:root {
            --primary: #009999;
            --primary-dark: #007a7a;
            --primary-light: #33adad;
            --dark: #1a1a1a;
            --light: #f8f9fa;
            --shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
            --transition: all 0.3s ease;
        }

        body {
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
            line-height: 1.6;
            color: #222;
        }

        /* Navbar Fixed */
        .navbar-custom {
            background: var(--primary) !important;
            padding: 15px 0;
            box-shadow: var(--shadow);
            position: fixed;
            top: 0;
            width: 100%;
            z-index: 1030;
        }

        .navbar-brand img {
            height: 60px;
        }

        .nav-link {
            color: white !important;
            font-weight: bold;
            text-transform: uppercase;
            padding: 8px 15px !important;
            position: relative;
            margin-left: 40px;
        }

        .nav-link::after {
            content: '';
            position: absolute;
            bottom: 0;
            left: 15px;
            right: 15px;
            height: 2px;
            background: white;
            transform: scaleX(0);
            transition: var(--transition);
        }

        .nav-link:hover::after {
            transform: scaleX(1);
        }

        /* Hero */
        .hero-section {
            background: linear-gradient(135deg, var(--primary), var(--primary-dark));
            color: white;
            padding: 160px 0 110px;
            margin-top: 76px;
        }

        .hero-title {
            font-size: 3.5rem;
            font-weight: 700;
        }

        .hero-subtitle {
            font-size: 1.25rem;
            opacity: 0.9;
        }

        .stat-card {
            background: rgba(255, 255, 255, 0.15);
            backdrop-filter: blur(10px);
            border-radius: 12px;
            padding: 20px;
            text-align: center;
        }

        .stat-number {
            font-size: 2.3rem;
            font-weight: 700;
        }

        /* Sections */
        .about-section,
        .loans-section {
            padding: 100px 0;
            background: var(--light);
        }

        .insurance-section {
            padding: 100px 0;
            background: linear-gradient(rgba(0, 153, 153, 0.95), rgba(0, 153, 153, 0.95)),
                url('https://images.unsplash.com/photo-1558618666-fcd25c85cd64?w=1350') center/cover fixed;
            color: white;
        }

        .services-section {
            padding: 100px 0;
        }

        .coverage-section {
            padding: 100px 0;
            background: #f1f3f5;
        }

        .cta-section {
            padding: 90px 0;
            background: var(--primary);
            color: white;
            text-align: center;
        }

        .section-title h2 {
            position: relative;
            display: inline-block;
            padding-bottom: 15px;
            font-weight: 700;
        }

        .section-title h2::after {
            content: '';
            position: absolute;
            bottom: 0;
            left: 50%;
            transform: translateX(-50%);
            width: 80px;
            height: 4px;
            background: var(--primary);
            border-radius: 2px;
        }

        .service-card,
        .loan-card {
            background: white;
            border-radius: 12px;
            box-shadow: var(--shadow);
            transition: var(--transition);
            height: 100%;
            overflow: hidden;
        }

        .service-card:hover,
        .loan-card:hover {
            transform: translateY(-12px);
            box-shadow: 0 20px 40px rgba(0, 0, 0, 0.18);
        }

        .loan-img-container {
            height: 220px;
            overflow: hidden;
            background: #f0f0f0;
        }

        .loan-img-container img {
            width: 100%;
            height: 100%;

            transition: transform 0.5s ease;
        }

        .loan-card:hover img {
            transform: scale(1.08);
        }

        .service-icon {
            width: 60px;
            height: 60px;
            background: rgba(0, 153, 153, 0.1);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 20px;
            font-size: 24px;
            color: var(--primary);
        }

        .insurance-icon {
            width: 80px;
            height: 80px;
            background: rgba(255, 255, 255, 0.1);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 20px;
            font-size: 20px;
        }

        /* Floating Buttons */
        .float-buttons {
            position: fixed;
            left: 15px;
            bottom: 30px;
            z-index: 1050;
            display: flex;
            flex-direction: column;
            gap: 15px;
        }

