/* Base Styles */
:root {
    --primary-color: #1e1eb0;   /* Deep blue — from logo company name */
    --secondary-color: #3b5fc0; /* Medium blue — nav, buttons */
    --accent-color: #00c4cc;    /* Cyan/teal — from logo icon */
    --purple-color: #6633bb;    /* Purple — from logo icon */
    --text-color: #2d3748;
    --light-text: #ffffff;
    --light-bg: #f8fafc;
    --dark-bg: #0d0d6b;         /* Very dark navy for footer */
    --border-color: #e2e8f0;
    --shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Montserrat', sans-serif;
    color: var(--text-color);
    line-height: 1.6;
    background-color: var(--light-bg);
    letter-spacing: 0.01em;
}

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

a {
    text-decoration: none;
    color: inherit;
}

ul {
    list-style: none;
}

img {
    max-width: 100%;
    height: auto;
}

.btn {
    display: inline-block;
    padding: 14px 28px;
    border-radius: 3px;
    font-weight: 600;
    text-align: center;
    cursor: pointer;
    transition: var(--transition);
    letter-spacing: 0.5px;
    text-transform: uppercase;
    font-size: 0.95rem;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
}

.btn-primary {
    background: linear-gradient(135deg, var(--secondary-color), var(--primary-color));
    color: var(--light-text);
    border: none;
}

.btn-primary:hover {
    background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
    transform: translateY(-2px);
    box-shadow: 0 6px 12px rgba(0, 0, 0, 0.15);
}

.btn-secondary {
    background-color: transparent;
    color: var(--secondary-color);
    border: 2px solid var(--secondary-color);
    position: relative;
    z-index: 1;
    overflow: hidden;
}

.btn-secondary:hover {
    color: var(--light-text);
    transform: translateY(-2px);
    box-shadow: 0 6px 12px rgba(0, 0, 0, 0.15);
}

.btn-secondary:before {
    content: "";
    position: absolute;
    background: var(--secondary-color);
    bottom: 0;
    left: 0;
    right: 0;
    top: 100%;
    z-index: -1;
    transition: top 0.3s ease-in-out;
}

.btn-secondary:hover:before {
    top: 0;
}

.section-header {
    text-align: center;
    margin-bottom: 50px;
}

.section-header h2 {
    font-size: 2.5rem;
    color: var(--primary-color);
    margin-bottom: 15px;
    position: relative;
    display: inline-block;
    font-weight: 700;
    letter-spacing: -0.02em;
}

.section-header h2::after {
    content: '';
    position: absolute;
    bottom: -10px;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 3px;
    background: linear-gradient(90deg, var(--accent-color), var(--secondary-color));
}

.section-header p {
    font-size: 1.1rem;
    color: #666;
    max-width: 700px;
    margin: 0 auto;
}

/* Header Styles */
header {
    background-color: var(--primary-color);
    color: var(--light-text);
    padding: 15px 0;
    position: fixed;
    width: 100%;
    top: 0;
    z-index: 1000;
    box-shadow: var(--shadow);
}

header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo h1 {
    font-size: 1.5rem;
    font-weight: 700;
    letter-spacing: 1px;
}

.logo-link {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.logo-img {
    height: 52px;
    width: auto;
    display: block;
    filter: brightness(0) invert(1);
    flex-shrink: 0;
}

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}

.logo-name {
    font-size: 1.25rem;
    font-weight: 700;
    color: #ffffff;
    letter-spacing: 0.5px;
    white-space: nowrap;
}

.logo-tagline {
    font-size: 0.65rem;
    font-weight: 400;
    color: var(--accent-color);
    letter-spacing: 1.5px;
    text-transform: uppercase;
    white-space: nowrap;
}

nav ul {
    display: flex;
}

nav ul li {
    margin-left: 16px;
}

nav ul li a {
    font-weight: 500;
    font-size: 0.875rem;
    white-space: nowrap;
    transition: var(--transition);
}

nav ul li a:hover {
    color: var(--accent-color);
}

.phone-number {
    display: flex;
    align-items: center;
    background-color: var(--accent-color);
    padding: 7px 11px;
    border-radius: 4px;
    font-weight: 600;
    white-space: nowrap;
}

.phone-number i {
    margin-right: 8px;
}

.mobile-menu-toggle {
    display: none;
    font-size: 1.5rem;
    cursor: pointer;
}

/* Hero Section */
#hero {
    background: linear-gradient(rgba(12, 35, 64, 0.85), rgba(15, 23, 42, 0.9)), url('https://images.unsplash.com/photo-1582407947304-fd86f028f716?ixlib=rb-1.2.1&ixid=MnwxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8&auto=format&fit=crop&w=2000&q=80');
    background-size: cover;
    background-position: center;
    color: var(--light-text);
    padding: 200px 0 120px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

#hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 5px;
    background: linear-gradient(90deg, var(--accent-color), var(--secondary-color), var(--accent-color));
    z-index: 10;
}

.hero-content h1 {
    font-size: 3.8rem;
    font-weight: 800;
    margin-bottom: 15px;
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.4);
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.hero-content h2 {
    font-size: 1.8rem;
    font-weight: 500;
    margin-bottom: 25px;
    color: var(--accent-color);
    text-transform: uppercase;
    letter-spacing: 2px;
}

.hero-content p {
    font-size: 1.2rem;
    max-width: 700px;
    margin: 0 auto 30px;
}

.hero-buttons {
    display: flex;
    justify-content: center;
    gap: 20px;
}

/* Features Section */
#features {
    padding: 80px 0;
    background-color: #fff;
}

.feature-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
}

.feature-card {
    background-color: var(--light-bg);
    padding: 40px 30px;
    border-radius: 8px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid rgba(203, 213, 225, 0.3);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: linear-gradient(to bottom, var(--accent-color), var(--secondary-color));
    opacity: 0;
    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 20px 30px rgba(0, 0, 0, 0.15);
    border-color: rgba(203, 213, 225, 0.5);
}

.feature-card:hover::before {
    opacity: 1;
}

.feature-icon {
    font-size: 2.5rem;
    color: var(--secondary-color);
    margin-bottom: 20px;
}

.feature-card h3 {
    font-size: 1.5rem;
    margin-bottom: 15px;
    color: var(--primary-color);
}

/* Loan Programs Section */
#loan-programs {
    padding: 80px 0;
    background-color: var(--light-bg);
}

.loan-block {
    display: flex;
    gap: 30px;
    background-color: #fff;
    padding: 35px;
    border-radius: 10px;
    box-shadow: var(--shadow);
    margin-bottom: 30px;
    border-left: 5px solid var(--accent-color);
    align-items: flex-start;
    transition: var(--transition);
}

.loan-block:nth-child(even) {
    border-left-color: var(--purple-color);
}

.loan-block:hover {
    transform: translateY(-4px);
    box-shadow: 0 16px 32px rgba(0, 0, 0, 0.12);
}

.loan-icon {
    font-size: 2.5rem;
    color: var(--accent-color);
    flex-shrink: 0;
    padding-top: 5px;
    min-width: 50px;
    text-align: center;
}

.loan-block:nth-child(even) .loan-icon {
    color: var(--purple-color);
}

.loan-block .loan-details {
    flex: 1;
    display: block;
}

.loan-block .loan-details h3 {
    font-size: 1.5rem;
    color: var(--primary-color);
    margin-bottom: 12px;
}

.loan-block .loan-details p {
    color: #555;
    margin-bottom: 18px;
    line-height: 1.7;
}

.loan-highlights {
    list-style: none;
    margin: 0 0 20px 0;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 8px;
}

.loan-highlights li {
    display: flex;
    align-items: flex-start;
    font-size: 0.95rem;
    line-height: 1.5;
}

.loan-highlights li i {
    color: var(--accent-color);
    margin-right: 10px;
    font-size: 0.95rem;
    flex-shrink: 0;
    margin-top: 3px;
}

/* Why Choose Us */
#why-us {
    padding: 80px 0;
    background-color: var(--light-bg);
}

/* Apply Section Layout */
.apply-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start;
}

.apply-info {
    background-color: var(--primary-color);
    color: var(--light-text);
    padding: 35px;
    border-radius: 10px;
    box-shadow: var(--shadow);
}

.apply-info h3 {
    font-size: 1.5rem;
    margin-bottom: 15px;
    color: var(--accent-color);
}

.apply-info p {
    margin-bottom: 20px;
    opacity: 0.9;
}

.apply-info ul {
    margin-bottom: 25px;
}

.apply-info ul li {
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.apply-info ul li i {
    color: var(--accent-color);
}

.contact-direct p {
    margin-bottom: 8px;
    font-size: 0.95rem;
}

.contact-direct a {
    color: var(--accent-color);
    text-decoration: underline;
}

.apply-form {
    background-color: var(--light-bg);
    padding: 35px;
    border-radius: 10px;
    box-shadow: var(--shadow);
}

.form-group {
    margin-bottom: 18px;
}

.form-group label {
    display: block;
    margin-bottom: 6px;
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--primary-color);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px;
    border: 1px solid var(--border-color);
    border-radius: 4px;
    font-family: inherit;
    font-size: 1rem;
    transition: border-color 0.3s;
    background: #fff;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--accent-color);
    outline: none;
    box-shadow: 0 0 0 2px rgba(0, 196, 204, 0.2);
}

.btn-full {
    width: 100%;
    display: block;
    padding: 15px;
    font-size: 1rem;
}

