:root {
    --primary: #000000;
    --primary-dark: #111116;
    --secondary: #ffffff;
    --secondary-dark: #f1f5f9;
    --accent: #000000;
    --dark: #000000;
    --light: #ffffff;
    --gray: #475569;
    --white: #ffffff;
    --black: #000000;
    --shadow: 0 10px 30px rgba(0, 0, 0, 0.06);
    --shadow-hover: 0 18px 45px rgba(0, 0, 0, 0.12);
    --glass-bg: rgba(255, 255, 255, 0.85);
    --glass-border: 1px solid #e2e8f0;
    --glass-blur: blur(16px);
    --radius: 24px;
    --radius-sm: 16px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --border: #e2e8f0;
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Poppins', sans-serif;
    color: #000000;
    background: #ffffff;
    line-height: 1.6;
    overflow-x: hidden;
}

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

img {
    max-width: 100%;
    height: auto;
}

.container {
    width: 90%;
    max-width: 1200px;
    margin: 0 auto;
}

.section-header {
    text-align: center;
    margin-bottom: 3.5rem;
}

.section-header h2 {
    font-size: 2.4rem;
    font-weight: 800;
    margin-bottom: 0.75rem;
    color: #000000;
}

.section-header h2 span {
    color: #2563eb;
}

.section-header p {
    color: #475569;
    font-size: 1.05rem;
    max-width: 600px;
    margin: 0 auto;
}

/* Navbar */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.94);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border-bottom: 1px solid rgba(226, 232, 240, 0.8);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.03);
    transition: var(--transition);
}

.navbar .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 76px;
    max-width: 1280px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-weight: 800;
    font-size: 1.4rem;
    color: #0f172a;
    letter-spacing: -0.5px;
    transition: var(--transition);
}

.logo img {
    height: auto;
    max-height: 42px;
    object-fit: contain;
}

.logo-icon {
    width: 38px;
    height: 38px;
    background: linear-gradient(135deg, #0f172a, #2563eb);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    font-size: 1.1rem;
    box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    list-style: none;
    margin: 0;
    padding: 0;
}

.nav-links a {
    font-weight: 600;
    font-size: 0.9rem;
    color: #334155;
    padding: 0.45rem 0.85rem;
    border-radius: 8px;
    transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    display: inline-flex;
    align-items: center;
}

.nav-links a:hover {
    color: #2563eb;
    background: rgba(37, 99, 235, 0.06);
    transform: translateY(-1px);
}

.nav-cta {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.nav-cta .btn-outline.btn-sm {
    border: 1.5px solid #e2e8f0;
    background: #ffffff;
    color: #0f172a;
    padding: 0.5rem 1.1rem;
    border-radius: 50px;
    font-weight: 600;
    font-size: 0.85rem;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.02);
    transition: all 0.2s ease;
}

.nav-cta .btn-outline.btn-sm:hover {
    border-color: #6366f1;
    background: rgba(99, 102, 241, 0.05);
    color: #4f46e5;
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(99, 102, 241, 0.15);
}

.nav-cta .btn-primary.btn-sm {
    background: linear-gradient(135deg, #0f172a, #1e293b);
    color: #ffffff;
    padding: 0.55rem 1.35rem;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.85rem;
    box-shadow: 0 4px 14px rgba(15, 23, 42, 0.25);
    border: none;
    transition: all 0.2s ease;
}

.nav-cta .btn-primary.btn-sm:hover {
    background: linear-gradient(135deg, #1e293b, #334155);
    box-shadow: 0 6px 20px rgba(15, 23, 42, 0.35);
    transform: translateY(-2px);
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.85rem 1.75rem;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.95rem;
    border: none;
    cursor: pointer;
    transition: var(--transition);
}

.btn-primary {
    background: #000000;
    color: #ffffff;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
}

.btn-primary:hover {
    background: #1e293b;
    transform: translateY(-3px);
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.25);
}

.btn-secondary {
    background: #f1f5f9;
    color: #000000;
    border: 1px solid #cbd5e1;
}

