:root {
  --green-900: #0d1d2b;
  --green-800: #113b4d;
  --green-700: #0d7c5f;
  --green-600: #1a9a77;
  --green-500: #4ec39d;
  --green-100: rgba(13, 124, 95, 0.08);
  --text: #1f2d3d;
  --muted: #586d7d;
  --line: rgba(17, 34, 51, 0.08);
  --white: #ffffff;
  --bg: #f5faf8;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background: linear-gradient(180deg, #f5faf8 0%, #ffffff 18%, #eff7f4 100%);
  color: var(--text);
}
img { max-width: 100%; display: block; }
a { text-decoration: none; }

.container {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.topbar {
  background: #0d1d2b;
  color: rgba(255,255,255,0.85);
  font-size: 0.82rem;
}
.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 46px;
}

.header-shell {
  background: rgba(255,255,255,0.9);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(12px);
}
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 82px;
}
.logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--green-900);
}
.logo-mark {
  width: 44px;
  height: 44px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, #0d1d2b 0%, var(--green-700) 55%, #4ec39d 100%);
  color: #fff;
  font-size: 0.85rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  box-shadow: 0 18px 30px rgba(13, 124, 95, 0.24);
}
.logo-word {
  font-size: 1.06rem;
  font-weight: 900;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  white-space: nowrap;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.main-nav a {
  color: var(--text);
  font-weight: 600;
}
.header-actions {
  display: flex;
  align-items: center;
  gap: 14px;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 22px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 700;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  background: linear-gradient(135deg, var(--green-700), var(--green-600));
  color: #fff;
  box-shadow: 0 18px 30px rgba(13, 124, 95, 0.22);
}
.btn-secondary,
.btn-outline {
  background: rgba(13, 124, 95, 0.08);
  color: var(--green-700);
  border-color: rgba(13, 124, 95, 0.12);
}

.hero-wrap {
  padding: 68px 0 42px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  gap: 42px;
  align-items: center;
}
.eyebrow {
  display: inline-block;
  background: var(--green-100);
  color: var(--green-700);
  padding: 9px 14px;
  border-radius: 999px;
  font-size: 0.75rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 800;
}
.hero-copy h1 {
  margin: 18px 0 18px;
  font-size: clamp(2.8rem, 5.3vw, 4.8rem);
  line-height: 0.98;
  letter-spacing: -0.055em;
  color: #0d1d2b;
}
.hero-copy p {
  max-width: 620px;
  margin: 0;
  font-size: 1.08rem;
  line-height: 1.8;
  color: var(--muted);
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin: 30px 0 34px;
}
.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
}
.hero-stats div {
  min-width: 120px;
}
.hero-stats strong {
  display: block;
  font-size: 2rem;
  color: var(--green-900);
  margin-bottom: 4px;
}
.hero-stats span {
  color: var(--muted);
  font-size: 0.8rem;
}

.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-image-card {
  position: relative;
  width: min(100%, 560px);
  border-radius: 30px;
  overflow: hidden;
  box-shadow: 0 32px 60px rgba(16, 39, 53, 0.16);
  border: 8px solid rgba(255,255,255,0.75);
}
.hero-image-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.floating-card {
  position: absolute;
  right: 20px;
  bottom: 28px;
  background: rgba(255,255,255,0.96);
  border-radius: 20px;
  padding: 18px 20px;
  box-shadow: 0 20px 38px rgba(15, 36, 48, 0.14);
  border: 1px solid var(--line);
}
.floating-card span {
  display: block;
  color: var(--muted);
  font-size: 0.74rem;
  margin-bottom: 4px;
}
.floating-card strong {
  font-size: 1.8rem;
  color: var(--green-900);
}

.company-strip {
  padding: 14px 0 8px;
}
.strip-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(120px, 1fr));
  gap: 16px;
}
.strip-grid div {
  background: linear-gradient(180deg, rgba(255,255,255,0.9), rgba(240,249,246,0.9));
  border: 1px solid var(--line);
  border-radius: 18px;
  min-height: 90px;
  display: grid;
  place-items: center;
  font-weight: 800;
  letter-spacing: 0.12em;
  color: #123b4d;
  text-transform: uppercase;
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.75);
}

.section {
  padding: 68px 0;
}
.section-heading {
  margin-bottom: 34px;
}
.section-heading.center { text-align: center; }
.section-heading.left { text-align: left; }
.section-heading p {
  margin: 0 0 10px;
  color: var(--green-700);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
  font-weight: 800;
}
.section-heading h2 {
  margin: 0;
  color: var(--green-900);
  font-size: clamp(2.1rem, 3vw, 3.1rem);
  letter-spacing: -0.04em;
}

