/* ===== LFS LOANS - GLOBAL STYLES ===== */
/* White/Light Theme - Clean & Professional */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Outfit:wght@400;500;600;700;800&display=swap');

:root {
  --primary: #1a3a5c;
  --primary-dark: #0f2840;
  --primary-light: #2a5a8c;
  --accent: #e8a838;
  --accent-dark: #c88a20;
  --accent-light: #f5c563;
  --teal: #0d9488;
  --teal-light: #14b8a6;
  --white: #ffffff;
  --off-white: #f8fafb;
  --light-bg: #f1f5f8;
  --lighter-bg: #f7f9fb;
  --border: #e2e8f0;
  --border-light: #edf2f7;
  --text-dark: #1a202c;
  --text-body: #4a5568;
  --text-muted: #718096;
  --text-light: #a0aec0;
  --shadow-xs: 0 1px 2px rgba(0,0,0,0.04);
  --shadow-sm: 0 1px 4px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 32px rgba(0,0,0,0.10);
  --shadow-xl: 0 16px 48px rgba(0,0,0,0.12);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-heading: 'Outfit', 'Plus Jakarta Sans', sans-serif;
  --nav-height: 76px;
  --container: 1200px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; transition: color 0.2s; }
ul, ol { list-style: none; }
h1, h2, h3, h4, h5, h6 { font-family: var(--font-heading); color: var(--text-dark); line-height: 1.25; font-weight: 700; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 90px 0; }
@media (max-width: 768px) { .section { padding: 60px 0; } }

/* ===== NAVIGATION ===== */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border-light);
  transition: box-shadow 0.3s, border-color 0.3s;
  height: var(--nav-height);
}
.site-header.scrolled {
  box-shadow: var(--shadow-md);
  border-bottom-color: transparent;
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  max-width: var(--container); margin: 0 auto; padding: 0 24px;
  height: var(--nav-height);
}
.nav-logo {
  display: flex; align-items: center; gap: 10px; flex-shrink: 0;
}
.nav-logo-mark {
  width: 42px; height: 42px; border-radius: 10px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-weight: 800; font-size: 16px;
  color: var(--white); letter-spacing: -0.5px;
}
.nav-logo-text {
  font-family: var(--font-heading); font-size: 21px; font-weight: 700;
  color: var(--primary);
}
.nav-logo-text span { color: var(--accent); }

/* NAV LINKS - Properly spaced */
.nav-menu {
  display: flex; align-items: center; gap: 6px;
}
.nav-menu a {
  padding: 8px 16px; border-radius: 8px;
  font-size: 14.5px; font-weight: 500; color: var(--text-body);
  transition: all 0.2s; white-space: nowrap;
  position: relative;
}
.nav-menu a:hover {
  color: var(--primary); background: var(--light-bg);
}
.nav-menu a.active {
  color: var(--primary); font-weight: 600;
  background: rgba(26,58,92,0.06);
}
.nav-right {
  display: flex; align-items: center; gap: 12px; flex-shrink: 0;
}
.nav-phone {
  display: flex; align-items: center; gap: 6px;
  font-size: 14px; font-weight: 600; color: var(--primary);
  padding: 8px 14px; border-radius: 8px;
  transition: background 0.2s;
}
.nav-phone:hover { background: var(--light-bg); }
.nav-phone svg { width: 16px; height: 16px; }
.nav-cta-btn {
  display: inline-flex; align-items: center; padding: 10px 22px;
  background: var(--accent); color: var(--white);
  font-size: 14px; font-weight: 600; border-radius: 8px;
  transition: all 0.25s; border: none; cursor: pointer;
}
.nav-cta-btn:hover { background: var(--accent-dark); transform: translateY(-1px); box-shadow: 0 4px 12px rgba(232,168,56,0.3); }

