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

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    line-height: 1.6;
    color: #333;
}

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

.btn {
    display: inline-block;
    padding: 12px 32px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s ease;
    cursor: pointer;
    border: none;
    font-size: 16px;
}

.btn-primary {
    background: linear-gradient(135deg, #b06c46 0%, #52260d 100%);
    color: white;
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(176, 108, 70, 0.4);
}

.btn-secondary {
    background: white;
    color: #b06c46;
    border: 2px solid #b06c46;
}

.btn-secondary:hover {
    background: #b06c46;
    color: white;
}

.section {
    padding: 80px 0;
}

.section-title {
    text-align: center;
    font-size: 2.5rem;
    margin-bottom: 20px;
    color: #1a1a1a;
}

.section-subtitle {
    text-align: center;
    font-size: 1.1rem;
    color: #666;
    max-width: 700px;
    margin: 0 auto 60px;
}

.image-placeholder {
    background: linear-gradient(135deg, #f5f5f5 0%, #e0e0e0 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #999;
    font-size: 14px;
    font-weight: 500;
    border-radius: 12px;
    position: relative;
    overflow: hidden;
}

.image-placeholder::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: repeating-linear-gradient(
        45deg,
        transparent,
        transparent 10px,
        rgba(0,0,0,0.03) 10px,
        rgba(0,0,0,0.03) 20px
    );
}

.image-placeholder span {
    position: relative;
    z-index: 1;
}

.icon {
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 12px;
    margin: 0 auto 20px;
}

.icon-orange {
    background: linear-gradient(135deg, #b06c46 0%, #52260d 100%);
}

.icon-blue {
    background: linear-gradient(135deg, #edb697 0%, #b06c46 100%);
}

.icon-green {
    background: linear-gradient(135deg, #b06c46 0%, #52260d 100%);
}

.icon-purple {
    background: linear-gradient(135deg, #edb697 0%, #b06c46 100%);
}

.icon svg {
    width: 30px;
    height: 30px;
    fill: white;
}

.hero {
    background: linear-gradient(135deg, #f4d2ad 0%, #fff 100%);
    padding: 100px 0;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-text h1 {
    font-size: 3.5rem;
    line-height: 1.2;
    margin-bottom: 20px;
    color: #1a1a1a;
}

.hero-text .subtitle {
    font-size: 1.25rem;
    color: #666;
    margin-bottom: 30px;
}

.hero-text .description {
    font-size: 1.1rem;
    color: #555;
    margin-bottom: 40px;
    line-height: 1.8;
}

.hero-buttons {
    display: flex;
    gap: 15px;
    margin-bottom: 40px;
}

.hero-features {
    display: flex;
    gap: 30px;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.95rem;
    color: #555;
}

.hero-feature svg {
    width: 20px;
    height: 20px;
    fill: #b06c46;
}

.hero-image {
    width: 500px;
    height: 400px;
}

.why-choose {
    background: white;
}

.why-choose-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    text-align: center;
}

.loan-highlights-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    text-align: center;
}

.why-choose-item h3 {
    font-size: 1.25rem;
    margin-bottom: 15px;
    color: #1a1a1a;
}

.why-choose-item p {
    color: #666;
    line-height: 1.6;
}

.loan-solutions {
    background: #f9f9f9;
}

.loan-solutions-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.loan-card {
    background: white;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    transition: transform 0.3s ease;
}

.loan-card:hover {
    transform: translateY(-8px);
}

.loan-card-image {
    width: 100%;
    height: 200px;
}

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

.loan-card-content h3 {
    font-size: 1.5rem;
    margin-bottom: 15px;
    color: #1a1a1a;
}

.loan-card-content p {
    color: #666;
    line-height: 1.6;
}

.loan-solutions-cta {
    text-align: center;
    margin-top: 50px;
}

.how-it-works {
    background: white;
}

.steps-container {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.step {
    text-align: center;
    position: relative;
}

.step-number {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, #ff6b35 0%, #f7931e 100%);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    font-weight: 700;
    margin: 0 auto 20px;
}

.step h3 {
    font-size: 1.25rem;
    margin-bottom: 15px;
    color: #1a1a1a;
}

.step p {
    color: #666;
    line-height: 1.6;
}

.loan-calculator {
    background: linear-gradient(135deg, #f4d2ad 0%, #fff 100%);
}

.calculator-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.calculator-form {
    background: white;
    padding: 40px;
    border-radius: 16px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.calculator-form h2 {
    font-size: 2rem;
    margin-bottom: 15px;
    color: #1a1a1a;
}

.calculator-form p {
    color: #666;
    margin-bottom: 30px;
}

.form-group {
    margin-bottom: 25px;
}

.form-group label {
    display: block;
    margin-bottom: 10px;
    font-weight: 600;
    color: #333;
}

.form-group input {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid #e0e0e0;
    border-radius: 8px;
    font-size: 16px;
    transition: border-color 0.3s ease;
}

.form-group input:focus {
    outline: none;
    border-color: #b06c46;
}

.calculator-btn {
    width: 100%;
    padding: 16px;
    background: linear-gradient(135deg, #b06c46 0%, #52260d 100%);
    color: white;
    border: none;
    border-radius: 8px;
    font-size: 18px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
}

