:root {
    --m1-dark-teal: #1a4f61;   
    --m1-light-green: #a7f3d0; 
    --accent-orange: #ffcc00;  
    --white: #ffffff;
    --text-dark: #333333;
    --bg-light: #f4f7f9;
    --whatsapp-green: #25d366;
}


body {
    font-family: "Helvetica Neue", Helvetica, Arial, "Microsoft JhengHei", sans-serif;
    margin: 0; 
    padding: 0;
    color: var(--text-dark);
    background-color: var(--white);
    scroll-behavior: smooth;
    overflow-x: hidden;
}


nav {
    display: flex;
    justify-content: space-between;
    padding: 15px 5%;
    background: var(--white);
    align-items: center;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
    position: sticky; 
    top: 0; 
    z-index: 1001;
}

.main-logo { 
    height: 45px; 
    width: auto; 
}

.menu a {
    text-decoration: none;
    color: var(--m1-dark-teal);
    margin: 0 15px;
    font-weight: 500;
}

.cta-button-small {
    background-color: var(--accent-orange);
    color: #000 !important;
    padding: 8px 18px;
    border-radius: 5px;
    font-weight: bold;
    text-decoration: none;
}


.hero {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 60px 10%;
    background-color: var(--m1-dark-teal);
    color: var(--white);
}

.hero h1 { font-size: 2.2rem; margin-bottom: 10px; }
.hero-subtitle { font-size: 1.1rem; color: var(--m1-light-green); margin-bottom: 25px; }
.hero-subtitle, .about-text p {
    line-height: 1.8; 
    letter-spacing: 0.02em; 
    max-width: 700px; 
}

.check-list {
    list-style: none; 
    padding: 0;
    display: inline-block; 
    text-align: left;
    margin-bottom: 30px;
}

.check-list li { margin-bottom: 12px; font-size: 1.1rem; }
.check-list i { color: var(--m1-light-green); margin-right: 10px; }

.cta-button-large {
    background-color: var(--accent-orange);
    color: #000; 
    padding: 16px 45px;
    font-size: 1.2rem; 
    font-weight: bold;
    text-decoration: none; 
    border-radius: 8px;
    display: inline-block;
    transition: transform 0.2s;
}

.hero-image {
    max-width: 100%;
    height: auto;
    max-height: 350px; 
    object-fit: cover; 
    border-radius: 15px;
    margin-top: 20px;
}


.about-image img {
    max-height: 300px;
    width: auto;
    border-radius: 15px;
}
.cta-button-large:hover { transform: translateY(-2px); }

.hero-subtitle {
    font-size: 1.15rem;
    line-height: 1.6;
    max-width: 600px; 
    margin-bottom: 30px;
}

.hero-stats {
    display: flex;
    gap: 30px;
    margin-top: 40px;
    padding-top: 30px;
    border-top: 1px solid rgba(167, 243, 208, 0.2); 
}

.stat-item {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--accent-orange);
}

.stat-label {
    font-size: 0.85rem;
    color: var(--m1-light-green);
    text-transform: uppercase;
    letter-spacing: 1px;
}


.form-section { padding: 60px 5%; background-color: var(--bg-light); }
.form-container {
    background: var(--white); 
    padding: 30px;
    border-radius: 12px; 
    box-shadow: 0 5px 20px rgba(0,0,0,0.05);
    max-width: 450px; 
    margin: 0 auto;
}

.form-group { margin-bottom: 18px; text-align: left; }
.form-group label { font-weight: bold; display: block; margin-bottom: 8px; }
.form-group input, .form-group select {
    width: 100%; 
    padding: 12px; 
    border: 1px solid #ccd6dd;
    border-radius: 6px; 
    box-sizing: border-box;
}

.checkbox-group { display: flex; align-items: flex-start; gap: 10px; }
.checkbox-group input { width: auto; margin-top: 5px; }
.label-inline { font-weight: normal !important; font-size: 0.85rem; }

.submit-btn {
    width: 100%; 
    background: var(--m1-dark-teal);
    color: var(--white); 
    border: none; 
    padding: 16px;
    font-size: 1.1rem; 
    font-weight: bold; 
    border-radius: 6px; 
    cursor: pointer;
}

.services-overview {
    background-color: var(--m1-dark-teal);
    color: var(--white); 
    padding: 60px 10%; 
    text-align: center;
}

.services-logo { height: 60px; margin-bottom: 30px; }
.service-cards { display: flex; flex-direction: column; align-items: center; gap: 20px; }
.card {
    background: rgba(255, 255, 255, 0.08); 
    padding: 25px;
    border-radius: 12px; 
    width: 100%; 
    max-width: 300px;
}
.card-icon { font-size: 2.5rem; color: var(--m1-light-green); margin-bottom: 15px; }

.about-us { padding: 60px 10%; text-align: center; }
.about-content { display: flex; flex-direction: column; align-items: center; gap: 30px; }

.how-it-works {
    padding: 80px 10%;
    background-color: var(--white);
    text-align: center;
}

