/* ===== CSS Variables ===== */
:root {
    --primary: #2e7d32;
    --primary-dark: #1b5e20;
    --primary-light: #4caf50;
    --secondary: #0f172a;
    --accent: #2563eb;
    --success: #4caf50;
    --warning: #f59e0b;
    --danger: #ef4444;
    --purple: #8b5cf6;
    --pink: #ec4899;
    --orange: #f97316;
    --green: #4caf50;
    --blue: #2563eb;
    --gradient-primary: linear-gradient(135deg, #2e7d32 0%, #2563eb 100%);
    --gradient-secondary: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
    --gradient-accent: linear-gradient(135deg, #4caf50 0%, #2563eb 100%);
    --gradient-green-blue: linear-gradient(135deg, #4caf50 0%, #00bcd4 50%, #2563eb 100%);
    --text-primary: #0f172a;
    --text-secondary: #475569;
    --text-light: #94a3b8;
    --bg-light: #f8fafc;
    --bg-white: #ffffff;
    --border-color: #e2e8f0;
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    --shadow-2xl: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    --shadow-3d: 0 20px 60px rgba(46, 125, 50, 0.3);
    --radius-sm: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 1rem;
    --radius-xl: 1.5rem;
    --radius-2xl: 2rem;
    --radius-full: 9999px;
    --transition: all 0.3s ease;
    --transition-fast: all 0.15s ease;
}

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--text-primary);
    background: var(--bg-white);
    overflow-x: hidden;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

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

ul,
ol {
    list-style: none;
}

button {
    cursor: pointer;
    border: none;
    background: none;
    font-family: inherit;
}

input,
textarea,
select {
    font-family: inherit;
    font-size: inherit;
}

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

.gradient-text {
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* ===== Preloader ===== */
#preloader {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: var(--bg-white);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 99999;
    transition: opacity 0.5s ease, visibility 0.5s ease;
}

#preloader.loaded {
    opacity: 0;
    visibility: hidden;
}

.loader {
    text-align: center;
}

.logo-loader {
    width: 80px;
    height: 80px;
    animation: pulse 1.5s infinite;
}

@keyframes pulse {

    0%,
    100% {
        transform: scale(1);
    }

    50% {
        transform: scale(1.05);
    }
}

/* ===== Header & Navigation ===== */
header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    transition: var(--transition);
}

header.scrolled {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    box-shadow: var(--shadow-md);
}

.navbar {
    padding: 16px 0;
}

.nav-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.5rem;
    font-weight: 800;
    color: #2563eb;
}

.logo-svg {
    transition: var(--transition);
}

.logo:hover .logo-svg {
    transform: rotate(10deg);
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-link {
    font-weight: 500;
    color: var(--text-secondary);
    position: relative;
    padding: 8px 0;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--gradient-primary);
    transition: var(--transition);
}

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

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

.nav-cta {
    background: var(--gradient-primary);
    color: white;
    padding: 12px 24px;
    border-radius: var(--radius-full);
    font-weight: 600;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.nav-cta:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 10px;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background: var(--text-primary);
    border-radius: 3px;
    transition: var(--transition);
}

/* ===== Buttons ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    padding: 14px 28px;
    border-radius: var(--radius-lg);
    font-weight: 600;
    font-size: 1rem;
    transition: var(--transition);
    cursor: pointer;
}

.btn-primary {
    background: var(--gradient-primary);
    color: white;
    box-shadow: var(--shadow-md);
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-3d);
}

.btn-secondary {
    background: white;
    color: var(--text-primary);
    border: 2px solid var(--border-color);
}

.btn-secondary:hover {
    border-color: var(--primary);
    color: var(--primary);
    transform: translateY(-3px);
}

.btn-outline {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}

.btn-outline:hover {
    background: var(--primary);
    color: white;
}

.btn-block {
    width: 100%;
}

.btn i {
    font-size: 1.25rem;
}

.btn div {
    text-align: left;
}

.btn div span {
    display: block;
    font-size: 0.75rem;
    font-weight: 400;
    opacity: 0.8;
}

.btn div strong {
    display: block;
    font-size: 1rem;
}

/* ===== Hero Section ===== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 120px 0 80px;
    overflow: hidden;
    background: linear-gradient(135deg, #e8f5e9 0%, #e3f2fd 50%, #e0f7fa 100%);
}