/* Hamburger */
.hamburger {
  display: none; background: none; border: none; cursor: pointer;
  padding: 8px; flex-direction: column; gap: 5px;
}
.hamburger span {
  width: 22px; height: 2px; background: var(--text-dark);
  border-radius: 2px; transition: all 0.3s;
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile Nav */
@media (max-width: 1024px) {
  .nav-menu {
    display: none; position: fixed; top: var(--nav-height); left: 0; right: 0; bottom: 0;
    background: var(--white); flex-direction: column; align-items: stretch;
    padding: 20px 24px; gap: 4px; overflow-y: auto;
    border-top: 1px solid var(--border);
  }
  .nav-menu.open { display: flex; }
  .nav-menu a { padding: 14px 16px; font-size: 16px; border-radius: 10px; }
  .hamburger { display: flex; }
  .nav-phone { display: none; }
  .nav-cta-btn { display: none; }
  .nav-right { gap: 8px; }
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 28px; border-radius: 10px; font-family: var(--font-body);
  font-weight: 600; font-size: 15px; border: none; cursor: pointer;
  transition: all 0.25s; text-align: center;
}
.btn-primary { background: var(--primary); color: var(--white); }
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-accent { background: var(--accent); color: var(--white); }
.btn-accent:hover { background: var(--accent-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(232,168,56,0.3); }
.btn-outline { background: transparent; border: 2px solid var(--border); color: var(--text-dark); }
.btn-outline:hover { border-color: var(--primary); color: var(--primary); }
.btn-outline-primary { background: transparent; border: 2px solid var(--primary); color: var(--primary); }
.btn-outline-primary:hover { background: var(--primary); color: var(--white); }
.btn-teal { background: var(--teal); color: var(--white); }
.btn-teal:hover { background: #0b8278; transform: translateY(-1px); }
.btn-lg { padding: 16px 36px; font-size: 16px; }
.btn-sm { padding: 9px 18px; font-size: 13.5px; }
.btn-white { background: var(--white); color: var(--primary); }
.btn-white:hover { background: var(--light-bg); }

/* ===== PAGE HERO (Inner Pages) ===== */
.page-hero {
  padding: 140px 0 70px; background: var(--light-bg);
  border-bottom: 1px solid var(--border-light);
}
.page-hero-inner { text-align: center; max-width: 700px; margin: 0 auto; }
.page-breadcrumb {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  font-size: 13.5px; color: var(--text-muted); margin-bottom: 16px;
}
.page-breadcrumb a { color: var(--text-muted); }
.page-breadcrumb a:hover { color: var(--primary); }
.page-breadcrumb .sep { color: var(--text-light); }
.page-hero h1 {
  font-size: clamp(1.8rem, 4vw, 2.6rem); color: var(--text-dark);
  margin-bottom: 16px; letter-spacing: -0.02em;
}
.page-hero p { font-size: 1.05rem; color: var(--text-muted); line-height: 1.7; }

/* ===== HOME HERO ===== */
.home-hero {
  padding: 120px 0 80px; background: linear-gradient(180deg, var(--light-bg) 0%, var(--white) 100%);
  position: relative; overflow: hidden;
}
.home-hero::before {
  content: ''; position: absolute; top: -200px; right: -200px;
  width: 600px; height: 600px; border-radius: 50%;
  background: radial-gradient(circle, rgba(26,58,92,0.04), transparent 70%);
}
.home-hero::after {
  content: ''; position: absolute; bottom: -100px; left: -100px;
  width: 400px; height: 400px; border-radius: 50%;
  background: radial-gradient(circle, rgba(232,168,56,0.05), transparent 70%);
}
.hero-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
  position: relative; z-index: 2;
}
@media (max-width: 968px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; text-align: center; }
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(26,58,92,0.06); border: 1px solid rgba(26,58,92,0.1);
  border-radius: 50px; padding: 7px 18px; margin-bottom: 24px;
}
.hero-badge-dot { width: 7px; height: 7px; background: var(--teal); border-radius: 50%; }
.hero-badge span { font-size: 13px; font-weight: 600; color: var(--primary); letter-spacing: 0.02em; }
.hero-content h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.2rem); color: var(--text-dark);
  margin-bottom: 20px; letter-spacing: -0.02em;
}
.hero-content h1 .highlight { color: var(--accent); }
.hero-content p {
  font-size: 1.05rem; color: var(--text-muted); margin-bottom: 32px;
  max-width: 500px; line-height: 1.75;
}
@media (max-width: 968px) { .hero-content p { margin: 0 auto 32px; } }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
@media (max-width: 968px) { .hero-btns { justify-content: center; } }