.how-it-works h2 {
    color: var(--m1-dark-teal);
    margin-bottom: 50px;
    font-size: 2.2rem;
}

.steps-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 30px;
}

.step-card {
    background: var(--bg-light);
    padding: 40px 30px;
    border-radius: 15px;
    position: relative;
    transition: transform 0.3s ease;
}

.step-card:hover {
    transform: translateY(-10px);
}

.step-number {
    font-size: 3rem;
    font-weight: 800;
    color: var(--m1-light-green);
    opacity: 0.5;
    position: absolute;
    top: 10px;
    right: 20px;
}

.step-card h4 {
    color: var(--m1-dark-teal);
    font-size: 1.4rem;
    margin-bottom: 15px;
    position: relative;
}

.step-card p {
    color: #666;
    line-height: 1.6;
}


.loan-types {
    padding: 60px 5%; 
    background-color: var(--m1-dark-teal);
    color: var(--white); 
    text-align: center;
}
.loan-cards { display: flex; flex-direction: column; align-items: center; gap: 25px; }
.loan-card {
    background: var(--white); 
    color: var(--text-dark);
    padding: 30px; 
    border-radius: 15px; 
    width: 100%; 
    max-width: 350px;
}
.icon-type { font-size: 2.5rem; color: var(--accent-orange); margin-bottom: 15px; }

.card-actions {
    margin-top: 20px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    align-items: center;
}

.btn-apply {
    background-color: var(--accent-orange);
    color: #000;
    text-decoration: none;
    padding: 10px 25px;
    border-radius: 6px;
    font-weight: bold;
    width: 100%;
    max-width: 200px;
    transition: transform 0.2s;
}

.btn-whatsapp-link {
    color: var(--whatsapp-green);
    text-decoration: none;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 6px;
}

.photo-shoutout-banner {
    background: linear-gradient(rgba(26, 79, 97, 0.9), rgba(26, 79, 97, 0.9)), url('../img/shoutout-bg.jpg');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    color: var(--white);
    padding: 80px 10%;
    text-align: center;
}

.photo-shoutout-banner h2 { font-size: 2.5rem; color: var(--accent-orange); margin-bottom: 20px; }
.photo-shoutout-banner p { font-size: 1.2rem; line-height: 1.8; margin-bottom: 30px; }

.shoutout-btn {
    display: inline-block;
    padding: 18px 50px;
    background-color: var(--accent-orange);
    color: #000;
    text-decoration: none;
    font-weight: bold;
    border-radius: 50px;
}

.calculator-section { padding: 60px 5%; background-color: var(--white); text-align: center; }
.calculator-container { 
    max-width: 900px; 
    margin: 0 auto; 
    background: var(--bg-light); 
    padding: 40px; 
    border-radius: 20px; 
    box-shadow: 0 10px 30px rgba(0,0,0,0.05); 
}

.calc-grid { display: grid; grid-template-columns: 1fr; gap: 40px; }
.input-group { margin-bottom: 25px; text-align: left; }
.input-group label { display: block; font-weight: bold; margin-bottom: 10px; color: var(--m1-dark-teal); }

.slider { width: 100%; height: 8px; border-radius: 5px; background: #ddd; -webkit-appearance: none; outline: none; }
.slider::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%; background: var(--accent-orange); cursor: pointer; border: 3px solid var(--white); }

.rate-options { display: flex; gap: 10px; }
.rate-btn { flex: 1; padding: 10px; border: 2px solid var(--m1-dark-teal); background: transparent; color: var(--m1-dark-teal); border-radius: 8px; cursor: pointer; font-weight: bold; }
.rate-btn.active { background: var(--m1-dark-teal); color: var(--white); }

.calc-results { 
    background: var(--m1-dark-teal); 
    color: var(--white); 
    padding: 30px; 
    border-radius: 15px; 
    display: flex; 
    flex-direction: column; 
    justify-content: center; 
    gap: 20px; 
}

.result-item h2 { font-size: 2.2rem; color: var(--accent-orange); margin: 5px 0; }

.calc-apply-btn { 
    display: block;
    width: fit-content;
    margin: 10px auto 0 auto; 
    background-color: var(--accent-orange);
    color: #000;
    padding: 12px 30px;
    text-decoration: none;
    font-weight: bold;
    border-radius: 5px;
}

.why-choose-us-points { margin-bottom: 60px; text-align: center; }
.selling-points-grid { display: grid; grid-template-columns: 1fr; gap: 20px; margin-bottom: 40px; }
.point-item { background: var(--white); padding: 20px; border-radius: 12px; box-shadow: 0 4px 15px rgba(0,0,0,0.05); }
.point-item i { font-size: 2rem; color: var(--accent-orange); margin-bottom: 15px; }

.loan-example { padding: 60px 5%; text-align: center; }
.example-box {
    background: #f8fafb; 
    border: 1px solid #e1e8ed;
    border-radius: 15px; 
    padding: 30px; 
    max-width: 500px; 
    margin: 0 auto;
}

