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

body {
  font-family: 'Poppins', sans-serif;
  color: #00171F; /* Dark Text */
  background-color: #F7F1E1; /* Cream Background */
  padding: 40px;
}

/* Navbar */
/* Navbar Container */
.navbar {
  background-color: #0A2239;
  padding: 8px 0; /* smaller top/bottom padding */
  box-shadow: 0 2px 6px rgba(0,0,0,0.08);
  position: sticky;
  top: 0;
  z-index: 1000;
}

/* Flex layout for logo and nav */
.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 20px;
  min-height: 60px; /* reduce height */
}

/* Logo adjustments */
.logo-wrapper {
  display: flex;
  align-items: center;
  gap: 12px;
}

.logo-final {
  height: 50px; /* smaller logo */
  width: auto;
}

.logo-text {
  font-family: 'Playfair Display', serif;  /* Elegant, unique serif font */
  font-size: 1.8rem;                       /* Larger size */
  font-weight: 700;                       /* Bold */
  color: #ffffff;                         /* Crisp white for contrast */
  letter-spacing: 1px;                    /* Adds spacing for premium feel */
  text-shadow: 1px 1px 2px rgba(0,0,0,0.2); /* Soft glow effect */
  margin-left: 10px;
  line-height: 1.2;
}
.text-uppercase {
  text-transform: uppercase;
}

.tracking-wide {
  letter-spacing: 2px;
}


/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
  font-size: 0.95rem;
}

.nav-links a {
  color: #F7F1E1;
  font-weight: 500;
  text-decoration: none;
}

.nav-links a:hover {
  color: #00A8E8;
}

/* Phone */
.phone {
  font-size: 0.9rem;
  color: #007EA7;
  margin-left: 10px;
}

/* Button */
.btn {
  padding: 8px 16px;
  font-size: 0.9rem;
  background-color: #2F6FED;
  border-radius: 6px;
  color: #fff;
  font-weight: 600;
  margin-left: 16px;
}

.btn:hover {
  background-color: #007EA7;
}


/* Hero Section */
.hero {
  background: url('https://i.ibb.co/dRjB1cS/Chat-GPT-Image-Jun-4-2025-10-02-23-PM.png') no-repeat center center/cover;
  height: 90vh;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.hero-overlay {
  background: rgba(0, 0, 0, 0.5);
  width: 100%;
  height: 100%;
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-content {
  text-align: center;
  color: #F7F1E1;
}

.hero-content h1 {
  font-size: 3rem;
  font-weight: 700;
  margin-bottom: 20px;
}

.hero-content p {
  font-size: 1.3rem;
  margin-bottom: 30px;
}

.hero-btn {
  background: #2F6FED;
  color: white;
  padding: 14px 28px;
  font-weight: bold;
  border-radius: 8px;
  text-decoration: none;
  font-size: 1rem;
  transition: background 0.3s ease;
}

.hero-btn:hover {
  background: #007EA7;
}

/* Products Section */
.products {
  background: #ffffff;
  padding: 80px 20px;
  color: #00171F;
}

/* Product Cards Container */
.products-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 30px;
  padding: 40px 0;
}

/* Each Product Card */
.product-card {
  background-color: #0A2239;
  color: white;
  width: 260px;
  min-height: 450px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 8px 16px rgba(0,0,0,0.1);
  text-align: center;
}

/* Image */
.product-card img {
  width: 100%;
  height: 180px;
  object-fit: cover;
}

/* Card Content */
.card-content {
  padding: 20px;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
  justify-content: space-between;
}

/* Heading */
.card-content h3 {
  margin-bottom: 10px;
  font-size: 1.1rem;
  font-weight: 600;
}

/* Description */
.card-content p {
  font-size: 0.9rem;
  line-height: 1.5;
  margin-bottom: 20px;
}

/* Button */
.card-btn {
  background-color: #2F6FED;
  color: white;
  padding: 10px 16px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: bold;
  transition: background 0.3s ease;
}

.card-btn:hover {
  background-color: #007EA7;
}


/* Footer */
.footer {
  background-color: #0A2239;
  color: #ffffff;
  padding: 30px 20px;
  font-size: 0.95rem;
}

.footer a {
  color: #2F6FED;
  text-decoration: none;
  transition: color 0.3s ease;
}

.footer a:hover {
  color: #ffffff;
}

.footer-container {
  max-width: 1200px;
  margin: auto;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
}

.footer-right p,
.footer-left p {
  margin: 5px 0;
  line-height: 1.5;
}

.footer-social {
  text-align: left;
}

.footer-social p {
  font-weight: 600;
  margin-bottom: 8px;
  color: #ffffff;
}

.social-icons {
  display: flex;
  gap: 15px;
}

.social-icons a {
  color: #ffffff;
  font-size: 1.3rem;
  transition: color 0.3s ease;
}

.social-icons a:hover {
  color: #00a8e8;
}


/* Responsive */
@media (max-width: 768px) {
  .nav-container {
    flex-direction: column;
    align-items: flex-start;
  }
  .nav-links {
    flex-direction: column;
    align-items: flex-start;
    gap: 15px;
    margin-top: 10px;
  }
  .hero-content h1 {
    font-size: 2.2rem;
  }
  .hero-content p {
    font-size: 1.1rem;
  }
}

