:root {
    --primary: #0a3d62;
    --primary-light: #3c6382;
    --accent: #22a6b3;
    --accent-hover: #0a7e8c;
    --bg-body: #f4f7f6;
    --bg-card: #ffffff;
    --text-main: #2f3640;
    --text-muted: #718093;
    --white: #ffffff;
    --shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
    --radius: 16px;
    --transition: all 0.4s cubic-bezier(0.23, 1, 0.32, 1);
}

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
    -webkit-tap-highlight-color: transparent;
}

body {
    font-family: 'Inter', system-ui, -apple-system, sans-serif;
    background-color: var(--bg-body);
    color: var(--text-main);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

/* --- NAVIGATION --- */
.anchor-nav {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
    padding: 12px 0;
}

.anchor-nav ul {
    display: flex;
    justify-content: center;
    list-style: none;
    gap: 10px;
    max-width: 900px;
    margin: 0 auto;
    padding: 0 15px;
    overflow-x: auto;
    scrollbar-width: none;
    /* Firefox */
}

.anchor-nav ul::-webkit-scrollbar {
    display: none;
    /* Chrome/Safari */
}

.anchor-nav a {
    text-decoration: none;
    color: var(--text-muted);
    font-size: 14px;
    font-weight: 600;
    padding: 8px 16px;
    border-radius: 30px;
    white-space: nowrap;
    transition: var(--transition);
}

.anchor-nav a:hover {
    color: var(--primary);
}

.anchor-nav a.active {
    background: var(--primary);
    color: var(--white);
    box-shadow: 0 4px 12px rgba(10, 61, 98, 0.2);
}

/* --- CONTAINER --- */
.container {
    max-width: 960px;
    margin: 0 auto;
    padding: 40px 20px;
}

/* --- HERO --- */
.hero {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 40px;
    margin-bottom: 80px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    padding: 60px 40px;
    border-radius: 24px;
    color: var(--white);
    box-shadow: 0 20px 40px rgba(10, 61, 98, 0.15);
}

.hero-content {
    flex: 1;
    min-width: 300px;
}

.hero-content .badge {
    background: rgba(255, 255, 255, 0.15);
    padding: 6px 14px;
    border-radius: 30px;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    font-weight: 800;
    margin-bottom: 20px;
    display: inline-block;
    border: 1px solid rgba(255, 255, 255, 0.25);
}

.hero h1 {
    font-size: 42px;
    font-weight: 800;
    line-height: 1.2;
    margin-bottom: 24px;
}

.hero h1 span {
    color: #4cd137;
    background: linear-gradient(90deg, #4cd137, #22a6b3);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

.hero p {
    font-size: 18px;
    opacity: 0.9;
    max-width: 500px;
    line-height: 1.7;
}

.hero-illustration {
    flex: 1;
    min-width: 300px;
    display: flex;
    justify-content: center;
}

.main-svg {
    width: 100%;
    max-width: 400px;
    height: auto;
}

.house-path {
    fill: rgba(255, 255, 255, 0.1);
    stroke: var(--white);
    stroke-width: 3;
}

.roof-path {
    fill: none;
    stroke: #4cd137;
    stroke-width: 5;
    stroke-linecap: round;
}

.door-path {
    fill: rgba(255, 255, 255, 0.2);
    stroke: var(--white);
    stroke-width: 2;
}

.sun-path {
    fill: #fbc531;
    filter: drop-shadow(0 0 10px #fbc531);
}

.coin-path {
    stroke: #22a6b3;
    stroke-width: 3;
    fill: none;
}

/* --- SECTION GENERAL --- */
.section {
    padding: 80px 0;
    margin: 0;
}

.section-title {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-bottom: 40px;
}

.section-title .icon {
    width: 48px;
    height: 48px;
    background: var(--accent);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 12px;
    padding: 10px;
}

.section-title .icon svg {
    fill: currentColor;
}

.section-title h2 {
    font-size: 28px;
    color: var(--primary);
    font-weight: 700;
}

/* --- GRID & CARDS --- */
.grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 24px;
}

.feature-card {
    background: var(--bg-card);
    padding: 32px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid rgba(0, 0, 0, 0.03);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.12);
}

.card-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
}

.dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
}

.dot.green {
    background: #4cd137;
}

.dot.blue {
    background: #22a6b3;
}

.feature-card h3 {
    font-size: 20px;
    color: var(--primary);
}

.feature-card ul {
    list-style: none;
}

.feature-card li {
    margin-bottom: 12px;
    font-size: 15px;
    display: flex;
    gap: 10px;
}

.feature-card .check {
    color: #4cd137;
    font-weight: bold;
}

/* --- LOAN STATS --- */
.loan-stats {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.stat-item {
    background: #f8fcfb;
    padding: 15px;
    border-radius: 12px;
    border-left: 4px solid var(--accent);
}

