/* Reset & Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary-color: #003366;
    --secondary-color: #0066cc;
    --accent-color: #ff6b35;
    --text-dark: #1a1a1a;
    --text-light: #666666;
    --bg-light: #f8f9fa;
    --white: #ffffff;
    --shadow: 0 2px 10px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 30px rgba(0,0,0,0.15);
    --transition: all 0.3s ease;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    line-height: 1.6;
    color: var(--text-dark);
    background-color: var(--white);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1rem;
}

h1 {
    font-size: 3rem;
    color: var(--primary-color);
}

h2 {
    font-size: 2.5rem;
    color: var(--primary-color);
}

h3 {
    font-size: 1.5rem;
    color: var(--text-dark);
}

p {
    margin-bottom: 1rem;
    color: var(--text-light);
}

a {
    color: var(--secondary-color);
    text-decoration: none;
    transition: var(--transition);
}

a:hover {
    color: var(--primary-color);
}

/* Buttons */
.btn {
    display: inline-block;
    padding: 12px 30px;
    border-radius: 6px;
    font-weight: 600;
    text-align: center;
    cursor: pointer;
    transition: var(--transition);
    border: 2px solid transparent;
    text-decoration: none;
}

.btn-primary {
    background-color: var(--secondary-color);
    color: var(--white);
    border-color: var(--secondary-color);
}

.btn-primary:hover {
    background-color: var(--primary-color);
    border-color: var(--primary-color);
    color: var(--white);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-secondary {
    background-color: transparent;
    color: var(--primary-color);
    border-color: var(--primary-color);
}

.btn-secondary:hover {
    background-color: var(--primary-color);
    color: var(--white);
}

.btn-white {
    background-color: var(--white);
    color: var(--primary-color);
    border-color: var(--white);
}

.btn-white:hover {
    background-color: transparent;
    color: var(--white);
    border-color: var(--white);
}

.btn-outline-white {
    background-color: transparent;
    color: var(--white);
    border-color: var(--white);
}

.btn-outline-white:hover {
    background-color: var(--white);
    color: var(--primary-color);
}

.btn-large {
    padding: 16px 40px;
    font-size: 1.1rem;
}

.btn-block {
    display: block;
    width: 100%;
}

/* Header */
.header {
    background-color: transparent;
    box-shadow: none;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 15px 0;
    transition: var(--transition);
}

.header.scrolled {
    background-color: var(--white);
    box-shadow: var(--shadow);
}

/* Transparent header link colors */
.header:not(.scrolled) .nav-menu > a,
.header:not(.scrolled) .nav-dropdown-toggle,
.header:not(.scrolled) .phone-link {
    color: var(--white);
}

.header:not(.scrolled) .mobile-menu-toggle span {
    background: var(--white);
}

.nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    position: relative;
}

.logo {
    z-index: 1001;
}

.logo img {
    height: 50px;
    width: 50px;
    border-radius: 50%;
    object-fit: cover;
}

.nav-menu {
    display: flex;
    gap: 30px;
    align-items: center;
}

.nav-menu > a {
    color: var(--text-dark);
    font-weight: 500;
    transition: var(--transition);
    padding: 8px 0;
}

.nav-menu > a:hover {
    color: var(--secondary-color);
}

.phone-link {
    font-weight: 600;
    font-size: 1.1rem;
    color: var(--primary-color);
}

.btn-nav {
    padding: 10px 24px;
    font-size: 0.95rem;
}

/* Dropdown Menu */
.nav-dropdown {
    position: relative;
}

.nav-dropdown-toggle {
    color: var(--text-dark);
    font-weight: 500;
    padding: 8px 0;
    cursor: pointer;
}

.nav-dropdown-toggle::after {
    content: " ▼";
    font-size: 0.7rem;
    margin-left: 5px;
}

.nav-dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: white;
    box-shadow: var(--shadow-lg);
    border-radius: 8px;
    padding: 12px 0;
    min-width: 200px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.3s ease;
    z-index: 1000;
}

