*,:after,:before{box-sizing:border-box}body,h1,h2,h3,h4,li,p,ul{margin:0;padding:0}body{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;background-color:#f4f4f4;color:#333;font-family:Roboto,Segoe UI,Helvetica Neue,Arial,sans-serif;line-height:1.5}a{color:#004a99;text-decoration:none}a:hover{text-decoration:underline}.custom-button{background-color:#004a99;border:none;border-radius:5px;color:#fff;cursor:pointer;font-size:16px;font-weight:500;padding:10px 20px;transition:background-color .3s ease}.custom-button:hover{background-color:#036}.navbar{background:#1c1b1b;box-shadow:0 4px 10px #0000004d;font-size:1.2rem;justify-content:center;position:-webkit-sticky;position:sticky;top:0;z-index:9999}.navbar,.navbar-container{align-items:center;display:flex;height:80px}.navbar-container{justify-content:space-between;max-width:1500px;padding:0 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(max-width:960px){.nav-button-container{display:none}.menu-icon{cursor:pointer;display:block;font-size:1.8rem;right:0;transform:translate(-100%,40%);z-index:10000}.menu-icon,.nav-menu{position:absolute;top:0}.nav-menu{background-color:#1c1b1b;display:flex;flex-direction:column;height:100vh;left:-100%;opacity:1;padding-top:100px;transition:all .5s ease;width:100%;z-index:9998}.nav-menu.active{left:0;opacity:1}.nav-links{display:table;font-size:1.5rem;padding:1.5rem;text-align:center;width:100%}.nav-item-mobile{display:block;margin-top:20px;text-align:center}.mobile-auth-buttons{align-items:center;display:flex;flex-direction:column;gap:20px}.nav-links-mobile{background-color:initial;border:2px solid #fff;border-radius:4px;color:#fff;display:block;font-size:1.2rem;padding:12px 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ease-out}.animate-on-scroll.visible{opacity:1;transform:translateY(0)}.section-header h2{color:#002d62;font-size:2.5rem}.underline{background:#28a745;border-radius:2px;margin:0 auto 15px}.hero-section{align-items:center;background:url(https://images.unsplash.com/photo-1565514020179-0222d78944f3?ixlib=rb-1.2.1&auto=format&fit=crop&w=1950&q=80) 50%/cover no-repeat;color:#fff;display:flex;height:90vh;justify-content:center;position:relative;text-align:center}.hero-overlay{background:linear-gradient(135deg,#002d62e6,#0009);bottom:0;left:0;position:absolute;right:0;top:0}.hero-content{padding:20px;position:relative;z-index:2}.hero-badge{background:#fff3;border:1px solid #fff6;border-radius:20px;display:inline-block;font-size:.9rem;letter-spacing:1px;margin-bottom:20px;padding:5px 15px;text-transform:uppercase}.hero-content h1{font-weight:800}.hero-content p{font-size:1.25rem}.hero-buttons{display:flex;gap:15px;justify-content:center}.secondary-btn{background:#0000;border:2px solid 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#0000001a;transform:translateY(-10px)}.icon-box{align-items:center;background:#f0f8ff;border-radius:50%;display:flex;font-size:3rem;height:80px;justify-content:center;margin-bottom:20px;margin-left:auto;margin-right:auto;width:80px}.how-it-works{background:#f4f7f6;padding:80px 20px;text-align:center}.steps-container{align-items:flex-start;display:flex;flex-wrap:wrap;justify-content:center;margin:0 auto;max-width:1000px}.step-item{flex:1 1;min-width:200px;padding:20px;position:relative}.step-number{align-items:center;background:#002d62;border-radius:50%;color:#fff;display:flex;font-size:1.5rem;font-weight:700;height:50px;justify-content:center;margin:0 auto 20px;width:50px}.step-line{background:#ddd;height:2px;margin-top:45px;width:100px}.stats-section{background:url(https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?ixlib=rb-1.2.1&auto=format&fit=crop&w=1950&q=80) fixed 50%;color:#fff;padding:80px 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20px;text-align:center}.newsletter-form{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:20px}.newsletter-form input{border:none;border-radius:30px;font-size:1rem;padding:15px 20px;width:300px}.newsletter-form