/* Reset and Base Styles */
:root {
    --primary-color: #f9394b; /* Vibrant Red */
    --primary-dark: #d82b3c;
    --secondary-color: #222f46; /* Navy Blue */
    --secondary-light: #2c3c58;
    --text-dark: #333333;
    --text-gray: #666666;
    --bg-light: #f4f6fa;
    --white: #ffffff;
    --border-color: #eaedf3;
    --blue-accent: #2563eb;
    --card-bg: #ffffff;
    --stat-bg-gray: #f0f2f5;
    --stat-bg-orange: #fff1e6;
    --stat-bg-yellow: #fff8e1;
    --stat-bg-purple: #f3e5f5;
}

[data-theme="dark"] {
    --primary-color: #f9394b;
    --secondary-color: #ffffff;
    --text-dark: #e2e8f0;
    --text-gray: #a0aec0;
    --bg-light: #0f172a;
    --white: #1e293b;
    --border-color: #334155;
    --card-bg: #1e293b;
    --stat-bg-gray: #334155;
    --stat-bg-orange: #4c2e17;
    --stat-bg-yellow: #4d4420;
    --stat-bg-purple: #432b47;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: 'Inter', sans-serif;
}

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

a {
    text-decoration: none;
    color: inherit;
    transition: all 0.3s ease;
}

ul {
    list-style: none;
}

.container {
    max-width: 1500px;
    margin: 0 auto;
    padding: 0 40px;
}

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

.text-red {
    color: var(--primary-color) !important;
}

.text-blue {
    color: var(--blue-accent) !important;
}

.color-primary {
    color: var(--text-dark);
}

.text-dark {
    color: var(--secondary-color);
}

.section-title {
    font-size: 2.5rem;
    color: var(--secondary-color);
    font-weight: 700;
    margin-bottom: 15px;
    line-height: 1.2;
}

.section-subtitle {
    font-size: 1rem;
    color: var(--primary-color);
    font-weight: 600;
    text-transform: uppercase;
    display: block;
    margin-bottom: 10px;
}

.btn {
    display: inline-block;
    padding: 12px 28px;
    border-radius: 5px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    border: none;
}

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

    .btn-primary:hover {
        background-color: var(--primary-dark);
        transform: translateY(-2px);
        box-shadow: 0 4px 10px rgba(249, 57, 75, 0.3);
    }

/* Header - Premium Glassmorphism Design */
.header {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    box-shadow: 0 4px 30px rgba(0,0,0,0.08);
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid rgba(234, 237, 243, 0.5);
    transition: all 0.3s ease;
}

[data-theme="dark"] .header {
    background: rgba(30, 41, 59, 0.95);
    border-bottom: 1px solid rgba(51, 65, 85, 0.5);
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

    .logo h2 {
        color: var(--secondary-color);
        font-weight: 800;
        font-size: 1.8rem;
        letter-spacing: -0.5px;
        background: linear-gradient(135deg, var(--secondary-color) 0%, var(--primary-color) 100%);
        -webkit-background-clip: text;
        -webkit-text-fill-color: transparent;
        background-clip: text;
    }

    .logo span {
        color: var(--primary-color);
        -webkit-text-fill-color: var(--primary-color);
    }

.navbar {
    display: flex;
    align-items: center;
    gap: 25px;
}

.nav-links {
    display: flex;
    gap: 5px;
    background: rgba(244, 246, 250, 0.8);
    padding: 8px;
    border-radius: 50px;
    border: 1px solid var(--border-color);
}

[data-theme="dark"] .nav-links {
    background: rgba(51, 65, 85, 0.5);
    border-color: rgba(71, 85, 105, 0.5);
}

.nav-links a {
    color: var(--secondary-color);
    font-weight: 500;
    font-size: 0.95rem;
    padding: 10px 20px;
    border-radius: 50px;
    position: relative;
    overflow: hidden;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

    .nav-links a::before {
        content: '';
        position: absolute;
        top: 0;
        left: 0;
        width: 100%;
        height: 100%;
        background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
        border-radius: 50px;
        transform: scale(0);
        transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
        z-index: -1;
    }

    .nav-links a:hover, .nav-links a.active {
        color: var(--white);
        transform: translateY(-2px);
    }

        .nav-links a:hover::before, .nav-links a.active::before {
            transform: scale(1);
        }

.theme-toggle {
    background: rgba(244, 246, 250, 0.8);
    border: 1px solid var(--border-color);
    color: var(--secondary-color);
    font-size: 1.2rem;
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    margin-left: 10px;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

[data-theme="dark"] .theme-toggle {
    background: rgba(51, 65, 85, 0.5);
    border-color: rgba(71, 85, 105, 0.5);
}

.theme-toggle:hover {
    color: var(--primary-color);
    background: rgba(249, 57, 75, 0.1);
    border-color: var(--primary-color);
    transform: rotate(15deg) scale(1.1);
}

.mobile-menu-btn {
    display: none;
    font-size: 1.2rem;
    cursor: pointer;
    color: var(--secondary-color);
    margin-left: 12px;
    background: linear-gradient(135deg, rgba(244, 246, 250, 0.9) 0%, rgba(234, 237, 243, 0.9) 100%);
    border: 2px solid var(--border-color);
    padding: 0;
    width: 44px;
    height: 44px;
    border-radius: 12px;
    align-items: center;
    justify-content: center;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 2px 8px rgba(0,0,0,0.08);
}

