/* =====================================================
   PLACEHOLDERLENDING SITE OVERRIDES
   Consolidated design system for consistent styling
   ===================================================== */

/* =============================
   CSS VARIABLES - DESIGN TOKENS
   ============================= */
:root {
  /* Primary Brand Colors */
  --color-primary: #29aae2; /* light / primary */
  --color-primary-dark: #1b3860; /* dark */
  --color-primary-light: #66d7f3; /* light tint */
  
  /* Secondary/Accent Colors */
  --color-accent: #98c739;
  --color-accent-dark: #7da82d;
  
  /* Neutral Colors */
  --color-dark: #333333;
  --color-gray: #6e6e6e;
  --color-gray-light: #c5c5c5;
  --color-light: #f5f5f5;
  --color-white: #ffffff;
  --color-black: #000000;
  
  /* Background Colors */
  --bg-light: #f5f5f5;
  --bg-medium: #eeeeee;
  --bg-dark: #252525;
  
  /* Semantic Colors */
  --color-success: #28a745;
  --color-warning: #ffc107;
  --color-danger: #dc3545;
  --color-info: #17a2b8;
  
  /* Spacing Scale */
  --space-xs: 5px;
  --space-sm: 10px;
  --space-md: 20px;
  --space-lg: 30px;
  --space-xl: 50px;
  --space-xxl: 100px;
  
  /* Border Radius */
  --radius-sm: 3px;
  --radius-md: 5px;
  --radius-lg: 8px;
  --radius-round: 50%;
  
  /* Shadows */
  --shadow-sm: 0 2px 4px rgba(0,0,0,0.1);
  --shadow-md: 0 4px 8px rgba(0,0,0,0.15);
  --shadow-lg: 0 8px 16px rgba(0,0,0,0.2);
  
  /* Transitions */
  --transition-fast: 0.15s ease;
  --transition-base: 0.3s ease;
  --transition-slow: 0.5s ease;
  
  /* Font size design tokens (typography scale) */
  --font-size-xx-large: 34px;
  --font-size-x-large: 28px;
  --font-size-large: 20px;
  --font-size-medium: 16px;
  --font-size-small: 14px;
}

/* =============================
   LAYOUT UTILITIES
   ============================= */
/* Full width sections */
.section-full { 
  width: 100%; 
  margin: 0; 
  padding: 0; 
}

.container-full { 
  width: 100%; 
}

.row-full { 
  width: 100%; 
}

.full-width-img,
img.full-width { 
  width: 100%; 
  display: block; 
}

.w-100 { 
  width: 100% !important; 
}

/* Flexbox utilities */
.d-flex { 
  display: flex !important; 
}

.align-items-start { 
  align-items: flex-start !important; 
}

.align-items-center { 
  align-items: center !important; 
}

.justify-content-center { 
  justify-content: center !important; 
}

.justify-content-between { 
  justify-content: space-between !important; 
}

.flex-1 { 
  flex: 1 !important; 
}

/* =============================
   SPACING UTILITIES
   ============================= */
/* Padding */
.p-0 { padding: 0 !important; }
.p-5 { padding: 5px !important; }
.p-10 { padding: 10px !important; }
.p-15 { padding: 15px !important; }
.p-20 { padding: 20px !important; }
.p-25 { padding: 25px !important; }
.p-30 { padding: 30px !important; }
.p-40 { padding: 40px !important; }
.p-50 { padding: 50px !important; }

/* Padding Top */
.pt-10 { padding-top: 10px !important; }
.pt-15 { padding-top: 15px !important; }
.pt-20 { padding-top: 20px !important; }
.pt-25 { padding-top: 25px !important; }
.pt-30 { padding-top: 30px !important; }
.pt-40 { padding-top: 40px !important; }
.pt-50 { padding-top: 50px !important; }

/* Padding Bottom */
.pb-10 { padding-bottom: 10px !important; }
.pb-15 { padding-bottom: 15px !important; }
.pb-20 { padding-bottom: 20px !important; }
.pb-25 { padding-bottom: 25px !important; }
.pb-30 { padding-bottom: 30px !important; }
.pb-40 { padding-bottom: 40px !important; }
.pb-50 { padding-bottom: 50px !important; }
.pb-100 { padding-bottom: 100px !important; }

/* Padding Y (Top & Bottom) */
.py-10 { padding-top: 10px !important; padding-bottom: 10px !important; }
.py-15 { padding-top: 15px !important; padding-bottom: 15px !important; }
.py-20 { padding-top: 20px !important; padding-bottom: 20px !important; }
.py-25 { padding-top: 25px !important; padding-bottom: 25px !important; }
.py-30 { padding-top: 30px !important; padding-bottom: 30px !important; }
.py-40 { padding-top: 40px !important; padding-bottom: 40px !important; }
.py-50 { padding-top: 50px !important; padding-bottom: 50px !important; }

/* Padding X (Left & Right) */
.px-10 { padding-left: 10px !important; padding-right: 10px !important; }
.px-15 { padding-left: 15px !important; padding-right: 15px !important; }
.px-20 { padding-left: 20px !important; padding-right: 20px !important; }
.px-30 { padding-left: 30px !important; padding-right: 30px !important; }

