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

body {
    font-family: 'Segoe UI', sans-serif;
    color: #222;
}

/* ================== TOP STRIP ================== */
.top-strip {
    background: #f6efe4;
    padding: 8px 20px;
    text-align: center;
    font-size: 14px;
    color: #7a5a34;
}

.top-strip strong {
    font-weight: 600;
}

.top-strip a {
    color: #bf996a;
    font-weight: 600;
    text-decoration: underline;
}

/* ================== NAVBAR ================== */
.navbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 8%;
    background: #fff;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    position: relative;
    z-index: 999;
}

.logo img {
    height: 60px;
}

/* CENTER MENU */
.nav-menu {
    display: flex;
    gap: 35px;
    list-style: none;
}

.nav-menu a {
    text-decoration: none;
    color: #333;
    font-weight: 500;
    transition: 0.3s;
}

.nav-menu a:hover {
    color: #bf996a;
}

.mail-btn {
    display: inline-block;
    padding: 10px 24px;
    border-radius: 30px;
    border: 1.5px solid #264f51;
    background: transparent;
    font-weight: 500;
    cursor: pointer;
    transition: 0.3s;
    text-decoration: none;
    color: #264f51;
}

.mail-btn:hover {
    background: #264f51;
    color: #fff;
}

/* ================== HAMBURGER ================== */
.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
}

.hamburger span {
    width: 28px;
    height: 3px;
    background: #264f51;
    margin: 5px 0;
    transition: 0.4s;
}

/* ================== HERO SECTION ================== */
.hero {
    height: 90vh;
    background: url('/images/hero-4.jpg') center -30px/cover no-repeat;
    display: flex;
    align-items: flex-end;
    /* content bottom side */
    justify-content: center;
    text-align: center;
    position: relative;
    color: #fff;
    padding-bottom: 100px;
    /* push content slightly up from bottom */
}

/* Overlay only from middle to bottom */
.hero::before {
    content: "";
    position: absolute;
    width: 100%;
    height: 100%;
    /* overlay only lower portion */
    bottom: 0;
    left: 0;
    background: linear-gradient(to top,
            rgba(0, 0, 0, 0.85),
            rgba(0, 0, 0, 0.6),
            rgba(0, 0, 0, 0.0));
}

.hero-content {
    position: relative;
    max-width: 950px;
    padding: 20px;
}

.hero h1 {
    font-size: 56px;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 35px;
}

.hero-btn {
    display: inline-block;
    background: #264f51;
    padding: 18px 40px;
    border-radius: 50px;
    font-size: 18px;
    font-weight: 600;
    color: #fff;
    text-decoration: none;
    transition: 0.3s;
}

.hero-btn:hover {
    background: #bf996a;
}

/* ================== RESPONSIVE ================== */
@media(max-width:992px) {
    .hero h1 {
        font-size: 42px;
    }
}

@media(max-width:768px) {

    .nav-menu {
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background: #fff;
        flex-direction: column;
        align-items: center;
        padding: 25px 0;
        gap: 20px;
        display: none;
    }

    .nav-menu.active {
        display: flex;
    }

    .mail-btn {
        display: none;
    }

    .hamburger {
        display: flex;
    }

    .hero {
        height: 80vh;
    }

    .hero h1 {
        font-size: 32px;
    }
}

@media(max-width:480px) {
    .hero h1 {
        font-size: 26px;
    }
}





/* ================= ICON ABOUT SECTION ================= */

.about-icon-section {
    padding: 110px 8%;
    background: #f8f9f7;
    text-align: center;
}

.about-heading {
    max-width: 750px;
    margin: auto;
    margin-bottom: 70px;
}

.about-heading h5 {
    color: #bf996a;
    letter-spacing: 2px;
    font-size: 14px;
    margin-bottom: 15px;
}

.about-heading h2 {
    font-size: 40px;
    color: #264f51;
    margin-bottom: 20px;
}

.about-heading p {
    font-size: 16px;
    color: #555;
    line-height: 1.7;
}

/* GRID */
.about-icon-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    margin-bottom: 60px;
}

.about-card {
    background: #ffffff;
    padding: 40px 30px;
    border-radius: 16px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
    transition: 0.3s;
}

.about-card:hover {
    transform: translateY(-10px);
}

/* ICON STYLE */
.icon-box {
    width: 70px;
    height: 70px;
    margin: auto;
    margin-bottom: 20px;
    background: #264f51;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 26px;
}

/* TEXT */
.about-card h4 {
    font-size: 18px;
    margin-bottom: 12px;
    color: #264f51;
}

