/* Base Styles */
:root {
    /* Font settings */
    --font-primary: 'Roboto', 'Arial', sans-serif;
    --font-secondary: 'Open Sans', 'Arial', sans-serif;
    
    /* Spacing */
    --spacing-xs: 0.25rem;
    --spacing-sm: 0.5rem;
    --spacing-md: 1rem;
    --spacing-lg: 1.5rem;
    --spacing-xl: 2rem;
    --spacing-xxl: 3rem;
    
    /* Border radius */
    --radius-sm: 0.25rem;
    --radius-md: 0.5rem;
    --radius-lg: 1rem;
    --radius-full: 9999px;
    
    /* Shadows */
    --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.1);
    --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px rgba(0, 0, 0, 0.1);
    
    /* Transitions */
    --transition-fast: 0.2s ease;
    --transition-normal: 0.3s ease;
    --transition-slow: 0.5s ease;
    
    /* Z-index layers */
    --z-header: 100;
    --z-modal: 200;
}

.contact-phone{
	    padding-left: 30px;
	
}

.btn.btn-secondary:hover {
  
  background:green;!important
}
  .btn.btn-danger:hover {
  
  background:red;!important
}
/*
.mfo-card-footer a:hover {
  
  background:green;!important
}

*/
.mfo-card-footer2 a:hover {
  
  background:red;!important
}

/* Reset and Base Styles */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    font-size: 16px;
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-primary);
    line-height: 1.6;
    color: var(--text);
    background-color: var(--background);
    min-height: 100vh;
    transition: background-color var(--transition-normal), color var(--transition-normal);
}

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

a {
    color: var(--primary);
    text-decoration: none;
    transition: color var(--transition-fast);
}

a:hover {
    color: var(--secondary);
}

ul, ol {
    list-style-position: inside;
}

button, input, select, textarea {
    font-family: inherit;
    font-size: inherit;
    color: inherit;
}

button {
    cursor: pointer;
    border: none;
    background: none;
}

.visually-hidden {
    position: absolute;
    width: 1px;
    height: 1px;
    margin: -1px;
    padding: 0;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    border: 0;
}

/* Container */
.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--spacing-md);
}

@media (min-width: 768px) {
    .container {
        padding: 0 var(--spacing-lg);
    }
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: var(--spacing-md);
    color: var(--primary);
}

h1 {
    font-size: 2rem;
}

h2 {
    font-size: 1.75rem;
}

h3 {
    font-size: 1.5rem;
}

h4 {
    font-size: 1.25rem;
}

h5 {
    font-size: 1.125rem;
}

h6 {
    font-size: 1rem;
}

p {
    margin-bottom: var(--spacing-md);
}

@media (min-width: 768px) {
    h1 {
        font-size: 2.5rem;
    }
    
    h2 {
        font-size: 2rem;
    }
    
    h3 {
        font-size: 1.75rem;
    }
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.75rem 1.5rem;
    border-radius: var(--radius-md);
    font-weight: 600;
    text-align: center;
    transition: all var(--transition-fast);
    white-space: nowrap;
    cursor: pointer;
    min-height: 44px;
}

.btn-primary {
    background-color: #0056b3;
    color: white;
}
.btn-primary1 {
    background-color: white;
    color: black;
}

.btn-primary:hover {
    background-color: blue;
    color: white;
}

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

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

.btn-danger {
    background-color: var(--danger);
    color: white;
}

.btn-danger:hover {
    background-color: var(--danger-dark);
    color: white;
}

.btn-cta {
    background-color: var(--secondary);
    color: white;
    font-size: 1.125rem;
    padding: 0.875rem 2rem;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
}

.btn-cta:hover {
    background-color: green;
    color: white;
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

/* Header */
header {
    position: sticky;
    top: 0;
    background-color: var(--background);
    box-shadow: var(--shadow-sm);
    z-index: var(--z-header);
    padding: var(--spacing-sm) 0;
    transition: background-color var(--transition-normal), box-shadow var(--transition-normal);
}

