/* ========================================
   NATIONAL LOAN PROVIDER — Main Styles
   ======================================== */

:root {
  --navy: #013777;
  --blue: #0A97E8;
  --navy-light: rgba(1, 55, 119, 0.08);
  --white: #FFFFFF;
  --gray-100: #F7F9FC;
  --gray-200: #EDF1F7;
  --gray-400: #899296;
  --gray-700: #42474C;
  --heading: #262D36;
  --shadow-sm: 0 2px 8px rgba(1, 55, 119, 0.08);
  --shadow-md: 0 6px 24px rgba(1, 55, 119, 0.12);
  --shadow-lg: 0 12px 40px rgba(1, 55, 119, 0.16);
  --radius: 12px;
  --radius-lg: 20px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Open Sans', sans-serif;
  font-size: 16px;
  font-weight: 300;
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.7;
}

h1, h2, h3, h4, h5 {
  font-family: 'Poppins', sans-serif;
  color: var(--heading);
  line-height: 1.3;
}

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

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

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-label {
  display: inline-block;
  background: var(--navy-light);
  color: var(--navy);
  font-family: 'Poppins', sans-serif;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.section-title {
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 600;
  color: var(--heading);
  margin-bottom: 16px;
}

.section-sub {
  font-size: 17px;
  color: var(--gray-400);
  max-width: 560px;
}

/* ========================================
   DROPDOWN NAV
   ======================================== */
.nav-has-dropdown {
  position: relative;
}

.nav-has-dropdown > a {
  display: flex;
  align-items: center;
  gap: 5px;
}

.nav-has-dropdown > a .caret {
  font-size: 10px;
  transition: transform 0.2s;
  line-height: 1;
}

.nav-has-dropdown:hover > a .caret {
  transform: rotate(180deg);
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--white);
  border-radius: 16px;
  box-shadow: 0 20px 60px rgba(1,55,119,0.15);
  padding: 10px;
  min-width: 300px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s, visibility 0.2s, transform 0.2s;
  z-index: 500;
  border: 1px solid var(--gray-200);
}

.nav-has-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.dropdown-item {
  display: block;
  padding: 10px 14px;
  border-radius: 10px;
  transition: background 0.15s;
  text-decoration: none;
}

.dropdown-item:hover {
  background: var(--navy-light);
}

.dropdown-item-title {
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 2px;
}

.dropdown-item-desc {
  display: block;
  font-size: 12px;
  color: var(--gray-400);
  line-height: 1.4;
}

/* Page hero (inner pages) */
.page-hero {
  padding: 140px 0 60px;
  background: linear-gradient(135deg, var(--navy) 0%, #024a9e 100%);
  text-align: center;
  position: relative;
}

.page-hero-title {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(32px, 5vw, 52px);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 14px;
}

.page-hero-sub {
  font-size: 18px;
  color: rgba(255,255,255,0.75);
  max-width: 560px;
  margin: 0 auto;
}

/* ========================================
   TOP BAR
   ======================================== */
.top-bar {
  background: var(--navy);
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.top-bar-left,
.top-bar-right {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 13px;
  color: rgba(255,255,255,0.7);
}

.top-bar-right a {
  color: rgba(255,255,255,0.85);
  transition: color 0.2s;
}

.top-bar-right a:hover {
  color: var(--blue);
}

.top-bar-divider {
  color: rgba(255,255,255,0.25);
}

/* ========================================
   NAVBAR
   ======================================== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
  transition: box-shadow 0.3s ease;
}

.navbar.scrolled {
  box-shadow: var(--shadow-md);
}

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

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

.nav-logo img {
  height: 44px;
  width: auto;
}

.nav-logo-text {
  font-family: 'Poppins', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
}

.nav-logo-text span {
  color: var(--blue);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
  list-style: none;
}

.nav-links a {
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: var(--heading);
  transition: color 0.2s;
  position: relative;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--blue);
  border-radius: 2px;
  transform: scaleX(0);
  transition: transform 0.2s;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--blue) !important;
}

.nav-links a:hover::after,
.nav-links a.active::after {
  transform: scaleX(1);
}

.footer-bottom a {
  color: rgba(255,255,255,0.35);
  transition: color 0.2s;
}
.footer-bottom a:hover {
  color: var(--blue);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 100px;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all 0.2s ease;
}