/* Modal Styling */
.modal {
  display: none;
  position: fixed;
  z-index: 9999;
  left: 0;
  top: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(0, 0, 0, 0.6);
}

.modal-content {
  background-color: #ffffff;
  color: #003459;
  margin: 10% auto;
  padding: 30px;
  max-width: 600px;
  border-radius: 10px;
  position: relative;
}

.modal-content h2 {
  color: #0A2239;
  margin-bottom: 15px;
}

.modal-content p {
  line-height: 1.7;
}

.close {
  position: absolute;
  top: 12px;
  right: 20px;
  font-size: 26px;
  font-weight: bold;
  color: #007EA7;
  cursor: pointer;
}

.form-section {
  background: #ffffff;
  padding: 60px 20px;
  color: #00171F;
}

.form-heading {
  text-align: center;
  margin-bottom: 30px;
  font-size: 2rem;
  color: #0A2239;
}

form#multiStepForm {
  max-width: 700px;
  margin: auto;
  background: #F7F1E1;
  padding: 30px;
  border-radius: 10px;
  box-shadow: 0 0 15px rgba(0, 0, 0, 0.05);
}

input, select, textarea {
  width: 100%;
  padding: 12px;
  margin-bottom: 18px;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-size: 1rem;
}

button {
  padding: 12px 20px;
  font-size: 1rem;
  border: none;
  border-radius: 6px;
  cursor: pointer;
}

.next-btn, .prev-btn {
  background-color: #007EA7;
  color: white;
  margin: 10px 5px 0 0;
  transition: background 0.3s ease;
}

.next-btn:hover, .prev-btn:hover {
  background-color: #2F6FED;
}

.form-submit-btn {
  background-color: #0A2239;
  color: #ffffff;
  font-weight: bold;
  margin-top: 20px;
}

/* Form Styling */
.form-section {
  max-width: 800px;
  margin: 60px auto;
  background-color: #F7F1E1;
  padding: 40px;
  border-radius: 12px;
  box-shadow: 0 0 20px rgba(0, 0, 0, 0.06);
}

.form-title {
  text-align: center;
  font-size: 2rem;
  color: #0A2239;
  margin-bottom: 30px;
}

form input,
form select,
form textarea {
  width: 100%;
  padding: 14px;
  margin-bottom: 18px;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-size: 1rem;
}

form textarea {
  resize: vertical;
  min-height: 120px;
}

form button {
  padding: 12px 24px;
  font-size: 1rem;
  border: none;
  border-radius: 6px;
  cursor: pointer;
}

.next-btn,
.prev-btn {
  background-color: #007EA7;
  color: white;
  margin-right: 10px;
}

.next-btn:hover,
.prev-btn:hover {
  background-color: #2F6FED;
}

.form-submit-btn {
  background-color: #0A2239;
  color: #fff;
  font-weight: bold;
}

.form-step {
  display: none;
}

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

.checkbox-group {
  display: flex;
  align-items: center;
  font-size: 0.95rem;
  margin: 12px 0;
}

.checkbox-group input[type="checkbox"] {
  margin-right: 8px;
}

label {
  font-weight: 500;
  margin-bottom: 6px;
  display: block;
}

.separated-nav a {
  padding: 0 20px;
  border-left: 1px solid rgba(255, 255, 255, 0.2);
  color: #F7F1E1;
  text-decoration: none;
  font-weight: 600;
  transition: color 0.3s ease;
}

.separated-nav a:first-child {
  border-left: none;
}

.separated-nav a:hover {
  color: #2F6FED;
}

.about-section {
  background: #f7f1e1;
  color: #0a2239;
  padding: 60px 20px;
}

.about-section .container {
  max-width: 900px;
  margin: auto;
}

.about-section h1 {
  font-size: 2.8rem;
  margin-bottom: 20px;
  text-align: center;
}

.about-section .tagline {
  font-size: 1.2rem;
  font-weight: 500;
  text-align: center;
  color: #007ea7;
  margin-bottom: 40px;
}

.about-section p {
  line-height: 1.8;
  margin-bottom: 20px;
  font-size: 1.05rem;
}

.hero-slider {
  height: 60vh; /* or try 50vh or 70vh */
  overflow: hidden;
  position: relative;
}

.slide {
  height: 100%;
  background-size: cover;
  background-position: center;
}

.slide.active {
  opacity: 1;
  z-index: 1;
}

.hero-overlay {
  height: 100%;
  background-color: rgba(0, 0, 0, 0.5); /* keep the dark tint */
  display: flex;
  justify-content: center;
  align-items: center;
  text-align: center;
}

.hero-content {
  max-width: 700px;
  color: white;
  padding: 20px;
}




.hero-slider .slide {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  opacity: 0;
  transition: opacity 1s ease-in-out;
  z-index: 0;
}

.hero-slider .slide.active {
  opacity: 1;
  z-index: 1;
}

.hero-slider {
  margin-bottom: 0;
}


/* Optional: fix the footer not overlapping */
body, html {
  margin: 0;
  padding: 0;
  height: 100%;
}
.loan-products-section {
    background-color: #0A2239;
  margin-top: 0;
  padding-top: 0;
}


