/* ============================================================
   SAMRADDH BESTWIN MICRO FINANCE ASSOCIATION
   Custom HTML Site — style.css
   ============================================================ */

/* --- Custom Properties --- */
:root {
  --orange: #fb8d3f;
  --orange-dark: #e07428;
  --blue: #1d4ed8;
  --dark: #1a1a1a;
  --gray: #555;
  --light-bg: #f9f6f2;
  --white: #fff;
  --radius: 4px;
  --shadow: 0 3px 20px rgba(0,0,0,0.1);
  --transition: 0.3s ease;
  --font: Cambria, sans-serif;
}

/* --- Reset --- */
*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 15px; }
body { font-family: var(--font); line-height: 1.75; color: var(--gray); background: var(--white); }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font); color: #333; line-height: 1.3; }
p { margin-bottom: 14px; }
p:last-child { margin-bottom: 0; }

/* --- Container --- */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
section { padding: 72px 0; }

/* --- Section Header --- */
.sec-head { text-align: center; margin-bottom: 48px; }
.sec-head h2 {
  font-size: 43px;line-height:1.25; font-weight: 900; margin: 0.4em 0; color: #2a2a2a;text-transform:uppercase;
}
.sep {
  display: flex; align-items: center; justify-content: center;
  gap: 8px;margin: 0 auto 20px;

}
.sep::before, .sep::after {
  content: ''; display: block; width: 55px; height: 2px; background: var(--orange);
}
.sep .diamond {
  width: 9px; height: 9px; background: var(--orange); transform: rotate(45deg);
}
.sec-head p { margin-top: 14px; color: #777; font-size: 0.95rem; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,0.98);
  box-shadow: 0 2px 12px rgba(0,0,0,0.1);padding: 0 80px 3px;
}
.nav-wrap {
  display: flex; align-items: center; justify-content: space-between;
  height: 68px; padding: 0 30px;
}
.nav-wrap .nav-logo{max-width: 250px;float: left;font-family: Cambria, sans-serif;font-size: 30px;margin-top: 5px;}
.nav-logo img {width: auto; display: block;max-width: 100%;height: auto;}
.nav-menu { display: flex; align-items: stretch; }
.nav-menu > li { position: relative; display: flex; align-items: stretch; }
.nav-menu > li > a {
  display: flex; align-items: center; padding: 0 18px;font-family: Cambria, sans-serif;
  font-size: 14px; font-weight: 600; text-transform: uppercase;
  letter-spacing: 1.8px; color: #333; transition: color var(--transition);
  border-bottom: 3px solid transparent;white-space: nowrap;text-overflow: ellipsis;height: 74px;line-height: 76px;padding: 0 18px;-webkit-transition: all 0.2s ease-out;
  -moz-transition: all 0.2s ease-out;
  -o-transition: all 0.2s ease-out;
  -ms-transition: all 0.2s ease-out;
  transition: all 0.2s ease-out;
}
.nav-menu > li > a:hover {background: var(--orange); color: var(--white); }
.nav-menu > li.active > a { background: var(--orange); color: var(--white); }

/* Dropdown */
.nav-menu > li.has-drop:hover > a { color: var(--white); background:var(--orange);}
.nav-drop {
  position: absolute; top: 100%; left: 0; min-width: 230px;
  background: var(--orange); padding: 6px 0;
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: all var(--transition); z-index: 200;
}
.nav-menu > li.has-drop:hover .nav-drop {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-drop li a {
  display: block;font-family: Cambria, sans-serif;font-size: 14px; font-weight: 600;line-height: normal;letter-spacing: .16em;text-transform: uppercase;overflow: hidden;color: var(--white);white-space: nowrap;text-overflow: ellipsis;opacity: 1;padding: 15px 44px 15px 50px;text-align: left;
  transition: background var(--transition);
}
.nav-drop li a:hover { background: rgba(0,0,0,0.18); }
.nav-drop li:hover > a,
.nav-drop li:active > a,
.nav-drop li.active > a,
.nav-drop li.current-menu-item > a {
  color: #1a1a1a;
}

