* {
  box-sizing: border-box;
  max-width: 100%;
}

body {
  font-family: 'montserrat', sans-serif;
  background: #f7f9fb;
  color: #222;
  margin: 0;
}
@media (max-width: 500px) {
  .container,
  .testimonial,
  .pricing-section,
  .text-box,
  .calculator-cards.container,
  .blog-section.container {
    width: 100%;
    padding: 0 1rem;
    overflow-x: hidden;
  }

  .card {
    min-width: 0 !important;
  }
}


.hero {
  box-sizing: border-box;
}

.hero p {
  color: #3a4a5c;
  font-size: 1.1rem;
  max-width: 600px;
  margin:  auto;
}

/* Testimonial Section */

    .mt-testimonial-slider {
      padding: 50px 20px;
      text-align: center;
      background: transparent;
    }

    .mt-section-header h2 {
      font-size: 2rem;
      margin-bottom: 10px;
    }

    .mt-section-header p {
      color: #555;
      margin-bottom: 40px;
    }

    .mt-slider-container {
      max-width: 700px;
      margin: 0 auto;
      position: relative;
    }

    .mt-testimonial {
      display: none;
      background: rgba(0, 123, 255, 0.05);
      padding: 25px;
      border-radius: 12px;
      transition: all 0.5s ease;
    }

    .mt-testimonial.active {
      display: block;
    }

    .mt-testimonial img {
      width: 60px;
      height: 60px;
      border-radius: 50%;
      margin-bottom: 15px;
    }

    .mt-testimonial h3 {
      margin: 10px 0 5px;
      color: #051a75f3;
      font-size: 1.1rem;
    }

    .mt-testimonial h3 span {
      color: #555;
      font-weight: normal;
    }

    .mt-testimonial p {
      font-style: italic;
      color: #333;
    }

    .mt-dots {
      margin-top: 20px;
    }

    .mt-dots span {
      display: inline-block;
      height: 12px;
      width: 12px;
      margin: 0 5px;
      background: #bbb;
      border-radius: 50%;
      cursor: pointer;
      transition: background 0.3s;
    }

    .mt-dots span.active {
      background: #007bff;
    }
/* Features & Pricing */
.pricing-section {
  border-radius: 16px;
  max-width: 1100px;
  margin: 3rem auto;
  padding: 3rem 2rem;
  display: flex;
  flex-wrap: wrap;
  gap: 2.5rem;
  align-items: flex-start;
  justify-content: space-between;
}

@media (max-width: 900px) {
  .pricing-section {
    flex-direction: column;
    padding: 2rem 1rem;
    margin: 2rem auto;
    gap: 2rem;
  }
}

@media (max-width: 500px) {
  .pricing-section {
    padding: 1.5rem 1rem;
    margin: 1.5rem auto;
  }
}

.features {
  flex: 2;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

@media (max-width: 900px) {
  .features {
    flex: none;
    width: 100%;
  }
}

.feature-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.feature-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #e6eef7;
}

.icon-yellow {
  background: #ffe066;
}

.icon-green {
  background: #b2f2bb;
}

.icon-purple {
  background: #d0bfff;
}

.feature-text h4 {
  margin: 0 0 0.2rem 0;
  color: #003479;
  font-size: 1.1rem;
  font-weight: 600;
}

.feature-text p {
  margin: 0;
  color: #3a4a5c;
  font-size: 1rem;
}

.pricing-box {
  flex: 1;
  background: #f7f9fb;
  border-radius: 8px;
  padding: 1.5rem;
  text-align: center;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.03);
}

@media (max-width: 900px) {
  .pricing-box {
    flex: none;
    width: 100%;
  }
}

.pricing-box .price h1 {
  font-size: 1.2rem;
  color: #003479;
  margin: 0 0 1rem 0;
}

.pricing-box .btn {
  background: #003479;
  color: #fff;
  border: none;
  padding: 0.5rem 1.1rem;
  border-radius: 4px;
  font-weight: 500;
  font-size: 1rem;
  cursor: pointer;
  transition: background 0.2s;
}

.pricing-box .btn:hover,
.pricing-box .btn:focus {
  background: #1a2b4c;
}

/* Blog Section */
.blog-section.container {
  max-width: 1200px;
  margin: 2rem auto;
  padding: 0 1rem;
}

.blog-posts {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
  justify-content: center;
}

