:root {
  --navy: #08153f;
  --navy-2: #10215f;
  --navy-3: #18378d;
  --gold: #cfa647;
  --gold-light: #ebcf8a;
  --gold-soft: #f8f1df;
  --white: #ffffff;
  --bg: #f8fafc;
  --bg-soft: #f4f7fb;
  --text: #1d2746;
  --muted: #667085;
  --line: #e7ecf3;
  --shadow: 0 20px 50px rgba(10, 25, 61, 0.1);
  --shadow-2: 0 12px 30px rgba(11, 21, 63, 0.08);
  --radius: 24px;
  --transition: all 0.35s ease;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Segoe UI", Arial, sans-serif;
  background: var(--white);
  color: var(--text);
  line-height: 1.7;
  overflow-x: hidden;
}

.container {
  width: min(1180px, 92%);
  margin: auto;
}

a {
  text-decoration: none;
}

ul {
  list-style: none;
}

/* ═══════════════════════════════
   HEADER
═══════════════════════════════ */
.header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(230, 234, 242, 0.8);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  position: relative;
}

.logo-wrap {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}

.logo {
  width: 64px;
  height: 64px;
  object-fit: contain;
  flex-shrink: 0;
}

.brand h2 {
  color: var(--navy);
  font-size: 1.35rem;
  line-height: 1.1;
}

.brand h2 span {
  color: var(--gold);
}

.brand p {
  color: var(--muted);
  font-size: 0.95rem;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 22px;
}

.nav-links a {
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  position: relative;
  white-space: nowrap;
}

.nav-links a::after {
  content: "";
  position: absolute;
  bottom: -6px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: var(--transition);
}

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

.menu-toggle {
  display: none;
  border: none;
  background: none;
  color: var(--navy);
  font-size: 1.8rem;
  cursor: pointer;
  padding: 4px 8px;
  line-height: 1;
  z-index: 1001;
  position: relative;
}

/* ═══════════════════════════════
   HERO
═══════════════════════════════ */
.hero {
  position: relative;
  overflow: hidden;
  background: radial-gradient(
      circle at top left,
      rgba(207, 166, 71, 0.16),
      transparent 26%
    ),
    linear-gradient(135deg, var(--navy), var(--navy-2));
  color: white;
  padding: 110px 0 90px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.9fr;
  gap: 42px;
  align-items: center;
}

.hero-bg-circle {
  position: absolute;
  border-radius: 50%;
  filter: blur(40px);
  opacity: 0.18;
  pointer-events: none;
}

.hero-circle-1 {
  width: 280px;
  height: 280px;
  background: var(--gold);
  top: -50px;
  right: -70px;
}

.hero-circle-2 {
  width: 220px;
  height: 220px;
  background: #6d8fff;
  left: -60px;
  bottom: -50px;
}

.badge {
  display: inline-block;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.14);
  padding: 10px 18px;
  border-radius: 999px;
  color: var(--gold-light);
  font-weight: 600;
  font-size: 0.88rem;
  margin-bottom: 18px;
}

.hero-content h1 {
  font-size: 3.2rem;
  line-height: 1.15;
  margin-bottom: 18px;
}

.hero-content h1 span {
  color: var(--gold-light);
}

.hero-content p {
  color: #dde5ff;
  margin-bottom: 28px;
  max-width: 700px;
}

.hero-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 22px;
}

/* ═══════════════════════════════
   BUTTONS
═══════════════════════════════ */
.btn {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  padding: 14px 22px;
  border-radius: 999px;
  font-weight: 700;
  transition: var(--transition);
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 0.95rem;
  text-align: center;
  line-height: 1.2;
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  box-shadow: 0 10px 22px rgba(207, 166, 71, 0.25);
}

.btn-gold:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 28px rgba(207, 166, 71, 0.35);
}

.btn-outline {
  border: 1.5px solid rgba(255, 255, 255, 0.3);
  color: white;
  background: transparent;
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.09);
}

.btn-light {
  background: rgba(255, 255, 255, 0.11);
  color: white;
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.btn-light:hover {
  background: rgba(255, 255, 255, 0.2);
}

.btn-dark-gold {
  background: var(--navy);
  color: var(--gold-light);
  padding: 16px 32px;
  font-size: 1rem;
  white-space: nowrap;
}

