:root {
            --primary: #2e7d32; /* Dark green */
            --secondary: #f8f9fa;
            --accent: #388e3c; /* Medium green */
            --dark: #1b5e20; /* Very dark green */
            --light: #f8f9fa;
            --light-green: #e8f5e9;
        }
       
	   * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
        }

        body {
           background: linear-gradient(135deg, #f5f7fa 0%, #e4e9f2 100%);
            color: #2d3748;
            line-height: 1.6;
        }

/* Success Message Styles */
.success-message {
    background: #d4edda;
    border: 1px solid #c3e6cb;
    border-radius: 8px;
    padding: 20px;
    margin-top: 20px;
    animation: fadeIn 0.5s ease-in;
}

.success-content {
    display: flex;
    align-items: flex-start;
    gap: 15px;
}

.success-content i {
    color: #28a745;
    font-size: 24px;
    margin-top: 2px;
}

.success-content h4 {
    color: #155724;
    margin: 0 0 8px 0;
    font-size: 18px;
}

.success-content p {
    color: #155724;
    margin: 0;
    line-height: 1.5;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(-10px); }
    to { opacity: 1; transform: translateY(0); }
}


        /* Hero Carousel */
		 .divider {
            width: 80px;
            height: 4px;
            background: #28a745;
            margin: 30px auto;
            border-radius: 2px;
        }

        .cta-button {
            display: inline-block;
            padding: 16px 40px;
            background: #28a745;
            color: white;
            text-decoration: none;
            border-radius: 50px;
            font-weight: 700;
            font-size: 1.1rem;
            transition: all 0.3s ease;
            margin-top: 20px;
            box-shadow: 0 4px 15px rgba(0, 0, 0, 0.2);
        }

        .cta-button:hover {
            background: #218838;
            transform: translateY(-3px);
            box-shadow: 0 8px 20px rgba(0, 0, 0, 0.3);
        }
        .hero-carousel {
            position: relative;
            height: 700px;
            overflow: hidden;
            margin-top: 10; /* Removed margin that was creating gap */
        }

        .carousel-inner {
            height: 100%;
            position: relative;
        }

        .carousel-item {
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            opacity: 0;
            transition: opacity 1.2s ease-in-out;
            display: flex;
            align-items: center;

        }

        .carousel-item.active {
            opacity: 1;
        }

        .carousel-item img {
            width: 100%;
            height: 100%;
            object-fit: cover;
            position: absolute;
            z-index: -1;
        }

        .carousel-content {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
            color: white;
            text-align: center;
            width: 100%;
        }

        .carousel-content h1 {
            font-size: 3.5rem;
            margin-bottom: 20px;
            opacity: 0;
            transform: translateY(30px);
            animation: fadeInUp 1.2s forwards 0.5s;
            font-weight: 700;
            text-shadow: 2px 2px 4px rgba(0,0,0,0.5);
        }

        .carousel-content p {
            font-size: 1.3rem;
            margin-bottom: 30px;
            opacity: 0;
            transform: translateY(30px);
            animation: fadeInUp 1.2s forwards 0.8s;
            text-shadow: 1px 1px 3px rgba(0,0,0,0.5);
        }

        .carousel-btn {
            display: inline-block;
            padding: 16px 35px;
            background: linear-gradient(45deg, #28a745, #20c997);
            color: white;
            text-decoration: none;
            border-radius: 50px;
            font-weight: 700;
            transition: all 0.3s ease;
            opacity: 0;
            transform: translateY(30px);
            animation: fadeInUp 1.2s forwards 1.1s;
            box-shadow: 0 5px 15px rgba(0,0,0,0.2);
            position: relative;
            overflow: hidden;
        }
        
        .carousel-btn:before {
            content: '';
            position: absolute;
            top: 0;
            left: 0;
            width: 100%;
            height: 100%;
            background: linear-gradient(45deg, #20c997, #28a745);
            z-index: -1;
            transition: opacity 0.3s ease;
            opacity: 0;
        }
        
        .carousel-btn:hover {
            transform: translateY(-5px);
            box-shadow: 0 10px 25px rgba(0,0,0,0.3);
        }
        
