:root {
    --navy: #0c2544;
    --navy-soft: #14385f;
    --emerald: #0f8f61;
    --emerald-dark: #096644;
    --gold: #d6a846;
    --gold-dark: #b88523;
    --white: #ffffff;
    --light: #f4f7f8;
    --text: #243447;
    --muted: #65758b;
    --border: #dce5ea;
    --shadow: 0 18px 45px rgba(12, 37, 68, 0.12);
}

html {
    scroll-behavior: smooth;
}

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

h1,
h2,
h3,
h4,
h5,
h6 {
    color: var(--navy);
    font-weight: 800;
    line-height: 1.18;
}

a {
    color: var(--emerald);
    text-decoration: none;
}

a:hover {
    color: var(--emerald-dark);
}

.site-navbar {
    background: rgba(12, 37, 68, 0.98);
    box-shadow: 0 10px 30px rgba(2, 12, 24, 0.18);
}

.navbar-brand {
    color: var(--white);
    line-height: 1;
}

.navbar-brand small {
    display: block;
    color: rgba(255, 255, 255, 0.72);
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0;
}

.brand-logo {
    width: 54px;
    height: 54px;
    object-fit: contain;
    border-radius: 8px;
    background: var(--white);
    padding: 4px;
}

.navbar-dark .navbar-nav .nav-link {
    color: rgba(255, 255, 255, 0.78);
    font-weight: 700;
    font-size: 0.95rem;
}

.navbar-dark .navbar-nav .nav-link:hover,
.navbar-dark .navbar-nav .nav-link.active {
    color: var(--gold);
}

.btn {
    border-radius: 8px;
    font-weight: 800;
    transition: transform 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}

.btn:hover {
    transform: translateY(-2px);
}

.btn-gold {
    background: var(--gold);
    border-color: var(--gold);
    color: #11243b;
}

.btn-gold:hover {
    background: var(--gold-dark);
    border-color: var(--gold-dark);
    color: var(--white);
    box-shadow: 0 12px 26px rgba(214, 168, 70, 0.28);
}

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

.btn-navy:hover {
    background: var(--navy-soft);
    border-color: var(--navy-soft);
    color: var(--white);
    box-shadow: 0 12px 26px rgba(12, 37, 68, 0.18);
}

.btn-outline-navy {
    border-color: var(--navy);
    color: var(--navy);
}

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

.btn-whatsapp {
    background: #25d366;
    border-color: #25d366;
    color: #07351a;
}

.btn-whatsapp:hover {
    background: #19b858;
    border-color: #19b858;
    color: var(--white);
}

.hero-section {
    position: relative;
    min-height: 720px;
    color: var(--white);
    background: linear-gradient(90deg, rgba(12, 37, 68, 0.94), rgba(12, 37, 68, 0.55)), url("https://images.unsplash.com/photo-1556742049-0cfed4f6a45d?auto=format&fit=crop&w=1800&q=80") center/cover no-repeat;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(12, 37, 68, 0.05), rgba(12, 37, 68, 0.18));
}

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

.min-vh-75 {
    min-height: 720px;
}

.hero-section h1,
.page-hero h1 {
    color: var(--white);
    font-size: clamp(2.3rem, 5vw, 4.9rem);
    max-width: 920px;
}

.hero-section .lead {
    color: rgba(255, 255, 255, 0.86);
    max-width: 720px;
    margin: 1.35rem 0 2rem;
    font-size: 1.24rem;
}

.eyebrow,
.section-kicker {
    display: inline-block;
    color: var(--gold);
    font-size: 0.78rem;
    font-weight: 900;
    letter-spacing: 0.08rem;
    margin-bottom: 0.75rem;
    text-transform: uppercase;
}

.section-pad {
    padding: 92px 0;
}

.section-heading {
    max-width: 760px;
    margin: 0 auto 3rem;
}

.bg-light-grey {
    background: var(--light);
}

.bg-navy {
    background: var(--navy);
}

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

.image-cover {
    width: 100%;
    min-height: 390px;
    object-fit: cover;
}

.feature-card,
.service-tile,
.value-card,
.info-panel,
.terms-card,
.form-panel,
.disclaimer-box,
.commitment-box {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 2rem;
    box-shadow: 0 10px 24px rgba(12, 37, 68, 0.06);
}

.feature-card,
.service-tile,
.value-card,
.terms-card {
    transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.feature-card:hover,
.service-tile:hover,
.value-card:hover,
.terms-card:hover {
    border-color: rgba(15, 143, 97, 0.32);
    box-shadow: var(--shadow);
    transform: translateY(-6px);
}

