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

:root {
    --primary: #667eea;
    --secondary: #764ba2;
    --accent: #f093fb;
    --dark: #1a1a2e;
    --light: #f8f9fa;
    --text: #333;
    --text-light: #666;
    --border: #e0e0e0;
    --success: #10b981;
    --error: #ef4444;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Poppins', sans-serif;
    color: var(--text);
    background: var(--light);
    line-height: 1.6;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* PRELOADER */
#preloader {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: white;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    animation: fadeOut 1.5s ease-in-out forwards;
    animation-delay: 2s;
}

@keyframes fadeOut {
    to {
        opacity: 0;
        visibility: hidden;
    }
}

.spinner {
    display: flex;
    gap: 10px;
}

.spinner div {
    width: 15px;
    height: 15px;
    background: var(--primary);
    border-radius: 50%;
    animation: bounce 1.4s infinite ease-in-out;
}

.spinner .dot1 {
    animation-delay: -0.32s;
}

.spinner .dot2 {
    animation-delay: -0.16s;
}

@keyframes bounce {
    0%, 80%, 100% {
        transform: scale(0);
        opacity: 0.5;
    }
    40% {
        transform: scale(1);
        opacity: 1;
    }
}

/* FLOATING DOTS BACKGROUND */
.floating-dots-bg {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    pointer-events: none;
    z-index: 0;
    overflow: hidden;
}

.floating-dots-bg .dot {
    position: absolute;
    width: 8px;
    height: 8px;
    background: rgba(102, 126, 234, 0.1);
    border-radius: 50%;
    animation: float 15s infinite ease-in-out;
}

.floating-dots-bg .dot:nth-child(1) {
    top: 10%;
    left: 10%;
    animation-delay: 0s;
}

.floating-dots-bg .dot:nth-child(2) {
    top: 20%;
    left: 80%;
    animation-delay: 2s;
}

.floating-dots-bg .dot:nth-child(3) {
    top: 50%;
    left: 50%;
    animation-delay: 4s;
}

.floating-dots-bg .dot:nth-child(4) {
    top: 70%;
    left: 20%;
    animation-delay: 6s;
}

.floating-dots-bg .dot:nth-child(5) {
    top: 80%;
    left: 90%;
    animation-delay: 8s;
}

@keyframes float {
    0%, 100% {
        transform: translateY(0) translateX(0);
        opacity: 0.3;
    }
    50% {
        transform: translateY(-50px) translateX(20px);
        opacity: 0.7;
    }
}

/* NAVBAR */
.navbar {
    background: white;
    box-shadow: 0 2px 20px rgba(0,0,0,0.1);
    position: fixed;
    top: 0;
    width: 100%;
    z-index: 1000;
    padding: 1rem 0;
}

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

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

.nav-logo .logo-img {
    height: 50px;
    width: auto;
}

.nav-logo span {
    font-size: 24px;
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    font-weight: 800;
}

.nav-links {
    display: flex;
    list-style: none;
    align-items: center;
    gap: 2rem;
}

.nav-links a {
    text-decoration: none;
    color: var(--text);
    font-weight: 500;
    transition: all 0.3s ease;
    position: relative;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--primary);
    transition: width 0.3s ease;
}

.nav-links a:hover::after {
    width: 100%;
}

.btn-login {
    padding: 8px 20px;
    border: 2px solid var(--primary);
    border-radius: 25px;
    color: var(--primary);
    transition: all 0.3s ease;
}

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

.btn-apply {
    padding: 8px 20px;
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    color: white;
    border-radius: 25px;
    transition: all 0.3s ease;
}

.btn-apply:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(102, 126, 234, 0.4);
}

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 6px;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background: var(--text);
    margin: 5px 0;
    transition: 0.3s;
    border-radius: 2px;
}

/* HERO SECTION */
.hero {
    margin-top: 80px;
    height: 600px;
    position: relative;
    overflow: hidden;
}

