:root{
  --bg:#ffffff;
  --panel:#f5f7fa;        /* cloud dander */
  --panel2:#eef2f6;
  --text:#0f172a;
  --muted:#5b6475;
  --line:#e2e8f0;

  --brand:#4b6cb7;        /* cloud blue */
  --brand-dark:#39559e;
  --brand-soft:#e8effa;

  --shadow:0 8px 30px rgba(15,23,42,.08);
  --radius:8px;
}

*{ box-sizing:border-box; }
html,body{ margin:0; padding:0; font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial; width:100%; }
body{
  background:var(--bg);
  color:var(--text);
  overflow-x:hidden;
  overflow-y:auto;
  -webkit-overflow-scrolling:touch;
}

a{ color:inherit; text-decoration:none; }
img{ max-width:100%; display:block; }

.container{ width:min(1180px, 92vw); margin:0 auto; }

.topStrip{
  background:var(--panel);
  color:var(--text);
  font-weight:600;
  font-size:14px;
}
.topStrip__inner{
  display:flex;
  justify-content:center;
  padding:10px 0;
}
.header{
  background:#fff;
  border-bottom:1px solid var(--line);
  position:sticky;
  top:0;
  z-index:100;
}
.header__inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
  height:78px;
}
.header__inner--tight{
  height:78px;
}
.header--clean{
  border-bottom:1px solid #eef1f5;
}
.brand{
  display:flex;
  align-items:center;
  gap:10px;
}
.brand__logo{ width:38px; height:38px; }
.brand__logo--lg{ width:64px; height:64px; }
.brand__name{ font-size:22px; font-weight:800; color:var(--brand); }

.nav{
  display:flex;
  align-items:center;
  gap:18px;
}
.nav--clean{
  gap:22px;
  margin-left:auto;
}
.nav__link{ font-weight:500; color:var(--text); }
.nav__link:hover{ color:var(--brand); text-decoration:underline; }
.nav__link--accent{ color:#ff7a00; font-weight:700; }
.nav__link--active{
  color:var(--brand);
  font-weight:700;
}

.headerActions{
  display:flex;
  align-items:center;
  gap:12px;
  margin-left:16px;
}
.langPill{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:44px;
  height:44px;
  border-radius:999px;
  background:var(--brand);
  color:#fff;
  font-weight:800;
}
.ctaPill{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:10px 18px;
  border-radius:999px;
  background:var(--brand);
  color:#fff;
  font-weight:800;
}

.nav__pill{
  background:#fff;
  border:1px solid var(--line);
  padding:10px 12px;
  border-radius:999px;
}
.nav__pill:hover{
  border-color:var(--brand);
  text-decoration:none;
}

.nav__dd{ position:relative; }
.nav__btn{
  border:none;
  background:transparent;
  font:inherit;
  cursor:pointer;
  font-weight:500;
  color:var(--text);
  padding:10px 0;
}
.nav__btn:hover{ color:var(--brand); }
.caret{ opacity:.8; }

.nav__menu{
  position:absolute;
  top:42px;
  left:0;
  min-width:260px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:10px;
  box-shadow:var(--shadow);
  padding:10px;
  display:none;
}
.nav__menu a{
  display:block;
  padding:10px 10px;
  border-radius:8px;
  color:var(--text);
}
.nav__menu a:hover{
  background:var(--brand-soft);
  color:var(--brand);
}

.nav__dd:hover .nav__menu{ display:block; }

.header__cta{ display:flex; align-items:center; gap:10px; }

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:11px 14px;
  border-radius:10px;
  font-weight:700;
  cursor:pointer;
}
.btn--primary{
  background:var(--brand);
  color:#fff;
  border:none;
}
.btn--primary:hover{ background:var(--brand-dark); }
.btn--ghost{
  background:#fff;
  color:var(--brand);
  border:1px solid var(--brand);
}

.burger{
  display:none;
  align-items:center;
  gap:8px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:10px;
  padding:8px 12px;
  cursor:pointer;
}
.burger span{
  display:block;
  width:18px;
  height:2px;
  background:var(--text);
  margin:3px 0;
}
.burger__text{
  font-size:12px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.08em;
  color:var(--text);
}

.mobileNav{
  display:none;
  border-top:1px solid var(--line);
  background:#fff;
  padding:10px 4vw;
}
.mobileNav a{
  display:block;
  padding:12px 0;
  border-bottom:1px solid var(--line);
}
.mobileNav.is-open{ display:block; }
.mobileLang{
  display:flex;
  gap:10px;
  padding:12px 0;
}

