/* General Reset */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

@media (max-width: 520px) {
    #buyhome-extra .buyhome-guide-card,
    #buyhome-extra .buyhome-guide-card:nth-child(even) {
        grid-template-columns: 1fr;
    }

    #buyhome-extra .buyhome-guide-card .content-photo,
    #buyhome-extra .buyhome-guide-card:nth-child(even) .content-photo,
    #buyhome-extra .buyhome-guide-card:nth-child(even) h4,
    #buyhome-extra .buyhome-guide-card:nth-child(even) p {
        grid-column: 1;
        grid-row: auto;
    }

    #refinancing-extra .feature-topic-card,
    #buyhome-extra .feature-topic-card,
    #personal-loans-extra .feature-topic-card,
    #business-loans-extra .feature-topic-card,
    #smsf-loans-extra .feature-topic-card,
    #lowdoc-extra .feature-topic-card,
    #vehicle-loans-extra .feature-topic-card,
    #investment-property-extra .feature-topic-card,
    #investment-property-extra .feature-topic-card-reverse {
        grid-template-columns: 1fr;
        gap: 16px;
        padding: 16px;
    }

    #refinancing-extra .topic-photo,
    #personal-loans-extra .topic-photo,
    #business-loans-extra .topic-photo,
    #smsf-loans-extra .topic-photo,
    #lowdoc-extra .topic-photo,
    #vehicle-loans-extra .topic-photo,
    #investment-property-extra .topic-photo,
    #lowdoc-extra .feature-topic-card-reverse .topic-photo,
    #lowdoc-extra .feature-topic-card-reverse .feature-topic-content,
    #personal-loans-extra .feature-topic-card-reverse .topic-photo,
    #personal-loans-extra .feature-topic-card-reverse .feature-topic-content,
    #investment-property-extra .feature-topic-card-reverse .topic-photo,
    #investment-property-extra .feature-topic-card-reverse .feature-topic-content {
        grid-column: 1;
        grid-row: auto;
    }

    #refinancing-extra .topic-photo,
    #personal-loans-extra .topic-photo,
    #business-loans-extra .topic-photo,
    #smsf-loans-extra .topic-photo,
    #lowdoc-extra .topic-photo,
    #vehicle-loans-extra .topic-photo,
    #investment-property-extra .topic-photo {
        min-height: 190px;
    }

    .feature-topic-content,
    .feature-topic-content p {
        text-align: center;
    }

    #vehicle-loans-extra .vehicle-type-grid,
    #buyhome-extra .buyhome-guide-grid,
    #business-loans-extra .business-type-grid,
    .service-note-grid {
        grid-template-columns: 1fr;
    }

    #vehicle-loans-extra .vehicle-callout-box,
    #vehicle-loans-extra .vehicle-types-box,
    #buyhome-extra .buyhome-guide-box,
    #business-loans-extra .business-types-box,
    .service-note-box {
        padding: 18px;
    }

    #vehicle-loans-extra .vehicle-callout-box h3,
    #vehicle-loans-extra .vehicle-types-box > h3,
    #buyhome-extra .buyhome-guide-box > h3,
    #business-loans-extra .business-types-box > h3,
    #vehicle-loans-extra .vehicle-type-card h4,
    #buyhome-extra .buyhome-guide-card h4,
    #business-loans-extra .business-type-card h4,
    .service-note-box > h3,
    .service-note-card h4,
    #vehicle-loans-extra .vehicle-callout-box p,
    #vehicle-loans-extra .vehicle-type-card p,
    #buyhome-extra .buyhome-guide-card p,
    #business-loans-extra .business-type-card p,
    #business-loans-extra .business-types-box > p,
    #business-loans-extra .business-support-copy p,
    .service-note-card p,
    .service-support-copy p {
        text-align: center;
    }
}

body {
    font-family: 'Muli', sans-serif;
    line-height: 1.6;
    color: #333;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 15px;
    display: flex;
    flex-direction: column;
    align-items: center;
}
.container h2 {
 font-size: 2.0rem;
    margin-bottom: 15px;
    color: #001f3f;
}
header {
    background: #001f3f;
    padding: 10px 0;
}

header .container {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    gap: 28px;
}

