/* ===== UPGRADE LENDER - MAIN STYLESHEET ===== */
/* Theme Colors: White / #0c4409 (Primary Green) / #e7f3e6 (Light Green) / #e49b09 (Gold) */

/* ===== CSS VARIABLES ===== */
:root {
    --primary-green: #0c4409;
    --primary-green-dark: #083006;
    --light-green: #e7f3e6;
    --light-green-dark: #d4e8d2;
    --gold: #e49b09;
    --gold-dark: #c88608;
    --white: #ffffff;
    --off-white: #fafafa;
    --gray-50: #f9fafb;
    --gray-100: #f3f4f6;
    --gray-200: #e5e7eb;
    --gray-300: #d1d5db;
    --gray-400: #9ca3af;
    --gray-500: #6b7280;
    --gray-600: #4b5563;
    --gray-700: #374151;
    --gray-800: #1f2937;
    --gray-900: #111827;
    --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
    --shadow: 0 1px 3px 0 rgb(0 0 0 / 0.1), 0 1px 2px -1px rgb(0 0 0 / 0.1);
    --shadow-md: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
    --shadow-lg: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
    --shadow-xl: 0 20px 25px -5px rgb(0 0 0 / 0.1), 0 8px 10px -6px rgb(0 0 0 / 0.1);
    --radius-sm: 0.375rem;
    --radius: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --radius-2xl: 1.5rem;
    --transition: all 0.3s ease;
    --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, sans-serif;
}

/* ===== RESET & BASE ===== */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-sans);
    line-height: 1.7;
    color: var(--gray-700);
    background-color: var(--white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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

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

ul, ol {
    list-style: none;
}

button {
    font-family: inherit;
    cursor: pointer;
    border: none;
    outline: none;
}

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4, h5, h6 {
    color: var(--gray-900);
    font-weight: 700;
    line-height: 1.3;
    margin-bottom: 1rem;
}

h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 4vw, 2.75rem); }
h3 { font-size: clamp(1.5rem, 3vw, 2rem); }
h4 { font-size: clamp(1.25rem, 2.5vw, 1.5rem); }
h5 { font-size: 1.125rem; }
h6 { font-size: 1rem; }

p {
    margin-bottom: 1rem;
    color: var(--gray-600);
}

/* ===== LAYOUT ===== */
.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.container-sm {
    max-width: 960px;
}

.container-lg {
    max-width: 1440px;
}

section {
    padding: 5rem 0;
}

.section-header {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 3rem;
}

.section-header h2 {
    margin-bottom: 1rem;
}

.section-header p {
    font-size: 1.125rem;
}

/* ===== HEADER & NAVIGATION ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--white);
    box-shadow: var(--shadow);
    transition: var(--transition);
}

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

.nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1rem 0;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary-green);
}

.logo img {
    width: 45px;
    height: 45px;
    border-radius: var(--radius);
}

.logo span {
    background: linear-gradient(135deg, var(--primary-green), var(--gold));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.nav-link {
    padding: 0.625rem 1rem;
    font-weight: 500;
    color: var(--gray-700);
    border-radius: var(--radius);
    position: relative;
}

.nav-link:hover {
    color: var(--primary-green);
    background: var(--light-green);
}

.nav-link.active {
    color: var(--primary-green);
    background: var(--light-green);
}

/* Dropdown Menu */
.nav-dropdown {
    position: relative;
}

.dropdown-toggle {
    display: flex;
    align-items: center;
    gap: 0.375rem;
}

.dropdown-toggle::after {
    content: '';
    width: 0;
    height: 0;
    border-left: 4px solid transparent;
    border-right: 4px solid transparent;
    border-top: 5px solid currentColor;
    transition: var(--transition);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 220px;
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    padding: 0.5rem;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    z-index: 100;
}

.nav-dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.nav-dropdown:hover .dropdown-toggle::after {
    transform: rotate(180deg);
}

.dropdown-item {
    display: block;
    padding: 0.75rem 1rem;
    font-size: 0.9375rem;
    color: var(--gray-700);
    border-radius: var(--radius);
}

.dropdown-item:hover {
    background: var(--light-green);
    color: var(--primary-green);
}

/* Mobile Menu */
.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 0.5rem;
    background: transparent;
}

.menu-toggle span {
    width: 24px;
    height: 2px;
    background: var(--gray-700);
    transition: var(--transition);
}

.nav-cta {
    display: flex;
    align-items: center;
    gap: 1rem;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.875rem 1.75rem;
    font-size: 1rem;
    font-weight: 600;
    border-radius: var(--radius-lg);
    transition: var(--transition);
    white-space: nowrap;
}

.btn-primary {
    background: var(--primary-green);
    color: var(--white);
}

.btn-primary:hover {
    background: var(--primary-green-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-secondary {
    background: var(--gold);
    color: var(--white);
}

.btn-secondary:hover {
    background: var(--gold-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-gold {
    background: #d4a012;
    color: #0c4409;
    font-weight: 700;
}

.btn-gold:hover {
    background: #b8890f;
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-outline {
    background: transparent;
    border: 2px solid var(--primary-green);
    color: var(--primary-green);
}

.btn-outline:hover {
    background: var(--primary-green);
    color: var(--white);
}

.btn-outline-light {
    background: transparent;
    border: 2px solid white;
    color: white;
}

.btn-outline-light:hover {
    background: white;
    color: var(--primary-green);
}

.btn-white {
    background: var(--white);
    color: var(--primary-green);
}

.btn-white:hover {
    background: var(--light-green);
    transform: translateY(-2px);
}

