/*    */

:root {
  --transition: all 0.3s ease-in-out;
}

[data-theme="light"] {
 --indigo: #3d667f;
 --text: #3d667f;
 --blood-orange: #f1a603;
 --light-bg: #f4f4f4;
 --white: #ffffff;
 --shadow: 0 4px 12px rgba(0, 0, 0, 0.751);
 --cloud-bg: url(/assets/images/cloudbackground.webp);
 --hero-bg: url(/assets/images/herobackground.webp);
 --border: 1px solid black;
 --border2: 1px solid silver;
}

[data-theme="dark"] {
 --indigo: #000069;
 --text: white;
 --blood-orange: #f16603;
 --light-bg: black;
 --white: #ffffff;
 --shadow: 0 4px 12px rgba(239, 239, 239, 0.852);
 --cloud-bg: url(/assets/images/nightsky.webp); 
 --hero-bg: url(/assets/images/herobgdark.webp);
 --border: 1px solid rgb(255, 255, 255);
 --border2: 1px solid #f16603;
}


/*    */

* {
box-sizing: border-box;
}

html {
display: flex;
flex-direction: column;
justify-content: center;
margin: auto;
width: 100%;
max-width: 100vw;
background-color: var(--light-bg);
overflow-x:hidden;
}





body {
display: flex;
flex-direction: column;
margin: auto;
font-family: Arial, sans-serif;
background-color: var(--indigo);;
color: var(--text);
width: 100%;
max-width: 1900px;
overflow-x:hidden;
border: var(--border2);
 box-shadow: var(--shadow);
}


/*  LOAN QUOTE  */

.loanquote-section {
 background-color: var(--indigo);;
  color: #fff;
  padding-top: 200px;
  padding-bottom: 200px;
}

.loanquote-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 3rem;
  align-items: center;
}

.loanquote-text {
  flex: 1 1 400px;
}

.loanquote-text h1 {
  color: white;
  font-size: 4rem;
}

.loanquote-text h2 {
  font-size: 3rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
  text-align: left;
}

.loanquote-step {
  margin-bottom: 1.5rem;
}

.step-title {
  margin: 0;
  font-weight: bold;
}

.step-text {
  border-left: 4px solid var(--blood-orange);
  padding-left: 0.75rem;
  margin-top: 0.3rem;
}

.loanquote-buttons {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 1rem;
}

.button-primary {
  background-color: #fff;
  color: var(--indigo);
  font-weight: bold;
  padding: 0.75rem 1.5rem;
  border-radius: 5px;
  text-decoration: none;
}

.button-outline {
  border: 2px solid #fff;
  color: #fff;
  font-weight: bold;
  padding: 0.75rem 1.5rem;
  border-radius: 5px;
  text-decoration: none;
}

.loanquote-disclaimer {
  margin-top: 1rem;
  font-size: 0.85rem;
  opacity: 0.8;
}

.loanquote-visual {
  flex: 1 1 400px;
  text-align: center;
}

.loanquote-visual img {
  max-width: 100%;
  height: auto;
  border-radius: 10px;
}


/* LOAN CARDS */

.how-it-works {
    padding-top: 4rem;
  padding-bottom: 4rem;
  display: flex;
  flex-direction: column;
   background-image: var(--cloud-bg);
  background-color: var(--indigo);;
  background-blend-mode: screen; /* or overlay, multiply, soft-light, etc. */
  background-size: cover;
  background-repeat: no-repeat;
  background-position: center;
  border-top: var(--border);
  border-bottom: var(--border);
}

.how-title {
  text-align: center;
  color: var(--text);;
  font-size: 2.4em;
  margin-bottom: 40px;
}

.cards-wrapper {
  display: flex;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
}

.steps {
  text-align: center;
background-color: var(--indigo);;
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 25px;
  flex: 1 1 calc(33.333% - 40px);
  min-width: 280px;
  max-width: 400px;
  box-sizing: border-box;
}

.steps h3,
.steps h4,
.steps p {
  color: #ffffff;
}

.steps h3 {
  font-size: 2rem;
}

.padded-section {
  padding: 40px;
  max-width: 768px;
  margin:auto;
}

.loan-title {
  text-align: center;
  color: rgb(255, 255, 255);
  font-size: 2.4em;
  margin-bottom: 40px;
}

.cards-wrapper {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: stretch;
  gap: 20px;
  margin-bottom: 40px;
}

.loan-card {
  color: #ffffff;
  border-radius: 12px;
  box-shadow:var(--shadow);
  padding: 25px;
  flex: 1 1 calc(33.333% - 40px);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-width: 100%;
  max-width: 900px;
  min-height: 550px;
  position:relative;
  box-sizing: border-box;
}
.loancard-content {
  flex-grow: 1;
}

.loancard-footer {
  margin-top: 20px;
  text-align: center;
}

.loan-card h3 {
  color: var(--blood-orange);
  margin-bottom: 10px;
  text-align: left;
  font-size:2rem;
}

.loan-card h2 {
  text-align: center;
}

.loan-card p {
  margin-top: 10px;
  text-align: left;
}

.loan-card ul, .loan-card ol, dd, dt {
  padding-left: 20px;
  margin-top: 15px;
  color: #ffffff;
  text-align: left;
}

