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

html {
    scroll-behavior: smooth;
}

@import url('https://api.fontshare.com/v2/css?f[]=general-sans@200,400,500,600,700&display=swap');

.menu-header {
    background: #F4F4F5;
    padding: 20px 20px;
    box-shadow: 0 2px 4px rgba(0,0,0,0.05);
}

.menu-header,
.menu-nav,
.menu-link,
.menu-btn, h1, p, h2, h3, span, .payment-summary-row, th, td, .faq-question, .faq-answer, li, div {
    font-family: 'General Sans Variable', sans-serif;
}

.menu-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    max-width: 1200px;
    margin: 0 auto;
    width: 100%;
}

.menu-logo img {
    height: 40px;
}

.menu-nav {
    display: flex;
    gap: 20px;
}

.menu-link {
    text-decoration: none;
    color: #333;
    font-size: 14px;
}

.menu-buttons {
    display: flex;
    gap: 10px;
}

.menu-btn {
    padding: 8px 16px;
    font-size: 14px;
    border: 1px solid #218058;
    border-radius: 20px;
    cursor: pointer;
    background: none;
    transition: 0.3s;
}

.menu-login {
    color: #218058;
    background-color: #F3FFF6;
}

.menu-apply {
    color: white;
    background-color: #37824F;
    border-color: #37824F;
}

.menu-btn:hover {
    opacity: 0.9;
}

.menu-toggle {
    display: none;
    font-size: 24px;
    cursor: pointer;
}

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

/* Responsive */
@media (max-width: 768px) {
    .menu-container {
        flex-direction: column;
        align-items: flex-start;
    }

    .menu-header {
        padding: 16px;
    }

    .menu-container-top {
        width: 100%;
        display: flex;
        justify-content: space-between;
        align-items: center;
    }

    .menu-toggle {
        display: block;
        margin-left: auto;
    }

    .menu-nav {
        display: none;
        flex-direction: column;
        width: 100%;
        padding-top: 10px;
    }

        .menu-nav.menu-show {
            display: flex;
        }

    .menu-buttons {
        display: none;
    }

    .menu-mobile-buttons {
        display: flex;
        flex-direction: column;
        gap: 10px;
        padding-top: 10px;
    }
}

.light-btn {
    background: #F3FFF6;
}

.dark-btn {
    background-color: #37824F;
}

.home-hero-section {
    position: relative;
    padding: 170px 20px;
    background-color: #fff;
    overflow: hidden;
}

.home-hero-line {
    position: absolute;
    top: -22px;
    right: 0;
    width: 90%;
    height: auto;
    z-index: 0;
    object-fit: contain;
    pointer-events: none;
}

.home-hero-container {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 2;
}

.home-hero-content {
    flex: 1 1 500px;
}

.home-hero-heading {
    font-size: 36px;
    font-weight: 700;
    color: #000;
    line-height: 1.3;
    margin-bottom: 20px;
}

    .home-hero-heading span {
        color: #218058;
    }

.home-hero-subtext {
    font-size: 16px;
    color: #555;
    max-width: 500px;
    margin-bottom: 30px;
}

.home-hero-buttons {
    display: flex;
    gap: 15px;
}

.home-hero-btn {
    padding: 12px 24px;
    border-radius: 30px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    border: 1px solid transparent;
    transition: 0.3s;
    text-decoration: none;
}

.home-hero-apply {
    color: white;
    border-color: #218058;
}

.home-hero-login {
    color: #218058;
    border: 1px solid #218058;
}

.home-hero-btn:hover {
    opacity: 0.9;
}

.home-hero-visuals {
    flex: 1 1 500px;
    display: flex;
    justify-content: center;
    align-items: flex-start;
    position: relative; /* Ensure the card positions within this */
    height: 300px; /* Optional: controls height space */
}

.home-hero-card {
    position: absolute;
    bottom: -240px;
    width: 110%;
    max-width: 550px;
    z-index: 3;
}

/* Responsive */
@media (max-width: 768px) {
    .home-hero-container {
        flex-direction: column;
        align-items: flex-start;
        gap: 40px;
    }

    .home-hero-section {
        padding: 30px 20px 100px 20px;
    }

    .home-hero-content {
        flex: 1 1 30px;
    }

    .home-hero-heading {
        font-size: 24px;
        line-height: 1.4;
    }

    .home-hero-subtext {
        font-size: 15px;
    }

    .home-hero-buttons {
        flex-direction: column;
        width: 100%;
        gap: 12px;
    }

    .home-hero-btn {
        width: 100%;
        text-align: center;
        text-decoration:none;
    }

    .home-hero-line {
        width: 140%;
        max-height: 160px;
        right: -40px;
        top: 0;
        display: none;
    }

    .home-hero-visuals {
        width: 100%;
        height: 220px;
        justify-content: center;
        align-items: flex-end;
        flex: 1 1 151px;
    }

