:root {
  --bg: #f2f8fc;
  --surface: #ffffff;
  --ink: #152355;
  --muted: #4f5f84;
  --line: rgba(31, 45, 104, 0.14);
  --primary: #1f2d68;
  --secondary: #7cb342;
  --aqua: #00a7cf;
  --warm: #f39b21;
  --deep: #111f57;
  --shadow-lg: 0 26px 45px rgba(17, 31, 87, 0.16);
  --shadow-md: 0 16px 30px rgba(17, 31, 87, 0.12);
}

.modern-home {
  background:
    radial-gradient(circle at 12% 20%, rgba(0, 167, 207, 0.17), transparent 34%),
    radial-gradient(circle at 92% 8%, rgba(124, 179, 66, 0.13), transparent 30%),
    linear-gradient(180deg, #ecf6fb 0%, #f9fbff 100%);
  color: var(--ink);
  font-family: "Manrope", "Segoe UI", sans-serif;
}

.modern-home h1,
.modern-home h2,
.modern-home h3,
.modern-home h4,
.modern-home h5,
.modern-home h6 {
  font-family: "Space Grotesk", "Segoe UI", sans-serif;
  letter-spacing: -0.02em;
}

.modern-home p,
.modern-home li,
.modern-home a,
.modern-home button,
.modern-home input,
.modern-home select,
.modern-home label {
  font-family: "Manrope", "Segoe UI", sans-serif;
}

.home-main {
  padding-top: 112px;
}

.section-pad {
  padding: 86px 0;
}

.section-heading {
  margin-bottom: 38px;
}

.section-heading span {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--primary);
  display: inline-block;
  margin-bottom: 10px;
}

.section-heading h2 {
  font-size: clamp(1.7rem, 2.4vw, 2.9rem);
  margin-bottom: 0;
  color: var(--ink);
}

.hero-v2 {
  padding: 38px 0 52px;
}

.hero-v2-copy {
  background: linear-gradient(150deg, rgba(17, 31, 87, 0.95), rgba(31, 45, 104, 0.82));
  color: #fff;
  border-radius: 28px;
  padding: 42px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  box-shadow: var(--shadow-lg);
}

.hero-v2-copy .eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  font-weight: 800;
  margin-bottom: 14px;
  color: #8de3f7;
}

.hero-v2-copy h1 {
  color: #fff;
  font-size: clamp(2rem, 4.3vw, 3.7rem);
  line-height: 1.03;
  margin-bottom: 16px;
}

.hero-v2-copy p {
  color: rgba(236, 243, 255, 0.94);
  line-height: 1.7;
  margin-bottom: 24px;
}

.hero-v2-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 26px;
  flex-wrap: wrap;
}

.hero-link-btn {
  color: #d8e9ff;
  text-decoration: none;
  font-weight: 700;
}

.hero-link-btn i {
  margin-left: 6px;
  transition: transform 0.25s ease;
}

.hero-link-btn:hover {
  color: #fff;
}

.hero-link-btn:hover i {
  transform: translateX(4px);
}

.hero-v2-metrics {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.metric-item {
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 14px;
  padding: 14px 12px;
}

.metric-item strong {
  display: block;
  font-size: 1rem;
  color: #fce4a3;
  margin-bottom: 4px;
}

.metric-item span {
  color: rgba(230, 239, 255, 0.94);
  font-size: 0.82rem;
  line-height: 1.45;
}

.hero-v2-panel {
  background: rgba(255, 255, 255, 0.94);
  border-radius: 24px;
  border: 1px solid rgba(16, 26, 51, 0.14);
  box-shadow: var(--shadow-md);
  padding: 30px;
}

.hero-v2-panel h3 {
  margin-bottom: 10px;
  color: var(--deep);
}

.hero-v2-panel p {
  color: var(--muted);
  line-height: 1.6;
  margin-bottom: 18px;
}

.loan-quick-list {
  display: grid;
  gap: 10px;
  margin-bottom: 22px;
}

.loan-quick-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
  border: 1px solid rgba(16, 26, 51, 0.12);
  background: rgba(0, 167, 207, 0.05);
  border-radius: 12px;
  padding: 11px 12px;
}

.loan-name {
  font-weight: 700;
  color: var(--ink);
  font-size: 0.92rem;
}

.loan-meta {
  color: #4c6da8;
  font-size: 0.8rem;
}

.hero-panel-cta {
  display: block;
  text-align: center;
  text-decoration: none;
  font-weight: 800;
  border-radius: 12px;
  padding: 12px 14px;
  color: #fff;
  background: linear-gradient(90deg, var(--secondary), var(--aqua));
}

