/* AutoFand.com - Inspired Design */

:root {
    --primary: #130170;
    --secondary: #F37920;
    --white: #ffffff;
    --black: #1a1a1a;
    --gray: #6c757d;
    --light-gray: #f8f9fa;
    --border: #dee2e6;
}

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

body {
    font-family: 'Inter', sans-serif;
    color: var(--black);
    line-height: 1.6;
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Navbar */
.navbar {
    background: var(--white);
    padding: 15px 0;
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.navbar .container {
    display: flex;
    justify-content: flex-start;
    align-items: center;
    gap: 24px;
}

.brand {
    font-size: 24px;
    font-weight: 800;
    color: var(--primary);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    max-width: min(220px, 46vw);
    min-height: 40px;
}

.brand-logo-img {
    display: block;
    max-height: 44px;
    width: auto;
    max-width: 100%;
    object-fit: contain;
}

.brand-logo-img[hidden] {
    display: none !important;
}

.brand--has-logo {
    font-size: unset;
}

.brand--has-logo > span {
    border: 0;
    clip: rect(0, 0, 0, 0);
    height: 1px;
    margin: -1px;
    overflow: hidden;
    padding: 0;
    position: absolute;
    width: 1px;
    white-space: nowrap;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 32px;
    margin-left: auto;
    align-items: center;
}

.nav-menu a {
    color: var(--black);
    text-decoration: none;
    font-weight: 500;
    font-size: 15px;
}

.nav-menu a:hover {
    color: var(--secondary);
}

.nav-right {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    gap: 16px;
    flex-shrink: 0;
}

/* Primary CTA: after Contacts mentally, anchored on the header right */
.nav-invest-link {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 9px 20px;
    background: var(--primary);
    color: var(--white) !important;
    text-decoration: none;
    border-radius: 8px;
    font-weight: 600;
    font-size: 14px;
    white-space: nowrap;
    transition: background 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}

.nav-invest-link:hover {
    background: #1e0a9e;
    color: var(--white) !important;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(19, 1, 112, 0.35);
}

.nav-menu-invest-item {
    display: none;
    list-style: none;
    margin-left: auto;
}

.nav-menu-invest-item .nav-invest-link {
    width: 100%;
    max-width: fit-content;
    margin-left: auto;
}

.btn-login {
    padding: 8px 24px;
    background: var(--primary);
    color: var(--white);
    text-decoration: none;
    border-radius: 6px;
    font-weight: 600;
    font-size: 14px;
}

.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
}

.mobile-toggle span {
    width: 25px;
    height: 3px;
    background: var(--primary);
}

/* Hero */
.hero {
    position: relative;
    padding: 100px 0;
    color: var(--white);
    background: linear-gradient(135deg, var(--primary) 0%, #1e0aa0 100%);
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image: url('images/background_overlay.jpg');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    opacity: 0.15;
    z-index: 0;
}

.hero .container {
    position: relative;
    z-index: 1;
}

.hero-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: 60px;
    align-items: center;
}

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

.hero-content h1 {
    font-size: 72px;
    font-weight: 900;
    line-height: 1.1;
    margin-bottom: 24px;
}

.hero-content h1 span {
    color: var(--secondary);
}

.hero-content p {
    font-size: 18px;
    max-width: 550px;
    margin-bottom: 32px;
    opacity: 0.95;
}

.btn-hero {
    display: inline-block;
    padding: 16px 40px;
    background: var(--secondary);
    color: var(--white);
    text-decoration: none;
    border-radius: 8px;
    font-weight: 700;
    font-size: 16px;
    transition: transform 0.25s ease, background 0.25s ease, box-shadow 0.25s ease;
}

/* Rotating hero CTA (mobile): same box size — grid stacks labels; opacity crossfade */
.btn-hero.btn-hero--dual-cta {
    display: inline-flex;
    justify-content: center;
    align-items: center;
    vertical-align: middle;
    min-height: calc(16px + 16px + 1.35em); /* padding + readable line box */
}