.section-heading {
  text-align: center;
  font-size: 2.4rem;
  margin-bottom: 40px;
  color: #ffffff;
}

.loan-products-list {
  list-style: none;
  padding: 0;
  max-width: 600px;
  margin: 0 auto;
}

.loan-products-list li {
  font-size: 1.1rem;
  background: rgba(255, 255, 255, 0.05);
  margin-bottom: 12px;
  padding: 16px 24px;
  border-left: 4px solid #2F6FED;
  border-radius: 6px;
  transition: background 0.3s ease;
}

.loan-products-list li:hover {
  background: rgba(255, 255, 255, 0.1);
  cursor: pointer;
}
html {
  scroll-behavior: smooth;
}

.form-subtitle {
  text-align: center;
  color: #003459;
  font-size: 1.1rem;
  margin-bottom: 30px;
}

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

.form-grid textarea {
  grid-column: span 2;
  resize: vertical;
}

.contact-details {
  text-align: center;
  margin-top: 40px;
  font-size: 1rem;
  color: #0A2239;
}

.contact-details p {
  margin: 8px 0;
}

html {
  scroll-behavior: smooth;
}
.phone:hover {
  color: #00A8E8; /* or any color you like */
  text-decoration: underline;
}


/* Bridge Loan Section */
.bridge-loan-section {
  background-color: #fdfcf5;
  padding: 60px 20px;
  color: #00171f;
}

.bridge-loan-section .container {
  max-width: 1100px;
  margin: 0 auto;
}

.page-title {
  font-size: 2.4rem;
  font-weight: 700;
  margin-bottom: 20px;
  color: #00171f;
}

.intro-text {
  font-size: 1.1rem;
  margin-bottom: 30px;
  line-height: 1.6;
}

.loan-highlights {
  padding-left: 20px;
  margin-bottom: 40px;
  line-height: 1.7;
}

/* Tabs */
.tabs {
  display: flex;
  gap: 10px;
  margin-bottom: 30px;
}

.tab-button {
  padding: 10px 20px;
  background-color: #003459;
  color: white;
  border: none;
  cursor: pointer;
  border-radius: 6px;
  font-weight: 600;
  transition: background-color 0.3s ease;
}

.tab-button.active {
  background-color: #00a8e8;
  color: #00171f;
}

/* Tab Content */
.tab-content {
  display: none;
  padding: 30px 20px;
  background-color: #ffffff;
  border: 1px solid #ccc;
  border-radius: 12px;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
}

.tab-content.active {
  display: block;
}

.tab-content h3 {
  margin-top: 0;
  color: #003459;
  font-size: 1.3rem;
  margin-bottom: 12px;
}
.tab-content ul {
  padding-left: 1.5rem;     /* push bullets slightly inward */
  margin-top: 10px;
  margin-bottom: 20px;
  list-style-position: inside; /* ensures bullets align nicely */
}

.tab-content ul li {
  margin-bottom: 10px;
  font-size: 1rem;
  line-height: 1.6;
  padding-left: 0.5rem;      /* improves left alignment */
}


/* Program Table */
.program-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 20px;
}

.program-table th,
.program-table td {
  padding: 14px;
  border: 1px solid #ddd;
  text-align: left;
  font-size: 0.95rem;
  background-color: #fefefe;
}

.program-table th {
  background-color: #eaf4fb;
  font-weight: 600;
}
@media (max-width: 768px) {
  .tab-button {
    flex: 1;
    font-size: 0.9rem;
    padding: 8px 12px;
  }

  .tabs {
    flex-wrap: wrap;
    gap: 8px;
  }

  .tab-content {
    padding: 20px 15px;
  }
}

/* SECTION BACKGROUND & LAYOUT */
.fix-flip-section {
  background-color: #fdfcf5;
  padding: 60px 20px;
  color: #00171f;
}

.fix-flip-section .container {
  max-width: 1100px;
  margin: 0 auto;
}

.fix-flip-section .page-title {
  font-size: 2.4rem;
  font-weight: 700;
  margin-bottom: 20px;
}

.fix-flip-section .intro-text {
  font-size: 1.1rem;
  margin-bottom: 30px;
  line-height: 1.6;
}

.fix-flip-section .loan-highlights {
  padding-left: 20px;
  margin-bottom: 40px;
  line-height: 1.7;
}

/* TABS */
.fix-flip-section .tabs {
  display: flex;
  gap: 10px;
  margin-bottom: 30px;
}

.fix-flip-section .tab-button {
  padding: 10px 20px;
  background-color: #003459;
  color: white;
  border: none;
  cursor: pointer;
  border-radius: 6px;
  font-weight: 600;
  transition: background-color 0.3s ease;
}

.fix-flip-section .tab-button.active {
  background-color: #00a8e8;
  color: #00171f;
}

/* TAB CONTENT BLOCKS */
.fix-flip-section .tab-content {
  display: none;
  padding: 30px 20px;
  background-color: #ffffff;
  border: 1px solid #ccc;
  border-radius: 12px;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
}

.fix-flip-section .tab-content.active {
  display: block;
}

.fix-flip-section .tab-content h3 {
  margin-top: 0;
  color: #003459;
  font-size: 1.3rem;
  margin-bottom: 12px;
}