.heroBanner{ position:relative; }
.heroSplit{
  background:#ffffff;
  padding:40px 0 56px;
}
.heroCard{
  background:var(--panel);
  border-radius:28px;
  padding:54px 56px;
  color:var(--text);
  box-shadow:0 20px 45px rgba(15,23,42,.12);
  position:relative;
  overflow:hidden;
}
.heroGrid{
  display:grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr);
  gap:24px;
  align-items:center;
}
.heroContent h1{
  font-size:46px;
  line-height:1.05;
  margin:0 0 16px;
}
.heroContent p{
  font-size:16px;
  margin:0 0 26px;
  color:var(--muted);
  max-width:460px;
}
.heroBtn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:12px 24px;
  background:var(--brand);
  color:#fff;
  font-weight:800;
  border-radius:999px;
  box-shadow:0 10px 20px rgba(15,23,42,.15);
}
.heroPerson{
  position:relative;
  display:flex;
  justify-content:flex-end;
  align-items:flex-end;
}
.heroPerson img{
  width:100%;
  max-width:360px;
  height:auto;
  filter:drop-shadow(0 18px 40px rgba(0,0,0,.25));
}
.dot{
  position:absolute;
  background:var(--brand);
  border-radius:999px;
}
.dot--lg{
  width:56px;
  height:56px;
  right:34px;
  top:40px;
  box-shadow:0 0 0 8px rgba(0,0,0,.1);
}
.dot--sm{
  width:18px;
  height:18px;
  right:110px;
  top:90px;
}

.section{ padding:76px 0; }
.section--panel{ background:var(--panel); }
.section--panel2{ background:var(--panel2); }

/* Prevent sticky header from covering anchored sections */
.section{
  scroll-margin-top:100px;
}

.contactSection{
  background:#f7fafc;
}
.contactSection .sectionHead h2{
  color:var(--text);
}
.contactForm{
  max-width:640px;
  margin:0 auto;
  display:grid;
  gap:16px;
}
.contactForm label{
  display:grid;
  gap:8px;
  color:var(--text);
  font-weight:600;
}
.contactForm input,
.contactForm select{
  width:100%;
  padding:10px 12px;
  border-radius:8px;
  border:1px solid var(--line);
  background:#fff;
  font-size:13px;
}
.contactForm input:focus,
.contactForm select:focus{
  border-color:var(--brand);
  box-shadow:0 0 0 4px rgba(75,108,183,.15);
  outline:none;
}
.contactSubmit{
  justify-self:center;
  padding:10px 22px;
  margin-top:6px;
  border-radius:999px;
}
.req{
  color:#ef4444;
}

.payNowSection{
  background:#f7fafc;
}
.payNowContainer{
  display:flex;
  justify-content:center;
}
.payNowCard{
  width:min(760px, 92vw);
  background:#fff;
  border:1px solid var(--line);
  border-radius:16px;
  box-shadow:var(--shadow);
  padding:28px;
}
.payNowLogo{
  display:flex;
  justify-content:center;
  margin-bottom:12px;
}
.payNowLogo img{
  width:110px;
  height:auto;
}
.payNowCard h2{
  margin:0 0 6px;
  color:var(--brand);
  font-size:20px;
}
.payNowHint{
  margin:0 0 16px;
  color:var(--muted);
  font-size:12px;
}
.payNowForm label{
  display:grid;
  gap:8px;
  font-weight:600;
  color:var(--text);
  font-size:13px;
}
.payNowForm input,
.payNowForm select{
  padding:10px 12px;
  border-radius:8px;
  border:1px solid var(--line);
  font-size:13px;
  background:#fff;
}
.payNowForm input:focus,
.payNowForm select:focus{
  border-color:var(--brand);
  box-shadow:0 0 0 4px rgba(75,108,183,.15);
  outline:none;
}
.payNowGrid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0, 1fr));
  gap:14px 18px;
}
.payNowActions{
  display:flex;
  gap:12px;
  justify-content:center;
  margin-top:18px;
}
.payNowNote{
  text-align:center;
  margin:14px 0 0;
  color:var(--muted);
  font-size:12px;
}

