/* === DION FINANCE - Style Principal === */
:root {
  --primary: #0f2b4c;
  --primary-light: #1a4278;
  --accent: #e85d04;
  --accent-hover: #c44d02;
  --teal: #0077b6;
  --light-bg: #f4f7fb;
  --white: #ffffff;
  --text-dark: #1a1a2e;
  --text-muted: #5a6a7e;
  --border: #dde3ec;
  --shadow: 0 4px 24px rgba(15,43,76,0.10);
  --shadow-hover: 0 8px 32px rgba(15,43,76,0.18);
  --radius: 12px;
  --transition: all 0.3s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Segoe UI', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.7;
}

a { text-decoration: none; color: inherit; }

img { max-width: 100%; display: block; }

/* === TOPBAR === */
.topbar {
  background: var(--primary);
  color: rgba(255,255,255,0.85);
  font-size: 0.82rem;
  padding: 8px 0;
}
.topbar-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.topbar-item {
  display: flex;
  align-items: center;
  gap: 6px;
}
.topbar-item svg { opacity: 0.7; }

/* === HEADER === */
header {
  background: var(--white);
  box-shadow: 0 2px 12px rgba(15,43,76,0.08);
  position: sticky;
  top: 0;
  z-index: 999;
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.5px;
}
.logo-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary), var(--teal));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.logo span { color: var(--accent); }

nav { display: flex; align-items: center; gap: 4px; }
nav a {
  padding: 8px 16px;
  border-radius: 8px;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-dark);
  transition: var(--transition);
}
nav a:hover, nav a.active {
  background: var(--light-bg);
  color: var(--primary);
}
.btn-nav {
  background: var(--accent) !important;
  color: var(--white) !important;
  padding: 10px 20px !important;
  border-radius: 8px !important;
  font-weight: 600 !important;
  margin-left: 8px;
  transition: var(--transition) !important;
}
.btn-nav:hover { background: var(--accent-hover) !important; transform: translateY(-1px); }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: var(--transition);
}

/* === HERO === */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, #1a4278 50%, #0077b6 100%);
  color: var(--white);
  padding: 90px 24px 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -80px;
  width: 350px; height: 350px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: #4ade80; }
.hero h1 {
  font-size: 2.8rem;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 20px;
  letter-spacing: -1px;
}
.hero h1 em { font-style: normal; color: #fbbf24; }
.hero p {
  font-size: 1.1rem;
  opacity: 0.85;
  margin-bottom: 36px;
  max-width: 480px;
}
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-primary {
  background: var(--accent);
  color: var(--white);
  padding: 14px 30px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 1rem;
  transition: var(--transition);
  border: none;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-primary:hover { background: var(--accent-hover); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(232,93,4,0.4); }
.btn-secondary {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  padding: 14px 30px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 1rem;
  border: 1px solid rgba(255,255,255,0.25);
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-secondary:hover { background: rgba(255,255,255,0.2); }

/* Hero Stats */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 48px;
}
.stat-item {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
}
.stat-item .number {
  font-size: 1.9rem;
  font-weight: 800;
  color: #fbbf24;
  display: block;
}
.stat-item .label {
  font-size: 0.78rem;
  opacity: 0.75;
  margin-top: 4px;
  display: block;
}

/* Hero Card */
.hero-card {
  background: var(--white);
  border-radius: 20px;
  padding: 36px;
  color: var(--text-dark);
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
}
.hero-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 24px;
}
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.form-group input, .form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--light-bg);
  transition: var(--transition);
  outline: none;
}
.form-group input:focus, .form-group select:focus {
  border-color: var(--teal);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(0,119,182,0.1);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.hero-card .btn-primary { width: 100%; justify-content: center; margin-top: 4px; }
.form-note {
  text-align: center;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

/* === SECTIONS === */
.section { padding: 80px 24px; }
.section-alt { background: var(--light-bg); }
.container { max-width: 1200px; margin: 0 auto; }
.section-label {
  display: inline-block;
  background: rgba(0,119,182,0.1);
  color: var(--teal);
  padding: 6px 16px;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
}
.section-title {
  font-size: 2.1rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 16px;
  letter-spacing: -0.5px;
  line-height: 1.25;
}
.section-subtitle {
  color: var(--text-muted);
  font-size: 1.05rem;
  max-width: 560px;
  margin-bottom: 48px;
}
.section-header { text-align: center; }
.section-header .section-subtitle { margin-left: auto; margin-right: auto; }

/* === SERVICES CARDS === */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  border: 1.5px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--teal));
  transform: scaleX(0);
  transition: var(--transition);
}
.service-card:hover { box-shadow: var(--shadow-hover); transform: translateY(-4px); border-color: transparent; }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(15,43,76,0.08), rgba(0,119,182,0.12));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.6rem;
}
.service-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}
.service-card p { color: var(--text-muted); font-size: 0.92rem; line-height: 1.7; margin-bottom: 20px; }
.service-card .card-link {
  color: var(--teal);
  font-size: 0.88rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.service-card .card-link:hover { gap: 10px; color: var(--primary); }

