* { font-family: "Poppins", sans-serif; }
html, body { overflow-x: hidden}
html { scroll-behavior: smooth; }

body {
    display: flex;
    flex-direction: column;
    min-height: 100vh;
}

.site-footer {
    margin-top: auto;
}

:root {
    --horse-green: #31551d;
    --horse-green-light:#6d9135;
    --horse-beige: #f8f0DC;
    --horse-red-dark: #753a1e;
}

body {
    color: #333;
}

a {
    color: var(--horse-green-light);
}

a:hover {
    color: var(--horse-green);
}

.btn-horse-primary {
    background-color:var(--horse-green);
    border-color: var(--horse-green);
    color: #fff;
    font-weight: 600;
    letter-spacing: .03em;
    -webkit-tap-highlight-color: transparent;
}

.btn-elk-primary:hover,
.btn-elk-primary:focus,
.btn-elk-primary:active,
.btn-elk-primary.active {
    background-color: #4A628A;
    border-color: #4A628A;
    color: #fff;
}

.btn-elk-dark {
    background-color: var(--horse-green);
    border-color: var(--horse-green);
    color: #fff;
    font-weight: 600;
}

.btn-elk-dark:hover,
.btn-elk-dark:focus {
    background-color: var(--horse-green);
    border-color: var(--horse-green);
    color: #fff;
}

/* ---------- Header ---------- */
.header {
    background-color: var(--horse-beige);
    color: #fff;
    font-size: .85rem;
    padding: .5rem 0;
}

.aux-nav a {
    color: #fff;
    text-decoration: none;
}

.aux-nav a:hover {
    color: var(--elk-blue-lighter);
}

.aux-nav i {
    margin-right: .35rem;
}

.main-nav {
    background-color: #fff;
    padding: 1rem 0;
    box-shadow: 0 2px 8px rgba(0, 0, 0, .06);
}

.main-nav .navbar-brand img {
    max-height: 48px;
    width: auto;
}

.main-nav .nav-link {
    color: var(--elk-navy);
    font-weight: 600;
    text-transform: uppercase;
    font-size: .85rem;
    letter-spacing: .02em;
    padding: .5rem 1rem !important;
}

.main-nav .nav-link:hover {
    color: var(--elk-blue-lighter);
}

/* ---------- Hero / Application form ---------- */
.masthead {
    position: relative;
    display: flex;
    align-items: center;
    min-height: 560px;
    padding: 3rem 0;
    overflow: hidden;
    /* 50% 50% keeps the woman centre-left and clear of the form column,
       which now sits on the right. */
    background: url('/assets/images/home-banner.jpg') 50% 50% / cover no-repeat;
}

/* The old soft 90deg gradient let the photo bleed through under the form. */
.masthead::before {
    content: none;
}

/* Flat navy panel bleeding off the right edge, hard-stopping at the left
   edge of the form column. Mirrors .form-container on elklending.com. */
.masthead .row > [class*="col-"] {
    position: relative;
}

.masthead .row > [class*="col-"]::before {
    content: "";
    position: absolute;
    top: -3rem;      /* cancels .masthead padding so the panel is full-bleed */
    bottom: -3rem;
    left: 0;
    right: -100vw;
    background-color: rgba(25, 45, 85, .88);
    z-index: -1;
}

.lead {
    font-size: 24px;
}

.form {
    background-color: var(--elk-gray-bg) ;
}

.thank-you {
    background-color: var(--elk-gray-bg) ;
    flex: 1 0 auto;
}

/* Tablet/mobile: no room for a split hero - flat navy wash, no wedge. */
@media (max-width: 991.98px) {
    .masthead .row > [class*="col-"]::before {
        left: -100vw;
        right: -100vw;
        background-color: rgba(25, 45, 85, .93);
    }

    .masthead .row > [class*="col-"]::after {
        display: none;
    }
}

/* Desktop monitors larger than a 15" laptop screen: taller hero image. */
@media (min-width: 1600px) {
    .masthead {
        min-height: 900px;
    }
}

.logo {
    max-height: 6.5rem;
    width: auto;
}

.hero-panel {
    max-width: 90%;
    margin-left: auto;
    margin-right: auto;
    background-color: rgba(255, 255, 255, .8);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    border-radius: .75rem;
    box-shadow: 0 1rem 2.5rem rgba(0, 0, 0, .15);
}

.hero-card-title {
    color: var(--horse-green);
}

.application-card {
    background-color: #fff;
    border-radius: .75rem;
    box-shadow: 0 1.5rem 3rem rgba(0, 0, 0, .25);
    padding: 2.5rem 2rem;
}

.application-card h2 {
    color: var(--elk-navy);
    font-weight: 700;
    font-size: 1.5rem;
}

.application-card .form-control {
    border-radius: .4rem;
    border-color: #ced4da;
}

.application-card .form-control:focus {
    border-color: var(--elk-blue-lighter);
    box-shadow: 0 0 0 .2rem rgba(86, 159, 247, .25);
}

.application-card label {
    font-weight: 600;
    color: var(--elk-navy);
    font-size: .9rem;
}

