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

body {
    margin: 0;
    font-family: 'Poppins', sans-serif;
    background: #f6f9fc;
    color: #1c1c1c;
}

.container {
  width: 90%;
  max-width: 1200px;
  margin: auto;
}

/* HEADER */
.header {
  background: #fff;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  position: sticky;
  top: 0;
  z-index: 999;
}

.header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 0;
}

.logo a {
  font-size: 22px;
  font-weight: bold;
  text-decoration: none;
  color: #0b4db7;
}

.logo span {
  color: #111;
}

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

.logo img {
  height: 100px;   /* increase this */
  width: auto;
}

.logo img:hover {
    transform: scale(1.03);
}

nav ul {
  list-style: none;
  display: flex;
  gap: 18px;
  align-items: center;
}

nav a {
    text-decoration: none;
    color: #333;
    font-size: 14px;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 30px 14px;
    transition: color .3s ease;
}

nav a:hover {
    color: #0b4db7;
}

.services{
    padding:90px 0;
    background:#f5f8fc;
}

.section-title{
    text-align:center;
    margin-bottom:50px;
}

.section-title h2{
    font-size:38px;
    color:#183153;
    margin-bottom:15px;
}

.section-title p{
    font-size:18px;
    color:#666;
}

.content-section{
    background:white;
    padding:80px 0;
}

.content-section h2{
    text-align:center;
    color:#183153;
    font-size:34px;
    margin-bottom:30px;
}

.content-section p{
    color:#555;
    line-height:1.9;
    font-size:17px;
    margin-bottom:25px;
}

/* ABOUT PAGE */

.about-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/about-hero.jpg);

    background-size:cover;
    background-position:center;
}

.about-page{
    padding:50px 0;
    background:white;
}

.about-block{
    margin-bottom:50px;
}

.about-block h2{
    text-align:center;
    font-size:36px;
    color:#183153;
    margin-bottom:35px;
}

.about-block p{
    font-size:18px;
    line-height:1.9;
    color:#555;
    margin-bottom:25px;
}

.about-cards{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:30px;
    margin-top:50px;
}

.about-card{
    background:#fff;
    padding:40px 30px;
    text-align:center;
    border-radius:18px;
    box-shadow:0 15px 35px rgba(0,0,0,.08);
}

.about-icon{
    font-size:45px;
    margin-bottom:20px;
}

.about-card h3{
    color:#183153;
    margin-bottom:15px;
}

.about-features{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:30px;
    margin-top:50px;
}

.feature{
    text-align:center;
    padding:40px 30px;
    background:#f6f9fc;
    border-radius:18px;
}

.feature-number{
    width:70px;
    height:70px;
    margin:0 auto 25px;
    border-radius:50%;
    background:#0d6efd;
    color:white;
    display:flex;
    justify-content:center;
    align-items:center;
    font-size:30px;
    font-weight:bold;
}

.feature h3{
    color:#183153;
    margin-bottom:15px;
}

.mission{
    text-align:center;
}

.about-button{
    margin-top:50px;
}

@media(max-width:900px){

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

.about-block{
    margin-bottom:60px;
}

}

.center-button{
    text-align:center;
    margin-top:35px;
}

.finance-btn{
    display:inline-block;
    margin-top:20px;
    background:#0b4db7;
    color:white;
    padding:14px 30px;
    border-radius:8px;
    font-weight:bold;
    text-decoration:none;
    transition:.3s;
}

.finance-btn:hover{
    background:#083b8a;
    transform:translateY(-2px);
}

.service-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(270px,1fr));
    gap:30px;
}

.service-card{
    position:relative;
    height:280px;
    border-radius:18px;
    overflow:hidden;
    text-decoration:none;
    color:#fff;
    background-size:cover;
    background-position:center;
    transition:.35s;
    box-shadow:0 15px 35px rgba(0,0,0,.18);
}

.service-card:hover{
    transform:translateY(-10px);
}

.overlay{
    position:absolute;
    inset:0;
    background:linear-gradient(to top,rgba(0,0,0,.78),rgba(0,0,0,.15));
}

.content{
    position:absolute;
    bottom:25px;
    left:25px;
    right:25px;
    z-index:2;
}

