/* =========================
   CSS VARIABLES & RESET
========================= */

:root {
  --b900: #040f2d;
  --b800: #071a4a;
  --b700: #0a2463;
  --b600: #1039a0;
  --b500: #1a52cc;
  --b400: #3b7cff;
  --b300: #6fa3ff;
  --b100: #ddeaff;
  --b050: #f0f5ff;
  --cyan:  #00d4ff;
  --white: #ffffff;
  --text:  #0d1b3e;
  --muted: #5a6a8a;
  --light: #e8edf8;
  --shadow-card: 0 24px 64px rgba(4,15,45,.18);
  --shadow-btn:  0 8px 28px rgba(26,82,204,.45);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Outfit',sans-serif;background:var(--b050);color:var(--text);overflow-x:hidden;}
body {
  overflow-x: hidden;
  min-height: 100%;
}

body {
  min-height: 100dvh;
}

/* =========================
   NAVBAR
========================= */

.main-header{
  position:sticky;
  top:0;
  left:0;
  width:100%;
  z-index:999;
  background: rgba(4,15,45,.92);
  backdrop-filter:blur(18px);
  border-bottom: 1px solid rgba(255,255,255,.06);
}

.navbar{
  max-width:1280px;
  margin:auto;
  height:78px;
  padding:0 5%;
  display:flex;
  align-items:center;
  justify-content:space-between;
}

/* =========================
   LOGO
========================= */

.brand-logo{
  text-decoration:none;
  font-size:2rem;
  font-weight:700;
  color:#fff;
  font-family:'Cormorant Garamond', serif;
}

.brand-logo span{
  color:#00d4ff;
}

/* =========================
   NAV LINKS
========================= */

.nav-links{
  display:flex;
  align-items:center;
  gap:34px;
}

.nav-links a{
  text-decoration:none;
  color: rgba(255,255,255,.82);
  font-size:.92rem;
  font-weight:500;
  transition:.25s ease;
}

.nav-links a:hover{
  color:#00d4ff;
}

/* =========================
   DROPDOWN
========================= */

.nav-dropdown{
  position:relative;
}

.nav-dropdown > a{
  display:flex;
  align-items:center;
  gap:8px;
  height:78px;
}

.dropdown-menu{
  position:absolute;
  top:100%;
  left:0;
  min-width:240px;
  padding:12px;
  border-radius:18px;
  background:#ffffff;
  box-shadow: 0 20px 50px rgba(0,0,0,.14);
  opacity:0;
  visibility:hidden;
  transform: translateY(10px);
  transition:.25s ease;
  display:flex;
  flex-direction:column;
  gap:4px;
}

.nav-dropdown:hover .dropdown-menu{
  opacity:1;
  visibility:visible;
  transform: translateY(0);
}

.dropdown-menu a{
  color:#08142f;
  padding:12px 14px;
  border-radius:12px;
  font-size:.88rem;
}

.dropdown-menu a:hover{
  background:#f3f7ff;
  color:#0f52cc;
}

/* =========================
   SIMPLE LINKS
========================= */

.simple-link{
  position:relative;
}

.simple-link::after{
  content:"";
  position:absolute;
  left:0;
  bottom:-6px;
  width:0;
  height:2px;
  background:#00d4ff;
  transition:.3s ease;
}

.simple-link:hover::after{
  width:100%;
}

/* =========================
   NAV ARROW
========================= */

.nav-arrow{
  width:14px;
  height:14px;
  opacity:.75;
  transition:.25s ease;
  transform:translateY(1px);
}

.nav-dropdown:hover .nav-arrow{
  transform: translateY(1px) rotate(180deg);
  color:#00d4ff;
}

/* =========================
   NAV BUTTONS
========================= */

.desktop-apply-btn,
.mobile-apply-btn{
  text-decoration:none;
  height:46px;
  padding:0 24px;
  border-radius:14px;
  display:flex;
  align-items:center;
  justify-content:center;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color:#fff !important;
  font-size:.9rem;
  font-weight:600;
  transition:.3s ease;
}

.desktop-apply-btn:hover,
.mobile-apply-btn:hover{
  transform:translateY(-2px);
  box-shadow: 0 12px 24px rgba(0,212,255,.18);
}

.mobile-apply-btn{
  display:none;
}

/* =========================
   MENU BUTTON
========================= */

.menu-btn{
  display:none;
  border:none;
  outline:none;
  background:none;
  color:#fff;
  font-size:1.8rem;
  cursor:pointer;
}