.btn-dark-gold:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(8, 21, 63, 0.3);
}

/* ═══════════════════════════════
   HERO MINI POINTS
═══════════════════════════════ */
.hero-mini-points {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

.hero-mini-points span {
  color: #dbe4ff;
  font-size: 0.92rem;
  padding-left: 16px;
  position: relative;
}

.hero-mini-points span::before {
  content: "";
  position: absolute;
  left: 0;
  top: 9px;
  width: 7px;
  height: 7px;
  background: var(--gold);
  border-radius: 50%;
}

/* ═══════════════════════════════
   HERO INFO CARD
═══════════════════════════════ */
.hero-info-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(14px);
  border-radius: 28px;
  padding: 30px;
  box-shadow: var(--shadow);
}

.hero-info-card h3 {
  color: var(--gold-light);
  margin-bottom: 18px;
  font-size: 1.4rem;
}

.hero-info-item {
  padding: 16px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

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

.hero-info-item strong {
  display: block;
  margin-bottom: 6px;
}

.hero-info-item p {
  margin: 0;
  color: #d7def8;
}

/* ═══════════════════════════════
   PAGE BANNER
═══════════════════════════════ */
.page-banner {
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: white;
  padding: 88px 0 68px;
  text-align: center;
}

.page-banner h1 {
  font-size: 2.9rem;
  margin-bottom: 10px;
  line-height: 1.2;
}

.page-banner p {
  max-width: 820px;
  margin: 0 auto;
  color: #dde5ff;
  line-height: 1.7;
}

/* ═══════════════════════════════
   SECTIONS
═══════════════════════════════ */
.section {
  padding: 80px 0;
}

.section-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 34px;
  align-items: center;
}

.section-tag {
  display: inline-block;
  color: var(--gold);
  background: var(--gold-soft);
  padding: 8px 15px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.85rem;
  margin-bottom: 18px;
}

.section-tag.light {
  background: rgba(255, 255, 255, 0.12);
  color: var(--gold-light);
}

.text-block h2,
.section-heading h2 {
  font-size: 2.4rem;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 16px;
}

.text-block p,
.section-heading p {
  color: var(--muted);
  margin-bottom: 14px;
}

.section-heading.center {
  text-align: center;
  max-width: 920px;
  margin: 0 auto 36px;
}

/* ═══════════════════════════════
   SHARED CARD BASE
═══════════════════════════════ */
.panel-card,
.info-card,
.service-card,
.forte-card,
.team-card,
.blog-card,
.partner-logo,
.faq-item,
.contact-right,
.contact-box,
.testimonial-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-2);
}

.panel-card {
  padding: 34px;
  box-shadow: var(--shadow);
}

.panel-card h3,
.info-card h3,
.service-card h3,
.forte-card h3,
.team-card h3,
.blog-card h3,
.testimonial-card h4 {
  color: var(--navy);
  margin-bottom: 12px;
}

.panel-card p,
.info-card p,
.service-card p,
.forte-card p,
.team-card p,
.blog-card p,
.testimonial-card p {
  color: var(--muted);
}

.panel-card ul li {
  padding: 12px 0 12px 26px;
  border-bottom: 1px dashed #e5eaf1;
  position: relative;
}

.panel-card ul li:last-child {
  border-bottom: none;
}

.panel-card ul li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

/* ═══════════════════════════════
   DARK SECTION
═══════════════════════════════ */
.dark-section {
  background: linear-gradient(135deg, var(--navy), #0e1f59);
  color: white;
}

.dark-section .section-heading h2,
.dark-section .section-heading p {
  color: white;
}

/* ═══════════════════════════════
   GRIDS
═══════════════════════════════ */
.finance-grid,
.services-grid,
.forte-grid,
.cards-grid,
.team-grid,
.blog-grid,
.testimonial-grid,
.partner-grid {
  display: grid;
  gap: 22px;
}

.finance-grid,
.services-grid,
.cards-grid,
.blog-grid,
.testimonial-grid {
  grid-template-columns: repeat(3, 1fr);
}

.forte-grid {
  grid-template-columns: repeat(4, 1fr);
}

.forte-grid.forte-grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.team-grid,
.partner-grid {
  grid-template-columns: repeat(4, 1fr);
}

