*{
      margin:0;
      padding:0;
      box-sizing:border-box;
    }

    body{
      font-family:'Poppins',sans-serif;
      background:#f5f8fd;
      color:#222;
      overflow-x:hidden;
    }

    img{
      max-width:100%;
      display:block;
    }

    a{
      text-decoration:none;
    }

    ul{
      list-style:none;
    }

    .container{
      width:100%;
      max-width:1300px;
      margin:auto;
      padding:0 20px;
    }

    /* =========================
        HEADER
    ========================== */

    header{
      background:#fff;
      padding:16px 0;
      box-shadow:0 2px 15px rgba(0,0,0,0.05);
      position:sticky;
      top:0;
      z-index:999;
    }

    .navbar{
      display:flex;
      justify-content:space-between;
      align-items:center;
      /* gap:30px; */
      flex-wrap:wrap;
    }

    .logo{
      display:flex;
      align-items:center;
      gap:12px;
    }

    .logo img{
      width:60px;
    }

    .logo-text h2{
      font-size:24px;
      color:#0d2e75;
      line-height:1.2;
      font-weight:700;
    }

    .nav-menu{
      display:flex;
      align-items:center;
      gap:28px;
      flex-wrap:wrap;
    }

    .nav-menu a{
      color:#222;
      font-size:15px;
      font-weight:500;
      transition:0.3s;
    }

    .nav-menu a:hover{
      color:#0d5be1;
    }

    .header-right{
      display:flex;
      align-items:center;
      gap:15px;
    }

    .lang-btn{
      border:1px solid #ddd;
      padding:10px 15px;
      border-radius:10px;
      background:#fff;
      cursor:pointer;
      font-weight:500;
    }

    .apply-btn{
      background:#0d5be1;
      color:#fff;
      padding:13px 24px;
      border-radius:12px;
      font-weight:600;
      transition:0.3s;
    }

    .apply-btn:hover{
      background:#083a94;
    }

    /* =========================
        HERO SECTION
    ========================== */

    .hero{
      padding:60px 0 40px;
    }

    .hero-wrapper{
      background:#fff;
      border-radius:30px;
      overflow:hidden;
      display:grid;
      grid-template-columns:1fr 1fr;
      align-items:center;
      box-shadow:0 5px 25px rgba(0,0,0,0.06);
    }

    .hero-content{
      padding:60px;
    }

    .hero-content h1{
      font-size:62px;
      line-height:1.1;
      color:#0d2e75;
      margin-bottom:25px;
      font-weight:700;
    }

    .hero-content h1 span{
      color:#ff7a00;
    }

    .hero-content p{
      color:#555;
      line-height:1.8;
      font-size:18px;
      margin-bottom:35px;
    }

    .hero-features{
      display:flex;
      gap:20px;
      margin-bottom:35px;
      flex-wrap:wrap;
    }

    .feature-card{
      background:#f4f8ff;
      padding:20px;
      border-radius:18px;
      text-align:center;
      min-width:130px;
      transition:0.3s;
    }

    .feature-card:hover{
      transform:translateY(-5px);
    }

    .feature-card i{
      font-size:35px;
      color:#0d5be1;
      margin-bottom:12px;
    }

    .feature-card h4{
      font-size:15px;
      color:#0d2e75;
      line-height:1.5;
    }

    .hero-buttons{
      display:flex;
      gap:15px;
      flex-wrap:wrap;
    }

    .primary-btn{
      background:#0d5be1;
      color:#fff;
      padding:16px 28px;
      border-radius:14px;
      font-weight:600;
      display:inline-flex;
      align-items:center;
      gap:10px;
    }

    .secondary-btn{
      background:#fff;
      color:#0d2e75;
      padding:16px 28px;
      border-radius:14px;
      font-weight:600;
      border:1px solid #d8d8d8;
      display:inline-flex;
      align-items:center;
      gap:10px;
    }

    .hero-image{
      position:relative;
      height:100%;
    }

    .hero-image img{
      width:100%;
      height:100%;
      object-fit:cover;
    }

    .hero-badge{
      position:absolute;
      bottom:40px;
      right:40px;
      background:#083a94;
      padding:20px;
      border-radius:20px;
      color:#fff;
      width:300px;
      box-shadow:0 10px 30px rgba(0,0,0,0.25);
    }

    .hero-badge h3{
      font-size:24px;
      margin-bottom:10px;
      line-height:1.4;
    }