.logo-circle {
    flex: 0 0 auto;
}

.logo-container {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100px;
    height: 100px;
    border-radius: 50%;
    overflow: hidden;
    background-color: #ffffff;
    border: 3px solid #ff0000; /* Red border */
}

.logo {
    width: 98%;
    height: auto;
}

nav {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    flex-wrap: wrap;
    gap: 20px;
}

nav a {
    text-decoration: none;
    color: #ffffff;
    font-weight: 600;
    padding: 5px 10px;
}

nav a:hover {
    color: white;
    background-color: #ff0000; /* Red */
    border-radius: 5px;
}

nav .dropdown {
    position: relative;
    display: inline-block;
    color: #001f3f;
}

nav .dropbtn {
    cursor: pointer;
}

.dropdown-content {
    display: none;
    position: absolute;
    background: white;
    box-shadow: 0 8px 16px rgba(0, 0, 0, 0.2);
    border-radius: 5px;
    z-index: 1;
    min-width: 200px;
}

.dropdown-content a {
    color: #001f3f;
    text-decoration: none;
    display: block;
    font-size: 14px;
}

.dropdown-content a:hover {
    background-color: #001f3f;
    color: white;
}

.dropdown:hover .dropdown-content {
    display: block;
}

.free-call-container {
    position: relative;
}

.free-call-btn {
    background: #ff0000; /* Red */
    color: white;
    border: none;
    padding: 10px 20px;
    cursor: pointer;
    border-radius: 5px;
}

.free-call-dropdown {
    display: none;
    position: absolute;
    top: 35px;
    background: white;
    box-shadow: 0 8px 16px rgba(0, 0, 0, 0.2);
    z-index: 1;
    min-width: 200px;
    border-radius: 5px;
}

.free-call-dropdown a {
    color: #001f3f;
    padding: 10px 15px;
    text-decoration: none;
    display: block;
    font-size: 14px;
}

.free-call-dropdown a:hover {
    background: #001f3f;
}

.free-call-container:hover .free-call-dropdown {
    display: block;
}

/* Hero Section */
section.hero {
    background: url('../img/hero-bg.jpg') no-repeat center center/cover;
    padding: 120px 20px;
    text-align: center;
    color: white;
    position: relative;
    background-blur: 10px;
}
.hero-content {
    background-color: rgba(0, 31, 63, 0.6);
    padding: 50px;
    display: inline-block;
    border-radius: 10px;
}
.hero-content h1 {
    font-size: 3rem;
    margin-bottom: 20px;
}
.hero-content p {
    margin-bottom: 20px;
    text-align: center;
    color: white;
    position: relative;
}
.hero-button {
    display: inline-block;
    padding: 10px 30px;
    color: white;
    background-color: #ff0000; /* Red */
    border: none;
    border-radius: 5px;
    text-decoration: none;
    font-weight: bold;
    transition: background-color 0.3s ease;
}
.hero-button:hover {
    background-color: #001f3f; /* Midnight blue */
}

/* About Us Section */
#about-us {
    background-color: #ffffff;
    padding: 20px 20px;
    text-align: center;
}

.about-text {
    max-width: 800px;
    margin: 0 auto;
}

.about-text p {
    font-size: 1.0rem;
    margin-bottom: 20px;
    line-height: 1.8;
}

.learn-more-button {
    color: white;
    background-color: #001f3f;
    text-decoration: none;
    font-size: 1.1rem;
    padding: 10px 20px;
    border: none;
    border-radius: 5px;
    cursor: pointer;
    transition: background-color 0.3s ease;
}

.learn-more-button:hover {
    background-color: #ff0000;
}

.more-info {
    display: none;
    margin-top: 20px;
    text-align: justify;
    line-height: 1.8;
}

.about-more {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    justify-content: center;
}

.about-image {
    display: block;
    max-width: 100%;
    height: auto;
    margin: 0 auto; /* Centers the image horizontally */
    border-radius: 10px;
	margin-bottom: 15px;
}

.profile-content {
    display: flex;
    flex-wrap: wrap;
    align-items: flex-start;
    gap: 20px;
}

