@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');

:root {
    --navy:        #0a1628;
    --navy-mid:    #112240;
    --navy-light:  #1a3a6e;
    --gold:        #f0b429;
    --gold-dark:   #c98a00;
    --btn-blue:    #1d4ed8;
    --btn-hover:   #1e40af;
    --text-dark:   #0f172a;
    --text-light:  #64748b;
    --bg-gray:     #f8fafc;
    --white:       #ffffff;
    --footer-bg:   #060e1e;
}

* { margin: 0; padding: 0; box-sizing: border-box; font-family: 'Plus Jakarta Sans', sans-serif; }
body { background-color: var(--bg-gray); color: var(--text-dark); overflow-x: hidden; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.gray-text { color: var(--text-light); line-height: 1.7; }

/* ── SCROLL REVEAL ── */
.reveal { transform: translateY(60px); opacity: 0; transition: all 0.8s ease-out; }
.reveal.active { transform: translateY(0); opacity: 1; }

/* ── NAVBAR ── */
.navbar {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 18px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 4px 24px rgba(0,0,0,0.25);
    border-bottom: 2px solid rgba(240,180,41,0.2);
}
.nav-container { display: flex; justify-content: space-between; align-items: center; max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon { width: 38px; height: 38px; background: linear-gradient(135deg, var(--gold), var(--gold-dark)); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 18px; font-weight: 800; color: var(--navy); flex-shrink: 0; }
.logo h2 { color: white; font-size: 22px; font-weight: 800; letter-spacing: -0.5px; }
.text-gold { color: var(--gold); }

.nav-links { list-style: none; display: flex; gap: 28px; align-items: center; }
.nav-links a { text-decoration: none; color: rgba(255,255,255,0.85); font-weight: 500; font-size: 14px; transition: 0.3s; }
.nav-links a:hover, .nav-links a.active { color: var(--gold); }

.dropdown { position: relative; cursor: pointer; }
.dropbtn { padding: 10px 0; }
.drop-icon::after { content: '+'; font-size: 13px; margin-left: 5px; font-weight: 700; }
.dropdown:hover .drop-icon::after { content: '-'; color: var(--gold); }
.dropdown::after { content: ''; position: absolute; top: 100%; left: 0; width: 100%; height: 20px; }
.dropdown-content {
    display: none;
    position: absolute;
    background: var(--navy-mid);
    min-width: 220px;
    box-shadow: 0 15px 40px rgba(0,0,0,0.4);
    z-index: 1005;
    top: 100%;
    left: 0;
    padding: 12px 0;
    border-radius: 12px;
    margin-top: 15px;
    border: 1px solid rgba(240,180,41,0.15);
}
.dropdown:hover .dropdown-content { display: block; animation: slideDown 0.2s ease-out forwards; }
@keyframes slideDown { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
.dropdown-content a { color: rgba(255,255,255,0.85); padding: 11px 22px; text-decoration: none; display: block; font-size: 14px; font-weight: 500; transition: 0.3s; }
.dropdown-content a:hover { color: var(--gold); padding-left: 28px; background: rgba(255,255,255,0.04); }

.nav-btn {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
    color: var(--navy) !important;
    text-decoration: none;
    padding: 11px 26px;
    border-radius: 30px;
    font-weight: 700;
    font-size: 14px;
    transition: 0.3s;
    border: none;
    cursor: pointer;
    display: inline-block;
    box-shadow: 0 4px 15px rgba(240,180,41,0.35);
}
.nav-btn:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(240,180,41,0.5); }

/* ── HERO SECTION ── */
.hero-section {
    background: var(--navy);
    background-image:
        radial-gradient(ellipse at 20% 50%, rgba(29,78,216,0.35) 0%, transparent 60%),
        radial-gradient(ellipse at 80% 20%, rgba(240,180,41,0.12) 0%, transparent 50%),
        url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' stroke='%23f0b429' stroke-width='0.5' stroke-opacity='0.06'%3E%3Crect x='10' y='10' width='60' height='60' rx='5'/%3E%3Ccircle cx='40' cy='40' r='20'/%3E%3C/g%3E%3C/svg%3E");
    background-size: 100% 100%, 100% 100%, 80px 80px;
    text-align: center;
    padding: 70px 20px 200px 20px;
    position: relative;
    overflow: hidden;
}
.hero-section::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle at center, rgba(29,78,216,0.08) 0%, transparent 60%);
    pointer-events: none;
}

