:root {
    --primary: #2c3e50;
    --secondary: #3498db;
    --accent: #e74c3c;
    --success: #27ae60;
    --warning: #f39c12;
    --light-gray: #f8f9fa;
    --medium-gray: #e0e0e0;
    --dark-gray: #333;
    --white: #fff;
    --shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-hover: 0 8px 15px rgba(0, 0, 0, 0.2);
    --border-radius: 8px;
    --transition: all 0.3s ease;
}

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

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    background: var(--light-gray);
    color: var(--dark-gray);
    line-height: 1.6;
}

/* Navigation Styles */
.nav-menu {
    position: fixed;
    top: 0;
    width: 100%;
    background: var(--white);
    box-shadow: var(--shadow);
    z-index: 1000;
    transition: var(--transition);
}

.nav-menu.scrolled {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 70px;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 30px;
}

.nav-link {
    color: var(--dark-gray);
    text-decoration: none;
    font-weight: 500;
    transition: var(--transition);
    padding: 10px 0;
    position: relative;
}

.nav-link:hover,
.nav-link.active {
    color: var(--secondary);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--secondary);
    transition: var(--transition);
}

.nav-link:hover::after,
.nav-link.active::after {
    width: 100%;
}

.nav-toggle {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 4px;
}

.nav-toggle span {
    width: 25px;
    height: 3px;
    background: var(--dark-gray);
    transition: var(--transition);
}

/* Container */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 90px 20px 20px;
}

/* Section Styles */
.content-section {
    background: var(--white);
    margin-bottom: 40px;
    border-radius: var(--border-radius);
    box-shadow: var(--shadow);
    overflow: hidden;
}

.section-header {
    padding: 40px 40px 20px;
    text-align: center;
    background: linear-gradient(135deg, var(--primary), var(--secondary));
    color: var(--white);
}

.section-header h1 {
    font-size: 3rem;
    margin-bottom: 15px;
}

.section-header h2 {
    font-size: 2.5rem;
    margin-bottom: 15px;
}

.section-subtitle {
    font-size: 1.2rem;
    opacity: 0.9;
}

/* Introduction Content */
.intro-content {
    padding: 40px;
}

.intro-content h2 {
    color: var(--primary);
    font-size: 2rem;
    margin-bottom: 20px;
}

.intro-content p {
    font-size: 1.1rem;
    margin-bottom: 20px;
    line-height: 1.8;
}

.highlight-box {
    background: var(--light-gray);
    padding: 30px;
    border-radius: var(--border-radius);
    margin: 30px 0;
    border-left: 4px solid var(--secondary);
}

.highlight-box h3 {
    color: var(--primary);
    margin-bottom: 20px;
    font-size: 1.5rem;
}

.highlight-box ul {
    list-style: none;
    padding-left: 0;
}

.highlight-box li {
    margin-bottom: 10px;
    padding-left: 20px;
    position: relative;
}

.highlight-box li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: bold;
}

/* Calculator Styles */
.calculator-card {
    padding: 40px;
    background: linear-gradient(135deg, #fff3e0 0%, #ffeaa7 100%);
    border: 2px solid #f39c12;
    box-shadow: 0 8px 25px rgba(243, 156, 18, 0.2);
}

.calculator-explanation {
    margin-bottom: 30px;
    padding: 20px;
    background: var(--light-gray);
    border-radius: var(--border-radius);
}

.calculator-explanation h3 {
    color: var(--primary);
    margin-bottom: 15px;
}

.form-section {
    margin-bottom: 40px;
    padding: 25px;
    background: var(--white);
    border: 1px solid var(--medium-gray);
    border-radius: var(--border-radius);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
}

.form-section h4 {
    color: var(--primary);
    margin-bottom: 10px;
    font-size: 1.3rem;
}

.form-help {
    color: #666;
    margin-bottom: 20px;
    font-style: italic;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    color: var(--dark-gray);
}

