:root {
        --primary: #114a8d;
        --primary-dark: #0c3564;
        --primary-light: #eaf3ff;
        --accent: #f59e0b;
        --accent-soft: #fff4df;
        --success: #0f9d7a;
        --text: #16324f;
        --muted: #64748b;
        --border: #dbe6f3;
        --surface: #ffffff;
        --surface-alt: #f6f9fc;
        --card-bg: #123e73;
        --shadow: 0 14px 40px rgba(17, 74, 141, 0.1);
        --radius: 18px;
      }

      *,
      *::before,
      *::after {
        box-sizing: border-box;
        margin: 0;
        padding: 0;
      }
      html {
        scroll-behavior: smooth;
      }
      body {
        font-family: "DM Sans", sans-serif;
        background: var(--surface-alt);
        color: var(--text);
        overflow-x: hidden;
      }
      a {
        text-decoration: none;
      }

      nav {
        position: fixed;
        inset: 0 0 auto 0;
        z-index: 100;
        display: flex;
        align-items: center;
        justify-content: space-between;
        height: 78px;
        padding: 0 42px;
        /*background: linear-gradient(135deg, #0f766e 0%, #22b3a2 100%);*/
        background: var(--success);
        border-bottom: 1px solid var(--border);
        backdrop-filter: blur(14px);
      }
      .logo img {
        height: 200px;
        width: 200px;
        display: block;
      }
      .nav-right {
        display: flex;
        align-items: center;
        gap: 18px;
      }
      .nav-links {
        display: flex;
        align-items: center;
        gap: 26px;
        list-style: none;
      }
      .nav-links a {
        color: var(--surface);
        font-size: 0.97rem;
        font-weight: 600;
        letter-spacing: 0;
        transition: color 0.25s ease;
      }
      .nav-links a:hover,
      .nav-links a.active {
        color: var(--primary);
      }
      .nav-dropdown {
        position: relative;
      }
      .nav-dropdown-toggle {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        border: none;
        background: transparent;
        color: var(--text);
        font-size: 0.97rem;
        font-weight: 600;
        font-family: inherit;
        cursor: pointer;
        padding: 0;
      }
      .nav-dropdown-toggle i {
        font-size: 0.8rem;
        transition: transform 0.25s ease;
      }
      .nav-dropdown.active .nav-dropdown-toggle,
      .nav-dropdown:hover .nav-dropdown-toggle {
        color: var(--primary);
      }
      .nav-dropdown-toggle {
        color: white !important;
      }
      .nav-dropdown-toggle:hover {
        color: var(--primary) !important;
      }
      .nav-dropdown.active .nav-dropdown-toggle i,
      .nav-dropdown:hover .nav-dropdown-toggle i {
        transform: rotate(180deg);
      }
      .nav-dropdown-menu {
        position: absolute;
        top: calc(100% + 18px);
        left: 0;
        min-width: 260px;
        padding: 12px;
        background: #fff;
        border: 1px solid var(--border);
        border-radius: 18px;
        box-shadow: 0 18px 40px rgba(17, 74, 141, 0.14);
        display: grid;
        gap: 6px;
        opacity: 0;
        visibility: hidden;
        transform: translateY(8px);
        pointer-events: none;
        transition: 0.25s ease;
        z-index: 150;
      }
      .nav-dropdown:hover .nav-dropdown-menu,
      .nav-dropdown.active .nav-dropdown-menu {
        opacity: 1;
        visibility: visible;
        transform: translateY(0);
        pointer-events: auto;
      }
      .nav-dropdown-menu a {
        display: block;
        padding: 12px 14px;
        border-radius: 12px;
        background: #f8fbff;
        border: 1px solid transparent;
        font-size: 0.92rem;
        font-weight: 700;
        color: var(--text);
      }
      .nav-dropdown-menu a:hover {
        color: var(--primary);
        border-color: #d6e5f5;
        background: #eef6ff;
      }
      .services-menu {
        display: block;
        width: min(880px, calc(100vw - 48px));
        padding: 18px;
        top: calc(100% + 14px);
        left: 50%;
        transform: translate(-50%, 12px);
        border-radius: 24px;
        border: 1px solid #dbe6f3;
        background: rgba(255, 255, 255, 0.98);
        box-shadow: 0 24px 60px rgba(12, 53, 100, 0.16);
        backdrop-filter: blur(14px);
        opacity: 0;
        visibility: hidden;
        pointer-events: none;
      }
      .nav-dropdown:hover .services-menu,
      .nav-dropdown.active .services-menu,
      .nav-dropdown:focus-within .services-menu {
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
        transform: translate(-50%, 0);
      }
      .services-menu-head {
        padding: 0 4px 14px;
        border-bottom: 1px solid #e8eff8;
      }
      .services-kicker {
        font-size: 0.64rem;
        letter-spacing: 0.16em;
        margin-bottom: 6px;
      }
      .services-menu-head h3 {
        margin: 0;
        font-size: 1rem;
        font-weight: 700;
        line-height: 1.45;
        color: var(--primary-dark);
      }
      .services-shell {
        display: grid;
        grid-template-columns: 230px minmax(0, 1fr);
        gap: 20px;
        padding-top: 16px;
      }
      .services-tabs {
        display: flex;
        flex-direction: column;
        gap: 8px;
        padding: 0;
        border-bottom: none;
        overflow: visible;
      }
      .services-tab {
        width: 100%;
        text-align: left;
        border: 1px solid transparent;
        background: transparent;
        color: var(--text);
        font-size: 0.9rem;
        font-weight: 700;
        padding: 14px 16px;
        border-radius: 16px;
        cursor: pointer;
        white-space: nowrap;
        box-shadow: none;
        position: relative;
        transition:
          background 0.22s ease,
          color 0.22s ease,
          border-color 0.22s ease,
          transform 0.22s ease;
      }
      .services-tab::after {
        content: "\2192";
        position: absolute;
        right: 16px;
        top: 50%;
        transform: translateY(-50%);
        color: var(--primary);
        opacity: 0.75;
        font-size: 0.9rem;
      }
      .services-tab:hover,
      .services-tab.active {
        background: linear-gradient(135deg, #f8fbff 0%, #eef6ff 100%);
        color: var(--primary-dark);
        border-color: #d9e6f5;
        box-shadow: 0 8px 20px rgba(17, 74, 141, 0.06);
        transform: translateX(2px);
      }
      .services-panels {
        min-height: 250px;
        padding: 0;
      }
      .services-panel {
        display: none;
        background: linear-gradient(180deg, #ffffff 0%, #fbfdff 100%);
        border: 1px solid #e5edf7;
        border-radius: 20px;
        padding: 18px 20px 20px;
        box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.8);
      }
      .services-panel.active {
        display: block;
        animation: fadeInUp 0.28s ease;
      }
      .services-panel-intro {
        margin-bottom: 16px;
      }
      .services-panel-label {
        display: inline-block;
        font-size: 0.72rem;
        font-weight: 800;
        letter-spacing: 0.12em;
        text-transform: uppercase;
        color: var(--primary);
        margin-bottom: 8px;
      }
      .services-panel-intro p {
        margin: 0;
        font-size: 0.94rem;
        line-height: 1.65;
        color: var(--muted);
        max-width: 520px;
      }
      .services-links-grid,
      .services-links-grid-compact {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 10px 18px;
      }
      .services-panel a {
        display: flex;
        align-items: center;
        justify-content: space-between;
        min-height: 44px;
        padding: 10px 0;
        border-radius: 0;
        background: transparent;
        border: none;
        color: var(--text);
        font-size: 0.88rem;
        font-weight: 600;
        line-height: 1.45;
        box-shadow: none;
        border-bottom: 1px solid #eef3f9;
      }
      .services-panel a::after {
        content: "\2192";
        margin-left: 10px;
        color: var(--primary);
        font-weight: 800;
        opacity: 0;
        transform: translateX(-4px);
        transition:
          transform 0.2s ease,
          opacity 0.2s ease;
      }
      .services-panel a:hover {
        transform: none;
        background: transparent;
        border-color: #eef3f9;
        color: var(--primary-dark);
      }
      .services-panel a:hover::after {
        transform: translateX(0);
        opacity: 1;
      }

