@import url('https://fonts.googleapis.com/css2?family=Sora:wght@400;500;600;700;800&family=Lora:wght@500;600;700&display=swap');

:root {
  --navy:#0d2b4e;--navy-d:#071b31;--navy-l:#1a3d6b;
  --gold:#d4900a;--gold-l:#f5a623;--gold-bg:#fff8ed;
  --green:#1a8a4a;--green-bg:#edfaf3;
  --red:#c0392b;--red-bg:#fef2f2;
  --gray:#f4f6f9;--gray-mid:#e8ecf2;--gray-d:#6b7a90;
  --text:#0f1c2e;--text-mid:#3d4f66;--text-light:#6b7a90;
  --white:#ffffff;--border:#dde3ec;
  --radius:10px;--radius-lg:18px;
  --shadow:0 2px 16px rgba(13,43,78,.09);
  --shadow-lg:0 8px 40px rgba(13,43,78,.14);
  --font:'Sora',sans-serif;--font-h:'Lora',serif;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--font);color:var(--text);background:var(--white);line-height:1.65;font-size:16px;overflow-x:hidden;}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}
img{max-width:100%;display:block;}
section{padding:80px 0;}
.container{max-width:1180px;margin:0 auto;padding:0 22px;}
.text-center{text-align:center;}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;border-radius:50px;font-weight:700;font-size:15px;font-family:var(--font);cursor:pointer;border:none;transition:all .25s;text-decoration:none;letter-spacing:.2px;}
.btn-navy{background:var(--navy);color:#fff;}
.btn-navy:hover{background:var(--navy-l);transform:translateY(-2px);box-shadow:0 6px 20px rgba(13,43,78,.28);}
.btn-gold{background:var(--gold-l);color:#fff;}
.btn-gold:hover{background:var(--gold);transform:translateY(-2px);box-shadow:0 6px 20px rgba(245,166,35,.35);}
.btn-outline{background:transparent;border:2px solid var(--navy);color:var(--navy);}
.btn-outline:hover{background:var(--navy);color:#fff;}
.btn-outline-white{background:transparent;border:2px solid rgba(255,255,255,.7);color:#fff;}
.btn-outline-white:hover{background:rgba(255,255,255,.12);}
.btn-lg{padding:16px 34px;font-size:16px;}
.btn-full{width:100%;justify-content:center;}

/* SECTION LABELS */
.label{display:inline-block;background:var(--gold-bg);color:var(--gold);padding:5px 14px;border-radius:50px;font-size:12px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;margin-bottom:12px;border:1px solid rgba(212,144,10,.2);}
.section-title{font-family:var(--font-h);font-size:clamp(26px,3.5vw,42px);color:var(--text);line-height:1.2;margin-bottom:14px;}
.section-sub{font-size:16px;color:var(--text-mid);max-width:580px;line-height:1.7;}
.section-sub.cx{margin:0 auto;}

/* HEADER */
#header{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--border);transition:.3s;}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px;}
.nav-logo{display:flex;align-items:center;gap:10px;}
.logo-box{width:40px;height:40px;background:var(--navy);border-radius:9px;display:flex;align-items:center;justify-content:center;color:#fff;font-family:var(--font-h);font-size:18px;font-weight:700;flex-shrink:0;}
.logo-text{font-family:var(--font-h);font-size:20px;color:var(--navy);font-weight:700;line-height:1.1;}
.logo-text small{display:block;font-size:10px;font-family:var(--font);font-weight:500;color:var(--text-light);letter-spacing:.3px;font-style:normal;}
.nav-links{display:flex;align-items:center;gap:2px;}
.nav-links a{padding:7px 12px;border-radius:7px;font-size:13.5px;font-weight:500;color:var(--text-mid);transition:.2s;white-space:nowrap;}
.nav-links a:hover,.nav-links a.active{color:var(--navy);background:var(--gray);}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;background:none;border:none;z-index:1001;position:relative;}
.hamburger span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform .3s ease,opacity .3s ease;}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0);}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

