/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Inter', sans-serif;
    line-height: 1.6;
    color: #333;
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-weight: 600;
    line-height: 1.2;
}

.section-title {
    font-size: 2.5rem;
    text-align: center;
    margin-bottom: 1rem;
    color: #1e293b;
}

.section-subtitle {
    font-size: 1.125rem;
    text-align: center;
    color: #64748b;
    margin-bottom: 3rem;
}

/* Buttons */
.btn-primary {
    background: linear-gradient(135deg, #3b82f6, #1d4ed8);
    color: white;
    border: none;
    padding: 12px 24px;
    border-radius: 8px;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    font-size: 1rem;
}

.btn-primary:hover {
    background: linear-gradient(135deg, #2563eb, #1e40af);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(59, 130, 246, 0.4);
}

.btn-secondary {
    background: white;
    color: #3b82f6;
    border: 2px solid #3b82f6;
    padding: 12px 24px;
    border-radius: 8px;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    font-size: 1rem;
}

.btn-secondary:hover {
    background: #3b82f6;
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(59, 130, 246, 0.3);
}

.btn-outline {
    background: transparent;
    color: #3b82f6;
    border: 2px solid #3b82f6;
    padding: 12px 24px;
    border-radius: 8px;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    font-size: 1rem;
}

.btn-outline:hover {
    background: #3b82f6;
    color: white;
}

.btn-large {
    padding: 16px 32px;
    font-size: 1.125rem;
}

/* Header */
.header {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    border-bottom: 1px solid rgba(226, 232, 240, 0.8);
}

.nav {
    padding: 1rem 0;
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.5rem;
    font-weight: 700;
    color: #1e293b;
}

.nav-logo i {
    color: #3b82f6;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 2rem;
}

.nav-menu a {
    text-decoration: none;
    color: #64748b;
    font-weight: 500;
    transition: color 0.3s ease;
}

.nav-menu a:hover {
    color: #3b82f6;
}

.nav-actions {
    display: flex;
    gap: 1rem;
    align-items: center;
}

.nav-actions .btn-primary {
    font-size: 0.9rem;
    padding: 10px 16px;
    white-space: nowrap;
}

.nav-actions .btn-primary i {
    margin-right: 6px;
}

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 4px;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background: #64748b;
    transition: 0.3s;
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    padding: 120px 0 40px; /* Reduced bottom padding from 80px to 40px */
    min-height: 100vh;
    display: flex;
    align-items: center;
}

.hero-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.hero-title {
    font-size: 3.5rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
    color: #1e293b;
}

.highlight {
    color: #3b82f6;
    position: relative;
}

.highlight::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0; /* Default left value for PC */
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #3b82f6, #8b5cf6);
    border-radius: 2px;
}

/* Mobile styles for highlight */
@media (max-width: 768px) {
    .highlight::after {
        left: -32px; /* Adjust left value for mobile devices */
    }
}

.hero-description {
    font-size: 1.25rem;
    color: #64748b;
    margin-bottom: 2rem;
    line-height: 1.6;
}

.hero-actions {
    display: flex;
    gap: 1rem;
    margin-bottom: 3rem;
}

.hero-stats {
    display: flex;
    gap: 2rem;
}

.stat {
    text-align: center;
}

.stat-number {
    display: block;
    font-size: 2rem;
    font-weight: 700;
    color: #1e293b;
}

.stat-label {
    font-size: 0.875rem;
    color: #64748b;
}

.hero-image {
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-card {
    background: white;
    padding: 2rem;
    border-radius: 16px;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.1);
    border: 1px solid rgba(226, 232, 240, 0.8);
    max-width: 300px;
    width: 100%;
}

.card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1.5rem;
}

.card-header h3 {
    color: #1e293b;
    font-size: 1.25rem;
}

.card-header i {
    color: #22c55e;
    font-size: 1.5rem;
}

.progress-bar {
    background: #e2e8f0;
    height: 8px;
    border-radius: 4px;
    margin-bottom: 1rem;
    overflow: hidden;
}

.progress-fill {
    background: linear-gradient(90deg, #3b82f6, #22c55e);
    height: 100%;
    width: 75%;
    border-radius: 4px;
    animation: fillProgress 2s ease-in-out;
}

