/* Import Inter Font */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');



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

:root {
    --primary-gray: #525252;
    --secondary-gray: #404040;
    --dark-charcoal: #171717;
    --light-gray: #FAFAFA;
    --accent-yellow: #EAB308;
    --accent-green: #52C41A;
    --text-dark: #171717;
    --text-light: #737373;
    --background-light: #F5F5F5;
    --background-white: #FFFFFF;
    --border-color: #E5E5E5;
    --max-width: 1350px;
    
    /* Legacy mappings for compatibility */
    --primary-blue: #525252;
    --secondary-blue: #404040;
    --dark-blue: #171717;
    --light-blue: #FAFAFA;
    --accent-orange: #EAB308;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    line-height: 1.6;
    color: var(--text-dark);
    background-color: var(--background-light);
}

.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 20px;
    width: 100%;
}
a {
    color: var(--accent-yellow);
    text-decoration: none;
}
/* Wrapper for all sections to limit width */
.site-wrapper {
    max-width: var(--max-width);
    margin: 0 auto;
    background: var(--background-white);
    box-shadow: 0 0 50px rgba(0,0,0,0.1);
}

/* Header Styles */
.main-header {
    background: var(--background-white);
    box-shadow: 0 2px 10px rgba(0,0,0,0.1);
    position: sticky;
    top: 0;
    z-index: 1000;
    width: 100%;
}

.navbar {
    padding: 15px 0;
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 40px;
}

.logo {
    font-size: 24px;
    font-weight: bold;
}

.logo a {
    text-decoration: none;
    color: var(--text-dark);
}

.logo .highlight {
    color: var(--accent-orange);
}

.nav-right {
    display: flex;
    align-items: center;
    gap: 30px;
}

.phone-number {
    color: var(--accent-yellow);
    font-weight: bold;
    text-decoration: none;
    font-size: 18px;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 25px;
}

.nav-menu a {
    text-decoration: none;
    color: var(--text-dark);
    font-weight: 500;
    transition: color 0.3s;
}

.nav-menu a:hover,
.nav-menu a.active {
    color: var(--primary-gray);
}

.btn-apply {
    background: var(--accent-yellow);
    color: var(--dark-charcoal);
    padding: 10px 25px;
    border-radius: 5px;
    text-decoration: none;
    font-weight: bold;
    transition: all 0.3s;
}

.btn-apply:hover {
    background: #CA8A04;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(234,179,8,0.3);
}

/* Hero Section */
.hero-section {
    background: linear-gradient(135deg, var(--primary-gray) 0%, var(--secondary-gray) 100%);
    padding: 80px 40px;
    color: white;
    position: relative;
    overflow: hidden;
}

.hero-section::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1350 100"><path fill="%23FFFFFF" d="M0,50 C337,100 1013,0 1350,50 L1350,100 L0,100 Z"></path></svg>');
    background-size: cover;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-text h1 {
    font-size: 48px;
    margin-bottom: 25px;
    line-height: 1.2;
}

.custom-form-placeholder {
    margin: 25px 0;
}

.hero-subtitle {
    font-size: 18px;
    opacity: 0.95;
	padding-bottom: 30px;
}

.hero-image img {
    width: 450px;
}

/* Features Section */
.features-section {
    padding: 80px 40px;
    background: var(--background-white);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    margin-top: 40px;
}

.feature-card {
    text-align: center;
    padding: 30px;
    transition: transform 0.3s;
}

.feature-card:hover {
    transform: translateY(-5px);
}

.feature-icon img {
    width: 80px;
    height: 80px;
    margin-bottom: 20px;
}

.feature-card h3 {
    color: var(--text-dark);
    margin-bottom: 15px;
    font-size: 22px;
}

.feature-card p {
    color: var(--text-light);
    line-height: 1.5;
}

.link-apply {
    color: var(--primary-gray);
    font-weight: bold;
}

/* About Section */
.about-section {
    padding: 60px 40px;
    background: var(--background-light);
}

.about-section h2 {
    text-align: center;
    font-size: 36px;
    margin-bottom: 30px;
    color: var(--text-dark);
}

.about-section p {
    max-width: 800px;
    margin: 20px auto;
    text-align: center;
    font-size: 16px;
    line-height: 1.8;
    color: var(--text-light);
}

/* Info Section */
.info-section {
    padding: 80px 40px;
    background: var(--dark-charcoal);
    color: white;
    position: relative;
}

.info-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1350 100"><path fill="%23F5F5F5" d="M0,50 C337,0 1013,100 1350,50 L1350,0 L0,0 Z"></path></svg>');
    background-size: cover;
}

.info-text {
    position: relative;
    z-index: 1;
}

.info-text h2 {
    font-size: 32px;
    margin-bottom: 25px;
    color: white;
}

.info-text p {
    line-height: 1.8;
    margin-bottom: 20px;
    opacity: 0.95;
    color: white;
}

.info-text a {
    color: var(--accent-yellow);
    text-decoration: none;
}

.external-link {
    text-decoration: underline !important;
}

/* Product Types Section */
.types-section {
    padding: 80px 40px;
    background: var(--background-white);
}

.types-section h2 {
    text-align: center;
    font-size: 36px;
    margin-bottom: 20px;
}

.types-section > .container > p {
    text-align: center;
    color: var(--text-light);
    max-width: 800px;
    margin: 0 auto 50px;
}

.product-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
    margin-bottom: 50px;
}

.product-card {
    background: var(--background-light);
    padding: 40px;
    border-radius: 10px;
    transition: all 0.3s;
}

.product-card:hover {
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
    transform: translateY(-5px);
}

.product-icon {
    margin-bottom: 20px;
    width: 60px;
    height: 60px;
    margin: 0 auto;
}