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

.floating-shapes .shape {
    position: absolute;
    border-radius: 50%;
    animation: float 20s infinite ease-in-out;
}

.shape-1 {
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(76, 175, 80, 0.15) 0%, transparent 70%);
    top: -100px;
    right: -100px;
}

.shape-2 {
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.1) 0%, transparent 70%);
    bottom: 10%;
    left: -50px;
    animation-delay: -5s;
}

.shape-3 {
    width: 200px;
    height: 200px;
    background: radial-gradient(circle, rgba(0, 188, 212, 0.1) 0%, transparent 70%);
    top: 40%;
    left: 30%;
    animation-delay: -10s;
}

.shape-4 {
    width: 250px;
    height: 250px;
    background: radial-gradient(circle, rgba(46, 125, 50, 0.1) 0%, transparent 70%);
    bottom: 20%;
    right: 20%;
    animation-delay: -15s;
}

@keyframes float {

    0%,
    100% {
        transform: translate(0, 0) scale(1);
    }

    25% {
        transform: translate(30px, -30px) scale(1.1);
    }

    50% {
        transform: translate(-20px, 20px) scale(0.9);
    }

    75% {
        transform: translate(20px, 30px) scale(1.05);
    }
}

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

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(37, 99, 235, 0.1);
    color: var(--primary);
    padding: 8px 16px;
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: 24px;
}

.hero-badge i {
    color: var(--warning);
}

.hero-text h1 {
    font-size: 3.5rem;
    font-weight: 800;
    line-height: 1.1;
    margin-bottom: 24px;
    color: var(--secondary);
}

.hero-text p {
    font-size: 1.125rem;
    color: var(--text-secondary);
    margin-bottom: 32px;
    max-width: 500px;
}

.hero-stats {
    display: flex;
    gap: 40px;
    margin-bottom: 40px;
    padding: 24px 0;
    border-top: 1px solid var(--border-color);
    border-bottom: 1px solid var(--border-color);
}

.stat-item h3 {
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--primary);
}

.stat-item p {
    font-size: 0.875rem;
    color: var(--text-light);
    margin-bottom: 0;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

/* Phone Mockup */
.hero-visual {
    position: relative;
    display: flex;
    justify-content: center;
}

.phone-mockup {
    position: relative;
}

.phone-frame {
    position: relative;
    width: 280px;
    height: 580px;
    background: #1a1a1a;
    border-radius: 40px;
    padding: 12px;
    box-shadow: var(--shadow-2xl), 0 0 80px rgba(37, 99, 235, 0.2);
}

.phone-screen {
    width: 100%;
    height: 100%;
    border-radius: 32px;
    overflow: hidden;
    position: relative;
    background: linear-gradient(180deg, #2e7d32 0%, #4caf50 30%, #00bcd4 70%, #2563eb 100%);
}

.phone-screen img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.3;
}

.app-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    padding: 40px 20px;
    display: flex;
    flex-direction: column;
    align-items: center;
    color: white;
}

.app-header-mock {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 700;
    font-size: 1.25rem;
    margin-bottom: 60px;
}

.app-balance {
    text-align: center;
    margin-bottom: 40px;
}

.app-balance span {
    font-size: 0.875rem;
    opacity: 0.8;
}

.app-balance h2 {
    font-size: 2.5rem;
    font-weight: 800;
}

.app-apply-btn {
    background: white;
    color: var(--primary);
    padding: 16px 40px;
    border-radius: var(--radius-full);
    font-weight: 700;
    font-size: 1rem;
    box-shadow: var(--shadow-lg);
}

/* Floating Cards */
.floating-card {
    position: absolute;
    background: white;
    padding: 12px 20px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 600;
    font-size: 0.875rem;
    animation: floatCard 3s ease-in-out infinite;
}

.floating-card i {
    font-size: 1.25rem;
}

.card-1 {
    top: 60px;
    right: -40px;
    color: var(--success);
    animation-delay: 0s;
}

.card-2 {
    bottom: 150px;
    left: -50px;
    color: var(--primary);
    animation-delay: -1s;
}

.card-3 {
    bottom: 60px;
    right: -30px;
    color: var(--warning);
    animation-delay: -2s;
}

@keyframes floatCard {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-10px);
    }
}

.hero-wave {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
}

.hero-wave svg {
    display: block;
    width: 100%;
    height: 120px;
}

/* ===== Partners Section ===== */
.partners {
    padding: 40px 0;
    background: var(--bg-white);
}

