@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', -apple-system, sans-serif; color: #1e293b; background: #fff; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* LAYOUT */
.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
.text-center { text-align: center; }
.muted { color: #94a3b8; }
.teal { color: #0d9488; }
.bold { font-weight: 700; }
.bg-white { background: #fff; }
.bg-light { background: #f8fafc; }

/* GRADIENTS */
.grad-text { background: linear-gradient(135deg, #38b2ac, #68d391); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }

/* NAVBAR */
.navbar { background: #1e3a5f; position: sticky; top: 0; z-index: 100; transition: box-shadow 0.3s; }
.navbar.scrolled { box-shadow: 0 4px 24px rgba(0,0,0,0.3); }
.nav-inner { max-width: 1100px; margin: 0 auto; padding: 14px 24px; display: flex; align-items: center; justify-content: space-between; }
.logo { height: 56px; width: auto; display: block; }
.nav-links { display: flex; gap: 32px; }
.nav-links a { color: #94a3b8; font-size: 14px; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover { color: #fff; }
.hamburger { display: none; background: none; border: none; color: white; font-size: 22px; cursor: pointer; margin-left: 12px; }
.mobile-menu { display: none; flex-direction: column; gap: 0; padding: 0 24px 16px; }
.mobile-menu.open { display: flex; }
.mobile-menu a { color: #94a3b8; padding: 12px 0; font-size: 15px; border-bottom: 1px solid rgba(255,255,255,0.06); }
.mobile-menu .btn-primary { margin-top: 12px; text-align: center; border-bottom: none; }

/* BUTTONS */
.btn-primary { background: linear-gradient(135deg, #38b2ac, #68d391); color: white; font-weight: 800; padding: 10px 22px; border-radius: 10px; font-size: 14px; transition: opacity 0.2s; border: none; cursor: pointer; display: inline-block; }
.btn-primary:hover { opacity: 0.88; color: white; }
.btn-lg { padding: 16px 36px; font-size: 16px; border-radius: 12px; }
.btn-ghost { border: 2px solid rgba(255,255,255,0.35); color: white; font-weight: 700; padding: 16px 36px; border-radius: 12px; font-size: 16px; transition: background 0.2s; display: inline-block; }
.btn-ghost:hover { background: rgba(255,255,255,0.1); }
.btn-white { background: white; color: #1e293b; font-weight: 900; padding: 16px 40px; border-radius: 12px; font-size: 16px; display: inline-block; box-shadow: 0 8px 30px rgba(0,0,0,0.15); transition: opacity 0.2s; }
.btn-white:hover { opacity: 0.92; }

/* HERO */
.hero { background: linear-gradient(160deg, #1e3a5f 0%, #162d4a 60%, #0f2035 100%); color: white; padding: 88px 24px 96px; text-align: center; }
.hero .badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2); border-radius: 999px; padding: 6px 18px; font-size: 13px; color: #94a3b8; margin-bottom: 28px; }
.hero h1 { font-size: 58px; font-weight: 900; line-height: 1.1; margin-bottom: 20px; }
.hero-sub { font-size: 18px; color: #94a3b8; max-width: 560px; margin: 0 auto 36px; line-height: 1.7; }
.hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 48px; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; max-width: 680px; margin: 0 auto; }
.trust-pill { border: 1px solid rgba(56,178,172,0.3); background: rgba(56,178,172,0.08); border-radius: 14px; padding: 12px 18px; text-align: center; }
.trust-val { display: block; color: #38b2ac; font-weight: 700; font-size: 16px; }
.trust-label { display: block; color: #64748b; font-size: 11px; margin-top: 2px; }

/* SECTIONS */
.section { padding: 80px 24px; }
.section-header { text-align: center; margin-bottom: 52px; }
.section-header h2 { font-size: 38px; font-weight: 900; color: #1e293b; margin-bottom: 12px; }
.section-header p { font-size: 17px; color: #64748b; max-width: 480px; margin: 0 auto; }

/* INDUSTRY CARDS */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.ind-card { background: white; border-radius: 18px; padding: 24px 16px; text-align: center; border: 2px solid transparent; transition: all 0.2s; box-shadow: 0 1px 4px rgba(0,0,0,0.06); display: block; }
.ind-card:hover { border-color: #38b2ac; transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,0.10); }
.ind-emoji { font-size: 38px; margin-bottom: 10px; }
.ind-name { font-weight: 800; color: #1e293b; font-size: 14px; }
.ind-sub { color: #94a3b8; font-size: 12px; margin-top: 4px; }

