/* Nanda Fincap Website - Main Stylesheet */

/* CSS Variables */
:root {
    --primary-color: #2d8a5a;
    --primary-hover: #63cd8b;
    --primary-dark: #1f6844;
    --primary-light: #3da66e;
    --secondary-color: #64748b;
    --text-color: #1e293b;
    --text-light: #64748b;
    --bg-color: #ffffff;
    --bg-light: #f8fafc;
    --border-color: #e2e8f0;
    --success-color: #2d8a5a;
    --warning-color: #f59e0b;
    --error-color: #ef4444;

    --font-primary: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    --font-secondary: Georgia, serif;

    --transition: all 0.3s ease;
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
}

::selection {
    background-color: var(--primary-color);
    color: #fff;
}

/* Reset & Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    font-size: 16px;
    scroll-behavior: smooth;
}

a {
    cursor: pointer;
    color: var(--primary-color);
}

a:hover {
    color: var(--primary-hover);
}

body {
    font-family: var(--font-primary);
    color: var(--text-color);
    background-color: var(--bg-color);
    line-height: 1.6;
    overflow-x: hidden;
}

/* Typography */
h1,
h2,
h3,
h4,
h5,
h6 {
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1rem;
}

h1 {
    font-size: 2.5rem;
}

h2 {
    font-size: 2rem;
}

h3 {
    font-size: 1.5rem;
}

h4 {
    font-size: 1.25rem;
}

h5 {
    font-size: 1rem;
}

h6 {
    font-size: 0.875rem;
}

p {
    margin-bottom: 1rem;
}

a {
    color: var(--primary-color);
    text-decoration: none;
    transition: var(--transition);
}

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

/* Container */
.container {
    max-width: 1440px;
    margin: 0 auto;
    padding: 0 2rem;
}

.text-primary {
    color: var(--primary-color) !important;
}

/* Referenced Component Adaptation */
.lending-flex-section {
    position: relative;
    padding: 6.5rem 0 5.5rem;
    overflow: hidden;
    background:
        radial-gradient(circle at 20% 18%, rgba(61, 166, 110, 0.14), transparent 28%),
        radial-gradient(circle at 82% 78%, rgba(45, 138, 90, 0.12), transparent 24%),
        linear-gradient(180deg, #ffffff 0%, #f5fbf7 100%);
}

.lending-flex-section::before {
    content: "";
    position: absolute;
    inset: 12% 8% auto;
    height: 520px;
    border-radius: 999px;
    pointer-events: none;
    background:
        radial-gradient(circle at 12% 12%, rgba(116, 219, 195, 0.45) 0, rgba(116, 219, 195, 0.18) 12%, transparent 13%),
        radial-gradient(circle at 48% 50%, rgba(116, 219, 195, 0.42) 0, rgba(116, 219, 195, 0.12) 10%, transparent 11%),
        radial-gradient(circle at 84% 84%, rgba(116, 219, 195, 0.45) 0, rgba(116, 219, 195, 0.12) 11%, transparent 12%);
    opacity: 0.9;
}

.lending-flex-section::after {
    content: "";
    position: absolute;
    left: 50%;
    top: 16rem;
    width: min(1080px, calc(100% - 3rem));
    height: 620px;
    transform: translateX(-50%);
    pointer-events: none;
    border-radius: 50%;
    border: 1px solid rgba(45, 138, 90, 0.12);
    box-shadow:
        0 0 0 120px rgba(45, 138, 90, 0.04),
        0 0 0 240px rgba(45, 138, 90, 0.025);
    mask: linear-gradient(to bottom, rgba(0, 0, 0, 0.6), transparent 78%);
    opacity: 0.8;
}

.lending-flex-section .container {
    position: relative;
    z-index: 1;
}

.lending-flex-header {
    max-width: 860px;
    margin: 0 auto 4rem;
    text-align: center;
}

.lending-flex-eyebrow {
    display: inline-block;
    margin-bottom: 1rem;
    padding: 0.45rem 1rem;
    border-radius: 999px;
    background: linear-gradient(90deg, rgba(45, 138, 90, 0.12), rgba(255, 168, 168, 0.18));
    color: #315f4a;
    font-size: 0.95rem;
    font-weight: 700;
    letter-spacing: 0.01em;
}

.lending-flex-title {
    margin-bottom: 0;
    font-size: clamp(2rem, 4.4vw, 4rem);
    line-height: 1.03;
    letter-spacing: -0.03em;
    color: #143728;
}

.lending-flex-grid {
    display: grid;
    grid-template-columns: minmax(260px, 320px) minmax(320px, 420px) minmax(260px, 320px);
    grid-template-areas:
        "card-a media card-b"
        "card-c media card-d";
    gap: 1.5rem 2rem;
    align-items: center;
    max-width: 1140px;
    margin: 0 auto;
}

.lending-flex-card {
    position: relative;
    width: 100%;
    padding: 1.6rem 1.5rem 1.55rem;
    border: 1px solid rgba(45, 138, 90, 0.12);
    border-radius: 1.5rem;
    background: rgba(255, 255, 255, 0.88);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    box-shadow: 0 24px 60px rgba(20, 55, 40, 0.08);
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.lending-flex-card:hover {
    transform: translateY(-6px);
    border-color: rgba(45, 138, 90, 0.24);
    box-shadow: 0 28px 70px rgba(20, 55, 40, 0.12);
}

.lending-flex-card-a,
.lending-flex-card-c {
    justify-self: end;
}

.lending-flex-card-b,
.lending-flex-card-d {
    justify-self: start;
}

.lending-flex-card-a {
    grid-area: card-a;
}

.lending-flex-card-b {
    grid-area: card-b;
}

.lending-flex-card-c {
    grid-area: card-c;
}

.lending-flex-card-d {
    grid-area: card-d;
}

.lending-flex-media {
    grid-area: media;
    align-self: center;
    justify-self: center;
    width: 100%;
    max-width: 400px;
    position: relative;
    padding: 1rem;
    border-radius: 2.25rem;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.94), rgba(240, 250, 244, 0.78));
    border: 1px solid rgba(45, 138, 90, 0.14);
    box-shadow: 0 28px 80px rgba(20, 55, 40, 0.1);
}

.lending-flex-media::before {
    content: "";
    position: absolute;
    inset: 8% -10% -8%;
    border-radius: 2.4rem;
    background: radial-gradient(circle, rgba(45, 138, 90, 0.16) 0%, rgba(45, 138, 90, 0.06) 42%, transparent 70%);
    z-index: 0;
}

.lending-flex-media::after {
    content: "";
    position: absolute;
    inset: 12px;
    border-radius: 1.8rem;
    border: 1px solid rgba(255, 255, 255, 0.72);
    pointer-events: none;
    z-index: 1;
}

.lending-flex-media-image {
    position: relative;
    z-index: 2;
    display: block;
    width: 100%;
    height: auto;
    object-fit: contain;
    border-radius: 1.6rem;
    filter: drop-shadow(0 24px 45px rgba(20, 55, 40, 0.16));
}

.lending-flex-icon {
    width: 3rem;
    height: 3rem;
    margin-bottom: 1.1rem;
    border-radius: 0.95rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(180deg, rgba(45, 138, 90, 0.16), rgba(61, 166, 110, 0.08));
    color: var(--primary-color);
    font-size: 1.15rem;
}

.lending-flex-card h3 {
    margin-bottom: 0.75rem;
    font-size: 1.45rem;
    line-height: 1.15;
    color: #163926;
}

.lending-flex-card p {
    margin-bottom: 0;
    color: #4d6357;
    line-height: 1.7;
}

@media (max-width: 992px) {
    .lending-flex-section {
        padding: 5rem 0 4.5rem;
    }

    .lending-flex-grid {
        grid-template-columns: 1fr 1fr;
        grid-template-areas:
            "media media"
            "card-a card-b"
            "card-c card-d";
        gap: 1.25rem 1.5rem;
    }

    .lending-flex-card {
        max-width: none;
    }

    .lending-flex-media {
        grid-column: 1 / -1;
        grid-row: auto;
        max-width: 360px;
        margin: 0 auto 1rem;
    }

    .lending-flex-card-a,
    .lending-flex-card-b,
    .lending-flex-card-c,
    .lending-flex-card-d {
        justify-self: stretch;
    }

    .lending-flex-card-b,
    .lending-flex-card-c,
    .lending-flex-card-d {
        margin-top: 0;
    }
}

@media (max-width: 768px) {
    .lending-flex-section::before,
    .lending-flex-section::after {
        display: none;
    }

    .lending-flex-header {
        margin-bottom: 2.5rem;
    }

    .lending-flex-eyebrow {
        font-size: 0.84rem;
    }

    .lending-flex-grid {
        grid-template-columns: 1fr;
        grid-template-areas:
            "media"
            "card-a"
            "card-b"
            "card-c"
            "card-d";
        gap: 1rem;
    }

    .lending-flex-media {
        max-width: 280px;
        margin-bottom: 0.5rem;
    }

    .lending-flex-card-a,
    .lending-flex-card-b,
    .lending-flex-card-c,
    .lending-flex-card-d {
        justify-self: stretch;
    }

    .lending-flex-card {
        padding: 1.35rem 1.2rem;
        border-radius: 1.15rem;
    }

    .lending-flex-card h3 {
        font-size: 1.2rem;
    }
}

/* Dark Build Section */
.loan-stack-section {
    position: relative;
    padding: 5.75rem 0;
    background:
        radial-gradient(circle at 8% 88%, rgba(90, 211, 190, 0.22), transparent 18%),
        radial-gradient(circle at 92% 22%, rgba(90, 211, 190, 0.12), transparent 16%),
        linear-gradient(180deg, #062f29 0%, #042822 100%);
    overflow: hidden;
}

.loan-stack-section::before {
    content: "";
    position: absolute;
    inset: auto auto 0 -8%;
    width: 340px;
    height: 340px;
    border-radius: 2.25rem;
    background: linear-gradient(180deg, #98e3d8 0%, #7bcfc2 100%);
    opacity: 0.9;
    transform: rotate(-8deg);
}

.loan-stack-section::after {
    content: "";
    position: absolute;
    right: -10%;
    top: 3.5rem;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    border: 1px solid rgba(148, 228, 214, 0.12);
    box-shadow: 0 0 0 70px rgba(148, 228, 214, 0.04);
    opacity: 0.7;
}

.loan-stack-section .container {
    position: relative;
    z-index: 1;
}

.loan-stack-header {
    display: flex;
    justify-content: space-between;
    align-items: end;
    gap: 2rem;
    margin-bottom: 1.5rem;
}

.loan-stack-header-left {
    max-width: 760px;
}

.loan-stack-eyebrow {
    margin-bottom: 0.85rem;
    color: #94e4d6;
    font-size: 0.82rem;
    font-weight: 800;
    letter-spacing: 0.18em;
    text-transform: uppercase;
}

.loan-stack-title {
    margin-bottom: 0;
    color: #effaf7;
    font-size: clamp(2rem, 4vw, 4.2rem);
    line-height: 1;
    letter-spacing: -0.04em;
    max-width: 720px;
}

.loan-stack-cta {
    display: inline-flex;
    align-items: center;
    gap: 0.8rem;
    padding: 1rem 1.35rem;
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 999px;
    color: #f4fbf9;
    background: rgba(255, 255, 255, 0.05);
    font-weight: 700;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

.loan-stack-cta:hover {
    color: #f4fbf9;
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 255, 255, 0.28);
}

.loan-stack-grid {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr 0.85fr;
    gap: 1.4rem;
    align-items: stretch;
}

.loan-stack-metrics {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
    margin-bottom: 1.6rem;
}

.loan-stack-metric {
    padding: 1rem 1.15rem;
    border-radius: 1.2rem;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(148, 228, 214, 0.1);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

.loan-stack-metric strong {
    display: block;
    margin-bottom: 0.28rem;
    color: #f6fbfa;
    font-size: 1.05rem;
    font-weight: 800;
}

.loan-stack-metric span {
    color: rgba(235, 247, 244, 0.7);
    font-size: 0.9rem;
}

.loan-stack-card {
    position: relative;
    min-height: 420px;
    padding: 1.6rem;
    border-radius: 1.6rem;
    background: linear-gradient(180deg, rgba(22, 56, 49, 0.94) 0%, rgba(19, 48, 42, 0.98) 100%);
    border: 1px solid rgba(148, 228, 214, 0.08);
    box-shadow: 0 24px 70px rgba(0, 0, 0, 0.24);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.loan-stack-card-tall {
    min-height: 520px;
}

.loan-stack-card-copy {
    position: relative;
    z-index: 1;
    max-width: 360px;
}

.loan-stack-card-label {
    margin-bottom: 0.7rem;
    color: #94e4d6;
    font-size: 0.8rem;
    font-weight: 800;
    letter-spacing: 0.16em;
    text-transform: uppercase;
}

.loan-stack-card h3 {
    margin-bottom: 0.85rem;
    color: #f6fbfa;
    font-size: 1.6rem;
    line-height: 1.08;
}

.loan-stack-card p:last-child {
    margin-bottom: 0;
    color: rgba(235, 247, 244, 0.74);
    max-width: 31ch;
    line-height: 1.65;
}

.loan-stack-card-visual {
    position: relative;
    z-index: 1;
    align-self: flex-end;
}

.loan-stack-visual-bars {
    display: flex;
    align-items: end;
    gap: 0.85rem;
    margin-top: 2rem;
}

.loan-stack-visual-bars span {
    width: 3.8rem;
    border-radius: 1.2rem 1.2rem 0.5rem 0.5rem;
    background: linear-gradient(180deg, rgba(152, 227, 216, 0.94), rgba(86, 198, 181, 0.35));
    box-shadow: inset 0 -10px 20px rgba(4, 40, 34, 0.24);
}

.loan-stack-visual-bars span:nth-child(1) {
    height: 8rem;
}

.loan-stack-visual-bars span:nth-child(2) {
    height: 11rem;
}

.loan-stack-visual-bars span:nth-child(3) {
    height: 6.5rem;
}

.loan-stack-visual-shield {
    width: 8.25rem;
    height: 8.25rem;
    border-radius: 2rem;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(180deg, rgba(152, 227, 216, 0.16), rgba(152, 227, 216, 0.06));
    border: 1px solid rgba(152, 227, 216, 0.12);
    color: #98e3d8;
    font-size: 3rem;
}

.loan-stack-visual-cards {
    position: relative;
    width: 10rem;
    height: 8rem;
}

.loan-stack-visual-cards span {
    position: absolute;
    width: 6.8rem;
    height: 4.4rem;
    border-radius: 1rem;
    background: linear-gradient(135deg, #9be5d9 0%, #62cfbe 100%);
    box-shadow: 0 16px 28px rgba(0, 0, 0, 0.18);
}

.loan-stack-visual-cards span:nth-child(1) {
    right: 1.6rem;
    top: 0.3rem;
    opacity: 0.7;
}

.loan-stack-visual-cards span:nth-child(2) {
    right: 0.4rem;
    top: 1.7rem;
}

.loan-stack-visual-cards span:nth-child(3) {
    left: 0;
    top: 3rem;
    opacity: 0.82;
}

@media (max-width: 992px) {
    .loan-stack-header {
        align-items: start;
        flex-direction: column;
    }

    .loan-stack-metrics {
        grid-template-columns: 1fr;
    }

    .loan-stack-grid {
        grid-template-columns: 1fr 1fr;
    }

    .loan-stack-card-tall {
        grid-column: 1 / -1;
        min-height: 420px;
    }
}

@media (max-width: 768px) {
    .loan-stack-section {
        padding: 4.5rem 0;
    }

    .loan-stack-section::before,
    .loan-stack-section::after {
        display: none;
    }

    .loan-stack-grid {
        grid-template-columns: 1fr;
    }

    .loan-stack-metrics {
        gap: 0.85rem;
    }

    .loan-stack-card,
    .loan-stack-card-tall {
        min-height: auto;
    }

    .loan-stack-card h3 {
        font-size: 1.35rem;
    }

    .loan-stack-visual-bars span {
        width: 3rem;
    }
}

/* Header & Navigation */
.header {
    background-color: transparent;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    transition: var(--transition);
    border-bottom: 1px solid transparent;
    padding: 0;
}

.header.scrolled {
    background-color: transparent;
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
    border-bottom-color: transparent;
    box-shadow: none;
}

.navbar {
    padding: 0;
    background: transparent;
}

.navbar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    max-width: 1440px;
    margin-top: 0.1rem;
    padding: 0.95rem 1.5rem;
    border-radius: 1.8rem;
    background: rgba(255, 255, 255, 0.97);
    border: 1px solid rgba(17, 55, 45, 0.08);
    box-shadow: 0 16px 40px rgba(14, 38, 33, 0.08);
}

.nav-brand {
    display: flex;
    align-items: center;
    gap: 2.4rem;
}

.logo {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
    padding: 0.5rem;
    border-radius: 0.375rem;
    transition: var(--transition);
    display: flex;
    align-items: center;
}

.logo-img {
    height: 42px;
    width: auto;
    display: block;
    transition: transform 0.3s ease;
}

.logo:hover .logo-img {
    transform: scale(1.05);
}

.logo:hover {
    background-color: rgba(17, 55, 45, 0.04);
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 1.6rem;
    align-items: center;
}

.nav-menu>li {
    position: relative;
}

.nav-link {
    color: #365448;
    font-weight: 600;
    padding: 0.3rem 0;
    position: relative;
    border-radius: 0;
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    font-size: 1rem;
    line-height: 1;
}

.nav-link::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: -0.7rem;
    width: 0.6rem;
    height: 2px;
    border-radius: 999px;
    background: #2d8a5a;
    opacity: 0;
    transform: translateY(4px);
    transition: opacity 0.25s ease, transform 0.25s ease;
}

.nav-link:hover,
.nav-dropdown:hover > .nav-link {
    color: #11372d;
}

.nav-link.active {
    background-color: transparent;
    color: #11372d;
}

.nav-link:hover::after,
.nav-link.active::after,
.nav-dropdown:hover > .nav-link::after {
    opacity: 1;
    transform: translateY(0);
}

.dropdown-arrow {
    font-size: 0.625rem;
    transition: transform 0.3s ease;
    color: rgba(54, 84, 72, 0.7);
}

.nav-dropdown:hover .dropdown-arrow,
.nav-dropdown.active .dropdown-arrow {
    transform: rotate(180deg);
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-left: 1.5rem;
}

.btn-nav {
    padding: 0.95rem 1.55rem;
    border-radius: 999px;
    font-weight: 700;
    font-size: 1rem;
    transition: var(--transition);
    border: none;
    cursor: pointer;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.btn-outline-nav {
    background-color: transparent;
    border: 1px solid var(--border-color);
    color: var(--text-color);
}

.btn-outline-nav:hover {
    background-color: var(--bg-light);
}

.btn-primary-nav {
    background: #eff7f0;
    color: #1a241d;
    box-shadow: 0 10px 24px rgba(239, 247, 240, 0.18);
}

.btn-primary-nav:hover {
    background: #ffffff;
    color: #111814;
}

.nav-toggle {
    display: none;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(139, 214, 196, 0.2);
    border-radius: 0.9rem;
    cursor: pointer;
    padding: 0.8rem;
}

.hamburger {
    display: block;
    width: 22px;
    height: 2px;
    background-color: #f3fbf8;
    position: relative;
    transition: var(--transition);
}

.hamburger::before,
.hamburger::after {
    content: '';
    position: absolute;
    width: 22px;
    height: 2px;
    background-color: #f3fbf8;
    transition: var(--transition);
}

.hamburger::before {
    top: -8px;
}

.hamburger::after {
    bottom: -8px;
}

/* Hero Section - Split Layout */
.hero-modern {
    position: relative;
    overflow: hidden;
    background: linear-gradient(135deg, #eef9f0 0%, #f0faf4 30%, #e8f5ec 60%, #dff0e4 100%);
    padding: 7rem 0 0;
}

/* Split Layout */
.hero-split {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 3rem;
    min-height: 560px;
}

/* Left Content */
.hero-left {
    flex: 0 1 520px;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 1.25rem;
    padding: 2rem 0;
}

/* Tag Label */
.hero-tag {
    position: relative;
    display: inline-flex;
    align-items: center;
    padding: 0.25rem 0.625rem 0.25rem 0.75rem;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--text-color);
    overflow: hidden;
}

.hero-tag-text {
    position: relative;
    z-index: 1;
}

.hero-tag-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
    border-left: 2px solid var(--primary-color);
    background: linear-gradient(90deg, rgba(45,138,90,0.12), rgba(255,255,255,0.3));
}

/* Headline */
.hero-headline {
    font-size: clamp(2.5rem, 5.5vw, 4.25rem);
    font-weight: 500;
    line-height: 1.05;
    color: #002824;
    letter-spacing: -0.02em;
    margin: 0;
}

.hero-gradient-text {
    background: linear-gradient(90deg, #00aa82, #00aa82 25%, #ffcf81);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* Subtext */
.hero-subtext {
    font-size: 1.125rem;
    color: rgb(64,64,64);
    line-height: 1.55;
    max-width: 485px;
    margin: 0;
}

/* Primary Button */
.hero-btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 1.125rem 1.5rem;
    background: linear-gradient(135deg, #123f36 0%, #2d8a5a 100%);
    color: #ffffff;
    font-size: 1.0625rem;
    font-weight: 600;
    border: 1px solid rgba(17, 55, 45, 0.12);
    border-radius: 0.5rem;
    text-decoration: none;
    cursor: pointer;
    transition: all 0.3s ease;
}

.hero-btn-primary:hover {
    transform: translateY(-2px);
    background: linear-gradient(135deg, #16483e 0%, #37a06a 100%);
    box-shadow: 0 10px 24px rgba(17, 55, 45, 0.2);
}

.hero-btn-primary i {
    font-size: 0.875rem;
    transition: transform 0.2s;
}

.hero-btn-primary:hover i {
    transform: translateX(3px);
}

/* Feature Items Row */
.hero-features-row {
    display: flex;
    gap: 2rem;
    margin-top: 0.5rem;
}

.hero-feature-item {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 0.25rem;
}

.hero-feature-item i {
    font-size: 1.125rem;
    color: var(--primary-color);
}

.hero-feature-item p {
    font-size: 0.9375rem;
    font-weight: 600;
    color: #002824;
    margin: 0;
}

/* Trust Badge */
.hero-trust-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.4rem 1rem;
    background: rgba(0,170,130,0.08);
    border: 1px solid rgba(0,170,130,0.2);
    border-radius: 2rem;
    font-size: 0.8125rem;
    font-weight: 500;
    color: #002824;
}

.hero-trust-badge i {
    color: var(--primary-color);
    font-size: 0.8125rem;
}

/* Dual Buttons */
.hero-buttons {
    display: flex;
    gap: 0.75rem;
    flex-wrap: wrap;
}

.hero-btn-secondary {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 1.125rem 1.5rem;
    background: transparent;
    color: #002824;
    font-size: 1.0625rem;
    font-weight: 600;
    border: 1.5px solid rgba(0,40,36,0.2);
    border-radius: 0.5rem;
    text-decoration: none;
    transition: all 0.25s ease;
}

.hero-btn-secondary:hover {
    background: rgba(0,40,36,0.05);
    border-color: rgba(0,40,36,0.4);
    transform: translateY(-2px);
}

.hero-btn-secondary i {
    font-size: 0.75rem;
    transition: transform 0.2s;
}

.hero-btn-secondary:hover i {
    transform: translateX(3px);
}

/* Phone CTA Compact */
.hero-phone-compact {
    width: 100%;
    max-width: 420px;
    display: flex;
    flex-direction: column;
    gap: 0.15rem;
}

.hero-form {
    width: 100%;
}

.hero-cta-wrapper {
    display: flex;
    align-items: stretch;
    background: #ffffff;
    border: 1.5px solid rgba(0,40,36,0.12);
    border-radius: 0.625rem;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0,0,0,0.06);
    transition: border-color 0.2s, box-shadow 0.2s;
}

.hero-cta-wrapper:focus-within {
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(0,170,130,0.12);
}

.hero-phone-input-group {
    display: flex;
    align-items: center;
    flex: 1;
    min-width: 0;
}

.hero-phone-prefix {
    padding: 0 0 0 1rem;
    font-weight: 600;
    color: #002824;
    font-size: 0.9375rem;
    white-space: nowrap;
}

.hero-cta-input {
    flex: 1;
    min-width: 0;
    height: 3rem;
    padding: 0 0.75rem;
    border: none;
    outline: none;
    font-size: 0.9375rem;
    color: #002824;
    background: transparent;
}

.hero-cta-input::placeholder {
    color: rgba(0,40,36,0.4);
}

.hero-cta-button {
    display: flex;
    align-items: center;
    gap: 0.375rem;
    padding: 0 1.25rem;
    height: 3rem;
    background: var(--primary-color);
    color: #fff;
    border: none;
    font-size: 0.875rem;
    font-weight: 600;
    cursor: pointer;
    white-space: nowrap;
    transition: background 0.2s;
}

.hero-cta-button:hover {
    background: var(--primary-dark);
}

.hero-cta-button svg {
    flex-shrink: 0;
}

.hero-cta-note {
    font-size: 0.75rem;
    color: rgba(0,40,36,0.45);
    margin: 0;
    line-height: 1.2;
}

/* Atmospheric Hero */
.hero-atmospheric {
    position: relative;
    padding: 7rem 0 0;
    overflow: hidden;
    background:
        radial-gradient(circle at 18% 78%, rgba(255, 255, 255, 0.72), transparent 18%),
        radial-gradient(circle at 82% 24%, rgba(162, 225, 198, 0.28), transparent 18%),
        linear-gradient(180deg, #f7fffa 0%, #eefaf3 54%, #e3f5ea 100%);
}

.hero-atmospheric::before,
.hero-atmospheric::after {
    content: "";
    position: absolute;
    inset: auto;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.95) 0%, rgba(255, 255, 255, 0.38) 38%, rgba(255, 255, 255, 0) 72%);
    filter: blur(10px);
    pointer-events: none;
}

.hero-atmospheric::before {
    left: -6%;
    bottom: 10%;
    width: 340px;
    height: 180px;
}

.hero-atmospheric::after {
    right: -2%;
    bottom: 16%;
    width: 240px;
    height: 120px;
}