.btn-primary {
  background: var(--blue);
  color: var(--white);
}

.btn-primary:hover {
  background: #0886d0;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(10, 151, 232, 0.35);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}

.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-1px);
}

.btn-white {
  background: var(--white);
  color: var(--navy);
}

.btn-white:hover {
  background: var(--gray-100);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-lg {
  padding: 16px 36px;
  font-size: 16px;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--heading);
  border-radius: 2px;
  transition: all 0.3s;
}

/* ========================================
   HERO
   ======================================== */
.hero {
  padding: 110px 0 60px;
  background: linear-gradient(135deg, var(--navy) 0%, #024a9e 100%);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--white);
  font-size: 13px;
  font-weight: 500;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}

.hero-badge::before {
  content: '';
  width: 8px;
  height: 8px;
  background: #4ade80;
  border-radius: 50%;
  flex-shrink: 0;
}

.hero-title {
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.15;
}

.hero-title span {
  color: var(--blue);
}

.hero-subtitle {
  font-size: 18px;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 24px;
  max-width: 540px;
}

.hero-bullets {
  list-style: none;
  margin-bottom: 36px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.9);
  font-size: 15px;
  font-weight: 400;
}

.hero-bullet-icon {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.hero-bullet-icon::before {
  content: "";
  display: block;
  width: 6px;
  height: 11px;
  border-right: 2.5px solid var(--blue);
  border-bottom: 2.5px solid var(--blue);
  transform: rotate(45deg) translateY(-2px);
}

/* Two-column content grid */
.two-col-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

@media (max-width: 900px) {
  .two-col-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

@media (max-width: 768px) {
  .hide-on-mobile {
    display: none !important;
  }
}

/* Trust Bar */
.trust-bar-section {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 0;
  box-shadow: 0 2px 12px rgba(1,55,119,0.07);
}

.trust-bar-items {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
  padding: 20px 0;
}

.trust-bar-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  padding: 8px 32px;
}

.trust-bar-icon {
  color: var(--blue);
  font-size: 13px;
  font-weight: 700;
}

.trust-bar-divider {
  width: 1px;
  height: 28px;
  background: var(--gray-200);
  flex-shrink: 0;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero-stats {
  display: flex;
  gap: 40px;
}

.hero-stat {
  text-align: left;
}

.hero-stat-num {
  font-family: 'Poppins', sans-serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.hero-stat-label {
  font-size: 13px;
  color: rgba(255,255,255,0.6);
  margin-top: 4px;
}

.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  box-shadow: var(--shadow-lg);
}

.hero-card-label {
  font-family: 'Poppins', sans-serif;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 6px;
}

.hero-card-title {
  font-family: 'Poppins', sans-serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.hero-card-sub {
  font-size: 13px;
  color: var(--gray-400);
  margin-bottom: 12px;
  line-height: 1.5;
}

/* ========================================
   QUOTE / FORM
   ======================================== */
.quote-section {
  padding: 100px 0;
  background: var(--gray-100);
}

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

.quote-info .section-sub {
  margin-bottom: 32px;
}

.trust-badges {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 20px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}

.trust-badge-icon {
  width: 44px;
  height: 44px;
  background: var(--navy-light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 20px;
}

.trust-badge-text strong {
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--heading);
}

.trust-badge-text span {
  font-size: 13px;
  color: var(--gray-400);
}

.quote-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.form-title {
  font-family: 'Poppins', sans-serif;
  font-size: 22px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

.form-sub {
  font-size: 14px;
  color: var(--gray-400);
  margin-bottom: 28px;
}

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

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

.form-group label {
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: 13px;
  font-weight: 500;
  color: var(--heading);
  margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: 10px;
  font-family: 'Open Sans', sans-serif;
  font-size: 15px;
  color: var(--heading);
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  appearance: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(10, 151, 232, 0.1);
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23899296' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
  cursor: pointer;
}

.form-group.full {
  grid-column: 1 / -1;
}

.form-submit {
  width: 100%;
  padding: 16px;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 10px;
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  margin-top: 8px;
}

.form-submit:hover {
  background: var(--blue);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(10, 151, 232, 0.3);
}

.form-disclaimer {
  font-size: 12px;
  color: var(--gray-400);
  text-align: center;
  margin-top: 12px;
}

