/* Global Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    line-height: 1.6;
    color: #333;
    background: white;
}

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

/* Header Styles */
.header {
    background: white;
    padding: 1rem 0;
    position: sticky;
    top: 0;
    z-index: 100;
}

.header-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
}

.logo-container {
    display: flex;
    align-items: center;
}

.logo {
    height: 60px;
    width: auto;
}

.nav-list {
    list-style: none;
    display: flex;
    gap: 2rem;
    align-items: center;
}

.nav-link {
    color: #374151;
    text-decoration: none;
    font-weight: 500;
    padding: 0.5rem 1rem;
    border-radius: 5px;
    transition: all 0.3s;
    position: relative;
}

.nav-link:hover, .nav-link.active {
    background: #f3f4f6;
    color: #f97316;
}

/* Dropdown Styles */
.dropdown {
    position: relative;
}

.dropdown-content {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    background: white;
    min-width: 200px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.15);
    border-radius: 8px;
    padding: 0.5rem 0;
    z-index: 1000;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.2s ease-in-out;
    margin-top: 5px;
}

.dropdown:hover .dropdown-content,
.dropdown-content:hover {
    display: block !important;
    opacity: 1 !important;
    visibility: visible !important;
    transform: translateY(0) !important;
}

/* Add hover bridge to prevent dropdown from disappearing */
.dropdown::after {
    content: '';
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    height: 10px;
    background: transparent;
    z-index: 999;
}

/* Ensure dropdown stays visible when hovering over it */
.dropdown:hover::after {
    display: block;
}

.dropdown-content a {
    display: block;
    padding: 0.75rem 1rem;
    color: #374151;
    text-decoration: none;
    transition: all 0.3s;
}

.dropdown-content a:hover, .dropdown-content a.active {
    background: #f97316;
    color: white;
}

.contact-info {
    display: block;
}

.phone {
    font-size: 1.2rem;
    font-weight: bold;
    color: #f97316;
    text-decoration: none;
    padding: 0.5rem 1rem;
    border: 2px solid #f97316;
    border-radius: 8px;
    transition: all 0.3s;
}

.phone:hover {
    background: #f97316;
    color: white;
}

/* Hero Sections */
.hero, .state-hero {
    background: white;
    padding: 2.5rem 0;
}

.hero-content, .state-hero-content {
    display: grid;
    grid-template-columns: 1fr 300px;
    gap: 3rem;
    align-items: center;
}

.hero-text h1, .state-hero-text h1 {
    font-size: 3rem;
    margin-bottom: 1rem;
    color: #1f2937;
}

.subtitle, .state-subtitle {
    font-size: 1.3rem;
    color: #f97316;
    margin-bottom: 1rem;
    font-weight: 600;
}

.description, .state-description {
    font-size: 1.1rem;
    color: #6b7280;
    margin-bottom: 2rem;
    line-height: 1.8;
}

.hero-image, .state-hero-image {
    text-align: center;
}

.hero-image img, .state-hero-image img {
    width: 280px;
    height: 280px;
    border-radius: 50%;
    object-fit: cover;
    border: 5px solid #f97316;
}

.state-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    margin-bottom: 2rem;
}

.state-stat {
    text-align: center;
    padding: 1rem;
    background: #f9fafb;
    border-radius: 10px;
}

.state-stat .stat-number {
    font-size: 2rem;
    font-weight: bold;
    color: #f97316;
    margin-bottom: 0.5rem;
}

.state-stat .stat-label {
    color: #6b7280;
    font-size: 0.9rem;
}

/* Button Styles */
.cta-buttons {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

.btn-primary {
    background: #f97316;
    color: white;
    padding: 1rem 2rem;
    border: none;
    border-radius: 8px;
    font-size: 1.1rem;
    font-weight: bold;
    cursor: pointer;
    text-decoration: none;
    display: inline-block;
    transition: all 0.3s;
}

.btn-primary:hover {
    background: #ea580c;
    transform: translateY(-2px);
    box-shadow: 0 4px 15px rgba(249, 115, 22, 0.3);
}

.btn-secondary {
    background: white;
    color: #f97316;
    padding: 1rem 2rem;
    border: 2px solid #f97316;
    border-radius: 8px;
    font-size: 1.1rem;
    font-weight: bold;
    cursor: pointer;
    text-decoration: none;
    display: inline-block;
    transition: all 0.3s;
}

.btn-secondary:hover {
    background: #f97316;
    color: white;
    transform: translateY(-2px);
}

/* Stats Section */
.stats {
    background: #f9fafb;
    padding: 2rem 0 4rem 0;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
}

.stat-item {
    background: white;
    padding: 2.5rem;
    border-radius: 15px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    text-align: center;
    transition: all 0.3s;
}

.stat-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
}

.stat-number {
    font-size: 3.5rem;
    font-weight: bold;
    color: #f97316;
    margin-bottom: 0.5rem;
}

.stat-label {
    color: #6b7280;
    font-size: 1.2rem;
    font-weight: 500;
}

/* Service Areas and Programs */
.service-areas-preview, .loan-programs-preview, .loan-programs {
    padding: 4rem 0;
}

.service-areas-preview {
    background: #f9fafb;
}

.service-areas-preview h2, .loan-programs-preview h2, .loan-programs h2 {
    text-align: center;
    font-size: 2.5rem;
    margin-bottom: 1rem;
    color: #1f2937;
}

.service-areas-preview .subtitle {
    text-align: center;
    font-size: 1.2rem;
    color: #6b7280;
    margin-bottom: 3rem;
}

.states-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.state-card {
    background: white;
    padding: 2rem;
    border-radius: 15px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    transition: all 0.3s;
    text-decoration: none;
    color: inherit;
    border: 2px solid transparent;
}

.state-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
    border-color: #f97316;
}

.state-name {
    font-size: 1.5rem;
    font-weight: bold;
    color: #1f2937;
    margin-bottom: 0.5rem;
}

.state-experience {
    color: #f97316;
    font-weight: 600;
    margin-bottom: 1rem;
}

.state-cities {
    color: #6b7280;
    font-size: 0.9rem;
    line-height: 1.6;
}

.programs-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.program-card {
    background: white;
    padding: 2rem;
    border-radius: 15px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    transition: all 0.3s;
    text-decoration: none;
    color: inherit;
    border: 2px solid transparent;
}

.program-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
    border-color: #f97316;
}

.program-card h3 {
    color: #f97316;
    margin-bottom: 1rem;
    font-size: 1.3rem;
}

.program-card p {
    color: #6b7280;
    line-height: 1.6;
}

/* Cities Section */
.cities-section {
    padding: 4rem 0;
    background: #f9fafb;
}

.cities-section h2 {
    text-align: center;
    font-size: 2.5rem;
    margin-bottom: 3rem;
    color: #1f2937;
}

.cities-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.city-card {
    background: white;
    padding: 2rem;
    border-radius: 15px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    transition: all 0.3s;
}

.city-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
}

.city-card h3 {
    color: #f97316;
    margin-bottom: 1rem;
    font-size: 1.4rem;
}

.city-details p {
    color: #6b7280;
    margin-bottom: 0.5rem;
    line-height: 1.6;
}

.city-details strong {
    color: #1f2937;
}

/* Market Insights */
.market-insights {
    padding: 4rem 0;
}

.market-insights h2 {
    text-align: center;
    font-size: 2.5rem;
    margin-bottom: 3rem;
    color: #1f2937;
}

.insights-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
}

.insight-card {
    background: #f9fafb;
    padding: 2rem;
    border-radius: 15px;
    transition: all 0.3s;
}

.insight-card:hover {
    background: white;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.insight-card h3 {
    color: #f97316;
    margin-bottom: 1rem;
    font-size: 1.3rem;
}

.insight-card p {
    color: #6b7280;
    line-height: 1.6;
}

/* Success Stories */
.success-stories {
    padding: 4rem 0;
    background: #f9fafb;
}

.success-stories h2 {
    text-align: center;
    font-size: 2.5rem;
    margin-bottom: 3rem;
    color: #1f2937;
}

