/* SingaLoan - Minimalist Style */
:root {
  /* Theme palette */
  --Primary-Shade-0: #054258;
  --Primary-Main: #0b698b;
  --Primary-Shade-1: #0396a6;
  --Primary-Shade-2: #dde8f0;
  --Foreground-Title: #3b3b3b;
  --Foreground-Primary-text: #515164;
  --Foreground-Secondary-text: #9c9cac;
  --Foreground-Border: #d0d5dd;
  --Foreground-Dividor: #f2f4f7;
  --Status-Success: #0396a6;
  --Status-Warning: #f49922;
  --Status-Reject: #fd5c63;
  --Status-Overdue: #cb0707;
  --Special-Always-Dark: #000;
  --Special-Mask: rgba(0, 0, 0, 0.7);
  --Special-Always-white: #fff;
  --Special-Star: #ebc500;
  --Background-1-pages: #f0f0f0;
  --Background-2-cards-panels: #fff;
  --Complementary-Main: #ffc973;
  --Complementary-Shade-0: #eab875;
  --Complementary-Shade-1: #ffe3b3;
  --Primary-Main-50: rgba(11, 105, 139, 0.5);

  /* Semantic mapping */
  --primary: var(--Primary-Main);
  --primary-dark: var(--Primary-Shade-0);
  --accent: var(--Primary-Shade-1);
  --text: var(--Foreground-Title);
  --text-light: var(--Foreground-Secondary-text);
  --bg: var(--Background-2-cards-panels);
  --bg-alt: var(--Primary-Shade-2);
  --border: var(--Foreground-Border);
  --radius: 14px;
  --max-width: 1080px;
  --shadow: 0 6px 24px rgba(5, 66, 88, 0.1);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a {
  color: var(--primary);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 20px;
  color: var(--text);
}

.brand:hover {
  text-decoration: none;
}

.brand .logo {
  width: 36px;
  height: 36px;
  border-radius: 9px;
  display: inline-block;
  object-fit: contain;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
}

.nav-links a {
  color: var(--text-light);
  font-size: 15px;
  font-weight: 500;
}

.nav-links a:hover {
  color: var(--primary);
  text-decoration: none;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.btn-primary {
  background: var(--primary);
  color: #fff;
}

.btn-primary:hover {
  background: var(--primary-dark);
  text-decoration: none;
  transform: translateY(-1px);
  box-shadow: var(--shadow);
}

/* Hero */
.hero {
  padding: 88px 0 72px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}

.hero h1 {
  font-size: 52px;
  line-height: 1.12;
  font-weight: 800;
  letter-spacing: -1px;
  margin-bottom: 20px;
}

.hero p.lead {
  font-size: 19px;
  color: var(--text-light);
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-visual {
  display: flex;
  justify-content: center;
}

.hero-phone {
  width: 300px;
  max-width: 100%;
  height: auto;
  display: block;
  filter: drop-shadow(0 18px 40px rgba(5, 66, 88, 0.18));
}

/* Sections */
section {
  padding: 72px 0;
}

section.alt {
  background: var(--bg-alt);
}

.section-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 48px;
}

.section-head h2 {
  font-size: 34px;
  font-weight: 800;
  letter-spacing: -0.5px;
  margin-bottom: 12px;
}

.section-head p {
  color: var(--text-light);
  font-size: 17px;
}

/* Stats */
.stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.stat {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
}

.stat .num {
  font-size: 36px;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 6px;
}

.stat .label {
  color: var(--text-light);
  font-size: 15px;
}

/* Steps */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
}

.step .step-num {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--bg-alt);
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 18px;
  margin-bottom: 18px;
}

.step h3 {
  font-size: 19px;
  font-weight: 700;
  margin-bottom: 8px;
}

.step p {
  color: var(--text-light);
  font-size: 15px;
}

/* Features */
.features {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.feature {
  padding: 28px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: #fff;
}

.feature .icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--Primary-Shade-2), var(--Foreground-Dividor));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--Primary-Main);
  margin-bottom: 16px;
}

