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

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Source Sans 3', sans-serif;
    color: #2c2c2c;
    background: #fff;
    overflow-x: hidden;
}

a {
    color: inherit;
    text-decoration: none;
    transition: color 0.2s;
}

img {
    max-width: 100%;
    display: block;
}

ul {
    list-style: none;
}

/* ===== CSS VARIABLES ===== */
:root {
    --green-dark: #005a25;
    --green-mid: #008236;
    --green-fresh: #00a846;
    --green-light: #e6f6eb;
    --green-lighter: #f0f9f3;
    --gold: #c8973a;
    --text-dark: #1a1a1a;
    --text-mid: #3d3d3d;
    --text-muted: #666;
    --border: #dde8df;
    --white: #ffffff;
    --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.06);
    --shadow-md: 0 4px 20px rgba(0, 0, 0, 0.10);
    --shadow-lg: 0 8px 40px rgba(0, 0, 0, 0.13);
    --radius: 6px;
    --radius-lg: 12px;
    --transition: 0.25s ease;
    --container: 1440px;
}

/* ===== CONTAINER ===== */
.container {
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 24px;
    width: 100%;
}

/* ===== TOP UTILITY BAR ===== */
.utility-bar {
    background: var(--green-light);
    color: var(--text-mid);
    font-size: 13.5px;
    padding: 8px 0;
    border-bottom: 1px solid var(--border);
}

.utility-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.utility-left,
.utility-right {
    display: flex;
    gap: 15px;
    align-items: center;
}

.utility-left span,
.utility-right a {
    display: flex;
    align-items: center;
    gap: 6px;
}

.utility-right a {
    color: var(--text-mid);
    text-decoration: none;
    transition: color var(--transition);
}

.utility-right a:hover {
    color: var(--green-mid);
}

.util-apply-btn {
    background: var(--green-mid) !important;
    color: #fff !important;
    padding: 4px 12px;
    border-radius: 4px;
    font-weight: 600;
}

.util-apply-btn:hover {
    background: var(--green-dark) !important;
}

/* ===== MAIN HEADER ===== */
.main-header {
    position: absolute;
    top: 38px;
    left: 0;
    right: 0;
    z-index: 1000;
    background: #fff;
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.05);
    transition: all 0.4s ease;
    font-family: 'Inter', sans-serif;
}

.main-header.scrolled {
    position: fixed;
    top: 0;
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.1);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 8px 0;
    position: relative;
}

/* Logo */
.logo-wrap {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    z-index: 2;
}

.main-logo-img {
    height: 55px;
    width: auto;
    transition: all 0.3s ease;
}

.main-header.scrolled .main-logo-img {
    height: 45px;
}

/* Desktop Nav */
.main-nav .nav-list {
    display: flex;
    align-items: center;
    gap: 5px;
}

.main-nav .nav-list>li {
    position: relative;
}

.main-nav .nav-list>li>a {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 12px 16px;
    font-size: 15.5px;
    font-weight: 500;
    color: var(--text-dark);
    transition: all var(--transition);
    white-space: nowrap;
    position: relative;
    letter-spacing: 0.3px;
}

.main-nav .nav-list>li>a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%) scaleX(0);
    width: 70%;
    height: 2px;
    background: var(--gold);
    transition: transform 0.3s ease;
}

.main-nav .nav-list>li>a:hover::after,
.main-nav .nav-list>li>a.active::after {
    transform: translateX(-50%) scaleX(1);
}

.main-nav .nav-list>li>a:hover,
.main-nav .nav-list>li>a.active {
    color: var(--green-mid);
}

.main-nav .nav-list>li>a .fa-chevron-down {
    font-size: 9px;
    transition: transform var(--transition);
    opacity: 0.7;
}

.main-nav .nav-list>li:hover>a .fa-chevron-down {
    transform: rotate(180deg);
}

/* Nav CTA */
.nav-cta {
    background: var(--gold) !important;
    color: #fff !important;
    padding: 10px 22px !important;
    border-radius: 4px !important;
    font-weight: 600 !important;
    margin-left: 8px;
    transition: all 0.3s ease !important;
}