.about-card p {
    font-size: 15px;
    color: #666;
    line-height: 1.6;
}

/* BUTTON */
.about-icon-btn {
    display: inline-block;
    padding: 16px 40px;
    background: #bf996a;
    color: #fff;
    border-radius: 40px;
    text-decoration: none;
    font-weight: 600;
    transition: 0.3s;
}

.about-icon-btn:hover {
    background: #a67c4e;
}

/* RESPONSIVE */
@media(max-width:992px) {
    .about-icon-grid {
        grid-template-columns: 1fr;
    }

    .about-heading h2 {
        font-size: 30px;
    }
}









.services-full {
    padding: 90px 20px;
    background: #f8f9f6;
}

.services-header {
    text-align: center;
    max-width: 800px;
    margin: auto;
    margin-bottom: 60px;
}

.services-header h2 {
    font-size: 38px;
    color: #264f51;
    margin-bottom: 15px;
}

.services-header p {
    font-size: 16px;
    color: #555;
    line-height: 1.7;
}

/* GRID */
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
    max-width: 1100px;
    margin: auto;
}

/* CARD STYLE */
.service-card {
    background: #ffffff;
    padding: 35px 25px;
    text-align: center;
    border-radius: 16px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
    transition: 0.3s ease;
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.1);
}

.service-card i {
    font-size: 32px;
    color: #bf996a;
    margin-bottom: 18px;
}

.service-card h3 {
    font-size: 18px;
    color: #264f51;
    margin-bottom: 10px;
}

.service-card p {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
}

/* RESPONSIVE */
@media(max-width: 992px) {
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media(max-width: 768px) {
    .services-grid {
        grid-template-columns: 1fr;
    }
}









.how-section {
    padding: 90px 20px;
    background: #f8f9f6;
}

.how-header {
    text-align: center;
    max-width: 800px;
    margin: auto;
    margin-bottom: 60px;
}

.how-header h2 {
    font-size: 38px;
    color: #264f51;
    margin-bottom: 15px;
}

.how-header p {
    font-size: 16px;
    color: #555;
    line-height: 1.7;
}

/* GRID */
.how-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
    max-width: 1100px;
    margin: auto;
}

/* CARD */
.how-card {
    background: #ffffff;
    padding: 30px 20px;
    text-align: center;
    border-radius: 16px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
    transition: 0.3s ease;
}

.how-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.1);
}

.how-icon {
    width: 65px;
    height: 65px;
    background: #264f51;
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 18px;
    font-size: 26px;
}

.how-card h3 {
    font-size: 18px;
    color: #264f51;
    margin-bottom: 10px;
}

.how-card p {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
}

/* RESPONSIVE */
@media(max-width: 992px) {
    .how-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

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






.voices-premium {
    padding: 90px 20px;
    background: #f8f9f6;
}

.voices-header {
    text-align: center;
    max-width: 800px;
    margin: auto;
    margin-bottom: 60px;
}

.voices-header h2 {
    font-size: 38px;
    color: #264f51;
    margin-bottom: 15px;
}

.voices-header p {
    font-size: 16px;
    color: #555;
    line-height: 1.7;
}

/* GRID */
.voices-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
    max-width: 1100px;
    margin: auto;
}

/* CARD */
.voice-card {
    background: #ffffff;
    padding: 30px 25px;
    text-align: center;
    border-radius: 16px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
    border-top: 4px solid #bf996a;
    transition: 0.3s ease;
}

.voice-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.1);
}

/* QUOTE ICON */
.quote-icon {
    font-size: 40px;
    color: #bf996a;
    margin-bottom: 15px;
}

.voice-card p {
    font-size: 15px;
    color: #555;
    line-height: 1.7;
    margin-bottom: 15px;
}

.voice-card h4 {
    font-size: 14px;
    color: #264f51;
    font-weight: 600;
}

/* RESPONSIVE */
@media(max-width: 992px) {
    .voices-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

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






.faq-accordion {
    padding: 90px 20px;
    background: #f8f9f6;
}

.faq-header {
    text-align: center;
    max-width: 800px;
    margin: auto;
    margin-bottom: 50px;
}

.faq-header h2 {
    font-size: 38px;
    color: #264f51;
    margin-bottom: 10px;
}

.faq-header p {
    font-size: 16px;
    color: #555;
}

/* WRAPPER */
.faq-wrapper {
    max-width: 900px;
    margin: auto;
}

/* ITEM */
.faq-item {
    margin-bottom: 15px;
    border-radius: 14px;
    overflow: hidden;
    background: #ffffff;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
}

/* QUESTION */
.faq-question {
    width: 100%;
    background: #ffffff;
    border: none;
    padding: 18px 20px;
    text-align: left;
    font-size: 16px;
    font-weight: 600;
    color: #264f51;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.faq-question span {
    font-size: 22px;
    color: #bf996a;
    transition: 0.3s;
}