.radio-group {
    display: flex;
    gap: 20px;
    margin-bottom: 20px;
}

.radio-option {
    display: flex;
    align-items: center;
    gap: 8px;
}

.radio-option input[type="radio"] {
    margin: 0;
}

.radio-option label {
    margin: 0;
    font-weight: normal;
    cursor: pointer;
}

input[type="number"],
input[type="text"],
select {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--medium-gray);
    border-radius: var(--border-radius);
    font-size: 16px;
    transition: var(--transition);
}

input[type="number"]:focus,
input[type="text"]:focus,
select:focus {
    outline: none;
    border-color: var(--secondary);
    box-shadow: 0 0 0 3px rgba(52, 152, 219, 0.1);
}

.range-slider {
    width: 100%;
    margin: 15px 0;
    height: 6px;
    background: var(--medium-gray);
    border-radius: 3px;
    outline: none;
    -webkit-appearance: none;
}

.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    background: var(--secondary);
    border-radius: 50%;
    cursor: pointer;
}

.range-slider::-moz-range-thumb {
    width: 20px;
    height: 20px;
    background: var(--secondary);
    border-radius: 50%;
    cursor: pointer;
    border: none;
}

.range-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 10px;
}

.range-labels span {
    font-size: 12px;
    color: #666;
}

.summary-box {
    background: var(--light-gray);
    padding: 25px;
    border-radius: var(--border-radius);
    margin: 30px 0;
    border-left: 4px solid var(--secondary);
}

.summary-box h4 {
    color: var(--primary);
    margin-bottom: 20px;
    font-size: 1.3rem;
}

.summary-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 15px;
    padding: 10px 0;
    border-bottom: 1px solid var(--medium-gray);
}

.summary-item:last-child {
    border-bottom: none;
    margin-bottom: 0;
}

.summary-label {
    font-weight: 600;
    color: var(--dark-gray);
}

.summary-value {
    font-weight: 700;
    color: var(--primary);
    font-size: 1.1rem;
}

.loan-details {
    margin-top: 40px;
    padding-top: 40px;
    border-top: 2px solid var(--medium-gray);
}

.loan-details h3 {
    color: var(--primary);
    margin-bottom: 20px;
}

.results-section {
    margin-top: 40px;
    padding-top: 40px;
    border-top: 2px solid var(--medium-gray);
}

.results-section h3 {
    color: var(--primary);
    margin-bottom: 30px;
    text-align: center;
}

.payment-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
    margin-bottom: 40px;
}

.payment-card {
    background: var(--light-gray);
    padding: 25px;
    border-radius: var(--border-radius);
    text-align: center;
    border: 1px solid var(--medium-gray);
}

.payment-card h4 {
    color: var(--primary);
    margin-bottom: 20px;
    font-size: 1.3rem;
}

.payment-highlight {
    background: var(--secondary);
    color: var(--white);
    padding: 20px;
    border-radius: var(--border-radius);
    margin-bottom: 15px;
}

.payment-label {
    display: block;
    font-size: 0.9rem;
    margin-bottom: 5px;
    opacity: 0.9;
}

.payment-value {
    display: block;
    font-size: 2rem;
    font-weight: 700;
}

.cost-breakdown {
    background: var(--white);
    padding: 25px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
}

.cost-breakdown h4 {
    color: var(--primary);
    margin-bottom: 20px;
    text-align: center;
}

.cost-table {
    width: 100%;
    border-collapse: collapse;
}

.cost-table td {
    padding: 12px 15px;
    border-bottom: 1px solid var(--medium-gray);
}

.cost-table td:first-child {
    font-weight: 600;
}

.cost-table td:last-child {
    text-align: right;
    font-weight: 700;
    color: var(--primary);
}

