/* ===== CSS Variables ===== */
:root {
  --primary: #0a3d6b;
  --primary-dark: #062a4e;
  --accent: #e8a020;
  --accent-dark: #c8880a;
  --light: #f4f8ff;
  --white: #ffffff;
  --text: #2c3e50;
  --text-muted: #6b7a8d;
  --border: #dce6f0;
  --success: #27ae60;
  --gradient: linear-gradient(135deg, #0a3d6b 0%, #1a6db5 100%);
  --shadow: 0 8px 30px rgba(10, 61, 107, 0.12);
  --shadow-hover: 0 16px 48px rgba(10, 61, 107, 0.2);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s ease;
}

/* ===== Reset & Base ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Nunito', sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; }
ul { list-style: none; padding: 0; margin: 0; }

/* ===== Typography ===== */
h1, h2, h3, h4, h5 { font-family: 'Playfair Display', serif; font-weight: 700; line-height: 1.2; color: var(--primary-dark); }
.section-label { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: 3px; color: var(--accent); display: flex; align-items: center; gap: 8px; margin-bottom: 12px; }
.section-label::before { content: ''; width: 30px; height: 2px; background: var(--accent); display: inline-block; }
.section-title { font-size: clamp(28px, 4vw, 42px); margin-bottom: 20px; }
.section-title span { color: var(--accent); }
.section-subtitle { font-size: 16px; color: var(--text-muted); line-height: 1.7; max-width: 600px; }

/* ===== Buttons ===== */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--accent); color: var(--white);
  padding: 14px 32px; border-radius: 50px; font-weight: 700; font-size: 15px;
  border: none; cursor: pointer; transition: var(--transition);
  box-shadow: 0 4px 15px rgba(232, 160, 32, 0.4);
}
.btn-primary:hover { background: var(--accent-dark); transform: translateY(-2px); box-shadow: 0 8px 25px rgba(232, 160, 32, 0.5); }

.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--white);
  padding: 13px 32px; border-radius: 50px; font-weight: 700; font-size: 15px;
  border: 2px solid rgba(255,255,255,0.6); cursor: pointer; transition: var(--transition);
}
.btn-outline:hover { background: rgba(255,255,255,0.15); border-color: var(--white); }

.btn-dark {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--primary); color: var(--white);
  padding: 14px 32px; border-radius: 50px; font-weight: 700; font-size: 15px;
  border: none; cursor: pointer; transition: var(--transition);
}
.btn-dark:hover { background: var(--primary-dark); transform: translateY(-2px); }

/* ===== Navbar ===== */
.navbar-custom {
  background: var(--white); box-shadow: 0 2px 20px rgba(10,61,107,0.08);
  padding: 0; position: sticky; top: 0; z-index: 1000;
  border-bottom: 3px solid var(--accent);
}
.navbar-brand-wrap { display: flex; align-items: center; gap: 12px; }
.navbar-logo { width: 50px; height: 50px; background: var(--gradient); border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 22px; color: white; font-family: 'Playfair Display', serif; font-weight: 900; }
.navbar-brand-text .brand-name { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 900; color: var(--primary); line-height: 1; }
.navbar-brand-text .brand-sub { font-size: 11px; color: var(--accent); letter-spacing: 1px; text-transform: uppercase; font-weight: 700; }
.navbar-custom .nav-link { font-weight: 600; font-size: 14px; color: var(--text) !important; padding: 28px 16px !important; transition: var(--transition); position: relative; }
.navbar-custom .nav-link:hover, .navbar-custom .nav-link.active { color: var(--primary) !important; }
.navbar-custom .nav-link::after { content: ''; position: absolute; bottom: 0; left: 50%; transform: translateX(-50%); width: 0; height: 3px; background: var(--accent); transition: var(--transition); }
.navbar-custom .nav-link:hover::after, .navbar-custom .nav-link.active::after { width: 100%; }
.navbar-custom .dropdown-menu { border: none; box-shadow: var(--shadow); border-radius: var(--radius); padding: 8px; border-top: 3px solid var(--accent); }
.navbar-custom .dropdown-item { font-weight: 600; font-size: 14px; padding: 10px 16px; border-radius: 8px; transition: var(--transition); }
.navbar-custom .dropdown-item:hover { background: var(--light); color: var(--primary); }
.nav-help { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--text-muted); }
.nav-help a { font-weight: 700; color: var(--primary); }
.navbar-toggler { border: none; padding: 4px; }
.navbar-toggler:focus { box-shadow: none; }

