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



body{
font-family: 'Poppins', sans-serif;
}

html{
scroll-behavior:smooth;
} 

/* CONTACT ITEM */


/* HERO SECTION */
.hero {
  position: relative;
  min-height: 520px;
  padding-top: 110px;
  padding-bottom: 50px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  width: 100%;
}

.hero-bg-video {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  min-width: 100%;
  min-height: 100%;
  object-fit: cover;
  object-position: center center;
  z-index: 0;          
}

.hero-container,
.hero-content,
.hero-image {
  min-width: 0;
}

.hero::before {
  content: "";
  position: absolute;   
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.65);
  z-index: 1;
}

.hero-container {
  display: flex;
  position: relative;
  z-index: 2;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  width: 90%;
  max-width: 1200px;
  margin: 0 auto;
}

/* TEXT */
.hero-content {
  flex: 1;
  padding-left: 20px;
}

.hero-content h1 {
  font-size: 45px;
  line-height: 1.3;
  margin-bottom: 20px;
  color:#fff;
}

.hero-content h1 span {
  color: #ffd54f;
  margin-bottom: 20px;
}

.hero-content p {
  font-size: 19px;
  margin-bottom: 35px;
  max-width: 520px;
  opacity: 0.95;
  color:#fff;
  line-height: 1.6;
}

/* BUTTON */
.hero-btn {
  display: inline-block;
  padding: 12px 28px;
  border: 1.5px solid #fff;
  background: transparent;
  color: #fff;
  border-radius: 30px;
  text-decoration: none;
  font-weight: 600;
  cursor: pointer;
  transition: 0.3s ease;
}

.hero-btn:hover {
  background: #fff;
  color: #0f9db3;
  transform: translateY(-2px);
}

/* IMAGE */
.hero-image {
  flex: 1;
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-image img {
  width: 100%;
  max-width: 460px;
  height: auto;
}

/* ANIMATION BASE */
.fade-up {
  opacity: 0;
  transform: translateY(40px);
  transition: all 0.8s ease;
}

.fade-up.show {
  opacity: 1;
  transform: translateY(0);
}

/* OPTIONAL DELAY */
.delay {
  transition-delay: 0.3s;
}

/* RESPONSIVE */
@media (max-width: 992px) {
  .hero {
    min-height: auto;
    padding-top: 105px;
    padding-bottom: 40px;
  }

  .hero-container {
    flex-direction: column;
    text-align: center;
    gap: 30px;
  }

  .hero-content {
    padding-left: 0;
  }

  .hero-content h1 {
    font-size: 32px;
  }

  .hero-content p {
    font-size: 16px;
    margin: 0 auto 25px;
  }

  .hero-image img {
    max-width: 300px;
  }
}

@media (max-width: 600px) {
  .hero {
    padding-top: 95px;
    padding-bottom: 30px;
  }

  .hero-content h1 {
    font-size: 26px;
  }
}


/* SECTION */
.loans {
  padding: 80px 8%;
  background: #f7f7f7;
  text-align: center;
}

.section-title {
  font-size: 40px;
  margin-bottom: 50px;
  margin-top:-60px;
}

.section-title span {
  color: #d8aa43;
}

/* GRID */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

/* CARD FIX */
.loan-card {
  background: #cfeaf0;
  padding: 25px 20px;
  border-radius: 10px;
  display: flex;
  flex-direction: column;
  justify-content: space-between; /* KEY FIX */
  align-items: center;
  text-align: center;
  min-height: 260px; /* SAME HEIGHT */
  transition: 0.3s ease;
  box-shadow: 0 4px 10px rgba(0,0,0,0.05);
}

.loan-card:hover {
  transform: translateY(-10px);
}

/* TITLE */
.loan-card h3 {
  margin-bottom: 10px;
  font-size: 20px;
}

/* DESCRIPTION */
.loan-card p {
  font-size: 18px;
  margin-bottom: 10px;
  color: #333;
  min-height: 40px; /* ALIGN TEXT */
}

/* IMAGE */
.loan-card img {
  width: 170px;   /* increased size */
  height: 170px;  /* keep equal for alignment */
  object-fit: contain;
  margin: 5px 0;
}
/* BUTTON */
.loan-card button {
  margin-top: auto; /* PUSH TO BOTTOM */
  padding: 6px 14px;
  border: none;
  border-radius: 6px;
  background: #fff;
  cursor: pointer;
  font-size: 12px;
  transition: 0.3s;
}

