@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Poppins:wght@300;400;500;600;700;800;900&display=swap');

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

:root {
    --primary-blue: #0E406A;
    --navy-blue: #0B2A4A;
    --dark-navy: #072238;
    --light-blue: #F4F7FB;
    --dark-text: #0B2A4A;
    --gray-text: #21415E;
    --light-gray: #F4F9FC;
    --medium-gray: #E2E8F0;
    --white: #ffffff;
    --accent-yellow: #FFD200;
    --accent-yellow-hover: #e6bd00;
    --border-radius: 9999px;
    --card-radius: 12px;
    --shadow: 0 2px 15px -3px rgba(0, 0, 0, 0.05), 0 10px 20px -2px rgba(0, 0, 0, 0.03);
    --shadow-hover: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
    --transition: all 0.15s ease;
    --max-width: 1280px;
}

body {
    font-family: 'Poppins', sans-serif;
    color: var(--dark-text);
    line-height: 1.6;
    overflow-x: hidden;
    background-color: var(--white);
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

ul {
    list-style: none;
}

img {
    max-width: 100%;
    height: auto;
}

.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 20px;
}

/* Buttons - AA Pill Style */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 32px;
    border-radius: var(--border-radius);
    font-weight: 600;
    font-size: 15px;
    cursor: pointer;
    transition: var(--transition);
    border: none;
    text-align: center;
}

.btn-primary {
    background: var(--primary-blue);
    color: var(--white);
}

.btn-primary:hover {
    background: var(--dark-navy);
}

.btn-secondary {
    background: var(--white);
    color: var(--primary-blue);
    border: 2px solid var(--primary-blue);
}

.btn-secondary:hover {
    background: var(--light-gray);
}

.btn-yellow {
    background: var(--accent-yellow);
    color: var(--primary-blue);
    font-weight: 700;
    box-shadow: 0 1px 2px 0 rgb(0 0 0 / 0.05);
}

.btn-yellow:hover {
    background: var(--accent-yellow-hover);
}

.btn-dark {
    background: var(--navy-blue);
    color: var(--white);
}

.btn-dark:hover {
    background: var(--dark-navy);
}

.btn-large {
    padding: 16px 48px;
    font-size: 16px;
}

.btn-full {
    width: 100%;
}

/* Header */
.header {
    background: var(--white);
    border-bottom: 1px solid var(--medium-gray);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0;
    height: 64px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

.logo-icon {
    width: auto;
    height: 24px;
}

.logo-text {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--navy-blue);
}

.logo-img {
    width: 188px;
    height: auto;
}

.logo-img-mobile {
    width: 121px;
    height: auto;
}

.logo2 img {
    width: 188px;
    height: auto;
}

.nav-links {
    display: flex;
    gap: 28px;
    height: 100%;
    align-items: center;
}

.nav-links a {
    font-weight: 400;
    color: var(--navy-blue);
    font-size: 15px;
    height: 100%;
    display: flex;
    align-items: center;
    padding-top: 1px;
    border-bottom: 4px solid transparent;
    transition: var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
    border-bottom-color: var(--navy-blue);
}

.nav-links a::after {
    display: none;
}

.btn-header {
    padding: 8px 24px;
    background: var(--accent-yellow);
    color: var(--primary-blue);
    border-radius: var(--border-radius);
    font-weight: 700;
    font-size: 14px;
}

.btn-header:hover,
.btn-header.active-btn {
    background: var(--accent-yellow-hover);
}

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 5px;
}

.mobile-menu-btn span {
    width: 25px;
    height: 3px;
    background: var(--primary-blue);
    transition: var(--transition);
}

.mobile-menu-btn.active span:nth-child(1) {
    transform: rotate(45deg) translate(6px, 6px);
}

.mobile-menu-btn.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-btn.active span:nth-child(3) {
    transform: rotate(-45deg) translate(6px, -6px);
}

/* Nav right side */
.nav-right {
    display: flex;
    align-items: center;
    gap: 12px;
}

.nav-lang-switch {
    display: flex;
    align-items: center;
    gap: 4px;
    color: var(--primary-blue);
    font-size: 15px;
    font-weight: 400;
    cursor: pointer;
    white-space: nowrap;
    background: none;
    border: none;
}

.nav-lang-switch:hover {
    text-decoration: underline;
}

.nav-lang-switch svg {
    width: 15px;
    height: 15px;
}

/* Hero */
.hero {
    background: var(--accent-yellow);
    overflow: hidden;
}

.hero .container {
    padding: 0 20px;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
    min-height: 600px;
}

