/* Make sure this line exists in your style.css to link the payment page */
@import url('payment.css');

/* ===== CSS Variables for Consistent Styling ===== */
:root {
    --dark-maroon: #5D0F1C;
    --light-maroon: #7A1B2C;
    --gold: #D4AF37;
    --light-gold: #F4E4A6;
    --light-bg: #f9f9f9;
    --dark-text: #333333;
    --light-text: #ffffff;
    --gray-border: #dddddd;
}

/* ===== Base Styles ===== */
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
}

body {
    background-color: var(--light-bg);
    color: var(--dark-text);
    line-height: 1.6;
}

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

/* ===== Navigation Bar ===== */
.navbar {
    background: var(--light-text);
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
    position: sticky;
    top: 0;
    z-index: 999;
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1rem 2rem;
    max-width: 1200px;
    margin: 0 auto;
}

#navbar-logo {
    color: var(--dark-maroon);
    font-size: 1.8rem;
    font-weight: bold;
}

.nav-menu {
    display: flex;
    list-style: none;
}

.nav-item {
    margin-left: 1.5rem;
}

.nav-links {
    color: var(--dark-text);
    font-weight: 500;
    transition: color 0.3s ease;
}

.nav-links:hover {
    color: var(--dark-maroon);
}

.apply-button {
    background-color: var(--dark-maroon);
    color: var(--light-text) !important;
    padding: 0.5rem 1.5rem;
    border-radius: 5px;
    transition: background-color 0.3s ease;
}

.apply-button:hover {
    background-color: var(--light-maroon);
}

.menu-toggle {
    display: none;
    flex-direction: column;
    cursor: pointer;
}

.bar {
    width: 25px;
    height: 3px;
    background-color: var(--dark-text);
    margin: 3px 0;
    transition: 0.3s;
}

/* ===== Hero Section ===== */
.hero {
    background: linear-gradient(135deg, var(--dark-maroon), var(--light-maroon));
    color: var(--light-text);
    padding: 4rem 0;
}

.hero-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.hero-content h1 {
    font-size: 3rem;
    margin-bottom: 1.5rem;
    line-height: 1.2;
    font-weight: 700;
}

.hero-content p {
    font-size: 1.3rem;
    margin-bottom: 2.5rem;
    opacity: 0.9;
    line-height: 1.6;
}

.hero-button {
    display: inline-block;
    background-color: var(--gold);
    color: var(--dark-text);
    padding: 15px 35px;
    border-radius: 30px;
    text-decoration: none;
    font-weight: 600;
    font-size: 1.1rem;
    transition: all 0.3s;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.2);
}

.hero-button:hover {
    background-color: var(--light-gold);
    transform: translateY(-3px);
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.3);
}

/* Hero Image Styling */
.hero-image {
    position: relative;
    border-radius: 15px;
    overflow: hidden;
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.4);
    height: 400px;
}

.hero-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

/* Remove the placeholder */
.image-placeholder {
    display: none;
}

/* ===== Mini Calculator ===== */
.mini-calculator {
    padding: 4rem 2rem;
    background-color: var(--light-text);
}

.calculator-container {
    max-width: 600px;
    margin: 0 auto;
    text-align: center;
}

.calculator-container h2 {
    color: var(--dark-maroon);
    margin-bottom: 2rem;
}

#mini-calc-form {
    background-color: var(--light-bg);
    padding: 2rem;
    border-radius: 10px;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.1);
}

.form-group {
    margin-bottom: 1.5rem;
    text-align: left;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
}

.form-group input, .form-group select {
    width: 100%;
    padding: 0.8rem;
    border: 1px solid var(--gray-border);
    border-radius: 5px;
    font-size: 1rem;
}

.form-group small {
    color: #666;
    font-size: 0.8rem;
}

.mini-calculator button {
    background-color: var(--dark-maroon);
    color: var(--light-text);
    border: none;
    padding: 0.8rem 2rem;
    border-radius: 5px;
    font-size: 1rem;
    cursor: pointer;
    transition: background-color 0.3s ease;
}