.btn-lg {
    padding: 1rem 2.5rem;
    font-size: 1.125rem;
}

.btn-sm {
    padding: 0.5rem 1rem;
    font-size: 0.875rem;
}

.btn-icon {
    width: 48px;
    height: 48px;
    padding: 0;
    border-radius: 50%;
}

/* ===== HERO SECTION ===== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding-top: 80px;
    background: linear-gradient(135deg, var(--light-green) 0%, var(--white) 50%, var(--light-green) 100%);
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 80%;
    height: 150%;
    background: radial-gradient(ellipse, rgba(12, 68, 9, 0.05) 0%, transparent 70%);
    pointer-events: none;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.hero-text {
    position: relative;
    z-index: 2;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 1rem;
    background: var(--white);
    border: 1px solid var(--light-green-dark);
    border-radius: 50px;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--primary-green);
    margin-bottom: 1.5rem;
    box-shadow: var(--shadow);
}

.hero-badge svg {
    width: 18px;
    height: 18px;
}

.hero h1 {
    font-size: clamp(2.5rem, 5vw, 4rem);
    margin-bottom: 1.5rem;
    line-height: 1.1;
}

.hero h1 span {
    color: var(--primary-green);
    position: relative;
}

.hero h1 span::after {
    content: '';
    position: absolute;
    bottom: 5px;
    left: 0;
    width: 100%;
    height: 8px;
    background: var(--gold);
    opacity: 0.3;
    z-index: -1;
}

.hero-description {
    font-size: 1.25rem;
    color: var(--gray-600);
    margin-bottom: 2rem;
    max-width: 540px;
}

.hero-buttons {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    margin-bottom: 2.5rem;
}

.hero-stats {
    display: flex;
    gap: 2.5rem;
}

.stat-item {
    text-align: center;
}

.stat-number {
    display: block;
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary-green);
    line-height: 1;
}

.stat-label {
    font-size: 0.875rem;
    color: var(--gray-500);
    margin-top: 0.25rem;
}

.hero-visual {
    position: relative;
}

.hero-image {
    position: relative;
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
}

.hero-image img {
    width: 100%;
    aspect-ratio: 5/6;
    object-fit: cover;
}

.hero-image::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(45deg, rgba(12, 68, 9, 0.1), transparent);
    z-index: 1;
}

.hero-float-card {
    position: absolute;
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 1rem 1.5rem;
    box-shadow: var(--shadow-xl);
    animation: float 3s ease-in-out infinite;
}

.hero-float-card.card-1 {
    top: 10%;
    left: -10%;
    animation-delay: 0s;
}

.hero-float-card.card-2 {
    bottom: 20%;
    right: -10%;
    animation-delay: 1.5s;
}

.float-card-icon {
    width: 48px;
    height: 48px;
    background: var(--light-green);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 0.5rem;
}

.float-card-icon svg {
    width: 24px;
    height: 24px;
    color: var(--primary-green);
}

.float-card-title {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--gray-900);
}

.float-card-value {
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--primary-green);
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-15px); }
}

/* ===== FEATURES SECTION ===== */
.features {
    background: var(--white);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
}

.feature-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 2rem;
    text-align: center;
    transition: var(--transition);
}

.feature-card:hover {
    border-color: var(--primary-green);
    box-shadow: var(--shadow-lg);
    transform: translateY(-5px);
}

.feature-icon {
    width: 72px;
    height: 72px;
    background: var(--light-green);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
}

.feature-icon svg {
    width: 36px;
    height: 36px;
    color: var(--primary-green);
}

.feature-card h4 {
    margin-bottom: 0.75rem;
}

.feature-card p {
    font-size: 0.9375rem;
    margin-bottom: 0;
}

/* ===== HOW IT WORKS ===== */
.how-it-works {
    background: var(--light-green);
}

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

.steps-container::before {
    content: '';
    position: absolute;
    top: 50px;
    left: 10%;
    right: 10%;
    height: 3px;
    background: var(--primary-green);
    opacity: 0.2;
}

.step-card {
    text-align: center;
    position: relative;
    z-index: 2;
}

.step-number {
    width: 100px;
    height: 100px;
    background: var(--white);
    border: 3px solid var(--primary-green);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--primary-green);
    margin: 0 auto 1.5rem;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
}

.step-card:hover .step-number {
    background: var(--primary-green);
    color: var(--white);
    transform: scale(1.1);
}

.step-card h4 {
    margin-bottom: 0.75rem;
}

/* ===== LOAN TYPES ===== */
.loan-types {
    background: var(--white);
}

.loan-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
}

.loan-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.loan-card:hover {
    box-shadow: var(--shadow-xl);
    transform: translateY(-8px);
}

.loan-card-image {
    position: relative;
    aspect-ratio: 5/6;
    overflow: hidden;
}

.loan-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition);
}

.loan-card:hover .loan-card-image img {
    transform: scale(1.05);
}

.loan-card-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(to top, rgba(0,0,0,0.7) 0%, transparent 50%);
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    padding: 1.5rem;
}

.loan-card-overlay h4 {
    color: var(--white);
    margin-bottom: 0.5rem;
}

.loan-card-overlay p {
    color: rgba(255,255,255,0.8);
    font-size: 0.875rem;
    margin-bottom: 0;
}