.icon{
    font-size:40px;
    margin-bottom:12px;
}

.content h3{
    font-size:28px;
    margin-bottom:10px;
}

.content p{
    line-height:1.6;
}

.roof{
background-image:url(images/roof-loans.jpg);
}

.deck{
background-image:url(images/deck-and-fence-loans.jpg);
}

.house{
background-image:url(images/home-reno-loans.jpg);
}

.roof-shingles{
background-image:url(images/roof-shingles.jpg);
}

.roof-metal{
background-image:url(images/roof-metal.jpg);
}

.roof-repairs{
background-image:url(images/roof-flat.jpg);
}

.wood-deck{
    background-image:url(images/wood-deck.jpg);
}

.composite-deck{
    background-image:url(images/composite-deck.jpg);
}

.fences{
    background-image:url(images/fences.jpg);
}

.interlock-driveway{
    background-image:url(images/interlock-driveway.jpg);
}

.interlock-walkway{
    background-image:url(images/interlock-walkway.jpg);
}

.interlock-pool{
    background-image:url(images/interlock-pool.jpg);
}

.kitchen-reno{
    background-image:url(images/kitchen-reno.jpg);
}

.bathroom-reno{
    background-image:url(images/bathroom-reno.jpg);
}

.basement-reno{
    background-image:url(images/basement-reno.jpg);
}

.whole-home-reno{
    background-image:url(images/whole-home-reno.jpg);
}

.home-additions{
    background-image:url(images/home-addition.jpg);
}

.interior-upgrades{
    background-image:url(images/interior-upgrades.jpg);
}

.pool-install{
    background-image:url(images/pool-install.jpg);
}

.pool-repair{
    background-image:url(images/pool-repair.jpg);
}

.pool-reno{
    background-image:url(images/pool-reno.jpg);
}

.pool-deck{
    background-image:url(images/pool-deck.jpg);
}

.pool-equipment{
    background-image:url(images/pool-equipment.jpg);
}

.backyard{
    background-image:url(images/backyard.jpg);
}

/* HOW IT WORKS */

.how-works{
    padding:90px 0;
    background:white;
}

.steps-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
    gap:35px;
}

.step{
    background:#fff;
    border-radius:18px;
    padding:40px 30px;
    text-align:center;
    box-shadow:0 15px 35px rgba(0,0,0,.08);
    transition:.3s;
}

.step:hover{
    transform:translateY(-8px);
}

.number{
    width:75px;
    height:75px;
    margin:auto;
    border-radius:50%;
    background:#0d6efd;
    color:white;
    font-size:34px;
    font-weight:bold;
    display:flex;
    justify-content:center;
    align-items:center;
    margin-bottom:25px;
}

.step h3{
    color:#183153;
    margin-bottom:15px;
}

.step p{
    color:#666;
    line-height:1.7;
}

.footer{
    background:linear-gradient(180deg,#183153,#102542);
    color:#fff;
    padding:70px 0 25px;
    margin-top:0px;
}

.footer-grid{
    display:grid;
    grid-template-columns:2fr 1fr 1fr 1.5fr;
    gap:60px;
    margin-bottom:50px;
}

.footer h3{
    margin-bottom:20px;
    font-size:22px;
}

.footer p{
    color:#c7d5e4;
    line-height:1.8;
}

.footer ul{
    list-style:none;
    padding:0;
}

.footer li{
    margin-bottom:14px;
}

.footer a{
    color:#d8e7ff;
    text-decoration:none;
    transition:.3s;
}

.footer a:hover{
    color:#4fb3ff;
    padding-left:6px;
}

.footer-logo{
    width:240px;
    margin-bottom:25px;
}

.footer-btn,
.footer-apply{
    display:inline-block;
    margin-top:25px;
    background:#1d7df2;
    color:#fff;
    padding:14px 30px;
    border-radius:40px;
    font-weight:bold;
    text-decoration:none;
    transition:.3s;
}

.footer-btn:hover,
.footer-apply:hover{
    background:#3494ff;
    transform:translateY(-3px);
}

.footer-bottom{
    border-top:1px solid rgba(255,255,255,.15);
    padding-top:25px;
    display:flex;
    justify-content:space-between;
    align-items:center;
    flex-wrap:wrap;
}

.footer-links{
    display:flex;
    gap:25px;
}

.footer-links a{
    padding:0;
}

@media(max-width:900px){
    .footer-grid{
        grid-template-columns:1fr;
        text-align:center;
    }

