:root {
    --fic-navy: #101534;
    --fic-navy-light: #1c2354;
    --fic-green: #16a34a;
    --fic-green-light: #22c55e;
    --fic-bg: #f4f7fb;
    --fic-card: #ffffff;
    --fic-input-bg: #eef1f8;
    --fic-text-dark: #101534;
    --fic-text-muted: #5b6172;
    --fic-border: #e2e6f0;
  }
 
  * { margin: 0; padding: 0; box-sizing: border-box; }
 
  body {
    font-family: 'Segoe UI', -apple-system, BlinkMacSystemFont, Roboto, Helvetica, Arial, sans-serif;
    background: var(--fic-bg);
    color: var(--fic-text-dark);
    line-height: 1.5;
  }
 
  a { text-decoration: none; color: inherit; }
  img { max-width: 100%; display: block; }
 
  .fic-container {
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 24px;
  }
 
  /* ===== Header ===== */
  .fic-header {
    background: var(--fic-card);
    border-bottom: 1px solid var(--fic-border);
    position: sticky;
    top: 0;
    z-index: 100;
  }
 
  .fic-header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 24px;
  }
 
  .fic-logo {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 22px;
    font-weight: 800;
    color: var(--fic-navy);
  }
 
  .fic-logo img {
    width: 200px;
  }
 
  .fic-logo span { color: var(--fic-green); }
 
  .fic-nav-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--fic-text-muted);
  }
 
  .fic-nav-badge .fic-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--fic-green);
    box-shadow: 0 0 0 4px rgba(22,163,74,0.15);
  }
 
  /* ===== Hero / Banner ===== */
  .fic-hero {
    background: radial-gradient(circle at 15% 20%, rgba(34,197,94,0.10), transparent 45%),
                linear-gradient(180deg, #eef4fb 0%, var(--fic-bg) 100%);
    padding: 56px 0 64px;
  }
 
  .fic-hero-grid {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 48px;
    align-items: center;
  }
 
  .fic-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: #e7f8ed;
    color: var(--fic-green);
    font-size: 13px;
    font-weight: 700;
    padding: 6px 14px;
    border-radius: 999px;
    margin-bottom: 18px;
  }
 
  .fic-hero h1 {
    font-size: 42px;
    line-height: 1.15;
    font-weight: 800;
    color: var(--fic-navy);
    margin-bottom: 18px;
  }
 
  .fic-hero h1 .fic-accent { color: var(--fic-green); }
 
  .fic-hero p.fic-sub {
    font-size: 17px;
    color: var(--fic-text-muted);
    margin-bottom: 28px;
    max-width: 480px;
  }
 
  .fic-trust-row {
    display: flex;
    gap: 28px;
    flex-wrap: wrap;
  }
 
  .fic-trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 600;
    color: var(--fic-navy);
  }
 
  .fic-trust-item .fic-icon {
    width: 30px;
    height: 30px;
    border-radius: 8px;
    background: #e7f8ed;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--fic-green);
    font-size: 15px;
    flex-shrink: 0;
  }
 
  /* ===== Form Card ===== */
  .fic-form-card {
    background: var(--fic-card);
    border-radius: 20px;
    padding: 32px;
    box-shadow: 0 20px 45px rgba(16, 21, 52, 0.10);
    border: 1px solid var(--fic-border);
  }
 
  .fic-form-pill {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: #e7f8ed;
    color: var(--fic-green);
    font-size: 13px;
    font-weight: 700;
    padding: 6px 14px;
    border-radius: 999px;
    margin-bottom: 18px;
  }
 
  .fic-form-card h2 {
    font-size: 24px;
    font-weight: 800;
    color: var(--fic-navy);
    margin-bottom: 6px;
  }
 
  .fic-form-card .fic-form-note {
    font-size: 14px;
    color: var(--fic-text-muted);
    margin-bottom: 24px;
  }
 
  .fic-field {
    margin-bottom: 18px;
  }
 
  .fic-field label {
    display: block;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.03em;
    text-transform: uppercase;
    color: var(--fic-navy);
    margin-bottom: 8px;
  }
 
  .fic-field input[type="text"],
  .fic-field input[type="tel"] {
    width: 100%;
    background: var(--fic-input-bg);
    border: 1px solid var(--fic-input-bg);
    border-radius: 10px;
    padding: 14px 16px;
    font-size: 15px;
    color: var(--fic-text-dark);
    outline: none;
    transition: border-color 0.15s ease, background 0.15s ease;
  }
 
  .fic-field input[type="text"]::placeholder,
  .fic-field input[type="tel"]::placeholder {
    color: #9aa0b4;
  }
 
  .fic-field input[type="text"]:focus,
  .fic-field input[type="tel"]:focus {
    border-color: var(--fic-green);
    background: #fff;
  }
 
  .fic-phone-field {
    display: flex;
    align-items: stretch;
    background: var(--fic-input-bg);
    border: 1px solid var(--fic-input-bg);
    border-radius: 10px;
    overflow: hidden;
  }
 
  .fic-phone-field:focus-within {
    border-color: var(--fic-green);
    background: #fff;
  }
 
  .fic-phone-prefix {
    display: flex;
    align-items: center;
    padding: 0 14px;
    font-weight: 700;
    color: var(--fic-navy);
    border-right: 1px solid var(--fic-border);
  }
 
  .fic-phone-field input {
    border: none;
    background: transparent;
    flex: 1;
    padding: 14px 16px;
    font-size: 15px;
    outline: none;
  }
 
  .fic-consent {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13px;
    color: var(--fic-text-muted);
    margin-bottom: 22px;
  }
 