.hero-cta-stack {
    display: grid;
    place-items: center;
    justify-items: center;
}

.hero-cta-text {
    grid-area: 1 / 1;
    opacity: 0;
    transition: opacity 0.38s ease;
    white-space: nowrap;
}

.hero-cta-text.is-active {
    opacity: 1;
}

@media (prefers-reduced-motion: reduce) {
    .hero-cta-text {
        transition: none;
    }
}

.btn-hero:hover {
    background: #d66610;
    transform: translateY(-2px);
}

/* Hero Login Box */
.hero-login {
    display: flex;
    justify-content: flex-end;
}

.login-box {
    background: var(--white);
    padding: 32px 28px;
    border-radius: 16px;
    width: 100%;
    max-width: 380px;
}

.login-icon {
    text-align: center;
    margin-bottom: 12px;
}

.login-icon i {
    font-size: 40px;
    color: var(--primary);
}

.login-box h3 {
    font-size: 24px;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 24px;
    text-align: center;
}

.input-group {
    position: relative;
    margin-bottom: 16px;
}

.input-group i {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--primary);
    font-size: 14px;
    opacity: 0.7;
}

.input-group input {
    width: 100%;
    padding: 14px 14px 14px 44px;
    border: 2px solid #e0e0e0;
    border-radius: 10px;
    font-size: 15px;
    background: var(--white);
    transition: all 0.3s;
}

.input-group input:focus {
    outline: none;
    border-color: var(--secondary);
}

.btn-signin {
    width: 100%;
    padding: 14px;
    background: var(--secondary);
    color: var(--white);
    border: none;
    border-radius: 10px;
    font-weight: 700;
    font-size: 16px;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    transition: all 0.3s;
}

.btn-signin:hover {
    background: #d66610;
}

.btn-signin:active {
    transform: scale(0.98);
}

.btn-signin:disabled {
    background: #d1d5db;
    color: #9ca3af;
    cursor: not-allowed;
}

.btn-signin:disabled:hover {
    background: #d1d5db;
}

.login-error {
    background: #fef2f2;
    border: 1px solid #fecaca;
    color: #dc2626;
    padding: 10px 12px;
    border-radius: 6px;
    font-size: 12px;
    margin-bottom: 16px;
    text-align: left;
    display: flex;
    align-items: center;
    gap: 8px;
}

.login-error.login-success {
    background: #ecfdf5;
    border-color: #a7f3d0;
    color: #047857;
}

.incomplete-setup-panel {
    margin-bottom: 16px;
    padding: 12px;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 10px;
    text-align: left;
}

.btn-signin-secondary {
    background: #fff !important;
    color: var(--secondary) !important;
    border: 2px solid var(--secondary) !important;
}

.btn-signin-secondary:hover {
    background: #fff7ed !important;
}

/* Resend setup link: centered spinner while request runs */
#btnResendSetupStart.btn-resend-setup {
    position: relative;
    min-height: 48px;
}

#btnResendSetupStart .btn-resend-setup__inner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
}

#btnResendSetupStart .btn-resend-setup__spinner {
    display: none;
    position: absolute;
    left: 50%;
    top: 50%;
    width: 22px;
    height: 22px;
    margin: -11px 0 0 -11px;
    border: 3px solid rgba(214, 102, 16, 0.25);
    border-top-color: var(--secondary);
    border-radius: 50%;
    animation: btn-resend-spin 0.7s linear infinite;
    box-sizing: border-box;
}

#btnResendSetupStart.is-loading .btn-resend-setup__inner {
    visibility: hidden;
}

#btnResendSetupStart.is-loading .btn-resend-setup__spinner {
    display: block;
}

#btnResendSetupStart.is-loading:disabled {
    background: #fff !important;
    color: var(--secondary) !important;
    border-color: var(--secondary) !important;
    opacity: 0.95;
    cursor: wait;
}

