* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: 'Arial', sans-serif;
}

:root {
    --primary-color: #2c3e50;
    --secondary-color: #3498db;
    --accent-color: #e74c3c;
}

.hero {
    height: 100vh;
    background: linear-gradient(rgba(0,0,0,0.7), rgba(0,0,0,0.7)),
                url('https://images.unsplash.com/photo-1560520653-9e0e4c89eb11?ixlib=rb-4.0.3');
    background-size: cover;
    background-position: center;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    color: white;
    padding-top: 80px;
}

.hero-content h1 {
    font-size: 3.5rem;
    margin-bottom: 1rem;
}

.hero-content p {
    font-size: 1.2rem;
    margin-bottom: 2rem;
}

.cta-button {
    padding: 1rem 2rem;
    background-color: var(--secondary-color);
    color: white;
    text-decoration: none;
    border-radius: 5px;
    transition: background-color 0.3s;
}

.cta-button:hover {
    background-color: #2980b9;
}

.services {
    padding: 6rem 2rem;
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
}

.services-header {
    text-align: center;
    margin-bottom: 4rem;
}

.services-header h2 {
    font-size: 2.5rem;
    color: var(--primary-color);
    margin-bottom: 1rem;
}

.section-subtitle {
    font-size: 1.1rem;
    color: #666;
    max-width: 600px;
    margin: 0 auto;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2.5rem;
    max-width: 1200px;
    margin: 0 auto;
}

.service-card {
    background: white;
    border-radius: 20px;
    overflow: visible;
    box-shadow: 0 10px 30px rgba(0,0,0,0.08);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    position: relative;
    padding-top: 40px;
}

.service-icon-wrapper {
    position: absolute;
    top: -40px;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 80px;
    display: flex;
    justify-content: center;
    align-items: center;
}

.service-icon {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 5px 15px rgba(52, 152, 219, 0.3);
    overflow: hidden;
}

.service-icon img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.service-content {
    padding: 20px 2rem 2rem;
    text-align: center;
}

.service-content h3 {
    color: var(--primary-color);
    font-size: 1.5rem;
    margin-bottom: 1rem;
}

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

.service-features {
    list-style: none;
    padding: 0;
    margin: 1.5rem 0;
    text-align: left;
}

.service-features li {
    margin-bottom: 0.8rem;
    color: #555;
    display: flex;
    align-items: center;
    gap: 0.8rem;
    padding: 0.5rem 0;
}

.service-features i {
    color: #2ecc71;
    font-size: 1rem;
}

.service-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.8rem 1.5rem;
    background-color: transparent;
    color: var(--secondary-color);
    text-decoration: none;
    border: 2px solid var(--secondary-color);
    border-radius: 25px;
    font-weight: 600;
    transition: all 0.3s ease;
    margin-top: 1rem;
}

.service-btn:hover {
    background-color: var(--secondary-color);
    color: white;
    transform: translateX(5px);
}

.service-btn i {
    font-size: 0.9rem;
    transition: transform 0.3s ease;
}

.service-btn:hover i {
    transform: translateX(3px);
}

.why-us {
    padding: 6rem 2rem;
    background: linear-gradient(135deg, #1a2a6c 0%, #b21f1f 100%);
    color: white;
    position: relative;
    overflow: hidden;
}

.why-us::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('path-to-your-pattern.png') repeat;
    opacity: 0.05;
}

.why-us-container {
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.section-header {
    text-align: center;
    margin-bottom: 4rem;
}

.section-header h2 {
    font-size: 2.5rem;
    margin-bottom: 1rem;
    font-weight: 700;
}

.section-subtitle {
    font-size: 1.1rem;
    opacity: 0.9;
    max-width: 600px;
    margin: 0 auto;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2.5rem;
    padding: 1rem;
}

.feature-card {
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    border-radius: 15px;
    padding: 2rem;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.feature-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.2);
}

.feature-icon {
    width: 60px;
    height: 60px;
    background: rgba(255, 255, 255, 0.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    transition: transform 0.3s ease;
}

.feature-card:hover .feature-icon {
    transform: scale(1.1);
}

.feature-icon i {
    font-size: 24px;
    color: white;
}

.feature-content h3 {
    font-size: 1.5rem;
    margin-bottom: 1rem;
    font-weight: 600;
}

.feature-content p {
    margin-bottom: 1.5rem;
    line-height: 1.6;
    opacity: 0.9;
}

.feature-list {
    list-style: none;
    padding: 0;
}

.feature-list li {
    display: flex;
    align-items: center;
    gap: 0.8rem;
    margin-bottom: 0.8rem;
    font-size: 0.95rem;
    opacity: 0.9;
}

.feature-list i {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.9);
}

/* Responsive Adjustments */
@media (max-width: 768px) {
    .why-us {
        padding: 4rem 1rem;
    }