      .apply {
        background: var(--surface);
        color: var(--text) !important;
        padding: 11px 20px;
        border-radius: 12px;
        font-weight: 700 !important;
        border: 1px solid #c9dcf3;
        box-shadow: 0 10px 24px rgba(17, 74, 141, 0.16);
      }
      .apply:hover {
        background: var(--primary);
      }
      @media (max-width: 1180px) {
        .services-menu {
          width: min(820px, calc(100vw - 32px));
        }
      }
      @media (max-width: 860px) {
        .services-menu {
          width: min(96vw, 420px);
          padding: 14px;
        }
        .services-shell {
          grid-template-columns: 1fr;
          gap: 14px;
        }
        .services-tabs {
          gap: 6px;
        }
        .services-tab {
          padding: 12px 14px;
          font-size: 0.86rem;
        }
        .services-links-grid,
        .services-links-grid-compact {
          grid-template-columns: 1fr;
        }
      }
      .nav-contact {
        color: var(--text);
        font-size: 1rem;
        font-weight: 800;
        white-space: nowrap;
        padding: 11px 18px;
        border-radius: 999px;
        background: #f7fbff;
        border: 1px solid #c9dcf3;
        box-shadow: 0 8px 20px rgba(17, 74, 141, 0.06);
      }
      .nav-contact i {
        margin-right: 8px;
      }
      .nav-contact:hover {
        background: var(--primary);
      }
      .nav-cta {
        background: var(--primary);
        color: #fff !important;
        padding: 11px 20px;
        border-radius: 12px;
        font-weight: 700 !important;
        box-shadow: 0 10px 24px rgba(17, 74, 141, 0.16);
      }
      .nav-cta:hover {
        background: var(--primary-dark) !important;
      }

      .menu-toggle {
        display: none;
        align-items: center;
        justify-content: center;
        width: 42px;
        height: 42px;
        border: 1px solid var(--border);
        border-radius: 12px;
        background: #fff;
        color: var(--primary-dark);
        cursor: pointer;
      }
      .menu-toggle i {
        font-size: 1.1rem;
      }
      .mobile-drawer-overlay {
        position: fixed;
        inset: 0;
        background: rgba(7, 25, 48, 0.45);
        opacity: 0;
        visibility: hidden;
        pointer-events: none;
        transition: 0.28s ease;
        z-index: 180;
      }
      .mobile-drawer {
        position: fixed;
        top: 0;
        right: 0;
        height: 100vh;
        width: min(84vw, 330px);
        background: #fff;
        box-shadow: -14px 0 40px rgba(15, 52, 96, 0.18);
        padding: 22px 20px 28px;
        display: flex;
        flex-direction: column;
        gap: 18px;
        transform: translateX(100%);
        transition: transform 0.28s ease;
        z-index: 190;
      }
      .mobile-drawer.active {
        transform: translateX(0);
      }
      .mobile-drawer-overlay.active {
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
      }
      .drawer-top {
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 12px;
        padding-bottom: 12px;
        border-bottom: 1px solid var(--border);
      }
      .drawer-title {
        font-size: 0.95rem;
        font-weight: 800;
        color: var(--primary-dark);
        text-transform: uppercase;
      }
      .drawer-close {
        width: 40px;
        height: 40px;
        border: none;
        border-radius: 12px;
        background: var(--surface-alt);
        color: var(--primary-dark);
        cursor: pointer;
      }
      .mobile-drawer-links {
        list-style: none;
        display: flex;
        flex-direction: column;
        gap: 10px;
      }
      .mobile-drawer-links a {
        display: block;
        color: var(--text);
        font-size: 1rem;
        font-weight: 700;
        padding: 14px 14px;
        border-radius: 12px;
        background: var(--surface-alt);
      }
      .mobile-dropdown {
        display: flex;
        flex-direction: column;
        gap: 10px;
      }
      .mobile-dropdown-toggle {
        width: 100%;
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 12px;
        border: none;
        background: var(--surface-alt);
        color: var(--text);
        font-size: 1rem;
        font-weight: 700;
        font-family: inherit;
        padding: 14px 14px;
        border-radius: 12px;
        cursor: pointer;
      }
      .mobile-dropdown-toggle i {
        font-size: 0.85rem;
        transition: transform 0.25s ease;
      }
      .mobile-dropdown.active .mobile-dropdown-toggle i {
        transform: rotate(180deg);
      }
      .mobile-dropdown-menu {
        display: none;
        padding-left: 10px;
        gap: 8px;
      }
      .mobile-dropdown.active .mobile-dropdown-menu {
        display: grid;
      }
      .mobile-dropdown-menu a {
        font-size: 0.93rem;
        padding: 12px 14px;
        background: #f8fbff;
        border: 1px solid #e2ebf5;
      }

      .hero {
        position: relative;
        overflow: hidden;
        margin-top: 78px;
        padding: 20px 0 30px;
        background: linear-gradient(
          180deg,
          #f4f9ff 0%,
          #ffffff 62%,
          #f6f9fc 100%
        );
        border-bottom: 1px solid var(--border);
      }
      .hero::before {
        content: "";
        position: absolute;
        top: -120px;
        right: -100px;
        width: 420px;
        height: 420px;
        border-radius: 50%;
        background: radial-gradient(
          circle,
          rgba(17, 74, 141, 0.12) 0%,
          rgba(17, 74, 141, 0) 72%
        );
      }
      .hero::after {
        content: "";
        position: absolute;
        left: 0;
        right: 0;
        top: 0;
        height: 6px;
        background: linear-gradient(90deg, #0c3564, #114a8d, #79bfff);
      }
      .hero-banner {
        width: 98vw;
        margin-left: calc(-50vw + 50%);
        margin: 0 auto 18px;
        border-radius: 18px;
        overflow: hidden;
        line-height: 0;
        box-shadow: 0 10px 28px rgba(17, 74, 141, 0.08);
        border: 1px solid #dce8f6;
        background: #fff;
      }
      .hero-banner img {
        display: block;
        width: 100%;
        height: auto;
        max-height: 440px;
        object-fit: cover;
        object-position: center;
      }
      @media (max-width: 768px) {
        .hero-banner img {
          height: 160px;
        }
      }
      .hero-main {
        width: min(1200px, calc(100% - 48px));
        margin: 0 auto;
        display: grid;
        grid-template-columns: minmax(0, 1.45fr) 390px;
        gap: 26px;
        align-items: stretch;
      }
      .hero-content {
        background: #fff;
        border: 1px solid var(--border);
        border-radius: 18px;
        padding: 42px;
        box-shadow: 0 14px 34px rgba(17, 74, 141, 0.08);
        position: relative;
        z-index: 1;
      }
      .hero-content::before {
        content: "";
        position: absolute;
        inset: 0 0 auto 0;
        height: 5px;
        border-radius: 18px 18px 0 0;
        background: linear-gradient(90deg, #114a8d, #79bfff);
      }
      .hero-badge {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        background: var(--primary-light);
        border: 1px solid #cfe1f5;
        color: var(--primary);
        font-size: 0.8rem;
        font-weight: 800;
        letter-spacing: 0.08em;
        text-transform: uppercase;
        padding: 10px 14px;
        border-radius: 999px;
        margin-bottom: 18px;
      }
      .hero h1 {
        font-family: "DM Sans", sans-serif;
        font-size: clamp(2.3rem, 5vw, 3.75rem);
        font-weight: 800;
        line-height: 1.08;
        color: var(--primary-dark);
        margin-bottom: 16px;
      }
      .hero h1 em {
        font-style: normal;
        color: var(--primary);
        display: inline;
      }
      .hero p {
        font-size: 1.02rem;
        color: var(--muted);
        line-height: 1.75;
        margin-bottom: 22px;
        max-width: 700px;
      }
      .hero-actions {
        display: flex;
        gap: 14px;
        flex-wrap: wrap;
        margin-bottom: 18px;
        margin-top: 15px;
      }
      .portal-points {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 10px;
        margin-top: 8px;
      }
      .portal-points li {
        list-style: none;
        display: flex;
        align-items: flex-start;
        gap: 10px;
        padding: 12px 14px;
        background: #f7fbff;
        border: 1px solid #d7e5f5;
        border-radius: 14px;
        color: var(--text);
        font-size: 0.92rem;
        font-weight: 600;
      }
      .portal-points li::before {
        content: "✓";
        width: 20px;
        height: 20px;
        border-radius: 50%;
        background: #e8f5ef;
        color: var(--success);
        display: inline-flex;
        align-items: center;
        justify-content: center;
        font-size: 0.72rem;
        font-weight: 800;
        flex-shrink: 0;
        margin-top: 1px;
      }
      .btn-primary,
      .btn-outline {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        padding: 14px 22px;
        border-radius: 12px;
        font-size: 0.98rem;
        font-weight: 700;
        transition: 0.25s ease;
      }
      .btn-primary {
        background: var(--primary);
        color: #fff;
        box-shadow: 0 10px 24px rgba(17, 74, 141, 0.16);
      }
      .btn-primary:hover {
        background: var(--primary-dark);
        transform: translateY(-2px);
      }
      .btn-outline {
        background: #fff;
        color: var(--primary-dark);
        border: 1px solid #c9dcf3;
      }
      .btn-outline:hover {
        border-color: var(--primary);
        color: var(--primary);
      }