[data-theme="dark"] .mobile-menu-btn {
    background: linear-gradient(135deg, rgba(51, 65, 85, 0.9) 0%, rgba(71, 85, 105, 0.9) 100%);
    border-color: rgba(71, 85, 105, 0.8);
    color: var(--white);
}

.mobile-menu-btn:hover {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: var(--white);
    border-color: var(--primary-color);
    transform: scale(1.05) rotate(5deg);
    box-shadow: 0 4px 15px rgba(249, 57, 75, 0.3);
}

.mobile-menu-btn:active {
    transform: scale(0.95);
}

/* Banner Slider */
.banner-slider {
    position: relative;
    width: 100%;
    height: 850px;
    overflow: hidden;
    background-color: var(--bg-light);
}

@media (max-width: 992px) {
    .banner-slider {
        height: 550px;
    }
}

@media (max-width: 768px) {
    .banner-slider {
        height: 400px;
    }
}

.slide {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    opacity: 0;
    transition: opacity 0.5s ease-in-out;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--bg-light);
}

    .slide.active {
        opacity: 1;
        z-index: 1;
    }

    .slide img {
        display: block;
        width: 100%;
        height: 100%;
        object-position: center;
    }

.slider-btn {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    background: var(--white);
    color: var(--secondary-color);
    border: none;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    cursor: pointer;
    z-index: 10;
    box-shadow: 0 2px 5px rgba(0,0,0,0.1);
    transition: all 0.3s ease;
}

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

    .slider-btn.prev {
        left: 20px;
    }

    .slider-btn.next {
        right: 20px;
    }

.slider-dots {
    position: absolute;
    bottom: 20px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 10px;
    z-index: 10;
}

.dot {
    width: 12px;
    height: 12px;
    background: rgba(0,0,0,0.2);
    border-radius: 50%;
    cursor: pointer;
    transition: background 0.3s ease;
}

    .dot.active {
        background: var(--primary-color);
    }

/* Stats Section */
.stats-section {
    padding: 20px 0;
    background-color: var(--white);
    border-bottom: 1px solid var(--border-color);
    box-shadow: 0 5px 15px rgba(0,0,0,0.02);
}

.stats-container {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    align-items: center;
}

.stat-item {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 15px;
}

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

    .stat-icon.gray {
        background-color: var(--stat-bg-gray);
    }

    .stat-icon.light-orange {
        background-color: var(--stat-bg-orange);
    }

    .stat-icon.light-yellow {
        background-color: var(--stat-bg-yellow);
    }

    .stat-icon.light-purple {
        background-color: var(--stat-bg-purple);
    }

.stat-text h3 {
    font-size: 1.5rem;
    color: var(--secondary-color);
    margin-bottom: 2px;
}

.stat-text p {
    font-size: 0.85rem;
    color: var(--text-dark);
    font-weight: 600;
}

/* About Section */
.about-section {
    padding: 80px 0;
    background-color: var(--bg-light);
}

.about-container {
    display: flex;
    align-items: center;
    gap: 50px;
}

.about-content {
    flex: 1;
}

    .about-content p {
        margin-bottom: 30px;
        font-size: 1.05rem;
    }

.about-image {
    flex: 1;
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}

.purple-blob {
    position: absolute;
    top: 50%;
    right: -20%;
    transform: translateY(-50%);
    width: 400px;
    height: 400px;
    background-color: #6a0dad;
    border-radius: 50% 50% 50% 50% / 60% 60% 40% 40%;
    z-index: 0;
}

.about-image img {
    max-width: 100%;
    height: auto;
    border-radius: 10px;
    box-shadow: 0 20px 40px rgba(0,0,0,0.1);
    z-index: 1;
    background: white;
    padding: 20px;
}

/* ── Loan Offerings Section ── */
.offerings-section {
    padding: 80px 0;
    background-color: var(--white);
}

.section-header {
    margin-bottom: 50px;
}

/* Default: 3 columns on desktop */
.offerings-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr) !important;
    gap: 30px;
}

.offering-card {
    background: var(--card-bg);
    border: 1px solid #ffe6e8;
    border-radius: 10px;
    padding: 30px;
    transition: all 0.3s ease;
    display: flex;
    gap: 20px;
}

    .offering-card:hover {
        box-shadow: 0 10px 30px rgba(249, 57, 75, 0.08);
        transform: translateY(-5px);
        border-color: var(--primary-color);
    }

.card-icon {
    font-size: 2rem;
    color: var(--blue-accent);
}

.card-content h3 {
    font-size: 1.1rem;
    color: var(--secondary-color);
    margin-bottom: 10px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.card-content p {
    font-size: 0.9rem;
    margin-bottom: 20px;
    line-height: 1.5;
}

.apply-link {
    color: var(--primary-color);
    font-weight: 600;
    font-size: 0.9rem;
}

    .apply-link:hover {
        color: var(--primary-dark);
    }

/* Why Choose Us Section */
.why-us-section {
    padding: 80px 0;
    background-color: var(--bg-light);
}

.why-us-container {
    display: flex;
    align-items: center;
    gap: 60px;
}

.why-us-grid {
    flex: 1.2;
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
}

.why-us-content {
    flex: 1;
}

    .why-us-content p {
        margin-bottom: 30px;
        font-size: 1.05rem;
    }