.hero-content {
    padding: 40px 0;
}

.hero-content .hero-subtitle {
    font-size: 30px;
    font-weight: 700;
    color: var(--navy-blue);
    margin-bottom: 4px;
}

.hero-content h1 {
    font-size: 48px;
    font-weight: 900;
    color: var(--navy-blue);
    line-height: 1.1;
    letter-spacing: -0.025em;
    margin-bottom: 32px;
}

.hero-features {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 40px;
}

.hero-features li {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 20px;
    font-weight: 500;
    color: var(--navy-blue);
}

.hero-features li .dot {
    width: 5px;
    height: 5px;
    background: var(--navy-blue);
    border-radius: 50%;
    flex-shrink: 0;
}

.hero-buttons {
    display: flex;
    flex-direction: column;
    gap: 16px;
    align-items: flex-start;
}

.hero-image {
    display: flex;
    align-items: flex-end;
    justify-content: center;
}

.hero-image img {
    max-height: 550px;
    object-fit: contain;
}

/* Trust Bar */
.trust-bar {
    background: #EAF5FA;
    border-bottom: 1px solid var(--medium-gray);
    padding: 16px 0;
}

.trust-bar .container {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 24px;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 15px;
    font-weight: 500;
    color: var(--navy-blue);
}

.trust-item img {
    height: 22px;
    object-fit: contain;
}

/* Section Headers */
.section-header {
    text-align: center;
    margin-bottom: 50px;
}

.section-header h2 {
    font-size: 36px;
    font-weight: 700;
    margin-bottom: 15px;
    color: var(--navy-blue);
    letter-spacing: -0.025em;
}

.section-header p {
    font-size: 17px;
    color: var(--gray-text);
    max-width: 600px;
    margin: 0 auto;
}

/* How It Works / Steps */
.steps-section {
    padding: 80px 0;
    background: var(--white);
}

.steps-row {
    display: flex;
    justify-content: center;
    align-items: flex-start;
    gap: 32px;
    margin-bottom: 40px;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
}

.step-item {
    flex: 1;
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.step-circle {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    border: 2px solid #BAE0F5;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transform: rotate(-6deg);
}

.step-circle span {
    font-size: 22px;
    font-weight: 900;
    font-style: italic;
    color: var(--navy-blue);
    transform: rotate(6deg);
}

.step-text {
    font-size: 17px;
    font-weight: 700;
    color: var(--navy-blue);
    padding-top: 12px;
    line-height: 1.4;
}

.cta-center {
    text-align: center;
}

/* Values Section */
.values-section {
    padding: 80px 0;
    background: #F4F9FC;
}

.values-section h2 {
    font-size: 40px;
    font-weight: 700;
    color: var(--navy-blue);
    text-align: center;
    margin-bottom: 16px;
    letter-spacing: -0.025em;
}

.values-section .values-subtitle {
    text-align: center;
    font-size: 17px;
    color: var(--gray-text);
    max-width: 600px;
    margin: 0 auto 50px;
    line-height: 1.7;
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    max-width: 900px;
    margin: 0 auto 40px;
}

.value-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
}

.value-icon {
    width: 96px;
    height: 96px;
    background: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    box-shadow: 0 1px 2px 0 rgb(0 0 0 / 0.05);
}

.value-icon img {
    width: 44px;
    height: 44px;
}

.value-card h3 {
    font-size: 17px;
    font-weight: 700;
    color: var(--navy-blue);
    margin-bottom: 10px;
}

.value-card p {
    font-size: 14px;
    color: var(--gray-text);
    max-width: 245px;
    line-height: 1.65;
}

/* Testimonials */
.testimonials-section {
    padding: 80px 0;
    background: var(--white);
}

.trust-badges-row {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 20px;
    margin-bottom: 40px;
}

.trust-badges-row img {
    height: 110px;
    object-fit: contain;
}

.reviews-row {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 40px;
    margin-bottom: 40px;
    font-size: 15px;
}

.review-stat {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--navy-blue);
    font-weight: 500;
}

.review-stat img {
    height: 22px;
    object-fit: contain;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    max-width: 1000px;
    margin: 0 auto;
}

.testimonial-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
    padding: 20px;
}

.testimonial-card p {
    font-size: 15px;
    color: var(--navy-blue);
    text-align: center;
    max-width: 280px;
}

