:root {
    --navy: #0a0e14;
    --gold: #c5a059;
    --white: #ffffff;
    --font-playfair: 'Playfair Display', serif;
    --font-dm: 'DM Sans', sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { background: #0a0e14; scroll-behavior: smooth; }

body { 
    font-family: var(--font-dm); background: #fff; color: #333; line-height: 1.6; opacity: 0; transition: opacity 0.8s ease;
}
body.fonts-loaded { opacity: 1; }

/* NAVIGATION */
nav {
    display: flex; justify-content: center; align-items: center; padding: 12px 0; position: fixed; top: 0; left: 0; width: 100%; z-index: 1000; transition: all 0.3s ease;
}
.nav-container {
    display: flex; justify-content: space-between; align-items: center; width: 100%; max-width: 1200px; padding: 0 20px; margin: 0 auto;
}
nav.dark-nav, nav.scrolled {
    background: #0a0e14; border-bottom: 1px solid rgba(255, 255, 255, 0.1); padding: 8px 0;
}
.logo a { font-family: var(--font-playfair); font-size: 1.6rem; font-weight: 700; color: #fff; text-decoration: none; white-space: nowrap; }
.logo span { color: var(--gold); }
.nav-right { display: flex; align-items: center; gap: 30px; }
.nav-links { display: flex; list-style: none; gap: 20px; align-items: center; }
.nav-links a { color: rgba(255,255,255,0.8); text-decoration: none; font-size: 0.85rem; font-weight: 500; transition: 0.3s; }
.nav-links a:hover { color: var(--gold); }

/* Header Call to Action Button */
.btn-cta {
    background: var(--gold);
    color: var(--navy) !important;
    padding: 8px 18px;
    border-radius: 6px;
    font-weight: 800 !important;
    transition: 0.3s;
    border: 1px solid var(--gold);
}
.btn-cta:hover {
    background: #d4b47a;
    border-color: #d4b47a;
    transform: translateY(-2px);
}

.staff-link {
    background: rgba(255,255,255,0.1); padding: 6px 14px; border-radius: 6px; }

.lang-switch {
    display: flex; gap: 4px; background: rgba(255,255,255,0.05); padding: 3px; border-radius: 6px; border: 1px solid rgba(255,255,255,0.1);
}
.lang-switch button {
    background: none; border: none; color: rgba(255,255,255,0.6); padding: 4px 8px; cursor: pointer; border-radius: 4px; font-size: 0.65rem; font-weight: 800;
}
.lang-switch button.active { background: var(--gold); color: var(--navy); }

/* HERO SECTION */
.hero {
    min-height: 70vh; background: var(--navy); display: flex; align-items: center; justify-content: center; padding: 40px 20px 20px; position: relative; overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; background: radial-gradient(circle at 80% 20%, rgba(197, 160, 89, 0.1), transparent 40%); }
.hero-content { position: relative; z-index: 1; max-width: 1200px; width: 100%; display: flex; justify-content: flex-start; }
.hero-inner { max-width: 850px; }
.hero-badge { display: inline-block; background: rgba(197, 160, 89, 0.1); border: 1px solid rgba(197, 160, 89, 0.2); color: var(--gold); padding: 5px 12px; border-radius: 50px; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 15px; font-weight: 700; }
.hero h1 { font-family: var(--font-playfair); font-size: clamp(2.5rem, 5vw, 4.2rem); color: #fff; line-height: 1.1; margin-bottom: 15px; font-weight: 900; }
.hero h1 em { color: var(--gold); font-style: italic; }
.hero p { font-size: 1.1rem; color: rgba(255,255,255,0.7); margin-bottom: 30px; max-width: 600px; line-height: 1.6; }
.hero-actions { display: flex; gap: 15px; margin-bottom: 40px; }
.btn-primary, .btn-outline { padding: 14px 30px; border-radius: 8px; text-decoration: none; font-weight: 700; font-size: 0.95rem; transition: 0.3s; display: inline-block; }
.btn-primary { background: var(--gold); color: var(--navy); border: 1px solid var(--gold); }
.btn-primary:hover { transform: translateY(-3px); background: #d4b47a; }
.btn-outline { border: 1px solid rgba(255, 255, 255, 0.3); color: #fff; }
.btn-outline:hover { background: rgba(255, 255, 255, 0.05); border-color: #fff; }
.hero-stats { display: flex; gap: 40px; }
.stat-num { font-family: var(--font-playfair); font-size: 1.8rem; color: var(--gold); font-weight: 800; line-height: 1; }
.stat-label { font-size: 0.75rem; color: rgba(255,255,255,0.4); text-transform: uppercase; margin-top: 5px; }

/* GLOBAL SECTIONS */
.loans, .process, .calculator { padding: 60px 5%; }
.section-header { text-align: center; margin-bottom: 40px; }
.label { color: var(--gold); text-transform: uppercase; letter-spacing: 2px; font-weight: 700; font-size: 0.75rem; }
.section-header h2 { font-family: var(--font-playfair); font-size: 2.5rem; margin-top: 5px; color: #333; }
.section-header h2 em { font-style: italic; color: var(--gold); }