/* Hero Visual Card */
.hero-visual { position: relative; }
.hero-services-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 32px;
  box-shadow: var(--shadow-lg); border: 1px solid var(--border-light);
}
.hero-services-card h3 {
  font-size: 16px; color: var(--primary); margin-bottom: 20px;
  padding-bottom: 14px; border-bottom: 1px solid var(--border-light);
}
.hero-service-item {
  display: flex; align-items: center; gap: 14px; padding: 12px 0;
  border-bottom: 1px solid var(--border-light);
}
.hero-service-item:last-child { border: none; }
.hero-service-icon {
  width: 44px; height: 44px; border-radius: 10px; display: flex;
  align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0;
}
.hero-service-icon.edu { background: rgba(232,168,56,0.1); }
.hero-service-icon.home { background: rgba(13,148,136,0.1); }
.hero-service-icon.mort { background: rgba(26,58,92,0.08); }
.hero-service-label { font-size: 12px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; font-weight: 500; }
.hero-service-value { font-size: 14.5px; font-weight: 600; color: var(--text-dark); margin-top: 2px; }
.hero-float-badge {
  position: absolute; background: var(--white); border-radius: var(--radius-md);
  padding: 14px 20px; box-shadow: var(--shadow-lg); border: 1px solid var(--border-light);
}
.hero-float-badge.f1 { top: -10px; right: -16px; }
.hero-float-badge.f2 { bottom: 16px; left: -20px; }
.hero-float-num { font-family: var(--font-heading); font-size: 22px; font-weight: 800; color: var(--accent); line-height: 1; }
.hero-float-label { font-size: 11px; color: var(--text-muted); font-weight: 500; margin-top: 2px; }

/* ===== STATS BAR ===== */
.stats-bar {
  padding: 40px 0; background: var(--white);
  border-bottom: 1px solid var(--border-light);
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center;
}
@media (max-width: 768px) { .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; } }
.stat-item { padding: 16px 8px; }
.stat-number {
  font-family: var(--font-heading); font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 800; color: var(--primary); line-height: 1;
}
.stat-number .accent { color: var(--accent); }
.stat-label { font-size: 13.5px; color: var(--text-muted); margin-top: 6px; font-weight: 500; }

/* ===== SECTION HEADERS ===== */
.sec-header { text-align: center; margin-bottom: 56px; }
.sec-tag {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.08em; color: var(--accent); margin-bottom: 14px;
}
.sec-tag::before, .sec-tag::after {
  content: ''; width: 20px; height: 1.5px; background: var(--accent);
}
.sec-header h2 {
  font-size: clamp(1.6rem, 3vw, 2.3rem); color: var(--text-dark);
  margin-bottom: 14px; letter-spacing: -0.01em;
}
.sec-header p { color: var(--text-muted); font-size: 1rem; max-width: 600px; margin: 0 auto; line-height: 1.7; }

/* ===== SERVICE CARDS ===== */
.services-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
@media (max-width: 968px) { .services-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; } }
.service-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 36px 28px;
  border: 1px solid var(--border); transition: all 0.3s;
}
.service-card:hover { border-color: var(--accent); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.service-card-icon {
  width: 56px; height: 56px; border-radius: 14px; display: flex;
  align-items: center; justify-content: center; font-size: 26px; margin-bottom: 20px;
}
.service-card-icon.edu { background: rgba(232,168,56,0.1); }
.service-card-icon.home { background: rgba(13,148,136,0.1); }
.service-card-icon.mort { background: rgba(26,58,92,0.06); }
.service-card h3 { font-size: 1.2rem; margin-bottom: 12px; }
.service-card p { font-size: 0.92rem; color: var(--text-muted); margin-bottom: 18px; line-height: 1.7; }
.service-card ul { display: flex; flex-direction: column; gap: 8px; margin-bottom: 22px; }
.service-card ul li {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.88rem; color: var(--text-body);
}
.service-card ul li::before {
  content: ''; width: 5px; height: 5px; border-radius: 50%;
  background: var(--accent); flex-shrink: 0;
}
.service-card .card-link {
  font-size: 0.88rem; font-weight: 600; color: var(--primary);
  display: inline-flex; align-items: center; gap: 6px; transition: gap 0.3s;
}
.service-card .card-link:hover { gap: 10px; color: var(--accent); }

