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

:root {
  --primary: #1a56db;
  --primary-dark: #1e429f;
  --secondary: #0e7490;
  --accent: #f59e0b;
  --success: #10b981;
  --bg-gradient: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
  --text-dark: #1f2937;
  --text-gray: #6b7280;
  --surface: #ffffff;
  --surface-hover: #f9fafb;
  --border: #e5e7eb;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1);
  --shadow-lg: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
  --radius: 16px;
}

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: #f8fafc;
  color: var(--text-dark);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container {
  width: min(1200px, 90%);
  margin: 0 auto;
}

/* Header */
.site-header {
  background: var(--bg-gradient);
  color: white;
  padding: 28px 0;
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(10px);
}

.site-header h1 {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}

.site-header p {
  opacity: 0.95;
  font-size: 1rem;
  margin-bottom: 18px;
}

.site-header nav {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.site-header a {
  color: rgba(255,255,255,0.9);
  text-decoration: none;
  padding: 10px 20px;
  border-radius: 8px;
  transition: all 0.3s ease;
  font-weight: 500;
  font-size: 0.95rem;
}

.site-header a:hover {
  background: rgba(255,255,255,0.15);
  color: white;
  transform: translateY(-2px);
}

/* Hero */
.hero {
  padding: 80px 0;
  text-align: center;
  background: linear-gradient(180deg, rgba(102,126,234,0.05) 0%, transparent 100%);
}

.hero h2 {
  font-size: 3rem;
  font-weight: 700;
  margin-bottom: 20px;
  background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1.2;
}

.hero p {
  font-size: 1.25rem;
  color: var(--text-gray);
  max-width: 600px;
  margin: 0 auto 32px;
}

.button {
  display: inline-block;
  padding: 16px 40px;
  background: var(--bg-gradient);
  color: white;
  text-decoration: none;
  border-radius: 12px;
  font-weight: 600;
  font-size: 1.05rem;
  box-shadow: var(--shadow-md);
  transition: all 0.3s ease;
  border: none;
  cursor: pointer;
}

.button:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

/* Features */
.features {
  display: grid;
  gap: 28px;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  margin-bottom: 60px;
  padding: 40px 0;
}

.features article {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}

.features article::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--bg-gradient);
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.features article:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.features article:hover::before {
  transform: scaleX(1);
}

.features article h3 {
  font-size: 1.5rem;
  font-weight: 600;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.features article p {
  color: var(--text-gray);
  margin-bottom: 20px;
  font-size: 1rem;
}

.features article a {
  color: var(--primary);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: all 0.3s ease;
}

.features article a::after {
  content: '→';
  transition: transform 0.3s ease;
}

.features article a:hover {
  color: var(--primary-dark);
  gap: 10px;
}

.features article a:hover::after {
  transform: translateX(4px);
}

/* Content Card */
.content-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 48px;
  margin: 40px 0;
  box-shadow: var(--shadow-md);
}

.content-card h2 {
  font-size: 2.25rem;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--text-dark);
}

.content-card h3 {
  font-size: 1.5rem;
  font-weight: 600;
  margin: 32px 0 16px;
  color: var(--text-dark);
}

.content-card p {
  color: var(--text-gray);
  margin-bottom: 16px;
  line-height: 1.8;
}

.content-card ul {
  margin: 16px 0 16px 24px;
  color: var(--text-gray);
}

.content-card li {
  margin-bottom: 8px;
  line-height: 1.7;
}

/* Contact Form */
.contact-form {
  display: grid;
  gap: 24px;
  margin-top: 32px;
}

.contact-form label {
  display: block;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--text-dark);
  font-size: 0.95rem;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--border);
  border-radius: 10px;
  font-family: inherit;
  font-size: 1rem;
  transition: all 0.3s ease;
  background: var(--surface);
}

.contact-form input:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(26, 86, 219, 0.1);
}