.fix-flip-section .tab-content ul {
  padding-left: 1.5rem;
  margin-top: 10px;
  margin-bottom: 20px;
  list-style-position: inside;
}

.fix-flip-section .tab-content ul li {
  margin-bottom: 10px;
  font-size: 1rem;
  line-height: 1.6;
}

/* PROGRAM TERMS TABLE */
.fix-flip-section .program-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 20px;
}

.fix-flip-section .program-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 20px;
}

.fix-flip-section .program-table th,
.fix-flip-section .program-table td {
  padding: 14px;
  border: 1px solid #ddd;
  text-align: left;
  font-size: 0.95rem;
  background-color: #fefefe;
}

.fix-flip-section .program-table th {
  background-color: #eaf4fb;
  font-weight: 600;
}

/* DSCR LOAN SECTION */
.dscr-loan-section {
  background-color: #fdfcf5;
  padding: 60px 20px;
  color: #00171f;
}

.dscr-loan-section .container {
  max-width: 1100px;
  margin: 0 auto;
}

.dscr-loan-section .page-title {
  font-size: 2.4rem;
  font-weight: 700;
  margin-bottom: 20px;
}

.dscr-loan-section .intro-text {
  font-size: 1.1rem;
  margin-bottom: 30px;
  line-height: 1.6;
}

.dscr-loan-section .loan-highlights {
  padding-left: 20px;
  margin-bottom: 40px;
  line-height: 1.7;
}

/* TABS */
.dscr-loan-section .tabs {
  display: flex;
  gap: 10px;
  margin-bottom: 30px;
}

.dscr-loan-section .tab-button {
  padding: 10px 20px;
  background-color: #003459;
  color: white;
  border: none;
  cursor: pointer;
  border-radius: 6px;
  font-weight: 600;
  transition: background-color 0.3s ease;
}

.dscr-loan-section .tab-button.active {
  background-color: #00a8e8;
  color: #00171f;
}

/* TAB CONTENT */
.dscr-loan-section .tab-content {
  display: none;
  padding: 30px 20px;
  background-color: #ffffff;
  border: 1px solid #ccc;
  border-radius: 12px;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
  margin-bottom: 40px;
}

.dscr-loan-section .tab-content.active {
  display: block;
}

.dscr-loan-section .tab-content h3 {
  margin-top: 0;
  color: #003459;
  font-size: 1.3rem;
  margin-bottom: 12px;
}

.dscr-loan-section .tab-content ul {
  padding-left: 1.5rem;
  margin-top: 10px;
  margin-bottom: 20px;
  list-style-position: inside;
}

.dscr-loan-section .tab-content ul li {
  margin-bottom: 10px;
  font-size: 1rem;
  line-height: 1.6;
}

/* PROGRAM TERMS TABLE */
.dscr-loan-section .program-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 20px;
}

.dscr-loan-section .program-table th,
.dscr-loan-section .program-table td {
  padding: 14px;
  border: 1px solid #ddd;
  text-align: left;
  font-size: 0.95rem;
  background-color: #fefefe;
}

.dscr-loan-section .program-table th {
  background-color: #eaf4fb;
  font-weight: 600;
}
@media (max-width: 768px) {
  .dscr-loan-section .tabs {
    flex-wrap: wrap;
    gap: 8px;
  }

  .dscr-loan-section .tab-button {
    flex: 1;
    font-size: 0.95rem;
    padding: 10px;
  }

  .dscr-loan-section .tab-content {
    padding: 20px 15px;
  }
}
.groundup-loan-section {
  background-color: #fdfcf5;
  padding: 60px 20px;
  color: #00171f;
}

.groundup-loan-section .container {
  max-width: 1100px;
  margin: 0 auto;
}

.groundup-loan-section .page-title {
  font-size: 2.4rem;
  font-weight: 700;
  margin-bottom: 20px;
}

.groundup-loan-section .intro-text {
  font-size: 1.1rem;
  margin-bottom: 30px;
  line-height: 1.6;
}

.groundup-loan-section .loan-highlights {
  padding-left: 20px;
  margin-bottom: 40px;
  line-height: 1.7;
}

/* Tabs */
.groundup-loan-section .tabs {
  display: flex;
  gap: 10px;
  margin-bottom: 30px;
}

.groundup-loan-section .tab-button {
  padding: 10px 20px;
  background-color: #003459;
  color: white;
  border: none;
  cursor: pointer;
  border-radius: 6px;
  font-weight: 600;
  transition: background-color 0.3s ease;
}

.groundup-loan-section .tab-button.active {
  background-color: #00a8e8;
  color: #00171f;
}

/* Tab Content */
.groundup-loan-section .tab-content {
  display: none;
  padding: 30px 20px;
  background-color: #ffffff;
  border: 1px solid #ccc;
  border-radius: 12px;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
  margin-bottom: 40px;
}

.groundup-loan-section .tab-content.active {
  display: block;
}

.groundup-loan-section .tab-content h3 {
  margin-top: 0;
  color: #003459;
  font-size: 1.3rem;
  margin-bottom: 12px;
}