@keyframes btn-resend-spin {
    to {
        transform: rotate(360deg);
    }
}

/* Verify & send setup link — primary button loader */
#btnVerifySetupOtp.btn-verify-setup-otp {
    position: relative;
    min-height: 48px;
}

#btnVerifySetupOtp .btn-verify-setup-otp__inner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
}

#btnVerifySetupOtp .btn-verify-setup-otp__spinner {
    display: none;
    position: absolute;
    left: 50%;
    top: 50%;
    width: 22px;
    height: 22px;
    margin: -11px 0 0 -11px;
    border: 3px solid rgba(255, 255, 255, 0.35);
    border-top-color: #fff;
    border-radius: 50%;
    animation: btn-resend-spin 0.7s linear infinite;
    box-sizing: border-box;
}

#btnVerifySetupOtp.is-loading .btn-verify-setup-otp__inner {
    visibility: hidden;
}

#btnVerifySetupOtp.is-loading .btn-verify-setup-otp__spinner {
    display: block;
}

#btnVerifySetupOtp.is-loading:disabled {
    background: var(--secondary) !important;
    color: transparent !important;
    cursor: wait;
    opacity: 0.95;
}

/* Send code again — text link loader */
#btnRequestOtpAgain.btn-send-otp-again {
    position: relative;
    min-height: 40px;
}

#btnRequestOtpAgain .btn-send-otp-again__inner {
    display: inline-block;
}

#btnRequestOtpAgain .btn-send-otp-again__spinner {
    display: none;
    position: absolute;
    left: 50%;
    top: 50%;
    width: 20px;
    height: 20px;
    margin: -10px 0 0 -10px;
    border: 2px solid rgba(214, 102, 16, 0.25);
    border-top-color: var(--secondary);
    border-radius: 50%;
    animation: btn-resend-spin 0.7s linear infinite;
    box-sizing: border-box;
}

#btnRequestOtpAgain.is-loading .btn-send-otp-again__inner {
    visibility: hidden;
}

#btnRequestOtpAgain.is-loading .btn-send-otp-again__spinner {
    display: block;
}

#btnRequestOtpAgain.is-loading:disabled {
    cursor: wait;
    color: var(--secondary) !important;
    opacity: 0.9;
}

.setup-otp-section {
    margin-top: 14px;
    padding-top: 14px;
    border-top: 1px solid #e2e8f0;
}

.setup-otp-hint {
    font-size: 12px;
    color: #64748b;
    margin: 0 0 10px;
}

.setup-otp-input-wrap input {
    letter-spacing: 0.2em;
    font-weight: 700;
    text-align: center;
}

.btn-text-link {
    display: block;
    width: 100%;
    margin-top: 10px;
    padding: 8px;
    background: none;
    border: none;
    color: var(--secondary);
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: underline;
}

.btn-text-link:hover {
    color: #d66610;
}

/* ========================================
   PIN SIGN-IN — COMPACT MODERN DESIGN
   ======================================== */

/* Email identity row */
.pin-email-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 8px 12px;
    background: #f0f0ff;
    border-radius: 8px;
    margin-bottom: 12px;
    border: 1px solid #e0dff5;
}

.pin-email-left {
    display: flex;
    align-items: center;
    gap: 8px;
    min-width: 0;
    flex: 1;
}

.pin-email-left i {
    font-size: 18px;
    color: var(--primary);
    flex-shrink: 0;
}

.pin-email-left span {
    font-size: 13px;
    font-weight: 600;
    color: var(--primary);
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.pin-back-btn {
    width: 28px;
    height: 28px;
    border-radius: 6px;
    border: 1px solid #e0dff5;
    background: white;
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.2s;
    flex-shrink: 0;
    font-size: 11px;
}

.pin-back-btn:hover {
    background: var(--primary);
    color: white;
    border-color: var(--primary);
}

