/* Shared site styles (moved out of index.html <style>...</style>) */

/* --- SIGN UP FORM SECTION --- */
.signup-section {
  background-color: var(--bg-darker);
  padding: 100px 0;
}

.signup-card {
  max-width: 800px;
  margin: 0 auto;
  background-color: #ffffff;
  padding: 50px;
  border-radius: 12px;
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.08);
}

.signup-header {
  text-align: center;
  margin-bottom: 40px;
}

.signup-header h2 {
  font-size: 2rem;
  margin-bottom: 10px;
  color: #111;
  font-weight: var(--fw-extrabold);
  letter-spacing: -0.02em;
}

.signup-header p {
  color: #666;
  font-size: 1rem;
  font-weight: var(--fw-regular);
  line-height: var(--line-height-relaxed);
}

/* Checkbox specific styles */
.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 15px;
  margin-top: 10px;
}

.checkbox-row input[type="checkbox"] {
  margin-top: 5px;
  transform: scale(1.2);
  cursor: pointer;
}

.checkbox-text {
  font-size: 0.8rem;
  color: #666;
  line-height: 1.6;
  font-weight: var(--fw-regular);
}

.checkbox-text a {
  color: var(--primary-blue);
  text-decoration: underline;
  font-weight: var(--fw-semibold);
}

.btn-block {
  width: 100%;
  justify-content: center;
  margin-top: 20px;
}

.btn-clear {
  background-color: transparent;
  color: #666;
  border: 1px solid #ddd;
  box-shadow: none;
  margin-top: 15px;
  font-weight: var(--fw-semibold);
}

.btn-clear:hover {
  background-color: #f0f0f0;
  color: #333;
}

.signup-card {
  max-width: 800px;
  margin: 0 auto;
  background-color: #ffffff;
  padding: 50px;
  border-radius: 8px;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.05);
}

.signup-header {
  text-align: center;
  margin-bottom: 40px;
}

.signup-header h2 {
  font-size: 2rem;
  margin-bottom: 10px;
  color: #111;
}

.signup-header p {
  color: #666;
  font-size: 1.1rem;
}

/* Form Grid Layout */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  /* Two columns */
  gap: 25px;
}

.form-col-full {
  grid-column: span 2;
  /* Spans full width */
}

/* Input Styles Matching Quickstarloans Theme */
.input-wrapper {
  display: flex;
  flex-direction: column;
}

.input-wrapper label {
  font-family: var(--font-heading);
  font-weight: var(--fw-semibold);
  font-size: 0.8rem;
  color: #333;
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  line-height: 1.4;
}

.custom-input,
.custom-select {
  padding: 14px;
  border: 1px solid #ddd;
  background-color: #fafafa;
  border-radius: 6px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: var(--fw-regular);
  color: #333;
  transition: all 0.3s ease;
  line-height: 1.5;
}

.custom-input:focus,
.custom-select:focus {
  outline: none;
  border-color: var(--primary-blue);
  background-color: #ffffff;
  box-shadow: 0 0 0 3px rgba(37, 91, 227, 0.1);
}

.custom-input::placeholder {
  color: #999;
  font-weight: var(--fw-regular);
}

/* Checkbox specific styles */
.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 15px;
  margin-top: 10px;
}

.checkbox-row input[type="checkbox"] {
  margin-top: 5px;
  transform: scale(1.2);
  cursor: pointer;
}

.checkbox-text {
  font-size: 0.8rem;
  color: #666;
  line-height: 1.5;
}

.checkbox-text a {
  color: var(--primary-blue);
  text-decoration: underline;
}

/* Button variants */
.btn-block {
  width: 100%;
  justify-content: center;
  margin-top: 20px;
}

.btn-clear {
  background-color: transparent;
  color: #666;
  border: 1px solid #ddd;
  box-shadow: none;
  margin-top: 15px;
}

.btn-clear:hover {
  background-color: #f0f0f0;
  color: #333;
}

/* Mobile Responsive */
@media (max-width: 700px) {
  .form-grid {
    grid-template-columns: 1fr;
    /* Stack vertically on mobile */
  }

  .form-col-full {
    grid-column: span 1;
  }

  .signup-card {
    padding: 30px 20px;
  }
}

/* --- CSS VARIABLES & RESET --- */
:root {
  --bg-dark: #ffffff;
  --bg-darker: #f4f7fa;
  --primary-blue: #255be3;
  --primary-hover: #1b48b8;
  --accent-red: #f54336;
  --accent-navy: #2c2f45;
  --text-white: #151719;
  --text-gray: #555555;

  /* Modern system font stack - optimized for readability */
  --font-heading: -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", sans-serif;
  --font-body: -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", sans-serif;
  --container-width: 1200px;
  
  /* Typography scale */
  --line-height-tight: 1.15;
  --line-height-normal: 1.6;
  --line-height-relaxed: 1.75;
  
  /* Font weights */
  --fw-regular: 400;
  --fw-medium: 500;
  --fw-semibold: 600;
  --fw-bold: 700;
  --fw-extrabold: 800;
  --fw-black: 900;
}