/* ===== CONTENT SECTIONS (Loan pages) ===== */
.content-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center;
}
@media (max-width: 968px) { .content-grid { grid-template-columns: 1fr; gap: 36px; } }
.content-visual {
  border-radius: var(--radius-lg); overflow: hidden; position: relative;
  aspect-ratio: 4/3; background: var(--light-bg);
  display: flex; align-items: center; justify-content: center;
  border: 1px solid var(--border);
}
.content-visual .big-stat {
  text-align: center; padding: 30px;
}
.content-visual .big-stat .num {
  font-family: var(--font-heading); font-size: clamp(2.5rem, 5vw, 3.5rem);
  font-weight: 800; color: var(--primary); line-height: 1;
}
.content-visual .big-stat .label {
  font-size: 0.95rem; color: var(--text-muted); margin-top: 8px;
}
.content-visual .badge-overlay {
  position: absolute; bottom: 16px; left: 16px; right: 16px;
  background: var(--white); border-radius: var(--radius-md); padding: 16px 20px;
  box-shadow: var(--shadow-md); display: flex; align-items: center; gap: 12px;
}
.badge-overlay-icon {
  width: 40px; height: 40px; border-radius: 10px; display: flex;
  align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0;
  background: rgba(232,168,56,0.1);
}
.badge-overlay-text { font-weight: 600; font-size: 13.5px; color: var(--text-dark); }
.badge-overlay-sub { font-size: 12px; color: var(--text-muted); font-weight: 400; }

.content-section .sec-tag { justify-content: flex-start; }
.content-section .sec-tag::before { display: none; }
.content-section h2 {
  font-size: clamp(1.5rem, 2.8vw, 2rem); margin-bottom: 16px;
}
.content-section > p { color: var(--text-muted); margin-bottom: 24px; line-height: 1.75; }
.content-section strong { color: var(--text-dark); }

.highlight-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 28px;
}
@media (max-width: 480px) { .highlight-grid { grid-template-columns: 1fr; } }
.highlight-item {
  display: flex; align-items: flex-start; gap: 12px;
  background: var(--lighter-bg); border: 1px solid var(--border-light);
  border-radius: var(--radius-sm); padding: 16px;
}
.highlight-icon {
  width: 36px; height: 36px; border-radius: 8px; display: flex;
  align-items: center; justify-content: center; font-size: 16px; flex-shrink: 0;
  background: var(--white); border: 1px solid var(--border);
}
.highlight-item h4 { font-family: var(--font-body); font-size: 0.85rem; font-weight: 600; color: var(--text-dark); margin-bottom: 2px; }
.highlight-item p { font-size: 0.78rem; color: var(--text-muted); line-height: 1.4; }

/* ===== PROCESS STEPS ===== */
.process-section { background: var(--light-bg); }
.process-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
@media (max-width: 968px) { .process-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .process-grid { grid-template-columns: 1fr; } }
.process-step {
  text-align: center; padding: 32px 20px;
  background: var(--white); border-radius: var(--radius-md);
  border: 1px solid var(--border-light); transition: all 0.3s;
}
.process-step:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.process-num {
  font-family: var(--font-heading); font-size: 2.5rem; font-weight: 800;
  color: rgba(232,168,56,0.2); line-height: 1; margin-bottom: 12px;
}
.process-icon {
  width: 52px; height: 52px; border-radius: 14px; margin: 0 auto 16px;
  background: var(--light-bg); display: flex; align-items: center;
  justify-content: center; font-size: 22px;
}
.process-step h3 { font-size: 1rem; margin-bottom: 8px; }
.process-step p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.6; }

/* ===== WHY CHOOSE / FEATURES GRID ===== */
.features-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
@media (max-width: 968px) { .features-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; } }
.feature-card {
  background: var(--white); border-radius: var(--radius-md); padding: 28px;
  border: 1px solid var(--border); transition: all 0.3s;
}
.feature-card:hover { box-shadow: var(--shadow-sm); border-color: var(--accent); }
.feature-icon {
  width: 48px; height: 48px; border-radius: 12px; display: flex;
  align-items: center; justify-content: center; font-size: 22px;
  margin-bottom: 16px; background: var(--light-bg);
}
.feature-card h3 { font-size: 1rem; margin-bottom: 8px; }
.feature-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.65; }

