:root{
  --bg: #f2f4f7;
  --white: #ffffff;
  --text: #0e1116;
  --muted: #6a7788;
  --blue: #2f67a8;
  --blue-2: #4fa3e0;
  --soft: #d9eefb;
  --radius: 26px;
  --shadow: 0 10px 30px rgba(16, 24, 40, .12);
}

*{ box-sizing: border-box; }
html, body{ height: 100%; }
body{
  margin: 0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
}

a{ color: inherit; text-decoration: none; }
img{ max-width: 100%; display: block; }

.container{
  width: min(980px, 92vw);
  margin: 0 auto;
}

/* HEADER */
.site-header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: #fff;
  box-shadow: 0 6px 18px rgba(16,24,40,.06);
}

.header-inner{
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 16px;
}

.brand-title{
  line-height: 1.05;
  font-weight: 800;
  letter-spacing: .4px;
}
.brand-top{ display:block; font-size: 14px; }
.brand-bottom{ display:block; font-size: 18px; }
.brand-sub{ font-weight: 700; opacity: .65; }

.header-actions{
  display: flex;
  align-items: center;
  gap: 10px;
}

.lang-pills{
  display: flex;
  gap: 8px;
}

.pill{
  border: 1px solid #e4e7ec;
  background: #fff;
  padding: 8px 12px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 13px;
  cursor: pointer;
}
.pill-active{
  background: #111827;
  color: #fff;
  border-color: #111827;
}

.hamburger{
  width: 44px;
  height: 44px;
  border-radius: 999px;
  border: 1px solid #e4e7ec;
  background: #fff;
  display: grid;
  place-content: center;
  gap: 4px;
  cursor: pointer;
}
.hamburger span{
  display: block;
  width: 18px;
  height: 2px;
  background: #111827;
  border-radius: 2px;
}

.mobile-menu{
  display: none;
  border-top: 1px solid #eef2f6;
  padding: 10px 16px 16px;
}
.mobile-menu a{
  display:block;
  padding: 12px 6px;
  font-weight: 700;
  color: #1f2937;
  border-radius: 10px;
}
.mobile-menu a:hover{ background: #f3f6fb; }

/* HERO */
.hero{
  padding: 18px 0 8px;
}

.hero-shell{
  width: min(980px, 94vw);
  margin: 0 auto;
}

.hero-slider{
  position: relative;
  border-radius: 34px;
  overflow: hidden;
  background: #dbe7fb;
  box-shadow: var(--shadow);
  min-height: 520px;
}

.hero-track{
  display: flex;
  height: 520px;
  transition: transform 520ms ease;
  touch-action: pan-y;
}

.hero-slide{
  min-width: 100%;
  height: 520px;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  position: relative;
}

/* give a soft overlay so empty jpg still looks fine */
.hero-slide::after{
  content:"";
  position:absolute;
  inset:0;
  background: linear-gradient(180deg, rgba(0,0,0,.05), rgba(0,0,0,.08));
}

.hero-dots{
  position: absolute;
  top: 18px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 10px;
  z-index: 3;
}

.dot{
  width: 10px;
  height: 10px;
  border-radius: 999px;
  border: 0;
  background: rgba(255,255,255,.55);
  cursor: pointer;
}
.dot-active{ background: rgba(255,255,255,.95); width: 22px; }

.hero-card{
  position: absolute;
  left: 18px;
  right: 18px;
  bottom: 18px;
  background: rgba(255,255,255,.92);
  border-radius: 26px;
  padding: 22px 22px 20px;
  z-index: 4;
  box-shadow: 0 18px 40px rgba(0,0,0,.14);
  backdrop-filter: blur(6px);
}

.breadcrumb{
  font-size: 14px;
  color: #6b7280;
  font-weight: 700;
}
.sep{ margin: 0 6px; color: #98a2b3; }
.crumb-link{ color: var(--blue); font-weight: 900; }

