:root {
    /* Color Variables */
    --color-primary: #0057B7;
    --color-primary-dark: #004494;
    --color-primary-light: #E6F0FB;
    --color-secondary: #00A3E0;
    --color-secondary-dark: #0082B3;
    --color-accent: #FFB800;
    --color-accent-dark: #E6A600;
    --color-success: #28A745;
    --color-error: #DC3545;
    --color-warning: #FFC107;
    --color-info: #17A2B8;
    
    --color-text: #333333;
    --color-text-light: #6B7280;
    --color-text-dark: #1F2937;
    --color-border: #E5E7EB;
    --color-background: #F9FAFB;
    
    /* Typography */
    --font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    --font-size-xs: 0.75rem;
    --font-size-sm: 0.875rem;
    --font-size-md: 1rem;
    --font-size-lg: 1.125rem;
    --font-size-xl: 1.25rem;
    --font-size-2xl: 1.5rem;
    --font-size-3xl: 2rem;
    --font-size-4xl: 2.5rem;
    --font-size-5xl: 3rem;
    
    /* Spacing */
    --spacing-xs: 0.25rem;
    --spacing-sm: 0.5rem;
    --spacing-md: 1rem;
    --spacing-lg: 1.5rem;
    --spacing-xl: 2rem;
    --spacing-2xl: 3rem;
    
    /* Border Radius */
    --radius-sm: 0.25rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --radius-2xl: 1.5rem;
    --radius-full: 9999px;
    
    /* Shadows */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    
    /* Transitions */
    --transition-base: all 0.3s ease;
    --transition-bounce: all 0.5s cubic-bezier(0.68, -0.55, 0.265, 1.55);
    --transition-in-out: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
    
    /* Add to :root variables */
    --gradient-primary: linear-gradient(135deg, #0057B7 0%, #0082B3 50%, #00A3E0 100%);
    --gradient-accent: linear-gradient(45deg, #FFB800 0%, #FF9500 100%);
    --noise-overlay: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noiseFilter'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.65' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noiseFilter)'/%3E%3C/svg%3E");
    --morphic-gradient: linear-gradient(145deg, rgba(255, 255, 255, 0.6), rgba(255, 255, 255, 0.3));
    --glass-highlight: linear-gradient(to bottom right, rgba(255, 255, 255, 0.8) 0%, rgba(255, 255, 255, 0) 50%);
    --dynamic-texture: url("data:image/svg+xml,%3Csvg width='100' height='100' viewBox='0 0 100 100' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M11 18c3.866 0 7-3.134 7-7s-3.134-7-7-7-7 3.134-7 7 3.134 7 7 7zm48 25c3.866 0 7-3.134 7-7s-3.134-7-7-7-7 3.134-7 7 3.134 7 7 7zm-43-7c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zm63 31c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zM34 90c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zm56-76c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zM12 86c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm28-65c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm23-11c2.76 0 5-2.24 5-5s-2.24-5-5-5-5 2.24-5 5 2.24 5 5 5zm-6 60c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm29 22c2.76 0 5-2.24 5-5s-2.24-5-5-5-5 2.24-5 5 2.24 5 5 5zM32 63c2.76 0 5-2.24 5-5s-2.24-5-5-5-5 2.24-5 5 2.24 5 5 5zm57-13c2.76 0 5-2.24 5-5s-2.24-5-5-5-5 2.24-5 5 2.24 5 5 5z' fill='%230057B7' fill-opacity='0.03' fill-rule='evenodd'/%3E%3C/svg%3E");
}

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: var(--font-family);
    font-size: var(--font-size-md);
    line-height: 1.5;
    color: var(--color-text);
    background-color: var(--color-background);
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    text-decoration: none;
    color: var(--color-primary);
    transition: var(--transition-base);
}

a:hover {
    color: var(--color-primary-dark);
}

ul {
    list-style: none;
}

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

section {
    position: relative;
    z-index: 1;
}

button {
    cursor: pointer;
    font-family: var(--font-family);
}

/* Utility Classes */
.text-link {
    color: var(--color-primary);
    text-decoration: none;
    position: relative;
    font-weight: 500;
    transition: all 0.3s ease;
}

.text-link:after {
    content: '';
    position: absolute;
    width: 100%;
    height: 1px;
    bottom: -2px;
    left: 0;
    background-color: var(--color-primary);
    transform: scaleX(0);
    transform-origin: bottom right;
    transition: transform 0.3s ease;
}

.text-link:hover {
    color: var(--color-primary-dark);
}

.text-link:hover:after {
    transform: scaleX(1);
    transform-origin: bottom left;
}

.fade-in {
    opacity: 0;
    animation: fadeIn 0.8s ease forwards;
}

.slide-in-up {
    opacity: 0;
    transform: translateY(30px);
    animation: slideInUp 0.8s ease forwards;
}

/* Header */
header {
    position: sticky;
    top: 0;
    background-color: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-bottom: 1px solid rgba(229, 231, 235, 0.5);
    z-index: 1000;
    transition: all 0.3s ease;
    height: 80px;
    display: flex;
    align-items: center;
}

header.scrolled {
    height: 70px;
    box-shadow: var(--shadow-md);
}

.header-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

.logo {
    display: flex;
    align-items: center;
    font-size: var(--font-size-xl);
    font-weight: 700;
    color: var(--color-text-dark);
    text-decoration: none;
    transition: transform 0.3s ease;
}

.logo:hover {
    transform: translateY(-2px);
    color: var(--color-text-dark);
}

.logo-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: var(--radius-md);
    background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
    color: white;
    font-weight: 700;
    margin-right: 0.75rem;
    position: relative;
    overflow: hidden;
    box-shadow: 0 2px 10px rgba(0, 87, 183, 0.3);
}

.logo-icon::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent);
    transition: left 0.7s ease;
}

.logo:hover .logo-icon::before {
    left: 100%;
}

nav ul {
    display: flex;
    gap: 1.5rem;
}

nav a {
    color: var(--color-text);
    font-weight: 500;
    position: relative;
    padding: 0.5rem 0;
    text-decoration: none;
    transition: color 0.3s ease;
}

nav a::after {
    content: '';
    position: absolute;
    width: 100%;
    height: 2px;
    bottom: 0;
    left: 0;
    background-color: var(--color-primary);
    transform: scaleX(0);
    transform-origin: bottom right;
    transition: transform 0.3s ease;
}

nav a:hover {
    color: var(--color-primary);
}

nav a:hover::after {
    transform: scaleX(1);
    transform-origin: bottom left;
}

.cta-button {
    display: inline-block;
    background-size: 200% 200%;
    background-image: linear-gradient(45deg, 
        var(--color-primary) 0%, 
        var(--color-secondary) 50%, 
        var(--color-primary) 100%);
    animation: gradient-shift 5s ease infinite;
    color: white;
    font-weight: 600;
    padding: 0.85rem 1.75rem;
    border-radius: var(--radius-full);
    text-decoration: none;
    transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    border: none;
    position: relative;
    overflow: hidden;
    isolation: isolate;
    box-shadow: 
        0 10px 20px -5px rgba(0, 87, 183, 0.3),
        0 4px 6px -2px rgba(0, 0, 0, 0.1),
        inset 0 1px 1px rgba(255, 255, 255, 0.4);
}