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

body {
  font-family: var(--font-body);
  background-color: var(--bg-dark);
  color: var(--text-gray);
  line-height: var(--line-height-normal);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-size: 16px;
  font-weight: var(--fw-regular);
}

h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: var(--font-heading);
  color: var(--text-white);
  margin-bottom: 1rem;
  font-weight: var(--fw-extrabold);
  text-transform: uppercase;
  letter-spacing: -0.02em;
  line-height: var(--line-height-tight);
}

h1 {
  font-size: 3.5rem;
  font-weight: var(--fw-black);
  letter-spacing: -0.03em;
}

h2 {
  font-size: 2.25rem;
  font-weight: var(--fw-extrabold);
  letter-spacing: -0.025em;
}

h3 {
  font-size: 1.5rem;
  font-weight: var(--fw-bold);
}

h4 {
  font-size: 1.125rem;
  font-weight: var(--fw-semibold);
  text-transform: none;
}

p {
  line-height: var(--line-height-relaxed);
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}

a {
  text-decoration: none;
  transition: 0.3s;
}

.container {
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 20px;
}

/* Helper for Blue Text Highlights */
.text-blue {
  color: var(--primary-blue);
}

/* --- BUTTONS --- */
.btn {
  display: inline-flex;
  align-items: center;
  background-color: var(--primary-blue);
  color: #ffffff;
  padding: 16px 32px;
  font-family: var(--font-heading);
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  font-size: 0.9rem;
  letter-spacing: 0.05em;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 4px 12px rgba(37, 91, 227, 0.3);
  line-height: 1.4;
}

.btn:hover {
  background-color: var(--primary-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(37, 91, 227, 0.4);
}

.btn:active {
  transform: translateY(0);
}

.btn svg {
  margin-left: 10px;
  width: 16px;
  height: 16px;
  fill: white;
}

/* --- HEADER / NAVBAR --- */
header {
  background: #ffffff;
  height: 80px;
  display: flex;
  align-items: center;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
}

.nav-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  max-width: var(--container-width);
  margin: 0 auto;
  padding: 0 20px;
  gap: 15px;
}

.logo {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: var(--fw-black);
  color: var(--primary-blue);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

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

/* logo image rules (use local logo.png) */
.logo img {
  height: 76px;
  display: block;
  object-fit: contain;
}

nav ul {
  display: flex;
  list-style: none;
  gap: 30px;
}

nav ul li a {
  color: var(--text-white);
  font-size: 0.8rem;
  font-weight: var(--fw-semibold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  transition: color 0.3s ease;
}

nav ul li a:hover {
  color: var(--primary-blue);
}

/* --- HERO SECTION --- */
.hero {
  padding: 120px 0 80px 0;
  background: linear-gradient(135deg, #f8f9fb 0%, #ffffff 100%);
  min-height: 680px;
  display: flex;
  align-items: center;
  overflow: hidden;
  position: relative;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 50%;
  height: 100%;
  background: radial-gradient(circle at 120% 80%, rgba(37, 91, 227, 0.08) 0%, transparent 50%);
  pointer-events: none;
  z-index: 0;
}

.hero-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 80px;
  width: 100%;
  position: relative;
  z-index: 1;
}

.hero-text {
  flex: 1;
  max-width: 620px;
}

.hero-badge {
  display: inline-block;
  background-color: rgba(37, 91, 227, 0.1);
  color: var(--primary-blue);
  padding: 8px 16px;
  border-radius: 24px;
  font-size: 0.75rem;
  font-weight: var(--fw-semibold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 24px;
  line-height: 1.4;
}

.hero-text h1 {
  font-size: 3.5rem;
  line-height: normal;
  margin-bottom: 20px;
  color: var(--text-white);
  font-weight: var(--fw-black);
  text-transform: none;
}

.hero-text h1 span.big-title {
  display: block;
  font-size: 3.5rem;
  font-weight: var(--fw-black);
  color: #111;
  background: linear-gradient(135deg, #111 0%, var(--primary-blue) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  letter-spacing: -0.03em;
}

.hero-subtitle {
  font-size: 1.15rem;
  margin-bottom: 32px;
  max-width: 580px;
  color: #555;
  line-height: var(--line-height-relaxed);
  font-weight: var(--fw-regular);
  letter-spacing: -0.01em;
}

.feature-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: rgba(37, 91, 227, 0.08);
  color: var(--text-white);
  padding: 10px 18px;
  border-radius: 24px;
  font-size: 0.85rem;
  font-weight: var(--fw-semibold);
  border: 1px solid rgba(37, 91, 227, 0.15);
  transition: all 0.3s ease;
  letter-spacing: 0.02em;
  line-height: 1.4;
}

.feature-pill:hover {
  background-color: rgba(37, 91, 227, 0.15);
  border-color: rgba(37, 91, 227, 0.3);
  transform: translateY(-2px);
}

.hero-disclaimer {
  font-size: 0.8rem;
  color: #888;
  margin-top: 24px;
  font-style: italic;
  font-weight: var(--fw-regular);
  letter-spacing: -0.01em;
}

