/* ===== SJ Finance — Main Stylesheet ===== */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@700;800&display=swap');

:root {
  --primary: #0a2463;       /* Navy Blue */
  --primary-dark: #061840;
  --primary-light: #1a3a7c;
  --gold: #c9a84c;          /* Gold */
  --gold-dark: #a88a35;
  --gold-light: #e8c76d;
  --white: #ffffff;
  --light: #f5f7fc;
  --light-gray: #eef0f7;
  --gray: #8a95a3;
  --dark: #1a1e2d;
  --text: #2d3748;
  --shadow: 0 4px 24px rgba(10, 36, 99, 0.10);
  --shadow-lg: 0 8px 48px rgba(10, 36, 99, 0.16);
  --radius: 12px;
  --radius-sm: 6px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ===== COOKIE BAR ===== */
.cookie-bar {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.85);
  text-align: center;
  padding: 10px 20px;
  font-size: 13px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 12px;
  position: relative;
  z-index: 1000;
}
.cookie-bar a { color: var(--gold); text-decoration: underline; }
.cookie-bar button {
  background: var(--gold);
  color: var(--primary-dark);
  border: none;
  padding: 4px 14px;
  border-radius: 20px;
  cursor: pointer;
  font-size: 12px;
  font-weight: 600;
}

/* ===== TOP BAR ===== */
.top-bar {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.8);
  font-size: 13px;
  padding: 8px 0;
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.top-bar a { color: rgba(255,255,255,0.8); }
.top-bar a:hover { color: var(--gold); }
.top-bar .top-links { display: flex; gap: 24px; align-items: center; }
.top-bar .top-links i { color: var(--gold); margin-right: 5px; }

/* ===== NAVBAR ===== */
.navbar {
  background: var(--white);
  box-shadow: 0 2px 16px rgba(10,36,99,0.08);
  position: sticky;
  top: 0;
  z-index: 999;
  transition: var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 4px 24px rgba(10,36,99,0.15);
}
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.navbar-brand {
  display: flex;
  flex-direction: column;
  text-decoration: none;
}
.brand-name {
  font-size: 24px;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.5px;
  font-family: 'Playfair Display', serif;
}
.brand-tagline {
  font-size: 10px;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  color: var(--text);
  font-weight: 500;
  font-size: 14.5px;
  transition: var(--transition);
  position: relative;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--primary);
  background: var(--light);
}
.dropdown {
  position: relative;
}
.dropdown > a::after {
  content: ' ▾';
  font-size: 10px;
}
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 10px 0;
  min-width: 220px;
  border-top: 3px solid var(--gold);
  z-index: 100;
}
.dropdown-menu a {
  display: block;
  padding: 10px 20px;
  color: var(--text);
  font-size: 14px;
  border-radius: 0;
  transition: var(--transition);
}
.dropdown-menu a:hover {
  background: var(--light);
  color: var(--primary);
  padding-left: 26px;
}
.dropdown:hover .dropdown-menu { display: block; }
.nav-cta {
  background: var(--gold) !important;
  color: var(--primary-dark) !important;
  font-weight: 700 !important;
  border-radius: 6px !important;
  padding: 10px 22px !important;
  margin-left: 8px;
  letter-spacing: 0.3px;
  transition: var(--transition);
}
.nav-cta:hover {
  background: var(--gold-dark) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(201,168,76,0.4);
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 26px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===== CONTAINER ===== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== HERO SECTION ===== */
.hero {
  position: relative;
  min-height: 90vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(135deg, #0a2463 0%, #1a3a7c 60%, #0a2463 100%);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('../images/hero-banner.png');
  background-size: cover;
  background-position: center right;
  opacity: 0.25;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(6,24,64,0.95) 0%, rgba(6,24,64,0.7) 50%, rgba(6,24,64,0.3) 100%);
}
.hero .container {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding-top: 60px;
  padding-bottom: 60px;
}
.hero-content { max-width: 580px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.4);
  color: var(--gold);
  padding: 6px 16px;
  border-radius: 30px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 24px;
  letter-spacing: 0.5px;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(36px, 5vw, 60px);
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero h1 span { color: var(--gold); }
.hero p {
  color: rgba(255,255,255,0.82);
  font-size: 17px;
  line-height: 1.8;
  margin-bottom: 36px;
}
.hero-btns {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  transition: var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
  text-decoration: none;
}
.btn-gold {
  background: var(--gold);
  color: var(--primary-dark);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(201,168,76,0.45);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
  transform: translateY(-2px);
}
.btn-primary {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}
.btn-primary:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(10,36,99,0.4);
}
.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.stat-item .number {
  font-size: 30px;
  font-weight: 800;
  color: var(--gold);
  font-family: 'Playfair Display', serif;
}
.stat-item .label {
  font-size: 13px;
  color: rgba(255,255,255,0.7);
}
.hero-image-card {
  position: relative;
}
.hero-img-wrap {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0,0,0,0.4);
  border: 3px solid rgba(201,168,76,0.3);
}
.hero-img-wrap img {
  width: 100%;
  height: 460px;
  object-fit: cover;
}
.hero-rate-badge {
  position: absolute;
  bottom: -20px;
  left: -20px;
  background: var(--white);
  border-radius: 14px;
  padding: 14px 20px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero-rate-badge .icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, #0a2463, #1a3a7c);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
}
.hero-rate-badge .rate-text .rate { font-size: 22px; font-weight: 800; color: var(--primary); }
.hero-rate-badge .rate-text small { font-size: 12px; color: var(--gray); display: block; }