.loan-card img.loandee {
  max-width: 100%;
  height: auto;
  display: block;
  margin: 15px auto;
}


/* HEADER STRUCTURE */

.tcl-header {
  position: sticky;
  top: 0;
  z-index: 9999;
  width: 100%;
  background-image: var(--cloud-bg);
  background-color: var(--indigo);
  background-blend-mode: screen;
  background-size: cover;
  background-repeat: no-repeat;
  background-position: center;
  box-shadow: 0 2px 4px rgba(0,0,0,0.1);
  font-family: Barlow, sans-serif;
}

.tcl-topbar {
  background-color: var(--indigo);;
  color: #fff;
  font-size: 0.9rem;
  padding: 0.5rem 1.5rem;
  display: flex;
  justify-content: flex-end;
}

.tcl-top-links a {
  color: #fff;
  text-decoration: none;
  margin: 0 0.5rem;
  text-align: center;
}

.tcl-navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 1.5rem;
  max-width: 1200px;
  margin:auto;

}

.tcl-logo img {
  max-height: 100px;
}

.tcl-buttons {
  display: flex;
  gap: 1rem;
}

.tcl-flyout-nav {
  display: flex;
  flex-wrap: wrap;
  padding: 30px;
  gap: 30px;
}

.menu-col {
    display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 1.5rem;
  min-width: 140px;
  flex: 1;
  text-align: left;
}

.menu-col h3 {
  margin-bottom: 10px;
  color: #ffffff;
}

.menu-col ul {
  list-style: none;
  padding: 0;
}

.menu-col li {
  margin-bottom: 6px;
}

.menu-col a {
  color: #ffffff;
  text-decoration: none;
  font-size: 15px;
  transition: color 0.3s ease;

}

.menu-col a:hover {
  color: var(--blood-orange);
  text-decoration: underline;
}

.tcl-flyout-toggle {
  background-color: var(--blood-orange);
  color: #ffffff;
border: var(--border);
border-radius: 6px;
  padding: 8px 16px;
  margin-left: 12px;
  font-weight: bold;
  cursor: pointer;
  border-radius: 4px;
  transition: all 0.3s ease;
}

.tcl-flyout-toggle:hover {
background-color: #002244;
}

.tcl-flyout-wrapper {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(0, 0, 0, 0.4);
  display: none;
  z-index: 9999;
}

.tcl-flyout-wrapper.active {
  display: flex;
  align-items: flex-start;
  justify-content: flex-end;
}

.tcl-flyout-backdrop {
  flex: 1;
  height: 100%;
}

.tcl-flyout-nav {
  width: 350px;
  max-width: 100%;
  height: 100%;
  background-color: var(--indigo);;
  color: #fff;
  overflow-y: auto;
  padding: 30px;
  box-shadow: -4px 0 10px rgba(0, 0, 0, 0.4);
  animation: slideIn 0.3s ease forwards;
}

.tcl-flyout-close {
  background: none;
  border: none;
  color: white;
  font-size: 2rem;
  position: absolute;
  top: 20px;
  right: 20px;
  cursor: pointer;
  z-index: 10001;
  transition: color 0.2s ease;
}

.tcl-flyout-close:hover {
  color: var(--blood-orange);
}
.tcl-flyout-nav {
  position: relative;
}

@keyframes slideIn {
  from {
    transform: translateX(100%);
  }
  to {
    transform: translateX(0);
  }
}

/* HERO SECTION */

  .hero-section {
   
    color: #fff;
    padding: 5rem 2rem;
  }

  .hero-content {
    max-width: 1200px;
    margin: 0 auto;
  }

  .hero-section h1 {
    font-size: 4rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
   color:white;
   text-align: left;
  }

  .hero-subtitle {
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
  }

  .hero-description {
    font-size: 1.125rem;
    max-width: 600px;
    font-weight: 500;
    margin-bottom: 2rem;
  }

  .hero-button {
    display: inline-block;
    background-color: var(--blood-orange);
    color: #fff;
    font-weight: bold;
    padding: 0.9rem 1.75rem;
    border-radius: 6px;
    text-decoration: none;
    font-size: 1rem;
    transition: background 0.3s ease;
  }

  .hero-button:hover {
    background-color: #bb2f1a;
  }

  .hero-disclaimer {
    font-size: 0.875rem;
    color: #ddd;
    margin-top: 1rem;
  }


/*  LOAN PAGES  */

.loanpages {
 background-color: var(--indigo);;
 display: flex;
 flex-direction:column;
 width: 100%;
 max-width: 1200px;
 margin: auto;
 color: white;
 padding: 3.5rem;
 margin: auto;
 justify-content:center;
 gap: 40px;
}

.sidebar {
  width: 700px;
  border-radius: 16px;
  overflow: hidden;
 box-shadow: 0 10px 5px rgba(255, 255, 255, 0.487);
  font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
  margin: auto;
  border: 1px solid #ccc;
  background: #e7f8fd;

}

.mainbar {
 width:100%;
 max-width: 768px;
}

.sidebarheader {
  background: linear-gradient(to right, #fefefe, #f1f1f1);
  padding: 10px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  border-bottom: 1px solid #ccc;
  text-align: center
}

.sidebarheader h2 {
  font-size: 24px;
  color: #102542;
  position: relative;
  padding-bottom: 5px
}