.testimonial-card .author {
    font-size: 14px;
    color: var(--navy-blue);
}

.testimonial-card .stars-img {
    height: 20px;
    object-fit: contain;
}

/* Loan Products Section */
.loan-products-section {
    padding: 80px 0;
    background: #F4F9FC;
}

.loan-products-section h2 {
    font-size: 36px;
    color: var(--navy-blue);
    text-align: center;
    margin-bottom: 16px;
    font-family: 'Inter', sans-serif;
    font-weight: 700;
}

.loan-products-section .products-subtitle {
    text-align: center;
    font-size: 17px;
    color: var(--gray-text);
    margin-bottom: 50px;
    font-family: 'Inter', sans-serif;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 1080px;
    margin: 0 auto;
}

.product-card {
    background: var(--white);
    padding: 28px;
    border-radius: 12px;
    border: 1px solid var(--medium-gray);
    box-shadow: var(--shadow);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    align-items: flex-start;
}

.product-card:hover {
    box-shadow: var(--shadow-hover);
    transform: translateY(-2px);
}

.product-card .product-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 12px;
}

.product-card .product-header img {
    width: 28px;
    height: 28px;
    object-fit: contain;
}

.product-card h3 {
    font-size: 19px;
    font-weight: 700;
    color: var(--navy-blue);
    text-decoration: underline;
    text-decoration-thickness: 2px;
    text-underline-offset: 5px;
    font-family: 'Inter', sans-serif;
}

.product-card p {
    font-size: 15.5px;
    color: var(--gray-text);
    line-height: 1.65;
    font-family: 'Inter', sans-serif;
}

/* FAQ Section */
.faq-section {
    padding: 80px 0;
    background: var(--white);
}

.faq-section h2 {
    font-size: 40px;
    font-weight: 700;
    color: var(--primary-blue);
    text-align: center;
    margin-bottom: 48px;
}

.faq-list {
    max-width: 768px;
    margin: 0 auto;
}

.faq-item {
    border-bottom: 1px solid var(--medium-gray);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 24px 0;
    font-size: 18px;
    font-weight: 700;
    color: var(--primary-blue);
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
}

.faq-question svg {
    width: 24px;
    height: 24px;
    transition: transform 0.2s;
    flex-shrink: 0;
}

.faq-question.active svg {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-answer.active {
    max-height: 500px;
}

.faq-answer p {
    padding: 0 0 24px;
    color: var(--gray-text);
    font-size: 15px;
    line-height: 1.7;
}

/* Newsletter Section */
.newsletter-section {
    padding: 80px 0;
    background: var(--white);
    border-top: 1px solid var(--medium-gray);
}

.newsletter-section h2 {
    font-size: 40px;
    font-weight: 700;
    color: var(--primary-blue);
    text-align: center;
    margin-bottom: 16px;
}

.newsletter-section .newsletter-subtitle {
    text-align: center;
    font-size: 17px;
    color: var(--primary-blue);
    margin-bottom: 48px;
}

.newsletter-form {
    max-width: 500px;
    margin: 0 auto;
}

.newsletter-form .form-group {
    margin-bottom: 16px;
}

.newsletter-form label {
    display: block;
    font-weight: 700;
    color: var(--primary-blue);
    font-size: 15px;
    margin-bottom: 8px;
}

.newsletter-form label .required {
    color: #dc2626;
}

.newsletter-form input,
.newsletter-form select {
    width: 100%;
    height: 48px;
    padding: 8px 16px;
    border: 1px solid #d1d5db;
    border-radius: 8px;
    font-size: 15px;
    font-family: inherit;
    background: var(--white);
    box-shadow: 0 1px 2px 0 rgb(0 0 0 / 0.05);
}

.newsletter-form input:focus,
.newsletter-form select:focus {
    outline: none;
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 2px rgba(14, 64, 106, 0.2);
}

/* Calculator Section */
.calculator-section {
    padding: 80px 0;
    background: var(--light-gray);
}

.calculator-wrapper {
    display: flex;
    gap: 50px;
    align-items: center;
}

.calculator-visual {
    flex: 1;
}

.calculator-visual img {
    border-radius: 16px;
    max-width: 100%;
}

.calculator-form-box {
    flex: 1;
    background: var(--white);
    padding: 40px;
    border-radius: 16px;
    box-shadow: var(--shadow);
}

.calculator-form-box h2 {
    font-size: 28px;
    color: var(--navy-blue);
    margin-bottom: 10px;
}

.calculator-form-box > p {
    color: var(--gray-text);
    margin-bottom: 30px;
}