.feature-card {
    background: var(--card-bg);
    padding: 30px 20px;
    border-radius: 10px;
    box-shadow: 0 5px 20px rgba(0,0,0,0.03);
    text-align: center;
    transition: transform 0.3s ease;
}

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

.mt-card {
    margin-top: 40px;
}

.icon-top {
    font-size: 2rem;
    margin-bottom: 15px;
}

.feature-card h3 {
    font-size: 1.1rem;
    color: var(--secondary-color);
    margin-bottom: 10px;
}

.feature-card p {
    font-size: 0.85rem;
    line-height: 1.5;
}

/* Testimonials Section */
.testimonials-section {
    padding: 80px 0;
    background-color: var(--white);
}

.testimonial-slider-container {
    position: relative;
    max-width: 900px;
    margin: 0 auto;
    overflow: hidden;
    padding: 20px 0;
}

.testimonial-track {
    display: flex;
    transition: transform 0.5s ease;
}

.testimonial-card {
    min-width: 100%;
    padding: 40px;
    background: var(--card-bg);
    border-radius: 10px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
    position: relative;
}

.quote-icon {
    position: absolute;
    bottom: 20px;
    right: 40px;
    font-size: 6rem;
    color: var(--border-color);
    z-index: 0;
}

.test-title {
    font-size: 1.3rem;
    color: var(--secondary-color);
    margin-bottom: 20px;
    position: relative;
    z-index: 1;
}

.test-text {
    font-size: 1.05rem;
    color: var(--text-gray);
    margin-bottom: 30px;
    font-style: italic;
    position: relative;
    z-index: 1;
}

.test-author {
    display: flex;
    align-items: center;
    gap: 15px;
    position: relative;
    z-index: 1;
}

    .test-author img {
        width: 60px;
        height: 60px;
        border-radius: 50%;
        object-fit: cover;
    }

.author-info h4 {
    font-size: 1rem;
    color: var(--text-dark);
}

.author-info span {
    font-size: 0.85rem;
    color: var(--primary-color);
}

.test-controls {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 20px;
    margin-top: 30px;
}

.test-btn {
    width: 35px;
    height: 35px;
    border-radius: 50%;
    background: var(--secondary-color);
    color: var(--white);
    border: none;
    cursor: pointer;
    transition: background 0.3s ease;
}

    .test-btn:hover {
        background: var(--secondary-light);
    }

.test-dots {
    display: flex;
    gap: 8px;
}

.tdot {
    width: 8px;
    height: 8px;
    background: #d1d5db;
    border-radius: 50%;
    cursor: pointer;
}

    .tdot.active {
        background: var(--primary-color);
    }

/* CTA Section */
.cta-section {
    padding: 60px 0;
    background-color: var(--bg-light);
}

.cta-container {
    background-color: var(--secondary-color);
    border-radius: 10px;
    padding: 50px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.cta-content {
    flex: 1;
}

    .cta-content h2 {
        font-size: 2.2rem;
        color: var(--white);
        margin-bottom: 10px;
    }

    .cta-content p {
        color: #a0aec0;
        margin-bottom: 25px;
    }

.cta-image {
    background: #fcd5d5;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

    .cta-image img {
        width: 120px;
    }

/* Footer */
.footer {
    background: linear-gradient(180deg, var(--bg-light) 0%, #e8ecf5 100%);
    padding-top: 80px;
    position: relative;
    overflow: hidden;
}

    .footer::before {
        content: '';
        position: absolute;
        top: 0;
        left: 0;
        right: 0;
        height: 4px;
        background: linear-gradient(90deg, var(--primary-color) 0%, var(--primary-dark) 50%, var(--blue-accent) 100%);
    }

[data-theme="dark"] .footer {
    background: linear-gradient(180deg, var(--bg-light) 0%, #0a0f1c 100%);
}

.footer-container {
    display: flex;
    flex-direction: column;
    gap: 40px;
    padding-bottom: 50px;
}

.footer-social-section {
    text-align: center;
    padding-bottom: 20px;
}

.social-icons {
    display: flex;
    justify-content: center;
    gap: 12px;
}

    .social-icons a {
        width: 42px;
        height: 42px;
        border: 2px solid transparent;
        border-radius: 12px;
        display: flex;
        align-items: center;
        justify-content: center;
        color: var(--white);
        font-size: 1rem;
        background: linear-gradient(135deg, var(--secondary-color) 0%, var(--secondary-light) 100%);
        transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
        position: relative;
        overflow: hidden;
    }

        .social-icons a::before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
            opacity: 0;
            transition: opacity 0.3s ease;
        }

        .social-icons a i {
            position: relative;
            z-index: 1;
        }

        .social-icons a:hover {
            transform: translateY(-4px) scale(1.1);
            box-shadow: 0 8px 20px rgba(249, 57, 75, 0.4);
            border-color: var(--primary-color);
        }

            .social-icons a:hover::before {
                opacity: 1;
            }

.footer-links-section {
    display: flex;
    flex-direction: column;
    gap: 30px;
}

.links-col {
    text-align: left;
}

    .links-col h4 {
        color: var(--secondary-color);
        font-size: 1.15rem;
        font-weight: 700;
        margin-bottom: 20px;
        position: relative;
        padding-bottom: 12px;
    }