.nav-dropdown:hover .nav-dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.nav-dropdown-menu a {
    display: block;
    padding: 10px 20px;
    color: var(--text-dark);
    transition: var(--transition);
}

.nav-dropdown-menu a:hover {
    background: var(--bg-light);
    color: var(--secondary-color);
}

/* Mobile Menu Toggle */
.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 5px;
    z-index: 1001;
}

.mobile-menu-toggle span {
    width: 25px;
    height: 3px;
    background: var(--primary-color);
    transition: all 0.3s ease;
    border-radius: 3px;
}

.mobile-menu-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(7px, 7px);
}

.mobile-menu-toggle.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
}

/* Hero Section */
.hero {
    background: linear-gradient(rgba(0, 51, 102, 0.85), rgba(0, 102, 204, 0.85)), url('../images/hero-background.jpg');
    background-size: cover;
    background-position: center;
    background-attachment: fixed;
    padding: 80px 0;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-text {
    animation: fadeInLeft 0.8s ease-out;
}

.hero h1 {
    font-size: 3.5rem;
    margin-bottom: 1.5rem;
    line-height: 1.1;
    color: var(--white);
}

.hero-subtitle {
    font-size: 1.3rem;
    color: rgba(255, 255, 255, 0.95);
    margin-bottom: 2rem;
}

.hero-cta {
    display: flex;
    gap: 20px;
    margin-bottom: 2rem;
}

.trust-badges {
    display: flex;
    gap: 30px;
    flex-wrap: wrap;
}

.badge {
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 600;
    color: var(--white);
}

.badge-link {
    text-decoration: none;
    transition: var(--transition);
}

.badge-link:hover {
    color: var(--accent-color);
    transform: translateY(-2px);
}

.badge-icon {
    font-size: 1.5rem;
}

.hero-image {
    animation: fadeInRight 0.8s ease-out;
}

.hero-image {
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-image img {
    width: 300px;
    height: 300px;
    border-radius: 50%;
    object-fit: cover;
    box-shadow: var(--shadow-lg);
    border: 5px solid #000000;
}

/* Section Styles */
section {
    padding: 80px 0;
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px;
}

.section-header h2 {
    margin-bottom: 1rem;
}

.section-header p {
    font-size: 1.2rem;
}

/* About Section */
.about {
    background-color: var(--white);
}

.about-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
}

.about-card {
    background-color: var(--bg-light);
    padding: 40px 30px;
    border-radius: 12px;
    text-align: center;
    transition: var(--transition);
}

.about-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.card-icon {
    font-size: 3rem;
    margin-bottom: 1rem;
}

.about-card h3 {
    margin-bottom: 1rem;
    color: var(--primary-color);
}

/* Mutual of Omaha Section */
.mutual-section {
    background-color: var(--white);
    padding: 80px 0;
}

.mutual-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.mutual-image img {
    width: 100%;
    height: 500px;
    object-fit: cover;
    border-radius: 12px;
    box-shadow: var(--shadow-lg);
}

.mutual-text h2 {
    margin-bottom: 2rem;
    color: var(--primary-color);
}

.mutual-features {
    display: flex;
    flex-direction: column;
    gap: 25px;
    margin-bottom: 2.5rem;
}

.mutual-feature {
    display: flex;
    align-items: flex-start;
    gap: 15px;
    padding: 20px;
    background-color: var(--bg-light);
    border-radius: 8px;
    transition: var(--transition);
}

.mutual-feature:hover {
    transform: translateX(5px);
    box-shadow: var(--shadow);
}

.feature-icon {
    font-size: 2rem;
    min-width: 50px;
    text-align: center;
}

.mutual-feature p {
    font-size: 1.1rem;
    line-height: 1.6;
    margin: 0;
    color: var(--text-dark);
}