/* Margins */
.m-0 { margin: 0 !important; }
.m-5 { margin: 5px !important; }
.m-10 { margin: 10px !important; }
.m-15 { margin: 15px !important; }
.m-20 { margin: 20px !important; }
.m-30 { margin: 30px !important; }

/* Margin Top */
.mt-0 { margin-top: 0 !important; }
.mt-5 { margin-top: 5px !important; }
.mt-10 { margin-top: 10px !important; }
.mt-15 { margin-top: 15px !important; }
.mt-20 { margin-top: 20px !important; }
.mt-30 { margin-top: 30px !important; }
.mt-40 { margin-top: 40px !important; }
.mt-50 { margin-top: 50px !important; }
.mt-4 { margin-top: 1.5rem !important; }

/* Margin Bottom */
.mb-0 { margin-bottom: 0 !important; }
.mb-5 { margin-bottom: 5px !important; }
.mb-10 { margin-bottom: 10px !important; }
.mb-15 { margin-bottom: 15px !important; }
.mb-20 { margin-bottom: 20px !important; }
.mb-30 { margin-bottom: 30px !important; }
.mb-40 { margin-bottom: 40px !important; }
.mb-50 { margin-bottom: 50px !important; }
.mb-3 { margin-bottom: 1rem !important; }
.mb-5-rem { margin-bottom: 5rem !important; }

/* Margin Auto */
.mx-auto { margin-left: auto !important; margin-right: auto !important; }

/* =============================
   TYPOGRAPHY
   ============================= */
/* Global heading styles to ensure headings are visually distinct site-wide */
h1 {
  font-size: var(--font-size-xx-large);
  line-height: 1.2;
  margin: 0 0 0.5rem 0;
  color: var(--color-dark);
  font-weight: 400;
}

h2 {
  font-size: var(--font-size-x-large);
  line-height: 1.25;
  margin: 0 0 0.5rem 0;
  color: var(--color-dark);
  font-weight: 600;
}

h3 {
  font-size: var(--font-size-large);
  line-height: 1.3;
  margin: 0 0 0.5rem 0;
  color: var(--color-dark);
  font-weight: 600;
}

h4 {
  font-size: var(--font-size-medium);
  line-height: 1.35;
  margin: 0 0 0.5rem 0;
  color: var(--color-dark);
  font-weight: 600;
}

/* Ensure headings inside collapsible panels (.content1) are still prominent but slightly reduced for hierarchy */
.content1 h1 { font-size: calc(var(--font-size-xx-large) - 4px); }
.content1 h2 { font-size: calc(var(--font-size-x-large) - 2px); }
.content1 h3 { font-size: var(--font-size-large); }
.content1 h4 { font-size: calc(var(--font-size-medium) - 2px); }

/* Text Alignment */
.text-left { text-align: left !important; }
.text-center { text-align: center !important; }
.text-right { text-align: right !important; }

/* Font Sizes */
.font-size-xx-large { font-size: var(--font-size-xx-large) !important; }
.font-size-x-large { font-size: var(--font-size-x-large) !important; }
.font-size-larger { font-size: var(--font-size-larger) !important; }
.font-size-large { font-size: var(--font-size-large) !important; }
.font-size-medium { font-size: var(--font-size-medium) !important; }
.font-size-small { font-size: var(--font-size-small) !important; }

/* Font Weights */
.font-weight-300 { font-weight: 300 !important; }
.font-weight-400 { font-weight: 400 !important; }
.font-weight-500 { font-weight: 500 !important; }
.font-weight-600 { font-weight: 600 !important; }
.font-weight-bold { font-weight: 700 !important; }

/* =============================
   COLOR UTILITIES
   ============================= */
/* Text Colors */
.text-primary { color: var(--color-primary) !important; }
.text-accent { color: var(--color-accent) !important; }
.text-dark { color: var(--color-dark) !important; }
.text-gray { color: var(--color-gray) !important; }
.text-white { color: var(--color-white) !important; }
.text-themecolor1 { color: var(--color-primary-dark) !important; }
.text-themecolor2 { color: var(--color-primary) !important; }
.text-333 { color: var(--color-dark) !important; }
.text-fff { color: var(--color-white) !important; }
.text-6e6 { color: var(--color-gray) !important; }

/* Background Colors */
.bg-primary { background-color: var(--color-primary) !important; }
.bg-accent { background-color: var(--color-accent) !important; }
.bg-light { background-color: var(--bg-light) !important; }
.bg-medium { background-color: var(--bg-medium) !important; }
.bg-dark { background-color: var(--bg-dark) !important; }
.bg-white { background-color: var(--color-white) !important; }
.background-themecolor1 { background-color: var(--color-primary-dark) !important; }
.background-themecolor2 { background-color: var(--color-primary) !important; }
.background-light { background-color: var(--bg-light) !important; }
.background-medium { background-color: var(--bg-medium) !important; }
.background-dark { background-color: var(--bg-dark) !important; }
.bg-color-f5f { background-color: #f5f5f5 !important; }