/* ═══════════════════════════════
   FEATURE CARD (dark bg)
═══════════════════════════════ */
.feature-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 24px;
  padding: 28px;
  transition: var(--transition);
}

.feature-card h3 {
  color: white;
  margin-bottom: 12px;
}

.feature-card p {
  color: #d7def8;
}

/* ═══════════════════════════════
   COMMON CARD INTERACTIONS
═══════════════════════════════ */
.info-card,
.service-card,
.forte-card,
.team-card,
.blog-card,
.testimonial-card {
  padding: 28px;
  transition: var(--transition);
}

.info-card:hover,
.service-card:hover,
.forte-card:hover,
.team-card:hover,
.blog-card:hover,
.feature-card:hover,
.partner-logo:hover,
.panel-card:hover,
.testimonial-card:hover {
  transform: translateY(-6px);
}

/* ═══════════════════════════════
   FORTE SECTION
═══════════════════════════════ */
.forte-section {
  background: linear-gradient(180deg, #fcfdff 0%, #f5f8fc 100%);
}

.forte-icon,
.team-avatar {
  width: 58px;
  height: 58px;
  border-radius: 18px;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  color: var(--gold-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  margin-bottom: 18px;
}

/* ═══════════════════════════════
   PARTNER LOGOS
═══════════════════════════════ */
.partner-logo {
  background: white;
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 24px;
  display: flex;
  justify-content: center;
  align-items: center;
  min-height: 120px;
  box-shadow: var(--shadow-2);
  transition: var(--transition);
}

.partner-logo img {
  max-width: 140px;
  max-height: 60px;
  width: auto;
  height: auto;
  object-fit: contain;
}

.partner-logo:hover {
  transform: translateY(-6px);
}

/* ═══════════════════════════════
   TESTIMONIALS
═══════════════════════════════ */
.testimonial-role {
  color: var(--gold);
  font-size: 0.92rem;
  font-weight: 700;
  margin-bottom: 10px;
  display: block;
}

/* ═══════════════════════════════
   FAQ
═══════════════════════════════ */
.faq-list {
  max-width: 900px;
  margin: 0 auto;
}

.faq-item {
  margin-bottom: 16px;
  overflow: hidden;
  border-radius: var(--radius);
}

.faq-question {
  width: 100%;
  background: white;
  border: none;
  padding: 22px;
  text-align: left;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  color: var(--navy);
  font-family: inherit;
  line-height: 1.4;
}

.faq-answer {
  display: none;
  padding: 0 22px 22px;
  color: var(--muted);
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  display: block;
}

/* ═══════════════════════════════
   CONTACT
═══════════════════════════════ */
.contact-section {
  background: var(--bg-soft);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}

.contact-box {
  padding: 20px;
  margin-top: 16px;
}

.contact-box h4 {
  color: var(--navy);
  margin-bottom: 8px;
}

.contact-box p {
  color: var(--muted);
}

.contact-right {
  padding: 30px;
  box-shadow: var(--shadow);
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  padding: 15px 16px;
  border: 1px solid #d9e0ea;
  border-radius: 14px;
  outline: none;
  font-size: 1rem;
  font-family: inherit;
  color: var(--text);
  background: #fafbfd;
  transition: var(--transition);
}

.contact-form input:focus,
.contact-form textarea:focus,
.contact-form select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(207, 166, 71, 0.12);
}

.full-width {
  width: 100%;
}

/* ═══════════════════════════════
   CTA STRIP
═══════════════════════════════ */
.cta-strip {
  padding: 20px 0 80px;
}

.cta-strip-inner {
  background: linear-gradient(135deg, #f4e5bf, #fff5dd);
  border: 1px solid #ead5a2;
  box-shadow: var(--shadow);
  border-radius: 28px;
  padding: 40px 44px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 32px;
}

.cta-text {
  flex: 1;
  min-width: 0;
}

.cta-text .section-tag {
  margin-bottom: 12px;
}

.cta-text h2 {
  color: var(--navy);
  font-size: 1.8rem;
  line-height: 1.3;
  margin: 0;
}