.blog-posts .card {
  width: 320px;
  min-height: 320px;
  padding: 0;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  border-radius: 10px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.blog-posts .card img {
  width: 100%;
  height: 160px;
  object-fit: cover;
}

.card-content {
  padding: 1rem;
}

.card-content .date {
  color: #8a99b3;
  font-size: 0.95rem;
  margin-bottom: 0.5rem;
}

.card-content .card-title {
  color: #003479;
  font-size: 1.1rem;
  font-weight: 600;
}

/* Footer */
.footer {
      background: #003479;
      color: #fff;
      padding: 3rem 1rem 2rem 1rem;
      margin-top: 3rem;
    }

    .footer-container {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
      gap: 2rem;
      max-width: 1200px;
      margin: 0 auto;
    }

    .footer-column h4 {
      color: #FF8A00;
      font-size: 1.1rem;
      margin-bottom: 1rem;
      font-weight: 600;
    }

    .footer-column a {
      display: block;
      color: #e6eef7;
      text-decoration: none;
      margin-bottom: 0.5rem;
      font-size: 1rem;
      transition: color 0.2s;
    }

    .footer-column a:hover,
    .footer-column a:focus {
      color: #e97c17;
      text-decoration: underline;
    }

    .footer a[href="#"] {
      cursor: not-allowed;
      opacity: 0.6;
    }

    .footer-column h4::after {
      content: '';
      display: block;
      width: 30px;
      border-bottom: 2px solid #ffe066;
      margin-top: 0.3rem;
    }

    .footer a {
      word-wrap: break-word;
    }

    .footer-column {
      padding-bottom: 1rem;
    }

    .footer a:focus {
      outline: 2px dashed #ffe066;
      outline-offset: 2px;
    }

    .footer-column:last-child {
      margin-bottom: 2rem;
    }

    .footer-bottom {
      text-align: center;
      font-size: 0.9rem;
      padding-top: 2rem;
      border-top: 1px solid #446caa;
      margin-top: 2rem;
      color: #e0eaf5;
    }


@media (max-width: 500px) {
  .hero h1 {
    font-size: 1.3rem;
  }

  .testimonial,
  .pricing-section {
    padding: 0.7rem;
  }

  .card {
    padding: 1rem 0.7rem;
    min-height: 220px;
  }

  .blog-posts .card {
    width: 100%;
    min-width: 0;
  }
}

/* Hide nav-toggle checkbox */
.nav-toggle {
  display: none;
}

/* Hamburger menu icon */
.nav-toggle-label {
  display: none;
  cursor: pointer;
  margin-right: 1rem;
  flex-direction: column;
  gap: 4px;
  height: 32px;
  justify-content: center;
}

.nav-toggle-label span {
  display: block;
  width: 28px;
  height: 3px;
  background: #003479;
  border-radius: 2px;
  margin: 4px 0;
}

@media (max-width: 700px) {
  .nav-toggle-label {
    display: flex;
  }
}


.text-box {
  max-width: 900px;
  margin: 2rem auto;
  padding: 2rem;
}

.text-box h1 {
  margin-top: 0;
  color: #003479;
  font-size: 2rem;
}

.text-box p {
  color: #3a4a5c;
  font-size: 1.1rem;
}

/* Accessibility: Focus outlines */
a:focus,
button:focus,
.btn:focus {
  outline: 2px solid #ffe066;
  outline-offset: 2px;
}

.responsive-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.7rem 2rem;
  background: #fff;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
  position: sticky;
  top: 0;
  z-index: 1000;
}


.menu {
  display: flex;
  align-items: center;
  list-style: none;
  margin: 0;
  padding: 0;
}

.menu li {
  position: relative;
}

.menu>li {
  margin-left: 1.5rem;
}

.menu a {
  text-decoration: none;
  color: rgb(0, 0, 0);
  font-weight: 500;
  padding: 0.5rem 0.8rem;
  border-radius: 4px;
  transition: background 0.2s;
}

.menu a:hover,
.menu a:focus {
  color: #1900ff;
  /* Default color */
  transition: color 0.3s;
  /* Smooth transition */
}

.btn-primary {
  background: #FF8A00;
  color: #000;
  padding: 0.5rem 1.2rem;
  border-radius: 20px;
  font-weight: bold;
  margin-left: 1rem;
  transition: background 0.2s;
}

.btn-primary:focus {
  background: #ffa733;
  color: #000;
}

/* Dropdown styles */
.dropdown:hover>.dropdown-menu,
.dropdown:focus-within>.dropdown-menu {
  display: block;
}