.cta-button::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: radial-gradient(circle at var(--xPos, 0%) var(--yPos, 0%), 
        rgba(255, 255, 255, 0.25) 0%, 
        rgba(255, 255, 255, 0) 70%);
    opacity: 0;
    transition: opacity 0.5s ease;
    z-index: -1;
}

.cta-button:hover {
    transform: translateY(-4px) scale(1.02);
    box-shadow: 0 10px 25px rgba(0, 87, 183, 0.3),
                0 4px 8px rgba(0, 87, 183, 0.2),
                inset 0 1px 1px rgba(255, 255, 255, 0.6);
    color: white;
}

.cta-button:hover::before {
    opacity: 1;
}

.cta-button:active {
    transform: translateY(-1px);
    box-shadow: 0 4px 8px rgba(0, 87, 183, 0.4);
}

.secondary-button {
    display: inline-block;
    background-color: white;
    color: var(--color-primary);
    font-weight: 600;
    padding: 0.75rem 1.5rem;
    border-radius: var(--radius-full);
    text-decoration: none;
    border: 2px solid var(--color-primary);
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
    z-index: 1;
    box-shadow: 0 5px 15px rgba(0, 87, 183, 0.1);
}

.secondary-button::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 0;
    height: 100%;
    background: linear-gradient(90deg, 
        var(--color-primary), 
        var(--color-secondary));
    transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    z-index: -1;
}

.secondary-button:hover {
    color: white;
    border-color: var(--color-primary);
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}

.secondary-button:hover::before {
    width: 100%;
}

.secondary-button:active {
    transform: translateY(-1px);
    box-shadow: var(--shadow-sm);
}

.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    color: var(--color-text);
    font-size: 1.5rem;
    cursor: pointer;
}

/* Hero Section */
.hero {
    padding: 6rem 0 8rem;
    background: linear-gradient(135deg, #f0f7ff 0%, #e6f0fb 100%);
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    width: 100%;
    height: 100%;
    top: 0;
    left: 0;
    background-image: var(--dynamic-texture);
    opacity: 0.04;
    z-index: -1;
}

/* Add floating elements */
.floating-element {
    position: absolute;
    border-radius: 50%;
    background: var(--morphic-gradient);
    filter: blur(40px);
    z-index: -1;
}

.float-1 {
    width: 300px;
    height: 300px;
    top: 20%;
    left: -100px;
    opacity: 0.5;
    animation: float-animation 15s infinite alternate ease-in-out;
}

.float-2 {
    width: 200px;
    height: 200px;
    bottom: 10%;
    right: -50px;
    opacity: 0.3;
    animation: float-animation 12s infinite alternate-reverse ease-in-out;
}

@keyframes float-animation {
    0% { transform: translate(0, 0) rotate(0deg); }
    100% { transform: translate(20px, -30px) rotate(5deg); }
}

/* Add 3D layered blur circles */
.hero::after {
    content: '';
    position: absolute;
    width: 80vw;
    height: 80vw;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(0, 163, 224, 0.15) 0%, transparent 70%);
    filter: blur(60px);
    bottom: -40vw;
    right: -20vw;
    z-index: -1;
    animation: pulse 20s infinite alternate-reverse ease-in-out;
}

.hero-inner {
    display: flex;
    align-items: center;
    gap: 3rem;
    position: relative;
    z-index: 2;
}

.hero-content {
    flex: 1;
    max-width: 550px;
}

.hero h1 {
    font-size: 3.5rem;
    font-weight: 800;
    margin-bottom: 1.5rem;
    color: var(--color-primary-dark);
    line-height: 1.2;
    position: relative;
    padding-bottom: 1.25rem;
    letter-spacing: -0.02em;
}

.hero h1 .text-gradient {
    background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    display: inline-block;
}

.hero h1::after {
    content: '';
    position: absolute;
    width: 100px;
    height: 4px;
    background: var(--color-accent);
    border-radius: var(--radius-sm);
    bottom: 0;
    left: 0;
}

.hero p {
    font-size: var(--font-size-xl);
    color: var(--color-text-light);
    margin-bottom: 2.5rem;
    max-width: 95%;
    line-height: 1.6;
}

.hero p strong {
    color: var(--color-primary);
    font-weight: 600;
}

/* Enhanced Stats */
.hero-stats {
    display: flex;
    gap: 2.5rem;
    margin-bottom: 2.5rem;
}

.hero-stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    position: relative;
}

.hero-stat::after {
    content: '';
    position: absolute;
    right: -1.25rem;
    top: 50%;
    transform: translateY(-50%);
    width: 1px;
    height: 40px;
    background: var(--color-border);
    opacity: 0.6;
}

.hero-stat:last-child::after {
    display: none;
}

.stat-icon {
    width: 36px;
    height: 36px;
    background: rgba(0, 87, 183, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 0.5rem;
    color: var(--color-primary);
    transition: all 0.3s ease;
}

.hero-stat:hover .stat-icon {
    transform: scale(1.1);
    background: var(--color-primary);
    color: white;
}

.hero-stat-value {
    font-size: var(--font-size-2xl);
    font-weight: 700;
    color: var(--color-primary-dark);
    line-height: 1.2;
}

.hero-stat-label {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
    margin-top: 0.25rem;
}

/* Enhanced Button Styles */
.hero-buttons {
    display: flex;
    gap: 1rem;
    margin-bottom: 2.5rem;
}

.hero-buttons .cta-button,
.hero-buttons .secondary-button {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.875rem 1.75rem;
    font-size: var(--font-size-md);
}

.pulse-animation {
    animation: subtle-pulse 2s infinite;
}

@keyframes subtle-pulse {
    0% { transform: translateY(0); box-shadow: 0 4px 10px rgba(0, 87, 183, 0.3); }
    50% { transform: translateY(-3px); box-shadow: 0 8px 15px rgba(0, 87, 183, 0.4); }
    100% { transform: translateY(0); box-shadow: 0 4px 10px rgba(0, 87, 183, 0.3); }
}

/* Enhanced Trust Badges */
.trust-badges {
    display: flex;
    gap: 1.5rem;
    margin-top: 2rem;
}

.trust-badge {
    display: flex;
    align-items: center;
    background: white;
    padding: 0.875rem 1.25rem;
    border-radius: var(--radius-md);
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.05);
    transition: all 0.3s ease;
    border: 1px solid var(--color-border);
}

.trust-badge:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 15px rgba(0, 0, 0, 0.08);
    border-color: var(--color-primary-light);
}

.badge-icon {
    width: 36px;
    height: 36px;
    background: var(--color-primary-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 0.875rem;
    color: var(--color-primary);
    transition: all 0.3s ease;
}

.trust-badge:hover .badge-icon {
    background: var(--color-primary);
    color: white;
    transform: scale(1.1);
}

.badge-text {
    display: flex;
    flex-direction: column;
}

.badge-title {
    font-weight: 600;
    color: var(--color-primary-dark);
    font-size: var(--font-size-sm);
    margin-bottom: 0.25rem;
}