/* PIN label row with inline lock */
.pin-label-row {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin-bottom: 10px;
    font-size: 12px;
    font-weight: 500;
    color: #64748b;
}

.pin-lock-sm {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: #fff7ed;
    border: 1px solid #fed7aa;
    transition: all 0.3s;
}

.pin-lock-sm i {
    font-size: 10px;
    color: var(--secondary);
    transition: all 0.3s;
}

.pin-lock-sm.unlocked {
    background: #ecfdf5;
    border-color: #6ee7b7;
}

.pin-lock-sm.unlocked i {
    color: #10b981;
}

.pin-lock-sm.error {
    background: #fef2f2;
    border-color: #fca5a5;
    animation: pinShake 0.5s ease;
}

.pin-lock-sm.error i {
    color: #ef4444;
}

@keyframes pinShake {
    0%, 100% { transform: translateX(0); }
    20% { transform: translateX(-6px); }
    40% { transform: translateX(6px); }
    60% { transform: translateX(-4px); }
    80% { transform: translateX(4px); }
}

/* PIN inputs — compact to fit widget */
.pin-inputs {
    display: flex;
    gap: 5px;
    margin-bottom: 16px;
    width: 100%;
}

.pin-digit {
    flex: 1;
    min-width: 0;
    height: 42px;
    border: 2px solid #e0e0e0;
    border-radius: 8px;
    font-size: 18px;
    font-weight: 700;
    text-align: center;
    outline: none;
    background: var(--white);
    color: var(--primary);
    transition: all 0.2s;
    caret-color: var(--secondary);
    padding: 0;
}

.pin-digit:focus {
    border-color: var(--secondary);
    box-shadow: 0 0 0 2px rgba(243, 121, 32, 0.1);
}

.pin-digit.filled {
    border-color: var(--primary);
    background: #f0f0ff;
}

/* Calculator Widget - UI Designer Version */
.calculator-widget-section {
    padding: 50px 0;
    background: #f8f9fc;
}

.calc-widget-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    background: var(--white);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 10px 40px rgba(0,0,0,0.08);
}

/* RIGHT SIDE - Product Details */
.product-details-side {
    padding: 32px;
    background: linear-gradient(135deg, #f8f9fc 0%, #e8ecf9 100%);
    border-left: 1px solid #e5e7eb;
}

.loan-info {
    height: 100%;
    display: flex;
    flex-direction: column;
}

.info-placeholder {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    height: 100%;
    color: var(--gray);
    padding: 20px;
}

.info-placeholder i {
    font-size: 48px;
    margin-bottom: 12px;
    color: #c7d2fe;
}

.info-placeholder p {
    font-size: 14px;
    color: #9ca3af;
}

.loan-info-content {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.loan-info-header {
    padding-bottom: 12px;
    border-bottom: 2px solid #e0e7ff;
}

.loan-info-header h4 {
    font-size: 20px;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 4px;
}

.loan-info-header p {
    font-size: 12px;
    color: #6b7280;
    line-height: 1.4;
}

.loan-info-details {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 6px;
}

.info-detail-row {
    display: flex;
    flex-direction: column;
    gap: 3px;
    padding: 10px 8px;
    background: var(--white);
    border-radius: 8px;
    text-align: center;
}

.info-detail-row span {
    font-size: 10px;
    color: #9ca3af;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.3px;
}

.info-detail-row strong {
    font-size: 14px;
    font-weight: 700;
    color: var(--primary);
}

.loan-features {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
}

.feature-bullet {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 12px;
    background: var(--white);
    border-radius: 8px;
}

.feature-bullet i {
    color: var(--secondary);
    font-size: 14px;
    flex-shrink: 0;
}

.feature-bullet span {
    font-size: 13px;
    color: #374151;
    line-height: 1.4;
    font-weight: 500;
}

/* LEFT SIDE - Calculator */
.calculator-side {
    padding: 32px;
    background: var(--white);
}

.calculator-side h3 {
    font-size: 22px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 20px;
}