body.menu-open{overflow:hidden;}

.mob-menu{
  display:none;
  position:fixed;top:68px;left:0;right:0;bottom:0;
  background:#fff;z-index:1000;overflow-y:auto;
}
.mob-menu.open{display:block;}
.mob-menu-inner{display:flex;flex-direction:column;gap:4px;padding:16px 20px 32px;}
.mob-menu a{display:block;padding:13px 16px;border-radius:8px;font-size:15px;font-weight:500;color:var(--text);border-bottom:1px solid var(--gray-mid);transition:background .2s,color .2s;}
.mob-menu a:hover,.mob-menu a.active{background:var(--gray);color:var(--navy);}
.mob-menu-cta{margin-top:20px;padding-top:20px;border-top:2px solid var(--gray-mid);}

/* HERO */
#hero{min-height:100vh;background:linear-gradient(155deg,var(--navy-d) 0%,var(--navy) 55%,#1e4d8c 100%);padding:130px 0 80px;display:flex;align-items:center;position:relative;overflow:hidden;}
#hero::before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle at 70% 30%,rgba(245,166,35,.07) 0%,transparent 60%),radial-gradient(circle at 20% 80%,rgba(255,255,255,.04) 0%,transparent 50%);}
.hero-grid{display:grid;grid-template-columns:1fr 460px;gap:60px;align-items:center;position:relative;z-index:1;}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:rgba(255,255,255,.85);padding:7px 16px;border-radius:50px;font-size:12.5px;font-weight:600;margin-bottom:22px;letter-spacing:.3px;}
.hero-eyebrow .dot{width:7px;height:7px;background:#4ade80;border-radius:50%;animation:blink 1.8s infinite;}
@keyframes blink{0%,100%{opacity:1;transform:scale(1);}50%{opacity:.5;transform:scale(1.5);}}
.hero-h1{font-family:var(--font-h);font-size:clamp(32px,4vw,54px);color:#fff;line-height:1.15;margin-bottom:18px;}
.hero-h1 em{color:var(--gold-l);font-style:normal;display:block;}
.hero-desc{font-size:17px;color:rgba(255,255,255,.75);margin-bottom:32px;max-width:500px;line-height:1.75;}
.hero-cta{margin-bottom:40px;display:flex;gap:12px;flex-wrap:wrap;}
.hero-reassure{display:flex;gap:20px;flex-wrap:wrap;}
.ra{display:flex;align-items:center;gap:7px;font-size:13px;color:rgba(255,255,255,.7);}
.ra svg{color:var(--gold-l);flex-shrink:0;}

/* FORM CARD */
.form-card{background:#fff;border-radius:var(--radius-lg);padding:32px;box-shadow:0 24px 64px rgba(0,0,0,.25);}
.form-card h3{font-family:var(--font-h);font-size:22px;color:var(--navy);margin-bottom:4px;}
.form-card .fc-sub{font-size:13px;color:var(--text-light);margin-bottom:22px;}
.form-disclaimer{font-size:11.5px;color:var(--text-light);text-align:center;margin-top:12px;line-height:1.5;}
.form-disclaimer a{color:var(--navy);}

/* FORM ELEMENTS */
.fg{margin-bottom:14px;}
.fg label{display:block;font-size:12.5px;font-weight:600;color:var(--text-mid);margin-bottom:5px;letter-spacing:.2px;}
.fg input,.fg select,.fg textarea{width:100%;padding:11px 14px;border:1.5px solid var(--border);border-radius:var(--radius);font-size:14.5px;font-family:var(--font);color:var(--text);background:var(--gray);transition:.2s;}
.fg input:focus,.fg select:focus,.fg textarea:focus{outline:none;border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px rgba(13,43,78,.08);}
.fg select{cursor:pointer;}
.fg textarea{resize:vertical;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.success-msg{background:var(--green-bg);border:1px solid #86efac;color:var(--green);padding:13px;border-radius:var(--radius);text-align:center;font-weight:600;font-size:14px;margin-top:10px;display:none;}
.error-msg{background:var(--red-bg);border:1px solid #fca5a5;color:var(--red);padding:13px;border-radius:var(--radius);text-align:center;font-weight:600;font-size:14px;margin-top:10px;display:none;}