.badge-desc {
    color: var(--color-text-light);
    font-size: var(--font-size-xs);
}

/* Floating particles animation - refined */
.floating-particles {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    overflow: hidden;
    pointer-events: none;
    z-index: 1;
}

.particle {
    position: absolute;
    border-radius: 50%;
    opacity: 0.2;
    background: linear-gradient(135deg, var(--color-primary-light), var(--color-secondary-light));
    filter: blur(1px);
}

.particle-1 {
    top: 20%;
    left: 10%;
    width: 18px;
    height: 18px;
    animation: floatAnimation 30s linear infinite;
}

.particle-2 {
    top: 70%;
    left: 20%;
    width: 14px;
    height: 14px;
    animation: floatAnimation 25s linear infinite 2s;
}

.particle-3 {
    top: 30%;
    right: 15%;
    width: 22px;
    height: 22px;
    animation: floatAnimation 28s linear infinite 1s;
}

.particle-4 {
    top: 60%;
    right: 10%;
    width: 12px;
    height: 12px;
    animation: floatAnimation 32s linear infinite 3s;
}

.particle-5 {
    top: 40%;
    left: 50%;
    width: 16px;
    height: 16px;
    animation: floatAnimation 35s linear infinite 2s;
}

@keyframes floatAnimation {
    0% {
        transform: translateY(0) translateX(0) rotate(0deg);
    opacity: 0.1;
    }
    25% {
        transform: translateY(-20px) translateX(15px) rotate(90deg);
        opacity: 0.2;
    }
    50% {
        transform: translateY(0) translateX(30px) rotate(180deg);
        opacity: 0.1;
    }
    75% {
        transform: translateY(20px) translateX(15px) rotate(270deg);
        opacity: 0.2;
    }
    100% {
        transform: translateY(0) translateX(0) rotate(360deg);
        opacity: 0.1;
    }
}

/* SVG Wave Divider */
.shape-divider {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    overflow: hidden;
    line-height: 0;
    z-index: 1;
}

.shape-divider svg {
    position: relative;
    display: block;
    width: calc(100% + 1.3px);
    height: 60px;
}

.shape-divider .shape-fill {
    fill: #FFFFFF;
}

/* Refined Mobile Responsiveness */
@media (max-width: 992px) {
    .hero {
        padding: 5rem 0 7rem;
    }
    
    .hero-inner {
        flex-direction: column;
    }
    
    .hero-content {
        text-align: center;
        margin-bottom: 3rem;
        max-width: 100%;
    }
    
    .hero h1 {
        font-size: 2.75rem;
    }
    
    .hero h1::after {
        left: 50%;
        transform: translateX(-50%);
    }
    
    .hero p {
        margin: 0 auto 2.5rem;
        max-width: 90%;
    }
    
    .hero-stats {
        justify-content: center;
    }
    
    .hero-buttons {
        justify-content: center;
    }
}

@media (max-width: 768px) {
    .hero h1 {
        font-size: 2.25rem;
    }
    
    .hero p {
        font-size: var(--font-size-lg);
    }
    
    .promo-badge {
        right: 10px;
    }
    
    .term-buttons, .interest-rate-selector {
        grid-template-columns: repeat(2, 1fr);
        gap: 0.75rem;
    }
}

@media (max-width: 576px) {
    .hero {
        padding: 4rem 0 6rem;
    }
    
    .hero-stats {
        flex-direction: column;
        align-items: center;
        gap: 1.5rem;
    }
    
    .hero-stat {
        width: 100%;
        max-width: 200px;
    }
    
    .hero-stat::after {
    display: none;
    }
    
    .trust-badges {
        flex-direction: column;
        gap: 1rem;
    }
    
    .trust-badge {
    width: 100%;
    }
    
    .payment-preview-amount {
        font-size: var(--font-size-lg);
    }
}

/* Services Section */
.services {
    padding: 5rem 0;
    background: white;
    position: relative;
    overflow: hidden;
}

.services::before {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(0, 87, 183, 0.05) 0%, transparent 70%);
    bottom: -100px;
    left: -100px;
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 3rem;
}

.section-header h2 {
    font-size: var(--font-size-3xl);
    font-weight: 700;
    color: var(--color-primary-dark);
    margin-bottom: 1rem;
    position: relative;
    display: inline-block;
    padding-bottom: 1rem;
}

.section-header h2::after {
    content: '';
    position: absolute;
    width: 60px;
    height: 3px;
    background: var(--color-accent);
    border-radius: var(--radius-sm);
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
}

.section-header p {
    color: var(--color-text-light);
    font-size: var(--font-size-lg);
}

.loan-types {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-bottom: 2rem;
}

.loan-type-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 2.25rem;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.04),
                0 1px 2px rgba(0, 0, 0, 0.02);
    transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    position: relative;
    border: 1px solid rgba(0, 87, 183, 0.06);
    height: 100%;
    display: flex;
    flex-direction: column;
    overflow: hidden;
    isolation: isolate;
}

.loan-type-card:hover {
    transform: translateY(-12px) scale(1.03);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08),
                0 5px 10px rgba(0, 0, 0, 0.05);
    border-color: rgba(0, 87, 183, 0.15);
}

.loan-type-card::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(to bottom right, 
                rgba(255, 255, 255, 0.4) 0%, 
                rgba(255, 255, 255, 0.2) 50%, 
                transparent 100%);
    opacity: 0;
    transition: opacity 0.5s ease;
    z-index: -1;
}

.loan-type-card:hover::after {
    opacity: 1;
}

.popular-tag {
    position: absolute;
    top: 1rem;
    right: -2rem;
    background: var(--color-accent);
    color: white;
    padding: 0.25rem 2rem;
    font-size: var(--font-size-xs);
    font-weight: 600;
    transform: rotate(45deg);
    z-index: 1;
    box-shadow: 0 2px 5px rgba(0, 0, 0, 0.1);
}

.loan-type-header {
    display: flex;
    align-items: center;
    margin-bottom: 1.5rem;
}

.loan-type-icon {
    width: 50px;
    height: 50px;
    background: rgba(0, 87, 183, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 1rem;
    color: var(--color-primary);
    font-size: 1.5rem;
    transition: all 0.3s ease;
}

.loan-type-card:hover .loan-type-icon {
    background: var(--color-primary);
    color: white;
    transform: scale(1.1);
}

.loan-type-title h3 {
    font-size: var(--font-size-xl);
    color: var(--color-primary-dark);
    margin-bottom: 0.25rem;
}

.loan-type-title p {
        font-size: var(--font-size-sm);
    color: var(--color-text-light);
}

.loan-features {
    margin-bottom: 1.5rem;
    flex-grow: 1;
}

.loan-feature {
    display: flex;
        align-items: center;
    margin-bottom: 0.875rem;
}

.loan-feature i {
    color: var(--color-success);
    margin-right: 0.75rem;
    font-size: var(--font-size-sm);
}

.loan-feature span {
    color: var(--color-text);
    font-size: var(--font-size-md);
}

