/* ============================================================
   GLOBAL RESET & BASE STYLES
============================================================ */
* {
    box-sizing: border-box;
    padding: 0;
    margin: 0;
}

body {
    font-family: Arial, sans-serif;
    background: #ffffff;
    color: #222;
    line-height: 1.6;
}

img {
    max-width: 100%;
    display: block;
}

.center-wrapper {
    width: 100%;
    max-width: 1150px;
    margin: auto;
    padding: 0 15px;
}

/* ============================================================
   HEADER + NAVIGATION
============================================================ */
.site-header {
    width: 100%;
    background: #b30000;
    padding: 12px 0;
}

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

.header-logo img {
    width: 165px;
}

.nav-button {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
}

.nav-button img {
    width: 30px;
    filter: invert(100%);
}

/* DESKTOP NAV */
.primary-nav {
    background: #b30000;
    width: 100%;
}

.primary-nav ul {
    max-width: 1150px;
    margin: auto;
    padding: 0;
    list-style: none;
    display: flex;
    justify-content: center;
    gap: 30px;
}

.primary-nav ul li a {
    text-decoration: none;
    color: white;
    padding: 12px 0;
    font-size: 16px;
    font-weight: bold;
    display: block;
    transition: 0.25s ease;
}

.primary-nav ul li a:hover {
    color: #ffdddd;
}

/* MOBILE NAV */
@media(max-width: 900px) {

    .nav-button {
        display: block;
    }

    .primary-nav ul {
        display: none;
        flex-direction: column;
        width: 100%;
        background: #8a0000;
        text-align: center;
    }

    .primary-nav ul.show {
        display: flex;
    }

    .primary-nav ul li a {
        padding: 15px;
        font-size: 18px;
        border-bottom: 1px solid #ffffff22;
    }
}

/* ============================================================
   HERO SECTION
============================================================ */
.hero-box {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 35px 0;
    gap: 30px;
}

.hero-text {
    width: 55%;
}

.hero-text h1 {
    font-size: 34px;
    font-weight: bold;
    color: #111;
    line-height: 1.3;
    margin-bottom: 10px;
}

.hero-text p {
    font-size: 18px;
    margin-bottom: 15px;
}

.cta-btn {
    background: #cc0000;
    padding: 12px 28px;
    color: white;
    border-radius: 4px;
    text-decoration: none;
    font-size: 17px;
    font-weight: bold;
    transition: 0.25s ease;
    display: inline-block;
}

.cta-btn:hover {
    background: #a50000;
}

.hero-img {
    width: 45%;
}

/* MOBILE HERO */
@media(max-width: 900px) {
    .hero-box {
        flex-direction: column;
        text-align: center;
    }
    .hero-text,
    .hero-img {
        width: 100%;
    }
}

/* ============================================================
   STEPS BAR
============================================================ */
.steps-bar {
    background: #03343d;
    color: white;
    padding: 18px 0;
    margin-top: 10px;
}

.steps-bar-inner {
    display: flex;
    justify-content: space-between;
    text-align: center;
}

.steps-bar-inner div {
    width: 33%;
    font-size: 17px;
    line-height: 1.4;
}

@media(max-width: 900px) {
    .steps-bar-inner {
        flex-direction: column;
        gap: 10px;
    }
    .steps-bar-inner div {
        width: 100%;
    }
}

/* ============================================================
   APPLICATION FORM
============================================================ */
.application-box {
    background: #f4f4f4;
    padding: 35px;
    border-radius: 8px;
    margin-top: 35px;
}

.application-box h2 {
    color: #cc0000;
    margin-bottom: 20px;
    font-size: 26px;
}

.app-row {
    display: flex;
    gap: 15px;
    margin-bottom: 15px;
}

.app-row input,
.app-row select {
    width: 100%;
    padding: 12px;
    font-size: 16px;
    border: 1px solid #bbb;
    border-radius: 4px;
}

@media(max-width: 850px) {
    .app-row {
        flex-direction: column;
    }
}

/* ============================================================
   SEO CONTENT AREA
============================================================ */
.full-content {
    margin-top: 50px;
    line-height: 1.8;
    font-size: 17px;
}

.full-content h2 {
    color: #cc0000;
    margin-bottom: 15px;
    font-size: 26px;
}

/* ============================================================
   PREMIUM INTERNAL LINKS GRID
============================================================ */
.loan-links-section {
    margin-top: 60px;
    padding-bottom: 40px;
}

.loan-links-section h2 {
    text-align: center;
    color: #cc0000;
    margin-bottom: 10px;
    font-size: 28px;
}

.loan-links-section .intro-text {
    text-align: center;
    max-width: 800px;
    margin: 12px auto 30px;
    font-size: 17px;
    line-height: 1.7;
}

.loan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
}

.loan-card {
    background: #ffffff;
    border: 1px solid #ddd;
    padding: 22px;
    border-radius: 10px;
    text-decoration: none;
    color: #222;
    transition: 0.25s ease;
    box-shadow: 0px 2px 8px rgba(0,0,0,0.08);
}

.loan-card:hover {
    border-color: #cc0000;
    transform: translateY(-4px);
    box-shadow: 0px 6px 16px rgba(204,0,0,0.3);
}

.loan-card h3 {
    color: #cc0000;
    margin: 10px 0 8px;
    font-size: 20px;
}

.loan-card p {
    font-size: 15px;
    opacity: 0.85;
}

.loan-icon {
    font-size: 34px;
}

/* GRID BREAKPOINTS */
@media(max-width: 900px) {
    .loan-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media(max-width: 600px) {
    .loan-grid {
        grid-template-columns: 1fr;
    }
}

/* ============================================================
   FAQ SECTION
============================================================ */
.faq-box {
    margin-top: 60px;
}

.faq-box h2 {
    color: #cc0000;
    font-size: 28px;
    margin-bottom: 20px;
}

details {
    background: #f7f7f7;
    padding: 15px;
    border-radius: 6px;
    margin-bottom: 12px;
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(0,0,0,0.04);
    transition: 0.3s ease;
}

details[open] {
    background: #fffaf6;
    border-left: 3px solid #cc0000;
}

summary {
    font-size: 18px;
    font-weight: bold;
    outline: none;
}

details p {
    margin-top: 10px;
    padding-left: 5px;
    font-size: 16px;
}

/* ============================================================
   PREMIUM FOOTER
============================================================ */
.premium-footer {
    background: #b30000;
    color: white;
    padding: 40px 0 20px;
    margin-top: 60px;
    text-align: center;
}

.footer-map {
    margin-bottom: 20px;
}

.footer-text {
    max-width: 850px;
    margin: 10px auto;
    line-height: 1.7;
    font-size: 15px;
}

.footer-business p {
    margin: 8px 0 5px;
    font-size: 16px;
}

.footer-copy {
    margin-top: 20px;
    font-size: 14px;
    opacity: 0.8;
}