/* STATS */
.stats-band{background:var(--navy);padding:44px 0;}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center;}
.stat-num{font-family:var(--font-h);font-size:38px;color:var(--gold-l);font-weight:700;}
.stat-lbl{font-size:13px;color:rgba(255,255,255,.65);margin-top:4px;}

/* LOAN CARDS */
.loan-section{background:var(--gray);}
.loan-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.loan-card{background:#fff;border-radius:var(--radius-lg);padding:28px;border:1.5px solid var(--border);transition:all .3s;position:relative;overflow:hidden;}
.loan-card::after{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--navy),var(--gold-l));transform:scaleX(0);transform-origin:left;transition:.3s;}
.loan-card:hover{border-color:var(--navy);box-shadow:var(--shadow-lg);transform:translateY(-4px);}
.loan-card:hover::after{transform:scaleX(1);}
.lc-icon{font-size:36px;margin-bottom:14px;}
.loan-card h3{font-family:var(--font-h);font-size:20px;color:var(--navy);margin-bottom:8px;}
.loan-card p{font-size:14px;color:var(--text-mid);margin-bottom:16px;line-height:1.65;}
.lc-list{margin-bottom:18px;}
.lc-list li{font-size:13px;color:var(--text-mid);padding:3px 0 3px 18px;position:relative;}
.lc-list li::before{content:'✓';position:absolute;left:0;color:var(--green);font-weight:700;}
.lc-link{font-size:13.5px;font-weight:700;color:var(--navy);display:flex;align-items:center;gap:5px;}
.lc-link:hover{color:var(--gold);}

/* WHY US */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.why-card{padding:28px;border-radius:var(--radius-lg);background:var(--gray);border:1px solid var(--border);text-align:center;transition:.3s;}
.why-card:hover{background:#fff;box-shadow:var(--shadow);transform:translateY(-3px);}
.why-icon{font-size:38px;margin-bottom:14px;}
.why-card h3{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:8px;}
.why-card p{font-size:14px;color:var(--text-mid);line-height:1.65;}

/* STEPS */
.steps-section{background:var(--gray);}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.step-card{text-align:center;padding:24px 16px;}
.step-num{width:56px;height:56px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-h);font-size:22px;font-weight:700;margin:0 auto 18px;box-shadow:0 4px 16px rgba(13,43,78,.2);}
.step-card h3{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:8px;}
.step-card p{font-size:13px;color:var(--text-mid);line-height:1.6;}

/* TRUST SECTION */
.trust-section{background:var(--navy-d);padding:56px 0;}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;text-align:center;}
.trust-item .ti-num{font-family:var(--font-h);font-size:36px;color:var(--gold-l);}
.trust-item .ti-lbl{font-size:13px;color:rgba(255,255,255,.6);margin-top:4px;}

/* FAQ */
.faq-wrap{max-width:760px;margin:0 auto;}
.faq-item{border-bottom:1px solid var(--border);}
.faq-q{width:100%;background:none;border:none;padding:18px 0;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:14px;font-size:15.5px;font-weight:600;color:var(--text);text-align:left;font-family:var(--font);}
.faq-q:hover{color:var(--navy);}
.faq-ic{font-size:18px;color:var(--navy);flex-shrink:0;transition:transform .3s;}
.faq-ic.open{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease;}
.faq-a.open{max-height:280px;padding-bottom:16px;}
.faq-a p{font-size:14.5px;color:var(--text-mid);line-height:1.75;}

/* CTA BAND */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-l) 100%);padding:76px 0;text-align:center;}
.cta-band h2{font-family:var(--font-h);font-size:clamp(24px,3vw,38px);color:#fff;margin-bottom:14px;}
.cta-band p{font-size:16px;color:rgba(255,255,255,.75);margin-bottom:32px;}
.cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* CONTENT */
.content h2{font-family:var(--font-h);font-size:30px;color:var(--navy);margin-bottom:14px;}
.content h3{font-family:var(--font-h);font-size:22px;color:var(--navy);margin:26px 0 10px;}
.content p{font-size:15px;color:var(--text-mid);line-height:1.8;margin-bottom:14px;}
.content ul{margin-bottom:14px;padding-left:4px;}
.content ul li{font-size:15px;color:var(--text-mid);padding:4px 0 4px 18px;position:relative;}
.content ul li::before{content:'→';position:absolute;left:0;color:var(--gold);}

