body,
html {
  margin: 0;
  padding: 0;
  font-family: "Times New Roman", Times, serif;
  overflow-x: hidden;
}

.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  background: white;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 10px; /* reduced right padding for mobile safety */
  z-index: 999;
  box-sizing: border-box;
}

.logo img {
  height: 75px; /* keeps big on desktop */
  max-width: 100%; /* ensures scaling on smaller screens */
}

.returning-btn {
  background: red;
  color: white;
  border: none;
  /* padding: 0.6em 1em;  */
  padding: 0.6em 1.2em; /* increased padding a bit */
  border-radius: 12px;
  /* font-family: "Times New Roman", serif; */
  font-family: "Times New Roman", serif;
  font-size: 1rem;
  cursor: pointer;
  height: auto; /* no fixed height */
  max-width: 100%; /* never overflow */
  box-sizing: border-box;
  /* white-space: normal;  */
  white-space: nowrap; /* ✅ prevent text from breaking */
  text-decoration: none; /* 🔥 removes underline */
  /* display: inline-block;  */
  display: inline-block; /* ✅ keeps button size to text */
}

.returning-btn:hover {
  background: rgb(154, 15, 15);
  transform: scale(1.05);
}

/*  .hero  */

.hero {
  position: relative;
  height: 100vh;
  background: url("hero_image.jpg") no-repeat center center/cover;
  display: flex;
  justify-content: center;
  align-items: center;
  text-align: center;
  padding: 0 20px;
}

.hero-content {
  color: white;
  max-width: 700px;
}
.hero-content h1 {
  font-size: 3rem; /* matches original size */
  font-weight: 600;
}
.hero-content h2 {
  font-size: 1.5rem;
  font-weight: 400;
}

.hero-content h1,
.hero-content h2 {
  margin: 0; /* remove default top/bottom space */
  line-height: 1.2; /* tighter line spacing */
}
.hero-content h2 {
  margin-top: 0.3rem; /* small gap */
}

.cta-btn {
  background-color: #f22; /* original red */
  color: white;
  padding: 0.75rem 1.5rem;
  border: none;
  border-radius: 5px;
  font-size: 1rem;
  font-family: "Times New Roman", serif;
  cursor: pointer;
  margin-top: 1rem; /* closer to h2 */
  height: 65px;
  border-radius: 12px;
}

.cta-btn:hover {
  background-color: #d11;
}

.why-loan {
  padding: 50px 0;
}

.container {
  max-width: 1100px;
  margin: auto;
  padding: 0 20px;
}

.loan-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 30px;
}

.loan-item {
  display: flex;
  align-items: flex-start;
  gap: 15px;
}

.loan-icon {
  width: 50px;
  height: auto;
}

.loan-text h3 {
  font-size: 1.25rem;
  font-weight: bold;
  margin-bottom: 8px;
  color: #222;
}

.loan-text p {
  font-size: 1rem;
  color: #333;
  line-height: 1.6;
}

.loan-icons-list {
  display: flex;
  flex-direction: column;
  gap: 15px;
}

.icons-wrapper {
  display: flex;
  align-items: flex-start;
  gap: 25px; /* space between chart icon and other icons */
}

.chart-icon img {
  width: 40px; /* match original size */
  height: auto;
}

.credit-icons {
  display: flex;
  flex-direction: column;
  gap: 30px; /* space between the 3 icons */
}

.icon-row {
  display: flex;
  align-items: center;
  gap: 10px;
}

.icon-row img {
  width: 30px;
  height: auto;
}

/* Responsive */
@media (max-width: 768px) {
  .loan-grid {
    grid-template-columns: 1fr;
  }
}

/* Red CTA Section */
.ctaa-section {
  background-color: #e52b27; /* red background */
  padding: 40px 0;
}

.ctaa-container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 30px; /* space between text and button */
  max-width: 900px;
  margin: 0 auto;
  text-align: left;
  flex-wrap: wrap; /* allows wrapping for smaller screens */
}

.ctaa-container p {
  color: white;
  font-size: 16px;
  line-height: 1.6;
  max-width: 380px;
  flex: 1 1 300px; /* flexible width for responsiveness */
  text-align: center; /* center text when it wraps */
}

.ctaa-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 2px solid white;
  color: white;
  text-decoration: none;
  padding: 15px 25px;
  font-weight: bold;
  border-radius: 6px;
  transition: all 0.3s ease;
  text-align: center;
  min-width: 150px; /* ensures button isn't too small */
}

.ctaa-btn:hover {
  background-color: white;
  color: #e52b27;
}

.what-is-speedcash {
  background-color: #000;
  padding: 60px 0;
}

.what-is-speedcash .container {
  display: flex;
  flex-wrap: wrap; /* stack in mobile */
  align-items: center;
  justify-content: center;
  max-width: 1000px; /* narrower on desktop */
  margin: 0 auto;
  padding: 0 20px;
  gap: 40px; /* space between text and image */
}

.what-is-speedcash .text {
  flex: 1 1 400px; /* fixed width range */
  color: white;
}

.what-is-speedcash h2 {
  font-size: 2.2rem;
  font-weight: bold;
  margin-bottom: 20px;
}

.what-is-speedcash p {
  line-height: 1.6;
  max-width: 420px; /* keeps text block narrower */
}

