/* ===== Reset & Base ===== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Inter', sans-serif;
    line-height: 1.6;
    background: #f9f9f9;
    color: #333;
}

/* ===== Header ===== */
.finance-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1rem 2rem;
    background: #fff;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
    position: sticky;
    top: 0;
    z-index: 999;
}

.finance-header .logo {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 1.8rem;
    color: #0b3d91;
    text-decoration: none;
}

.finance-header .bank-logo {
    width: 120px;
    object-fit: contain;
}

/* ===== Hero ===== */
.finance-hero {
    padding: 4rem 2rem;
    text-align: center;
    background: #f4f7fb;
}

.finance-hero h1 {
    font-family: 'Montserrat', sans-serif;
    font-size: 2.5rem;
    margin-bottom: 1rem;
    color: #0b3d91;
}

.finance-hero p {
    font-size: 1.1rem;
    max-width: 700px;
    margin: 0 auto;
    color: #555;
}

/* ===== Form Section with Watermark ===== */
/* ===== Form Section with Watermark ===== */
.finance-form-section {
    padding: 3rem 2rem;
    max-width: 800px;
    margin: 0 auto;
    position: relative;
    overflow: hidden;
    /* ensures watermark stays contained */
}

/* Proper faint watermark */
.finance-form-section::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 600px;
    /* enlarge for proper watermark look */
    height: 600px;
    background: url('../images/banks/fnb.png') center/contain no-repeat;
    opacity: 0.08;
    /* subtle & professional */
    transform: translate(-50%, -50%) rotate(-0deg);
    /* slight tilt like official docs */
    pointer-events: none;
    z-index: 0;
}

/* Form sits above watermark */
.finance-form {
    background: transparent;
    /* no white box */
    padding: 2rem;
    border-radius: 12px;
    box-shadow: none;
    position: relative;
    z-index: 1;
}

/* ===== Form ===== */

.finance-form h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.5rem;
    margin-bottom: 1rem;
    color: #0b3d91;
}

.form-group {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.form-group input,
.form-group textarea {
    flex: 1 1 45%;
    padding: 0.75rem 1rem;
    border-radius: 6px;
    border: 1px solid #ccc;
    font-size: 1rem;
}

.form-group textarea {
    flex: 1 1 100%;
    resize: vertical;
}

/* ===== Button ===== */
.btn {
    display: inline-block;
    padding: 0.75rem 2rem;
    background: #0b3d91;
    color: #fff;
    border: none;
    border-radius: 6px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    cursor: pointer;
    transition: background 0.3s ease;
}

.btn:hover {
    background: #ff6b3c;
}

/* ===== Footer ===== */
.finance-footer {
    background: #0b3d91;
    color: #fff;
    text-align: center;
    padding: 2rem;
    font-size: 0.95rem;
}

.logo {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 1.8rem;
    color: #0b3d91;
}

.logo .logo-coil {
    color: #0b3d91;
}

.logo .logo-ards {
    color: #ff6b3c;
}