.profile-text {
    flex: 1;
    min-width: 300px;
}

.profile-image img {
    max-width: 200px;
    border-radius: 50%;
    border: 3px solid #001f3f;
    
}

/* Services Section */
.card-container {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
            gap: 20px;
            padding: 20px;
            width: 100%;
            max-width: 1200px;
            box-sizing: border-box;
        }

        .card {
            background: #fff;
            padding: 5px;
            border: 1px solid #ddd;
            border-radius: 8px;
            box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
            overflow: hidden;
            text-align: center;
            transition: transform 0.2s, box-shadow 0.2s;
        }

        .card:hover {
            transform: translateY(-5px);
            box-shadow: 0 6px 10px rgba(0, 0, 0, 0.15);
        }
		.card h3 {
            margin: 15px 0 10px;
            font-size: 1.5em;
            color: #333;
        }

        .card p {
            font-size: 1.0em;
            padding: 0 10px;
        }
        .find-more-btn {
 			display: inline-block;
  			margin: 10px auto 0; /* Adds space and centers the button */
  			padding: 5px 15px;
  			background-color: #001f3f; /* Button background color */
  			color: #fff;
  			font-weight: bold;
  			text-align: center;
  			text-decoration: none;
  			border-radius: 5px;
  			transition: background-color 0.3s ease;
  			cursor: pointer;
  			margin-bottom: 15px;
}
		.find-more-btn:hover {
    		background-color: #ff0000;
}
#services {
    background-color: #f9f9f9;
    padding: 20px 20px;
    text-align: center;
}

#services h3 {
    font-size: 1.2rem;
    margin-bottom: 20px;
    color: #ff0000;
}

#services .card-container {
    gap: 22px;
}

#services .card {
    position: relative;
    padding: 22px 20px 24px;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    box-shadow: 0 12px 28px rgba(0, 31, 63, 0.1);
    text-align: left;
}

#services .card::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 5px;
    background: #ff0000;
}

#services .card h3 {
    color: #001f3f;
    margin-top: 0;
    padding-left: 4px;
}

#services .card p {
    padding: 0 4px;
    line-height: 1.65;
    text-align: left;
}

#services .card .find-more-btn {
    margin-left: 4px;
    padding: 10px 18px;
}
/*service more content to service page */
.content-block {
    display: flex;
    align-items: flex-start;
    margin-bottom: 20px;
    flex-wrap: wrap;
  }

  .content-photo {
    width: min(100%, 420px);
    aspect-ratio: 3 / 2;
    object-fit: cover;
    margin-top: 20px;
    border: 3px solid #001f3f;
    border-radius: 12px;
    box-shadow: 0 10px 28px rgba(0, 31, 63, 0.18);
  }

  .content-photo.left {
    order: -1;
    margin-right: 15px;
  }

  .content-photo.right {
    order: 1;
    margin-left: 15px;
  }

  .content-text {
    flex: 1;
    min-width: 200px;
  }

  .content-text h3 {
    font-size: 1.2rem;
    margin-bottom: 10px;
    color: #001f3f;
  }

#buyhome-extra {
    padding: 36px 20px;
}

#buyhome-extra .feature-topic-card {
    position: relative;
    display: block;
    width: min(100%, 1040px);
    margin: 10px auto 18px;
    padding: 26px 30px 28px;
    background: #fff;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    box-shadow: 0 12px 30px rgba(0, 31, 63, 0.12);
    overflow: hidden;
}

#buyhome-extra .feature-topic-card::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 6px;
    background: #ff0000;
}

#buyhome-extra .buyhome-topic-group .feature-topic-content {
    margin-bottom: 18px;
}

#buyhome-extra .buyhome-guide-box {
    clear: both;
    width: 100%;
    margin: 18px 0 0;
    padding: 22px 24px;
    background: #f9f9f9;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
}

#buyhome-extra .buyhome-guide-box > h3 {
    color: #001f3f;
    margin-bottom: 14px;
    text-align: left;
}

#buyhome-extra .buyhome-guide-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
}

#buyhome-extra .buyhome-guide-card {
    display: grid;
    grid-template-columns: minmax(145px, 36%) minmax(0, 1fr);
    align-items: center;
    gap: 16px;
    background: #fff;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    padding: 16px;
}

