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

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

html{
  scroll-behavior:smooth;
}

body{
  font-family:Arial, sans-serif;
  background:#fff;
  color:#1a1a1a;
  overflow-x:hidden;
}

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

a{
  text-decoration:none;
}

/* =========================================
   CONTAINER
========================================= */

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

.center{
  text-align:center;
}

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

header{
  background:rgba(255,255,255,0.96);
  backdrop-filter:blur(10px);
  position:sticky;
  top:0;
  z-index:1000;
  border-bottom:1px solid #eee;
}

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

.logo{
  height:22px;
}

/* NAV LINKS */

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

.nav-links a{
  color:#111;
  font-size:14px;
  font-weight:600;
  transition:0.3s ease;
}

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

/* LOGIN */

.login{
  background:#2563eb;
  color:#fff !important;
  padding:10px 18px;
  border-radius:6px;
}

/* DROPDOWN */

.dropdown{
  position:relative;
}

.dropdown-menu{
  position:absolute;
  top:120%;
  left:0;

  background:#fff;
  min-width:220px;

  border-radius:10px;

  box-shadow:0 10px 25px rgba(0,0,0,0.08);

  padding:10px 0;

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

  transition:0.3s ease;

  z-index:999;
}

.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);
}

/* MENU TOGGLE */

.menu-toggle{
  display:none;
  font-size:32px;
  cursor:pointer;
}

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

.hero{
  background:#2f3146;
  padding:110px 0;
}

.hero-subtitle{
  color:#fff;
  font-size:14px;
  letter-spacing:1px;
  margin-bottom:15px;
}

.hero-title{
  font-size:64px;
  line-height:1.1;
  color:#2563eb;
  margin-bottom:25px;
  font-weight:800;
}

.hero-text{
  color:#d1d1d8;
  line-height:1.7;
  margin-bottom:35px;
  font-size:15px;
}

.btn-outline{
  display:inline-block;
  padding:14px 24px;
  border:2px solid #2563eb;
  color:#2563eb;
  background:#fff;
  font-size:13px;
  font-weight:700;
  transition:0.3s ease;
}

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

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

.features{
  background:#f2f2f2;
  padding:100px 0;
}

.features-subtitle{
  font-size:18px;
  font-weight:700;
  margin-bottom:10px;
}

.features-title{
  font-size:42px;
  color:#2563eb;
  margin-bottom:20px;
}

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

.features-grid{
  display:flex;
  justify-content:center;
  gap:40px;
  flex-wrap:wrap;
}

.feature{
  flex:1;
  min-width:260px;
  max-width:320px;
}

.icon-circle{
  width:140px;
  height:140px;
  background:#e5e5e5;
  border-radius:50%;
  margin:0 auto 20px;

  display:flex;
  align-items:center;
  justify-content:center;
}

.icon-circle img{
  width:95px;
}

.feature h3{
  font-size:16px;
  margin-bottom:12px;
}

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

.btn-solid{
  display:inline-block;
  margin-top:50px;
  background:#2563eb;
  color:#fff;
  padding:14px 24px;
  font-size:13px;
  font-weight:700;
}

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

.loan-info{
  padding:120px 20px 200px;
  text-align:center;
  position:relative;
}

.loan-box{
  background:#e4e4ea;
  max-width:650px;
  margin:auto;
  padding:60px 60px 140px;
  text-align:left;
}

.loan-box h5{
  margin-bottom:15px;
}

.loan-box h2{
  font-size:48px;
  color:#2563eb;
  line-height:1.1;
  margin-bottom:20px;
}

.loan-box p{
  color:#666;
  line-height:1.7;
}

/* STATS */

.loan-stats{
  max-width:900px;
  margin:-80px auto 0;
  box-shadow:0 10px 30px rgba(0,0,0,0.1);
}

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

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

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

.stat-gray{
  background:#5f6470;
}

.stat small{
  display:block;
  margin-bottom:10px;
}

.stat h3{
  font-size:38px;
  margin-bottom:8px;
}

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

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

.eyebrow{
  margin-bottom:15px;
  font-size:14px;
}

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

.state{
  color:#2563eb;
}

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

.label{
  margin-bottom:10px;
  color:#555;
}

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

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

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

.heading .small{
  font-size:22px;
}

.heading .highlight{
  color:#2563eb;
  font-size:42px;
}

.subtext{
  margin:25px 0 60px;
  color:#d1d1d8;
}

.steps-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:50px;
}

.step{
  max-width:300px;
  margin:auto;
}

.circle{
  width:140px;
  height:140px;
  border-radius:50%;
  background:#e5e5e5;
  margin:0 auto 25px;

  display:flex;
  align-items:center;
  justify-content:center;
}

.circle img{
  width:95px;
}

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

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

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

.summary{
  width:260px;
}

.stars{
  background:#00b67a;
  color:#fff;
  padding:8px 12px;
  display:inline-block;
  margin:15px 0;
}

