:root {
  --navy: #031b4e;
  --navy-2: #082b69;
  --blue: #ed0018;
  --blue-2: #ff2b3d;
  --sky: #fff0f2;
  --ink: #071d4f;
  --muted: #61708a;
  --line: #dce5f3;
  --white: #fff;
  --green: #17855c;
  --shadow: 0 18px 50px rgba(7, 29, 79, 0.13);
  --radius: 22px;
}
* {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
body {
  margin: 0;
  font-family:
    Inter,
    ui-sans-serif,
    system-ui,
    -apple-system,
    BlinkMacSystemFont,
    "Segoe UI",
    sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.6;
}
a {
  color: inherit;
  text-decoration: none;
}
button,
input,
select,
textarea {
  font: inherit;
}
img {
  max-width: 100%;
  display: block;
}
.container {
  width: min(1160px, calc(100% - 40px));
  margin: auto;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.eyebrow.light {
  color: #ff9ca5;
}
.section {
  padding: 92px 0;
}
.section.soft {
  background: #f7f9fd;
}
.section.dark {
  background: var(--navy);
  color: #fff;
}
.section-title {
  font-size: clamp(2rem, 4vw, 3.25rem);
  line-height: 1.12;
  margin: 14px 0 18px;
  letter-spacing: -0.04em;
}
.section-copy {
  max-width: 690px;
  color: var(--muted);
  font-size: 1.08rem;
}
.section.dark .section-copy {
  color: #b8cae7;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 50px;
  padding: 0 22px;
  border-radius: 11px;
  border: 1px solid transparent;
  font-weight: 800;
  cursor: pointer;
  transition: 0.2s;
}
.btn:hover {
  transform: translateY(-2px);
}
.btn-primary {
  background: var(--blue);
  color: #fff;
  box-shadow: 0 10px 24px rgba(237, 0, 24, 0.22);
}
.btn-light {
  background: #fff;
  color: var(--blue);
}
.btn-outline {
  border-color: #b9c7db;
  background: #fff;
  color: var(--ink);
}
.btn-ghost {
  border-color: #ffffff55;
  color: #fff;
}
.btn-block {
  width: 100%;
}
.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid #e8edf6;
}
.nav {
  height: 76px;
  display: flex;
  align-items: center;
  gap: 28px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 900;
  letter-spacing: 0.04em;
}
.brand-logo {
  width: 48px;
  height: 48px;
  overflow: hidden;
  display: block;
  position: relative;
  flex: 0 0 auto;
}
.brand-logo img {
  position: absolute;
  width: 88px;
  max-width: none;
  left: -20px;
  top: -13px;
}
.brand small {
  display: block;
  color: #718099;
  font-size: 0.58rem;
  letter-spacing: 0.12em;
  margin-top: -3px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 25px;
  margin-left: auto;
  font-size: 0.92rem;
  font-weight: 700;
  color: #43526a;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--blue);
}
.nav-cta {
  margin-left: 4px;
}
.menu-toggle {
  display: none;
  margin-left: auto;
  border: 0;
  background: transparent;
  width: 42px;
  height: 42px;
  border-radius: 10px;
}
.menu-toggle span {
  display: block;
  height: 2px;
  background: var(--ink);
  margin: 6px;
}
.hero {
  background: linear-gradient(122deg, #03153f 0%, #08285d 72%, #0b3477 100%);
  color: #fff;
  overflow: hidden;
  position: relative;
}
.hero:before {
  content: "";
  position: absolute;
  width: 620px;
  height: 620px;
  border: 1px solid #ffffff1c;
  border-radius: 50%;
  right: -190px;
  top: -300px;
  box-shadow:
    0 0 0 80px #ffffff08,
    0 0 0 160px #ed00180d;
}
.hero-grid {
  min-height: 640px;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  align-items: center;
  gap: 70px;
  position: relative;
}
.hero h1 {
  font-size: clamp(3rem, 6vw, 5.15rem);
  line-height: 0.98;
  letter-spacing: -0.055em;
  margin: 22px 0;
}
.hero p {
  font-size: 1.12rem;
  color: #d4e2f8;
  max-width: 640px;
}
.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 30px;
}
.hero-note {
  font-size: 0.78rem;
  color: #a9bfdf;
  margin-top: 17px;
}
.finance-card {
  position: relative;
  background: #fff;
  color: var(--ink);
  border-radius: 28px;
  padding: 34px;
  box-shadow: 0 30px 70px #05152b66;
}
