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

img {
    max-width: 100%;
    height: auto;
    display: block;
}

:root {
    --primary-color: #003d99;
    --secondary-color: #0056cc;
    --accent-color: #1e88e5;
    --light-bg: #f8f9fa;
    --white: #ffffff;
    --text-dark: #212529;
    --text-light: #6c757d;
    --border-color: #e9ecef;
    --success-color: #28a745;
    --shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 30px rgba(0, 0, 0, 0.15);
}

html {
    scroll-behavior: smooth;
    overflow-x: hidden;
    width: 100%;
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    line-height: 1.6;
    color: var(--text-dark);
    background-color: var(--white);
    overflow-x: hidden;
    width: 100%;
    max-width: 100vw;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    width: 100%;
    box-sizing: border-box;
}

/* ============ Navigation ============ */
.navbar {
    background-color: var(--white);
    box-shadow: var(--shadow);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 70px;
}

.logo {
    font-size: 24px;
    font-weight: bold;
    display: flex;
    align-items: center;
    gap: 10px;
}

.logo span {
    background: linear-gradient(90deg, #ff0000 0%, #0056cc 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.logo i {
    font-size: 28px;
    background: linear-gradient(90deg, #ff0000 0%, #0056cc 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 30px;
}

.nav-links a {
    text-decoration: none;
    color: var(--text-dark);
    font-weight: 500;
    transition: color 0.3s;
}

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

/* Hide Admin Link from Public Navigation */
.nav-links li:last-child {
    display: none;
}

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 6px;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background-color: var(--primary-color);
    border-radius: 3px;
    transition: all 0.3s;
}

/* ============ Buttons ============ */
.btn {
    padding: 12px 30px;
    border: none;
    border-radius: 6px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s;
    display: inline-block;
    text-decoration: none;
}

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

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

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

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

.btn-large {
    padding: 15px 40px;
    font-size: 18px;
    width: 100%;
}

/* ============ Hero Section ============ */
.hero {
    position: relative;
    overflow: hidden;
    color: var(--white);
    padding: 80px 20px;
    display: flex;
    align-items: center;
    justify-content: flex-start;
    gap: 40px;
    min-height: 600px;
}

.hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, rgba(0, 22, 56, 0.72) 0%, rgba(0, 22, 56, 0.45) 50%, rgba(0, 22, 56, 0.35) 100%);
    z-index: 1;
}

.hero-slides {
    position: absolute;
    inset: 0;
    z-index: 0;
}

.hero-slide {
    position: absolute;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    opacity: 0;
    transition: opacity 0.9s ease;
}

.hero-slide.active {
    opacity: 1;
}

.hero-slide-img--wide {
    object-position: center 42%;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 650px;
}

.hero-content h1 {
    font-size: 48px;
    margin-bottom: 20px;
    line-height: 1.2;
    text-shadow: 0 2px 12px rgba(0, 0, 0, 0.55);
}

.hero-content p {
    font-size: 20px;
    margin-bottom: 30px;
    opacity: 0.95;
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.55);
}

/* ============ Sections ============ */
section {
    padding: 80px 0;
    width: 100%;
    max-width: 100vw;
    overflow-x: hidden;
}

section h2 {
    font-size: 36px;
    text-align: center;
    margin-bottom: 50px;
    color: var(--primary-color);
}

/* ============ Why Choose Us ============ */
.why-us {
    background-color: var(--light-bg);
}

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

.feature-card {
    background: var(--white);
    padding: 30px;
    border-radius: 10px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: all 0.3s;
}

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

.feature-card i {
    font-size: 48px;
    color: var(--primary-color);
    margin-bottom: 15px;
}

.feature-card h3 {
    font-size: 22px;
    margin-bottom: 10px;
    color: var(--primary-color);
}

.feature-card p {
    color: var(--text-light);
    font-size: 15px;
}

/* ============ Happy Customers Section ============ */
.testimonials-section {
    background: linear-gradient(135deg, #f9fbff 0%, #eef5ff 100%);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 25px;
}

.testimonial-card {
    background: var(--white);
    border-radius: 14px;
    padding: 28px 24px;
    box-shadow: 0 8px 20px rgba(0, 61, 153, 0.1);
    border: 1px solid #e7effb;
    text-align: center;
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.testimonial-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 14px 28px rgba(0, 61, 153, 0.15);
}

.testimonial-avatar {
    width: 78px;
    height: 78px;
    border-radius: 50%;
    object-fit: cover;
    border: 3px solid #dceaff;
    margin-bottom: 14px;
}

.testimonial-card h3 {
    color: var(--primary-color);
    font-size: 20px;
    margin-bottom: 3px;
}

