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

html {
  scroll-behavior: smooth;
}

body {
  font-family: Arial, Helvetica, sans-serif;
  background: radial-gradient(circle at top, #12314a 0%, #08131f 45%, #050b12 100%);
  color: #ecf3f9;
  min-height: 100vh;
}

a {
  text-decoration: none;
}

.loan-topbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 1rem;
  padding: 0.8rem 4.5%;
  background: rgba(9, 20, 31, 0.92);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(10px);
}

.back-link,
.call-btn {
  justify-self: start;
  color: #08131f;
  background: #f2c94c;
  padding: 0.72rem 1rem;
  border-radius: 999px;
  font-weight: 700;
  transition: 0.25s ease;
}

.call-btn {
  justify-self: end;
}

.back-link:hover,
.call-btn:hover,
.primary-action:hover,
.secondary-action:hover,
.whatsapp-btn:hover,
.loan-tile:hover {
  transform: translateY(-3px);
}

.brand-block {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  justify-self: center;
}

.brand-logo {
  width: 42px;
  height: 42px;
  object-fit: contain;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.08);
  padding: 3px;
}

.brand-block h1 {
  font-size: 1.05rem;
  color: #ffffff;
  margin-bottom: 0.1rem;
}

.brand-block p {
  font-size: 0.78rem;
  color: #a8bed0;
}

.hero-panel {
  width: min(1200px, 92%);
  margin: 2rem auto 0;
  display: grid;
  grid-template-columns: 1.5fr 0.9fr;
  gap: 1.5rem;
  padding: 2rem;
  border-radius: 28px;
  background: linear-gradient(135deg, rgba(15, 42, 70, 0.92), rgba(7, 18, 29, 0.88));
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.hero-text .eyebrow {
  display: inline-block;
  margin-bottom: 0.9rem;
  color: #f2c94c;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-text h2 {
  font-size: clamp(2rem, 4vw, 3.5rem);
  line-height: 1.05;
  margin-bottom: 1rem;
}

.hero-text p {
  font-size: 1.05rem;
  color: #d5e4ef;
  max-width: 58ch;
}

.hero-actions {
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
  margin-top: 1.5rem;
}

.primary-action,
.secondary-action,
.whatsapp-btn {
  display: inline-block;
  padding: 0.95rem 1.2rem;
  border-radius: 999px;
  font-weight: 700;
  transition: 0.25s ease;
}

.primary-action {
  background: #f2c94c;
  color: #08131f;
}

.secondary-action {
  background: transparent;
  color: #ecf3f9;
  border: 1px solid rgba(255, 255, 255, 0.22);
}

.hero-card {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.08), rgba(255, 255, 255, 0.03));
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 24px;
  padding: 1.4rem;
  align-self: center;
}

.hero-card h3 {
  font-size: 1.2rem;
  margin-bottom: 0.9rem;
  color: #f8fbff;
}

.hero-card ul {
  list-style: none;
}

.hero-card li {
  padding: 0.8rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  color: #dce8f2;
}

.services-wrap,
.info-panel,
.contact-panel {
  width: min(1200px, 92%);
  margin: 2rem auto 0;
}

.section-head {
  text-align: center;
  margin-bottom: 1.4rem;
}

.section-head h2,
.contact-panel h2 {
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  color: #f2c94c;
  margin-bottom: 0.5rem;
}

.section-head p {
  color: #c9d8e4;
}

.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 1.2rem;
}

.loan-tile {
  position: relative;
  overflow: hidden;
  padding: 1.4rem;
  border-radius: 22px;
  min-height: 210px;
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: 0 16px 30px rgba(0, 0, 0, 0.18);
  transition: 0.25s ease;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  background-size: cover;
  background-position: center;
}

.loan-tile::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(0, 0, 0, 0.15), rgba(0, 0, 0, 0.72));
}

.loan-tile > * {
  position: relative;
  z-index: 1;
}

.tile-icon {
  font-size: 2rem;
  margin-bottom: 0.8rem;
}

.loan-tile h3 {
  font-size: 1.25rem;
  margin-bottom: 0.5rem;
}

.loan-tile p {
  color: #ecf3f9;
  font-size: 0.98rem;
  margin-bottom: 0.8rem;
}

.loan-tile span {
  color: #f2c94c;
  font-weight: 700;
}

.personal {
  background-image: url("personal-loan.jpg");
}

.business {
  background-image: url("business-loan.jpg");
}

.housing {
  background-image: url("housing-loan.jpg");
}

.education {
  background-image: url("educational-loan.jpg");
}

.info-panel {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.2rem;
}

.info-box {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 22px;
  padding: 1.4rem;
  box-shadow: 0 12px 26px rgba(0, 0, 0, 0.15);
}

.info-box h3 {
  color: #f8fbff;
  margin-bottom: 0.6rem;
}

.info-box p {
  color: #d3e2ee;
}

.contact-panel {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.4rem;
  border-radius: 24px;
  background: linear-gradient(135deg, rgba(242, 201, 76, 0.14), rgba(255, 255, 255, 0.04));
  border: 1px solid rgba(242, 201, 76, 0.25);
  margin-bottom: 2rem;
}

.contact-panel p {
  color: #e8f0f6;
  margin-top: 0.35rem;
}

.whatsapp-btn {
  background: #25D366;
  color: #04120a;
  text-align: center;
  min-width: 210px;
}

@media (max-width: 768px) {
  .loan-topbar {
    grid-template-columns: 1fr;
    justify-items: center;
    padding: 0.7rem 4%;
    gap: 0.55rem;
  }

  .back-link,
  .call-btn {
    justify-self: center;
    padding: 0.6rem 0.9rem;
    font-size: 0.92rem;
  }

  .brand-block {
    justify-self: center;
  }

  .brand-logo {
    width: 34px;
    height: 34px;
  }

  .brand-block h1 {
    font-size: 0.96rem;
  }

  .brand-block p {
    font-size: 0.68rem;
  }

  .hero-panel {
    grid-template-columns: 1fr;
    padding: 1.2rem;
    margin-top: 1.2rem;
  }

  .hero-card {
    padding: 1.1rem;
  }

  .contact-panel {
    flex-direction: column;
    align-items: flex-start;
  }

  .whatsapp-btn {
    width: 100%;
  }
}