.stories-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.story-card {
    background: white;
    padding: 2rem;
    border-radius: 15px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    transition: all 0.3s;
}

.story-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
}

.story-card h3 {
    color: #f97316;
    margin-bottom: 1rem;
    font-size: 1.3rem;
}

.story-card p {
    color: #6b7280;
    line-height: 1.6;
    margin-bottom: 1rem;
    font-style: italic;
}

.story-details {
    color: #1f2937;
    font-weight: 600;
    font-size: 0.9rem;
}

/* About Section */
.about {
    padding: 4rem 0;
}

.about-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.about-text h2 {
    font-size: 2.5rem;
    margin-bottom: 1.5rem;
    color: #1f2937;
}

.about-text p {
    font-size: 1.1rem;
    color: #6b7280;
    margin-bottom: 1.5rem;
    line-height: 1.8;
}

.credentials {
    background: #f9fafb;
    padding: 2rem;
    border-radius: 10px;
    margin-top: 2rem;
}

.credentials h3 {
    color: #f97316;
    margin-bottom: 1rem;
}

.credentials ul {
    list-style: none;
}

.credentials li {
    padding: 0.5rem 0;
    color: #374151;
}

.credentials li:before {
    content: "✓ ";
    color: #10b981;
    font-weight: bold;
}

.about-image img {
    width: 100%;
    border-radius: 15px;
}

/* Contact Sections */
.contact, .contact-cta {
    background: white;
    color: #1f2937;
    padding: 4rem 0;
}

.contact-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
}

.contact-info h2, .contact-cta-content h2 {
    color: #f97316;
    margin-bottom: 2rem;
    font-size: 2.5rem;
}

.contact-item {
    margin-bottom: 1.5rem;
}

.contact-item h3 {
    color: #f97316;
    margin-bottom: 0.5rem;
}

.contact-item p {
    color: #374151;
}

.contact-form {
    background: #f8fafc;
    padding: 2rem;
    border-radius: 15px;
    border: 1px solid #e5e7eb;
}

.contact-form h3 {
    color: #f97316;
    margin-bottom: 1.5rem;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    color: #d1d5db;
}

.form-group input, .form-group textarea {
    width: 100%;
    padding: 1rem;
    border: none;
    border-radius: 8px;
    background: #4b5563;
    color: white;
}

.form-group input::placeholder, .form-group textarea::placeholder {
    color: #9ca3af;
}

.contact-cta-content {
    text-align: center;
}

.contact-cta-content p {
    color: #374151;
    font-size: 1.2rem;
    margin-bottom: 2rem;
}

.contact-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
}

/* Footer */
.footer {
    background: #111827;
    color: white;
    padding: 3rem 0 2rem;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 3rem;
    margin-bottom: 2rem;
}

.footer-section h3 {
    color: #f97316;
    margin-bottom: 1.5rem;
    font-size: 1.2rem;
}

.footer-section p, .footer-section a {
    color: #d1d5db;
    text-decoration: none;
    line-height: 1.8;
    margin-bottom: 0.5rem;
    display: block;
}

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

.footer-bottom {
    border-top: 1px solid #374151;
    padding-top: 2rem;
    text-align: center;
    color: #9ca3af;
    font-size: 0.9rem;
    line-height: 1.6;
}

/* Responsive Design */
@media (max-width: 768px) {
    .hero-content, .state-hero-content, .about-content {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .hero-text h1, .state-hero-text h1 {
        font-size: 2.2rem;
    }
    
    .contact-content {
        grid-template-columns: 1fr;
    }
    
    .header-content {
        flex-direction: column;
        gap: 1rem;
    }
    
    .nav-list {
        flex-wrap: wrap;
        justify-content: center;
    }
    
    .contact-info {
        order: -1;
    }
    
    .states-grid, .programs-grid, .cities-grid {
        grid-template-columns: 1fr;
    }
    
    .state-stats {
        grid-template-columns: 1fr;
    }
    
    .contact-buttons {
        flex-direction: column;
        align-items: center;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 15px;
    }
    
    .hero, .state-hero {
        padding: 0.8rem 0; /* Further reduced from 1rem to 0.8rem */
    }
    
    .hero-image img, .state-hero-image img {
        width: 150px; /* Further reduced from 160px to 150px */
        height: 150px;
    }
    
    /* Hide subtitle on mobile to save space */
    .subtitle, .state-subtitle {
        display: none;
    }
    
    /* Enhanced button sizing for mobile */
    .btn-primary, .btn-secondary {
        padding: 0.8rem 1.6rem; /* Further reduced padding */
        font-size: 1rem; /* Slightly smaller font */
        min-height: 48px; /* Minimum touch target size */
        display: flex;
        align-items: center;
        justify-content: center;
        margin: 0.2rem 0; /* Further reduced margin */
    }
    
    /* Better typography for mobile */
    .hero-text h1, .state-hero-text h1 {
        font-size: 1.5rem; /* Further reduced from 1.6rem */
        margin-bottom: 0.5rem; /* Further reduced margin */
        line-height: 1.1; /* Tighter line height */
    }
    
    /* Improved navigation for mobile */
    .nav-link {
        padding: 1rem;
        min-height: 48px;
        display: flex;
        align-items: center;
    }
    
    .phone {
        padding: 0.8rem 1.5rem;
        font-size: 1.1rem;
        min-height: 48px;
        display: flex;
        align-items: center;
        justify-content: center;
    }
    
    /* Better spacing for mobile content */
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
        margin: 2rem 0;
    }
    
    .stat-number {
        font-size: 2.5rem;
    }
    
    .stat-label {
        font-size: 0.9rem;
    }
    
    /* Enhanced dropdown for mobile */
    .dropdown-content {
        min-width: 250px;
        font-size: 1rem;
    }
    
    .dropdown-content a {
        padding: 1rem;
        min-height: 48px;
        display: flex;
        align-items: center;
    }
    
    .description, .state-description {
        font-size: 1rem;
        margin-bottom: 1.5rem;
        line-height: 1.6;
    }
}


/* Navigation styles for loan program pages */
.nav {
    background: white;
    padding: 1rem 0;
    position: sticky;
    top: 0;
    z-index: 100;
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
}

.nav-logo .logo {
    height: 60px;
    width: auto;
}

.nav-menu {
    list-style: none;
    display: flex;
    gap: 2rem;
    align-items: center;
    margin: 0;
    padding: 0;
}

.nav-menu li {
    position: relative;
}

.nav-menu a {
    color: #374151;
    text-decoration: none;
    font-weight: 500;
    padding: 0.5rem 1rem;
    border-radius: 5px;
    transition: all 0.3s;
    display: block;
}

.nav-menu a:hover {
    background: #f3f4f6;
    color: #f97316;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: white;
    border: 1px solid #e5e7eb;
    border-radius: 8px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.1);
    min-width: 200px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.3s;
    z-index: 1000;
    list-style: none;
    margin: 0;
    padding: 0.5rem 0;
}

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

.dropdown-menu li {
    margin: 0;
}

.dropdown-menu a {
    padding: 0.75rem 1rem;
    color: #374151;
    border-radius: 0;
}

.dropdown-menu a:hover {
    background: #f3f4f6;
    color: #f97316;
}

.phone-number {
    color: #f97316;
    text-decoration: none;
    font-weight: bold;
    font-size: 1.1rem;
    padding: 0.5rem 1rem;
    border: 2px solid #f97316;
    border-radius: 5px;
    transition: all 0.3s;
}

.phone-number:hover {
    background: #f97316;
    color: white;
}

/* Mobile responsive for loan program navigation */
@media (max-width: 768px) {
    .nav-container {
        flex-direction: column;
        gap: 1rem;
    }
    
    .nav-menu {
        flex-wrap: wrap;
        justify-content: center;
        gap: 1rem;
    }
    
    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        background: transparent;
        display: none;
    }
    
    .dropdown:hover .dropdown-menu,
    .dropdown-menu:hover {
        display: block;
        opacity: 1;
        visibility: visible;
        transform: translateY(0);
    }
}