.calc-select-wrapper {
    margin-bottom: 20px;
}

.calc-product-select {
    width: 100%;
    padding: 12px 14px;
    border: 2px solid #e5e7eb;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 600;
    background: var(--white);
    color: var(--black);
    cursor: pointer;
    transition: all 0.3s;
}

.calc-product-select:focus {
    outline: none;
    border-color: var(--secondary);
}

.calc-inputs-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    margin-bottom: 20px;
}

.calc-mini-input label {
    display: block;
    font-size: 11px;
    font-weight: 600;
    margin-bottom: 6px;
    color: #6b7280;
}

.calc-mini-input input {
    width: 100%;
    padding: 10px 8px;
    border: 2px solid #e5e7eb;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 600;
    text-align: center;
    background: #f9fafb;
    color: var(--black);
    transition: all 0.3s;
}

.calc-mini-input input:focus {
    outline: none;
    border-color: var(--secondary);
    background: var(--white);
}

.calc-result-mini {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 18px;
}

.result-item-mini {
    background: linear-gradient(135deg, #fef3e7 0%, #fff5eb 100%);
    padding: 16px 12px;
    border-radius: 10px;
    text-align: center;
    border: 1px solid #fed7aa;
}

.result-item-mini span {
    display: block;
    font-size: 10px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: #92400e;
    margin-bottom: 6px;
}

.result-item-mini strong {
    display: block;
    font-size: 20px;
    font-weight: 800;
    color: var(--secondary);
}

.btn-calculate {
    width: 100%;
    padding: 14px;
    background: linear-gradient(135deg, var(--secondary) 0%, #ff8f3d 100%);
    color: var(--white);
    border: none;
    border-radius: 10px;
    font-weight: 700;
    font-size: 15px;
    cursor: pointer;
    transition: all 0.3s;
}

.btn-calculate:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(243, 121, 32, 0.3);
}

/* Services Grid */
.services-section {
    padding: 80px 0;
    background: var(--white);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.service-box {
    background: var(--light-gray);
    padding: 40px 30px;
    border-radius: 12px;
    text-align: center;
    transition: all 0.3s;
}

.service-box:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
}

.service-icon {
    width: 80px;
    height: 80px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    margin: 0 auto 20px;
}

.service-box h3 {
    font-size: 20px;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--primary);
}

.service-box p {
    font-size: 14px;
    color: var(--gray);
}

/* In-page hash target (#invest-with-us) without visible block */
.landing-hash-anchor {
    height: 0;
    overflow: hidden;
    pointer-events: none;
    scroll-margin-top: 88px;
}

/* Dynamic loan product cards: wrapper is layout-transparent so children sit in .services-grid */
.loan-products-mount {
    display: contents;
}

.service-box-empty {
    grid-column: 1 / -1;
}

/* Invest-with-us enquiry (→ website_inquiries / App Inquiries) */
.service-box--invest {
    text-align: left;
}

.service-box--invest .service-icon,
.service-box--invest h3 {
    text-align: center;
}

.service-box--invest h3 {
    margin-bottom: 8px;
}

.invest-lead {
    text-align: center;
    font-size: 14px;
    color: var(--gray);
    margin-bottom: 20px;
}

.invest-sr-label {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

.invest-inquiry-form {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-top: 4px;
}

.invest-inquiry-form input,
.invest-inquiry-form textarea {
    width: 100%;
    padding: 10px 12px;
    border: 1px solid #ddd;
    border-radius: 8px;
    font-size: 14px;
    font-family: inherit;
    box-sizing: border-box;
    background: var(--white);
}

.invest-inquiry-form input:focus,
.invest-inquiry-form textarea:focus {
    outline: none;
    border-color: var(--secondary);
    box-shadow: 0 0 0 2px rgba(243, 121, 32, 0.2);
}

