/* ========================================================================
   Global Reset & Base Styles
   ======================================================================== */

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

html {
    font-size: 95%; /* 1rem = 16px by default */
}

body {
    font-family: "Montserrat", sans-serif;
    line-height: 1.6;
    color: #333333;
    background-color: #ffffff;

}

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

a {
    color: #F97316;
    text-decoration: none;
}

ul {
    list-style: none;
}

button {
    cursor: pointer;
    border: none;
    background: none;
    font: inherit;
}

input,
select,
textarea {
    font-family: inherit;
    font-size: inherit;
    color: inherit;
}

input::placeholder {
    color: #BFBFBF;
}

/* Utility Classes */

.container {
    width: 90%;
    max-width: 1360px;
    margin-left: auto;
    margin-right: auto;
}

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

/* Visually Hidden (for screen readers) */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* Button Base */
.btn {
    display: inline-block;
    padding: 0.75rem 1.5rem;
    border-radius: 60px;
    background-color: #F97316;
    color: #ffffff;
    font-size: 1rem;
    text-align: center;
    transition: background-color 0.3s ease;
    font-weight: 500;
}

.btn:hover,
.btn:focus {
    background-color: #000;
    outline: none;
}

/* Section Base */
.section {
    padding-top: 4rem;
    padding-bottom: 4rem;
}

/* ======================================
   5. Navigation Bar / Header
   ====================================== */

header {
    background-color: #FFF;
    box-shadow: 0px 4px 4px 0px rgba(0, 0, 0, 0.11);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1rem 0;
}

.navbar .container {
    height: 42px;
}

.navbar__links {
    display: inline-flex;
    float: right;
    align-items: center;
}

.navbar__logo img {
    height: 40px;
    width: auto;
}

a.navbar__logo {
    display: inline-block;
    position: relative;
    left: 0;
    width: 150px;
}

.navbar__menu {
    list-style: none;
    display: inline-flex;
    gap: 2rem;
    margin-right: 2rem;
    padding: 9px 0px;
}

.navbar__menu li a {
    font-size: 1rem;
    color: #000;
    transition: color 0.3s ease;
}

.navbar__menu li a:hover,
.navbar__menu li a:focus {
    color: #F97316;
}

.navbar__cta {
    display: inline-block;
    position: relative;
    float: right;
    background-color: #F97316;
    color: #FFF;
    font-weight: 500;
    padding: 0.5rem 1.25rem;
    border-radius: 60px;
    font-size: 1rem;
    transition: background-color 0.3s ease, box-shadow 0.3s ease;
}

.navbar__cta:hover,
.navbar__cta:focus {
    background-color: #000;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);

}

/* Responsive nav collapse */
@media (max-width: 768px) {
    .navbar {
        padding: 0.5rem 0;
        height: auto;
        overflow: visible;
    }
    .navbar .container {
        display: flex !important;
        flex-direction: row !important;
        flex-wrap: nowrap !important;
        align-items: center !important;
        justify-content: space-between !important;
        height: auto !important;
        overflow: visible !important;
    }
    .navbar__links {
        display: flex !important;
        flex-direction: row !important;
        align-items: center !important;
        flex-shrink: 0 !important;
        width: auto !important;
    }
    .navbar__menu {
        display: none !important;
    }
    .navbar__menu.active {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 60px;
        left: 0;
        right: 0;
        background: #fff;
        padding: 1rem;
        box-shadow: 0 4px 12px rgba(0,0,0,.1);
        z-index: 999;
    }
    .navbar__logo img { width: 120px; }
    a.navbar__logo { height: auto; width: auto; }
}


/* ------------------------------------------------------------
   2.2 Hamburger Button
   ------------------------------------------------------------ */

.hamburger {
    display: none; /* hidden on desktop */
    flex-direction: column;
    justify-content: space-between;
    width: 28px;
    height: 21px;
    background: none;
    border: none;
    cursor: pointer;
    z-index: 1100;
    margin-left: 1rem; /* above .mobile-menu */
}

.hamburger__bar {
    display: block;
    width: 100%;
    height: 3px;
    background-color: #000;
    border-radius: 2px;
    transition: transform 0.3s ease,
    opacity 0.3s ease;
}

/* Show hamburger on mobile */
@media (max-width: 768px) {
    .hamburger {
        display: flex;
    }
}

/* ------------------------------------------------------------
   2.3 Hamburger → X Animation
   ------------------------------------------------------------ */

/* State when menu is open: add class .hamburger--active to the button */
.hamburger--active .hamburger__bar:nth-child(1) {
    transform: translateY(9px) rotate(45deg);
}

.hamburger--active .hamburger__bar:nth-child(2) {
    opacity: 0;
}

.hamburger--active .hamburger__bar:nth-child(3) {
    transform: translateY(-9px) rotate(-45deg);
}

/* ------------------------------------------------------------
   2.4 Mobile Menu Panel
   ------------------------------------------------------------ */

.mobile-menu {
    position: fixed;
    top: 0;
    right: 0;
    width: 75%; /* adjust percentage if needed */
    max-width: 300px;
    height: 100vh;
    background-color: #FFF;
    box-shadow: -2px 0 8px rgba(0, 0, 0, 0.1);
    transform: translateX(100%); /* hidden off-screen to the right */
    transition: transform 0.3s ease;
    z-index: 1050;
    padding-top: 4rem; /* space for the header */
}

/* When menu is active, slide it into view */
.mobile-menu--active {
    transform: translateX(0);
}