.mutual-feature strong {
    color: var(--primary-color);
}

.video-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
}

.play-icon {
    font-size: 1.2rem;
}

/* Services Section */
.services {
    background-color: var(--bg-light);
}

/* Loan Carousel */
.loan-carousel {
    position: relative;
    max-width: 900px;
    margin: 0 auto;
    padding: 0 60px;
}

.carousel-container {
    position: relative;
    overflow: hidden;
    border-radius: 12px;
}

.carousel-slide {
    display: none;
    animation: fadeIn 0.5s ease-in-out;
}

.carousel-slide.active {
    display: block;
}

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

.service-card-large {
    background-color: var(--white);
    border-radius: 12px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.loan-image {
    width: 100%;
    height: 300px;
    object-fit: cover;
    display: block;
}

.loan-content {
    padding: 40px 60px;
    flex-grow: 1;
    display: flex;
    flex-direction: column;
}

.service-card-large h3 {
    color: var(--primary-color);
    font-size: 2.5rem;
    margin-bottom: 1.5rem;
}

.service-card-large p {
    font-size: 1.2rem;
    line-height: 1.8;
    margin-bottom: 2rem;
    color: var(--text-dark);
}

.service-card-large ul {
    list-style: none;
    padding-left: 0;
    flex-grow: 1;
}

.service-card-large ul li {
    padding: 12px 0;
    padding-left: 35px;
    position: relative;
    color: var(--text-light);
    font-size: 1.1rem;
    line-height: 1.6;
}

.service-card-large ul li:before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--secondary-color);
    font-weight: bold;
    font-size: 1.3rem;
}

/* Carousel Navigation Buttons */
.carousel-btn {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    background-color: var(--white);
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
    width: 50px;
    height: 50px;
    border-radius: 50%;
    font-size: 2rem;
    cursor: pointer;
    transition: var(--transition);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10;
    box-shadow: var(--shadow);
}

.carousel-btn:hover {
    background-color: var(--primary-color);
    color: var(--white);
    transform: translateY(-50%) scale(1.1);
}

.carousel-prev {
    left: 0;
}

.carousel-next {
    right: 0;
}

/* Carousel Indicators */
.carousel-indicators {
    display: flex;
    justify-content: center;
    gap: 10px;
    margin-top: 30px;
}

.carousel-indicator {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background-color: #ddd;
    cursor: pointer;
    transition: var(--transition);
    border: none;
    padding: 0;
}

.carousel-indicator.active {
    background-color: var(--secondary-color);
    transform: scale(1.3);
}

.carousel-indicator:hover {
    background-color: var(--primary-color);
}

/* Process Section */
.process {
    background-color: var(--white);
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 30px;
    max-width: 1400px;
    margin: 0 auto;
}

.step {
    text-align: center;
    position: relative;
}

.step-number {
    width: 60px;
    height: 60px;
    background-color: var(--secondary-color);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: bold;
    margin: 0 auto 1.5rem;
}

.step h3 {
    margin-bottom: 1rem;
    color: var(--primary-color);
}

/* Testimonials Section */
.testimonials {
    background-color: var(--bg-light);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.testimonial-card {
    background-color: var(--white);
    padding: 40px;
    border-radius: 12px;
    box-shadow: var(--shadow);
}

.stars {
    color: #ffa500;
    font-size: 1.5rem;
    margin-bottom: 1rem;
}

.testimonial-text {
    font-style: italic;
    color: var(--text-dark);
    margin-bottom: 1.5rem;
    line-height: 1.8;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 15px;
}

.author-initial {
    width: 50px;
    height: 50px;
    background-color: var(--secondary-color);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: bold;
}

.author-info {
    display: flex;
    flex-direction: column;
}

.author-info strong {
    color: var(--text-dark);
}

.author-info span {
    color: var(--text-light);
    font-size: 0.9rem;
}

/* CTA Section */
.cta-section {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    color: var(--white);
    text-align: center;
    padding: 80px 0;
}

