/* ===== Reset & Globals ===== */
body, h1, h2, h3, h4, p, ul, li, a, button, input, select, label {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: 'Poppins', sans-serif;
}

html {
    scroll-behavior: smooth;
}

#how-it-works {
    scroll-margin-top: 94px;
}

.hidden {
    opacity: 0;
    transform: translateY(-10px);
    visibility: hidden;
    pointer-events: none;
}

body {
    opacity: 0;
    transition: opacity 0.2s ease-in;
}

body.fonts-loaded {
    opacity: 1;
}

/* ===== Navigation ===== */
.nav-container {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    width: 100%;
    z-index: 1000;
    background-color: #0A2342;
}

.nav-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 32px;
}

.nav-left img {
    height: 64px;
}

.nav-actions-mobile {
    display: none;
    align-items: center;
    gap: 12px;
}

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

.nav-links {
    display: flex;
    list-style: none;
    gap: 30px;
}

.nav-links a {
    color: white;
    text-decoration: none;
    font-weight: 300;
    transition: opacity 0.2s ease;
}

.nav-links a:hover {
    opacity: 0.75;
}

.nav-button-wrapper {
    position: relative;
    width: 140px;
    height: 45px;
}

.login-btn, .get-started-btn {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    text-align: center;
    line-height: 45px;
    text-decoration: none;
    font-weight: 500;
    border-radius: 19px;
    transition: all 0.4s ease;
    will-change: opacity, transform;
}

.login-btn {
    color: white;
    border: 1px solid white;
}

.login-btn:hover {
    background-color: rgba(255, 255, 255, 0.1);
}

.get-started-btn {
    background-color: white;
    color: #0A2342;
    border: none;
}

.get-started-btn:hover {
    background-color: #e2e8f0;
}


/* ===== Hero ===== */
.hero {
    background: #0A2342;
    color: white;
    padding: 80px 32px;
    margin-top: 94px;
}

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

.hero-text {
    max-width: 680px;
}

.hero-text h1, .hero-text-about h1 {
    font-size: 112px;
    line-height: 0.7;
    font-weight: 600;
    margin-bottom: 80px;
}

.hero-text h1 span, .hero-text-about h1 span {
    display: block;
    font-weight: 600;
}

.hero-text p, .hero-text-about p {
    font-size: 24px;
    line-height: 2;
    color: #F0F4F8;
    margin-bottom: 16px;
}

.hero-text strong {
    color: white;
    font-weight: 600;
}

.hero-button {
    display: inline-block;
    margin-top: 24px;
    padding: 11px 24px;
    background-color: white;
    color: #0A2342;
    font-weight: 500;
    border-radius: 19px;
    text-decoration: none;
    transition: background 0.4s ease;
}

.hero-button:hover {
    background-color: #e2e8f0;
}

.hero-image img {
    width: 380px;
    max-width: 100%;
    border-radius: 19px;
}

/* ===== Section Headings ===== */
section h2 {
    font-size: 30px;
    font-weight: 600;
    color: #0A2342;
    margin-bottom: 18px;
}

section h3 {
    font-size: 20px;
    font-weight: 200;
    color: #0A2342;
    max-width: 600px;
    margin: 0 auto 50px;
}


/* ===== Rate Section ===== */
.rate-section {
    text-align: center;
    padding: 40px 20px;
    background-color: #FFFFFF;
}

.rate-box {
    background-color: #3D9DF6;
    border-radius: 19px;
    padding: 25px;
    margin: 40px auto 60px;
    max-width: 220px;
    aspect-ratio: 1 / 1; 
    color: white;

    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
}

.rate-box .rate-label {
    font-size: 18px;
    font-weight: 200;
    color: #FFFFFF;
    margin-bottom: 15px;
}

.rate-box .rate-value {
    font-size: 48px;
    font-weight: 500;
    color: #FFFFFF;
    margin-bottom: 24px;
}

.rate-value a {
    text-decoration: none;
    color: #FFFFFF;
}

.rate-box .rate-subtext {
    font-size: 12px;
    color: #FFFFFF;
}

.rate-box .rate-subtext a {
    color: white;
    font-weight: 500;
    text-decoration: none;
}

a.rate-content .help-button.rates {
    background-color: #009FFF;
}

/* ===== Logo Scrolls ===== */
.logo-scroll-wrapper {
    margin-top: 40px;
    overflow: hidden;
    background: white;
    padding: 24px 0;
    position: relative;
}