.loan-form .form-group {
    margin-bottom: 20px;
}

.loan-form label {
    display: block;
    font-weight: 600;
    color: var(--dark-text);
    margin-bottom: 8px;
    font-size: 15px;
}

.input-wrapper {
    display: flex;
    align-items: center;
    border: 2px solid var(--medium-gray);
    border-radius: 8px;
    overflow: hidden;
}

.input-wrapper .currency {
    padding: 12px 15px;
    background: var(--light-gray);
    color: var(--gray-text);
    font-weight: 600;
}

.input-wrapper input {
    flex: 1;
    border: none;
    padding: 12px 15px;
    font-size: 17px;
    outline: none;
}

.loan-form select {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid var(--medium-gray);
    border-radius: 8px;
    font-size: 16px;
    font-family: inherit;
    background: var(--white);
}

.form-row {
    display: flex;
    gap: 15px;
}

.form-row .form-group {
    flex: 1;
}

.loan-form input[type="range"] {
    width: 100%;
    margin-top: 10px;
    height: 6px;
    -webkit-appearance: none;
    background: var(--medium-gray);
    border-radius: 3px;
}

.loan-form input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px;
    height: 18px;
    background: var(--primary-blue);
    border-radius: 50%;
    cursor: pointer;
}

.calc-result {
    background: #F4F7FB;
    padding: 20px;
    border-radius: 12px;
    margin: 25px 0;
}

.result-item {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
}

.result-item.highlight {
    border-top: 1px solid var(--medium-gray);
    padding-top: 15px;
    margin-top: 5px;
}

.result-label {
    color: var(--gray-text);
}

.result-value {
    font-weight: 700;
    color: var(--navy-blue);
    font-size: 17px;
}

.calc-note {
    text-align: center;
    font-size: 14px;
    color: var(--gray-text);
    margin-top: 15px;
}

/* App Section */
.app-section {
    padding: 80px 0;
    background: var(--white);
}

.app-wrapper {
    display: flex;
    align-items: center;
    gap: 60px;
}

.app-content {
    flex: 1;
}

.app-content h2 {
    font-size: 35px;
    color: var(--navy-blue);
    margin-bottom: 15px;
}

.app-content > p {
    color: var(--gray-text);
    margin-bottom: 30px;
}

.app-buttons {
    display: flex;
    gap: 15px;
    margin-bottom: 30px;
}

.app-btn img {
    height: 50px;
    border-radius: 8px;
}

.app-features {
    display: flex;
    flex-direction: column;
    gap: 15px;
}

.app-feature {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--dark-text);
}

.app-feature svg {
    width: 24px;
    height: 24px;
}

.app-image {
    flex: 1;
}

.app-image img {
    border-radius: 16px;
    max-width: 100%;
}

/* Services Grid */
.services-section {
    padding: 80px 0;
    background: var(--light-gray);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.service-card {
    background: var(--white);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

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

.service-icon {
    height: 180px;
    overflow: hidden;
}

.service-icon img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.service-card h3 {
    padding: 20px 20px 10px;
    font-size: 19px;
    color: var(--navy-blue);
}

.service-card p {
    padding: 0 20px 20px;
    color: var(--gray-text);
    font-size: 15px;
}

.service-card .btn {
    margin: 0 20px 20px;
}

/* Personal Loan Options */
.personal-loan-section {
    padding: 80px 0;
    background: var(--white);
}

.personal-loan-wrapper {
    display: flex;
    gap: 60px;
}

.personal-loan-content {
    flex: 1.2;
}

.loan-nav-tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 30px;
}

.loan-tab {
    padding: 12px 20px;
    background: var(--light-gray);
    border: 2px solid transparent;
    border-radius: var(--border-radius);
    cursor: pointer;
    font-weight: 500;
    transition: var(--transition);
}

.loan-tab:hover,
.loan-tab.active {
    background: var(--white);
    border-color: var(--primary-blue);
    color: var(--primary-blue);
}

.loan-details h3 {
    font-size: 28px;
    color: var(--navy-blue);
    margin-bottom: 5px;
}

.loan-subtitle {
    color: var(--gray-text);
    margin-bottom: 30px;
}

.loan-features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-bottom: 30px;
}

.loan-feature {
    text-align: center;
    padding: 20px;
    background: #F4F7FB;
    border-radius: 12px;
}

.loan-feature img {
    width: 40px;
    height: 40px;
    margin-bottom: 10px;
}

.loan-feature strong {
    display: block;
    color: var(--navy-blue);
    font-size: 17px;
}

