:root{
    --primary:#0057ff;
    --secondary:#00d4d4;
    --dark:#051937;
    --white:#ffffff;
}

body{
    font-family:'Poppins',sans-serif;
    overflow-x:hidden;
}

/* =======================
   NAVBAR
======================= */

.navbar{
    background:rgba(255,255,255,.95);
    backdrop-filter:blur(15px);
    box-shadow:0 5px 25px rgba(0,0,0,.08);
    padding:15px 0;
}

.navbar-brand img{
    height:60px;
}

.navbar-nav .nav-link{
    color:#222;
    font-weight:600;
    margin:0 10px;
    position:relative;
    transition:.3s;
    font-size: 14px;
}

.navbar-nav .nav-link:hover{
    color:var(--primary);
}

.navbar-nav .nav-link::after{
    content:'';
    position:absolute;
    width:0;
    height:2px;
    left:0;
    bottom:-5px;
    background:linear-gradient(to right,var(--secondary),var(--primary));
    transition:.4s;
}

.navbar-nav .nav-link:hover::after{
    width:100%;
}

.apply-btn{
    background:linear-gradient(135deg,var(--secondary),var(--primary));
    color:#fff !important;
    padding:12px 28px !important;
    border-radius:50px;
    box-shadow:0 10px 25px rgba(0,87,255,.25);
}

.apply-btn:hover{
    transform:translateY(-3px);
}

/* =======================
 HERO SECTION
======================= */

.hero{
    min-height:100vh;
    display:flex;
    align-items:center;
    position:relative;
    overflow:hidden;
    background:
    linear-gradient(135deg,#021024,#052659,#0057ff);
}

.hero::before{
    content:'';
    position:absolute;
    width:700px;
    height:700px;
    background:rgba(0,212,212,.15);
    border-radius:50%;
    top:-250px;
    right:-200px;
}

.hero::after{
    content:'';
    position:absolute;
    width:500px;
    height:500px;
    background:rgba(255,255,255,.08);
    border-radius:50%;
    bottom:-150px;
    left:-150px;
}

.hero-content{
    position:relative;
    z-index:2;
}

.hero h1{
    color:#fff;
    font-size:47px;
    font-weight:800;
    line-height:1.2;
    padding-top: 100px;
}

.hero h1 span{
    color:#00ffff;
}

.hero p{
    color:#d9e5ff;
    font-size:18px;
    margin:25px 0;
}

.hero-btn{
    background:#fff;
    color:var(--primary);
    padding:14px 35px;
    border-radius:50px;
    text-decoration:none;
    font-weight:700;
    margin-right:15px;
    display:inline-block;
    transition:.3s;
}

.hero-btn:hover{
    transform:translateY(-3px);
}

.hero-btn2{
    background:transparent;
    border:2px solid #fff;
    color:#fff;
    padding:14px 35px;
    border-radius:50px;
    text-decoration:none;
    font-weight:700;
}

.hero-btn2:hover{
    background:#fff;
    color:var(--primary);
}

.hero-image{
    text-align:center;
}

.hero-image img{
    width:100%;
    max-width:650px;
    animation:float 4s ease-in-out infinite;
}

@keyframes float{
    0%{
        transform:translateY(0);
    }
    50%{
        transform:translateY(-15px);
    }
    100%{
        transform:translateY(0);
    }
}

.stats{
    margin-top:50px;
}

.stat-box{
    color:#fff;
}

.stat-box h3{
    font-weight:800;
    color:#00ffff;
}

@media(max-width:991px){

.hero{
    text-align:center;
    padding-top:120px;
}

.hero h1{
    font-size:40px;
}

.hero-image{
    margin-top:50px;
}
}

@media(max-width:576px){

.hero h1{
    font-size:32px;
}

.hero-btn,
.hero-btn2{
    width:100%;
    margin-bottom:15px;
}
}
.about-section{
    background:#f8fbff;
}

.about-section h2{
    color:#051937;
}

.feature-box{
    display:flex;
    align-items:center;
    gap:10px;
}

.feature-box i{
    font-size:22px;
}
/* ==========================
   HOW IT WORKS
========================== */

.how-it-works{
    background:#f8fbff;
}

.section-tag{
    color:#00c6d7;
    font-weight:700;
    text-transform:uppercase;
    letter-spacing:1px;
}

.step-card{
    background:#fff;
    padding:35px 25px;
    border-radius:20px;
    height:100%;
    transition:.4s;
    box-shadow:0 10px 30px rgba(0,0,0,.05);
    position:relative;
}

.step-card:hover{
    transform:translateY(-10px);
    box-shadow:0 20px 40px rgba(0,87,255,.15);
}

