/* =========================================
   EVERSTEAD FINANCIAL - MAIN STYLESHEET
   ========================================= */

/* --- 1. RESET & BASE --- */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --navy: #0B1B2B;
    --navy-light: #1E293B;
    --green: #00C853;
    --green-hover: #00A846;
    --off-white: #F8FAFC;
    --gray-light: #E2E8F0;
    --gray-text: #64748B;
    --white: #FFFFFF;
    --radius: 10px;
    --shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    --shadow-lg: 0 10px 40px rgba(0, 0, 0, 0.12);
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--navy);
    background-color: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

a {
    text-decoration: none;
    color: inherit;
    transition: all 0.25s ease;
}

ul {
    list-style: none;
}

img {
    max-width: 100%;
    display: block;
}

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

/* --- 2. BUTTONS --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 24px;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: 15px;
    cursor: pointer;
    border: none;
    transition: all 0.25s ease;
    white-space: nowrap;
}

.btn-primary {
    background-color: var(--green);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(0, 200, 83, 0.3);
}

.btn-primary:hover {
    background-color: var(--green-hover);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0, 200, 83, 0.4);
}

.btn-block {
    width: 100%;
    padding: 16px;
    font-size: 16px;
}

/* --- 3. HEADER --- */
.main-header {
    background-color: var(--white);
    border-bottom: 1px solid var(--gray-light);
    position: sticky;
    top: 0;
    z-index: 1000;
    backdrop-filter: blur(10px);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 76px;
    gap: 24px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
}

.logo-text {
    display: flex;
    flex-direction: column;
    font-weight: 800;
    font-size: 20px;
    color: var(--navy);
    line-height: 1;
    letter-spacing: -0.5px;
}

.logo-sub {
    font-size: 9px;
    font-weight: 500;
    letter-spacing: 3px;
    color: var(--gray-text);
    margin-top: 3px;
}

.main-nav {
    display: flex;
    gap: 36px;
    flex: 1;
    justify-content: center;
}

.main-nav a {
    font-size: 15px;
    font-weight: 500;
    color: var(--navy-light);
    position: relative;
}

.main-nav a:hover {
    color: var(--green);
}

.main-nav a::after {
    content: '';
    position: absolute;
    bottom: -6px;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--green);
    transition: width 0.25s ease;
}

.main-nav a:hover::after {
    width: 100%;
}

.header-right {
    display: flex;
    align-items: center;
    gap: 20px;
}

.header-phone {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 600;
    color: var(--navy);
}

.header-phone:hover {
    color: var(--green);
}

.mobile-toggle {
    display: none;
    background: none;
    border: none;
    font-size: 24px;
    cursor: pointer;
    color: var(--navy);
}

/* --- 4. FOOTER --- */
.main-footer {
    background-color: var(--navy);
    color: #CBD5E1;
    padding-top: 70px;
    margin-top: 80px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 40px;
    padding-bottom: 50px;
}

.footer-brand .logo-footer .logo-text {
    color: var(--white);
}

.footer-brand .logo-footer .logo-sub {
    color: #94A3B8;
}

.footer-desc {
    margin-top: 18px;
    font-size: 14px;
    line-height: 1.7;
    color: #94A3B8;
}

.footer-col h4 {
    color: var(--white);
    font-size: 15px;
    font-weight: 700;
    margin-bottom: 20px;
    letter-spacing: 0.5px;
}

.footer-col ul li {
    margin-bottom: 12px;
}

.footer-col ul a {
    font-size: 14px;
    color: #94A3B8;
}

.footer-col ul a:hover {
    color: var(--green);
    padding-left: 4px;
}

.footer-contact li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14px;
    color: #94A3B8;
}

.footer-contact svg {
    color: var(--green);
    flex-shrink: 0;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 24px 0;
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
    font-size: 13px;
    color: #64748B;
}

.footer-disclaimer {
    font-size: 12px;
    color: #475569;
    max-width: 500px;
    text-align: right;
}

/* --- 5. RESPONSIVE --- */
@media (max-width: 992px) {
    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }
    .footer-disclaimer {
        text-align: left;
    }
}

@media (max-width: 768px) {
    .main-nav {
        display: none;
        position: absolute;
        top: 76px;
        left: 0;
        right: 0;
        background: var(--white);
        flex-direction: column;
        padding: 20px;
        gap: 20px;
        box-shadow: var(--shadow);
        border-bottom: 1px solid var(--gray-light);
    }
    .main-nav.active {
        display: flex;
    }
    .mobile-toggle {
        display: block;
    }
    .header-phone {
        display: none;
    }
    .footer-grid {
        grid-template-columns: 1fr;
    }
    .footer-bottom-inner {
        flex-direction: column;
        text-align: center;
    }
}
/* =========================================
   HOMEPAGE-SPECIFIC STYLES
   ========================================= */

/* --- HERO SECTION --- */
.hero {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    min-height: calc(100vh - 76px);
    position: relative;
}

.hero-left {
    position: relative;
    background-image: url('../images/hero-bg.jpg');
    background-size: cover;
    background-position: center;
    background-color: var(--navy);
    display: flex;
    align-items: center;
    padding: 60px 40px 60px 0;
}

/* Dark overlay for readability */
.hero-left::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(11, 27, 43, 0.92) 0%, rgba(11, 27, 43, 0.85) 100%);
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 620px;
    margin-left: auto;
    padding-left: 40px;
    padding-right: 20px;
    color: var(--white);
}

.hero-title {
    font-size: 64px;
    font-weight: 800;
    line-height: 1.05;
    letter-spacing: -2px;
    color: var(--white);
    margin-bottom: 24px;
}

.hero-subtitle {
    font-size: 18px;
    line-height: 1.6;
    color: #CBD5E1;
    margin-bottom: 40px;
    max-width: 500px;
}

