/* ===== Star Life Financial Service - Global Styles ===== */
:root{
  --navy:#1F3A6D;
  --navy-dark:#15294d;
  --gold:#C89B3C;
  --gold-dark:#A67C2A;
  --white:#ffffff;
  --light:#F5F7FA;
  --gray:#6b7280;
  --text:#1f2937;
  --border:#e5e7eb;
  --shadow:0 10px 30px rgba(15,23,42,.08);
  --radius:10px;
  --container:1200px;
  --transition:all .3s ease;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Segoe UI','Helvetica Neue',Arial,sans-serif;
  color:var(--text);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{max-width:var(--container);margin:0 auto;padding:0 20px}
.section{padding:80px 0}
.section-alt{background:var(--light)}
.section-title{
  font-size:2.2rem;color:var(--navy);text-align:center;
  margin-bottom:14px;font-weight:700;letter-spacing:.3px;
}
.section-sub{
  text-align:center;color:var(--gray);max-width:720px;
  margin:0 auto 50px;font-size:1.05rem;
}

/* ===== Buttons ===== */
.btn{
  display:inline-block;padding:13px 32px;
  background:var(--gold);color:var(--white);
  border:none;border-radius:var(--radius);
  font-weight:600;font-size:1rem;cursor:pointer;
  transition:var(--transition);letter-spacing:.4px;
  box-shadow:0 6px 18px rgba(200,155,60,.35);
}
.btn:hover{background:var(--gold-dark);transform:translateY(-2px);box-shadow:0 10px 22px rgba(166,124,42,.45)}
.btn-outline{
  background:transparent;color:var(--white);
  border:2px solid var(--white);box-shadow:none;
}
.btn-outline:hover{background:var(--white);color:var(--navy)}

/* ===== Header ===== */
.site-header{
  position:sticky;top:0;left:0;width:100%;z-index:1000;
  background:var(--white);color:var(--navy);
  box-shadow:0 2px 12px rgba(15,23,42,.08);
  border-bottom:1px solid var(--border);
}
.header-top{
  background:var(--navy-dark);font-size:.85rem;
  padding:8px 0;color:#dbe2f0;
}
.header-top .container{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
.header-top a{color:#dbe2f0;margin-right:14px;transition:var(--transition)}
.header-top a:hover{color:var(--gold)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px}
.brand-img{height:80px;width:200px;display:block}

.main-nav{display:flex;align-items:center;gap:6px}
.main-nav > ul{display:flex;list-style:none;gap:4px;align-items:center}
.main-nav > ul > li{position:relative}
.main-nav a{
  display:block;padding:12px 16px;color:var(--navy);
  font-weight:500;font-size:.95rem;border-radius:6px;
  transition:var(--transition);
}
.main-nav a:hover,.main-nav a.active{color:var(--gold-dark)}
.has-mega > a::after{content:" ▾";font-size:.7rem;color:var(--gold)}

/* Mega menu */
.mega{
  position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(10px);
  background:#fff;color:var(--text);
  min-width:560px;padding:24px;border-radius:12px;
  box-shadow:0 20px 50px rgba(0,0,0,.18);
  display:grid;grid-template-columns:1fr 1fr;gap:8px 24px;
  opacity:0;visibility:hidden;transition:var(--transition);
  border-top:3px solid var(--gold);
}
.has-mega:hover .mega,.has-mega:focus-within .mega{
  opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);
}
.mega a{
  padding:12px 14px;color:var(--navy);font-weight:500;
  border-radius:8px;display:flex;align-items:center;gap:10px;
}
.mega a:hover{background:var(--light);color:var(--gold-dark)}
.mega a::before{content:"●";color:var(--gold);font-size:.6rem}

.menu-toggle{
  display:none;background:transparent;border:none;color:var(--navy);
  font-size:1.6rem;cursor:pointer;padding:6px 10px;
}

