/* === ROOT VARIABLES === */
        :root {
            --primary-blue: #004C8F;
            --secondary-blue: #0066B2;
            --light-blue: #E6F2FF;
            --dark-blue: #003366;
            --accent-red: #ED1C24;
            --text-dark: #2C3E50;
            --text-light: #6C757D;
            --white: #FFFFFF;
            --light-gray: #F8F9FA;
        }
        
        /* === GLOBAL STYLES === */
        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }
        
        body {
            font-family: 'Poppins', sans-serif;
            color: var(--text-dark);
            line-height: 1.6;
            overflow-x: hidden;
        }
        
        html {
            scroll-behavior: smooth;
        }
        
        /* === NAVIGATION === */
        .navbar {
            background: #fff;
            box-shadow: 0 2px 10px rgba(0,0,0,0.08);
            padding: 1rem 0;
            transition: all 0.3s ease;
        }
        
        .navbar.scrolled {
            box-shadow: 0 4px 20px rgba(0,0,0,0.12);
        }
        
        .navbar-brand {
            font-size: 1.75rem;
            font-weight: 700;
            color: var(--primary-blue) !important;
            letter-spacing: -0.5px;
        }
        
        .navbar-brand span {
            color: var(--accent-red);
        }
        
        .nav-link {
            color: var(--text-dark) !important;
            font-weight: 500;
            margin: 0 0.5rem;
            transition: color 0.3s ease;
            font-size: 0.95rem;
        }
        
        .nav-link:hover {
            color: var(--primary-blue) !important;
        }
        
        .btn-apply {
            background: var(--accent-red);
            color: var(--white);
            padding: 0.6rem 1.8rem;
            border-radius: 50px;
            font-weight: 600;
            border: none;
            transition: all 0.3s ease;
        }
        
        .btn-apply:hover {
            background: #C41820;
            transform: translateY(-2px);
            box-shadow: 0 4px 12px rgba(237, 28, 36, 0.3);
        }
        
        /* === HERO SECTION === */
        .hero-section {
            background: url('hero-banner-web-a.webp') center/cover;
            padding: 100px 0 80px;
            position: relative;
            overflow: hidden;
			
        }


.fixed-top {
    position: relative!important;
    top: 0;
    right: 0;
    left: 0;
    z-index: 1030;
}

        .hero-content {
            position: relative;
            z-index: 2;
        }
        
        .hero-section h1 {
            color: var(--white);
            font-size: 3.5rem;
            font-weight: 700;
            margin-bottom: 1.5rem;
            line-height: 1.2;
        }
        
        .hero-section p {
            color: rgba(255,255,255,0.95);
            font-size: 1.25rem;
            margin-bottom: 2rem;
            line-height: 1.6;
        }
        
        .hero-buttons .btn {
            margin: 0.5rem;
            padding: 0.8rem 2rem;
            font-weight: 600;
            border-radius: 50px;
            transition: all 0.3s ease;
        }
        
        .btn-primary-custom {
            background: var(--accent-red);
            border: 2px solid var(--accent-red);
            color: var(--white);
        }
        
        .btn-primary-custom:hover {
            background: #C41820;
            border-color: #C41820;
            transform: translateY(-2px);
            box-shadow: 0 6px 20px rgba(237, 28, 36, 0.4);
        }
        
        .btn-outline-custom {
            background: transparent;
            border: 2px solid var(--white);
            color: var(--white);
        }
        
        .btn-outline-custom:hover {
            background: var(--white);
            color: var(--primary-blue);
            transform: translateY(-2px);
        }
        
        /* === FEATURES SECTION === */
        .features-section {
            padding: 80px 0;
            background: var(--white);
        }
        
        .section-title {
            text-align: center;
            margin-bottom: 3rem;
        }
        
        .section-title h2 {
            font-size: 2.5rem;
            font-weight: 700;
            color: var(--primary-blue);
            margin-bottom: 1rem;
        }
        
        .section-title p {
            color: var(--text-light);
            font-size: 1.1rem;
            max-width: 600px;
            margin: 0 auto;
        }
        
        .feature-card {
            text-align: center;
            padding: 2rem 1.5rem;
            border-radius: 15px;
            transition: all 0.3s ease;
            height: 100%;
            background: var(--white);
            border: 1px solid #E9ECEF;
        }
        
        .feature-card:hover {
            transform: translateY(-10px);
            box-shadow: 0 10px 30px rgba(0,76,143,0.15);
            border-color: var(--primary-blue);
        }
        