.nav-cta::after {
    display: none !important;
}

.nav-cta:hover {
    background: #b8862e !important;
    color: #fff !important;
    transform: translateY(-1px);
}

/* Dropdown */
.dropdown {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 240px;
    background: #fff;
    border: none;
    border-top: 3px solid var(--green-mid);
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.15);
    border-radius: 0 0 var(--radius) var(--radius);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-6px);
    transition: all var(--transition);
    z-index: 999;
    padding: 8px 0;
}

.has-dropdown:hover .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown li a {
    display: block;
    padding: 10px 20px;
    font-size: 13.5px;
    color: var(--text-mid);
    border-left: 3px solid transparent;
    transition: all var(--transition);
}

.dropdown li a:hover {
    background: var(--green-light);
    color: var(--green-dark);
    border-left-color: var(--green-mid);
}

/* Mobile toggle */
.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
    z-index: 10;
}

.mobile-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--text-dark);
    transition: all var(--transition);
    border-radius: 2px;
}

/* Mobile Nav */
.mobile-nav {
    visibility: hidden;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.5);
    z-index: 1100;
    opacity: 0;
    transition: opacity var(--transition), visibility var(--transition);
    font-family: 'Inter', sans-serif;
}

.mobile-nav.open {
    opacity: 1;
    visibility: visible;
}

.mobile-nav-inner {
    background: #fff;
    width: 300px;
    height: 100%;
    overflow-y: auto;
    padding: 0;
    transform: translateX(-100%);
    transition: transform var(--transition);
}

.mobile-nav.open .mobile-nav-inner {
    transform: translateX(0);
}

.mobile-nav-logo {
    padding: 20px 24px;
    border-bottom: 1px solid var(--border);
    text-align: center;
}

.mobile-nav-logo img {
    height: 55px;
    width: auto;
}

.mobile-nav ul li a {
    display: block;
    padding: 14px 24px;
    font-size: 15px;
    font-weight: 500;
    color: var(--text-dark);
    border-bottom: 1px solid var(--border);
}

.mobile-nav ul li a:hover {
    color: var(--green-mid);
    background: var(--green-light);
}

.mobile-apply-btn {
    background: var(--green-mid) !important;
    color: #fff !important;
    text-align: center;
    margin: 16px;
    border-radius: 4px;
}

@media (max-width: 1200px) {
    .header-inner {
        padding: 12px 15px;
    }

    .main-nav {
        display: none;
    }

    .mobile-toggle {
        display: flex;
        margin-left: auto;
    }

    .utility-bar {
        display: none;
    }

    .main-header {
        top: 0;
    }

    .hero {
        padding-top: 100px;
        padding-bottom: 80px;
    }
}

/* ===== PAGE BANNER ===== */
.page-banner {
    background-color: var(--green-dark);
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: 110px 0 90px;
    position: relative;
    overflow: hidden;
}

.page-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(to right, rgba(20, 60, 25, 0.95) 0%, rgba(20, 60, 25, 0.4) 100%);
    z-index: 1;
}

.page-banner::after {
    content: '';
    position: absolute;
    right: 60px;
    bottom: -120px;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.04);
}

.page-banner-inner {
    position: relative;
    z-index: 1;
}

.page-banner h1 {
    font-family: 'Playfair Display', serif;
    font-size: 46px;
    font-weight: 700;
    color: #fff;
    margin-bottom: 14px;
}

.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255, 255, 255, 0.75);
    font-size: 13.5px;
}

.breadcrumb a {
    color: rgba(255, 255, 255, 0.75);
}

.breadcrumb a:hover {
    color: #fff;
}

.breadcrumb span {
    color: rgba(255, 255, 255, 0.5);
}

/* ===== SECTION HELPERS ===== */
.section {
    padding: 72px 0;
}

.section-sm {
    padding: 48px 0;
}

.section-alt {
    background: var(--green-lighter);
}

.section-dark {
    background: var(--green-dark);
    color: #fff;
}

.section-header {
    text-align: center;
    margin-bottom: 52px;
}

.section-label {
    display: inline-block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--green-mid);
    margin-bottom: 10px;
}