/* Process Steps */
.process-steps {
    padding: 40px;
}

.step-card {
    display: flex;
    gap: 30px;
    margin-bottom: 40px;
    padding: 30px;
    background: var(--light-gray);
    border-radius: var(--border-radius);
    border-left: 4px solid var(--secondary);
}

.step-card:last-child {
    margin-bottom: 0;
}

.step-number {
    flex: 0 0 60px;
    height: 60px;
    background: var(--secondary);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
}

.step-content h3 {
    color: var(--primary);
    margin-bottom: 15px;
}

.step-content p {
    margin-bottom: 20px;
    line-height: 1.7;
}

.step-content ul {
    list-style: none;
    padding-left: 0;
}

.step-content li {
    margin-bottom: 8px;
    padding-left: 20px;
    position: relative;
}

.step-content li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--secondary);
    font-weight: bold;
}

/* Loan Types Grid */
.loan-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 30px;
    padding: 40px;
}

.loan-type-card {
    background: var(--light-gray);
    padding: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
}

.loan-type-card h3 {
    color: var(--primary);
    margin-bottom: 20px;
    font-size: 1.4rem;
}

.loan-type-card > p {
    margin-bottom: 25px;
    line-height: 1.7;
}

.pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.pros h4 {
    color: var(--success);
    margin-bottom: 15px;
}

.cons h4 {
    color: var(--warning);
    margin-bottom: 15px;
}

.pros ul,
.cons ul {
    list-style: none;
    padding-left: 0;
}

.pros li,
.cons li {
    margin-bottom: 8px;
    padding-left: 20px;
    position: relative;
}

.pros li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: bold;
}

.cons li::before {
    content: '!';
    position: absolute;
    left: 0;
    color: var(--warning);
    font-weight: bold;
}

/* Benefits Section */
.benefits-content {
    padding: 40px;
}

.intro-text {
    margin-bottom: 40px;
    text-align: center;
}

.intro-text p {
    font-size: 1.1rem;
    line-height: 1.8;
    color: var(--dark-gray);
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-bottom: 50px;
}

.benefit-card {
    background: var(--light-gray);
    padding: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
    text-align: center;
    transition: var(--transition);
}

.benefit-card:hover {
    box-shadow: var(--shadow-hover);
    transform: translateY(-5px);
}

.benefit-icon {
    font-size: 3rem;
    margin-bottom: 20px;
}

.benefit-card h3 {
    color: var(--primary);
    margin-bottom: 20px;
    font-size: 1.4rem;
}

.benefit-card p {
    margin-bottom: 15px;
    line-height: 1.7;
    text-align: left;
}

.benefit-card ul {
    list-style: none;
    padding-left: 0;
    text-align: left;
}

.benefit-card li {
    margin-bottom: 10px;
    padding-left: 20px;
    position: relative;
}

.benefit-card li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: bold;
}

.challenges-section {
    background: var(--white);
    padding: 40px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
    margin-top: 40px;
}

.challenges-section h3 {
    color: var(--primary);
    margin-bottom: 20px;
    text-align: center;
    font-size: 1.8rem;
}

.challenges-section > p {
    text-align: center;
    margin-bottom: 30px;
    font-size: 1.1rem;
    line-height: 1.8;
}

.challenge-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 25px;
    margin-top: 30px;
}

.challenge-card {
    background: var(--light-gray);
    padding: 25px;
    border-radius: var(--border-radius);
    border-left: 4px solid var(--warning);
}

.challenge-card h4 {
    color: var(--primary);
    margin-bottom: 15px;
    font-size: 1.2rem;
}

.challenge-card p {
    margin-bottom: 15px;
    line-height: 1.7;
}

.challenge-card ul {
    list-style: none;
    padding-left: 0;
    margin-bottom: 15px;
}

.challenge-card li {
    margin-bottom: 8px;
    padding-left: 20px;
    position: relative;
}

.challenge-card li::before {
    content: '!';
    position: absolute;
    left: 0;
    color: var(--warning);
    font-weight: bold;
}