      .hero-stats {
        width: min(1200px, calc(100% - 48px));
        margin: 18px auto 0;
        display: grid;
        grid-template-columns: repeat(4, minmax(0, 1fr));
        gap: 14px;
      }
      .stat-item {
        background: #fff;
        border: 1px solid var(--border);
        border-radius: 14px;
        padding: 18px 16px;
        text-align: left;
        box-shadow: 0 8px 24px rgba(17, 74, 141, 0.05);
      }
      .stat-number {
        display: block;
        font-family: "DM Sans", sans-serif;
        font-size: 1.5rem;
        font-weight: 800;
        color: var(--primary-dark);
        line-height: 1;
      }
      .stat-label {
        display: block;
        font-size: 0.82rem;
        color: var(--muted);
        margin-top: 8px;
        letter-spacing: 0;
        text-transform: none;
      }

      .hero-float-card {
        width: 100%;
        min-height: 100%;
        background: linear-gradient(180deg, #123e73 0%, #0d315c 100%);
        border: 1px solid rgba(255, 255, 255, 0.14);
        border-radius: 18px;
        padding: 36px;
        box-shadow: 0 18px 42px rgba(12, 53, 100, 0.22);
        color: #fff;
        position: relative;
        overflow: hidden;
      }
      .hero-float-card::after {
        content: "";
        position: absolute;
        inset: auto -60px -60px auto;
        width: 180px;
        height: 180px;
        border-radius: 50%;
        background: rgba(255, 255, 255, 0.06);
      }
      .float-card-title {
        font-size: 0.76rem;
        text-transform: uppercase;
        letter-spacing: 0.12em;
        color: rgba(255, 255, 255, 0.68);
        margin-bottom: 12px;
      }
      .float-card-amount {
        font-size: 2.1rem;
        font-weight: 800;
        color: #fff;
        margin-bottom: 6px;
      }
      .float-card-sub {
        font-size: 0.86rem;
        color: #bde9dd;
        margin-bottom: 18px;
      }
      .float-mini-note {
        margin-top: 16px;
        padding: 12px 14px;
        border-radius: 12px;
        background: rgba(255, 255, 255, 0.08);
        border: 1px solid rgba(255, 255, 255, 0.1);
        font-size: 0.84rem;
        color: rgba(255, 255, 255, 0.86);
      }
      .float-card-row {
        display: flex;
        justify-content: space-between;
        padding: 12px 0;
        border-top: 1px solid rgba(255, 255, 255, 0.1);
      }
      .float-card-row span:first-child {
        color: rgba(255, 255, 255, 0.72);
        font-size: 0.88rem;
      }
      .float-card-row span:last-child {
        color: #fff;
        font-size: 0.9rem;
        font-weight: 700;
      }
      .float-progress {
        margin-top: 18px;
      }
      .progress-label {
        display: flex;
        justify-content: space-between;
        margin-bottom: 8px;
        font-size: 0.8rem;
        color: rgba(255, 255, 255, 0.72);
      }
      .progress-bar {
        height: 8px;
        background: rgba(255, 255, 255, 0.1);
        border-radius: 999px;
        overflow: hidden;
      }
      .progress-fill {
        height: 100%;
        width: 65%;
        background: linear-gradient(90deg, #7cc6ff, #17c593);
        border-radius: 999px;
      }

      .section-header {
        text-align: center;
        margin-bottom: 42px;
      }
      .section-label {
        display: inline-block;
        font-size: 0.86rem;
        font-weight: 800;
        text-transform: uppercase;
        letter-spacing: 0.12em;
        color: var(--primary);
        background: var(--primary-light);
        border: 1px solid #d3e3f6;
        padding: 8px 12px;
        border-radius: 999px;
        margin-bottom: 14px;
      }
      .section-title {
        font-family: "DM Sans", sans-serif;
        font-size: clamp(1.9rem, 3vw, 2.8rem);
        font-weight: 800;
        color: var(--primary-dark);
        line-height: 1.18;
      }
      .section-desc {
        font-size: 1rem;
        color: var(--muted);
        margin-top: 12px;
        max-width: 720px;
        margin-left: auto;
        margin-right: auto;
        line-height: 1.75;
      }

      .loans-section,
      .how-section,
      .calc-section,
      .testimonials-section,
      .cta-section {
        padding: 82px 24px;
      }
      .loans-grid,
      .steps-grid,
      .testimonials-grid {
        max-width: 1200px;
        margin: 0 auto;
      }

