/* ===========================
   CSS Reset & Base Styles
   =========================== */

/* Metric-matched fallback for Inter */
@font-face {
    font-family: 'Inter Fallback';
    src: local('Arial');
    ascent-override: 90.2%;
    descent-override: 22.48%;
    line-gap-override: 0%;
    size-adjust: 107.4%;
}

/* Metric-matched fallback for Sora */
@font-face {
    font-family: 'Sora Fallback';
    src: local('Arial');
    ascent-override: 94.5%;
    descent-override: 24.0%;
    line-gap-override: 0%;
    size-adjust: 105.0%;
}

/* Inter - Self Hosted */
@font-face {
    font-family: 'Inter';
    src: url('fonts/Inter-Regular.woff2') format('woff2');
    font-weight: 400;
    font-style: normal;
    font-display: swap;
}
@font-face {
    font-family: 'Inter';
    src: url('fonts/Inter-Medium.woff2') format('woff2');
    font-weight: 500;
    font-style: normal;
    font-display: swap;
}
@font-face {
    font-family: 'Inter';
    src: url('fonts/Inter-SemiBold.woff2') format('woff2');
    font-weight: 600;
    font-style: normal;
    font-display: swap;
}
@font-face {
    font-family: 'Inter';
    src: url('fonts/Inter-Bold.woff2') format('woff2');
    font-weight: 700;
    font-style: normal;
    font-display: swap;
}
@font-face {
    font-family: 'Inter';
    src: url('fonts/Inter-ExtraBold.woff2') format('woff2');
    font-weight: 800;
    font-style: normal;
    font-display: swap;
}

/* Dancing Script - Self Hosted */
@font-face {
    font-family: 'Dancing Script';
    src: url('fonts/dancing-script.woff2') format('woff2');
    font-weight: 600;
    font-style: normal;
    font-display: swap;
}

/* Sora - Self Hosted */
@font-face {
    font-family: 'Sora';
    src: url('fonts/Sora-Regular.woff2') format('woff2');
    font-weight: 400;
    font-style: normal;
    font-display: swap;
}
@font-face {
    font-family: 'Sora';
    src: url('fonts/Sora-Medium.woff2') format('woff2');
    font-weight: 500;
    font-style: normal;
    font-display: swap;
}
@font-face {
    font-family: 'Sora';
    src: url('fonts/Sora-Bold.woff2') format('woff2');
    font-weight: 700;
    font-style: normal;
    font-display: swap;
}
@font-face {
    font-family: 'Sora';
    src: url('fonts/Sora-ExtraBold.woff2') format('woff2');
    font-weight: 800;
    font-style: normal;
    font-display: swap;
}

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

/* Performance optimizations */
html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    -webkit-overflow-scrolling: touch;
    text-rendering: optimizeSpeed;
    overflow-x: hidden;
}

/* CSS Containment for better rendering */
.hero, .how-it-works, .loan-types, .trust-security, 
.testimonials, .faq, .final-cta, .footer {
    contain: layout paint;
}

.hero-form, .iframe-loader {
    contain: layout paint;
}

/* GPU acceleration only for actively animating elements */
.hero-gradient-orb,
.loader-spinner-ring {
    will-change: transform;
    transform: translateZ(0);
    backface-visibility: hidden;
}

:root {
    /* Color Palette */
    --primary-pink: #ff0f5b;
    --primary-magenta: #d4145a;
    --soft-pink: #ffe5f0;
    --light-pink: #fff0f6;
    --light-grey: #f5f5f7;
    --white: #ffffff;
    --text-dark: #1a1a1a;
    --text-grey: #6b6b6b;
    --text-light: #9b9b9b;
    
    /* Gradients */
    --gradient-primary: linear-gradient(135deg, #ff0f5b 0%, #d4145a 100%);
    --gradient-glow: linear-gradient(135deg, rgba(255, 15, 91, 0.1) 0%, rgba(212, 20, 90, 0.1) 100%);
    
    /* Shadows */
    --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.04);
    --shadow-md: 0 4px 16px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 8px 32px rgba(0, 0, 0, 0.08);
    --shadow-pink: 0 8px 32px rgba(255, 15, 91, 0.15);
    
    /* Border Radius */
    --radius-sm: 12px;
    --radius-md: 16px;
    --radius-lg: 20px;
    --radius-xl: 24px;
    
    /* Spacing */
    --spacing-xs: 8px;
    --spacing-sm: 16px;
    --spacing-md: 24px;
    --spacing-lg: 32px;
    --spacing-xl: 48px;
    --spacing-2xl: 64px;
    --spacing-3xl: 96px;
    
    /* Typography */
    --font-family: 'Inter', 'Inter Fallback', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --heading-font: 'Sora', 'Sora Fallback', 'Inter', sans-serif;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-family);
    background-color: var(--light-grey);
    color: var(--text-dark);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

h1, h2, h3,
.logo-text,
.hero-title,
.hero-title-line,
.hero-title-line-inline,
.hero-title-highlight,
.section-title,
.eligibility-tagline,
.eligibility-title,
.step-title,
.loan-title,
.security-title,
.final-cta-title,
.faq-question span,
.footer-heading,
.loader-logo-text {
    font-family: var(--heading-font);
}

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 var(--spacing-md);
}

/* ===========================
   Sub Header
   =========================== */

.sub-header {
    background: linear-gradient(135deg, #ff0f5b 0%, #d4145a 100%);
    padding: 5px 0;
    position: relative;
    overflow: hidden;
    box-shadow: 0 2px 10px rgba(255, 15, 91, 0.2);
}

.sub-header::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(90deg, transparent 0%, rgba(255, 255, 255, 0.08) 50%, transparent 100%);
    animation: shimmer 8s ease-in-out infinite;
}

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

.sub-header-content {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 40px;
    position: relative;
    z-index: 1;
}

.sub-header-item {
    display: flex;
    align-items: center;
    gap: 6px;
    color: var(--white);
    font-size: 12px;
    font-weight: 500;
    letter-spacing: 0.2px;
    transition: transform 0.2s ease;
}

.sub-header-item:hover {
    transform: translateY(-1px);
}

.sub-header-icon {
    width: 13px;
    height: 13px;
    flex-shrink: 0;
    opacity: 0.95;
}

.sub-header-text-mobile {
    display: none;
}

.sub-header-text-desktop {
    display: inline;
}

.sub-header-divider {
    width: 1px;
    height: 11px;
    background: rgba(255, 255, 255, 0.25);
}

/* ===========================
   Header
   =========================== */

.header {
    background: var(--white);
    box-shadow: none;
    position: sticky;
    top: 0;
    z-index: 100;
    padding: 20px 0;
    border-bottom: none;
    transition: all 0.3s ease;
}

.header.scrolled {
    padding: 16px 0;
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.04);
    border-bottom: 1px solid rgba(0, 0, 0, 0.06);
}

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

.logo {
    text-decoration: none;
    cursor: pointer;
    transition: opacity 0.3s ease;
}

.logo:hover {
    opacity: 0.85;
}

.logo-text {
    font-family: 'Sora', 'Sora Fallback', sans-serif;
    font-size: 26px;
    font-weight: 800;
    display: flex;
    align-items: center;
    letter-spacing: -0.8px;
}

.logo-low-credit {
    color: #0a0a0a;
}

.logo-finance {
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.nav {
    display: flex;
    gap: 2px;
    align-items: center;
}

.nav-link {
    color: #4a4a4a;
    text-decoration: none;
    font-weight: 500;
    font-size: 14.5px;
    transition: all 0.2s ease;
    position: relative;
    padding: 8px 12px;
    border-radius: 8px;
}

.nav-link:hover {
    color: var(--text-dark);
    background: #f8f8f8;
}

.header-cta-button {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: var(--gradient-primary);
    color: var(--white);
    border: none;
    padding: 10px 24px;
    border-radius: var(--radius-md);
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s ease;
    box-shadow: 0 2px 8px rgba(255, 15, 91, 0.2);
    font-family: var(--font-family);
    margin-left: 16px;
    letter-spacing: 0.1px;
}

.header-cta-button:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 16px rgba(255, 15, 91, 0.3);
}

.header-cta-button:active {
    transform: translateY(0);
}

/* Mobile Menu Toggle */
/* ===========================
   Hamburger Toggle Button
   =========================== */

.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 5px;
    width: 40px;
    height: 40px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0;
    z-index: 1001;
    position: relative;
    border-radius: 10px;
    transition: background 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Tactile background circle on click */
.mobile-menu-toggle::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 10px;
    background: rgba(255, 15, 91, 0.08);
    opacity: 0;
    transform: scale(0.7);
    transition: opacity 0.25s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

.mobile-menu-toggle.is-open::before,
.mobile-menu-toggle:active::before {
    opacity: 1;
    transform: scale(1);
}

.hamburger-line {
    width: 22px;
    height: 2.5px;
    background: #0a0a0a;
    border-radius: 2px;
    display: block;
    transform-origin: center;
    transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1),
                opacity 0.2s cubic-bezier(0.4, 0, 0.2, 1),
                background 0.25s ease;
}

/* Line 1 — rotates to 45° */
.mobile-menu-toggle.is-open .hamburger-line:nth-child(1) {
    transform: translateY(7.5px) rotate(45deg);
}

/* Line 2 — fades out */
.mobile-menu-toggle.is-open .hamburger-line:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}

/* Line 3 — rotates to -45° */
.mobile-menu-toggle.is-open .hamburger-line:nth-child(3) {
    transform: translateY(-7.5px) rotate(-45deg);
}

.mobile-menu-toggle:hover .hamburger-line {
    background: var(--primary-pink);
}

.mobile-menu-toggle.is-open .hamburger-line {
    background: var(--primary-pink);
}

/* ===========================
   Mobile Menu Overlay
   =========================== */

.mobile-menu-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100vh;
    background: rgba(0, 0, 0, 0.45);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    z-index: 1000;
    opacity: 0;
    visibility: hidden;
    /* Overlay fades in faster than the panel */
    transition: opacity 0.2s cubic-bezier(0.4, 0, 0.2, 1),
                visibility 0s linear 0.35s;
}

.mobile-menu-overlay.active {
    opacity: 1;
    visibility: visible;
    transition: opacity 0.2s cubic-bezier(0.4, 0, 0.2, 1),
                visibility 0s linear 0s;
}

.mobile-menu-overlay.closing {
    opacity: 0;
    visibility: visible;
    transition: opacity 0.2s cubic-bezier(0.4, 0, 0.2, 1),
                visibility 0s linear 0.2s;
}

/* ===========================
   Menu Panel
   =========================== */

.mobile-menu {
    position: absolute;
    top: 0;
    right: 0;
    width: 85%;
    max-width: 320px;
    height: 100vh;
    background: white;
    box-shadow: -8px 0 40px rgba(0, 0, 0, 0.15);
    transform: translateX(100%) scale(0.97);
    transform-origin: right center;
    /* Panel opens slightly after overlay */
    transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    overflow-y: auto;
    overflow-x: hidden;
}

.mobile-menu-overlay.active .mobile-menu {
    transform: translateX(0) scale(1);
}

/* Close is faster (0.25s vs 0.35s) */
.mobile-menu-overlay.closing .mobile-menu {
    transform: translateX(100%) scale(0.97);
    transition: transform 0.25s cubic-bezier(0.4, 0, 1, 1);
}

/* ===========================
   Menu Header
   =========================== */

.mobile-menu-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 20px;
    border-bottom: 1px solid rgba(0, 0, 0, 0.08);
}

.mobile-menu-header .logo-text {
    font-size: 22px;
}

.mobile-menu-close {
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(0, 0, 0, 0.05);
    border: none;
    border-radius: 10px;
    cursor: pointer;
    transition: background 0.2s ease, transform 0.2s ease;
}