    .hero-badge p{
      font-size:15px;
      opacity:0.9;
    }

    /* =========================
        APPLY PROCESS
    ========================== */

    .process-section{
      padding:40px 0;
    }

    .process-box{
      background:#fff;
      border-radius:25px;
      padding:40px;
      box-shadow:0 5px 25px rgba(0,0,0,0.06);
    }

    .process-top{
      display:grid;
      grid-template-columns:2fr 1fr;
      gap:40px;
      align-items:center;
    }

    .process-left h2{
      color:#0d2e75;
      font-size:38px;
      margin-bottom:12px;
    }

    .process-left p{
      color:#666;
      margin-bottom:40px;
    }

    .steps{
      display:flex;
      justify-content:space-between;
      gap:20px;
      flex-wrap:wrap;
    }

    .step{
      flex:1;
      min-width:120px;
      text-align:center;
      position:relative;
    }

    .step-circle{
      width:90px;
      height:90px;
      background:#f3f7ff;
      border-radius:50%;
      display:flex;
      align-items:center;
      justify-content:center;
      margin:auto;
      font-size:35px;
      color:#0d5be1;
      margin-bottom:15px;
    }

    .step h4{
      font-size:16px;
      color:#0d2e75;
      line-height:1.5;
    }

    .flat-selection{
      background:#f9fbff;
      border-radius:20px;
      padding:30px;
    }

    .flat-selection h3{
      color:#0d2e75;
      font-size:28px;
      margin-bottom:25px;
    }

    .flat-types{
      display:grid;
      grid-template-columns:repeat(3,1fr);
      gap:15px;
      margin-bottom:25px;
    }

    .flat-card{
      border:2px solid #e5ebf7;
      padding:20px;
      text-align:center;
      border-radius:18px;
      transition:0.3s;
      cursor:pointer;
      background:#fff;
    }

    .flat-card:hover{
      border-color:#0d5be1;
      transform:translateY(-4px);
    }

    .flat-card i{
      font-size:35px;
      margin-bottom:12px;
      color:#0d5be1;
    }

    .flat-card h4{
      color:#0d2e75;
      font-size:20px;
    }

    .apply-now-btn{
      width:100%;
      background:#0d5be1;
      color:#fff;
      border:none;
      padding:16px;
      border-radius:14px;
      font-size:18px;
      font-weight:600;
      cursor:pointer;
    }

    .note{
      margin-top:15px;
      text-align:center;
      color:#666;
      font-size:14px;
    }

    /* =========================
        NOTICE
    ========================== */

    .notice{
      margin-top:25px;
      background:#eef9f1;
      padding:25px;
      border-radius:20px;
      display:flex;
      justify-content:space-between;
      align-items:center;
      gap:20px;
      flex-wrap:wrap;
    }

    .notice-left{
      display:flex;
      align-items:center;
      gap:18px;
    }

    .notice-left i{
      width:60px;
      height:60px;
      background:#d6f5de;
      border-radius:50%;
      display:flex;
      align-items:center;
      justify-content:center;
      font-size:26px;
      color:#1e8e3e;
    }

    .notice h4{
      color:#1e8e3e;
      margin-bottom:6px;
    }

    .notice p{
      color:#555;
    }

    .eligibility-btn{
      background:#fff;
      padding:14px 24px;
      border-radius:12px;
      color:#0d2e75;
      font-weight:600;
      border:1px solid #d8d8d8;
    }

    /* =========================
        STATS
    ========================== */

    .stats{
      padding:40px 0;
    }

    .stats-wrapper{
      background:linear-gradient(135deg,#083a94,#0d5be1);
      padding:40px;
      border-radius:25px;
      display:grid;
      grid-template-columns:repeat(4,1fr);
      gap:25px;
    }

    .stat-card{
      color:#fff;
      text-align:center;
      position:relative;
    }

    .stat-icon{
      width:80px;
      height:80px;
      border-radius:50%;
      background:rgba(255,255,255,0.12);
      display:flex;
      align-items:center;
      justify-content:center;
      margin:auto;
      margin-bottom:20px;
      font-size:35px;
    }

    .stat-card h2{
      font-size:40px;
      margin-bottom:8px;
    }

    .stat-card p{
      opacity:0.9;
    }

    /* =========================
        ABOUT SECTION
    ========================== */

    .about{
      padding:50px 0;
    }

    .about-wrapper{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:40px;
    }

    .about-card{
      background:#fff;
      border-radius:25px;
      padding:40px;
      box-shadow:0 5px 25px rgba(0,0,0,0.06);
    }

