/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
    line-height: 1.6;
    color: #333;
    background-color: #ffffff;
}

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

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-weight: 600;
    line-height: 1.2;
    margin-bottom: 1rem;
}

h1 {
    font-size: 2.5rem;
}

h2 {
    font-size: 2rem;
}

h3 {
    font-size: 1.5rem;
}

p {
    margin-bottom: 1rem;
}

a {
    text-decoration: none;
    color: inherit;
    transition: color 0.3s ease;
}

/* Header Styles */
.header {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 1rem 0;
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.1);
    transition: all 0.3s ease;
}

.header.scrolled {
    background: rgba(255, 255, 255, 0.98);
    padding: 0.5rem 0;
}

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

.logo h2 {
    color: #2563eb;
    font-size: 1.5rem;
    margin: 0;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.logo i {
    font-size: 1.8rem;
}

.nav-list {
    display: flex;
    list-style: none;
    gap: 2rem;
    align-items: center;
}

.nav-link {
    font-weight: 500;
    color: #374151;
    position: relative;
    transition: color 0.3s ease;
}

.nav-link:hover,
.nav-link.active {
    color: #2563eb;
}

.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    right: 0;
    height: 2px;
    background: #2563eb;
    border-radius: 1px;
}

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 3px;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background: #374151;
    border-radius: 2px;
    transition: all 0.3s ease;
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    padding: 120px 0 80px;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><defs><pattern id="grain" width="100" height="100" patternUnits="userSpaceOnUse"><circle cx="50" cy="50" r="1" fill="white" opacity="0.05"/></pattern></defs><rect width="100" height="100" fill="url(%23grain)"/></svg>');
    opacity: 0.3;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-title {
    font-size: 3.5rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
    line-height: 1.1;
}

.hero-subtitle {
    font-size: 1.25rem;
    margin-bottom: 2rem;
    opacity: 0.9;
}

.hero-disclaimer {
    background: rgba(255, 255, 255, 0.1);
    padding: 1rem;
    border-radius: 8px;
    margin-bottom: 2rem;
    border-left: 4px solid #fbbf24;
}

.hero-cta {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

.hero-image img {
    width: 100%;
    height: 400px;
    object-fit: cover;
    border-radius: 12px;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.2);
}

/* Button Styles */
.btn {
    display: inline-block;
    padding: 12px 24px;
    border-radius: 8px;
    font-weight: 600;
    text-align: center;
    cursor: pointer;
    border: none;
    transition: all 0.3s ease;
    text-decoration: none;
    line-height: 1;
}

.btn-primary {
    background: #2563eb;
    color: white;
}

.btn-primary:hover {
    background: #1d4ed8;
    transform: translateY(-2px);
    box-shadow: 0 10px 20px rgba(37, 99, 235, 0.3);
}

.btn-secondary {
    background: #f59e0b;
    color: white;
}

.btn-secondary:hover {
    background: #d97706;
    transform: translateY(-2px);
    box-shadow: 0 10px 20px rgba(245, 158, 11, 0.3);
}

.btn-outline-light {
    background: transparent;
    color: white;
    border: 2px solid white;
}

.btn-outline-light:hover {
    background: white;
    color: #2563eb;
}

.btn-large {
    padding: 16px 32px;
    font-size: 1.1rem;
}

.btn-full {
    width: 100%;
}

/* Section Styles */
.section {
    padding: 80px 0;
}

.bg-light {
    background: #f8fafc;
}

.bg-primary {
    background: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%);
    color: white;
}

.section-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 4rem;
}

.section-title {
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.section-subtitle {
    font-size: 1.2rem;
    color: #6b7280;
}

.text-white .section-subtitle {
    color: rgba(255, 255, 255, 0.8);
}

.text-center {
    text-align: center;
}

/* How It Works */
.steps-container {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 3rem;
}

.step {
    text-align: center;
    position: relative;
}

.step-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, #2563eb, #1d4ed8);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
    font-size: 2rem;
    box-shadow: 0 10px 30px rgba(37, 99, 235, 0.3);
}

.step-content h3 {
    font-size: 1.5rem;
    margin-bottom: 1rem;
    color: #1f2937;
}

.step-content p {
    color: #6b7280;
}

/* Features Grid */
.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.feature-card {
    background: white;
    padding: 2rem;
    border-radius: 12px;
    text-align: center;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.15);
}

