/* =========================================
   RESET
========================================= */

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

html{
  scroll-behavior:smooth;
}

body{
  font-family:Arial, Helvetica, sans-serif;
  background:#fff;
  color:#111;
  overflow-x:hidden;
}

/* =========================================
   GLOBAL
========================================= */

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

.container{
  width:90%;
  max-width:1200px;
  margin:auto;
}

/* =========================================
   HEADER
========================================= */

header{
  position:sticky;
  top:0;
  z-index:1000;
  background:#fff;
  border-bottom:1px solid #eee;
}

.nav{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:18px 0;
  position:relative;
}

.logo{
  height:20px;
}

/* NAV LINKS */

.nav-links{
  display:flex;
  align-items:center;
  gap:30px;
}

.nav-links a{
  text-decoration:none;
  color:#111;
  font-size:14px;
  font-weight:600;
  transition:0.3s;
}

.nav-links a:hover{
  color:#2563eb;
}

/* LOGIN */

.login{
  background:#2563eb;
  color:#fff !important;
  padding:10px 18px;
  border-radius:4px;
}

/* DROPDOWN */

.dropdown{
  position:relative;
}

.dropdown-menu{
  position:absolute;
  top:120%;
  left:0;
  background:#fff;
  min-width:220px;
  padding:10px 0;
  border-radius:6px;
  box-shadow:0 10px 25px rgba(0,0,0,0.08);

  opacity:0;
  visibility:hidden;
  transform:translateY(10px);
  transition:0.3s;
}

.dropdown-menu a{
  display:block;
  padding:12px 18px;
  font-size:14px;
}

.dropdown-menu a:hover{
  background:#f5f5f5;
}

.dropdown:hover .dropdown-menu{
  opacity:1;
  visibility:visible;
  transform:translateY(0);
}

/* HAMBURGER */

.menu-toggle{
  display:none;
  font-size:30px;
  cursor:pointer;
}

/* =========================================
   HERO
========================================= */

.hero{
  background:#2f3146;
  color:#fff;
  overflow:hidden;
}

.hero-container{
  max-width:1400px;
  margin:auto;
  display:flex;
  align-items:center;
  justify-content:space-between;
  min-height:650px;
  padding:80px;
  gap:50px;
}

.hero-left{
  flex:1;
}

.hero-eyebrow{
  font-size:20px;
  margin-bottom:20px;
}

.hero-title{
  font-size:90px;
  line-height:0.95;
  font-weight:800;
  margin-bottom:30px;
}

.hero-description{
  font-size:20px;
  line-height:1.7;
  color:#d6d6dc;
  max-width:550px;
  margin-bottom:40px;
}

.hero-btn{
  display:inline-flex;
  align-items:center;
  gap:10px;
  border:2px solid #2563eb;
  color:#2563eb;
  padding:14px 24px;
  text-decoration:none;
  font-weight:700;
  transition:0.3s;
}

.hero-btn:hover{
  background:#2563eb;
  color:#fff;
}

.hero-right{
  flex:1;
  position:relative;
}

.pattern{
  position:absolute;
  inset:0;
  background:
  repeating-linear-gradient(
    60deg,
    transparent,
    transparent 20px,
    rgba(37,99,235,0.3) 20px,
    rgba(37,99,235,0.3) 24px
  );
}

.hero-right img{
  position:relative;
  z-index:2;
  max-height:560px;
}

/* =========================================
   FEATURES
========================================= */

.features{
  background:#f4f4f7;
  padding:100px 20px;
  text-align:center;
}

.features-container{
  max-width:1100px;
  margin:auto;
}

.features-eyebrow{
  font-size:18px;
  margin-bottom:10px;
}

.features-title{
  font-size:54px;
  color:#2563eb;
  margin-bottom:25px;
}

.features-subtext{
  max-width:650px;
  margin:auto auto 60px;
  color:#666;
  line-height:1.7;
}

.features-grid{
  display:flex;
  justify-content:center;
  gap:60px;
  flex-wrap:wrap;
}

