/* Start custom CSS *//* ─── VARIABLES & BASE STYLES ─────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
  --navy:   #0A2540;
  --blue:   #1A6BE0;
  --sky:    #E8F1FC;
  --teal:   #00A896;
  --gold:   #F5A623;
  --light:  #F7F9FC;
  --white:  #FFFFFF;
  --gray:   #6B7A8D;
  --border: #DDE3EC;
  --font-head: 'DM Serif Display', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(10,37,64,.10);
  --shadow-lg: 0 12px 48px rgba(10,37,64,.14);
}

.sme-body-wrap { 
  font-family: var(--font-body); 
  color: var(--navy); 
  background: var(--white); 
  font-size: 16px; 
  line-height: 1.6; 
}
.sme-body-wrap *, .sme-body-wrap *::before, .sme-body-wrap *::after { box-sizing: border-box; }
.sme-body-wrap img { max-width: 100%; display: block; }
.sme-body-wrap a { color: var(--blue); text-decoration: none; transition: color .2s; }
.sme-body-wrap a:hover { text-decoration: underline; }

/* ─── UTILITY CLASSES ──────────────────────────────────── */
.sme-container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.sme-btn {
  display: inline-block;
  padding: 14px 32px;
  border-radius: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  transition: all .2s;
  border: 2px solid transparent;
  text-align: center;
}
.sme-btn-primary { background: var(--blue); color: #fff !important; }
.sme-btn-primary:hover { background: #1458c0; text-decoration: none; }
.sme-btn-outline { background: transparent; border-color: var(--blue); color: var(--blue) !important; }
.sme-btn-outline:hover { background: var(--sky); text-decoration: none; }
.sme-btn-white { background: #fff; color: var(--navy) !important; }
.sme-btn-white:hover { background: var(--sky); text-decoration: none; }
.sme-section-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 10px;
}
.sme-section-title { font-family: var(--font-head); font-size: clamp(28px, 4vw, 42px); line-height: 1.2; color: var(--navy); }
.sme-section-sub { font-size: 17px; color: var(--gray); margin-top: 12px; max-width: 600px; }
.sme-text-center { text-align: center; }
.sme-text-center .sme-section-sub { margin-left: auto; margin-right: auto; }
.sme-section { padding: 80px 0; }
.sme-section.alt { background: var(--light); }

/* ─── BLOCK 1: ANNOUNCEMENT BAR ───────────────────────── */
.sme-topbar { background: var(--navy); color: #cdd8e8; font-size: 13px; text-align: center; padding: 9px 24px; }
.sme-topbar a { color: var(--gold); font-weight: 600; }

/* ─── BLOCK 2: NAVIGATION HEADER ──────────────────────── */
.sme-nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
  padding: 0 24px;
}
.sme-nav-inner { max-width: 1140px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; height: 68px; }
.sme-nav-logo { font-family: var(--font-head); font-size: 24px; color: var(--navy); font-weight: 400; }
.sme-nav-logo span { color: var(--blue); }
.sme-nav-links { display: flex; gap: 32px; list-style: none; margin: 0; padding: 0; }
.sme-nav-links a { font-size: 14px; font-weight: 500; color: var(--navy); }
.sme-nav-links a:hover { color: var(--blue); text-decoration: none; }
.sme-nav-cta { display: flex; gap: 12px; align-items: center; }

/* ─── BLOCK 3: HERO SECTION & FORM ─────────────────────── */
.sme-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #143566 60%, #1A6BE0 100%);
  color: #fff; padding: 96px 0 80px; position: relative; overflow: hidden;
}
.sme-hero::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.sme-hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; }
.sme-hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  border-radius: 50px; padding: 6px 16px; font-size: 13px; margin-bottom: 20px;
}
.sme-hero-badge span { background: var(--gold); border-radius: 50px; padding: 2px 8px; font-size: 11px; font-weight: 700; color: var(--navy); }
.sme-hero h1 { font-family: var(--font-head); font-size: clamp(34px, 5vw, 56px); line-height: 1.12; margin-bottom: 20px; }
.sme-hero h1 em { color: var(--gold); font-style: normal; }
.sme-hero p { font-size: 17px; color: #b8ccdf; margin-bottom: 36px; max-width: 480px; }
.sme-hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }
.sme-trust-row { display: flex; gap: 24px; margin-top: 40px; flex-wrap: wrap; }
.sme-trust-item { display: flex; align-items: center; gap: 8px; font-size: 13px; color: #9db4cc; }
.sme-trust-item svg { flex-shrink: 0; }
.sme-hero-card { background: #fff; border-radius: 16px; padding: 36px 32px; box-shadow: var(--shadow-lg); color: var(--navy); }
.sme-hero-card h3 { font-family: var(--font-head); font-size: 22px; margin-bottom: 6px; }
.sme-hero-card p { font-size: 14px; color: var(--gray); margin-bottom: 24px; }
.sme-form-group { margin-bottom: 16px; }
.sme-form-group label { display: block; font-size: 13px; font-weight: 600; margin-bottom: 6px; color: var(--navy); text-align: left; }
.sme-form-group input, .sme-form-group select {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--border);
  border-radius: 8px; font-family: var(--font-body); font-size: 14px;
  color: var(--navy); background: #fff; transition: border-color .2s; outline: none;
}
.sme-form-group input:focus, .sme-form-group select:focus { border-color: var(--blue); }
.sme-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.sme-form-note { font-size: 12px; color: var(--gray); margin-top: 10px; text-align: center; }
.sme-btn-full { width: 100%; display: block; padding: 15px; font-size: 16px; }