.sidebarheader h2::after {
  content: "";
  position: absolute;
  width: 60px;
  height: 4px;
  background: #009688;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  border-radius: 2px
}

.sidebarheader h3 {
  font-size: 18px;
  color: #444;
  margin-top: 10px;
  font-weight: 600
}

.stateflag {
  width: 120px;
  height: auto;
  border: 2px solid #999;
  margin: 0 auto;
  border-radius: 8px
}

.sidebarbody {
  background: #e7f8fd;
  padding: 30px
}

.sidebarbody h4 {
  font-size: 22px;
  color: #0c3d6b;
  margin-bottom: 20px;
  text-align: center
}

.datapoint {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 6px 0;
  border-bottom: 1px dashed #bbb
}

.datapoint strong {
  color: #004d4d;
  font-size: 14px;
  flex: 1
}

.datapoint p {
  color: #333;
  font-size: 14px;
  margin: 0;
  flex: 1;
  text-align: right
}


/*  LOAN TYPES   */

.rightloan-section {
  background-color: var(--indigo);;
  padding: 4rem 2rem;
}

.rightloan-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 3rem;
  align-items: center;
}

.rightloan-text {
  flex: 1 1 400px;
}

.rightloan-text h2 {
  font-size: 2rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
  color: #ffffff;
}

.rightloan-point {
  margin-bottom: 1.25rem;
}

.point-title {
  font-weight: bold;
  margin-bottom: 0.3rem;
  color: var(--blood-orange);
}

.point-text {
  border-left: 4px solid var(--blood-orange);
  padding-left: 0.75rem;
  margin: 0;
  color: #ffffff;
}

.rightloan-buttons {
  margin-top: 2rem;
}

.rightloan-buttons .button-primary {
  background-color: var(--blood-orange);
  color: white;
  padding: 0.75rem 1.5rem;
  border: none;
  border-radius: 6px;
  text-decoration: none;
  font-size: 1rem;
  font-weight: 600;
  transition: background-color 0.3s ease;
}

.rightloan-buttons .button-primary:hover {
  background-color: #d94112;
}

.rightloan-disclaimer {
  margin-top: 1rem;
  font-size: 0.9rem;
  color: #666;
}

.rightloan-visual {
  flex: 1 1 400px;
  text-align: center;
}

.rightloan-visual img {
  max-width: 100%;
  height: auto;
}


/*  FOOTER SECTION   */

footer,
.footer {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  flex-direction: column;
  width: 100%;
  max-width: 100vw;
  background-color: var(--indigo);;
  color: #ffffff;
  border-top: var(--border2);
  font-family: 'Segoe UI', Tahoma, sans-serif;
}

/*  FAQ SECTION  */

.faq-section {
  display: flex;
  flex-direction:column-reverse;
 background-color: var(--indigo);
 
  gap: 40px;
  padding: 40px;
  margin: 0 auto;
  color:white;
}

.faq-question {
  color: var(--white);
  font-weight: 700;
}

.faq-container {
  flex: 1 1 70%;
  min-width: 300px;
  max-width: 700px;
  margin: auto;
}

.faq-title {
  color: rgb(255, 255, 255);
  font-size: 2.2em;
  margin-bottom: 30px;
}

.faq {
  max-width: 700px;
  font-size: 1.1rem;
  margin: auto;
}

.faq-item {
  margin-bottom: 30px;
}

.faq-email {
  color: var(--white);
  text-decoration: underline;
}

/* === SOCIAL SECTION === */
.socials {
  padding: 2rem 2rem;
  max-width: 400px;
  margin:auto;
}

.socials h3 {
  color: #ffffff;
  text-align: center;
  font-size: 2rem;
  margin: 20px;
}

.socialicons {
  display: flex;
  justify-content: center;
  margin: auto;
  gap: 15px;
}

.socialicon {
  width: 100px;
  transition: transform 0.2s ease;
}

.socialicon:hover {
  transform: scale(1.1);
}

.sociallinks p {
  color:white;
}

/* === LEGAL + TYPOGRAPHY === */
.footer-legal {
   background-image: var(--cloud-bg);
  background-color: var(--indigo);;
  background-blend-mode: screen;
  background-size: cover;
  background-repeat: no-repeat;
  background-position: center;
  color: var(--indigo);
  padding: 30px;
  font-size: 0.9rem;
}

.centered {
  text-align: center;
}

.margin-top-lg {
  margin-top: 20px;
}

.legal-link {
  color: var(--blood-orange);
  text-decoration: underline;
}

.legal-link:hover {
  color: yellow;
}

/* BUTTONS */

.glam-button {
  display: inline-block;
  padding: 14px 36px;
  font-size: 1.1em;
  font-weight:900;
  color: white;
  background: linear-gradient(to right, #ff8c00, #ff4400);
  border: 4px solid transparent;
  border-radius: 999px;
  background-clip: padding-box;
  position: relative;
  box-shadow: 0 0 12px rgba(255, 85, 0, 0.71), 0 0 20px rgb(255, 162, 0), inset 0 0 10px rgba(255, 255, 255, 0.982);
  text-decoration: none;
  text-align: center;
  z-index: 1;
  margin: auto;
  align-self:center;
  min-width: 200px;
  margin: 10px;
}