/* ===== SECTION COMMON ===== */
section { padding: 80px 0; }
.section-label {
  display: inline-block;
  background: rgba(201,168,76,0.12);
  color: var(--gold-dark);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.section-header { text-align: center; margin-bottom: 60px; }
.section-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 4vw, 42px);
  color: var(--primary);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-header p {
  color: var(--gray);
  font-size: 16px;
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.8;
}
.divider {
  width: 60px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
  margin: 16px auto 0;
}

/* ===== SERVICES SECTION ===== */
.services-section { background: var(--light); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  transition: var(--transition);
  border: 1px solid transparent;
  position: relative;
  overflow: hidden;
}
.service-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--gold));
  transform: scaleX(0);
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201,168,76,0.2);
}
.service-card:hover::after { transform: scaleX(1); }
.service-icon {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  margin-bottom: 20px;
  transition: var(--transition);
}
.service-card:hover .service-icon {
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
}
.service-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}
.service-card p {
  font-size: 14.5px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 20px;
}
.service-link {
  color: var(--primary);
  font-weight: 600;
  font-size: 14px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.service-link:hover { color: var(--gold-dark); gap: 10px; }

/* ===== WHY US ===== */
.why-section { background: var(--white); }
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.features-list { display: grid; gap: 20px; }
.feature-item {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 22px;
  background: var(--light);
  border-radius: var(--radius);
  transition: var(--transition);
  border-left: 4px solid transparent;
}
.feature-item:hover {
  border-left-color: var(--gold);
  background: white;
  box-shadow: var(--shadow);
}
.feature-icon {
  width: 50px;
  height: 50px;
  min-width: 50px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
}
.feature-text h4 { font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.feature-text p { font-size: 14px; color: var(--gray); line-height: 1.6; }
.why-image {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.why-image img { width: 100%; height: 480px; object-fit: cover; }
.why-image-badge {
  position: absolute;
  bottom: 24px;
  right: 24px;
  background: var(--gold);
  color: var(--primary-dark);
  padding: 12px 20px;
  border-radius: 10px;
  font-weight: 800;
  font-size: 18px;
  text-align: center;
  line-height: 1.3;
  box-shadow: 0 4px 20px rgba(201,168,76,0.5);
}

/* ===== HOW IT WORKS ===== */
.how-section { background: var(--primary); }
.how-section .section-header h2 { color: var(--white); }
.how-section .section-header p { color: rgba(255,255,255,0.7); }
.how-section .section-label { background: rgba(201,168,76,0.2); color: var(--gold); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: linear-gradient(90deg, rgba(201,168,76,0.3), rgba(201,168,76,0.6), rgba(201,168,76,0.3));
}
.step-card {
  text-align: center;
  padding: 40px 24px 32px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  transition: var(--transition);
  position: relative;
}
.step-card:hover {
  background: rgba(255,255,255,0.1);
  transform: translateY(-4px);
}
.step-num {
  width: 72px;
  height: 72px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  font-weight: 800;
  color: var(--primary-dark);
  margin: 0 auto 20px;
  position: relative;
  font-family: 'Playfair Display', serif;
}
.step-icon {
  font-size: 28px;
  margin-bottom: 12px;
}
.step-card h4 { font-size: 17px; font-weight: 700; color: var(--white); margin-bottom: 8px; }
.step-card p { font-size: 14px; color: rgba(255,255,255,0.65); line-height: 1.6; }