.stat-item .label {
    display: block;
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 5px;
}

.stat-item .value {
    font-size: 28px;
    font-weight: 800;
    color: var(--accent);
}

.stat-item .value span {
    font-size: 14px;
    color: var(--text-muted);
    font-weight: normal;
}

.highlight-box {
    margin-top: 40px;
    background: #fff9e6;
    border: 1px dashed #fbc531;
    border-radius: var(--radius);
    padding: 24px;
    display: flex;
    align-items: center;
    gap: 20px;
}

.highlight-icon {
    font-size: 32px;
}

.highlight-text {
    font-size: 18px;
    color: #7f8c8d;
}

.highlight-text strong {
    color: var(--primary);
}

/* --- INTEREST SECTION --- */
.interest-container {
    background: var(--white);
    padding: 40px;
    border-radius: 24px;
    box-shadow: var(--shadow);
    text-align: center;
}

.interest-main {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 30px;
    margin-bottom: 30px;
}

.interest-circle {
    width: 160px;
    height: 160px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--accent) 0%, var(--primary) 100%);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    color: var(--white);
    box-shadow: 0 10px 20px rgba(34, 166, 179, 0.3);
}

.interest-circle .num {
    font-size: 42px;
    font-weight: 800;
}

.interest-circle .unit {
    font-size: 16px;
    opacity: 0.8;
}

.interest-desc {
    flex: 1;
    min-width: 300px;
    text-align: left;
    font-size: 18px;
    color: var(--text-muted);
}

.interest-overdue {
    padding-top: 25px;
    border-top: 1px solid #f1f2f6;
    font-size: 16px;
    color: var(--text-main);
}

.interest-overdue strong {
    color: #e84118;
    font-size: 20px;
}

/* --- TIMELINE SECTION --- */
.timeline-container {
    position: relative;
    padding: 20px 0;
}

.timeline-scroll {
    display: flex;
    gap: 20px;
    overflow-x: auto;
    padding: 20px 10px 40px;
    scroll-snap-type: x mandatory;
    scrollbar-width: thin;
    scrollbar-color: var(--accent) #eee;
}

.timeline-scroll::-webkit-scrollbar {
    height: 6px;
}

.timeline-scroll::-webkit-scrollbar-thumb {
    background: var(--accent);
    border-radius: 10px;
}

.timeline-card {
    flex: 0 0 280px;
    background: var(--white);
    padding: 30px;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    scroll-snap-align: center;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.timeline-card:hover {
    border-bottom: 5px solid var(--accent);
    transform: translateY(-3px);
}

.timeline-card .step {
    font-size: 14px;
    font-weight: 800;
    color: var(--accent);
    background: rgba(34, 166, 179, 0.1);
    padding: 4px 12px;
    border-radius: 10px;
    margin-bottom: 20px;
    display: inline-block;
}

.timeline-card p {
    font-size: 15px;
    color: var(--text-main);
    line-height: 1.6;
}

/* --- FOOTER --- */
.footer {
    margin-top: 60px;
    padding: 40px 0;
    border-top: 1px solid rgba(0, 0, 0, 0.05);
    text-align: center;
}

.source {
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 15px;
}

.copyright {
    font-size: 13px;
    color: #bdc3c7;
}

/* --- ANIMATIONS --- */
.reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: all 0.8s ease-out;
}

.reveal.active {
    opacity: 1;
    transform: translateY(0);
}

.reveal-left {
    opacity: 0;
    transform: translateX(-30px);
    transition: all 0.8s ease-out;
}

.reveal-right {
    opacity: 0;
    transform: translateX(30px);
    transition: all 0.8s ease-out;
}

.reveal-left.active,
.reveal-right.active {
    opacity: 1;
    transform: translateX(0);
}

/* --- MOBILE RESPONSIVE --- */
@media (max-width: 768px) {
    .container {
        padding: 20px 15px;
    }

    .hero {
        padding: 40px 25px;
        text-align: center;
        gap: 30px;
    }

    .hero h1 {
        font-size: 32px;
    }

    .hero p {
        font-size: 16px;
        margin: 0 auto;
    }

    .grid {
        grid-template-columns: 1fr;
    }

    .section-title h2 {
        font-size: 22px;
    }

    .interest-circle {
        width: 140px;
        height: 140px;
    }

    .interest-circle .num {
        font-size: 36px;
    }

    .interest-desc {
        text-align: center;
        font-size: 16px;
    }
}

@media (max-width: 480px) {
    .anchor-nav ul {
        justify-content: flex-start;
    }

    .hero {
        border-radius: 0;
        margin-left: -15px;
        margin-right: -15px;
    }

    .feature-card {
        padding: 20px;
    }
}