.hero-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px 24px;
    margin-bottom: 48px;
}

.hero-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 15px;
    font-weight: 500;
    color: var(--white);
}

.check-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background-color: var(--green);
    color: var(--white);
    flex-shrink: 0;
}

.hero-trust {
    display: flex;
    align-items: center;
    gap: 24px;
    padding-top: 32px;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.trust-item {
    display: flex;
    flex-direction: column;
}

.trust-item strong {
    font-size: 22px;
    font-weight: 700;
    color: var(--green);
}

.trust-item span {
    font-size: 12px;
    color: #94A3B8;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-top: 2px;
}

.trust-divider {
    width: 1px;
    height: 32px;
    background-color: rgba(255, 255, 255, 0.15);
}

/* --- HERO RIGHT: FORM --- */
.hero-right {
    background-color: var(--off-white);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 60px 40px;
}

.form-card {
    background: var(--white);
    padding: 40px;
    border-radius: 16px;
    box-shadow: var(--shadow-lg);
    width: 100%;
    max-width: 520px;
    border: 1px solid var(--gray-light);
}

.form-header {
    margin-bottom: 28px;
}

.form-header h2 {
    font-size: 26px;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.5px;
    margin-bottom: 6px;
    line-height: 1.2;
}

.form-header p {
    font-size: 14px;
    color: var(--gray-text);
}

.loan-form .form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
}

.loan-form .form-group {
    display: flex;
    flex-direction: column;
}

.loan-form .form-full {
    margin-bottom: 20px;
}

.loan-form label {
    font-size: 13px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
    letter-spacing: 0.2px;
}

.loan-form input,
.loan-form select {
    padding: 13px 16px;
    border: 1px solid var(--gray-light);
    border-radius: 8px;
    font-size: 15px;
    font-family: inherit;
    color: var(--navy);
    background-color: var(--off-white);
    transition: all 0.2s ease;
    width: 100%;
}

.loan-form input:focus,
.loan-form select:focus {
    outline: none;
    border-color: var(--green);
    background-color: var(--white);
    box-shadow: 0 0 0 3px rgba(0, 200, 83, 0.15);
}

.loan-form input::placeholder {
    color: #94A3B8;
}

.form-security {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    font-size: 12px;
    color: var(--gray-text);
    margin-top: 16px;
}

.form-security svg {
    color: var(--green);
}

/* --- HOW IT WORKS --- */
.how-it-works {
    padding: 100px 0;
    background-color: var(--white);
}

.section-header {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 60px;
}

.section-header h2 {
    font-size: 40px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -1px;
    margin-bottom: 12px;
}

.section-header p {
    font-size: 17px;
    color: var(--gray-text);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.step-card {
    padding: 40px 32px;
    background-color: var(--off-white);
    border-radius: 16px;
    position: relative;
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.step-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow);
}

.step-number {
    font-size: 48px;
    font-weight: 800;
    color: var(--green);
    opacity: 0.2;
    line-height: 1;
    margin-bottom: 16px;
    letter-spacing: -2px;
}

.step-card h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
}

.step-card p {
    font-size: 15px;
    color: var(--gray-text);
    line-height: 1.6;
}

/* --- WHY CHOOSE US --- */
.why-us {
    padding: 100px 0;
    background-color: var(--off-white);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.feature-box {
    background: var(--white);
    padding: 32px 24px;
    border-radius: 16px;
    border: 1px solid var(--gray-light);
    transition: all 0.25s ease;
}

.feature-box:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow);
    border-color: var(--green);
}

.feature-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    border-radius: 12px;
    background-color: rgba(0, 200, 83, 0.1);
    color: var(--green);
    margin-bottom: 20px;
}

.feature-box h3 {
    font-size: 17px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
}

.feature-box p {
    font-size: 14px;
    color: var(--gray-text);
    line-height: 1.6;
}

/* --- FINAL CTA --- */
.final-cta {
    padding: 100px 0;
    background: linear-gradient(135deg, var(--navy) 0%, #1E3A5F 100%);
    text-align: center;
    color: var(--white);
}

.final-cta h2 {
    font-size: 42px;
    font-weight: 800;
    letter-spacing: -1px;
    margin-bottom: 16px;
}

.final-cta p {
    font-size: 18px;
    color: #CBD5E1;
    margin-bottom: 32px;
}

.btn-large {
    padding: 18px 40px;
    font-size: 16px;
}

/* --- RESPONSIVE: HOMEPAGE --- */
@media (max-width: 1100px) {
    .hero-title {
        font-size: 48px;
    }
    .hero-features {
        grid-template-columns: 1fr;
    }
    .features-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 900px) {
    .hero {
        grid-template-columns: 1fr;
    }
    .hero-left {
        padding: 60px 24px;
        min-height: auto;
    }
    .hero-content {
        margin: 0 auto;
        padding: 0;
        text-align: left;
    }
    .hero-right {
        padding: 60px 24px;
    }
    .steps-grid {
        grid-template-columns: 1fr;
    }
    .section-header h2 {
        font-size: 32px;
    }
    .final-cta h2 {
        font-size: 32px;
    }
}

@media (max-width: 600px) {
    .hero-title {
        font-size: 38px;
    }
    .hero-subtitle {
        font-size: 16px;
    }
    .hero-trust {
        flex-wrap: wrap;
    }
    .trust-divider {
        display: none;
    }
    .loan-form .form-row {
        grid-template-columns: 1fr;
    }
    .features-grid {
        grid-template-columns: 1fr;
    }
    .form-card {
        padding: 28px 20px;
    }
}
/* =========================================
   EXTENDED HOMEPAGE SECTIONS
   ========================================= */