.feature-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, #f59e0b, #d97706);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
    font-size: 1.5rem;
}

.feature-card h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: #1f2937;
}

.feature-card p {
    color: #6b7280;
}

/* Loan Types */
.loan-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.loan-card {
    background: white;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.loan-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.15);
}

.loan-image img {
    width: 100%;
    height: 200px;
    object-fit: cover;
}

.loan-content {
    padding: 1.5rem;
}

.loan-content h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: #1f2937;
}

.loan-content p {
    color: #6b7280;
    margin-bottom: 1rem;
}

.loan-content ul {
    list-style: none;
    padding: 0;
}

.loan-content li {
    color: #6b7280;
    margin-bottom: 0.5rem;
    position: relative;
    padding-left: 1.5rem;
}

.loan-content li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: #10b981;
    font-weight: bold;
}

/* Form Styles */
.application-form-container {
    max-width: 800px;
    margin: 0 auto;
}

.application-form {
    background: white;
    padding: 3rem;
    border-radius: 12px;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.1);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: #374151;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid #e5e7eb;
    border-radius: 8px;
    font-size: 1rem;
    transition: border-color 0.3s ease;
    background: white;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: #2563eb;
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.form-disclaimer {
    background: #f3f4f6;
    padding: 1rem;
    border-radius: 8px;
    margin-bottom: 2rem;
    border-left: 4px solid #f59e0b;
}

.form-disclaimer p {
    margin: 0;
    font-size: 0.9rem;
    color: #4b5563;
}

/* About Section */
.about-content {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 4rem;
    align-items: start;
}

.about-image img {
    width: 100%;
    height: 400px;
    object-fit: cover;
    border-radius: 12px;
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.1);
}

/* FAQ Section */
.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: white;
    border-radius: 8px;
    margin-bottom: 1rem;
    overflow: hidden;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
}

.faq-question {
    padding: 1.5rem;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: white;
    border: none;
    width: 100%;
    text-align: left;
    font-weight: 600;
    color: #1f2937;
    transition: background-color 0.3s ease;
}

.faq-question:hover {
    background: #f9fafb;
}

.faq-question h3 {
    margin: 0;
    font-size: 1.1rem;
}

.faq-question i {
    transition: transform 0.3s ease;
    color: #2563eb;
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    padding: 0 1.5rem;
    max-height: 0;
    overflow: hidden;
    transition: all 0.3s ease;
    background: #f9fafb;
}

.faq-item.active .faq-answer {
    padding: 1.5rem;
    max-height: 500px;
}

.faq-answer p {
    color: #6b7280;
    margin-bottom: 1rem;
}

.faq-answer ul {
    margin-left: 1.5rem;
    color: #6b7280;
}

.faq-answer li {
    margin-bottom: 0.5rem;
}

.faq-cta {
    text-align: center;
    margin-top: 3rem;
}

/* Footer */
.footer {
    background: #1f2937;
    color: white;
    padding: 3rem 0 1rem;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 2rem;
}

.footer-section h4 {
    margin-bottom: 1rem;
    color: #f9fafb;
}

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

.footer-section li {
    margin-bottom: 0.5rem;
}

.footer-section a {
    color: #d1d5db;
    transition: color 0.3s ease;
}

.footer-section a:hover {
    color: #2563eb;
}

.footer-logo h3 {
    color: #2563eb;
    margin-bottom: 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.footer-logo p {
    color: #d1d5db;
}

.contact-info p {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 0.5rem;
    color: #d1d5db;
}

.social-links {
    display: flex;
    gap: 1rem;
    margin-top: 1rem;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: #374151;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    transition: background-color 0.3s ease;
}

.social-links a:hover {
    background: #2563eb;
}

.footer-bottom {
    border-top: 1px solid #374151;
    padding-top: 2rem;
    text-align: center;
}

.footer-disclaimer {
    background: rgba(245, 158, 11, 0.1);
    padding: 1rem;
    border-radius: 8px;
    margin-bottom: 1rem;
    border-left: 4px solid #f59e0b;
}

.footer-disclaimer p {
    margin: 0;
    font-size: 0.9rem;
    color: #d1d5db;
}

.footer-copyright {
    color: #9ca3af;
    font-size: 0.9rem;
}

/* Page Header */
.page-header {
    background: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%);
    color: white;
    padding: 120px 0 60px;
    text-align: center;
}