/* Loan Program Hero Sections */
.loan-hero {
    background: white;
    color: #1f2937;
    padding: 80px 0;
    text-align: center;
    border-bottom: 1px solid #e5e7eb;
}

.loan-hero h1 {
    font-size: 3rem;
    margin-bottom: 1rem;
    font-weight: 700;
}

.loan-hero p {
    font-size: 1.25rem;
    max-width: 600px;
    margin: 0 auto 2rem;
    opacity: 0.8;
}

.loan-hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    text-align: left;
}

.loan-hero-text h1 {
    font-size: 2.5rem;
    margin-bottom: 1rem;
    color: #1f2937;
}

.loan-subtitle {
    color: #f97316;
    font-weight: 600;
    margin-bottom: 1rem;
}

.loan-description {
    color: #6b7280;
    line-height: 1.6;
    margin-bottom: 2rem;
}

.loan-highlights {
    display: flex;
    gap: 2rem;
    margin-bottom: 2rem;
}

.highlight-item {
    text-align: center;
}

.highlight-number {
    font-size: 1.5rem;
    font-weight: bold;
    color: #f97316;
}

.highlight-label {
    font-size: 0.9rem;
    color: #6b7280;
}

.loan-hero-image img {
    width: 100%;
    max-width: 300px;
    border-radius: 15px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
}

@media (max-width: 768px) {
    .loan-hero-content {
        grid-template-columns: 1fr;
        text-align: center;
    }
    
    .loan-hero-text h1 {
        font-size: 2rem;
    }
    
    .loan-highlights {
        justify-content: center;
    }
}


/* Smooth scrolling and offset for fixed header */
html {
    scroll-behavior: smooth;
    scroll-padding-top: 100px; /* Adjust based on header height */
}

/* Alternative method for older browsers */
section[id] {
    scroll-margin-top: 100px;
}



/* Enhanced Loan Types Section Styling */
.loan-types {
    padding: 4rem 0;
    background: #f8fafc;
}

.loan-types h2 {
    text-align: center;
    font-size: 2.5rem;
    color: #1f2937;
    margin-bottom: 3rem;
    font-weight: 700;
}

.types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-top: 2rem;
}

.type-card {
    background: white;
    border-radius: 12px;
    padding: 2rem;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
    border: 1px solid #e5e7eb;
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
}

.type-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #f97316, #ea580c);
}

.type-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 25px rgba(0, 0, 0, 0.1);
}

.type-card h3 {
    color: #1f2937;
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 1rem;
    padding-top: 0.5rem;
}

.type-card p {
    color: #6b7280;
    font-size: 1rem;
    line-height: 1.6;
    margin-bottom: 1.5rem;
}

.type-card ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.type-card ul li {
    position: relative;
    padding: 0.5rem 0 0.5rem 2rem;
    color: #374151;
    font-size: 0.95rem;
    line-height: 1.5;
    border-bottom: 1px solid #f3f4f6;
}

.type-card ul li:last-child {
    border-bottom: none;
}

.type-card ul li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: 0.5rem;
    width: 1.2rem;
    height: 1.2rem;
    background: #f97316;
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    font-weight: bold;
}

/* Construction Process Section */
.construction-process {
    padding: 4rem 0;
    background: white;
}

.construction-process h2 {
    text-align: center;
    font-size: 2.5rem;
    color: #1f2937;
    margin-bottom: 3rem;
    font-weight: 700;
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
    margin-top: 2rem;
}

.step-card {
    background: white;
    border-radius: 12px;
    padding: 2rem;
    text-align: center;
    border: 2px solid #f3f4f6;
    transition: all 0.3s ease;
    position: relative;
}

.step-card:hover {
    border-color: #f97316;
    transform: translateY(-3px);
    box-shadow: 0 8px 20px rgba(249, 115, 22, 0.1);
}

.step-number {
    width: 3rem;
    height: 3rem;
    background: linear-gradient(135deg, #f97316, #ea580c);
    color: 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-card h3 {
    color: #1f2937;
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.step-card p {
    color: #6b7280;
    line-height: 1.6;
}

/* Enhanced Benefits Section */
.loan-benefits {
    padding: 4rem 0;
    background: #f8fafc;
}

.loan-benefits h2 {
    text-align: center;
    font-size: 2.5rem;
    color: #1f2937;
    margin-bottom: 3rem;
    font-weight: 700;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-top: 2rem;
}

.benefit-card {
    background: white;
    border-radius: 16px;
    padding: 2.5rem;
    text-align: center;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
    border: 2px solid #e5e7eb;
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
}

.benefit-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #f97316, #ea580c);
}

.benefit-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(249, 115, 22, 0.15);
    border-color: #f97316;
}

.benefit-card h3 {
    color: #1f2937;
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 1.2rem;
    padding-top: 0.5rem;
    line-height: 1.3;
}

.benefit-card p {
    color: #6b7280;
    line-height: 1.7;
    font-size: 1rem;
}

/* Requirements Section */
.loan-requirements {
    padding: 4rem 0;
    background: white;
}

.loan-requirements h2 {
    text-align: center;
    font-size: 2.5rem;
    color: #1f2937;
    margin-bottom: 3rem;
    font-weight: 700;
}

.requirements-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-top: 2rem;
}

.requirement-card {
    background: #f8fafc;
    border-radius: 12px;
    padding: 2rem;
    text-align: center;
    border: 2px solid #e5e7eb;
    transition: all 0.3s ease;
}

.requirement-card:hover {
    border-color: #f97316;
    background: white;
    box-shadow: 0 8px 20px rgba(249, 115, 22, 0.1);
}

.requirement-card h3 {
    color: #1f2937;
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.requirement-card p {
    color: #6b7280;
    line-height: 1.6;
    font-size: 0.9rem;
}

/* Responsive Design for New Sections */
@media (max-width: 768px) {
    .types-grid, .process-steps, .benefits-grid, .requirements-grid {
        grid-template-columns: 1fr;
    }
    
    .loan-types h2, .construction-process h2, .loan-benefits h2, .loan-requirements h2 {
        font-size: 2rem;
    }
    
    .type-card, .step-card, .benefit-card, .requirement-card {
        padding: 1.5rem;
    }
}

@media (max-width: 480px) {
    .loan-types h2, .construction-process h2, .loan-benefits h2, .loan-requirements h2 {
        font-size: 1.8rem;
    }
    
    .type-card ul li {
        padding-left: 1.5rem;
        font-size: 0.9rem;
    }
    
    .type-card ul li::before {
        width: 1rem;
        height: 1rem;
        font-size: 0.7rem;
    }
}


/* Google Reviews Section */
.reviews-section {
    padding: 5rem 0;
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
}

.reviews-content {
    text-align: center;
}

.reviews-header {
    margin-bottom: 3rem;
}

.reviews-header h2 {
    font-size: 2.5rem;
    color: #1f2937;
    margin-bottom: 1rem;
    font-weight: 700;
}

.google-rating {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 1rem;
    margin-bottom: 1rem;
}

.rating-stars {
    display: flex;
    gap: 0.2rem;
}

.rating-stars .star {
    color: #fbbf24;
    font-size: 1.5rem;
    text-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
}

.rating-text {
    font-size: 1.1rem;
    color: #374151;
    font-weight: 600;
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin: 3rem 0;
}

.review-card {
    background: white;
    border-radius: 16px;
    padding: 2rem;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
    border: 2px solid #f3f4f6;
    transition: all 0.3s ease;
    position: relative;
}

.review-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.12);
    border-color: #f97316;
}

.review-stars {
    color: #fbbf24;
    font-size: 1.2rem;
    margin-bottom: 1rem;
    text-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
}

.review-text {
    font-size: 1rem;
    line-height: 1.6;
    color: #374151;
    margin-bottom: 1rem;
    font-style: italic;
}

.review-author {
    font-size: 0.9rem;
    color: #6b7280;
    font-weight: 500;
}

.reviews-cta {
    display: flex;
    gap: 1rem;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
    margin-top: 2rem;
}

