/* ============================================
   Loanify - Custom Styles
   loanify.ie | info@loanify.ie
   ============================================ */

/* --- Preloader --- */
#preloder {
    position: fixed;
    width: 100%;
    height: 100%;
    top: 0;
    left: 0;
    z-index: 99999;
    background: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
}
.loader {
    width: 44px;
    height: 44px;
    border: 4px solid #e8f5d0;
    border-top-color: #88C417;
    border-radius: 50%;
    animation: loaderSpin 0.75s linear infinite;
}
@keyframes loaderSpin {
    to { transform: rotate(360deg); }
}

/* --- Mobile / Slicknav Menu --- */
/* Allow submenus to expand inside the offcanvas */
#mobile-menu-wrap .slicknav_nav ul {
    overflow: visible;
}
/* Green accent on hover and arrow */
#mobile-menu-wrap .slicknav_nav a:hover,
#mobile-menu-wrap .slicknav_nav .slicknav_row:hover {
    color: #88C417 !important;
    background: transparent;
}
#mobile-menu-wrap .slicknav_arrow {
    color: #88C417;
}

/* --- Mail Toast Notification --- */
.lf-toast {
    position: fixed;
    bottom: 30px;
    right: 30px;
    padding: 15px 22px;
    border-radius: 5px;
    color: #fff;
    font-size: 15px;
    font-weight: 600;
    z-index: 999999;
    opacity: 1;
    transition: opacity 0.5s ease;
    box-shadow: 0 4px 18px rgba(0,0,0,0.25);
    display: flex;
    align-items: center;
    gap: 10px;
    max-width: 360px;
}
.lf-toast--sent  { background: #88C417; }
.lf-toast--error { background: #e74c3c; }

/* --- Logo --- */
.loanify-logo {
    font-family: 'Lato', sans-serif;
    font-size: 30px;
    font-weight: 900;
    color: #182143;
    text-decoration: none;
    letter-spacing: -1px;
    display: inline-block;
    padding: 10px 0;
    line-height: 1;
}
.loanify-logo span {
    color: #88C417;
}
.loanify-logo:hover {
    text-decoration: none;
    color: #182143;
}
.loanify-logo-footer {
    font-family: 'Lato', sans-serif;
    font-size: 34px;
    font-weight: 900;
    color: #fff;
    text-decoration: none;
    letter-spacing: -1px;
    display: inline-block;
    margin-bottom: 20px;
    line-height: 1;
}
.loanify-logo-footer span {
    color: #88C417;
}
.loanify-logo-footer:hover {
    text-decoration: none;
    color: #fff;
}
.offcanvas__logo .loanify-logo {
    font-size: 26px;
    padding: 0;
}

/* --- Header top contact link --- */
.header-email {
    color: inherit;
    text-decoration: none;
}
.header-email:hover {
    color: #88C417;
}
.header-apply-btn {
    display: inline-flex;
    align-items: center;
    background: #88C417;
    color: #fff !important;
    padding: 6px 22px;
    border-radius: 3px;
    font-weight: 700;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 1px;
    text-decoration: none;
    transition: background 0.3s;
    vertical-align: middle;
}
.header-apply-btn:hover {
    background: #6fa310;
    text-decoration: none;
}

/* --- Loan Application Form --- */
.loan-apply-section {
    background: #f4f7f0;
    padding: 60px 0;
}
.loan-apply-section .section-title {
    margin-bottom: 40px;
}
.loan-form-wrapper {
    background: #fff;
    border-radius: 8px;
    box-shadow: 0 4px 30px rgba(0,0,0,0.08);
    padding: 40px 50px;
}
.loan-form-wrapper .form-label {
    font-weight: 700;
    color: #182143;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 6px;
    display: block;
}
.loan-form-wrapper input[type="text"],
.loan-form-wrapper input[type="email"],
.loan-form-wrapper input[type="tel"],
.loan-form-wrapper input[type="number"],
.loan-form-wrapper input[type="date"],
.loan-form-wrapper select,
.loan-form-wrapper textarea {
    width: 100%;
    height: 48px;
    padding: 10px 16px;
    border: 1px solid #e0e0e0;
    border-radius: 4px;
    font-size: 14px;
    color: #555;
    background: #fafafa;
    margin-bottom: 20px;
    transition: border-color 0.3s, background 0.3s;
    font-family: 'Lato', sans-serif;
}
.loan-form-wrapper textarea {
    height: 100px;
    resize: vertical;
}
.loan-form-wrapper input:focus,
.loan-form-wrapper select:focus,
.loan-form-wrapper textarea:focus {
    border-color: #88C417;
    background: #fff;
    outline: none;
}
.loan-form-wrapper .consent-line {
    margin: 10px 0 25px;
    font-size: 14px;
    color: #555;
}
.loan-form-wrapper .consent-line a {
    color: #88C417;
}
.loan-form-wrapper .site-btn {
    width: 100%;
    padding: 15px;
    font-size: 16px;
    letter-spacing: 1px;
}
.loan-form-section-title {
    background: #182143;
    color: #fff;
    padding: 15px 20px;
    border-radius: 4px 4px 0 0;
    margin: 30px -50px 25px;
    font-size: 16px;
    font-weight: 700;
    letter-spacing: 0.5px;
}
.loan-form-section-title:first-child {
    margin-top: 0;
    border-radius: 4px 4px 0 0;
}