.hero-title{
  margin: 10px 0 8px;
  font-size: 44px;
  letter-spacing: .2px;
}

.hero-underline{
  width: 56px;
  height: 2px;
  background: #111827;
  opacity: .35;
  margin-bottom: 12px;
}

.hero-desc{
  margin: 0;
  font-size: 20px;
  line-height: 1.5;
  color: #111827;
  max-width: 42ch;
}

/* CONTENT SECTION */
.page-section{ padding: 14px 0 36px; }

.loan-card, .service-card{
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: 0 10px 26px rgba(16,24,40,.08);
  padding: 22px;
  margin: 18px 0;
  overflow: hidden;
}

.loan-card-top{
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
}

.card-title{
  margin: 0 0 10px;
  font-size: 34px;
  letter-spacing: .2px;
}
.card-desc{
  margin: 0 0 14px;
  font-size: 18px;
  line-height: 1.6;
  color: #111827;
  opacity: .92;
  max-width: 60ch;
}

/* Buttons like inspo */
.btn{
  appearance: none;
  border: 0;
  cursor: pointer;
  font-weight: 900;
  letter-spacing: .3px;
  border-radius: 14px;
  padding: 14px 18px;
  font-size: 16px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.btn-primary{
  background: var(--blue-2);
  color: #fff;
  min-width: 140px;
  box-shadow: 0 12px 22px rgba(79,163,224,.28);
}
.btn-primary:active{ transform: translateY(1px); }

.btn-soft{
  background: var(--soft);
  color: var(--blue-2);
  margin-top: 10px;
  min-width: 170px;
}
.btn-soft:active{ transform: translateY(1px); }

.card-image{
  margin-top: 18px;
  border-radius: 26px;
  overflow: hidden;
  background: #e9eef6;
  min-height: 270px;
}
.card-image img{
  width: 100%;
  height: 320px;
  object-fit: cover;
}

.service-card{
  padding: 22px 22px 0;
}
.service-row{ display:flex; gap: 14px; align-items:center; }
.service-phone{
  display:flex; align-items:center; gap: 10px;
  margin: 10px 0 6px;
}
.phone-icon{
  width: 34px;
  height: 34px;
  display:grid; place-items:center;
  border-radius: 10px;
  background: #eef6ff;
  color: var(--blue);
  font-weight: 900;
}
.phone-link{
  font-size: 20px;
  font-weight: 900;
  color: var(--blue);
}
.service-image{
  margin-top: 16px;
  border-radius: 0;
  overflow: hidden;
  background: linear-gradient(180deg, #cfe9fb, #2f82c6);
  border-bottom-left-radius: var(--radius);
  border-bottom-right-radius: var(--radius);
}
.service-image img{
  width: 100%;
  height: 250px;
  object-fit: cover;
  opacity: .95;
}

/* FOOTER */
.site-footer{
  margin-top: 26px;
  background: var(--blue);
  color: #fff;
}

.footer-top{
  padding: 26px 0 10px;
}

.footer-grid{
  display:grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.footer-tile{
  background: rgba(255,255,255,.98);
  color: #111827;
  border-radius: 22px;
  padding: 16px;
  display:flex;
  gap: 12px;
  min-height: 120px;
  align-items: flex-start;
  box-shadow: 0 16px 36px rgba(0,0,0,.18);
}
.tile-icon{
  width: 46px;
  height: 46px;
  border-radius: 999px;
  background: #2f67a8;
  color: #fff;
  display:grid;
  place-items:center;
  font-size: 20px;
  flex: 0 0 auto;
}
.tile-text{
  width: 100%;
  display:flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 10px;
}
.tile-title{
  font-size: 26px;
  font-weight: 950;
  line-height: 1.05;
}
.tile-arrow{
  align-self: flex-end;
  font-size: 24px;
  color: #2f67a8;
  font-weight: 950;
}

.footer-accordions{
  padding: 18px 0 22px;
}

.acc{
  border-top: 1px solid rgba(255,255,255,.18);
}
.acc:last-child{ border-bottom: 1px solid rgba(255,255,255,.18); }