.reviews-cta .btn-primary,
.reviews-cta .btn-secondary {
    padding: 1rem 2rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: 8px;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.reviews-cta .btn-primary {
    background: linear-gradient(135deg, #f97316, #ea580c);
    color: white;
    border: 2px solid transparent;
}

.reviews-cta .btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(249, 115, 22, 0.3);
}

.reviews-cta .btn-secondary {
    background: white;
    color: #f97316;
    border: 2px solid #f97316;
}

.reviews-cta .btn-secondary:hover {
    background: #f97316;
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(249, 115, 22, 0.2);
}

/* Responsive Design for Reviews */
@media (max-width: 768px) {
    .reviews-section {
        padding: 3rem 0;
    }
    
    .reviews-header h2 {
        font-size: 2rem;
    }
    
    .google-rating {
        flex-direction: column;
        gap: 0.5rem;
    }
    
    .reviews-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
        margin: 2rem 0;
    }
    
    .review-card {
        padding: 1.5rem;
    }
    
    .reviews-cta {
        flex-direction: column;
        gap: 1rem;
    }
    
    .reviews-cta .btn-primary,
    .reviews-cta .btn-secondary {
        width: 100%;
        max-width: 300px;
        justify-content: center;
    }
}


/* Compact Reviews Section for Loan Program Pages */
.reviews-section-compact {
    padding: 3rem 0;
    background: #f8fafc;
    border-top: 1px solid #e5e7eb;
}

.reviews-compact-content {
    text-align: center;
    max-width: 600px;
    margin: 0 auto;
}

.reviews-compact-header h3 {
    font-size: 1.8rem;
    color: #1f2937;
    margin-bottom: 1rem;
    font-weight: 700;
}

.google-rating-compact {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 1rem;
    margin-bottom: 2rem;
}

.google-rating-compact .rating-stars {
    color: #fbbf24;
    font-size: 1.3rem;
    text-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
}

.google-rating-compact .rating-text {
    font-size: 1rem;
    color: #374151;
    font-weight: 600;
}

.reviews-compact-cta {
    margin-top: 1.5rem;
}

.btn-reviews {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 1rem 2rem;
    background: white;
    color: #f97316;
    border: 2px solid #f97316;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s ease;
}

.btn-reviews:hover {
    background: #f97316;
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(249, 115, 22, 0.2);
}

.btn-reviews::after {
    content: '→';
    transition: transform 0.3s ease;
}

.btn-reviews:hover::after {
    transform: translateX(3px);
}

/* Responsive Design for Compact Reviews */
@media (max-width: 768px) {
    .reviews-section-compact {
        padding: 2rem 0;
    }
    
    .reviews-compact-header h3 {
        font-size: 1.5rem;
    }
    
    .google-rating-compact {
        flex-direction: column;
        gap: 0.5rem;
        margin-bottom: 1.5rem;
    }
    
    .btn-reviews {
        width: 100%;
        max-width: 280px;
        justify-content: center;
    }
}


/* Premium Qualification Section Styling */
.qualification-overview {
    max-width: 1200px;
    margin: 0 auto;
}

.qualification-intro {
    text-align: center;
    margin-bottom: 3rem;
    padding: 2rem;
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    border-radius: 16px;
    border: 1px solid #e5e7eb;
}

.qualification-intro h3 {
    font-size: 1.8rem;
    color: #1f2937;
    margin-bottom: 1rem;
    font-weight: 700;
}

.qualification-intro p {
    font-size: 1.1rem;
    color: #4b5563;
    line-height: 1.6;
    max-width: 600px;
    margin: 0 auto;
}

.qualification-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 2rem;
    margin: 3rem 0;
}

.qualification-item {
    background: white;
    border-radius: 16px;
    padding: 2rem;
    text-align: center;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
    border: 2px solid #e5e7eb;
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
}

.qualification-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #f97316, #ea580c);
}

.qualification-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(249, 115, 22, 0.15);
    border-color: #f97316;
}

.qualification-item h3 {
    color: #1f2937;
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 1rem;
    padding-top: 0.5rem;
}

.qualification-item p {
    color: #4b5563;
    line-height: 1.6;
    font-size: 1rem;
}

.qualification-item em {
    color: #f97316;
    font-style: normal;
    font-weight: 600;
    font-size: 0.9rem;
}

.qualification-cta {
    text-align: center;
    margin-top: 4rem;
    padding: 3rem;
    background: linear-gradient(135deg, #1e3a8a 0%, #1e40af 100%);
    border-radius: 20px;
    color: white;
}

.qualification-cta h3 {
    font-size: 2rem;
    margin-bottom: 1rem;
    font-weight: 700;
}

.qualification-cta p {
    font-size: 1.1rem;
    margin-bottom: 2rem;
    opacity: 0.9;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.qualification-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
}

.qualification-buttons .btn-primary,
.qualification-buttons .btn-secondary {
    padding: 1rem 2rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: 8px;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    min-width: 200px;
    justify-content: center;
}

.qualification-buttons .btn-primary {
    background: linear-gradient(135deg, #f97316, #ea580c);
    color: white;
    border: 2px solid transparent;
}

.qualification-buttons .btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(249, 115, 22, 0.4);
}

.qualification-buttons .btn-secondary {
    background: white;
    color: #1e3a8a;
    border: 2px solid white;
}

.qualification-buttons .btn-secondary:hover {
    background: transparent;
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(255, 255, 255, 0.2);
}

/* Responsive Design for Qualification Sections */
@media (max-width: 768px) {
    .qualification-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    
    .qualification-item {
        padding: 1.5rem;
    }
    
    .qualification-cta {
        padding: 2rem;
        margin-top: 3rem;
    }
    
    .qualification-cta h3 {
        font-size: 1.6rem;
    }
    
    .qualification-buttons {
        flex-direction: column;
        gap: 1rem;
    }
    
    .qualification-buttons .btn-primary,
    .qualification-buttons .btn-secondary {
        width: 100%;
        max-width: 300px;
    }
}


/* Pathways DPA Section Styling */
.pathways-section {
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    padding: 5rem 0;
    margin: 3rem 0;
}

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

.pathways-header {
    text-align: center;
    margin-bottom: 3rem;
}

.pathways-header h2 {
    font-size: 2.5rem;
    color: #1f2937;
    margin-bottom: 1rem;
    font-weight: 700;
}

.pathways-subtitle {
    font-size: 1.3rem;
    color: #f97316;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.pathways-description {
    text-align: center;
    margin-bottom: 3rem;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.pathways-description p {
    font-size: 1.2rem;
    color: #4b5563;
    line-height: 1.7;
}

.pathways-benefits h3 {
    text-align: center;
    font-size: 2rem;
    color: #1f2937;
    margin-bottom: 2rem;
    font-weight: 700;
}

.pathways-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 2rem;
    margin-bottom: 3rem;
}

.pathways-card {
    background: white;
    border-radius: 16px;
    padding: 2rem;
    text-align: center;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
    border: 2px solid #e5e7eb;
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
}

.pathways-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #f97316, #ea580c);
}

.pathways-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(249, 115, 22, 0.15);
    border-color: #f97316;
}

.pathways-icon {
    font-size: 2.5rem;
    margin-bottom: 1rem;
    padding-top: 0.5rem;
}

.pathways-card h4 {
    color: #1f2937;
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.pathways-card p {
    color: #4b5563;
    line-height: 1.6;
    font-size: 1rem;
}

.pathways-cta {
    text-align: center;
    margin-top: 3rem;
    padding: 3rem;
    background: linear-gradient(135deg, #1e3a8a 0%, #1e40af 100%);
    border-radius: 20px;
    color: white;
}

.pathways-cta h3 {
    font-size: 2rem;
    margin-bottom: 1rem;
    font-weight: 700;
}

.pathways-cta p {
    font-size: 1.1rem;
    margin-bottom: 2rem;
    opacity: 0.9;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.pathways-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
}

.pathways-buttons .btn-primary,
.pathways-buttons .btn-secondary {
    padding: 1rem 2rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: 8px;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    min-width: 200px;
    justify-content: center;
}