      .loans-carousel {
        max-width: 1200px;
        margin: 0 auto;
        overflow-x: auto;
        overflow-y: hidden;
        padding: 4px 4px 14px;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;
        touch-action: pan-x;
        cursor: grab;
      }
      .loans-carousel::-webkit-scrollbar {
        display: none;
      }
      .loans-grid {
        display: flex;
        gap: 26px;
        width: max-content;
      }
      .loan-card {
        width: min(360px, calc(100vw - 68px));
        flex: 0 0 min(360px, calc(100vw - 68px));
        scroll-snap-align: start;
        scroll-snap-stop: always;
        position: relative;
        background: #ffffff;
        border: 1px solid #dce7f3;
        border-radius: 28px;
        overflow: hidden;
        box-shadow: 0 18px 42px rgba(17, 74, 141, 0.08);
        transition:
          transform 0.3s ease,
          box-shadow 0.3s ease,
          border-color 0.3s ease;
        display: flex;
        flex-direction: column;
      }
      .loan-card:hover {
        transform: translateY(-8px);
        box-shadow: 0 28px 56px rgba(17, 74, 141, 0.14);
        border-color: #bfd4ea;
      }
      .loan-media {
        position: relative;
        height: 220px;
        display: flex;
        align-items: center;
        justify-content: center;
        overflow: hidden;
      }
      .loan-media::before {
        content: "";
        position: absolute;
        inset: 0;
        background:
          radial-gradient(
            circle at 20% 20%,
            rgba(255, 255, 255, 0.3),
            transparent 42%
          ),
          radial-gradient(
            circle at 80% 0%,
            rgba(255, 255, 255, 0.2),
            transparent 36%
          ),
          linear-gradient(
            145deg,
            rgba(255, 255, 255, 0.06),
            rgba(255, 255, 255, 0.02)
          );
      }
      .loan-media::after {
        content: "";
        position: absolute;
        width: 280px;
        height: 280px;
        border-radius: 50%;
        right: -70px;
        bottom: -140px;
        background: rgba(255, 255, 255, 0.12);
      }
      .loan-card.personal .loan-media {
        background: linear-gradient(135deg, #0f4c97 0%, #1d74db 100%);
      }
      .loan-card.home .loan-media {
        background: linear-gradient(135deg, #0f766e 0%, #22b3a2 100%);
      }
      .loan-card.auto .loan-media {
        background: linear-gradient(135deg, #5b21b6 0%, #8b5cf6 100%);
      }
      .loan-card.lap .loan-media {
        background: linear-gradient(135deg, #b45309 0%, #f59e0b 100%);
      }
      .loan-card.business .loan-media {
        background: linear-gradient(135deg, #c2410c 0%, #f97316 100%);
      }
      .loan-card.cash-credit .loan-media {
        background: linear-gradient(135deg, #065f46 0%, #10b981 100%);
      }
      .loan-card.overdraft .loan-media {
        background: linear-gradient(135deg, #1d4ed8 0%, #60a5fa 100%);
      }
      .loan-card.used-car .loan-media {
        background: linear-gradient(135deg, #7c2d12 0%, #fb923c 100%);
      }
      .loan-card.car .loan-media {
        background: linear-gradient(135deg, #5b21b6 0%, #a78bfa 100%);
      }
      .loan-card.education .loan-media {
        background: linear-gradient(135deg, #0f766e 0%, #34d399 100%);
      }
      .loan-card.commercial-vehicle .loan-media {
        background: linear-gradient(135deg, #9a3412 0%, #fb7185 100%);
      }
      .loan-card.health-insurance .loan-media {
        background: linear-gradient(135deg, #0f766e 0%, #14b8a6 100%);
      }
      .loan-card.vehicle-insurance .loan-media {
        background: linear-gradient(135deg, #1d4ed8 0%, #60a5fa 100%);
      }
      .loan-card.equipment-insurance .loan-media {
        background: linear-gradient(135deg, #7c2d12 0%, #f97316 100%);
      }
      .loan-card.mutual-fund .loan-media {
        background: linear-gradient(135deg, #5b21b6 0%, #8b5cf6 100%);
      }
      .loan-card.share-market .loan-media {
        background: linear-gradient(135deg, #0f4c97 0%, #22c55e 100%);
      }
      .loan-card.real-estate-investment .loan-media {
        background: linear-gradient(135deg, #114a8d 0%, #22b3a2 100%);
      }
      .loan-symbol {
        position: relative;
        z-index: 1;
        width: 92px;
        height: 92px;
        border-radius: 24px;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 2.4rem;
        color: #fff;
        background: rgba(255, 255, 255, 0.16);
        backdrop-filter: blur(6px);
        box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.14);
      }
      .loan-media-tag {
        position: absolute;
        left: 18px;
        top: 18px;
        z-index: 1;
        display: inline-flex;
        align-items: center;
        gap: 8px;
        padding: 8px 14px;
        border-radius: 999px;
        background: rgba(255, 255, 255, 0.14);
        border: 1px solid rgba(255, 255, 255, 0.18);
        color: #fff;
        font-size: 0.76rem;
        font-weight: 700;
        letter-spacing: 0.04em;
      }
      .loan-content {
        padding: 26px 24px 24px;
        display: flex;
        flex-direction: column;
        flex: 1;
        text-align: center;
      }
      .loan-name {
        font-family: "DM Sans", sans-serif;
        font-size: 1.32rem;
        font-weight: 800;
        color: var(--primary-dark);
        margin-bottom: 10px;
      }
      .loan-desc {
        font-size: 0.95rem;
        color: var(--muted);
        line-height: 1.72;
        margin-bottom: 22px;
      }
      .loan-cta {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        gap: 8px;
        width: 100%;
        margin-top: auto;
        padding: 14px 18px;
        border-radius: 14px;
        background: #ffffff;
        color: var(--primary-dark);
        border: 1px solid #d8e5f2;
        font-size: 0.95rem;
        font-weight: 800;
        box-shadow: 0 10px 24px rgba(17, 74, 141, 0.06);
        transition:
          transform 0.25s ease,
          border-color 0.25s ease,
          color 0.25s ease;
      }
      .loan-cta:hover {
        transform: translateY(-2px);
        border-color: var(--primary);
        color: var(--primary);
      }
      .loan-cta-arrow {
        font-size: 1rem;
        line-height: 1;
      }
      .loan-card.wide {
        grid-column: span 1;
      }
      .loans-toolbar {
        max-width: 1200px;
        margin: 0 auto 16px;
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 16px;
      }
      .loans-swipe-hint {
        display: flex;
        align-items: center;
        font-size: 0.84rem;
        font-weight: 700;
        color: var(--muted);
      }
      .loans-nav {
        display: flex;
        align-items: center;
        gap: 10px;
      }
      .loans-nav-btn {
        width: 46px;
        height: 46px;
        border-radius: 14px;
        border: 1px solid #d8e5f2;
        background: #fff;
        color: var(--primary-dark);
        display: inline-flex;
        align-items: center;
        justify-content: center;
        font-size: 1.08rem;
        cursor: pointer;
        box-shadow: 0 10px 24px rgba(17, 74, 141, 0.06);
        transition:
          transform 0.25s ease,
          border-color 0.25s ease,
          color 0.25s ease;
      }
      .loans-nav-btn:hover {
        transform: translateY(-2px);
        border-color: var(--primary);
        color: var(--primary);
      }

      .process-wheel-wrap {
        max-width: 1200px;
        margin: 0 auto;
        padding: 20px 0 10px;
      }

      .process-wheel {
        position: relative;
        width: 900px;
        height: 900px;
        margin: 0 auto;
        border-radius: 50%;
      }

      .process-wheel::before {
        content: "";
        position: absolute;
        inset: 120px;
        border: 2px dashed #cfe0f2;
        border-radius: 50%;
      }

      .wheel-center {
        position: absolute;
        top: 50%;
        left: 50%;
        width: 200px;
        height: 200px;
        transform: translate(-50%, -50%);
        border-radius: 50%;
        background: linear-gradient(135deg, #114a8d 0%, #22b3a2 100%);
        color: #fff;
        display: flex;
        align-items: center;
        justify-content: center;
        text-align: center;
        box-shadow: 0 20px 45px rgba(17, 74, 141, 0.18);
        font-size: 1.35rem;
        font-weight: 800;
        line-height: 1.4;
        padding: 20px;
      }

      .process-step {
        position: absolute;
        width: 240px;
        min-height: 190px;
        background: #fff;
        border: 1px solid #dbe6f3;
        border-radius: 24px;
        padding: 22px 20px;
        text-align: center;
        box-shadow: 0 14px 34px rgba(17, 74, 141, 0.08);
        transition:
          transform 0.3s ease,
          box-shadow 0.3s ease;
      }

      .process-step:hover {
        transform: translateY(-8px);
        box-shadow: 0 24px 46px rgba(17, 74, 141, 0.14);
      }

      .process-step-num {
        width: 52px;
        height: 52px;
        margin: 0 auto 14px;
        border-radius: 16px;
        background: #114a8d;
        color: #fff;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 1rem;
        font-weight: 800;
      }

      .process-step h3 {
        font-size: 1.02rem;
        font-weight: 800;
        color: #0c3564;
        margin-bottom: 8px;
      }