.calculator-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(176, 108, 70, 0.4);
}

.calculator-result {
    margin-top: 25px;
    padding: 20px;
    background: #f9f9f9;
    border-radius: 8px;
    display: none;
}

.calculator-result.show {
    display: block;
}

.calculator-result h4 {
    color: #b06c46;
    font-size: 1.5rem;
    margin-bottom: 10px;
}

.calculator-result p {
    color: #666;
    margin: 5px 0;
}

.calculator-image {
    width: 450px;
    height: 350px;
}

.eligibility {
    background: white;
}

.eligibility-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.eligibility-text h2 {
    font-size: 2.5rem;
    margin-bottom: 20px;
    color: #1a1a1a;
}

.eligibility-text p {
    color: #666;
    margin-bottom: 30px;
    font-size: 1.1rem;
}

.eligibility-list {
    list-style: none;
}

.eligibility-list li {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 15px 0;
    border-bottom: 1px solid #f0f0f0;
    color: #555;
}

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

.eligibility-list li svg {
    width: 24px;
    height: 24px;
    fill: #b06c46;
    flex-shrink: 0;
}

.eligibility-image {
    width: 300px;
    height: 250px;
}

.security {
    background: #f9f9f9;
}

.security-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.security-image {
    width: 450px;
    height: 350px;
}

.security-text h2 {
    font-size: 2.5rem;
    margin-bottom: 20px;
    color: #1a1a1a;
}

.security-text p {
    color: #666;
    line-height: 1.8;
    font-size: 1.1rem;
}

.faq {
    background: white;
}

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

.faq-item {
    border: 1px solid #e0e0e0;
    border-radius: 8px;
    margin-bottom: 15px;
    overflow: hidden;
}

.faq-question {
    padding: 20px 25px;
    background: white;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-weight: 600;
    color: #1a1a1a;
    transition: background 0.3s ease;
}

.faq-question:hover {
    background: #f9f9f9;
}

.faq-question.active {
    background: #f4d2ad;
    color: #52260d;
}

.faq-question svg {
    width: 20px;
    height: 20px;
    transition: transform 0.3s ease;
}

.faq-question.active svg {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
    background: #f9f9f9;
}

.faq-answer.show {
    max-height: 200px;
}

.faq-answer p {
    padding: 20px 25px;
    color: #666;
    line-height: 1.6;
}

.cta {
    background: linear-gradient(135deg, #b06c46 0%, #52260d 100%);
    text-align: center;
    color: white;
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.cta::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1920 400"><rect fill="rgba(255,255,255,0.1)" width="1920" height="400"/></svg>');
    background-size: cover;
}

.cta-content {
    position: relative;
    z-index: 1;
}

.cta h2 {
    font-size: 3rem;
    margin-bottom: 20px;
}

.cta p {
    font-size: 1.25rem;
    margin-bottom: 40px;
    opacity: 0.95;
}

.cta .btn {
    background: white;
    color: #52260d;
}

.cta .btn:hover {
    background: #f4d2ad;
}

.lending-partners {
    background: white;
}

.partners-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
    margin-bottom: 40px;
}

.partner-card {
    background: #f9f9f9;
    padding: 30px;
    border-radius: 12px;
    border-left: 4px solid #b06c46;
}

.partner-card h3 {
    font-size: 1.5rem;
    margin-bottom: 20px;
    color: #1a1a1a;
}

.partner-info {
    margin-bottom: 10px;
    color: #555;
}

.partner-info strong {
    color: #333;
}

.disclaimer {
    background: #f4d2ad;
    padding: 30px;
    border-radius: 12px;
    border-left: 4px solid #b06c46;
}

.disclaimer h4 {
    color: #52260d;
    margin-bottom: 15px;
    font-size: 1.25rem;
}

.disclaimer p {
    color: #666;
    line-height: 1.8;
}

footer {
    background: #1a1a1a;
    color: white;
    padding: 60px 0 30px;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    margin-bottom: 40px;
}

.footer-column h4 {
    font-size: 1.25rem;
    margin-bottom: 20px;
    color: #b06c46;
}

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

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

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

.footer-column ul li a:hover {
    color: #b06c46;
}

.footer-bottom {
    text-align: center;
    padding-top: 30px;
    border-top: 1px solid #333;
    color: #999;
}

@media (max-width: 1024px) {
    .hero-content,
    .calculator-content,
    .eligibility-content,
    .security-content {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero-image,
    .calculator-image,
    .eligibility-image,
    .security-image {
        width: 100%;
        height: auto;
    }

    .hero-text,
    .calculator-form,
    .eligibility-text,
    .security-text {
        order: 1;
    }

    .hero-image,
    .calculator-image,
    .eligibility-image,
    .security-image {
        order: 2;
    }

    .why-choose-grid,
    .loan-solutions-grid,
    .steps-container,
    .partners-grid,
    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .section {
        padding: 60px 0;
    }

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

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

    .hero-buttons {
        flex-direction: column;
    }

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

    .why-choose-grid,
    .loan-solutions-grid,
    .steps-container,
    .partners-grid,
    .footer-grid {
        grid-template-columns: 1fr;
    }

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

    .calculator-form {
        padding: 30px 20px;
    }
}