.mini-calculator button:hover {
    background-color: var(--light-maroon);
}

.calc-result {
    margin-top: 1.5rem;
    padding: 1rem;
    background-color: #e8f4f8;
    border-radius: 5px;
    border-left: 4px solid var(--dark-maroon);
}

/* ===== How It Works Steps ===== */
.steps {
    padding: 4rem 2rem;
    background-color: var(--light-bg);
}

.steps-container {
    max-width: 1200px;
    margin: 0 auto;
    text-align: center;
}

.steps-container h2 {
    color: var(--dark-maroon);
    margin-bottom: 3rem;
}

.steps-wrapper {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
}

.step-card {
    flex: 1;
    min-width: 250px;
    margin: 1rem;
    padding: 2rem;
    background-color: var(--light-text);
    border-radius: 10px;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
    transition: transform 0.3s ease;
}

.step-card:hover {
    transform: translateY(-5px);
}

.step-icon {
    width: 60px;
    height: 60px;
    background-color: var(--dark-maroon);
    color: var(--light-text);
    border-radius: 50%;
    display: flex;
    justify-content: center;
    align-items: center;
    font-size: 1.5rem;
    font-weight: bold;
    margin: 0 auto 1.5rem;
}

.step-card h3 {
    margin-bottom: 1rem;
    color: var(--dark-maroon);
}

/* ===== Featured Loans ===== */
.featured-loans {
    padding: 4rem 2rem;
    background-color: var(--light-text);
}

.loans-container {
    max-width: 1200px;
    margin: 0 auto;
    text-align: center;
}

.loans-container h2 {
    color: var(--dark-maroon);
    margin-bottom: 3rem;
}

.loans-wrapper {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
}

.loan-card {
    flex: 1;
    min-width: 250px;
    margin: 1rem;
    padding: 2rem;
    background-color: var(--light-bg);
    border-radius: 10px;
    border-top: 4px solid var(--dark-maroon);
    transition: transform 0.3s ease;
}

.loan-card:hover {
    transform: translateY(-5px);
}

.loan-card h3 {
    color: var(--dark-maroon);
    margin-bottom: 1rem;
}

.loan-actions {
    display: flex;
    gap: 1rem;
    justify-content: space-between;
    margin-top: 1.5rem;
}

.learn-more-btn {
    color: var(--dark-maroon);
    border: 2px solid var(--dark-maroon);
    padding: 0.7rem 1.5rem;
    border-radius: 5px;
    font-weight: 600;
    transition: all 0.3s ease;
    flex: 1;
    text-align: center;
}

.learn-more-btn:hover {
    background-color: var(--dark-maroon);
    color: var(--light-text);
}

.apply-now-btn {
    background-color: var(--dark-maroon);
    color: var(--light-text);
    padding: 0.7rem 1.5rem;
    border-radius: 5px;
    font-weight: 600;
    transition: background-color 0.3s ease;
    flex: 1;
    text-align: center;
}

.apply-now-btn:hover {
    background-color: var(--light-maroon);
}

/* ===== Testimonials Preview ===== */
.testimonials-preview {
    padding: 4rem 2rem;
    background-color: var(--light-bg);
}

.testimonials-container {
    max-width: 1200px;
    margin: 0 auto;
    text-align: center;
}

.testimonials-container h2 {
    color: var(--dark-maroon);
    margin-bottom: 3rem;
}

.testimonials-wrapper {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 2rem;
}

.testimonial-card {
    flex: 1;
    min-width: 300px;
    margin: 1rem;
    padding: 2rem;
    background-color: var(--light-text);
    border-radius: 10px;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
    border-left: 4px solid var(--gold);
}

.testimonial-card p {
    font-style: italic;
    margin-bottom: 1rem;
}

.testimonial-card h4 {
    color: var(--dark-maroon);
}

.view-all-button {
    display: inline-block;
    color: var(--dark-maroon);
    font-weight: 600;
    border: 2px solid var(--dark-maroon);
    padding: 0.7rem 1.5rem;
    border-radius: 5px;
    transition: all 0.3s ease;
}

.view-all-button:hover {
    background-color: var(--dark-maroon);
    color: var(--light-text);
}

/* ===== Footer ===== */
.footer {
    background-color: var(--dark-text);
    color: var(--light-text);
    padding: 3rem 2rem 1rem;
}

