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

:root {
    --navy: #0a2647;
    --navy-mid: #0e3260;
    --navy-light: #1a4a7a;
    --orange: #e8630a;
    --orange-lt: #f07c30;
    --orange-dim: #c05008;
    --cream: #f8f5f0;
    --text: #1a1a2e;
    --muted: #5a6070;
    --white: #ffffff;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'DM Sans', sans-serif;
    color: var(--text);
    background: var(--white);
    overflow-x: hidden;
}

/* ─── NAV ─── */
nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 100;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 5%;
    height: 70px;
    border-bottom: 3px solid var(--orange);
}

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

.logo-mark {
    width: 40px;
    height: 40px;
    border-radius: 6px;
    background: var(--orange);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display', serif;
    font-weight: 700;
    font-size: 18px;
    color: var(--white);
    letter-spacing: -1px;
    flex-shrink: 0;
}

.logo-text {
    display: flex;
    flex-direction: column;
}

.logo-name {
    font-family: 'Playfair Display', serif;
    font-size: 15px;
    font-weight: 600;
    color: var(--white);
    line-height: 1.1;
}

.logo-sub {
    font-size: 10px;
    font-weight: 400;
    letter-spacing: 2px;
    color: var(--orange-lt);
    text-transform: uppercase;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-links a {
    color: rgba(255, 255, 255, 0.75);
    text-decoration: none;
    font-size: 14px;
    transition: color 0.2s;
}

.nav-links a:hover {
    color: var(--orange-lt);
}

.nav-cta {
    background: var(--orange) !important;
    color: var(--white) !important;
    padding: 9px 20px;
    border-radius: 5px;
    font-weight: 500 !important;
    transition: background 0.2s !important;
}

.nav-cta:hover {
    background: var(--orange-dim) !important;
}

/* ─── HERO ─── */
.hero {
    min-height: 100vh;
    background: var(--navy);
    display: flex;
    align-items: center;
    padding: 120px 5% 80px;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -100px;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232, 99, 10, 0.18) 0%, transparent 70%);
    pointer-events: none;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -80px;
    left: 10%;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(26, 74, 122, 0.5) 0%, transparent 70%);
    pointer-events: none;
}

.hero-inner {
    max-width: 1200px;
    margin: 0 auto;
    width: 100%;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(232, 99, 10, 0.15);
    border: 1px solid rgba(232, 99, 10, 0.4);
    color: var(--orange-lt);
    font-size: 12px;
    letter-spacing: 2px;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 20px;
    margin-bottom: 24px;
}

.hero-badge span {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--orange);
    display: inline-block;
}

.hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.4rem, 4.5vw, 3.8rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 24px;
    letter-spacing: -0.5px;
}

.hero h1 em {
    font-style: normal;
    color: var(--orange);
}

.hero-desc {
    font-size: 17px;
    color: rgba(255, 255, 255, 0.65);
    line-height: 1.75;
    margin-bottom: 40px;
    max-width: 480px;
}

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

/* ─── BUTTONS ─── */
.btn-primary {
    background: var(--orange);
    color: var(--white);
    padding: 14px 32px;
    border-radius: 6px;
    font-size: 15px;
    font-weight: 500;
    text-decoration: none;
    border: none;
    cursor: pointer;
    transition: background 0.2s, transform 0.15s;
    display: inline-block;
}

.btn-primary:hover {
    background: var(--orange-dim);
    transform: translateY(-1px);
}

.btn-outline {
    background: transparent;
    color: var(--white);
    padding: 14px 32px;
    border-radius: 6px;
    font-size: 15px;
    text-decoration: none;
    border: 1px solid rgba(255, 255, 255, 0.3);
    cursor: pointer;
    transition: border-color 0.2s, transform 0.15s;
    display: inline-block;
}

.btn-outline:hover {
    border-color: rgba(255, 255, 255, 0.7);
    transform: translateY(-1px);
}

/* ─── HERO CARD ─── */
.hero-card {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 16px;
    padding: 36px;
    backdrop-filter: blur(8px);
    position: relative;
    z-index: 1;
}

.hero-card-title {
    font-size: 13px;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--orange-lt);
    margin-bottom: 24px;
    font-weight: 500;
}