.groundup-loan-section .tab-content ul {
  padding-left: 1.5rem;
  margin-top: 10px;
  margin-bottom: 20px;
  list-style-position: inside;
}

.groundup-loan-section .tab-content ul li {
  margin-bottom: 10px;
  font-size: 1rem;
  line-height: 1.6;
}

/* Program Terms Table */
.groundup-loan-section .program-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 20px;
}

.groundup-loan-section .program-table th,
.groundup-loan-section .program-table td {
  padding: 14px;
  border: 1px solid #ddd;
  text-align: left;
  font-size: 0.95rem;
  background-color: #fefefe;
}

.groundup-loan-section .program-table th {
  background-color: #eaf4fb;
  font-weight: 600;
}
.multifamily-loan-section {
  background-color: #fdfcf5;
  padding: 60px 20px;
  color: #00171f;
}

.multifamily-loan-section .container {
  max-width: 1100px;
  margin: 0 auto;
}

.multifamily-loan-section .page-title {
  font-size: 2.4rem;
  font-weight: 700;
  margin-bottom: 20px;
}

.multifamily-loan-section .intro-text {
  font-size: 1.1rem;
  margin-bottom: 30px;
  line-height: 1.6;
}

.multifamily-loan-section .loan-highlights {
  padding-left: 20px;
  margin-bottom: 40px;
  line-height: 1.7;
}

.multifamily-loan-section .tabs {
  display: flex;
  gap: 10px;
  margin-bottom: 30px;
}

.multifamily-loan-section .tab-button {
  padding: 10px 20px;
  background-color: #003459;
  color: white;
  border: none;
  cursor: pointer;
  border-radius: 6px;
  font-weight: 600;
  transition: background-color 0.3s ease;
}

.multifamily-loan-section .tab-button.active {
  background-color: #00a8e8;
  color: #00171f;
}

.multifamily-loan-section .tab-content {
  display: none;
  padding: 30px 20px;
  background-color: #ffffff;
  border: 1px solid #ccc;
  border-radius: 12px;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.05);
  margin-bottom: 40px;
}

.multifamily-loan-section .tab-content.active {
  display: block;
}

.multifamily-loan-section .tab-content h3 {
  margin-top: 0;
  color: #003459;
  font-size: 1.3rem;
  margin-bottom: 12px;
}

.multifamily-loan-section .tab-content ul {
  padding-left: 1.5rem;
  margin-top: 10px;
  margin-bottom: 20px;
  list-style-position: inside;
}

.multifamily-loan-section .tab-content ul li {
  margin-bottom: 10px;
  font-size: 1rem;
  line-height: 1.6;
}

.multifamily-loan-section .program-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 20px;
}

.multifamily-loan-section .program-table th,
.multifamily-loan-section .program-table td {
  padding: 14px;
  border: 1px solid #ddd;
  text-align: left;
  font-size: 0.95rem;
  background-color: #fefefe;
}

.multifamily-loan-section .program-table th {
  background-color: #eaf4fb;
  font-weight: 600;
}

@media (max-width: 600px) {
  /* Navbar layout */
  .nav-container {
    flex-direction: column;
    align-items: flex-start;
    padding: 10px;
  }

  .logo-wrapper {
    justify-content: center;
    width: 100%;
    margin-bottom: 10px;
  }

  .nav-links {
    flex-direction: column;
    align-items: flex-start;
    width: 100%;
    gap: 10px;
  }

  .phone, .btn {
    margin-left: 0;
    width: 100%;
    text-align: center;
  }

  .btn {
    padding: 10px;
  }

  /* Hero section */
  .hero-content h1 {
    font-size: 1.8rem;
  }

  .hero-content p {
    font-size: 1rem;
  }

  .hero-btn {
    padding: 12px 20px;
    font-size: 0.95rem;
  }

  /* Product cards */
  .products-grid {
    flex-direction: column;
    align-items: center;
  }

  .product-card {
    width: 90%;
    min-height: auto;
  }

  /* Footer layout */
  .footer-container {
    flex-direction: column;
    align-items: flex-start;
    gap: 30px;
  }

  .footer-left, .footer-right, .footer-social {
    width: 100%;
  }

  .footer-social .social-icons {
    justify-content: flex-start;
  }

  /* General spacing */
  body {
    padding: 20px;
  }

  .form-section {
    padding: 20px;
  }
}

.bridge-layout {
  display: flex;
  gap: 40px;
  align-items: flex-start;
  justify-content: space-between;
  flex-wrap: wrap;
}

.bridge-text {
  flex: 1 1 600px;
}

.bridge-ram {
  flex: 0 0 280px;
  text-align: center;
}

.bridge-ram img {
  max-width: 100%;
  height: auto;
  border-radius: 12px;
}

.ram-quote {
  font-style: italic;
  font-size: 0.95rem;
  margin-top: 10px;
  color: #003459;
}
.bridge-layout {
  display: flex;
  gap: 40px;
  align-items: flex-start;
  justify-content: space-between;
  flex-wrap: wrap;
}

.bridge-text {
  flex: 1 1 600px;
}

.bridge-ram {
  flex: 0 0 280px;
  text-align: center;
}

.bridge-ram img {
  max-width: 100%;
  height: auto;
  border-radius: 12px;
}

.ram-quote {
  font-style: italic;
  font-size: 0.95rem;
  margin-top: 10px;
  color: #003459;
}

