@charset "UTF-8";
/* CSS Document */

* { box-sizing: border-box; margin: 0; padding: 0; }
    body { font-family: "avenir-next-lt-pro", sans-serif;
		line-height: 1.6; 
		color: #333; 
		background: #fff; }
    header {
      background: #045435;
      border-bottom: 2px solid #396e3c;
      padding: 1rem 2rem;
      position: fixed;
      width: 100%;
      z-index: 1000;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

.nav-container a {
	line-height: 1.5;
}

    header nav a {
      margin-left: 1.25rem;
      text-decoration: none;
      color: #fff;
      font-size: 1.2rem;
		font-family: "avenir-next-lt-pro", sans-serif;
		font-weight: 700;
		font-style: normal;
    }

	header nav a:hover {
	  color: #0cc176; 
	  transition: color 0.3s ease;
	}

    h2 {
      color: #353535;
      font-size: 2.5rem;
      margin-bottom: 1rem;
		font-weight: 700;
		letter-spacing: -1px;
    }

    h3 {
        font-size: 1.3rem;
    	margin-bottom: 1.4rem;
	}

	h4 {
      font-size: 1.3rem;
      margin-bottom: .1rem;
	  line-height: 1.3;
	}

p {
	font-size: 18px;
}

@media (max-width: 900px) {
	p {
		font-size: 16px;
	}
}


.form--section h2 {
	font-size: 2em;
}

.feature-head h2 {
	margin-bottom: 0;
}

.apply-icons {
	width: 37px;
    margin-right: 12px;
    display: inline-block;
    margin-top: -8px;
}

img.check-status {
	width: 63px;
    margin: 0 auto;
    display: block;
    padding: 10px;
}

.hamburger {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 24px;
  height: 18px;
  background: none;
  border: none;
  cursor: pointer;
  z-index: 1100;
}

.hamburger .bar {
  height: 3px;
  width: 100%;
  background-color: #fff;
  border-radius: 2px;
  transition: all 0.3s ease;
}

.hamburger.open .bar:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.hamburger.open .bar:nth-child(2) {
  opacity: 0;
}

.hamburger.open .bar:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

.nav-menu {
  display: flex;
  gap: 0;
  transition: max-height 0.4s ease;
  align-items: center;
  margin-left: auto;
}

.header-gap {
	padding-top: 7.5em;
}

.cq-header-gap {
	padding-top: 5em;
}

.light-green-bg {
	background-color: #f5f5f5;
}

.border-radius {
	border-radius: 10px;
}

.last {
	margin-bottom: 0 !important;
}

@media (min-width: 1200px) {
	.header-gap, .cq-header-gap {
		padding-top: 9em;
	}
}

@media (max-width: 1090px) {
  .hamburger {
    display: flex;
	  margin-left: auto;
	  margin-top: 18px;
  }

  .nav-menu {
		position: absolute;
		top: 109px;
		left: 0;
		right: 0;
		  background: #262626;
		flex-direction: column;
		align-items: normal;
		max-height: 0;
		overflow: hidden;
	}
	  
	  header nav a {
      margin-left: 0;
      text-decoration: none;
      color: #fff;
      font-size: 1.2rem;
		font-family: "avenir-next-lt-pro", sans-serif;
font-weight: 700;
font-style: normal;
		padding: 14px;
    }
}

  .nav-menu.open {
    max-height: 300px;
	 
  }

.logo { height: 75px; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0rem 2rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: left;
}
      
.nav-container {
	max-width: 1200px;
    margin: 0 auto;
    display: flex;
    width: 100%;
}

.hero {
  background: #fff;
  padding: 6.3rem 0rem 0rem;
  color: #fff;

}
.hero-text {
  max-width: 714px;
  padding-right: 2rem;
	margin-bottom: 4em;
	margin-top: 3em;
}
.hero h1 {
  font-size: 3.5rem;
  line-height: 1.2;
  margin-bottom: 1.2rem;
  font-family: "avenir-next-lt-pro", sans-serif;
	font-weight: 700;
	font-style: normal;
	letter-spacing: -1px;

}

.hero ul {
  list-style: none;
  margin-bottom: 2rem;
}

.hero ul li {
  margin-bottom: 0.75rem;
  font-size: 1.3rem;
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 400;
	color:#fff;
 }

.hero ul li::before {
  margin-right: 0.5rem;
  color: #b4ffcb;
  font-weight: bold;
}