/* ===== TESTIMONIALS ===== */
.testimonials-section { background: var(--light); }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow);
  position: relative;
  transition: var(--transition);
  border: 1px solid transparent;
}
.testimonial-card:hover {
  border-color: rgba(201,168,76,0.2);
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.quote-mark {
  font-size: 60px;
  color: var(--gold);
  font-family: 'Playfair Display', serif;
  line-height: 0.5;
  margin-bottom: 16px;
  opacity: 0.4;
}
.testimonial-card p {
  font-size: 14.5px;
  color: var(--text);
  line-height: 1.8;
  font-style: italic;
  margin-bottom: 24px;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px solid var(--light-gray);
  padding-top: 18px;
}
.author-avatar {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 16px;
}
.author-info strong { display: block; font-size: 15px; color: var(--primary); font-weight: 700; }
.author-info span { font-size: 12.5px; color: var(--gray); }
.stars { color: var(--gold); font-size: 13px; margin-bottom: 14px; }

/* ===== CONTACT FORM SECTION ===== */
.contact-form-section { background: var(--white); }
.contact-form-inner {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 60px;
  align-items: start;
}
.contact-info-side h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(24px, 3vw, 36px);
  color: var(--primary);
  line-height: 1.2;
  margin-bottom: 16px;
}
.contact-info-side p {
  color: var(--gray);
  font-size: 15.5px;
  line-height: 1.8;
  margin-bottom: 32px;
}
.contact-details { display: flex; flex-direction: column; gap: 18px; }
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 16px 20px;
  background: var(--light);
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
}
.contact-detail-icon {
  width: 40px;
  height: 40px;
  min-width: 40px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
}
.contact-detail-text strong { display: block; font-size: 13px; color: var(--gray); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.contact-detail-text a, .contact-detail-text span { color: var(--primary); font-weight: 600; font-size: 15px; }

/* ===== FORM STYLES ===== */
.enquiry-form-card {
  background: var(--white);
  border-radius: 16px;
  padding: 44px 40px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--light-gray);
}
.enquiry-form-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 26px;
  color: var(--primary);
  margin-bottom: 6px;
}
.enquiry-form-card .form-subtitle {
  color: var(--gray);
  font-size: 14.5px;
  margin-bottom: 28px;
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--text);
}
.form-group label span.req { color: var(--gold-dark); }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 16px;
  border: 1.5px solid #d9dfe8;
  border-radius: 8px;
  font-size: 14.5px;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: #fafbff;
  transition: var(--transition);
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238a95a3' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(10,36,99,0.06);
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 20px 0 24px;
  font-size: 13px;
  color: var(--gray);
  line-height: 1.6;
}
.form-checkbox input {
  width: 16px;
  height: 16px;
  min-width: 16px;
  accent-color: var(--primary);
  margin-top: 2px;
  cursor: pointer;
}
.form-checkbox a { color: var(--primary); font-weight: 600; text-decoration: underline; }
.btn-submit {
  width: 100%;
  padding: 16px;
  background: var(--gold);
  color: var(--primary-dark);
  border: none;
  border-radius: 8px;
  font-size: 15px;
  font-weight: 700;
  font-family: 'Inter', sans-serif;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}
.btn-submit:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(201,168,76,0.45);
}
.form-success {
  display: none;
  text-align: center;
  padding: 32px;
  background: #f0fdf4;
  border-radius: var(--radius);
  border: 1px solid #bbf7d0;
}
.form-success .success-icon { font-size: 48px; margin-bottom: 12px; }
.form-success h4 { color: #15803d; font-size: 20px; font-weight: 700; margin-bottom: 6px; }
.form-success p { color: #166534; font-size: 14px; }

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, var(--primary-light) 100%);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 70% 50%, rgba(201,168,76,0.12) 0%, transparent 60%);
}
.cta-section h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 4vw, 44px);
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
}
.cta-section p {
  color: rgba(255,255,255,0.78);
  font-size: 17px;
  margin-bottom: 36px;
  position: relative;
}
.cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; position: relative; }