.loan-card-content {
    padding: 1.5rem;
}

.loan-card-content p {
    font-size: 0.9375rem;
    margin-bottom: 1rem;
}

.loan-card .btn {
    width: 100%;
}

/* ===== BENEFITS SECTION ===== */
.benefits {
    background: var(--primary-green);
    color: var(--white);
    position: relative;
    overflow: hidden;
}

.benefits::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 60%;
    height: 150%;
    background: radial-gradient(ellipse, rgba(255,255,255,0.05) 0%, transparent 70%);
}

.benefits .section-header h2,
.benefits .section-header p {
    color: var(--white);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.benefit-card {
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: var(--radius-xl);
    padding: 2rem;
    backdrop-filter: blur(10px);
    transition: var(--transition);
}

.benefit-card:hover {
    background: rgba(255,255,255,0.15);
    transform: translateY(-5px);
}

.benefit-icon {
    width: 64px;
    height: 64px;
    background: var(--gold);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.benefit-icon svg {
    width: 32px;
    height: 32px;
    color: var(--white);
}

.benefit-card h4 {
    color: var(--white);
    margin-bottom: 0.75rem;
}

.benefit-card p {
    color: rgba(255,255,255,0.8);
    margin-bottom: 0;
}

/* ===== TRUST INDICATORS ===== */
.trust-section {
    background: var(--gray-50);
    padding: 3rem 0;
}

.trust-grid {
    display: flex;
    justify-content: space-around;
    align-items: center;
    flex-wrap: wrap;
    gap: 2rem;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.trust-icon {
    width: 56px;
    height: 56px;
    background: var(--light-green);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.trust-icon svg {
    width: 28px;
    height: 28px;
    color: var(--primary-green);
}

.trust-text h5 {
    margin-bottom: 0.25rem;
}

.trust-text p {
    font-size: 0.875rem;
    margin-bottom: 0;
    color: var(--gray-500);
}

/* ===== TESTIMONIALS ===== */
.testimonials {
    background: var(--white);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.testimonial-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 2rem;
    transition: var(--transition);
}

.testimonial-card:hover {
    box-shadow: var(--shadow-lg);
    border-color: var(--light-green-dark);
}

.testimonial-stars {
    display: flex;
    gap: 0.25rem;
    margin-bottom: 1rem;
}

.testimonial-stars svg {
    width: 20px;
    height: 20px;
    fill: var(--gold);
}

.testimonial-text {
    font-size: 1rem;
    font-style: italic;
    color: var(--gray-600);
    margin-bottom: 1.5rem;
    line-height: 1.8;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.testimonial-avatar {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    object-fit: cover;
    border: 3px solid var(--light-green);
}

.author-info h5 {
    margin-bottom: 0.25rem;
}

.author-info p {
    font-size: 0.875rem;
    margin-bottom: 0;
}

/* ===== CTA SECTION ===== */
.cta-section {
    background: linear-gradient(135deg, var(--primary-green) 0%, var(--primary-green-dark) 100%);
    padding: 5rem 0;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Ccircle cx='30' cy='30' r='5'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.cta-content {
    text-align: center;
    position: relative;
    z-index: 2;
}

.cta-content h2 {
    color: var(--white);
    margin-bottom: 1rem;
}

.cta-content p {
    color: rgba(255,255,255,0.9);
    font-size: 1.25rem;
    margin-bottom: 2rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 1rem;
    flex-wrap: wrap;
}

/* ===== FORM STYLES ===== */
.form-section {
    background: var(--light-green);
    padding: 5rem 0;
}

.form-container {
    max-width: 800px;
    margin: 0 auto;
    background: var(--white);
    border-radius: var(--radius-2xl);
    padding: 3rem;
    box-shadow: var(--shadow-xl);
}

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

.form-group {
    margin-bottom: 1.5rem;
}

.form-label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: var(--gray-700);
}

.form-input {
    width: 100%;
    padding: 0.875rem 1rem;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 1rem;
    transition: var(--transition);
}

.form-input:focus {
    outline: none;
    border-color: var(--primary-green);
    box-shadow: 0 0 0 3px rgba(12, 68, 9, 0.1);
}

.form-select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236b7280' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1rem center;
    padding-right: 2.5rem;
}

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

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
}

.form-checkbox input {
    margin-top: 0.25rem;
    width: 18px;
    height: 18px;
    accent-color: var(--primary-green);
}

.form-checkbox label {
    font-size: 0.875rem;
    color: var(--gray-600);
}

.form-checkbox a {
    color: var(--primary-green);
    text-decoration: underline;
}

/* ===== CALCULATOR ===== */
.calculator-section {
    background: var(--white);
}

.calculator-container {
    background: var(--light-green);
    border-radius: var(--radius-2xl);
    padding: 3rem;
    max-width: 1000px;
    margin: 0 auto;
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: start;
}

.calculator-inputs {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 2rem;
}

.range-group {
    margin-bottom: 2rem;
}

.range-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1rem;
}

.range-header label {
    font-weight: 600;
    color: var(--gray-700);
}

.range-value {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-green);
}

.range-slider {
    width: 100%;
    height: 8px;
    border-radius: 4px;
    background: var(--gray-200);
    appearance: none;
    cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary-green);
    cursor: pointer;
    box-shadow: var(--shadow-md);
}

.range-slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary-green);
    cursor: pointer;
    border: none;
}

.range-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 0.5rem;
    font-size: 0.75rem;
    color: var(--gray-500);
}

.calculator-results {
    background: var(--primary-green);
    border-radius: var(--radius-xl);
    padding: 2rem;
    color: var(--white);
}