.form-disclaimer {
    margin-top: 12px;
    font-size: 0.78rem;
    color: #888;
    line-height: 1.5;
}

/* Footer Grid */
footer {
    background-color: var(--dark-bg);
    color: var(--light-text);
    padding: 60px 0 20px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
}

.footer-col h4 {
    font-size: 1.1rem;
    margin-bottom: 18px;
    color: var(--accent-color);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.footer-col p {
    font-size: 0.9rem;
    opacity: 0.8;
    margin-bottom: 10px;
    line-height: 1.6;
}

.footer-col ul li {
    margin-bottom: 8px;
    font-size: 0.9rem;
    opacity: 0.8;
}

.footer-col ul li a:hover {
    color: var(--accent-color);
    opacity: 1;
}

.footer-col a {
    color: inherit;
    transition: color 0.2s;
}

.footer-col a:hover {
    color: var(--accent-color);
}

@media (max-width: 992px) {
    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }
    .apply-container {
        grid-template-columns: 1fr;
    }
    .loan-block {
        flex-direction: column;
    }
}

@media (max-width: 600px) {
    .footer-grid {
        grid-template-columns: 1fr;
    }
    .loan-highlights {
        grid-template-columns: 1fr;
    }
}

/* Legacy: keep old loan-program section styling */
#loan-program {
    padding: 80px 0;
    background-color: var(--light-bg);
}

.loan-details {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 40px;
}

.loan-info, .loan-requirements {
    background-color: #fff;
    padding: 30px;
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.loan-info h3, .loan-requirements h3 {
    font-size: 1.5rem;
    color: var(--primary-color);
    margin-bottom: 20px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--accent-color);
}

.loan-info ul, .loan-requirements ul {
    margin-left: 10px;
}

.loan-info ul li, .loan-requirements ul li {
    margin-bottom: 12px;
    display: flex;
    align-items: center;
}

.loan-info ul li i, .loan-requirements ul li i {
    color: var(--secondary-color);
    margin-right: 10px;
    font-size: 1.1rem;
}

/* Calculator Section */
.calculator-section {
    padding: 80px 0;
    background-color: #fff;
}

.calculator-container {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 40px;
}

.calculator-inputs {
    background-color: var(--light-bg);
    padding: 30px;
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.input-group {
    margin-bottom: 20px;
}

.input-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 500;
}

.input-group input, .input-group select {
    width: 100%;
    padding: 12px;
    border: 1px solid var(--border-color);
    border-radius: 4px;
    font-family: inherit;
    font-size: 1rem;
}

.calculator-results {
    background-color: var(--primary-color);
    color: var(--light-text);
    padding: 30px;
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.calculator-results h3 {
    font-size: 1.5rem;
    margin-bottom: 20px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--accent-color);
}

.result-item {
    display: flex;
    justify-content: space-between;
    margin-bottom: 15px;
    padding-bottom: 10px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.2);
}

.result-item.total {
    font-weight: 700;
    font-size: 1.2rem;
    margin-top: 20px;
    border-bottom: none;
}

.calculator-cta {
    margin-top: 30px;
    text-align: center;
}

.arv-note {
    font-size: 0.82rem;
    color: var(--accent-color);
    margin-top: 6px;
    font-style: italic;
}

.loan-notes {
    background: rgba(255,255,255,0.1);
    border-left: 3px solid var(--accent-color);
    padding: 12px 15px;
    margin: 15px 0;
    font-size: 0.88rem;
    border-radius: 4px;
}

.loan-notes p { margin-bottom: 6px; }

.calculator-quote-form {
    margin-top: 25px;
    padding-top: 20px;
    border-top: 1px solid rgba(255,255,255,0.2);
}

.calculator-quote-form h4 {
    font-size: 1rem;
    margin-bottom: 12px;
    color: var(--accent-color);
}

.calculator-quote-form .input-group {
    margin-bottom: 10px;
}

.calculator-quote-form input {
    width: 100%;
    padding: 10px 12px;
    border: 1px solid rgba(255,255,255,0.3);
    border-radius: 4px;
    background: rgba(255,255,255,0.1);
    color: #fff;
    font-family: inherit;
    font-size: 0.95rem;
}

.calculator-quote-form input::placeholder { color: rgba(255,255,255,0.6); }

.calculator-quote-form input:focus {
    outline: none;
    border-color: var(--accent-color);
}

.calc-status {
    padding: 8px 12px;
    border-radius: 4px;
    font-size: 0.88rem;
    margin-bottom: 10px;
}

.calc-status.success { background: rgba(0,196,204,0.2); color: #00f0fa; }
.calc-status.error   { background: rgba(255,80,80,0.2);  color: #ff9090; }

.hidden { display: none !important; }

/* Markets Section */
#markets {
    padding: 80px 0;
    background-color: var(--light-bg);
}