.feature-card i,
.service-tile i,
.value-card i,
.info-panel i,
.terms-card i {
    width: 52px;
    height: 52px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    background: rgba(15, 143, 97, 0.12);
    color: var(--emerald);
    font-size: 1.55rem;
    margin-bottom: 1.2rem;
}

.feature-card h3,
.service-tile h3,
.value-card h3 {
    font-size: 1.15rem;
}

.check-item {
    display: flex;
    gap: 0.75rem;
    align-items: center;
    padding: 1rem 1.15rem;
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.06);
    font-weight: 700;
}

.check-item i {
    color: var(--gold);
}

.cta-band {
    padding: 86px 0;
    background: linear-gradient(135deg, rgba(12, 37, 68, 0.96), rgba(15, 143, 97, 0.88)), url("https://images.unsplash.com/photo-1521790797524-b2497295b8a0?auto=format&fit=crop&w=1800&q=80") center/cover no-repeat;
    color: var(--white);
}

.cta-band h2 {
    color: var(--white);
}

.cta-band p {
    max-width: 720px;
    margin: 0.75rem auto 1.75rem;
    color: rgba(255, 255, 255, 0.86);
}

.contact-preview {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 2rem;
    padding: 2.4rem;
    border-radius: 8px;
    background: var(--light);
    border-left: 6px solid var(--emerald);
}

.page-hero {
    padding: 145px 0 110px;
    color: var(--white);
    background: linear-gradient(90deg, rgba(12, 37, 68, 0.92), rgba(12, 37, 68, 0.58)), url("https://images.unsplash.com/photo-1554224155-1696413565d3?auto=format&fit=crop&w=1800&q=80") center/cover no-repeat;
}

.about-hero {
    background-image: linear-gradient(90deg, rgba(12, 37, 68, 0.92), rgba(12, 37, 68, 0.58)), url("https://images.unsplash.com/photo-1559136555-9303baea8ebd?auto=format&fit=crop&w=1800&q=80");
}

.services-hero {
    background-image: linear-gradient(90deg, rgba(12, 37, 68, 0.92), rgba(12, 37, 68, 0.58)), url("https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&w=1800&q=80");
}

.process-hero {
    background-image: linear-gradient(90deg, rgba(12, 37, 68, 0.92), rgba(12, 37, 68, 0.58)), url("https://images.unsplash.com/photo-1552664730-d307ca884978?auto=format&fit=crop&w=1800&q=80");
}

.terms-hero {
    background-image: linear-gradient(90deg, rgba(12, 37, 68, 0.92), rgba(12, 37, 68, 0.58)), url("https://images.unsplash.com/photo-1554224154-22dec7ec8818?auto=format&fit=crop&w=1800&q=80");
}

.contact-hero {
    background-image: linear-gradient(90deg, rgba(12, 37, 68, 0.92), rgba(12, 37, 68, 0.58)), url("https://images.unsplash.com/photo-1516321318423-f06f85e504b3?auto=format&fit=crop&w=1800&q=80");
}

.apply-hero {
    background-image: linear-gradient(90deg, rgba(12, 37, 68, 0.92), rgba(12, 37, 68, 0.58)), url("https://images.unsplash.com/photo-1554224154-26032ffc0d07?auto=format&fit=crop&w=1800&q=80");
}

.faq-hero {
    background-image: linear-gradient(90deg, rgba(12, 37, 68, 0.92), rgba(12, 37, 68, 0.58)), url("https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1800&q=80");
}

.team-card {
    display: flex;
    gap: 1.3rem;
    padding: 2rem;
    background: var(--white);
    border-radius: 8px;
    border: 1px solid var(--border);
}

.team-avatar {
    flex: 0 0 70px;
    width: 70px;
    height: 70px;
    display: grid;
    place-items: center;
    border-radius: 8px;
    color: var(--white);
    background: var(--navy);
    font-size: 2rem;
}

.role {
    color: var(--emerald);
    font-weight: 800;
    margin-bottom: 0.75rem;
}

.team-card ul,
.icon-list {
    padding-left: 0;
    margin-bottom: 0;
    list-style: none;
}

.team-card li {
    margin-bottom: 0.5rem;
}

.team-card li::before {
    content: "•";
    color: var(--gold);
    font-weight: 900;
    margin-right: 0.5rem;
}

.commitment-box {
    max-width: 960px;
    margin: 0 auto;
    border-left: 6px solid var(--gold);
}

.feature-table-wrap {
    border: 1px solid var(--border);
    border-radius: 8px;
    overflow: hidden;
    box-shadow: var(--shadow);
}