/* ---------- Use of funds ---------- */
.home-uses {
    background-color: var(--horse-beige);
    padding: 4rem 0;
}

.home-uses h2 {
    color: var(--horse-red-dark);
    font-weight: 700;
}

.use-col {
    position: relative;
    text-align: center;
    margin-bottom: 2rem;
}

.use-icon {
    position: relative;
    z-index: 1;
    width: 110px;
    height: 110px;
    margin: 0 auto 1.75rem;
    background-color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 .5rem 1.5rem rgba(117, 58, 30, .1);
}

.use-icon img {
    width: 100%;
    height: 100%;
    object-fit: contain;
    border-radius: 50%;
}

.use-col h3 {
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--horse-red-dark);
    margin-bottom: .75rem;
}

.use-col p {
    color: #555;
    margin-bottom: 0;
}

@media (min-width: 768px) {
    .use-col:not(:first-child)::before {
        content: '';
        position: absolute;
        top: 55px;
        left: 0;
        width: 60px;
        height: 1px;
        background: rgba(117, 58, 30, .3);
        transform: translateX(-100%);
    }
}

/* ---------- Why choose us ---------- */
.home-features {
    background-image: url('/assets/images/home-section-bg.jpg');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: 4rem 0;
}

.home-features h2 {
    color: var(--horse-green);
    font-weight: 700;
}

.feature-list {
    max-width: 700px;
}

.feature-row {
    display: flex;
    align-items: center;
    gap: 1.75rem;
    margin-bottom: 2.5rem;
}

.feature-row:last-child {
    margin-bottom: 0;
}

.feature-icon {
    flex-shrink: 0;
    width: 150px;
    height: 150px;
    border-radius: 50%;
    background-color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 .5rem 1.5rem rgba(0, 0, 0, .08);
}

.feature-icon i {
    font-size: 2rem;
    color: var(--horse-green);
}

.feature-icon img {
    max-width: 65%;
    max-height: 65%;
    object-fit: contain;
}

.feature-text {
    text-align: left;
}

.feature-text h5 {
    color: var(--horse-green);
    font-weight: 700;
    font-size: 1.25rem;
    margin-bottom: .5rem;
}

.feature-text p {
    color: #444;
    margin-bottom: 0;
}

/* ---------- CTA ---------- */
.apply-cta {
    background-color: var(--horse-green-light);
    color: #fff;
    padding: 2.5rem 0;
}

.apply-cta h2 {
    font-weight: 700;
    font-size: 2rem;
    margin: 0 0 1rem;
}

.apply-cta .btn-horse-primary {
    border-color: transparent;
    padding: 1rem 4.5rem;
    font-size: 1.15rem;
}

.apply-cta .btn-horse-primary:hover,
.apply-cta .btn-horse-primary:focus,
.apply-cta .btn-horse-primary:active {
    color: #fff;
    background-color: var(--horse-green);
    border-color: transparent;
}

.hero-panel .btn-horse-primary:hover,
.hero-panel .btn-horse-primary:focus,
.hero-panel .btn-horse-primary:active {
    color: #fff;
    background-color: var(--horse-green);
    border-color: var(--horse-green);
}

/* ---------- Footer ---------- */
.site-footer {
    background-color: var(--horse-green);
    color: #cfd8e8;
    padding: 3.5rem 0 1.5rem;
}

.site-footer a {
    color: #cfd8e8;
}

.site-footer a:hover {
    color: #fff;
}

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

.site-footer ul li {
    margin-bottom: .5rem;
}

.social-icons a {
    display: inline-block;
    margin: 0 .5rem 1rem;
    font-size: 1.75rem;
}

.footer-disclaimer {
    font-size: .85rem;
    color: white;
}

.footer-disclaimer p {
    margin-bottom: .85rem;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, .15);
    margin-top: 1.5rem;
    padding-top: 1.5rem;
}

.footer-brand {
    gap: 1rem;
    margin-bottom: 1rem;
}

.footer-logo-img {
    max-width: 90px;
}

.footer-address p {
    font-size: .9rem;
}

.footer-ssl-badge {
    max-height: 55px;
}

@media (max-width: 767.98px) {

    .application-card {
        padding: 1.75rem 1.25rem;
    }

    .home-uses {
        padding: 1.5rem 0;
    }

    .home-features {
        padding: 1.75rem 0;
    }

    .home-features h2 {
        text-align: center;
    }

    .feature-row {
        flex-direction: column;
        text-align: center;
        gap: .75rem;
    }

    .feature-text {
        text-align: center;
    }

    .masthead {

        padding: 1rem 0;
    }

    .logo {
        width: 6rem;
    }

    .hero-panel h1 {
        font-size: 24px;
    }

    .hero-panel p {
        font-size: 20px;
    }

    .rate-text {
        font-size: 16px !important;
    }

}

.form-error-large {
    color: red;
    font-size: 1.5rem;
    text-align: center;
    width: 100%
}

.form-error {
    color: darkred;
    font-size: 1rem;
}

.text-dark-red {
    color: var(--horse-red-dark);
}