.header-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 60px;
}

.logo {
    display: flex;
    align-items: center;
}

.logo-link {
    display: flex;
    align-items: center;
    color: var(--primary);
    font-weight: 700;
    font-size: 1.25rem;
}

.logo-icon {
    margin-right: var(--spacing-xs);
    color: var(--primary);
}

.main-nav {
    display: flex;
    align-items: center;
}

.menu-toggle {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    width: 24px;
    height: 18px;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 0;
    z-index: 10;
}

.menu-icon {
    position: relative;
    width: 24px;
    height: 2px;
    background-color: var(--text);
    transition: all var(--transition-fast);
}

.menu-icon::before,
.menu-icon::after {
    content: '';
    position: absolute;
    width: 24px;
    height: 2px;
    background-color: var(--text);
    transition: all var(--transition-fast);
}

.menu-icon::before {
    transform: translateY(-8px);
}

.menu-icon::after {
    transform: translateY(8px);
}

.menu-toggle[aria-expanded="true"] .menu-icon {
    background-color: transparent;
}

.menu-toggle[aria-expanded="true"] .menu-icon::before {
    transform: rotate(45deg);
}

.menu-toggle[aria-expanded="true"] .menu-icon::after {
    transform: rotate(-45deg);
}

.nav-list {
    display: none;
    position: absolute;
    top: 60px;
    left: 0;
    width: 100%;
    background-color: var(--background);
    box-shadow: var(--shadow-md);
    padding: var(--spacing-md) 0;
    list-style: none;
    flex-direction: column;
    align-items: center;
}

.menu-toggle[aria-expanded="true"] + .nav-list {
    display: flex;
}

.nav-item {
    width: 100%;
    text-align: center;
}

.nav-link {
    display: block;
    padding: var(--spacing-md);
    color: var(--text);
    font-weight: 500;
    transition: color var(--transition-fast);
}

.nav-link:hover {
    color: var(--primary);
}

.header-actions {
    display: flex;
    align-items: center;
}

.contact-phone {
    display: none;
}

.phone-link {
    color: var(--text);
    font-weight: 500;
    margin-right: var(--spacing-md);
}

.theme-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: var(--radius-full);
    background-color: transparent;
    color: var(--text);
    transition: background-color var(--transition-fast);
    margin-left: var(--spacing-sm);
}

.theme-toggle:hover {
    background-color: rgba(0, 0, 0, 0.05);
}

.dark-theme .theme-toggle:hover {
    background-color: rgba(255, 255, 255, 0.1);
}

.theme-icon {
    width: 24px;
    height: 24px;
}

.theme-icon.light {
    display: block;
}

.theme-icon.dark {
    display: none;
}

.dark-theme .theme-icon.light {
    display: none;
}

.dark-theme .theme-icon.dark {
    display: block;
}

@media (min-width: 768px) {
    .menu-toggle {
        display: none;
    }
    
    .nav-list {
        display: flex;
        position: static;
        width: auto;
        background-color: transparent;
        box-shadow: none;
        padding: 0;
        flex-direction: row;
    }
    
    .nav-item {
        width: auto;
        margin: 0 var(--spacing-sm);
    }
    
    .nav-link {
        padding: var(--spacing-sm);
    }
    
    .contact-phone {
        display: block;
    }
}

/* Hero Section */
.hero-section {
    padding: var(--spacing-xl) 0;
    background-color: var(--card);
    position: relative;
    overflow: hidden;
}

.hero-content {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
}

.hero-text {
    max-width: 600px;
    margin-bottom: var(--spacing-xl);
}

.hero-title {
    font-size: 2.5rem;
    margin-bottom: var(--spacing-sm);
    color: var(--primary);
}

.hero-subtitle {
    font-size: 1.5rem;
    margin-bottom: var(--spacing-lg);
    color: var(--text);
    font-weight: 500;
}

.hero-description {
    margin-bottom: var(--spacing-lg);
    font-size: 1.125rem;
}

.hero-features {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    margin-bottom: var(--spacing-lg);
    gap: var(--spacing-md);
    padding: 0 var(--spacing-sm);
}