.loan-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
}
.loan-card {
  background: rgba(255,255,255,0.84);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 28px 22px;
  box-shadow: 0 18px 30px rgba(15, 39, 52, 0.05);
}
.loan-card.active {
  background: linear-gradient(180deg, rgba(13,124,95,0.07), rgba(255,255,255,0.9));
  border-color: rgba(13,124,95,0.18);
}
.loan-icon {
  width: 54px;
  height: 54px;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(13,124,95,0.12), rgba(78,195,157,0.18));
  display: grid;
  place-items: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
}
.loan-card h3 {
  margin: 0 0 10px;
  color: var(--green-900);
  font-size: 1.38rem;
}
.loan-card p {
  margin: 0 0 18px;
  color: var(--muted);
  line-height: 1.75;
}
.loan-card a {
  color: var(--green-700);
  font-weight: 700;
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 38px;
  align-items: center;
}
.about-visual {
  position: relative;
}
.about-visual img {
  width: 100%;
  border-radius: 28px;
  box-shadow: 0 30px 52px rgba(22, 47, 63, 0.14);
}
.mini-badge {
  position: absolute;
  left: 22px;
  bottom: 18px;
  background: rgba(255,255,255,0.95);
  border-radius: 20px;
  padding: 18px 20px;
  border: 1px solid var(--line);
}
.mini-badge strong {
  display: block;
  font-size: 1.8rem;
  color: var(--green-900);
}
.mini-badge span {
  color: var(--muted);
  font-weight: 700;
}
.about-copy p {
  margin: 0 0 20px;
  color: var(--muted);
  line-height: 1.8;
}
.check-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 12px;
}
.check-list li {
  position: relative;
  padding-left: 30px;
  color: var(--text);
  font-weight: 700;
}
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  width: 22px;
  height: 22px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: rgba(13,124,95,0.12);
  color: var(--green-700);
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
}
.feature-card {
  background: rgba(255,255,255,0.8);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 28px 22px;
}
.feature-icon {
  width: 56px;
  height: 56px;
  display: grid;
  place-items: center;
  border-radius: 18px;
  background: linear-gradient(135deg, rgba(13,124,95,0.12), rgba(78,195,157,0.18));
  color: var(--green-700);
  font-size: 1.6rem;
  margin-bottom: 18px;
}
.feature-card h3 {
  margin: 0 0 10px;
  color: var(--green-900);
}
.feature-card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.75;
}

.stats-section {
  padding-top: 10px;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
  background: linear-gradient(135deg, var(--green-900), #163b53);
  border-radius: 28px;
  padding: 28px 22px;
  color: #fff;
}
.stat-box strong {
  display: block;
  font-size: clamp(2rem, 3vw, 2.8rem);
  margin-bottom: 8px;
}
.stat-box span {
  color: rgba(255,255,255,0.76);
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}
.testimonial-card {
  background: rgba(255,255,255,0.86);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 28px 24px;
}
.testimonial-card p {
  margin: 0 0 20px;
  color: var(--muted);
  line-height: 1.8;
}
.person {
  display: grid;
  gap: 3px;
}
.person strong {
  color: var(--green-900);
}
.person span {
  color: var(--muted);
  font-size: 0.8rem;
}

.insight-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}
.insight-card {
  background: rgba(255,255,255,0.86);
  border: 1px solid var(--line);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 18px 28px rgba(15, 39, 52, 0.05);
}
.insight-card img {
  width: 100%;
  height: 240px;
  object-fit: cover;
}
.insight-content {
  padding: 22px 20px 24px;
}
.insight-meta {
  display: inline-block;
  margin-bottom: 10px;
  color: var(--green-700);
  background: rgba(13,124,95,0.08);
  border-radius: 999px;
  padding: 7px 12px;
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.insight-card h3 {
  margin: 0 0 10px;
  color: var(--green-900);
  font-size: 1.35rem;
  line-height: 1.35;
}
.insight-card p {
  margin: 0;
  color: var(--muted);
  line-height: 1.75;
}

.cta-wrap {
  padding: 30px 0 80px;
}
.cta-box {
  background: linear-gradient(135deg, #0d1d2b, #123e57 60%, #0d7c5f);
  border-radius: 26px;
  padding: 34px 30px;
  color: #fff;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  box-shadow: 0 28px 52px rgba(9, 21, 31, 0.24);
}
.cta-copy {
  flex: 1 1 45%;
}
.cta-tag {
  margin: 0 0 8px;
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.8);
  font-weight: 700;
}
.cta-box h2 {
  margin: 0;
  color: #fff;
  font-size: clamp(2rem, 3vw, 3rem);
}
.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 18px;
}
.cta-actions .btn-primary {
  background: #fff;
  color: var(--green-900);
  box-shadow: none;
}
.cta-actions .btn-secondary {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.14);
  color: #fff;
}
.contact-form {
  flex: 1 1 40%;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 22px;
  padding: 20px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 12px;
}
.contact-form input,
.contact-form textarea {
  width: 100%;
  border: 1px solid rgba(255,255,255,0.14);
  background: rgba(255,255,255,0.06);
  color: #fff;
  border-radius: 12px;
  padding: 13px 14px;
  font: inherit;
}
.contact-form input::placeholder,
.contact-form textarea::placeholder {
  color: rgba(255,255,255,0.72);
}
.contact-form textarea {
  min-height: 110px;
  resize: vertical;
  margin-bottom: 12px;
}
.form-submit {
  width: 100%;
  border: 0;
  cursor: pointer;
}
.form-status,
.loan-status {
  min-height: 24px;
  margin: 12px 0 0;
  color: #d6fff2;
  font-size: 0.92rem;
}