.example-content p { display: flex; justify-content: space-between; border-bottom: 1px dashed #ced4da; padding-bottom: 8px; margin: 15px 0; }
.total { color: var(--m1-dark-teal); font-weight: bold; border: none !important; }

.whatsapp-float {
    position: fixed; bottom: 20px; right: 20px;
    background-color: var(--whatsapp-green); 
    color: white; 
    padding: 12px 20px;
    border-radius: 50px; 
    text-decoration: none; 
    z-index: 1000;
    display: flex; 
    align-items: center; 
    gap: 8px; 
    font-weight: bold;
}

   .thank-you-wrapper {
    min-height: 80vh;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--bg-light) 0%, #e0e7ff 100%);
    padding: 20px;
}

.thank-you-card {
    background: var(--white);
    padding: 50px 40px;
    border-radius: 20px;
    box-shadow: 0 15px 35px rgba(0,0,0,0.1);
    max-width: 500px;
    width: 100%;
    text-align: center;
    animation: fadeIn 0.8s ease-out;
}

.success-icon {
    font-size: 4rem;
    color: var(--whatsapp-green);
    margin-bottom: 20px;
    animation: scaleUp 0.5s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}

.thank-you-card h1 {
    color: var(--m1-dark-teal);
    margin-bottom: 15px;
    font-size: 2rem;
}

.thank-you-message {
    color: #666;
    line-height: 1.6;
    margin-bottom: 30px;
}

.next-steps {
    background: var(--bg-light);
    padding: 20px;
    border-radius: 12px;
    text-align: left;
    margin-bottom: 30px;
}

.next-steps ul {
    margin: 10px 0 0 20px;
    padding: 0;
    color: #555;
    font-size: 0.95rem;
}

.whatsapp-btn-full {
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--whatsapp-green);
    color: white;
    text-decoration: none;
    padding: 15px;
    border-radius: 10px;
    font-weight: bold;
    font-size: 1.1rem;
    gap: 10px;
    transition: transform 0.2s;
}

.whatsapp-btn-full:hover {
    transform: translateY(-3px);
    box-shadow: 0 5px 15px rgba(37, 211, 102, 0.3);
}

.back-home-link {
    display: inline-block;
    margin-top: 20px;
    color: var(--m1-dark-teal);
    text-decoration: none;
    font-weight: 500;
    font-size: 0.95rem;
    border-bottom: 1px solid transparent;
}

.back-home-link:hover {
    border-bottom: 1px solid var(--m1-dark-teal);
}

footer { padding: 40px 10%; background: var(--bg-light); text-align: center; }
.warning-hk { font-weight: bold; display: block; margin-bottom: 10px; }

#cookieConsent { position: fixed; bottom: 0; width: 100%; background: #333; color: #fff; text-align: center; padding: 10px; z-index: 1000; }
#acceptCookies { background: #c14541; color: #fff; border: none; padding: 10px 20px; cursor: pointer; }

@media (min-width: 769px) {
    .hero, .about-content { flex-direction: row; text-align: left; align-items: center; justify-content: space-between; gap: 60px; }
    .hero-left, .about-text { flex: 1.2; max-width: 600px; }
    .hero h1 { font-size: 3rem; }
    
    .service-cards, .loan-cards { flex-direction: row; justify-content: center; flex-wrap: wrap; }
    .card-actions { flex-direction: row; justify-content: center; }
    .btn-apply { width: auto; }
    
    .calc-grid { grid-template-columns: 1.5fr 1fr; }
    .selling-points-grid { grid-template-columns: repeat(4, 1fr); }

    .hero-right, .about-image {
        flex: 1;
        width: 100%;
        display: flex;
        justify-content: center;
        order: 2; 
    }
    
    .hero-left, .about-text {
        order: 1; 
    }
    .check-list {
        margin-left: 0;
        display: block;
    }
        .steps-grid {
        grid-template-columns: repeat(3, 1fr); 
    }
    
    .about-text p {
        font-size: 1.1rem;
        margin-bottom: 20px;
    }
        .hero {
        padding: 100px 10%; 
        min-height: 600px;
        align-items: center;
    }
    
    .hero-left {
        flex: 1.4; 
    }

    .hero h1 {
        font-size: 3.5rem; 
        line-height: 1.2;
    }
}


@media (max-width: 768px) {
    .menu { 
        display: flex !important; 
        align-items: center;
        gap: 10px;
    }

    .hide-mobile {
        display: none;
    }

    .main-logo {
        height: 35px;
    }

    .lang-switch {
        font-weight: bold;
        color: var(--m1-dark-teal);
        text-decoration: none;
        padding: 5px;
        font-size: 0.9rem;
    }

    .cta-button-small {
        padding: 6px 12px;
        font-size: 0.85rem;
    }
}


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

@keyframes scaleUp {
    from { transform: scale(0); }
    to { transform: scale(1); }
}