/* ===== CSS VARIABLES ===== */
:root {
    --primary-blue: #0a1f44;
    --primary-dark: #061226;
    --accent-orange: #f47920;
    --accent-orange-hover: #e06815;
    --accent-gold: #ffc107;
    --white: #ffffff;
    --gray-100: #f8f9fa;
    --gray-200: #e9ecef;
    --gray-300: #dee2e6;
    --gray-500: #6c757d;
    --gray-700: #495057;
    --gray-900: #212529;
    --success: #28a745;
    --shadow-sm: 0 2px 10px rgba(0, 0, 0, 0.08);
    --shadow-md: 0 4px 20px rgba(0, 0, 0, 0.12);
    --shadow-lg: 0 8px 40px rgba(0, 0, 0, 0.15);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --transition: all 0.3s ease;
}

/* ===== RESET & BASE ===== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Poppins', sans-serif;
    line-height: 1.6;
    color: var(--gray-900);
    background: var(--white);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

a {
    text-decoration: none;
    color: inherit;
}

ul {
    list-style: none;
}

/* ===== HEADER ===== */
.header {
    padding: 15px 0;

    width: 100%;
    top: 0;
    z-index: 1000;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--white);
}

.logo-icon {
    font-size: 28px;
    background: linear-gradient(135deg, var(--accent-orange), var(--accent-gold));
    padding: 8px;
    border-radius: var(--radius-sm);
}

.logo-text {
    font-size: 12px;
    line-height: 1.3;
    letter-spacing: 1px;
}

.logo-text strong {
    font-size: 14px;
    font-weight: 700;
}

.logo-img {
    height: 60px;
    width: auto;
    object-fit: contain;
}

.nav-menu {
    display: flex;
    gap: 30px;
    align-items: center;
}

.nav-menu a {
    color: var(--white);
    font-size: 14px;
    font-weight: 500;
    transition: var(--transition);
}

.nav-menu a:hover {
    color: var(--accent-orange);
}

.phone-link {
    background: var(--accent-orange);
    padding: 8px 16px;
    border-radius: 50px;
    font-weight: 600;
}

.phone-link:hover {
    background: var(--accent-orange-hover);
    color: var(--white) !important;
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    color: var(--white);
    font-size: 24px;
    cursor: pointer;
}

.mobile-nav {
    display: none;
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--primary-blue);
    padding: 20px;
    flex-direction: column;
    gap: 15px;
    z-index: 999;
}

.mobile-nav.active {
    display: flex;
}

.mobile-nav a {
    color: var(--white);
    padding: 10px;
    border-radius: var(--radius-sm);
    transition: var(--transition);
}

.mobile-nav a:hover {
    background: rgba(255, 255, 255, 0.1);
}

/* ===== HERO SECTION ===== */
.hero {
    background: linear-gradient(135deg, var(--gray-100) 0%, var(--gray-200) 100%);
    padding: 120px 0 60px;
    min-height: 100vh;
}

.hero-content {
    margin-top: -65px;
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 40px;
    align-items: start;
}

/* Form Section */
.hero-form-section {
    position: relative;
}

.form-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 30px;
    box-shadow: var(--shadow-lg);
    border-left: 4px solid var(--primary-blue);
}

.form-title {
    color: var(--primary-blue);
    font-size: 24px;
    font-weight: 700;
    margin-bottom: 5px;
}

.form-subtitle {
    color: var(--gray-500);
    font-size: 14px;
    margin-bottom: 25px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--gray-200);
}

.loan-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

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

.form-group label {
    font-size: 14px;
    font-weight: 600;
    color: var(--gray-900);
}

.form-group input,
.form-group select {
    padding: 14px 16px;
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 14px;
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 3px rgba(10, 31, 68, 0.1);
}

.form-group input::placeholder {
    color: var(--gray-500);
    font-size: 12px;
}

/* Radio Group */
.radio-group {
    display: flex;
    flex-wrap: wrap;
    gap: 15px;
    margin-top: 5px;
}

.radio-label {
    display: flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    font-size: 13px;
    color: var(--gray-700);
}