/* ANSWER */
.faq-answer {
    padding: 18px 20px;
    font-size: 14px;
    color: #555;
    line-height: 1.6;
    display: none;
}

/* ACTIVE STATE */
.faq-item.active .faq-answer {
    display: block;
}

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







.footer-modern {
    background: #f8f9f6;
    padding: 60px 20px;
    border-top: 1px solid #e0e0e0;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
    max-width: 1100px;
    margin: auto;
}

.footer-brand h3 {
    font-size: 22px;
    color: #264f51;
    margin-bottom: 10px;
}

.footer-brand p {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
}

.footer-links h4,
.footer-social h4 {
    font-size: 18px;
    color: #264f51;
    margin-bottom: 15px;
}

.footer-links a {
    display: block;
    color: #555;
    text-decoration: none;
    margin-bottom: 8px;
    font-size: 14px;
}

.footer-links a:hover {
    color: #bf996a;
}

/* SOCIAL */
.social-icons {
    display: flex;
    gap: 12px;
    margin-bottom: 10px;
}

.social-icons a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: #264f51;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    transition: 0.3s;
}

.social-icons a:hover {
    background: #bf996a;
}

.footer-social p {
    font-size: 14px;
    color: #555;
}

/* DISCLAIMER */
.footer-disclaimer {
    margin-top: 40px;
    padding-top: 20px;
    border-top: 1px solid #e0e0e0;
    text-align: center;
}

.footer-disclaimer p {
    font-size: 13px;
    color: #666;
    line-height: 1.6;
}

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

    .social-icons {
        justify-content: center;
    }
}






.footer-cta {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    background: #bf996a;
    text-align: center;
    padding: 14px 10px;
    z-index: 999;
}

.footer-cta a {
    color: #ffffff;
    font-size: 18px;
    font-weight: 500;
    text-decoration: none;
    letter-spacing: 0.3px;
}

.footer-cta a:hover {
    color: #264f51;
}






.priority-help {
    padding: 80px 20px;
    background: #f8f9f6;
}

.priority-help h2 {
    text-align: center;
    font-size: 28px;
    color: #264f51;
    margin-bottom: 40px;
}

/* STEPS CARD */
.steps-card {
    max-width: 900px;
    margin: auto;
    background: #ffffff;
    padding: 30px;
    border-radius: 16px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.06);
    margin-bottom: 25px;
}

.steps-card h3 {
    font-size: 20px;
    color: #264f51;
    margin-bottom: 15px;
}

.steps-card ul {
    padding-left: 20px;
    margin-bottom: 25px;
}

.steps-card ul li {
    font-size: 15px;
    color: #555;
    margin-bottom: 10px;
    line-height: 1.6;
}

/* PAY BUTTON */
.pay-btn {
    display: inline-block;
    padding: 12px 28px;
    background: #264f51;
    color: #ffffff;
    text-decoration: none;
    border-radius: 30px;
    font-weight: 600;
    transition: 0.3s;
}

.pay-btn:hover {
    background: #1d3f41;
}

/* NOTE BOX */
.note-box {
    max-width: 900px;
    margin: 20px auto;
    background: #e7f0ff;
    padding: 15px 20px;
    border-left: 4px solid #3b82f6;
    border-radius: 8px;
    font-size: 14px;
    color: #333;
}

.note-box span {
    font-weight: 600;
    color: #264f51;
}

/* INFO CARD */
.info-card {
    max-width: 900px;
    margin: 20px auto;
    background: #ffffff;
    padding: 20px;
    border-radius: 12px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.04);
}

.info-card h3 {
    font-size: 18px;
    color: #264f51;
    margin-bottom: 8px;
}

.info-card p {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
}



.help-faq {
    padding: 70px 20px;
    background: #f8f9f6;
}

.help-faq h2 {
    text-align: center;
    font-size: 28px;
    color: #264f51;
    margin-bottom: 40px;
}

.faq-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 25px;
    max-width: 1100px;
    margin: auto;
}

.faq-card {
    background: #ffff;
    padding: 20px;
    border-radius: 14px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.04);
    transition: 0.3s ease;
}

.faq-card:hover {
    transform: translateY(-6px);
}

.faq-card h3 {
    font-size: 18px;
    color: #264f51;
    margin-bottom: 8px;
}

.faq-card p {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
}

/* RESPONSIVE */
@media(max-width: 768px) {
    .faq-grid {
        grid-template-columns: 1fr;
    }
}








.payment-confirmed {
    padding: 80px 20px;
    background: #f8f9f6;
    text-align: center;
}

.confirm-card {
    max-width: 600px;
    margin: auto;
    background: #ffffff;
    padding: 50px 30px;
    border-radius: 16px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
}

