/* ============================================
   LAMP - Landing Page Styles
   Loan Application Management Platform
   ============================================ */

/* --- CSS Variables --- */
:root {
  --primary: #1a56db;
  --primary-light: #3b82f6;
  --primary-dark: #1e3a8a;
  --primary-50: #eff6ff;
  --primary-100: #dbeafe;
  --primary-900: #1e3a8a;
  --accent: #f59e0b;
  --accent-light: #fbbf24;
  --accent-dark: #d97706;
  --success: #10b981;
  --success-light: #d1fae5;
  --danger: #ef4444;
  --danger-light: #fee2e2;
  --warning: #f59e0b;
  --warning-light: #fef3c7;
  --info: #3b82f6;
  --info-light: #dbeafe;
  --gray-50: #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --gray-900: #111827;
  --white: #ffffff;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
  --radius-sm: 6px;
  --radius: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* --- Reset & Base --- */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font);
  color: var(--gray-800);
  line-height: 1.6;
  background: var(--white);
  overflow-x: hidden;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

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

ul { list-style: none; }

/* --- Utility Classes --- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-sm {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 100px 0;
}

.section-header {
  text-align: center;
  margin-bottom: 64px;
}

.section-badge {
  display: inline-block;
  padding: 6px 16px;
  background: var(--primary-50);
  color: var(--primary);
  font-size: 13px;
  font-weight: 600;
  border-radius: 100px;
  margin-bottom: 16px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.section-title {
  font-size: 40px;
  font-weight: 800;
  color: var(--gray-900);
  line-height: 1.2;
  margin-bottom: 16px;
  letter-spacing: -0.5px;
}

.section-subtitle {
  font-size: 18px;
  color: var(--gray-500);
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.7;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 32px;
  font-size: 15px;
  font-weight: 600;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  font-family: var(--font);
  letter-spacing: 0.2px;
}

.btn i { font-size: 16px; }

.btn-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(26, 86, 219, 0.35);
}

.btn-primary:hover {
  background: var(--primary-dark);
  box-shadow: 0 6px 20px rgba(26, 86, 219, 0.45);
  transform: translateY(-1px);
}

.btn-accent {
  background: var(--accent);
  color: var(--gray-900);
  box-shadow: 0 4px 14px rgba(245, 158, 11, 0.35);
}

.btn-accent:hover {
  background: var(--accent-dark);
  color: var(--white);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}

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

.btn-white {
  background: var(--white);
  color: var(--primary);
  box-shadow: var(--shadow-md);
}

.btn-white:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-1px);
}

.btn-lg {
  padding: 16px 40px;
  font-size: 16px;
}

.btn-sm {
  padding: 10px 20px;
  font-size: 13px;
}

/* --- Animations --- */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes slideInLeft {
  from { opacity: 0; transform: translateX(-30px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes slideInRight {
  from { opacity: 0; transform: translateX(30px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

@keyframes shimmer {
  0% { background-position: -200% 0; }
  100% { background-position: 200% 0; }
}

.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* --- Top Bar --- */
.top-bar {
  background: var(--gray-900);
  color: var(--gray-300);
  font-size: 13px;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.top-bar-left {
  display: flex;
  align-items: center;
  gap: 20px;
}

.top-bar-left a {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--gray-300);
}

.top-bar-left a:hover { color: var(--accent); }

.top-bar-right {
  display: flex;
  align-items: center;
  gap: 16px;
}

.top-bar-right a {
  color: var(--gray-400);
  font-size: 15px;
}

.top-bar-right a:hover { color: var(--accent); }

/* --- Navbar --- */
.navbar {
  background: var(--white);
  padding: 16px 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.navbar.scrolled {
  box-shadow: var(--shadow-md);
  padding: 12px 0;
}

.navbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 24px;
  font-weight: 800;
  color: var(--primary);
}

.navbar-brand .logo-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 20px;
}

.navbar-brand span {
  color: var(--gray-900);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  font-size: 15px;
  font-weight: 500;
  color: var(--gray-600);
  position: relative;
}

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

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary);
  transition: var(--transition);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  font-size: 24px;
  color: var(--gray-700);
  cursor: pointer;
  padding: 4px;
}

/* --- Hero Section --- */
.hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 50%, #1a56db 100%);
  position: relative;
  overflow: hidden;
  min-height: 90vh;
  display: flex;
  align-items: center;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Ccircle cx='30' cy='30' r='2'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero::after {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.15) 0%, transparent 70%);
  top: -200px;
  right: -100px;
  border-radius: 50%;
}

