:root {
    --primary: #3b82f6;
    --primary-light: #60a5fa;
    --primary-dark: #2563eb;
    --accent-violet: #8b5cf6;
    --accent-emerald: #10b981;
    --accent-rose: #f43f5e;
    --slate-50: #f8fafc;
    --slate-100: #f1f5f9;
    --slate-200: #e2e8f0;
    --slate-400: #94a3b8;
    --slate-500: #64748b;
    --slate-800: #1e293b;
    --slate-900: #0f172a;
    --glass: rgba(255, 255, 255, 0.7);
    --shadow: 0 10px 40px -10px rgba(59, 130, 246, 0.15);
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Prompt', sans-serif;
    background-color: var(--slate-50);
    color: var(--slate-900);
    line-height: 1.6;
    overflow-x: hidden;
}

.bg-glow {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: -1;
    background-image:
        radial-gradient(at 0% 0%, hsla(217, 100%, 90%, 0.7) 0px, transparent 65%),
        radial-gradient(at 100% 100%, hsla(250, 100%, 90%, 0.7) 0px, transparent 65%),
        radial-gradient(at 100% 0%, hsla(330, 100%, 92%, 0.6) 0px, transparent 65%),
        radial-gradient(at 0% 100%, hsla(160, 100%, 88%, 0.6) 0px, transparent 65%);
    background-attachment: fixed;
}

.container {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 2rem;
}

.glass {
    background: var(--glass);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.4);
}

nav {
    position: fixed;
    top: 0;
    width: 100%;
    height: 72px;
    z-index: 1000;
    display: flex;
    align-items: center;
}

.nav-content {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-weight: 800;
    font-size: 1.5rem;
    color: var(--slate-900);
}

.logo-icon {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--primary), var(--accent-violet));
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    box-shadow: 0 8px 16px rgba(59, 130, 246, 0.3);
}

.hero.full-bleed {
    position: relative;
    min-height: 85vh;
    display: flex;
    align-items: center;
    overflow: hidden;
    padding: 0;
    margin-bottom: 4rem;
    color: white;
}

.hero-bg-wrapper {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 1;
}

.hero-bg-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    filter: brightness(0.6) contrast(1.1);
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(to right, rgba(15, 23, 42, 0.9) 0%, rgba(15, 23, 42, 0.4) 50%, transparent 100%);
    z-index: 2;
}

.hero-container {
    position: relative;
    z-index: 3;
    width: 100%;
}

.hero-content {
    max-width: 650px;
    text-align: left;
}

.hero-badge {
    display: inline-flex;
    padding: 0.5rem 1rem;
    background: rgba(59, 130, 246, 0.2);
    border: 1px solid rgba(59, 130, 246, 0.3);
    border-radius: 2rem;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--primary-light);
    margin-bottom: 1.5rem;
    backdrop-filter: blur(10px);
}

.hero-title {
    font-size: 3.5rem;
    line-height: 1.1;
    font-weight: 800;
    margin-bottom: 1.5rem;
}

.hero-title .highlight {
    background: linear-gradient(135deg, #60a5fa, #a855f7);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

.hero-description {
    font-size: 1.25rem;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 2.5rem;
}

.btn-lg {
    padding: 1.25rem 2.5rem;
    font-size: 1.125rem;
}

.hero-stats {
    display: flex;
    align-items: center;
    gap: 3rem;
    margin-top: 4rem;
}

.stat-item {
    display: flex;
    flex-direction: column;
}

.stat-val {
    font-size: 1.75rem;
    font-weight: 800;
    color: white;
}

.stat-divider {
    width: 1px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
}

@media (max-width: 900px) {
    .hero.full-bleed {
        min-height: 70vh;
        text-align: center;
    }

    .hero-content {
        max-width: 100%;
        text-align: center;
    }

    .hero-title {
        font-size: 2.5rem;
    }

    .hero-actions {
        justify-content: center !important;
    }

    .hero-stats {
        justify-content: center;
        gap: 1.5rem;
    }
}

.hero {
    padding-top: 10rem;
    padding-bottom: 6rem;
    text-align: center;
}

.premium-gradient-text {
    font-size: 3.5rem;
    line-height: 1.1;
    font-weight: 800;
    background: linear-gradient(135deg, var(--primary) 0%, var(--accent-violet) 50%, #f472b6 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 1.5rem;
}

.hero-subtext {
    font-size: 1.25rem;
    color: var(--slate-500);
    max-width: 700px;
    margin: 0 auto 2.5rem;
}

.hero-actions {
    display: flex;
    justify-content: center;
    gap: 1rem;
    margin-bottom: 4rem;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 1rem 2rem;
    border-radius: 1rem;
    font-weight: 700;
    font-size: 1rem;
    text-decoration: none;
    transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
    cursor: pointer;
    border: none;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary), var(--accent-violet));
    color: white;
    box-shadow: 0 10px 20px rgba(59, 130, 246, 0.2);
}