.cta-action {
  flex-shrink: 0;
  display: flex;
  align-items: center;
}

/* ═══════════════════════════════
   FOOTER
═══════════════════════════════ */
.footer {
  background: #07112d;
  color: white;
  padding-top: 70px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.7fr 1fr 1fr 1fr;
  gap: 26px;
  padding-bottom: 36px;
}

.footer h3,
.footer h4 {
  color: var(--gold-light);
  margin-bottom: 14px;
}

.footer p,
.footer li {
  color: #cdd6f7;
  margin-bottom: 10px;
  font-size: 0.95rem;
}

.footer a {
  color: #cdd6f7;
}

.footer a:hover {
  color: var(--gold-light);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  text-align: center;
  padding: 18px 0;
  color: #bfc8ea;
  font-size: 0.9rem;
}

/* ═══════════════════════════════
   WHATSAPP FLOAT
═══════════════════════════════ */
.whatsapp-float {
  position: fixed;
  right: 22px;
  bottom: 22px;
  width: 62px;
  height: 62px;
  border-radius: 50%;
  background: #25d366;
  display: flex;
  justify-content: center;
  align-items: center;
  box-shadow: 0 12px 25px rgba(37, 211, 102, 0.35);
  z-index: 999;
  transition: 0.3s ease;
  animation: whatsappPulse 1.8s infinite;
  overflow: hidden;
}

.whatsapp-float:hover {
  transform: translateY(-4px) scale(1.08);
  animation-play-state: paused;
}

.whatsapp-float img {
  width: 32px;
  height: 32px;
  object-fit: contain;
}

@keyframes whatsappPulse {
  0% {
    box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.55),
      0 12px 25px rgba(37, 211, 102, 0.35);
  }
  70% {
    box-shadow: 0 0 0 16px rgba(37, 211, 102, 0),
      0 12px 25px rgba(37, 211, 102, 0.35);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(37, 211, 102, 0),
      0 12px 25px rgba(37, 211, 102, 0.35);
  }
}

/* ═══════════════════════════════
   FADE IN ANIMATION
═══════════════════════════════ */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

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

/* ═══════════════════════════════
   TEAM — SINGLE CARD
═══════════════════════════════ */
.team-single-card {
  max-width: 420px;
  margin: 0 auto;
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: var(--transition);
  text-align: center;
}

.team-single-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 28px 60px rgba(10, 25, 61, 0.14);
}

.team-single-image {
  width: 100%;
  aspect-ratio: 3 / 4;
  overflow: hidden;
  background: var(--bg-soft);
}

.team-single-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}

.team-single-content {
  padding: 24px 28px 32px;
}

.team-single-content h2 {
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1.2;
}

.team-single-content .team-role {
  display: inline-block;
  background: var(--gold-soft);
  color: var(--gold);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 6px 16px;
  border-radius: 999px;
}

/* ═══════════════════════════════
   HOW IT WORKS — STEPS
═══════════════════════════════ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  margin-top: 10px;
}

.step-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow-2);
  transition: var(--transition);
  text-align: center;
}

.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow);
}

.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  color: var(--gold-light);
  font-size: 1.1rem;
  font-weight: 800;
  margin: 0 auto 16px;
}

.step-card h3 {
  color: var(--navy);
  margin-bottom: 10px;
  font-size: 1.05rem;
}

.step-card p {
  color: var(--muted);
  font-size: 0.95rem;
}

/* ═══════════════════════════════
   LOAN APPLICATION PAGE
═══════════════════════════════ */
.loan-form-section .container {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 32px;
  align-items: start;
}

.loan-form-wrap {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 40px;
}

.loan-form {
  display: flex;
  flex-direction: column;
}

.form-section-label {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin: 28px 0 18px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold-soft);
}

.form-section-label:first-of-type {
  margin-top: 0;
}

.form-section-label span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  color: var(--gold-light);
  font-size: 0.85rem;
  font-weight: 800;
  flex-shrink: 0;
}

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

.form-group {
  display: flex;
  flex-direction: column;
  gap: 7px;
}

.form-group-full {
  margin-bottom: 16px;
}

.form-group label {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
}

.req {
  color: #e53935;
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 13px 15px;
  border: 1.5px solid #d9e0ea;
  border-radius: 12px;
  font-size: 0.95rem;
  color: var(--text);
  background: #fafbfd;
  transition: var(--transition);
  outline: none;
  font-family: inherit;
  width: 100%;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  background: white;
  box-shadow: 0 0 0 4px rgba(207, 166, 71, 0.1);
}

