:root{
  --navy:#073968;--navy2:#052e50;--red:#b00009;--red2:#d20b18;
  --light:#f3f7fa;--line:#d6e1ea;--text:#26384a;--muted:#596b7c;--white:#fff;
  --shadow:0 12px 30px rgba(7,57,104,.10)
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.55}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%}
.container{width:min(1180px,92%);margin:auto}
.topbar{height:5px;background:linear-gradient(90deg,var(--navy) 0 72%,var(--red) 72%)}

/* Header */
header{position:sticky;top:0;z-index:1000;background:#fff;border-bottom:1px solid #e6edf2}
.nav{min-height:76px;display:flex;align-items:center;gap:28px}
.brand{display:flex;align-items:center;margin-right:auto}
.brand img{width:190px;height:auto;object-fit:contain}
.nav-links{display:flex;align-items:center;gap:24px;font-size:13px;font-weight:700;color:var(--navy)}
.nav-links a{height:76px;display:flex;align-items:center;position:relative;white-space:nowrap}
.nav-links a:hover,.nav-links a.active{color:var(--red)}
.nav-links a.active:after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:var(--red)}
.nav-phone{display:flex;align-items:center;gap:8px;color:var(--navy);font-size:13px;font-weight:800;white-space:nowrap}
.nav-phone i{color:var(--red)}
.menu-btn{display:none;border:0;background:none;color:var(--navy);font-size:24px}

/* Common */
.section{padding:70px 0}
.section-label{font-size:12px;letter-spacing:1.2px;text-transform:uppercase;color:var(--red);font-weight:800;margin-bottom:5px}
.section-title{font-size:34px;line-height:1.12;color:var(--navy);font-weight:800}
.red-line{width:36px;height:4px;background:var(--red);margin:13px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 21px;border-radius:6px;border:1px solid transparent;font-size:13px;font-weight:800;transition:.25s}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:#900007;transform:translateY(-2px)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}.btn-outline:hover{background:var(--navy);color:#fff}

/* Home hero */
.hero-home{background:linear-gradient(115deg,#f7fafc 0%,#edf4f9 52%,#dfeaf2 100%);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:49% 51%;min-height:505px}
.hero-copy{padding:55px 30px 48px 0;display:flex;flex-direction:column;justify-content:center}
.hero-copy h1{font-size:49px;line-height:1.02;color:var(--navy);font-weight:800;letter-spacing:-1.5px}
.hero-copy h1 span{color:var(--red)}
.hero-lead{font-size:18px;font-weight:700;color:var(--navy);margin:12px 0 8px}
.hero-copy p{font-size:14px;max-width:560px;color:#3f4e5d}
.hero-buttons{display:flex;gap:14px;margin:22px 0 25px}
.hero-points{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.hero-point{text-align:center;border-right:1px solid #cbd7e1;padding:5px}
.hero-point:last-child{border-right:0}
.hero-point i{font-size:21px;color:var(--navy);margin-bottom:5px}.hero-point b{display:block;font-size:10px;color:var(--navy);line-height:1.25}
.hero-image{min-height:505px;position:relative;overflow:hidden;background:center/cover no-repeat}
.hero-home-image{background-image:url("../images/about-consultation.jpg")}
.hero-image:before{content:"";position:absolute;left:-65px;top:0;width:130px;height:100%;background:#fff;clip-path:polygon(0 0,55% 0,100% 100%,0 100%)}
.hero-image:after{content:"";position:absolute;left:-18px;top:0;width:20px;height:100%;background:var(--red);transform:skewX(-18deg)}
.hero-message{position:absolute;right:30px;bottom:55px;color:#fff;font-size:18px;line-height:1.45;font-weight:800;letter-spacing:.5px;text-transform:uppercase;text-shadow:0 2px 8px rgba(0,0,0,.45)}

/* Page hero */
.page-hero{background:var(--navy);color:#fff;overflow:hidden}
.page-hero-grid{display:grid;grid-template-columns:45% 55%;min-height:300px}
.page-hero-copy{display:flex;flex-direction:column;justify-content:center;padding:35px 20px 35px 0}
.breadcrumb{font-size:13px;color:#dce8f0;margin-bottom:8px}
.page-hero-copy h1{font-size:50px;line-height:1.05;font-weight:800}
.page-hero-copy h1:after{content:"";display:block;width:36px;height:4px;background:var(--red);margin-top:12px}
.page-hero-copy p{font-size:17px;color:#eef5f9;max-width:500px;margin-top:10px}
.page-hero-image{position:relative;min-height:300px;background:center/cover no-repeat}
.page-hero-building{background-image:url("../images/about-building.jpg")}
.page-hero-image:before{content:"";position:absolute;left:-45px;top:0;width:95px;height:100%;background:#fff;clip-path:polygon(45% 0,100% 0,55% 100%,0 100%)}
.page-hero-image:after{content:"";position:absolute;left:-5px;top:0;width:22px;height:100%;background:var(--red);transform:skewX(-18deg)}
.page-side-text{position:absolute;right:35px;top:50%;transform:translateY(-50%);font-size:16px;line-height:1.55;color:var(--navy);font-weight:500;z-index:2}

