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

body{

font-family:'Poppins',sans-serif;

background:#f8f9fb;

color:#1e293b;

line-height:1.7;

overflow-x:hidden;

}

.container{

width:90%;

max-width:1280px;

margin:auto;

}

section{

padding:90px 0;

}

a{

text-decoration:none;

}

img{

max-width:100%;

display:block;

}

/*================ HEADER ================*/

header{

position:sticky;

top:0;

z-index:999;

background:#fff;

box-shadow:0 5px 20px rgba(0,0,0,.05);

}

.nav-container{

display:flex;

justify-content:space-between;

align-items:center;

height:90px;

}

.logo img{

height:70px;

}

nav ul{

display:flex;

gap:45px;

list-style:none;

}

nav a{

font-weight:600;

color:#24364c;

transition:.3s;

}

nav a:hover{

color:#caa23d;

}

.nav-btn{

background:linear-gradient(135deg,#d4af37,#c6971e);

color:#fff;

padding:14px 32px;

border-radius:50px;

font-weight:600;

display:flex;

gap:10px;

align-items:center;

transition:.3s;

}

.nav-btn:hover{

transform:translateY(-3px);

}

/*================ HERO ================*/

.hero{

background:#fff;

padding-top:70px;

padding-bottom:70px;

}

.hero-grid{

display:grid;

grid-template-columns:1fr 1fr;

align-items:center;

gap:40px;

}

.hero-content span{

color:#caa23d;

font-weight:700;

letter-spacing:1px;

}

.hero h1{

font-size:68px;

line-height:1.05;

margin:20px 0;

color:#24364c;

}

.hero p{

font-size:19px;

color:#666;

margin-bottom:35px;

max-width:540px;

}

.hero-buttons{

display:flex;

gap:20px;

}

.btn-primary{

background:#caa23d;

padding:16px 38px;

border-radius:40px;

color:#fff;

font-weight:600;

display:inline-flex;

align-items:center;

justify-content:center;

transition:.3s;

}

.btn-primary:hover{

transform:translateY(-3px);

}

.btn-outline{

border:2px solid #24364c;

padding:16px 38px;

border-radius:40px;

color:#24364c;

font-weight:600;

}

.hero-image img{

border-radius:30px;

box-shadow:0 20px 60px rgba(0,0,0,.12);

}

/*================ STATS ================*/

.stats{

background:#0d2742;

padding:40px 0;

}

.stats-grid{

display:grid;

grid-template-columns:repeat(4,1fr);

text-align:center;

}

.stat{

color:#fff;

}

.stat i{

font-size:42px;

color:#d4af37;

margin-bottom:15px;

}

.stat h3{

font-size:34px;

}

.stat p{

color:#d7d7d7;

}

/*================ SECTION HEADINGS ================*/

.section-heading{

text-align:center;

max-width:760px;

margin:0 auto 70px;

}

.section-heading span{

color:#caa23d;

font-weight:700;

letter-spacing:2px;

}

.section-heading h2{

font-size:46px;

margin:18px 0;

color:#24364c;

}

.section-heading p{

color:#666;

font-size:18px;

}

/*================ ABOUT ================*/

@media (max-width:768px){

.about-grid{
    display:grid;
    grid-template-columns:1fr;
    gap:30px;
}

.about-content{
    width:100%;
}

.about-content h2,
.about-content h3,
.about-content p{
    text-align:center;
}

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

.value-card{
    width:100%;
}

}

/*================ SERVICES ================*/

.services{

background:#f6f8fb;

}

.services-grid{

display:grid;

grid-template-columns:repeat(3,1fr);

gap:35px;

}

.service-card{

background:#fff;

padding:45px;

border-radius:22px;

text-align:center;

transition:.35s;

box-shadow:0 15px 40px rgba(0,0,0,.06);

}

.service-card:hover{

transform:translateY(-10px);

}

.service-card i{

font-size:46px;

color:#caa23d;

margin-bottom:25px;