/* Mobile menu UL + links */
.mobile-menu ul {
    list-style: none;
    padding-left: 1rem;
}

.mobile-menu li {
    margin-bottom: 1.5rem;
}

.mobile-menu a {
    font-size: 1.125rem;
    color: #000;
    text-decoration: none;
    transition: color 0.3s ease;
}

.mobile-menu a:hover,
.mobile-menu a:focus {
    color: #F97316;
}

/* ------------------------------------------------------------
   2.5 Optional Overlay (darken rest of screen)
   ------------------------------------------------------------ */

.menu-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    background-color: rgba(0, 0, 0, 0.6);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
    z-index: 10; /* sits below .mobile-menu but above content */
}

/* When overlay is active, show it */
.menu-overlay--active {
    opacity: 1;
    pointer-events: auto;
}

/* ------------------------------------------------------------
   2.6 Make sure body cannot scroll when menu is open
   ------------------------------------------------------------ */

body.menu-open {
    overflow: hidden;
}


/* ========================================================================
   Hero Section (#home)
   ======================================================================== */

#home {
    position: relative;
    color: #ffffff;
    text-shadow: 0 1px 3px rgba(0, 0, 0, 0.6);
    min-height: 400px;
    display: flex;
    align-items: center;
    justify-content: flex-start;
}

.hero-video {
    position: absolute;
    top: 50%;
    left: 50%;
    width: 100%;
    height: 100%;
    min-width: 100%;
    min-height: 100%;
    transform: translate(-50%, -50%);
    object-fit: cover; /* ensure it fills without distortion */
    z-index: -1; /* place it behind other content */
    pointer-events: none; /* ensures clicks “pass through” to underlying elements */
}

@media screen and (max-width: 767px) {
    .hero-video {
        display: none;
    }
}

.hero-content {
    position: relative;
    display: inline-block;
    float: left;
    padding: 2rem 0rem 1.5rem;
    text-align: left;
    color: #ffffff;
}

img.hero-stars-image {
    position: relative;
    width: 118px;
    height: 42px;
}

/* Hero Background Image */
#home::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: url("../img/hero.jpg");
    background-size: cover;
    background-position: center;
    z-index: -1;
    opacity: 1;
}

/* Hero Content Container */
#home .container {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

/* Hero Title */
#home h1 {
    font-size: 68px;
    line-height: 1.2;
    max-width: 670px;
}

/* Hero Paragraph */
#home p {
    font-size: 15px;
    max-width: 600px;
}

/* Hero Form (Loan Amount + Button) */
.hero-form {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1.5rem;
    background-color: rgba(255, 255, 255, 0.8);
    max-width: 455px;
    border-radius: 100px;
    box-shadow: 0px 4px 4px 0px rgba(0, 0, 0, 0.11);
}

.hero-form select {
    padding: 0.75rem 1rem;
    font-size: 1rem;
    border: none;
    border-radius: 4px;
    min-width: 120px;
    background-color: #ffffff;
    color: #333333;
}

.hero-form select:focus {
    outline: 2px solid #F97316;
}

/* 1. Define the keyframes for the pulsing shadow */
@keyframes pulse-shadow {
    0%, 100% {
        /* No glow at the start and end */
        box-shadow: 0 0 0px 0px rgba(91, 156, 255, 0);
    }
    50% {
        /* Full glow in the middle of the animation */
        box-shadow: 0 0 36px 0px rgb(51, 132, 255, 1);
    }
}

/* 2. Apply the animation to the .hero-form .btn selector */
.hero-form .btn {
    padding: 1.6rem 2.6rem;
    font-size: 18px;
    font-weight: 600;
    background-color: #F97316;
    color: #FFFFFF;
    border: none;
    border-radius: 60px;
    position: relative;
    z-index: 1; /* Ensure button text stays on top of the glow */

    /* Trigger the infinite pulsing animation */
    animation: pulse-shadow 2s ease-in-out infinite;
}

.hero-form .btn:hover {
    background-color: #000;
    color: #FFFFFF;
}

/* 3. Optional: If you want the glow to appear “behind” the button’s background (a separated pseudo-element) */
.hero-form .btn::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    border-radius: inherit;
    background: inherit; /* match the button’s background */
    z-index: -1; /* put the glow behind the button surface */
    /* Inherit the same pulse animation for a smoother layered effect */
    animation: pulse-shadow 2s ease-in-out infinite;
}


/* ========================================================================
   8. Animated Loan Amount Dropdown
   ======================================================================== */

/* 8.1. Base Variables for Dropdown */
:root {
    --dropdown-width: 200px; /* width of the dropdown */
    --header-height: 48px; /* height of closed header */
    --border-radius: 60px; /* pill-shape */
    --box-shadow: rgba(0, 0, 0, 0.11) /* subtle shadow */;
    --transition-speed: 0.3s; /* animation speed */
    --max-list-height: 260px; /* max height of expanded list */
}

/* 8.2. Container Setup */
.loan-dropdown {
    position: relative;
    width: var(--dropdown-width);
    font-family: "Montserrat", sans-serif;
    font-size: 1rem;
    user-select: none;
}

/* 8.3. Hide the native checkbox */
.loan-dropdown__toggle {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

/* 8.4. Dropdown Header (closed state) */
.loan-dropdown__header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: var(--header-height);
    padding: 2.6rem 1.6rem;
    background-color: #FFFFFF;
    border-radius: var(--border-radius);
    box-shadow: 0px 4px 4px 0px var(--box-shadow);
    cursor: pointer;
    transition: box-shadow var(--transition-speed);
    position: relative;
    z-index: 2;
}