.btn-secondary:hover {
    background: #e2e8f0;
    transform: translateY(-3px);
}

.btn-outline {
    background: transparent;
    color: #000000;
    border: 2px solid #000000;
}

.btn-outline:hover {
    background: #000000;
    color: #ffffff;
}

.btn-sm {
    padding: 0.65rem 1.25rem;
    font-size: 0.85rem;
}

section[id] {
    scroll-margin-top: 80px;
}

.btn-white {
    background: #ffffff;
    color: #000000;
}

.btn-white:hover {
    transform: translateY(-3px);
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    font-size: 1.5rem;
    color: #ffffff;
    cursor: pointer;
}

/* Hero */
.hero {
    padding: 140px 0 80px;
    background: #000000;
    position: relative;
    overflow: hidden;
}

.hero-shapes {
    position: absolute;
    inset: 0;
    pointer-events: none;
    overflow: hidden;
}

.hero-shapes .shape {
    position: absolute;
    border-radius: 50%;
    opacity: 0.2;
}

.hero-shapes .shape-1 {
    width: 400px;
    height: 400px;
    background: #333333;
    top: -100px;
    right: -100px;
    animation: float 8s ease-in-out infinite;
}

.hero-shapes .shape-2 {
    width: 250px;
    height: 250px;
    background: #666666;
    bottom: 10%;
    left: -80px;
    animation: float 10s ease-in-out infinite reverse;
}

.hero-shapes .shape-3 {
    width: 120px;
    height: 120px;
    border: 3px solid #808080;
    top: 30%;
    right: 15%;
    animation: rotate 20s linear infinite;
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-20px); }
}

@keyframes rotate {
    from { transform: rotate(0deg); }
    to { transform: rotate(360deg); }
}

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

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: #333333;
    color: #ffffff;
    padding: 0.5rem 1rem;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 1.25rem;
}

.hero h1 {
    font-size: 3.2rem;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 1.25rem;
    color: #ffffff;
}

.hero h1 span {
    color: #808080;
    position: relative;
}

.hero h1 .highlight {
    color: #cccccc;
}

.hero p {
    font-size: 1.1rem;
    color: #b0b0b0;
    margin-bottom: 2rem;
    max-width: 90%;
}

.hero-buttons {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    margin-bottom: 2.5rem;
}

.hero-stats {
    display: flex;
    gap: 2.5rem;
}

.hero-stat {
    text-align: left;
}

.hero-stat h3 {
    font-size: 2rem;
    font-weight: 800;
    color: #ffffff;
}

.hero-stat p {
    font-size: 0.9rem;
    color: #b0b0b0;
    margin: 0;
}

.hero-image {
    position: relative;
    display: flex;
    justify-content: center;
}

.hero-image-main {
    width: 100%;
    max-width: 500px;
    border-radius: 50%;
    aspect-ratio: 1;
    object-fit: cover;
    border: 8px solid #333333;
    box-shadow: var(--shadow-hover);
    position: relative;
    z-index: 2;
}

.hero-image-ring {
    position: absolute;
    inset: -20px;
    border: 3px dashed #666666;
    border-radius: 50%;
    animation: rotate 30s linear infinite;
}

.hero-float-card {
    position: absolute;
    background: #1a1a1a;
    padding: 1rem 1.25rem;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow);
    display: flex;
    align-items: center;
    gap: 0.75rem;
    z-index: 3;
    animation: float 6s ease-in-out infinite;
    border: 1px solid #333333;
}

.hero-float-card.card-1 {
    top: 10%;
    left: 0;
}

.hero-float-card.card-2 {
    bottom: 15%;
    right: 0;
    animation-delay: -3s;
}

.hero-float-card .icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #333333;
    color: #ffffff;
    font-size: 1.2rem;
}

.hero-float-card .text h4 {
    font-size: 0.9rem;
    font-weight: 700;
    color: #ffffff;
}

.hero-float-card .text p {
    font-size: 0.75rem;
    color: #b0b0b0;
    margin: 0;
}