@keyframes fillProgress {
    from { width: 0%; }
    to { width: 75%; }
}

/* Loan Types Section */
.loans-section {
    background: white;
}

.loans-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: 2rem;
    justify-content: center;
    max-width: 900px;
    margin: 0 auto;
}

.loan-card {
    background: white;
    padding: 2.5rem;
    border-radius: 16px;
    border: 2px solid #e2e8f0;
    transition: all 0.3s ease;
    text-align: center;
    position: relative;
}

.loan-card.featured {
    border-color: #3b82f6;
    box-shadow: 0 8px 25px rgba(59, 130, 246, 0.15);
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.15);
    border-color: #3b82f6;
}

.loan-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, #3b82f6, #8b5cf6);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
    font-size: 2rem;
}

.loan-card h3 {
    font-size: 1.75rem;
    margin-bottom: 1rem;
    color: #1e293b;
}

.loan-card p {
    color: #64748b;
    margin-bottom: 1.5rem;
    line-height: 1.6;
    font-size: 1.1rem;
}

.loan-features {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
    margin-bottom: 2rem;
    padding: 1.5rem;
    background: #f8fafc;
    border-radius: 12px;
    border: 1px solid #e2e8f0;
}

.loan-features span {
    font-size: 0.95rem;
    font-weight: 500;
    color: #3b82f6;
    padding: 0.25rem 0;
}

.loan-actions {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.loan-actions .btn-primary {
    width: 100%;
    justify-content: center;
}

.loan-actions .btn-outline {
    width: 100%;
    justify-content: center;
}

/* Features Section */
.features-section {
    padding: 80px 0;
    background: #f8fafc;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.feature {
    background: white;
    padding: 2rem;
    border-radius: 12px;
    text-align: center;
    border: 1px solid #e2e8f0;
    transition: all 0.3s ease;
}

.feature:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 30px rgba(0, 0, 0, 0.1);
}

.feature-icon {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #3b82f6, #8b5cf6);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    color: white;
    font-size: 1.25rem;
}

.feature h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: #1e293b;
}

.feature p {
    color: #64748b;
    line-height: 1.6;
}

/* Testimonials Section */
.testimonials-section {
    padding: 80px 0;
    background: white;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.testimonial-card {
    background: #f8fafc;
    padding: 2rem;
    border-radius: 16px;
    border: 1px solid #e2e8f0;
    transition: all 0.3s ease;
    position: relative;
}

.testimonial-card::before {
    content: '"';
    position: absolute;
    top: -10px;
    left: 20px;
    font-size: 4rem;
    color: #3b82f6;
    font-family: serif;
    line-height: 1;
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.1);
    border-color: #3b82f6;
}

.testimonial-content {
    margin-bottom: 1.5rem;
}

.stars {
    display: flex;
    gap: 4px;
    margin-bottom: 1rem;
    color: #fbbf24;
}

.testimonial-content p {
    color: #1e293b;
    font-style: italic;
    line-height: 1.6;
    font-size: 1rem;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.author-avatar {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #3b82f6, #8b5cf6);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.5rem;
}

.author-info h4 {
    margin: 0;
    color: #1e293b;
    font-size: 1rem;
    font-weight: 600;
}

.author-info span {
    color: #64748b;
    font-size: 0.875rem;
}

/* Application Form Section */
.application-section {
    padding: 100px 0;
    background: linear-gradient(135deg, #f8fafc, #f1f5f9);
    position: relative;
}

.application-section::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23e2e8f0' fill-opacity='0.4'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    opacity: 0.6;
    z-index: 0;
}

.application-section .container {
    position: relative;
    z-index: 1;
}

.application-container {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 4rem;
    max-width: 1200px;
    margin: 0 auto;
}

.form-info {
    display: flex;
    flex-direction: column;
    gap: 2rem;
    align-self: start;
    position: sticky;
    top: 120px;
}