.loan-dropdown__header:hover {
    box-shadow: 0px 6px 6px 0px #5B9CFF;
}


/* Selected amount text */
.loan-dropdown__selected {
    color: #000;
    text-shadow: none;
    font-size: 24px;
}

/* 8.5. Arrow icon (simple CSS triangle pointing down) */
.loan-dropdown__arrow {
    width: 0;
    height: 0;
    border-radius: 2px;
    border-left: 6px solid transparent;
    border-right: 6px solid transparent;
    border-top: 8px solid #212121;
    transition: transform var(--transition-speed);
    margin-left: 0.5rem;
}

/* Rotate arrow when open */
.loan-dropdown__toggle:checked + .loan-dropdown__header .loan-dropdown__arrow {
    transform: rotate(180deg);
}

/* 8.6. Dropdown List (collapsed by default) */
.loan-dropdown__list {
    position: absolute;
    top: calc(var(--header-height) + 4px);
    left: 0;
    width: 100%;
    max-height: 0; /* collapsed */
    overflow: hidden; /* hide overflow */
    background-color: #FFFFFF;
    border-radius: var(--border-radius);
    box-shadow: 0px 4px 4px 0px var(--box-shadow);
    transition: max-height var(--transition-speed), opacity var(--transition-speed);
    opacity: 0;
    z-index: 10;
}

/* Expand list when checkbox is checked */
.loan-dropdown__toggle:checked ~ .loan-dropdown__list {
    max-height: var(--max-list-height);
    opacity: 1;
    border-radius: 0px 0px 36px 36px;
    padding: 3rem 1rem 0rem 0rem;
    top: 42px;
    z-index: 1;
    position: absolute;
}

/* 8.7. Each List Item */
.loan-dropdown__item {
    list-style: none;
    padding: 0.16rem 1rem;
    font-size: 24px;
    text-shadow: none;
    color: #212121;
    cursor: pointer;
    transition: background-color var(--transition-speed), color var(--transition-speed);
    position: relative;
    border-top-right-radius: var(--border-radius);
    border-bottom-right-radius: var(--border-radius);
}

/* Hover or focus on each item */
.loan-dropdown__item:hover {
    background-color: #F97316;
    color: #FFF;
    border-top-right-radius: var(--border-radius);
    border-bottom-right-radius: var(--border-radius);
    padding-left: 1rem;
    padding-right: 1.5rem;
}

/* Marked “selected” item (blue background + white text, rounded right side) */
.loan-dropdown__item--selected {
    background-color: #F97316;
    color: #FFFFFF;
    border-top-right-radius: var(--border-radius);
    border-bottom-right-radius: var(--border-radius);
    padding-left: 1rem;
    padding-right: 1.5rem;
}

/* 8.8. Custom Scrollbar for WebKit Browsers */
.loan-dropdown__list {
    overflow-y: auto; /* enable vertical scrolling if too many items */
}

.loan-dropdown__list::-webkit-scrollbar {
    width: 6px;
}

.loan-dropdown__list::-webkit-scrollbar-track {
    background: transparent;
}

.loan-dropdown__list::-webkit-scrollbar-thumb {
    background-color: rgba(0, 0, 0, 0.1);
    border-radius: 3px;
}

.loan-dropdown__list::-webkit-scrollbar-thumb:hover {
    background-color: rgba(0, 0, 0, 0.2);
}

/* 8.9. Custom Scrollbar for Firefox */
@supports (scrollbar-width: thin) {
    .loan-dropdown__list {
        scrollbar-width: thin;
        scrollbar-color: rgba(0, 0, 0, 0.1) transparent;
    }
}

@media (max-width: 767px) {
    #home .container {
        flex-direction: column;
        gap: 0.26rem;
    }

    .hero-content {
        padding: 1rem 0rem 0.5rem;
    }

    #home h1 {
        font-size: 36px;
        line-height: 1.2;
        max-width: 670px;
    }

    .hero-form {
        display: block;
        gap: 0rem;
        padding: 0.5rem;
        border-radius: 40px;
    }

    .hero-form .btn::before {
        content: "";
        position: absolute;
        top: 0;
        left: 0;
        width: 100%;
        height: 100%;
        border-radius: inherit;
        background: inherit; /* match the button’s background */
        z-index: -1; /* put the glow behind the button surface */
        /* Inherit the same pulse animation for a smoother layered effect */
        animation: pulse-shadow 2s ease-in-out infinite;
    }

    .loan-dropdown {
        width: 100%; /* fill parent if needed */
    }

    .loan-dropdown__header {
        padding: 32px 1.75rem;
        margin-bottom: 0.6rem;
    }

    .loan-dropdown__selected {
        font-size: 1.6rem;
    }

    .loan-dropdown__item {
        font-size: 1.3rem;
        padding: 0.5rem 0.75rem;
    }

    .hero-form .btn {
        padding: 1.3rem 2.6rem;
        display: block;
        width: 100%;
        z-index: 0;
    }

    .loan-dropdown__toggle:checked ~ .loan-dropdown__list {
        max-height: 235px;
    }

}


/* ========================================================================
   3-Step “Apply Now” Overlay Form Styles
   ======================================================================== */

