/* Modern Color Scheme */
:root {
  --primary: #2563eb;
  --primary-dark: #1d4ed8;
  --primary-light: #dbeafe;
  --secondary: #f59e0b;
  --secondary-dark: #d97706;
  --accent: #ec4899;
  --dark: #1e293b;
  --dark-gray: #334155;
  --gray: #64748b;
  --light-gray: #e2e8f0;
  --light: #f1f5f9;
  --white: #ffffff;
  --success: #10b981;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.12);
  --shadow-md: 0 4px 6px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 25px rgba(0,0,0,0.1);
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --border-radius: 12px;
  --border-radius-sm: 6px;
}

/* Dark Mode Colors */
[data-theme="dark"] {
  --primary: #3b82f6;
  --primary-dark: #2563eb;
  --primary-light: #1e3a8a;
  --secondary: #f59e0b;
  --accent: #ec4899;
  --dark: #f8fafc;
  --dark-gray: #e2e8f0;
  --gray: #94a3b8;
  --light-gray: #1e293b;
  --light: #0f172a;
  --white: #020617;
}

/* Base Styles */
body {
      font-family: 'Poppins', sans-serif;
      color: var(--dark);
      background-color: var(--white);
      line-height: 1.6;
      transition: background-color 0.3s ease;
      margin: 0;
      padding: 0;
    }

    .container {
      width: 100%;
      max-width: 1200px;
      margin: 0 auto;
      padding: 0 20px;
    }

h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
}

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

a:hover {
  color: var(--primary-dark);
}


/* Theme Toggle */
.theme-toggle {
  position: fixed;
  top: 20px;
  right: 20px;
  z-index: 1000;
}

#theme-switcher {
  background: var(--light-gray);
  border: none;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

#theme-switcher i {
  position: absolute;
  transition: var(--transition);
}

#theme-switcher .fa-moon {
  opacity: 1;
}

#theme-switcher .fa-sun {
  opacity: 0;
}

[data-theme="dark"] #theme-switcher .fa-moon {
  opacity: 0;
}

[data-theme="dark"] #theme-switcher .fa-sun {
  opacity: 1;
}

/* Header Styles */
/* Header Styles */
    .main-header {
      position: fixed;
      top: 0;
      left: 0;
      width: 100%;
      background: white;
      box-shadow: 0 2px 10px rgba(0,0,0,0.1);
      z-index: 1000;
      padding: 15px 0;
    }

    .header-grid {
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

    .logo img {
      height: 40px;
    }

    .primary-nav ul {
      display: flex;
      gap: 25px;
      list-style: none;
      margin: 0;
      padding: 0;
    }

    .primary-nav a {
      color: var(--dark);
      text-decoration: none;
      font-weight: 500;
      display: flex;
      align-items: center;
      gap: 5px;
    }

    .dropdown {
      position: relative;
    }

    .dropdown-menu {
      position: absolute;
      left: 0;
      top: 100%;
      width: 600px;
      background: white;
      box-shadow: var(--shadow-lg);
      border-radius: 0 0 8px 8px;
      display: none;
      z-index: 1001;
    }

    .dropdown:hover .dropdown-menu {
      display: block;
    }

    .header-actions {
      display: flex;
      gap: 15px;
      align-items: center;
    }

    .btn-login, .btn-contact {
      padding: 10px 20px;
      border-radius: var(--border-radius-sm);
      font-weight: 600;
      transition: var(--transition);
      display: inline-flex;
      align-items: center;
      gap: 8px;
    }

    .btn-login {
      background: var(--light-gray);
      color: var(--dark);
    }

    .btn-contact {
      background: var(--primary);
      color: white;
    }

    .btn-login:hover, .btn-contact:hover {
      transform: translateY(-2px);
      box-shadow: var(--shadow-md);
    }


/* Hero Section */
.hero {
  position: relative;
  padding: 120px 0 100px;
  overflow: hidden;
  color: white;
  padding-top: 120px;
}

