:root {
    --primary: #d43737;
    --primary-dark: #b82e2e;
    --secondary: #022ad0;
    --secondary-dark: #011a8a;
    --dark: #0f2b63;
    --dark-bg: #0a1a3d;
    --text: #333;
    --text-light: #666;
    --white: #fff;
    --light-bg: #f8f9fa;
    --border: #e5e5e5;
    --shadow: 0 5px 25px rgba(0,0,0,.08);
    --shadow-hover: 0 10px 40px rgba(0,0,0,.12);
    --radius: 12px;
    --radius-sm: 8px;
    --font: 'Urbanist', 'Open Sans', Arial, sans-serif;
    --transition: all .3s ease;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text); line-height: 1.7; font-size: 16px; overflow-x: hidden; }
a { text-decoration: none; color: inherit; transition: var(--transition); }
img { max-width: 100%; height: auto; vertical-align: middle; pointer-events: none; -webkit-user-drag: none; user-select: none; -webkit-touch-callout: none; }
ul { list-style: none; }
.container { width: 100%; max-width: 1300px; margin: 0 auto; padding: 0 20px; }
section { padding: 10px 0; }

.btn {
    display: inline-block;
    padding: 14px 32px;
    border-radius: 50px;
    font-weight: 600;
    font-size: 16px;
    cursor: pointer;
    transition: var(--transition);
    border: none;
    text-align: center;
    font-family: var(--font);
}
.btn-primary { background: var(--primary); color: var(--white); }
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 8px 25px rgba(212,55,55,.3); }
.btn-secondary { background: var(--secondary); color: var(--white); }
.btn-secondary:hover { background: var(--secondary-dark); transform: translateY(-2px); box-shadow: 0 8px 25px rgba(2,42,208,.3); }
.btn-outline { background: transparent; color: var(--white); border: 2px solid var(--white); }
.btn-outline:hover { background: var(--white); color: var(--dark); }
.btn-ghost { background: transparent; color: var(--dark); border: 2px solid var(--border); }
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); }

.section-title { text-align: center; margin-bottom: 50px; }
.section-title h2 { font-size: 38px; font-weight: 800; color: var(--dark); margin-bottom: 15px; }
.section-title h2 span { color: var(--primary); }
.section-title p { font-size: 18px; color: var(--text-light); max-width: 600px; margin: 0 auto; }

/* ==================== HEADER ==================== */
.grant-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255,255,255,.98);
    box-shadow: 0 2px 20px rgba(0,0,0,.06);
    transition: var(--transition);
}
.grant-header.scrolled { background: var(--white); box-shadow: 0 2px 20px rgba(0,0,0,.1); }
.grant-header .container { display: flex; align-items: center; justify-content: space-between; padding: 15px 20px; }
.grant-header .logo { display: flex; align-items: center; gap: 10px; }
.grant-header .logo img { height: 45px; width: auto; }
.grant-header .logo span { font-size: 20px; font-weight: 800; color: var(--dark); }
.grant-header .logo span .highlight { color: var(--primary); }
.grant-header nav { display: flex; align-items: center; gap: 30px; }
.grant-header nav a {
    font-size: 15px;
    font-weight: 600;
    color: var(--text);
    position: relative;
    padding: 5px 0;
    text-transform: uppercase;
    letter-spacing: .5px;
}
.grant-header nav a::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--primary);
    transition: var(--transition);
}
.grant-header nav a:hover::after,
.grant-header nav a.active::after { width: 100%; }
.grant-header nav a:hover,
.grant-header nav a.active { color: var(--primary); }
.grant-header nav a.active { font-weight: 800; }
.grant-header nav a.apply-btn {
    background: var(--primary);
    color: var(--white) !important;
    padding: 10px 24px;
    border-radius: 50px;
    font-weight: 700;
}
.grant-header nav a.apply-btn::after { display: none; }
.grant-header nav a.apply-btn:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 8px 25px rgba(212,55,55,.3); }
.grant-header nav a.apply-btn.active { background: #b82e2e; box-shadow: 0 4px 15px rgba(212,55,55,.4); }