/* ─── BLOCK 4: GEOGRAPHIES STRIP ──────────────────────── */
.sme-stats { background: var(--sky); border-bottom: 1px solid var(--border); padding: 32px 0; }
.sme-stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.sme-stat-num { font-family: var(--font-head); font-size: 36px; color: var(--navy); }
.sme-stat-num span { color: var(--blue); }
.sme-stat-label { font-size: 13px; color: var(--gray); margin-top: 4px; }

/* ─── BLOCK 5: HOW IT WORKS ───────────────────────────── */
.sme-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 52px; position: relative; }
.sme-steps::before {
  content: ''; position: absolute; top: 36px; left: 12%; right: 12%; height: 2px;
  background: linear-gradient(90deg, var(--blue) 0%, var(--teal) 100%); z-index: 0;
}
.sme-step { text-align: center; position: relative; z-index: 1; }
.sme-step-num {
  width: 72px; height: 72px; border-radius: 50%; background: var(--blue); color: #fff;
  display: flex; align-items: center; justify-content: center; font-family: var(--font-head);
  font-size: 24px; margin: 0 auto 18px; box-shadow: 0 4px 16px rgba(26,107,224,.3);
}
.sme-step h4 { font-size: 16px; font-weight: 600; margin-bottom: 8px; color: var(--navy); }
.sme-step p { font-size: 14px; color: var(--gray); }

/* ─── BLOCK 6: LOAN PRODUCTS GRID ─────────────────────── */
.sme-loans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.sme-loan-card {
  border: 1.5px solid var(--border); border-radius: var(--radius); padding: 28px 24px;
  background: #fff; transition: box-shadow .25s, transform .25s; display: flex; flex-direction: column; text-align: left;
}
.sme-loan-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.sme-loan-icon {
  width: 52px; height: 52px; border-radius: 12px; background: var(--sky);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px; font-size: 24px;
}
.sme-loan-card h4 { font-size: 17px; font-weight: 600; margin-bottom: 8px; color: var(--navy); }
.sme-loan-card p { font-size: 14px; color: var(--gray); flex: 1; }
.sme-loan-card a { margin-top: 18px; font-size: 14px; font-weight: 600; color: var(--blue); }

/* ─── BLOCK 7: SECTORS GRID ───────────────────────────── */
.sme-sectors-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 48px; }
.sme-sector-card {
  border-radius: var(--radius); padding: 24px 20px; text-align: center;
  background: #fff; border: 1.5px solid var(--border); transition: border-color .2s, box-shadow .2s;
}
.sme-sector-card:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.sme-sector-emoji { font-size: 32px; margin-bottom: 12px; }
.sme-sector-card h4 { font-size: 15px; font-weight: 600; color: var(--navy); }
.sme-sector-card p { font-size: 13px; color: var(--gray); margin-top: 6px; }

/* ─── BLOCK 8: WHY CHOOSE US ──────────────────────────── */
.sme-why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.sme-why-item { display: flex; gap: 18px; text-align: left; }
.sme-why-icon {
  width: 48px; height: 48px; flex-shrink: 0; background: var(--sky);
  border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 22px;
}
.sme-why-item h4 { font-size: 16px; font-weight: 600; margin-bottom: 6px; color: var(--navy); }
.sme-why-item p { font-size: 14px; color: var(--gray); }

/* ─── BLOCK 9: TESTIMONIALS ───────────────────────────── */
.sme-testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.sme-testi-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--radius); padding: 28px 24px; text-align: left; }
.sme-testi-stars { color: var(--gold); font-size: 18px; margin-bottom: 14px; }
.sme-testi-text { font-size: 14px; color: var(--gray); line-height: 1.7; margin-bottom: 20px; }
.sme-testi-author { display: flex; align-items: center; gap: 12px; }
.sme-testi-avatar {
  width: 44px; height: 44px; border-radius: 50%; background: var(--sky);
  display: flex; align-items: center; justify-content: center; font-family: var(--font-head); font-size: 18px; color: var(--blue);
}
.sme-testi-name { font-weight: 600; font-size: 14px; color: var(--navy); }
.sme-testi-role { font-size: 12px; color: var(--gray); }

