:root {
    --gold: #d7a62b;
    --gold-light: #f2ce68;
    --gold-dark: #9f7414;

    --silver: #c7c9cc;
    --silver-light: #f4f5f6;
    --silver-dark: #777b80;

    --black: #090909;
    --black-soft: #111214;
    --charcoal: #191a1d;

    --white: #ffffff;
    --off-white: #f7f7f7;

    --text: #171717;
    --muted: #707070;
    --border: #e3e3e3;

    --success: #2f9e64;
    --warning: #d7a62b;
    --danger: #b94444;

    --radius: 14px;
    --radius-small: 8px;

    --shadow: 0 10px 35px rgba(0,0,0,.10);
    --shadow-dark: 0 15px 50px rgba(0,0,0,.35);
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family:
        Inter,
        -apple-system,
        BlinkMacSystemFont,
        "Segoe UI",
        Arial,
        sans-serif;
    color: var(--text);
    background: var(--off-white);
}

a {
    color: inherit;
    text-decoration: none;
}

button,
input,
select,
textarea {
    font: inherit;
}

/* =========================
   TOP NAVIGATION
========================= */

.invar-header {
    width: 100%;
    height: 76px;
    background:
        linear-gradient(
            90deg,
            #060606,
            #111214 55%,
            #080808
        );
    border-bottom: 1px solid rgba(215,166,43,.35);

    display: flex;
    align-items: center;
    position: relative;
    z-index: 100;
}

.invar-nav {
    width: min(1440px, 94%);
    margin: auto;

    display: flex;
    align-items: center;
    justify-content: space-between;
}

.brand {
    display: flex;
    align-items: center;
    gap: 12px;
    color: white;
}

.brand-logo {
    width: 55px;
    height: 55px;
    object-fit: contain;
}

.brand-title {
    line-height: 1;
}

.brand-title strong {
    display: block;
    letter-spacing: 4px;
    color: var(--gold-light);
    font-size: 16px;
}

.brand-title span {
    display: block;
    margin-top: 5px;
    letter-spacing: 4px;
    color: var(--silver);
    font-size: 13px;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 30px;
}

.nav-links a {
    color: #f2f2f2;
    font-size: 13px;
    font-weight: 600;
    transition: .2s;
}

.nav-links a:hover {
    color: var(--gold-light);
}

.nav-links .active {
    color: var(--gold-light);
}

.btn-gold {
    border: none;
    cursor: pointer;

    background:
        linear-gradient(
            135deg,
            var(--gold-light),
            var(--gold),
            var(--gold-dark)
        );

    color: #111;
    font-weight: 700;

    padding: 13px 25px;
    border-radius: 6px;

    box-shadow: 0 4px 14px rgba(215,166,43,.28);

    transition: .2s;
}

.btn-gold:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 22px rgba(215,166,43,.40);
}

.btn-outline {
    background: transparent;
    border: 1px solid var(--gold);
    color: white;
    padding: 12px 24px;
    border-radius: 6px;
    cursor: pointer;
    font-weight: 700;
}

.btn-outline:hover {
    background: var(--gold);
    color: #111;
}

/* =========================
   HERO
========================= */

.hero {
    position: relative;
    min-height: 560px;
    color: white;

    background:
        radial-gradient(
            circle at 70% 20%,
            rgba(215,166,43,.18),
            transparent 35%
        ),
        linear-gradient(
            110deg,
            rgba(0,0,0,.97) 10%,
            rgba(12,12,12,.94) 48%,
            rgba(26,26,26,.80)
        );

    overflow: hidden;
}

.hero::after {
    content: "";
    position: absolute;
    inset: 0;

    background:
        linear-gradient(
            180deg,
            transparent 65%,
            rgba(0,0,0,.5)
        );

    pointer-events: none;
}

.hero-content {
    width: min(1440px, 92%);
    margin: auto;

    min-height: 560px;

    display: grid;
    grid-template-columns: 1.05fr .95fr;
    align-items: center;
    gap: 50px;

    position: relative;
    z-index: 2;
}

.hero-copy h1 {
    font-size: clamp(45px, 5vw, 76px);
    line-height: .99;
    margin: 0 0 25px;
    letter-spacing: -2px;
}

.hero-copy h1 span {
    color: var(--gold-light);
}

.hero-copy p {
    font-size: 20px;
    color: #d5d5d5;
    max-width: 620px;
    line-height: 1.6;
}

.hero-actions {
    display: flex;
    gap: 18px;
    margin-top: 35px;
}

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

.hero-art img {
    max-width: 530px;
    width: 100%;
    filter: drop-shadow(0 25px 45px rgba(0,0,0,.7));
}

