* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: Arial, sans-serif;
}

body {
    background: #f5f5f5;
    color: #333;
}

.page-wrapper {
    width: 100%;
    min-height: 100vh;
    padding: 20px;
}

.loan-card {
    max-width: 420px;
    margin: 0 auto;
    background: #fff;
    border-radius: 14px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.12);
    overflow: hidden;
}

.loan-header {
    background: #000;
    text-align: center;
    padding: 20px;
}

.loan-header img {
    width: 110px;
    height: 110px;
    border-radius: 50%;
    object-fit: cover;
    margin-bottom: 10px;
}

.loan-header h1 {
    color: orange;
    font-size: 34px;
    font-weight: bold;
}

.loan-intro {
    padding: 20px;
}

.loan-intro h2 {
    font-size: 26px;
    margin-bottom: 12px;
}

.help-text {
    font-size: 14px;
    color: #555;
    line-height: 1.7;
    margin-bottom: 12px;
}

.note {
    background: rgba(0, 0, 255, 0.08);
    color: #d43c3c;
    font-size: 13px;
    padding: 12px;
    border-radius: 8px;
    line-height: 1.6;
}

.note span {
    font-weight: bold;
}

form {
    padding: 0 20px 25px;
}

.form-group {
    margin-bottom: 16px;
    display: flex;
    flex-direction: column;
}

.form-group label {
    font-size: 14px;
    font-weight: 600;
    margin-bottom: 7px;
}

.form-group input,
.form-group select {
    padding: 13px 14px;
    border: 1px solid rgba(0,0,0,0.2);
    border-radius: 10px;
    font-size: 14px;
    outline: none;
    transition: 0.2s;
}

.form-group input:focus,
.form-group select:focus {
    border-color: orange;
    box-shadow: 0 0 0 3px rgba(255,165,0,0.15);
}

.dob-row {
    display: flex;
    gap: 10px;
}

.dob-row input {
    width: 100%;
}

.terms-box {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    margin: 20px 0 12px;
}

.terms-box input {
    margin-top: 4px;
    width: 18px;
    height: 18px;
}

.terms-box label {
    font-size: 14px;
    line-height: 1.6;
    color: #444;
}

.required-note {
    font-size: 13px;
    margin-bottom: 20px;
    color: #666;
}

.button-group {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.btn-primary,
.btn-secondary {
    padding: 15px;
    border: none;
    border-radius: 10px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
}

.btn-primary {
    background: #ff7b00;
    color: #fff;
}

.btn-primary:hover {
    background: #e66f00;
}

.btn-secondary {
    background: #f3f3f3;
    color: #000;
    border: 1px solid #ddd;
}

.btn-secondary:hover {
    background: #e9e9e9;
}

@media (max-width: 480px) {
    .page-wrapper {
        padding: 10px;
    }

    .loan-header h1 {
        font-size: 28px;
    }

    .loan-intro h2 {
        font-size: 22px;
    }

    .dob-row {
        flex-direction: row;
    }
}