.btn-primary:hover {
    transform: translateY(-4px);
    box-shadow: 0 15px 30px rgba(59, 130, 246, 0.3);
}

.btn-outline {
    background: white;
    color: var(--slate-900);
    border: 1px solid var(--slate-200);
}

.btn-outline:hover {
    background: var(--slate-100);
    transform: translateY(-4px);
}

.full-width {
    width: 100%;
}

.mt-4 {
    margin-top: 1rem;
}

.trust-badges {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 2rem;
    color: var(--slate-500);
    font-size: 0.875rem;
    font-weight: 500;
}

.badge {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.section {
    padding: 6rem 0;
}

.section-header {
    text-align: center;
    margin-bottom: 4rem;
}

.section-title {
    font-size: 2.25rem;
    font-weight: 800;
    margin-bottom: 1rem;
}

.section-subtext {
    color: var(--slate-500);
}

.fo-card {
    background: rgba(255, 255, 255, 0.8);
    backdrop-filter: blur(20px);
    border-radius: 2rem;
    padding: 2.5rem;
    box-shadow: var(--shadow);
    border: 1px solid rgba(255, 255, 255, 0.4);
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 2rem;
}

.calc-inputs label {
    display: block;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--slate-500);
    margin-bottom: 1rem;
}

.input-group {
    margin-bottom: 2.5rem;
}

.range-display {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 0.5rem;
}

.slider {
    width: 100%;
    height: 8px;
    background: var(--slate-200);
    border-radius: 4px;
    outline: none;
    -webkit-appearance: none;
    appearance: none;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    background: var(--primary);
    border: 4px solid white;
    border-radius: 50%;
    cursor: pointer;
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1);
    transition: all 0.2s;
}

.slider::-webkit-slider-thumb:hover {
    transform: scale(1.1);
}

.range-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--slate-400);
    margin-top: 0.5rem;
}

.interest-chips {
    display: flex;
    gap: 0.5rem;
    flex-wrap: wrap;
}

.chip {
    padding: 0.5rem 1rem;
    border-radius: 0.75rem;
    border: 1px solid var(--slate-200);
    background: white;
    font-size: 0.75rem;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.2s;
}

.chip.active {
    background: var(--primary);
    color: white;
    border-color: var(--primary);
    box-shadow: 0 4px 12px rgba(59, 130, 246, 0.2);
}

.calc-results.accent {
    background: linear-gradient(135deg, var(--slate-900) 0%, #1e1b4b 100%);
    color: white;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.result-item {
    text-align: center;
    margin-bottom: 2rem;
}

.value.primary {
    font-size: 3rem;
    font-weight: 800;
    background: linear-gradient(135deg, var(--primary-light), var(--accent-emerald));
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

hr {
    border: none;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    margin-bottom: 2rem;
}

.result-details {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.detail {
    display: flex;
    justify-content: space-between;
    font-size: 0.875rem;
}

.detail .val {
    font-weight: 700;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.fo-card-hover {
    padding: 3rem 2rem;
    background: white;
    border-radius: 2rem;
    transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.04);
}

.fo-card-hover:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(59, 130, 246, 0.1);
}

.icon-box {
    width: 64px;
    height: 64px;
    border-radius: 1.25rem;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    color: white;
}

.icon-box.emerald {
    background: var(--accent-emerald);
}

.icon-box.blue {
    background: var(--primary);
}

.icon-box.violet {
    background: var(--accent-violet);
}

.benefit-card h3 {
    font-size: 1.25rem;
    margin-bottom: 1rem;
}

.benefit-card p {
    font-size: 0.875rem;
    color: var(--slate-500);
}

.form-container {
    max-width: 800px;
    margin: 0 auto;
}

.form-header {
    text-align: center;
    margin-bottom: 3rem;
}

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

.form-group label {
    display: block;
    font-size: 0.75rem;
    font-weight: 800;
    color: var(--slate-500);
    text-transform: uppercase;
    margin-bottom: 0.5rem;
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 1rem;
    border-radius: 1rem;
    border: 1px solid var(--slate-200);
    background: var(--slate-50);
    font-family: inherit;
    font-size: 1rem;
    outline: none;
    transition: all 0.3s;
}

.form-group input:focus {
    border-color: var(--primary);
    background: white;
    box-shadow: 0 0 0 4px rgba(59, 130, 246, 0.1);
}

.full-width {
    grid-column: span 2;
}

footer {
    padding: 4rem 0;
    border-top: 1px solid var(--slate-200);
    margin-top: 4rem;
}