.hero .container {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-content {
  animation: slideInLeft 0.8s ease;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 100px;
  color: var(--accent);
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 24px;
  backdrop-filter: blur(10px);
}

.hero-badge i { font-size: 12px; }

.hero-title {
  font-size: 56px;
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 24px;
  letter-spacing: -1px;
}

.hero-title .highlight {
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-description {
  font-size: 18px;
  color: rgba(255,255,255,0.7);
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 520px;
}

.hero-buttons {
  display: flex;
  gap: 16px;
  margin-bottom: 48px;
}

.hero-stats {
  display: flex;
  gap: 40px;
}

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

.hero-stat-value {
  font-size: 28px;
  font-weight: 800;
  color: var(--white);
}

.hero-stat-label {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  margin-top: 4px;
}

.hero-visual {
  position: relative;
  animation: slideInRight 0.8s ease;
}

.hero-card {
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 32px;
  color: var(--white);
}

.hero-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 24px;
}

.hero-card-title {
  font-size: 16px;
  font-weight: 600;
}

.hero-card-badge {
  padding: 4px 12px;
  background: rgba(16, 185, 129, 0.2);
  color: var(--success);
  border-radius: 100px;
  font-size: 12px;
  font-weight: 600;
}

.hero-card-items {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.hero-card-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px;
  background: rgba(255,255,255,0.05);
  border-radius: var(--radius);
}

.hero-card-item .icon-circle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}

.hero-card-item .icon-circle.blue {
  background: rgba(59, 130, 246, 0.2);
  color: var(--primary-light);
}

.hero-card-item .icon-circle.green {
  background: rgba(16, 185, 129, 0.2);
  color: var(--success);
}

.hero-card-item .icon-circle.amber {
  background: rgba(245, 158, 11, 0.2);
  color: var(--accent);
}

.hero-card-item-info h4 {
  font-size: 14px;
  font-weight: 600;
}

.hero-card-item-info p {
  font-size: 12px;
  color: rgba(255,255,255,0.5);
}

.hero-card-item-progress {
  margin-left: auto;
  font-size: 12px;
  font-weight: 600;
}

.hero-floating-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius);
  padding: 16px 20px;
  box-shadow: var(--shadow-xl);
  animation: float 3s ease-in-out infinite;
}

.hero-floating-card.card-1 {
  top: -20px;
  right: -30px;
  display: flex;
  align-items: center;
  gap: 12px;
}

.hero-floating-card.card-1 .icon {
  width: 36px;
  height: 36px;
  background: var(--success-light);
  color: var(--success);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
}

.hero-floating-card.card-1 span {
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-800);
}

.hero-floating-card.card-1 small {
  display: block;
  font-size: 11px;
  color: var(--gray-400);
}

.hero-floating-card.card-2 {
  bottom: -20px;
  left: -30px;
  animation-delay: 1.5s;
}

.hero-floating-card.card-2 .amount {
  font-size: 24px;
  font-weight: 800;
  color: var(--primary);
}

.hero-floating-card.card-2 small {
  font-size: 11px;
  color: var(--gray-400);
}

/* --- Partners --- */
.partners {
  background: var(--gray-50);
  padding: 48px 0;
  border-bottom: 1px solid var(--gray-200);
}

.partners .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}

.partners-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 1px;
}

.partner-logos {
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  justify-content: center;
}

.partner-logo {
  padding: 10px 20px;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  font-weight: 700;
  font-size: 16px;
  color: var(--gray-400);
  transition: var(--transition);
}

.partner-logo:hover {
  border-color: var(--primary-200);
  color: var(--primary);
  box-shadow: var(--shadow);
}

/* --- Loan Types --- */
.loan-types {
  background: var(--white);
}

.loan-types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.loan-type-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 32px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  cursor: pointer;
}

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

.loan-type-card:hover {
  border-color: var(--primary-200);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

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

.loan-type-icon {
  width: 56px;
  height: 56px;
  background: var(--primary-50);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  color: var(--primary);
  margin-bottom: 20px;
  transition: var(--transition);
}

.loan-type-card:hover .loan-type-icon {
  background: var(--primary);
  color: var(--white);
}

.loan-type-card h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.loan-type-card p {
  font-size: 14px;
  color: var(--gray-500);
  margin-bottom: 16px;
  line-height: 1.6;
}