/* =========================
   BENEFITS
========================= */

.benefit-section {
    margin-top: -50px;
    position: relative;
    z-index: 5;
}

.benefit-grid {
    width: min(1350px, 92%);
    margin: auto;

    background: white;
    border-radius: var(--radius);
    box-shadow: var(--shadow);

    display: grid;
    grid-template-columns: repeat(4, 1fr);

    overflow: hidden;
}

.benefit {
    padding: 35px 25px;
    text-align: center;
    border-right: 1px solid var(--border);
}

.benefit:last-child {
    border-right: 0;
}

.benefit-icon {
    font-size: 32px;
    color: var(--gold-dark);
    margin-bottom: 14px;
}

.benefit h3 {
    margin: 5px 0 9px;
    font-size: 14px;
}

.benefit p {
    margin: 0;
    font-size: 13px;
    color: var(--muted);
    line-height: 1.5;
}

/* =========================
   GENERAL SECTIONS
========================= */

.section {
    padding: 90px 0;
}

.container {
    width: min(1320px, 92%);
    margin: auto;
}

.section-title {
    text-align: center;
    margin-bottom: 50px;
}

.section-title span {
    color: var(--gold-dark);
    text-transform: uppercase;
    letter-spacing: 3px;
    font-weight: 700;
    font-size: 12px;
}

.section-title h2 {
    font-size: 38px;
    margin: 10px 0;
}

.section-title p {
    color: var(--muted);
}

/* =========================
   FORM
========================= */

.page-banner {
    position: relative;
    overflow: hidden;

    background:
        linear-gradient(
            120deg,
            #ffffff 0%,
            #ffffff 64%,
            #d7a62b 64.1%,
            #8c6818 66%,
            #111 66.1%,
            #171717 100%
        );

    padding: 50px 0;
}

.page-banner h1 {
    font-size: 40px;
    margin: 0;
}

.page-banner h1 span {
    color: var(--gold-dark);
}

.page-banner p {
    color: var(--muted);
}

.form-wrapper {
    display: grid;
    grid-template-columns: 1fr 310px;
    gap: 30px;

    margin-top: 35px;
    margin-bottom: 60px;
}

.form-card {
    background: white;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 35px;
    box-shadow: var(--shadow);
}

.form-card h2 {
    margin-top: 0;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 22px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 7px;
}

.form-group.full {
    grid-column: 1 / -1;
}

.form-group label {
    font-size: 13px;
    font-weight: 700;
}

.form-group input,
.form-group select,
.form-group textarea {
    border: 1px solid #d8d8d8;
    border-radius: 7px;

    padding: 14px 15px;
    outline: none;

    background: #fff;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(215,166,43,.12);
}

.form-actions {
    margin-top: 30px;
    display: flex;
    justify-content: flex-end;
}

.progress {
    display: flex;
    justify-content: space-between;
    margin-bottom: 35px;
}

.progress-step {
    flex: 1;
    text-align: center;
    color: #999;
    position: relative;
}

.progress-step:not(:last-child)::after {
    content: "";
    position: absolute;
    top: 15px;
    left: 60%;
    right: -40%;
    height: 2px;
    background: #ddd;
}

.progress-number {
    width: 31px;
    height: 31px;
    margin: auto auto 8px;

    display: grid;
    place-items: center;

    border-radius: 50%;
    background: #eee;
    font-size: 12px;
    font-weight: 700;
}

.progress-step.active {
    color: var(--gold-dark);
}

.progress-step.active .progress-number {
    background: var(--gold);
    color: white;
}

.side-card {
    background: white;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 20px;
}

.side-card h3 {
    margin-top: 0;
}

.side-benefit {
    display: flex;
    gap: 12px;
    margin: 20px 0;
}

.side-benefit strong {
    display: block;
    font-size: 13px;
}

.side-benefit span {
    color: var(--muted);
    font-size: 12px;
}

/* =========================
   ADMIN
========================= */

.admin-body {
    background: #f6f6f6;
}

.admin-layout {
    display: grid;
    grid-template-columns: 245px 1fr;
    min-height: 100vh;
}