.hero-atmospheric-shell {
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding-bottom: 0;
}

.hero-atmospheric-copy {
    max-width: 980px;
    width: 100%;
    margin-bottom: 0;
}

.hero-trust-badge-centered {
    margin-bottom: 1rem;
    background: rgba(255,255,255,0.74);
    border-color: rgba(45, 138, 90, 0.12);
    color: #1a4d38;
    align-self: center;
}

.hero-trust-badge-centered i {
    color: #d8ff6e;
}

.hero-headline-display {
    max-width: 860px;
    margin: 0 auto 1rem;
    color: #12392b;
    font-size: clamp(3.2rem, 7vw, 6.2rem);
    line-height: 0.96;
    letter-spacing: -0.05em;
    text-align: center;
}

.hero-atmospheric .hero-gradient-text {
    color: #2d8a5a;
    background: none;
    -webkit-text-fill-color: currentColor;
}

.hero-subtext-centered {
    max-width: 720px;
    margin: 0 auto;
    color: rgba(21, 57, 44, 0.82);
    font-size: 1.08rem;
    line-height: 1.65;
    text-align: center;
}

.hero-buttons-centered {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.85rem;
    width: min(30rem, 100%);
    margin-top: 1.45rem;
    align-items: center;
}

.hero-atmospheric .hero-btn-primary {
    box-shadow: 0 16px 36px rgba(7, 51, 85, 0.24);
}

.hero-buttons-centered .hero-btn-primary,
.hero-buttons-centered .hero-btn-secondary {
    min-width: 0;
    width: 100%;
    min-height: 56px;
    padding: 0.95rem 1.25rem;
    border-radius: 999px;
    justify-content: center;
}

.hero-btn-secondary-light {
    background: rgba(255,255,255,0.72);
    color: #184634;
    border-color: rgba(45, 138, 90, 0.16);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

.hero-btn-secondary-light:hover {
    background: rgba(255,255,255,0.92);
    color: #11372d;
    border-color: rgba(45, 138, 90, 0.26);
}

.hero-phone-centered {
    max-width: 520px;
    margin: 0.35rem auto 0;
    align-items: center;
}

.hero-atmospheric .hero-cta-wrapper {
    border-color: rgba(255,255,255,0.28);
    background: rgba(255,255,255,0.92);
    box-shadow: 0 14px 34px rgba(8, 48, 77, 0.14);
}

.hero-atmospheric-stage {
    position: relative;
    width: min(1180px, 100%);
    min-height: 1820px;
    margin-top: -2.2rem;
}

.hero-atmospheric-stage::before {
    content: "";
    position: absolute;
    left: 50%;
    bottom: 0;
    transform: translateX(-50%);
    width: min(960px, 97%);
    height: 1700px;
    border-radius: 2.4rem;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.28) 0%, rgba(255, 255, 255, 0.1) 100%);
    border: 1px solid rgba(255, 255, 255, 0.22);
    box-shadow: 0 24px 90px rgba(4, 39, 66, 0.16);
    opacity: 0.7;
    pointer-events: none;
}

.hero-video-frame {
    position: absolute;
    left: 50%;
    bottom: 0;
    transform: translateX(-50%);
    width: min(940px, 97%);
    height: auto;
    aspect-ratio: 9 / 16;
    border-radius: 2.2rem;
    overflow: hidden;
    box-shadow:
        0 34px 100px rgba(3, 32, 54, 0.28),
        inset 0 1px 0 rgba(255, 255, 255, 0.28);
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.92), rgba(221, 243, 230, 0.96));
    border: 1px solid rgba(255,255,255,0.28);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
}

.hero-video-frame::before,
.hero-video-frame::after {
    content: "";
    position: absolute;
    inset: 0;
    border-radius: inherit;
    pointer-events: none;
}

.hero-video-frame::before {
    inset: 12px;
    border: 1px solid rgba(255, 255, 255, 0.18);
    opacity: 0.9;
}

.hero-video-frame::after {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.16), rgba(255, 255, 255, 0) 26%);
    mix-blend-mode: screen;
    opacity: 0.8;
}

.hero-video-asset {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center center;
    background: transparent;
    border-radius: calc(2.5rem - 12px);
    transform: none;
}

.hero-floating-card {
    position: absolute;
    z-index: 2;
    width: 210px;
    padding: 1rem 1rem 0.95rem;
    border-radius: 1.45rem;
    background: rgba(255,255,255,0.94);
    border: 1px solid rgba(45, 138, 90, 0.12);
    box-shadow:
        0 22px 60px rgba(7, 48, 78, 0.16),
        inset 0 1px 0 rgba(255, 255, 255, 0.4);
    text-align: left;
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
}

.hero-floating-card strong {
    display: block;
    margin-bottom: 0.35rem;
    color: #103a53;
    font-size: 0.96rem;
}

.hero-floating-card span {
    color: #537385;
    font-size: 0.82rem;
    line-height: 1.45;
}

.hero-floating-card-left {
    left: 3.5%;
    bottom: 14%;
    transform: rotate(-8deg);
}

.hero-floating-card-right {
    right: 3.5%;
    bottom: 18%;
    transform: rotate(8deg);
}

.hero-rating-line {
    margin: 1.15rem auto 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.35rem;
    color: #174533;
}

.hero-rating-line span {
    font-size: 1rem;
    font-weight: 600;
}

@media (min-width: 993px) {
    .hero-atmospheric-shell {
        display: grid;
        grid-template-columns: minmax(0, 1fr) minmax(360px, 430px);
        align-items: center;
        column-gap: 2.5rem;
        row-gap: 0.75rem;
        text-align: left;
    }

    .hero-atmospheric-copy {
        max-width: 580px;
        padding-top: 2.75rem;
    }

    .hero-trust-badge-centered {
        align-self: flex-start;
    }

    .hero-headline-display {
        max-width: 560px;
        margin-bottom: 0.85rem;
        font-size: clamp(3.1rem, 4.8vw, 5.2rem);
        line-height: 0.94;
    }

    .hero-headline-display,
    .hero-subtext-centered {
        margin-left: 0;
        margin-right: 0;
        text-align: left;
    }

    .hero-subtext-centered {
        max-width: 540px;
        font-size: 1.02rem;
        line-height: 1.68;
    }

    .hero-buttons-centered {
        justify-content: flex-start;
        gap: 0.85rem;
    }

    .hero-phone-centered {
        margin-left: 0;
        margin-right: 0;
        margin-top: 0.55rem;
        max-width: 500px;
    }

    .hero-atmospheric-stage {
        width: 100%;
        margin-top: 0;
        min-height: 760px;
        display: flex;
        align-items: flex-end;
        justify-content: flex-end;
    }

    .hero-atmospheric-stage::before {
        left: auto;
        right: 0;
        transform: none;
        width: min(420px, 100%);
        height: 740px;
        border-radius: 2.1rem;
    }

    .hero-video-frame {
        left: auto;
        right: 0;
        transform: none;
        width: min(400px, 100%);
        border-radius: 2rem;
    }

    .hero-floating-card-left,
    .hero-floating-card-right {
        display: none;
    }

    .hero-rating-line {
        grid-column: 1 / -1;
        margin-top: 0.85rem;
        align-items: center;
    }
}

.hero-stars {
    display: inline-flex;
    gap: 0.4rem;
    color: #e2c84d;
    font-size: 0.85rem;
}

/* Right Image Card */
.hero-right {
    flex: 0 1 500px;
    position: relative;
    z-index: 5;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    align-self: stretch;
}

.hero-media {
    height: 90%;
    width: auto;
    max-width: 100%;
    object-fit: contain;
    object-position: bottom center;
    display: block;
}

/* Loan Icons Marquee */
.hero-icons-marquee {
    width: 100%;
    overflow: hidden;
    overflow-x: clip;
    contain: paint;
    mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
    padding: 1.35rem 0 2rem;
    border-top: 1px solid rgba(255,255,255,0.16);
    margin-top: 1.25rem;
    background: linear-gradient(180deg, rgba(255,255,255,0.06), rgba(255,255,255,0));
}

.hero-icons-track {
    display: flex;
    gap: 0.75rem;
    width: max-content;
    animation: marquee-scroll 30s linear infinite;
}

.hero-icons-marquee:hover .hero-icons-track {
    animation-play-state: paused;
}

@keyframes marquee-scroll {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

.loan-icon-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 1rem;
    border-radius: 2rem;
    background: rgba(0,40,36,0.04);
    border: 1px solid rgba(0,40,36,0.08);
    color: #002824;
    font-size: 0.875rem;
    font-weight: 500;
    text-decoration: none;
    white-space: nowrap;
    transition: all 0.25s ease;
}

.loan-icon-pill:hover {
    background: rgba(0,170,130,0.1);
    border-color: rgba(0,170,130,0.3);
    color: #002824;
}

.loan-icon-pill i {
    font-size: 0.875rem;
    color: var(--primary-color);
}

.loan-icon-pill span {
    font-size: 0.8125rem;
}

/* Hero Responsive - Tablet */
@media (max-width: 992px) {
    .hero-headline-display {
        max-width: 760px;
        font-size: clamp(3rem, 7vw, 4.8rem);
    }

    .hero-subtext-centered {
        max-width: 640px;
    }

    .hero-atmospheric-stage {
        min-height: 860px;
        margin-top: 0.2rem;
    }

    .hero-floating-card-left,
    .hero-floating-card-right {
        width: 180px;
    }

    .hero-floating-card-left {
        left: 1%;
        bottom: 11%;
    }

    .hero-floating-card-right {
        right: 1%;
        bottom: 14%;
    }

    .hero-video-frame {
        width: min(390px, 46vw);
        height: auto;
        aspect-ratio: 9 / 16;
        border-radius: 2.15rem;
    }

    .hero-atmospheric-stage::before {
        width: min(410px, 50vw);
        height: 700px;
    }

    .hero-video-asset {
        border-radius: calc(2.15rem - 12px);
    }

    .hero-split {
        gap: 2rem;
    }

    .hero-left {
        flex: 0 1 450px;
    }

    .hero-right {
        flex: 0 1 400px;
        height: 480px;
    }
}

@media (max-width: 768px) {
    .hero-atmospheric {
        padding: 6.45rem 0 0;
    }

    .hero-headline-display {
        max-width: 620px;
        margin-bottom: 0.85rem;
        font-size: clamp(2.7rem, 11vw, 4rem);
        line-height: 0.96;
        letter-spacing: -0.045em;
    }

    .hero-subtext-centered {
        max-width: 34rem;
        font-size: 1rem;
        line-height: 1.62;
    }

    .hero-buttons-centered {
        width: min(30rem, 100%);
        max-width: 34rem;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 0.75rem;
    }

    .hero-buttons-centered .hero-btn-primary,
    .hero-buttons-centered .hero-btn-secondary {
        min-width: 0;
    }

    .hero-phone-centered {
        max-width: 34rem;
        margin-top: 0.55rem;
    }

    .hero-atmospheric-stage {
        min-height: 0;
        margin-top: 1.2rem;
    }

    .hero-atmospheric-stage::before {
        display: none;
    }

    .hero-video-frame {
        position: relative;
        left: auto;
        bottom: auto;
        transform: none;
        width: min(360px, 86vw);
        margin: 0 auto;
        height: auto;
        aspect-ratio: 9 / 16;
        border-radius: 1.7rem;
        background: linear-gradient(180deg, rgba(67, 169, 232, 0.94), rgba(30, 118, 196, 0.92));
    }

    .hero-video-asset {
        object-fit: cover;
        background: transparent;
    }

    .hero-floating-card {
        display: none;
    }

    .hero-rating-line span {
        font-size: 0.9rem;
    }

    .hero-modern {
        padding: 6rem 0 0;
    }

    .hero-split {
        flex-direction: column;
        text-align: center;
        min-height: auto;
        gap: 2rem;
    }

    .hero-left {
        flex: none;
        width: 100%;
        align-items: center;
        padding: 1rem 0 0;
    }

    .hero-headline {
        font-size: clamp(2.25rem, 9vw, 3rem);
        font-weight: 700;
        line-height: 1.08;
    }

    .hero-subtext {
        max-width: 500px;
        font-size: 0.9375rem;
        line-height: 1.5;
    }

    .hero-features-row {
        justify-content: center;
    }

    .hero-buttons {
        flex-direction: row;
        width: 100%;
        max-width: 100%;
        gap: 0.5rem;
    }

    .hero-btn-primary,
    .hero-btn-secondary {
        justify-content: center;
        flex: 1;
        padding: 0.75rem 0.875rem;
        font-size: 0.875rem;
    }

    .hero-phone-compact {
        max-width: 100%;
    }

    .hero-cta-wrapper {
        flex-direction: column;
    }

    .hero-phone-input-group {
        border-bottom: 1px solid rgba(0,40,36,0.08);
    }

    .hero-cta-button {
        justify-content: center;
        border-radius: 0 0 0.5rem 0.5rem;
    }

    .hero-right {
        flex: none;
        width: 100%;
        max-width: 300px;
        margin: 0 auto;
        height: 340px;
    }

    .loan-icon-pill {
        padding: 0.375rem 0.75rem;
    }

    .loan-icon-pill span {
        font-size: 0.75rem;
    }
}

@media (max-width: 480px) {
    .hero-atmospheric {
        padding: 6.2rem 0 0;
    }

    .hero-headline-display {
        font-size: clamp(2.45rem, 11.5vw, 3.4rem);
        line-height: 0.98;
    }

    .hero-subtext-centered {
        font-size: 0.95rem;
        line-height: 1.58;
    }

    .hero-buttons-centered {
        grid-template-columns: 1fr;
        max-width: 100%;
    }

    .hero-buttons-centered .hero-btn-primary,
    .hero-buttons-centered .hero-btn-secondary {
        width: 100%;
    }

    .hero-subtext-centered {
        font-size: 0.88rem;
        line-height: 1.55;
    }

    .hero-phone-centered {
        max-width: 100%;
    }

    .hero-atmospheric-stage {
        min-height: 0;
        width: 100%;
    }

    .hero-atmospheric-stage::before {
        display: none;
    }

    .hero-video-frame {
        width: min(320px, 88vw);
        aspect-ratio: 9 / 16;
        border-radius: 1.35rem;
    }

    .hero-video-frame::before {
        inset: 8px;
    }

    .hero-video-asset {
        border-radius: calc(1.35rem - 8px);
    }

    .hero-floating-card {
        display: none;
    }

    .hero-rating-line {
        margin-top: 1.25rem;
    }

    .hero-icons-marquee {
        padding: 1rem 0 1.35rem;
    }

    .hero-modern {
        padding: 5.5rem 0 0;
    }

    .hero-left {
        gap: 1rem;
    }

    .hero-headline {
        font-size: clamp(2rem, 10vw, 2.75rem);
        font-weight: 800;
    }

    .hero-subtext {
        font-size: 0.8125rem;
        line-height: 1.45;
    }

    .hero-btn-primary,
    .hero-btn-secondary {
        padding: 0.625rem 0.75rem;
        font-size: 0.8125rem;
    }

    .hero-btn-primary i,
    .hero-btn-secondary i {
        font-size: 0.625rem;
    }

    .hero-cta-input {
        height: 2.75rem;
        font-size: 0.875rem;
    }

    .hero-cta-button {
        height: 2.75rem;
        font-size: 0.8125rem;
    }

    .hero-trust-badge {
        font-size: 0.75rem;
        padding: 0.3rem 0.75rem;
    }

    .hero-features-row {
        gap: 1.25rem;
    }

    .hero-feature-item p {
        font-size: 0.8125rem;
    }

    .hero-right {
        max-width: 240px;
        height: 280px;
    }

    .hero-icons-marquee {
        padding: 1rem 0 1.5rem;
    }
}

@media (max-width: 360px) {
    .hero-modern {
        padding: 5rem 0 0;
    }

    .hero-headline {
        font-size: 1.875rem;
        font-weight: 800;
    }

    .hero-subtext {
        font-size: 0.75rem;
    }

    .hero-right {
        max-width: 200px;
        height: 240px;
    }
}

/* ===== Feature Cards Section (Overlapping Hero) ===== */
.feature-cards-section {
    position: relative;
    z-index: 25;
    margin-top: -4.5rem;
    padding-bottom: 2rem;
}

.feature-cards-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    max-width: 100%;
}

.feature-card-item {
    background: #ffffff;
    border-radius: 1.25rem;
    padding: 2rem 1.75rem;
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.1);
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.feature-card-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--primary-color);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.feature-card-item:hover::before {
    transform: scaleX(1);
}

.feature-card-item:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 48px rgba(0, 0, 0, 0.14);
}

.feature-card-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    background: rgba(45, 138, 90, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.375rem;
    color: var(--primary-color);
    transition: all 0.3s ease;
}

.feature-card-item:hover .feature-card-icon {
    background: var(--primary-color);
    color: #ffffff;
}

.feature-card-title {
    font-size: 1.1875rem;
    font-weight: 700;
    margin: 0;
    line-height: 1.3;
}

.feature-card-title a {
    color: var(--text-color);
    text-decoration: none;
    transition: color 0.3s ease;
}

.feature-card-title a:hover {
    color: var(--primary-color);
}

.feature-card-desc {
    font-size: 0.9375rem;
    color: var(--text-light);
    line-height: 1.6;
    margin: 0;
    flex-grow: 1;
}

.feature-card-arrow {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    border: 1.5px solid var(--border-color);
    color: var(--text-light);
    font-size: 0.875rem;
    transition: all 0.3s ease;
    text-decoration: none;
    margin-top: 0.5rem;
}

.feature-card-arrow:hover,
.feature-card-item:hover .feature-card-arrow {
    background: var(--primary-color);
    border-color: var(--primary-color);
    color: #ffffff;
    transform: translateX(4px);
}

/* Feature Cards Responsive */
@media (max-width: 1024px) {
    .feature-cards-section {
        margin-top: -3.5rem;
    }

    .feature-card-item {
        padding: 1.75rem 1.5rem;
    }
}

@media (max-width: 768px) {
    .feature-cards-section {
        margin-top: -3rem;
        padding-bottom: 1.5rem;
    }

    .feature-cards-row {
        display: flex;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        gap: 1rem;
        padding: 0 0.5rem 1rem;
        margin: 0 -0.75rem;
    }

    .feature-cards-row::-webkit-scrollbar {
        display: none;
    }

    .feature-card-item {
        flex: 0 0 80%;
        max-width: 80%;
        scroll-snap-align: start;
        padding: 1.5rem 1.25rem;
        box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    }

    .feature-card-icon {
        width: 48px;
        height: 48px;
        font-size: 1.25rem;
    }

    .feature-card-title {
        font-size: 1.0625rem;
    }

    .feature-card-desc {
        font-size: 0.875rem;
    }

    .feature-card-arrow {
        width: 36px;
        height: 36px;
    }
}

@media (max-width: 480px) {
    .feature-cards-section {
        margin-top: -2.5rem;
    }

    .feature-card-item {
        flex: 0 0 85%;
        max-width: 85%;
    }
}

@media (max-width: 360px) {
    .feature-card-item {
        flex: 0 0 90%;
        max-width: 90%;
        padding: 1.25rem 1rem;
    }
}

/* Logo Carousel Section - Updated for Swiper */
.logo-carousel-section {
    width: 100%;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.92), rgba(241, 248, 244, 0.98));
    padding: 1.35rem 0 1.65rem;
    overflow: hidden;
    position: relative;
    border-bottom: 1px solid rgba(17, 55, 45, 0.06);
}

.logo-marquee {
    position: relative;
    overflow: hidden;
    overflow-x: clip;
    contain: paint;
    mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}

.logo-marquee-track {
    display: flex;
    align-items: center;
    gap: 1rem;
    width: max-content;
    animation: lender-marquee 26s linear infinite;
}

.logo-marquee:hover .logo-marquee-track {
    animation-play-state: paused;
}

.logo-item {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 168px;
    height: 84px;
    padding: 1rem 1.25rem;
    background: rgba(255, 255, 255, 0.9);
    border: 1px solid rgba(17, 55, 45, 0.08);
    border-radius: 1.2rem;
    box-shadow: 0 8px 24px rgba(14, 38, 33, 0.06);
    transition: transform 0.25s ease, box-shadow 0.25s ease, filter 0.25s ease;
}

.logo-item:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 30px rgba(14, 38, 33, 0.1);
    filter: none;
}

.logo-item img {
    width: auto;
    height: 38px;
    max-width: 120px;
    object-fit: contain;
}

@keyframes lender-marquee {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

/* Swiper Navigation Buttons */
.swiper-button-next,
.swiper-button-prev {
    color: var(--primary-color);
    background-color: white;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-md);
    transition: all 0.3s ease;
}

.swiper-button-next:hover,
.swiper-button-prev:hover {
    background-color: var(--primary-color);
    color: white;
    transform: scale(1.1);
}

.swiper-button-next::after,
.swiper-button-prev::after {
    font-size: 16px;
}

.swiper-pagination-bullet {
    background-color: var(--border-color);
    opacity: 0.5;
    transition: all 0.3s ease;
}

.swiper-pagination-bullet-active {
    background-color: var(--primary-color);
    opacity: 1;
}

/* Loan Products Cards Section */
.loan-products-cards {
    padding: 4rem 0 4.6rem;
    background:
        radial-gradient(circle at 16% 20%, rgba(161, 226, 198, 0.16), transparent 18%),
        linear-gradient(180deg, #f8fcf9 0%, #ffffff 100%);
    margin-top: 0;
    position: relative;
    z-index: 20;
}

.loan-cards-wrapper {
    /* overflow-x: auto; */
    /* overflow-y: hidden; */
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    -ms-overflow-style: none;
    position: relative;
}

/* Equal height cards - Loan Products */
.loan-cards-wrapper > .row {
    display: flex;
    flex-wrap: wrap;
    row-gap: 1.4rem;
}

.loan-cards-wrapper > .row > [class*="col-"] {
    display: flex;
    flex-direction: column;
}

.loan-cards-wrapper > .row > [class*="col-"] > .loan-card {
    height: 100%;
    flex: 1;
}

.loan-cards-wrapper::-webkit-scrollbar {
    display: none;
}

.loan-cards-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    max-width: 100%;
    margin: 0 auto;
    background-color: white;
    border-radius: 1.5rem;
    box-shadow: 0 4px 20px 0 rgba(0, 0, 0, 0.08);
    overflow: hidden;
}

@media (max-width: 1200px) {
    .loan-cards-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .loan-cards-grid {
        grid-template-columns: 1fr;
    }
}

.loan-card {
    background: rgba(255, 255, 255, 0.92);
    border: 1px solid rgba(17, 55, 45, 0.08);
    padding: 2rem 1.85rem;
    transition: background-color 0.3s ease;
    display: flex;
    flex-direction: column;
    position: relative;
    border-radius: 1.4rem;
    transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease;
    margin-bottom: 0;
    box-shadow: 0 14px 40px rgba(14, 38, 33, 0.06);
}

.loan-card:hover {
    box-shadow: 0 22px 44px rgba(14, 38, 33, 0.1);
    transform: translateY(-8px);
    border-color: rgba(45, 138, 90, 0.18);
    background-color: #ffffff;
}

/* Remove border for specific breakpoints */
@media (max-width: 1200px) {
    .loan-card:nth-child(2n) {
        border-right: none;
    }

    .loan-card:nth-child(3),
    .loan-card:nth-child(4) {
        border-top: 1px solid #e5e7eb;
    }
}

@media (max-width: 768px) {
    .loan-cards-wrapper {
        margin: 0;
        padding: 0;
    }

    .loan-card {
        min-width: unset;
        max-width: unset;
        width: 100%;
        border: 1px solid rgba(0, 0, 0, 0.08);
        border-radius: 1rem;
        min-height: auto;
        padding: 1.5rem 1.25rem;
        margin-bottom: 0;
    }

    .loan-card:hover {
        transform: none;
    }

    .loan-card-all-products {
        min-width: unset;
        max-width: unset;
    }
}

.loan-card-header {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1.1rem;
}

.loan-card-icon {
    width: 2.75rem;
    height: 2.75rem;
    color: var(--primary-color);
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: rgba(45, 138, 90, 0.08);
    border: 1px solid rgba(45, 138, 90, 0.1);
    border-radius: 0.85rem;
    font-size: 1.15rem;
}

.loan-card-category {
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--primary-color);
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.loan-card-title {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--text-color);
    margin-bottom: 0.85rem;
    margin-top: 0;
    line-height: 1.22;
}

.loan-card-description {
    font-size: 0.96rem;
    line-height: 1.65;
    color: var(--text-light);
    margin-bottom: 1.35rem;
}

.loan-card-features {
    list-style: none;
    padding: 0;
    margin: 0 0 1.65rem 0;
    flex-grow: 1;
}

.loan-card-features li {
    font-size: 0.9rem;
    color: var(--text-color);
    padding: 0.625rem 0;
    padding-left: 1.75rem;
    position: relative;
    line-height: 1.5;
}

.loan-card-features li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 1.125rem;
    height: 1.125rem;
    background-color: rgba(45, 138, 90, 0.1);
    border: 2px solid var(--primary-color);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.loan-card-features li::after {
    content: "\f00c";
    /* Font Awesome check */
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    /* solid icon */
    position: absolute;
    left: 0.25rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--primary-color);
    font-size: 0.75rem;
}

.loan-card-button {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.9rem 1.35rem;
    background-color: var(--primary-color);
    color: white;
    border-radius: 999px;
    font-weight: 600;
    font-size: 0.9375rem;
    text-decoration: none;
    transition: var(--transition);
    align-self: flex-start;
    border: none;
    cursor: pointer;
}

.loan-card-button:hover {
    background-color: var(--primary-hover);
    transform: translateX(4px);
    color: white;
}

.loan-card-button svg {
    width: 1.125rem;
    height: 1.125rem;
    transition: transform 0.3s ease;
}

.loan-card-button:hover svg {
    transform: translateX(4px);
}

.loan-card-button i {
    transition: transform 0.3s ease;
}

.loan-card-button:hover i {
    transform: translateX(4px);
}

/* All Products Card - Special Styling */
.loan-card-all-products {
    background: linear-gradient(145deg, #11372d 0%, #2d8a5a 100%);
    color: white;
    position: relative;
}

