/* ===== CSS Variables & Reset ===== */
:root {
    --primary: #0a4d8c;
    --primary-dark: #063a6b;
    --primary-light: #1a6bb5;
    --secondary: #f5a623;
    --secondary-dark: #e09400;
    --accent: #00c853;
    --text: #1a1a2e;
    --text-light: #5a5a7a;
    --text-muted: #8a8aa3;
    --bg: #ffffff;
    --bg-light: #f7f9fc;
    --bg-dark: #0a1628;
    --border: #e2e8f0;
    --shadow: 0 4px 20px rgba(10, 77, 140, 0.08);
    --shadow-lg: 0 20px 60px rgba(10, 77, 140, 0.12);
    --radius: 12px;
    --radius-lg: 20px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --font: 'Inter', system-ui, sans-serif;
    --font-display: 'Poppins', system-ui, sans-serif;
}

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

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

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

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
button, input, select, textarea { font-family: inherit; border: none; outline: none; }

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

.section {
    padding: 90px 0;
}

/* ===== Preloader ===== */
#preloader {
    position: fixed;
    inset: 0;
    background: var(--bg-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    transition: opacity 0.5s, visibility 0.5s;
}

#preloader.hidden {
    opacity: 0;
    visibility: hidden;
}

.loader {
    text-align: center;
}

.loader-circle {
    width: 60px;
    height: 60px;
    border: 3px solid rgba(255,255,255,0.1);
    border-top-color: var(--secondary);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
    margin: 0 auto 16px;
}

.loader-text {
    color: #fff;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.4rem;
    letter-spacing: 2px;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

/* ===== Buttons ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 28px;
    border-radius: 50px;
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    transition: var(--transition);
    border: 2px solid transparent;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    box-shadow: 0 4px 15px rgba(10, 77, 140, 0.3);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(10, 77, 140, 0.4);
}

.btn-outline {
    background: transparent;
    border-color: var(--primary);
    color: var(--primary);
}

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

.btn-white {
    background: #fff;
    color: var(--primary);
    box-shadow: 0 4px 20px rgba(0,0,0,0.1);
}

.btn-white:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.15);
}

.btn-lg {
    padding: 16px 36px;
    font-size: 1.05rem;
}

.btn-sm {
    padding: 10px 22px;
    font-size: 0.875rem;
}

.btn-block {
    width: 100%;
}

/* ===== Navbar ===== */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 16px 0;
    transition: var(--transition);
    background: transparent;
}

.navbar.scrolled {
    background: rgba(255,255,255,0.97);
    backdrop-filter: blur(12px);
    box-shadow: 0 2px 20px rgba(0,0,0,0.06);
    padding: 10px 0;
}

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

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

.logo-icon {
    width: 42px;
    height: 42px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 1.2rem;
}

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}

.logo-main {
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.3rem;
    color: var(--primary);
}

.logo-sub {
    font-size: 0.7rem;
    font-weight: 600;
    color: var(--secondary);
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.navbar.scrolled .logo-main { color: var(--primary); }

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-link {
    font-weight: 500;
    font-size: 0.95rem;
    color: var(--text);
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--secondary);
    transition: width 0.3s;
}

.nav-link:hover::after,
.nav-link.active::after {
    width: 100%;
}

.nav-cta {
    margin-left: 12px;
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    cursor: pointer;
    padding: 5px;
}

.hamburger span {
    width: 24px;
    height: 2.5px;
    background: var(--text);
    border-radius: 2px;
    transition: var(--transition);
}

/* ===== Hero ===== */
.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 120px 0 80px;
    position: relative;
    overflow: hidden;
    background: linear-gradient(160deg, #f0f7ff 0%, #ffffff 50%, #fef9f0 100%);
}

.hero-bg {
    position: absolute;
    inset: 0;
    pointer-events: none;
}

.hero-shape {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: 0.4;
}

.shape-1 {
    width: 500px;
    height: 500px;
    background: rgba(10, 77, 140, 0.15);
    top: -100px;
    right: -100px;
}

.shape-2 {
    width: 400px;
    height: 400px;
    background: rgba(245, 166, 35, 0.12);
    bottom: -50px;
    left: -80px;
}

.shape-3 {
    width: 300px;
    height: 300px;
    background: rgba(0, 200, 83, 0.08);
    top: 40%;
    left: 40%;
}

.hero-content {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(10, 77, 140, 0.08);
    color: var(--primary);
    padding: 8px 16px;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 20px;
}