/* =========================
   NAVBAR MOBILE
========================= */

@media(max-width:992px){

  .menu-btn{
    display:block;
  }

  .desktop-apply-btn{
    display:none;
  }

  .nav-links{
    position:absolute;
    top:78px;
    left:0;
    width:100%;
    background:#071633;
    border-top: 1px solid rgba(255,255,255,.06);
    padding:24px 5%;
    flex-direction:column;
    align-items:flex-start;
    gap:0;
    display:none;
  }

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

  .nav-dropdown{
    width:100%;
  }

  .nav-dropdown > a{
    width:100%;
    height:auto;
    padding:16px 0;
    justify-content:space-between;
  }

  .dropdown-menu{
    position:static;
    opacity:1;
    visibility:visible;
    transform:none;
    background: rgba(255,255,255,.04);
    box-shadow:none;
    border-radius:14px;
    margin-bottom:12px;
    display:none;
  }

  .nav-dropdown:hover .dropdown-menu{
    display:flex;
  }

  .dropdown-menu a{
    color: rgba(255,255,255,.78);
  }

  .dropdown-menu a:hover{
    background: rgba(255,255,255,.05);
    color:#00d4ff;
  }

  .simple-link{
    padding:16px 0;
    width:100%;
  }

  .mobile-apply-btn{
    display:flex;
    width:100%;
    margin-top:16px;
  }

}

@media(max-width:768px){
  nav .nav-tag{display:none;}
}

@media(max-width:640px){
  .nav-cta{display:none;}
}


/* =========================
   GLOBAL BUTTONS
========================= */

.hero-btn{
  text-decoration:none;
  height:54px;
  padding:0 28px;
  border-radius:16px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:.95rem;
  font-weight:600;
  transition:.3s ease;
}

.primary-btn{
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color:#fff;
  box-shadow: 0 14px 30px rgba(0,212,255,.18);
}

.primary-btn:hover{
  transform:translateY(-3px);
  box-shadow: 0 18px 34px rgba(0,212,255,.28);
}

.secondary-btn{
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  color:#fff;
  backdrop-filter:blur(12px);
}

.secondary-btn:hover{
  background: rgba(255,255,255,.12);
  border-color: rgba(0,212,255,.35);
  transform:translateY(-3px);
}

@media(max-width:768px){
  .hero-cta{
    justify-content:center;
    margin:24px 0 28px;
  }
  .hero-btn{
    width:100%;
    max-width:260px;
  }
}


/* =========================
   FLOATING SCROLL BUTTON
========================= */

.scroll-top-btn{
  position:fixed;
  right:24px;
  bottom:24px;
  width:56px;
  height:56px;
  border:none;
  outline:none;
  border-radius:18px;
  cursor:pointer;
  background: linear-gradient(135deg, #0f52cc, #00cfff);
  display:flex;
  align-items:center;
  justify-content:center;
  box-shadow: 0 18px 40px rgba(0,212,255,.22);
  opacity:0;
  visibility:hidden;
  transform:translateY(20px) scale(.92);
  transition:all .3s ease;
  z-index:9999;
}

.scroll-top-btn.show{
  opacity:1;
  visibility:visible;
  transform:translateY(0) scale(1);
}

.scroll-icon{
  width:22px;
  height:22px;
  stroke:#fff;
  stroke-width:2.4;
  fill:none;
  stroke-linecap:round;
  stroke-linejoin:round;
  transition:.3s ease;
}

.scroll-top-btn:hover{
  transform:translateY(-4px) scale(1.04);
  box-shadow: 0 24px 50px rgba(0,212,255,.35);
}

.scroll-top-btn:hover .scroll-icon{
  transform:translateY(-2px);
}

@media(max-width:768px){
  .scroll-top-btn{
    width:48px;
    height:48px;
    right:16px;
    bottom:16px;
    border-radius:14px;
  }
  .scroll-icon{
    width:18px;
    height:18px;
  }
}


/* =========================
   WHATSAPP FLOAT
========================= */

.whatsapp-float{
  position:fixed;
  right:24px;
  bottom:95px;
  width:58px;
  height:58px;
  border-radius:50%;
  background:linear-gradient(135deg, #25D366, #1ebe5d);
  display:flex;
  align-items:center;
  justify-content:center;
  text-decoration:none;
  box-shadow: 0 14px 35px rgba(37,211,102,.30);
  z-index:99999;
  transition:all .3s ease;
}

.whatsapp-float i{
  font-size:30px;
  color:#fff;
}

.whatsapp-float:hover{
  transform:translateY(-4px) scale(1.08);
  box-shadow: 0 20px 45px rgba(37,211,102,.45);
}