.loan-card-all-products:hover {
    background: linear-gradient(145deg, #164739 0%, #329565 100%);
}

.loan-card-all-products::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 150px;
    height: 150px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
    border-radius: 50%;
    transform: translate(30%, -30%);
}

.all-products-content {
    display: flex;
    flex-direction: column;
    height: 100%;
    z-index: 1;
    position: relative;
}

.all-products-icon {
    width: 4rem;
    height: 4rem;
    background-color: rgba(255, 255, 255, 0.2);
    border-radius: 1rem;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.all-products-icon i {
    font-size: 2rem;
    color: white;
}

.all-products-title {
    font-size: 1.5rem;
    font-weight: 700;
    color: white;
    margin: 0 0 1rem 0;
    line-height: 1.3;
}

.all-products-description {
    font-size: 0.9375rem;
    line-height: 1.6;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 2rem;
    flex-grow: 1;
}

.all-products-stats {
    display: flex;
    gap: 1.5rem;
    justify-content: space-around;
    padding: 1.5rem 0;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    border-bottom: 1px solid rgba(255, 255, 255, 0.2);
}

.stat-item {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.stat-number {
    font-size: 1.75rem;
    font-weight: 700;
    color: white;
    line-height: 1;
}

.stat-label {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.8);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

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

.all-products-button:hover {
    background-color: rgba(255, 255, 255, 0.95);
    transform: translateX(4px);
    color: var(--primary-hover);
}


/* Powerful Features Section */
.powerful-features {
    padding: 3rem 0 6rem;
    background-color: #fafbfc;
    overflow: hidden;
}

.section-header-center {
    text-align: center;
    margin-bottom: 2rem;
}

.section-badge {
    display: inline-block;
    padding: 0.5rem 1.25rem;
    background-color: rgba(255, 165, 0, 0.1);
    color: #ff9500;
    font-size: 0.875rem;
    font-weight: 600;
    border-radius: 2rem;
    margin-bottom: 1rem;
}

.section-title-large {
    font-size: 2.75rem;
    font-weight: 400;
    color: var(--text-color);
    line-height: 1.3;
    margin: 0;
}

.section-title-large strong {
    font-weight: 700;
}

.features-showcase {
    position: relative;
    padding: 0 0 0 3rem;
    max-width: 100%;
    overflow-x: auto;
    overflow-y: hidden;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
}

.features-showcase::-webkit-scrollbar {
    display: none;
}

.features-carousel {
    display: flex;
    gap: 1.5rem;
    padding-right: 3rem;
}

.feature-showcase-card {
    background-color: #e8e5f3;
    border-radius: 2rem;
    overflow: hidden;
    transition: all 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
    cursor: pointer;
    min-width: 320px;
    flex: 0 0 auto;
    display: flex;
    flex-direction: column;
    width: calc((100% - 4.5rem) / 4);
    border: none;
    box-shadow: none;
    position: relative;
    height: 480px;
}

.feature-showcase-card:hover {
    transform: scale(1.05) translateY(-8px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.12);
    z-index: 10;
    background-color: #ffffff;
}

.feature-showcase-image {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    height: 100%;
    overflow: hidden;
    background: transparent;
    border-radius: 2rem;
    transition: all 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.feature-showcase-card:nth-child(1) {
    background: linear-gradient(135deg, #e8e5f3 0%, #f0edf7 100%);
}

.feature-showcase-card:nth-child(2) {
    background: linear-gradient(135deg, #dbe7f5 0%, #edf4fb 100%);
}

.feature-showcase-card:nth-child(3) {
    background: linear-gradient(135deg, #a78bfa 0%, #c4b5fd 100%);
}

.feature-showcase-card:nth-child(4) {
    background: linear-gradient(135deg, #fce7f3 0%, #fdf2f8 100%);
}

.feature-showcase-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.15;
}

.feature-showcase-overlay {
    position: absolute;
    inset: 0;
    padding: 1.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

/* Feature Stats (Card 1) */
.feature-stats {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    width: 100%;
}

.stat-badge {
    background: white;
    border-radius: 0.875rem;
    padding: 0.875rem 1.125rem;
    display: flex;
    align-items: center;
    gap: 0.75rem;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

.stat-icon {
    width: 2.5rem;
    height: 2.5rem;
    border-radius: 0.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: bold;
}

.stat-income .stat-icon {
    background-color: #d1f4e0;
    color: #10b981;
}

.stat-expense .stat-icon {
    background-color: #ffd4d4;
    color: #ef4444;
}

.stat-label {
    font-size: 0.875rem;
    color: #fff;
}

.stat-value {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--text-color);
}

/* Bill Items (Card 2) */
.bill-items {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    width: 100%;
}

.bill-item {
    background: white;
    border-radius: 0.875rem;
    padding: 1rem 1.125rem;
    display: flex;
    gap: 0.875rem;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

.bill-icon {
    font-size: 2rem;
}

.bill-details {
    flex: 1;
}

.bill-name {
    font-weight: 600;
    color: var(--text-color);
    margin-bottom: 0.25rem;
}

.bill-date {
    font-size: 0.75rem;
    color: var(--text-light);
    margin-bottom: 0.75rem;
}

.bill-progress {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.progress-bar {
    flex: 1;
    height: 0.5rem;
    background-color: #e5e7eb;
    border-radius: 1rem;
    overflow: hidden;
}

.progress-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--primary-color), var(--primary-light));
    border-radius: 1rem;
    transition: width 0.3s ease;
}

.bill-amount {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--text-color);
    white-space: nowrap;
}

/* Wallet Display (Card 3) */
.wallet-display {
    width: 100%;
}

.wallet-balance {
    background: white;
    border-radius: 0.875rem;
    padding: 1.25rem;
    margin-bottom: 0.875rem;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

.balance-label {
    font-size: 0.875rem;
    color: var(--text-light);
    margin-bottom: 0.5rem;
}

.balance-amount {
    font-size: 2rem;
    font-weight: 700;
    color: var(--text-color);
}

.wallet-actions {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0.5rem;
}

.wallet-action {
    background: white;
    border-radius: 0.75rem;
    padding: 1rem 0.75rem;
    text-align: center;
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--text-color);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

/* Savings Display (Card 4) */
.savings-display {
    width: 100%;
}

.savings-card {
    background: linear-gradient(135deg, #7c3aed 0%, #a855f7 100%);
    border-radius: 0.875rem;
    padding: 1.5rem 1.25rem;
    color: white;
    box-shadow: 0 4px 12px rgba(124, 58, 237, 0.25);
}

.savings-header {
    font-size: 0.875rem;
    opacity: 0.9;
    margin-bottom: 0.5rem;
}

.savings-amount {
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
}

.savings-category {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.875rem;
}

.savings-percent {
    background: rgba(255, 255, 255, 0.2);
    padding: 0.25rem 0.75rem;
    border-radius: 1rem;
    font-weight: 600;
}

.feature-showcase-content {
    padding: 2.25rem 2rem 2rem;
    flex: 1;
    display: flex;
    flex-direction: column;
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    transition: all 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
    background-color: transparent;
    border-radius: 0 0 2rem 2rem;
    pointer-events: none;
}

.feature-showcase-title {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--text-color);
    margin: 0;
    line-height: 1.5;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.feature-showcase-description {
    font-size: 0.875rem;
    line-height: 1.65;
    color: #6b7280;
    margin: 0;
    max-height: 0;
    opacity: 0;
    overflow: hidden;
    transition: all 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
    transform: translateY(0);
}

/* Hover Effects - Title moves up minimal, description appears below */
.feature-showcase-card:hover .feature-showcase-title {
    transform: translateY(-115px);
    color: var(--text-color);
    position: relative;
    z-index: 15;
}

.feature-showcase-card:hover .feature-showcase-description {
    max-height: 150px;
    opacity: 1;
    margin-top: 0.5rem;
    transform: translateY(-115px);
}

.feature-showcase-card:hover .feature-showcase-content {
    padding-top: 2.25rem;
    padding-bottom: 2rem;
}

/* Carousel Navigation */
.carousel-nav {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    width: 3rem;
    height: 3rem;
    background: white;
    border: 1px solid var(--border-color);
    border-radius: 50%;
    display: none;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: var(--transition);
    z-index: 20;
}

.carousel-nav:hover {
    background-color: var(--primary-color);
    border-color: var(--primary-color);
    transform: translateY(-50%) scale(1.1);
}

.carousel-nav:hover svg {
    color: white;
}

.carousel-nav svg {
    width: 1.5rem;
    height: 1.5rem;
    color: var(--text-color);
}

.carousel-prev {
    left: 0.5rem;
}

.carousel-next {
    right: 1rem;
}

/* App Download Section */
.app-download {
    padding: 5rem 0;
    background-color: var(--bg-light);
    overflow: hidden;
}

.app-download-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
    text-align: center;
}

.app-download-left {
    padding-right: 2rem;
}

.app-download-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 1rem;
    background-color: rgba(45, 138, 90, 0.1);
    color: var(--primary-color);
    border-radius: 2rem;
    font-weight: 600;
    font-size: 0.875rem;
    margin-bottom: 1.5rem;
}

.app-download-badge i {
    font-size: 1rem;
}

.app-download-title {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--text-color);
    margin: 0 0 1rem 0;
    line-height: 1.2;
}

.app-download-description {
    font-size: 0.9375rem;
    line-height: 1.6;
    color: var(--text-light);
    margin-bottom: 1.5rem;
}

.app-store-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
}

.app-store-btn {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.875rem 1.5rem;
    background-color: var(--text-color);
    color: white;
    border-radius: 0.75rem;
    text-decoration: none;
    transition: all 0.3s ease;
    border: 2px solid var(--text-color);
}

.app-store-btn i {
    font-size: 1.75rem;
}

.app-store-btn div {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
}

.store-text {
    font-size: 0.625rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    opacity: 0.8;
}

.store-name {
    font-size: 1rem;
    font-weight: 600;
}

.app-store-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 16px rgba(0, 0, 0, 0.15);
    background-color: var(--primary-hover);
    border-color: var(--primary-hover);
}

.app-features {
    display: flex;
    gap: 2rem;
    margin-top: 2rem;
    flex-wrap: wrap;
}

.app-feature-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--text-color);
    font-size: 0.9375rem;
    font-weight: 500;
}

.app-feature-item i {
    color: var(--primary-color);
    font-size: 1.25rem;
}

.app-download-right {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 1.5rem;
}

.phone-mockups {
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    z-index: 2;
}

.phone-mockup {
    width: 180px;
    height: 360px;
    background-color: #1a1a1a;
    border-radius: 2rem;
    padding: 0.5rem;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
    position: relative;
}

.phone-mockup-left {
    transform: rotate(-5deg);
    z-index: 1;
}

.phone-mockup-right {
    transform: rotate(5deg);
    margin-left: -2rem;
    z-index: 2;
}

.phone-screen {
    width: 100%;
    height: 100%;
    background-color: white;
    border-radius: 1.5rem;
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.phone-status-bar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.5rem 1rem;
    font-size: 0.75rem;
    font-weight: 600;
    color: #000;
    background-color: white;
}

.phone-icons {
    display: flex;
    gap: 0.25rem;
    color: #000;
    font-size: 0.625rem;
}

.phone-content {
    padding: 1rem;
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 1rem;
    font-size: 0.75rem;
}

.phone-greeting {
    color: #666;
    margin: 0;
    font-size: 0.875rem;
}

.phone-balance {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.balance-label {
    font-size: 0.75rem;
    color: #666;
}

.balance-amount {
    font-size: 1.5rem;
    font-weight: 700;
    color: #000;
}

.balance-change {
    font-size: 0.875rem;
    font-weight: 600;
}

.balance-change.positive {
    color: #10b981;
}

.phone-portfolio h4 {
    font-size: 1rem;
    margin: 0.5rem 0;
    color: #000;
}

.portfolio-item {
    display: flex;
    justify-content: space-between;
    padding: 0.5rem 0;
    border-bottom: 1px solid #eee;
}

.portfolio-item span:first-child {
    font-weight: 600;
    color: #000;
}

.price {
    font-weight: 600;
}

.price.positive {
    color: #10b981;
}

.price.negative {
    color: #ef4444;
}

.phone-gains {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.gain-item {
    display: flex;
    justify-content: space-between;
    padding: 0.75rem;
    border-radius: 0.5rem;
    background-color: #f3f4f6;
}

.gain-item.positive {
    background-color: #d1fae5;
}

.gain-item.negative {
    background-color: #fee2e2;
}

.gain-item span:first-child {
    color: #666;
    font-size: 0.875rem;
}

.gain-item.positive span:last-child {
    color: #10b981;
    font-weight: 700;
}

.gain-item.negative span:last-child {
    color: #ef4444;
    font-weight: 700;
}

.qr-code-section {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    margin-top: 0;
}

.qr-code {
    background-color: white;
    padding: 0.5rem;
    border-radius: 0.5rem;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
}

.qr-code-text {
    font-size: 0.75rem;
    color: var(--text-light);
    text-align: center;
    max-width: 150px;
    margin: 0;
}

/* Buttons */
.btn {
    display: inline-block;
    padding: 0.75rem 2rem;
    border-radius: 0.5rem;
    font-weight: 600;
    text-align: center;
    transition: var(--transition);
    cursor: pointer;
    border: 2px solid transparent;
}

.btn-primary {
    background-color: var(--primary-color);
    color: #fff;
}

.btn-primary:hover {
    background-color: var(--primary-hover);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-hover);
}

.btn-secondary {
    background-color: transparent;
    color: white;
    border-color: white;
}

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

.section-title {
    text-align: center;
    margin-bottom: 3rem;
    color: var(--text-color);
}

/* Footer */
/* Footer */
.footer-modern {
    background-color: #050505;
    padding: 3rem 0 1.5rem;
    position: relative;
    overflow: hidden;
    color: white;
}

.footer-inner {
    position: relative;
    border-radius: 2rem 2rem 0 0;
    background-color: #0b0c0d;
    padding: 3rem 0 1.5rem;
}

.footer-gradient {
    position: absolute;
    inset: 0;
    background-image: url('https://images.unsplash.com/photo-1531746790731-6c087fecd65a?auto=format&fit=crop&w=1400&q=60');
    opacity: 0.05;
    z-index: 0;
}

.footer-container {
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    gap: 2.5rem;
    color: white;
}

.footer-top {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 2.5rem;
    align-items: start;
    padding-bottom: 2.5rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    margin-bottom: 1.5rem;
}

.subscribe-input {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    background-color: white;
    border-radius: 999px;
    padding: 0.35rem 0.35rem 0.35rem 1.25rem;
    transition: box-shadow 0.3s ease;
}

.subscribe-input:focus-within {
    box-shadow: 0 0 0 3px rgba(45, 138, 90, 0.2);
}

.subscribe-input button {
    width: 44px;
    height: 44px;
    border-radius: 999px;
    border: none;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-hover));
    font-size: 1rem;
    cursor: pointer;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
    flex-shrink: 0;
}

.subscribe-input button:hover {
    transform: scale(1.05);
    box-shadow: 0 4px 12px rgba(45, 138, 90, 0.3);
}

.subscribe-input input {
    flex: 1;
    border: none;
    outline: none;
    font-size: 0.9375rem;
    color: #0b0c0d;
    min-width: 0;
}

.subscribe-input input::placeholder {
    color: rgba(11, 12, 13, 0.5);
}

.subscribe-checkbox {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-top: 0.75rem;
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.7);
}

.footer-updates {
    max-width: 400px;
}

.footer-updates h3 {
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
    line-height: 1.3;
    font-weight: 600;
}

.footer-updates p {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 1rem;
    line-height: 1.5;
}

.footer-updates span {
    color: var(--primary-color);
}

.footer-logo-img {
    height: 45px;
    width: auto;
    display: block;
    margin-bottom: 0.75rem;
    filter: brightness(1.1);
    object-fit: contain;
}

.footer-logo .footer-brand {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
}

.footer-social h4 {
    margin-bottom: 0.75rem;
    font-size: 1rem;
    font-weight: 600;
}

.footer-social p {
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 1rem;
    line-height: 1.5;
}

.social-icons {
    display: flex;
    gap: 0.625rem;
    flex-wrap: wrap;
}

.social-icons a {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, 0.8);
    transition: all 0.3s ease;
    background-color: rgba(255, 255, 255, 0.05);
}

.social-icons a:hover {
    background-color: var(--primary-color);
    border-color: var(--primary-color);
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(45, 138, 90, 0.3);
}

.footer-links-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 2.5rem;
}

.footer-links-grid h4 {
    margin-bottom: 1rem;
    font-size: 1rem;
    font-weight: 600;
    color: white;
}

.footer-links-grid ul {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.footer-links-grid a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: all 0.25s ease;
    display: inline-flex;
    align-items: center;
    padding: 0.375rem 0;
    position: relative;
    font-size: 0.9375rem;
}

.footer-links-grid a::before {
    content: '';
    position: absolute;
    left: 0;
    bottom: 0.25rem;
    width: 0;
    height: 1px;
    background-color: var(--primary-color);
    transition: width 0.3s ease;
}

.footer-links-grid a:hover {
    color: white;
    padding-left: 0.625rem;
}

.footer-links-grid a:hover::before {
    width: calc(100% - 0.625rem);
}

.footer-bottom {
    padding-top: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
    font-size: 0.875rem;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-bottom p {
    color: rgba(255, 255, 255, 0.6);
    margin: 0;
}

.footer-legal {
    display: flex;
    align-items: center;
    gap: 1rem;
    color: rgba(255, 255, 255, 0.6);
    flex-wrap: wrap;
}

.footer-legal a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: color 0.2s ease;
    position: relative;
}

.footer-legal a::after {
    content: '';
    position: absolute;
    left: 0;
    bottom: -2px;
    width: 0;
    height: 1px;
    background-color: var(--primary-color);
    transition: width 0.3s ease;
}

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

.footer-legal a:hover::after {
    width: 100%;
}

@media (max-width: 992px) {
    .footer-modern {
        padding: 2rem 0 1rem;
    }

    .footer-inner {
        padding: 2.5rem 0 1.5rem;
        border-radius: 1.5rem 1.5rem 0 0;
    }

    .footer-top {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 2.5rem 2rem;
        padding-bottom: 2rem;
    }

    .footer-links-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 2rem;
    }

    .footer-updates {
        grid-column: span 2;
        max-width: 100%;
    }

    .footer-logo,
    .footer-social {
        display: flex;
        flex-direction: column;
        justify-content: flex-start;
    }
}

@media (max-width: 768px) {
    .footer-modern {
        padding: 1.5rem 0 0.75rem;
    }

    .footer-inner {
        padding: 2rem 0 1rem;
        border-radius: 1rem 1rem 0 0;
    }

    .footer-container {
        gap: 2rem;
        padding: 0 1.5rem;
    }

    .footer-top {
        grid-template-columns: repeat(2, 1fr);
        gap: 2rem 1.5rem;
        padding-bottom: 1.5rem;
        margin-bottom: 1.5rem;
    }

    .footer-updates {
        grid-column: span 2;
    }

    .footer-updates h3 {
        font-size: 1.375rem;
    }

    .subscribe-input {
        max-width: 100%;
    }

    .footer-links-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 2rem 1.5rem;
    }

    .footer-links-grid h4 {
        text-align: left;
        font-size: 0.9375rem;
    }

    .footer-links-grid ul {
        align-items: flex-start;
    }

    .footer-links-grid a {
        font-size: 0.875rem;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
        padding-top: 1.25rem;
        gap: 0.75rem;
    }

    .footer-legal {
        justify-content: center;
        gap: 0.75rem;
    }
}

@media (max-width: 480px) {
    .footer-inner {
        padding: 1.5rem 0 0.75rem;
    }

    .footer-container {
        padding: 0 1rem;
    }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 1.5rem;
        padding-bottom: 1.25rem;
        margin-bottom: 1.25rem;
    }

    .footer-updates {
        grid-column: auto;
    }

    .footer-links-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem 1rem;
    }

    .footer-updates h3 {
        font-size: 1.25rem;
        line-height: 1.25;
    }

    .footer-updates p {
        font-size: 0.875rem;
    }

    .subscribe-input {
        padding: 0.3rem 0.3rem 0.3rem 1rem;
    }

    .subscribe-input button {
        width: 40px;
        height: 40px;
        font-size: 0.9375rem;
    }

    .subscribe-input input {
        font-size: 0.875rem;
    }

    .subscribe-checkbox {
        font-size: 0.8125rem;
    }

    .footer-logo-img {
        height: 38px;
    }

    .social-icons {
        gap: 0.5rem;
    }

    .social-icons a {
        width: 38px;
        height: 38px;
        font-size: 0.875rem;
    }

    .footer-links-grid h4 {
        font-size: 0.875rem;
        margin-bottom: 0.625rem;
    }

    .footer-links-grid a {
        font-size: 0.8125rem;
        padding: 0.25rem 0;
    }

    .footer-bottom {
        font-size: 0.8125rem;
        padding-top: 1rem;
    }

    .footer-legal {
        flex-direction: column;
        gap: 0.5rem;
        font-size: 0.8125rem;
    }
}

/* How It Works Section */
.how-works {
    position: relative;
    padding: 5rem 0;
    background: #f8faf9;
    overflow: hidden;
}

.how-header {
    text-align: center;
    margin-bottom: 3.5rem;
}

.section-label {
    display: inline-block;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--primary-color);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 1rem;
}

.how-header h2 {
    font-size: 2.5rem;
    margin: 0 0 1rem 0;
    line-height: 1.2;
    color: var(--text-color);
    font-weight: 700;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.how-header h2 span {
    color: var(--primary-color);
}

.how-header p {
    color: var(--text-light);
    font-size: 1.0625rem;
    line-height: 1.6;
    max-width: 550px;
    margin: 0 auto;
}

/* Steps Track */
.hw-steps-track {
    position: relative;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
}

/* Horizontal progress line behind badges */
.hw-progress-line {
    position: absolute;
    top: 36px;
    left: 60px;
    right: 60px;
    height: 3px;
    background: #e0e7e2;
    z-index: 0;
}

.hw-progress-line::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, var(--primary-color) 0%, var(--primary-color) 75%, #e0e7e2 75%);
    border-radius: 2px;
}

/* Each Step */
.hw-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    position: relative;
    z-index: 1;
}

/* Badge = number circle + icon below */
.hw-step-badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.hw-step-number {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: #ffffff;
    border: 3px solid var(--primary-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary-color);
    transition: all 0.3s ease;
    box-shadow: 0 4px 16px rgba(45, 138, 90, 0.15);
}

.hw-step:hover .hw-step-number {
    background: var(--primary-color);
    color: #ffffff;
    transform: scale(1.1);
    box-shadow: 0 8px 28px rgba(45, 138, 90, 0.35);
}

.hw-step-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: rgba(45, 138, 90, 0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    color: var(--primary-color);
    transition: all 0.3s ease;
}

.hw-step:hover .hw-step-icon {
    background: rgba(45, 138, 90, 0.15);
    transform: translateY(-2px);
}

/* Step Content */
.hw-step-content {
    max-width: 240px;
}

.hw-step-content h3 {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--text-color);
    margin: 0 0 0.5rem 0;
    transition: color 0.3s ease;
}

.hw-step:hover .hw-step-content h3 {
    color: var(--primary-color);
}

.hw-step-content p {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
    margin: 0;
}

/* Bottom CTA */
.hw-bottom-cta {
    text-align: center;
    margin-top: 3.5rem;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.75rem;
}

.hw-apply-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.625rem;
    padding: 1rem 2.25rem;
    background: var(--primary-color);
    color: #ffffff;
    text-decoration: none;
    border-radius: 0.625rem;
    font-weight: 600;
    font-size: 1rem;
    transition: all 0.3s ease;
    box-shadow: 0 4px 16px rgba(45, 138, 90, 0.25);
}

.hw-apply-btn:hover {
    background: var(--primary-dark);
    color: #ffffff;
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(45, 138, 90, 0.35);
}

.hw-apply-btn i {
    transition: transform 0.3s ease;
    font-size: 0.875rem;
}

.hw-apply-btn:hover i {
    transform: translateX(4px);
}

.hw-cta-note {
    font-size: 0.8125rem;
    color: var(--text-light);
}

/* Tablet: 2 columns */
@media (max-width: 992px) {
    .hw-steps-track {
        grid-template-columns: repeat(2, 1fr);
        gap: 2.5rem 2rem;
    }

    .hw-progress-line {
        display: none;
    }
}

@media (max-width: 768px) {
    .how-works {
        padding: 3.5rem 0;
    }

    .how-header h2 {
        font-size: 2rem;
    }

    .how-header p {
        font-size: 0.9375rem;
    }

    .hw-step-number {
        width: 60px;
        height: 60px;
        font-size: 1.25rem;
    }

    .hw-step-icon {
        width: 42px;
        height: 42px;
        font-size: 1.1rem;
    }

    .hw-step-content h3 {
        font-size: 1rem;
    }

    .hw-step-content p {
        font-size: 0.8125rem;
    }

    .hw-bottom-cta {
        margin-top: 2.5rem;
    }

    .loan-products-cards {
        margin-top: 0;
    }
}

/* Mobile: horizontal scroll */
@media (max-width: 576px) {
    .hw-steps-track {
        display: flex;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        gap: 1rem;
        margin: 0 -1.25rem;
        padding: 0.5rem 1.25rem 1rem;
    }

    .hw-steps-track::-webkit-scrollbar {
        display: none;
    }

    .hw-step {
        flex: 0 0 72%;
        max-width: 72%;
        scroll-snap-align: start;
        background: #ffffff;
        border-radius: 1rem;
        padding: 1.5rem 1.25rem;
        box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
        border: 1px solid #e8ede9;
    }

    .hw-step-badge {
        flex-direction: row;
        gap: 0.75rem;
        margin-bottom: 1rem;
    }

    .hw-step-number {
        width: 48px;
        height: 48px;
        font-size: 1.1rem;
        border-width: 2px;
    }

    .hw-step-icon {
        width: 40px;
        height: 40px;
        font-size: 1rem;
    }

