:root 
{
    --brand: #0f0cc7;
    --brand-dark: #4038C9;
    --brand-soft: #F0EEFF;
    --accent: #fd6e04;
    --navy: #101828;
    --ink: #101828;
    --muted: #393a3c;
    --surface: #f7f9fc;
    --border: #e7ebf2;
    --success: #198754;
    --shadow: 0 18px 50px rgba(20, 35, 60, .08);
    --radius: 18px;
}
html { scroll-behavior: smooth; }
body {
    margin: 0;
    color: var(--ink);
    background: #f1e6dd12;
    font-family: "Inter", sans-serif;
    line-height: 1.7;
}

h1,h2,h3,h4,h5,h6 {
    font-family: "Plus Jakarta Sans", sans-serif;
    font-weight: 700;
    line-height: 1.25;
}

a { text-decoration: none; }
.section { padding: 88px 0; }
.section-soft { background: var(--surface); }
.container-wide { max-width: 1180px; }


/* Modern loan-process slider */
.loan-process-slider {
    position: relative;
    overflow: hidden;
    background: linear-gradient(110deg, #101828 0%, #1D2342 58%, #302B72 100%);
    color: #fff;
    padding: 34px 0 30px;
}
.loan-process-slider::before {
    content: "";
    position: absolute;
    width: 360px;
    height: 360px;
    right: -150px;
    top: -210px;
    border-radius: 50%;
    background: rgba(99,91,255,.28);
    filter: blur(10px);
}
.process-slider-top {
    position: relative;
    z-index: 1;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    margin-bottom: 22px;
}
.process-label {
    color: #fd6e04;
    text-transform: uppercase;
    letter-spacing: .08em;
    font-size: .72rem;
    font-weight: 800;
}
.process-slider-top h2 {
    margin: 5px 0 0;
    font-size: clamp(1.25rem, 2.5vw, 1.75rem);
    letter-spacing: -.03em;
}
.process-controls {
    gap: 8px;
}
.process-arrow {
    width: 42px;
    height: 42px;
    border: 1px solid rgba(255,255,255,.18);
    background: rgba(255,255,255,.08);
    color: #fff;
    border-radius: 50%;
    transition: .2s ease;
}
.process-arrow:hover {
    background: var(--brand);
    border-color: var(--brand);
}
.process-slide {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: auto auto 1fr auto;
    align-items: center;
    gap: 22px;
    min-height: 142px;
    padding: 25px 30px;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 20px;
    background: rgba(255,255,255,.075);
    box-shadow: 0 16px 45px rgba(0,0,0,.14);
    backdrop-filter: blur(10px);
}
.process-number {
    font-size: 2.3rem;
    line-height: 1;
    font-weight: 800;
    color: rgba(255,255,255,.16);
}
.process-icon {
    width: 58px;
    height: 58px;
    display: grid;
    place-items: center;
    border-radius: 16px;
    background: linear-gradient(135deg, var(--brand), #2f70c6);
    color: #fff;
    box-shadow: 0 10px 25px rgba(99,91,255,.3);
}
.process-content span {
    color: #fd6e04;
    font-size: .72rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .08em;
}
.process-content h3 {
    font-size: 1.2rem;
    margin: 4px 0 4px;
}
.process-content p {
    color: rgba(255,255,255,.72);
    margin: 0;
    max-width: 720px;
    font-size: .9rem;
}
.process-next {
    width: 38px;
    height: 38px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: rgba(22,199,217,.12);
    color: #fd6e04;
}
.process-indicators {
    position: static;
    margin: 16px 0 0;
    justify-content: flex-start;
    gap: 7px;
}
.process-indicators [data-bs-target] {
    width: 22px;
    height: 3px;
    margin: 0;
    border: 0;
    border-radius: 10px;
    background: rgba(255,255,255,.3);
}
.process-indicators .active {
    width: 42px;
    background: var(--accent);
}

/* Modern palette accents */
.btn-brand {
    background: var(--brand);
    border-color: var(--brand);
}
.btn-brand:hover {
    background: var(--brand-dark);
    border-color: var(--brand-dark);
}
.feature-icon {
    background: var(--brand-soft);
    color: var(--brand);
}
.eyebrow {
    background: var(--brand-soft);
    color: var(--brand-dark);
}
.hero {
    background:
        radial-gradient(circle at 85% 15%, rgba(99,91,255,.14), transparent 28%),
        radial-gradient(circle at 10% 90%, rgba(22,199,217,.08), transparent 25%),
        linear-gradient(135deg, #fafaff 0%, #ffffff 62%);
}
.cta {
    background: linear-gradient(135deg, #4038C9, #635BFF);
}
.navbar .nav-link:hover,
.navbar .nav-link.active {
    color: var(--brand);
}