.document-upload-cta {
  padding: 60px 20px;
  background-color: #f9f9f9;
  text-align: center;
}

.document-upload-cta h2 {
  font-size: 2rem;
  margin-bottom: 10px;
}

.document-upload-cta p {
  font-size: 1.1rem;
  margin-bottom: 20px;
}

.btn-outline {
  padding: 10px 20px;
  border: 2px solid #007ea7;
  background: none;
  color: #007ea7;
  font-weight: bold;
  text-decoration: none;
  border-radius: 5px;
  transition: 0.3s;
}

.btn-outline:hover {
  background-color: #007ea7;
  color: white;
}
/* Upload Section Styling */
/* =======================
   Upload Section Styling
======================= */
.upload-section {
  padding: 4rem 1rem;
  background-color: #f7f9fb;
  color: #00171F;
}

.upload-section .container {
  max-width: 700px;
  margin: auto;
  background: #fff;
  padding: 2rem 3rem;
  border-radius: 12px;
  box-shadow: 0 0 20px rgba(0, 23, 31, 0.05);
}

.upload-section h1.page-title {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  margin-bottom: 1rem;
  color: #003459;
}

.upload-section .intro-text {
  font-size: 1rem;
  margin-bottom: 2rem;
  color: #003459;
}

.upload-section label {
  display: block;
  font-weight: 600;
  margin: 1rem 0 0.5rem;
  color: #00171F;
}

.upload-section input[type="email"],
.upload-section input[type="file"] {
  width: 100%;
  padding: 0.75rem;
  border: 1px solid #ccc;
  border-radius: 8px;
  font-size: 1rem;
  font-family: 'Poppins', sans-serif;
}

.upload-section input[type="file"] {
  padding: 0.5rem;
}

.upload-section .btn {
  display: inline-block;
  margin-top: 1.5rem;
  padding: 0.75rem 1.5rem;
  background-color: #007EA7;
  color: white;
  border: none;
  border-radius: 8px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: background-color 0.3s ease;
}

.upload-section .btn:hover {
  background-color: #00A8E8;
}

#upload-status {
  margin-top: 2rem;
  font-size: 0.95rem;
  color: #006494;
  line-height: 1.5;
}

/* =======================
   Upload Banner Styling
======================= */
.upload-banner {
  background-color: #0b1d35;
  color: #ffffff;
  text-align: center;
  padding: 4rem 1rem;
  position: relative; /* required for pseudo-elements */
}

.upload-banner::before,
.upload-banner::after {
  content: "";
  display: block;
  height: 2px;
  background-color: #ffffff;
  width: 80%;
  margin: 0 auto 2rem auto;
}

.upload-banner::after {
  margin: 2rem auto 0 auto;
}


.upload-banner h2,
.upload-banner p {
  color: #ffffff;
}

.upload-banner .btn {
  background-color: #2F6FED; /* Same as Learn More buttons */
  color: #ffffff;
  padding: 0.75rem 1.5rem;
  font-weight: 600;
  border-radius: 8px;
  transition: background-color 0.3s ease;
  text-decoration: none;
  display: inline-block;
  margin-top: 1rem;
}

.upload-banner .btn:hover {
  background-color: #007EA7; /* Optional: match hover style */
}


.form-note {
  font-style: italic;
  font-size: 0.95rem;
  color: #003459;
  background-color: #eaf4fb;
  border-left: 4px solid #007ea7;
  padding: 12px 16px;
  margin-bottom: 24px;
  border-radius: 6px;
}

.financial-statement {
  padding: 40px;
  max-width: 1100px;
  margin: auto;
  font-family: 'Poppins', sans-serif;
  background: #ffffff;
  color: #00171F;
}

.fs-form h2 {
  margin-top: 2em;
  font-size: 1.5rem;
  border-bottom: 2px solid #007ea7;
  padding-bottom: 0.3em;
}

.form-note, .schedule-note {
  font-size: 0.95rem;
  margin-bottom: 1.5em;
  background: #f0f8ff;
  padding: 10px;
  border-left: 4px solid #007ea7;
}

fieldset {
  border: 1px solid #ccc;
  padding: 1em;
  margin-bottom: 2em;
}

legend {
  font-weight: bold;
  color: #003459;
}

label {
  display: block;
  margin: 10px 0;
}

input, textarea, select {
  width: 100%;
  padding: 8px;
  margin-top: 5px;
  border: 1px solid #ccc;
  border-radius: 4px;
}

.btn.submit-btn {
  background-color: #007ea7;
  color: #fff;
  border: none;
  padding: 12px 24px;
  border-radius: 6px;
  font-size: 1rem;
  cursor: pointer;
  margin-top: 20px;
}

.btn.submit-btn:hover {
  background-color: #00a8e8;
}


/* ========= Enhanced Financial Statement Styles ========= */
.financial-statement {
  padding: 40px;
  max-width: 1100px;
  margin: auto;
  font-family: 'Poppins', sans-serif;
  background: #ffffff;
  color: #00171F;
  border-radius: 12px;
  box-shadow: 0 0 20px rgba(0, 23, 31, 0.06);
}