  .fic-consent input[type="checkbox"] {
    margin-top: 3px;
    width: 17px;
    height: 17px;
    accent-color: var(--fic-navy);
    flex-shrink: 0;
  }
 
  .fic-consent b { color: var(--fic-navy); }
  .fic-consent a { color: var(--fic-green); font-weight: 600; }
 
  .fic-submit-btn {
    width: 100%;
    background: var(--fic-navy);
    color: #fff;
    font-size: 16px;
    font-weight: 700;
    padding: 16px;
    border: none;
    border-radius: 12px;
    cursor: pointer;
    transition: background 0.15s ease, transform 0.1s ease;
  }
 
  .fic-submit-btn:hover {
    background: var(--fic-navy-light);
  }
 
  .fic-submit-btn:active {
    transform: scale(0.99);
  }
 
  .fic-form-footer {
    text-align: center;
    font-size: 12px;
    color: #9aa0b4;
    margin-top: 16px;
  }
 
  .fic-form-footer a {
    color: var(--fic-text-muted);
    text-decoration: underline;
  }
 
  /* ===== Features ===== */
  .fic-section {
    padding: 64px 0;
  }
 
  .fic-section-head {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 40px;
  }
 
  .fic-section-head h2 {
    font-size: 30px;
    font-weight: 800;
    color: var(--fic-navy);
    margin-bottom: 10px;
  }
 
  .fic-section-head p {
    color: var(--fic-text-muted);
    font-size: 15px;
  }
 
  .fic-feature-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
  }
 
  .fic-feature-card {
    background: var(--fic-card);
    border: 1px solid var(--fic-border);
    border-radius: 16px;
    padding: 26px 22px;
    text-align: center;
  }
 
  .fic-feature-card .fic-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: #e7f8ed;
    color: var(--fic-green);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin: 0 auto 16px;
  }
 
  .fic-feature-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--fic-navy);
    margin-bottom: 8px;
  }
 
  .fic-feature-card p {
    font-size: 13.5px;
    color: var(--fic-text-muted);
  }
 
  /* ===== Steps ===== */
  .fic-steps-wrap {
    background: var(--fic-navy);
    padding: 64px 0;
  }
 
  .fic-steps-wrap .fic-section-head h2,
  .fic-steps-wrap .fic-section-head p {
    color: #fff;
  }
 
  .fic-steps-wrap .fic-section-head p { color: #b7bcd6; }
 
  .fic-steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
 
  .fic-step-card {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.10);
    border-radius: 16px;
    padding: 28px 24px;
  }
 
  .fic-step-num {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    background: var(--fic-green);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    margin-bottom: 16px;
  }
 
  .fic-step-card h3 {
    color: #fff;
    font-size: 16px;
    margin-bottom: 8px;
  }
 
  .fic-step-card p {
    color: #b7bcd6;
    font-size: 13.5px;
  }
 
  /* ===== Loan uses ===== */
  .fic-uses-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 16px;
  }
 
  .fic-use-chip {
    background: var(--fic-card);
    border: 1px solid var(--fic-border);
    border-radius: 12px;
    padding: 18px 12px;
    text-align: center;
    font-size: 13.5px;
    font-weight: 700;
    color: var(--fic-navy);
  }
 
  .fic-use-chip .fic-icon {
    font-size: 22px;
    margin-bottom: 8px;
  }
 
  /* ===== FAQ ===== */
  .fic-faq-item {
    background: var(--fic-card);
    border: 1px solid var(--fic-border);
    border-radius: 12px;
    padding: 18px 22px;
    margin-bottom: 12px;
  }
 
  .fic-faq-item summary {
    cursor: pointer;
    font-weight: 700;
    color: var(--fic-navy);
    font-size: 15px;
    list-style: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
  }
 
  .fic-faq-item summary::-webkit-details-marker { display: none; }
 
  .fic-faq-item summary::after {
    content: "+";
    font-size: 20px;
    color: var(--fic-green);
    font-weight: 400;
  }
 
  .fic-faq-item[open] summary::after { content: "\2212"; }
 
  .fic-faq-item p {
    margin-top: 12px;
    font-size: 14px;
    color: var(--fic-text-muted);
  }
 
  /* ===== Footer ===== */
  .fic-footer {
    background: var(--fic-navy);
    color: #b7bcd6;
    padding: 40px 0 24px;
    font-size: 13px;
  }
 
  .fic-footer-top {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 20px;
    padding-bottom: 24px;
    border-bottom: 1px solid rgba(255,255,255,0.10);
    margin-bottom: 20px;
  }
 
  .fic-footer-links {
    display: flex;
    gap: 22px;
    flex-wrap: wrap;
  }
 
  .fic-footer-links a:hover { color: #fff; }
 
  .fic-footer-disclaimer {
    font-size: 12px;
    color: #8790ad;
    line-height: 1.6;
  }
 
  /* ===== Responsive ===== */
  @media (max-width: 900px) {
    .fic-hero-grid { grid-template-columns: 1fr; }
    .fic-feature-grid { grid-template-columns: repeat(2, 1fr); }
    .fic-steps-grid { grid-template-columns: 1fr; }
    .fic-uses-grid { grid-template-columns: repeat(3, 1fr); }
    .fic-hero h1 { font-size: 32px; }
  }
 
  @media (max-width: 520px) {
    .fic-feature-grid { grid-template-columns: 1fr; }
    .fic-uses-grid { grid-template-columns: repeat(2, 1fr); }
    .fic-form-card { padding: 24px 18px; }
    .fic-header-inner { flex-direction: column; gap: 10px; align-items: flex-start; }
  }