@media (max-width: 767.98px) {
    .loan-process-slider { padding: 28px 0 25px; }
    .process-slider-top { margin-bottom: 16px; }
    .process-slide {
        grid-template-columns: auto 1fr auto;
        gap: 15px;
        min-height: 155px;
        padding: 22px 18px;
    }
    .process-number { display: none; }
    .process-icon { width: 48px; height: 48px; border-radius: 13px; }
    .process-content h3 { font-size: 1.05rem; }
    .process-content p { font-size: .82rem; line-height: 1.55; }
    .process-next { width: 32px; height: 32px; }
}

/* Header */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1040;
    background: #1d45ff17;
    border-bottom: 1px solid var(--border);
    backdrop-filter: blur(12px);
}
.navbar-brand img { width: 185px; max-width: 70vw; height: auto; }
.navbar .nav-link {
    color: #344054;
    font-weight: 600;
    text-transform: uppercase;
    padding: .85rem .85rem !important;
}
.navbar .nav-link:hover,
.navbar .nav-link.active { color: var(--brand); text-transform: uppercase;}

.btn-brand {
    background: var(--brand);
    border-color: var(--brand);
    color: #fff;
    border-radius: 10px;
    font-weight: 700;
    padding: .78rem 1.15rem;
}
.btn-brand:hover {
    background: var(--brand-dark);
    border-color: var(--brand-dark);
    color: #fff;
}
.btn-soft {
    background: var(--brand-soft);
    border: 1px solid #d6e5ff;
    color: var(--brand-dark);
    border-radius: 10px;
    font-weight: 700;
}

/* Desktop dropdown + nested dropdown */
.dropdown-menu {
    border: 1px solid var(--border);
    box-shadow: var(--shadow);
    border-radius: 12px;
    padding: .5rem;
}
.dropdown-item {
    border-radius: 8px;
    padding: .65rem .8rem;
    font-weight: 500;
}
.dropdown-item:hover { background: var(--brand-soft); color: var(--brand-dark); }
.dropdown-submenu { position: relative; }
.dropdown-submenu > .dropdown-menu {
    top: -.5rem;
    left: 100%;
    margin-left: .25rem;
}
@media (min-width: 992px) {
    .dropdown-submenu:hover > .dropdown-menu { display: block; }
}

/* Mobile left navigation */
@media (max-width: 991.98px) {
    .mobile-menu {
        width: min(88vw, 360px);
        border: 0;
    }
    .mobile-menu .offcanvas-header {
        border-bottom: 1px solid var(--border);
    }
    .mobile-menu .nav-link {
        padding: .85rem 0 !important;
        border-bottom: 1px solid #f0f2f5;
    }
    .mobile-menu .dropdown-menu {
        position: static !important;
        transform: none !important;
        border: 0;
        box-shadow: none;
        padding: 0 0 0 1rem;
        margin: 0;
    }
    .mobile-menu .dropdown-item {
        padding: .7rem .5rem;
        border-bottom: 1px solid #f2f4f7;
    }
    .mobile-menu .dropdown-submenu > .dropdown-menu {
        margin: 0;
        padding-left: 1rem;
    }
}

/* Hero */
.hero {
    background:
        radial-gradient(circle at 85% 15%, rgba(11,94,215,.14), transparent 28%),
        linear-gradient(135deg, #f7fbff 0%, #779cc0 62%);
    padding: 80px 0 72px;
    border-bottom: 1px solid var(--border);
}

.carousel-inner {
    position: relative;
    width: 100%;
    overflow: hidden;
    margin-top: 15px;
}
.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .45rem .75rem;
    border-radius: 999px;
    background: var(--brand-soft);
    color: var(--brand-dark);
    font-size: .82rem;
    font-weight: 800;
    letter-spacing: .03em;
    text-transform: uppercase;
}
.hero h1 {
    font-size: clamp(2.2rem, 5vw, 4.35rem);
    letter-spacing: -.045em;
}
.hero-lead {
    color: var(--muted);
    font-size: clamp(1rem, 2vw, 1.2rem);
    max-width: 690px;
}
.hero-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 24px;
    box-shadow: var(--shadow);
    padding: 28px;
}
.hero-card .icon {
    width: 52px;
    height: 52px;
    display: grid;
    place-items: center;
    border-radius: 14px;
    background: var(--brand-soft);
    color: var(--brand);
    font-size: 1.25rem;
}