.cta-content h2 {
    color: var(--white);
    font-size: 3rem;
    margin-bottom: 1rem;
}

.cta-content p {
    color: var(--white);
    font-size: 1.3rem;
    margin-bottom: 2rem;
    opacity: 0.9;
}

.cta-buttons {
    display: flex;
    gap: 20px;
    justify-content: center;
    flex-wrap: wrap;
}

/* Contact Section */
.contact {
    background-color: var(--bg-light);
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 60px;
    max-width: 1100px;
    margin: 0 auto;
}

.contact-info h2 {
    margin-bottom: 1rem;
}

.contact-info > p {
    margin-bottom: 2rem;
    font-size: 1.1rem;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 25px;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 15px;
}

.contact-icon {
    font-size: 1.8rem;
    min-width: 40px;
}

.contact-item strong {
    display: block;
    color: var(--primary-color);
    margin-bottom: 5px;
}

.contact-item a {
    color: var(--text-dark);
}

.contact-item address {
    font-style: normal;
    color: var(--text-light);
}

.contact-subtext {
    display: block;
    font-size: 0.9rem;
    color: var(--text-light);
}

/* Contact Form */
.contact-form-wrapper {
    background-color: var(--white);
    padding: 40px;
    border-radius: 12px;
    box-shadow: var(--shadow);
}

.form-group {
    margin-bottom: 25px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    color: var(--text-dark);
    font-weight: 600;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 15px;
    border: 2px solid #e0e0e0;
    border-radius: 6px;
    font-size: 1rem;
    font-family: inherit;
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--secondary-color);
}

.form-group textarea {
    resize: vertical;
}

.form-disclaimer {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-top: 15px;
    text-align: center;
}

/* Footer */
.footer {
    background-color: var(--primary-color);
    color: var(--white);
    padding: 60px 0 30px;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
}

.footer-section h4 {
    color: var(--white);
    margin-bottom: 1rem;
}

.footer-section p,
.footer-section a,
.footer-section address {
    color: rgba(255, 255, 255, 0.8);
    font-style: normal;
    line-height: 1.8;
}

.footer-section a:hover {
    color: var(--white);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    padding-top: 30px;
    text-align: center;
}

.footer-bottom p {
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 15px;
}

.footer-disclaimer {
    font-size: 0.85rem;
    max-width: 900px;
    margin: 0 auto 20px;
}

.footer-links {
    display: flex;
    justify-content: center;
    gap: 30px;
    flex-wrap: wrap;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.8);
}

.footer-links a:hover {
    color: var(--white);
}

/* Animations */
@keyframes fadeInLeft {
    from {
        opacity: 0;
        transform: translateX(-30px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

@keyframes fadeInRight {
    from {
        opacity: 0;
        transform: translateX(30px);
    }
    to {
        opacity: 1;
        transform: translateX(0);
    }
}

/* Legal Content Styles */
.legal-content {
    max-width: 900px;
    margin: 60px auto;
}

.legal-content article h2 {
    margin-top: 3rem;
    margin-bottom: 1.5rem;
    padding-top: 2rem;
    border-top: 2px solid var(--bg-light);
}

.legal-content article h2:first-child {
    margin-top: 0;
    padding-top: 0;
    border-top: none;
}

.legal-content article h3 {
    margin-top: 2rem;
    margin-bottom: 1rem;
    color: var(--primary-color);
}

.legal-content ul,
.legal-content ol {
    margin-bottom: 1.5rem;
    padding-left: 2rem;
}

.legal-content li {
    margin-bottom: 0.75rem;
    line-height: 1.8;
}

.contact-box {
    background: var(--bg-light);
    padding: 30px;
    border-radius: 12px;
    margin: 2rem 0;
    border-left: 4px solid var(--secondary-color);
}

.contact-box p {
    margin-bottom: 0.5rem;
}

/* Service Page Styles */
.page-hero {
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
    padding: 60px 0 40px;
    margin-top: 80px;
}