.confirm-icon {
    font-size: 60px;
    color: #28a745;
    margin-bottom: 20px;
}

.confirm-card h1 {
    font-size: 32px;
    color: #264f51;
    margin-bottom: 10px;
}

.confirm-card p {
    font-size: 15px;
    color: #555;
    line-height: 1.7;
}






.next-steps {
    padding: 70px 20px;
    background: #ffffff;
}

.next-steps h2 {
    text-align: center;
    font-size: 26px;
    color: #264f51;
    margin-bottom: 40px;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    max-width: 1100px;
    margin: auto;
}

.step-card {
    background: #f8f9f6;
    padding: 20px;
    border-radius: 14px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.04);
    text-align: center;
}

.step-card h3 {
    font-size: 18px;
    color: #264f51;
    margin-bottom: 8px;
}

.step-card p {
    font-size: 14px;
    color: #555;
    line-height: 1.6;
}

/* RESPONSIVE */
@media(max-width: 992px) {
    .steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

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






.support-section {
    padding: 60px 20px;
    background: #f8f9f6;
    text-align: center;
}

.support-card {
    max-width: 700px;
    margin: auto;
    background: #ffffff;
    padding: 35px 25px;
    border-radius: 16px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
}

.support-card h2 {
    font-size: 24px;
    color: #264f51;
    margin-bottom: 10px;
}

.support-card p {
    font-size: 15px;
    color: #555;
    line-height: 1.7;
    margin-bottom: 20px;
}

.support-btn {
    display: inline-block;
    padding: 12px 28px;
    background: #264f51;
    color: #ffffff;
    text-decoration: none;
    border-radius: 30px;
    font-weight: 600;
    transition: 0.3s;
}

.support-btn:hover {
    background: #1d3f41;
}












/* Section Background */
.loanifyr-rs-section {
    background-color: #f8f9f7;
    padding: 60px 15px;
}

/* Top Banner Wrapper */
.loanifyr-top-banner-wrapper {
    display: flex;
    justify-content: center;
    margin-bottom: 40px;
}

.loanifyr-top-banner {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background-color: #264f51;
    color: #bf996a;
    font-weight: 600;
    padding: 10px 18px;
    border-radius: 10px;
    max-width: 850px;
    font-size: 0.85rem;
    letter-spacing: 0.3px;
    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
    text-align: center;
}

.loanifyr-top-banner i {
    font-size: 1.2rem;
}

/* Container for Cards + Form */
.loanifyr-rs-container {
    display: flex;
    flex-wrap: wrap;
    max-width: 1200px;
    margin: 0 auto;
    gap: 30px;
    padding: 0 15px;
}

/* Left Cards Grid */
.loanifyr-rs-left {
    flex: 1 1 20%; /* left side for cards */
    display: grid;
    grid-template-columns: repeat(1, 1fr);
    gap: 25px;
}

/* Card Design */
.rs-card {
    background-color: #264f51; /* main color */
    border: 2px solid #bf996a; /* accent border */
    color: #fff;
    border-radius: 16px;
    padding: 25px 20px;
    text-align: center;
    transition: transform 0.4s, box-shadow 0.4s, background 0.4s, color 0.4s, border-color 0.4s;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    box-shadow: 0 6px 20px rgba(0,0,0,0.1);
}

.rs-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 20px 30px rgba(0,0,0,0.2);
    background-color: #bf996a;
    color: #264f51;
    border-color: #264f51;
}

/* Icon Styling */
.rs-card-icon {
    font-size: 50px;
    margin-bottom: 15px;
    color: #bf996a;
    transition: color 0.4s;
}

.rs-card:hover .rs-card-icon {
    color: #264f51;
}

/* Heading & Description */
.rs-card h3 {
    font-size: 1.25rem;
    margin-bottom: 12px;
    font-weight: 700;
}

.rs-card p {
    font-size: 0.95rem;
    line-height: 1.4;
}

/* Right Zoho Form */
.loanifyr-rs-right {
    flex: 1 1 40%; /* wider form */
    background: #fff;
    border-radius: 16px;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.1);
    overflow-y:auto;
    padding: 10px;
    max-height: 1330px;
}

/* Optional scroll styling */
.loanifyr-rs-right::-webkit-scrollbar {
    width: 8px;
}

.loanifyr-rs-right::-webkit-scrollbar-thumb {
    background-color: rgba(38, 79, 81, 0.6);
    border-radius: 4px;
}

/* Responsive */
@media (max-width: 900px) {
    .loanifyr-rs-container {
        flex-direction: column;
    }

    .loanifyr-rs-left {
        grid-template-columns: 1fr;
    }

    .loanifyr-rs-right {
        flex: 1 1 100%;
        max-height: none;
        margin-top: 30px;
    }
}