:root {
    --bg-main: #ffffff;
    --bg-surface: #f5f5f7;
    --text-primary: #1d1d1f;
    --text-secondary: #86868b;
    --border: #d2d2d7;
    --black: #000000;
}

* { box-sizing: border-box; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; color: var(--text-primary); background: var(--bg-main); line-height: 1.47059; letter-spacing: -0.022em; }
a { text-decoration: none; color: inherit; transition: color 0.2s; }
.container { width: min(1080px, calc(100% - 48px)); margin: auto; }

/* HEADER */
header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, 0.8); backdrop-filter: saturate(180%) blur(20px); -webkit-backdrop-filter: saturate(180%) blur(20px); border-bottom: 1px solid rgba(0,0,0,0.05); }
.nav { height: 64px; display: flex; align-items: center; justify-content: space-between; }
.brand { font-size: 21px; font-weight: 700; letter-spacing: -0.04em; color: var(--black); }
.navlinks { display: flex; gap: 32px; align-items: center; font-size: 12px; font-weight: 500; color: var(--text-primary); letter-spacing: 0.01em; }
.navlinks a:hover { color: var(--text-secondary); }
.navcta { padding: 8px 16px; border-radius: 999px; background: var(--black); color: var(--bg-main) !important; transition: background 0.2s; }
.navcta:hover { background: #333333; }

/* HERO */
.hero { background: var(--bg-surface); padding: 100px 0 100px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 80px; align-items: center; }
.hero-icon { display: block; margin-bottom: 24px; }
.badge { display: inline-flex; padding: 6px 12px; border-radius: 999px; border: 1px solid var(--black); color: var(--black); font-size: 10px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 24px; }
h1 { font-size: clamp(48px, 6vw, 72px); line-height: 1.05; font-weight: 700; letter-spacing: -0.06em; margin: 0 0 20px; color: var(--black); }
.hero p { font-size: 21px; line-height: 1.381; font-weight: 400; color: var(--text-secondary); max-width: 500px; margin: 0 0 40px; letter-spacing: 0.011em; }

/* ENQUIRY CARD & FORM */
.card { background: var(--bg-main); border-radius: 24px; box-shadow: 0 10px 40px rgba(0,0,0,0.04); padding: 40px; }
.card h2 { margin: 0 0 8px; font-size: 24px; font-weight: 600; letter-spacing: -0.03em; }
.card p { font-size: 14px; margin: 0 0 24px; color: var(--text-secondary); }
.form { display: grid; gap: 16px; }
.form input { width: 100%; padding: 16px; border: none; border-radius: 12px; font: inherit; font-size: 15px; background: var(--bg-surface); color: var(--text-primary); transition: box-shadow 0.2s; outline: none; }
.form input::placeholder { color: var(--text-secondary); }
.form input:focus { box-shadow: 0 0 0 2px var(--black); }
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 16px 24px; border-radius: 999px; font-weight: 600; font-size: 14px; cursor: pointer; border: none; transition: all 0.2s; width: 100%; margin-top: 8px;}
.primary { background: var(--black); color: var(--bg-main); }
.primary:hover { background: #333333; }

/* CUSTOM DROPDOWN */
.custom-dropdown { position: relative; user-select: none; }
.dropdown-header { width: 100%; padding: 16px; border-radius: 12px; font-size: 15px; background: var(--bg-surface); color: var(--text-secondary); cursor: pointer; display: flex; justify-content: space-between; align-items: center; transition: box-shadow 0.2s; }
.dropdown-header.selected { color: var(--text-primary); }
.dropdown-header svg { transition: transform 0.3s ease; }
.custom-dropdown.active .dropdown-header { box-shadow: 0 0 0 2px var(--black); }
.custom-dropdown.active .dropdown-header svg { transform: rotate(180deg); }
.dropdown-list { position: absolute; top: calc(100% + 8px); left: 0; width: 100%; max-height: 220px; overflow-y: auto; background: var(--bg-main); border-radius: 16px; box-shadow: 0 10px 30px rgba(0,0,0,0.1); border: 1px solid var(--border); padding: 8px; z-index: 100; opacity: 0; visibility: hidden; transform: translateY(-10px); transition: all 0.2s cubic-bezier(0.16, 1, 0.3, 1); }
.dropdown-list::-webkit-scrollbar { width: 6px; }
.dropdown-list::-webkit-scrollbar-track { background: transparent; margin: 8px 0; }
.dropdown-list::-webkit-scrollbar-thumb { background: var(--border); border-radius: 10px; }
.dropdown-list::-webkit-scrollbar-thumb:hover { background: var(--text-secondary); }
.custom-dropdown.active .dropdown-list { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-item { padding: 12px 16px; font-size: 15px; color: var(--text-primary); cursor: pointer; border-radius: 8px; transition: background 0.15s, color 0.15s; }
.dropdown-item:hover { background: var(--black); color: var(--bg-main); }