/* ===== Hero ===== */
.hero{
  background:linear-gradient(135deg,rgba(31,58,109,.92),rgba(21,41,77,.92)),
    url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1600&q=80') center/cover no-repeat;
  color:#fff;padding:110px 0;text-align:center;
}
.hero h1{font-size:3rem;line-height:1.15;margin-bottom:18px;font-weight:700}
.hero h1 span{color:var(--gold)}
.hero p{max-width:760px;margin:0 auto 30px;font-size:1.15rem;color:#e6ebf5}
.hero-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* Page banner */
.page-banner{
  background:linear-gradient(135deg,rgba(31,58,109,.92),rgba(21,41,77,.92)),
    url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1600&q=80') center/cover no-repeat;
  color:#fff;padding:80px 0;text-align:center;
}
.page-banner h1{font-size:2.4rem;margin-bottom:10px}
.page-banner p{color:#e6ebf5}

.breadcrumb{
  background:var(--light);padding:14px 0;font-size:.9rem;color:var(--gray);
  border-bottom:1px solid var(--border);
}
.breadcrumb a{color:var(--navy);font-weight:500}
.breadcrumb a:hover{color:var(--gold-dark)}
.breadcrumb span{margin:0 8px;color:var(--gold)}

/* ===== Loan grid ===== */
.grid{display:grid;gap:26px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}

.card{
  background:#fff;border-radius:14px;padding:28px;
  border:1px solid var(--border);
  transition:var(--transition);
  box-shadow:0 4px 16px rgba(15,23,42,.04);
  display:flex;flex-direction:column;height:100%;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:var(--gold)}
.card-icon{
  width:60px;height:60px;border-radius:14px;
  background:linear-gradient(135deg,var(--navy),var(--navy-dark));
  color:var(--gold);display:flex;align-items:center;justify-content:center;
  font-size:1.6rem;margin-bottom:18px;font-weight:700;
}
.card h3{color:var(--navy);font-size:1.25rem;margin-bottom:10px}
.card p{color:var(--gray);margin-bottom:16px;flex:1}
.card .link{color:var(--gold-dark);font-weight:600;font-size:.95rem}
.card .link:hover{color:var(--navy)}

/* Stats */
.stats{
  background:var(--navy);color:#fff;padding:60px 0;
}
.stats .grid-4{gap:20px}
.stat{text-align:center}
.stat .num{font-size:2.4rem;color:var(--gold);font-weight:700}
.stat .label{color:#dbe2f0;margin-top:4px;font-size:.95rem}

/* CTA */
.cta-band{
  background:linear-gradient(135deg,var(--navy),var(--navy-dark));
  color:#fff;padding:70px 0;text-align:center;
}
.cta-band h2{font-size:2rem;margin-bottom:12px}
.cta-band p{color:#dbe2f0;margin-bottom:24px}

/* About / content */
.content-2col{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center}
.content-2col h2{color:var(--navy);font-size:2rem;margin-bottom:16px}
.content-2col p{color:var(--gray);margin-bottom:14px}
.content-img{
  border-radius:16px;overflow:hidden;box-shadow:var(--shadow);
  height:380px;background:linear-gradient(135deg,var(--navy),var(--gold));
  display:flex;align-items:center;justify-content:center;color:#fff;font-size:4rem;font-weight:700;
}

/* Lists */
.list-check{list-style:none;display:grid;gap:12px}
.list-check li{
  position:relative;padding-left:32px;color:var(--text);
}
.list-check li::before{
  content:"✓";position:absolute;left:0;top:0;
  width:22px;height:22px;border-radius:50%;
  background:var(--gold);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-size:.8rem;font-weight:700;
}

/* Process steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:step}
.step{
  background:#fff;padding:28px 22px;border-radius:14px;
  border:1px solid var(--border);text-align:center;
  position:relative;counter-increment:step;
}
.step::before{
  content:counter(step,decimal-leading-zero);
  display:block;font-size:1.6rem;color:var(--gold);
  font-weight:700;margin-bottom:10px;
}
.step h4{color:var(--navy);margin-bottom:8px}
.step p{color:var(--gray);font-size:.95rem}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.contact-info{
  background:var(--navy);color:#fff;padding:36px;border-radius:14px;
}
.contact-info h3{color:var(--gold);margin-bottom:18px;font-size:1.4rem}
.contact-info .item{display:flex;gap:14px;margin-bottom:18px;align-items:flex-start}
.contact-info .item .ico{
  width:42px;height:42px;border-radius:10px;background:var(--gold);
  color:var(--navy);display:flex;align-items:center;justify-content:center;
  font-weight:700;flex-shrink:0;
}
.contact-info a{color:#fff}
.contact-info a:hover{color:var(--gold)}