/* ===== FOOTER ===== */
footer {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.75);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 40px;
  padding-bottom: 48px;
}
.footer-brand .brand-name { color: var(--white); font-size: 28px; margin-bottom: 4px; }
.footer-brand .brand-tagline { color: var(--gold); }
.footer-brand p {
  font-size: 14px;
  line-height: 1.8;
  color: rgba(255,255,255,0.6);
  margin-top: 16px;
  max-width: 280px;
}
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.social-btn {
  width: 38px;
  height: 38px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 16px;
  transition: var(--transition);
}
.social-btn:hover { background: var(--gold); color: var(--primary-dark); }
footer h4 {
  color: var(--white);
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 20px;
  padding-bottom: 10px;
  border-bottom: 2px solid rgba(201,168,76,0.3);
}
footer ul li { margin-bottom: 10px; }
footer ul a {
  color: rgba(255,255,255,0.62);
  font-size: 14px;
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
footer ul a::before { content: '›'; color: var(--gold); font-size: 16px; }
footer ul a:hover { color: var(--gold); padding-left: 4px; }
.footer-contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  margin-bottom: 14px;
}
.footer-contact-list i { color: var(--gold); font-size: 15px; margin-top: 3px; min-width: 15px; }
.footer-contact-list a { color: rgba(255,255,255,0.65); }
.footer-contact-list a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 22px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 13px;
  color: rgba(255,255,255,0.45);
}
.footer-bottom-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-bottom-links a { color: rgba(255,255,255,0.5); transition: var(--transition); }
.footer-bottom-links a:hover { color: var(--gold); }

/* ===== PAGE BANNER ===== */
.page-banner {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-banner::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 50%, rgba(201,168,76,0.1) 0%, transparent 60%);
}
.page-banner .container { position: relative; z-index: 2; }
.page-banner h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(30px, 4vw, 48px);
  color: var(--white);
  margin-bottom: 12px;
}
.page-banner p { color: rgba(255,255,255,0.75); font-size: 16px; }
.breadcrumb {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 10px;
  margin-top: 16px;
  font-size: 14px;
  color: rgba(255,255,255,0.55);
}
.breadcrumb a { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* ===== ABOUT PAGE ===== */
.about-section { padding: 80px 0; }
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.about-img-wrap {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-img-wrap img { width: 100%; height: 420px; object-fit: cover; }
.about-text .section-label { margin-bottom: 10px; }
.about-text h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(26px, 3.5vw, 38px);
  color: var(--primary);
  line-height: 1.2;
  margin-bottom: 18px;
}
.about-text p { font-size: 15.5px; color: var(--gray); line-height: 1.85; margin-bottom: 20px; }
.values-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 48px;
}
.value-item {
  padding: 24px;
  background: var(--light);
  border-radius: var(--radius);
  border-left: 4px solid var(--gold);
  transition: var(--transition);
}
.value-item:hover { background: var(--white); box-shadow: var(--shadow); }
.value-icon { font-size: 28px; margin-bottom: 10px; }
.value-item h4 { font-size: 16px; font-weight: 700; color: var(--primary); margin-bottom: 6px; }
.value-item p { font-size: 13.5px; color: var(--gray); line-height: 1.6; }