.hero-text h1 {
  font-size: 3.5rem;
  line-height: normal;
  margin-bottom: 20px;
  color: var(--text-white);
  font-weight: 800;
  text-transform: none;
}

.hero-text h1 span.big-title {
  display: block;
  font-size: 3.5rem;
  font-weight: 800;
  color: #111;
  background: linear-gradient(135deg, #111 0%, var(--primary-blue) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-subtitle {
  font-size: 1.15rem;
  margin-bottom: 32px;
  max-width: 580px;
  color: #555;
  line-height: 1.7;
}

.hero-features {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  /* margin-bottom: 40px; */
}

.feature-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: rgba(37, 91, 227, 0.08);
  color: var(--text-white);
  padding: 10px 18px;
  border-radius: 24px;
  font-size: 0.9rem;
  font-weight: 600;
  border: 1px solid rgba(37, 91, 227, 0.15);
  transition: all 0.3s ease;
}

.feature-pill:hover {
  background-color: rgba(37, 91, 227, 0.15);
  border-color: rgba(37, 91, 227, 0.3);
  transform: translateY(-2px);
}

.feature-icon {
  width: 16px;
  height: 16px;
  color: var(--primary-blue);
  flex-shrink: 0;
}

.hero-disclaimer {
  font-size: 0.85rem;
  color: #888;
  margin-top: 24px;
  font-style: italic;
}

.hero-image {
  flex: 1;
  position: relative;
  height: 560px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}

.hero-image-wrapper {
  position: relative;
  width: 100%;
  height: 100%;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}

.hero-glow {
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 380px;
  height: 380px;
  background: radial-gradient(circle, rgba(37, 91, 227, 0.15) 0%, rgba(37, 91, 227, 0.05) 70%, transparent 100%);
  border-radius: 50%;
  filter: blur(40px);
  z-index: -1;
}

.hero-person-img {
  z-index: 2;
  max-height: 100%;
  width: auto;
  max-width: 100%;
  border-radius: 20px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.1);
  object-fit: cover;
}

/* --- FEATURES SECTION --- */
.features {
  padding: 100px 0;
  background-color: var(--bg-dark);
  text-align: center;
}

.features h2 {
  font-size: 1.1rem;
  margin-bottom: 10px;
  letter-spacing: 0.08em;
  font-weight: var(--fw-semibold);
  color: #666;
}

.features .sub-head {
  font-size: 3rem;
  font-weight: var(--fw-black);
  color: var(--primary-blue);
  margin-bottom: 20px;
  line-height: 1;
  text-transform: uppercase;
  letter-spacing: -0.02em;
}

.features p.intro {
  max-width: 700px;
  margin: 0 auto 60px auto;
  font-size: 1.05rem;
  line-height: var(--line-height-relaxed);
  font-weight: var(--fw-regular);
  color: #666;
}

.feature-item h3 {
  font-size: 1rem;
  margin-bottom: 15px;
  letter-spacing: 0.08em;
  color: #333;
  font-weight: var(--fw-bold);
}

.feature-item p {
  font-size: 0.9rem;
  color: #666;
  line-height: var(--line-height-relaxed);
  max-width: 280px;
  font-weight: var(--fw-regular);
}

.features h2 {
  font-size: 2rem;
  margin-bottom: 10px;
  letter-spacing: 1px;
}

.features .sub-head {
  font-size: 3rem;
  font-weight: 900;
  color: var(--primary-blue);
  margin-bottom: 20px;
  line-height: 1;
  text-transform: uppercase;
}

.features p.intro {
  max-width: 700px;
  margin: 0 auto 60px auto;
  font-size: 1rem;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  max-width: 1100px;
  margin: 0 auto;
}

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: center;
}

/* The White Circle Icons */
.icon-circle {
  width: 140px;
  height: 140px;
  background: #ffffff;
  border: 1px solid #eee;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 30px;
  box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
  font-size: 3rem;
  /* Emoji size substitute */
}

.feature-item h3 {
  font-size: 1.1rem;
  margin-bottom: 15px;
  letter-spacing: 0.5px;
  color: #333;
}

.feature-item p {
  font-size: 0.9rem;
  color: #666;
  line-height: 1.5;
  max-width: 280px;
}

/* --- USE CASES (CARDS) --- */
.use-cases {
  padding: 80px 0 120px 0;
  background-color: var(--bg-darker);
}

.use-cases-header h2 {
  font-size: 1.1rem;
  margin-bottom: 5px;
  font-weight: var(--fw-semibold);
  letter-spacing: 0.08em;
  color: #666;
  text-transform: uppercase;
}

.use-cases-header h2 span {
  color: var(--primary-blue);
  display: block;
  font-size: 3rem;
  margin-top: 10px;
  font-weight: var(--fw-black);
  letter-spacing: -0.02em;
}

.use-cases-header p {
  margin-top: 20px;
  font-size: 1.05rem;
  line-height: var(--line-height-relaxed);
  color: #666;
  font-weight: var(--fw-regular);
}

