* {
  box-sizing: border-box;
}

:root {
  --primary: #1a3c8f;
  --accent: #f97316;
  --success: #10b981;
  --danger: #ef4444;
  --ink: #0f172a;
  --muted: #64748b;
  --bg: #f4f7fb;
  --card: #ffffff;
  --radius: 16px;
  --shadow: 0 12px 28px rgba(15, 23, 42, 0.1);
}

html,
body {
  margin: 0;
  padding: 0;
  font-family: "Segoe UI", Tahoma, Verdana, sans-serif;
  color: var(--ink);
  background: linear-gradient(180deg, #f8fbff 0%, #eef3fb 100%);
}

a {
  color: inherit;
  text-decoration: none;
}

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  border: none;
  padding: 11px 18px;
  cursor: pointer;
  font-weight: 700;
  transition: 0.25s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  color: #fff;
  background: linear-gradient(120deg, #1a3c8f, #2f59bc);
}

.btn-accent {
  color: #fff;
  background: linear-gradient(120deg, #f97316, #fb923c);
}

.btn-ghost {
  color: var(--primary);
  background: #fff;
  border: 1px solid #d6deee;
}

.loan-header {
  position: sticky;
  top: 0;
  z-index: 80;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid #dbe4f3;
}

.nav {
  min-height: 68px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 18px;
}

.brand {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary);
}

.brand span {
  color: var(--accent);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 14px;
}

.nav-links a.active,
.nav-links a:hover {
  color: var(--primary);
}

.hero {
  padding: 72px 0 50px;
  color: #fff;
}

.hero-default {
  background: linear-gradient(130deg, #123278, #1a3c8f 56%, #f97316);
}

.hero-home {
  background: linear-gradient(130deg, #1d7f5d, #10b981);
}

.hero-auto {
  background: linear-gradient(130deg, #0f766e, #14b8a6);
}

.hero-personal {
  background: linear-gradient(130deg, #b91c1c, #ef4444);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 22px;
  align-items: center;
}

.hero h1 {
  margin: 0 0 12px;
  font-size: clamp(2rem, 3.8vw, 3rem);
}

.hero p {
  margin: 0 0 16px;
  color: rgba(255, 255, 255, 0.9);
}

.trust-badges,
.stat-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
  gap: 8px;
}

.pill,
.stat {
  background: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 12px;
  padding: 10px;
}

.section {
  padding: 60px 0;
}

.section-title {
  margin: 0 0 8px;
  font-size: clamp(1.6rem, 2vw, 2.2rem);
}

.section-sub {
  margin: 0 0 26px;
  color: var(--muted);
}

.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 16px;
}

.card {
  background: var(--card);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 20px;
}

.card ul {
  margin: 10px 0 16px;
  padding-left: 18px;
  color: #334155;
}

.top-panel {
  border-radius: 14px;
  padding: 16px;
  color: #fff;
  margin-bottom: 12px;
}

.top-home {
  background: linear-gradient(120deg, #1d7f5d, #10b981);
}

.top-auto {
  background: linear-gradient(120deg, #0f766e, #14b8a6);
}

.top-personal {
  background: linear-gradient(120deg, #b91c1c, #ef4444);
}

.metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin: 12px 0;
}

.metric {
  background: #f1f5f9;
  border-radius: 10px;
  padding: 8px;
  text-align: center;
  font-size: 0.85rem;
}

.compare-table {
  overflow: auto;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 820px;
}

th,
td {
  padding: 10px;
  border-bottom: 1px solid #e2e8f0;
  text-align: left;
}

th {
  background: #f8fafc;
}

.cta-banner {
  background: linear-gradient(120deg, #1a3c8f, #f97316);
  color: #fff;
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
}

.loan-layout {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 16px;
}

.sidebar .card {
  margin-bottom: 12px;
}

.rate-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.rate-list li {
  display: flex;
  justify-content: space-between;
  border-bottom: 1px dashed #d8e2f0;
  padding: 8px 0;
}

.spec-grid,
.eligibility,
.docs-grid,
.feature-check {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
  gap: 10px;
}

.spec,
.eligibility div,
.docs-grid div,
.feature-check div {
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  padding: 10px;
}

.timeline {
  border-left: 3px solid #cbd5e1;
  margin-left: 8px;
  padding-left: 18px;
}

.timeline .step {
  margin: 12px 0;
}

.calc-result {
  margin-top: 10px;
  padding: 10px;
  border-radius: 10px;
  background: #ecfeff;
  border: 1px solid #99f6e4;
}

.accordion-item {
  border: 1px solid #d8e1ef;
  border-radius: 12px;
  margin-bottom: 8px;
  overflow: hidden;
}

.acc-btn {
  width: 100%;
  border: none;
  background: #fff;
  text-align: left;
  padding: 13px;
  cursor: pointer;
  font-weight: 700;
}

.acc-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  padding: 0 13px;
}

.acc-content.open {
  padding: 0 13px 12px;
}

.footer {
  margin-top: 60px;
  background: #0f1f4a;
  color: #d1d5db;
}

.footer .container {
  padding: 34px 0;
}

@media (max-width: 900px) {
  .hero-grid,
  .loan-layout {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 700px) {
  .nav {
    flex-wrap: wrap;
    padding: 10px 0;
  }

  .nav-links {
    width: 100%;
    justify-content: space-between;
    flex-wrap: wrap;
  }
}