    .hw-step-content {
        text-align: left;
        max-width: none;
    }

    .loan-products-cards {
        margin-top: 0;
    }
}

/* Consultation Section */
.consultation {
    background: #175557;
    padding: 5rem 0;
    position: relative;
    overflow: hidden;
}

.consultation::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 60%;
    height: 120%;
    background: radial-gradient(ellipse, rgba(45, 138, 90, 0.2) 0%, transparent 70%);
    pointer-events: none;
}

.consultation-grid {
    display: grid;
    grid-template-columns: 0.85fr 1.15fr;
    gap: 2rem;
    position: relative;
    z-index: 1;
}

.consultation-plans {
    background-color: #ffffff;
    border-radius: 1.5rem;
    padding: 2.5rem;
    border: none;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
}

.plan-heading h3 {
    margin: 0.5rem 0 0.75rem 0;
    font-size: 1.75rem;
    color: var(--text-color);
}

.plan-heading p {
    color: var(--text-light);
    font-size: 0.95rem;
    margin-bottom: 1.5rem;
}

.plan-label {
    text-transform: uppercase;
    letter-spacing: 0.3em;
    font-size: 0.75rem;
    color: var(--text-light);
}

/* Loan Type Selection */
.loan-type-main {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    margin-bottom: 2rem;
}

.loan-type-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.75rem;
    padding: 1.5rem 1rem;
    border-radius: 1rem;
    border: 2px solid #e8ede9;
    background-color: #f8faf9;
    cursor: pointer;
    transition: all 0.3s ease;
    text-align: center;
}

.loan-type-card:hover {
    border-color: var(--primary-color);
    background-color: #ffffff;
    transform: translateY(-2px);
    box-shadow: 0 8px 16px rgba(45, 138, 90, 0.12);
}

.loan-type-card.active {
    border-color: var(--primary-color);
    background: #ffffff;
    box-shadow: 0 4px 16px rgba(45, 138, 90, 0.2);
}

.loan-type-icon {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
}

.loan-type-card.active .loan-type-icon {
    background: linear-gradient(135deg, var(--primary-hover), var(--primary-color));
    transform: scale(1.1);
}

.loan-type-name {
    font-weight: 600;
    color: var(--text-color);
    font-size: 1rem;
}

.loan-type-card small {
    color: var(--text-light);
    font-size: 0.875rem;
}

/* More Loan Types */
.more-loan-types {
    margin-bottom: 2rem;
}

.more-label {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--text-light);
    margin-bottom: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.loan-type-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
}

.loan-pill {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.625rem 1rem;
    border-radius: 999px;
    border: 1px solid var(--border-color);
    background-color: white;
    color: var(--text-color);
    font-size: 0.875rem;
    cursor: pointer;
    transition: all 0.3s ease;
}

.loan-pill:hover {
    border-color: var(--primary-color);
    background-color: rgba(45, 138, 90, 0.05);
    transform: translateY(-1px);
}

.loan-pill.active {
    border-color: var(--primary-color);
    background-color: var(--primary-color);
    color: white;
}

.loan-pill i {
    font-size: 1rem;
}

/* Loan Benefits */
.loan-benefits {
    background-color: #f0f7f2;
    border-radius: 0.75rem;
    padding: 1.5rem;
    border: 1px solid rgba(45, 138, 90, 0.12);
}

.loan-benefits h4 {
    font-size: 1.125rem;
    color: var(--text-color);
    margin-bottom: 1rem;
}

.loan-benefits ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.loan-benefits li {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    margin-bottom: 0.75rem;
    font-size: 0.9375rem;
    color: var(--text-light);
}

.loan-benefits li:last-child {
    margin-bottom: 0;
}

.loan-benefits li i {
    color: var(--primary-color);
    font-size: 1.125rem;
    flex-shrink: 0;
    margin-top: 0.125rem;
}

.plan-options {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.plan-option {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1.25rem;
    border-radius: 999px;
    border: 1px solid var(--border-color);
    background-color: white;
    color: var(--text-color);
    padding: 1rem 1.25rem;
    cursor: pointer;
    transition: all 0.2s ease;
}

.plan-option.active {
    border-color: rgba(45, 138, 90, 0.8);
    background: rgba(45, 138, 90, 0.15);
    box-shadow: 0 12px 35px rgba(45, 138, 90, 0.25);
}

.plan-option small {
    display: block;
    color: var(--text-light);
}

.plan-meta {
    text-align: right;
}

.plan-price {
    font-weight: 700;
}

.plan-action {
    display: block;
    font-size: 0.85rem;
    color: var(--text-light);
}

.plan-details {
    margin-top: 2rem;
    border-top: 1px solid var(--border-color);
    padding-top: 1.5rem;
}

.plan-details ul {
    list-style: none;
    padding: 0;
    margin: 1rem 0 0 0;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.plan-details li {
    position: relative;
    padding-left: 1.5rem;
}

.plan-details li::before {
    content: "✔";
    position: absolute;
    left: 0;
    color: var(--primary-color);
}

.consultation-form {
    background-color: #ffffff;
    color: var(--text-color);
    border-radius: 1.5rem;
    padding: 2.5rem;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
    border-top: 4px solid var(--primary-color);
}

.consultation-form h2 {
    margin-bottom: 0.75rem;
    font-size: 1.75rem;
}

.consultation-form>p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
    font-size: 0.95rem;
}

/* Selected Loan Badge */
.selected-loan-badge {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem 1.25rem;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    border-radius: 0.75rem;
    margin-bottom: 1.5rem;
    color: white;
    box-shadow: 0 4px 12px rgba(45, 138, 90, 0.25);
}

.badge-icon {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.2);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    flex-shrink: 0;
}

.badge-content {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 0.125rem;
}

.badge-label {
    font-size: 0.75rem;
    opacity: 0.9;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.badge-loan-name {
    font-size: 1.125rem;
    font-weight: 600;
}

.badge-change {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.2);
    border: 1px solid rgba(255, 255, 255, 0.3);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.3s ease;
    flex-shrink: 0;
}

.badge-change:hover {
    background-color: rgba(255, 255, 255, 0.3);
    transform: scale(1.05);
}

/* Bootstrap Form Validation Styles */
.form-label {
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: var(--text-color);
}

.form-control,
.form-select {
    border: 1px solid var(--border-color);
    border-radius: 0.5rem;
    padding: 0.75rem 1rem;
    font-size: 1rem;
    transition: all 0.3s ease;
    background-color: white;
}

.form-control:focus,
.form-select:focus {
    border-color: var(--primary-color);
    box-shadow: 0 0 0 0.2rem rgba(45, 138, 90, 0.25);
    outline: 0;
}

.form-control.is-invalid,
.form-select.is-invalid {
    border-color: #dc3545;
    padding-right: calc(1.5em + 0.75rem);
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12' width='12' height='12' fill='none' stroke='%23dc3545'%3e%3ccircle cx='6' cy='6' r='4.5'/%3e%3cpath stroke-linejoin='round' d='M5.8 3.6h.4L6 6.5l.2 2.9H6c-.6 0-1.1-.4-1.4-.9l-.8-1.8c-.3-.5-.8-.9-1.4-.9H4c-.6 0-1.1.4-1.4.9l-.8 1.8c-.3.5-.8.9-1.4.9H3c-.6 0-1.1-.4-1.4-.9l-.8-1.8c-.3-.5-.8-.9-1.4-.9H1c-.6 0-1.1.4-1.4.9l-.8 1.8c-.3.5-.8.9-1.4.9H0c-.6 0-1.1-.4-1.4-.9l-.8-1.8c-.3-.5-.8-.9-1.4-.9z'/%3e%3c/svg%3e");
    background-repeat: no-repeat;
    background-position: right calc(0.375em + 0.1875rem) center;
    background-size: calc(0.75em + 0.375rem) calc(0.75em + 0.375rem);
}

.invalid-feedback {
    display: none;
    width: 100%;
    margin-top: 0.25rem;
    font-size: 0.875rem;
    color: #dc3545;
}

.form-control.is-invalid~.invalid-feedback,
.form-select.is-invalid~.invalid-feedback {
    display: block;
}

.input-group {
    position: relative;
    display: flex;
    align-items: stretch;
    width: 100%;
}

.input-group-text {
    display: flex;
    align-items: center;
    padding: 0.75rem 1rem;
    color: var(--text-light);
    background-color: var(--bg-light);
    border: 1px solid var(--border-color);
    border-right: 0;
    border-radius: 0.5rem 0 0 0.5rem;
}

.input-group .form-control {
    border-top-left-radius: 0;
    border-bottom-left-radius: 0;
}

.form-check {
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    margin-bottom: 1rem;
}

.form-check-input {
    margin-top: 0.25rem;
}

.form-check-label {
    font-size: 0.95rem;
    color: var(--text-color);
    cursor: pointer;
}

.form-check-label a {
    color: var(--primary-color);
    text-decoration: none;
    font-weight: 600;
}

.form-check-label a:hover {
    text-decoration: underline;
}

/* Original Form Enhancements */
.required {
    color: #dc3545;
}

.form-note {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-top: 1rem;
    font-size: 0.875rem;
    color: var(--text-light);
    text-align: center;
    justify-content: center;
}

.form-note i {
    color: var(--primary-color);
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.25rem;
    margin-bottom: 1.5rem;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.consultation-form label {
    display: flex;
    align-items: center;
    gap: 0.35rem;
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--text-color);
    margin-bottom: 0;
}

.consultation-form label .required {
    color: #ef4444;
}

.consultation-form input,
.consultation-form select,
.consultation-form textarea {
    border: 1px solid rgba(148, 163, 184, 0.6);
    border-radius: 0.75rem;
    padding: 0.85rem 1rem;
    font-size: 1rem;
    font-family: inherit;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
    width: 100%;
    background-color: #fff;
}

.consultation-form .input-group {
    display: flex;
    align-items: stretch;
}

.consultation-form .input-group .input-group-text {
    background-color: #f8fafc;
    border: 1px solid rgba(148, 163, 184, 0.6);
    border-right: none;
    border-radius: 0.75rem 0 0 0.75rem;
    padding: 0 1rem;
    display: flex;
    align-items: center;
    color: var(--text-light);
}

.consultation-form .input-group input {
    border-radius: 0 0.75rem 0.75rem 0;
    border-left: none;
}

.consultation-form input:focus,
.consultation-form select:focus,
.consultation-form textarea:focus {
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(45, 138, 90, 0.15);
    outline: none;
}

.consultation-form .input-group input:focus {
    border-left: none;
}

.consultation-form .input-group:focus-within .input-group-text {
    border-color: var(--primary-color);
}

.form-check-wrapper {
    margin-bottom: 1.25rem;
    padding: 1rem;
    background-color: #f8fafc;
    border-radius: 0.75rem;
    border: 1px solid #e5e7eb;
}

.form-check {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
}

.form-check-input {
    width: 1.25rem;
    height: 1.25rem;
    min-width: 1.25rem;
    margin: 0;
    margin-top: 0.1rem;
    cursor: pointer;
    accent-color: var(--primary-color);
    border: 2px solid #cbd5e1;
    border-radius: 0.25rem;
    appearance: none;
    -webkit-appearance: none;
    background-color: white;
    transition: all 0.2s ease;
}

.form-check-input:checked {
    background-color: var(--primary-color);
    border-color: var(--primary-color);
    background-image: url("data:image/svg+xml,%3csvg viewBox='0 0 16 16' fill='white' xmlns='http://www.w3.org/2000/svg'%3e%3cpath d='M12.207 4.793a1 1 0 010 1.414l-5 5a1 1 0 01-1.414 0l-2-2a1 1 0 011.414-1.414L6.5 9.086l4.293-4.293a1 1 0 011.414 0z'/%3e%3c/svg%3e");
    background-size: 100%;
    background-position: center;
    background-repeat: no-repeat;
}

.form-check-input:focus {
    outline: none;
    box-shadow: 0 0 0 3px rgba(45, 138, 90, 0.2);
}

.form-check-label {
    font-size: 0.9rem;
    color: var(--text-color);
    cursor: pointer;
    line-height: 1.5;
    flex: 1;
}

.form-check-label a {
    color: var(--primary-color);
    text-decoration: underline;
    font-weight: 500;
}

.form-check-label a:hover {
    text-decoration: none;
}

.submit-btn {
    margin-top: 0.5rem;
    border: none;
    background-color: var(--primary-color);
    color: white;
    font-weight: 600;
    padding: 1rem 2rem;
    border-radius: 0.75rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
    cursor: pointer;
    transition: all 0.3s ease;
    font-size: 1rem;
    width: 100%;
    box-shadow: 0 4px 12px rgba(45, 138, 90, 0.25);
}

.consultation-form .form-text {
    text-align: center;
    margin-top: 1rem;
    font-size: 0.85rem;
}

.consultation-form .form-text i {
    margin-right: 0.35rem;
    color: var(--primary-color);
}

.btn-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: transform 0.3s ease;
}

.btn-icon i {
    font-size: 1rem;
}

.submit-btn:hover {
    transform: translateY(-2px);
    background-color: var(--primary-hover);
    box-shadow: 0 8px 20px rgba(99, 205, 139, 0.4);
}

.submit-btn:hover .btn-icon {
    transform: translateX(4px);
}

@media (max-width: 992px) {
    .consultation-grid {
        grid-template-columns: 1fr;
    }

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

    .form-check-wrapper {
        padding: 0.875rem;
    }

    .submit-btn {
        padding: 0.9rem 1.5rem;
        font-size: 0.95rem;
    }
}

@media (max-width: 768px) {
    .consultation {
        padding: 3.5rem 0;
    }

    .consultation-plans,
    .consultation-form {
        padding: 1.5rem;
    }

    .form-check-wrapper {
        padding: 0.75rem;
    }

    .form-check {
        gap: 0.6rem;
    }

    .form-check-input {
        width: 1.1rem;
        height: 1.1rem;
        min-width: 1.1rem;
    }

    .form-check-label {
        font-size: 0.85rem;
        line-height: 1.4;
    }

    .submit-btn {
        padding: 0.85rem 1.25rem;
        font-size: 0.9rem;
        gap: 0.5rem;
    }

    .btn-icon i {
        font-size: 0.9rem;
    }

    .consultation-form .form-text {
        font-size: 0.8rem;
    }

    .loan-type-main {
        grid-template-columns: repeat(3, 1fr);
        gap: 0.75rem;
        margin-bottom: 1.5rem;
    }

    .loan-type-card {
        padding: 1rem 0.75rem;
        gap: 0.5rem;
    }

    .loan-type-icon {
        width: 40px;
        height: 40px;
        font-size: 1.25rem;
    }

    .loan-type-name {
        font-size: 0.875rem;
    }

    .loan-type-card small {
        display: none;
    }

    .loan-type-pills {
        gap: 0.5rem;
    }

    .loan-pill {
        flex: 1;
        min-width: fit-content;
    }

    .selected-loan-badge {
        padding: 0.875rem 1rem;
    }

    .badge-loan-name {
        font-size: 1rem;
    }
}

/* Partners & Testimonials Showcase */
.partners-showcase {
    padding: 5rem 0;
    background: #ffffff;
}

/* Partners Logos Block */
.partners-logos-block {
    text-align: center;
    margin-bottom: 4rem;
    padding-bottom: 3.5rem;
    border-bottom: 1px solid #e5e7eb;
}

.partners-label {
    text-align: center;
    font-size: 0.8125rem;
    text-transform: uppercase;
    letter-spacing: 0.25em;
    color: var(--text-light);
    margin-bottom: 1.5rem;
    font-weight: 600;
}

.partner-logos {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 1rem 2.5rem;
}

.partner-logo-item {
    display: flex;
    align-items: center;
    justify-content: center;
    background: #f8faf9;
    border-radius: 12px;
    padding: 0.875rem 1.5rem;
    border: 1px solid #f0f0f0;
    transition: all 0.3s ease;
}

.partner-logo-item:hover {
    background: #f0f7f2;
    border-color: rgba(45, 138, 90, 0.2);
    transform: translateY(-3px);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.06);
}

.partner-logo-item img {
    max-height: 44px;
    max-width: 110px;
    width: auto;
    height: auto;
    object-fit: contain;
    opacity: 0.7;
    transition: all 0.3s ease;
    filter: grayscale(40%);
}

.partner-logo-item:first-child img {
    max-height: 52px;
    max-width: 130px;
    filter: none;
    opacity: 1;
}

.partner-logo-item:hover img {
    opacity: 1;
    filter: none;
}

/* Testimonials Block */
.testimonials-block {
    position: relative;
}

.testimonials-header {
    display: flex;
    justify-content: space-between;
    align-items: end;
    gap: 2rem;
    margin-bottom: 2.5rem;
}

.testimonials-header-copy {
    max-width: 760px;
}

.testimonials-intro {
    margin: 1rem 0 0;
    font-size: 1rem;
    line-height: 1.7;
    color: var(--text-light);
}

.testimonials-nav {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.testimonial-nav-btn {
    width: 3rem;
    height: 3rem;
    border: none;
    border-radius: 0.95rem;
    background: #eaf4ef;
    color: #143b2d;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: transform 0.25s ease, background 0.25s ease, color 0.25s ease;
}

.testimonial-nav-btn:hover {
    background: var(--primary-color);
    color: #ffffff;
    transform: translateY(-2px);
}

.partners-title {
    text-align: left;
    font-size: clamp(2.2rem, 4vw, 4rem);
    margin: 0;
    color: var(--text-color);
    font-weight: 700;
    line-height: 1.02;
}

.partners-title span {
    color: var(--primary-color);
}

.testimonial-slider {
    overflow: visible;
}

/* Equal height cards - Testimonials Swiper */
.testimonial-slider .swiper-wrapper {
    align-items: stretch;
}

.testimonial-slider .swiper-slide {
    height: auto;
    display: flex;
}

.testimonial-story-card {
    position: relative;
    min-height: 520px;
    border-radius: 1.55rem;
    overflow: hidden;
    display: flex;
    align-items: stretch;
    box-shadow: 0 18px 40px rgba(14, 38, 33, 0.12);
}

.testimonial-story-media {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    display: block;
}

.testimonial-story-overlay {
    position: absolute;
    inset: 0;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    padding: 1.35rem 1.35rem 1.5rem;
    background:
        linear-gradient(180deg, rgba(14, 30, 24, 0.08) 0%, rgba(14, 30, 24, 0.18) 36%, rgba(10, 22, 18, 0.78) 100%);
}

.testimonial-story-brand {
    display: inline-flex;
    align-self: flex-start;
    padding: 0.35rem 0.7rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.18);
    color: #ffffff;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
}

.testimonial-story-quote-mark {
    width: 2.8rem;
    height: 2.8rem;
    border-radius: 0.9rem;
    background: rgba(255, 255, 255, 0.14);
    color: #ffffff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    margin-bottom: 1rem;
}

.testimonial-story-quote {
    margin: auto 0 1.4rem;
    color: #ffffff;
    font-size: 1.12rem;
    line-height: 1.45;
    font-weight: 500;
    text-wrap: balance;
}

.testimonial-story-meta {
    display: flex;
    justify-content: space-between;
    align-items: end;
    gap: 1rem;
    color: #ffffff;
}

.testimonial-story-meta h4 {
    margin: 0;
    font-size: 1.02rem;
    font-weight: 700;
}

.testimonial-story-meta p {
    margin: 0.2rem 0 0;
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.8);
}

.testimonial-story-stars {
    color: #f3d45b;
    font-size: 0.82rem;
    letter-spacing: 0.18em;
    white-space: nowrap;
}

/* Trust Indicators Bar */
.testimonials-trust {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 2rem;
    margin-top: 2.5rem;
    padding-top: 2rem;
    flex-wrap: wrap;
}

.trust-item {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: #f0f7f2;
    border: 1px solid rgba(45, 138, 90, 0.15);
    padding: 0.625rem 1.25rem;
    border-radius: 999px;
    font-size: 0.875rem;
    font-weight: 600;
    color: #175557;
}

.trust-item i {
    color: var(--primary-color);
    font-size: 0.8125rem;
}

@media (max-width: 768px) {
    .partners-showcase {
        padding: 3.5rem 0;
    }

    .partners-logos-block {
        margin-bottom: 2.5rem;
        padding-bottom: 2.5rem;
    }

    .testimonial-card {
        padding: 1.5rem;
    }

    .testimonials-trust {
        gap: 0.75rem;
    }

    .trust-item {
        font-size: 0.8125rem;
        padding: 0.5rem 1rem;
    }
}

@media (max-width: 640px) {
    .partner-logos {
        gap: 0.75rem 1.5rem;
    }

    .testimonial-card {
        padding: 1.25rem;
    }

    .testimonial-text {
        font-size: 0.875rem;
    }
}

/* Loan Calculator Section */
/* ===== Loan Calculator Section - Dark Fibank Style ===== */
.loan-calculator-section {
    padding: 5rem 0;
    background: #175557;
    position: relative;
    overflow: hidden;
    z-index: 1;
}

.calc-bg-shape {
    position: absolute;
    pointer-events: none;
    z-index: 0;
}

.calc-bg-shape-1 {
    bottom: 0;
    left: 0;
    width: 40%;
    height: 60%;
    background: radial-gradient(ellipse at bottom left, rgba(45, 138, 90, 0.3) 0%, transparent 70%);
}

.calc-bg-shape-2 {
    top: 0;
    right: 0;
    width: 40%;
    height: 60%;
    background: radial-gradient(ellipse at top right, rgba(255, 255, 255, 0.05) 0%, transparent 70%);
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 4rem;
    align-items: center;
    position: relative;
    z-index: 1;
}

/* Left Side - Company Intro */
.calculator-intro {
    color: #ffffff;
}

.intro-label {
    display: inline-block;
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    margin-bottom: 1rem;
}

.intro-content h2 {
    font-size: 2.5rem;
    font-weight: 700;
    color: #ffffff;
    line-height: 1.25;
    margin: 0 0 1.25rem 0;
}

.intro-content p {
    color: rgba(255, 255, 255, 0.7);
    font-size: 1rem;
    line-height: 1.7;
    margin-bottom: 2rem;
}

.calc-hero-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.875rem 2rem;
    background: var(--primary-color);
    color: #ffffff;
    font-size: 1rem;
    font-weight: 600;
    border-radius: 0.5rem;
    text-decoration: none;
    transition: all 0.3s ease;
    box-shadow: 0 4px 16px rgba(45, 138, 90, 0.4);
}

.calc-hero-btn:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(45, 138, 90, 0.5);
    color: #ffffff;
}

.calc-hero-btn i {
    font-size: 0.875rem;
    transition: transform 0.3s ease;
}

.calc-hero-btn:hover i {
    transform: translateX(4px);
}

/* Right Side - Calculator Form Card */
.calculator-widget {
    display: flex;
    justify-content: center;
}

.calculator-form-card {
    background: #ffffff;
    border-radius: 1.25rem;
    padding: 2.25rem;
    width: 100%;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.2);
}

.calc-form-row {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.75rem;
    margin-bottom: 1.75rem;
}

.calc-field {
    display: flex;
    flex-direction: column;
    gap: 0.625rem;
}

.calc-field-label {
    font-size: 0.8125rem;
    font-weight: 600;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.calc-field-input {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.calc-field-prefix {
    font-size: 1rem;
    font-weight: 700;
    color: var(--text-color);
    flex-shrink: 0;
}

.calc-field-value {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--primary-color);
    white-space: nowrap;
    min-width: 5.5rem;
    text-align: right;
    flex-shrink: 0;
}

/* Custom Range Slider - Light Theme */
.calc-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    background: #e5e7eb;
    border-radius: 999px;
    outline: none;
    cursor: pointer;
    flex: 1;
}

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    background: var(--primary-color);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(45, 138, 90, 0.35);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
    border: 3px solid #ffffff;
}

.calc-slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
    box-shadow: 0 4px 14px rgba(45, 138, 90, 0.5);
}

.calc-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    background: var(--primary-color);
    border-radius: 50%;
    cursor: pointer;
    border: 3px solid #ffffff;
    box-shadow: 0 2px 8px rgba(45, 138, 90, 0.35);
    transition: transform 0.2s ease;
}

.calc-slider::-moz-range-thumb:hover {
    transform: scale(1.2);
}

/* Calculator Results Row */
.calc-results-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    background: #f8faf9;
    border-radius: 0.75rem;
    overflow: hidden;
    margin-bottom: 1.5rem;
    border: 1px solid #e5e7eb;
}

.calc-result-box {
    padding: 1.125rem 0.75rem;
    text-align: center;
    border-right: 1px solid #e5e7eb;
    display: flex;
    flex-direction: column;
    gap: 0.375rem;
}

.calc-result-box:last-child {
    border-right: none;
}

.calc-result-label {
    font-size: 0.6875rem;
    font-weight: 600;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.calc-result-amount {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--text-color);
}

.calc-result-emi {
    background: rgba(45, 138, 90, 0.08);
}

.calc-result-emi .calc-result-amount {
    color: var(--primary-color);
    font-size: 1.25rem;
}

.calc-result-total {
    background: #175557;
}

.calc-result-total .calc-result-label {
    color: rgba(255, 255, 255, 0.7);
}

.calc-result-total .calc-result-amount {
    color: #ffffff;
    font-size: 1.25rem;
}

/* Calculator Apply Button */
.calc-apply-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    width: 100%;
    padding: 1rem;
    background: #175557;
    color: #ffffff;
    font-size: 1rem;
    font-weight: 600;
    border: none;
    border-radius: 0.625rem;
    cursor: pointer;
    transition: all 0.3s ease;
    text-decoration: none;
    box-shadow: 0 4px 12px rgba(23, 85, 87, 0.3);
}

.calc-apply-btn:hover {
    background: #0e3d3f;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(23, 85, 87, 0.4);
    color: #ffffff;
}

.calc-apply-btn i {
    font-size: 0.875rem;
    transition: transform 0.3s ease;
}

.calc-apply-btn:hover i {
    transform: translateX(4px);
}

/* Feature Pills Strip */
.calc-features-strip {
    display: flex;
    justify-content: center;
    gap: 1.5rem;
    margin-top: 3rem;
    flex-wrap: wrap;
    position: relative;
    z-index: 1;
}

.calc-feature-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.625rem 1.25rem;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 2rem;
    color: rgba(255, 255, 255, 0.85);
    font-size: 0.875rem;
    font-weight: 500;
    backdrop-filter: blur(4px);
    transition: all 0.3s ease;
}