.markets-container {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 30px;
}

.market-state {
    background-color: #fff;
    padding: 25px;
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.market-state h3 {
    font-size: 1.3rem;
    color: var(--primary-color);
    margin-bottom: 15px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--accent-color);
}

.market-cities {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.market-city {
    background-color: var(--light-bg);
    padding: 8px 15px;
    border-radius: 20px;
    font-size: 0.9rem;
    transition: var(--transition);
}

.market-city:hover {
    background-color: var(--secondary-color);
    color: var(--light-text);
}

.markets-note {
    text-align: center;
    margin-top: 30px;
    font-style: italic;
}

/* Process Section */
#process {
    padding: 80px 0;
    background-color: #fff;
}

.process-steps {
    max-width: 800px;
    margin: 0 auto;
}

.process-step {
    display: flex;
    margin-bottom: 40px;
    position: relative;
}

.process-step:last-child {
    margin-bottom: 0;
}

.process-step:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 50px;
    left: 25px;
    height: calc(100% - 10px);
    width: 2px;
    background-color: var(--secondary-color);
}

.step-number {
    background-color: var(--secondary-color);
    color: var(--light-text);
    width: 50px;
    height: 50px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    margin-right: 20px;
    flex-shrink: 0;
    z-index: 1;
}

.step-content h3 {
    font-size: 1.3rem;
    color: var(--primary-color);
    margin-bottom: 10px;
}

/* Testimonials Section */
#testimonials {
    padding: 80px 0;
    background-color: var(--light-bg);
}

.testimonial-slider {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.testimonial {
    background-color: #fff;
    padding: 30px;
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.testimonial-content {
    font-style: italic;
    margin-bottom: 20px;
    position: relative;
}

.testimonial-content::before {
    content: '"';
    font-size: 4rem;
    color: rgba(0, 0, 0, 0.1);
    position: absolute;
    top: -20px;
    left: -15px;
}

.author-name {
    font-weight: 600;
    color: var(--primary-color);
}

.author-title {
    font-size: 0.9rem;
    color: #666;
}

/* Apply Section */
.apply-section {
    padding: 80px 0;
    background-color: #fff;
}

.apply-container {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 40px;
}

.apply-form {
    background-color: var(--light-bg);
    padding: 30px;
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 20px;
}

.form-group {
    margin-bottom: 0;
}

.form-group.full-width {
    grid-column: span 2;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 500;
}

.form-group input, .form-group select, .form-group textarea {
    width: 100%;
    padding: 12px;
    border: 1px solid var(--border-color);
    border-radius: 4px;
    font-family: inherit;
    font-size: 1rem;
    transition: border-color 0.3s;
}

.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
    border-color: var(--secondary-color);
    outline: none;
    box-shadow: 0 0 0 2px rgba(26, 86, 219, 0.2);
}

.form-submit {
    margin-top: 20px;
}

.captcha-container {
    margin-top: 20px;
    margin-bottom: 20px;
    background-color: #f0f2f5;
    border-radius: 4px;
    padding: 15px;
    border: 1px solid var(--border-color);
}

.captcha-container p {
    font-size: 0.9rem;
    color: #64748b;
    margin-bottom: 10px;
}

.captcha-box {
    display: flex;
    align-items: center;
    gap: 10px;
}

.captcha-checkbox {
    width: 20px;
    height: 20px;
    cursor: pointer;
}

.disclaimer {
    margin-top: 20px;
    padding: 15px;
    background-color: rgba(10, 35, 81, 0.05);
    border-left: 3px solid var(--primary-color);
    font-size: 0.9rem;
    color: #64748b;
    border-radius: 0 4px 4px 0;
}

.apply-contact {
    background-color: var(--primary-color);
    color: var(--light-text);
    padding: 30px;
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.apply-contact h3 {
    font-size: 1.5rem;
    margin-bottom: 15px;
}

.contact-methods {
    margin: 25px 0;
}

.contact-method {
    display: flex;
    align-items: center;
    margin-bottom: 15px;
}

.contact-method i {
    margin-right: 10px;
    color: var(--accent-color);
}

.business-hours h4 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    color: var(--accent-color);
}

/* FAQ Section */
#faq {
    padding: 80px 0;
    background-color: var(--light-bg);
}

.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background-color: #fff;
    border-radius: 8px;
    margin-bottom: 15px;
    box-shadow: var(--shadow);
    overflow: hidden;
}

.faq-question {
    padding: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
}

.faq-question h3 {
    font-size: 1.1rem;
    color: var(--primary-color);
}

.faq-toggle {
    color: var(--secondary-color);
    transition: var(--transition);
}