/* --- Loan Detail Pages --- */
.loan-info-section {
    padding: 60px 0;
}
.loan-info-section .section-title {
    margin-bottom: 40px;
}
.loan-feature-box {
    background: #fff;
    border: 1px solid #e8e8e8;
    border-radius: 8px;
    padding: 30px 25px;
    margin-bottom: 30px;
    text-align: center;
    transition: all 0.3s;
}
.loan-feature-box:hover {
    border-color: #88C417;
    box-shadow: 0 5px 25px rgba(136, 196, 23, 0.15);
    transform: translateY(-3px);
}
.loan-feature-box i {
    font-size: 42px;
    color: #88C417;
    margin-bottom: 18px;
    display: block;
}
.loan-feature-box h5 {
    color: #182143;
    font-weight: 700;
    margin-bottom: 12px;
}
.loan-feature-box p {
    font-size: 14px;
    color: #777;
    margin: 0;
}
.loan-requirements {
    background: #f4f7f0;
    border-radius: 8px;
    padding: 35px 40px;
}
.loan-requirements h4 {
    color: #182143;
    font-weight: 700;
    margin-bottom: 20px;
}
.loan-requirements ul {
    list-style: none;
    padding: 0;
    margin: 0;
}
.loan-requirements ul li {
    padding: 10px 0;
    border-bottom: 1px solid #e0e0e0;
    padding-left: 30px;
    position: relative;
    color: #555;
    font-size: 15px;
}
.loan-requirements ul li:last-child {
    border-bottom: none;
}
.loan-requirements ul li::before {
    content: '\f00c';
    font-family: 'FontAwesome';
    color: #88C417;
    position: absolute;
    left: 0;
    top: 10px;
    font-size: 14px;
}
.loan-rates-table {
    width: 100%;
    border-collapse: collapse;
    margin-top: 20px;
}
.loan-rates-table th {
    background: #182143;
    color: #fff;
    padding: 14px 20px;
    text-align: left;
    font-weight: 700;
    font-size: 14px;
}
.loan-rates-table td {
    padding: 12px 20px;
    border-bottom: 1px solid #e8e8e8;
    color: #555;
    font-size: 14px;
}
.loan-rates-table tr:nth-child(even) td {
    background: #f9f9f9;
}

/* --- FAQ Page --- */
.faq-section {
    padding: 60px 0;
}
.faq-accordion .card {
    border: 1px solid #e0e0e0;
    border-radius: 6px !important;
    margin-bottom: 12px;
    overflow: hidden;
}
.faq-accordion .card-header {
    background: #fff;
    border: none;
    padding: 0;
}
.faq-accordion .card-header button {
    width: 100%;
    text-align: left;
    padding: 18px 25px;
    font-size: 15px;
    font-weight: 700;
    color: #182143;
    background: #fff;
    border: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    transition: background 0.2s;
}
.faq-accordion .card-header button:not(.collapsed) {
    background: #182143;
    color: #fff;
}
.faq-accordion .card-header button::after {
    content: '\f107';
    font-family: 'FontAwesome';
    font-size: 16px;
    transition: transform 0.3s;
}
.faq-accordion .card-header button:not(.collapsed)::after {
    transform: rotate(180deg);
}
.faq-accordion .card-body {
    padding: 20px 25px;
    color: #555;
    font-size: 15px;
    line-height: 1.8;
}
.faq-category-title {
    font-size: 22px;
    font-weight: 700;
    color: #182143;
    margin: 40px 0 20px;
    padding-bottom: 10px;
    border-bottom: 3px solid #88C417;
    display: inline-block;
}
.faq-category-title:first-of-type {
    margin-top: 0;
}

/* --- Legal Pages --- */
.legal-section {
    padding: 60px 0;
}
.legal-section .last-updated {
    font-size: 13px;
    color: #999;
    margin-bottom: 30px;
    display: block;
}
.legal-section h3 {
    font-size: 20px;
    font-weight: 700;
    color: #182143;
    margin: 35px 0 15px;
}
.legal-section h3:first-of-type {
    margin-top: 0;
}
.legal-section p {
    color: #555;
    line-height: 1.85;
    margin-bottom: 16px;
}
.legal-section ul, .legal-section ol {
    color: #555;
    line-height: 1.85;
    margin-bottom: 16px;
    padding-left: 22px;
}
.legal-section ul li, .legal-section ol li {
    margin-bottom: 8px;
}
.legal-section .legal-box {
    background: #f4f7f0;
    border-left: 4px solid #88C417;
    padding: 20px 25px;
    border-radius: 0 6px 6px 0;
    margin: 25px 0;
}
.legal-section .legal-box p {
    margin: 0;
    color: #444;
}

/* --- Contact Page --- */
.contact-info-icon {
    width: 50px;
    height: 50px;
    background: #88C417;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 15px;
}
.contact-info-icon i {
    color: #fff;
    font-size: 20px;
}
.contact-info-box {
    text-align: center;
    padding: 30px 20px;
    border: 1px solid #e8e8e8;
    border-radius: 8px;
    margin-bottom: 30px;
    display: flex;
    flex-direction: column;
    align-items: center;
}
.contact-info-box h5 {
    color: #182143;
    font-weight: 700;
    margin-bottom: 10px;
}
.contact-info-box p {
    margin: 0;
    font-size: 14px;
}
.contact-info-box a {
    color: #88C417;
}