.radio-label input[type="radio"] {
    display: none;
}

.radio-custom {
    width: 18px;
    height: 18px;
    border: 2px solid var(--gray-300);
    border-radius: 50%;
    position: relative;
    transition: var(--transition);
}

.radio-label input[type="radio"]:checked+.radio-custom {
    border-color: var(--primary-blue);
}

.radio-label input[type="radio"]:checked+.radio-custom::after {
    content: '';
    position: absolute;
    width: 10px;
    height: 10px;
    background: var(--primary-blue);
    border-radius: 50%;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
}

/* Checkbox / Consent */
.consent-group {
    margin-top: 10px;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 12px;
    color: var(--gray-500);
    line-height: 1.5;
    cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
    display: none;
}

.checkbox-custom {
    width: 18px;
    height: 18px;
    min-width: 18px;
    border: 2px solid var(--primary-blue);
    border-radius: 4px;
    position: relative;
    transition: var(--transition);
    margin-top: 2px;
}

.checkbox-label input[type="checkbox"]:checked+.checkbox-custom {
    background: var(--primary-blue);
}

.checkbox-label input[type="checkbox"]:checked+.checkbox-custom::after {
    content: '✓';
    position: absolute;
    color: var(--white);
    font-size: 12px;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
}

.terms-link {
    color: var(--primary-blue);
    font-weight: 500;
}

.terms-link:hover {
    color: var(--accent-orange);
}

/* Submit Button */
.submit-btn {
    background: linear-gradient(135deg, var(--accent-orange), var(--accent-orange-hover));
    color: var(--white);
    border: none;
    padding: 16px 40px;
    border-radius: 50px;
    font-family: inherit;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    margin-top: 10px;
    box-shadow: 0 4px 15px rgba(244, 121, 32, 0.4);
}

.submit-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 25px rgba(244, 121, 32, 0.5);
}

/* Hero Image Section */
.hero-image-section {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.hero-text h2 {
    font-size: 42px;
    color: var(--primary-blue);
    margin-bottom: 10px;
}

.hero-text .highlight {
    color: var(--accent-orange);
}

.hero-text p {
    color: var(--gray-500);
    font-size: 16px;
}

.hero-visual {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
    padding: 20px;
}

.hero-image {
    max-width: 100%;
    height: auto;
    max-height: 350px;
    object-fit: contain;
    filter: drop-shadow(0 20px 40px rgba(0, 0, 0, 0.15));
}


@keyframes floatImage {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-15px);
    }
}

/* Tracker Card */
.tracker-card {
    background: var(--primary-blue);
    border-radius: var(--radius-md);
    padding: 20px;
    color: var(--white);
}

.tracker-header {
    font-size: 14px;
    font-weight: 600;
    margin-bottom: 15px;
    opacity: 0.9;
}

.tracker-steps {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.tracker-step {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 13px;
    opacity: 0.6;
}

.tracker-step.active {
    opacity: 1;
}

.step-dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.3);
    position: relative;
}

.tracker-step.active .step-dot {
    background: var(--accent-orange);
    box-shadow: 0 0 0 4px rgba(244, 121, 32, 0.3);
}

/* Promo Card */
.promo-card {
    background: linear-gradient(135deg, var(--accent-gold), var(--accent-orange));
    border-radius: var(--radius-md);
    padding: 20px;
    display: flex;
    align-items: center;
    gap: 15px;
    color: var(--white);
}

.promo-badge {
    background: var(--primary-blue);
    padding: 8px 12px;
    border-radius: var(--radius-sm);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1px;
}

.promo-content h4 {
    font-size: 16px;
    font-weight: 600;
}

.promo-amount {
    font-size: 20px;
    font-weight: 700;
}

.promo-tag {
    font-size: 12px;
    opacity: 0.9;
}

/* ===== FEATURES SECTION ===== */
.features {
    padding: 80px 0;
    background: var(--white);
}

.section-header {
    text-align: center;
    margin-bottom: 50px;
}

.section-header h2 {
    font-size: 32px;
    color: var(--primary-blue);
    margin-bottom: 10px;
}