.page-header h1 {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.page-header p {
    font-size: 1.2rem;
    opacity: 0.9;
}

/* About Detailed */
.about-detailed .about-content {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 4rem;
}

.important-disclosure {
    background: #fef3c7;
    padding: 2rem;
    border-radius: 12px;
    border-left: 4px solid #f59e0b;
    margin: 2rem 0;
}

.important-disclosure h3 {
    color: #92400e;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 1rem;
}

.important-disclosure p {
    color: #92400e;
    margin: 0;
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 2rem;
    margin: 2rem 0;
}

.value-item {
    text-align: center;
    padding: 1.5rem;
    background: #f8fafc;
    border-radius: 8px;
}

.value-item i {
    font-size: 2rem;
    color: #2563eb;
    margin-bottom: 1rem;
}

.value-item h4 {
    margin-bottom: 0.5rem;
    color: #1f2937;
}

.value-item p {
    color: #6b7280;
    font-size: 0.9rem;
}

.help-list {
    list-style: none;
    padding: 0;
}

.help-list li {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 0.5rem;
    color: #4b5563;
}

.help-list i {
    color: #10b981;
}

.sidebar-card {
    background: #f8fafc;
    padding: 2rem;
    border-radius: 12px;
    margin-bottom: 2rem;
    border-left: 4px solid #2563eb;
}

.sidebar-card h3 {
    margin-bottom: 1rem;
    color: #1f2937;
}

.sidebar-card ul {
    list-style: none;
    padding: 0;
}

.sidebar-card li {
    margin-bottom: 0.5rem;
    color: #4b5563;
}

/* Detailed Process */
.process-timeline {
    max-width: 800px;
    margin: 0 auto;
}

.timeline-item {
    display: flex;
    gap: 2rem;
    margin-bottom: 3rem;
    padding-bottom: 3rem;
    border-bottom: 1px solid #e5e7eb;
}

.timeline-item:last-child {
    border-bottom: none;
}

.timeline-icon {
    flex-shrink: 0;
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, #2563eb, #1d4ed8);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 2rem;
    box-shadow: 0 10px 30px rgba(37, 99, 235, 0.3);
}

.timeline-content h3 {
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
    color: #1f2937;
}

.timeline-content h4 {
    font-size: 1.1rem;
    margin-bottom: 1rem;
    color: #2563eb;
}

.timeline-content p {
    color: #6b7280;
    margin-bottom: 1rem;
}

.timeline-content ul {
    color: #6b7280;
    margin-left: 1.5rem;
    margin-bottom: 1rem;
}

.timeline-content li {
    margin-bottom: 0.5rem;
}

/* Important Info */
.info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.info-card {
    background: white;
    padding: 2rem;
    border-radius: 12px;
    text-align: center;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
}

.info-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, #f59e0b, #d97706);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
    font-size: 1.5rem;
}

.info-card h3 {
    margin-bottom: 1rem;
    color: #1f2937;
}

.info-card p {
    color: #6b7280;
}

/* Ready to Start */
.cta-content {
    text-align: center;
}

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 1rem;
    flex-wrap: wrap;
    margin-top: 2rem;
}

/* FAQ Detailed */
.faq-categories {
    max-width: 900px;
    margin: 0 auto;
}

.faq-category {
    margin-bottom: 3rem;
}

.faq-category h2 {
    font-size: 1.8rem;
    margin-bottom: 2rem;
    color: #1f2937;
    border-bottom: 2px solid #e5e7eb;
    padding-bottom: 0.5rem;
}

.faq-contact {
    text-align: center;
    margin-top: 4rem;
}

.contact-card {
    background: linear-gradient(135deg, #2563eb, #1d4ed8);
    color: white;
    padding: 3rem;
    border-radius: 12px;
    max-width: 400px;
    margin: 0 auto;
}

.contact-card h3 {
    margin-bottom: 1rem;
}

.contact-card p {
    margin-bottom: 2rem;
    opacity: 0.9;
}

/* Contact Detailed */
.contact-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}

.contact-methods {
    margin: 2rem 0;
}

.contact-method {
    display: flex;
    gap: 1rem;
    margin-bottom: 2rem;
    padding: 1.5rem;
    background: #f8fafc;
    border-radius: 8px;
}

.contact-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #2563eb, #1d4ed8);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.2rem;
    flex-shrink: 0;
}