        .links-col h4::after {
            content: '';
            position: absolute;
            bottom: 0;
            left: 0;
            width: 40px;
            height: 3px;
            background: linear-gradient(90deg, var(--primary-color) 0%, var(--primary-dark) 100%);
            border-radius: 2px;
        }

    .links-col ul {
        display: block;
    }

        .links-col ul li {
            margin-bottom: 12px;
        }

            .links-col ul li a {
                font-size: 0.95rem;
                color: var(--text-gray);
                display: block;
                transition: all 0.3s ease;
                padding: 5px 0;
                position: relative;
                padding-left: 0;
            }

                .links-col ul li a::before {
                    content: '→';
                    font-size: 0.9rem;
                    color: var(--primary-color);
                    opacity: 0;
                    transform: translateX(-8px);
                    transition: all 0.3s ease;
                    font-weight: 600;
                    margin-right: 5px;
                }

                .links-col ul li a:hover {
                    color: var(--primary-color);
                    padding-left: 12px;
                }

                    .links-col ul li a:hover::before {
                        opacity: 1;
                    }

.support-col {
    text-align: left;
}

    .support-col h4 {
        color: var(--secondary-color);
        font-size: 1.15rem;
        font-weight: 700;
        margin-bottom: 20px;
        position: relative;
        padding-bottom: 12px;
    }

        .support-col h4::after {
            content: '';
            position: absolute;
            bottom: 0;
            left: 0;
            width: 40px;
            height: 3px;
            background: linear-gradient(90deg, var(--primary-color) 0%, var(--primary-dark) 100%);
            border-radius: 2px;
        }

    .support-col ul {
        display: block;
    }

        .support-col ul li {
            margin-bottom: 12px;
        }

            .support-col ul li a {
                font-size: 0.95rem;
                color: var(--text-gray);
                display: block;
                transition: all 0.3s ease;
                padding: 5px 0;
                position: relative;
                padding-left: 0;
            }

                .support-col ul li a::before {
                    content: '→';
                    font-size: 0.9rem;
                    color: var(--primary-color);
                    opacity: 0;
                    transform: translateX(-8px);
                    transition: all 0.3s ease;
                    font-weight: 600;
                    margin-right: 5px;
                }

                .support-col ul li a:hover {
                    color: var(--primary-color);
                    padding-left: 12px;
                }

                    .support-col ul li a:hover::before {
                        opacity: 1;
                    }

                .support-col ul li a.highlight {
                    color: var(--primary-color);
                    font-weight: 500;
                }

.contact-col {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid var(--border-color);
}

.contact-item {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    margin-bottom: 15px;
    font-size: 0.95rem;
    color: var(--text-gray);
    flex-wrap: wrap;
}

    .contact-item i {
        color: var(--primary-color);
        font-size: 1rem;
        min-width: 18px;
    }

    .contact-item span {
        line-height: 1.5;
    }

.footer-bottom {
    padding: 25px 0;
    text-align: center;
    background: rgba(0,0,0,0.02);
    border-top: 1px solid var(--border-color);
}

[data-theme="dark"] .footer-bottom {
    background: rgba(255,255,255,0.02);
}

.footer-bottom p {
    font-size: 0.9rem;
    color: var(--text-gray);
}

.footer-bottom .brand-name {
    color: var(--primary-color);
    font-weight: 600;
}

/* Responsive: Desktop */
@media (min-width: 992px) {
    .footer-container {
        display: grid;
        grid-template-columns: 2fr 1fr;
        gap: 60px;
        align-items: start;
    }

    .footer-social-section {
        grid-column: 1 / -1;
        order: 1;
    }

    .footer-links-section {
        order: 2;
        display: flex;
        flex-direction: row;
        gap: 60px;
    }

    .links-col, .support-col {
        flex: 1;
    }

        .links-col ul,
        .support-col ul {
            display: block;
        }

    .contact-col {
        order: 3;
        text-align: left;
        border-top: none;
        border-left: 1px solid var(--border-color);
        padding-left: 40px;
        padding-top: 0;
    }

    .contact-item {
        justify-content: flex-start;
    }
}

/* Scroll-to-Top Button */
.scroll-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: var(--white);
    width: 50px;
    height: 50px;
    display: none;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    box-shadow: 0 8px 25px rgba(249, 57, 75, 0.4);
    z-index: 100;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    border: none;
    cursor: pointer;
}

    .scroll-top:hover {
        transform: translateY(-5px) scale(1.1);
        box-shadow: 0 12px 35px rgba(249, 57, 75, 0.5);
    }

    .scroll-top i {
        font-size: 1.2rem;
        animation: bounce 2s infinite;
    }

@keyframes bounce {
    0%, 20%, 50%, 80%, 100% {
        transform: translateY(0);
    }

    40% {
        transform: translateY(-5px);
    }

    60% {
        transform: translateY(-3px);
    }
}

/* ================================================
   HOME PAGE ENHANCEMENT STYLES
================================================ */

/* ── Stats Section Upgrade ── */
.stats-section {
    padding: 0;
    background: var(--white);
    border-bottom: none;
    box-shadow: none;
}

.stats-container {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    background: var(--white);
    border-radius: 0 0 20px 20px;
    box-shadow: 0 8px 40px rgba(34,47,70,0.10);
    overflow: hidden;
    border: 1px solid var(--border-color);
    border-top: none;
}