.partners-title {
    text-align: center;
    color: var(--text-light);
    font-size: 0.875rem;
    margin-bottom: 24px;
    text-transform: uppercase;
    letter-spacing: 2px;
}

.partners-logos {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 60px;
    flex-wrap: wrap;
}

.partner-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--text-light);
    font-weight: 600;
    font-size: 1rem;
    transition: var(--transition);
}

.partner-logo:hover {
    color: var(--primary);
}

.partner-logo i {
    font-size: 1.5rem;
}

/* ===== Section Styles ===== */
.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px;
}

.section-tag {
    display: inline-block;
    background: rgba(37, 99, 235, 0.1);
    color: var(--primary);
    padding: 8px 20px;
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: 16px;
}

.section-header h2 {
    font-size: 2.5rem;
    font-weight: 800;
    margin-bottom: 16px;
    color: var(--secondary);
}

.section-header p {
    font-size: 1.125rem;
    color: var(--text-secondary);
}

/* ===== Features Section ===== */
.features {
    padding: 100px 0;
    background: var(--bg-white);
}

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

.feature-card {
    background: var(--bg-white);
    padding: 40px 30px;
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-color);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: var(--gradient-primary);
    transform: scaleX(0);
    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-xl);
    border-color: transparent;
}

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

.feature-icon {
    margin-bottom: 24px;
}

.icon-3d {
    width: 70px;
    height: 70px;
    background: var(--gradient-primary);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
    color: white;
    box-shadow: 0 10px 30px rgba(37, 99, 235, 0.3);
    transform: perspective(500px) rotateY(-10deg);
    transition: var(--transition);
}

.feature-card:hover .icon-3d {
    transform: perspective(500px) rotateY(0deg) scale(1.1);
}

.icon-3d.icon-green {
    background: linear-gradient(135deg, #10b981 0%, #34d399 100%);
    box-shadow: 0 10px 30px rgba(16, 185, 129, 0.3);
}

.icon-3d.icon-purple {
    background: linear-gradient(135deg, #8b5cf6 0%, #a78bfa 100%);
    box-shadow: 0 10px 30px rgba(139, 92, 246, 0.3);
}

.icon-3d.icon-orange {
    background: linear-gradient(135deg, #f97316 0%, #fb923c 100%);
    box-shadow: 0 10px 30px rgba(249, 115, 22, 0.3);
}

.icon-3d.icon-cyan {
    background: linear-gradient(135deg, #06b6d4 0%, #22d3ee 100%);
    box-shadow: 0 10px 30px rgba(6, 182, 212, 0.3);
}

.icon-3d.icon-pink {
    background: linear-gradient(135deg, #ec4899 0%, #f472b6 100%);
    box-shadow: 0 10px 30px rgba(236, 72, 153, 0.3);
}

.feature-card h3 {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--secondary);
}

.feature-card p {
    color: var(--text-secondary);
    margin-bottom: 20px;
    line-height: 1.7;
}

.feature-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--primary);
    font-weight: 600;
    font-size: 0.875rem;
}

.feature-link i {
    transition: var(--transition);
}

.feature-link:hover i {
    transform: translateX(5px);
}

/* ===== Loan Types Section ===== */
.loan-types {
    padding: 100px 0;
    background: linear-gradient(180deg, var(--bg-light) 0%, var(--bg-white) 100%);
}

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

.loan-card {
    background: var(--bg-white);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.loan-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-2xl);
}

.loan-image {
    position: relative;
    height: 180px;
    overflow: hidden;
}

.loan-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition);
}

.loan-card:hover .loan-image img {
    transform: scale(1.1);
}

.loan-badge {
    position: absolute;
    top: 16px;
    right: 16px;
    background: var(--gradient-primary);
    color: white;
    padding: 6px 14px;
    border-radius: var(--radius-full);
    font-size: 0.75rem;
    font-weight: 600;
}

.loan-content {
    padding: 24px;
    position: relative;
}

.loan-icon {
    position: absolute;
    top: -30px;
    left: 24px;
    width: 60px;
    height: 60px;
    background: var(--gradient-primary);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    color: white;
    box-shadow: var(--shadow-lg);
}

.loan-icon.icon-green {
    background: linear-gradient(135deg, #10b981 0%, #34d399 100%);
}