.result-item {
    padding: 1.5rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.2);
}

.result-item:last-child {
    border-bottom: none;
}

.result-label {
    font-size: 0.875rem;
    opacity: 0.8;
    margin-bottom: 0.25rem;
}

.result-value {
    font-size: 2rem;
    font-weight: 700;
}

.result-note {
    font-size: 0.75rem;
    opacity: 0.7;
    margin-top: 0.25rem;
}

/* ===== FAQ SECTION ===== */
.faq-section {
    background: var(--gray-50);
}

.faq-container {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius-lg);
    margin-bottom: 1rem;
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.faq-question {
    width: 100%;
    padding: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: var(--white);
    font-size: 1.0625rem;
    font-weight: 600;
    text-align: left;
    color: var(--gray-800);
    transition: var(--transition);
}

.faq-question:hover {
    background: var(--light-green);
}

.faq-question svg {
    width: 24px;
    height: 24px;
    color: var(--primary-green);
    transition: var(--transition);
    flex-shrink: 0;
}

.faq-item.active .faq-question svg {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer-content {
    padding: 0 1.5rem 1.5rem;
    color: var(--gray-600);
    line-height: 1.8;
}

/* ===== BLOG SECTION ===== */
.blog-section {
    background: var(--white);
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.blog-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

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

.blog-card-image {
    position: relative;
    aspect-ratio: 5/6;
    overflow: hidden;
}

.blog-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: var(--transition);
}

.blog-card:hover .blog-card-image img {
    transform: scale(1.05);
}

.blog-category {
    position: absolute;
    top: 1rem;
    left: 1rem;
    background: var(--primary-green);
    color: var(--white);
    padding: 0.375rem 0.75rem;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 600;
}

.blog-card-content {
    padding: 1.5rem;
}

.blog-meta {
    display: flex;
    align-items: center;
    gap: 1rem;
    font-size: 0.8125rem;
    color: var(--gray-500);
    margin-bottom: 0.75rem;
}

.blog-meta span {
    display: flex;
    align-items: center;
    gap: 0.375rem;
}

.blog-card-content h4 {
    margin-bottom: 0.75rem;
    line-height: 1.4;
}

.blog-card-content h4 a:hover {
    color: var(--primary-green);
}

.blog-excerpt {
    font-size: 0.9375rem;
    color: var(--gray-600);
    margin-bottom: 1rem;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.read-more {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 600;
    color: var(--primary-green);
}

.read-more:hover {
    gap: 0.75rem;
}

.read-more svg {
    width: 18px;
    height: 18px;
}

/* ===== BLOG POST ===== */
.blog-post {
    padding-top: 100px;
}

.blog-post-header {
    background: var(--light-green);
    padding: 4rem 0;
}

.blog-post-meta {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    margin-bottom: 1rem;
    flex-wrap: wrap;
}

.blog-post-meta span {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.875rem;
    color: var(--gray-600);
}

.blog-post-title {
    font-size: clamp(2rem, 4vw, 3rem);
    margin-bottom: 1.5rem;
}

.blog-post-excerpt {
    font-size: 1.25rem;
    color: var(--gray-600);
    max-width: 800px;
}

.blog-post-featured-image {
    margin-top: -3rem;
    margin-bottom: 3rem;
}

.blog-post-featured-image img {
    width: 100%;
    max-height: 500px;
    object-fit: cover;
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-xl);
}

.blog-post-content {
    max-width: 800px;
    margin: 0 auto;
}

.blog-post-content h2 {
    margin-top: 2.5rem;
    margin-bottom: 1rem;
}

.blog-post-content h3 {
    margin-top: 2rem;
    margin-bottom: 0.75rem;
}

.blog-post-content p {
    font-size: 1.0625rem;
    line-height: 1.9;
    margin-bottom: 1.5rem;
}

.blog-post-content ul,
.blog-post-content ol {
    margin-bottom: 1.5rem;
    padding-left: 1.5rem;
}

.blog-post-content li {
    margin-bottom: 0.5rem;
    color: var(--gray-600);
}

.blog-post-content ul li {
    list-style: disc;
}

.blog-post-content ol li {
    list-style: decimal;
}

.blog-post-content blockquote {
    border-left: 4px solid var(--primary-green);
    padding-left: 1.5rem;
    margin: 2rem 0;
    font-style: italic;
    color: var(--gray-700);
}

.content-highlight {
    background: var(--light-green);
    border-radius: var(--radius-lg);
    padding: 1.5rem 2rem;
    margin: 2rem 0;
}

.content-highlight h4 {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 1rem;
}

.content-highlight svg {
    color: var(--primary-green);
}

.author-box {
    display: flex;
    gap: 1.5rem;
    background: var(--gray-50);
    border-radius: var(--radius-xl);
    padding: 2rem;
    margin-top: 3rem;
}

.author-box img {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    object-fit: cover;
}

.author-box-content h4 {
    margin-bottom: 0.5rem;
}

.author-box-content p {
    margin-bottom: 0;
}

.related-posts {
    margin-top: 4rem;
    padding-top: 3rem;
    border-top: 1px solid var(--gray-200);
}

.related-posts h3 {
    text-align: center;
    margin-bottom: 2rem;
}

/* ===== REVIEW PAGE ===== */
.review-hero {
    background: linear-gradient(135deg, var(--light-green) 0%, var(--white) 100%);
    padding: 8rem 0 4rem;
}

.review-stats-container {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 3rem;
    align-items: start;
}

