@import url('https://fonts.googleapis.com/css?family=Montserrat:700,400&display=swap');
:root {
  --red: #e53935;
  --dark: #222;
  --light: #fafafa;
  --gray: #666;
  --border-radius: 10px;
  --transition: 0.2s;
}
body {
  margin: 0;
  font-family: 'Montserrat', Arial, sans-serif;
  background: var(--light);
  color: var(--dark);
}
a { text-decoration: none; color: inherit; }
/* Header/Hero */
.hero {
  background: url('hero-bg.jpg') center/cover no-repeat;
  min-height: 100vh;
  position: relative;
  color: var(--dark);
  display: flex;
  flex-direction: column;
}
.hero::before {
  content: '';
  position: absolute;
  top: 80px; /* height of navbar */
  left: 0;
  width: 100%;
  height: calc(100% - 80px);
  background: linear-gradient(to right, rgba(255,255,255,0.97) 0%, rgba(255,255,255,0.7) 60%, rgba(255,255,255,0.3) 100%);
  z-index: 1;
  pointer-events: none;
}
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 40px;
  background: rgba(255,255,255,0.95);
  border-bottom: 1px solid #eee;
  position: sticky;
  top: 0;
  z-index: 10;
  box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}
.navbar .logo {
  display: flex;
  align-items: center;
}
.navbar .logo img {
  width: 40px;
  margin-right: 12px;
}
.navbar .logo .brand {
  font-weight: bold;
  font-size: 1.2em;
}
.navbar .logo .subtitle {
  font-size: 0.9em;
  color: var(--gray);
  margin-left: 32px;
}
.navbar .contact {
  display: flex;
  align-items: center;
  gap: 24px;
  font-size: 0.98em;
}
.navbar .contact i {
  color: var(--red);
  margin-right: 4px;
}
.navbar .cta {
  background: var(--red);
  color: #fff;
  border: none;
  border-radius: 6px;
  padding: 10px 22px;
  font-weight: bold;
  cursor: pointer;
  transition: background var(--transition);
}
.navbar .cta:hover {
  background: #b71c1c;
}
.hero-content {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  padding: 80px 40px 40px 80px;
  max-width: 700px;
  margin-top: 60px;
  position: relative;
  z-index: 2;
}
.hero-content h1 {
  color: var(--red);
  font-size: 3.6em;
  margin: 0 0 16px 0;
  font-weight: 700;
  white-space: nowrap;
}
.hero-content h2 {
  font-size: 2.55em;
  margin: 0 0 16px 0;
  font-weight: 700;
}
.hero-content p {
  color: var(--gray);
  margin: 0 0 24px 0;
  font-size: 1.65em;
}
.hero-content .features {
  display: flex;
  gap: 60px;
  margin: 24px 0;
  font-size: 1.5em;
}
.hero-content .features span {
  display: flex;
  align-items: center;
  font-size: 1em;
  color: var(--dark);
  font-weight: bold;
}
.hero-content .features i {
  color: var(--red);
  margin-right: 6px;
}
.hero-content .actions {
  display: flex;
  gap: 24px;
  margin-top: 24px;
}
.hero-content .actions .btn-main, .hero-content .actions .btn-outline, .hero-content .actions a.btn-main {
  background: var(--red);
  color: #fff;
  border: none;
  border-radius: 6px;
  padding: 14px 28px;
  font-size: 1.1em;
  font-weight: bold;
  cursor: pointer;
  transition: background var(--transition);
}
.hero-content .actions .btn-main:hover {
  background: #b71c1c;
}
.hero-content .actions .btn-outline {
  background: transparent;
  color: var(--red);
  border: 2px solid var(--red);
  border-radius: 6px;
  padding: 14px 28px;
  font-size: 1.1em;
  font-weight: bold;
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
}
.hero-content .actions .btn-outline:hover {
  background: var(--red);
  color: #fff;
}
/* Commercial Lending */
.section {
  padding: 60px 0;
  background: #fff;
  display: flex;
  justify-content: center;
  align-items: center;
}
.commercial-lending {
  display: flex;
  gap: 48px;
  max-width: 1200px;
  width: 100%;
  margin: 0 auto;
  align-items: center; /* Center vertically */
}
.commercial-info {
  flex: 1.2;
}
.commercial-info h2 {
  font-size: 2.2em;
  margin-bottom: 8px;
}
.commercial-info p {
  color: var(--gray);
  margin-bottom: 24px;
}
.property-types {
  background: #fafafa;
  border-radius: var(--border-radius);
  padding: 18px 24px;
  margin-bottom: 24px;
  border: 1px solid #eee;
  display: flex;
  flex-direction: column;
  gap: 10px;
  max-width: 500px;
}
.property-types .title {
  color: var(--red);
  font-weight: bold;
  font-size: 1.2em;
  margin-bottom: 8px;
}
.property-types .tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.property-types .tag {
  background: #fff;
  border: 1px solid #eee;
  border-radius: 20px;
  padding: 6px 16px;
  font-size: 1em;
  color: var(--dark);
}
.options-list {