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

.checkbox-label {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 0.9rem;
  color: var(--text-gray);
  line-height: 1.6;
}

.checkbox-label input[type="checkbox"] {
  margin-top: 4px;
  width: 18px;
  height: 18px;
  cursor: pointer;
}

button[type="submit"] {
  width: fit-content;
  padding: 16px 40px;
  background: var(--bg-gradient);
  color: white;
  border: none;
  border-radius: 12px;
  cursor: pointer;
  font-weight: 600;
  font-size: 1.05rem;
  box-shadow: var(--shadow-md);
  transition: all 0.3s ease;
  font-family: inherit;
}

button[type="submit"]:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

button[type="submit"]:active {
  transform: translateY(-1px);
}

/* Footer */
.site-footer {
  padding: 32px 0;
  text-align: center;
  color: var(--text-gray);
  background: var(--surface);
  border-top: 1px solid var(--border);
  margin-top: 80px;
  font-size: 0.95rem;
}

/* Responsive */
@media (max-width: 768px) {
  .hero h2 {
    font-size: 2rem;
  }
  
  .hero p {
    font-size: 1.1rem;
  }
  
  .content-card {
    padding: 32px 24px;
  }
  
  .content-card h2 {
    font-size: 1.75rem;
  }
  
  .features {
    gap: 20px;
  }
  
  .site-header h1 {
    font-size: 1.5rem;
  }
}

/* Header brand */
.header-brand p {
  opacity: 0.9;
  font-size: 0.95rem;
  margin-bottom: 16px;
}

/* Hero additions */
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.3);
  color: white;
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 0.9rem;
  font-weight: 500;
  margin-bottom: 24px;
  backdrop-filter: blur(10px);
}

.hero {
  background: var(--bg-gradient);
  color: white;
  padding: 100px 0 80px;
}

.hero h2 {
  font-size: 3.2rem;
  font-weight: 800;
  margin-bottom: 20px;
  background: none;
  -webkit-text-fill-color: white;
  color: white;
}

.hero p {
  color: rgba(255,255,255,0.9);
  font-size: 1.25rem;
  max-width: 620px;
  margin: 0 auto 36px;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 56px;
}

.button-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,0.8);
  color: white;
  box-shadow: none;
}

.button-outline:hover {
  background: rgba(255,255,255,0.1);
}

.button-white {
  background: white;
  color: var(--primary-dark);
}

.button-white:hover {
  background: #f0f4ff;
}

/* Stats row */
.stats-row {
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
  background: rgba(255,255,255,0.12);
  border-radius: 20px;
  padding: 28px 40px;
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.2);
}

.stat {
  text-align: center;
}

.stat strong {
  display: block;
  font-size: 2rem;
  font-weight: 700;
  color: white;
  line-height: 1;
}

.stat span {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
  margin-top: 6px;
  display: block;
}

/* Section Header */
.section-header {
  text-align: center;
  margin-bottom: 48px;
}

.section-header h2 {
  font-size: 2.25rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--text-dark);
}

.section-header p {
  font-size: 1.1rem;
  color: var(--text-gray);
}

/* Loan Types */
.loan-types {
  padding: 80px 0;
  background: #f8fafc;
}

.loan-grid {
  display: grid;
  gap: 24px;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
}

.loan-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

.loan-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: #c7d2fe;
}

.loan-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
}

.loan-card h3 {
  font-size: 1.35rem;
  font-weight: 600;
  margin-bottom: 10px;
  color: var(--text-dark);
}

.loan-card p {
  color: var(--text-gray);
  font-size: 0.95rem;
  margin-bottom: 16px;
  line-height: 1.7;
}

.loan-card ul {
  list-style: none;
  padding: 0;
  margin-bottom: 20px;
}

.loan-card ul li {
  font-size: 0.9rem;
  color: var(--text-gray);
  padding: 4px 0;
}

.loan-card ul li::before {
  content: '✓ ';
  color: var(--success);
  font-weight: 700;
}