.pathways-buttons .btn-primary {
    background: linear-gradient(135deg, #f97316, #ea580c);
    color: white;
    border: 2px solid transparent;
}

.pathways-buttons .btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(249, 115, 22, 0.4);
}

.pathways-buttons .btn-secondary {
    background: white;
    color: #1e3a8a;
    border: 2px solid white;
}

.pathways-buttons .btn-secondary:hover {
    background: transparent;
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(255, 255, 255, 0.2);
}

/* Responsive Design for Pathways Section */
@media (max-width: 768px) {
    .pathways-grid {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    
    .pathways-card {
        padding: 1.5rem;
    }
    
    .pathways-cta {
        padding: 2rem;
        margin-top: 2rem;
    }
    
    .pathways-header h2 {
        font-size: 2rem;
    }
    
    .pathways-buttons {
        flex-direction: column;
        gap: 1rem;
    }
    
    .pathways-buttons .btn-primary,
    .pathways-buttons .btn-secondary {
        width: 100%;
        max-width: 300px;
    }
}



/* Compact Contact Section */
.contact {
    background: #f8fafc;
    padding: 3rem 0;
}

.contact-compact {
    text-align: center;
    max-width: 700px;
    margin: 0 auto;
}

.contact-compact h2 {
    font-size: 2.5rem;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 1rem;
}

.contact-subtitle {
    font-size: 1.2rem;
    color: #6b7280;
    margin-bottom: 2.5rem;
    line-height: 1.6;
}

.contact-options {
    margin-bottom: 2rem;
}

.contact-row {
    display: flex;
    justify-content: center;
    gap: 4rem;
    margin-bottom: 2rem;
}

.contact-option {
    text-align: center;
}

.contact-option h3 {
    font-size: 1.2rem;
    font-weight: 600;
    color: #1f2937;
    margin-bottom: 0.5rem;
}

.contact-apply {
    text-align: center;
}

.contact-apply h3 {
    font-size: 1.2rem;
    font-weight: 600;
    color: #1f2937;
    margin-bottom: 0.5rem;
}

.contact-link {
    color: #f97316;
    text-decoration: none;
    font-weight: 600;
    font-size: 1.1rem;
}

.contact-link:hover {
    color: #ea580c;
    text-decoration: underline;
}

.apply-btn {
    background: #f97316;
    color: white !important;
    padding: 0.75rem 2rem;
    border-radius: 8px;
    text-decoration: none !important;
    display: inline-block;
    transition: background-color 0.3s ease;
}

.apply-btn:hover {
    background: #ea580c;
    color: white !important;
    text-decoration: none !important;
}

.contact-footer {
    padding-top: 1.5rem;
    border-top: 1px solid #e5e7eb;
    margin-top: 1.5rem;
}

.contact-footer span {
    color: #6b7280;
    font-size: 0.95rem;
}

@media (max-width: 768px) {
    .contact-compact h2 {
        font-size: 2rem;
    }
    
    .contact-subtitle {
        font-size: 1.1rem;
    }
    
    .contact-row {
        flex-direction: column;
        gap: 1.5rem;
    }
    
    .contact {
        padding: 2rem 0;
    }
}


/* Professional Credentials Grid */
.credentials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 1.5rem;
    margin-top: 2rem;
}

.credential-card {
    background: white;
    padding: 1.5rem;
    border-radius: 12px;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
    border: 1px solid #e5e7eb;
    display: flex;
    align-items: center;
    gap: 1rem;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.credential-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.1);
}

.credential-icon {
    font-size: 2rem;
    flex-shrink: 0;
}

.credential-content h4 {
    font-size: 1.1rem;
    font-weight: 600;
    color: #1f2937;
    margin-bottom: 0.25rem;
}

.credential-content p {
    font-size: 0.9rem;
    color: #6b7280;
    margin: 0;
}

@media (max-width: 768px) {
    .credentials-grid {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
    
    .credential-card {
        padding: 1.25rem;
    }
}


/* Fix anchor link scrolling with fixed header */
html {
    scroll-behavior: smooth;
}

section[id] {
    scroll-margin-top: 120px;
}

/* Ensure proper spacing for anchor links */
#about {
    scroll-margin-top: 100px;
}

#contact {
    scroll-margin-top: 120px;
}

#loan-programs {
    scroll-margin-top: 120px;
}


/* Dynamic Contact Form Styles */
.dynamic-form-section {
    background: #f8fafc;
    padding: 2rem;
    border-radius: 8px;
    margin: 2rem 0;
    border: 1px solid #e5e7eb;
}

.dynamic-form-section h3 {
    color: #1f2937;
    margin-bottom: 1.5rem;
    font-size: 1.5rem;
    text-align: center;
}

.contact-form {
    max-width: 600px;
    margin: 0 auto;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-bottom: 1rem;
}

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

.form-group label {
    color: #374151;
    font-weight: 600;
    margin-bottom: 0.5rem;
    font-size: 0.9rem;
}

.form-group input,
.form-group select,
.form-group textarea {
    padding: 0.75rem;
    border: 1px solid #d1d5db;
    border-radius: 4px;
    font-size: 1rem;
    transition: border-color 0.3s ease;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: #f97316;
    box-shadow: 0 0 0 3px rgba(249, 115, 22, 0.1);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-submit-btn {
    background: linear-gradient(135deg, #f97316 0%, #ea580c 100%);
    color: white;
    padding: 0.875rem 2rem;
    border: none;
    border-radius: 4px;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    width: 100%;
    margin-top: 1rem;
}

.form-submit-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(249, 115, 22, 0.3);
}

.form-submit-btn:disabled {
    opacity: 0.6;
    cursor: not-allowed;
    transform: none;
}

.form-status {
    margin-top: 1rem;
    padding: 0.75rem;
    border-radius: 4px;
    text-align: center;
    font-weight: 600;
    display: none;
}

.form-status.success {
    background: #d1fae5;
    color: #065f46;
    border: 1px solid #a7f3d0;
    display: block;
}

.form-status.error {
    background: #fee2e2;
    color: #991b1b;
    border: 1px solid #fca5a5;
    display: block;
}

.form-status.loading {
    background: #dbeafe;
    color: #1e40af;
    border: 1px solid #93c5fd;
    display: block;
}

/* Responsive form design */
@media (max-width: 768px) {
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .dynamic-form-section {
        padding: 1.5rem;
    }
}


/* Form Status Messages */
.form-status {
    margin-top: 1rem;
    padding: 0.75rem 1rem;
    border-radius: 4px;
    font-weight: 500;
    display: none;
}

.form-status.success {
    background-color: #d1fae5;
    color: #065f46;
    border: 1px solid #a7f3d0;
}

.form-status.error {
    background-color: #fee2e2;
    color: #991b1b;
    border: 1px solid #fca5a5;
}

/* Form button loading state */
.form-submit-btn:disabled {
    opacity: 0.6;
    cursor: not-allowed;
}

.form-submit-btn:disabled:hover {
    background-color: #f97316;
    transform: none;
}

/* Dynamic Rates Section */
.rates-section {
    padding: 4rem 0;
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
}

.rates-section h2 {
    text-align: center;
    color: #1f2937;
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.rates-subtitle {
    text-align: center;
    color: #6b7280;
    margin-bottom: 3rem;
    font-size: 1.1rem;
}

.rates-container {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.rate-card {
    background: white;
    padding: 1.5rem;
    border-radius: 12px;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
    border: 1px solid #e5e7eb;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.rate-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.1);
}

.rate-card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1rem;
}

.rate-loan-type {
    font-weight: 700;
    color: #1f2937;
    font-size: 1.1rem;
}

.rate-value {
    font-size: 1.5rem;
    font-weight: 800;
    color: #f97316;
}

.rate-details {
    color: #6b7280;
    font-size: 0.9rem;
    line-height: 1.4;
}

.rate-change {
    font-size: 0.8rem;
    font-weight: 600;
    margin-top: 0.5rem;
}