      .process-step p {
        font-size: 0.9rem;
        line-height: 1.65;
        color: #64748b;
      }

      /* Positions */
      .step-1 {
        top: 0;
        left: 50%;
        transform: translateX(-50%);
      }

      .step-2 {
        top: 170px;
        right: 30px;
      }

      .step-3 {
        bottom: 170px;
        right: 30px;
      }

      .step-4 {
        bottom: 0;
        left: 50%;
        transform: translateX(-50%);
      }

      .step-5 {
        top: 50%;
        left: 30px;
        transform: translateY(-50%);
      }

      .step-1:hover,
      .step-4:hover {
        transform: translateX(-50%) translateY(-8px);
      }

      .step-5:hover {
        transform: translateY(-50%) translateY(-8px);
      }

      @media (max-width: 1024px) {
        .process-wheel {
          width: 100%;
          height: auto;
          display: grid;
          grid-template-columns: repeat(2, minmax(0, 1fr));
          gap: 18px;
        }

        .process-wheel::before,
        .wheel-center {
          display: none;
        }

        .process-step {
          position: static;
          width: 100%;
          min-height: auto;
          transform: none !important;
        }

        .step-1,
        .step-2,
        .step-3,
        .step-4,
        .step-5 {
          top: auto;
          right: auto;
          bottom: auto;
          left: auto;
        }
      }

      @media (max-width: 640px) {
        .process-wheel {
          grid-template-columns: 1fr;
        }
      }

      .calc-wrapper {
        max-width: 1160px;
        margin: 0 auto;
        background: linear-gradient(145deg, #ffffff 0%, #f8fbff 100%);
        border: 1px solid #dce8f5;
        border-radius: 28px;
        padding: 18px;
        display: grid;
        grid-template-columns: 1.04fr 0.96fr;
        gap: 20px;
        align-items: stretch;
        box-shadow: 0 22px 55px rgba(17, 74, 141, 0.12);
      }
      .calc-inputs {
        background: #ffffff;
        border: 1px solid #e5edf7;
        border-radius: 22px;
        padding: 30px;
      }
      .calc-title {
        font-family: "DM Sans", sans-serif;
        font-size: 1.9rem;
        font-weight: 800;
        color: var(--primary-dark);
        margin-bottom: 8px;
      }
      .calc-sub {
        color: var(--muted);
        font-size: 0.98rem;
        margin-bottom: 24px;
        line-height: 1.7;
      }
      .field-group {
        margin-bottom: 22px;
        padding: 16px 18px;
        background: #f8fbff;
        border: 1px solid #e0ebf7;
        border-radius: 18px;
      }
      .field-label {
        font-size: 0.78rem;
        font-weight: 800;
        text-transform: uppercase;
        letter-spacing: 0.09em;
        color: var(--muted);
        margin-bottom: 12px;
        display: flex;
        justify-content: space-between;
        gap: 12px;
      }
      .field-label span {
        color: var(--primary);
        font-size: 0.92rem;
        letter-spacing: 0;
        text-transform: none;
      }
      input[type="range"] {
        width: 100%;
        appearance: none;
        height: 10px;
        background: linear-gradient(90deg, #dbe9f8, #edf5ff);
        border-radius: 999px;
        outline: none;
      }
      input[type="range"]::-webkit-slider-thumb {
        appearance: none;
        width: 22px;
        height: 22px;
        border-radius: 50%;
        background: linear-gradient(135deg, var(--primary), #1b6fcb);
        cursor: pointer;
        border: 4px solid #fff;
        box-shadow: 0 0 0 3px #bfd8f2;
      }
      .calc-mini-grid {
        display: grid;
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 12px;
        margin-top: 6px;
      }
      .calc-mini-card {
        background: linear-gradient(180deg, #f7fbff 0%, #eef6ff 100%);
        border: 1px solid #dbe8f6;
        border-radius: 16px;
        padding: 14px;
      }
      .calc-mini-label {
        display: block;
        font-size: 0.72rem;
        color: var(--muted);
        text-transform: uppercase;
        letter-spacing: 0.08em;
        margin-bottom: 6px;
      }
      .calc-mini-value {
        display: block;
        font-size: 1rem;
        font-weight: 800;
        color: var(--primary-dark);
      }
      .result-box {
        background: linear-gradient(
          180deg,
          #123e73 0%,
          #0d315c 60%,
          #0a294d 100%
        );
        border: 1px solid rgba(255, 255, 255, 0.08);
        border-radius: 24px;
        padding: 30px;
        color: #fff;
        position: relative;
        overflow: hidden;
        display: flex;
        flex-direction: column;
        justify-content: space-between;
      }
      .result-box::before {
        content: "";
        position: absolute;
        top: -70px;
        right: -60px;
        width: 220px;
        height: 220px;
        border-radius: 50%;
        background: rgba(255, 255, 255, 0.06);
      }
      .result-pill {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        align-self: flex-start;
        background: rgba(255, 255, 255, 0.1);
        border: 1px solid rgba(255, 255, 255, 0.12);
        border-radius: 999px;
        padding: 8px 12px;
        font-size: 0.75rem;
        font-weight: 800;
        letter-spacing: 0.08em;
        text-transform: uppercase;
        color: #d8eaff;
        margin-bottom: 18px;
        position: relative;
        z-index: 1;
      }
      .result-label {
        font-size: 0.8rem;
        text-transform: uppercase;
        letter-spacing: 0.12em;
        color: rgba(255, 255, 255, 0.72);
        margin-bottom: 10px;
        position: relative;
        z-index: 1;
      }
      .result-emi {
        font-family: "DM Sans", sans-serif;
        font-size: 3.2rem;
        font-weight: 800;
        color: #fff;
        margin-bottom: 8px;
        line-height: 1;
        position: relative;
        z-index: 1;
      }
      .result-sub {
        font-size: 0.9rem;
        color: rgba(255, 255, 255, 0.76);
        margin-bottom: 22px;
        position: relative;
        z-index: 1;
      }
      .emi-meter {
        position: relative;
        z-index: 1;
        margin-bottom: 22px;
      }
      .emi-meter-top {
        display: flex;
        justify-content: space-between;
        gap: 12px;
        font-size: 0.84rem;
        color: rgba(255, 255, 255, 0.8);
        margin-bottom: 8px;
      }
      .emi-meter-bar {
        height: 10px;
        background: rgba(255, 255, 255, 0.12);
        border-radius: 999px;
        overflow: hidden;
      }
      .emi-meter-fill {
        height: 100%;
        width: 22%;
        background: linear-gradient(90deg, #79bfff, #22c493);
        border-radius: 999px;
      }
      .result-breakdown {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 14px;
        margin-bottom: 18px;
        position: relative;
        z-index: 1;
      }
      .breakdown-item {
        background: rgba(255, 255, 255, 0.08);
        border: 1px solid rgba(255, 255, 255, 0.08);
        border-radius: 16px;
        padding: 14px;
      }
      .breakdown-item .b-label {
        font-size: 0.72rem;
        text-transform: uppercase;
        letter-spacing: 0.08em;
        color: rgba(255, 255, 255, 0.68);
        margin-bottom: 5px;
      }
      .breakdown-item .b-value {
        font-size: 1rem;
        font-weight: 800;
        color: #fff;
      }
      .result-note {
        position: relative;
        z-index: 1;
        margin-top: 6px;
        font-size: 0.83rem;
        line-height: 1.65;
        color: rgba(255, 255, 255, 0.74);
      }