.product-card h3 {
    color: var(--text-dark);
    margin-bottom: 20px;
    font-size: 24px;
    text-align: center;
}

.product-card p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 15px;
}

.product-card a {
    color: var(--primary-gray);
    font-weight: bold;
}

.cta-center {
    text-align: center;
    margin-top: 40px;
}

.btn-apply-large {
    background: var(--accent-yellow);
    color: var(--dark-charcoal);
    padding: 15px 40px;
    border-radius: 5px;
    text-decoration: none;
    font-weight: bold;
    font-size: 18px;
    display: inline-block;
    transition: all 0.3s;
}

.btn-apply-large:hover {
    background: #CA8A04;
    transform: translateY(-2px);
    box-shadow: 0 10px 25px rgba(234,179,8,0.3);
}

/* Additional Info Section */
.additional-info {
    padding: 80px 40px;
    background: var(--dark-charcoal);
    color: white;
    position: relative;
}

.additional-info::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1350 100"><path fill="%23FFFFFF" d="M0,50 C337,0 1013,100 1350,50 L1350,0 L0,0 Z"></path></svg>');
    background-size: cover;
}

.additional-info::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1350 100"><path fill="%23FFFFFF" d="M0,50 C337,100 1013,0 1350,50 L1350,100 L0,100 Z"></path></svg>');
    background-size: cover;
}

.additional-info h2 {
    font-size: 32px;
    margin-bottom: 40px;
    color: white;
    text-align: center;
    position: relative;
    z-index: 1;
}

.info-card-styled {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.info-content-styled p {
    color: white;
    line-height: 1.8;
    margin-bottom: 20px;
    opacity: 0.95;
}

.info-content-styled a {
    color: var(--accent-yellow);
    text-decoration: none;
}

.info-image img {
    width: 450px;
}

/* Models Section */
.models-section {
    padding: 80px 40px;
    background: var(--background-white);
}

.models-section h2 {
    text-align: center;
    font-size: 36px;
    margin-bottom: 20px;
}

.models-section > .container > p {
    text-align: center;
    color: var(--text-light);
    max-width: 800px;
    margin: 0 auto 50px;
}

.models-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    margin-bottom: 30px;
}

.model-card {
    background: var(--background-light);
    padding: 30px;
    border-radius: 10px;
}

.model-card h4 {
    color: var(--text-dark);
    margin-bottom: 15px;
    font-size: 20px;
}

.model-card p {
    color: var(--text-light);
    line-height: 1.6;
}

.process-diagram {
    display: flex;
    align-items: center;
    margin-top: 20px;
    padding: 20px;
    background: white;
    border-radius: 5px;
}

.process-step {
    flex: 1;
    padding: 15px;
    background: var(--primary-blue);
    color: white;
    text-align: center;
    border-radius: 5px;
    font-size: 14px;
}

.process-arrow {
    margin: 0 10px;
    color: var(--primary-blue);
    font-size: 20px;
}

.disclaimer-text {
    text-align: center;
    color: var(--text-light);
    font-style: italic;
    max-width: 800px;
    margin: 30px auto 0;
}

/* Comparison Section */
.comparison-section {
    padding: 80px 0;
    background: var(--background-light);
    position: relative;
}

.comparison-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 100"><path fill="%23FFFFFF" d="M0,50 C360,0 1080,100 1440,50 L1440,0 L0,0 Z"></path></svg>');
    background-size: cover;
}

.comparison-content {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.comparison-image img {
    width: 100%;
}

.comparison-text h2 {
    font-size: 32px;
    margin-bottom: 25px;
    color: var(--text-dark);
}

.comparison-text p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 20px;
}

/* Locations Section */
.locations-section {
    padding: 80px 40px;
    background: var(--dark-charcoal);
    color: white;
    position: relative;
}

.locations-section::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1350 100"><path fill="%23FFFFFF" d="M0,50 C337,100 1013,0 1350,50 L1350,100 L0,100 Z"></path></svg>');
    background-size: cover;
}

.locations-section h2 {
    font-size: 32px;
    margin-bottom: 25px;
    position: relative;
    z-index: 1;
}

.locations-section p {
    line-height: 1.8;
    margin-bottom: 20px;
    opacity: 0.95;
    position: relative;
    z-index: 1;
}

.locations-section strong {
    color: var(--accent-yellow);
}

/* FAQ Section */
.faq-section {
    padding: 80px 40px;
    background: var(--background-white);
}

.faq-section h2 {
    text-align: center;
    font-size: 36px;
    margin-bottom: 50px;
    color: var(--text-dark);
}

.faq-item {
    background: var(--background-light);
    border-radius: 10px;
    margin-bottom: 20px;
    overflow: hidden;
}

.faq-question {
    width: 100%;
    padding: 25px;
    background: none;
    border: none;
    text-align: left;
    font-size: 18px;
    font-weight: bold;
    color: var(--text-dark);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: background 0.3s;
}

.faq-question:hover {
    background: rgba(74,144,226,0.05);
}

.toggle-icon {
    font-size: 24px;
    color: var(--primary-gray);
}

.faq-answer {
    padding: 0 25px 25px;
    color: var(--text-light);
    line-height: 1.8;
}

.faq-answer a {
    color: var(--primary-gray);
}

/* Footer */
.main-footer {
    background: var(--dark-charcoal);
    color: white;
    padding: 60px 40px 30px;
    width: 100%;
}

.footer-content {
    text-align: center;
    padding: 0 0 40px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-logo h3 {
    font-size: 24px;
    margin-bottom: 10px;
}

.footer-logo .highlight {
    color: var(--accent-yellow);
}

.footer-logo .phone {
    font-size: 18px;
    opacity: 0.9;
}

.footer-links {
    text-align: center;
    padding: 30px 0;
}

.footer-links a {
    color: white;
    text-decoration: none;
    margin: 0 10px;
    opacity: 0.8;
    transition: opacity 0.3s;
}