.footer-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    color: var(--slate-500);
    font-size: 0.875rem;
}

.socials {
    display: flex;
    gap: 1rem;
}

.form-msg {
    margin-top: 1rem;
    font-size: 0.875rem;
    text-align: center;
    font-weight: 600;
}

.form-msg.success {
    color: var(--accent-emerald);
}

.form-msg.error {
    color: var(--accent-rose);
}

/* Process Map */
.process-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    position: relative;
    margin-top: 2rem;
}

.process-step {
    text-align: center;
    position: relative;
    z-index: 1;
}

.step-number {
    width: 50px;
    height: 50px;
    background: var(--primary);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 1.25rem;
    margin: 0 auto 1.5rem;
    box-shadow: 0 4px 15px rgba(59, 130, 246, 0.4);
}

.process-step h3 {
    margin-bottom: 0.75rem;
    font-size: 1.125rem;
}

.process-step p {
    font-size: 0.875rem;
    color: var(--slate-500);
}

/* FAQ Accordion */
.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: white;
    border-radius: 1rem;
    margin-bottom: 1rem;
    overflow: hidden;
    border: 1px solid var(--slate-200);
    transition: all 0.3s;
}

.faq-question {
    padding: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-weight: 600;
}

.faq-answer {
    padding: 0 1.5rem 1.5rem;
    color: var(--slate-500);
    font-size: 0.9375rem;
    display: none;
}

.faq-item.active .faq-answer {
    display: block;
}

.faq-item.active {
    border-color: var(--primary-light);
    box-shadow: 0 4px 20px rgba(59, 130, 246, 0.08);
}

/* Effective Rate Info */
.effective-rate-box {
    margin-top: 1.5rem;
    padding: 1.25rem;
    background: rgba(59, 130, 246, 0.05);
    border-left: 4px solid var(--primary);
    border-radius: 0.5rem;
}

.effective-rate-box h4 {
    font-size: 0.875rem;
    color: var(--primary-dark);
    margin-bottom: 0.5rem;
}

.effective-rate-box p {
    font-size: 0.8125rem;
    color: var(--slate-600);
    line-height: 1.4;
}

/* Repayment Table */
.table-container {
    overflow-x: auto;
    margin-top: 1.5rem;
}

.repayment-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.875rem;
    text-align: left;
}

.repayment-table th {
    background: var(--slate-100);
    padding: 1rem;
    font-weight: 700;
    color: var(--slate-800);
}

.repayment-table td {
    padding: 1rem;
    border-bottom: 1px solid var(--slate-100);
}

/* Authority Content / Blog */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.blog-card {
    background: white;
    padding: 0;
    border-radius: 2rem;
    border: 1px solid var(--slate-100);
    transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.blog-card:hover {
    transform: translateY(-8px);
    border-color: var(--primary-light);
    box-shadow: 0 30px 60px -12px rgba(15, 23, 42, 0.1);
}

.blog-img-container {
    width: 100%;
    height: 200px;
    overflow: hidden;
}

.blog-img-container img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

.blog-card:hover .blog-img-container img {
    transform: scale(1.05);
}

.blog-card-content {
    padding: 2rem;
    flex-grow: 1;
    display: flex;
    flex-direction: column;
}

.blog-tag {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 0.75rem;
    letter-spacing: 0.05em;
}

.blog-card h4 {
    margin-bottom: 1rem;
    font-size: 1.35rem;
    line-height: 1.3;
    color: var(--slate-900);
    font-weight: 700;
}

.blog-link {
    color: var(--primary);
    text-decoration: none;
    font-weight: 700;
    font-size: 0.9rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-top: auto;
}

/* Authority / Commitment */
.commitment-section {
    text-align: center;
    max-width: 700px;
    margin: 4rem auto 0;
    padding: 3rem;
    background: linear-gradient(135deg, rgba(59, 130, 246, 0.05), rgba(139, 92, 246, 0.05));
    border-radius: 2.5rem;
}

.commitment-section h2 {
    font-size: 1.75rem;
    margin-bottom: 1rem;
}

/* Disclaimer */
.disclaimer {
    font-size: 0.75rem;
    color: var(--slate-400);
    text-align: center;
    max-width: 900px;
    margin: 2rem auto 0;
    line-height: 1.6;
}

@media (max-width: 900px) {

    .calculator-grid,
    .benefits-grid {
        grid-template-columns: 1fr;
    }

    .premium-gradient-text {
        font-size: 2.5rem;
    }
}

@media (max-width: 600px) {
    .sm-hide {
        display: none;
    }

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

    .full-width {
        grid-column: span 1;
    }
}

@keyframes fadeUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }

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

.animate-fade-up {
    animation: fadeUp 1s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}