/* ── PAGE BANNER ── */
.page-banner {
    background: var(--navy);
    background-image:
        radial-gradient(ellipse at top center, rgba(29,78,216,0.3) 0%, transparent 70%),
        radial-gradient(ellipse at bottom right, rgba(240,180,41,0.08) 0%, transparent 60%),
        url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' stroke='%23f0b429' stroke-width='0.5' stroke-opacity='0.06'%3E%3Crect x='10' y='10' width='60' height='60' rx='5'/%3E%3Ccircle cx='40' cy='40' r='20'/%3E%3C/g%3E%3C/svg%3E");
    background-size: 100% 100%, 100% 100%, 80px 80px;
    padding: 60px 20px 100px 20px;
    text-align: left;
    position: relative;
    overflow: hidden;
}

/* ── HERO TEXT ── */
.subtitle { color: var(--gold); font-size: 16px; font-weight: 600; margin-bottom: 20px; display: flex; align-items: center; justify-content: center; gap: 8px; }
.hero-badge { background: rgba(240,180,41,0.12); border: 1px solid rgba(240,180,41,0.3); color: var(--gold); padding: 6px 16px; border-radius: 30px; font-size: 13px; font-weight: 600; display: inline-flex; align-items: center; gap: 6px; margin-bottom: 24px; }
.hero-section h1 { font-size: 56px; font-weight: 800; color: white; line-height: 1.1; margin-bottom: 24px; letter-spacing: -1px; }
.hero-section h1 span { color: var(--gold); }
.description { font-size: 17px; color: rgba(255,255,255,0.7); line-height: 1.7; max-width: 650px; margin: 0 auto 35px auto; }
.hero-btns { display: flex; gap: 15px; justify-content: center; flex-wrap: wrap; }
.btn-outline { background: transparent; border: 2px solid rgba(255,255,255,0.3); color: white; text-decoration: none; padding: 13px 28px; border-radius: 30px; font-weight: 600; font-size: 15px; transition: 0.3s; display: inline-flex; align-items: center; gap: 8px; }
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }
.hero-stats { display: flex; gap: 40px; justify-content: center; margin-top: 50px; flex-wrap: wrap; }
.hero-stat { text-align: center; }
.hero-stat h3 { font-size: 32px; font-weight: 800; color: var(--gold); }
.hero-stat p { font-size: 13px; color: rgba(255,255,255,0.6); margin-top: 4px; }

.banner-content h1 { font-size: 46px; color: white; margin-bottom: 12px; font-weight: 800; letter-spacing: -0.5px; }
.banner-content p { color: rgba(255,255,255,0.7); font-size: 15px; }
.banner-content a { color: rgba(255,255,255,0.7); text-decoration: none; transition: 0.3s; }
.banner-content a:hover { color: var(--gold); }
.banner-content span.text-gold { color: var(--gold); }

/* ── LOAN CATEGORY CARDS ── */
.loan-categories { position: relative; z-index: 10; margin-top: -120px; padding-bottom: 20px; }
.cards-container { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }
.category-card {
    background: white;
    border-radius: 16px;
    padding: 28px 18px;
    width: 200px;
    text-align: center;
    text-decoration: none;
    box-shadow: 0 8px 30px rgba(0,0,0,0.08);
    transition: 0.3s;
    display: block;
    position: relative;
    border: 2px solid transparent;
}
.category-card:hover { transform: translateY(-8px); box-shadow: 0 20px 40px rgba(10,22,40,0.15); border-color: var(--gold); }
.personal-card { margin-top: 40px; }
.icon-img { font-size: 44px; margin-bottom: 14px; }
.category-card h3 { color: var(--text-dark); font-size: 16px; font-weight: 700; }
.category-card:hover h3 { color: var(--btn-blue); }

