/* ============================================
   BORROWERS DEMO - New Design Styles
   ============================================ */

/* ---- Global Font Consistency ---- */
.loan-banner,
.eligibility-section,
.loan-amount-section,
.loan-categories-section,
.videos-section,
.give-back-section,
.testimonials-section {
  font-family: "Montserrat", "GothamBook", sans-serif;
}

/* ---- SECTION 1: BANNER ---- */
.loan-banner {
  background: linear-gradient(rgba(122, 212, 236, 0.55), rgba(122, 212, 236, 0.05)), url("/images/arrow-background.png") center center / cover no-repeat;
  background-color: #7ad4ec;
  position: relative;
  overflow: hidden;
  min-height: 420px;
}

.loan-banner .container {
  position: relative;
  z-index: 2;
}

.loan-banner-grid {
  display: flex;
  align-items: center;
  min-height: 420px;
  position: relative;
}

.loan-banner-text {
  flex: 1;
  padding: 3em 0;
  max-width: 50%;
}

.loan-banner-text h2 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  letter-spacing: 0.01em;
  font-size: clamp(1.8rem, 3vw, 2.8rem);
  color: #1c4489;
  line-height: 1.2;
  margin-bottom: 0.5em;
}

.loan-banner-text p {
  font-size: 1.05rem;
  color: #444;
  line-height: 1.6;
  max-width: 480px;
}

.loan-banner-images {
  position: absolute;
  right: calc(-50vw + 50%);
  top: 0;
  height: 100%;
  width: 50vw;
  overflow: hidden;
  border-radius: 0;
}

.loan-banner-images img {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  opacity: 0;
  transition: opacity 1.5s ease-in-out;
}

.loan-banner-images img.active {
  opacity: 1;
}

/* Adjust positioning for images where heads are cut off */
.loan-banner-images img:nth-child(1),
.loan-banner-images img:nth-child(3),
.loan-banner-images img:nth-child(5),
.loan-banner-images img:nth-child(6) {
  object-position: center 15%;
}

/* ---- SECTION 2: ELIGIBILITY & PROCESS ---- */
.eligibility-section {
  padding: 4em 0;
  background: linear-gradient(135deg, #ffffff 0%, #f9f9ff 100%);
}

.eligibility-grid {
  display: flex;
  gap: 3em;
  align-items: flex-start;
}

.eligibility-left {
  flex: 0 0 40%;
  max-width: 40%;
}

.eligibility-right {
  flex: 0 0 55%;
  max-width: 55%;
}

.eligibility-label {
  font-family: "Montserrat-Bold", sans-serif;
  color: #33afd9;
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 0.75em;
}

.eligibility-left h3 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  letter-spacing: 0.01em;
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  color: #1c4489;
  line-height: 1.3;
  margin-bottom: 1.2em;
}

.eligibility-checklist {
  list-style: none;
  padding: 0;
  margin: 0 0 2em 0;
}

.eligibility-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75em;
  padding: 0.5em 0;
  font-size: 1.05rem;
  color: #333;
  line-height: 1.5;
}

.eligibility-checklist li .check-icon {
  color: #33afd9;
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 0.15em;
}

.eligibility-buttons {
  display: flex;
  gap: 1em;
  flex-wrap: wrap;
  margin-top: 1.5em;
}

.eligibility-buttons .btn-apply {
  background: linear-gradient(135deg, #1c4489, #33afd9);
  color: #fff;
  border: none;
  padding: 0.85em 2em;
  font-family: "Montserrat-Bold", sans-serif;
  font-size: 0.95rem;
  border-radius: 6px;
  text-decoration: none;
  transition: opacity 0.3s ease, transform 0.3s ease;
  display: inline-block;
}

.eligibility-buttons .btn-apply:hover {
  opacity: 0.9;
  transform: translateY(-2px);
  color: #fff;
}

.eligibility-buttons .btn-instructions {
  background: linear-gradient(135deg, #33afd9, #1c4489);
  color: #fff;
  border: none;
  padding: 0.85em 2em;
  font-family: "Montserrat-Bold", sans-serif;
  font-size: 0.95rem;
  border-radius: 6px;
  text-decoration: none;
  transition: opacity 0.3s ease, transform 0.3s ease;
  display: inline-block;
}