@media (max-width: 768px) {
  .feature-item {
    flex: 1 1 100%;
    max-width: 100%;
  }
}

.feature-item {
    display: flex;
    align-items: center;
    margin: 0;
    padding-bottom: 10px;
    flex: 1 1 300px;
    max-width: 450px;
}
/*
.header-actions a:hover{
	
	background:blue;
}

*/
.btn btn-primary1 submit:hover{
	
	background:blue;
}

.feature-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: var(--radius-full);
    background-color: var(--primary);
    color: white;
    margin-right: var(--spacing-xs);
}

.feature-text {
    font-weight: 500;
}

.hero-image {
    width: 100%;
    max-width: 500px;
    margin-top: var(--spacing-lg);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

@media (min-width: 768px) {
    .hero-section {
        padding: var(--spacing-xxl) 0;
    }
    
    .hero-content {
        flex-direction: row;
        text-align: left;
        align-items: center;
        justify-content: space-between;
    }
    
    .hero-text {
        margin-bottom: 0;
        margin-right: var(--spacing-xl);
    }
    
    .hero-features {
        justify-content: flex-start;
    }
   
    .hero-image {
        margin-top: 0;
    }
}

/* MFO Sections */
.mfo-section {
    padding: var(--spacing-xl) 0;
}

.section-title {
    text-align: center;
    margin-bottom: var(--spacing-sm);
    color: var(--primary);
}

.section-subtitle {
    text-align: center;
    margin-bottom: var(--spacing-xl);
    color: var(--muted);
    font-size: 1.125rem;
}

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

.mfo-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xl);
}

.mfo-card {
    background-color: var(--card);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    overflow: hidden;
    transition: transform var(--transition-fast), box-shadow var(--transition-fast);
    display: flex;
    flex-direction: column;
    height: 100%;
    border: 1px solid var(--border);
}

.mfo-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.mfo-card-header {
    padding: var(--spacing-md);
    border-bottom: 1px solid var(--border);
    display: flex;
    flex-direction: column;
    align-items: center;
    position: relative;
}

.mfo-logo {
    width: 80px;
    height: 80px;
    border-radius: var(--radius-full);
    overflow: hidden;
    margin-bottom: var(--spacing-sm);
    background-color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--border);
}

.mfo-name {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-xs);
    text-align: center;
}

.shield-badge,
.no-reject-badge,
.trust-badge {
    display: flex;
    align-items: center;
    padding: var(--spacing-xs) var(--spacing-sm);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 500;
    margin-top: var(--spacing-xs);
}

.shield-badge {
    background-color: var(--success);
    color: white;
}

.no-reject-badge {
    background-color: var(--accent);
    color: white;
}

.trust-badge {
    background-color: var(--primary);
    color: white;
}

.shield-badge svg,
.no-reject-badge svg,
.trust-badge svg {
    width: 16px;
    height: 16px;
    margin-right: var(--spacing-xs);
}

.mfo-card-body {
    padding: var(--spacing-md);
    flex-grow: 1;
    display: flex;
    flex-direction: column;
}

.mfo-rating {
    display: flex;
    align-items: center;
    margin-bottom: var(--spacing-md);
}

.stars {
    display: flex;
    margin-right: var(--spacing-sm);
}

.star {
    position: relative;
    display: inline-block;
    width: 20px;
    height: 20px;
    margin-right: 2px;
}

.star::before,
.star::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 20px;
    height: 20px;
    background-repeat: no-repeat;
    background-position: center;
    background-size: contain;
}

.star::before {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%23e0e0e0' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolygon points='12 2 15.09 8.26 22 9.27 17 14.14 18.18 21.02 12 17.77 5.82 21.02 7 14.14 2 9.27 8.91 8.26 12 2'%3E%3C/polygon%3E%3C/svg%3E");
}

.star.filled::after {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='%23ffc107' stroke='%23ffc107' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolygon points='12 2 15.09 8.26 22 9.27 17 14.14 18.18 21.02 12 17.77 5.82 21.02 7 14.14 2 9.27 8.91 8.26 12 2'%3E%3C/polygon%3E%3C/svg%3E");
    width: 100%;
}