/* ===== Hero Slider ===== */
.hero-section { position: relative; background: var(--gradient); overflow: hidden; min-height: 90vh; display: flex; align-items: center; }
.hero-section::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E"); }
.hero-shape-1 { position: absolute; top: -100px; right: -100px; width: 500px; height: 500px; background: rgba(255,255,255,0.04); border-radius: 50%; }
.hero-shape-2 { position: absolute; bottom: -150px; left: -80px; width: 400px; height: 400px; background: rgba(232,160,32,0.1); border-radius: 50%; }
.hero-slide { padding: 80px 0; }
.hero-label { background: rgba(232,160,32,0.2); border: 1px solid rgba(232,160,32,0.4); color: var(--accent); padding: 6px 20px; border-radius: 50px; font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; display: inline-block; margin-bottom: 24px; }
.hero-slide h1 { font-size: clamp(36px, 5vw, 60px); color: var(--white); margin-bottom: 20px; text-shadow: 0 2px 10px rgba(0,0,0,0.2); }
.hero-slide h1 span { color: var(--accent); }
.hero-slide p { font-size: 18px; color: rgba(255,255,255,0.85); line-height: 1.7; margin-bottom: 36px; max-width: 550px; }
.hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 32px; margin-top: 48px; flex-wrap: wrap; }
.hero-stat { text-align: center; }
.hero-stat .num { font-size: 32px; font-weight: 900; color: var(--accent); font-family: 'Playfair Display', serif; display: block; }
.hero-stat .lbl { font-size: 12px; color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: 1px; }
.hero-image-wrap { position: relative; display: flex; align-items: center; justify-content: center; }
.hero-card-float { background: var(--white); border-radius: var(--radius-lg); padding: 32px; box-shadow: 0 20px 60px rgba(0,0,0,0.3); max-width: 380px; animation: floatUp 3s ease-in-out infinite alternate; }
.hero-card-float h4 { font-size: 18px; color: var(--primary); margin-bottom: 16px; }
.loan-type-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.loan-type-item { background: var(--light); padding: 12px; border-radius: 10px; display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--text); transition: var(--transition); cursor: pointer; }
.loan-type-item:hover { background: var(--primary); color: var(--white); }
.loan-type-item i { color: var(--accent); font-size: 18px; }
.loan-type-item:hover i { color: var(--white); }
@keyframes floatUp { from { transform: translateY(0); } to { transform: translateY(-15px); } }

/* ===== Marquee Ticker ===== */
.ticker-section { background: var(--primary-dark); padding: 14px 0; overflow: hidden; }
.ticker-wrap { display: flex; align-items: center; gap: 0; white-space: nowrap; animation: ticker 30s linear infinite; }
.ticker-item { display: inline-flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.8); font-size: 13px; font-weight: 600; padding: 0 24px; }
.ticker-item span { color: var(--accent); font-weight: 800; }
.ticker-item::after { content: '◆'; color: var(--accent); margin-left: 24px; }
@keyframes ticker { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }

/* ===== Section Spacing ===== */
.section-pad { padding: 90px 0; }
.section-pad-sm { padding: 60px 0; }
.bg-light-blue { background: var(--light); }
.bg-dark-blue { background: var(--primary-dark); }