.footer-links a:hover {
    opacity: 1;
}

.footer-legal {
    text-align: center;
    padding: 20px 0;
    opacity: 0.7;
    font-size: 14px;
    line-height: 1.8;
}

.footer-legal a {
    color: var(--accent-yellow);
    text-decoration: none;
}

/* Page Headers */
.page-header {
    background: linear-gradient(135deg, var(--primary-gray) 0%, var(--secondary-gray) 100%);
    color: white;
    padding: 60px 40px;
    text-align: center;
}

.page-header h1 {
    font-size: 42px;
    margin-bottom: 15px;
}

.page-header p {
    font-size: 18px;
    opacity: 0.95;
}

/* Legal Content */
.legal-content {
    padding: 60px 40px;
    background: var(--background-white);
}

.legal-text {
    max-width: 900px;
    margin: 0 auto;
}

.legal-text h2 {
    color: var(--text-dark);
    font-size: 28px;
    margin: 40px 0 20px;
    padding-top: 20px;
    border-top: 2px solid var(--border-color);
}

.legal-text h2:first-child {
    border-top: none;
    padding-top: 0;
    margin-top: 0;
}

.legal-text h3 {
    color: var(--text-dark);
    font-size: 22px;
    margin: 30px 0 15px;
}

.legal-text p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 20px;
}

.legal-text ul,
.legal-text ol {
    margin: 20px 0 20px 40px;
    color: var(--text-light);
}

.legal-text li {
    margin-bottom: 10px;
    line-height: 1.8;
}

.legal-text dl {
    margin: 20px 0;
}

.legal-text dt {
    color: var(--text-dark);
    font-weight: bold;
    margin-top: 15px;
}

.legal-text dd {
    color: var(--text-light);
    margin: 5px 0 15px 20px;
}

/* Contact Page */
.contact-section {
    padding: 60px 40px;
    background: var(--background-white);
}

.contact-grid {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 60px;
}

.contact-form {
    background: var(--background-light);
    padding: 40px;
    border-radius: 10px;
}

.form-group {
    margin-bottom: 25px;
}

.form-group label {
    display: block;
    color: var(--text-dark);
    font-weight: 500;
    margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px;
    border: 1px solid var(--border-color);
    border-radius: 5px;
    font-size: 16px;
    transition: border-color 0.3s;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary-gray);
}

.btn-submit {
    background: var(--primary-gray);
    color: white;
    padding: 15px 40px;
    border: none;
    border-radius: 5px;
    font-size: 16px;
    font-weight: bold;
    cursor: pointer;
    transition: all 0.3s;
}

.btn-submit:hover {
    background: var(--secondary-gray);
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(82,82,82,0.3);
}

.contact-card {
    background: var(--background-light);
    padding: 30px;
    border-radius: 10px;
    margin-bottom: 30px;
}

.contact-card h3 {
    color: var(--text-dark);
    margin-bottom: 20px;
}

.contact-item {
    margin-bottom: 15px;
    color: var(--text-light);
    line-height: 1.6;
}

.contact-item a {
    color: var(--primary-gray);
    text-decoration: none;
}

.contact-card ul {
    list-style-position: inside;
    color: var(--text-light);
    margin-top: 15px;
}

.contact-card li {
    margin-bottom: 10px;
}

.additional-resources {
    margin-top: 60px;
}

.additional-resources h2 {
    text-align: center;
    font-size: 32px;
    margin-bottom: 40px;
    color: var(--text-dark);
}

.resources-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.resource-card {
    background: var(--background-light);
    padding: 30px;
    border-radius: 10px;
    text-align: center;
}

.resource-card h4 {
    color: var(--text-dark);
    margin-bottom: 15px;
}

.resource-card p {
    color: var(--text-light);
    margin-bottom: 20px;
    line-height: 1.6;
}

.resource-link {
    color: var(--primary-gray);
    text-decoration: none;
    font-weight: bold;
}

/* Responsible Lending Page */
.principle-card {
    background: var(--background-light);
    padding: 30px;
    border-radius: 10px;
    margin-bottom: 30px;
}

.principle-card h3 {
    color: var(--primary-gray);
    margin-bottom: 20px;
}

.checklist {
    background: var(--light-gray);
    padding: 30px;
    border-radius: 10px;
    margin: 30px 0;
}

.checklist h3 {
    color: var(--text-dark);
    margin-bottom: 20px;
}

.checklist ul {
    list-style: none;
}

.checklist li {
    padding: 10px 0;
    color: var(--text-dark);
}

.warning-list {
    background: #FFF5F5;
    padding: 30px;
    border-radius: 10px;
    border-left: 4px solid #FF6B6B;
    list-style: none;
}

.warning-list li {
    padding: 10px 0;
    color: var(--text-dark);
}

.resource-box {
    background: var(--background-light);
    padding: 25px;
    border-radius: 10px;
}

.resource-box h3 {
    color: var(--text-dark);
    margin-bottom: 15px;
}

.counseling-resources {
    background: var(--light-gray);
    padding: 30px;
    border-radius: 10px;
    margin: 30px 0;
}

.counseling-resources h3 {
    color: var(--text-dark);
    margin: 20px 0 10px;
}

.counseling-resources h3:first-child {
    margin-top: 0;
}

.promise-section {
    background: var(--accent-green);
    background: linear-gradient(135deg, var(--accent-green) 0%, #45A814 100%);
    color: white;
    padding: 40px;
    border-radius: 10px;
    margin: 40px 0;
}

.promise-section ul {
    list-style: none;
    margin-top: 20px;
}

.promise-section li {
    padding: 10px 0;
}

.contact-cta {
    text-align: center;
    font-size: 18px;
    margin-top: 40px;
    padding: 30px;
    background: var(--light-gray);
    border-radius: 10px;
}

