/* Weito Ventures — consolidated, validated stylesheet */
:root {
  --primary: #2e3192;
  --accent: #f47c20;
  --muted: #6b7280;
}
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  font-family: "Poppins", sans-serif;
}
body {
  font-family: "Poppins", sans-serif;
  margin: 0;
  padding: 0;
  color: #333;
  line-height: 1.7;
  background: linear-gradient(135deg, #f8f9fc 0%, #eef2f9 100%);
}

/* TYPOGRAPHY */
h1 {
  font-weight: 700;
  line-height: 1.2;
}

h2 {
  font-weight: 600;
  line-height: 1.3;
  margin-bottom: 1.5rem;
}

h3 {
  font-weight: 600;
  line-height: 1.4;
}

p {
  line-height: 1.7;
  margin-bottom: 1rem;
}

/* NAVBAR */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #ffffff;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 2rem;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
  transition: transform 0.3s ease-in-out;
}

.navbar-hidden {
  transform: translateY(-100%);
}
.logo {
  height: 52px;
}
.navbar ul {
  display: flex;
  gap: 1.5rem;
  list-style: none;
}
.navbar a {
  text-decoration: none;
  color: #2e3192;
  font-weight: 500;
  transition: color 0.2s ease;
}
.navbar a:hover {
  color: #f47c20;
}

.hero {
  background: linear-gradient(135deg, rgba(46, 49, 146, 0.9) 0%, rgba(31, 28, 122, 0.9) 100%), url("../images/finance-bg.jpg") center/cover no-repeat;
  color: #ffffff;
  padding: 5rem 2rem;
  text-align: center;
  position: relative;
  overflow: hidden;
  background-size: cover;
  background-position: center;
}
.hero h1 {
  font-size: 2.2rem;
  margin-bottom: 1rem;
}
.hero p {
  max-width: 720px;
  margin: 0 auto;
  color: #e6eefb;
}

.hero > * {
  position: relative;
  z-index: 1;
}
.small-hero {
  padding: 3.5rem 2rem;
}
/* BUTTON */
.btn {
  display: inline-block;
  background: #f47c20;
  color: #ffffff;
  padding: 0.9rem 1.8rem;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 600;
  transition: all 0.3s ease;
  box-shadow: 0 2px 8px rgba(244, 124, 32, 0.2);
}
.btn:hover {
  background: #d96812;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(244, 124, 32, 0.3);
}

.btn-secondary {
  display: inline-block;
  background: #2e3192;
  color: white;
  border: none;
  padding: 0.8rem 1.5rem;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 600;
  transition: all 0.3s ease;
  box-shadow: 0 2px 8px rgba(46, 49, 146, 0.2);
}

.btn-secondary:hover {
  background: #f47c20;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(244, 124, 32, 0.3);
}

/* SECTIONS */
.section {
  padding: 4.5rem 2rem;
  max-width: 1200px;
  margin: 0 auto;
}

.section-light {
  background: #ffffff;
}

.section-soft {
  background: #f3f6fb;
}

.section h2 {
  color: var(--primary);
  margin-bottom: 1rem;
  font-size: 1.8rem;
  font-weight: 600;
  text-align: center;
}
.section-intro {
  color: var(--muted);
  margin-bottom: 2rem;
  font-size: 1.05rem;
  text-align: center;
  max-width: 800px;
  margin-left: auto;
  margin-right: auto;
}
.light {
  background: #ffffff;
}

/* SERVICES */
.services {
  list-style: none;
  padding-left: 0;
}
.services li {
  background: #fff;
  padding: 1rem;
  margin-bottom: 1rem;
  border-left: 4px solid var(--accent);
  border-radius: 6px;
  transition:
    transform 0.2s,
    box-shadow 0.2s;
}
.services li:hover {
  transform: translateX(6px);
  box-shadow: 0 8px 20px rgba(46, 49, 146, 0.06);
}

/* FORM */
.contact-form {
  max-width: 640px;
  margin: 1rem auto;
}
.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 0.9rem;
  border: 1px solid #e6edf3;
  border-radius: 6px;
  font-size: 0.95rem;
  margin-bottom: 0.9rem;
  transition:
    box-shadow 0.18s,
    border-color 0.18s;
  color: #1a1a1a;
  background: #f8f9fc;
}
.contact-form input:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 6px 18px rgba(244, 124, 32, 0.12);
}

