:root {
  --primary: #1e5fa0;
  --accent: #4caf50;
  --dark: #0a2351;
  --light: #f8fbff;
  --shadow: 0 15px 40px rgba(0,0,0,.08);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Poppins', sans-serif;
  line-height: 1.6;
  color: #333;
  background: #fff;
  overflow-x: hidden;
}

/* ================= RESPONSIVE IMAGES ================= */
img {
  max-width: 100%;
  height: auto;
  display: block;
}

/* ================= HEADER ================= */
header {
  position: sticky;
  top: 0;
  width: 100%;
  z-index: 1000;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 15px 5%;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(10px);
  box-shadow: 0 5px 20px rgba(0,0,0,.05);
}

.logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  color: var(--primary);
  font-weight: 700;
}

.menu-toggle {
  display: block;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--dark);
}

.nav-links {
  display: none;
  flex-direction: column;
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  background: #fff;
  padding: 20px;
  box-shadow: 0 10px 20px rgba(0,0,0,0.1);
  gap: 15px;
  text-align: center;
  animation: slideDown 0.3s ease-out forwards;
}

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-10px); }
  to { opacity: 1; transform: translateY(0); }
}

.nav-links.active {
  display: flex;
}

.nav-links li {
  list-style: none;
}

.nav-links a {
  text-decoration: none;
  color: var(--dark);
  font-weight: 500;
  font-size: 1.1rem;
  display: block;
  padding: 10px 0;
  transition: 0.3s;
}

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

.apply-btn {
  display: none;
  background: var(--accent);
  color: #fff;
  padding: 10px 20px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  transition: all 0.3s ease;
  text-align: center;
}

.nav-links .apply-btn-mobile {
  display: none;
}

/* ================= HERO ================= */
.hero {
  margin-top: 0;
  height: 100vh;
  background: linear-gradient(rgba(10, 35, 81, 0.7), rgba(10, 35, 81, 0.7)), url('https://cloudinary.hbs.edu/hbsit/image/upload/s--wx5D2ABw--/f_auto,c_fill,h_375,w_750,/v20200101/5393409F6FB391494111C5EC16653C89.jpg');
  background-size: cover;
  background-position: center;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 0 5%;
  color: #fff;
}

.hero-text {
  max-width: 100%;
}

.hero-text h1 {
  font-size: 2.2rem;
  margin-bottom: 20px;
  line-height: 1.2;
}

.hero-text p {
  font-size: 1rem;
  margin-bottom: 30px;
  border-left: none;
  padding-left: 0;
}

.hero-actions {
  display: flex;
  flex-direction: column;
  gap: 15px;
  align-items: center;
}

/* ================= BUTTONS ================= */
.primary-btn, .outline-btn, .cta button {
  padding: 12px 30px;
  font-weight: 600;
  border-radius: 12px;
  border: none;
  cursor: pointer;
  transition: all 0.3s ease;
  display: inline-block;
  text-align: center;
  font-family: inherit;
  font-size: 1rem;
  text-decoration: none;
}

.primary-btn {
  background: var(--primary);
  color: #fff;
  width: 100%;
  max-width: 280px;
}

.primary-btn:hover {
  background: var(--dark);
  transform: translateY(-2px);
  box-shadow: 0 5px 15px rgba(30, 95, 160, 0.3);
}

.primary-btn:active {
  transform: translateY(0);
}

.outline-btn {
  background: transparent;
  border: 2px solid #fff;
  color: #fff;
  width: 100%;
  max-width: 280px;
}

.outline-btn:hover {
  background: #fff;
  color: var(--primary);
  transform: translateY(-2px);
}

.cta button:hover {
  background: var(--light);
  transform: scale(1.05);
  box-shadow: 0 5px 15px rgba(0,0,0,0.2);
}

.apply-btn:hover {
  background: #43a047;
  transform: scale(1.02);
}

/* ================= SECTIONS ================= */
.section {
  padding: 60px 5%;
  overflow: hidden;
}

.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
}

.section-header {
  text-align: center;
  margin-bottom: 40px;
}

.section-header h2 {
  font-size: 1.8rem;
  color: var(--dark);
}

.section-header p {
  color: #666;
  margin-top: 10px;
}

/* ================= GRIDS (Single Column by default) ================= */
.services-grid, .loan-grid, .footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}

.service-card {
  background: #fff;
  padding: 30px;
  border-radius: 20px;
  box-shadow: var(--shadow);
  transition: .4s;
}

.service-card i {
  font-size: 35px;
  color: var(--primary);
  margin-bottom: 15px;
}

.loan-box {
  background: var(--light);
  padding: 25px;
  text-align: center;
  border-radius: 15px;
  font-weight: 600;
  color: var(--dark);
  transition: .3s;
}

/* ================= STATS ================= */
.stats {
  background: var(--primary);
  color: #fff;
  display: grid;
  grid-template-columns: 1fr;
  gap: 30px;
  text-align: center;
  padding: 50px 5%;
}

.stat h3 {
  font-size: 2.5rem;
}

/* ================= COMPLIANCE ================= */
.compliance-list {
  background: #fff;
  padding: 30px;
  border-radius: 20px;
  box-shadow: var(--shadow);
}

.compliance-list li {
  list-style: none;
  margin-bottom: 12px;
  font-size: 1rem;
  display: flex;
  align-items: flex-start;
}

.compliance-list li::before {
  content: "✔";
  color: var(--accent);
  font-weight: bold;
  margin-right: 10px;
}