.invest-inquiry-form textarea {
    resize: vertical;
    min-height: 72px;
}

.invest-form-feedback {
    font-size: 13px;
    margin: 0;
    min-height: 1.25em;
}

.invest-form-feedback.is-error {
    color: #c0392b;
}

.invest-form-feedback.is-success {
    color: #1e8449;
}

.btn-invest-submit {
    width: 100%;
    padding: 12px 16px;
    border: none;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--secondary) 0%, #ff8f3d 100%);
    color: var(--white);
    font-weight: 700;
    font-size: 15px;
    cursor: pointer;
    transition: transform 0.2s, box-shadow 0.2s;
}

.btn-invest-submit:hover:not(:disabled) {
    transform: translateY(-1px);
    box-shadow: 0 6px 16px rgba(243, 121, 32, 0.35);
}

.btn-invest-submit:disabled {
    opacity: 0.65;
    cursor: not-allowed;
}

/* Reasons Section */
.reasons-section {
    padding: 80px 0;
    background: var(--light-gray);
}

.section-title-center {
    text-align: center;
    margin-bottom: 60px;
}

.section-title-center h2 {
    font-size: 42px;
    font-weight: 800;
    color: var(--primary);
}

.reasons-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.reason-card {
    background: var(--white);
    padding: 40px 30px;
    border-radius: 12px;
    text-align: center;
}

.reason-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--secondary) 0%, #ff8f3d 100%);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    margin: 0 auto 24px;
}

.reason-card h3 {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--primary);
}

.reason-card h4 {
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 16px;
    color: var(--secondary);
}

.reason-card p {
    font-size: 14px;
    color: var(--gray);
    line-height: 1.7;
}

/* Requirements */
.requirements-section {
    padding: 80px 0;
    background: var(--primary);
    color: var(--white);
    text-align: center;
}

.requirements-section h2 {
    font-size: 36px;
    font-weight: 700;
    margin-bottom: 48px;
}

.requirements-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 900px;
    margin: 0 auto;
}

.req-item {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 16px;
    background: rgba(255,255,255,0.1);
    padding: 16px 24px;
    border-radius: 8px;
}

.req-item i {
    color: var(--secondary);
    font-size: 20px;
}

/* Contact */
.contact-section {
    padding: 80px 0;
    background: var(--light-gray);
}

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

.contact-info h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 32px;
}

.info-item {
    display: flex;
    gap: 20px;
    margin-bottom: 24px;
}

.info-item i {
    width: 50px;
    height: 50px;
    background: var(--primary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    flex-shrink: 0;
}

.info-item strong {
    display: block;
    font-size: 16px;
    color: var(--primary);
    margin-bottom: 4px;
}

.info-item p {
    font-size: 14px;
    color: var(--gray);
    line-height: 1.6;
}

.contact-form-box {
    background: var(--white);
    padding: 40px;
    border-radius: 16px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.1);
}

.contact-form-box h3 {
    font-size: 24px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 24px;
}

.contact-form-box input,
.contact-form-box select,
.contact-form-box textarea {
    width: 100%;
    padding: 14px;
    border: 2px solid var(--border);
    border-radius: 8px;
    font-size: 15px;
    margin-bottom: 16px;
}

.contact-form-box textarea {
    resize: vertical;
}

.btn-submit {
    width: 100%;
    padding: 16px;
    background: var(--secondary);
    color: var(--white);
    border: none;
    border-radius: 8px;
    font-weight: 700;
    font-size: 16px;
    cursor: pointer;
    min-height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
}

.btn-submit:disabled {
    cursor: wait;
}

.btn-submit.is-success {
    background: #1e8449;
    cursor: default;
}

.btn-submit.is-success:disabled {
    cursor: default;
}

.btn-submit-state {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    line-height: 1.3;
}

/* class display wins over UA [hidden]=display:none — force hidden spans off */
.btn-submit .btn-submit-state[hidden] {
    display: none !important;
}