/* FOOTER */
footer,
.footer {
  background: var(--primary);
  color: #fff;
  padding: 1.6rem 2rem;
  margin-top: 2.5rem;
  border-top: 3px solid var(--accent);
}
.footer .footer-content {
  max-width: 980px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  align-items: center;
}
.footer p {
  margin: 0;
  color: #f3f4f6;
}

/* SOCIAL LINKS */
.social-links {
  display: flex;
  gap: 1rem;
  margin-top: 0.6rem;
}
.social-links a {
  color: #fff;
  font-size: 0.95rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.45rem 0.75rem;
  min-width: 40px;
  height: auto;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.03);
  transition:
    transform 0.18s,
    background 0.18s,
    color 0.18s;
  text-decoration: none;
}
.social-links a:hover {
  background: #fff;
  color: var(--accent);
  transform: translateY(-4px);
}

/* MOBILE */
@media (max-width: 768px) {
  .navbar {
    flex-direction: column;
    gap: 0.75rem;
    padding: 1rem;
  }
  .navbar ul {
    flex-direction: column;
    gap: 1rem;
  }
  .hero {
    padding: 2.5rem 1.25rem;
  }
  .hero h1 {
    font-size: 1.7rem;
  }
  .section {
    padding: 2rem 1rem;
  }
  .footer .footer-content {
    padding: 0 1rem;
  }
}

/* Utilities */
.visually-hidden {
  position: absolute !important;
  height: 1px;
  width: 1px;
  overflow: hidden;
  clip: rect(1px, 1px, 1px, 1px);
  white-space: nowrap;
}

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

.btn-center {
  text-align: center;
  margin-top: 2rem;
}

/* CARD GRID */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.card {
  background: #ffffff;
  padding: 2rem;
  border-radius: 10px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.card h3 {
  color: #2e3192;
  margin-bottom: 0.8rem;
  font-size: 1.1rem;
}

.card p {
  font-size: 0.95rem;
}

.card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

/* FAQ */
.faq-container {
  max-width: 800px;
  margin: 2rem auto 0;
}

.faq-item {
  background: #ffffff;
  margin-bottom: 1rem;
  padding: 1rem 1.2rem;
  border-radius: 6px;
  box-shadow: 0 3px 10px rgba(0, 0, 0, 0.05);
  cursor: pointer;
}

.faq-item summary {
  font-weight: 600;
  color: #2e3192;
  font-size: 1rem;
  outline: none;
}

.faq-item p {
  margin-top: 0.8rem;
  font-size: 0.95rem;
}

.faq-item[open] {
  border-left: 4px solid #f47c20;
}
/* FOOTER */
.footer {
  background: #1d1f27;
  color: #ffffff;
  padding-top: 3rem;
}

.footer-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem;
  padding: 0 2rem 2rem;
  max-width: 1200px;
  margin: auto;
}

.footer h3,
.footer h4 {
  margin-bottom: 1rem;
}

.footer p {
  font-size: 0.9rem;
  line-height: 1.5;
}

.footer-links ul {
  list-style: none;
  padding: 0;
}

.footer-links li {
  margin-bottom: 0.5rem;
}

.footer a {
  color: #ffffff;
  text-decoration: none;
  font-size: 0.9rem;
  transition: color 0.2s ease;
}

.footer a:hover {
  color: #f47c20;
}

.social-icons {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.socials {
  margin-top: 1rem;
}

.socials a {
  color: #ffffff;
  margin: 0 0.6rem;
  font-size: 1.2rem;
}

.socials a:hover {
  color: #f47c20;
}

.footer-bottom {
  text-align: center;
  padding: 1rem;
  background: #15161c;
  font-size: 0.85rem;
}
/* Fade In Animation */
.section,
.hero,
.card,
.faq-item {
  animation: fadeUp 0.8s ease forwards;
  opacity: 0;
}