.mobile-menu-close svg {
    width: 18px;
    height: 18px;
    color: #0a0a0a;
    transition: color 0.2s ease;
}

.mobile-menu-close:hover {
    background: rgba(255, 15, 91, 0.1);
    transform: rotate(90deg);
}

.mobile-menu-close:hover svg {
    color: var(--primary-pink);
}

/* ===========================
   Nav Links — Stagger cascade
   =========================== */

.mobile-menu-nav {
    display: flex;
    flex-direction: column;
    padding: 12px 0;
}

.mobile-menu-link {
    padding: 16px 24px;
    font-size: 16px;
    font-weight: 500;
    color: #0a0a0a;
    text-decoration: none;
    border-left: 3px solid transparent;
    /* Initial hidden state for stagger */
    opacity: 0;
    transform: translateX(16px);
    transition: opacity 0.3s cubic-bezier(0.4, 0, 0.2, 1),
                transform 0.3s cubic-bezier(0.4, 0, 0.2, 1),
                background 0.2s ease,
                border-color 0.2s ease,
                color 0.2s ease;
}

/* Stagger delays per item */
.mobile-menu-link:nth-child(1) { transition-delay: 0.08s, 0.08s, 0s, 0s, 0s; }
.mobile-menu-link:nth-child(2) { transition-delay: 0.13s, 0.13s, 0s, 0s, 0s; }
.mobile-menu-link:nth-child(3) { transition-delay: 0.18s, 0.18s, 0s, 0s, 0s; }
.mobile-menu-link:nth-child(4) { transition-delay: 0.23s, 0.23s, 0s, 0s, 0s; }

.mobile-menu-overlay.active .mobile-menu-link {
    opacity: 1;
    transform: translateX(0);
}

/* Reset on close — no stagger delay needed */
.mobile-menu-overlay.closing .mobile-menu-link,
.mobile-menu-overlay:not(.active):not(.closing) .mobile-menu-link {
    opacity: 0;
    transform: translateX(16px);
    transition-delay: 0s !important;
}

.mobile-menu-link:hover {
    background: rgba(255, 15, 91, 0.05);
    border-left-color: var(--primary-pink);
    color: var(--primary-pink);
}

/* CTA button stagger */
.mobile-menu-cta {
    margin: 20px 20px 24px;
    padding: 16px 24px;
    background: var(--gradient-primary);
    color: white;
    border: none;
    border-radius: 12px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1),
                opacity 0.3s cubic-bezier(0.4, 0, 0.2, 1),
                box-shadow 0.3s ease;
    box-shadow: 0 4px 12px rgba(255, 15, 91, 0.25);
    opacity: 0;
    transform: translateX(16px);
    transition-delay: 0.28s, 0.28s, 0s;
}

.mobile-menu-overlay.active .mobile-menu-cta {
    opacity: 1;
    transform: translateX(0);
}

.mobile-menu-overlay.closing .mobile-menu-cta,
.mobile-menu-overlay:not(.active):not(.closing) .mobile-menu-cta {
    opacity: 0;
    transform: translateX(16px);
    transition-delay: 0s !important;
}

.mobile-menu-cta:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(255, 15, 91, 0.35);
}

/* ===========================
   Hero Section
   =========================== */

.hero {
    padding: 36px 0 var(--spacing-2xl) 0;
    position: relative;
    overflow: hidden;
    background: linear-gradient(135deg, #fff5f8 0%, #ffe8f0 50%, #fff0f6 100%);
}

/* Hero Background Layer */
.hero-background {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 0;
    overflow: hidden;
}

.hero-bg-img {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    filter: brightness(0.85) contrast(1.2);
    z-index: 1;
}

.hero-background::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: 
        linear-gradient(to right, 
            rgba(255, 254, 255, 0.80) 0%,
            rgba(255, 252, 254, 0.65) 35%,
            rgba(255, 252, 254, 0.50) 65%,
            rgba(255, 254, 255, 0.75) 100%
        ),
        linear-gradient(to bottom,
            rgba(255, 255, 255, 0.75) 0%,
            rgba(255, 252, 254, 0.60) 50%,
            rgba(255, 254, 255, 0.78) 100%
        );
    z-index: 2;
}

.hero-pattern {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: 
        radial-gradient(circle at 20% 30%, rgba(255, 15, 91, 0.03) 0%, transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(212, 20, 90, 0.04) 0%, transparent 50%),
        radial-gradient(circle at 50% 50%, rgba(255, 15, 91, 0.02) 0%, transparent 50%);
    background-size: 100% 100%;
    z-index: 3;
}

.hero-gradient-orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: 0.3;
    z-index: 4;
}

.orb-1 {
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(255, 15, 91, 0.2) 0%, transparent 70%);
    top: -20%;
    right: -10%;
    animation: floatOrb 50s ease-in-out infinite;
    animation-delay: 0s;
}

.orb-2 {
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(212, 20, 90, 0.15) 0%, transparent 70%);
    bottom: -15%;
    left: -10%;
    animation: floatOrb 60s ease-in-out infinite reverse;
    animation-delay: -10s;
}

.orb-3 {
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(255, 15, 91, 0.12) 0%, transparent 70%);
    top: 40%;
    left: 30%;
    animation: floatOrb 70s ease-in-out infinite;
    animation-delay: -20s;
}

@keyframes floatOrb {
    0%, 100% {
        transform: translate(0, 0) scale(1);
    }
    33% {
        transform: translate(50px, -40px) scale(1.1);
    }
    66% {
        transform: translate(-30px, 50px) scale(0.95);
    }
}

/* Hero Decorations */
.hero-decorations {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    pointer-events: none;
    z-index: 0;
}

/* Decoration Icons */
.decoration-icon {
    position: absolute;
    width: 60px;
    height: 60px;
    color: var(--primary-pink);
    opacity: 0.12;
    animation: floatIcon 30s ease-in-out infinite;
}

.decoration-icon svg {
    width: 100%;
    height: 100%;
}

.icon-dollar {
    top: 15%;
    right: 12%;
    animation-delay: 0s;
}

.icon-shield {
    top: 60%;
    right: 8%;
    animation-delay: 2s;
    width: 70px;
    height: 70px;
}

.icon-chart {
    bottom: 25%;
    left: 8%;
    animation-delay: 4s;
    width: 55px;
    height: 55px;
}

.icon-home {
    top: 25%;
    left: 15%;
    animation-delay: 1s;
    width: 65px;
    height: 65px;
}

.icon-people {
    bottom: 35%;
    right: 20%;
    animation-delay: 3s;
    width: 75px;
    height: 75px;
}

.icon-card {
    top: 45%;
    left: 5%;
    animation-delay: 5s;
    width: 50px;
    height: 50px;
}

@keyframes floatIcon {
    0%, 100% {
        transform: translateY(0) rotate(0deg);
        opacity: 0.12;
    }
    50% {
        transform: translateY(-30px) rotate(10deg);
        opacity: 0.18;
    }
}

/* Decoration Shapes */
.decoration-shape {
    position: absolute;
    opacity: 0.08;
}

.shape-1 {
    width: 150px;
    height: 150px;
    border: 3px solid var(--primary-pink);
    border-radius: 30% 70% 70% 30% / 30% 30% 70% 70%;
    top: 10%;
    right: 25%;
    animation: morphShape 40s ease-in-out infinite;
    animation-delay: 0s;
}

.shape-2 {
    width: 100px;
    height: 100px;
    border: 2px solid var(--primary-magenta);
    border-radius: 50%;
    bottom: 15%;
    left: 20%;
    animation: morphShape 50s ease-in-out infinite reverse;
    animation-delay: -10s;
}

.shape-3 {
    width: 120px;
    height: 120px;
    border: 2px solid var(--primary-pink);
    border-radius: 20% 80% 80% 20% / 20% 20% 80% 80%;
    top: 50%;
    right: 5%;
    animation: morphShape 45s ease-in-out infinite;
    animation-delay: -20s;
}

.shape-4 {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, rgba(255, 15, 91, 0.1), rgba(212, 20, 90, 0.05));
    border-radius: 40% 60% 60% 40% / 40% 40% 60% 60%;
    bottom: 40%;
    left: 12%;
    animation: morphShape 55s ease-in-out infinite;
    animation-delay: -30s;
}

@keyframes morphShape {
    0%, 100% {
        transform: translate(0, 0) rotate(0deg) scale(1);
        border-radius: 30% 70% 70% 30% / 30% 30% 70% 70%;
    }
    25% {
        transform: translate(20px, -20px) rotate(90deg) scale(1.1);
        border-radius: 50% 50% 50% 50% / 50% 50% 50% 50%;
    }
    50% {
        transform: translate(-10px, 30px) rotate(180deg) scale(0.9);
        border-radius: 70% 30% 30% 70% / 70% 70% 30% 30%;
    }
    75% {
        transform: translate(30px, 10px) rotate(270deg) scale(1.05);
        border-radius: 40% 60% 40% 60% / 60% 40% 60% 40%;
    }
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-content {
    padding-left: 80px;
    padding-right: 16px;
    animation: slideInLeft 0.8s ease-out;
    position: relative;
}

@keyframes slideInLeft {
    from {
        opacity: 0;
        transform: translateX(-50px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

/* Hero Trust Badge */
.hero-trust-badge {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    background: rgba(255, 255, 255, 0.75);
    backdrop-filter: blur(6px);
    padding: 7px 16px 7px 12px;
    border-radius: 100px;
    border: 1px solid rgba(0, 0, 0, 0.07);
    margin-bottom: 24px;
    font-family: 'Sora', 'Sora Fallback', sans-serif;
    font-size: 14px;
    font-weight: 400;
    color: #5a5a5a;
    animation: fadeIn 0.6s ease-out 0.2s both;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.07);
    letter-spacing: 0.01em;
}

@keyframes fadeIn {
    from {
        opacity: 0;
    }
    to {
        opacity: 1;
    }
}

.trust-badge-icon {
    width: 16px;
    height: 16px;
    color: #f59e0b;
    flex-shrink: 0;
}

.hero-badge span {
    font-size: inherit;
    font-weight: inherit;
    color: var(--text-dark);
}

.trust-badge-number {
    font-family: "Dancing Script", cursive;
    font-size: 15.5px;
    font-weight: 600;
    color: var(--primary-pink);
}

.hero-title {
    font-size: 70px;
    font-weight: 800;
    line-height: 1.05;
    margin-bottom: 20px;
    position: relative;
    display: block;
    letter-spacing: -2px;
}

.hero-title-line {
    display: inline;
    color: var(--text-dark);
    font-size: 68px;
}

.hero-title-highlight {
    display: inline;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-size: 78px;
    letter-spacing: -3px;
    position: relative;
    animation: pulseGlow 6s ease-in-out infinite;
    padding: 0 2px;
}

.hero-title-line-inline {
    display: block;
    color: var(--text-dark);
    font-size: 68px;
    letter-spacing: -2.5px;
    margin-top: 2px;
}

@keyframes pulseGlow {
    0%, 100% {
        filter: drop-shadow(0 0 10px rgba(255, 15, 91, 0.2));
    }
    50% {
        filter: drop-shadow(0 0 18px rgba(255, 15, 91, 0.3));
    }
}

.hero-subtitle {
    font-size: 18px;
    color: #8a8a8a;
    margin-bottom: 24px;
    line-height: 1.55;
    font-weight: 400;
    max-width: 88%;
}

/* Hero Features */
.hero-features {
    display: flex;
    flex-direction: row;
    align-items: center;
    gap: 24px;
    margin-bottom: 32px;
}

.feature-item {
    display: flex;
    align-items: center;
    gap: 9px;
    animation: fadeInLeft 0.6s ease-out both;
}

