/* ===== Reset & Base ===== */
* { margin: 0; padding: 0; box-sizing: border-box; }
body {
  font-family: 'Inter', Arial, sans-serif;
  background: #ffffff;
  color: #222;
  line-height: 1.7;
}
.container { width: 92%; max-width: 1100px; margin: auto; }
.slightly-narrow { max-width: 580px; margin: auto; }
.section-title {
  font-family: 'Montserrat', serif;
  font-size: 2rem;
  color: #000000;
  font-weight: 700;
  margin-bottom: 0.7rem;
  text-align: center;
}
.section-desc {
  font-size: 1.08rem;
  font-family: 'Inter', Arial, sans-serif;
  color: #444;
  font-weight: 400;
  margin-bottom: 1.5rem;
  text-align: center;
}
.base-list {
  list-style: none;
  padding: 0;
  margin: 2rem auto 0 auto;
  max-width: 520px;
}
.base-list li {
  display: flex;
  align-items: center;
  font-size: 1.08rem;
  font-family: 'Inter', Arial, sans-serif;
  color: #222;
  font-weight: 500;
  margin-bottom: 1.1rem;
  border-bottom: 1px solid #ececec;
  padding-bottom: 0.7rem;
}
.loan-icon, .step-title {
  margin-right: 0.8rem;
  flex-shrink: 0;
}
.step-title {
  font-family: 'Montserrat', serif;
  font-weight: 600;
  color: #000000;
  min-width: 120px;
  display: inline-block;
}

/* ===== Header Navigation ===== */
.main-nav {
  background: #142846;
  border-bottom: 3px solid #bfae6a;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
  padding: 0.5rem 0;
  position: relative;
  z-index: 10;
}
.nav-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-family: 'Montserrat', serif;
  font-weight: 700;
  color: #fff;
  font-size: 1.2rem;
  letter-spacing: 1px;
}
.nav-links {
  list-style: none;
  display: flex;
  gap: 2rem;
}
.nav-links li { display: inline-block; }
.nav-links a {
  color: #fff;
  font-family: 'Inter', 'Montserrat', serif;
  font-weight: 500;
  font-size: 1rem;
  text-decoration: none;
  padding: 6px 14px;
  border-radius: 4px;
  transition: background 0.2s, color 0.2s;
}
.nav-links a.active,
.nav-links a:hover {
  background: #bfae6a;
  color: #142846;
}

/* Hamburger for mobile */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  width: 38px;
  height: 38px;
  background: none;
  border: none;
  cursor: pointer;
  margin-left: 1rem;
}
.nav-toggle span {
  display: block;
  width: 26px;
  height: 3px;
  background: #bfae6a;
  margin: 4px 0;
  border-radius: 2px;
  transition: 0.3s;
}
.nav-toggle.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.nav-toggle.open span:nth-child(2) {
  opacity: 0;
}
.nav-toggle.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile menu */
.mobile-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  background: #142846;
  border-bottom: 3px solid #bfae6a;
  box-shadow: 0 2px 8px rgba(0,0,0,0.08);
  z-index: 99;
}
.mobile-menu ul {
  list-style: none;
  margin: 0;
  padding: 0.5rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.mobile-menu li { text-align: center; }
.mobile-menu a {
  color: #fff;
  font-family: 'Inter', 'Montserrat', serif;
  font-weight: 500;
  font-size: 1.1rem;
  text-decoration: none;
  padding: 12px 0;
  display: block;
  border-radius: 4px;
  transition: background 0.2s, color 0.2s;
}
.mobile-menu a.active,
.mobile-menu a:hover {
  background: #bfae6a;
  color: #142846;
}
.mobile-menu.open { display: block; }

/* ===== Hero Section ===== */
.hero {
  background: url('../images/building-bg.jpg') center/cover no-repeat;
  min-height: 420px;
  display: flex;
  align-items: stretch;
  justify-content: center;
}
.hero-overlay {
  background: rgba(19, 23, 43, 0.78);
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem;
}
.hero-content {
  max-width: 700px;
  margin: auto;
  text-align: center;
  padding: 3rem 1rem;
}
.hero h1 {
  margin-bottom: 1.2rem;
  font-size: 2.2rem;
  font-family: 'Montserrat', serif;
  color: #fff;
  font-weight: 700;
  letter-spacing: 1px;
}
.hero h2 {
  font-size: 1.2rem;
  color: #bfae6a;
  font-family: 'Montserrat', serif;
  margin-bottom: 0.5rem;
  font-weight: 600;
}
.hero-sub {
  color: #bfae6a;
  font-size: 1.05rem;
  margin-bottom: 2rem;
  font-family: 'Inter', 'Montserrat', serif;
  font-weight: 500;
}
.btn {
  display: inline-block;
  padding: 0.85rem 2.2rem;
  margin-top: 1.2rem;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 600;
  font-size: 1.1rem;
  border: none;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0,0,0,0.10);
  transition: background 0.3s, transform 0.2s;
}
.gold-btn {
  background: #bfae6a;
  color: #fff;
  border: 1px solid #bfae6a;
}
.gold-btn:hover {
  background: #a89a54;
  color: #fff;
  transform: translateY(-2px) scale(1.03);
}