.eligibility-buttons .btn-instructions:hover {
  opacity: 0.9;
  transform: translateY(-2px);
  color: #fff;
}

/* Process Steps */
.process-steps {
  display: flex;
  flex-direction: column;
  gap: 1em;
}

.process-step {
  display: flex;
  gap: 1.2em;
  align-items: flex-start;
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-radius: 16px;
  padding: 1.5em 1.8em;
  border: 1px solid rgba(255, 255, 255, 0.6);
  box-shadow: 0 4px 24px rgba(28, 68, 137, 0.08), 0 1px 4px rgba(0,0,0,0.04);
  transition: transform 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94), box-shadow 0.35s ease;
  position: relative;
  overflow: hidden;
}

.process-step::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: linear-gradient(180deg, #33afd9, #1c4489);
  border-radius: 16px 0 0 16px;
  opacity: 0;
  transition: opacity 0.35s ease;
}

.process-step:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(28, 68, 137, 0.15), 0 4px 12px rgba(0,0,0,0.06);
}

.process-step:hover::before {
  opacity: 1;
}

.process-step-number {
  font-family: "Montserrat-Bold", sans-serif;
  font-size: 2rem;
  color: #ccdde8;
  flex-shrink: 0;
  line-height: 1;
  min-width: 40px;
  transition: color 0.3s ease;
}

.process-step:hover .process-step-number {
  color: #33afd9;
}

.process-step-content h4 {
  font-family: "Montserrat-Bold", sans-serif;
  color: #1c4489;
  font-size: 1.05rem;
  margin-bottom: 0.4em;
}

.process-step-content p {
  font-size: 0.92rem;
  color: #444;
  line-height: 1.5;
  margin: 0;
  font-weight: 500;
}

/* Accordion-style process steps for compact layout */
.process-step {
  padding: 1.2em 1.5em;
}

.process-step-number {
  font-size: 1.6rem;
  min-width: 32px;
}

/* ---- SECTION 3: LOAN AMOUNT ---- */
.loan-amount-section {
  padding: 3em 0 4em;
  background: linear-gradient(rgba(28, 68, 137, 0.85), rgba(28, 68, 137, 0.85)), url("/images/arrow-background.png") center center / cover no-repeat;
  background-color: #1c4489;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.loan-amount-section::before {
  content: '';
  position: absolute;
  top: -60%;
  right: -20%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(51,175,217,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.loan-amount-section h2 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: #fff;
  font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  margin-bottom: 0.3em;
  position: relative;
}

.loan-amount-section .subtitle {
  color: rgba(255,255,255,0.85);
  font-size: 1.05rem;
  margin-bottom: 2.5em;
  position: relative;
}

.loan-cards {
  display: flex;
  gap: 2em;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 2.5em;
  position: relative;
}

.loan-card {
  background: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 16px;
  padding: 0;
  flex: 1;
  max-width: 320px;
  min-width: 260px;
  text-align: center;
  position: relative;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.15), 0 1px 4px rgba(0,0,0,0.08);
  transition: transform 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94), box-shadow 0.35s ease;
}

.loan-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(28, 68, 137, 0.15), 0 4px 12px rgba(0,0,0,0.06);
}

.loan-card-accent {
  height: 5px;
  background: linear-gradient(90deg, #33afd9, #1c4489);
  width: 100%;
}

.loan-card.featured .loan-card-accent {
  height: 5px;
  background: linear-gradient(90deg, #1c4489, #33afd9, #1c4489);
}

.loan-card.business .loan-card-accent {
  height: 5px;
  background: linear-gradient(90deg, #33afd9, #4fc3e8, #33afd9);
}

.loan-card-inner {
  padding: 1.4em 1.8em 1.6em;
}

.loan-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, #eaf4f9, #d6ecf5);
  margin: 0 auto 0.8em;
  transition: background 0.3s ease, transform 0.3s ease;
  position: relative;
}