.acc-head{
  width:100%;
  padding: 16px 0;
  background: transparent;
  border: 0;
  color: #fff;
  font-weight: 950;
  font-size: 18px;
  display:flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
}

.acc-caret{ opacity: .9; }

.acc-body{
  display: none;
  padding: 0 0 14px;
}
.acc-body a{
  display:block;
  padding: 10px 0;
  color: rgba(255,255,255,.92);
  font-weight: 800;
}
.acc-body a:hover{ text-decoration: underline; }

.footer-brandline{
  margin-top: 18px;
  font-weight: 900;
  opacity: .95;
  display:flex;
  align-items:center;
  gap: 10px;
  flex-wrap: wrap;
}
.brand-chip{
  background: rgba(255,255,255,.16);
  padding: 10px 14px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,.2);
  font-weight: 950;
}

.footer-bottom{
  background: rgba(0,0,0,.12);
  padding: 14px 0;
}
.footer-bottom-inner{
  display:flex;
  justify-content: center;
  align-items:center;
}
.copyright{
  font-weight: 900;
  letter-spacing: .3px;
  opacity: .95;
}

/* Floating chat bubble */
.chat-bubble{
  position: fixed;
  right: 18px;
  bottom: 18px;
  width: 68px;
  height: 68px;
  border-radius: 999px;
  border: 0;
  background: #2f82c6;
  color: #fff;
  font-size: 26px;
  cursor: pointer;
  box-shadow: 0 18px 44px rgba(16,24,40,.28);
}
.chat-dot{
  position: absolute;
  right: -2px;
  top: -2px;
  width: 24px;
  height: 24px;
  border-radius: 999px;
  background: #b42318;
  color: #fff;
  display:grid;
  place-items:center;
  font-size: 12px;
  font-weight: 950;
  border: 2px solid #fff;
}

/* Reveal on scroll (fade-in like you asked) */
.reveal{
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 700ms ease, transform 700ms ease;
}
.reveal.in{
  opacity: 1;
  transform: translateY(0);
}

/* Responsive */
@media (min-width: 860px){
  .hero-slider{ min-height: 560px; }
  .hero-track, .hero-slide{ height: 560px; }
  .footer-grid{ grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .footer-tile{ min-height: 150px; }
}

@media (max-width: 520px){
  .hero-title{ font-size: 38px; }
  .card-title{ font-size: 30px; }
  .btn-primary{ min-width: 130px; }
}
/* FOOTER extra: blue label + white address section like inspo */
.footer-blue-label{
  padding: 14px 0 18px;
  border-top: 1px solid rgba(255,255,255,.18);
  border-bottom: 1px solid rgba(255,255,255,.18);
}
.footer-blue-label span{
  font-weight: 950;
  letter-spacing: .5px;
  opacity: .95;
  font-size: 14px;
}

/* WHITE ADDRESS AREA */
.footer-address-section{
  background: #fff;
  color: #111827;
  padding: 22px 0 18px;
}

.addr-title{
  margin: 0 0 12px;
  font-size: 26px;
  font-weight: 950;
  letter-spacing: .2px;
}

.addr-block p{
  margin: 0 0 14px;
  font-size: 18px;
  line-height: 1.55;
  color: #111827;
  opacity: .92;
}

.addr-subtitle{
  margin-top: 16px !important;
  font-weight: 950;
  opacity: 1 !important;
}

/* ===== Footer Brand Line ===== */
.footer-brandline{
  display:flex;
  align-items:center;
  gap:6px;
  font-size:14px;
  color:#ffffff;
  opacity:0.9;
  margin-top:12px;
}

/* Email looks like normal text */
.brand-link{
  color:#ffffff;
  text-decoration:none;
  font-weight:400;
  cursor:pointer;
  transition:opacity .25s ease;
}

/* subtle banking hover effect */
.brand-link:hover{
  opacity:0.7;
}