@keyframes fadeUp {
  from {
    transform: translateY(20px);
    opacity: 0;
  }
  to {
    transform: translateY(0);
    opacity: 1;
  }
}
/* TESTIMONIALS */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.testimonial-card {
  background: #ffffff;
  padding: 2rem;
  border-radius: 10px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  text-align: center;
  transition: all 0.3s ease;
}

.testimonial-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.testimonial-avatar {
  width: 60px;
  height: 60px;
  background: #2e3192;
  color: #ffffff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1.2rem;
  margin: 0 auto 1rem;
}

.testimonial-text {
  font-style: italic;
  color: #555;
  margin-bottom: 1rem;
  line-height: 1.7;
  font-size: 0.98rem;
}

.testimonial-author {
  font-weight: 600;
  color: #2e3192;
  font-size: 0.9rem;
}

/* TRUST BADGES */
.trust-badges {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.trust-badge {
  background: white;
  text-align: center;
  padding: 2rem;
  border-radius: 10px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.trust-badge:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.trust-badge i {
  font-size: 2.5rem;
  color: #f47c20;
  margin-bottom: 1rem;
  display: block;
}

.trust-badge h4 {
  color: #2e3192;
  margin-bottom: 0.5rem;
  font-size: 1.1rem;
}

.trust-badge p {
  font-size: 0.9rem;
  color: #666;
}

/* FLOATING LABELS */
.floating-form {
  max-width: 600px;
  margin: 2rem auto;
}

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

.form-group input,
.form-group textarea {
  width: 100%;
  padding: 0.9rem;
  border: 2px solid #e0e0e0;
  border-radius: 6px;
  font-size: 1rem;
  font-family: "Poppins", sans-serif;
  transition: all 0.3s ease;
  background: #f8f9fc;
}

.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: #f47c20;
  background: #ffffff;
  box-shadow: 0 4px 12px rgba(244, 124, 32, 0.15);
}

.form-group label {
  position: absolute;
  top: 0.9rem;
  left: 0.9rem;
  color: #999;
  font-size: 0.95rem;
  font-weight: 500;
  transition: all 0.3s ease;
  pointer-events: none;
  background: #f8f9fc;
  padding: 0 0.3rem;
}

.form-group.focused label,
.form-group input.has-value ~ label,
.form-group textarea.has-value ~ label {
  top: -0.6rem;
  left: 0.6rem;
  font-size: 0.8rem;
  color: #f47c20;
}

/* SUCCESS MESSAGE */
.success-message {
  background: #d4edda;
  border: 1px solid #c3e6cb;
  color: #155724;
  padding: 1.5rem;
  border-radius: 6px;
  text-align: center;
  margin-top: 1rem;
  animation: fadeUp 0.5s ease forwards;
}

.success-message i {
  font-size: 2rem;
  margin-bottom: 0.5rem;
  display: block;
}

.success-message p {
  margin: 0;
  font-weight: 500;
}

/* LOADING ANIMATION */
.btn.loading {
  pointer-events: none;
  opacity: 0.8;
}

.spinner {
  display: inline-block;
  width: 16px;
  height: 16px;
  border: 2px solid #ffffff;
  border-top: 2px solid transparent;
  border-radius: 50%;
  animation: spin 0.6s linear infinite;
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

/* CONTACT PAGE BACKGROUND */
.contact-section {
  background: linear-gradient(135deg, #f8f9fc 0%, #eef1f8 100%);
}
/* ===== ABOUT PAGE STYLES ===== */

/* MISSION & VALUES GRID */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.value-card {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.value-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.value-card i {
  font-size: 3rem;
  color: #f47c20;
  margin-bottom: 1rem;
}

.value-card h3 {
  color: #2e3192;
  margin-bottom: 1rem;
}

.value-card p {
  color: #666;
  line-height: 1.6;
}

/* STATISTICS GRID */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.stat-card {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.stat-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.stat-card h3 {
  font-size: 2.5rem;
  color: #f47c20;
  margin-bottom: 0.5rem;
}

.stat-card p {
  color: #2e3192;
  font-weight: 600;
  font-size: 1.1rem;
}

/* TIMELINE */
.timeline {
  position: relative;
  padding: 2rem 0;
  margin-top: 2rem;
}