.adminHub{
  background:#f7fafc;
}
.adminCards{
  display:grid;
  grid-template-columns:repeat(3, minmax(0, 1fr));
  gap:18px;
}
.adminCard{
  display:block;
  padding:20px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:14px;
  box-shadow:var(--shadow);
  text-decoration:none;
  color:inherit;
}
.adminCard h3{
  margin:0 0 8px;
  color:var(--brand);
}
.adminCard p{
  margin:0;
  color:var(--muted);
}
.adminUsers .tableWrap{
  margin-top:18px;
}
.userForm{
  display:grid;
  grid-template-columns:repeat(4, minmax(0, 1fr));
  gap:12px;
  align-items:end;
  margin-bottom:18px;
}
.userForm label{
  display:grid;
  gap:6px;
  font-weight:600;
  font-size:13px;
  color:var(--text);
}
.userForm input,
.userForm select{
  padding:10px 12px;
  border-radius:8px;
  border:1px solid var(--line);
  background:#fff;
  font-size:13px;
}
.userForm .btn{
  height:40px;
}

.sectionHead{ text-align:center; margin-bottom:42px; }
.sectionHead h2{ font-size:38px; margin:0 0 10px; color:var(--brand); }
.sectionHead p{ margin:0; color:var(--muted); max-width:860px; margin-inline:auto; }

.eligibility .sectionHead h2{
  color:var(--text);
  font-size:28px;
}
.eligibilityList{
  list-style:none;
  margin:18px auto 0;
  padding:0;
  max-width:820px;
  display:grid;
  gap:14px;
  color:var(--text);
}
.eligibilityList li{
  position:relative;
  padding-left:26px;
  line-height:1.7;
}
.eligibilityList li::before{
  content:"\2713";
  position:absolute;
  left:0;
  top:0;
  color:var(--brand);
  font-weight:700;
}
.eligibilityPanel{
  margin-top:40px;
  background:var(--brand-soft);
  padding:48px 0 54px;
}
.panelGrid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:40px;
}
.panelCol h3{
  margin:0 0 14px;
  color:var(--text);
}
.panelNote{
  margin:16px 0 0;
  font-size:12px;
  color:var(--muted);
  font-style:italic;
}
.servicesPanel{
  background:var(--panel);
}
.servicesHead{
  text-align:center;
  margin-bottom:48px;
}
.servicesHead h2{
  font-size:30px;
  letter-spacing:.02em;
  margin:0 0 12px;
  color:#1d2b1f;
  text-transform:uppercase;
}
.servicesHead p{
  margin:0 auto;
  color:#2f3a33;
  max-width:860px;
  line-height:1.7;
}
.servicesGrid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:36px;
  text-align:center;
}
.serviceCard img{
  width:220px;
  height:220px;
  object-fit:cover;
  border-radius:24px;
  margin:0 auto 18px;
  box-shadow:0 12px 26px rgba(15,23,42,.12);
}
.serviceCard h3{
  margin:0 0 10px;
  font-size:22px;
  color:#1d2b1f;
}
.serviceCard p{
  margin:0 auto 18px;
  max-width:320px;
  color:#2f3a33;
  line-height:1.7;
}
.serviceBtn{
  display:inline-block;
  padding:10px 18px;
  background:#6fa06b;
  color:#fff;
  border-radius:6px;
  font-weight:700;
}
.serviceBtn:hover{
  background:#5c8a58;
}

.grid3{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:28px;
}

.card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  overflow:hidden;
  box-shadow:var(--shadow);
}
.cardImg{ width:100%; height:220px; object-fit:cover; }
.cardBody{ padding:18px; }
.cardBody h3{ margin:0 0 10px; color:var(--brand); }
.cardBody p{ margin:0 0 16px; color:var(--muted); line-height:1.55; }

.centerCta{ text-align:center; margin-top:38px; }

.newsCard{ background:transparent; }
.newsImgWrap{
  position:relative;
  border-radius:var(--radius);
  overflow:hidden;
  box-shadow:var(--shadow);
  border:1px solid var(--line);
}
.newsImgWrap img{ width:100%; height:200px; object-fit:cover; }
.dateTag{
  position:absolute;
  top:10px;
  left:10px;
  background:var(--brand);
  color:#fff;
  font-size:12px;
  padding:8px 10px;
  border-radius:6px;
}
.newsCard h3{ margin:14px 0 10px; }
.newsCard p{ margin:0 0 12px; color:var(--muted); line-height:1.55; }
.newsLink{ color:var(--brand); font-weight:600; }

.applyWrap{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:28px;
  align-items:start;
}
.muted{ color:var(--muted); }
.infoBox{
  margin-top:14px;
  padding:14px;
  border:1px solid var(--line);
  border-radius:var(--radius);
  background:var(--panel);
  line-height:1.65;
  color:var(--text);
}

