:root {
    --primary: #0b1c2d;
    --secondary: #00c853;
    --accent: #2962ff;
    --light: #f8f9fa;
    --dark: #212529;
    --gradient: linear-gradient(135deg, #0b1c2d 0%, #2962ff 100%);
    --shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: 'Poppins', sans-serif;
    line-height: 1.6;
    color: var(--dark);
    background-color: #ffffff;
    overflow-x: hidden;
}

h1, h2, h3, h4, h5 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    line-height: 1.2;
}

/* Header & Navigation */
header {
    background: rgba(11, 28, 45, 0.95);
    backdrop-filter: blur(10px);
    padding: 15px 5%;
    position: fixed;
    top: 0;
    width: 100%;
    z-index: 1000;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
}

header.scrolled {
    padding: 10px 5%;
    background: rgba(11, 28, 45, 0.98);
}

.logo-container {
    display: flex;
    align-items: center;
    gap: 12px;
}

.logo {
    font-size: 28px;
    font-weight: 700;
    color: white;
    display: flex;
    align-items: center;
    gap: 8px;
}

.logo i {
    color: var(--secondary);
    font-size: 24px;
}

.logo-text {
    background: linear-gradient(90deg, #fff 0%, var(--secondary) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

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

.nav-links a {
    color: white;
    text-decoration: none;
    font-weight: 500;
    font-size: 16px;
    position: relative;
    padding: 5px 0;
    transition: var(--transition);
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--secondary);
    transition: var(--transition);
}

.nav-links a:hover::after,
.nav-links a.active::after {
    width: 100%;
}

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

.nav-cta {
    background: var(--secondary);
    color: white;
    padding: 10px 25px;
    border-radius: 50px;
    font-weight: 600;
    transition: var(--transition);
    margin-left: 20px;
}

.nav-cta:hover {
    background: #00e676;
    transform: translateY(-3px);
    box-shadow: 0 10px 20px rgba(0, 200, 83, 0.3);
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    color: white;
    font-size: 24px;
    cursor: pointer;
}

/* Hero Section */
.hero {
    min-height: 100vh;
    background: 
        linear-gradient(rgba(11, 28, 45, 0.9), rgba(11, 28, 45, 0.8)),
        url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?ixlib=rb-4.0.3&auto=format&fit=crop&w=1911&q=80');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    color: white;
    display: flex;
    align-items: center;
    padding: 120px 5% 80px;
    position: relative;
    overflow: hidden;
}

.hero-content {
    max-width: 800px;
    z-index: 2;
}

.hero h1 {
    font-size: 3.5rem;
    margin-bottom: 20px;
    background: linear-gradient(90deg, #fff 0%, var(--secondary) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 1.5rem;
    margin-bottom: 30px;
    color: rgba(255, 255, 255, 0.9);
}

.hero-features {
    display: flex;
    gap: 30px;
    margin-bottom: 40px;
    flex-wrap: wrap;
}

.feature-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1rem;
}

.feature-item i {
    color: var(--secondary);
    font-size: 1.2rem;
}

.hero-buttons {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
}

.btn-primary, .btn-secondary {
    padding: 16px 32px;
    border-radius: 50px;
    font-weight: 600;
    font-size: 1rem;
    cursor: pointer;
    transition: var(--transition);
    border: none;
    display: flex;
    align-items: center;
    gap: 10px;
}

.btn-primary {
    background: var(--secondary);
    color: white;
}

.btn-primary:hover {
    background: #00e676;
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(0, 200, 83, 0.4);
}

.btn-secondary {
    background: transparent;
    color: white;
    border: 2px solid rgba(255, 255, 255, 0.3);
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: white;
    transform: translateY(-3px);
}

.ai-badge {
    position: absolute;
    top: 30px;
    right: 30px;
    background: rgba(41, 98, 255, 0.2);
    border: 2px solid var(--accent);
    color: white;
    padding: 10px 20px;
    border-radius: 50px;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 8px;
    backdrop-filter: blur(10px);
}

/* AI Assistant Section */
.ai-assistant {
    padding: 100px 5%;
    background: var(--light);
}