/* =============================
   BUTTONS
   ============================= */
/* Base Button Styles */
.themesflat-button,
.flat-button,
.btn,
button.comment-submit {
  display: inline-block;
  padding: 12px 30px;
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
  text-align: center;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition-base);
  text-decoration: none;
  line-height: 1.5;
}

/* Primary Button */
.apply-now-btn,
.themesflat-button.bg-accent,
.bg-accent {
  background-color: var(--color-primary) !important;
  color: var(--color-white) !important;
  border-color: var(--color-primary) !important;
}

.apply-now-btn:hover,
.themesflat-button.bg-accent:hover {
  background-color: var(--color-primary-dark) !important;
  border-color: var(--color-primary-dark) !important;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* Button Sizes */
.btn-sm {
  padding: 8px 20px;
  font-size: 12px;
}

.btn-lg,
.has-padding-36 {
  padding: 14px 36px;
  font-size: 16px;
}

/* Button with Shadow */
.has-shadow {
  box-shadow: var(--shadow-sm);
}

.has-shadow:hover {
  box-shadow: var(--shadow-md);
}

/* Outline Buttons */
.themesflat-button.outline {
  background-color: transparent !important;
  border: 2px solid var(--color-primary);
  color: var(--color-primary) !important;
}

.themesflat-button.outline:hover {
  background-color: var(--color-primary) !important;
  color: var(--color-white) !important;
}

/* =============================
   SECTIONS & CONTAINERS
   ============================= */
.section {
  padding: 50px 0;
}

.flat-row {
  padding: 40px 0;
}

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 15px;
}

.row {
  display: flex;
  flex-wrap: wrap;
  margin: 0 -15px;
}

.row > [class*="col-"] {
  padding: 0 15px;
}

/* Heights */
.h-50 {
  height: 50px;
}

/* Boxed Layout */
.boxed { 
  overflow: hidden; 
  position: relative; 
  margin: 5px;
}

/* =============================
   FOOTER
   ============================= */
.muse-footer {
  background: #f1f2f4;
  color: #173558;
  font-size: 13px;
  line-height: 1.65;
  padding: 20px 0 0;
}

.muse-footer-header {
  align-items: center;
  display: flex;
  justify-content: space-between;
  margin-bottom: 18px;
}

.muse-footer-logo img {
  display: block;
  height: auto;
  max-width: 55px;
  width: auto;
}

.muse-footer-nav,
.muse-footer-bottom-links {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
}

.muse-footer-nav a,
.muse-footer-bottom a {
  color: #006dcc;
}

.muse-footer-nav a:hover,
.muse-footer-bottom a:hover {
  text-decoration: underline;
}

.muse-footer-copy p {
  margin: 0 0 14px;
}

.muse-footer-copy strong {
  color: #102b4a;
}

.muse-footer-copy a {
  color: #006dcc;
}

.muse-footer-badges {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin: 38px 0 30px;
}

.muse-footer-badge {
  display: block;
  height: auto;
  max-height: 100px;
  max-width: 175px;
  object-fit: contain;
  width: auto;
}

.muse-footer-badge-hidden {
  display: none;
}

.muse-footer-bottom {
  align-items: center;
  border-top: 1px solid #d7dce2;
  display: flex;
  justify-content: space-between;
  padding: 13px 0 8px;
}

.muse-footer-bottom .copyright {
  color: #173558;
}

.footer {
  background-color: var(--bg-light);
  padding: 40px 0 20px;
}

.footer-bottom {
  background-color: var(--bg-dark);
  padding: 20px 0;
  margin-top: 30px;
}

.footer-bottom--black {
  background-color: var(--color-black) !important;
}

.footer-dark-text {
  color: var(--color-white) !important;
}

.footer-link {
  color: var(--color-primary-light) !important;
  transition: color var(--transition-base);
}

.footer-link:hover {
  color: var(--color-white) !important;
  text-decoration: underline;
}

.center-links {
  display: block;
  text-align: right;
}

.center-links a {
  font-size: 16px !important;
  color: var(--color-white);
  margin: 0 5px;
}

.center-links a:hover {
  color: var(--color-primary) !important;
}

/* Ensure footer links inside .center-links use the lighter theme blue and have the correct hover color */
.center-links a.footer-link {
  color: var(--color-primary-light) !important;
  transition: color var(--transition-base);
}

.center-links a.footer-link:hover {
  color: var(--color-white) !important;
  text-decoration: underline;
}

/* Footer copyright color follows the theme */
.footer-copyright {
  color: var(--color-primary-light) !important;
}

/* Right-justify footer links in their column */
.footer-links-col .center-links {
  display: block;
  text-align: right;
}

/* Keep links readable on small screens by centering them */
@media (max-width: 576px) {
  .muse-footer-header,
  .muse-footer-bottom {
    align-items: flex-start;
    flex-direction: column;
    gap: 14px;
  }

  .muse-footer-nav {
    font-size: 12px;
  }

  .muse-footer-badges {
    gap: 16px;
    margin-top: 28px;
  }

  .footer-links-col .center-links {
    text-align: center;
  }
}

/* =============================
   TABLES
   ============================= */
.custom-table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
}