#buyhome-extra .buyhome-guide-card:nth-child(even) {
    grid-template-columns: minmax(0, 1fr) minmax(145px, 36%);
}

#buyhome-extra .buyhome-guide-card:nth-child(even) .content-photo {
    grid-column: 2;
    grid-row: 1 / 3;
}

#buyhome-extra .buyhome-guide-card:nth-child(even) h4,
#buyhome-extra .buyhome-guide-card:nth-child(even) p {
    grid-column: 1;
}

#buyhome-extra .buyhome-guide-card h4 {
    color: #ff0000;
    margin: 0 0 8px;
    text-align: left;
}

#buyhome-extra .buyhome-guide-card p {
    padding: 0;
    line-height: 1.65;
    text-align: left;
}

#buyhome-extra .buyhome-guide-card .content-photo {
    width: 100%;
    max-width: none;
    min-height: 0;
    height: 170px;
    aspect-ratio: 3 / 2;
    object-fit: cover;
    margin: 0;
    border: 3px solid #001f3f;
    border-radius: 8px;
    box-shadow: 0 12px 26px rgba(0, 31, 63, 0.16);
    grid-row: 1 / 3;
    align-self: start;
}

  .content-text p {
    text-align: justify;
  }
  .topic-photo {
    display: block;
    max-width: 80%;
    height: auto;
    margin: 0 auto; /* Centers the image horizontally */
    border-radius: 20px;
		margin-bottom: 15px;
  }

#refinancing-extra,
#personal-loans-extra,
#business-loans-extra,
#smsf-loans-extra,
#lowdoc-extra,
#vehicle-loans-extra,
#investment-property-extra {
    padding: 36px 20px;
}

#refinancing-extra .feature-topic-card,
#personal-loans-extra .feature-topic-card,
#business-loans-extra .feature-topic-card,
#smsf-loans-extra .feature-topic-card,
#lowdoc-extra .feature-topic-card,
#vehicle-loans-extra .feature-topic-card,
#investment-property-extra .feature-topic-card {
    position: relative;
    display: grid;
    grid-template-columns: minmax(280px, 43%) minmax(0, 1fr);
    align-items: center;
    gap: 30px;
    width: min(100%, 1040px);
    margin: 10px auto 18px;
    padding: 26px 30px;
    background: #fff;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    box-shadow: 0 12px 30px rgba(0, 31, 63, 0.12);
    overflow: hidden;
}

#refinancing-extra .feature-topic-card::before,
#personal-loans-extra .feature-topic-card::before,
#business-loans-extra .feature-topic-card::before,
#smsf-loans-extra .feature-topic-card::before,
#lowdoc-extra .feature-topic-card::before,
#vehicle-loans-extra .feature-topic-card::before,
#investment-property-extra .feature-topic-card::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 6px;
    background: #ff0000;
}

#investment-property-extra .feature-topic-card-reverse,
#personal-loans-extra .feature-topic-card-reverse,
#lowdoc-extra .feature-topic-card-reverse {
    grid-template-columns: minmax(0, 1fr) minmax(280px, 43%);
}

#refinancing-extra .topic-photo,
#personal-loans-extra .topic-photo,
#business-loans-extra .topic-photo,
#smsf-loans-extra .topic-photo,
#lowdoc-extra .topic-photo,
#vehicle-loans-extra .topic-photo,
#investment-property-extra .topic-photo {
    width: 100%;
    max-width: none;
    height: 100%;
    min-height: 300px;
    margin: 0;
    object-fit: cover;
    border: 3px solid #001f3f;
    border-radius: 8px;
    box-shadow: 0 16px 34px rgba(0, 31, 63, 0.2);
}

#investment-property-extra .feature-topic-card-reverse .topic-photo {
    grid-column: 2;
    grid-row: 1;
}

#personal-loans-extra .feature-topic-card-reverse .topic-photo {
    grid-column: 2;
    grid-row: 1;
}

#lowdoc-extra .feature-topic-card-reverse .topic-photo {
    grid-column: 2;
    grid-row: 1;
}

#investment-property-extra .feature-topic-card-reverse .feature-topic-content {
    grid-column: 1;
    grid-row: 1;
}

