* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  font-family: Arial, Helvetica, sans-serif;
}

body {
  background: #f8fafc;
  color: #1e293b;
}

header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #0f172a;
  color: white;
  padding: 18px 40px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.logo {
  font-size: 23px;
  font-weight: bold;
}

nav a {
  color: white;
  text-decoration: none;
  margin-left: 22px;
  font-weight: bold;
}

nav a:hover {
  color: #38bdf8;
}

.section {
  min-height: 120vh;
  padding: 90px 60px;
}

.hero {
  background: linear-gradient(120deg, #1e3a8a, #0284c7);
  color: white;
}

.alt {
  background: #e2e8f0;
}

.contact {
  background: linear-gradient(120deg, #334155, #0f172a);
  color: white;
}

h1 {
  font-size: 50px;
  margin-bottom: 25px;
}

h2 {
  font-size: 34px;
  margin-top: 35px;
  margin-bottom: 18px;
}

h3 {
  margin-bottom: 12px;
}

p {
  font-size: 18px;
  line-height: 1.8;
  margin-bottom: 18px;
  max-width: 1000px;
}

.cards,
.loan-grid,
.eligibility-grid {
  display: grid;
  gap: 24px;
  margin: 35px 0;
}

.cards,
.loan-grid {
  grid-template-columns: repeat(3, 1fr);
}

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

.card,
.loan-box,
.eligibility-box,
.support-info {
  background: white;
  color: #1e293b;
  padding: 28px;
  border-radius: 14px;
  box-shadow: 0 4px 14px rgba(0,0,0,0.1);
}

.rate {
  font-size: 28px;
  color: #16a34a;
  font-weight: bold;
}

.btn {
  display: inline-block;
  margin-top: 25px;
  background: #facc15;
  color: #111827;
  padding: 14px 24px;
  border-radius: 8px;
  text-decoration: none;
  font-weight: bold;
}

.calculator {
  background: white;
  color: #1e293b;
  max-width: 520px;
  padding: 30px;
  border-radius: 14px;
  margin: 35px 0;
  box-shadow: 0 4px 14px rgba(0,0,0,0.1);
}

.calculator label {
  display: block;
  font-weight: bold;
  margin-top: 16px;
}

.calculator input {
  width: 100%;
  padding: 13px;
  margin-top: 8px;
  border: 1px solid #cbd5e1;
  border-radius: 8px;
}

.calculator button,
.contact-form button {
  margin-top: 22px;
  width: 100%;
  padding: 14px;
  background: #2563eb;
  color: white;
  border: none;
  font-weight: bold;
  border-radius: 8px;
  cursor: pointer;
}

#emiResult {
  color: #16a34a;
  margin-top: 18px;
}

.eligibility-box ul,
.support-info ul {
  margin-left: 25px;
  line-height: 2;
}

.faq button {
  width: 100%;
  padding: 16px;
  background: #1e3a8a;
  color: white;
  border: none;
  text-align: left;
  margin-top: 12px;
  border-radius: 8px;
  cursor: pointer;
  font-size: 16px;
}

.faq p {
  display: none;
  background: #dbeafe;
  padding: 16px;
  color: #1e293b;
  border-radius: 8px;
  margin-top: 6px;
}

.contact-form {
  max-width: 550px;
  display: flex;
  flex-direction: column;
  gap: 15px;
  margin: 30px 0;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  padding: 14px;
  border-radius: 8px;
  border: none;
}

.contact-form textarea {
  height: 120px;
}

footer {
  background: #020617;
  color: white;
  text-align: center;
  padding: 24px;
}

@media screen and (max-width: 900px) {
  header {
    flex-direction: column;
    align-items: flex-start;
  }

  nav {
    margin-top: 12px;
  }

  nav a {
    display: inline-block;
    margin: 8px 12px 0 0;
  }

  .section {
    padding: 70px 25px;
  }

  h1 {
    font-size: 36px;
  }

  .cards,
  .loan-grid,
  .eligibility-grid {
    grid-template-columns: 1fr;
  }
}