.loan-card button:hover {
  background: #0f9db3;
  color: #fff;
}

.loan-btn {
  display: inline-block;
  margin-top: auto;
  padding: 6px 14px;
  border-radius: 6px;
  background: #fff;
  font-size: 15px;
  text-decoration: none;
  color: #000;
  transition: 0.3s;
}

.loan-btn:hover {
  background: #0f9db3;
  color: #fff;
}
/* RESPONSIVE */
@media (max-width: 992px) {
  .loan-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .loan-grid {
    grid-template-columns: 1fr;
  }
  

  .section-title {
    font-size: 22px;
  }
}
@media (max-width: 600px) {
  .loan-card img {
    width: 100px;
    height: 100px;
  }
}


/* SECTION */
.apply {
  padding: 10px 5%;
  background: #fff;

}

/* LAYOUT */
.apply-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin: 0 100px;


}

/* TITLE */
.apply-content h2 {
  font-size: 35px;
  margin-bottom:40px;
  
  margin-top:-90px;
}

.apply-content h2 span {
  color: #d8aa43;
}

/* STEPS */
.steps {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* SINGLE STEP */
.step {
  display: flex;
  align-items: flex-start;
  gap: 15px;
}

/* NUMBER CIRCLE */
.step span {
  min-width: 30px;
  height: 30px;
  background: #0f9db3;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
}

/* TEXT */
.step h4 {
  font-size: 18px;
  margin-bottom: 5px;
}

.step p {
  font-size: 18px;
  color: #555;
}

/* BUTTON */
.apply-btn {
  display: inline-block;
  margin-top: 12px;
  margin-left: 210px;
  padding: 10px 20px;
  border: 1px solid #0f9db3;
  border-radius: 25px;
  text-decoration: none;
  color: #0f9db3;
  transition: 0.3s;
}

.apply-btn:hover {
  background: #0f9db3;
  color: #fff;
}

/* IMAGE */
.apply-image img {
   width: 550px;   /* increased size */
  height: 550px;  /* keep equal for alignment */
  object-fit: contain;
  margin: 5px 0;
}

/* RESPONSIVE */
@media (max-width: 992px) {
  .apply-container {
    flex-direction: column;
    text-align: center;
   
  }

  .step {
    justify-content: center;
    text-align: left;
 
  }
}

@media (max-width: 600px) {
  .apply-content h2 {
    font-size: 22px;
  }
}


/* ================== LARGE LAPTOP (1200px ↓) ================== */
@media (max-width: 1200px) {

    .apply-container {
        margin: 0 40px;   /* reduce side margin */
        gap: 30px;
    }

    .apply-image img {
        width: 450px;
        height: 450px;
    }

    .apply-content h2 {
        font-size: 30px;
    }
}


/* ================== TABLET (992px ↓) ================== */
@media (max-width: 992px) {

    .apply-container {
        margin: 0 20px;
        gap: 20px;
    }

    .apply-image img {
        width: 380px;
        height: 380px;
    }

    .apply-content h2 {
        font-size: 26px;
    }

    .step h4 {
        font-size: 18px;
    }

  .step p {
    font-size: 18px;
  }

  .apply-btn {
    margin-left: 0;
  }
}


/* ================== MOBILE (768px ↓) ================== */
@media (max-width: 768px) {

    .apply-container {
        flex-direction: column;
        text-align: center;
        margin: 0 15px;
        gap: 30px;
    }

    .apply-content h2 {
        font-size: 24px;
        margin-bottom: 25px;
    }

    .steps {
        align-items: center;
    }

    .step {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .apply-image img {
        width: 100%;
        max-width: 300px;
        height: auto;
    }

    .apply-btn {
        margin-top: 20px;
        margin-left: 0;
    }
}


/* ================== SMALL MOBILE (480px ↓) ================== */
@media (max-width: 480px) {

    .apply-content h2 {
        font-size: 20px;
    }

    .apply-image img {
        max-width: 250px;
    }

    .step h4 {
        font-size: 18px;
    }

    .step p {
        font-size: 18px;
    }
}


/* ================== EXTRA SMALL (360px ↓) ================== */
@media (max-width: 360px) {

    .apply-container {
        margin: 0 10px;
    }

    .apply-content h2 {
        font-size: 18px;
    }

    .apply-image img {
        max-width: 220px;
    }
}

/* SECTION */


.nt {
  text-align: center;
  padding-top:10px;
  padding-bottom:30px; 

}
/* SECTION */
.loan-amount {
  text-align: center;
  padding-top: 10px;
  padding-bottom: 30px;
  overflow: hidden;
  width: 100%;
}