        .carousel-btn:hover:before {
            opacity: 1;
        }

        .carousel-controls {
            position: absolute;
            bottom: 20px;
            left: 50%;
            transform: translateX(-50%);
            display: flex;
            gap: 10px;
            z-index: 10;
        }

        .carousel-dot {
            width: 14px;
            height: 14px;
            border-radius: 50%;
            background-color: rgba(255,255,255,0.5);
            cursor: pointer;
            transition: all 0.3s ease;
        }

        .carousel-dot.active {
            background-color: white;
            transform: scale(1.2);
        }

        .carousel-arrow {
            position: absolute;
            top: 50%;
            transform: translateY(-50%);
            width: 55px;
            height: 55px;
            background-color: rgba(40, 167, 69, 0.8);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            color: white;
            font-size: 1.5rem;
            cursor: pointer;
            z-index: 10;
            transition: all 0.3s ease;
        }

        .carousel-arrow:hover {
            background-color: #28a745;
            transform: translateY(-50%) scale(1.1);
        }

        .carousel-arrow.prev {
            left: 20px;
        }

        .carousel-arrow.next {
            right: 20px;
        }
 
        

/* Background money image */

 
        .hero-title {
            font-size: 3rem;
            font-weight: 700;
            margin-bottom: 20px;
        }
        /* Background money image */
.hero-section {
    position: relative;
    color: white;
    padding: 80px 0;
    text-align: center;
    overflow: hidden;
}

/* Background image with blur + animation */
.hero-section::before {
    content: "";
    position: absolute;
    inset: 0;
    background: url("../img/ffa.webp") center/cover no-repeat;
    filter: brightness(0.7) blur(3px);
    transform: scale(1.1);
    animation: moveBg 3s ease-in-out infinite alternate;
    z-index: -1;
}

/* Animation for slow zoom/pan effect */
@keyframes moveBg {
    0%   { transform: scale(1.1) translateX(-2%) translateY(-2%); }
    100% { transform: scale(1.2) translateX(2%) translateY(2%); }
}

        .solution-card {
            background: white;
            border-radius: 10px;
            overflow: hidden;
            box-shadow: 0 5px 15px rgba(0,0,0,0.1);
            margin-bottom: 30px;
            transition: transform 0.3s ease;
        }
        
        .solution-card:hover {
            transform: translateY(-5px);
        }
        
       
     .solution-image {
    width: 100%;          /* makes it fit card width */
    height: 200px;        /* fixed height */
    object-fit: cover;    /* keeps aspect ratio, crops if needed */
    display: block;
     }

        .solution-content {
            padding: 25px;
        }
        
        .solution-btn {
            background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
            color: white;
            padding: 10px 20px;
            text-decoration: none;
            border-radius: 20px;
            font-weight: 500;
            text-transform: uppercase;
            display: inline-block;
            margin-top: 15px;
        }
        
        .solution-btn:hover {
            color: white;
            opacity: 0.9;
        }
        .solution-title a {
    color: #29A329;   /* green */
    text-decoration: none;  /* remove underline */
    font-weight: 600; /* make it bold */
    transition: color 0.3s ease;
}

.solution-title a:hover {
    color: #1e7e1e;   /* darker green on hover */
    text-decoration: underline; /* optional hover underline */
}

.solution-title a {
    color: #29A329;   /* green */
    text-decoration: none;  /* remove underline */
    font-weight: 600; /* make it bold */
    transition: color 0.3s ease;
}

.solution-title a:hover {
    color: #1e7e1e;   /* darker green on hover */
    text-decoration: underline; /* optional hover underline */
}

        
        @media (max-width: 768px) {
            .hero-title {
                font-size: 2rem;
            }
            .solution-content {
                padding: 20px;
            }
        }
		/* Requirements Section */
        .requirements {
            background-color: var(--light-green);
            padding: 50px 0;
            border-radius: 10px;
            margin: 40px 0;
        }
        
        .requirements-content {
            background-color: white;
            padding: 30px;
            border-radius: 8px;
            box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
            border-left: 5px solid var(--primary);
        }
        
