/* ── Reset ── */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }

body {
  font-family: 'Nunito', Arial, sans-serif;
  background: #f4f7fc;
  color: #111;
  overflow-x: hidden;
}

/* ── Header ── */
.header {
  background: #fff;
  padding: 18px 22px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.07);
  position: sticky;
  top: 0;
  z-index: 100;
}

.logo {
  font-size: 2rem;
  font-weight: 900;
  color: #0b2a5b;
  letter-spacing: -0.5px;
}
.logo span { color: #25D366; }

/* ── Hero ── */
.hero {
  min-height: 100vh;
  background-image:
    linear-gradient(to bottom,
      rgba(7,27,58,0.72) 0%,
      rgba(7,27,58,0.72) 12%,
      rgba(7,27,58,0.0) 22%,
      rgba(7,27,58,0.0) 72%,
      rgba(7,27,58,0.72) 86%,
      rgba(7,27,58,0.78) 100%),
    url('assets/hero-image.png');
  background-size: cover;
  background-position: center center;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  padding: 28px 24px 50px;
}

/* Tag pinned to TOP */
.hero-top { display: flex; align-items: flex-start; }

.hero-tag {
  background: rgba(11,42,91,0.82);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  display: block;
  width: 100%;
  text-align: center;
  padding: 11px 20px;
  border-radius: 50px;
  font-size: 1.1rem;
  font-weight: 800;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.25);
  letter-spacing: 0.2px;
  text-shadow: 0 1px 4px rgba(0,0,0,0.4);
}

/* CTA pinned to BOTTOM */
.hero-bottom { display: flex; width: 100%; }

.hero-cta {
  display: block;
  width: 100%;
  text-align: center;
  background: #25D366;
  color: #fff;
  text-decoration: none;
  padding: 18px 38px;
  border-radius: 50px;
  font-weight: 900;
  font-size: 1.15rem;
  box-shadow: 0 8px 28px rgba(37,211,102,0.45);
  letter-spacing: 0.2px;
}

/* ── Section base ── */
.section { padding: 56px 22px; }

/* ── Intro text (SEO content) ── */
.intro-section { padding: 36px 22px 8px; }
.intro-text {
  font-size: 1.05rem;
  color: #333;
  line-height: 1.7;
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}

.section-label {
  font-size: 0.85rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: #25D366;
  margin-bottom: 10px;
}
.section-label.light { color: #a8d5b5; }

.section h2 {
  font-size: 2.1rem;
  font-weight: 900;
  color: #0b2a5b;
  line-height: 1.2;
  margin-bottom: 30px;
  letter-spacing: -0.5px;
}
.section h2.light { color: #a8d5b5; }

/* ── Dark section ── */
.dark { background: #071b3a; }

/* ── Photo Cards — Why Choose Us ── */
.photo-card {
  background: #fff;
  border-radius: 22px;
  overflow: hidden;
  margin-bottom: 22px;
  box-shadow: 0 8px 30px rgba(0,0,0,0.10);
}

.photo-card img {
  width: 100%;
  height: 210px;
  object-fit: cover;
  display: block;
}

.photo-card-body { padding: 22px; }

.photo-card-top {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 12px;
}

.photo-card-icon { font-size: 2.4rem; line-height: 1; flex-shrink: 0; }

.photo-card-body h3 {
  font-size: 1.4rem;
  font-weight: 900;
  color: #0b2a5b;
  line-height: 1.2;
}

.photo-card-body p {
  font-size: 1.05rem;
  color: #444;
  line-height: 1.6;
}

/* ── Expense Grid ── */
.expense-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.expense-tile {
  background: var(--tile-color);
  border-radius: 20px;
  padding: 28px 14px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  box-shadow: 0 6px 20px rgba(0,0,0,0.2);
}

.expense-emoji { font-size: 2.8rem; line-height: 1; }

.expense-label {
  color: #fff;
  font-size: 1.05rem;
  font-weight: 800;
  text-align: center;
  line-height: 1.3;
}

/* ── Loan Features — magazine photo cards ── */
.feature-photo-card {
  position: relative;
  border-radius: 24px;
  overflow: hidden;
  margin-bottom: 22px;
  box-shadow: 0 10px 35px rgba(0,0,0,0.15);
  height: 280px;
}