#personal-loans-extra .feature-topic-card-reverse .feature-topic-content {
    grid-column: 1;
    grid-row: 1;
}

#lowdoc-extra .feature-topic-card-reverse .feature-topic-content {
    grid-column: 1;
    grid-row: 1;
}

.feature-topic-content {
    min-width: 0;
    text-align: left;
}

.feature-topic-content p {
    padding: 0;
    margin-bottom: 14px;
    line-height: 1.72;
    text-align: left;
}

#refinancing-extra .feature-topic-card,
#personal-loans-extra .feature-topic-card,
#business-loans-extra .feature-topic-card,
#smsf-loans-extra .feature-topic-card,
#lowdoc-extra .feature-topic-card,
#vehicle-loans-extra .feature-topic-card,
#investment-property-extra .feature-topic-card,
#investment-property-extra .feature-topic-card-reverse {
    display: block;
    min-height: 0;
}

#refinancing-extra .feature-topic-card::after,
#personal-loans-extra .feature-topic-card::after,
#business-loans-extra .feature-topic-card::after,
#smsf-loans-extra .feature-topic-card::after,
#lowdoc-extra .feature-topic-card::after,
#vehicle-loans-extra .feature-topic-card::after,
#investment-property-extra .feature-topic-card::after {
    content: "";
    display: block;
    clear: both;
}

#refinancing-extra .topic-photo,
#personal-loans-extra .topic-photo,
#business-loans-extra .topic-photo,
#smsf-loans-extra .topic-photo,
#lowdoc-extra .topic-photo,
#vehicle-loans-extra .topic-photo,
#investment-property-extra .topic-photo {
    width: min(44%, 430px);
    height: auto;
    min-height: 0;
    aspect-ratio: 3 / 2;
    margin: 0 28px 16px 0;
    float: left;
}

#investment-property-extra .feature-topic-card-reverse .topic-photo {
    float: right;
    margin: 0 0 16px 28px;
}

#personal-loans-extra .feature-topic-card-reverse .topic-photo {
    float: right;
    margin: 0 0 16px 28px;
}

#lowdoc-extra .feature-topic-card-reverse .topic-photo {
    float: right;
    margin: 0 0 16px 28px;
}

#investment-property-extra .feature-topic-card-reverse .feature-topic-content,
#personal-loans-extra .feature-topic-card-reverse .feature-topic-content,
#lowdoc-extra .feature-topic-card-reverse .feature-topic-content,
#lowdoc-extra .feature-topic-card-reverse .topic-photo,
#personal-loans-extra .feature-topic-card-reverse .topic-photo,
#investment-property-extra .feature-topic-card-reverse .topic-photo {
    grid-column: auto;
    grid-row: auto;
}
  
#vehicle-loans-extra h3, 
#vehicle-loans-extra h4 {
  text-align: left;
}

#vehicle-loans-extra .vehicle-callout-box,
#vehicle-loans-extra .vehicle-types-box {
    position: relative;
    clear: both;
    width: 100%;
    margin: 18px 0 0;
    padding: 22px 24px;
    border-radius: 8px;
}

#vehicle-loans-extra .vehicle-callout-box {
    background: #001f3f;
    color: #fff;
    border-left: 5px solid #ff0000;
}

#vehicle-loans-extra .vehicle-callout-box h3 {
    color: #fff;
    margin-bottom: 12px;
}

#vehicle-loans-extra .vehicle-callout-box p {
    color: #fff;
    line-height: 1.72;
    padding: 0;
    text-align: left;
}

#vehicle-loans-extra .vehicle-types-box {
    background: #f9f9f9;
    border: 1px solid rgba(0, 31, 63, 0.12);
}

#vehicle-loans-extra .vehicle-types-box > h3 {
    color: #001f3f;
    margin-bottom: 10px;
}

#vehicle-loans-extra .vehicle-types-box > p {
    padding: 0;
    margin-bottom: 18px;
    line-height: 1.65;
}

#vehicle-loans-extra .vehicle-type-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

#vehicle-loans-extra .vehicle-type-card {
    background: #fff;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    padding: 18px;
}

#vehicle-loans-extra .vehicle-type-card h4 {
    color: #ff0000;
    margin-bottom: 8px;
}