.sidebar {
    background:
        linear-gradient(
            180deg,
            #080808,
            #171717
        );

    color: white;
    min-height: 100vh;

    position: sticky;
    top: 0;
}

.sidebar-brand {
    height: 80px;
    padding: 15px 20px;

    display: flex;
    align-items: center;
    gap: 10px;

    border-bottom: 1px solid rgba(255,255,255,.08);
}

.sidebar-brand img {
    width: 48px;
}

.sidebar-menu {
    padding: 18px 10px;
}

.sidebar-menu a {
    display: flex;
    align-items: center;
    gap: 12px;

    padding: 13px 15px;
    margin-bottom: 4px;

    border-radius: 7px;
    color: #ddd;
    font-size: 14px;
}

.sidebar-menu a:hover {
    background: rgba(255,255,255,.06);
}

.sidebar-menu a.active {
    color: #111;

    background:
        linear-gradient(
            90deg,
            var(--gold),
            var(--gold-light)
        );
}

.admin-main {
    min-width: 0;
}

.admin-topbar {
    height: 80px;
    background: white;

    display: flex;
    align-items: center;
    justify-content: space-between;

    padding: 0 35px;

    border-bottom: 1px solid #e4e4e4;
}

.admin-content {
    padding: 35px;
}

.stat-grid {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 20px;
}

.stat-card {
    background: white;
    padding: 22px;
    border-radius: 10px;
    border: 1px solid #e6e6e6;
}

.stat-card span {
    color: var(--muted);
    font-size: 12px;
    text-transform: uppercase;
}

.stat-card strong {
    display: block;
    margin: 8px 0;
    font-size: 27px;
}

.stat-card a {
    color: var(--gold-dark);
    font-size: 12px;
}

.dashboard-grid {
    margin-top: 25px;

    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 25px;
}

.dashboard-card {
    background: white;
    border: 1px solid #e4e4e4;
    border-radius: 10px;
    padding: 25px;
}

.activity-item {
    display: flex;
    justify-content: space-between;
    gap: 20px;

    border-bottom: 1px solid #eee;
    padding: 15px 0;
}

.activity-item:last-child {
    border-bottom: none;
}

.activity-item span {
    color: #888;
    font-size: 12px;
}

/* =========================
   LOAN PORTAL
========================= */

.loan-dashboard {
    background: #f7f7f7;
    min-height: 100vh;
}

.loan-content {
    padding: 45px 0 70px;
}

.loan-grid {
    display: grid;
    grid-template-columns: 1fr 310px;
    gap: 25px;
}

.summary-grid {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 15px;
}

.summary-card {
    background: white;
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 25px;
}

.summary-card span {
    font-size: 12px;
    text-transform: uppercase;
    color: var(--gold-dark);
}

.summary-card strong {
    display: block;
    margin-top: 10px;
    font-size: 25px;
}

.repayment-card {
    background: white;
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 30px;
    margin-top: 20px;
}

.progress-bar {
    height: 9px;
    background: #e8e8e8;
    border-radius: 20px;
    overflow: hidden;
    margin: 22px 0;
}

.progress-bar > div {
    width: 50%;
    height: 100%;
    background:
        linear-gradient(
            90deg,
            var(--gold-dark),
            var(--gold-light)
        );
}

/* =========================
   FOOTER
========================= */

.footer {
    background: #090909;
    color: #ddd;
    padding: 35px 0;
    border-top: 1px solid rgba(215,166,43,.3);
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 20px;
}

.footer strong {
    color: var(--gold-light);
    display: block;
    margin-bottom: 5px;
}

.footer span {
    font-size: 13px;
}

/* =========================
   RESPONSIVE
========================= */

@media(max-width: 1000px) {

    .nav-links {
        display: none;
    }

    .hero-content {
        grid-template-columns: 1fr;
        text-align: center;
        padding: 70px 0;
    }

    .hero-copy p {
        margin-left: auto;
        margin-right: auto;
    }

    .hero-actions {
        justify-content: center;
    }

    .benefit-grid {
        grid-template-columns: repeat(2,1fr);
    }

    .form-wrapper,
    .loan-grid {
        grid-template-columns: 1fr;
    }

    .stat-grid {
        grid-template-columns: repeat(2,1fr);
    }

    .dashboard-grid {
        grid-template-columns: 1fr;
    }

}

@media(max-width: 700px) {

    .brand-title {
        display: none;
    }

    .hero-copy h1 {
        font-size: 46px;
    }

    .benefit-grid {
        grid-template-columns: 1fr;
    }

    .form-grid {
        grid-template-columns: 1fr;
    }

    .form-group.full {
        grid-column: auto;
    }

    .summary-grid,
    .stat-grid,
    .footer-grid {
        grid-template-columns: 1fr;
    }

    .admin-layout {
        grid-template-columns: 1fr;
    }

    .sidebar {
        display: none;
    }

    .admin-content {
        padding: 20px;
    }

    .page-banner {
        background: white;
    }
}