.calc-feature-pill:hover {
    background: rgba(255, 255, 255, 0.18);
    border-color: rgba(255, 255, 255, 0.3);
    color: #ffffff;
}

.calc-feature-pill i {
    color: rgba(45, 138, 90, 0.9);
    font-size: 0.8125rem;
}

/* Responsive */
@media (max-width: 1024px) {
    .calculator-grid {
        gap: 3rem;
    }

    .intro-content h2 {
        font-size: 2rem;
    }
}

@media (max-width: 768px) {
    .loan-calculator-section {
        padding: 3.5rem 0;
    }

    .calculator-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .intro-content {
        text-align: center;
    }

    .intro-content h2 {
        font-size: 1.75rem;
    }

    .calc-hero-btn {
        margin: 0 auto;
    }

    .calculator-form-card {
        padding: 1.5rem;
    }

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

    .calc-result-box:nth-child(2) {
        border-right: none;
    }

    .calc-result-box:nth-child(3),
    .calc-result-box:nth-child(4) {
        border-top: 1px solid #e5e7eb;
    }

    .calc-features-strip {
        gap: 0.75rem;
        margin-top: 2rem;
    }

    .calc-feature-pill {
        font-size: 0.8125rem;
        padding: 0.5rem 1rem;
    }
}

@media (max-width: 480px) {
    .calculator-form-card {
        padding: 1.25rem;
    }

    .calc-field-value {
        font-size: 1rem;
        min-width: 4.5rem;
    }

    .calc-result-amount {
        font-size: 1rem;
    }

    .calc-result-emi .calc-result-amount,
    .calc-result-total .calc-result-amount {
        font-size: 1.0625rem;
    }

    .calc-features-strip {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 0.5rem;
    }

    .calc-feature-pill {
        justify-content: center;
        font-size: 0.75rem;
        padding: 0.5rem 0.75rem;
    }
}

@media (max-width: 768px) {
    .loan-calculator-section {
        padding: 3.5rem 0;
    }

    .calculator-grid {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }

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

    .intro-badges {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .intro-content h2 {
        font-size: 1.75rem;
    }

    .calculator-card {
        padding: 2rem;
    }

    .calculator-card h3 {
        font-size: 1.5rem;
    }
}

/* Blog Section */
.blog-section {
    padding: 5rem 0;
    background-color: #ffffff;
    position: relative;
    z-index: 1;
}

.blog-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 3rem;
    flex-wrap: wrap;
    gap: 1.5rem;
}

.blog-title-wrapper {
    flex: 1;
}

.blog-label {
    display: inline-block;
    color: var(--primary-color);
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 0.75rem;
}

.blog-header h2 {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--text-color);
    margin: 0;
}

.view-all-btn {
    padding: 0.75rem 1.5rem;
    border: 2px solid var(--primary-color);
    border-radius: 0.5rem;
    color: var(--primary-color);
    font-weight: 600;
    font-size: 0.875rem;
    letter-spacing: 0.05em;
    text-decoration: none;
    transition: all 0.3s ease;
    background-color: transparent;
}

.view-all-btn:hover {
    background-color: var(--primary-color);
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 8px 16px rgba(45, 138, 90, 0.2);
}

.blog-grid {
    /* Updated to work with Swiper */
    overflow: hidden;
}

.blogSwiper {
    padding: 10px 1rem;
}

/* Equal height cards - Blog Swiper */
.blogSwiper .swiper-wrapper {
    align-items: stretch;
}

.blogSwiper .swiper-slide {
    height: auto;
    display: flex;
}

.blog-card {
    background-color: #ffffff;
    border-radius: 1rem;
    overflow: hidden;
    border: 1px solid #e8ede9;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
    height: 100%;
    position: relative;
}

.blog-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--primary-color);
    transform: scaleX(0);
    transition: transform 0.3s ease;
}

.blog-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.1);
    border-color: rgba(45, 138, 90, 0.2);
}

.blog-card:hover::after {
    transform: scaleX(1);
}

.blog-image {
    width: 100%;
    height: 250px;
    overflow: hidden;
    position: relative;
}

.blog-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.3s ease;
}

.blog-card:hover .blog-image img {
    transform: scale(1.05);
}

.blog-content {
    padding: 1.75rem;
    display: flex;
    flex-direction: column;
    gap: 0.875rem;
    flex: 1;
}

.blog-date {
    color: var(--text-light);
    font-size: 0.875rem;
    font-weight: 500;
}

.blog-content h3 {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--text-color);
    line-height: 1.4;
    margin: 0;
}

.blog-content p {
    color: var(--text-light);
    font-size: 0.9375rem;
    line-height: 1.6;
    margin: 0;
    flex: 1;
}

.read-more-link {
    color: var(--primary-color);
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    transition: all 0.3s ease;
}

.read-more-link::after {
    content: '\f061';
    /* Font Awesome arrow-right icon */
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    transition: transform 0.3s ease;
}

.read-more-link:hover {
    color: var(--primary-hover);
    gap: 0.75rem;
}

.read-more-link:hover::after {
    transform: translateX(4px);
}

/* Clickable blog card elements */
.blog-image-link {
    display: block;
    text-decoration: none;
}

.blog-image-link:hover .blog-image img {
    transform: scale(1.05);
}

.blog-title-link {
    text-decoration: none;
    color: inherit;
}

.blog-title-link:hover h3 {
    color: var(--primary-color);
}

.blog-title-link h3 {
    transition: color 0.3s ease;
}

@media (max-width: 1024px) {
    .blog-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .blog-section {
        padding: 3.5rem 0;
    }

    .blog-header {
        margin-bottom: 2rem;
    }

    .blog-header h2 {
        font-size: 2rem;
    }

    .blog-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .blog-image {
        height: 200px;
    }

    .view-all-btn {
        width: 100%;
        text-align: center;
        justify-content: center;
    }
}

/* FAQ Section */
.faq-section {
    padding: 5rem 0;
    background: #f8faf9;
}

.faq-wrapper {
    max-width: 900px;
    margin: 0 auto;
}

.faq-header {
    text-align: center;
    margin-bottom: 3rem;
}

.faq-header h2 {
    font-size: 2.5rem;
    margin-bottom: 0.75rem;
    font-weight: 700;
}

.faq-header h2 span {
    color: var(--primary-color);
}

.faq-header p {
    color: var(--text-light);
    margin: 0 auto;
    max-width: 500px;
    font-size: 1.0625rem;
    line-height: 1.6;
}

.faq-columns {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.faq-column {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.faq-item {
    background-color: #ffffff;
    border-radius: 0;
    padding: 1.25rem 1.5rem;
    border: none;
    border-bottom: 1px solid #e5e7eb;
    box-shadow: none;
    margin-bottom: 0;
    transition: background-color 0.2s ease;
}

.faq-item:first-child {
    border-radius: 1rem 1rem 0 0;
}

.faq-column:last-child .faq-item:last-child {
    border-radius: 0 0 1rem 1rem;
    border-bottom: none;
}

.faq-item[open] {
    background-color: #f0f7f2;
    border-color: #e5e7eb;
    box-shadow: none;
}

.faq-item summary {
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    cursor: pointer;
    font-weight: 600;
    font-size: 1rem;
    color: var(--text-color);
    padding: 0.25rem 0;
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary i {
    transition: transform 0.25s ease;
    color: var(--primary-color);
    font-size: 0.75rem;
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: rgba(45, 138, 90, 0.08);
}

.faq-item[open] summary i {
    transform: rotate(180deg);
    background: var(--primary-color);
    color: #ffffff;
}

.faq-item p {
    margin: 0.75rem 0 0.25rem 0;
    color: var(--text-light);
    font-size: 0.9375rem;
    line-height: 1.7;
    padding-right: 2.5rem;
}

@media (max-width: 992px) {
    .faq-columns {
        flex-direction: column;
    }
}

@media (max-width: 768px) {
    .faq-section {
        padding: 3.5rem 0;
    }

    .faq-header {
        margin-bottom: 2rem;
    }

    .faq-header h2 {
        font-size: 1.75rem;
    }

    .faq-header p {
        font-size: 0.9375rem;
    }

    .faq-item {
        padding: 1rem 1.25rem;
    }

    .faq-item summary {
        font-size: 0.9375rem;
    }

    .faq-item p {
        font-size: 0.875rem;
        padding-right: 0;
    }
}

/* Dropdown Menu Styles */
.nav-dropdown {
    position: relative;
}

.dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    background: rgba(10, 10, 10, 0.96);
    box-shadow: 0 30px 80px rgba(0, 0, 0, 0.35);
    border-radius: 1.35rem;
    border: 1px solid rgba(200, 232, 165, 0.4);
    padding: 1.35rem;
    min-width: 900px;
    z-index: 1000;
    margin-top: 1.15rem;
    opacity: 0;
    transform: translateY(-10px);
    transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
}

.nav-dropdown:hover .dropdown-menu {
    display: flex;
    gap: 1rem;
    opacity: 1;
    transform: translateY(0);
}

.dropdown-column {
    flex: 1;
    /* width: 33.33%; */
}

.dropdown-column h4 {
    color: rgba(239, 247, 240, 0.62);
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 0.75rem;
    padding: 0.5rem 0.75rem;
}

.dropdown-column>div {
    background-color: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(200, 232, 165, 0.12);
    border-radius: 1rem;
    padding: 0 10px;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.04);
    width: 100%;
}

.dropdown-item {
    display: flex;
    align-items: flex-start;
    gap: 0.875rem;
    padding: 0.875rem;
    color: #eff7f0;
    border-radius: 0.95rem;
    transition: all 0.2s ease;
    text-decoration: none;
    text-wrap: wrap;
}

.dropdown-item:last-child {
    margin-bottom: 0;
}

.dropdown-item:hover {
    background-color: rgba(200, 232, 165, 0.06);
    transform: translateX(4px);
}

.dropdown-item:hover .dropdown-icon {
    background: linear-gradient(135deg, #c8e8a5, #8bd6c4);
    color: #082019;
    transform: scale(1.05);
    box-shadow: 0 6px 18px rgba(139, 214, 196, 0.18);
}

.dropdown-item:focus {
    background-color: rgba(200, 232, 165, 0.08);
    outline: none;
}

.dropdown-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 3rem;
    height: 3rem;
    flex-shrink: 0;
    background: linear-gradient(135deg, rgba(200, 232, 165, 0.1), rgba(139, 214, 196, 0.08));
    border: 1px solid rgba(200, 232, 165, 0.16);
    border-radius: 0.9rem;
    font-size: 1.25rem;
    color: #c8e8a5;
    transition: all 0.2s ease;
}

.dropdown-icon i {
    font-size: 1.125rem;
}

.dropdown-content {
    flex: 1;
}

.dropdown-content h5 {
    font-size: 0.9375rem;
    font-weight: 600;
    color: #f6fbfa;
    margin-bottom: 0.125rem;
}

.dropdown-content p {
    font-size: 0.75rem;
    color: rgba(235, 247, 244, 0.68);
    margin: 0;
    line-height: 1.4;
}

.dropdown-footer {
    padding: 0.5rem 0.75rem;
    margin-top: 0.5rem;
}

.dropdown-footer p {
    font-size: 0.875rem;
    color: rgba(235, 247, 244, 0.68);
    margin: 0;
}

.dropdown-footer a {
    color: #c8e8a5;
    font-weight: 600;
}

.dropdown-footer a:hover {
    text-decoration: underline;
}

.dropdown-column a.view-all {
    color: #c8e8a5;
    font-weight: 600;
    margin-top: 0.5rem;
    display: inline-block;
    padding: 0.5rem;
    border-radius: 0.65rem;
    transition: var(--transition);
}

.dropdown-column a.view-all:hover {
    background-color: rgba(200, 232, 165, 0.08);
}

.dropdown-simple-links {
    list-style: none;
    padding: 0.5rem;
    margin: 0;
}

.dropdown-simple-links li {
    margin-bottom: 0.5rem;
}

.dropdown-simple-links li:last-child {
    margin-bottom: 0;
}

.dropdown-simple-links a {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem;
    color: var(--text-color);
    font-size: 0.9375rem;
    font-weight: 500;
    border-radius: 0.375rem;
    transition: var(--transition);
}

.dropdown-simple-links a i {
    color: var(--primary-color);
    width: 1rem;
    text-align: center;
}

.dropdown-simple-links a:hover {
    background-color: var(--bg-light);
}

/* Responsive Design */
@media (max-width: 1024px) {
    .hero-modern {
        padding: 5rem 0 5.5rem;
    }

    /* Consistent 1024px section spacing */
    .loan-products-cards,
    .loan-calculator-section,
    .how-works,
    .partners-showcase,
    .consultation,
    .faq-section,
    .blog-section {
        padding: 4rem 0;
    }

    .logo-carousel-section {
        padding: 1.5rem 0;
    }
}

/* Tablet Responsive */
@media (max-width: 1024px) {
    .section-title-large {
        font-size: 2.25rem;
    }

    .features-showcase {
        padding: 0 3rem;
    }

    .feature-showcase-card {
        width: calc((100% - 3rem) / 3);
        min-width: 280px;
    }
}

/* App Download Responsive Styles */
@media (max-width: 992px) {
    .app-download-content {
        grid-template-columns: 1fr;
        gap: 3rem;
    }

    .app-download-left {
        padding-right: 0;
        text-align: center;
    }

    .app-store-buttons {
        align-items: center;
    }

    .app-download-right {
        justify-content: center;
    }

    .phone-mockups {
        justify-content: center;
    }
}

@media (max-width: 768px) {
    .app-download {
        padding: 3.5rem 0;
    }

    .app-download-content {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }

    .app-download-left {
        padding-right: 0;
        text-align: center;
    }

    .app-download-title {
        font-size: 2rem;
    }

    .app-store-buttons {
        justify-content: center;
    }

    .app-features {
        justify-content: center;
    }

    .phone-mockup {
        width: 150px;
        height: 300px;
    }

    .phone-mockup-right {
        margin-left: -1.5rem;
    }
}

@media (max-width: 768px) {
    html,
    body {
        overflow-x: hidden;
    }

    .header {
        padding: 0.45rem 0 0;
    }

    .navbar {
        padding: 0;
        background: transparent;
    }

    .navbar .container {
        padding: 0.7rem 0.9rem;
        border-radius: 1.1rem;
        background: rgba(255, 255, 255, 0.84);
        border: 1px solid rgba(17, 55, 45, 0.08);
        box-shadow: 0 14px 34px rgba(14, 38, 33, 0.07);
        backdrop-filter: blur(12px);
        -webkit-backdrop-filter: blur(12px);
    }

    .logo-img {
        height: 36px;
    }

    .footer-logo-img {
        height: 40px;
    }

    .nav-toggle {
        display: block;
        padding: 0.7rem;
        border-radius: 0.9rem;
        background: rgba(17, 55, 45, 0.04);
        border: 1px solid rgba(17, 55, 45, 0.08);
    }

    .nav-menu {
        position: fixed;
        top: 4.9rem;
        left: 0.75rem;
        right: 0.75rem;
        width: auto;
        max-width: none;
        max-height: calc(100vh - 5.7rem);
        background-color: rgba(255, 255, 255, 0.95);
        flex-direction: column;
        align-items: flex-start;
        padding: 1rem 1rem 1.15rem;
        box-shadow: 0 24px 54px rgba(12, 35, 29, 0.12);
        transition: opacity 0.25s ease, transform 0.25s ease;
        overflow-y: auto;
        display: none;
        border-radius: 1.25rem;
        border: 1px solid rgba(17, 55, 45, 0.08);
        opacity: 0;
        transform: translateY(-8px);
    }

    .nav-menu.active {
        display: flex;
        opacity: 1;
        transform: translateY(0);
    }

    .nav-brand {
        gap: 0.75rem;
        flex: 1 1 auto;
        min-width: 0;
    }

    .nav-menu > li {
        width: 100%;
        border-top: 1px solid rgba(17, 55, 45, 0.08);
        padding: 0.2rem 0;
    }

    .nav-menu > li:first-child {
        border-top: none;
        padding-top: 0;
    }

    .nav-link {
        width: 100%;
        justify-content: space-between;
        padding: 0.85rem 0.2rem;
        color: #163926;
        font-size: 1rem;
        font-weight: 600;
        line-height: 1.2;
    }

    .nav-link::after {
        display: none;
    }

    .nav-link.active {
        color: var(--primary-color);
    }

    .dropdown-menu {
        position: static;
        display: none;
        min-width: auto;
        width: 100%;
        padding: 0.9rem;
        box-shadow: none;
        background-color: #f7fbf9;
        margin-top: 0.5rem;
        border-radius: 0.9rem;
        opacity: 1;
        transform: scale(1);
        border: 1px solid rgba(17, 55, 45, 0.06);
    }

    .nav-dropdown:hover .dropdown-menu,
    .nav-dropdown.active .dropdown-menu {
        display: block;
    }

    .dropdown-column {
        margin-bottom: 1rem;
    }

    .dropdown-column h4 {
        font-size: 0.8125rem;
        color: rgba(16, 46, 39, 0.52);
        padding: 0.2rem 0.35rem 0.55rem;
        margin-bottom: 0.35rem;
    }

    .dropdown-column a {
        font-size: 0.875rem;
        padding: 0.55rem 0.5rem;
    }

    .dropdown-column > div {
        background: white;
        border: 1px solid rgba(17, 55, 45, 0.06);
        border-radius: 0.8rem;
        padding: 0.15rem 0.35rem;
        box-shadow: none;
    }

    .dropdown-item {
        gap: 0.7rem;
        padding: 0.8rem 0.65rem;
        border-radius: 0.8rem;
    }

    .dropdown-icon {
        width: 2.6rem;
        height: 2.6rem;
    }

    .dropdown-content h5 {
        font-size: 0.9rem;
    }

    .dropdown-content p {
        font-size: 0.75rem;
        line-height: 1.35;
    }

    .nav-actions {
        display: flex;
        gap: 0.35rem;
        margin-left: auto;
        flex-shrink: 0;
    }

    .nav-actions .btn-primary-nav {
        display: none;
    }

    .btn-nav {
        padding: 0.62rem 0.78rem;
        font-size: 0.78rem;
        white-space: nowrap;
    }

    .logo-carousel-section {
        padding: 1.5rem 0;
    }

    .logo-item {
        font-size: 1.25rem;
    }

    .logo-carousel-track {
        gap: 3rem;
    }

    .loan-products-cards {
        padding: 3.5rem 0;
        margin-top: 0;
    }

    .loan-cards-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }

    .loan-card {
        padding: 1.5rem;
    }

    .loan-card-title {
        font-size: 1.25rem;
    }

    .loan-card-button {
        width: 100%;
        justify-content: center;
    }

    .powerful-features {
        padding: 3rem 0;
    }

    .section-title-large {
        font-size: 1.75rem;
    }

    .features-showcase {
        padding: 0 2.5rem;
    }

    .feature-showcase-card {
        width: calc(100% - 1.5rem);
        min-width: 280px;
    }

    .feature-showcase-image {
        height: 250px;
    }

    .feature-showcase-content {
        padding: 1.25rem;
    }

    .feature-showcase-title {
        font-size: 1.125rem;
    }

    .feature-showcase-description {
        display: block !important;
        font-size: 0.875rem;
    }

    .carousel-nav {
        width: 2.5rem;
        height: 2.5rem;
    }

    .carousel-nav svg {
        width: 1.25rem;
        height: 1.25rem;
    }

    .btn {
        width: 100%;
        max-width: 250px;
    }

    .steps-container {
        flex-direction: column;
    }

    .step-arrow {
        transform: rotate(90deg);
    }

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

    h1 {
        font-size: 2rem;
    }

    h2 {
        font-size: 1.75rem;
    }

    h3 {
        font-size: 1.25rem;
    }

}

@media (min-width: 769px) {
    .header {
        padding: 0;
    }

    .header.scrolled {
        background-color: transparent;
        backdrop-filter: none;
        -webkit-backdrop-filter: none;
        border-bottom-color: transparent;
        box-shadow: none;
    }

    .navbar {
        padding: 0;
        background: transparent;
    }

    .navbar .container {
        max-width: 1440px;
        margin-top: 0.1rem;
        padding: 0.95rem 1.5rem;
        border-radius: 1.8rem;
        background: rgba(255, 255, 255, 0.97);
        border: 1px solid rgba(17, 55, 45, 0.08);
        box-shadow: 0 16px 40px rgba(14, 38, 33, 0.08);
    }

    .logo-img {
        height: 42px;
    }

    .nav-brand {
        gap: 2.4rem;
    }

    .nav-menu {
        display: flex;
        gap: 1.6rem;
        align-items: center;
    }

    .nav-link {
        color: rgba(16, 46, 39, 0.82);
        font-weight: 600;
        padding: 0.3rem 0;
        border-radius: 0;
        gap: 0.45rem;
        font-size: 1rem;
        line-height: 1;
    }

    .nav-link::after {
        content: "";
        position: absolute;
        left: 0;
        bottom: -0.7rem;
        width: 0.6rem;
        height: 2px;
        border-radius: 999px;
        background: #2d8a5a;
        opacity: 0;
        transform: translateY(4px);
        transition: opacity 0.25s ease, transform 0.25s ease;
    }

    .nav-link:hover,
    .nav-dropdown:hover > .nav-link,
    .nav-link.active {
        color: #11372d;
        background-color: transparent;
    }

    .nav-link:hover::after,
    .nav-link.active::after,
    .nav-dropdown:hover > .nav-link::after {
        opacity: 1;
        transform: translateY(0);
    }

    .dropdown-arrow {
        color: rgba(16, 46, 39, 0.56);
    }

    .nav-actions {
        display: flex;
        align-items: center;
        margin-left: 1.5rem;
    }

    .btn-nav {
        padding: 0.95rem 1.55rem;
        border-radius: 999px;
        font-weight: 700;
        font-size: 1rem;
    }

    .btn-primary-nav {
        background: #123f36;
        color: #ffffff;
        box-shadow: 0 10px 24px rgba(17, 55, 45, 0.14);
    }

    .btn-primary-nav:hover {
        background: #195247;
        color: #ffffff;
    }

    .dropdown-menu {
        background: rgba(255, 255, 255, 0.96);
        box-shadow: 0 28px 70px rgba(12, 35, 29, 0.12);
        border-radius: 1.35rem;
        border: 1px solid rgba(17, 55, 45, 0.08);
        padding: 1.35rem;
        margin-top: 1.15rem;
        backdrop-filter: blur(24px);
        -webkit-backdrop-filter: blur(24px);
    }

    .dropdown-column h4 {
        color: rgba(16, 46, 39, 0.5);
    }

    .dropdown-column > div {
        background-color: #f7fbf9;
        border: 1px solid rgba(17, 55, 45, 0.06);
        border-radius: 1rem;
        box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.75);
    }

    .dropdown-item {
        color: #163926;
        border-radius: 0.95rem;
    }

    .dropdown-item:hover {
        background-color: rgba(45, 138, 90, 0.06);
    }

    .dropdown-icon {
        background: linear-gradient(135deg, rgba(45, 138, 90, 0.1), rgba(45, 138, 90, 0.04));
        border: 1px solid rgba(45, 138, 90, 0.12);
        border-radius: 0.9rem;
        color: #2d8a5a;
    }

    .dropdown-item:hover .dropdown-icon {
        background: linear-gradient(135deg, #2d8a5a, #7bcfc2);
        color: #ffffff;
        box-shadow: 0 6px 18px rgba(45, 138, 90, 0.14);
    }

    .dropdown-content h5 {
        color: #163926;
    }

    .dropdown-content p,
    .dropdown-footer p {
        color: #5a7064;
    }

    .dropdown-footer a,
    .dropdown-column a.view-all {
        color: #2d8a5a;
    }

    .dropdown-column a.view-all:hover {
        background-color: rgba(45, 138, 90, 0.08);
    }
}

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

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

.consultation .form-text {
    margin-top: 10px;
}

.our-mission {
    padding: 80px 0;
}

.our-mission .mission-media {
    width: 100%;
    height: 100%;
    overflow: hidden;
    border-radius: 20px;
    margin: 20px 0;
}

.our-mission .mission-media img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.form-check-input:checked {
    background-color: var(--primary-color);
    border-color: var(--primary-color);
}


/* Header Style - Desktop Scrollable Menu */
@media (min-width: 1025px) {
    .header .navbar .nav-dropdown .dropdown-menu {
        left: 0;
        width: 100%;
        flex-wrap: wrap;
        gap: 10px;
        height: auto;
        max-height: 80vh;
        overflow-y: auto;
        padding-bottom: 20px;
        margin: 0;
    }
}

/* Mobile Responsive Reset */
@media (max-width: 1024px) {
    .header .navbar .nav-dropdown .dropdown-menu {
        max-height: none;
        overflow-y: visible;
        height: auto;
        padding-bottom: 1rem;
    }
}

.logo-carousel-section .logo-item img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* Old calculator styles (overridden by new Fibank-style section above) */
/* .calculator-grid-old {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3rem;
    align-items: start;
    margin-top: 2rem;
}

.calculator-inputs {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.calc-input-group label {
    display: block;
    margin-bottom: 1rem;
    font-weight: 500;
    color: var(--text-color);
    font-size: 1.1rem;
}

.input-with-icon {
    position: relative;
    /* display: flex; */
    /* align-items: center; */
    /* margin-bottom: 0.5rem; */
    /* background: #f0fdf4; */
    /* border-radius: 0.5rem; */
    /* padding: 0.5rem; */
}

.input-icon {
    position: absolute;
    left: 1rem;
    font-weight: 600;
    color: var(--primary-color);
    pointer-events: none;
    z-index: 1;
}

.input-with-icon input[type="range"] {
    width: 100%;
    height: 8px;
    background: #ffffff;
    border-radius: 3px;
    outline: none;
    -webkit-appearance: none;
    margin: 1rem 0;
}

.input-with-icon input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    background: #FFF;
    border: 2px solid var(--primary-color);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: 0 0 0 4px rgba(45, 138, 90, 0.2);
    transition: all 0.2s;
}