.loan-feature span {
    font-size: 14px;
    color: var(--gray-text);
}

.loan-benefits {
    margin-bottom: 30px;
}

.loan-benefits li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 0;
    border-bottom: 1px solid var(--medium-gray);
}

.loan-benefits li:last-child {
    border-bottom: none;
}

.loan-benefits img {
    width: 20px;
    height: 20px;
}

.loan-requirements {
    margin-bottom: 30px;
}

.loan-requirements h4 {
    font-size: 17px;
    color: var(--navy-blue);
    margin-bottom: 15px;
}

.loan-requirements ul {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
}

.loan-requirements li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 15px;
}

.loan-requirements img {
    width: 18px;
    height: 18px;
}

.personal-loan-image {
    flex: 0.8;
    display: flex;
    align-items: center;
}

.personal-loan-image img {
    max-width: 100%;
}

/* Why Choose Us */
.why-choose-section {
    padding: 80px 0;
    background: #F4F7FB;
}

.why-choose-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.why-card {
    background: var(--white);
    padding: 30px;
    border-radius: 16px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

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

.why-icon {
    margin-bottom: 20px;
}

.why-icon img {
    width: 60px;
    height: 60px;
}

.why-card h3 {
    font-size: 19px;
    color: var(--navy-blue);
    margin-bottom: 10px;
}

.why-card p {
    color: var(--gray-text);
    font-size: 15px;
}

/* How It Works */
.how-it-works-section {
    padding: 80px 0;
    background: var(--white);
}

.steps-container {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    margin-bottom: 50px;
}

.step {
    flex: 1;
    text-align: center;
}

.step-number {
    font-size: 32px;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: 15px;
}

.step-content {
    background: var(--light-gray);
    padding: 30px 20px;
    border-radius: 16px;
}

.step-icon {
    margin-bottom: 15px;
}

.step-icon img {
    width: 50px;
    height: 50px;
}

.step h3 {
    font-size: 17px;
    color: var(--navy-blue);
    margin-bottom: 10px;
}

.step p {
    color: var(--gray-text);
    font-size: 14px;
}

.step-arrow {
    flex: 0 0 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    padding-top: 80px;
}

.step-arrow img {
    width: 30px;
}

.testimonials-footer {
    text-align: center;
}

.trust-badges {
    display: flex;
    justify-content: center;
    gap: 40px;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 15px 30px;
    background: var(--white);
    border-radius: 16px;
    box-shadow: var(--shadow);
}

.trust-badge img {
    width: 50px;
    height: 50px;
    border-radius: 50%;
}

.trust-badge .rating {
    display: block;
    font-weight: 700;
    color: var(--navy-blue);
}

.trust-badge > div > span:last-child {
    font-size: 14px;
    color: var(--gray-text);
}

/* Page Hero */
.page-hero {
    background: var(--primary-blue);
    color: var(--white);
    padding: 60px 0;
    text-align: center;
}

.page-hero h1 {
    font-size: 40px;
    font-weight: 700;
    margin-bottom: 10px;
}

.page-hero p {
    font-size: 19px;
    opacity: 0.9;
}

.breadcrumb {
    margin-bottom: 15px;
    font-size: 14px;
    opacity: 0.8;
}

/* Footer */
.footer {
    background: var(--dark-navy);
    color: var(--white);
}

.footer-main {
    padding: 80px 0 40px;
}

.footer-content {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
}

.footer-brand {
    display: flex;
    flex-direction: column;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 24px;
}

.footer-logo .logo-img {
    width: 188px;
    height: auto;
    filter: brightness(0) invert(1);
}

.footer-logo .logo-text {
    color: var(--white);
    font-size: 24px;
    font-weight: 700;
}

.footer-brand p {
    color: rgba(219, 234, 254, 0.8);
    font-size: 16px;
    margin-bottom: 32px;
    max-width: 448px;
    line-height: 1.6;
}

.footer-contact {
    margin-top: 20px;
}

.footer-contact p {
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 10px;
    font-size: 15px;
}

.footer-social {
    display: flex;
    gap: 10px;
    margin-top: 20px;
}

.footer-social a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.footer-social a:hover {
    background: var(--primary-blue);
}

.footer-social svg {
    width: 18px;
    height: 18px;
    color: var(--white);
}

.footer-links h4 {
    color: var(--accent-yellow);
    font-size: 14px;
    margin-bottom: 24px;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-weight: 700;
}

.footer-links ul li {
    margin-bottom: 12px;
}

.footer-links ul li a {
    color: rgba(219, 234, 254, 0.7);
    font-size: 14px;
}