/* ===== FOUNDER SECTION ===== */
.founder-section { background: var(--light-bg); }
.founder-grid {
  display: grid; grid-template-columns: 300px 1fr; gap: 56px; align-items: center;
}
@media (max-width: 968px) { .founder-grid { grid-template-columns: 1fr; gap: 36px; } }
.founder-img-wrap { position: relative; }
.founder-img {
  width: 100%; aspect-ratio: 3/4; border-radius: var(--radius-lg);
  background: var(--primary); display: flex; align-items: center;
  justify-content: center; overflow: hidden;
}
.founder-img .initials {
  font-family: var(--font-heading); font-size: 4rem; font-weight: 800;
  color: rgba(255,255,255,0.15);
}
.founder-exp-badge {
  position: absolute; bottom: 16px; left: 16px; right: 16px;
  background: var(--white); border-radius: var(--radius-md); padding: 16px 20px;
  box-shadow: var(--shadow-md); display: flex; align-items: center; gap: 14px;
}
.founder-exp-num { font-family: var(--font-heading); font-size: 2rem; font-weight: 800; color: var(--accent); line-height: 1; }
.founder-exp-text { font-size: 0.82rem; color: var(--text-muted); line-height: 1.4; }
.founder-quote {
  background: var(--white); border-radius: var(--radius-md); padding: 28px;
  border-left: 4px solid var(--accent); margin-bottom: 24px;
  box-shadow: var(--shadow-xs);
}
.founder-quote p { font-style: italic; color: var(--text-body); line-height: 1.8; font-size: 0.95rem; }
.founder-name { font-family: var(--font-heading); font-size: 1.15rem; color: var(--text-dark); font-weight: 700; }
.founder-role { color: var(--accent); font-size: 0.88rem; font-weight: 500; margin-top: 4px; }

/* ===== CTA BANNER ===== */
.cta-banner {
  background: var(--primary); color: var(--white); padding: 64px 0;
  text-align: center; position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; top: -100px; right: -100px;
  width: 300px; height: 300px; border-radius: 50%;
  background: rgba(232,168,56,0.08);
}
.cta-banner h2 { font-size: clamp(1.5rem, 3vw, 2rem); color: var(--white); margin-bottom: 12px; position: relative; }
.cta-banner p { color: rgba(255,255,255,0.7); margin-bottom: 28px; font-size: 1rem; position: relative; }
.cta-banner .btn { position: relative; }

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
@media (max-width: 968px) { .testimonials-grid { grid-template-columns: 1fr; max-width: 500px; margin: 0 auto; } }
.testimonial-card {
  background: var(--white); border-radius: var(--radius-md); padding: 28px;
  border: 1px solid var(--border); transition: all 0.3s;
}
.testimonial-card:hover { box-shadow: var(--shadow-sm); }
.testimonial-stars { color: var(--accent); font-size: 15px; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-card blockquote { font-size: 0.9rem; color: var(--text-body); line-height: 1.7; margin-bottom: 18px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 40px; height: 40px; border-radius: 50%; background: var(--primary);
  display: flex; align-items: center; justify-content: center;
  color: var(--accent); font-family: var(--font-heading); font-weight: 700; font-size: 14px;
}
.testimonial-name { font-weight: 600; font-size: 0.88rem; color: var(--text-dark); }
.testimonial-detail { font-size: 0.78rem; color: var(--text-muted); }

/* ===== FAQ ===== */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  background: var(--white); border-radius: var(--radius-md); margin-bottom: 10px;
  border: 1px solid var(--border); overflow: hidden; transition: box-shadow 0.3s;
}
.faq-item:hover { box-shadow: var(--shadow-xs); }
.faq-item.open { border-color: var(--accent); }
.faq-q {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px; cursor: pointer; gap: 16px;
}
.faq-q h3 { font-family: var(--font-body); font-size: 0.95rem; font-weight: 600; color: var(--text-dark); line-height: 1.4; }
.faq-toggle {
  width: 28px; height: 28px; border-radius: 50%; background: var(--light-bg);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  transition: all 0.3s;
}
.faq-item.open .faq-toggle { background: var(--accent); transform: rotate(180deg); }
.faq-toggle svg { width: 12px; height: 12px; color: var(--text-muted); }
.faq-item.open .faq-toggle svg { color: var(--white); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1); }
.faq-a-inner { padding: 0 24px 20px; color: var(--text-muted); font-size: 0.9rem; line-height: 1.75; }

/* ===== FORMS ===== */
.form-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 36px;
  border: 1px solid var(--border); box-shadow: var(--shadow-sm);
}
.form-card h3 { font-size: 1.25rem; margin-bottom: 24px; color: var(--text-dark); }
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block; font-size: 0.85rem; font-weight: 600; color: var(--text-body);
  margin-bottom: 8px;
}
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px; border-radius: var(--radius-sm);
  border: 1px solid var(--border); background: var(--white);
  font-family: var(--font-body); font-size: 0.92rem; color: var(--text-dark);
  outline: none; transition: border-color 0.2s, box-shadow 0.2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,58,92,0.08);
}
.form-group input::placeholder, .form-group textarea::placeholder { color: var(--text-light); }
.form-group select { cursor: pointer; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 480px) { .form-row { grid-template-columns: 1fr; } }