    .home-hero-card {
        position: absolute;
        bottom: -160px;
        width: 90%;
        max-width: 350px;
    }
}

.step-section {
    background-color: #f7f7f8;
    padding: 60px 20px;
    text-align: center;
}

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

.step-heading {
    font-size: 28px;
    font-weight: 700;
    color: #1e1e1e;
    margin-bottom: 40px;
    line-height: 1.4;
}

    .step-heading span {
        color: #218058;
    }

.step-grid {
    display: flex;
    gap: 20px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 40px;
}

.step-card {
    background: #fff;
    border-radius: 16px;
    padding: 24px 20px;
    flex: 1 1 260px;
    max-width: 300px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.04);
    text-align: left;
}

.step-icon {
    width: 40px;
    height: 40px;
    background-color: #e6f1eb;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
}

    .step-icon img {
        width: 45px;
        height: 45px;
    }

.step-title {
    font-size: 18px;
    font-weight: 600;
    margin-bottom: 10px;
    color: #1e1e1e;
}

.step-description {
    font-size: 14px;
    color: #666;
    line-height: 1.5;
}

.step-cta {
    text-align: center;
}

.step-btn {
    background-color: #218058;
    color: white;
    padding: 12px 28px;
    border-radius: 30px;
    font-size: 14px;
    font-weight: 600;
    border: none;
    cursor: pointer;
    transition: 0.3s;
    text-decoration: none;
}

    .step-btn:hover {
        opacity: 0.9;
    }

/* Responsive */
@media (max-width: 768px) {
    .step-heading {
        font-size: 22px;
    }

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

    .step-card {
        width: 100%;
        max-width: 90%;
    }

    .step-btn {
        width: 100%;
        max-width: 220px;
    }
}


.payment-section {
    position: relative;
    background-color: #1e3d2f;
    padding: 80px 20px;
    overflow: hidden;
    color: #fff;
}

.payment-bg-line {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    z-index: 0;
    pointer-events: none;
}

.payment-container {
    position: relative;
    z-index: 2;
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 40px;
    flex-wrap: wrap;
}

.payment-text {
    flex: 1 1 450px;
}

.payment-heading {
    font-size: 28px;
    font-weight: 700;
    line-height: 1.4;
    margin-bottom: 20px;
    color: #fff;
}

.payment-subtext {
    font-size: 14px;
    color: #d0d0d0;
}

.payment-card {
    flex: 1 1 500px;
    background-color: #f7f7f7;
    border-radius: 20px;
    padding: 24px;
    color: #1e1e1e;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.06);
}

.payment-card-title {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 20px;
    color: #23442E;
}

.payment-summary {
    display: grid;
    grid-template-columns: repeat(4, 1fr); /* 👈 Now 4 equal columns in 1 row */
    background: #fff;
    border: 1px solid #e0f2e9;
    border-radius: 12px;
    padding: 16px 20px;
    gap: 20px;
    margin-bottom: 24px;
}

.payment-summary-row {
    font-size: 14px;
    color: #333;
    text-align: center;
}

    .payment-summary-row span {
        display: block;
        margin-bottom: 4px;
        font-weight: 500;
        color: black;
    }

.payment-schedule-label {
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 600;
    font-size: 15px;
    margin-bottom: 10px;
    color: #1e1e1e;
}

    .payment-schedule-label img {
        width: 16px;
        height: 16px;
    }

.payment-table-wrapper {
    background: #fff;
    border: 1px solid #e0f2e9;
    border-radius: 12px;
    overflow: hidden;
}

.payment-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14px;
}

    .payment-table th,
    .payment-table td {
        padding: 4px 12px;
        text-align: left;
        border-bottom: 1px solid #eee;
    }

    .payment-table thead {
        background: #f0f0f0;
        font-weight: 600;
    }

.payment-cta {
    margin-top: 24px;
    text-align: center;
}

.payment-btn {
    background-color: #218058;
    color: white;
    padding: 12px 32px;
    font-size: 15px;
    font-weight: 600;
    border: none;
    border-radius: 32px;
    cursor: pointer;
    transition: 0.3s;
    text-decoration: none;
}

    .payment-btn:hover {
        opacity: 0.9;
    }

/* Responsive */
@media (max-width: 768px) {
    .payment-container {
        flex-direction: column;
        align-items: flex-start;
    }

    .payment-heading {
        font-size: 22px;
    }

    .payment-card {
        width: 100%;
        margin-top: 30px;
    }

    .payment-summary {
        flex-direction: column;
    }

    .payment-summary-row {
        flex: 1 1 100%;
    }

    .payment-btn {
        width: 100%;
    }

    .payment-text {
        flex: 1 1 20px;
    }
}

.features-section {
    padding: 60px 20px;
    background: #fff;
}

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

.features-heading {
    text-align: center;
    font-size: 28px;
    font-weight: 700;
    color: #1e1e1e;
    margin-bottom: 40px;
}

