:root {
    --primary-blue: #003366;
    --secondary-blue: #00509e;
    --light-blue: #eef5ff;
    --accent-yellow: #ffcc00;
    --success-green: #008040;
    --text-dark: #333333;
    --text-light: #ffffff;
    --bg-white: #ffffff;
    --bg-gray: #f9f9f9;
}
body {
    font-family: 'Inter', sans-serif;
    margin: 0;
    padding: 0;
    color: var(--text-dark);
    background-color: var(--bg-white);
    line-height: 1.6;
}
h1, h2, h3, h4, h5, h6 {
    font-family: 'Plus Jakarta Sans', sans-serif;
}
/* Top Trust Bar */
.top-trust-bar {
    background-color: #001a33;
    color: #a1c4e9;
    font-size: 11px;
    padding: 6px 0;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-weight: 600;
}
.top-trust-bar .container {
    display: flex;
    justify-content: space-between;
    padding: 0 10%;
    margin: 0 auto;
    max-width: 1400px;
}

/* Header & Nav */
header {
    background-color: var(--primary-blue);
    border-bottom: 4px solid var(--accent-yellow);
    position: relative;
    z-index: 100;
}
.header-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 10%;
    max-width: 1400px;
    margin: 0 auto;
}
.logo { 
    font-size: 24px; 
    text-decoration: none;
    display: flex;
    align-items: center;
    line-height: 1;
}
.logo-bold {
    font-weight: 800;
    color: var(--text-light);
    letter-spacing: -0.5px;
}
.logo-light {
    font-weight: 400;
    color: #a1c4e9;
}
.main-nav {
    display: flex;
    align-items: center;
}
.nav-item {
    position: relative;
    margin-left: 30px;
}
.nav-link { 
    color: var(--text-light); 
    text-decoration: none; 
    font-weight: 500;
    font-size: 15px;
    padding-bottom: 5px;
    position: relative;
}
/* Hover Underline Effect */
.nav-link::after {
    content: '';
    position: absolute;
    width: 0;
    height: 2px;
    bottom: 0;
    left: 0;
    background-color: var(--accent-yellow);
    transition: width 0.3s ease;
}
.nav-link:hover::after, .nav-link.active::after {
    width: 100%;
}

/* Desktop Mega Menu */
.mega-menu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    background-color: #fff;
    width: 600px;
    border-radius: 8px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.15);
    padding: 30px;
    opacity: 0;
    visibility: hidden;
    transition: all 0.2s ease;
    z-index: 100;
    margin-top: 15px;
    border-top: 4px solid var(--primary-blue);
}
.nav-item.has-mega-menu:hover .mega-menu {
    opacity: 1;
    visibility: visible;
    margin-top: 20px;
}
/* invisible bridge so hover doesn't break */
.nav-item.has-mega-menu::before {
    content: '';
    position: absolute;
    width: 100%;
    height: 25px;
    bottom: -25px;
    left: 0;
}
.mega-menu-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
}
.mega-menu-col {
    display: flex;
    flex-direction: column;
}
.mega-menu-title {
    color: var(--primary-blue);
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-top: 0;
    margin-bottom: 15px;
    border-bottom: 1px solid #eaeaea;
    padding-bottom: 8px;
}
.mega-menu-list {
    list-style: none;
    padding: 0;
    margin: 0;
}
.mega-menu-list li {
    margin-bottom: 12px;
}
.mega-menu-list a {
    color: #444;
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    transition: color 0.2s;
    display: block;
}
.mega-menu-list a:hover {
    color: var(--primary-blue);
    text-decoration: underline;
}
.mega-menu-highlight {
    color: var(--secondary-blue) !important;
    font-weight: 700 !important;
    margin-top: 10px;
}
        .hero {
            background-color: var(--light-blue);
            padding: 80px 10%;
            text-align: center;
            border-bottom: 1px solid #d9e8ff;
        }
        .hero h1 { 
            color: var(--primary-blue); 
            font-size: 42px; 
            margin-bottom: 20px; 
            font-weight: 800;
        }
        .hero p { 
            font-size: 18px; 
            max-width: 800px; 
            margin: 0 auto 30px auto; 
            color: #555;
        }
        .btn {
            background-color: var(--accent-yellow);
            color: var(--primary-blue);
            padding: 15px 35px;
            text-decoration: none;
            font-weight: bold;
            border-radius: 6px;
            font-size: 18px;
            display: inline-block;
            transition: 0.3s;
            box-shadow: 0 4px 6px rgba(0,0,0,0.1);
        }
        .btn:hover { background-color: #e6b800; transform: translateY(-2px); }
        .container { padding: 60px 10%; max-width: 1400px; margin: 0 auto; }
        h2 { 
            color: var(--primary-blue); 
            border-left: 6px solid var(--accent-yellow); 
            padding-left: 15px; 
            margin-bottom: 30px;
            font-size: 28px;
        }
        .section-desc { font-size: 16px; margin-bottom: 30px; color: #666; }
        