.features-section {
    background: var(--white);
    padding: 40px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
    margin-top: 40px;
}

.features-section h3 {
    color: var(--primary);
    margin-bottom: 20px;
    text-align: center;
    font-size: 1.8rem;
}

.features-section > p {
    text-align: center;
    margin-bottom: 30px;
    font-size: 1.1rem;
    line-height: 1.8;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 25px;
    margin-top: 30px;
}

.feature-card {
    background: var(--light-gray);
    padding: 25px;
    border-radius: var(--border-radius);
    border-left: 4px solid var(--secondary);
}

.feature-card h4 {
    color: var(--primary);
    margin-bottom: 15px;
    font-size: 1.2rem;
}

.feature-card p {
    margin-bottom: 15px;
    line-height: 1.7;
}

.feature-card ul {
    list-style: none;
    padding-left: 0;
    margin-bottom: 15px;
}

.feature-card li {
    margin-bottom: 8px;
    padding-left: 20px;
    position: relative;
}

.feature-card li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--secondary);
    font-weight: bold;
}

/* How to Use Section */
.how-to-use-content {
    padding: 40px;
}

.step-by-step {
    margin-bottom: 50px;
}

.step-by-step h3 {
    color: var(--primary);
    margin-bottom: 30px;
    text-align: center;
    font-size: 1.8rem;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 25px;
}

.step-item {
    background: var(--light-gray);
    padding: 25px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
    text-align: center;
}

.step-icon {
    font-size: 3rem;
    margin-bottom: 20px;
}

.step-item h4 {
    color: var(--primary);
    margin-bottom: 15px;
    font-size: 1.3rem;
}

.step-item ul {
    list-style: none;
    padding-left: 0;
    text-align: left;
}

.step-item li {
    margin-bottom: 10px;
    padding-left: 20px;
    position: relative;
}

.step-item li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: var(--secondary);
    font-weight: bold;
}

.tips-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
    margin-bottom: 50px;
}

.scenarios-section {
    background: var(--white);
    padding: 40px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
}

.scenarios-section h3 {
    color: var(--primary);
    margin-bottom: 20px;
    text-align: center;
    font-size: 1.8rem;
}

.scenarios-section > p {
    text-align: center;
    margin-bottom: 30px;
    font-size: 1.1rem;
}

.scenario-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: 30px;
}

.scenario-card {
    background: var(--light-gray);
    padding: 30px;
    border-radius: var(--border-radius);
    border-left: 4px solid var(--success);
}

.scenario-card h4 {
    color: var(--primary);
    margin-bottom: 15px;
    font-size: 1.3rem;
}

.scenario-card p {
    margin-bottom: 20px;
    line-height: 1.7;
}

.scenario-details {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 20px 0;
}

.scenario-inputs,
.scenario-outputs {
    background: var(--white);
    padding: 20px;
    border-radius: var(--border-radius);
}

.scenario-inputs h5,
.scenario-outputs h5 {
    color: var(--primary);
    margin-bottom: 15px;
    font-size: 1.1rem;
}

.scenario-inputs ul,
.scenario-outputs ul {
    list-style: none;
    padding-left: 0;
}

.scenario-inputs li,
.scenario-outputs li {
    margin-bottom: 8px;
    padding-left: 15px;
    position: relative;
}

.scenario-inputs li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: var(--secondary);
    font-weight: bold;
}

.scenario-outputs li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: bold;
}

/* Conclusion Section */
.conclusion-content {
    padding: 40px;
}

.conclusion-text p {
    font-size: 1.1rem;
    line-height: 1.8;
    margin-bottom: 25px;
}

.key-takeaways {
    background: var(--light-gray);
    padding: 40px;
    border-radius: var(--border-radius);
    margin: 40px 0;
}

.key-takeaways h3 {
    color: var(--primary);
    margin-bottom: 30px;
    text-align: center;
    font-size: 1.8rem;
}

