* {
  font-family: 'Inter', sans-serif;
  margin: 0;
  padding: 0;
}

body {
  background-color: #ffffff;
  color: #1e2e44;
}

/* ===== HEADER (scroll sensitive) ===== */
.custom-navbar {
  position: fixed;
  width: 100%;
  z-index: 1000;
  padding: 28px 0;
  transition: padding 0.2s ease, background 0.2s ease, box-shadow 0.2s;
  background: transparent;
}

.custom-navbar.scrolled {
  background: #ffffff;
  padding: 12px 0;
  box-shadow: 0 8px 22px rgba(0, 20, 40, 0.05);
}

.logo-img {
  height: 65px !important;
  width: auto;
  transition: all 0.15s ease;
  filter: brightness(0) invert(1);
  transform-origin: left center;
}

.custom-navbar.scrolled .logo-img {
  filter: brightness(0.2);
  height: 50px;
}

.img1{
  display: block;
}

.img2{
  display: none;
}



.nav-link {
  color: #ffffff !important;
  font-weight: 500;
  margin-left: 28px;
  transition: color 0.2s;
  font-size: 1rem;
}

.custom-navbar.scrolled .nav-link {
  color: #1d3f5c !important;
}

.nav-link:hover {
  opacity: 0.8;
}

.header-btn {
  background: #ffffff;
  color: #0b3b5c;
  padding: 8px 28px;
  border-radius: 60px;
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  transition: 0.2s;
  box-shadow: 0 6px 14px rgba(0, 0, 0, 0.05);
}

.custom-navbar.scrolled .header-btn {
  background: #0b3b5c;
  color: #ffffff;
}

.header-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 22px rgba(0, 40, 70, 0.2);
}

/* ===== MOBILE NAVBAR FIXES ===== */
.navbar-toggler {
  border: none;
  padding: 8px;
}

.navbar-toggler:focus {
  box-shadow: none;
  outline: none;
}

.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(255, 255, 255, 1)' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e") !important;
}

.custom-navbar.scrolled .navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(11, 59, 92, 1)' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e") !important;
}

/* Mobile menu styling */
@media (max-width: 991px) {
  .navbar-collapse {
    background: #0a2940;
    padding: 20px;
    border-radius: 20px;
    margin-top: 15px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
  }

  .custom-navbar.scrolled .navbar-collapse {
    background: #ffffff;
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.1);
  }

  .nav-link {
    margin-left: 0 !important;
    padding: 12px 0 !important;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    color: #ffffff !important;
  }

  .custom-navbar.scrolled .nav-link {
    color: #1d3f5c !important;
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
  }

  .nav-item:last-child .nav-link {
    border-bottom: none;
  }

  .d-lg-none .btn {
    display: block;
    width: 100%;
    margin-top: 15px;
    text-align: center;
    background: #ffffff;
    color: #0b3b5c;
    padding: 12px;
    border-radius: 60px;
    font-weight: 600;
    text-decoration: none;
  }

  .custom-navbar.scrolled .d-lg-none .btn {
    background: #0b3b5c;
    color: #ffffff;
  }
}

/* ===== HERO WITH ENTRANCE ANIMATION ===== */
.hero {
  min-height: 100vh !important;
  background: url('../images/hero.jpg') center 30% / cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.5);
  z-index: 1;
}

.hero-content {
  position: relative;
  z-index: 3;
  color: #ffffff;
  max-width: 680px;
  margin-top: 100px !important;
  opacity: 0;
  transform: translateY(30px);
  animation: heroAppear 0.9s cubic-bezier(0.15, 0.85, 0.35, 1) forwards;
  animation-delay: 0.2s;
}

@keyframes heroAppear {
  0% {
    opacity: 0;
    transform: translateY(30px);
  }

  100% {
    opacity: 1;
    transform: translateY(0);
  }
}

.hero h1 {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1.5rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.hero p {
  font-size: 1.3rem;
  margin-bottom: 2.5rem;
  color: #f0f7ff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

.hero-buttons {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.hero-btn-primary {
  background: #ffffff;
  color: #0b3b5c;
  padding: 15px 42px;
  border-radius: 60px;
  font-weight: 700;
  font-size: 1.2rem;
  border: none;
  transition: 0.25s;
  box-shadow: 0 10px 22px rgba(0, 20, 40, 0.2);
  text-decoration: none;
  display: inline-block;
}

.hero-btn-primary:hover {
  background: #f0f7ff;
  transform: translateY(-4px);
  box-shadow: 0 18px 28px rgba(0, 40, 70, 0.3);
  color: #0b3b5c;
}

.hero-btn-secondary {
  background: transparent;
  color: #ffffff;
  padding: 15px 42px;
  border-radius: 60px;
  font-weight: 600;
  font-size: 1.2rem;
  border: 2px solid #ffffff;
  transition: 0.25s;
  text-decoration: none;
  display: inline-block;
}

.hero-btn-secondary:hover {
  background: #ffffff;
  color: #0b3b5c;
  transform: translateY(-4px);
  box-shadow: 0 18px 28px rgba(0, 40, 70, 0.3);
}

/* ===== REVEAL ON SCROLL ===== */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s cubic-bezier(0.2, 0.9, 0.3, 1), transform 0.8s cubic-bezier(0.2, 0.9, 0.3, 1);
  will-change: opacity, transform;
}

.reveal.active {
  opacity: 1;
  transform: translateY(0);
}

/* slight delays for child elements */
.delay-100 {
  transition-delay: 0.05s;
}

.delay-200 {
  transition-delay: 0.1s;
}

.delay-300 {
  transition-delay: 0.2s;
}

.delay-400 {
  transition-delay: 0.3s;
}

/* ===== global section ===== */
.section {
  padding: 80px 0;
}

.section-header {
  font-weight: 800;
  font-size: 2.5rem;
  color: #0f344b;
  letter-spacing: -0.02em;
  margin-bottom: 1.2rem;
}

.section-subheader {
  font-size: 1.1rem;
  color: #2d4a66;
  max-width: 700px;
  margin: 0 auto 2.5rem;
  line-height: 1.6;
}

.bg-soft {
  background-color: #f8fcff;
}

/* ===== WELCOME SECTION ===== */
.welcome-container {
  display: flex;
  align-items: center;
  gap: 50px;
  max-width: 1300px;
  margin: 0 auto;
}