        table { 
            width: 100%; 
            border-collapse: collapse; 
            margin-bottom: 50px; 
            background-color: var(--bg-white); 
            box-shadow: 0 4px 15px rgba(0,0,0,0.05);
            border-radius: 8px;
            overflow: hidden;
        }
        th, td { padding: 18px 20px; text-align: left; border-bottom: 1px solid #eee; }
        th { background-color: var(--primary-blue); color: var(--text-light); font-weight: 600;}
        tr:hover { background-color: var(--light-blue); }
        
        .cards { 
            display: grid; 
            grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); 
            gap: 30px; 
            margin-bottom: 50px;
        }
        .card {
            background: var(--bg-white); 
            border: 1px solid #eaeaea;
            padding: 30px; 
            border-radius: 10px; 
            box-shadow: 0 5px 15px rgba(0,0,0,0.04);
            border-top: 5px solid var(--primary-blue);
            transition: 0.3s;
        }
        .card:hover { transform: translateY(-5px); box-shadow: 0 8px 25px rgba(0,0,0,0.1); border-top-color: var(--accent-yellow); }
        .card h3 { color: var(--secondary-blue); margin-top: 0; font-size: 22px; margin-bottom: 15px;}
        .card p { color: #666; font-size: 15px; margin-bottom: 25px; line-height: 1.5; }
        .card .btn-small {
            background-color: var(--light-blue);
            color: var(--primary-blue);
            padding: 10px 20px; 
            text-decoration: none; 
            border-radius: 5px;
            display: inline-block; 
            font-weight: 600;
            transition: 0.2s;
        }
        .card .btn-small:hover { background-color: var(--primary-blue); color: var(--text-light); }
        
        .directory-cta {
            background-color: var(--primary-blue);
            border-radius: 10px;
            padding: 40px;
            text-align: center;
            color: white;
            margin: 50px 0;
            position: relative;
            overflow: hidden;
        }
        .directory-cta::before {
            content: "";
            position: absolute;
            top: -50px; left: -50px;
            width: 150px; height: 150px;
            background: var(--accent-yellow);
            border-radius: 50%;
            opacity: 0.1;
        }
        .directory-cta h3 { margin-top: 0; font-size: 26px; }
        .directory-cta .btn { margin-top: 20px; }
        
        footer {
            background-color: var(--primary-blue); 
            color: var(--text-light);
            padding: 50px 10% 20px 10%;
        }
        .footer-grid {
            display: grid;
            grid-template-columns: 2fr 1fr 1fr;
            gap: 40px;
            margin-bottom: 40px;
        }
        .footer-col h4 { color: var(--accent-yellow); font-size: 18px; margin-bottom: 20px; }
        .footer-col p { font-size: 14px; color: #ccc; line-height: 1.6; }
        .footer-col a { display: block; color: #ccc; text-decoration: none; margin-bottom: 10px; font-size: 14px;}
        .footer-col a:hover { color: var(--accent-yellow); }
        .footer-bottom {
            border-top: 1px solid rgba(255,255,255,0.1);
            padding-top: 20px;
            text-align: center;
            font-size: 13px;
            color: #aaa;
        }
    
/* --- Added by build pipeline: breadcrumb + active nav state --- */
header nav a.active { color: var(--accent-yellow); }
.breadcrumb { padding: 14px 10%; font-size: 14px; background: var(--bg-gray); color: #777; }
.breadcrumb a { color: var(--secondary-blue); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb .sep { margin: 0 8px; color: #ccc; }
.breadcrumb .current { color: #777; }



