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

html{
scroll-behavior:smooth;
}

body{
background:#f8fafc;
color:#1e293b;
padding-bottom:70px;
}

/* Container */

.container{
width:90%;
max-width:1200px;
margin:auto;
}

/* Header */

.header{
position:sticky;
top:0;
z-index:999;
background:#910909;
box-shadow:0 2px 10px rgba(0,0,0,0.08);
}

.navbar{
display:flex;
justify-content:space-between;
align-items:center;
padding:15px 0;
}

.logo{
font-size:22px;
font-weight:700;
color:#ffe300;
text-decoration:none;
}
nav{
display:flex;
gap:25px;

}

nav a{
text-decoration:none;
color:#ffe300;
font-weight:600;
transition:.3s;
}

nav a:hover{
color:#0284c7;

}

.menu-toggle{
display:none;
font-size:28px;
cursor:pointer;
color:#ffffff;


}

/* Hero */

.hero{
background:url('../img/hero.jpg');
padding:80px 20px;
text-align:center;
color:white;
background-size:cover;
background-position:center;
background-repeat:no-repeat;
}




.hero h1{
font-size:42px;
margin-bottom:20px;
}

.hero p{
font-size:18px;
margin-bottom:25px;
}

.btn{
display:inline-block;
background:#ffffff;
color:#1e40af;
padding:14px 28px;
border-radius:8px;
font-weight:bold;
text-decoration:none;
}

.btn:hover{
opacity:.9;
}

/* Loan Cards */

.loan-types{
padding:50px 0;
}

.cards{
display:grid;
grid-template-columns:repeat(3,1fr);
gap:20px;
}

.card{
background:#fff;
padding:30px;
text-align:center;
border-radius:15px;
box-shadow:0 4px 15px rgba(0,0,0,.08);
transition:.3s;
font-size:22px;
}

.card:hover{
transform:translateY(-5px);
}

.card h3{
margin-top:15px;
font-size:20px;
}

/* Form */

.form-box{
background:#f3f3f2;
padding:40px;
border-radius:20px;
box-shadow:0 5px 20px rgba(0,0,0,.08);
margin:50px auto;
}

.form-box h2{
margin-bottom:25px;
text-align:center;
color:#1e40af;
}

form{
display:flex;
flex-direction:column;
gap:15px;
}

input,
select{
padding:14px;
border:1px solid #dbeafe;
border-radius:10px;
font-size:16px;
}

input:focus,
select:focus{
outline:none;
border-color:#0284c7;
}

button{
background:#1e40af;
color:#fff;
padding:15px;
border:none;
border-radius:10px;
font-size:16px;
cursor:pointer;
font-weight:600;
}

button:hover{
background:#1d4ed8;
}

/* Disclaimer */

.disclaimer{
padding:40px 0;
text-align:center;
background:#eef6ff;
}

.disclaimer h3{
margin-bottom:10px;
color:#1e40af;
}

/* Contact */

#contact{
padding:50px 0;
text-align:center;
}

#contact h2{
margin-bottom:15px;
color:#1e40af;
}

/* Footer */

footer{
background:#0f172a;
color:#fff;
padding:25px 0;
text-align:center;
}

/* Bottom Fixed Bar */

.bottom-bar{
position:fixed;
bottom:0;
left:0;
width:100%;
display:flex;
z-index:9999;
}

.bottom-bar a{
width:50%;
text-align:center;
padding:16px;
text-decoration:none;
font-weight:bold;
color:#fff;
}

.bottom-bar a:first-child{
background:#16a34a;
}

.bottom-bar a:last-child{
background:#0284c7;
}

/* Mobile */

@media(max-width:768px){

.hero{
padding:60px 15px;
}

.hero h1{
font-size:28px;
}

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

.form-box{
padding:25px;
}

.menu-toggle{
display:block;
}

nav{
display:none;
position:absolute;
top:70px;
left:0;
width:100%;
background:#08677bf0;
flex-direction:column;
padding:20px;
box-shadow:0 3px 10px rgba(0,0,0,.1);
}

nav.active{
display:flex;
}

nav a{
padding:10px 0;
border-bottom:1px solid #eee;
}

.logo{
font-size:18px;
}

}

.page-section{
padding:60px 0;
}

.contact-page h1{
margin-bottom:20px;
color:#1e40af;
}

.contact-intro{
margin-bottom:25px;
line-height:1.8;
}

.contact-card{
background:#fff;
padding:20px;
margin-bottom:20px;
border-radius:12px;
box-shadow:0 2px 10px rgba(0,0,0,.08);
}

.contact-card h3{
margin-bottom:10px;
color:#1e40af;
}