.welcome-image-card {
  position: relative;
  width: 500px;
  height: 500px;
  border-radius: 30px;
  display: flex;
  justify-content: center;
  align-items: center;
  overflow: hidden;
  flex-shrink: 0;
  background: transparent;
}

.welcome-image-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 30px;
  box-shadow: 0 20px 30px -10px rgba(0, 0, 0, 0.2);
}

.welcome-text-content {
  max-width: 600px;
}

.welcome-text-content h2 {
  font-size: 3rem;
  font-weight: 800;
  color: #0f344b;
  letter-spacing: -0.02em;
  margin-bottom: 1.8rem;
}

.welcome-text-content p {
  font-size: 1.2rem;
  line-height: 1.6;
  color: #2d4a66;
  margin-bottom: 1.5rem;
}

/* ===== HOW IT WORKS steps ===== */
.step-card {
  background: white;
  border-radius: 2.5rem;
  padding: 2.8rem 2rem;
  height: 100%;
  border: 1px solid #e5edf5;
  box-shadow: 0 18px 30px -12px rgba(10, 40, 70, 0.06);
  transition: 0.2s;
}

.step-card:hover {
  box-shadow: 0 22px 38px -10px rgba(11, 59, 92, 0.1);
}

.step-big-number {
  font-size: 4rem;
  font-weight: 800;
  color: #cbddee;
  line-height: 1;
  margin-bottom: 2rem;
}

.step-card h4 {
  font-weight: 700;
  font-size: 1.8rem;
  margin-bottom: 1rem;
  color: #1a3f5a;
}

/* ===== WHY CHOOSE OAKMONT (feature list) ===== */
.why-container {
  display: flex;
  align-items: center;
  gap: 50px;
  max-width: 1300px;
  margin: 0 auto;
}

.why-image-card {
  position: relative;
  width: 500px;
  height: 500px;
  border-radius: 30px;
  display: flex;
  justify-content: center;
  align-items: center;
  overflow: hidden;
  flex-shrink: 0;
  background: transparent;
}

.why-image-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 30px;
  box-shadow: 0 20px 30px -10px rgba(0, 0, 0, 0.2);
}

.why-text-content {
  max-width: 600px;
}

.why-text-content h2 {
  font-size: 3rem;
  font-weight: 800;
  color: #0f344b;
  letter-spacing: -0.02em;
  margin-bottom: 1.8rem;
}

.why-text-content p {
  font-size: 1.2rem;
  line-height: 1.6;
  color: #2d4a66;
  margin-bottom: 1.5rem;
}

.feature-mini-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.2rem;
  margin-top: 2rem;
}

.feature-mini-item {
  background: #f0f7ff;
  border-radius: 1.5rem;
  padding: 1rem 1.2rem;
  display: flex;
  align-items: center;
  gap: 0.8rem;
  border: 1px solid #dae6f2;
}

.feature-mini-item i {
  color: #0b3b5c;
  font-size: 1.5rem;
  width: 2rem;
}

.feature-mini-item span {
  font-weight: 600;
  color: #1d3f5c;
  font-size: 1rem;
}

/* ===== ABOUT HERO (NEW IMAGE - different from index) ===== */
.about-hero {
  height: 80vh;
  min-height: 450px;
  background: url('../images/last.jpg') center 35% / cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
}

.about-hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.about-hero-content {
  position: relative;
  z-index: 3;
  color: #ffffff;
  max-width: 680px;
  opacity: 0;
  transform: translateY(30px);
  animation: heroAppear 0.9s cubic-bezier(0.15, 0.85, 0.35, 1) forwards;
  animation-delay: 0.2s;
}

.about-hero h1 {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.about-hero p {
  font-size: 1.2rem;
  color: #f0f7ff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

/* ===== WHO WE ARE SECTION ===== */
.company-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.company-image {
  border-radius: 30px;
  overflow: hidden;
  box-shadow: 0 25px 40px -15px rgba(0, 0, 0, 0.2);
  height: 450px;
}

.company-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.company-text p {
  font-size: 1.1rem;
  line-height: 1.7;
  color: #2d4a66;
  margin-bottom: 1.5rem;
}

/* ===== MISSION SECTION ===== */
.mission-wrapper {
  max-width: 900px;
  margin: 0 auto;
  text-align: center;
}

.mission-icon {
  width: 70px;
  height: 70px;
  background: #0b3b5c;
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 25px;
}

.mission-icon i {
  font-size: 2rem;
  color: #ffffff;
}

.mission-text {
  font-size: 1.3rem;
  line-height: 1.6;
  color: #1d3f5c;
  font-weight: 500;
  max-width: 800px;
  margin: 0 auto;
}

/* ===== APPROACH SECTION ===== */
.approach-grid-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
  margin-top: 20px;
}

.approach-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.approach-item {
  background: #f0f7ff;
  border-radius: 1.5rem;
  padding: 1.2rem 1.2rem;
  display: flex;
  align-items: center;
  gap: 1rem;
  border: 1px solid #dae6f2;
  transition: all 0.2s ease;
}

.approach-item:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 20px -8px rgba(11, 59, 92, 0.1);
  border-color: #0b3b5c;
}

.approach-item i {
  color: #0b3b5c;
  font-size: 1.3rem;
  width: 1.8rem;
}

.approach-item span {
  font-weight: 600;
  color: #1d3f5c;
  font-size: 1rem;
}

.approach-image {
  border-radius: 30px;
  overflow: hidden;
  box-shadow: 0 25px 40px -15px rgba(0, 0, 0, 0.2);
  height: 400px;
}

.approach-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* ===== WHO WE SERVE CARDS ===== */
.serve-card {
  background: #ffffff;
  border-radius: 2rem;
  padding: 2rem 1.8rem;
  height: 100%;
  border: 1px solid #e5edf5;
  transition: 0.2s;
  box-shadow: 0 10px 20px -8px rgba(0, 0, 0, 0.03);
}

.serve-card:hover {
  box-shadow: 0 22px 38px -10px rgba(11, 59, 92, 0.1);
}

.serve-icon {
  width: 60px;
  height: 60px;
  background: #e5effa;
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.serve-icon i {
  font-size: 1.8rem;
  color: #0b3b5c;
}

.serve-card h4 {
  font-weight: 700;
  color: #0f344b;
  margin-bottom: 0.8rem;
  font-size: 1.3rem;
}

.serve-card p {
  color: #2d4a66;
  margin: 0;
  line-height: 1.5;
  font-size: 0.95rem;
}