    .about-card h2{
      color:#0d2e75;
      font-size:36px;
      margin-bottom:20px;
    }

    .about-card p{
      color:#555;
      line-height:1.9;
      margin-bottom:30px;
    }

    .about-image{
      border-radius:20px;
      overflow:hidden;
    }

    .features-grid{
      display:grid;
      grid-template-columns:repeat(2,1fr);
      gap:20px;
      margin-top:30px;
    }

    .feature-item{
      border:1px solid #e8eef8;
      padding:25px;
      border-radius:20px;
      text-align:center;
      transition:0.3s;
    }

    .feature-item:hover{
      transform:translateY(-5px);
      border-color:#0d5be1;
    }

    .feature-item i{
      font-size:35px;
      color:#0d5be1;
      margin-bottom:15px;
    }

    .feature-item h4{
      color:#0d2e75;
      line-height:1.5;
    }

    /* =========================
        STATUS SECTION
    ========================== */

    .status-section{
      padding:30px 0 50px;
    }

    .status-box{
      background:#edf5ff;
      padding:35px;
      border-radius:25px;
      display:grid;
      grid-template-columns:1fr auto;
      gap:30px;
      align-items:center;
    }

    .status-left h2{
      color:#0d2e75;
      font-size:34px;
      margin-bottom:12px;
    }

    .status-left p{
      color:#666;
    }

    .status-form{
      display:flex;
      gap:15px;
      flex-wrap:wrap;
    }

    .status-form input{
      padding:16px;
      border-radius:12px;
      border:1px solid #d6dfef;
      min-width:230px;
      font-size:15px;
      outline:none;
    }

    .status-form button{
      background:#0d5be1;
      color:#fff;
      border:none;
      padding:16px 30px;
      border-radius:12px;
      font-weight:600;
      cursor:pointer;
    }

    /* =========================
        QUICK LINKS
    ========================== */

    .quick-links{
      padding-bottom:60px;
    }

    .quick-links-grid{
      display:grid;
      grid-template-columns:repeat(6,1fr);
      gap:20px;
    }

    .quick-link{
      background:#fff;
      padding:30px 20px;
      border-radius:20px;
      text-align:center;
      box-shadow:0 5px 20px rgba(0,0,0,0.05);
      transition:0.3s;
    }

    .quick-link:hover{
      transform:translateY(-6px);
    }

    .quick-link i{
      font-size:35px;
      color:#0d5be1;
      margin-bottom:15px;
    }

    .quick-link h4{
      color:#0d2e75;
      margin-bottom:8px;
    }

    .quick-link p{
      color:#666;
      font-size:14px;
      line-height:1.7;
    }

    /* =========================
        FOOTER
    ========================== */

    .footer-parent{
      background:#08275f;
      padding:25px 0;
      color:#fff;
    }

    .footer-wrapper{
      display:flex;
      justify-content:space-between;
      align-items:center;
      gap:20px;
      flex-wrap:wrap;
    }

    .footer-links{
      display:flex;
      gap:20px;
      flex-wrap:wrap;
    }

    .footer-links a{
      color:#fff;
      opacity:0.9;
    }

    /* =========================
        RESPONSIVE
    ========================== */

    @media(max-width:1200px){

      .hero-wrapper,
      .process-top,
      .about-wrapper{
        grid-template-columns:1fr;
      }

      .stats-wrapper{
        grid-template-columns:repeat(2,1fr);
      }

      .quick-links-grid{
        grid-template-columns:repeat(3,1fr);
      }

    }

    @media(max-width:768px){

      .hero-content{
        padding:40px 25px;
      }

      .hero-content h1{
        font-size:42px;
      }

      .hero-badge{
        position:relative;
        right:auto;
        bottom:auto;
        width:100%;
        border-radius:0;
      }

      .steps{
        flex-direction:column;
      }

      .flat-types{
        grid-template-columns:1fr;
      }

      .stats-wrapper{
        grid-template-columns:1fr;
      }

      .features-grid{
        grid-template-columns:1fr;
      }

      .quick-links-grid{
        grid-template-columns:1fr;
      }

      .status-box{
        grid-template-columns:1fr;
      }

      .status-form{
        flex-direction:column;
      }

      .status-form input,
      .status-form button{
        width:100%;
      }

      .nav-menu{
        justify-content:center;
      }

      .navbar{
        justify-content:center;
      }

      .header-right{
        width:100%;
        justify-content:center;
      }

    }