#vehicle-loans-extra .vehicle-type-card p {
    padding: 0;
    line-height: 1.65;
    text-align: left;
}

#vehicle-loans-extra .vehicle-topic-group {
    padding-bottom: 28px;
}

#vehicle-loans-extra .vehicle-topic-group::after {
    content: "";
    display: block;
    clear: both;
}

#vehicle-loans-extra .vehicle-topic-group .feature-topic-content {
    display: contents;
}

#business-loans-extra h3,
#business-loans-extra h4 {
  text-align: left;
}

#business-loans-extra {
    background: #f9f9f9;
}

#business-loans-extra .business-types-box {
    position: relative;
    clear: both;
    width: 100%;
    margin: 18px 0 0;
    padding: 22px 24px;
    background: #f9f9f9;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
}

#business-loans-extra .business-types-box > h3 {
    color: #001f3f;
    margin-bottom: 10px;
}

#business-loans-extra .business-types-box > p {
    padding: 0;
    margin-bottom: 18px;
    line-height: 1.65;
}

#business-loans-extra .business-type-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 16px;
}

#business-loans-extra .business-type-card {
    background: #fff;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    padding: 18px;
}

#business-loans-extra .business-type-card h4 {
    color: #ff0000;
    margin-bottom: 8px;
}

#business-loans-extra .business-type-card p,
#business-loans-extra .business-support-copy p {
    padding: 0;
    line-height: 1.65;
    text-align: left;
}

#business-loans-extra .business-topic-group {
    padding-bottom: 28px;
}

#business-loans-extra .business-topic-group::after {
    content: "";
    display: block;
    clear: both;
}

#business-loans-extra .business-topic-group .feature-topic-content {
    display: contents;
}

#business-loans-extra .business-support-copy {
    clear: both;
    margin-top: 18px;
}

#smsf-loans-extra,
#lowdoc-extra {
    background: #f9f9f9;
}

#smsf-loans-extra h3,
#smsf-loans-extra h4,
#lowdoc-extra h3,
#lowdoc-extra h4 {
    text-align: left;
}

.service-note-box {
    position: relative;
    clear: both;
    width: 100%;
    margin: 18px 0 0;
    padding: 22px 24px;
    background: #f9f9f9;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
}

.service-note-box > h3 {
    color: #001f3f;
    margin-bottom: 14px;
}

.service-note-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 16px;
}

.service-note-card {
    background: #fff;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    padding: 18px;
}

.service-note-card h4 {
    color: #ff0000;
    margin-bottom: 8px;
}

.service-note-card p,
.service-support-copy p {
    padding: 0;
    line-height: 1.65;
    text-align: left;
}

#smsf-loans-extra .smsf-topic-group,
#lowdoc-extra .lowdoc-topic-group {
    padding-bottom: 28px;
}

#smsf-loans-extra .smsf-topic-group::after,
#lowdoc-extra .lowdoc-topic-group::after {
    content: "";
    display: block;
    clear: both;
}

#smsf-loans-extra .smsf-topic-group .feature-topic-content,
#lowdoc-extra .lowdoc-topic-group .feature-topic-content {
    display: contents;
}

.service-support-copy {
    clear: both;
    margin-top: 18px;
}

.service-actions {
    display: flex;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
    margin: 8px 0 18px;
}

.service-primary-btn,
.service-back-btn {
    display: inline-block;
    min-width: 160px;
    padding: 12px 20px;
    border-radius: 5px;
    font-weight: 700;
    text-align: center;
    text-decoration: none;
    transition: background-color 0.3s ease, color 0.3s ease, border-color 0.3s ease;
}

.service-primary-btn {
    background: #ff0000;
    border: 2px solid #ff0000;
    color: #fff;
}

.service-primary-btn:hover {
    background: #001f3f;
    border-color: #001f3f;
}

.service-back-btn {
    background: #fff;
    border: 2px solid #001f3f;
    color: #001f3f;
}

.service-back-btn:hover {
    background: #001f3f;
    color: #fff;
}
  /*service end*/
  