.step-icon{
    width:80px;
    height:80px;
    margin:auto;
    background:linear-gradient(135deg,#00d4d4,#0057ff);
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    color:#fff;
    font-size:32px;
    margin-bottom:20px;
}

.step-number{
    position:absolute;
    top:15px;
    right:20px;
    font-size:40px;
    font-weight:800;
    color:#eef3ff;
}

.step-card h5{
    font-weight:700;
    margin-bottom:15px;
    color:#051937;
}

.step-card p{
    color:#666;
    margin-bottom:0;
}
/* ==========================
   WHY CHOOSE US
========================== */

.why-choose-us{
    background:#ffffff;
}

.choose-card{
    background:#fff;
    padding:35px 25px;
    border-radius:20px;
    text-align:center;
    height:100%;
    transition:.4s;
    border:1px solid #eef2f7;
    box-shadow:0 10px 30px rgba(0,0,0,.05);
}

.choose-card:hover{
    transform:translateY(-10px);
    box-shadow:0 20px 40px rgba(0,87,255,.15);
}

.choose-card i{
    font-size:45px;
    margin-bottom:20px;
    background:linear-gradient(135deg,#00d4d4,#0057ff);
    -webkit-background-clip:text;
    -webkit-text-fill-color:transparent;
}

.choose-card h5{
    font-weight:700;
    margin-bottom:15px;
    color:#051937;
}

.choose-card p{
    color:#666;
    margin-bottom:0;
}
/* ==========================
   FEATURES & BENEFITS
========================== */

.features-benefits{
    background:#f8fbff;
}

.feature-card{
    background:#fff;
    padding:35px 25px;
    border-radius:20px;
    text-align:center;
    height:100%;
    transition:.4s;
    box-shadow:0 10px 30px rgba(0,0,0,.05);
}

.feature-card:hover{
    transform:translateY(-10px);
    box-shadow:0 20px 40px rgba(0,87,255,.15);
}

.feature-card i{
    font-size:48px;
    margin-bottom:20px;
    background:linear-gradient(135deg,#00d4d4,#0057ff);
    -webkit-background-clip:text;
    -webkit-text-fill-color:transparent;
}

.feature-card h5{
    font-weight:700;
    margin-bottom:15px;
    color:#051937;
}

.feature-card p{
    color:#666;
}

.benefits-box{
    background:linear-gradient(135deg,#00d4d4,#0057ff);
    padding:40px 20px;
    border-radius:25px;
    color:#fff;
}

.benefits-box h3{
    font-size:36px;
    font-weight:800;
    margin-bottom:10px;
}

.benefits-box p{
    margin:0;
    opacity:.9;
}

@media(max-width:768px){

.benefits-box .col-6{
    margin-bottom:25px;
}

.benefits-box h3{
    font-size:28px;
}
}
/* ==========================
   RATES & FEES
========================== */

.rates-section{
    background:#ffffff;
}

.rate-card{
    background:#fff;
    padding:30px 20px;
    text-align:center;
    border-radius:20px;
    height:100%;
    transition:.4s;
    border:1px solid #eef2f7;
    box-shadow:0 10px 25px rgba(0,0,0,.05);
}

.rate-card:hover{
    transform:translateY(-10px);
    box-shadow:0 20px 40px rgba(0,87,255,.15);
}

.rate-card i{
    font-size:42px;
    margin-bottom:15px;
    background:linear-gradient(135deg,#00d4d4,#0057ff);
    -webkit-background-clip:text;
    -webkit-text-fill-color:transparent;
}

.rate-card h5{
    color:#555;
    font-size:16px;
    margin-bottom:10px;
}

.rate-card h3{
    color:#051937;
    font-weight:800;
    font-size:28px;
}

@media(max-width:768px){
    .rate-card h3{
        font-size:22px;
    }
}
/* ==========================
   APR EXAMPLE SECTION
========================== */

.apr-section{
    background:linear-gradient(180deg,#f7fbff,#ffffff);
    position:relative;
}

.section-badge{
    display:inline-block;
    background:#e8f3ff;
    color:#0057ff;
    padding:8px 20px;
    border-radius:50px;
    font-weight:600;
    margin-bottom:15px;
}

.section-title{
    font-weight:800;
    color:#051937;
    margin-bottom:15px;
}

.section-desc{
    max-width:850px;
    margin:auto;
    color:#666;
    line-height:1.8;
}

/* APR CARD */

.apr-highlight-card{
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    padding:40px 30px;
    border-radius:30px;
    text-align:center;
    color:#fff;
    height:100%;
    box-shadow:0 20px 50px rgba(0,87,255,.20);
}

