:root {
  --primary-h: 188;
  --primary-s: 70%;
  --primary-l: 32%;
  --primary: hsl(var(--primary-h) var(--primary-s) var(--primary-l));
  
  --background: hsl(0 0% 100%);
  --foreground: hsl(222.2 84% 4.9%);
  
  --card: hsl(0 0% 100%);
  --card-foreground: hsl(222.2 84% 4.9%);
  
  --muted: hsl(210 40% 96.1%);
  --muted-foreground: hsl(215.4 16.3% 46.9%);
  
  --border: hsl(214.3 31.8% 91.4%);
  
  --accent: hsl(210 40% 96.1%);
  --accent-foreground: hsl(222.2 47.4% 11.2%);
}

.dark {
  --background: hsl(222.2 84% 4.9%);
  --foreground: hsl(210 40% 98%);
  
  --card: hsl(222.2 84% 4.9%);
  --card-foreground: hsl(210 40% 98%);
  
  --muted: hsl(217.2 32.6% 17.5%);
  --muted-foreground: hsl(215 20.2% 65.1%);
  
  --border: hsl(217.2 32.6% 17.5%);
  
  --accent: hsl(217.2 32.6% 17.5%);
  --accent-foreground: hsl(210 40% 98%);
}

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Roboto', 'Oxygen', 'Ubuntu', 'Cantarell', 'Fira Sans', 'Droid Sans', 'Helvetica Neue', sans-serif;
  background-color: var(--background);
  color: var(--foreground);
  line-height: 1.75;
  letter-spacing: 0em;
  transition: background-color 0.3s, color 0.3s;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.2;
}

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1rem;
}

.navbar {
  position: sticky;
  top: 0;
  z-index: 50;
  background-color: rgba(255, 255, 255, 0.95);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(8px);
}

.dark .navbar {
  background-color: rgba(15, 23, 42, 0.95);
}

.navbar-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  padding: 0 1rem;
}

.logo-container {
  padding: 0.25rem 0.5rem;
  border-radius: 0.5rem;
}

.dark .logo-container {
  background-color: rgba(255, 255, 255, 0.9);
}

.logo {
  height: 2.5rem;
  width: auto;
}

.nav-links {
  display: none;
  gap: 0.5rem;
}

@media (min-width: 1024px) {
  .nav-links {
    display: flex;
  }
}

.nav-link {
  padding: 0.5rem 1rem;
  border-radius: 0.375rem;
  text-decoration: none;
  color: var(--foreground);
  font-size: 0.875rem;
  transition: background-color 0.2s;
}

.nav-link:hover {
  background-color: var(--accent);
}

.nav-link.active {
  background-color: var(--accent);
  color: var(--accent-foreground);
}

.nav-controls {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.btn {
  padding: 0.5rem 1rem;
  border: none;
  border-radius: 0.375rem;
  cursor: pointer;
  font-size: 0.875rem;
  background-color: transparent;
  color: var(--foreground);
  text-decoration: none;
  transition: background-color 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
}

.btn:hover {
  background-color: var(--accent);
}

.btn-icon {
  width: 2.5rem;
  height: 2.5rem;
  padding: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

.btn-primary {
  background-color: var(--primary);
  color: white;
}

.btn-primary:hover {
  opacity: 0.9;
}

.btn-outline {
  border: 1px solid var(--border);
}

.dropdown {
  position: relative;
}

.dropdown-menu {
  position: absolute;
  right: 0;
  top: 100%;
  margin-top: 0.5rem;
  background-color: var(--card);
  border: 1px solid var(--border);
  border-radius: 0.5rem;
  box-shadow: 0 4px 6px -1px rgb(0 0 0 / 0.1);
  min-width: 120px;
  z-index: 50;
}

.dropdown-item {
  padding: 0.5rem 1rem;
  cursor: pointer;
  transition: background-color 0.2s;
  display: block;
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  color: var(--foreground);
  font-size: 0.875rem;
}

.dropdown-item:hover {
  background-color: var(--accent);
}

.hidden {
  display: none !important;
}

.mobile-menu {
  padding: 1rem 0;
  border-top: 1px solid var(--border);
}

@media (min-width: 1024px) {
  .mobile-menu {
    display: none !important;
  }
  
  .mobile-menu-toggle {
    display: none !important;
  }
}

.hero {
  position: relative;
  min-height: 500px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-size: cover;
  background-position: center;
  overflow: hidden;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(0,0,0,0.6), rgba(0,0,0,0.4));
}

.hero-content {
  position: relative;
  z-index: 10;
  text-align: center;
  color: white;
  max-width: 800px;
  padding: 2rem;
}

.hero-title {
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: 1rem;
}

@media (min-width: 768px) {
  .hero-title {
    font-size: 3.5rem;
  }
}

.hero-subtitle {
  font-size: 1.125rem;
  margin-bottom: 2rem;
  opacity: 0.95;
}

.hero-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

.section {
  padding: 4rem 0;
}

.section-title {
  font-size: 2rem;
  font-weight: 600;
  text-align: center;
  margin-bottom: 2rem;
}

