:root {
  --primary: #c39a47;
  --primary-dark: #a78035;
  --primary-soft: #f2e3b9;
  --gold: #d0ab58;
  --ink: #2f2a21;
  --text: #48433c;
  --muted: #7b756b;
  --white: #ffffff;
  --surface: #fffdf8;
  --surface-2: #f8f5ed;
  --border: rgba(70, 56, 27, 0.12);
  --shadow: 0 18px 50px rgba(81, 63, 22, 0.12);
  --radius: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Plus Jakarta Sans', Arial, sans-serif;
  color: var(--text);
  background: linear-gradient(180deg, #fffdf8 0%, #fffaf1 100%);
  line-height: 1.65;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }

.skip-link {
  position: absolute;
  left: 12px;
  top: -48px;
  background: var(--ink);
  color: #fff;
  padding: 10px 14px;
  border-radius: 10px;
  z-index: 999;
}
.skip-link:focus { top: 12px; }

.container {
  width: min(1160px, calc(100% - 32px));
  margin: 0 auto;
}

.section { padding: 88px 0; }
.section-head { max-width: 760px; margin-bottom: 40px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head.light h2,
.section-head.light p { color: var(--white); }
.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
  padding: 8px 14px;
  border-radius: 999px;
  background: rgba(195, 154, 71, 0.12);
  color: var(--primary-dark);
  font-size: 0.92rem;
  font-weight: 700;
}
.section-tag.light {
  background: rgba(255,255,255,0.14);
  color: #fff7dc;
}
.section h2,
.hero h1 {
  margin: 0 0 14px;
  color: var(--ink);
  line-height: 1.15;
}
.section h2 { font-size: clamp(2rem, 3vw, 3rem); }
.section p { margin: 0; color: var(--muted); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 252, 246, 0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(70, 56, 27, 0.08);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 78px;
}
.brand img { height: 48px; width: auto; }
.site-nav {
  display: flex;
  align-items: center;
  gap: 24px;
}
.site-nav a {
  font-size: 0.96rem;
  font-weight: 600;
  color: var(--text);
}
.site-nav a:hover { color: var(--primary-dark); }
.nav-cta {
  background: var(--primary);
  color: #fff !important;
  padding: 12px 18px;
  border-radius: 999px;
  box-shadow: 0 10px 24px rgba(195, 154, 71, 0.28);
}
.nav-toggle {
  display: none;
  border: 0;
  background: transparent;
  width: 46px;
  height: 46px;
  padding: 0;
}
.nav-toggle span {
  display: block;
  height: 2px;
  width: 24px;
  margin: 5px auto;
  background: var(--ink);
  border-radius: 2px;
}

.hero {
  position: relative;
  min-height: 92svh;
  display: grid;
  align-items: center;
  overflow: clip;
  padding: 0;
}
.hero-media,
.hero-media img,
.hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}
.hero-media img { object-fit: cover; }
.hero-overlay {
  background:
    linear-gradient(90deg, rgba(29, 22, 10, 0.78) 0%, rgba(29, 22, 10, 0.66) 36%, rgba(29, 22, 10, 0.28) 100%),
    linear-gradient(180deg, rgba(195, 154, 71, 0.14) 0%, rgba(195, 154, 71, 0.02) 100%);
}
.hero-content {
  position: relative;
  z-index: 1;
  padding-top: 120px;
  padding-bottom: 80px;
}
.eyebrow {
  display: inline-block;
  margin-bottom: 14px;
  color: #fff0c2;
  font-weight: 700;
  letter-spacing: 0.02em;
}
.hero h1 {
  max-width: 820px;
  color: #fff;
  font-size: clamp(2.5rem, 6vw, 4.85rem);
}
.hero p {
  max-width: 690px;
  font-size: 1.1rem;
  color: rgba(255,255,255,0.88);
}
.hero-actions,
.contact-actions,
.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 28px;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 22px;
  border-radius: 999px;
  font-weight: 700;
  border: 1px solid transparent;
  transition: transform 0.22s ease, background 0.22s ease, border-color 0.22s ease, color 0.22s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 14px 26px rgba(195, 154, 71, 0.26);
}
.btn-primary:hover { background: var(--primary-dark); }
.btn-secondary,
.btn-ghost {
  background: rgba(255,255,255,0.08);
  border-color: rgba(255,255,255,0.32);
  color: #fff;
}
.btn-secondary:hover,
.btn-ghost:hover { background: rgba(255,255,255,0.14); }
.btn-small { padding: 12px 16px; font-size: 0.94rem; }