.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-header h2 {
    font-size: 2.5rem;
    color: var(--primary);
    margin-bottom: 15px;
}

.section-header p {
    color: #666;
    max-width: 700px;
    margin: 0 auto;
    font-size: 1.1rem;
}

.ai-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    align-items: center;
    max-width: 1200px;
    margin: 0 auto;
}

.ai-chatbot {
    background: white;
    border-radius: 20px;
    padding: 30px;
    box-shadow: var(--shadow);
    height: 500px;
    display: flex;
    flex-direction: column;
}

.chat-header {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-bottom: 20px;
    padding-bottom: 15px;
    border-bottom: 1px solid #eee;
}

.chat-header i {
    background: var(--accent);
    color: white;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
}

.chat-messages {
    flex: 1;
    overflow-y: auto;
    padding-right: 10px;
    margin-bottom: 20px;
    max-height: 350px;
}

.message {
    padding: 15px;
    margin-bottom: 15px;
    border-radius: 15px;
    max-width: 80%;
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.bot-message {
    background: #f0f7ff;
    border-top-left-radius: 5px;
    border-left: 4px solid var(--accent);
    line-height: 1.7;
    font-size: 0.95rem;
}

.bot-message strong {
    color: var(--primary);
}

.bot-message i {
    color: var(--accent);
}

.user-message {
    background: var(--primary);
    color: white;
    margin-left: auto;
    border-top-right-radius: 5px;
    border-left: 4px solid var(--secondary);
}

.chat-input {
    display: flex;
    gap: 10px;
}

.chat-input input {
    flex: 1;
    padding: 15px;
    border: 1px solid #ddd;
    border-radius: 50px;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    transition: var(--transition);
}

.chat-input input:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(41, 98, 255, 0.1);
}

.chat-input button {
    background: var(--accent);
    color: white;
    border: none;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    cursor: pointer;
    transition: var(--transition);
    display: flex;
    align-items: center;
    justify-content: center;
}

.chat-input button:hover {
    background: #1a56ff;
    transform: scale(1.05);
}

.ai-features {
    display: grid;
    grid-template-columns: 1fr;
    gap: 25px;
}

.ai-feature {
    background: white;
    padding: 25px;
    border-radius: 15px;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.ai-feature:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.1);
}

.ai-feature i {
    font-size: 2.5rem;
    color: var(--accent);
    margin-bottom: 15px;
}

.ai-feature h3 {
    font-size: 1.5rem;
    margin-bottom: 10px;
    color: var(--primary);
}

/* Services Section */
.services {
    padding: 100px 5%;
    background: white;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 30px;
    max-width: 1200px;
    margin: 0 auto;
}

.service-card {
    background: white;
    border-radius: 15px;
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
}

.service-card:hover {
    transform: translateY(-15px);
    box-shadow: 0 25px 50px rgba(0, 0, 0, 0.1);
}

.service-icon {
    height: 200px;
    background: var(--gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 4rem;
    color: white;
}

.service-content {
    padding: 30px;
}

.service-content h3 {
    font-size: 1.5rem;
    margin-bottom: 15px;
    color: var(--primary);
}

.service-features {
    list-style: none;
    margin: 20px 0;
}

.service-features li {
    padding: 8px 0;
    display: flex;
    align-items: center;
    gap: 10px;
}

.service-features li i {
    color: var(--secondary);
}

.service-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--accent);
    font-weight: 600;
    text-decoration: none;
    margin-top: 15px;
    transition: var(--transition);
}

.service-cta:hover {
    gap: 15px;
    color: var(--primary);
}

/* ADVANCED CALCULATOR STYLES */
.loan-calculator {
    padding: 100px 5%;
    background: var(--light);
}

.calculator-container {
    max-width: 1000px;
    margin: 0 auto;
    background: white;
    border-radius: 20px;
    padding: 40px;
    box-shadow: var(--shadow);
}

.calculator-tabs {
    display: flex;
    gap: 10px;
    margin-bottom: 40px;
    border-bottom: 2px solid #eee;
    padding-bottom: 20px;
    flex-wrap: wrap;
}

.tab-btn {
    padding: 12px 24px;
    background: none;
    border: none;
    border-radius: 8px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--primary);
}

