body {
  font-family: 'Roboto', sans-serif;
  margin: 0;
  padding: 0;
  background: #f9f9f9;
  color: #333;
}

header {
  background: #003366;
  color: #fff;
  padding: 15px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

header .logo {
  font-weight: 700;
  font-size: 20px;
}

header nav ul {
  list-style: none;
  display: flex;
  gap: 15px;
}

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

.carousel {
  overflow: hidden;
  height: 250px;
  position: relative;
}

.carousel .slides {
  display: flex;
  width: 300%;
  animation: slide 12s infinite;
}

.carousel img {
  width: 100%;
  height: 250px;
  object-fit: cover;
}

@keyframes slide {
  0% { transform: translateX(0); }
  33% { transform: translateX(-100%); }
  66% { transform: translateX(-200%); }
  100% { transform: translateX(0); }
}

.container {
  display: flex;
  max-width: 1200px;
  margin: 20px auto;
  gap: 20px;
}

.left-column {
  flex: 3;
  background: #fff;
  padding: 20px;
  border-radius: 6px;
  box-shadow: 0 2px 5px rgba(0,0,0,0.1);
}

.right-column {
  flex: 1;
  background: #fff;
  padding: 20px;
  border-radius: 6px;
  box-shadow: 0 2px 5px rgba(0,0,0,0.1);
}

.quote-form label {
  display: block;
  margin-top: 10px;
  font-weight: 500;
}

.quote-form input,
.quote-form select {
  width: 100%;
  padding: 8px;
  margin-top: 5px;
  border: 1px solid #ccc;
  border-radius: 4px;
}

.quote-form button {
  margin-top: 15px;
  width: 100%;
  padding: 10px;
  background: #003366;
  color: #fff;
  border: none;
  border-radius: 4px;
  cursor: pointer;
}

.quote-form button:hover {
  background: #0055aa;
}

footer {
  text-align: center;
  background: #003366;
  color: #fff;
  padding: 15px;
  margin-top: 20px;
}
.state-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.state-list li {
  margin-bottom: 8px;
}

.state-list.two-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;  /* 2 equal columns */
  gap: 10px 20px; /* row-gap, col-gap */
}
.carousel {
  position: relative;
  overflow: hidden;
  max-height: 400px;
  border-radius: 8px;
  box-shadow: 0 4px 10px rgba(0,0,0,0.2);
  margin-bottom: 30px;
}

.carousel-track {
  display: flex;
  transition: transform 1s ease-in-out;
  width: 300%; /* 3 slides */
}

.carousel-slide {
  flex: 0 0 100%;
}

.carousel-slide img {
  width: 100%;
  height: 400px;
  object-fit: cover;
  display: block;
  border-radius: 8px;
}

/* Dots */
.carousel-dots {
  position: absolute;
  bottom: 15px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
}

.carousel-dots .dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255,255,255,0.7);
  cursor: pointer;
  transition: background 0.3s;
}

.carousel-dots .dot.active {
  background: #003366;
}
/* Carousel Container */
.carousel {
  position: relative;
  width: 100%;
  max-height: 500px; /* max banner height */
  overflow: hidden;
  border-radius: 8px;
  box-shadow: 0 4px 15px rgba(0,0,0,0.2);
  margin-bottom: 30px;
}

/* Track for slides */
.carousel-track {
  display: flex;
  transition: transform 1s ease-in-out;
}

/* Individual slide */
.carousel-slide {
  flex: 0 0 100%;
  position: relative;
}

/* Images: full width, responsive, covers container */
.carousel-slide img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover; /* crop to fill container without stretching */
  max-height: 500px;
}

/* Dots */
.carousel-dots {
  position: absolute;
  bottom: 15px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
}

.carousel-dots .dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255,255,255,0.7);
  cursor: pointer;
  transition: background 0.3s;
}

.carousel-dots .dot.active {
  background: #003366;
}
.city-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-wrap: wrap; /* wrap into multiple rows */
    gap: 10px; /* space between items */
}

.city-list li {
    width: calc(50% - 5px); /* two columns with 10px gap */
    margin-bottom: 10px;
}