.apr-circle{
    width:180px;
    height:180px;
    border:8px solid rgba(255,255,255,.25);
    border-radius:50%;
    margin:auto;
    display:flex;
    flex-direction:column;
    justify-content:center;
    align-items:center;
    background:rgba(255,255,255,.08);
    backdrop-filter:blur(10px);
}

.apr-circle h2{
    font-size:48px;
    font-weight:800;
    margin:0;
}

.apr-circle span{
    font-size:14px;
    text-transform:uppercase;
    letter-spacing:1px;
}

.apr-highlight-card h4{
    margin-top:30px;
    font-weight:700;
}

.apr-highlight-card p{
    opacity:.95;
    margin-top:15px;
}

/* LOAN EXAMPLE */

.loan-example-card{
    background:#fff;
    border-radius:30px;
    padding:40px;
    box-shadow:0 15px 50px rgba(0,0,0,.08);
}

.loan-header{
    display:flex;
    justify-content:space-between;
    align-items:center;
    margin-bottom:30px;
    border-bottom:1px solid #eee;
    padding-bottom:20px;
}

.loan-header h3{
    margin:0;
    font-weight:800;
    color:#051937;
}

.loan-header span{
    background:#e8fff3;
    color:#16a34a;
    padding:8px 15px;
    border-radius:30px;
    font-size:13px;
    font-weight:600;
}

.loan-item{
    background:#f8fbff;
    border-radius:15px;
    padding:20px;
    transition:.3s;
}

.loan-item:hover{
    transform:translateY(-5px);
    box-shadow:0 10px 25px rgba(0,87,255,.12);
}

.loan-item small{
    color:#888;
    display:block;
    margin-bottom:8px;
}

.loan-item h5{
    font-size:24px;
    font-weight:800;
    color:#051937;
    margin:0;
}

.example-note{
    margin-top:30px;
    background:#fff8e6;
    border-left:5px solid #f4b400;
    padding:15px 20px;
    border-radius:10px;
    color:#555;
    font-size:14px;
}

.example-note i{
    color:#f4b400;
    margin-right:8px;
}

@media(max-width:991px){

.loan-header{
    flex-direction:column;
    gap:15px;
    text-align:center;
}

.apr-circle{
    width:150px;
    height:150px;
}

.apr-circle h2{
    font-size:38px;
}
}
/* ==========================
   ELIGIBILITY & DOCUMENTS
========================== */

.eligibility-section{
    background:#f8fbff;
}

.section-badge{
    display:inline-block;
    padding:8px 20px;
    border-radius:50px;
    background:#eaf2ff;
    color:#0057ff;
    font-weight:600;
    margin-bottom:15px;
}

.info-card{
    background:#fff;
    padding:40px;
    border-radius:25px;
    height:100%;
    box-shadow:0 15px 40px rgba(0,0,0,.08);
    transition:.4s;
    position:relative;
    overflow:hidden;
}

.info-card:hover{
    transform:translateY(-10px);
    box-shadow:0 20px 50px rgba(0,87,255,.15);
}

.card-icon{
    width:80px;
    height:80px;
    border-radius:20px;
    background:linear-gradient(135deg,#00c6ff,#0057ff);
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:25px;
}

.card-icon i{
    color:#fff;
    font-size:34px;
}

.info-card h3{
    font-weight:800;
    color:#051937;
    margin-bottom:25px;
}

.feature-list{
    list-style:none;
    padding:0;
    margin:0;
}

.feature-list li{
    padding:12px 0;
    border-bottom:1px solid #eef2f7;
    position:relative;
    padding-left:35px;
    color:#555;
    font-weight:500;
}

.feature-list li:last-child{
    border-bottom:none;
}

.feature-list li:before{
    content:"✓";
    position:absolute;
    left:0;
    top:10px;
    width:24px;
    height:24px;
    line-height:24px;
    text-align:center;
    border-radius:50%;
    background:#e8fff1;
    color:#16a34a;
    font-weight:700;
}

@media(max-width:768px){

.info-card{
    padding:30px;
}

.info-card h3{
    font-size:24px;
}
}
/* ==========================
   FOOTER
========================== */

.footer-section{
    background:linear-gradient(135deg,#051937,#002b5c);
    color:#fff;
    padding:80px 0 30px;
}

.footer-logo{
    height:65px;
    margin-bottom:20px;
}

.footer-about{
    color:rgba(255,255,255,.75);
    line-height:1.8;
}

.footer-section h5{
    margin-bottom:25px;
    font-weight:700;
    color:#fff;
}