    .features-heading span {
        color: #2e6740;
    }

/* ✅ Full-width first row box */
.features-box-full {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: #f8f8f8;
    border-radius: 16px;
    padding: 30px;
    flex-wrap: wrap;
    gap: 30px;
    margin-bottom: 40px;
}

.features-box-content {
    flex: 1 1 500px;
}

.features-box-image {
    flex: 1 1 400px;
}

    .features-box-image img {
        width: 100%;
        border-radius: 12px;
    }

/* Generic shared box styles */
.features-box,
.features-card {
    background: #F4F4F5;
    border-radius: 16px;
    padding: 24px;
}

.features-title {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 12px;
}

.features-text {
    font-size: 14px;
    margin-bottom: 16px;
    color: #333;
}

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

.features-list-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
    font-size: 14px;
    color: #333;
}

    .features-list-item img {
        width: 20px;
        height: 20px;
        flex-shrink: 0;
        margin-top: 2px;
    }

.features-icon img {
    width: 45px;
    height: 45px;
    margin-bottom: 10px;
}

.features-list {
    list-style: none;
    padding-left: 0;
    font-size: 14px;
    color: #444;
}

    .features-list li {
        margin-bottom: 6px;
    }

.features-cta {
    margin-top: 20px;
    padding: 12px 28px;
    border-radius: 30px;
    background: #218058;
    color: white;
    font-weight: 600;
    border: none;
    cursor: pointer;
}

.features-bottom-row {
    display: flex;
    flex-wrap: wrap;
    gap: 30px;
}

.features-card {
    flex: 1 1 500px;
}

.features-card-image {
    width: 100%;
    margin-top: 20px;
    border-radius: 12px;
}

.features-btn-secondary {
    margin-top: 16px;
    background: #218058;
    color: white;
    border: none;
    border-radius: 30px;
    padding: 10px 24px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: none;
}

/* ✅ Mobile responsive layout */
@media (max-width: 768px) {
    .features-heading {
        font-size: 22px;
    }

    .features-box-full {
        flex-direction: column;
        padding: 20px;
    }

    .features-box-content,
    .features-box-image {
        width: 100%;
    }

    .features-bottom-row {
        flex-direction: column;
    }

    .features-btn-secondary,
    .features-cta {
        width: 100%;
        text-align: center;
    }

    .features-card, .features-box-content, .features-box-image {
        flex: 1 1 50px;
    }
}





.faq-section {
    padding: 60px 20px;
    background-color: #fff;
}

.faq-container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    flex-wrap: wrap;
    gap: 40px;
}

.faq-intro {
    flex: 1 1 400px;
}

.faq-heading {
    font-size: 28px;
    font-weight: 700;
    color: #1e1e1e;
    margin-bottom: 10px;
}

.faq-subheading {
    font-size: 24px;
    font-weight: 700;
    color: #2e6740;
    margin-bottom: 20px;
}

.faq-text {
    font-size: 14px;
    color: #555;
    max-width: 420px;
}

.faq-accordion {
    flex: 1 1 600px;
    display: flex;
    flex-direction: column;
    gap: 0;
}

.faq-item {
    border-bottom: 1px solid #e2e2e2;
    padding: 25px 0;
    cursor: pointer;
    transition: background 0.2s ease;
}

    .faq-item:hover {
        background: #f9f9f9;
    }

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 16px;
    font-weight: 600;
    color: black;
}

.faq-chevron {
    display: inline-block;
    width: 10px;
    height: 10px;
    border-right: 2px solid #000;
    border-bottom: 2px solid #000;
    transform: rotate(45deg);
    transition: transform 0.3s ease;
    margin-left: 8px;
}

.faq-item.active .faq-chevron {
    transform: rotate(-135deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    transition: max-height 0.4s ease, opacity 0.4s ease;
    font-size: 14px;
    color: #333;
    margin-top: 0;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    opacity: 1;
    margin-top: 10px;
}

/* Mobile */
@media (max-width: 768px) {
    .faq-container {
        flex-direction: column;
    }

    .faq-heading {
        font-size: 24px;
    }

    .faq-subheading {
        font-size: 20px;
    }

    .faq-intro {
        flex: 1 1 50px;
    }

    .faq-accordion {
        flex: 1 1 60px;
    }
}



.footer-section {
    background-color: #23442E;
    color: #dcdcdc;
    padding: 60px 20px 40px;
    font-family: 'General Sans Variable', sans-serif;
}

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

.footer-top {
    text-align: center;
    margin-bottom: 30px;
}

.footer-title {
    font-size: 18px;
    font-weight: 600;
    color: #fff;
    margin-bottom: 16px;
}