.info-card {
    background: white;
    padding: 2.5rem 2rem;
    border-radius: 16px;
    border: 1px solid rgba(226, 232, 240, 0.6);
    text-align: center;
    transition: all 0.4s ease;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.06);
    backdrop-filter: blur(10px);
    background: rgba(255, 255, 255, 0.9);
}

.info-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.12);
    border-color: rgba(59, 130, 246, 0.3);
}

.info-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, #3b82f6, #8b5cf6);
    border-radius: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
    font-size: 1.75rem;
    transform: rotate(5deg);
    box-shadow: 0 8px 15px rgba(139, 92, 246, 0.25);
    transition: all 0.4s ease;
}

.info-card:hover .info-icon {
    transform: rotate(0deg) scale(1.05);
}

.info-card h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
    color: #1e293b;
}

.info-card p {
    color: #64748b;
    line-height: 1.6;
}

.application-form {
    background: white;
    padding: 3rem;
    border-radius: 16px;
    border: 1px solid #e2e8f0;
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.12);
    position: relative;
    overflow: hidden;
}

.application-form::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 8px;
    background: linear-gradient(90deg, #3b82f6, #8b5cf6);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-bottom: 0.5rem;
}

.form-group {
    margin-bottom: 1.5rem;
    position: relative;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 500;
    color: #1e293b;
    font-size: 0.95rem;
    transition: all 0.3s ease;
}

.form-group select,
.form-group textarea,
.form-group input {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid #e2e8f0;
    border-radius: 10px;
    font-size: 1rem;
    transition: all 0.3s ease;
    font-family: 'Inter', sans-serif;
    background-color: #f8fafc;
}

.form-group select:hover,
.form-group textarea:hover,
.form-group input:hover {
    border-color: #cbd5e1;
}

.form-group select:focus,
.form-group textarea:focus,
.form-group input:focus {
    outline: none;
    border-color: #3b82f6;
    box-shadow: 0 0 0 4px rgba(59, 130, 246, 0.15);
    background-color: #fff;
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-section-terms {
    background-color: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 12px;
    padding: 1.5rem;
    margin-bottom: 2rem;
}

.checkbox-group {
    margin-bottom: 1rem;
    position: relative;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    cursor: pointer;
    font-size: 0.95rem;
    line-height: 1.6;
    color: #475569;
    transition: all 0.3s ease;
    padding: 0.5rem;
    border-radius: 8px;
}

.checkbox-label:hover {
    color: #1e293b;
    background-color: rgba(241, 245, 249, 0.7);
}

.checkbox-label input[type="checkbox"] {
    display: none;
}

.checkmark {
    width: 24px;
    height: 24px;
    background-color: #fff;
    border: 2px solid #cbd5e1;
    border-radius: 6px;
    position: relative;
    flex-shrink: 0;
    margin-top: 1px;
    transition: all 0.3s ease;
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.05);
}

.checkbox-label:hover .checkmark {
    border-color: #94a3b8;
    box-shadow: 0 2px 5px rgba(0, 0, 0, 0.08);
}

.checkbox-label input:checked + .checkmark {
    background-color: #3b82f6;
    border-color: #3b82f6;
    box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.15);
}

.checkbox-label input:checked + .checkmark:after {
    content: '';
    position: absolute;
    top: 40%;
    left: 50%;
    width: 6px;
    height: 10px;
    border: solid white;
    border-width: 0 2px 2px 0;
    transform: translate(-50%, -40%) rotate(45deg);
    animation: checkmark-appear 0.2s ease-in-out forwards;
}

@keyframes checkmark-appear {
    0% {
        opacity: 0;
        transform: translate(-50%, -40%) rotate(45deg) scale(0.5);
    }
    100% {
        opacity: 1;
        transform: translate(-50%, -40%) rotate(45deg) scale(1);
    }
}

.checkbox-label a {
    color: #3b82f6;
    text-decoration: none;
    font-weight: 500;
    position: relative;
    transition: all 0.3s ease;
}

.checkbox-label a::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0;
    height: 1px;
    background-color: #3b82f6;
    transition: width 0.3s ease;
}

.checkbox-label a:hover {
    color: #1d4ed8;
}

.checkbox-label a:hover::after {
    width: 100%;
}

.form-section-terms .required {
    color: #ef4444;
    font-weight: 600;
    margin-left: 3px;
}

