@import url('https://fonts.googleapis.com/css2?family=Ubuntu:ital,wght@0,300;0,400;0,500;0,700;1,300;1,400;1,500;1,700&family=Nunito:ital,wght@0,200..1000;1,200..1000&family=Playfair+Display:ital,wght@0,400..900;1,400..900&display=swap');

/* ===== CSS VARIABLES ===== */
:root {
  --navy: #000080;
  --navy-dark: #000060;
  --navy-light: #3d3da0;
  --navy-faint: #f0f0ff;
  --gold: #c9a84c;
  --gold-light: #f0d980;
  --white: #ffffff;
  --gray-50: #f8f9fc;
  --gray-100: #f0f0f5;
  --gray-300: #ccccdd;
  --gray-500: #888899;
  --gray-700: #444455;
  --text: #1a1a2e;
  --radius: 12px;
  --radius-sm: 6px;
  --shadow: 0 4px 20px rgba(0,0,128,0.12);
  --shadow-lg: 0 8px 40px rgba(0,0,128,0.18);
  --transition: 0.25s ease;
  --header-h: 68px;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Nunito', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ===== HEADER / NAV ===== */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--header-h);
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 32px;
  box-shadow: 0 2px 16px rgba(0,0,128,0.10);
  z-index: 1000;
}

.logo-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-wrap img {
  height: 44px;
  width: auto;
}

.logo-name {
  font-family: 'Ubuntu', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
  line-height: 1.2;
  max-width: 180px;
}

.navbar {
  display: flex;
  align-items: center;
  gap: 8px;
}

.navbar a {
  font-family: 'Nunito', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--gray-700);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
}

.navbar a:hover,
.navbar a.active {
  color: var(--navy);
  background: var(--navy-faint);
}

.navbar .nav-cta {
  background: var(--navy);
  color: var(--white);
  padding: 8px 18px;
  border-radius: 50px;
}

.navbar .nav-cta:hover {
  background: var(--navy-dark);
  color: var(--white);
}

/* Mobile menu */
#menu-icon {
  display: none;
  font-size: 1.8rem;
  cursor: pointer;
  color: var(--navy);
  background: none;
  border: none;
  padding: 4px;
}

@media (max-width: 900px) {
  .logo-name { display: none; }
  #menu-icon { display: block; }

  .navbar {
    position: fixed;
    top: var(--header-h);
    left: 0; right: 0;
    flex-direction: column;
    background: var(--white);
    padding: 16px;
    gap: 4px;
    box-shadow: var(--shadow);
    border-top: 1px solid var(--gray-100);
    transform: translateY(-110%);
    transition: transform 0.3s ease;
    z-index: 999;
  }

  .navbar.active { transform: translateY(0); }

  .navbar a {
    width: 100%;
    text-align: center;
    padding: 12px;
    font-size: 1rem;
  }
}

/* ===== PAGE OFFSET (for fixed header) ===== */
.page-content { padding-top: var(--header-h); }

/* ===== HERO SECTION ===== */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #000050 60%, #1a1a6e 100%);
  color: var(--white);
  padding: 90px 5% 80px;
  position: relative;
  overflow: hidden;
  min-height: 520px;
  display: flex;
  align-items: center;
}

.hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(201,168,76,0.08);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -80px; left: 10%;
  width: 280px; height: 280px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
  pointer-events: none;
}

.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  position: relative;
  z-index: 1;
}

.hero-content { flex: 1; max-width: 580px; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.4);
  color: var(--gold-light);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 50px;
  margin-bottom: 24px;
}

.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 20px;
}

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

.hero p {
  font-size: 1.1rem;
  opacity: 0.88;
  margin-bottom: 36px;
  line-height: 1.7;
}

.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; }

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  box-shadow: 0 4px 16px rgba(201,168,76,0.35);
}

.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(201,168,76,0.45);
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 26px;
  border-radius: 50px;
  border: 2px solid rgba(255,255,255,0.4);
  cursor: pointer;
  transition: all var(--transition);
}

.btn-secondary:hover {
  border-color: var(--white);
  background: rgba(255,255,255,0.08);
}