.loan-type-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-top: 1px solid var(--color-border);
    padding-top: 1.25rem;
    margin-top: auto;
}

.loan-type-rate {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
}

.loan-type-button {
    display: inline-block;
    background: var(--color-primary);
    color: white;
    font-weight: 600;
    padding: 0.5rem 1.25rem;
    border-radius: var(--radius-full);
    text-decoration: none;
    transition: all 0.3s ease;
    font-size: var(--font-size-sm);
}

.loan-type-button:hover {
    transform: translateY(-3px);
    box-shadow: 0 4px 10px rgba(0, 87, 183, 0.3);
    background: var(--color-primary-dark);
    color: white;
}

/* Features Section */
.features {
    padding: 5rem 0;
    background: linear-gradient(135deg, #F8FAFC 0%, #E2E8F0 100%);
    position: relative;
    overflow: hidden;
}

.features::before {
    content: '';
    position: absolute;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(0, 163, 224, 0.05) 0%, transparent 70%);
    top: -200px;
    right: -200px;
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 2rem;
    position: relative;
    margin-bottom: 3rem;
}

.process-connection {
    position: absolute;
    top: 50px;
    left: 0;
    width: 100%;
    height: 4px;
    background: #E2E8F0;
    z-index: 0;
}

.process-step {
    text-align: center;
    position: relative;
    z-index: 1;
    padding: 2rem;
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    transition: all 0.3s ease;
    border: 1px solid var(--color-border);
}

.process-step:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-lg);
}

.process-step::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 0;
    height: 0;
    border-top: 0 solid transparent;
    border-right: 0 solid transparent;
    border-bottom: 20px solid transparent;
    border-left: 20px solid var(--color-primary-light);
    transition: all 0.3s ease;
    opacity: 0;
}

.process-step:hover::before {
    opacity: 1;
}

.step-number {
    width: 50px;
    height: 50px;
    background: var(--color-primary);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--font-size-xl);
    font-weight: 700;
    margin: 0 auto 1.5rem;
    position: relative;
    z-index: 2;
    box-shadow: 0 4px 10px rgba(0, 87, 183, 0.3);
    transition: all 0.3s ease;
}

.process-step:hover .step-number {
    transform: scale(1.1);
    background: var(--color-primary-dark);
}

.process-step h3 {
    font-size: var(--font-size-xl);
    color: var(--color-primary-dark);
    margin-bottom: 0.75rem;
}

.process-step p {
    color: var(--color-text-light);
}

/* Comparison Table */
.comparison-table {
    width: 100%;
    border-collapse: collapse;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    margin: 2rem 0;
    background: white;
}

.comparison-table thead th {
    background: var(--color-primary-dark);
    color: white;
    padding: 1.25rem 1.5rem;
    font-weight: 600;
    font-size: var(--font-size-md);
    text-align: left;
}

.comparison-table thead th.highlight {
    background: var(--color-primary);
}

.comparison-table tbody tr {
    transition: background 0.3s ease;
}

.comparison-table tbody tr:hover {
    background: rgba(0, 87, 183, 0.03);
}

.comparison-table tbody tr:nth-child(even) {
    background: #F8FAFC;
}

.comparison-table tbody tr:nth-child(even):hover {
    background: rgba(0, 87, 183, 0.05);
}

.comparison-table td {
    padding: 1rem 1.5rem;
    border-bottom: 1px solid var(--color-border);
    color: var(--color-text);
    font-size: var(--font-size-md);
}

.comparison-table td.highlight {
    font-weight: 600;
    color: var(--color-primary-dark);
    background: rgba(0, 87, 183, 0.03);
}

.comparison-check, .comparison-x, .comparison-maybe {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 24px;
    height: 24px;
    border-radius: 50%;
}

.comparison-check {
    background: var(--color-success);
    color: white;
}

.comparison-x {
    background: var(--color-error);
    color: white;
}

.comparison-maybe {
    background: var(--color-warning);
    color: white;
}

/* Stats Section */
.stats {
    padding: 4rem 0;
    background: linear-gradient(135deg, var(--color-primary-dark), var(--color-secondary-dark));
    color: white;
    position: relative;
    overflow: hidden;
}

.stats::before {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
    top: -150px;
    left: 10%;
}

.stats::after {
    content: '';
    position: absolute;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
    bottom: -100px;
    right: 5%;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    position: relative;
    z-index: 1;
}

.stat-item {
    text-align: center;
    padding: 2.5rem;
    background: linear-gradient(145deg, rgba(255, 255, 255, 0.08), rgba(255, 255, 255, 0.04));
    border-radius: var(--radius-xl);
    transition: transform 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275), background 0.3s ease;
    position: relative;
    overflow: hidden;
    backdrop-filter: blur(5px);
    -webkit-backdrop-filter: blur(5px);
    border: 1px solid rgba(255, 255, 255, 0.1);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15),
                inset 0 1px 1px rgba(255, 255, 255, 0.15);
}

.stat-item:hover {
    transform: translateY(-8px) scale(1.03);
    background: linear-gradient(145deg, rgba(255, 255, 255, 0.12), rgba(255, 255, 255, 0.06));
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.2),
                inset 0 1px 1px rgba(255, 255, 255, 0.2);
}

.stat-item::before {
    content: '';
    position: absolute;
    width: 100px;
    height: 100px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.1) 0%, transparent 70%);
    border-radius: 50%;
    top: -50px;
    right: -50px;
}

.stat-item h3 {
    font-size: var(--font-size-3xl);
    font-weight: 700;
    margin-bottom: 0.5rem;
    background: linear-gradient(135deg, #ffffff, #f0f0f0);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    display: inline-block;
}

.stat-item p {
    color: rgba(255, 255, 255, 0.8);
    font-size: var(--font-size-md);
    font-weight: 500;
}

/* Testimonials Section */
.testimonials {
    padding: 5rem 0;
    background: white;
    position: relative;
    overflow: hidden;
}

.testimonials::before {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(0, 87, 183, 0.05) 0%, transparent 70%);
    top: -150px;
    left: -150px;
}

.testimonial-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.testimonial-card {
    background: white;
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.04),
                0 2px 5px rgba(0, 0, 0, 0.02);
    transition: all 0.5s cubic-bezier(0.23, 1, 0.32, 1);
    border: 1px solid var(--color-border);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    height: 100%;
    z-index: 1;
    transform-style: preserve-3d;
    perspective: 1000px;
}

.testimonial-card:hover {
    transform: rotateX(5deg) rotateY(-5deg) translateY(-15px);
    box-shadow: 20px 20px 40px rgba(0, 0, 0, 0.08),
                0 5px 10px rgba(0, 0, 0, 0.05);
}

.testimonial-card::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(105deg, 
                transparent 0%, 
                rgba(255, 255, 255, 0.8) 45%, 
                rgba(255, 255, 255, 0.2) 50%, 
                transparent 100%);
    opacity: 0;
    transition: opacity 0.5s ease;
    transform: translateZ(20px);
    z-index: -1;
}

