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

:root {
  --navy: #1e2d3d;
  --navy2: #2d3e50;
  --steel: #4a6278;
  --white: #ffffff;
  --off-white: #f4f7f9;
  --pale-blue: #deeaf1;
  --gray-200: #c9d8e3;
  --muted: #64788a;
  --body: #1e2d3d;
  --accent: #5b8fa8;
  --accent-light: #a8c4d4;
  --font: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

body { font-family: var(--font); color: var(--body); background: var(--white); line-height: 1.6; }

a { text-decoration: none; color: inherit; }

/* NAV */
nav {
  background: var(--navy2);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 48px;
  height: 64px;
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.nav-logo-icon {
  width: 32px;
  height: 32px;
  background: var(--accent);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 16px;
  color: white;
}

.nav-links {
  display: flex;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  color: var(--accent-light);
  font-size: 14px;
  font-weight: 500;
  transition: color 0.2s;
}

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

.btn {
  display: inline-block;
  padding: 10px 20px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: opacity 0.2s, transform 0.1s;
  border: none;
  font-family: var(--font);
}

.btn:hover { opacity: 0.9; transform: translateY(-1px); }

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

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(168,196,212,0.4);
}

.btn-outline:hover { border-color: var(--accent-light); }

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

/* HERO */
.hero {
  background: var(--navy2);
  padding: 80px 48px 60px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  min-height: 520px;
}

.hero-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent-light);
  margin-bottom: 20px;
}

.hero h1 {
  font-size: 48px;
  font-weight: 800;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 20px;
}

.hero h1 span { color: var(--accent-light); }

.hero p {
  color: var(--accent-light);
  font-size: 15px;
  margin-bottom: 32px;
  max-width: 400px;
}

.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; }

.hero-right {}

.stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
}

.stat-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(168,196,212,0.15);
  border-radius: 10px;
  padding: 16px 20px;
}

.stat-label {
  font-size: 11px;
  color: var(--accent-light);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 4px;
}

.stat-value {
  font-size: 22px;
  font-weight: 800;
  color: var(--white);
}

.stat-sub {
  font-size: 12px;
  color: rgba(255,255,255,0.75);
  margin-top: 2px;
}

.loan-chips-label {
  font-size: 11px;
  color: var(--muted);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 10px;
  font-weight: 600;
}

.loan-chips { display: flex; gap: 8px; flex-wrap: wrap; }

.chip {
  background: rgba(91,143,168,0.15);
  border: 1px solid rgba(168,196,212,0.25);
  border-radius: 20px;
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 600;
  color: var(--accent-light);
}

/* TRUST BAR */
.trust-bar {
  background: var(--navy);
  padding: 16px 48px;
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  border-top: 1px solid rgba(168,196,212,0.1);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--muted);
  font-weight: 500;
}

.trust-item::before {
  content: '✓';
  color: var(--accent-light);
  font-weight: 700;
}

/* SECTIONS */
.section { padding: 80px 48px; }
.section-dark { background: var(--navy2); }
.section-pale { background: var(--pale-blue); }
.section-offwhite { background: var(--off-white); }

.section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}

.section-label-light { color: var(--accent-light); }

.section h2 {
  font-size: 36px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.2;
}

.section-dark h2 { color: var(--white); }

.section-sub {
  font-size: 15px;
  color: var(--muted);
  max-width: 560px;
  margin-bottom: 48px;
}

.section-dark .section-sub { color: var(--accent-light); }

/* CARDS GRID */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}

.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 28px 24px;
}

.card-dark {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(168,196,212,0.12);
}

.card-icon {
  width: 36px;
  height: 36px;
  background: var(--pale-blue);
  border-radius: 8px;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
}

.card-dark .card-icon { background: rgba(168,196,212,0.1); }

.card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.card-dark h3 { color: var(--white); }

.card p {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.6;
}

.card-dark p { color: var(--accent-light); }

/* LOAN PRODUCT CARDS */
.loan-card {
  background: rgba(15,25,36,0.60);
  border: 1px solid rgba(168,196,212,0.15);
  border-radius: 12px;
  padding: 28px 24px;
}

.loan-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}

.loan-card .loan-desc {
  font-size: 13px;
  color: rgba(255,255,255,0.8);
  margin-bottom: 20px;
  line-height: 1.6;
}

.loan-specs { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 16px; }

.loan-spec-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 2px;
}

.loan-spec-value {
  font-size: 15px;
  font-weight: 700;
  color: var(--white);
}

.loan-features { list-style: none; display: flex; flex-direction: column; gap: 6px; }

.loan-features li {
  font-size: 12px;
  color: var(--accent-light);
  display: flex;
  align-items: center;
  gap: 8px;
}

.loan-features li::before {
  content: '✓';
  color: var(--accent-light);
  font-weight: 700;
  font-size: 11px;
}