.uc-card h3 {
  font-size: 1.4rem;
  margin-bottom: 0;
  line-height: 1.2;
  font-weight: var(--fw-bold);
  letter-spacing: -0.01em;
}

.uc-card h3 span {
  color: var(--primary-blue);
  display: block;
}

.uc-card-footer {
  font-weight: var(--fw-bold);
  color: var(--text-white);
  font-size: 1.1rem;
  letter-spacing: 0.02em;
}

.use-cases-header {
  margin-bottom: 60px;
}

.use-cases-header h2 {
  font-size: 2.2rem;
  margin-bottom: 5px;
}

.use-cases-header h2 span {
  color: var(--primary-blue);
  display: block;
  font-size: 3.5rem;
  margin-top: 10px;
}

.use-cases-header p {
  margin-top: 20px;
  font-size: 1.1rem;
}

/* The Card Grid */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

/* Specific Card Styling */
.uc-card {
  text-align: left;
}

.uc-card h3 {
  font-size: 1.4rem;
  margin-bottom: 0;
  line-height: 1.2;
}

.uc-card h3 span {
  color: var(--primary-blue);
  display: block;
}

/* The Image Block Container */
.uc-img-container {
  height: 250px;
  width: 100%;
  margin: 30px 0;
  position: relative;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  overflow: hidden;
}

/* Colored backgrounds for images */
.bg-red {
  background-color: var(--accent-red);
}

.bg-navy {
  background-color: var(--accent-navy);
}

.uc-img-container img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  mix-blend-mode: normal;
}

/* --- RESPONSIVE --- */
@media (max-width: 900px) {
  .hero {
    padding: 80px 0 60px 0;
    min-height: auto;
  }
  .logo img {
    height: 46px;
    display: block;
    object-fit: contain;
  }
  .hero-row {
    flex-direction: column;
    gap: 50px;
  }

  .hero-text h1 {
    font-size: 2.8rem;
  }

  .hero-text h1 span.big-title {
    font-size: 2.8rem;
  }

  .hero-image {
    width: 100%;
    height: 350px;
  }

  .hero-glow {
    width: 280px;
    height: 280px;
  }

  .features-grid,
  .cards-grid {
    grid-template-columns: 1fr;
  }

  .uc-card {
    margin-bottom: 50px;
  }

  nav ul {
    display: none;
  }
}

/* --- HOW IT WORKS (NEW) --- */
.how-it-works {
  background-color: var(--bg-dark);
  padding: 100px 0;
  text-align: center;
}

.section-title {
  font-size: 1.2rem;
  margin-bottom: 20px;
  font-weight: var(--fw-semibold);
  letter-spacing: 0.08em;
  color: #666;
  text-transform: uppercase;
}

.section-title span {
  display: block;
  color: var(--primary-blue);
  font-size: 3rem;
  font-weight: var(--fw-black);
  line-height: 1;
  text-transform: uppercase;
  letter-spacing: -0.02em;
  margin-top: 8px;
}

.section-desc {
  max-width: 600px;
  margin: 0 auto 60px auto;
  font-size: 1.05rem;
  line-height: var(--line-height-relaxed);
  color: #666;
  font-weight: var(--fw-regular);
}

.step-item h3 {
  font-size: 1.1rem;
  margin-bottom: 15px;
  letter-spacing: 0.05em;
  font-weight: var(--fw-bold);
}

.step-item p {
  font-size: 0.95rem;
  line-height: var(--line-height-relaxed);
  color: #666;
  font-weight: var(--fw-regular);
}

.section-title span {
  display: block;
  color: var(--primary-blue);
  font-size: 3rem;
  font-weight: 900;
  line-height: 1;
}

.section-title {
  font-size: 1.5rem;
  margin-bottom: 20px;
}

.section-desc {
  max-width: 600px;
  margin: 0 auto 60px auto;
  font-size: 1.1rem;
}

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

.step-item {
  flex: 1;
  min-width: 250px;
  max-width: 350px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.step-circle {
  width: 160px;
  height: 160px;
  background: #fff;
  border: 1px solid #eee;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 30px;
  font-family: var(--font-heading);
  font-size: 5rem;
  font-weight: 900;
  color: var(--primary-blue);
  text-shadow:
    2px 2px 0px #eee,
    4px 4px 0px rgba(0, 0, 0, 0.05);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.05);
}

.step-item h3 {
  font-size: 1.2rem;
  margin-bottom: 15px;
}

.step-item p {
  font-size: 0.95rem;
  line-height: 1.5;
  color: #666;
}

/* --- BLUE BANNER (NEW) --- */
.blue-banner {
  background-color: var(--primary-blue);
  padding: 0;
  overflow: hidden;
  margin: 60px 0;
}

.banner-content h2 {
  font-size: 2rem;
  line-height: 1.2;
  margin-bottom: 30px;
  color: white;
  font-weight: var(--fw-extrabold);
  letter-spacing: -0.02em;
}

.banner-btn {
  background-color: rgba(0, 0, 0, 0.2);
  color: white;
  padding: 12px 24px;
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  font-size: 0.85rem;
  display: inline-block;
  border-radius: 6px;
  transition: all 0.3s ease;
  letter-spacing: 0.05em;
  line-height: 1.4;
}