.testimonial-card:hover::after {
    opacity: 1;
}

.testimonial-rating {
    margin-bottom: 1rem;
    color: var(--color-accent);
    font-size: var(--font-size-md);
}

.testimonial-text {
    font-size: var(--font-size-md);
    line-height: 1.6;
    color: var(--color-text);
    margin-bottom: 1.5rem;
    flex-grow: 1;
    font-style: italic;
    position: relative;
    z-index: 1;
}

.testimonial-text::after {
    content: '\201D';
    position: absolute;
    bottom: -20px;
    right: 0;
    font-size: 60px;
    color: rgba(0, 87, 183, 0.05);
    font-family: serif;
    z-index: -1;
    transition: all 0.3s ease;
}

.testimonial-card:hover .testimonial-text::after {
    color: rgba(0, 87, 183, 0.1);
    transform: translateY(-5px);
}

.testimonial-author {
    display: flex;
    align-items: center;
    transition: transform 0.3s ease;
}

.testimonial-card:hover .testimonial-author {
    transform: translateX(5px);
}

.author-avatar {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    margin-right: 1rem;
    background: #E2E8F0;
    overflow: hidden;
    border: 3px solid var(--color-border);
    transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
    position: relative;
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1);
}

.testimonial-card:hover .author-avatar {
    transform: scale(1.1);
    border-color: var(--color-primary);
    box-shadow: 0 6px 15px rgba(0, 87, 183, 0.3);
}

.author-avatar::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    border-radius: 50%;
    box-shadow: inset 0 0 10px rgba(0, 0, 0, 0.1);
    opacity: 0;
    transition: opacity 0.3s ease;
}

.testimonial-card:hover .author-avatar::after {
    opacity: 1;
}

.author-avatar img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}

.testimonial-card:hover .author-avatar img {
    transform: scale(1.1);
}

.author-info h4 {
    font-size: var(--font-size-lg);
    margin-bottom: 0.25rem;
    color: var(--color-primary-dark);
    transition: color 0.3s ease;
}

.testimonial-card:hover .author-info h4 {
    color: var(--color-primary);
}

.author-info p {
    font-size: var(--font-size-sm);
    color: var(--color-text-light);
    position: relative;
    padding-left: 0;
    transition: padding-left 0.3s ease;
}

.testimonial-card:hover .author-info p {
    padding-left: 20px;
}

.testimonial-card:hover .author-info p::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 15px;
    height: 1px;
    background: var(--color-primary);
}

/* Contact Section */
.contact {
    padding: 5rem 0;
    background: linear-gradient(135deg, #F8FAFC 0%, #EDF2F7 100%);
    position: relative;
    overflow: hidden;
}

.contact::before {
    content: '';
    position: absolute;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(0, 87, 183, 0.05) 0%, transparent 70%);
    bottom: -200px;
    right: 5%;
    z-index: 1;
}

.contact::after {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(0, 163, 224, 0.05) 0%, transparent 70%);
    top: -150px;
    left: 10%;
    z-index: 1;
}

.contact-form {
    max-width: 600px;
    margin: 0 auto;
    background: white;
    border-radius: var(--radius-xl);
    padding: 2.5rem;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-xl);
    position: relative;
    z-index: 2;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.contact-form:hover {
    transform: translateY(-5px);
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.15);
}

.contact-form::before {
    content: '';
    position: absolute;
    width: 80px;
    height: 80px;
    border-radius: 50%;
    background: var(--color-primary);
    opacity: 0.1;
    top: -40px;
    left: -40px;
    z-index: -1;
    transition: transform 0.5s ease;
}

.contact-form:hover::before {
    transform: scale(1.2);
}

.contact-form::after {
    content: '';
    position: absolute;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: var(--color-secondary);
    opacity: 0.1;
    bottom: -50px;
    right: -50px;
    z-index: -1;
    transition: transform 0.5s ease;
}

.contact-form:hover::after {
    transform: scale(1.2);
}

.form-header {
    margin-bottom: 2rem;
    text-align: center;
    position: relative;
}

.form-header::after {
    content: '';
    position: absolute;
    width: 60px;
    height: 3px;
    background: var(--color-accent);
    bottom: -10px;
    left: 50%;
    transform: translateX(-50%);
    border-radius: var(--radius-sm);
}

.form-header h3 {
    font-size: var(--font-size-2xl);
    color: var(--color-primary-dark);
    margin-bottom: 0.5rem;
}

.form-header p {
    color: var(--color-text-light);
    font-size: var(--font-size-sm);
}

.form-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
}

.form-section-header {
    margin-bottom: 1.5rem;
    padding-bottom: 0.75rem;
    border-bottom: 1px solid var(--color-border);
    color: var(--color-primary-dark);
    font-size: var(--font-size-lg);
    position: relative;
}

.form-section-header::after {
    content: '';
    position: absolute;
    bottom: -1px;
    left: 0;
    width: 50px;
    height: 2px;
    background: var(--color-primary);
}

.input-group {
    position: relative;
}

.input-group .form-control {
    padding-left: 3rem;

}

.input-group i, .form-group i{
    position: absolute;
    left: 1rem;
    top: 70%;
    transform: translateY(-50%);
    color: var(--color-text-light);
    transition: color 0.3s ease;
}

.form-group .form-control {
    padding-left: 3rem;
}

/* .input-group-icon {
    position: absolute;
    left: 1rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-light);
    transition: color 0.3s ease;
    border: 2px solid red;
    font-size: 50px;
} */



.input-group:hover .input-group-icon {
    color: var(--color-primary);
}

.input-with-unit {
    position: relative;
}

.input-with-unit .form-control {
    padding-left: 3rem;
}

.input-unit {
    position: absolute;
    left: 1rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-light);
    font-weight: 600;
    transition: color 0.3s ease;
}

.input-with-unit:hover .input-unit {
    color: var(--color-primary);
}

.required-field::after {
    content: '*';
    color: var(--color-error);
    margin-left: 0.25rem;
}

/* Form validation state icons */
.validation-icon {
    position: absolute;
    right: 1rem;
    top: 50%;
    transform: translateY(-50%);
    display: none;
    font-size: var(--font-size-md);
}

.form-control.success ~ .validation-icon.success-icon {
    display: block;
    color: var(--color-success);
    animation: fadeIn 0.3s ease;
}

.form-control.error ~ .validation-icon.error-icon {
    display: block;
    color: var(--color-error);
    animation: fadeIn 0.3s ease;
}

.validation-message {
    font-size: var(--font-size-xs);
    margin-top: 0.5rem;
    min-height: 18px;
    transition: all 0.3s ease;
}

.form-control.error ~ .validation-message {
    color: var(--color-error);
}

.form-control.success ~ .validation-message {
    color: var(--color-success);
}

/* Checkbox and radio styling */
.custom-checkbox, 
.custom-radio {
    display: flex;
    align-items: flex-start;
    margin-bottom: 0.75rem;
    cursor: pointer;
    transition: transform 0.3s ease;
    position: relative;
    padding-left: 30px;
}