.breadcrumb {
    font-size: 0.9rem;
    margin-bottom: 1rem;
    color: var(--text-light);
}

.breadcrumb a {
    color: var(--secondary-color);
}

.page-hero h1 {
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.content-layout {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 60px;
    margin-top: 60px;
}

.main-content {
    max-width: 800px;
}

.main-content article h2 {
    margin-top: 2rem;
    margin-bottom: 1rem;
}

.main-content article h3 {
    margin-top: 1.5rem;
    margin-bottom: 1rem;
}

.main-content article h4 {
    margin-top: 1rem;
    margin-bottom: 0.5rem;
}

.main-content ul,
.main-content ol {
    margin-bottom: 1.5rem;
    padding-left: 1.5rem;
}

.main-content li {
    margin-bottom: 0.5rem;
    color: var(--text-light);
    line-height: 1.8;
}

.loan-program-card {
    background: var(--bg-light);
    padding: 30px;
    border-radius: 12px;
    margin-bottom: 2rem;
    border-left: 4px solid var(--secondary-color);
}

.loan-program-card h4 {
    color: var(--primary-color);
    margin-bottom: 1rem;
}

.process-list {
    counter-reset: process-counter;
    list-style: none;
    padding-left: 0;
}

.process-list li {
    counter-increment: process-counter;
    position: relative;
    padding-left: 60px;
    margin-bottom: 2rem;
}

.process-list li strong {
    display: block;
    color: var(--primary-color);
    font-size: 1.2rem;
    margin-bottom: 0.5rem;
}

.process-list li:before {
    content: counter(process-counter);
    position: absolute;
    left: 0;
    top: 0;
    width: 40px;
    height: 40px;
    background: var(--secondary-color);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: bold;
    font-size: 1.2rem;
}

.cta-box {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    color: white;
    padding: 40px;
    border-radius: 12px;
    text-align: center;
    margin: 3rem 0;
}

.cta-box h3 {
    color: white;
    margin-bottom: 1rem;
}

.cta-box p {
    color: white;
    opacity: 0.9;
    margin-bottom: 2rem;
}

.faq-section {
    margin-top: 2rem;
}

.faq-item {
    margin-bottom: 2rem;
    padding-bottom: 2rem;
    border-bottom: 1px solid #e0e0e0;
}

.faq-item:last-child {
    border-bottom: none;
}

.faq-item h4 {
    color: var(--primary-color);
    margin-bottom: 1rem;
}

.comparison-table {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin: 2rem 0;
}

.comparison-card {
    background: white;
    padding: 30px;
    border-radius: 12px;
    border: 2px solid #e0e0e0;
}

.comparison-card.highlight {
    border-color: var(--secondary-color);
    box-shadow: var(--shadow-lg);
}

.comparison-card h4 {
    color: var(--primary-color);
    margin-bottom: 1rem;
}

/* Sidebar */
.sidebar {
    position: sticky;
    top: 100px;
    align-self: start;
}

.sidebar-widget {
    background: var(--bg-light);
    padding: 30px;
    border-radius: 12px;
    margin-bottom: 30px;
}

.sidebar-widget h3 {
    color: var(--primary-color);
    margin-bottom: 1.5rem;
    font-size: 1.3rem;
}

.service-links {
    list-style: none;
    padding-left: 0;
}

.service-links li {
    margin-bottom: 12px;
}

.service-links a {
    color: var(--text-dark);
    display: block;
    padding: 8px 0;
    transition: var(--transition);
}

.service-links a:hover {
    color: var(--secondary-color);
    padding-left: 10px;
}

/* Blog Styles */
.blog-listing {
    padding: 60px 0;
}

.blog-intro {
    margin-bottom: 3rem;
    font-size: 1.1rem;
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(350px, 1fr));
    gap: 30px;
    margin-bottom: 3rem;
}