/* Hamburger */
.nav-toggle {
  display: none; cursor: pointer; flex-direction: column;
  gap: 5px; padding: 4px;
}
.nav-toggle span { display: block; width: 24px; height: 2px; background: #333; transition: all var(--transition); }
.nav-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* ============================================================
   HERO SLIDER
   ============================================================ */
.hero-wrap { margin-top: 68px; }
.hero-slide { position: relative; height: 560px; overflow: hidden; }
.hero-slide > img { width: 100%; height: 100%; object-fit: cover; }
.slide-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to bottom, rgba(0,0,0,0.52), rgba(0,0,0,0.32));
}
.slide-txt {
  position: absolute; inset: 0; display: flex;
  flex-direction: column; align-items: center; justify-content: center;
  text-align: center; padding: 0 24px; color: var(--white);
}
.slide-txt .reg { font-size: 0.82rem; letter-spacing: 1px; opacity: 0.85; margin-bottom: 10px; }
.slide-txt h1 {
  font-size: 64.5px; font-weight: 600; line-height: 1.2;
  text-shadow: -2px 7px 16px rgba(14, 12, 41, 0.2), -2px 4px 2px rgba(0, 0, 0, 0.1); margin-bottom: 10px;color: var(--white);
}
.slide-txt .co-name { font-size: 1.3rem; font-weight: 400; letter-spacing: .5px; margin: 0 auto .5em;color: var(--white); margin-bottom: 10px;line-height: 1.5;     text-shadow: 0 0 1px rgba(0, 0, 0, 0.5);}
.slide-txt .badge { font-size: 0.88rem; opacity: 0.88; }

/* Owl nav */
.hero-wrap .owl-nav button {
  position: absolute !important; top: 50%; transform: translateY(-50%);
  background: rgba(251,141,63,0.85) !important; color: white !important;
  border: none; width: 44px; height: 44px; border-radius: 50%;
  font-size: 1.2rem !important; line-height: 1 !important; transition: background var(--transition);
}
.hero-wrap .owl-nav button:hover { background: var(--orange) !important; }
.hero-wrap .owl-nav .owl-prev { left: 20px; }
.hero-wrap .owl-nav .owl-next { right: 20px; }
.hero-wrap .owl-dots { position: absolute; bottom: 14px; width: 100%; text-align: center; }
.hero-wrap .owl-dot span { background: rgba(255,255,255,0.45) !important; }
.hero-wrap .owl-dot.active span { background: var(--orange) !important; }

/* ============================================================
   PAGE HERO BANNER (inner pages)
   ============================================================ */
.page-hero {
  position: relative; height: 330px; overflow: hidden;
  margin-top: 68px; display: flex; align-items: center; justify-content: center;
}
.page-hero > img {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
}
.page-hero .ph-overlay { position: absolute; inset: 0; background: rgba(0,0,0,0.58); }
.page-hero .ph-content {
  position: relative; z-index: 1; text-align: center; color: var(--white); padding: 20px;
}
.page-hero .ph-content h1 {
  font-size: 2.4rem; font-weight: 900; text-transform: uppercase; letter-spacing: 3px;
  background: var(--orange); padding: 10px 32px; display: inline-block; margin-bottom: 16px;
}
.page-hero .ph-content .ph-sep {
  display: flex; align-items: center; justify-content: center; gap: 8px;
}
.page-hero .ph-content .ph-sep::before, .page-hero .ph-content .ph-sep::after {
  content: ''; display: block; width: 50px; height: 2px; background: rgba(255,255,255,0.6);
}
.page-hero .ph-content .ph-sep .dot {
  width: 8px; height: 8px; background: var(--white); border-radius: 50%;
}
.page-hero .ph-content .description{
	font-size: 18px;line-height: 1.6em;font-weight: 400;margin: 14px 0 14px;
}
/* ============================================================
   OUR MENTOR SECTION
   ============================================================ */
.mentor-sec { background: var(--white); }
.mentor-grid {
  display: grid; grid-template-columns: 3fr 2fr; gap: 50px; align-items: start;
}
.mentor-txt h3 { font-size: 1.61em;line-height: 1.05em; margin-top: 15px;font-weight: 700; margin-bottom: 15px; color: #333; }
.mentor-txt p { color: #333; font-size: 18px;line-height: 1.6em;font-weight: 400;margin: 0 0 .75em; }
.mentor-txt .sig { margin-top: 22px; }
.mentor-txt .sig strong { display: block; font-size: 1rem; color: #333; }
.mentor-img img {
  width: 100%; height: 540px; object-fit: cover; object-position: top;
  border-radius: 2px; box-shadow: var(--shadow);
}