.loan-card-icon .icon-overlay {
  font-size: 0.7rem;
}

.loan-card:hover .loan-card-icon {
  background: linear-gradient(135deg, #33afd9, #1c4489);
  transform: scale(1.08);
}

.loan-card-icon i {
  font-size: 1.3rem;
  color: #1c4489;
  transition: color 0.3s ease;
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}

.loan-card-icon i.fa-dollar {
  font-size: 1.5rem;
}

.loan-card-icon i.fa-arrow-circle-up {
  font-size: 1.4rem;
}

.loan-card:hover .loan-card-icon i {
  color: #fff;
}

.loan-card-divider {
  width: 40px;
  height: 2px;
  background: linear-gradient(90deg, #33afd9, #1c4489);
  margin: 0 auto 0.8em;
  border-radius: 2px;
  opacity: 0.6;
  transition: width 0.35s ease, opacity 0.35s ease;
}

.loan-card:hover .loan-card-divider {
  width: 70px;
  opacity: 1;
}

.loan-card-badge {
  position: absolute;
  top: 20px;
  right: -40px;
  background: linear-gradient(90deg, #33afd9, #2a9bc2);
  color: #fff;
  font-family: "Montserrat-Bold", sans-serif;
  font-size: 0.6rem;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 0.45em 3.5em;
  transform: rotate(35deg);
  z-index: 2;
  box-shadow: 0 2px 8px rgba(51, 175, 217, 0.3);
  white-space: nowrap;
}

.loan-card h3 {
  font-family: "Montserrat-Bold", sans-serif;
  color: #1c4489;
  font-size: clamp(1.4rem, 2.2vw, 1.9rem);
  margin-bottom: 0.5em;
  letter-spacing: -0.5px;
}

.loan-card p {
  color: #444;
  font-size: 0.95rem;
  line-height: 1.5;
}

.loan-card .endorser-note {
  font-weight: 700;
  color: #333;
  font-size: 1rem;
}

.loan-card .business-note {
  font-size: 0.85rem;
  color: #666;
  margin-top: 0.75em;
  line-height: 1.5;
}

.loan-amount-footnote {
  text-align: left;
  max-width: 900px;
  margin: 0 auto;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.9);
  line-height: 1.6;
  position: relative;
  font-weight: 500;
}

/* ---- SECTION 4: LOAN CATEGORIES ---- */
.loan-categories-section {
  padding: 5em 0 4em;
  background: linear-gradient(135deg, #ffffff 0%, #f0f7fb 100%);
  position: relative;
}

.loan-categories-section h2 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: #1c4489;
  font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  text-align: center;
  margin-bottom: 0.3em;
}

.loan-categories-section .subtitle {
  text-align: center;
  color: #444;
  font-size: 1.05rem;
  font-style: italic;
  margin-bottom: 3em;
  font-weight: 600;
}

.category-cards {
  display: flex;
  gap: 2em;
  flex-wrap: wrap;
  justify-content: center;
}

.category-card {
  flex: 1;
  max-width: 340px;
  min-width: 280px;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 16px;
  padding: 0;
  overflow: hidden;
  position: relative;
  box-shadow: 0 4px 24px rgba(28, 68, 137, 0.08), 0 1px 4px rgba(0,0,0,0.04);
  transition: transform 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94), box-shadow 0.35s ease;
}

.category-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(28, 68, 137, 0.15), 0 4px 12px rgba(0,0,0,0.06);
}

.category-card::before {
  content: '';
  display: block;
  height: 5px;
  width: 100%;
  background: linear-gradient(90deg, #33afd9, #1c4489);
}

.category-card:nth-child(2)::before {
  background: linear-gradient(90deg, #1c4489, #33afd9, #1c4489);
}

.category-card:nth-child(3)::before {
  background: linear-gradient(90deg, #33afd9, #1c4489, #33afd9);
}

/* Personal loans card - dark blue background */
.category-card:first-child {
  background: #1c4489;
  border-color: rgba(28, 68, 137, 0.3);
}