/* Disclaimer note style */
.disclaimer-note {
    background-color: #fff9e6;
    border-left: 4px solid var(--accent-yellow);
    padding: 15px 20px;
    margin-bottom: 25px;
    font-size: 14px;
    color: #666;
    border-radius: 4px;
}
.disclaimer-note strong {
    color: #b28900;
}

/* Regulatory grid for How SME Financing Works */
.regulatory-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 25px;
    margin: 30px 0 50px 0;
}
.regulatory-card {
    background: var(--bg-gray);
    padding: 25px;
    border-radius: 8px;
    border-top: 4px solid var(--secondary-blue);
    box-shadow: 0 2px 8px rgba(0,0,0,0.03);
}
.regulatory-card h3 {
    margin-top: 0;
    font-size: 18px;
    color: var(--primary-blue);
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.regulatory-card .badge {
    font-size: 11px;
    background: var(--light-blue);
    color: var(--secondary-blue);
    padding: 3px 8px;
    border-radius: 12px;
    font-weight: 600;
}

/* CTOS/CCRIS CTA box */
.ctos-cta-box {
    background: linear-gradient(135deg, #fff3cd 0%, #ffeeba 100%);
    border: 1px solid #ffeeba;
    border-left: 6px solid #ffc107;
    border-radius: 10px;
    padding: 30px;
    margin: 40px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
}
.ctos-cta-box h3 {
    color: #856404;
    margin-top: 0;
    font-size: 22px;
    margin-bottom: 10px;
}
.ctos-cta-box p {
    color: #66521a;
    margin: 0;
    font-size: 15px;
}
.ctos-cta-box .btn {
    white-space: nowrap;
    background-color: var(--primary-blue);
    color: white;
}
.ctos-cta-box .btn:hover {
    background-color: var(--secondary-blue);
}

/* FAQ style */
.faq-section {
    margin: 50px 0;
}
.faq-item {
    background-color: var(--bg-white);
    border: 1px solid transparent;
    border-radius: 8px;
    margin-bottom: 15px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.04);
    transition: all 0.3s ease;
    overflow: hidden;
}
.faq-item:hover {
    border-color: #d1e3f8;
    box-shadow: 0 6px 20px rgba(0,0,0,0.08);
}
.faq-question {
    font-weight: 600;
    color: var(--primary-blue);
    cursor: pointer;
    font-size: 17px;
    padding: 20px;
    background: transparent;
    border: none;
    width: 100%;
    text-align: left;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: color 0.3s ease;
}
.faq-question:hover {
    color: var(--secondary-blue);
}
.faq-icon {
    font-size: 20px;
    color: var(--secondary-blue);
    transition: transform 0.3s ease;
}
.faq-item.open .faq-icon {
    transform: rotate(180deg);
}
.faq-answer {
    padding: 0 20px;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
    color: #555;
    font-size: 15px;
    line-height: 1.6;
}
.faq-item.open .faq-answer {
    padding: 0 20px 20px 20px;
}

/* Source verified stamp */
.source-stamp {
    font-size: 12px;
    color: #999;
    margin-top: -35px;
    margin-bottom: 50px;
    text-align: right;
    display: block;
}

@media (max-width: 992px) {
    header {
        position: relative;
        flex-wrap: wrap;
        padding: 15px 5%;
    }
    .nav-toggle-label {
        display: block;
    }
    header nav {
        display: none;
        width: 100%;
        flex-direction: column;
        background-color: var(--primary-blue);
        position: absolute;
        top: 100%;
        left: 0;
        z-index: 1000;
        border-top: 1px solid rgba(255,255,255,0.1);
        box-shadow: 0 4px 6px rgba(0,0,0,0.1);
        padding: 10px 0;
    }
    header nav a {
        margin: 0;
        padding: 12px 5%;
        border-bottom: 1px solid rgba(255,255,255,0.05);
        display: block;
    }
    header nav a:last-child {
        border-bottom: none;
    }
    /* Toggle functionality */
    .nav-toggle:checked ~ nav {
        display: flex;
    }
    .nav-toggle:checked ~ .nav-toggle-label span {
        background: transparent;
    }
    .nav-toggle:checked ~ .nav-toggle-label span::before {
        transform: rotate(45deg);
        top: 0;
    }
    .nav-toggle:checked ~ .nav-toggle-label span::after {
        transform: rotate(-45deg);
        top: 0;
    }
    .ctos-cta-box {
        flex-direction: column;
        text-align: center;
    }
    .ctos-cta-box .btn {
        width: 100%;
    }
}

