/* RESET */
html {
  scroll-behavior: smooth;
}

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

/* smoother rendering */
body {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
*{
  margin:0;
  padding:0;
  box-sizing:border-box;
  font-family:Arial, sans-serif;
}

body{
  background:#ffffff;
  font-family: 'Montserrat', Arial, sans-serif;
}

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

/* =========================
   🔥 PRO NAVBAR
========================= */

header{
  background: rgba(255,255,255,0.9);
  backdrop-filter: blur(10px);
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid #eee;
}

/* NAV WRAPPER */
/* HEADER */
header {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(10px);
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid #eee;
}

/* NAV CONTAINER */
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 15px 0;
}

/* LOGO */
.logo {
  height: 20px;
}

/* RIGHT SIDE */
.nav-links {
  display: flex;
  align-items: center;
  gap: 30px;
  margin-left: auto; /* 🔥 pushes links to right */
}

/* LINKS */
.nav-links a {
  text-decoration: none;
  color: #000;
  font-size: 14px;
  font-weight: 500;
  white-space: nowrap;
  transition: 0.25s ease;
}

.nav-links a:hover {
  color: #3434ff;
}

/* LOGIN BUTTON */
.login {
  background: #3434ff;
  color: #fff !important;
  padding: 7px 16px;
  border-radius: 6px;
  border: 1px solid #3434ff;
}

/* DROPDOWN */
.dropdown {
  position: relative;
}

/* DROPDOWN MENU */
.dropdown-menu {
  position: absolute;
  top: 110%;
  left: 0;
  background: #fff;
  min-width: 180px;
  border-radius: 8px;
  box-shadow: 0 10px 25px rgba(0,0,0,0.08);
  padding: 8px 0;

  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all 0.25s ease;
  z-index: 999;
}

/* DROPDOWN LINKS */
.dropdown-menu a {
  display: block;
  padding: 10px 16px;
  font-size: 14px;
  color: #000;
}

.dropdown-menu a:hover {
  background: #f5f7fa;
}

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

/* MOBILE */
.menu-toggle {
  display: none;
  font-size: 24px;
  cursor: pointer;
}



/* LOAN HERO SECTION */
.loan-hero {
  background: #2c2f4a; /* deep navy */
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}

/* GEOMETRIC PATTERN */
.loan-hero::after {
  content: "";
  position: absolute;
  right: 0;
  top: 0;
  width: 45%;
  height: 100%;
  background-image: 
    linear-gradient(60deg, #1f5eff 2px, transparent 2px),
    linear-gradient(-60deg, #1f5eff 2px, transparent 2px),
    linear-gradient(0deg, #1f5eff 2px, transparent 2px);
  background-size: 60px 60px;
  opacity: 0.25;
}

/* CONTAINER */
.loan-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: relative;
  z-index: 2;
}

/* LEFT CONTENT */
.loan-content {
  width: 50%;
  color: #ffffff;
}

.loan-content h2 {
  font-size: 28px;
  letter-spacing: 2px;
  font-weight: 500;
  margin-bottom: 10px;
  opacity: 0.9;
}

.loan-content h1 {
  font-size: 90px;
  font-weight: 800;
  line-height: 0.95;
  margin-bottom: 25px;
}

.loan-content p {
  font-size: 18px;
  line-height: 1.6;
  color: #dcdde5;
  margin-bottom: 30px;
  max-width: 500px;
}

/* BUTTON */
.loan-btn {
  display: inline-block;
  padding: 14px 28px;
  background: #2f6bff;
  color: #fff;
  text-decoration: none;
  border-radius: 6px;
  border: 2px solid #ffffff;
  font-weight: bold;
  font-size: 14px;
  letter-spacing: 0.5px;
  transition: 0.3s;
}

.loan-btn:hover {
  background: transparent;
}

/* RIGHT IMAGE WITH BACKGROUND */
.loan-image {
  width: 50%;
  position: relative;
  display: flex;
  justify-content: flex-end;
}

/* BACKGROUND PATTERN BEHIND IMAGE */
.loan-image::before {
  content: "";
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 90%;
  height: 90%;
  background: url('./images/imgi_4_Avant_Logos_Blue_2\ \(1\).png') no-repeat center;
  background-size: contain;
  z-index: 1;
}

/* IMAGE ON TOP */
.loan-image img {
  max-width: 480px;
  width: 100%;
  position: relative;
  z-index: 2;
}

/* SECTION */
.loan-options {
  background: #f4f5f7;
  padding: 100px 0;
  text-align: center;
}