  display: flex;
  gap: 32px;
  margin-top: 10px;
}
.options-list ul {
  list-style: none;
  padding-left: 0;
  margin: 0;
  flex: 1;
}
.options-list li {
  color: var(--red);
  font-size: 1.1em;
  margin-bottom: 10px;
  position: relative;
  padding-left: 0;
  white-space: nowrap;
}
.options-list li::before {
  content: none;
}
.commercial-image {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
}
.commercial-image img {
  width: 100%;
  max-width: 600px;
  border-radius: 18px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.08);
}
.commercial-image, .sbl-image {
  position: relative;
}
.commercial-image::after, .sbl-image::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 0;
  width: 100%;
  height: 60%;
  pointer-events: none;
  background: linear-gradient(to top, rgba(229,57,53,0.18) 0%, rgba(229,57,53,0.08) 40%, transparent 100%);
  border-radius: 18px;
  z-index: 2;
}
.commercial-image img, .sbl-image img {
  position: relative;
  z-index: 1;
}
/* Small Business Lending */
.small-business-lending {
  display: flex;
  gap: 48px;
  max-width: 1200px;
  width: 100%;
  margin: 0 auto;
  align-items: center;
  padding: 60px 0;
  justify-content: space-between;
}
.sbl-image {
  flex: 1.2;
  display: flex;
  align-items: center;
  justify-content: center;
}
.sbl-image img {
  width: 100%;
  max-width: 700px;
  border-radius: 18px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.08);
}
.sbl-info {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.sbl-info h2 {
  font-size: 2.2em;
  margin-bottom: 0;
}
.sbl-info .yes {
  color: var(--red);
  font-size: 1.3em;
  font-weight: bold;
  margin-bottom: 0;
}
sbl-info p {
  color: var(--gray);
  margin-bottom: 0;
}
.loan-types {
  background: #fff;
  border-radius: var(--border-radius);
  padding: 18px 24px;
  border: 1px solid #eee;
  margin-bottom: 10px;
  max-width: 420px;
}
.loan-types .title {
  color: var(--red);
  font-weight: bold;
  font-size: 1.2em;
  margin-bottom: 8px;
}
.loan-types ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.loan-types li {
  color: var(--dark);
  font-size: 1.1em;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
}
.loan-types li i {
  color: var(--red);
  margin-right: 8px;
}
.prequal-box {
  background: #f5f5f5;
  border-radius: var(--border-radius);
  padding: 18px 24px;
  border: 1px solid #eee;
  margin-top: 10px;
  max-width: 420px;
}
.prequal-box h3 {
  margin: 0 0 8px 0;
  font-size: 1.1em;
}
.prequal-box p {
  color: var(--gray);
  margin: 0 0 12px 0;
}
.prequal-box .btn-main {
  background: var(--red);
  color: #fff;
  border: none;
  border-radius: 6px;
  padding: 12px 22px;
  font-size: 1em;
  font-weight: bold;
  cursor: pointer;
  transition: background var(--transition);
}
.prequal-box .btn-main:hover {
  background: #b71c1c;
}
.partner-images {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-top: 20px;
  padding: 20px;
  background: #f9f9f9;
  border-radius: var(--border-radius);
  border: 1px solid #eee;
  max-width: 420px;
}
.partner-logo {
  max-width: 150px;
  height: auto;
  transition: opacity var(--transition);
}
.partner-logo:hover {
  opacity: 0.8;
}
.partner-portrait {
  max-width: 120px;
  height: auto;
  border-radius: 50%;
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,0.1);
}
/* Footer */
footer {
  background: #222;
  color: #fff;
  padding: 40px 0 20px 0;
  font-size: 1em;
}
.footer-content {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
  padding: 0 40px;
  align-items: flex-start;
}
.footer-section {
  flex: 1;
  min-width: 220px;
}
.footer-section h3, .footer-section .footer-author {
  color: var(--red);
  font-weight: bold;
  margin-bottom: 16px;
  margin-top: 0;
}
.footer-section .footer-brand {
  font-size: 1.2em;
  font-weight: bold;
  letter-spacing: 0.5px;
  display: inline-block;
  margin-bottom: 16px;
}
.footer-section ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-section li {
  margin-bottom: 8px;
  color: #fff;
}
.footer-section .footer-contact i {
  color: var(--red);
  margin-right: 8px;
}
.footer-section .footer-contact {
  margin-bottom: 16px;
  display: flex;
  align-items: center;
}
.footer-section .footer-contact:last-child {
  margin-bottom: 0;
}
.footer-section .footer-desc {
  color: #ccc;
  margin-bottom: 0;
}
.footer-section .footer-author {
  color: #fff;
  font-weight: bold;
  margin-bottom: 8px;
}
.footer-bottom {
  text-align: center;
  color: #aaa;