.footer-section ul{
    list-style:none;
    padding:0;
    margin:0;
}

.footer-section ul li{
    margin-bottom:12px;
}

.footer-section ul li a{
    color:rgba(255,255,255,.75);
    text-decoration:none;
    transition:.3s;
}

.footer-section ul li a:hover{
    color:#00d4ff;
    padding-left:5px;
}

.footer-contact p{
    color:rgba(255,255,255,.75);
    margin-bottom:15px;
}

.footer-contact i{
    color:#00d4ff;
    margin-right:10px;
}

.social-icons{
    margin-top:20px;
}

.social-icons a{
    width:42px;
    height:42px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    border-radius:50%;
    background:rgba(255,255,255,.08);
    color:#fff;
    margin-right:10px;
    text-decoration:none;
    transition:.3s;
}

.social-icons a:hover{
    background:#00d4ff;
    transform:translateY(-5px);
}

.popular-searches{
    margin-top:60px;
    padding-top:30px;
    border-top:1px solid rgba(255,255,255,.1);
}

.popular-searches p{
    color:rgba(255,255,255,.75);
    line-height:2;
}

.grievance-box{
    margin-top:40px;
    background:rgba(255,255,255,.05);
    padding:30px;
    border-radius:20px;
}

.grievance-box p{
    color:rgba(255,255,255,.75);
}

.footer-disclaimer{
    margin-top:30px;
    padding:20px;
    border-left:4px solid #00d4ff;
    background:rgba(255,255,255,.05);
    color:rgba(255,255,255,.75);
    font-size:14px;
}

.copyright{
    text-align:center;
    margin-top:35px;
    padding-top:25px;
    border-top:1px solid rgba(255,255,255,.1);
    color:rgba(255,255,255,.65);
    font-size:14px;
}

@media(max-width:768px){

.footer-section{
    text-align:center;
}

.social-icons{
    justify-content:center;
}

.grievance-box .row div{
    margin-bottom:10px;
}
}
/* ==========================
   BREADCRUMB SECTION
========================== */

.breadcrumb-section{
    background:linear-gradient(135deg,#051937,#003b7a,#0057ff);
    padding:140px 0 80px;
    position:relative;
    overflow:hidden;
}

.breadcrumb-section::before{
    content:'';
    position:absolute;
    width:400px;
    height:400px;
    background:rgba(255,255,255,.05);
    border-radius:50%;
    top:-150px;
    right:-100px;
}

.breadcrumb-section::after{
    content:'';
    position:absolute;
    width:250px;
    height:250px;
    background:rgba(0,212,255,.12);
    border-radius:50%;
    bottom:-80px;
    left:-80px;
}

.breadcrumb-content{
    position:relative;
    z-index:2;
    text-align:center;
}

.breadcrumb-content h1{
    color:#fff;
    font-size:52px;
    font-weight:800;
    margin-bottom:15px;
}

.breadcrumb{
    background:rgba(255,255,255,.12);
    display:inline-flex;
    padding:12px 25px;
    border-radius:50px;
    backdrop-filter:blur(10px);
}

.breadcrumb-item a{
    color:#fff;
    text-decoration:none;
    font-weight:500;
}

.breadcrumb-item.active{
    color:#00d4ff;
    font-weight:600;
}

.breadcrumb-item + .breadcrumb-item::before{
    color:#fff;
}

.breadcrumb-item i{
    margin-right:5px;
}

@media(max-width:768px){

    .breadcrumb-section{
        padding:120px 0 60px;
    }

    .breadcrumb-content h1{
        font-size:34px;
    }

    .breadcrumb{
        font-size:14px;
        padding:10px 20px;
    }
}
/* ==========================
   VISION MISSION VALUES
========================== */

.vmv-section{
    background:#f8fbff;
}

.section-badge{
    display:inline-block;
    padding:8px 20px;
    background:#e8f2ff;
    color:#0057ff;
    border-radius:50px;
    font-weight:600;
    margin-bottom:15px;
}

.vmv-card{
    background:#fff;
    padding:40px 30px;
    text-align:center;
    border-radius:25px;
    height:100%;
    transition:.4s;
    box-shadow:0 15px 40px rgba(0,0,0,.06);
    position:relative;
    overflow:hidden;
}

.vmv-card:hover{
    transform:translateY(-10px);
    box-shadow:0 20px 50px rgba(0,87,255,.15);
}

.vmv-icon{
    width:90px;
    height:90px;
    margin:auto;
    border-radius:50%;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:25px;
}

.vmv-icon i{
    font-size:38px;
    color:#fff;
}

.vision-card .vmv-icon{
    background:linear-gradient(135deg,#00c6ff,#0057ff);
}