/* Error state for checkboxes */
.checkbox-group.error .checkmark {
    border-color: #ef4444;
    box-shadow: 0 0 0 2px rgba(239, 68, 68, 0.15);
}

.checkbox-group.error .checkbox-label {
    color: #b91c1c;
}

/* Valid state for checkboxes */
.checkbox-group.valid .checkmark {
    border-color: #22c55e;
}

.form-section-title {
    margin-top: 0;
    margin-bottom: 1rem;
    font-size: 1.1rem;
    color: #334155;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.submit-btn {
    width: 100%;
    justify-content: center;
    margin-top: 2rem;
    padding: 16px;
    font-size: 1.1rem;
    font-weight: 600;
    box-shadow: 0 10px 25px rgba(59, 130, 246, 0.3);
    position: relative;
    overflow: hidden;
    transition: all 0.4s ease;
}

.submit-btn::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, rgba(255,255,255,0.2), transparent);
    transition: all 0.6s ease;
}

.submit-btn:hover::before {
    left: 100%;
}

.submit-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 30px rgba(59, 130, 246, 0.4);
}

.form-message {
    margin-top: 2rem;
    padding: 1.25rem;
    border-radius: 12px;
    text-align: center;
    font-weight: 500;
    font-size: 1.05rem;
    animation: fadeIn 0.3s ease-out;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.form-message.success {
    background-color: #dcfce7;
    color: #166534;
    border: 1px solid #bbf7d0;
    box-shadow: 0 5px 15px rgba(22, 101, 52, 0.1);
}

.form-message.error {
    background-color: #fef2f2;
    color: #dc2626;
    border: 1px solid #fecaca;
    box-shadow: 0 5px 15px rgba(220, 38, 38, 0.1);
}

/* Form Header and Sections */
.form-header {
    text-align: center;
    margin-bottom: 2.5rem;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid #e2e8f0;
}

.form-logo {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    font-size: 1.5rem;
    font-weight: 700;
    color: #1e293b;
    margin-bottom: 1rem;
}

.form-logo i {
    color: #3b82f6;
}

.form-header h3 {
    font-size: 1.75rem;
    font-weight: 600;
    color: #1e293b;
    margin-bottom: 0.75rem;
}

.form-header p {
    color: #64748b;
    font-size: 1.05rem;
}

.form-section {
    margin-bottom: 2rem;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid #f1f5f9;
}

.form-section-title {
    margin-bottom: 1.5rem;
    color: #1e293b;
    font-size: 1.25rem;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 10px;
}

.form-section-title i {
    color: #3b82f6;
}

.form-section-terms {
    border-bottom: none;
    padding-bottom: 0;
}

.form-footer {
    display: flex;
    flex-direction: column;
    align-items: center;
    margin-top: 2rem;
}

.form-note {
    font-size: 0.9rem;
    color: #64748b;
    margin-bottom: 1.5rem;
    text-align: center;
}

.required {
    color: #ef4444;
    margin-left: 2px;
}

/* Form Field Focus Indicators */
.form-group {
    position: relative;
}

.form-group input:focus + label,
.form-group select:focus + label,
.form-group textarea:focus + label {
    color: #3b82f6;
}

/* Animated Form Elements */
.form-group input,
.form-group select,
.form-group textarea {
    transform-origin: left top;
    transition: all 0.3s ease;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    transform: scale(1.01);
}

/* Submit Button Enhancement */
.submit-btn i {
    margin-right: 10px;
    transition: all 0.3s ease;
}

.submit-btn:hover i {
    transform: translateX(3px);
}

/* Back to Top Button */
#backToTopBtn {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    background-color: #3b82f6;
    color: white;
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: none;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.2);
    z-index: 1000;
    transition: all 0.3s ease;
}

#backToTopBtn:hover {
    background-color: #2563eb;
    transform: translateY(-3px);
    box-shadow: 0 6px 15px rgba(0, 0, 0, 0.25);
}