/* ===== LOAN PRODUCTS HERO ===== */
.products-hero {
  height: 60vh;
  min-height: 450px;
  background: url('../images/loanproducts.jpg') center 10% / cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
}

.products-hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.products-hero-content {
  position: relative;
  z-index: 3;
  color: #ffffff;
  max-width: 680px;
  opacity: 0;
  transform: translateY(30px);
  animation: heroAppear 0.9s cubic-bezier(0.15, 0.85, 0.35, 1) forwards;
  animation-delay: 0.2s;
}

.products-hero h1 {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.products-hero p {
  font-size: 1.2rem;
  color: #f0f7ff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

/* ===== LOAN PRODUCT CARDS ===== */
.loan-card {
  background: #ffffff;
  border-radius: 2.5rem;
  padding: 2.8rem 2rem;
  height: 100%;
  border: 1px solid #e5edf5;
  box-shadow: 0 18px 30px -12px rgba(10, 40, 70, 0.06);
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}

.loan-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 25px 40px -15px rgba(11, 59, 92, 0.15);
  border-color: #0b3b5c;
}

.loan-card:before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: #0b3b5c;
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

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

.loan-icon {
  width: 80px;
  height: 80px;
  background: #e5effa;
  border-radius: 30px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 2rem;
}

.loan-icon i {
  font-size: 2.5rem;
  color: #0b3b5c;
}

.loan-card h3 {
  font-weight: 700;
  font-size: 1.8rem;
  margin-bottom: 1rem;
  color: #1a3f5a;
}

.loan-card p {
  color: #2d4a66;
  margin-bottom: 1.5rem;
  line-height: 1.6;
}

.loan-subsection {
  margin: 1.5rem 0;
}

.loan-subsection h4 {
  font-weight: 600;
  font-size: 1.1rem;
  color: #0f344b;
  margin-bottom: 0.8rem;
}

.loan-list {
  list-style: none;
  padding: 0;
}

.loan-list li {
  padding: 0.4rem 0 0.4rem 1.8rem;
  position: relative;
  color: #2d4a66;
  font-size: 0.95rem;
}

.loan-list li:before {
  content: "•";
  color: #0b3b5c;
  font-weight: bold;
  position: absolute;
  left: 0.5rem;
  font-size: 1.2rem;
}

.loan-btn {
  background: transparent;
  color: #0b3b5c;
  padding: 12px 25px;
  border-radius: 60px;
  font-weight: 600;
  font-size: 1rem;
  border: 1px solid #0b3b5c;
  transition: 0.25s;
  display: inline-block;
  text-decoration: none;
  margin-top: 1rem;
}

.loan-btn:hover {
  background: #0b3b5c;
  color: #ffffff;
  transform: translateY(-3px);
  box-shadow: 0 10px 20px -8px rgba(11, 59, 92, 0.3);
}

/* ===== CTA SECTION ===== */
.cta-section {
  padding: 100px 0;
  background: url('../images/ready2.jpg') center center / cover no-repeat;
  position: relative;
  color: #ffffff;
}

.cta-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.cta-content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
}

.cta-content h2 {
  font-weight: 800;
  font-size: 2.8rem;
  color: #ffffff;
  letter-spacing: -0.02em;
  margin-bottom: 1.2rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.cta-content p {
  font-size: 1.2rem;
  color: #f0f7ff;
  margin-bottom: 2rem;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

.cta-btn {
  background: #ffffff;
  color: #0b3b5c;
  padding: 15px 42px;
  border-radius: 60px;
  font-weight: 700;
  font-size: 1.2rem;
  border: none;
  transition: 0.25s;
  box-shadow: 0 10px 22px rgba(0, 20, 40, 0.2);
  display: inline-block;
  text-decoration: none;
}

.cta-btn:hover {
  background: #f0f7ff;
  transform: translateY(-4px);
  box-shadow: 0 18px 28px rgba(0, 40, 70, 0.3);
  color: #0b3b5c;
}

/* ===== FOOTER ===== */
.footer {
  background-color: #0a2940;
  padding: 50px 0 30px;
  font-size: 14px;
  color: #d3e3f0;
  border-top: 2px solid #1c4c6e;
}

.footer a {
  color: #b6d6f0;
  text-decoration: none;
  margin-right: 20px;
  font-size: 14px;
  font-weight: 500;
  display: inline-block;
  transition: color 0.2s;
}

.footer a:hover {
  color: #ffffff;
  text-decoration: underline;
}

.footer-logo {
  font-weight: 700;
  color: #ffffff;
  font-size: 26px;
  display: flex;
  align-items: center;
  margin-bottom: 15px;
}

.footer-logo img {
  height: 70px;
  width: auto;
  margin-right: 12px;
  filter: brightness(0) invert(1);
}

.footer-description {
  font-size: 13px;
  color: #b0cde0;
  margin: 10px 0 15px;
  line-height: 1.5;
  max-width: 350px;
}

.footer-links-block {
  margin: 20px 0 10px;
}

.footer-links-block a {
  margin-right: 20px;
  white-space: nowrap;
}

.footer-disclaimer {
  font-size: 12px;
  color: #9bb8d0;
  
  line-height: 1.5;
  padding-top: 25px;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1100px) {

  .welcome-container,
  .why-container {
    flex-direction: column;
    gap: 30px;
  }

  .welcome-image-card,
  .why-image-card {
    width: 100%;
    max-width: 500px;
    height: 400px;
    margin: 0 auto;
  }

  .welcome-text-content,
  .why-text-content {
    max-width: 100%;
    padding: 0 15px;
  }

  .welcome-text-content h2,
  .why-text-content h2 {
    text-align: center;
    font-size: 2.5rem;
  }

  .welcome-text-content p,
  .why-text-content p {
    text-align: center;
  }
}

@media (max-width: 991px) {

  .about-hero h1,
  .products-hero h1 {
    font-size: 2.8rem;
  }

  .section {
    padding: 60px 0;
  }

  .section-header {
    font-size: 2.2rem;
  }

  .company-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .company-image {
    height: 400px;
    max-width: 600px;
    margin: 0 auto;
    order: -1;
  }

  .company-text {
    text-align: center;
  }

  .approach-grid-section {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .approach-image {
    height: 350px;
    max-width: 600px;
    margin: 0 auto;
    order: -1;
  }