.reviews-wrapper{
  display:flex;
  gap:30px;
  flex:1;
}

.review{
  background:#fff;
  padding:25px;
  border-radius:8px;
  box-shadow:0 3px 10px rgba(0,0,0,0.08);
}

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

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

.subtitle{
  font-size:22px;
  margin-bottom:10px;
}

.description{
  max-width:700px;
  margin:0 auto 60px;
  line-height:1.7;
  color:#666;
}

.cards{
  display:flex;
  justify-content:center;
  gap:40px;
  flex-wrap:wrap;
}

.card{
  max-width:300px;
}

.icon-box{
  width:180px;
  height:180px;
  margin:0 auto 25px;

  display:flex;
  align-items:center;
  justify-content:center;

  background:#fff;

  border:1px solid #ddd;

  box-shadow:0 4px 10px rgba(0,0,0,0.06);
}

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

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

.cta-container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:50px;
}

.cta-text p{
  font-size:24px;
  line-height:1.5;
  margin-bottom:25px;
}

.cta-text button{
  padding:14px 22px;
  border:1px solid #fff;
  background:transparent;
  color:#fff;
  cursor:pointer;
}

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

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

.blog-subtitle{
  margin-bottom:10px;
}

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

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

.blog-card{
  background:#fff;
  width:320px;
  border-radius:8px;
  overflow:hidden;
  box-shadow:0 3px 10px rgba(0,0,0,0.08);
}

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

.card-content h4{
  margin-bottom:12px;
}

.card-content p{
  color:#666;
  line-height:1.6;
  margin-bottom:12px;
}

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

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

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

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

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

.footer-col h4{
  margin-bottom:18px;
  font-size:14px;
}

.footer-col a{
  display:block;
  color:#d1d1d8;
  margin-bottom:10px;
  font-size:14px;
}

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

/* =========================================
   HOVER EFFECTS
========================================= */

.card,
.blog-card,
.review,
.feature{
  transition:0.3s ease;
}

.card:hover,
.blog-card:hover,
.review:hover,
.feature:hover{
  transform:translateY(-8px);
}

button,
.btn-outline,
.btn-solid{
  transition:0.3s ease;
}

button:hover,
.btn-outline:hover,
.btn-solid:hover{
  transform:translateY(-3px);
}

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

@media (max-width:1024px){

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

  .title,
  .blog-title{
    font-size:40px;
  }

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

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

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

}

/* MOBILE */

@media (max-width:900px){

  .menu-toggle{
    display:block;
  }

  .nav-links{
    position:absolute;

    top:100%;
    right:0;

    width:260px;

    background:#fff;

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

    padding:25px;

    gap:20px;

    box-shadow:0 10px 30px rgba(0,0,0,0.1);

    opacity:0;
    visibility:hidden;

    transform:translateY(-10px);

    transition:0.3s ease;
  }

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

  .dropdown{
    width:100%;
  }

  .dropdown-menu{
    position:static;

    opacity:1;
    visibility:visible;

    transform:none;

    display:none;

    box-shadow:none;

    background:transparent;

    padding-left:10px;
  }

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

  .content,
  .cta-container,
  .features-grid,
  .cards,
  .reviews-wrapper,
  .blog-cards{
    flex-direction:column;
    align-items:center;
  }

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

  .hero{
    padding:80px 20px;
  }

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

  .title,
  .blog-title{
    font-size:34px;
  }

  .loan-box{
    padding:40px 25px 120px;
  }

}

/* SMALL MOBILE */

@media (max-width:480px){

  .hero-title{
    font-size:30px;
  }

  .title,
  .blog-title{
    font-size:28px;
  }

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

  .heading .highlight{
    font-size:30px;
  }

  .btn-outline,
  .btn-solid,
  button,
  .blog-btn{
    width:100%;
    text-align:center;
  }

}