* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: 'Poppins', sans-serif;
  background: #f6f8fc;
  color: #222;
  line-height: 1.6;
}

/* NAVBAR */
.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 15px 60px;
  background: #0b1f3a;
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 1000;
}

.logo-section {
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-section img {
  width: 45px;
  height: 45px;
}

.navbar h1 {
  font-size: 20px;
  font-weight: 600;
}

.navbar nav a {
  margin-left: 20px;
  text-decoration: none;
  color: #fff;
  font-weight: 500;
  transition: 0.3s;
}

.navbar nav a:hover {
  color: #00c2ff;
}

/* HERO */
.hero {
  height: 90vh;
  background: url('assets/hero.jpg') center/cover no-repeat;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  color: white;
}

.overlay {
  position: absolute;
  width: 100%;
  height: 100%;
  background: rgba(0,0,0,0.6);
}

.hero-content {
  position: relative;
  max-width: 700px;
  padding: 20px;
}

.hero h2 {
  font-size: 42px;
  margin-bottom: 15px;
}

.hero p {
  font-size: 18px;
  margin-bottom: 25px;
}

.hero-buttons a {
  display: inline-block;
  padding: 12px 25px;
  margin: 5px;
  border-radius: 30px;
  text-decoration: none;
  font-weight: 500;
}

.primary-btn {
  background: #00c2ff;
  color: #fff;
}

.secondary-btn {
  border: 2px solid #fff;
  color: #fff;
}

/* SECTIONS */
section {
  padding: 70px 60px;
}

.section-title {
  text-align: center;
  margin-bottom: 40px;
}

.section-title h2 {
  font-size: 32px;
  color: #0b1f3a;
}

/* ABOUT */
.about-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 20px;
}

.about-card {
  background: #fff;
  padding: 25px;
  border-radius: 12px;
  box-shadow: 0 5px 15px rgba(0,0,0,0.08);
  text-align: center;
}

/* SERVICES */
.service-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 20px;
}

.service-card {
  background: #fff;
  padding: 25px;
  border-radius: 12px;
  box-shadow: 0 5px 15px rgba(0,0,0,0.08);
  text-align: center;
}

/* CALCULATOR */
.calculator-box {
  max-width: 500px;
  margin: auto;
  background: #fff;
  padding: 30px;
  border-radius: 15px;
  box-shadow: 0 5px 20px rgba(0,0,0,0.1);
}

.calculator-box input,
.calculator-box select {
  width: 100%;
  padding: 14px;
  margin-bottom: 15px;
  border-radius: 10px;
  border: 1px solid #ddd;
  font-size: 15px;
  font-family: 'Poppins', sans-serif;
  outline: none;
  transition: 0.3s;
}

.calculator-box input:focus,
.calculator-box select:focus {
  border-color: #00c2ff;
}

.calculator-box button {
  width: 100%;
  padding: 14px;
  background: #0b1f3a;
  color: #fff;
  border: none;
  border-radius: 10px;
  font-size: 16px;
  cursor: pointer;
  transition: 0.3s;
}

.calculator-box button:hover {
  background: #00c2ff;
}

#result {
  margin-top: 20px;
  font-size: 16px;
  color: #0b1f3a;
  text-align: center;
  font-weight: 500;
}

/* APPLY PAGE — MULTI-STEP WIZARD */
.apply-hero {
  padding: 70px 60px;
  min-height: 70vh;
}

.apply-subtitle {
  color: #555;
  max-width: 560px;
  margin: 10px auto 0;
  text-align: center;
}

.navbar nav a.active-link {
  color: #00c2ff;
}

/* Progress bar */
.progress-track {
  max-width: 640px;
  margin: 30px auto 8px;
  height: 6px;
  background: #e6e9f0;
  border-radius: 999px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  width: 0%;
  background: #00c2ff;
  transition: width 0.3s ease;
}

.step-label {
  max-width: 640px;
  margin: 0 auto 25px;
  text-align: center;
  font-size: 13px;
  font-weight: 500;
  color: #0b1f3a;
  letter-spacing: 0.3px;
}

.apply-box {
  max-width: 640px;
  margin: auto;
  background: #fff;
  padding: 35px;
  border-radius: 15px;
  box-shadow: 0 5px 20px rgba(0,0,0,0.1);
  display: flex;
  flex-direction: column;
}

.form-step legend {
  font-size: 20px;
  font-weight: 600;
  color: #0b1f3a;
  padding: 0;
  margin-bottom: 6px;
}

.step-note {
  font-size: 13px;
  color: #666;
  margin-bottom: 18px;
  line-height: 1.5;
}

.rate-note {
  background: #f6f8fc;
  border-radius: 10px;
  padding: 14px 16px;
  margin-bottom: 20px;
  font-size: 13px;
  color: #333;
}