.timeline::before {
  content: "";
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  width: 3px;
  height: 100%;
  background: linear-gradient(to bottom, #2e3192, #f47c20);
}

.timeline-item {
  margin-bottom: 3rem;
  width: 45%;
  position: relative;
}

.timeline-item:nth-child(odd) {
  margin-left: 0;
  text-align: right;
  padding-right: 2rem;
}

.timeline-item:nth-child(even) {
  margin-left: 55%;
  text-align: left;
  padding-left: 2rem;
}

.timeline-dot {
  position: absolute;
  width: 15px;
  height: 15px;
  background: #f47c20;
  border: 3px solid white;
  border-radius: 50%;
  right: -35px;
  top: 0.5rem;
}

.timeline-item:nth-child(even) .timeline-dot {
  left: -35px;
  right: auto;
}

.timeline-item h4 {
  color: #2e3192;
  font-size: 1.3rem;
  margin-bottom: 0.5rem;
}

.timeline-item p {
  color: #666;
  line-height: 1.6;
}

/* TEAM GRID */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.team-card {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.team-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.team-avatar {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, #2e3192, #f47c20);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  font-weight: 700;
  margin: 0 auto 1rem;
}

.team-card h3 {
  color: #2e3192;
  margin-bottom: 0.3rem;
}

.team-role {
  color: #f47c20;
  font-weight: 600;
  font-size: 0.95rem;
  margin-bottom: 1rem;
}

.team-card p {
  color: #666;
  line-height: 1.6;
  margin-bottom: 0;
}

/* CERTIFICATIONS */
.certifications {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}

.cert-badge {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.cert-badge:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.cert-badge i {
  font-size: 2.5rem;
  color: #f47c20;
  margin-bottom: 1rem;
  display: block;
}

.cert-badge p {
  color: #2e3192;
  font-weight: 600;
}

/* ===== SERVICES PAGE STYLES ===== */

/* SERVICE CARDS GRID */
.service-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.service-card {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.service-card i {
  font-size: 3rem;
  color: #f47c20;
  margin-bottom: 1rem;
}

.service-card h3 {
  color: #2e3192;
  margin-bottom: 0.5rem;
}

.service-card p:first-of-type {
  color: #f47c20;
  font-weight: 600;
  margin-bottom: 1rem;
}

.service-card p {
  color: #666;
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.service-card .btn-secondary {
  background: #2e3192;
  color: white;
  border: none;
  padding: 0.8rem 1.5rem;
  border-radius: 5px;
  text-decoration: none;
  transition: background 0.3s ease;
  display: inline-block;
}

.service-card .btn-secondary:hover {
  background: #f47c20;
}

/* LOAN COMPARISON TABLE */
.table-container {
  overflow-x: auto;
  margin-top: 2rem;
}

.loan-table {
  width: 100%;
  border-collapse: collapse;
  background: white;
  box-shadow: 0 4px 15px rgba(46, 49, 146, 0.1);
  border-radius: 10px;
  overflow: hidden;
}

.loan-table thead {
  background: linear-gradient(135deg, #2e3192, #f47c20);
  color: white;
}

.loan-table th {
  padding: 1.5rem;
  text-align: left;
  font-weight: 600;
}

.loan-table td {
  padding: 1.2rem 1.5rem;
  border-bottom: 1px solid #e0e0e0;
  color: #333;
  vertical-align: top;
}

.loan-table td:first-child {
  width: 45%;
  color: #2e3192;
  font-weight: 600;
}

.loan-table tbody tr:hover {
  background: #f8f9fc;
}

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

/* PROCESS TIMELINE */
.process-timeline {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}

.process-step {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  text-align: center;
  box-shadow: 0 4px 15px rgba(46, 49, 146, 0.1);
  position: relative;
}

.step-number {
  width: 50px;
  height: 50px;
  background: linear-gradient(135deg, #2e3192, #f47c20);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
  margin: 0 auto 1rem;
}