/* ── SECTION LABELS ── */
.section-subtitle { color: var(--btn-blue); font-size: 15px; font-weight: 700; margin-bottom: 14px; display: flex; align-items: center; gap: 8px; text-transform: uppercase; letter-spacing: 0.5px; }
.section-badge { background: rgba(29,78,216,0.08); border: 1px solid rgba(29,78,216,0.2); color: var(--btn-blue); padding: 5px 14px; border-radius: 20px; font-size: 12px; font-weight: 700; display: inline-block; margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.5px; }

/* ── SPLIT LAYOUT ── */
.split-layout { display: flex; align-items: center; justify-content: space-between; gap: 60px; flex-wrap: wrap; padding: 80px 0; }
.split-text, .split-image { flex: 1; min-width: 300px; }
.align-start { align-items: flex-start; }
.align-center { align-items: center; }
.split-text h2 { font-size: 38px; font-weight: 800; line-height: 1.2; margin-bottom: 20px; letter-spacing: -0.5px; }

/* ── PROGRESS CIRCLES ── */
.progress-circles { display: flex; gap: 30px; margin-top: 30px; flex-wrap: wrap; }
.circle { text-align: center; }
.circle-inner { width: 90px; height: 90px; border-radius: 50%; border: 6px solid var(--btn-blue); border-top-color: rgba(29,78,216,0.15); display: flex; align-items: center; justify-content: center; font-size: 20px; font-weight: 800; margin: 0 auto 10px auto; color: var(--text-dark); }
.circle p { font-size: 13px; font-weight: 600; color: var(--text-light); }

/* ── FEATURE CHIPS ── */
.feature-list { list-style: none; margin-bottom: 30px; display: flex; flex-direction: column; gap: 12px; }
.feature-list li { display: flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 500; }
.feature-list li i { color: var(--gold); font-size: 18px; flex-shrink: 0; }

/* ── COMPARISON SECTION ── */
.comparison-section { padding: 80px 0; background: var(--bg-gray); }
.compare-card {
    background: white;
    border-radius: 20px;
    padding: 28px 30px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.05);
    position: relative;
    flex-wrap: wrap;
    gap: 20px;
    transition: 0.3s;
    border: 2px solid transparent;
}
.compare-card:hover { transform: translateY(-4px); box-shadow: 0 15px 40px rgba(10,22,40,0.1); border-color: rgba(29,78,216,0.15); }
.compare-logo-box { text-align: center; flex: 1; min-width: 140px; border-right: 1px solid #f1f5f9; padding-right: 20px; }
.compare-logo-box h3 { font-size: 22px; font-weight: 800; margin-bottom: 6px; }
.stars { color: var(--gold); font-size: 18px; letter-spacing: 2px; }
.reviews { font-size: 12px; color: var(--text-light); }
.compare-price { flex: 2; padding: 0 20px; }
.from-text { font-size: 16px; color: var(--text-light); margin-bottom: 8px; }
.big-price { font-size: 38px; font-weight: 800; color: var(--text-dark); }
.small-desc { font-size: 12px; color: var(--text-light); line-height: 1.5; margin-top: 6px; }
.compare-stats { flex: 3; display: flex; gap: 12px; }
.stat-box { background: var(--bg-gray); padding: 14px 12px; border-radius: 12px; text-align: center; flex: 1; border: 1px solid #e2e8f0; }
.stat-box p { font-size: 11px; color: var(--text-light); margin-bottom: 5px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.3px; }
.stat-box h4 { font-size: 16px; font-weight: 800; color: var(--text-dark); }
.compare-action { flex: 1.5; text-align: right; display: flex; flex-direction: column; align-items: flex-end; gap: 10px; }
.best-badge { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: var(--navy); padding: 4px 14px; font-size: 11px; font-weight: 800; position: absolute; top: 0; right: 20px; border-radius: 0 0 8px 8px; text-transform: uppercase; letter-spacing: 0.5px; }
.compare-action p { font-size: 12px; font-weight: 600; color: var(--text-light); }