.feature-photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Dark gradient over photo so white text is always readable */
.feature-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(7,27,58,0.15) 0%,
    rgba(7,27,58,0.55) 45%,
    rgba(7,27,58,0.92) 100%
  );
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 24px 22px;
}

.feature-stat {
  font-size: 1.5rem;
  font-weight: 900;
  color: #25D366;
  margin-bottom: 6px;
  letter-spacing: -0.3px;
  text-shadow: 0 2px 8px rgba(0,0,0,0.4);
}

.feature-overlay h3 {
  font-size: 1.35rem;
  font-weight: 900;
  color: #fff;
  margin-bottom: 6px;
  text-shadow: 0 2px 8px rgba(0,0,0,0.4);
}

.feature-overlay p {
  font-size: 0.98rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.5;
  text-shadow: 0 1px 4px rgba(0,0,0,0.4);
}

/* ── Contact Form ── */
.form-card {
  background: #fff;
  border-radius: 26px;
  padding: 28px 24px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.15);
}

.form-intro {
  font-size: 1rem;
  color: #555;
  margin-bottom: 24px;
  line-height: 1.6;
}

form { display: flex; flex-direction: column; gap: 18px; }

.input-wrap { display: flex; flex-direction: column; gap: 7px; }

.input-wrap label {
  font-size: 0.9rem;
  font-weight: 800;
  color: #0b2a5b;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

input {
  padding: 16px 18px;
  border-radius: 14px;
  border: 1.5px solid #dde3f0;
  font-size: 1.05rem;
  font-family: inherit;
  background: #f8faff;
  color: #111;
  transition: border-color 0.2s, background 0.2s;
}

input:focus {
  outline: none;
  border-color: #0b2a5b;
  background: #fff;
}

button[type="submit"] {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: #25D366;
  color: #fff;
  border: none;
  border-radius: 14px;
  padding: 18px;
  font-size: 1.1rem;
  font-weight: 900;
  font-family: inherit;
  cursor: pointer;
  box-shadow: 0 8px 24px rgba(37,211,102,0.35);
  margin-top: 4px;
}

/* ── Error states ── */
.input-error { border-color: #e03030 !important; background: #fff5f5 !important; }

.error-msg {
  color: #e03030;
  font-size: 0.9rem;
  font-weight: 700;
  padding-left: 4px;
}

/* ── Thank You Banner ── */
.thankyou-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 9999;
  padding: 14px 16px 20px;
  transform: translateY(110%);
  transition: transform 0.45s cubic-bezier(0.34,1.56,0.64,1);
  pointer-events: none;
}

.thankyou-banner.show {
  transform: translateY(0);
  pointer-events: all;
}

.thankyou-banner-inner {
  display: flex;
  align-items: center;
  gap: 14px;
  background: #fff;
  border-radius: 20px;
  padding: 18px 18px;
  box-shadow: 0 -4px 40px rgba(0,0,0,0.18);
  border-left: 5px solid #25D366;
}

.thankyou-check { font-size: 2.2rem; flex-shrink: 0; }

.thankyou-banner-inner strong {
  display: block;
  font-size: 1.15rem;
  font-weight: 900;
  color: #0b2a5b;
  margin-bottom: 4px;
}

.thankyou-banner-inner p {
  font-size: 0.95rem;
  color: #555;
  line-height: 1.4;
}

.banner-close {
  margin-left: auto;
  background: none;
  border: none;
  font-size: 1.2rem;
  color: #aaa;
  cursor: pointer;
  flex-shrink: 0;
  padding: 4px 8px;
  font-family: inherit;
}

/* ── Footer ── */
.footer {
  background: #041227;
  color: rgba(255,255,255,0.75);
  padding: 40px 24px;
}

.footer-logo { font-size: 1.5rem; margin-bottom: 22px; }
.footer p { margin-bottom: 14px; font-size: 1rem; }
.footer .copy { margin-top: 22px; font-size: 0.82rem; opacity: 0.45; }

/* ── Responsive ── */
@media (max-width: 768px) {
  .feature-photo-card { height: 250px; }
  .hero-tag { font-size: 0.95rem; }
}