.contact-cta a {
    color: var(--primary-gray);
    font-weight: bold;
}

/* Rates Page */
.rates-section {
    padding: 60px 40px;
    background: var(--background-white);
}

.rates-intro {
    text-align: center;
    margin-bottom: 60px;
}

.rates-intro h2 {
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 20px;
}

.rates-intro p {
    color: var(--text-light);
    max-width: 800px;
    margin: 0 auto;
    line-height: 1.8;
}

.product-rates {
    margin-bottom: 60px;
}

.product-rates h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 30px;
}

.product-rates h3 {
    color: var(--text-dark);
    margin: 30px 0 20px;
}

.rates-table {
    overflow-x: auto;
    margin-bottom: 30px;
}

.rates-table table {
    width: 100%;
    background: white;
    border-collapse: collapse;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}

.rates-table th {
    background: var(--primary-gray);
    color: white;
    padding: 15px;
    text-align: left;
    font-weight: 600;
}

.rates-table td {
    padding: 15px;
    border-bottom: 1px solid var(--border-color);
}

.rates-table tr:hover {
    background: var(--background-light);
}

.rates-table .disclaimer {
    font-size: 14px;
    color: var(--text-light);
    font-style: italic;
    margin-top: 10px;
}

.state-availability {
    margin-bottom: 60px;
}

.state-availability h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 40px;
    text-align: center;
}

.state-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.state-card {
    background: var(--background-light);
    padding: 30px;
    border-radius: 10px;
    transition: all 0.3s;
}

.state-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.1);
}

.state-card h3 {
    color: var(--primary-gray);
    margin-bottom: 20px;
}

.state-card p {
    color: var(--text-light);
    margin-bottom: 10px;
}

.state-card strong {
    color: var(--text-dark);
}

.fees-section {
    margin-bottom: 60px;
}

.fees-section h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 40px;
    text-align: center;
}

.fees-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.fee-card {
    background: var(--background-light);
    padding: 30px;
    border-radius: 10px;
    text-align: center;
}

.fee-card h3 {
    color: var(--text-dark);
    margin-bottom: 15px;
}

.fee-amount {
    font-size: 28px;
    color: var(--primary-gray);
    font-weight: bold;
    margin-bottom: 10px;
}

.fee-card p {
    color: var(--text-light);
    font-size: 14px;
}

.example-section {
    margin-bottom: 60px;
}

.example-section h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 40px;
    text-align: center;
}

.example-card {
    background: linear-gradient(135deg, var(--light-gray) 0%, white 100%);
    padding: 40px;
    border-radius: 10px;
    margin-bottom: 30px;
    border: 2px solid var(--border-color);
}

.example-card h3 {
    color: var(--primary-gray);
    margin-bottom: 25px;
    font-size: 24px;
}

.example-details {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 15px;
}

.example-details p {
    color: var(--text-light);
    padding: 10px 0;
    border-bottom: 1px solid rgba(0,0,0,0.05);
}

.example-details p strong {
    color: var(--text-dark);
}

.important-disclosures {
    background: var(--background-light);
    padding: 60px;
    border-radius: 10px;
    margin-bottom: 60px;
}

.important-disclosures h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 40px;
    text-align: center;
}

.important-disclosures h3 {
    color: var(--text-dark);
    margin: 30px 0 20px;
}

.important-disclosures ul {
    margin-left: 40px;
    color: var(--text-light);
}

.important-disclosures li {
    margin-bottom: 10px;
    line-height: 1.8;
}

.calculator-section {
    background: var(--primary-gray);
    color: white;
    padding: 60px;
    border-radius: 10px;
    margin-bottom: 60px;
    text-align: center;
}

.calculator-section h2 {
    font-size: 32px;
    margin-bottom: 20px;
}

.calculator-placeholder {
    background: white;
    padding: 40px;
    border-radius: 10px;
    margin-top: 30px;
}

.calculator-placeholder img {
    max-width: 100%;
    border-radius: 5px;
}

.calculator-placeholder p {
    color: var(--text-light);
    margin-top: 20px;
}

.questions-section {
    text-align: center;
    padding: 60px;
    background: var(--background-light);
    border-radius: 10px;
}

.questions-section h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 25px;
}

.questions-section p {
    color: var(--text-light);
    margin-bottom: 20px;
}

.questions-section ul {
    list-style: none;
    margin: 30px 0;
}

.questions-section li {
    color: var(--text-dark);
    padding: 10px 0;
}

.cta-buttons {
    display: flex;
    gap: 20px;
    justify-content: center;
    margin-top: 30px;
}

.btn-primary,
.btn-secondary {
    padding: 15px 40px;
    border-radius: 5px;
    text-decoration: none;
    font-weight: bold;
    transition: all 0.3s;
}

.btn-primary {
    background: var(--accent-yellow);
    color: var(--dark-charcoal);
}

.btn-primary:hover {
    background: #CA8A04;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(234,179,8,0.3);
}

.btn-secondary {
    background: white;
    color: var(--primary-gray);
    border: 2px solid var(--primary-gray);
}

.btn-secondary:hover {
    background: var(--primary-gray);
    color: white;
}

/* About Page Styles */
.about-intro {
    padding: 60px 40px;
    background: var(--background-white);
}

.intro-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.intro-text h2 {
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 25px;
}

.intro-text p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 20px;
}

.intro-image img {
    width: 100%;
    border-radius: 10px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
}

.mission-vision {
    padding: 60px 40px;
    background: var(--background-light);
}

.mv-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
}

.mv-card {
    background: white;
    padding: 40px;
    border-radius: 10px;
    box-shadow: 0 5px 20px rgba(0,0,0,0.05);
}