.custom-checkbox:hover,
.custom-radio:hover {
    transform: translateX(3px);
}

.custom-checkbox input[type="checkbox"],
.custom-radio input[type="radio"] {
    position: absolute;
    opacity: 0;
    cursor: pointer;
    height: 0;
    width: 0;
}

.checkmark {
    position: absolute;
    top: 2px;
    left: 0;
    height: 20px;
    width: 20px;
    background-color: #fff;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-sm);
    transition: all 0.3s ease;
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.05);
}

.custom-radio .checkmark {
    border-radius: 50%;
}

.custom-checkbox:hover input ~ .checkmark,
.custom-radio:hover input ~ .checkmark {
    border-color: var(--color-primary);
    background-color: rgba(0, 87, 183, 0.05);
    transform: scale(1.05);
}

.custom-checkbox input:checked ~ .checkmark,
.custom-radio input:checked ~ .checkmark {
    background-color: var(--color-primary);
    border-color: var(--color-primary);
    box-shadow: 0 0 0 2px rgba(0, 87, 183, 0.2);
}

.checkmark:after {
    content: "";
    position: absolute;
    display: none;
    transition: all 0.3s ease;
}

.custom-checkbox input:checked ~ .checkmark:after,
.custom-radio input:checked ~ .checkmark:after {
    display: block;
    animation: fadeIn 0.3s ease;
}

.custom-checkbox .checkmark:after {
    left: 7px;
    top: 3px;
    width: 5px;
    height: 10px;
    border: solid white;
    border-width: 0 2px 2px 0;
    transform: rotate(45deg);
}

.custom-radio .checkmark:after {
    top: 5px;
    left: 5px;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: white;
}

.submit-button {
    display: block;
    width: 100%;
    padding: 1rem;
    background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
    color: white;
    font-weight: 600;
    border: none;
    border-radius: var(--radius-md);
    margin-top: 2rem;
    cursor: pointer;
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
    z-index: 1;
    font-size: var(--font-size-md);
    box-shadow: 0 4px 10px rgba(0, 87, 183, 0.3);
}

.submit-button::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, var(--color-secondary), var(--color-primary));
    z-index: -1;
    transition: opacity 0.5s ease;
    opacity: 0;
}

.submit-button:hover {
    transform: translateY(-3px);
    box-shadow: 0 6px 15px rgba(0, 87, 183, 0.4);
}

.submit-button:hover::before {
    opacity: 1;
}

.submit-button:active {
    transform: translateY(-1px);
    box-shadow: 0 4px 8px rgba(0, 87, 183, 0.4);
}

/* Footer Section */
footer {
    background: linear-gradient(135deg, #2D3748 0%, #1A202C 100%);
    color: white;
    padding: 5rem 0 2rem;
    position: relative;
    overflow: hidden;
}

footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 5px;
    background: linear-gradient(90deg, var(--color-primary), var(--color-secondary), var(--color-accent));
}

footer::after {
    content: '';
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(0, 87, 183, 0.1) 0%, transparent 70%);
    bottom: -250px;
    right: -250px;
    z-index: 1;
    pointer-events: none;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 3rem;
    margin-bottom: 3rem;
    position: relative;
    z-index: 2;
}

.footer-column h3 {
    font-size: var(--font-size-lg);
    margin-bottom: 1.5rem;
    color: white;
    position: relative;
    padding-bottom: 0.75rem;
}

.footer-column h3::after {
    content: '';
    position: absolute;
    width: 40px;
    height: 2px;
    background: var(--color-secondary);
    bottom: 0;
    left: 0;
    border-radius: var(--radius-sm);
    transition: width 0.3s ease;
}

.footer-column:hover h3::after {
    width: 60px;
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: 0.75rem;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
    transition: all 0.3s ease;
    display: inline-block;
    position: relative;
    padding-left: 1.25rem;
}

.footer-links a::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%);
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--color-secondary);
    opacity: 0.6;
    transition: all 0.3s ease;
}

.footer-links a:hover {
    color: white;
    transform: translateX(5px);
}

.footer-links a:hover::before {
    opacity: 1;
    transform: translateY(-50%) scale(1.3);
    background: var(--color-accent);
    box-shadow: 0 0 8px rgba(255, 184, 0, 0.5);
}

.social-icons {
    display: flex;
    gap: 1rem;
    margin-top: 1.5rem;
}

.social-icon {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s ease;
    text-decoration: none;
    position: relative;
    overflow: hidden;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
}

.social-icon::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
    border-radius: 50%;
    transform: scale(0);
    transition: transform 0.5s cubic-bezier(0.68, -0.55, 0.265, 1.55);
    z-index: 1;
}

.social-icon:hover::before {
    transform: scale(1);
}

.social-icon svg, .social-icon i {
    color: white;
    position: relative;
    z-index: 2;
    transition: transform 0.3s ease;
    font-size: var(--font-size-lg);
}

.social-icon:hover {
    transform: translateY(-5px);
    box-shadow: 0 6px 10px rgba(0, 0, 0, 0.2);
}

.social-icon:hover svg, .social-icon:hover i {
    transform: scale(1.2);
}

.footer-bottom {
    text-align: center;
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.6);
    font-size: var(--font-size-sm);
    position: relative;
    z-index: 2;
}

.footer-bottom a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: color 0.3s ease;
    position: relative;
}

.footer-bottom a::after {
    content: '';
    position: absolute;
    width: 100%;
    height: 1px;
    background: var(--color-secondary);
    bottom: -2px;
    left: 0;
    transform: scaleX(0);
    transform-origin: right;
    transition: transform 0.3s ease;
}

.footer-bottom a:hover {
    color: white;
}

.footer-bottom a:hover::after {
    transform: scaleX(1);
    transform-origin: left;
}

/* Additional Utility Classes */
.text-gradient {
    background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    display: inline-block;
}

.text-accent {
    color: var(--color-accent);
}

.text-primary {
    color: var(--color-primary);
}

.text-success {
    color: var(--color-success);
}

.bg-gradient {
    background: linear-gradient(135deg, var(--color-primary-light), #f8f9fa);
}

.shadow-hover {
    transition: box-shadow 0.3s ease, transform 0.3s ease;
}

.shadow-hover:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-5px);
}

/* Security Badges */
.security-badges {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 1rem;
    margin-top: 2rem;
}

.security-badge {
    background: rgba(255, 255, 255, 0.9);
    border-radius: var(--radius-md);
    padding: 0.75rem 1.25rem;
    display: flex;
    align-items: center;
    box-shadow: var(--shadow-sm);
    transition: all 0.3s ease;
    border: 1px solid var(--color-border);
}

.security-badge:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    background: white;
    border-color: var(--color-primary-light);
}

.security-badge img {
    height: 40px;
    margin-right: 0.75rem;
    transition: transform 0.3s ease;
}

.security-badge:hover img {
    transform: scale(1.1);
}

.security-badge-text {
    font-size: var(--font-size-xs);
    color: var(--color-text-light);
    transition: color 0.3s ease;
}

.security-badge:hover .security-badge-text {
    color: var(--color-text);
}

.security-badge-text strong {
    display: block;
    color: var(--color-text);
    font-size: var(--font-size-sm);
    margin-bottom: 0.25rem;
    transition: color 0.3s ease;
}