/* --- About Page --- */
.about-stat-box {
    text-align: center;
    padding: 30px 15px;
}
.about-stat-box h2 {
    font-size: 48px;
    font-weight: 900;
    color: #88C417;
}
.about-stat-box p {
    font-size: 14px;
    color: #777;
    margin: 0;
}

/* --- CTA Banner --- */
.cta-banner {
    background: linear-gradient(135deg, #182143 0%, #223060 100%);
    padding: 60px 0;
}
.cta-banner h2 {
    color: #fff;
    font-weight: 700;
    margin-bottom: 15px;
}
.cta-banner p {
    color: rgba(255,255,255,0.75);
    font-size: 16px;
    margin-bottom: 0;
}
.cta-banner .site-btn {
    margin-top: 20px;
}

/* --- Call/CTA section on loan pages (set-bg with background image) --- */
.call .section-title h2,
.call .section-title h4 {
    color: #fff !important;
}
.call .section-title p {
    color: rgba(255, 255, 255, 0.85) !important;
}

/* ============================================
   HOMEPAGE ANIMATIONS & NEW SECTIONS
   ============================================ */

/* Override hero text top padding */
.hero__text { padding-top: 10px !important; }

/* ---- Hero animated shapes ---- */
.hero { position: relative; overflow: hidden; }
.hero-shapes { position: absolute; top: 0; left: 0; width: 100%; height: 100%; pointer-events: none; z-index: 0; }
.hero-shapes .shape {
    position: absolute;
    border-radius: 50%;
    background: rgba(136, 196, 23, 0.09);
    animation: floatShape 9s ease-in-out infinite;
}
.shape-1 { width: 380px; height: 380px; top: -100px; right: 8%; animation-delay: 0s; }
.shape-2 { width: 220px; height: 220px; bottom: 30px; right: 28%; animation-delay: 3s; background: rgba(24,33,67,0.06); }
.shape-3 { width: 130px; height: 130px; top: 55%; left: 2%; animation-delay: 6s; }
.shape-4 { width: 80px;  height: 80px;  top: 20%; left: 18%; animation-delay: 2s; background: rgba(255,255,255,0.06); }
.hero .container { position: relative; z-index: 1; }

@keyframes floatShape {
    0%, 100% { transform: translateY(0) scale(1); }
    50%       { transform: translateY(-28px) scale(1.06); }
}

/* ---- Hero text entrance ---- */
.hero-animated-text .hero-tagline { animation: fadeInDown 0.7s ease 0.1s both; }
.hero-animated-text h2             { animation: fadeInLeft 0.8s ease 0.25s both; }
.hero-animated-text p              { animation: fadeInLeft 0.8s ease 0.45s both; }
.hero-animated-text .hero-btns    { animation: fadeInUp  0.8s ease 0.6s  both; }
.hero-animated-text .hero-trust-badges { animation: fadeInUp 0.8s ease 0.8s both; }
.hero-form-animated               { animation: fadeInRight 0.9s ease 0.3s both; }

@keyframes fadeInLeft  { from { opacity:0; transform:translateX(-35px); } to { opacity:1; transform:translateX(0); } }
@keyframes fadeInRight { from { opacity:0; transform:translateX(35px);  } to { opacity:1; transform:translateX(0); } }
@keyframes fadeInDown  { from { opacity:0; transform:translateY(-20px); } to { opacity:1; transform:translateY(0); } }
@keyframes fadeInUp    { from { opacity:0; transform:translateY(25px);  } to { opacity:1; transform:translateY(0); } }

.hero-tagline {
    display: inline-block;
    background: rgba(136,196,23,0.14);
    color: #88C417;
    border: 1px solid rgba(136,196,23,0.35);
    padding: 6px 18px;
    border-radius: 20px;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 18px;
}
.hero-highlight {
    color: #88C417;
    position: relative;
    display: inline-block;
}
.hero-highlight::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 3px;
    background: #88C417;
    border-radius: 2px;
    animation: lineGrow 1s ease 1.2s forwards;
}
@keyframes lineGrow { to { width: 100%; } }

.hero-btns { display: flex; gap: 15px; flex-wrap: wrap; margin-top: 28px; }
.outline-btn {
    display: inline-block;
    padding: 13px 28px;
    border: 2px solid rgba(255,255,255,0.55);
    color: #fff;
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    border-radius: 3px;
    text-decoration: none;
    transition: all 0.3s;
}
.outline-btn:hover { background: rgba(255,255,255,0.1); color: #fff; text-decoration: none; border-color: #fff; }

.hero-trust-badges { display: flex; flex-wrap: wrap; gap: 18px; margin-top: 28px; }
.hero-trust-badges span { font-size: 13px; color: rgba(255,255,255,0.75); display: flex; align-items: center; gap: 7px; }
.hero-trust-badges span i { color: #88C417; }