.feature-item:nth-child(1) { animation-delay: 0.3s; }
.feature-item:nth-child(2) { animation-delay: 0.4s; }

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

.feature-icon-wrapper {
    width: 34px;
    height: 34px;
    min-width: 34px;
    background: rgba(255, 15, 91, 0.07);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    border: none;
    box-shadow: none;
    transition: all 0.3s ease;
}

.feature-item:hover .feature-icon-wrapper {
    background: rgba(255, 15, 91, 0.13);
    transform: scale(1.05);
}

.feature-icon {
    width: 16px;
    height: 16px;
    color: var(--primary-pink);
    transition: color 0.3s ease;
}

.feature-item:hover .feature-icon {
    color: var(--primary-pink);
}

.feature-text {
    font-family: 'Sora', 'Sora Fallback', sans-serif;
    font-size: 14px;
    font-weight: 400;
    color: #1e1e1e;
    line-height: 1.3;
    white-space: nowrap;
}

.feature-text-mobile {
    display: none;
}

.feature-text-desktop {
    display: inline;
}

/* CTA Buttons */

.cta-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-xs);
    background: var(--gradient-primary);
    color: var(--white);
    border: none;
    padding: 16px 32px;
    border-radius: var(--radius-md);
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    box-shadow: var(--shadow-pink);
    font-family: var(--font-family);
    position: relative;
    overflow: hidden;
}

.cta-button::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.3), transparent);
    transition: left 0.5s ease;
}

.cta-button:hover::before {
    left: 100%;
}

.cta-button:hover {
    transform: translateY(-3px);
    box-shadow: 0 16px 48px rgba(255, 15, 91, 0.35);
}

.cta-button-large {
    padding: 20px 48px;
    font-size: 18px;
    font-weight: 700;
    border-radius: var(--radius-lg);
}

/* Hero CTA Wrapper */
.hero-cta-wrapper {
    margin-bottom: var(--spacing-lg);
    animation: fadeInUp 0.6s ease-out 0.6s both;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.cta-button-hero {
    padding: 14px 32px;
    font-size: 16px;
    font-weight: 700;
    border-radius: 10px;
    box-shadow: 0 6px 20px rgba(255, 15, 91, 0.3);
}

.cta-button-hero:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 32px rgba(255, 15, 91, 0.4);
}

.cta-subtext {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 14px;
    font-size: 13px;
    color: var(--text-grey);
    font-weight: 500;
}

.check-icon {
    width: 18px;
    height: 18px;
    color: #10b981;
    flex-shrink: 0;
}

.cta-button-white {
    background: var(--white);
    color: var(--primary-pink);
    box-shadow: var(--shadow-lg);
}

.cta-button-white:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}

.button-arrow {
    width: 20px;
    height: 20px;
}

/* Trust Badges */

/* Hero Trust Bar */
.hero-trust-bar {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    padding: 14px 20px;
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(10px);
    border-radius: var(--radius-md);
    border: 1px solid rgba(255, 15, 91, 0.12);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.04);
    animation: fadeInUp 0.6s ease-out 0.7s both;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 600;
    color: var(--text-dark);
}

.trust-icon-small {
    width: 18px;
    height: 18px;
    color: var(--primary-pink);
    flex-shrink: 0;
}

.trust-divider {
    width: 1px;
    height: 20px;
    background: rgba(255, 15, 91, 0.2);
}

/* Hero Form Container */

.hero-form {
    position: relative;
    animation: slideInRight 0.8s ease-out;
    height: 700px;
}

@keyframes slideInRight {
    from {
        opacity: 0;
        transform: translateX(50px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

/* Iframe Loader */
.iframe-loader {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 700px;
    background: #ffffff;
    border-radius: var(--radius-xl);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10;
    transition: opacity 0.1s ease, visibility 0s linear 0.1s;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
}

.iframe-loader.hidden {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
}

.loader-content {
    text-align: center;
    animation: fadeInScale 0.5s ease-out;
}

.loader-logo {
    margin-bottom: 24px;
}

.loader-logo-text {
    font-size: 32px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    letter-spacing: -0.5px;
}

.loader-logo-low-credit {
    color: #6b7280;
}

.loader-logo-finance {
    color: #9ca3af;
}

@keyframes fadeInScale {
    from {
        opacity: 0;
        transform: scale(0.9);
    }
    to {
        opacity: 1;
        transform: scale(1);
    }
}

/* Loader Icon */
.loader-icon-wrapper {
    position: relative;
    width: 100px;
    height: 100px;
    margin: 0 auto 24px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.loader-document-icon {
    width: 50px;
    height: 50px;
    color: var(--primary-pink);
    z-index: 2;
    animation: floatIcon 2s ease-in-out infinite;
}

@keyframes floatIcon {
    0%, 100% {
        transform: translateY(0px);
    }
    50% {
        transform: translateY(-10px);
    }
}

.loader-spinner-ring {
    position: absolute;
    width: 100%;
    height: 100%;
    border: 3px solid transparent;
    border-top-color: var(--primary-pink);
    border-right-color: var(--primary-pink);
    border-radius: 50%;
    animation: spin 1.2s linear infinite;
    z-index: 1;
}

@keyframes spin {
    0% {
        transform: rotate(0deg);
    }
    100% {
        transform: rotate(360deg);
    }
}

/* Loader Title */
.loader-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--text-dark);
    margin: 0 0 16px 0;
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* Loader Dots */
.loader-dots {
    display: flex;
    gap: 8px;
    justify-content: center;
    align-items: center;
}

.dot {
    width: 8px;
    height: 8px;
    background: var(--gradient-primary);
    border-radius: 50%;
    animation: dotPulse 1.4s ease-in-out infinite;
}

.dot:nth-child(1) {
    animation-delay: 0s;
}

.dot:nth-child(2) {
    animation-delay: 0.2s;
}

.dot:nth-child(3) {
    animation-delay: 0.4s;
}

@keyframes dotPulse {
    0%, 80%, 100% {
        transform: scale(1);
        opacity: 0.5;
    }
    40% {
        transform: scale(1.3);
        opacity: 1;
    }
}

.form-container {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-lg);
    position: relative;
}

.form-container::before {
    content: '';
    position: absolute;
    inset: -2px;
    border-radius: var(--radius-xl);
    background: var(--gradient-primary);
    z-index: -1;
    opacity: 0.15;
}

.iframe-wrapper {
    min-height: 600px;
    border-radius: var(--radius-md);
    overflow: hidden;
}

/* Iframe Placeholder */

.iframe-placeholder {
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 600px;
    background: var(--light-pink);
    border-radius: var(--radius-md);
    border: 2px dashed var(--primary-pink);
}

.placeholder-content {
    text-align: center;
    padding: var(--spacing-xl);
}

.placeholder-icon {
    width: 64px;
    height: 64px;
    color: var(--primary-pink);
    margin: 0 auto var(--spacing-md);
}

.placeholder-content p {
    font-size: 18px;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: var(--spacing-xs);
}

.placeholder-note {
    font-size: 14px;
    color: var(--text-grey);
}

/* ===========================
   Section Titles
   =========================== */

.section-title {
    font-size: 42px;
    font-weight: 800;
    text-align: center;
    margin-bottom: var(--spacing-sm);
    color: var(--text-dark);
}

.section-subtitle {
    font-size: 18px;
    color: var(--text-grey);
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

/* ===========================
   How It Works Section
   =========================== */

.how-it-works {
    padding: var(--spacing-3xl) 0;
    background: linear-gradient(180deg, #ffffff 0%, #fafafa 100%);
    position: relative;
    overflow: hidden;
}

.how-it-works::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: 
        radial-gradient(circle at 10% 20%, rgba(255, 15, 91, 0.03) 0%, transparent 50%),
        radial-gradient(circle at 90% 80%, rgba(212, 20, 90, 0.03) 0%, transparent 50%);
    pointer-events: none;
    z-index: 0;
    animation: gradientShift 30s ease-in-out infinite;
}

@keyframes gradientShift {
    0%, 100% {
        opacity: 1;
        transform: scale(1);
    }
    50% {
        opacity: 0.8;
        transform: scale(1.05);
    }
}

.how-it-works-header {
    position: relative;
    z-index: 1;
    margin-bottom: var(--spacing-xl);
    opacity: 0;
    transform: translateY(-20px);
    transition: all 0.6s ease-out;
}

.how-it-works.animate-in .how-it-works-header {
    opacity: 1;
    transform: translateY(0);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-lg);
    position: relative;
    z-index: 1;
    margin-bottom: var(--spacing-xl);
    align-items: stretch;
}

.step-card {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: stretch;
    opacity: 0;
    animation: fadeInUpSteps 0.6s ease-out forwards;
    height: 100%;
}

.step-card[data-step="1"] {
    animation-delay: 0.1s;
}

.step-card[data-step="2"] {
    animation-delay: 0.3s;
}

.step-card[data-step="3"] {
    animation-delay: 0.5s;
}

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

.step-card-inner {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    text-align: center;
    position: relative;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
    border: 2px solid transparent;
    width: 100%;
    height: 100%;
    display: flex;
    flex-direction: column;
    overflow: hidden;
}

.step-card-inner::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: linear-gradient(
        45deg,
        transparent 30%,
        rgba(255, 15, 91, 0.1) 50%,
        transparent 70%
    );
    transform: translateX(-100%) translateY(-100%) rotate(45deg);
    transition: transform 0.6s ease;
}

.step-card:hover .step-card-inner::before {
    transform: translateX(100%) translateY(100%) rotate(45deg);
}

.step-card:hover .step-card-inner {
    transform: translateY(-8px);
    box-shadow: 0 12px 40px rgba(255, 15, 91, 0.15);
    border-color: var(--primary-pink);
}

.step-number-badge {
    position: absolute;
    top: -16px;
    right: var(--spacing-md);
    width: 56px;
    height: 56px;
    background: var(--gradient-primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 6px 20px rgba(255, 15, 91, 0.4);
    z-index: 2;
    transition: all 0.3s ease;
}

.how-it-works.animate-in .step-number-badge {
    animation: badgePulse 0.6s ease-out;
}

.step-card:hover .step-number-badge {
    transform: scale(1.1) rotate(10deg);
    box-shadow: 0 8px 28px rgba(255, 15, 91, 0.5);
}

@keyframes badgePulse {
    0% {
        transform: scale(0.8);
        opacity: 0;
    }
    50% {
        transform: scale(1.15);
    }
    100% {
        transform: scale(1);
        opacity: 1;
    }
}

.step-number {
    font-size: 24px;
    font-weight: 800;
    color: var(--white);
}

.step-icon-wrapper {
    width: 100px;
    height: 100px;
    margin: var(--spacing-md) auto var(--spacing-md);
    background: linear-gradient(135deg, rgba(255, 15, 91, 0.08) 0%, rgba(212, 20, 90, 0.12) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    transition: all 0.4s ease;
}

.step-card:hover .step-icon-wrapper {
    background: var(--gradient-primary);
    transform: scale(1.05);
}

.step-icon-wrapper::before {
    content: '';
    position: absolute;
    inset: -4px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-pink), var(--primary-magenta));
    opacity: 0;
    transition: opacity 0.3s ease;
    z-index: -1;
}

.step-card:hover .step-icon-wrapper::before {
    opacity: 0.2;
}

.step-icon {
    width: 48px;
    height: 48px;
    color: var(--primary-pink);
    transition: all 0.3s ease;
}

.step-card:hover .step-icon {
    color: var(--white);
    transform: scale(1.1);
}

.step-title {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: var(--spacing-sm);
    color: var(--text-dark);
    transition: color 0.3s ease;
    min-height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.step-card:hover .step-title {
    color: var(--primary-pink);
}

