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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 90px;
}

body {
    font-family: Arial, Helvetica, sans-serif;
    background: #f8fafc;
    color: #1e293b;
    line-height: 1.6;
}

a {
    text-decoration: none;
    color: inherit;
}

button,
input,
select {
    font: inherit;
}

section {
    scroll-margin-top: 85px;
}

/* HEADER */
.header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 7%;
    background: #ffffff;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    position: sticky;
    top: 0;
    z-index: 100;
    gap: 24px;
}

.logo {
    font-size: 25px;
    font-weight: 800;
    color: #123c35;
    white-space: nowrap;
}

.logo span {
    color: #16a34a;
}

.navigation {
    display: flex;
    align-items: center;
    gap: 24px;
}

.navigation a {
    font-size: 14px;
    color: #475569;
    font-weight: 600;
    transition: color 0.2s;
}

.navigation a:hover {
    color: #16a34a;
}

/* BUTTONS */
.button {
    display: inline-block;
    border: none;
    border-radius: 8px;
    background: #15803d;
    color: #ffffff;
    padding: 13px 24px;
    font-weight: 700;
    cursor: pointer;
    transition: background 0.2s, transform 0.2s;
}

.button:hover {
    background: #166534;
    transform: translateY(-2px);
}

.header-button {
    padding: 11px 20px;
    white-space: nowrap;
}

/* HERO */
.hero {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    align-items: center;
    gap: 60px;
    padding: 90px 9%;
    background: linear-gradient(135deg, #ecfdf5, #f0fdf4 55%, #dcfce7);
    min-height: 490px;
}

.hero-content {
    max-width: 650px;
}

.eyebrow {
    color: #15803d;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 2px;
    margin-bottom: 14px;
}

.hero h1 {
    font-size: clamp(36px, 4.5vw, 58px);
    line-height: 1.12;
    letter-spacing: -1.5px;
    color: #123c35;
    margin-bottom: 22px;
}

.hero-description {
    color: #475569;
    font-size: 17px;
    max-width: 520px;
    margin-bottom: 28px;
}

.small-note {
    color: #64748b;
    font-size: 12px;
    margin-top: 18px;
}

.hero-card {
    padding: 38px;
    background: #ffffff;
    border-radius: 20px;
    box-shadow: 0 18px 45px rgba(22, 101, 52, 0.10);
}

.hero-icon {
    width: 65px;
    height: 65px;
    display: flex;
    justify-content: center;
    align-items: center;
    border-radius: 16px;
    background: #dcfce7;
    color: #15803d;
    font-size: 23px;
    font-weight: 800;
    margin-bottom: 22px;
}

.hero-card h2 {
    font-size: 25px;
    line-height: 1.3;
    margin-bottom: 14px;
    color: #123c35;
}

.hero-card p {
    color: #64748b;
    margin-bottom: 22px;
}

.text-link {
    color: #15803d;
    font-weight: 700;
}

/* BENEFITS */
.benefits {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    padding: 35px 9%;
    background: #ffffff;
    border-bottom: 1px solid #e2e8f0;
}

.benefits h3 {
    font-size: 17px;
    margin-bottom: 5px;
    color: #123c35;
}

.benefits p {
    font-size: 14px;
    color: #64748b;
}

/* GENERAL SECTIONS */
.section {
    padding: 85px 9%;
}

.section-heading {
    text-align: center;
    margin: 0 auto 45px;
    max-width: 650px;
}

.section-heading h2 {
    font-size: clamp(28px, 3vw, 38px);
    color: #123c35;
    line-height: 1.25;
    margin-bottom: 14px;
}

.section-heading > p:last-child {
    color: #64748b;
}

/* LOAN CARDS */
.loan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.loan-card {
    padding: 30px;
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: 14px;
    transition: transform 0.2s, box-shadow 0.2s;
}

.loan-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(15, 23, 42, 0.08);
}

.loan-icon {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #dcfce7;
    color: #15803d;
    font-weight: 800;
    border-radius: 12px;
    margin-bottom: 22px;
}

.loan-card h3 {
    color: #123c35;
    font-size: 20px;
    margin-bottom: 12px;
}

.loan-card p {
    color: #64748b;
    font-size: 14px;
    margin-bottom: 22px;
}

.loan-card a {
    color: #15803d;
    font-weight: 700;
    font-size: 14px;
}

/* HOW IT WORKS */
.how-section {
    background: #f0fdf4;
}

.steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 25px;
}

.step {
    padding: 25px;
    background: #ffffff;
    border-radius: 12px;
}

.step span {
    display: inline-flex;
    width: 42px;
    height: 42px;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #15803d;
    color: #ffffff;
    font-weight: 800;
    margin-bottom: 18px;
}