/* 1. Wrapper (full width) */
.multi-step-wrapper {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1.5rem;
    background-color: rgba(255, 255, 255, 0.8);
    max-width: 660px;
    border-radius: 100px;
    box-shadow: 0px 4px 4px 0px rgba(0, 0, 0, 0.11);
    display: none; /* above hero content */
}

.step {
    text-align: center;
}

/* 2. Each Step (only one displayed at a time) */
.multi-step-wrapper .step {
    display: none; /* hide all by default */
    animation: fadeIn 0.3s ease-out;
}

/* Show the first step initially */
.multi-step-wrapper .step#step-email {
    display: block;
}

/* 3. Inner “pill” area containing label + input + button */
.step-inner {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    background-color: #FFFFFF;
    border-radius: 60px;
    box-shadow: 0 4px 4px rgba(0, 0, 0, 0.11);
    padding: 0px 16px 0px 0px;
}

/* 4. Left circular label */
.step-label {
    flex-shrink: 0;
    background-color: #FFFFFF;
    border: 2px solid #F97316;
    border-radius: 36px;
    width: 102px;
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    font-size: 0.875rem;
    font-weight: 500;
    color: #212121;
    padding: 0.25rem;
}

.step-label span {
    text-shadow: none;
}

/* 5. The text input (peak in the middle) */
.step-input {
    flex: 1;
    border: none;
    font-size: 1rem;
    padding: 0.75rem 1rem;
    border-radius: 60px;
    background-color: #FFFFFF;
    color: #212121;
    outline: none;
    transition: border 0.2s ease;
}

/* Outline on focus */
.step-input:focus {

}

/* 6. “Continue” button on the right */
.step-btn {
    flex-shrink: 0;
    background-color: #F97316;
    color: #FFFFFF;
    font-size: 1rem;
    font-weight: 600;
    padding: 0.75rem 1.5rem;
    border: none;
    border-radius: 60px;
    cursor: pointer;
    transition: background-color 0.3s ease, box-shadow 0.3s ease;
}

.step-btn:hover,
.step-btn:focus {
    background-color: #c2410c;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
    outline: none;
}

/* 7. “Complete” Step (thank you) styling */
.step-complete {
    padding: 2rem;
    text-align: center;
}

.step-complete h2 {
    margin-bottom: 1rem;
    font-size: 1.5rem;
    color: #212121;
}

.step-complete p {
    font-size: 1rem;
    color: #555555;
}

.loading-image {
    width: 80px;
    height: 80px;
    display: inline-block;
    position: relative;
}

/* 8. Simple fade-in animation for steps */
@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@media screen and (max-width: 767px) {
    .multi-step-wrapper {
        flex-direction: column;
        align-items: center;
        padding: 0.6rem;
        border-radius: 40px;
    }

    .step-inner {
        width: 100%;
        gap: 0;
        display: block;
        border-radius: 30px;
        padding: 0;
        text-align: center;
    }

    .step-label {
        width: 60px;
        padding: 8px 2px;
        font-size: 0.875rem;
        display: inline-block;
        height: 63px;
        float: left;
    }

    .step-input {
        display: inline-block;
        font-size: 14px;
        width: 78%;
        padding: 16px 3px;
    }

    .step-btn {
        display: inline-block;
        width: 95%;
        margin: 0.5rem 0.5rem 0.5rem 0.5rem;
    }
}

/* Three Feature Icons Under Hero */
.hero-features {
    position: relative;
    margin-top: -3rem;
    border-radius: 8px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
}

.hero-features .feature-item {
    display: inline-block;
    border-radius: 60px;
    background: #FFF;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.11);
    align-items: center;
    gap: 0.5rem;
    flex: 1;
    justify-content: center;
    margin: 1rem;;
}

.hero-features .feature-item span {
    font-size: 18px;
    font-weight: 500;
    margin: 1rem;
    display: table-cell;
    position: relative;
    padding: 0.5rem 0.75rem 0.5rem 0.5rem;
}

.feature-icon {
    display: inline-block;
    float: left;
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background-color: #FFF;
    border: 3px solid #F97316;
    padding: 12px 10px;
}

.hero-features .feature-item img {
    width: 46px;
    height: auto;
}

@media (max-width: 767px) {
    .hero-features {
        flex-direction: column;
        align-items: center;
        margin-top: 0rem;
    }

    .hero-features .feature-item {
        max-width: 280px;
        margin: 1rem 0;
    }
}

/* ========================================================================
   How It Works Section (#how-it-works)
   ======================================================================== */

#how-it-works {
    background-color: #ffffff;
}

#how-it-works .container {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 2rem;
}

/* Illustration/Image Side */
#how-it-works .illustration {
    flex: 1 1 400px;
}

#how-it-works .illustration img {
    border-radius: 8px;
}

/* Textual Steps Side */
#how-it-works .steps {
    flex: 1 1 400px;
}

#how-it-works h2 {
    font-size: 2rem;
    margin-bottom: 1rem;
}

#how-it-works .step {
    margin-bottom: 1.5rem;
    text-align: left;
}

#how-it-works .step h3 {
    font-size: 1.25rem;
    margin-bottom: 0.5rem;
}

@media (max-width: 767px) {
    #how-it-works .container {
        flex-direction: column;
        align-items: center;
    }

    #how-it-works .illustration,
    #how-it-works .steps {
        flex: 1 1 auto;
        max-width: 100%;
    }
}

/* ========================================================================
   Loan Options Section (#loan-options)
   ======================================================================== */