/* ========================================
   LOAN PROGRAMS
   ======================================== */
.loans-section {
  padding: 0 0 80px;
  background: var(--white);
}

.loans-header {
  text-align: center;
  padding: 32px 0;
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
  margin-bottom: 60px;
}

.loans-header .section-title {
  color: var(--navy);
  margin: 0;
  font-size: 30px;
}

.loans-header .section-sub {
  display: none;
}

/* Loan Accordion — vertical stacked */
.loans-accordion {
  display: flex;
  flex-direction: column;
  gap: 10px;
  max-width: 680px;
  margin: 0 auto;
}

.loan-tab {
  cursor: pointer;
  border-radius: 14px;
  overflow: hidden;
  background: var(--gray-100);
  transition: background 0.2s;
}

.loan-tab:hover { background: var(--gray-200); }
.loan-tab.open { background: var(--navy); }

.loan-tab-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  gap: 12px;
}

.loan-tab-header-text {
  display: flex;
  flex-direction: column;
  gap: 3px;
}

.loan-tab-name {
  font-family: 'Poppins', sans-serif;
  font-size: 17px;
  font-weight: 600;
  color: var(--navy);
  transition: color 0.2s;
  line-height: 1.3;
}

.loan-tab-desc {
  font-size: 13px;
  color: var(--gray-400);
  line-height: 1.4;
  transition: color 0.2s;
  margin-top: 2px;
}

.loan-tab.open .loan-tab-name { color: var(--white); }
.loan-tab.open .loan-tab-desc { color: rgba(255,255,255,0.7); }

.loan-tab-arrow {
  font-size: 14px;
  color: var(--gray-400);
  transition: transform 0.2s, color 0.2s;
  flex-shrink: 0;
}

.loan-tab.open .loan-tab-arrow { transform: rotate(180deg); color: rgba(255,255,255,0.7); }

.loan-tab-body {
  display: none;
  padding: 0 24px 20px;
  background: var(--navy);
}

.loan-tab.open .loan-tab-body { display: block; }

.loan-tab-body p {
  font-size: 14px;
  color: rgba(255,255,255,0.8);
  line-height: 1.7;
  margin-bottom: 14px;
}

.loan-tab-body .loan-card-link {
  color: var(--blue);
  font-weight: 600;
  font-size: 14px;
}

.loans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  padding-bottom: 80px;
  align-items: start;
  justify-items: center;
}
.loans-grid .loan-square {
  width: 100%;
}
.loans-grid:has(.loan-square:last-child:nth-child(3n+1)) .loan-square:last-child {
  grid-column: 2;
}
.loans-grid:has(.loan-square:last-child:nth-child(3n+2)) .loan-square:last-child {
  grid-column: 2 / span 2;
}

.loan-square {
  background: var(--gray-100);
  border: 1.5px solid var(--gray-200);
  border-radius: 12px;
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  text-decoration: none;
  transition: all 0.2s;
}

.loan-square:hover {
  background: var(--navy);
  border-color: var(--navy);
}

.loan-square-name {
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  transition: color 0.2s;
}

.loan-square:hover .loan-square-name { color: var(--white); }

.loan-square-desc {
  font-size: 13px;
  color: var(--gray-400);
  line-height: 1.5;
  transition: color 0.2s;
}

.loan-square:hover .loan-square-desc { color: rgba(255,255,255,0.75); }

.loan-square-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
}

.loan-square-arrow {
  font-size: 14px;
  color: var(--navy);
  transition: transform 0.25s;
  flex-shrink: 0;
  margin-top: 2px;
}

.loan-square:hover .loan-square-arrow { color: var(--white); }

.loan-square.open .loan-square-arrow { transform: rotate(180deg); }

.loan-square-body {
  display: none;
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--gray-200);
}

.loan-square.open .loan-square-body { display: block; }

.loan-square-meta {
  font-family: 'Poppins', sans-serif;
  font-size: 12px;
  font-weight: 600;
  color: var(--blue);
  margin-bottom: 10px;
  letter-spacing: 0.02em;
}

.loan-square-body p {
  font-size: 13px;
  color: var(--gray-400);
  line-height: 1.7;
  margin-bottom: 14px;
}

.loan-square-body a {
  font-family: 'Poppins', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
}

