:root {
  --navy: #07111f;
  --navy-soft: #0d1c31;
  --ink: #162033;
  --muted: #667085;
  --gold: #c9a54c;
  --gold-dark: #9c7a2d;
  --white: #ffffff;
  --off-white: #f7f5ef;
  --line: rgba(255, 255, 255, 0.14);
  --shadow: 0 24px 70px rgba(7, 17, 31, 0.18);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: var(--off-white);
  color: var(--ink);
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

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

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.section-padding {
  padding: 96px 0;
}

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(7, 17, 31, 0.88);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}

.navbar {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  min-height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand img {
  width: 230px;
  height: auto;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  color: rgba(255, 255, 255, 0.86);
  font-weight: 600;
  font-size: 0.95rem;
}

.nav-links a {
  transition: color 180ms ease, transform 180ms ease;
}

.nav-links a:hover {
  color: var(--gold);
}

.nav-cta {
  color: var(--navy) !important;
  background: var(--gold);
  padding: 12px 18px;
  border-radius: 999px;
  box-shadow: 0 10px 28px rgba(201, 165, 76, 0.25);
}

.nav-cta:hover {
  transform: translateY(-1px);
  background: #d8b85d;
}

.menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid var(--line);
  background: transparent;
  border-radius: 12px;
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 21px;
  height: 2px;
  margin: 5px auto;
  background: var(--white);
}

.hero {
  position: relative;
  min-height: 780px;
  padding-top: 180px;
  display: flex;
  align-items: center;
  color: var(--white);
  background:
    radial-gradient(circle at 20% 18%, rgba(201, 165, 76, 0.22), transparent 28%),
    linear-gradient(135deg, rgba(7, 17, 31, 0.95), rgba(9, 20, 38, 0.84)),
    url("assets/logo.png");
  background-repeat: no-repeat;
  background-size: auto, auto, 780px auto;
  background-position: center, center, right -120px center;
  overflow: hidden;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: linear-gradient(to bottom, black, transparent 85%);
  opacity: 0.35;
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 48px;
  align-items: center;
}

.eyebrow {
  color: var(--gold-dark);
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-weight: 800;
  font-size: 0.78rem;
  margin-bottom: 16px;
}

.hero .eyebrow,
.gold {
  color: var(--gold);
}

h1,
h2,
h3 {
  line-height: 1.1;
}

h1,
h2 {
  font-family: "Playfair Display", Georgia, serif;
}

h1 {
  max-width: 780px;
  font-size: clamp(3rem, 7vw, 5.75rem);
  letter-spacing: -0.04em;
  margin-bottom: 24px;
}

h2 {
  font-size: clamp(2.2rem, 4vw, 4rem);
  letter-spacing: -0.035em;
  margin-bottom: 18px;
}

h3 {
  font-size: 1.25rem;
  margin-bottom: 14px;
}

.hero-copy {
  max-width: 680px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 1.18rem;
  margin-bottom: 34px;
}

.hero-actions,
.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 14px 22px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 800;
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  box-shadow: 0 18px 38px rgba(201, 165, 76, 0.28);
}

.btn-secondary {
  color: var(--white);
  border-color: rgba(255,255,255,0.28);
  background: rgba(255,255,255,0.08);
}

.hero-points {
  margin-top: 26px;
}

.hero-points span {
  padding: 9px 14px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 999px;
  color: rgba(255,255,255,0.78);
  font-size: 0.9rem;
}

.hero-card {
  padding: 34px;
  border-radius: 28px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255,255,255,0.18);
  box-shadow: var(--shadow);
  backdrop-filter: blur(18px);
}

.hero-card p,
.hero-card li {
  color: rgba(255,255,255,0.76);
}

.hero-card ul {
  list-style: none;
  margin-top: 22px;
}

.hero-card li + li {
  margin-top: 12px;
}

.trust-bar {
  background: var(--white);
  border-bottom: 1px solid rgba(7, 17, 31, 0.08);
}

.trust-grid {
  display: grid;
  grid-template-columns: 0.65fr 1.35fr;
  gap: 24px;
  padding: 24px 0;
  color: var(--muted);
}

.trust-grid strong {
  color: var(--ink);
}

.section-heading {
  max-width: 820px;
  margin-bottom: 48px;
}

.section-heading p:not(.eyebrow) {
  color: var(--muted);
  font-size: 1.08rem;
}