.feature-card{
  max-width:260px;
}

.icon-box{
  width:160px;
  height:160px;
  margin:0 auto 20px;
  background:#fff;
  border:1px solid #ccc;
  display:flex;
  align-items:center;
  justify-content:center;
}

.icon-circle{
  width:120px;
  height:120px;
  border-radius:50%;
  background:#f2f2f2;
  display:flex;
  align-items:center;
  justify-content:center;
}

.icon-circle img{
  width:80px;
}

.feature-card h4{
  margin-bottom:10px;
  font-size:15px;
}

.feature-card p{
  font-size:14px;
  line-height:1.6;
  color:#666;
}

.features-btn{
  margin-top:50px;
  display:inline-flex;
  align-items:center;
  gap:10px;
  text-decoration:none;
  border:2px solid #2563eb;
  color:#2563eb;
  padding:14px 24px;
  font-weight:700;
  transition:0.3s;
}

.features-btn:hover{
  background:#2563eb;
  color:#fff;
}

/* =========================================
   LOAN INFO
========================================= */

.loan-info{
  padding:120px 20px;
  text-align:center;
}

.loan-box{
  max-width:600px;
  margin:auto;
  background:#e7e7eb;
  padding:60px;
  text-align:left;
}

.loan-box h5{
  margin-bottom:10px;
}

.loan-box h2{
  font-size:50px;
  color:#2563eb;
  line-height:1.1;
  margin-bottom:20px;
}

.loan-box p{
  color:#666;
  line-height:1.6;
}

.loan-stats{
  max-width:900px;
  margin:-60px auto 0;
}

.stat{
  padding:35px;
  text-align:center;
  color:#fff;
}

.stat h3{
  font-size:36px;
}

.stat-blue{
  background:#2563eb;
}

.stat-dark{
  background:#2f3146;
}

.stat-gray{
  background:#5f6473;
}

/* =========================================
   RATES
========================================= */

.rates-section{
  padding:100px 20px;
}

.title{
  font-size:48px;
  margin-bottom:50px;
}

.state{
  color:#2563eb;
}

.info-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:40px;
}

.label{
  font-size:13px;
  margin-bottom:10px;
}

.value{
  color:#2563eb;
  font-weight:700;
}

/* =========================================
   STEPS
========================================= */

.steps-section{
  background:#2f3146;
  color:#fff;
  text-align:center;
  padding:100px 20px;
}

.heading .small{
  font-size:20px;
}

.heading .highlight{
  font-size:44px;
  color:#2563eb;
}

.subtext{
  margin:20px auto 60px;
  color:#ccc;
}

.steps-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:40px;
}

.circle{
  width:140px;
  height:140px;
  border-radius:50%;
  background:#e7e7eb;
  margin:0 auto 20px;
  display:flex;
  align-items:center;
  justify-content:center;
}

.circle img{
  width:90px;
}

/* =========================================
   TESTIMONIALS
========================================= */

.testimonials{
  background:#f5f5f5;
  padding:80px 20px;
}

.content{
  display:flex;
  gap:40px;
  align-items:flex-start;
}

.summary{
  min-width:220px;
}

.reviews-wrapper{
  display:flex;
  gap:30px;
  flex-wrap:wrap;
}

.review{
  background:#fff;
  padding:20px;
  border-radius:8px;
  flex:1;
  min-width:250px;
}

/* =========================================
   BENEFITS
========================================= */

.benefits{
  padding:100px 20px;
  text-align:center;
}

.subtitle{
  font-size:20px;
}

.description{
  max-width:700px;
  margin:20px auto 60px;
  color:#666;
  line-height:1.7;
}

.cards{
  display:flex;
  justify-content:center;
  gap:50px;
  flex-wrap:wrap;
}

.card{
  max-width:300px;
}

/* =========================================
   CTA
========================================= */

.cta-banner{
  background:#2563eb;
  color:#fff;
  padding:70px 20px;
}

.cta-container{
  max-width:1100px;
  margin:auto;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:40px;
}

.cta-text p{
  font-size:24px;
  margin-bottom:20px;
}

.cta-text button{
  padding:14px 24px;
  border:1px solid #fff;
  background:transparent;
  color:#fff;
  cursor:pointer;
}