.footer-nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 20px;
    list-style: none;
    padding: 0;
    margin: 0;
}

    .footer-nav li {
        border-left: 1px solid rgba(255, 255, 255, 0.2);
        padding: 0 12px;
    }

        .footer-nav li:first-child {
            border-left: none;
        }

    .footer-nav a {
        color: #fff;
        text-decoration: none;
        font-weight: 500;
        font-size: 14px;
    }

.footer-divider {
    border: none;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
    margin: 30px 0;
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 30px;
}

.footer-left {
    flex: 1 1 600px;
}

.footer-copy {
    font-size: 14px;
    color: #d0d5dd;
    margin-bottom: 10px;
}

.footer-disclaimer {
    font-size: 12px;
    color: #a0a0ab;
    line-height: 1.5;
    margin-bottom: 10px;
}

.footer-icons {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    flex-wrap: wrap;
}

.footer-icon {
    font-size: 16px;
    color: #fff;
    background: transparent;
    border-radius: 50%;
    width: 32px;
    height: 32px;
    display: flex;
    justify-content: center;
    align-items: center;
    transition: 0.3s;
    text-decoration: none;
}

.footer-icon-img {
    width: 26px;
    height: 26px;
    object-fit: contain;
    transition: 0.3s;
    opacity: 0.8;
}

    .footer-icon-img:hover {
        opacity: 1;
    }

.footer-icon:hover {
    background-color: rgba(255, 255, 255, 0.1);
}

/* Responsive */
@media (max-width: 768px) {
    .footer-bottom {
        flex-direction: column;
    }

    .footer-nav {
        flex-direction: column;
        align-items: center;
    }

        .footer-nav li {
            border: none;
            padding: 6px 0;
        }

    .footer-icons {
        justify-content: center;
    }

    .footer-title {
        font-size: 16px;
    }

    .footer-left {
        flex: 1 1 60px;
    }
}


.how-it-work-hero-section {
    position: relative;
    background-color: #fff;
    padding: 100px 20px 60px;
    overflow: hidden;
}

.how-it-work-hero-line {
    position: absolute;
    top: 0;
    right: 0;
    width: 90%;
    z-index: 0;
    pointer-events: none;
}

.how-it-work-hero-container {
    max-width: 1200px;
    margin: 0 auto;
    text-align: center;
    position: relative;
    z-index: 1;
}

.how-it-work-hero-heading {
    font-size: 36px;
    font-weight: 700;
    color: #1e1e1e;
    line-height: 1.3;
    margin-bottom: 16px;
}

    .how-it-work-hero-heading span {
        color: #218058;
    }

.how-it-work-hero-subtext {
    color: #444;
    font-size: 16px;
    margin-bottom: 30px;
}

.how-it-work-hero-btn {
    background: #218058;
    color: #fff;
    padding: 12px 28px;
    border: none;
    border-radius: 30px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: 0.3s;
    text-decoration:none;
}

    .how-it-work-hero-btn:hover {
        opacity: 0.9;
    }

.how-it-work-hero-image {
    margin-top: 50px;
}

    .how-it-work-hero-image img {
        width: 100%;
        max-width: 1000px;
        border-radius: 12px;
        box-shadow: 0 4px 12px rgba(0,0,0,0.05);
    }

/* Responsive */
@media (max-width: 768px) {
    .how-it-work-hero-heading {
        font-size: 28px;
    }

    .how-it-work-hero-subtext {
        font-size: 15px;
    }

    .how-it-work-hero-btn {
        width: 100%;
    }

    .how-it-work-hero-image {
        margin-top: 40px;
    }

    .how-it-work-hero-line {
        display: none;
    }
}


.hiw-apply-section {
    background: #F4F4F5;
    padding: 89px 20px;
    margin-top: -309px;
    position: relative;
    z-index: 9999;
}

.hiw-apply-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    max-width: 1200px;
    margin: 0 auto;
    gap: 40px;
}

.hiw-apply-text {
    flex: 1 1 500px;
}

.hiw-apply-icon img {
    width: 40px;
    margin-bottom: 10px;
}

.hiw-apply-title {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 10px;
}

.hiw-apply-description {
    font-size: 14px;
    color: #333;
    margin-bottom: 16px;
    line-height: 1.6;
}

.hiw-apply-list {
    list-style: none;
    padding: 0;
    margin-bottom: 20px;
}

    .hiw-apply-list li {
        display: flex;
        align-items: center;
        font-size: 14px;
        margin-bottom: 10px;
        color: #222;
    }

    .hiw-apply-list img {
        width: 13px;
        margin-right: 10px;
    }

.hiw-apply-footer {
    font-size: 14px;
    color: #444;
}

.hiw-apply-image {
    flex: 1 1 500px;
    text-align: center;
}

    .hiw-apply-image img {
        max-width: 100%;
        border-radius: 12px;
    }