/* --- HERO BADGE --- */
.hero-badge {
    display: inline-block;
    padding: 6px 14px;
    background-color: rgba(0, 200, 83, 0.15);
    border: 1px solid rgba(0, 200, 83, 0.3);
    color: var(--green);
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    border-radius: 50px;
    margin-bottom: 20px;
}

/* --- TESTIMONIALS BAR --- */
.testimonials-bar {
    background-color: var(--white);
    border-bottom: 1px solid var(--gray-light);
    padding: 32px 0;
}

.testimonials-inner {
    display: grid;
    grid-template-columns: 1.2fr 1fr 1fr;
    gap: 40px;
    align-items: center;
}

.testimonial-intro h3 {
    font-size: 22px;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.5px;
}

.testimonial-item {
    text-align: center;
}

.testimonial-item .stars {
    color: #FBBF24;
    font-size: 18px;
    letter-spacing: 2px;
    margin-bottom: 6px;
}

.testimonial-item p {
    font-size: 14px;
    color: var(--gray-text);
    line-height: 1.5;
}

.testimonial-item strong {
    color: var(--navy);
}

/* --- QUALIFY IN MINUTES --- */
.qualify-section {
    padding: 100px 0;
    background-color: var(--off-white);
}

.qualify-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: center;
}

.section-title-large {
    font-size: 56px;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.05;
    letter-spacing: -2px;
    margin-bottom: 20px;
}

.section-desc {
    font-size: 17px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 40px;
    max-width: 500px;
}

.mini-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.mini-feature-card {
    background: var(--white);
    padding: 24px;
    border-radius: 12px;
    border: 1px solid var(--gray-light);
    transition: all 0.25s ease;
}

.mini-feature-card:hover {
    border-color: var(--green);
    transform: translateY(-3px);
    box-shadow: var(--shadow);
}

.mini-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 10px;
    background-color: rgba(0, 200, 83, 0.1);
    color: var(--green);
    margin-bottom: 16px;
}

.mini-feature-card h4 {
    font-size: 15px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
    line-height: 1.3;
}

.mini-feature-card p {
    font-size: 13px;
    color: var(--gray-text);
    line-height: 1.6;
}

.qualify-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
    min-height: 500px;
}

/* --- LOAN OPTIONS --- */
.loan-options {
    padding: 100px 0;
    background-color: var(--white);
}

.option-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    margin-bottom: 80px;
}

.option-row:last-child {
    margin-bottom: 0;
}

.option-reverse .option-content {
    order: 2;
}

.option-reverse .option-image {
    order: 1;
}

.option-content h3 {
    font-size: 36px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -1px;
    margin-bottom: 16px;
    line-height: 1.1;
}

.option-content > p {
    font-size: 16px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 24px;
}

.option-features {
    margin-bottom: 32px;
}

.option-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 0;
    font-size: 15px;
    color: var(--navy);
    font-weight: 500;
}

.check-dark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background-color: var(--green);
    color: var(--white);
    font-size: 12px;
    font-weight: 700;
    flex-shrink: 0;
}

.option-image img {
    width: 100%;
    height: 420px;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: var(--shadow);
}

/* --- PRE-APPROVAL CTA --- */
.pre-approval-cta {
    padding: 100px 0;
    background-color: var(--off-white);
}

.pre-approval-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.pre-approval-left h2 {
    font-size: 52px;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.05;
    letter-spacing: -2px;
    margin-bottom: 20px;
}

.pre-approval-left > p {
    font-size: 17px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 32px;
}

.pre-approval-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px 24px;
    margin-bottom: 36px;
}

.pre-approval-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 15px;
    font-weight: 500;
    color: var(--navy);
}

.pre-approval-actions {
    display: flex;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
}

.btn-dark {
    background-color: var(--navy);
    color: var(--white);
    padding: 16px 32px;
    box-shadow: 0 4px 14px rgba(11, 27, 43, 0.25);
}

.btn-dark:hover {
    background-color: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(11, 27, 43, 0.35);
}

.link-arrow {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.link-arrow:hover {
    color: var(--green);
    gap: 10px;
}

.pre-approval-right img {
    width: 100%;
    height: 480px;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
}

/* --- FAQ SECTION --- */
.faq-section {
    padding: 100px 0;
    background-color: var(--white);
}

.faq-grid {
    display: grid;
    grid-template-columns: 1fr 1.3fr;
    gap: 80px;
    align-items: start;
}

.contact-info-block {
    margin-top: 40px;
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.contact-item {
    display: flex;
    align-items: center;
    gap: 16px;
}

.contact-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background-color: rgba(0, 200, 83, 0.1);
    color: var(--green);
    flex-shrink: 0;
}

.contact-item strong {
    display: block;
    font-size: 16px;
    color: var(--navy);
    font-weight: 700;
}

.contact-item span {
    font-size: 13px;
    color: var(--gray-text);
}

.faq-item {
    border-bottom: 1px solid var(--gray-light);
}

.faq-question {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: 24px 0;
    font-size: 17px;
    font-weight: 600;
    color: var(--navy);
    font-family: inherit;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: color 0.2s ease;
}

.faq-question:hover {
    color: var(--green);
}

.faq-question span {
    font-size: 22px;
    font-weight: 400;
    color: var(--green);
    transition: transform 0.3s ease;
}

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

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.35s ease;
}

.faq-item.active .faq-answer {
    max-height: 200px;
    padding-bottom: 24px;
}

.faq-answer p {
    font-size: 15px;
    color: var(--gray-text);
    line-height: 1.7;
}

/* --- RESPONSIVE: NEW SECTIONS --- */
@media (max-width: 992px) {
    .testimonials-inner {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 24px;
    }
    .qualify-grid,
    .option-row,
    .pre-approval-grid,
    .faq-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .option-reverse .option-content,
    .option-reverse .option-image {
        order: unset;
    }
    .section-title-large,
    .pre-approval-left h2 {
        font-size: 40px;
    }
    .qualify-image,
    .pre-approval-right img {
        height: auto;
        min-height: auto;
    }
}