.input-with-icon input[type="range"]::-webkit-slider-thumb:hover {
    transform: scale(1.1);
    box-shadow: 0 0 0 6px rgba(45, 138, 90, 0.3);
}

.calc-range-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.875rem;
    margin-top: 0.25rem;
}

.calc-current-value {
    color: var(--primary-color);
    font-weight: 600;
    background: rgba(45, 138, 90, 0.1);
    padding: 0.15rem 0.5rem;
    border-radius: 0.25rem;
}

/* Calculator Results */
.calculator-results {
    position: sticky;
    top: 2rem;
}

.result-card {
    background: white;
    border-radius: 1.5rem;
    padding: 20px;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08);
    border: 1px solid rgb(255 255 255 / 80%);
}

.result-card h3 {
    margin-bottom: 1.5rem;
    color: var(--text-color);
    font-size: 1.25rem;
}

.result-main {
    margin-bottom: 2rem;
    text-align: center;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid var(--border-color);
}

.result-label {
    /* display: block; */
    color: #fefeff;
    /* font-size: 0.95rem; */
    /* margin-bottom: 0.5rem; */
}

.result-value-large {
    display: block;
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary-color);
}

.result-breakdown {
    display: flex;
    justify-content: space-between;
}

.result-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 10px;
}

.result-value {
    font-weight: 600;
    color: #ffffff;
    font-size: 1.1rem;
}

.result-total {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 1rem;
    padding-top: 1rem;
    border-top: 1px solid var(--border-color);
}

.result-total .result-value {
    font-size: 1.25rem;
    color: #ffffff;
}

.calc-apply-btn {
    display: block;
    width: 100%;
    padding: 1rem;
    background: var(--primary-color);
    color: white;
    text-align: center;
    border-radius: 0.75rem;
    font-weight: 600;
    margin-top: 2rem;
    transition: all 0.3s;
}

.calc-apply-btn:hover {
    background: var(--primary-hover);
    transform: translateY(-2px);
    box-shadow: 0 10px 20px rgba(45, 138, 90, 0.2);
}

@media (max-width: 992px) {
    .calculator-grid-old {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .calculator-results-old {
        position: static;
    }
} */

/* ============================================
   UI/UX ENHANCEMENTS - Homepage Optimization
   ============================================ */

/* Enhanced Section Spacing & Visual Hierarchy */
section {
    position: relative;
}

/* Subtle background patterns for alternating sections */
.loan-products-cards::before,
.how-works::before,
.faq-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image: radial-gradient(circle at 20% 80%, rgba(45, 138, 90, 0.03) 0%, transparent 50%),
                      radial-gradient(circle at 80% 20%, rgba(45, 138, 90, 0.02) 0%, transparent 50%);
    pointer-events: none;
    z-index: 0;
}

/* Enhanced section backgrounds */
/* .loan-calculator-section background now set in Fibank-style section */

.how-works {
    background: linear-gradient(180deg, #ffffff 0%, #f8fafc 50%, #ffffff 100%);
}

.partners-showcase {
    background: linear-gradient(180deg, #f8fafc 0%, #f1f5f9 100%);
}

/* Improved Section Headers */
.section-label,
.plan-label,
.blog-label {
    display: inline-block;
    padding: 0.5rem 1rem;
    background: linear-gradient(135deg, rgba(45, 138, 90, 0.1) 0%, rgba(45, 138, 90, 0.05) 100%);
    color: var(--primary-color);
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    border-radius: 2rem;
    margin-bottom: 1rem;
    border: 1px solid rgba(45, 138, 90, 0.15);
}

/* Enhanced Button Styles */
.btn-primary,
.submit-btn,
.loan-card-button,
.cta-button,
.calc-apply-btn {
    position: relative;
    overflow: hidden;
    z-index: 1;
}

.btn-primary::before,
.submit-btn::before,
.loan-card-button::before,
.cta-button::before,
.calc-apply-btn::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent);
    transition: left 0.5s ease;
    z-index: -1;
}

.btn-primary:hover::before,
.submit-btn:hover::before,
.loan-card-button:hover::before,
.cta-button:hover::before,
.calc-apply-btn:hover::before {
    left: 100%;
}

/* Button Icon Animation */
.btn-icon,
.loan-card-button i,
.cta-button i {
    transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.btn-primary:hover .btn-icon,
.loan-card-button:hover i,
.cta-button:hover i {
    transform: translateX(5px);
}

/* Enhanced Card Shadows */
.loan-card,
.blog-card {
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.05),
                0 10px 30px -10px rgba(0, 0, 0, 0.08);
    transition: all 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.loan-card:hover,
.blog-card:hover {
    box-shadow: 0 10px 40px -10px rgba(45, 138, 90, 0.25),
                0 20px 60px -20px rgba(0, 0, 0, 0.15);
}

/* Enhanced Form Elements */
.form-control,
.form-select {
    border: 2px solid var(--border-color);
    border-radius: 0.75rem;
    padding: 0.875rem 1rem;
    font-size: 1rem;
    transition: all 0.3s ease;
    background-color: #fafbfc;
}

.form-control:hover,
.form-select:hover {
    border-color: #cbd5e1;
    background-color: white;
}

.form-control:focus,
.form-select:focus {
    border-color: var(--primary-color);
    box-shadow: 0 0 0 4px rgba(45, 138, 90, 0.1);
    background-color: white;
    outline: none;
}

.input-group {
    position: relative;
}

.input-group .input-group-text {
    background: linear-gradient(135deg, #f8fafc 0%, #f1f5f9 100%);
    border: 2px solid var(--border-color);
    border-right: none;
    border-radius: 0.75rem 0 0 0.75rem;
    color: var(--primary-color);
    padding: 0.875rem 1rem;
}

.input-group .form-control {
    border-radius: 0 0.75rem 0.75rem 0;
    border-left: none;
}

.input-group:focus-within .input-group-text {
    border-color: var(--primary-color);
    color: var(--primary-color);
}

.input-group:focus-within .form-control {
    border-color: var(--primary-color);
}

/* Enhanced Submit Button */
.submit-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
    width: 100%;
    padding: 1rem 2rem;
    font-size: 1.0625rem;
    font-weight: 600;
    border-radius: 0.75rem;
    background: linear-gradient(135deg, var(--primary-color) 0%, #3da66e 100%);
    border: none;
    color: white;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(45, 138, 90, 0.3);
}

.submit-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(45, 138, 90, 0.4);
    background: linear-gradient(135deg, #3da66e 0%, var(--primary-color) 100%);
}

.submit-btn:active {
    transform: translateY(0);
    box-shadow: 0 4px 15px rgba(45, 138, 90, 0.3);
}

/* Enhanced Loan Type Selection */
.loan-type-card {
    background: white;
    border: 2px solid var(--border-color);
    border-radius: 1rem;
    padding: 1.25rem 1rem;
    cursor: pointer;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.75rem;
    text-align: center;
}

.loan-type-card:hover {
    border-color: var(--primary-color);
    background: rgba(45, 138, 90, 0.02);
    transform: translateY(-3px);
}

.loan-type-card.active {
    border-color: var(--primary-color);
    background: linear-gradient(135deg, rgba(45, 138, 90, 0.08) 0%, rgba(45, 138, 90, 0.03) 100%);
    box-shadow: 0 4px 15px rgba(45, 138, 90, 0.15);
}

.loan-type-icon {
    width: 3rem;
    height: 3rem;
    border-radius: 0.75rem;
    background: linear-gradient(135deg, rgba(45, 138, 90, 0.1) 0%, rgba(45, 138, 90, 0.05) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s ease;
}

.loan-type-card.active .loan-type-icon {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-hover) 100%);
}

.loan-type-card.active .loan-type-icon i {
    color: white;
}

.loan-pill {
    background: white;
    border: 1px solid var(--border-color);
    border-radius: 2rem;
    padding: 0.5rem 1rem;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.875rem;
    cursor: pointer;
    transition: all 0.3s ease;
}

.loan-pill:hover {
    border-color: var(--primary-color);
    color: var(--primary-color);
    background: rgba(45, 138, 90, 0.05);
}

.loan-pill.active {
    background: var(--primary-color);
    border-color: var(--primary-color);
    color: white;
}

/* Enhanced Blog Cards */
.blog-card {
    background: white;
    border-radius: 1rem;
    overflow: hidden;
    border: 1px solid var(--border-color);
}

.blog-card .blog-image {
    position: relative;
    overflow: hidden;
}

.blog-card .blog-image img {
    transition: transform 0.5s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.blog-card:hover .blog-image img {
    transform: scale(1.08);
}

.blog-card .blog-content {
    padding: 1.5rem;
}

.blog-card .read-more-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 600;
    color: var(--primary-color);
    transition: all 0.3s ease;
}

.blog-card:hover .read-more-link {
    gap: 0.75rem;
}

/* Smooth Scroll Reveal Animation Classes */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeInLeft {
    from {
        opacity: 0;
        transform: translateX(-30px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

@keyframes fadeInRight {
    from {
        opacity: 0;
        transform: translateX(30px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

@keyframes pulse {
    0%, 100% {
        transform: scale(1);
    }
    50% {
        transform: scale(1.05);
    }
}

/* Animated elements */
.animate-on-scroll {
    opacity: 0;
    animation: fadeInUp 0.6s ease forwards;
}

.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }
.animate-delay-4 { animation-delay: 0.4s; }

/* Floating animation for icons */
@keyframes float {
    0%, 100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-8px);
    }
}

.loan-icon-pill:hover i,
.loan-icon-pill:hover span {
    animation: float 0.6s ease-in-out;
}

/* Enhanced Logo Carousel */
.logo-carousel-section {
    background: linear-gradient(180deg, #f8fafc 0%, #ffffff 50%, #f8fafc 100%);
    padding: 2rem 0;
}

.logo-item img {
    filter: grayscale(30%);
    opacity: 0.85;
    transition: all 0.4s ease;
    max-height: 50px;
    width: auto;
}

.logo-item:hover img {
    filter: grayscale(0%);
    opacity: 1;
    transform: scale(1.1);
}

/* Old Enhanced Calculator Widget - replaced by Fibank style */

.calc-range-labels span:nth-child(2) {
    font-weight: 700;
    color: white;
    font-size: 1rem;
}

/* Enhanced App Download Section */
.app-download {
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    position: relative;
    overflow: hidden;
}

.app-download::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 60%;
    height: 200%;
    background: radial-gradient(circle, rgba(45, 138, 90, 0.05) 0%, transparent 70%);
    pointer-events: none;
}

.app-store-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.875rem 1.5rem;
    background: #1a1a1a;
    border-radius: 0.75rem;
    color: white;
    text-decoration: none;
    transition: all 0.3s ease;
}

.app-store-btn:hover {
    background: #333;
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.2);
    color: white;
}

.app-store-btn i {
    font-size: 1.75rem;
}

.store-text {
    display: block;
    font-size: 0.625rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    opacity: 0.8;
}

.store-name {
    display: block;
    font-size: 1.125rem;
    font-weight: 600;
}

/* Enhanced Phone Mockups */
.phone-mockup {
    background: linear-gradient(145deg, #2a2a2a 0%, #1a1a1a 100%);
    border-radius: 2.5rem;
    padding: 0.5rem;
    box-shadow: 0 25px 80px rgba(0, 0, 0, 0.25),
                inset 0 1px 0 rgba(255, 255, 255, 0.1);
}

.phone-screen {
    background: linear-gradient(180deg, #1e293b 0%, #0f172a 100%);
    border-radius: 2rem;
    padding: 1.5rem;
    min-height: 300px;
}

/* Enhanced Consultation Section */
.consultation {
    background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
}

.consultation-form {
    background: white;
    border-radius: 1.5rem;
    padding: 2.5rem;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
    border: 1px solid var(--border-color);
}

.consultation-form h2 {
    font-size: 1.75rem;
    margin-bottom: 0.5rem;
    color: var(--text-color);
}

.consultation-form > p {
    color: var(--text-light);
    margin-bottom: 2rem;
}

/* Selected Loan Badge Enhancement */
.selected-loan-badge {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem 1.25rem;
    background: linear-gradient(135deg, rgba(45, 138, 90, 0.08) 0%, rgba(45, 138, 90, 0.03) 100%);
    border: 1px solid rgba(45, 138, 90, 0.2);
    border-radius: 0.75rem;
    margin-bottom: 1.5rem;
}

.badge-icon {
    width: 2.5rem;
    height: 2.5rem;
    background: var(--primary-color);
    border-radius: 0.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
}

.badge-label {
    display: block;
    font-size: 0.75rem;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.badge-loan-name {
    display: block;
    font-weight: 600;
    color: var(--text-color);
}

.badge-change {
    margin-left: auto;
    background: transparent;
    border: none;
    color: var(--primary-color);
    cursor: pointer;
    padding: 0.5rem;
    border-radius: 0.5rem;
    transition: all 0.3s ease;
}

.badge-change:hover {
    background: rgba(45, 138, 90, 0.1);
}

/* Mobile Responsiveness Improvements */
@media (max-width: 768px) {
    /* Better touch targets */
    .btn-primary,
    .submit-btn,
    .loan-card-button,
    .cta-button {
        min-height: 48px;
        padding: 1rem 1.75rem;
        font-size: 1rem;
    }

    .loan-type-card {
        padding: 1rem 0.75rem;
    }

    .form-control,
    .form-select {
        padding: 1rem;
        font-size: 16px;
    }

    /* Logo Carousel */
    .logo-carousel-section {
        padding: 1.25rem 0;
    }

    /* Loan Cards */
    .loan-products-cards {
        padding: 3rem 0;
    }

    .loan-card {
        padding: 1.5rem 1.25rem;
        margin-bottom: 0;
    }

    .loan-card-title {
        font-size: 1.25rem;
    }

    .loan-card-description {
        font-size: 0.9375rem;
    }

    .loan-card-features li {
        font-size: 0.875rem;
    }

    /* Calculator */
    .loan-calculator-section {
        padding: 3rem 0;
    }

    .calculator-card {
        padding: 1.5rem;
    }

    .intro-features {
        grid-template-columns: 1fr;
        gap: 0.75rem;
    }

    .feature-item {
        padding: 1rem;
        gap: 0.75rem;
    }

    .feature-icon {
        width: 40px;
        height: 40px;
        font-size: 1.125rem;
    }

    .intro-content h2 {
        font-size: 1.75rem;
    }

    /* Partners */
    .partners-showcase {
        padding: 3rem 0;
    }

    .partners-title {
        font-size: 1.75rem;
        margin-bottom: 1.5rem;
    }

    .partner-logos {
        gap: 0.75rem 1.5rem;
        margin-bottom: 2rem;
    }

    .partner-logo-item {
        padding: 0.75rem 1rem;
    }

    .partner-logo-item img {
        max-height: 40px;
        max-width: 100px;
    }

    /* Consultation Form */
    .consultation {
        padding: 3rem 0;
    }

    .consultation-form {
        padding: 1.5rem;
        border-radius: 1rem;
    }

    .loan-type-main {
        grid-template-columns: repeat(3, 1fr);
        gap: 0.5rem;
    }

    .loan-type-card {
        padding: 0.75rem 0.5rem;
        gap: 0.375rem;
        border-radius: 0.75rem;
    }

    .loan-type-icon {
        width: 36px;
        height: 36px;
        font-size: 1.125rem;
    }

    .loan-type-name {
        font-size: 0.75rem;
    }

    .loan-type-card small {
        display: none;
    }

    .selected-loan-badge {
        padding: 0.75rem;
        gap: 0.75rem;
    }

    .badge-loan-name {
        font-size: 0.9375rem;
    }

    /* FAQ */
    .faq-section {
        padding: 3rem 0;
    }

    .faq-header h2 {
        font-size: 1.5rem;
    }

    .faq-item {
        padding: 0.875rem;
        border-radius: 0.75rem;
        margin-bottom: 0.75rem;
    }

    .faq-item summary {
        font-size: 0.9375rem;
        gap: 0.75rem;
    }

    .faq-item p {
        font-size: 0.875rem;
    }

    /* Blog */
    .blog-section {
        padding: 3rem 0;
    }

    .blog-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 1rem;
        margin-bottom: 1.5rem;
    }

    .blog-header h2 {
        font-size: 1.5rem;
    }

    .blog-image {
        height: 180px;
    }

    .blog-content {
        padding: 1.25rem;
    }

    .blog-content h3 {
        font-size: 1.125rem;
    }

    .blog-content p {
        font-size: 0.875rem;
    }

    .view-all-btn {
        width: 100%;
        text-align: center;
        padding: 0.75rem 1.25rem;
    }
}

@media (max-width: 480px) {
    .logo-carousel-section {
        padding: 0.75rem 0;
    }

    /* Consistent small mobile section spacing */
    .loan-products-cards,
    .loan-calculator-section,
    .how-works,
    .partners-showcase,
    .consultation,
    .blog-section,
    .faq-section {
        padding: 2rem 0;
    }

    /* Loan Cards */
    .loan-card {
        padding: 1.25rem 1rem;
    }

    .loan-card-title {
        font-size: 1.125rem;
    }

    .loan-card-description {
        font-size: 0.875rem;
    }

    .loan-card-button {
        padding: 0.875rem 1.5rem;
        font-size: 0.875rem;
        width: 100%;
        justify-content: center;
    }

    /* Calculator */
    .calculator-card {
        padding: 1.25rem;
        border-radius: 1rem;
    }

    .feature-item {
        padding: 0.75rem;
    }

    .feature-icon {
        width: 36px;
        height: 36px;
        font-size: 1rem;
        border-radius: 0.375rem;
    }

    .feature-content h4 {
        font-size: 0.875rem;
    }

    /* Partners */
    .partners-title {
        font-size: 1.5rem;
    }

    .partner-logos {
        gap: 0.5rem 0.75rem;
    }

    .partner-logo-item {
        padding: 0.5rem 0.75rem;
    }

    .partner-logo-item img {
        max-height: 32px;
        max-width: 80px;
    }

    .testimonial-card {
        padding: 1rem;
    }

    .testimonial-text {
        font-size: 0.8125rem;
        line-height: 1.55;
    }

    .testimonial-author img {
        width: 40px;
        height: 40px;
    }

    .testimonial-author h4 {
        font-size: 0.8125rem;
    }

    .trust-item {
        font-size: 0.75rem;
        padding: 0.4375rem 0.875rem;
    }

    /* Consultation */
    .consultation-form {
        padding: 1.25rem;
        border-radius: 0.875rem;
    }

    .consultation-form h2 {
        font-size: 1.25rem;
    }

    .form-grid {
        gap: 0.875rem;
    }

    .loan-type-main {
        grid-template-columns: 1fr;
        gap: 0.5rem;
    }

    .loan-type-card {
        flex-direction: row;
        justify-content: flex-start;
        text-align: left;
        padding: 0.75rem;
        gap: 0.75rem;
    }

    .loan-type-name {
        font-size: 0.875rem;
    }

    .selected-loan-badge {
        padding: 0.625rem;
        gap: 0.625rem;
    }

    .badge-icon {
        width: 2rem;
        height: 2rem;
    }

    .badge-loan-name {
        font-size: 0.875rem;
    }

    /* FAQ */
    .faq-header h2 {
        font-size: 1.375rem;
    }

    .faq-item {
        padding: 0.875rem 1rem;
    }

    .faq-item summary {
        font-size: 0.8125rem;
        gap: 0.5rem;
    }

    .faq-item summary i {
        width: 24px;
        height: 24px;
        font-size: 0.625rem;
    }

    .faq-item p {
        font-size: 0.8125rem;
    }

    /* Blog */
    .blog-header h2 {
        font-size: 1.375rem;
    }

    .blog-image {
        height: 150px;
    }

    .blog-content {
        padding: 1rem;
    }

    .blog-content h3 {
        font-size: 1rem;
    }

    .blog-content p {
        font-size: 0.8125rem;
    }
}

/* Focus states for accessibility */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
.loan-type-card:focus-visible,
.loan-pill:focus-visible {
    outline: 2px solid var(--primary-color);
    outline-offset: 2px;
}

/* ===== HORIZONTAL SLIDE COMPONENTS (Mobile) ===== */

/* Scroll dots hidden by default (desktop) */
.scroll-dots {
    display: none;
}

/* Shared scroll container styles */
@media (max-width: 768px) {
    /* --- Loan Product Cards: Horizontal Snap Scroll --- */
    .loan-cards-wrapper > .row {
        flex-wrap: nowrap;
        overflow-x: auto;
        overflow-y: hidden;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        gap: 0;
        padding: 0.5rem 0 1.25rem;
        margin: 0 -0.75rem;
        padding-left: 0.75rem;
        padding-right: 0.75rem;
    }

    .loan-cards-wrapper > .row::-webkit-scrollbar {
        display: none;
    }

    .loan-cards-wrapper > .row > [class*="col-"] {
        flex: 0 0 82%;
        max-width: 82%;
        scroll-snap-align: start;
        padding: 0 0.5rem;
    }

    .loan-cards-wrapper > .row > [class*="col-"] > .loan-card {
        height: 100%;
        margin-bottom: 0;
    }

    .loan-card {
        border-radius: 1rem;
        border: 1px solid rgba(0, 0, 0, 0.08);
        box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    }

    /* Scroll hint - fade right edge */
    .loan-products-cards .loan-cards-wrapper {
        position: relative;
    }

    .loan-products-cards .loan-cards-wrapper::after {
        content: '';
        position: absolute;
        top: 0;
        right: 0;
        bottom: 0;
        width: 3rem;
        background: linear-gradient(90deg, transparent, var(--bg-color));
        pointer-events: none;
        z-index: 2;
    }

    /* --- How It Works Timeline: handled by grid in main styles --- */

    /* --- Partner Logos: Horizontal Scroll --- */
    .partner-logos {
        flex-wrap: nowrap;
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        justify-content: flex-start;
        gap: 0.75rem;
        padding: 0 0.5rem 0.75rem;
        margin: 0 -0.75rem 0;
    }

    .partner-logos::-webkit-scrollbar {
        display: none;
    }

    .partner-logo-item {
        flex-shrink: 0;
        padding: 0.625rem 1rem;
        border-radius: 0.75rem;
    }

    .partner-logo-item img {
        max-height: 36px;
        max-width: 90px;
    }

    .partner-logo-item:first-child img {
        max-height: 44px;
        max-width: 110px;
    }

    /* --- Scroll Dot Indicators (shared) --- */
    .scroll-dots {
        display: flex;
        justify-content: center;
        gap: 0.375rem;
        padding-top: 0.75rem;
    }

    .scroll-dot {
        width: 6px;
        height: 6px;
        border-radius: 50%;
        background: rgba(0, 0, 0, 0.15);
        transition: all 0.3s ease;
    }

    .scroll-dot.active {
        width: 1.25rem;
        border-radius: 3px;
        background: var(--primary-color);
    }

    /* --- Testimonial Cards: Better Mobile --- */
    .testimonial-slider {
        padding: 0 0.5rem;
    }

    .testimonial-card {
        border-radius: 1rem;
    }

    .testimonial-quote-icon {
        width: 34px;
        height: 34px;
        font-size: 0.75rem;
        margin-bottom: 0.75rem;
    }

    .testimonial-author h4 {
        font-size: 0.875rem;
    }

    .testimonial-stars {
        font-size: 0.7rem;
    }

    /* --- Consultation Loan Type Pills: Horizontal Scroll --- */
    .loan-type-pills {
        display: flex;
        flex-wrap: nowrap;
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        gap: 0.5rem;
        padding-bottom: 0.5rem;
    }

    .loan-type-pills::-webkit-scrollbar {
        display: none;
    }

    .loan-pill {
        flex-shrink: 0;
    }

    /* Hide scroll dots on desktop */
    .scroll-dots {
        display: flex;
    }
}

/* Extra small - tighter card widths */
@media (max-width: 480px) {
    .loan-cards-wrapper > .row > [class*="col-"] {
        flex: 0 0 85%;
        max-width: 85%;
    }

}

@media (max-width: 360px) {
    .loan-cards-wrapper > .row > [class*="col-"] {
        flex: 0 0 90%;
        max-width: 90%;
    }
}

/* ===== FINAL MOBILE POLISH ===== */

/* Global mobile typography & container */
@media (max-width: 768px) {
    .container {
        padding: 0 1.25rem;
    }

    h1 { font-size: 1.75rem; }
    h2 { font-size: 1.5rem; }
    h3 { font-size: 1.25rem; }
    h4 { font-size: 1.0625rem; }

    /* Navbar tighter */
    .navbar {
        padding: 0.5rem 0;
    }

    .logo-img {
        height: 40px;
    }

    /* Disable hover transforms on touch */
    .loan-card:hover,
    .feature-item:hover,
    .partner-logo-item:hover {
        transform: none;
    }

    /* Swiper nav arrows smaller */
    .swiper-button-next,
    .swiper-button-prev {
        width: 32px;
        height: 32px;
    }

    .swiper-button-next::after,
    .swiper-button-prev::after {
        font-size: 12px;
    }

    /* Section headers consistent */
    .how-header h2,
    .partners-title,
    .intro-content h2,
    .consultation-form h2 {
        font-size: 1.5rem;
        line-height: 1.25;
    }

    /* Feature showcase cards */
    .feature-showcase-card {
        min-width: 260px;
        height: 380px;
    }

    .features-showcase {
        padding: 0 0 0 1.25rem;
    }

    .features-carousel {
        padding-right: 1.25rem;
        gap: 1rem;
    }

    /* All products card */
    .all-products-icon {
        width: 3rem;
        height: 3rem;
        margin-bottom: 1rem;
    }

    .all-products-title {
        font-size: 1.25rem;
    }

    .all-products-description {
        font-size: 0.875rem;
        margin-bottom: 1.25rem;
    }

    .all-products-stats {
        gap: 1rem;
        padding: 1rem 0;
    }

    .stat-number {
        font-size: 1.375rem;
    }

    /* Footer touch-friendly links */
    .footer-links-grid a {
        padding: 0.5rem 0;
        font-size: 0.9375rem;
    }

    .footer-legal a {
        padding: 0.25rem 0;
    }

    .subscribe-input button {
        width: 44px;
        height: 44px;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 1rem;
    }

    h1 { font-size: 1.5rem; }
    h2 { font-size: 1.375rem; }
    h3 { font-size: 1.125rem; }