.dropdown-menu {
  display: none;
  position: absolute;
  top: 2.8rem;
  left: 0;
  background: #fff;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
  border-radius: 6px;
  min-width: 180px;
  z-index: 10;
}

.dropdown-menu li {
  margin: 0;
}

.dropdown-menu a {
  display: block;
  padding: 0.7rem 1.2rem;
  color: #000000;
  border-radius: 0;
}

.dropdown-menu a:hover {
  background: #f0f4fa;
}

/* Hamburger menu styles */
.nav-toggle {
  display: none;
}

.nav-toggle-label {
  display: none;
  flex-direction: column;
  cursor: pointer;
  width: 36px;
  height: 36px;
  justify-content: center;
  align-items: center;
  margin-left: auto;
}

.nav-toggle-label span {
  display: block;
  width: 28px;
  height: 4px;
  background: #003479;
  margin: 4px 0;
  border-radius: 2px;
  transition: 0.3s;
}


@media (max-width: 700px) {
  .responsive-header {
    flex-wrap: wrap;
    padding: 0;
  }

  .nav-toggle-label {
    display: flex;
  }

  .menu {
  position: absolute;
  top: 100%;
  left: 0;
  width: 100vw;
  background: #fff;
  flex-direction: column;
  align-items: flex-start;
  padding: 1rem 0;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
  display: none;
  overflow-x: hidden;
}

  .menu>li {
    margin: 0.5rem 1.5rem;
    width: 100%;
  }

  .menu .btn-primary {
    margin-left: 0;
    margin-top: 0.5rem;
    width: calc(100% - 3rem);
    text-align: center;
  }

  .dropdown-menu {
    position: static;
    box-shadow: none;
    background: #f8f8f8;
    min-width: 0;
    border-radius: 0;
    margin-left: 1rem;
  }

  .dropdown:hover>.dropdown-menu,
  .dropdown:focus-within>.dropdown-menu {
    display: none;
  }

  .dropdown>a:after {
    content: " ▼";
    font-size: 0.7em;
  }

  .dropdown>a[aria-expanded="true"]+.dropdown-menu {
    display: block;
  }

  /* Show menu when nav-toggle is checked */
  .nav-toggle:checked~nav .menu {
    display: flex;
  }

  /* Hamburger animation */
  .nav-toggle:checked+.nav-toggle-label span:nth-child(1) {
    transform: translateY(8px) rotate(45deg);
  }

  .nav-toggle:checked+.nav-toggle-label span:nth-child(2) {
    opacity: 0;
  }

  .nav-toggle:checked+.nav-toggle-label span:nth-child(3) {
    transform: translateY(-8px) rotate(-45deg);
  }
}


.hero {
  background: linear-gradient(90deg, #e6f0fa 0%, #fff 100%);
  width: 100%;
  min-height: 70vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  padding: 3rem 0;
  /* Added vertical padding */
  margin-bottom: 2rem;
}

@media (max-width: 700px) {
  .hero {
    padding: 2rem 1rem;
  }
}

.hero .tagline {
  display: inline-block;
  background: #FF8A00;
  color: rgb(0, 0, 0);
  padding: 5px 10px;
  margin-bottom: 20px;
  border-radius: 10px;
  font-size: 14px;
  letter-spacing: 1px;

}

.hero h1 {
  font-size: 50px;
  margin: 1rem 0 0.5rem 0;
  font-weight: 700;
}

.hero p {
  font-size: 1.2rem;
  color: #000000;
  max-width: 600px;
  margin: 0 auto;
}

/* -------------------- */
/* Testimonial Section  */
/* -------------------- */
.testimonial {
  background: #ffffff;
  padding: 2.5rem 2rem;
  margin: 2rem auto;
  border-radius: 16px;

  max-width: 1160px;
}

@media (max-width: 700px) {
  .testimonial {
    padding: 1rem 1rem;
    margin: 1.5rem auto;
  }
}

@media (max-width: 420px) {
  .testimonial {
    padding: 0.5rem 0.5rem;
    margin: 1rem 0;
  }
}

.testimonial-content {
  display: flex;
  align-items: center;
  gap: 2.5rem;
  flex-wrap: wrap;

}

.testimonial .quote {
  flex: 2;
}

.testimonial .quote h1 {
  color: #003479;
  font-size: 2rem;
  margin-bottom: 0.5rem;