.nav-close { display: none; }
.mobile-toggle { display: none; font-size: 24px; cursor: pointer; color: var(--dark); background: none; border: none; padding: 8px; }
.mobile-abbr { display: none; }

/* ==================== HERO ==================== */
.hero {
    padding: 160px 0 80px;
    background: linear-gradient(135deg, var(--dark-bg) 0%, var(--dark) 100%);
    color: var(--white);
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: rgba(212,55,55,.1);
    pointer-events: none;
}
.hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: rgba(2,42,208,.08);
    pointer-events: none;
}
.hero .container { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hero-content h1 { font-size: 52px; font-weight: 900; line-height: 1.15; margin-bottom: 20px; }
.hero-content h1 span { color: var(--primary); }
.hero-content p { font-size: 20px; line-height: 1.6; margin-bottom: 35px; opacity: .9; }
.hero-content .hero-btns { display: flex; gap: 15px; flex-wrap: wrap; }
.hero-image { text-align: center; }
.hero-image img { max-width: 100%; border-radius: var(--radius); box-shadow: 0 20px 60px rgba(0,0,0,.3); }

/* ==================== TRUST BADGES ==================== */
.trust-badges { background: var(--white); padding: 30px 0; border-bottom: 1px solid var(--border); }
.trust-badges .container { display: flex; align-items: center; justify-content: center; gap: 50px; flex-wrap: wrap; }
.trust-badges img { height: 35px; opacity: .6; transition: var(--transition); }
.trust-badges img:hover { opacity: 1; }

/* ==================== FEATURES ==================== */
.features { background: var(--light-bg); }
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.feature-card {
    background: var(--white);
    padding: 40px 30px;
    border-radius: var(--radius);
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
}
.feature-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); }
.feature-card .icon {
    width: 70px;
    height: 70px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 28px;
}
.feature-card .icon.primary { background: rgba(212,55,55,.1); color: var(--primary); }
.feature-card .icon.secondary { background: rgba(2,42,208,.1); color: var(--secondary); }
.feature-card .icon.accent { background: rgba(15,43,99,.1); color: var(--dark); }
.feature-card h3 { font-size: 20px; font-weight: 700; margin-bottom: 12px; color: var(--dark); }
.feature-card p { font-size: 15px; color: var(--text-light); line-height: 1.6; }

/* ==================== LOAN PLANS ==================== */
.grant-plans { background: var(--light-bg); padding: 80px 0; }
.plans-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 30px; }
.plan-card {
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: 0 5px 25px rgba(0,0,0,.06);
    transition: var(--transition);
    position: relative;
    border-bottom: 3px solid var(--primary);
}
.plan-card:hover { transform: translateY(-5px); box-shadow: 0 10px 40px rgba(0,0,0,.1); }
.plan-card .popular {
    position: absolute;
    top: 10px;
    right: 10px;
    z-index: 2;
    background: var(--primary);
    color: var(--white);
    padding: 4px 16px;
    border-radius: 20px;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .5px;
}
.plan-card__header {
    background: var(--primary);
    padding: 30px 25px;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.plan-card__header::after,
.plan-card__header::before {
    content: '';
    position: absolute;
    top: -66%;
    width: 84px;
    height: 425px;
    background: rgba(255,255,255,.07);
}
.plan-card__header::after { left: 76%; transform: rotate(52deg); }
.plan-card__header::before { left: 59%; transform: rotate(134deg); }
.plan-card__header h3 { font-size: 20px; font-weight: 700; color: var(--white); margin-bottom: 8px; }
.plan-card__price { font-size: 34px; font-weight: 800; color: var(--white); line-height: 1.2; }
.plan-card__price span { font-size: 14px; font-weight: 500; opacity: .85; }
.plan-card__body { padding: 25px 25px 0; }
.plan-card__body ul { text-align: left; margin-bottom: 0; }
.plan-card__body ul li {
    padding: 12px 0 12px 28px;
    font-size: 14px;
    color: var(--text-light);
    position: relative;
    border-bottom: 1px dashed rgba(0,0,0,.06);
}
.plan-card__body ul li:last-child { border-bottom: none; }
.plan-card__body ul li::before {
    content: '\f058';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    position: absolute;
    left: 0;
    top: 12px;
    color: var(--primary);
    font-size: 16px;
}
.plan-card__footer { padding: 20px 25px 25px; }
.plan-card__footer .btn { width: 100%; }