.star.half-filled::after {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='%23ffc107' stroke='%23ffc107' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolygon points='12 2 15.09 8.26 22 9.27 17 14.14 18.18 21.02 12 17.77 5.82 21.02 7 14.14 2 9.27 8.91 8.26 12 2'%3E%3C/polygon%3E%3C/svg%3E");
    width: 50%;
    overflow: hidden;
}

.rating-value {
    font-weight: 500;
    color: var(--text);
}

.mfo-details {
    list-style: none;
    margin-bottom: var(--spacing-md);
}

.mfo-details li {
    display: flex;
    justify-content: space-between;
    margin-bottom: var(--spacing-xs);
    padding-bottom: var(--spacing-xs);
    border-bottom: 1px dashed var(--border);
}

.detail-label {
    color: var(--muted);
}

.detail-value {
    font-weight: 500;
}

.approval-rate {
    color: var(--success);
    font-weight: 700;
}

.mfo-feature {
    margin-top: auto;
    margin-bottom: var(--spacing-md);
}

.feature-badge {
    display: inline-block;
    padding: var(--spacing-xs) var(--spacing-sm);
    background-color: rgba(0, 86, 179, 0.1);
    color: var(--primary);
    border-radius: var(--radius-sm);
    font-size: 0.875rem;
    font-weight: 500;
}

.mfo-review {
    background-color: rgba(0, 0, 0, 0.03);
    border-radius: var(--radius-md);
    padding: var(--spacing-md);
    margin-top: var(--spacing-md);
    font-size: 0.875rem;
}

.dark-theme .mfo-review {
    background-color: rgba(255, 255, 255, 0.05);
}

.review-text {
    font-style: italic;
    margin-bottom: var(--spacing-xs);
}

.review-author {
    font-weight: 500;
    text-align: right;
    margin-bottom: 0;
}

.mfo-stats {
    display: flex;
    justify-content: center;
    margin-top: var(--spacing-md);
}

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

.stat-value {
    display: block;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
}

.stat-label {
    font-size: 0.875rem;
    color: var(--muted);
}

.mfo-card-footer {
    padding: var(--spacing-md);
    border-top: 1px solid var(--border);
    text-align: center;
}

.mfo-card-footer2 {
    padding: var(--spacing-md);
    border-top: 1px solid var(--border);
    text-align: center;
}

/* Premium MFO Cards */
.premium-grid {
    margin-top: var(--spacing-lg);
}

.premium-card {
    border: 2px solid var(--accent);
    position: relative;
}

.premium-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 5px;
    background: linear-gradient(90deg, var(--accent), var(--warning));
}

.urgency-banner {
    background-color: var(--danger);
    color: white;
    padding: var(--spacing-md);
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-xl);
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.timer {
    display: flex;
    align-items: center;
    margin-bottom: var(--spacing-sm);
}

.timer svg {
    margin-right: var(--spacing-xs);
}

.timer-text {
    font-weight: 600;
}

.countdown {
    font-weight: 700;
    letter-spacing: 1px;
}

.urgency-text {
    margin-bottom: 0;
    font-size: 0.875rem;
}

@media (min-width: 576px) {
    .mfo-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .mfo-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .premium-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

/* About Section */
.about-section {
    padding: var(--spacing-xl) 0;
    background-color: var(--card);
}

.about-content {
    display: flex;
    flex-direction: column;
    margin-bottom: var(--spacing-xl);
}

.about-image {
    width: 100%;
    margin-bottom: var(--spacing-lg);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.about-text {
    flex: 1;
}

.about-section-item {
    margin-bottom: var(--spacing-lg);
}

.about-subtitle {
    color: var(--primary);
    margin-bottom: var(--spacing-md);
    font-size: 1.25rem;
}

.about-list {
    list-style-type: none;
    margin-bottom: var(--spacing-md);
}

.about-list li {
    position: relative;
    padding-left: 1.5rem;
    margin-bottom: var(--spacing-xs);
}

.about-list li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 0.5rem;
    width: 0.5rem;
    height: 0.5rem;
    border-radius: 50%;
    background-color: var(--primary);
}