/* Responsive */
@media (max-width: 768px) {
    .hiw-apply-container {
        flex-direction: column;
        text-align: left;
    }

    .hiw-apply-text,
    .hiw-apply-image {
        width: 100%;
    }

    .hiw-apply-image {
        margin-top: 30px;
        flex: 1 1 50px;
    }

    .hiw-apply-text {
        flex: 1 1 50px;
    }

    .hiw-apply-section {
        margin-top: 0px;
    }
}

.hiw-approve-section {
    padding: 80px 20px;
    background: #fff;
}

.hiw-approve-container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 40px;
}

.hiw-approve-image {
    flex: 1 1 500px;
    text-align: left;
}

    .hiw-approve-image img {
        width: 100%;
        max-width: 550px;
        border-radius: 12px;
    }

.hiw-approve-content {
    flex: 1 1 400px;
}

.hiw-approve-icon img {
    width: 40px;
    height: 40px;
    margin-bottom: 10px;
}

.hiw-approve-title {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 10px;
    color: #111;
}

.hiw-approve-description {
    font-size: 14px;
    color: #333;
    margin-bottom: 10px;
}

.hiw-approve-text {
    font-size: 14px;
    color: #444;
    margin-bottom: 6px;
    line-height: 1.5;
}

/* Responsive */
@media (max-width: 768px) {
    .hiw-approve-container {
        flex-direction: column;
        align-items: flex-start;
    }

    /* Make text come first on mobile */
    .hiw-approve-content {
        order: 1;
        width: 100%;
    }

    .hiw-approve-image {
        order: 2;
        width: 100%;
        margin-top: 20px; /* spacing after text */
    }

    .hiw-approve-content {
        flex: 1 1 40px;
    }

    .hiw-approve-image {
        flex: 1 1 50px;
    }
}

.hiw-receive-section {
    background: #F4F4F5;
    padding: 80px 20px;
}

.hiw-receive-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 40px;
    flex-wrap: wrap;
    max-width: 1200px;
    margin: 0 auto;
}

.hiw-receive-content {
    flex: 1 1 500px;
}

.hiw-receive-icon img {
    width: 40px;
    margin-bottom: 10px;
}

.hiw-receive-title {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 10px;
}

.hiw-receive-description {
    font-size: 14px;
    color: #333;
    margin-bottom: 16px;
}

.hiw-receive-list {
    list-style: none;
    padding: 0;
    margin-bottom: 20px;
}

    .hiw-receive-list li {
        display: flex;
        align-items: center;
        font-size: 14px;
        margin-bottom: 10px;
        color: #222;
    }

    .hiw-receive-list img {
        width: 13px;
        margin-right: 10px;
    }

.hiw-receive-footer {
    font-size: 14px;
    color: #444;
}

    .hiw-receive-footer a {
        font-weight: 600;
        color: #218058;
        text-decoration: none;
    }

        .hiw-receive-footer a:hover {
            text-decoration: underline;
        }

.hiw-receive-image {
    flex: 1 1 500px;
    text-align: center;
}

    .hiw-receive-image img {
        max-width: 100%;
        border-radius: 12px;
    }

/* Mobile Responsive */
@media (max-width: 768px) {
    .hiw-receive-container {
        flex-direction: column;
    }

    /* Make text appear first on mobile */
    .hiw-receive-content {
        order: 1;
        width: 100%;
        flex: 1 1 50px;
    }

    .hiw-receive-image {
        order: 2;
        width: 100%;
        margin-top: 30px;
        flex: 1 1 50px;
    }
}


.term-hero-section {
    position: relative;
    background-color: #fff;
    padding: 100px 20px 60px;
    overflow: hidden;
}

.term-hero-line {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 0;
    pointer-events: none;
}

.term-hero-container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 40px;
    position: relative;
    z-index: 1;
}

.term-hero-text {
    flex: 1 1 500px;
}

.term-hero-heading {
    font-size: 36px;
    font-weight: 700;
    color: #000;
    margin-bottom: 20px;
}

.term-hero-subtext {
    font-size: 16px;
    color: #555;
    max-width: 480px;
    margin-bottom: 30px;
    line-height: 1.5;
}

.term-hero-btn {
    background: #218058;
    color: #fff;
    padding: 12px 28px;
    border: none;
    border-radius: 30px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: 0.3s;
    text-decoration: none;
}

    .term-hero-btn:hover {
        opacity: 0.9;
    }

.term-hero-image {
    flex: 1 1 500px;
    text-align: center;
}

    .term-hero-image img {
        width: 100%;
        max-width: 600px;
        border-radius: 12px;
        box-shadow: 0 4px 12px rgba(0,0,0,0.05);
    }

/* Responsive */
@media (max-width: 768px) {
    .term-hero-container {
        flex-direction: column;
        text-align: center;
    }

