:root{
  --navy:#13287e;
  --navy-dark:#0c1c56;
  --orange:#ea8916;
  --orange-dark:#c96f0a;
  --text:#272e3a;
  --muted:#5a6577;
  --bg-alt:#f5f7fb;
  --border:#e4e8f0;
}

*{box-sizing:border-box}
body{margin:0;font-family:'Segoe UI',Arial,sans-serif;color:var(--text);line-height:1.6;background:#fff}
h1,h2,h3,h4,h5{color:var(--navy);margin:0 0 12px;line-height:1.25}
p{margin:0 0 14px}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
ul{margin:0;padding:0}

/* Topbar */
.topbar{background:var(--navy-dark);color:#cfd8f0;font-size:0.85rem}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;padding:8px 20px;flex-wrap:wrap;gap:6px}
.topbar-inner a{color:#cfd8f0}
.topbar-contact{display:flex;gap:20px}

/* Header */
.site-header{background:#fff;box-shadow:0 2px 10px rgba(0,0,0,0.06);position:sticky;top:0;z-index:100}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 20px}
.logo{display:flex;align-items:center;gap:10px;font-size:1.3rem;font-weight:700;color:var(--navy)}
.logo img{height:42px;width:auto}
.main-nav{display:flex;align-items:center;gap:28px}
.main-nav a{font-weight:600;color:var(--text);font-size:0.95rem;transition:color .2s}
.main-nav a:hover,.main-nav a.active{color:var(--orange)}
.nav-cta{background:var(--orange);color:#fff !important;padding:11px 22px;border-radius:6px}
.nav-cta:hover{background:var(--orange-dark);color:#fff !important}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer}
.nav-toggle span{width:26px;height:3px;background:var(--navy)}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:90px 0}
.hero-inner{display:grid;grid-template-columns:1.1fr 0.9fr;gap:40px;align-items:center}
.hero .tag{color:#ffb35c;font-weight:700;letter-spacing:1px;text-transform:uppercase;font-size:0.85rem}
.hero h1{color:#fff;font-size:2.6rem;margin:10px 0 16px}
.hero h1 span{color:var(--orange)}
.hero p{color:#d6ddf0;font-size:1.1rem;max-width:520px}
.btn-group{display:flex;gap:16px;margin-top:26px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 30px;border-radius:6px;font-weight:700;font-size:0.95rem;transition:all .2s;border:2px solid transparent}
.btn-orange{background:var(--orange);color:#fff}
.btn-orange:hover{background:var(--orange-dark)}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.hero-visual{background:rgba(255,255,255,0.08);border-radius:16px;padding:30px}
.hero-visual img{border-radius:10px}

/* CTA band */
.cta-band{background:var(--bg-alt);padding:40px 0}
.cta-band-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px}
.cta-band h3{color:var(--muted);font-size:1rem;margin:0}
.cta-band h2{margin:4px 0 0;font-size:1.5rem}

/* Section generic */
.section{padding:80px 0}
.section-alt{background:var(--bg-alt)}
.section-header{text-align:center;max-width:640px;margin:0 auto 50px}
.section-label{color:var(--orange);font-weight:700;text-transform:uppercase;letter-spacing:1px;font-size:0.85rem;margin-bottom:8px}

/* About grid */
.about-grid{display:grid;grid-template-columns:0.9fr 1.1fr;gap:50px;align-items:center}
.about-grid img{border-radius:14px}
.check-list{list-style:none;margin-top:20px}
.check-list li{display:flex;align-items:center;gap:12px;padding:8px 0;font-weight:600}
.check-list img{width:20px;height:20px}

/* Steps */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:34px}
.step-card{text-align:center;background:#fff;border:1px solid var(--border);border-radius:14px;padding:36px 24px}
.step-icon{width:64px;height:64px;margin:0 auto 18px}
.step-card h4{font-size:1.1rem}
.step-card p{color:var(--muted);font-size:0.92rem;margin:0}