.section-title {
    font-family: 'Playfair Display', serif;
    font-size: 34px;
    color: var(--green-dark);
    line-height: 1.3;
    margin-bottom: 14px;
}

.section-sub {
    font-size: 16px;
    color: var(--text-muted);
    max-width: 580px;
    margin: 0 auto;
    line-height: 1.7;
}

.section-divider {
    width: 48px;
    height: 3px;
    background: var(--gold);
    margin: 16px auto 0;
    border-radius: 2px;
}

/* ===== HOME HERO ===== */
.hero {
    position: relative;
    overflow: hidden;
    background: var(--green-dark);
    min-height: 86vh;
    display: flex;
    align-items: center;
    padding-bottom: 120px;
}

.hero::after {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    bottom: 0;
    width: 60%;
    background-image: url("data:image/svg+xml,%3Csvg width='38' height='59' viewBox='0 0 28 49' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.2' fill-rule='evenodd'%3E%3Cg fill-rule='nonzero'%3E%3Cpath d='M13.99 9.25l13 7.5v15l-13 7.5L1 31.75v-15l12.99-7.5zM3 17.9v12.7l10.99 6.34 11-6.35V17.9l-11-6.34L3 17.9zM0 15l12.98-7.5V0h-2v6.35L0 12.69v2.3zm0 18.5L12.98 41v8h-2v-6.85L0 35.81v-2.3zM15 0v7.5L27.99 15H28v-2.31h-.01L17 6.35V0h-2zm0 49v-8l12.99-7.5H28v2.31h-.01L17 42.65V49h-2z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    background-size: 28px 50px;
    z-index: 3;
    pointer-events: none;
    -webkit-mask-image: linear-gradient(to left, rgba(0, 0, 0, 1) 0%, rgba(0, 0, 0, 0) 100%);
    mask-image: linear-gradient(to left, rgba(0, 0, 0, 1) 0%, rgba(0, 0, 0, 0) 100%);
}

.hero-slider {
    position: absolute;
    inset: 0;
}

.hero-slide {
    position: absolute;
    inset: 0;
    opacity: 0;
    transition: opacity 1s ease;
}

.hero-slide.active {
    opacity: 1;
}

.hero-slide-bg {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to right, rgba(15, 46, 17, 0.29) 0%, rgba(13, 27, 15, 0.274) 50%, rgba(12, 38, 16, 0) 100%);
}

.hero-content {
    position: relative;
    z-index: 4;
    max-width: 620px;
    padding-top: 60px;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: #a8e6af;
    padding: 6px 16px;
    border-radius: 20px;
    font-size: 13px;
    font-weight: 500;
    margin-bottom: 24px;
    backdrop-filter: blur(4px);
}

.hero-title {
    font-family: 'Playfair Display', serif;
    font-size: 52px;
    font-weight: 700;
    color: #fff;
    line-height: 1.2;
    margin-bottom: 14px;
}

.hero-tagline {
    font-size: 19px;
    color: #c8e6ca;
    font-style: italic;
    margin-bottom: 20px;
}

.hero-desc {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.8;
    margin-bottom: 36px;
    max-width: 500px;
}

.hero-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
}

.btn-primary {
    background: var(--green-fresh);
    color: #fff;
    padding: 14px 30px;
    border-radius: 4px;
    font-size: 15px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 180px;
    gap: 8px;
    transition: all var(--transition);
    border: 2px solid transparent;
}

.btn-primary:hover {
    background: #2d8e3a;
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(45, 122, 58, 0.35);
}

.btn-outline {
    background: transparent;
    color: #fff;
    padding: 14px 30px;
    border-radius: 4px;
    font-size: 15px;
    font-weight: 600;
    border: 2px solid rgba(255, 255, 255, 0.6);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 180px;
    gap: 8px;
    transition: all var(--transition);
}