/* Stats */
.stats{background:#eaf2f8;border-bottom:1px solid #d5e0e9}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{display:flex;align-items:center;justify-content:center;gap:15px;padding:19px;border-right:1px solid #c7d5e0}
.stat:last-child{border-right:0}.stat i{font-size:31px;color:var(--navy)}
.stat strong{display:block;font-size:25px;color:var(--navy);line-height:1}.stat span{font-size:12px;color:#526476}

/* Home about */
.home-about-grid{display:grid;grid-template-columns:35% 1fr 18%;gap:30px;align-items:center}
.about-photo{height:230px;border-radius:7px;background:url("../images/about-building.jpg") center/cover no-repeat}
.about-copy p{font-size:14px;color:#52606d;margin:10px 0 15px}
.quote{padding:20px;border-left:3px solid var(--red);color:#7b8792;font-size:16px;font-style:italic}
.quote:before{content:"“";font-size:55px;color:#dce5eb;display:block;line-height:.45}

/* Cards */
.loans-section{background:#f3f7fa}
.loans-head{display:flex;justify-content:space-between;align-items:end;margin-bottom:24px}
.loans-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.loan-card{background:#fff;border-radius:8px;padding:25px 18px 21px;text-align:center;box-shadow:0 5px 18px rgba(7,57,104,.08);border-top:3px solid transparent;transition:.25s}
.loan-card:hover{transform:translateY(-6px);border-top-color:var(--red);box-shadow:var(--shadow)}
.loan-icon,.value-icon,.info-icon{width:55px;height:55px;margin:0 auto 12px;border-radius:50%;background:#edf4fa;color:var(--navy);display:grid;place-items:center;font-size:23px}
.loan-card h3{font-size:15px;color:var(--navy)}.loan-card h4{font-size:13px;color:var(--navy);margin-bottom:8px}.loan-card p{font-size:12px;color:#647383;min-height:58px}
.loan-link{display:inline-block;color:var(--red);font-weight:800;font-size:13px;margin-top:12px}

/* Why */
.why{background:var(--navy);color:#fff}.why .section-label{color:#fff}.why .section-title{color:#fff}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);margin-top:28px}
.why-item{display:flex;gap:13px;padding:10px 25px;border-right:1px solid rgba(255,255,255,.25)}
.why-item:first-child{padding-left:0}.why-item:last-child{border-right:0}
.why-icon{width:48px;height:48px;flex:0 0 48px;border-radius:50%;background:#fff;color:var(--red);display:grid;place-items:center}
.why-item h3{font-size:13px;margin-bottom:4px}.why-item p{font-size:11px;color:#d9e6f0;line-height:1.4}

/* Process */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);margin-top:28px}
.step{position:relative;padding-right:25px;display:flex;gap:12px}
.step:not(:last-child):after{content:"›";position:absolute;right:8px;top:15px;font-size:32px;color:#9baab7}
.step-num{width:43px;height:43px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;font-weight:800;flex:0 0 43px}
.step h3{font-size:14px;color:var(--navy);margin-bottom:3px}.step p{font-size:11px;color:#657585}

/* Vision Mission */
.vm{background:#eef4f8}
.vm-grid{display:grid;grid-template-columns:1fr 1fr}
.vm-card{padding:30px 45px}.vm-card:first-child{border-right:1px solid #d1dce5}
.vm-title{display:flex;align-items:center;gap:14px;margin-bottom:10px}.vm-title i{font-size:31px;color:var(--navy)}
.vm-title h2{font-size:13px;color:var(--red);text-transform:uppercase;letter-spacing:1px}
.vm-card p,.vm-card li{font-size:13px;color:#4e6070}.vm-card ul{padding-left:18px}.vm-card li{margin:5px 0}

