { display: flex; align-items: center; justify-content: space-between; padding-top: 12px; border-top: 1px solid var(--pale); }
.related-date { font-size: 11px; color: var(--muted); }
.related-arrow { font-size: 12px; font-weight: 700; color: var(--blue); }

/* ══════════════════════════════════
   6. CTA BANNER
   ══════════════════════════════════ */
.cta-banner { background: linear-gradient(135deg, var(--navy), var(--blue)); border-radius: 22px; padding: 56px 60px; display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.cta-banner-wrap { padding: 0 48px 80px; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: 34px; color: white; margin-bottom: 10px; }
.cta-banner p { color: rgba(255,255,255,.75); font-size: 16px; }
.btn-white { background: white; color: var(--navy); padding: 15px 32px; border-radius: 10px; font-weight: 700; font-size: 15px; cursor: pointer; border: none; text-decoration: none; display: inline-flex; align-items: center; gap: 8px; transition: all .25s; white-space: nowrap; }
.btn-white:hover { transform: scale(1.03); box-shadow: 0 8px 24px rgba(0,0,0,.15); }

/* ── SIDEBAR ── */
.article-sidebar { display: flex; flex-direction: column; gap: 22px; position: sticky; top: 88px; }
.sidebar-card { background: white; border: 1.5px solid var(--border); border-radius: 16px; padding: 24px; }
.sidebar-card h3 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 16px; border-bottom: 1px solid var(--pale); padding-bottom: 12px; }
.toc-list { display: flex; flex-direction: column; gap: 4px; }
.toc-link { font-size: 13px; color: var(--muted); text-decoration: none; padding: 7px 10px; border-radius: 8px; transition: all .2s; display: flex; align-items: center; gap: 8px; }
.toc-link::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--border); flex-shrink: 0; transition: background .2s; }
.toc-link:hover { background: var(--pale); color: var(--blue); }
.toc-link:hover::before { background: var(--blue); }
.toc-link.active { background: var(--light-blue); color: var(--blue); font-weight: 600; }
.toc-link.active::before { background: var(--blue); }
.sidebar-cta { background: linear-gradient(135deg, var(--navy), var(--blue)); border-radius: 16px; padding: 24px; color: white; }
.sidebar-cta h3 { color: white; font-size: 16px; border-bottom-color: rgba(255,255,255,.15) !important; }
.sidebar-cta p { font-size: 13px; color: rgba(255,255,255,.75); margin-bottom: 16px; line-height: 1.7; }
.sidebar-cta a { display: block; background: white; color: var(--navy); text-align: center; padding: 13px; border-radius: 10px; font-weight: 700; text-decoration: none; font-size: 14px; transition: background .2s; }
.sidebar-cta a:hover { background: var(--light-blue); }
.sidebar-whatsapp { display: block; background: #25D366; color: white; text-align: center; padding: 10px; border-radius: 8px; font-weight: 700; text-decoration: none; margin-top: 10px; font-size: 13px; }
.quick-facts { display: flex; flex-direction: column; gap: 0; }
.fact-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid var(--pale); font-size: 13px; }
.fact-row:last-child { border-bottom: none; }
.fact-row span:first-child { color: var(--muted); }
.fact-row span:last-child { font-weight: 700; color: var(--navy); text-align: right; }