/* Bank Partner Marquee Carousel */
.bank-carousel-section {
    padding: 3.5rem 0;
    background: #ffffff;
    border-top: 1px solid #e2e8f0;
    border-bottom: 1px solid #e2e8f0;
    overflow: hidden;
    position: relative;
}

.bank-carousel-header {
    text-align: center;
    margin-bottom: 2rem;
    padding: 0 1rem;
}

.bank-carousel-header h4 {
    font-size: 1.25rem;
    font-weight: 800;
    color: #000000;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 0.35rem;
}

.bank-carousel-header p {
    font-size: 0.9rem;
    color: #475569;
}

.bank-ticker-container {
    display: flex;
    overflow: hidden;
    user-select: none;
    mask-image: linear-gradient(to right, transparent, black 10%, black 90%, transparent);
    -webkit-mask-image: linear-gradient(to right, transparent, black 10%, black 90%, transparent);
}

.bank-ticker-track {
    flex-shrink: 0;
    display: flex;
    align-items: center;
    gap: 1.5rem;
    min-width: 100%;
    animation: scrollTicker 30s linear infinite;
}

.bank-ticker-container:hover .bank-ticker-track {
    animation-play-state: paused;
}

@keyframes scrollTicker {
    from {
        transform: translateX(0);
    }
    to {
        transform: translateX(-50%);
    }
}

.bank-card {
    display: flex;
    align-items: center;
    gap: 0.85rem;
    background: #ffffff;
    border: 1px solid #e2e8f0;
    padding: 0.85rem 1.5rem;
    border-radius: 50px;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.04);
    white-space: nowrap;
    transition: all 0.3s ease;
}

.bank-card:hover {
    border-color: #000000;
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.1);
}

.bank-card .b-icon {
    width: 38px;
    height: 38px;
    background: #000000;
    color: #ffffff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
}

.bank-card .b-info {
    display: flex;
    flex-direction: column;
}

.bank-card .b-name {
    font-weight: 700;
    font-size: 0.95rem;
    color: #000000;
}

.bank-card .b-rate {
    font-size: 0.75rem;
    color: #10b981;
    font-weight: 600;
}

/* Loans Section */
.loans {
    padding: 80px 0;
    background: #ffffff;
}

.loans-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 1.75rem;
}

.loan-card {
    background: #ffffff;
    border-radius: var(--radius);
    padding: 2rem;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    border: 1px solid #e2e8f0;
}

.loan-card.fade-in {
    transition-delay: var(--stagger-delay, 0s);
}

.loan-card.fade-in.visible {
    transition-delay: 0s;
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-hover);
}

.loan-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #ffffff, #808080);
    transform: scaleX(0);
    transition: var(--transition);
}

.loan-card:hover::before {
    transform: scaleX(1);
}

.loan-icon {
    width: 64px;
    height: 64px;
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    margin-bottom: 1.25rem;
    background: #333333;
    color: #ffffff;
}

.loan-card:nth-child(2) .loan-icon { background: #444444; }
.loan-card:nth-child(3) .loan-icon { background: #555555; }
.loan-card:nth-child(4) .loan-icon { background: #666666; }
.loan-card:nth-child(5) .loan-icon { background: #777777; }
.loan-card:nth-child(6) .loan-icon { background: #888888; }

.loan-card h3 {
    font-size: 1.3rem;
    font-weight: 800;
    margin-bottom: 0.5rem;
    color: #000000;
}

.loan-card p {
    color: #334155;
    font-size: 0.95rem;
    margin-bottom: 1.25rem;
}

.loan-rate {
    display: inline-block;
    background: #000000;
    color: #ffffff;
    padding: 0.4rem 0.9rem;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 700;
    margin-bottom: 1.25rem;
}

/* Process */
.process {
    padding: 80px 0;
    background: #f8fafc;
    border-top: 1px solid #e2e8f0;
    border-bottom: 1px solid #e2e8f0;
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 2rem;
    position: relative;
}