.bg-img {
  background: url('../images/bpd-hero.jpg') no-repeat;
  min-height: 347px;
  background-position: 80% 0%;
  background-size: cover;
	width: 100%;
}

.btn, input[type="submit"].submit-btn, .calc-btn {
  background: #f66302;
  color: #fff;
  padding: 0.85rem 1.75rem;
  font-size: 1.05rem;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  font-weight: bold;
  transition: background-color 0.3s ease;
}

input[type="submit"].submit-btn {
    margin: 29px auto;
    width: 100%;
    max-width: 300px;
    display: block;
}

/*-- input[type="submit"].submit-btn {
    border: 0;
    background: #35a546;
    background-image: -webkit-gradient(linear, left top, left bottom, from(#35a546), to(#285c13));
    background-image: -webkit-linear-gradient(top, #35a546, #285c13);
    background-image: -moz-linear-gradient(top, #35a546, #285c13);
    background-image: -ms-linear-gradient(top, #35a546, #285c13);
    background-image: -o-linear-gradient(top, #35a546, #285c13);
    background-image: linear-gradient(to bottom, #35a546, #285c13);
	filter: progid:DXImageTransform.Microsoft.gradient(GradientType=0, startColorstr=#35a546, endColorstr=#285c13);
    color: #fff;
    display: inline-block;
    text-transform: uppercase;
    text-decoration: none;
    padding: .65em 2.0em;
    font-weight: 700;
    font-size: 30px;
    border-radius: 0px;
    -webkit-border-radius: 0px;
    -o-border-radius: 0px;
    -ms-border-radius: 0px;
    -moz-border-radius: 0px;
} --*/

.btn:hover, input[type="submit"].submit-btn:hover, .calc-btn:hover {
  background: #c05c00;
  color: #fff;
  padding: 0.85rem 1.75rem;
  font-size: 1.05rem;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  font-weight: bold;
}
/*-- input[type="submit"].submit-btn:hover {
    background: #285c13;
    background-image: -webkit-gradient(linear, left top, left bottom, from(#285c13), to(#288004));
    background-image: -webkit-linear-gradient(top, #285c13, #288004);
    background-image: -moz-linear-gradient(top, #285c13, #288004);
    background-image: -ms-linear-gradient(top, #285c13, #288004);
    background-image: -o-linear-gradient(top, #285c13, #288004);
    background-image: linear-gradient(to bottom, #285c13, #288004);
filter: progid:DXImageTransform.Microsoft.gradient(GradientType=0, startColorstr=#285c13, endColorstr=#288004);
    color: #fff;
    transition: 0.5s all;
    -webkit-transition: 0.5s all;
    -o-transition: 0.5s all;
    -moz-transition: 0.5s all;
    -ms-transition: 0.5s all;
} --*/

.features {
  background: #ffffff;
  text-align: center;
  padding: 3rem 1rem;
	justify-content: center;
}

.features .container {
	justify-content: center;
}

.boxes {
  padding: 2rem 1rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 2rem;
  text-align: center;
 }

.imagine {
	background: #045435;
	color: #fff;
	font-size: 1.4rem;
	justify-content: center;
	padding: 1rem 0;
	display: flex;
	font-weight: 600;
	text-align: center;
	line-height: 1.5;
}

.imagine p {
	font-size: 1.4rem;
}

.feature {
  flex: 1 1 200px;
  max-width: 220px;
}
.feature img {
  height: 50px;
  margin-bottom: 1rem;
}

.feature h3 {
  font-size: 1.4rem;
  margin-bottom: 0.5rem;
  font-weight: bold;
}

.program-section {
	padding: 0rem 0rem 0;
	gap: 3rem;
	background: #e8efed;
}
.program-text {
  width: 100%;
	margin-bottom: 5em;
}

.program-text h2 {
	text-align: center;
   max-width: 700px;
   margin: 0 auto;
   margin-bottom: 1rem;
   padding-top: 1.1em;
}

.program-text p {
  margin-bottom: 1rem;
 text-align: center;
	max-width: 700px;
   margin: 0 auto;
}
.program-steps {
	margin: 2rem 0;
	max-width: 452px;
	width: 100%;
	padding: 30px;
	background: #fff;
	border-top: 3px solid #2e7d32;
	border-radius: 8px;
}