.loan-icon.icon-orange {
    background: linear-gradient(135deg, #f97316 0%, #fb923c 100%);
}

.loan-icon.icon-purple {
    background: linear-gradient(135deg, #8b5cf6 0%, #a78bfa 100%);
}

.loan-content h3 {
    font-size: 1.25rem;
    font-weight: 700;
    margin: 24px 0 12px;
    color: var(--secondary);
}

.loan-content p {
    color: var(--text-secondary);
    font-size: 0.875rem;
    margin-bottom: 20px;
    line-height: 1.6;
}

.loan-details {
    display: flex;
    justify-content: space-between;
    padding: 16px 0;
    border-top: 1px solid var(--border-color);
    border-bottom: 1px solid var(--border-color);
    margin-bottom: 20px;
}

.loan-rate,
.loan-amount {
    text-align: center;
}

.loan-rate span,
.loan-amount span {
    display: block;
    font-size: 0.75rem;
    color: var(--text-light);
}

.loan-rate strong,
.loan-amount strong {
    font-size: 1.25rem;
    color: var(--primary);
}

/* ===== How It Works Section ===== */
.how-it-works {
    padding: 100px 0;
    background: var(--bg-white);
}

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

.step-line {
    position: absolute;
    top: 50px;
    left: 15%;
    right: 15%;
    height: 3px;
    background: var(--gradient-primary);
    z-index: 0;
}

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

.step-number {
    width: 60px;
    height: 60px;
    background: var(--gradient-primary);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 800;
    margin: 0 auto 24px;
    box-shadow: var(--shadow-3d);
    position: relative;
}

.step-content {
    background: var(--bg-white);
    padding: 30px 20px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
}

.step-icon {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    overflow: hidden;
    margin: 0 auto 20px;
    box-shadow: var(--shadow-md);
}

.step-icon img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.step-content h3 {
    font-size: 1.125rem;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--secondary);
}

.step-content p {
    font-size: 0.875rem;
    color: var(--text-secondary);
}

/* ===== Calculator Section ===== */
.calculator-section {
    padding: 100px 0;
    background: linear-gradient(135deg, #0f172a 0%, #1e293b 100%);
}

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

.calculator-info {
    color: white;
}

.calculator-info .section-tag {
    background: rgba(255, 255, 255, 0.1);
    color: white;
}

.calculator-info h2 {
    font-size: 2.5rem;
    margin-bottom: 20px;
}

.calculator-info p {
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 30px;
}

.calculator-features {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.calc-feature {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, 0.9);
}

.calc-feature i {
    color: var(--success);
    font-size: 1.25rem;
}

.calculator-box {
    background: white;
    padding: 40px;
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-2xl);
}

.calc-input-group {
    margin-bottom: 30px;
}

.calc-input-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 12px;
    color: var(--secondary);
}

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

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--gradient-primary);
    cursor: pointer;
    box-shadow: 0 4px 10px rgba(37, 99, 235, 0.3);
}

.calc-value {
    text-align: right;
    font-weight: 700;
    color: var(--primary);
    margin-top: 8px;
    font-size: 1.125rem;
}

.calc-result {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    padding: 24px;
    background: var(--bg-light);
    border-radius: var(--radius-lg);
    margin-bottom: 24px;
}

.result-item {
    text-align: center;
}

.result-item span {
    display: block;
    font-size: 0.75rem;
    color: var(--text-light);
    margin-bottom: 4px;
}

.result-item h3 {
    font-size: 1.25rem;
    color: var(--primary);
    font-weight: 700;
}

/* ===== Testimonials Section ===== */
.testimonials {
    padding: 100px 0;
    background: var(--bg-light);
}

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

.testimonial-card {
    background: var(--bg-white);
    padding: 32px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.testimonial-rating {
    color: var(--warning);
    margin-bottom: 20px;
    font-size: 1.125rem;
}

.testimonial-card p {
    color: var(--text-secondary);
    font-style: italic;
    line-height: 1.8;
    margin-bottom: 24px;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 16px;
}

.testimonial-author img {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    object-fit: cover;
}

.testimonial-author h4 {
    font-weight: 700;
    color: var(--secondary);
    margin-bottom: 4px;
}

.testimonial-author span {
    font-size: 0.875rem;
    color: var(--text-light);
}