.tab-btn.active {
    background: var(--primary);
    color: white;
}

.tab-btn:hover:not(.active) {
    background: #f0f0f0;
}

.calculator-content {
    display: none;
}

.calculator-content.active {
    display: block;
    animation: fadeIn 0.5s ease;
}

.calculator-form {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-bottom: 40px;
}

.calculator-form .form-group {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.calculator-form label {
    font-weight: 600;
    color: var(--primary);
    font-size: 1rem;
}

.calculator-form input {
    padding: 15px;
    border: 1px solid #ddd;
    border-radius: 10px;
    font-size: 1rem;
    font-family: 'Poppins', sans-serif;
    transition: var(--transition);
}

.calculator-form input:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(41, 98, 255, 0.1);
}

.range-slider {
    margin-top: 10px;
}

.range-slider input[type="range"] {
    width: 100%;
    height: 8px;
    background: #ddd;
    border-radius: 4px;
    outline: none;
    -webkit-appearance: none;
}

.range-slider input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    background: var(--accent);
    border-radius: 50%;
    cursor: pointer;
}

.rate-options {
    display: flex;
    gap: 10px;
    margin-top: 10px;
    flex-wrap: wrap;
}

.rate-btn {
    padding: 8px 16px;
    background: rgba(41, 98, 255, 0.1);
    border-radius: 5px;
    color: var(--accent);
    cursor: pointer;
    font-size: 0.9rem;
    transition: var(--transition);
    border: none;
}

.rate-btn:hover {
    background: var(--accent);
    color: white;
}

.calculator-result {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin: 40px 0;
}

.result-card {
    background: var(--gradient);
    color: white;
    padding: 25px;
    border-radius: 15px;
    text-align: center;
}

.result-value {
    font-size: 2rem;
    font-weight: bold;
    margin: 10px 0;
}

.bank-comparison {
    margin-top: 40px;
}

.bank-comparison table {
    width: 100%;
    border-collapse: collapse;
    margin-top: 20px;
    border-radius: 10px;
    overflow: hidden;
    box-shadow: 0 5px 15px rgba(0,0,0,0.05);
}

.bank-comparison th,
.bank-comparison td {
    padding: 15px;
    text-align: left;
    border-bottom: 1px solid #eee;
}

.bank-comparison th {
    background: var(--primary);
    color: white;
    font-weight: 600;
}

.bank-comparison tr:hover {
    background: #f9f9f9;
}

.investment-tips {
    margin-top: 40px;
    padding: 25px;
    background: #f0f7ff;
    border-radius: 15px;
    border-left: 4px solid var(--secondary);
}

.investment-tips h4 {
    color: var(--primary);
    margin-bottom: 15px;
}

.investment-tips ul {
    list-style: none;
    padding-left: 0;
}

.investment-tips li {
    padding: 8px 0;
    display: flex;
    align-items: center;
    gap: 10px;
}

.investment-tips li i {
    color: var(--secondary);
}

.loan-types {
    margin-top: 40px;
}

.loan-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-top: 20px;
}

.loan-type {
    background: white;
    padding: 20px;
    border-radius: 10px;
    text-align: center;
    box-shadow: 0 5px 15px rgba(0,0,0,0.05);
    transition: var(--transition);
}

.loan-type:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.1);
}

.loan-type i {
    font-size: 2rem;
    color: var(--accent);
    margin-bottom: 15px;
}

.loan-type h5 {
    color: var(--primary);
    margin-bottom: 10px;
}

/* AI Investment Predictor */
.ai-predictor {
    padding: 100px 5%;
    background: var(--primary);
    color: white;
}

.predictor-container {
    max-width: 800px;
    margin: 0 auto;
    background: rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(10px);
    border-radius: 20px;
    padding: 50px;
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.predictor-form {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
    margin: 40px 0;
}

.predictor-form .form-group {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.predictor-form label {
    font-weight: 500;
    color: rgba(255, 255, 255, 0.9);
}

.predictor-form input, .predictor-form select {
    padding: 15px;
    border-radius: 10px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.1);
    color: white;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    transition: var(--transition);
}