        .feature-icon {
            width: 80px;
            height: 80px;
            background: linear-gradient(135deg, var(--light-blue) 0%, #CCE5FF 100%);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 1.5rem;
            font-size: 2rem;
            color: var(--primary-blue);
        }
        
        .feature-card h4 {
            font-size: 1.35rem;
            font-weight: 600;
            color: var(--text-dark);
            margin-bottom: 1rem;
        }
        
        .feature-card p {
            color: var(--text-light);
            font-size: 0.95rem;
            line-height: 1.6;
        }
        
        /* === SERVICES SECTION === */
        .services-section {
            padding: 80px 0;
            background: var(--light-gray);
        }
        
        .service-card {
            background: var(--white);
            border-radius: 15px;
            overflow: hidden;
            transition: all 0.3s ease;
            height: 100%;
            box-shadow: 0 2px 10px rgba(0,0,0,0.05);
        }
        
        .service-card:hover {
            transform: translateY(-8px);
            box-shadow: 0 15px 40px rgba(0,76,143,0.15);
        }
        
        .service-image {
            height: 220px;
            overflow: hidden;
            position: relative;
        }
        
        .service-image img {
            width: 100%;
            height: 100%;
            object-fit: cover;
            transition: transform 0.5s ease;
        }
        
        .service-card:hover .service-image img {
            transform: scale(1.1);
        }
        
        .service-badge {
            position: absolute;
            top: 15px;
            right: 15px;
            background: var(--accent-red);
            color: var(--white);
            padding: 0.4rem 1rem;
            border-radius: 50px;
            font-size: 0.85rem;
            font-weight: 600;
        }
        
        .service-content {
            padding: 2rem;
        }
        
        .service-content h4 {
            font-size: 1.4rem;
            font-weight: 600;
            color: var(--primary-blue);
            margin-bottom: 1rem;
        }
        
        .service-content p {
            color: var(--text-light);
            margin-bottom: 1.5rem;
            line-height: 1.6;
        }
        
        .service-features {
            list-style: none;
            padding: 0;
            margin-bottom: 1.5rem;
        }
        
        .service-features li {
            padding: 0.5rem 0;
            color: var(--text-dark);
            font-size: 0.9rem;
        }
        
        .service-features li i {
            color: var(--primary-blue);
            margin-right: 0.5rem;
        }
        
        .btn-learn-more {
            color: var(--primary-blue);
            font-weight: 600;
            text-decoration: none;
            transition: all 0.3s ease;
            display: inline-block;
        }
        
        .btn-learn-more:hover {
            color: var(--accent-red);
            padding-left: 5px;
        }
        
        /* === CALCULATOR SECTION === */
        .calculator-section {
            padding: 80px 0;
            background: linear-gradient(135deg, var(--primary-blue) 0%, var(--secondary-blue) 100%);
            color: var(--white);
        }
        
        .calculator-card {
            background: var(--white);
            border-radius: 20px;
            padding: 3rem;
            box-shadow: 0 20px 60px rgba(0,0,0,0.2);
        }
        
        .calculator-card h3 {
            color: var(--primary-blue);
            font-weight: 700;
            margin-bottom: 2rem;
            font-size: 1.8rem;
        }
        
        .form-label {
            color: var(--text-dark);
            font-weight: 600;
            margin-bottom: 0.5rem;
        }
        
        .form-control, .form-select {
            border-radius: 10px;
            border: 2px solid #E9ECEF;
            padding: 0.75rem 1rem;
            font-size: 1rem;
        }
        
        .form-control:focus, .form-select:focus {
            border-color: var(--primary-blue);
            box-shadow: 0 0 0 0.2rem rgba(0,76,143,0.15);
        }
        
        .result-box {
            background: var(--light-blue);
            border-radius: 15px;
            padding: 2rem;
            text-align: center;
            margin-top: 2rem;
        }
        
        .result-box h4 {
            color: var(--primary-blue);
            font-size: 1.2rem;
            margin-bottom: 0.5rem;
        }
        
        .result-box .amount {
            font-size: 2.5rem;
            font-weight: 700;
            color: var(--accent-red);
        }
        
        /* === TESTIMONIALS === */
        .testimonials-section {
            padding: 80px 0;
            background: var(--white);
        }
        
        .testimonial-card {
            background: var(--light-gray);
            border-radius: 15px;
            padding: 2.5rem;
            margin: 1rem;
            position: relative;
            transition: all 0.3s ease;
        }
        
        .testimonial-card:hover {
            transform: translateY(-5px);
            box-shadow: 0 10px 30px rgba(0,76,143,0.1);
        }
        
        .quote-icon {
            font-size: 3rem;
            color: var(--primary-blue);
            opacity: 0.2;
            position: absolute;
            top: 20px;
            left: 25px;
        }
        