/* Lender Panel section */

#lenders {
    padding: 58px 0;
    background: #ffffff;
}

.lenders {
    position: relative;
    width: min(100%, 1040px);
    margin: 0 auto 28px;
    padding: 28px;
    text-align: center;
    background: #fff;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    box-shadow: 0 12px 28px rgba(0, 31, 63, 0.1);
    overflow: hidden;
}

.lenders::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 5px;
    background: #ff0000;
}

.lenders p {
    max-width: 820px;
    margin: 0 auto 22px;
    color: #444;
    line-height: 1.7;
}

.lender-stats {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 14px;
}

.lender-stat {
    padding: 16px 14px;
    border: 1px solid rgba(0, 31, 63, 0.1);
    border-radius: 8px;
    background: #f9f9f9;
}

.lender-stat strong {
    display: block;
    color: #001f3f;
    font-size: 1.35rem;
    line-height: 1.2;
}

.lender-stat span {
    display: block;
    margin-top: 4px;
    color: #555;
    font-size: 0.94rem;
}

.lender-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(126px, 1fr));
    gap: 14px;
    width: min(100%, 1040px);
    padding: 0;
    justify-content: center;
}

.lender-image {
    min-height: 94px;
    overflow: hidden;
    display: flex;
    justify-content: center;
    align-items: center;
    background-color: #fff;
    border: 1px solid rgba(0, 31, 63, 0.1);
    border-radius: 8px;
    box-shadow: 0 8px 20px rgba(0, 31, 63, 0.08);
    transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

.lender-image:hover {
    transform: translateY(-2px);
    border-color: rgba(255, 0, 0, 0.35);
    box-shadow: 0 12px 24px rgba(0, 31, 63, 0.12);
}

.lender-image img {
    max-width: 82%;
    max-height: 58px;
    object-fit: contain;
}
/*footer section */

#follow-us {
	background-color: #001f3f;
    text-align: center;
    padding: 20px 50px;
   
}

 #follow-us h3 {
    font-size: 24px;
    font-weight: 600;
	color: #ffffff;
	margin-bottom: 15px;
	text-align: center;
}

.social-icons {
    display: inline-flex;
    gap: 20px; /* Space between icons */
    margin-bottom: 25px;
}

.social-icons a {
    color: #ffffff; /* Default color */
    transition: color 0.3s ease, transform 0.3s ease;
}

.social-icons a:hover {
    color: #ff0000; /* Change icon color on hover */
    transform: scale(1.2); /* Slightly enlarge icons on hover */
}

.social-icons i {
    font-size: 40px; /* Size of icons */
}
.rights-text {
  font-size: 1rem;
  margin-bottom: 20px;
  text-align: center;
  color: #ffffff; /* Ensures text color is white */
}
/* contact section*/
#contact {
    padding: 58px 0;
    background-color: #f9f9f9;
}

.contact-intro {
    max-width: 720px;
    margin: 0 auto 24px;
    color: #444;
    text-align: center;
    line-height: 1.7;
}

.contact-container {
    width: min(100%, 1040px);
    margin-top: 0;
}

.contact-row {
    display: grid;
    grid-template-columns: minmax(280px, 0.75fr) minmax(320px, 1.25fr);
    gap: 24px;
    align-items: stretch;
}

.contact-details-wrap,
.contact-form-wrap {
    position: relative;
    min-width: 0;
    background-color: #fff;
    padding: 28px;
    border: 1px solid rgba(0, 31, 63, 0.12);
    border-radius: 8px;
    box-shadow: 0 12px 28px rgba(0, 31, 63, 0.1);
    overflow: hidden;
}

.contact-details-wrap::before,
.contact-form-wrap::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 5px;
    background: #ff0000;
}

.contact-panel-heading {
    margin-bottom: 20px;
}

.contact-panel-heading h3 {
    color: #001f3f;
    font-size: 1.25rem;
    margin-bottom: 6px;
}

.contact-panel-heading p {
    color: #555;
    line-height: 1.6;
    margin: 0;
}

.single-contact-address {
    display: grid;
    grid-template-columns: 48px 1fr;
    gap: 14px;
    align-items: center;
    margin-bottom: 16px;
    padding: 14px;
    border: 1px solid rgba(0, 31, 63, 0.1);
    border-radius: 8px;
    background: #fbfbfb;
}