  .cta-content h2 {
    font-size: 2.2rem;
  }
}

@media (max-width: 768px) {
  .custom-navbar {
    padding: 20px 0;
  }

  .logo-img {
    height: 48px;
  }

  .hero h1 {
    font-size: 2.5rem;
  }

  .hero p {
    font-size: 1.1rem;
  }

  .hero-buttons {
    flex-direction: column;
    gap: 15px;
  }

  .hero-btn-primary,
  .hero-btn-secondary {
    width: 100%;
    text-align: center;
  }

  .about-hero,
  .products-hero {
    min-height: 400px;
  }

  .about-hero h1,
  .products-hero h1 {
    font-size: 2.2rem;
  }

  .about-hero p,
  .products-hero p {
    font-size: 1rem;
  }

  .section {
    padding: 60px 0;
  }

  .section-header {
    font-size: 2rem;
  }

  .welcome-image-card,
  .why-image-card {
    height: 350px;
  }

  .welcome-text-content h2,
  .why-text-content h2 {
    font-size: 2rem;
  }

  .welcome-text-content p,
  .why-text-content p {
    font-size: 1rem;
  }

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

  .mission-text {
    font-size: 1.1rem;
  }

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

  .loan-card {
    padding: 2rem 1.5rem;
  }

  .loan-card h3 {
    font-size: 1.5rem;
  }

  .cta-section {
    padding: 70px 0;
  }

  .cta-content h2 {
    font-size: 2rem;
  }

  .cta-content p {
    font-size: 1rem;
  }

  .cta-btn {
    padding: 12px 30px;
    font-size: 1rem;
  }

  .footer-links-block a {
    display: block;
    margin: 8px 0;
  }

  .footer {
    text-align: center;
  }

  .footer-logo {
    justify-content: center;
  }

  .footer-description {
    max-width: 100%;
    margin: 10px auto;
  }
}

@media (max-width: 576px) {
  .navbar-toggler{
    display: none !important;
  }

  .img1{
    display: none !important;
  }

  .img2{
    display: block !important;
    height: 58px !important;
  }

  .hero-overlay{
    position: absolute;
    inset: 0;
    background: rgba(11, 59, 92, 0.4) !important;
    z-index: 1;
}

  .hero h1 {
    font-size: 2rem;
  }

  .welcome-image-card,
  .why-image-card {
    height: 280px;
  }

  .step-card {
    padding: 2rem 1.5rem;
  }

  .step-card h4 {
    font-size: 1.5rem;
  }
}



* {
  font-family: 'Inter', sans-serif;
  margin: 0;
  padding: 0;
}

body {
  background-color: #ffffff;
  color: #1e2e44;
}

/* ===== HEADER (scroll sensitive) ===== */
.custom-navbar {
  position: fixed;
  width: 100%;
  z-index: 1000;
  padding: 28px 0;
  transition: padding 0.2s ease, background 0.2s ease, box-shadow 0.2s;
  background: transparent;
}

.custom-navbar.scrolled {
  background: #ffffff;
  padding: 12px 0;
  box-shadow: 0 8px 22px rgba(0, 20, 40, 0.05);
}

.logo-img {
  height: 58px;
  width: auto;
  transition: all 0.15s ease;
  filter: brightness(0) invert(1);
}

.custom-navbar.scrolled .logo-img {
  filter: brightness(0.2);
  height: 50px;
}

.nav-link {
  color: #ffffff !important;
  font-weight: 500;
  margin-left: 28px;
  transition: color 0.2s;
  font-size: 1rem;
}

.custom-navbar.scrolled .nav-link {
  color: #1d3f5c !important;
}

.nav-link:hover {
  opacity: 0.8;
}

.header-btn {
  background: #ffffff;
  color: #0b3b5c;
  padding: 8px 28px;
  border-radius: 60px;
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  transition: 0.2s;
  box-shadow: 0 6px 14px rgba(0, 0, 0, 0.05);
}

.custom-navbar.scrolled .header-btn {
  background: #0b3b5c;
  color: #ffffff;
}

.header-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 22px rgba(0, 40, 70, 0.2);
}

/* ===== MOBILE NAVBAR FIXES ===== */
.navbar-toggler {
  border: none;
  padding: 8px;
}

.navbar-toggler:focus {
  box-shadow: none;
  outline: none;
}

.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(255, 255, 255, 1)' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e") !important;
}

.custom-navbar.scrolled .navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(11, 59, 92, 1)' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e") !important;
}

/* Mobile menu styling */
@media (max-width: 991px) {
  .navbar-collapse {
    background: #0a2940;
    padding: 20px;
    border-radius: 20px;
    margin-top: 15px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
  }

  .custom-navbar.scrolled .navbar-collapse {
    background: #ffffff;
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.1);
  }

  .nav-link {
    margin-left: 0 !important;
    padding: 12px 0 !important;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    color: #ffffff !important;
  }

  .custom-navbar.scrolled .nav-link {
    color: #1d3f5c !important;
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
  }

  .nav-item:last-child .nav-link {
    border-bottom: none;
  }

  .d-lg-none .btn {
    display: block;
    width: 100%;
    margin-top: 15px;
    text-align: center;
    background: #ffffff;
    color: #0b3b5c;
    padding: 12px;
    border-radius: 60px;
    font-weight: 600;
    text-decoration: none;
  }

  .custom-navbar.scrolled .d-lg-none .btn {
    background: #0b3b5c;
    color: #ffffff;
  }
}

/* ===== HOW IT WORKS HERO - NEW IMAGE ===== */
.how-hero {
  height: 60vh;
  min-height: 450px;
  /* Yahan naya URL set kar diya gaya hai */
  background: url('../images/work.jpg') center center / cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
}

.how-hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.how-hero-content {
  position: relative;
  z-index: 3;
  color: #ffffff;
  max-width: 680px;
  opacity: 0;
  transform: translateY(30px);
  animation: heroAppear 0.9s cubic-bezier(0.15, 0.85, 0.35, 1) forwards;
  animation-delay: 0.2s;
}

@keyframes heroAppear {
  0% {
    opacity: 0;
    transform: translateY(30px);
  }

  100% {
    opacity: 1;
    transform: translateY(0);
  }
}

.how-hero h1 {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.how-hero p {
  font-size: 1.2rem;
  color: #f0f7ff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

/* ===== REVEAL ON SCROLL ===== */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s cubic-bezier(0.2, 0.9, 0.3, 1), transform 0.8s cubic-bezier(0.2, 0.9, 0.3, 1);
  will-change: opacity, transform;
}