/* ==================== HOW IT WORKS ==================== */
.how-it-works { background: var(--light-bg); }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; position: relative; }
.steps::before {
    content: '';
    position: absolute;
    top: 50px;
    left: 15%;
    right: 15%;
    height: 2px;
    background: var(--border);
    z-index: 0;
}
.step { text-align: center; position: relative; z-index: 1; }
.step .step-num {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: var(--primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 800;
    margin: 0 auto 20px;
    box-shadow: 0 5px 20px rgba(212,55,55,.3);
}
.step h3 { font-size: 20px; font-weight: 700; color: var(--dark); margin-bottom: 10px; }
.step p { font-size: 15px; color: var(--text-light); }

/* ==================== ABOUT / CTA ==================== */
.about-section { background: var(--white); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-grid .text h2 { font-size: 36px; font-weight: 800; color: var(--dark); margin-bottom: 20px; }
.about-grid .text h2 span { color: var(--primary); }
.about-grid .text p { font-size: 16px; color: var(--text-light); margin-bottom: 20px; line-height: 1.8; }
.about-grid .image img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; }

.cta-section {
    background: linear-gradient(135deg, var(--primary) 0%, #e85050 100%);
    color: var(--white);
    text-align: center;
    padding: 80px 0;
}
.cta-section h2 { font-size: 40px; font-weight: 800; margin-bottom: 15px; }
.cta-section p { font-size: 18px; opacity: .9; margin-bottom: 30px; max-width: 600px; margin-left: auto; margin-right: auto; }

/* ==================== FAQ ==================== */
.faq-section { background: var(--light-bg); }
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
    background: var(--white);
    border-radius: var(--radius-sm);
    margin-bottom: 12px;
    box-shadow: 0 2px 10px rgba(0,0,0,.04);
    overflow: hidden;
}
.faq-item .faq-question {
    padding: 20px 25px;
    font-weight: 600;
    font-size: 17px;
    color: var(--dark);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition);
}
.faq-item .faq-question:hover { background: rgba(212,55,55,.03); }
.faq-item .faq-question .icon { transition: var(--transition); font-size: 20px; color: var(--primary); }
.faq-item.active .faq-question .icon { transform: rotate(45deg); }
.faq-item .faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height .3s ease, padding .3s ease;
    padding: 0 25px;
    color: var(--text-light);
    font-size: 15px;
    line-height: 1.7;
}
.faq-item.active .faq-answer { max-height: 500px; padding: 0 25px 20px; }

/* ==================== BLOG ==================== */
.blog-section { background: var(--white); }
.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 30px; }
.blog-card {
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); }
.blog-card .blog-image { height: 220px; overflow: hidden; }
.blog-card .blog-image img { width: 100%; height: 100%; object-fit: cover; transition: var(--transition); }
.blog-card:hover .blog-image img { transform: scale(1.05); }
.blog-card .blog-body { padding: 25px; }
.blog-card .blog-body .date { font-size: 13px; color: var(--primary); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }
.blog-card .blog-body h3 { font-size: 20px; font-weight: 700; margin-bottom: 10px; color: var(--dark); }
.blog-card .blog-body p { font-size: 14px; color: var(--text-light); line-height: 1.6; margin-bottom: 15px; }
.blog-card .blog-body a { color: var(--primary); font-weight: 600; font-size: 14px; }
.blog-card .blog-body a:hover { color: var(--primary-dark); }

/* ==================== NEWSLETTER ==================== */
.newsletter {
    background: var(--dark);
    color: var(--white);
    padding: 60px 0;
}
.newsletter .container { display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.newsletter .text h3 { font-size: 28px; font-weight: 800; margin-bottom: 8px; }
.newsletter .text p { font-size: 16px; opacity: .8; }
.newsletter form { display: flex; gap: 10px; flex: 1; max-width: 500px; }
.newsletter form input {
    flex: 1;
    padding: 15px 20px;
    border-radius: 50px;
    border: none;
    font-size: 16px;
    font-family: var(--font);
    outline: none;
}
.newsletter form button {
    padding: 15px 30px;
    border-radius: 50px;
    border: none;
    background: var(--primary);
    color: var(--white);
    font-weight: 700;
    font-size: 16px;
    cursor: pointer;
    transition: var(--transition);
    font-family: var(--font);
}
.newsletter form button:hover { background: var(--primary-dark); }

