:root{--primary:#1b2a52;--primary-dark:#0d1730;--primary-light:#3a5a99;--accent:#f2b134;--accent-dark:#d99b1f;--dark:#0a0f1f;--darker:#05070f;--light:#f7f8fa;--cream:#fdfbf3;--gray:#5f6b7a;--gray-light:#e7eaef;--radius:18px;--shadow:0 10px 30px rgba(5,10,25,0.14);}*{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}body{font-family:'Poppins',sans-serif;color:#1c2b28;background:var(--cream);overflow-x:hidden;}a{text-decoration:none;color:inherit;}ul{list-style:none;}.container{max-width:1200px;margin:0 auto;padding:0 24px;}img{max-width:100%;display:block;}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 30px;border-radius:50px;font-weight:600;font-size:15px;cursor:pointer;transition:all .3s ease;border:2px solid transparent;}.btn-primary{background:var(--accent);color:var(--darker);box-shadow:0 8px 20px rgba(242,177,52,0.35);}.btn-primary:hover{background:var(--accent-dark);transform:translateY(-3px);box-shadow:0 12px 26px rgba(242,177,52,0.45);}.btn-outline{border-color:rgba(255,255,255,0.6);color:#fff;}.btn-outline:hover{background:rgba(255,255,255,0.12);transform:translateY(-3px);}.btn-dark{background:var(--primary);color:#fff;}.btn-dark:hover{background:var(--primary-dark);transform:translateY(-3px);}.section-tag{display:inline-block;color:var(--primary);background:rgba(15,111,92,0.1);font-weight:600;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;padding:6px 16px;border-radius:30px;margin-bottom:14px;}.section-title{font-size:clamp(26px,4vw,40px);font-weight:700;color:var(--darker);margin-bottom:16px;line-height:1.25;}.section-sub{color:var(--gray);font-size:16px;max-width:640px;margin:0 auto 20px;line-height:1.7;}.center{text-align:center;}.topbar{background:var(--darker);color:#cfe3df;font-size:13px;padding:8px 0;}.topbar .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:6px;}.topbar a{color:#cfe3df;margin-right:18px;}.topbar i{color:var(--accent);margin-right:6px;}.header{position:sticky;top:0;z-index:1000;background:rgba(253,250,243,0.92);backdrop-filter:blur(10px);box-shadow:0 2px 18px rgba(9,40,34,0.08);}.header-inner{display:flex;align-items:center;justify-content:space-between;height:76px;}.logo{font-size:26px;font-weight:800;color:var(--darker);}.logo span{color:var(--primary);}.nav{display:flex;gap:34px;}.nav a{font-weight:500;font-size:15px;position:relative;padding:6px 0;color:#2a3a37;}.nav a::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--accent);transition:width .3s ease;}.nav a:hover::after{width:100%;}.header-cta{display:flex;align-items:center;gap:16px;}.header-cta .phone{display:flex;align-items:center;gap:8px;font-weight:600;color:var(--primary-dark);}.header-cta .phone i{background:var(--gray-light);color:var(--primary);padding:10px;border-radius:50%;}.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;z-index:1200;}.hamburger span{width:26px;height:3px;background:var(--darker);border-radius:2px;transition:all .3s ease;}.hero{position:relative;background:radial-gradient(circle at 20% 20%, #2c4a8c 0%, var(--primary-dark) 45%, var(--darker) 100%);color:#fff;padding:90px 0 120px;overflow:hidden;}.hero::before{content:"";position:absolute;top:-100px;right:-100px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle, rgba(242,177,52,0.25), transparent 70%);}.hero::after{content:"";position:absolute;bottom:-140px;left:-80px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle, rgba(58,90,153,0.35), transparent 70%);}.hero-inner{display:grid;grid-template-columns:1.1fr 0.9fr;gap:50px;align-items:center;position:relative;z-index:2;}.badge{display:inline-block;background:rgba(255,255,255,0.12);border:1px solid rgba(255,255,255,0.25);padding:8px 18px;border-radius:30px;font-size:13px;font-weight:500;margin-bottom:22px;letter-spacing:0.5px;}.hero h1{font-size:clamp(32px,5vw,54px);font-weight:800;line-height:1.15;margin-bottom:18px;}.hero h1 span{color:var(--accent);}.hero p{font-size:17px;color:#dcefe9;max-width:520px;margin-bottom:30px;line-height:1.7;}.rate-card{display:flex;align-items:center;gap:20px;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.18);padding:20px 26px;border-radius:var(--radius);margin-bottom:34px;max-width:480px;backdrop-filter:blur(6px);}.rate-value{font-size:42px;font-weight:800;color:var(--accent);}.rate-value span{font-size:22px;}.rate-label{font-size:13px;color:#dcefe9;line-height:1.5;}.rate-label small{opacity:0.7;font-size:11px;}.hero-cta{display:flex;gap:16px;flex-wrap:wrap;}.hero-visual{position:relative;display:flex;align-items:center;justify-content:center;}.hero-card{background:#fff;border-radius:20px;padding:26px;box-shadow:0 