}

.service-card h3{

margin-bottom:18px;

color:#24364c;

}

/*================ PURPOSE ================*/

.purpose{

background:#fff;

}

.purpose-grid{

display:grid;

grid-template-columns:repeat(2,1fr);

gap:40px;

}

.purpose-card{

padding:45px;

border-radius:24px;

background:#f8f9fb;

text-align:center;

}

.icon-circle{

width:90px;

height:90px;

border-radius:50%;

background:#caa23d;

display:flex;

align-items:center;

justify-content:center;

margin:0 auto 30px;

}

.icon-circle i{

font-size:34px;

color:#fff;

}

.purpose-card h3{

font-size:30px;

margin-bottom:20px;

}

/*================ VALUES ================*/

.values{

background:#f6f8fb;

}

.values-grid{

display:grid;

grid-template-columns:repeat(3,1fr);

gap:30px;

}

.value-card{

background:#fff;

padding:40px;

border-radius:20px;

text-align:center;

transition:.3s;

box-shadow:0 12px 30px rgba(0,0,0,.05);

}

.value-card:hover{

transform:translateY(-8px);

}

.value-card i{

font-size:42px;

color:#caa23d;

margin-bottom:20px;

}

.value-card h4{

font-size:22px;

color:#24364c;

}

/*================ CALCULATOR ================*/

.calculator{
    background:#f8f9fb;
}

.calculator-card{
    max-width:1100px;
    margin:auto;
    background:#fff;
    border-radius:30px;
    padding:60px;
    box-shadow:0 25px 60px rgba(0,0,0,.08);
}

.calculator-left{
    margin-bottom:45px;
}

.calculator-left label{
    display:block;
    font-size:20px;
    font-weight:600;
    margin-bottom:20px;
    color:#24364c;
}

#loanAmount{
    width:100%;
    border:none;
    background:#f5f7fa;
    padding:22px;
    font-size:34px;
    font-weight:700;
    border-radius:18px;
    color:#24364c;
    text-align:center;
    margin-bottom:25px;
}

#loanSlider{
    width:100%;
    accent-color:#caa23d;
    cursor:pointer;
}

.range-values{
    display:flex;
    justify-content:space-between;
    margin-top:10px;
    font-weight:600;
    color:#666;
}

.estimate{
    margin-top:25px;
    color:#888;
    text-align:center;
}

.calculator-right{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:25px;
}

.calc-box{
    background:#f8f9fb;
    border-radius:22px;
    padding:35px;
    text-align:center;
}

.calc-icon{
    width:70px;
    height:70px;
    margin:auto;
    border-radius:50%;
    background:#caa23d;
    display:flex;
    justify-content:center;
    align-items:center;
    color:#fff;
    font-size:28px;
    margin-bottom:20px;
}

.calc-icon.blue{
    background:#24364c;
}

.calc-box h4{
    color:#777;
    margin-bottom:15px;
}

.calc-box h2{
    font-size:38px;
    color:#24364c;
}

.calculator-footer{
    text-align:center;
    margin-top:45px;
}

.calculator-footer p{
    color:#777;
    margin-bottom:25px;
}

.trust{

background:#24364c;

padding:100px 0;

}

.trust .section-heading h2{

color:#fff;

}

.trust-grid{

display:grid;

grid-template-columns:repeat(4,1fr);

gap:35px;

margin-top:60px;

}

.trust-card{

background:#fff;

padding:45px 30px;

border-radius:24px;

text-align:center;

transition:.35s;

}

.trust-card:hover{

transform:translateY(-10px);

}

.trust-icon{

width:90px;

height:90px;

border-radius:50%;

background:#caa23d;

display:flex;

justify-content:center;

align-items:center;

margin:auto auto 30px;

}

.trust-icon i{

font-size:34px;

color:#fff;

}

.trust-card h3{

margin-bottom:18px;

color:#24364c;

}

.trust-card p{

color:#666;