.about-stats {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-xl);
}

.stat-card {
    display: flex;
    align-items: center;
    padding: var(--spacing-md);
    background-color: var(--background);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
}

.stat-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 60px;
    height: 60px;
    border-radius: var(--radius-full);
    background-color: rgba(0, 86, 179, 0.1);
    color: var(--primary);
    margin-right: var(--spacing-md);
    flex-shrink: 0;
}

.stat-content {
    flex: 1;
}

.stat-number {
    display: block;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
    line-height: 1.2;
}

.stat-text {
    font-size: 0.875rem;
    color: var(--muted);
}

.contact-form-container {
    background-color: var(--background);
    border-radius: var(--radius-lg);
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-md);
    margin-bottom: var(--spacing-xl);
    border: 1px solid var(--border);
}

.form-title {
    text-align: center;
    margin-bottom: var(--spacing-lg);
}

.contact-form {
    max-width: 600px;
    margin: 0 auto;
}

.form-group {
    margin-bottom: var(--spacing-md);
}

.form-group label {
    display: block;
    margin-bottom: var(--spacing-xs);
    font-weight: 500;
}

.form-group input,
.form-group textarea {
    width: 100%;
    padding: 0.75rem;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    background-color: var(--background);
    transition: border-color var(--transition-fast);
}

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

.form-checkbox {
    display: flex;
    align-items: flex-start;
}

.form-checkbox input {
    width: auto;
    margin-right: var(--spacing-sm);
    margin-top: 0.25rem;
}

.form-checkbox label {
    font-size: 0.875rem;
    margin-bottom: 0;
}

.certificates {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: var(--spacing-md);
}

.certificate-item {
    flex: 0 0 calc(50% - var(--spacing-md));
    max-width: 200px;
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
}

@media (min-width: 768px) {
    .about-content {
        flex-direction: row;
        align-items: flex-start;
    }
    
    .about-image {
        width: 40%;
        margin-right: var(--spacing-xl);
        margin-bottom: 0;
    }
    
    .about-text {
        width: 60%;
    }
    
    .about-stats {
        grid-template-columns: repeat(4, 1fr);
    }
    
    .certificate-item {
        flex: 0 0 calc(33.333% - var(--spacing-md));
    }
}

/* SEO Content Section */
.seo-content-section {
    padding: var(--spacing-xl) 0;
}

.seo-content {
    max-width: 800px;
    margin: 0 auto;
}

.seo-content h3 {
    color: var(--primary);
    margin-top: var(--spacing-lg);
    margin-bottom: var(--spacing-md);
}

.seo-content p {
    margin-bottom: var(--spacing-md);
}

.seo-content ul,
.seo-content ol {
    margin-bottom: var(--spacing-md);
    padding-left: var(--spacing-md);
}

.seo-content li {
    margin-bottom: var(--spacing-xs);
}

.seo-links {
    display: flex;
    flex-wrap: wrap;
    gap: var(--spacing-md);
    margin-top: var(--spacing-xl);
    padding: var(--spacing-md);
    background-color: var(--card);
    border-radius: var(--radius-md);
    border: 1px solid var(--border);
}

.seo-links a {
    color: var(--primary);
    font-weight: 500;
}

/* Footer */
footer {
    background-color: var(--primary);
    color: white;
    padding: var(--spacing-xl) 0 var(--spacing-md);
   
}

.footer-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
}

.footer-column {
    margin-bottom: var(--spacing-lg);
}

.footer-logo {
    display: flex;
    align-items: center;
    margin-bottom: var(--spacing-md);
}

.footer-logo .logo-icon {
    color: white;
}

.footer-logo .logo-text {
    color: white;
    font-weight: 700;
    font-size: 1.25rem;
}

.footer-description {
    margin-bottom: var(--spacing-md);
    opacity: 0.8;
}

.footer-title {
    color: white;
    margin-bottom: var(--spacing-md);
    font-size: 1.125rem;
}