.trust-strip {
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    background: #fff;
}
.trust-item {
    padding: 22px 14px;
    text-align: center;
}
.trust-item strong { display: block; font-size: 1.1rem; }
.trust-item span { color: var(--muted); font-size: .9rem; }

.section-kicker {
    color: var(--brand);
    font-size: .8rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .08em;
    margin-bottom: .65rem;
}
.section-title { font-size: clamp(1.8rem, 4vw, 2.8rem); letter-spacing: -.035em; }
.muted { color: var(--muted); }

.feature-card,
.service-card,
.step-card,
.contact-card {
    height: 100%;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    background: #fff;
    padding: 28px;
    box-shadow: 0 8px 30px rgba(20,35,60,.04);
    transition: transform .2s ease, box-shadow .2s ease;
}
.feature-card:hover,
.service-card:hover,
.step-card:hover,
.contact-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow);
}
.feature-icon {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    background: var(--brand-soft);
    color: var(--brand);
    border-radius: 13px;
    margin-bottom: 20px;
    font-size: 1.1rem;
}

.steps {
    counter-reset: step;
}
.step-card {
    position: relative;
    padding-top: 64px;
}
.step-card::before {
    counter-increment: step;
    content: counter(step);
    position: absolute;
    top: 24px;
    left: 28px;
    width: 30px;
    height: 30px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--brand);
    color: #fff;
    font-weight: 800;
    font-size: .85rem;
}

.cta {
    background: linear-gradient(135deg, #084298, #0b5ed7);
    color: #fff;
    border-radius: 26px;
    padding: 50px;
}
.cta p { color: rgba(255,255,255,.82); }

.accordion-item {
    border: 1px solid var(--border);
    border-radius: 12px !important;
    overflow: hidden;
    margin-bottom: 12px;
}
.accordion-button {
    font-weight: 700;
    padding: 1.15rem 1.25rem;
}
.accordion-button:not(.collapsed) {
    color: var(--brand-dark);
    background: var(--brand-soft);
    box-shadow: none;
}
.accordion-button:focus { box-shadow: none; }

.form-control, .form-select {
    border-color: var(--border);
    border-radius: 10px;
    padding: .85rem 1rem;
}
.form-control:focus, .form-select:focus {
    border-color: #86b7fe;
    box-shadow: 0 0 0 .2rem rgba(13,110,253,.12);
}

footer {
    background: #101828;
    color: #d0d5dd;
}
footer a { color: #d0d5dd; }
footer a:hover { color: #fff; }
footer h5 { color: #fff; }
.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.1);
}

.back-to-top {
    position: fixed;
    right: 20px;
    bottom: 20px;
    z-index: 1030;
    width: 46px;
    height: 46px;
    border-radius: 50%;
    display: none;
    place-items: center;
}

@media (max-width: 767.98px) {
    .section { padding: 64px 0; }
    .hero { padding: 54px 0 50px; }
    .cta { padding: 32px 24px; border-radius: 20px; }
    .navbar-brand img { width: 155px; }
}

.journey-header {
    position: relative;

    background:
        radial-gradient(
            circle at 10% 10%,
            rgba(59,130,246,.16),
            transparent 28%
        ),
        radial-gradient(
            circle at 90% 90%,
            rgba(99,102,241,.13),
            transparent 30%
        ),
        linear-gradient(
            135deg,
            #07111f 0%,
            #0f1f38 48%,
            #111827 100%
        );

    min-height: 680px;

    display: flex;

    align-items: center;

    overflow: hidden;
}


/* =========================================================
   DECORATIVE BACKGROUND
========================================================= */

.journey-header::before {
    content: "";

    position: absolute;

    width: 420px;
    height: 420px;

    border-radius: 50%;

    border: 1px solid rgba(255,255,255,.05);

    top: -180px;
    left: -160px;
}

.journey-header::after {
    content: "";

    position: absolute;

    width: 500px;
    height: 500px;

    border-radius: 50%;

    border: 1px solid rgba(255,255,255,.04);

    bottom: -260px;
    right: -200px;
}


/* =========================================================
   SPLIT WRAPPER
========================================================= */

.loan-split-wrapper {

    position: relative;

    z-index: 2;

    display: grid;

    grid-template-columns:
        minmax(0, 1.1fr)
        minmax(420px, .9fr);

    min-height: 560px;

    border-radius: 26px;

    overflow: hidden;

    background: rgba(255,255,255,.04);

    border: 1px solid rgba(255,255,255,.08);

    box-shadow:
        0 30px 80px rgba(0,0,0,.35);
}


/* =========================================================
   LEFT INFORMATION PANEL
========================================================= */