.security-badge:hover .security-badge-text strong {
    color: var(--color-primary-dark);
}

/* Mobile Responsiveness Refinements */
@media (max-width: 992px) {
    .hero-inner {
        flex-direction: column;
    }

    .hero-content {
        text-align: center;
        margin-bottom: 3rem;
        max-width: 100%;
    }
    
    .hero h1::after {
        left: 50%;
        transform: translateX(-50%);
    }

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

    .loan-calculator {
        margin: 0 auto;
        max-width: 500px;
    }

    .hero-image {
        width: 100%;
        max-width: 500px;
        margin: 0 auto;
    }

    nav {
        display: none;
        position: absolute;
        top: 80px;
        left: 0;
        width: 100%;
        background: white;
        padding: 1rem 0;
        box-shadow: var(--shadow-md);
        z-index: 100;
        animation: slideInUp 0.3s ease;
    }
    
    nav ul {
        flex-direction: column;
        align-items: center;
        gap: 0;
    }
    
    nav ul li {
        width: 100%;
        text-align: center;
    }
    
    nav ul a {
        display: block;
        padding: 1rem;
        border-bottom: 1px solid var(--color-border);
    }
    
    nav ul li:last-child a {
        border-bottom: none;
    }

    .mobile-menu-toggle {
        display: block;
        background: none;
        border: none;
        color: var(--color-text);
        font-size: 1.5rem;
        cursor: pointer;
        transition: transform 0.3s ease;
    }
    
    .mobile-menu-toggle:hover {
        color: var(--color-primary);
        transform: scale(1.1);
    }
    
    .process-connection {
        display: none;
    }
    
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }
    
    .form-row {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
}

@media (max-width: 768px) {
    .hero h1 {
        font-size: var(--font-size-3xl);
    }
    
    .hero p {
        font-size: var(--font-size-md);
    }

    .section-header h2 {
        font-size: var(--font-size-2xl);
    }
    
    .section-header p {
        font-size: var(--font-size-md);
    }

    .service-card,
    .testimonial-card {
        padding: 1.5rem;
    }

    .trust-badges {
        flex-direction: column;
        align-items: flex-start;
        gap: 1rem;
    }
    
    .contact-form {
        padding: 1.5rem;
    }
    
    .comparison-table {
        font-size: var(--font-size-sm);
    }
    
    .comparison-table th, 
    .comparison-table td {
        padding: 0.75rem;
    }
    
    .security-badges {
        flex-direction: column;
        align-items: center;
    }
    
    .security-badge {
        width: 100%;
        max-width: 300px;
    }
}

@media (max-width: 576px) {
    .stats-grid {
        grid-template-columns: 1fr;
    }
    
    .hero-buttons {
        flex-direction: column;
        gap: 1rem;
    }
    
    .hero-buttons .cta-button,
    .hero-buttons .secondary-button {
        width: 100%;
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
}

/* Animations for UI Enhancements */
@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}

@keyframes slideInUp {
    from {
        transform: translateY(30px);
        opacity: 0;
    }
    to {
        transform: translateY(0);
        opacity: 1;
    }
}

@keyframes pulse {
    0% { transform: scale(1); }
    50% { transform: scale(1.05); }
    100% { transform: scale(1); }
}

@keyframes spin {
    from { transform: rotate(0deg); }
    to { transform: rotate(360deg); }
}

@keyframes shimmer {
    0% { background-position: -1000px 0; }
    100% { background-position: 1000px 0; }
}

.hover-pulse:hover {
    animation: pulse 2s infinite;
}

.hover-spin:hover {
    animation: spin 4s linear infinite;
}

/* Enhanced UI for Calculator and Contact Form */
/* General Form Enhancements */
.form-control {
    height: 50px;
    border-radius: var(--radius-md);
    border: 1.5px solid var(--color-border);
    padding: 0 1rem;
    font-size: var(--font-size-md);
    width: 100%;
    transition: all 0.3s ease;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.02);
    background-color: #FFFFFF;
}

.form-control:focus {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(0, 87, 183, 0.1);
    outline: none;
}

/* Hover state for form elements */
.form-control:hover:not(:focus) {
    border-color: #C0C7D0;
    box-shadow: 0 3px 6px rgba(0, 0, 0, 0.04);
}

label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: var(--color-text-dark);
    font-size: 0.95rem;
    transition: color 0.3s ease;
}

/* Field groups better spacing */
.form-group {
    margin-bottom: 1.8rem;
    position: relative;
}

/* Form section dividers */
.form-section-header {
    font-size: var(--font-size-lg);
    font-weight: 600;
    color: var(--color-primary-dark);
    margin-bottom: 1.25rem;
    padding-bottom: 0.75rem;
    border-bottom: 1px solid var(--color-border);
    position: relative;
}

.form-section-header::after {
    content: '';
    position: absolute;
    width: 60px;
    height: 3px;
    background: var(--color-primary);
    bottom: -1px;
    left: 0;
    border-radius: var(--radius-sm);
}

/* Improve row layout */
.form-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

/* Input icon styles */
.input-group {
    position: relative;
}

.input-group-icon {
    position: absolute;
    left: 1rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-light);
    transition: all 0.3s ease;
    font-size: 1.1rem;
    pointer-events: none;
}

.input-group .form-control {
    padding-left: 2.75rem;
}

.input-group:focus-within .input-group-icon {
    color: var(--color-primary);
    transform: translateY(-50%) scale(1.1);
}

/* Custom select styling */
select.form-control {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%236B7280'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1rem center;
    background-size: 1.5rem;
    padding-right: 2.5rem;
}

select.form-control:focus {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%230057B7'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E");
}

/* Textarea enhancement */
textarea.form-control {
    height: auto;
    min-height: 120px;
    line-height: 1.6;
    padding: 0.875rem 1rem;
    resize: vertical;
}

/* Amount input with currency */
.input-with-unit {
    position: relative;
}

.input-with-unit .form-control {
    padding-left: 2.75rem;
}

.input-unit {
    position: absolute;
    left: 1rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-dark);
    font-weight: 600;
    pointer-events: none;
    transition: all 0.3s ease;
}

.input-with-unit:focus-within .input-unit {
    color: var(--color-primary);
}

/* Submit button enhancement */
.submit-button {
    width: 100%;
    background: linear-gradient(135deg, var(--color-primary), var(--color-secondary));
    color: white;
    font-weight: 600;
    font-size: var(--font-size-md);
    padding: 1.1rem;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    margin-top: 1.5rem;
    box-shadow: 0 5px 15px rgba(0, 87, 183, 0.3);
    letter-spacing: 0.02em;
    position: relative;
    overflow: hidden;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.75rem;
}

.submit-button i {
    font-size: 1.2rem;
    transition: transform 0.3s ease;
}

.submit-button:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(0, 87, 183, 0.4);
}

.submit-button:hover i {
    transform: translateX(5px);
}

.submit-button::after {
    content: "";
    position: absolute;
    width: 100%;
    height: 100%;
    top: 0;
    left: -100%;
    background: linear-gradient(90deg, 
        transparent, 
        rgba(255, 255, 255, 0.2), 
        transparent);
    transition: left 0.7s ease;
}