.form-group textarea {
  resize: vertical;
  min-height: 110px;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.6;
}

.checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 3px;
  accent-color: var(--gold);
  cursor: pointer;
}

.form-submit {
  margin-top: 24px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
}

.btn-submit {
  padding: 16px 36px;
  font-size: 1rem;
}

.form-note {
  font-size: 0.82rem;
  color: var(--muted);
}

/* ═══════════════════════════════
   SUCCESS MESSAGE
═══════════════════════════════ */
.form-success-msg {
  display: none;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 40px 20px;
  min-height: 320px;
  gap: 14px;
}

.form-success-msg .success-icon {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, #22c55e, #16a34a);
  color: white;
  font-size: 2rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 8px;
  box-shadow: 0 10px 30px rgba(34, 197, 94, 0.3);
}

.form-success-msg h3 {
  color: var(--navy);
  font-size: 1.5rem;
}

.form-success-msg p {
  color: var(--muted);
  max-width: 420px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ═══════════════════════════════
   LOAN SIDE INFO PANEL
═══════════════════════════════ */
.loan-side-info {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.side-info-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-2);
  padding: 28px;
}

.side-info-card h3 {
  color: var(--navy);
  font-size: 1.1rem;
  margin-bottom: 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--gold-soft);
}

.side-steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.side-steps li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.side-step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  min-width: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  color: var(--gold-light);
  font-size: 0.82rem;
  font-weight: 800;
  flex-shrink: 0;
}

.side-steps li div strong {
  display: block;
  color: var(--navy);
  font-size: 0.92rem;
  margin-bottom: 3px;
}

.side-steps li div p {
  color: var(--muted);
  font-size: 0.86rem;
  margin: 0;
  line-height: 1.5;
}

.doc-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.doc-list li {
  padding: 9px 0 9px 22px;
  border-bottom: 1px dashed #e5eaf1;
  position: relative;
  color: var(--muted);
  font-size: 0.88rem;
  line-height: 1.5;
}

.doc-list li:last-child {
  border-bottom: none;
}

.doc-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

.side-contact-card {
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  text-align: center;
}

.side-contact-card p {
  color: #d7def8;
  font-size: 0.9rem;
  margin: 0;
}

.side-contact-card strong {
  color: var(--gold-light);
  font-size: 0.95rem;
  display: block;
}

.side-contact-card a {
  display: block;
  color: white;
  font-weight: 600;
  font-size: 0.92rem;
  transition: var(--transition);
  padding: 4px 0;
}

.side-contact-card a:hover {
  color: var(--gold-light);
}

/* ═══════════════════════════════════════
   RESPONSIVE — 1024px
═══════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero-content h1 {
    font-size: 2.6rem;
  }

  .hero-grid {
    grid-template-columns: 1fr 1fr;
    gap: 30px;
  }

  .section-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .finance-grid,
  .services-grid,
  .cards-grid,
  .blog-grid,
  .testimonial-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .forte-grid,
  .forte-grid.forte-grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }

  .team-grid,
  .partner-grid {
    grid-template-columns: repeat(3, 1fr);
  }

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

  .footer-grid {
    grid-template-columns: 1.4fr 1fr 1fr;
  }

  .loan-form-section .container {
    grid-template-columns: 1fr 280px;
    gap: 24px;
  }

  .text-block h2,
  .section-heading h2 {
    font-size: 2rem;
  }

  .page-banner h1 {
    font-size: 2.4rem;
  }
}

/* ═══════════════════════════════════════
   RESPONSIVE — 768px
═══════════════════════════════════════ */
@media (max-width: 768px) {
  /* NAV */
  .menu-toggle {
    display: block;
  }

  .nav-links {
    display: none;
    position: absolute;
    top: calc(100% + 8px);
    right: 0;
    width: 240px;
    background: white;
    border-radius: 18px;
    box-shadow: 0 16px 40px rgba(8, 21, 63, 0.14);
    padding: 16px;
    flex-direction: column;
    gap: 2px;
    z-index: 1000;
    border: 1px solid var(--line);
  }