/* ===== CALCULATOR ===== */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 968px) { .calc-grid { grid-template-columns: 1fr; } }
.calc-slider-group { margin-bottom: 28px; }
.calc-slider-group label { display: flex; justify-content: space-between; font-weight: 600; font-size: 0.9rem; color: var(--text-dark); margin-bottom: 12px; }
.calc-slider-group label span { color: var(--accent); font-family: var(--font-heading); font-size: 1.1rem; }
.calc-slider-group input[type=range] {
  width: 100%; -webkit-appearance: none; height: 6px; border-radius: 3px;
  background: var(--border); outline: none;
}
.calc-slider-group input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--accent); cursor: pointer; box-shadow: 0 2px 8px rgba(232,168,56,0.3);
}
.calc-range-labels { display: flex; justify-content: space-between; font-size: 0.78rem; color: var(--text-light); margin-top: 6px; }
.calc-result-card {
  background: var(--primary); border-radius: var(--radius-lg); padding: 40px;
  color: var(--white); text-align: center;
}
.calc-result-card h3 { color: var(--white); font-size: 1.2rem; margin-bottom: 8px; }
.calc-emi-amount {
  font-family: var(--font-heading); font-size: clamp(2.2rem, 4vw, 3rem);
  font-weight: 800; color: var(--accent); margin: 16px 0;
}
.calc-breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 24px; }
.calc-bd-item {
  background: rgba(255,255,255,0.08); border-radius: var(--radius-sm); padding: 16px; text-align: center;
}
.calc-bd-label { font-size: 0.75rem; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.05em; }
.calc-bd-value { font-family: var(--font-heading); font-size: 1.15rem; font-weight: 700; color: var(--white); margin-top: 4px; }

/* ===== CONTACT PAGE ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; }
@media (max-width: 968px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-info-list { display: flex; flex-direction: column; gap: 24px; }
.contact-info-card {
  display: flex; gap: 16px; align-items: flex-start;
}
.contact-info-icon {
  width: 48px; height: 48px; border-radius: 12px; background: var(--light-bg);
  display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0;
}
.contact-info-card h4 { font-family: var(--font-body); font-size: 0.8rem; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 4px; }
.contact-info-card p, .contact-info-card a { color: var(--text-dark); font-size: 0.92rem; font-weight: 500; line-height: 1.5; }
.contact-info-card a:hover { color: var(--accent); }
.social-links { display: flex; gap: 10px; margin-top: 8px; }
.social-links a {
  width: 42px; height: 42px; border-radius: 10px; background: var(--light-bg);
  border: 1px solid var(--border); display: flex; align-items: center;
  justify-content: center; transition: all 0.3s;
}
.social-links a:hover { background: var(--primary); border-color: var(--primary); }
.social-links a:hover svg { fill: var(--white); }
.social-links svg { width: 18px; height: 18px; fill: var(--text-muted); transition: fill 0.3s; }

/* ===== FOOTER ===== */
.site-footer { background: var(--primary); color: var(--white); padding: 72px 0 0; }
.footer-grid {
  display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px;
  padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.08);
}
@media (max-width: 968px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand p { color: rgba(255,255,255,0.5); font-size: 0.88rem; line-height: 1.7; margin-top: 14px; max-width: 280px; }
.footer-col h4 {
  font-family: var(--font-body); font-size: 0.8rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.08em; color: var(--accent);
  margin-bottom: 18px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul a { color: rgba(255,255,255,0.55); font-size: 0.88rem; transition: color 0.2s; }
.footer-col ul a:hover { color: var(--accent); }
.footer-bottom {
  display: flex; align-items: center; justify-content: space-between;
  padding: 24px 0; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { color: rgba(255,255,255,0.35); font-size: 0.8rem; }
.footer-bottom a { color: var(--accent); font-size: 0.8rem; }

/* Safety Banner */
.safety-bar {
  background: var(--light-bg); padding: 20px 0; text-align: center;
  border-top: 1px solid var(--border-light);
}
.safety-bar p { font-size: 0.82rem; color: var(--text-muted); }
.safety-bar strong { color: var(--primary); }