.logo-scroll-track {
    white-space: nowrap;
    display: inline-block;
    width: max-content;
    animation: scroll-logos 10s linear infinite;
}

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

.logo-scroll img {
    height: 40px;
    margin-right: 80px;
    flex-shrink: 0;
    object-fit: contain;
}

img[src*="bluepoint"] { width: 120px; }
img[src*="kind"] { width: 100px; }
img[src*="loan-stream"] { width: 128px; }
img[src*="oaktree"] { width: 120px; }
img[src*="penny"] { width: 80px; }
img[src*="rocket"] { width: 140px; }


@keyframes scroll-logos {
    0%   { transform: translateX(0); }
    100% { transform: translateX(-33.33%); }
}


/* ===== Value Section ===== */
.value-section {
    text-align: center;
    padding: 40px 20px 50px;
    background-color: #F0F4F8;
}

.value-cards {
    display: flex;
    justify-content: center;
    gap: 140px;
    flex-wrap: wrap;
}

.value-card {
    background-color: #FFFFFF;
    padding: 20px;
    border-radius: 19px;
    max-width: 260px;
    aspect-ratio: 1 / 1;
    flex: 1 1 220px;
    box-shadow: 0px 4px 10px rgba(0,0,0,0.1);

    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
}

.value-card img {
    height: 90px;
    margin-bottom: 28px;
}

.value-card h4 {
    font-size: 40px;
    font-weight: 600;
    color: #00D48C;
    margin-bottom: 8px;
}

.value-section p {
    font-size: 14px;
    color: #0A2342;
    margin-top: 40px;
}

.value-card p {
    font-size: 14px;
    color: #00D48C;
    font-weight: 300;
    margin-top: 0px;
}

.value-section a {
    text-decoration: none;
    color: #0A2342;
    font-weight: 500;
}


/* ===== How it Works Section ===== */
.how-section {
    text-align: center;
    padding: 40px 20px 50px;
    background-color: #FFFFFF;
}

.how-header p {
    font-size: 16px;
    font-weight: 300;
    color: #0A2342;
    max-width: 600px;
    margin: 0 auto 48px;
    line-height: 1.6;
}

.how-steps {
    display: flex;
    justify-content: center;
    gap: 60px;
    flex-wrap: wrap;
}

.how-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    width: 180px;
}

.how-step img {
    height: 85px;
    margin-bottom: 20px;
}

.how-step p {
    font-size: 16px;
    color: #3D9DF6;
    font-weight: 400;
}

.how-step p span {
    font-weight: 500;
    margin-right: 6px;
}


/* ===== Here to Help Section ===== */
.help-section {
    text-align: center;
    padding: 40px 20px 50px;
    background-color: #F0F4F8;
}

.help-text p {
    font-size: 16px;
    font-weight: 300;
    color: #0A2342;
    margin-bottom: 32px;
}

.help-button {
    display: inline-block;
    padding: 14px 32px;
    background-color: #00D48C;
    color: white;
    font-weight: 500;
    border-radius: 19px;
    text-decoration: none;
    font-size: 16px;
    transition: background 0.4s ease;
}

.help-button:hover {
    background-color: #10B981;
}

.help-images {
    margin-top: 60px;
    position: relative;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 40px;
}

.img {
    width: 185px;
    height: 185px;
    border-radius: 19px;
    object-fit: cover;
    box-shadow: 0px 4px 12px rgba(0, 0, 0, 0.08);
}

.img-top-left {
    transform: translate(-60px, -100px);
}

.img-bottom-left {
    transform: translate(-20px, 0px);
}

.img-bottom-right {
    transform: translate(20px, 0px);
}

.img-top-right {
    transform: translate(60px, -100px);
}


/* ===== Get Started Section ===== */
.get-started-section {
    text-align: center;
    padding: 40px 20px 50px;
    background-color: #FFFFFF;
}

.get-started p {
    font-size: 16px;
    font-weight: 300;
    color: #0A2342;
    max-width: 600px;
    margin: 0 auto 40px;
    line-height: 1.6;
}

.get-started-buttons {
    display: flex;
    flex-direction: column;
    gap: 20px;
    align-items: center;
}

.btn {
    padding: 16px 40px;
    border-radius: 16px;
    text-decoration: none;
    font-weight: 500;
    font-size: 16px;
    width: 260px;
    text-align: center;
    transition: all 0.4s ease;
}