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

  .nav-links a {
    padding: 10px 12px;
    border-radius: 10px;
    font-size: 0.95rem;
    width: 100%;
    display: block;
  }

  .nav-links a::after {
    display: none;
  }

  .nav-links a:hover,
  .nav-links a.active {
    background: var(--gold-soft);
    color: var(--navy);
  }

  .logo {
    width: 50px;
    height: 50px;
  }

  .brand h2 {
    font-size: 1.15rem;
  }

  .brand p {
    font-size: 0.82rem;
  }

  /* HERO */
  .hero {
    padding: 64px 0 54px;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

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

  .hero-content p {
    font-size: 0.95rem;
  }

  .hero-btns {
    flex-direction: column;
    gap: 10px;
  }

  .hero-btns .btn {
    width: 100%;
    justify-content: center;
  }

  /* PAGE BANNER */
  .page-banner {
    padding: 60px 0 46px;
  }

  .page-banner h1 {
    font-size: 2rem;
  }

  /* SECTIONS */
  .section {
    padding: 60px 0;
  }

  .text-block h2,
  .section-heading h2 {
    font-size: 1.75rem;
  }

  /* GRIDS */
  .finance-grid,
  .services-grid,
  .cards-grid,
  .blog-grid,
  .testimonial-grid {
    grid-template-columns: 1fr 1fr;
  }

  .forte-grid,
  .forte-grid.forte-grid-3 {
    grid-template-columns: 1fr 1fr;
  }

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

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

  /* CONTACT */
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  /* CTA STRIP */
  .cta-strip {
    padding: 20px 0 60px;
  }

  .cta-strip-inner {
    padding: 28px 24px;
    gap: 20px;
    flex-wrap: nowrap;
    align-items: center;
    border-radius: 22px;
  }

  .cta-text h2 {
    font-size: 1.3rem;
  }

  .btn-dark-gold {
    padding: 13px 20px;
    font-size: 0.88rem;
  }

  /* FOOTER */
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }

  /* LOAN FORM */
  .loan-form-section .container {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .loan-form-wrap {
    padding: 28px;
    order: 1;
  }

  .loan-side-info {
    order: 2;
  }

  /* WHATSAPP */
  .whatsapp-float {
    width: 54px;
    height: 54px;
    right: 16px;
    bottom: 16px;
  }

  .whatsapp-float img {
    width: 28px;
    height: 28px;
  }
}

/* ═══════════════════════════════════════
   RESPONSIVE — 576px
═══════════════════════════════════════ */
@media (max-width: 576px) {
  .container {
    width: 94%;
  }

  /* HERO */
  .hero {
    padding: 50px 0 42px;
  }

  .hero-content h1 {
    font-size: 1.75rem;
    line-height: 1.2;
  }

  .hero-content p {
    font-size: 0.9rem;
    margin-bottom: 20px;
  }

  .badge {
    font-size: 0.8rem;
    padding: 8px 14px;
  }

  .hero-info-card {
    padding: 20px;
    border-radius: 20px;
  }

  .hero-info-card h3 {
    font-size: 1.15rem;
  }

  .hero-mini-points {
    gap: 10px;
  }

  /* PAGE BANNER */
  .page-banner {
    padding: 46px 0 36px;
  }

  .page-banner h1 {
    font-size: 1.6rem;
  }

  .page-banner p {
    font-size: 0.9rem;
  }

  /* SECTIONS */
  .section {
    padding: 46px 0;
  }

  .section-heading.center {
    margin: 0 auto 22px;
  }

  .text-block h2,
  .section-heading h2 {
    font-size: 1.5rem;
  }

  /* ALL GRIDS */
  .finance-grid,
  .services-grid,
  .cards-grid,
  .blog-grid,
  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .forte-grid,
  .forte-grid.forte-grid-3 {
    grid-template-columns: 1fr;
  }

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

  .team-grid,
  .partner-grid {
    grid-template-columns: 1fr 1fr;
  }

  /* CARDS */
  .info-card,
  .service-card,
  .forte-card,
  .team-card,
  .blog-card,
  .testimonial-card {
    padding: 20px;
  }