.glam-button:hover {
  background: linear-gradient(to right, #ff0400, #dd6000);
  transform: scale(1.03);
}

button {
  padding: 12px;
  border: none;
  border-radius: 6px;
  font-size: 1em;
  color: white;
  font-weight: bold;
  background-color: var(--blood-orange);
  cursor: pointer;
  transition: background 0.3s ease;
}

button:hover {
  background: #b34200;
}

/* NEWLETTER SECTION */

.newsletter {
  background: transparent;
 
 max-width: 100vw;

  display: flex;
  flex-direction: column;
  margin: auto;
  align-items: center;
  
}
.newsletter-form h3 {
  color: var(--text);
  text-align: center;
}

.newsletter-form img {
  max-width: 100%;
}

#newsletterForm {
  width: 100%;
  padding-top: 4rem;
  padding-bottom: 4rem;
  border-radius: 10px;
  border: var(--border);
}

form {
  display: flex;
  flex-direction: column;
}

label {
  color: #000000;
  margin-bottom: 5px;
  font-weight: bold;
}

input {
  background: white;
  color: var(--indigo);;
  border: none;
  border-radius: 5px;
  padding: 10px;
  margin-bottom: 20px;
  font-size: 1em;
}

/* TESTIMONIAL CSS  */

.testimonial-section {

  padding: 4rem 4rem;
  text-align: center;
}

.testimonial-title {
  font-size: 2rem;
  color: #003366;
  margin-bottom: 2rem;
}

.testimonial-carousel {
  max-width: 700px;
  margin: 0 auto;
}

.carousel-track-wrapper {
  width: 100%;
  overflow: hidden;
}

.carousel-track {
  display: flex;
  transition: transform 0.5s ease-in-out;
}

.testimonial-card {
  flex: 0 0 100%;
  box-sizing: border-box;
  padding: 1.5rem;
  background-color: var(--indigo);;
  margin: 0;
  border-radius: 12px;
  text-align: center;
  font-weight: 700;
  color: #ffffff;
  border: var(--border2);
  box-shadow: var(--shadow);
}

.testimonial-card img {
  margin: auto;
  width: 40%;
}

.testimonial-card p {
  font-size: 1.25rem;
  margin-bottom: 1rem;
}

.testimonial-card h4 {
  font-weight: bold;
  margin: 0;
}

.carousel-controls {
  margin-top: 1.5rem;
  display: flex;
  justify-content: center;
  gap: 2rem;
}

.carousel-btn {
  font-size: 2rem;
  background: none;
  border: none;
  cursor: pointer;
  color: #003366;
}


/* TABBED SECTION */

.tabsection {
    background-image: var(--cloud-bg);
  background-color: var(--indigo);;
  background-blend-mode: screen; /* or overlay, multiply, soft-light, etc. */
  background-size: cover;
  background-repeat: no-repeat;
  background-position: center;
    padding-top: 4rem;
  padding-bottom: 4rem;
  display: flex;
}

.tab-wrapper {
  width: 100%;
  max-width: 1200px;
  padding: 1.5rem;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  flex-wrap: wrap;
}

.tabs {
  display: flex;
  justify-content: space-around;
  border-bottom: 2px solid #ddd;
  margin-bottom: 2rem;
  flex-wrap: wrap;
}

.tab {
  cursor: pointer;
  padding: 10px 20px;
  text-align: center;
  color: #666;
  border-bottom: 3px solid transparent;
  transition: all 0.3s;
}

.tab.active {
  color: var(--blood-orange);
  border-color: var(--blood-orange);
  font-weight: bold;
}

.content-panel {
  display: none;
}

.content-panel.active {
  display: grid;
  grid-template-columns: repeat(3, 1fr); /* Force 3 columns */
  gap: 1.5rem;
  align-items: start; /* Ensures row alignment for uneven content */
}

.card {
  background: white;
  border-radius: 10px;
  border: var(--border2);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  height: 100%;
}

.card-header {
  background-color: var(--indigo);;
  border-radius: 10px 10px 0 0;
}

.card-header h3 {
  color: #ffffff;
  padding: 1.5rem;
  margin: 0;
}

.card p {
  padding: 1.5rem;
  margin: 0;
  flex-grow: 1;
}

.card a {
  margin-top: auto;
  color: var(--blood-orange);
  padding: 1.5rem;
  text-decoration: none;
  font-weight: bold;
  display: block;
}

.highlight-box {
  background-color: var(--indigo);
  color: white;
  padding: 2rem;
  border-radius: 12px;
  display: flex;
  min-height: 400px;
border: var(--border);
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow);
  margin-right: 100px;
}

.highlight-box button {
  margin-top: 1.5rem;
  padding: 20px 20px;
  background: var(--blood-orange);
  color: white;
  border: var(--border);
  font-weight: bold;
  border-radius: 5px;
  cursor: pointer;
  align-self: flex-start;
  text-decoration: none;
}

.highlight-box button:hover {
  background-color: darkred;
}

/* CALCULATORS */

    .calculator-container {
     width: 100%;
      max-width: 800px;
      margin: 50px auto;
      background: var(--light-bg);
      padding: 2rem;
      border-radius: 1rem;
      box-shadow: var(--shadow);
      padding: 2rem;
      color: var(--text);
   