.step-description {
    font-size: 15px;
    color: var(--text-grey);
    line-height: 1.7;
    margin-bottom: auto;
    flex-grow: 1;
}

.step-features {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-top: var(--spacing-md);
    padding-top: var(--spacing-md);
    border-top: 1px solid rgba(255, 15, 91, 0.1);
}

.step-feature-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--text-grey);
    font-weight: 500;
}

.step-check {
    width: 18px;
    height: 18px;
    color: #10b981;
    flex-shrink: 0;
}

.step-connector {
    position: absolute;
    top: 50%;
    right: -32px;
    width: 64px;
    height: 20px;
    transform: translateY(-50%);
    color: rgba(255, 15, 91, 0.4);
    z-index: 0;
}

.step-card:last-child .step-connector {
    display: none;
}

.step-connector svg {
    width: 100%;
    height: 100%;
}

.step-connector svg path {
    stroke-dasharray: 5, 5;
    stroke-dashoffset: 0;
    animation: dashFlow 2s linear infinite;
}

@keyframes dashFlow {
    to {
        stroke-dashoffset: -20;
    }
}

.how-it-works-cta {
    text-align: center;
    margin-top: var(--spacing-2xl);
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.6s ease-out 0.8s;
}

.how-it-works.animate-in .how-it-works-cta {
    opacity: 1;
    transform: translateY(0);
}

.how-it-works-cta .cta-button {
    margin-bottom: var(--spacing-md);
}

.how-it-works-cta-note {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-size: 14px;
    color: var(--text-grey);
    font-weight: 500;
}

.cta-note-icon {
    width: 18px;
    height: 18px;
    color: #10b981;
    flex-shrink: 0;
}

/* ===========================
   Eligibility Criteria Section
   =========================== */

.eligibility-criteria {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.eligibility-header {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.eligibility-tagline {
    display: inline-block;
    font-size: 14px;
    font-weight: 700;
    color: var(--primary-pink);
    background: rgba(255, 15, 91, 0.08);
    padding: 6px 16px;
    border-radius: 20px;
    margin-bottom: var(--spacing-md);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.eligibility-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-lg);
    max-width: 1200px;
    margin: 0 auto;
}

.eligibility-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    text-align: center;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    border: 2px solid var(--light-grey);
    transition: all 0.3s ease;
    position: relative;
}

.eligibility-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 32px rgba(255, 15, 91, 0.12);
    border-color: var(--primary-pink);
}

.eligibility-number {
    position: absolute;
    top: var(--spacing-md);
    right: var(--spacing-md);
    width: 32px;
    height: 32px;
    background: var(--light-grey);
    color: var(--text-grey);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 700;
    transition: all 0.3s ease;
}

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

.eligibility-icon {
    width: 56px;
    height: 56px;
    margin: 0 auto var(--spacing-md);
    color: var(--primary-pink);
    transition: all 0.3s ease;
}

.eligibility-card:hover .eligibility-icon {
    transform: scale(1.1);
    filter: drop-shadow(0 4px 8px rgba(255, 15, 91, 0.3));
}

.eligibility-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: var(--spacing-xs);
}

.eligibility-description {
    font-size: 14px;
    color: var(--text-grey);
    line-height: 1.6;
    margin: 0;
}

/* ===========================
   Loan Types Section
   =========================== */

.loan-types {
    padding: var(--spacing-3xl) 0;
    background: linear-gradient(180deg, #fafafa 0%, #ffffff 100%);
    position: relative;
}

.loan-types-header {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.loan-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
    max-width: 1200px;
    margin: 0 auto;
}

.loan-card {
    background: var(--white);
    border: 2px solid rgba(0, 0, 0, 0.06);
    border-radius: var(--radius-xl);
    padding: var(--spacing-xl);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.04);
    position: relative;
    display: flex;
    flex-direction: column;
    height: 100%;
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 40px rgba(255, 15, 91, 0.15);
    border-color: var(--primary-pink);
}

.loan-card-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: var(--spacing-md);
}

.loan-icon-wrapper {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, rgba(255, 15, 91, 0.08) 0%, rgba(212, 20, 90, 0.12) 100%);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s ease;
}

.loan-card:hover .loan-icon-wrapper {
    background: var(--gradient-primary);
    transform: scale(1.05) rotate(-5deg);
}

.loan-icon {
    width: 32px;
    height: 32px;
    color: var(--primary-pink);
    transition: color 0.3s ease;
}

.loan-card:hover .loan-icon {
    color: var(--white);
}

.loan-badge {
    display: inline-block;
    padding: 4px 12px;
    background: linear-gradient(135deg, #10b981, #059669);
    color: var(--white);
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    border-radius: 12px;
    box-shadow: 0 2px 8px rgba(16, 185, 129, 0.3);
}

.loan-badge-urgent {
    background: linear-gradient(135deg, #f59e0b, #d97706);
    box-shadow: 0 2px 8px rgba(245, 158, 11, 0.3);
}

.loan-title {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: var(--spacing-sm);
    color: var(--text-dark);
    transition: color 0.3s ease;
}

.loan-card:hover .loan-title {
    color: var(--primary-pink);
}

.loan-description {
    font-size: 15px;
    color: var(--text-grey);
    margin-bottom: var(--spacing-md);
    line-height: 1.7;
    flex-grow: 1;
}

.loan-amount {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-sm) var(--spacing-md);
    background: linear-gradient(135deg, rgba(255, 15, 91, 0.05) 0%, rgba(212, 20, 90, 0.08) 100%);
    border-radius: var(--radius-sm);
    margin-bottom: var(--spacing-md);
}

.amount-label {
    font-size: 12px;
    font-weight: 600;
    color: var(--text-grey);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.amount-value {
    font-size: 18px;
    font-weight: 800;
    color: var(--primary-pink);
}

.loan-features {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.loan-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14px;
    color: var(--text-dark);
    font-weight: 500;
}

.feature-check {
    width: 20px;
    height: 20px;
    color: #10b981;
    flex-shrink: 0;
}

/* Staggered Animation for Loan Cards */
.loan-card[data-loan="1"] {
    animation: fadeInUpLoan 0.6s ease-out 0.1s both;
}

.loan-card[data-loan="2"] {
    animation: fadeInUpLoan 0.6s ease-out 0.2s both;
}

.loan-card[data-loan="3"] {
    animation: fadeInUpLoan 0.6s ease-out 0.3s both;
}

.loan-card[data-loan="4"] {
    animation: fadeInUpLoan 0.6s ease-out 0.4s both;
}

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

/* ===========================
   Trust & Security Section
   =========================== */

.trust-security {
    padding: var(--spacing-3xl) 0;
    background: linear-gradient(135deg, #f0fdf4 0%, #ecfdf5 50%, #f0fdf4 100%);
    position: relative;
    overflow: hidden;
}

.trust-security::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: 
        radial-gradient(circle at 15% 25%, rgba(16, 185, 129, 0.04) 0%, transparent 50%),
        radial-gradient(circle at 85% 75%, rgba(5, 150, 105, 0.04) 0%, transparent 50%);
    pointer-events: none;
    z-index: 0;
}

.security-header {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
    position: relative;
    z-index: 1;
}

.security-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, rgba(16, 185, 129, 0.1) 0%, rgba(5, 150, 105, 0.15) 100%);
    padding: 8px 20px;
    border-radius: 50px;
    margin-bottom: var(--spacing-md);
    border: 1px solid rgba(16, 185, 129, 0.2);
}

.security-badge-icon {
    width: 20px;
    height: 20px;
    color: #10b981;
}

.security-badge span {
    font-size: 14px;
    font-weight: 700;
    color: #059669;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.security-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-lg);
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.security-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    transition: all 0.3s ease;
    border: 2px solid var(--light-grey);
    text-align: center;
    position: relative;
}

.security-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 32px rgba(16, 185, 129, 0.12);
    border-color: #10b981;
}

.security-icon-wrapper {
    width: 72px;
    height: 72px;
    margin: 0 auto var(--spacing-md);
    position: relative;
}

.security-icon-bg {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(16, 185, 129, 0.1) 0%, rgba(5, 150, 105, 0.15) 100%);
    border-radius: 50%;
    transition: all 0.3s ease;
}

.security-card:hover .security-icon-bg {
    background: linear-gradient(135deg, #10b981, #059669);
    transform: scale(1.05);
}

.security-icon {
    width: 36px;
    height: 36px;
    color: #10b981;
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    transition: all 0.3s ease;
}

.security-card:hover .security-icon {
    color: var(--white);
}

.security-title {
    font-size: 17px;
    font-weight: 700;
    margin-bottom: var(--spacing-xs);
    color: var(--text-dark);
}

.security-description {
    font-size: 14px;
    color: var(--text-grey);
    line-height: 1.6;
    margin: 0;
}

.security-badge-small {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    background: rgba(16, 185, 129, 0.1);
    padding: 4px 10px;
    border-radius: 12px;
    margin-top: var(--spacing-sm);
}

.badge-check {
    width: 14px;
    height: 14px;
    color: #10b981;
}

.security-badge-small span {
    font-size: 11px;
    font-weight: 600;
    color: #059669;
    text-transform: uppercase;
    letter-spacing: 0.3px;
}

/* Staggered Animation for Security Cards */
.security-card[data-security="1"] {
    animation: fadeInUpSecurity 0.6s ease-out 0.1s both;
}

.security-card[data-security="2"] {
    animation: fadeInUpSecurity 0.6s ease-out 0.2s both;
}

.security-card[data-security="3"] {
    animation: fadeInUpSecurity 0.6s ease-out 0.3s both;
}

.security-card[data-security="4"] {
    animation: fadeInUpSecurity 0.6s ease-out 0.4s both;
}

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

/* ===========================
   Testimonials Section
   =========================== */

.testimonials {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.testimonials-header {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.testimonials-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, rgba(251, 191, 36, 0.1) 0%, rgba(245, 158, 11, 0.15) 100%);
    padding: 8px 20px;
    border-radius: 50px;
    margin-bottom: var(--spacing-md);
    border: 1px solid rgba(251, 191, 36, 0.2);
}

.testimonials-badge-icon {
    width: 18px;
    height: 18px;
    color: #fbbf24;
}

.testimonials-badge span {
    font-size: 14px;
    font-weight: 700;
    color: #d97706;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-lg);
    max-width: 1200px;
    margin: 0 auto;
}

.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    border: 2px solid var(--light-grey);
    position: relative;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
}

.testimonial-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.1);
    border-color: #fbbf24;
}

.testimonial-quote-icon {
    display: none;
}

.testimonial-rating {
    display: flex;
    gap: 3px;
    margin-bottom: var(--spacing-sm);
}

.star {
    width: 16px;
    height: 16px;
    color: #fbbf24;
}

.testimonial-text {
    font-size: 14px;
    color: var(--text-dark);
    line-height: 1.6;
    margin-bottom: auto;
    flex-grow: 1;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: var(--spacing-md);
    padding-top: var(--spacing-md);
    border-top: 1px solid var(--light-grey);
}

.author-avatar {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 13px;
    flex-shrink: 0;
}

.avatar-icon {
    width: 22px;
    height: 22px;
    color: var(--white);
}

.author-name {
    font-weight: 600;
    color: var(--text-dark);
    font-size: 14px;
}

.author-location {
    font-size: 12px;
    color: var(--text-light);
}

/* Staggered Animation for Testimonial Cards */
.testimonial-card[data-testimonial="1"] {
    animation: fadeInUpTestimonial 0.6s ease-out 0.1s both;
}

.testimonial-card[data-testimonial="2"] {
    animation: fadeInUpTestimonial 0.6s ease-out 0.2s both;
}