.rate-change.positive {
    color: #dc2626;
}

.rate-change.negative {
    color: #16a34a;
}

.rate-change.neutral {
    color: #6b7280;
}

.loading-rates {
    text-align: center;
    color: #6b7280;
    font-style: italic;
    padding: 2rem;
    grid-column: 1 / -1;
}

.rates-disclaimer {
    text-align: center;
    color: #6b7280;
    font-style: italic;
    margin-top: 1rem;
}

.rates-last-updated {
    text-align: center;
    color: #9ca3af;
    font-size: 0.9rem;
    margin-top: 1rem;
}

/* Responsive Design */
@media (max-width: 768px) {
    .rates-section h2 {
        font-size: 2rem;
    }
    
    .rates-container {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
}


/* New About Section Styles */
.about {
    padding: 6rem 0;
    background: #ffffff;
}

.about h2 {
    text-align: center;
    color: #1f2937;
    font-size: 2.5rem;
    font-weight: 700;
    margin-bottom: 2rem;
}

.about p {
    text-align: center;
    color: #6b7280;
    font-size: 1.1rem;
    line-height: 1.6;
    max-width: 800px;
    margin: 0 auto 1.5rem auto;
}

.credentials-grid-new {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2rem;
    margin-top: 3rem;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.credential-card-new {
    background: #ffffff;
    padding: 2rem;
    border-radius: 12px;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
    border: 1px solid #e5e7eb;
    text-align: center;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.credential-card-new:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.1);
}

.credential-icon-new {
    font-size: 2.5rem;
    margin-bottom: 1rem;
    display: block;
}

.credential-card-new h4 {
    color: #1f2937;
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.credential-card-new p {
    color: #6b7280;
    font-size: 0.95rem;
    line-height: 1.4;
    margin: 0.25rem 0;
    text-align: center;
}

/* Responsive Design for About Section */
@media (max-width: 768px) {
    .about {
        padding: 4rem 0;
    }
    
    .about h2 {
        font-size: 2rem;
    }
    
    .credentials-grid-new {
        grid-template-columns: 1fr;
        gap: 1.5rem;
        margin-top: 2rem;
    }
    
    .credential-card-new {
        padding: 1.5rem;
    }
}


/* Modern Contact Section Styles */
.contact {
    background: #f8fafc;
    padding: 4rem 0;
    text-align: center;
}

.contact h2 {
    font-size: 2.5rem;
    font-weight: 700;
    color: #1f2937;
    margin-bottom: 1rem;
}

.contact-subtitle {
    font-size: 1.2rem;
    color: #6b7280;
    margin-bottom: 3rem;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.contact-options-modern {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    max-width: 900px;
    margin: 0 auto;
}

.contact-option-modern {
    background: white;
    padding: 2rem;
    border-radius: 12px;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.05);
    transition: all 0.3s ease;
    border: 1px solid #e5e7eb;
}

.contact-option-modern:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.1);
    border-color: #f97316;
}

.contact-icon {
    font-size: 2.5rem;
    margin-bottom: 1rem;
    display: block;
}

.contact-option-modern h3 {
    font-size: 1.3rem;
    font-weight: 600;
    color: #1f2937;
    margin-bottom: 0.5rem;
}

.contact-link-modern {
    color: #3b82f6;
    text-decoration: none;
    font-weight: 500;
    font-size: 1.1rem;
    transition: color 0.3s ease;
}

.contact-link-modern:hover {
    color: #f97316;
    text-decoration: underline;
}

@media (max-width: 768px) {
    .contact-options-modern {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
    
    .contact h2 {
        font-size: 2rem;
    }
    
    .contact-subtitle {
        font-size: 1.1rem;
    }
}


/* Header Border Line */
.header {
    border-bottom: 1px solid #e5e7eb;
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.05);
}


/* Better Section Spacing for Loan Pages */
section, 
.reviews-section,
.reviews-section-compact,
.qualification-overview,
.pathways-section,
.cta-section,
.programs-section,
.benefits-section,
.features-section {
    margin-bottom: 6rem !important;
}

/* Specific spacing adjustments for better visual hierarchy */
.reviews-section-compact {
    margin-bottom: 4rem !important;
    margin-top: 4rem !important;
}

.qualification-overview {
    margin-bottom: 5rem !important;
    margin-top: 3rem !important;
}

/* Add padding to main content areas */
main {
    padding-bottom: 4rem;
}

/* Ensure proper spacing after hero sections */
.loan-hero + section,
.loan-hero + .reviews-section,
.loan-hero + .qualification-overview {
    margin-top: 4rem !important;
}

/* Mobile adjustments for section spacing */
@media (max-width: 768px) {
    section, 
    .reviews-section,
    .reviews-section-compact,
    .qualification-overview,
    .pathways-section,
    .cta-section,
    .programs-section,
    .benefits-section,
    .features-section {
        margin-bottom: 4rem !important;
    }
    
    .reviews-section-compact {
        margin-bottom: 3rem !important;
        margin-top: 3rem !important;
    }
    
    .qualification-overview {
        margin-bottom: 3rem !important;
        margin-top: 2rem !important;
    }
}


/* Mobile-First Apply Now CTA */
.mobile-apply-cta {
    display: none;
    margin-top: 2rem;
    text-align: center;
}

.btn-mobile-apply {
    display: block;
    background: linear-gradient(135deg, #f97316, #ea580c);
    color: white;
    padding: 18px 32px;
    border-radius: 12px;
    text-decoration: none;
    font-weight: 700;
    font-size: 1.2rem;
    box-shadow: 0 4px 15px rgba(249, 115, 22, 0.3);
    transition: all 0.3s ease;
    border: none;
    width: 100%;
    max-width: 300px;
    margin: 0 auto;
}

.btn-mobile-apply:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(249, 115, 22, 0.4);
}

.mobile-apply-subtitle {
    color: #6b7280;
    font-size: 0.9rem;
    margin-top: 0.5rem;
    font-weight: 500;
}

/* Enhanced About Section Styles */
.about {
    background: #f8f9fa;
    padding: 6rem 0;
    position: relative;
}

.about-content {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 4rem;
}

.about-header {
    background: linear-gradient(135deg, #2c3e50 0%, #34495e 100%);
    color: white;
    padding: 4rem 3rem;
    border-radius: 16px;
    box-shadow: 0 12px 40px rgba(44, 62, 80, 0.15);
    text-align: left;
    width: 100%;
}

.about-header h2 {
    font-size: 2.8rem;
    font-weight: 700;
    color: white;
    margin-bottom: 2rem;
    line-height: 1.2;
    text-align: center;
}

.about-intro {
    color: #ecf0f1;
    line-height: 1.8;
    margin: 0;
    max-width: none;
}

.about-intro p {
    font-size: 1.1rem;
    margin-bottom: 1.5rem;
    color: #ecf0f1;
    line-height: 1.8;
}

.about-intro p:last-child {
    margin-bottom: 0;
}

.about-body {
    width: 100%;
}

.credentials-container {
    width: 100%;
}

/* Enhanced Credentials Grid - Desktop First */
.credentials-grid-new {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    margin-top: 0;
    width: 100%;
    max-width: 1000px;
    margin-left: auto;
    margin-right: auto;
}

.credential-card-new {
    background: #ffffff;
    padding: 1.8rem 1.2rem;
    border-radius: 20px;
    box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
    border: 1px solid #f3f4f6;
    text-align: center;
    transition: all 0.4s ease;
    position: relative;
    overflow: hidden;
    min-height: 280px;
    max-height: 280px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    aspect-ratio: 1;
}

.credential-card-new::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 5px;
    background: linear-gradient(90deg, #f97316, #ea580c);
    transform: scaleX(0);
    transition: transform 0.4s ease;
}

.credential-card-new::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(249, 115, 22, 0.02), rgba(234, 88, 12, 0.02));
    opacity: 0;
    transition: opacity 0.4s ease;
}

.credential-card-new:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.12);
    border-color: #f97316;
}

.credential-card-new:hover::before {
    transform: scaleX(1);
}

.credential-card-new:hover::after {
    opacity: 1;
}

.credential-icon-new {
    font-size: 3.5rem;
    margin-bottom: 1.5rem;
    display: block;
    line-height: 1;
    position: relative;
    z-index: 2;
}