.category-card:first-child h4,
.category-card:first-child .amount {
  color: #fff;
}

.category-card:first-child .amount {
  color: #33afd9;
}

.category-card:first-child .description {
  color: rgba(255,255,255,0.85);
}

.category-card:first-child .features li {
  color: rgba(255,255,255,0.9);
}

.category-card:first-child .features li::before {
  color: #33afd9;
}

/* Business loans card - dark purple gradient background */
.category-card:nth-child(3) {
  background: linear-gradient(135deg, #3d3570 0%, #352e61 50%, #2a2450 100%);
  border-color: rgba(53, 46, 97, 0.3);
}

.category-card:nth-child(3) h4,
.category-card:nth-child(3) .amount {
  color: #fff;
}

.category-card:nth-child(3) .amount {
  color: #33afd9;
}

.category-card:nth-child(3) .description {
  color: rgba(255,255,255,0.85);
}

.category-card:nth-child(3) .features li {
  color: rgba(255,255,255,0.9);
}

.category-card:nth-child(3) .features li::before {
  color: #33afd9;
}

.category-card:nth-child(3) .card-note {
  color: rgba(255,255,255,0.7);
}

.category-card:nth-child(3) .card-link a {
  color: #33afd9;
  border-color: #33afd9;
}

.category-card:nth-child(3) .card-link a:hover {
  color: #fff;
}

.category-card-inner {
  padding: 2em 1.8em 2.2em;
}

.category-card h4 {
  font-family: "Montserrat-Bold", sans-serif;
  color: #1c4489;
  font-size: 1.2rem;
  text-align: center;
  margin-bottom: 0.2em;
}

.category-card .amount {
  text-align: center;
  color: #33afd9;
  font-family: "Montserrat-Bold", sans-serif;
  font-size: 1rem;
  margin-bottom: 0.75em;
}

.category-card .description {
  text-align: center;
  font-style: italic;
  color: #333;
  font-size: 0.92rem;
  margin-bottom: 1.2em;
  line-height: 1.5;
  padding-bottom: 1em;
  position: relative;
  font-weight: 600;
}

.category-card .description::after {
  content: '';
  display: block;
  width: 50px;
  height: 2px;
  background: linear-gradient(90deg, #33afd9, #1c4489);
  margin: 1em auto 0;
  border-radius: 2px;
  opacity: 0.5;
  transition: width 0.35s ease, opacity 0.35s ease;
}

.category-card:hover .description::after {
  width: 80px;
  opacity: 1;
}

.category-card .features {
  list-style: none;
  padding: 0;
  margin: 0;
}

.category-card .features li {
  padding: 0.4em 0;
  font-size: 0.92rem;
  color: #333;
  line-height: 1.4;
}

.category-card .features li::before {
  content: "+ ";
  color: #33afd9;
  font-weight: 700;
}

.category-card .card-note {
  font-size: 0.85rem;
  color: #555;
  font-style: italic;
  font-weight: 600;
  margin-top: 1em;
}

.category-card .card-link {
  display: block;
  text-align: center;
  margin-top: 1.5em;
}

.category-card .card-link a {
  color: #1c4489;
  font-family: "Montserrat-Bold", sans-serif;
  text-decoration: none;
  font-size: 0.95rem;
  border-bottom: 2px solid #33afd9;
  padding-bottom: 3px;
  transition: color 0.3s, border-color 0.3s;
}

.category-card .card-link a:hover {
  color: #33afd9;
  border-color: #1c4489;
}

/* Apply CTA Box */
.apply-cta-box {
  max-width: 700px;
  margin: 3em auto 0;
  background: linear-gradient(135deg, #1c4489 0%, #0f2a5c 100%);
  border-radius: 16px;
  padding: 2.5em 3em;
  text-align: center;
  box-shadow: 0 8px 32px rgba(28, 68, 137, 0.25);
  border: 1px solid rgba(51, 175, 217, 0.3);
}

.apply-cta-box h3 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  color: #fff;
  font-size: clamp(1.3rem, 2vw, 1.7rem);
  margin-bottom: 0.5em;
}