/* ===== About Section ===== */
.about-img-wrap { position: relative; }
.about-img-main { border-radius: var(--radius-lg); width: 100%; object-fit: cover; height: 480px; box-shadow: var(--shadow); }
.about-img-badge { position: absolute; bottom: 30px; left: -20px; background: var(--white); border-radius: var(--radius); padding: 20px 24px; box-shadow: var(--shadow); text-align: center; }
.about-img-badge .num { font-size: 36px; font-weight: 900; color: var(--primary); font-family: 'Playfair Display', serif; display: block; line-height: 1; }
.about-img-badge .txt { font-size: 12px; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; }
.about-img-badge2 { position: absolute; top: 30px; right: -20px; background: var(--accent); border-radius: var(--radius); padding: 16px 20px; box-shadow: 0 8px 20px rgba(232,160,32,0.4); color: var(--white); text-align: center; }
.about-img-badge2 .num2 { font-size: 28px; font-weight: 900; font-family: 'Playfair Display', serif; display: block; line-height: 1; }
.about-img-badge2 .txt2 { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; }
.about-features { margin-top: 28px; }
.about-feature { display: flex; gap: 16px; margin-bottom: 20px; }
.about-feature-icon { width: 50px; height: 50px; background: var(--light); border-radius: 12px; display: flex; align-items: center; justify-content: center; color: var(--primary); font-size: 20px; flex-shrink: 0; transition: var(--transition); }
.about-feature:hover .about-feature-icon { background: var(--primary); color: var(--white); }
.about-feature-text h5 { font-size: 16px; margin-bottom: 4px; }
.about-feature-text p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

/* ===== Services ===== */
.services-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 28px; margin-top: 48px; }
.service-card { background: var(--white); border-radius: var(--radius-lg); padding: 36px 28px; box-shadow: var(--shadow); border: 1px solid var(--border); transition: var(--transition); position: relative; overflow: hidden; group: true; }
.service-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--gradient); transform: scaleX(0); transform-origin: left; transition: var(--transition); }
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-hover); border-color: rgba(10,61,107,0.15); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon { width: 64px; height: 64px; background: var(--light); border-radius: 16px; display: flex; align-items: center; justify-content: center; font-size: 28px; color: var(--primary); margin-bottom: 20px; transition: var(--transition); }
.service-card:hover .service-icon { background: var(--primary); color: var(--white); transform: scale(1.05); }
.service-tag { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 2px; color: var(--accent); margin-bottom: 8px; }
.service-card h3 { font-size: 20px; margin-bottom: 12px; }
.service-card p { font-size: 14px; color: var(--text-muted); line-height: 1.7; margin-bottom: 20px; }
.service-link { display: inline-flex; align-items: center; gap: 6px; font-size: 14px; font-weight: 700; color: var(--primary); transition: var(--transition); }
.service-link:hover { color: var(--accent); gap: 10px; }

/* ===== Apply / CTA Form ===== */
.apply-section { background: var(--gradient); position: relative; overflow: hidden; }
.apply-section::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M0 40L40 0H20L0 20M40 40V20L20 40'/%3E%3C/g%3E%3C/svg%3E"); }
.apply-info h2 { color: var(--white); margin-bottom: 16px; }
.apply-info p { color: rgba(255,255,255,0.8); font-size: 16px; line-height: 1.7; margin-bottom: 28px; }
.contact-detail { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
.contact-detail-icon { width: 44px; height: 44px; background: rgba(255,255,255,0.1); border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--accent); font-size: 18px; flex-shrink: 0; }
.contact-detail-text { font-size: 14px; color: rgba(255,255,255,0.8); }
.contact-detail-text strong { display: block; color: var(--white); font-size: 15px; }
.apply-form-card { background: var(--white); border-radius: var(--radius-lg); padding: 40px; box-shadow: 0 20px 60px rgba(0,0,0,0.2); }
.apply-form-card h3 { font-size: 24px; color: var(--primary); margin-bottom: 8px; }
.apply-form-card p { font-size: 14px; color: var(--text-muted); margin-bottom: 28px; }
.form-group { margin-bottom: 18px; }
.form-label { font-size: 13px; font-weight: 700; color: var(--text); margin-bottom: 6px; display: block; }
.form-control, .form-select { border: 1.5px solid var(--border); border-radius: 10px; padding: 12px 16px; font-size: 14px; color: var(--text); transition: var(--transition); width: 100%; }
.form-control:focus, .form-select:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(10,61,107,0.1); outline: none; }