/* HEADER */
.options-header h4 {
  font-size: 14px;
  letter-spacing: 2px;
  color: #2c2f4a;
  margin-bottom: 5px;
}

.options-header h2 {
  font-size: 40px;
  color: #2f6bff;
  margin-bottom: 10px;
}

.options-header p {
  font-size: 14px;
  color: #666;
  max-width: 600px;
  margin: 0 auto 60px;
  line-height: 1.6;
}

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

/* ITEM */
.option {
  text-align: center;
}

/* ICON BOX */
.icon-box {
  width: 140px;
  height: 140px;
  margin: 0 auto 20px;
  border: 1px solid #000;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fff;
  position: relative;
}

/* INNER CIRCLE */
.icon-box::before {
  content: "";
  position: absolute;
  width: 110px;
  height: 110px;
  background: #f0f0f0;
  border-radius: 50%;
  z-index: 1;
}

.icon-box img {
  width: 100px;
  position: relative;
  z-index: 2;
}

/* TEXT */
.option h5 {
  font-size: 14px;
  margin-bottom: 8px;
  font-weight: bold;
  color: #2c2f4a;
}

.option p {
  font-size: 13px;
  color: #666;
  max-width: 220px;
  margin: 0 auto;
  line-height: 1.5;
}

/* SECTION */
.loan-needs {
  background: white;
  padding: 100px 0;
}

/* HEADER */
.needs-header {
  margin-bottom: 60px;
}

.needs-header h4 {
  font-size: 16px;
  letter-spacing: 1px;
  color: #2c2f4a;
}

.needs-header h2 {
  font-size: 42px;
  color: #2f6bff;
  margin: 5px 0 10px;
}

.needs-header p {
  font-size: 14px;
  color: #666;
}

/* GRID */
.needs-grid {
  display: flex;
  gap: 30px;
}

/* CARD */
.need-card {
  width: 33%;
}

/* TOP SMALL TITLE */
.need-card h5 {
  font-size: 13px;
  margin-bottom: 15px;
  color: #2c2f4a;
}

.need-card h5 span {
  color: #2f6bff;
  font-weight: bold;
}

/* IMAGE BOX */
.need-image {
  height: 150px;
  border: 1px solid #000;
  margin-bottom: 15px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  overflow: hidden;
}

/* BACKGROUND COLORS */
.need-image.red {
  background: #ff3b2f;
}

.need-image.dark {
  background: #2c2f4a;
}

/* IMAGE */
.need-image img {
  max-height: 140px;
}

/* TEXT */
.need-card h6 {
  font-size: 14px;
  margin-bottom: 8px;
  font-weight: bold;
  color: #2c2f4a;
}

.need-card p {
  font-size: 13px;
  color: #666;
  margin-bottom: 20px;
  line-height: 1.5;
}

/* BUTTON */
.need-card .btn-outline {
  display: inline-block;
  padding: 10px 20px;
  border: 2px solid #2f6bff;
  color: #2f6bff;
  border-radius: 4px;
  text-decoration: none;
  font-size: 13px;
  font-weight: bold;
}

.how-it-works {
  background-color: #2f3047;
  color: #fff;
  text-align: center;
  padding: 80px 20px;
}

.container {
  max-width: 1100px;
  margin: 0 auto;
}

.subtitle {
  font-size: 14px;
  letter-spacing: 2px;
  margin-bottom: 5px;
}

.title {
  font-size: 42px;
  margin: 0;
  color: #2d6cff;
  font-weight: 800;
}

.description {
  font-size: 14px;
  margin-top: 10px;
  margin-bottom: 60px;
  color: #d0d3e2;
}

.steps {
  display: flex;
  justify-content: space-between;
  gap: 40px;
}

.step {
  flex: 1;
  max-width: 300px;
  margin: 0 auto;
}

.image-box {
  width: 140px;
  height: 140px;
  border: 1px solid #000;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.image-box img {
  width: 110px;
  height: 110px;
  object-fit: contain;
}

.step h3 {
  font-size: 14px;
  margin-bottom: 10px;
  font-weight: 700;
}

.step p {
  font-size: 12px;
  line-height: 1.6;
  color: #cfd2e6;
}

/* SECTION BACKGROUND */
.loan-options {
  background: #e6e6e6;
  font-family: Arial, sans-serif;
}

/* TOP BLUE BANNER */
.loan-banner {
  background: linear-gradient(90deg, #1f5be3, #1a4fd1);
  height: 180px;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.banner-content {
  color: #fff;
  text-align: left;
  max-width: 600px;
}