.step-number {
      background-color: #1a7e3c;
      color: #fff;
      border-radius: 50%;
      width: 32px;
      height: 32px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: bold;
      font-size: 16px;
      margin-right: 20px;
      flex-shrink: 0;
    }

.step {
      display: flex;
      align-items: flex-start;
      margin-bottom: 30px;
    }

.circle-program-bg {
  background: url('../images/circle-gray-bg.png')no-repeat;
  min-height: 347px;
  background-position: 97% 100%;
  background-size: 54%;
}
.bg-program-img {
  background: url('../images/debt-relief-program-bg.jpg') no-repeat;
  min-height: 347px;
  background-position: 80% 100%;
  background-size: cover;
}

.program-image img {
  max-width: 340px;
  border-radius: 8px;
}

.debt-types {
  background: linear-gradient(90deg,rgba(10, 178, 109, 1) 0%, rgba(8, 120, 74, 1) 85%);
  color: white;
  padding: 3rem 2rem;
  text-align: center;
}
.debt-types h2 {
  font-size: 1.8rem;
  margin-bottom: 2rem;
}
.debt-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
  max-width: 700px;
  margin: 0 auto;
  font-size: 1.1rem;
}

.debt-types-section {
  background: #0aa063;
  color: white;
  padding: 4rem 2rem;
}

.debt-types-container {
  max-width: 1200px;
    margin: 0 auto;
    display: flex;
    flex-wrap: wrap;
    align-items: flex-start;
    gap: 3rem;
    justify-content: center;
}

.debt-types-title h2 {
  font-size: 2.1rem;
  font-weight: 700;
  line-height: 1.3;
  margin: 0;
	color: #fff;
}

.debt-types-list {
  display: flex;
  flex-wrap: wrap;
  gap: 4rem;
}

	.debt-types-list span.circle-chevron {
	  border: 2px solid #fff;
	}

	.debt-types-list span.circle-chevron::after {
	  border-right: 2px solid #fff;
	  border-bottom: 2px solid #fff;
	}

.debt-types-list ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.debt-types-list li {
    font-size: 1.3rem;
    font-weight: 600;
    margin-bottom: 1rem;
    position: relative;
    display: flex;
    align-items: center;
	gap: 12px;
}

.debt-types-list li::before {
  color: white;
  font-size: 1.5rem;
  margin-right: 0.75rem;
}

@media (max-width: 768px) {
  .debt-types-container {
    flex-direction: column;
    align-items: center;
  }

  .debt-types-title h2 {
    font-size: 2rem;
  }
	
	 .debt-types-container {
		gap: 1rem;
	}
	
	.debt-section {
		padding: 2.2rem 2rem 5rem;
     }

  .debt-types-list {
    flex-direction: initial;
    gap: 1rem;
    margin-top: 1rem;
    flex-wrap: nowrap;
  }

  .debt-types-list li {
    font-size: 1.25rem;
  }
}

@media (max-width: 480px) {
  .debt-types-section {
    padding: 2rem 1rem;
  }
	
	section.debt-section {
		padding: 2.2rem 2rem 2rem;
     }
	
	section.debt-section h2 {
		margin-bottom:1rem;
	}
	
	section.debt-averages {
		gap: 1rem;
		margin-bottom: 2rem;
	}
	
	section.debt-sectionh3 {
		margin-bottom: 1.2rem;
	}
	
	section.debt-section .benchmark-card {
		width: 310px;
	}

  .debt-types-title h2 {
    font-size: 1.75rem;
	  text-align: center;
  }

  .debt-types-list li {
    font-size: 1.1rem;
  }
}

.benchmarks {
  padding: 4rem 2rem;
  background: #f9f9f9;
  text-align: center;
}
.benchmarks h2 {
  font-size: 2rem;
  color: #00884f;
  margin-bottom: 2.5rem;
}

  .debt-section {
  padding: 4rem 2rem 5rem;
  background: #f9f9f9;
  text-align: center;
}
.debt-section h2 {
  margin-bottom: 2rem;
}

.debt-averages {
  display: flex;
  justify-content: center;
  gap: 2rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}
.debt-averages div {
  background: #fff;
  padding: 1.5rem;
  border: 1px solid #ddd;
  border-radius: 12px;
  width: 380px;
}
.debt-averages strong {
  font-weight: bold;
}