/* ── FAQ ACCORDION ── */
.faq-page-section { background: white; padding: 80px 0; }
.faq-header { text-align: center; margin-bottom: 50px; }
.faq-header h2 { font-size: 40px; font-weight: 800; color: var(--text-dark); margin-bottom: 16px; letter-spacing: -0.5px; }
.faq-header p { color: var(--text-light); max-width: 580px; margin: 0 auto; line-height: 1.7; }
.faq-accordion-container { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item { background: var(--bg-gray); border: 1.5px solid #e2e8f0; border-radius: 14px; overflow: hidden; transition: 0.3s; }
.faq-question { padding: 22px 24px; display: flex; justify-content: space-between; align-items: center; cursor: pointer; }
.faq-question h3 { font-size: 17px; font-weight: 600; color: var(--text-dark); margin: 0; }
.faq-icon { width: 36px; height: 36px; border-radius: 50%; background: var(--navy-mid); color: white; display: flex; align-items: center; justify-content: center; font-size: 18px; transition: 0.3s; flex-shrink: 0; }
.faq-answer { padding: 0 24px; max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.4s ease; color: var(--text-light); line-height: 1.7; font-size: 15px; }
.faq-item.active { background: white; border-color: var(--gold); box-shadow: 0 8px 24px rgba(10,22,40,0.08); }
.faq-item.active .faq-icon { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); color: var(--navy); }
.faq-item.active .faq-answer { padding: 0 24px 22px 24px; max-height: 500px; }

/* ── FORMS ── */
.login-section { background: var(--bg-gray); padding: 40px 0 80px 0; position: relative; z-index: 10; }
.login-form-box { background: white; padding: 44px; border-radius: 20px; box-shadow: 0 15px 50px rgba(10,22,40,0.1); flex: 1; width: 100%; max-width: 650px; border-top: 4px solid var(--gold); }
.login-form-box h2 { font-size: 30px; font-weight: 800; color: var(--text-dark); margin-bottom: 6px; letter-spacing: -0.3px; }
.login-form-box p { font-size: 15px; margin-bottom: 28px; color: var(--text-light); }
.form-row { display: flex; gap: 18px; flex-wrap: wrap; margin-bottom: 18px; }
.form-col { flex: 1; min-width: 200px; position: relative; }
.form-col label { display: block; font-weight: 600; margin-bottom: 7px; color: var(--text-dark); font-size: 13px; text-transform: uppercase; letter-spacing: 0.3px; }
.form-col input, .form-col textarea, .form-col select { width: 100%; padding: 13px 18px; border: 1.5px solid #e2e8f0; border-radius: 10px; outline: none; font-size: 15px; background: var(--bg-gray); transition: 0.3s; font-family: 'Plus Jakarta Sans', sans-serif; }
.form-col input:focus, .form-col textarea:focus, .form-col select:focus { border-color: var(--btn-blue); box-shadow: 0 0 0 3px rgba(29,78,216,0.1); background: white; }
.login-submit-btn { padding: 14px 32px; background: linear-gradient(135deg, var(--btn-blue), var(--btn-hover)); color: white; border: none; border-radius: 10px; font-size: 16px; font-weight: 700; cursor: pointer; transition: 0.3s; margin-top: 8px; display: inline-flex; align-items: center; gap: 8px; }
.login-submit-btn:hover { transform: translateY(-2px); box-shadow: 0 10px 30px rgba(29,78,216,0.3); }
.login-image { flex: 1; display: flex; justify-content: center; align-items: center; }
.login-image img { width: 100%; max-width: 500px; }

/* ── HOW IT WORKS ── */
.steps-section { padding: 80px 0; background: var(--bg-gray); }
.steps-grid { display: flex; gap: 24px; flex-wrap: wrap; justify-content: center; margin-top: 50px; }
.step-card { background: white; border-radius: 20px; padding: 36px 28px; flex: 1; min-width: 220px; max-width: 260px; text-align: center; box-shadow: 0 4px 20px rgba(0,0,0,0.06); position: relative; border-bottom: 4px solid transparent; transition: 0.3s; }
.step-card:hover { border-bottom-color: var(--gold); transform: translateY(-6px); }
.step-num { width: 52px; height: 52px; background: linear-gradient(135deg, var(--navy-light), var(--btn-blue)); border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 22px; font-weight: 800; color: white; margin: 0 auto 20px auto; }
.step-card h3 { font-size: 18px; font-weight: 700; margin-bottom: 10px; color: var(--text-dark); }
.step-card p { font-size: 14px; color: var(--text-light); line-height: 1.6; }