.whatsapp-float::before{
  content:"";
  position:absolute;
  inset:-6px;
  border-radius:50%;
  border:2px solid rgba(37,211,102,.35);
  animation:whatsappPulse 2s infinite;
}

@media(max-width:768px){
  .whatsapp-float{
    width:50px;
    height:50px;
    right:16px;
    bottom:76px;
  }
  .whatsapp-float i{
    font-size:24px;
  }
}


/* =========================
   FOOTER
========================= */

.site-footer{
  background: linear-gradient(135deg, #071633 0%, #0a1f4d 100%);
  border-top:1px solid rgba(255,255,255,.06);
  margin-top:70px;
}

.footer-container{
  max-width:1280px;
  margin:auto;
  padding:70px 5% 40px;
  display:grid;
  grid-template-columns:1.5fr 1fr 1fr 1fr;
  gap:50px;
}

.footer-logo{
  text-decoration:none;
  color:#fff;
  font-size:2rem;
  font-weight:700;
  font-family:'Cormorant Garamond', serif;
}

.footer-logo span{
  color:#00d4ff;
}

.footer-brand p{
  margin-top:18px;
  color:rgba(255,255,255,.72);
  font-size:.95rem;
  line-height:1.7;
  max-width:320px;
}

.footer-contact{
  margin-top:22px;
  display:flex;
  flex-direction:column;
  gap:12px;
}

.footer-contact a{
  text-decoration:none;
  color:rgba(255,255,255,.78);
  font-size:.92rem;
  transition:.25s ease;
}

.footer-contact a:hover{
  color:#00d4ff;
}

.footer-links h4{
  color:#fff;
  font-size:1rem;
  margin-bottom:18px;
}

.footer-links{
  display:flex;
  flex-direction:column;
}

.footer-links a{
  text-decoration:none;
  color:rgba(255,255,255,.72);
  font-size:.92rem;
  margin-bottom:12px;
  transition:.25s ease;
}

.footer-links a:hover{
  color:#00d4ff;
  transform:translateX(4px);
}

.footer-bottom{
  border-top:1px solid rgba(255,255,255,.06);
  padding:18px 5%;
  text-align:center;
}

.footer-bottom p{
  color:rgba(255,255,255,.55);
  font-size:.85rem;
}

@media(max-width:1024px){
  .footer-container{
    grid-template-columns:1fr 1fr;
    gap:40px;
  }
  .footer-brand p{
    max-width:100%;
  }
}

@media(max-width:768px){
  .footer-container{
    grid-template-columns:1fr;
    gap:35px;
    text-align:center;
    padding:55px 6% 30px;
  }
  .footer-brand{
    display:flex;
    flex-direction:column;
    align-items:center;
  }
  .footer-brand p{
    max-width:100%;
    font-size:.9rem;
  }
  .footer-contact{
    align-items:center;
  }
  .footer-links{
    align-items:center;
  }
  .footer-links h4{
    margin-bottom:14px;
  }
  .footer-links a{
    margin-bottom:10px;
    font-size:.9rem;
  }
  .footer-logo{
    font-size:1.8rem;
  }
}

@media(max-width:480px){
  .footer-container{
    padding:45px 6% 25px;
  }
  .footer-logo{
    font-size:1.6rem;
  }
  .footer-brand p{
    font-size:.85rem;
    line-height:1.6;
  }
  .footer-contact a,
  .footer-links a{
    font-size:.85rem;
  }
}


/* =========================
   KEYFRAMES
========================= */

@keyframes slideUp{from{opacity:0;transform:translateY(36px);}to{opacity:1;transform:translateY(0);}}
@keyframes float{0%,100%{transform:translateY(0);}50%{transform:translateY(-20px);}}
@keyframes blink{0%,100%{opacity:1;}50%{opacity:.3;}}
@keyframes pop{from{opacity:0;transform:scale(.4);}to{opacity:1;transform:scale(1);}}
@keyframes whatsappPulse{0%{transform:scale(.9);opacity:1;}100%{transform:scale(1.4);opacity:0;}}


/* =========================
   FAQ SECTION
========================= */

.loan-faq-section {
  display: block;
  width: 100%;
  clear: both;
  overflow: hidden;
  padding: 80px 20px;
  margin-top: 0;
  background: #f8fbff;
  position: relative;
}

/* MAIN CENTER WRAPPER */

.loan-faq-section .container {
  width: 100%;
  max-width: 100%;
  padding: 0;
  margin: 0;
}

.faq-heading,
.faq-wrapper,
.faq-load-more {
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