.apply-cta-box p {
  color: rgba(255,255,255,0.85);
  font-size: 1.05rem;
  margin-bottom: 1.5em;
  line-height: 1.6;
}

.apply-cta-button {
  display: inline-block;
  color: #1c4489;
  background: #fff;
  font-family: "Montserrat-Bold", sans-serif;
  font-size: 1.1rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  text-decoration: none;
  padding: 1em 3em;
  border-radius: 8px;
  transition: all 0.3s ease;
  box-shadow: 0 4px 15px rgba(0,0,0,0.2);
}

.apply-cta-button:hover {
  background: #33afd9;
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(51, 175, 217, 0.4);
}

/* ---- SECTION 5: INSTRUCTIONAL VIDEOS ---- */
.videos-section {
  padding: 5em 0 4em;
  background: #ffffff;
  position: relative;
  overflow: hidden;
}

.videos-section::before {
  content: '';
  position: absolute;
  bottom: -40%;
  left: -15%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(51,175,217,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.videos-section h2 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: #1c4489;
  font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  text-align: center;
  margin-bottom: 2em;
  position: relative;
}

.video-grid {
  display: flex;
  gap: 2em;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
}

.video-card {
  flex: 1;
  max-width: 540px;
  min-width: 300px;
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 16px;
  padding: 0;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(28, 68, 137, 0.08), 0 1px 4px rgba(0,0,0,0.04);
  transition: transform 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94), box-shadow 0.35s ease;
}

.video-card::before {
  content: '';
  display: block;
  height: 5px;
  width: 100%;
  background: linear-gradient(90deg, #33afd9, #1c4489);
}

.video-card:nth-child(2)::before {
  background: linear-gradient(90deg, #1c4489, #33afd9, #1c4489);
}

.video-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(28, 68, 137, 0.15), 0 4px 12px rgba(0,0,0,0.06);
}

.video-card h4 {
  font-family: "Montserrat-Bold", sans-serif;
  color: #1c4489;
  text-align: center;
  margin: 0.8em 0 0.6em;
  font-size: 1.1rem;
  padding: 0;
}

.video-card .video-embed {
  position: relative;
  padding-bottom: 56.25%;
  height: 0;
  overflow: hidden;
  border-radius: 0 0 16px 16px;
}

.video-card .video-embed iframe {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  border: none;
}

.video-thumbnail {
  position: relative;
  border-radius: 0 0 16px 16px;
  overflow: hidden;
}

.video-thumbnail a {
  display: block;
  position: relative;
}

.video-thumbnail img {
  width: 100%;
  height: auto;
  display: block;
  transition: transform 0.3s ease;
}

.video-thumbnail:hover img {
  transform: scale(1.05);
}

.video-thumbnail .play-button {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 70px;
  height: 70px;
  background: #029781;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.3s ease, transform 0.3s ease;
}

.video-thumbnail:hover .play-button {
  background: #027a68;
  transform: translate(-50%, -50%) scale(1.1);
}

.video-thumbnail .play-button i {
  color: #fff;
  font-size: 1.5rem;
  margin-left: 4px;
}

/* ---- Section Divider ---- */
.section-divider {
  height: 3px;
  background: linear-gradient(90deg, transparent, #33afd9, transparent);
  max-width: 80%;
  margin: 0 auto;
}

/* ---- SECTION 6: GIVE BACK ---- */
.give-back-section {
  padding: 5em 0 4em;
  background: linear-gradient(135deg, #ffffff 0%, #f0f7fb 100%);
  position: relative;
}

.give-back-section h2 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: #1c4489;
  font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  text-align: center;
  margin-bottom: 0.3em;
}

.give-back-section > .container > p {
  text-align: center;
  color: #555;
  font-size: 1.05rem;
  margin-bottom: 3em;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.6;
}

.give-back-cards {
  display: flex;
  gap: 2em;
  flex-wrap: wrap;
  justify-content: center;
  align-items: stretch;
}