30px 60px rgba(0,0,0,0.35);color:#1c2b28;width:100%;max-width:340px;transform:rotate(2deg);}.hero-card h4{font-size:15px;color:var(--gray);margin-bottom:14px;font-weight:600;}.hero-stat{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px dashed var(--gray-light);}.hero-stat:last-child{border-bottom:none;}.hero-stat b{color:var(--primary-dark);font-size:20px;}.hero-stat span{color:var(--gray);font-size:12px;}.hero-stat-icon{font-size:22px;}.hero-stat-icon.accent{color:var(--accent);}.hero-stat-icon.primary{color:var(--primary);}.loans{padding:100px 0 80px;}.loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:50px;}.loan-card{background:#fff;border-radius:var(--radius);padding:32px 24px;box-shadow:var(--shadow);text-align:left;transition:all .35s ease;border:1px solid var(--gray-light);position:relative;overflow:hidden;}.loan-card:hover{transform:translateY(-10px);box-shadow:0 20px 40px rgba(9,40,34,0.16);border-color:var(--primary-light);}.loan-icon{width:56px;height:56px;border-radius:16px;background:linear-gradient(135deg,var(--primary),var(--primary-light));display:flex;align-items:center;justify-content:center;color:#fff;font-size:22px;margin-bottom:20px;}.loan-card h3{font-size:18px;margin-bottom:10px;color:var(--darker);}.loan-card p{font-size:14px;color:var(--gray);line-height:1.6;}.why{background:var(--dark);color:#fff;padding:90px 0;position:relative;}.why-inner{max-width:720px;margin:0 auto;text-align:center;}.why-inner .btn{margin:0 auto;}.why h2{font-size:clamp(26px,4vw,38px);font-weight:700;margin-bottom:20px;}.why p{color:#c9dbd6;line-height:1.8;font-size:16px;margin-bottom:26px;}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}.stat-box{text-align:center;background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.12);border-radius:16px;padding:26px 10px;}.stat-box b{display:block;font-size:30px;color:var(--accent);font-weight:800;}.stat-box span{font-size:13px;color:#c9dbd6;}.services{padding:100px 0;background:var(--light);}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:50px;}.service-card{display:flex;gap:16px;align-items:flex-start;background:#fff;padding:24px;border-radius:16px;box-shadow:var(--shadow);transition:transform .3s ease;}.service-card:hover{transform:translateY(-6px);}.service-card i{font-size:22px;color:var(--primary);background:rgba(15,111,92,0.1);padding:14px;border-radius:12px;min-width:50px;text-align:center;}.service-card h4{font-size:16px;margin-bottom:6px;color:var(--darker);}.service-card p{font-size:13px;color:var(--gray);line-height:1.5;}.features{padding:90px 0;background:var(--darker);}.feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}.feature-card{background:rgba(255,255,255,0.03);border:1px solid rgba(255,255,255,0.1);border-radius:var(--radius);padding:30px;transition:transform .3s ease,border-color .3s ease;}.feature-card:hover{transform:translateY(-6px);border-color:var(--accent);}.feature-top{display:flex;align-items:center;gap:18px;}.feature-icon{width:64px;height:64px;min-width:64px;border-radius:50%;border:2px solid var(--accent);display:flex;align-items:center;justify-content:center;color:var(--accent);font-size:24px;}.feature-card h3{color:#fff;font-size:20px;font-weight:700;line-height:1.25;}.feature-divider{height:1px;background:rgba(255,255,255,0.15);margin:16px 0;}.feature-card p{color:#c9dbd6;font-size:14px;line-height:1.6;}.testimonials{padding:100px 0;background:linear-gradient(180deg,#fff,var(--gray-light));text-align:center;}.testi-wrap{max-width:760px;margin:50px auto 0;position:relative;}.testi-slide{display:none;background:#fff;border-radius:20px;padding:44px 40px;box-shadow:var(--shadow);}.testi-slide.active{display:block;animation:fadein .6s ease;}@keyframes fadein{from{opacity:0;transform:translateY(10px);}to{opacity:1;transform:translateY(0);}}.testi-quote{font-size:36px;color:var(--accent);margin-bottom:10px;}.testi-text{font-size:17px;color:#374a46;line-height:1.8;margin-bottom:22px;font-style:italic;}.testi-name{font-weight:700;color:var(--darker);}.testi-loc{font-size:13px;color:var(--gray);}.testi-dots{display:flex;justify-content:center;gap:10px;margin-top:26px;}.dot{width:10px;height:10px;border-radius:50%;background:#cfe0dc;cursor:pointer;transition:all .3s ease;}.dot.active{background:var(--primary);width:26px;border-radius:6px;}.contact{padding:100px 0;background:var(--darker);color:#fff;}.contact-inner{display:grid;grid-template-columns:1fr 