:root {
    --primary-blue: #0a2463;
    --secondary-gold: #d4af37;
    --light-blue: #e8f1ff;
    --dark-gray: #333333;
    --light-gray: #f8f9fa;
}

body {
    font-family: 'Open Sans', sans-serif;
    color: var(--dark-gray);
    padding-top: 76px; /* For fixed navbar */
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
}

/* Navigation */
.navbar {
    background: rgba(10, 36, 99, 0.95);
    backdrop-filter: blur(10px);
    transition: all 0.3s ease;
    padding: 1rem 0;
}

.navbar.scrolled {
    padding: 0.5rem 0;
    background: var(--primary-blue);
}

.navbar-brand {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 1.8rem;
}

.brand-text {
    color: white;
}

.brand-sub {
    color: var(--secondary-gold);
}

.nav-link {
    color: white !important;
    font-weight: 500;
    margin: 0 0.5rem;
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--secondary-gold);
    transition: width 0.3s ease;
}

.nav-link:hover::after,
.nav-link.active::after {
    width: 100%;
}

.btn-apply {
    background: var(--secondary-gold);
    color: var(--primary-blue);
    border: none;
    padding: 0.5rem 1.5rem;
    border-radius: 30px;
    font-weight: 600;
    transition: all 0.3s ease;
}

.btn-apply:hover {
    background: #c19b2e;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(212, 175, 55, 0.3);
}

/* Hero Section */
.hero-section {
    background: linear-gradient(rgba(10, 36, 99, 0.8), rgba(10, 36, 99, 0.9)), 
                url('../images/hero-bg.jpg') center/cover no-repeat;
    color: white;
    min-height: 100vh;
    display: flex;
    align-items: center;
    position: relative;
}

.hero-title {
    font-size: 3.5rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
    line-height: 1.2;
}

.hero-subtitle {
    font-size: 1.2rem;
    margin-bottom: 3rem;
    opacity: 0.9;
    line-height: 1.6;
}


.scroll-indicator {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    animation: bounce 2s infinite;
}

.scroll-indicator i {
    color: white;
    font-size: 2rem;
}

@keyframes bounce {
    0%, 100% { transform: translateY(0) translateX(-50%); }
    50% { transform: translateY(-10px) translateX(-50%); }
}

/* Features & Cards */
.features-section {
    background: var(--light-gray);
}

.section-title {
    color: var(--primary-blue);
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.section-subtitle {
    color: #666;
    font-size: 1.1rem;
}

.feature-card {
    background: white;
    padding: 2rem;
    border-radius: 10px;
    text-align: center;
    height: 100%;
    transition: all 0.3s ease;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
    border: 1px solid #eee;
}

.feature-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.1);
}

.feature-icon {
    font-size: 3rem;
    color: var(--secondary-gold);
    margin-bottom: 1.5rem;
}

/* Product Cards */
.product-card {
    background: white;
    border-radius: 15px;
    overflow: hidden;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
    height: 100%;
}

.product-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.12);
}

.product-header {
    background: var(--primary-blue);
    color: white;
    padding: 1.5rem;
    text-align: center;
}

.product-header h4 {
    margin: 0;
    font-size: 1.5rem;
}

.interest-rate {
    font-size: 2rem;
    font-weight: 700;
    color: var(--secondary-gold);
    margin-top: 0.5rem;
}

.product-body {
    padding: 2rem;
}

.product-body ul {
    list-style: none;
    padding: 0;
    margin-bottom: 2rem;
}

.product-body li {
    padding: 0.5rem 0;
    border-bottom: 1px solid #eee;
}

.product-body li:last-child {
    border-bottom: none;
}

.product-body li i {
    color: var(--secondary-gold);
    margin-right: 0.5rem;
}

/* CTA Section */
.cta-section {
    background: linear-gradient(135deg, var(--primary-blue) 0%, #1a3a8a 100%);
    color: white;
}

/* Footer */
.footer {
    background: #1a1a1a;
    color: #999;
}

.footer-brand {
    color: white;
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.footer h5 {
    color: white;
    margin-bottom: 1.5rem;
    font-size: 1.1rem;
}