.review-overall {
    background: var(--white);
    border-radius: var(--radius-2xl);
    padding: 2.5rem;
    text-align: center;
    box-shadow: var(--shadow-lg);
}

.overall-score {
    font-size: 5rem;
    font-weight: 800;
    color: var(--primary-green);
    line-height: 1;
}

.overall-stars {
    display: flex;
    justify-content: center;
    gap: 0.25rem;
    margin: 1rem 0;
}

.overall-stars svg {
    width: 28px;
    height: 28px;
    fill: var(--gold);
}

.overall-count {
    font-size: 0.9375rem;
    color: var(--gray-600);
}

.rating-breakdown {
    background: var(--white);
    border-radius: var(--radius-2xl);
    padding: 2.5rem;
    box-shadow: var(--shadow-lg);
}

.rating-bar-item {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1rem;
}

.rating-bar-item:last-child {
    margin-bottom: 0;
}

.rating-label {
    display: flex;
    align-items: center;
    gap: 0.375rem;
    width: 80px;
    font-weight: 600;
}

.rating-label svg {
    width: 18px;
    height: 18px;
    fill: var(--gold);
}

.rating-bar {
    flex: 1;
    height: 12px;
    background: var(--gray-200);
    border-radius: 6px;
    overflow: hidden;
}

.rating-bar-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--gold), var(--primary-green));
    border-radius: 6px;
    transition: width 1s ease;
}

.rating-count {
    width: 60px;
    text-align: right;
    font-size: 0.875rem;
    color: var(--gray-600);
}

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

.review-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 2rem;
    transition: var(--transition);
}

.review-card:hover {
    box-shadow: var(--shadow-md);
    border-color: var(--light-green-dark);
}

.review-card-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 1rem;
}

.reviewer-info {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.reviewer-avatar {
    width: 48px;
    height: 48px;
    background: var(--light-green);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    color: var(--primary-green);
}

.reviewer-name {
    font-weight: 600;
    color: var(--gray-900);
}

.reviewer-date {
    font-size: 0.8125rem;
    color: var(--gray-500);
}

.review-rating {
    display: flex;
    gap: 0.125rem;
}

.review-rating svg {
    width: 18px;
    height: 18px;
    fill: var(--gold);
}

.review-content {
    color: var(--gray-600);
    line-height: 1.8;
}

.verified-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.375rem;
    font-size: 0.75rem;
    color: var(--primary-green);
    margin-top: 1rem;
}

.verified-badge svg {
    width: 16px;
    height: 16px;
}

/* ===== ALTERNATIVES PAGE ===== */
.alternatives-grid {
    display: grid;
    gap: 1.5rem;
}

.alternative-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 2rem;
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 2rem;
    align-items: center;
    transition: var(--transition);
}

.alternative-card:hover {
    box-shadow: var(--shadow-md);
    border-color: var(--light-green-dark);
}

.alternative-rank {
    width: 56px;
    height: 56px;
    background: var(--light-green);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary-green);
}

.alternative-info h4 {
    margin-bottom: 0.5rem;
}

.alternative-info p {
    font-size: 0.9375rem;
    margin-bottom: 0.75rem;
}

.alternative-features {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.alternative-feature {
    display: inline-flex;
    align-items: center;
    gap: 0.375rem;
    padding: 0.25rem 0.625rem;
    background: var(--gray-100);
    border-radius: 50px;
    font-size: 0.75rem;
    color: var(--gray-700);
}

.alternative-feature svg {
    width: 14px;
    height: 14px;
    color: var(--primary-green);
}

.alternative-action {
    text-align: right;
}

.alternative-apr {
    font-size: 0.8125rem;
    color: var(--gray-600);
    margin-bottom: 0.75rem;
}

.alternative-apr strong {
    color: var(--primary-green);
    font-size: 1.125rem;
}

/* ===== COMPARISON TABLE ===== */
.comparison-section {
    background: var(--light-green);
}

.comparison-table-wrapper {
    overflow-x: auto;
    background: var(--white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 800px;
}

.comparison-table th,
.comparison-table td {
    padding: 1.25rem 1.5rem;
    text-align: left;
    border-bottom: 1px solid var(--gray-200);
}

.comparison-table th {
    background: var(--primary-green);
    color: var(--white);
    font-weight: 600;
}

.comparison-table th:first-child {
    border-radius: var(--radius-lg) 0 0 0;
}

.comparison-table th:last-child {
    border-radius: 0 var(--radius-lg) 0 0;
}

.comparison-table tr:last-child td {
    border-bottom: none;
}

.comparison-table tr:hover {
    background: var(--gray-50);
}

.comparison-check {
    color: var(--primary-green);
}

.comparison-x {
    color: var(--gray-400);
}

.comparison-highlight {
    background: var(--light-green) !important;
}

/* ===== BREADCRUMB ===== */
.breadcrumb-nav {
    background: var(--gray-50);
    padding: 0.75rem 0;
    margin-top: 80px;
}

.breadcrumb-nav .breadcrumb {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.5rem;
    font-size: 0.875rem;
    list-style: none;
    margin: 0;
    padding: 0;
    background: transparent;
}

.breadcrumb-nav .breadcrumb-item {
    display: flex;
    align-items: center;
}

.breadcrumb-nav .breadcrumb-item + .breadcrumb-item::before {
    content: '/';
    padding: 0 0.5rem;
    color: var(--gray-400);
}