.feature-table th {
    width: 38%;
    color: var(--navy);
    background: var(--light);
    padding: 1.1rem 1.25rem;
}

.feature-table td {
    padding: 1.1rem 1.25rem;
    font-weight: 700;
}

.use-card {
    overflow: hidden;
    border: 1px solid var(--border);
    border-radius: 8px;
    background: var(--white);
    box-shadow: 0 10px 24px rgba(12, 37, 68, 0.06);
}

.use-card img {
    width: 100%;
    height: 250px;
    object-fit: cover;
}

.use-card > div {
    padding: 2rem;
}

.icon-list li {
    display: flex;
    align-items: center;
    gap: 0.7rem;
    margin-bottom: 0.8rem;
    font-weight: 700;
}

.icon-list i {
    color: var(--emerald);
}

.timeline {
    position: relative;
    max-width: 980px;
    margin: 0 auto;
}

.timeline::before {
    content: "";
    position: absolute;
    left: 33px;
    top: 0;
    bottom: 0;
    width: 3px;
    background: var(--border);
}

.timeline-item {
    position: relative;
    display: grid;
    grid-template-columns: 70px 1fr;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

.timeline-number {
    position: relative;
    z-index: 1;
    width: 66px;
    height: 66px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--emerald);
    color: var(--white);
    font-size: 1.35rem;
    font-weight: 900;
    box-shadow: 0 0 0 8px var(--white);
}

.timeline-card {
    padding: 1.5rem;
    border-radius: 8px;
    border: 1px solid var(--border);
    background: var(--white);
    box-shadow: 0 10px 24px rgba(12, 37, 68, 0.06);
}

.timeline-card i {
    color: var(--gold);
    font-size: 1.5rem;
}

.timeline-card h3 {
    margin-top: 0.6rem;
    font-size: 1.18rem;
}

.terms-card h2,
.info-panel h2 {
    font-size: 1.35rem;
}

.disclaimer-box {
    border-left: 6px solid var(--gold);
}

.contact-list {
    display: grid;
    gap: 1rem;
    margin-top: 1.5rem;
}

.contact-list div {
    display: flex;
    gap: 0.9rem;
    align-items: flex-start;
    padding: 1rem;
    background: var(--light);
    border-radius: 8px;
}

.contact-list i {
    color: var(--emerald);
    font-size: 1.25rem;
}

.form-panel {
    box-shadow: var(--shadow);
}

.form-control,
.form-select {
    min-height: 50px;
    border-color: var(--border);
    border-radius: 8px;
}

.form-control:focus,
.form-select:focus {
    border-color: var(--emerald);
    box-shadow: 0 0 0 0.2rem rgba(15, 143, 97, 0.14);
}

.loan-summary {
    display: grid;
    gap: 0.85rem;
    margin-top: 1.5rem;
}

.loan-summary div {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    padding: 1rem;
    border-radius: 8px;
    background: var(--light);
}

.loan-summary span {
    color: var(--emerald-dark);
    font-weight: 900;
}

.faq-accordion .accordion-item {
    border: 1px solid var(--border);
    border-radius: 8px;
    overflow: hidden;
    margin-bottom: 1rem;
}

.faq-accordion .accordion-button {
    color: var(--navy);
    font-weight: 800;
    box-shadow: none;
}

.faq-accordion .accordion-button:not(.collapsed) {
    background: rgba(15, 143, 97, 0.1);
    color: var(--emerald-dark);
}

.maintenance-body {
    min-height: 100vh;
    background: var(--navy);
}

.maintenance-page {
    min-height: 100vh;
}

.maintenance-hero {
    position: relative;
    min-height: 100vh;
    overflow: hidden;
    color: var(--white);
    background: linear-gradient(110deg, rgba(7, 25, 47, 0.98), rgba(12, 37, 68, 0.86)), url("https://images.unsplash.com/photo-1554224154-22dec7ec8818?auto=format&fit=crop&w=1800&q=80") center/cover no-repeat;
}

.maintenance-visual {
    position: absolute;
    inset: auto 0 0 0;
    height: 42%;
    background: linear-gradient(0deg, rgba(15, 143, 97, 0.25), rgba(15, 143, 97, 0));
}

.maintenance-shell {
    position: relative;
    z-index: 1;
    display: flex;
    min-height: 100vh;
    flex-direction: column;
    justify-content: center;
    padding-top: 48px;
    padding-bottom: 48px;
}

.maintenance-brand {
    display: flex;
    align-items: center;
    gap: 0.85rem;
    margin-bottom: 4rem;
    color: var(--white);
    font-size: 1.05rem;
    font-weight: 900;
}