/* Hero form — fix select & float clearing */
.hero__form form .input-full-width {
    clear: both;
}
.hero__form form .input-full-width select,
.hero__form form .input-list select {
    width: 100%;
    height: 48px;
    border-radius: 2px;
    border: none;
    background: #f6f6f6;
    padding-left: 15px;
    font-family: 'Lato', sans-serif;
    font-size: 14px;
    color: #555;
    cursor: pointer;
    -webkit-appearance: none;
    appearance: none;
}
.hero__form form .input-list {
    overflow: hidden;
}

/* ---- Hero Visual Element ---- */
.hero-visual {
    position: relative;
    padding: 20px 0 40px 10px;
}

/* Main approval card */
.hv-approval-card {
    background: rgba(255,255,255,0.97);
    border-radius: 20px;
    padding: 28px;
    box-shadow: 0 25px 60px rgba(0,0,0,0.22);
    position: relative;
    z-index: 2;
}
.hv-approval-top {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 20px;
}
.hv-approval-icon {
    width: 42px; height: 42px;
    background: #88C417;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    animation: iconPulse 2.5s ease-in-out infinite;
}
.hv-approval-icon i { font-size: 18px; color: #fff; }
.hv-approval-label {
    display: block;
    font-size: 14px;
    font-weight: 700;
    color: #182143;
}
.hv-approval-sub {
    font-size: 12px;
    color: #aaa;
    margin: 2px 0 0;
}
.hv-approval-time {
    margin-left: auto;
    font-size: 11px;
    color: #ccc;
    white-space: nowrap;
}
.hv-approval-amount {
    font-size: 46px;
    font-weight: 900;
    color: #182143;
    font-family: 'Lato', sans-serif;
    line-height: 1;
    margin-bottom: 18px;
}
.hv-approval-details {
    display: flex;
    gap: 0;
    margin-bottom: 20px;
}
.hv-approval-details > div {
    flex: 1;
    text-align: center;
    padding: 10px 8px;
    background: #f8f9fb;
    border-radius: 8px;
    margin-right: 8px;
}
.hv-approval-details > div:last-child { margin-right: 0; }
.hv-approval-details span  { display: block; font-size: 10px; color: #aaa; text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 4px; }
.hv-approval-details strong { font-size: 15px; font-weight: 700; color: #182143; }

/* Animated progress bar */
.hv-approval-bar {
    height: 6px;
    background: #f0f0f0;
    border-radius: 3px;
    overflow: hidden;
    margin-bottom: 8px;
}
.hv-approval-bar-fill {
    height: 100%;
    width: 0;
    background: linear-gradient(to right, #88C417, #b5e34d);
    border-radius: 3px;
    animation: barFill 2s ease 0.8s forwards;
}
@keyframes barFill { to { width: 100%; } }
.hv-approval-caption {
    font-size: 12px;
    color: #88C417;
    font-weight: 600;
    margin: 0;
    display: flex;
    align-items: center;
    gap: 6px;
}
.hv-approval-caption::before {
    content: '';
    width: 8px; height: 8px;
    background: #88C417;
    border-radius: 50%;
    display: inline-block;
    animation: dotBlink 1.2s ease-in-out infinite;
}
@keyframes dotBlink { 0%,100%{opacity:1;} 50%{opacity:0.3;} }

/* Floating stat pills */
.hv-float {
    position: absolute;
    background: #fff;
    border-radius: 50px;
    padding: 10px 16px;
    display: flex;
    align-items: center;
    gap: 10px;
    box-shadow: 0 8px 30px rgba(0,0,0,0.14);
    z-index: 3;
    animation: floatPill 4s ease-in-out infinite;
}
.hv-float i { font-size: 18px; color: #88C417; }
.hv-float strong { display: block; font-size: 16px; font-weight: 900; color: #182143; line-height: 1; }
.hv-float span   { display: block; font-size: 11px; color: #aaa; }

.hv-float-tl { top: 0; left: -20px; animation-delay: 0s; }
.hv-float-br { bottom: 10px; right: -10px; animation-delay: 2s; }

@keyframes floatPill {
    0%,100% { transform: translateY(0); }
    50%      { transform: translateY(-8px); }
}

/* Trust pill */
.hv-trust-pill {
    text-align: center;
    margin-top: 18px;
    font-size: 12px;
    color: rgba(255,255,255,0.55);
    letter-spacing: 0.3px;
}
.hv-trust-pill i { color: #88C417; margin-right: 3px; }

/* ---- Hero Quote Widget (kept for reference) ---- */
.hform-card {
    background: #fff;
    border-radius: 16px;
    padding: 30px 28px 24px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.18);
}

/* Header */
.hform-header {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 22px;
    padding-bottom: 18px;
    border-bottom: 1px solid #f0f0f0;
}
.hform-header-icon {
    width: 46px; height: 46px;
    background: linear-gradient(135deg, #88C417, #6fa310);
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.hform-header-icon i { font-size: 20px; color: #fff; }
.hform-header h3 { color: #182143; font-size: 18px; font-weight: 700; margin: 0 0 3px; }
.hform-header p  { color: #aaa; font-size: 12px; margin: 0; }

/* Section label */
.hform-section-label {
    font-size: 12px;
    font-weight: 700;
    color: #aaa;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 10px;
}

