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

    :root {
      --green:   #0d6e3f;
      --green2:  #59fdae;
      --gold:    #e8a320;
      --gold2:   #f5c842;
      --dark:    #0a1a12;
      --mid:     #14301f;
      --card:    #112219;
      --text:    #d8f0e2;
      --muted:   #7aaa8e;
      --white:   #f0faf5;
      --danger:  #e84040;
      --radius:  14px;
      --shadow:  0 8px 40px rgba(0,0,0,.5);
    }

    html { scroll-behavior: smooth; }

    body {
      font-family: 'DM Sans', sans-serif;
      background: var(--dark);
      color: var(--text);
      overflow-x: hidden;
    }

    /* ─── NOISE TEXTURE OVERLAY ──────────────────────────── */
    body::before {
      content: '';
      position: fixed; inset: 0; z-index: 0;

      background-size: 200px;
      pointer-events: none;
    }

    /* ─── NAVBAR ─────────────────────────────────────────── */
    nav {
      position: sticky; top: 0; z-index: 100;
      display: flex; align-items: center; justify-content: space-between;
      padding: 0 clamp(1rem, 4vw, 3rem);
      height: 68px;
      background: rgba(10,26,18,.85);
      backdrop-filter: blur(18px);
      border-bottom: 1px solid rgba(18,160,92,.15);
    }

    .nav-logo {
      font-family: 'Playfair Display', serif;
      font-size: 1.6rem; font-weight: 900;
      color: var(--gold);
      letter-spacing: -1px;
    }
    .nav-logo span { color: var(--green2); }

    .nav-links {
      display: flex; gap: 2rem; list-style: none;
    }
    .nav-links a {
      color: var(--muted); text-decoration: none;
      font-size: .9rem; font-weight: 500; letter-spacing: .03em;
      transition: color .2s;
    }
    .nav-links a:hover { color: var(--white); }

    .nav-cta {
      background: var(--gold);
      color: var(--dark) !important;
      padding: .45rem 1.2rem;
      border-radius: 50px;
      font-weight: 600 !important;
      font-size: .875rem !important;
      transition: background .2s, transform .15s !important;
    }
    .nav-cta:hover { background: var(--gold2) !important; transform: scale(1.04); }

    .hamburger { display: none; background: none; border: none; cursor: pointer; }
    .hamburger span {
      display: block; width: 24px; height: 2px;
      background: var(--text); margin: 5px 0;
      transition: .3s;
    }

    
    .hero {
      position: relative; z-index: 1;
      min-height: 92vh;
      display: grid; place-items: center;
      text-align: center;
      padding: 5rem clamp(1rem, 5vw, 3rem) 3rem;
      overflow: hidden;
    }

    /* decorative circles */
    .hero::after {
      content: '';
      position: absolute; top: -120px; right: -120px;
      width: 600px; height: 600px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(18,160,92,.18) 0%, transparent 70%);
      pointer-events: none;
    }
    .hero::before {
      content: '';
      position: absolute; bottom: -80px; left: -80px;
      width: 400px; height: 400px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(232,163,32,.12) 0%, transparent 70%);
      pointer-events: none;
    }

    .hero-eyebrow {
      display: inline-block;
      font-size: .75rem; letter-spacing: .2em; text-transform: uppercase;
      color: var(--gold); font-weight: 600;
      border: 1px solid rgba(232,163,32,.35);
      padding: .35rem 1rem; border-radius: 50px;
      margin-bottom: 1.6rem;
      animation: fadeUp .6s ease both;
    }

    .hero h1 {
      font-family: 'Playfair Display', serif;
      font-size: clamp(2.8rem, 7vw, 5.5rem);
      font-weight: 900; line-height: 1.05;
      color: var(--white);
      max-width: 820px; margin: 0 auto 1.5rem;
      animation: fadeUp .7s .1s ease both;
    }

    .hero h1 em {
      font-style: normal; color: var(--gold2);
      position: relative;
    }
    .hero h1 em::after {
      content: '';
      position: absolute; left: 0; bottom: 4px;
      width: 100%; height: 3px;
      background: var(--gold2); border-radius: 2px;
    }

    .hero-sub {
      font-size: clamp(1rem, 2vw, 1.2rem);
      color: var(--muted); max-width: 560px;
      margin: 0 auto 2.5rem; line-height: 1.7;
      animation: fadeUp .7s .2s ease both;
    }