    }

    h1 {
      text-align: center;
      color: var(--text);
    }

    .calculator-container label {
      display: block;
      margin-top: 1rem;
      font-weight: bold;
      color: var(--text);
    }

    input, select {
      width: 100%;
      padding: 0.5rem;
      margin-top: 0.25rem;
      border: 1px solid #ccc;
      border-radius: 0.5rem;
      font-size: 1rem;
    }

    button {
      background: var(--blood-orange);
      color: var(--white);
      border: none;
      padding: 0.75rem 1.5rem;
      font-size: 1rem;
      border-radius: 0.5rem;
      cursor: pointer;
      margin-top: 1.5rem;
    }

    .results, .amortization {
      margin-top: 2rem;
      padding: 1rem;
      background: #fff;
      border: 1px solid #ccc;
      border-radius: 0.5rem;
    }

    table {
      width: 100%;
      border-collapse: collapse;
      margin-top: 1rem;
    }

    th, td {
      border: 1px solid #ddd;
      padding: 0.5rem;
      text-align: right;
    }

    th {
      background-color: #eee;
    }

    .download-btn {
      display: block;
      margin-top: 1rem;
      background: var(--indigo);
    }

   
    .container {
     width: 100%;
      max-width: 800px;
      margin: 50px auto;
      background: var(--light-bg);
      padding: 2rem;
      border-radius: 1rem;
      box-shadow: var(--shadow);
    }

    h1 {
      text-align: center;
      color: var(--text);
    }

    .entry {
      display: flex;
      gap: 1rem;
      margin-top: 1rem;
    }

    .entry input, .entry select {
      padding: 0.5rem;
      font-size: 1rem;
      flex: 1;
    }

    .entry button {
      background: var(--blood-orange);
      color: white;
      border: none;
      padding: 0.5rem 1rem;
      border-radius: 0.5rem;
      cursor: pointer;
    }

    #entries {
      margin-top: 1rem;
    }

    #results {
      margin-top: 2rem;
      text-align: center;
    }

    canvas {
     width: 100%;
      max-width: 300px;
      margin: auto;
    }

    .calcpages {
      background: var(--indigo);
    }

        .highlight-section {
      background: var(--indigo);
      color: white;
      padding: 2rem;
      margin-bottom: 2rem;
      width: 100%;
      max-width: 800px;
      margin: auto;
      display: flex;
      flex-wrap: wrap;
      align-items: center;
      justify-content: space-between;
      gap: 2rem;
    }

    .highlight-text {
      flex: 1 1 300px;
    }

    .highlight-text h2 {
      font-size: 2rem;
      margin-bottom: 1rem;
    }

    .highlight-point {
      margin-bottom: 1rem;
    }

    .highlight-point strong {
      color: var(--blood-orange);
      display: inline-block;
      margin-bottom: 0.25rem;
    }

    .highlight-visual {
      flex: 1 1 250px;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .highlight-visual img {
      max-width: 100%;
      height: auto;
    }

/* FIRST PAGE FORM */

.formy-section {
  background-color: var(--blood-orange);
  border: var(--border);
  width: 100%;
  box-shadow: 0 0 15px rgba(0, 0, 0, 0.1);
  padding: 30px;
  border-radius: 8px;
  max-width: 500px;
  min-height: 400px;
  box-shadow: var(--shadow);
}

#newsletterForm {
  background-color: var(--light-bg);
  box-shadow: var(--shadow);
}

.formy-section h2 {
  color: white;
}

.formy-section form {
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow);
}

.formy-section label {
  margin-bottom: 16px;
  font-weight: bold;
  font-size: 16px;
  color: #003366;
  display: block;
}

.formy-section select {
  width: 100%;
  max-width: 100%;
  padding: 12px;
  font-size: 14px;
  border-radius: 6px;
  border: 1px solid #ccc;
  margin-top: 6px;
  box-sizing: border-box;
}

.formy-section button {
  color: #ffffff;
  font-weight: bold;
  padding: 14px;
  border: var(--border);
  border-radius: 6px;
  font-size: 16px;
  cursor: pointer;
  margin-top: 10px;
  transition: background-color 0.3s ease;
}

/* APPLY CSS */

form {
  max-width: 800px;
  margin: 0 auto;
  background: #ffffff;
  padding: 2rem;
  border-radius: 8px;
  box-shadow: 0 0 30px rgba(0, 0, 0, 0.06);
}

h2 {
  font-size: 1.6rem;
  margin-bottom: 1.25rem;
  text-align: center;
}

input[type="text"],
input[type="tel"],
input[type="number"],
input[type="date"],
input[type="email"],
input[type="password"],
select {
  display: block;
  width: 100%;
  padding: 0.75rem;
  margin-bottom: 1rem;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-size: 1rem;
}

input[type="range"] {
  width: 100%;
  margin-bottom: 1rem;
}

#loanAmountDisplay {
  display: block;
  font-weight: bold;
  font-size: 1.2rem;
  text-align: center;
  margin-bottom: 1rem;
}

button {
  background-color: #003366;
  color: #fff;
  border: none;
  padding: 0.75rem 1.5rem;
  font-size: 1rem;
  border-radius: 6px;
  cursor: pointer;
  display: block;
  margin: 1.5rem auto 0 auto;
  transition: background 0.3s ease;
}

button:hover {
  background-color: #001f4d;
}

label {
  margin-bottom: 0.5rem;
  display: block;
}

input[type="checkbox"] {
  margin-right: 0.5rem;
}

.form-section {
  display: none;
  animation: fadeIn 0.3s ease-in-out;
}

.form-section.active {
  display: block;
}

#previousAddressFields {
  margin-top: 1rem;
  padding-left: 0.5rem;
  border-left: 3px solid #ccc;
}