.hero-background {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: -1;
}

.hero-background .bg-blur {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 86, 179, 0.85);
  backdrop-filter: blur(2px);
}

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

.hero-text {
  max-width: 600px;
}

.hero-subtitle {
  font-size: 1.1rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 15px;
  display: inline-block;
  padding: 8px 15px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 30px;
}

.hero-title {
  font-size: 3.2rem;
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 20px;
}

.hero-title .highlight {
  position: relative;
  display: inline-block;
}

.hero-title .highlight::after {
  content: '';
  position: absolute;
  bottom: 5px;
  left: 0;
  width: 100%;
  height: 12px;
  background: var(--secondary);
  z-index: -1;
  opacity: 0.7;
  transform: rotate(-1deg);
}

.hero-description {
  font-size: 1.1rem;
  line-height: 1.6;
  margin-bottom: 30px;
  opacity: 0.9;
  max-width: 500px;
}

.hero-cta {
  display: flex;
  gap: 15px;
  margin-bottom: 40px;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 25px;
  border-radius: 8px;
  font-weight: 600;
  transition: all 0.3s ease;
}

.btn-primary {
  background: var(--secondary);
  color: white;
  box-shadow: 0 4px 15px rgba(255, 127, 0, 0.3);
}

.btn-primary:hover {
  background: #e67300;
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(255, 127, 0, 0.4);
}

.btn-outline {
  background: transparent;
  border: 2px solid white;
  color: white;
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.1);
  transform: translateY(-3px);
}

.hero-stats {
  display: flex;
  gap: 30px;
  margin-top: 40px;
}

.stat-item {
  position: relative;
  padding-right: 30px;
}

.stat-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 15px;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 30px;
  background: rgba(255, 255, 255, 0.3);
}

.stat-value {
  font-size: 1.8rem;
  font-weight: 700;
  margin-bottom: 5px;
}

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

/* Hero Visual */
.hero-visual {
  position: relative;
  perspective: 1000px;
}

.card-stack {
  position: relative;
  height: 400px;
}

.card {
  position: absolute;
  width: 320px;
  background: white;
  border-radius: 15px;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.15);
  transition: all 0.5s cubic-bezier(0.25, 0.8, 0.25, 1);
  overflow: hidden;
}

.card-1 {
  top: 0;
  left: 0;
  z-index: 2;
  transform: rotate(-5deg);
}

.card-2 {
  top: 40px;
  left: 40px;
  z-index: 1;
  transform: rotate(5deg);
}

.card:hover {
  transform: rotate(0deg) translateY(-10px);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.2);
}

.card-content {
  padding: 25px;
}

.card-header {
  display: flex;
  align-items: center;
  gap: 15px;
  margin-bottom: 20px;
  color: var(--primary);
}

.card-header i {
  font-size: 1.8rem;
}

.card-header h4 {
  font-size: 1.3rem;
  margin: 0;
}

.card-body {
  color: var(--dark);
}

.interest-rate {
  font-size: 1.1rem;
  color: var(--success);
  margin-bottom: 5px;
  font-weight: 600;
}

.loan-amount {
  font-size: 1.8rem;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--dark);
}

.card-cta {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  color: var(--primary);
  font-weight: 600;
  transition: all 0.3s ease;
}

.card-cta:hover {
  color: var(--primary-dark);
  gap: 10px;
}

.floating-badge {
  position: absolute;
  bottom: 40px;
  right: 0;
  z-index: 3;
}

.badge-content {
  display: flex;
  align-items: center;
  gap: 10px;
  background: white;
  color: var(--dark);
  padding: 12px 20px;
  border-radius: 30px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
  font-weight: 600;
}

.badge-content i {
  color: var(--secondary);
}

 .horizontal-loans {
    padding: 40px 0;
    background: white;
    overflow-x: auto;
  }

  .loan-cards-container {
    display: flex;
    gap: 20px;
    padding: 10px 0;
    min-width: fit-content;
  }