    .hero-btns {
      display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap;
      animation: fadeUp .7s .3s ease both;
    }

    .btn {
      display: inline-flex; align-items: center; gap: .5rem;
      padding: .85rem 2rem; border-radius: 50px;
      font-size: .95rem; font-weight: 600; cursor: pointer;
      text-decoration: none; border: none; transition: transform .15s, box-shadow .15s;
    }
    .btn:hover { transform: translateY(-2px); }

    .btn-primary {
      background: var(--gold);
      color: var(--dark);
      box-shadow: 0 4px 24px rgba(232,163,32,.35);
    }
    .btn-primary:hover { background: var(--gold2); box-shadow: 0 6px 32px rgba(232,163,32,.5); }

    .btn-outline {
      background: transparent;
      color: var(--text);
      border: 1.5px solid rgba(216,240,226,.3);
    }
    .btn-outline:hover { border-color: var(--text); background: rgba(255,255,255,.05); }

    /* stats strip */
    .stats {
      display: flex; justify-content: center; gap: clamp(2rem, 5vw, 5rem);
      flex-wrap: wrap;
      margin-top: 4rem; padding-top: 2.5rem;
      border-top: 1px solid rgba(255,255,255,.07);
      animation: fadeUp .7s .5s ease both;
    }
    .stat-item { text-align: center; }
    .stat-item .num {
      font-family: 'Playfair Display', serif;
      font-size: 2rem; font-weight: 700;
      color: var(--gold2);
    }
    .stat-item .lbl { font-size: .8rem; color: var(--muted); margin-top: .2rem; }

    /* ─── SECTION WRAPPER ────────────────────────────────── */
    .section {
      position: relative; z-index: 1;
      padding: 5rem clamp(1rem, 5vw, 4rem);
      max-width: 1180px; margin: 0 auto;
    }

    .section-label {
      font-size: .72rem; letter-spacing: .18em; text-transform: uppercase;
      color: var(--gold); font-weight: 600; margin-bottom: .8rem;
    }

    .section-title {
      font-family: 'Playfair Display', serif;
      font-size: clamp(1.8rem, 3.5vw, 2.8rem);
      font-weight: 700; color: var(--white);
      line-height: 1.15; margin-bottom: 1rem;
    }

    .section-sub {
      color: var(--muted); max-width: 540px;
      line-height: 1.7; margin-bottom: 3rem;
    }

    /* ─── DIVIDER ────────────────────────────────────────── */
    .divider {
      border: none; height: 1px;
      background: linear-gradient(90deg, transparent, rgba(255,255,255,.08), transparent);
      margin: 0;
    }

    /* ─── HOW IT WORKS ───────────────────────────────────── */
    .steps-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
      gap: 1.5rem;
    }

    .step-card {
      background: var(--card);
      border: 1px solid rgba(18,160,92,.15);
      border-radius: var(--radius);
      padding: 2rem 1.6rem;
      position: relative;
      overflow: hidden;
      transition: border-color .25s, transform .25s;
    }
    .step-card:hover { border-color: var(--green2); transform: translateY(-4px); }

    .step-card::before {
      content: attr(data-step);
      position: absolute; top: 1rem; right: 1.2rem;
      font-family: 'Playfair Display', serif;
      font-size: 4.5rem; font-weight: 900;
      color: rgba(18,160,92,.07); line-height: 1;
    }

    .step-icon {
      width: 46px; height: 46px; border-radius: 12px;
      background: rgba(18,160,92,.15);
      display: grid; place-items: center;
      font-size: 1.4rem; margin-bottom: 1.2rem;
    }

    .step-card h3 {
      font-size: 1.05rem; font-weight: 600;
      color: var(--white); margin-bottom: .5rem;
    }
    .step-card p { font-size: .88rem; color: var(--muted); line-height: 1.6; }

    /* ─── LOAN CALCULATOR ────────────────────────────────── */
    .calc-wrap {
      background: var(--card);
      border: 1px solid rgba(18,160,92,.2);
      border-radius: 20px;
      padding: clamp(1.5rem, 4vw, 3rem);
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 3rem;
      box-shadow: var(--shadow);
    }

    @media (max-width: 700px) {
      .calc-wrap { grid-template-columns: 1fr; gap: 2rem; }
    }

    .calc-side h2 {
      font-family: 'Playfair Display', serif;
      font-size: 1.6rem; color: var(--white);
      margin-bottom: 1.5rem;
    }