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

.footer-links {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    margin-bottom: 2rem;
}

.footer-link-items {
    margin: 1rem;
}

.footer-link-items h3 {
    margin-bottom: 1rem;
    color: var(--gold);
}

.footer-link-items a {
    display: block;
    margin-bottom: 0.5rem;
    color: #ccc;
    transition: color 0.3s ease;
}

.footer-link-items a:hover {
    color: var(--light-text);
}

.footer-bottom {
    text-align: center;
    padding-top: 2rem;
    border-top: 1px solid #444;
    color: #999;
    font-size: 0.9rem;
}

/* ===== LOAN FORM STYLES - UPDATED TO MATCH IMAGES ===== */

/* Page Hero Section */
.page-hero {
    background: linear-gradient(135deg, var(--dark-maroon), var(--light-maroon));
    color: var(--light-text);
    padding: 60px 0 40px;
    text-align: center;
}

.page-hero-container {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 20px;
}

.page-hero-container h1 {
    font-size: 2.5rem;
    margin-bottom: 1rem;
    font-weight: 700;
}

.page-hero-container p {
    font-size: 1.2rem;
    opacity: 0.9;
}

/* Application Form */
.application-form {
    padding: 3rem 0;
}

.form-container {
    max-width: 800px;
    margin: 0 auto;
    background-color: var(--light-text);
    border-radius: 8px;
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.1);
    padding: 2.5rem;
}

.form-section {
    margin-bottom: 2.5rem;
    padding-bottom: 2rem;
    border-bottom: 1px solid var(--gray-border);
}

.form-section:last-of-type {
    border-bottom: none;
}

.form-section h3 {
    color: var(--dark-maroon);
    margin-bottom: 1.5rem;
    font-size: 1.4rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid var(--dark-maroon);
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1.5rem;
}

.form-group {
    margin-bottom: 1rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: var(--dark-text);
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 0.75rem;
    border: 1px solid var(--gray-border);
    border-radius: 4px;
    font-size: 1rem;
    transition: border-color 0.3s ease;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--dark-maroon);
    box-shadow: 0 0 0 2px rgba(93, 15, 28, 0.1);
}

/* Collateral Notice */
.collateral-notice {
    background-color: #f8f9fa;
    border-left: 4px solid var(--dark-maroon);
    padding: 1.5rem;
    margin-top: 1.5rem;
    border-radius: 4px;
}

.collateral-notice h4 {
    color: var(--dark-maroon);
    margin-bottom: 1rem;
}

.collateral-breakdown {
    margin: 1.5rem 0;
}

.breakdown-item {
    display: flex;
    justify-content: space-between;
    padding: 0.5rem 0;
    border-bottom: 1px solid var(--gray-border);
}

.breakdown-item.total {
    font-weight: bold;
    border-bottom: none;
    border-top: 2px solid var(--gray-border);
    padding-top: 1rem;
    margin-top: 0.5rem;
}

.collateral-note {
    font-style: italic;
    color: #666;
    margin-top: 1rem;
}

/* Loan Repayment Calculator */
.repayment-calculator {
    background-color: #f8f9fa;
    border-radius: 8px;
    padding: 1.5rem;
    margin-top: 1rem;
}

.calculator-header {
    text-align: center;
    margin-bottom: 1.5rem;
}

.calculator-header h4 {
    color: var(--dark-maroon);
    margin-bottom: 0.5rem;
}

.calculator-results {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.result-card {
    background-color: var(--light-text);
    border-radius: 6px;
    padding: 1rem;
    display: flex;
    align-items: center;
    box-shadow: 0 2px 5px rgba(0, 0, 0, 0.05);
    border: 1px solid var(--gray-border);
}

.result-card.total {
    background-color: var(--dark-maroon);
    color: var(--light-text);
}

.result-icon {
    font-size: 1.5rem;
    margin-right: 1rem;
}

.result-details {
    display: flex;
    flex-direction: column;
}

.result-label {
    font-size: 0.9rem;
    opacity: 0.8;
}

.result-value {
    font-weight: bold;
    font-size: 1.1rem;
}

.repayment-schedule {
    margin-top: 1.5rem;
}

.repayment-schedule h5 {
    color: var(--dark-maroon);
    margin-bottom: 1rem;
}