/* Loan types cards */
.loan-types{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.loan-card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:24px;text-align:center;transition:transform .2s,box-shadow .2s}
.loan-card:hover{transform:translateY(-4px);box-shadow:0 10px 24px rgba(19,40,126,0.1)}
.loan-emoji{font-size:2rem;margin-bottom:10px}
.loan-card h5{font-size:0.95rem;margin:0 0 6px}
.loan-card p{font-size:0.82rem;color:var(--muted);margin:0}

/* Conditions table */
.conditions-table{width:100%;border-collapse:collapse;margin-top:16px}
.conditions-table th,.conditions-table td{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;font-size:0.92rem}
.conditions-table th{color:var(--navy);background:var(--bg-alt)}

/* Testimonials */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.testi-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:28px}
.testi-card p{font-style:italic;color:var(--text)}
.testi-name{font-weight:700;color:var(--navy);margin-top:12px}

/* Forms */
.form-card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:40px;max-width:820px;margin:0 auto;box-shadow:0 10px 30px rgba(19,40,126,0.06)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
.field label{font-weight:600;font-size:0.9rem;color:var(--navy)}
.field input,.field select,.field textarea{padding:12px 14px;border:1px solid var(--border);border-radius:8px;font-family:inherit;font-size:0.95rem}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--orange)}
.form-card .btn{width:100%;text-align:center;margin-top:24px;border:none;cursor:pointer;font-size:1rem}
.form-note{font-size:0.8rem;color:var(--muted);margin-top:14px;text-align:center}
.alert{padding:16px 18px;border-radius:10px;margin-bottom:22px;font-size:0.92rem}
.alert-ok{background:#e3f7ea;color:#177245;border:1px solid #b7ebc8}
.alert-err{background:#fde8e8;color:#a8261f;border:1px solid #f5b8b5}
.legal-note{max-width:820px;margin:24px auto 0;background:var(--bg-alt);border-radius:10px;padding:18px 22px;font-size:0.82rem;color:var(--muted)}

/* Page hero (secondary pages) */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:60px 0}
.breadcrumb{color:#b9c4e6;font-size:0.85rem;margin-bottom:10px}
.breadcrumb a{color:#b9c4e6}
.page-hero h1{color:#fff;margin-bottom:8px}
.page-hero p{color:#d6ddf0;max-width:600px;margin:0}

/* Content page (services) */
.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.content-grid.reverse .visual-block{order:2}
.visual-block{border-radius:16px;overflow:hidden}
.visual-block img{width:100%;height:100%;object-fit:cover}

/* Legal pages */
.legal-content h2{margin-top:34px;font-size:1.2rem}
.legal-content p{color:var(--text);font-size:0.95rem}
.legal-content ul{margin:10px 0 16px 20px;list-style:disc}

/* Footer */
footer{background:var(--navy-dark);color:#c3cceb;padding:60px 0 24px;margin-top:auto}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
.footer-logo{display:flex;align-items:center;gap:10px;font-size:1.2rem;font-weight:700;color:#fff;margin-bottom:14px}
.footer-logo img{height:36px;filter:brightness(0) invert(1)}
footer h5{color:#fff;font-size:1rem;margin-bottom:16px}
footer a{color:#c3cceb;display:block;margin-bottom:8px;font-size:0.9rem}
footer a:hover{color:var(--orange)}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);margin-top:40px;padding-top:20px;text-align:center;font-size:0.82rem;color:#8894c2}

/* Utility */
.text-center{text-align:center}

@media (max-width: 900px){
  .hero-inner,.about-grid,.content-grid{grid-template-columns:1fr}
  .content-grid.reverse .visual-block{order:0}
  .steps-grid,.testi-grid{grid-template-columns:1fr}
  .loan-types{grid-template-columns:repeat(2,1fr)}
  .form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .main-nav{position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:20px;box-shadow:0 10px 20px rgba(0,0,0,0.08);display:none}
  .main-nav.open{display:flex}
  .nav-toggle{display:flex}
}