.trust-ribbon {
  padding-bottom: 22px;
}

.trust-ribbon-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.trust-pill {
  border-radius: 999px;
  border: 1px solid rgba(16, 26, 51, 0.12);
  background: rgba(255, 255, 255, 0.9);
  color: var(--ink);
  font-weight: 700;
  font-size: 0.84rem;
  padding: 11px 14px;
  text-align: center;
}

.trust-pill i {
  color: var(--primary);
  margin-right: 6px;
}

.products-showcase {
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.35), rgba(255, 255, 255, 0.92));
}

.product-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 20px;
  box-shadow: var(--shadow-md);
  padding: 26px 22px;
  height: 100%;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.product-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 22px 34px rgba(9, 26, 61, 0.14);
}

.product-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: linear-gradient(130deg, rgba(0, 167, 207, 0.12), rgba(124, 179, 66, 0.15));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.product-icon span {
  color: var(--primary);
  font-size: 26px;
}

.product-card h3 {
  color: var(--ink);
  font-size: 1.3rem;
  margin-bottom: 10px;
}

.product-card p {
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 16px;
}

.product-card a {
  color: var(--primary);
  text-decoration: none;
  font-weight: 800;
}

.why-benart {
  background: linear-gradient(170deg, #fff 0%, #f0f7ff 80%);
}

.why-image-wrap {
  position: relative;
}

.why-image-wrap img {
  width: 100%;
  border-radius: 22px;
  box-shadow: var(--shadow-lg);
}

.floating-note {
  position: absolute;
  left: 18px;
  bottom: 18px;
  border-radius: 12px;
  background: rgba(9, 26, 61, 0.86);
  color: #f1f6ff;
  padding: 12px 14px;
  font-size: 0.86rem;
  border: 1px solid rgba(255, 255, 255, 0.22);
}

.why-intro {
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 15px;
}

.why-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.why-list li {
  position: relative;
  padding-left: 30px;
  margin-bottom: 10px;
  color: #2f3d5a;
  line-height: 1.6;
}

.why-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 15px;
  height: 15px;
  border-radius: 50%;
  background: linear-gradient(120deg, var(--primary), var(--secondary));
}

.journey-section {
  background: linear-gradient(170deg, #091a3d 0%, #0b2a60 100%);
}

.journey-section .section-heading span,
.journey-section .section-heading h2 {
  color: #fff;
}

.journey-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.journey-step {
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 18px;
  padding: 24px 18px;
}

.step-number {
  color: #fbe48f;
  font-weight: 800;
  letter-spacing: 0.08em;
  margin-bottom: 9px;
  display: block;
}

.journey-step h3 {
  color: #fff;
  font-size: 1.2rem;
  margin-bottom: 8px;
}

.journey-step p {
  color: rgba(235, 243, 255, 0.92);
  line-height: 1.6;
  margin: 0;
}

.cta-band {
  padding-top: 74px;
  padding-bottom: 92px;
}

.cta-band-inner {
  background: linear-gradient(125deg, rgba(31, 45, 104, 0.97), rgba(0, 167, 207, 0.9));
  border-radius: 26px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  box-shadow: var(--shadow-lg);
  padding: 34px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}

.cta-kicker {
  color: rgba(255, 255, 255, 0.8);
  text-transform: uppercase;
  letter-spacing: 0.11em;
  font-size: 0.75rem;
  display: inline-block;
  margin-bottom: 10px;
}

.cta-band-inner h2 {
  color: #fff;
  font-size: clamp(1.55rem, 3.2vw, 2.45rem);
  margin-bottom: 10px;
}

.cta-band-inner p {
  color: rgba(245, 250, 255, 0.94);
  margin: 0;
  line-height: 1.65;
}

.cta-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}

.modern-home .hero-btn,
.modern-home .btn.hero-btn {
  border-radius: 999px;
  padding: 20px 30px;
  font-size: 0.82rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  background: linear-gradient(90deg, var(--primary), var(--aqua));
  border: none;
  color: #fff;
  box-shadow: 0 14px 24px rgba(0, 167, 207, 0.28);
}

#calc-toggle {
  position: fixed;
  left: 18px;
  bottom: 18px;
  border: none;
  border-radius: 999px;
  padding: 14px 18px;
  font-weight: 800;
  letter-spacing: 0.04em;
  color: #fff;
  background: linear-gradient(125deg, var(--primary), var(--secondary));
  box-shadow: 0 16px 28px rgba(9, 26, 61, 0.34);
  z-index: 10002;
}