.breadcrumb-nav .breadcrumb-item a {
    color: var(--gray-600);
}

.breadcrumb-nav .breadcrumb-item a:hover {
    color: var(--primary-green);
}

.breadcrumb-nav .breadcrumb-item.active {
    color: var(--gray-900);
    font-weight: 500;
}

.breadcrumb {
    padding: 1rem 0;
    background: var(--gray-50);
}

.breadcrumb-list {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.5rem;
    font-size: 0.875rem;
}

.breadcrumb-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.breadcrumb-item a {
    color: var(--gray-600);
}

.breadcrumb-item a:hover {
    color: var(--primary-green);
}

.breadcrumb-item.active {
    color: var(--gray-900);
    font-weight: 500;
}

.breadcrumb-separator {
    color: var(--gray-400);
}

/* ===== SOCIAL SHARE ===== */
.social-share {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin: 2rem 0;
}

.social-share span {
    font-weight: 600;
    color: var(--gray-700);
}

.social-share-buttons {
    display: flex;
    gap: 0.5rem;
}

/* Blog Post Page Styles */
.blog-post-page {
    padding-top: 100px;
}

.post-featured-image {
    text-align: center;
    margin: 2rem 0;
}

.post-featured-image img {
    max-width: 100%;
    height: auto;
    border-radius: 16px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.1);
}

.post-content {
    max-width: 800px;
    margin: 0 auto;
    font-size: 1.1rem;
    line-height: 1.8;
    color: #333;
}

.post-content h2 {
    margin-top: 2.5rem;
    margin-bottom: 1rem;
    color: var(--primary-green);
}

.post-content p {
    margin-bottom: 1.5rem;
}

.post-content ul, .post-content ol {
    margin-bottom: 1.5rem;
    padding-left: 2rem;
}

.post-content li {
    margin-bottom: 0.5rem;
}

.post-highlight {
    background: var(--light-green);
    border-left: 4px solid var(--primary-green);
    padding: 1.5rem 2rem;
    margin: 2rem 0;
    border-radius: 0 12px 12px 0;
}

.post-highlight h4 {
    color: var(--primary-green);
    margin-bottom: 1rem;
}

.post-author-box {
    background: #f8f9fa;
    border-radius: 12px;
    padding: 2rem;
    margin: 3rem 0;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.post-author-box h4 {
    color: var(--primary-green);
    margin-bottom: 1rem;
}

.post-share {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin: 2rem 0;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.post-share span {
    font-weight: 600;
    color: var(--gray-700);
}

.post-share .share-buttons {
    display: flex;
    gap: 0.5rem;
}

.related-posts {
    max-width: 800px;
    margin: 3rem auto;
}

.related-posts h3 {
    margin-bottom: 1.5rem;
    color: var(--primary-green);
}

.related-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}

.related-card {
    background: white;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
    transition: transform 0.3s ease;
    text-decoration: none;
}

.related-card:hover {
    transform: translateY(-5px);
}

.related-card img {
    width: 100%;
    height: 150px;
    object-fit: cover;
}

.related-card h4 {
    padding: 1rem;
    font-size: 0.95rem;
    color: #333;
}

@media (max-width: 768px) {
    .related-grid {
        grid-template-columns: 1fr;
    }
    
    .post-share {
        flex-direction: column;
        align-items: flex-start;
    }
}

.share-btn {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.share-btn svg {
    width: 18px;
    height: 18px;
}

.share-btn.facebook {
    background: #1877f2;
    color: white;
}

.share-btn.twitter {
    background: #1da1f2;
    color: white;
}

.share-btn.linkedin {
    background: #0a66c2;
    color: white;
}

.share-btn.pinterest {
    background: #e60023;
    color: white;
}

.share-btn:hover {
    transform: scale(1.1);
}

/* ===== FOOTER ===== */
.footer {
    background: var(--gray-900);
    color: var(--gray-400);
    padding-top: 5rem;
}

.footer-main {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    padding-bottom: 3rem;
    border-bottom: 1px solid var(--gray-700);
}

.footer-brand {
    max-width: 320px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1.5rem;
}

.footer-logo img {
    width: 45px;
    height: 45px;
    border-radius: var(--radius);
}

.footer-logo span {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--white);
}

.footer-brand p {
    line-height: 1.8;
    margin-bottom: 1.5rem;
}

.footer-social {
    display: flex;
    gap: 0.75rem;
}

.footer-social a {
    width: 40px;
    height: 40px;
    background: var(--gray-800);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.footer-social a:hover {
    background: var(--primary-green);
    color: var(--white);
}

.footer-social svg {
    width: 20px;
    height: 20px;
}

.footer-column h5 {
    color: var(--white);
    margin-bottom: 1.5rem;
    font-size: 1.0625rem;
}

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

.footer-links a {
    color: var(--gray-400);
    font-size: 0.9375rem;
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--white);
    padding-left: 0.5rem;
}

.footer-contact li {
    display: flex;
    gap: 0.75rem;
    margin-bottom: 1rem;
    font-size: 0.9375rem;
}

.footer-contact svg {
    width: 20px;
    height: 20px;
    color: var(--primary-green);
    flex-shrink: 0;
    margin-top: 2px;
}

.footer-disclosure {
    background: var(--gray-800);
    padding: 2rem;
    margin-top: 3rem;
    border-radius: var(--radius-lg);
}

.footer-disclosure h6 {
    color: var(--white);
    margin-bottom: 1rem;
}

.footer-disclosure p {
    font-size: 0.8125rem;
    line-height: 1.8;
    color: var(--gray-400);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 2rem 0;
    flex-wrap: wrap;
    gap: 1rem;
}