.stat-item {
    display: flex;
    align-items: center;
    gap: 18px;
    padding: 28px 32px;
    border-right: 1px solid var(--border-color);
    transition: background 0.3s ease;
    position: relative;
}

    .stat-item:last-child {
        border-right: none;
    }

    .stat-item::after {
        content: '';
        position: absolute;
        bottom: 0;
        left: 0;
        right: 0;
        height: 3px;
        background: linear-gradient(90deg, var(--primary-color), var(--primary-dark));
        transform: scaleX(0);
        transition: transform 0.3s ease;
    }

    .stat-item:hover::after {
        transform: scaleX(1);
    }

    .stat-item:hover {
        background: var(--bg-light);
    }

.stat-icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    flex-shrink: 0;
    font-size: 1.4rem;
}

.stat-text h3 {
    font-size: 1.7rem;
    font-weight: 800;
    line-height: 1;
    margin-bottom: 4px;
}

.stat-text p {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--text-gray);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* ── About Section Upgrade ── */
.about-section {
    padding: 100px 0;
    background: var(--bg-light);
    position: relative;
    overflow: hidden;
}

    .about-section::before {
        content: '';
        position: absolute;
        top: -120px;
        right: -120px;
        width: 500px;
        height: 500px;
        background: radial-gradient(circle, rgba(249,57,75,0.05) 0%, transparent 70%);
        pointer-events: none;
    }

.about-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(249,57,75,0.08);
    border: 1px solid rgba(249,57,75,0.2);
    color: var(--primary-color);
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 6px 14px;
    border-radius: 20px;
    margin-bottom: 18px;
}

.about-content h2 {
    font-size: 2.6rem;
    font-weight: 800;
    color: var(--secondary-color);
    line-height: 1.15;
    margin-bottom: 20px;
}

    .about-content h2 span {
        color: var(--primary-color);
    }

.about-content > p {
    font-size: 1rem;
    line-height: 1.8;
    color: var(--text-gray);
    margin-bottom: 32px;
    max-width: 520px;
}

.about-highlights {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-bottom: 36px;
}

.highlight-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.9rem;
    color: var(--text-dark);
    font-weight: 500;
}

    .highlight-item i {
        color: var(--primary-color);
        font-size: 1rem;
        margin-top: 2px;
        flex-shrink: 0;
    }

.about-cta-row {
    display: flex;
    align-items: center;
    gap: 20px;
}

.btn-outline {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 24px;
    border: 2px solid var(--secondary-color);
    border-radius: 5px;
    color: var(--secondary-color);
    font-weight: 600;
    font-size: 0.95rem;
    transition: all 0.3s ease;
}

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

.about-trust {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.85rem;
    color: var(--text-gray);
}

.star-row {
    color: #f59e0b;
    letter-spacing: 1px;
    font-size: 0.9rem;
}

.about-image-wrap {
    position: relative;
    flex: 1;
}

.about-img-card {
    background: var(--white);
    border-radius: 20px;
    padding: 24px;
    box-shadow: 0 24px 60px rgba(34,47,70,0.12);
    position: relative;
    z-index: 1;
}

    .about-img-card img {
        width: 100%;
        height: auto;
        border-radius: 12px;
        display: block;
    }

.about-float-badge {
    position: absolute;
    background: var(--white);
    border-radius: 14px;
    padding: 12px 18px;
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
    display: flex;
    align-items: center;
    gap: 10px;
    z-index: 2;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-dark);
}

    .about-float-badge.top-left {
        top: -18px;
        left: -18px;
    }

    .about-float-badge.bottom-right {
        bottom: -18px;
        right: -18px;
    }

.badge-icon {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
}

    .badge-icon.green {
        background: #dcfce7;
        color: #16a34a;
    }

    .badge-icon.orange {
        background: #fff7ed;
        color: #ea580c;
    }

/* ── Loan Offerings Upgrade ── */
.offerings-section {
    padding: 100px 0;
    background: var(--white);
}

.section-tag {
    display: inline-block;
    background: rgba(249,57,75,0.08);
    border: 1px solid rgba(249,57,75,0.2);
    color: var(--primary-color);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 5px 14px;
    border-radius: 20px;
    margin-bottom: 14px;
}

/* ── OFFERINGS GRID: 3 cols desktop, 2 cols tablet, 1 col mobile ── */
.offerings-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr) !important;
    gap: 24px;
}

.offering-card {
    background: var(--card-bg);
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 32px 28px;
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    display: flex;
    flex-direction: column;
    gap: 0;
    position: relative;
    overflow: hidden;
}

    .offering-card::before {
        content: '';
        position: absolute;
        top: 0;
        left: 0;
        right: 0;
        height: 3px;
        background: linear-gradient(90deg, var(--primary-color), var(--blue-accent));
        transform: scaleX(0);
        transition: transform 0.35s ease;
    }

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

    .offering-card:hover {
        box-shadow: 0 20px 50px rgba(249,57,75,0.10);
        transform: translateY(-6px);
        border-color: transparent;
    }

.card-icon-wrap {
    width: 58px;
    height: 58px;
    border-radius: 16px;
    background: linear-gradient(135deg, #eff6ff, #dbeafe);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: var(--blue-accent);
    margin-bottom: 20px;
    transition: all 0.3s ease;
}

