body {
  font-family: Arial;
  background: #f4f6fb;
  margin: 0;
}

.loan-container {
  max-width: 1000px;
  margin: auto;
  padding: 30px;
}

.loan-summary {
  background: white;
  padding: 30px;
  border-radius: 12px;
  box-shadow: 0 6px 15px rgba(0, 0, 0, 0.08);
  margin-bottom: 40px;
  text-align: center;
}

.loan-balance {
  font-size: 36px;
  font-weight: 700;
  margin: 10px 0;
}

.loan-title {
  margin-bottom: 20px;
}

.loan-options {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}

.loan-card {
  background: white;
  padding: 25px;
  border-radius: 12px;
  box-shadow: 0 6px 15px rgba(0, 0, 0, 0.08);
  text-align: center;
}

.loan-card h3 {
  margin-bottom: 10px;
}

.loan-btn {
  margin-top: 15px;
  padding: 10px 20px;
  border: none;
  background: #4b38f5;
  color: white;
  border-radius: 20px;
  cursor: pointer;
}

.loan-back {
  text-align: center;
  margin-top: 40px;
}

.back-btn {
  background: #021633;
  color: white;
  padding: 14px 30px;
  border-radius: 25px;
  text-decoration: none;
}

.loan-form-section {
  background: white;
  padding: 30px;
  margin-top: 40px;
  border-radius: 12px;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
}

.loan-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 20px;
}

.loan-form input,
.loan-form select,
.loan-form textarea {
  padding: 12px;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-size: 14px;
}

.submit-loan-btn {
  margin-top: 15px;
  padding: 14px;
  background: #4b38f5;
  color: white;
  border: none;
  border-radius: 25px;
  cursor: pointer;
  font-size: 15px;
}

.hidden {
  display: none;
}

.loan-otp {
  margin-top: 30px;
  background: white;
  padding: 25px;
  border-radius: 10px;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
  text-align: center;
}

.loan-otp input {
  padding: 12px;
  width: 220px;
  border: 1px solid #ccc;
  border-radius: 6px;
  margin-top: 10px;
}

.verify-loan-btn {
  margin-top: 15px;
  padding: 12px 22px;
  background: #4b38f5;
  color: white;
  border: none;
  border-radius: 25px;
  cursor: pointer;
}

.hidden {
  display: none;
}

/* ── Mobile ── */
@media (max-width: 768px) {
  .loan-hero {
    padding: 40px 16px !important;
  }
  .loan-hero h1 {
    font-size: 1.8rem !important;
  }
  .loan-types {
    grid-template-columns: 1fr !important;
    gap: 14px !important;
  }
  .loan-card {
    padding: 22px 18px !important;
  }
  .loan-form {
    padding: 24px 18px !important;
  }
  .loan-form .form-row {
    grid-template-columns: 1fr !important;
  }
  .form-group input,
  .form-group select,
  .form-group textarea {
    font-size: 16px !important;
  }
  .calculator-box {
    padding: 22px 18px !important;
  }
}