}

/*================ TESTIMONIALS ================*/

.testimonials{

padding:90px 0;

background:#f8f9fb;

}

.testimonial-grid{

display:grid;

grid-template-columns:repeat(3,1fr);

gap:35px;

margin-top:60px;

}

.testimonial{

background:#fff;

padding:40px;

border-radius:22px;

text-align:center;

box-shadow:0 15px 35px rgba(0,0,0,.06);

transition:.35s;

}

.testimonial:hover{

transform:translateY(-10px);

}

.stars{

font-size:26px;

letter-spacing:3px;

color:#d4af37;

margin-bottom:25px;

}

.testimonial p{

font-size:17px;

line-height:1.8;

color:#666;

margin-bottom:25px;

}

.testimonial h4{

font-size:22px;

color:#24364c;

margin-bottom:8px;

}

.testimonial span{

font-size:15px;

color:#888;

font-weight:600;

}

/*================ HERO =================*/

.hero{

background:linear-gradient(135deg,#ffffff 0%,#f5f7fb 100%);

min-height:78vh;
padding-top:120px;
padding-bottom:70px;

display:flex;

align-items:center;

overflow:hidden;

position:relative;

}

.hero::before{

content:"";

position:absolute;

width:650px;

height:650px;

background:rgba(202,162,61,.08);

border-radius:50%;

right:-220px;

top:-180px;

}

.hero::after{

content:"";

position:absolute;

width:420px;

height:420px;

background:rgba(36,54,76,.04);

border-radius:50%;

left:-120px;

bottom:-180px;

}

.hero-grid{

display:grid;

grid-template-columns:1.05fr .95fr;

gap:80px;

align-items:center;

position:relative;

z-index:2;

}

.hero-content span{

display:inline-block;

padding:8px 18px;

background:#fff;

border-radius:30px;

box-shadow:0 8px 20px rgba(0,0,0,.05);

font-weight:700;

letter-spacing:1px;

color:#caa23d;

}

.hero h1{

font-size:58px;

line-height:1.05;

margin:25px 0;

font-weight:800;

color:#24364c;

}

.hero p{

font-size:20px;

max-width:560px;

color:#667085;

margin-bottom:40px;

}

.hero-buttons{

display:flex;

gap:18px;

}

.hero-image{

display:flex;

justify-content:center;

}

.hero-image img{

width:100%;

max-width:500px;

border-radius:30px;

box-shadow:0 30px 70px rgba(0,0,0,.12);

animation:float 5s ease-in-out infinite;

}

@keyframes float{

0%{transform:translateY(0);}

50%{transform:translateY(-12px);}

100%{transform:translateY(0);}

}

/*================ HEADER =================*/

header{

position:fixed;

top:0;

left:0;

width:100%;

background:rgba(255,255,255,.97);

backdrop-filter:blur(12px);

z-index:9999;

transition:.35s;

box-shadow:0 5px 20px rgba(0,0,0,.05);

}

header.scrolled{

height:75px;

box-shadow:0 10px 30px rgba(0,0,0,.12);

}

.nav-container{

height:80px;

display:flex;

justify-content:space-between;

align-items:center;

transition:.35s;

}

header.scrolled .nav-container{

height:75px;

}

.logo img{

height:72px;

transition:.35s;

}

header.scrolled .logo img{

height:48px;

}

nav ul{

display:flex;

gap:38px;

list-style:none;

}

nav ul li{

position:relative;

}

nav ul li a{

color:#24364c;

font-weight:600;

padding:8px 0;

transition:.3s;

}

nav ul li a::after{

content:"";

position:absolute;

bottom:-5px;

left:0;

width:0;

height:2px;

background:#caa23d;

transition:.35s;

}

nav ul li a:hover::after{

width:100%;

}

.nav-btn{

padding:15px 34px;

background:linear-gradient(135deg,#d7b449,#bf8d19);

color:#fff;

border-radius:50px;

font-weight:600;

display:flex;

align-items:center;

gap:10px;

transition:.35s;