#backToTopBtn:active {
    transform: translateY(-1px);
}

#backToTopBtn.show {
    display: flex;
    animation: fadeIn 0.3s ease-in-out;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 768px) {
    #backToTopBtn {
        width: 45px;
        height: 45px;
        bottom: 20px;
        right: 20px;
        font-size: 1rem;
    }
}

/* Footer */
.footer {
    background: #1e293b;
    color: white;
    padding: 60px 0 20px;
}

.footer-content {
    display: grid;
    grid-template-columns: 1fr 1fr 2fr;
    gap: 3rem;
    margin-bottom: 2rem;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.footer-logo i {
    color: #3b82f6;
}

.footer-section p {
    color: #cbd5e1;
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.footer-section h4 {
    margin-bottom: 1rem;
    color: white;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 0.5rem;
}

.footer-section ul li a {
    color: #cbd5e1;
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-section ul li a:hover {
    color: #3b82f6;
}

.social-links {
    display: flex;
    gap: 1rem;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: #334155;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #cbd5e1;
    transition: all 0.3s ease;
}

.social-links a:hover {
    background: #3b82f6;
    color: white;
}

.contact-info {
    width: 100%;
    margin-top: 0.5rem;
}

.contact-info p {
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    margin-bottom: 0.75rem;
    color: #cbd5e1;
    line-height: 1.5;
}

/* Enhanced spacing for wider contact section */
.footer-section:nth-child(3) h4 {
    margin-bottom: 1.25rem;
    font-size: 1.1rem;
}

.contact-info i {
    color: #3b82f6;
    width: 16px;
    margin-top: 2px;
    flex-shrink: 0;
}

.contact-info a {
    color: #cbd5e1;
    text-decoration: none;
    transition: color 0.3s ease;
}

.contact-info a:hover {
    color: #3b82f6;
}

.address-info {
    margin-top: 1.25rem;
    padding-top: 1.25rem;
    border-top: 1px solid rgba(203, 213, 225, 0.1);
}

.address-info p {
    margin-bottom: 0.5rem;
}

.address-info {
    margin-top: 1rem;
}

.address-info p {
    margin-bottom: 0.5rem;
}

.address-info strong {
    color: white;
}

.footer-bottom {
    border-top: 1px solid #334155;
    padding-top: 2rem;
}

.footer-legal {
    display: flex;
    justify-content: space-between;
    align-items: center;
    color: #cbd5e1;
}

.legal-links {
    display: flex;
    gap: 2rem;
}

.legal-links a {
    color: #cbd5e1;
    text-decoration: none;
    transition: color 0.3s ease;
}

.legal-links a:hover {
    color: #3b82f6;
}

/* Responsive Design */
@media (max-width: 992px) and (min-width: 769px) {
    .footer-content {
        grid-template-columns: 1fr 1fr;
        gap: 2rem;
    }
    
    .footer-section:nth-child(1) {
        grid-column: 1;
        grid-row: 1;
    }
    
    .footer-section:nth-child(2) {
        grid-column: 2;
        grid-row: 1;
    }
    
    .footer-section:nth-child(3) {
        grid-column: 1 / span 2;
        grid-row: 2;
    }
}

@media (max-width: 768px) {
    .nav-menu {
        display: none;
    }
    
    .hamburger {
        display: flex;
    }
    
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .hero-title {
        font-size: 2.5rem;
    }
    
    .hero-actions {
        flex-direction: column;
        align-items: center;
    }
    
    .hero-stats {
        justify-content: center;
    }
    
    .section-title {
        font-size: 2rem;
    }
    
    .loans-grid {
        grid-template-columns: 1fr;
        max-width: 100%;
    }
    
    .loan-card {
        padding: 2rem;
    }
      .testimonials-grid {
        grid-template-columns: 1fr;
    }
      .application-container {
        grid-template-columns: 1fr;
        gap: 3rem;
    }

    .form-info {
        position: static;
        top: 0;
    }
    
    .form-row {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
    
    .application-form {
        padding: 2.5rem 1.5rem;
    }
    
    .form-section-title {
        font-size: 1.1rem;
    }
    
    .form-header h3 {
        font-size: 1.5rem;
    }
      .footer-content {
        grid-template-columns: 1fr;
        text-align: center;
    }
      .contact-info p {
        justify-content: center;
    }
      .contact-info i {
        margin-top: 3px;
    }
    