/* HOW IT WORKS */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 32px;
}

.step { text-align: center; }

.step-num {
  width: 52px;
  height: 52px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 800;
  color: white;
  margin: 0 auto 20px;
}

.step h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.step p {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.6;
}

/* OUR APPROACH */
.approach-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.approach-left h2 { font-size: 32px; font-weight: 800; color: var(--navy); margin-bottom: 16px; }

.approach-left p { font-size: 14px; color: var(--muted); line-height: 1.7; }

.approach-features { display: flex; flex-direction: column; gap: 24px; }

.approach-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.approach-feature-icon {
  width: 20px;
  height: 20px;
  background: var(--pale-blue);
  border: 1px solid var(--gray-200);
  border-radius: 4px;
  margin-top: 2px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  color: var(--accent);
}

.approach-feature h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.approach-feature p { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* FORM SECTION */
.form-section {
  background: var(--navy2);
  padding: 80px 48px;
}

.form-section .section-label { color: var(--accent-light); }
.form-section h2 { color: var(--white); font-size: 36px; font-weight: 800; margin-bottom: 8px; }
.form-section .form-sub { color: var(--accent-light); font-size: 14px; margin-bottom: 40px; }

.deal-form {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  max-width: 900px;
}

.form-group { display: flex; flex-direction: column; gap: 6px; }

.form-group label {
  font-size: 12px;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.form-group input,
.form-group select {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(168,196,212,0.2);
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 14px;
  color: var(--white);
  font-family: var(--font);
  outline: none;
  transition: border-color 0.2s;
}

.form-group input::placeholder { color: var(--muted); }
.form-group select option { background: var(--navy2); color: var(--white); }

.form-group input:focus,
.form-group select:focus { border-color: var(--accent); }

.form-submit-row {
  grid-column: 1 / -1;
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.form-note {
  font-size: 12px;
  color: var(--muted);
  line-height: 1.5;
  max-width: 500px;
}

/* BACKGROUND IMAGE SECTIONS */
.bg-img {
  position: relative;
  overflow: hidden;
}
.bg-img::before {
  content: '';
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.07;
  z-index: 0;
  pointer-events: none;
}
.bg-img > * { position: relative; z-index: 1; }

.bg-hero::before {
  background-image: url('https://images.unsplash.com/photo-1486325212027-8081e485255e?auto=format&fit=crop&w=1920&q=80');
}
.bg-loans::before {
  background-image: url('https://images.unsplash.com/photo-1504307651254-35680f356dfd?auto=format&fit=crop&w=1920&q=80');
  opacity: 0.09;
}
.bg-howitworks::before {
  background-image: url('https://images.unsplash.com/photo-1568605114967-8130f3a36994?auto=format&fit=crop&w=1920&q=80');
}
.bg-cta::before {
  background-image: url('https://images.unsplash.com/photo-1570129477492-45c003edd2be?auto=format&fit=crop&w=1920&q=80');
}

/* FOOTER */
footer {
  background: var(--navy);
  padding: 32px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-top: 1px solid rgba(168,196,212,0.08);
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

footer p { font-size: 12px; color: var(--muted); }

/* PAGE HEADER */
.page-header {
  background: var(--navy2);
  padding: 60px 48px;
}

.page-header h1 { font-size: 40px; font-weight: 800; color: var(--white); margin-bottom: 12px; }
.page-header p { font-size: 15px; color: var(--accent-light); max-width: 520px; }

/* CALCULATOR */
.calc-container {
  max-width: 560px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 16px;
  padding: 40px;
  box-shadow: 0 4px 24px rgba(30,45,61,0.08);
}

.calc-group { margin-bottom: 24px; }

.calc-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

.calc-group input {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 15px;
  font-family: var(--font);
  color: var(--navy);
  outline: none;
  transition: border-color 0.2s;
}

.calc-group input:focus { border-color: var(--accent); }

.calc-result {
  background: var(--navy2);
  border-radius: 10px;
  padding: 24px;
  margin-top: 8px;
  text-align: center;
}

.calc-result-label { font-size: 12px; color: var(--accent-light); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 8px; }

.calc-result-value { font-size: 40px; font-weight: 800; color: var(--white); }

.calc-result-sub { font-size: 13px; color: var(--muted); margin-top: 6px; }

/* RESPONSIVE */
@media (max-width: 768px) {
  nav { padding: 0 20px; }
  .nav-links { display: none; }
  .hero { grid-template-columns: 1fr; padding: 48px 20px; }
  .hero h1 { font-size: 32px; }
  .section { padding: 60px 20px; }
  .approach-grid { grid-template-columns: 1fr; gap: 40px; }
  .deal-form { grid-template-columns: 1fr; }
  .trust-bar { padding: 16px 20px; gap: 16px; }
  footer { flex-direction: column; gap: 12px; text-align: center; padding: 24px 20px; }
  .form-section { padding: 60px 20px; }
  .page-header { padding: 40px 20px; }
}