@media (max-width: 768px) {
  .hero { padding: 50px 6%; }
  .hero h1 { font-size: 30px; }
  .container { padding: 40px 6%; }
  .footer-grid { grid-template-columns: 1fr; }
  table { display: block; overflow-x: auto; }
}

/* --- Added for Homepage Redesign --- */
.split-section {
    display: flex;
    align-items: center;
    gap: 50px;
    margin: 60px 0;
}
.split-section.reverse {
    flex-direction: row-reverse;
}
.split-section-img {
    flex: 1;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
}
.split-section-img img {
    width: 100%;
    height: auto;
    display: block;
    object-fit: cover;
    aspect-ratio: 16/9;
}
.split-section-content {
    flex: 1;
}
.split-section-content h2 {
    font-size: 32px;
    color: var(--primary-blue);
    margin-bottom: 15px;
}
.split-section-content p {
    font-size: 16px;
    line-height: 1.6;
    color: #555;
    margin-bottom: 25px;
}
.highlight-cards {
    display: flex;
    gap: 15px;
    margin-bottom: 25px;
}
.highlight-card {
    background: #fff;
    border: 1px solid #eaeaea;
    border-radius: 8px;
    padding: 15px;
    flex: 1;
    box-shadow: 0 4px 10px rgba(0,0,0,0.03);
}
.highlight-card h4 {
    margin-top: 0;
    margin-bottom: 8px;
    color: var(--secondary-blue);
    font-size: 16px;
}
.highlight-card p {
    font-size: 13px;
    margin: 0;
    color: #666;
}
@media (max-width: 768px) {
    .split-section, .split-section.reverse {
        flex-direction: column;
        gap: 30px;
    }
    .highlight-cards {
        flex-direction: column;
    }
}

.btn.disabled, .btn-small.disabled {
    background-color: #e0e0e0;
    color: #999;
    border-color: #e0e0e0;
    cursor: not-allowed;
    text-decoration: none;
    pointer-events: none;
}

/* --- Added for Reviews Pages --- */
.star-rating {
    color: #f39c12;
    font-size: 24px;
    margin-bottom: 20px;
}
.star-rating span {
    margin-right: 5px;
}
.review-pros-cons {
    display: flex;
    gap: 30px;
    margin: 40px 0;
}
.review-box {
    flex: 1;
    padding: 25px;
    border-radius: 8px;
}
.review-pros {
    background-color: #eafaf1;
    border-top: 4px solid #2ecc71;
}
.review-cons {
    background-color: #fdf2e9;
    border-top: 4px solid #e74c3c;
}
.review-box h4 {
    margin-top: 0;
    font-size: 18px;
    margin-bottom: 15px;
}
.review-box ul {
    margin: 0;
    padding-left: 20px;
}
.review-box li {
    margin-bottom: 10px;
    color: #444;
}
@media (max-width: 768px) {
    .review-pros-cons {
        flex-direction: column;
        gap: 20px;
    }
}

/* Trust Badges */
.badge-bnm, .badge-sc {
    display: inline-block;
    padding: 4px 10px;
    border-radius: 12px;
    font-size: 12px;
    font-weight: 600;
    margin-top: 10px;
    margin-bottom: 15px;
    background-color: var(--light-blue);
}
.badge-bnm {
    color: var(--primary-blue);
    border: 1px solid var(--primary-blue);
}
.badge-sc {
    color: var(--success-green);
    border: 1px solid var(--success-green);
    background-color: #e6f9ec;
}

/* Calculator Styles */
.calculator-widget {
    background: #fff;
    padding: 30px;
    border-radius: 12px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
    margin: 30px 0;
}
.calculator-input-group {
    margin-bottom: 20px;
}
.calculator-input-group label {
    display: block;
    font-weight: bold;
    margin-bottom: 8px;
}
.calculator-input {
    width: 100%;
    padding: 12px;
    border: 1px solid #ccc;
    border-radius: 6px;
    font-size: 16px;
    font-family: 'Inter', sans-serif;
}
.calculator-result-box {
    flex: 1;
    min-width: 300px;
    background: #f8fbff;
    padding: 30px;
    border-radius: 8px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}
.calculator-result-amount {
    font-size: 36px;
    font-weight: bold;
    color: var(--success-green); /* Changed from yellow to green for professional look */
    text-shadow: 0 1px 2px rgba(0,0,0,0.1);
    font-family: 'Plus Jakarta Sans', sans-serif;
}

