.hero-bg-image {
  position: absolute;
  top: 20px;
  left: 0;
  width: 100%;
  opacity: 0.12;
  z-index: 0;
  border-radius: 20px;
}

.loan-form-container {
  background: #ffffff;
  padding: 35px;
  border-radius: 16px;
  box-shadow: 0 15px 40px rgba(0,0,0,0.12);
  position: relative;
  z-index: 2;
}

.form-title {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 5px;
}

.form-subtitle {
  font-size: 14px;
  color: #666;
  margin-bottom: 20px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-grid input,
.form-grid select {
  width: 100%;
  padding: 12px 14px;
  border-radius: 10px;
  border: 1px solid #ddd;
  outline: none;
  transition: 0.3s;
}

.form-grid input:focus,
.form-grid select:focus {
  border-color: #0d6efd;
  box-shadow: 0 0 8px rgba(13,110,253,0.2);
}

.form-checkbox {
  margin-top: 15px;
  font-size: 13px;
  display: flex;
  gap: 8px;
  align-items: center;
}

.btn-submit {
  width: 100%;
  margin-top: 15px;
  padding: 14px;
  background: #0d6efd;
  color: white;
  border: none;
  border-radius: 10px;
  font-weight: 600;
  transition: 0.3s;
}

.btn-submit:hover {
  background: #0b5ed7;
}