        .loan-selector {
            margin-bottom: 30px;
            display: flex;
            justify-content: center;
        }
        
        .loan-buttons {
            display: flex;
            flex-wrap: wrap;
            gap: 10px;
            justify-content: center;
        }
        
        .loan-btn {
            background-color: #e8f5e9;
            border: 1px solid var(--primary);
            padding: 10px 20px;
            border-radius: 5px;
            cursor: pointer;
            transition: background-color 0.3s;
            font-weight: 500;
            color: var(--dark);
        }
        
        .loan-btn.active, .loan-btn:hover {
            background-color: var(--primary);
            color: white;
        }
        
        .requirements-list {
            display: none;
            animation: fadeIn 0.5s;
        }
        
        @keyframes fadeIn {
            from { opacity: 0; }
            to { opacity: 1; }
        }
        
        .requirements-list.active {
            display: block;
        }
        
        .requirements-list h3 {
            color: var(--primary);
            margin-bottom: 20px;
            text-align: center;
            padding: 10px;
            background-color: #e8f5e9;
            border-radius: 5px;
        }
        
        .requirements-list ul {
            list-style-position: inside;
            columns: 2;
            column-gap: 30px;
        }
        
        .requirements-list li {
            margin-bottom: 10px;
            padding-left: 10px;
            break-inside: avoid;
            position: relative;
            padding-left: 25px;
        }
        
        .requirements-list li:before {
            content: "✓";
            color: var(--primary);
            font-weight: bold;
            position: absolute;
            left: 0;
        }
        
           .format-guidance {
            font-size: 12px;
            margin-top: 5px;
        }
        .text-muted { color: #6c757d !important; }
        .text-warning { color: #ffc107 !important; }
        .text-danger { color: #dc3545 !important; }
        .text-success { color: #198754 !important; }
        /* Stats Section */
        .stats-section {
            background: linear-gradient(rgba(0,0,0,0.8), rgba(0,0,0,0.8)), url('https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?ixlib=rb-4.0.3&auto=format&fit=crop&w=1500&q=80');
            background-size: cover;
            background-position: center;
            color: white;
            padding: 70px 0;
            text-align: center;
        }
        
        .stats-container {
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 30px;
        }
        
        .stat-item {
            padding: 20px;
        }
        
        .stat-number {
            font-size: 2.5rem;
            font-weight: 700;
            margin-bottom: 10px;
            color: #28a745;
        }
        
        .stat-label {
            font-size: 1.1rem;
            opacity: 0.9;
        }

        /* About Section */
        .about {
            padding: 100px 0;
            background: #f8f9fa;
        }

        .about-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 50px;
            align-items: center;
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 20px;
        }

        .about-image {
            position: relative;
            border-radius: 20px;
            overflow: hidden;
            min-height: 400px;
            box-shadow: 0 10px 30px rgba(0,0,0,0.1);
        }

        .about-image img {
            width: 100%;
            height: 100%;
            object-fit: cover;
            transition: transform 0.5s ease;
        }
        
        .about-image:hover img {
            transform: scale(1.05);
        }

        .about-content h1 {
            font-size: 2.5rem;
            margin-bottom: 20px;
            color: #333;
        }

        .about-content .highlight {
            color: #28a745;
            font-size: 1.2rem;
            font-weight: 600;
            margin-bottom: 20px;
        }

        .features-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin: 30px 0;
        }

        .feature-item {
            display: flex;
            align-items: center;
            gap: 15px;
        }

        .feature-item img {
            width: 40px;
            height: 40px;
            border-radius: 50%;
        }

        /* Image Grid Section - UPDATED TO 3 COLUMNS */
        .image-grid {
            padding: 80px 20px;
            max-width: 1200px;
            margin: 0 auto;
        }

        .grid-title {
            text-align: center;
            margin-bottom: 50px;
            font-size: 2.5rem;
            color: #2c3e50;
            position: relative;
            padding-bottom: 15px;
        }
        
        .grid-title:after {
            content: '';
            position: absolute;
            bottom: 0;
            left: 50%;
            transform: translateX(-50%);
            width: 80px;
            height: 4px;
            background: #28a745;
            border-radius: 2px;
        }