#loan-options {
    background-image: url("../img/loan_options.jpg"); /* Replace with your hero image filename */
    background-size: cover;
    background-position: center;
    color: #FFF;
}

#loan-options .container {
    max-width: 1300px;
}

/* Section Title */
#loan-options h2 {
    font-size: 2rem;
    margin-bottom: 1.6rem;
}

/* Section Intro Paragraph */
#loan-options p {
    max-width: 500px;
    margin-left: 0.5rem;
    margin-right: auto;
    margin-bottom: 0.6rem;
    font-size: 1rem;
    color: #FFF;
    display: inline-block;
}

/* Grid Layout for Option Cards */
#loan-options .options-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

/* Individual Option Card */
#loan-options .option-card {
    padding: 0.5rem;
    border-radius: 8px;
    text-align: left;
}

#loan-options .option-card h3 {
    font-size: 1.25rem;
    margin-bottom: 0.4rem;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
    background-color: rgba(255, 255, 255, 0.11);
    display: inline-block;
    border-radius: 60px;
    padding: 6px 16px;
}

#loan-options .option-card p {
    font-size: 1rem;
    color: #FFF;
}

@media (max-width: 767px) {
    #loan-options .options-grid {
        grid-template-columns: 1fr; /* Single column on small screens */
    }

    #loan-options .option-card {
        padding: 0rem;
    }

    #loan-options .option-card h3 {
        font-size: 1.125rem; /* Slightly smaller heading */
    }

    .section {
        padding-top: 2rem;
        padding-bottom: 2rem;
    }
}

/* ========================================================================
   Trust & Security Section (#trust-security)
   ======================================================================== */

#trust-security {
    background-color: #ffffff;
    color: #333333;
}

#trust-security .container {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 2rem;
}

/* Left Text Content */
#trust-security .security-text {
    flex: 1 1 400px;
    margin-right: 2rem;
}

#trust-security h2 {
    font-size: 2rem;
    margin-bottom: 1rem;
}

#trust-security .security-text h3 {
    font-size: 1.25rem;
    margin-bottom: 0.5rem;
}

#trust-security .security-text p {
    font-size: 1rem;
    color: #555555;
    margin-bottom: 1.5rem;
}

#trust-security .security-text a {
    color: #ea580c;
    text-decoration: underline;
}

#trust-security .security-text a:hover,
#trust-security .security-text a:focus {
    color: #c2410c;
    outline: none;
}

/* Right Side: Image and Support Box */
#trust-security .security-image-wrapper {
    position: relative;
    flex: 1 1 360px;
}

#trust-security .security-image-wrapper img {
    border-radius: 8px;
}

#trust-security .support-block {
    position: absolute;
    bottom: -30px;
    right: -30px;
    max-width: 420px;
}

#trust-security .support-box {
    background-color: #ffffff;
    border-radius: 36px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
    padding: 1rem;
}

#trust-security .support-box img {
    width: 80px;
    height: auto;
    margin-bottom: 0.5rem;
}

#trust-security .support-box h4 {
    font-size: 1.3rem;
    margin-bottom: 0.5rem;
}

#trust-security .support-box p {
    font-size: 0.9rem;
    margin-bottom: 0.75rem;
    color: #555555;
}

#trust-security .support-box .btn {
    font-size: 0.875rem;
    padding: 0.5rem 1rem;
    background-color: #000;
}

#trust-security .support-box .btn:hover {
    background-color: #F97316;
}


@media (max-width: 767px) {
    #trust-security .container {
        flex-direction: column;
        align-items: center;
        gap: 0;
    }

    #trust-security .security-text {
        text-align: center;
        margin-right: 0;
        margin-bottom: 1rem;
    }

    #trust-security .security-image-wrapper {
        width: 100%;
        max-width: 360px;
    }

    #trust-security .support-block {
        position: static;
        max-width: none;
        width: 100%;
    }
}

/* ========================================================================
   Call-to-Action Section (#apply)
   ======================================================================== */

#apply {
    background-image: url("../img/loan_now.jpg");
    background-size: cover;
    background-position: center;
    color: #ffffff;
    text-align: center;
}

#apply h2 {
    font-size: 2rem;
    margin-bottom: 1rem;
}

#apply form {
    max-width: 769px;
    background-color: rgba(255, 255, 255, 0.6);
    display: inline-block;
    justify-content: center;
    align-items: center;
    border-radius: 60px;
    padding: 1rem 1rem;
    margin-top: 1.5rem;
    box-shadow: 0px 4px 4px 0px rgba(0, 0, 0, 0.11);
}

/* CTA Select Dropdown */
#apply select {
    padding: 0.75rem 1rem;
    font-size: 20px;
    font-weight: 500;
    border-radius: 60px;
    border: none;
    min-width: 140px;
    background-color: #ffffff;
    color: #000;
    box-shadow: 0px 4px 4px 0px rgba(0, 0, 0, 0.11);
}

#apply select:focus {
    outline: 1px solid #F97316;
}

/* CTA Email Input */
#apply input {
    padding: 1rem 1rem;
    font-size: 16px;
    border-radius: 60px;
    border: none;
    min-width: 200px;
    box-shadow: 0px 4px 4px 0px rgba(0, 0, 0, 0.11);
    margin: 0rem 0.75rem;
    color: #000;
}

#apply input:focus {
    outline: 1px solid #F97316;
}

/* CTA Submit Button */
#apply button.btn {
    background-color: #000;
    color: #FFF;
    padding: 0.75rem 1.5rem;
    border-radius: 60px;
}