.footer-links ul li a:hover {
    color: var(--white);
}

.footer-bottom {
    text-align: center;
    padding-top: 30px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-badges {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-bottom: 20px;
}

.footer-badges .badge {
    padding: 8px 15px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 20px;
    font-size: 14px;
}

.footer-bottom p {
    color: rgba(255, 255, 255, 0.6);
    font-size: 14px;
}

.footer-bottom-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.2);
    margin-bottom: 32px;
}

.footer-social-icons {
    display: flex;
    gap: 24px;
}

.footer-social-icons img {
    width: 18px;
    height: 18px;
    opacity: 0.95;
}

.footer-social-icons img:hover {
    opacity: 1;
}

.footer-legal-links {
    display: flex;
    gap: 16px;
    font-size: 14.5px;
}

.footer-legal-links a:hover {
    text-decoration: underline;
    text-underline-offset: 3px;
}

.footer-separator {
    color: rgba(255, 255, 255, 0.6);
}

.footer-badge-row {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 16px 0;
}

.footer-badge-row .badges {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 20px;
}

.footer-badge-row .badges img {
    height: 65px;
    width: auto;
}

.footer-copyright {
    font-size: 14px;
    font-weight: 700;
    margin: 40px 0 24px;
}

.footer-disclaimer-text {
    font-size: 12.5px;
    line-height: 1.6;
    color: rgba(255, 255, 255, 0.9);
    max-width: 95%;
}

.footer-disclaimer-text p {
    margin-bottom: 24px;
}

/* Disclosures */
.disclosures-section {
    padding: 40px 0;
    background: var(--white);
    border-top: 1px solid var(--medium-gray);
}

.disclosure-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: 100%;
    background: none;
    border: none;
    font-size: 16px;
    font-weight: 600;
    color: var(--navy-blue);
    cursor: pointer;
    padding: 15px;
}

.disclosure-toggle svg {
    width: 20px;
    height: 20px;
    transition: transform 0.3s;
}

.disclosure-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s;
}

.disclosure-content.active {
    max-height: 1000px;
}

.disclosure-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    padding: 30px;
    background: var(--light-gray);
    border-radius: 16px;
}

.disclosure-item h4 {
    font-size: 16px;
    color: var(--navy-blue);
    margin-bottom: 10px;
}

.disclosure-item p {
    color: var(--gray-text);
    font-size: 14px;
    line-height: 1.6;
}

/* Apply Form Styles (for apply.html) */
.apply-section {
    padding: 60px 0;
    background: #F4F7FB;
}

.apply-container {
    max-width: 768px;
    margin: 0 auto;
}

.apply-back-link {
    display: inline-flex;
    align-items: center;
    color: var(--primary-blue);
    font-weight: 700;
    margin-bottom: 24px;
}

.apply-back-link:hover {
    text-decoration: underline;
}

.apply-title {
    font-size: 40px;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: 8px;
}

.apply-subtitle {
    font-size: 20px;
    color: #4a5568;
    margin-bottom: 40px;
}

.apply-form-card {
    background: var(--white);
    border-radius: 12px;
    box-shadow: 0 25px 50px -12px rgb(0 0 0 / 0.25);
    border: 1px solid var(--medium-gray);
    overflow: hidden;
}

.apply-form-header {
    background: var(--primary-blue);
    padding: 32px;
    color: var(--white);
}

.apply-form-header h2 {
    font-size: 28px;
    font-weight: 700;
    margin-bottom: 8px;
}

.apply-form-header p {
    color: rgba(219, 234, 254, 0.9);
}

.apply-form-body {
    padding: 32px;
}

.apply-form-section {
    margin-bottom: 40px;
}

.apply-form-section-title {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
    border-bottom: 1px solid var(--medium-gray);
    padding-bottom: 16px;
}

.apply-form-section-title svg {
    color: var(--primary-blue);
}

.apply-form-section-title h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--primary-blue);
}

.apply-form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

.apply-form-field {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.apply-form-field.full-width {
    grid-column: span 2;
}

.apply-form-field label {
    font-size: 14px;
    font-weight: 500;
    color: var(--dark-text);
}

.apply-form-field input,
.apply-form-field select {
    height: 40px;
    padding: 8px 12px;
    border: 1px solid #d1d5db;
    border-radius: 6px;
    font-size: 16px;
    font-family: inherit;
    background: var(--white);
}

.apply-form-field input:focus,
.apply-form-field select:focus {
    outline: none;
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 2px rgba(14, 64, 106, 0.2);
}