/* Loan Type Grid */
.loan-type-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-bottom: 2rem;
}

.loan-type-grid label {
  text-align: center;
  cursor: pointer;
  border: 1px solid #ccc;
  border-radius: 6px;
  padding: 1rem 0.5rem;
  background: #f2f2f2;
  transition: border 0.3s ease, background 0.3s ease;
}

.loan-type-grid label:hover {
  border-color: #003366;
  background: #e7f0fa;
}

.loan-type-grid img {
  max-width: 150px;
  align-self:center;
  margin-bottom: 0.5rem;
}

/* Review Section Styling */
#reviewContainer {
  background: #f9f9f9;
  padding: 1rem;
  margin-bottom: 1.5rem;
  border: 1px solid #ddd;
  border-radius: 6px;
  font-size: 0.95rem;
}

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



/* RESPONISE DESIGNS */

@media (max-width:1024px) {
  .content-panel.active {
    grid-template-columns: repeat(2, 1fr)
  }
    .loan-type-grid {
    grid-template-columns: repeat(2, 1fr);
  }
    .form-section {
    padding: 40px;
    width: 90%;
    margin: auto;
    margin-bottom: 20px;
    border-radius: 10px;
    box-shadow: 0 0 15px rgba(0, 0, 0, 0.1);
  }

  label {
    font-size: 13px;
  }
  select
{
    font-size: 13px;
    padding: 8px;
  }

  form label {
    margin-bottom: 15px;
  }
    .container {
    flex-direction:column;
    width: 100%;
    margin: auto;
  }



  .badges {
    max-width: 768px;
  }

  button {
    font-size: 14px;
    padding: 12px;
    width: 100%;
  }
}

@media (max-width:1023px) and (min-width:768px) {
  .steps {
    flex: 1 1 calc(50% - 30px)
  }

  .loan-card {
    flex: 1 1 calc(50% - 30px)
  }
}

@media (max-width:767px) {

  .calculator-container,
  .highlight-section,
  .container {
    width: 100%;
    max-width: 100vw
  }

  footer {
    align-items: flex-start
  }

  .tcl-navbar {
    flex-direction: column;
    gap: 20px
  }

  .tcl-buttons {
    flex-direction: column
  }

  .tcl-flyout-nav {
    flex-direction: column
  }

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

  .loan-card {
    flex: none;
    width: 100%;
    max-width: 100vw
  }

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

  .steps {
    flex: none;
    width: 100%;
    max-width: 400px
  }

  .loanpages {
    flex-direction: column
  }

  .sidebar {
    width: 100%;
    max-width: 100vw
  }
    .container {
    flex-direction: column;
  }
  .left, .right {
    width: 100%;
  }

  .faq-section {
    flex-direction:column-reverse;
  }

  .faq-container {
    width: 90%;
  }

  .newsletter {
    width: 90%;
  }
}

@media (max-width:640px) {
  .content-panel.active {
    grid-template-columns: 1fr
  }
}

@media (max-width:600px) {
  .hero-section h1 {
    font-size: 2rem
  }

  .hero-subtitle {
    font-size: 1.75rem
  }

  .hero-description {
    font-size: 1rem
  }

  .loan-card h3 {
    font-size: 1.25rem
  }
    form {
    padding: 1.5rem 1rem;
  }

  h2 {
    font-size: 1.25rem;
  }

  .loan-type-grid {
    grid-template-columns: 1fr;
  }

  button {
    width: 100%;
  }
}

@media (max-width:500px) {
  .socialicon {
    margin-bottom: 10px;
    width: 80px
  }
    .logocontainer {
    width: 100%;
  }
}

/* HOME */

.homecontainer {
  display: flex;
  flex-direction: row;
  width: 100%;
   max-width: 100vw;
  padding: 20px;
  margin: auto;
  justify-content:center;
  background-image: var(--hero-bg);
  background-size:cover;
  background-repeat:no-repeat;
  border-bottom: var(--border);
}

.left {
  display: flex;
  flex-direction: column;
  width: 100%;
  

   
}

.innercontent {
  background: var(--blue-gradient);
  color: white;
  padding: 50px;
}

.loandee {
  width: 200px;
  margin: auto;
}

.login {
  width: 200px;
  margin: auto;
}

@keyframes breathe {
  0%, 100% {
    box-shadow: 0 0 12px rgba(40, 167, 69, 0.4),
                0 0 20px rgba(40, 167, 69, 0.2),
                inset 0 0 10px rgba(0, 0, 0, 0.2);
  }
  50% {
    box-shadow: 0 0 24px rgba(40, 167, 69, 0.6),
                0 0 32px rgba(40, 167, 69, 0.3),
                inset 0 0 14px rgba(0, 0, 0, 0.3);
  }
}

article {
  background-image: var(--cloud-bg);
  background-color: var(--indigo);;
  background-blend-mode: screen;
  background-size: cover;
  background-repeat: no-repeat;
  background-position: center;
  padding: 2rem;
  max-width: 800px;
  width: 100%;
  border-radius: 12px;
  border: 2px solid var(--blood-orange, #f2a41e);
  text-align: left;
  flex: 1 1 600px;
}

article h1 {
  font-size: 2.5rem;
  text-align: left;
  