.finance-card:before {
  content: "";
  position: absolute;
  inset: -9px;
  border: 1px solid #ffffff42;
  border-radius: 34px;
}
.finance-card .label {
  font-size: 0.72rem;
  color: #6b7990;
  font-weight: 800;
  letter-spacing: 0.1em;
}
.finance-card .amount {
  font-size: 3.2rem;
  line-height: 1;
  color: var(--blue);
  font-weight: 900;
  letter-spacing: -0.05em;
  margin: 14px 0;
}
.mini-list {
  display: grid;
  gap: 12px;
  margin: 25px 0;
}
.mini-row {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 0.93rem;
}
.check {
  width: 24px;
  height: 24px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: #e8f7f1;
  color: var(--green);
  font-weight: 900;
  flex: 0 0 auto;
}
.trust-strip {
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.trust-item {
  padding: 25px 18px;
  display: flex;
  gap: 12px;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.86rem;
  border-right: 1px solid var(--line);
}
.trust-item:last-child {
  border: 0;
}
.trust-icon {
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: var(--sky);
  color: var(--blue);
  display: grid;
  place-items: center;
}
.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 42px;
}
.info-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  background: #fff;
  transition: 0.2s;
}
.info-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow);
}
.info-card .icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  background: var(--sky);
  color: var(--blue);
  font-weight: 900;
  margin-bottom: 22px;
}
.info-card h3 {
  font-size: 1.25rem;
  margin: 0 0 10px;
}
.info-card p {
  color: var(--muted);
  margin: 0;
}
.proof-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 64px;
  align-items: center;
}
.office-photo {
  aspect-ratio: 2.08/1;
  border-radius: 28px;
  border: 1px solid #d5e0ef;
  position: relative;
  overflow: hidden;
  background: #eef2f8;
  box-shadow: var(--shadow);
}
.office-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}
.office-caption {
  position: absolute;
  left: 18px;
  bottom: 16px;
  background: rgba(3, 27, 78, 0.9);
  color: #fff;
  border-left: 4px solid var(--blue);
  padding: 10px 13px;
  border-radius: 6px;
  font-size: 0.78rem;
  font-weight: 800;
}
.proof-list {
  display: grid;
  gap: 14px;
  margin: 28px 0;
}
.proof-row {
  border: 1px solid var(--line);
  padding: 17px 18px;
  border-radius: 14px;
  display: flex;
  gap: 13px;
  align-items: flex-start;
}
.proof-row b {
  display: block;
}
.proof-row span {
  color: var(--muted);
  font-size: 0.9rem;
}
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 44px;
  counter-reset: step;
}
.step {
  position: relative;
  border-top: 1px solid #adc7f6;
  padding-top: 25px;
}
.step:before {
  counter-increment: step;
  content: "0" counter(step);
  font-size: 0.8rem;
  color: var(--blue);
  font-weight: 900;
  letter-spacing: 0.1em;
}
.step h3 {
  font-size: 1.3rem;
  margin: 9px 0;
}
.step p {
  color: var(--muted);
}
.testimonial {
  margin-top: 44px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 26px;
  padding: 35px;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 22px;
  align-items: start;
}
.avatar {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--sky);
  color: var(--blue);
  display: grid;
  place-items: center;
  font-weight: 900;
}
.quote {
  font-size: 1.18rem;
  margin: 0 0 14px;
}
.quote-meta {
  font-size: 0.85rem;
  color: var(--muted);
}
.bank-network {
  background: #f7f9fd;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.bank-network-head {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 60px;
  align-items: end;
}
.bank-network-head .section-copy {
  margin: 0 0 18px;
}
.bank-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-top: 38px;
}
.bank-logo-card {
  min-height: 116px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px 22px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