.testimonial-card[data-testimonial="3"] {
    animation: fadeInUpTestimonial 0.6s ease-out 0.3s both;
}

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

/* ===========================
   FAQ Section
   =========================== */

.faq {
    padding: var(--spacing-3xl) 0;
    background: var(--light-grey);
}

.faq-header {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.faq-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, rgba(99, 102, 241, 0.1) 0%, rgba(79, 70, 229, 0.15) 100%);
    padding: 8px 20px;
    border-radius: 50px;
    margin-bottom: var(--spacing-md);
    border: 1px solid rgba(99, 102, 241, 0.2);
}

.faq-badge-icon {
    width: 18px;
    height: 18px;
    color: #6366f1;
}

.faq-badge span {
    font-size: 14px;
    font-weight: 700;
    color: #4f46e5;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

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

.faq-item {
    background: var(--white);
    border: 2px solid var(--light-grey);
    border-radius: var(--radius-md);
    margin-bottom: 12px;
    overflow: hidden;
    transition: all 0.3s ease;
}

.faq-item.active {
    border-color: var(--primary-pink);
    box-shadow: 0 4px 20px rgba(255, 15, 91, 0.1);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 20px;
    background: none;
    border: none;
    font-size: 16px;
    font-weight: 600;
    color: var(--text-dark);
    cursor: pointer;
    text-align: left;
    font-family: var(--font-family);
    transition: all 0.2s ease;
}

.faq-question:hover {
    background-color: rgba(255, 15, 91, 0.02);
}

.faq-item.active .faq-question {
    color: var(--primary-pink);
}

.faq-icon {
    width: 22px;
    height: 22px;
    color: var(--primary-pink);
    transition: transform 0.3s ease;
    flex-shrink: 0;
    margin-left: 16px;
}

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

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

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 0 20px 18px;
}

.faq-answer p {
    font-size: 14px;
    color: var(--text-grey);
    line-height: 1.7;
    margin: 0;
}

/* ===========================
   Final CTA Section
   =========================== */

.final-cta {
    padding: var(--spacing-3xl) 0;
    background: var(--gradient-primary);
    position: relative;
    overflow: hidden;
}

.final-cta::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 600px;
    height: 600px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    animation: floatOrb 60s ease-in-out infinite;
}

.final-cta::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 500px;
    height: 500px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 50%;
    animation: floatOrb 70s ease-in-out infinite reverse;
    animation-delay: -15s;
}

.final-cta-content {
    text-align: center;
    position: relative;
    z-index: 1;
}

.final-cta-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto var(--spacing-md);
    background: rgba(255, 255, 255, 0.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(10px);
}

.final-cta-icon svg {
    width: 44px;
    height: 44px;
    color: var(--white);
}

.final-cta-title {
    font-size: 48px;
    font-weight: 800;
    color: var(--white);
    margin-bottom: var(--spacing-sm);
    text-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
}

.final-cta-subtitle {
    font-size: 20px;
    color: rgba(255, 255, 255, 0.95);
    margin-bottom: var(--spacing-xl);
}

.final-cta-trust {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-lg);
    margin-top: var(--spacing-lg);
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255, 255, 255, 0.95);
    font-size: 14px;
    font-weight: 600;
}

.trust-check {
    width: 20px;
    height: 20px;
    flex-shrink: 0;
}

/* ===========================
   Footer
   =========================== */

.footer {
    background: var(--text-dark);
    color: rgba(255, 255, 255, 0.8);
    padding: var(--spacing-2xl) 0 var(--spacing-lg);
}

.footer-content {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-xl);
}

.footer-brand {
    max-width: 600px;
}

.footer-brand .logo-text {
    background: linear-gradient(135deg, #ffffff 0%, #a0a0a0 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: var(--spacing-sm);
    display: block;
}

.footer-description {
    font-size: 14px;
    line-height: 1.7;
    color: rgba(255, 255, 255, 0.6);
}

.footer-policy-links {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
    justify-content: center;
}

.footer-policy-link {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-policy-link:hover {
    color: var(--primary-pink);
}

.footer-separator {
    color: rgba(255, 255, 255, 0.4);
    font-size: 14px;
}

/* Footer Disclosures */
.footer-disclosures {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: var(--spacing-xl);
    margin-top: var(--spacing-xl);
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-lg);
}

.disclosure-section {
    margin-bottom: var(--spacing-md);
}

.disclosure-title {
    font-size: 14px;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: var(--spacing-xs);
    letter-spacing: 0.3px;
}

.disclosure-text {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.6);
    line-height: 1.7;
    margin: 0;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: var(--spacing-lg);
    margin-top: var(--spacing-lg);
}

.footer-copyright {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.6);
    text-align: center;
    margin: 0;
}

/* ===========================
   Sticky CTA Bar
   =========================== */

.sticky-cta-bar {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 99;
    animation: slideUpSticky 0.4s cubic-bezier(0.68, -0.55, 0.265, 1.55);
}

@keyframes slideUpSticky {
    from {
        transform: translateY(100%);
    }
    to {
        transform: translateY(0);
    }
}

/* Mobile Sticky CTA */
.sticky-cta-mobile {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 11px 16px;
    gap: 12px;
    background: linear-gradient(135deg, #1a2738 0%, #2c3e50 100%);
    box-shadow: 0 -4px 24px rgba(0, 0, 0, 0.25);
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.sticky-mobile-info {
    display: flex;
    flex-direction: column;
    gap: 5px;
    flex: 1;
}

.mobile-top-row {
    display: flex;
    align-items: center;
    gap: 8px;
}

.mobile-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
}

.badge-pulse {
    width: 6px;
    height: 6px;
    background: #10b981;
    border-radius: 50%;
    box-shadow: 0 0 8px rgba(16, 185, 129, 0.7);
    animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% {
        opacity: 1;
        transform: scale(1);
    }
    50% {
        opacity: 0.5;
        transform: scale(1.2);
    }
}

.badge-text {
    font-size: 9px;
    font-weight: 700;
    color: #10b981;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.mobile-credit-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    background: rgba(16, 185, 129, 0.12);
    padding: 3px 8px;
    border-radius: 10px;
    border: 1px solid rgba(16, 185, 129, 0.25);
}

.check-icon {
    width: 12px;
    height: 12px;
    color: #10b981;
    flex-shrink: 0;
}

.credit-text {
    font-size: 9px;
    font-weight: 700;
    color: #10b981;
    letter-spacing: 0.3px;
}

.mobile-message {
    display: flex;
    align-items: baseline;
    gap: 6px;
}

.mobile-text {
    font-size: 11px;
    font-weight: 500;
    color: rgba(255, 255, 255, 0.6);
}

.mobile-timer {
    font-size: 16px;
    font-weight: 800;
    color: #ffffff;
    font-family: 'Courier New', monospace;
    letter-spacing: 0.5px;
}

.mobile-cta-btn {
    background: var(--gradient-primary);
    color: #ffffff;
    border: none;
    padding: 10px 18px;
    border-radius: 10px;
    font-size: 13px;
    font-weight: 700;
    cursor: pointer;
    box-shadow: 0 4px 16px rgba(255, 15, 91, 0.4);
    transition: all 0.2s ease;
    font-family: var(--font-family);
    white-space: nowrap;
    flex-shrink: 0;
}

.mobile-cta-btn:active {
    transform: scale(0.96);
}

.btn-icon {
    display: none;
}

/* Desktop Sticky CTA */
.sticky-cta-desktop {
    display: none;
    background: #ffffff;
    padding: 14px 32px;
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.08);
    border-top: 1px solid rgba(0, 0, 0, 0.06);
}

.desktop-cta-container {
    max-width: 1280px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
}

.desktop-left {
    display: flex;
    align-items: center;
    gap: 32px;
}

.desktop-badge-group {
    display: flex;
    align-items: center;
    gap: 12px;
}

.desktop-live-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    background: linear-gradient(135deg, #10b981, #059669);
    padding: 5px 12px;
    border-radius: 16px;
    box-shadow: 0 2px 8px rgba(16, 185, 129, 0.2);
}

.live-dot {
    width: 6px;
    height: 6px;
    background: #ffffff;
    border-radius: 50%;
    box-shadow: 0 0 0 0 rgba(255, 255, 255, 1);
    animation: livePulse 2s ease-in-out infinite;
}

@keyframes livePulse {
    0% {
        box-shadow: 0 0 0 0 rgba(255, 255, 255, 0.7);
    }
    50% {
        box-shadow: 0 0 0 6px rgba(255, 255, 255, 0);
    }
    100% {
        box-shadow: 0 0 0 0 rgba(255, 255, 255, 0);
    }
}

.desktop-live-badge span {
    font-size: 10px;
    font-weight: 800;
    color: #ffffff;
    letter-spacing: 0.8px;
}

.desktop-lenders-count {
    font-size: 13px;
    color: #4a4a4a;
    font-weight: 500;
}

.desktop-lenders-count strong {
    font-size: 16px;
    font-weight: 800;
    color: #1a1a1a;
}

.desktop-timer-section {
    display: flex;
    align-items: center;
    gap: 12px;
    background: rgba(255, 15, 91, 0.05);
    padding: 8px 20px;
    border-radius: 12px;
    border: 1px solid rgba(255, 15, 91, 0.15);
}

.desktop-clock-icon {
    width: 28px;
    height: 28px;
    color: var(--primary-pink);
    animation: tickTock 1s ease-in-out infinite;
}

@keyframes tickTock {
    0%, 100% {
        transform: rotate(0deg);
    }
    25% {
        transform: rotate(-5deg);
    }
    75% {
        transform: rotate(5deg);
    }
}

.desktop-timer-text {
    display: flex;
    align-items: baseline;
    gap: 8px;
}

.timer-label {
    font-size: 13px;
    color: #6b6b6b;
    font-weight: 500;
}

.timer-countdown {
    font-size: 20px;
    font-weight: 800;
    color: var(--primary-pink);
    font-family: 'Courier New', monospace;
    letter-spacing: 1px;
}

.desktop-cta-btn {
    background: var(--gradient-primary);
    color: #ffffff;
    border: none;
    padding: 12px 36px;
    border-radius: 12px;
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    display: flex;
    align-items: center;
    gap: 8px;
    box-shadow: 0 4px 16px rgba(255, 15, 91, 0.3);
    transition: all 0.2s ease;
    font-family: var(--font-family);
    white-space: nowrap;
}

.desktop-cta-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(255, 15, 91, 0.4);
}

.desktop-cta-btn:active {
    transform: translateY(0);
}

.desktop-btn-icon {
    width: 18px;
    height: 18px;
}

/* Show/Hide Desktop vs Mobile */
@media (min-width: 769px) {
    .sticky-cta-mobile {
        display: none;
    }
    
    .sticky-cta-desktop {
        display: block;
    }
}

@media (max-width: 768px) {
    .sticky-cta-desktop {
        display: none;
    }
    
    .sticky-cta-mobile {
        display: flex;
    }
}

/* ===========================
   Rates & Fees Section
   =========================== */

.rates-fees {
    padding: var(--spacing-3xl) 0;
    background: var(--white);
}

.rates-fees-header {
    text-align: center;
    margin-bottom: var(--spacing-2xl);
}

.rates-fees-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, rgba(255, 15, 91, 0.08) 0%, rgba(212, 20, 90, 0.12) 100%);
    padding: 8px 20px;
    border-radius: 50px;
    margin-bottom: var(--spacing-md);
    border: 1px solid rgba(255, 15, 91, 0.2);
}

.rates-fees-badge-icon {
    width: 20px;
    height: 20px;
    color: var(--primary-pink);
}