.blog-card {
    background: white;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.blog-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.blog-image {
    width: 100%;
    height: 200px;
    background: var(--bg-light);
    overflow: hidden;
}

.blog-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.blog-content {
    padding: 25px;
}

.blog-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1rem;
    font-size: 0.85rem;
}

.blog-category {
    background: var(--secondary-color);
    color: white;
    padding: 4px 12px;
    border-radius: 20px;
    font-weight: 600;
}

.blog-date {
    color: var(--text-light);
}

.blog-card h2 {
    font-size: 1.3rem;
    margin-bottom: 1rem;
}

.blog-card h2 a {
    color: var(--text-dark);
}

.blog-card h2 a:hover {
    color: var(--secondary-color);
}

.blog-card p {
    margin-bottom: 1rem;
    line-height: 1.8;
}

.blog-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.blog-tags span {
    background: var(--bg-light);
    color: var(--text-dark);
    padding: 4px 10px;
    border-radius: 4px;
    font-size: 0.8rem;
}

.blog-notice {
    background: var(--bg-light);
    padding: 40px;
    border-radius: 12px;
    text-align: center;
}

.blog-notice h3 {
    color: var(--primary-color);
    margin-bottom: 1rem;
}

.blog-categories {
    list-style: none;
    padding-left: 0;
}

.blog-categories li {
    margin-bottom: 12px;
}

.blog-categories a {
    color: var(--text-dark);
    display: block;
    padding: 8px 12px;
    border-radius: 6px;
    transition: var(--transition);
}

.blog-categories a:hover {
    background: var(--secondary-color);
    color: white;
}

.blog-tags-list {
    list-style: none;
    padding-left: 0;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.blog-tags-list li {
    background: white;
    padding: 6px 12px;
    border-radius: 20px;
    font-size: 0.85rem;
    color: var(--text-dark);
}

.cta-widget {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    color: white;
}

.cta-widget h3 {
    color: white;
}

.cta-widget p {
    color: white;
    opacity: 0.9;
}

.areas-list {
    list-style: none;
    padding-left: 0;
    columns: 2;
    column-gap: 15px;
}

.areas-list li {
    margin-bottom: 8px;
    color: var(--text-dark);
}

/* AI Chat Widget */
#ai-chat-widget {
    position: fixed;
    bottom: 20px;
    right: 20px;
    z-index: 9999;
}

#chat-toggle {
    display: flex;
    align-items: center;
    gap: 10px;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    color: white;
    border: none;
    padding: 15px 25px;
    border-radius: 50px;
    cursor: pointer;
    box-shadow: 0 4px 20px rgba(0, 51, 102, 0.4);
    transition: var(--transition);
    font-size: 1rem;
    font-weight: 600;
}

#chat-toggle:hover {
    transform: translateY(-3px);
    box-shadow: 0 6px 25px rgba(0, 51, 102, 0.5);
}

#chat-toggle svg {
    width: 24px;
    height: 24px;
}

#chat-container {
    position: fixed;
    bottom: 20px;
    right: 20px;
    width: 380px;
    height: 600px;
    background: white;
    border-radius: 16px;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
    display: flex;
    flex-direction: column;
    overflow: hidden;
    transition: all 0.3s ease;
}

#chat-container.chat-hidden {
    transform: translateY(100vh);
    opacity: 0;
    pointer-events: none;
}

.chat-header {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    color: white;
    padding: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.chat-header-info h3 {
    margin: 0;
    font-size: 1.2rem;
    color: white;
}

.chat-header-info span {
    font-size: 0.85rem;
    opacity: 0.9;
}

#chat-close {
    background: none;
    border: none;
    color: white;
    font-size: 2rem;
    cursor: pointer;
    line-height: 1;
    padding: 0;
    width: 30px;
    height: 30px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

#chat-close:hover {
    opacity: 0.8;
    transform: scale(1.1);
}

.chat-messages {
    flex: 1;
    overflow-y: auto;
    padding: 20px;
    background: var(--bg-light);
    display: flex;
    flex-direction: column;
    gap: 15px;
}