.hero-image {
  flex-shrink: 0;
  width: 340px;
}

.hero-image img {
  width: 100%;
  border-radius: 24px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.35);
}

.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.15);
}

.hero-stat { text-align: center; }
.hero-stat .num {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
}
.hero-stat .lbl {
  font-size: 0.75rem;
  opacity: 0.75;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

@media (max-width: 768px) {
  .hero { padding: 60px 5%; }
  .hero-inner { flex-direction: column; }
  .hero-image { width: 100%; max-width: 320px; }
  .hero-stats { gap: 20px; }
}

/* ===== SECTION HEADER ===== */
.section-header {
  text-align: center;
  margin-bottom: 52px;
}

.section-label {
  display: inline-block;
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.section-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.section-header p {
  color: var(--gray-500);
  font-size: 1rem;
  max-width: 520px;
  margin: 0 auto;
}

/* ===== FEATURES / WHY CHOOSE US ===== */
.features-section {
  padding: 80px 5%;
  background: var(--gray-50);
}

.features-grid {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}

.feature-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-100);
  transition: transform var(--transition), box-shadow var(--transition);
}

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

.feature-icon {
  width: 60px;
  height: 60px;
  background: var(--navy-faint);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.feature-icon i {
  font-size: 1.5rem;
  color: var(--navy);
  animation: none;
}

.feature-card h3 {
  font-family: 'Ubuntu', sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.feature-card p {
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.6;
}

/* ===== VISION / MISSION SECTION ===== */
.vision-mission {
  background: linear-gradient(135deg, var(--navy) 0%, #000060 100%);
  padding: 72px 5%;
}

.vm-grid {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}

.vm-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 36px 32px;
  color: var(--white);
}

.vm-card .vm-tag {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 18px;
}

.vm-card h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  margin-bottom: 14px;
}

.vm-card p {
  font-size: 0.95rem;
  opacity: 0.85;
  line-height: 1.75;
}

@media (max-width: 640px) {
  .vm-grid { grid-template-columns: 1fr; }
}

/* ===== NEWS / SLIDER ===== */
.news-section {
  padding: 80px 5%;
  background: var(--white);
}

.slider-wrap {
  max-width: 700px;
  margin: 0 auto;
  position: relative;
  overflow: hidden;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
}

.slides {
  display: flex;
  transition: transform 0.5s cubic-bezier(0.4,0,0.2,1);
}

.slide {
  min-width: 100%;
  text-align: center;
}

.slide img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  display: block;
}

.slide-caption {
  padding: 20px;
  background: var(--white);
}

.slide-caption h3 {
  font-family: 'Ubuntu', sans-serif;
  color: var(--navy);
  font-size: 1rem;
  font-weight: 500;
}

.slider-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  background: var(--white);
  border: none;
  border-radius: 50%;
  box-shadow: var(--shadow);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: var(--navy);
  transition: all var(--transition);
  z-index: 10;
}

.slider-btn:hover { background: var(--navy); color: var(--white); }
.slider-btn.prev { left: 12px; }
.slider-btn.next { right: 12px; }

.slider-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  padding: 14px;
}

.dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--gray-300);
  border: none;
  cursor: pointer;
  transition: all var(--transition);
}

.dot.active {
  background: var(--navy);
  width: 24px;
  border-radius: 4px;
}

/* ===== LOANS / PRODUCTS ===== */
.loans-section {
  padding: 80px 5%;
  background: linear-gradient(180deg, var(--gray-50) 0%, var(--white) 100%);
}

.cards-grid {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}

.loan-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-100);
  transition: transform var(--transition), box-shadow var(--transition);
}

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

.loan-card img {
  width: 100%;
  height: 200px;
  object-fit: cover;
}

.loan-card-body {
  padding: 24px;
}

.loan-card-body h3 {
  font-family: 'Ubuntu', sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.loan-card-body p {
  font-size: 0.9rem;
  color: var(--gray-500);
  line-height: 1.6;
  margin-bottom: 18px;
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  border: 2px solid var(--navy);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.85rem;
  padding: 8px 18px;
  border-radius: 50px;
  transition: all var(--transition);
  cursor: pointer;
  background: none;
}

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

/* ===== TELECOM SECTION ===== */
.telecom-section {
  padding: 72px 5%;
  background: var(--navy);
}