.predictor-form input:focus, .predictor-form select:focus {
    outline: none;
    border-color: var(--secondary);
    box-shadow: 0 0 0 3px rgba(0, 200, 83, 0.2);
}

.predictor-form select option {
    background: var(--primary);
    color: white;
}

.predictor-result {
    background: rgba(0, 200, 83, 0.1);
    border: 2px solid var(--secondary);
    border-radius: 15px;
    padding: 30px;
    margin-top: 40px;
    display: none;
    animation: slideUp 0.5s ease;
}

@keyframes slideUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

.result-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
}

.risk-meter {
    height: 10px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 5px;
    margin: 20px 0;
    overflow: hidden;
}

.risk-level {
    height: 100%;
    background: var(--secondary);
    width: 0%;
    transition: width 1s ease;
}

/* Testimonials */
.testimonials {
    padding: 100px 5%;
    background: var(--light);
}

.testimonial-slider {
    max-width: 1000px;
    margin: 0 auto;
    position: relative;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.testimonial-card {
    background: white;
    padding: 40px;
    border-radius: 20px;
    box-shadow: var(--shadow);
    position: relative;
}

.testimonial-card::before {
    content: '"';
    font-size: 120px;
    color: var(--secondary);
    opacity: 0.1;
    position: absolute;
    top: -30px;
    left: 20px;
    font-family: serif;
}

.client-rating {
    color: #ffc107;
    margin-bottom: 20px;
}

.client-info {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-top: 20px;
}

.client-avatar {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: var(--gradient);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: bold;
    font-size: 1.2rem;
}

/* Contact Section */
.contact {
    padding: 100px 5%;
    background: white;
}

.contact-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    max-width: 1200px;
    margin: 0 auto;
}

.contact-info {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
}

.contact-card {
    background: var(--light);
    padding: 30px;
    border-radius: 15px;
    text-align: center;
    transition: var(--transition);
    cursor: pointer;
}

.contact-card:hover {
    background: var(--primary);
    color: white;
    transform: translateY(-10px);
}

.contact-card:hover i {
    color: white;
}

.contact-card i {
    font-size: 2.5rem;
    color: var(--accent);
    margin-bottom: 20px;
}

.contact-form {
    background: var(--light);
    padding: 40px;
    border-radius: 20px;
    box-shadow: var(--shadow);
}

.contact-form h3 {
    font-size: 1.8rem;
    margin-bottom: 25px;
    color: var(--primary);
}

.contact-form input,
.contact-form select,
.contact-form textarea {
    width: 100%;
    padding: 15px;
    margin-bottom: 20px;
    border: 1px solid #ddd;
    border-radius: 10px;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    transition: var(--transition);
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(41, 98, 255, 0.1);
}

.contact-form textarea {
    min-height: 150px;
    resize: vertical;
}

/* Footer */
footer {
    background: var(--primary);
    color: white;
    padding: 80px 5% 30px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 50px;
    margin-bottom: 50px;
}

.footer-column h3 {
    font-size: 1.5rem;
    margin-bottom: 25px;
    position: relative;
    padding-bottom: 15px;
}

.footer-column h3::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 50px;
    height: 3px;
    background: var(--secondary);
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: 15px;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 10px;
}

.footer-links a:hover {
    color: var(--secondary);
    padding-left: 10px;
}

.social-links {
    display: flex;
    gap: 15px;
    margin-top: 20px;
}

.social-links a {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    transition: var(--transition);
    text-decoration: none;
}

.social-links a:hover {
    background: var(--secondary);
    transform: translateY(-5px);
}

.copyright {
    text-align: center;
    padding-top: 30px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.9rem;
}

.copyright a {
    color: var(--secondary);
    text-decoration: none;
}

.copyright a:hover {
    text-decoration: underline;
}

/* Animations */
.reveal {
    opacity: 0;
    transform: translateY(40px);
    transition: 1s cubic-bezier(0.5, 0, 0, 1);
}

.reveal.active {
    opacity: 1;
    transform: none;
}

/* ========================================
   CREDIT SCORE CHECKER SECTION
   ======================================== */

.credit-score-section {
    padding: 100px 5%;
    background: linear-gradient(135deg, #f5f7fa 0%, #e9ecef 100%);
    position: relative;
    overflow: hidden;
}