.form{background:#fff;padding:36px;border-radius:14px;border:1px solid var(--border);box-shadow:var(--shadow)}
.form h3{color:var(--navy);margin-bottom:18px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form input,.form select,.form textarea{
  width:100%;padding:12px 14px;border:1px solid var(--border);
  border-radius:8px;font-size:.95rem;font-family:inherit;
  margin-bottom:14px;transition:var(--transition);background:#fff;
}
.form input:focus,.form select:focus,.form textarea:focus{
  outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,155,60,.15);
}
.form textarea{min-height:120px;resize:vertical}
.form .btn{width:100%}
.form-msg{margin-top:14px;padding:12px;border-radius:8px;display:none;font-weight:500}
.form-msg.show{display:block}
.form-msg.ok{background:#dcfce7;color:#166534}

/* ===== Footer ===== */
.site-footer{background:var(--navy);color:#cfd6e6;padding-top:60px;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}
.footer-col h4{color:var(--gold);margin-bottom:18px;font-size:1.05rem;letter-spacing:.5px}
.footer-col p{color:#cfd6e6;margin-bottom:12px;font-size:.95rem}
.footer-col ul{list-style:none;display:grid;gap:10px}
.footer-col a{color:#cfd6e6;font-size:.95rem;transition:var(--transition)}
.footer-col a:hover{color:var(--gold);padding-left:4px}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);margin-top:40px;
  padding:20px 0;text-align:center;color:#9aa6c2;font-size:.9rem;
}
.footer-bottom strong{color:var(--gold)}

/* ===== Responsive ===== */
@media (max-width:992px){
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .content-2col{grid-template-columns:1fr;gap:30px}
  .content-img{height:280px}
  .hero h1{font-size:2.3rem}
  .section-title{font-size:1.8rem}
}
@media (max-width:768px){
  .menu-toggle{display:block}
  .main-nav{
    position:absolute;top:100%;left:0;right:0;
    background:var(--white);
    border-top:1px solid var(--border);
    box-shadow:0 12px 24px rgba(15,23,42,.08);
    flex-direction:column;align-items:stretch;
    max-height:0;overflow:hidden;transition:max-height .4s ease;
  }
  .main-nav.open{max-height:80vh;overflow-y:auto}
  .main-nav > ul{flex-direction:column;width:100%;gap:0;padding:10px 0}
  .main-nav > ul > li{width:100%;border-bottom:1px solid var(--border)}
  .main-nav a{padding:14px 20px;border-radius:0}
  .mega{
    position:static;transform:none;opacity:1;visibility:visible;
    display:none;min-width:auto;grid-template-columns:1fr;
    box-shadow:none;background:var(--light);
    border-radius:0;border:none;padding:6px 12px;
  }
  .has-mega.open .mega{display:grid}
  .mega a{color:var(--navy);padding:12px 16px}
  .mega a:hover{background:#fff;color:var(--gold-dark)}
  .has-mega > a::after{content:" +";color:var(--gold)}
  .has-mega.open > a::after{content:" −"}

  .hero{padding:80px 0}
  .hero h1{font-size:1.9rem}
  .hero p{font-size:1rem}
  .section{padding:60px 0}
  .grid-3,.grid-4,.grid-2{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .form .row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .header-top{font-size:.78rem}
  .header-top .container{justify-content:center;text-align:center}
  .header-top a{margin-right:8px}
  .page-banner h1{font-size:1.7rem}
}
@media (max-width:480px){
  .brand-img{height:44px}
  .hero h1{font-size:1.6rem}
  .btn{padding:11px 22px;font-size:.95rem}
  .stat .num{font-size:1.8rem}
}