.btn-outline:hover {
    background: rgba(255, 255, 255, 0.12);
    border-color: #fff;
}

.btn-green {
    background: var(--green-mid);
    color: #fff;
    padding: 12px 28px;
    border-radius: 4px;
    font-size: 15px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: all var(--transition);
}

.btn-green:hover {
    background: var(--green-dark);
    transform: translateY(-1px);
}

.btn-gold {
    background: var(--gold);
    color: #fff;
    padding: 12px 28px;
    border-radius: 4px;
    font-size: 15px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: all var(--transition);
}

.btn-gold:hover {
    background: #b8862e;
}

/* Hero slider dots */
.hero-dots {
    position: absolute;
    bottom: 32px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 5;
    display: flex;
    gap: 10px;
}

.hero-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.4);
    border: none;
    cursor: pointer;
    transition: all var(--transition);
    padding: 0;
}

.hero-dot.active {
    background: #fff;
    width: 28px;
    border-radius: 5px;
}

/* Hero stats bar */
.hero-stats {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 4;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(8px);
    border-top: 1px solid var(--border);
}

.hero-stats-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}

.stat-item {
    padding: 20px 24px;
    text-align: center;
    border-right: 1px solid var(--border);
}

.stat-item:last-child {
    border-right: none;
}

.stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 28px;
    font-weight: 700;
    color: var(--green-dark);
    display: block;
}

.stat-label {
    font-size: 12.5px;
    color: var(--text-muted);
    margin-top: 2px;
}

/* ===== SERVICES CARDS ===== */
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.service-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    transition: all var(--transition);
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--green-mid);
    transform: scaleX(0);
    transition: transform var(--transition);
    transform-origin: left;
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: #b2d8b8;
}

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

.service-icon {
    width: 58px;
    height: 58px;
    background: var(--green-light);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
}

.service-icon i {
    font-size: 24px;
    color: var(--green-mid);
}

.service-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 19px;
    color: var(--green-dark);
    margin-bottom: 10px;
}

.service-card p {
    font-size: 14.5px;
    color: var(--text-muted);
    line-height: 1.7;
}

.service-card .learn-more {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 16px;
    font-size: 14px;
    font-weight: 600;
    color: var(--green-mid);
}

.service-card .learn-more i {
    font-size: 11px;
    transition: transform var(--transition);
}

.service-card:hover .learn-more i {
    transform: translateX(4px);
}

/* ===== WHY CHOOSE US ===== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.features-grid .feature-item:last-child:nth-child(odd) {
    grid-column: 1 / -1;
}

.feature-item {
    display: flex;
    gap: 18px;
    align-items: flex-start;
    padding: 24px;
    background: #fff;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
}

.feature-icon {
    width: 46px;
    height: 46px;
    flex-shrink: 0;
    background: var(--green-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.feature-icon i {
    font-size: 18px;
    color: var(--green-mid);
}

.feature-body h4 {
    font-size: 16px;
    font-weight: 600;
    color: var(--green-dark);
    margin-bottom: 6px;
}

.feature-body p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ===== UPAKARA SECTION ===== */
.upakara-banner {
    background: transparent;
    border-radius: var(--radius-lg);
    padding: 56px 48px;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 40px;
    align-items: center;
}

.upakara-content .badge-label {
    display: inline-block;
    background: rgba(255, 255, 255, 0.15);
    color: #a8e6af;
    padding: 4px 14px;
    border-radius: 20px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1.5px;
    margin-bottom: 16px;
}

.upakara-content h2 {
    font-family: 'Playfair Display', serif;
    font-size: 32px;
    color: #fff;
    margin-bottom: 16px;
}

.upakara-content p {
    font-size: 15px;
    color: rgba(255, 255, 255, 0.82);
    line-height: 1.8;
    max-width: 480px;
}