.maintenance-brand img {
    width: 58px;
    height: 58px;
    object-fit: contain;
    border-radius: 8px;
    background: var(--white);
    padding: 5px;
}

.maintenance-hero h1 {
    max-width: 820px;
    color: var(--white);
    font-size: clamp(2.4rem, 6vw, 5.6rem);
}

.maintenance-lead {
    max-width: 690px;
    margin: 1.35rem 0 2rem;
    color: rgba(255, 255, 255, 0.86);
    font-size: 1.22rem;
}

.maintenance-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
}

.maintenance-panel {
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 8px;
    padding: 2rem;
    background: rgba(255, 255, 255, 0.1);
    box-shadow: 0 24px 60px rgba(2, 12, 24, 0.24);
}

.maintenance-status {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding-bottom: 1.5rem;
    margin-bottom: 1.5rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.16);
}

.maintenance-status i {
    display: grid;
    width: 52px;
    height: 52px;
    flex: 0 0 52px;
    place-items: center;
    border-radius: 8px;
    color: var(--navy);
    background: var(--gold);
    font-size: 1.45rem;
}

.maintenance-status strong,
.maintenance-status span {
    display: block;
}

.maintenance-status strong {
    color: var(--white);
    font-size: 1.15rem;
}

.maintenance-status span {
    color: rgba(255, 255, 255, 0.74);
}

.maintenance-contact {
    display: grid;
    gap: 1rem;
}

.maintenance-contact div {
    display: flex;
    gap: 0.85rem;
    align-items: flex-start;
    color: rgba(255, 255, 255, 0.82);
}

.maintenance-contact i {
    color: var(--gold);
    font-size: 1.2rem;
}

.site-footer {
    padding: 70px 0 28px;
    color: rgba(255, 255, 255, 0.78);
    background: #07192f;
}

.site-footer h3 {
    color: var(--white);
    font-size: 1rem;
    margin-bottom: 1rem;
}

.footer-brand {
    color: var(--white);
    font-size: 1.4rem;
    font-weight: 900;
    margin-bottom: 0.6rem;
}

.footer-logo-wrap {
    display: flex;
    align-items: center;
    gap: 0.85rem;
    margin-bottom: 0.7rem;
}

.footer-logo {
    width: 64px;
    height: 64px;
    object-fit: contain;
    border-radius: 8px;
    background: var(--white);
    padding: 5px;
}

.footer-tagline {
    color: var(--gold);
    font-weight: 800;
}

.footer-links,
.footer-contact {
    padding-left: 0;
    list-style: none;
    margin-bottom: 0;
}

.footer-links li,
.footer-contact li {
    margin-bottom: 0.65rem;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.74);
}

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

.footer-contact i {
    color: var(--gold);
    margin-right: 0.5rem;
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    margin-top: 3rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    font-size: 0.92rem;
}

.scroll-top {
    position: fixed;
    right: 20px;
    bottom: 20px;
    z-index: 30;
    width: 44px;
    height: 44px;
    border: 0;
    border-radius: 8px;
    background: var(--gold);
    color: var(--navy);
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.2s ease, visibility 0.2s ease, transform 0.2s ease;
}

.scroll-top.is-visible {
    opacity: 1;
    visibility: visible;
}

.scroll-top:hover {
    transform: translateY(-3px);
}

@media (max-width: 991.98px) {
    .section-pad {
        padding: 70px 0;
    }

    .hero-section,
    .min-vh-75 {
        min-height: 640px;
    }

    .contact-preview {
        align-items: flex-start;
        flex-direction: column;
    }

    .footer-bottom {
        flex-direction: column;
    }

    .maintenance-brand {
        margin-bottom: 3rem;
    }
}

@media (max-width: 767.98px) {
    .hero-section,
    .min-vh-75 {
        min-height: 590px;
    }

    .hero-section .lead {
        font-size: 1.05rem;
    }

    .page-hero {
        padding: 105px 0 80px;
    }

    .team-card {
        flex-direction: column;
    }

    .feature-table th,
    .feature-table td {
        display: block;
        width: 100%;
    }

    .timeline::before {
        left: 24px;
    }

    .timeline-item {
        grid-template-columns: 50px 1fr;
        gap: 1rem;
    }

    .timeline-number {
        width: 50px;
        height: 50px;
        box-shadow: 0 0 0 6px var(--white);
    }

    .maintenance-shell {
        padding-top: 32px;
        padding-bottom: 32px;
    }

    .maintenance-lead {
        font-size: 1.05rem;
    }

    .maintenance-actions .btn {
        width: 100%;
    }

    .maintenance-panel {
        padding: 1.35rem;
    }
}