.rates-fees-badge span {
    font-size: 14px;
    font-weight: 700;
    color: var(--primary-magenta);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.rates-fees-intro {
    max-width: 780px;
    margin: 0 auto var(--spacing-2xl);
    background: var(--light-pink, #fff0f6);
    border: 1px solid rgba(255, 15, 91, 0.15);
    border-radius: 16px;
    padding: var(--spacing-xl);
}

.rates-fees-intro > p:first-child {
    color: var(--text-grey);
    font-size: 15px;
    line-height: 1.7;
    margin: 0 0 var(--spacing-md);
}

.rates-info-list {
    list-style: none;
    padding: 0;
    margin: 0 0 var(--spacing-md);
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.rates-info-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 15px;
    color: var(--text-dark);
    line-height: 1.5;
}

.rates-check {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
    color: var(--primary-pink);
    margin-top: 2px;
}

.rates-table-note {
    font-size: 13px;
    color: var(--text-grey);
    margin: 0;
    font-style: italic;
    line-height: 1.6;
}

.rates-table-wrapper {
    max-width: 900px;
    margin: 0 auto;
}

.rates-table-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--text-dark);
    margin: 0 0 var(--spacing-md);
    text-align: center;
}

.rates-table-scroll {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border-radius: 12px;
    border: 1px solid rgba(255, 15, 91, 0.15);
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
}

.rates-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 15px;
    min-width: 560px;
}

.rates-table thead tr {
    background: linear-gradient(135deg, var(--primary-magenta), var(--primary-pink));
}

.rates-table thead th {
    color: #fff;
    font-weight: 600;
    font-size: 13px;
    padding: 14px 20px;
    text-align: left;
    white-space: nowrap;
    letter-spacing: 0.3px;
}

.rates-table tbody tr {
    border-bottom: 1px solid #f3f4f6;
    transition: background 0.15s ease;
}

.rates-table tbody tr:last-child {
    border-bottom: none;
}

.rates-table tbody tr:nth-child(even) {
    background: var(--light-pink, #fff0f6);
}

.rates-table tbody tr:hover {
    background: var(--soft-pink, #ffe5f0);
}

.rates-table tbody td {
    padding: 14px 20px;
    color: var(--text-grey);
    font-variant-numeric: tabular-nums;
}

.rates-table tbody td:first-child {
    font-weight: 600;
    color: var(--text-dark);
}

.rates-table-footnote {
    margin: var(--spacing-md) 0 0;
    font-size: 13px;
    color: var(--text-grey);
    line-height: 1.6;
}

/* ===========================
   Responsive Design
   =========================== */

/* Laptop screens — cluster decorations around the right-side form */
@media (max-width: 1280px) {
    .decoration-icon {
        width: 40px;
        height: 40px;
        opacity: 0.1;
    }

    /* Above the form, left edge */
    .icon-dollar {
        top: 6%;
        right: 28%;
    }

    /* Above the form, right edge */
    .icon-shield {
        top: 8%;
        right: 6%;
        width: 42px;
        height: 42px;
    }

    /* Middle-left of form */
    .icon-chart {
        top: 42%;
        right: 46%;
        width: 36px;
        height: 36px;
        left: auto;
        bottom: auto;
    }

    /* Middle-right of form */
    .icon-home {
        top: 38%;
        right: 4%;
        width: 42px;
        height: 42px;
        left: auto;
    }

    /* Below the form, right side */
    .icon-people {
        bottom: 8%;
        right: 6%;
        width: 44px;
        height: 44px;
    }

    /* Below the form, left side */
    .icon-card {
        bottom: 10%;
        right: 30%;
        width: 34px;
        height: 34px;
        top: auto;
        left: auto;
    }

    .decoration-shape {
        opacity: 0.06;
    }

    /* Top-right corner of form */
    .shape-1 {
        width: 80px;
        height: 80px;
        top: 5%;
        right: 16%;
        left: auto;
        bottom: auto;
    }

    /* Bottom-left of form */
    .shape-2 {
        width: 60px;
        height: 60px;
        bottom: 12%;
        right: 38%;
        left: auto;
    }

    /* Right edge mid-form */
    .shape-3 {
        width: 70px;
        height: 70px;
        top: 50%;
        right: 2%;
        left: auto;
        bottom: auto;
    }

    /* Center-bottom of form */
    .shape-4 {
        width: 50px;
        height: 50px;
        bottom: 18%;
        right: 20%;
        left: auto;
        top: auto;
    }
}

@media (max-width: 1024px) {
    .hero-title {
        font-size: 56px;
        line-height: 1.06;
        letter-spacing: -1.5px;
    }
    
    .hero-title-highlight {
        font-size: 63px;
        letter-spacing: -2.5px;
    }
    
    .hero-title-line-inline {
        font-size: 56px;
        letter-spacing: -2px;
    }
    
    .section-title {
        font-size: 36px;
    }
    
    .final-cta-title {
        font-size: 38px;
    }
}

/* ===========================
   Tablet — 769px to 1024px
   =========================== */
@media (min-width: 769px) and (max-width: 1024px) {

    /* ----- Navbar ----- */
    .nav {
        gap: 0;
    }

    .nav-link {
        font-size: 13px;
        padding: 7px 8px;
    }

    .header-cta-button {
        padding: 9px 16px;
        font-size: 13px;
        margin-left: 8px;
    }

    .logo-text {
        font-size: 22px;
    }

    /* ----- Hero grid — stack vertically on tablet ----- */
    .hero {
        padding: 40px 0 0 0;
    }

    .hero-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    /* Left column: remove the large desktop left padding */
    .hero-content {
        padding-left: 0;
        padding-right: 0;
        text-align: center;
        order: 1;
    }

    /* Centre the trust badge */
    .hero-trust-badge {
        margin-left: auto;
        margin-right: auto;
    }

    /* Centre the feature bullets */
    .hero-features {
        justify-content: center;
    }

    /* Centre the CTA */
    .hero-cta-wrapper {
        display: flex;
        flex-direction: column;
        align-items: center;
    }

    /* Right column (calculator card) — centred below text */
    .hero-form {
        order: 2;
        height: auto;
        min-height: unset;
        max-width: 480px;
        margin-left: auto;
        margin-right: auto;
        width: 100%;
    }

    .iframe-loader {
        height: 650px;
        min-height: unset;
    }

    /* Hero title sizing for tablet */
    .hero-title {
        font-size: 52px;
        line-height: 1.07;
        letter-spacing: -1.5px;
    }

    .hero-title-line {
        font-size: 52px;
    }

    .hero-title-highlight {
        font-size: 58px;
        letter-spacing: -2px;
    }

    .hero-title-line-inline {
        font-size: 52px;
        letter-spacing: -1.5px;
    }

    /* ----- Trust & Security section ----- */
    .security-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--spacing-md);
    }

    .security-card {
        padding: var(--spacing-lg);
        text-align: center;
    }

    /* ----- Eligibility Criteria section ----- */
    .eligibility-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--spacing-md);
    }

    .eligibility-card {
        padding: var(--spacing-lg);
        text-align: center;
    }
}

@media (max-width: 768px) {
    /* Sub Header */
    .sub-header {
        padding: 7px 0;
    }
    
    .sub-header-content {
        gap: 20px;
        flex-wrap: nowrap;
    }
    
    .sub-header-item-desktop {
        display: none;
    }
    
    .sub-header-divider-desktop {
        display: none;
    }
    
    .sub-header-text-mobile {
        display: inline;
    }
    
    .sub-header-text-desktop {
        display: none;
    }
    
    .sub-header-item {
        font-size: 12px;
        gap: 8px;
    }
    
    .sub-header-icon {
        width: 16px;
        height: 16px;
    }
    
    /* Header */
    .header {
        padding: 14px 0;
    }
    
    .header.scrolled {
        padding: 12px 0;
    }
    
    .logo-text {
        font-size: 22px;
    }
    
    .nav {
        display: none;
    }
    
    .mobile-menu-toggle {
        display: flex;
    }
    
    /* Hero */
    .hero {
        padding: 32px 0 0 0;
        margin-bottom: 0;
        overflow: hidden;
        height: auto;
    }
    
    .hero-background {
        height: 100%;
    }

    .hero-grid {
        grid-template-columns: 1fr;
        gap: 16px;
        width: 100%;
        overflow-x: hidden;
        padding-bottom: 0;
        margin-bottom: 0;
    }
    
    .hero-content {
        padding-left: 0;
        padding-right: 0;
        order: 1;
        width: 100%;
        min-width: 0;
    }
    
    .hero-form {
        order: 2;
        height: auto;
        min-height: unset;
        width: calc(100% + var(--spacing-md) * 2);
        margin-left: calc(-1 * var(--spacing-md));
        margin-right: calc(-1 * var(--spacing-md));
        margin-bottom: 0;
        padding-bottom: 0;
        overflow: hidden;
        border-radius: 0;
    }
    
    /* Loader Mobile */
    .iframe-loader {
        height: 580px;
        min-height: unset;
    }
    
    .loader-icon-wrapper {
        width: 80px;
        height: 80px;
        margin-bottom: 20px;
    }
    
    .loader-document-icon {
        width: 40px;
        height: 40px;
    }
    
    .loader-logo-text {
        font-size: 26px;
    }
    
    .loader-logo {
        margin-bottom: 20px;
    }
    
    .loader-title {
        font-size: 17px;
        margin-bottom: 12px;
    }
    
    .dot {
        width: 6px;
        height: 6px;
    }
    
    /* Hero Trust Badge */
    .hero-trust-badge {
        font-size: 12.5px;
        padding: 6px 14px 6px 11px;
        margin-bottom: 22px;
        gap: 7px;
    }
    
    .trust-badge-icon {
        width: 15px;
        height: 15px;
    }
    
    /* Hero Title */
    .hero-title {
        font-size: 38px;
        line-height: 1.08;
        margin-bottom: 18px;
        letter-spacing: -0.8px;
    }

    .hero-title-line {
        font-size: 38px;
    }
    
    .hero-title-highlight {
        font-size: 44px;
        letter-spacing: -1px;
    }
    
    .hero-title-line-inline {
        font-size: 38px;
        display: block;
        margin-top: 2px;
        letter-spacing: -0.8px;
    }
    
    /* Hero Subtitle */
    .hero-subtitle {
        font-size: 17px;
        line-height: 1.55;
        margin-bottom: 22px;
        max-width: 100%;
    }
    
    /* Hero Features */
    .hero-features {
        flex-direction: column;
        align-items: flex-start;
        gap: 12px;
        margin-bottom: 28px;
    }

    .feature-item {
        width: auto;
        background: none;
        border: none;
        border-radius: 0;
        padding: 0;
        gap: 10px;
        backdrop-filter: none;
        box-shadow: none;
    }

    .feature-icon-wrapper {
        width: 30px;
        height: 30px;
        min-width: 30px;
    }
    
    .feature-icon {
        width: 14px;
        height: 14px;
    }
    
    .feature-text {
        font-size: 13.5px;
        font-weight: 400;
        line-height: 1.3;
        white-space: normal;
        color: #1a1a1a;
    }
    
    /* Hero CTA */
    .hero-cta-wrapper {
        margin-bottom: 16px;
    }
    
    .cta-button-hero {
        width: 100%;
        padding: 14px 28px;
        font-size: 15px;
        justify-content: center;
    }
    
    .cta-subtext {
        font-size: 12px;
        margin-top: 12px;
        justify-content: center;
    }
    
    .check-icon {
        width: 16px;
        height: 16px;
    }
    
    /* Hide decorations on mobile and kill their animations */
    .decoration-icon,
    .decoration-shape {
        display: none;
        animation: none;
    }
    
    /* Kill all decorative background animations on mobile */
    .hero-gradient-orb,
    .orb-1, .orb-2, .orb-3 {
        animation: none;
    }
    