/* CALCULATOR */
.calculator { background: #fdfaf3; border-top: 1px solid #eee; border-bottom: 1px solid #eee; }
.calc-container { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 1.5fr 1fr; gap: 40px; background: #fff; padding: 40px; border-radius: 24px; box-shadow: 0 10px 30px rgba(0,0,0,0.03); }
.calc-form { display: grid; gap: 20px; }
.calc-field { display: flex; flex-direction: column; gap: 8px; }
.calc-field label { font-size: 0.8rem; font-weight: 700; color: #666; text-transform: uppercase; }
.calc-field input, .calc-field select { padding: 14px; border: 1px solid #ddd; border-radius: 10px; font-size: 1.1rem; }
.calc-result { background: var(--navy); color: #fff; padding: 40px; border-radius: 20px; text-align: center; display: flex; flex-direction: column; justify-content: center; }
.calc-result h4 { font-size: 0.85rem; color: var(--gold); text-transform: uppercase; margin-bottom: 15px; }
.monthly-payment { font-family: var(--font-playfair); font-size: 3.5rem; font-weight: 800; margin-bottom: 10px; color: var(--gold); }
.calc-result p { font-size: 0.75rem; color: rgba(255,255,255,0.4); line-height: 1.5; }

/* LOANS & PROCESS */
.loans { background: #fdfdfd; }
.loans-grid, .process-steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; max-width: 1200px; margin: 0 auto; }
.loan-card, .step-card { background: #fff; padding: 30px; border-radius: 16px; border: 1px solid #eee; transition: 0.4s; position: relative; display: flex; flex-direction: column; }
.loan-card:hover { transform: translateY(-8px); box-shadow: 0 15px 30px rgba(0,0,0,0.05); }
.loan-card::before { content: ""; position: absolute; top: 0; left: 0; width: 100%; height: 4px; background: var(--accent); border-radius: 16px 16px 0 0; }
.icon { font-size: 2rem; margin-bottom: 15px; }
.loan-card h3, .step-card h3 { font-family: var(--font-playfair); font-size: 1.3rem; margin-bottom: 10px; }
.loan-card p, .step-card p { font-size: 0.9rem; color: #666; margin-bottom: 20px; flex-grow: 1; }
.card-footer { display: flex; justify-content: space-between; align-items: center; }
.tag { background: rgba(0,0,0,0.05); padding: 4px 10px; border-radius: 50px; font-size: 0.75rem; font-weight: 700; }
.arrow { color: #333; text-decoration: none; font-weight: 700; font-size: 0.85rem; }
.step-num { font-family: var(--font-playfair); font-size: 2.5rem; font-weight: 900; color: rgba(197, 160, 89, 0.15); position: absolute; top: 15px; right: 20px; }
.step-card { background: #fdfaf3; border: 1px solid #f0e6d2; }

/* FOOTER */
footer { background: var(--navy); color: #fff; padding: 50px 5% 30px; }
.footer-container { display: flex; justify-content: space-between; max-width: 1200px; margin: 0 auto; margin-bottom: 40px; }
.brand { max-width: 300px; }
.brand p { color: rgba(255,255,255,0.5); font-size: 0.85rem; margin-top: 15px; }
.footer-links { display: flex; gap: 60px; }
.col h4 { color: var(--gold); text-transform: uppercase; font-size: 0.75rem; margin-bottom: 15px; }
.col a, .col p { display: block; color: rgba(255,255,255,0.6); text-decoration: none; font-size: 0.85rem; margin-bottom: 8px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.05); padding-top: 20px; text-align: center; color: rgba(255,255,255,0.3); font-size: 0.75rem; }

/* MODAL STYLES */
.modal { display: none; position: fixed; z-index: 2000; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(10, 14, 20, 0.9); backdrop-filter: blur(5px); overflow-y: auto; }
.modal-content { background-color: #fff; margin: 5% auto; padding: 50px; border-radius: 24px; width: 90%; max-width: 800px; position: relative; animation: slideUp 0.4s ease; line-height: 1.8; color: #444; }
@keyframes slideUp { from { transform: translateY(50px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
.close { position: absolute; right: 25px; top: 20px; color: #aaa; font-size: 28px; font-weight: bold; cursor: pointer; }
.close:hover { color: var(--navy); }

.modal-body h2 { font-family: var(--font-playfair); font-size: 2.2rem; color: var(--navy); margin-bottom: 20px; border-bottom: 2px solid var(--gold); padding-bottom: 10px; display: inline-block; }
.modal-body h3 { font-size: 1.2rem; color: var(--navy); margin: 25px 0 10px; font-weight: 700; }
.modal-body p { margin-bottom: 15px; font-size: 1rem; }

/* RESPONSIVE */
@media (max-width: 1024px) {
    .nav-links { display: none; } .nav-right { gap: 15px; }
}
@media (max-width: 768px) {
    nav { padding: 10px 15px; } .logo a { font-size: 1.3rem; }
    .hero { padding: 80px 20px 30px; text-align: center; justify-content: center; min-height: auto; } .hero h1 { font-size: 2.2rem; }
    .hero-actions { flex-direction: column; width: 100%; gap: 10px; }
    .hero-stats { gap: 20px; justify-content: space-between; width: 100%; margin-top: 30px; }
    .calc-container { grid-template-columns: 1fr; padding: 20px; } .monthly-payment { font-size: 2.8rem; }
    .loans, .process, .calculator { padding: 40px 15px; } .section-header h2 { font-size: 2rem; }
    .loans-grid, .process-steps { grid-template-columns: 1fr; gap: 15px; }
    .footer-container { flex-direction: column; gap: 30px; text-align: center; align-items: center; }
    .brand { max-width: 100%; display: flex; flex-direction: column; align-items: center; }
    .brand p { text-align: center; } .footer-links { justify-content: center; gap: 30px; }
}