.schedule-table {
    border: 1px solid var(--gray-border);
    border-radius: 4px;
    overflow: hidden;
}

.schedule-header,
.schedule-row {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr 1fr;
    padding: 0.75rem 1rem;
}

.schedule-header {
    background-color: var(--dark-maroon);
    color: var(--light-text);
    font-weight: bold;
}

.schedule-row:nth-child(even) {
    background-color: #f8f9fa;
}

.calculator-note {
    margin-top: 1rem;
    font-style: italic;
    color: #666;
    text-align: center;
}

/* Account Activation */
.activation-notice {
    background-color: #f8f9fa;
    border-left: 4px solid var(--dark-maroon);
    padding: 1.5rem;
    border-radius: 4px;
}

.activation-notice h4 {
    color: var(--dark-maroon);
    margin-bottom: 1rem;
}

.benefits-list {
    margin: 1.5rem 0;
}

.benefit-item {
    display: flex;
    align-items: flex-start;
    margin-bottom: 1rem;
}

.check-icon {
    background-color: #28a745;
    color: var(--light-text);
    border-radius: 50%;
    width: 20px;
    height: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 0.75rem;
    flex-shrink: 0;
    font-size: 0.8rem;
}

.fee-note {
    font-style: italic;
    color: #666;
    margin-top: 1rem;
}

/* Terms and Conditions */
.terms-container {
    background-color: #f8f9fa;
    padding: 1.5rem;
    border-radius: 4px;
}

.checkbox-group {
    display: flex;
    align-items: flex-start;
    margin-bottom: 1rem;
}

.checkbox-group input {
    margin-right: 0.75rem;
    margin-top: 0.25rem;
}

.terms-label {
    font-weight: normal;
    line-height: 1.4;
}

/* Submit Button */
.form-submit {
    text-align: center;
    margin-top: 2rem;
}

.submit-btn {
    background-color: var(--dark-maroon);
    color: var(--light-text);
    border: none;
    padding: 1rem 2rem;
    font-size: 1.1rem;
    font-weight: bold;
    border-radius: 4px;
    cursor: pointer;
    transition: background-color 0.3s;
    width: 100%;
    max-width: 400px;
}

.submit-btn:hover {
    background-color: var(--light-maroon);
}

.submit-btn:disabled {
    background-color: #cccccc;
    cursor: not-allowed;
}

.submit-note {
    margin-top: 1rem;
    color: #666;
    font-style: italic;
}

/* ===== Loans Page Specific Styles ===== */

.all-loans {
    padding: 80px 0;
    background-color: #f8f9fa;
}

.loans-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.loan-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 30px;
    margin-top: 40px;
}

.loan-item {
    background: white;
    border-radius: 15px;
    padding: 30px;
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
    border: 1px solid #e9ecef;
    position: relative;
    overflow: hidden;
}

.loan-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.15);
}

.loan-icon {
    font-size: 3rem;
    margin-bottom: 20px;
    display: block;
}

.loan-item h3 {
    color: var(--dark-maroon);
    font-size: 1.5rem;
    margin-bottom: 15px;
    font-weight: 600;
}

.loan-item p {
    color: #6c757d;
    line-height: 1.6;
    margin-bottom: 20px;
    font-size: 0.95rem;
}

.loan-features {
    background: #f8f9fa;
    padding: 20px;
    border-radius: 10px;
    margin: 25px 0;
    border-left: 4px solid var(--dark-maroon);
}

.loan-features span {
    display: block;
    color: #495057;
    font-weight: 500;
    margin-bottom: 8px;
    font-size: 0.9rem;
}

.loan-features span:last-child {
    margin-bottom: 0;
}

.loan-actions {
    display: flex;
    gap: 15px;
    margin-top: 25px;
}

.learn-more-btn {
    flex: 1;
    padding: 12px 20px;
    background: transparent;
    color: var(--dark-maroon);
    border: 2px solid var(--dark-maroon);
    border-radius: 8px;
    text-decoration: none;
    text-align: center;
    font-weight: 600;
    transition: all 0.3s ease;
}