.btn.primary {
    background-color: #0A2342;
    color: white;
}

.btn.primary:hover {
    background-color: #1c355b;
}

.btn.secondary {
    background-color: #F1F5F9;
    color: #0A2342;
}

.btn.secondary:hover {
    background-color: #e2e8f0;
}


/* ===== Footer ===== */
footer {
    background-color: #0A2342;
    color: #FFFFFF;
    padding: 40px 20px 50px;
}

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

.footer-top {
    text-align: left;
    margin-bottom: 40px;
}

.footer-logo {
    width: 140px;
}

.footer-columns {
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 40px;
    margin-bottom: 40px;
}

.footer-column {
    flex: 1 1 150px;
}

.footer-column h4, #footer-home {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 30px;
}

.footer-column ul {
    list-style: none;
    padding: 0;
    margin-bottom: 20px;
}

.footer-column li {
    margin-bottom: 20px;
}

.footer-column a {
    color: white;
    text-decoration: none;
    font-weight: 300;
    transition: opacity 0.4s ease;
}

.footer-column a:hover {
    opacity: 0.75;
}

#footer-btn {
    display: inline-block;
    margin-top: 24px;
    padding: 11px 24px;
    background-color: white;
    color: #0A2342;
    font-weight: 500;
    border-radius: 19px;
    text-decoration: none;
    transition: background 0.4s ease;
}

.footer-button:hover {
    background-color: #e2e8f0;
}

#column-middle {
    text-align: center;
}

#column-right {
    text-align: right;
}

.footer-ehl {
    margin-top: 30px;
    height: 40px;
    filter: brightness(0) invert(1);
}

.footer-bottom {
    font-size: 12px;
    font-weight: 300;
    text-align: center;
    margin-bottom: -20px;
}

.footer-bottom a {
    color: #FFFFFF;
    text-decoration: underline;
}

/* ===== About Page ===== */
.hero-image-overlay-wrapper {
    position: relative;
    width: 100vw;
    overflow: hidden;
}

.about-hero-image {
    width: 100%;
    object-fit: cover;
    display: block;
}

.hero-gif-welcome-overlay {
    position: absolute;
    top: 43%;
    left: 52%;
    transform: translate(-50%, -50%);
    width: 50vw;
    height: auto;
    pointer-events: none;
}

.who-we-are-section, .why-buildio-section, .team-section {
    text-align: center;
    padding: 40px 20px 50px;
    background-color: #F0F4F8;
}

.who-we-are-section {
    margin-bottom: -40px;
}

.why-buildio-section {
    background-color: #FFFFFF;
}

.why-cards {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 40px;
}

.why-card {
    background-color: #FFFFFF;
    padding: 30px 24px;
    border-radius: 20px;
    box-shadow: 0px 4px 10px rgba(0, 0, 0, 0.05);
    flex: 1 1 240px;
    max-width: 280px;
    text-align: left;
}

.why-card h4 {
    font-size: 20px;
    color: #00D48C;
    margin-bottom: 10px;
}

.why-card p {
    font-size: 14px;
    color: #0A2342;
    font-weight: 300;
    line-height: 1.6;
}

a.help-button.about {
    background-color: #009FFF;
}

a.help-button.about-2 {
    background-color: #009FFF;
    display: none;
}

/* ===== Products Page ===== */
details {
    border-bottom: 1px solid #ccc;
    margin-bottom: 12px;
}

summary {
    font-weight: 600;
    font-size: 1.5rem;
    padding: 16px 0;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

summary::-webkit-details-marker {
    display: none;
}

summary::after {
    content: "\25BC";
    font-size: 1rem;
    transition: transform 0.3s ease;
}

details[open] summary::after {
    transform: rotate(180deg);
}

.consumer-friendly-programs ul {
    padding-left: 1.5rem;
    margin-bottom: 1rem;
}

.disclaimer {
    margin-top: 30px;
}

.disclaimer strong {
    font-weight: 500;
}

/* ===== FAQs ===== */
.faq-questions {
    margin-left: 10px;
}

.faq-questions summary {
    font-size: 1.2rem;
    font-weight: 400;
    color: #009FFF;
}

.faq-questions details {
    border-bottom: none;
    margin-bottom: 20px;
}


/* ===== Responsiveness ===== */
@media (max-width: 1200px) {
    .hero-image img {
        width: 315px;
    }
}

@media (max-width: 1100px) {
    .hero-text {
        max-width: 580px;
    }
    .hero-text h1 {
        font-size: 100px;
    }
    .hero-text p {
        font-size: 20px;
    }
}

