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

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    line-height: 1.6;
    color: #333;
    background: #fff;
}

header {
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    color: white;
    padding: 0.75rem 0;
    position: sticky;
    top: 0;
    z-index: 10;
    box-shadow: 0 2px 8px rgba(0,0,0,0.12);
}

nav {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    padding: 0 1.5rem;
    flex-wrap: wrap;
}

nav h1 {
    font-size: 1.4rem;
    line-height: 1.2;
    flex: 1 1 100%;
}

nav ul {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    justify-content: center;
    width: 100%;
}

nav a {
    color: white;
    text-decoration: none;
    transition: opacity 0.3s;
    font-weight: 600;
}

nav a:hover {
    opacity: 0.8;
}

.hero {
    background-image: url('img/cdalake.jpg');
    background-size: cover;
    background-position: center;
    color: white;
    padding: 7rem 1.5rem 6rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.35);
}

.hero h2,
.hero p,
.hero .btn {
    position: relative;
    z-index: 1;
}

.hero h2 {
    font-size: 2.6rem;
    margin-bottom: 1rem;
}

.hero p {
    font-size: 1.15rem;
    margin: 0 auto 2rem;
    max-width: 36rem;
}

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

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.85rem 2rem;
    min-width: 160px;
    background: #fff;
    color: #667eea;
    text-decoration: none;
    border-radius: 999px;
    font-weight: bold;
    transition: transform 0.3s, box-shadow 0.3s;
}

.btn:hover {
    transform: scale(1.05);
    box-shadow: 0 12px 24px rgba(102, 126, 234, 0.2);
}

.btn-secondary {
    background: #293d77;
    color: white;
}

.btn-secondary:hover {
    transform: scale(1.05);
    box-shadow: 0 12px 24px rgba(0, 0, 0, 0.22);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 2rem 1.5rem;
}

.section-title {
    text-align: center;
    margin-bottom: 2.5rem;
    font-size: 2rem;
    color: #222;
}

.about-content {
    display: grid;
    grid-template-columns: minmax(280px, 320px) 1fr;
    gap: 2rem;
    align-items: center;
    justify-content: center;
}

.about-image {
    width: 100%;
    max-width: 320px;
    height: auto;
    display: block;
    border-radius: 1.5rem;
    object-fit: cover;
    box-shadow: 0 18px 40px rgba(0, 0, 0, 0.16);
    border: 4px solid rgba(255, 255, 255, 0.92);
}

.about-text p {
    margin-bottom: 1.2rem;
    color: #444;
    line-height: 1.8;
}

@media (max-width: 840px) {
    .about-content {
        grid-template-columns: 1fr;
    }
    .about-image {
        max-width: 100%;
        margin: 0 auto;
    }
}

.services {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 1.5rem;
    margin: 3rem 0;
}

.service-card {
    background: #f9f9f9;
    padding: 1.75rem;
    border-radius: 12px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.08);
    text-align: center;
}

.service-image {
    width: 100%;
    height: 200px;
    object-fit: cover;
    border-radius: 1rem;
    margin-bottom: 1rem;
    display: block;
}

.service-card h3 {
    color: #667eea;
    margin-bottom: 1rem;
}

.service-card p {
    color: #555;
    line-height: 1.75;
}

.contact-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 1.5rem;
    margin-top: 2rem;
}

.contact-card {
    background: #f9f9f9;
    padding: 1.5rem;
    border-radius: 12px;
    min-width: 220px;
    flex: 1 1 220px;
    max-width: 280px;
    text-align: center;
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.06);
}

.contact-card.contact-card-wide {
    min-width: 260px;
    flex: 1 1 260px;
    max-width: 340px;
}

.contact-card h3 {
    margin-bottom: 0.75rem;
    color: #667eea;
}

.contact-card a {
    color: #667eea;
    text-decoration: none;
    word-break: break-word;
}

footer {
    background: #333;
    color: white;
    text-align: center;
    padding: 2rem 1.5rem;
    margin-top: 3rem;
    font-size: 0.95rem;
}

.admin-login {
    margin-top: 0.75rem;
    font-size: 0.8rem;
    opacity: 0.65;
}

.admin-login a {
    color: rgba(255, 255, 255, 0.75);
    text-decoration: none;
}

.admin-login a:hover {
    opacity: 1;
}

@media (max-width: 900px) {
    .hero {
        padding: 4rem 1.25rem 3.5rem;
    }
    .hero h2 {
        font-size: 2.25rem;
    }
    .hero p {
        font-size: 1rem;
    }
    nav {
        justify-content: center;
    }
    nav h1 {
        flex: 1 1 100%;
        text-align: center;
    }
}

@media (max-width: 640px) {
    nav {
        padding: 0 1rem;
    }
    nav ul {
        gap: 0.75rem;
    }
    .hero {
        padding: 3rem 1rem 2.5rem;
    }
    .hero h2 {
        font-size: 1.95rem;
    }
    .hero p {
        font-size: 0.98rem;
    }
    .container {
        padding: 1.25rem;
    }
    .section-title {
        font-size: 1.6rem;
    }
    .service-card {
        padding: 1.35rem;
    }
    .contact-card {
        max-width: 100%;
    }
}

.modal {
    position: fixed;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(0, 0, 0, 0.65);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.25s ease;
    z-index: 100;
}

.modal.open {
    opacity: 1;
    pointer-events: auto;
}

.modal-content {
    width: min(560px, 100%);
    background: #fff;
    border-radius: 18px;
    padding: 2rem;
    box-shadow: 0 24px 48px rgba(0, 0, 0, 0.22);
    position: relative;
    max-height: 90vh;
    overflow-y: auto;
}

.modal-close {
    position: absolute;
    top: 1rem;
    right: 1rem;
    background: transparent;
    border: none;
    font-size: 1.6rem;
    color: #333;
    cursor: pointer;
}

#loan-form {
    display: grid;
    gap: 1rem;
    margin-top: 1rem;
}

#loan-form label {
    font-weight: 600;
    color: #333;
}

#loan-form input,
#loan-form select,
#loan-form textarea,
input[type="text"],
input[type="email"],
input[type="tel"],
input[type="password"] {
    width: 100%;
    border: 1px solid #d5d7dc;
    border-radius: 10px;
    padding: 0.9rem 1rem;
    font: inherit;
    color: #2d2d2d;
    background: #fafafa;
}

#loan-form textarea,
textarea {
    min-height: 110px;
    resize: vertical;
}

#loan-form button.btn,
button.btn {
    width: 100%;
    margin-top: 0.5rem;
}

body.modal-open {
    overflow: hidden;
}