.credit-score-container {
    max-width: 1000px;
    margin: 0 auto;
    background: white;
    border-radius: 30px;
    padding: 50px;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.1);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 20px;
}

.credit-score-form .form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.credit-score-form label {
    font-weight: 600;
    color: var(--primary);
    font-size: 0.95rem;
    display: flex;
    align-items: center;
    gap: 8px;
}

.credit-score-form label i {
    color: var(--accent);
    width: 20px;
}

.credit-score-form input,
.credit-score-form select {
    padding: 15px;
    border: 2px solid #eef2f6;
    border-radius: 12px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.95rem;
    transition: var(--transition);
    background: white;
}

.credit-score-form input:focus,
.credit-score-form select:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 4px rgba(41, 98, 255, 0.1);
}

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-top: 25px;
    padding: 20px;
    background: #f8f9fa;
    border-radius: 12px;
}

.form-checkbox input[type="checkbox"] {
    width: 20px;
    height: 20px;
    margin-top: 2px;
    accent-color: var(--secondary);
}

.form-checkbox label {
    font-size: 0.9rem;
    color: #555;
    line-height: 1.5;
}

.credit-score-note {
    margin-top: 20px;
    text-align: center;
    color: #666;
    font-size: 0.9rem;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 15px;
    background: #f0f7ff;
    border-radius: 50px;
}

.credit-score-note i {
    color: var(--accent);
}

/* Credit Score Result Styles */
.credit-score-result {
    margin-top: 40px;
    padding: 40px;
    background: linear-gradient(135deg, var(--primary) 0%, #1a2c3d 100%);
    border-radius: 20px;
    color: white;
    animation: slideUp 0.5s ease;
}

.score-header {
    text-align: center;
    margin-bottom: 30px;
}

.score-header h3 {
    font-size: 1.8rem;
    margin-bottom: 20px;
    color: white;
}

.score-circle {
    width: 180px;
    height: 180px;
    border-radius: 50%;
    border: 8px solid var(--secondary);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    background: rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(5px);
    box-shadow: 0 10px 30px rgba(0, 200, 83, 0.3);
}

#scoreValue {
    font-size: 4rem;
    font-weight: 800;
    line-height: 1;
    color: white;
    text-shadow: 0 0 20px rgba(0, 200, 83, 0.5);
}

.score-label {
    font-size: 0.9rem;
    opacity: 0.9;
    margin-top: 5px;
}

.score-rating {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--secondary);
    margin-bottom: 20px;
    text-transform: uppercase;
    letter-spacing: 2px;
}

.score-meter {
    margin: 30px 0;
}

.meter-bar {
    height: 12px;
    background: rgba(255, 255, 255, 0.2);
    border-radius: 6px;
    overflow: hidden;
    margin-bottom: 10px;
}

.meter-fill {
    height: 100%;
    width: 0%;
    background: var(--secondary);
    border-radius: 6px;
    transition: width 1s cubic-bezier(0.4, 0, 0.2, 1);
}

.meter-labels {
    display: flex;
    justify-content: space-between;
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.8rem;
    padding: 0 5px;
}

.score-breakdown,
.score-recommendations {
    margin-top: 30px;
    padding: 25px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 15px;
    backdrop-filter: blur(5px);
}

.score-breakdown h4,
.score-recommendations h4 {
    color: white;
    margin-bottom: 15px;
    font-size: 1.2rem;
    display: flex;
    align-items: center;
    gap: 10px;
}

.score-breakdown ul,
.score-recommendations ul {
    list-style: none;
    padding-left: 0;
}

.score-breakdown li,
.score-recommendations li {
    padding: 10px 0;
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, 0.9);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.score-breakdown li:last-child,
.score-recommendations li:last-child {
    border-bottom: none;
}

.score-breakdown li i,
.score-recommendations li i {
    width: 20px;
    font-size: 1.1rem;
}

/* ========================================
   PARTNERS SECTION
   ======================================== */

.partners-section {
    padding: 100px 5%;
    background: white;
    position: relative;
}