.debt-benchmarks {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.5rem;
}
.benchmark-card {
  background: #fff;
  border: 1px solid #ccc;
  border-radius: 12px;
  overflow: hidden;
  width: 230px;
}
.benchmark-card .header {
  background: #0aa063;
  color: #fff;
  font-weight: bold;
  padding: 0.75rem;
  font-size: 1rem;
}
.benchmark-card .amount {
  font-size: 1.75rem;
  font-weight: bold;
  margin: 0.5rem 0;
	line-height: 1;
}
.benchmark-card .body {
  padding: 0;
}
.benchmark-card .body p {
	margin: 0 0;
   padding: 7px;
}
.benchmark-card .highlight {
  font-weight: bold;
}
.cards {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.5rem;
}
.card {
  background: white;
  padding: 1.5rem;
  border-radius: 8px;
  box-shadow: 0 2px 6px rgba(0,0,0,0.1);
  width: 100%;
  max-width: 220px;
}
.card h3 {
  font-size: 1.4rem;
  color: #222;
  margin-bottom: 0.75rem;
}
.card p {
  font-size: 0.95rem;
  line-height: 1.5;
  color: #555;
}

.together {
	background: #0aa063;
	color: white;
	padding: 4rem 2rem;
	text-align: center;
}

.together .container {
	display: inline-block;
	max-width: 600px;
}

.together h2, .together p {
	color: #fff;
	text-align: center;
}

.together p {
	margin-bottom: 2em;
}

.faq.home {
  padding: 3rem 2rem;
  background: #fff;
  max-width: 1000px;
  margin: 0 auto;
}

.faq {
  padding: 0rem 2rem;
  background: #fff;
  max-width: 1000px;
  margin: 0 auto;
}

.faq h2 {
  text-align: center;
  margin-bottom: 2rem;
}
.accordion-item {

}
.accordion-button {
  display: flex;
  justify-content: space-between;
  width: 100%;
  padding: 1rem;
  font-size: 1.4rem;
  background: #efefef;
  border: none;
  cursor: pointer;
  transition: background 0.3s;
  margin-bottom: 5px;
	font-family: "avenir-next-lt-pro", sans-serif;
    font-weight: 700;
	text-align: left;
}

.accordion-button:hover {
  background: #e0e0e0;
}

.accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  padding: 0 1rem;
  font-weight: 400;
}

.accordion-item.active .accordion-content {
  max-height: 300px; /* Or adjust to fit content */
  padding: 1rem;
	font-size: 18px;
}

.accordion-button .icon {
  margin-left: 1rem;
  font-weight: bold;
  transition: transform 0.3s;
}

.accordion-item.active .icon {
  content: "−";
}

    footer {
  background-color: #023622;
  color: white;
  font-family: "Lato", sans-serif;
  font-size: 14px;
  line-height: 1.6;
  padding: 2rem 1rem;
}

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

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid #555;
}

.footer-col a:hover {
	  color: #89c98e; 
	  transition: color 0.3s ease;
	}

.footer-col {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  min-width: 150px;
}

.footer-col a {
  color: white;
  text-decoration: none;
  font-weight: 600;
}

.footer-logo img {
  max-width: 160px;
  height: auto;
  margin-top: auto;
}

.footer-bottom {
  color: #ccc;
  padding-top: 2rem;
}

.footer-bottom p {
  margin-bottom: 1.2rem;
	color: #ccc;
	font-size: 14px;
	line-height: 1.6;
}

.footer-bottom p strong {
  color: white;
  font-weight: 700;
}

.footer-bottom strong {
  color: white;
  font-weight: 700;
}

/* Responsive Styles */
@media (max-width: 992px) {
  .footer-nav {
    flex-wrap: wrap;
    justify-content: flex-start;
    gap: 2rem;
  }

  .footer-logo {
    order: 5;
  }
}

@media (max-width: 768px) {
  .footer-nav {
    flex-direction: column;
    align-items: flex-start;
  }

  .footer-col {
    width: 100%;
  }

  .footer-logo img {
    margin: 1rem 0;
  }

  .footer-bottom {
    font-size: 13px;
  }
}

@media (min-width: 320px) and (max-width: 699px) {
	header {
		padding: 1rem 1rem;
	}
	
	.nav-menu {
        top: 101%;
	}
	.logo {
		height: 50px;
	}
	
	.hero {
    	padding: 4.5rem 0rem 0rem;
		/*-- background: #0aa063; --*/
	}
	
  .hero h1 {
    font-size: 2.55rem;
	  color: #fff;
	  line-height: 1.05;
  }
	/*---
	.hero span.circle-chevron {
	  border: 2px solid #fff;
	}