/* === WHY US === */
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.why-content .section-subtitle { margin-bottom: 32px; }
.why-list { list-style: none; display: flex; flex-direction: column; gap: 20px; }
.why-list li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.why-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--primary), var(--teal));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
}
.why-list li h4 { font-size: 0.95rem; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.why-list li p { font-size: 0.88rem; color: var(--text-muted); }
.why-image {
  background: linear-gradient(135deg, var(--primary), #1a4278);
  border-radius: 20px;
  padding: 40px;
  color: var(--white);
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.why-image-title { font-size: 1.4rem; font-weight: 800; margin-bottom: 8px; }
.why-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 8px; }
.why-stat {
  background: rgba(255,255,255,0.1);
  border-radius: 10px;
  padding: 18px;
  text-align: center;
}
.why-stat .num { font-size: 1.7rem; font-weight: 800; color: #fbbf24; display: block; }
.why-stat .lbl { font-size: 0.75rem; opacity: 0.75; margin-top: 4px; display: block; }
.process-steps { display: flex; flex-direction: column; gap: 14px; margin-top: 16px; }
.step {
  display: flex;
  gap: 12px;
  align-items: center;
  background: rgba(255,255,255,0.08);
  border-radius: 10px;
  padding: 12px 16px;
}
.step-num {
  width: 28px; height: 28px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.78rem;
  font-weight: 800;
  flex-shrink: 0;
}
.step span { font-size: 0.88rem; opacity: 0.9; }

/* === LOAN TYPES === */
.loans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.loan-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px 22px;
  text-align: center;
  border: 1.5px solid var(--border);
  transition: var(--transition);
  cursor: default;
}
.loan-card:hover { border-color: var(--teal); box-shadow: var(--shadow); transform: translateY(-3px); }
.loan-emoji { font-size: 2.2rem; margin-bottom: 14px; }
.loan-card h4 { font-size: 0.95rem; font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.loan-card p { font-size: 0.82rem; color: var(--text-muted); }

/* === TESTIMONIALS === */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  border: 1.5px solid var(--border);
  transition: var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow); }
.stars { color: #f59e0b; font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-card blockquote {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 20px;
  font-style: italic;
}
.reviewer {
  display: flex;
  align-items: center;
  gap: 12px;
}
.reviewer-avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  color: var(--white);
  flex-shrink: 0;
}
.reviewer-name { font-size: 0.9rem; font-weight: 700; color: var(--primary); }
.reviewer-loc { font-size: 0.78rem; color: var(--text-muted); }

/* === CTA BANNER === */
.cta-section {
  background: linear-gradient(135deg, var(--primary) 0%, #1a4278 60%, var(--teal) 100%);
  color: var(--white);
  padding: 80px 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.cta-section h2 {
  font-size: 2.4rem;
  font-weight: 800;
  margin-bottom: 16px;
  position: relative;
}
.cta-section p {
  font-size: 1.1rem;
  opacity: 0.85;
  margin-bottom: 36px;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
}
.cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; position: relative; }
.btn-white {
  background: var(--white);
  color: var(--primary);
  padding: 14px 32px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 1rem;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.2); }
.btn-outline-white {
  background: transparent;
  color: var(--white);
  padding: 14px 32px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 1rem;
  border: 2px solid rgba(255,255,255,0.4);
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.btn-outline-white:hover { border-color: rgba(255,255,255,0.8); background: rgba(255,255,255,0.08); }

/* === PAGE HERO (inner pages) === */
.page-hero {
  background: linear-gradient(135deg, var(--primary), #1a4278);
  color: var(--white);
  padding: 70px 24px;
  text-align: center;
}
.page-hero .breadcrumb {
  font-size: 0.82rem;
  opacity: 0.65;
  margin-bottom: 16px;
}
.page-hero .breadcrumb a { opacity: 0.9; }
.page-hero .breadcrumb a:hover { opacity: 1; }
.page-hero h1 { font-size: 2.4rem; font-weight: 800; margin-bottom: 14px; }
.page-hero p { font-size: 1.05rem; opacity: 0.8; max-width: 540px; margin: 0 auto; }

/* === CONTENT SECTIONS === */
.content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.content-grid.reverse { direction: rtl; }
.content-grid.reverse > * { direction: ltr; }
.content-box { }
.content-box h2 { font-size: 1.8rem; font-weight: 800; color: var(--primary); margin-bottom: 16px; line-height: 1.3; }
.content-box p { color: var(--text-muted); font-size: 0.95rem; margin-bottom: 16px; line-height: 1.8; }
.check-list { list-style: none; display: flex; flex-direction: column; gap: 12px; margin: 20px 0; }
.check-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.92rem;
  color: var(--text-muted);
}
.check-list li::before {
  content: '✓';
  color: var(--white);
  background: var(--teal);
  width: 20px; height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}
.visual-block {
  background: linear-gradient(135deg, var(--primary), var(--teal));
  border-radius: 20px;
  padding: 40px;
  color: var(--white);
  min-height: 340px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 20px;
}
.visual-block h3 { font-size: 1.3rem; font-weight: 700; }
.visual-block p { opacity: 0.8; font-size: 0.9rem; }
.info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 8px; }
.info-item {
  background: rgba(255,255,255,0.1);
  border-radius: 10px;
  padding: 16px;
}
.info-item .val { font-size: 1.2rem; font-weight: 800; color: #fbbf24; display: block; }
.info-item .key { font-size: 0.75rem; opacity: 0.75; margin-top: 4px; display: block; }