        .grid-container {
            display: grid;
            grid-template-columns: repeat(3, 1fr); /* Changed to 3 columns */
            gap: 25px;
        }

        .grid-item {
            position: relative;
            border-radius: 12px;
            overflow: hidden;
            height: 320px;
            box-shadow: 0 8px 20px rgba(0,0,0,0.12);
            transition: all 0.4s ease;
        }

        .grid-item:hover {
            transform: translateY(-8px);
            box-shadow: 0 15px 30px rgba(0,0,0,0.15);
        }

        .grid-item img {
            width: 100%;
            height: 100%;
            object-fit: cover;
            transition: transform 0.6s ease;
        }

        .grid-item:hover img {
            transform: scale(1.1);
        }

        /* LIGHTER OVERLAY - UPDATED */
        .grid-overlay {
            position: absolute;
            bottom: 0;
            left: 0;
            right: 0;
            background: linear-gradient(transparent, rgba(0,0,0,0.7));
            padding: 25px;
            color: white;
            transition: all 0.4s ease;
            height: 120px;
            overflow: hidden;
        }

        .grid-item:hover .grid-overlay {
            height: 100%;
            background: rgba(0,0,0,0.75);
            backdrop-filter: blur(5px);
            padding-top: 50px;
        }

        .grid-overlay h3 {
            margin-bottom: 12px;
            font-size: 1.6rem;
            font-weight: 600;
        }

        .grid-overlay p {
            opacity: 0;
            max-height: 0;
            transition: all 0.4s ease;
            margin-bottom: 20px;
            line-height: 1.6;
        }

        .grid-item:hover .grid-overlay p {
            opacity: 1;
            max-height: 200px;
        }

        .read-more-btn {
            display: inline-block;
            padding: 10px 20px;
            background-color: #28a745;
            color: white;
            text-decoration: none;
            border-radius: 25px;
            font-weight: 600;
            font-size: 0.95rem;
            transition: all 0.3s ease;
            opacity: 0;
            transform: translateY(15px);
        }

        .grid-item:hover .read-more-btn {
            opacity: 1;
            transform: translateY(0);
        }

        .read-more-btn:hover {
            background-color: #218838;
            transform: translateY(-3px);
            box-shadow: 0 5px 10px rgba(0,0,0,0.2);
        }

/* Loan Calculator Styles */
.loan-calc h4 {
    color: #28a745; /* Green color to match your button */
    margin-bottom: 8px;
    font-size: 18px;
}

.loan-calc p {
    color: rgba(255, 255, 255, 0.8);
    font-size: 12px;
    margin-bottom: 15px;
}

.calculator-form {
    display: flex;
    justify-content: flex-start;
    align-items: flex-start;
    gap: 20px;
}

.calc-inputs {
    flex: 0 0 280px;
}

.calculator-form input, 
.calculator-form button {
    width: 100%;
    padding: 6px;
    margin-bottom: 8px;
    border-radius: 5px;
    border: 1px solid #ccc;
    font-size: 13px;
    height: 34px;
    box-sizing: border-box;
}

.calculator-form button {
    background: #28a745;
    color: #fff;
    border: none;
    font-weight: bold;
    cursor: pointer;
    transition: background-color 0.3s;
}

.calculator-form button:hover {
    background: #218838;
}

.calc-result {
    min-width: 160px;
    font-size: 13px;
    color: #fff;
    line-height: 1.5;
    padding-top: 0; /* Remove padding to align with first input */
    margin-top: -75px; /* Pull table upwards */
}

/* Amortization table styles */
.amortization-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 11px; /* Smaller font size */
    background: white;
    border-radius: 5px;
    overflow: hidden;
    margin-top: 5px;
}

.amortization-table th {
    background: #28a745 !important; /* Green header to match your theme */
    color: white;
    padding: 6px 4px; /* Smaller padding */
    text-align: left;
    font-weight: bold;
    border: none;
    font-size: 11px;
}

.amortization-table td {
    padding: 5px 4px; /* Smaller padding */
    border-bottom: 1px solid #eee;
    color: #333;
    border: none;
    font-size: 11px;
}