/* ── TESTIMONIALS ── */
.testimonial-card { background: white; padding: 28px; border-radius: 16px; box-shadow: 0 8px 24px rgba(0,0,0,0.06); flex: 1; min-width: 280px; max-width: 340px; margin-bottom: 20px; border-top: 3px solid var(--gold); transition: 0.3s; }
.testimonial-card:hover { transform: translateY(-5px); box-shadow: 0 16px 40px rgba(10,22,40,0.1); }
.testimonial-avatar { width: 44px; height: 44px; background: linear-gradient(135deg, var(--navy-light), var(--btn-blue)); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; font-size: 14px; }

/* ── FOOTER ── */
.main-footer {
    background: var(--footer-bg);
    background-image:
        radial-gradient(ellipse at top right, rgba(29,78,216,0.12) 0%, transparent 60%),
        url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' stroke='%23ffffff' stroke-width='0.5' stroke-opacity='0.03'%3E%3Crect x='10' y='10' width='60' height='60' rx='5'/%3E%3C/g%3E%3C/svg%3E");
    background-size: 100% 100%, 80px 80px;
    padding: 80px 0 0 0;
    color: white;
    width: 100%;
    position: relative;
}
.footer-grid { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 40px; padding-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.footer-col { flex: 1; min-width: 200px; }
.info-item { display: flex; gap: 14px; margin-bottom: 18px; align-items: flex-start; }
.info-icon { background: rgba(240,180,41,0.1); width: 38px; height: 38px; border-radius: 10px; display: flex; align-items: center; justify-content: center; color: var(--gold); font-size: 15px; flex-shrink: 0; border: 1px solid rgba(240,180,41,0.2); }
.info-item p { font-size: 14px; color: rgba(255,255,255,0.65); line-height: 1.6; margin-top: 6px; }
.footer-logo { display: flex; align-items: center; gap: 10px; margin-top: 28px; text-decoration: none; }
.footer-logo h2 { font-size: 22px; margin: 0; color: white; font-weight: 800; }
.footer-heading { font-size: 16px; font-weight: 700; margin-bottom: 22px; color: white; text-transform: uppercase; letter-spacing: 0.5px; position: relative; padding-bottom: 12px; }
.footer-heading::after { content: ''; position: absolute; bottom: 0; left: 0; width: 30px; height: 2px; background: var(--gold); border-radius: 2px; }
.nav-columns { display: flex; gap: 30px; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 11px; }
.footer-links a { color: rgba(255,255,255,0.6); text-decoration: none; transition: 0.3s; font-size: 14px; display: flex; align-items: center; gap: 6px; }
.footer-links a:hover { color: var(--gold); padding-left: 4px; }
.newsletter-form { display: flex; background: rgba(255,255,255,0.05); border-radius: 12px; padding: 5px; margin-bottom: 28px; border: 1px solid rgba(255,255,255,0.1); overflow: hidden; }
.newsletter-form input { flex: 1; background: transparent; border: none; padding: 10px 16px; color: white; outline: none; font-size: 14px; font-family: 'Plus Jakarta Sans', sans-serif; }
.newsletter-form input::placeholder { color: rgba(255,255,255,0.35); }
.newsletter-form button { background: linear-gradient(135deg, var(--gold), var(--gold-dark)); border: none; padding: 10px 18px; border-radius: 8px; color: var(--navy); font-size: 14px; cursor: pointer; transition: 0.3s; font-weight: 700; }
.newsletter-form button:hover { transform: scale(1.05); }
.social-section p { margin-bottom: 12px; font-weight: 600; color: rgba(255,255,255,0.7); font-size: 14px; }
.social-icons { display: flex; gap: 10px; }
.social-icons a { width: 36px; height: 36px; border-radius: 10px; border: 1px solid rgba(240,180,41,0.3); display: flex; align-items: center; justify-content: center; color: var(--gold); text-decoration: none; transition: 0.3s; }
.social-icons a:hover { background: var(--gold); color: var(--navy); }
.footer-bottom { display: flex; flex-direction: column; gap: 4px; padding: 24px 20px; }
.footer-bottom p { color: rgba(255,255,255,0.4); font-size: 13px; margin: 0; }
.footer-bottom h3 { font-size: 18px; font-weight: 700; color: rgba(255,255,255,0.8); margin: 0; }