/* Loan type grid */
.hform-type-grid {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 8px;
    margin-bottom: 20px;
}
.hform-type-btn {
    background: #f8f9fb;
    border: 2px solid transparent;
    border-radius: 10px;
    padding: 10px 4px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 5px;
    cursor: pointer;
    transition: all 0.25s;
}
.hform-type-btn i    { font-size: 18px; color: #bbb; transition: color 0.25s; }
.hform-type-btn span { font-size: 10px; font-weight: 700; color: #bbb; letter-spacing: 0.3px; transition: color 0.25s; }
.hform-type-btn:hover {
    border-color: rgba(136,196,23,0.4);
    background: rgba(136,196,23,0.05);
}
.hform-type-btn:hover i,
.hform-type-btn:hover span { color: #88C417; }
.hform-type-btn.active {
    border-color: #88C417;
    background: rgba(136,196,23,0.08);
}
.hform-type-btn.active i,
.hform-type-btn.active span { color: #88C417; }

/* 2-column row */
.hform-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 14px;
}
.hform-field label {
    display: block;
    font-size: 11px;
    font-weight: 700;
    color: #999;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    margin-bottom: 6px;
}
.hform-field input,
.hform-field select {
    width: 100%;
    height: 44px;
    border: 2px solid #eee;
    border-radius: 8px;
    padding: 0 12px;
    font-size: 14px;
    color: #333;
    font-family: 'Lato', sans-serif;
    background: #fafafa;
    transition: border-color 0.25s, background 0.25s;
    -webkit-appearance: none;
    appearance: none;
}
.hform-field input:focus,
.hform-field select:focus {
    border-color: #88C417;
    background: #fff;
    outline: none;
}

/* Live estimate box */
.hform-estimate {
    background: #f4f7f0;
    border: 2px solid #e8f0d8;
    border-radius: 10px;
    padding: 14px 18px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 14px;
    transition: all 0.3s;
}
.hform-estimate--active {
    border-color: #88C417;
    background: rgba(136,196,23,0.08);
}
.hform-estimate-left span,
.hform-estimate-right span {
    display: block;
    font-size: 11px;
    color: #aaa;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    margin-bottom: 3px;
}
.hform-estimate-left strong {
    font-size: 24px;
    font-weight: 900;
    color: #88C417;
    font-family: 'Lato', sans-serif;
}
.hform-estimate-right { text-align: right; }
.hform-estimate-right strong {
    font-size: 16px;
    font-weight: 700;
    color: #182143;
}

/* Submit button */
.hform-submit {
    width: 100%;
    padding: 15px;
    background: linear-gradient(135deg, #88C417 0%, #6fa310 100%);
    color: #fff;
    border: none;
    border-radius: 8px;
    font-size: 15px;
    font-weight: 700;
    letter-spacing: 0.5px;
    cursor: pointer;
    margin-bottom: 16px;
    transition: all 0.3s;
    font-family: 'Lato', sans-serif;
}
.hform-submit:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(136,196,23,0.45);
}
.hform-submit i { margin-left: 8px; transition: transform 0.3s; }
.hform-submit:hover i { transform: translateX(4px); }

/* Trust bar */
.hform-trust {
    display: flex;
    justify-content: center;
    gap: 18px;
    flex-wrap: wrap;
}
.hform-trust span { font-size: 11px; color: #ccc; display: flex; align-items: center; gap: 5px; }
.hform-trust span i { color: #88C417; font-size: 11px; }

/* ---- Stats Bar ---- */
.stats-bar { background: #182143; padding: 35px 0; }
.stat-bar-item {
    text-align: center;
    padding: 10px 0;
    border-right: 1px solid rgba(255,255,255,0.08);
}
.stat-bar-item:last-child { border-right: none; }
.stat-bar-item .stat-num {
    font-size: 46px;
    font-weight: 900;
    color: #88C417;
    line-height: 1;
    font-family: 'Lato', sans-serif;
}
.stat-bar-item .stat-suffix {
    font-size: 28px;
    color: #88C417;
    font-weight: 900;
    vertical-align: super;
    font-family: 'Lato', sans-serif;
}
.stat-bar-item p { color: rgba(255,255,255,0.6); margin: 8px 0 0; font-size: 13px; letter-spacing: 0.5px; text-transform: uppercase; }

/* ---- About floating badge ---- */
.about-img-animated { position: relative; }
.about-badge-float {
    position: absolute;
    bottom: 25px;
    left: -20px;
    background: #fff;
    border-radius: 10px;
    padding: 12px 18px;
    display: flex;
    align-items: center;
    gap: 12px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.15);
    animation: badgePop 0.6s ease 1s both;
}
.about-badge-float i { font-size: 28px; color: #88C417; }
.about-badge-float strong { display: block; color: #182143; font-weight: 700; font-size: 14px; }
.about-badge-float span  { display: block; color: #999; font-size: 12px; }
@keyframes badgePop { from { opacity:0; transform: scale(0.8) translateY(20px); } to { opacity:1; transform: scale(1) translateY(0); } }

/* ---- How It Works ---- */
.how-it-works-section { background: #f4f7f0; padding: 80px 0; }
.steps-row { position: relative; }