.amortization-table tr:last-child {
    font-weight: bold;
    background: #e8f4fd;
}

.amortization-table tr:last-child td {
    border-bottom: none;
}

.amortization-table tr:hover:not(:last-child) {
    background: #f5f5f5;
}

.loading {
    text-align: center;
    padding: 10px;
    color: #fff;
    font-size: 12px;
}

.error {
    color: #ff6b6b;
    padding: 8px;
    background: rgba(255, 255, 255, 0.9);
    border-radius: 4px;
    text-align: center;
    font-size: 12px;
}

/* Align "Amortization Schedule" heading */
.calc-result hr {
    color: #28a745; /* Green color to match */
    margin: 0 0 5px 0;
    font-size: 14px;
    font-weight: bold;
    text-align: left;
}


		/* Values Section */

.values-section {
  padding: 60px 0;
  background-color: #f9f9f9;
  font-family: Arial, sans-serif;
}

.values-grid {
  display: flex;
  gap: 30px;
  flex-wrap: wrap;
  justify-content: center;
}

.value-card {
  background-color: #fff;
  border-radius: 15px;
  padding: 30px 20px;
  flex: 1 1 300px;
  max-width: 350px;
  text-align: center;
  box-shadow: 0 8px 20px rgba(0,0,0,0.1);
  transition: transform 0.3s, box-shadow 0.3s;
}

.value-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 12px 30px rgba(0,0,0,0.15);
}

.icon {
  width: 80px;
  height: 80px;
  margin-bottom: 15px;
}

/* Icon Animations */
.vision-icon {
  animation: binocularsMove 3s infinite ease-in-out alternate;
}

.rocket-icon {
  animation: rocketFly 3s infinite linear;
}

.shield-icon {
  animation: shieldPulse 2s infinite ease-in-out;
}

/* Text fade animation for Values */
@keyframes fadeText {
  0%, 100% { opacity: 0; }
  50% { opacity: 1; }
}

.values-text {
  
  color: #555;
  font-size: 1rem;
  line-height: 1.6;
}

/* Icon keyframes */
@keyframes binocularsMove {
  0% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
  100% { transform: translateY(0); }
}

@keyframes rocketFly {
  0% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-20px) rotate(10deg); }
  100% { transform: translateY(0) rotate(0deg); }
}

@keyframes shieldPulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.1); }
}

        /* Stats Section */
        .stats-section {
            padding: 80px 0;
            background: linear-gradient(to right, var(--primary), var(--secondary));
            color: white;
            text-align: center;
        }
        
        .stats-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 30px;
        }
        
        .stat-item h3 {
            font-size: 3rem;
            margin-bottom: 10px;
        }
        
        @media (max-width: 576px) {
            .carousel-content h1 {
                font-size: 2rem;
            }
            
            .carousel-content p {
                font-size: 1rem;
            }
            
            .carousel-btn {
                padding: 14px 30px;
            }
            
            .newsletter-form {
                flex-direction: column;
            }
            
            .grid-overlay {
                height: 130px;
            }
            
            .contact-info, .contact-form {
                padding: 25px;
            }

        }
        /* Footer  */
.footer {
    position: relative;
    color: white;
    padding: 20px 0 30px;
    overflow: hidden;
}

.footer video {
    position: absolute;
    top: 50%;
    left: 50%;
    min-width: 100%;
    min-height: 100%;
    width: auto;
    height: auto;
    transform: translateX(-50%) translateY(-50%);
    z-index: 0;
    filter: blur(20px); /* Added subtle blur effect */
}

.footer-content, .footer-bottom {
    position: relative;
    z-index: 2;
}


.footer-content {
    display: grid;
    grid-template-columns: 2fr 1.5fr 1.5fr;
    gap: 50px;
    margin-bottom:30px;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 20px;
}

.footer-brand {
    display: flex;
    align-items: center;
    margin-bottom: 25px;
}

.footer-brand img {
    width: 80px;
    height: 60px;
    margin-right: 20px;
    border-radius: 50%;
}