    .footer-legal {
        flex-direction: column;
        gap: 1rem;
        text-align: center;
    }
    
    .legal-links {
        justify-content: center;
    }
    
    .cta-info {
        flex-direction: column;
        gap: 0.5rem;
    }
      .nav-actions {
        display: flex;
    }
    
    .nav-actions .btn-primary {
        font-size: 0.8rem;
        padding: 8px 12px;
    }
}

@media (max-width: 480px) {
    .hero-title {
        font-size: 2rem;
    }
    
    .btn-large {
        padding: 12px 24px;
        font-size: 1rem;
    }
}

/* Animations */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.hero-content,
.hero-image {
    animation: fadeInUp 0.8s ease-out;
}

.loan-card,
.feature {
    animation: fadeInUp 0.8s ease-out;
}

/* Smooth scrolling */
html {
    scroll-behavior: smooth;
}

/* Form Validation Visual Feedback */
.form-group input.error,
.form-group select.error,
.form-group textarea.error {
    border-color: #ef4444;
    background-color: rgba(254, 242, 242, 0.5);
}

.form-group input.valid,
.form-group select.valid,
.form-group textarea.valid {
    border-color: #10b981;
    background-color: rgba(236, 253, 245, 0.4);
}

.form-group input.error:focus,
.form-group select.error:focus,
.form-group textarea.error:focus {
    box-shadow: 0 0 0 4px rgba(239, 68, 68, 0.15);
}

.form-group input.valid:focus,
.form-group select.valid:focus,
.form-group textarea.valid:focus {
    box-shadow: 0 0 0 4px rgba(16, 185, 129, 0.15);
}

/* CTA Section Styling */
.cta-section {
    background: linear-gradient(135deg, #3b82f6, #8b5cf6);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
    border-radius: 0;
    margin: 40px 0;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    position: relative;
    z-index: 1;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.1'%3E%3Cpath d='M50 50c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10s-10-4.477-10-10 4.477-10 10-10zM10 10c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10S0 25.523 0 20s4.477-10 10-10zm10 8c4.418 0 8-3.582 8-8s-3.582-8-8-8-8 3.582-8 8 3.582 8 8 8zm40 40c4.418 0 8-3.582 8-8s-3.582-8-8-8-8 3.582-8 8 3.582 8 8 8z' /%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    opacity: 0.1;
    z-index: -1;
}

.cta-content {
    color: white;
    text-align: center;
    max-width: 800px;
    margin: 0 auto;
    padding: 20px;
    position: relative;
}

.cta-content h2 {
    font-size: 2.8rem;
    margin-bottom: 1.2rem;
    font-weight: 700;
    text-shadow: 0 2px 4px rgba(0, 0, 0, 0.2);
    letter-spacing: -0.5px;
}

.cta-content p {
    font-size: 1.2rem;
    margin-bottom: 2.5rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
    opacity: 0.9;
}

.cta-actions {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 1.5rem;
}

.cta-actions .btn-primary {
    transform: translateY(0);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    padding: 16px 32px;
    font-size: 1.1rem;
    border-radius: 50px;
    box-shadow: 0 10px 20px rgba(0, 0, 0, 0.15);
}

.cta-actions .btn-primary:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.2);
}

.cta-info {
    display: flex;
    flex-direction: row;
    gap: 1.5rem;
    margin-top: 0.5rem;
    color: rgba(255, 255, 255, 0.9);
}

.cta-info p {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin: 0;
    font-size: 1rem;
}

.cta-info i {
    background: rgba(255, 255, 255, 0.2);
    width: 24px;
    height: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    font-size: 0.8rem;
}

/* Media queries for CTA section */
@media (max-width: 768px) {
    .cta-section {
        padding: 60px 0;
        margin: 30px 0;
    }
    
    .cta-content h2 {
        font-size: 2.2rem;
    }
    
    .cta-content p {
        font-size: 1.1rem;
    }
    
    .cta-info {
        flex-direction: column;
        gap: 0.75rem;
        align-items: center;
    }
}