.offering-card:hover .card-icon-wrap {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    color: var(--white);
    transform: scale(1.08);
}

.card-content h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--secondary-color);
    margin-bottom: 10px;
    letter-spacing: 0.3px;
}

.card-content p {
    font-size: 0.88rem;
    line-height: 1.65;
    margin-bottom: 22px;
    color: var(--text-gray);
}

.card-rate {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 16px;
    border-top: 1px solid var(--border-color);
    margin-top: auto;
}

.rate-pill {
    background: #f0fdf4;
    color: #16a34a;
    border: 1px solid #bbf7d0;
    font-size: 0.78rem;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 20px;
}

.apply-link {
    color: var(--primary-color);
    font-weight: 700;
    font-size: 0.88rem;
    display: flex;
    align-items: center;
    gap: 4px;
    transition: gap 0.2s ease;
}

    .apply-link:hover {
        gap: 8px;
    }

/* ── Process Section ── */
.process-section {
    padding: 100px 0;
    background: var(--secondary-color);
    position: relative;
    overflow: hidden;
}

    .process-section::before {
        content: '';
        position: absolute;
        top: -200px;
        right: -200px;
        width: 600px;
        height: 600px;
        background: radial-gradient(circle, rgba(249,57,75,0.08) 0%, transparent 65%);
    }

    .process-section .section-title {
        color: var(--white);
    }

    .process-section .section-tag {
        background: rgba(249,57,75,0.15);
        border-color: rgba(249,57,75,0.3);
    }

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    margin-top: 60px;
    position: relative;
}

    .process-grid::before {
        content: '';
        position: absolute;
        top: 36px;
        left: 12.5%;
        width: 75%;
        height: 2px;
        background: linear-gradient(90deg, rgba(249,57,75,0.5), rgba(37,99,235,0.5));
        z-index: 0;
    }

.process-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    position: relative;
    z-index: 1;
}

.step-number {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    color: var(--white);
    font-size: 1.4rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    box-shadow: 0 8px 24px rgba(249,57,75,0.35);
    transition: transform 0.3s ease;
}

.process-step:hover .step-number {
    transform: scale(1.12);
}

.process-step h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 10px;
}

.process-step p {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.65);
    line-height: 1.6;
}

/* ── Why Us Upgrade ── */
.why-us-section {
    padding: 100px 0;
    background: var(--bg-light);
}

.feature-card {
    background: var(--card-bg);
    padding: 32px 24px;
    border-radius: 16px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.04);
    text-align: center;
    transition: all 0.3s ease;
    border: 1px solid var(--border-color);
}

    .feature-card:hover {
        transform: translateY(-5px);
        box-shadow: 0 16px 40px rgba(37,99,235,0.10);
        border-color: var(--blue-accent);
    }

.feature-icon-wrap {
    width: 64px;
    height: 64px;
    border-radius: 18px;
    background: linear-gradient(135deg, #eff6ff, #dbeafe);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    color: var(--blue-accent);
    margin: 0 auto 18px;
    transition: all 0.3s ease;
}

.feature-card:hover .feature-icon-wrap {
    background: linear-gradient(135deg, var(--blue-accent), #1d4ed8);
    color: var(--white);
    transform: rotate(-5deg) scale(1.08);
}

.feature-card h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--secondary-color);
    margin-bottom: 10px;
}

.feature-card p {
    font-size: 0.85rem;
    line-height: 1.6;
}

/* ── Loan Calculator ── */
.calculator-section {
    padding: 100px 0;
    background: var(--white);
}

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

.calc-left h2 {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--secondary-color);
    margin-bottom: 14px;
    line-height: 1.2;
}

.calc-left p {
    font-size: 0.95rem;
    color: var(--text-gray);
    margin-bottom: 30px;
    line-height: 1.75;
}

.calc-card {
    background: var(--card-bg);
    border: 1px solid var(--border-color);
    border-radius: 20px;
    padding: 36px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.06);
}

    .calc-card h3 {
        font-size: 1.1rem;
        font-weight: 700;
        color: var(--secondary-color);
        margin-bottom: 28px;
        padding-bottom: 16px;
        border-bottom: 1px solid var(--border-color);
    }

.calc-field {
    margin-bottom: 24px;
}

    .calc-field label {
        display: flex;
        justify-content: space-between;
        font-size: 0.88rem;
        font-weight: 600;
        color: var(--text-dark);
        margin-bottom: 10px;
    }

        .calc-field label span {
            color: var(--primary-color);
            font-weight: 700;
            font-size: 0.95rem;
        }

.calc-slider {
    -webkit-appearance: none;
    width: 100%;
    height: 5px;
    border-radius: 5px;
    background: linear-gradient(90deg, var(--primary-color) var(--val, 50%), var(--border-color) var(--val, 50%));
    outline: none;
    cursor: pointer;
}

    .calc-slider::-webkit-slider-thumb {
        -webkit-appearance: none;
        width: 20px;
        height: 20px;
        border-radius: 50%;
        background: var(--primary-color);
        border: 3px solid var(--white);
        box-shadow: 0 2px 8px rgba(249,57,75,0.4);
        cursor: pointer;
    }

.calc-result {
    background: linear-gradient(135deg, var(--secondary-color), var(--secondary-light));
    border-radius: 12px;
    padding: 20px 24px;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    margin-top: 8px;
}