.mission-card .vmv-icon{
    background:linear-gradient(135deg,#00d084,#00a86b);
}

.values-card .vmv-icon{
    background:linear-gradient(135deg,#ff9f1c,#ff6b00);
}

.vmv-card h3{
    font-weight:800;
    color:#051937;
    margin-bottom:20px;
}

.vmv-card p{
    color:#666;
    line-height:1.8;
    margin-bottom:0;
}
/* ==========================
   LOAN PURPOSE SECTION
========================== */

.loan-purpose-section{
    background:linear-gradient(180deg,#f8fbff,#ffffff);
}

.section-badge{
    display:inline-block;
    background:#eaf2ff;
    color:#0057ff;
    padding:8px 20px;
    border-radius:50px;
    font-weight:600;
    margin-bottom:15px;
}

.section-title{
    font-size:42px;
    font-weight:800;
    color:#051937;
    margin-bottom:15px;
}

.section-desc{
    max-width:800px;
    margin:auto;
    color:#666;
}

.loan-card{
    background:#fff;
    padding:35px 30px;
    border-radius:25px;
    text-align:center;
    height:100%;
    transition:.4s;
    position:relative;
    overflow:hidden;
    box-shadow:0 15px 40px rgba(0,0,0,.06);
}

.loan-card:before{
    content:'';
    position:absolute;
    top:0;
    left:0;
    width:100%;
    height:5px;
    background:linear-gradient(90deg,#00d4ff,#0057ff);
}

.loan-card:hover{
    transform:translateY(-12px);
    box-shadow:0 20px 50px rgba(0,87,255,.18);
}

.loan-icon{
    width:90px;
    height:90px;
    margin:auto;
    border-radius:50%;
    background:linear-gradient(135deg,#00d4ff,#0057ff);
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:42px;
    margin-bottom:25px;
}

.loan-card h4{
    font-weight:700;
    color:#051937;
    margin-bottom:15px;
}

.loan-card p{
    color:#666;
    line-height:1.8;
    margin-bottom:0;
}

@media(max-width:768px){

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

.loan-card{
    padding:30px 20px;
}

.loan-icon{
    width:75px;
    height:75px;
    font-size:34px;
}
}
/* ==========================
   FAQ SECTION
========================== */

.faq-section{
    background:linear-gradient(180deg,#f8fbff,#ffffff);
    position:relative;
}

.faq-badge{
    display:inline-block;
    background:#eaf2ff;
    color:#0057ff;
    padding:8px 20px;
    border-radius:50px;
    font-weight:600;
    margin-bottom:15px;
}

.faq-title{
    font-size:42px;
    font-weight:800;
    color:#051937;
    margin-bottom:15px;
}

.faq-desc{
    max-width:750px;
    margin:auto;
    color:#666;
    line-height:1.8;
}

/* FAQ Item */

.custom-faq .accordion-item{
    border:none;
    margin-bottom:20px;
    border-radius:18px !important;
    overflow:hidden;
    background:#fff;
    box-shadow:0 10px 30px rgba(0,0,0,.06);
    transition:.3s;
}

.custom-faq .accordion-item:hover{
    transform:translateY(-5px);
    box-shadow:0 15px 40px rgba(0,87,255,.12);
}

/* Question */

.custom-faq .accordion-button{
    background:#fff;
    color:#051937;
    font-size:17px;
    font-weight:700;
    padding:22px 25px;
    box-shadow:none;
    border:none;
}

.custom-faq .accordion-button:focus{
    box-shadow:none;
}

/* Active Question */

.custom-faq .accordion-button:not(.collapsed){
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    color:#fff;
}

/* Answer */

.custom-faq .accordion-body{
    padding:25px;
    color:#666;
    line-height:1.8;
    font-size:15px;
}

/* Toggle Icon */

.custom-faq .accordion-button::after{
    background-size:18px;
    transition:.4s;
}

.custom-faq .accordion-button:not(.collapsed)::after{
    transform:rotate(180deg);
    filter:brightness(100);
}

/* Left & Right Column Gap */

.custom-faq{
    margin-bottom:20px;
}

/* CTA Box */

.faq-cta{
    margin-top:60px;
    padding:40px;
    border-radius:25px;
    text-align:center;
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    color:#fff;
}

.faq-cta h3{
    font-weight:800;
    margin-bottom:15px;
}

.faq-cta p{
    opacity:.9;
    margin-bottom:20px;
}

.faq-cta .btn{
    background:#fff;
    color:#0057ff;
    border:none;
    font-weight:700;
    padding:12px 35px;
    border-radius:50px;
}

