/* ===== LAYOUT CSS ===== */
/* Grids, Hero, Footer Layout */

/* Hero Section */
.hero {
    position: relative;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: var(--white);
    padding: 4rem 0;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 100%;
    height: 100%;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" opacity="0.05"><path d="M20 20 L80 20 L80 80 L20 80 Z" fill="none" stroke="%23E65F5F" stroke-width="2"/><circle cx="50" cy="50" r="15" fill="none" stroke="%23E65F5F" stroke-width="2"/></svg>');
    background-size: 100px 100px;
    pointer-events: none;
}

.hero .container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.hero-content h1 {
    font-size: 3rem;
    color: var(--white);
    margin-bottom: 1.5rem;
}

.typing-text {
    font-size: 1.5rem;
    margin-bottom: 2rem;
    min-height: 3rem;
}

.hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
}

.hero-image img {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    width: 100%;
    height: auto;
}

/* Why Choose Grid */
.why-choose-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
}

.why-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2rem;
    text-align: center;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.why-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(90deg, var(--accent), var(--primary));
    opacity: 0;
    transition: var(--transition);
}

.why-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-hover);
}

.why-card:hover::before { opacity: 1; }

.why-card h3 { font-size: 1.3rem; margin-bottom: 1rem; }
.why-card p { color: var(--text-light); font-size: 0.95rem; }

/* Loan Grid */
.loan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-bottom: 4rem;
}

/* Rates Table */
.rates-table {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.rate-box {
    background: linear-gradient(135deg, #f8fafc, white);
    padding: 1.5rem;
    border-radius: 16px;
    text-align: center;
    border: 1px solid #e2e8f0;
    transition: var(--transition);
}

.rate-box:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}

/* Savings Grid */
.savings-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 2rem;
}

.savings-card {
    background: white;
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.savings-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-hover);
}

/* Leadership Grid */
.leadership-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-bottom: 2rem;
}

/* Contact Grid */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
}

/* Downloads Grid */
.downloads-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1rem;
    margin-top: 2rem;
}

/* Footer Grid */
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1.5fr 2fr;
    gap: 2rem;
    align-items: start;
}

/* Sticky Header */
.header { position: sticky; top: 0; z-index: 1000; }
.nav { position: sticky; top: 70px; z-index: 999; }