.cta-image img{
  max-height:180px;
}

/* =========================================
   BLOG
========================================= */

.blog{
  background:#f5f5f5;
  padding:100px 20px;
  text-align:center;
}

.blog-title{
  color:#2563eb;
  font-size:48px;
  margin-bottom:50px;
}

.blog-cards{
  display:flex;
  justify-content:center;
  gap:30px;
  flex-wrap:wrap;
}

.blog-card{
  width:320px;
  background:#fff;
  border-radius:8px;
  overflow:hidden;
}

.blog-card img{
  height:180px;
  object-fit:cover;
  width:100%;
}

.card-content{
  padding:20px;
  text-align:left;
}

.card-content h4{
  margin-bottom:10px;
}

.card-content p{
  margin-bottom:15px;
  color:#666;
  line-height:1.6;
}

.blog-btn{
  margin-top:40px;
  background:#2f3146;
  color:#fff;
  border:none;
  padding:14px 24px;
  cursor:pointer;
}

/* =========================================
   FOOTER
========================================= */

.finance-footer{
  background:#2f3146;
  color:#fff;
  padding:80px 20px;
}

.footer-logo{
  margin-bottom:40px;
}

.footer-logo img{
  height:22px;
}

.footer-columns{
  display:grid;
  grid-template-columns:repeat(5,1fr);
  gap:40px;
}

.footer-col h4{
  margin-bottom:20px;
  font-size:13px;
}

.footer-col a{
  display:block;
  color:#ccc;
  text-decoration:none;
  margin-bottom:10px;
  font-size:14px;
}

.footer-col a:hover{
  color:#fff;
}

/* =========================================
   RESPONSIVE
========================================= */

@media (max-width:1100px){

  .hero-container{
    padding:60px 40px;
  }

  .hero-title{
    font-size:70px;
  }

  .footer-columns{
    grid-template-columns:repeat(3,1fr);
  }

}

@media (max-width:992px){

  .menu-toggle{
    display:block;
  }

  .nav-links{
    position:absolute;
    top:100%;
    left:0;
    width:100%;
    background:#fff;

    flex-direction:column;
    align-items:flex-start;

    padding:20px;

    opacity:0;
    visibility:hidden;
    transform:translateY(-10px);

    transition:0.3s;
  }

  .nav-links.active{
    opacity:1;
    visibility:visible;
    transform:translateY(0);
  }

  .dropdown-menu{
    position:static;
    opacity:1;
    visibility:visible;
    transform:none;
    box-shadow:none;
    display:none;
    padding-left:15px;
  }

  .dropdown:hover .dropdown-menu{
    display:block;
  }

  .hero-container{
    flex-direction:column;
    text-align:center;
    min-height:auto;
  }

  .hero-description{
    margin:auto auto 40px;
  }

  .features-grid,
  .steps-grid,
  .cards,
  .blog-cards,
  .info-grid{
    grid-template-columns:1fr;
    display:grid;
    justify-items:center;
  }

  .content,
  .cta-container{
    flex-direction:column;
    text-align:center;
  }

  .footer-columns{
    grid-template-columns:repeat(2,1fr);
  }

}

@media (max-width:768px){

  .hero-title{
    font-size:52px;
  }

  .features-title,
  .title,
  .blog-title{
    font-size:36px;
  }

  .loan-box h2{
    font-size:38px;
  }

  .heading .highlight{
    font-size:34px;
  }

  .cta-text p{
    font-size:20px;
  }

  .footer-columns{
    grid-template-columns:1fr;
  }

}

@media (max-width:576px){

  .hero-container{
    padding:40px 20px;
  }

  .hero-title{
    font-size:40px;
  }

  .hero-description{
    font-size:16px;
  }

  .features-title,
  .title{
    font-size:30px;
  }

  .hero-btn,
  .features-btn{
    width:100%;
    justify-content:center;
  }

  .icon-box{
    width:140px;
    height:140px;
  }

  .icon-circle{
    width:100px;
    height:100px;
  }

  .circle{
    width:110px;
    height:110px;
  }

  .circle img{
    width:70px;
  }

  .blog-card{
    width:100%;
  }

}