.banner-content p {
  font-size: 14px;
  font-weight: 700;
  margin-bottom: 15px;
}

.banner-content button {
  background: transparent;
  border: 1px solid #fff;
  color: #fff;
  padding: 10px 18px;
  font-size: 12px;
  cursor: pointer;
}

.banner-image {
  position: absolute;
  right: 120px;
  bottom: 0;
  height: 180px;
}

/* CENTER CARD */
.loan-wrapper {
  display: flex;
  justify-content: center;
  margin-top: -60px; /* overlap */
}

.loan-card {
  background: #dcdcdc;
  padding: 50px 40px 0;
  width: 600px;
  text-align: left;
  position: relative;
}

/* HEADINGS */
.loan-card h3 {
  font-size: 18px;
  color: #333;
  margin: 0;
}

.loan-card h2 {
  font-size: 40px;
  color: #2d6cff;
  margin: 5px 0 15px;
}

.loan-card p {
  font-size: 13px;
  color: #555;
  margin-bottom: 30px;
}

/* BARS CONTAINER */
.loan-bars {
  position: relative;
  left: -80px;
  width: calc(100% + 160px);
}

/* BASE BAR STYLE */
.bar {
  position: relative;
  padding: 25px 40px;
  color: #fff;
  margin-bottom: 0;
  overflow: hidden;
}

.bar h4 {
  font-size: 32px;
  margin: 5px 0;
  font-weight: 800;
}

.bar .small {
  font-size: 10px;
  opacity: 0.8;
}

.bar .label {
  position: absolute;
  right: 30px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 14px;
  font-weight: bold;
}

/* COLORS */
.bar-blue {
  background: #2d6cff;
}

.bar-dark {
  background: #2c2f48;
}

.bar-gray {
  background: #5a5a5f;
}

/* ANGLED STRIPES */
.bar::before {
  content: "";
  position: absolute;
  left: -40px;
  top: 0;
  width: 120px;
  height: 100%;
  background: rgba(0, 0, 0, 0.2);
  transform: skewX(-25deg);
}

.bar::after {
  content: "";
  position: absolute;
  right: -40px;
  top: 0;
  width: 120px;
  height: 100%;
  background: rgba(0, 0, 0, 0.2);
  transform: skewX(-25deg);
}

.rates-section {
  background: #f3f3f3;
  padding: 80px 20px;
  font-family: Arial, sans-serif;
  color: #111;
}

.container {
  max-width: 900px;
  margin: 0 auto;
}

/* HEADER */
.eyebrow {
  font-size: 14px;
  letter-spacing: 1px;
  margin-bottom: 5px;
}

.main-title {
  font-size: 36px;
  font-weight: 700;
  margin: 0 0 40px;
}

.main-title span {
  color: #2d6cff;
}

.dropdown {
  font-size: 16px;
  margin-left: 8px;
  color: #2d6cff;
}

/* GRID */
.rates-grid {
  display: flex;
  justify-content: space-between;
  margin-bottom: 30px;
}

.rate-item {
  width: 30%;
}

.label {
  font-size: 12px;
  color: #555;
  margin-bottom: 5px;
}

.value {
  font-size: 14px;
  color: #2d6cff;
  font-weight: 700;
}

/* DIVIDER */
hr {
  border: none;
  border-top: 1px solid #ccc;
  margin: 30px 0;
}

/* FINE PRINT */
.fine-print p {
  font-size: 11px;
  color: #666;
  margin-bottom: 10px;
  line-height: 1.5;
}

/* FAQ SECTION */
.faq-section {
  text-align: center;
  margin-top: 80px;
}

.faq-eyebrow {
  font-size: 14px;
  letter-spacing: 1px;
  color: #333;
}

.faq-section h3 {
  font-size: 36px;
  color: #2d6cff;
  margin: 10px 0;
}

.faq-text {
  font-size: 13px;
  color: #555;
  margin-bottom: 20px;
}

.faq-btn {
  background: #2d6cff;
  color: #fff;
  border: none;
  padding: 12px 20px;
  font-size: 12px;
  cursor: pointer;
}

.finance-disclaimer {
  background: #f5f5f5;
  padding: 60px 20px;
}

.disclaimer-container {
  max-width: 1100px;
  margin: 0 auto;
  color: #6b7280;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  line-height: 1.6;
}

.disclaimer-container p {
  margin-bottom: 16px;
}

.disclaimer-container a {
  color: #2563eb;
  text-decoration: underline;
}

.disclaimer-container sup {
  font-size: 10px;
  vertical-align: super;
}

.disclaimer-container .bold {
  font-weight: 700;
  text-transform: uppercase;
  color: #4b5563;
  margin-top: 20px;
}