/* ===== FLOATING ELEMENTS ===== */
.whatsapp-float {
  position: fixed; bottom: 24px; left: 24px; width: 54px; height: 54px;
  border-radius: 50%; background: #25d366; display: flex; align-items: center;
  justify-content: center; z-index: 999; box-shadow: 0 4px 16px rgba(37,211,102,0.3);
  transition: transform 0.3s;
}
.whatsapp-float:hover { transform: scale(1.08); }
.whatsapp-float svg { width: 26px; height: 26px; fill: white; }
.scroll-top-btn {
  position: fixed; bottom: 24px; right: 24px; width: 44px; height: 44px;
  border-radius: 50%; background: var(--primary); color: var(--white);
  display: flex; align-items: center; justify-content: center; cursor: pointer;
  opacity: 0; visibility: hidden; transition: all 0.3s; z-index: 999;
  border: none; box-shadow: var(--shadow-md);
}
.scroll-top-btn.visible { opacity: 1; visibility: visible; }
.scroll-top-btn:hover { background: var(--primary-dark); transform: translateY(-2px); }
.scroll-top-btn svg { width: 18px; height: 18px; }

/* ===== ANIMATIONS ===== */
.fade-in { opacity: 0; transform: translateY(24px); transition: all 0.6s cubic-bezier(0.4,0,0.2,1); }
.fade-in.visible { opacity: 1; transform: translateY(0); }
.fade-in-d1 { transition-delay: 0.1s; }
.fade-in-d2 { transition-delay: 0.2s; }
.fade-in-d3 { transition-delay: 0.3s; }
.fade-in-d4 { transition-delay: 0.4s; }

/* ===== BANK PARTNERS SECTION ===== */
.partners-section { padding: 48px 0; background: var(--white); border-bottom: 1px solid var(--border-light); }
.partners-label { text-align: center; font-size: 12.5px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: var(--text-light); margin-bottom: 28px; }
.partners-grid {
  display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 32px 48px;
}
.partner-item {
  display: flex; align-items: center; justify-content: center;
  padding: 12px 20px; border-radius: 8px;
  font-family: var(--font-heading); font-weight: 700; font-size: 15px;
  color: var(--text-muted); opacity: 0.5; transition: all 0.3s;
  border: 1px solid transparent;
}
.partner-item:hover { opacity: 1; color: var(--primary); border-color: var(--border); background: var(--lighter-bg); }

/* ===== TRUST BADGES ===== */
.trust-badges {
  display: flex; align-items: center; justify-content: center; gap: 32px;
  padding: 32px 0; flex-wrap: wrap;
}
.trust-badge {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.88rem; font-weight: 600; color: var(--text-body);
}
.trust-badge-icon {
  width: 36px; height: 36px; border-radius: 8px; background: var(--light-bg);
  display: flex; align-items: center; justify-content: center; font-size: 16px;
}

/* ===== ENHANCED HOVER EFFECTS ===== */
.service-card::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--accent-light));
  transform: scaleX(0); transition: transform 0.3s; transform-origin: left;
}
.service-card { position: relative; overflow: hidden; }
.service-card:hover::after { transform: scaleX(1); }

.feature-card { position: relative; overflow: hidden; }
.feature-card::before {
  content: ''; position: absolute; top: 0; left: 0; width: 4px; height: 0;
  background: var(--accent); transition: height 0.3s;
}
.feature-card:hover::before { height: 100%; }

.process-step { position: relative; }
.process-step::after {
  content: ''; position: absolute; bottom: 0; left: 50%; transform: translateX(-50%);
  width: 0; height: 3px; background: var(--accent); transition: width 0.3s; border-radius: 2px;
}
.process-step:hover::after { width: 60%; }

/* ===== IMPROVED FORM STYLES ===== */
.form-card { position: relative; }
.form-card::before {
  content: ''; position: absolute; top: -1px; left: 24px; right: 24px; height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--primary));
  border-radius: 0 0 4px 4px;
}

/* ===== ENHANCED CTA BANNER ===== */
.cta-banner::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--accent), var(--accent-light), var(--accent));
}

/* ===== PAGE TRANSITION ===== */
body { animation: fadeInPage 0.4s ease-out; }
@keyframes fadeInPage { from { opacity: 0; } to { opacity: 1; } }