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

.step-number {
    width: 70px;
    height: 70px;
    border-radius: 50%;
    background: #000000;
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 800;
    margin: 0 auto 1.25rem;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.15);
}

.process-step h3 {
    font-size: 1.15rem;
    font-weight: 800;
    color: #000000;
    margin-bottom: 0.5rem;
}

.process-step p {
    color: #475569;
    font-size: 0.9rem;
}

/* Apply Section */
.apply {
    padding: 80px 0;
    background: #ffffff;
    position: relative;
    overflow: hidden;
}

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

.apply-content h2 {
    font-size: 2.5rem;
    font-weight: 800;
    color: #000000;
    margin-bottom: 1rem;
}

.apply-content p {
    color: #475569;
    font-size: 1.05rem;
    margin-bottom: 2rem;
}

.apply-features {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.apply-feature {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: #000000;
    font-weight: 600;
}

.apply-feature i {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: #000000;
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
}

.apply-form {
    background: #ffffff;
    padding: 2.5rem;
    border-radius: var(--radius);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.08);
    border: 1px solid #e2e8f0;
}

.apply-form h3 {
    font-size: 1.5rem;
    font-weight: 800;
    color: #000000;
    margin-bottom: 0.5rem;
}

.apply-form > p {
    color: #475569;
    margin-bottom: 1.75rem;
    font-size: 0.95rem;
}

.form-group {
    margin-bottom: 1.25rem;
}

.form-group label {
    display: block;
    font-weight: 700;
    font-size: 0.9rem;
    margin-bottom: 0.4rem;
    color: #000000;
}

.form-control {
    width: 100%;
    padding: 0.85rem 1rem;
    border: 1px solid #cbd5e1;
    border-radius: 12px;
    font-family: inherit;
    font-size: 0.95rem;
    transition: var(--transition);
    background: #ffffff;
    color: #000000;
    font-weight: 500;
}

.form-control:focus {
    outline: none;
    border-color: #000000;
    box-shadow: 0 0 0 4px rgba(0, 0, 0, 0.08);
}

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

.form-check {
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    margin-bottom: 1.25rem;
}

.form-check input {
    margin-top: 0.25rem;
    accent-color: #000000;
}

.form-check label {
    font-size: 0.85rem;
    color: #475569;
    line-height: 1.4;
}

/* Testimonials */
.testimonials {
    padding: 80px 0;
    background: #f8fafc;
    border-top: 1px solid #e2e8f0;
    border-bottom: 1px solid #e2e8f0;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 1.75rem;
}

.testimonial-card {
    background: #ffffff;
    padding: 2rem;
    border-radius: var(--radius);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.04);
    transition: var(--transition);
    border: 1px solid #e2e8f0;
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.08);
}

.testimonial-stars {
    color: #f59e0b;
    margin-bottom: 1rem;
}

.testimonial-card p {
    color: #334155;
    font-size: 0.95rem;
    margin-bottom: 1.25rem;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.testimonial-author .avatar {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: #000000;
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 1rem;
}

.testimonial-author h4 {
    font-size: 1rem;
    font-weight: 800;
    color: #000000;
}

.testimonial-author p {
    margin: 0;
    font-size: 0.8rem;
    font-style: normal;
    color: #64748b;
}

/* Contact */
.contact {
    padding: 80px 0;
    background: #ffffff;
}

.contact .container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.contact-info h2 {
    font-size: 2.2rem;
    font-weight: 800;
    margin-bottom: 1rem;
    color: #000000;
}

.contact-info > p {
    color: #475569;
    margin-bottom: 2rem;
}

.contact-items {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}

.contact-item .icon {
    width: 50px;
    height: 50px;
    border-radius: 14px;
    background: #000000;
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    flex-shrink: 0;
}

.contact-item h4 {
    font-size: 1rem;
    font-weight: 800;
    color: #000000;
    margin-bottom: 0.2rem;
}

.contact-item p {
    color: #475569;
    font-size: 0.9rem;
}

.contact-form {
    background: #ffffff;
    padding: 2.5rem;
    border-radius: var(--radius);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.06);
    border: 1px solid #e2e8f0;
}