.telecom-section .section-header h2 { color: var(--white); }
.telecom-section .section-header p { color: rgba(255,255,255,0.65); }
.telecom-section .section-label { color: var(--gold-light); }

.telecom-grid {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 20px;
}

.telecom-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
  color: var(--white);
  transition: all var(--transition);
}

.telecom-card:hover {
  background: rgba(255,255,255,0.15);
  transform: translateY(-4px);
}

.telecom-card img {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  object-fit: cover;
  margin: 0 auto 14px;
  border: 3px solid rgba(255,255,255,0.2);
}

.telecom-card h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 14px;
}

.btn-white {
  display: inline-block;
  background: var(--white);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.82rem;
  padding: 8px 16px;
  border-radius: 50px;
  transition: all var(--transition);
}

.btn-white:hover {
  background: var(--gold-light);
}

/* ===== FOOTER ===== */
footer {
  background: #000050;
  color: rgba(255,255,255,0.8);
  padding: 60px 5% 32px;
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 28px;
}

.footer-brand .logo-wrap { margin-bottom: 16px; }
.footer-brand .logo-wrap img { height: 40px; }
.footer-brand .logo-name { color: var(--white); }
.footer-brand p {
  font-size: 0.88rem;
  opacity: 0.7;
  line-height: 1.7;
  max-width: 300px;
}

.footer-col h4 {
  font-family: 'Ubuntu', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 18px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }

.footer-col a {
  font-size: 0.9rem;
  opacity: 0.75;
  transition: opacity var(--transition);
}

.footer-col a:hover { opacity: 1; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  opacity: 0.55;
}

@media (max-width: 768px) {
  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}

/* ===== SHARED FORM STYLES ===== */
.form-page {
  min-height: 100vh;
  background: var(--gray-50);
  display: flex;
  flex-direction: column;
}

.form-page .page-content {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: calc(var(--header-h) + 40px) 20px 60px;
}

.form-card {
  background: var(--white);
  border-radius: 20px;
  box-shadow: 0 8px 40px rgba(0,0,128,0.14);
  padding: 48px 40px;
  width: 100%;
  max-width: 480px;
}

.form-card.wide { max-width: 600px; }

.form-card-header {
  text-align: center;
  margin-bottom: 36px;
}

.form-card-header .brand-icon {
  width: 56px;
  height: 56px;
  background: var(--navy-faint);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 1.4rem;
  color: var(--navy);
}

.form-card-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  color: var(--navy);
  margin-bottom: 6px;
}

.form-card-header p {
  font-size: 0.9rem;
  color: var(--gray-500);
}

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

@media (max-width: 500px) {
  .form-row { grid-template-columns: 1fr; }
  .form-card { padding: 32px 24px; }
}

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 18px;
}

.field label {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gray-700);
  letter-spacing: 0.02em;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: 'Nunito', sans-serif;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0,0,128,0.08);
}

.field .pw-wrap {
  position: relative;
}

.field .pw-wrap input {
  padding-right: 44px;
}

.field .pw-wrap .eye-btn {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  cursor: pointer;
  color: var(--gray-500);
  font-size: 1rem;
  padding: 4px;
}

.field .pw-wrap .eye-btn:hover { color: var(--navy); }

.btn-full {
  width: 100%;
  padding: 14px;
  background: var(--navy);
  color: var(--white);
  font-family: 'Nunito', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
  margin-top: 8px;
}

.btn-full:hover {
  background: var(--navy-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(0,0,128,0.25);
}

.form-footer {
  text-align: center;
  margin-top: 24px;
  font-size: 0.88rem;
  color: var(--gray-500);
}

.form-footer a { color: var(--navy); font-weight: 700; }
.form-footer a:hover { text-decoration: underline; }

.error-msg {
  color: #d32f2f;
  background: #fff5f5;
  border: 1px solid #ffcdd2;
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 0.88rem;
  margin-top: 12px;
  display: none;
}

.success-msg {
  color: #1b5e20;
  background: #f1f8e9;
  border: 1px solid #c5e1a5;
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 0.88rem;
  margin-top: 12px;
  display: none;
}