.submit-button:hover::after {
    left: 100%;
}

/* Secure transaction indicator */
.secure-transaction {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    margin-top: 1.5rem;
    color: var(--color-text-light);
    font-size: var(--font-size-sm);
    padding: 0.75rem;
    background: #f8fafc;
    border-radius: var(--radius-md);
    transition: all 0.3s ease;
}

.secure-transaction i {
    color: var(--color-success);
    transition: transform 0.3s ease;
}

.secure-transaction:hover {
    background: #f0f7ff;
}

.secure-transaction:hover i {
    transform: scale(1.2);
}

/* Required field indicator */
.required-field::after {
    content: '*';
    color: var(--color-error);
    margin-left: 0.25rem;
}

/* Custom checkboxes and radios */
.custom-checkbox, 
.custom-radio {
    display: flex;
    align-items: flex-start;
    margin-bottom: 0.875rem;
    cursor: pointer;
    position: relative;
    padding-left: 2rem;
    transition: transform 0.3s ease;
}

.custom-checkbox:hover,
.custom-radio:hover {
    transform: translateX(3px);
}

.custom-checkbox input,
.custom-radio input {
    position: absolute;
    opacity: 0;
    cursor: pointer;
}

.checkmark {
    position: absolute;
    top: 0.125rem;
    left: 0;
    height: 22px;
    width: 22px;
    background-color: #fff;
    border: 2px solid var(--color-border);
    transition: all 0.3s ease;
    border-radius: var(--radius-sm);
}

.custom-radio .checkmark {
    border-radius: 50%;
}

.custom-checkbox:hover input ~ .checkmark,
.custom-radio:hover input ~ .checkmark {
    background-color: #f0f7ff;
    border-color: var(--color-primary-light);
}

.custom-checkbox input:checked ~ .checkmark,
.custom-radio input:checked ~ .checkmark {
    background-color: var(--color-primary);
    border-color: var(--color-primary);
    box-shadow: 0 0 0 2px rgba(0, 87, 183, 0.2);
}

.checkmark:after {
    content: "";
    position: absolute;
    display: none;
    transition: all 0.2s ease;
}

.custom-checkbox input:checked ~ .checkmark:after,
.custom-radio input:checked ~ .checkmark:after {
    display: block;
    animation: fadeIn 0.2s ease;
}

.custom-checkbox .checkmark:after {
    left: 7px;
    top: 3px;
    width: 6px;
    height: 11px;
    border: solid white;
    border-width: 0 2px 2px 0;
    transform: rotate(45deg);
}

.custom-radio .checkmark:after {
    top: 6px;
    left: 6px;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: white;
}

/* WhatsApp Button */
.whatsapp-container {
    position: fixed;
    bottom: 30px;
    right: 30px;
    z-index: 1000;
}

.whatsapp-btn {
    width: 60px;
    height: 60px;
    background-color: #25D366;
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    color: white;
    font-size: 28px;
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.2);
    cursor: pointer;
    transition: all 0.3s ease;
    animation: pulse-ring 2s cubic-bezier(0.455, 0.03, 0.515, 0.955) infinite;
}

.whatsapp-btn:hover {
    transform: scale(1.1);
    box-shadow: 0 6px 15px rgba(0, 0, 0, 0.25);
}

/* WhatsApp Popup */
.whatsapp-popup {
    position: fixed;
    bottom: 100px;
    right: 30px;
    width: 320px;
    background-color: white;
    border-radius: 12px;
    box-shadow: 0 5px 25px rgba(0, 0, 0, 0.2);
    z-index: 999;
    transform-origin: bottom right;
    transition: all 0.3s ease;
    overflow: hidden;
    display: none;
}

.whatsapp-popup::after {
    content: '';
    position: absolute;
    bottom: -10px;
    right: 25px;
    width: 0;
    height: 0;
    border-left: 10px solid transparent;
    border-right: 10px solid transparent;
    border-top: 10px solid white;
}

.whatsapp-popup-header {
    background-color: #25D366;
    color: white;
    padding: 15px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.whatsapp-popup-title {
    font-weight: 600;
    font-size: 16px;
    margin: 0;
}

.whatsapp-popup-subtitle {
    font-size: 12px;
    margin: 4px 0 0;
    opacity: 0.8;
}

.whatsapp-popup-header button {
    background: none;
    border: none;
    color: white;
    cursor: pointer;
    font-size: 16px;
    padding: 0;
}

.whatsapp-popup-body {
    padding: 15px;
    max-height: 200px;
    overflow-y: auto;
}

.whatsapp-message {
    margin-bottom: 12px;
    font-size: 14px;
    line-height: 1.4;
    color: var(--color-text);
}

.whatsapp-popup-footer {
    border-top: 1px solid var(--color-border);
    padding: 10px 15px;
    display: flex;
    align-items: center;
    background-color: #f8f8f8;
}

.whatsapp-popup-footer input {
    flex: 1;
    border: 1px solid #e0e0e0;
    border-radius: var(--radius-md);
    padding: 8px 12px;
    font-size: 14px;
    outline: none;
    transition: border-color 0.3s;
}

.whatsapp-popup-footer input:focus {
    border-color: #25D366;
}

.whatsapp-popup-footer button {
    background-color: #25D366;
    color: white;
    border: none;
    border-radius: var(--radius-md);
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-left: 8px;
    cursor: pointer;
    transition: all 0.3s ease;
}

.whatsapp-popup-footer button:hover {
    background-color: #128C7E;
    transform: scale(1.05);
}

@keyframes pulse-ring {
    0% {
        transform: scale(0.95);
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.7);
    }
    70% {
        transform: scale(1);
        box-shadow: 0 0 0 10px rgba(37, 211, 102, 0);
    }
    100% {
        transform: scale(0.95);
        box-shadow: 0 0 0 0 rgba(37, 211, 102, 0);
    }
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.fadeIn {
    animation: fadeIn 0.3s ease forwards;
}

/* Add to the end of your CSS */
/* .cursor-dot,
.cursor-circle {
  position: fixed;
  pointer-events: none;
  z-index: 9999;
  transition: transform 0.2s ease;
  transform-origin: center center;
}

.cursor-dot {
  width: 8px;
  height: 8px;
  background: var(--color-primary);
  border-radius: 50%;
  transform: translate(-50%, -50%);
  transition: all 0.15s ease-out;
}

.cursor-circle {
  width: 40px;
  height: 40px;
  border: 2px solid var(--color-primary);
  border-radius: 50%;
  opacity: 0.5;
  transform: translate(-50%, -50%) scale(0.8);
  transition: all 0.3s ease-out;
} */

.section-divider {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    overflow: hidden;
    line-height: 0;
    transform: rotate(180deg);
}

.section-divider svg {
    position: relative;
    display: block;
    width: calc(100% + 1.3px);
    height: 80px;
    transform: rotateY(180deg);
}

.section-divider .shape-fill {
    fill: #FFFFFF;
}

/* Add this divider before the closing </section> tag */