.form{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:18px;
}
.form label{ display:block; margin:10px 0 6px; font-weight:600; }
.form input, .form textarea{
  width:100%;
  padding:12px;
  border-radius:10px;
  border:1px solid var(--line);
  outline:none;
}
.form input:focus, .form textarea:focus{
  border-color:var(--brand);
  box-shadow:0 0 0 4px rgba(75,108,183,.15);
}
.hint{ margin:10px 0 0; color:var(--muted); font-size:12px; }

.center{ display:grid; place-items:center; }
.auth{ width:min(420px, 92vw); }
.alert{
  border:1px solid #fecaca;
  background:#fff1f2;
  color:#7f1d1d;
  padding:10px 12px;
  border-radius:10px;
  margin:10px 0;
}

.loginPage{
  background:linear-gradient(180deg, #ffffff 0%, #f7f9fc 100%);
}
.loginCard{
  display:flex;
  flex-direction:column;
  gap:10px;
  background-color:#ffffff;
  padding:2.5em;
  border-radius:25px;
  transition:.4s ease-in-out;
  box-shadow:rgba(0, 0, 0, 0.4) 1px 2px 2px;
}
.loginCard:hover{
  transform:translateX(-0.5em) translateY(-0.5em);
  border:1px solid #171717;
  box-shadow:10px 10px 0px #666666;
}
.loginCard .heading{
  color:#000000;
  padding-bottom:2em;
  text-align:center;
  font-weight:700;
}
.loginCard label{
  margin-top:6px;
}
.loginCard .input{
  border-radius:5px;
  border:1px solid whitesmoke;
  background-color:whitesmoke;
  outline:none;
  padding:0.7em;
  transition:.4s ease-in-out;
}
.loginCard .input:hover{
  box-shadow:6px 6px 0px #969696,
             -3px -3px 10px #ffffff;
}
.loginCard .input:focus{
  background:#ffffff;
  box-shadow:inset 2px 5px 10px rgba(0,0,0,0.3);
}
.loginCard .btn{
  margin-top:2em;
  align-self:center;
  padding:0.7em 1em;
  border-radius:10px;
  border:none;
  color:#ffffff;
  background:var(--brand);
  transition:.4s ease-in-out;
  box-shadow:rgba(0, 0, 0, 0.4) 1px 1px 1px;
}
.loginCard .btn:hover{
  box-shadow:6px 6px 0px #969696,
             -3px -3px 10px #ffffff;
  transform:translateX(-0.5em) translateY(-0.5em);
}
.loginCard .btn:active{
  transition:.2s;
  transform:translateX(0em) translateY(0em);
  box-shadow:none;
}

.tableWrap{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  overflow-x:auto;
  overflow-y:hidden;
  -webkit-overflow-scrolling:touch;
  box-shadow:var(--shadow);
}
.table{
  width:100%;
  border-collapse:collapse;
}
.table th, .table td{
  padding:14px;
  border-bottom:1px solid var(--line);
  text-align:left;
}
.table th{ background:var(--panel); color:var(--muted); }

.loanTable{
  background:#fff;
}
.ratesHead{
  margin-bottom:18px;
}
.ratesHead h2{
  margin:0 0 8px;
  color:var(--text);
  font-size:24px;
}
.ratesHead p{
  margin:0;
  color:var(--muted);
}
.loanRates{
  text-align:center;
  font-size:14px;
  border-collapse:separate;
  border-spacing:0;
}
.loanRates th, .loanRates td{
  text-align:center;
  padding:12px 10px;
}
.loanRates thead th{
  font-weight:700;
  color:#fff;
  background:var(--brand-dark);
  border-bottom:0;
}
.loanRates tbody tr:nth-child(even){
  background:#f8fafc;
}
.loanRates thead th:first-child{
  border-top-left-radius:12px;
}
.loanRates thead th:last-child{
  border-top-right-radius:12px;
}
.loanRates tbody td:first-child{
  font-weight:700;
  color:var(--brand-dark);
}
.ratesNote{
  margin:14px 0 0;
  color:var(--muted);
  font-size:12px;
}