  .loan-card.compact {
    min-width: 280px;
    background: white;
    border-radius: 12px;
    padding: 20px;
    box-shadow: 0 5px 15px rgba(0,0,0,0.1);
    border: 1px solid var(--light-gray);
    display: flex;
    flex-direction: column;
  }

  .loan-content {
    flex: 1;
    display: flex;
    flex-direction: column;
  }

  .loan-icon {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 15px;
    font-size: 1.2rem;
    color: white;
  }

  .car-loan { background: linear-gradient(135deg, #f59e0b, #d97706); }
  .business-loan { background: linear-gradient(135deg, #8b5cf6, #7c3aed); }

  .loan-card h3 {
    font-size: 1.3rem;
    margin-bottom: 10px;
    color: var(--dark);
  }

  .loan-amount {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 15px;
    color: var(--dark);
  }

  .loan-features {
    margin-bottom: 20px;
    padding-left: 0;
    list-style: none;
    flex: 1;
  }

  .loan-features li {
    display: flex;
    align-items: center;
    margin-bottom: 8px;
    color: var(--gray);
    font-size: 0.9rem;
  }

  .loan-features li i {
    margin-right: 6px;
    color: var(--primary);
    font-size: 0.8rem;
  }

  .btn-apply {
    display: inline-block;
    padding: 10px 20px;
    background: var(--primary);
    color: white;
    border-radius: 6px;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.3s ease;
    border: none;
    cursor: pointer;
    text-align: center;
    margin-top: auto;
  }

  .btn-apply:hover {
    background: var(--primary-dark);
  }

  /* For two rows when needed */
  @media (max-width: 600px) {
    .loan-cards-container {
      flex-wrap: wrap;
    }
    
    .loan-card.compact {
      min-width: calc(50% - 15px);
    }
  }

  /* Single column on very small screens */
  @media (max-width: 400px) {
    .loan-card.compact {
      min-width: 100%;
    }
  }
/* Hexagonal Grid */
.solutions {
  padding: 80px 0;
}

.hex-grid {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-top: 60px;
}

.hex-row {
  display: flex;
  justify-content: center;
  margin-bottom: -30px;
}

.hexagon {
  width: 200px;
  height: 230px;
  margin: 0 10px;
  position: relative;
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  transition: var(--transition);
  display: flex;
  justify-content: center;
  align-items: center;
}

.hexagon:hover {
  transform: scale(1.1) translateY(-10px);
}

.hex-content {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 20px;
  width: 100%;
  height: 100%;
}

.hex-content i {
  font-size: 2.5rem;
  margin-bottom: 15px;
}

.hex-content h3 {
  font-size: 1.2rem;
  margin: 0;
  color: white;
}

.protection { background: var(--primary); }
.growth { background: var(--success); }
.tax { background: var(--secondary); }
.core { background: var(--accent); }
.retirement { background: rgba(8, 213, 254, 0.929); }

.hex-row:nth-child(2) {
  margin-left: 110px;
}

/* Performance Section */
.performance {
  position: relative;
  padding: 100px 0;
  color: white;
  overflow: hidden;
}

.performance-background {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: -1;
}

.performance-background .bg-blur {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 86, 179, 0.85);
  backdrop-filter: blur(2px);
}

.performance-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
}

.metric-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border-radius: var(--border-radius);
  padding: 30px;
  margin-bottom: 20px;
}

.metric-value {
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.metric-label {
  font-size: 1rem;
  opacity: 0.9;
  margin-bottom: 15px;
}

.metric-bar {
  height: 8px;
  background: rgba(255, 255, 255, 0.2);
  border-radius: 4px;
  overflow: hidden;
}

.bar-fill {
  height: 100%;
  background: white;
}

/* Investment Tabs */
.investment-section {
  padding: 80px 0;
}

.investment-tabs {
  background: var(--white);
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.tab-buttons {
  display: flex;
  border-bottom: 1px solid var(--light-gray);
}

.inv-tab-btn {
  flex: 1;
  padding: 20px;
  background: none;
  border: none;
  cursor: pointer;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: var(--transition);
}