/* Footer */
.footer {
    background: #000000;
    color: #ffffff;
    padding: 60px 0 20px;
    border-top: 1px solid #1e293b;
}

.footer .container {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-brand p {
    color: #b0b0b0;
    margin: 1rem 0;
    font-size: 0.95rem;
}

.social-links {
    display: flex;
    gap: 0.75rem;
}

.social-links a {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: #333333;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.social-links a:hover {
    background: #ffffff;
    transform: translateY(-3px);
}

.footer h4 {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 1.25rem;
}

.footer-links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.footer-links a {
    color: #b0b0b0;
    font-size: 0.9rem;
    transition: var(--transition);
}

.footer-links a:hover {
    color: #ffffff;
    padding-left: 5px;
}

.footer-bottom {
    border-top: 1px solid #333333;
    padding-top: 20px;
    text-align: center;
    color: #808080;
    font-size: 0.85rem;
}

/* WhatsApp Float */
.whatsapp-float {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 60px;
    height: 60px;
    background: #ffffff;
    color: #000000;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    box-shadow: 0 8px 24px rgba(255, 255, 255, 0.4);
    z-index: 999;
    transition: var(--transition);
}

.whatsapp-float:hover {
    transform: scale(1.1) rotate(10deg);
}

.whatsapp-tooltip {
    position: absolute;
    right: 70px;
    background: #ffffff;
    color: #000000;
    padding: 0.5rem 0.9rem;
    border-radius: 8px;
    font-size: 0.8rem;
    font-weight: 600;
    white-space: nowrap;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.whatsapp-float:hover .whatsapp-tooltip {
    opacity: 1;
    visibility: visible;
    right: 75px;
}

/* Alerts */
.alert {
    padding: 1rem 1.25rem;
    border-radius: 12px;
    margin-bottom: 1rem;
    font-weight: 500;
}

.alert-success {
    background: #333333;
    color: #ffffff;
    border: 1px solid #555555;
}

.alert-danger {
    background: #1a1a1a;
    color: #ffffff;
    border: 1px solid #444444;
}

.alert ul {
    margin: 0;
    padding-left: 1.25rem;
}

/* Animations */
.fade-in {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.8s ease, transform 0.8s ease;
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

/* Bank Marquee */
.bank-marquee {
    padding: 20px 0;
    background: #1a1a1a;
    border-top: 1px solid #333333;
    border-bottom: 1px solid #333333;
    overflow: hidden;
}

.bank-marquee-container {
    display: flex;
    gap: 3rem;
    animation: marquee 30s linear infinite;
}

.bank-logo {
    flex-shrink: 0;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: #ffffff;
    font-weight: 600;
    font-size: 1.1rem;
}

.bank-logo i {
    font-size: 1.5rem;
}

@keyframes marquee {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

/* Referral Styles */
.referral-hero {
    padding: 100px 0 60px;
    background: #000000;
    text-align: center;
}

.referral-hero h1 {
    font-size: 3rem;
    font-weight: 800;
    margin-bottom: 1rem;
    color: #ffffff;
}

.referral-hero h1 .highlight {
    color: #808080;
}

.referral-hero p {
    color: #b0b0b0;
    font-size: 1.1rem;
    max-width: 700px;
    margin: 0 auto 3rem;
}

.referral-stats {
    display: flex;
    justify-content: center;
    gap: 3rem;
    margin-top: 3rem;
}

.stat-item {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.stat-icon {
    width: 60px;
    height: 60px;
    background: #333333;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    font-size: 1.5rem;
}

.stat-text h3 {
    font-size: 1.5rem;
    font-weight: 700;
    color: #ffffff;
}

.stat-text p {
    color: #b0b0b0;
    margin: 0;
    font-size: 0.9rem;
}

.referral-form-section {
    padding: 80px 0;
    background: #1a1a1a;
}

.referral-form-section .container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}

.referral-form-container {
    background: #000000;
    padding: 2.5rem;
    border-radius: var(--radius);
    box-shadow: var(--shadow-hover);
    border: 1px solid #333333;
}