.give-back-card {
  flex: 1;
  max-width: 340px;
  min-width: 260px;
  text-align: center;
  padding: 0;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: 16px;
  overflow: hidden;
  position: relative;
  box-shadow: 0 4px 24px rgba(28, 68, 137, 0.08), 0 1px 4px rgba(0,0,0,0.04);
  transition: transform 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94), box-shadow 0.35s ease;
}

.give-back-card::before {
  content: '';
  display: block;
  height: 5px;
  width: 100%;
  background: linear-gradient(90deg, #33afd9, #1c4489);
}

.give-back-card:nth-child(2)::before {
  background: linear-gradient(90deg, #1c4489, #33afd9, #1c4489);
}

.give-back-card:nth-child(3)::before {
  background: linear-gradient(90deg, #33afd9, #4fc3e8, #33afd9);
}

.give-back-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 40px rgba(28, 68, 137, 0.15), 0 4px 12px rgba(0,0,0,0.06);
}

.give-back-card-inner {
  padding: 2.2em 1.8em 2em;
  display: flex;
  flex-direction: column;
  height: 100%;
}

.give-back-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, #eaf4f9, #d6ecf5);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1em;
  transition: background 0.3s ease, transform 0.3s ease;
}

.give-back-card:hover .give-back-icon {
  background: linear-gradient(135deg, #33afd9, #1c4489);
  transform: scale(1.08);
}

.give-back-icon i {
  font-size: 1.4rem;
  color: #1c4489;
  transition: color 0.3s ease;
}

.give-back-card:hover .give-back-icon i {
  color: #fff;
}

.give-back-card-inner p {
  flex: 1;
}

.give-back-card h4 {
  font-family: "Montserrat-Bold", sans-serif;
  color: #1c4489;
  font-size: 1.15rem;
  margin-bottom: 0.2em;
  line-height: 1.3;
}

.give-back-card .card-subtitle {
  font-family: "Montserrat-Bold", sans-serif;
  color: #1c4489;
  font-size: 1.15rem;
  margin-bottom: 1em;
}

.give-back-card .card-divider {
  width: 40px;
  height: 2px;
  background: linear-gradient(90deg, #33afd9, #1c4489);
  margin: 0 auto 1.2em;
  border-radius: 2px;
  opacity: 0.5;
  transition: width 0.35s ease, opacity 0.35s ease;
}

.give-back-card:hover .card-divider {
  width: 70px;
  opacity: 1;
}

.give-back-card p {
  color: #555;
  font-size: 0.92rem;
  line-height: 1.6;
  margin-bottom: 1.5em;
}

.give-back-card .card-action {
  display: inline-block;
  color: #fff;
  background: linear-gradient(135deg, #33afd9, #1c4489);
  font-family: "Montserrat-Bold", sans-serif;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  text-decoration: none;
  padding: 0.7em 1.8em;
  border-radius: 6px;
  transition: opacity 0.3s ease, transform 0.3s ease;
}

.give-back-card .card-action:hover {
  opacity: 0.9;
  transform: translateY(-2px);
  color: #fff;
}

/* ---- SECTION 7: TESTIMONIALS ---- */
.testimonials-section {
  padding: 4em 0;
  background: linear-gradient(rgba(28, 68, 137, 0.85), rgba(28, 68, 137, 0.85)), url("/images/arrow-background.png") center center / cover no-repeat;
  background-color: #1c4489;
  color: #fff;
  position: relative;
}

.testimonials-section h2 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  letter-spacing: 0.01em;
  font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  text-align: center;
  margin-bottom: 0.3em;
  color: #fff;
}

.full-circle-intro {
  text-align: center;
  color: rgba(255,255,255,0.75);
  font-size: 0.95rem;
  font-weight: 500;
  font-style: italic;
  max-width: 650px;
  margin: 0 auto 2.5em;
  line-height: 1.5;
}

.testimonial-slider {
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
  position: relative;
  min-height: 180px;
}

.testimonial-item {
  display: none;
  padding: 0 2em;
}

.testimonial-item.active {
  display: block;
}

.testimonial-item blockquote {
  font-size: 1.15rem;
  line-height: 1.7;
  font-style: italic;
  font-weight: 700;
  margin-bottom: 1em;
  color: #fff;
  text-shadow: 0 1px 2px rgba(0,0,0,0.2);
}