.apply-checkbox-row {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 16px;
    background: #F9FAFB;
    border: 1px solid var(--medium-gray);
    border-radius: 12px;
}

.apply-checkbox-row input[type="checkbox"] {
    width: 16px;
    height: 16px;
    margin-top: 2px;
    accent-color: var(--primary-blue);
}

.apply-checkbox-row label {
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
}

.apply-checkbox-row label a {
    color: var(--primary-blue);
    text-decoration: underline;
}

.apply-submit-btn {
    width: 100%;
    height: 64px;
    font-size: 20px;
    font-weight: 700;
    background: var(--accent-yellow);
    color: var(--primary-blue);
    border: none;
    border-radius: var(--border-radius);
    cursor: pointer;
    box-shadow: 0 10px 15px -3px rgb(0 0 0 / 0.1);
    transition: var(--transition);
}

.apply-submit-btn:hover {
    background: var(--accent-yellow-hover);
}

.apply-secure-note {
    text-align: center;
    color: #9ca3af;
    font-size: 14px;
    margin-top: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

/* Contact Form */
.contact-section {
    padding: 60px 0;
    background: var(--white);
}

.contact-form-box {
    max-width: 600px;
    margin: 0 auto;
    background: var(--white);
    padding: 40px;
    border-radius: 16px;
    box-shadow: var(--shadow);
}

.contact-form-box h2 {
    font-size: 28px;
    color: var(--navy-blue);
    margin-bottom: 10px;
    text-align: center;
}

.contact-form-box > p {
    text-align: center;
    color: var(--gray-text);
    margin-bottom: 30px;
}

.contact-form .form-group {
    margin-bottom: 20px;
}

.contact-form label {
    display: block;
    font-weight: 600;
    color: var(--dark-text);
    margin-bottom: 8px;
    font-size: 15px;
}

.contact-form input,
.contact-form textarea,
.contact-form select {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid var(--medium-gray);
    border-radius: 8px;
    font-size: 16px;
    font-family: inherit;
    background: var(--white);
}

.contact-form input:focus,
.contact-form textarea:focus,
.contact-form select:focus {
    outline: none;
    border-color: var(--primary-blue);
}

.contact-form textarea {
    min-height: 120px;
    resize: vertical;
}

/* Authentication Page */
.auth-section {
    padding: 60px 0;
    background: var(--white);
}

.auth-container {
    max-width: 500px;
    margin: 0 auto;
    background: var(--white);
    padding: 40px;
    border-radius: 16px;
    box-shadow: var(--shadow);
}

.auth-container h2 {
    font-size: 28px;
    color: var(--navy-blue);
    margin-bottom: 10px;
    text-align: center;
}

.auth-container > p {
    text-align: center;
    color: var(--gray-text);
    margin-bottom: 30px;
}

.auth-form .form-group {
    margin-bottom: 20px;
}

.auth-form label {
    display: block;
    font-weight: 600;
    color: var(--dark-text);
    margin-bottom: 8px;
    font-size: 15px;
}

.auth-form input {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid var(--medium-gray);
    border-radius: 8px;
    font-size: 16px;
    font-family: inherit;
    background: var(--white);
}

.auth-form input:focus {
    outline: none;
    border-color: var(--primary-blue);
}

/* Slider (kept for compatibility) */
.hero-slider {
    position: relative;
    overflow: hidden;
}

.slider-container {
    position: relative;
}

.slide {
    display: none;
    padding: 80px 0;
    min-height: 550px;
}

.slide.active {
    display: block;
}

.slide-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 60px;
}

.slide-text {
    flex: 1;
    color: var(--white);
}

.slide-text h1 {
    font-size: 48px;
    font-weight: 700;
    margin-bottom: 20px;
    line-height: 1.2;
}

.slide-text p {
    font-size: 19px;
    margin-bottom: 30px;
    opacity: 0.9;
}

.slide-stats {
    display: flex;
    gap: 40px;
    margin-bottom: 30px;
}

.stat {
    text-align: center;
}

.stat-number {
    display: block;
    font-size: 28px;
    font-weight: 700;
    color: var(--accent-yellow);
}

.stat-label {
    font-size: 14px;
    opacity: 0.8;
}

.slide-buttons {
    display: flex;
    gap: 15px;
}

.slider-nav {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 10px;
}

.slider-dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.5);
    border: none;
    cursor: pointer;
    transition: var(--transition);
}

