:root {
    --primary: #1F4E79;
    --secondary: #4FA9C6;
    --accent: #7CC6D6;
    --dark: #1A2F5A;
    --text: #333333;
    --white: #FFFFFF;
    --light-bg: #f8f9fa;
    --shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 25px rgba(0, 0, 0, 0.15);
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    color: var(--text);
    background: var(--light-bg);
    line-height: 1.6;
}

.container {
    width: 90%;
    max-width: 1200px;
    margin: auto;
}

/* HEADER */
.header {
    background: linear-gradient(135deg, var(--primary), var(--dark));
    color: white;
    padding: 20px 0;
    box-shadow: var(--shadow);
    position: sticky;
    top: 0;
    z-index: 1000;
}

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

.logo {
    font-size: 1.8rem;
    font-weight: bold;
    letter-spacing: 1px;
}

.nav-links {
    display: flex;
    gap: 30px;
}

.nav-links a {
    color: white;
    text-decoration: none;
    font-weight: 500;
    padding: 8px 15px;
    border-radius: 5px;
    transition: all 0.3s ease;
}

.nav-links a:hover,
.nav-links a.active {
    background: rgba(255, 255, 255, 0.2);
    transform: translateY(-2px);
}

.menu-toggle {
    display: none;
    background: none;
    border: none;
    color: white;
    font-size: 1.5rem;
    cursor: pointer;
}

/* HERO */
.hero {
    background: linear-gradient(135deg, #1A2F5A, #1F4E79, #4FA9C6);
    color: white;
    padding: 120px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 320"><path fill="rgba(255,255,255,0.1)" d="M0,96L48,112C96,128,192,160,288,160C384,160,480,128,576,112C672,96,768,96,864,112C960,128,1056,160,1152,165.3C1248,171,1344,149,1392,138.7L1440,128L1440,320L1392,320C1344,320,1248,320,1152,320C1056,320,960,320,864,320C768,320,672,320,576,320C480,320,384,320,288,320C192,320,96,320,48,320L0,320Z"></path></svg>') no-repeat bottom;
    background-size: cover;
}

.hero-content {
    position: relative;
    z-index: 1;
    animation: fadeInUp 1s ease;
}

.hero h2 {
    font-size: 3rem;
    margin-bottom: 20px;
    font-weight: 700;
    text-shadow: 2px 2px 4px rgba(0, 0, 0, 0.3);
}

.hero p {
    font-size: 1.3rem;
    margin-bottom: 10px;
    opacity: 0.95;
}

.btn {
    display: inline-block;
    background: var(--secondary);
    color: white;
    padding: 15px 35px;
    margin-top: 20px;
    text-decoration: none;
    border-radius: 50px;
    font-weight: 600;
    box-shadow: var(--shadow);
    transition: all 0.3s ease;
    border: none;
    cursor: pointer;
}

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

.btn-secondary {
    background: transparent;
    border: 2px solid white;
}

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

/* SECTION */
.section {
    padding: 80px 0;
    background: white;
    margin-bottom: 2px;
}

.section-alt {
    background: var(--light-bg);
}

.section h2 {
    margin-bottom: 30px;
    color: var(--primary);
    font-size: 2.5rem;
    text-align: center;
    position: relative;
    padding-bottom: 15px;
}

.section h2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 4px;
    background: var(--secondary);
    border-radius: 2px;
}

.section h3 {
    color: var(--primary);
    margin-top: 30px;
    margin-bottom: 15px;
    font-size: 1.5rem;
}

.section ul {
    margin-left: 20px;
    line-height: 2;
}

.section ol {
    margin-left: 20px;
    line-height: 2;
}

/* CARDS */
.cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 30px;
    margin-top: 50px;
}

.card {
    background: white;
    padding: 30px;
    border-radius: 15px;
    box-shadow: var(--shadow);
    transition: all 0.3s ease;
    text-align: center;
}

.card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-lg);
}

.card-icon {
    width: 100%;
    height: 200px;
    background: linear-gradient(135deg, var(--secondary), var(--accent));
    border-radius: 10px;
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 4rem;
    color: white;
}

.card h3 {
    color: var(--primary);
    margin-bottom: 15px;
    margin-top: 0;
}

.card p {
    color: var(--text);
    line-height: 1.8;
}

/* FEATURES */
.features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-top: 50px;
}

.feature {
    text-align: center;
    padding: 20px;
}

.feature-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    border-radius: 50%;
    margin: 0 auto 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    box-shadow: var(--shadow);
}

.feature h3 {
    margin-bottom: 10px;
    color: var(--primary);
}

/* LOAN CALCULATOR */
.calculator {
    background: white;
    padding: 40px;
    border-radius: 15px;
    box-shadow: var(--shadow-lg);
    max-width: 600px;
    margin: 50px auto;
}