#apply button.btn:hover,
#apply button.btn:focus {
    background-color: #FFF;
    color: #F97316;
    outline: none;
}

@media (max-width: 767px) {
    #apply form {
        padding: 1rem;
    }

    #apply select,
    #apply input {
        width: 100%;
        margin: 0.5rem 0;
        margin-top: 0;
    }
}

/* ========================================================================
   Material Disclosure Section (#disclosure)
   ======================================================================== */

#disclosure {
    background-color: #f9f9f9;
    font-size: 0.75rem;
    color: #555555;
}

#disclosure .container {
    max-width: 90%;
}

#disclosure p {
    margin-bottom: 1rem;
    line-height: 1.4;
}

/* Hyperlink inside disclosure */
#disclosure a {
    color: #ea580c;
    text-decoration: underline;
}

#disclosure a:hover,
#disclosure a:focus {
    color: #c2410c;
    outline: none;
}

@media (max-width: 767px) {
    #disclosure .container {
        max-width: 100%;
    }

    #disclosure p {
        font-size: 0.6rem;
    }
}

/* ========================================================================
   Footer
   ======================================================================== */

footer {
    background-color: #ffffff;
    border-top: 1px solid #e0e0e0;
    padding-top: 0rem;
    padding-bottom: 2rem;
    text-align: center;
}

footer .container {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    padding: 2rem 0;
}

/* Footer Logo */
footer a img {
    height: 30px;
}

/* Footer Navigation */
footer nav ul {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
}

footer nav ul li a {
    font-size: 0.9rem;
    color: #555555;
    transition: color 0.2s ease;
}

footer nav ul li a:hover,
footer nav ul li a:focus {
    color: #ea580c;
    outline: none;
}

/* Footer Copyright */
footer .copyright {
    font-size: 0.9rem;
    color: #555555;
    display: block;
    width: 100%;
    padding-top: 2rem;
    box-shadow: 0px -4px 4px 0px rgba(0, 0, 0, 0.09);
}

@media (max-width: 767px) {
    footer .container {
        display: block;
    }

    footer nav ul {
        display: block;
    }

    footer nav ul {
        display: block;
    }

    footer a img {
        display: inline-block;
    }
}

/* ========================================================================
   Responsive Breakpoints
   ======================================================================== */

/* Small devices (up to 575px) */
@media (max-width: 575px) {
    header .container {
        flex-direction: column;
        align-items: flex-start;
    }

    nav ul {
        flex-direction: column;
        gap: 0.75rem;
        margin-top: 1rem;
    }

    #how-it-works .container,
    #trust-security .container {
        flex-direction: column;
    }

    #loan-options .options-grid {
        grid-template-columns: 1fr;
    }

    #apply form {
        flex-direction: column;
        border-radius: 36px;
    }
}


/* Medium devices (576px to 767px) */
@media (min-width: 576px) and (max-width: 767px) {
    #loan-options .options-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

/* Large devices (768px to 991px) */
@media (min-width: 768px) and (max-width: 991px) {
    #loan-options .options-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

/* Extra large devices (992px and above) */
@media (min-width: 992px) {
    #loan-options .options-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.legal-hero {
    position: relative;
    color: #ffffff;
    text-shadow: 0 1px 3px rgba(0, 0, 0, 0.6);
    display: block;
    text-align: center;
    justify-content: center;
    padding: 6rem 1rem;
    background-image: url("../img/legal.jpg");
    background-size: cover;
    background-position: center;
}

.legal-hero h1 {
    font-size: 2.5rem;
    line-height: 1.2;
    margin-bottom: 1rem;
}

.legal-section {
    padding: 3rem 0;
}

.legal-section p {
    padding: 1rem 0;
}

.legal-section a {
    color: #F97316;
}

.legal-section h2 {
    padding-top: 1rem;
}

.legal-hero__subtitle {
    max-width: 860px;
    display: inline-block;
    margin-bottom: 1rem;
}

.legal-section ul li {
    background-image: url("../img/benefit_star.svg");
    background-repeat: no-repeat;
    background-position: left center;
    padding-left: 2rem;
}

.legal-section td {
    padding: 0.5rem 0;
    border-bottom: 1px solid #e0e0e0;
    padding-right: 6rem;
}

.legal-section thead th {
    padding: 0.5rem 0;
    border-bottom: 1px solid #e0e0e0;
    padding-right: 6rem;
    font-weight: bold;
    text-align: left;
}


@media screen and (max-width: 767px) {
    .legal-hero {
        padding: 3rem 1rem;
    }

    .legal-hero h1 {
        font-size: 1.8rem;
        line-height: 1.2;
    }

    .legal-section {
        padding: 2rem 0;
    }

    /* Fix: numbered list items not clipped on mobile */
    .legal-section ol {
        padding-left: 2rem;
    }

    .legal-section ol li {
        padding-left: 0.5rem;
    }

    .legal-hero__subtitle {
        max-width: 100%;
        display: block;
        margin-bottom: 1rem;
    }

    .legal-section ul li {
        background-image: url("../img/benefit_star.svg");
        background-repeat: no-repeat;
        background-position: left center;
        padding-left: 1.5rem;
    }

    .legal-section td {
        padding: 0.5rem 0;
        border-bottom: 1px solid #e0e0e0;
        font-size: 12px;
        font-weight: 600;
    }