.referral-form-container h2 {
    font-size: 2rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
    color: #ffffff;
}

.referral-form-container > p {
    color: #b0b0b0;
    margin-bottom: 2rem;
}

.referral-benefits h3 {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 2rem;
    color: #ffffff;
}

.benefit-steps {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.benefit-step {
    text-align: center;
    padding: 1.5rem;
    background: #000000;
    border-radius: var(--radius-sm);
    border: 1px solid #333333;
}

.step-number {
    width: 50px;
    height: 50px;
    background: #ffffff;
    color: #000000;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    font-weight: 700;
    margin: 0 auto 1rem;
}

.benefit-step h4 {
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 0.5rem;
    color: #ffffff;
}

.benefit-step p {
    color: #b0b0b0;
    font-size: 0.85rem;
}

.referral-terms {
    background: #000000;
    padding: 1.5rem;
    border-radius: var(--radius-sm);
    border: 1px solid #333333;
}

.referral-terms h4 {
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 1rem;
    color: #ffffff;
}

.referral-terms ul {
    list-style: none;
    padding: 0;
}

.referral-terms li {
    color: #b0b0b0;
    font-size: 0.9rem;
    margin-bottom: 0.5rem;
    padding-left: 1.5rem;
    position: relative;
}

.referral-terms li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: #ffffff;
}

.leaderboard-section {
    padding: 80px 0;
    background: #000000;
}

.leaderboard-table {
    background: #1a1a1a;
    border-radius: var(--radius);
    overflow: hidden;
    border: 1px solid #333333;
}

.leaderboard-table table {
    width: 100%;
    border-collapse: collapse;
}

.leaderboard-table thead {
    background: #333333;
}

.leaderboard-table th {
    padding: 1rem;
    text-align: left;
    font-weight: 600;
    color: #ffffff;
}

.leaderboard-table td {
    padding: 1rem;
    border-bottom: 1px solid #333333;
    color: #b0b0b0;
}

.leaderboard-table tr:last-child td {
    border-bottom: none;
}

.leaderboard-table .rank {
    font-weight: 700;
    font-size: 1.1rem;
}

.leaderboard-table .rank.top-rank {
    color: #ffffff;
}

.leaderboard-table .earnings {
    color: #ffffff;
    font-weight: 700;
}

.referral-success-hero {
    padding: 120px 0 80px;
    background: #000000;
    text-align: center;
}

.success-icon {
    width: 100px;
    height: 100px;
    background: #ffffff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 2rem;
    color: #000000;
    font-size: 3rem;
}

.referral-success-hero h1 {
    font-size: 2.5rem;
    font-weight: 800;
    margin-bottom: 1rem;
    color: #ffffff;
}

.referral-success-hero > p {
    color: #b0b0b0;
    font-size: 1.1rem;
    margin-bottom: 2rem;
}

.referral-link-box {
    display: flex;
    gap: 1rem;
    max-width: 600px;
    margin: 0 auto 2rem;
}

.referral-link-box input {
    flex: 1;
    padding: 1rem;
    background: #1a1a1a;
    border: 2px solid #333333;
    border-radius: 50px;
    color: #ffffff;
    font-size: 1rem;
}

.share-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    margin-bottom: 3rem;
}

.btn-whatsapp {
    background: #ffffff;
    color: #000000;
    border: 2px solid #ffffff;
}

.btn-whatsapp:hover {
    background: transparent;
}

.btn-facebook {
    background: #1a1a1a;
    color: #ffffff;
    border: 2px solid #1a1a1a;
}

.btn-facebook:hover {
    background: transparent;
    color: #ffffff;
}

.btn-email {
    background: transparent;
    color: #ffffff;
    border: 2px solid #ffffff;
}

.btn-email:hover {
    background: #ffffff;
    color: #000000;
}

.referral-code-display {
    margin-bottom: 3rem;
}

.referral-code-display p {
    color: #b0b0b0;
    margin-bottom: 0.5rem;
}

.referral-code-display h2 {
    font-size: 2rem;
    font-weight: 800;
    color: #ffffff;
}