/* ── FOOTER ── */
footer { background: var(--navy); color: rgba(255,255,255,.75); }
.footer-main { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; padding: 60px 48px; max-width: 1280px; margin: 0 auto; }
.footer-brand p { font-size: 14px; line-height: 1.8; margin-bottom: 22px; }
.footer-contact-item { display: flex; align-items: center; gap: 8px; font-size: 14px; margin-bottom: 8px; }
.footer-contact-item a { color: rgba(255,255,255,.75); text-decoration: none; }
footer h4 { color: white; font-size: 14px; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: .8px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: rgba(255,255,255,.62); text-decoration: none; font-size: 14px; transition: color .2s; }
.footer-links a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 48px; display: flex; justify-content: space-between; align-items: center; font-size: 13px; max-width: 1280px; margin: 0 auto; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .article-hero { padding: 56px 24px 48px; }
  .article-hero h1 { font-size: 36px; }
  .article-layout { grid-template-columns: 1fr; padding: 40px 24px; gap: 36px; }
  .article-sidebar { position: static; }
  .related-grid { grid-template-columns: 1fr 1fr; }
  .cta-banner { flex-direction: column; align-items: flex-start; padding: 40px 36px; gap: 24px; }
  .cta-banner-wrap { padding: 0 24px 60px; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; padding: 48px 24px; }
  .footer-bottom { padding: 18px 24px; }
  .nav-main { padding: 12px 20px; }
  .nav-top { padding: 7px 24px; }
}
@media (max-width: 768px) {
  .nav-top { display: none; }
  .nav-main { padding: 12px 14px; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .article-hero { padding: 44px 18px 36px; }
  .article-hero h1 { font-size: 26px; }
  .article-layout { padding: 32px 18px; }
  .author-box { flex-direction: column; }
  .related-grid { grid-template-columns: 1fr; }
  .cta-banner { padding: 32px 24px; gap: 20px; }
  .cta-banner h2 { font-size: 24px; }
  .cta-banner-wrap { padding: 0 18px 56px; }
  .btn-white { width: 100%; justify-content: center; }
  .footer-main { grid-template-columns: 1fr; gap: 28px; padding: 40px 18px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; padding: 16px 18px; }
  .docs-grid { grid-template-columns: 1fr; }
  .share-buttons { gap: 8px; }
  .share-btn { padding: 8px 14px; font-size: 12px; }
  .related-section { padding: 48px 0; }
}
@keyframes fadeUp { from{opacity:0;transform:translateY(20px)} to{opacity:1;transform:translateY(0)} }
.animate { animation: fadeUp .5s ease forwards; opacity: 0; }
.delay-1 { animation-delay: .1s; }
.delay-2 { animation-delay: .22s; }


/* Custom additions for navbar loan links */
.nav-top {
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
}
.nav-top-left {
  display: flex;
  gap: 24px;
}
.nav-top-right {
  display: flex;
  gap: 24px;
}


/* ════════════════════════════════════════════════════════════
   RESPONSIVE FIXES FOR ALL DEVICES - COMPREHENSIVE UPDATE
   ════════════════════════════════════════════════════════════ */

/* Tablet and below - Fix navbar with loan links */
@media (max-width: 1024px) {
  .nav-top-left {
    gap: 16px;
  }
  .nav-top-right {
    gap: 16px;
  }
  .nav-top a, .nav-top span {
    font-size: 12px;
  }
}

/* Mobile - Stack navbar or hide completely */
@media (max-width: 768px) {
  .nav-top {
    display: none !important;
  }
  
  /* Ensure mobile menu works properly */
  .mobile-menu {
    max-width: 100%;
  }
  
  /* Fix hero section on mobile */
  .consultant-info {
    margin-top: 16px !important;
  }
  
  .consultant-info span {
    font-size: 13px !important;
    padding: 7px 14px !important;
  }
  
  /* Fix form elements on mobile */
  .form-group input,
  .form-group select,
  .form-group textarea {
    font-size: 16px; /* Prevents zoom on iOS */
  }
  
  /* Fix images to stay within viewport */
  img {
    max-width: 100%;
    height: auto;
  }
  
  /* Ensure cards don't overflow */
  .loan-card,
  .service-card,
  .why-item {
    max-width: 100%;
    overflow: hidden;
  }
  
  /* Fix tables on mobile */
  .rate-table {
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
  
  /* Fix sidebar cards on mobile */
  .sidebar-card {
    max-width: 100%;
  }
}

/* Small mobile devices */
@media (max-width: 480px) {
  /* Further reduce font sizes */
  .hero h1 {
    font-size: 26px !important;
    line-height: 1.15;
  }
  
  .section-title {
    font-size: 22px !important;
  }
  
  /* Single column for all grids */
  .loans-grid,
  .services-grid,
  .steps-grid,
  .hero-stats,
  .team-stats,
  .eligibility-grid,
  .docs-grid {
    grid-template-columns: 1fr !important;
  }
  
  /* Fix buttons on small screens */
  .btn-primary,
  .btn-outline,
  .btn-blue,
  .btn-white,
  .btn-apply {
    width: 100%;
    text-align: center;
    justify-content: center;
  }
  
  /* Fix CTA banner */
  .cta-banner {
    padding: 28px 20px !important;
  }
  
  .cta-banner h2 {
    font-size: 20px !important;
  }
  
  .cta-banner p {
    font-size: 14px !important;
  }
  
  /* Fix footer on small screens */
  .footer-main {
    grid-template-columns: 1fr !important;
  }
  