    .footer-bottom{
        flex-direction:column;
        gap:20px;
    }

    .footer-logo{
        margin:auto auto 25px;
    }
}

/* DROPDOWN */
.dropdown {
    position: relative;
}

.dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 260px;
    background: #fff;
    border-radius: 8px;
    box-shadow: 0 10px 30px rgba(0,0,0,.12);
    padding: 8px 0;
    list-style: none;
    margin: 0;
    z-index: 999;
}

.dropdown.open .dropdown-menu {
    display: block;
}

.dropdown-menu li {
    display: block;
    width: 100%;
}

.dropdown-menu li a {
    display: block;
    width: 100%;
    padding: 12px 20px;
    font-size: 14px;
    font-weight: 500;
    text-transform: none;
    letter-spacing: 0;
    white-space: nowrap;
    color: #333;
}

.dropdown-menu li a:hover {
    background: #f4f8ff;
    color: #0b4db7;
}

/* CTA BUTTON */
.apply-btn {
    background: #0b4db7;
    color: #fff !important;
    padding: 12px 24px;
    border-radius: 30px;
    font-size: 14px;
    font-weight: 600;
    text-transform: uppercase;
    transition: .3s;
}

.apply-btn:hover {
    background: #083b8a;
    transform: translateY(-2px);
}

/* HERO */
.hero {
    background:
    linear-gradient(rgba(16,37,66,.80), rgba(16,37,66,.80)),

    background-size: cover;
    background-position: center;
    color: white;
    padding: 120px 0;
    text-align: center;
}

.hero-home{
    background:
    linear-gradient(rgba(16,37,66,.80), rgba(16,37,66,.80)),
    url(images/hero-home.jpg);

    background-size: cover;
    background-position: center;
    color: white;
    padding: 120px 0;
    text-align: center;
}

.roof-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/roof-hero.jpg);
    background-size:cover;
    background-position:center;
    color: white;
    padding: 120px 0;
    text-align: center;
}

.deck-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/deck-hero.jpg);
    background-size:cover;
    background-position:center;
    color: white;
    padding: 120px 0;
    text-align: center;
}

.interlock-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/interlock-hero.jpg);
    background-size:cover;
    background-position:center;
    color: white;
    padding: 120px 0;
    text-align: center;
}

.renovation-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/renovation-hero.jpg);
    background-size:cover;
    background-position:center;
    color: white;
    padding: 120px 0;
    text-align: center;
}

.pool-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/pool-hero.jpg);
    background-size:cover;
    background-position:center;
    color: white;
    padding: 120px 0;
    text-align: center;
}

.about-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/about-hero.jpg);
    background-size:cover;
    background-position:center;
}

.contact-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/contact-hero.jpg);

    background-size:cover;
    background-position:center;
}

.hero h1 {
  font-size: 44px;
  margin-bottom: 10px;
}

.hero p {
  font-size: 18px;
  opacity: 0.9;
}

.cta {
  display: inline-block;
  margin-top: 20px;
  background: white;
  color: #0b4db7;
  padding: 14px 26px;
  border-radius: 8px;
  font-weight: bold;
  text-decoration: none;
}

.hero-stats {
  display: flex;
  justify-content: center;
  gap: 30px;
  margin-top: 30px;
  font-weight: bold;
}

/* CARDS */
.cards {
  padding: 60px 0;
}

.cards h2 {
  text-align: center;
  margin-bottom: 30px;
}

.grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.card {
  background: white;
  padding: 30px;
  text-align: center;
  border-radius: 10px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.06);
  text-decoration: none;
  color: #111;
  font-weight: bold;
}

/* STEPS */
.steps {
  display: flex;
  justify-content: space-between;
  margin-top: 20px;
  font-weight: bold;
}

/* MOBILE MENU */

.menu-toggle {
  display: none;
  cursor: pointer;
  align-items: center;
  gap: 8px;
  font-size: 16px;
  font-weight: 600;
  color: #333;
  text-transform: uppercase;
}