.loan-card a {
  color: var(--primary);
  font-weight: 600;
  text-decoration: none;
  font-size: 0.95rem;
  transition: gap 0.3s;
}

.loan-card a:hover {
  color: var(--primary-dark);
}

/* Why Us */
.why-us {
  padding: 80px 0;
  background: white;
}

.why-grid {
  display: grid;
  gap: 24px;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.why-card {
  padding: 32px;
  border-radius: var(--radius);
  background: #f8fafc;
  border: 1px solid var(--border);
  transition: all 0.3s ease;
}

.why-card:hover {
  background: white;
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.why-icon {
  font-size: 2rem;
  margin-bottom: 14px;
}

.why-card h4 {
  font-size: 1.15rem;
  font-weight: 600;
  margin-bottom: 10px;
  color: var(--text-dark);
}

.why-card p {
  font-size: 0.95rem;
  color: var(--text-gray);
  line-height: 1.7;
}

/* CTA Banner */
.cta-banner {
  background: var(--bg-gradient);
  color: white;
  text-align: center;
  padding: 80px 0;
  margin: 0;
}

.cta-banner h2 {
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.cta-banner p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.9);
  margin-bottom: 36px;
}

/* Quick links section padding */
.quick-links-section {
  padding: 60px 0;
  background: #f8fafc;
}

/* Footer */
.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 40px;
  padding: 48px 0 32px;
  text-align: left;
}

.footer-grid strong {
  display: block;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 12px;
}

.footer-grid p {
  font-size: 0.9rem;
  color: var(--text-gray);
  margin-bottom: 6px;
}

.footer-grid ul {
  list-style: none;
  padding: 0;
}

.footer-grid ul li {
  font-size: 0.9rem;
  color: var(--text-gray);
  margin-bottom: 6px;
}

.footer-grid ul li a {
  color: var(--text-gray);
  text-decoration: none;
  transition: color 0.3s;
}

.footer-grid ul li a:hover {
  color: var(--primary);
}

.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 20px;
  font-size: 0.85rem;
  color: var(--text-gray);
  text-align: center;
}

/* Page hero text (Terms, Privacy, Contact) */
.page-hero-text {
  margin-bottom: 36px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--border);
}

.page-hero-text h2 {
  font-size: 2.25rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.page-hero-text p {
  font-size: 1.05rem;
  color: var(--text-gray);
}

/* Contact Info Row */
.contact-info-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  margin: 40px 0 32px;
}

.contact-info-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

.contact-info-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.contact-info-icon {
  font-size: 2rem;
  margin-bottom: 12px;
}

.contact-info-card h4 {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 6px;
}

.contact-info-card p {
  font-size: 0.95rem;
  color: var(--text-dark);
  font-weight: 500;
  margin-bottom: 4px;
}

.contact-info-card span {
  font-size: 0.82rem;
  color: var(--text-gray);
}

/* Form Row (two-column) */
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.contact-form select {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--border);
  border-radius: 10px;
  font-family: inherit;
  font-size: 1rem;
  background: white;
  transition: all 0.3s ease;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%236b7280' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  cursor: pointer;
}

.contact-form select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(26,86,219,0.1);
}

.contact-form a {
  color: var(--primary);
  text-decoration: underline;
}

/* FAQ Section */
.faq-section {
  padding: 60px 0;
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 20px;
}

.faq-item {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.faq-item h4 {
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 10px;
}

.faq-item p {
  font-size: 0.92rem;
  color: var(--text-gray);
  line-height: 1.7;
}

/* Content card headings */
.content-card h4 {
  font-size: 1.1rem;
  font-weight: 600;
  margin: 20px 0 10px;
  color: var(--text-dark);
}

/* Responsive */
@media (max-width: 768px) {
  .hero h2 { font-size: 2.2rem; }
  .stats-row { gap: 24px; padding: 24px; }
  .form-row { grid-template-columns: 1fr; }
  .cta-banner h2 { font-size: 1.9rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .stats-row { flex-direction: column; gap: 16px; }
}