.upakara-actions {
    display: flex;
    gap: 12px;
    margin-top: 24px;
    flex-wrap: wrap;
}

/* ===== ELIGIBILITY / STEPS ===== */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
}

.step-item {
    padding: 32px 24px;
    text-align: center;
    position: relative;
}

.step-item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 1px;
    height: 60%;
    background: var(--border);
}

.step-number {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: var(--green-dark);
    color: #fff;
    font-family: 'Playfair Display', serif;
    font-size: 20px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}

.step-item h4 {
    font-size: 15px;
    font-weight: 600;
    color: var(--green-dark);
    margin-bottom: 8px;
}

.step-item p {
    font-size: 13.5px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ===== INTEREST RATE CARD ===== */
.rate-highlight {
    text-align: center;
    background: var(--green-dark);
    color: #fff;
    border-radius: var(--radius-lg);
    padding: 48px 40px;
}

.rate-highlight .rate-num {
    font-family: 'Playfair Display', serif;
    font-size: 72px;
    font-weight: 700;
    color: #a8e6af;
    line-height: 1;
}

.rate-highlight .rate-period {
    font-size: 18px;
    color: rgba(255, 255, 255, 0.7);
    margin-top: 4px;
}

.rate-highlight .rate-note {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.55);
    margin-top: 8px;
}

/* ===== DOCUMENT CHECKLIST ===== */
.doc-list {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 10px;
}

.doc-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 14px 16px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    font-size: 14px;
    color: var(--text-mid);
}

.doc-item i {
    color: var(--green-mid);
    margin-top: 2px;
    flex-shrink: 0;
}

/* ===== CONTACT ===== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    gap: 48px;
    align-items: start;
}

.contact-info-card {
    background: var(--green-dark);
    color: #fff;
    border-radius: var(--radius-lg);
    padding: 40px 36px;
}

.contact-info-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 24px;
    margin-bottom: 28px;
}

.contact-detail {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    margin-bottom: 24px;
}

.contact-detail .c-icon {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.12);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.contact-detail .c-icon i {
    color: #a8e6af;
}

.contact-detail .c-text strong {
    display: block;
    font-size: 13px;
    color: rgba(255, 255, 255, 0.6);
    margin-bottom: 3px;
}

.contact-detail .c-text span,
.contact-detail .c-text a {
    color: #fff;
    font-size: 15px;
}

/* Contact Form */
.contact-form {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 40px 36px;
}

.contact-form h3 {
    font-family: 'Playfair Display', serif;
    font-size: 22px;
    color: var(--green-dark);
    margin-bottom: 24px;
}

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

.form-group {
    margin-bottom: 18px;
}

.form-group label {
    display: block;
    font-size: 13.5px;
    font-weight: 600;
    color: var(--text-mid);
    margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 11px 14px;
    border: 1px solid #d0dbd2;
    border-radius: var(--radius);
    font-family: inherit;
    font-size: 14px;
    color: var(--text-dark);
    background: #fafcfa;
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--green-mid);
    box-shadow: 0 0 0 3px rgba(45, 122, 58, 0.1);
}

.form-group textarea {
    resize: vertical;
    min-height: 110px;
}

.required {
    color: #c0392b;
}

.form-submit {
    background: var(--green-mid);
    color: #fff;
    border: none;
    padding: 13px 32px;
    border-radius: 4px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.form-submit:hover {
    background: var(--green-dark);
    transform: translateY(-1px);
}

/* ===== LOAN APPLICATION FORM ===== */
.apply-form-wrap {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 48px 44px;
    max-width: 860px;
    margin: 0 auto;
}

.apply-form-wrap h2 {
    font-family: 'Playfair Display', serif;
    font-size: 26px;
    color: var(--green-dark);
    margin-bottom: 6px;
}

.apply-form-wrap .form-intro {
    font-size: 14.5px;
    color: var(--text-muted);
    margin-bottom: 32px;
    line-height: 1.6;
}

