:root {
    --primary-color: #0056b3;
    --secondary-color: #00a8cc;
    --accent-color: #ffa502;
    --text-dark: #333;
    --text-light: #666;
    --white: #ffffff;
    --light-bg: #f4f7f6;
    --shadow: 0 4px 6px rgba(0,0,0,0.1);
    --radius: 8px;
}

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

body {
    font-family: 'Roboto', sans-serif;
    color: var(--text-dark);
    line-height: 1.6;
    background-color: var(--light-bg);
}

.container {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Navigation */
.navbar {
    background: var(--white);
    box-shadow: var(--shadow);
    position: sticky;
    top: 0;
    z-index: 100;
    height: 70px;
    display: flex;
    align-items: center;
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

.logo {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
}

.highlight {
    color: var(--secondary-color);
}

.nav-menu {
    display: flex;
    list-style: none;
    align-items: center;
    gap: 20px;
}

.nav-link {
    text-decoration: none;
    color: var(--text-dark);
    font-weight: 500;
    transition: color 0.3s;
}

.nav-link:hover, .nav-link.active {
    color: var(--primary-color);
}

.nav-link-btn {
    color: var(--white) !important;
}

.menu-toggle {
    display: none;
    cursor: pointer;
}

.bar {
    display: block;
    width: 25px;
    height: 3px;
    margin: 5px auto;
    transition: all 0.3s ease-in-out;
    background-color: var(--text-dark);
}

/* Page Headers */
.page-header {
    background: linear-gradient(135deg, var(--primary-color), #003d80);
    color: var(--white);
    padding: 60px 0;
    text-align: center;
    margin-bottom: 40px;
}

.page-header h1 {
    font-size: 2.5rem;
    margin-bottom: 10px;
}

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

/* Process Section (Home) */
.process-steps {
    display: flex;
    justify-content: space-around;
    flex-wrap: wrap;
    gap: 30px;
    margin-top: 50px;
    text-align: center;
}

.step {
    flex: 1;
    min-width: 220px;
    padding: 20px;
}

.step-number {
    width: 60px;
    height: 60px;
    background: var(--secondary-color);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: bold;
    margin: 0 auto 20px;
    box-shadow: 0 4px 10px rgba(0,168,204, 0.4);
}

.step h3 {
    margin-bottom: 10px;
    color: var(--primary-color);
}

/* FAQ (Services) */
details {
    background: var(--white);
    margin-bottom: 15px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    overflow: hidden;
}

summary {
    cursor: pointer;
    font-weight: bold;
    padding: 20px;
    list-style: none;
    position: relative;
    color: var(--text-dark);
    font-size: 1.1rem;
}

summary::-webkit-details-marker {
    display: none;
}

summary::after {
    content: '+';
    position: absolute;
    right: 20px;
    font-weight: bold;
    color: var(--secondary-color);
    font-size: 1.5rem;
    top: 50%;
    transform: translateY(-50%);
}

details[open] summary::after {
    content: '-';
}

details p {
    padding: 15px 20px 20px;
    color: var(--text-light);
    border-top: 1px solid #eee;
}

/* Values (About) */
.values-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
    margin-top: 40px;
}

.value-card {
    background: var(--white);
    padding: 30px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    text-align: center;
    border-top: 4px solid var(--primary-color);
}

.value-card i {
    font-size: 2.5rem;
    color: var(--primary-color);
    margin-bottom: 20px;
}

/* Requirements List (Apply) */
.requirements-list {
    list-style: none;
}

.requirements-list li {
    margin-bottom: 15px;
    padding-left: 30px;
    position: relative;
}

.requirements-list li::before {
    content: '\f058';
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    color: #2ecc71;
    position: absolute;
    left: 0;
    top: 2px;
}

.requirements-box {
    background: var(--white);
    padding: 30px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    height: fit-content;
}

/* Background Utilities */
.bg-light {
    background-color: #f8f9fa;
}

/* Buttons */
.btn-primary {
    background-color: var(--primary-color);
    color: var(--white);
    padding: 10px 20px;
    border: none;
    border-radius: var(--radius);
    cursor: pointer;
    font-size: 1rem;
    transition: background 0.3s;
    text-decoration: none;
    display: inline-block;
}