      .testimonials-grid {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 22px;
      }
      .testimonial-card {
        background: #fff;
        border: 1px solid var(--border);
        border-radius: 22px;
        padding: 28px;
        transition: 0.28s ease;
        box-shadow: 0 8px 24px rgba(17, 74, 141, 0.05);
      }
      .testimonial-card:hover {
        transform: translateY(-4px);
        box-shadow: var(--shadow);
      }
      .stars {
        color: var(--accent);
        font-size: 1rem;
        margin-bottom: 14px;
        letter-spacing: 2px;
      }
      .testimonial-text {
        font-size: 0.95rem;
        color: var(--muted);
        line-height: 1.75;
        margin-bottom: 22px;
        font-style: normal;
      }
      .testimonial-author {
        display: flex;
        align-items: center;
        gap: 12px;
      }
      .author-avatar {
        width: 46px;
        height: 46px;
        border-radius: 50%;
        display: flex;
        align-items: center;
        justify-content: center;
        font-weight: 800;
        font-size: 1rem;
        flex-shrink: 0;
        background: var(--primary-light);
        color: var(--primary);
      }
      .author-name {
        font-weight: 800;
        font-size: 0.95rem;
        color: var(--primary-dark);
      }
      .author-loan {
        font-size: 0.8rem;
        color: var(--muted);
        margin-top: 2px;
      }

      .cta-banner {
        max-width: 1200px;
        margin: 0 auto;
        background: linear-gradient(
          135deg,
          #0b2a4d 0%,
          #114a8d 55%,
          #1f7fe5 100%
        );
        border: 1px solid rgba(255, 255, 255, 0.1);
        border-radius: 32px;
        padding: 34px;
        position: relative;
        overflow: hidden;
        box-shadow: 0 26px 60px rgba(17, 74, 141, 0.18);
      }
      .cta-banner::before {
        content: "";
        position: absolute;
        right: -70px;
        top: -70px;
        width: 240px;
        height: 240px;
        border-radius: 50%;
        background: rgba(255, 255, 255, 0.08);
      }
      .cta-banner::after {
        content: "";
        position: absolute;
        left: -40px;
        bottom: -80px;
        width: 220px;
        height: 220px;
        border-radius: 50%;
        background: rgba(255, 255, 255, 0.06);
      }
      .cta-grid {
        position: relative;
        z-index: 1;
        display: grid;
        grid-template-columns: minmax(0, 1.15fr) minmax(320px, 0.85fr);
        gap: 26px;
        align-items: stretch;
      }
      .cta-content {
        position: relative;
        z-index: 1;
      }
      .cta-kicker {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        padding: 8px 12px;
        border-radius: 999px;
        background: rgba(255, 255, 255, 0.12);
        border: 1px solid rgba(255, 255, 255, 0.12);
        color: #dbeaff;
        font-size: 0.76rem;
        font-weight: 800;
        letter-spacing: 0.08em;
        text-transform: uppercase;
        margin-bottom: 16px;
      }
      .cta-title {
        font-family: "DM Sans", sans-serif;
        font-size: 2.2rem;
        font-weight: 800;
        color: #fff;
        margin-bottom: 12px;
        line-height: 1.18;
      }
      .cta-title span {
        color: #cde8ff;
      }
      .cta-p {
        font-size: 1rem;
        color: rgba(255, 255, 255, 0.82);
        max-width: 620px;
        line-height: 1.75;
        margin-bottom: 22px;
      }
      .cta-trust-grid {
        display: grid;
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 12px;
      }
      .cta-trust-item {
        background: rgba(255, 255, 255, 0.1);
        border: 1px solid rgba(255, 255, 255, 0.1);
        border-radius: 16px;
        padding: 14px;
      }
      .cta-trust-item strong {
        display: block;
        color: #fff;
        font-size: 1rem;
        font-weight: 800;
        margin-bottom: 4px;
      }
      .cta-trust-item span {
        display: block;
        color: rgba(255, 255, 255, 0.75);
        font-size: 0.84rem;
        line-height: 1.55;
      }
      .cta-actions {
        position: relative;
        z-index: 1;
        display: flex;
        flex-direction: column;
        justify-content: space-between;
        gap: 16px;
      }
      .cta-panel {
        background: rgba(255, 255, 255, 0.12);
        border: 1px solid rgba(255, 255, 255, 0.14);
        border-radius: 24px;
        padding: 24px;
        backdrop-filter: blur(8px);
      }
      .cta-panel-title {
        font-size: 1.18rem;
        font-weight: 800;
        color: #fff;
        margin-bottom: 8px;
      }
      .cta-panel p {
        color: rgba(255, 255, 255, 0.8);
        font-size: 0.94rem;
        line-height: 1.7;
        margin-bottom: 16px;
      }
      .cta-button-stack {
        display: grid;
        gap: 12px;
      }
      .cta-button-stack .btn-primary,
      .cta-button-stack .btn-outline {
        width: 100%;
      }
      .cta-button-stack .btn-outline {
        background: rgba(255, 255, 255, 0.12);
        color: #fff;
        border-color: rgba(255, 255, 255, 0.18);
      }
      .cta-note {
        font-size: 0.82rem;
        color: rgba(255, 255, 255, 0.74);
        text-align: center;
        line-height: 1.6;
      }

      footer {
        padding: 56px 24px 30px;
        background: #fff;
        border-top: 1px solid var(--border);
      }
      .footer-top {
        max-width: 1200px;
        margin: 0 auto 34px;
        display: grid;
        grid-template-columns: 1.1fr 0.95fr 0.95fr;
        gap: 28px;
      }
      .footer-brand {
        max-width: 320px;
      }
      .footer-brand img {
        width: 200px;
        height: auto;
      }
      .footer-tagline {
        font-size: 0.92rem;
        color: var(--muted);
        margin-top: 12px;
        line-height: 1.7;
      }
      .footer-contact-card {
        background: #f8fbff;
        border: 1px solid var(--border);
        border-radius: 22px;
        padding: 22px;
        box-shadow: 0 10px 28px rgba(17, 74, 141, 0.05);
      }
      .footer-contact-list {
        list-style: none;
        display: grid;
        gap: 14px;
      }
      .footer-contact-list li {
        display: flex;
        align-items: flex-start;
        gap: 12px;
        color: var(--muted);
        font-size: 0.92rem;
        line-height: 1.7;
      }
      .footer-contact-list i {
        width: 40px;
        height: 40px;
        border-radius: 12px;
        display: inline-flex;
        align-items: center;
        justify-content: center;
        background: var(--primary-light);
        color: var(--primary);
        flex-shrink: 0;
      }
      .footer-contact-list strong {
        display: block;
        color: var(--primary-dark);
        margin-bottom: 2px;
        font-size: 0.95rem;
      }
      .footer-contact-list a {
        color: var(--muted);
      }
      .footer-contact-list a:hover {
        color: var(--primary);
      }
      .footer-col h4 {
        font-size: 0.8rem;
        text-transform: uppercase;
        letter-spacing: 0.12em;
        color: var(--primary);
        margin-bottom: 14px;
      }
      .footer-links {
        list-style: none;
        display: flex;
        flex-direction: column;
        gap: 10px;
      }
      .footer-links a {
        color: var(--muted);
        font-size: 0.9rem;
        transition: color 0.25s ease;
      }
      .footer-links a:hover {
        color: var(--primary);
      }
      .footer-bottom {
        max-width: 1200px;
        margin: 0 auto;
        border-top: 1px solid var(--border);
        padding-top: 20px;
        display: flex;
        justify-content: center;
        align-items: center;
        text-align: center;
        font-size: 0.82rem;
        color: var(--muted);
        flex-wrap: wrap;
        gap: 12px;
      }
      .footer-legal {
        display: flex;
        gap: 18px;
      }
      .footer-legal a {
        color: var(--muted);
      }
      .footer-legal a:hover {
        color: var(--primary);
      }