.learn-more-btn:hover {
    background: var(--dark-maroon);
    color: white;
    transform: translateY(-2px);
}

.apply-now-btn {
    flex: 1;
    padding: 12px 20px;
    background: linear-gradient(135deg, var(--dark-maroon), var(--light-maroon));
    color: white;
    border: none;
    border-radius: 8px;
    text-decoration: none;
    text-align: center;
    font-weight: 600;
    transition: all 0.3s ease;
}

.apply-now-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(93, 15, 28, 0.4);
}

/* Loan Comparison Section */
.loan-comparison {
    padding: 80px 0;
    background: white;
}

.comparison-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    text-align: center;
}

.comparison-container h2 {
    font-size: 2.2rem;
    color: var(--dark-maroon);
    margin-bottom: 50px;
    font-weight: 700;
}

.comparison-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
}

.feature-card {
    padding: 30px 20px;
    background: #f8f9fa;
    border-radius: 12px;
    transition: all 0.3s ease;
}

.feature-card:hover {
    background: linear-gradient(135deg, var(--dark-maroon), var(--light-maroon));
    color: white;
    transform: translateY(-5px);
}

.feature-card:hover h3,
.feature-card:hover p {
    color: white;
}

.feature-card h3 {
    font-size: 1.3rem;
    margin-bottom: 15px;
    color: var(--dark-maroon);
    font-weight: 600;
}

.feature-card p {
    color: #6c757d;
    line-height: 1.5;
    font-size: 0.95rem;
}

/* ===== ASSET FINANCING SPECIFIC STYLES ===== */

/* File Upload Styles */
.file-upload-container {
    background-color: #f8f9fa;
    padding: 1.5rem;
    border-radius: 8px;
    border: 2px dashed var(--gray-border);
    transition: all 0.3s ease;
}

.file-upload-container:hover {
    border-color: var(--dark-maroon);
    background-color: #f0f2f5;
}

.file-upload-container input[type="file"] {
    width: 100%;
    padding: 0.75rem;
    margin-bottom: 1rem;
    border: 1px solid var(--gray-border);
    border-radius: 4px;
    background-color: var(--light-text);
}

.file-upload-info {
    font-size: 0.9rem;
}

.file-upload-info ul {
    margin: 0.5rem 0;
    padding-left: 1.5rem;
}

.file-upload-info li {
    margin-bottom: 0.25rem;
    color: #666;
}

.file-note {
    font-style: italic;
    color: #888;
    font-size: 0.85rem;
    margin-top: 0.5rem;
}

.full-width {
    grid-column: 1 / -1;
}

/* Asset Benefits Styles */
.asset-benefits {
    background: linear-gradient(135deg, #f8f9fa, #e9ecef);
    border-radius: 8px;
    padding: 1.5rem;
    margin-top: 1.5rem;
    border-left: 4px solid var(--dark-maroon);
}

.asset-content h4 {
    color: var(--dark-maroon);
    margin-bottom: 1rem;
    font-size: 1.2rem;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1rem;
}

.benefit-item {
    display: flex;
    align-items: center;
    padding: 0.75rem;
    background-color: var(--light-text);
    border-radius: 6px;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
}

.benefit-icon {
    font-size: 1.5rem;
    margin-right: 0.75rem;
    flex-shrink: 0;
}

/* ===== PAYMENT PAGE STYLES ===== */

.fee-payment {
    padding: 40px 0;
    background: #f8f9fa;
}

.payment-container {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 20px;
}

.payment-summary {
    background: white;
    border-radius: 15px;
    padding: 40px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
}

.summary-card {
    margin-bottom: 30px;
}

.application-details {
    background: #f8f9fa;
    padding: 20px;
    border-radius: 10px;
    margin-bottom: 25px;
}

.detail-item {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px solid #eee;
}

.detail-item:last-child {
    border-bottom: none;
}

.fee-breakdown {
    background: #fff;
    border: 2px solid #e9ecef;
    border-radius: 10px;
    padding: 25px;
    margin-bottom: 25px;
}

.fee-breakdown h3 {
    color: var(--dark-maroon);
    margin-bottom: 20px;
    font-size: 1.3rem;
}