.message {
    display: flex;
    animation: messageSlideIn 0.3s ease-out;
}

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

.message-content {
    padding: 12px 16px;
    border-radius: 12px;
    max-width: 80%;
    line-height: 1.5;
    word-wrap: break-word;
}

.user-message {
    justify-content: flex-end;
}

.user-message .message-content {
    background: linear-gradient(135deg, var(--secondary-color) 0%, var(--primary-color) 100%);
    color: white;
    border-bottom-right-radius: 4px;
}

.bot-message {
    justify-content: flex-start;
}

.bot-message .message-content {
    background: white;
    color: var(--text-dark);
    border-bottom-left-radius: 4px;
    box-shadow: 0 2px 5px rgba(0, 0, 0, 0.05);
}

.typing-indicator .message-content {
    display: flex;
    gap: 5px;
    padding: 16px;
}

.typing-indicator span {
    width: 8px;
    height: 8px;
    background: var(--text-light);
    border-radius: 50%;
    animation: typingBounce 1.4s infinite;
}

.typing-indicator span:nth-child(2) {
    animation-delay: 0.2s;
}

.typing-indicator span:nth-child(3) {
    animation-delay: 0.4s;
}

@keyframes typingBounce {
    0%, 60%, 100% {
        transform: translateY(0);
    }
    30% {
        transform: translateY(-10px);
    }
}

.chat-input-wrapper {
    display: flex;
    gap: 10px;
    padding: 15px 20px;
    background: white;
    border-top: 1px solid #e0e0e0;
}

#chat-input {
    flex: 1;
    padding: 12px 15px;
    border: 2px solid #e0e0e0;
    border-radius: 25px;
    font-size: 0.95rem;
    font-family: inherit;
    transition: var(--transition);
}

#chat-input:focus {
    outline: none;
    border-color: var(--secondary-color);
}

#chat-send {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    color: white;
    border: none;
    width: 45px;
    height: 45px;
    border-radius: 50%;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

#chat-send:hover {
    transform: scale(1.1);
    box-shadow: 0 4px 15px rgba(0, 51, 102, 0.3);
}

#chat-send svg {
    width: 20px;
    height: 20px;
}

/* Responsive Design */
@media (max-width: 968px) {
    /* Mobile Menu */
    .mobile-menu-toggle {
        display: flex;
    }

    .nav-menu {
        position: fixed;
        top: 80px;
        right: -100%;
        width: 280px;
        height: calc(100vh - 80px);
        background: white;
        box-shadow: var(--shadow-lg);
        flex-direction: column;
        align-items: flex-start;
        padding: 30px 20px;
        gap: 0;
        transition: right 0.3s ease;
        overflow-y: auto;
    }

    .nav-menu.active {
        right: 0;
    }

    .nav-menu > a {
        width: 100%;
        padding: 15px 0;
        border-bottom: 1px solid #e0e0e0;
    }

    .nav-dropdown {
        width: 100%;
    }

    .nav-dropdown-toggle {
        width: 100%;
        display: block;
        padding: 15px 0;
        border-bottom: 1px solid #e0e0e0;
    }

    .nav-dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        padding: 0;
        background: var(--bg-light);
        margin: 10px 0;
        border-radius: 8px;
        display: none;
    }

    .nav-dropdown.active .nav-dropdown-menu {
        display: block;
    }

    .nav-dropdown-menu a {
        padding: 12px 15px;
    }

    .phone-link {
        font-size: 1rem;
        padding: 15px 0;
        border-bottom: 1px solid #e0e0e0;
        width: 100%;
    }

    .btn-nav {
        width: 100%;
        margin-top: 15px;
        text-align: center;
    }

    h1 {
        font-size: 2.5rem;
    }

    h2 {
        font-size: 2rem;
    }

    .hero h1 {
        font-size: 2.5rem;
    }

    .hero-content {
        grid-template-columns: 1fr;
    }

    .hero-text {
        text-align: center;
    }

    .hero-cta {
        justify-content: center;
    }

    .trust-badges {
        justify-content: center;
    }

    .mutual-content {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .mutual-image img {
        height: 400px;
    }