.credential-card-new h4 {
    color: #1f2937;
    font-size: 1.4rem;
    font-weight: 700;
    margin-bottom: 0.8rem;
    line-height: 1.2;
    position: relative;
    z-index: 2;
}

.credential-card-new p {
    color: #6b7280;
    font-size: 0.95rem;
    line-height: 1.5;
    margin: 0.3rem 0;
    text-align: center;
    position: relative;
    z-index: 2;
}

.credential-card-new p:first-of-type {
    font-weight: 600;
    color: #374151;
    font-size: 1rem;
}

/* Responsive Design for Enhanced About Section */
@media (max-width: 1200px) {
    .credentials-grid-new {
        grid-template-columns: repeat(2, 1fr);
        gap: 2rem;
        max-width: 800px;
    }
    
    .about-header h2 {
        font-size: 2.4rem;
    }
    
    .about-intro p {
        font-size: 1.05rem;
    }
}

@media (max-width: 768px) {
    /* Show mobile Apply Now button */
    .mobile-apply-cta {
        display: block;
    }
    
    /* Hide desktop CTA buttons on mobile */
    .cta-buttons {
        display: none;
    }
    
    /* About section mobile styles */
    .about {
        padding: 3rem 0;
    }
}

/* Responsive Design for Enhanced About Section */
@media (max-width: 1200px) {
    .credentials-grid-new {
        grid-template-columns: repeat(2, 1fr);
        gap: 2rem;
        max-width: 600px;
    }
    
    .about-header h2 {
        font-size: 2.4rem;
    }
    
    .about-intro {
        font-size: 1.1rem;
        line-height: 1.7;
    }
}

@media (max-width: 768px) {
    .credentials-grid-new {
        grid-template-columns: 1fr;
        gap: 1.5rem;
        margin-top: 1.5rem;
        max-width: 400px;
    }
    
    .credential-card-new {
        padding: 1.8rem 1.5rem;
        min-height: 200px;
        max-height: 200px;
        aspect-ratio: 1;
    }
    
    .credential-icon-new {
        font-size: 2.8rem;
        margin-bottom: 1rem;
    }
    
    .credential-card-new h4 {
        font-size: 1.3rem;
    }
}

@media (max-width: 480px) {
    .about-header h2 {
        font-size: 2rem;
    }
    
    .about-intro {
        font-size: 1rem;
    }
    
    .credential-card-new {
        padding: 1.5rem 1rem;
        min-height: 200px;
        max-height: 200px;
        aspect-ratio: 1;
    }
    
    .btn-mobile-apply {
        font-size: 1.1rem;
        padding: 16px 28px;
    }
}

/* Desktop-only styles */
@media (min-width: 769px) {
    .mobile-apply-cta {
        display: none !important;
    }
    
    .cta-buttons {
        display: flex !important;
    }
}



/* Hide mobile elements on desktop */
.mobile-menu-toggle {
    display: none;
}

.mobile-nav-menu {
    display: none;
}

/* Enhanced Mobile Navigation and Flow Improvements */
@media (max-width: 768px) {
    /* Mobile Header Improvements */
    .header {
        position: sticky;
        top: 0;
        z-index: 1000;
        background: rgba(248, 249, 250, 0.95);
        backdrop-filter: blur(10px);
        border-bottom: 1px solid #e5e7eb;
        padding: 0;
    }
    
    .header-content {
        padding: 0.5rem 1rem;
        display: flex;
        justify-content: space-between;
        align-items: center;
        height: 60px;
    }
    
    .logo {
        height: 35px;
    }
    
    .contact-info {
        display: none;
    }
    
    /* Hide desktop navigation */
    .nav {
        display: none;
    }
    
    /* Mobile Menu Toggle Button */
    .mobile-menu-toggle {
        display: flex !important;
        flex-direction: column;
        justify-content: space-around;
        width: 30px;
        height: 30px;
        background: transparent;
        border: none;
        cursor: pointer;
        padding: 0;
        z-index: 1001;
    }
    
    .mobile-menu-toggle span {
        width: 25px;
        height: 3px;
        background: #1f2937;
        border-radius: 2px;
        transition: all 0.3s ease;
        transform-origin: center;
    }
    
    .mobile-menu-toggle.active span:nth-child(1) {
        transform: rotate(45deg) translate(6px, 6px);
    }
    
    .mobile-menu-toggle.active span:nth-child(2) {
        opacity: 0;
    }
    
    .mobile-menu-toggle.active span:nth-child(3) {
        transform: rotate(-45deg) translate(6px, -6px);
    }
    
    /* Mobile Navigation Menu */
    .mobile-nav-menu {
        display: block !important;
        position: fixed;
        top: 60px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 60px);
        background: white;
        transition: left 0.3s ease;
        box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
        z-index: 999;
        overflow-y: auto;
    }
    
    .mobile-nav-menu.active {
        left: 0;
    }
    
    .mobile-nav-list {
        list-style: none;
        padding: 2rem 1rem;
        margin: 0;
    }
    
    .mobile-nav-list li {
        margin: 0.5rem 0;
    }
    
    .mobile-nav-list .nav-link {
        display: block;
        padding: 1rem;
        font-size: 1.1rem;
        font-weight: 600;
        color: #1f2937;
        text-decoration: none;
        border-radius: 8px;
        transition: all 0.3s ease;
    }
    
    .mobile-nav-list .nav-link:hover,
    .mobile-nav-list .nav-link.active {
        background: linear-gradient(135deg, #f97316, #ea580c);
        color: white;
        transform: translateX(5px);
    }
    
    /* Mobile Dropdown Styling */
    .mobile-dropdown {
        margin-top: 0.5rem;
    }
    
    .mobile-dropdown a {
        display: block;
        padding: 0.75rem 1.5rem;
        font-size: 0.95rem;
        color: #6b7280;
        text-decoration: none;
        border-radius: 6px;
        margin: 0.25rem 0;
        transition: all 0.3s ease;
    }
    
    .mobile-dropdown a:hover {
        background: #f3f4f6;
        color: #f97316;
        transform: translateX(5px);
    }
    
    /* Mobile Hero Section Improvements */
    .hero {
        padding: 1rem 0 2rem 0;
        min-height: auto;
    }
    
    .hero-content {
        flex-direction: column;
        text-align: center;
        gap: 1.5rem;
    }
    
    .hero-text {
        order: 2;
    }
    
    .hero-image {
        order: 1;
        max-width: 150px;
        margin: 0 auto;
    }
    
    .hero h1 {
        font-size: 1.75rem;
        line-height: 1.2;
        margin-bottom: 0.75rem;
    }
    
    .hero-subtitle {
        font-size: 1rem;
        margin-bottom: 1rem;
    }
    
    .hero-description {
        font-size: 0.95rem;
        margin-bottom: 1.5rem;
        line-height: 1.5;
    }
    
    /* Mobile CTA Buttons - Make them prominent */
    .cta-buttons {
        flex-direction: column;
        gap: 0.75rem;
        align-items: center;
        margin-top: 1rem;
    }
    
    .btn-primary, .btn-secondary {
        width: 100%;
        max-width: 280px;
        padding: 0.875rem 1.5rem;
        font-size: 1rem;
        font-weight: 700;
        text-align: center;
        border-radius: 8px;
        transition: all 0.3s ease;
    }
    
    .btn-primary {
        background: linear-gradient(135deg, #f97316, #ea580c);
        color: white;
        border: none;
        box-shadow: 0 4px 15px rgba(249, 115, 22, 0.3);
    }
    
    .btn-primary:hover {
        transform: translateY(-2px);
        box-shadow: 0 6px 20px rgba(249, 115, 22, 0.4);
    }
    
    .btn-secondary {
        background: white;
        color: #f97316;
        border: 2px solid #f97316;
    }
    
    .btn-secondary:hover {
        background: #f97316;
        color: white;
        transform: translateY(-2px);
    }
    
    /* Mobile Stats Section */
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
        margin-top: 2rem;
    }
    