/* ==================== FOOTER ==================== */
.grant-footer { background: var(--dark-bg); color: rgba(255,255,255,.8); padding: 80px 0 0; }
.grant-footer .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
.grant-footer .footer-col h4 { color: var(--white); font-size: 18px; font-weight: 700; margin-bottom: 20px; position: relative; padding-bottom: 10px; }
.grant-footer .footer-col h4::after { content: ''; position: absolute; bottom: 0; left: 0; width: 30px; height: 2px; background: var(--primary); }
.grant-footer .footer-col p { font-size: 14px; line-height: 1.7; margin-bottom: 20px; }
.grant-footer .footer-col .brand { display: flex; align-items: center; gap: 10px; margin-bottom: 15px; }
.grant-footer .footer-col .brand img { height: 40px; }
.grant-footer .footer-col .brand span { font-size: 20px; font-weight: 800; color: var(--white); }
.grant-footer .footer-col a { color: rgba(255,255,255,.7); font-size: 14px; display: block; padding: 5px 0; transition: var(--transition); }
.grant-footer .footer-col a:hover { color: var(--primary); padding-left: 5px; }
.grant-footer .footer-col .contact-item { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 15px; font-size: 14px; }
.grant-footer .footer-col .contact-item i { color: var(--primary); width: 20px; text-align: center; margin-top: 3px; }
.grant-footer .footer-col .contact-item a { display: inline; padding: 0; }
.grant-footer .footer-col .contact-item a:hover { padding-left: 0; }
.grant-footer .footer-social { display: flex; gap: 12px; margin-top: 15px; }
.grant-footer .footer-social a {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: rgba(255,255,255,.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    transition: var(--transition);
    font-size: 16px;
}
.grant-footer .footer-social a:hover { background: var(--primary); color: var(--white); transform: translateY(-3px); }
.grant-footer .footer-bottom {
    border-top: 1px solid rgba(255,255,255,.1);
    padding: 25px 0;
    margin-top: 60px;
    text-align: center;
    font-size: 14px;
}

/* ==================== PAGE HEADER ==================== */
.page-header {
    padding: 140px 0 60px;
    background: linear-gradient(135deg, var(--dark-bg), var(--dark));
    color: var(--white);
    text-align: center;
}
.page-header h1 { font-size: 42px; font-weight: 900; margin-bottom: 10px; }
.page-header h1 span { color: var(--primary); }
.page-header p { font-size: 18px; opacity: .85; max-width: 600px; margin: 0 auto; }
.breadcrumb { margin-top: 15px; font-size: 14px; color: rgba(255,255,255,.6); }
.breadcrumb a { color: rgba(255,255,255,.8); }
.breadcrumb a:hover { color: var(--primary); }

/* ==================== CONTACT FORM ==================== */
.contact-section { background: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; }
.contact-info h3 { font-size: 24px; font-weight: 700; color: var(--dark); margin-bottom: 20px; }
.contact-info .info-item { display: flex; gap: 15px; margin-bottom: 25px; }
.contact-info .info-item .icon {
    width: 50px;
    height: 50px;
    min-width: 50px;
    border-radius: 50%;
    background: rgba(212,55,55,.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    font-size: 20px;
}
.contact-info .info-item h4 { font-size: 16px; font-weight: 700; color: var(--dark); margin-bottom: 3px; }
.contact-info .info-item p { font-size: 14px; color: var(--text-light); }
.contact-form .form-group { margin-bottom: 20px; }
.contact-form input, .contact-form textarea, .contact-form select {
    width: 100%;
    padding: 15px 20px;
    border: 2px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 15px;
    font-family: var(--font);
    transition: var(--transition);
    outline: none;
    background: var(--white);
}
.contact-form input:focus, .contact-form textarea:focus, .contact-form select:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(212,55,55,.1); }
.contact-form textarea { height: 140px; resize: vertical; }