      .social-float {
        position: fixed;
        right: 18px;
        bottom: 88px;
        z-index: 1000;
        display: flex;
        flex-direction: column;
        gap: 10px;
      }
      .social-float a {
        width: 46px;
        height: 46px;
        border-radius: 14px;
        display: flex;
        align-items: center;
        justify-content: center;
        color: #fff;
        font-size: 18px;
        box-shadow: 0 12px 26px rgba(12, 53, 100, 0.16);
      }
      .social-facebook {
        background: #1877f2;
      }
      .social-instagram {
        background: linear-gradient(135deg, #f58529, #dd2a7b, #8134af, #515bd4);
      }
      .social-whatsapp {
        background: #25d366;
      }
      .social-twitter {
        background: #111827;
      }
      .social-linkedin {
        background: #0a66c2;
      }

      @keyframes fadeInUp {
        from {
          opacity: 0;
          transform: translateY(18px);
        }
        to {
          opacity: 1;
          transform: translateY(0);
        }
      }
      @keyframes floatCard {
        from {
          opacity: 0;
          transform: translateY(14px);
        }
        to {
          opacity: 1;
          transform: translateY(0);
        }
      }
      @keyframes floatAnim {
        0%,
        100% {
          transform: translateY(0);
        }
        50% {
          transform: translateY(-8px);
        }
      }

      .loan-modal {
        position: fixed;
        inset: 0;
        z-index: 2000;
        display: flex;
        align-items: center;
        justify-content: center;
        padding: 24px;
        opacity: 0;
        visibility: hidden;
        pointer-events: none;
        transition:
          opacity 0.28s ease,
          visibility 0.28s ease;
      }
      .loan-modal.active {
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
      }
      .loan-modal-overlay {
        position: absolute;
        inset: 0;
        background: rgba(7, 25, 48, 0.54);
        backdrop-filter: blur(5px);
      }
      .loan-modal-dialog {
        position: relative;
        z-index: 1;
        width: min(100%, 980px);
        background: #fff;
        border-radius: 28px;
        overflow: hidden;
        box-shadow: 0 30px 90px rgba(0, 0, 0, 0.22);
        display: grid;
        grid-template-columns: 0.95fr 1.05fr;
        transform: translateY(18px) scale(0.98);
        transition: transform 0.28s ease;
      }
      .loan-modal.active .loan-modal-dialog {
        transform: translateY(0) scale(1);
      }
      .loan-modal-side {
        background: linear-gradient(180deg, #123e73 0%, #0d315c 100%);
        color: #fff;
        padding: 40px 32px;
        position: relative;
        overflow: hidden;
      }
      .loan-modal-side::before,
      .loan-modal-side::after {
        content: "";
        position: absolute;
        border-radius: 50%;
        background: rgba(255, 255, 255, 0.08);
      }
      .loan-modal-side::before {
        width: 220px;
        height: 220px;
        top: -90px;
        right: -80px;
      }
      .loan-modal-side::after {
        width: 180px;
        height: 180px;
        bottom: -90px;
        left: -70px;
      }
      .modal-kicker {
        display: inline-flex;
        align-items: center;
        gap: 8px;
        padding: 8px 14px;
        border-radius: 999px;
        background: rgba(255, 255, 255, 0.1);
        color: #dbeaff;
        font-size: 0.78rem;
        letter-spacing: 0.08em;
        text-transform: uppercase;
        margin-bottom: 16px;
      }
      .loan-modal-side h3 {
        font-family: "DM Sans", sans-serif;
        font-size: 1.9rem;
        line-height: 1.2;
        margin-bottom: 12px;
      }
      .loan-modal-side p {
        color: rgba(255, 255, 255, 0.78);
        line-height: 1.7;
        font-size: 0.95rem;
        margin-bottom: 20px;
      }
      .modal-benefits {
        list-style: none;
        display: grid;
        gap: 12px;
      }
      .modal-benefits li {
        display: flex;
        align-items: center;
        gap: 10px;
        font-size: 0.92rem;
        color: rgba(255, 255, 255, 0.92);
      }
      .modal-benefits li::before {
        content: "✓";
        width: 22px;
        height: 22px;
        border-radius: 50%;
        display: inline-flex;
        align-items: center;
        justify-content: center;
        background: rgba(255, 255, 255, 0.14);
        color: #cce6ff;
        font-size: 0.8rem;
        flex-shrink: 0;
      }
      .loan-modal-form-wrap {
        position: relative;
        padding: 32px;
      }
      .loan-modal-close {
        position: absolute;
        top: 18px;
        right: 18px;
        width: 42px;
        height: 42px;
        border: none;
        border-radius: 50%;
        background: var(--surface-alt);
        color: var(--primary-dark);
        font-size: 1.35rem;
        cursor: pointer;
      }
      .loan-modal-head h3 {
        font-family: "DM Sans", sans-serif;
        font-size: 1.7rem;
        color: var(--primary-dark);
        margin-bottom: 8px;
        font-weight: 800;
      }
      .loan-modal-head p {
        color: var(--muted);
        font-size: 0.95rem;
        line-height: 1.7;
        margin-bottom: 20px;
        max-width: 520px;
      }
      .loan-form-grid {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 16px;
      }
      .loan-form-field {
        display: flex;
        flex-direction: column;
        gap: 8px;
      }
      .loan-form-field.full {
        grid-column: span 2;
      }
      .loan-form-field label {
        font-size: 0.82rem;
        font-weight: 800;
        color: #36506b;
      }
      .loan-form-field input,
      .loan-form-field select {
        width: 100%;
        border: 1px solid var(--border);
        background: #fff;
        border-radius: 14px;
        padding: 14px 16px;
        font-size: 0.95rem;
        color: var(--text);
        outline: none;
      }
      .loan-form-field input:focus,
      .loan-form-field select:focus {
        border-color: #92bfe9;
        box-shadow: 0 0 0 4px rgba(17, 74, 141, 0.08);
      }
      .loan-form-actions {
        display: flex;
        align-items: center;
        gap: 14px;
        flex-wrap: wrap;
        margin-top: 22px;
      }
      .loan-submit {
        border: none;
        padding: 15px 26px;
        border-radius: 14px;
        background: var(--primary);
        color: #fff;
        font-weight: 800;
        font-size: 0.96rem;
        cursor: pointer;
        box-shadow: 0 12px 30px rgba(17, 74, 141, 0.18);
      }
      .loan-form-note {
        font-size: 0.82rem;
        color: var(--muted);
      }
      .loan-form-status {
        display: none;
        margin-top: 14px;
        padding: 12px 14px;
        border-radius: 12px;
        font-size: 0.88rem;
        font-weight: 700;
      }
      .loan-form-status.show {
        display: block;
      }
      .loan-form-status.success {
        background: rgba(15, 157, 122, 0.12);
        color: #0c7a61;
        border: 1px solid rgba(15, 157, 122, 0.2);
      }
      .loan-form-status.error {
        background: rgba(220, 53, 69, 0.08);
        color: #b42318;
        border: 1px solid rgba(220, 53, 69, 0.18);
      }
      .loan-type-locked-note {
        display: none;
        margin-top: 8px;
        font-size: 0.82rem;
        color: var(--primary);
        font-weight: 700;
      }
      .loan-type-locked-note.active {
        display: block;
      }
      .loan-form-field select:disabled {
        background: #eef4f8;
        color: #516173;
        cursor: not-allowed;
      }