/* ============================================================
   DIRECTOR DESK SECTION
   ============================================================ */
.director-sec { position: relative; padding: 80px 0; color: var(--white); overflow: hidden; }
.director-sec > img {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
}
.dir-overlay { position: absolute; inset: 0; background: rgba(10,10,20,0.78); }
.director-sec .container { position: relative; z-index: 1; }
.director-sec .sec-head h2 { color: var(--white); }
.director-sec .sec-head p {font-size: 18px;line-height: 1.6em; font-weight: 400;margin: 0 0 .75em;color: var(--white);}
.dir-cards { 
  display: flex; 
  gap: 24px; 
  justify-content: center; 
  flex-wrap: wrap; 
  margin-top: 42px; 
  align-items: flex-start;
}
.dir-card {
  background: #ffffff; border: 1px solid rgba(255,255,255,0.18);
  padding: 32px 24px; text-align: center; flex: 1;
  min-width: 240px; max-width: 364px; transition: transform var(--transition);
}
.dir-card:hover { transform: translateY(-6px); }
.dir-avatar {
  width: 106px; height: 106px; border-radius: 50%;
  object-fit: cover; object-position: top;
  margin: 0 auto 16px; border: 3px solid var(--orange);
}
.dir-name {
   font-size:18px;line-height:25px;font-weight:600px;text-transform:uppercase;margin-bottom:6px; color:  #333333;
}
.dir-role { font-size: 18px; color: #777777; margin-bottom: 16px;text-align: center; }

.dir-bio {max-height: 96px; overflow: hidden; transition: max-height 0.4s ease;}
.dir-bio {font-size: 18px;line-height: 1.6em;font-weight: 400;margin: 0 0 .75em;color: #333333;transition: max-height 0.4s ease;}
.dir-bio.expanded { max-height: 100%; }
.rm-btn {
  display: inline-block; margin-top: 12px;
  cursor: pointer; letter-spacing: 0.5px;
    color: #0073aa;
    cursor: pointer;
    font-weight: 600;
	font-size: 18px;
}
.rm-btn:hover { text-decoration: underline; }

/* ============================================================
   WHO ARE WE SECTION
   ============================================================ */
.who-sec { background: var(--white); }
.who-grid {
  display: grid; grid-template-columns: repeat(3,1fr); gap: 32px 48px;
}
.who-item h3 {
  font-size: 20px;margin-bottom: 15px;margin-top: 30px;font-weight: 500;
  color: #333;
}
.who-item p {font-size: 16px;line-height: 1.6;font-weight: 400;margin: 0 0 .75em; color: #777777;text-transform: uppercase;}

/* ============================================================
   CORE VALUES SECTION
   ============================================================ */
.values-sec { background: var(--light-bg); }
.values-col ul {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0 50px;
    margin-top: 40px;
    padding: 0;
    list-style: none;
}
.values-col ul li {
    padding: 2px 0 9px 22px;
    position: relative;
    font-size: 18px;
    border-bottom: 1px solid rgba(0,0,0,0.07);
    color: #555;
}