        .testimonial-text {
            font-style: italic;
            color: var(--text-dark);
            margin-bottom: 1.5rem;
            line-height: 1.7;
            position: relative;
            z-index: 1;
        }
        
        .testimonial-author {
            display: flex;
            align-items: center;
            gap: 1rem;
        }
        
        .author-avatar {
            width: 60px;
            height: 60px;
            border-radius: 50%;
            background: var(--primary-blue);
            color: var(--white);
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 1.5rem;
            font-weight: 600;
        }
        
        .author-info h5 {
            margin: 0;
            font-size: 1.1rem;
            color: var(--text-dark);
            font-weight: 600;
        }
        
        .author-info p {
            margin: 0;
            color: var(--text-light);
            font-size: 0.9rem;
        }
        
        .rating {
            color: #FFC107;
            font-size: 0.9rem;
        }
        
        /* === STATS SECTION === */
        .stats-section {
            padding: 60px 0;
            background: linear-gradient(135deg, var(--primary-blue) 0%, var(--secondary-blue) 100%);
            color: var(--white);
        }
        
        .stat-item {
            text-align: center;
            padding: 1.5rem;
        }
        
        .stat-number {
            font-size: 3rem;
            font-weight: 700;
            margin-bottom: 0.5rem;
            display: block;
        }
        
        .stat-label {
            font-size: 1.1rem;
            opacity: 0.95;
        }
        
        /* === CTA SECTION === */
        .cta-section {
            padding: 80px 0;
            background: var(--light-gray);
        }
        
        .cta-box {
            background: linear-gradient(135deg, var(--primary-blue) 0%, var(--secondary-blue) 100%);
            border-radius: 20px;
            padding: 4rem 3rem;
            text-align: center;
            color: var(--white);
            position: relative;
            overflow: hidden;
        }
        
        .cta-box::before {
            content: '';
            position: absolute;
            top: -50%;
            right: -10%;
            width: 400px;
            height: 400px;
            background: rgba(255,255,255,0.1);
            border-radius: 50%;
        }
        
        .cta-box h2 {
            font-size: 2.5rem;
            font-weight: 700;
            margin-bottom: 1rem;
            position: relative;
            z-index: 1;
        }
        
        .cta-box p {
            font-size: 1.2rem;
            margin-bottom: 2rem;
            opacity: 0.95;
            position: relative;
            z-index: 1;
        }
        
        .cta-box .btn {
            position: relative;
            z-index: 1;
        }
        
        /* === FOOTER === */
        .footer {
            background: var(--dark-blue);
            color: rgba(255,255,255,0.8);
            padding: 60px 0 30px;
        }
        
        .footer h5 {
            color: var(--white);
            font-weight: 600;
            margin-bottom: 1.5rem;
            font-size: 1.2rem;
        }
        
        .footer-links {
            list-style: none;
            padding: 0;
        }
        
        .footer-links li {
            margin-bottom: 0.8rem;
        }
        
        .footer-links a {
            color: rgba(255,255,255,0.7);
            text-decoration: none;
            transition: color 0.3s ease;
            font-size: 0.95rem;
        }
        
        .footer-links a:hover {
            color: var(--white);
            padding-left: 5px;
        }
        
        .social-links a {
            display: inline-block;
            width: 40px;
            height: 40px;
            background: rgba(255,255,255,0.1);
            border-radius: 50%;
            text-align: center;
            line-height: 40px;
            color: var(--white);
            margin-right: 0.5rem;
            transition: all 0.3s ease;
        }
        
        .social-links a:hover {
            background: var(--accent-red);
            transform: translateY(-3px);
        }
        
        .footer-bottom {
            border-top: 1px solid rgba(255,255,255,0.1);
            margin-top: 3rem;
            padding-top: 2rem;
            text-align: center;
        }
        
        /* === RESPONSIVE === */
        @media (max-width: 768px) {
            .hero-section h1 {
                font-size: 2.5rem;
            }
            
            .hero-section p {
                font-size: 1.1rem;
            }
            
            .section-title h2 {
                font-size: 2rem;
            }
            
            .stat-number {
                font-size: 2.5rem;
            }
            
            .cta-box h2 {
                font-size: 2rem;
            }
            
            .calculator-card {
                padding: 2rem;
            }
        }
        
        /* === UTILITY CLASSES === */
        .text-primary-custom {
            color: var(--primary-blue) !important;
        }
        
        .bg-primary-custom {
            background-color: var(--primary-blue) !important;
        }
        
        .text-accent {
            color: var(--accent-red) !important;
        }