@media (max-width: 600px) {
    .mini-features,
    .pre-approval-features {
        grid-template-columns: 1fr;
    }
    .section-title-large,
    .pre-approval-left h2,
    .option-content h3 {
        font-size: 32px;
        letter-spacing: -1px;
    }
    .faq-question {
        font-size: 15px;
    }
    .qualify-image {
        min-height: 300px;
    }
    .option-image img {
        height: 280px;
    }
}
/* =========================================
   PAGE HERO (For Loan Options page)
   ========================================= */
.page-hero {
    background-color: var(--off-white);
    padding: 80px 0;
}

.page-hero-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.page-hero-content h1 {
    font-size: 56px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -2px;
    line-height: 1.05;
    margin-bottom: 20px;
}

.page-hero-content p {
    font-size: 17px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 520px;
}

.page-hero-image img {
    width: 100%;
    height: 400px;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
}

/* =========================================
   LOAN CARDS GRID
   ========================================= */
.loan-compare {
    padding: 100px 0;
    background-color: var(--white);
}

.loan-cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    margin-top: 20px;
}

.loan-card {
    background: var(--white);
    border: 1px solid var(--gray-light);
    border-radius: 16px;
    padding: 40px 32px;
    position: relative;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
}

.loan-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--green);
}

.loan-card.featured {
    border: 2px solid var(--green);
    background-color: var(--off-white);
    box-shadow: var(--shadow);
}

.loan-card-badge {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    background-color: var(--green);
    color: var(--white);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    padding: 6px 16px;
    border-radius: 50px;
    white-space: nowrap;
}

.loan-card-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 64px;
    height: 64px;
    border-radius: 16px;
    background-color: rgba(0, 200, 83, 0.1);
    color: var(--green);
    margin-bottom: 24px;
}

.loan-card h3 {
    font-size: 22px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 12px;
    letter-spacing: -0.5px;
    line-height: 1.2;
}

.loan-card > p {
    font-size: 15px;
    color: var(--gray-text);
    line-height: 1.6;
    margin-bottom: 24px;
}

.loan-card-features {
    margin-bottom: 32px;
    flex-grow: 1;
}

.loan-card-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 0;
    font-size: 14px;
    color: var(--navy);
    font-weight: 500;
    border-bottom: 1px solid var(--gray-light);
}

.loan-card-features li:last-child {
    border-bottom: none;
}

.loan-card-features li::before {
    content: '✓';
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background-color: var(--green);
    color: var(--white);
    font-size: 11px;
    font-weight: 700;
    flex-shrink: 0;
}

/* =========================================
   LOAN DETAIL (Alternating sections)
   ========================================= */
.loan-detail {
    padding: 100px 0;
    background-color: var(--white);
}

.loan-detail-alt {
    background-color: var(--off-white);
}

.loan-detail-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.loan-detail-image img {
    width: 100%;
    height: 480px;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
}

.loan-detail-content h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -1px;
    margin-bottom: 20px;
    line-height: 1.15;
}

.loan-detail-content > p {
    font-size: 16px;
    color: var(--gray-text);
    line-height: 1.75;
    margin-bottom: 16px;
}

.loan-detail-content h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
    margin-top: 32px;
    margin-bottom: 16px;
}

/* =========================================
   COMPARISON TABLE
   ========================================= */
.compare-section {
    padding: 100px 0;
    background-color: var(--off-white);
}

.compare-table-wrapper {
    overflow-x: auto;
    border-radius: 16px;
    box-shadow: var(--shadow);
    background: var(--white);
}

.compare-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 700px;
}

.compare-table th,
.compare-table td {
    padding: 18px 24px;
    text-align: left;
    font-size: 15px;
    border-bottom: 1px solid var(--gray-light);
}

.compare-table thead th {
    background-color: var(--navy);
    color: var(--white);
    font-weight: 700;
    font-size: 14px;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.compare-table tbody td:first-child {
    font-weight: 600;
    color: var(--navy);
}

.compare-table tbody td {
    color: var(--gray-text);
}

.compare-table tbody tr:hover {
    background-color: var(--off-white);
}

.compare-table tbody tr:last-child td {
    border-bottom: none;
}

/* =========================================
   APPLY PAGE
   ========================================= */
.apply-hero {
    padding: 80px 0;
    background-color: var(--off-white);
}

.apply-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 60px;
    align-items: center;
}

.apply-title {
    font-size: 56px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -2px;
    line-height: 1.05;
    margin-bottom: 20px;
}

.apply-subtitle {
    font-size: 17px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 32px;
}

.apply-benefits {
    margin-bottom: 40px;
}

.apply-benefits li {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 20px;
}

.apply-benefits li .check-icon {
    margin-top: 2px;
}

.apply-benefits li strong {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

.apply-benefits li span {
    font-size: 14px;
    color: var(--gray-text);
    line-height: 1.5;
}

.apply-testimonial {
    background: var(--white);
    padding: 24px;
    border-radius: 12px;
    border-left: 4px solid var(--green);
    box-shadow: var(--shadow);
}

.apply-testimonial .stars {
    color: #FBBF24;
    font-size: 16px;
    letter-spacing: 2px;
    margin-bottom: 8px;
}

.apply-testimonial p {
    font-size: 14px;
    color: var(--gray-text);
    line-height: 1.6;
    font-style: italic;
    margin-bottom: 12px;
}

.apply-testimonial strong {
    font-size: 13px;
    color: var(--navy);
    font-weight: 700;
}

.form-card-apply {
    max-width: 100%;
}

/* =========================================
   TRUST BAR
   ========================================= */
.trust-bar {
    background-color: var(--navy);
    padding: 50px 0;
}