.rate-note p {
  margin: 4px 0;
}

.branch-fields {
  margin-top: 10px;
  padding-top: 15px;
  border-top: 1px dashed #ddd;
}

.branch-fields h3,
.apply-box h3 {
  font-size: 16px;
  color: #0b1f3a;
  margin: 10px 0 15px;
}

.apply-box label {
  font-size: 14px;
  font-weight: 500;
  color: #0b1f3a;
  margin-bottom: 6px;
  display: block;
}

.apply-box input[type="text"],
.apply-box input[type="email"],
.apply-box input[type="tel"],
.apply-box input[type="number"],
.apply-box input[type="date"],
.apply-box select,
.apply-box textarea {
  width: 100%;
  padding: 14px;
  margin-bottom: 18px;
  border-radius: 10px;
  border: 1px solid #ddd;
  font-size: 15px;
  font-family: 'Poppins', sans-serif;
  outline: none;
  transition: 0.3s;
  resize: vertical;
}

.apply-box input[type="file"] {
  width: 100%;
  padding: 10px 0;
  margin-bottom: 18px;
  font-size: 13px;
  font-family: 'Poppins', sans-serif;
}

.apply-box input:focus,
.apply-box select:focus,
.apply-box textarea:focus {
  border-color: #00c2ff;
}

.apply-box input[readonly] {
  background: #f6f8fc;
  color: #0b1f3a;
  font-weight: 600;
}

/* Radio / checkbox groups */
.radio-group {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
}

.radio-option {
  display: flex;
  align-items: center;
  gap: 8px;
  background: #f6f8fc;
  border: 1px solid #e2e6ef;
  border-radius: 30px;
  padding: 10px 16px;
  font-size: 14px;
  font-weight: 400;
  color: #222;
  cursor: pointer;
  margin-bottom: 0;
  transition: 0.2s;
}

.radio-option:has(input:checked) {
  border-color: #00c2ff;
  background: rgba(0, 194, 255, 0.08);
  color: #0b1f3a;
  font-weight: 500;
}

.radio-option input {
  accent-color: #00c2ff;
}

.checkbox-option {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  font-weight: 400;
  color: #333;
  margin-bottom: 20px;
  line-height: 1.5;
}

.checkbox-option input {
  margin-top: 3px;
  accent-color: #00c2ff;
}

.declaration-text {
  background: #f6f8fc;
  border-radius: 10px;
  padding: 18px 20px;
  margin-bottom: 22px;
  font-size: 13px;
  color: #333;
  line-height: 1.6;
  max-height: 300px;
  overflow-y: auto;
}

.declaration-text ul {
  margin: 6px 0 12px 20px;
}

.declaration-text p {
  margin-bottom: 8px;
}

/* Wizard navigation */
.wizard-nav {
  display: flex;
  gap: 12px;
  margin-top: 10px;
}

.wizard-back-btn,
.wizard-next-btn {
  flex: 1;
  padding: 14px;
  border-radius: 10px;
  font-size: 16px;
  cursor: pointer;
  transition: 0.3s;
  border: none;
}

.wizard-next-btn {
  background: #0b1f3a;
  color: #fff;
}

.wizard-next-btn:hover {
  background: #00c2ff;
}

.wizard-next-btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

.wizard-back-btn {
  background: #fff;
  color: #0b1f3a;
  border: 1px solid #ddd;
}

.wizard-back-btn:hover {
  border-color: #0b1f3a;
}

.form-message {
  margin-top: 15px;
  text-align: center;
  font-size: 14px;
  font-weight: 500;
}

.form-message.success {
  color: #16a34a;
}

.form-message.error {
  color: #dc2626;
}

@media (max-width: 768px) {
  .apply-hero {
    padding: 40px 20px;
  }
  .apply-box {
    padding: 22px;
  }
}

/* CONTACT */
.contact-box {
  text-align: center;
  background: #fff;
  padding: 30px;
  border-radius: 12px;
  box-shadow: 0 5px 15px rgba(0,0,0,0.08);
}

/* WHATSAPP BUTTON */
.whatsapp {
  position: fixed;
  bottom: 20px;
  right: 20px;
  background: #25D366;
  color: #fff;
  font-size: 26px;
  width: 55px;
  height: 55px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  box-shadow: 0 5px 15px rgba(0,0,0,0.3);
}

/* FOOTER */
footer {
  text-align: center;
  padding: 20px;
  background: #0b1f3a;
  color: #fff;
  margin-top: 40px;
}

/* RESPONSIVE */
@media (max-width: 768px) {

  .navbar {
    flex-direction: column;
    gap: 10px;
    padding: 15px;
  }

  .hero h2 {
    font-size: 28px;
  }

  section {
    padding: 50px 20px;
  }
}