}

.nav-btn:hover{

transform:translateY(-4px);

box-shadow:0 15px 30px rgba(202,162,61,.35);

}

/*================ PREMIUM EFFECTS ================*/

/* Better Buttons */

.btn-primary,
.nav-btn{

transition:all .35s ease;

}

.btn-primary:hover,
.nav-btn:hover{

transform:translateY(-5px);

box-shadow:0 18px 35px rgba(202,162,61,.35);

}

/* Card Hover */

.service-card,
.value-card,
.purpose-card,
.trust-card,
.testimonial,
.calc-box{

transition:.35s ease;

}

.service-card:hover,
.value-card:hover,
.purpose-card:hover,
.trust-card:hover,
.testimonial:hover,
.calc-box:hover{

transform:translateY(-12px);

box-shadow:0 30px 60px rgba(0,0,0,.12);

}

/* Gold glow behind icons */

.service-card i,
.value-card i,
.trust-icon,
.calc-icon,
.icon-circle{

transition:.35s;

}

.service-card:hover i,
.value-card:hover i,
.trust-card:hover .trust-icon,
.calc-box:hover .calc-icon,
.purpose-card:hover .icon-circle{

box-shadow:0 0 35px rgba(212,175,55,.35);

}

/* Inputs */

input,
textarea{

transition:.3s;

}

input:focus,
textarea:focus{

outline:none;

border:2px solid #caa23d;

box-shadow:0 0 15px rgba(202,162,61,.2);

}

/* Scrollbar */

::-webkit-scrollbar{

width:10px;

}

::-webkit-scrollbar-track{

background:#edf1f5;

}

::-webkit-scrollbar-thumb{

background:#caa23d;

border-radius:10px;

}

::-webkit-scrollbar-thumb:hover{

background:#b58d1d;

}

/* WhatsApp Pulse */

.whatsapp{

animation:pulse 2.5s infinite;

}

@keyframes pulse{

0%{

box-shadow:0 0 0 0 rgba(37,211,102,.45);

}

70%{

box-shadow:0 0 0 18px rgba(37,211,102,0);

}

100%{

box-shadow:0 0 0 0 rgba(37,211,102,0);

}

}

/* Footer */

footer{

background:linear-gradient(135deg,#162330,#24364c);

}

/*================ CONTACT ================*/

.contact{

padding:90px 0;

background:#ffffff;

}

.contact-wrapper{

display:grid;

grid-template-columns:2fr 1fr;

gap:45px;

margin-top:60px;

}

.contact-form{

background:#fff;

padding:45px;

border-radius:25px;

box-shadow:0 20px 50px rgba(0,0,0,.08);

}

.contact-form h3{

margin-bottom:30px;

font-size:30px;

color:#24364c;

}

.contact-form input,
.contact-form textarea{

width:100%;

padding:18px 20px;

margin-bottom:20px;

border:1px solid #e5e7eb;

border-radius:15px;

font-size:16px;

font-family:inherit;

background:#fafafa;

transition:.3s;

}

.contact-form textarea{

resize:none;

}

.contact-form input:focus,
.contact-form textarea:focus{

background:#fff;

border:1px solid #d4af37;

box-shadow:0 0 18px rgba(212,175,55,.18);

}

.contact-form button{

margin-top:10px;

width:100%;

}

.contact-details{

background:#24364c;

color:#fff;

padding:45px;

border-radius:25px;

display:flex;

flex-direction:column;

justify-content:center;

}

.contact-details h3{

font-size:28px;

margin-bottom:35px;

}

.detail{

display:flex;

align-items:flex-start;

gap:18px;

margin-bottom:30px;

}

.detail i{

width:58px;

height:58px;

background:#d4af37;

border-radius:50%;

display:flex;

justify-content:center;

align-items:center;

font-size:22px;

flex-shrink:0;