.loan-type-rate {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 12px;
  background: var(--success-light);
  color: #059669;
  border-radius: 100px;
  font-size: 13px;
  font-weight: 600;
}

.loan-type-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-size: 14px;
  font-weight: 600;
  color: var(--primary);
  opacity: 0;
  transform: translateX(-10px);
  transition: var(--transition);
}

.loan-type-card:hover .loan-type-link {
  opacity: 1;
  transform: translateX(0);
}

/* --- Features --- */
.features {
  background: var(--gray-50);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.feature-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 36px;
  transition: var(--transition);
  border: 1px solid transparent;
}

.feature-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--gray-200);
}

.feature-icon {
  width: 48px;
  height: 48px;
  background: var(--primary-50);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  color: var(--primary);
  margin-bottom: 20px;
}

.feature-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 10px;
}

.feature-card p {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.7;
}

/* --- How It Works --- */
.how-it-works {
  background: var(--white);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 12.5%;
  right: 12.5%;
  height: 2px;
  background: linear-gradient(90deg, var(--primary-100), var(--primary), var(--primary-100));
  z-index: 0;
}

.step-card {
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-number {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  color: var(--white);
  font-size: 28px;
  font-weight: 800;
  box-shadow: 0 4px 14px rgba(26, 86, 219, 0.3);
}

.step-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.step-card p {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.6;
}

/* --- EMI Calculator --- */
.calculator-section {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a8a 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.calculator-section::before {
  content: '';
  position: absolute;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.1) 0%, transparent 70%);
  bottom: -200px;
  left: -100px;
  border-radius: 50%;
}

.calculator-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.calculator-content h2 {
  font-size: 40px;
  font-weight: 800;
  margin-bottom: 16px;
  color: var(--white);
}

.calculator-content p {
  font-size: 16px;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  margin-bottom: 32px;
}

.calculator-features {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.calculator-feature {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: rgba(255,255,255,0.8);
}

.calculator-feature i {
  color: var(--success);
  font-size: 16px;
}

.calculator-card {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 40px;
}

.calc-group {
  margin-bottom: 28px;
}

.calc-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.7);
  margin-bottom: 12px;
}

.calc-group label span {
  font-weight: 700;
  color: var(--white);
  font-size: 16px;
}

.calc-slider {
  width: 100%;
  -webkit-appearance: none;
  height: 6px;
  background: rgba(255,255,255,0.15);
  border-radius: 3px;
  outline: none;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--primary-light);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(59, 130, 246, 0.4);
}

.calc-result {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
  margin-top: 32px;
}

.calc-result-label {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 8px;
}

.calc-result-value {
  font-size: 42px;
  font-weight: 800;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.calc-result-info {
  display: flex;
  justify-content: center;
  gap: 32px;
  margin-top: 16px;
}

.calc-result-info div {
  text-align: center;
}

.calc-result-info span {
  display: block;
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
}

.calc-result-info small {
  font-size: 12px;
  color: rgba(255,255,255,0.4);
}

/* --- Testimonials --- */
.testimonials {
  background: var(--gray-50);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 32px;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.testimonial-stars {
  display: flex;
  gap: 4px;
  margin-bottom: 16px;
}

.testimonial-stars i {
  color: var(--accent);
  font-size: 14px;
}

.testimonial-text {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary-100), var(--primary-50));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
  color: var(--primary);
}

.testimonial-author-info h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--gray-900);
}

.testimonial-author-info p {
  font-size: 12px;
  color: var(--gray-400);
}

/* --- Application Form Section --- */
.apply-section {
  background: var(--white);
}

.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: start;
}

.apply-info h2 {
  font-size: 40px;
  font-weight: 800;
  color: var(--gray-900);
  margin-bottom: 16px;
  line-height: 1.2;
}

.apply-info p {
  font-size: 16px;
  color: var(--gray-500);
  line-height: 1.7;
  margin-bottom: 32px;
}

.apply-benefits {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.apply-benefit {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.apply-benefit i {
  color: var(--success);
  font-size: 18px;
  margin-top: 2px;
  flex-shrink: 0;
}

.apply-benefit div h4 {
  font-size: 15px;
  font-weight: 600;
  color: var(--gray-800);
  margin-bottom: 2px;
}

.apply-benefit div p {
  font-size: 13px;
  color: var(--gray-500);
  margin-bottom: 0;
}