/* LOAN AMOUNT - AUTO SCROLL MARQUEE */
.amount-slider-wrap {
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  margin-left: 0;
  margin-top: 40px;
  -webkit-mask-image: linear-gradient(to right, transparent, #000 5%, #000 95%, transparent);
  mask-image: linear-gradient(to right, transparent, #000 5%, #000 95%, transparent);
}

.amount-track {
  display: flex;
  gap: 25px;
  width: max-content;
  animation: scrollAmounts 28s linear infinite;
  will-change: transform;
}

.amount-card {
  flex: 0 0 200px;
  height: 160px;
  box-sizing: border-box;
  background: #d8eef3;
  padding: 15px;
  border-radius: 12px;
  text-align: center;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  transition: transform .3s ease, box-shadow .3s ease;
}

.amount-card img {
  width: 80px;
  height: 80px;
  object-fit: contain;
  margin-bottom: 8px;
}

.amount-card p {
  font-weight: 600;
}

.amount-card span {
  font-size: 12px;
  color: #555;
}

@keyframes scrollAmounts {
  from { transform: translateX(0); }
  to { transform: translateX(calc(-50% - 12.5px)); }
}

@media (hover: hover) {
  .amount-card:hover {
    transform: translateY(-6px) scale(1.03);
    box-shadow: 0 10px 25px rgba(0,0,0,0.15);
  }
}

@media (prefers-reduced-motion: reduce) {
  .amount-track {
    animation: none;
  }
}

@media (max-width: 600px) {
  .amount-card {
    flex: 0 0 140px;
    height: 130px;
  }
  .amount-card img {
    width: 45px;
    height: 45px;
  }
}





.amount-card:hover {
  transform: translateY(-8px);
}

/* IMAGE */
.amount-card img {
  width: 70px;
  margin-bottom: 10px;
}

/* TEXT */
.amount-card h3 {
  font-size: 16px;
  margin-loan-amoubottom: 5px;
}

.amount-card p {
  font-size: 13px;
  color: #444;
}

.amount-card:hover {
  transform: translateY(-8px) scale(1.03);
  box-shadow: 0 10px 25px rgba(0,0,0,0.1);
}

/* RESPONSIVE */
@media (max-width: 992px) {
  .amount-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .amount-grid {
    grid-template-columns: 1fr;
  }
}

/* CONTAINER */
.slider-container {
  position: relative;
  max-width: 850px;
  margin: 40px auto;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* SLIDER TRACK */
/* LOAN AMOUNT - AUTO SCROLL MARQUEE */
.amount-slider-wrap {
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  margin-left: 0;
  -webkit-mask-image: linear-gradient(to right, transparent, #000 5%, #000 95%, transparent);
  mask-image: linear-gradient(to right, transparent, #000 5%, #000 95%, transparent);
}

/* CARD FIX */
/* CARD */
.amount-card {
  flex: 0 0 200px;
  height: 160px;
  box-sizing: border-box;
  background: #d8eef3;
  padding: 15px;
  border-radius: 12px;
  text-align: center;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  transition: transform .3s ease, box-shadow .3s ease;
}

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

/* IMAGE FIX */
.amount-card img {
  width: 80px;
  height: 80px;
  object-fit: contain;
  margin-bottom: 8px;
}

.amount-card p {
  font-weight: 600;
}

.amount-card span {
  font-size: 12px;
  color: #555;
}
@keyframes scrollAmounts {
  from { transform: translateX(0); }
  to { transform: translateX(calc(-50% - 12.5px)); }
}

@media (hover: hover) {
  .amount-card:hover {
    transform: translateY(-6px) scale(1.03);
    box-shadow: 0 10px 25px rgba(0,0,0,0.15);
  }
}

@media (prefers-reduced-motion: reduce) {
  .amount-track {
    animation: none;
  }
}

@media (max-width: 600px) {
  .amount-card {
    flex: 0 0 140px;
    height: 130px;
  }
  .amount-card img {
    width: 45px;
    height: 45px;
  }
}

/* NAV BUTTONS */
.nav-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  background: #fff;
  border: none;
  font-size: 20px;
  cursor: pointer;
  padding: 10px 14px;
  border-radius: 50%;
  box-shadow: 0 2px 10px rgba(0,0,0,0.2);
  z-index: 10;
}