.footer-brand h3 {
    font-size: 2rem;
    margin: 0;
}

.footer-brand p {
    opacity: 0.8;
}

.footer-section h4 {
    margin-bottom: 25px;
    color: #28a745;
    font-size: 1.4rem;
    position: relative;
    padding-bottom: 10px;
}

.footer-section h4:after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 50px;
    height: 3px;
    background: #28a745;
    border-radius: 2px;
}

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

.footer-section ul li {
    margin-bottom: 15px;
}

.footer-section ul li a {
    color: #ccc;
    text-decoration: none;
    transition: all 0.3s ease;
    display: block;
    padding: 5px 0;
}

.footer-section ul li a:hover {
    color: white;
    transform: translateX(5px);
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.2);
    padding-top: 30px;
    text-align: center;
    color: #ccc;
    max-width: 1200px;
    margin: 0 auto;
    padding: 30px 20px 0;
    font-size: 1rem;
}
.calculator-form {
    display: flex;
    justify-content: flex-start;
    align-items: flex-start;
    gap: 20px; /* space between inputs and result */
}

.calc-inputs {
    flex: 0 0 280px;   /* reduce length of input fields */
}

.calculator-form input, 
.calculator-form button {
    width: 100%;           /* take up the reduced width above */
    padding: 6px;          /* keep same height */
    margin-bottom: 8px;
    border-radius: 5px;
    border: 1px solid #ccc;
    font-size: 13px;
    height: 34px;          /* consistent input height */
    box-sizing: border-box;
}

.calculator-form button {
    background: #28a745;
    color: #fff;
    border: none;
    font-weight: bold;
    cursor: pointer;
}

.calc-result {
    min-width: 160px;
    font-size: 13px;
    color: #fff;
    line-height: 1.5;
    padding-top: 4px; /* aligns with top of inputs */
}


.newsletter-form button:hover {
    background: #20c997;
}
        /* Animations */
        @keyframes fadeInUp {
            to {
                opacity: 1;
                transform: translateY(0);
            }
        }
        
        @keyframes fadeIn {
            from {
                opacity: 0;
            }
            to {
                opacity: 1;
            }
        }

        @keyframes pulse {
            0% { transform: scale(1); }
            50% { transform: scale(1.05); }
            100% { transform: scale(1); }
        }
        
        @keyframes float {
            0% { transform: translateY(0px); }
            50% { transform: translateY(-10px); }
            100% { transform: translateY(0px); }
        }

        .dancing-btn {
            animation: pulse 2s infinite;
        }
        
        .floating {
            animation: float 5s ease-in-out infinite;
        }

        /* Responsive Design */
        @media (max-width: 1200px) {
            .grid-container {
                grid-template-columns: repeat(2, 1fr);
            }
            
            .stats-container {
                grid-template-columns: repeat(2, 1fr);
            }
        }
        
        @media (max-width: 992px) {
            .nav-menu {
                gap: 20px;
            }
            
            .carousel-content h1 {
                font-size: 2.8rem;
            }
            
            .footer-content {
                grid-template-columns: 1fr 1fr;
                gap: 40px;
            }
            
            .contact-content {
                grid-template-columns: 1fr;
            }
        }

        @media (max-width: 768px) {
            .navbar-toggler {
                display: block;
            }
            
            .carousel-content h1 {
                font-size: 2.2rem;
            }
            
            .carousel-content p {
                font-size: 1.1rem;
            }
            
            .about-grid {
                grid-template-columns: 1fr;
                gap: 40px;
            }
            
            .grid-container {
                grid-template-columns: 1fr;
            }
            
            .footer-content {
                grid-template-columns: 1fr;
                gap: 40px;
            }
            
            .features-grid {
                grid-template-columns: 1fr;
            }
            
            .navbar-apply-btn {
                display: none;
            }
            
            .stats-container {
                grid-template-columns: 1fr;
            }
        }
 
      /* Custom styles for the compact form */
.compact-form {
    max-width: 800px;
    margin: 0 auto;
    margin-bottom: 3rem; /* ensures space before footer */
}

.compact-form .form-section {
    margin-bottom: 1.5rem;
    padding: 1.5rem;
    background: #f9f9f9;
    border-radius: 8px;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}