#loan-calculator {
  position: fixed;
  left: 18px;
  bottom: 76px;
  width: min(420px, calc(100vw - 36px));
  border-radius: 16px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.98);
  box-shadow: var(--shadow-lg);
  padding: 16px;
  z-index: 10001;
  display: none;
}

#loan-calculator .calc-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}

#loan-calculator .calc-header h5 {
  margin: 0;
  color: var(--ink);
  font-size: 1.05rem;
}

.calc-close {
  border: 0;
  background: transparent;
  font-size: 1.2rem;
  line-height: 1;
  color: #607096;
}

#loan-calculator label {
  font-size: 0.85rem;
  margin-top: 9px;
  display: block;
  color: var(--muted);
  font-weight: 700;
}

#loan-calculator input,
#loan-calculator select,
#loan-calculator button {
  width: 100%;
  margin-top: 6px;
  padding: 10px 11px;
  border-radius: 10px;
  border: 1px solid var(--line);
  font-size: 0.9rem;
}

#loan-calculator button {
  border: none;
  color: #fff;
  background: linear-gradient(90deg, var(--primary), var(--aqua));
  font-weight: 800;
}

#loan-calculator .result {
  margin-top: 10px;
}

#loan-calculator .result p {
  margin-bottom: 6px;
  color: var(--muted);
}

#loan-calculator .result strong {
  color: var(--deep);
}

.calc-disclaimer {
  font-size: 0.8rem;
  line-height: 1.5;
}

.calc-apply-link {
  display: block;
  text-align: center;
  text-decoration: none;
  margin-top: 10px;
  padding: 10px 12px;
  border-radius: 10px;
  border: 1px solid rgba(0, 167, 207, 0.3);
  color: var(--primary);
  font-weight: 800;
  background: rgba(0, 167, 207, 0.08);
}

.modern-footer {
  padding: 52px 0 24px;
  background: linear-gradient(180deg, #111f57 0%, #1c2e73 100%);
  color: #cfdbf1;
}

.modern-footer-brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  text-decoration: none;
  font-weight: 800;
  font-size: 1.18rem;
}

.modern-footer-brand img {
  max-height: 34px;
}

.modern-footer p,
.modern-footer li,
.modern-footer a {
  color: #cfdbf1;
  line-height: 1.7;
  text-decoration: none;
}

.modern-footer a:hover {
  color: #8de3f7;
}

.modern-footer h4 {
  color: #fff;
  margin-bottom: 12px;
  font-size: 1rem;
}

.modern-footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-social-row {
  display: flex;
  gap: 10px;
  margin-top: 10px;
}

.footer-social-row a {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.2);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.footer-bottom-note {
  margin-top: 28px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  font-size: 0.86rem;
}

@media (max-width: 1199px) {
  .home-main {
    padding-top: 100px;
  }

  .hero-v2-copy,
  .hero-v2-panel {
    padding: 28px;
  }

  .trust-ribbon-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .journey-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 991px) {
  .section-pad {
    padding: 66px 0;
  }

  .hero-v2 {
    padding-top: 20px;
  }

  .hero-v2-copy {
    margin-bottom: 14px;
  }

  .hero-v2-metrics {
    grid-template-columns: 1fr;
  }

  .cta-band-inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 767px) {
  .home-main {
    padding-top: 90px;
  }

  .hero-v2-copy,
  .hero-v2-panel {
    border-radius: 18px;
    padding: 20px;
  }

  .hero-v2-actions,
  .cta-actions {
    width: 100%;
    flex-direction: column;
    align-items: stretch;
  }

  .hero-v2 .hero-link-btn,
  .cta-band .hero-link-btn {
    text-align: center;
    padding: 12px 14px;
    border-radius: 999px;
    border: 1px solid rgba(255, 255, 255, 0.36);
    background: rgba(255, 255, 255, 0.08);
  }

  .trust-ribbon-grid,
  .journey-grid {
    grid-template-columns: 1fr;
  }

  #calc-toggle {
    left: 12px;
    bottom: 12px;
    padding: 12px 15px;
    font-size: 0.86rem;
  }

  #loan-calculator {
    left: 12px;
    bottom: 64px;
    width: calc(100vw - 24px);
    padding: 12px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .modern-home * {
    animation: none !important;
    transition: none !important;
  }
}