.slider-dot.active {
    background: var(--white);
}

.slider-arrows {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    width: 100%;
    display: flex;
    justify-content: space-between;
    padding: 0 20px;
    pointer-events: none;
}

.slider-arrow {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.2);
    border: none;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    pointer-events: all;
    transition: var(--transition);
}

.slider-arrow:hover {
    background: var(--white);
}

.slider-arrow svg {
    width: 24px;
    height: 24px;
    color: var(--white);
}

.slider-arrow:hover svg {
    color: var(--navy-blue);
}

/* Back to Top */
.back-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    background: var(--primary-blue);
    color: var(--white);
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    opacity: 0;
    visibility: hidden;
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
}

.back-to-top:hover {
    background: var(--dark-navy);
    transform: translateY(-5px);
}

.back-to-top svg {
    width: 24px;
    height: 24px;
}

/* Responsive */
@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        min-height: auto;
    }
    .hero-content {
        order: 1;
        padding: 40px 0 80px;
        text-align: center;
        display: flex;
        flex-direction: column;
        align-items: center;
    }
    .hero-content h1 {
        font-size: 36px;
        text-align: center;
    }
    .hero-content .hero-subtitle {
        text-align: center;
    }
    .hero-features {
        align-items: center;
        text-align: center;
    }
    .hero-features li {
        justify-content: center;
    }
    .hero-buttons {
        align-items: center;
        text-align: center;
    }
    .hero-image {
        order: 2;
    }
    .hero-image img {
        max-height: 400px;
    }
}

@media (max-width: 992px) {
    .slide-content {
        flex-direction: column;
        text-align: center;
    }
    .slide-text h1 {
        font-size: 36px;
    }
    .slide-stats {
        justify-content: center;
    }
    .slide-buttons {
        justify-content: center;
    }
    .calculator-wrapper,
    .app-wrapper,
    .personal-loan-wrapper {
        flex-direction: column;
    }
    .loan-features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .steps-container {
        flex-direction: column;
    }
    .step-arrow {
        transform: rotate(90deg);
        padding: 20px 0;
    }
    .services-grid,
    .why-choose-grid,
    .testimonials-grid,
    .values-grid,
    .products-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .footer-content {
        grid-template-columns: repeat(2, 1fr);
    }
}

.desktop-only { display: flex; }
.mobile-cta { display: none; }

@media (max-width: 768px) {
    .desktop-only { display: none !important; }
    .mobile-cta { display: block; width: 100%; padding: 10px 0; }
    .mobile-cta .btn { width: 100%; display: block; text-align: center; }
    .nav-links {
        position: fixed;
        top: 64px;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 20px;
        gap: 15px;
        box-shadow: 0 10px 20px rgba(0, 0, 0, 0.1);
        transform: translateY(-150%);
        opacity: 0;
        transition: var(--transition);
        pointer-events: none;
    }
    .nav-links.active {
        transform: translateY(0);
        opacity: 1;
        pointer-events: all;
    }
    .mobile-menu-btn {
        display: flex;
    }
    .section-header h2 {
        font-size: 32px;
    }
    .form-row {
        flex-direction: column;
    }
    .disclosure-grid {
        grid-template-columns: 1fr;
    }
    .apply-form-grid {
        grid-template-columns: 1fr;
    }
    .apply-form-field.full-width {
        grid-column: span 1;
    }
}

@media (max-width: 600px) {
    .services-grid,
    .why-choose-grid,
    .testimonials-grid,
    .values-grid,
    .products-grid {
        grid-template-columns: 1fr;
    }
    .slide-text h1 {
        font-size: 28px;
    }
    .slide-stats {
        flex-direction: column;
        gap: 20px;
    }
    .loan-nav-tabs {
        flex-direction: column;
    }
    .loan-requirements ul {
        grid-template-columns: 1fr;
    }
    .trust-badges {
        flex-direction: column;
    }
    .footer-content {
        grid-template-columns: 1fr;
    }
    .btn-large {
        padding: 15px 30px;
        font-size: 16px;
    }
    .hero-content h1 {
        font-size: 32px;
        line-height: 1.1;
    }
    .hero-content .hero-subtitle {
        font-size: 24px;
    }
    .hero-features li {
        font-size: 17px;
    }
    .steps-row {
        flex-direction: column;
        gap: 20px;
    }
    .values-section h2 {
        font-size: 32px;
    }
}

/* Logo sizing utility */
.logo2 img {
    width: 188px;
}
@media (max-width: 768px) {
    .logo2 img {
        width: 121px;
    }
}