.loan-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.loan-row:last-of-type {
    border-bottom: none;
}

.loan-label {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.55);
}

.loan-value {
    font-size: 15px;
    font-weight: 500;
    color: var(--white);
}

.loan-value.accent {
    color: var(--orange-lt);
}

.hero-stat-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 10px;
    overflow: hidden;
    margin-top: 28px;
}

.hero-stat {
    background: rgba(255, 255, 255, 0.04);
    padding: 16px 12px;
    text-align: center;
}

.hero-stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    font-weight: 700;
    color: var(--white);
    display: block;
}

.hero-stat-lbl {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.45);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-top: 3px;
}

/* ─── TRUST BAR ─── */
.trust-bar {
    background: var(--cream);
    border-top: 3px solid var(--orange);
    padding: 30px 5%;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 60px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13px;
    font-weight: 500;
    color: var(--navy);
}

.trust-icon {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--orange);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.trust-icon svg {
    width: 16px;
    height: 16px;
    fill: var(--white);
}

/* ─── SECTIONS ─── */
section {
    padding: 90px 5%;
}

.section-inner {
    max-width: 1200px;
    margin: 0 auto;
}

.section-label {
    font-size: 12px;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--orange);
    font-weight: 600;
    margin-bottom: 12px;
}

.section-heading {
    font-family: 'Playfair Display', serif;
    font-size: clamp(1.8rem, 3vw, 2.6rem);
    font-weight: 700;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 16px;
}

.section-heading em {
    font-style: normal;
    color: var(--orange);
}

.section-sub {
    font-size: 16px;
    color: var(--muted);
    line-height: 1.7;
    max-width: 560px;
}

/* ─── PRODUCTS ─── */
.products-head {
    text-align: center;
    margin-bottom: 56px;
}

.products-head .section-sub {
    margin: 0 auto;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
}

.product-card {
    border: 1px solid #e0ddd8;
    border-radius: 14px;
    padding: 36px 30px;
    transition: box-shadow 0.25s, transform 0.2s, border-color 0.2s;
    position: relative;
    overflow: hidden;
    background: var(--white);
}

.product-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--orange);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.3s;
}

.product-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 40px rgba(10, 38, 71, 0.1);
    border-color: #ccc;
}

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

.product-icon {
    width: 52px;
    height: 52px;
    border-radius: 12px;
    background: rgba(232, 99, 10, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
}

.product-icon svg {
    width: 26px;
    height: 26px;
    stroke: var(--orange);
    fill: none;
    stroke-width: 1.8;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.product-card h3 {
    font-size: 18px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 10px;
}

.product-card p {
    font-size: 14px;
    color: var(--muted);
    line-height: 1.7;
    margin-bottom: 20px;
}

.product-rate {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 500;
    color: var(--orange);
    border-top: 1px solid #eee;
    padding-top: 16px;
    width: 100%;
}

/* ─── WHY US ─── */
.why-bg {
    background: var(--navy);
}

.why-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.why-left .section-sub {
    color: rgba(255, 255, 255, 0.6);
}

.why-list {
    margin-top: 40px;
    display: flex;
    flex-direction: column;
    gap: 22px;
}

.why-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.why-bullet {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: rgba(232, 99, 10, 0.2);
    border: 1px solid rgba(232, 99, 10, 0.4);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.why-bullet svg {
    width: 18px;
    height: 18px;
    stroke: var(--orange-lt);
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.why-item h4 {
    font-size: 15px;
    font-weight: 500;
    color: var(--white);
    margin-bottom: 4px;
}

.why-item p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.5);
    line-height: 1.6;
}

.why-right {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.stat-card {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 14px;
    padding: 28px 22px;
}

.stat-card:first-child {
    background: var(--orange);
    border-color: var(--orange);
}

.stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 36px;
    font-weight: 700;
    color: var(--white);
    display: block;
    line-height: 1;
}

.stat-label {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.6);
    margin-top: 8px;
    line-height: 1.4;
}

.stat-card:first-child .stat-label {
    color: rgba(255, 255, 255, 0.85);
}

/* ─── HOW IT WORKS ─── */
.how-bg {
    background: var(--cream);
}

.how-head {
    text-align: center;
    margin-bottom: 60px;
}

.how-head .section-sub {
    margin: 0 auto;
}

.steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 0;
    position: relative;
}