    .sub-header::before {
        animation: none;
    }
    
    .how-it-works::before,
    .how-it-works::after {
        animation: none;
    }
    
    .final-cta::before,
    .final-cta::after {
        animation: none;
    }
    
    .hero-gradient-orb {
        filter: blur(60px);
    }
    
    .orb-1,
    .orb-2 {
        width: 400px;
        height: 400px;
    }
    
    .orb-3 {
        width: 300px;
        height: 300px;
    }
    
    /* Sections */
    .section-title {
        font-size: 32px;
    }
    
    .section-subtitle {
        font-size: 16px;
        margin-bottom: 8px;
    }
    
    /* How It Works Section */
    .how-it-works {
        padding: 40px 0 var(--spacing-2xl);
        margin-top: 0;
        background: linear-gradient(180deg, #fafafa 0%, #ffffff 50%, #fafafa 100%);
    }
    
    .how-it-works-header {
        margin-bottom: 10px;
    }
    
    .steps-grid {
        grid-template-columns: 1fr;
        gap: 40px;
        position: relative;
    }
    
    .steps-grid::before {
        content: '';
        position: absolute;
        left: 50%;
        top: 60px;
        bottom: 60px;
        width: 2px;
        background: linear-gradient(
            to bottom,
            transparent 0%,
            rgba(255, 15, 91, 0.2) 10%,
            rgba(255, 15, 91, 0.3) 50%,
            rgba(255, 15, 91, 0.2) 90%,
            transparent 100%
        );
        transform: translateX(-50%);
        z-index: 0;
    }
    
    .step-card {
        max-width: 100%;
        position: relative;
        z-index: 1;
    }
    
    .step-card-inner {
        padding: var(--spacing-xl) var(--spacing-lg);
        max-width: 100%;
        border-radius: var(--radius-lg);
        box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
        background: linear-gradient(135deg, #ffffff 0%, #fefefe 100%);
        border: 2px solid rgba(255, 15, 91, 0.08);
    }
    
    .step-card-inner::before {
        display: none;
    }
    
    .step-number-badge {
        width: 52px;
        height: 52px;
        top: -14px;
        left: 50%;
        transform: translateX(-50%);
        right: auto;
        animation: mobileBadgePulse 2s ease-in-out infinite;
    }
    
    @keyframes mobileBadgePulse {
        0%, 100% {
            box-shadow: 0 6px 20px rgba(255, 15, 91, 0.4);
        }
        50% {
            box-shadow: 0 8px 28px rgba(255, 15, 91, 0.6);
        }
    }
    
    .step-number {
        font-size: 22px;
    }
    
    .step-icon-wrapper {
        width: 90px;
        height: 90px;
        margin: var(--spacing-lg) auto var(--spacing-md);
    }
    
    .step-icon {
        width: 44px;
        height: 44px;
    }
    
    .step-title {
        font-size: 20px;
        min-height: auto;
        margin-bottom: var(--spacing-sm);
    }
    
    .step-description {
        font-size: 15px;
        margin-bottom: var(--spacing-md);
        line-height: 1.6;
    }
    
    .step-features {
        gap: 10px;
        margin-top: var(--spacing-md);
        padding-top: var(--spacing-md);
    }
    
    .step-feature-item {
        font-size: 13px;
        justify-content: center;
    }
    
    .step-check {
        width: 16px;
        height: 16px;
    }
    
    .step-connector {
        display: none;
    }
    
    .how-it-works-cta {
        margin-top: var(--spacing-2xl);
    }
    
    .how-it-works-cta .cta-button {
        width: 100%;
        padding: 16px 32px;
        font-size: 16px;
    }
    
    .how-it-works-cta-note {
        font-size: 13px;
        flex-wrap: wrap;
        margin-top: var(--spacing-md);
    }
    
    .cta-note-icon {
        width: 16px;
        height: 16px;
    }
    
    /* Eligibility Criteria Section */
    .eligibility-criteria {
        padding: var(--spacing-xl) 0;
    }
    
    .eligibility-header {
        margin-bottom: var(--spacing-lg);
    }
    
    .eligibility-tagline {
        font-size: 12px;
        padding: 4px 12px;
    }
    
    .eligibility-grid {
        grid-template-columns: 1fr;
        gap: var(--spacing-sm);
    }
    
    .eligibility-card {
        padding: var(--spacing-md);
        display: flex;
        align-items: center;
        text-align: left;
        gap: var(--spacing-md);
    }
    
    .eligibility-number {
        width: 36px;
        height: 36px;
        min-width: 36px;
        font-size: 16px;
        font-weight: 800;
        position: static;
        background: var(--gradient-primary);
        color: var(--white);
    }
    
    .eligibility-icon {
        width: 40px;
        height: 40px;
        min-width: 40px;
        margin: 0;
    }
    
    .eligibility-title {
        font-size: 15px;
        margin-bottom: 2px;
    }
    
    .eligibility-description {
        font-size: 13px;
        line-height: 1.5;
    }
    
    /* Loan Types Section */
    .loan-types {
        padding: var(--spacing-2xl) 0;
    }
    
    .loan-types-header {
        margin-bottom: var(--spacing-xl);
    }
    
    .loan-grid {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }
    
    .loan-card {
        padding: var(--spacing-lg);
    }
    
    .loan-icon-wrapper {
        width: 56px;
        height: 56px;
    }
    
    .loan-icon {
        width: 28px;
        height: 28px;
    }
    
    .loan-badge {
        font-size: 10px;
        padding: 3px 10px;
    }
    
    .loan-title {
        font-size: 20px;
    }
    
    .loan-description {
        font-size: 14px;
    }
    
    .loan-amount {
        padding: 10px 12px;
    }
    
    .amount-label {
        font-size: 11px;
    }
    
    .amount-value {
        font-size: 16px;
    }
    
    .loan-features li {
        font-size: 13px;
    }
    
    .feature-check {
        width: 18px;
        height: 18px;
    }
    
    /* Trust & Security Section */
    .trust-security {
        padding: var(--spacing-xl) 0;
    }
    
    .security-header {
        margin-bottom: var(--spacing-lg);
    }
    
    .security-badge {
        padding: 5px 14px;
    }
    
    .security-badge-icon {
        width: 16px;
        height: 16px;
    }
    
    .security-badge span {
        font-size: 12px;
    }
    
    .security-grid {
        grid-template-columns: 1fr;
        gap: 10px;
    }
    
    .security-card {
        padding: var(--spacing-md);
        display: flex;
        align-items: center;
        text-align: left;
        gap: var(--spacing-md);
    }
    
    .security-icon-wrapper {
        width: 52px;
        height: 52px;
        min-width: 52px;
        margin: 0;
    }
    
    .security-icon {
        width: 26px;
        height: 26px;
    }
    
    .security-title {
        font-size: 15px;
        margin-bottom: 2px;
    }
    
    .security-description {
        font-size: 13px;
        line-height: 1.5;
    }
    
    .security-badge-small {
        display: none;
    }
    
    /* Rates & Fees Section */
    .rates-fees {
        padding: var(--spacing-xl) 0;
    }

    .rates-fees-header {
        margin-bottom: var(--spacing-lg);
    }

    .rates-fees-badge {
        padding: 5px 14px;
    }

    .rates-fees-badge-icon {
        width: 16px;
        height: 16px;
    }

    .rates-fees-badge span {
        font-size: 12px;
    }

    .rates-fees-intro {
        padding: var(--spacing-lg);
    }

    /* Testimonials Section */
    .testimonials {
        padding: var(--spacing-xl) 0;
    }
    
    .testimonials-header {
        margin-bottom: var(--spacing-lg);
    }
    
    .testimonials-badge {
        padding: 5px 14px;
    }
    
    .testimonials-badge-icon {
        width: 14px;
        height: 14px;
    }
    
    .testimonials-badge span {
        font-size: 12px;
    }
    
    .testimonials-grid {
        grid-template-columns: 1fr;
        gap: var(--spacing-sm);
    }
    
    .testimonial-card {
        padding: var(--spacing-md);
    }
    
    .testimonial-rating {
        gap: 2px;
        margin-bottom: 10px;
    }
    
    .star {
        width: 14px;
        height: 14px;
    }
    
    .testimonial-text {
        font-size: 13px;
        line-height: 1.5;
    }
    
    .testimonial-author {
        gap: 10px;
        margin-top: 10px;
        padding-top: 10px;
    }
    
    .author-avatar {
        width: 36px;
        height: 36px;
        font-size: 12px;
    }
    
    .avatar-icon {
        width: 20px;
        height: 20px;
    }
    
    .author-name {
        font-size: 13px;
    }
    
    .author-location {
        font-size: 11px;
    }
    
    /* FAQ Section */
    .faq {
        padding: var(--spacing-xl) 0;
    }
    
    .faq-header {
        margin-bottom: var(--spacing-lg);
    }
    
    .faq-badge {
        padding: 5px 14px;
    }
    
    .faq-badge-icon {
        width: 16px;
        height: 16px;
    }
    
    .faq-badge span {
        font-size: 12px;
    }
    
    .faq-item {
        margin-bottom: 10px;
    }
    
    .faq-question {
        padding: 14px 16px;
        font-size: 15px;
    }
    
    .faq-icon {
        width: 20px;
        height: 20px;
        margin-left: 12px;
    }
    
    .faq-item.active .faq-answer {
        padding: 0 16px 14px;
    }
    
    .faq-answer p {
        font-size: 13px;
    }
    
    /* Final CTA Section */
    .final-cta {
        padding: var(--spacing-xl) 0;
    }
    
    .final-cta-icon {
        width: 50px;
        height: 50px;
        margin-bottom: 12px;
    }
    
    .final-cta-icon svg {
        width: 28px;
        height: 28px;
    }
    
    .final-cta-title {
        font-size: 24px;
        line-height: 1.2;
        margin-bottom: 8px;
    }
    
    .final-cta-subtitle {
        font-size: 14px;
        margin-bottom: var(--spacing-md);
    }
    
    .cta-button-large {
        width: 100%;
        padding: 14px 28px;
        font-size: 15px;
    }
    
    .final-cta-trust {
        display: none;
    }
    
    /* Footer */
    .footer-content {
        grid-template-columns: 1fr;
    }
    
    .footer-links {
        grid-template-columns: 1fr;
    }
    
    .footer-disclosures {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }
    
    .disclosure-title {
        font-size: 13px;
    }
    
    .disclosure-text {
        font-size: 11px;
    }
    
    /* Mobile Sticky CTA */
    .mobile-sticky-cta {
        display: block;
    }
    
    /* Add padding to body to account for sticky CTA */
    body {
        padding-bottom: 80px;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 12px;
    }
    
    /* Sub Header */
    .sub-header {
        padding: 8px 0;
    }
    
    .sub-header-content {
        gap: 20px;
    }
    
    .sub-header-item {
        font-size: 11px;
        gap: 6px;
    }
    
    .sub-header-icon {
        width: 14px;
        height: 14px;
    }
    
    /* Header */
    .logo-text {
        font-size: 20px;
    }
    
    .header-cta-button {
        padding: 9px 18px;
        font-size: 13px;
    }
    
    /* Hero */
    .hero {
        padding: 28px 0 0 0;
        overflow-x: hidden;
    }
    
    .hero-trust-badge {
        font-size: 11.5px;
        padding: 5px 12px 5px 10px;
        margin-bottom: 18px;
        gap: 6px;
    }
    
    .trust-badge-icon {
        width: 14px;
        height: 14px;
    }
    
    .hero-title {
        font-size: 38px;
        line-height: 1.08;
        margin-bottom: 14px;
        letter-spacing: -0.6px;
    }

    .hero-title-line {
        font-size: 38px;
    }
    
    .hero-title-highlight {
        font-size: 48px;
        letter-spacing: -0.8px;
    }
    