.fee-item {
    display: flex;
    justify-content: space-between;
    padding: 12px 0;
    border-bottom: 1px solid #f8f9fa;
}

.fee-item:last-child {
    border-bottom: none;
}

.fee-total {
    display: flex;
    justify-content: space-between;
    padding: 15px 0;
    border-top: 2px solid var(--dark-maroon);
    margin-top: 15px;
    font-size: 1.2rem;
    color: var(--dark-maroon);
}

.security-fee {
    display: none;
}

/* Payment Notes */
.payment-notes {
    background: #fff3cd;
    border: 1px solid #ffeaa7;
    border-radius: 8px;
    padding: 20px;
    margin: 20px 0;
}

.note-item {
    display: flex;
    align-items: flex-start;
    gap: 15px;
    margin-bottom: 15px;
}

.note-item:last-child {
    margin-bottom: 0;
}

.note-icon {
    font-size: 1.2rem;
    flex-shrink: 0;
}

.note-text {
    color: #856404;
    line-height: 1.5;
}

/* Payment Benefits */
.payment-benefits {
    margin: 40px 0;
}

.payment-benefits h3 {
    color: var(--dark-maroon);
    margin-bottom: 25px;
    text-align: center;
    font-size: 1.4rem;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
}

.benefit-card {
    background: #f8f9fa;
    padding: 25px 20px;
    border-radius: 10px;
    text-align: center;
    transition: transform 0.3s ease;
}

.benefit-card:hover {
    transform: translateY(-5px);
}

.benefit-icon {
    font-size: 2.5rem;
    margin-bottom: 15px;
}

.benefit-card h4 {
    color: var(--dark-maroon);
    margin-bottom: 10px;
    font-size: 1.1rem;
}

.benefit-card p {
    color: #666;
    font-size: 0.9rem;
    line-height: 1.5;
}

/* Payment Method */
.payment-method-section {
    margin: 40px 0;
}

.payment-method-section h3 {
    color: var(--dark-maroon);
    margin-bottom: 20px;
    font-size: 1.4rem;
}

.payment-option {
    background: white;
    border: 2px solid #e9ecef;
    border-radius: 10px;
    padding: 25px;
    transition: all 0.3s ease;
}

.payment-option:hover {
    border-color: var(--dark-maroon);
    background: #fff5f5;
}

.payment-option-header {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-bottom: 15px;
}

.payment-icon {
    font-size: 2rem;
}

.payment-info h4 {
    color: #333;
    margin-bottom: 5px;
    font-size: 1.1rem;
}

.payment-info p {
    color: #666;
    font-size: 0.9rem;
}

.accepted-methods {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.method-badge {
    background: var(--dark-maroon);
    color: white;
    padding: 5px 12px;
    border-radius: 15px;
    font-size: 0.8rem;
    font-weight: 500;
}

/* Payment Terms */
.payment-terms-simple {
    background: #f8f9fa;
    padding: 20px;
    border-radius: 8px;
    margin: 30px 0;
}

.payment-terms-simple input[type="checkbox"] {
    margin-right: 10px;
}

.payment-terms-simple label {
    color: #333;
    line-height: 1.5;
    cursor: pointer;
}

/* Payment Action */
.payment-action-simple {
    text-align: center;
    margin: 30px 0;
}

.payment-btn-simple {
    background: linear-gradient(135deg, var(--dark-maroon), var(--light-maroon));
    color: white;
    border: none;
    padding: 18px 40px;
    font-size: 1.2rem;
    font-weight: bold;
    border-radius: 10px;
    cursor: pointer;
    transition: all 0.3s ease;
    display: inline-block;
    min-width: 250px;
    box-shadow: 0 4px 15px rgba(93, 15, 28, 0.3);
}

.payment-btn-simple:hover {
    background: linear-gradient(135deg, var(--light-maroon), var(--dark-maroon));
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(93, 15, 28, 0.4);
}

.payment-btn-simple:disabled {
    background: #cccccc;
    cursor: not-allowed;
    transform: none;
    box-shadow: none;
}

.payment-security {
    margin-top: 15px;
    color: #666;
    font-size: 0.9rem;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