@media (max-width: 1030px) {
    .nav-actions-mobile {
        display: flex;
    }
    .hamburger {
        display: block;
        font-size: 36px;
        background: none;
        border: none;
        color: white;
        cursor: pointer;
    }
    .nav-right {
        display: none;
        flex-direction: column;
        background-color: #0A2342;
        padding: 20px;
        position: absolute;
        top: 100%;
        right: 0;
        width: 100%;
    }
    .nav-right.open {
        display: flex;
        padding: 20px 0px;
    }
    .nav-links {
        flex-direction: column;
        align-items: center;
        width: 100%;
        gap: 20px;
    }
    .nav-links a {
        display: block;
        width: 100%;
        padding: 10px 0;
    }
    .get-started-btn-mobile {
        background-color: white;
        color: #0A2342;
        width: 160px;
        height: 100%;
        text-align: center;
        line-height: 45px;
        text-decoration: none;
        font-weight: 500;
        border-radius: 19px;
        margin-right: 10px;
        transition: all 0.4s ease;
        will-change: opacity, transform;
    }
    .get-started-btn-mobile:hover {
        background-color: #e2e8f0;
    }

    .hero-text {
        max-width: 480px;
    }
    .hero-text h1 {
        font-size: 85px;
    }
    .hero-text p {
        font-size: 18px;
    }
    .hero-image {
        margin-right: 18px;
    }
    .hero-image img {
        width: 300px;
    }
    .value-cards {
        gap: 100px;
    }
    .how-steps {
        gap: 40px;
    }
    .img-top-left {
        transform: translate(0px, -100px);
    }
    .img-bottom-left {
        transform: translate(0px, 0px);
    }
    .img-bottom-right {
        transform: translate(0px, 0px);
    }
    .img-top-right {
        transform: translate(0px, -100px);
    }
}

@media (max-width: 900px) {
    .hero-text h1 {
        font-size: 85px;
    }
    .hero-image {
        margin-right: 10px;
    }
    .hero-image img {
        width: 260px;
    }
    .value-cards {
        gap: 80px;
    }
    .how-steps {
        display: grid;
        grid-template-columns: repeat(2, 1fr);
        gap: 80px;
        max-width: 480px;
        margin: 0 auto;
        justify-items: center;
    }
    .img-top-left {
        transform: translate(0px, 0px);
    }
    .img-bottom-left {
        transform: translate(0px, 0px);
    }
    .img-bottom-right {
        transform: translate(0px, 0px);
    }
    .img-top-right {
        transform: translate(0px, 0px);
    }
    .help-images {
        display: grid;
        grid-template-columns: repeat(2, 1fr);
        gap: 70px;
        max-width: 440px;
        margin: 70px auto 0px;
        justify-items: center;
    }
    a.help-button.about {
        display: none;
    }
    a.help-button.about-2 {
        margin-top: 70px;
        display: inline-block;
    }

}

@media (max-width: 855px) {
    .hero-image {
        margin-right: 5px;
    }

    .hero-image img {
        width: 210px;
    }
}

@media (max-width: 800px) {
    .hero-text {
        max-width: 390px;
    }
    .hero-text h1 {
        font-size: 70px;
    }
    .hero-text p {
        font-size: 15px;
    }
    .hero-image img {
        width: 220px;
    }
    .hero-image {
        margin-right: 30px;
    }
    .value-cards {
        gap: 50px;
    }
}

@media (max-width: 750px) {
    .hero-image img {
        width: 200px;
    }
    .hero-image {
        margin-right: 5px;
    }
}

@media (max-width: 700px) {
    .hero-text {
        max-width: 560px;
    }
    .hero-text h1 {
        font-size: 90px;
    }
    .hero-text p {
        font-size: 19px;
        max-width: 280px;
    }
    .hero-image img {
        width: 200px;
    }
    .hero-image{
        margin-top: -320px;
        margin-right: 35px;
    }
    .hero-content {
        flex-direction: row-reverse;
        align-items: flex-start;
    }
    .hero-text {
        flex: 1;
    }
    .hero {
        padding: 80px 32px 20px;
    }
}

@media (max-width: 600px) {
    .hero-text h1, .hero-text-about h1 {
        font-size: 80px;
    }
    .hero-text p, .hero-text-about p {
        font-size: 18px;
    }
    .hero-image{
        margin-right: 0px;
    }

    .footer-columns {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }
    .footer-column {
        align-items: center;
        margin-top: 30px;
    }
    .footer-top,
    .footer-column h4,
    .footer-column p,
    .footer-column a,
    .footer-column ul,
    .footer-bottom {
        text-align: center;
    }
    #footer-btn {
        display: none;
    }

