/* MAXFINTEC - Bright & Positive Theme */
:root {
  --orange: #FF9500;
  --orange-light: #FFB340;
  --orange-dark: #E88500;
  --gold: #FFD54F;
  --blue: #1A73E8;
  --blue-light: #5BA3FF;
  --blue-dark: #1565C0;
  --text-primary: #1A365D;
  --text-secondary: #4A5568;
  --text-muted: #718096;
  --gray-100: #FFF9F0;
  --gray-200: #FFE8CC;
  --gray-300: #FFD9A8;
  --gray-500: #718096;
  --gray-700: #4A5568;
  --gray-900: #1A365D;
  --white: #ffffff;
  --cream: #FFFBF5;
  --peach: #FFF4E6;
  --sky: #EBF5FF;
  --mint: #F0FFF4;
  --gradient-orange: linear-gradient(135deg, #FF9500 0%, #FFD54F 100%);
  --gradient-hero: linear-gradient(145deg, #FFF8ED 0%, #FFECD2 35%, #E8F4FF 70%, #FFF5E1 100%);
  --gradient-warm: linear-gradient(135deg, #FFF8ED 0%, #FFE8CC 100%);
  --gradient-sky: linear-gradient(135deg, #EBF5FF 0%, #D6EBFF 100%);
  --gradient-sunshine: linear-gradient(135deg, #FFF9E6 0%, #FFECD2 50%, #E8F4FF 100%);
  --shadow-sm: 0 2px 16px rgba(255, 149, 0, 0.08);
  --shadow-md: 0 6px 28px rgba(26, 115, 232, 0.1);
  --shadow-lg: 0 12px 40px rgba(255, 149, 0, 0.18);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: 0.3s ease;
  --header-height: 72px;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-height);
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text-primary);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--blue);
  text-decoration: none;
  transition: color var(--transition);
}

a:hover {
  color: var(--orange);
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border: none;
  border-radius: 8px;
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--gradient-orange);
  color: var(--white);
  box-shadow: 0 4px 18px rgba(255, 149, 0, 0.4);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(255, 149, 0, 0.5);
  color: var(--white);
}

.btn-secondary {
  background: var(--blue);
  color: var(--white);
}

.btn-secondary:hover {
  background: var(--blue-dark);
  color: var(--white);
}

.btn-outline {
  background: var(--white);
  color: var(--blue);
  border: 2px solid var(--blue-light);
  box-shadow: var(--shadow-sm);
}

.btn-outline:hover {
  background: var(--sky);
  border-color: var(--orange);
  color: var(--orange-dark);
}

.btn-sm { padding: 8px 18px; font-size: 0.875rem; }
.btn-lg { padding: 16px 32px; font-size: 1.05rem; }
.btn-block { width: 100%; }

/* Header */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 251, 245, 0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255, 213, 79, 0.3);
  height: var(--header-height);
  transition: box-shadow var(--transition);
}

.header.scrolled {
  box-shadow: var(--shadow-md);
  background: rgba(255, 255, 255, 0.98);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-height);
  gap: 24px;
}

.logo img {
  height: 44px;
  width: auto;
}

.nav {
  display: flex;
  gap: 28px;
}

.nav a {
  color: var(--gray-700);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color var(--transition);
}

.nav a:hover {
  color: var(--orange-dark);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--orange-dark);
  transition: var(--transition);
}

/* Hero */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: calc(var(--header-height) + 40px) 0 80px;
  background-image: url('../images/home-loan.png');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 10% 30%, rgba(91, 163, 255, 0.28) 0%, transparent 50%),
    radial-gradient(ellipse at 90% 10%, rgba(255, 180, 50, 0.35) 0%, transparent 45%),
    radial-gradient(ellipse at 60% 90%, rgba(255, 213, 79, 0.25) 0%, transparent 45%),
    radial-gradient(ellipse at 40% 60%, rgba(255, 236, 210, 0.5) 0%, transparent 60%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-badge {
  display: inline-block;
  padding: 6px 16px;
  background: var(--white);
  border: 1px solid rgba(255, 149, 0, 0.45);
  border-radius: 50px;
  color: var(--orange-dark);
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 20px;
  box-shadow: var(--shadow-sm);
}

.hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.2rem);
  font-weight: 800;
  color: var(--text-primary);
  line-height: 1.15;
  margin-bottom: 20px;
}

.gradient-text {
  background: var(--gradient-orange);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-text > p {
  color: var(--text-secondary);
  font-size: 1.1rem;
  margin-bottom: 32px;
  max-width: 540px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero-stats {
  display: flex;
  gap: 40px;
}

.stat strong {
  display: block;
  font-size: 2rem;
  font-weight: 800;
  background: var(--gradient-orange);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
}

.stat span {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.hero-cards {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.hero-card {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(255, 213, 79, 0.35);
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  align-items: center;
  gap: 16px;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
  backdrop-filter: blur(8px);
}

.hero-card:hover {
  background: var(--white);
  border-color: rgba(255, 149, 0, 0.55);
  transform: translateX(8px);
  box-shadow: var(--shadow-lg);
}

.hero-card-icon {
  font-size: 2rem;
  flex-shrink: 0;
}

.hero-card h3 {
  color: var(--gray-900);
  font-size: 1.1rem;
  margin-bottom: 4px;
}

.hero-card p {
  color: var(--gray-500);
  font-size: 0.875rem;
}

/* Sections */
.section {
  padding: 100px 0;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 60px;
}

.section-tag {
  display: inline-block;
  padding: 6px 16px;
  background: linear-gradient(135deg, rgba(255, 149, 0, 0.15) 0%, rgba(255, 213, 79, 0.2) 100%);
  color: var(--orange-dark);
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 16px;
  border: 1px solid rgba(255, 149, 0, 0.25);
}

.section-header h2 {
  font-size: clamp(1.8rem, 3.5vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 16px;
  color: var(--text-primary);
}

.section-header p {
  color: var(--text-muted);
  font-size: 1.05rem;
}

/* About */
.about {
  background: var(--white);
  border-top: 1px solid rgba(255, 213, 79, 0.2);
  border-bottom: 1px solid rgba(255, 213, 79, 0.2);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.about-content p {
  color: var(--gray-700);
  margin-bottom: 16px;
  font-size: 1.05rem;
}

.about-content blockquote {
  margin-top: 24px;
  padding: 20px 24px;
  border-left: 4px solid var(--orange);
  background: var(--peach);
  border-radius: 0 var(--radius) var(--radius) 0;
  font-style: italic;
  color: var(--text-secondary);
  font-size: 1.1rem;
  box-shadow: var(--shadow-sm);
}

.about-features {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.feature-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px;
  background: var(--peach);
  border: 1px solid rgba(255, 213, 79, 0.3);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition);
}

.feature-item:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  background: var(--white);
}

.feature-icon {
  width: 36px;
  height: 36px;
  background: var(--gradient-orange);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  color: var(--white);
  flex-shrink: 0;
}

.feature-item h4 {
  font-size: 1rem;
  margin-bottom: 4px;
}

.feature-item p {
  font-size: 0.875rem;
  color: var(--gray-500);
}

/* Services */
.services {
  background: var(--gradient-sky);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  border: 1px solid rgba(91, 163, 255, 0.2);
  border-radius: var(--radius-lg);
  padding: 36px;
  position: relative;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
}

.service-card:hover {
  border-color: rgba(255, 149, 0, 0.5);
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.service-number {
  position: absolute;
  top: 24px;
  right: 24px;
  font-size: 3rem;
  font-weight: 800;
  color: rgba(26, 115, 232, 0.1);
  line-height: 1;
}

.service-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
}

.service-card h3 {
  color: var(--gray-900);
  font-size: 1.4rem;
  margin-bottom: 12px;
}

.service-card > p {
  color: var(--gray-500);
  margin-bottom: 20px;
  font-size: 0.95rem;
}

.service-card ul {
  list-style: none;
  margin-bottom: 24px;
}

.service-card li {
  color: var(--gray-700);
  padding: 6px 0;
  padding-left: 20px;
  position: relative;
  font-size: 0.9rem;
}

.service-card li::before {
  content: '→';
  position: absolute;
  left: 0;
  color: var(--orange);
}