.compact-form .section-title {
    font-size: 1.1rem;
    margin-bottom: 1.2rem;
    color: #2c3e50;
    font-weight: 600;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid #28a745; /* green */
}

.compact-form .form-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.8rem;
    margin-bottom: 0.8rem;
}

.compact-form .form-col {
    flex: 1;
    min-width: 150px;
}

.compact-form label {
    display: block;
    font-size: 0.8rem;
    margin-bottom: 0.3rem;
    font-weight: 500;
    color: #34495e;
}

.compact-form input, 
.compact-form select, 
.compact-form textarea {
    width: 100%;
    padding: 0.6rem;
    font-size: 0.9rem;
    border: 1px solid #ddd;
    border-radius: 4px;
    transition: border-color 0.3s;
}

.compact-form input:focus, 
.compact-form select:focus, 
.compact-form textarea:focus {
    border-color: #28a745; /* green */
    outline: none;
    box-shadow: 0 0 0 3px rgba(40, 167, 69, 0.1);
}

.compact-form .form-group {
    margin-bottom: 0.8rem;
}

.compact-form .btn-submit {
    background: #28a745; /* success green */
    color: white;
    padding: 0.8rem 2rem;
    border: none;
    border-radius: 4px;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    margin-top: 1.5rem;
    transition: background 0.3s;
    display: block;
    width: 100%;
}

.compact-form .btn-submit:hover {
    background: #218838; /* darker green */
}

.compact-form .required:after {
    content: "*";
    color: #e74c3c;
    margin-left: 3px;
}

.spacer {
    height: 30px;
}

.instructions {
    margin: 2rem 0;
    padding: 1.5rem;
    background: linear-gradient(135deg, #e6f9f0 0%, #d4edda 100%); /* greenish gradient */
    border-radius: 8px;
    border-left: 4px solid #28a745;
    box-shadow: 0 3px 10px rgba(0,0,0,0.08);
}

.instructions p {
    margin-bottom: 0.8rem;
    line-height: 1.6;
    color: #2c3e50;
}

.instructions p:last-child {
    margin-bottom: 0;
}
.checkbox-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-top: 15px;
}

.checkbox-item input[type="checkbox"] {
    width: auto;
    margin-top: 5px;
    flex-shrink: 0;
}

.checkbox-item label {
    margin-bottom: 0;
    line-height: 1.4;
}

.disclaimer {
    background: #f8f9fa;
    padding: 1.2rem;
    border-radius: 6px;
    margin-top: 1.5rem;
    border: 1px dashed #ccc;
}

.disclaimer h3 {
    font-size: 1.1rem;
    color: #2c3e50;
    margin-bottom: 0.8rem;
    padding-bottom: 0.5rem;
    border-bottom: 1px solid #eee;
}

.disclaimer p {
    font-size: 0.9rem;
    line-height: 1.5;
    color: #555;
    margin-bottom: 0.8rem;
}

.security-item {
    background: #fff8e1;
    padding: 0.8rem;
    border-radius: 6px;
    margin: 1rem 0;
    border-left: 3px solid #ffc107;
}

.security-item p {
    margin: 0;
    font-size: 0.9rem;
    color: #7d6608;
}

.tooltip {
    display: inline-block;
    width: 16px;
    height: 16px;
    background: #28a745; /* green */
    color: white;
    border-radius: 50%;
    text-align: center;
    line-height: 16px;
    font-size: 12px;
    cursor: help;
    margin-left: 5px;
}

        
        .lead {
            font-size: 1.2rem;
            max-width: 800px;
            margin: 0 auto;
            text-shadow: 1px 1px 3px rgba(0, 0, 0, 0.7);
        }
        
        /* Financial Solutions Section */
        .solution-card {
            background-color: white;
            border-radius: 8px;
            overflow: hidden;
            box-shadow: 0 5px 15px rgba(0, 0, 0, 0.1);
            transition: transform 0.3s, box-shadow 0.3s;
            height: 100%;
            border-top: 5px solid var(--primary);
        }
        
        .solution-card:hover {
            transform: translateY(-10px);
            box-shadow: 0 15px 30px rgba(0, 0, 0, 0.15);
        }
        