    .field { margin-bottom: 1.4rem; }
    .field label {
      display: flex; justify-content: space-between;
      font-size: .82rem; color: var(--muted);
      margin-bottom: .5rem; font-weight: 500;
    }
    .field label span { color: var(--gold2); font-weight: 600; }

    input[type=range] {
      width: 100%; height: 5px;
      background: rgba(255,255,255,.1); border-radius: 3px; outline: none;
    }
    input[type=range]::-webkit-slider-thumb {
      -webkit-appearance: none;
      width: 20px; height: 20px; border-radius: 50%;
      background: var(--gold);
      border: 3px solid var(--dark);
      cursor: pointer;
      box-shadow: 0 0 0 3px rgba(232,163,32,.25);
      transition: box-shadow .2s;
    }
    input[type=range]:hover::-webkit-slider-thumb {
      box-shadow: 0 0 0 6px rgba(232,163,32,.2);
    }
    input[type=range]::-webkit-slider-runnable-track {
      background: linear-gradient(to right, var(--green2) var(--pct, 50%), rgba(255,255,255,.1) var(--pct, 50%));
      border-radius: 3px; height: 5px;
    }

    select {
      width: 100%; padding: .65rem 1rem;
      background: rgba(255,255,255,.05);
      border: 1px solid rgba(255,255,255,.1);
      border-radius: 8px; color: var(--text);
      font-family: 'DM Sans', sans-serif;
      font-size: .9rem; outline: none; cursor: pointer;
    }
    select:focus { border-color: var(--green2); }

    /* result panel */
    .calc-result {
      background: linear-gradient(135deg, rgba(13,110,63,.3), rgba(18,160,92,.1));
      border: 1px solid rgba(18,160,92,.3);
      border-radius: var(--radius);
      padding: 1.8rem;
    }

    .result-row {
      display: flex; justify-content: space-between; align-items: center;
      padding: .7rem 0;
      border-bottom: 1px solid rgba(255,255,255,.06);
    }
    .result-row:last-child { border: none; }
    .result-row .lbl { font-size: .85rem; color: var(--muted); }
    .result-row .val { font-weight: 600; color: var(--white); }

    .result-highlight {
      text-align: center; padding: 1.4rem 0;
    }
    .result-highlight .amount {
      font-family: 'Playfair Display', serif;
      font-size: 2.6rem; font-weight: 900; color: var(--gold2);
    }
    .result-highlight .sub { font-size: .8rem; color: var(--muted); margin-top: .3rem; }

    .btn-block {
      display: block; width: 100%; text-align: center;
      margin-top: 1.5rem;
    }

    /* ─── LOAN TYPES ─────────────────────────────────────── */
    .loans-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
      gap: 1.4rem;
    }

    .loan-card {
      background: var(--card);
      border: 1px solid rgba(255,255,255,.07);
      border-radius: var(--radius);
      padding: 1.8rem;
      cursor: pointer;
      transition: border-color .2s, transform .2s, box-shadow .2s;
      position: relative; overflow: hidden;
    }
    .loan-card:hover {
      border-color: var(--green2);
      transform: translateY(-5px);
      box-shadow: 0 16px 48px rgba(0,0,0,.4);
    }
    .loan-card.popular::after {
      content: 'Popular';
      position: absolute; top: 1rem; right: 1rem;
      background: var(--gold); color: var(--dark);
      font-size: .68rem; font-weight: 700;
      padding: .25rem .7rem; border-radius: 50px;
      letter-spacing: .05em; text-transform: uppercase;
    }

    .loan-card .icon {
      font-size: 2rem; margin-bottom: .9rem;
    }
    .loan-card h3 {
      font-size: 1.1rem; font-weight: 600;
      color: var(--white); margin-bottom: .4rem;
    }
    .loan-card p { font-size: .85rem; color: var(--muted); line-height: 1.6; margin-bottom: 1rem; }

    .loan-meta {
      display: flex; gap: 1.2rem;
    }
    .loan-meta span {
      font-size: .78rem; color: var(--muted);
    }
    .loan-meta strong { display: block; color: var(--gold2); font-size: .95rem; }

    /* ─── APPLICATION FORM ───────────────────────────────── */
    .form-wrap {
      background: var(--card);
      border: 1px solid rgba(18,160,92,.2);
      border-radius: 20px;
      padding: clamp(1.5rem, 4vw, 3rem);
      max-width: 700px; margin: 0 auto;
      box-shadow: var(--shadow);
    }