    .legal-section thead th {
        padding: 0.5rem 0;
        border-bottom: 1px solid #e0e0e0;
        font-size: 12px;
        font-weight: 600;
    }

    .table-wrapper {
        width: 100%;
        overflow-x: auto;
    }

    .table-wrapper table {
        width: 100%;
        border-collapse: collapse;
        min-width: 600px;
    }

}


.how-it-works-section {
    padding: 6rem 0;
    background-image: url("../img/how-it-works.jpg");
    background-size: cover;
    background-position: center;
    color: #ffffff;
}

.how-it-works-section .container {
    display: block;
    flex-direction: column;
    align-items: center;
    text-align: center;
}

.how-it-works-section .illustration {
    width: 40%;
    display: inline-block;
    vertical-align: top;
}

.how-it-works-section .steps {
    width: 40%;
    display: inline-block;
    text-align: left;
    margin-left: 3rem;
}

.how-it-works-section .steps .step {
    text-align: left;
    margin-top: 2rem;
}

.how-it-works-section h2 {
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

@media screen and (max-width: 767px) {
    .how-it-works-section .container {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .how-it-works-section .illustration,
    .how-it-works-section .steps {
        width: 100%;
        margin-left: 0;
    }

    .how-it-works-section h2 {
        font-size: 1.8rem;
        margin-bottom: 1rem;
    }

    .how-it-works-section .steps .step {
        text-align: center;
        margin-top: 1rem;
    }

    .how-it-works-section .steps h3 {
        font-size: 1.5rem;
    }

    .how-it-works-section h2 {
        margin-top: 1rem;
        text-align: center;

    }

    .how-it-works-section {
        padding: 2rem 0;
    }

}

.info-left {
    float: left;
    display: inline-block;
    width: 46%;
}

.info-right {
    display: inline-block;
    width: 45%;
    margin-left: 4rem;
}

.section.how-it-works-block-second h3 {
    margin-bottom: 2rem;;
}

.section.how-it-works-block-second ul li {
    background-image: url("../img/benefit_star.svg");
    background-repeat: no-repeat;
    background-position: left center;
    padding-left: 1.5rem;
    margin-bottom: 2rem;
}

@media screen and (max-width: 767px) {
    .info-left, .info-right {
        width: 100%;
        margin-left: 0;
    }

    .section.how-it-works-block-second h3 {
        margin-bottom: 1rem;
    }

    .section.how-it-works-block-second ul li {
        padding-left: 1.5rem;
        margin-bottom: 1rem;
    }

    .section.how-it-works-block-second p {
        margin-bottom: 1rem;;
    }

}

.faq-banner-section {
    position: relative;
    background-image: url('../img/faq.jpg'); /* Replace with your banner image filename */
    background-size: cover;
    background-position: center;
    min-height: 300px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.faq-banner-heading {
    font-size: 2.5rem;
    color: #ffffff;
    text-shadow: 0 2px 6px rgba(0, 0, 0, 0.5);
    text-align: center;
}

/* ------------------------------------
   2. FAQ Content Section (List of Q&A)
   ------------------------------------ */

.faq-section {
    background-color: #ffffff;
}

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

/* Стили для <details> */
.faq-container details {
    border-bottom: 1px solid #e0e0e0;
    padding: 1rem 0;
}

/* Стили для <summary> (вопрос) */
.faq-container summary {
    font-size: 1rem;
    font-weight: bold;
    cursor: pointer;
    list-style: none; /* Убираем маркер */
    position: relative;
    padding-right: 1.5rem;
}

.faq-container summary:hover {
    color: #F97316;
}

/* Убираем стрелку браузера по умолчанию */
.faq-container summary::-webkit-details-marker {
    display: none;
}

/* Вставляем свою стрелку (псевдо-элемент) */
.faq-container summary::after {
    content: '▸';
    position: absolute;
    right: 0;
    font-size: 1rem;
    transition: transform 0.2s ease;
}

/* Когда раскрыто — поворачиваем стрелку */
.faq-container details[open] summary::after {
    transform: rotate(90deg);
}

/* Текст ответа внутри <details> (параграф + списки) */
.faq-container p {
    margin-top: 0.5rem;
    color: #333333;
    font-size: 0.95rem;
    line-height: 1.5;
}

.faq-container ul {
    margin-top: 0.5rem;
    margin-left: 1.5rem;
    list-style-type: disc;
}

.faq-container ul li {
    margin-bottom: 0.25rem;
}

/* ------------------------------------
   Media Queries: адаптация под мобильные
   ------------------------------------ */
@media (max-width: 767px) {
    .faq-banner-section {
        min-height: 160px;
    }

    .faq-banner-heading {
        font-size: 2rem;
    }

    .faq-container {
        width: 100%;
        padding: 0 1rem;
    }

    .faq-container details {
        padding: 0.75rem 0;
    }

    .faq-container summary {
        font-size: 0.95rem;
        padding-right: 1rem;
    }

    .faq-container summary::after {
        font-size: 0.9rem;
    }

    .faq-container p {
        font-size: 0.9rem;
    }

    .faq-container ul {
        margin-left: 1.25rem;
    }
}

/* ------------------------------------
   Секция Contact Us
   ------------------------------------ */

/* Дополнительный флекс-контейнер внутри .container */
.contact-container {
    display: flex;
    flex-wrap: wrap;
    gap: 2rem;
    align-items: stretch;
}

/* Левая колонка: форма */
.contact-form-wrapper {
    flex: 1;
    min-width: 320px;
}