.footer-contacts {
    margin-bottom: var(--spacing-md);
}

.contact-item {
    display: flex;
    align-items: center;
    margin-bottom: var(--spacing-sm);
}

.contact-item svg {
    margin-right: var(--spacing-sm);
    color: rgba(255, 255, 255, 0.7);
}

.contact-item a {
    color: white;
}

.social-links {
    display: flex;
    gap: var(--spacing-md);
}

.social-link {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: var(--radius-full);
    background-color: rgba(255, 255, 255, 0.1);
    color: white;
    transition: background-color var(--transition-fast);
}

.social-link:hover {
    background-color: rgba(255, 255, 255, 0.2);
    color: white;
}

.footer-links {
    list-style: none;
    margin-bottom: var(--spacing-md);
}

.footer-links li {
    margin-bottom: var(--spacing-sm);
}

.footer-links a {
    color: rgba(255, 255, 255, 0.8);
    transition: color var(--transition-fast);
}

.footer-links a:hover {
    color: white;
}

.footer-disclaimer {
    font-size: 0.875rem;
    opacity: 0.7;
    margin-top: var(--spacing-md);
}

.footer-disclaimer p {
    margin-bottom: var(--spacing-sm);
}

.subscribe-form {
    margin-bottom: var(--spacing-lg);
}

.subscribe-form .form-group {
    display: flex;
    margin-bottom: var(--spacing-md);
}

.subscribe-form input {
    flex: 1;
    padding: 0.75rem;
    border: none;
    border-radius: var(--radius-md) 0 0 var(--radius-md);
    background-color: rgba(255, 255, 255, 0.1);
    color: white;
}

.subscribe-form input::placeholder {
    color: rgba(255, 255, 255, 0.5);
}

.subscribe-form button {
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    padding: 0.75rem 1rem;
}

.partners-logos {
    display: flex;
    gap: var(--spacing-md);
    align-items: center;
}

.partners-logos a {
    display: block;
    background-color: white;
    padding: var(--spacing-xs);
    border-radius: var(--radius-sm);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: var(--spacing-md);
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
	padding: 25px;
}

.copyright {
    margin-bottom: var(--spacing-sm);
    font-size: 0.875rem;
    opacity: 0.7;
}

.responsible-lending {
    font-size: 0.875rem;
    opacity: 0.7;
}

@media (min-width: 768px) {
    .footer-content {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .footer-bottom {
        flex-direction: row;
        justify-content: space-between;
        text-align: left;
    }
    
    .copyright {
        margin-bottom: 0;
    }
}

@media (min-width: 992px) {
    .footer-content {
        grid-template-columns: 2fr 1fr 1fr 2fr;
    }
}

/* Modal */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(0, 0, 0, 0.5);
    z-index: var(--z-modal);
    overflow-y: auto;
}

.modal.active {
    display: block;
}

.modal-content {
    background-color: var(--background);
    margin: 10% auto;
    width: 90%;
    max-width: 800px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.modal-header {
    padding: var(--spacing-md);
    border-bottom: 1px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.modal-header h3 {
    margin-bottom: 0;
}

.modal-close {
    background: none;
    border: none;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--muted);
}

.modal-body {
    padding: var(--spacing-lg);
    max-height: 70vh;
    overflow-y: auto;
}

@media (min-width: 768px) {
    .modal-content {
        margin: 5% auto;
        width: 80%;
    }
}

/* Animations */
@keyframes fadeIn {
    from {
        opacity: 0;
    }
    to {
        opacity: 1;
    }
}

@keyframes slideUp {
    from {
        transform: translateY(20px);
        opacity: 0;
    }
    to {
        transform: translateY(0);
        opacity: 1;
    }
}