.banner-btn:hover {
  background-color: rgba(0, 0, 0, 0.35);
  transform: translateY(-2px);
}

/* --- LOAN OPTIONS (STACKED BARS) (NEW) --- */
.loan-options {
  background-color: #ffffff;
  padding: 80px 0;
  text-align: center;
}

.bar-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  font-weight: var(--fw-semibold);
  margin-bottom: 5px;
  opacity: 0.9;
  letter-spacing: 0.08em;
  line-height: 1.4;
}

.bar-value {
  font-size: 3.5rem;
  font-weight: var(--fw-black);
  font-family: var(--font-heading);
  line-height: 1;
  letter-spacing: -0.02em;
}

.bar-sub {
  font-size: 1.4rem;
  font-weight: var(--fw-bold);
  margin-left: 10px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.banner-flex {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 350px;
}

.banner-content {
  flex: 1;
  padding: 60px 0;
  color: white;
}

.banner-content h2 {
  font-size: 2.2rem;
  line-height: 1.2;
  margin-bottom: 30px;
  color: white;
}

.banner-btn {
  background-color: rgba(0, 0, 0, 0.2);
  color: white;
  padding: 14px 28px;
  font-weight: 700;
  text-transform: uppercase;
  font-size: 0.9rem;
  display: inline-block;
  border-radius: 4px;
}

.banner-btn:hover {
  background-color: rgba(0, 0, 0, 0.4);
}

.banner-image {
  flex: 1;
  height: 350px;
  position: relative;
  background-image: url("https://images.unsplash.com/photo-1516575334481-f85287c2c81d?ixlib=rb-1.2.1&auto=format&fit=crop&w=800&q=80");
  background-size: cover;
  background-position: center;
  -webkit-mask-image: linear-gradient(to right, transparent, black 20%);
  mask-image: linear-gradient(to right, transparent, black 20%);
}

/* --- LOAN OPTIONS (STACKED BARS) (NEW) --- */
.loan-options {
  background-color: #ffffff;
  padding: 80px 0;
  text-align: center;
}

.options-container {
  max-width: 1000px;
  margin: 50px auto;
  text-align: left;
}

.option-bar {
  display: flex;
  align-items: center;
  position: relative;
  height: 140px;
  overflow: hidden;
  margin-bottom: 0;
}

/* The Diagonal Stripes Element */
.stripes {
  width: 150px;
  height: 100%;
  position: absolute;
  left: 0;
  top: 0;
  z-index: 1;
  background-image: repeating-linear-gradient(
    115deg,
    rgba(0, 0, 0, 0.05),
    rgba(0, 0, 0, 0.05) 15px,
    transparent 15px,
    transparent 30px
  );
}

/* Right side stripes */
.stripes-right {
  width: 150px;
  height: 100%;
  position: absolute;
  right: 0;
  top: 0;
  z-index: 1;
  background-image: repeating-linear-gradient(
    115deg,
    rgba(0, 0, 0, 0.05),
    rgba(0, 0, 0, 0.05) 15px,
    transparent 15px,
    transparent 30px
  );
  transform: scaleX(-1);
}

.bar-content {
  width: 100%;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  z-index: 2;
  text-align: center;
  padding: 0 20px;
}

.bar-label {
  font-size: 0.8rem;
  text-transform: uppercase;
  font-weight: 700;
  margin-bottom: 5px;
  opacity: 0.9;
}

.bar-value {
  font-size: 3.5rem;
  font-weight: 800;
  font-family: var(--font-heading);
  line-height: 1;
}

.bar-sub {
  font-size: 1.5rem;
  font-weight: 600;
  margin-left: 10px;
  text-transform: uppercase;
}

/* Specific Colors for bars */
.bar-blue {
  background-color: var(--primary-blue);
  color: white;
}

.bar-dark {
  background-color: #333;
  color: white;
}

.bar-gray {
  background-color: #f0f0f0;
  color: #333;
}

/* --- RATES AND TERMS (NEW) --- */
.rates-terms {
  padding: 60px 0 100px 0;
  background-color: var(--bg-dark);
}

.rates-header h2 {
  font-size: 1.2rem;
  color: #666;
  font-weight: var(--fw-semibold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* The "Dropdown" Styling */
.state-selector {
  font-size: 2.8rem;
  color: #111;
  font-weight: var(--fw-black);
  display: inline-flex;
  align-items: center;
  letter-spacing: -0.02em;
  line-height: 1.2;
}

.rate-col h4 {
  font-size: 0.9rem;
  color: #666;
  margin-bottom: 10px;
  font-weight: var(--fw-semibold);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.rate-col .data-point {
  font-size: 1.5rem;
  font-weight: var(--fw-bold);
  color: var(--primary-blue);
  letter-spacing: -0.01em;
}

.legal-block {
  font-size: 0.75rem;
  color: #666;
  max-width: 900px;
  line-height: 1.6;
  font-weight: var(--fw-regular);
}

