body {
    background: #f9fafb;
    font-family: 'Inter', sans-serif;
    color: #1e293b;
}

/* HERO */
.loan-hero {
    padding: 100px 20px;
    text-align: center;
}

.loan-hero h1 {
    font-size: 3rem;
    color: #1e293b;
}

.loan-hero p {
    max-width: 700px;
    margin: auto;
    color: #475569;
}

/* WHY CHOOSE US */
.loan-why {
    padding: 80px 0;
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit,minmax(250px,1fr));
    gap: 25px;
}

.card {
    background: white;
    padding: 30px;
    border-radius: 20px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.05);
    transition: transform 0.3s;
}

.card:hover {
    transform: translateY(-10px);
}

.card h3 {
    margin-bottom: 15px;
    color: #6366f1;
}

.card p {
    line-height: 1.6;
    color: #475569;
}

/* PROCESS */
.loan-process {
    padding: 80px 0;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit,minmax(250px,1fr));
    gap: 25px;
}

.process-card {
    background: #ffffff;
    padding: 30px;
    border-radius: 20px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.05);
    transition: transform 0.3s;
}

.process-card:hover {
    transform: translateY(-10px);
}

.process-card h3 {
    margin-bottom: 15px;
    color: #6366f1;
}

.process-card p {
    color: #475569;
}

/* FORM */
.loan-form {
    padding: 80px 20px;
}

/* Form visuals */
.loan-form .container {
    max-width: 920px;
    margin: 0 auto;
}

.loan-form h2 {
    font-size: 1.8rem;
    margin-bottom: 6px;
    color: #0f172a;
}

.loan-form p { color: #475569; margin-bottom: 22px; }

.form-step {
    display: none;
    background: linear-gradient(180deg, #ffffff, #fbfdff);
    padding: 28px;
    border-radius: 18px;
    box-shadow: 0 20px 60px rgba(2,6,23,0.06);
    margin-top: 18px;
}

.form-step.active { display: block; }

.form-step h2 { margin-top: 0; color: #111827; }

.form-step input,
.form-step select,
.form-step textarea {
    width: 100%;
    padding: 12px 14px;
    margin: 10px 0 16px;
    border-radius: 10px;
    border: 1px solid #e6eef8;
    background: #fbfdff;
    font-size: 0.98rem;
    color: #0f172a;
    box-shadow: inset 0 1px 0 rgba(255,255,255,0.6);
}

.form-step textarea { min-height: 120px; resize: vertical; }

.form-step .row { display:flex; gap:12px; }
.form-step .row .col { flex:1; }

.form-step button {
    background: linear-gradient(90deg,#10b981,#34d399);
    color: white;
    border: none;
    padding: 10px 16px;
    border-radius: 10px;
    font-weight: 700;
    cursor: pointer;
    margin-right: 10px;
}

.form-step button[type="submit"] {
    background: linear-gradient(90deg,#047857,#10b981);
}

.form-step button[onclick^="prevStep"] {
    background: transparent;
    color: #475569;
    border: 1px solid #e6eef8;
}

.steps { max-width: 680px; }
.step { background: rgba(99,102,241,0.06); padding: 10px; border-radius: 12px; }
.step.active { background: linear-gradient(90deg,#6366f1,#7c83ff); color: white; }

/* small helper for inline result */
#calcResult p { font-weight:700; color:#0f172a; margin-top:6px; }

@media(max-width:768px){
    .form-step .row { flex-direction: column; }
    .steps { flex-direction: column; gap:8px; }
}

.steps {
    display: flex;
    justify-content: space-between;
    max-width: 600px;
    margin: 20px auto;
}

.step {
    flex: 1;
    text-align: center;
    padding: 10px 0;
    border-bottom: 3px solid #cbd5e1;
    font-weight: 600;
    color: #64748b;
    transition: all 0.3s;
}

.step.active {
    border-color: #6366f1;
    color: #6366f1;
}

/* ANIMATION */
.fade-up {
    opacity: 0;
    transform: translateY(40px);
    transition: 0.8s;
}

.fade-up.show {
    opacity: 1;
    transform: translateY(0);
}

/* RESPONSIVE */
@media(max-width:768px){
    .why-grid, .process-grid {
        grid-template-columns: 1fr;
    }
}