.inv-tab-btn.active {
  color: var(--primary);
  border-bottom: 3px solid var(--primary);
}

.inv-tab-btn:hover:not(.active) {
  background: var(--light);
}

.inv-tab-content {
  display: none;
  padding: 40px;
}

.inv-tab-content.active {
  display: flex;
  gap: 40px;
}

.content-left {
  flex: 1;
}

.content-right {
  flex: 1;
}

.performance-metrics {
  display: flex;
  gap: 20px;
  margin: 25px 0;
}

.metric {
  flex: 1;
  text-align: center;
  padding: 15px;
  background: var(--light);
  border-radius: var(--border-radius);
}

.metric .value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

.metric .label {
  font-size: 0.875rem;
  color: var(--gray);
}

.feature-list {
  list-style: none;
  margin-top: 25px;
}

.feature-list li {
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.feature-list i {
  color: var(--success);
}

.fund-categories {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.fund-category {
  padding: 20px;
  background: var(--light);
  border-radius: var(--border-radius);
  transition: var(--transition);
}

.fund-category:hover {
  background: var(--primary-light);
  transform: translateY(-5px);
}

.fund-category h4 {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}

.fund-category h4 i {
  color: var(--primary);
}

.fund-category p {
  font-size: 0.875rem;
  color: var(--gray);
  margin-bottom: 15px;
}

.fund-category a {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--primary);
  display: flex;
  align-items: center;
  gap: 5px;
}

/* Dashboard Section */
.dashboard-section {
  padding: 80px 0;
}

.dashboard {
  background: var(--white);
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-lg);
  padding: 30px;
  margin: 60px 0;
}

.dashboard-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 30px;
}

.dashboard-widgets {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 20px;
}

.widget {
  background: var(--light);
  border-radius: var(--border-radius-sm);
  padding: 20px;
  transition: var(--transition);
}

.widget:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
}

.widget-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 15px;
}

.widget-value {
  font-size: 2rem;
  font-weight: 700;
  color: var(--primary);
}

.widget-change {
  display: flex;
  align-items: center;
  font-size: 0.9rem;
}

.positive {
  color: var(--success);
}

.negative {
  color: #ef4444;
}

/* Calculator Section */
.calculator-section {
  position: relative;
  padding: 80px 0;
  color: white;
  overflow: hidden;
}

.calculator-background {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  z-index: -1;
}

.calculator-background .bg-blur {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 86, 179, 0.85);
  backdrop-filter: blur(2px);
}

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

.calculator-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--border-radius);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.calculator-tabs {
  display: flex;
  margin-bottom: 30px;
  border-bottom: 1px solid var(--light-gray);
}

.calc-tab {
  padding: 10px 20px;
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  font-weight: 600;
}

.calc-tab.active {
  border-bottom-color: var(--primary);
  color: var(--primary);
}

.input-group {
  margin-bottom: 20px;
}

.input-group label {
  display: block;
  margin-bottom: 8px;
  font-weight: 500;
}

.input-group input, 
.input-group select {
  width: 100%;
  padding: 12px 15px;
  border: 1px solid var(--light-gray);
  border-radius: var(--border-radius-sm);
  background: rgba(255, 255, 255, 0.9);
  color: var(--dark);
}

.range-slider {
  width: 100%;
  margin: 15px 0;
}

.calc-results {
  background: var(--primary-light);
  padding: 20px;
  border-radius: var(--border-radius-sm);
  margin-top: 30px;
}

.result-row {
  display: flex;
  justify-content: space-between;
  margin-bottom: 10px;
}

.result-value {
  font-weight: 700;
}

/* Market Ticker */
.market-ticker {
  background: var(--dark);
  color: white;
  padding: 15px 0;
  overflow: hidden;
}

.ticker-container {
  display: flex;
  align-items: center;
  animation: ticker 30s linear infinite;
}

.ticker-item {
  display: flex;
  align-items: center;
  margin-right: 40px;
  white-space: nowrap;
}