.legal-block p {
  margin-bottom: 15px;
}

/* --- FOOTER (NEW) --- */
footer {
  background-color: #f8f9fa;
  color: #555;
  padding: 80px 0 40px 0;
  font-size: 0.9rem;
  border-top: 1px solid #eee;
}

.footer-col h4 {
  color: #111;
  font-size: 0.95rem;
  margin-bottom: 25px;
  font-weight: var(--fw-bold);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.footer-col ul li {
  margin-bottom: 12px;
}

.footer-col ul li a {
  color: #555;
  font-size: 0.9rem;
  font-weight: var(--fw-regular);
  transition: color 0.3s ease;
}

.footer-col ul li a:hover {
  color: var(--primary-blue);
}

.copy {
  font-size: 0.85rem;
  color: #666;
  font-weight: var(--fw-regular);
}

.rates-header {
  margin-bottom: 60px;
}

.rates-header h2 {
  font-size: 1.5rem;
  color: #333;
}

/* The "Dropdown" Styling */
.state-selector {
  font-size: 3rem;
  color: #111;
  font-weight: 800;
  display: inline-flex;
  align-items: center;
}

.state-active {
  color: var(--primary-blue);
  border-bottom: 2px dashed rgba(37, 91, 227, 0.5);
  margin-left: 10px;
  position: relative;
}

.state-arrow {
  font-size: 1.5rem;
  margin-left: 15px;
  transform: rotate(90deg);
  color: var(--primary-blue);
}

.rates-grid {
  display: flex;
  justify-content: space-between;
  margin-bottom: 60px;
  border-bottom: 1px solid #eee;
  padding-bottom: 40px;
}

.rate-col h4 {
  font-size: 1rem;
  color: #666;
  margin-bottom: 10px;
}

.rate-col .data-point {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary-blue);
}

.legal-block {
  font-size: 0.75rem;
  color: #666;
  max-width: 900px;
  line-height: 1.6;
}

.legal-block p {
  margin-bottom: 15px;
}

/* slightly smaller logo in footer */
.footer-bottom .logo img {
  height: 28px;
}

.uc-card-footer {
  font-weight: 700;
  color: var(--text-white);
  font-size: 1.1rem;
}

/* --- FOOTER (NEW) --- */
footer {
  background-color: #f8f9fa;
  color: #555;
  padding: 80px 0 40px 0;
  font-size: 0.9rem;
  border-top: 1px solid #eee;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  margin-bottom: 60px;
}

.footer-col h4 {
  color: #111;
  font-size: 1rem;
  margin-bottom: 25px;
}

.footer-col ul {
  list-style: none;
}

.footer-col ul li {
  margin-bottom: 12px;
}

.footer-col ul li a:hover {
  color: var(--primary-blue);
}

.footer-bottom {
  border-top: 1px solid #ddd;
  padding-top: 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

/* Mobile Responsive */
@media (max-width: 768px) {
  .hero {
    padding: 40px 0 40px 0;
  }

  .hero-row {
    flex-direction: column;
    gap: 30px;
  }

  .hero-text h1 {
    font-size: 2rem;
  }

  .hero-text h1 span.big-title {
    font-size: 3rem;
  }

  .hero-badge {
    margin-bottom: 16px;
  }

  .hero-subtitle {
    font-size: 1rem;
    margin-bottom: 24px;
  }

  .hero-features {
    /* margin-bottom: 32px; */
  }

  .feature-pill {
    font-size: 0.8rem;
    padding: 8px 14px;
  }

  .feature-icon {
    width: 14px;
    height: 14px;
  }

  .hero-image {
    display: none;
  }

  .hero-row,
  .banner-flex,
  .rates-grid,
  .footer-grid {
    flex-direction: column;
    text-align: left;
  }

  .hero-text h1 span.big-title {
    font-size: 3rem;
  }

  .hero-image {
    display: none;
  }

  .banner-image {
    width: 100%;
    height: 200px;
    -webkit-mask-image: none;
    mask-image: none;
    order: -1;
  }

  .banner-content {
    padding: 30px 20px;
  }

  .option-bar {
    height: auto;
    padding: 30px 0;
  }

  .bar-value {
    font-size: 2.5rem;
  }

  .state-selector {
    font-size: 1.8rem;
    flex-direction: column;
  }

  .rates-grid {
    gap: 30px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .primary-navigation {
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.7);
    justify-content: center;
    align-items: center;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
    z-index: 20;
  }

  .primary-navigation.active {
    opacity: 1;
    pointer-events: auto;
  }

  .mobile-nav-panel {
    background: #ffffff;
    padding: 40px 30px;
    border-radius: 16px;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
    animation: slideUp 0.3s ease-out;
    max-width: 90%;
  }

  @keyframes slideUp {
    from {
      transform: translateY(20px);
      opacity: 0;
    }
    to {
      transform: translateY(0);
      opacity: 1;
    }
  }

  .mobile-nav-panel ul {
    flex-direction: column;
    gap: 1.5rem;
    list-style: none;
  }

  .mobile-nav-panel ul li a {
    display: block;
    color: #333;
    font-size: 1rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 12px 0;
    transition: 0.2s;
    border-bottom: 2px solid transparent;
  }