.hero h1 {
    font-family: var(--font-display);
    font-size: clamp(2.2rem, 4.5vw, 3.4rem);
    font-weight: 800;
    line-height: 1.2;
    margin-bottom: 20px;
    color: var(--text);
}

.gradient-text {
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero p {
    font-size: 1.1rem;
    color: var(--text-light);
    margin-bottom: 32px;
    max-width: 520px;
}

.hero-btns {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 48px;
}

.hero-stats {
    display: flex;
    gap: 40px;
}

.stat h3 {
    font-family: var(--font-display);
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--primary);
}

.stat p {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin: 0;
}

.hero-card {
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    animation: float 6s ease-in-out infinite;
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-12px); }
}

.card-header {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    padding: 20px 28px;
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    font-size: 1.05rem;
}

.card-header i { font-size: 1.4rem; }

.card-body {
    padding: 28px;
}

.offer-amount {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
}

.offer-rate {
    color: var(--secondary);
    font-weight: 600;
    margin-bottom: 20px;
}

.offer-features {
    margin-bottom: 24px;
}

.offer-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 0;
    font-size: 0.95rem;
    color: var(--text-light);
}

.offer-features i {
    color: var(--accent);
}

/* ===== Trust Bar ===== */
.trust-bar {
    background: var(--bg-dark);
    padding: 20px 0;
}

.trust-items {
    display: flex;
    justify-content: space-around;
    flex-wrap: wrap;
    gap: 20px;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255,255,255,0.9);
    font-size: 0.9rem;
    font-weight: 500;
}

.trust-item i {
    color: var(--secondary);
    font-size: 1.1rem;
}

/* ===== Section Header ===== */
.section-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 50px;
}

.section-tag {
    display: inline-block;
    background: rgba(10, 77, 140, 0.08);
    color: var(--primary);
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 12px;
}

.section-header h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--text);
}

.section-header p {
    color: var(--text-light);
    font-size: 1.05rem;
}

/* ===== Loans Grid ===== */
.loans-section {
    background: var(--bg-light);
}

.loans-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 28px;
}

.loan-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid transparent;
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(10, 77, 140, 0.1);
}

.loan-icon {
    width: 60px;
    height: 60px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: #fff;
    margin-bottom: 20px;
}

.loan-icon.personal { background: linear-gradient(135deg, #667eea, #764ba2); }
.loan-icon.home { background: linear-gradient(135deg, #f093fb, #f5576c); }
.loan-icon.car { background: linear-gradient(135deg, #4facfe, #00f2fe); }
.loan-icon.business { background: linear-gradient(135deg, #43e97b, #38f9d7); }
.loan-icon.education { background: linear-gradient(135deg, #fa709a, #fee140); }
.loan-icon.gold { background: linear-gradient(135deg, #f5a623, #f7c948); }

.loan-card h3 {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 10px;
}

.loan-card > p {
    color: var(--text-light);
    font-size: 0.95rem;
    margin-bottom: 20px;
}

.loan-details {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 12px;
    margin-bottom: 24px;
    padding: 16px;
    background: var(--bg-light);
    border-radius: var(--radius);
}

.loan-details span {
    display: block;
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-bottom: 2px;
}

.loan-details strong {
    font-size: 0.9rem;
    color: var(--text);
}

/* ===== Calculator ===== */
.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    padding: 40px;
    border: 1px solid var(--border);
}

.input-group {
    margin-bottom: 28px;
}

.input-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 12px;
    color: var(--text);
}

.input-group input[type="range"] {
    width: 100%;
    height: 8px;
    -webkit-appearance: none;
    appearance: none;
    background: #e2e8f0;
    border-radius: 10px;
    outline: none;
}

.input-group input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px;
    height: 22px;
    background: var(--primary);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(10, 77, 140, 0.4);
    transition: transform 0.2s;
}

.input-group input[type="range"]::-webkit-slider-thumb:hover {
    transform: scale(1.15);
}

.range-value {
    text-align: right;
    margin-top: 8px;
    font-weight: 700;
    color: var(--primary);
    font-size: 1.1rem;
}

.calc-results {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.result-card {
    background: var(--bg-light);
    border-radius: var(--radius);
    padding: 20px;
    text-align: center;
}

.result-card.main-result {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    padding: 28px;
}