	.hero span.circle-chevron::after {
	  border-right: 2px solid #fff;
	  border-bottom: 2px solid #fff;
	}  ---*/
	
	h2 {
		font-size: 1.75rem;
		line-height: 1.3;
	}
	
	.hero, .program {
    flex-direction: column;
    text-align: center;
  }
  .hero-text, .program-steps {
    /*-- max-width: 100%; --*/
    padding-right: 0;
  }
	
	.hero-text {
	  margin-top: 2.3em;
	  margin-bottom: 2em;
		position: relative;
	}
	
	.hero ul li {
		font-size: 1.175rem;
        text-align: left;
        line-height: 1.2;
		color: #fff;
	}
	
	.circle-bg {
		background-size: 246px;
		background-position: 49% 100%;
	}
	
	.bg-img {
		background-position: 0% 0%;
        width: 100%;
		background: url("../images/mobile-bpd-hero.jpg") center / cover no-repeat;
	}
	
	/*-- .bg-img:before {
	  content: ' ';
	  display: block;
	  position: absolute;
	  left: 0;
	  top: 0;
	  width: 100%;
	  height: 100%;
	  opacity: 0.6;
	  background-image: url('../images/BPD-hero.jpg');
	  background-repeat: no-repeat;
	  background-position: 50% 0;
	  background-size: cover;
	} --*/
	
	
  .hero-img, .program-img {
    width: 100%;
    min-height: 240px;
  }
	
	.features {
		padding: 1.7rem 1rem;
		line-height: 1.3;
	}
	
	.feature {
		max-width: 257px;
	}
	
	.boxes {
     padding: 1rem 1rem;
	}
	
	.program-section {
		padding: 0 0 0;
	}
	
	.program-steps {
		margin: 2rem 0;
		max-width: 100%;
		padding: 1rem;
	}
	
	.program-text {
		margin-bottom: 1rem;
	}
	
	
	.circle-program-bg {
		background-position: 97% 100%;
		background-size: 100%;
	}
	
	.btn {
		background: #ff7a00;
		color: #fff;
		padding: 0.85rem 1.75rem;
		font-size: 1.05rem;
		border: none;
		border-radius: 8px;
		cursor: pointer;
		font-weight: bold;
		width: 100%;
	}
	
	.debt-averages {
		gap: 1rem;
	}
	
	.together {
		padding: 2.2rem 0rem;
	}
	
	.faq {
		padding: 2.2rem 1rem;
	}
	
	.accordion-button {
		font-size: 1.1rem;
	}
	
}

@media (min-width: 320px) and (max-width: 900px) {
	
	.bg-program-img {
		background-position: 21% 100%;
		background: url("../images/debt-relief-program-mobile-bg.jpg") center/cover no-repeat;
	}
	
	.program-text h2 {
		text-align: center;
		max-width: 700px;
		margin: 0 auto;
		margin-bottom: 1rem;
		padding-top: 1em;
		color: #fff;
	}
	
	.program-text p {
		color: #fff;
	}
}


@media (min-width: 700px) and (max-width: 1199px) {
  .hero h1 {
    font-size: 2.2rem;
  }
  .feature {
    max-width: 45%;
  }
  .program {
    padding: 2rem 1rem;
  }
  .program-img {
    min-height: 300px;
  }
	
	header {
		padding: 1rem 1rem;
	}
	
	.nav-menu {
        top: 101%;
	}
	.logo {
		height: 50px;
	}
	
	.hero {
		padding: 5rem 0rem 0rem;
		background: linear-gradient(90deg, rgba(10, 178, 109, 1) -47%, rgba(8, 120, 74, 1) 62%);
	}
	
	h2 {
		font-size: 1.6rem;
		line-height: 1.3;
	}
	
  .hero-text, .program-steps {
    /*-- max-width: 100%; --*/
    padding-right: 0;
  }
	
	.hero-text {
	  margin-top: 2em;
	  margin-bottom: 2em;
		max-width: 400px;
	}
	
	.hero ul li {
		font-size: 1.1rem;
		text-align: left;
		line-height: 1.3;
	}
	
	.circle-bg {
		background-size: 412px;
		background-position: 100% 100%;
	}
	
	.bg-img {
		background-position: 40% 0%;
        background-size: cover;
		width: 100%;
	}
	