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 42px;
}
.stat-card {
  padding: 20px 22px;
  border-radius: 22px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  backdrop-filter: blur(10px);
}
.stat-card strong {
  display: block;
  margin-bottom: 6px;
  color: #fff;
  font-size: 1rem;
}
.stat-card span { color: rgba(255,255,255,0.82); font-size: 0.95rem; }

.trust-strip { background: var(--white); }
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}
.trust-item {
  padding: 28px;
  border-radius: var(--radius);
  background: var(--surface);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}
.icon-circle {
  width: 58px;
  height: 58px;
  display: grid;
  place-items: center;
  border-radius: 18px;
  margin-bottom: 18px;
  background: linear-gradient(180deg, #f7e8c3 0%, #edd59a 100%);
}
.icon-circle svg { width: 28px; height: 28px; fill: var(--ink); }
.trust-item h3,
.service-body h3,
.process-card h3,
.faq-copy h2,
.contact-info h2,
.footer-grid h3,
.info-card h3 {
  margin: 0 0 10px;
  color: var(--ink);
}

.about-section { background: linear-gradient(180deg, #fffdf8 0%, #fcf6e8 100%); }
.about-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 42px;
  align-items: center;
}
.about-copy p + p { margin-top: 16px; }
.about-bullets {
  display: grid;
  gap: 14px;
  margin-top: 28px;
}
.about-bullets div {
  padding: 16px 18px;
  border-left: 4px solid var(--primary);
  background: rgba(255,255,255,0.7);
  border-radius: 0 18px 18px 0;
}
.about-bullets strong {
  display: block;
  color: var(--ink);
  margin-bottom: 4px;
}
.about-bullets span { color: var(--muted); }
.about-media {
  display: grid;
  gap: 20px;
}
.main-media img,
.small-media img,
.contact-photo img,
.service-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.main-media {
  min-height: 440px;
}
.media-card {
  overflow: hidden;
  border-radius: 28px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  background: var(--white);
}
.media-stack {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.small-media { min-height: 210px; }
.info-card {
  padding: 24px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.info-card p { margin-bottom: 18px; }

.services-section { background: var(--white); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}
.service-card {
  overflow: hidden;
  border-radius: 28px;
  background: var(--surface);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}
.service-image { aspect-ratio: 16 / 10; overflow: hidden; }
.service-image img { transition: transform 0.45s ease; }
.service-card:hover .service-image img { transform: scale(1.05); }
.service-body { padding: 24px; }
.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 18px;
  color: var(--primary-dark);
  font-weight: 700;
}
.text-link::after { content: '→'; }

.process-section {
  background: linear-gradient(180deg, #fbf3dd 0%, #f8ecd1 100%);
}
.process-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 16px;
}
.process-card {
  padding: 22px;
  border-radius: 24px;
  background: rgba(255,255,255,0.74);
  border: 1px solid rgba(167, 128, 53, 0.16);
}
.process-card span {
  display: inline-grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 14px;
  margin-bottom: 16px;
  background: var(--primary);
  color: #fff;
  font-weight: 800;
}

.loan-section {
  background: linear-gradient(180deg, #c9a04d 0%, #b78d3a 100%);
}
.loan-table-card {
  padding: 24px;
  border-radius: 30px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.18);
  box-shadow: 0 26px 60px rgba(69, 47, 8, 0.18);
}
.table-responsive {
  overflow: auto;
  background: #fff;
  border-radius: 24px;
  padding: 16px;
}
.loan-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 760px;
  color: var(--ink);
}
.loan-table th,
.loan-table td {
  padding: 12px 10px;
  border: 1px solid #d7d0c1;
  text-align: center;
  font-weight: 600;
}
.loan-table thead th {
  background: #f5f1e7;
  color: var(--ink);
}
.loan-table tbody tr:nth-child(even) { background: #fcfaf5; }
.table-note {
  margin-top: 16px !important;
  color: rgba(255,255,255,0.88) !important;
  text-align: center;
}