.values-col ul li::before {
    content: '•';
    position: absolute;
    left: 0;
    top: 8px;
    color: var(--orange);
    font-size: 1.3rem;
    line-height: 1;
}
.values-col ul {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    grid-auto-flow: row;
}
@media (max-width: 992px) {
    .values-col ul {
        grid-template-columns: 1fr;
        gap: 0;
    }
}

/* .values-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 50px; margin-top: 40px; }
.values-col ul li {
  padding: 9px 0 9px 22px; position: relative;
  font-size: 18px; border-bottom: 1px solid rgba(0,0,0,0.07); color: #555;
}
.values-col ul li::before {
  content: '•'; position: absolute; left: 0;
  color: var(--orange); font-size: 1.3rem; line-height: 1; top: 8px;
} */

/* ============================================================
   WHAT WE DO SECTION
   ============================================================ */
.whatdo-sec { background: var(--white); }
.whatdo-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px 50px; }
.whatdo-grid ul li {
  padding: 9px 0 9px 22px; position: relative;
  font-size: 18px; border-bottom: 1px solid rgba(0,0,0,0.07); color: #555;
}
.whatdo-grid ul li::before {
  content: '•'; position: absolute; left: 0;
  color: var(--orange); font-size: 1.3rem; line-height: 1; top: 20px;
}

/* ============================================================
   LOAN SERVICES — TAB SECTION
   ============================================================ */
.loan-svc-sec { background: #f4f4f4; }

/* Tab navigation */
.loan-tab-nav {
  display: flex; justify-content: center; flex-wrap: wrap;
  gap: 0; margin: 0; padding: 0; list-style: none;
}
.loan-tab-item {
  display: flex; flex-direction: column; align-items: center;
  padding: 18px 24px; cursor: pointer; transition: all var(--transition);text-align: center;    margin: 0 15px;
}
.loan-tab-item img {
  width: 110px; height: auto; object-fit: contain;
  margin-bottom: 14px;
  filter: grayscale(100%) contrast(0.8);
  transition: filter var(--transition);
  margin: 0 auto;
  display: block;
}
.loan-tab-item span {
  font-size: 23px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 1.5px;line-height: 1.05em;margin-top: 15px;margin-bottom:15px;
  color: #333; transition: color var(--transition);
}
.loan-tab-item.active img  { filter: none; }
.loan-tab-item.active span { color: var(--orange); }
.loan-tab-item:hover img   { filter: none; }
.loan-tab-item:hover span  { color: var(--orange); }

/* Tab content */
.loan-tab-content { max-width: 780px; margin: 30px auto 0; text-align: center; }
.loan-tab-pane { display: none; }
.loan-tab-pane.active { display: block; }
.loan-tab-pane p { font-size: 18px;color: #555; line-height: 1.82; color: #333;line-height: 1.6em;font-weight: 400;margin: 0 0 .75em;}
.loan-tab-rm { margin-top: 18px; }
.loan-tab-rm a {
  display: inline-block;color: #777777; font-weight: 600; font-size: 16px;
  letter-spacing: 0.5px; line-height: 20px;transition: all 0.4s ease 0s;margin: 28px 0 0;padding: 8px 24px;text-align: center;
}
.loan-tab-rm a:hover { color: var(--orange); }

@media (max-width: 768px) {
  .loan-tab-item { padding: 14px 22px; }
  .loan-tab-item img { width: 70px; height: 70px; }
}
@media (max-width: 480px) {
  .loan-tab-item { padding: 12px 16px; }
  .loan-tab-item img { width: 56px; height: 56px; }
  .loan-tab-item span { font-size: 0.65rem; }
}