  /* Fix contact form */
  .form-row {
    grid-template-columns: 1fr !important;
  }
  
  /* Fix detail pages */
  .detail-hero h1 {
    font-size: 22px !important;
  }
  
  .detail-emoji {
    font-size: 36px !important;
  }
  
  /* Fix why section visual */
  .why-visual-card {
    grid-template-columns: 1fr 1fr !important;
    padding: 18px !important;
  }
  
  .why-mini-stat .n {
    font-size: 22px !important;
  }
  
  /* Fix bank pills */
  .bank-pill {
    font-size: 12px !important;
    padding: 7px 14px !important;
  }
  
  /* Fix step items */
  .step-num {
    width: 56px !important;
    height: 56px !important;
    font-size: 22px !important;
  }
  
  .step-item h4 {
    font-size: 14px !important;
  }
  
  .step-item p {
    font-size: 12px !important;
  }
}

/* Extra small devices (≤ 360px) */
@media (max-width: 360px) {
  .hero h1 {
    font-size: 24px !important;
  }
  
  .section-title {
    font-size: 20px !important;
  }
  
  .container {
    padding: 0 14px !important;
  }
  
  .loan-card,
  .service-card {
    padding: 14px !important;
  }
  
  .cta-banner {
    padding: 24px 16px !important;
  }
  
  .hero-inner {
    padding: 48px 14px 40px !important;
  }
}

/* Landscape mobile fixes */
@media (max-width: 768px) and (orientation: landscape) {
  .hero {
    min-height: auto !important;
  }
  
  .hero-inner {
    padding: 40px 18px !important;
  }
  
  .hero h1 {
    font-size: 30px !important;
  }
}

/* Ensure no horizontal scroll on any device */
body {
  overflow-x: hidden;
}

* {
  max-width: 100%;
}

/* Fix for very wide screens */
@media (min-width: 1600px) {
  .container {
    max-width: 1400px;
  }
  
  .hero-inner {
    max-width: 1400px;
  }
}


/* ════════════════════════════════════════════════════════════
   ADDITIONAL RESPONSIVE FIXES FOR SPECIFIC ELEMENTS
   ════════════════════════════════════════════════════════════ */

/* Fix dropdown menus on tablets */
@media (max-width: 1024px) {
  .dropdown-menu {
    min-width: 240px;
    grid-template-columns: 1fr;
  }
}

/* Fix hero badges and trust chips on mobile */
@media (max-width: 768px) {
  .hero-badge {
    font-size: 12px;
    padding: 6px 14px;
  }
  
  .trust-chip {
    font-size: 11px;
    padding: 5px 12px;
  }
  
  .hero-trust {
    display: flex !important;
    flex-wrap: wrap;
    gap: 8px;
  }
}

/* Fix detail badges on mobile */
@media (max-width: 768px) {
  .detail-badge {
    font-size: 11px;
    padding: 5px 12px;
  }
  
  .rate-badge {
    font-size: 14px;
    padding: 7px 16px;
  }
}

/* Fix info boxes on mobile */
@media (max-width: 768px) {
  .info-box,
  .highlight-box {
    padding: 18px;
    margin: 18px 0;
  }
  
  .info-box h4,
  .highlight-box h4 {
    font-size: 14px;
  }
  
  .info-box p,
  .highlight-box p {
    font-size: 13px;
  }
}

/* Fix FAQ items on mobile */
@media (max-width: 768px) {
  .faq-q {
    padding: 14px 16px;
    font-size: 13px;
  }
  
  .faq-a {
    padding: 0 16px 14px;
    font-size: 13px;
  }
}

/* Fix contact details on mobile */
@media (max-width: 768px) {
  .contact-detail {
    gap: 12px;
  }
  
  .contact-detail-icon {
    width: 40px;
    height: 40px;
    min-width: 40px;
    font-size: 18px;
  }
  
  .contact-detail h4 {
    font-size: 12px;
  }
  
  .contact-detail p {
    font-size: 13px;
  }
}

/* Fix promise box on mobile */
@media (max-width: 768px) {
  .promise-box {
    padding: 16px;
    margin-top: 24px;
  }
  