/* ================= TESTIMONIAL ================= */
.testimonial {
  padding: 30px;
  background: #fff;
  border-radius: 20px;
  box-shadow: var(--shadow);
  text-align: center;
}

.testimonial img {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  margin: 0 auto 15px;
}

/* ================= CONTACT FORM ================= */
form {
  background: #fff;
  padding: 20px; /* Reduced padding for mobile */
  border-radius: 20px;
  box-shadow: var(--shadow);
}

.contact-info {
  padding: 25px;
}

.contact-info p {
  overflow-wrap: break-word;
}

.email-link {
  word-break: break-all;
}

@media (min-width: 768px) {
  form {
    padding: 30px;
  }
  .contact-info {
    padding: 40px;
  }
}

input, select, textarea {
  width: 100%;
  padding: 12px;
  margin-bottom: 15px;
  border-radius: 10px;
  border: 1px solid #ddd;
  font-family: inherit;
}

/* ================= CTA ================= */
.cta {
  background: linear-gradient(135deg, #1e5fa0, #0a2351);
  color: #fff;
  text-align: center;
  padding: 60px 5%;
}

.cta h2 {
  font-size: 1.8rem;
  margin-bottom: 15px;
}

.cta button {
  margin-top: 20px;
  padding: 12px 35px;
  background: #fff;
  color: var(--primary);
  border: none;
  border-radius: 50px;
  font-weight: 600;
  cursor: pointer;
}

/* ================= FOOTER ================= */
footer {
  background: var(--dark);
  color: #fff;
  padding: 60px 5% 30px;
}

.footer-brand {
  text-align: center;
  margin-bottom: 30px;
}

.footer-brand p {
  color: #ccc;
  font-size: 0.9rem;
  margin: 15px auto;
  max-width: 300px;
}

.footer-links-col, .footer-contact-col {
  text-align: center;
  margin-bottom: 30px;
}

footer h4 {
  margin-bottom: 20px;
  font-size: 1.1rem;
  position: relative;
  display: inline-block;
}

footer h4::after {
  content: '';
  position: absolute;
  bottom: -5px;
  left: 50%;
  transform: translateX(-50%);
  width: 30px;
  height: 2px;
  background: var(--primary);
}

footer a {
  color: #ccc;
  text-decoration: none;
  display: block;
  margin-bottom: 10px;
  font-size: 0.9rem;
}

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

.social-links a {
  background: rgba(255,255,255,0.1);
  width: 35px;
  height: 35px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0;
}

.footer-contact-col p {
  color: #ccc;
  font-size: 0.9rem;
  margin-bottom: 15px;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  overflow-wrap: break-word;
  word-break: break-all;
}

.footer-contact-col i {
  margin-right: 10px;
  color: var(--primary);
}

.footer-bottom {
  text-align: center;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 0.8rem;
  color: #bbb;
}

/* ================= WHATSAPP FLOAT ================= */
.whatsapp-float {
  position: fixed;
  bottom: 20px;
  right: 20px;
  width: 50px;
  height: 50px;
  background: #25d366;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  box-shadow: 0 5px 15px rgba(0,0,0,.3);
  z-index: 1000;
  text-decoration: none;
  transition: all 0.3s ease;
}

.whatsapp-float:hover {
  transform: scale(1.1);
  box-shadow: 0 8px 20px rgba(0,0,0,0.4);
}

/* ================= BREAKPOINTS ================= */

/* Small Devices (480px and up) */
@media (min-width: 480px) {
  .hero-text h1 { font-size: 2.5rem; }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .loan-grid { grid-template-columns: repeat(2, 1fr); }
}

/* Tablets (768px and up) */
@media (min-width: 768px) {
  header { padding: 15px 8%; }
  .section { padding: 80px 8%; }
  .section-header h2 { font-size: 2.2rem; }
  
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  
  .hero-text h1 { font-size: 3rem; }
  .hero-actions { flex-direction: row; justify-content: center; }
  
  .footer-brand { text-align: left; }
  .footer-links-col, .footer-contact-col { text-align: left; }
  footer h4::after { left: 0; transform: none; }
  .footer-contact-col p { justify-content: flex-start; }
  .social-links { justify-content: flex-start; }
}

/* Desktops (1024px and up) */
@media (min-width: 1024px) {
  .menu-toggle { display: none; }
  
  .nav-links {
    display: flex;
    flex-direction: row;
    position: static;
    width: auto;
    background: transparent;
    box-shadow: none;
    padding: 0;
    gap: 30px;
    animation: none;
  }
  
  .nav-links a { padding: 0; }
  .apply-btn { display: inline-block; }
  .nav-links .apply-btn-mobile { display: none; }
  
  .hero { text-align: left; justify-content: flex-start; }
  .hero-text { max-width: 600px; }
  .hero-text h1 { font-size: 3.6rem; }
  .hero-text p { font-size: 1.2rem; border-left: 4px solid var(--primary); padding-left: 20px; }
  .hero-actions { justify-content: flex-start; }
  
  .services-grid { grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); }
  .loan-grid { grid-template-columns: repeat(4, 1fr); }
  .stats { grid-template-columns: repeat(4, 1fr); }
  
  .footer-grid { grid-template-columns: 2fr 1fr 1.5fr; gap: 50px; }
}

/* REVEAL ANIMATION */
.reveal { opacity: 0; transform: translateY(30px); transition: 1s; }
.reveal.active { opacity: 1; transform: none; }