  .mobile-nav-panel ul li a:hover {
    color: var(--primary-blue);
    border-bottom-color: var(--primary-blue);
  }

  .mobile-nav-panel ul li a.text-blue {
    color: var(--primary-blue);
    font-weight: 700;
  }
}

/* --- TOP NOTIFICATION BAR --- */
.top-notification-bar {
  background-color: #151719;
  padding: 8px 0;
  font-family: var(--font-heading);
  font-size: 0.8rem;
  font-weight: 700;
  z-index: 1001;
  position: relative;
}

.top-bar-flex {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 25px;
}

/* The Promotional Link Text */
.promo-text-link {
  color: var(--primary-blue);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  text-decoration: none;
  transition: 0.2s;
}

.promo-text-link:hover {
  color: #fff;
  text-decoration: underline;
}

/* Small Login Button */
.btn-small-login {
  background-color: var(--primary-blue);
  color: #fff;
  padding: 6px 18px;
  border-radius: 4px;
  text-transform: uppercase;
  font-weight: 700;
  font-size: 0.75rem;
}

.btn-small-login:hover {
  background-color: var(--primary-hover);
}

/* Accessibility Icon styling */
.access-icon {
  display: flex;
  align-items: center;
  cursor: pointer;
  opacity: 0.7;
}

.access-icon svg {
  width: 20px;
  height: 20px;
  fill: #aaa;
}

/* --- FORM VALIDATION + SUCCESS MODAL --- */
.form-error {
  display: none;
  margin-top: 6px;
  font-size: 0.8rem;
  line-height: 1.3;
  color: #c0392b;
}

.custom-input.is-invalid,
.custom-select.is-invalid {
  border-color: #c0392b;
  background-color: #fff;
  box-shadow: 0 0 0 3px rgba(192, 57, 43, 0.12);
}

.modal[hidden] {
  display: none !important;
}

.modal {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: grid;
  place-items: center;
  padding: 20px;
}

.modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
}

.modal__panel {
  position: relative;
  width: min(520px, 100%);
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.25);
  padding: 22px 22px 18px;
}

.modal__panel h3 {
  margin: 0 0 8px 0;
  font-size: 1.2rem;
  color: #111;
  text-transform: none;
}

.modal__panel p {
  margin: 0 0 16px 0;
  color: #555;
}

.modal__actions {
  display: flex;
  justify-content: flex-end;
  gap: 10px;
}

.btn-secondary {
  background-color: transparent;
  color: #333;
  border: 1px solid #ddd;
  box-shadow: none;
}

.btn-secondary:hover {
  background-color: #f3f3f3;
}

/* --- BLOG STYLES --- */

.blog-header {
  text-align: left;
  margin-bottom: 2rem;
}

.blog-header h1 {
  font-size: 2.5rem;
  font-weight: var(--fw-black);
  color: var(--text-white);
  margin-bottom: 1rem;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.blog-header p {
  font-size: 1.05rem;
  color: var(--text-gray);
  line-height: var(--line-height-relaxed);
  margin-bottom: 1rem;
  max-width: 900px;
  font-weight: var(--fw-regular);
}

.blog-meta {
  font-size: 0.9rem;
  color: #666;
  margin-top: 1rem;
  font-weight: var(--fw-regular);
}

.blog-meta strong {
  color: var(--text-white);
  font-weight: var(--fw-semibold);
}

.blog-back-link {
  display: inline-block;
  margin-bottom: 1rem;
  font-size: 0.95rem;
  color: var(--primary-blue);
  text-decoration: underline;
  font-weight: var(--fw-semibold);
  transition: color 0.3s ease;
}

.blog-back-link:hover {
  color: var(--primary-hover);
}

.blog-article {
  max-width: 950px;
  margin: 0 auto;
  font-size: 1.05rem;
  line-height: var(--line-height-relaxed);
  color: var(--text-gray);
  font-weight: var(--fw-regular);
}

.blog-article h2 {
  font-size: 1.8rem;
  font-weight: var(--fw-bold);
  color: var(--text-white);
  margin-top: 2rem;
  margin-bottom: 1rem;
  text-transform: none;
  letter-spacing: -0.01em;
}

.blog-article h3 {
  font-size: 1.4rem;
  font-weight: var(--fw-semibold);
  color: var(--text-white);
  margin-top: 1.5rem;
  margin-bottom: 0.5rem;
  text-transform: none;
}

.blog-article p {
  margin-bottom: 1.5rem;
}

.blog-article ul {
  margin-bottom: 1.5rem;
  padding-left: 1.5rem;
}

.blog-article li {
  margin-bottom: 0.5rem;
  line-height: var(--line-height-relaxed);
  font-weight: var(--fw-regular);
}

.blog-article li strong {
  color: var(--text-white);
  font-weight: var(--fw-semibold);
}

.blog-article em {
  font-style: italic;
  color: #555;
  font-weight: var(--fw-regular);
}