.form-section-title {
    font-size: 14px;
    font-weight: 700;
    color: var(--green-dark);
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 10px 0 10px;
    border-bottom: 2px solid var(--green-light);
    margin: 28px 0 18px;
}

.form-note {
    background: var(--green-light);
    border-left: 4px solid var(--green-mid);
    padding: 12px 16px;
    border-radius: 0 var(--radius) var(--radius) 0;
    font-size: 13.5px;
    color: var(--text-mid);
    margin-bottom: 24px;
}

.form-check {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 14px;
}

.form-check input[type="checkbox"] {
    margin-top: 2px;
    accent-color: var(--green-mid);
    width: 16px;
    height: 16px;
}

.form-check label {
    font-size: 14px;
    color: var(--text-mid);
}

/* ===== ABOUT PAGE ===== */
.about-intro-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: center;
}

.about-img-wrap {
    border-radius: var(--radius-lg);
    overflow: hidden;
    position: relative;
}

.about-img-placeholder {
    background: linear-gradient(135deg, var(--green-light), #c8e6c9);
    height: 420px;
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    gap: 12px;
}

.about-img-placeholder i {
    font-size: 64px;
    color: var(--green-mid);
    opacity: 0.4;
}

.about-img-placeholder span {
    font-size: 14px;
    color: var(--text-muted);
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 8px;
}

.value-card {
    padding: 28px 24px;
    background: #fff;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    border-top: 4px solid var(--green-mid);
    text-align: center;
}

.value-card i {
    font-size: 28px;
    color: var(--green-mid);
    margin-bottom: 14px;
}

.value-card h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--green-dark);
    margin-bottom: 8px;
}

.value-card p {
    font-size: 13.5px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ===== GALLERY ===== */
.gallery-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.gallery-item {
    border-radius: var(--radius);
    overflow: hidden;
    aspect-ratio: 4/3;
    background: linear-gradient(135deg, var(--green-light), #c8e6c9);
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
}

.gallery-item i {
    font-size: 48px;
    color: var(--green-mid);
    opacity: 0.35;
}

.gallery-item .gallery-caption {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    background: linear-gradient(transparent, rgba(20, 60, 25, 0.85));
    color: #fff;
    padding: 20px 16px 12px;
    font-size: 13px;
    font-weight: 500;
    opacity: 0;
    transition: opacity var(--transition);
}

.gallery-item:hover .gallery-caption {
    opacity: 1;
}

/* ===== NEWS ===== */
.news-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.news-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all var(--transition);
}

.news-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.news-thumb {
    height: 180px;
    background: linear-gradient(135deg, var(--green-light), #c8e6c9);
    display: flex;
    align-items: center;
    justify-content: center;
}

.news-thumb i {
    font-size: 40px;
    color: var(--green-mid);
    opacity: 0.4;
}

.news-body {
    padding: 22px;
}

.news-date {
    font-size: 12px;
    color: var(--text-muted);
    margin-bottom: 8px;
}

.news-body h3 {
    font-size: 16px;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 10px;
    line-height: 1.4;
}

.news-body p {
    font-size: 13.5px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ===== PRIVACY / TERMS ===== */
.policy-content {
    max-width: 820px;
    margin: 0 auto;
}

.policy-content h2 {
    font-family: 'Playfair Display', serif;
    font-size: 24px;
    color: var(--green-dark);
    margin: 36px 0 14px;
}

.policy-content h2:first-child {
    margin-top: 0;
}

.policy-content p {
    font-size: 15px;
    color: var(--text-mid);
    line-height: 1.8;
    margin-bottom: 14px;
}

.policy-content ul {
    padding-left: 20px;
    margin-bottom: 14px;
}

.policy-content ul li {
    font-size: 15px;
    color: var(--text-mid);
    line-height: 1.7;
    list-style: disc;
    margin-bottom: 5px;
}

/* ===== INFO BOXES ===== */
.info-box {
    background: var(--green-light);
    border: 1px solid #b2d8b8;
    border-radius: var(--radius-lg);
    padding: 24px 28px;
}