    .section-header h2 {
        font-size: 2rem;
    }

    .feature-card {
        padding: 1.5rem;
    }
}

/* Animation for icons */
@keyframes float {
    0% { transform: translateY(0px); }
    50% { transform: translateY(-10px); }
    100% { transform: translateY(0px); }
}

.feature-icon {
    animation: float 3s ease-in-out infinite;
}

/* Stagger animation delays for features */
.feature-card:nth-child(1) .feature-icon {
    animation-delay: 0s;
}

.feature-card:nth-child(2) .feature-icon {
    animation-delay: 0.2s;
}

.feature-card:nth-child(3) .feature-icon {
    animation-delay: 0.4s;
}

footer {
    background-color: #1a252f;
    color: white;
    text-align: center;
    padding: 2rem;
}

/* Navbar Styles */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    background-color: rgba(255, 255, 255, 0.95);
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
    z-index: 1000;
    transition: all 0.3s ease;
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 1rem 2rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo a {
    font-size: 1.5rem;
    font-weight: 700;
    text-decoration: none;
    color: var(--primary-color);
}

.logo span {
    color: var(--secondary-color);
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 2rem;
    list-style: none;
}

.nav-links a {
    text-decoration: none;
    color: var(--primary-color);
    font-weight: 500;
    font-size: 1rem;
    transition: color 0.3s ease;
}

.nav-links a:hover {
    color: var(--secondary-color);
}

.nav-links a.active {
    color: var(--secondary-color);
}

.nav-cta {
    background-color: var(--secondary-color);
    color: white !important;
    padding: 0.5rem 1.5rem;
    border-radius: 5px;
    transition: background-color 0.3s ease;
}

.nav-cta:hover {
    background-color: #2980b9;
}

.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 6px;
    cursor: pointer;
}

.menu-toggle span {
    display: block;
    width: 25px;
    height: 3px;
    background-color: var(--primary-color);
    transition: all 0.3s ease;
}

/* Mobile Responsive Styles */
@media (max-width: 768px) {
    .menu-toggle {
        display: flex;
    }

    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background-color: white;
        padding: 1rem 0;
        flex-direction: column;
        gap: 1rem;
        box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
    }

    .nav-links.active {
        display: flex;
    }
}

/* Responsive adjustments */
@media (max-width: 768px) {
    .services {
        padding: 4rem 1rem;
    }
    
    .services-header h2 {
        font-size: 2rem;
    }
    
    .service-card {
        margin-top: 50px;
    }
}

/* Contact Section Styles */
.contact-section {
    padding: 6rem 2rem;
    background-color: #f8f9fa;
}

.contact-container {
    max-width: 1200px;
    margin: 0 auto;
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 3rem;
    margin-top: 3rem;
}

/* Contact Information Styles */
.contact-info {
    background: linear-gradient(135deg, var(--primary-color) 0%, #34495e 100%);
    color: white;
    padding: 3rem 2rem;
    border-radius: 20px;
    position: relative;
    overflow: hidden;
}

.info-header {
    margin-bottom: 2rem;
}

.info-header h3 {
    font-size: 1.8rem;
    margin-bottom: 1rem;
}

.info-header p {
    opacity: 0.9;
    line-height: 1.6;
}

.info-items {
    margin: 2rem 0;
}

.info-item {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.info-item i {
    font-size: 1.2rem;
    background: rgba(255, 255, 255, 0.1);
    padding: 1rem;
    border-radius: 50%;
}

.info-item h4 {
    font-size: 1.1rem;
    margin-bottom: 0.3rem;
}

.info-item p {
    opacity: 0.8;
}

.social-links {
    margin-top: 2rem;
    display: flex;
    gap: 1rem;
}

.social-links a {
    color: white;
    background: rgba(255, 255, 255, 0.1);
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: all 0.3s ease;
}

.social-links a:hover {
    background: var(--secondary-color);
    transform: translateY(-3px);
}

/* Contact Form Styles */
.contact-form {
    background: white;
    padding: 3rem;
    border-radius: 20px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

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

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    color: var(--primary-color);
    font-weight: 500;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 0.8rem;
    border: 1px solid #ddd;
    border-radius: 8px;
    transition: all 0.3s ease;
    font-size: 1rem;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--secondary-color);
    box-shadow: 0 0 0 2px rgba(52, 152, 219, 0.1);
    outline: none;
}

.submit-btn {
    background: var(--secondary-color);
    color: white;
    padding: 1rem 2rem;
    border: none;
    border-radius: 8px;
    font-size: 1rem;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    cursor: pointer;
    transition: all 0.3s ease;
    width: 100%;
    justify-content: center;
}