.fade-in {
    animation: fadeIn var(--transition-normal) forwards;
}

.slide-up {
    animation: slideUp var(--transition-normal) forwards;
}

/* Utility Classes */
.text-center {
    text-align: center;
}

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

.text-right {
    text-align: right;
}

.mt-0 {
    margin-top: 0;
}

.mb-0 {
    margin-bottom: 0;
}

.mt-1 {
    margin-top: var(--spacing-sm);
}

.mb-1 {
    margin-bottom: var(--spacing-sm);
}

.mt-2 {
    margin-top: var(--spacing-md);
}

.mb-2 {
    margin-bottom: var(--spacing-md);
}

.mt-3 {
    margin-top: var(--spacing-lg);
}

.mb-3 {
    margin-bottom: var(--spacing-lg);
}

.mt-4 {
    margin-top: var(--spacing-xl);
}

.mb-4 {
    margin-bottom: var(--spacing-xl);
}

.mt-5 {
    margin-top: var(--spacing-xxl);
}

.mb-5 {
    margin-bottom: var(--spacing-xxl);
}

.mfo-top {
  background-color: #f9fafc;
  padding: 40px 20px;
  border-radius: 16px;
  margin-bottom: 40px;
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.05);
}

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

.mfo-top-heading h2 {
  font-size: 30px;
  margin-bottom: 10px;
  font-weight: 700;
}

.mfo-top-heading p {
  font-size: 16px;
  color: #666;
}

.mfo-name.top-pick {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 24px;
  font-weight: 700;
}

.mfo-name .badge {
  background-color: #ff9800;
  color: #fff;
  font-size: 12px;
  padding: 4px 10px;
  border-radius: 6px;
  text-transform: uppercase;
}

table {
  width: 100%;
  border-collapse: collapse;
  font-family: Arial, sans-serif;
  font-size: 16px;
  color: #333;
  margin: 20px 0;
  box-shadow: 0 2px 5px rgba(0,0,0,0.1);
}

thead {
  background-color: #0056B3;
  color: #fff;
  text-align: left;
}

thead th {
  padding: 12px 15px;
  border-bottom: 2px solid #004080;
}

tbody tr {
  border-bottom: 1px solid #ddd;
  transition: background-color 0.3s ease;
}

tbody tr:hover {
  background-color: #f1f9ff;
}

tbody td {
  padding: 12px 15px;
  vertical-align: middle;
}

tbody tr:last-child {
  border-bottom: none;
}

strong {
  color: #004080;
}


.media-left {
  float: left;
  clear: both;
  width: var(--media-size, 200px);
  aspect-ratio: 1 / 1;
  margin: var(--h2-half-line, .99em) 1.5rem .75rem 0;
}
.media-right {
  float: right;
  clear: both;
  width: var(--media-size, 200px);
  aspect-ratio: 1 / 1;
  margin: var(--h2-half-line, .99em) 0 .75rem 1.5rem;
}
.media-left > img,
.media-right > img {
  display:block; width:100%; height:100%; object-fit:cover;
}

@media (max-width:768px){
  .media-left, .media-right{
    float:none; clear:none;
    margin:0 auto 1rem;
    width:clamp(96px,30vw,160px);
  }
}



.hero-media{
  margin: 0;
  width: 100%;
  max-width: 520px;
  aspect-ratio: 1 / 1;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.hero-media img{
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.content-block{ display: flow-root;}

html { scroll-behavior: smooth; }
:root { --header-h: 80px; }
.section-title { scroll-margin-top: var(--header-h); }

@media (max-width: 768px) {
  .hero-section .container { padding-left: 16px; padding-right: 16px; }
  .hero-section { overflow: visible; }

  .hero-section .hero-content {
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
  }

  .hero-section .hero-text,
  .hero-section .hero-text1,
  .hero-section .hero-title,
  .hero-section .hero-subtitle,
  .hero-section p {
    max-width: 100%;
    text-align: left;
    white-space: normal;
    overflow-wrap: anywhere;
    word-break: break-word;
    hyphens: auto;
  }

  .hero-section .hero-title {
    font-size: clamp(24px, 7vw, 40px);
    line-height: 1.2;
    margin-bottom: 8px;
  }
  .hero-section .hero-subtitle {
    font-size: clamp(16px, 4.5vw, 20px);
    line-height: 1.45;
  }

  .hero-section .btn,
  .hero-section [class*="btn"] { white-space: normal; }
}


table th,
table td {
  white-space: nowrap;
}

.table-wrap {
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}