  .promise-box h4 {
    font-size: 14px;
  }
  
  .promise-box p {
    font-size: 13px;
  }
}

/* Fix ticker on mobile */
@media (max-width: 768px) {
  .ticker-wrap {
    padding: 11px 0;
  }
  
  .ticker-track span {
    font-size: 12px;
  }
  
  .ticker-track {
    gap: 30px;
  }
}

/* Fix logo on mobile */
@media (max-width: 768px) {
  .logo-area img {
    height: 48px !important;
    max-width: 180px !important;
  }
}

/* Fix about page stats on mobile */
@media (max-width: 480px) {
  .team-stat .num {
    font-size: 28px !important;
  }
  
  .team-stat .lbl {
    font-size: 12px !important;
  }
}

/* Fix blog cards on mobile */
@media (max-width: 768px) {
  .cat-cards {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  
  .cat-card {
    padding: 20px;
  }
}

/* Fix article content on mobile */
@media (max-width: 768px) {
  .article-content h2 {
    font-size: 22px;
  }
  
  .article-content h3 {
    font-size: 18px;
  }
  
  .article-content p,
  .article-content ul li {
    font-size: 15px;
    line-height: 1.7;
  }
}

/* Prevent text overflow */
@media (max-width: 768px) {
  h1, h2, h3, h4, h5, h6, p, span, a, li {
    word-wrap: break-word;
    overflow-wrap: break-word;
    hyphens: auto;
  }
}

/* Fix sidebar on tablets */
@media (max-width: 1024px) {
  .detail-sidebar {
    position: static !important;
    top: auto !important;
  }
}

/* Fix navigation on very small screens */
@media (max-width: 360px) {
  .nav-main {
    padding: 10px 12px !important;
  }
  
  .logo-area img {
    height: 42px !important;
    max-width: 160px !important;
  }
  
  .hamburger {
    padding: 6px !important;
  }
  
  .hamburger span {
    width: 20px !important;
  }
}

/* Fix form elements to prevent zoom on iOS */
input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select,
textarea {
  font-size: 16px !important;
}

@media (max-width: 768px) {
  input[type="text"],
  input[type="email"],
  input[type="tel"],
  input[type="number"],
  select,
  textarea {
    font-size: 16px !important;
  }
}

/* Ensure proper spacing on all devices */
@media (max-width: 768px) {
  .section-pad {
    padding: 48px 0 !important;
  }
  
  .section-pad-sm {
    padding: 36px 0 !important;
  }
}

@media (max-width: 480px) {
  .section-pad {
    padding: 40px 0 !important;
  }
  
  .section-pad-sm {
    padding: 32px 0 !important;
  }
}

/* Fix overflow issues */
.nav-main,
.nav-top,
.hero,
.container,
section,
footer {
  overflow-x: hidden;
}

/* Smooth scrolling for all devices */
html {
  scroll-behavior: smooth;
  -webkit-overflow-scrolling: touch;
}

/* Fix touch targets for mobile (minimum 44x44px) */
@media (max-width: 768px) {
  a, button, .hamburger, .faq-q {
    min-height: 44px;
    min-width: 44px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }
  
  .nav-links a,
  .mobile-menu a,
  .mobile-menu button {
    min-height: 48px;
  }
}


/* ════════════════════════════════════════════════════════════
   CUSTOM ENHANCEMENTS - LOAN TITLES & CONSULTANT HIGHLIGHT
   ════════════════════════════════════════════════════════════ */

/* Make loan card titles bigger and more prominent */
.loan-card h3 {
  font-size: 17px !important;
  font-weight: 800 !important;
  color: var(--navy) !important;
  margin-bottom: 6px !important;
  letter-spacing: 0.3px;
  text-transform: uppercase;
}

/* Add subtle highlight effect to loan cards */
.loan-card:hover h3 {
  color: var(--blue) !important;
  transform: scale(1.02);
  transition: all 0.3s ease;
}

/* Pulse glow animation for consultant info */
@keyframes pulse-glow {
  0%, 100% {
    box-shadow: 0 4px 15px rgba(255,215,0,.3);
    transform: scale(1);
  }
  50% {
    box-shadow: 0 6px 25px rgba(255,215,0,.5);
    transform: scale(1.02);
  }
}

/* Responsive adjustments for loan titles */
@media (max-width: 768px) {
  .loan-card h3 {
    font-size: 15px !important;
  }
}