/* === CONDITIONS TABLE === */
.conditions-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 16px;
}
.conditions-table th {
  background: var(--primary);
  color: var(--white);
  padding: 14px 20px;
  text-align: left;
  font-size: 0.88rem;
  font-weight: 600;
}
.conditions-table th:first-child { border-radius: 10px 0 0 0; }
.conditions-table th:last-child { border-radius: 0 10px 0 0; }
.conditions-table td {
  padding: 12px 20px;
  font-size: 0.9rem;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
}
.conditions-table tr:nth-child(even) td { background: var(--light-bg); }

/* === CONTACT PAGE === */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 48px;
  align-items: start;
}
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.contact-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--primary), var(--teal));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-item h4 { font-size: 0.9rem; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.contact-item p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.6; }
.contact-item a { color: var(--teal); }
.contact-item a:hover { text-decoration: underline; }

.contact-form-card {
  background: var(--white);
  border-radius: 20px;
  padding: 40px;
  box-shadow: var(--shadow);
  border: 1.5px solid var(--border);
}
.contact-form-card h3 { font-size: 1.3rem; font-weight: 700; color: var(--primary); margin-bottom: 24px; }
.contact-form .form-group { margin-bottom: 20px; }
.contact-form label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 6px;
}
.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 0.93rem;
  color: var(--text-dark);
  background: var(--light-bg);
  outline: none;
  transition: var(--transition);
  font-family: inherit;
}
.contact-form textarea { resize: vertical; min-height: 120px; }
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--teal);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(0,119,182,0.1);
}
.contact-form .btn-primary { width: 100%; justify-content: center; font-size: 1rem; }
.success-msg {
  display: none;
  background: #d1fae5;
  border: 1px solid #6ee7b7;
  color: #065f46;
  border-radius: 10px;
  padding: 16px;
  text-align: center;
  margin-top: 16px;
  font-size: 0.9rem;
  font-weight: 600;
}
.hours-card {
  background: var(--light-bg);
  border-radius: var(--radius);
  padding: 24px;
  border: 1.5px solid var(--border);
}
.hours-card h4 { font-size: 0.95rem; font-weight: 700; color: var(--primary); margin-bottom: 16px; }
.hours-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.88rem;
}
.hours-row:last-child { border-bottom: none; }
.hours-row .day { color: var(--text-muted); }
.hours-row .time { font-weight: 600; color: var(--primary); }
.hours-row .closed { color: #ef4444; }

/* === FOOTER === */
footer {
  background: var(--primary);
  color: rgba(255,255,255,0.8);
  padding: 60px 24px 0;
}
.footer-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 48px;
}
.footer-brand .logo { color: var(--white); margin-bottom: 16px; }
.footer-brand .logo-icon { opacity: 0.9; }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; opacity: 0.7; margin-bottom: 20px; }
.footer-col h5 {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 16px;
}
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links li a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.7);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links li a:hover { color: var(--white); padding-left: 4px; }
.footer-contact { display: flex; flex-direction: column; gap: 12px; }
.footer-contact-item {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.88rem;
}
.footer-contact-item span:first-child { opacity: 0.6; flex-shrink: 0; margin-top: 1px; }
.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding: 20px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8rem;
  opacity: 0.55;
  flex-wrap: wrap;
  gap: 8px;
}
.footer-bottom a { color: inherit; }
.footer-bottom a:hover { opacity: 1; }

/* === RESPONSIVE === */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-card { max-width: 560px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .content-grid { grid-template-columns: 1fr; }
  .content-grid.reverse { direction: ltr; }
  .contact-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .hero h1 { font-size: 2rem; }
  .section-title { font-size: 1.7rem; }
  nav { display: none; flex-direction: column; position: absolute; top: 72px; left: 0; right: 0; background: var(--white); padding: 16px; box-shadow: 0 8px 24px rgba(0,0,0,0.1); gap: 4px; }
  nav.open { display: flex; }
  nav a { padding: 12px 16px; }
  .btn-nav { margin: 8px 0 0; }
  .hamburger { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); }
  .form-row { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .topbar-inner { flex-direction: column; gap: 6px; text-align: center; }
  .cta-section h2 { font-size: 1.8rem; }
  .contact-form-card { padding: 24px; }
}
@media (max-width: 480px) {
  .loans-grid { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .why-stats { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: 1fr; }
}