.process-step h3 {
  color: #2e3192;
  margin-bottom: 0.5rem;
}

.process-step p {
  color: #666;
  line-height: 1.6;
}

/* CTA SECTION */
.cta-section {
  background: linear-gradient(135deg, #2e3192, #1a1a5c);
  color: white;
  text-align: center;
  padding: 3rem 2rem;
}

.cta-section h2 {
  color: white;
  margin-bottom: 1rem;
}

.cta-section p {
  color: #e0e0e0;
  margin-bottom: 2rem;
  font-size: 1.1rem;
}

.cta-section .btn {
  background: #f47c20;
  color: white;
  border: none;
  padding: 1rem 2rem;
  border-radius: 5px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.3s ease;
  text-decoration: none;
  display: inline-block;
}

.cta-section .btn:hover {
  background: #d65f0a;
}

/* ===== CONTACT PAGE STYLES ===== */

/* CONTACT METHODS */
.contact-methods-section {
  background: white;
}

.contact-methods {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.contact-card {
  background: linear-gradient(135deg, #f8f9fc, white);
  padding: 2rem;
  border-radius: 10px;
  text-align: center;
  border: 2px solid #eef1f8;
  transition: all 0.3s ease;
}

.contact-card:hover {
  border-color: #f47c20;
  box-shadow: 0 8px 25px rgba(244, 124, 32, 0.1);
  transform: translateY(-5px);
}

.contact-card i {
  font-size: 2.5rem;
  color: #f47c20;
  margin-bottom: 1rem;
}

.contact-card h3 {
  color: #2e3192;
  margin-bottom: 1rem;
}

.contact-card p {
  color: #666;
  margin: 0.5rem 0;
}

.contact-card p strong {
  color: #2e3192;
  font-weight: 600;
}

/* RESPONSE TIME & HOURS */
.response-section {
  background: #f8f9fc;
}

.response-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.response-card {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.response-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.response-card i {
  font-size: 2rem;
  color: #f47c20;
  margin-bottom: 1rem;
  display: block;
}

.response-card h4 {
  color: #2e3192;
  margin-bottom: 1.5rem;
}

.response-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.response-card li {
  color: #666;
  padding: 0.5rem 0;
  border-bottom: 1px solid #e0e0e0;
}

.response-card li:last-child {
  border-bottom: none;
}

.response-card strong {
  color: #2e3192;
}

/* TESTIMONIALS GRID SECTION */
.testimonials-grid-section {
  background: white;
}

/* RESPONSIVE DESIGN */
@media (max-width: 768px) {
  .timeline::before {
    left: 10px;
  }

  .timeline-item,
  .timeline-item:nth-child(odd),
  .timeline-item:nth-child(even) {
    width: 100%;
    margin-left: 0;
    padding-left: 50px;
    padding-right: 0;
    text-align: left;
  }

  .timeline-dot,
  .timeline-item:nth-child(even) .timeline-dot {
    left: 0;
    right: auto;
  }

  .service-cards-grid {
    grid-template-columns: 1fr;
  }

  .table-container {
    font-size: 0.9rem;
  }

  .loan-table th,
  .loan-table td {
    padding: 0.8rem 1rem;
  }

  .process-timeline {
    grid-template-columns: 1fr;
  }

  .contact-methods {
    grid-template-columns: 1fr;
  }

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

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

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

  .stats-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .certifications {
    grid-template-columns: repeat(2, 1fr);
  }

  .cta-section {
    padding: 2rem 1rem;
  }
}

/* ===== HOMEPAGE ADDITIONAL SECTIONS ===== */

/* PROCESS CARDS (How It Works) */
.process-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.process-card {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  text-align: center;
  transition: all 0.3s ease;
}

.process-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.process-number {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, #2e3192, #f47c20);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
  margin: 0 auto 1.5rem;
}

.process-card h3 {
  color: #2e3192;
  margin-bottom: 1rem;
  font-size: 1.2rem;
}

.process-card p {
  color: #666;
  font-size: 0.95rem;
  line-height: 1.6;
}

/* IMPACT GRID (Trust & Impact) */
.impact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.impact-card {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  text-align: center;
  transition: all 0.3s ease;
}

.impact-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.impact-card i {
  font-size: 3rem;
  color: #f47c20;
  margin-bottom: 1rem;
  display: block;
}