.faq-section { background: var(--white); }
.faq-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 30px;
  align-items: start;
}
.faq-list { display: grid; gap: 14px; }
.faq-list details {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 18px 20px;
}
.faq-list summary {
  cursor: pointer;
  list-style: none;
  font-weight: 700;
  color: var(--ink);
  position: relative;
  padding-right: 28px;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: '+';
  position: absolute;
  right: 0;
  top: 0;
  color: var(--primary-dark);
  font-size: 1.3rem;
}
.faq-list details[open] summary::after { content: '–'; }
.faq-list details p { margin-top: 12px; }

.cta-section { padding-top: 20px; }
.cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 34px;
  border-radius: 30px;
  background: linear-gradient(135deg, #2f2413 0%, #6c5222 100%);
  color: #fff;
  box-shadow: 0 22px 56px rgba(57, 38, 7, 0.22);
}
.cta-card h2,
.cta-card p { color: #fff; }

.contact-section { background: linear-gradient(180deg, #fffdf8 0%, #f7f1e4 100%); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 0.9fr;
  gap: 26px;
}
.contact-card {
  border-radius: 30px;
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  background: var(--white);
}
.contact-info { padding: 34px; }
.contact-list {
  display: grid;
  gap: 18px;
  margin-top: 22px;
}
.contact-item strong {
  display: block;
  margin-bottom: 4px;
  color: var(--ink);
}
.contact-item a { color: var(--primary-dark); font-weight: 700; }
.contact-photo img { min-height: 100%; }
.social-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
}
.social-chip {
  padding: 10px 14px;
  border-radius: 999px;
  background: var(--surface-2);
  color: var(--primary-dark);
  font-weight: 700;
  border: 1px solid rgba(167, 128, 53, 0.14);
}

.site-footer {
  padding-top: 52px;
  background: #2f2413;
  color: rgba(255,255,255,0.8);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.8fr 0.9fr;
  gap: 30px;
}
.footer-logo {
  width: 200px;
  margin-bottom: 18px;
}
.footer-grid h3 {
  color: #fff;
  margin-bottom: 12px;
}
.footer-grid ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 8px;
}
.footer-grid a:hover { color: #fff; }
.footer-bottom {
  padding: 18px 0 26px;
  margin-top: 26px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.footer-bottom p { margin: 0; text-align: center; }

.floating-wa {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 90;
  width: 62px;
  height: 62px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: linear-gradient(180deg, #d2aa59 0%, #bb913f 100%);
  color: #fff;
  box-shadow: 0 18px 40px rgba(195, 154, 71, 0.34);
}
.floating-wa svg { width: 28px; height: 28px; fill: currentColor; }

@media (max-width: 1080px) {
  .hero-stats,
  .trust-grid,
  .services-grid,
  .process-grid,
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .process-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .about-grid,
  .contact-grid,
  .faq-grid { grid-template-columns: 1fr; }
}

@media (max-width: 820px) {
  .nav-toggle { display: block; }
  .site-nav {
    position: absolute;
    top: calc(100% + 8px);
    right: 16px;
    left: 16px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 8px;
    padding: 16px;
    border-radius: 24px;
    background: rgba(255, 252, 246, 0.98);
    box-shadow: 0 18px 48px rgba(67, 49, 15, 0.16);
    border: 1px solid rgba(70, 56, 27, 0.08);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 10px 8px; }
  .nav-cta { text-align: center; }

  .section { padding: 72px 0; }
  .hero { min-height: auto; }
  .hero-content { padding-top: 126px; }
  .hero-stats,
  .trust-grid,
  .services-grid,
  .process-grid,
  .footer-grid,
  .media-stack { grid-template-columns: 1fr; }
  .cta-card { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 560px) {
  .container { width: min(100% - 22px, 1160px); }
  .section { padding: 62px 0; }
  .hero h1 { font-size: 2.4rem; }
  .hero p { font-size: 1rem; }
  .btn { width: 100%; }
  .trust-item,
  .service-body,
  .contact-info,
  .process-card,
  .faq-list details,
  .cta-card { padding: 20px; }
  .loan-table th,
  .loan-table td { padding: 10px 8px; font-size: 0.92rem; }
  .floating-wa { width: 58px; height: 58px; }
}