/* Why Us */
.why-us {
  background: var(--cream);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.why-card {
  padding: 32px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(255, 213, 79, 0.35);
  transition: all var(--transition);
}

.why-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(255, 149, 0, 0.45);
  background: linear-gradient(180deg, var(--white) 0%, var(--peach) 100%);
}

.why-icon {
  font-size: 2rem;
  margin-bottom: 16px;
}

.why-card h3 {
  font-size: 1.15rem;
  margin-bottom: 12px;
  color: var(--gray-900);
}

.why-card p {
  color: var(--gray-500);
  font-size: 0.925rem;
}

/* Founder */
.founder {
  background: var(--gradient-sunshine);
}

.founder-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 60px;
  align-items: center;
}

.founder-image-wrap {
  position: relative;
}

.founder-image {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  aspect-ratio: 3/4;
  object-fit: cover;
  object-position: top;
}

.founder-placeholder {
  width: 100%;
  aspect-ratio: 3/4;
  background: var(--gradient-warm);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
}

.founder-placeholder span {
  font-size: 4rem;
  font-weight: 800;
  background: var(--gradient-orange);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.founder-content h2 {
  font-size: 2rem;
  font-weight: 800;
  margin-bottom: 4px;
}

.founder-title {
  color: var(--orange-dark);
  font-weight: 600;
  font-size: 1.1rem;
  margin-bottom: 20px;
}

.founder-content > p {
  color: var(--gray-700);
  margin-bottom: 24px;
  font-size: 1.025rem;
}

.founder-experience {
  background: var(--white);
  padding: 24px;
  border-radius: var(--radius);
  border-left: 4px solid var(--blue);
  margin-bottom: 28px;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(91, 163, 255, 0.2);
  border-left: 4px solid var(--blue);
}

.founder-experience h3 {
  font-size: 1rem;
  margin-bottom: 8px;
  color: var(--blue);
}

.founder-experience p {
  color: var(--gray-700);
  font-size: 0.95rem;
}

.founder-contact {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.founder-contact .btn-outline {
  color: var(--blue);
  border-color: var(--blue-light);
}

.founder-contact .btn-outline:hover {
  border-color: var(--orange);
  color: var(--orange-dark);
  background: var(--peach);
}

/* Locations */
.locations {
  background: var(--gradient-sky);
}

.locations-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 32px;
}

.location-card {
  background: var(--white);
  border: 1px solid rgba(255, 213, 79, 0.35);
  border-radius: var(--radius);
  padding: 28px;
  transition: all var(--transition);
  position: relative;
  box-shadow: var(--shadow-sm);
}

.location-card:hover {
  border-color: rgba(255, 149, 0, 0.55);
  box-shadow: var(--shadow-md);
  background: linear-gradient(180deg, var(--white) 0%, var(--peach) 100%);
}

.location-card.featured {
  border-color: rgba(255, 149, 0, 0.55);
  background: linear-gradient(135deg, #FFF4E6 0%, #ffffff 100%);
  box-shadow: var(--shadow-md);
}

.location-badge {
  display: inline-block;
  padding: 4px 12px;
  background: var(--gradient-orange);
  color: var(--white);
  border-radius: 50px;
  font-size: 0.75rem;
  font-weight: 700;
  margin-bottom: 12px;
}

.location-card h3 {
  color: var(--gray-900);
  font-size: 1.2rem;
  margin-bottom: 12px;
}

.location-address {
  color: var(--gray-700);
  font-size: 0.9rem;
  line-height: 1.6;
}

.timing-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  padding: 20px;
  background: linear-gradient(135deg, var(--peach) 0%, var(--white) 100%);
  border: 1px solid rgba(255, 149, 0, 0.4);
  border-radius: var(--radius);
  color: var(--text-secondary);
  box-shadow: var(--shadow-sm);
}

.timing-banner strong {
  color: var(--orange-dark);
}

/* Contact */
.contact {
  background: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.contact-icon {
  font-size: 1.5rem;
  flex-shrink: 0;
}

.contact-item h4 {
  font-size: 0.9rem;
  color: var(--gray-500);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.contact-item a {
  display: block;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--gray-900);
}