.what-is-speedcash .btn {
  display: inline-block;
  margin-top: 30px;
  padding: 12px 28px;
  border: 2px solid white;
  color: white;
  text-decoration: none;
  font-weight: bold;
  border-radius: 6px;
}

.what-is-speedcash .image {
  flex: 1 1 300px; /* smaller image area */
  display: flex;
  justify-content: center;
}

.what-is-speedcash .image img {
  max-width: 85%; /* smaller on desktop */
  height: auto;
  border-radius: 12px;
}

.how-it-works {
  text-align: center;
  padding: 50px 20px;
  background-color: #fff;
}

.how-it-works h2 {
  font-size: 2.5rem;
  font-weight: bold;
  margin-bottom: 50px;
}

/* 
bc */
@media (max-width: 768px) {
  .steps {
    flex-direction: column;
    align-items: center;
  }

  .step {
    max-width: 100%;
    text-align: center;
    margin-bottom: 25px;
  }

  .step img {
    width: 40px;
    height: 40px;
  }

  .step h3 {
    font-size: 1.1rem;
  }

  .step p {
    font-size: 0.95rem;
    padding: 0 15px;
  }
}

/* bc */
.steps {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  /* align-items: center; */
  max-width: 1100px;
  /* margin: 0 auto; */
  margin: auto;
}

.step {
  display: flex;
  /* align-items: center; */
  align-items: flex-start;
  gap: 20px;
  text-align: left;
  max-width: 300px;
}

.step img {
  width: 45px;
  height: auto;
  flex-shrink: 0;
}

.step h3 {
  font-size: 1rem;
  font-weight: bold;
  margin: 0 0 5px;
}

.step p {
  font-size: 0.95rem;
  line-height: 1.5;
  margin: 0;
}

.faq-container {
  display: flex;
  flex-direction: column;
  gap: 15px;
}
.faq-item {
  background: white;
  border-radius: 6px;
  overflow: hidden;
}
.faq-question {
  background: #f8f8f8; /* light blue */
  padding: 15px 20px;
  font-weight: 500;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1.1rem;
}
.faq-answer {
  display: none;
  padding: 15px 20px;
  /* font-size: 0.95rem; */
  font-size: 1.1rem; /* bigger */
  line-height: 1.6;
  color: #333;
}
.arrow {
  transition: transform 0.3s ease;
}
.faq-item.active .faq-answer {
  display: block;
}
.faq-item.active .arrow {
  transform: rotate(180deg);
}

.customer-reviews {
  text-align: center;
  padding: 40px 20px;
  background: #fff;
  border-top: 3px solid red;
  border-bottom: none;
}

.customer-reviews h2 {
  font-size: 26px;
  margin-bottom: 20px;
  font-weight: bold;
}

.stars {
  font-size: 36px; /* bigger size */
  color: gold; /* bright yellow color */
  font-weight: bold; /* make them look stronger */
  margin-bottom: 15px;
}

/* .review-text {
  font-size: 18px;
  color: #333;
  max-width: 700px;
  margin: 0 auto 20px;
  line-height: 1.5;
} */

.review-text {
  font-size: 20px; /* bigger text */
  line-height: 1.6; /* more spacing */
  color: #333;
  font-weight: 500; /* semi-bold */
  max-width: 800px;
  margin: 0 auto 20px;
}

.reviewer-img {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  margin-bottom: 10px;
}

.reviewer-name {
  font-weight: bold;
  margin-bottom: 15px;
}

.testimonial-slide {
  display: none;
  animation: fadeIn 0.6s ease-in-out;
}

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

.dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 15px;
}

.dot {
  width: 12px;
  height: 12px;
  background: #bbb;
  border-radius: 50%;
  display: inline-block;
  cursor: pointer;
  transition: background 0.3s;
}

.dot.active {
  background: #4caf50;
}

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.footer {
  background-color: #f2f2f2; /* CHANGE THIS to update footer background */
  color: black;
  padding: 40px 50px;
  font-family: Arial, sans-serif;
}

.footer-content {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
}

.footer-left {
  max-width: 70%;
}

.copyright {
  font-weight: bold;
  font-size: 22px;
  margin-bottom: 15px;
}

.license {
  font-weight: bold;
  font-size: 18px;
  margin-bottom: 15px;
}

.loan-info {
  font-size: 16px;
  line-height: 1.6;
}

.footer-right {
  display: flex;
  align-items: start;
}

.return-btn {
  display: inline-block;
  border: 2px solid black;
  padding: 10px 20px;
  text-decoration: none;
  color: black;
  font-weight: bold;
  border-radius: 5px;
  transition: background 0.3s;
  height: 25px;
}

.return-btn:hover {
  background-color: white;
  color: #e31c1c;
}

/* Mobile adjustments */
@media (max-width: 768px) {
  .footer-content {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

  .footer-left {
    max-width: 100%;
    margin-bottom: 0;
  }

  /* Move button right after copyright */
  .footer-right {
    justify-content: center;
    width: 100%;
    order: 1; /* Comes right after copyright in mobile */
    margin-top: 10px;
    margin-bottom: 15px;
  }

  .return-btn {
    height: auto;
    padding: 10px 20px;
    margin-top: 5px;
  }

  /* Ensure loan info text comes after button */
  .loan-info {
    order: 2;
    max-width: 100%;
  }
}