/* ===== How It Works ===== */
.steps-container { margin-top: 48px; }
.step-card { text-align: center; position: relative; }
.step-number { width: 60px; height: 60px; background: var(--gradient); color: var(--white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 22px; font-weight: 900; font-family: 'Playfair Display', serif; margin: 0 auto 20px; position: relative; z-index: 1; }
.step-number::after { content: ''; position: absolute; inset: -4px; border: 2px dashed rgba(10,61,107,0.3); border-radius: 50%; }
.step-icon-wrap { width: 80px; height: 80px; background: var(--light); border-radius: 20px; display: flex; align-items: center; justify-content: center; font-size: 32px; margin: 0 auto 16px; color: var(--primary); }
.step-card h4 { font-size: 18px; margin-bottom: 10px; }
.step-card p { font-size: 14px; color: var(--text-muted); line-height: 1.7; }
.step-connector { position: absolute; top: 30px; right: -50%; width: 100%; height: 2px; background: linear-gradient(90deg, var(--accent), transparent); z-index: 0; }

/* ===== CTA Banner ===== */
.cta-banner { background: var(--accent); padding: 70px 0; text-align: center; position: relative; overflow: hidden; }
.cta-banner::before { content: ''; position: absolute; top: -50px; right: -50px; width: 200px; height: 200px; background: rgba(255,255,255,0.1); border-radius: 50%; }
.cta-banner h2 { color: var(--white); font-size: clamp(28px, 4vw, 42px); margin-bottom: 16px; }
.cta-banner p { color: rgba(255,255,255,0.85); font-size: 17px; margin-bottom: 32px; }

/* ===== FAQ ===== */
.faq-accordion .accordion-item { border: 1.5px solid var(--border); border-radius: var(--radius) !important; margin-bottom: 14px; overflow: hidden; }
.faq-accordion .accordion-button { font-weight: 700; font-size: 15px; color: var(--text); background: var(--white); padding: 20px 24px; }
.faq-accordion .accordion-button:not(.collapsed) { color: var(--primary); background: var(--light); box-shadow: none; }
.faq-accordion .accordion-button::after { filter: hue-rotate(200deg); }
.faq-accordion .accordion-body { font-size: 14px; color: var(--text-muted); line-height: 1.8; padding: 16px 24px 24px; }

/* ===== Partners/Trusted ===== */
.partner-strip { background: var(--light); padding: 40px 0; }
.partner-strip h6 { text-align: center; font-size: 12px; letter-spacing: 3px; text-transform: uppercase; color: var(--text-muted); margin-bottom: 24px; }
.partner-logos { display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.partner-logo { background: var(--white); border: 1.5px solid var(--border); border-radius: 12px; padding: 14px 28px; font-size: 15px; font-weight: 800; color: var(--primary); letter-spacing: -0.5px; transition: var(--transition); }
.partner-logo:hover { border-color: var(--accent); color: var(--accent); transform: translateY(-3px); box-shadow: var(--shadow); }