    .term-hero-section {
        padding: 42px 20px 60px;
    }

    .term-hero-line {
        display: none;
    }

    .term-hero-text {
        order: 1;
        flex: 1 1 50px;
    }

    .term-hero-image {
        order: 2;
        margin-top: 30px;
        flex: 1 1 50px;
    }

    .term-hero-heading {
        font-size: 28px;
    }

    .term-hero-subtext {
        font-size: 15px;
        margin-left: auto;
        margin-right: auto;
    }

    .term-hero-btn {
        width: auto;
    }
}


.term-payment-section {
    background: #F4F4F5;
    padding: 80px 20px;
}

.term-payment-container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 90px;
}

/* Payment Table Box */
.term-payment-table-wrapper {
    background: #fff;
    border-radius: 12px;
    padding: 20px;
    flex: 1 1 500px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}

.term-payment-table-header {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 20px;
}

    .term-payment-table-header h3 {
        font-size: 18px;
        font-weight: 600;
    }

.term-payment-table-icon img {
    width: 32px;
    height: 32px;
}

/* Summary Row */
.term-payment-summary {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 15px;
    padding: 15px;
    border: 1px solid #e0f2e9;
    border-radius: 8px;
    margin-bottom: 20px;
}

    .term-payment-summary div span {
        display: block;
        font-size: 10px;
        color: black;
        margin-bottom: 4px;
    }

    .term-payment-summary div strong {
        font-size: 14px;
    }

/* Schedule Table */
.term-payment-schedule {
    border: 1px solid #e0f2e9;
    border-radius: 8px;
}

.term-payment-schedule-header,
.term-payment-schedule-row {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    padding: 6px 15px;
}

.term-payment-schedule-header {
    background: #f9f9f9;
    font-size: 12px;
    font-weight: 600;
    color: #555;
}

.term-payment-schedule-row {
    border-top: 1px solid #eee;
    font-size: 14px;
}

/* Right Content */
.term-payment-content {
    flex: 1 1 500px;
}

.term-payment-heading {
    font-size: 28px;
    font-weight: 700;
    margin-bottom: 30px;
}

.term-payment-item {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 24px;
}

.term-payment-icon img {
    width: 24px;
    height: 24px;
}

.term-payment-title {
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 6px;
}

.term-payment-description {
    font-size: 14px;
    color: #555;
    margin-bottom: 8px;
    line-height: 1.5;
}

.term-payment-contact a {
    font-weight: 600;
    color: #218058;
    text-decoration: none;
}

    .term-payment-contact a:hover {
        text-decoration: underline;
    }

/* Responsive */
@media (max-width: 768px) {
    .term-payment-container {
        flex-direction: column;
    }

    /* Show text content first on mobile */
    .term-payment-content {
        order: 1;
        width: 100%;
        flex: 1 1 50px;
    }

    /* Show table after content on mobile */
    .term-payment-table-wrapper {
        order: 2;
        width: 100%;
    }

    .term-payment-summary {
        grid-template-columns: 1fr 1fr;
    }

    .term-payment-section {
        padding: 25px 20px;
    }

    .term-payment-container {
        gap: 60px;
    }
}


.contact-section {
    background: #fff;
    padding: 80px 20px;
}

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

.contact-heading {
    font-size: 32px;
    font-weight: 700;
    margin-bottom: 8px;
}

    .contact-heading span {
        color: #218058;
    }

.contact-subtext {
    font-size: 16px;
    color: #555;
    margin-bottom: 40px;
}

.contact-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
}

.contact-card {
    background: #F4F4F5;
    border-radius: 12px;
    padding: 20px;
}

.contact-icon img {
    width: 32px;
    height: 32px;
    margin-bottom: 10px;
}

.contact-title {
    font-size: 18px;
    font-weight: 600;
    margin-bottom: 6px;
}

.contact-text {
    font-size: 14px;
    color: #555;
    margin-bottom: 6px;
}

.contact-link a {
    font-size: 14px;
    font-weight: 600;
    color: #218058;
    text-decoration: none;
}

    .contact-link a:hover {
        text-decoration: underline;
    }

.contact-address {
    font-size: 14px;
    color: #333;
}

/* Responsive */
@media (max-width: 768px) {
    .contact-grid {
        grid-template-columns: 1fr;
    }
}



/* Section inherits your site/container width – no global width changes */
.privacy-section {
    padding: 48px 0 24px;
    background: #fff;
    font-family: 'General Sans Variable', system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
    color: #0f0f0f;
    max-width: 1200px;
    margin: 0 auto;
}

/* Two-column layout: content + narrow TOC */
.privacy-grid {
    display: grid;
    grid-template-columns: 1fr 300px; /* matches screenshot proportion */
    gap: 48px;
}

/* Left column */
.privacy-title {
    font-size: 36px;
    line-height: 1.1;
    font-weight: 800;
    margin: 0 0 8px;
}