.loan-square-body a:hover { color: var(--blue); }

.loan-square.open {
  background: var(--white);
  border-color: var(--navy);
}

.loan-square.open .loan-square-name { color: var(--navy); }
.loan-square.open .loan-square-desc { color: var(--gray-400); }

.loan-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all 0.25s ease;
  position: relative;
  overflow: hidden;
}

.loan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--navy), var(--blue));
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.loan-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

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

.loan-icon {
  width: 52px;
  height: 52px;
  background: var(--navy-light);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 18px;
  transition: background 0.25s;
}

.loan-card:hover .loan-icon {
  background: var(--navy);
}

.loan-card-title {
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 10px;
}

.loan-card-desc {
  font-size: 14px;
  color: var(--gray-700);
  line-height: 1.65;
  margin-bottom: 16px;
}

.loan-card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: 'Poppins', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--blue);
  transition: gap 0.2s;
}

.loan-card-link:hover {
  gap: 10px;
}

/* ========================================
   REVIEWS
   ======================================== */
.reviews-section {
  padding: 100px 0;
  background: var(--navy);
}

.reviews-header {
  text-align: center;
  margin-bottom: 60px;
}

.reviews-header .section-sub {
  margin: 0 auto;
}

.stars-rating {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-bottom: 12px;
}

.stars {
  display: flex;
  gap: 4px;
  color: #F59E0B;
  font-size: 20px;
}

.rating-num {
  font-family: 'Poppins', sans-serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
}

.rating-label {
  font-size: 14px;
  color: var(--gray-400);
  text-align: center;
  margin-bottom: 48px;
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.review-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s;
}

.review-card:hover {
  box-shadow: var(--shadow-md);
}

.review-stars {
  display: flex;
  gap: 3px;
  color: #F59E0B;
  font-size: 14px;
  margin-bottom: 14px;
}

.review-text {
  font-size: 14px;
  color: var(--gray-700);
  line-height: 1.75;
  margin-bottom: 20px;
}

.review-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.review-avatar {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

.review-author-info strong {
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--heading);
}

.review-author-info span {
  font-size: 13px;
  color: var(--gray-400);
}

/* ========================================
   RECENTLY FUNDED
   ======================================== */
.funded-section {
  padding: 0;
  background: var(--gray-100);
}

.funded-header {
  text-align: center;
  padding: 32px 0;
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
  margin-bottom: 40px;
}

.funded-header .section-title {
  color: var(--navy);
  margin: 0;
  font-size: 30px;
}

.funded-carousel-wrapper {
  overflow: hidden;
  width: 100%;
  padding: 8px 0 24px;
  cursor: grab;
}

.funded-carousel-wrapper:active {
  cursor: grabbing;
}

.funded-track {
  display: flex;
  gap: 24px;
  width: max-content;
  animation: carousel-scroll 40s linear infinite;
}

.funded-track:hover {
  animation-play-state: paused;
}

@keyframes carousel-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.funded-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all 0.25s;
  flex-shrink: 0;
  width: 280px;
}

.funded-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.funded-img {
  width: 100%;
  height: auto;
  display: block;
  background: var(--gray-200);
}

.funded-img-placeholder {
  width: 100%;
  height: 180px;
  background: linear-gradient(135deg, var(--navy-light), var(--gray-200));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 36px;
}

.funded-body {
  padding: 20px;
}

.funded-tag {
  display: inline-block;
  background: var(--navy-light);
  color: var(--navy);
  font-family: 'Poppins', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 100px;
  margin-bottom: 10px;
}

.funded-amount {
  font-family: 'Poppins', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.funded-location {
  font-size: 13px;
  color: var(--gray-400);
  display: flex;
  align-items: center;
  gap: 4px;
}

.funded-detail {
  display: flex;
  justify-content: space-between;
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--gray-200);
}

.funded-detail-item {
  text-align: center;
}

.funded-detail-item span {
  display: block;
  font-size: 11px;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 2px;
}

.funded-detail-item strong {
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--heading);
}

/* ========================================
   TEAM
   ======================================== */
.team-section {
  padding: 100px 0;
  background: var(--gray-100);
}

.team-header {
  text-align: center;
  margin-bottom: 60px;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 24px;
}

.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all 0.25s;
  text-align: center;
}

.team-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.team-photo {
  width: 100%;
  height: 240px;
  object-fit: cover;
  background: var(--gray-200);
}