.program-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.program-card,
.loan-types,
.process-step,
.scenario-form,
.contact-details {
  border-radius: 26px;
  box-shadow: var(--shadow);
}

.program-card {
  padding: 30px;
  background: var(--white);
  border: 1px solid rgba(7, 17, 31, 0.08);
}

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  color: var(--navy);
  background: linear-gradient(135deg, #ecd991, var(--gold));
  font-weight: 900;
  margin-bottom: 22px;
}

.program-card p,
.about-copy p,
.process-step p,
.scenario-section p,
.contact-section p,
.footer p {
  color: var(--muted);
}

.loan-types {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  padding: 36px;
  margin-top: 26px;
  background: var(--navy);
  color: var(--white);
}

.check-list {
  list-style: none;
  display: grid;
  gap: 12px;
}

.check-list li {
  color: rgba(255,255,255,0.78);
  padding-left: 30px;
  position: relative;
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 900;
}

.dark-section {
  background: var(--navy);
  color: var(--white);
}

.dark-section .section-heading p:not(.eyebrow) {
  color: rgba(255,255,255,0.7);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.process-step {
  padding: 30px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
}

.process-step span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy);
  font-weight: 900;
  margin-bottom: 22px;
}

.process-step p {
  color: rgba(255,255,255,0.72);
}

.about-grid,
.scenario-grid,
.contact-grid,
.footer-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: start;
}

.about-copy p + p {
  margin-top: 18px;
}

.scenario-section {
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  color: var(--white);
}

.scenario-section p {
  color: rgba(255,255,255,0.72);
}

.contact-box {
  margin-top: 28px;
  padding: 24px;
  border-radius: 22px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
}

.scenario-form {
  display: grid;
  gap: 12px;
  padding: 30px;
  background: var(--white);
  color: var(--ink);
}

.scenario-form label {
  font-weight: 800;
  font-size: 0.9rem;
}

.scenario-form input,
.scenario-form select,
.scenario-form textarea {
  width: 100%;
  border: 1px solid rgba(7, 17, 31, 0.14);
  border-radius: 14px;
  padding: 14px 15px;
  font: inherit;
  outline: none;
  transition: border 180ms ease, box-shadow 180ms ease;
}

.scenario-form input:focus,
.scenario-form select:focus,
.scenario-form textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(201,165,76,0.18);
}

.form-button {
  width: 100%;
  border: none;
  margin-top: 8px;
}

.form-note {
  font-size: 0.85rem;
  color: var(--muted) !important;
}

.contact-section {
  background: var(--white);
}

.contact-details {
  padding: 30px;
  background: var(--off-white);
  border: 1px solid rgba(7, 17, 31, 0.08);
  display: grid;
  gap: 14px;
  font-weight: 700;
}

.contact-details a {
  color: var(--gold-dark);
}

.footer {
  background: #050b14;
  color: var(--white);
  padding: 54px 0 0;
}

.footer img {
  width: 260px;
  margin-bottom: 16px;
}

.footer-grid {
  align-items: center;
}

.footer p {
  color: rgba(255,255,255,0.68);
}

.copyright {
  border-top: 1px solid rgba(255,255,255,0.12);
  margin-top: 36px;
  padding: 20px;
  text-align: center;
}

.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 700ms ease, transform 700ms ease;
}

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

@media (max-width: 920px) {
  .menu-toggle {
    display: block;
  }

  .nav-links {
    position: absolute;
    top: 88px;
    left: 16px;
    right: 16px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 18px;
    border-radius: 22px;
    background: rgba(7, 17, 31, 0.98);
    border: 1px solid var(--line);
  }

  .nav-links.open {
    display: flex;
  }

  .nav-links a {
    padding: 14px;
  }

  .nav-cta {
    text-align: center;
    margin-top: 8px;
  }

  .hero {
    padding-top: 150px;
    background-size: auto, auto, 560px auto;
    background-position: center, center, right -240px center;
  }

  .hero-grid,
  .program-grid,
  .process-grid,
  .about-grid,
  .scenario-grid,
  .contact-grid,
  .footer-grid,
  .trust-grid {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 620px) {
  .container {
    width: min(100% - 28px, 1120px);
  }

  .section-padding {
    padding: 72px 0;
  }

  .brand img {
    width: 188px;
  }

  h1 {
    font-size: clamp(2.65rem, 16vw, 4rem);
  }

  .hero-card,
  .program-card,
  .loan-types,
  .process-step,
  .scenario-form,
  .contact-details {
    padding: 24px;
  }
}