button{background:#002d62;border:none;border-radius:30px;color:#fff;cursor:pointer;font-weight:700;padding:15px 30px;transition:background .3s}.newsletter-form button:hover{background:#001f44}.cta-section{background:#fff;padding:80px 20px;text-align:center}.cta-content{margin:0 auto;max-width:800px}.cta-content h2{color:#333;font-size:2.5rem;margin-bottom:15px}.cta-btn{background:#002d62;border-radius:50px;box-shadow:0 10px 20px #002d624d;color:#fff;font-size:1.2rem;margin-top:20px;padding:15px 40px}.cta-btn:hover{transform:translateY(-5px)}@media (max-width:768px){.hero-content h1{font-size:2.5rem}.hero-buttons,.steps-container{flex-direction:column}.steps-container{align-items:center}.step-line{display:none}.step-item{margin-bottom:30px}}.loan-calculator-container{background:#fff;border:1px solid #e0e0e0;border-radius:8px;box-shadow:0 4px 12px #0000000d;margin:40px auto;max-width:500px;padding:30px}.loan-calculator-container h2{color:#333;margin-bottom:25px;text-align:center}.input-group input{box-sizing:border-box}.loan-calculator-container .custom-button{font-size:18px;padding:12px;width:100%}.emi-result{background-color:#f4f8ff;border-radius:8px;margin-top:30px;padding:20px;text-align:center}.emi-result h3{color:#555;font-weight:500;margin:0 0 10px}.emi-result .emi-amount{color:#004a99;font-size:2.2rem;font-weight:700}.loans-page{background-color:#f9f9f9;color:#333;font-family:Segoe UI,Tahoma,Geneva,Verdana,sans-serif}.loans-container{margin:0 auto;max-width:1200px;padding:40px 20px}.loans-hero{align-items:center;background:linear-gradient(135deg,#004e92,#000428);color:#fff;display:flex;flex-direction:column;justify-content:center;padding:100px 20px;position:relative;text-align:center}.hero-content{max-width:800px;width:100%}.hero-content h1{font-size:3.5rem;line-height:1.2;margin-bottom:20px}.hero-content p{font-size:1.3rem;margin-bottom:35px;margin-left:auto;margin-right:auto;max-width:600px}.hero-cta{background-color:#28a745;border:none;border-radius:50px;box-shadow:0 4px 15px #28a74566;color:#fff;cursor:pointer;font-size:1.2rem;font-weight:600;padding:15px 40px;transition:all .3s ease}.hero-cta:hover{background-color:#218838;box-shadow:0 6px 20px #28a74599;transform:translateY(-3px)}.section-header{margin-bottom:50px;text-align:center}.section-header h2{color:#2c3e50;font-size:2.2rem;margin-bottom:10px}.underline{background-color:#28a745;height:4px;margin:0 auto;width:60px}.loan-grid{grid-gap:30px;display:grid;gap:30px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));margin-bottom:80px}.loan-card{background:#fff;border-radius:12px;border-top:4px solid #0000;box-shadow:0 5px 15px #0000000d;overflow:hidden;padding:30px;position:relative;text-align:center;transition:transform .3s,box-shadow .3s}.loan-card:hover{border-top-color:#28a745;box-shadow:0 15px 30px #0000001a;transform:translateY(-10px)}.card-icon{color:#004e92;font-size:2.5rem;margin-bottom:20px}.loan-card h3{color:#333;margin:10px 0}.loan-desc{color:#666;font-size:.95rem;margin-bottom:20px;min-height:60px}.loan-stats{background-color:#f8f9fa;border-radius:8px;display:flex;justify-content:space-between;margin-bottom:20px;padding:10px}.stat{display:flex;flex-direction:column}.stat span{color:#888;font-size:.8rem}.stat strong{color:#004e92;font-size:1rem}.btn-apply{background-color:#004e92;border-radius:5px;color:#fff;display:inline-block;font-weight:600;padding:10px 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#0000000d;cursor:pointer;margin-bottom:10px;overflow:hidden}.faq-question{align-items:center;background-color:#fff;display:flex;font-weight:600;justify-content:space-between;padding:20px;transition:background .3s}.faq-question:hover{background-color:#f8f9fa}.faq-answer{animation:slideDown .3s ease-out;border-top:1px solid #eee;color:#555;line-height:1.6;padding:0 20px 20px}.rotate{transform:rotate(180deg);transition:transform .3s}@keyframes slideDown{0%{opacity:0;transform:translateY(-10px)}to{opacity:1;transform:translateY(0)}}@media (max-width:768px){.hero-content