/* GENERAL SECTIONS */
section { padding: 100px 0; }
.section-head { text-align: center; max-width: 600px; margin: 0 auto 60px; }
.section-head h2 { font-size: 48px; line-height: 1.08349; font-weight: 700; letter-spacing: -0.05em; margin: 0 0 16px; }
.section-head p { font-size: 19px; color: var(--text-secondary); margin: 0; }

/* LOAN SOLUTIONS */
.solutions { background: var(--bg-main); }
.solution-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.solution { padding: 32px; border-radius: 20px; background: var(--bg-surface); transition: transform 0.3s ease; }
.solution:hover { transform: scale(1.02); }
.solution h3 { margin: 0 0 12px; font-size: 21px; font-weight: 600; letter-spacing: -0.02em; }
.solution p { margin: 0; color: var(--text-secondary); font-size: 15px; }

/* PARTNERS */
.partners { background: var(--bg-surface); }
.partner-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 16px; }
.partner { width: calc(10% - 14.4px); height: 70px; background: var(--bg-main); border-radius: 12px; display: flex; align-items: center; justify-content: center; padding: 12px; transition: transform 0.3s ease; }
.partner:hover { transform: scale(1.05); }
.partner img { display: block; max-width: 100%; max-height: 28px; width: auto; height: auto; object-fit: contain; }

/* PROCESS */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step { padding: 0; }
.num { font-size: 12px; font-weight: 700; color: var(--text-secondary); margin-bottom: 12px; border-bottom: 1px solid var(--border); padding-bottom: 12px; }
.step h3 { margin: 0 0 8px; font-size: 19px; font-weight: 600; letter-spacing: -0.02em; }
.step p { margin: 0; color: var(--text-secondary); font-size: 15px; }

/* FAQ */
.faq { background: var(--bg-surface); }
.faq-container { max-width: 700px; margin: 0 auto; background: var(--bg-main); border-radius: 20px; padding: 0 24px; }
details { padding: 24px 0; border-bottom: 1px solid var(--border); }
details:last-child { border-bottom: none; }
summary { cursor: pointer; font-size: 17px; font-weight: 600; letter-spacing: -0.02em; list-style: none; outline: none; }
summary::-webkit-details-marker { display: none; }
details p { color: var(--text-secondary); font-size: 15px; margin: 12px 0 0; line-height: 1.5; }

/* FOOTER & LEGAL MODAL */
footer { background: var(--black); color: var(--bg-main); padding: 60px 0; }
.foot { display: flex; justify-content: space-between; gap: 32px; align-items: flex-end; }
.foot .brand { color: var(--bg-main); margin-bottom: 8px; }
.foot p { margin: 0; color: #a1a1a6; font-size: 12px; }
.legal-links { display: flex; gap: 24px; font-size: 12px; color: #a1a1a6; }
.legal-links a:hover { color: var(--bg-main); cursor: pointer; }

.legal-modal {
    position: fixed; top: 0; left: 0; width: 100%; height: 100%;
    background: rgba(0,0,0,0.6); backdrop-filter: blur(8px);
    display: flex; align-items: center; justify-content: center;
    z-index: 1000; opacity: 0; visibility: hidden; transition: all 0.3s ease;
}
.legal-modal.active { opacity: 1; visibility: visible; }
.legal-content {
    background: var(--bg-main); color: var(--text-primary);
    width: min(700px, calc(100% - 40px)); max-height: 80vh; overflow-y: auto;
    border-radius: 24px; padding: 40px; position: relative;
    box-shadow: 0 20px 50px rgba(0,0,0,0.2);
}
.modal-close {
    position: absolute; top: 20px; right: 20px; background: var(--bg-surface);
    border: none; width: 36px; height: 36px; border-radius: 50%;
    font-size: 20px; cursor: pointer; display: flex; align-items: center; justify-content: center;
}

/* Premium Modal Scrollbar */
.legal-content::-webkit-scrollbar { 
    width: 6px; 
}
.legal-content::-webkit-scrollbar-track { 
    background: transparent; 
    margin: 24px 0; 
}
.legal-content::-webkit-scrollbar-thumb { 
    background: var(--border); 
    border-radius: 10px; 
}
.legal-content::-webkit-scrollbar-thumb:hover { 
    background: var(--text-secondary); 
}

/* MOBILE */
@media (max-width: 900px) {
    .hero-grid { grid-template-columns: 1fr; gap: 60px; }
    .solution-grid { grid-template-columns: repeat(2, 1fr); }
    .process-grid { grid-template-columns: repeat(2, 1fr); }
    .partner { width: calc(20% - 12.8px); }
    section { padding: 80px 0; }
    h1 { font-size: 48px; }
    .section-head h2 { font-size: 40px; }
}
@media (max-width: 620px) {
    .navlinks { display: none; }
    .hero { padding: 60px 0; }
    .solution-grid, .process-grid { grid-template-columns: 1fr; }
    .partner-grid { gap: 12px; }
    .partner { width: calc(33.333% - 8px); height: 60px; }
    .section-head h2 { font-size: 32px; }
    .card { padding: 24px; }
    .foot { flex-direction: column; align-items: flex-start; gap: 24px; }
    .legal-content { padding: 24px; }
}