}

article h2 {
  text-align: left;
}


/* PARTNER BAR */
.partners {
  background-color: var(--blood-orange);
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: center;
  padding: 100px;
}

.partners h2 {
  text-align: center;
  color:white;
  font-size:2rem;
  margin:50px;
}

.partnercard {
  display: flex;
  flex-direction: column;
  max-width: 300px;
  background-color: var(--light-bg);
  border-radius: 10px;
  border: 1px solid #ccc;
  overflow: hidden;
box-shadow: var(--shadow);
  padding: 15px;
  text-align: center;
  min-height: 400px;
}

.partner-logo-wrap {
  width: 100%;
  display: flex;
  justify-content: center;
  align-items: center;
  height: 150px;
  overflow: hidden;
}

.partner-images {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
}

.partnercard h3 {
  font-size: 1.3rem;
  color: var(--text);
  font-weight: 700;
  margin: 0.5rem 0 0.2rem;
}

.partnercard h4 {
  font-size: 1.1rem;
  color: var(--blood-orange);
  font-weight: 500;
  margin: 0 0 0.2rem;
}

.partnercard p {
  font-size: 0.95rem;
  color: var(--text);
  margin: 0.5rem 0;
}

.partnercard h5 a {
  font-size: 0.9rem;
  color: var(--blood-orange);
  font-weight: 500;
  text-decoration: underline;
}

@media (max-width: 768px) {
  .partnercard {
    max-width: 90%;
  }
}

@media (max-width: 480px) {
  .partnercard {
    max-width: 100%;
  }
}

.sociallinks {
  display: flex;
  flex-direction: column;
  margin: auto;
  text-align: center;
}

.legal-block {
  background: #f4f4f4;
  border-radius: 10px;
  margin: 15px auto;
  padding: 10px 20px;
  max-width: 900px;
  border: 1px solid #ccc;
}

.legal-block summary {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--indigo);
  cursor: pointer;
  padding: 10px 0;
}

.legal-block p, .legal-block ul {
  font-size: 0.95rem;
  line-height: 1.5;
  color: #333;
}

.legal-block[open] summary::after {
  content: " ▲";
}

.legal-block summary::after {
  content: " ▼";
  font-size: 0.9rem;
}

a {
  text-decoration: none;
}

/* 🔹 WRAPPER */
.tcl-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
  padding: 20px;
  background: #ffffff;
  border-radius: 12px;
  border: 2px solid var(--blood-orange, #f2a41e);
  max-width: 400px;
  width: 100%;
  flex: 1 1 300px;
}

/* 🔹 CARD */
.tcl-sidebar-card {
  background: #fff;
  border-radius: 12px;
  padding: 20px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  border: 1px solid #e6e6e6;
  cursor: pointer;
}

.tcl-sidebar-card:hover {
  transform: scale(1.015);
  box-shadow: 0 6px 16px rgba(0,0,0,0.12);
}

.tcl-sidebar-card:active {
  transform: scale(0.985);
  box-shadow: 0 3px 8px rgba(0,0,0,0.1);
}


.tcl-sidebar-title {
  font-size: 18px;
  font-weight: bold;
  color: #003366;
  margin-bottom: 10px;
  line-height: 1.4;
}

.tcl-sidebar-description {
  font-size: 14px;
  color: #333;
  margin-bottom: 15px;
}

.tcl-sidebar-button {
  display: inline-block;
  background-color: var(--blood-orange, #f2a41e);
  color: #fff;
  padding: 10px 16px;
  border-radius: 6px;
  font-weight: bold;
  text-decoration: none;
  transition: background-color 0.2s ease;
}

.tcl-sidebar-button:hover {
  background-color: #cf8719;
}

/* 🔹 RESPONSIVE TWEAKS */
@media (max-width: 768px) {
  .tcl-sidebar {
    padding: 16px;
    gap: 16px;
  }

  .tcl-sidebar-card {
    padding: 16px;
  }

  .tcl-sidebar-title {
    font-size: 16px;
  }

  .tcl-sidebar-description {
    font-size: 13px;
  }
}

@media (max-width: 480px) {
  .tcl-sidebar {
    padding: 12px;
    gap: 12px;
  }

  .tcl-sidebar-card {
    padding: 14px;
  }

  .tcl-sidebar-title {
    font-size: 15px;
  }

  .tcl-sidebar-description {
    font-size: 12px;
  }
}

main {
  display: flex;
  justify-content: center;
  align-items: flex-start;
  gap: 20px;
  flex-wrap: wrap;
  padding: 40px 20px;
}