h1{font-size:2rem}.features-calculator-split{flex-direction:column}}.investments-page{background-color:#f4f7f6;color:#333;font-family:Segoe UI,Tahoma,Geneva,Verdana,sans-serif}.invest-hero{align-items:center;background:linear-gradient(90deg,#434343,#000);color:#fff;display:flex;flex-direction:column;justify-content:center;padding:80px 20px;text-align:center}.hero-content h1{font-size:3rem;font-weight:700;margin-bottom:10px}.hero-content p{font-size:1.2rem;margin-bottom:30px;opacity:.9}.cta-btn{background:#00f2fe;border:none;border-radius:30px;color:#000;cursor:pointer;font-weight:700;padding:12px 30px;transition:transform .2s}.cta-btn:hover{background:#4facfe;transform:scale(1.05)}.market-ticker{background:#111;border-bottom:2px solid #333;color:#0f0;font-family:monospace;overflow:hidden;padding:10px 0;white-space:nowrap}.ticker-track{animation:scrollTicker 15s linear infinite;display:inline-block}.ticker-track span{font-weight:700;margin-right:50px}@keyframes scrollTicker{0%{transform:translateX(0)}to{transform:translateX(-50%)}}.invest-container{margin:0 auto;max-width:1200px;padding:40px 20px}.plans-section h2{color:#333;margin-bottom:40px;text-align:center}.plans-grid{grid-gap:30px;display:grid;gap:30px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));margin-bottom:60px}.plan-card{background:#fff;border-radius:15px;box-shadow:0 10px 20px #0000000d;overflow:hidden;transition:transform .3s}.plan-card:hover{transform:translateY(-10px)}.card-header{color:#fff;padding:20px;text-align:center}.card-header i{font-size:2rem;margin-bottom:10px}.card-header h3{margin:0}.card-body{padding:25px}.plan-details{border-bottom:1px solid #eee;border-top:1px solid #eee;margin:20px 0;padding:15px 0}.detail-row{font-size:.95rem;margin-bottom:8px}.invest-btn{background:#333;border:none;border-radius:5px;color:#fff;cursor:pointer;padding:10px;width:100%}.invest-btn:hover{background:#000}.calculator-section{background:#fff;border-radius:15px;box-shadow:0 10px 30px #0000001a;margin-bottom:60px;overflow:hidden}.calc-container{display:flex;flex-wrap:wrap}.calc-inputs{flex:1 1;min-width:300px;padding:40px}.input-group{margin-bottom:25px}.input-group label{margin-bottom:10px}.input-group input{cursor:pointer}.calc-result{align-items:center;background:#222;color:#fff;display:flex;flex:1 1;flex-direction:column;justify-content:center;min-width:300px;padding:40px;text-align:center}.result-amount{color:#00f2fe;font-size:3rem;font-weight:700;margin:10px 0}.profit-text{font-size:1.2rem}.green{color:#2ecc71}.note{font-size:.8rem;margin-top:20px;opacity:.6}.why-invest{display:flex;flex-wrap:wrap;gap:20px;justify-content:space-between}.why-card{background:#fff;border-radius:10px;box-shadow:0 5px 15px #0000000d;flex:1 1;padding:30px;text-align:center}.why-card i{color:#2ecc71;font-size:2.5rem;margin-bottom:15px}.why-card h4{font-size:1.2rem;margin-bottom:10px}.why-card p{color:#666;font-size:.9rem}@media (max-width:768px){.hero-content h1{font-size:2.2rem}.calc-container{flex-direction:column}}.apply-loan-page{background:linear-gradient(135deg,#f0f4f8,#d9e2ec);font-family:Segoe UI,sans-serif;min-height:85vh;padding:20px}.apply-form-container{background-color:#fff;border-radius:12px;border-top:5px solid #004a99;box-shadow:0 8px 24px #0000001a;max-width:450px}.apply-form-container h2{color:#036;font-size:1.8rem;font-weight:700}.apply-form-container p{color:#666;font-size:.95rem}.input-group{text-align:left}.input-group label{color:#444;font-size:.9rem;font-weight:600}.input-group input{background-color:#fafafa;border-radius:6px;font-size:1rem;padding:12px 15px;transition:border-color .3s,box-shadow .3s}.input-group input:focus{background-color:#fff;border-color:#004a99;box-shadow:0 0 0 3px #004a991a;outline:none}.apply-form-container button{border-radius:6px;font-size:1.1rem;margin-top:10px;padding:12px;width:100%}.form-message{border-radius:6px;font-size:.9rem;font-weight:500;padding:12px}.form-message.success{background-color:#d4edda;border:1px solid #c3e6cb;color:#155724}.form-message.error{background-color:#f8d7da;border:1px solid #f5c6cb;color:#721c24}.auth-switch-link{border-top:1px solid #eee;margin-top:25px;padding-top:20px;text-align:center}.auth-switch-link p{color:#555;font-size:.9rem;margin:0}.auth-switch-link a{color:#004a99;font-weight:700;margin-left:5px;text-decoration:none}.auth-switch-link a:hover{text-decoration:underline}@media (max-width:500px){.apply-form-container{max-width:100%;padding:25px}.apply-form-container h2{font-size:1.5rem}}.apply-loan-page{align-items:center;display:flex;justify-content:center;padding:40px 20px}.apply-form-container{background:#fff;border-radius:8px;box-shadow:0 4px 12px #0000000d;max-width:600px;padding:40px;width:100%}.apply-form-container h2{margin-bottom:10px;text-align:center}.apply-form-container p{color:#555;margin-bottom:30px;text-align:center}.input-group{margin-bottom:20px}.input-group label{color:#555;display:block;font-weight:500;margin-bottom:8px}.input-group input{border:1px solid #ccc;border-radius:4px;font-size:16px;padding:12px;width:100%}.apply-form-container .custom-button{font-size:18px;padding:12px;width:100%}.form-message{border-radius:4px;font-size:1rem;margin-top:20px;padding:10px;text-align:center}.form-message.success{background-color:#f0fff8;color:#006442}.form-message.error{background-color:#fff0f0;color:#a00}.form-select{appearance:none;-webkit-appearance:none;-moz-appearance:none;background-color:#fff;background-image:url("data:image/svg+xml;charset=US-ASCII,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22292.4%22%20height%3D%22292.4%22%3E%3Cpath%20fill%3D%22%23007CB2%22%20d%3D%22M287%2069.4a17.6%2017.6%200%200%200-13-5.4H18.4c-5%200-9.3%201.8-12.9%205.4A17.6%2017.6%200%200%200%200%2082.2c0%205%201.8%209.3%205.4%2012.9l128%20127.9c3.6%203.6%207.8%205.4%2012.8%205.4s9.2-1.8%2012.8-5.4L287%2095c3.5-3.5%205.4-7.8%205.4-12.8%200-5-1.9-9.2-5.5-12.8z%22%2F%3E%3C%2Fsvg%3E");background-position:right 15px top 50%;background-repeat:no-repeat;background-size:12px auto;border:1px solid #ccc;border-radius:8px;box-sizing:border-box;color:#333;cursor:pointer;display:inline-block;font-size:16px;margin:8px 0 20px;padding:12px 15px;transition:border-color .3s ease;width:100%}.form-select:focus{border-color:#0056b3;box-shadow:0 0 5px #0056b333;outline:none}.form-select option{font-size:16px;padding:10px}.dashboard-container{font-family:Segoe UI,sans-serif;margin:40px auto;max-width:1000px;padding:20px}.dashboard-grid{grid-gap:30px;display:grid;gap:30px;grid-template-columns:1fr 1fr;margin-top:20px}@media (max-width:768px){.dashboard-grid{grid-template-columns:1fr}}.card{background:#fff;border-radius:10px;box-shadow:0 4px 15px #0000000d;padding:25px}.card-header{align-items:center;border-bottom:1px solid #eee;margin-bottom:20px;padding-bottom:10px}.card-header,.detail-row{display:flex;justify-content:space-between}.detail-row{font-size:1.05rem;margin-bottom:15px}.detail-row label{color:#666;font-weight:500}.edit-input{border:1px solid #ccc;border-radius:4px;font-size:1rem;padding:5px;width:60%}.edit-btn{color:#004a99;font-weight:700}.cancel-btn,.edit-btn{background:none;border:none;cursor:pointer}.cancel-btn{color:#d9534f;font-size:.8rem;margin-top:10px}.loan-list{list-style:none;padding:0}.loan-item{align-items:center;border-bottom:1px solid #f0f0f0;display:flex;justify-content:space-between;padding:15px 0}.loan-amount{color:#333;display:block;font-size:1.1rem;font-weight:700}.loan-date{color:#888;font-size:.85rem}.status-badge{border-radius:20px;font-size:.85rem;font-weight:600;padding:5px 12px;text-transform:capitalize}.admin-layout{background-color:#f4f6f9;display:flex;font-family:Segoe UI,Tahoma,Geneva,Verdana,sans-serif;min-height:100vh}.admin-sidebar{background-color:#1a1f24;color:#fff;display:flex;flex-direction:column;height:100%;position:fixed;transition:transform .3s ease;width:260px;z-index:100}.sidebar-header{background-color:#13171b;border-bottom:1px solid #333;padding:20px}.sidebar-header 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