.contact-item a:hover {
  color: var(--orange-dark);
}

.contact-item p {
  font-size: 1.05rem;
  font-weight: 600;
}

.contact-apply {
  margin-top: 8px;
  align-self: flex-start;
}

.contact-quick-form {
  background: var(--gradient-sky);
  padding: 36px;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(91, 163, 255, 0.25);
  box-shadow: var(--shadow-md);
}

.contact-quick-form h3 {
  font-size: 1.3rem;
  margin-bottom: 24px;
}

/* Forms */
.form-group {
  margin-bottom: 18px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: 8px;
  font-family: inherit;
  font-size: 0.95rem;
  transition: border-color var(--transition);
  background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(255, 149, 0, 0.2);
}

.form-group textarea {
  resize: vertical;
  min-height: 80px;
}

.form-note {
  margin-top: 12px;
  font-size: 0.875rem;
  text-align: center;
}

.form-note.success {
  color: #198754;
}

.form-note.error {
  color: #dc3545;
}

.form-privacy {
  text-align: center;
  font-size: 0.8rem;
  color: var(--gray-500);
  margin-top: 12px;
}

/* Footer */
.footer {
  background: linear-gradient(180deg, var(--peach) 0%, var(--sky) 50%, var(--cream) 100%);
  padding: 60px 0 24px;
  border-top: 2px solid rgba(255, 213, 79, 0.35);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand img {
  height: 40px;
  margin-bottom: 16px;
}

.footer-brand p {
  color: var(--gray-500);
  font-size: 0.9rem;
  max-width: 280px;
}

.footer-links h4 {
  color: var(--gray-900);
  font-size: 0.9rem;
  margin-bottom: 16px;
}

.footer-links a {
  display: block;
  color: var(--gray-500);
  font-size: 0.875rem;
  padding: 4px 0;
  transition: color var(--transition);
}

.footer-links a:hover {
  color: var(--orange-dark);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 24px;
  border-top: 1px solid var(--gray-200);
}

.footer-bottom p {
  color: var(--gray-500);
  font-size: 0.875rem;
}

/* Modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(26, 54, 93, 0.45);
  backdrop-filter: blur(6px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition);
}

.modal-overlay.active {
  opacity: 1;
  visibility: visible;
}

.modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 560px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
  transform: translateY(20px) scale(0.97);
  transition: transform var(--transition);
}

.modal-overlay.active .modal {
  transform: translateY(0) scale(1);
}

.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 36px;
  height: 36px;
  border: none;
  background: var(--gray-100);
  border-radius: 50%;
  font-size: 1.4rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-700);
  transition: all var(--transition);
}

.modal-close:hover {
  background: var(--gray-200);
}

.modal-header {
  margin-bottom: 28px;
}

.modal-header h2 {
  font-size: 1.6rem;
  margin-bottom: 8px;
}

.modal-header p {
  color: var(--gray-500);
  font-size: 0.95rem;
}

/* FAB */
.fab {
  display: none;
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  padding: 14px 24px;
  background: var(--gradient-orange);
  color: var(--white);
  border: none;
  border-radius: 50px;
  font-family: inherit;
  font-size: 0.9rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 4px 24px rgba(255, 149, 0, 0.55);
  transition: transform var(--transition);
}

.fab:hover {
  transform: scale(1.05);
}

/* Responsive */
@media (max-width: 1024px) {
  .hero-content {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .hero-cards {
    flex-direction: row;
    flex-wrap: wrap;
  }

  .hero-card {
    flex: 1;
    min-width: 200px;
  }

  .about-grid,
  .founder-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .founder-image-wrap {
    max-width: 380px;
    margin: 0 auto;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .locations-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .nav {
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    gap: 16px;
    transform: translateY(-120%);
    opacity: 0;
    transition: all var(--transition);
    border-bottom: 1px solid var(--gray-200);
    box-shadow: var(--shadow-md);
  }

  .nav.open {
    transform: translateY(0);
    opacity: 1;
  }

  .nav-toggle {
    display: flex;
  }

  .header-inner .btn-primary {
    display: none;
  }

  .hero-stats {
    gap: 24px;
  }

  .why-grid {
    grid-template-columns: 1fr;
  }

  .locations-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }

  .fab {
    display: block;
  }

  .modal {
    padding: 28px 20px;
  }
}