.submit-btn:hover {
    background: #2980b9;
    transform: translateY(-2px);
}

.submit-btn i {
    font-size: 1.1rem;
}

/* Responsive Design */
@media (max-width: 968px) {
    .contact-wrapper {
        grid-template-columns: 1fr;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .contact-form {
        padding: 2rem;
    }
}

/* Animation for form submission */
@keyframes submitPulse {
    0% { transform: scale(1); }
    50% { transform: scale(0.95); }
    100% { transform: scale(1); }
}

.submit-btn:active {
    animation: submitPulse 0.3s ease;
}

/* Footer Styles */
.footer {
    background-color: #1a1a1a;
    padding: 1.5rem 0;
    color: #fff;
}

.footer-content {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

/* Brand Section */
.footer-brand {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.footer-logo {
    font-size: 1.5rem;
    margin: 0;
    color: #fff;
}

.footer-logo span {
    color: var(--secondary-color);
}

.footer-brand p {
    color: #999;
    margin: 0;
    font-size: 0.9rem;
}

/* Links Section */
.footer-links {
    display: flex;
    gap: 2rem;
}

.footer-links a {
    color: #999;
    text-decoration: none;
    font-size: 0.9rem;
    transition: all 0.3s ease;
}

.footer-links a:hover {
    color: var(--secondary-color);
}

/* Social Links */
.footer-social {
    display: flex;
    gap: 1rem;
}

.footer-social a {
    width: 32px;
    height: 32px;
    background: rgba(255, 255, 255, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    color: #fff;
    transition: all 0.3s ease;
}

.footer-social a:hover {
    background: var(--secondary-color);
    transform: translateY(-3px);
}

/* Responsive Design */
@media (max-width: 968px) {
    .footer-content {
        flex-direction: column;
        gap: 1.5rem;
        text-align: center;
        padding: 1.5rem;
    }

    .footer-brand {
        flex-direction: column;
        gap: 1rem;
    }

    .footer-links {
        flex-wrap: wrap;
        justify-content: center;
        gap: 1rem 2rem;
    }

    .footer-social {
        margin-top: 1rem;
    }
}

/* Hover Animation for Social Icons */
@keyframes socialBounce {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-3px); }
}

.footer-social a:hover {
    animation: socialBounce 0.3s ease;
}

/* Add to your existing CSS */
html {
    scroll-behavior: smooth;
}

.nav-links a {
    position: relative;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--secondary-color);
    transition: width 0.3s ease;
}

.nav-links a.active::after,
.nav-links a:hover::after {
    width: 100%;
}

/* Adjust section padding to account for fixed navbar */
section {
    padding-top: 80px;
    margin-top: -80px;
}

/* Exception for hero section */
.hero {
    margin-top: 0;
}

/* Loan Calculator Styles */
.calculator {
    padding: 6rem 2rem;
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
}

.calculator-container {
    max-width: 1200px;
    margin: 0 auto;
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    margin-top: 3rem;
}

/* Calculator Form */
.calculator-form {
    background: white;
    padding: 2.5rem;
    border-radius: 20px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
}

.form-group {
    margin-bottom: 2rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.8rem;
    color: var(--primary-color);
    font-weight: 500;
}

.form-group input[type="number"] {
    width: 100%;
    padding: 0.8rem;
    border: 1px solid #ddd;
    border-radius: 8px;
    margin-bottom: 0.5rem;
    font-size: 1rem;
}

.form-group input[type="range"] {
    width: 100%;
    margin-top: 0.5rem;
    accent-color: var(--secondary-color);
}

/* Calculator Results */
.calculator-result {
    background: white;
    padding: 2.5rem;
    border-radius: 20px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
}

.result-card {
    text-align: center;
    margin-bottom: 2rem;
    padding: 2rem;
    background: linear-gradient(135deg, var(--secondary-color) 0%, #2980b9 100%);
    border-radius: 15px;
    color: white;
}

.result-card h3 {
    font-size: 1.2rem;
    margin-bottom: 1rem;
    opacity: 0.9;
}

.result-card .amount {
    font-size: 2.5rem;
    font-weight: 700;
}

.result-details {
    margin-bottom: 2rem;
}

.detail-item {
    display: flex;
    justify-content: space-between;
    padding: 1rem 0;
    border-bottom: 1px solid #eee;
}

.detail-item span:first-child {
    color: #666;
}

.detail-item span:last-child {
    font-weight: 600;
    color: var(--primary-color);
}

.apply-btn {
    width: 100%;
    padding: 1rem;
    background: var(--secondary-color);
    color: white;
    border: none;
    border-radius: 8px;
    font-size: 1rem;
    font-weight: 600;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    cursor: pointer;
    transition: all 0.3s ease;
}

.apply-btn:hover {
    background: #2980b9;
    transform: translateY(-2px);
}

/* Responsive Design */
@media (max-width: 968px) {
    .calculator-wrapper {
        grid-template-columns: 1fr;
    }
}