  .hero-img, .program-img {
    width: 100%;
    min-height: 240px;
  }
	
	.features {
		padding: 2rem 1rem;
		line-height: 1.3;
	}
	
	.feature {
		max-width: 145px;
	}
	
	.feature h3 {
    	font-size: 1.1rem;
	}
	
	.boxes {
     padding: 1rem 1rem;
	}
	
	.program-text {
		margin-bottom: 1rem;
	}
	
	.bg-program-img {
		background-position: 95% 100%;
        background-size: cover;
	}
	
	
	.circle-program-bg {
		background-position: 100% 100%;
        background-size: 63%;
	}
	
	.btn {
		background: #ff7a00;
		color: #fff;
		padding: 0.85rem 1.75rem;
		font-size: 1.05rem;
		border: none;
		border-radius: 8px;
		cursor: pointer;
		font-weight: bold;
		width: 100%;
		max-width: 250px;
	}
	
	.debt-averages {
		gap: 1rem;
	}
	
	.debt-types-list li {
    	font-size: 1.2rem;
	}
	
	.debt-types-title h2 {
       font-size: 1.7rem;
	}
	
	.debt-types-section {
		padding: 2rem;
	}
	
	.debt-averages div {
		width: 360px;
	}
	
	.debt-section h3 {
		color: #555;
	}
	
	.benchmark-card {
		background: #fff;
		border: 1px solid #ccc;
		border-radius: 12px;
		overflow: hidden;
		width: 170px;
	}
	
	.debt-benchmarks {
		gap: 1rem;
	}
	
	.debt-section {
		padding: 2.2rem 2rem 5rem;
	}
	
	.together {
		padding: 2.2rem 2rem;
	}
	
	.faq {
		padding: 2.2rem 2rem;
	}
	
	.accordion-button {
    	font-size: 1.2rem;
	}

}


@media (max-width: 900px) {
	.program-steps {
		margin: 2rem 0;
		width: 100%;
		padding: 2rem;
		max-width: 100%;
	}
}



@media (min-width: 1200px) {
	.logo {
		height: 67px;
	}
	
  .feature {
    max-width: 255px;
  }
  .program-img {
    min-height: 450px;
  }
}
      /*-- .hero-text, .program-steps {
        max-width: 100%;
      } --*/
      .hero-img, .program-img {
        width: 100%;
      }
    
.circle-chevron {
  display: inline-block;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  border: 2px solid #fff;
  position: relative;
	min-width: 24px;
}

.circle-chevron::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 6px;
  height: 6px;
  border-right: 2px solid #fff;
  border-bottom: 2px solid #fff;
  transform: translate(-50%, -50%) rotate(-45deg);
}

.bg-gray {
	background: #efefef;
}

/*---- HowItWorks ----*/
.hiw-intro {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
}

.hiw-intro-text {
  flex: 1;
  min-width: 280px;
  margin-right: 105px;
}

.hiw-intro-text h2 {
  font-size: 41px;
  margin-bottom: 15px;
  line-height: 1.2;
}

.hiw-intro-text .how-it-works-h2 {
	font-size: 48px;
}

.hiw-intro-text p {
  font-size: 18px;
  line-height: 1.5;
  margin-bottom: 20px;
}

.hiw-intro-img {
  flex: 1;
  min-width: 280px;
  text-align: center;
}

.hiw-intro-img img {
  max-width: 100%;
  border-radius: 6px;
}

.hiw-steps {
  margin: 40px 0 10px;
	padding: 2em;
	width: 100%;
}

.hiw-step {
  display: flex;
  align-items: flex-start;
  margin-bottom: 30px;
}

.hiw-step-number {
  background-color: #1a7e3c;
  color: #fff;
  border-radius: 50%;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: bold;
  font-size: 16px;
  margin-right: 20px;
  flex-shrink: 0;
}

.hiw-step-content h4 {
  margin: 0 0 5px 0;
  font-size: 24px;
}

.hiw-step-content p {
  margin: 0;
  font-size: 18px;
  color: #444;
}

.hiw-cta-section {
  background-color: #0aa063;
  color: white;
  text-align: center;
  padding: 2em 0;
}

.hiw-cta-section .container {
  justify-content: center;
	max-width: 800px;
}

.hiw-cta-section h3 {
  font-size: 1.6em;
margin-bottom: 20px;
font-weight: 500;
line-height: 1.4;
}