.step h3 {
    font-size: 17px;
    color: #123c35;
    margin-bottom: 10px;
}

.step p {
    color: #64748b;
    font-size: 14px;
}

/* APPLICATION FORM */
.apply-section {
    background: #ffffff;
}

.apply-container {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 60px;
    max-width: 1050px;
    margin: auto;
    align-items: start;
}

.apply-intro h2 {
    font-size: 36px;
    line-height: 1.2;
    color: #123c35;
    margin-bottom: 18px;
}

.apply-intro > p:not(.eyebrow) {
    color: #64748b;
}

.notice {
    padding: 18px;
    margin-top: 28px;
    background: #fff7ed;
    color: #9a3412;
    border-left: 4px solid #ea580c;
    border-radius: 5px;
    font-size: 13px;
}

.application-form {
    padding: 32px;
    background: #f8fafc;
    border: 1px solid #e2e8f0;
    border-radius: 15px;
}

.form-group {
    margin-bottom: 22px;
}

.form-group label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 8px;
    color: #334155;
}

.form-group input,
.form-group select {
    display: block;
    width: 100%;
    padding: 14px;
    border: 1px solid #cbd5e1;
    border-radius: 8px;
    background: #ffffff;
    color: #1e293b;
    outline: none;
}

.form-group input:focus,
.form-group select:focus {
    border-color: #16a34a;
    box-shadow: 0 0 0 3px rgba(22, 163, 74, 0.12);
}

.submit-button {
    width: 100%;
}

#form-message {
    margin-top: 15px;
    font-size: 14px;
}

/* FAQ */
.faq-list {
    max-width: 800px;
    margin: auto;
}

.faq-list details {
    padding: 22px;
    margin-bottom: 14px;
    background: #ffffff;
    border: 1px solid #e2e8f0;
    border-radius: 10px;
}

.faq-list summary {
    color: #123c35;
    font-weight: 700;
    cursor: pointer;
}

.faq-list details p {
    margin-top: 15px;
    color: #64748b;
    font-size: 14px;
}

/* FOOTER */
.footer {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    gap: 45px;
    padding: 55px 9% 25px;
    background: #102f2a;
    color: #d1fae5;
}

.footer-logo {
    display: inline-block;
    color: #ffffff;
    margin-bottom: 15px;
}

.footer > div > p {
    color: #a7c8bd;
    font-size: 14px;
    margin-bottom: 10px;
}

.footer h3 {
    color: #ffffff;
    font-size: 17px;
    margin-bottom: 16px;
}

.footer > div > a:not(.logo) {
    display: block;
    color: #a7c8bd;
    font-size: 14px;
    margin-bottom: 10px;
}

.footer a:hover {
    color: #86efac;
}

.copyright {
    grid-column: 1 / -1;
    border-top: 1px solid #31534b;
    padding-top: 22px;
    margin-top: 15px;
}

/* TABLETS */
@media (max-width: 1000px) {
    .header {
        padding: 18px 5%;
        flex-wrap: wrap;
    }

    .navigation {
        gap: 15px;
    }

    .hero {
        padding: 70px 6%;
        gap: 35px;
    }

    .section {
        padding: 70px 6%;
    }

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

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

/* MOBILE PHONES */
@media (max-width: 650px) {
    .header {
        padding: 16px 5%;
        gap: 14px;
    }

    .logo {
        font-size: 22px;
    }

    .navigation {
        order: 3;
        width: 100%;
        overflow-x: auto;
        padding: 8px 0;
        gap: 20px;
    }

    .navigation a {
        white-space: nowrap;
        font-size: 13px;
    }

    .header-button {
        padding: 10px 14px;
        font-size: 13px;
    }

    .hero {
        grid-template-columns: 1fr;
        padding: 55px 6%;
    }

    .hero h1 {
        font-size: 39px;
    }

    .hero-card {
        padding: 27px;
    }

    .benefits {
        grid-template-columns: 1fr;
        gap: 24px;
        padding: 30px 7%;
    }

    .section {
        padding: 60px 6%;
    }

    .loan-grid,
    .steps,
    .apply-container {
        grid-template-columns: 1fr;
    }

    .apply-container {
        gap: 30px;
    }

    .apply-intro h2 {
        font-size: 30px;
    }

    .application-form {
        padding: 23px;
    }

    .footer {
        grid-template-columns: 1fr;
        gap: 30px;
        padding: 45px 7% 25px;
    }

    .copyright {
        grid-column: auto;
    }
}