.mv-card h2 {
    color: var(--primary-blue);
    margin-bottom: 20px;
}

.mv-card p {
    color: var(--text-light);
    line-height: 1.8;
}

.values-section {
    padding: 60px 40px;
    background: var(--background-white);
}

.values-section h2 {
    text-align: center;
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 50px;
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.value-card {
    text-align: center;
    padding: 30px;
    transition: transform 0.3s;
}

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

.value-icon img {
    width: 120px;
    height: 120px;
    margin-bottom: 20px;
    border-radius: 50%;
}

.value-card h3 {
    color: var(--text-dark);
    margin-bottom: 15px;
}

.value-card p {
    color: var(--text-light);
    line-height: 1.6;
}

.history-section {
    padding: 60px 40px;
    background: var(--background-light);
}

.history-section h2 {
    text-align: center;
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 50px;
}

.timeline {
    position: relative;
    max-width: 1000px;
    margin: 0 auto;
}

.timeline::before {
    content: '';
    position: absolute;
    left: 50%;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--primary-blue);
}

.timeline-item {
    display: flex;
    margin-bottom: 50px;
    position: relative;
}

.timeline-item:nth-child(odd) {
    flex-direction: row-reverse;
}

.timeline-year {
    flex: 0 0 100px;
    text-align: center;
    font-size: 24px;
    font-weight: bold;
    color: var(--primary-blue);
    padding: 10px;
}

.timeline-content {
    flex: 1;
    background: white;
    padding: 30px;
    border-radius: 10px;
    box-shadow: 0 5px 20px rgba(0,0,0,0.1);
    margin: 0 30px;
}

.timeline-content h3 {
    color: var(--text-dark);
    margin-bottom: 15px;
}

.timeline-content p {
    color: var(--text-light);
    line-height: 1.6;
}

.leadership-section {
    padding: 60px 40px;
    background: var(--background-white);
}

.leadership-section h2 {
    text-align: center;
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 20px;
}

.section-intro {
    text-align: center;
    color: var(--text-light);
    max-width: 800px;
    margin: 0 auto 50px;
}

.leadership-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
}

.leader-card {
    text-align: center;
}

.leader-card img {
    width: 100%;
    border-radius: 50%;
    margin-bottom: 20px;
}

.leader-card h3 {
    color: var(--text-dark);
    margin-bottom: 5px;
}

.leader-card .title {
    color: var(--primary-blue);
    font-weight: 600;
    margin-bottom: 15px;
}

.leader-card p {
    color: var(--text-light);
    font-size: 14px;
    line-height: 1.6;
}

.stats-section {
    padding: 80px 40px;
    background: linear-gradient(135deg, var(--primary-blue) 0%, var(--secondary-blue) 100%);
    color: white;
}

.stats-section h2 {
    text-align: center;
    font-size: 36px;
    margin-bottom: 50px;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
}

.stat-card {
    text-align: center;
}

.stat-number {
    font-size: 48px;
    font-weight: bold;
    margin-bottom: 10px;
}

.stat-label {
    font-size: 18px;
    opacity: 0.9;
}

.community-section {
    padding: 60px 40px;
    background: var(--background-light);
}

.community-section h2 {
    text-align: center;
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 50px;
}

.community-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.community-text h3 {
    color: var(--text-dark);
    margin: 30px 0 20px;
}

.community-text ul {
    list-style-position: inside;
    color: var(--text-light);
}

.community-text li {
    margin-bottom: 15px;
    line-height: 1.8;
}

.community-text strong {
    color: var(--text-dark);
}

.community-image img {
    width: 100%;
    border-radius: 10px;
}

.why-choose-section {
    padding: 60px 40px;
    background: var(--background-white);
}

.why-choose-section h2 {
    text-align: center;
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 50px;
}

.reasons-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.reason-card {
    background: var(--background-light);
    padding: 30px;
    border-radius: 10px;
    text-align: center;
    transition: all 0.3s;
}

.reason-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0,0,0,0.1);
}

.reason-card h3 {
    color: var(--primary-blue);
    margin-bottom: 15px;
}

.reason-card p {
    color: var(--text-light);
    line-height: 1.6;
}

.testimonials-section {
    padding: 60px 40px;
    background: var(--background-light);
}

.testimonials-section h2 {
    text-align: center;
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 50px;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.testimonial-card {
    background: white;
    padding: 30px;
    border-radius: 10px;
    box-shadow: 0 5px 20px rgba(0,0,0,0.05);
}

.stars {
    color: var(--accent-orange);
    font-size: 20px;
    margin-bottom: 15px;
}

.testimonial-card p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 20px;
    font-style: italic;
}

.testimonial-author {
    color: var(--text-dark);
    font-weight: 600;
}

.cta-section {
    padding: 80px 40px;
    background: linear-gradient(135deg, var(--accent-orange) 0%, #FF7A28 100%);
    color: white;
    text-align: center;
}

.cta-section h2 {
    font-size: 42px;
    margin-bottom: 20px;
}

.cta-section p {
    font-size: 20px;
    margin-bottom: 40px;
    opacity: 0.95;
}

.btn-primary-large,
.btn-secondary-large {
    padding: 20px 50px;
    border-radius: 5px;
    text-decoration: none;
    font-weight: bold;
    font-size: 18px;
    transition: all 0.3s;
    display: inline-block;
    margin: 0 10px;
}

.btn-primary-large {
    background: white;
    color: var(--accent-orange);
}

.btn-primary-large:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(0,0,0,0.2);
}

.btn-secondary-large {
    background: transparent;
    color: white;
    border: 2px solid white;
}

.btn-secondary-large:hover {
    background: white;
    color: var(--accent-orange);
}

/* Responsive Design */
@media (max-width: 1024px) {
    .nav-menu {
        display: none;
    }
    