.reveal.active {
  opacity: 1;
  transform: translateY(0);
}

.delay-100 {
  transition-delay: 0.05s;
}

.delay-200 {
  transition-delay: 0.1s;
}

.delay-300 {
  transition-delay: 0.2s;
}

/* ===== global section ===== */
.section {
  padding: 80px 0;
}

.section-header {
  font-weight: 800;
  font-size: 2.5rem;
  color: #0f344b;
  letter-spacing: -0.02em;
  margin-bottom: 1.2rem;
}

.section-subheader {
  font-size: 1.1rem;
  color: #2d4a66;
  max-width: 700px;
  margin: 0 auto 2.5rem;
  line-height: 1.6;
}

.bg-soft {
  background-color: #f8fcff;
}

/* ===== STEPS SECTION ===== */
.step-card {
  background: white;
  border-radius: 2.5rem;
  padding: 2.5rem 2rem;
  height: 100%;
  border: 1px solid #e5edf5;
  box-shadow: 0 18px 30px -12px rgba(10, 40, 70, 0.06);
  transition: 0.3s;
  position: relative;
  overflow: hidden;
}

.step-card:hover {
  box-shadow: 0 22px 38px -10px rgba(11, 59, 92, 0.15);
  transform: translateY(-8px);
  border-color: #0b3b5c;
}

.step-card:before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: #0b3b5c;
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

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

.step-number {
  font-size: 3.5rem;
  font-weight: 800;
  color: #cbddee;
  line-height: 1;
  margin-bottom: 1.5rem;
  transition: all 0.3s ease;
}

.step-card:hover .step-number {
  color: #0b3b5c;
  transform: scale(1.05);
}

.step-card h4 {
  font-weight: 700;
  font-size: 1.6rem;
  margin-bottom: 1rem;
  color: #1a3f5a;
}

.step-card p {
  color: #2d4a66;
  line-height: 1.6;
  margin-bottom: 0;
}

/* ===== PROCESS IMAGE SECTION - NEW IMAGE ===== */
.process-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: center;
}

.process-text p {
  font-size: 1.1rem;
  line-height: 1.7;
  color: #2d4a66;
  margin-bottom: 1.5rem;
}

.process-image {
  border-radius: 30px;
  overflow: hidden;
  box-shadow: 0 25px 40px -15px rgba(0, 0, 0, 0.2);
  height: 400px;
}

.process-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.5s ease;
}

.process-image:hover img {
  transform: scale(1.05);
}

.process-badge {
  display: inline-flex;
  align-items: center;
  background: #e5effa;
  border-radius: 60px;
  padding: 10px 25px;
  margin-right: 15px;
  margin-bottom: 10px;
  border: 1px solid #d2e2f0;
  transition: all 0.3s ease;
}

.process-badge:hover {
  background: #0b3b5c;
  color: #ffffff;
  transform: translateY(-3px);
}

.process-badge:hover i {
  color: #ffffff;
}

.process-badge i {
  color: #0b3b5c;
  margin-right: 10px;
  transition: color 0.3s ease;
}

.process-badge:hover i {
  color: #ffffff;
}

/* ===== FAQ SECTION ===== */
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 30px;
  margin-top: 40px;
}

.faq-item {
  background: #ffffff;
  border-radius: 2rem;
  padding: 2rem;
  border: 1px solid #e5edf5;
  transition: all 0.3s ease;
  box-shadow: 0 10px 20px -8px rgba(0, 0, 0, 0.03);
}

.faq-item:hover {
  box-shadow: 0 22px 38px -10px rgba(11, 59, 92, 0.1);
  border-color: #0b3b5c;
  transform: translateY(-5px);
}

.faq-question {
  display: flex;
  align-items: center;
  gap: 15px;
  margin-bottom: 1rem;
}

.faq-icon {
  width: 50px;
  height: 50px;
  background: #e5effa;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.3s ease;
}

.faq-item:hover .faq-icon {
  background: #0b3b5c;
}

.faq-item:hover .faq-icon i {
  color: #ffffff;
}

.faq-icon i {
  font-size: 1.3rem;
  color: #0b3b5c;
  transition: color 0.3s ease;
}

.faq-question h4 {
  font-weight: 700;
  color: #0f344b;
  margin: 0;
  font-size: 1.2rem;
}

.faq-item p {
  color: #2d4a66;
  margin: 0 0 0 65px;
  line-height: 1.6;
}

/* ===== CTA SECTION - NEW IMAGE ===== */
.cta-section {
  padding: 120px 0;
  background: url('../images/cta4.jpg') center 40% / cover no-repeat;
  position: relative;
  color: #ffffff;
}

.cta-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.cta-content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
}

.cta-content h2 {
  font-weight: 800;
  font-size: 2.8rem;
  color: #ffffff;
  letter-spacing: -0.02em;
  margin-bottom: 1.2rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.cta-content p {
  font-size: 1.2rem;
  color: #f0f7ff;
  margin-bottom: 2rem;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

.cta-btn {
  background: #ffffff;
  color: #0b3b5c;
  padding: 15px 42px;
  border-radius: 60px;
  font-weight: 700;
  font-size: 1.2rem;
  border: none;
  transition: 0.25s;
  box-shadow: 0 10px 22px rgba(0, 20, 40, 0.2);
  display: inline-block;
  text-decoration: none;
}

.cta-btn:hover {
  background: #f0f7ff;
  transform: translateY(-4px);
  box-shadow: 0 18px 28px rgba(0, 40, 70, 0.3);
  color: #0b3b5c;
}

/* ===== FOOTER (UPDATED) ===== */
.footer {
  background-color: #0a2940;
  padding: 50px 0 30px;
  font-size: 14px;
  color: #d3e3f0;
  border-top: 2px solid #1c4c6e;
}

.footer a {
  color: #b6d6f0;
  text-decoration: none;
  margin-right: 20px;
  font-size: 14px;
  font-weight: 500;
  display: inline-block;
  transition: color 0.2s;
}

.footer a:hover {
  color: #ffffff;
  text-decoration: underline;
}

.footer-logo {
  font-weight: 700;
  color: #ffffff;
  font-size: 26px;
  display: flex;
  align-items: center;
  margin-bottom: 15px;
}

.footer-logo img {
  height: 70px;
  width: auto;
  margin-right: 12px;
  filter: brightness(0) invert(1);
}