/* STEPS */
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; text-align: center; }
.step-num { background: linear-gradient(135deg, #38b2ac, #68d391); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; font-size: 52px; font-weight: 900; line-height: 1; }
.step h3 { font-size: 20px; font-weight: 800; color: #1e293b; margin: 8px 0 10px; }
.step p { color: #64748b; line-height: 1.7; font-size: 15px; }

/* SERVICE CARDS */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.service-card { background: white; border-radius: 18px; padding: 26px; box-shadow: 0 2px 8px rgba(0,0,0,0.06); transition: transform 0.2s, box-shadow 0.2s; }
.service-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.10); }
.service-icon { font-size: 32px; margin-bottom: 14px; }
.service-card h3 { font-size: 17px; font-weight: 800; color: #1e293b; margin-bottom: 6px; }
.service-meta { color: #0d9488; font-size: 13px; font-weight: 600; margin-bottom: 10px; }
.service-card p { color: #64748b; font-size: 14px; line-height: 1.75; }

/* COMPARISON TABLE */
.comparison-table { border-radius: 18px; overflow: hidden; border: 1px solid #e2e8f0; box-shadow: 0 4px 20px rgba(0,0,0,0.08); }
.comp-header { display: grid; grid-template-columns: 1fr 1fr 1fr; background: #1e3a5f; color: #64748b; font-size: 13px; font-weight: 700; }
.comp-header div, .comp-row div { padding: 14px 18px; }
.comp-row { display: grid; grid-template-columns: 1fr 1fr 1fr; font-size: 14px; border-top: 1px solid #f1f5f9; }
.comp-row div:first-child { color: #475569; font-weight: 600; }
.comp-row.alt { background: #f8fafc; }

/* TESTIMONIALS */
.testimonial-card { background: white; border-radius: 18px; padding: 26px; box-shadow: 0 2px 8px rgba(0,0,0,0.06); transition: transform 0.2s, box-shadow 0.2s; }
.testimonial-card:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.10); }
.stars { color: #38b2ac; font-size: 18px; margin-bottom: 14px; }
.testimonial-card p { color: #475569; font-size: 14px; line-height: 1.75; margin-bottom: 20px; }
.author { display: flex; align-items: center; gap: 12px; }
.avatar { width: 40px; height: 40px; border-radius: 50%; background: #1e3a5f; display: flex; align-items: center; justify-content: center; color: white; font-weight: 700; font-size: 13px; flex-shrink: 0; }
.author strong { display: block; font-size: 14px; color: #1e293b; }
.author span { font-size: 12px; color: #94a3b8; }

/* CTA BANNER */
.cta-banner { background: linear-gradient(135deg, #38b2ac, #68d391); padding: 80px 24px; text-align: center; color: white; }
.cta-banner h2 { font-size: 42px; font-weight: 900; margin-bottom: 14px; }
.cta-banner p { font-size: 17px; color: rgba(255,255,255,0.85); margin-bottom: 36px; }

/* FOOTER */
.footer { background: #1e3a5f; color: white; padding: 56px 24px 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.footer-logo { height: 48px; width: auto; margin-bottom: 14px; display: block; }
.footer p { color: #64748b; font-size: 13px; line-height: 1.7; }
.footer h4 { font-weight: 700; font-size: 12px; color: #94a3b8; text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 16px; }
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 8px; }
.footer ul a { color: #64748b; font-size: 13px; transition: color 0.2s; }
.footer ul a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; color: #475569; font-size: 12px; }

/* INNER PAGE HERO */
.page-hero { background: linear-gradient(160deg, #1e3a5f, #0f2035); color: white; padding: 72px 24px; text-align: center; }
.page-hero h1 { font-size: 48px; font-weight: 900; margin-bottom: 16px; }
.page-hero p { font-size: 18px; color: #94a3b8; max-width: 560px; margin: 0 auto; line-height: 1.7; }