/* ===== Download Section ===== */
.download-section {
    padding: 100px 0;
    background: linear-gradient(135deg, #e8f5e9 0%, #e3f2fd 100%);
    position: relative;
    overflow: hidden;
}

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

.download-content h2 {
    font-size: 2.5rem;
    margin-bottom: 20px;
}

.download-content p {
    color: var(--text-secondary);
    margin-bottom: 30px;
}

.download-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 40px;
}

.dl-feature {
    display: flex;
    align-items: center;
    gap: 12px;
    color: var(--text-secondary);
}

.dl-feature i {
    color: var(--success);
    font-size: 1.25rem;
}

.download-buttons {
    display: flex;
    gap: 16px;
    margin-bottom: 24px;
}

.download-btn {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px 28px;
    border-radius: var(--radius-lg);
    font-weight: 600;
    transition: var(--transition);
    cursor: pointer;
    border: none;
}

.download-btn.android {
    background: linear-gradient(135deg, #2e7d32 0%, #4caf50 100%);
    color: white;
}

.download-btn.ios {
    background: #1a1a1a;
    color: white;
}

.download-btn:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
}

.download-btn i {
    font-size: 2rem;
}

.download-btn div span {
    display: block;
    font-size: 0.75rem;
    opacity: 0.8;
}

.download-btn div strong {
    display: block;
    font-size: 1rem;
}

.app-info {
    display: flex;
    align-items: center;
    gap: 20px;
}

.app-rating .stars {
    color: var(--warning);
    margin-bottom: 4px;
}

.app-rating span {
    font-size: 0.875rem;
    color: var(--text-light);
}

.download-visual {
    position: relative;
    display: flex;
    justify-content: center;
}

.phone-showcase {
    position: relative;
    width: 300px;
}

.phone-showcase img {
    border-radius: 40px;
    box-shadow: var(--shadow-2xl);
}

.phone-glow {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 250px;
    height: 250px;
    background: radial-gradient(circle, rgba(76, 175, 80, 0.3) 0%, transparent 70%);
    z-index: -1;
}

/* ===== Contact Section ===== */
.contact-section {
    padding: 100px 0;
    background: var(--bg-white);
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 60px;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.info-card {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    padding: 24px;
    background: var(--bg-light);
    border-radius: var(--radius-lg);
    transition: var(--transition);
}

.info-card:hover {
    transform: translateX(10px);
    box-shadow: var(--shadow-md);
}

.info-icon {
    width: 50px;
    height: 50px;
    background: var(--gradient-primary);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.25rem;
    flex-shrink: 0;
}

.info-content h4 {
    font-weight: 700;
    margin-bottom: 4px;
    color: var(--secondary);
}

.info-content p {
    color: var(--text-primary);
    font-weight: 500;
}

.info-content span {
    font-size: 0.875rem;
    color: var(--text-light);
}

.social-links {
    display: flex;
    gap: 12px;
    margin-top: 20px;
}

.social-links a {
    width: 45px;
    height: 45px;
    background: var(--bg-light);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-secondary);
    font-size: 1.125rem;
    transition: var(--transition);
}

.social-links a:hover {
    background: var(--gradient-primary);
    color: white;
    transform: translateY(-3px);
}

.contact-form {
    background: var(--bg-white);
    padding: 40px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-color);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-weight: 600;
    margin-bottom: 8px;
    color: var(--secondary);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 14px 18px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 1rem;
    transition: var(--transition);
    background: var(--bg-white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--primary);
    outline: none;
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1);
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
}

/* ===== Footer ===== */
.footer {
    background: var(--secondary);
    color: white;
    padding: 80px 0 0;
}

.footer-top {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr 1.5fr;
    gap: 40px;
    padding-bottom: 60px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand {
    max-width: 300px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.5rem;
    font-weight: 800;
    margin-bottom: 20px;
}

.footer-brand p {
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 24px;
    line-height: 1.7;
}

.footer-social {
    display: flex;
    gap: 12px;
}

.footer-social a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.footer-social a:hover {
    background: var(--primary);
    transform: translateY(-3px);
}

.footer-links h4 {
    font-weight: 700;
    margin-bottom: 24px;
    font-size: 1.125rem;
}

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

.footer-links ul li a {
    color: rgba(255, 255, 255, 0.7);
    transition: var(--transition);
}

.footer-links ul li a:hover {
    color: white;
    padding-left: 5px;
}

.footer-newsletter h4 {
    font-weight: 700;
    margin-bottom: 16px;
    font-size: 1.125rem;
}