/* FAQ Tabs */
.faq-tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-top: 30px;
    margin-bottom: 20px;
}
.faq-tab-btn {
    padding: 10px 20px;
    border: 1px solid var(--primary-blue);
    background: transparent;
    color: var(--primary-blue);
    border-radius: 20px;
    cursor: pointer;
    font-weight: bold;
    font-family: 'Inter', sans-serif;
    transition: 0.2s;
}
.faq-tab-btn.active, .faq-tab-btn:hover {
    background: var(--primary-blue);
    color: #fff;
}

/* --- Mobile Nav Drawer & Responsive Header --- */
.nav-toggle, .nav-backdrop {
    display: none;
}
.nav-toggle-label {
    display: none;
    cursor: pointer;
    flex-direction: column;
    gap: 5px;
    z-index: 1001; /* Above drawer */
}
.nav-toggle-label span {
    display: block;
    width: 25px;
    height: 2px;
    background: var(--text-light);
    transition: 0.3s;
}

@media (max-width: 992px) {
    .nav-toggle-label {
        display: flex;
    }
    .main-nav {
        position: fixed;
        top: 0;
        right: -300px; /* Hidden off-screen */
        width: 300px;
        height: 100vh;
        background-color: #fff;
        flex-direction: column;
        align-items: flex-start;
        padding: 80px 20px 30px 20px;
        box-shadow: -5px 0 30px rgba(0,0,0,0.1);
        transition: right 0.3s ease;
        z-index: 1000;
        overflow-y: auto;
    }
    .nav-item {
        margin-left: 0;
        width: 100%;
        border-bottom: 1px solid #eaeaea;
    }
    .nav-link {
        color: var(--primary-blue);
        display: block;
        padding: 15px 10px;
        font-size: 16px;
    }
    .nav-link::after {
        display: none;
    }
    .nav-link:hover, .nav-link.active {
        background-color: var(--light-blue);
    }
    /* Mobile Mega Menu display */
    .mega-menu {
        position: static;
        width: 100%;
        transform: none;
        box-shadow: none;
        opacity: 1;
        visibility: visible;
        display: none; /* Hide by default on mobile, can be toggled via JS if needed, but for now we'll just show it statically if it has class open, or we can just always show it nested */
        padding: 10px 15px;
        border-top: none;
        background-color: #f9f9f9;
        margin-top: 0;
    }
    /* Display mega menu inline for mobile */
    .nav-item.has-mega-menu .mega-menu {
        display: block; 
    }
    .mega-menu-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    .top-trust-bar {
        display: none; /* Hide micro text on small screens */
    }
    
    /* Toggle active state */
    #nav-toggle:checked ~ .main-nav {
        right: 0;
    }
    #nav-toggle:checked ~ .nav-backdrop {
        display: block;
        position: fixed;
        top: 0;
        left: 0;
        width: 100vw;
        height: 100vh;
        background: rgba(0,0,0,0.5);
        z-index: 999;
    }
    #nav-toggle:checked ~ .nav-toggle-label span:nth-child(1) {
        transform: translateY(7px) rotate(45deg);
        background: var(--primary-blue); /* dark since it's above white menu */
    }
    #nav-toggle:checked ~ .nav-toggle-label span:nth-child(2) {
        opacity: 0;
    }
    #nav-toggle:checked ~ .nav-toggle-label span:nth-child(3) {
        transform: translateY(-7px) rotate(-45deg);
        background: var(--primary-blue);
    }
}


/* Calculator Tools Styling */
.calculator-input-group { margin-bottom: 20px; }
.calculator-input-group label { display: block; font-weight: bold; color: var(--secondary-blue); margin-bottom: 8px; }
.calculator-input { width: 100%; padding: 12px 15px; border: 1px solid #ccc; border-radius: 6px; font-size: 16px; box-sizing: border-box; transition: 0.2s; }
.calculator-input:focus { border-color: var(--primary-blue); outline: none; box-shadow: 0 0 0 3px rgba(0, 48, 135, 0.1); }
.calculator-result-box { background: var(--bg-gray); border-radius: 12px; border: 1px solid #eee; }