/* TABLE */
.loan-table{width:100%;border-collapse:collapse;margin:22px 0;border-radius:var(--radius);overflow:hidden;}
.loan-table th{background:var(--navy);color:#fff;padding:12px 16px;text-align:left;font-size:13px;font-weight:600;}
.loan-table td{padding:11px 16px;border-bottom:1px solid var(--border);font-size:14px;color:var(--text-mid);}
.loan-table tr:nth-child(even) td{background:var(--gray);}

/* PAGE HERO */
.page-hero{background:linear-gradient(155deg,var(--navy-d),var(--navy),#1e4d8c);padding:130px 0 72px;color:#fff;position:relative;overflow:hidden;margin-top:68px;}
.page-hero h1{font-family:var(--font-h);font-size:clamp(26px,3.5vw,44px);margin-bottom:14px;}
.page-hero p{font-size:17px;opacity:.8;max-width:580px;line-height:1.7;}
.page-hero .ph-btns{margin-top:26px;display:flex;gap:12px;flex-wrap:wrap;}

/* BREADCRUMB */
.breadcrumb{background:var(--gray);border-bottom:1px solid var(--border);padding:11px 0;}
.breadcrumb ol{display:flex;align-items:center;gap:6px;flex-wrap:wrap;}
.breadcrumb li{font-size:12.5px;color:var(--text-light);}
.breadcrumb li a{color:var(--navy);}
.breadcrumb li:not(:last-child)::after{content:'›';margin-left:6px;}

/* INLINE FORM SECTION */
.form-section{background:var(--gray);}
.form-card-wide{background:#fff;border-radius:var(--radius-lg);padding:44px;box-shadow:var(--shadow);max-width:680px;margin:0 auto;}
.form-card-wide h2{font-family:var(--font-h);font-size:28px;color:var(--navy);margin-bottom:6px;}
.form-card-wide .fw-sub{color:var(--text-mid);margin-bottom:26px;font-size:15px;}

/* FOOTER */
footer{background:var(--navy-d);color:rgba(255,255,255,.75);padding:64px 0 28px;}
.foot-grid{display:grid;grid-template-columns:1.8fr 1fr 1fr 1.4fr;gap:44px;margin-bottom:44px;}
.foot-brand h3{font-family:var(--font-h);font-size:22px;color:#fff;margin-bottom:10px;}
.foot-brand p{font-size:13.5px;line-height:1.7;margin-bottom:14px;}
.foot-disclaimer{font-size:12px;color:rgba(255,255,255,.4);line-height:1.6;border-top:1px solid rgba(255,255,255,.08);padding-top:14px;margin-top:14px;}
.foot-col h4{font-size:14px;font-weight:700;color:#fff;margin-bottom:14px;}
.foot-col ul li{margin-bottom:7px;}
.foot-col ul li a{font-size:13px;color:rgba(255,255,255,.6);transition:.2s;}
.foot-col ul li a:hover{color:var(--gold-l);}
.foot-contact li{display:flex;gap:9px;font-size:13px;color:rgba(255,255,255,.6);margin-bottom:10px;align-items:flex-start;}
.foot-contact .ic{color:var(--gold-l);flex-shrink:0;margin-top:1px;}
.foot-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:22px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;font-size:12.5px;color:rgba(255,255,255,.4);}
.foot-bottom a{color:rgba(255,255,255,.55);}
.foot-bottom a:hover{color:#fff;}