.faq-answer {
    padding: 0 20px 20px;
    display: none;
}

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

.faq-item.active .faq-answer {
    display: block;
}

/* Footer */
footer {
    background-color: var(--dark-bg);
    color: var(--light-text);
    padding: 60px 0 20px;
}

.footer-content {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 40px;
    margin-bottom: 40px;
}

.footer-logo h2 {
    font-size: 1.8rem;
    margin-bottom: 15px;
}

.footer-links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.footer-column h3 {
    font-size: 1.2rem;
    margin-bottom: 20px;
    color: var(--accent-color);
}

.footer-column ul li {
    margin-bottom: 10px;
}

.footer-column ul li a {
    transition: var(--transition);
}

.footer-column ul li a:hover {
    color: var(--accent-color);
}

.social-icons {
    display: flex;
    gap: 15px;
}

.social-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    background-color: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    transition: var(--transition);
}

.social-icon:hover {
    background-color: var(--accent-color);
    transform: translateY(-3px);
}

.footer-bottom {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.7);
}

.footer-bottom p {
    margin-bottom: 10px;
}

/* Responsive Styles */
@media (max-width: 992px) {
    .section-header h2 {
        font-size: 2rem;
    }
    
    .hero-content h1 {
        font-size: 2.8rem;
    }
    
    .hero-content h2 {
        font-size: 1.5rem;
    }
    
    .apply-container {
        grid-template-columns: 1fr;
    }
    
    .footer-content {
        grid-template-columns: 1fr;
    }
}

/* ── Chat Widget ──────────────────────────────────────────────────────────── */
.chat-widget-wrapper {
    position: fixed;
    bottom: 20px;
    right: 20px;
    z-index: 9998;
    font-family: 'Montserrat', sans-serif;
    display: flex;
    flex-direction: column;
    align-items: flex-end;
}
.chat-bubble {
    width: 58px;
    height: 58px;
    background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    color: #fff;
    font-size: 1.4rem;
    box-shadow: 0 4px 15px rgba(0,0,0,0.3);
    border: none;
    transition: transform 0.2s;
    position: relative;
    flex-shrink: 0;
}
.chat-bubble:hover { transform: scale(1.1); }
.chat-notification {
    position: absolute;
    top: -4px;
    right: -4px;
    background: var(--accent-color);
    color: #fff;
    border-radius: 50%;
    width: 18px;
    height: 18px;
    font-size: 0.7rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
}
.chat-window {
    width: 300px;
    background: #fff;
    border-radius: 12px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.2);
    margin-bottom: 12px;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    max-height: 420px;
}
.chat-header {
    background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
    color: #fff;
    padding: 13px 15px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.chat-header-info { display: flex; align-items: center; gap: 10px; }
.chat-logo { height: 26px; filter: brightness(0) invert(1); }
.chat-header-info strong { font-size: 0.85rem; display: block; }
.chat-status { font-size: 0.72rem; color: var(--accent-color); }
.chat-close {
    background: none;
    border: none;
    color: #fff;
    cursor: pointer;
    font-size: 1rem;
    opacity: 0.8;
    padding: 4px 6px;
    line-height: 1;
}
.chat-close:hover { opacity: 1; }
.chat-messages {
    flex: 1;
    overflow-y: auto;
    padding: 14px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    min-height: 160px;
}
.message { max-width: 82%; }
.message p {
    padding: 9px 13px;
    border-radius: 16px;
    font-size: 0.85rem;
    line-height: 1.5;
    margin: 0;
}
.message.advisor p { background: var(--light-bg); color: var(--text-color); border-bottom-left-radius: 4px; }
.message.user { align-self: flex-end; }
.message.user p { background: var(--primary-color); color: #fff; border-bottom-right-radius: 4px; }
.schedule-prompt { text-align: center; padding: 8px; }
.schedule-prompt p { font-size: 0.82rem; color: #555; margin-bottom: 8px; }
.chat-input-area {
    display: flex;
    border-top: 1px solid var(--border-color);
    padding: 10px;
    gap: 8px;
}
.chat-input {
    flex: 1;
    border: 1px solid var(--border-color);
    border-radius: 20px;
    padding: 8px 13px;
    font-family: inherit;
    font-size: 0.85rem;
    outline: none;
}
.chat-input:focus { border-color: var(--accent-color); }
.chat-send-btn {
    background: var(--primary-color);
    color: #fff;
    border: none;
    border-radius: 50%;
    width: 34px;
    height: 34px;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: background 0.2s;
}
.chat-send-btn:hover { background: var(--secondary-color); }
.fade-enter-active, .fade-leave-active { transition: opacity 0.25s, transform 0.25s; }
.fade-enter, .fade-leave-to { opacity: 0; transform: translateY(10px); }