@media (max-width: 480px) {
  .loan-card h3 {
    font-size: 14px !important;
  }
  
  .consultant-info span {
    font-size: 13px !important;
    padding: 8px 16px !important;
  }
}


/* ════════════════════════════════════════════════════════════
   FIX DROPDOWN MENUS - ENSURE VISIBILITY
   ════════════════════════════════════════════════════════════ */

/* Increase z-index for dropdown menus to ensure they appear above all content */
.dropdown {
  position: relative !important;
  z-index: 1001 !important;
}

.dropdown-menu {
  display: none !important;
  position: absolute !important;
  top: calc(100% + 10px) !important;
  left: 0 !important;
  background: #ffffff !important;
  background-color: #ffffff !important;
  border: 1px solid var(--border) !important;
  border-radius: 18px !important;
  box-shadow: 0 20px 50px rgba(13,45,110,.25) !important;
  min-width: 360px !important;
  padding: 16px !important;
  grid-template-columns: 1fr 1fr !important;
  gap: 6px !important;
  z-index: 10000 !important;
  opacity: 1 !important;
  visibility: visible !important;
  pointer-events: auto !important;
  backdrop-filter: none !important;
}

.dropdown-menu.open {
  display: grid !important;
  background: #ffffff !important;
  background-color: #ffffff !important;
}

.dropdown-menu a {
  display: flex !important;
  align-items: center !important;
  gap: 10px !important;
  font-size: 14px !important;
  padding: 14px 16px !important;
  border-radius: 12px !important;
  white-space: nowrap !important;
  text-decoration: none !important;
  color: var(--text) !important;
  background: #ffffff !important;
  background-color: #ffffff !important;
}

.dropdown-menu a:hover {
  background: var(--pale) !important;
  background-color: var(--pale) !important;
  color: var(--blue) !important;
}

/* Ensure nav has proper z-index */
nav {
  position: sticky !important;
  top: 0 !important;
  z-index: 1000 !important;
  background: var(--white) !important;
  border-bottom: 1px solid var(--border) !important;
  box-shadow: 0 2px 16px rgba(13,45,110,.07) !important;
  overflow: visible !important;
}

.nav-main {
  position: relative !important;
  z-index: 1001 !important;
  overflow: visible !important;
}

.nav-links {
  position: relative !important;
  z-index: 1001 !important;
  overflow: visible !important;
}

/* Ensure dropdown button is clickable */
.dropdown > button {
  cursor: pointer !important;
  position: relative !important;
  z-index: 1001 !important;
}

/* Fix for services dropdown (single column) */
.dropdown-menu[style*="grid-template-columns:1fr"] {
  grid-template-columns: 1fr !important;
}

/* Responsive dropdown fixes */
@media (max-width: 1024px) {
  .dropdown-menu {
    min-width: 240px !important;
    grid-template-columns: 1fr !important;
  }
}

@media (max-width: 768px) {
  .dropdown {
    display: none !important;
  }
}


/* ════════════════════════════════════════════════════════════
   ADDITIONAL DROPDOWN BACKGROUND FIX
   ════════════════════════════════════════════════════════════ */

/* Force solid white background with multiple methods */
.dropdown-menu,
.dropdown-menu.open {
  background: #fff !important;
  background-color: #fff !important;
  background-image: none !important;
  -webkit-backdrop-filter: none !important;
  backdrop-filter: none !important;
  isolation: isolate !important;
}

/* Ensure the dropdown container itself has proper background */
.dropdown-menu::before {
  content: '' !important;
  position: absolute !important;
  top: -4px !important;
  left: -4px !important;
  right: -4px !important;
  bottom: -4px !important;
  background: #ffffff !important;
  border-radius: 18px !important;
  z-index: -1 !important;
}

/* Force white background on all child elements */
.dropdown-menu * {
  background-image: none !important;
}

/* Ensure links have proper background */
.dropdown-menu a {
  background: #fff !important;
  background-color: #fff !important;
  background-image: none !important;
}

.dropdown-menu a:hover {
  background: #eef5fd !important;
  background-color: #eef5fd !important;
  background-image: none !important;
}

/* Remove any inherited backgrounds */
.nav-links .dropdown-menu {
  background: #ffffff !important;
  background-color: #ffffff !important;
}

/* Ensure proper layering */
.dropdown-menu {
  transform: translateZ(0) !important;
  will-change: transform !important;
}