.testimonial-item .testimonial-author {
  font-family: "Montserrat-Bold", sans-serif;
  font-size: 1rem;
  color: #33afd9;
}

.testimonial-dots {
  display: flex;
  justify-content: center;
  gap: 0.5em;
  margin-top: 2em;
}

.testimonial-dots .dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(255,255,255,0.3);
  cursor: pointer;
  border: none;
  padding: 0;
  transition: background 0.3s;
}

.testimonial-dots .dot.active {
  background: #33afd9;
}

/* ---- CTA SECTION ---- */
.demo-cta-section {
  background: url("/images/HFLA-bckgrd.png");
  position: relative;
  color: #fff;
  text-align: center;
  padding: 3em 0;
}

.demo-cta-section::after {
  background: #1c4489;
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  content: '';
  opacity: 0.92;
  z-index: 0;
}

.demo-cta-section .container {
  position: relative;
  z-index: 1;
}

.demo-cta-section h2 {
  font-family: "GothamBook", "Montserrat", sans-serif;
  font-weight: 600;
  letter-spacing: 0.01em;
  font-size: clamp(1.3rem, 2vw, 1.75rem);
  margin-bottom: 1em;
  line-height: 1.4;
}

/* ---- RESPONSIVE ---- */
@media (max-width: 991px) {
  .loan-banner-grid {
    flex-direction: column;
    min-height: auto;
  }

  .loan-banner-text {
    max-width: 100%;
    text-align: center;
    padding: 2em 1em;
  }

  .loan-banner-text p {
    max-width: 100%;
    margin: 0 auto;
  }

  .loan-banner .container {
    padding-left: 0;
    padding-right: 0;
  }

  .loan-banner-images {
    position: relative;
    right: auto;
    top: auto;
    left: auto;
    transform: none;
    width: 100%;
    max-width: none;
    height: 300px;
    border-radius: 0;
    margin: 0;
  }

  .loan-banner-grid {
    position: static;
  }

  .loan-banner-text {
    padding-left: 15px;
    padding-right: 15px;
  }

  .eligibility-grid {
    flex-direction: column;
    gap: 2em;
  }

  .eligibility-left,
  .eligibility-right {
    max-width: 100%;
  }

  .eligibility-buttons {
    justify-content: center;
  }

  .loan-cards {
    flex-direction: column;
    align-items: center;
    gap: 1.5em;
  }

  .loan-card {
    max-width: 420px;
    width: 100%;
  }

  .loan-card:hover {
    transform: translateY(-4px);
  }

  .category-cards {
    flex-direction: column;
    align-items: center;
  }

  .category-card {
    max-width: 500px;
    width: 100%;
  }

  .category-card:hover {
    transform: translateY(-4px);
  }

  .video-grid {
    flex-direction: column;
    align-items: center;
  }

  .video-card {
    max-width: 100%;
    width: 100%;
  }

  .give-back-cards {
    flex-direction: column;
    align-items: center;
  }

  .give-back-card {
    max-width: 500px;
    width: 100%;
  }

  .give-back-card:hover,
  .video-card:hover {
    transform: translateY(-4px);
  }

  .process-step:hover {
    transform: translateY(-2px);
  }
}

@media (max-width: 576px) {
  .loan-banner-text h2 {
    font-size: 1.6rem;
  }

  .loan-banner-images {
    height: 220px;
  }

  .apply-cta-box {
    padding: 1.5em 1.2em;
  }

  .apply-cta-button {
    padding: 0.8em 2em;
    font-size: 1rem;
  }

  .process-step {
    flex-direction: column;
    gap: 0.5em;
  }

  .process-step-number {
    font-size: 1.5rem;
  }

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

  .eligibility-buttons .btn-apply,
  .eligibility-buttons .btn-instructions {
    width: 100%;
    text-align: center;
  }

  .testimonial-item blockquote {
    font-size: 1rem;
  }
}