.info-box h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--green-dark);
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.info-box p {
    font-size: 14px;
    color: var(--text-mid);
    line-height: 1.7;
}

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.testimonial-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 28px;
    border: 1px solid var(--border);
}

.testimonial-card .quote-icon {
    color: var(--green-light);
    font-size: 36px;
    line-height: 1;
    margin-bottom: 12px;
    font-family: Georgia, serif;
}

.testimonial-card p {
    font-size: 14.5px;
    color: var(--text-mid);
    line-height: 1.75;
    font-style: italic;
    margin-bottom: 18px;
}

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

.author-avatar {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--green-light);
    display: flex;
    align-items: center;
    justify-content: center;
}

.author-avatar i {
    color: var(--green-mid);
}

.author-info strong {
    display: block;
    font-size: 14px;
    color: var(--text-dark);
}

.author-info span {
    font-size: 12.5px;
    color: var(--text-muted);
}

/* ===== MAP PLACEHOLDER ===== */
.map-wrap {
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--border);
    height: 300px;
    background: #e8f5e9;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    gap: 12px;
    margin-top: 24px;
}

.map-wrap i {
    font-size: 40px;
    color: var(--green-mid);
    opacity: 0.4;
}

.map-wrap span {
    font-size: 14px;
    color: var(--text-muted);
}

/* Replace with real Google Maps embed: */
/* .map-wrap iframe { width:100%;height:100%;border:0; } */

/* ===== WHATSAPP FLOAT ===== */
.whatsapp-float {
    position: fixed;
    bottom: 32px;
    right: 32px;
    z-index: 900;
    width: 56px;
    height: 56px;
    background: #25d366;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 18px rgba(37, 211, 102, 0.45);
    transition: all var(--transition);
}

.whatsapp-float i {
    font-size: 28px;
    color: #fff;
}

.whatsapp-float:hover {
    background: #20b858;
    transform: scale(1.08);
}

.wa-tooltip {
    position: absolute;
    right: 66px;
    background: #333;
    color: #fff;
    padding: 6px 12px;
    border-radius: 4px;
    font-size: 13px;
    white-space: nowrap;
    opacity: 0;
    pointer-events: none;
    transition: opacity var(--transition);
}

.whatsapp-float:hover .wa-tooltip {
    opacity: 1;
}

/* ===== BACK TO TOP ===== */
.back-to-top {
    position: fixed;
    bottom: 100px;
    right: 39px;
    z-index: 900;
    width: 42px;
    height: 42px;
    background: var(--green-dark);
    color: #fff;
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: none;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-sm);
    transition: all var(--transition);
}

.back-to-top.visible {
    display: flex;
}

.back-to-top:hover {
    background: var(--green-mid);
    transform: translateY(-2px);
}

/* ===== FOOTER ===== */
.site-footer {
    background: #0f3318;
    color: rgba(255, 255, 255, 0.8);
}

.footer-top {
    padding: 60px 0 40px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
    gap: 40px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 16px;
}

.footer-brand-name {
    display: block;
    font-family: 'Playfair Display', serif;
    font-size: 15px;
    color: #fff;
    font-weight: 600;
}

.footer-brand-tag {
    display: block;
    font-size: 11px;
    color: #7ec87e;
    font-style: italic;
}

.footer-col p {
    font-size: 13.5px;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.65);
}

.footer-reg {
    margin-top: 16px;
    padding-top: 16px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-reg p {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.45);
    margin-bottom: 3px;
}

.footer-col h4 {
    font-size: 14px;
    font-weight: 700;
    color: #fff;
    margin-bottom: 18px;
    letter-spacing: 0.5px;
    padding-bottom: 10px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-col ul li {
    margin-bottom: 9px;
}

.footer-col ul li a {
    font-size: 13.5px;
    color: rgba(255, 255, 255, 0.65);
    transition: color var(--transition);
}

.footer-col ul li a:hover {
    color: #7ec87e;
}

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
    font-size: 13.5px;
}

.footer-contact li i {
    color: #7ec87e;
    margin-top: 3px;
    flex-shrink: 0;
    width: 14px;
}