/* About page */
.about-detail-grid{display:grid;grid-template-columns:48% 52%;gap:35px;align-items:center}
.about-detail-photo{height:318px;border-radius:7px;background:url("../images/about-consultation.jpg") center/cover no-repeat}
.about-detail-copy p{font-size:14px;color:#52606d;margin:10px 0}
.about-detail-copy .btn{margin-top:8px}
.values-grid{display:grid;grid-template-columns:repeat(4,1fr);margin-top:28px}
.value{text-align:center;padding:0 25px;border-right:1px solid #cbd7e1}.value:last-child{border-right:0}
.value h3{font-size:15px;color:var(--navy)}.value p{font-size:12px;color:#596b7c;line-height:1.45}

/* Timeline */
.timeline-head{display:grid;grid-template-columns:1.1fr .9fr;gap:45px;align-items:end;margin-bottom:26px}
.timeline-intro{font-size:13px;color:#596b7c}
.timeline{position:relative;display:grid;grid-template-columns:repeat(5,1fr);padding-top:24px}
.timeline:before{content:"";position:absolute;left:6%;right:6%;top:35px;height:4px;background:var(--navy)}
.milestone{text-align:center;position:relative}
.dot{width:15px;height:15px;border-radius:50%;background:var(--navy);margin:0 auto 12px;position:relative;z-index:2;box-shadow:0 0 0 4px #fff}
.milestone strong{display:block;font-size:16px;color:var(--navy)}.milestone span{display:block;font-size:11px;color:#596b7c;line-height:1.35;margin-top:3px}

/* Generic internal page */
.internal-grid{display:grid;grid-template-columns:44% 56%;gap:40px;align-items:center}
.internal-art{min-height:340px;border-radius:8px;background:center/cover no-repeat}
.internal-copy p{font-size:14px;color:#536577;margin:10px 0}
.feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}
.feature-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:25px 18px;text-align:center;box-shadow:0 5px 18px rgba(7,57,104,.06)}
.feature-card h3{font-size:15px;color:var(--navy);margin-bottom:6px}.feature-card p{font-size:12px;color:#617283}

/* Branch */
.branch-layout{display:grid;grid-template-columns:48% 52%;gap:35px;align-items:center}
.branch-art{min-height:350px;border-radius:8px;background:url("../images/branches-hero.svg") center/cover no-repeat}
.branch-list{display:grid;grid-template-columns:repeat(3,1fr);gap:8px 15px;margin:18px 0}.branch-list span{font-size:12px;color:#526476}
.branch-list span:before{content:"•";color:var(--red);font-weight:900;margin-right:5px}

/* CSR */
.csr-layout{display:grid;grid-template-columns:52% 48%;gap:35px;align-items:center}
.csr-art{min-height:350px;border-radius:8px;background:url("../images/csr-hero.svg") center/cover no-repeat}
.csr-list{list-style:none;margin-top:16px}.csr-list li{font-size:13px;color:#405466;margin:8px 0}.csr-list i{color:var(--red);margin-right:8px}

/* Contact */
.contact-layout{display:grid;grid-template-columns:46% 54%;gap:35px;align-items:center}
.contact-art{min-height:380px;border-radius:8px;background:url("../images/contact-hero.svg") center/cover no-repeat}
.contact-form{background:#f4f7fa;padding:28px;border-radius:8px}.contact-form h2{color:var(--navy);font-size:25px}.contact-form p{font-size:12px;color:#657585;margin:5px 0 18px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field{display:flex;flex-direction:column;gap:5px}.field.full{grid-column:1/-1}
.field label{font-size:11px;font-weight:700;color:var(--navy)}.field input,.field select,.field textarea{border:1px solid #d2dde6;border-radius:5px;padding:11px;background:#fff;font:inherit;font-size:12px;outline:none}.field textarea{min-height:100px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy)}
.contact-info{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:25px}.info-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:20px;text-align:center}.info-card h3{font-size:14px;color:var(--navy)}.info-card p{font-size:11px;color:#607181;margin-top:5px}