.blog-note {
  margin-top: 2rem;
  padding: 1rem;
  background-color: var(--bg-darker);
  border-left: 4px solid var(--primary-blue);
  font-size: 0.9rem;
  color: #666;
  font-weight: var(--fw-regular);
  line-height: var(--line-height-relaxed);
}

.blog-note strong {
  color: var(--text-white);
  font-weight: var(--fw-semibold);
}

/* Blog index styles */
.blog-listing .use-cases-header {
  text-align: left;
}

.blog-listing .use-cases-header h1 {
  font-size: 2.5rem;
  margin-bottom: 1rem;
  font-weight: var(--fw-black);
}

.blog-listing .use-cases-header p {
  font-size: 1.05rem;
  color: var(--text-gray);
  max-width: 900px;
  line-height: var(--line-height-relaxed);
}

.blog-header h1 {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--text-white);
  margin-bottom: 1rem;
  line-height: 1.2;
}

.blog-header p {
  font-size: 1.1rem;
  color: var(--text-gray);
  line-height: 1.6;
  margin-bottom: 1rem;
  max-width: 900px;
}

.blog-meta {
  font-size: 0.95rem;
  color: #666;
  margin-top: 1rem;
}

.blog-meta strong {
  color: var(--text-white);
}

.blog-back-link {
  display: inline-block;
  margin-bottom: 1rem;
  font-size: 1rem;
  color: var(--primary-blue);
  text-decoration: underline;
}

.blog-back-link:hover {
  color: var(--primary-hover);
}

.blog-banner {
  margin: 2rem 0;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
}

.blog-banner img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
}

.blog-article {
  max-width: 950px;
  margin: 0 auto;
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--text-gray);
}

.blog-article h2 {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--text-white);
  margin-top: 2rem;
  margin-bottom: 1rem;
  text-transform: none;
}

.blog-article h3 {
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--text-white);
  margin-top: 1.5rem;
  margin-bottom: 0.5rem;
}

.blog-article p {
  margin-bottom: 1.5rem;
}

.blog-article ul {
  margin-bottom: 1.5rem;
  padding-left: 1.5rem;
}

.blog-article li {
  margin-bottom: 0.5rem;
  line-height: 1.6;
}

.blog-article li strong {
  color: var(--text-white);
}

.blog-article em {
  font-style: italic;
  color: #555;
}

.blog-note {
  margin-top: 2rem;
  padding: 1rem;
  background-color: var(--bg-darker);
  border-left: 4px solid var(--primary-blue);
  font-size: 0.9rem;
  color: #666;
}

.blog-note strong {
  color: var(--text-white);
}

/* Blog index styles */
.blog-listing .use-cases-header {
  text-align: left;
}

.blog-listing .use-cases-header h1 {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.blog-listing .use-cases-header p {
  font-size: 1.1rem;
  color: var(--text-gray);
  max-width: 900px;
}

/* Responsive adjustments */
@media (max-width: 768px) {
  .blog-header h1 {
    font-size: 2rem;
  }

  .blog-article {
    font-size: 1rem;
  }

  .blog-article h2 {
    font-size: 1.5rem;
  }

  .blog-banner img {
    height: 150px;
  }
}

.uc-card-link {
  display: block;
  text-decoration: none;
  color: inherit;
}

.btn-get-started {
  background-color: var(--primary-blue);
  color: #fff;
  padding: 10px 24px;
  border-radius: 20px;
  text-transform: uppercase;
  font-weight: var(--fw-bold);
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  display: inline-block;
  transition: all 0.3s ease;
  box-shadow: 0 4px 12px rgba(37, 91, 227, 0.3);
  line-height: 1.4;
}

.btn-get-started:hover {
  background-color: var(--primary-hover);
  box-shadow: 0 6px 16px rgba(37, 91, 227, 0.4);
  transform: translateY(-2px);
}

.btn-secondary {
  background-color: transparent;
  color: #333;
  border: 1px solid #ddd;
  box-shadow: none;
  font-weight: var(--fw-semibold);
  transition: all 0.3s ease;
}

.btn-secondary:hover {
  background-color: #f3f3f3;
  border-color: #999;
}

/* --- FORM VALIDATION + SUCCESS MODAL --- */
.form-error {
  display: none;
  margin-top: 6px;
  font-size: 0.75rem;
  line-height: 1.3;
  color: #c0392b;
  font-weight: var(--fw-semibold);
}

.modal__panel h3 {
  margin: 0 0 8px 0;
  font-size: 1.2rem;
  color: #111;
  text-transform: none;
  font-weight: var(--fw-bold);
}

.modal__panel p {
  margin: 0 0 16px 0;
  color: #555;
  font-size: 0.95rem;
  line-height: var(--line-height-relaxed);
  font-weight: var(--fw-regular);
}

.btn-get-started:hover {
  background-color: var(--primary-hover);
  box-shadow: 0 6px 16px rgba(37, 91, 227, 0.4);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  order: 2;
}

.mobile-nav-toggle {
  order: 3;
}

@media (max-width: 768px) {
  .nav-actions {
    order: 2;
  }

  .mobile-nav-toggle {
    order: 3;
  }
}