/* Performance optimizations and custom styles */
* { --primary: #1e5a96; --secondary: #FFC107; --dark: #0f3460; --light: #f8f9fa; --text: #333; }
body { padding: 0; margin: 0; }
.spad { padding: 30px 0 !important; }

.hero-dual {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    align-items: center;
    margin-top: 20px;
}

.hero-card {
    background: #fff;
    padding: 25px;
    border-radius: 8px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.08);
}

.hero-card h3 {
    color: var(--primary);
    font-size: 20px;
    margin-bottom: 12px;
    font-weight: 700;
}

.hero-card p {
    color: #666;
    margin-bottom: 15px;
    line-height: 1.5;
    font-size: 14px;
}

.feature-icon {
    font-size: 35px;
    color: var(--primary);
    margin-bottom: 15px;
}

.why-choose-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 15px;
    margin-top: 20px;
}

.why-choose-item {
    text-align: center;
    padding: 20px;
    background: var(--light);
    border-radius: 6px;
    transition: all 0.3s ease;
}

.why-choose-item:hover {
    background: #fff;
    box-shadow: 0 3px 12px rgba(30,90,150, 0.15);
    transform: translateY(-3px);
}

.why-choose-item .icon {
    font-size: 40px;
    color: var(--primary);
    margin-bottom: 10px;
}

.why-choose-item h5 {
    color: var(--primary);
    font-size: 18px;
    margin-bottom: 8px;
    font-weight: 700;
}

.why-choose-item p {
    color: #666;
    font-size: 14px;
    line-height: 1.5;
}

/* How It Works Section Background */
#how-works {
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 50%, #dee2e6 100%);
    position: relative;
    overflow: hidden;
}

#how-works::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image:
        radial-gradient(circle at 20% 80%, rgba(30, 90, 150, 0.1) 0%, transparent 50%),
        radial-gradient(circle at 80% 20%, rgba(255, 193, 7, 0.1) 0%, transparent 50%),
        radial-gradient(circle at 40% 40%, rgba(40, 167, 69, 0.05) 0%, transparent 50%);
    z-index: 0;
}

#how-works .container {
    position: relative;
    z-index: 1;
}

#how-works .section-title-custom {
    text-align: center;
    margin-bottom: 40px;
}

#how-works .section-title-custom h2 {
    color: #1e5a96;
    font-size: 36px;
    font-weight: 700;
    margin-bottom: 10px;
    position: relative;
}

#how-works .section-title-custom h2::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 50%;
    transform: translateX(-50%);
    width: 60px;
    height: 3px;
    background: linear-gradient(90deg, #1e5a96, #FFC107, #28a745);
    border-radius: 2px;
}

#how-works .section-title-custom p {
    color: #666;
    font-size: 18px;
    font-weight: 400;
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 30px;
    position: relative;
}

.process-steps::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, #1e5a96, #FFC107, #28a745);
    z-index: 1;
}

.process-step {
    background: linear-gradient(135deg, #ffffff 0%, #f8f9fa 100%);
    padding: 25px 20px;
    border-radius: 15px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.1);
    text-align: center;
    position: relative;
    z-index: 2;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    border: 2px solid transparent;
    min-width: 180px;
}

.process-step:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(0,0,0,0.15);
    border-color: #FFC107;
}

.process-step .step-number {
    display: inline-block;
    width: 50px;
    height: 50px;
    background: #1e5a96;
    color: white;
    border-radius: 50%;
    text-align: center;
    line-height: 50px;
    font-weight: 700;
    font-size: 18px;
    margin-bottom: 15px;
    box-shadow: 0 4px 15px rgba(30, 90, 150, 0.3);
    position: relative;
}


.process-step .step-number::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 50%;
    transform: translateX(-50%);
    width: 0;
    height: 0;
    border-left: 8px solid transparent;
    border-right: 8px solid transparent;
    border-top: 8px solid #1e5a96;
}