  box-shadow: 0 14px 35px rgba(5, 27, 64, 0.06);
}
.bank-logo-card img {
  display: block;
  width: auto;
  max-width: 100%;
  max-height: 54px;
  object-fit: contain;
}
.bank-logo-card.maybank img {
  max-height: 48px;
}
.bank-logo-card.public-bank img,
.bank-logo-card.ambank img {
  max-height: 62px;
}
.bank-logo-card.alliance img {
  max-height: 58px;
}
.bank-disclaimer {
  max-width: 920px;
  margin: 22px 0 0;
  color: var(--muted);
  font-size: 0.76rem;
}
.faq-list {
  max-width: 860px;
  margin: 38px auto 0;
}
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-q {
  width: 100%;
  padding: 22px 0;
  border: 0;
  background: transparent;
  display: flex;
  justify-content: space-between;
  text-align: left;
  font-weight: 800;
  color: var(--ink);
  cursor: pointer;
}
.faq-q span:last-child {
  color: var(--blue);
  font-size: 1.3rem;
}
.faq-a {
  display: none;
  padding: 0 40px 22px 0;
  color: var(--muted);
}
.faq-item.open .faq-a {
  display: block;
}
.cta-band {
  border-radius: 30px;
  background: linear-gradient(120deg, #031b4e, #0a3276);
  color: white;
  padding: 52px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 40px;
  align-items: center;
  box-shadow:
    inset 7px 0 0 var(--blue),
    var(--shadow);
}
.cta-band h2 {
  font-size: clamp(2rem, 4vw, 3.1rem);
  line-height: 1.08;
  margin: 0 0 12px;
}
.cta-band p {
  color: #cbdcf7;
  margin: 0;
}
.page-hero {
  padding: 100px 0 72px;
  background: linear-gradient(125deg, #f3f7ff, #fff);
  border-bottom: 1px solid var(--line);
}
.page-hero h1 {
  font-size: clamp(2.7rem, 5vw, 4.7rem);
  line-height: 1;
  letter-spacing: -0.05em;
  margin: 18px 0;
}
.page-hero p {
  max-width: 700px;
  color: var(--muted);
  font-size: 1.1rem;
}
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 15px;
}
.stat {
  padding: 23px;
  border-radius: 18px;
  background: var(--sky);
}
.stat b {
  display: block;
  font-size: 1.6rem;
  color: var(--blue);
}
.bullet-list {
  display: grid;
  gap: 15px;
  margin: 28px 0;
}
.bullet {
  display: flex;
  gap: 13px;
}
.eligibility-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-top: 35px;
}
.eligible {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #fff;
}
.eligible b {
  display: block;
  margin-bottom: 5px;
}
.eligible span {
  color: var(--muted);
  font-size: 0.92rem;
}
.form-card {
  border: 1px solid var(--line);
  border-radius: 26px;
  padding: 32px;
  background: #fff;
  box-shadow: var(--shadow);
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.field {
  display: grid;
  gap: 7px;
}
.field.full {
  grid-column: 1/-1;
}
.field label {
  font-size: 0.82rem;
  font-weight: 800;
  color: #40506a;
}
.field input,
.field select,
.field textarea {
  width: 100%;
  border: 1px solid #cfd9e8;
  border-radius: 11px;
  padding: 13px 14px;
  background: #fff;
  color: var(--ink);
  outline: none;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px #ed001817;
}
.consent {
  font-size: 0.76rem;
  color: var(--muted);
  display: flex;
  gap: 9px;
  align-items: flex-start;
}
.form-status {
  font-size: 0.84rem;
  color: var(--green);
  min-height: 22px;
}
.contact-card {
  display: block;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 23px;
  margin-bottom: 15px;
}
.contact-card b {
  display: block;
}
.contact-card span {
  color: var(--muted);
}
.legal-copy {
  max-width: 850px;
}
.legal-copy h2 {
  margin-top: 40px;
}
.legal-copy p,
.legal-copy li {
  color: #55657d;
}
.site-footer {
  background: #03163f;
  color: #fff;
  padding: 70px 0 28px;
  margin-top: 80px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 45px;
}
.footer-brand p {
  color: #9fb2d1;
  max-width: 330px;
}
.footer-col h4 {
  margin: 0 0 18px;
}
.footer-col a {
  display: block;
  color: #aebfda;
  font-size: 0.9rem;
  margin: 10px 0;
}
.footer-bottom {
  border-top: 1px solid #ffffff1b;
  margin-top: 48px;
  padding-top: 22px;