@media (max-width: 768px) {
  .hiw-intro {
	flex-direction: column;
  }

  .hiw-intro-text h2 {
	  font-size: 36px;
	  margin-bottom: 15px;
	  line-height: 1.2;
  }
	
	.hiw-intro-text .how-it-works-h2 {
		font-size: 36px;
	}

   .hiw-intro-text {
		flex: 1;
		min-width: 280px;
		margin-right: 30px;
	}

  .hiw-intro-text {
	margin-right: 0;
	margin-bottom: 20px;
  }

	section.hiw-cta-section h3 {
		font-size: 1.8em;
	}

	.hiw-step-content h4 {
	  margin: 0 0 5px 0;
	  font-size: 22px;
	}
	.hiw-steps {
		margin: 40px 0 10px;
		padding: 1.7em 1.3em;
	}

	.hiw-step-number {
		margin-right: 14px;
	}

	.hiw-step-content p {
	  margin: 0;
	  font-size: 16px;
	  color: #444;
	}

}

/*---- Contact Us -----*/

 .contact .steps-sub {
      display: flex;
      flex-wrap: wrap;
      justify-content: space-between;
      gap: 40px;
    }

    .contact .steps-sub .step {
      display: block;
	  flex: 1;
      min-width: 250px;
      max-width: 320px;
    }


/*---- Apply ---*/

.form--section {
    margin: 0em auto;
}
.form--section strong {
    font-weight: 700
}
.form--section h2 {
	font-weight: 700;
}
.form--section .feature-head h2 {
    font-size: 2.9em;
}

main.form--section p.subheader {
    margin: 14px 0 24px;
    font-weight: 400;
    line-height: 1.5;
}

@media (max-width: 768px) {
	.form--section .feature-head h2 {
		font-size: 2.2em;
	}
	
	main.form--section p.subheader {
	    color: #626161;
        font-size: 1.1em;
        line-height: 1.45em;
        margin: .5em auto 2em;
        font-family: "avenir-next-lt-pro", sans-serif;
        text-align: left;
        font-weight: 400;
	}
	
	.form--section h2.heading {
		font-size: 1.5em;
	}
	
	.apply-icons {
		        width: 29px;
        margin-right: 8px;
        display: inline-block;
        margin-top: -5px;
	}
}


.form--section .heading {
    padding-top: .3em;
}


/*--- California ---*/

.banner-bottom.header-gap {
  padding-bottom: 50px;

}

.banner-bottom .container {
  max-width: 675px;
  margin: 0 auto;
  background: #fff;
  padding: 40px;
  border-radius: 10px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.06);
  justify-content: center;
}

.banner-bottom h2 {
  font-size: 36px;
  margin-bottom: 20px;
  color: #333;
  text-align: center;
}

.banner-bottom .feature-head h2 {
	margin-bottom: 0px;
}

.banner-bottom h3 {
  text-align: center;
}

.banner-bottom p {
  font-size: 18px;
  color: #555;
  line-height: 1.5;
  margin-bottom: 20px;
	text-align: center;
}

.banner-info-grid {
  text-align: center;
  margin-top: 20px;
}

.banner-bottom input[type="text"],
.banner-bottom input[type="email"] {
  width: 70%;
  padding: 12px 16px;
  font-size: 16px;
  border: 1px solid #ccc;
  border-radius: 6px;
  margin-bottom: 20px;
  text-align: center;
}

.banner-bottom .btn {
  background-color: #f66302;
  color: #fff;
  padding: 12px 24px;
  font-size: 16px;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  transition: background-color 0.3s ease;
  text-decoration: none;
}

.banner-bottom .btn:hover {
  background-color: #d55501;
}

@media (max-width: 600px) {
  .banner-bottom input[type="text"] {
	width: 90%;
  }

	.banner-bottom .container {
		max-width: 800px;
		margin: 0 auto;
		background: #fff;
		padding: 0 30px 0 30px;
		border-radius: 10px;
		box-shadow: none;
		justify-content: center;
	}
}


/*--- Calculator ---*/

.calculator.banner-bottom {
  padding: 50px 20px;
  background-color: #fff;
}

.calculator .banner-bottom .container {
  max-width: 900px;
  margin: 0 auto;
  background: #fff;
  padding: 40px;
  border-radius: 10px;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.06);
  justify-content: center;
}

.calculator.container {
  max-width: 800px;
  margin: 0 auto;
  background: #fff;
}