.team-photo-placeholder {
  width: 100%;
  height: 240px;
  background: linear-gradient(160deg, var(--navy) 0%, var(--blue) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 56px;
  color: rgba(255,255,255,0.5);
}

.team-body {
  padding: 20px;
}

.team-name {
  font-family: 'Poppins', sans-serif;
  font-size: 17px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 4px;
}

.team-role {
  font-size: 13px;
  color: var(--blue);
  font-weight: 500;
  margin-bottom: 12px;
}

.team-bio {
  font-size: 13px;
  color: var(--gray-400);
  line-height: 1.65;
  margin-bottom: 12px;
}

.team-email {
  display: block;
  font-size: 12px;
  color: var(--blue);
  word-break: break-all;
  transition: color 0.2s;
}

.team-email:hover {
  color: var(--navy);
}

/* ========================================
   TEAM CARDS V2
   ======================================== */
.team-card-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  justify-content: center;
  align-items: flex-start;
}

.team-card-v2 {
  flex: 0 0 calc(33.333% - 16px);
  background: var(--white);
  border: 2px solid var(--navy);
  border-radius: 4px;
  overflow: hidden;
  cursor: pointer;
  transition: box-shadow 0.2s;
}

.team-card-v2:hover {
  box-shadow: 0 8px 32px rgba(1,55,119,0.15);
}

.team-card-photo-wrap {
  width: 100%;
  aspect-ratio: 3/4;
  overflow: hidden;
  background: var(--gray-200);
}

.team-card-photo-v2 {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top;
  display: block;
}

.team-card-info {
  padding: 16px 20px 18px;
}

.team-card-name {
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.team-card-role {
  font-size: 13px;
  color: var(--gray-400);
}

.team-card-bio {
  display: none;
  padding: 0 20px 20px;
  border-top: 1px solid var(--gray-200);
}

.team-card-v2.open .team-card-bio {
  display: block;
}

.team-card-bio p {
  font-size: 13px;
  color: var(--gray-400);
  line-height: 1.7;
  margin-bottom: 10px;
  margin-top: 14px;
}

.team-card-bio a {
  font-size: 12px;
  color: var(--blue);
}

@media (max-width: 900px) {
  .team-card-v2 {
    flex: 0 0 calc(50% - 12px);
  }
}

@media (max-width: 560px) {
  .team-card-v2 {
    flex: 0 0 100%;
  }
}

/* ========================================
   REFERRAL PARTNERS
   ======================================== */
.referral-section {
  padding: 100px 0;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}

.referral-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.referral-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.referral-info .section-label {
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.9);
}

.referral-info .section-title {
  color: var(--white);
}

.referral-info .section-sub {
  color: rgba(255,255,255,0.65);
  margin-bottom: 32px;
}

.referral-perks {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 36px;
}

.referral-perk {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.perk-icon {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.1);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
  margin-top: 2px;
}

.perk-text strong {
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 2px;
}

.perk-text span {
  font-size: 13px;
  color: rgba(255,255,255,0.6);
}

.referral-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-lg);
}

.referral-form-card .form-title {
  color: var(--navy);
  margin-bottom: 6px;
}

/* ========================================
   CTA BANNER
   ======================================== */
.cta-section {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--blue) 0%, #0063b4 100%);
  text-align: center;
}

.cta-title {
  font-family: 'Poppins', sans-serif;
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 14px;
}

.cta-sub {
  font-size: 18px;
  color: rgba(255,255,255,0.8);
  margin-bottom: 36px;
}

.cta-actions {
  display: flex;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
  background: #010f23;
  padding: 64px 0 28px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 28px;
}

.footer-brand .nav-logo-text {
  font-size: 20px;
  margin-bottom: 14px;
}

.footer-brand img {
  filter: brightness(0) invert(1);
}

.footer-desc {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  line-height: 1.75;
  margin-bottom: 20px;
}

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: rgba(255,255,255,0.6);
  margin-bottom: 8px;
}

.footer-col h4 {
  font-family: 'Poppins', sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  transition: color 0.2s;
}

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

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  color: rgba(255,255,255,0.35);
}

.footer-disclaimer {
  font-size: 12px;
  color: rgba(255,255,255,0.3);
  text-align: center;
  margin-top: 12px;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,0.05);
  line-height: 1.7;
}