.ticker-symbol {
  font-weight: 700;
  margin-right: 10px;
}

.ticker-price {
  margin-right: 10px;
}

.ticker-change {
  margin-left: 10px;
}

.positive {
  color: var(--success);
}

.negative {
  color: #ef4444;
}

@keyframes ticker {
  0% { transform: translateX(100%); }
  100% { transform: translateX(-100%); }
}

/* Progress Tracker */
.progress-tracker-section {
  position: relative;
  z-index: 2;
  margin: 60px 0;
}

.progress-tracker {
  background: white;
  padding: 30px;
  border-radius: 12px;
  box-shadow: 0 10px 25px rgba(0,0,0,0.1);
}

.progress-header {
  display: flex;
  justify-content: space-between;
  margin-bottom: 20px;
}

.progress-score {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

.progress-description {
  margin-bottom: 20px;
}

.progress-bar {
  height: 10px;
  background: var(--light-gray);
  border-radius: 5px;
  margin-bottom: 20px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  border-radius: 5px;
}

.progress-steps {
  display: flex;
  justify-content: space-between;
  margin-top: 30px;
}

.step {
  flex: 1;
  text-align: center;
  position: relative;
  padding: 0 10px;
}

.step:not(:last-child):after {
  content: '';
  position: absolute;
  top: 15px;
  right: -10px;
  width: 20px;
  height: 2px;
  background: var(--light-gray);
}

.step-circle {
  width: 30px;
  height: 30px;
  background: var(--light-gray);
  border-radius: 50%;
  margin: 0 auto 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--gray);
}

.step.active .step-circle {
  background: var(--primary);
  color: white;
}

.step.completed .step-circle {
  background: var(--success);
  color: white;
}

.progress-actions {
  display: flex;
  gap: 15px;
  margin-top: 30px;
}

.btn-secondary {
  padding: 12px 24px;
  background: transparent;
  border: 2px solid var(--primary);
  color: var(--primary);
  border-radius: 6px;
  font-weight: 600;
  transition: all 0.3s ease;
}

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

  .testimonials {
    padding: 80px 0;
    background: var(--light);
    overflow: hidden;
  }

  .testimonial-carousel {
    width: 100%;
    overflow: hidden;
    position: relative;
    margin: 40px 0;
  }

  .testimonial-track {
    display: flex;
    transition: transform 0.5s ease;
    width: 300%; /* 3 cards */
    gap: 30px;
  }

  .testimonial-card {
    width: calc(100% / 3 - 20px);
    min-width: 300px;
    background: white;
    border-radius: var(--border-radius);
    padding: 30px;
    box-shadow: var(--shadow-lg);
    flex-shrink: 0;
  }

  .rating {
    color: var(--secondary);
    margin-bottom: 20px;
    font-size: 1.2rem;
  }

  .testimonial-text {
    margin-bottom: 20px;
    line-height: 1.6;
  }

  .client-info {
    margin-top: 20px;
    border-top: 1px solid var(--light-gray);
    padding-top: 20px;
  }

  .client-info h4 {
    margin-bottom: 5px;
    color: var(--dark);
  }

  .client-info p {
    color: var(--gray);
    font-size: 0.9rem;
    margin: 0;
  }

  .carousel-nav {
    display: flex;
    justify-content: center;
    gap: 10px;
    margin-top: 20px;
  }

  .nav-dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: var(--light-gray);
    border: none;
    cursor: pointer;
    transition: all 0.3s ease;
  }

  .nav-dot.active {
    background: var(--primary);
    transform: scale(1.2);
  }

  @media (max-width: 768px) {
    .testimonial-track {
      width: 600%; /* 3 cards at 50% width */
    }
    
    .testimonial-card {
      width: 50%;
      min-width: 250px;
    }
  }

  @media (max-width: 480px) {
    .testimonial-track {
      width: 900%; /* 3 cards at 33.33% width */
    }
    
    .testimonial-card {
      width: 33.33%;
    }
  }

/* CTA Section */
.cta-section {
  padding: 100px 0;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: white;
  text-align: center;
}