    .footer-ehl{
        margin-left: auto;
        margin-right: auto;
        display: block;
        margin-top: 80px;
    }
}

@media (max-width: 550px) {
    .hero-image img {
        width: 160px;
    }
    .hero-image{
        margin-top: -300px;
    }
}

@media (max-width: 525px) {
    .nav-left img {
        width: 200px;
        height: auto;
    }
    .hero {
        margin-top: 70px;
    }
}

@media (max-width: 500px) {
    .hero-text {
        max-width: 480px;
    }
    .hero-text h1, .hero-text-about h1 {
        font-size: 70px;
    }
    .hero-text p {
        font-size: 19px;
        max-width: 240px;
    }
    #hero-p2 {
        max-width: 480px;
        margin-top: 30px;
    }
    .hero-image img {
        width: 120px;
        margin-right: 20px;
        margin-left: 20px;
    }
    .hero-image {
        margin-top: -350px;
        margin-right: 35px;
    }
    .how-steps, .help-images {
        gap: 60px;
        max-width: 400px;
    }
}

@media (max-width: 475px) {
    .hero-image {
        margin-right: 25px;
    }
    .how-steps, .help-images {
        gap: 50px;
        max-width: 350px;
    }
}

@media (max-width: 475px) {
    .nav-left img {
        width: 160px;
        height: auto;
        margin-top: 5px;
    }
    .get-started-btn-mobile {
        line-height: 40px;
    }
    .hamburger {
        position: relative;
        right: -7px;
        top: -2px;
    }
    .hero-image {
        margin-right: 10px;
    }
    .how-steps, .help-images {
        grid-template-columns: 1fr;
        gap: 70px;
        max-width: 350px;
    }
}

@media (max-width: 450px) {
    .nav-left img {
        width: 140px;
    }
    .get-started-btn-mobile {
        margin-right: -5px;
    }
    .hero-text {
        max-width: 400px;
    }
    .hero-text h1, .hero-text-about h1 {
        font-size: 60px;
    }
    .hero-text p {
        font-size: 18px;
        max-width: 220px;
    }
    #hero-p2 {
        max-width: 480px;
        margin-top: 30px;
    }
    .hero-image img {
        width: 120px;
    }
    .hero-image {
        margin-right: 10px;
        margin-top: -340px;
    }
}

@media (max-width: 425px) {
    .hero-image {
        margin-right: -10px;
    }
}

@media (max-width: 415px) {
    .hero-image {
        margin-right: -20px;
    }
}


@media (max-width: 405px) {
    .nav-left img {
        width: 120px;
        margin-left: -10px;
    }
    .get-started-btn-mobile {
        margin-right: -5px;
        width: 120px;
    }
    .hero-text {
        max-width: 320px;
    }
    .hero-text h1, .hero-text-about h1 {
        font-size: 50px;
        margin-bottom: 45px;
    }
    .hero-text p {
        font-size: 15px;
        max-width: 160px;
    }
    .hero-text-about p {
        font-size: 15px;
    }

    #hero-p2 {
        max-width: 300px;
        margin-top: 30px;
    }
    .hero-image img {
        width: 100px;
    }
    .hero-image {
        margin-top: -310px;
        margin-right: 15px;
    }
}

@media (max-width: 370px) {
    .hero-image {
        margin-right: 5px;
    }
}

@media (max-width: 350px) {
    .nav-left img {
        width: 110px;
        margin-left: -10px;
    }
    .get-started-btn-mobile {
        margin-left: 20px;
        width: 110px;
    }
    .hero-text {
        max-width: 280px;
    }
    .hero-text h1 {
        font-size: 46px;
    }
    .hero-text p {
        font-size: 15px;
        max-width: 160px;
    }
    #hero-p2 {
        max-width: 280px;
        margin-top: 30px;
    }
    .hero-image img {
        width: 90px;
    }
    .hero-image {
        margin-top: -335px;
        margin-right: 0px;
    }
}

@media (max-width: 330px) {
    .hero-image {
        margin-right: -15px;
    }
}

/* ===== iframe ===== */

iframe {
  width: 100%;
  height: 490px;
  overflow: hidden;
  scrolling: no;
}

@media (max-width: 1410px) {
  iframe {
    height: 400px;
  }
}

@media (max-width: 1260px) {
  iframe {
    height: 520px;
  }
}

@media (max-width: 1023px) {
  iframe {
    height: 540px;
  }
}

@media (max-width: 927px) {
  iframe {
    height: 790px;
  }
}