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

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

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

:root {
    --elk-navy: #192d55;
    --elk-blue: #355a85;
    --elk-blue-light: #4a90e2;
    --elk-blue-lighter: #569ff7;
    --elk-gray-bg: #f8f9fa;
}

body {
    color: #333;
}

a {
    color: var(--elk-blue-light);
}

a:hover {
    color: var(--elk-navy);
}

.btn-elk-primary {
    background-color: #4A628A;
    border-color: #4A628A;
    color: #fff;
    font-weight: 600;
    letter-spacing: .03em;
    -webkit-tap-highlight-color: transparent;
}

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

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

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

/* ---------- Header ---------- */
.aux-nav {
    background-color: var(--elk-navy);
    color: #fff;
    font-size: .85rem;
    padding: .5rem 0;
}

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

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

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

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

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

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

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

/* ---------- Hero / Application form ---------- */
.masthead {
    position: relative;
    display: flex;
    align-items: center;
    min-height: 560px;
    padding: 3rem 0;
    overflow: hidden;
    /* 50% 50% keeps the couple centre-right and clear of the form column.
       'center right' pushed them left, behind the card. */
    background: url('/assets/images/hero-image.jpg') 50% 50% / cover no-repeat;
}

/* The old soft 90deg gradient let the photo bleed through under the form.
   The navy is now a hard-edged panel on the form column instead (below). */
.masthead::before {
    content: none;
}

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

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

/* Diagonal wedge transition into the photo. */
.masthead .row > [class*="col-"]::after {
    content: "";
    position: absolute;
    top: -3rem;
    bottom: -3rem;
    right: -100px;
    width: 100px;
    background-image: url('/assets/images/masthead.svg');
    background-size: 100% 100%;
    opacity: .88;
    z-index: -1;
}

.masthead > .container {
    position: relative;
    z-index: 1;
    min-width: 0;
}

.masthead h1 {
    color: #fff;
    font-weight: 700;
}

.masthead .lead {
    color: white;
    margin-bottom: 1.75rem;
}

.lead {
    font-size: 24px;
}

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

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

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

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

.logo {
    max-height: 52px;
    width: auto;
}

.hero-card {
    max-width: 90%;
    margin-left: auto;
    margin-right: auto;
}

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

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

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

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

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

/* ---------- Use of funds ---------- */
.home-uses {
    padding: 3.5rem 0;
}

.home-uses h2 {
    color: var(--elk-navy);
    font-weight: 700;
}

.use-card {
    text-align: left;
    padding: 2rem 1.75rem;
    height: 100%;
    background-color: #fff;
    border: 1px solid #e2e5ea;
    border-radius: .5rem;
    box-shadow: 0 .5rem 1.5rem rgba(25, 45, 85, .06);
}

.use-card-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 1.5rem;
}

.use-card i {
    font-size: 1.25rem;
    color: #fff;
    background-color: var(--elk-navy);
    width: 48px;
    height: 48px;
    line-height: 48px;
    border-radius: .5rem;
    text-align: center;
    flex-shrink: 0;
}

.use-card .svg-inline--fa.fa-file-invoice-dollar,
.use-card .svg-inline--fa.fa-cogs,
.use-card .svg-inline--fa.fa-notes-medical {
    color: #fff;
    background-color: var(--elk-navy);
    width: 48px;
    height: 48px;
    padding: .7rem;
    border-radius: .5rem;
    box-sizing: border-box;
    flex-shrink: 0;
}

.use-card h3 {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--elk-navy);
    margin-bottom: 0;
}

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

/* ---------- Why choose us ---------- */
.home-features {
    background-color: var(--elk-gray-bg);
    padding: 3.5rem 0;
}

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

.feature-card {
    border-radius: .75rem;
    overflow: hidden;
    box-shadow: 0 .5rem 1.5rem rgba(0, 0, 0, .08);
    margin-bottom: 1.5rem;
}

.feature-card .card-top {
    height: 200px;
    background-size: cover;
    background-position: center;
}

.feature-card .card-bottom {
    background-color: var(--elk-navy);
    color: #fff;
    padding: 1.25rem;
    text-align: left;
}

.feature-card .card-bottom i {
    font-size: 1.5rem;
    margin-right: .5rem;
}

.feature-card .card-bottom h5 {
    display: inline-block;
    margin: 0;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .03em;
}

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

.apply-cta h2 {
    font-weight: 700;
    font-size: 1.5rem;
    margin: 0;
}

/* ---------- Footer ---------- */
.site-footer {
    background-color: #355a85;
    color: #cfd8e8;
    padding: 3.5rem 0 1.5rem;
}

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

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

.site-footer .footer-logo img {
    max-width: 220px;
    margin-bottom: 1rem;
}

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

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

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

.trust-badges {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
}

.trust-badges img {
    max-height: 70px;
    margin: 0 .75rem 1rem;
}

.footer-disclaimer {
    border-top: 1px solid rgba(255, 255, 255, .15);
    margin-top: 2rem;
    padding-top: 1.5rem;
    font-size: .78rem;
    color: white;
}

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

@media (max-width: 767.98px) {
    .masthead {
        padding: 1rem 0;
    }

    .masthead .row > [class*="col-"]::before {
        top: -1rem;
        bottom: -1rem;
    }

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

    .home-uses .row.mt-4 {
        row-gap: 1.5rem;
    }

    .trust-badges {
        flex-direction: column;
    }

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

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

}

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

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