.result-card.main-result span {
    font-size: 0.9rem;
    opacity: 0.9;
}

.result-card.main-result h2 {
    font-family: var(--font-display);
    font-size: 2.4rem;
    font-weight: 800;
    margin-top: 4px;
}

.result-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.result-card span {
    font-size: 0.85rem;
    color: var(--text-muted);
}

.result-card h3 {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--text);
    margin-top: 4px;
}

.emi-chart {
    margin: 8px 0;
}

.chart-bar {
    display: flex;
    height: 12px;
    border-radius: 10px;
    overflow: hidden;
    background: #e2e8f0;
}

.bar-principal {
    background: var(--primary);
    transition: width 0.5s ease;
}

.bar-interest {
    background: var(--secondary);
    transition: width 0.5s ease;
}

.chart-legend {
    display: flex;
    gap: 20px;
    margin-top: 10px;
    font-size: 0.85rem;
    color: var(--text-light);
}

.dot {
    display: inline-block;
    width: 10px;
    height: 10px;
    border-radius: 50%;
    margin-right: 6px;
}

.dot.principal { background: var(--primary); }
.dot.interest { background: var(--secondary); }

/* ===== How it Works ===== */
.how-section {
    background: var(--bg-light);
}

.steps-container {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 10px;
    position: relative;
}

.step {
    flex: 1;
    text-align: center;
    position: relative;
    z-index: 1;
}

.step-number {
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 800;
    color: rgba(10, 77, 140, 0.08);
    line-height: 1;
    margin-bottom: -10px;
}

.step-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 1.5rem;
    margin: 0 auto 16px;
    box-shadow: 0 8px 25px rgba(10, 77, 140, 0.25);
}

.step h3 {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 8px;
}

.step p {
    font-size: 0.9rem;
    color: var(--text-light);
    max-width: 200px;
    margin: 0 auto;
}

.step-connector {
    flex: 0 0 40px;
    height: 3px;
    background: linear-gradient(90deg, var(--primary), var(--secondary));
    margin-top: 80px;
    border-radius: 2px;
    opacity: 0.4;
}

/* ===== Features ===== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
    gap: 28px;
}

.feature-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 32px;
    transition: var(--transition);
}

.feature-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow);
    transform: translateY(-4px);
}

.feature-card i {
    font-size: 2rem;
    color: var(--primary);
    margin-bottom: 16px;
}

.feature-card h3 {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 10px;
}

.feature-card p {
    color: var(--text-light);
    font-size: 0.95rem;
}

/* ===== About ===== */
.about-section {
    background: var(--bg-light);
}

.about-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 60px;
    align-items: center;
}

.about-content h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3vw, 2.3rem);
    font-weight: 700;
    margin-bottom: 20px;
}

.about-content p {
    color: var(--text-light);
    margin-bottom: 16px;
}

.about-stats {
    display: flex;
    gap: 40px;
    margin-top: 32px;
}

.about-stats h3 {
    font-family: var(--font-display);
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--primary);
}

.about-stats p {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin: 0;
}

.about-card {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    border-radius: var(--radius-lg);
    padding: 48px 36px;
    text-align: center;
    box-shadow: var(--shadow-lg);
}

.about-card i {
    font-size: 3rem;
    margin-bottom: 20px;
    color: var(--secondary);
}

.about-card h3 {
    font-family: var(--font-display);
    font-size: 1.4rem;
    margin-bottom: 12px;
}

.about-card p {
    opacity: 0.9;
}

/* ===== Testimonials ===== */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 28px;
}

.testimonial-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 32px;
    transition: var(--transition);
}

.testimonial-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}

.stars {
    color: var(--secondary);
    margin-bottom: 16px;
    font-size: 0.9rem;
}

.testimonial-card p {
    color: var(--text-light);
    font-style: italic;
    margin-bottom: 24px;
    line-height: 1.7;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 14px;
}

.author-avatar {
    width: 48px;
    height: 48px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-weight: 700;
    font-size: 1.1rem;
}

.testimonial-author strong {
    display: block;
    font-size: 0.95rem;
}

.testimonial-author span {
    font-size: 0.8rem;
    color: var(--text-muted);
}

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

.cta-content h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3vw, 2.5rem);
    font-weight: 700;
    color: #fff;
    margin-bottom: 12px;
}

.cta-content p {
    color: rgba(255,255,255,0.85);
    font-size: 1.1rem;
    margin-bottom: 32px;
}

/* ===== Contact ===== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 50px;
}