.custom-table th,
.custom-table td {
  border: 0;
  padding: 12px;
  text-align: center;
}

.custom-table th {
  background-color: var(--bg-medium);
  font-weight: 600;
  color: var(--color-dark);
}

.custom-table tr:nth-child(even) {
  background-color: var(--bg-light);
}

.custom-table2 {
  width: 100%;
  border-collapse: collapse;
}

.custom-table2 th,
.custom-table2 td {
  font-size: large;
  border: 0;
  padding: 12px;
  text-align: left;
}

.custom-table2 th {
  background-color: var(--bg-medium);
  font-weight: 600;
}

/* =============================
   ABOUT/FEATURE BOXES
   ============================= */
.muse-hero-section {
  display: flex;
  min-height: 520px;
  align-items: center;
  justify-content: flex-end;
  padding: 60px max(30px, calc((100% - 1170px) / 2)) 60px 30px;
  background: linear-gradient(90deg, rgba(27, 56, 96, 0.05), rgba(27, 56, 96, 0.25)), url('../images/top1.jpg') center center / cover no-repeat;
}

.muse-hero-content {
  max-width: 500px;
  padding: 35px 40px;
  background-color: transparent;
  color: var(--color-dark);
  transform: translateX(100px);
}

.muse-hero-content h1 {
  margin: 0 0 20px;
  color: var(--color-primary-dark);
  font-size: clamp(30px, 4vw, 48px);
  font-weight: 700;
  line-height: 1.15;
}

.muse-hero-content ul {
  margin: 0 0 28px;
  padding-left: 24px;
  font-size: 18px;
  line-height: 1.7;
}

.muse-hero-content li::marker {
  color: var(--color-primary);
}

@media (max-width: 767px) {
  .muse-hero-section {
    min-height: 500px;
    justify-content: center;
    padding: 40px 15px;
    background-position: -470px top;
  }

  .muse-hero-content {
    padding: 28px 25px;
    transform: none;
    color: var(--color-white);
  }

  .muse-hero-content h1 {
    color: var(--color-white);
  }

  .muse-hero-content ul {
    font-size: 16px;
  }
}

.loan-process-section {
  padding: 70px 0 80px;
  background-color: var(--color-white);
}

.loan-process-intro {
  max-width: 1100px;
  margin: 0 auto 45px;
  text-align: center;
}

.loan-process-intro h2 {
  margin: 0 0 18px;
  color: var(--color-dark);
  font-size: clamp(24px, 3vw, 32px);
  font-weight: 400;
  line-height: 1.2;
  white-space: nowrap;
}

.loan-process-lead {
  margin: 0 0 8px;
  color: var(--color-dark);
  font-size: clamp(18px, 2.25vw, 24px);
  font-weight: 600;
  line-height: 1.25;
  white-space: nowrap;
}

.loan-process-lead strong {
  padding: 2px 7px;
  background-color: var(--color-primary);
}

.loan-process-contact {
  margin: 0;
  color: var(--color-dark);
  font-size: 20px;
  font-weight: 600;
}

.loan-process-contact a {
  color: var(--color-primary);
}

.loan-process-steps {
  display: flex;
  position: relative;
  gap: 20px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.loan-process-steps::before {
  content: "";
  position: absolute;
  z-index: 0;
  top: 100px;
  right: 12%;
  left: 12%;
  height: 7px;
  border-radius: var(--radius-md);
  background-color: var(--color-gray-light);
}

.loan-process-step {
  position: relative;
  z-index: 1;
  flex: 1 1 25%;
  min-width: 0;
  text-align: center;
}

.loan-process-image-wrap {
  position: relative;
  width: 190px;
  height: 190px;
  margin: 0 auto 28px;
  overflow: visible;
  border: 8px solid var(--color-dark);
  border-radius: var(--radius-round);
  background-color: var(--color-white);
  box-shadow: 0 0 0 6px var(--color-white);
}

.loan-process-image-wrap img {
  display: block;
  width: 100%;
  height: 100%;
  border-radius: var(--radius-round);
  object-fit: cover;
  transition: transform var(--transition-base), filter var(--transition-base);
}

.loan-process-image-wrap:hover {
  z-index: 3;
}

.loan-process-image-wrap:hover img {
  transform: scale(1.08) rotate(2deg);
  filter: brightness(1.08) saturate(1.12);
}

.loan-process-icon {
  position: absolute;
  z-index: 2;
  top: -30px;
  right: -30px;
  display: flex;
  width: 62px;
  height: 62px;
  align-items: center;
  justify-content: center;
  border: 4px solid var(--color-white);
  border-radius: var(--radius-round);
  background-color: var(--color-primary);
  color: var(--color-white);
  font-family: "FontAwesome";
  font-size: 30px;
  box-shadow: var(--shadow-sm);
}

@media (prefers-reduced-motion: reduce) {
  .loan-process-image-wrap img {
    transition: none;
  }