.process-step h5 {
    color: #1e5a96;
    font-size: 16px;
    margin-bottom: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.process-step p {
    color: #666;
    font-size: 14px;
    line-height: 1.5;
    margin: 0;
}




.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-top: 20px;
}

.testimonial-card {
    background: #fff;
    padding: 22px;
    border-radius: 18px;
    box-shadow: 0 2px 10px rgba(0,0,0,0.08);
    position: relative;
    transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease;
    border: 1px solid rgba(255,255,255,0.35);
}

.testimonial-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0,0,0,0.12);
    border-color: rgba(30,90,150,0.18);
}

.testimonial-card:hover .quote-icon {
    color: var(--dark);
    opacity: 0.35;
}

.testimonial-card:hover .testimonial-author .avatar {
    transform: scale(1.05);
    box-shadow: 0 6px 16px rgba(0,0,0,0.12);
}

.testimonial-card .quote-icon {
    font-size: 35px;
    color: var(--primary);
    opacity: 0.2;
    position: absolute;
    top: 8px;
    right: 15px;
}

.testimonial-card p {
    color: #444;
    line-height: 1.75;
    margin-bottom: 15px;
    font-style: italic;
    font-size: 15px;
}
.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
    border-top: 1px solid #eee;
    padding-top: 12px;
}

.testimonial-author .avatar {
    width: 45px;
    height: 45px;
    background: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: 700;
    font-size: 18px;
}

.testimonial-author-info h6 {
    color: var(--primary);
    margin: 0;
    font-weight: 700;
    font-size: 16px;
}

.testimonial-author-info .role {
    color: #666;
    font-size: 12px;
    margin: 2px 0 0 0;
}

.cta-buttons {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    justify-content: center;
    margin-top: 25px;
}

.btn-borrower {
    background: var(--primary);
    color: white;
    padding: 14px 40px;
    border: none;
    border-radius: 4px;
    font-weight: 700;
    text-decoration: none;
    transition: all 0.3s ease;
    display: inline-block;
    font-size: 16px;
}

.btn-borrower:hover {
    background: var(--dark);
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(30,90,150, 0.3);
}

.btn-lender {
    background: transparent;
    color: var(--primary);
    padding: 12px 40px;
    border: 2px solid var(--primary);
    border-radius: 4px;
    font-weight: 700;
    text-decoration: none;
    transition: all 0.3s ease;
    display: inline-block;
    font-size: 16px;
}

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

.section-title-custom {
    text-align: center;
    margin-bottom: 25px;
}

.section-title-custom h2 {
    color: var(--primary);
    font-size: 42px;
    font-weight: 700;
    margin-bottom: 10px;
}

.section-title-custom p {
    color: #666;
    font-size: 18px;
    max-width: 600px;
    margin: 0 auto;
}

/* Footer Compression */
.footer__about p {
    font-size: 15px;
    line-height: 1.5;
    color: #ffffff;
    margin: 10px 0 0 0;
}

.footer h5 {
    color: #ffffff;
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 12px;
}

.footer ul li {
    font-size: 14px;
    line-height: 1.8;
}

.footer ul li a {
    color: #ffffff;
    text-decoration: none;
    transition: color 0.3s;
}

.footer ul li a:hover {
    color: var(--primary);
}

.footer__copyright {
    border-top: 1px solid #ddd;
    padding-top: 15px;
    margin-top: 15px;
}

.footer__copyright__text p {
    font-size: 14px;
    color: #ffffff;
    margin: 0;
}

.footer__copyright__links {
    padding: 0;
    margin: 0;
}

.footer__copyright__links li {
    display: inline-block;
    margin-right: 15px;
    font-size: 14px;
}

@media (max-width: 768px) {
    .hero-dual { grid-template-columns: 1fr; }
    .why-choose-grid { grid-template-columns: repeat(2, 1fr); }
    .process-steps { grid-template-columns: repeat(2, 1fr); }
    .testimonials-grid { grid-template-columns: 1fr; }
    .cta-buttons { flex-direction: column; }
}