.section-header p {
    color: var(--gray-500);
    font-size: 16px;
}

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

.feature-card {
    background: var(--gray-100);
    border-radius: var(--radius-md);
    padding: 30px;
    text-align: center;
    transition: var(--transition);
    border: 2px solid transparent;
}

.feature-card:hover {
    transform: translateY(-5px);
    border-color: var(--primary-blue);
    box-shadow: var(--shadow-md);
}

.feature-icon {
    font-size: 40px;
    margin-bottom: 15px;
}

.feature-card h3 {
    font-size: 18px;
    color: var(--primary-blue);
    margin-bottom: 10px;
}

.feature-card p {
    color: var(--gray-500);
    font-size: 14px;
}

/* ===== STATS SECTION ===== */
.stats {
    background: var(--primary-blue);
    padding: 60px 0;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    text-align: center;
}

.stat-item {
    color: var(--white);
}

.stat-number {
    font-size: 48px;
    font-weight: 700;
    color: var(--accent-orange);
    margin-bottom: 10px;
}

.stat-number::after {
    content: '+';
}

.stat-label {
    font-size: 14px;
    opacity: 0.9;
}

/* ===== WHY US / STEPS SECTION ===== */
.why-us {
    padding: 80px 0;
    background: var(--gray-100);
}

.steps-container {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    flex-wrap: wrap;
}

.step-card {
    background: var(--white);
    border-radius: var(--radius-md);
    padding: 30px;
    text-align: center;
    width: 220px;
    position: relative;
    transition: var(--transition);
}

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

.step-number {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-dark));
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 700;
    margin: 0 auto 15px;
}

.step-card h3 {
    font-size: 16px;
    color: var(--primary-blue);
    margin-bottom: 10px;
}

.step-card p {
    font-size: 13px;
    color: var(--gray-500);
}

.step-connector {
    width: 40px;
    height: 3px;
    background: linear-gradient(90deg, var(--primary-blue), var(--accent-orange));
    border-radius: 2px;
}

/* ===== ELIGIBILITY SECTION ===== */
.eligibility {
    padding: 80px 0;
    background: var(--white);
}

.eligibility-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    align-items: center;
}

.eligibility-info h2 {
    font-size: 32px;
    color: var(--primary-blue);
    margin-bottom: 15px;
}

.eligibility-info>p {
    color: var(--gray-500);
    margin-bottom: 25px;
}

.eligibility-list {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 30px;
}

.eligibility-list li {
    font-size: 15px;
    color: var(--gray-700);
    display: flex;
    align-items: center;
    gap: 10px;
}

.eligibility-list li::before {
    display: none;
}

.cta-btn {
    display: inline-block;
    background: linear-gradient(135deg, var(--accent-orange), var(--accent-orange-hover));
    color: var(--white);
    padding: 14px 30px;
    border-radius: 50px;
    font-weight: 600;
    transition: var(--transition);
    box-shadow: 0 4px 15px rgba(244, 121, 32, 0.4);
}

.cta-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 25px rgba(244, 121, 32, 0.5);
}

.eligibility-visual {
    display: flex;
    justify-content: center;
    align-items: center;
}

.calculator-illustration {
    background: linear-gradient(135deg, var(--gray-100), var(--gray-200));
    border-radius: var(--radius-lg);
    padding: 60px;
    text-align: center;
    box-shadow: var(--shadow-md);
}

.calc-icon {
    font-size: 80px;
    margin-bottom: 15px;
}

.calc-text {
    font-size: 18px;
    font-weight: 600;
    color: var(--primary-blue);
}

/* ===== FAQ SECTION ===== */
.faq {
    padding: 80px 0;
    background: var(--gray-100);
}

.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius-md);
    margin-bottom: 15px;
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.faq-question {
    width: 100%;
    padding: 20px 25px;
    background: none;
    border: none;
    text-align: left;
    font-family: inherit;
    font-size: 15px;
    font-weight: 600;
    color: var(--primary-blue);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition);
}

.faq-question:hover {
    background: var(--gray-100);
}

.faq-icon {
    font-size: 24px;
    color: var(--accent-orange);
    transition: var(--transition);
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

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

.faq-item.active .faq-answer {
    max-height: 200px;
}

.faq-answer p {
    padding: 0 25px 20px;
    color: var(--gray-500);
    font-size: 14px;
    line-height: 1.7;
}