.carousel {
    position: relative;
    width: 100%;
    height: 100%;
}

.carousel-slide {
    position: absolute;
    width: 100%;
    height: 100%;
    opacity: 0;
    transition: opacity 1s ease-in-out;
    display: flex;
    align-items: center;
    justify-content: center;
    background-size: cover !important;
    background-position: center !important;
}

.carousel-slide.active {
    opacity: 1;
}

.slide-content {
    text-align: center;
    color: white;
    z-index: 2;
}

.slide-content h1 {
    font-size: 3.5rem;
    margin-bottom: 1rem;
    font-weight: 800;
    text-shadow: 2px 2px 8px rgba(0,0,0,0.3);
}

.slide-content p {
    font-size: 1.3rem;
    margin-bottom: 2rem;
    text-shadow: 1px 1px 4px rgba(0,0,0,0.3);
}

.carousel-indicators {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 15px;
    z-index: 3;
}

.indicator {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: rgba(255,255,255,0.5);
    cursor: pointer;
    transition: all 0.3s ease;
}

.indicator.active {
    background: white;
    width: 30px;
    border-radius: 6px;
}

/* BUTTONS */
.btn-primary {
    display: inline-block;
    padding: 12px 30px;
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    color: white;
    text-decoration: none;
    border-radius: 30px;
    transition: all 0.3s ease;
    font-weight: 600;
    border: none;
    cursor: pointer;
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 30px rgba(102, 126, 234, 0.4);
}

.btn-secondary {
    display: inline-block;
    padding: 10px 25px;
    background: white;
    color: var(--primary);
    text-decoration: none;
    border: 2px solid var(--primary);
    border-radius: 25px;
    transition: all 0.3s ease;
    font-weight: 600;
    cursor: pointer;
}

.btn-secondary:hover {
    background: var(--primary);
    color: white;
    transform: translateY(-2px);
}

.btn-link {
    display: inline-block;
    color: var(--primary);
    text-decoration: none;
    font-weight: 600;
    margin-top: 1rem;
    transition: all 0.3s ease;
}

.btn-link:hover {
    color: var(--secondary);
}

/* SECTION HEADER */
.section-header {
    text-align: center;
    margin-bottom: 4rem;
}

.section-header h2 {
    font-size: 2.5rem;
    margin-bottom: 0.5rem;
    color: var(--dark);
}

.section-header p {
    font-size: 1.1rem;
    color: var(--text-light);
}

/* ABOUT SECTION */
.about {
    padding: 100px 0;
    background: white;
}

.about-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    margin-bottom: 80px;
}

.about-image {
    position: relative;
}

.about-img {
    width: 100%;
    height: auto;
    border-radius: 15px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.15);
}

.stats-overlay {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 20px;
    position: absolute;
    bottom: -40px;
    left: 50%;
    transform: translateX(-50%);
    width: 90%;
    background: white;
    padding: 30px;
    border-radius: 15px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.1);
}

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

.stat-badge h4 {
    font-size: 2rem;
    color: var(--primary);
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.stat-badge p {
    font-size: 0.9rem;
    color: var(--text-light);
}

.about-text h3 {
    font-size: 2rem;
    margin-bottom: 1.5rem;
    color: var(--dark);
}

.about-text p {
    font-size: 1.05rem;
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 2rem;
}

.features-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-top: 2rem;
}

.feature-card {
    padding: 25px;
    background: var(--light);
    border-radius: 10px;
    transition: all 0.3s ease;
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 30px rgba(102, 126, 234, 0.1);
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.05), rgba(118, 79, 162, 0.05));
}

.feature-card i {
    font-size: 2rem;
    color: var(--primary);
    margin-bottom: 1rem;
}

.feature-card h4 {
    font-size: 1.2rem;
    margin-bottom: 0.5rem;
    color: var(--dark);
}

