/* Variables */
:root {
    --primary: #0A2540;
    --accent: #16A34A;
    --light-bg: #F8FAFC;
    --white: #FFFFFF;
    --text-main: #1E293B;
    --transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
}

body { font-family: 'Poppins', sans-serif; background-color: var(--white); color: var(--text-main); overflow-x: hidden; }

/* Gradient Hero */
.hero-section {
    background: radial-gradient(circle at top right, #162e4a, #0A2540);
    padding: 120px 0 100px;
    color: white;
    position: relative;
    clip-path: ellipse(150% 100% at 50% 0%);
}

/* Floating Animation */
.floating {
    animation: floating 3s ease-in-out infinite;
}
@keyframes floating {
    0% { transform: translateY(0px); }
    50% { transform: translateY(-20px); }
    100% { transform: translateY(0px); }
}

/* Premium Card Style */
.loan-card {
    border: none;
    border-radius: 20px;
    background: #fff;
    transition: var(--transition);
    border: 1px solid #eef2f6;
    overflow: hidden;
}
.loan-card:hover {
    transform: translateY(-12px);
    box-shadow: 0 22px 40px rgba(0,0,0,0.08);
}
.loan-card .icon-box {
    width: 70px;
    height: 70px;
    background: #f0fdf4;
    color: var(--accent);
    border-radius: 15px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 30px;
    margin-bottom: 20px;
}

/* Trust Bar */
.trust-bar { background: #f8fafc; padding: 30px 0; border-bottom: 1px solid #edf2f7; }
.trust-bar img { filter: grayscale(100%); opacity: 0.6; transition: 0.3s; width: 120px; }
.trust-bar img:hover { filter: grayscale(0%); opacity: 1; }

/* Step Process */
.step-item { position: relative; text-align: center; }
.step-number {
    width: 50px; height: 50px; background: var(--accent); color: white;
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-weight: bold; margin: 0 auto 15px; font-size: 20px;
    box-shadow: 0 10px 20px rgba(22, 163, 74, 0.3);
}

/* Stats Section */
.stat-box h2 { color: var(--accent); font-weight: 800; }

/* Contact Form Glass */
.apply-card {
    background: rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(10px);
    border-radius: 24px;
    border: 1px solid rgba(255,255,255,0.2);
}