.btn-primary:hover {
    background-color: #004494;
}

.btn-outline {
    background-color: transparent;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
    padding: 8px 16px;
    border-radius: var(--radius);
    cursor: pointer;
    font-weight: 500;
}

/* Hero Section */
.hero-section {
    background: linear-gradient(135deg, #e0f7fa 0%, #ffffff 100%);
    padding: 60px 0;
}

.hero-content {
    display: flex;
    align-items: center;
    gap: 40px;
    flex-direction: column-reverse; /* Mobile default */
}

@media (min-width: 768px) {
    .hero-content {
        flex-direction: row;
        text-align: left;
    }
}

.hero-text h1 {
    font-size: 2.5rem;
    margin-bottom: 20px;
    color: var(--primary-color);
}

.hero-text p {
    margin-bottom: 30px;
    color: var(--text-light);
    font-size: 1.1rem;
}

.hero-image img {
    width: 100%;
    max-width: 500px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

/* Features */
.features {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    margin-top: -30px;
    justify-content: center;
    position: relative;
    z-index: 2;
    margin-bottom: 60px;
}

.feature-box {
    background: var(--white);
    padding: 20px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    flex: 1;
    min-width: 250px;
    text-align: center;
}

.feature-box i {
    font-size: 2rem;
    color: var(--accent-color);
    margin-bottom: 10px;
}

/* Advantages Section */
.advantages-section {
    display: flex;
    flex-wrap: wrap;
    gap: 40px;
    align-items: center;
}

.advantages-text {
    flex: 1;
    min-width: 300px;
}

.advantages-img {
    flex: 1;
    min-width: 300px;
}

.advantages-img img {
    width: 100%;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.advantages-list {
    list-style: none;
    margin-top: 30px;
}

.advantages-list li {
    display: flex;
    gap: 15px;
    margin-bottom: 25px;
}

.advantages-list i {
    font-size: 1.5rem;
    color: var(--secondary-color);
    margin-top: 5px;
}

.advantages-list strong {
    font-size: 1.1rem;
    color: var(--primary-color);
    display: block;
    margin-bottom: 5px;
}

/* Testimonials */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-top: 30px;
}

.testimonial-card {
    background: var(--white);
    padding: 25px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    border-left: 4px solid var(--accent-color);
}

.client-info {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-bottom: 15px;
}

.client-info img {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid #eee;
}

.client-info h4 {
    margin: 0;
    color: var(--text-dark);
}

.client-info span {
    font-size: 0.9rem;
    color: var(--text-light);
}

.stars {
    color: #f1c40f;
    margin-top: 15px;
    font-size: 1.2rem;
}

/* Services */
.section-padding {
    padding: 60px 0;
}

.section-title {
    text-align: center;
    font-size: 2rem;
    margin-bottom: 10px;
    color: var(--text-dark);
}

.section-subtitle {
    text-align: center;
    color: var(--text-light);
    margin-bottom: 40px;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 30px;
}

.service-card {
    background: var(--white);
    padding: 30px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    text-align: center;
    transition: transform 0.3s;
}

.service-card:hover {
    transform: translateY(-5px);
}

.service-card img {
    width: 80px;
    height: 80px;
    margin-bottom: 20px;
    object-fit: contain;
}

/* About */
.about-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 40px;
    align-items: center;
}

@media (min-width: 768px) {
    .about-grid {
        grid-template-columns: 1fr 1fr;
    }
}

.about-image img {
    width: 100%;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.stats-list {
    list-style: none;
    margin-top: 20px;
}

.stats-list li {
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.stats-list li::before {
    content: "\f00c";
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    color: var(--secondary-color);
}

/* Form Section */
.form-wrapper {
    background: var(--white);
    padding: 30px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    max-width: 800px;
    margin: 0 auto;
}

.loan-calculator {
    background: #e1f5fe;
    padding: 20px;
    border-radius: var(--radius);
    margin-bottom: 30px;
    text-align: center;
    border: 1px solid #b3e5fc;
}

.calc-display {
    font-size: 1.2rem;
    margin: 15px 0;
    color: var(--primary-color);
    font-weight: bold;
}