.single-contact-address:last-child {
    margin-bottom: 0;
}

.single-contact-address a {
    text-decoration: none;
}

.single-contact-address .icon {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    color: #fff;
    background: #001f3f;
    border-radius: 8px;
    font-size: 1.1rem;
    transition: background 0.2s ease, transform 0.2s ease;
}

.single-contact-address a:hover .icon {
    background: #ff0000;
    transform: translateY(-1px);
}

.contact-details h5 {
    margin: 0 0 3px;
    color: #001f3f;
    font-size: 1rem;
    font-weight: 700;
}

.contact-details p {
    margin: 0;
    color: #555;
}

.form-area {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

.form-area .row {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.form-area label {
    display: block;
    margin-bottom: 6px;
    color: #222;
    font-weight: 700;
}

.common-input,
.common-textarea {
    width: 100%;
    padding: 12px;
    border: 1px solid rgba(0, 31, 63, 0.18);
    border-radius: 4px;
    background: #fff;
    font: inherit;
    margin-bottom: 14px;
}

.common-textarea {
    min-height: 184px;
    resize: vertical;
}

.common-input:focus,
.common-textarea:focus {
    outline: none;
    border-color: #001f3f;
    box-shadow: 0 0 0 3px rgba(0, 31, 63, 0.1);
}

.contact-submit-btn {
    float: none;
    width: 100%;
    border: 0;
    padding: 14px 18px;
    font-size: 1rem;
    text-align: center;
}

/* Responsive Design */
@media (max-width: 768px) {
    .container {
        flex-direction: column;
    }

    header .container {
        align-items: flex-start;
        gap: 12px;
    }

    nav {
        width: 100%;
        flex-direction: row;
        justify-content: flex-start;
        gap: 10px;
    }

    .dropdown-content {
        position: static;
    }

    .about-more {
        flex-direction: column;
        text-align: center;
    }

    .profile-content {
        flex-direction: column;
        align-items: center;
    }

    .about-image {
        width: 100%;
        max-width: 400px;
    }
    .card-container {
                gap: 15px;
            }

    .card h3 {
                font-size: 1.3em;
            }

    .card p {
                font-size: 0.85em;
            }
    /* Lenders */
    .lender-grid {
        grid-template-columns: repeat(auto-fit, minmax(100px, 1fr));
    }

   /*contact */
    .contact-row,
    .form-area .row,
    .lender-stats {
        grid-template-columns: 1fr;
    }

    .contact-details-wrap,
    .contact-form-wrap {
        max-width: 100%;
        padding: 15px;
    }

    h2 {
        font-size: 24px;
    }

    p {
        font-size: 16px;
    }

    .single-contact-address .icon {
        font-size: 20px;
    }

    .contact-details h5 {
        font-size: 16px;
    }

    .find-more-btn {
        width: 50%;
        padding: 15px;
        font-size: 0.9em;
    }

    .contact-submit-btn {
        width: 100%;
    }
/*service */
.content-block {
      flex-direction: column;
      align-items: center;
      text-align: center;
    }

    .content-photo.left, .content-photo.right {
      order: 0;
    }

    .content-photo {
      padding: 10px 10px;
      max-width: 50%;
    }

    .content-text {
      text-align: center;
    }

}


@media (max-width: 480px) {
    .logo {
        max-width: 98%;
    }

    nav {
        text-align: center;
    }

    .free-call-btn {
        width: 100%;
    }

    .about-text p {
        font-size: 1rem;
    }

    .about-image {
        max-width: 300px;
    }
    .card h3 {
                font-size: 1.2em;
            }

    .card p {
                font-size: 0.8em;
            }
     .content-text p {
      font-size: 0.9rem;
    }
    /* Lenders */
     .lender-grid {
        grid-template-columns: repeat(auto-fit, minmax(80px, 1fr));
  	}

    /* Service more */
    .content-block {
      flex-direction: column;
      align-items: center;
      text-align: center;
    }

    .content-photo.left, .content-photo.right {
      order: 0;
    }

    .content-photo {
      padding: 10px 10px;
      max-width: 50%;
    }

    .content-text {
      text-align: center;
    }

}