/* ========================================
   MOBILE NAV DRAWER
   ======================================== */
.nav-drawer {
  display: none;
  position: fixed;
  top: 76px;
  left: 0;
  right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 24px;
  box-shadow: var(--shadow-lg);
  z-index: 999;
  flex-direction: column;
  gap: 4px;
}

.nav-drawer.open {
  display: flex;
}

.nav-drawer a {
  font-family: 'Poppins', sans-serif;
  font-size: 16px;
  font-weight: 500;
  color: var(--heading);
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-200);
  transition: color 0.2s;
}

.nav-drawer a:hover {
  color: var(--blue);
}

.nav-drawer .btn {
  margin-top: 12px;
  justify-content: center;
}

/* ========================================
   RESPONSIVE
   ======================================== */
@media (max-width: 1024px) {
  .loans-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .funded-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .team-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
  .top-bar-left {
    display: none;
  }
}

@media (max-width: 768px) {
  /* Nav — hide links, show hamburger + keep Get a Quote button */
  .nav-links {
    display: none;
  }
  .nav-actions {
    display: flex;
    gap: 8px;
  }
  .nav-actions .btn-outline {
    display: none; /* hide phone number, keep Get a Quote */
  }
  .nav-actions .btn-primary {
    font-size: 13px;
    padding: 10px 16px;
  }
  .hamburger {
    display: flex;
  }

  /* Hero — stacked, left-aligned */
  .hero-grid,
  .quote-grid,
  .referral-grid {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .hero {
    padding: 90px 0 0;
    text-align: left;
    overflow: visible;
  }
  .hero-subtitle,
  .section-sub {
    max-width: 100%;
  }
  .hero-actions {
    justify-content: flex-start;
  }
  .hero-stats {
    justify-content: flex-start;
    gap: 24px;
    flex-wrap: wrap;
  }
  .hero-bullets {
    margin-bottom: 24px;
  }

  /* "Real Estate Investors" always on its own line */
  .hero-title span {
    display: block;
  }

  /* Hero form card — full width, fully rounded */
  .hero-card {
    margin: 16px -8px 0;
    padding: 28px 20px;
    border-radius: 20px;
    box-shadow: 0 -4px 24px rgba(1,55,119,0.12);
  }
  .hero-card-label {
    text-align: left;
  }
  .hero-card-title {
    font-size: 28px;
    text-align: left;
  }
  .hero-card-sub {
    text-align: left;
  }
  .form-group label {
    text-align: left;
  }

  /* Always single-column form fields on mobile */
  .form-row {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .form-group {
    margin-bottom: 14px;
  }

  /* Trust bar hidden (duplicates hero bullets) */
  .trust-bar-section {
    display: none;
  }

  /* Grids */
  .loans-grid {
    grid-template-columns: 1fr;
  }
  .reviews-grid {
    grid-template-columns: 1fr;
  }
  .funded-grid {
    grid-template-columns: 1fr;
  }
  .team-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .top-bar {
    display: none;
  }

  /* Footer */
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .footer-bottom {
    flex-direction: column;
    gap: 8px;
    text-align: center;
  }
}

/* ========================================
   LOAN DETAIL CARDS (loans.html)
   ======================================== */
.loan-detail-card {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 32px;
  padding: 40px;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  transition: box-shadow 0.25s;
  scroll-margin-top: 100px;
}

.loan-detail-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.loan-detail-icon {
  font-size: 40px;
  width: 72px;
  height: 72px;
  background: var(--navy-light);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.loan-detail-title {
  font-family: 'Poppins', sans-serif;
  font-size: 22px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

.loan-detail-badge {
  font-size: 12px;
  font-weight: 500;
  background: var(--navy-light);
  color: var(--navy);
  padding: 3px 10px;
  border-radius: 100px;
}

.loan-detail-desc {
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.75;
  margin-bottom: 24px;
}

.loan-detail-highlights {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 12px;
  margin-bottom: 28px;
}

.loan-highlight {
  background: var(--gray-100);
  border-radius: 10px;
  padding: 12px 16px;
}

.loan-highlight strong {
  display: block;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 2px;
}

.loan-highlight span {
  font-size: 12px;
  color: var(--gray-400);
}

@media (max-width: 768px) {
  .loan-detail-card {
    grid-template-columns: 1fr;
    gap: 16px;
    padding: 24px;
  }
}