/* Page Banner (About, FAQ hero) */
.page-banner {
  background: var(--bg-gradient);
  color: white;
  text-align: center;
  padding: 70px 0;
}

.page-banner h2 {
  font-size: 2.8rem;
  font-weight: 800;
  margin-bottom: 14px;
}

.page-banner p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.9);
  max-width: 600px;
  margin: 0 auto;
}

/* About Intro */
.about-intro {
  padding: 60px 0 40px;
}

.about-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.about-intro-text h2 {
  font-size: 2rem;
  font-weight: 700;
  margin-bottom: 16px;
}

.about-intro-text p {
  color: var(--text-gray);
  line-height: 1.8;
  margin-bottom: 14px;
}

.about-stats-box {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.about-stat {
  background: white;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 24px 20px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}

.about-stat strong {
  display: block;
  font-size: 1.8rem;
  font-weight: 700;
  background: var(--bg-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1.1;
  margin-bottom: 6px;
}

.about-stat span {
  font-size: 0.82rem;
  color: var(--text-gray);
}

/* Mission / Vision */
.mv-section {
  padding: 20px 0 60px;
}

.mv-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}

.mv-card {
  border-radius: var(--radius);
  padding: 36px 32px;
  color: white;
}

.mv-mission { background: linear-gradient(135deg, #667eea, #764ba2); }
.mv-vision  { background: linear-gradient(135deg, #0e7490, #0891b2); }
.mv-values  { background: linear-gradient(135deg, #f59e0b, #d97706); }

.mv-icon {
  font-size: 2.2rem;
  margin-bottom: 14px;
}

.mv-card h3 {
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 12px;
}

.mv-card p {
  font-size: 0.95rem;
  opacity: 0.92;
  line-height: 1.75;
}

/* About Services */
.about-services {
  padding: 20px 0 60px;
}

.about-services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 20px;
}

.about-service-item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  background: white;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

.about-service-item:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.about-service-item > span {
  font-size: 1.6rem;
  font-weight: 800;
  background: var(--bg-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  flex-shrink: 0;
  line-height: 1;
  padding-top: 4px;
}

.about-service-item h4 {
  font-size: 1.05rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--text-dark);
}

.about-service-item p {
  font-size: 0.9rem;
  color: var(--text-gray);
  line-height: 1.7;
}

/* Team */
.team-section {
  padding: 20px 0 60px;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}

.team-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: all 0.3s ease;
}

.team-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
}

.team-avatar {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--bg-gradient);
  color: white;
  font-size: 1.3rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.team-card h4 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 4px;
}

.team-card span {
  font-size: 0.82rem;
  color: var(--primary);
  font-weight: 500;
  display: block;
  margin-bottom: 12px;
}

.team-card p {
  font-size: 0.88rem;
  color: var(--text-gray);
  line-height: 1.6;
}

/* FAQ Page */
.faq-page-section {
  padding: 40px 0 10px;
}

.faq-category-title {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border);
}

.faq-accordion {
  display: grid;
  gap: 14px;
  margin-bottom: 20px;
}

.faq-block {
  background: white;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px 32px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s ease;
}

.faq-block:hover {
  box-shadow: var(--shadow-md);
}

.faq-block h4 {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 10px;
}

.faq-block p {
  font-size: 0.95rem;
  color: var(--text-gray);
  line-height: 1.75;
}

.faq-block ul {
  margin: 10px 0 0 20px;
  color: var(--text-gray);
  font-size: 0.95rem;
  line-height: 1.8;
}

/* Responsive additions */
@media (max-width: 768px) {
  .about-intro-grid { grid-template-columns: 1fr; }
  .page-banner h2 { font-size: 2rem; }
  .faq-block { padding: 22px 20px; }
}