.partners-categories {
    max-width: 1200px;
    margin: 0 auto;
}

.partners-category {
    margin-bottom: 60px;
}

.partners-category h3 {
    font-size: 1.8rem;
    color: var(--primary);
    margin-bottom: 30px;
    display: flex;
    align-items: center;
    gap: 15px;
    position: relative;
    padding-bottom: 15px;
}

.partners-category h3::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 80px;
    height: 4px;
    background: var(--secondary);
    border-radius: 2px;
}

.partners-category h3 i {
    color: var(--accent);
    font-size: 2rem;
}

.partners-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 25px;
}

.partner-card {
    background: white;
    border: 1px solid #eef2f6;
    border-radius: 15px;
    padding: 30px 20px;
    text-align: center;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.02);
}

.partner-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: var(--gradient);
    transform: scaleX(0);
    transition: var(--transition);
}

.partner-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08);
    border-color: transparent;
}

.partner-card:hover::before {
    transform: scaleX(1);
}

.partner-logo {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, #f0f7ff 0%, #e3f2fd 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 2.5rem;
    color: var(--accent);
    transition: var(--transition);
}

.partner-card:hover .partner-logo {
    background: var(--gradient);
    color: white;
    transform: scale(1.1) rotate(5deg);
}

.partner-card h4 {
    font-size: 1.1rem;
    color: var(--primary);
    margin-bottom: 8px;
}

.partner-card p {
    color: #666;
    font-size: 0.85rem;
    margin-bottom: 15px;
}

.partner-badge {
    position: absolute;
    top: 15px;
    right: 15px;
    background: var(--secondary);
    color: white;
    padding: 5px 12px;
    border-radius: 50px;
    font-size: 0.7rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.partners-cta {
    text-align: center;
    margin-top: 60px;
    padding: 50px;
    background: linear-gradient(135deg, var(--primary) 0%, #1a2c3d 100%);
    border-radius: 20px;
    color: white;
}

.partners-cta h3 {
    font-size: 1.8rem;
    margin-bottom: 15px;
    color: white;
}

.partners-cta p {
    font-size: 1.1rem;
    margin-bottom: 30px;
    opacity: 0.9;
}

.partners-cta .btn-primary {
    background: var(--secondary);
    color: white;
    border: none;
    padding: 18px 40px;
    font-size: 1.1rem;
    margin: 0 auto;
    display: inline-flex;
}

/* ========================================
   TYPOGRAPHY & UTILITIES
   ======================================== */

#typingIndicator {
    background: #f0f7ff;
    color: var(--primary);
    padding: 15px;
    border-radius: 15px;
    border-top-left-radius: 5px;
    width: fit-content;
}

#typingIndicator i {
    animation: typing 1.4s infinite;
}

@keyframes typing {
    0% { opacity: 0.3; }
    50% { opacity: 1; }
    100% { opacity: 0.3; }
}

.chat-messages {
    scroll-behavior: smooth;
}

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

@media (max-width: 1024px) {
    .ai-container, .contact-container {
        grid-template-columns: 1fr;
    }
    
    .predictor-form {
        grid-template-columns: 1fr;
    }
    
    .hero h1 {
        font-size: 2.8rem;
    }
    
    .calculator-form {
        grid-template-columns: 1fr;
    }
    
    .form-row {
        grid-template-columns: 1fr;
        gap: 15px;
    }
    
    .credit-score-container {
        padding: 30px;
    }
    
    .score-circle {
        width: 150px;
        height: 150px;
    }
    
    #scoreValue {
        font-size: 3rem;
    }
    
    .partners-grid {
        grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
    }
}

@media (max-width: 768px) {
    .nav-links {
        display: none;
        position: fixed;
        top: 80px;
        left: 0;
        width: 100%;
        background: var(--primary);
        flex-direction: column;
        padding: 30px;
        gap: 20px;
        box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
        z-index: 999;
    }
    
    .nav-links.active {
        display: flex;
    }
    
    .mobile-menu-btn {
        display: block;
    }
    
    .hero h1 {
        font-size: 2.2rem;
    }
    
    .hero-subtitle {
        font-size: 1.2rem;
    }
    
    .hero-buttons {
        flex-direction: column;
    }
    
    .services-grid {
        grid-template-columns: 1fr;
    }
    
    .contact-info {
        grid-template-columns: 1fr;
    }
    
    .testimonial-slider {
        grid-template-columns: 1fr;
    }
    
    .ai-badge {
        position: relative;
        top: auto;
        right: auto;
        margin-bottom: 20px;
        justify-content: center;
    }
    