/* ===== Features Row ===== */
.features-row {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin: 2.5rem 0 2.5rem 0;
  width: 100%;
}
.features-header {
  text-align: center;
  margin-bottom: 1.2rem;
}
.features-icons {
  display: flex;
  flex-direction: row;
  gap: 2rem;
  justify-content: center;
  align-items: center;
  width: 100%;
  flex-wrap: nowrap;
}
.feature {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 70px;
  text-align: center;
  flex: 1 1 0;
}
.feature-icon {
  margin-bottom: 0.3rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.feature-title {
  font-family: 'Inter', 'Montserrat', serif;
  font-weight: 500;
  color: #000000;
  font-size: 1rem;
  margin-top: 0.1rem;
  
}

/* ===== About Us ===== */
.about-section {
  margin: 2.5rem 0 2rem 0;
  text-align: center;
}
.about-section p {
  color: #222;
  font-size: 1.08rem;
  font-family: 'Inter', Arial, sans-serif;
  font-weight: 500;
  margin-top: 1rem;
  line-height: 1.7;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
}

/* ===== Form Section ===== */
.form-section {
  margin: 2.5rem 0 2rem 0;
  text-align: center;
}
.form-card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 16px rgba(191,174,106,0.09);
  padding: 2rem 2rem 1.5rem 2rem;
  max-width: 420px;
  margin: 2rem auto 0 auto;
  border: 1px solid #ececec;
}
.contact-form {
  display: flex;
  flex-direction: column;
  gap: 0.7rem;
}
.contact-form input,
.contact-form button {
  padding: 0.85rem;
  border: none;
  border-radius: 5px;
  font-size: 1rem;
  outline: none;
}
.contact-form input {
  background: #ffffff;
  color: #222;
  margin-bottom: 0.2rem;
  border: 1px solid #e0e0e0;
  transition: border 0.2s;
  font-family: 'Inter', Arial, sans-serif;
  font-weight: 500;
}
.contact-form input:focus {
  border: 1.5px solid #bfae6a;
}
.contact-form textarea {
  padding: 0.85rem;
  border: 1px solid #e0e0e0;
  border-radius: 5px;
  font-size: 1rem;
  font-family: 'Inter', Arial, sans-serif;
  font-weight: 500;
  background: #ffffff;
  color: #222;
  margin-bottom: 0.2rem;
  transition: border 0.2s;
  resize: vertical;
}
.contact-form textarea:focus {
  border: 1.5px solid #bfae6a;
  outline: none;
}
.contact-form button {
  background: #bfae6a;
  color: #fff;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.3s, transform 0.2s;
  font-family: 'Montserrat', serif;
}
.contact-form button:hover {
  background: #a89a54;
  transform: translateY(-1px) scale(1.02);
}

/* ===== Footer ===== */
footer {
  background: #142846;
  color: #ccc;
  padding: 2rem 0 1.2rem 0;
  margin-top: 2rem;
  border-radius: 18px 18px 0 0;
  box-shadow: 0 -2px 12px rgba(0,0,0,0.09);
  border-top: 3px solid #bfae6a;
}
.footer-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: flex-start;
  padding-bottom: 0.7rem;
  border-bottom: 1px solid #bfae6a;
  max-width: 580px;
  margin: auto;
}
.footer-col {
  min-width: 180px;
}
.footer-contact ul,
.footer-links ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-contact ul li,
.footer-links ul li {
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  font-size: 1rem;
  gap: 0.7rem;
}
.footer-contact a {
  color: #fff;
  text-decoration: none;
  transition: color 0.2s;
  word-break: break-all;
  font-family: 'Inter', Arial, sans-serif;
}
.footer-contact a:hover {
  color: #bfae6a;
  text-decoration: underline;
}
.footer-links a {
  color: #fff;
  text-decoration: none;
  transition: color 0.2s;
  padding-left: 2px;
  font-weight: 500;
  font-family: 'Inter', 'Montserrat', serif;
}
.footer-links a.active,
.footer-links a:hover {
  color: #bfae6a;
  text-decoration: underline;
}
.footer-bottom {
  text-align: center;
  padding-top: 1rem;
  font-size: 0.97rem;
  color: #bfae6a;
  max-width: 580px;
  margin: auto;
}
.footer-bottom hr {
  border: none;
  border-top: 1px solid #bfae6a;
  margin-bottom: 1rem;
}

/* ===== Responsive Design ===== */
@media (max-width: 900px) {
  .footer-container {
    grid-template-columns: 1fr;
    gap: 2rem;
    text-align: center;
  }
  .footer-col { margin: 0 auto; }
  .base-list { max-width: 98vw; }
}
@media (max-width: 768px) {
  .container, .slightly-narrow { width: 98%; max-width: 98vw; }
  .features-row { margin-bottom: 1.5rem; }
  .features-icons { gap: 1rem; }
  .feature { min-width: 60px; }
  
  .form-card { padding: 1rem 0.7rem; }
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
}
@media (max-width: 600px) {
  
}
@media (max-width: 480px) {
  .nav-logo { font-size: 1rem; }
  .btn { padding: 0.6rem 1.2rem; font-size: 0.9rem; }
  .hero h1 { font-size: 1.3rem; }
  .hero h2 { font-size: 0.95rem; }
  .footer-col h3 { font-size: 1.05rem; }
  
}