.menu-toggle .hamburger {
  font-size: 28px;
  line-height: 1;
}

.menu-toggle .menu-text {
  font-size: 16px;
  letter-spacing: 1px;
}


@media(max-width: 900px) {

  nav ul {
    display: none;
    position: absolute;
    top: 70px;
    left: 0;
    width: 100%;
    background: white;
    flex-direction: column;
    padding: 20px;
  }

  nav ul.active {
    display: flex;
  }

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

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

  .menu-toggle {
    display: flex;
  }

  .logo img {
    height: 50px;
    width: auto;
  }

}


@media (min-width: 992px) {

  .logo img {
    height: 110px;
  }

}

/* FAQ PAGE */

.faq-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/faq-hero.jpg);

    background-size:cover;
    background-position:center;
}


.faq-page{
    padding:70px 0;
    background:white;
}


.faq-intro{
    text-align:center;
    margin-bottom:50px;
}


.faq-intro h2{
    color:#183153;
    font-size:36px;
    margin-bottom:25px;
}


.faq-intro p{
    font-size:18px;
    line-height:1.8;
    color:#555;
}


.faq-list{
    max-width:900px;
    margin:auto;
}


.faq-item{
    background:#f6f9fc;
    padding:30px;
    margin-bottom:20px;
    border-radius:15px;
}


.faq-item h3{
    color:#183153;
    font-size:21px;
    margin-bottom:15px;
}


.faq-item p{
    color:#555;
    line-height:1.8;
    font-size:17px;
}


.faq-button{
    text-align:center;
    margin-top:50px;
}

/* HOW IT WORKS PAGE */

.how-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/how-hero.jpg);

    background-size:cover;
    background-position:center;
}


.how-page{
    padding:70px 0;
    background:white;
}


.how-steps{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:30px;
    margin-top:50px;
}


.how-card{
    background:#f6f9fc;
    padding:35px 25px;
    text-align:center;
    border-radius:18px;
}


.how-number{
    width:70px;
    height:70px;
    background:#0d6efd;
    color:white;
    border-radius:50%;
    display:flex;
    justify-content:center;
    align-items:center;
    font-size:30px;
    font-weight:bold;
    margin:0 auto 25px;
}


.how-card h3{
    color:#183153;
    margin-bottom:15px;
}


.how-card p{
    color:#555;
    line-height:1.8;
}


.how-content{
    margin-top:80px;
}


.how-content h2{
    text-align:center;
    color:#183153;
    font-size:36px;
    margin-bottom:35px;
}


.how-content p{
    font-size:18px;
    color:#555;
    line-height:1.9;
    margin-bottom:25px;
}


.how-button{
    text-align:center;
    margin-top:50px;
}


@media(max-width:900px){

.how-steps{
    grid-template-columns:1fr;
}

}

/* CONTACT PAGE */

.contact-page{
    padding:50px 0;
    background:white;
}


.contact-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:35px;
    margin-top:35px;
}


.contact-info{
    display:flex;
    flex-direction:column;
    gap:18px;
}


.contact-box{
    background:#f6f9fc;
    padding:25px;
    border-radius:18px;
}


.contact-icon{
    font-size:35px;
    margin-bottom:10px;
}


.contact-box h3{
    color:#183153;
    margin-bottom:10px;
}


.contact-box p{
    color:#555;
    line-height:1.6;
}


.contact-apply{
    text-align:center;
    margin-top:50px;
}


.contact-apply h2{
    color:#183153;
    margin-bottom:15px;
}


/* CONTACT FORM */

.contact-form {
    background:#ffffff;
    padding:35px;
    border-radius:18px;
    box-shadow:0 10px 30px rgba(0,0,0,.08);
    box-sizing:border-box;
}


.contact-form h2 {
    color:#183153;
    font-size:28px;
    margin-bottom:25px;
}


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


.contact-form input,
.contact-form textarea {
    width:100%;
    padding:15px 18px;
    margin-bottom:18px;
    border:1px solid #d9e1ec;
    border-radius:10px;
    font-family:'Poppins',sans-serif;
    font-size:15px;
    background:#fff;
    box-sizing:border-box;
    transition:.3s;
}


.contact-form input:focus,
.contact-form textarea:focus {
    outline:none;
    border-color:#0b4db7;
    box-shadow:0 0 0 3px rgba(11,77,183,.12);
}


.contact-form textarea {
    height:140px;
    resize:none;
}


.contact-form button {
    width:fit-content;
    background:#0b4db7;
    color:white;
    border:none;
    padding:14px 35px;
    border-radius:30px;
    font-size:16px;
    font-weight:600;
    cursor:pointer;
    transition:.3s;
}