/* ============================================================
   GALLERY PAGE
   ============================================================ */
.gallery-sec { background: var(--white); }
.gallery-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; }
.gal-item { overflow: hidden; cursor: pointer; }
.gal-item img {
  width: 100%; aspect-ratio: 4/4; object-fit: cover;
  transition: transform 0.4s ease;
}
.gal-item:hover img { transform: scale(1.06); }
/* Lightbox */
.lightbox {
  display: none; position: fixed; inset: 0;
  background: rgba(0,0,0,0.92); z-index: 9999;
  align-items: center; justify-content: center;
}
.lightbox.on { display: flex; }
.lightbox .lb-img { max-width: 88vw; max-height: 88vh; object-fit: contain; }
.lb-close {
  position: absolute; top: 18px; right: 26px;
  color: white; font-size: 2.2rem; cursor: pointer; line-height: 1;
}
.lb-prev, .lb-next {
  position: absolute; top: 50%; transform: translateY(-50%);
  background: rgba(255,255,255,0.15); color: white;
  border: none; cursor: pointer; font-size: 2rem;
  padding: 10px 18px; transition: background var(--transition);
}
.lb-prev { left: 10px; }
.lb-next { right: 10px; }
.lb-prev:hover, .lb-next:hover { background: rgba(251,141,63,0.7); }

/* ============================================================
   CONTENT PAGES (T&C, Refund, Vision, etc.)
   ============================================================ */
.content-sec { padding: 30px 0; background: var(--white); }
.content-body h2 {
  font-size: 1.5rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 1.5px; color: #222; margin: 36px 0 14px;
  border-left: 4px solid var(--orange); padding-left: 14px;
}
.content-body h2:first-child { margin-top: 0; }
.content-body h3 {
  font-family: Cambria, sans-serif;
  font-size: 1.61em;
  line-height: 1.05em;
  margin-top: 15px;
  margin-bottom: 15px;
  font-weight: 500;
  color: #333;
  letter-spacing: normal;
  text-transform: none;
}
.content-body h4 {
  font-family: Cambria, sans-serif;
  font-size: 1.3em;
  line-height: 1.2em;
  margin-top: 15px;
  margin-bottom: 10px;
  font-weight: 500;
  color: #333;
}
.content-body p {
  font-family: Cambria, sans-serif;
  font-size: 18px;
  line-height: 1.6em;
  font-weight: 400;
  margin: 0 0 .75em;
  color: #555;
}
.content-body ul { margin: 0 0 18px 24px; }
.content-body ul li {
  font-family: Cambria, sans-serif;
  font-size: 18px;
  line-height: 1.6em;
  font-weight: 400;
  list-style: disc;
  color: #555;
  margin-bottom: 7px;
}
.content-body strong { font-family: Cambria, sans-serif; color: #333; font-weight: 700; }
.contact-info-box {
  margin-top: 32px; padding: 24px; background: var(--light-bg);
  border-left: 4px solid var(--orange); line-height: 1.9;
}
.contact-info-box a { color: var(--orange); }

/* ============================================================
   PRICING PAGE
   ============================================================ */
.pricing-sec { background: var(--light-bg); }
.pricing-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.p-card { background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.p-card-head { background: var(--orange); color: var(--white); text-align: center; padding: 22px 16px; }
.p-card-head h3 { font-size: 1rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.2px; }
.p-card-body { padding: 24px; }
.p-rate { font-size: 2rem; font-weight: 900; color: var(--orange); text-align: center; margin: 12px 0 4px; }
.p-rate-lbl { text-align: center; font-size: 0.76rem; color: #888; margin-bottom: 20px; }
.p-card-body ul li {
  padding: 8px 0; border-bottom: 1px solid #f0f0f0;
  font-size: 0.86rem; color: #555;
}
.p-card-body ul li:last-child { border-bottom: none; }
.p-card-cta { text-align: center; padding: 16px; background: #fafafa; }
.p-card-cta a {
  display: inline-block; background: var(--orange); color: var(--white);
  padding: 10px 28px; border-radius: var(--radius); font-size: 0.82rem;
  font-weight: 700; text-transform: uppercase; letter-spacing: 1px;
  transition: background var(--transition);
}
.p-card-cta a:hover { background: var(--blue); }