        .solution-image {
            width: 100%;
            height: 200px;
            object-fit: cover;
        }
        
        .solution-content {
            padding: 20px;
        }
        
        .solution-title {
            color: var(--primary);
            margin-bottom: 15px;
            font-size: 1.5rem;
        }
        
        .solution-title a {
            color: var(--primary);
            text-decoration: none;
        }
        
        .solution-title a:hover {
            color: var(--dark);
            text-decoration: underline;
        }
        
        .solution-description {
            margin-bottom: 20px;
            color: #666;
        }
        
        .btn-container {
            display: flex;
            justify-content: space-between;
            margin-top: 15px;
        }
        
        .btn {
            display: inline-block;
            background-color: var(--primary);
            color: white;
            padding: 10px 20px;
            border: none;
            border-radius: 5px;
            cursor: pointer;
            text-decoration: none;
            font-weight: 600;
            transition: background-color 0.3s;
            text-align: center;
        }
        
        .btn-view {
            background-color: var(--primary);
            flex: 1;
            margin-right: 10px;
        }
        
        .btn-apply {
            background-color: var(--dark);
            flex: 1;
        }
        
        .btn:hover {
            background-color: var(--dark);
            color: white;
        }
        
        .section-title {
            text-align: center;
            margin-bottom: 40px;
            color: var(--primary);
            position: relative;
            padding-bottom: 15px;
            font-weight: bold;
        }
        
        .section-title::after {
            content: '';
            position: absolute;
            bottom: 0;
            left: 50%;
            transform: translateX(-50%);
            width: 80px;
            height: 4px;
            background-color: var(--accent);
        }
        
        /* Requirements Section */
        .requirements {
            background-color: var(--light-green);
            padding: 50px 0;
            border-radius: 10px;
            margin: 40px 0;
        }
        
        .requirements-content {
            background-color: white;
            padding: 30px;
            border-radius: 8px;
            box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
            border-left: 5px solid var(--primary);
        }
        
        .loan-selector {
            margin-bottom: 30px;
            display: flex;
            justify-content: center;
        }
        
        .loan-buttons {
            display: flex;
            flex-wrap: wrap;
            gap: 10px;
            justify-content: center;
        }
        
        .loan-btn {
            background-color: #e8f5e9;
            border: 1px solid var(--primary);
            padding: 10px 20px;
            border-radius: 5px;
            cursor: pointer;
            transition: background-color 0.3s;
            font-weight: 500;
            color: var(--dark);
        }
        
        .loan-btn.active, .loan-btn:hover {
            background-color: var(--primary);
            color: white;
        }
        
        .requirements-list {
            display: none;
            animation: fadeIn 0.5s;
        }
        
        @keyframes fadeIn {
            from { opacity: 0; }
            to { opacity: 1; }
        }
        
        .requirements-list.active {
            display: block;
        }
        
        .requirements-list h3 {
            color: var(--primary);
            margin-bottom: 20px;
            text-align: center;
            padding: 10px;
            background-color: #e8f5e9;
            border-radius: 5px;
        }
        
        .requirements-list ul {
            list-style-position: inside;
            columns: 2;
            column-gap: 30px;
        }
        
        .requirements-list li {
            margin-bottom: 10px;
            padding-left: 10px;
            break-inside: avoid;
            position: relative;
            padding-left: 25px;
        }
        
        .requirements-list li:before {
            content: "✓";
            color: var(--primary);
            font-weight: bold;
            position: absolute;
            left: 0;
        }
.ums-btn {
    display: inline-block;
    padding: 12px 30px;
    background-color: #28a745; /* Normal green */
    color: white;
    text-decoration: none;
    border-radius: 5px;
    font-weight: bold;
    transition: all 0.3s ease-in-out; /* Smooth animation */
}

.ums-btn:hover {
    background-color: #1e7e34; /* Dark green on hover */
    transform: translateY(-3px);
    box-shadow: 0 10px 20px rgba(0, 0, 0, 0.2);
}
.debug-panel {
    font-size: 14px;
    color: #fff;   /* adjust to match your theme */
}

#debugToggle {
    display: none; /* hide the toggle button */
}