.privacy-updated {
    margin: 0 0 32px;
    font-size: 14px;
    color: #666;
}

.privacy-lead, .privacy-h2, .privacy-subheading {
    font-size: 20px;
    line-height: 1.35;
    font-weight: 700;
    margin: 0 0 28px;
}

.privacy-block {
    margin: 28px 0;
}

.privacy-block-head {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 10px;
}

    .privacy-block-head h3 {
        margin: 0;
        font-size: 18px;
        font-weight: 700;
    }

.privacy-badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

    .privacy-badge img {
        width: 30px;
        height: 30px;
        object-fit: contain;
    }

.privacy-p {
    margin: 0 0 12px;
    font-size: 14px;
    line-height: 1.65;
    color: #222;
}

.privacy-list {
    margin: 8px 0 0 16px;
    padding: 0;
    display: grid;
    gap: 8px;
    font-size: 14px;
    color: #222;
    list-style: disc;
}

/* Right column – TOC */
.privacy-toc {
    position: relative;
}

.privacy-toc-title {
    margin: 4px 0 14px;
    font-size: 20px;
    font-weight: 700;
}

.privacy-toc-list {
    list-style: decimal;
    padding-left: 18px;
    margin: 0;
    display: grid;
    gap: 14px;
}

    .privacy-toc-list a {
        color: #111;
        text-decoration: none;
        font-size: 14px;
        line-height: 1.35;
    }

        .privacy-toc-list a:hover {
            text-decoration: underline;
        }

/* Responsive – stack, TOC below content */
@media (max-width: 980px) {
    .privacy-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .privacy-title {
        font-size: 38px;
    }

    .privacy-lead {
        font-size: 22px;
    }

    .privacy-toc-title {
        font-size: 18px;
    }
}

@media (max-width: 640px) {
    .privacy-title {
        font-size: 34px;
    }

    .privacy-lead {
        font-size: 20px;
    }
}

@media (max-width: 768px) {
    .privacy-section {
        padding: 30px 20px 100px 20px;
    }
}


.privacy-reasons-wrapper {
    margin-top: 30px;
}

.privacy-reason {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    padding: 10px 0;
    border-bottom: 1px solid #eee;
}

    .privacy-reason:last-child {
        border-bottom: none;
    }

.privacy-reason-ico {
    width: 22px;
    height: 22px;
    object-fit: contain;
    margin-top: 2px;
}

.privacy-reason-title {
    margin: 0;
    font-size: 16px;
    font-weight: 600;
    color: #0f0f0f;
}

.privacy-reason-desc {
    margin: 6px 0 0;
    font-size: 14px;
    color: #333;
    line-height: 1.6;
}

@media (max-width: 640px) {
    .privacy-reason-ico {
        width: 20px;
        height: 20px;
    }

    .privacy-reason-title {
        font-size: 15px;
    }
}


.privacy-extra-content {
    margin-top: 40px;
}

.privacy-subheading {
    font-size: 20px;
    font-weight: 700;
    margin: 20px 0 10px;
}

.privacy-note {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-top: 15px;
}

.privacy-note-icon img {
    width: 20px;
    height: 20px;
}

.privacy-note-text h4 {
    margin: 0 0 6px;
    font-size: 16px;
    font-weight: 600;
}

.privacy-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-top: 20px;
}

.privacy-icon img {
    width: 20px;
    height: 20px;
}

.privacy-item-text h4 {
    margin: 0 0 6px;
    font-size: 16px;
    font-weight: 600;
}


/* Wrapper */
.privacy-whatwedo {
    margin-bottom: 40px;
    margin-top: 40px;
}

/* Heading */
.privacy-whatwedo-heading {
    font-size: 22px;
    font-weight: 700;
    margin-bottom: 20px;
}

/* Item Layout */
.privacy-whatwedo-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 24px;
}

.privacy-whatwedo-icon img {
    width: 24px;
    height: 24px;
}

.privacy-whatwedo-content h4 {
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 6px;
}

.privacy-whatwedo-content p {
    font-size: 14px;
    color: #333;
    margin-bottom: 8px;
}

.privacy-whatwedo-content ul {
    margin: 0;
    padding-left: 20px;
}

    .privacy-whatwedo-content ul li {
        font-size: 14px;
        color: #444;
        margin-bottom: 6px;
    }

/* Mobile */
@media (max-width: 768px) {
    .privacy-whatwedo-item {
        flex-direction: row;
        align-items: flex-start;
    }
}

/* Definitions Section */
.privacy-definitions {
    margin-top: 40px;
}

.privacy-def-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 24px;
    margin-top: 25px;
}

.privacy-def-icon img {
    width: 24px;
    height: 24px;
}

.privacy-def-content h4 {
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 4px;
}