}

.detail strong{

display:block;

margin-bottom:5px;

font-size:18px;

}

.detail p{

color:#e8edf4;

line-height:1.7;

}

footer{

padding:80px 0 20px;

color:#fff;

}

.footer-grid{

display:grid;

grid-template-columns:2fr 1fr 1fr 1fr;

gap:50px;

}

.footer-logo{

height:90px;

margin-bottom:25px;

}

footer h3{

margin-bottom:25px;

color:#d4af37;

}

footer ul{

list-style:none;

}

footer li{

margin-bottom:12px;

}

footer a{

color:#d8dde6;

transition:.3s;

}

footer a:hover{

color:#d4af37;

padding-left:5px;

}

.copyright{

margin-top:60px;

padding-top:25px;

text-align:center;

border-top:1px solid rgba(255,255,255,.12);

color:#b8c0cc;

}

/* MOBILE MENU */

.menu-toggle{

display:none;

font-size:28px;

cursor:pointer;

color:#24364c;

}

{

.menu-toggle{

display:block;

}

nav{

position:fixed;

top:95px;

right:-100%;

width:280px;

height:100vh;

background:#fff;

box-shadow:-10px 0 25px rgba(0,0,0,.08);

transition:.35s;

padding:40px;

}

nav.active{

right:0;

}

nav ul{

flex-direction:column;

gap:30px;

}

.nav-btn{

display:none;

}

}

/*================ MAP ================*/

.map{

padding-bottom:0;

}

.map iframe{

width:100%;

height:450px;

border:none;

display:block;

filter:grayscale(20%);

}

/*================ WHATSAPP ================*/

.whatsapp{

position:fixed;

right:25px;

bottom:25px;

width:65px;

height:65px;

background:#25D366;

border-radius:50%;

display:flex;

justify-content:center;

align-items:center;

font-size:34px;

color:#fff;

box-shadow:0 18px 40px rgba(37,211,102,.35);

z-index:999;

transition:.35s;

}

.whatsapp:hover{

transform:scale(1.12);

}

/*================ SCROLL TOP ================*/

#topBtn{

position:fixed;

left:25px;

bottom:25px;

width:55px;

height:55px;

border:none;

border-radius:50%;

background:#24364c;

color:#fff;

font-size:20px;

cursor:pointer;

display:none;

transition:.35s;

z-index:999;

}

#topBtn:hover{

background:#d4af37;

}

/*================ FAQ ================*/

.faq{

padding:90px 0;

background:#f8f9fb;

}

.faq-grid{

display:grid;

grid-template-columns:repeat(2,1fr);

gap:30px;

margin-top:60px;

}

.faq-card{

background:#fff;

padding:35px;

border-radius:20px;

box-shadow:0 15px 35px rgba(0,0,0,.08);

transition:.35s;

border-top:5px solid #d4af37;

}

.faq-card:hover{

transform:translateY(-8px);

}

.faq-card i{

font-size:34px;

color:#d4af37;

margin-bottom:20px;

}

.faq-card h3{

font-size:22px;

margin-bottom:15px;

color:#24364c;

}

.faq-card p{

line-height:1.8;

color:#666;

}

/*================ REFERRAL =================*/

.referral{

background:linear-gradient(135deg,#24364c,#1b2b3b);

padding:45px 20px;

text-align:center;

color:#fff;

}

.referral i{

font-size:42px;

color:#d4af37;

margin-bottom:18px;

}

.referral h2{

font-size:34px;

margin-bottom:12px;

color:#fff;

}

.referral p{

font-size:19px;

margin:0;

}

.referral strong{

color:#d4af37;

font-weight:700;

}

/*==================================================
RESPONSIVE DESIGN
==================================================*/

/* Tablets */
@media screen and (max-width:991px){

.container{
    width:90%;
    max-width:100%;
    margin:0 auto;
}

header{
    padding:15px 0;
}

.hero{
    padding:140px 0 70px;
}

.hero-grid,
.about-grid,
.contact-wrapper{
    grid-template-columns:1fr;
    gap:40px;
}

