/* =========================================================
   GLOBAL BASE
========================================================= */
html, body {
  min-height: 100%;
  margin: 0;
  font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
  color: #1f2937;
}

/* Full-site background image */
body {
  background: url("bg.jpg") no-repeat center center fixed;
  background-size: cover;
}

/* Soft overlay for readability */
.page-overlay {
  min-height: 100vh;
  background: rgba(244, 246, 248, 0.88);
  display: flex;
  align-items: center;
  justify-content: center;
}

/* =========================================================
   BRANDING
========================================================= */
.brand-tagline {
  font-size: 0.9rem;
  color: #6b7280;
}

/* =========================================================
   HOME / HERO
========================================================= */
.hero-card {
  background: #ffffff;
  padding: 2.4rem 2rem;
  border-radius: 1.2rem;
  max-width: 420px;
  width: 92%;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.12);
}

.hero-title {
  font-weight: 800;
  font-size: 1.7rem;
}

.hero-subtitle {
  font-size: 1rem;
  color: #374151;
  margin-bottom: 1.6rem;
}

/* Checklist */
.check-list {
  list-style: none;
  padding: 0;
  margin: 1.4rem 0 2rem;
}

.check-list li {
  position: relative;
  padding-left: 2rem;
  margin-bottom: 0.8rem;
  font-weight: 500;
}

.check-list li::before {
  content: "✔";
  position: absolute;
  left: 0;
  color: #16a34a;
  font-weight: bold;
}

/* CTA Button */
.btn-apply {
  background: linear-gradient(90deg, #16a34a, #22c55e);
  border: none;
  color: #ffffff;
  font-weight: 600;
  padding: 0.85rem;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.btn-apply:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 22px rgba(0, 0, 0, 0.2);
}

/* Trust section */
.trust-box {
  font-size: 0.85rem;
  color: #4b5563;
}

.trust-box div {
  margin-top: 0.4rem;
}

/* =========================================================
   ELIGIBILITY PAGE
========================================================= */
.eligibility-wrapper {
  max-width: 460px;
  width: 95%;
}

.eligibility-card {
  background: #ffffff;
  padding: 2.4rem 2rem;
  border-radius: 1.2rem;
  box-shadow: 0 15px 35px rgba(0,0,0,0.12);
}

.eligibility-title {
  font-weight: 800;
  font-size: 1.6rem;
}

.eligibility-subtitle {
  font-size: 0.95rem;
  color: #4b5563;
}

.eligibility-trust {
  font-size: 0.85rem;
  color: #374151;
}

.eligibility-trust div {
  margin-top: 0.35rem;
}

/* =========================================================
   APPLY PAGE
========================================================= */
.apply-wrapper {
  max-width: 720px;
  width: 95%;
}

.apply-greeting {
  font-size: 0.95rem;
}

.recent-loans {
  background: #eaf5e7;
  border-left: 4px solid #16a34a;
  padding: 0.6rem 1rem;
  border-radius: 0.5rem;
  font-size: 0.85rem;
}

.apply-card {
  background: #ffffff;
  padding: 2rem;
  border-radius: 1.2rem;
  box-shadow: 0 15px 35px rgba(0,0,0,0.12);
}

.apply-title {
  font-weight: 800;
  font-size: 1.4rem;
}

/* Loan grid */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1rem;
}

.loan-option {
  background: #f8fafc;
  border: 2px solid #e5e7eb;
  border-radius: 0.9rem;
  padding: 1rem;
  cursor: pointer;
  transition: all 0.2s ease;
}

.loan-option:hover {
  transform: translateY(-2px);
  border-color: #22c55e;
}

.loan-option.selected,
.loan-option.active {
  background: #ecfdf5;
  border-color: #16a34a;
}

.loan-amount {
  font-weight: 700;
  color: #15803d;
  font-size: 1.05rem;
}

.processing-fee {
  font-size: 0.8rem;
  color: #6b7280;
}

.validation-error {
  color: #dc2626;
  font-size: 0.85rem;
  display: none;
}

/* =========================================================
   DASHBOARD / STATUS
========================================================= */
.status-card {
  background: #ffffff;
  padding: 1.6rem;
  border-radius: 1.2rem;
  box-shadow: 0 15px 35px rgba(0,0,0,0.12);
}

.status-badge {
  display: inline-block;
  padding: 0.4rem 1rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 700;
}

.status-approved {
  background: #dcfce7;
  color: #166534;
}

.status-pending {
  background: #fef9c3;
  color: #854d0e;
}

.status-failed {
  background: #fee2e2;
  color: #991b1b;
}

/* =========================================================
   FOOTER
========================================================= */
.site-footer {
  font-size: 0.8rem;
  color: #6b7280;
}

.site-footer a {
  color: #16a34a;
  text-decoration: none;
  font-weight: 500;
}

.site-footer a:hover {
  text-decoration: underline;
}

/* =========================================================
   RESPONSIVE
========================================================= */
@media (max-width: 480px) {
  .hero-card,
  .eligibility-card,
  .apply-card,
  .status-card {
    padding: 1.8rem 1.4rem;
  }
}
.brand-tagline {
  color: #dc2626; /* red */
}