.disclaimer-logos {
  display: flex;
  gap: 20px;
  margin-top: 30px;
  align-items: center;
}

.disclaimer-logos img {
  height: 40px;
  object-fit: contain;
}

.finance-footer {
  background: #2f3147; /* dark navy */
  padding: 60px 20px;
  color: #ffffff;
}

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

/* Logo */
.footer-logo {
  margin-bottom: 30px;
}

.footer-logo img {
  height: 24px;
}

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

/* Column */
.footer-col h4 {
  font-size: 12px;
  letter-spacing: 1px;
  margin-bottom: 15px;
  font-weight: 700;
}

.footer-col a {
  display: block;
  color: #d1d5db;
  text-decoration: none;
  font-size: 13px;
  margin-bottom: 10px;
  line-height: 1.4;
  transition: color 0.2s ease;
}

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

/* HERO */
.hero .content {
  animation: fadeLeft 1s ease;
}

.hero .picture {
  animation: fadeRight 1s ease;
}

/* SECTIONS */
.solutions-content {
  animation: fadeLeft 1s ease;
}

.solutions-image {
  animation: fadeRight 1s ease;
}

.tool-card {
  animation: fadeUp 1s ease;
}

.review-card {
  animation: fadeUp 1s ease;
}

.card {
  animation: fadeUp 1s ease;
}

.learn-card {
  animation: fadeUp 1s ease;
}

.app-text {
  animation: fadeLeft 1s ease;
}

.app-image {
  animation: fadeRight 1s ease;
}

/* BUTTONS */
.btn,
.btn-outline,
button,
.finance-btn {
  transition: all 0.3s ease;
}

.btn:hover,
.btn-outline:hover,
button:hover {
  transform: translateY(-3px);
  opacity: 0.9;
}

/* CARDS */
.tool-card,
.card,
.learn-card,
.review-card {
  transition: all 0.3s ease;
}

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

/* =========================
   ✨ ANIMATIONS SYSTEM
========================= */

.animate {
  opacity: 0;
  transform: translateY(40px);
  transition: all 0.8s ease;
}

.animate.show {
  opacity: 1;
  transform: translateY(0);
}

/* hero animations */
.loan-content {
  animation: fadeLeft 1s ease forwards;
}

.loan-image {
  animation: fadeRight 1s ease forwards;
}

/* keyframes */
@keyframes fadeLeft {
  from {
    opacity: 0;
    transform: translateX(-60px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes fadeRight {
  from {
    opacity: 0;
    transform: translateX(60px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(50px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* hover smooth effects */
.option,
.need-card,
.step,
.bar {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.option:hover,
.need-card:hover,
.step:hover {
  transform: translateY(-10px);
}

/* =========================
   📱 TABLET (better layout)
========================= */
@media (max-width: 1024px) {

  .loan-container {
    gap: 40px;
  }

  .loan-content h1 {
    font-size: 60px;
  }

  .options-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
  }

  .steps {
    flex-wrap: wrap;
    gap: 30px;
    justify-content: center;
  }

  .needs-grid {
    flex-wrap: wrap;
  }

  .need-card {
    width: 48%;
  }

  .loan-bars {
    left: 0;
    width: 100%;
  }
}

/* =========================
   📱 MOBILE (FULL FIX)
========================= */
@media (max-width: 768px) {

  /* NAV */
  .nav-links {
    position: absolute;
    top: 70px;
    right: 0;
    background: white;
    flex-direction: column;
    width: 240px;
    padding: 20px;
    display: none;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
  }

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

  .menu-toggle {
    display: block;
  }

  /* HERO */
  .loan-container {
    flex-direction: column;
    text-align: center;
  }

  .loan-content {
    width: 100%;
  }

  .loan-content h1 {
    font-size: 38px;
  }

  .loan-content p {
    margin: 0 auto 30px;
  }

  .loan-image {
    width: 100%;
    justify-content: center;
    margin-top: 30px;
  }

  /* GRID FIXES */
  .options-grid {
    grid-template-columns: 1fr;
  }

  .needs-grid {
    flex-direction: column;
  }

  .need-card {
    width: 100%;
  }

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

  /* LOAN BARS */
  .loan-bars {
    left: 0;
    width: 100%;
  }

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

  /* TEXT SCALE */
  .loan-content h1 {
    font-size: 34px;
  }

  .options-header h2,
  .needs-header h2 {
    font-size: 28px;
  }
}