.contact-form-inner {
    background-color: #fff;
    border-radius: 8px;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
    padding: 2rem;
}

/* Заголовок формы */
.contact-heading {
    font-size: 1.75rem;
    margin-bottom: 1.5rem;
    color: #111;
}

/* Селектор формы */
.contact-form {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

/* Общие стили для текстовых полей */
.contact-input {
    padding: 0.75rem 1rem;
    border: none;
    border-radius: 30px;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
    font-size: 1rem;
    width: 100%;
}

/* Стили для textarea */
.contact-textarea {
    padding: 1rem;
    border: none;
    border-radius: 20px;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
    font-size: 1rem;
    resize: vertical;
    width: 100%;
    min-height: 120px;
}

/* Кнопка отправки */
.contact-submit {
    margin-top: 1rem;
    align-self: flex-start;
    padding: 0.75rem 2rem;
}

/* ------------------------------------
   Правая колонка: контактная информация
   ------------------------------------ */

.contact-info-wrapper {
    flex: 1;
    min-width: 320px;
    position: relative;
}

/* Фон и позиционирование */
.contact-info-inner {
    background-image: url('path/to/contact-background.jpg');
    background-size: cover;
    background-position: center;
    border-radius: 8px;
    position: relative;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
}

/* Полупрозрачный оверлей для текста */
.contact-info-overlay {
    background-color: rgba(0, 0, 0, 0.5);
    background-image: url(../img/contact.jpg);
    background-size: cover;
    background-position: center;
    border-radius: 8px;
    max-width: 1200px;
    width: 100%;
    color: #fff;
    position: absolute;
    top: -6rem;
    right: -6rem;
    padding: 8rem 2rem 13rem 2rem;
    color: #fff;
}

.contact-info-overlay h2 {
    color: #fff;
}

.contact-info-overlay a {
    color: #fff;
}

/* Стили каждой строки с иконкой */
.contact-item {
    display: flex;
    align-items: center;
    margin-bottom: 1rem;
}

/* Круглый фон под иконку */
.contact-icon {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.2);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 1rem;
}

/* Размер иконки внутри круга */
.contact-icon img {
    width: 24px;
    height: 24px;
}

/* Фон и скругление для текста контакта */
.contact-text {
    background-color: rgba(255, 255, 255, 0.2);
    padding: 0.5rem 1rem;
    border-radius: 30px;
    font-size: 1rem;
}

.contact-info-wrapper.mobile {
    display: none;
}

.contact-info-wrapper.desktop {
    display: block;
}

@media screen and (max-width: 1024px) {

    .contact-info-overlay {
        top: -6rem;
        right: -2rem;
        padding: 8rem 0rem 3rem 1rem;
    }
}

/* ------------------------------------
   Медиа-правки для mobile (<= 767px)
   ------------------------------------ */
@media (max-width: 767px) {
    .contact-info-wrapper.mobile {
        display: block;
    }

    .contact-info-wrapper.desktop {
        display: none;
    }

    .contact-container {
        flex-direction: column;
        align-items: center;
    }

    .contact-form-wrapper,
    .contact-info-wrapper {
        width: 100%;
    }

    .contact-form-inner,
    .contact-info-inner {
        border-radius: 6px;
        padding: 1.5rem;
    }

    .contact-heading {
        font-size: 1.5rem;
        margin-bottom: 1rem;
    }

    .contact-input,
    .contact-textarea {
        font-size: 0.9rem;
        padding: 0.75rem;
    }

    .contact-submit {
        width: 100%;
        text-align: center;
        padding: 0.75rem;
    }

    #contact.section {
        padding: 2rem 0rem;
    }

    .contact-info-overlay {
        padding: 1.5rem;
        display: block;
        top: 0;
        right: 0;
        width: 100%;
        position: relative;
    }

    .contact-item {
        margin-bottom: 0.75rem;
    }

    .contact-text {
        font-size: 0.9rem;
        padding: 0.5rem;
    }
}


.modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.6);
    display: flex;
    align-items: center;
    justify-content: center;
    visibility: hidden;
    opacity: 0;
    transition: opacity 0.3s ease, visibility 0.3s;
    z-index: 1000;
}

.modal.show {
    visibility: visible;
    opacity: 1;
}

/* Modal box */
.modal-content {
    background: #fff;
    color: #333;
    width: 90%;
    max-width: 600px;
    max-height: 80vh;
    overflow-y: auto;
    border-radius: 8px;
    padding: 1.5rem;
    position: relative;
    transform: scale(0);
    transition: transform 0.3s ease;
}

.modal.show .modal-content {
    transform: scale(1);
}

/* Close button */
.modal-close {
    position: absolute;
    top: 0.25rem;
    right: 0.75rem;
    background: transparent;
    border: none;
    font-size: 3.6rem;
    line-height: 1;
    color: #666;
    cursor: pointer;
}

/* Headings and body */
.modal-content h2 {
    margin-top: 0;
}

.modal-content h3 {
    margin-bottom: 0.25rem;
}

.modal-body p {
    margin-bottom: 1rem;
    line-height: 1.4;
}

.disclosure-link-wrapper {
    margin-top: 1rem;
}

/* Trigger link styling (optional) */
.disclosure-link {
    color: #fff;
    font-size: 14px;
    opacity: 0.6;
    text-decoration: underline;
    cursor: pointer;
}

.disclosure-link:hover {
    opacity: 1;
}