.feature-card p {
    font-size: 0.95rem;
    color: var(--text-light);
}

/* LOAN TYPES SECTION */
.loan-types {
    padding: 100px 0;
    background: var(--light);
}

.loans-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 30px;
}

.loan-card {
    background: white;
    padding: 35px;
    border-radius: 15px;
    text-align: center;
    transition: all 0.3s ease;
    box-shadow: 0 5px 20px rgba(0,0,0,0.08);
    position: relative;
}

.loan-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 50px rgba(102, 126, 234, 0.15);
}

.loan-card.featured {
    border: 3px solid var(--primary);
}

.featured-badge {
    position: absolute;
    top: -15px;
    left: 50%;
    transform: translateX(-50%);
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    color: white;
    padding: 5px 20px;
    border-radius: 20px;
    font-size: 0.85rem;
    font-weight: 700;
}

.loan-card i {
    font-size: 3rem;
    color: var(--primary);
    margin-bottom: 1rem;
}

.loan-card h3 {
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
    color: var(--dark);
}

.loan-range {
    color: var(--text-light);
    font-size: 0.95rem;
    margin-bottom: 1.5rem;
}

.loan-features {
    list-style: none;
    margin: 1.5rem 0;
    text-align: left;
}

.loan-features li {
    padding: 8px 0;
    color: var(--text-light);
    font-size: 0.95rem;
}

.loan-features i {
    color: var(--success);
    margin-right: 8px;
    font-size: 1rem;
}

.interest-rate {
    font-weight: 600;
    color: var(--primary);
    margin: 1.5rem 0;
}

/* HOW IT WORKS */
.how-it-works {
    padding: 100px 0;
    background: white;
}

.steps-container {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 40px;
    margin-top: 3rem;
}

.step {
    text-align: center;
    position: relative;
}

.step-number {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    font-weight: 700;
    margin: 0 auto 1rem;
    box-shadow: 0 5px 20px rgba(102, 126, 234, 0.3);
}

.step h3 {
    font-size: 1.3rem;
    margin-bottom: 0.5rem;
    color: var(--dark);
}

.step p {
    color: var(--text-light);
    font-size: 0.95rem;
}

.step i {
    font-size: 1.5rem;
    color: var(--primary);
    margin-top: 1.5rem;
}

/* TESTIMONIALS */
.testimonials {
    padding: 100px 0;
    background: var(--light);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.testimonial-card {
    background: white;
    padding: 30px;
    border-radius: 12px;
    box-shadow: 0 5px 20px rgba(0,0,0,0.08);
    transition: all 0.3s ease;
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 40px rgba(102, 126, 234, 0.12);
}

.stars {
    display: flex;
    gap: 5px;
    margin-bottom: 1rem;
}

.stars i {
    color: #ffc107;
    font-size: 0.9rem;
}

.testimonial-text {
    color: var(--text-light);
    font-size: 0.95rem;
    margin-bottom: 1rem;
    line-height: 1.7;
    font-style: italic;
}

.testimonial-author {
    font-weight: 600;
    color: var(--primary);
    font-size: 0.9rem;
}

/* FAQ */
.faq {
    padding: 100px 0;
    background: white;
}

.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    margin-bottom: 1.5rem;
    border: 1px solid var(--border);
    border-radius: 10px;
    overflow: hidden;
    transition: all 0.3s ease;
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.faq-question {
    padding: 20px;
    background: var(--light);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-weight: 600;
    color: var(--dark);
    border: none;
    width: 100%;
    transition: all 0.3s ease;
}

.faq-question:hover {
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.05), rgba(118, 79, 162, 0.05));
    color: var(--primary);
}

.faq-question i {
    transition: transform 0.3s ease;
    color: var(--primary);
}

.faq-answer {
    padding: 0 20px;
    max-height: 0;
    overflow: hidden;
    transition: all 0.3s ease;
    color: var(--text-light);
}