.faq-cta .btn:hover{
    transform:translateY(-3px);
}

/* Mobile */

@media(max-width:991px){

    .faq-title{
        font-size:32px;
    }

    .custom-faq .accordion-button{
        font-size:15px;
        padding:18px;
    }

    .accordion-body{
        padding:18px;
    }
}
/* ==========================
   CONTACT SECTION
========================== */

.contact-section{
    background:#f8fbff;
}

.contact-badge{
    display:inline-block;
    padding:8px 20px;
    border-radius:50px;
    background:#eaf2ff;
    color:#0057ff;
    font-weight:600;
    margin-bottom:15px;
}

.contact-title{
    font-size:42px;
    font-weight:800;
    color:#051937;
}

.contact-desc{
    color:#666;
    max-width:700px;
    margin:auto;
}

/* Contact Cards */

.contact-info-card{
    background:#fff;
    padding:30px;
    border-radius:20px;
    text-align:center;
    box-shadow:0 10px 30px rgba(0,0,0,.06);
    transition:.3s;
}

.contact-info-card:hover{
    transform:translateY(-8px);
    box-shadow:0 15px 40px rgba(0,87,255,.15);
}

.contact-icon{
    width:70px;
    height:70px;
    margin:auto;
    margin-bottom:20px;
    border-radius:50%;
    background:linear-gradient(135deg,#00d4ff,#0057ff);
    display:flex;
    align-items:center;
    justify-content:center;
}

.contact-icon i{
    color:#fff;
    font-size:28px;
}

.contact-info-card h5{
    font-weight:700;
    color:#051937;
}

.contact-info-card p{
    color:#666;
    margin-bottom:0;
}

/* Form */

.contact-form-card{
    background:#fff;
    padding:40px;
    border-radius:25px;
    box-shadow:0 10px 40px rgba(0,0,0,.06);
}

.contact-form-card h3{
    font-weight:800;
    color:#051937;
    margin-bottom:30px;
}

.contact-form-card .form-control{
    border:1px solid #e5e7eb;
    border-radius:12px;
    padding:14px 18px;
    box-shadow:none;
}

.contact-form-card .form-control:focus{
    border-color:#0057ff;
    box-shadow:0 0 0 0.15rem rgba(0,87,255,.15);
}

.contact-btn{
    border:none;
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    color:#fff;
    padding:14px 40px;
    border-radius:50px;
    font-weight:700;
    transition:.3s;
}

.contact-btn:hover{
    transform:translateY(-3px);
}

/* Responsive */

@media(max-width:768px){

    .contact-title{
        font-size:32px;
    }

    .contact-form-card{
        padding:25px;
    }
}
.apply-loan-section{
    background:#f8fbff;
}

.sticky-sidebar{
    position:sticky;
    top:100px;
}

.loan-benefits{
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    color:#fff;
    padding:40px;
    border-radius:30px;
    height:fit-content;
    box-shadow:0 20px 50px rgba(0,87,255,.25);
}

.sidebar-header h3{
    font-weight:800;
    margin-bottom:15px;
}

.sidebar-header p{
    opacity:.9;
}

.benefit-item{
    display:flex;
    gap:15px;
    margin:25px 0;
}

.benefit-item i{
    font-size:30px;
    min-width:40px;
}

.benefit-item h6{
    font-weight:700;
    margin-bottom:5px;
}

.benefit-item p{
    margin:0;
    opacity:.85;
}

.loan-stats{
    display:flex;
    justify-content:space-between;
    margin-top:30px;
    padding-top:25px;
    border-top:1px solid rgba(255,255,255,.2);
}

.stat-box h4{
    font-weight:800;
    margin-bottom:5px;
}

.trust-box{
    margin-top:30px;
    background:rgba(255,255,255,.12);
    padding:20px;
    border-radius:15px;
}

.trust-box ul{
    padding:0;
    list-style:none;
    margin:0;
}

.trust-box li{
    margin-bottom:10px;
}

.loan-form-box{
    background:#fff;
    padding:40px;
    border-radius:30px;
    box-shadow:0 15px 50px rgba(0,0,0,.08);
}

.loan-form-box label{
    font-weight:600;
    margin-bottom:8px;
}

.loan-form-box .form-control,
.loan-form-box .form-select{
    height:55px;
    border-radius:12px;
    border:1px solid #ddd;
}

.loan-form-box .form-control:focus,
.loan-form-box .form-select:focus{
    border-color:#0057ff;
    box-shadow:none;
}

.consent-box{
    background:#f8fbff;
    padding:25px;
    border-radius:15px;
    margin-top:20px;
}