.apply-section {
  padding-top: 10px;
}
.loan-form {
  max-width: 820px;
  margin: 0 auto;
  background: rgba(255,255,255,0.85);
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 28px;
  box-shadow: 0 18px 28px rgba(15,39,52,0.05);
}
.loan-form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}
.loan-form input,
.loan-form select {
  width: 100%;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 12px;
  padding: 14px 16px;
  font: inherit;
  color: var(--text);
}
.loan-form select {
  appearance: none;
}
.loan-form .form-submit {
  margin-top: 18px;
}
@media (max-width: 760px) {
  .loan-form-grid,
  .form-row {
    grid-template-columns: 1fr;
  }
}

.live-chat-fab {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 90;
  background: linear-gradient(135deg, var(--green-700), var(--green-600));
  color: #fff;
  padding: 12px 20px;
  border-radius: 999px;
  box-shadow: 0 22px 30px rgba(13, 124, 95, 0.26);
  font-weight: 800;
  cursor: pointer;
}
.live-chat-fab.hidden {
  display: none;
}
.live-chat-widget {
  position: fixed;
  right: 22px;
  bottom: 88px;
  width: min(360px, calc(100vw - 24px));
  background: rgba(255,255,255,0.96);
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: 0 26px 48px rgba(15, 39, 52, 0.18);
  overflow: hidden;
  transform: translateY(16px);
  opacity: 0;
  pointer-events: none;
  transition: all 0.2s ease;
  z-index: 95;
}
.live-chat-widget.open {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.chat-header {
  background: linear-gradient(135deg, #0d1d2b, #0d7c5f);
  color: #fff;
  padding: 14px 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}
.chat-header strong {
  display: block;
  font-size: 1rem;
}
.chat-header span {
  display: block;
  color: rgba(255,255,255,0.78);
  font-size: 0.72rem;
}
.chat-header button {
  border: none;
  background: rgba(255,255,255,0.14);
  color: #fff;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 1.2rem;
}
.chat-body {
  max-height: 260px;
  overflow-y: auto;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 14px 14px 8px;
  background: #f6faf8;
}
.chat-bubble {
  max-width: 85%;
  padding: 10px 12px;
  border-radius: 14px;
  line-height: 1.5;
  font-size: 0.9rem;
}
.chat-bubble.agent {
  align-self: flex-start;
  background: #e7f7f2;
  color: var(--text);
}
.chat-bubble.visitor {
  align-self: flex-end;
  background: linear-gradient(135deg, var(--green-700), var(--green-600));
  color: #fff;
}
.chat-form {
  display: grid;
  gap: 10px;
  padding: 14px;
  background: rgba(255,255,255,0.95);
}
.chat-form input,
.chat-form textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 10px 12px;
  font: inherit;
}
.chat-form textarea {
  min-height: 84px;
  resize: vertical;
}
.chat-status {
  margin: 0;
  min-height: 18px;
  font-size: 0.78rem;
  color: var(--green-700);
}
.site-footer {
  border-top: 1px solid var(--line);
  padding: 26px 0 50px;
}
.footer-inner {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  color: var(--muted);
}
.footer-links {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}
.footer-links a {
  color: var(--muted);
}

@media (max-width: 980px) {
  .main-nav { display: none; }
  .hero-grid,
  .about-grid,
  .loan-grid,
  .feature-grid,
  .testimonial-grid,
  .stats-grid,
  .insight-grid { grid-template-columns: 1fr 1fr; }
  .cta-box { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 760px) {
  .topbar-inner,
  .navbar,
  .header-actions,
  .cta-box,
  .footer-inner {
    flex-direction: column;
    align-items: flex-start;
  }
  .hero-grid,
  .about-grid,
  .loan-grid,
  .feature-grid,
  .testimonial-grid,
  .stats-grid,
  .insight-grid,
  .strip-grid { grid-template-columns: 1fr; }
  .navbar { padding: 16px 0; }
  .header-actions { width: 100%; }
  .header-actions .btn { width: 100%; }
  .hero-wrap { padding-top: 42px; }
  .hero-copy h1 { font-size: 2.7rem; }
}