.testimonial-city {
    color: var(--text-light);
    font-size: 14px;
    margin-bottom: 10px;
}

.testimonial-stars {
    color: #f4b400;
    margin-bottom: 12px;
    letter-spacing: 2px;
}

.testimonial-review {
    color: #3f4a58;
    font-size: 15px;
    line-height: 1.7;
}

/* ============ Banks Section ============ */
.banks-section {
    background-color: var(--white);
}

.interest-rate-card {
    max-width: 900px;
    margin: 0 auto 35px;
    padding: 20px 24px;
    border-radius: 12px;
    border: 1px solid #d7e7ff;
    background: linear-gradient(135deg, #f6faff 0%, #edf5ff 100%);
    box-shadow: var(--shadow);
    text-align: center;
}

.interest-rate-line {
    color: var(--primary-color);
    font-size: 20px;
    font-weight: 700;
    line-height: 1.5;
    margin-bottom: 8px;
}

.interest-rate-disclaimer {
    font-size: 13px;
    color: var(--text-light);
    line-height: 1.5;
}

.banks-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 25px;
}

.bank-card {
    background: var(--white);
    border: 2px solid var(--border-color);
    border-radius: 10px;
    padding: 30px;
    text-align: center;
    transition: all 0.3s;
    box-shadow: var(--shadow);
}

.bank-card:hover {
    border-color: var(--primary-color);
    box-shadow: var(--shadow-lg);
    transform: translateY(-8px);
}

.bank-logo {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: bold;
    font-size: 18px;
    margin: 0 auto 20px;
}

.bank-logo-img {
    width: 90px;
    height: 90px;
    object-fit: contain;
    margin: 0 auto 20px;
    border-radius: 8px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
    transition: transform 0.3s, box-shadow 0.3s;
}

.bank-card:hover .bank-logo-img {
    transform: scale(1.1);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2);
}

.bank-card h3 {
    font-size: 20px;
    margin-bottom: 15px;
    color: var(--primary-color);
}

/* ============ Calculator Section ============ */
.calculator-section {
    background: linear-gradient(135deg, var(--light-bg) 0%, #e8f4ff 100%);
}

.calculator-wrapper {
    background: var(--white);
    border-radius: 15px;
    box-shadow: var(--shadow-lg);
    padding: 40px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    max-width: 1000px;
    margin: 0 auto;
}

.calculator-input {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

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

.input-group label {
    font-weight: 600;
    color: var(--primary-color);
    font-size: 15px;
}

.input-group input,
.input-group select {
    padding: 12px;
    border: 2px solid var(--border-color);
    border-radius: 6px;
    font-size: 16px;
    transition: border-color 0.3s;
}

.input-group input:focus,
.input-group select:focus {
    outline: none;
    border-color: var(--primary-color);
}

.calculator-result {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.result-card {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    color: var(--white);
    padding: 25px;
    border-radius: 10px;
    text-align: center;
}

.result-card h4 {
    font-size: 16px;
    opacity: 0.9;
    margin-bottom: 10px;
}

.result-value {
    font-size: 32px;
    font-weight: bold;
}

/* ============ Documents Section ============ */
.documents-section {
    background-color: var(--light-bg);
}

.documents-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 30px;
}

.doc-card {
    background: var(--white);
    padding: 30px;
    border-radius: 10px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: all 0.3s;
}

.doc-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.doc-card i {
    font-size: 48px;
    color: var(--accent-color);
    margin-bottom: 15px;
}

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

.doc-card p {
    color: var(--text-light);
    font-size: 14px;
}

/* ============ Apply Form Section ============ */
.apply-section {
    background-color: var(--white);
}

.form-wrapper {
    max-width: 800px;
    margin: 0 auto;
}

.loan-form {
    background: var(--light-bg);
    padding: 40px;
    border-radius: 15px;
    box-shadow: var(--shadow);
}

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

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

.form-group.full-width {
    grid-column: 1 / -1;
}

.form-group label {
    font-weight: 600;
    color: var(--primary-color);
    font-size: 15px;
}

.form-group input,
.form-group select {
    padding: 12px;
    border: 2px solid var(--border-color);
    border-radius: 6px;
    font-size: 16px;
    transition: border-color 0.3s;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-color);
}

.form-group input[type="checkbox"] {
    width: 18px;
    height: 18px;
    margin-right: 8px;
    cursor: pointer;
}

.form-group label {
    display: flex;
    align-items: center;
}

.loan-form button {
    margin-top: 10px;
}

.success-message {
    background: var(--light-bg);
    padding: 40px;
    border-radius: 15px;
    text-align: center;
    animation: slideIn 0.5s ease-in-out;
}