  .loan-process-image-wrap:hover img {
    transform: none;
    filter: none;
  }
}

.loan-process-icon-apply::before {
  content: "\f15c";
}

.loan-process-icon-amount::before {
  content: "\f155";
}

.loan-process-icon-approved::before {
  content: "\f164";
}

.loan-process-icon-funds::before {
  content: "\f0d6";
}

.loan-process-number {
  position: absolute;
  bottom: -27px;
  left: 50%;
  color: var(--color-primary);
  font-size: 86px;
  font-weight: 700;
  line-height: 1;
  text-shadow: 2px 3px 0 var(--color-white), 3px 4px 5px rgba(0, 0, 0, 0.35);
  transform: translateX(-50%);
}

.loan-process-step h3 {
  min-height: 58px;
  margin: 0;
  padding: 0 8px;
  color: var(--color-dark);
  font-size: 22px;
  font-weight: 400;
  line-height: 1.25;
}

@media (max-width: 992px) {
  .loan-process-steps {
    gap: 10px;
  }

  .loan-process-image-wrap {
    width: 160px;
    height: 160px;
  }

  .loan-process-steps::before {
    top: 85px;
  }

  .loan-process-step h3 {
    font-size: 19px;
  }
}

@media (max-width: 767px) {
  .loan-process-section {
    padding: 50px 15px 60px;
  }

  .loan-process-intro {
    margin-bottom: 35px;
  }

  .loan-process-intro h2,
  .loan-process-lead {
    white-space: normal;
  }

  .loan-process-contact {
    font-size: 17px;
  }

  .loan-process-steps {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 40px 10px;
  }

  .loan-process-steps::before {
    display: none;
  }

  .loan-process-image-wrap {
    width: 140px;
    height: 140px;
    margin-bottom: 22px;
  }

  .loan-process-number {
    bottom: -20px;
    font-size: 68px;
  }

  .loan-process-icon {
    top: -24px;
    right: -24px;
    width: 52px;
    height: 52px;
    font-size: 24px;
  }

  .loan-process-step h3 {
    min-height: 48px;
    font-size: 17px;
  }
}

@media (max-width: 480px) {
  .loan-process-steps {
    grid-template-columns: 1fr;
  }
}

.loan-cta-section {
  padding: 25px 0;
  background-color: var(--color-primary);
}

.loan-cta-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 30px;
}

.loan-cta-inner p {
  margin: 0;
  color: var(--color-white);
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 600;
  line-height: 1.25;
  text-align: center;
}

.loan-cta-button {
  flex: 0 0 auto;
  background-color: var(--color-primary-dark) !important;
  border-color: var(--color-primary-dark) !important;
  color: var(--color-white) !important;
}

.loan-cta-button:hover,
.loan-cta-button:focus {
  background-color: var(--color-white) !important;
  border-color: var(--color-white) !important;
  color: var(--color-primary-dark) !important;
}

.funds-use-section {
  padding: 75px 0 85px;
  background-color: var(--color-light);
}

.home-faq-section {
  padding: 75px 0;
  background-color: var(--color-white);
}

.home-faq-section h2 {
  margin: 0 0 30px;
  color: var(--color-dark);
  font-size: clamp(30px, 4vw, 42px);
  font-weight: 600;
  line-height: 1.2;
  text-align: center;
}

.home-faq-section .flat-accordion {
  max-width: 900px;
  margin: 0 auto;
}

.funds-use-section h2 {
  margin: 0 0 35px;
  color: var(--color-dark);
  font-size: clamp(30px, 4vw, 42px);
  font-weight: 600;
  line-height: 1.2;
  text-align: center;
}

.funds-use-section h2 span {
  color: var(--color-primary);
}

.funds-use-layout {
  position: relative;
  display: grid;
  grid-template: 1fr 1fr / 1fr 1fr;
  width: 100%;
  max-width: 1080px;
  min-height: 440px;
  margin: 0 auto;
  gap: 20px;
}

.funds-use-column {
  display: contents;
}

.funds-use-image {
  position: relative;
  z-index: 1;
  grid-area: 1 / 1 / 3 / 3;
  align-self: center;
  justify-self: center;
  width: min(36%, 360px);
  margin: 0;
}

.funds-use-image img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.funds-use-item {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: flex-start;
  width: min(100%, 310px);
  margin: 0;
  padding: 16px;
  border: 1px solid rgba(27, 56, 96, 0.12);
  border-radius: var(--radius-md);
  background-color: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow-md);
}

.funds-use-column-left .funds-use-item:nth-child(1) {
  grid-area: 1 / 1;
  align-self: start;
  justify-self: start;
  margin-top: 36px;
}

.funds-use-column-left .funds-use-item:nth-child(2) {
  grid-area: 2 / 1;
  align-self: end;
  justify-self: start;
  margin-bottom: 36px;
}

.funds-use-column-right .funds-use-item:nth-child(1) {
  grid-area: 1 / 2;
  align-self: start;
  justify-self: end;
  margin-top: 36px;
}

.funds-use-column-right .funds-use-item:nth-child(2) {
  grid-area: 2 / 2;
  align-self: end;
  justify-self: end;
  margin-bottom: 36px;
}