    .form-title {
      font-family: 'Playfair Display', serif;
      font-size: 1.7rem; color: var(--blue);
      margin-bottom: .5rem;
    }
    .form-sub { font-size: .875rem; color: var(--muted); margin-bottom: 2rem; }

    .form-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 1rem;
    }
    @media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } }

    .form-group { display: flex; flex-direction: column; gap: .4rem; }
    .form-group.full { grid-column: 1 / -1; }

    .form-group label {
      font-size: .8rem; color: var(--muted); font-weight: 500;
    }

    .form-group input,
    .form-group select,
    .form-group textarea {
      padding: .7rem 1rem;
      background: rgba(255,255,255,.04);
      border: 1px solid rgba(255,255,255,.1);
      border-radius: 9px;
      color: var(--text);
      font-family: 'DM Sans', sans-serif;
      font-size: .9rem; outline: none;
      transition: border-color .2s, background .2s;
    }
    .form-group input:focus,
    .form-group select:focus,
    .form-group textarea:focus {
      border-color: var(--green2);
      background: rgba(73, 187, 132, 0.06);
    }
    .form-group textarea { resize: vertical; min-height: 80px; }

    .form-group input::placeholder { color: rgba(146, 173, 160, 0.4); }

    /* progress bar */
    .progress-bar {
      display: flex; gap: .5rem; margin-bottom: 2rem;
    }
    .progress-step {
      flex: 1; height: 4px; border-radius: 2px;
      background: rgba(255,255,255,.1); transition: background .4s;
    }
    .progress-step.done { background: var(--green2); }
    .progress-step.active { background: var(--gold); }

    .form-nav {
      display: flex; justify-content: space-between; margin-top: 1.8rem;
    }

    /* ─── TOAST ──────────────────────────────────────────── */
    #toast {
      position: fixed; bottom: 2rem; right: 2rem; z-index: 9999;
      background: var(--green2); color:#554040;
      padding: 1rem 1.6rem; border-radius: 12px;
      font-size: .9rem; font-weight: 500;
      transform: translateY(100px); opacity: 0;
      transition: all .4s cubic-bezier(.34,1.56,.64,1);
      box-shadow: 0 8px 32px rgba(0,0,0,.4);
      pointer-events: none;
    }
    #toast.show { transform: translateY(0); opacity: 1; }
    #toast.error { background: var(--danger); }

    /* ─── FAQ ────────────────────────────────────────────── */
    .faq-list { display: flex; flex-direction: column; gap: .8rem; max-width: 720px; }

    .faq-item {
      background: var(--card);
      border: 1px solid rgba(255,255,255,.08);
      border-radius: var(--radius);
      overflow: hidden;
    }

    .faq-q {
      width: 100%; background: none; border: none;
      padding: 1.1rem 1.4rem;
      display: flex; justify-content: space-between; align-items: center;
      color: var(--text); font-family: 'DM Sans', sans-serif;
      font-size: .95rem; font-weight: 500; cursor: pointer; text-align: left;
      transition: background .2s;
    }
    .faq-q:hover { background: rgba(255,255,255,.03); }

    .faq-q .chevron {
      width: 20px; height: 20px;
      border: 1.5px solid var(--muted); border-radius: 50%;
      display: grid; place-items: center;
      flex-shrink: 0; margin-left: 1rem;
      transition: transform .3s, border-color .2s;
    }
    .faq-q .chevron::after {
      content: '+'; font-size: .85rem; color: var(--muted); line-height: 1;
    }
    .faq-item.open .faq-q .chevron { transform: rotate(45deg); border-color: var(--green2); }
    .faq-item.open .faq-q .chevron::after { color: var(--green2); }

    .faq-a {
      max-height: 0; overflow: hidden;
      transition: max-height .35s ease, padding .35s;
    }
    .faq-a p {
      padding: 0 1.4rem 1.2rem;
      font-size: .88rem; color: var(--muted); line-height: 1.7;
    }
    .faq-item.open .faq-a { max-height: 300px; }

    /* ─── FOOTER ─────────────────────────────────────────── */
    footer {
      position: relative; z-index: 1;
      background: var(--mid);
      border-top: 1px solid rgba(255,255,255,.06);
      padding: 3rem clamp(1rem, 5vw, 4rem) 1.5rem;
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 2fr 1fr 1fr 1fr;
      gap: 2.5rem; margin-bottom: 2.5rem;
    }