/* ===== SERVICE PAGE ===== */
.service-detail { padding: 80px 0; }
.service-detail-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 48px;
}
.service-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: 32px;
  color: var(--primary);
  margin-bottom: 16px;
}
.service-content p { color: var(--gray); font-size: 15.5px; line-height: 1.85; margin-bottom: 20px; }
.service-content h3 { font-size: 20px; font-weight: 700; color: var(--primary); margin: 32px 0 16px; }
.eligibility-list, .docs-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}
.eligibility-list li, .docs-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14.5px;
  color: var(--text);
  padding: 10px 16px;
  background: var(--light);
  border-radius: 8px;
}
.eligibility-list li::before, .docs-list li::before {
  content: '✓';
  color: var(--gold-dark);
  font-weight: 700;
  min-width: 16px;
}
.loan-highlights {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 28px 0;
}
.highlight-item {
  padding: 18px;
  background: var(--light);
  border-radius: var(--radius-sm);
  text-align: center;
  border: 1px solid var(--light-gray);
}
.highlight-item .h-value { font-size: 22px; font-weight: 800; color: var(--primary); font-family: 'Playfair Display', serif; }
.highlight-item .h-label { font-size: 12px; color: var(--gray); margin-top: 4px; }
.sidebar-card {
  background: var(--primary);
  border-radius: var(--radius);
  padding: 32px;
  color: var(--white);
  position: sticky;
  top: 88px;
}
.sidebar-card h3 { font-size: 20px; font-weight: 700; margin-bottom: 8px; }
.sidebar-card p { font-size: 14px; color: rgba(255,255,255,0.75); margin-bottom: 24px; line-height: 1.7; }
.sidebar-form input, .sidebar-form select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  color: var(--white);
  font-size: 14px;
  margin-bottom: 12px;
  outline: none;
  font-family: 'Inter', sans-serif;
  transition: var(--transition);
  appearance: none;
}
.sidebar-form input::placeholder { color: rgba(255,255,255,0.5); }
.sidebar-form input:focus, .sidebar-form select:focus {
  border-color: var(--gold);
  background: rgba(255,255,255,0.12);
}
.sidebar-form select option { background: var(--primary); }
.service-links-card {
  background: var(--light);
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 24px;
}
.service-links-card h4 { font-size: 15px; font-weight: 700; color: var(--primary); margin-bottom: 14px; }
.service-links-card a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 14px;
  color: var(--text);
  font-size: 14px;
  border-radius: 6px;
  transition: var(--transition);
  margin-bottom: 4px;
}
.service-links-card a:hover { background: var(--white); color: var(--primary); font-weight: 500; }
.service-links-card a.active-link { background: var(--primary); color: var(--white); font-weight: 600; }

/* ===== APPLY PAGE ===== */
.apply-section { padding: 80px 0; }
.apply-form-container {
  max-width: 800px;
  margin: 0 auto;
  background: var(--white);
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  padding: 56px 56px;
  border: 1px solid var(--light-gray);
}
.apply-form-container h2 {
  font-family: 'Playfair Display', serif;
  font-size: 32px;
  color: var(--primary);
  margin-bottom: 8px;
}
.apply-form-container p { color: var(--gray); font-size: 15px; margin-bottom: 36px; }

/* ===== CONTACT PAGE ===== */
.contact-page-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}
.contact-map-card {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  margin-top: 28px;
  background: var(--light);
  height: 240px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--light-gray);
}
.map-placeholder {
  text-align: center;
  color: var(--gray);
}
.map-placeholder .map-icon { font-size: 40px; margin-bottom: 8px; }
.map-placeholder p { font-size: 14px; }

/* ===== POLICY PAGES ===== */
.policy-content { padding: 64px 0; }
.policy-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: 28px;
  color: var(--primary);
  margin-bottom: 16px;
  margin-top: 32px;
}
.policy-content p { color: var(--text); font-size: 15px; line-height: 1.85; margin-bottom: 16px; }
.policy-content ul { padding-left: 20px; margin-bottom: 16px; }
.policy-content ul li { color: var(--text); font-size: 15px; line-height: 1.8; margin-bottom: 8px; list-style: disc; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .contact-form-inner { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .why-image { display: none; }
  .hero .container { grid-template-columns: 1fr; }
  .hero-image-card { display: none; }
  .service-detail-grid { grid-template-columns: 1fr; }
  .contact-page-grid { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  section { padding: 60px 0; }
  .top-bar { display: none; }
  .nav-links {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    box-shadow: var(--shadow-lg);
    padding: 16px;
    align-items: flex-start;
    gap: 4px;
    border-top: 2px solid var(--gold);
  }
  .nav-links.open { display: flex; }
  .nav-links .dropdown-menu { position: static; box-shadow: none; border: none; background: var(--light); width: 100%; border-radius: 8px; }
  .hamburger { display: flex; }
  .navbar .container { position: relative; }
  .services-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; flex-wrap: wrap; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .enquiry-form-card { padding: 28px 20px; }
  .apply-form-container { padding: 30px 20px; }
  .loan-highlights { grid-template-columns: 1fr 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .values-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .steps-grid { grid-template-columns: 1fr; }
  .hero-btns { flex-direction: column; }
  .btn { width: 100%; justify-content: center; }
}