.consent-box h5{
    font-weight:700;
    margin-bottom:20px;
}

.submit-loan-btn{
    width:100%;
    margin-top:25px;
    border:none;
    padding:16px;
    border-radius:50px;
    font-size:18px;
    font-weight:700;
    color:#fff;
    background:linear-gradient(135deg,#0057ff,#00c6ff);
}

.submit-loan-btn:hover{
    opacity:.95;
}

@media(max-width:991px){

    .sticky-sidebar{
        position:relative;
        top:auto;
    }

    .loan-benefits{
        margin-bottom:30px;
    }

    .loan-form-box{
        padding:25px;
    }

}
/* ==========================
   DISCLAIMER SECTION
========================== */

.disclaimer-section{
    padding:80px 0;
    background:#f8fbff;
}

.disclaimer-box{
    background:#fff;
    border-radius:25px;
    padding:40px;
    display:flex;
    gap:25px;
    align-items:flex-start;
    border-left:6px solid #ff9800;
    box-shadow:0 15px 40px rgba(0,0,0,.06);
}

.disclaimer-icon{
    min-width:70px;
    width:70px;
    height:70px;
    border-radius:50%;
    background:linear-gradient(135deg,#ff9800,#ff5722);
    display:flex;
    align-items:center;
    justify-content:center;
}

.disclaimer-icon i{
    color:#fff;
    font-size:30px;
}

.disclaimer-content h3{
    font-size:28px;
    font-weight:800;
    color:#051937;
    margin-bottom:20px;
}

.disclaimer-content p{
    color:#666;
    line-height:1.9;
    margin-bottom:15px;
}

@media(max-width:768px){

    .disclaimer-box{
        flex-direction:column;
        text-align:center;
        padding:25px;
    }

    .disclaimer-icon{
        margin:auto;
    }

    .disclaimer-content h3{
        font-size:24px;
    }
}
.privacy-policy-section{
    background:#f8fbff;
}

.privacy-badge{
    display:inline-block;
    padding:8px 22px;
    background:#e8f2ff;
    color:#0057ff;
    border-radius:50px;
    font-weight:600;
    margin-bottom:15px;
}

.privacy-header h1{
    font-size:48px;
    font-weight:800;
    color:#051937;
    margin-bottom:20px;
}

.privacy-header p{
    max-width:850px;
    margin:auto;
    color:#666;
    line-height:1.9;
}

.policy-card{
    background:#fff;
    padding:30px;
    border-radius:20px;
    height:100%;
    border-top:5px solid #0057ff;
    transition:.4s;
    box-shadow:0 10px 30px rgba(0,0,0,.05);
}

.policy-card:hover{
    transform:translateY(-8px);
    box-shadow:0 20px 40px rgba(0,87,255,.15);
}

.policy-card h4{
    font-size:20px;
    font-weight:700;
    color:#051937;
    margin-bottom:15px;
}

.policy-card p{
    color:#666;
    line-height:1.8;
    margin:0;
}

.privacy-contact-box{
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    color:#fff;
    padding:50px;
    border-radius:25px;
    text-align:center;
}

.privacy-contact-box h3{
    font-size:32px;
    font-weight:800;
    margin-bottom:15px;
}

.privacy-contact-box p{
    max-width:700px;
    margin:auto;
    opacity:.95;
}

.privacy-contact-info{
    display:flex;
    justify-content:center;
    gap:50px;
    margin-top:25px;
    font-size:18px;
}

@media(max-width:768px){

    .privacy-header h1{
        font-size:34px;
    }

    .policy-card{
        padding:20px;
    }

    .privacy-contact-box{
        padding:30px 20px;
    }

    .privacy-contact-info{
        flex-direction:column;
        gap:15px;
    }

}
.terms-section{
    background:#f8fbff;
}

.terms-badge{
    display:inline-block;
    padding:8px 22px;
    background:#e8f2ff;
    color:#0057ff;
    border-radius:50px;
    font-weight:600;
}

.terms-header h1{
    font-size:48px;
    font-weight:800;
    color:#051937;
    margin:20px 0;
}

.terms-header p{
    max-width:850px;
    margin:auto;
    color:#666;
    line-height:1.8;
}

.terms-card{
    background:#fff;
    padding:30px;
    border-radius:20px;
    border-top:5px solid #0057ff;
    height:100%;
    transition:.4s;
    box-shadow:0 10px 30px rgba(0,0,0,.05);
}

.terms-card:hover{
    transform:translateY(-8px);
    box-shadow:0 20px 40px rgba(0,87,255,.15);
}