.footer-description {
  font-size: 13px;
  color: #b0cde0;
  margin: 10px 0 15px;
  line-height: 1.5;
  max-width: 350px;
}

.footer .nav-link{
  color: #b0cde0 !important;
}

.footer-links-block {
  margin: 20px 0 10px;
}

.footer-links-block a {
  margin-right: 20px;
  white-space: nowrap;
}

.footer-disclaimer {
  font-size: 12px;
  color: #9bb8d0;
  line-height: 1.5;
  padding-top: 25px;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 991px) {
  .how-hero h1 {
    font-size: 2.8rem;
  }

  .section {
    padding: 60px 0;
  }

  .section-header {
    font-size: 2.2rem;
  }

  .faq-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .process-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .process-image {
    height: 350px;
    max-width: 600px;
    margin: 0 auto;
    order: -1;
  }

  .cta-content h2 {
    font-size: 2.2rem;
  }
}

@media (max-width: 768px) {
  .custom-navbar {
    padding: 20px 0;
  }

  .logo-img {
    height: 48px;
  }

  .how-hero {
    min-height: 400px;
  }

  .how-hero h1 {
    font-size: 2.2rem;
  }

  .how-hero p {
    font-size: 1rem;
  }

  .section-header {
    font-size: 2rem;
  }

  .step-card {
    padding: 2rem 1.5rem;
  }

  .step-card h4 {
    font-size: 1.4rem;
  }

  .step-number {
    font-size: 2.8rem;
  }

  .faq-item {
    padding: 1.5rem;
  }

  .faq-item p {
    margin-left: 0;
    margin-top: 1rem;
  }

  .faq-question {
    flex-direction: column;
    text-align: center;
  }

  .cta-section {
    padding: 70px 0;
  }

  .cta-content h2 {
    font-size: 2rem;
  }

  .cta-content p {
    font-size: 1rem;
  }

  .cta-btn {
    padding: 12px 30px;
    font-size: 1rem;
  }

  .footer-links-block a {
    display: block;
    margin: 8px 0;
  }

  .footer {
    text-align: center;
  }

  .footer-logo {
    justify-content: center;
  }

  .footer-description {
    max-width: 100%;
    margin: 10px auto;
  }
}


/* contact page */
/* ===== CONTACT HERO - NEW IMAGE (changed only) ===== */
.contact-hero {
  height: 60vh;
  min-height: 400px;
  background: url('../images/contact.jpg') center 3% / cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
}

.contact-hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.contact-hero-content {
  position: relative;
  z-index: 3;
  color: #ffffff;
  max-width: 680px;
  opacity: 0;
  transform: translateY(30px);
  animation: heroAppear 0.9s cubic-bezier(0.15, 0.85, 0.35, 1) forwards;
  animation-delay: 0.2s;
}

@keyframes heroAppear {
  0% {
    opacity: 0;
    transform: translateY(30px);
  }

  100% {
    opacity: 1;
    transform: translateY(0);
  }
}

.contact-hero h1 {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.contact-hero p {
  font-size: 1.2rem;
  color: #f0f7ff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

/* ===== REVEAL ON SCROLL ===== */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s cubic-bezier(0.2, 0.9, 0.3, 1), transform 0.8s cubic-bezier(0.2, 0.9, 0.3, 1);
  will-change: opacity, transform;
}

.reveal.active {
  opacity: 1;
  transform: translateY(0);
}

.delay-100 {
  transition-delay: 0.05s;
}

.delay-200 {
  transition-delay: 0.1s;
}

.delay-300 {
  transition-delay: 0.2s;
}

/* ===== global section ===== */
.section {
  padding: 80px 0;
}

.section-header {
  font-weight: 800;
  font-size: 2.5rem;
  color: #0f344b;
  letter-spacing: -0.02em;
  margin-bottom: 1.2rem;
}

.section-subheader {
  font-size: 1.1rem;
  color: #2d4a66;
  max-width: 700px;
  margin: 0 auto 2.5rem;
  line-height: 1.6;
}

.bg-soft {
  background-color: #f8fcff;
}

/* ===== CONTACT/APPLY SECTION ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
  align-items: start;
}

/* Form Styles */
.form-card {
  background: #ffffff;
  border-radius: 2.5rem;
  padding: 3rem;
  border: 1px solid #e5edf5;
  box-shadow: 0 18px 30px -12px rgba(10, 40, 70, 0.06);
}

.form-card h3 {
  font-weight: 700;
  font-size: 1.8rem;
  color: #0f344b;
  margin-bottom: 2rem;
}

/* Two column layout for name fields */
.name-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 15px;
  margin-bottom: 1.5rem;
}

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

.form-label {
  font-weight: 600;
  color: #1d3f5c;
  margin-bottom: 0.5rem;
  font-size: 0.95rem;
}

.form-control,
.form-select {
  border: 1px solid #dae6f2;
  border-radius: 60px;
  padding: 0.8rem 1.5rem;
  font-size: 1rem;
  color: #1d3f5c;
  background: #f8fcff;
  transition: all 0.2s ease;
  width: 100%;
}

.form-control:focus,
.form-select:focus {
  border-color: #0b3b5c;
  box-shadow: 0 0 0 3px rgba(11, 59, 92, 0.1);
  outline: none;
  background: #ffffff;
}

.form-control::placeholder {
  color: #9bb8d0;
  font-size: 0.95rem;
}

/* Checkbox styling - FULL COMPLIANCE VERSION */
.checkbox-group {
  margin: 1.5rem 0;
  padding: 1rem;
  background: #f8fcff;
  border-radius: 1.5rem;
  border: 1px solid #e5edf5;
}

.form-check {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.form-check-input {
  width: 20px;
  height: 20px;
  margin-top: 2px;
  border: 2px solid #dae6f2;
  border-radius: 4px;
  background: #ffffff;
  cursor: pointer;
  flex-shrink: 0;
}

.form-check-input:checked {
  background-color: #0b3b5c;
  border-color: #0b3b5c;
}

.form-check-input:focus {
  box-shadow: 0 0 0 3px rgba(11, 59, 92, 0.1);
  border-color: #0b3b5c;
}

.form-check-label {
  color: #2d4a66;
  font-size: 0.9rem;
  line-height: 1.5;
  cursor: pointer;
}

.form-check-label strong {
  color: #0b3b5c;
  font-weight: 600;
}

/* Short version checkbox (if needed) - hidden by default */
.checkbox-short {
  margin: 1rem 0;
  display: none;
}