/* Multi-step Form */
.application-form-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.form-progress {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  margin-bottom: 36px;
}

.form-step-indicator {
  display: flex;
  align-items: center;
  gap: 0;
}

.step-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  background: var(--gray-200);
  color: var(--gray-400);
  transition: var(--transition);
  flex-shrink: 0;
}

.step-dot.active {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 2px 8px rgba(26, 86, 219, 0.3);
}

.step-dot.completed {
  background: var(--success);
  color: var(--white);
}

.step-line {
  width: 40px;
  height: 3px;
  background: var(--gray-200);
  transition: var(--transition);
}

.step-line.active {
  background: var(--primary);
}

.step-line.completed {
  background: var(--success);
}

.form-step {
  display: none;
}

.form-step.active {
  display: block;
  animation: fadeIn 0.3s ease;
}

.form-step-title {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 24px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group.full-width {
  grid-column: 1 / -1;
}

.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
}

.form-group label .required {
  color: var(--danger);
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius);
  font-size: 14px;
  font-family: var(--font);
  color: var(--gray-800);
  transition: var(--transition);
  background: var(--white);
}

.form-control:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26, 86, 219, 0.1);
}

.form-control::placeholder {
  color: var(--gray-400);
}

select.form-control {
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
}

textarea.form-control {
  resize: vertical;
  min-height: 80px;
}

.loan-type-selector {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 20px;
}

.loan-type-option {
  position: relative;
}

.loan-type-option input {
  position: absolute;
  opacity: 0;
}

.loan-type-option label {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 16px 12px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.loan-type-option label i {
  font-size: 24px;
  color: var(--gray-400);
  transition: var(--transition);
}

.loan-type-option label span {
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-600);
}

.loan-type-option input:checked + label {
  border-color: var(--primary);
  background: var(--primary-50);
}

.loan-type-option input:checked + label i {
  color: var(--primary);
}

.loan-type-option input:checked + label span {
  color: var(--primary);
}

.form-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid var(--gray-200);
}

/* --- Status Tracker --- */
.status-tracker {
  background: var(--gray-50);
}

.tracker-card {
  max-width: 600px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 48px;
  box-shadow: var(--shadow-lg);
  text-align: center;
}

.tracker-card h3 {
  font-size: 24px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 8px;
}

.tracker-card > p {
  font-size: 14px;
  color: var(--gray-500);
  margin-bottom: 32px;
}

.tracker-input-group {
  display: flex;
  gap: 12px;
  margin-bottom: 24px;
}

.tracker-input-group input {
  flex: 1;
  padding: 14px 18px;
  border: 2px solid var(--gray-300);
  border-radius: var(--radius);
  font-size: 15px;
  font-family: var(--font);
  color: var(--gray-800);
  transition: var(--transition);
}

.tracker-input-group input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26, 86, 219, 0.1);
}

.tracker-result {
  display: none;
  text-align: left;
  padding: 24px;
  background: var(--primary-50);
  border-radius: var(--radius);
  margin-top: 24px;
}

.tracker-result.show { display: block; }

.tracker-status-timeline {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-top: 16px;
}

.tracker-status-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
}

.tracker-status-item .status-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  flex-shrink: 0;
}

.tracker-status-item .status-dot.completed {
  background: var(--success);
}

.tracker-status-item .status-dot.current {
  background: var(--primary);
  box-shadow: 0 0 0 4px rgba(26, 86, 219, 0.2);
}

.tracker-status-item .status-dot.pending {
  background: var(--gray-300);
}

.tracker-status-item.completed span {
  color: var(--success);
  font-weight: 500;
}

.tracker-status-item.current span {
  color: var(--primary);
  font-weight: 600;
}

.tracker-status-item.pending span {
  color: var(--gray-400);
}

/* --- Documents Preview --- */
.documents-preview {
  background: var(--white);
}

.docs-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.doc-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 24px;
  text-align: center;
  transition: var(--transition);
}

.doc-card:hover {
  border-color: var(--primary-200);
  box-shadow: var(--shadow-md);
}

.doc-icon {
  width: 52px;
  height: 52px;
  background: var(--primary-50);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 22px;
  color: var(--primary);
}

.doc-card h4 {
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-800);
  margin-bottom: 4px;
}