.footer-contact li a {
    color: rgba(255, 255, 255, 0.75);
}

.footer-contact li a:hover {
    color: #7ec87e;
}

.footer-social {
    display: flex;
    gap: 10px;
    margin-top: 20px;
}

.footer-social a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, 0.7);
    transition: all var(--transition);
    font-size: 14px;
}

.footer-social a:hover {
    background: var(--green-fresh);
    color: #fff;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 18px 0;
}

.footer-bottom-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
}

.footer-bottom p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.4);
}

.footer-links {
    display: flex;
    gap: 20px;
}

.footer-links a {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.45);
    transition: color var(--transition);
}

.footer-links a:hover {
    color: #7ec87e;
}

/* ===== SUCCESS / ERROR MESSAGES ===== */
.alert {
    padding: 14px 18px;
    border-radius: var(--radius);
    margin-bottom: 20px;
    font-size: 14.5px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.alert-success {
    background: #e8f5e9;
    color: #1b5e20;
    border: 1px solid #a5d6a7;
}

.alert-error {
    background: #ffebee;
    color: #b71c1c;
    border: 1px solid #ef9a9a;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero-title {
        font-size: 40px;
    }

    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .hero-stats-inner {
        grid-template-columns: repeat(2, 1fr);
    }

    .steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .steps-grid .step-item:nth-child(2)::after {
        display: none;
    }
}

@media (max-width: 768px) {

    .nav-left,
    .nav-right {
        display: none;
    }

    .mobile-toggle {
        display: flex;
    }

    .mobile-nav {
        display: block;
    }

    .logo-center {
        margin: 0 auto;
    }

    .hero {
        min-height: 70vh;
    }

    .hero-title {
        font-size: 30px;
    }

    .hero-stats {
        position: static;
    }

    .hero-stats-inner {
        grid-template-columns: repeat(2, 1fr);
    }

    .about-intro-grid {
        grid-template-columns: 1fr;
    }

    .contact-grid {
        grid-template-columns: 1fr;
    }

    .services-grid {
        grid-template-columns: 1fr;
    }

    .values-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .gallery-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .news-grid {
        grid-template-columns: 1fr;
    }

    .testimonials-grid {
        grid-template-columns: 1fr;
    }

    .team-grid {
        grid-template-columns: repeat(2, 1fr) !important;
    }

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

    .upakara-banner {
        grid-template-columns: 1fr;
        padding: 36px 28px;
    }

    .features-grid {
        grid-template-columns: 1fr;
    }

    .doc-list {
        grid-template-columns: 1fr;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .apply-form-wrap {
        padding: 28px 20px;
    }

    .section {
        padding: 48px 0;
    }

    .section-title {
        font-size: 26px;
    }
}

@media (max-width: 480px) {
    .hero-title {
        font-size: 26px;
    }

    .values-grid {
        grid-template-columns: 1fr;
    }

    .gallery-grid {
        grid-template-columns: 1fr;
    }

    .hero-stats-inner {
        grid-template-columns: 1fr;
    }

    .steps-grid {
        grid-template-columns: 1fr;
    }

    .step-item::after {
        display: none !important;
    }
}

.form-row {
    grid-template-columns: 1fr;
}

.apply-form-wrap {
    padding: 28px 20px;
}

.section {
    padding: 48px 0;
}

.section-title {
    font-size: 26px;
}


@media (max-width: 480px) {
    .hero-title {
        font-size: 26px;
    }

    .values-grid {
        grid-template-columns: 1fr;
    }

    .gallery-grid {
        grid-template-columns: 1fr;
    }

    .hero-stats-inner {
        grid-template-columns: 1fr;
    }

    .steps-grid {
        grid-template-columns: 1fr;
    }

    .step-item::after {
        display: none !important;
    }
}


.steps-grid {
    grid-template-columns: 1fr;
}

.step-item::after {
    display: none !important;
}