/* Button styling */
.submit-btn {
  background: #0b3b5c;
  color: #ffffff;
  padding: 1rem 2rem;
  border-radius: 60px;
  font-weight: 700;
  font-size: 1.1rem;
  border: none;
  transition: 0.25s;
  box-shadow: 0 10px 22px rgba(0, 20, 40, 0.2);
  width: 100%;
  margin: 1rem 0 0.5rem;
}

.submit-btn:hover {
  background: #0f4a73;
  transform: translateY(-3px);
  box-shadow: 0 15px 25px -8px rgba(11, 59, 92, 0.3);
}

/* Disclaimer text */
.form-disclaimer {
  text-align: center;
  margin-top: 1rem;
  font-size: 0.85rem;
  color: #9bb8d0;
}

.form-disclaimer a {
  color: #0b3b5c;
  text-decoration: none;
  font-weight: 500;
}

.form-disclaimer a:hover {
  text-decoration: underline;
}

/* Support Info Styles */
.support-card {
  background: #ffffff;
  border-radius: 2.5rem;
  padding: 3rem;
  border: 1px solid #e5edf5;
  box-shadow: 0 18px 30px -12px rgba(10, 40, 70, 0.06);
  margin-bottom: 30px;
}

.support-card h3 {
  font-weight: 700;
  font-size: 1.8rem;
  color: #0f344b;
  margin-bottom: 2rem;
}

.support-item {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 1.2rem 0;
  border-bottom: 1px solid #e5edf5;
}

.support-item:last-child {
  border-bottom: none;
}

.support-icon {
  width: 60px;
  height: 60px;
  background: #e5effa;
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.support-icon i {
  font-size: 1.8rem;
  color: #0b3b5c;
}

.support-details h4 {
  font-weight: 700;
  color: #0f344b;
  margin-bottom: 0.3rem;
  font-size: 1.2rem;
}

.support-details p {
  color: #2d4a66;
  margin: 0;
  font-size: 1rem;
}

.support-details a {
  color: #0b3b5c;
  text-decoration: none;
  font-weight: 500;
}

.support-details a:hover {
  text-decoration: underline;
}

/* Quick Info Cards */
.info-card {
  background: #ffffff;
  border-radius: 2rem;
  padding: 2rem;
  border: 1px solid #e5edf5;
  transition: all 0.3s ease;
  text-align: center;
  height: 100%;
}

.info-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 22px 38px -10px rgba(11, 59, 92, 0.1);
  border-color: #0b3b5c;
}

.info-icon {
  width: 70px;
  height: 70px;
  background: #e5effa;
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
}

.info-icon i {
  font-size: 2rem;
  color: #0b3b5c;
}

.info-card h4 {
  font-weight: 700;
  color: #0f344b;
  margin-bottom: 0.8rem;
  font-size: 1.3rem;
}

.info-card p {
  color: #2d4a66;
  margin: 0;
  line-height: 1.6;
}


/* ===== RESPONSIVE ===== */
@media (max-width: 991px) {
  .contact-hero h1 {
    font-size: 2.8rem;
  }

  .section {
    padding: 60px 0;
  }

  .section-header {
    font-size: 2.2rem;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .form-card,
  .support-card {
    padding: 2rem;
  }
}

@media (max-width: 768px) {
  .custom-navbar {
    padding: 20px 0;
  }

  .logo-img {
    height: 48px;
  }

  .contact-hero {
    min-height: 350px;
  }

  .contact-hero h1 {
    font-size: 2.2rem;
  }

  .contact-hero p {
    font-size: 1rem;
  }

  .section-header {
    font-size: 2rem;
  }

  .form-card h3,
  .support-card h3 {
    font-size: 1.5rem;
  }

  .name-row {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .support-item {
    flex-direction: column;
    text-align: center;
    gap: 10px;
  }
}

/* ===== HERO - NEW IMAGE FOR DISCLOSURES ===== */
.disclosures-hero {
  height: 60vh;
  min-height: 450px;
  background: url('../images/discolure.webp') center 70% / cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
}

.disclosures-hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.disclosures-hero-content {
  position: relative;
  z-index: 3;
  color: #ffffff;
  max-width: 680px;
  margin-top: 40px;
  opacity: 0;
  transform: translateY(30px);
  animation: heroAppear 0.9s cubic-bezier(0.15, 0.85, 0.35, 1) forwards;
  animation-delay: 0.2s;
}

@keyframes heroAppear {
  0% {
    opacity: 0;
    transform: translateY(30px);
  }

  100% {
    opacity: 1;
    transform: translateY(0);
  }
}

.disclosures-hero h1 {
  font-size: 4rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1.5rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.disclosures-hero p {
  font-size: 1.3rem;
  color: #f0f7ff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

/* ===== DISCLOSURES CONTENT ===== */
.disclosures-section {
  padding: 80px 0 10px;
}

.disclosures-container {
  max-width: 900px;
  margin: 0 auto;
}

.disclosures-date {
  display: inline-block;
  background: #e5effa;
  color: #0b3b5c;
  padding: 0.7rem 2rem;
  border-radius: 60px;
  font-weight: 600;
  font-size: 1rem;
  margin-bottom: 2rem;
  border: 1px solid #d2e2f0;
}

.disclosures-text {
  font-size: 1.1rem;
  line-height: 1.8;
  color: #2d4a66;
  margin-bottom: 2rem;
}

.disclosures-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0;
}

.disclosures-list li {
  padding: 0.3rem 0 0.3rem 2rem;
  position: relative;
  color: #2d4a66;
  font-size: 1.1rem;
}

.disclosures-list li:before {
  content: "•";
  color: #0b3b5c;
  font-weight: bold;
  position: absolute;
  left: 0.5rem;
  font-size: 1.3rem;
}

.disclosures-list-inner {
  list-style: none;
  padding-left: 2rem;
  margin: 0.5rem 0 1rem;
}

.disclosures-list-inner li {
  padding: 0.2rem 0 0.2rem 1.5rem;
  position: relative;
}

.disclosures-list-inner li:before {
  content: "◦";
  color: #0b3b5c;
  position: absolute;
  left: 0;
  font-size: 1.2rem;
}

.disclosures-highlight {
  background: #f0f7ff;
  padding: 2rem;
  border-radius: 1.5rem;
  border-left: 4px solid #0b3b5c;
  margin: 2rem 0;
}