.trust-bar-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    text-align: center;
}

.trust-bar-item strong {
    display: block;
    font-size: 32px;
    font-weight: 800;
    color: var(--green);
    letter-spacing: -1px;
    margin-bottom: 4px;
}

.trust-bar-item span {
    font-size: 13px;
    color: #94A3B8;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-weight: 500;
}

/* =========================================
   RESPONSIVE: NEW PAGES
   ========================================= */
@media (max-width: 992px) {
    .page-hero-inner,
    .loan-detail-grid,
    .apply-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .loan-cards-grid {
        grid-template-columns: 1fr;
    }
    .page-hero-content h1,
    .apply-title {
        font-size: 40px;
    }
    .loan-detail-content h2 {
        font-size: 28px;
    }
    .page-hero-image img,
    .loan-detail-image img {
        height: 300px;
    }
    .trust-bar-inner {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 600px) {
    .page-hero-content h1,
    .apply-title {
        font-size: 32px;
        letter-spacing: -1px;
    }
    .loan-detail-content h2 {
        font-size: 24px;
    }
    .compare-table th,
    .compare-table td {
        padding: 14px 16px;
        font-size: 13px;
    }
    .trust-bar-item strong {
        font-size: 24px;
    }
}
/* =========================================
   HEADER & FOOTER ENHANCEMENTS
   ========================================= */

/* --- Hamburger Menu (Mobile) --- */
.hamburger-line {
    display: block;
    width: 22px;
    height: 2px;
    background-color: var(--navy);
    margin: 5px 0;
    border-radius: 2px;
    transition: all 0.3s ease;
}

.mobile-toggle[aria-expanded="true"] .hamburger-line:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}

.mobile-toggle[aria-expanded="true"] .hamburger-line:nth-child(2) {
    opacity: 0;
}

.mobile-toggle[aria-expanded="true"] .hamburger-line:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* --- Footer Social Icons --- */
.footer-social {
    display: flex;
    gap: 12px;
    margin-top: 20px;
}

.footer-social a {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 38px;
    height: 38px;
    border-radius: 8px;
    background-color: rgba(255, 255, 255, 0.06);
    color: #94A3B8;
    transition: all 0.25s ease;
}

.footer-social a:hover {
    background-color: var(--green);
    color: var(--white);
    transform: translateY(-2px);
}

/* --- Footer Trust Badges Strip --- */
.footer-trust {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 28px 0;
    background-color: rgba(0, 0, 0, 0.15);
}

.footer-trust-inner {
    display: flex;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
    gap: 40px;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13px;
    color: #94A3B8;
    font-weight: 500;
    letter-spacing: 0.3px;
}

.trust-badge svg {
    color: var(--green);
    flex-shrink: 0;
}

/* --- Responsive: Footer --- */
@media (max-width: 768px) {
    .footer-trust-inner {
        gap: 20px;
    }
    .trust-badge {
        font-size: 12px;
    }
}

@media (max-width: 500px) {
    .footer-trust-inner {
        flex-direction: column;
        gap: 16px;
        align-items: flex-start;
    }
}
/* =========================================
   SECTION LABEL (Small heading badge)
   ========================================= */
.section-label {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--green);
    margin-bottom: 14px;
}

/* =========================================
   ABOUT PAGE
   ========================================= */
.about-hero-actions {
    display: flex;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
    margin-top: 8px;
}

/* --- Our Story --- */
.our-story {
    padding: 100px 0;
    background-color: var(--white);
}

.story-grid {
    display: grid;
    grid-template-columns: 1.3fr 1fr;
    gap: 60px;
    align-items: start;
}

.story-content h2 {
    font-size: 40px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -1.5px;
    line-height: 1.15;
    margin-bottom: 24px;
}

.story-content p {
    font-size: 16px;
    color: var(--gray-text);
    line-height: 1.8;
    margin-bottom: 16px;
}

.story-content strong {
    color: var(--navy);
    font-weight: 700;
}

.story-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    position: sticky;
    top: 100px;
}

.stat-card {
    background: var(--off-white);
    border: 1px solid var(--gray-light);
    border-radius: 12px;
    padding: 24px;
    transition: all 0.25s ease;
}

.stat-card:hover {
    border-color: var(--green);
    transform: translateY(-3px);
    box-shadow: var(--shadow);
}

.stat-card strong {
    display: block;
    font-size: 30px;
    font-weight: 800;
    color: var(--green);
    letter-spacing: -1px;
    margin-bottom: 6px;
}

.stat-card span {
    font-size: 13px;
    color: var(--gray-text);
    line-height: 1.4;
}

/* --- Mission Section --- */
.mission-section {
    padding: 100px 0;
    background-color: var(--off-white);
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.value-card {
    background: var(--white);
    padding: 36px 28px;
    border-radius: 16px;
    border: 1px solid var(--gray-light);
    transition: all 0.3s ease;
}

.value-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--green);
}

.value-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    border-radius: 14px;
    background-color: rgba(0, 200, 83, 0.1);
    color: var(--green);
    margin-bottom: 22px;
}

.value-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 10px;
    letter-spacing: -0.3px;
}

.value-card p {
    font-size: 14px;
    color: var(--gray-text);
    line-height: 1.65;
}

/* --- Why Us About --- */
.why-us-about {
    padding: 100px 0;
    background-color: var(--white);
}

.why-us-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.why-us-image img {
    width: 100%;
    height: 560px;
    object-fit: cover;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
}

.why-us-content h2 {
    font-size: 38px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -1.5px;
    line-height: 1.15;
    margin-bottom: 32px;
}

.why-us-list li {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 22px;
}

.why-us-list .check-icon {
    margin-top: 2px;
}

.why-us-list strong {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 3px;
}