.security-icon {
    font-size: 1rem;
}

/* Support Section */
.payment-support {
    background: #f8f9fa;
    padding: 25px;
    border-radius: 10px;
    margin-top: 40px;
    text-align: center;
}

.payment-support h4 {
    color: var(--dark-maroon);
    margin-bottom: 20px;
    font-size: 1.2rem;
}

.support-options {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 15px;
}

.support-option {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 12px;
    background: white;
    border-radius: 8px;
    color: #333;
}

.support-icon {
    font-size: 1.1rem;
}

/* ===== Responsive Design ===== */
@media screen and (max-width: 768px) {
    .nav-menu {
        display: none;
        flex-direction: column;
        width: 100%;
        position: absolute;
        top: 70px;
        left: 0;
        background-color: var(--light-text);
        box-shadow: 0 10px 10px rgba(0, 0, 0, 0.1);
    }

    .nav-menu.active {
        display: flex;
    }

    .nav-item {
        margin: 0;
        text-align: center;
        padding: 1rem 0;
        border-bottom: 1px solid var(--gray-border);
    }

    .menu-toggle {
        display: flex;
    }

    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-content {
        padding-right: 0;
        margin-bottom: 2rem;
    }

    .steps-wrapper, .loans-wrapper, .testimonials-wrapper {
        flex-direction: column;
    }

    .footer-links {
        flex-direction: column;
    }

    .loan-actions {
        flex-direction: column;
        gap: 0.5rem;
    }

    .hero-image {
        height: 300px;
        order: -1;
    }

    .hero-content h1 {
        font-size: 2.2rem;
    }
    
    .hero-content p {
        font-size: 1.1rem;
    }

    /* Form Responsive */
    .form-container {
        padding: 1.5rem;
        margin: 0 1rem;
    }

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

    .calculator-results {
        grid-template-columns: 1fr;
    }

    .schedule-header,
    .schedule-row {
        grid-template-columns: 1fr 1fr;
        font-size: 0.9rem;
    }

    .page-hero {
        padding: 40px 0 30px;
    }
    
    .page-hero-container h1 {
        font-size: 2rem;
    }
    
    .loan-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .loan-item {
        padding: 25px;
    }
    
    .loan-actions {
        flex-direction: column;
    }
    
    .comparison-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .all-loans,
    .loan-comparison {
        padding: 60px 0;
    }

    /* Payment Page Responsive */
    .fee-payment {
        padding: 20px 0;
    }
    
    .payment-summary {
        padding: 25px 20px;
    }
    
    .benefits-grid {
        grid-template-columns: 1fr;
        gap: 15px;
    }
    
    .payment-option-header {
        flex-direction: column;
        text-align: center;
        gap: 10px;
    }
    
    .accepted-methods {
        justify-content: center;
    }
    
    .payment-btn-simple {
        width: 100%;
        padding: 15px 20px;
        font-size: 1.1rem;
    }
    
    .support-options {
        grid-template-columns: 1fr;
    }
    
    .detail-item {
        flex-direction: column;
        gap: 5px;
    }
    
    .fee-item {
        flex-direction: column;
        gap: 5px;
    }
    
    .fee-total {
        flex-direction: column;
        gap: 10px;
        text-align: center;
    }

    /* Asset Financing Responsive */
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .file-upload-container {
        padding: 1rem;
    }
    
    .file-upload-info ul {
        padding-left: 1rem;
    }
}

@media (max-width: 480px) {
    .loans-container,
    .comparison-container {
        padding: 0 15px;
    }
    
    .loan-item {
        padding: 20px;
    }
    
    .loan-icon {
        font-size: 2.5rem;
    }
    
    .loan-item h3 {
        font-size: 1.3rem;
    }

    .form-container {
        padding: 1rem;
        margin: 0 0.5rem;
    }

    .page-hero-container h1 {
        font-size: 1.8rem;
    }

    .page-hero-container p {
        font-size: 1rem;
    }

    /* Payment Page Mobile */
    .payment-container {
        padding: 0 15px;
    }
    
    .payment-summary {
        padding: 20px 15px;
    }
    
    .fee-breakdown {
        padding: 20px 15px;
    }
}