.step-card {
    text-align: center;
    padding: 40px 25px 35px;
    position: relative;
    transition: transform 0.3s;
}
.step-card:hover { transform: translateY(-6px); }
.step-number {
    font-size: 80px;
    font-weight: 900;
    color: rgba(136,196,23,0.1);
    line-height: 1;
    margin-bottom: -24px;
    font-family: 'Lato', sans-serif;
    user-select: none;
}
.step-icon {
    width: 82px;
    height: 82px;
    background: #88C417;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 22px;
    box-shadow: 0 8px 30px rgba(136,196,23,0.38);
    transition: transform 0.4s, box-shadow 0.4s;
    animation: iconPulse 3s ease-in-out infinite;
}
.step-card:hover .step-icon {
    transform: scale(1.12) rotate(-5deg);
    box-shadow: 0 14px 40px rgba(136,196,23,0.55);
    animation: none;
}
.step-icon i { font-size: 32px; color: #fff; }
.step-card h4 { color: #182143; font-weight: 700; font-size: 20px; margin-bottom: 12px; }
.step-card p  { color: #777; font-size: 15px; line-height: 1.75; margin: 0; }

.step-card--highlight .step-icon { background: #182143; box-shadow: 0 8px 30px rgba(24,33,67,0.35); }
.step-card--highlight:hover .step-icon { box-shadow: 0 14px 40px rgba(24,33,67,0.5); }

@keyframes iconPulse {
    0%, 100% { box-shadow: 0 8px 30px rgba(136,196,23,0.38); }
    50%       { box-shadow: 0 8px 45px rgba(136,196,23,0.65); }
}

/* connector line desktop */
.steps-row::after {
    content: '';
    position: absolute;
    top: 100px;
    left: calc(16.66% + 40px);
    right: calc(16.66% + 40px);
    height: 2px;
    background: repeating-linear-gradient(to right, #88C417, #88C417 8px, transparent 8px, transparent 16px);
    pointer-events: none;
}

/* ---- Loan Cards Grid ---- */
.loans-grid-section { padding: 80px 0; background: #fff; }

.loan-card {
    background: #fff;
    border-radius: 14px;
    border: 1px solid #eee;
    overflow: hidden;
    margin-bottom: 30px;
    display: flex;
    flex-direction: column;
    transition: transform 0.35s cubic-bezier(0.25,0.46,0.45,0.94), box-shadow 0.35s, border-color 0.35s;
}
.loan-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 24px 55px rgba(24,33,67,0.13);
    border-color: #88C417;
}
.loan-card__header {
    background: linear-gradient(135deg, #182143 0%, #223060 100%);
    padding: 32px 25px 40px;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.loan-card__header::before {
    content: '';
    position: absolute;
    top: -30px; right: -30px;
    width: 100px; height: 100px;
    border-radius: 50%;
    background: rgba(255,255,255,0.04);
}
.loan-card__header::after {
    content: '';
    position: absolute;
    bottom: -1px; left: 0; right: 0;
    height: 32px;
    background: #fff;
    clip-path: ellipse(55% 100% at 50% 100%);
}
.loan-card__icon {
    width: 72px;
    height: 72px;
    background: #88C417;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 15px;
    transition: transform 0.5s, box-shadow 0.3s;
    box-shadow: 0 6px 20px rgba(136,196,23,0.4);
}
.loan-card:hover .loan-card__icon {
    transform: rotateY(360deg);
    box-shadow: 0 8px 28px rgba(136,196,23,0.6);
}
.loan-card__icon i  { font-size: 28px; color: #fff; }
.loan-card__header h4 { color: #fff; font-weight: 700; font-size: 18px; margin: 0; }

.loan-card__body { padding: 22px 25px 12px; flex: 1; }
.loan-card__body p { color: #777; font-size: 14px; line-height: 1.7; margin-bottom: 18px; }
.loan-card__specs { list-style: none; padding: 0; margin: 0; }
.loan-card__specs li {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px dashed #f0f0f0;
    font-size: 13px;
}
.loan-card__specs li:last-child { border-bottom: none; }
.loan-card__specs li span:first-child { color: #aaa; }
.loan-card__specs li span:last-child  { font-weight: 700; color: #182143; }
.loan-card__badge {
    display: inline-block;
    background: rgba(136,196,23,0.1);
    color: #88C417;
    border: 1px solid rgba(136,196,23,0.25);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 12px;
    font-weight: 700;
    margin-top: 14px;
}
.loan-card__badge i { margin-right: 4px; }
.loan-card__btn {
    display: block;
    padding: 16px 25px;
    background: #f8f9fa;
    color: #182143;
    text-align: center;
    font-weight: 700;
    font-size: 13px;
    text-decoration: none;
    border-top: 1px solid #f0f0f0;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    transition: all 0.3s;
}
.loan-card:hover .loan-card__btn { background: #88C417; color: #fff; border-top-color: #88C417; }
.loan-card__btn i { margin-left: 8px; transition: transform 0.3s; }
.loan-card:hover .loan-card__btn i { transform: translateX(5px); }