/* FORM STYLES */
.form-card { background: white; border-radius: 16px; padding: 28px; box-shadow: 0 2px 8px rgba(0,0,0,0.06); margin-bottom: 24px; }
.form-section-title { background: #1e3a5f; color: white; padding: 12px 20px; font-weight: 700; font-size: 14px; border-radius: 10px 10px 0 0; }
.form-section-body { background: white; border: 1px solid #e2e8f0; border-top: none; border-radius: 0 0 10px 10px; padding: 20px; margin-bottom: 24px; }
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid-3 { display: grid; grid-template-columns: 1fr 80px 100px; gap: 12px; }
label.field-label { display: block; font-size: 11px; font-weight: 700; color: #475569; margin-bottom: 5px; text-transform: uppercase; letter-spacing: 0.5px; }
input, select, textarea { width: 100%; padding: 10px 14px; border: 1px solid #cbd5e1; border-radius: 8px; font-size: 14px; color: #1e293b; background: #f8fafc; font-family: 'Inter', sans-serif; outline: none; transition: border-color 0.2s, box-shadow 0.2s; }
input:focus, select:focus, textarea:focus { border-color: #38b2ac; background: white; box-shadow: 0 0 0 3px rgba(56,178,172,0.15); }
.req { color: #ef4444; }
.field-group { margin-bottom: 16px; }
.radio-group { display: flex; gap: 20px; padding-top: 8px; }
.radio-group label { display: flex; align-items: center; gap: 6px; font-size: 14px; color: #1e293b; cursor: pointer; font-weight: normal; text-transform: none; letter-spacing: normal; }
.progress-bar { display: flex; align-items: center; justify-content: center; gap: 8px; margin-bottom: 36px; }
.prog-step { width: 32px; height: 32px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 700; }
.prog-step.active { background: linear-gradient(135deg,#38b2ac,#68d391); color: white; }
.prog-step.inactive { background: #e2e8f0; color: #94a3b8; }
.prog-label { font-size: 12px; font-weight: 600; }
.prog-label.active { color: #0d9488; }
.prog-label.inactive { color: #94a3b8; }
.prog-line { width: 32px; height: 2px; }

/* ABOUT / HOW IT WORKS */
.value-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.value-card { background: white; border-radius: 16px; padding: 28px; box-shadow: 0 2px 8px rgba(0,0,0,0.06); }
.value-icon { font-size: 36px; margin-bottom: 14px; }
.value-card h3 { font-size: 18px; font-weight: 800; color: #1e293b; margin-bottom: 10px; }
.value-card p { color: #64748b; line-height: 1.75; font-size: 15px; }
.stats-bar { background: #1e3a5f; padding: 72px 24px; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; max-width: 900px; margin: 0 auto; }
.stat-val { font-size: 36px; font-weight: 900; background: linear-gradient(135deg,#38b2ac,#68d391); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.stat-label { color: #64748b; font-size: 14px; margin-top: 6px; }

/* INDUSTRY DETAIL */
.ind-detail { background: white; border-radius: 20px; padding: 40px; box-shadow: 0 4px 24px rgba(0,0,0,0.08); border: 2px solid #38b2ac; display: none; }
.ind-detail.active { display: block; }
.ind-detail-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.check-list { list-style: none; }
.check-list li { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 8px; color: #475569; font-size: 14px; }
.check-list li::before { content: "✓"; color: #38b2ac; font-weight: 700; flex-shrink: 0; }
.blockquote { background: #f8fafc; border-left: 4px solid #38b2ac; border-radius: 0 10px 10px 0; padding: 16px 20px; margin-top: 24px; }
.blockquote p { color: #475569; font-size: 14px; line-height: 1.75; font-style: italic; margin-bottom: 8px; }
.blockquote cite { color: #94a3b8; font-size: 12px; font-weight: 600; }
.loan-option { background: #f8fafc; border-radius: 12px; padding: 16px; margin-bottom: 12px; border: 1px solid #e2e8f0; }
.loan-option-title { display: flex; align-items: center; gap: 10px; font-weight: 700; color: #1e293b; font-size: 15px; margin-bottom: 8px; }
.tag { background: #f0fdf4; color: #0d9488; font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 999px; border: 1px solid #99f6e4; display: inline-block; margin-right: 6px; }

/* CONTACT */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-info h3 { font-size: 22px; font-weight: 800; color: #1e293b; margin-bottom: 20px; }
.contact-item { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 20px; }
.contact-item-icon { font-size: 24px; }
.contact-item strong { display: block; font-size: 14px; color: #1e293b; margin-bottom: 2px; }
.contact-item span { color: #64748b; font-size: 14px; }

/* FAQ */
.faq-item { border-bottom: 1px solid #e2e8f0; padding: 24px 0; }
.faq-item h4 { font-size: 16px; font-weight: 700; color: #1e293b; margin-bottom: 10px; }
.faq-item p { color: #64748b; line-height: 1.8; font-size: 15px; }

/* SUCCESS */
.success-card { background: white; border-radius: 20px; padding: 48px 40px; text-align: center; max-width: 500px; margin: 0 auto; box-shadow: 0 8px 40px rgba(0,0,0,0.10); }

/* RESPONSIVE */
@media (max-width: 900px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .ind-detail-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .value-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .hero h1 { font-size: 34px; }
  .page-hero h1 { font-size: 32px; }
  .section-header h2 { font-size: 28px; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .hamburger { display: block; }
  .comp-header div, .comp-row div { padding: 10px 10px; font-size: 12px; }
  .form-grid-2 { grid-template-columns: 1fr; }
  .form-grid-3 { grid-template-columns: 1fr; }
  .cta-banner h2 { font-size: 28px; }
}