.calculator h3 {
    text-align: center;
    color: var(--primary);
    margin-bottom: 30px;
    margin-top: 0;
}

.form-group {
    margin-bottom: 25px;
}

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

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid #e0e0e0;
    border-radius: 8px;
    font-size: 1rem;
    transition: all 0.3s ease;
    font-family: inherit;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--secondary);
    box-shadow: 0 0 0 3px rgba(79, 169, 198, 0.1);
}

.calc-result {
    background: var(--light-bg);
    padding: 25px;
    border-radius: 10px;
    margin-top: 25px;
    text-align: center;
}

.calc-result h4 {
    color: var(--primary);
    margin-bottom: 15px;
}

.calc-result .amount {
    font-size: 2rem;
    color: var(--secondary);
    font-weight: bold;
    margin: 10px 0;
}

.calc-details {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 15px;
    margin-top: 20px;
}

.calc-detail-item {
    background: white;
    padding: 15px;
    border-radius: 8px;
}

.calc-detail-item strong {
    display: block;
    color: var(--dark);
    margin-bottom: 5px;
}

/* CONTACT FORM */
.contact-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    margin-top: 50px;
}

.contact-info {
    background: white;
    padding: 40px;
    border-radius: 15px;
    box-shadow: var(--shadow);
}

.contact-info h3 {
    color: var(--primary);
    margin-bottom: 25px;
    margin-top: 0;
}

.contact-item {
    margin-bottom: 25px;
}

.contact-item strong {
    display: block;
    color: var(--dark);
    margin-bottom: 8px;
    font-size: 1.1rem;
}

.contact-item p {
    color: var(--text);
    line-height: 1.8;
}

.contact-form {
    background: white;
    padding: 40px;
    border-radius: 15px;
    box-shadow: var(--shadow);
}

.map-placeholder {
    width: 100%;
    height: 300px;
    background: linear-gradient(135deg, var(--secondary), var(--accent));
    border-radius: 10px;
    margin-top: 30px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.2rem;
    font-weight: 600;
}

/* ABOUT PAGE */
.about-hero {
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    color: white;
    padding: 80px 0;
    text-align: center;
}

.about-hero h2 {
    font-size: 2.8rem;
    margin-bottom: 15px;
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
    margin-top: 50px;
}

.value-card {
    background: white;
    padding: 30px;
    border-radius: 15px;
    box-shadow: var(--shadow);
    text-align: center;
    transition: all 0.3s ease;
}

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

.value-icon {
    font-size: 3rem;
    margin-bottom: 15px;
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-top: 50px;
}

.team-member {
    text-align: center;
}

.team-photo {
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--secondary), var(--accent));
    margin: 0 auto 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 4rem;
    color: white;
    box-shadow: var(--shadow);
}

.team-member h3 {
    margin-bottom: 5px;
    color: var(--primary);
}

.team-member .role {
    color: var(--secondary);
    font-weight: 600;
    margin-bottom: 10px;
}

/* FOOTER */
.footer {
    background: linear-gradient(135deg, var(--dark), var(--primary));
    color: white;
    padding: 40px 0 20px;
    margin-top: 50px;
    box-shadow: 0 -4px 6px rgba(0, 0, 0, 0.1);
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 30px;
}

.footer-section h3 {
    margin-bottom: 15px;
    font-size: 1.2rem;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 10px;
}

.footer-section a {
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-section a:hover {
    color: white;
}

.social-links {
    display: flex;
    gap: 15px;
    margin-top: 15px;
}

.social-icon {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    text-decoration: none;
    transition: all 0.3s ease;
}

.social-icon:hover {
    background: var(--secondary);
    transform: translateY(-3px);
}

.footer-bottom {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.disclaimer {
    font-size: 0.85rem;
    margin-top: 10px;
    opacity: 0.8;
    line-height: 1.6;
}

/* ANIMATIONS */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in {
    animation: fadeInUp 0.6s ease;
}

/* RESPONSIVE */
@media (max-width: 768px) {
    .nav-links {
        display: none;
        flex-direction: column;
        position: absolute;
        top: 70px;
        left: 0;
        right: 0;
        background: var(--dark);
        padding: 20px;
        box-shadow: var(--shadow);
    }

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

    .menu-toggle {
        display: block;
    }

    .hero h2 {
        font-size: 2rem;
    }

    .hero p {
        font-size: 1.1rem;
    }

    .section h2 {
        font-size: 2rem;
    }

    .contact-container {
        grid-template-columns: 1fr;
    }

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

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

    .social-links {
        justify-content: center;
    }
}