/* Personalized banner */
.personalized-banner {
    background: linear-gradient(135deg, #88C417 0%, #6fa310 100%);
    border-radius: 14px;
    padding: 35px 40px;
    display: flex;
    align-items: center;
    gap: 30px;
    margin-top: 10px;
    animation: shimmerBg 4s linear infinite;
    background-size: 200% 200%;
}
@keyframes shimmerBg {
    0%   { background-position: 0% 50%; }
    50%  { background-position: 100% 50%; }
    100% { background-position: 0% 50%; }
}
.personalized-banner__icon {
    width: 70px; height: 70px;
    background: rgba(255,255,255,0.2);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.personalized-banner__icon i { font-size: 28px; color: #fff; }
.personalized-banner__text { flex: 1; }
.personalized-banner__text h4 { color: #fff; font-weight: 700; font-size: 20px; margin-bottom: 6px; }
.personalized-banner__text p  { color: rgba(255,255,255,0.85); margin: 0; font-size: 15px; }
.personalized-banner__btn {
    display: inline-block;
    background: #fff;
    color: #88C417;
    padding: 13px 28px;
    border-radius: 4px;
    font-weight: 700;
    font-size: 14px;
    text-decoration: none;
    white-space: nowrap;
    transition: all 0.3s;
    flex-shrink: 0;
}
.personalized-banner__btn:hover { background: #182143; color: #fff; text-decoration: none; }
.personalized-banner__btn i { margin-left: 6px; }

/* ---- Loan Calculator Section ---- */
.loan-finder-section {
    background: linear-gradient(135deg, #182143 0%, #1a2850 100%);
    padding: 90px 0;
    position: relative;
    overflow: hidden;
}
.loan-finder-section::before,
.loan-finder-section::after {
    content: '';
    position: absolute;
    border-radius: 50%;
    background: rgba(136,196,23,0.05);
    pointer-events: none;
}
.loan-finder-section::before { width: 500px; height: 500px; top: -150px; right: -150px; }
.loan-finder-section::after  { width: 300px; height: 300px; bottom: -80px; left: -80px; }

.finder-title h2 { color: #fff; }
.finder-title p  { color: rgba(255,255,255,0.7); }
.finder-highlight { color: #88C417; }

.finder-info-list { margin-top: 35px; }
.finder-info-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 26px;
}
.finder-info-icon {
    width: 46px; height: 46px;
    background: rgba(136,196,23,0.15);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    transition: background 0.3s;
}
.finder-info-item:hover .finder-info-icon { background: rgba(136,196,23,0.3); }
.finder-info-icon i { color: #88C417; font-size: 18px; }
.finder-info-item h5 { color: #fff; font-weight: 700; margin-bottom: 5px; }
.finder-info-item p  { color: rgba(255,255,255,0.6); font-size: 14px; margin: 0; }

/* Calculator card */
.loan-calculator-card {
    background: #fff;
    border-radius: 18px;
    padding: 40px;
    box-shadow: 0 30px 70px rgba(0,0,0,0.25);
    position: relative;
    z-index: 1;
}
.calc-card-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 30px;
    padding-bottom: 18px;
    border-bottom: 2px solid #f0f0f0;
}
.calc-card-header i  { font-size: 28px; color: #88C417; }
.calc-card-header h3 { color: #182143; font-weight: 700; font-size: 22px; margin: 0; }

.calc-field { margin-bottom: 22px; }
.calc-field label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 14px;
    color: #666;
    font-weight: 600;
    margin-bottom: 10px;
}
.calc-field label strong { color: #182143; font-size: 17px; font-weight: 900; }

.calc-range {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: linear-gradient(to right, #88C417 0%, #e8e8e8 0%);
    outline: none;
    cursor: pointer;
    margin-bottom: 6px;
    transition: background 0.1s;
}
.calc-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px; height: 22px;
    border-radius: 50%;
    background: #fff;
    border: 3px solid #88C417;
    cursor: pointer;
    box-shadow: 0 2px 10px rgba(136,196,23,0.45);
    transition: transform 0.2s, box-shadow 0.2s;
}
.calc-range::-webkit-slider-thumb:hover { transform: scale(1.25); box-shadow: 0 3px 14px rgba(136,196,23,0.6); }
.calc-range::-moz-range-thumb { width:20px; height:20px; border-radius:50%; background:#88C417; border:none; cursor:pointer; }

.calc-range-labels { display: flex; justify-content: space-between; font-size: 11px; color: #ccc; }

.calc-type-select {
    width: 100%;
    padding: 13px 16px;
    border: 2px solid #eee;
    border-radius: 8px;
    font-size: 14px;
    color: #555;
    background: #fafafa;
    font-family: 'Lato', sans-serif;
    cursor: pointer;
    transition: border-color 0.3s;
    -webkit-appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%2388C417' d='M6 8L0 0h12z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 15px center;
    padding-right: 38px;
}
.calc-type-select:focus { border-color: #88C417; outline: none; background-color: #fff; }