.success-content {
    max-width: 500px;
    margin: 0 auto;
}

.success-content i {
    font-size: 80px;
    color: var(--success-color);
    margin-bottom: 20px;
}

.success-content h3 {
    font-size: 28px;
    color: var(--primary-color);
    margin-bottom: 15px;
}

/* ============ After Apply Header ============ */
.after-apply-header {
    position: relative;
    width: 100%;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0;
    height: 350px;
    overflow: hidden;
}

.after-apply-slides {
    position: absolute;
    inset: 0;
}

.after-apply-slide {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    display: block;
    opacity: 0;
    transition: opacity 0.9s ease;
}

.after-apply-slide.active {
    opacity: 1;
}

.after-apply-header-overlay {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 20px;
    background: linear-gradient(90deg, rgba(0, 30, 78, 0.5) 0%, rgba(0, 30, 78, 0.35) 50%, rgba(0, 30, 78, 0.5) 100%);
}

.after-apply-header-overlay h2 {
    color: var(--white);
    font-size: 34px;
    margin: 0;
    text-shadow: 0 3px 10px rgba(0, 0, 0, 0.45);
}

/* ============ Callback Note Section ============ */
.callback-note-section {
    padding: 10px 0 0;
    background-color: var(--white);
}

.callback-note {
    max-width: 780px;
    margin: 0 auto;
    padding: 14px 20px;
    border-radius: 10px;
    text-align: center;
    color: var(--primary-color);
    font-weight: 600;
    background: #f1f7ff;
    border: 1px solid #d8e8ff;
    box-shadow: 0 4px 10px rgba(0, 61, 153, 0.08);
}

.success-content p {
    color: var(--text-light);
    margin-bottom: 25px;
}

@keyframes slideIn {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ============ Footer ============ */
.footer {
    background-color: var(--text-dark);
    color: #adb5bd;
    padding: 50px 0 20px;
}

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

.footer-section h4 {
    color: var(--white);
    margin-bottom: 15px;
}

.footer-section p {
    font-size: 14px;
    line-height: 1.8;
}

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

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

.footer-section ul li a {
    color: #adb5bd;
    text-decoration: none;
    transition: color 0.3s;
}

.footer-section ul li a:hover {
    color: var(--white);
}

.footer-bottom {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid #495057;
    font-size: 14px;
}

/* ============ Responsive Design ============ */
@media (max-width: 768px) {
    .nav-links {
        display: none;
    }

    .hamburger {
        display: flex;
    }

    .hero {
        padding: 50px 20px;
        min-height: auto;
        justify-content: center;
    }

    .hero-slide {
        object-position: center 35%;
    }

    .hero-slide-img--wide {
        object-position: 62% 42%;
    }

    .hero-content h1 {
        font-size: 32px;
    }

    .hero-content p {
        font-size: 16px;
    }

    section h2 {
        font-size: 28px;
    }

    .calculator-wrapper {
        grid-template-columns: 1fr;
        padding: 25px;
        gap: 25px;
    }

    .interest-rate-card {
        padding: 16px 18px;
        margin-bottom: 25px;
    }

    .interest-rate-line {
        font-size: 17px;
    }

    .interest-rate-disclaimer {
        font-size: 12px;
    }

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

    .after-apply-header {
        height: 250px;
        max-width: 100%;
    }

    .after-apply-header-overlay h2 {
        font-size: 26px;
    }

    .callback-note {
        font-size: 14px;
        padding: 12px 14px;
    }

    .features-grid,
    .testimonials-grid,
    .banks-grid,
    .documents-grid,
    .contact-info {
        grid-template-columns: 1fr;
    }

    .bank-card {
        padding: 20px;
    }

    .feature-card {
        padding: 20px;
    }

    .loan-form {
        padding: 20px;
    }

    .footer-content {
        gap: 30px;
    }
}

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

    .hero {
        padding: 40px 15px;
    }

    section {
        padding: 50px 0;
    }

    .hero-content h1 {
        font-size: 24px;
    }

    .hero-content p {
        font-size: 14px;
    }

    .after-apply-header {
        height: 240px;
        width: 100%;
    }

    .after-apply-slide {
        object-fit: cover;
        object-position: center center;
        width: 100%;
        height: 100%;
    }

    .after-apply-header-overlay h2 {
        font-size: 20px;
    }

    .btn {
        padding: 10px 20px;
        font-size: 14px;
    }

    .btn-large {
        padding: 12px 20px;
        font-size: 16px;
    }

    section h2 {
        font-size: 24px;
        margin-bottom: 30px;
    }

    .result-value {
        font-size: 24px;
    }

    .nav-container {
        height: 60px;
        padding: 0 15px;
    }

    .logo {
        font-size: 18px;
    }

    .logo i {
        font-size: 22px;
    }
}