/* ===== IMPROVED MOBILE MENU ===== */
@media (max-width: 1024px) {
  .nav-menu { animation: slideDown 0.3s ease-out; }
  @keyframes slideDown { from { opacity: 0; transform: translateY(-10px); } to { opacity: 1; transform: translateY(0); } }
}

/* ===== ENHANCED STATS ===== */
.stat-item { position: relative; }
.stat-item::after {
  content: ''; position: absolute; right: 0; top: 20%; height: 60%; width: 1px;
  background: var(--border);
}
.stat-item:last-child::after { display: none; }
@media (max-width: 768px) {
  .stat-item:nth-child(2n)::after { display: none; }
}

/* ===== IMPROVED BUTTON SHADOWS ===== */
.btn-accent { box-shadow: 0 2px 8px rgba(232,168,56,0.2); }
.btn-primary { box-shadow: 0 2px 8px rgba(26,58,92,0.15); }
.btn-teal { box-shadow: 0 2px 8px rgba(13,148,136,0.2); }

/* ===== LOAN TYPE TAGS ===== */
.loan-tag {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 14px; border-radius: 50px; font-size: 12px; font-weight: 600;
  background: var(--light-bg); color: var(--text-body); border: 1px solid var(--border);
}
.loan-tag.active { background: var(--accent); color: var(--white); border-color: var(--accent); }

/* ===== COMPARISON TABLE ===== */
.comparison-table {
  width: 100%; border-collapse: collapse; margin: 24px 0;
  border-radius: var(--radius-md); overflow: hidden; box-shadow: var(--shadow-sm);
}
.comparison-table th {
  background: var(--primary); color: var(--white); padding: 14px 18px;
  text-align: left; font-size: 0.88rem; font-weight: 600;
}
.comparison-table td {
  padding: 14px 18px; border-bottom: 1px solid var(--border-light);
  font-size: 0.88rem; color: var(--text-body);
}
.comparison-table tr:nth-child(even) td { background: var(--lighter-bg); }
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:hover td { background: rgba(232,168,56,0.05); }

/* ===== INFO BOX ===== */
.info-box {
  background: linear-gradient(135deg, rgba(232,168,56,0.05), rgba(26,58,92,0.03));
  border: 1px solid rgba(232,168,56,0.2); border-radius: var(--radius-md);
  padding: 24px; margin: 24px 0;
}
.info-box h4 { color: var(--accent); font-size: 0.95rem; margin-bottom: 8px; display: flex; align-items: center; gap: 8px; }
.info-box p { font-size: 0.88rem; color: var(--text-body); line-height: 1.7; }

/* ===== FEATURE STATS ===== */
.feature-stats {
  display: flex; flex-direction: column; gap: 8px;
  margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--border-light);
}
.feature-stat {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.85rem;
}
.feature-stat strong {
  color: var(--text-muted); font-weight: 500;
}
.feature-stat div:last-child {
  color: var(--primary); font-weight: 600;
}

/* ===== ELIGIBILITY PAGE SPECIFIC ===== */
.elig-layout { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: start; }
@media (max-width: 968px) { .elig-layout { grid-template-columns: 1fr; } }
.elig-features-list { display: flex; flex-direction: column; gap: 16px; margin-top: 28px; }
.elig-feat {
  display: flex; align-items: center; gap: 14px;
  background: var(--lighter-bg); border-radius: var(--radius-sm); padding: 16px;
  border: 1px solid var(--border-light);
}
.elig-feat-icon {
  width: 40px; height: 40px; border-radius: 10px; background: var(--white);
  border: 1px solid var(--border); display: flex; align-items: center;
  justify-content: center; font-size: 18px; flex-shrink: 0;
}
.elig-feat span { font-size: 0.92rem; color: var(--text-body); }

/* ===== SAFETY PAGE ===== */
.safety-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
@media (max-width: 768px) { .safety-cards { grid-template-columns: 1fr; } }
.safety-card {
  background: var(--white); border-radius: var(--radius-md); padding: 32px;
  border: 1px solid var(--border);
}
.safety-card h3 { font-size: 1.1rem; margin-bottom: 12px; display: flex; align-items: center; gap: 10px; }
.safety-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }
.safety-card ul { margin-top: 12px; }
.safety-card ul li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.88rem; color: var(--text-body); margin-bottom: 8px; }
.safety-card ul li::before { content: '\2713'; color: var(--teal); font-weight: 700; flex-shrink: 0; }