    .contact-wrapper {
        grid-template-columns: 1fr;
    }

    .hero-cta {
        flex-direction: column;
    }

    .cta-buttons {
        flex-direction: column;
        align-items: center;
    }

    .btn {
        width: 100%;
        max-width: 300px;
    }
}

@media (max-width: 768px) {
    .content-layout {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .comparison-table {
        grid-template-columns: 1fr;
    }

    .blog-grid {
        grid-template-columns: 1fr;
    }

    .sidebar {
        position: static;
    }

    .page-hero {
        padding: 40px 0 30px;
    }

    section {
        padding: 50px 0;
    }

    .mutual-section {
        padding: 50px 0;
    }

    .mutual-image img {
        height: 300px;
    }

    .mutual-feature {
        padding: 15px;
    }

    .mutual-feature p {
        font-size: 1rem;
    }

    .hero {
        padding: 50px 0;
    }

    h1 {
        font-size: 2rem;
    }

    h2 {
        font-size: 1.75rem;
    }

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

    .hero-subtitle {
        font-size: 1.1rem;
    }

    .hero-text {
        text-align: center;
    }

    .hero-cta {
        justify-content: center;
    }

    .trust-badges {
        flex-direction: column;
        gap: 15px;
        align-items: center;
    }

    .loan-carousel {
        padding: 0 50px;
    }

    .loan-image {
        height: 250px;
    }

    .loan-content {
        padding: 30px 40px;
    }

    .service-card-large h3 {
        font-size: 2rem;
    }

    .service-card-large p {
        font-size: 1.1rem;
    }

    .service-card-large ul li {
        font-size: 1rem;
    }

    .carousel-btn {
        width: 45px;
        height: 45px;
        font-size: 1.8rem;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .nav-contact {
        flex-direction: column;
        gap: 10px;
    }

    .phone-link {
        font-size: 1rem;
    }

    .contact-form-wrapper {
        padding: 25px;
    }

    .cta-content h2 {
        font-size: 2rem;
    }

    .cta-content p {
        font-size: 1.1rem;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 15px;
    }

    h1 {
        font-size: 1.75rem;
    }

    .hero h1 {
        font-size: 1.75rem;
    }

    .hero-text {
        text-align: center;
    }

    .hero-cta {
        justify-content: center;
    }

    .trust-badges {
        align-items: center;
    }

    .btn-large {
        padding: 14px 30px;
        font-size: 1rem;
    }

    .about-grid {
        grid-template-columns: 1fr;
    }

    .process-steps {
        grid-template-columns: repeat(2, 1fr);
    }

    .testimonials-grid {
        grid-template-columns: 1fr;
    }

    .loan-carousel {
        padding: 0 40px;
    }

    .loan-image {
        height: 200px;
    }

    .loan-content {
        padding: 25px 30px;
    }

    .service-card-large h3 {
        font-size: 1.75rem;
    }

    .service-card-large p {
        font-size: 1rem;
        margin-bottom: 1.5rem;
    }

    .service-card-large ul li {
        font-size: 0.95rem;
        padding: 10px 0;
        padding-left: 30px;
    }

    .carousel-btn {
        width: 40px;
        height: 40px;
        font-size: 1.5rem;
    }

    .carousel-prev {
        left: -5px;
    }

    .carousel-next {
        right: -5px;
    }

    /* Chat Widget Mobile */
    #chat-container {
        width: 100%;
        height: 100vh;
        bottom: 0;
        right: 0;
        border-radius: 0;
    }

    #chat-toggle {
        bottom: 15px;
        right: 15px;
        padding: 12px 20px;
        font-size: 0.9rem;
    }
}