.hero-content{
    text-align:center;
}

.hero-content h1{
    font-size:52px;
    line-height:1.2;
}

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

.hero-image{
    order:-1;
}

.hero-image img{
    max-width:450px;
    margin:auto;
}

.stats-grid,
.services-grid,
.trust-grid,
.testimonial-grid,
.faq-grid,
.footer-grid{
    grid-template-columns:repeat(2,1fr);
}

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

.contact-details{
    margin-top:0;
}

.map iframe{
    height:350px;
}

}

/* Phones */
@media screen and (max-width:768px){

html,
body{
    overflow-x:hidden;
}

.container{
    width:94%;
}

section{
    padding:70px 0;
}

header{
    padding:12px 0;
}

.logo img{
    width:75px;
}

nav{
    width:100%;
}

nav ul{
    flex-direction:column;
    gap:20px;
}

.hero{
    padding-top:130px;
    padding-bottom:60px;
}

.hero-content h1{
    font-size:38px;
}

.hero-content p{
    font-size:17px;
}

.hero-buttons{
    flex-direction:column;
    align-items:center;
}

.btn-primary,
.btn-secondary{
    width:100%;
    max-width:260px;
}

.hero-image img{
    width:100%;
    max-width:340px;
}

.calculator-card{
    padding:25px;
}

.calculator-card input,
.calculator-card select{
    width:100%;
}

.stats-grid,
.services-grid,
.trust-grid,
.testimonial-grid,
.faq-grid,
.footer-grid{
    grid-template-columns:1fr;
}

.stat,
.service-card,
.trust-card,
.testimonial,
.faq-card{
    text-align:center;
}

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

.contact-form,
.contact-details{
    padding:30px;
}

.detail{
    flex-direction:column;
    align-items:center;
    text-align:center;
}

.map iframe{
    width:100%;
    height:280px;
}

.footer-grid{
    text-align:center;
    gap:35px;
}

.footer-grid img{
    margin:auto;
}

.whatsapp{
    width:58px;
    height:58px;
    right:18px;
    bottom:18px;
}

#topBtn{
    left:18px;
    bottom:18px;
}

}

/* Small phones */
@media screen and (max-width:480px){

.hero-content h1{
    font-size:32px;
}

.section-title{
    font-size:30px;
}

.hero-content p{
    font-size:16px;
}

.calculator-card,
.contact-form,
.contact-details,
.service-card,
.trust-card,
.testimonial,
.faq-card{
    padding:22px;
}

.referral h2{
    font-size:28px;
}

.referral p{
    font-size:16px;
}

}

.calculator-card{
    padding:25px;
    border-radius:20px;
}

.calculator-right{
    grid-template-columns:1fr;
    gap:20px;
}

.calc-box{
    padding:25px;
}

.calc-box h2{
    font-size:30px;
}

.calc-icon{
    width:60px;
    height:60px;
    font-size:24px;
}

#loanAmount{
    font-size:28px;
    padding:18px;
}

/*================ PURPOSE & VALUES MOBILE ================*/

@media (max-width:768px){

.purpose-grid{
    grid-template-columns:1fr;
    gap:25px;
}

.purpose-card{
    padding:30px 20px;
}

.purpose-card h3{
    font-size:26px;
}

.purpose-card p{
    font-size:16px;
    line-height:1.7;
}

.icon-circle{
    width:70px;
    height:70px;
    margin:0 auto 20px;
}

.icon-circle i{
    font-size:28px;
}

/* Values */

.values-grid{
    grid-template-columns:repeat(2,1fr);
    gap:20px;
}

.value-card{
    padding:25px 15px;
}

.value-card i{
    font-size:34px;
    margin-bottom:15px;
}

.value-card h4{
    font-size:18px;
}

}

@media (max-width:480px){

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

.purpose-card{
    padding:25px 18px;
}

}