/* ============================================================
   CONTACT PAGE
   ============================================================ */

/* --- Contact Info boxes (4 columns) --- */
.contact-info-sec { background: var(--white); padding: 60px 0; }
.contact-boxes { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.contact-box { text-align: center; padding: 20px 16px; }
.contact-box .cb-icon {
  display: flex; align-items: center; justify-content: center;
  width: 52px; height: 52px; margin: 0 auto 16px;
}
.contact-box .cb-icon i { font-size: 1.7rem; color: var(--orange); }
.contact-box h3 {
  font-family: Cambria, sans-serif;
  font-size: 1.61em; line-height: 1.05em;
  font-weight: 500; color: #333;
  margin-bottom: 10px;
}
.contact-box p {
  font-family: Cambria, sans-serif;
  font-size: 18px; line-height: 1.6em;
  font-weight: 400; color: #777; margin: 0;
}
.contact-box a { color: #777; transition: color var(--transition); }
.contact-box a:hover { color: var(--orange); }

/* --- Contact Form section --- */
.contact-form-sec { background: var(--white); padding: 60px 0 80px; }
.contact-form-sec .sec-head p {
  font-family: Cambria, sans-serif;
  font-size: 18px; line-height: 1.6em; color: #555;
  max-width: 640px; margin: 14px auto 0; text-align: center;
}
.contact-form-wrap { max-width: 760px; margin: 40px auto 0; }
.cf-row-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 24px; }
.cf-field label {
  display: block; font-family: Cambria, sans-serif;
  font-size: 0.78rem; font-weight: 700; color: #555;
  text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 8px;
}
.cf-field .error, .cf-textarea .error{font-family: Cambria, sans-serif;text-transform: none;color: #ff8949;font-weight: 400;font-size: 14px;letter-spacing: 0.5px;}
.cf-field label sup { color: var(--orange); margin-left: 2px; }
.cf-field input {
  width: 100%; padding: 8px 0; border: none;
  border-bottom: 1px solid #ccc; font-size: 18px;
  font-family: Cambria, sans-serif; color: #555;
  background: transparent; transition: border-color var(--transition);
}
.cf-field input:focus { border-bottom-color: var(--orange); outline: none; }
.cf-field input::placeholder { color: #bbb; }
.cf-textarea { margin-bottom: 10px; }
.cf-textarea textarea {
  width: 100%; padding: 10px 0; border: none;
  border-bottom: 1px solid #ccc; font-size: 18px;
  font-family: Cambria, sans-serif; color: #555;
  background: transparent; height: 160px; resize: vertical;
  transition: border-color var(--transition);
}
.cf-textarea textarea:focus { border-bottom-color: var(--orange); outline: none; }
.cf-textarea textarea::placeholder { color: #bbb; }
.cf-submit { text-align: center; margin-top: 30px; }
.cf-submit button {
  background: var(--orange); color: var(--white);
  padding: 12px 44px; border: none; border-radius: var(--radius);
  font-size: 0.88rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 1.5px; cursor: pointer; font-family: Cambria, sans-serif;
  transition: background var(--transition);
}
.cf-submit button:hover { background: var(--blue); }

/* Responsive */
@media (max-width: 992px) {
  .contact-boxes { grid-template-columns: repeat(2, 1fr); gap: 24px; }
}
@media (max-width: 768px) {
  .contact-boxes { grid-template-columns: 1fr 1fr; }
  .cf-row-3 { grid-template-columns: 1fr; gap: 16px; }
  .contact-box h3 { font-size: 1.2em; }
  .contact-box p { font-size: 15px; }
}
@media (max-width: 480px) {
  .contact-boxes { grid-template-columns: 1fr; }
}