.calculator h4 {
  font-size: 24px;
  margin-bottom: 10px;
}

.calculator p {
  font-size: 18px;
  color: #444;
  line-height: 1.6;
}

.calculator strong {
  font-weight: 600;
}

.calculator table {
  width: 100%;
  background-color: #fff;
  border-collapse: collapse;
  margin-top: 20px;
  border-radius: 10px;
  box-shadow: 0 0 10px rgba(0,0,0,0.08);
  overflow: hidden;
}

.calculator td {
  padding: 12px;
}

.calculator input[type="text"],
.calculator select {
  width: 100%;
  padding: 10px;
  font-size: 16px;
  border: 1px solid #ccc;
  border-radius: 6px;
  box-sizing: border-box;
  margin-bottom: 0px;
}

.calculator select {
  appearance: none;
  background-color: #fff;
}

.calculator input[readonly] {
  background-color: #f2f2f2;
  font-weight: bold;
}

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

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

.calculator .calc-btn {
  background-color: #f66302;
  color: #fff;
  padding: 12px 24px;
  font-size: 16px;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  margin-top: 10px;
  transition: background-color 0.3s ease;
}

.calculator .calc-btn:hover {
  background-color: #d55501;
}

@media (max-width: 600px) {
  .calculator td {
	display: block;
	width: 100%;
  }

	.calculator .banner-bottom .container {
	  max-width: 900px;
	  margin: 0 auto;
	  background: #fff;
	  padding: 0px 40px;
	  border-radius: 10px;
	  box-shadow: none;
	  justify-content: center;
	}

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

.container.spinner {
	flex-flow: column;
}

/*-------- Upsell ----------*/

.csu .container {
  max-width: 1000px;
  margin: 0 auto;
  padding: 30px 20px;
	justify-content: center;
}

.csu .header-gap {
	padding-top: 5.5em;
}

.csu h2 {
  font-size: 39px;
  text-align: center;
  color: #333;
  margin-bottom: 20px;
}

.csu h3 {
  font-size: 24px;
  margin-top: 20px;
  color: #222;
  text-align: center;
}

.csu p {
  font-size: 18px;
  line-height: 1.4;
  color: #444;
  margin-bottom: 15px;
}

.csu .feature-head {
  margin-bottom: 0;
  text-align: center;
}

.csu .feature-grid2 {
    margin-top: 30px;
    border: 1px solid #b6b6b6;
    border-radius: 8px;
    padding: 2em 2em 2.5em;
    background: #fff;
}

.csu .myButton,
.csu .myCutton {
  display: inline-block;
  color: #fff;
  padding: 12px 24px;
  font-size: 18px;
  border: none;
  border-radius: 6px;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.3s ease;
  text-transform: uppercase;
	font-weight: 700;
}

.csu .myButton {
	background-color: #0067b0;
}
.csu .myCutton {
	background-color: #f66302;
}

.csu .myCutton:hover {
  background-color: #d55501;
}
.csu .myButton:hover {
	background-color: #008bee;
}

.csu input[type="text"] {
  padding: 10px;
  font-size: 16px;
  border: 1px solid #ccc;
  border-radius: 6px;
  width: 50%;
  margin: 10px 0;
  text-align: center;
}

.csu img {
  max-width: 100%;
  height: auto;
  display: block;
  margin: 0 auto;
}

.csu a {
  color: #f66302;
  text-decoration: underline;
}

.csu a:hover {
  text-decoration: none;
}

.csu-circle {
  width: 60px;
  height: 60px;
  background-color: #36a058;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  font-weight: bold;
  margin: 10px auto;
}

 @media (max-width: 600px) {
     .csu .header-gap {
		padding-top: 3.5em;
	}
	 
	 .csu h2 {
		font-size: 32px;
	}
 }


.center {
	text-align: center;
	display: block;
}




.col-md-4 {
	width: 33%;
	display: inline-block;
}

@media (max-width: 768px) {
	.col-md-4 {
		width: 100%;
	}
}

.form--section .form-row {
  display: flex;
  flex-wrap: wrap;
  gap: 20px; /* spacing between fields */
}

.form--section .form-col {
  flex: 1 1 calc(33.333% - 20px);
  min-width: 280px; /* prevents squishing */
  box-sizing: border-box;
}

/* Full width on mobile */
@media (max-width: 768px) {
  .form--section .form-col {
    flex: 1 1 100%;
    min-width: 100%;
  }
}