.result-item {
    text-align: center;
    padding: 0 16px;
    border-right: 1px solid rgba(255,255,255,0.12);
}

    .result-item:last-child {
        border-right: none;
    }

    .result-item p {
        font-size: 0.75rem;
        color: rgba(255,255,255,0.6);
        text-transform: uppercase;
        letter-spacing: 0.5px;
        margin-bottom: 6px;
    }

    .result-item h4 {
        font-size: 1.2rem;
        font-weight: 800;
        color: var(--white);
    }

        .result-item h4.highlight-val {
            color: #fbbf24;
        }

/* ── Testimonials Upgrade ── */
.testimonials-section {
    padding: 100px 0;
    background: var(--bg-light);
}

.testimonial-card {
    padding: 36px;
    border-radius: 16px;
    border: 1px solid var(--border-color);
}

.stars {
    color: #f59e0b;
    margin-bottom: 16px;
    font-size: 1rem;
    letter-spacing: 2px;
}

.test-title {
    font-size: 1.2rem;
}

/* ── Partners Section ── */
.partners-section {
    padding: 70px 0;
    background: var(--white);
    border-top: 1px solid var(--border-color);
}

    .partners-section .section-label {
        text-align: center;
        font-size: 0.8rem;
        font-weight: 700;
        text-transform: uppercase;
        letter-spacing: 2px;
        color: var(--text-gray);
        margin-bottom: 36px;
    }

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

.partner-logo {
    background: var(--bg-light);
    border: 1px solid var(--border-color);
    border-radius: 12px;
    padding: 16px 28px;
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text-gray);
    letter-spacing: 0.5px;
    transition: all 0.3s ease;
}

    .partner-logo:hover {
        border-color: var(--primary-color);
        color: var(--primary-color);
        background: rgba(249,57,75,0.04);
        transform: translateY(-2px);
    }

/* ── CTA Upgrade ── */
.cta-section {
    padding: 80px 0;
    background: var(--bg-light);
}

.cta-container {
    background: linear-gradient(135deg, var(--secondary-color) 0%, #1a2740 100%);
    border-radius: 20px;
    padding: 60px 70px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    position: relative;
    overflow: hidden;
}

    .cta-container::before {
        content: '';
        position: absolute;
        top: -80px;
        right: 200px;
        width: 280px;
        height: 280px;
        background: radial-gradient(circle, rgba(249,57,75,0.15) 0%, transparent 65%);
    }

.cta-content {
    flex: 1;
    position: relative;
    z-index: 1;
}

    .cta-content h2 {
        font-size: 2.2rem;
        color: var(--white);
        font-weight: 800;
        margin-bottom: 12px;
        line-height: 1.2;
    }

    .cta-content p {
        color: rgba(255,255,255,0.65);
        margin-bottom: 30px;
        font-size: 1rem;
    }

.cta-btns {
    display: flex;
    gap: 14px;
    align-items: center;
}

.btn-white {
    background: var(--white);
    color: var(--secondary-color);
    font-weight: 700;
    padding: 13px 28px;
    border-radius: 8px;
    transition: all 0.3s ease;
    border: none;
    font-size: 0.95rem;
}

    .btn-white:hover {
        transform: translateY(-2px);
        box-shadow: 0 8px 20px rgba(255,255,255,0.2);
    }

.btn-ghost {
    border: 2px solid rgba(255,255,255,0.3);
    color: var(--white);
    font-weight: 600;
    padding: 12px 26px;
    border-radius: 8px;
    font-size: 0.95rem;
    transition: all 0.3s ease;
}

    .btn-ghost:hover {
        border-color: rgba(255,255,255,0.7);
        background: rgba(255,255,255,0.08);
    }

.cta-stats {
    display: flex;
    gap: 36px;
    position: relative;
    z-index: 1;
}

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

    .cta-stat h3 {
        font-size: 2rem;
        font-weight: 800;
        color: var(--white);
        line-height: 1;
    }

        .cta-stat h3 span {
            color: var(--primary-color);
        }

    .cta-stat p {
        font-size: 0.78rem;
        color: rgba(255,255,255,0.55);
        text-transform: uppercase;
        letter-spacing: 0.5px;
        margin-top: 6px;
    }

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

@media (max-width: 1200px) {
    .container {
        padding: 0 30px;
    }

    .stats-container {
        gap: 20px;
    }

    .section-title {
        font-size: 2rem;
    }
}

/* ── Tablet: 993px – 1200px ── */
@media (max-width: 992px) {

    /* Offerings: 2 columns on tablet */
    .offerings-grid {
        grid-template-columns: repeat(2, 1fr) !important;
        gap: 20px;
    }

    .offering-card {
        padding: 24px 20px;
        flex-direction: column;
    }

    .stats-container {
        grid-template-columns: repeat(2, 1fr);
    }

    .stat-item {
        border-bottom: 1px solid var(--border-color);
    }

    .process-grid {
        grid-template-columns: repeat(2, 1fr);
    }

        .process-grid::before {
            display: none;
        }

    .calculator-wrap {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .cta-container {
        flex-direction: column;
        padding: 40px;
    }

    .cta-stats {
        gap: 24px;
    }

    .about-float-badge {
        display: none;
    }

    .about-container, .why-us-container {
        flex-direction: column;
        gap: 40px;
    }