/* ===== CTA SECTION ===== */
.cta-section {
    background: linear-gradient(135deg, var(--primary-blue), var(--primary-dark));
    padding: 80px 0;
    text-align: center;
}

.cta-content h2 {
    font-size: 36px;
    color: var(--white);
    margin-bottom: 15px;
}

.cta-content p {
    color: rgba(255, 255, 255, 0.8);
    font-size: 18px;
    margin-bottom: 30px;
}

.cta-btn-white {
    display: inline-block;
    background: var(--white);
    color: var(--primary-blue);
    padding: 16px 40px;
    border-radius: 50px;
    font-weight: 600;
    font-size: 16px;
    transition: var(--transition);
    box-shadow: var(--shadow-md);
}

.cta-btn-white:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
    background: var(--accent-orange);
    color: var(--white);
}

/* ===== FOOTER ===== */
.footer {
    background: var(--gray-900);
    padding: 60px 0 20px;
    color: var(--gray-300);
}

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

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 20px;
}

.footer-logo .logo-icon {
    font-size: 24px;
}

.footer-logo .logo-text {
    color: var(--white);
}

.footer-col p {
    font-size: 14px;
    line-height: 1.7;
    opacity: 0.8;
}

.footer-col h4 {
    color: var(--white);
    font-size: 16px;
    margin-bottom: 20px;
}

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

.footer-col ul li a {
    font-size: 14px;
    opacity: 0.8;
    transition: var(--transition);
}

.footer-col ul li a:hover {
    opacity: 1;
    color: var(--accent-orange);
}

.contact-info li {
    display: flex;
    align-items: center;
    gap: 8px;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 15px;
}

.footer-bottom p {
    font-size: 13px;
    opacity: 0.7;
}

.footer-links {
    display: flex;
    gap: 20px;
}

.footer-links a {
    font-size: 13px;
    opacity: 0.7;
    transition: var(--transition);
}

.footer-links a:hover {
    opacity: 1;
    color: var(--accent-orange);
}

/* ===== RESPONSIVE DESIGN ===== */
@media (max-width: 1024px) {
    .hero-content {
        grid-template-columns: 1fr;
    }

    .hero-image-section {
        order: -1;
    }

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

    .hero-visual {
        display: none;
    }

    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 40px;
    }

    .eligibility-content {
        grid-template-columns: 1fr;
    }

    .eligibility-visual {
        order: -1;
    }

    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .nav-menu {
        display: none;
    }

    .mobile-menu-btn {
        display: block;
    }

    .hero {
        padding: 100px 0 40px;
    }

    .form-card {
        padding: 20px;
    }

    .form-title {
        font-size: 20px;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .radio-group {
        flex-direction: column;
        gap: 10px;
    }

    .features-grid {
        grid-template-columns: 1fr;
    }

    .stats-grid {
        grid-template-columns: 1fr 1fr;
    }

    .stat-number {
        font-size: 36px;
    }

    .steps-container {
        flex-direction: column;
        gap: 20px;
    }

    .step-connector {
        width: 3px;
        height: 30px;
    }

    .step-card {
        width: 100%;
        max-width: 300px;
    }

    .section-header h2 {
        font-size: 26px;
    }

    .cta-content h2 {
        font-size: 28px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .footer-logo {
        justify-content: center;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }

    .tracker-card,
    .promo-card {
        display: flex;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 15px;
    }

    .hero {
        padding: 90px 0 30px;
    }

    .form-card {
        padding: 15px;
    }

    .form-title {
        font-size: 18px;
    }

    .form-subtitle {
        font-size: 12px;
    }

    .form-group input,
    .form-group select {
        padding: 12px;
        font-size: 14px;
    }

    .submit-btn {
        width: 100%;
        padding: 14px;
    }

    .stat-number {
        font-size: 30px;
    }

    .stat-label {
        font-size: 12px;
    }

    .cta-content h2 {
        font-size: 24px;
    }

    .cta-content p {
        font-size: 15px;
    }

    .cta-btn-white {
        padding: 14px 30px;
        font-size: 14px;
    }
}