.aboutSection{
  background:#fff;
}
.aboutHeader{
  text-align:center;
  margin-bottom:20px;
}
.aboutHeader h2{
  margin:0;
  font-size:26px;
  color:var(--text);
}
.aboutCopy{
  max-width:900px;
  margin:0 auto 36px;
  color:var(--text);
  line-height:1.8;
  text-align:center;
}
.aboutCopy p{
  margin:0 0 18px;
}
.aboutWhy{
  text-align:center;
}
.aboutWhy h3{
  margin:0 0 18px;
  color:var(--text);
  font-size:22px;
}
.aboutCards{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:18px;
}
.aboutCard{
  background:#fff;
  border:1px solid var(--line);
  border-radius:12px;
  padding:20px 16px;
  box-shadow:var(--shadow);
}
.aboutCard h4{
  margin:0 0 10px;
  color:var(--brand);
  font-size:16px;
}
.aboutCard p{
  margin:0;
  color:var(--muted);
  line-height:1.6;
}

.footer{
  background:#1f2937;
  color:#cbd5e1;
  padding:60px 0 0;
}
.footerGrid{
  display:grid;
  grid-template-columns: 1.2fr 1fr 1.2fr .8fr;
  gap:24px;
  padding-bottom:40px;
}
.footer h4{ margin:0 0 12px; color:#fff; }
.footerText{ margin:0 0 12px; color:#cbd5e1; line-height:1.6; }
.footerLogoCol{ text-align:center; }
.footerLogo{
  width:72px; height:72px;
  border-radius:999px;
  background:rgba(255,255,255,.08);
  display:grid; place-items:center;
  font-weight:900; color:#fff;
  margin:0 auto 10px;
}
.footerLogo img{
  width:100%;
  height:100%;
  object-fit:cover;
  border-radius:999px;
  display:block;
}
.socialRow{ display:flex; gap:10px; justify-content:center; margin-top:8px; }
.social{
  width:34px; height:34px;
  border-radius:10px;
  border:1px solid rgba(255,255,255,.2);
  display:grid; place-items:center;
  color:#fff;
}
.footerBottom{
  background:var(--brand);
  color:#fff;
  text-align:center;
  padding:14px;
  font-size:13px;
}

/* WhatsApp floating button (Uiverse-style) */
.waFloat{
  position:fixed !important;
  right:24px;
  bottom:24px;
  z-index:9999;
  text-decoration:none;
  display:flex;
  align-items:center;
  visibility:visible;
  opacity:1;
  pointer-events:auto;
}
.waFloat.Btn{
  background-color:#00d757;
}
.Btn{
  display:flex;
  align-items:center;
  justify-content:flex-start;
  width:45px;
  height:45px;
  border:none;
  border-radius:50%;
  cursor:pointer;
  position:relative;
  overflow:hidden;
  transition-duration:0.3s;
  box-shadow:2px 2px 10px rgba(0, 0, 0, 0.199);
  background-color:#00d757;
}
.sign{
  width:100%;
  transition-duration:0.3s;
  display:flex;
  align-items:center;
  justify-content:center;
}
.sign svg{
  width:25px;
}
.sign svg path{
  fill:#ffffff;
}
.text{
  position:absolute;
  right:0%;
  width:0%;
  opacity:0;
  color:#ffffff;
  font-size:1.1em;
  font-weight:600;
  transition-duration:0.3s;
}
.Btn:hover{
  width:150px;
  border-radius:40px;
  transition-duration:0.3s;
}
.Btn:hover .sign{
  width:30%;
  transition-duration:0.3s;
  padding-left:10px;
}
.Btn:hover .text{
  opacity:1;
  width:70%;
  transition-duration:0.3s;
  padding-right:10px;
}
.Btn:active{
  transform:translate(2px, 2px);
}

@media (max-width: 980px){
  .nav{ display:none; }
  .burger{ display:inline-flex; }
  .applyWrap{ grid-template-columns:1fr; }
  .grid3{ grid-template-columns:1fr; }
  .servicesGrid{ grid-template-columns:1fr; }
  .panelGrid{ grid-template-columns:1fr; }
  .aboutCards{ grid-template-columns:1fr; }
  .footerGrid{ grid-template-columns:1fr; text-align:left; }
  .heroCard{ padding:36px 28px; }
  .heroGrid{ grid-template-columns:1fr; text-align:center; }
  .heroContent h1{ font-size:32px; }
  .heroContent p{ margin-inline:auto; }
  .heroPerson{ justify-content:center; }
  .dot{ display:none; }
  .payNowGrid{ grid-template-columns:1fr; }
  .adminCards{ grid-template-columns:1fr; }
  .userForm{ grid-template-columns:1fr; }
}