*{
margin:0;
padding:0;
box-sizing:border-box;
font-family:Arial,sans-serif;
}

html{
    scroll-behavior:smooth;
}

section{
    scroll-margin-top: 40px;
}


body{
background:#f5f7fb;
}

header{
display:flex;
justify-content:space-between;
align-items:center;
padding:10px 2%;
background:#0c2340;
color:white;
position:sticky;
top:0;
z-index:999;
}


.logo img{
    height:40px;
    width:auto;
}


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

.logo span{
    color:white;
    font-size:24px;
    font-weight:bold;
}

nav{
display:flex;
gap:25px;
}

nav a{
color:white;
text-decoration:none;
font-weight:600;
}

.hamburger{
display:none;
font-size:22px;
cursor:pointer;
}


.hero{
    
    position: relative;
    height:90vh;
    background:
        linear-gradient(
            rgba(255,255,255,0.42),
            rgba(255,255,255,0.42)
        ),
        url("images/light_backdrop.png");

    background-size:cover;
    background-position:center bottom;
    background-repeat: no-repeat;
    display:flex;
    justify-content:center;
    align-items:center;
    text-align:center;
}

.hero-content{

    position:absolute;
    bottom:12%;
    left:50%;
    transform:translateX(-50%);
    width:100%;
    display:flex;
    justify-content:center;

}


/* INTRO SECTION */

.intro{

    background:#f7f9fc;
    padding:40px 10%;
    text-align:center;

}

.intro-container{

    max-width:900px;
    margin:auto;

}

.intro h2{

    font-size:46px;
    color:#0c2340;
    font-weight:700;
    margin-bottom:18px;

}

.line{

    width:90px;
    height:5px;
    background:#ff7a00;
    margin:0 auto 30px;
    border-radius:20px;

}

.intro p{

    font-size:21px;
    color:#555;
    line-height:1.8;

}

.btn{
    background:#ff7a00;
    min-width:250px;
    color:white;
    padding:16px 30px;
    text-decoration:none;
    font-size:20px;
    border-radius:5px;
}

.loan-section{
padding:70px 8%;
text-align:center;
}

.loan-container{
display:grid;
grid-template-columns:
repeat(auto-fit,minmax(220px,1fr));
gap:20px;
margin-top:40px;
}

.loan-card{
background:white;
padding:30px;
border-radius:12px;
cursor:pointer;
transition:0.3s;
box-shadow:0 2px 10px rgba(0,0,0,0.1);
}

.loan-card:hover{
transform:translateY(-8px);
}

.loan-card.active{

    background:#0c2340;
    color:white;
    transform:translateY(-6px);
    box-shadow:0 10px 25px rgba(12,35,64,.25);
}

.loan-details{
padding:50px 8%;
}

#loanDetails{
    scroll-margin-top:90px;
}

#loanInfo{
background:white;
padding:30px;
border-radius:12px;
box-shadow:0 2px 10px rgba(0,0,0,0.1);
}

.enquiry{
padding:70px 8%;
text-align:center;
}

.contact{
padding:70px 8%;
text-align:center;
}

form{
max-width:600px;
margin:auto;
display:flex;
flex-direction:column;
gap:15px;
}

form input{
padding:14px;
border:1px solid #ddd;
border-radius:5px;
}

form button{
background:#0c2340;
color:white;
padding:14px;
border:none;
cursor:pointer;
}

.location{
padding:70px 8%;
text-align:center;
}

.location iframe{
width:100%;
height:400px;
border:none;
margin-top:20px;
}

footer{
background:#0c2340;
color:white;
text-align:center;
padding:20px;
}

@media(max-width:768px) and (orientation:portrait) {

nav{
display:none;
flex-direction:column;
position:absolute;
top:20px;
right:0;
background:#0c2340;
width:200px;
padding:20px 2%;
}

.logo img{
    height:32px;
    padding:0px 0px 0px 10px;
}

.logo span{
    font-size:22px;
    line-height:1.2;
}

nav.active{
display:flex;
}

.hamburger{
display:block;
}

.hero{
    background:
    linear-gradient(
        rgba(255,255,255,0.42),
        rgba(255,255,255,0.42)
    ),url("images/hero_mobile.png");
    background-size:cover;
    background-position:center;
    height:78vh;
    min-height:550px;
}


.hero-content{
    bottom:60%;
    width:100%;
    left:50%;
    transform:translateX(-50%);
}

.btn{
    width:85%;
    max-width:280px;
    font-size:18px;
    padding:14px 20px;
}

.intro{

    background:#f7f9fc;
    padding:20px 10%;
    text-align:center;

}

}