    .about-image {
        order: -1;
    }

        .about-image img {
            max-width: 80%;
        }

    .why-us-grid {
        order: 2;
    }

    .why-us-content {
        order: 1;
        text-align: center;
    }

    .purple-blob {
        display: none;
    }

    .testimonial-card {
        padding: 25px;
    }

    .quote-icon {
        font-size: 3rem;
        right: 20px;
        bottom: 10px;
    }
}

/* ── Mobile: up to 768px ── */
@media (max-width: 768px) {
    .container {
        padding: 0 15px;
    }

    /* Offerings: 1 column on mobile */
    .offerings-grid {
        grid-template-columns: 1fr !important;
        gap: 16px;
    }

    .offering-card {
        padding: 20px 16px;
        flex-direction: column;
    }

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

    .mobile-menu-btn {
        display: flex !important;
    }

    .nav-container {
        height: 70px;
    }

    .logo h2 {
        font-size: 1.5rem;
    }

    .theme-toggle {
        width: 38px;
        height: 38px;
        font-size: 1.1rem;
    }

    .section-title {
        font-size: 1.6rem;
    }

    .section-subtitle {
        font-size: 0.85rem;
    }

    .about-section, .offerings-section, .process-section,
    .why-us-section, .calculator-section, .testimonials-section,
    .partners-section, .cta-section {
        padding: 60px 0;
    }

    .about-content h2 {
        font-size: 1.8rem;
    }

    .about-highlights {
        grid-template-columns: 1fr;
    }

    .about-cta-row {
        flex-direction: column;
        align-items: flex-start;
    }

    .about-image img {
        max-width: 100%;
        padding: 10px;
    }

    .stats-container {
        grid-template-columns: 1fr 1fr;
        gap: 0;
    }

    .stat-item {
        padding: 16px;
        gap: 12px;
    }

    .stat-icon {
        width: 45px;
        height: 45px;
        font-size: 1.2rem;
    }

    .stat-text h3 {
        font-size: 1.2rem;
    }

    .stat-text p {
        font-size: 0.75rem;
    }

    .process-grid {
        grid-template-columns: 1fr 1fr;
    }

    .calc-result {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .result-item {
        border-right: none;
        border-bottom: 1px solid rgba(255,255,255,0.12);
        padding: 12px 0;
    }

        .result-item:last-child {
            border-bottom: none;
        }

    .cta-container {
        padding: 30px 20px;
    }

    .cta-content h2 {
        font-size: 1.5rem;
    }

    .cta-btns {
        flex-direction: column;
        align-items: flex-start;
        gap: 10px;
    }

    .why-us-grid {
        grid-template-columns: 1fr;
        gap: 15px;
    }

    .feature-card {
        padding: 20px 15px;
    }

        .feature-card h3 {
            font-size: 1rem;
        }

        .feature-card p {
            font-size: 0.8rem;
        }

    .mt-card {
        margin-top: 0;
    }

    .testimonial-card {
        padding: 20px;
    }

    .test-title {
        font-size: 1.1rem;
    }

    .test-text {
        font-size: 0.9rem;
    }

    .test-author img {
        width: 45px;
        height: 45px;
    }

    .author-info h4 {
        font-size: 0.9rem;
    }

    .test-controls {
        gap: 15px;
    }

    .test-btn {
        width: 30px;
        height: 30px;
    }

    .btn {
        padding: 10px 20px;
        font-size: 0.9rem;
    }

    .slider-btn {
        width: 35px;
        height: 35px;
    }

        .slider-btn.prev {
            left: 10px;
        }

        .slider-btn.next {
            right: 10px;
        }

    .dot {
        width: 10px;
        height: 10px;
    }

    .scroll-top {
        width: 45px;
        height: 45px;
        bottom: 20px;
        right: 20px;
    }

    .quote-icon {
        font-size: 2.5rem;
        right: 15px;
        bottom: 5px;
    }

    .card-content h3 {
        font-size: 1rem;
    }

    .card-content p {
        font-size: 0.85rem;
    }

    .slide-content h1 {
        font-size: 1.8rem;
    }

    .slide {
        height: 300px;
    }
}

/* ── Small Mobile: up to 480px ── */
@media (max-width: 480px) {
    .logo h2 {
        font-size: 1.4rem;
    }

    .section-title {
        font-size: 1.3rem;
    }

    /* Ensure 1 column stays at smallest screens */
    .offerings-grid {
        grid-template-columns: 1fr !important;
    }

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

    .stat-item {
        justify-content: flex-start;
        padding: 8px;
    }

    .process-grid {
        grid-template-columns: 1fr;
    }

    .cta-stats {
        flex-direction: column;
        gap: 16px;
    }

    .about-content p, .why-us-content p {
        font-size: 0.9rem;
    }

    .cta-content h2 {
        font-size: 1.2rem;
    }

    .contact-col p {
        font-size: 0.85rem;
    }

    .footer-links-section {
        gap: 20px;
    }

    .links-col h4,
    .support-col h4 {
        font-size: 1rem;
    }

    .links-col ul li a,
    .support-col ul li a {
        font-size: 0.9rem;
    }

    .social-icons a {
        width: 40px;
        height: 40px;
        font-size: 1rem;
    }

    .contact-item {
        font-size: 0.9rem;
    }

    .footer-bottom p {
        font-size: 0.8rem;
    }
}