.card {
  background-color: var(--card);
  border: 1px solid var(--border);
  border-radius: 0.5rem;
  padding: 1.5rem;
  transition: transform 0.2s, box-shadow 0.2s;
}

.card:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 6px -1px rgb(0 0 0 / 0.1);
}

.grid {
  display: grid;
  gap: 1.5rem;
}

.grid-cols-1 {
  grid-template-columns: repeat(1, minmax(0, 1fr));
}

@media (min-width: 768px) {
  .md\:grid-cols-2 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  
  .md\:grid-cols-3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (min-width: 1024px) {
  .lg\:grid-cols-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.icon-container {
  width: 3rem;
  height: 3rem;
  border-radius: 0.75rem;
  background-color: rgba(var(--primary-h), var(--primary-s), var(--primary-l), 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.icon {
  width: 1.5rem;
  height: 1.5rem;
  color: var(--primary);
}

.text-muted {
  color: var(--muted-foreground);
}

.text-center {
  text-align: center;
}

.mb-4 {
  margin-bottom: 1rem;
}

.mb-8 {
  margin-bottom: 2rem;
}

.footer {
  border-top: 1px solid var(--border);
  background-color: var(--card);
  padding: 3rem 0;
}

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

@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.footer-copyright {
  border-top: 1px solid var(--border);
  padding-top: 2rem;
  text-align: center;
  font-size: 0.875rem;
  color: var(--muted-foreground);
}

.carousel-container {
  position: relative;
  width: 100%;
  max-width: 800px;
  margin: 0 auto;
  overflow: hidden;
  border-radius: 0.75rem;
}

.carousel {
  display: flex;
  width: 100%;
  transition: transform 0.5s ease-in-out;
}

.carousel-slide {
  flex: 0 0 100%;
  width: 100%;
  min-width: 100%;
  max-width: 100%;
  aspect-ratio: 4/3;
}

.carousel-slide img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  border-radius: 0.75rem;
  background-color: var(--muted);
}

.carousel-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  background-color: rgba(255, 255, 255, 0.9);
  border: none;
  border-radius: 50%;
  width: 3rem;
  height: 3rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 10;
}

.dark .carousel-btn {
  background-color: rgba(0, 0, 0, 0.7);
  color: white;
}

.carousel-btn-prev {
  left: 1rem;
}

.carousel-btn-next {
  right: 1rem;
}

.stats-container {
  display: grid;
  grid-template-columns: repeat(1, minmax(0, 1fr));
  gap: 2rem;
  margin: 3rem 0;
}

@media (min-width: 768px) {
  .stats-container {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.stat-card {
  text-align: center;
  padding: 2rem;
  background-color: var(--card);
  border: 1px solid var(--border);
  border-radius: 0.5rem;
}

.stat-number {
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 0.5rem;
}

.stat-label {
  font-size: 1rem;
  color: var(--muted-foreground);
}

.golden-loan-card {
  overflow: hidden;
}

.golden-loan-card .grid {
  gap: 0;
}

.golden-loan-image-container {
  position: relative;
  height: 16rem;
  overflow: hidden;
}

@media (min-width: 768px) {
  .golden-loan-image-container {
    height: auto;
  }
}

.golden-loan-image-container img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.golden-loan-content {
  padding: 2rem 3rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: linear-gradient(135deg, rgba(251, 191, 36, 0.1) 0%, var(--background) 100%);
}

.dark .golden-loan-content {
  background: linear-gradient(135deg, rgba(251, 191, 36, 0.05) 0%, var(--background) 100%);
}

.golden-loan-content h2 {
  font-family: 'Poppins', sans-serif;
  font-size: 1.75rem;
  font-weight: 600;
  margin-bottom: 1rem;
  color: var(--primary);
}

@media (min-width: 640px) {
  .golden-loan-content h2 {
    font-size: 2rem;
  }
}

.golden-loan-content p {
  font-size: 1.125rem;
  color: var(--muted-foreground);
  line-height: 1.75;
  margin-bottom: 1.5rem;
}

.golden-loan-content ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.golden-loan-content ul li {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  margin-bottom: 0.5rem;
  color: var(--muted-foreground);
}

.golden-loan-content ul li svg {
  width: 1.25rem;
  height: 1.25rem;
  flex-shrink: 0;
  margin-top: 0.125rem;
  color: var(--primary);
  stroke: var(--primary);
}

.challenge-image {
  width: 100%;
  max-width: 600px;
  height: auto;
  border-radius: 0.5rem;
  margin: 2rem auto;
  display: block;
}

ul.list {
  list-style: none;
  padding-left: 0;
}

ul.list li {
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border);
  color: var(--foreground);
  font-size: 1rem;
  line-height: 1.75;
}

ul.list li:last-child {
  border-bottom: none;
}

ul.list li::before {
  content: "✓";
  color: var(--primary);
  font-weight: bold;
  margin-right: 0.5rem;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.contact-icon {
  width: 1.25rem;
  height: 1.25rem;
  flex-shrink: 0;
}