.fs-form h2 {
  margin-top: 2em;
  font-size: 1.6rem;
  border-bottom: 2px solid #007ea7;
  padding-bottom: 0.3em;
  color: #003459;
}

.form-note,
.schedule-note {
  font-size: 0.95rem;
  margin-bottom: 1.5em;
  background: #f0f8ff;
  padding: 12px 16px;
  border-left: 4px solid #007ea7;
  border-radius: 6px;
}

fieldset {
  border: 1px solid #ccc;
  padding: 20px;
  margin-bottom: 2em;
  border-radius: 8px;
}

legend {
  font-weight: bold;
  color: #003459;
  font-size: 1.1rem;
  padding: 0 10px;
}

label {
  display: block;
  font-weight: 500;
  margin-bottom: 6px;
  color: #00171F;
}

input,
textarea,
select {
  width: 100%;
  padding: 12px;
  margin-bottom: 20px;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-size: 1rem;
  background-color: #f9f9f9;
  font-family: 'Poppins', sans-serif;
}

input[type="radio"],
input[type="checkbox"] {
  width: auto;
  margin-right: 8px;
}

fieldset label.inline {
  display: inline-block;
  margin-right: 20px;
  font-weight: normal;
}

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

.btn.submit-btn {
  background-color: #007ea7;
  color: #fff;
  border: none;
  padding: 14px 28px;
  border-radius: 8px;
  font-size: 1rem;
  cursor: pointer;
  margin-top: 30px;
  display: inline-block;
}

.btn.submit-btn:hover {
  background-color: #00a8e8;
  transition: background-color 0.3s ease;
}

/* Grouped fields grid */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-grid textarea {
  grid-column: span 2;
}

@media (max-width: 768px) {
  .form-grid {
    grid-template-columns: 1fr;
  }
}

.legal-consent {
  background-color: #f7faff;
  border: 1px solid #cce4f7;
  padding: 25px;
  border-radius: 10px;
  margin-top: 2em;
}

.legal-consent legend {
  font-size: 1.2rem;
  font-weight: 600;
  color: #003459;
  margin-bottom: 1em;
}

.legal-consent p {
  margin-bottom: 1em;
  font-size: 0.95rem;
  line-height: 1.6;
}

.legal-consent label {
  display: block;
  margin-top: 1.5em;
  font-weight: 500;
  color: #00171f;
}

.legal-consent input[type="text"],
.legal-consent input[type="date"] {
  width: 100%;
  max-width: 400px;
  padding: 10px;
  margin-top: 5px;
  border: 1px solid #ccc;
  border-radius: 5px;
  font-size: 0.95rem;
}

.form-step {
  display: none;
}

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

.next-btn, .prev-btn {
  background-color: #007ea7;
  color: white;
  padding: 10px 20px;
  border: none;
  margin-top: 20px;
  border-radius: 5px;
  cursor: pointer;
}

.next-btn:hover, .prev-btn:hover {
  background-color: #00a8e8;
}

.form-step h2 {
  font-size: 1.4rem;
  color: #003459;
  margin-bottom: 1.2em;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 16px 32px;
  margin-bottom: 2em;
}

label {
  display: flex;
  flex-direction: column;
  font-weight: 500;
  font-size: 0.95rem;
  color: #00171f;
}

input[type="text"],
input[type="tel"],
input[type="date"],
input[type="number"],
select,
textarea {
  margin-top: 6px;
  padding: 10px 12px;
  font-size: 0.95rem;
  border: 1px solid #ccc;
  border-radius: 6px;
  background-color: #fff;
  transition: border-color 0.3s ease;
}

input:focus,
select:focus,
textarea:focus {
  border-color: #007ea7;
  outline: none;
}

.next-btn {
  background-color: #007ea7;
  color: #fff;
  border: none;
  padding: 10px 28px;
  font-size: 1rem;
  border-radius: 6px;
  cursor: pointer;
  transition: background-color 0.2s ease;
}

.next-btn:hover {
  background-color: #00a8e8;
}
/* Schedule Section Enhancements */
.schedule-section fieldset {
  border: 1px solid #ccc;
  border-radius: 10px;
  padding: 24px;
  margin-bottom: 30px;
  background-color: #f9f9f9;
}

.schedule-section legend {
  font-size: 1.2rem;
  font-weight: bold;
  color: #003459;
  padding: 0 10px;
}

.schedule-section .repeatable {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
  background-color: #ffffff;
  padding: 20px;
  border-radius: 8px;
  border: 1px solid #ddd;
  margin-bottom: 20px;
}

.schedule-section label {
  font-size: 0.95rem;
  font-weight: 500;
  color: #00171f;
}

.schedule-section input {
  padding: 10px;
  font-size: 0.95rem;
  border-radius: 6px;
  border: 1px solid #ccc;
  background-color: #fdfdfd;
  transition: border-color 0.3s ease;
}

.schedule-section input:focus {
  border-color: #00a8e8;
  outline: none;
}

.schedule-section .add-row-btn {
  background-color: #003459;
  color: white;
  font-weight: bold;
  border: none;
  padding: 10px 20px;
  border-radius: 6px;
  margin-bottom: 10px;
  cursor: pointer;
  transition: background-color 0.3s ease;
}