  .panel-card {
    padding: 22px;
  }

  .feature-card {
    padding: 20px;
  }

  /* CTA STRIP */
  .cta-strip {
    padding: 14px 0 44px;
  }

  .cta-strip-inner {
    padding: 22px 18px;
    gap: 16px;
    border-radius: 18px;
    flex-wrap: nowrap;
    align-items: center;
  }

  .cta-text .section-tag {
    font-size: 0.75rem;
    padding: 5px 11px;
    margin-bottom: 8px;
  }

  .cta-text h2 {
    font-size: 1.1rem;
    line-height: 1.35;
  }

  .btn-dark-gold {
    padding: 11px 16px;
    font-size: 0.82rem;
  }

  /* FOOTER */
  .footer {
    padding-top: 46px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .footer-bottom {
    font-size: 0.82rem;
    padding: 14px 0;
  }

  /* LOAN FORM */
  .loan-form-wrap {
    padding: 20px;
    border-radius: 18px;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .form-section-label {
    font-size: 0.92rem;
    margin: 22px 0 14px;
  }

  .form-group input,
  .form-group select,
  .form-group textarea {
    padding: 12px 13px;
    font-size: 0.9rem;
  }

  .form-submit {
    align-items: center;
    margin-top: 20px;
  }

  .btn-submit {
    width: 100%;
    padding: 14px 24px;
    font-size: 0.95rem;
  }

  /* SIDE INFO */
  .side-info-card {
    padding: 20px;
    border-radius: 18px;
  }

  .side-contact-card {
    padding: 20px;
    border-radius: 18px;
  }

  /* SUCCESS */
  .form-success-msg {
    padding: 30px 14px;
    min-height: 260px;
  }

  .form-success-msg .success-icon {
    width: 60px;
    height: 60px;
    font-size: 1.6rem;
  }

  .form-success-msg h3 {
    font-size: 1.25rem;
  }

  /* TEAM */
  .team-single-card {
    max-width: 100%;
    border-radius: 18px;
  }

  .team-single-content {
    padding: 18px 18px 24px;
  }

  .team-single-content h2 {
    font-size: 1.35rem;
  }

  /* FAQ */
  .faq-question {
    padding: 16px 16px;
    font-size: 0.92rem;
  }

  .faq-answer {
    padding: 0 16px 16px;
    font-size: 0.88rem;
  }

  /* PARTNER */
  .partner-logo {
    padding: 16px;
    min-height: 90px;
  }

  .partner-logo img {
    max-width: 100px;
    max-height: 46px;
  }

  /* WHATSAPP */
  .whatsapp-float {
    width: 50px;
    height: 50px;
    right: 14px;
    bottom: 14px;
  }

  .whatsapp-float img {
    width: 26px;
    height: 26px;
  }

  /* HOVER — reduce on small screens */
  .info-card:hover,
  .service-card:hover,
  .forte-card:hover,
  .team-card:hover,
  .blog-card:hover,
  .feature-card:hover,
  .partner-logo:hover,
  .panel-card:hover,
  .testimonial-card:hover {
    transform: translateY(-3px);
  }
}

/* ═══════════════════════════════════════
   RESPONSIVE — 400px
═══════════════════════════════════════ */
@media (max-width: 400px) {
  .container {
    width: 95%;
  }

  .logo {
    width: 42px;
    height: 42px;
  }

  .brand h2 {
    font-size: 1rem;
  }

  .brand p {
    font-size: 0.76rem;
  }

  .hero-content h1 {
    font-size: 1.5rem;
  }

  .page-banner h1 {
    font-size: 1.4rem;
  }

  .text-block h2,
  .section-heading h2 {
    font-size: 1.3rem;
  }

  .team-grid,
  .partner-grid {
    grid-template-columns: 1fr;
  }

  .cta-strip-inner {
    flex-direction: column;
    align-items: flex-start;
    padding: 18px 14px;
    gap: 14px;
  }

  .cta-action .btn-dark-gold {
    width: 100%;
    justify-content: center;
    text-align: center;
  }

  .loan-form-wrap {
    padding: 16px;
  }

  .form-group input,
  .form-group select,
  .form-group textarea {
    padding: 10px 11px;
    font-size: 0.86rem;
  }

  .side-info-card {
    padding: 16px;
  }

  .side-contact-card {
    padding: 16px;
  }
}