/* ===== Footer ===== */
.footer { background: var(--primary-dark); color: rgba(255,255,255,0.8); padding: 70px 0 0; }
.footer-logo { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
.footer-logo-icon { width: 48px; height: 48px; background: var(--accent); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 22px; color: white; font-family: 'Playfair Display', serif; font-weight: 900; }
.footer-logo-text .name { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 900; color: var(--white); line-height: 1; }
.footer-logo-text .sub { font-size: 11px; color: var(--accent); letter-spacing: 1px; text-transform: uppercase; }
.footer p { font-size: 14px; line-height: 1.8; }
.footer h5 { color: var(--white); font-size: 16px; margin-bottom: 20px; padding-bottom: 10px; border-bottom: 2px solid rgba(232,160,32,0.4); }
.footer ul li { margin-bottom: 10px; }
.footer ul li a { font-size: 14px; color: rgba(255,255,255,0.7); transition: var(--transition); display: flex; align-items: center; gap: 8px; }
.footer ul li a::before { content: '›'; color: var(--accent); font-size: 18px; }
.footer ul li a:hover { color: var(--accent); padding-left: 4px; }
.footer-contact li { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 14px; font-size: 14px; }
.footer-contact li i { color: var(--accent); font-size: 16px; margin-top: 2px; flex-shrink: 0; }
.social-links { display: flex; gap: 10px; margin-top: 20px; }
.social-link { width: 38px; height: 38px; border-radius: 10px; background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); font-size: 16px; transition: var(--transition); }
.social-link:hover { background: var(--accent); color: var(--white); transform: translateY(-3px); }
.footer-bottom { background: rgba(0,0,0,0.25); padding: 20px 0; margin-top: 50px; text-align: center; font-size: 13px; color: rgba(255,255,255,0.5); }
.footer-bottom a { color: var(--accent); }

/* ===== Floating Buttons ===== */
.float-btns { position: fixed; bottom: 24px; right: 24px; display: flex; flex-direction: column; gap: 12px; z-index: 999; }
.float-btn { width: 52px; height: 52px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 22px; color: var(--white); box-shadow: 0 4px 15px rgba(0,0,0,0.25); transition: var(--transition); }
.float-btn:hover { transform: scale(1.12); }
.float-btn.call { background: var(--primary); }
.float-btn.whatsapp { background: #25d366; }

/* ===== Page Hero ===== */
.page-hero { background: var(--gradient); padding: 70px 0; text-align: center; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E"); }
.page-hero h1 { color: var(--white); font-size: clamp(32px, 5vw, 52px); margin-bottom: 12px; }
.page-hero .breadcrumb { justify-content: center; background: none; padding: 0; }
.page-hero .breadcrumb-item, .page-hero .breadcrumb-item a { color: rgba(255,255,255,0.7); font-size: 14px; }
.page-hero .breadcrumb-item.active { color: var(--accent); }
.page-hero .breadcrumb-item + .breadcrumb-item::before { color: rgba(255,255,255,0.4); }

/* ===== Stats Bar ===== */
.stats-bar { background: var(--white); padding: 36px 0; box-shadow: var(--shadow); border-radius: 0 0 20px 20px; }
.stat-item { text-align: center; padding: 0 20px; }
.stat-item .stat-num { font-size: 36px; font-weight: 900; color: var(--primary); font-family: 'Playfair Display', serif; display: block; line-height: 1; }
.stat-item .stat-lbl { font-size: 12px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 1px; font-weight: 600; margin-top: 4px; }
.stat-divider { width: 1px; background: var(--border); }

/* ===== Alert Success ===== */
.alert-success-custom { background: #e8f8f0; border: 1.5px solid #27ae60; border-radius: var(--radius); padding: 20px 24px; color: var(--success); font-weight: 600; display: flex; align-items: center; gap: 12px; margin-bottom: 24px; }

/* ===== Responsive ===== */
@media (max-width: 991px) {
  .hero-section { min-height: auto; }
  .hero-slide { padding: 60px 0; }
  .hero-image-wrap { margin-top: 40px; }
  .about-img-badge { left: 0; }
  .about-img-badge2 { right: 0; }
  .step-connector { display: none; }
  .navbar-custom .nav-link { padding: 12px 16px !important; }
  .navbar-custom .nav-link::after { display: none; }
  .services-grid { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
}
@media (max-width: 576px) {
  .hero-stats { gap: 20px; }
  .hero-btns { flex-direction: column; }
  .about-img-badge, .about-img-badge2 { display: none; }
  .apply-form-card { padding: 24px; }
}