.why-us-list span {
    font-size: 14px;
    color: var(--gray-text);
    line-height: 1.55;
}

.why-us-content .btn {
    margin-top: 16px;
}

/* --- Testimonials Section --- */
.testimonials-section {
    padding: 100px 0;
    background-color: var(--off-white);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.testimonial-card {
    background: var(--white);
    padding: 32px;
    border-radius: 16px;
    border: 1px solid var(--gray-light);
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow);
    border-color: var(--green);
}

.testimonial-card .stars {
    color: #FBBF24;
    font-size: 18px;
    letter-spacing: 3px;
    margin-bottom: 16px;
}

.testimonial-card > p {
    font-size: 15px;
    color: var(--navy-light);
    line-height: 1.7;
    font-style: italic;
    margin-bottom: 24px;
    flex-grow: 1;
}

.testimonial-author strong {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: var(--navy);
}

.testimonial-author span {
    font-size: 13px;
    color: var(--gray-text);
}

/* =========================================
   CONTACT PAGE
   ========================================= */
.contact-hero {
    background: linear-gradient(135deg, var(--navy) 0%, #1E3A5F 100%);
    padding: 100px 0;
    text-align: center;
    color: var(--white);
}

.contact-hero-content {
    max-width: 720px;
    margin: 0 auto;
}

.contact-hero .hero-badge {
    background-color: rgba(0, 200, 83, 0.15);
    border-color: rgba(0, 200, 83, 0.4);
}

.contact-hero h1 {
    font-size: 56px;
    font-weight: 800;
    letter-spacing: -2px;
    line-height: 1.1;
    color: var(--white);
    margin-bottom: 20px;
}

.contact-hero p {
    font-size: 18px;
    color: #CBD5E1;
    line-height: 1.7;
}

/* --- Contact Main Grid --- */
.contact-main {
    padding: 100px 0;
    background-color: var(--off-white);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 60px;
    align-items: start;
}

.contact-info h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -1.2px;
    line-height: 1.15;
    margin-bottom: 14px;
}

.contact-info-desc {
    font-size: 16px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 40px;
}

.contact-methods {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-bottom: 40px;
}

.contact-method {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 20px;
    background: var(--white);
    border-radius: 12px;
    border: 1px solid var(--gray-light);
    transition: all 0.25s ease;
}

.contact-method:hover {
    border-color: var(--green);
    box-shadow: var(--shadow);
}

.contact-method-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background-color: rgba(0, 200, 83, 0.1);
    color: var(--green);
    flex-shrink: 0;
}

.contact-method strong {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 6px;
}

.contact-method a {
    display: block;
    font-size: 16px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 4px;
    transition: color 0.2s ease;
}

.contact-method a:hover {
    color: var(--green);
}

.contact-method span {
    font-size: 13px;
    color: var(--gray-text);
}

/* --- Quick Apply Box --- */
.quick-apply-box {
    background: var(--navy);
    padding: 32px;
    border-radius: 16px;
    color: var(--white);
    text-align: center;
}

.quick-apply-box h4 {
    font-size: 20px;
    font-weight: 700;
    margin-bottom: 8px;
}

.quick-apply-box p {
    font-size: 14px;
    color: #94A3B8;
    margin-bottom: 20px;
    line-height: 1.5;
}

/* --- Contact Form --- */
.contact-form-wrapper .form-card {
    max-width: 100%;
}

.loan-form textarea {
    padding: 13px 16px;
    border: 1px solid var(--gray-light);
    border-radius: 8px;
    font-size: 15px;
    font-family: inherit;
    color: var(--navy);
    background-color: var(--off-white);
    resize: vertical;
    min-height: 130px;
    transition: all 0.2s ease;
    width: 100%;
}

.loan-form textarea:focus {
    outline: none;
    border-color: var(--green);
    background-color: var(--white);
    box-shadow: 0 0 0 3px rgba(0, 200, 83, 0.15);
}

.loan-form textarea::placeholder {
    color: #94A3B8;
}

/* --- Centered FAQ --- */
.faq-grid-centered {
    grid-template-columns: 1fr;
    max-width: 800px;
    margin: 0 auto;
}

/* =========================================
   RESPONSIVE: ABOUT & CONTACT
   ========================================= */
@media (max-width: 992px) {
    .story-grid,
    .why-us-grid,
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .story-stats {
        position: static;
    }
    .values-grid {
        grid-template-columns: 1fr 1fr;
    }
    .testimonials-grid {
        grid-template-columns: 1fr;
    }
    .story-content h2,
    .why-us-content h2,
    .contact-info h2 {
        font-size: 30px;
    }
    .contact-hero h1 {
        font-size: 40px;
    }
    .why-us-image img {
        height: 360px;
    }
}

@media (max-width: 600px) {
    .values-grid {
        grid-template-columns: 1fr;
    }
    .story-stats {
        grid-template-columns: 1fr 1fr;
    }
    .contact-hero h1 {
        font-size: 32px;
        letter-spacing: -1px;
    }
    .story-content h2,
    .why-us-content h2,
    .contact-info h2 {
        font-size: 26px;
    }
    .stat-card strong {
        font-size: 24px;
    }
    .contact-method {
        padding: 16px;
    }
}
/* =========================================
   THANK YOU PAGE
   ========================================= */
.thank-you-section {
    padding: 100px 0;
    background-color: var(--off-white);
    min-height: calc(100vh - 76px);
    display: flex;
    align-items: center;
}

.thank-you-container {
    max-width: 720px;
    margin: 0 auto;
}

.thank-you-card {
    background: var(--white);
    padding: 60px 48px;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
    text-align: center;
    border: 1px solid var(--gray-light);
}

.success-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100px;
    height: 100px;
    margin: 0 auto 28px;
    border-radius: 50%;
    background-color: rgba(0, 200, 83, 0.1);
    color: var(--green);
    animation: scaleIn 0.5s ease;
}