.funds-use-icon {
  display: flex;
  flex: 0 0 42px;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  margin-right: 13px;
  border-radius: var(--radius-round);
  background-color: var(--color-primary);
  color: var(--color-white);
  font-family: "FontAwesome";
  font-size: 20px;
}

.funds-use-icon-personal::before {
  content: "\f155";
}

.funds-use-icon-car::before {
  content: "\f1b9";
}

.funds-use-icon-medical::before {
  content: "\f0fa";
}

.funds-use-icon-home::before {
  content: "\f015";
}

.funds-use-item h3 {
  margin: 0 0 6px;
  color: var(--color-dark);
  font-size: 18px;
  font-weight: 600;
  line-height: 1.25;
}

.funds-use-item p {
  margin: 0;
  color: var(--color-gray);
  font-size: 14px;
  line-height: 1.5;
}

@media (max-width: 992px) {
  .funds-use-layout {
    gap: 20px;
  }

  .funds-use-image {
    width: min(39%, 330px);
  }

  .funds-use-item {
    width: min(100%, 290px);
  }
}

@media (max-width: 767px) {
  .funds-use-section {
    padding: 55px 15px 65px;
  }

  .funds-use-section h2 {
    margin-bottom: 30px;
  }

  .funds-use-layout {
    display: flex;
    flex-direction: column;
    min-height: 0;
    gap: 18px;
    max-width: 500px;
  }

  .funds-use-column {
    display: block;
  }

  .funds-use-image {
    order: -1;
    width: 100%;
    max-width: 500px;
    margin: 0 auto 6px;
  }

  .funds-use-item {
    width: 100%;
    margin: 0 !important;
  }

  .funds-use-column .funds-use-item:last-child {
    margin-bottom: 0;
  }
}

@media (max-width: 767px) {
  .loan-cta-inner {
    flex-direction: column;
    gap: 15px;
  }
}

.about-box {
  border-collapse: collapse;
  margin: 0 auto;
  width: 100%;
}

.about-box td {
  width: 300px;
  height: 300px;
  text-align: center;
  vertical-align: middle;
  padding: 32px 8px;
  font-size: 1.2rem;
  transition: all var(--transition-base);
}

.about-box td:hover {
  background-color: var(--bg-light);
  transform: translateY(-5px);
}

.about-box img,
.about-img {
  width: 100%;
  max-width: 100px;
  height: auto;
  object-fit: contain;
  display: inline-block;
  margin-bottom: 15px;
}

.about-box h3 {
  font-size: 20px;
  color: var(--color-dark);
  margin-bottom: 15px;
  font-weight: 600;
}

.about-box p {
  padding: 0 10px;
  color: var(--color-gray);
  line-height: 1.6;
}

/* =============================
   HOW IT WORKS
   ============================= */
.howitworks-img {
  width: 100%;
  max-width: 250px;
  height: auto;
  object-fit: contain;
  display: inline-block;
  margin-bottom: 20px;
}

.howitworks-cell,
.contact-cell {
  font-size: 16px;
  padding: 20px;
}

.how-steps {
  list-style: none;
  padding: 0;
}

.how-steps li {
  margin-bottom: 30px;
  padding: 20px;
  background-color: var(--bg-light);
  border-radius: var(--radius-md);
  transition: all var(--transition-base);
}

.how-steps li:hover {
  box-shadow: var(--shadow-md);
  transform: translateX(5px);
}

.requirements {
  list-style: disc;
  padding-left: 20px;
}

.requirements li {
  margin-bottom: 10px;
  font-size: 18px;
  line-height: 1.8;
  color: var(--color-dark);
}

/* =============================
   CONTACT
   ============================= */
.contact-solutions-section {
  padding: 0;
}

.contact-solutions-container {
  position: relative;
  overflow: hidden;
}

.contact-solutions-image {
  display: block;
  width: 100%;
  height: auto;
}

.contact-solutions-content {
  position: absolute;
  top: 50%;
  left: 0;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 45px 30px 45px 100px;
  transform: translateY(-50%);
}

.contact-solutions-content h2 {
  max-width: 460px;
  margin: 0 0 22px;
  color: var(--color-white);
  font-size: clamp(12px, 1.5vw, 17px);
  font-weight: 600;
  line-height: 1.25;
}

.contact-table p {
  font-size: 18px !important;
  line-height: 1.8;
}

.contact-table a {
  font-size: 17px !important;
  color: var(--color-primary);
  transition: color var(--transition-base);
}

.contact-table a:hover {
  color: var(--color-primary-dark);
  text-decoration: underline;
}

/* Contact icon styles - SVG icons that use currentColor for theme integration */
.contact-icon {
  width: 100px;
  height: 100px;
  display: inline-block;
  color: var(--color-primary);
  transition: color var(--transition-base), transform var(--transition-base);
}

.contact-icon-link {
  display: inline-block;
  text-decoration: none;
}

.contact-icon-link:hover .contact-icon {
  color: var(--color-primary-dark);
  transform: scale(1.1);
}