.loan-info-panel {

    position: relative;

    padding: 65px 60px;

    display: flex;

    align-items: center;

    background:
        linear-gradient(
            145deg,
            rgba(30,64,175,.90),
            rgba(15,23,42,.95)
        );
}


.loan-info-content {
    max-width: 590px;
}


/* =========================================================
   BADGE
========================================================= */

.brand-badge {

    display: inline-flex;

    align-items: center;

    gap: 8px;

    padding: 8px 14px;

    margin-bottom: 24px;

    border-radius: 30px;

    background: rgba(255,255,255,.09);

    border: 1px solid rgba(255,255,255,.12);

    color: rgba(255,255,255,.90);

    font-size: 12px;

    font-weight: 600;

    letter-spacing: .4px;
}


/* =========================================================
   LEFT HEADING
========================================================= */

.loan-info-panel h1 {

    margin: 0;

    color: #ffffff;

    font-size: clamp(34px, 4vw, 52px);

    line-height: 1.08;

    font-weight: 750;

    letter-spacing: -1.5px;
}


.loan-info-panel h1 span {

    display: block;

    margin-top: 5px;

    color: #93c5fd;
}


/* =========================================================
   DESCRIPTION
========================================================= */

.loan-info-description {

    max-width: 520px;

    margin: 22px 0 35px;

    color: rgba(255,255,255,.70);

    font-size: 15px;

    line-height: 1.75;
}


/* =========================================================
   BENEFITS
========================================================= */

.loan-benefits {

    display: flex;

    flex-direction: column;

    gap: 18px;
}


.loan-benefit {

    display: flex;

    align-items: center;

    gap: 15px;
}


.benefit-icon {

    flex: 0 0 43px;

    width: 43px;
    height: 43px;

    display: flex;

    align-items: center;

    justify-content: center;

    border-radius: 12px;

    background: rgba(255,255,255,.10);

    border: 1px solid rgba(255,255,255,.10);

    color: #bfdbfe;

    font-size: 16px;
}


.loan-benefit h5 {

    margin: 0 0 3px;

    color: #ffffff;

    font-size: 14px;

    font-weight: 600;
}


.loan-benefit p {

    margin: 0;

    color: rgba(255,255,255,.56);

    font-size: 12px;
}


/* =========================================================
   TRUST AREA
========================================================= */

.loan-trust {

    display: flex;

    align-items: center;

    gap: 28px;

    margin-top: 40px;

    padding-top: 24px;

    border-top: 1px solid rgba(255,255,255,.10);
}


.trust-item {

    display: flex;

    flex-direction: column;
}


.trust-item strong {

    color: #ffffff;

    font-size: 21px;

    line-height: 1;
}


.trust-item span {

    margin-top: 5px;

    color: rgba(255,255,255,.50);

    font-size: 11px;
}


.trust-divider {

    width: 1px;

    height: 35px;

    background: rgba(255,255,255,.12);
}


/* =========================================================
   RIGHT FORM PANEL
========================================================= */

.loan-form-panel {

    display: flex;

    align-items: center;

    justify-content: center;

    padding: 40px;

    background: #f8fafc;
}


/* =========================================================
   FORM CARD
========================================================= */

.loan-form-card {

    width: 100%;

    max-width: 440px;
}


/* =========================================================
   FORM HEADER
========================================================= */

.loan-form-header {

    display: flex;

    align-items: center;

    gap: 15px;

    margin-bottom: 32px;
}


.form-icon {

    flex: 0 0 52px;

    width: 52px;
    height: 52px;

    display: flex;

    align-items: center;

    justify-content: center;

    border-radius: 14px;

    background: #dbeafe;

    color: #1d4ed8;

    font-size: 20px;
}


.loan-form-header h2 {

    margin: 0;

    color: #111827;

    font-size: 24px;

    font-weight: 700;

    letter-spacing: -.5px;
}


.loan-form-header p {

    margin: 4px 0 0;

    color: #6b7280;

    font-size: 13px;
}


/* =========================================================
   FORM LABEL
========================================================= */

.loan-form-card .form-label {

    display: block;

    margin-bottom: 8px;

    color: #374151;

    font-size: 13px;

    font-weight: 600;
}


/* =========================================================
   MOBILE INPUT
========================================================= */