.contact-details h3 {
    margin-bottom: 0.5rem;
    color: #1f2937;
}

.contact-details p {
    margin-bottom: 0.25rem;
    color: #2563eb;
    font-weight: 600;
}

.contact-details span {
    color: #6b7280;
    font-size: 0.9rem;
}

.important-note {
    background: #fef3c7;
    padding: 1.5rem;
    border-radius: 8px;
    border-left: 4px solid #f59e0b;
    margin-top: 2rem;
}

.important-note h4 {
    color: #92400e;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 1rem;
}

.important-note p {
    color: #92400e;
    margin: 0;
}

.contact-form {
    background: white;
    padding: 2rem;
    border-radius: 12px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.contact-form h3 {
    margin-bottom: 2rem;
    color: #1f2937;
}

/* Legal Content */
.legal-document {
    max-width: 800px;
    margin: 0 auto;
    line-height: 1.8;
}

.legal-intro {
    background: #f8fafc;
    padding: 2rem;
    border-radius: 12px;
    margin-bottom: 3rem;
    border-left: 4px solid #2563eb;
}

.legal-section {
    margin-bottom: 3rem;
}

.legal-section h2 {
    color: #1f2937;
    font-size: 1.5rem;
    margin-bottom: 1.5rem;
    border-bottom: 2px solid #e5e7eb;
    padding-bottom: 0.5rem;
}

.legal-section h3 {
    color: #2563eb;
    font-size: 1.2rem;
    margin-bottom: 1rem;
    margin-top: 2rem;
}

.legal-section ul {
    margin-left: 1.5rem;
    margin-bottom: 1rem;
}

.legal-section li {
    margin-bottom: 0.5rem;
    color: #4b5563;
}

.contact-details {
    background: #f8fafc;
    padding: 1.5rem;
    border-radius: 8px;
    margin: 1rem 0;
}

.legal-disclaimer {
    background: #fef3c7;
    padding: 2rem;
    border-radius: 12px;
    border-left: 4px solid #f59e0b;
    margin-top: 3rem;
}

.legal-disclaimer p {
    color: #92400e;
    margin: 0;
    font-weight: 600;
}

/* Disclaimer Specific */
.important-notice {
    background: #fef2f2;
    border: 2px solid #fecaca;
    border-radius: 12px;
    padding: 2rem;
    margin-bottom: 3rem;
    display: flex;
    gap: 1rem;
}

.notice-icon {
    flex-shrink: 0;
    width: 60px;
    height: 60px;
    background: #dc2626;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
}

.notice-content h2 {
    color: #dc2626;
    margin-bottom: 1rem;
    font-size: 1.5rem;
}

.notice-content p {
    color: #7f1d1d;
    margin: 0;
    font-weight: 600;
}

/* Responsive Design */
@media (max-width: 768px) {
    .hamburger {
        display: flex;
    }
    
    .nav {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: white;
        box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
        padding: 1rem;
    }
    
    .nav.active {
        display: block;
    }
    
    .nav-list {
        flex-direction: column;
        gap: 1rem;
    }
    
    .hero-title {
        font-size: 2.5rem;
    }
    
    .hero-content {
        grid-template-columns: 1fr;
        gap: 2rem;
        text-align: center;
    }
    
    .steps-container {
        grid-template-columns: 1fr;
    }
    
    .features-grid {
        grid-template-columns: 1fr;
    }
    
    .loan-types-grid {
        grid-template-columns: 1fr;
    }
    
    .form-row {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
    
    .about-content,
    .contact-content {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .footer-content {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .timeline-item {
        flex-direction: column;
        text-align: center;
    }
    
    .info-grid {
        grid-template-columns: 1fr;
    }
    
    .cta-buttons {
        flex-direction: column;
        align-items: center;
    }
    
    .important-notice {
        flex-direction: column;
        text-align: center;
    }
    
    .page-header h1 {
        font-size: 2rem;
    }
    
    .section-title {
        font-size: 2rem;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 15px;
    }
    
    .hero-title {
        font-size: 2rem;
    }
    
    .hero-subtitle {
        font-size: 1.1rem;
    }
    
    .application-form {
        padding: 2rem 1.5rem;
    }
    
    .btn-large {
        padding: 14px 24px;
        font-size: 1rem;
    }
    
    .section {
        padding: 60px 0;
    }
}