.doc-card p {
  font-size: 12px;
  color: var(--gray-400);
}

/* --- CTA Section --- */
.cta-section {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.1) 0%, transparent 70%);
  top: -300px;
  left: 50%;
  transform: translateX(-50%);
  border-radius: 50%;
}

.cta-section .container {
  position: relative;
  z-index: 1;
}

.cta-section h2 {
  font-size: 40px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
}

.cta-section p {
  font-size: 18px;
  color: rgba(255,255,255,0.7);
  margin-bottom: 36px;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
}

/* --- Footer --- */
.footer {
  background: var(--gray-900);
  color: var(--gray-400);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-brand h3 {
  font-size: 24px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
}

.footer-brand h3 span { color: var(--primary-light); }

.footer-brand p {
  font-size: 14px;
  line-height: 1.7;
  margin-bottom: 20px;
}

.footer-social {
  display: flex;
  gap: 12px;
}

.footer-social a {
  width: 40px;
  height: 40px;
  border-radius: var(--radius);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-400);
  transition: var(--transition);
}

.footer-social a:hover {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}

.footer-column h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
}

.footer-column ul li {
  margin-bottom: 12px;
}

.footer-column ul li a {
  font-size: 14px;
  color: var(--gray-400);
  transition: var(--transition);
}

.footer-column ul li a:hover {
  color: var(--white);
  padding-left: 4px;
}

.footer-bottom {
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
}

.footer-bottom a {
  color: var(--gray-400);
}

.footer-bottom a:hover { color: var(--white); }

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero .container {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .hero-title { font-size: 42px; }
  
  .hero-visual { display: none; }
  
  .loan-types-grid { grid-template-columns: repeat(2, 1fr); }
  
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  
  .steps-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .steps-grid::before { display: none; }
  
  .calculator-grid { grid-template-columns: 1fr; }
  
  .apply-grid { grid-template-columns: 1fr; }
  
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  
  .docs-grid { grid-template-columns: repeat(2, 1fr); }
  
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .top-bar { display: none; }
  
  .nav-links { display: none; }
  
  .mobile-menu-btn { display: block; }
  
  .nav-actions .btn { display: none; }
  
  .section { padding: 64px 0; }
  
  .section-title { font-size: 28px; }
  
  .section-subtitle { font-size: 15px; }
  
  .hero { min-height: auto; padding: 80px 0 64px; }
  
  .hero-title { font-size: 32px; }
  
  .hero-description { font-size: 15px; }
  
  .hero-buttons { flex-direction: column; }
  
  .hero-stats { gap: 24px; }
  
  .hero-stat-value { font-size: 22px; }
  
  .loan-types-grid { grid-template-columns: 1fr; }
  
  .features-grid { grid-template-columns: 1fr; }
  
  .steps-grid { grid-template-columns: 1fr; }
  
  .testimonials-grid { grid-template-columns: 1fr; }
  
  .docs-grid { grid-template-columns: 1fr; }
  
  .form-row { grid-template-columns: 1fr; }
  
  .loan-type-selector { grid-template-columns: repeat(2, 1fr); }
  
  .tracker-input-group { flex-direction: column; }
  
  .cta-buttons { flex-direction: column; align-items: center; }
  
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  
  .calculator-content h2 { font-size: 28px; }
  
  .apply-info h2 { font-size: 28px; }
  
  .cta-section h2 { font-size: 28px; }
  
  .partners .container { flex-direction: column; gap: 24px; }
  
  .partner-logos { gap: 16px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  
  .hero-title { font-size: 28px; }
  
  .btn { padding: 12px 24px; font-size: 14px; }
  
  .btn-lg { padding: 14px 32px; }
  
  .hero-stats { flex-direction: column; gap: 16px; }
  
  .application-form-card { padding: 24px; }
  
  .loan-type-selector { grid-template-columns: 1fr; }
}

/* --- Mobile Navigation --- */
.mobile-nav {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--white);
  z-index: 2000;
  padding: 24px;
  flex-direction: column;
}

.mobile-nav.open { display: flex; }

.mobile-nav-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 32px;
}

.mobile-nav-close {
  background: none;
  border: none;
  font-size: 24px;
  color: var(--gray-700);
  cursor: pointer;
}

.mobile-nav-links {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.mobile-nav-links a {
  padding: 16px 0;
  font-size: 18px;
  font-weight: 600;
  color: var(--gray-800);
  border-bottom: 1px solid var(--gray-100);
}

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

.mobile-nav-actions {
  margin-top: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}