.steps::before {
    content: '';
    position: absolute;
    top: 36px;
    left: 12%;
    right: 12%;
    height: 2px;
    background: repeating-linear-gradient(to right, var(--orange) 0, var(--orange) 8px, transparent 8px, transparent 18px);
    z-index: 0;
}

.step {
    text-align: center;
    padding: 0 20px;
    position: relative;
    z-index: 1;
}

.step-num {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: var(--navy);
    border: 3px solid var(--orange);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-family: 'Playfair Display', serif;
    font-size: 24px;
    font-weight: 700;
    color: var(--white);
}

.step h4 {
    font-size: 16px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
}

.step p {
    font-size: 13px;
    color: var(--muted);
    line-height: 1.65;
}

/* ─── CALCULATOR ─── */
.calc-bg {
    background: var(--cream);
}

.c-pill {
    padding: 6px 16px;
    border-radius: 20px;
    font-size: 13px;
    font-weight: 500;
    cursor: pointer;
    border: 1.5px solid #d0cdc8;
    background: var(--white);
    color: var(--muted);
    transition: all 0.15s;
    font-family: 'DM Sans', sans-serif;
}

.c-pill:hover {
    border-color: var(--orange);
    color: var(--orange);
}

.c-pill.active {
    background: var(--orange);
    border-color: var(--orange);
    color: var(--white);
}

.calc-card {
    background: var(--white);
    border: 1px solid #e0ddd8;
    border-radius: 16px;
    padding: 40px;
    max-width: 860px;
    margin: 0 auto;
}

.calc-inputs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 24px;
}

.calc-field {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.calc-field label {
    font-size: 13px;
    font-weight: 600;
    color: var(--muted);
    letter-spacing: 0.3px;
}

.calc-input-wrap {
    display: flex;
    align-items: center;
    gap: 8px;
    border: 1.5px solid #d0cdc8;
    border-radius: 8px;
    padding: 0 12px;
    background: var(--white);
    transition: border-color 0.2s;
}

.calc-input-wrap:focus-within {
    border-color: var(--orange);
}

.calc-input-wrap input {
    flex: 1;
    border: none;
    outline: none;
    font-size: 16px;
    font-weight: 500;
    color: var(--text);
    padding: 12px 0;
    background: transparent;
    width: 100%;
    font-family: 'DM Sans', sans-serif;
}

.calc-prefix {
    font-size: 16px;
    font-weight: 600;
    color: var(--navy);
    flex-shrink: 0;
}

.calc-suffix {
    font-size: 14px;
    font-weight: 600;
    color: var(--muted);
    flex-shrink: 0;
}

.calc-term {
    margin-bottom: 28px;
}

.calc-term-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 10px;
}

.calc-term-top label {
    font-size: 13px;
    font-weight: 600;
    color: var(--muted);
    letter-spacing: 0.3px;
}

.calc-term-val {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
}

.calc-term input[type=range] {
    width: 100%;
    accent-color: var(--orange);
    cursor: pointer;
}

.calc-pills {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    margin-top: 12px;
}

.calc-results {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 14px;
    margin-bottom: 28px;
}

.calc-result-card {
    background: var(--cream);
    border-radius: 10px;
    padding: 18px 16px;
}

.calc-result-label {
    font-size: 12px;
    color: var(--muted);
    margin-bottom: 6px;
    font-weight: 500;
}

.calc-result-value {
    font-size: 26px;
    font-weight: 700;
    color: var(--navy);
    font-family: 'Playfair Display', serif;
}

.calc-result-card.highlight .calc-result-value {
    color: var(--orange);
}

.calc-table-wrap {
    border: 1px solid #e0ddd8;
    border-radius: 10px;
    overflow: hidden;
    margin-bottom: 20px;
}

.calc-table-head {
    display: grid;
    grid-template-columns: 50px 1fr 1fr 1fr 1fr;
    padding: 10px 16px;
    background: var(--navy);
    font-size: 12px;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.7);
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.calc-table-body {
    max-height: 220px;
    overflow-y: auto;
}