.btn-submit-state--done {
    font-size: 14px;
    font-weight: 700;
}

.btn-submit.is-success:hover {
    background: #1e8449;
}

.btn-submit:hover:not(:disabled) {
    background: #d66610;
}

/* Footer */
.footer {
    background: #0a0040;
    color: var(--white);
    padding: 60px 0 20px;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    margin-bottom: 40px;
}

.footer-col h4 {
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 20px;
    color: var(--secondary);
}

.footer-col ul {
    list-style: none;
}

.footer-col ul li {
    margin-bottom: 10px;
}

.footer-col a {
    color: rgba(255,255,255,0.8);
    text-decoration: none;
    font-size: 14px;
}

.footer-col a:hover {
    color: var(--white);
}

.footer-col p {
    font-size: 14px;
    line-height: 1.8;
    opacity: 0.8;
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.footer-bottom p {
    font-size: 14px;
    opacity: 0.7;
}

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

.social-links a {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.1);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
}

.social-links a:hover {
    background: var(--secondary);
}

/* Modal */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 9999;
    align-items: center;
    justify-content: center;
}

.modal.active {
    display: flex;
}

.modal-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0,0,0,0.7);
}

.modal-content {
    position: relative;
    background: var(--white);
    padding: 40px;
    border-radius: 16px;
    max-width: 450px;
    width: 90%;
    text-align: center;
}

.modal-close {
    position: absolute;
    top: 16px;
    right: 16px;
    background: none;
    border: none;
    font-size: 32px;
    color: var(--gray);
    cursor: pointer;
}

.modal-content h3 {
    font-size: 24px;
    color: var(--primary);
    margin-bottom: 24px;
}

.modal-content input {
    width: 100%;
    padding: 14px;
    border: 2px solid var(--border);
    border-radius: 8px;
    font-size: 15px;
    margin-bottom: 16px;
}

.login-links {
    margin-top: 16px;
    font-size: 14px;
}

.login-links a {
    color: var(--secondary);
    font-weight: 600;
}

/* Responsive */
@media (max-width: 1024px) {
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .reasons-grid {
        grid-template-columns: 1fr;
    }
    
    .contact-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .nav-menu {
        position: fixed;
        top: 61px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 61px);
        background: var(--white);
        flex-direction: column;
        padding: 40px 20px;
        transition: all 0.3s;
        margin-left: 0;
        align-items: stretch;
    }
    
    .nav-menu.active {
        left: 0;
    }
    
    .mobile-toggle {
        display: flex;
    }

    .nav-menu-invest-item {
        display: list-item;
        margin-top: 8px;
        padding-top: 16px;
        border-top: 1px solid var(--border);
        width: 100%;
        text-align: right;
    }

    .nav-menu-invest-item .nav-invest-link {
        margin-left: auto;
        display: inline-flex;
    }

    .nav-right .nav-invest-link {
        display: none;
    }

    .nav-invest-link {
        padding: 8px 14px;
        font-size: 13px;
    }

    .btn-login {
        display: none;
    }
    
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .hero-content {
        text-align: center;
    }
    
    .hero-content h1 {
        font-size: 48px;
    }
    
    .hero-content p {
        max-width: 100%;
    }
    
    .hero-login {
        display: none;
    }
    
    .calc-widget-grid {
        grid-template-columns: 1fr;
    }
    
    .product-details-side {
        border-left: none;
        border-top: 1px solid #e5e7eb;
    }
    
    .calculator-side h3 {
        font-size: 20px;
    }
    
    .services-grid {
        grid-template-columns: 1fr;
    }
    
    .requirements-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 480px) {
    .calc-inputs-row {
        grid-template-columns: 1fr;
    }
    
    .loan-info-details {
        grid-template-columns: 1fr;
    }
    
    .loan-features {
        grid-template-columns: 1fr;
    }
    
    .calculator-side h3 {
        font-size: 20px;
    }
    
    .loan-info-header h4 {
        font-size: 20px;
    }
}