/* ==================== RESPONSIVE ==================== */
@media (max-width: 1024px) {
    .hero .container { grid-template-columns: 1fr; text-align: center; }
    .hero-content .hero-btns { justify-content: center; }
    .about-grid { grid-template-columns: 1fr; }
    .grant-footer .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
    .mobile-toggle { display: block; }
    .mobile-abbr { display: inline; font-size: 20px; font-weight: 800; color: var(--dark); }
    .desktop-name { display: none; }

    .nav-close {
        display: flex;
        align-items: center;
        justify-content: center;
        position: absolute;
        top: 15px;
        right: 15px;
        width: 40px;
        height: 40px;
        border-radius: 50%;
        border: none;
        background: var(--light-bg);
        color: var(--dark);
        font-size: 18px;
        cursor: pointer;
        transition: var(--transition);
        z-index: 2;
    }
    .nav-close:hover { background: var(--primary); color: var(--white); }

    .nav-overlay {
        position: fixed;
        top: 0;
        left: 0;
        right: 0;
        bottom: 0;
        background: rgba(0,0,0,.5);
        z-index: 999;
        opacity: 0;
        visibility: hidden;
        transition: opacity .3s ease, visibility .3s ease;
    }

    .grant-header nav {
        display: flex;
        position: fixed;
        top: 0;
        right: 0;
        width: 280px;
        height: 100vh;
        height: 100dvh;
        background: var(--white);
        flex-direction: column;
        padding: 70px 20px 30px;
        gap: 2px;
        z-index: 1000;
        box-shadow: -5px 0 30px rgba(0,0,0,.15);
        transform: translateX(100%);
        transition: transform .35s cubic-bezier(.4,0,.2,1);
        overflow-y: auto;
    }
    .grant-header nav.open { transform: translateX(0); }
    .nav-overlay.open { opacity: 1; visibility: visible; }
    .grant-header nav a {
        padding: 14px 16px;
        font-size: 15px;
        border-radius: 8px;
        width: 100%;
        text-transform: none;
        letter-spacing: 0;
        font-weight: 600;
    }
    .grant-header nav a:hover,
    .grant-header nav a.active { background: rgba(212,55,55,.08); }
    .grant-header nav a::after { display: none; }
    .grant-header nav a.apply-btn {
        width: 100%;
        text-align: center;
        margin-top: 8px;
        border-radius: 8px;
        padding: 14px 16px;
        background: var(--primary);
        color: var(--white) !important;
    }

    .hero { padding: 130px 0 50px; }
    .hero-content h1 { font-size: 32px; }
    .features-grid { grid-template-columns: 1fr; }
    .steps { grid-template-columns: 1fr; }
    .steps::before { display: none; }
    .blog-grid { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; }
    .newsletter .container { flex-direction: column; text-align: center; }
    .newsletter form { width: 100%; flex-direction: column; }
    .newsletter form input { width: 100%; }
    .grant-footer .footer-grid { grid-template-columns: 1fr; }
    .section-title h2 { font-size: 28px; }
    .page-header h1 { font-size: 30px; }
    .trust-badges .container { gap: 25px; }
}
@media (max-width: 480px) {
    .hero-content h1 { font-size: 26px; }
    .plans-grid { grid-template-columns: 1fr; }
    .hero-content .hero-btns { flex-direction: column; }
    .hero-content .hero-btns .btn { width: 100%; }
}

/* ==================== APPLY FORM ==================== */
.apply-section { background: var(--light-bg); }
.apply-section .container { max-width: 900px; }
.apply-form-wrap {
    background: var(--white);
    border-radius: var(--radius);
    padding: 40px;
    box-shadow: var(--shadow);
}
.apply-form-wrap .jotform-iframe { width: 100%; min-height: 1050px; border: none; }

.thank-you-section { text-align: center; padding: 100px 0; }
.thank-you-section .icon { font-size: 80px; color: var(--primary); margin-bottom: 20px; }
.thank-you-section h1 { font-size: 42px; font-weight: 900; color: var(--dark); margin-bottom: 15px; }
.thank-you-section p { font-size: 18px; color: var(--text-light); margin-bottom: 30px; }