.disclosures-highlight p {
  margin-bottom: 0;
  font-size: 1.1rem;
}

.contact-info {
  background: #f0f7ff;
  border-radius: 2rem;
  padding: 2rem;
  margin: 2rem 0;
  border: 1px solid #dae6f2;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 15px;
  padding: 0.8rem 0;
}

.contact-item i {
  width: 30px;
  color: #0b3b5c;
  font-size: 1.3rem;
}

.contact-item span,
.contact-item a {
  color: #1d3f5c;
  font-size: 1.1rem;
}

.contact-item a {
  color: #0b3b5c;
  text-decoration: none;
  font-weight: 500;
}

.contact-item a:hover {
  text-decoration: underline;
}


/* ===== HERO - NEW IMAGE ===== */
.privacy-hero {
  height: 60vh;
  min-height: 450px;
  background: url('../images/images.jpg') center 30% / cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
}

.privacy-hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.privacy-hero-content {
  position: relative;
  z-index: 3;
  color: #ffffff;
  max-width: 680px;
  margin-top: 40px;
}

.privacy-hero h1 {
  font-size: 4rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1.5rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.privacy-hero p {
  font-size: 1.3rem;
  color: #f0f7ff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

/* ===== PRIVACY CONTENT ===== */
.privacy-section {
  padding: 80px 0 10px;
}

.privacy-container {
  max-width: 900px;
  margin: 0 auto;
}

.privacy-date {
  display: inline-block;
  background: #e5effa;
  color: #0b3b5c;
  padding: 0.7rem 2rem;
  border-radius: 60px;
  font-weight: 600;
  font-size: 1rem;
  margin-bottom: 2rem;
  border: 1px solid #d2e2f0;
}

.privacy-text {
  font-size: 1.1rem;
  line-height: 1.8;
  color: #2d4a66;
  margin-bottom: 2rem;
}

.privacy-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0;
}

.privacy-list li {
  padding: 0.3rem 0 0.3rem 2rem;
  position: relative;
  color: #2d4a66;
  font-size: 1.1rem;
}

.privacy-list li:before {
  content: "•";
  color: #0b3b5c;
  font-weight: bold;
  position: absolute;
  left: 0.5rem;
  font-size: 1.3rem;
}

.privacy-list-inner {
  list-style: none;
  padding-left: 2rem;
  margin: 0.5rem 0 1rem;
}

.privacy-list-inner li {
  padding: 0.2rem 0 0.2rem 1.5rem;
  position: relative;
}

.privacy-list-inner li:before {
  content: "◦";
  color: #0b3b5c;
  position: absolute;
  left: 0;
  font-size: 1.2rem;
}

.privacy-highlight {
  background: #f0f7ff;
  padding: 2rem;
  border-radius: 1.5rem;
  border-left: 4px solid #0b3b5c;
  margin: 2rem 0;
}

.privacy-highlight p {
  margin-bottom: 0;
  font-size: 1.1rem;
}

.contact-info {
  background: #f0f7ff;
  border-radius: 2rem;
  padding: 2rem;
  margin: 2rem 0;
  border: 1px solid #dae6f2;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 15px;
  padding: 0.8rem 0;
}

.contact-item i {
  width: 30px;
  color: #0b3b5c;
  font-size: 1.3rem;
}

.contact-item span,
.contact-item a {
  color: #1d3f5c;
  font-size: 1.1rem;
}

.contact-item a {
  color: #0b3b5c;
  text-decoration: none;
  font-weight: 500;
}

.contact-item a:hover {
  text-decoration: underline;
}


/* ===== HERO - Professional image for Terms ===== */
.terms-hero {
  height: 60vh;
  min-height: 450px;
  background: url('../images/term.jpg') center 30% / cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
}

.terms-hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(11, 59, 92, 0.6);
  z-index: 1;
}

.terms-hero-content {
  position: relative;
  z-index: 3;
  color: #ffffff;
  max-width: 680px;
  margin-top: 40px;
}

.terms-hero h1 {
  font-size: 4rem;
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 1.5rem;
  text-shadow: 0 4px 18px rgba(0, 0, 0, 0.3);
}

.terms-hero p {
  font-size: 1.3rem;
  color: #f0f7ff;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.3);
}

/* ===== TERMS CONTENT ===== */
.terms-section {
  padding: 80px 0 10px;
}

.terms-container {
  max-width: 900px;
  margin: 0 auto;
}

.terms-date {
  display: inline-block;
  background: #e5effa;
  color: #0b3b5c;
  padding: 0.7rem 2rem;
  border-radius: 60px;
  font-weight: 600;
  font-size: 1rem;
  margin-bottom: 2rem;
  border: 1px solid #d2e2f0;
}

.terms-text {
  font-size: 1.1rem;
  line-height: 1.8;
  color: #2d4a66;
  margin-bottom: 2rem;
}

.terms-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0;
}

.terms-list li {
  padding: 0.3rem 0 0.3rem 2rem;
  position: relative;
  color: #2d4a66;
  font-size: 1.1rem;
}

.terms-list li:before {
  content: "•";
  color: #0b3b5c;
  font-weight: bold;
  position: absolute;
  left: 0.5rem;
  font-size: 1.3rem;
}

.terms-list-inner {
  list-style: none;
  padding-left: 2rem;
  margin: 0.5rem 0 1rem;
}

.terms-list-inner li {
  padding: 0.2rem 0 0.2rem 1.5rem;
  position: relative;
}

.terms-list-inner li:before {
  content: "◦";
  color: #0b3b5c;
  position: absolute;
  left: 0;
  font-size: 1.2rem;
}

.terms-highlight {
  background: #f0f7ff;
  padding: 2rem;
  border-radius: 1.5rem;
  border-left: 4px solid #0b3b5c;
  margin: 2rem 0;
}

.terms-highlight p {
  margin-bottom: 0;
  font-size: 1.1rem;
}

.contact-info {
  background: #f0f7ff;
  border-radius: 2rem;
  padding: 2rem;
  margin: 2rem 0;
  border: 1px solid #dae6f2;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 15px;
  padding: 0.8rem 0;
}

.contact-item i {
  width: 30px;
  color: #0b3b5c;
  font-size: 1.3rem;
}

.contact-item span,
.contact-item a {
  color: #1d3f5c;
  font-size: 1.1rem;
}

.contact-item a {
  color: #0b3b5c;
  text-decoration: none;
  font-weight: 500;
}

.contact-item a:hover {
  text-decoration: underline;
}

/* offer page css */