    .hero-content {
        grid-template-columns: 1fr;
    }
    
    .features-grid,
    .models-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .product-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .hero-text h1 {
        font-size: 36px;
    }
    
    .features-grid,
    .state-grid,
    .fees-grid,
    .values-grid,
    .leadership-grid,
    .stats-grid,
    .reasons-grid,
    .testimonials-grid,
    .resources-grid {
        grid-template-columns: 1fr;
    }
    
    .contact-grid,
    .info-card,
    .comparison-content,
    .intro-content,
    .community-content {
        grid-template-columns: 1fr;
    }
    
    .timeline::before {
        left: 20px;
    }
    
    .timeline-item,
    .timeline-item:nth-child(odd) {
        flex-direction: column;
    }
    
    .footer-content {
        flex-direction: column;
        text-align: center;
        gap: 30px;
    }
}

/* ===== RATES & TERMS PAGE STYLES ===== */

/* Rates Page Main Section */
.rates-section {
    padding: 60px 40px;
    background: var(--background-white);
}

/* Intro Section */
.rates-intro {
    text-align: center;
    margin-bottom: 60px;
    padding: 40px;
    background: var(--background-light);
    border-radius: 10px;
}

.rates-intro h2 {
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 20px;
}

.rates-intro p {
    color: var(--text-light);
    max-width: 800px;
    margin: 0 auto;
    line-height: 1.8;
    font-size: 16px;
}

/* Main Content Section */
.rates-content {
    margin-bottom: 60px;
    padding: 40px;
    background: white;
    border-left: 4px solid var(--accent-yellow);
}

.rates-content h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 30px;
}

.rates-content h3 {
    color: var(--text-dark);
    margin: 30px 0 20px;
    font-size: 24px;
}

.rates-content p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 20px;
    font-size: 16px;
}

.rates-content p strong {
    color: var(--text-dark);
}

.rates-content ul {
    margin-left: 40px;
    color: var(--text-light);
}

.rates-content li {
    margin-bottom: 10px;
    line-height: 1.8;
}

/* Important Disclosures Section */
.important-disclosures {
    background: var(--background-light);
    padding: 60px;
    border-radius: 10px;
    margin-bottom: 60px;
}

.important-disclosures h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 40px;
    text-align: center;
}

.important-disclosures h3 {
    color: var(--text-dark);
    margin: 30px 0 20px;
    font-size: 22px;
}

.important-disclosures p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 20px;
    font-size: 16px;
}

.important-disclosures ul {
    margin-left: 40px;
    color: var(--text-light);
}

.important-disclosures li {
    margin-bottom: 10px;
    line-height: 1.8;
}

/* Responsible Borrowing Section */
.responsible-borrowing {
    background: white;
    padding: 60px;
    border-radius: 10px;
    margin-bottom: 60px;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}

.responsible-borrowing h2 {
    font-size: 32px;
    color: var(--text-dark);
    margin-bottom: 30px;
}

.responsible-borrowing p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 20px;
    font-size: 16px;
}

.responsible-borrowing p strong {
    color: var(--text-dark);
}

.responsible-borrowing ul {
    margin: 30px 0 30px 40px;
    color: var(--text-light);
}

.responsible-borrowing li {
    margin-bottom: 15px;
    line-height: 1.8;
    font-size: 16px;
}

/* Questions/CTA Section */
.questions-section {
    text-align: center;
    padding: 80px 60px;
    background: linear-gradient(135deg, var(--background-light) 0%, white 100%);
    border-radius: 10px;
    margin-bottom: 40px;
}

.questions-section h2 {
    font-size: 36px;
    color: var(--text-dark);
    margin-bottom: 25px;
}

.questions-section p {
    color: var(--text-light);
    margin-bottom: 20px;
    font-size: 16px;
    line-height: 1.8;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
}

.questions-section ul {
    list-style: none;
    margin: 30px 0;
}

.questions-section li {
    color: var(--text-dark);
    padding: 10px 0;
}

/* CTA Buttons for Rates Page */
.questions-section .cta-buttons {
    display: flex;
    gap: 20px;
    justify-content: center;
    margin-top: 30px;
}

.questions-section .btn-primary,
.questions-section .btn-secondary {
    padding: 15px 40px;
    border-radius: 5px;
    text-decoration: none;
    font-weight: bold;
    transition: all 0.3s;
}

.questions-section .btn-primary {
    background: var(--accent-yellow);
    color: var(--dark-charcoal);
}

.questions-section .btn-primary:hover {
    background: #CA8A04;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(234,179,8,0.3);
}

.questions-section .btn-secondary {
    background: white;
    color: var(--primary-gray);
    border: 2px solid var(--primary-gray);
}

.questions-section .btn-secondary:hover {
    background: var(--primary-gray);
    color: white;
}

/* ===== END RATES & TERMS PAGE STYLES ===== */

/* ===== МОБИЛЬНАЯ АДАПТАЦИЯ ===== */

/* Планшеты и маленькие десктопы */
@media (max-width: 1024px) {
    .container {
        padding: 25px 20px;
    }
    
    .nav-container {
        padding: 0 20px;
    }
    
    .hero-content {
        gap: 40px;
    }
    
    .hero-text h1 {
        font-size: 42px;
    }
    
    .features-grid,
    .models-grid,
    .mv-grid,
    .resources-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }
    
    .values-grid,
    .leadership-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .timeline::before {
        display: none;
    }
    
    .timeline-item {
        flex-direction: column !important;
    }
}

/* Мобильные устройства */
@media (max-width: 768px) {
    /* Хедер и навигация */
    .main-header {
        padding: 0;
    }
    
    .nav-container {
        padding: 15px;
        position: relative;
    }
    
    /* Скрываем кнопку Apply Now в хедере на мобилках */
    .nav-right .btn-apply {
        display: none;
    }
    