/* ABOUT / CONTACT */
.values-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.val-card{background:var(--gray);border-radius:var(--radius);padding:24px;border-left:3px solid var(--gold);}
.val-card h3{font-weight:700;color:var(--navy);margin-bottom:7px;font-size:16px;}
.val-card p{font-size:14px;color:var(--text-mid);}
.contact-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:56px;align-items:start;}
.contact-items{display:flex;flex-direction:column;gap:18px;}
.ci{display:flex;gap:14px;align-items:flex-start;}
.ci .ci-box{width:44px;height:44px;background:var(--gray);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0;}
.ci h4{font-weight:700;font-size:14px;margin-bottom:3px;}
.ci p{font-size:13.5px;color:var(--text-mid);}
.map-wrap iframe{width:100%;height:380px;border:none;display:block;border-radius:var(--radius-lg);}

/* POLICY */
.policy-wrap{max-width:780px;margin:0 auto;}
.policy-wrap h2{font-family:var(--font-h);font-size:24px;color:var(--navy);margin:30px 0 10px;}
.policy-wrap p,.policy-wrap li{font-size:14.5px;color:var(--text-mid);line-height:1.8;margin-bottom:10px;}
.policy-wrap ul{padding-left:20px;}
.policy-wrap li{list-style:disc;}

/* RESPONSIVE */
@media(max-width:1024px){
  .hero-grid{grid-template-columns:1fr;}
  .form-card{max-width:520px;}
  .loan-grid{grid-template-columns:repeat(2,1fr);}
  .foot-grid{grid-template-columns:1fr 1fr;gap:30px;}
  .steps-grid{grid-template-columns:repeat(2,1fr);}
  .stats-grid{grid-template-columns:repeat(2,1fr);}
  .contact-grid{grid-template-columns:1fr;}
}
@media(max-width:768px){
  section{padding:56px 0;}
  .nav-links{display:none;}
  .hamburger{display:flex;}
  #hero{padding:100px 0 60px;}
  .hero-grid{gap:36px;}
  .form-card{max-width:100%;}
  .hero-cta{flex-direction:column;align-items:flex-start;}
  .loan-grid,.why-grid,.steps-grid{grid-template-columns:1fr;}
  .foot-grid{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .form-card-wide{padding:28px 20px;}
  .values-grid{grid-template-columns:1fr;}
  .trust-grid{grid-template-columns:repeat(2,1fr);}
  .cta-btns{flex-direction:column;align-items:center;}
  .hero-reassure{flex-direction:column;gap:10px;}
  .page-hero{padding:110px 0 56px;}
  .partners-scroll{gap:8px;}
  .partner-badge{font-size:12px;padding:8px 12px;}
}
@media(max-width:480px){
  .stats-grid,.trust-grid{grid-template-columns:repeat(2,1fr);}
  .form-card{padding:24px 18px;}
}

/* BANK PARTNERS SECTION */
.partners-section{background:var(--gray);padding:52px 0;}
.partners-scroll{display:flex;gap:14px;flex-wrap:wrap;justify-content:center;margin-top:28px;}
.partner-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;border:1.5px solid var(--border);
  border-radius:10px;padding:10px 18px;
  font-size:13px;font-weight:700;color:var(--navy);
  box-shadow:0 2px 8px rgba(13,43,78,.06);
  transition:all .2s;white-space:nowrap;
}
.partner-badge:hover{border-color:var(--navy);box-shadow:0 4px 16px rgba(13,43,78,.12);transform:translateY(-2px);}
.partner-badge .pb-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0;}
.pb-public{background:#1a8a4a;}
.pb-private{background:#1e4d8c;}
.pb-nbfc{background:#d4900a;}

/* AREAS WE SERVE (SEO) */
.areas-section{background:#fff;padding:52px 0;}
.areas-grid{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px;}
.area-tag{
  background:var(--gold-bg);border:1px solid rgba(212,144,10,.25);
  color:var(--navy);border-radius:50px;
  padding:7px 16px;font-size:13.5px;font-weight:600;
  transition:all .2s;cursor:default;
}
.area-tag:hover{background:var(--navy);color:#fff;border-color:var(--navy);}

/* STATS GRID FIX on mobile */
@media(max-width:480px){
  .stats-grid,.trust-grid{grid-template-columns:repeat(2,1fr);}
  .form-card{padding:24px 18px;}
  .hamburger{display:flex;}
}

/* TRUST SECTION background fix */
.trust-section{background:var(--navy);padding:44px 0;}