.faq-item.active .faq-answer {
    padding: 20px;
    max-height: 300px;
}

/* BLOG SECTION */
.blog {
    padding: 100px 0;
    background: var(--light);
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-bottom: 3rem;
}

.blog-card {
    background: white;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 5px 20px rgba(0,0,0,0.08);
    transition: all 0.3s ease;
}

.blog-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 50px rgba(102, 126, 234, 0.15);
}

.blog-image {
    width: 100%;
    height: 250px;
    overflow: hidden;
    position: relative;
}

.blog-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.3s ease;
}

.blog-card:hover .blog-image img {
    transform: scale(1.1);
}

.blog-content {
    padding: 25px;
}

.blog-date {
    display: inline-block;
    font-size: 0.85rem;
    color: var(--primary);
    font-weight: 600;
    margin-bottom: 0.5rem;
}

.blog-card h3 {
    font-size: 1.3rem;
    margin-bottom: 1rem;
    color: var(--dark);
    line-height: 1.5;
}

.blog-card p {
    color: var(--text-light);
    font-size: 0.95rem;
    margin-bottom: 1.5rem;
}

.read-more {
    color: var(--primary);
    text-decoration: none;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: all 0.3s ease;
}

.read-more:hover {
    color: var(--secondary);
    gap: 12px;
}

.blog-footer {
    text-align: center;
}

/* PARTNERS SECTION - NEW */
.partners {
    padding: 100px 0;
    background: white;
}

.partners-carousel {
    position: relative;
    overflow: hidden;
    padding: 40px 0;
}

.partners-track {
    display: flex;
    animation: slide 30s linear infinite;
    gap: 60px;
}

@keyframes slide {
    0% {
        transform: translateX(0);
    }
    100% {
        transform: translateX(-50%);
    }
}

.partners-track:hover {
    animation-play-state: paused;
}

.partner-item {
    min-width: 200px;
    height: 100px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--light);
    border-radius: 10px;
    padding: 20px;
    transition: all 0.3s ease;
}

.partner-item:hover {
    background: linear-gradient(135deg, rgba(102, 126, 234, 0.1), rgba(118, 79, 162, 0.1));
    transform: scale(1.05);
}

.partner-item img {
    max-width: 100%;
    max-height: 80px;
    object-fit: contain;
}

/* CONTACT SECTION */
.contact {
    padding: 100px 0;
    position: relative;
    background-size: cover !important;
    background-position: center !important;
}

.contact-dots-animation {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    pointer-events: none;
    overflow: hidden;
}

.contact-dots-animation::before,
.contact-dots-animation::after {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    border: 2px dotted rgba(255,255,255,0.2);
    border-radius: 50%;
    animation: pulse 4s infinite;
}

.contact-dots-animation::before {
    top: -150px;
    left: -150px;
    animation-delay: 0s;
}

.contact-dots-animation::after {
    bottom: -150px;
    right: -150px;
    animation-delay: 2s;
}

@keyframes pulse {
    0%, 100% {
        transform: scale(1);
        opacity: 0.3;
    }
    50% {
        transform: scale(1.2);
        opacity: 0.1;
    }
}

.contact-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    position: relative;
    z-index: 2;
}

.contact-info {
    display: grid;
    gap: 30px;
}

.info-item {
    display: flex;
    gap: 20px;
    color: white;
}

.info-item i {
    font-size: 1.8rem;
    color: rgba(255,255,255,0.8);
    min-width: 40px;
}

.info-item h4 {
    font-size: 1.1rem;
    margin-bottom: 0.3rem;
}

.contact-form {
    background: rgba(255,255,255,0.95);
    padding: 40px;
    border-radius: 15px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.2);
}

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

.form-group input,
.form-group textarea {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid var(--border);
    border-radius: 8px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.95rem;
    transition: all 0.3s ease;
}

.form-group input:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(102, 126, 234, 0.1);
}

/* FOOTER */
.footer {
    background: var(--dark);
    color: white;
    padding: 60px 0 20px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 3rem;
}