}

.testimonial .quote .author {
  margin-top: 2.2rem;
  color: #ff8a00;
  font-weight: 600;
}

.testimonial .stats {
  display: flex;
  gap: 2rem;
  margin-top: 1.5rem;
}

.testimonial .stats h2 {
  color: #003479;
  font-size: 2rem;
  margin-bottom: 0.2rem;
}

.testimonial .photo img {
  width: 400px;
  background-color: #ccc;
  border-radius: 8px;
  align-self: flex-end;
  max-width: 100%;
  height: auto;
  object-fit: cover;
}

@media (max-width: 768px) {
  .container {
    justify-content: flex-start;
    /* stack naturally */
    padding: 10px;
  }

  .photo {
    margin-top: auto;
    /* pushes it to the bottom */
  }
}

.calculator-cards.container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
  gap: 1.5rem;
  padding: 2rem 1rem;
  max-width: 1200px;
  margin: auto;
}

.card {
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
  padding: 1.5rem 1.2rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  transition: transform 0.15s, box-shadow 0.15s;
  position: relative;
}

.card:hover {
  transform: translateY(-4px) scale(1.02);
  box-shadow: 0 6px 24px rgba(0, 52, 121, 0.10);
}

.card .circle {
  width: 38px;
  height: 38px;
  background: #ff8a00;
  color: #fff;
  font-weight: bold;
  font-size: 1.2rem;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.8rem;
}

.card h3 {
  color: #003479;
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.card p {
  font-size: 0.98rem;
  color: #444;
  margin-bottom: 1rem;
}

.card .btn {
  background: #003479;
  color: #fff;
  border: none;
  padding: 0.5rem 1.1rem;
  border-radius: 20px;
  font-size: 1rem;
  font-weight: 500;
  cursor: pointer;
  transition: background 0.2s;
  text-decoration: none;
}

.card .btn:hover {
  background: #ff8a00;
  color: #222;
}

/* Special card for "more calculators" */
.card h1,
.card h2 {
  color: #ff8a00;
  margin-bottom: 0.5rem;
}


.WOW {

  padding: 2rem 1rem;
  margin: 2rem auto;
  max-width: 900px;
  text-align: center;
}

.WOW h2 {
  color: #003479;
  font-size: 30px;
  margin-bottom: 0.7rem;
}

/* -------------------- */
/* Swiper Testimonials  */
/* -------------------- */
.testimonials-section {
  background: #fff;
  padding: 2.5rem 1rem;
  border-radius: 16px;
  box-shadow: 0 2px 16px rgba(0, 0, 0, 0.04);
  max-width: 900px;
  margin: 2rem auto;
}

.testimonials-section .intro {
  text-align: center;
  margin-bottom: 1.5rem;
}

.mySwiper {
  width: 100%;
  max-width: 600px;
  margin: 0 auto;
}

.swiper-slide {
  background: #e6f0fa;
  border-radius: 12px;
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.swiper-slide .user-info {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
}

.swiper-slide .user-info img {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid #ff8a00;
}

.swiper-slide .details {
  font-weight: 600;
  color: #003479;
}
.swiper,
.calculator-cards.container,
.blog-section.container {
  overflow-x: hidden;
  width: 100%;
}


/* -------------------- */
/* Features & Pricing   */
/* -------------------- */
.pricing-section {
  background: #e6f0fa;
  border-radius: 16px;
  padding: 3rem 2rem;
  max-width: 1100px;
  margin: 3rem auto;
  display: flex;
  flex-wrap: wrap;
  gap: 2.5rem;
  align-items: flex-start;
  justify-content: space-between;
}

@media (max-width: 900px) {
  .pricing-section {
    flex-direction: column;
    padding: 2rem 1.5rem;
    margin: 2rem auto;
    gap: 2rem;
  }
}

@media (max-width: 600px) {
  .pricing-section {
    padding: 1.5rem 1rem;
    margin: 1.5rem auto;
    gap: 1.5rem;
  }
}

.features {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  flex: 2;
}

@media (max-width: 900px) {
  .features {
    flex: none;
    width: 100%;
  }
}

.feature-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.feature-icon {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #033186;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
}

.icon-yellow {
  background: #151fb3;
}

.icon-green {
  background: #faa810;
}

.icon-purple {
  background: #0a0a0a;
}

.feature-text h4 {
  color: #003479;
  font-size: 1.1rem;
  margin-bottom: 0.2rem;
}