    /* Показываем гамбургер меню по умолчанию на мобилках */
    .mobile-menu-toggle {
        display: block !important;
        background: none;
        border: none;
        cursor: pointer;
        padding: 5px;
        z-index: 1001;
        margin-left: auto;
    }
    
    /* Если JS не создал кнопку, добавляем через CSS */
    .nav-right::before {
        content: '';
        display: block;
        width: 30px;
        height: 24px;
        background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 24'%3E%3Cpath stroke='%23171717' stroke-width='3' d='M0 2h30M0 12h30M0 22h30'/%3E%3C/svg%3E");
        background-repeat: no-repeat;
        background-position: center;
        cursor: pointer;
    }
    
    /* Прячем псевдоэлемент если есть настоящая кнопка */
    .nav-right:has(.mobile-menu-toggle)::before {
        display: none;
    }
    
    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 80%;
        max-width: 300px;
        height: 100vh;
        background: white;
        flex-direction: column;
        padding: 80px 30px 30px;
        gap: 20px;
        box-shadow: -5px 0 20px rgba(0,0,0,0.1);
        transition: right 0.3s ease;
        z-index: 999;
        display: flex !important; /* Важно - меню должно быть flex, а не none */
    }
    
    /* Когда меню активно - выезжает */
    .nav-menu.mobile-active {
        right: 0 !important;
    }
    
    .mobile-menu-toggle {
        display: block;
        background: none;
        border: none;
        cursor: pointer;
        padding: 5px;
        z-index: 1001;
    }
    
    .mobile-menu-toggle span {
        display: block;
        width: 25px;
        height: 3px;
        background: var(--text-dark);
        margin: 5px 0;
        transition: 0.3s;
    }
    
    .mobile-menu-toggle.active span:nth-child(1) {
        transform: rotate(45deg) translate(5px, 5px);
    }
    
    .mobile-menu-toggle.active span:nth-child(2) {
        opacity: 0;
    }
    
    .mobile-menu-toggle.active span:nth-child(3) {
        transform: rotate(-45deg) translate(7px, -6px);
    }
    
    .mobile-menu-overlay {
        position: fixed;
        top: 0;
        left: 0;
        width: 100%;
        height: 100%;
        background: rgba(0,0,0,0.5);
        display: none;
        z-index: 998;
        opacity: 0;
        transition: opacity 0.3s ease;
    }
    
    .mobile-menu-overlay.active {
        display: block !important;
        opacity: 1;
    }
    
    /* Hero секция */
    .hero-section {
        padding: 40px 20px;
    }
    
    .hero-content {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .hero-text h1 {
        font-size: 32px;
        line-height: 1.3;
    }
    
    .hero-subtitle {
        font-size: 16px;
    }
    
    .hero-image {
        text-align: center;
    }
    
    .hero-image img {
        width: 100%;
        max-width: 350px;
        height: auto;
    }
    
    /* Features секция */
    .features-section {
        padding: 40px 20px;
    }
    
    .features-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .feature-card {
        padding: 20px;
    }
    
    /* About секция */
    .about-section {
        padding: 40px 20px;
    }
    
    .about-section h2 {
        font-size: 28px;
    }
    
    .about-section p {
        font-size: 15px;
    }
    
    /* Info секция */
    .info-section {
        padding: 40px 20px;
    }
    
    .info-text h2 {
        font-size: 26px;
    }
    
    /* Products секция */
    .types-section {
        padding: 40px 20px;
    }
    
    .types-section h2 {
        font-size: 28px;
    }
    
    .product-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .product-card {
        padding: 25px;
    }
    
    /* Additional Info секция */
    .additional-info {
        padding: 40px 20px;
    }
    
    .info-card-styled {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .info-image img {
        width: 100%;
        max-width: 100%;
    }
    
    /* Models секция */
    .models-section {
        padding: 40px 20px;
    }
    
    .models-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .model-card {
        padding: 20px;
    }
    
    /* Comparison секция */
    .comparison-section {
        padding: 40px 20px;
    }
    
    .comparison-content {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .comparison-text h2 {
        font-size: 26px;
    }
    
    /* Locations секция */
    .locations-section {
        padding: 40px 20px;
    }
    
    .locations-section h2 {
        font-size: 26px;
    }
    
    /* FAQ секция */
    .faq-section {
        padding: 40px 20px;
    }
    
    .faq-section h2 {
        font-size: 28px;
        margin-bottom: 30px;
    }
    
    .faq-question {
        padding: 20px;
        font-size: 16px;
    }
    
    .faq-answer {
        padding: 0 20px 20px;
    }
    
    /* Footer - полностью переделываем для мобилки */
    .main-footer {
        padding: 30px 20px;
        background: var(--dark-charcoal);
    }
    
    .footer-content {
        padding-bottom: 20px;
        border-bottom: 1px solid rgba(255,255,255,0.1);
        margin-bottom: 20px;
    }
    
    .footer-logo h3 {
        font-size: 18px;
        text-align: center;
        margin-bottom: 0;
    }
    
    /* Полностью переделываем ссылки в футере */
    .footer-links {
        display: flex;
        flex-direction: column;
        gap: 0;
        padding: 0;
        margin: 20px 0;
    }
    
    /* Скрываем все разделители и текст между ссылками */
    .footer-links {
        font-size: 0;
    }
    
    .footer-links a {
        display: block;
        font-size: 14px;
        padding: 12px 0;
        margin: 0;
        opacity: 0.8;
        border-bottom: 1px solid rgba(255,255,255,0.05);
        transition: all 0.2s;
        text-decoration: none;
    }
    
    .footer-links a:last-child {
        border-bottom: none;
    }
    
    .footer-links a:active,
    .footer-links a:hover {
        opacity: 1;
        padding-left: 10px;
        background: rgba(255,255,255,0.03);
    }
    