.cta-content h2 {
  margin-bottom: 20px;
}

.cta-form {
  max-width: 500px;
  margin: 40px auto 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-group {
  grid-column: span 1;
}

.form-group:last-child {
  grid-column: span 2;
}

.form-group input {
  width: 100%;
  padding: 12px 20px;
  border-radius: var(--border-radius-sm);
  border: none;
  background: rgba(255,255,255,0.9);
}

.guarantee {
  margin-top: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  color: rgba(255,255,255,0.8);
  font-size: 0.875rem;
}

/* Footer */
.new-footer {
  background: var(--dark);
  color: white;
  padding: 80px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 40px;
  margin-bottom: 60px;
}

.footer-about p {
  color: var(--light-gray);
  margin: 20px 0;
}

.footer-social {
  display: flex;
  gap: 15px;
}

.footer-social a {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  transition: var(--transition);
}

.footer-social a:hover {
  background: var(--primary);
}

.footer-links h3 {
  margin-bottom: 20px;
  font-size: 1.125rem;
}

.footer-links ul li {
  margin-bottom: 12px;
}

.footer-links a {
  color: var(--light-gray);
  transition: var(--transition);
}

.footer-links a:hover {
  color: white;
  padding-left: 5px;
}

.footer-contact address, 
.footer-contact .contact-item {
  display: flex;
  align-items: flex-start;
  gap: 15px;
  margin-bottom: 15px;
  color: var(--light-gray);
}

.footer-contact i {
  margin-top: 3px;
  color: var(--primary-light);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.copyright {
  color: var(--light-gray);
  font-size: 0.875rem;
}

.legal-links {
  display: flex;
  gap: 20px;
}

.legal-links a {
  color: var(--light-gray);
  font-size: 0.875rem;
}

.footer-disclosures {
  margin-top: 20px;
  font-size: 0.75rem;
  color: var(--gray);
}

/* 3D Card Effect */
.card-3d {
  transform-style: preserve-3d;
  transition: all 0.5s ease;
  perspective: 1000px;
}

.card-3d:hover {
  transform: rotateY(10deg) rotateX(5deg) translateY(-10px);
  box-shadow: 0 20px 40px rgba(0,0,0,0.2);
}

/* Micro-interactions */
.btn-micro {
  position: relative;
  overflow: hidden;
}

.btn-micro:after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 5px;
  height: 5px;
  background: rgba(255,255,255,0.5);
  opacity: 0;
  border-radius: 100%;
  transform: scale(1, 1) translate(-50%);
  transform-origin: 50% 50%;
}

.btn-micro:focus:not(:active)::after {
  animation: ripple 1s ease-out;
}

@keyframes ripple {
  0% {
    transform: scale(0, 0);
    opacity: 0.5;
  }
  100% {
    transform: scale(20, 20);
    opacity: 0;
  }
}

/* Responsive Adjustments */
@media (max-width: 1024px) {
  .hero-content,
  .performance-grid,
  .calculator-container {
    grid-template-columns: 1fr;
  }
  
  .dashboard-widgets {
    grid-template-columns: 1fr 1fr;
  }
  
  .header-grid {
    grid-template-columns: auto auto;
  }
  
  .primary-nav {
    order: 3;
    grid-column: span 2;
  }
  
  .hero-text {
    text-align: center;
    margin: 0 auto;
  }
  
  .hero-cta, .hero-stats {
    justify-content: center;
  }
  
  .hero-visual {
    margin-top: 60px;
    display: flex;
    justify-content: center;
  }
  
  .hex-row:nth-child(2) {
    margin-left: 0;
  }
}

@media (max-width: 768px) {
  .dashboard-widgets {
    grid-template-columns: 1fr;
  }
  
  .hero-title {
    font-size: 2.5rem;
  }
  
  .hero-stats {
    flex-direction: column;
    gap: 20px;
    align-items: center;
  }
  