  margin-top: 30px;
  font-size: 0.95em;
  border-top: 1px solid #333;
  padding-top: 16px;
}
/* Responsive */
@media (max-width: 1200px) {
  .commercial-lending, .small-business-lending {
    max-width: 95%;
    gap: 40px;
  }
  .hero-content {
    max-width: 600px;
    padding: 60px 40px 40px 60px;
  }
}

@media (max-width: 1000px) {
  .commercial-lending, .small-business-lending, .footer-content {
    flex-direction: column;
    align-items: center;
    gap: 40px;
    padding: 40px 20px;
  }
  .hero-content {
    padding: 40px 20px 20px 20px;
    margin-top: 30px;
    max-width: 100%;
  }
  .hero-content h1 {
    font-size: 3em;
  }
  .hero-content h2 {
    font-size: 2em;
  }
  .hero-content p {
    font-size: 1.3em;
  }
  .hero-content .features {
    font-size: 1.2em;
    gap: 40px;
  }
  .commercial-info, .sbl-info {
    text-align: center;
  }
  .options-list {
    justify-content: center;
    gap: 40px;
  }
  .property-types {
    max-width: 100%;
  }
  .loan-types, .prequal-box {
    max-width: 100%;
  }
}

@media (max-width: 768px) {
  .navbar {
    flex-direction: column;
    align-items: center;
    gap: 20px;
    padding: 15px 20px;
  }
  .navbar .logo {
    flex-direction: column;
    text-align: center;
    gap: 10px;
  }
  .navbar .logo .subtitle {
    margin-left: 0;
    margin-top: 5px;
  }
  .navbar .contact {
    flex-direction: column;
    gap: 15px;
    text-align: center;
  }
  .hero-content {
    padding: 30px 15px 15px 15px;
    margin-top: 20px;
    text-align: center;
  }
  .hero-content h1 {
    font-size: 2.5em;
    white-space: normal;
    line-height: 1.1;
  }
  .hero-content h2 {
    font-size: 1.6em;
  }
  .hero-content p {
    font-size: 1.1em;
  }
  .hero-content .features {
    flex-direction: column;
    gap: 15px;
    font-size: 1.1em;
  }
  .hero-content .actions {
    flex-direction: column;
    gap: 15px;
    align-items: center;
  }
  .hero-content .actions .btn-main, 
  .hero-content .actions .btn-outline, 
  .hero-content .actions a.btn-main {
    width: 100%;
    max-width: 300px;
    padding: 16px 24px;
    font-size: 1em;
  }
  .section, .small-business-lending {
    padding: 30px 15px;
  }
  .commercial-lending, .small-business-lending {
    gap: 30px;
  }
  .commercial-info h2, .sbl-info h2 {
    font-size: 1.8em;
  }
  .commercial-info p, .sbl-info p {
    font-size: 1em;
  }
  .property-types .tags {
    justify-content: center;
  }
  .property-types .tag {
    font-size: 0.9em;
    padding: 5px 12px;
  }
  .options-list {
    flex-direction: column;
    gap: 20px;
  }
  .options-list li {
    font-size: 1em;
    text-align: center;
  }
  .loan-types li {
    font-size: 1em;
  }
  .footer-content {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 30px;
    padding: 0 20px;
  }
  .footer-section {
    min-width: auto;
    width: 100%;
  }
  .footer-section .footer-contact {
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .navbar {
    padding: 10px 15px;
  }
  .navbar .logo .brand {
    font-size: 1em;
  }
  .navbar .logo .subtitle {
    font-size: 0.8em;
  }
  .hero-content {
    padding: 20px 10px 10px 10px;
    margin-top: 10px;
  }
  .hero-content h1 {
    font-size: 2em;
  }
  .hero-content h2 {
    font-size: 1.4em;
  }
  .hero-content p {
    font-size: 1em;
  }
  .hero-content .features {
    font-size: 1em;
  }
  .hero-content .actions .btn-main, 
  .hero-content .actions .btn-outline, 
  .hero-content .actions a.btn-main {
    padding: 14px 20px;
    font-size: 0.9em;
  }
  .section, .small-business-lending {
    padding: 20px 10px;
  }
  .commercial-info h2, .sbl-info h2 {
    font-size: 1.6em;
  }
  .property-types {
    padding: 15px 20px;
  }
  .property-types .tag {
    font-size: 0.8em;
    padding: 4px 10px;
  }
  .options-list li {
    font-size: 0.9em;
  }
  .loan-types li {
    font-size: 0.9em;
  }
  .prequal-box {
    padding: 15px 20px;
  }
  .prequal-box h3 {
    font-size: 1em;
  }
  .prequal-box p {
    font-size: 0.9em;
  }
  .footer-content {
    padding: 0 15px;
  }
  .footer-section .footer-brand {
    font-size: 1em;
  }
  .footer-section h3 {
    font-size: 1.1em;
  }
  .footer-section .footer-contact {
    font-size: 0.9em;
  }
}

@media (max-width: 700px) {
  .hero::before {
    top: 120px;
    height: calc(100% - 120px);
    background: linear-gradient(to right, rgba(255,255,255,0.99) 0%, rgba(255,255,255,0.9) 50%, rgba(255,255,255,0.6) 100%);
  }
}