/* ── BACK TO TOP ── */
.back-to-top { position: fixed; bottom: 28px; right: 28px; background: linear-gradient(135deg, var(--btn-blue), var(--navy-light)); color: white; width: 44px; height: 44px; border-radius: 12px; display: flex; justify-content: center; align-items: center; text-decoration: none; font-size: 18px; box-shadow: 0 8px 20px rgba(29,78,216,0.4); z-index: 999; transition: 0.3s; }
.back-to-top:hover { transform: translateY(-3px); }

/* ── APPLY PAGE ── */
.apply-wrapper { background: var(--bg-gray); padding: 60px 20px; }
.form-container { max-width: 920px; margin: 0 auto; background: white; border-radius: 20px; box-shadow: 0 20px 60px rgba(10,22,40,0.1); padding: 48px; border-top: 5px solid var(--gold); }
.form-header { text-align: center; margin-bottom: 40px; }
.form-header h1 { color: var(--navy); font-size: 32px; font-weight: 800; margin-bottom: 10px; }
.form-section-title { font-size: 16px; color: var(--navy); margin: 32px 0 16px 0; padding-bottom: 12px; border-bottom: 2px solid var(--gold); display: flex; align-items: center; gap: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.3px; }
.file-upload { border: 2px dashed var(--btn-blue) !important; padding: 18px !important; text-align: center; cursor: pointer; background: rgba(29,78,216,0.03) !important; color: var(--navy); }
.submit-btn { width: 100%; padding: 18px; background: linear-gradient(135deg, var(--btn-blue), var(--btn-hover)); color: white; border: none; border-radius: 12px; font-size: 18px; font-weight: 800; cursor: pointer; transition: 0.3s; margin-top: 20px; display: flex; align-items: center; justify-content: center; gap: 10px; }
.submit-btn:hover { transform: translateY(-2px); box-shadow: 0 15px 40px rgba(29,78,216,0.35); }

/* ── RESPONSIVE ── */
@media (max-width: 768px) {
    .nav-container { flex-direction: column; gap: 15px; text-align: center; }
    .nav-links { flex-wrap: wrap; justify-content: center; gap: 10px; }
    .hero-section h1 { font-size: 36px; }
    .hero-section { padding: 40px 20px 140px 20px; }
    .hero-stats { gap: 20px; }
    .split-layout { flex-direction: column; text-align: center; padding: 40px 0; }
    .progress-circles { justify-content: center; }
    .compare-card { flex-direction: column; text-align: center; padding: 20px; }
    .compare-logo-box { border-right: none; border-bottom: 1px solid #f1f5f9; padding-right: 0; padding-bottom: 18px; width: 100%; }
    .compare-price { padding: 16px 0; }
    .compare-stats { flex-direction: column; width: 100%; }
    .compare-action { align-items: center; width: 100%; margin-top: 12px; }
    .best-badge { position: relative; right: auto; margin-bottom: 8px; border-radius: 6px; }
    .footer-grid { flex-direction: column; align-items: center; text-align: center; }
    .info-item { justify-content: center; }
    .nav-columns { flex-direction: column; gap: 16px; }
    .social-icons { justify-content: center; }
    .footer-heading::after { left: 50%; transform: translateX(-50%); }
    .form-container { padding: 28px 20px; }
    .steps-grid { flex-direction: column; align-items: center; }
}