.contact-form button:hover {
    background:#083b8a;
    transform:translateY(-2px);
}


/* ========================= */
/* MOBILE CONTACT PAGE FIX */
/* ========================= */

@media screen and (max-width:768px){

    .contact-page{
        padding:30px 15px;
    }


    .contact-grid{
        display:flex;
        flex-direction:column;
        width:100%;
        gap:25px;
        margin-top:25px;
    }


    .contact-info{
        width:100%;
        display:flex;
        flex-direction:column;
    }


    .contact-box{
        width:100%;
        padding:20px;
        border-radius:15px;
        box-sizing:border-box;
    }


    .contact-icon{
        font-size:30px;
    }


    .contact-form{
        width:100%;
        padding:25px 20px;
        border-radius:15px;
        box-sizing:border-box;
    }


    .contact-form h2{
        font-size:24px;
        text-align:center;
    }


    .contact-form input,
    .contact-form textarea{
        width:100%;
        font-size:16px;
        box-sizing:border-box;
    }


    .contact-form textarea{
        height:120px;
    }


    .contact-form button{
        width:100%;
        padding:15px;
    }

}

/* APPLY PAGE */

.apply-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/apply-hero.jpg);
    background-size:cover;
    background-position:center;
}

.apply-page{
    padding:60px 0;
    background:#fff;
}

.apply-intro{
    text-align:center;
    margin-bottom:45px;
}

.apply-intro h2{
    color:#183153;
    font-size:36px;
    margin-bottom:20px;
}

.apply-intro p{
    font-size:18px;
    color:#555;
}

.apply-form{
    max-width:850px;
    margin:auto;
    background:#f6f9fc;
    padding:40px;
    border-radius:20px;
    box-shadow:0 15px 35px rgba(0,0,0,.08);
}

/* SECTION HEADINGS */

.apply-form h2{
    color:#183153;
    font-size:24px;
    margin:0 0 30px;
}

.apply-form hr{
    border:0;
    border-top:1px solid #d9e1ec;
    margin:50px 0 35px;
}

/* FORM LAYOUT */

.apply-form .form-row{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:20px;
    margin-bottom:5px;
}

.apply-form label{
    display:block;
    margin-bottom:10px;
    font-weight:600;
    color:#183153;
}

.apply-form input,
.apply-form select,
.apply-form textarea{
    width:100%;
    padding:15px;
    margin-bottom:22px;
    border:1px solid #d9e1ec;
    border-radius:10px;
    font-family:'Poppins',sans-serif;
    font-size:15px;
    background:#fff;
    color:#333;
    box-sizing:border-box;
    appearance:none;
    -webkit-appearance:none;
    -moz-appearance:none;
}

.apply-form select{
    background:
        #fff
        url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23666' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E")
        no-repeat right 15px center;
    padding-right:45px;
}

.apply-form textarea{
    height:150px;
    resize:vertical;
}

.apply-form button{
    display:block;
    margin:30px auto 0;
    background:#0b4db7;
    color:#fff;
    border:none;
    padding:15px 45px;
    border-radius:30px;
    font-size:16px;
    font-weight:600;
    cursor:pointer;
    transition:.3s;
}

.apply-form button:hover{
    background:#083b8a;
    transform:translateY(-2px);
}

@media(max-width:900px){

.apply-form{
    padding:25px;
}

.apply-form .form-row{
    grid-template-columns:1fr;
    gap:0;
}

}

/* DATE OF BIRTH */

.dob-row{
    display:grid;
    grid-template-columns:2fr 1fr 1fr;
    gap:12px;
}

.dob-row select{
    margin-bottom:0;
}

/* LEGAL PAGES */

.legal-hero{
    background:
    linear-gradient(rgba(16,37,66,.80),rgba(16,37,66,.80)),
    url(images/legal-hero.jpg);

    background-size:cover;
    background-position:center;
}


.legal-page{
    padding:60px 0;
    background:white;
}


.legal-page h2{
    color:#183153;
    font-size:28px;
    margin:35px 0 15px;
}


.legal-page p{
    color:#555;
    font-size:17px;
    line-height:1.8;
    margin-bottom:20px;
}