/* =============================
   FAQS & TOGGLES
   ============================= */
.flat-accordion {
  width: 100%;
  margin: 20px 0;
}

.flat-toggle {
  margin-bottom: 10px;
  border-radius: var(--radius-md);
  overflow: hidden;
}

.toggle-title {
  padding: 15px 20px !important;
  height: auto !important;
  min-height: 50px;
  font-size: 18px !important;
  font-weight: 600;
  cursor: pointer;
  background-color: var(--color-primary) !important;
  color: var(--color-white) !important;
  transition: all var(--transition-base);
  display: flex;
  align-items: center;
}

.toggle-title:hover {
  background-color: var(--color-primary-dark) !important;
}

.toggle-title.active {
  background-color: var(--color-primary-dark) !important;
}

.toggle-content {
  padding: 20px;
  font-size: 16px !important;
  background-color: var(--bg-light) !important;
  color: var(--color-dark);
  line-height: 1.8;
  display: none;
}

.toggle-content p {
  margin-bottom: 10px;
}

.collapsible {
  background-color: var(--color-primary);
  color: var(--color-white);
  cursor: pointer;
  padding: 18px;
  width: 100%;
  border: none;
  text-align: left;
  outline: none;
  font-size: 16px;
  font-weight: 600;
  transition: all var(--transition-base);
}

.collapsible.active,
.collapsible:hover {
  background-color: var(--color-primary-dark) !important;
}

.content1 {
  padding: 15px 20px;
  display: none;
  overflow: hidden;
  background-color: var(--bg-light);
  font-size: 15px;
  line-height: 1.8;
}

/* Nested list indentation for content panels */
.content1 ul ul {
  padding-left: 30px; /* indent sub-bullets */
  margin-top: 6px;
}
.content1 ul ul ul {
  padding-left: 30px; /* additional indent for deeper nesting */
}
.content1 ul ul li {
  margin-bottom: 6px;
}

/* =============================
   LINKS & ANCHORS
   ============================= */
a {
  color: var(--color-primary);
  text-decoration: none;
  transition: color var(--transition-base);
}

a:hover,
a:focus {
  color: var(--color-primary-dark);
  outline: none;
}

.link-set-2 {
  color: var(--color-white);
  text-decoration: none;
  transition: all var(--transition-base);
}

.link-set-2:hover,
.link-set-2:focus {
  color: var(--color-accent);
  text-decoration: none;
  outline: 0;
}

/* =============================
   IMAGES
   ============================= */
img {
  max-width: 100%;
  height: auto;
  display: block;
}

.img-responsive {
  width: 100%;
  height: auto;
}

figure {
  margin: 0;
}

/* Reusable themed check icon for feature lists */
.check-icon {
  width: 28px;
  height: 28px;
  vertical-align: middle;
  display: inline-block;
}

.check-icon circle {
  fill: var(--color-primary);
}

.check-icon path {
  stroke: var(--color-white);
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
  fill: none;
}

/* =============================
   ACCESSIBILITY
   ============================= */
.sr-only {
  position: absolute !important;
  height: 1px;
  width: 1px;
  overflow: hidden;
  clip: rect(1px, 1px, 1px, 1px);
  white-space: nowrap;
  border: 0;
  padding: 0;
  margin: -1px;
}

/* Skip to main content link */
.skip-to-main {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--color-primary);
  color: var(--color-white);
  padding: 8px 15px;
  text-decoration: none;
  z-index: 100;
}

.skip-to-main:focus {
  top: 0;
}

/* =============================
   RESPONSIVE DESIGN
   ============================= */
@media (max-width: 1200px) {
  .about-box td {
    width: 220px;
    height: 220px;
    padding: 20px 4px;
    font-size: 1rem;
  }
  
  .about-box h3 {
    font-size: 18px;
  }
  
  .about-box p {
    font-size: 15px;
  }
  
  .howitworks-img {
    max-width: 200px;
  }
}

@media (max-width: 992px) {
  .about-img {
    max-width: 80px;
  }
  
  .about-box td {
    width: 100%;
    height: auto;
    display: block;
    padding: 20px 10px;
    font-size: 0.95rem;
  }
  
  .about-box h3 {
    font-size: 16px;
  }
  
  .about-box p {
    font-size: 14px;
  }
  
  .howitworks-cell,
  .contact-cell {
    width: 100%;
    display: block;
    padding: 15px;
  }
  
  .contact-table p {
    font-size: 16px !important;
  }
  
  .contact-table a {
    font-size: 15px !important;
  }
  
  .howitworks-img {
    width: 100%;
    max-width: 200px;
    height: auto;
  }
  
  .center-links a {
    font-size: 14px !important;
  }
  
  .toggle-title {
    font-size: 16px !important;
    padding: 12px 15px !important;
  }
  
  .toggle-content {
    font-size: 14px !important;
    padding: 15px;
  }
}

@media (max-width: 768px) {
  .contact-solutions-section {
    min-height: 0;
  }