/* ── Mobile Responsive ────────────────────────────────────────────────────── */
@media (max-width: 768px) {
    .logo-name { font-size: 1.05rem; }
    .logo-tagline { display: none; }
    .logo-img { height: 44px; }
    nav ul {
        display: none;
        flex-direction: column;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background-color: var(--primary-color);
        padding: 15px 20px 20px;
        z-index: 999;
        box-shadow: 0 8px 20px rgba(0,0,0,0.2);
    }
    nav ul.active {
        display: flex;
    }
    nav ul li {
        margin: 8px 0;
        margin-left: 0;
    }
    nav ul li a {
        display: block;
        padding: 6px 0;
        font-size: 1rem;
    }


(Content truncated due to size limit. Use line ranges to read in chunks)    .mobile-menu-toggle {
        display: block;
        color: var(--light-text);
    }
    header .container {
        position: relative;
    }
    .hero-content h1 { font-size: 2.2rem; }
    .hero-content h2 { font-size: 1.2rem; letter-spacing: 1px; }
    .hero-buttons { flex-direction: column; align-items: center; }
    .chat-window { width: 270px; }
}

@media (max-width: 480px) {
    .section-header h2 { font-size: 1.6rem; }
    .loan-block { padding: 22px; }
    .apply-container { grid-template-columns: 1fr; }
    .chat-widget-wrapper { bottom: 12px; right: 12px; }
    .chat-window { width: 240px; }
}

/* =====================
   COMPARISON TABLE
   ===================== */
#comparison {
    padding: 5rem 0;
    background: #f4f6f9;
}

.comparison-table-wrap {
    overflow-x: auto;
    border-radius: 12px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    background: white;
    border-radius: 12px;
    overflow: hidden;
}

.comparison-table thead tr {
    background: var(--primary-color, #1a3a5c);
    color: white;
}

.comparison-table th {
    padding: 1.2rem 1.5rem;
    text-align: center;
    font-weight: 600;
    font-size: 0.95rem;
}

.comparison-table th:first-child {
    text-align: left;
}

.comparison-table .ags-col {
    background: #e07b25;
    color: white;
}

.comparison-table tbody tr {
    border-bottom: 1px solid #f0f0f0;
    transition: background 0.2s;
}

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

.comparison-table tbody tr:hover {
    background: #f8f9fc;
}

.comparison-table td {
    padding: 1rem 1.5rem;
    text-align: center;
    color: #555;
    font-size: 0.92rem;
}

.comparison-table td:first-child {
    text-align: left;
    font-weight: 600;
    color: #333;
}

.comparison-table tbody .ags-col {
    background: rgba(224,123,37,0.08);
    color: #b85e0a;
    font-weight: 700;
}

.comparison-table .fa-check-circle {
    color: #27ae60;
    margin-right: 5px;
}

@media (max-width: 768px) {
    .comparison-table th,
    .comparison-table td {
        padding: 0.75rem 0.8rem;
        font-size: 0.82rem;
    }
}

/* =====================
   FAQ SECTION
   ===================== */
#faq {
    padding: 5rem 0;
    background: white;
}

.faq-list {
    max-width: 820px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.faq-item {
    border: 1px solid #dde4ee;
    border-radius: 10px;
    overflow: hidden;
}

.faq-question {
    width: 100%;
    background: white;
    border: none;
    padding: 1.2rem 1.5rem;
    text-align: left;
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary-color, #1a3a5c);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    transition: background 0.2s;
    font-family: inherit;
}

.faq-question:hover {
    background: #f4f6f9;
}

.faq-question i {
    transition: transform 0.3s ease;
    flex-shrink: 0;
    color: #e07b25;
}

.faq-question.open i {
    transform: rotate(180deg);
}

.faq-answer {
    display: none;
    padding: 0 1.5rem 1.2rem;
    color: #555;
    line-height: 1.7;
    border-top: 1px solid #f0f0f0;
}

.faq-answer.open {
    display: block;
}

.faq-answer a {
    color: #e07b25;
    font-weight: 600;
}

/* =====================
   STATS BAR — Premium credibility strip
   ===================== */
#stats-bar {
    background: linear-gradient(135deg, #0d1f35 0%, #1a3a5c 100%);
    padding: 2.5rem 0;
    border-top: 3px solid #e07b25;
    border-bottom: 3px solid #e07b25;
}

.stats-bar-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 1rem;
    text-align: center;
}

.stat-bar-item {
    padding: 0.5rem;
    border-right: 1px solid rgba(255,255,255,0.1);
}

.stat-bar-item:last-child {
    border-right: none;
}

.stat-bar-number {
    font-size: 2.2rem;
    font-weight: 700;
    color: #e07b25;
    letter-spacing: -0.5px;
    line-height: 1;
    margin-bottom: 0.4rem;
}

.stat-bar-label {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.7);
    text-transform: uppercase;
    letter-spacing: 1px;
    font-weight: 500;
}