@media (max-width: 1024px) {
  main {
    flex-direction: column;
    align-items: center;
  }

  article, .tcl-sidebar {
    max-width: 100%;
    margin: 0 auto;
  }
}

.led-ticker {
  background: #000;
  overflow: hidden;
  white-space: nowrap;
  padding: 10px 0;
  font-family: 'Press Start 2P', monospace;
  font-size: 12px;
  border-top: 3px solid #222;
  border-bottom: 3px solid #222;
}
.led-scroll {
  display: inline-block;
  animation: scrollLed 25s linear infinite;
}
@keyframes scrollLed {
  0% { transform: translateX(100%); }
  100% { transform: translateX(-100%); }
}
.stock-up {
  color: #00ff00;
  text-shadow: 0 0 4px #00ff00;
}
.stock-down {
  color: #ff3333;
  text-shadow: 0 0 4px #ff3333;
}
.stock-neutral {
  color: #ffff00;
  text-shadow: 0 0 4px #ffff00;
}
.stock-separator {
  color: #666;
  margin: 0 10px;
}

.led-ticker {
  background: #111;
  color: #fff;
  padding: 6px 10px;
  overflow: hidden;
  white-space: nowrap;
  font-family: monospace;
  font-size: 14px;
}

.led-scroll span {
  margin-right: 16px;
}

.stock-up {
  color: #00eeff;
}
.stock-down {
  color: var(--blood-orange);
}
.stock-neutral {
  color: white;
}

.crypto-ticker {
  background: #000;
  color: #0ff;
  font-family: monospace;
  font-size: 14px;
  padding: 6px 10px;
  white-space: nowrap;
  overflow: hidden;
}

.crypto-ticker .stock-up {
  color: #00eeff;
}
.crypto-ticker .stock-down {
  color: var(--blood-orange);
}
.crypto-ticker .stock-neutral {
  color: white;
}

.news-ticker {
  background: #000;
  color: #fff;
  font-family: monospace;
  overflow: hidden;
  white-space: nowrap;
  border-top: 2px solid var(--blood-orange);
}

.news-headline {
  padding: 0 1.5rem;
  display: inline-block;
  animation: scroll-left 30s linear infinite;
}

@keyframes scroll-left {
  0% { transform: translateX(100%); }
  100% { transform: translateX(-100%); }
}

      body {
      background-color: var(--indigo);
      }
      .dashboard-wrapper {
      max-width: 900px;
      margin: 40px auto;
      padding: 30px;
      background-image: var(--cloud-bg);
      background-color: var(--indigo);
      background-blend-mode: screen; /* or overlay, multiply, soft-light, etc. */
      background-size: cover;
      background-repeat: no-repeat;
      background-position: center;
      border-radius: 20px;
      box-shadow: var(--shadow);
      color: var(--text);
      text-align: center;
      }
      .dashboard-header {
      display: flex;
      align-items: center;
      justify-content: space-between;
      margin-bottom: 20px;
      flex-wrap: wrap;
      gap: 1rem;
      }
      .dashboard-logo {
      width: 60px;
      flex-shrink: 0;
      }
      .signout-btn {
      background-color: var(--blood-orange);
      color: white;
      border: none;
      padding: 10px 16px;
      border-radius: 5px;
      font-weight: bold;
      cursor: pointer;
      }
      .dashboard-grid {
      display: flex;
      justify-content: space-between;
      flex-wrap: wrap;
      gap: 20px;
      text-align: left;
      }
      .column {
      flex: 1;
      min-width: 300px;
      }
      .edit-btn,
      .save-btn {
      margin-top: 20px;
      background-color: #fca311;
      color: white;
      padding: 10px 16px;
      border: none;
      border-radius: 6px;
      font-weight: bold;
      cursor: pointer;
      }
      .optional-note {
      background-color: rgba(255, 255, 255, 0.7);
      padding: 10px;
      border-left: 4px solid #f24e1e;
      margin: 10px 0;
      font-size: 0.9em;
      }
      .offers-section {
      margin-top: 40px;
      text-align: center;
      }
      .offers-section h2 {
      font-size: 1.8em;
      margin-bottom: 10px;
      }
      .mascot-offer {
      max-width: 100px;
      margin-top: 15px;
      }
      /* ========== TABLET RESPONSIVE (≤1024px) ========== */
      @media (max-width: 1024px) {
      .dashboard-wrapper {
      padding: 25px;
      }
      .dashboard-grid {
      flex-direction: column;
      align-items: stretch;
      }
      .column {
      width: 100%;
      }
      .dashboard-header {
      flex-direction: column;
      align-items: center;
      text-align: center;
      }
      .dashboard-header h1 {
      margin-top: 10px;
      }
      }
      /* ========== MOBILE RESPONSIVE (≤640px) ========== */
      @media (max-width: 640px) {
      .dashboard-wrapper {
      padding: 20px 15px;
      margin: 20px 10px;
      }
      .signout-btn,
      .edit-btn,
      .save-btn {
      width: 100%;
      font-size: 1rem;
      padding: 12px;
      }
      .offers-section h2 {
      font-size: 1.5em;
      }
      .optional-note {
      font-size: 0.85em;
      }
      .dashboard-logo {
      width: 50px;
      }
      }

      #loanApplicationForm {
              background-image: var(--cloud-bg);
      background-color: var(--indigo);
      background-blend-mode: screen; /* or overlay, multiply, soft-light, etc. */
      background-size: cover;
      background-repeat: no-repeat;
      background-position: center;
      border-radius: 20px;
      box-shadow: var(--shadow);
      color: var(--text);
      margin-top: 100px;
      margin-bottom: 100px;

      }