* { box-sizing:border-box; margin:0; padding:0; font-family:Arial, sans-serif; }
body { background:#f7f7fb; color:#222; min-height:100vh; position:relative; }
.overlay { position:fixed; inset:0; background:url('images/student-bg.jpg') center/cover no-repeat; opacity:0.08; z-index:-1; }

header { text-align:center; padding:2rem; background: rgba(31,42,68,0.95); color:#fff; }
header h1 { font-size:2.5rem; margin-bottom:0.2rem; color:#f5c542; }
header p { opacity:0.9; }
.nav { margin-top:1rem; }
.nav button { margin:0 5px; padding:0.5rem 1rem; border:none; border-radius:6px; cursor:pointer; background:#f5c542; color:#000; font-weight:bold; }
.nav button:hover { opacity:0.9; }

main { max-width:600px; margin:2rem auto; padding:0 1rem; }
.section { display:none; background:#fff; padding:25px; border-radius:12px; box-shadow:0 10px 25px rgba(0,0,0,0.12); margin-bottom:2rem; }
.section.active { display:block; }

form input, form select, form button, form textarea { width:100%; margin:10px 0; padding:12px; border-radius:6px; border:1px solid #ccc; }
textarea { resize:none; height:70px; }
.checkbox { font-size:12px; margin:10px 0; display:block; }
button { background:#1f2a44; color:#fff; border:none; cursor:pointer; font-weight:bold; }
button:hover { opacity:0.9; }

#loanResult { margin-top:10px; padding:12px; background:#eef2ff; border-radius:8px; font-size:14px; }

.terms-link {
  color:#1e90ff;
  text-decoration:underline;
  cursor:pointer;
}

.terms-box {
  background:#e6f0ff;
  border-left:4px solid #1e90ff;
  padding:12px;
  margin:10px 0;
  border-radius:6px;
  font-size:13px;
}

footer { text-align:center; padding:15px; font-size:13px; color:#555; }