    .calculator-tabs {
        flex-direction: column;
    }
    
    .calculator-result {
        grid-template-columns: 1fr;
    }
    
    .bank-comparison table {
        display: block;
        overflow-x: auto;
    }
    
    .loan-types-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .credit-score-container {
        padding: 25px;
    }
    
    .credit-score-result {
        padding: 25px;
    }
    
    .score-header h3 {
        font-size: 1.5rem;
    }
    
    .partners-category h3 {
        font-size: 1.5rem;
    }
    
    .partners-cta {
        padding: 30px;
    }
    
    .partners-cta h3 {
        font-size: 1.5rem;
    }
    
    .partner-card {
        padding: 20px 15px;
    }
}

@media (max-width: 480px) {
    .hero h1 {
        font-size: 1.8rem;
    }
    
    .hero-subtitle {
        font-size: 1rem;
    }
    
    .section-header h2 {
        font-size: 2rem;
    }
    
    .ai-chatbot, .predictor-container, .contact-form, .calculator-container {
        padding: 20px;
    }
    
    .btn-primary, .btn-secondary {
        padding: 12px 24px;
        font-size: 0.9rem;
    }
    
    .feature-item {
        font-size: 0.9rem;
    }
    
    .predictor-container {
        padding: 20px;
    }
    
    .loan-types-grid {
        grid-template-columns: 1fr;
    }
    
    .credit-score-container {
        padding: 20px;
    }
    
    .form-checkbox {
        flex-direction: column;
        align-items: flex-start;
    }
    
    .credit-score-note {
        flex-direction: column;
        text-align: center;
    }
    
    .score-circle {
        width: 120px;
        height: 120px;
        border-width: 6px;
    }
    
    #scoreValue {
        font-size: 2.5rem;
    }
    
    .partners-grid {
        grid-template-columns: 1fr;
    }
    
    .partner-logo {
        width: 60px;
        height: 60px;
        font-size: 2rem;
    }
}
/* ========== WHATSAPP & CALL BUTTONS ========== */
.contact-buttons {
  display: flex;
  gap: 15px;
  margin-top: 20px;
  justify-content: center;
}

.btn-whatsapp, .btn-call {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 25px;
  border-radius: 50px;
  text-decoration: none;
  font-weight: 600;
  transition: all 0.3s ease;
  border: none;
  cursor: pointer;
}

.btn-whatsapp {
  background-color: #25D366;
  color: white;
}

.btn-whatsapp:hover {
  background-color: #128C7E;
  transform: translateY(-2px);
  box-shadow: 0 5px 15px rgba(37, 211, 102, 0.3);
}

.btn-call {
  background-color: #0077b6;
  color: white;
}

.btn-call:hover {
  background-color: #023e8a;
  transform: translateY(-2px);
  box-shadow: 0 5px 15px rgba(0, 119, 182, 0.3);
}

.btn-whatsapp i, .btn-call i {
  font-size: 20px;
}

/* Floating buttons */
.floating-contact {
  position: fixed;
  bottom: 30px;
  right: 30px;
  display: flex;
  flex-direction: column;
  gap: 15px;
  z-index: 999;
}

.float-whatsapp, .float-call {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  text-decoration: none;
  box-shadow: 0 5px 15px rgba(0, 0, 0, 0.2);
  transition: all 0.3s ease;
}

.float-whatsapp {
  background-color: #25D366;
  color: white;
  font-size: 30px;
}

.float-call {
  background-color: #0077b6;
  color: white;
  font-size: 30px;
}

.float-whatsapp:hover, .float-call:hover {
  transform: scale(1.1);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.3);
}

@media (max-width: 768px) {
  .floating-contact {
    bottom: 20px;
    right: 20px;
  }
  
  .float-whatsapp, .float-call {
    width: 50px;
    height: 50px;
    font-size: 25px;
  }
}