  .contact-solutions-content {
    padding: 35px 20px 35px 50px;
  }

  .contact-solutions-content h2 {
    font-size: 10px !important;
  }

  /* Hide banner images on mobile devices */
  .section-full,
  .section.section-full {
    display: none !important;
  }
  
  /* Reduce font sizes for better mobile readability */
  h1, .font-size-xx-large {
    font-size: 28px !important;
  }
  
  h2, .font-size-x-large {
    font-size: 24px !important;
  }
  
  h3, .font-size-larger {
    font-size: 20px !important;
  }
  
  .font-size-large, .font-size-large a {
    font-size: 16px !important;
  }
  
  .font-size-medium, .font-size-medium a {
    font-size: 14px !important;
  }
  
  .font-size-small, .font-size-small a {
    font-size: 12px !important;
  }
  
  /* Adjust body text */
  body {
    font-size: 14px;
    line-height: 1.6;
  }
  
  /* Adjust paragraph spacing */
  p {
    margin-bottom: 1rem;
  }
  
  /* Reduce contact box sizes on mobile */
  .contact-table td {
    padding: 15px 10px !important;
  }
  
  .contact-icon {
    width: 60px !important;
    height: 60px !important;
  }
  
  .contact-table p {
    font-size: 14px !important;
    margin-bottom: 8px;
  }
  
  .contact-table a {
    font-size: 13px !important;
  }
  
  /* Reduce map height on tablets */
  .map-container {
    height: 350px;
  }
}

@media (max-width: 576px) {
  .about-box td {
    padding: 15px 5px;
    font-size: 0.85rem;
  }
  
  .about-box h3 {
    font-size: 14px;
  }
  
  .about-box p {
    font-size: 13px;
  }
  
  .btn,
  .themesflat-button {
    padding: 10px 20px;
    font-size: 12px;
  }
  
  .has-padding-36 {
    padding: 12px 24px;
  }
  
  .py-25 {
    padding-top: 15px !important;
    padding-bottom: 15px !important;
  }
  
  .pb-100 {
    padding-bottom: 50px !important;
  }
  
  .section {
    padding: 30px 0;
  }
  
  .toggle-title {
    font-size: 14px !important;
    padding: 10px 12px !important;
  }
  
  /* Further reduce font sizes on very small screens */
  h1, .font-size-xx-large {
    font-size: 24px !important;
  }
  
  h2, .font-size-x-large {
    font-size: 20px !important;
  }
  
  h3, .font-size-larger {
    font-size: 18px !important;
  }
  
  .font-size-large, .font-size-large a {
    font-size: 15px !important;
  }
  
  /* Further reduce contact box sizes on small phones */
  .contact-table td {
    padding: 10px 5px !important;
    min-height: auto !important;
  }
  
  .contact-icon {
    width: 50px !important;
    height: 50px !important;
  }
  
  .contact-table h3 {
    margin-bottom: 5px;
  }
  
  .contact-table p {
    font-size: 13px !important;
    margin-bottom: 5px;
  }
  
  .contact-table a {
    font-size: 12px !important;
    word-break: break-word;
  }
  
  .branding-address {
    font-size: 11px !important;
    line-height: 1.4;
  }
  
  /* Reduce map height on mobile phones */
  .map-container {
    height: 300px;
    border-radius: 5px;
  }
}

/* =============================
   CONTACT & MAP STYLES
   ============================= */
.map-container {
  position: relative;
  width: 100%;
  height: 450px;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 4px 8px rgba(0,0,0,0.1);
  margin-top: 20px;
}

.map-container iframe {
  border: 0;
  width: 100%;
  height: 100%;
}

/* =============================
   UTILITIES & HELPERS
   ============================= */
.clearfix::after {
  content: "";
  display: table;
  clear: both;
}

.divider {
  height: 1px;
  background-color: var(--color-gray-light);
  margin: 30px 0;
}

.rounded {
  border-radius: var(--radius-md) !important;
}

.rounded-lg {
  border-radius: var(--radius-lg) !important;
}

.shadow-sm {
  box-shadow: var(--shadow-sm) !important;
}

.shadow-md {
  box-shadow: var(--shadow-md) !important;
}

.shadow-lg {
  box-shadow: var(--shadow-lg) !important;
}

.overflow-hidden {
  overflow: hidden !important;
}

.position-relative {
  position: relative !important;
}

.align-top {
  vertical-align: top !important;
}

/* Display utilities */
.d-none {
  display: none !important;
}

.d-block {
  display: block !important;
}

.d-inline-block {
  display: inline-block !important;
}

/* =============================
   PRINT STYLES
   ============================= */
@media print {
  .no-print,
  .footer,
  .header,
  #site-header-wrap,
  button,
  .btn {
    display: none !important;
  }
  
  body {
    color: #000;
    background: #fff;
  }
  
  a {
    text-decoration: underline;
  }
}

.state-faq-toggle-title.background-themecolor2 { cursor: pointer; color: var(--color-white) !important; }
.state-faq-toggle-title.background-themecolor2:hover { background-color: var(--color-primary-light) !important; color: var(--color-white) !important; }
.state-faq-toggle-title.background-themecolor2.active { color: var(--color-white) !important; }