.calc-table-body .calc-row {
    display: grid;
    grid-template-columns: 50px 1fr 1fr 1fr 1fr;
    padding: 9px 16px;
    font-size: 13px;
    color: var(--text);
    border-top: 1px solid #f0eeea;
}

.calc-table-body .calc-row:nth-child(even) {
    background: #fafaf8;
}

.calc-disclaimer {
    font-size: 12px;
    color: #888;
    line-height: 1.7;
    margin: 0;
}

/* ─── TESTIMONIALS ─── */
.testi-head {
    text-align: center;
    margin-bottom: 50px;
}

.testi-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
}

.testi-card {
    border: 1px solid #e5e2dc;
    border-radius: 14px;
    padding: 32px;
    position: relative;
}

.testi-card::before {
    content: '\201C';
    font-family: 'Playfair Display', serif;
    font-size: 80px;
    color: var(--orange);
    opacity: 0.2;
    position: absolute;
    top: 10px;
    left: 24px;
    line-height: 1;
}

.testi-text {
    font-size: 15px;
    color: var(--text);
    line-height: 1.75;
    margin-bottom: 24px;
    font-style: italic;
}

.testi-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.testi-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 600;
    color: var(--white);
    flex-shrink: 0;
}

.testi-name {
    font-size: 14px;
    font-weight: 600;
    color: var(--navy);
}

.testi-role {
    font-size: 12px;
    color: var(--muted);
}

.stars {
    color: var(--orange);
    font-size: 14px;
    margin-bottom: 14px;
}

/* ─── CTA ─── */
.cta-section {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, var(--navy) 100%);
    padding: 100px 5%;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: -60px;
    left: 50%;
    transform: translateX(-50%);
    width: 500px;
    height: 300px;
    background: radial-gradient(ellipse, rgba(232, 99, 10, 0.2) 0%, transparent 70%);
    pointer-events: none;
}

.cta-section h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 16px;
    position: relative;
}

.cta-section p {
    font-size: 17px;
    color: rgba(255, 255, 255, 0.6);
    margin-bottom: 40px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.7;
}

.cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ─── FOOTER ─── */
footer {
    background: #061828;
    padding: 60px 5% 32px;
    color: rgba(255, 255, 255, 0.5);
}

.footer-inner {
    max-width: 1200px;
    margin: 0 auto;
}

.footer-top {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 48px;
}

.footer-brand p {
    font-size: 14px;
    line-height: 1.7;
    margin-top: 14px;
    max-width: 260px;
}

.footer-col h5 {
    font-size: 12px;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--orange-lt);
    font-weight: 600;
    margin-bottom: 18px;
}

.footer-col a {
    display: block;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.45);
    text-decoration: none;
    margin-bottom: 10px;
    transition: color 0.2s;
}

.footer-col a:hover {
    color: var(--white);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 12px;
    flex-wrap: wrap;
    gap: 12px;
}

.footer-legal {
    display: flex;
    gap: 24px;
}

.footer-legal a {
    color: rgba(255, 255, 255, 0.35);
    text-decoration: none;
}

.footer-legal a:hover {
    color: var(--white);
}

/* ─── ANIMATIONS ─── */
@keyframes fadeUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.hero-content>* {
    opacity: 0;
    animation: fadeUp 0.7s ease forwards;
}

.hero-badge {
    animation-delay: 0.1s;
}

.hero h1 {
    animation-delay: 0.25s;
}

.hero-desc {
    animation-delay: 0.4s;
}

.hero-actions {
    animation-delay: 0.55s;
}

.hero-card {
    opacity: 0;
    animation: fadeUp 0.7s ease 0.4s forwards;
}

/* ─── RESPONSIVE ─── */
@media (max-width: 900px) {
    .hero-inner {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .hero-card {
        max-width: 480px;
    }

    .why-inner {
        grid-template-columns: 1fr;
        gap: 48px;
    }

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

    .steps::before {
        display: none;
    }

    .nav-links {
        display: none;
    }

    .calc-inputs {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 600px) {
    .footer-top {
        grid-template-columns: 1fr;
    }

    .trust-bar {
        gap: 24px;
    }

    .calc-table-head,
    .calc-row {
        font-size: 11px;
        padding: 8px 8px;
    }
}