.takeaway-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
}

.takeaway-item {
    background: var(--white);
    padding: 25px;
    border-radius: var(--border-radius);
    text-align: center;
    border: 1px solid var(--medium-gray);
}

.takeaway-icon {
    font-size: 2.5rem;
    margin-bottom: 15px;
}

.takeaway-item h4 {
    color: var(--primary);
    margin-bottom: 15px;
    font-size: 1.2rem;
}

.takeaway-item p {
    line-height: 1.6;
    margin: 0;
}

.final-message {
    background: var(--white);
    padding: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
    margin-top: 40px;
}

.final-message p {
    margin-bottom: 20px;
    font-size: 1.1rem;
    line-height: 1.8;
}

.final-message p:last-child {
    margin-bottom: 0;
    font-weight: 600;
    color: var(--primary);
}

/* Tips Grid */
.tips-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    padding: 40px;
}

.tip-card {
    background: var(--light-gray);
    padding: 30px;
    border-radius: var(--border-radius);
    border: 1px solid var(--medium-gray);
    text-align: center;
}

.tip-icon {
    font-size: 3rem;
    margin-bottom: 20px;
}

.tip-card h3 {
    color: var(--primary);
    margin-bottom: 20px;
    font-size: 1.4rem;
}

.tip-card p {
    margin-bottom: 20px;
    line-height: 1.7;
}

.tip-card ul {
    list-style: none;
    padding-left: 0;
    text-align: left;
}

.tip-card li {
    margin-bottom: 10px;
    padding-left: 20px;
    position: relative;
}

.tip-card li::before {
    content: '•';
    position: absolute;
    left: 0;
    color: var(--secondary);
    font-weight: bold;
}

/* FAQ Styles */
.faq-container {
    padding: 40px;
}

.faq-item {
    margin-bottom: 20px;
    border: 1px solid var(--medium-gray);
    border-radius: var(--border-radius);
    overflow: hidden;
}

.faq-question {
    padding: 20px;
    background: var(--light-gray);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: var(--transition);
}

.faq-question:hover {
    background: var(--medium-gray);
}

.faq-question h3 {
    color: var(--primary);
    margin: 0;
    font-size: 1.2rem;
}

.faq-toggle {
    font-size: 1.5rem;
    color: var(--secondary);
    font-weight: bold;
    transition: var(--transition);
}

.faq-item.active .faq-toggle {
    transform: rotate(45deg);
}

.faq-answer {
    padding: 0 20px;
    background: var(--white);
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 200px;
    padding: 20px;
}

.faq-answer p {
    margin: 0;
    line-height: 1.7;
}

/* Footer */
.footer {
    background: var(--primary);
    color: var(--white);
    margin-top: 60px;
}

.footer-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 40px 20px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 30px;
}

.footer-section h3,
.footer-section h4 {
    margin-bottom: 20px;
    color: var(--white);
}

.footer-section p {
    line-height: 1.7;
    opacity: 0.9;
}

.footer-section ul {
    list-style: none;
    padding-left: 0;
}

.footer-section li {
    margin-bottom: 10px;
}

.footer-section a {
    color: var(--white);
    text-decoration: none;
    opacity: 0.9;
    transition: var(--transition);
}

.footer-section a:hover {
    opacity: 1;
    color: var(--secondary);
}

.footer-bottom {
    text-align: center;
    padding-top: 30px;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
}

.footer-bottom p {
    margin-bottom: 10px;
    opacity: 0.8;
}

/* Responsive Design */
@media (max-width: 768px) {
    .nav-links {
        position: fixed;
        top: 70px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 70px);
        background: var(--white);
        flex-direction: column;
        justify-content: flex-start;
        align-items: center;
        padding: 50px 20px;
        transition: left 0.3s ease;
        box-shadow: var(--shadow);
        z-index: 999;
    }
    