.footer-bottom p {
    font-size: 0.875rem;
    margin-bottom: 0;
}

.footer-bottom-links {
    display: flex;
    gap: 2rem;
}

.footer-bottom-links a {
    font-size: 0.875rem;
    color: var(--gray-400);
}

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

/* ===== SCROLL TO TOP ===== */
.scroll-top {
    position: fixed;
    bottom: 2rem;
    left: 2rem;
    width: 50px;
    height: 50px;
    background: var(--primary-green);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    z-index: 999;
}

.scroll-top.visible {
    opacity: 1;
    visibility: visible;
}

.scroll-top:hover {
    background: var(--primary-green-dark);
    transform: translateY(-3px);
}

.scroll-top svg {
    width: 24px;
    height: 24px;
}

/* ===== UTILITIES ===== */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.text-primary { color: var(--primary-green); }
.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.text-muted { color: var(--gray-500); }

.bg-primary { background-color: var(--primary-green); }
.bg-light { background-color: var(--light-green); }
.bg-white { background-color: var(--white); }
.bg-gray { background-color: var(--gray-50); }

.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mt-5 { margin-top: 3rem; }

.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mb-5 { margin-bottom: 3rem; }

.py-1 { padding-top: 0.5rem; padding-bottom: 0.5rem; }
.py-2 { padding-top: 1rem; padding-bottom: 1rem; }
.py-3 { padding-top: 1.5rem; padding-bottom: 1.5rem; }
.py-4 { padding-top: 2rem; padding-bottom: 2rem; }
.py-5 { padding-top: 3rem; padding-bottom: 3rem; }

.d-flex { display: flex; }
.flex-wrap { flex-wrap: wrap; }
.align-center { align-items: center; }
.justify-center { justify-content: center; }
.justify-between { justify-content: space-between; }
.gap-1 { gap: 0.5rem; }
.gap-2 { gap: 1rem; }
.gap-3 { gap: 1.5rem; }
.gap-4 { gap: 2rem; }

.hidden { display: none; }

/* ===== ANIMATIONS ===== */
@keyframes fadeIn {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

@keyframes slideIn {
    from { opacity: 0; transform: translateX(-20px); }
    to { opacity: 1; transform: translateX(0); }
}

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

.animate-fade {
    animation: fadeIn 0.6s ease forwards;
}

.animate-slide {
    animation: slideIn 0.6s ease forwards;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1200px) {
    .features-grid,
    .loan-grid,
    .steps-container {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .footer-main {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 992px) {
    .hero-content {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .hero-description,
    .hero-buttons,
    .hero-stats {
        justify-content: center;
    }
    
    .hero-visual {
        max-width: 500px;
        margin: 0 auto;
    }
    
    .hero-float-card {
        display: none;
    }
    
    .calculator-grid {
        grid-template-columns: 1fr;
    }
    
    .review-stats-container {
        grid-template-columns: 1fr;
    }
    
    .alternative-card {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .alternative-rank {
        margin: 0 auto;
    }
    
    .alternative-action {
        text-align: center;
    }
    
    .nav-menu {
        position: fixed;
        top: 0;
        left: -100%;
        width: 100%;
        height: 100vh;
        background: var(--white);
        flex-direction: column;
        justify-content: center;
        gap: 1rem;
        transition: var(--transition);
        z-index: 999;
    }
    
    .nav-menu.active {
        left: 0;
    }
    
    .menu-toggle {
        display: flex;
        z-index: 1000;
    }
    
    .nav-dropdown .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        max-height: 0;
        overflow: hidden;
        padding: 0;
    }
    
    .nav-dropdown.active .dropdown-menu {
        max-height: 500px;
        padding: 0.5rem;
    }
}

@media (max-width: 768px) {
    section {
        padding: 3rem 0;
    }
    
    .features-grid,
    .loan-grid,
    .steps-container,
    .benefits-grid,
    .testimonials-grid,
    .blog-grid {
        grid-template-columns: 1fr;
    }
    
    .reviews-grid {
        grid-template-columns: 1fr;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .footer-main {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .footer-brand {
        max-width: 100%;
    }
    
    .footer-social {
        justify-content: center;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
    
    .steps-container::before {
        display: none;
    }
    
    .hero-stats {
        flex-direction: column;
        gap: 1.5rem;
    }
    
    .cta-buttons {
        flex-direction: column;
        align-items: center;
    }
    
    .comparison-table {
        font-size: 0.875rem;
    }
    
    .comparison-table th,
    .comparison-table td {
        padding: 0.75rem 1rem;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 1rem;
    }
    
    .hero {
        min-height: auto;
        padding: 6rem 0 3rem;
    }
    
    .btn {
        padding: 0.75rem 1.5rem;
    }
    
    .btn-lg {
        padding: 0.875rem 2rem;
    }
    
    .form-container {
        padding: 1.5rem;
    }
    
    .calculator-container {
        padding: 1.5rem;
    }
    
    .calculator-inputs,
    .calculator-results {
        padding: 1.5rem;
    }
}

/* ===== PRINT STYLES ===== */
@media print {
    .header,
    .footer,
    .scroll-top,
    .cta-section,
    .social-share {
        display: none;
    }
    
    body {
        font-size: 12pt;
        line-height: 1.5;
    }
    
    a {
        text-decoration: underline;
    }
}

/* ===== HOW IT WORKS PROCESS STEPS ===== */
.process-section {
    padding: 4rem 0;
}