.calc-display .amount {
    font-size: 2rem;
    display: block;
}

.form-row {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
}

.form-group {
    flex: 1;
    min-width: 250px;
    margin-bottom: 20px;
}

label {
    display: block;
    margin-bottom: 8px;
    font-weight: 500;
    color: var(--text-dark);
}

input, select {
    width: 100%;
    padding: 12px;
    border: 1px solid #ddd;
    border-radius: var(--radius);
    font-size: 1rem;
    transition: border 0.3s;
    background-color: var(--white);
}

input:focus, select:focus {
    border-color: var(--primary-color);
    outline: none;
}

input[type="range"] {
    margin-top: 10px;
    cursor: pointer;
}

.btn-submit {
    width: 100%;
    background-color: var(--secondary-color);
    color: white;
    padding: 15px;
    border: none;
    border-radius: var(--radius);
    font-size: 1.1rem;
    font-weight: bold;
    cursor: pointer;
    transition: background 0.3s;
}

.btn-submit:hover {
    background-color: #008ba3;
}

/* Enhanced Footer */
.site-footer {
    background: #1a1a1a;
    color: #f4f4f4;
    padding: 60px 0 20px;
    margin-top: 60px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
    text-align: left;
}

.footer-section h4 {
    color: var(--secondary-color);
    font-size: 1.2rem;
    margin-bottom: 20px;
}

.footer-section p {
    color: #bbb;
    margin-bottom: 15px;
}

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

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

.footer-section ul a {
    color: #bbb;
    text-decoration: none;
    transition: color 0.3s;
}

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

.footer-section p i {
    margin-right: 10px;
    color: var(--secondary-color);
}

.social-links {
    display: flex;
    gap: 15px;
    margin-top: 20px;
}

.social-links a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    background: #333;
    color: #fff;
    border-radius: 50%;
    text-decoration: none;
    transition: background 0.3s, transform 0.3s;
}

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

.footer-bottom {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid #333;
    color: #888;
}

/* WhatsApp Float Button */
.whatsapp-float {
    position: fixed;
    bottom: 30px;
    right: 30px;
    background-color: #25d366;
    color: white;
    width: 60px;
    height: 60px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 30px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    z-index: 1000;
    transition: transform 0.3s, box-shadow 0.3s;
    text-decoration: none;
}

.whatsapp-float:hover {
    transform: scale(1.1);
    box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);
}

.whatsapp-float i {
    color: white;
}

/* Mobile Nav */
@media (max-width: 768px) {
    .menu-toggle {
        display: block;
    }

    .nav-menu {
        position: fixed;
        left: -100%;
        top: 70px;
        flex-direction: column;
        background-color: var(--white);
        width: 100%;
        height: calc(100vh - 70px); /* 100vh minus header height */
        text-align: center;
        transition: 0.3s;
        box-shadow: var(--shadow);
        padding-top: 20px;
        gap: 0;
    }

    .nav-menu.active {
        left: 0;
    }

    .nav-item {
        margin: 20px 0;
        width: 100%;
    }
    
    .nav-link-btn {
        width: 80%;
        margin: 0 auto;
        display: block;
    }
}

/* Modal */
.modal {
    display: none; 
    position: fixed; 
    z-index: 200; 
    left: 0;
    top: 0;
    width: 100%; 
    height: 100%; 
    overflow: auto; 
    background-color: rgba(0,0,0,0.5); 
    align-items: center;
    justify-content: center;
}

.modal-content {
    background-color: #fefefe;
    padding: 30px;
    border-radius: var(--radius);
    text-align: center;
    max-width: 400px;
    width: 90%;
    position: relative;
    animation: zoomIn 0.3s;
}

@keyframes zoomIn {
    from {transform: scale(0.7); opacity: 0;}
    to {transform: scale(1); opacity: 1;}
}

.close-modal {
    position: absolute;
    top: 10px;
    right: 20px;
    font-size: 28px;
    font-weight: bold;
    cursor: pointer;
    color: #aaa;
}

.success-icon {
    font-size: 50px;
    color: #2ecc71;
    margin-bottom: 20px;
}