.next-steps {
    max-width: 900px;
    margin: 0 auto;
}

.next-steps h3 {
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 2rem;
    color: #ffffff;
}

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

.step-card {
    text-align: center;
    padding: 2rem;
    background: #1a1a1a;
    border-radius: var(--radius);
    border: 1px solid #333333;
}

.step-icon {
    width: 70px;
    height: 70px;
    background: #333333;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: #ffffff;
    font-size: 1.5rem;
}

.step-card h4 {
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
    color: #ffffff;
}

.step-card p {
    color: #b0b0b0;
    font-size: 0.9rem;
}

/* Lead Popup */
.lead-popup {
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.8);
    backdrop-filter: blur(8px);
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.lead-popup.hidden {
    display: none;
}

.lead-popup-content {
    background: #ffffff;
    padding: 3rem;
    border-radius: var(--radius);
    max-width: 500px;
    width: 100%;
    position: relative;
    border: 1px solid #e2e8f0;
    box-shadow: 0 25px 50px rgba(0, 0, 0, 0.2);
}

.lead-popup-close {
    position: absolute;
    top: 1rem;
    right: 1rem;
    width: 40px;
    height: 40px;
    background: #f1f5f9;
    border: 1px solid #cbd5e1;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #000000;
    font-size: 1.2rem;
    cursor: pointer;
    transition: var(--transition);
}

.lead-popup-close:hover {
    background: #000000;
    color: #ffffff;
}

.lead-popup h2 {
    font-size: 1.8rem;
    font-weight: 800;
    margin-bottom: 0.5rem;
    color: #000000;
}

.lead-popup > p {
    color: #475569;
    margin-bottom: 2rem;
}

/* Responsive Layout Updates */
@media (max-width: 992px) {
    .hero .container,
    .apply .container,
    .contact .container,
    .referral-form-section .container {
        grid-template-columns: 1fr;
    }

    .hero {
        padding: 120px 0 60px;
    }

    .hero h1 {
        font-size: 2.4rem;
    }

    .hero-image {
        order: -1;
    }

    .footer .container {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {
    .navbar .container {
        height: 70px;
        padding: 0 1rem;
        gap: 0.5rem;
    }

    .logo {
        font-size: 1.15rem;
        gap: 0.5rem;
    }

    .logo-icon {
        width: 34px;
        height: 34px;
        font-size: 0.95rem;
        border-radius: 8px;
    }

    .nav-links,
    .nav-cta .btn-outline {
        display: none;
    }

    .nav-cta .btn-primary {
        padding: 0.4rem 0.85rem;
        font-size: 0.78rem;
        border-radius: 30px;
        white-space: nowrap;
        box-shadow: none;
    }

    .nav-cta {
        gap: 0.5rem;
    }

    .mobile-menu-btn {
        display: flex;
        align-items: center;
        justify-content: center;
        width: 36px;
        height: 36px;
        color: #000000;
        font-size: 1.25rem;
    }

    .nav-links.active {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 70px;
        left: 0;
        right: 0;
        background: #ffffff;
        padding: 1.5rem;
        gap: 1.25rem;
        box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
        border-top: 1px solid #e2e8f0;
    }

    .nav-links.active a {
        width: 100%;
        color: #000000;
        font-size: 1rem;
    }

    .hero h1 {
        font-size: 2rem;
    }

    .hero-stats {
        gap: 1.5rem;
    }

    .section-header h2 {
        font-size: 1.8rem;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .footer .container {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .benefit-steps {
        grid-template-columns: 1fr;
    }

    .referral-stats {
        flex-direction: column;
        gap: 2rem;
    }
}

@media (max-width: 480px) {
    .logo {
        font-size: 1.05rem;
    }

    .logo-icon {
        width: 30px;
        height: 30px;
        font-size: 0.85rem;
    }

    .nav-cta .btn-primary {
        padding: 0.35rem 0.75rem;
        font-size: 0.75rem;
    }
}