/* PERFECT POSITION */
.nav-btn.left {
  left: -30px;
}

.nav-btn.right {
  right: -30px;
}

.nav-btn:hover {
  background: #0f9db3;
  color: #fff;
}

/* RESPONSIVE */
@media (max-width: 600px) {
  .amount-card {
    min-width: 140px;
  }
}

@media (max-width: 992px) {
  .amount-card {
    min-width: 150px;
    height: 140px;
  }

  .nav-btn.left {
    left: -10px;
  }

  .nav-btn.right {
    right: -10px;
  }
}

@media (max-width: 600px) {

  .slider-container {
    padding: 0 30px; /* space for arrows */
  }

  .amount-slider {
    gap: 15px;
  }

  .amount-card {
    min-width: 130px;
    height: 130px;
  }

  .amount-card img {
    width: 45px;
  }

  /* arrows inside */
  .nav-btn.left {
    left: 0;
  }

  .nav-btn.right {
    right: 0;
  }
}

/* SECTION */
.eligibility {
  padding-top:30px;;
  padding-bottom:40px;
  background: #f7f7f7;
}

/* LAYOUT */
.eligibility-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 50px;
  max-width: 1200px;
  margin: 0 auto;
}

/* IMAGE */
.eligibility-image {
  flex: 0 0 45%;
  text-align: center;
  transform: translateX(32px);
}

.eligibility-image img {
  display: block;
  width: min(100%, 560px);
  height: auto;
  margin: 0 auto;
}

/* CONTENT */
.eligibility-content {
  flex: 1 1 55%;
  transform: translateX(-32px);
}

.eligibility h2 {
  font-size: 28px;
  margin-bottom: 30px;
  text-align: center;
}

.eligibility span {
  color: black;
}

/* GRID */
.eligibility-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  grid-auto-rows: 240px;
  width:100%;
  width:750px;
   transform: translateX(-30px);
}

/* CARD */
/* CARD */
.eligibility-card {
  position: relative;
  background: #fff;
  padding: 25px 20px;
  border-radius: 10px;
  border: 1px solid #ddd;
  transition: 0.3s;
  text-align: left;
  height: 100%;
 
  
}

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

/* ICON TOP LEFT */
.eligibility-card .icon {
  width: 50px;
  height: 50px;
  margin-bottom: 10px;
}

.eligibility-card .icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}


/* TEXT */
.eligibility-card h4 {
  margin-bottom: 6px;
  font-size: 20px;
}

.eligibility-card p {
  font-size: 20px;
  line-height: 1.5;
  color: #555;
}
/* RESPONSIVE */
@media (max-width: 992px) {
  .eligibility-container {
    flex-direction: column;
    text-align: center;
  }

  .eligibility-image,
  .eligibility-content {
    flex-basis: auto;
    transform: none;
  }

  .eligibility-grid {
    grid-template-columns: 1fr;
    grid-auto-rows: auto;
    width: 100%;
    max-width: 100%;
    transform: none;
  }

  .eligibility-card {
    min-height: 190px;
  }
}

@media (max-width: 600px) {
  .eligibility-content h2 {
    font-size: 22px;
  }
}


/* CTA SECTION */
.cta-section{
  padding:40px 8%;
  background:#fff;
  margin-top:-30px;
  display:flex;
  justify-content:center;
}

.cta-container{
  text-align:center;
  max-width:900px;
  width:100%;
  background:linear-gradient(135deg,#0b2027,#075e6e);
  padding:60px 50px;
  border-radius:20px;
  color:#fff;
  box-shadow:0 20px 45px rgba(11,32,39,0.18);
}

.cta-container h2{
  font-size:36px;
  font-weight:600;
  color:#fff;
  margin-bottom:16px;
  font-family:Georgia, "Times New Roman", serif;
}

.cta-container h2 span{
  color:#f2c469;
}

.cta-container p{
  color:#cfe4e8;
  font-size:16px;
  margin-bottom:30px;
  line-height:1.7;
}

/* BUTTON */
.cta-btn{
  display:inline-block;
  padding:12px 28px;
  border-radius:8px;
  background:transparent;
  color:#fff;
  border:1px solid #d8aa43;
  font-weight:500;
  text-decoration:none;
  transition:all .3s ease;
}

.cta-btn:hover{
  background:#d8aa43;
  color:#0b2027;
  transform:translateY(-3px);
}

@media(max-width:768px){
  .cta-container h2{ font-size:26px; }
  .cta-container p{ font-size:14px; }
}

@media(max-width:600px){
  .cta-section{ padding:32px 20px; }
  .cta-container{ padding:44px 24px; }
  .cta-container h2{ font-size:28px; }
}