/* ========================================
   ANIMATIONS
   ======================================== */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}

.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ========================================
   LOAN PROGRAMS — Sidebar Tab Layout
   ======================================== */

.loan-tab {
  display: block;
  width: 100%;
  text-align: left;
  padding: 14px 20px;
  background: var(--gray-100);
  border: 1.5px solid transparent;
  border-radius: 10px;
  font-family: 'Poppins', sans-serif;
  font-size: 14px;
  font-weight: 500;
  color: var(--gray-500);
  cursor: pointer;
  transition: all 0.2s ease;
}

.loan-tab:hover {
  background: var(--gray-200);
  color: var(--navy);
}

.loan-tab.active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.loan-panel {
  display: none;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: 16px;
  padding: 48px;
  box-shadow: 0 4px 24px rgba(1,55,119,0.08);
}

.loan-panel.active {
  display: block;
}

.loan-panel-title {
  font-family: 'Poppins', sans-serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}

.loan-panel-desc {
  font-size: 16px;
  color: var(--gray-400);
  line-height: 1.8;
  margin-bottom: 32px;
}

.loan-panel-highlights {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-bottom: 36px;
}

@media (max-width: 900px) {
  .loan-panel-highlights { grid-template-columns: 1fr; }
  .loan-panel { padding: 28px; }
}

/* ========================================
   COMPREHENSIVE MOBILE FIXES
   ======================================== */
@media (max-width: 768px) {

  /* Container padding */
  .container {
    padding: 0 16px;
  }

  /* Page hero */
  .page-hero {
    padding: 100px 0 40px;
  }
  .page-hero-sub {
    font-size: 15px;
    padding: 0 8px;
  }

  /* Hero section */
  .hero {
    padding: 100px 0 48px;
    text-align: center;
  }
  .hero-title {
    font-size: clamp(28px, 8vw, 40px);
  }
  .hero-subtitle {
    font-size: 15px;
    margin: 0 auto 20px;
  }
  .hero-stats {
    gap: 20px;
    flex-wrap: wrap;
    justify-content: center;
  }
  .hero-stat-num {
    font-size: 22px;
  }
  .hero-actions {
    justify-content: center;
    gap: 10px;
  }
  .hero-actions .btn {
    font-size: 13px;
    padding: 11px 20px;
  }

  /* Trust bar */
  .trust-bar-items {
    padding: 12px 0;
    gap: 0;
  }
  .trust-bar-item {
    padding: 6px 12px;
    font-size: 12px;
  }
  .trust-bar-divider {
    display: none;
  }

  /* Section titles */
  .section-title {
    font-size: clamp(22px, 6vw, 30px);
  }

  /* Quote / form section */
  .quote-section {
    padding: 60px 0;
  }
  .quote-form-card {
    padding: 24px 16px;
  }

  /* Referral section */
  .referral-section {
    padding: 60px 0;
  }
  .referral-form-card {
    padding: 24px 16px;
  }

  /* Reviews section */
  .reviews-section {
    padding: 60px 0;
  }

  /* Team section */
  .team-section {
    padding: 60px 0;
  }

  /* Footer */
  .footer {
    padding: 48px 0 24px;
  }
  .footer-grid {
    gap: 28px;
  }

  /* Loans sidebar → stacks vertically on mobile */
  .loan-layout {
    flex-direction: column !important;
    gap: 20px !important;
  }
  .loan-sidebar {
    width: 100% !important;
    position: static !important;
    flex-direction: row !important;
    flex-wrap: wrap !important;
    gap: 8px !important;
  }
  .loan-tab {
    width: auto !important;
    flex: 0 0 auto;
    padding: 10px 14px;
    font-size: 13px;
    border-radius: 8px;
  }
  .loan-content {
    width: 100%;
  }
  .loan-panel {
    padding: 24px 16px;
  }
  .loan-panel-title {
    font-size: 22px;
  }
  .loan-panel-desc {
    font-size: 14px;
  }

  /* About page — perks grid stacks on mobile */
  .about-perks-grid {
    grid-template-columns: 1fr !important;
  }

  /* Buttons on mobile */
  .btn-lg {
    padding: 14px 24px;
    font-size: 15px;
  }
}