.footer-newsletter p {
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 20px;
}

.newsletter-form {
    display: flex;
    gap: 10px;
}

.newsletter-form input {
    flex: 1;
    padding: 14px 18px;
    border: none;
    border-radius: var(--radius-md);
    background: rgba(255, 255, 255, 0.1);
    color: white;
}

.newsletter-form input::placeholder {
    color: rgba(255, 255, 255, 0.5);
}

.newsletter-form button {
    width: 50px;
    height: 50px;
    background: var(--gradient-primary);
    border-radius: var(--radius-md);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.newsletter-form button:hover {
    transform: scale(1.05);
}

.footer-bottom {
    padding: 24px 0;
    text-align: center;
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.875rem;
}

/* ===== Modal ===== */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.7);
    backdrop-filter: blur(10px);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.modal-overlay.active {
    opacity: 1;
    visibility: visible;
}

.modal-content {
    background: white;
    padding: 50px;
    border-radius: var(--radius-2xl);
    text-align: center;
    max-width: 450px;
    width: 90%;
    position: relative;
    transform: scale(0.8);
    transition: var(--transition);
}

.modal-overlay.active .modal-content {
    transform: scale(1);
}

.modal-icon {
    width: 80px;
    height: 80px;
    background: #1a1a1a;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    font-size: 2.5rem;
    color: white;
}

.modal-content h3 {
    font-size: 1.75rem;
    font-weight: 800;
    margin-bottom: 16px;
    color: var(--secondary);
}

.modal-content p {
    color: var(--text-secondary);
    margin-bottom: 30px;
}

.notify-form {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.notify-form input {
    padding: 16px 20px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 1rem;
    text-align: center;
}

.modal-close {
    position: absolute;
    top: 20px;
    right: 20px;
    width: 40px;
    height: 40px;
    background: var(--bg-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    color: var(--text-secondary);
    transition: var(--transition);
}

.modal-close:hover {
    background: var(--danger);
    color: white;
}

/* ===== Back to Top ===== */
.back-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    background: var(--gradient-primary);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    z-index: 999;
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
}

.back-to-top:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-3d);
}

/* ===== Responsive Design ===== */
@media (max-width: 1200px) {
    .hero-content {
        gap: 40px;
    }

    .hero-text h1 {
        font-size: 2.75rem;
    }

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

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

    .step-line {
        display: none;
    }

    .footer-top {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 992px) {
    .nav-menu {
        display: none;
        position: fixed;
        top: 70px;
        left: 0;
        width: 100%;
        background: white;
        flex-direction: column;
        padding: 30px;
        box-shadow: var(--shadow-lg);
        gap: 16px;
    }

    .nav-menu.active {
        display: flex;
    }

    .nav-cta {
        display: none;
    }

    .hamburger {
        display: flex;
    }

    .hero-content {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-text p {
        margin-left: auto;
        margin-right: auto;
    }

    .hero-stats {
        justify-content: center;
    }

    .hero-buttons {
        justify-content: center;
    }

    .hero-visual {
        order: -1;
    }

    .phone-frame {
        width: 240px;
        height: 500px;
    }

    .floating-card {
        display: none;
    }

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

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

    .download-wrapper {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .download-features {
        justify-content: center;
    }

    .download-buttons {
        justify-content: center;
    }

    .download-visual {
        order: -1;
    }

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

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

@media (max-width: 768px) {
    .hero-text h1 {
        font-size: 2rem;
    }

    .hero-stats {
        flex-direction: column;
        gap: 20px;
    }

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

    .btn {
        width: 100%;
        justify-content: center;
    }

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

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

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

    .calc-result {
        grid-template-columns: 1fr;
    }

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

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

    .download-btn {
        width: 100%;
        justify-content: center;
    }

    .footer-top {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .footer-brand {
        max-width: none;
    }

    .footer-social,
    .footer-links ul {
        justify-content: center;
    }

    .newsletter-form {
        flex-direction: column;
    }

    .newsletter-form button {
        width: 100%;
    }

    .partners-logos {
        gap: 30px;
    }

    .section-header h2 {
        font-size: 1.75rem;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 16px;
    }

    .hero-text h1 {
        font-size: 1.75rem;
    }

    .phone-frame {
        width: 200px;
        height: 420px;
    }

    .modal-content {
        padding: 30px 20px;
    }
}

/* ===== Language Selector ===== */
.language-selector {
    position: relative;
}