@keyframes scaleIn {
    0% { transform: scale(0.5); opacity: 0; }
    100% { transform: scale(1); opacity: 1; }
}

.thank-you-card h1 {
    font-size: 40px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -1.5px;
    margin-bottom: 16px;
    line-height: 1.15;
}

.thank-you-lead {
    font-size: 17px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 40px;
    max-width: 540px;
    margin-left: auto;
    margin-right: auto;
}

.thank-you-lead strong {
    color: var(--navy);
    font-weight: 700;
}

.thank-you-steps {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
    margin-bottom: 40px;
    text-align: left;
    max-width: 480px;
    margin-left: auto;
    margin-right: auto;
}

.thank-you-step {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 16px 20px;
    background-color: var(--off-white);
    border-radius: 12px;
    border: 1px solid var(--gray-light);
}

.step-check {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background-color: var(--green);
    color: var(--white);
    font-size: 16px;
    font-weight: 700;
    flex-shrink: 0;
}

.thank-you-step strong {
    display: block;
    font-size: 15px;
    color: var(--navy);
    font-weight: 700;
    margin-bottom: 2px;
}

.thank-you-step span {
    font-size: 13px;
    color: var(--gray-text);
}

.thank-you-actions {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 24px;
    flex-wrap: wrap;
    margin-bottom: 40px;
    padding-bottom: 32px;
    border-bottom: 1px solid var(--gray-light);
}

.thank-you-contact p {
    font-size: 14px;
    color: var(--gray-text);
    margin-bottom: 10px;
}

.thank-you-phone {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 18px;
    font-weight: 700;
    color: var(--green);
    transition: color 0.2s ease;
}

.thank-you-phone:hover {
    color: var(--green-hover);
}

@media (max-width: 600px) {
    .thank-you-card {
        padding: 40px 24px;
    }
    .thank-you-card h1 {
        font-size: 28px;
    }
    .thank-you-lead {
        font-size: 15px;
    }
    .success-icon {
        width: 80px;
        height: 80px;
    }
    .success-icon svg {
        width: 44px;
        height: 44px;
    }
}
/* --- Form Alert Messages --- */
.form-alert {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 14px 18px;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 500;
    margin-bottom: 20px;
    line-height: 1.5;
}

.form-alert svg {
    flex-shrink: 0;
}

.form-alert-error {
    background-color: #FEF2F2;
    border: 1px solid #FECACA;
    color: #B91C1C;
}
/* =========================================
   PERSONAL LOANS PAGE STYLES
   ========================================= */

.personal-hero .hero-badge {
    background-color: rgba(255, 152, 0, 0.15);
    border-color: rgba(255, 152, 0, 0.4);
    color: #FF9800;
}

.personal-hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 24px;
    margin-top: 32px;
    padding-top: 24px;
    border-top: 1px solid var(--gray-light);
}

.trust-inline {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 600;
    color: var(--navy);
}

.trust-inline svg {
    color: var(--green);
    flex-shrink: 0;
}

/* --- Disclosure Box --- */
.disclosure-section {
    padding: 60px 0;
    background-color: var(--off-white);
    border-top: 1px solid var(--gray-light);
}

.disclosure-box {
    max-width: 900px;
    margin: 0 auto;
    padding: 28px 32px;
    background-color: var(--white);
    border-left: 4px solid var(--navy);
    border-radius: 8px;
}

.disclosure-box h4 {
    font-size: 14px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--navy);
    margin-bottom: 12px;
}

.disclosure-box p {
    font-size: 13px;
    color: var(--gray-text);
    line-height: 1.7;
}

/* =========================================
   LOAN TYPE SELECTOR (Apply Page)
   ========================================= */
.loan-type-selector {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 8px;
}

.loan-type-option {
    position: relative;
    cursor: pointer;
}

.loan-type-option input[type="radio"] {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.loan-type-box {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 6px;
    padding: 18px 14px;
    border: 2px solid var(--gray-light);
    border-radius: 10px;
    background-color: var(--off-white);
    transition: all 0.2s ease;
}

.loan-type-box svg {
    color: var(--gray-text);
    transition: color 0.2s ease;
}

.loan-type-box strong {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
}

.loan-type-box em {
    font-style: normal;
    font-size: 12px;
    color: var(--gray-text);
    line-height: 1.3;
}

.loan-type-option:hover .loan-type-box {
    border-color: var(--green);
    background-color: var(--white);
}

.loan-type-option input[type="radio"]:checked + .loan-type-box {
    border-color: var(--green);
    background-color: var(--white);
    box-shadow: 0 0 0 3px rgba(0, 200, 83, 0.15);
}

.loan-type-option input[type="radio"]:checked + .loan-type-box svg {
    color: var(--green);
}

/* Mobile */
@media (max-width: 500px) {
    .loan-type-selector {
        grid-template-columns: 1fr;
    }
    .loan-type-box {
        flex-direction: row;
        text-align: left;
        padding: 14px 16px;
    }
    .loan-type-box em {
        display: none;
    }
}
/* =========================================
   CHOOSE YOUR PATH (Homepage)
   ========================================= */
.choose-path {
    padding: 100px 0;
    background-color: var(--white);
}

.path-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    max-width: 1100px;
    margin: 0 auto;
}

.path-card {
    display: block;
    padding: 44px 36px;
    background-color: var(--white);
    border: 2px solid var(--gray-light);
    border-radius: 20px;
    transition: all 0.3s ease;
    text-decoration: none;
    color: inherit;
    position: relative;
    overflow: hidden;
}

.path-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--green) 0%, #10B981 100%);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.path-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: var(--green);
}

.path-card:hover::before {
    transform: scaleX(1);
}

.path-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 72px;
    height: 72px;
    border-radius: 18px;
    margin-bottom: 24px;
    transition: all 0.3s ease;
}