@media (max-width: 768px) {
    .stats-bar-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 1.5rem;
    }
    .stat-bar-item {
        border-right: none;
    }
    .stat-bar-number {
        font-size: 1.8rem;
    }
}

@media (max-width: 480px) {
    .stats-bar-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

/* =====================
   PREMIUM TESTIMONIALS
   ===================== */
.testimonial-deal-tag {
    display: inline-block;
    background: #e07b25;
    color: white;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 12px;
    border-radius: 20px;
    margin-bottom: 1rem;
}

.testimonial-metrics {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    margin-bottom: 1.2rem;
}

.testimonial-metrics span {
    background: #f0f4f8;
    color: #1a3a5c;
    font-size: 0.8rem;
    font-weight: 600;
    padding: 5px 12px;
    border-radius: 6px;
    display: flex;
    align-items: center;
    gap: 5px;
}

.testimonial-metrics i {
    color: #e07b25;
    font-size: 0.75rem;
}

/* =====================
   100% FIX & FLIP CALLOUT
   ===================== */
.hero-highlight-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(224, 123, 37, 0.15);
    border: 1px solid #e07b25;
    color: #f5a55a;
    font-size: 0.9rem;
    font-weight: 600;
    padding: 10px 18px;
    border-radius: 8px;
    margin-top: 1rem;
    line-height: 1.4;
}

.hero-highlight-badge i {
    color: #e07b25;
    flex-shrink: 0;
}

.program-callout {
    background: linear-gradient(135deg, #0d1f35 0%, #1a3a5c 100%);
    border: 2px solid #e07b25;
    border-radius: 12px;
    padding: 1.75rem;
    margin: 1.5rem 0;
    position: relative;
}

.program-callout-badge {
    position: absolute;
    top: -13px;
    left: 20px;
    background: #e07b25;
    color: white;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 4px 14px;
    border-radius: 20px;
}

.program-callout h4 {
    color: white;
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 0.75rem;
}

.program-callout p {
    color: rgba(255,255,255,0.85);
    margin-bottom: 1rem;
    font-size: 0.95rem;
    line-height: 1.6;
}

.program-callout .loan-highlights li {
    color: rgba(255,255,255,0.9);
}

.program-callout .loan-highlights li i {
    color: #e07b25;
}

.callout-example {
    background: rgba(224,123,37,0.15);
    border-left: 3px solid #e07b25;
    padding: 10px 14px;
    border-radius: 0 8px 8px 0;
    font-size: 0.88rem !important;
    color: rgba(255,255,255,0.85) !important;
    margin-top: 1rem !important;
}

.callout-example i {
    color: #e07b25;
    margin-right: 5px;
}

.program-standard {
    border: 1px solid #dde4ee;
    border-radius: 10px;
    padding: 1.25rem 1.5rem;
    margin-top: 0;
    background: #f9fbfd;
}

.program-standard h4 {
    color: var(--primary-color, #1a3a5c);
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 0.75rem;
}

/* =====================
   HERO BADGES
   ===================== */
.hero-badges {
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
    margin: 1.25rem 0;
}

/* =====================
   PREMIUM LOAN BLOCK
   ===================== */
.loan-block-premium {
    border: 2px solid #e07b25;
    position: relative;
}

.loan-block-premium::before {
    content: "NEW PROGRAM";
    position: absolute;
    top: -13px;
    right: 24px;
    background: #e07b25;
    color: white;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    padding: 3px 12px;
    border-radius: 20px;
}

/* =====================
   LIVE DEAL EXAMPLE
   ===================== */
.live-deal-example {
    background: rgba(224,123,37,0.08);
    border: 1px solid rgba(224,123,37,0.3);
    border-radius: 10px;
    padding: 1.25rem;
    margin-top: 1.25rem;
}

.live-deal-label {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: #e07b25;
    margin-bottom: 1rem;
}

.live-deal-label i {
    margin-right: 6px;
}

.live-deal-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0.75rem;
    margin-bottom: 1rem;
}

.live-deal-item {
    background: rgba(255,255,255,0.08);
    border-radius: 8px;
    padding: 0.6rem 0.75rem;
    display: flex;
    flex-direction: column;
    gap: 3px;
}

.highlight-item {
    background: rgba(224,123,37,0.2);
    border: 1px solid rgba(224,123,37,0.4);
}

.deal-item-label {
    font-size: 0.72rem;
    color: rgba(255,255,255,0.6);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.deal-item-value {
    font-size: 1rem;
    font-weight: 700;
    color: white;
}

.highlight-item .deal-item-value {
    color: #f5a55a;
}

.live-deal-note {
    font-size: 0.85rem !important;
    color: rgba(255,255,255,0.8) !important;
    line-height: 1.5;
    margin: 0 !important;
    font-style: italic;
}