.impact-card h3 {
  color: #2e3192;
  margin-bottom: 0.8rem;
  font-size: 1.1rem;
}

.impact-card p {
  color: #666;
  font-size: 0.95rem;
  line-height: 1.6;
}

/* LOAN FEATURES GRID (Services Page) */
.loan-features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.feature-card {
  background: white;
  padding: 2rem;
  border-radius: 10px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.feature-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.feature-card i {
  font-size: 2.5rem;
  color: #f47c20;
  margin-bottom: 1rem;
  display: block;
}

.feature-card h3 {
  color: #2e3192;
  margin-bottom: 1rem;
  font-size: 1.1rem;
}

.feature-card p {
  color: #666;
  font-size: 0.95rem;
  line-height: 1.6;
}

/* ACCOUNT FEATURES LIST (Accounts Page) */
.account-features {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0;
  text-align: left;
}

.account-features li {
  padding: 0.5rem 0;
  color: #666;
  font-size: 0.9rem;
}

.account-features li i {
  color: #2e3192;
  margin-right: 0.5rem;
  font-size: 0.9rem;
}

/* ===== CONTACT PAGE IMPROVEMENTS ===== */

/* Contact Form Wrapper */
.contact-form-wrapper {
  max-width: 800px;
  margin: 2rem auto;
  background: white;
  padding: 2.5rem;
  border-radius: 12px;
  box-shadow: 0 4px 25px rgba(0, 0, 0, 0.08);
}

.security-notice {
  text-align: center;
  color: #2e3192;
  font-weight: 500;
  margin-bottom: 1.5rem;
  padding: 0.75rem;
  background: #e6eefb;
  border-radius: 6px;
}

.security-notice i {
  margin-right: 0.5rem;
  color: #2e3192;
}

.contact-form {
  max-width: 100%;
  margin: 0;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.5rem;
  margin-bottom: 1.5rem;
}

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

.form-group label {
  display: block;
  margin-bottom: 0.5rem;
  color: #2e3192;
  font-weight: 500;
  font-size: 0.95rem;
  position: relative;
  z-index: 1;
  background: transparent;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 0.9rem;
  border: 2px solid #e6edf3;
  border-radius: 6px;
  font-size: 0.95rem;
  font-family: "Poppins", sans-serif;
  transition: all 0.3s ease;
  background: #ffffff;
  color: #1a1a1a;
  position: relative;
  z-index: 0;
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: #f47c20;
  background: #ffffff;
  box-shadow: 0 4px 12px rgba(244, 124, 32, 0.15);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: #9ca3af;
  opacity: 1;
}

.form-group select option {
  color: #1a1a1a;
}

.contact-form button.btn {
  width: 100%;
  margin-top: 1rem;
  padding: 1rem;
  font-size: 1rem;
  cursor: pointer;
  border: none;
}

/* ===== FOOTER ENHANCEMENTS ===== */

.footer-contact {
  margin-bottom: 2rem;
}

.footer-contact h4 {
  margin-bottom: 1rem;
  color: #ffffff;
}

.footer-contact ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-contact li {
  margin-bottom: 0.8rem;
  color: #ffffff;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
}

.footer-contact li i {
  margin-right: 0.75rem;
  color: #f47c20;
  width: 20px;
  text-align: center;
}

.footer-bottom {
  text-align: center;
  padding: 1.5rem 1rem;
  background: #15161c;
  font-size: 0.85rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  align-items: center;
}

.footer-legal {
  display: flex;
  gap: 1rem;
  align-items: center;
}

.footer-legal a {
  color: #ffffff;
  text-decoration: none;
  font-size: 0.85rem;
  transition: color 0.2s ease;
}

.footer-legal a:hover {
  color: #f47c20;
}

.footer-legal span {
  color: #666;
}

/* ===== ADDITIONAL RESPONSIVE UPDATES ===== */

@media (max-width: 768px) {
  .process-cards,
  .impact-grid,
  .loan-features-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .contact-form-wrapper {
    padding: 1.5rem;
  }

  .footer-bottom {
    flex-direction: column;
  }

  .footer-legal {
    flex-direction: row;
  }
}