/* Results grid */
.calc-results-grid {
    background: #f4f7f0;
    border-radius: 12px;
    padding: 22px;
    display: flex;
    gap: 20px;
    align-items: center;
    margin: 22px 0;
    transition: background 0.3s;
}
.calc-results-grid.calc-flash { animation: flashResult 0.35s ease; }
@keyframes flashResult {
    0%   { background: rgba(136,196,23,0.2); }
    100% { background: #f4f7f0; }
}
.calc-result-main {
    text-align: center;
    flex: 0 0 auto;
    min-width: 120px;
    padding-right: 20px;
    border-right: 1px solid #dde8cc;
}
.calc-result-main span { display: block; font-size: 11px; color: #999; text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 6px; }
.calc-result-main strong { display: block; font-size: 30px; font-weight: 900; color: #88C417; line-height: 1; transition: all 0.3s; }

.calc-result-side { flex: 1; }
.calc-result-row { display: flex; justify-content: space-between; padding: 5px 0; font-size: 13px; }
.calc-result-row span  { color: #999; }
.calc-result-row strong { color: #182143; font-weight: 700; }

.calc-disclaimer { font-size: 12px; color: #ccc; text-align: center; margin: 0 0 18px; }

.calc-actions { display: flex; flex-direction: column; gap: 12px; align-items: center; }
.calc-actions .site-btn { width: 100%; text-align: center; }
.calc-advisor-link {
    font-size: 14px;
    color: #88C417;
    text-decoration: none;
    font-weight: 600;
    transition: color 0.3s;
    display: flex; align-items: center; gap: 7px;
}
.calc-advisor-link:hover { color: #182143; text-decoration: none; }

/* ---- Why Choose Enhanced ---- */
.why-choose-enhanced { background: #f8f9fb; }
.why-card {
    background: #fff;
    border-radius: 12px;
    padding: 35px 25px;
    text-align: center;
    margin-bottom: 30px;
    border: 1px solid #eee;
    transition: all 0.35s;
    cursor: default;
}
.why-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 18px 45px rgba(24,33,67,0.1);
    border-color: #88C417;
}
.why-card__icon {
    width: 68px; height: 68px;
    background: rgba(136,196,23,0.1);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 20px;
    transition: all 0.4s;
}
.why-card:hover .why-card__icon { background: #88C417; transform: scale(1.1) rotate(10deg); }
.why-card__icon i { font-size: 26px; color: #88C417; transition: color 0.4s; }
.why-card:hover .why-card__icon i { color: #fff; }
.why-card h5 { color: #182143; font-weight: 700; font-size: 17px; margin-bottom: 12px; }
.why-card p  { color: #777; font-size: 14px; line-height: 1.75; margin: 0; }

/* ---- Testimonials enhanced ---- */
.testimonial-enhanced { position: relative; }
.testi-stars { margin-bottom: 14px; color: #ffc107; font-size: 15px; letter-spacing: 2px; }
.testimonial-enhanced p { font-style: italic; color: #555; font-size: 15px; line-height: 1.8; margin-bottom: 22px; }
.testi-author { display: flex; align-items: center; gap: 14px; }
.testi-avatar {
    width: 52px; height: 52px; border-radius: 50%;
    background: #88C417; color: #fff;
    display: flex; align-items: center; justify-content: center;
    font-size: 18px; font-weight: 900; flex-shrink: 0;
    letter-spacing: 0;
}
.testi-avatar.av-navy { background: #182143; }
.testi-avatar.av-teal { background: #17a2b8; }
.testi-avatar.av-orange { background: #e67e22; }
.testi-avatar.av-purple { background: #8e44ad; }
.testi-author h5  { margin: 0 0 3px; font-size: 15px; color: #182143; font-weight: 700; }
.testi-author span { font-size: 13px; color: #88C417; }

/* ---- Nav personalized item ---- */
.nav-personalized > a { color: #88C417 !important; font-weight: 700 !important; }
.nav-personalized > a i { margin-right: 5px; }

.nav-apply-item { margin-left: 8px !important; }
.nav-apply-link {
    background: #88C417 !important;
    color: #fff !important;
    padding: 8px 20px !important;
    border-radius: 3px !important;
    font-size: 15px !important;
    font-weight: 700 !important;
    transition: background 0.3s !important;
}
.nav-apply-link:hover {
    background: #6fa310 !important;
    color: #fff !important;
}
.nav-apply-link::after { display: none !important; }

/* --- Responsive tweaks --- */
@media (max-width: 991px) {
    .steps-row::after { display: none; }
    .personalized-banner { flex-wrap: wrap; }
    .calc-results-grid { flex-direction: column; }
    .calc-result-main { border-right: none; border-bottom: 1px solid #dde8cc; padding-right: 0; padding-bottom: 14px; width: 100%; }
    .about-badge-float { left: 5px; }
}
@media (max-width: 767px) {
    .loan-form-wrapper { padding: 25px 20px; }
    .loan-form-section-title { margin-left: -20px; margin-right: -20px; }
    .loan-requirements { padding: 25px 20px; }
    .hero-btns { flex-direction: column; gap: 10px; }
    .hero-trust-badges { gap: 10px; }
    .loan-calculator-card { padding: 25px 20px; }
    .hero-form-header { margin: -20px -20px 18px; }
    .stat-bar-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); padding-bottom: 18px; }
    .stat-bar-item:last-child { border-bottom: none; }
    .personalized-banner { text-align: center; justify-content: center; }
    .loan-finder-section { padding: 60px 0; }
    .why-card { padding: 25px 18px; }
}