    .hero-title-line-inline {
        font-size: 36px;
        display: block;
        margin-top: 2px;
        letter-spacing: -0.6px;
    }
    
    .hero-subtitle {
        font-size: 17px;
        margin-bottom: 20px;
        line-height: 1.55;
    }
    
    .hero-features {
        gap: 10px;
        margin-bottom: 24px;
    }

    .feature-item {
        gap: 9px;
    }
    
    .feature-icon-wrapper {
        width: 28px;
        height: 28px;
        min-width: 28px;
    }
    
    .feature-icon {
        width: 13px;
        height: 13px;
    }
    
    .feature-text {
        font-size: 12.5px;
        font-weight: 400;
        white-space: normal;
    }
    
    .hero-form {
        width: calc(100% + 24px);
        margin-left: -12px;
        margin-right: -12px;
        margin-bottom: 0;
        padding-bottom: 0;
        overflow: hidden;
    }

    .hero-grid {
        overflow-x: hidden;
        width: 100%;
    }

    .cta-button-hero {
        padding: 13px 24px;
        font-size: 14px;
    }
    
    .cta-subtext {
        font-size: 11px;
    }
    
    .loader-logo-text {
        font-size: 22px;
    }
    
    .loader-logo {
        margin-bottom: 16px;
    }
    
    .loader-title {
        font-size: 15px;
    }
    
    .loader-icon-wrapper {
        width: 70px;
        height: 70px;
    }
    
    .loader-document-icon {
        width: 35px;
        height: 35px;
    }
    
    /* Sections */
    .section-title {
        font-size: 26px;
    }
    
    .final-cta-title {
        font-size: 26px;
    }
    
    .cta-button-large {
        padding: 16px 32px;
        font-size: 16px;
    }
    
    /* How It Works - Extra Small Screens */
    .how-it-works {
        padding: 40px 0 var(--spacing-xl);
        margin-top: 0;
    }
    
    .how-it-works-header {
        margin-bottom: 10px;
    }
    
    .steps-grid {
        gap: 36px;
    }
    
    .steps-grid::before {
        top: 50px;
        bottom: 50px;
    }
    
    .step-card-inner {
        padding: var(--spacing-lg) var(--spacing-md);
        border-radius: var(--radius-md);
        box-shadow: 0 6px 20px rgba(0, 0, 0, 0.08);
    }
    
    .step-number-badge {
        width: 48px;
        height: 48px;
        top: -12px;
        left: 50%;
        transform: translateX(-50%);
    }
    
    .step-number {
        font-size: 20px;
    }
    
    .step-icon-wrapper {
        width: 80px;
        height: 80px;
        margin: var(--spacing-md) auto var(--spacing-sm);
    }
    
    .step-icon {
        width: 40px;
        height: 40px;
    }
    
    .step-title {
        font-size: 18px;
        margin-bottom: 8px;
        min-height: auto;
    }
    
    .step-description {
        font-size: 14px;
        line-height: 1.5;
    }
    
    .step-features {
        gap: 8px;
        margin-top: var(--spacing-sm);
        padding-top: var(--spacing-sm);
    }
    
    .step-feature-item {
        font-size: 12px;
        justify-content: center;
    }
    
    .step-check {
        width: 14px;
        height: 14px;
    }
    
    .how-it-works-cta {
        margin-top: var(--spacing-xl);
    }
    
    .how-it-works-cta .cta-button {
        padding: 15px 28px;
        font-size: 15px;
    }
    
    .how-it-works-cta-note {
        font-size: 12px;
        margin-top: var(--spacing-sm);
    }
    
    /* Eligibility Criteria - Extra Small Screens */
    .eligibility-criteria {
        padding: var(--spacing-lg) 0;
    }
    
    .eligibility-header {
        margin-bottom: var(--spacing-md);
    }
    
    .eligibility-tagline {
        font-size: 11px;
        padding: 4px 10px;
    }
    
    .eligibility-grid {
        gap: 10px;
    }
    
    .eligibility-card {
        padding: 12px;
        gap: 12px;
    }
    
    .eligibility-number {
        width: 32px;
        height: 32px;
        min-width: 32px;
        font-size: 14px;
    }
    
    .eligibility-icon {
        width: 36px;
        height: 36px;
        min-width: 36px;
    }
    
    .eligibility-title {
        font-size: 14px;
        margin-bottom: 2px;
    }
    
    .eligibility-description {
        font-size: 12px;
        line-height: 1.4;
    }
    
    /* Loan Types - Extra Small Screens */
    .loan-types {
        padding: var(--spacing-xl) 0;
    }
    
    .loan-types-header {
        margin-bottom: var(--spacing-lg);
    }
    
    .loan-grid {
        gap: var(--spacing-sm);
    }
    
    .loan-card {
        padding: var(--spacing-md);
    }
    
    .loan-icon-wrapper {
        width: 52px;
        height: 52px;
    }
    
    .loan-icon {
        width: 26px;
        height: 26px;
    }
    
    .loan-title {
        font-size: 18px;
    }
    
    .loan-description {
        font-size: 13px;
    }
    
    .loan-amount {
        padding: 8px 10px;
        margin-bottom: var(--spacing-sm);
    }
    
    .amount-label {
        font-size: 10px;
    }
    
    .amount-value {
        font-size: 15px;
    }
    
    .loan-features {
        gap: 8px;
    }
    
    .loan-features li {
        font-size: 12px;
    }
    
    .feature-check {
        width: 16px;
        height: 16px;
    }
    
    /* Trust & Security - Extra Small Screens */
    .trust-security {
        padding: var(--spacing-lg) 0;
    }
    
    .security-header {
        margin-bottom: var(--spacing-md);
    }
    
    .security-badge {
        padding: 4px 12px;
    }
    
    .security-badge-icon {
        width: 14px;
        height: 14px;
    }
    
    .security-badge span {
        font-size: 11px;
    }
    
    .security-grid {
        gap: 8px;
    }
    
    .security-card {
        padding: 12px;
        gap: 12px;
    }
    
    .security-icon-wrapper {
        width: 48px;
        height: 48px;
        min-width: 48px;
    }
    
    .security-icon {
        width: 24px;
        height: 24px;
    }
    
    .security-title {
        font-size: 14px;
        margin-bottom: 2px;
    }
    
    .security-description {
        font-size: 12px;
        line-height: 1.4;
    }
    
    /* Rates & Fees - Extra Small Screens */
    .rates-fees {
        padding: var(--spacing-lg) 0;
    }

    .rates-fees-header {
        margin-bottom: var(--spacing-md);
    }

    .rates-fees-badge {
        padding: 4px 12px;
    }

    .rates-fees-badge-icon {
        width: 14px;
        height: 14px;
    }

    .rates-fees-badge span {
        font-size: 11px;
    }

    .rates-fees-intro {
        padding: var(--spacing-md);
    }

    .rates-table thead th,
    .rates-table tbody td {
        padding: 11px 12px;
        font-size: 13px;
    }

    /* Testimonials - Extra Small Screens */
    .testimonials {
        padding: var(--spacing-lg) 0;
    }
    
    .testimonials-header {
        margin-bottom: var(--spacing-md);
    }
    
    .testimonials-badge {
        padding: 4px 12px;
    }
    
    .testimonials-badge-icon {
        width: 13px;
        height: 13px;
    }
    
    .testimonials-badge span {
        font-size: 11px;
    }
    
    .testimonials-grid {
        gap: 10px;
    }
    
    .testimonial-card {
        padding: 12px;
    }
    
    .testimonial-rating {
        gap: 2px;
        margin-bottom: 8px;
    }
    
    .star {
        width: 13px;
        height: 13px;
    }
    
    .testimonial-text {
        font-size: 12px;
        line-height: 1.5;
    }
    
    .testimonial-author {
        gap: 8px;
        margin-top: 8px;
        padding-top: 8px;
    }
    
    .author-avatar {
        width: 32px;
        height: 32px;
        font-size: 11px;
    }
    
    .avatar-icon {
        width: 18px;
        height: 18px;
    }
    
    .author-name {
        font-size: 12px;
    }
    
    .author-location {
        font-size: 10px;
    }
    
    /* FAQ - Extra Small Screens */
    .faq {
        padding: var(--spacing-lg) 0;
    }
    
    .faq-header {
        margin-bottom: var(--spacing-md);
    }
    
    .faq-badge {
        padding: 4px 12px;
    }
    
    .faq-badge-icon {
        width: 14px;
        height: 14px;
    }
    
    .faq-badge span {
        font-size: 11px;
    }
    
    .faq-item {
        margin-bottom: 8px;
    }
    
    .faq-question {
        padding: 12px 14px;
        font-size: 14px;
    }
    
    .faq-icon {
        width: 18px;
        height: 18px;
        margin-left: 10px;
    }
    
    .faq-item.active .faq-answer {
        padding: 0 14px 12px;
    }
    
    .faq-answer p {
        font-size: 12px;
        line-height: 1.6;
    }
    
    .step-card,
    .loan-card,
    .security-card,
    .testimonial-card {
        padding: var(--spacing-md);
    }
    
    .disclosure-title {
        font-size: 12px;
    }
    
    .disclosure-text {
        font-size: 10px;
        line-height: 1.6;
    }
    
    /* Footer - Mobile */
    .footer {
        padding: var(--spacing-xl) 0 var(--spacing-md);
    }
    
    .footer-content {
        gap: var(--spacing-sm);
        margin-bottom: var(--spacing-md);
    }
    
    .footer-brand .logo-text {
        font-size: 18px;
        margin-bottom: 8px;
    }
    
    .footer-description {
        font-size: 12px;
        line-height: 1.6;
    }
    
    .footer-policy-links {
        gap: 8px;
        font-size: 12px;
    }
    
    .footer-policy-link {
        font-size: 12px;
    }
    
    .footer-separator {
        font-size: 12px;
    }
}

/* ===========================
   Animations
   =========================== */

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.hero-content,
.hero-form {
    animation: fadeInUp 0.6s ease-out;
}

/* ===========================
   Utility Classes
   =========================== */

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

.mt-lg {
    margin-top: var(--spacing-lg);
}

.mb-lg {
    margin-bottom: var(--spacing-lg);
}

/* ===========================
   Extra Small Screens (≤480px)
   =========================== */
@media (max-width: 480px) {
    .iframe-loader {
        height: 620px;
    }
    .how-it-works {
        padding-top: 40px;
        margin-top: 0;
    }
}

/* ===========================
   Tiny Screens (≤375px — iPhone SE, iPhone 5)
   =========================== */
@media (max-width: 375px) {
    .iframe-loader {
        height: 660px;
    }
    .how-it-works {
        padding-top: 40px;
        margin-top: 0;
    }
    .hero-form {
        margin-bottom: 0;
        padding-bottom: 0;
    }
    .hero-trust-badge {
        font-size: 10.5px;
        padding: 4px 10px 4px 8px;
        gap: 5px;
        margin-bottom: 14px;
    }
    .trust-badge-icon {
        width: 12px;
        height: 12px;
    }
    .trust-badge-number {
        font-size: 12px;
    }
}

/* ===========================
   iPhone 5 / very small (≤320px)
   =========================== */
@media (max-width: 320px) {
    .iframe-loader {
        height: 700px;
    }
    .how-it-works {
        padding-top: 40px;
        margin-top: 0;
    }
    .hero-form {
        margin-bottom: 0;
        padding-bottom: 0;
    }
    .hero-trust-badge {
        font-size: 9.5px;
        padding: 4px 8px 4px 7px;
        gap: 4px;
        margin-bottom: 12px;
    }
    .trust-badge-icon {
        width: 11px;
        height: 11px;
    }
    .trust-badge-number {
        font-size: 11px;
    }
}