@media (max-width: 600px) {
    .live-deal-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .hero-badges {
        gap: 0.5rem;
    }
    .hero-highlight-badge {
        font-size: 0.8rem;
    }
}

/* Custom quote note */
.custom-quote-note {
    background: rgba(255,255,255,0.06);
    border-left: 3px solid #e07b25;
    padding: 10px 14px;
    border-radius: 0 8px 8px 0;
    font-size: 0.88rem;
    color: rgba(255,255,255,0.8);
    margin-top: 1.25rem;
    line-height: 1.5;
}

.custom-quote-note i {
    color: #e07b25;
    margin-right: 6px;
}

/* =====================
   PREMIUM REDESIGN OVERRIDES
   ===================== */

/* Hero badges — horizontal pills */
.hero-badges {
    display: flex !important;
    flex-direction: row !important;
    flex-wrap: wrap;
    justify-content: center;
    gap: 0.6rem;
    margin: 1.25rem 0;
}

.hero-highlight-badge {
    display: inline-flex !important;
    padding: 8px 16px !important;
    font-size: 0.82rem !important;
    margin-top: 0 !important;
}

/* Loan block inline tag */
.loan-block-tag {
    display: inline-block;
    background: #e07b25;
    color: white;
    font-size: 0.62rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    padding: 3px 10px;
    border-radius: 20px;
    margin-bottom: 0.6rem;
}

/* Loan subtitle */
.loan-subtitle {
    font-size: 0.92rem !important;
    color: #e07b25 !important;
    font-weight: 600 !important;
    margin-bottom: 0.75rem !important;
    margin-top: -4px !important;
}

/* Loan note */
.loan-note {
    background: #f8f9fb;
    border-left: 3px solid #e07b25;
    padding: 0.75rem 1rem;
    border-radius: 0 8px 8px 0;
    font-size: 0.88rem;
    color: #555;
    margin-top: 1.25rem;
    line-height: 1.5;
}

.loan-note i {
    color: #e07b25;
    margin-right: 6px;
}

/* Compact deal strip */
.deal-strip {
    background: linear-gradient(135deg, #0d1f35 0%, #1a3a5c 100%);
    border-radius: 10px;
    padding: 1rem 1.25rem;
    margin-top: 1.25rem;
}

.deal-strip-label {
    display: block;
    font-size: 0.68rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: #e07b25;
    margin-bottom: 0.85rem;
}

.deal-strip-items {
    display: flex;
    flex-wrap: wrap;
    gap: 1.5rem;
    align-items: flex-start;
}

.deal-strip-items > div {
    display: flex;
    flex-direction: column;
    gap: 3px;
}

.deal-strip-items span {
    font-size: 0.66rem;
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.deal-strip-items strong {
    font-size: 0.95rem;
    color: white;
    font-weight: 700;
}

.deal-strip-items .deal-highlight strong {
    color: #f5a55a;
}

/* Remove premium loan block border override */
.loan-block-premium {
    border-left: 5px solid var(--accent-color) !important;
    border-top: 1px solid rgba(203,213,225,0.3) !important;
    border-right: 1px solid rgba(203,213,225,0.3) !important;
    border-bottom: 1px solid rgba(203,213,225,0.3) !important;
}

.loan-block-premium::before {
    content: none !important;
}

/* Loan highlights — single column, clean spacing */
.loan-highlights {
    display: flex !important;
    flex-direction: column !important;
    grid-template-columns: unset !important;
    gap: 16px !important;
    margin-bottom: 1.5rem !important;
    padding: 0 !important;
}

.loan-highlights li {
    font-size: 0.93rem !important;
    line-height: 1.5 !important;
    white-space: normal !important;
    letter-spacing: 0.01em !important;
    word-spacing: 0.06em !important;
    padding: 0 !important;
}

@media (max-width: 768px) {
    .loan-highlights {
        gap: 14px !important;
    }
    .loan-highlights li {
        font-size: 0.88rem !important;
    }
    .deal-strip-items {
        gap: 1rem !important;
    }
    .loan-block-tag {
        font-size: 0.6rem !important;
    }
}

/* FAQ — smooth open/close animation */
.faq-answer {
    max-height: 0 !important;
    overflow: hidden !important;
    display: block !important;
    padding-top: 0 !important;
    padding-bottom: 0 !important;
    padding-left: 1.5rem !important;
    padding-right: 1.5rem !important;
    transition: max-height 0.35s ease, padding 0.3s ease !important;
    border-top: none !important;
    color: #555;
    line-height: 1.7;
}

.faq-answer.open {
    max-height: 900px !important;
    padding-top: 1.2rem !important;
    padding-bottom: 1.2rem !important;
    border-top: 1px solid #f0f0f0 !important;
}