.lang-btn {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 8px 16px;
    background: var(--bg-light);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-full);
    font-weight: 600;
    font-size: 0.875rem;
    color: var(--text-primary);
    cursor: pointer;
    transition: var(--transition);
}

.lang-btn:hover {
    background: white;
    box-shadow: var(--shadow-md);
}

.lang-dropdown {
    position: absolute;
    top: 100%;
    right: 0;
    margin-top: 8px;
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    padding: 8px;
    min-width: 200px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: var(--transition);
    z-index: 100;
}

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

.lang-option {
    display: flex;
    align-items: center;
    gap: 10px;
    width: 100%;
    padding: 12px 16px;
    background: none;
    border: none;
    border-radius: var(--radius-md);
    font-size: 0.9375rem;
    text-align: left;
    cursor: pointer;
    transition: var(--transition-fast);
}

.lang-option:hover {
    background: var(--bg-light);
}

.lang-option.active {
    background: rgba(46, 125, 50, 0.1);
    color: var(--primary);
    font-weight: 600;
}

/* ===== Single Loan Card Layout ===== */
.loans-grid-single {
    max-width: 900px;
    margin: 0 auto;
}

.loan-card-featured {
    background: var(--bg-white);
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
    transition: var(--transition);
}

.loan-card-featured:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-2xl);
}

.loan-card-featured .loan-image {
    height: 300px;
}

.loan-card-featured .loan-content {
    padding: 40px;
}

/* ===== Membership Tiers Styling ===== */
.membership-tiers {
    background: var(--bg-light);
    border-radius: var(--radius-xl);
    padding: 30px;
    margin: 30px 0;
}

.membership-tiers h4 {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 24px;
    color: var(--secondary);
}

.tier-item {
    background: white;
    border-radius: var(--radius-lg);
    padding: 24px;
    margin-bottom: 20px;
    border: 2px solid var(--border-color);
    transition: var(--transition);
}

.tier-item:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-md);
}

.tier-item:last-child {
    margin-bottom: 0;
}

.tier-badge {
    display: inline-block;
    padding: 8px 20px;
    border-radius: var(--radius-full);
    font-weight: 700;
    font-size: 0.875rem;
    margin-bottom: 16px;
}

.tier-badge.regular {
    background: linear-gradient(135deg, #64748b 0%, #94a3b8 100%);
    color: white;
}

.tier-badge.gold {
    background: linear-gradient(135deg, #f59e0b 0%, #fbbf24 100%);
    color: white;
}

.tier-details {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.tier-info {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.tier-label {
    font-size: 0.875rem;
    color: var(--text-light);
}

.tier-info strong {
    font-size: 1.5rem;
    color: var(--primary);
    font-weight: 700;
}

.discount {
    font-size: 0.75rem;
    color: var(--success);
    font-weight: 600;
    margin-left: 8px;
}

/* ===== Loan Features Tags ===== */
.loan-features {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
    margin: 24px 0;
}

.feature-tag {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 16px;
    background: rgba(76, 175, 80, 0.1);
    border-radius: var(--radius-md);
    font-size: 0.875rem;
    color: var(--text-primary);
}

.feature-tag i {
    color: var(--success);
}

/* ===== Calculator Updates ===== */
.calc-select {
    width: 100%;
    padding: 14px 20px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-lg);
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-primary);
    background: white;
    cursor: pointer;
    transition: var(--transition);
}

.calc-select:hover,
.calc-select:focus {
    border-color: var(--primary);
    outline: none;
}

.calc-info {
    background: var(--bg-light);
    border-radius: var(--radius-lg);
    padding: 20px;
    margin: 20px 0;
}

.info-row {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid var(--border-color);
}

.info-row:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.info-row i {
    font-size: 1.25rem;
    color: var(--primary);
}

.info-row span {
    font-size: 0.9375rem;
    color: var(--text-secondary);
}

.calc-result {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin: 24px 0;
}

/* ===== Responsive Updates ===== */
@media (max-width: 768px) {
    .tier-details {
        grid-template-columns: 1fr;
    }

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

    .calc-result {
        grid-template-columns: 1fr;
    }

    .loan-card-featured .loan-content {
        padding: 24px;
    }

    .membership-tiers {
        padding: 20px;
    }
}