/* HEADING */

.faq-heading {
  text-align: center;
  margin-bottom: 45px;
}

.faq-heading span {
  display: inline-block;
  color: var(--cyan);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.faq-heading h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  line-height: 1.15;
  color: var(--b900);
  margin: 0 0 14px;
}

.faq-heading p {
  color: #5d6785;
  font-size: 1rem;
  line-height: 1.8;
  margin: 0;
}

/* FAQ WRAPPER */

.faq-wrapper {
  display: flex;
  flex-direction: column;
  gap: 18px;
  width: 100%;
}

/* FAQ CARD */

.faq-item {
  width: 100%;
  background: #fff;
  border-radius: 18px;
  border: 1px solid rgba(4,15,45,0.06);
  box-shadow: 0 10px 28px rgba(4,15,45,0.05);
  overflow: hidden;
  transition: 0.3s ease;
}

.faq-item:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 34px rgba(4,15,45,0.08);
}

/* QUESTION */

.faq-question {
  width: 100%;
  border: none;
  background: transparent;
  padding: 22px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  cursor: pointer;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--b900);
}

/* ICON */

.faq-question span {
  width: 36px;
  height: 36px;
  min-width: 36px;
  border-radius: 50%;
  background: rgba(0,212,255,0.1);
  color: var(--b500);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 700;
}

/* ANSWER */

.faq-answer {
  display: none;
  padding: 0 24px 22px;
}

.faq-item.active .faq-answer {
  display: block;
}

.faq-answer p {
  margin: 0;
  color: #5d6785;
  font-size: 0.95rem;
  line-height: 1.7;
}

/* HIDDEN FAQ */

.hidden-faq {
  display: none;
}

.hidden-faq.show {
  display: block;
}

/* BUTTON */

.faq-load-more {
  display: block;
  margin-top: 30px;
  border: none;
  padding: 14px 30px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  box-shadow: 0 12px 28px rgba(26,82,204,0.18);
}

/* MOBILE */

@media (max-width: 768px) {
  .loan-faq-section {
    padding: 50px 16px;
  }

  .faq-heading,
  .faq-wrapper,
  .faq-load-more {
    max-width: 100%;
  }

  .faq-heading h2 {
    font-size: 2rem;
  }

  .faq-heading p {
    font-size: 0.9rem;
  }

  .faq-question {
    padding: 16px;
    font-size: 0.9rem;
  }

  .faq-question span {
    width: 30px;
    height: 30px;
    min-width: 30px;
    font-size: 1rem;
  }

  .faq-answer {
    padding: 0 16px 16px;
  }

  .faq-answer p {
    font-size: 0.85rem;
  }

  .faq-load-more {
    width: 100%;
  }
}

/* =========================
   COMPACT CTA STRIP
========================= */

.loan-cta-strip {
  padding: 50px 20px 0;   /* top gap added */
  background: transparent; /* white bg removed */
}

.loan-cta-container {
  max-width: 980px;
  margin: 0 auto;
}

.loan-cta-content {
  background: linear-gradient(135deg, #0a2463 0%, #1a52cc 65%, #0d6efd 100%);
  border-radius: 16px;
  padding: 16px 22px;
  min-height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  box-shadow: 0 14px 30px rgba(4, 15, 45, 0.14);
  position: relative;
  overflow: hidden;
}

.loan-cta-content::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}

/* TEXT */

.loan-cta-content h3 {
  position: relative;
  z-index: 2;
  margin: 0;
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.4;
}

/* BUTTON */

.loan-cta-btn {
  position: relative;
  z-index: 2;
  text-decoration: none;
  min-width: 160px;
  height: 48px;
  padding: 0 24px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #00d4ff, #27d7c8);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  transition: 0.3s ease;
  flex-shrink: 0;
}

.loan-cta-btn:hover {
  transform: translateY(-2px);
}

/* TABLET */

@media (max-width: 992px) {
  .loan-cta-container {
    max-width: 100%;
  }

  .loan-cta-content {
    padding: 16px 18px;
  }

  .loan-cta-content h3 {
    font-size: 0.95rem;
  }

  .loan-cta-btn {
    min-width: 145px;
    height: 44px;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .loan-cta-strip {
    padding: 40px 16px 0;
  }

  .loan-cta-content {
    flex-direction: column;
    text-align: center;
    padding: 20px 16px;
    min-height: auto;
    gap: 14px;
    border-radius: 14px;
  }

  .loan-cta-content h3 {
    font-size: 1rem;
    line-height: 1.5;
  }

  .loan-cta-btn {
    width: 100%;
    max-width: 220px;
    height: 46px;
  }
}