    /* Navbar ultra compact */
    .navbar {
        padding: 0.375rem 0;
    }

    .logo-img {
        height: 34px;
    }

    .btn-nav {
        padding: 0.55rem 0.65rem;
        font-size: 0.72rem;
    }

    /* Feature showcase cards */
    .feature-showcase-card {
        min-width: 240px;
        height: 340px;
    }

    .features-showcase {
        padding: 0 0 0 1rem;
    }

    .features-carousel {
        padding-right: 1rem;
        gap: 0.75rem;
    }

    .feature-showcase-content {
        padding: 1.5rem 1.25rem 1.5rem;
    }

    .feature-showcase-title {
        font-size: 1rem;
    }

    /* Loan card tighter */
    .loan-card-header {
        margin-bottom: 0.75rem;
    }

    .loan-card-features li {
        padding: 0.375rem 0;
        padding-left: 1.5rem;
        font-size: 0.8125rem;
    }

    .loan-card-features {
        margin-bottom: 1.25rem;
    }

    /* All products card */
    .all-products-icon {
        width: 2.5rem;
        height: 2.5rem;
    }

    .all-products-title {
        font-size: 1.125rem;
    }

    .stat-number {
        font-size: 1.25rem;
    }

    /* How it works */
    .how-header h2 {
        font-size: 1.375rem;
    }

    .how-header p {
        font-size: 0.875rem;
    }

    /* Partners tighter */
    .partners-label {
        font-size: 0.75rem;
        letter-spacing: 0.2em;
    }

    /* Footer ultra compact */
    .footer-container {
        gap: 1.5rem;
    }

    .footer-links-grid a {
        font-size: 0.875rem;
        padding: 0.375rem 0;
    }

    .footer-bottom {
        font-size: 0.75rem;
    }

    .footer-legal {
        font-size: 0.75rem;
    }

    /* Prevent horizontal overflow on non-scrolling sections */
    .loan-cards-grid,
    .faq-columns,
    .calculator-grid,
    .form-grid {
        overflow: hidden;
    }
}

/* Extra small phones (320px) */
@media (max-width: 360px) {
    .container {
        padding: 0 0.75rem;
    }

    .loan-card {
        padding: 1rem 0.875rem;
    }

    .loan-card-title {
        font-size: 1rem;
    }

    .consultation-form {
        padding: 1rem;
    }

    .faq-item {
        padding: 0.75rem 0.875rem;
    }

    .faq-item summary {
        font-size: 0.8125rem;
    }

    .blog-content {
        padding: 0.875rem;
    }

    .footer-links-grid {
        gap: 1.25rem 0.75rem;
    }
}

/* Reduced motion preference */
@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
}

/* Print styles */
@media print {
    .header,
    .footer-modern,
    .blog-section {
        display: none;
    }
    
    body {
        font-size: 12pt;
        color: black;
        background: white;
    }
}

/* Home page cohesion pass */
.consultation {
    background:
        radial-gradient(circle at 12% 18%, rgba(161, 226, 198, 0.18), transparent 20%),
        radial-gradient(circle at 86% 10%, rgba(189, 239, 215, 0.16), transparent 16%),
        linear-gradient(180deg, #eff8f2 0%, #f9fcfa 100%);
}

.consultation::before {
    background: radial-gradient(ellipse, rgba(45, 138, 90, 0.1) 0%, transparent 70%);
}

.consultation-grid {
    gap: 1.6rem;
}

.consultation-plans,
.consultation-form {
    background: rgba(255, 255, 255, 0.88);
    border: 1px solid rgba(17, 55, 45, 0.08);
    box-shadow: 0 18px 48px rgba(14, 38, 33, 0.08);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

.consultation-form {
    border-top: 1px solid rgba(17, 55, 45, 0.08);
}

.plan-label,
.more-label {
    color: #5b756a;
    letter-spacing: 0.16em;
}

.plan-heading h3,
.consultation-form h2 {
    font-size: clamp(2rem, 3vw, 2.6rem);
    line-height: 1.04;
}

.plan-heading p,
.consultation-form > p {
    color: #5f786d;
    line-height: 1.7;
}

.loan-type-main {
    gap: 0.85rem;
}

.loan-type-card {
    border-radius: 1.1rem;
    border: 1px solid rgba(17, 55, 45, 0.08);
    background: rgba(247, 251, 249, 0.95);
    box-shadow: 0 10px 24px rgba(14, 38, 33, 0.04);
}

.loan-type-card:hover,
.loan-type-card.active {
    border-color: rgba(45, 138, 90, 0.18);
    box-shadow: 0 16px 30px rgba(14, 38, 33, 0.08);
}

.loan-type-icon {
    width: 46px;
    height: 46px;
    border-radius: 0.95rem;
    background: linear-gradient(135deg, #11372d, #2d8a5a);
    box-shadow: 0 10px 18px rgba(17, 55, 45, 0.14);
}

.loan-type-card.active .loan-type-icon {
    background: linear-gradient(135deg, #11372d, #45a978);
}

.loan-type-name {
    font-size: 0.95rem;
}

.loan-pill {
    border-radius: 999px;
    border: 1px solid rgba(17, 55, 45, 0.12);
    background-color: rgba(255, 255, 255, 0.9);
}

.loan-benefits {
    border-radius: 1rem;
    background: linear-gradient(180deg, rgba(244, 251, 247, 0.96), rgba(235, 247, 240, 0.96));
    border: 1px solid rgba(45, 138, 90, 0.1);
}

.selected-loan-badge {
    background: linear-gradient(135deg, #11372d, #2d8a5a);
    border-radius: 1rem;
    box-shadow: 0 14px 28px rgba(17, 55, 45, 0.16);
}

.submit-btn {
    border-radius: 999px;
    padding: 1rem 1.5rem;
}

.faq-section {
    background:
        linear-gradient(180deg, #ffffff 0%, #f6fbf8 100%);
    padding: 5rem 0;
}

.faq-wrapper {
    max-width: 980px;
    margin: 0 auto;
}

.faq-header {
    text-align: center;
    margin-bottom: 2rem;
}

.faq-item {
    border-radius: 1.15rem;
    background: rgba(255, 255, 255, 0.92);
    border: 1px solid rgba(17, 55, 45, 0.08);
    box-shadow: 0 10px 28px rgba(14, 38, 33, 0.05);
}

.faq-item[open] {
    border-color: rgba(45, 138, 90, 0.18);
    box-shadow: 0 16px 34px rgba(14, 38, 33, 0.08);
}

.faq-item summary {
    font-weight: 600;
}

.blog-section {
    padding: 5rem 0 5.5rem;
    background:
        radial-gradient(circle at 84% 18%, rgba(161, 226, 198, 0.14), transparent 16%),
        linear-gradient(180deg, #f8fcf9 0%, #ffffff 100%);
}

.blog-header {
    align-items: end;
    margin-bottom: 2.5rem;
}

.blog-header h2 {
    font-size: clamp(2.2rem, 3.8vw, 3.6rem);
    line-height: 1.04;
}

.view-all-btn {
    border-radius: 999px;
    padding: 0.95rem 1.45rem;
    background: #11372d;
    color: #ffffff;
    border: none;
}

.view-all-btn:hover {
    background: #1a5543;
    color: #ffffff;
}

.blog-card {
    border-radius: 1.3rem;
    border: 1px solid rgba(17, 55, 45, 0.08);
    box-shadow: 0 12px 30px rgba(14, 38, 33, 0.06);
}

.blog-card .blog-content {
    padding: 1.4rem 1.35rem 1.5rem;
}

@media (max-width: 768px) {
    .consultation,
    .faq-section,
    .blog-section {
        padding: 3.5rem 0;
    }

    .consultation-plans,
    .consultation-form {
        border-radius: 1.25rem;
    }

    .plan-heading h3,
    .consultation-form h2 {
        font-size: 1.7rem;
    }

    .faq-item,
    .blog-card {
        border-radius: 1rem;
    }
}

/* Refined How It Works */
.how-works {
    padding: 5.75rem 0 5rem;
    background:
        radial-gradient(circle at 16% 22%, rgba(175, 230, 203, 0.2), transparent 18%),
        linear-gradient(180deg, #eef8f2 0%, #f9fcfa 100%);
}

.how-header {
    text-align: center;
    margin-bottom: 2.7rem;
}

.how-features-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.55rem;
    padding: 0.45rem 1rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.88);
    border: 1px solid rgba(17, 55, 45, 0.08);
    color: #4f695e;
    font-size: 0.82rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
}

.how-features-pill i {
    color: #2f68ff;
    font-size: 0.85rem;
}

.how-header h2 {
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(2.7rem, 5.2vw, 5.7rem);
    font-weight: 500;
    line-height: 0.98;
    letter-spacing: -0.04em;
    max-width: 980px;
    margin: 1rem auto 1rem;
}

.how-header p {
    font-size: 0.98rem;
    line-height: 1.68;
    max-width: 700px;
}

.how-refined-cta {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    margin-top: 1.15rem;
    padding: 0.95rem 1.45rem;
    border-radius: 999px;
    background: #123f36;
    color: #ffffff;
    text-decoration: none;
    font-weight: 700;
    box-shadow: 0 10px 22px rgba(17, 55, 45, 0.12);
}

.how-refined-cta:hover {
    color: #ffffff;
    background: #1a5543;
}

.how-refined-grid {
    position: relative;
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1rem;
}

.how-refined-card {
    position: relative;
    min-height: 300px;
    padding: 1.6rem 1.45rem 1.35rem;
    border-radius: 1.5rem;
    background: rgba(255, 255, 255, 0.72);
    border: 1px solid rgba(17, 55, 45, 0.08);
    box-shadow: 0 14px 34px rgba(14, 38, 33, 0.06);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.how-refined-card-badge {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1.6rem;
}

.how-refined-card-icon {
    width: 3.1rem;
    height: 3.1rem;
    border-radius: 1rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: #c8f25f;
    color: #102d22;
    font-size: 1.1rem;
    box-shadow: 0 8px 18px rgba(200, 242, 95, 0.24);
}

.how-refined-step-number {
    font-size: 0.78rem;
    font-weight: 800;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: rgba(16, 45, 34, 0.58);
}

.how-refined-card-body {
    position: relative;
    z-index: 2;
    max-width: none;
}

.how-refined-card-body h3 {
    margin: 0 0 0.8rem;
    font-family: Georgia, "Times New Roman", serif;
    font-size: 1.18rem;
    font-weight: 500;
    line-height: 1.15;
    color: #102d22;
}

.how-refined-card-body p {
    margin: 0;
    font-size: 0.95rem;
    line-height: 1.6;
    color: #557065;
}

.how-refined-link {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    margin-top: 1.4rem;
    color: #153e31;
    font-weight: 700;
    text-decoration: none;
}

.how-refined-link:hover {
    color: #11372d;
}

.hw-bottom-cta {
    margin-top: 1.1rem;
}

.hw-cta-note {
    font-size: 0.86rem;
    color: #5d766c;
    font-weight: 600;
}

@media (max-width: 992px) {
    .how-refined-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {
    .how-works {
        padding: 3.5rem 0;
    }

    .how-header h2 {
        font-size: 2.4rem;
    }

    .how-header p {
        font-size: 0.9375rem;
    }

    .how-refined-grid {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .how-refined-card {
        min-height: auto;
        padding: 1.1rem 1rem;
        border-radius: 1.1rem;
    }
}

/* Testimonials component refinement */
@media (max-width: 768px) {
    .testimonials-header {
        flex-direction: column;
        align-items: flex-start;
    }

    .partners-title {
        text-align: left;
        font-size: 2rem;
    }

    .testimonials-nav {
        display: none;
    }

    .testimonial-slider {
        overflow: hidden;
        width: 100%;
    }

    .testimonial-slider .swiper-wrapper,
    .testimonial-slider .swiper-slide {
        max-width: 100%;
    }

    .testimonial-story-card {
        min-height: 460px;
        width: 100%;
        max-width: 100%;
    }

    .testimonial-story-overlay {
        padding: 1rem 1rem 1.15rem;
    }

    .testimonial-story-quote {
        font-size: 1rem;
        line-height: 1.42;
    }

    .testimonial-story-meta {
        flex-direction: column;
        align-items: flex-start;
        gap: 0.45rem;
    }
}

@media (max-width: 480px) {
    .testimonial-story-card {
        min-height: 420px;
    }

    .testimonial-story-quote {
        font-size: 0.95rem;
    }
}

/* Consultation section refinement */
.consultation {
    padding: 5.5rem 0;
}

.consultation-grid {
    gap: 1.4rem;
    align-items: start;
}

.consultation-plans,
.consultation-form {
    border-radius: 1.6rem;
    background: rgba(255, 255, 255, 0.92);
    border: 1px solid rgba(17, 55, 45, 0.08);
    box-shadow: 0 20px 48px rgba(14, 38, 33, 0.08);
}

.plan-heading {
    margin-bottom: 1.6rem;
}

.plan-heading h3,
.consultation-form h2 {
    font-size: clamp(2rem, 3vw, 2.5rem);
    line-height: 1.04;
    margin-bottom: 0.75rem;
}

.plan-heading p,
.consultation-form > p {
    color: #5c766b;
    line-height: 1.7;
}

.loan-type-main {
    gap: 0.8rem;
    margin-bottom: 1.5rem;
}

.loan-type-card {
    padding: 1.25rem 0.9rem;
    border-radius: 1.15rem;
    border: 1px solid rgba(17, 55, 45, 0.08);
    background: linear-gradient(180deg, rgba(250, 253, 251, 0.98), rgba(241, 248, 244, 0.96));
    box-shadow: 0 10px 22px rgba(14, 38, 33, 0.04);
}

.loan-type-card:hover {
    transform: translateY(-3px);
    border-color: rgba(45, 138, 90, 0.16);
    box-shadow: 0 16px 28px rgba(14, 38, 33, 0.08);
}

.loan-type-card.active {
    border-color: rgba(45, 138, 90, 0.22);
    background: #ffffff;
    box-shadow: 0 18px 34px rgba(45, 138, 90, 0.12);
}

.loan-type-icon {
    width: 48px;
    height: 48px;
    border-radius: 1rem;
    background: linear-gradient(135deg, #123f36, #45a978);
    box-shadow: 0 10px 18px rgba(17, 55, 45, 0.12);
}

.loan-type-name {
    font-size: 0.94rem;
    font-weight: 700;
}

.more-label {
    margin-bottom: 0.85rem;
    font-size: 0.8rem;
    letter-spacing: 0.14em;
}

.loan-type-pills {
    gap: 0.65rem;
}

.loan-pill {
    padding: 0.7rem 1rem;
    border: 1px solid rgba(17, 55, 45, 0.1);
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.92);
    box-shadow: 0 6px 16px rgba(14, 38, 33, 0.04);
}

.loan-pill:hover {
    border-color: rgba(45, 138, 90, 0.2);
    box-shadow: 0 10px 20px rgba(14, 38, 33, 0.06);
}

.loan-benefits {
    margin-top: 0.2rem;
    padding: 1.35rem 1.25rem;
    border-radius: 1.15rem;
    background: linear-gradient(180deg, rgba(244, 251, 247, 0.96), rgba(235, 247, 240, 0.96));
}

.loan-benefits h4 {
    margin-bottom: 0.9rem;
    font-size: 1.02rem;
}

.loan-benefits li {
    gap: 0.65rem;
    font-size: 0.9rem;
    line-height: 1.55;
}

.selected-loan-badge {
    border-radius: 1rem;
    padding: 1rem 1.15rem;
    box-shadow: 0 14px 30px rgba(17, 55, 45, 0.14);
}

.badge-icon {
    width: 42px;
    height: 42px;
    border-radius: 0.95rem;
}

.badge-loan-name {
    font-size: 1.02rem;
}

.consultation-form .form-grid {
    gap: 1rem;
}

.consultation-form input,
.consultation-form select,
.consultation-form textarea {
    min-height: 54px;
    border-radius: 0.9rem;
    border: 1px solid rgba(17, 55, 45, 0.12);
    background: rgba(255, 255, 255, 0.96);
}

.consultation-form .input-group .input-group-text {
    border-radius: 0.9rem 0 0 0.9rem;
    border-color: rgba(17, 55, 45, 0.12);
}

.consultation-form .input-group input {
    border-radius: 0 0.9rem 0.9rem 0;
}

.submit-btn {
    min-height: 56px;
    border-radius: 999px;
    box-shadow: 0 12px 26px rgba(45, 138, 90, 0.18);
}

.consultation-form .form-text {
    font-size: 0.84rem;
    color: #617a70;
}

@media (max-width: 768px) {
    .consultation {
        padding: 3.75rem 0;
    }

    .consultation-plans,
    .consultation-form {
        padding: 1rem;
        border-radius: 1.05rem;
    }

    .plan-heading h3,
    .consultation-form h2 {
        font-size: 1.42rem;
        line-height: 1.1;
    }

    .plan-heading p,
    .consultation-form > p {
        font-size: 0.84rem;
        line-height: 1.5;
        margin-bottom: 1rem;
    }

    .plan-label,
    .more-label {
        font-size: 0.72rem;
        letter-spacing: 0.12em;
    }

    .loan-type-main {
        display: flex;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        gap: 0.55rem;
        margin-bottom: 1rem;
        padding-bottom: 0.25rem;
        scrollbar-width: none;
        -webkit-overflow-scrolling: touch;
    }

    .loan-type-main::-webkit-scrollbar {
        display: none;
    }

    .loan-type-card {
        flex: 0 0 calc(50% - 0.3rem);
        min-width: 132px;
        scroll-snap-align: start;
        padding: 0.85rem 0.45rem 0.75rem;
        border-radius: 0.95rem;
        gap: 0.35rem;
    }

    .loan-type-icon {
        width: 36px;
        height: 36px;
        border-radius: 0.8rem;
        font-size: 1rem;
    }

    .loan-type-name {
        font-size: 0.78rem;
        line-height: 1.2;
    }

    .more-loan-types {
        margin-bottom: 1rem;
    }

    .loan-type-pills {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 0.45rem;
    }

    .loan-pill {
        padding: 0.58rem 0.45rem;
        border-radius: 0.85rem;
        flex-direction: column;
        gap: 0.25rem;
        text-align: center;
        min-height: 68px;
    }

    .loan-pill span {
        font-size: 0.74rem;
        line-height: 1.15;
    }

    .loan-benefits {
        padding: 0.9rem 0.9rem 0.85rem;
        border-radius: 0.95rem;
    }

    .loan-benefits h4 {
        font-size: 0.9rem;
        line-height: 1.35;
    }

    .loan-benefits li {
        font-size: 0.8rem;
        gap: 0.45rem;
        margin-bottom: 0.6rem;
    }

    .selected-loan-badge {
        padding: 0.75rem 0.85rem;
        gap: 0.65rem;
        border-radius: 0.9rem;
        margin-bottom: 1rem;
    }

    .badge-icon {
        width: 34px;
        height: 34px;
        border-radius: 0.8rem;
        font-size: 1rem;
    }

    .badge-label {
        font-size: 0.68rem;
    }

    .badge-loan-name {
        font-size: 0.88rem;
    }

    .badge-change {
        width: 28px;
        height: 28px;
    }

    .consultation-form .form-grid {
        gap: 0.75rem;
        margin-bottom: 1rem;
    }

    .consultation-form label {
        font-size: 0.82rem;
        gap: 0.25rem;
    }

    .consultation-form input,
    .consultation-form select,
    .consultation-form textarea {
        min-height: 46px;
        padding: 0.72rem 0.82rem;
        font-size: 0.9rem;
        border-radius: 0.8rem;
    }

    .consultation-form .input-group .input-group-text {
        padding: 0 0.75rem;
        border-radius: 0.8rem 0 0 0.8rem;
    }

    .consultation-form .input-group input {
        border-radius: 0 0.8rem 0.8rem 0;
    }

    .submit-btn {
        min-height: 48px;
        padding: 0.85rem 1rem;
        font-size: 0.88rem;
        border-radius: 999px;
    }

    .consultation-form .form-text {
        font-size: 0.74rem;
        line-height: 1.4;
        margin-top: 0.8rem;
    }
}

@media (max-width: 390px) {
    .loan-type-card {
        flex: 0 0 78%;
    }

    .loan-type-pills {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

/* Mobile overflow + consultation usability fix */
html,
body {
    overflow-x: clip;
}

.partners-showcase,
.testimonials-block,
.testimonial-slider,
.testimonial-slider .swiper-wrapper,
.testimonial-slider .swiper-slide {
    max-width: 100%;
}

.testimonial-slider {
    overflow: hidden;
}

.testimonial-story-card {
    width: 100%;
    max-width: 100%;
}

@media (max-width: 768px) {
    .partner-logos,
    .loan-cards-wrapper > .row,
    .loan-type-main,
    .loan-type-pills {
        overscroll-behavior-x: contain;
    }

    .loan-cards-wrapper > .row {
        margin: 0;
        padding-left: 0;
        padding-right: 0;
    }

    .partner-logos {
        margin: 0;
        padding-left: 0;
        padding-right: 0;
    }

    .testimonials-block {
        overflow: hidden;
    }

    .testimonial-slider {
        margin: 0;
        padding: 0;
    }

    .testimonial-slider .swiper-slide {
        width: auto;
    }

    .consultation-grid {
        gap: 1rem;
    }

    .consultation-plans,
    .consultation-form {
        padding: 1.1rem;
    }

    .plan-heading {
        margin-bottom: 1.1rem;
    }

    .plan-heading h3,
    .consultation-form h2 {
        font-size: 1.5rem;
        line-height: 1.08;
    }

    .plan-heading p,
    .consultation-form > p {
        font-size: 0.88rem;
        line-height: 1.55;
    }

    .loan-type-main {
        display: flex;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        gap: 0.75rem;
        padding-bottom: 0.35rem;
        margin-bottom: 1.1rem;
    }

    .loan-type-main::-webkit-scrollbar {
        display: none;
    }

    .loan-type-card {
        flex: 0 0 44%;
        min-width: 140px;
        scroll-snap-align: start;
        padding: 0.95rem 0.75rem;
        gap: 0.45rem;
    }

    .loan-type-name {
        font-size: 0.84rem;
    }

    .loan-type-pills {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 0.55rem;
    }

    .loan-pill {
        min-width: 0;
        justify-content: center;
        padding: 0.65rem 0.7rem;
        font-size: 0.82rem;
    }

    .loan-pill i {
        font-size: 0.92rem;
    }

    .loan-benefits {
        padding: 1rem;
        border-radius: 1rem;
    }

    .loan-benefits h4 {
        font-size: 0.96rem;
    }

    .loan-benefits li {
        font-size: 0.84rem;
        gap: 0.55rem;
    }

    .selected-loan-badge {
        gap: 0.75rem;
        padding: 0.8rem 0.9rem;
        border-radius: 0.95rem;
    }

    .badge-icon {
        width: 38px;
        height: 38px;
    }

    .badge-loan-name {
        font-size: 0.95rem;
    }

    .consultation-form .form-grid {
        gap: 0.85rem;
    }

    .consultation-form label {
        font-size: 0.88rem;
    }

    .consultation-form input,
    .consultation-form select,
    .consultation-form textarea {
        min-height: 50px;
        padding: 0.78rem 0.9rem;
        font-size: 0.95rem;
    }

    .consultation-form .input-group .input-group-text {
        padding: 0 0.85rem;
    }

    .submit-btn {
        min-height: 52px;
        padding: 0.9rem 1.2rem;
        font-size: 0.92rem;
    }

    .consultation-form .form-text {
        font-size: 0.78rem;
        line-height: 1.45;
    }
}

/* Pre-footer CTA */
.prefooter-cta-section {
    padding: 2.5rem 0 0;
    background: #ffffff;
}

.prefooter-cta-shell {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(280px, 0.75fr);
    gap: 2rem;
    padding: 5.5rem 4.5rem 3rem;
    border-radius: 2rem;
    background:
        url("https://cdn.prod.website-files.com/67df81a822029924f746a286/67df81a822029924f746a2f2_cta%20grid.svg") top center / 93% no-repeat,
        linear-gradient(180deg, #2d8a5a 0%, #f4faf6 73%);
    overflow: hidden;
}

.prefooter-cta-copy {
    max-width: 540px;
}

.prefooter-cta-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 0.95rem;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.7);
    border: 1px solid rgba(17, 55, 45, 0.08);
    color: #4a6358;
    font-size: 0.8rem;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
}

.prefooter-cta-copy h2 {
    margin: 1.15rem 0 1rem;
    font-size: clamp(2.5rem, 4.8vw, 4.4rem);
    line-height: 1.02;
    letter-spacing: -0.04em;
    color: #0b1411;
}

.prefooter-cta-copy p {
    max-width: 420px;
    margin: 0 0 2rem;
    color: #5e6d67;
    font-size: 1rem;
    line-height: 1.7;
}

.prefooter-cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.85rem;
}

.prefooter-cta-primary,
.prefooter-cta-secondary {
    display: inline-flex;
    align-items: center;
    gap: 0.7rem;
    padding: 0.95rem 1.35rem;
    border-radius: 999px;
    text-decoration: none;
    font-weight: 700;
}

.prefooter-cta-primary {
    background: #123f36;
    color: #ffffff;
    box-shadow: 0 10px 24px rgba(17, 55, 45, 0.16);
}

.prefooter-cta-primary:hover {
    color: #ffffff;
    background: #1a5543;
}

.prefooter-cta-secondary {
    background: rgba(255, 255, 255, 0.84);
    color: #153e31;
    border: 1px solid rgba(17, 55, 45, 0.1);
}

.prefooter-cta-secondary:hover {
    color: #11372d;
    background: #ffffff;
}

.prefooter-cta-aside {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    grid-template-areas:
        "video video video"
        "stat1 stat2 stat3";
    align-content: end;
    gap: 0.85rem;
}

.prefooter-cta-video-frame {
    grid-area: video;
    position: relative;
    min-height: 280px;
    border-radius: 1.35rem;
    overflow: hidden;
    background: rgba(255, 255, 255, 0.78);
    border: 1px solid rgba(17, 55, 45, 0.08);
    box-shadow: 0 14px 34px rgba(14, 38, 33, 0.08);
}