1fr;gap:50px;}.contact-info h2{font-size:clamp(24px,4vw,34px);margin-bottom:16px;}.contact-info p{color:#c9dbd6;line-height:1.8;margin-bottom:26px;}.info-row{display:flex;gap:16px;align-items:flex-start;margin-bottom:20px;}.info-row i{background:rgba(242,177,52,0.15);color:var(--accent);padding:14px;border-radius:12px;min-width:46px;text-align:center;}.info-row b{display:block;color:#fff;margin-bottom:3px;}.info-row span, .info-row a{color:#c9dbd6;font-size:14px;}.contact-form{background:#fff;border-radius:20px;padding:36px;color:#1c2b28;box-shadow:0 30px 60px rgba(0,0,0,0.3);}.contact-form h3{margin-bottom:20px;color:var(--darker);}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px;}.contact-form input, .contact-form select, .contact-form textarea{width:100%;padding:13px 16px;border:1px solid var(--gray-light);border-radius:10px;font-family:inherit;font-size:14px;background:#f9fbfa;transition:border .3s ease;}.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus{outline:none;border-color:var(--primary);}.contact-form textarea{margin-bottom:14px;resize:vertical;min-height:90px;}.form-msg{margin-top:14px;font-size:14px;color:var(--primary-dark);font-weight:600;display:none;}.footer{background:var(--dark);color:#c9dbd6;padding:70px 0 20px;}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px;margin-bottom:40px;}.footer h4{color:#fff;margin-bottom:18px;font-size:16px;}.footer p{font-size:14px;line-height:1.8;}.footer ul li{margin-bottom:10px;font-size:14px;}.footer ul li a:hover{color:var(--accent);}.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding-top:20px;text-align:center;font-size:13px;color:#8ea9a3;}.social-row{display:flex;gap:12px;margin-top:16px;}.social-row a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,0.08);display:flex;align-items:center;justify-content:center;transition:all .3s ease;}.social-row a:hover{background:var(--accent);color:var(--darker);}.wa-float{position:fixed;bottom:26px;right:26px;z-index:1500;width:62px;height:62px;background:#25D366;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 24px rgba(37,211,102,0.5);color:#fff;font-size:30px;animation:pulse 2.2s infinite;}.wa-float:hover{transform:scale(1.08);}@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(37,211,102,0.55);}70%{box-shadow:0 0 0 16px rgba(37,211,102,0);}100%{box-shadow:0 0 0 0 rgba(37,211,102,0);}}.wa-tooltip{position:fixed;bottom:40px;right:98px;background:#fff;padding:10px 16px;border-radius:10px;box-shadow:var(--shadow);font-size:13px;font-weight:600;color:var(--darker);z-index:1500;opacity:0;pointer-events:none;transition:opacity .3s ease;}.wa-float:hover + .wa-tooltip, .wa-tooltip.show{opacity:1;}.back-top{position:fixed;bottom:26px;left:26px;z-index:1500;width:48px;height:48px;background:#fff;border:1px solid var(--gray-light);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--primary);box-shadow:var(--shadow);opacity:0;pointer-events:none;transition:all .3s ease;}.back-top.show{opacity:1;pointer-events:auto;}@media (max-width:992px){.hero-inner{grid-template-columns:1fr;}.hero-visual{order:-1;max-width:320px;margin:0 auto 20px;}.loan-grid{grid-template-columns:repeat(2,1fr);}.why-inner{grid-template-columns:1fr;}.service-grid{grid-template-columns:repeat(2,1fr);}.contact-inner{grid-template-columns:1fr;}.footer-grid{grid-template-columns:1fr 1fr;}}@media (max-width:768px){.topbar{display:none;}.nav{position:fixed;top:0;right:-100%;width:78%;max-width:320px;height:100vh;background:#fff;flex-direction:column;padding:100px 30px;gap:26px;box-shadow:-10px 0 40px rgba(0,0,0,0.2);transition:right .35s ease;}.nav.open{right:0;}.header-cta .phone span{display:none;}.hamburger{display:flex;}.hero{padding:60px 0 90px;}.rate-card{flex-direction:column;align-items:flex-start;gap:8px;}.form-row{grid-template-columns:1fr;}}@media (max-width:560px){.loan-grid{grid-template-columns:1fr;}.service-grid{grid-template-columns:1fr;}.feature-grid{grid-template-columns:1fr;}.stats{grid-template-columns:1fr 1fr;}.footer-grid{grid-template-columns:1fr;}.wa-float{width:54px;height:54px;font-size:26px;bottom:18px;right:18px;}.back-top{display:none;}}.overlay-bg{position:fixed;inset:0;background:rgba(0,0,0,0.4);z-index:1100;opacity:0;pointer-events:none;transition:opacity .3s ease;}.overlay-bg.show{opacity:1;pointer-events:auto;}@media (max-width:768px){.header-cta .btn-dark{display:none;}.header-cta .phone{padding:8px;}}@media (max-width:768px){.header-inner{gap:10px;}}