.mobile-input-wrapper {

    display: flex;

    height: 52px;

    border: 1px solid #d7dce4;

    border-radius: 11px;

    background: #ffffff;

    overflow: hidden;

    transition: .2s ease;
}


.mobile-input-wrapper:focus-within {

    border-color: #2563eb;

    box-shadow:
        0 0 0 3px rgba(37,99,235,.10);
}


.country-code {

    width: 62px;

    display: flex;

    align-items: center;

    justify-content: center;

    background: #f3f4f6;

    border-right: 1px solid #e5e7eb;

    color: #374151;

    font-size: 14px;

    font-weight: 600;
}


.mobile-input {

    border: 0 !important;

    box-shadow: none !important;

    height: 50px;

    padding: 0 14px;

    font-size: 14px;
}


.mobile-input::placeholder {

    color: #9ca3af;
}


/* =========================================================
   CONSENT
========================================================= */

.consent-box {

    padding: 14px;

    border-radius: 11px;

    background: #f1f5f9;

    border: 1px solid #e5e7eb;
}


.consent-box .form-check {

    display: flex;

    align-items: flex-start;

    gap: 10px;

    padding-left: 0;
}


.consent-box .form-check-input {

    position: relative;

    float: none;

    flex: 0 0 auto;

    margin: 3px 0 0;

    width: 17px;

    height: 17px;

    cursor: pointer;
}


.consent-box .form-check-label {

    color: #64748b;

    font-size: 11.5px;

    line-height: 1.65;

    text-align: justify;

    cursor: pointer;
}


.consent-box strong {

    color: #334155;
}


.consent-box a {

    color: #1d4ed8;

    font-weight: 600;

    text-decoration: none;
}


.consent-box a:hover {

    text-decoration: underline;
}


/* =========================================================
   APPLY BUTTON
========================================================= */

.btn-apply {

    height: 53px;

    border: 0;

    border-radius: 11px;

    background:
        linear-gradient(
            135deg,
            #2563eb,
            #1d4ed8
        );

    font-size: 14px;

    font-weight: 600;

    letter-spacing: .2px;

    box-shadow:
        0 8px 20px rgba(37,99,235,.22);

    transition: .25s ease;
}


.btn-apply:hover {

    transform: translateY(-2px);

    box-shadow:
        0 12px 25px rgba(37,99,235,.28);
}


/* =========================================================
   SECURE NOTICE
========================================================= */

.secure-notice {

    display: flex;

    align-items: center;

    justify-content: center;

    gap: 7px;

    margin-top: 18px;

    color: #94a3b8;

    font-size: 11px;
}


.secure-notice i {

    color: #16a34a;
}


/* =========================================================
   ERROR
========================================================= */

.error {

    color: #dc2626;

    font-size: 11px;

    margin-top: 5px;
}


/* =========================================================
   TABLET
========================================================= */

@media (max-width: 991.98px) {

    .journey-header {

        min-height: auto;

        padding-top: 35px !important;

        padding-bottom: 35px !important;
    }


    .loan-split-wrapper {

        grid-template-columns: 1fr;
    }


    .loan-info-panel {

        padding: 45px 40px;
    }


    .loan-form-panel {

        padding: 45px 40px;
    }

}


/* =========================================================
   MOBILE
   LEFT PANEL COMPLETELY HIDDEN
========================================================= */

@media (max-width: 575.98px) {

    .journey-header {

        min-height: 100vh;

        padding-top: 15px !important;

        padding-bottom: 15px !important;

        display: flex;

        align-items: center;
    }


    /* Hide left section completely */

    .loan-info-panel {

        display: none !important;
    }


    /* Form becomes full width */

    .loan-split-wrapper {

        display: block;

        width: 100%;

        min-height: auto;

        border-radius: 18px;

        border: 0;

        background: transparent;

        box-shadow: none;

    }


    .loan-form-panel {

        width: 100%;

        padding: 30px 20px;

        border-radius: 18px;

        background: #f8fafc;

    }


    .loan-form-card {

        width: 100%;

        max-width: 100%;
    }


    .loan-form-header {

        margin-bottom: 25px;
    }


    .loan-form-header h2 {

        font-size: 21px;
    }


    .loan-form-header p {

        font-size: 12px;
    }


    .form-icon {

        width: 48px;

        height: 48px;

        flex-basis: 48px;

        font-size: 18px;
    }


    .consent-box {

        padding: 12px;
    }


    .consent-box .form-check-label {

        font-size: 11px;

        line-height: 1.55;
    }


    .btn-apply {

        height: 51px;
    }

}