        .float-btn {
            width: 60px;
            height: 60px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            color: white;
            font-size: 26px;
            box-shadow: 0 5px 20px rgba(0, 0, 0, 0.3);
            transition: var(--transition);
        }

        .whatsapp-btn {
            background: #25D366;
        }

        .float-btn:hover {
            transform: scale(1.15);
        }

        .btn-custom {
            background: white;
            color: #000;
            padding: 14px 40px;
            border-radius: 50px;
            font-weight: 600;
            font-size: 1.1rem;
            transition: var(--transition);
        }

        .btn-custom:hover {
            background: var(--primary-dark);
            color: white;
            transform: translateY(-4px);
        }

        /* Footer */
        .footer {
            background: var(--dark);
            color: #ddd;
            padding: 80px 0 30px;
        }

        .footer a {
            color: #ddd;
            text-decoration: none;
            transition: var(--transition);
        }

        .footer a:hover {
            color: var(--primary-light);
            padding-left: 6px;
        }

        .footer-links {
            list-style: none;
            padding: 0;
        }

        .footer-links li {
            margin-bottom: 8px;
        }

        /* DROPDOWN – 100% WORKING ON MOBILE & DESKTOP */
        @media (min-width: 992px) {
            .dropdown:hover>.dropdown-menu {
                display: block;
                margin-top: 8px;
            }
        }

        .dropdown-menu {
            border: none;
            border-radius: 12px;
            box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
            padding: 15px 0;
            min-width: 320px;
        }

        @media (max-width: 991px) {
            .dropdown-menu {
                background: rgba(0, 153, 153, 0.98);
                border-radius: 10px;
            }

            .dropdown-item {
                color: white !important;
                padding: 12px 30px;
            }

            .dropdown-item:hover {
                background: rgba(255, 255, 255, 0.2);
            }
        }

        .fade-in {
            opacity: 0;
            transform: translateY(30px);
            transition: all 0.8s ease;
        }

        .fade-in.visible {
            opacity: 1;
            transform: translateY(0);
        }

        @media (max-width: 768px) {
            .hero-title {
                font-size: 2.5rem;
            }

            .float-btn {
                width: 50px;
                height: 50px;
                font-size: 22px;
            }
        }








        .sticky-apply-btn {
            position: fixed;
            bottom: 30px;
            right: 02px;
            z-index: 9999;

            display: inline-block;
            padding: 10px 20px;
            font-size: 17px;
            font-weight: bold;
            text-transform: uppercase;
            letter-spacing: 2px;
            color: white;
            text-decoration: none;

            background: linear-gradient(45deg, #ff6b6b, #feca57, #48dbfb, #ff9ff3, #ff6b6b);
            background-size: 400% 400%;
            border: none;
            border-radius: 50px;
            cursor: pointer;

            box-shadow: 0 10px 30px rgba(0, 0, 0, 0.4);
            transition: all 0.4s ease;
            animation: rainbow 8s ease infinite;

            overflow: hidden;
        }

        .sticky-apply-btn:hover {
            transform: translateY(-6px);
            box-shadow: 0 20px 40px rgba(0, 0, 0, 0.5);
        }

        .sticky-apply-btn:active {
            transform: translateY(4px);
        }

        /* Rainbow flowing animation */
        @keyframes rainbow {
            0% {
                background-position: 0% 50%;
            }

            50% {
                background-position: 100% 50%;
            }

            100% {
                background-position: 0% 50%;
            }
        }

        /* White ripple effect on click */
        .sticky-apply-btn::before {
            content: '';
            position: absolute;
            top: 50%;
            left: 50%;
            width: 0;
            height: 0;
            background: rgba(255, 255, 255, 0.6);
            border-radius: 50%;
            transform: translate(-50%, -50%);
            transition: width 0.6s, height 0.6s;
            pointer-events: none;
        }

        .sticky-apply-btn:active::before {
            width: 300px;
            height: 300px;
        }