/* ============================================================
   ABOUT US PAGE
   ============================================================ */
.about-grid { display: grid; grid-template-columns: 3fr 2fr; gap: 50px; align-items: start; }
.about-img img { width: 100%; height: 380px; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow); }
.about-stats { display: flex; gap: 24px; margin: 32px 0; flex-wrap: wrap; }
.stat-box { flex: 1; min-width: 120px; text-align: center; padding: 20px 12px; background: var(--light-bg); border-top: 3px solid var(--orange); }
.stat-box .num { font-size: 1.8rem; font-weight: 900; color: var(--orange); }
.stat-box .lbl { font-size: 0.76rem; text-transform: uppercase; letter-spacing: 1px; color: #666; }

/* ============================================================
   LOAN INNER PAGES
   ============================================================ */
.loan-page-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 50px; }
.loan-content h2 { font-size: 1.5rem; font-weight: 700; color: #222; margin: 28px 0 12px; }
.loan-content h2:first-child { margin-top: 0; }
.loan-content p { color: #555; line-height: 1.82; }
.loan-feature-list { margin: 16px 0 24px; }
.loan-feature-list li {
  padding: 10px 0 10px 28px; position: relative;
  border-bottom: 1px solid #eee; color: #555; font-size: 0.9rem;
}
.loan-feature-list li::before { content: '✓'; position: absolute; left: 0; color: var(--orange); font-weight: 700; }
.loan-sidebar { background: var(--light-bg); padding: 28px; border-radius: var(--radius); position: sticky; top: 90px; }
.loan-sidebar h4 { font-size: 0.9rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: #333; margin-bottom: 16px; padding-bottom: 10px; border-bottom: 2px solid var(--orange); }
.loan-sidebar ul li { padding: 9px 0; border-bottom: 1px solid #e5e5e5; font-size: 0.86rem; color: #555; }
.loan-sidebar ul li:last-child { border-bottom: none; }
.loan-sidebar ul li span { font-weight: 700; color: #333; }
.apply-btn {
  display: block; width: 100%; background: var(--orange); color: var(--white);
  padding: 14px; text-align: center; border-radius: var(--radius);
  font-weight: 700; font-size: 0.86rem; text-transform: uppercase;
  letter-spacing: 1px; margin-top: 20px; transition: background var(--transition);
}
.apply-btn:hover { background: var(--blue); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--dark); color: #aaa; padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1.4fr 1fr 1.4fr; gap: 28px; }
.f-col h5 {color: var(--white); text-align: left;margin-top: 10px;margin-bottom: 25px;font-size: 16px;line-height: 16.5px;font-weight: bold;text-transform: none;padding: 0;background: none;border-left: none;}
.f-col address, .f-col p { font-size:16px; font-style: normal; line-height: 1.9; color: #999; }
.f-col ul li { margin-bottom: 8px; }
.f-col ul li a { font-size: 14px; color: #999; transition: color var(--transition); font-weight: 600;}
.f-col ul li a:hover { color: var(--orange); }
.f-social li a {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.8rem; color: #999; transition: color var(--transition);
}
.f-social li a:hover { color: var(--orange); }
.f-social li a i { font-size: 1rem; width: 16px; }
.footer-bottom {
  margin-top: 42px; padding: 18px 0;
  border-top: 1px solid #2e2e2e; text-align: center;
}
.footer-bottom p { margin: 10px 0px 20px;padding: 10px 15px;font-size:17px;line-height: 20px;text-align: center; color: #666; }
.footer-bottom a { color: var(--orange); font-size: 14px;}

/* ============================================================
   SCROLL TO TOP
   ============================================================ */
#scrollTopBtn {
  position: fixed; bottom: 26px; right: 26px; z-index: 999;
  display: none; width: 46px; height: 46px;
  border: none; outline: none; cursor: pointer;
  border-radius: 50%; background: var(--orange); color: var(--white);
  font-size: 1.1rem; box-shadow: 0 4px 14px rgba(0,0,0,0.22);
  align-items: center; justify-content: center;
  transition: all var(--transition);
}
#scrollTopBtn.visible { display: flex; }
#scrollTopBtn:hover { background: var(--blue); transform: translateY(-3px); }