.terms-card h4{
    color:#051937;
    font-weight:700;
    margin-bottom:15px;
}

.terms-card p{
    color:#666;
    line-height:1.8;
    margin:0;
}

.terms-note{
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    color:#fff;
    padding:50px;
    border-radius:25px;
    text-align:center;
}

.terms-note h3{
    font-weight:800;
    margin-bottom:15px;
}

.terms-note p{
    max-width:850px;
    margin:auto;
    opacity:.95;
}

@media(max-width:768px){

    .terms-header h1{
        font-size:34px;
    }

    .terms-card{
        padding:20px;
    }

    .terms-note{
        padding:30px 20px;
    }
}
.apr-calculator-section{
    background:linear-gradient(180deg,#f8fbff,#ffffff);
}

.apr-badge{
    background:#e8f2ff;
    color:#0057ff;
    padding:8px 20px;
    border-radius:50px;
    font-weight:600;
}

.apr-title{
    font-size:48px;
    font-weight:800;
    color:#051937;
    margin:20px 0;
}

.apr-desc{
    color:#666;
    max-width:700px;
    margin:auto;
}

.calculator-card,
.result-card{
    background:#fff;
    padding:35px;
    border-radius:25px;
    box-shadow:0 15px 40px rgba(0,0,0,.06);
}

.calculator-card label{
    font-weight:600;
    margin-bottom:8px;
}

.calculator-card .form-control{
    height:55px;
    border-radius:12px;
}

.calculate-btn{
    width:100%;
    border:none;
    padding:15px;
    border-radius:50px;
    font-weight:700;
    color:#fff;
    background:linear-gradient(135deg,#0057ff,#00c6ff);
}

.result-card h3{
    font-weight:800;
    margin-bottom:25px;
}

.result-box{
    background:#f8fbff;
    padding:25px;
    border-radius:18px;
    text-align:center;
}

.result-box span{
    color:#666;
    display:block;
    margin-bottom:10px;
}

.result-box h4{
    font-size:28px;
    font-weight:800;
    color:#0057ff;
}

.apr-info{
    margin-top:30px;
    padding:25px;
    background:#f8fbff;
    border-left:5px solid #0057ff;
    border-radius:15px;
}

@media(max-width:768px){

    .apr-title{
        font-size:34px;
    }

    .calculator-card,
    .result-card{
        padding:25px;
    }

}
.repay-section{
    background:#f8fbff;
}

.repay-badge{
    display:inline-block;
    background:#e8f2ff;
    color:#0057ff;
    padding:8px 22px;
    border-radius:50px;
    font-weight:600;
}

.repay-title{
    font-size:48px;
    font-weight:800;
    margin:20px 0;
    color:#051937;
}

.repay-desc{
    color:#666;
    max-width:750px;
    margin:auto;
}

.repay-form-card{
    background:#fff;
    padding:40px;
    border-radius:25px;
    box-shadow:0 15px 40px rgba(0,0,0,.06);
}

.repay-form-card h3{
    font-weight:800;
    margin-bottom:25px;
}

.repay-form-card label{
    font-weight:600;
    margin-bottom:8px;
}

.repay-form-card .form-control{
    height:55px;
    border-radius:12px;
}

.repay-btn{
    width:100%;
    border:none;
    padding:16px;
    border-radius:50px;
    font-size:18px;
    font-weight:700;
    color:#fff;
    background:linear-gradient(135deg,#0057ff,#00c6ff);
}

.repay-benefits{
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    color:#fff;
    border-radius:25px;
    padding:40px;
    height:100%;
}

.repay-benefits h3{
    font-weight:800;
    margin-bottom:30px;
}

.benefit-item{
    display:flex;
    gap:15px;
    margin-bottom:25px;
}

.benefit-item i{
    font-size:28px;
}

.loan-details-card{
    background:#fff;
    padding:30px;
    border-radius:20px;
    box-shadow:0 10px 30px rgba(0,0,0,.06);
}

.repay-now-box{
    margin-top:25px;
    background:#f8fbff;
    padding:25px;
    text-align:center;
    border-radius:15px;
}

.repay-now-box h2{
    color:#0057ff;
    font-weight:800;
    font-size:42px;
}

.pay-now-btn{
    display:inline-block;
    margin-top:15px;
    padding:14px 40px;
    border-radius:50px;
    background:linear-gradient(135deg,#0057ff,#00c6ff);
    color:#fff;
    text-decoration:none;
    font-weight:700;
}

@media(max-width:768px){

.repay-title{
    font-size:34px;
}

.repay-form-card,
.repay-benefits{
    padding:25px;
}

}