.footer-links {
    list-style: none;
    padding: 0;
}

.footer-links li {
    margin-bottom: 0.8rem;
}

.footer-links a {
    color: #999;
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-links a:hover {
    color: var(--secondary-gold);
}

.footer-contact li {
    display: flex;
    align-items: flex-start;
    margin-bottom: 1rem;
}

.footer-contact i {
    color: var(--secondary-gold);
    margin-right: 1rem;
    font-size: 1.1rem;
    margin-top: 0.2rem;
}

.social-links a {
    display: inline-block;
    width: 40px;
    height: 40px;
    background: #333;
    border-radius: 50%;
    text-align: center;
    line-height: 40px;
    margin-right: 10px;
    color: white;
    transition: all 0.3s ease;
}

.social-links a:hover {
    background: var(--secondary-gold);
    transform: translateY(-3px);
}

/* Back to Top */
.back-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    background: var(--primary-blue);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
    z-index: 1000;
}

.back-to-top.show {
    opacity: 1;
    visibility: visible;
}

.back-to-top:hover {
    background: var(--secondary-gold);
    color: var(--primary-blue);
}

/* Timeline */
.timeline {
    position: relative;
    max-width: 800px;
    margin: 0 auto;
}

.timeline::before {
    content: '';
    position: absolute;
    left: 50%;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--secondary-gold);
    transform: translateX(-50%);
}

.timeline-item {
    margin-bottom: 3rem;
    position: relative;
    width: 50%;
    padding-right: 3rem;
}

.timeline-item:nth-child(even) {
    margin-left: 50%;
    padding-left: 3rem;
    padding-right: 0;
}

.timeline-date {
    background: var(--secondary-gold);
    color: var(--primary-blue);
    padding: 0.5rem 1rem;
    border-radius: 20px;
    font-weight: 600;
    display: inline-block;
    margin-bottom: 1rem;
}

.timeline-content {
    background: white;
    padding: 1.5rem;
    border-radius: 10px;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
}

/* Responsive Design */
@media (max-width: 768px) {
    .hero-title {
        font-size: 2.5rem;
    }
    
    .timeline::before {
        left: 30px;
    }
    
    .timeline-item,
    .timeline-item:nth-child(even) {
        width: 100%;
        padding-left: 60px;
        padding-right: 0;
        margin-left: 0;
    }
    
    .nav-link {
        margin: 0;
    }
}

/* Animations */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in-up {
    animation: fadeInUp 0.6s ease forwards;
}

/* Process Steps */
.process-step {
    position: relative;
    padding: 2rem 1rem;
}

.step-number {
    width: 60px;
    height: 60px;
    background: var(--primary-blue);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    margin: 0 auto 1.5rem;
    position: relative;
}

.step-number::after {
    content: '';
    position: absolute;
    width: 100%;
    height: 100%;
    border: 2px solid var(--secondary-gold);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0% {
        transform: scale(1);
        opacity: 1;
    }
    100% {
        transform: scale(1.5);
        opacity: 0;
    }
}

/* Form Styles */
.form-control, .form-select {
    padding: 0.75rem 1rem;
    border: 1px solid #ddd;
    border-radius: 8px;
    transition: all 0.3s ease;
}

.form-control:focus, .form-select:focus {
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 0.25rem rgba(10, 36, 99, 0.1);
}

/* Button Styles */
.btn-primary {
    background: var(--primary-blue);
    border: none;
    padding: 0.75rem 2rem;
    border-radius: 30px;
    font-weight: 600;
    transition: all 0.3s ease;
}

.btn-primary:hover {
    background: #082254;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(10, 36, 99, 0.3);
}

.btn-outline-light {
    border: 2px solid white;
    color: white;
    padding: 0.75rem 2rem;
    border-radius: 30px;
    font-weight: 600;
    transition: all 0.3s ease;
}

.btn-outline-light:hover {
    background: white;
    color: var(--primary-blue);
    transform: translateY(-2px);
}

.btn-outline-primary {
    border: 2px solid var(--primary-blue);
    color: var(--primary-blue);
    padding: 0.75rem 2rem;
    border-radius: 30px;
    font-weight: 600;
    transition: all 0.3s ease;
    width: 100%;
}

.btn-outline-primary:hover {
    background: var(--primary-blue);
    color: white;
    transform: translateY(-2px);
}