.prefooter-cta-video {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.prefooter-cta-stat {
    padding: 1.15rem 1.2rem;
    border-radius: 1.2rem;
    background: rgba(255, 255, 255, 0.72);
    border: 1px solid rgba(17, 55, 45, 0.08);
    box-shadow: 0 10px 28px rgba(14, 38, 33, 0.06);
}

.prefooter-cta-stat:nth-of-type(1) { grid-area: stat1; }
.prefooter-cta-stat:nth-of-type(2) { grid-area: stat2; }
.prefooter-cta-stat:nth-of-type(3) { grid-area: stat3; }

.prefooter-cta-stat strong {
    display: block;
    margin-bottom: 0.35rem;
    color: #102d22;
    font-size: 1rem;
}

.prefooter-cta-stat span {
    color: #5d766c;
    font-size: 0.92rem;
    line-height: 1.55;
}

@media (max-width: 992px) {
    .prefooter-cta-shell {
        grid-template-columns: 1fr;
        padding: 4rem 2.25rem 2.5rem;
        gap: 1.5rem;
        background:
            url("https://cdn.prod.website-files.com/67df81a822029924f746a286/67df81a822029924f746a2f2_cta%20grid.svg") top center / 140% no-repeat,
            linear-gradient(180deg, #2d8a5a 0%, #f4faf6 73%);
    }

    .prefooter-cta-aside {
        grid-template-columns: 1fr;
        grid-template-areas:
            "video"
            "stat1"
            "stat2"
            "stat3";
        justify-content: flex-start;
    }
}

@media (max-width: 768px) {
    .prefooter-cta-section {
        padding-top: 2rem;
    }

    .prefooter-cta-shell {
        padding: 3rem 1.25rem 2rem;
        border-radius: 1.4rem;
        background:
            linear-gradient(180deg, #45a978 0%, #f4faf6 72%);
    }

    .prefooter-cta-copy h2 {
        font-size: 2.2rem;
    }

    .prefooter-cta-actions {
        flex-direction: column;
    }

    .prefooter-cta-video-frame {
        min-height: 220px;
    }

    .prefooter-cta-primary,
    .prefooter-cta-secondary {
        justify-content: center;
        width: 100%;
    }
}



/* ============================================
   MINIMAL MOBILE FIX (essential only)
   ============================================ */
@media (max-width: 768px) {
    .nav-actions .btn-outline-nav { display: none; }
    .nav-actions .btn-nav { padding: 0.5rem 0.85rem; font-size: 0.82rem; }
    input, select, textarea, .form-control { font-size: 16px !important; }
    .form-row, .form-grid { grid-template-columns: 1fr !important; }
}
html, body { overflow-x: hidden; }

/* ============================================
   SURGICAL MOBILE FIX (2026-05-13)
   1. Container padding fits mobile width
   2. Sticky header offset on anchor scroll
   3. Consultation/loan grids 1-col on mobile
   4. NO wildcards, NO universal selectors
   ============================================ */
@media (max-width: 768px) {
    /* 1. Container — comfortable padding on mobile */
    .container {
        padding-left: 1rem;
        padding-right: 1rem;
    }

    /* 2. Sticky header offset for anchor sections (so they aren't hidden under nav) */
    section[id], #consultation-section {
        scroll-margin-top: 80px;
    }

    /* 3. Consultation section — single column */
    .consultation-grid {
        grid-template-columns: 1fr !important;
        gap: 1.5rem;
    }
    .consultation-plans,
    .consultation-form {
        padding: 1.25rem;
        max-width: 100%;
        box-sizing: border-box;
    }

    /* 4. Choose Your Loan — main 3 cards: 1 col */
    .loan-type-main {
        grid-template-columns: 1fr !important;
        gap: 0.6rem;
    }
    .loan-type-card {
        padding: 0.85rem 1rem;
        flex-direction: row;
        text-align: left;
    }
    .loan-type-card .loan-type-icon {
        flex-shrink: 0;
    }

    /* 5. More Loan Options pills wrap */
    .loan-type-pills {
        display: flex;
        flex-wrap: wrap;
        gap: 0.5rem;
    }
    .loan-pill {
        flex: 0 0 calc(33.333% - 0.4rem);
        min-width: 0;
        max-width: calc(33.333% - 0.4rem);
        padding: 0.6rem 0.4rem;
        font-size: 0.75rem;
        text-align: center;
    }

    /* 6. Form-grid inside consultation form: 1 column */
    .consultation-form .form-grid {
        grid-template-columns: 1fr;
        gap: 0.85rem;
    }
}

@media (max-width: 480px) {
    .container { padding-left: 0.85rem; padding-right: 0.85rem; }
    .loan-pill { flex: 0 0 calc(50% - 0.25rem); max-width: calc(50% - 0.25rem); }
}

/* ============================================
   NF APPLY — Minimalistic Redesign (2026-05-13)
   Scoped, safe, no wildcards
   ============================================ */
.nf-apply {
    padding: 4rem 0;
    background: #ffffff;
    color: #0d3d2a;
}
.nf-apply-wrap {
    max-width: 1080px;
    margin: 0 auto;
    padding: 0 1rem;
    box-sizing: border-box;
}
.nf-apply-head {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 2rem;
}
.nf-apply-tag {
    display: inline-block;
    font-size: 0.72rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #1a6b47;
    font-weight: 700;
    background: rgba(26,107,71,0.08);
    padding: 0.35rem 0.8rem;
    border-radius: 100px;
    margin-bottom: 0.85rem;
}
.nf-apply-head h2 {
    font-size: clamp(1.6rem, 3.2vw, 2.1rem);
    font-weight: 700;
    line-height: 1.2;
    color: #0d3d2a;
    margin: 0 0 0.55rem;
}
.nf-apply-head h2 span { color: #1a6b47; }
.nf-apply-head p {
    color: #4b5563;
    font-size: 0.96rem;
    margin: 0;
    line-height: 1.55;
}

.nf-apply-card {
    display: grid;
    grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.4fr);
    gap: 0;
    background: #ffffff;
    border: 1px solid #e5e7eb;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 6px 32px rgba(13,61,42,0.05);
    box-sizing: border-box;
}
.nf-apply-card > * {
    min-width: 0;
    padding: 1.75rem 1.5rem;
    box-sizing: border-box;
}
.nf-apply-left {
    background: #fafaf6;
    border-right: 1px solid #f3f4f6;
}
.nf-apply-right { background: #ffffff; }

.nf-apply-label {
    font-size: 0.78rem;
    font-weight: 700;
    color: #1f2937;
    margin: 0 0 0.85rem;
    letter-spacing: 0.02em;
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.5rem;
}
.nf-apply-pill {
    margin-left: auto;
    background: rgba(26,107,71,0.08);
    color: #1a6b47;
    font-size: 0.7rem;
    padding: 0.25rem 0.6rem;
    border-radius: 100px;
    font-weight: 500;
    text-transform: none;
    letter-spacing: 0;
}
.nf-apply-pill strong { font-weight: 700; }

/* Loan chips — clean grid */
.nf-apply-chips {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.5rem;
}
.nf-chip {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 0.3rem;
    padding: 0.85rem 0.4rem;
    border: 1px solid #e5e7eb;
    border-radius: 10px;
    background: #ffffff;
    color: #475569;
    font-family: inherit;
    cursor: pointer;
    transition: all 0.15s ease;
    min-height: 70px;
    min-width: 0;
    box-sizing: border-box;
}
.nf-chip i { font-size: 1rem; color: #1a6b47; }
.nf-chip span { font-size: 0.72rem; font-weight: 600; }
.nf-chip:hover {
    border-color: #1a6b47;
    color: #0d3d2a;
}
.nf-chip.is-active {
    background: #0d3d2a;
    border-color: #0d3d2a;
    color: #ffffff;
}
.nf-chip.is-active i { color: #4ade80; }

/* Bullets */
.nf-apply-bullets {
    list-style: none;
    padding: 0;
    margin: 1.5rem 0 0;
    display: flex;
    flex-direction: column;
    gap: 0.55rem;
}
.nf-apply-bullets li {
    color: #374151;
    font-size: 0.85rem;
    line-height: 1.5;
    padding-left: 1.2rem;
    position: relative;
}
.nf-apply-bullets li::before {
    content: "✓";
    position: absolute;
    left: 0;
    top: 0;
    color: #1a6b47;
    font-weight: 700;
}
.nf-apply-bullets strong { color: #0d3d2a; font-weight: 700; }

/* Form */
.nf-form { display: flex; flex-direction: column; gap: 0.85rem; }
.nf-row {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 0.75rem;
}
.nf-field { display: flex; flex-direction: column; gap: 0.3rem; min-width: 0; }
.nf-col-2 { grid-column: 1 / -1; }
.nf-field label {
    font-size: 0.72rem;
    font-weight: 700;
    color: #1f2937;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}
.nf-opt {
    text-transform: none;
    color: #9ca3af;
    font-weight: 400;
    margin-left: 0.25rem;
}
.nf-field input,
.nf-field select,
.nf-field textarea {
    width: 100%;
    box-sizing: border-box;
    padding: 0.7rem 0.85rem;
    border: 1.5px solid #e5e7eb;
    border-radius: 8px;
    font-size: 0.93rem;
    color: #1f2937;
    background: #ffffff;
    font-family: inherit;
    line-height: 1.4;
    transition: border-color 0.15s, box-shadow 0.15s;
}
.nf-field input:focus,
.nf-field select:focus,
.nf-field textarea:focus {
    outline: none;
    border-color: #1a6b47;
    box-shadow: 0 0 0 3px rgba(26,107,71,0.1);
}
.nf-field input.ok { border-color: #10b981; }
.nf-field input.bad { border-color: #ef4444; }
.nf-field textarea { resize: vertical; min-height: 60px; }

.nf-prefix {
    display: flex;
    align-items: stretch;
    border: 1.5px solid #e5e7eb;
    border-radius: 8px;
    overflow: hidden;
    background: #ffffff;
    transition: border-color 0.15s, box-shadow 0.15s;
}
.nf-prefix:focus-within {
    border-color: #1a6b47;
    box-shadow: 0 0 0 3px rgba(26,107,71,0.1);
}
.nf-prefix > span:first-child {
    background: #f3f4f6;
    color: #1f2937;
    font-weight: 600;
    padding: 0 0.75rem;
    display: flex;
    align-items: center;
    font-size: 0.85rem;
    border-right: 1px solid #e5e7eb;
}
.nf-prefix input {
    border: none;
    flex: 1;
    min-width: 0;
    width: 100%;
    border-radius: 0;
    padding-left: 0.75rem;
    padding-right: 0.75rem;
}
.nf-prefix input:focus { box-shadow: none; }
.nf-suffix {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0 0.75rem;
    background: #ffffff;
    color: #6b7280;
    font-size: 0.95rem;
    min-width: 38px;
}
.nf-suffix .fa-check-circle { color: #10b981; }
.nf-suffix .fa-times-circle { color: #ef4444; }

.nf-submit {
    margin-top: 0.5rem;
    width: 100%;
    padding: 0.95rem 1.25rem;
    background: #0d3d2a;
    color: #ffffff;
    border: none;
    border-radius: 10px;
    font-size: 0.95rem;
    font-weight: 700;
    font-family: inherit;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.6rem;
    transition: background 0.15s, transform 0.1s;
}
.nf-submit:hover { background: #1a6b47; }
.nf-submit:active { transform: translateY(1px); }
.nf-secure {
    text-align: center;
    color: #6b7280;
    font-size: 0.74rem;
    margin: 0.4rem 0 0;
}
.nf-secure i { color: #1a6b47; margin-right: 0.25rem; }
.nf-secure a { color: #1a6b47; text-decoration: none; font-weight: 600; }

/* Mobile — stack */
@media (max-width: 760px) {
    .nf-apply { padding: 2.5rem 0; }
    .nf-apply-card {
        grid-template-columns: minmax(0, 1fr);
    }
    .nf-apply-left {
        border-right: none;
        border-bottom: 1px solid #f3f4f6;
        padding: 1.25rem 1rem;
    }
    .nf-apply-right { padding: 1.25rem 1rem; }
    .nf-row { grid-template-columns: minmax(0, 1fr); gap: 0.7rem; }
    .nf-apply-chips { grid-template-columns: repeat(3, minmax(0, 1fr)); }
    .nf-chip { min-height: 64px; padding: 0.7rem 0.3rem; }
    .nf-chip i { font-size: 0.95rem; }
    .nf-chip span { font-size: 0.68rem; }
    .nf-field input, .nf-field select, .nf-field textarea { font-size: 16px; } /* prevent iOS zoom */
    .nf-apply-pill { font-size: 0.65rem; padding: 0.2rem 0.5rem; }
}

/* ============================================
   MOBILE NAV REDESIGN (2026-05-13)
   Clean hamburger + slide-down panel
   Scoped to mobile only — desktop untouched
   ============================================ */
@media (max-width: 992px) {
    /* Header — solid background on mobile so content doesn't bleed through */
    .header {
        background: #ffffff !important;
        border-bottom: 1px solid #e5e7eb !important;
        box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
    }

    /* Hide both action buttons on mobile (move into menu) */
    .nav-actions {
        display: none !important;
    }

    /* Visible hamburger button */
    .nav-toggle {
        display: inline-flex !important;
        align-items: center;
        justify-content: center;
        width: 42px;
        height: 42px;
        border: 1.5px solid #e5e7eb;
        border-radius: 10px;
        background: #ffffff;
        cursor: pointer;
        position: relative;
        padding: 0;
        z-index: 1100;
        transition: background 0.15s, border-color 0.15s;
    }
    .nav-toggle:hover {
        background: #f8f6f1;
        border-color: #1a6b47;
    }

    /* Hamburger icon — 3 lines */
    .nav-toggle .hamburger,
    .nav-toggle .menu-icon {
        position: relative;
        display: inline-block;
        width: 20px;
        height: 2px;
        background: #0d3d2a;
        border-radius: 2px;
        transition: background 0.2s;
        transform: none !important;
    }
    .nav-toggle .hamburger::before,
    .nav-toggle .hamburger::after,
    .nav-toggle .menu-icon::before,
    .nav-toggle .menu-icon::after {
        content: "";
        position: absolute;
        left: 0;
        width: 20px;
        height: 2px;
        background: #0d3d2a;
        border-radius: 2px;
        transition: transform 0.25s, top 0.25s;
    }
    .nav-toggle .hamburger::before,
    .nav-toggle .menu-icon::before { top: -6px; }
    .nav-toggle .hamburger::after,
    .nav-toggle .menu-icon::after { top: 6px; }

    /* Open state — X icon */
    .nav-menu.active ~ .nav-toggle .hamburger,
    .nav-toggle[aria-expanded="true"] .hamburger,
    .nav-toggle[aria-expanded="true"] .menu-icon {
        background: transparent;
    }

    /* Menu panel — slide-in from top */
    .nav-menu {
        position: fixed !important;
        top: 64px !important;
        left: 0 !important;
        right: 0 !important;
        bottom: 0 !important;
        width: 100% !important;
        max-width: 100% !important;
        background: #ffffff !important;
        flex-direction: column !important;
        align-items: stretch !important;
        gap: 0 !important;
        padding: 1rem 1.25rem 2rem !important;
        margin: 0 !important;
        list-style: none !important;
        overflow-y: auto !important;
        transform: translateX(100%);
        transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
        z-index: 1090;
        box-shadow: -4px 0 20px rgba(0, 0, 0, 0.08);
        border-top: 1px solid #f3f4f6;
    }
    .nav-menu.active {
        transform: translateX(0);
        display: flex !important;
    }

    .nav-menu li {
        list-style: none;
        border-bottom: 1px solid #f3f4f6;
    }
    .nav-menu li:last-child { border-bottom: none; }

    .nav-menu .nav-link {
        display: block;
        padding: 1rem 0.5rem;
        font-size: 1rem;
        font-weight: 600;
        color: #0d3d2a;
        text-decoration: none;
        transition: color 0.15s, padding-left 0.15s;
    }
    .nav-menu .nav-link:hover {
        color: #1a6b47;
        padding-left: 0.85rem;
    }
    .nav-menu .nav-link.active {
        color: #1a6b47;
        background: rgba(26, 107, 71, 0.04);
        padding-left: 0.85rem;
    }

    /* Loans dropdown — show flat list inside mobile menu */
    .nav-dropdown .dropdown-arrow { float: right; transition: transform 0.2s; }
    .nav-dropdown .dropdown-menu {
        position: static !important;
        display: none !important;
        background: #fafaf6 !important;
        box-shadow: none !important;
        border: none !important;
        border-radius: 0 !important;
        padding: 0.5rem 0.5rem 1rem !important;
        margin: 0 !important;
        backdrop-filter: none !important;
    }
    .nav-dropdown:hover .dropdown-menu,
    .nav-dropdown.open .dropdown-menu {
        display: block !important;
    }
    .nav-dropdown .dropdown-menu .dropdown-column {
        padding: 0;
    }
    .nav-dropdown .dropdown-menu .dropdown-column h4 {
        font-size: 0.72rem;
        text-transform: uppercase;
        letter-spacing: 0.08em;
        color: #6b7280;
        margin: 0.85rem 0 0.5rem;
    }
    .nav-dropdown .dropdown-menu .dropdown-item,
    .nav-dropdown .dropdown-menu .view-all {
        display: flex;
        align-items: center;
        gap: 0.65rem;
        padding: 0.65rem 0.5rem;
        font-size: 0.88rem;
        color: #1f2937;
        text-decoration: none;
        border-radius: 6px;
    }
    .nav-dropdown .dropdown-menu .dropdown-item:hover {
        background: rgba(26, 107, 71, 0.06);
        color: #1a6b47;
    }
    .nav-dropdown .dropdown-menu .dropdown-icon {
        width: 28px;
        height: 28px;
        border-radius: 6px;
        background: rgba(26, 107, 71, 0.08);
        display: flex;
        align-items: center;
        justify-content: center;
        color: #1a6b47;
        font-size: 0.85rem;
        flex-shrink: 0;
    }
    .nav-dropdown .dropdown-menu .dropdown-content h5 {
        font-size: 0.86rem;
        margin: 0 0 0.15rem;
        color: #0d3d2a;
        font-weight: 600;
    }
    .nav-dropdown .dropdown-menu .dropdown-content p {
        font-size: 0.72rem;
        color: #6b7280;
        margin: 0;
        line-height: 1.3;
    }

    /* Inject CTAs at bottom of menu */
    .nav-menu::after {
        content: "";
        display: block;
        margin-top: 1.25rem;
        padding-top: 1.25rem;
        border-top: 1px solid #f3f4f6;
    }
    .nav-menu .mobile-cta-block {
        display: flex !important;
        flex-direction: column;
        gap: 0.6rem;
        padding-top: 1rem;
        margin-top: 0.5rem;
        border-top: 1px solid #f3f4f6;
        list-style: none;
    }
    .nav-menu .mobile-cta-block a {
        display: block;
        padding: 0.85rem 1.1rem;
        text-align: center;
        border-radius: 10px;
        font-weight: 700;
        font-size: 0.92rem;
        text-decoration: none;
        transition: opacity 0.15s;
    }
    .nav-menu .mobile-cta-primary {
        background: #0d3d2a;
        color: #ffffff;
    }
    .nav-menu .mobile-cta-secondary {
        background: #ffffff;
        color: #0d3d2a;
        border: 1.5px solid #0d3d2a;
    }
}

/* Body scroll lock when menu open */
body.nav-open {
    overflow: hidden;
}

/* On desktop, hide mobile-cta-block */
@media (min-width: 993px) {
    .mobile-cta-block { display: none !important; }
}

/* ============================================
   MOBILE NAV — height fix (transform on ancestor breaks bottom:0)
   ============================================ */
@media (max-width: 992px) {
    .nav-menu {
        height: calc(100vh - 64px) !important;
        max-height: calc(100vh - 64px) !important;
        bottom: auto !important;
    }
}

/* ============================================
   STICKY HEADER OFFSET — first section padding (mobile)
   Sticky header is 96px on mobile; add padding-top so
   content isn't hidden behind it.
   ============================================ */
@media (max-width: 992px) {
    .about-hero-section { padding-top: 7rem !important; }
    .emi-hero { padding-top: 7rem !important; }
    .cibil-hero { padding-top: 7rem !important; }
    .emitra-hero { padding-top: 7rem !important; }
    .blog-article { padding-top: 7rem !important; }
    .blog-hero { padding-top: 7rem !important; }
    .page-hero, .page-header { padding-top: 7rem !important; }
    .hero-section, .hero { padding-top: 7rem !important; }
}



/* ============================================
   THEME GLOW BORDER — phone inputs (v3)
   Uses border + box-shadow to bypass overflow:hidden
   Brand greens, rectangular, animated gentle pulse
   ============================================ */
.hero-cta-wrapper {
    border-color: #1a6b47 !important;
    border-width: 1.5px !important;
    box-shadow:
        0 0 0 2px rgba(26, 107, 71, 0.18),
        0 8px 24px rgba(13, 61, 42, 0.12) !important;
    transition: border-color 0.25s, box-shadow 0.25s !important;
    animation: nf-glow-pulse 2.5s ease-in-out infinite;
}
.hero-cta-wrapper:focus-within {
    border-color: #0d3d2a !important;
    box-shadow:
        0 0 0 3px rgba(26, 107, 71, 0.28),
        0 0 18px rgba(74, 222, 128, 0.45),
        0 8px 28px rgba(13, 61, 42, 0.18) !important;
    animation: none;
}

/* Apply form phone */
.nf-prefix:has(input[type="tel"]) {
    border-color: #1a6b47 !important;
    box-shadow: 0 0 0 2px rgba(26, 107, 71, 0.15) !important;
    transition: border-color 0.25s, box-shadow 0.25s !important;
    animation: nf-glow-pulse 2.5s ease-in-out infinite;
}
.nf-prefix:has(input[type="tel"]:focus) {
    border-color: #0d3d2a !important;
    box-shadow:
        0 0 0 3px rgba(26, 107, 71, 0.25),
        0 0 14px rgba(74, 222, 128, 0.45) !important;
    animation: none;
}

@keyframes nf-glow-pulse {
    0%, 100% {
        box-shadow:
            0 0 0 2px rgba(26, 107, 71, 0.18),
            0 8px 24px rgba(13, 61, 42, 0.12);
    }
    50% {
        box-shadow:
            0 0 0 3px rgba(74, 222, 128, 0.30),
            0 0 14px rgba(74, 222, 128, 0.30),
            0 8px 24px rgba(13, 61, 42, 0.14);
    }
}


/* ============================================
   HERO BUTTONS — keep 2-col grid on small mobile
   .hero-buttons-centered is a GRID, not flex
   ============================================ */
@media (max-width: 768px) {
    .hero-buttons-centered {
        display: grid !important;
        grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
        gap: 0.6rem !important;
        max-width: 100% !important;
        width: 100% !important;
    }
    .hero-buttons-centered .hero-btn-primary,
    .hero-buttons-centered .hero-btn-secondary,
    .hero-buttons-centered .hero-btn-secondary-light {
        width: auto !important;
        min-width: 0 !important;
        padding: 0.7rem 0.6rem !important;
        font-size: 0.82rem !important;
        white-space: nowrap;
        justify-content: center;
        display: inline-flex;
        align-items: center;
        gap: 0.35rem;
    }
}
@media (max-width: 380px) {
    .hero-buttons-centered .hero-btn-primary,
    .hero-buttons-centered .hero-btn-secondary,
    .hero-buttons-centered .hero-btn-secondary-light {
        font-size: 0.74rem !important;
        padding: 0.65rem 0.4rem !important;
    }
}

/* ============================================
   HERO MODERN — extra top padding on mobile
   So trust badge isn't hidden behind sticky header
   ============================================ */
@media (max-width: 992px) {
    .hero-modern {
        padding-top: 7rem !important;
    }
}
@media (max-width: 768px) {
    .hero-modern {
        padding-top: 7rem !important;
    }
}

/* ============================================
   STICKY HEADER OFFSET (desktop too) — 2026-05-14
   Header is ~93px on desktop, content was hidden
   ============================================ */
.about-hero-section,
.emi-hero,
.cibil-hero,
.emitra-hero,
.blog-article,
.blog-hero,
.page-hero,
.page-header,
.hero-section {
    padding-top: 8rem !important;
}
@media (min-width: 1200px) {
    .about-hero-section,
    .emi-hero,
    .cibil-hero,
    .emitra-hero,
    .blog-article,
    .page-hero,
    .page-header,
    .hero-section {
        padding-top: 7.5rem !important;
    }
}

/* emitra hero has inline padding:0 — force header offset */
.emitra-hero { padding-top: 8rem !important; }
@media (min-width: 1200px) {
    .emitra-hero { padding-top: 7.5rem !important; }
}

/* emitra desktop — header is 150px+ on this page */
@media (min-width: 768px) {
    .emitra-hero { padding-top: 10rem !important; }
}

/* ============================================
   MOBILE NAV — Become a Partner visible (compact)
   ============================================ */
@media (max-width: 992px) {
    /* Show nav-actions on mobile (was hidden) */
    .nav-actions {
        display: flex !important;
        align-items: center;
        gap: 0.4rem;
        margin-right: 0.5rem;
    }
    /* Hide Apply Now button on mobile (keep only Partner) */
    .nav-actions .btn-nav.btn-primary-nav,
    .nav-actions .btn-apply,
    .nav-actions a[href*="consultation-section"] {
        display: none !important;
    }
    /* Show Become a Partner button compact */
    .nav-actions .btn-outline-nav,
    .nav-actions a[href*="intent=partner"] {
        display: inline-flex !important;
        padding: 0.4rem 0.75rem !important;
        font-size: 0.75rem !important;
        border: 1.5px solid #1a6b47;
        color: #0d3d2a;
        background: #ffffff;
        border-radius: 8px;
        font-weight: 700;
        white-space: nowrap;
        text-decoration: none;
    }
    .nav-actions .btn-outline-nav:hover {
        background: #1a6b47;
        color: #ffffff;
    }
}
@media (max-width: 480px) {
    .nav-actions .btn-outline-nav {
        font-size: 0.7rem !important;
        padding: 0.35rem 0.6rem !important;
    }
}