  color: #8499ba;
  font-size: 0.76rem;
}
.quick-launcher {
  position: fixed;
  right: 24px;
  bottom: 24px;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  border: 0;
  background: var(--blue);
  color: white;
  box-shadow: 0 14px 30px #0b2d6a55;
  z-index: 60;
  font-size: 1.35rem;
  cursor: pointer;
}
.quick-panel {
  position: fixed;
  right: 24px;
  bottom: 94px;
  width: min(350px, calc(100% - 32px));
  background: #fff;
  border-radius: 20px;
  box-shadow: 0 22px 60px #061a3d44;
  z-index: 59;
  overflow: hidden;
  display: none;
  border: 1px solid var(--line);
}
.quick-panel.open {
  display: block;
}
.quick-head {
  background: var(--blue);
  color: white;
  padding: 19px 20px;
}
.quick-head b {
  display: block;
}
.quick-head span {
  font-size: 0.78rem;
  color: #d8e6ff;
}
.quick-body {
  padding: 18px;
}
.quick-msg {
  background: #eff4ff;
  border-radius: 12px;
  padding: 12px;
  font-size: 0.88rem;
  margin-bottom: 12px;
}
.quick-option {
  width: 100%;
  border: 1px solid #c8d7f2;
  background: white;
  color: var(--navy-2);
  border-radius: 10px;
  padding: 11px;
  text-align: left;
  margin-top: 8px;
  font-weight: 700;
  cursor: pointer;
}
.quick-whatsapp {
  display: block;
  margin-top: 13px;
  background: #1fa868;
  color: white;
  padding: 12px;
  border-radius: 10px;
  text-align: center;
  font-weight: 800;
}
.notice {
  background: #eaf8f1;
  border: 1px solid #c1e7d5;
  color: #176448;
  border-radius: 14px;
  padding: 16px;
}
.warning {
  background: #fff6e6;
  border: 1px solid #f1d9aa;
  color: #775414;
  border-radius: 14px;
  padding: 16px;
}
.mobile-only {
  display: none;
}
@media (max-width: 900px) {
  .nav {
    height: 68px;
  }
  .menu-toggle {
    display: block;
  }
  .nav-links {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 68px;
    background: #fff;
    padding: 18px 20px 24px;
    box-shadow: 0 18px 30px #0b285222;
    flex-direction: column;
    align-items: stretch;
  }
  .nav-links.open {
    display: flex;
  }
  .nav-cta {
    margin: 0;
  }
  .hero-grid,
  .proof-grid,
  .split,
  .bank-network-head {
    grid-template-columns: 1fr;
  }
  .hero-grid {
    padding: 75px 0;
    gap: 45px;
  }
  .hero h1 {
    font-size: 3.25rem;
  }
  .trust-grid {
    grid-template-columns: 1fr 1fr;
  }
  .trust-item:nth-child(2) {
    border-right: 0;
  }
  .trust-item:nth-child(-n + 2) {
    border-bottom: 1px solid var(--line);
  }
  .cards-3,
  .steps {
    grid-template-columns: 1fr;
  }
  .bank-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .section {
    padding: 70px 0;
  }
  .cta-band {
    grid-template-columns: 1fr;
    padding: 35px;
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
  .form-grid {
    grid-template-columns: 1fr;
  }
  .field.full {
    grid-column: auto;
  }
  .office-photo {
    aspect-ratio: 1.65/1;
  }
}
@media (max-width: 560px) {
  .container {
    width: min(100% - 28px, 1160px);
  }
  .hero-grid {
    min-height: auto;
    padding: 58px 0;
  }
  .hero h1 {
    font-size: 2.75rem;
  }
  .hero-actions .btn {
    width: 100%;
  }
  .finance-card {
    padding: 25px;
  }
  .finance-card .amount {
    font-size: 2.7rem;
  }
  .trust-grid,
  .eligibility-grid,
  .stat-grid {
    grid-template-columns: 1fr;
  }
  .bank-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
  }
  .bank-logo-card {
    min-height: 92px;
    padding: 18px 14px;
  }
  .trust-item {
    border-right: 0 !important;
    border-bottom: 1px solid var(--line);
  }
  .section-title {
    font-size: 2.2rem;
  }
  .testimonial {
    grid-template-columns: 1fr;
  }
  .cta-band {
    padding: 29px;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .quick-launcher {
    right: 16px;
    bottom: 16px;
  }
  .quick-panel {
    right: 16px;
    bottom: 84px;
  }
  .page-hero {
    padding: 72px 0 55px;
  }
  .page-hero h1 {
    font-size: 2.8rem;
  }
}