    .stat-item {
        padding: 1.5rem 1rem;
        text-align: center;
    }
    
    .stat-number {
        font-size: 2rem;
        margin-bottom: 0.5rem;
    }
    
    .stat-label {
        font-size: 0.9rem;
    }
    
    /* Mobile About Section Flow */
    .about-content {
        gap: 2rem;
    }
    
    .about-header {
        padding: 2rem 1.5rem;
        text-align: center;
    }
    
    .about-header h2 {
        font-size: 2rem;
        margin-bottom: 1.5rem;
    }
    
    .about-intro p {
        font-size: 1rem;
        line-height: 1.6;
        margin-bottom: 1rem;
    }
    
    /* Mobile Contact Section */
    .contact {
        padding: 3rem 0;
    }
    
    .contact-options-modern {
        grid-template-columns: 1fr;
        gap: 1.5rem;
        margin-top: 2rem;
    }
    
    .contact-option-modern {
        padding: 2rem 1.5rem;
        text-align: center;
    }
    
    /* Mobile Sticky CTA */
    .mobile-sticky-cta {
        position: fixed;
        bottom: 0;
        left: 0;
        right: 0;
        background: linear-gradient(135deg, #f97316, #ea580c);
        padding: 1rem;
        z-index: 999;
        box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.1);
        display: block;
    }
    
    .mobile-sticky-cta a {
        display: block;
        color: white;
        text-decoration: none;
        font-weight: 700;
        font-size: 1.1rem;
        text-align: center;
        padding: 0.75rem;
        border-radius: 8px;
        background: rgba(255, 255, 255, 0.1);
        transition: all 0.3s ease;
    }
    
    .mobile-sticky-cta a:hover {
        background: rgba(255, 255, 255, 0.2);
        transform: translateY(-2px);
    }
    
    /* Mobile Page Spacing */
    body {
        padding-bottom: 80px; /* Space for sticky CTA */
    }
    
    /* Mobile Form Improvements */
    .form-group {
        margin-bottom: 1.5rem;
    }
    
    .form-control {
        padding: 1rem;
        font-size: 1rem;
        border-radius: 8px;
    }
    
    /* Mobile Typography */
    h1 { font-size: 2rem; line-height: 1.2; }
    h2 { font-size: 1.75rem; line-height: 1.3; }
    h3 { font-size: 1.5rem; line-height: 1.3; }
    h4 { font-size: 1.25rem; line-height: 1.4; }
    
    p, li {
        font-size: 1rem;
        line-height: 1.6;
    }
    
    /* Mobile Card Layouts */
    .program-card, .city-card, .loan-card {
        margin-bottom: 1.5rem;
        padding: 1.5rem;
        border-radius: 12px;
    }
    
    /* Mobile Dropdown Improvements */
    .dropdown-content {
        position: static;
        display: none;
        background: #f8f9fa;
        border-radius: 8px;
        margin-top: 0.5rem;
        padding: 0.5rem;
    }
    
    .dropdown:hover .dropdown-content,
    .dropdown-content:hover {
        display: block;
        opacity: 1;
        visibility: visible;
        transform: translateY(0);
    }
    
    .dropdown-content a {
        padding: 0.75rem 1rem;
        margin: 0.25rem 0;
        border-radius: 6px;
        font-size: 0.95rem;
    }
}

/* Mobile-First Responsive Images */
@media (max-width: 768px) {
    img {
        max-width: 100%;
        height: auto;
    }
    
    .hero-image img,
    .state-hero-image img,
    .about-image img {
        border-radius: 12px;
        box-shadow: 0 8px 25px rgba(0, 0, 0, 0.1);
    }
}

/* Mobile Touch Improvements */
@media (max-width: 768px) {
    button, .btn, .nav-link, .contact-link-modern {
        min-height: 44px;
        min-width: 44px;
        touch-action: manipulation;
    }
    
    .btn:active, .nav-link:active {
        transform: scale(0.98);
    }
}


/* About Page Styles */
.about-hero {
    background: linear-gradient(135deg, #2c3e50 0%, #34495e 100%);
    color: white;
    padding: 4rem 0;
    text-align: center;
}

.about-hero h1 {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.about-hero-subtitle {
    font-size: 1.2rem;
    opacity: 0.9;
    max-width: 600px;
    margin: 0 auto;
}

.about-content-section {
    padding: 4rem 0;
    background: white;
}

/* Contact Page Styles */
.contact-hero {
    background: linear-gradient(135deg, #f97316 0%, #ea580c 100%);
    color: white;
    padding: 4rem 0;
    text-align: center;
}

.contact-hero h1 {
    font-size: 3rem;
    font-weight: 700;
    margin-bottom: 1rem;
}

.contact-hero-subtitle {
    font-size: 1.2rem;
    opacity: 0.9;
    max-width: 600px;
    margin: 0 auto;
}

.contact-main {
    padding: 4rem 0;
    background: white;
}

.contact-intro {
    text-align: center;
    margin-bottom: 3rem;
}

.contact-intro h2 {
    font-size: 2.5rem;
    color: #1f2937;
    margin-bottom: 1rem;
}

.contact-intro p {
    font-size: 1.1rem;
    color: #6b7280;
    max-width: 800px;
    margin: 0 auto;
}

.contact-options-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.contact-option-card {
    background: white;
    padding: 2.5rem;
    border-radius: 15px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.1);
    text-align: center;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.contact-option-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 35px rgba(0,0,0,0.15);
}

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

.contact-option-card h3 {
    font-size: 1.5rem;
    color: #1f2937;
    margin-bottom: 1rem;
}

.contact-option-card p {
    color: #6b7280;
    margin-bottom: 1.5rem;
}

.contact-info-section {
    padding: 4rem 0;
    background: #f8fafc;
}

.contact-info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.contact-info-card {
    background: white;
    padding: 2rem;
    border-radius: 10px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.08);
}

.contact-info-card h3 {
    color: #1f2937;
    margin-bottom: 1rem;
    font-size: 1.3rem;
}

.info-item {
    margin-bottom: 0.5rem;
    color: #6b7280;
}

.service-areas-list, .loan-programs-list {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.service-areas-list a, .loan-programs-list a {
    color: #f97316;
    text-decoration: none;
    transition: color 0.3s ease;
}

.service-areas-list a:hover, .loan-programs-list a:hover {
    color: #ea580c;
}

.contact-cta {
    padding: 4rem 0;
    background: linear-gradient(135deg, #1f2937 0%, #374151 100%);
    color: white;
    text-align: center;
}

.contact-cta h2 {
    font-size: 2.5rem;
    margin-bottom: 2rem;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 3rem;
}

.benefit-item {
    text-align: center;
}

.benefit-icon {
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.benefit-item h4 {
    font-size: 1.2rem;
    margin-bottom: 0.5rem;
}

.benefit-item p {
    color: #d1d5db;
    font-size: 0.95rem;
}

.contact-final-cta p {
    font-size: 1.2rem;
    margin-bottom: 1.5rem;
}

.btn-large {
    padding: 1rem 2rem;
    font-size: 1.1rem;
}

/* Mobile Responsive */
@media (max-width: 768px) {
    .about-hero h1, .contact-hero h1 {
        font-size: 2rem;
    }
    
    .contact-options-grid {
        grid-template-columns: 1fr;
    }
    
    .contact-option-card {
        padding: 2rem;
    }
    
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }
}

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


/* Mobile Hero Optimization for Apply Now Button Visibility */
@media (max-width: 768px) {
    .hero, .state-hero {
        padding: 1.5rem 0 !important;
    }
    
    .hero-content h1 {
        font-size: 2rem;
        margin-bottom: 1rem;
    }
    
    .hero-content .subtitle {
        font-size: 1rem;
        margin-bottom: 1rem;
    }
    
    .hero-content p {
        font-size: 0.95rem;
        margin-bottom: 1.5rem;
    }
    
    .cta-buttons {
        margin-top: 1rem;
    }
    
    .btn {
        padding: 0.8rem 1.5rem;
        font-size: 0.95rem;
    }
}