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb { background: #f0f0f0; padding: 11px 0; }
.breadcrumb ul { display: flex; gap: 6px; align-items: center; flex-wrap: wrap; }
.breadcrumb ul li { font-size: 0.78rem; color: #888; }
.breadcrumb ul li a { color: var(--orange); }
.breadcrumb ul li + li::before { content: '/'; margin-right: 6px; color: #bbb; }

/* ============================================================
   TABLET (≤ 992px)
   ============================================================ */
@media (max-width: 992px) {
  .hero-slide { height: 400px; }
  .slide-txt h1 { font-size: 2rem; }
  .who-grid { grid-template-columns: repeat(2,1fr); }
  .values-grid { grid-template-columns: 1fr; gap: 0; }
  .mentor-grid { grid-template-columns: 1fr; }
  .mentor-img img { height: 320px; }
  .about-grid { grid-template-columns: 1fr; }
  .about-img img { height: 300px; }
  .gallery-grid { grid-template-columns: repeat(3,1fr); }
  .footer-grid { grid-template-columns: repeat(2,1fr); }
  .pricing-grid { grid-template-columns: repeat(2,1fr); }
  .loan-page-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .director-sec { min-height: auto; }
}

/* ============================================================
   MOBILE (≤ 768px)
   ============================================================ */
@media (max-width: 768px) {
  section { padding: 50px 0; }
  .site-header .nav-wrap { padding: 0 16px; }
  .nav-toggle { display: flex; }
  .nav-menu {
    display: none; position: fixed; top: 68px; left: 0; right: 0;
    background: var(--white); flex-direction: column; align-items: stretch;
    padding: 8px 0; box-shadow: 0 6px 20px rgba(0,0,0,0.15);
    max-height: calc(100vh - 68px); overflow-y: auto; z-index: 999;
  }
  .nav-menu.open { display: flex; }
  .nav-menu > li { display: block; }
  .nav-menu > li > a {
    padding: 13px 20px; border-bottom: 1px solid #f0f0f0;
    justify-content: space-between;
  }
  .nav-menu > li.active > a { background: var(--orange); color: var(--white); }
  .nav-drop {
    position: static; opacity: 1; visibility: visible; transform: none;
    background: #fff8f2; display: none;
  }
  .nav-drop.open { display: block; }
  .nav-drop li a { color: #555; padding: 10px 32px; }
  .drop-arrow { pointer-events: none; }

  .hero-slide { height: 260px; }
  .slide-txt h1 { font-size: 1.3rem; }
  .slide-txt .co-name { font-size: 0.95rem; }
  .page-hero { height: 210px; }
  .page-hero .ph-content h1 { font-size: 1.5rem; padding: 8px 18px; }
  .who-grid { grid-template-columns: 1fr; }
  .whatdo-grid { grid-template-columns: 1fr; }
  .loan-icons { gap: 24px; }
  .loan-icon-item img { width: 60px; height: 60px; }
  .gallery-grid { grid-template-columns: repeat(2,1fr); gap: 6px; }
  .footer-grid { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; }
  .dir-cards { flex-direction: column; align-items: center; }
  .dir-card { max-width: 100%; min-width: unset; width: 100%; }
  .sec-head h2 { font-size: 1.55rem; }
  .sep::before, .sep::after { width: 36px; }
  .about-stats { gap: 12px; }
}

@media (max-width: 480px) {
  .site-header {    padding: 0 8px 3px;}
  .hero-slide { height: 210px; }
  .slide-txt h1 { font-size: 1.05rem; }
  .gallery-grid { grid-template-columns: 1fr; }
  .loan-icons { gap: 18px; }
  .nav-menu > li > a{height: 48px;}
}