/* CTA/footer */
.cta{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding:22px 0}
.cta:before{content:"";position:absolute;left:-25px;top:0;width:85px;height:100%;background:var(--red);clip-path:polygon(0 0,100% 0,65% 100%,0 100%)}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:25px;position:relative;z-index:1}
.cta h2{font-size:24px}.cta p{font-size:12px;color:#dbe7ef}.cta .btn{background:var(--red);color:#fff}
.cta-phone{border-left:1px solid rgba(255,255,255,.3);padding-left:23px;font-weight:800;white-space:nowrap}.cta-phone i{margin-right:7px}
footer{background:var(--navy2);color:#dbe8f1;padding-top:42px}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.6fr .7fr;gap:30px;padding-bottom:34px}
.footer-logo img{width:190px;margin-bottom:14px;filter:brightness(0) invert(1)}
.footer-logo p{font-size:11px;color:#a9bdcc}
footer h3{font-size:13px;color:#fff;margin-bottom:11px}footer ul{list-style:none}footer li{font-size:11px;margin:6px 0}footer a:hover{color:#fff}
.contact-line{display:flex;gap:10px;font-size:11px;margin:8px 0}.contact-line i{width:14px;color:#fff}
.social{display:flex;gap:9px}.social a{width:31px;height:31px;border-radius:4px;background:#fff;color:var(--navy);display:grid;place-items:center}.social a:hover{background:var(--red);color:#fff}
.copyright{border-top:1px solid rgba(255,255,255,.15);padding:14px 0;display:flex;justify-content:space-between;font-size:10px;color:#9eb4c4}

/* Responsive */
@media(max-width:1050px){
  .nav-links{gap:14px}.nav-phone{display:none}.hero-copy h1{font-size:43px}
  .footer-grid{grid-template-columns:1.3fr 1fr 1fr 1.5fr}
}
@media(max-width:850px){
  .menu-btn{display:block}.nav-links{display:none;position:absolute;top:81px;left:0;right:0;background:#fff;padding:10px 5%;box-shadow:0 15px 25px rgba(0,0,0,.08);flex-direction:column;align-items:flex-start}
  .nav-links.open{display:flex}.nav-links a{height:auto;padding:11px 0;width:100%}.nav-links a.active:after{display:none}.nav>.btn{display:none}
  .hero-grid,.page-hero-grid,.home-about-grid,.about-detail-grid,.internal-grid,.branch-layout,.csr-layout,.contact-layout{grid-template-columns:1fr}
  .hero-copy{padding:48px 0}.hero-image{min-height:360px}.page-hero-copy{padding:45px 0}.page-hero-image{min-height:280px}
  .stats-grid{grid-template-columns:repeat(2,1fr)}.stat:nth-child(2){border-right:0}
  .loans-grid,.feature-grid{grid-template-columns:repeat(2,1fr)}.why-grid{grid-template-columns:repeat(2,1fr)}
  .why-item:nth-child(2){border-right:0}.process-grid{grid-template-columns:repeat(2,1fr);gap:25px}.step:nth-child(2):after{display:none}
  .vm-grid{grid-template-columns:1fr}.vm-card:first-child{border-right:0;border-bottom:1px solid var(--line)}
  .values-grid{grid-template-columns:repeat(2,1fr);gap:25px}.value:nth-child(2){border-right:0}.value:nth-child(3),.value:nth-child(4){padding-top:15px}
  .timeline-head{grid-template-columns:1fr}.timeline{margin-top:10px}
  .contact-info{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:600px){
  .section{padding:52px 0}.brand img{width:165px}.hero-copy h1{font-size:36px}.hero-lead{font-size:15px}.hero-buttons{flex-wrap:wrap}
  .hero-points{grid-template-columns:repeat(2,1fr);gap:10px}.hero-point:nth-child(2){border-right:0}
  .stats-grid{grid-template-columns:1fr 1fr}.stat{padding:14px 8px;gap:8px}.stat i{font-size:22px}.stat strong{font-size:20px}.stat span{font-size:10px}
  .loans-grid,.feature-grid,.why-grid,.process-grid,.values-grid{grid-template-columns:1fr}.why-item{border-right:0!important;border-bottom:1px solid rgba(255,255,255,.2);padding:14px 0}
  .step{padding-right:0}.step:after{display:none!important}.value{border-right:0;border-bottom:1px solid var(--line);padding:20px 0}.value:last-child{border-bottom:0}
  .timeline{display:block;padding-top:0}.timeline:before{left:7px;right:auto;top:0;bottom:0;width:3px;height:auto}.milestone{display:grid;grid-template-columns:25px 70px 1fr;text-align:left;align-items:center;margin:17px 0}.dot{margin:0;width:13px;height:13px}
  .branch-list{grid-template-columns:repeat(2,1fr)}.contact-info{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}
  .cta-inner{flex-direction:column;align-items:flex-start}.cta-phone{border-left:0;padding-left:0}.footer-grid{grid-template-columns:1fr}.copyright{flex-direction:column;gap:7px}
  .page-hero-copy h1{font-size:40px}.page-side-text{display:none}
}