.footer-section h4 {
    margin-bottom: 1.5rem;
    font-size: 1.2rem;
}

.footer-section p {
    color: rgba(255,255,255,0.7);
    line-height: 1.8;
    margin-bottom: 1.5rem;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 0.8rem;
}

.footer-section ul li a {
    color: rgba(255,255,255,0.7);
    text-decoration: none;
    transition: all 0.3s ease;
}

.footer-section ul li a:hover {
    color: var(--primary);
    padding-left: 5px;
}

.social-links {
    display: flex;
    gap: 15px;
}

.social-links a {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    color: white;
    transition: all 0.3s ease;
}

.social-links a:hover {
    background: var(--primary);
    transform: translateY(-3px);
}

.footer-bottom {
    text-align: center;
    padding-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.1);
    color: rgba(255,255,255,0.6);
}

/* ANIMATIONS */
.fade-in {
    animation: fadeInUp 0.8s ease;
}

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

/* RESPONSIVE */
@media (max-width: 768px) {
    .navbar {
        padding: 1rem 0;
        position: sticky;
        top: 0;
        z-index: 1000;
    }

    .nav-content {
        padding: 0 15px;
        display: flex;
        align-items: center;
        justify-content: space-between;
    }

    .nav-logo {
        display: flex;
        align-items: center;
        gap: 8px;
        z-index: 1001;
    }

    .nav-logo span {
        font-size: 18px;
        font-weight: 700;
    }

    .nav-logo .logo-img {
        height: 40px;
        width: auto;
    }

    .nav-links {
        position: fixed;
        top: 70px;
        left: 0;
        right: 0;
        width: 100%;
        background: white;
        flex-direction: column;
        gap: 0;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.4s ease;
        box-shadow: 0 8px 25px rgba(0,0,0,0.15);
        z-index: 999;
    }

    .nav-links.active {
        max-height: 100vh;
        padding: 0;
    }

    .nav-links li {
        width: 100%;
        border-bottom: 1px solid #f0f0f0;
    }

    .nav-links li:last-child {
        border-bottom: none;
    }

    .nav-links a {
        display: block;
        padding: 16px 20px;
        color: var(--text);
        font-size: 15px;
        width: 100%;
    }

    .nav-links a::after {
        display: none;
    }

    .nav-links .btn-login,
    .nav-links .btn-apply {
        margin: 10px 20px;
        width: calc(100% - 40px);
        text-align: center;
    }

    .hamburger {
        display: flex;
        flex-direction: column;
        cursor: pointer;
        gap: 5px;
        z-index: 1001;
        background: none;
        border: none;
        padding: 5px;
    }

    .hamburger span {
        width: 28px;
        height: 3px;
        background: var(--text);
        transition: all 0.4s cubic-bezier(0.68, -0.55, 0.265, 1.55);
        border-radius: 2px;
        display: block;
    }

    .hamburger.active span:nth-child(1) {
        transform: rotate(45deg) translate(8px, 8px);
    }

    .hamburger.active span:nth-child(2) {
        opacity: 0;
        transform: translateX(-10px);
    }

    .hamburger.active span:nth-child(3) {
        transform: rotate(-45deg) translate(7px, -7px);
    }

    .slide-content h1 {
        font-size: 2rem;
    }

    .slide-content p {
        font-size: 1rem;
    }

    .about-content {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .stats-overlay {
        position: static;
        transform: none;
        width: 100%;
        bottom: auto;
        margin-top: 2rem;
    }

    .features-grid {
        grid-template-columns: 1fr;
    }

    .contact-content {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .section-header h2 {
        font-size: 2rem;
    }

    .loans-grid {
        grid-template-columns: 1fr;
    }

    .steps-container {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .step i {
        display: none;
    }

    .partner-item {
        min-width: 150px;
        height: 80px;
    }

    .partners-track {
        gap: 30px;
    }
}