      @media (max-width: 1180px) {
        nav {
          padding: 0 26px;
        }
        .nav-links {
          gap: 18px;
        }
        .nav-contact {
          font-size: 0.92rem;
          padding: 10px 14px;
        }
        .hero-main {
          grid-template-columns: 1fr 330px;
        }
      }
      @media (max-width: 1024px) {
        .hero-main {
          grid-template-columns: 1fr;
        }
        .hero-float-card {
          max-width: none;
        }
        .testimonials-grid {
          grid-template-columns: repeat(2, 1fr);
        }
        .loan-card.wide {
          grid-column: span 2;
        }
        .steps-grid {
          grid-template-columns: repeat(2, 1fr);
        }
        .calc-wrapper {
          grid-template-columns: 1fr;
        }
        .footer-top {
          grid-template-columns: 1fr;
        }
      }
      @media (max-width: 860px) {
        .loan-modal-dialog {
          grid-template-columns: 1fr;
          max-height: min(92vh, 900px);
          overflow: auto;
        }
        .loan-modal-side,
        .loan-modal-form-wrap {
          padding: 26px 22px;
        }
      }
      @media (max-width: 768px) {
        .loans-carousel {
          padding-inline: 2px;
        }
        .loan-card {
          width: min(320px, calc(100vw - 44px));
          flex-basis: min(320px, calc(100vw - 44px));
        }
        nav {
          height: 66px;
          padding: 0 14px;
        }
        .logo img {
          height: 44px;
        }
        .nav-links,
        .nav-contact {
          display: none;
        }
        .menu-toggle {
          display: inline-flex;
        }
        .hero {
          margin-top: 66px;
          padding-top: 16px;
        }
        .hero-banner,
        .hero-main {
          width: min(100%, calc(100% - 24px));
        }
        .hero-content,
        .hero-float-card {
          padding: 26px;
        }
      }
      @media (max-width: 640px) {
        .loans-section,
        .how-section,
        .calc-section,
        .testimonials-section,
        .cta-section {
          padding: 62px 16px;
        }
        .hero-main {
          gap: 18px;
        }
        .loans-toolbar {
          flex-direction: column;
          align-items: flex-start;
        }
        .hero-content,
        .hero-float-card,
        .calc-wrapper,
        .cta-banner,
        .cta-panel,
        .loan-card,
        .testimonial-card,
        .step {
          padding: 22px;
        }
        .hero-stats,
        .testimonials-grid,
        .steps-grid,
        .result-breakdown,
        .calc-mini-grid,
        .footer-top {
          grid-template-columns: 1fr;
        }
        .loan-card.wide {
          grid-column: span 1;
        }

        .loan-card-footer {
          flex-direction: column;
          align-items: flex-start;
        }
        .loan-meta,
        .loan-card.wide .loan-meta {
          grid-template-columns: 1fr;
        }
        .loan-card.wide .loan-features {
          grid-template-columns: 1fr;
        }

        .cta-grid {
          grid-template-columns: 1fr;
        }
        .cta-trust-grid {
          grid-template-columns: 1fr;
        }
        .cta-actions {
          align-items: stretch;
        }
        .social-float {
          right: 10px;
          bottom: 76px;
        }
        .social-float a {
          width: 42px;
          height: 42px;
        }
        footer {
          padding: 42px 16px 24px;
        }
        .footer-bottom {
          flex-direction: column;
          align-items: flex-start;
        }
      }

      .nav-right {
        position: relative;
      }
      .nav-links {
        position: relative;
      }
      .nav-dropdown {
        position: relative;
      }
      .nav-dropdown-toggle {
        display: inline-flex;
        align-items: center;
        gap: 6px;
        min-height: auto;
        padding: 0;
        border-radius: 0;
        background: transparent;
        box-shadow: none;
        color: var(--text);
        font-size: 0.9rem;
        font-weight: 600;
        line-height: 1;
        transition: color 0.22s ease;
      }
      .nav-dropdown-toggle:hover,
      .nav-dropdown:hover .nav-dropdown-toggle,
      .nav-dropdown.active .nav-dropdown-toggle,
      .nav-dropdown:focus-within .nav-dropdown-toggle {
        background: transparent;
        color: var(--primary-dark);
        box-shadow: none;
      }
      .nav-dropdown-toggle span {
        position: relative;
      }
      .nav-dropdown-toggle span::after {
        content: "";
        position: absolute;
        left: 0;
        bottom: -8px;
        width: 100%;
        height: 2px;
        border-radius: 999px;
        background: var(--primary);
        transform: scaleX(0);
        transform-origin: left;
        transition: transform 0.22s ease;
      }
      .nav-dropdown:hover .nav-dropdown-toggle span::after,
      .nav-dropdown.active .nav-dropdown-toggle span::after,
      .nav-dropdown:focus-within .nav-dropdown-toggle span::after {
        transform: scaleX(1);
      }
      .nav-dropdown-toggle i {
        color: inherit;
        font-size: 0.72rem;
      }
      .services-menu {
        display: block;
        width: min(760px, calc(100vw - 48px));
        padding: 16px 18px 18px;
        gap: 14px;
        top: calc(100% + 14px);
        left: 50%;
        transform: translate(-50%, 10px);
        border-radius: 20px;
        border: 1px solid #dbe6f3;
        background: rgba(255, 255, 255, 0.98);
        box-shadow: 0 22px 48px rgba(12, 53, 100, 0.14);
        backdrop-filter: blur(14px);
        opacity: 0;
        visibility: hidden;
        pointer-events: none;
      }
      .nav-dropdown:hover .services-menu,
      .nav-dropdown.active .services-menu,
      .nav-dropdown:focus-within .services-menu {
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
        transform: translate(-50%, 0);
      }
      .services-menu-head {
        padding: 0 4px;
      }
      .services-kicker {
        font-size: 0.64rem;
        letter-spacing: 0.14em;
        margin-bottom: 4px;
      }
      .services-menu-head h3 {
        margin: 0;
        font-size: 0.96rem;
        font-weight: 700;
        line-height: 1.45;
      }
      .services-tabs {
        display: flex;
        align-items: center;
        gap: 18px;
        padding: 2px 4px 0;
        border-bottom: 1px solid #e7eef7;
        overflow-x: auto;
      }
      .services-tab {
        border: none;
        background: transparent;
        color: var(--muted);
        font-size: 0.8rem;
        font-weight: 700;
        padding: 0 0 11px;
        border-radius: 0;
        cursor: pointer;
        white-space: nowrap;
        box-shadow: none;
        position: relative;
      }
      .services-tab::after {
        content: "";
        position: absolute;
        left: 0;
        bottom: -1px;
        width: 100%;
        height: 2px;
        border-radius: 999px;
        background: var(--primary);
        transform: scaleX(0);
        transform-origin: left;
        transition: transform 0.22s ease;
      }
      .services-tab:hover,
      .services-tab.active {
        background: transparent;
        color: var(--primary-dark);
        border-color: transparent;
        box-shadow: none;
      }
      .services-tab.active::after,
      .services-tab:hover::after {
        transform: scaleX(1);
      }
      .services-panels {
        padding: 0;
      }
      .services-panel {
        background: transparent;
        border: none;
        border-radius: 0;
        padding: 2px 0 0;
      }
      .services-links-grid,
      .services-links-grid-compact {
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 8px 18px;
      }
      .services-panel a {
        justify-content: flex-start;
        min-height: auto;
        padding: 7px 0;
        border-radius: 0;
        background: transparent;
        border: none;
        color: var(--text);
        font-size: 0.83rem;
        font-weight: 600;
        line-height: 1.45;
        box-shadow: none;
      }
      .services-panel a::after {
        content: "\2192";
        margin-left: 8px;
        color: var(--primary);
        font-weight: 800;
        opacity: 0;
        transform: translateX(-4px);
        transition:
          transform 0.2s ease,
          opacity 0.2s ease;
      }
      .services-panel a:hover {
        transform: none;
        background: transparent;
        border-color: transparent;
        color: var(--primary-dark);
      }
      .services-panel a:hover::after {
        transform: translateX(0);
        opacity: 1;
      }
      @media (max-width: 1180px) {
        .services-menu {
          width: min(680px, calc(100vw - 32px));
        }
      }
      @media (max-width: 860px) {
        .services-menu {
          width: min(96vw, 420px);
          padding: 14px;
        }
        .services-tabs,
        .services-links-grid,
        .services-links-grid-compact {
          grid-template-columns: 1fr;
        }
      }