.feature .icon svg {
  width: 24px;
  height: 24px;
}

.feature h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 8px;
}

.feature p {
  color: var(--text-light);
  font-size: 15px;
}

/* FAQ */
.faq {
  max-width: 760px;
  margin: 0 auto;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 14px;
  background: #fff;
  overflow: hidden;
}

.faq-item summary {
  cursor: pointer;
  padding: 20px 24px;
  font-weight: 600;
  font-size: 16px;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  font-size: 22px;
  color: var(--text-light);
  font-weight: 400;
}

.faq-item[open] summary::after {
  content: "\2212";
}

.faq-item .faq-body {
  padding: 0 24px 20px;
  color: var(--text-light);
  font-size: 15px;
}

/* CTA */
.cta {
  text-align: center;
  background: linear-gradient(135deg, var(--Primary-Main), var(--Primary-Shade-1));
  border-radius: 24px;
  padding: 64px 32px;
  color: #fff;
  margin: 24px 0;
}

.cta h2 {
  font-size: 34px;
  font-weight: 800;
  margin-bottom: 14px;
}

.cta p {
  font-size: 18px;
  opacity: 0.92;
  margin-bottom: 28px;
}

.btn-light {
  background: #fff;
  color: var(--primary);
}

.btn-light:hover {
  text-decoration: none;
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.18);
}

/* Footer */
.site-footer {
  background: var(--Primary-Shade-0);
  color: #cfe0e8;
  padding: 56px 0 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.site-footer .brand {
  color: #fff;
  margin-bottom: 14px;
}

.site-footer p {
  font-size: 14px;
  color: #a9c3ce;
  max-width: 320px;
}

.footer-col h4 {
  color: #fff;
  font-size: 15px;
  margin-bottom: 16px;
  font-weight: 700;
}

.footer-col ul {
  list-style: none;
}

.footer-col li {
  margin-bottom: 10px;
}

.footer-col a {
  color: #a9c3ce;
  font-size: 14px;
}

.footer-col a:hover {
  color: #fff;
  text-decoration: none;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 24px;
  font-size: 13px;
  color: #8bb0bf;
  text-align: center;
}

/* Legal pages */
.legal {
  padding: 56px 0 72px;
}

.legal .legal-inner {
  max-width: 820px;
  margin: 0 auto;
}

.legal h1 {
  font-size: 38px;
  font-weight: 800;
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}

.legal .updated {
  color: var(--text-light);
  font-size: 14px;
  margin-bottom: 32px;
}

.legal h2 {
  font-size: 22px;
  font-weight: 700;
  margin: 36px 0 12px;
}

.legal h3 {
  font-size: 17px;
  font-weight: 700;
  margin: 24px 0 8px;
}

.legal p {
  color: var(--Foreground-Primary-text);
  margin-bottom: 14px;
  font-size: 15.5px;
}

.legal ul,
.legal ol {
  margin: 0 0 16px 24px;
  color: var(--Foreground-Primary-text);
  font-size: 15.5px;
}

.legal li {
  margin-bottom: 8px;
}

.legal .notice {
  background: var(--bg-alt);
  border-left: 4px solid var(--primary);
  padding: 16px 20px;
  border-radius: 8px;
  margin: 20px 0;
  font-size: 14.5px;
}

.legal .toc {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 26px;
  margin-bottom: 36px;
}

.legal .toc h4 {
  font-size: 15px;
  margin-bottom: 12px;
}

.legal .toc ul {
  list-style: none;
  margin: 0;
  columns: 2;
}

.legal .toc li {
  margin-bottom: 8px;
  font-size: 14px;
}

/* Responsive */
@media (max-width: 860px) {
  .hero-grid,
  .stats,
  .steps,
  .features,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero {
    padding: 56px 0 40px;
  }

  .hero h1 {
    font-size: 38px;
  }

  .hero-visual {
    display: none;
  }

  .nav-links {
    display: none;
  }

  .legal .toc ul {
    columns: 1;
  }

  section {
    padding: 48px 0;
  }
}