.privacy-def-content p {
    font-size: 14px;
    color: #333;
    margin-bottom: 6px;
    line-height: 1.5;
}

.privacy-def-content ul {
    margin: 0;
    padding-left: 16px;
}

    .privacy-def-content ul li {
        font-size: 14px;
        color: #555;
        line-height: 1.4;
    }

/* Mobile Responsive */
@media (max-width: 768px) {
    .privacy-def-item {
        flex-direction: column;
        gap: 8px;
    }
}

@media (max-width: 980px) {
    .privacy-grid {
        display: flex; /* switch from grid to a simple column stack */
        flex-direction: column;
        gap: 24px;
    }

    .privacy-toc {
        order: 1;
        margin-bottom: 8px;
        position: static;
    }

    .privacy-main {
        order: 2;
    }
}

/* Wrapper */
.pre-apply-section {
    position: relative;
    padding: 120px 20px; /* big breathing room */
    background: #fff;
    overflow: hidden;
    font-family: system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
}

/* Line image sweeping behind */
.pre-apply-line {
    position: absolute;
    inset: 0;
    width: 120%;
    max-width: none;
    height: auto;
    left: 50%;
    transform: translateX(-50%);
    pointer-events: none;
    z-index: 0;
    opacity: .9;
    object-fit: contain;
}

/* Centering */
.pre-apply-container {
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
    display: flex;
    justify-content: center;
}

/* Card */
.pre-apply-card {
    width: 100%;
    max-width: 420px;
    background: #fff;
    border: 1px solid #eee;
    border-radius: 14px;
    box-shadow: 0 10px 24px rgba(0,0,0,.06);
    padding: 28px 24px 24px;
    text-align: left;
}

/* Icon pill */
.pre-apply-icon {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 12px;
}

    .pre-apply-icon img {
        width: 35px;
        height: 35in px;
        object-fit: contain
    }

/* Title + note */
.pre-apply-title {
    text-align: center;
    font-size: 20px;
    font-weight: 700;
    margin: 0 0 8px;
}

.pre-apply-note {
    text-align: center;
    font-size: 11.5px;
    color: #606b66;
    line-height: 1.5;
    margin: 0 0 18px;
}

/* Fields */
.pre-apply-field {
    margin-bottom: 16px
}

.pre-apply-label {
    display: block;
    font-size: 12.5px;
    font-weight: 600;
    color: #1c1c1c;
    margin-bottom: 8px;
}

/* Radios */
.pre-apply-radios {
    display: flex;
    flex-direction: column;
    gap: 8px
}

.pre-apply-radio {
    font-size: 13px;
    color: #222;
    display: flex;
    align-items: center;
    gap: 6px
}

    .pre-apply-radio input {
        accent-color: #218058
    }

/* Currency input with $ prefix */
.pre-apply-currency {
    position: relative
}

    .pre-apply-currency::before {
        content: "$";
        position: absolute;
        left: 12px;
        top: 50%;
        transform: translateY(-50%);
        color: #7a7a7a;
        font-size: 14px;
    }

.pre-apply-input {
    width: 100%;
    height: 40px;
    border: 1px solid #e1e4e3;
    border-radius: 8px;
    padding: 0 12px 0 28px; /* leave room for $ */
    font-size: 14px;
    outline: none;
    transition: border-color .2s, box-shadow .2s;
}

    .pre-apply-input:focus {
        border-color: #218058;
        box-shadow: 0 0 0 3px rgba(33,128,88,.12);
    }

.pre-apply-hint {
    display: block;
    color: #808080;
    font-size: 11.5px;
    margin-top: 6px
}

/* Submit */
.pre-apply-submit {
    width: 100%;
    height: 40px;
    border: none;
    border-radius: 999px;
    background: #218058;
    color: #fff;
    font-weight: 700;
    cursor: pointer;
    transition: opacity .2s, transform .02s;
}

    .pre-apply-submit:hover {
        opacity: .92
    }

    .pre-apply-submit:active {
        transform: translateY(1px)
    }

/* Mobile tweaks */
@media (max-width: 768px) {
    .pre-apply-section {
        padding: 80px 16px
    }

    .pre-apply-card {
        max-width: 480px;
        padding: 24px 18px
    }
    .pre-apply-line{
        display:none;
    }

    .pre-apply-note {
        font-size: 11px
    }
    .pre-apply-radios {
        flex-direction: column;
        gap: 8px;
    }
}
.menu-login, .menu-apply {
    text-decoration: none;
}
@media (min-width: 315px) and (max-width: 360px) {
    .payment-summary-row {
        font-size: 9px;
    }
    .payment-table {
        font-size: 9px;
    }
}
@media (min-width: 360px) and (max-width: 400px) {
    .payment-summary-row {
        font-size: 12px;
    }

    .payment-table {
        font-size: 12px;
    }
}