    .footer-legal {
        font-size: 12px;
        padding: 20px 0 10px;
        line-height: 1.6;
        text-align: center;
        opacity: 0.7;
    }
    
    .footer-legal p {
        margin-bottom: 15px;
    }
    
    .footer-legal p:last-child {
        font-size: 13px;
        opacity: 0.8;
        margin-bottom: 0;
    }
    
    /* Page headers */
    .page-header {
        padding: 40px 20px;
    }
    
    .page-header h1 {
        font-size: 32px;
    }
    
    .page-header p {
        font-size: 16px;
    }
    
    /* Legal content */
    .legal-content {
        padding: 40px 20px;
    }
    
    .legal-text h2 {
        font-size: 24px;
    }
    
    .legal-text h3 {
        font-size: 20px;
    }
    
    .legal-text ul,
    .legal-text ol {
        margin-left: 20px;
    }
    
    /* Contact page */
    .contact-section {
        padding: 40px 20px;
    }
    
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .contact-form {
        padding: 25px;
    }
    
    .contact-card {
        padding: 20px;
    }
    
    /* About page */
    .about-intro {
        padding: 40px 20px;
    }
    
    .intro-content {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .intro-text h2 {
        font-size: 28px;
    }
    
    .mission-vision {
        padding: 40px 20px;
    }
    
    .mv-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .mv-card {
        padding: 25px;
    }
    
    .values-section {
        padding: 40px 20px;
    }
    
    .values-section h2 {
        font-size: 28px;
        margin-bottom: 30px;
    }
    
    .values-grid {
        grid-template-columns: 1fr;
    }
    
    .value-card {
        padding: 20px;
    }
    
    .value-icon img {
        width: 80px;
        height: 80px;
    }
    
    .history-section {
        padding: 40px 20px;
    }
    
    .timeline-content {
        margin: 0 10px;
        padding: 20px;
    }
    
    .timeline-year {
        font-size: 20px;
    }
    
    .leadership-section {
        padding: 40px 20px;
    }
    
    .leadership-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .stats-section {
        padding: 40px 20px;
    }
    
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 30px;
    }
    
    .stat-number {
        font-size: 36px;
    }
    
    .community-section {
        padding: 40px 20px;
    }
    
    .community-content {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .why-choose-section {
        padding: 40px 20px;
    }
    
    .reasons-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .reason-card {
        padding: 20px;
    }
    
    .testimonials-section {
        padding: 40px 20px;
    }
    
    .testimonials-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .testimonial-card {
        padding: 20px;
    }
    
    .cta-section {
        padding: 40px 20px;
    }
    
    .cta-section h2 {
        font-size: 32px;
    }
    
    .cta-section p {
        font-size: 18px;
    }
    
    .cta-buttons {
        flex-direction: column;
        align-items: center;
    }
    
    .btn-primary-large,
    .btn-secondary-large {
        margin: 10px 0;
        width: 100%;
        max-width: 280px;
    }
    
    /* Rates page */
    .rates-section {
        padding: 40px 20px;
    }
    
    .rates-intro {
        padding: 25px;
    }
    
    .rates-intro h2 {
        font-size: 28px;
    }
    
    .rates-content {
        padding: 25px;
    }
    
    .rates-content h2 {
        font-size: 26px;
    }
    
    .rates-content h3 {
        font-size: 20px;
    }
    
    .important-disclosures {
        padding: 30px 20px;
    }
    
    .important-disclosures h2 {
        font-size: 26px;
    }
    
    .questions-section {
        padding: 40px 20px;
    }
    
    .questions-section h2 {
        font-size: 28px;
    }
    
    .questions-section .cta-buttons {
        flex-direction: column;
        align-items: center;
    }
    
    .questions-section .btn-primary,
    .questions-section .btn-secondary {
        width: 100%;
        max-width: 280px;
        margin: 10px 0;
    }
    
    /* Responsible lending page */
    .principle-card {
        padding: 20px;
    }
    
    .checklist {
        padding: 20px;
    }
    
    .state-grid,
    .fees-grid,
    .resources-grid {
        grid-template-columns: 1fr;
    }
    
    /* Таблицы */
    .rates-table {
        font-size: 14px;
    }
    
    .rates-table th,
    .rates-table td {
        padding: 10px;
    }
    
    /* Кнопки */
    .btn-apply {
        padding: 8px 20px;
        font-size: 14px;
    }
    
    .btn-apply-large {
        padding: 12px 30px;
        font-size: 16px;
    }
    
    .btn-submit {
        width: 100%;
        padding: 12px 30px;
    }
}

/* Маленькие мобильные устройства */
@media (max-width: 480px) {
    .hero-text h1 {
        font-size: 28px;
    }
    
    .hero-image img {
        max-width: 280px;
    }
    
    .stats-grid {
        grid-template-columns: 1fr;
    }
    
    /* Футер остается вертикальным, но более компактным */
    .main-footer {
        padding: 25px 15px;
    }
    
    .footer-logo h3 {
        font-size: 16px;
    }
    
    .footer-links a {
        font-size: 13px;
        padding: 10px 0;
    }
    
    .footer-legal {
        font-size: 11px;
        line-height: 1.5;
        padding: 15px 0 10px;
    }
    
    .footer-legal p {
        margin-bottom: 12px;
    }
}

/* Фикс для очень маленьких экранов */
@media (max-width: 320px) {
    .container {
        padding: 0 15px;
    }
    
    .hero-text h1 {
        font-size: 24px;
    }
    
    .hero-subtitle {
        font-size: 14px;
    }
    
    .about-section h2,
    .types-section h2,
    .faq-section h2 {
        font-size: 24px;
    }
    
    .btn-apply-large {
        font-size: 14px;
        padding: 10px 25px;
    }
}