  .stat-item {
    padding-right: 0;
    text-align: center;
  }
  
  .stat-item:not(:last-child)::after {
    display: none;
  }
  
  .card-stack {
    height: auto;
    display: flex;
    flex-direction: column;
    gap: 20px;
  }
  
  .card {
    position: static;
    transform: none !important;
  }
  
  .cta-form {
    grid-template-columns: 1fr;
  }
  
  .form-group {
    grid-column: span 1;
  }
  
  .hex-row {
    flex-direction: column;
    margin-bottom: 0;
  }
  
  .hexagon {
    margin-bottom: 20px;
  }
  
  .loan-carousel {
    height: 400px;
  }
  
  .loan-card {
    width: 280px;
  }
  
  .loan-card.prev,
  .loan-card.next {
    opacity: 0;
  }
}



<!-- -->

.section-divider {
      border: 0;
      height: 1px;
      background: linear-gradient(to right, transparent, var(--light-gray), transparent);
      margin: 60px auto;
      width: 80%;
    }

    /* Solutions Section */
    .solutions {
      padding: 80px 0;
    }

    .testimonials {
    padding: 80px 0;
    background: var(--light);
  }

  .testimonial-stack {
    display: flex;
    justify-content: center;
    gap: 30px;
    flex-wrap: wrap;
    margin-top: 40px;
  }

  .testimonial-card {
    width: 100%;
    max-width: 350px;
    background: white;
    border-radius: var(--border-radius);
    padding: 30px;
    box-shadow: var(--shadow-lg);
    transition: var(--transition);
  }

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

  .rating {
    color: var(--secondary);
    margin-bottom: 20px;
    font-size: 1.2rem;
  }

  .testimonial-text {
    margin-bottom: 20px;
    line-height: 1.6;
    min-height: 120px; /* Ensures consistent height */
  }

  .client-info {
    margin-top: 20px;
    border-top: 1px solid var(--light-gray);
    padding-top: 20px;
  }

  .client-info h4 {
    margin-bottom: 5px;
    color: var(--dark);
  }

  .client-info p {
    color: var(--gray);
    font-size: 0.9rem;
    margin: 0;
  }

  @media (max-width: 768px) {
    .testimonial-stack {
      flex-direction: column;
      align-items: center;
    }
    
    .testimonial-card {
      width: 100%;
    }
    
    .testimonial-text {
      min-height: auto;
    }
  }

    /* Responsive Styles */
    @media (max-width: 1024px) {
      .hero-content {
        grid-template-columns: 1fr;
      }
      
      .hero-text {
        text-align: center;
        margin: 0 auto;
      }
      
      .hero-cta, .hero-stats {
        justify-content: center;
      }
      
      .hero-visual {
        margin-top: 60px;
        display: flex;
        justify-content: center;
      }

      .loan-card.prev {
        transform: translateX(-70%) translateY(-50%) scale(0.9);
      }

      .loan-card.next {
        transform: translateX(-30%) translateY(-50%) scale(0.9);
      }
    }

    @media (max-width: 768px) {
      .hero-title {
        font-size: 2.5rem;
      }
      
      .hero-stats {
        flex-direction: column;
        gap: 20px;
        align-items: center;
      }
      
      .stat-item {
        padding-right: 0;
        text-align: center;
      }
      
      .stat-item:not(:last-child)::after {
        display: none;
      }

      .loan-carousel {
        height: 400px;
      }
      
      .loan-card {
        width: 280px;
      }
      
      .loan-card.prev,
      .loan-card.next {
        opacity: 0;
      }

      .testimonial-stack {
        flex-direction: column;
        align-items: center;
      }

      .testimonial-card {
        width: 100%;
        max-width: 400px;
      }
    }

    @media (max-width: 480px) {
      .header-grid {
        flex-direction: column;
        gap: 15px;
      }

      .primary-nav ul {
        flex-wrap: wrap;
        justify-content: center;
      }

      .header-actions {
        margin-top: 15px;
      }

      .hero {
        padding: 120px 0 60px;
      }

      .hero-cta {
        flex-direction: column;
      }
    }