.contact-item {
    display: flex;
    gap: 16px;
    margin-bottom: 28px;
}

.contact-item i {
    width: 50px;
    height: 50px;
    background: rgba(10, 77, 140, 0.08);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    font-size: 1.2rem;
    flex-shrink: 0;
}

.contact-item h4 {
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 4px;
}

.contact-item p {
    color: var(--text-light);
    font-size: 0.95rem;
}

.contact-form {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 36px;
    box-shadow: var(--shadow);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
}

.contact-form input,
.contact-form textarea {
    width: 100%;
    padding: 14px 18px;
    border: 1.5px solid var(--border);
    border-radius: 10px;
    font-size: 0.95rem;
    transition: var(--transition);
    margin-bottom: 16px;
    background: var(--bg-light);
}

.contact-form input:focus,
.contact-form textarea:focus {
    border-color: var(--primary);
    background: #fff;
    box-shadow: 0 0 0 3px rgba(10, 77, 140, 0.1);
}

.contact-form textarea {
    resize: vertical;
    min-height: 100px;
}

/* ===== Footer ===== */
.footer {
    background: var(--bg-dark);
    color: rgba(255,255,255,0.8);
    padding: 70px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 50px;
}

.footer-brand .logo {
    margin-bottom: 16px;
}

.footer-brand .logo-main { color: #fff; }
.footer-brand .logo-sub { color: var(--secondary); }

.footer-brand p {
    font-size: 0.95rem;
    margin-bottom: 20px;
    max-width: 280px;
}

.social-links {
    display: flex;
    gap: 12px;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.08);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    transition: var(--transition);
}

.social-links a:hover {
    background: var(--primary);
    transform: translateY(-3px);
}

.footer-links h4 {
    color: #fff;
    font-size: 1.05rem;
    font-weight: 600;
    margin-bottom: 20px;
}

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

.footer-links a {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.65);
}

.footer-links a:hover {
    color: var(--secondary);
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 24px 0;
    text-align: center;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.5);
}

/* ===== WhatsApp Float ===== */
.whatsapp-float {
    position: fixed;
    bottom: 28px;
    right: 28px;
    width: 60px;
    height: 60px;
    background: #25d366;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 1.8rem;
    box-shadow: 0 4px 20px rgba(37, 211, 102, 0.4);
    z-index: 999;
    transition: var(--transition);
    animation: pulse-whatsapp 2s infinite;
}

.whatsapp-float:hover {
    transform: scale(1.1);
}

@keyframes pulse-whatsapp {
    0%, 100% { box-shadow: 0 4px 20px rgba(37, 211, 102, 0.4); }
    50% { box-shadow: 0 4px 30px rgba(37, 211, 102, 0.7); }
}

/* ===== Animations ===== */
.animate-fade-up {
    opacity: 0;
    transform: translateY(30px);
    animation: fadeUp 0.8s ease forwards;
}

.delay-1 { animation-delay: 0.15s; }
.delay-2 { animation-delay: 0.3s; }
.delay-3 { animation-delay: 0.45s; }

@keyframes fadeUp {
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.animate-on-scroll {
    opacity: 0;
    transform: translateY(40px);
    transition: opacity 0.7s ease, transform 0.7s ease;
}

.animate-on-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ===== Responsive ===== */
@media (max-width: 992px) {
    .hero-content {
        grid-template-columns: 1fr;
        text-align: center;
    }
    .hero p { margin-left: auto; margin-right: auto; }
    .hero-btns { justify-content: center; }
    .hero-stats { justify-content: center; }
    .hero-image { max-width: 420px; margin: 0 auto; }
    .calculator-wrapper { grid-template-columns: 1fr; }
    .steps-container { flex-wrap: wrap; justify-content: center; gap: 30px; }
    .step-connector { display: none; }
    .about-grid { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
    .nav-links {
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        background: #fff;
        flex-direction: column;
        padding: 80px 30px 30px;
        box-shadow: -10px 0 30px rgba(0,0,0,0.1);
        transition: right 0.3s ease;
        gap: 20px;
        align-items: flex-start;
    }
    .nav-links.open { right: 0; }
    .hamburger { display: flex; }
    .nav-cta { display: none; }
    .hero { padding: 100px 0 60px; }
    .hero-stats { flex-direction: column; gap: 16px; }
    .loan-details { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .section { padding: 60px 0; }
}

@media (max-width: 480px) {
    .hero-btns { flex-direction: column; }
    .btn-lg { width: 100%; }
}