.pricing-box {
  background: #00347942;
  border-radius: 12px;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
  padding: 2.5rem 2rem;
  min-width: 220px;
  text-align: center;
  flex: 1;
}

@media (max-width: 900px) {
  .pricing-box {
    flex: none;
    width: 100%;
    padding: 2rem 1.5rem;
  }
}

.pricing-box .btn {
  margin-top: 1rem;
  background: #003479;
  color: #fff;
  border: none;
  padding: 0.6rem 1.5rem;
  border-radius: 20px;
  font-size: 1rem;
  font-weight: 500;
  cursor: pointer;
  transition: background 0.2s;
}

.pricing-box .btn:hover {
  background: #003479;
  color: #fff;
}

/* -------------------- */
/* Blog Section         */
/* -------------------- */
.blog-section.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 2rem 1rem;
}

.blog-posts {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
  gap: 1.5rem;
}

.blog-posts .card {
  padding: 0;
  align-items: stretch;
}

.blog-posts .card img {
  width: 100%;
  height: 160px;
  object-fit: cover;
  border-radius: 12px 12px 0 0;
}

.card-content {
  padding: 1rem;
}

.card-content .date {
  color: #ff8a00;
  font-size: 0.95rem;
  margin-bottom: 0.4rem;
}

.card-content .card-title {
  color: #003479;
  font-weight: 600;
  font-size: 1.05rem;
}



@media (max-width: 900px) {
  .testimonial-content {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 1.5rem;
  }

  .testimonial .stats {
    justify-content: center;
  }

  .testimonial .photo img {
    width: 200px;
    height: 200px;
    border-radius: 50%;
    object-fit: cover;
  }

  .pricing-section {
    flex-direction: column;
    gap: 2rem;
    align-items: stretch;
  }
}

.quote {
  font-size: 17px;


}

@media (max-width: 700px) {
  .hero h1 {
    font-size: 1.7rem;
  }

  .testimonial .quote h1 {
    font-size: 1.3rem;
  }

  .WOW h2 {
    font-size: 1.1rem;
  }

  

  .card,
  .pricing-box,
  .testimonial,
  .testimonials-section,
  .text-box,
  .WOW {
    padding: 1rem 0.5rem;
  }
}

.mortgage-rate-section {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background-color: #f4f9ff;
  border-radius: 10px;
  padding: 3rem 3rem;
  max-width: 1100px;
  margin: 3rem auto;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.05);
  flex-wrap: wrap;
  /* Important for responsiveness */
}

.mortgage-rate-text {
  flex: 1 1 400px;
  margin-right: 30px;
}

.mortgage-rate-text h2 {
  font-size: 32px;
  color: #1d3557;
  margin-bottom: 20px;
}

.mortgage-rate-text p {
  font-size: 18px;
  color: #333;
  margin-bottom: 25px;
}

.mortgage-rate-text button {
  padding: 14px 24px;
  background-color: #003479;
  color: #fff;
  border: none;
  border-radius: 6px;
  font-weight: bold;
  cursor: pointer;
  font-size: 1rem;
  transition: background-color 0.3s ease;
}

.mortgage-rate-text button:hover,
.mortgage-rate-text button:focus {
  background-color: #00275b;
}

.mortgage-rate-image {
  flex: 1 1 300px;
  display: flex;
  justify-content: center;
  margin-top: 20px;
}

.mortgage-rate-image img {
  max-width: 100%;
  height: auto;
  border-radius: 10px;
  box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1);
}

/* Responsive adjustments */
@media (max-width: 768px) {
  .mortgage-rate-section {
    flex-direction: column;
    text-align: center;
    padding: 2rem 1.5rem;
  }

  .mortgage-rate-text {
    margin-right: 0;
    margin-bottom: 20px;
  }

  .mortgage-rate-text h2 {
    font-size: 24px;
  }

  .mortgage-rate-text p {
    font-size: 16px;
  }

  .mortgage-rate-text button {
    padding: 12px 20px;
    font-size: 0.95rem;
  }

  .mortgage-rate-image {
    margin-top: 15px;
  }
}

@media (max-width: 480px) {
  .mortgage-rate-section {
    padding: 1.5rem 1rem;
  }

  .mortgage-rate-text h2 {
    font-size: 20px;
  }

  .mortgage-rate-text p {
    font-size: 14px;
  }

  .mortgage-rate-text button {
    width: 100%;
    padding: 12px 0;
  }
}