.schedule-section .add-row-btn:hover {
  background-color: #00a8e8;
}

.schedule-section .total-balance-label {
  font-weight: bold;
  color: #003459;
  margin-top: 10px;
}

.schedule-section input[readonly] {
  background-color: #e9ecef;
  font-weight: bold;
  border: 1px solid #ccc;
}
.next-btn,
.prev-btn {
  margin: 20px 10px 0 0;
  padding: 10px 20px;
  font-size: 16px;
  background-color: #007ea7; /* Or your chosen palette */
  color: white;
  border: none;
  border-radius: 6px;
  cursor: pointer;
}

.next-btn:hover,
.prev-btn:hover {
  opacity: 0.85;
}


  .form-step {
    display: none;
  }

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

  .next-btn,
  .prev-btn {
    margin: 20px 10px 0 0;
    padding: 10px 20px;
    font-size: 16px;
    cursor: pointer;
    background-color: #007ea7;
    color: white;
    border: none;
    border-radius: 6px;
  }

  .next-btn:hover,
  .prev-btn:hover {
    background-color: #00a8e8;
  }

  .form-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 20px;
    margin-bottom: 20px;
  }

  .form-grid label,
  fieldset label {
    display: flex;
    flex-direction: column;
    font-weight: 500;
  }

  input[type="text"],
  input[type="number"],
  input[type="date"],
  input[type="tel"],
  input[type="email"] {
    padding: 10px;
    font-size: 15px;
    border-radius: 6px;
    border: 1px solid #ccc;
    width: 100%;
  }

  fieldset {
    margin-top: 20px;
    padding: 20px;
    border: 1px solid #ccc;
    border-radius: 8px;
    background-color: #fefefe;
  }

  fieldset legend {
    font-weight: bold;
  }

  .repeatable {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 20px;
    margin-bottom: 20px;
  }

  form {
    max-width: 1200px;
    margin: 0 auto;
    padding: 30px;
    background-color: #fdfbf5;
    border-radius: 10px;
  }

  .next-btn, .prev-btn {
  background-color: #007ea7;
  color: white;
  border: none;
  border-radius: 6px;
  padding: 10px 16px;
  margin: 10px 5px 0 0;
  cursor: pointer;
  transition: background 0.2s ease;
}

.next-btn:hover, .prev-btn:hover {
  background-color: #005f7a;
}

button {
  padding: 10px 20px;
  font-size: 16px;
  font-weight: 600;
  border-radius: 8px;
  cursor: pointer;
  border: none;
  transition: background-color 0.3s, color 0.3s;
}

/* Primary button style for 'Submit' */
button[type="submit"],
button.next-btn {
  background-color: #007ea7; /* Bright blue from your palette */
  color: white;
}

button[type="submit"]:hover,
button.next-btn:hover {
  background-color: #00a8e8; /* Lighter blue on hover */
}

/* Secondary button style for 'Add Row' or 'Previous' */
button[type="button"]:not(.next-btn):not(.prev-btn) {
  background-color: #003459; /* Dark cyan-blue */
  color: white;
}

button[type="button"]:not(.next-btn):not(.prev-btn):hover {
  background-color: #00171f; /* Very dark blue */
}

/* Style specifically for previous buttons */
button.prev-btn {
  background-color: #6c757d; /* Neutral gray for previous */
  color: white;
}

button.prev-btn:hover {
  background-color: #495057;
}

#successMessage {
  background-color: #e6ffed;
  border: 1px solid #28a745;
  color: #155724;
  padding: 20px;
  border-radius: 8px;
  margin-top: 20px;
  display: none;
}
#successMessage a.btn {
  background-color: #007ea7;
  color: white;
  padding: 10px 18px;
  border-radius: 5px;
  text-decoration: none;
  font-weight: bold;
  display: inline-block;
  margin-top: 10px;
}
.next-btn:disabled {
  background-color: #ccc;
  cursor: not-allowed;
}

fieldset#certificationQuestions label {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
  margin-bottom: 8px;
}

.inline-pair {
  display: flex;
  justify-content: space-between;
  align-items: baseline; /* changed from center to baseline */
  flex-wrap: wrap;
  gap: 10px;
}

.inline-options {
  display: flex;
  align-items: baseline; /* fix vertical alignment */
  gap: 12px;
  margin: 0; /* remove extra vertical space */
  padding: 0;
}

.inline-options label {
  display: flex;
  align-items: baseline; /* keep labels flat */
  gap: 4px;
  margin: 0;
  padding: 0;
  font-weight: normal;
  line-height: 1;
}

fieldset#certificationQuestions input[type="radio"] {
  margin: 0;
  transform: translateY(1px); /* optional: micro-tweak to align bullet */
}





.question-group {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  margin-bottom: 16px;
}

.question-label {
  font-weight: 500;
  flex-shrink: 0;
  margin-right: 10px;
  white-space: nowrap;
}



.question-group input[type="text"],
.question-group input[type="date"] {
  margin-left: 0;
  margin-top: 6px;
  margin-bottom: 12px;
  width: 100%;
  max-width: 500px;
}