/* ─── BLOCK 10: RESOURCES TABS ────────────────────────── */
.sme-tab-bar { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 40px; margin-bottom: 32px; }
.sme-tab-btn {
  padding: 9px 22px; border-radius: 50px; border: 1.5px solid var(--border);
  font-size: 14px; font-weight: 500; cursor: pointer; background: #fff; transition: all .2s;
}
.sme-tab-btn.active, .sme-tab-btn:hover { background: var(--blue); color: #fff; border-color: var(--blue); }
.sme-articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.sme-article-card { border-radius: var(--radius); overflow: hidden; border: 1.5px solid var(--border); background: #fff; transition: box-shadow .2s; text-align: left; }
.sme-article-card:hover { box-shadow: var(--shadow); }
.sme-article-img { height: 160px; background: var(--sky); display: flex; align-items: center; justify-content: center; font-size: 48px; }
.sme-article-body { padding: 20px; }
.sme-article-tag { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--blue); margin-bottom: 8px; }
.sme-article-body h4 { font-size: 15px; font-weight: 600; line-height: 1.4; margin-bottom: 8px; color: var(--navy); }
.sme-article-body p { font-size: 13px; color: var(--gray); }

/* ─── BLOCK 11: FAQ ACCORDION ─────────────────────────── */
.sme-faq-list { margin-top: 48px; max-width: 780px; margin-left: auto; margin-right: auto; text-align: left; }
.sme-faq-item { border-bottom: 1px solid var(--border); }
.sme-faq-q { display: flex; justify-content: space-between; align-items: center; padding: 20px 0; cursor: pointer; font-size: 16px; font-weight: 600; user-select: none; color: var(--navy); }
.sme-faq-q:hover { color: var(--blue); }
.sme-faq-icon { font-size: 22px; color: var(--blue); transition: transform .2s; flex-shrink: 0; }
.sme-faq-item.open .sme-faq-a { display: block; }
.sme-faq-item.open .sme-faq-icon { transform: rotate(45deg); }
.sme-faq-a { display: none; padding-bottom: 18px; font-size: 14px; color: var(--gray); line-height: 1.7; }

/* ─── BLOCK 12: BOTTOM CTA ────────────────────────────── */
.sme-cta-strip { background: linear-gradient(135deg, var(--navy) 0%, #1A6BE0 100%); color: #fff; text-align: center; padding: 80px 0; position: relative; overflow: hidden; }
.sme-cta-strip::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse at 70% 50%, rgba(26,107,224,.5) 0%, transparent 70%); }
.sme-cta-strip > .sme-container { position: relative; }
.sme-cta-strip h2 { font-family: var(--font-head); font-size: clamp(28px, 4vw, 44px); margin-bottom: 14px; }
.sme-cta-strip p { font-size: 17px; color: #b8ccdf; margin-bottom: 36px; }
.sme-cta-form { display: flex; gap: 12px; max-width: 560px; margin: 0 auto; flex-wrap: wrap; justify-content: center; }
.sme-cta-form input { flex: 1; min-width: 220px; padding: 14px 18px; border-radius: 8px; border: none; font-size: 15px; outline: none; font-family: var(--font-body); }
.sme-cta-guarantee { font-size: 12px; color: #7fa3c8; margin-top: 14px; }

/* ─── BLOCK 13: FOOTER ────────────────────────────────── */
.sme-footer { background: var(--navy); color: #cdd8e8; padding: 60px 0 32px; text-align: left; }
.sme-footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; }
.sme-footer-brand p { font-size: 14px; margin-top: 14px; color: #7fa3c8; line-height: 1.7; }
.sme-footer-col h5 { font-size: 13px; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: #fff; margin-bottom: 16px; }
.sme-footer-col ul { list-style: none; padding: 0; margin: 0; }
.sme-footer-col ul li { margin-bottom: 10px; }
.sme-footer-col ul li a { color: #7fa3c8; font-size: 14px; }
.sme-footer-col ul li a:hover { color: #fff; text-decoration: none; }
.sme-footer-bottom { border-top: 1px solid #1d3658; margin-top: 48px; padding-top: 24px; display: flex; justify-content: space-between; font-size: 13px; color: #4d6a86; flex-wrap: wrap; gap: 10px; }

/* ─── RESPONSIVE MEDIA QUERIES ────────────────────────── */
@media (max-width: 900px) {
  .sme-hero-grid { grid-template-columns: 1fr; }
  .sme-hero-card { max-width: 480px; margin: 0 auto; }
  .sme-stats-grid, .sme-steps, .sme-loans-grid, .sme-sectors-grid { grid-template-columns: repeat(2, 1fr); }
  .sme-steps::before { display: none; }
  .sme-why-grid, .sme-testimonials-grid, .sme-articles-grid { grid-template-columns: 1fr; }
  .sme-footer-grid { grid-template-columns: 1fr 1fr; }
  .sme-nav-links { display: none; }
}
@media (max-width: 600px) {
  .sme-loans-grid, .sme-stats-grid, .sme-steps, .sme-form-row, .sme-footer-grid, .sme-sectors-grid { grid-template-columns: 1fr; }
  .sme-nav { padding: 0 16px; }
  .sme-nav-cta .sme-btn-outline { display: none; }
}/* End custom CSS */