    .nav-links.active {
        left: 0;
    }
    
    .nav-links li {
        margin: 15px 0;
        width: 100%;
        text-align: center;
    }
    
    .nav-link {
        display: block;
        padding: 15px 20px;
        font-size: 1.1rem;
        border-bottom: 1px solid var(--medium-gray);
    }
    
    .nav-link:last-child {
        border-bottom: none;
    }
    
    .nav-toggle {
        display: flex;
        z-index: 1001;
    }
    
    .nav-toggle.active span:nth-child(1) {
        transform: rotate(45deg) translate(5px, 5px);
    }
    
    .nav-toggle.active span:nth-child(2) {
        opacity: 0;
    }
    
    .nav-toggle.active span:nth-child(3) {
        transform: rotate(-45deg) translate(7px, -6px);
    }
    
    .container {
        padding: 90px 15px 20px;
    }
    
    .section-header {
        padding: 30px 20px 15px;
    }
    
    .section-header h1 {
        font-size: 2.5rem;
    }
    
    .section-header h2 {
        font-size: 2rem;
    }
    
    .intro-content,
    .calculator-card,
    .process-steps,
    .faq-container,
    .benefits-content,
    .how-to-use-content,
    .conclusion-content {
        padding: 25px;
    }
    
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    
    .challenge-cards {
        grid-template-columns: 1fr;
    }
    
    .challenges-section {
        padding: 25px;
    }
    
    .features-grid {
        grid-template-columns: 1fr;
    }
    
    .features-section {
        padding: 25px;
    }
    
    .steps-grid {
        grid-template-columns: 1fr;
    }
    
    .tips-cards {
        grid-template-columns: 1fr;
    }
    
    .scenarios-section {
        padding: 25px;
    }
    
    .scenario-cards {
        grid-template-columns: 1fr;
    }
    
    .scenario-details {
        grid-template-columns: 1fr;
    }
    
    .takeaway-grid {
        grid-template-columns: 1fr;
    }
    
    .key-takeaways {
        padding: 25px;
    }
    
    .payment-grid {
        grid-template-columns: 1fr;
    }
    
    .pros-cons {
        grid-template-columns: 1fr;
    }
    
    .loan-types-grid {
        grid-template-columns: 1fr;
        padding: 25px;
    }
    
    .tips-grid {
        grid-template-columns: 1fr;
        padding: 25px;
    }
    
    .step-card {
        flex-direction: column;
        text-align: center;
    }
    
    .step-number {
        align-self: center;
    }
    
    .radio-group {
        flex-direction: column;
        gap: 15px;
    }
    
    .footer-content {
        grid-template-columns: 1fr;
        gap: 30px;
    }
}

@media (max-width: 480px) {
    .nav-container {
        padding: 0 15px;
    }
    
    .nav-logo {
        font-size: 1.2rem;
    }
    
    .nav-links {
        padding: 30px 15px;
    }
    
    .nav-link {
        font-size: 1rem;
        padding: 12px 15px;
    }
    
    .container {
        padding: 90px 10px 20px;
    }
    
    .section-header {
        padding: 25px 15px 10px;
    }
    
    .section-header h1 {
        font-size: 2rem;
    }
    
    .section-header h2 {
        font-size: 1.8rem;
    }
    
    .payment-value {
        font-size: 1.5rem;
    }
    
    .form-section {
        padding: 20px;
        margin-bottom: 30px;
    }
    
    .summary-box {
        padding: 20px;
    }
    
    .intro-content,
    .calculator-card,
    .process-steps,
    .faq-container,
    .benefits-content,
    .how-to-use-content,
    .conclusion-content {
        padding: 20px;
    }
    
    .challenges-section {
        padding: 20px;
    }
    
    .features-section {
        padding: 20px;
    }
    
    .scenarios-section {
        padding: 20px;
    }
    
    .key-takeaways {
        padding: 20px;
    }
}