.process-timeline {
    max-width: 1000px;
    margin: 0 auto;
}

.process-step {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
    margin-bottom: 4rem;
    position: relative;
}

.process-step.reverse {
    direction: rtl;
}

.process-step.reverse > * {
    direction: ltr;
}

.process-step .step-number {
    position: absolute;
    top: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 60px;
    height: 60px;
    background: white;
    border: 3px solid var(--primary-green);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-green);
    z-index: 10;
}

.process-step .step-content {
    background: white;
    padding: 2rem;
    border-radius: 16px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.process-step .step-icon {
    width: 60px;
    height: 60px;
    background: var(--light-green);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
    color: var(--primary-green);
}

.process-step .step-content h2 {
    color: var(--primary-green);
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
}

.process-step .step-duration {
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 1rem;
}

.process-step .step-details p {
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 1rem;
}

.process-step .step-details ul {
    list-style: none;
    padding: 0;
    margin-bottom: 1rem;
}

.process-step .step-details ul li {
    padding-left: 1.5rem;
    position: relative;
    margin-bottom: 0.5rem;
    color: var(--text-muted);
}

.process-step .step-details ul li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--primary-green);
    font-weight: bold;
}

.process-step .step-highlight {
    background: var(--light-green);
    padding: 1rem;
    border-radius: 8px;
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
}

.process-step .step-highlight svg {
    flex-shrink: 0;
    color: var(--primary-green);
}

.process-step .step-highlight span {
    font-size: 0.9rem;
    color: var(--text-dark);
}

.process-step .step-image {
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
}

.process-step .step-image img {
    width: 100%;
    height: auto;
    display: block;
}

/* Requirements Section */
.requirements-section {
    background: var(--light-green);
    padding: 4rem 0;
}

.requirements-section .section-header {
    text-align: center;
    margin-bottom: 3rem;
}

.requirements-section .section-header h2 {
    color: var(--primary-green);
    font-size: 2rem;
    margin-bottom: 0.5rem;
}

.requirements-section .section-header p {
    color: var(--text-muted);
}

.requirements-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
}

.requirement-card {
    background: white;
    padding: 1.5rem;
    border-radius: 12px;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}

.requirement-card .requirement-icon {
    width: 50px;
    height: 50px;
    background: var(--light-green);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem;
    color: var(--primary-green);
}

.requirement-card h3 {
    color: var(--primary-green);
    font-size: 1.1rem;
    margin-bottom: 1rem;
}

.requirement-card ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.requirement-card ul li {
    color: var(--text-muted);
    font-size: 0.9rem;
    padding: 0.25rem 0;
}

/* Benefits Section for How It Works */
.benefits-section .section-title {
    text-align: center;
    color: var(--primary-green);
    font-size: 2rem;
    margin-bottom: 3rem;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.benefit-card {
    text-align: center;
    padding: 1.5rem;
}

.benefit-card .benefit-icon {
    width: 70px;
    height: 70px;
    background: var(--gold);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
}

.benefit-card h3 {
    color: var(--primary-green);
    font-size: 1.2rem;
    margin-bottom: 0.75rem;
}

.benefit-card p {
    color: var(--text-muted);
    font-size: 0.95rem;
    line-height: 1.6;
}

/* Timeline Section */
.timeline-section {
    padding: 4rem 0;
}

.timeline-section .section-title {
    text-align: center;
    color: var(--primary-green);
    font-size: 2rem;
    margin-bottom: 0.5rem;
}

.timeline-section .section-subtitle {
    text-align: center;
    color: var(--text-muted);
    margin-bottom: 3rem;
}

.timeline {
    max-width: 600px;
    margin: 0 auto;
    position: relative;
    padding-left: 30px;
}

.timeline::before {
    content: '';
    position: absolute;
    left: 8px;
    top: 0;
    bottom: 0;
    width: 3px;
    background: var(--primary-green);
}

.timeline-item {
    position: relative;
    padding-bottom: 2rem;
    padding-left: 30px;
}

.timeline-item:last-child {
    padding-bottom: 0;
}

.timeline-marker {
    position: absolute;
    left: -22px;
    top: 5px;
    width: 16px;
    height: 16px;
    background: var(--primary-green);
    border-radius: 50%;
    border: 3px solid white;
    box-shadow: 0 0 0 3px var(--primary-green);
}

.timeline-content h3 {
    color: var(--primary-green);
    font-size: 1.2rem;
    margin-bottom: 0.5rem;
}

.timeline-content p {
    color: var(--text-muted);
    line-height: 1.6;
}

/* CTA Section */
.cta-section {
    background: var(--primary-green);
    padding: 4rem 0;
    text-align: center;
}

.cta-section .cta-content h2 {
    color: white;
    font-size: 2.25rem;
    margin-bottom: 1rem;
}

.cta-section .cta-content p {
    color: rgba(255,255,255,0.9);
    font-size: 1.1rem;
    margin-bottom: 2rem;
}

.cta-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 1.5rem;
}

.cta-note {
    color: rgba(255,255,255,0.7);
    font-size: 0.9rem;
}

@media (max-width: 992px) {
    .requirements-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .process-step {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    
    .process-step.reverse {
        direction: ltr;
    }
    
    .process-step .step-number {
        position: relative;
        left: auto;
        transform: none;
        margin: 0 auto 1rem;
    }
    
    .process-step .step-image {
        order: -1;
    }
    
    .requirements-grid {
        grid-template-columns: 1fr;
    }
    
    .benefits-grid {
        grid-template-columns: 1fr;
    }
}