.path-icon-business {
    background-color: rgba(0, 200, 83, 0.1);
    color: var(--green);
}

.path-icon-personal {
    background-color: rgba(255, 152, 0, 0.1);
    color: #FF9800;
}

.path-card:hover .path-icon {
    transform: scale(1.08) rotate(-3deg);
}

.path-card h3 {
    font-size: 26px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.8px;
    margin-bottom: 12px;
    line-height: 1.2;
}

.path-card > p {
    font-size: 16px;
    color: var(--gray-text);
    line-height: 1.65;
    margin-bottom: 24px;
}

.path-features {
    margin-bottom: 28px;
    padding-bottom: 24px;
    border-bottom: 1px solid var(--gray-light);
}

.path-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 7px 0;
    font-size: 15px;
    color: var(--navy);
    font-weight: 500;
}

.path-features li::before {
    content: '✓';
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background-color: var(--green);
    color: var(--white);
    font-size: 11px;
    font-weight: 700;
    flex-shrink: 0;
}

.path-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 15px;
    font-weight: 700;
    color: var(--navy);
    transition: all 0.25s ease;
}

.path-card:hover .path-cta {
    color: var(--green);
    gap: 12px;
}

/* --- Final CTA Buttons --- */
.final-cta-buttons {
    display: flex;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
    margin-top: 8px;
}

/* --- Responsive --- */
@media (max-width: 900px) {
    .path-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    .path-card {
        padding: 32px 24px;
    }
    .path-card h3 {
        font-size: 22px;
    }
}

@media (max-width: 500px) {
    .final-cta-buttons {
        flex-direction: column;
        width: 100%;
    }
    .final-cta-buttons .btn {
        width: 100%;
    }
}
/* =========================================
   FOOTER LEGAL LINKS
   ========================================= */
.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
    padding-bottom: 16px;
}

.footer-legal-links {
    display: flex;
    gap: 24px;
    align-items: center;
}

.footer-legal-links a {
    font-size: 13px;
    color: #94A3B8;
    transition: color 0.2s ease;
    font-weight: 500;
}

.footer-legal-links a:hover {
    color: var(--green);
}

.main-footer .footer-disclaimer {
    font-size: 12px;
    color: #64748B;
    line-height: 1.6;
    max-width: 100%;
    text-align: left;
    padding-top: 12px;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    margin-top: 4px;
}

@media (max-width: 600px) {
    .footer-bottom-inner {
        flex-direction: column;
        text-align: center;
    }
    .footer-legal-links {
        justify-content: center;
        gap: 16px;
    }
    .main-footer .footer-disclaimer {
        text-align: center;
    }
}

/* =========================================
   LEGAL PAGES (Privacy & Terms)
   ========================================= */
.legal-hero {
    background: linear-gradient(135deg, var(--navy) 0%, #1E3A5F 100%);
    padding: 80px 0;
    text-align: center;
    color: var(--white);
}

.legal-hero .hero-badge {
    background-color: rgba(0, 200, 83, 0.15);
    border-color: rgba(0, 200, 83, 0.4);
    color: var(--green);
    margin-bottom: 20px;
}

.legal-hero h1 {
    font-size: 52px;
    font-weight: 800;
    letter-spacing: -2px;
    color: var(--white);
    margin-bottom: 12px;
}

.legal-hero p {
    font-size: 15px;
    color: #94A3B8;
    font-weight: 500;
}

.legal-content {
    padding: 80px 0;
    background-color: var(--white);
}

.legal-container {
    max-width: 820px;
    margin: 0 auto;
}

.legal-intro {
    padding: 28px 32px;
    background-color: var(--off-white);
    border-left: 4px solid var(--green);
    border-radius: 8px;
    margin-bottom: 48px;
}

.legal-intro p {
    font-size: 16px;
    color: var(--navy-light);
    line-height: 1.7;
    margin-bottom: 12px;
}

.legal-intro p:last-child {
    margin-bottom: 0;
}

.legal-section {
    margin-bottom: 44px;
}

.legal-section:last-child {
    margin-bottom: 0;
}

.legal-section h2 {
    font-size: 22px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.5px;
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--gray-light);
}

.legal-section p {
    font-size: 15px;
    color: var(--gray-text);
    line-height: 1.8;
    margin-bottom: 14px;
}

.legal-section p:last-child {
    margin-bottom: 0;
}

.legal-section strong {
    color: var(--navy);
    font-weight: 700;
}

.legal-section ul {
    margin: 16px 0 20px 0;
    padding-left: 0;
}

.legal-section ul li {
    position: relative;
    padding-left: 26px;
    margin-bottom: 10px;
    font-size: 15px;
    color: var(--gray-text);
    line-height: 1.7;
}

.legal-section ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 9px;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background-color: var(--green);
}

.legal-section ul li strong {
    color: var(--navy);
    font-weight: 700;
}

.legal-section a {
    color: var(--green);
    font-weight: 600;
    text-decoration: underline;
    text-decoration-thickness: 1.5px;
    text-underline-offset: 3px;
}

.legal-section a:hover {
    color: var(--green-hover);
}

.legal-contact-list {
    background-color: var(--off-white);
    padding: 20px 24px;
    border-radius: 8px;
    margin-top: 12px;
}

.legal-contact-list li {
    padding-left: 0 !important;
    margin-bottom: 8px !important;
}

.legal-contact-list li::before {
    display: none !important;
}

@media (max-width: 700px) {
    .legal-hero h1 {
        font-size: 36px;
        letter-spacing: -1px;
    }
    .legal-content {
        padding: 60px 0;
    }
    .legal-section h2 {
        font-size: 19px;
    }
    .legal-intro {
        padding: 20px 22px;
    }
}