    @media (max-width: 760px) {
      .footer-grid { grid-template-columns: 1fr 1fr; }
    }
    @media (max-width: 480px) {
      .footer-grid { grid-template-columns: 1fr; }
    }

    .footer-brand .nav-logo { font-size: 1.4rem; margin-bottom: .8rem; display: block; }
    .footer-brand p { font-size: .82rem; color: var(--muted); line-height: 1.7; }

    .footer-col h4 {
      font-size: .8rem; letter-spacing: .15em; text-transform: uppercase;
      color: var(--gold); font-weight: 600; margin-bottom: 1rem;
    }
    .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: .55rem; }
    .footer-col a { color: var(--muted); text-decoration: none; font-size: .85rem; transition: color .2s; }
    .footer-col a:hover { color: var(--white); }

    .footer-bottom {
      border-top: 1px solid rgba(255,255,255,.06);
      padding-top: 1.5rem;
      display: flex; justify-content: space-between; align-items: center;
      flex-wrap: wrap; gap: .5rem;
      font-size: .78rem; color: var(--muted);
    }

    /* ─── MODALS ─────────────────────────────────────────── */
    .modal-overlay {
      position: fixed; inset: 0; z-index: 200;
      background: rgba(0,0,0,.7); backdrop-filter: blur(6px);
      display: grid; place-items: center;
      padding: 1rem;
      opacity: 0; pointer-events: none; transition: opacity .3s;
    }
    .modal-overlay.show { opacity: 1; pointer-events: all; }

    .modal {
      background: var(--mid); border: 1px solid rgba(18,160,92,.25);
      border-radius: 20px; padding: 2.5rem;
      max-width: 460px; width: 100%;
      box-shadow: 0 32px 80px rgba(0,0,0,.6);
      transform: scale(.95); transition: transform .3s;
    }
    .modal-overlay.show .modal { transform: scale(1); }

    .modal h2 {
      font-family: 'Playfair Display', serif;
      font-size: 1.6rem; color: var(--white); margin-bottom: .5rem;
    }
    .modal p { font-size: .88rem; color: var(--muted); margin-bottom: 1.8rem; }

    .modal-close {
      float: right; background: none; border: none; cursor: pointer;
      color: var(--muted); font-size: 1.3rem; line-height: 1;
      transition: color .2s;
    }
    .modal-close:hover { color: var(--white); }

    .input-group { margin-bottom: 1rem; }
    .input-group label {
      display: block; font-size: .8rem; color: var(--muted);
      margin-bottom: .4rem; font-weight: 500;
    }
    .input-group input {
      width: 100%; padding: .7rem 1rem;
      background: rgba(255,255,255,.05);
      border: 1px solid rgba(255,255,255,.1);
      border-radius: 9px; color: var(--text);
      font-family: 'DM Sans', sans-serif; font-size: .9rem; outline: none;
      transition: border-color .2s;
    }
    .input-group input:focus { border-color: var(--green2); }

    .modal-footer { font-size: .82rem; color: var(--muted); margin-top: 1rem; text-align: center; }
    .modal-footer a { color: var(--gold2); cursor: pointer; }

    /* ─── ANIMATIONS ─────────────────────────────────────── */
    @keyframes fadeUp {
      from { opacity: 0; transform: translateY(24px); }
      to   { opacity: 1; transform: translateY(0); }
    }

    /* ─── RESPONSIVE NAV ─────────────────────────────────── */
    @media (max-width: 640px) {
      .hamburger { display: block; }
      .nav-links {
        display: none; position: absolute; top: 68px; left: 0; right: 0;
        background: rgba(10,26,18,.97); backdrop-filter: blur(18px);
        flex-direction: column; padding: 1.5rem 2rem;
        border-bottom: 1px solid rgba(18,160,92,.15);
      }
      .nav-links.open { display: flex; }
    }

    /* ─── SCROLLBAR ──────────────────────────────────────── */
    ::-webkit-scrollbar { width: 6px; }
    ::-webkit-scrollbar-track { background: var(--dark); }
    ::-webkit-scrollbar-thumb { background: rgba(18,160,92,.35); border-radius: 3px; }
    ::-webkit-scrollbar-thumb:hover { background: var(--green2); }