.city-list li a {
    display: block;
    padding: 8px 12px;
    background: #f4f4f4;
    border-radius: 4px;
    text-decoration: none;
    color: #003366;
    transition: background 0.3s;
}

.city-list li a:hover {
    background: #003366;
    color: #fff;
}
/* Features / Loan Highlights Section */
.loan-highlights {
  margin: 40px 0;
}

.loan-highlights h2, 
.loan-highlights h3 {
  color: #003366;
  margin-bottom: 15px;
  font-weight: 600;
}

.feature-list {
  list-style: none;
  padding: 0;
  margin: 0 0 25px 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 10px 20px;
}

.feature-list li {
  position: relative;
  padding-left: 30px; /* space for check */
  font-size: 15px;
  line-height: 1.5;
  color: #333;
}

/* Green Check Mark using only SVG */
.feature-list li::before {
  content: ""; /* REMOVE any previous text content */
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  background-image: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 16 16" fill="%2328a745"><path d="M6.173 11.414l-3.536-3.536 1.414-1.414 2.122 2.121 4.95-4.95 1.414 1.414-6.364 6.364z"/></svg>');
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
}

.two-columns {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 6px 20px;
}
.carousel {
  position: relative;
  width: 100%;
  max-height: 450px;
  overflow: hidden;
  border-radius: 10px;
  box-shadow: 0 4px 15px rgba(0,0,0,0.15);
  margin-bottom: 30px;
}

.carousel-track {
  display: flex;
  transition: transform 0.7s ease-in-out;
}

.carousel-slide {
  min-width: 100%;
}

.carousel-slide img {
  width: 100%;
  height: 450px;
  object-fit: cover;
  display: block;
}

/* Arrows */
.carousel-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  background: rgba(0,0,0,0.5);
  border: none;
  color: white;
  font-size: 24px;
  cursor: pointer;
  padding: 10px 16px;
  border-radius: 50%;
  z-index: 10;
  transition: background 0.3s;
}

.carousel-btn:hover {
  background: rgba(0,0,0,0.8);
}

.carousel-btn.prev {
  left: 15px;
}

.carousel-btn.next {
  right: 15px;
}

/* Dots */
.carousel-dots {
  position: absolute;
  bottom: 12px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
}

.carousel-dots .dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255,255,255,0.7);
  cursor: pointer;
  transition: background 0.3s;
}

.carousel-dots .dot.active {
  background: #003366;
}
.carousel {
  position: relative;
  width: 100%;
  overflow: hidden;
  border-radius: 10px;
  box-shadow: 0 4px 15px rgba(0,0,0,0.15);
  margin-bottom: 30px;
}

.carousel-slide img {
  width: 100%;
  height: auto;   /* responsive */
  display: block;
}
.loan-highlights {
  margin: 40px 0;
}

.loan-highlights h2, 
.loan-highlights h3 {
  color: #003366;
  margin-bottom: 15px;
  font-weight: 600;
}

.feature-list {
  list-style: none;
  padding: 0;
  margin: 0 0 25px 0;
}

.feature-list li {
  margin-bottom: 10px;
  padding-left: 28px;
  position: relative;
  font-size: 15px;
  line-height: 1.5;
}

.feature-list li::before {
  content: "?";
  position: absolute;
  left: 0;
  color: #28a745; /* green check */
  font-weight: bold;
}

.two-columns {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 6px 20px;
}

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

body {
  font-family: Arial, sans-serif;
}

/* Header */
header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: #1a1a1a;
  padding: 10px 20px;
}

.logo a {
  font-size: 1.2rem;
  font-weight: bold;
  color: white;
  text-decoration: none;
}

/* Navigation */
nav ul {
  display: flex;
  gap: 15px;
  list-style: none;
}

nav ul li a {
  color: white;
  text-decoration: none;
  font-size: 1rem;
}

/* Mobile Nav */
@media (max-width: 768px) {
  nav ul {
    flex-direction: column;
    position: absolute;
    top: 60px;
    right: 0;
    background: #1a1a1a;
    width: 200px;
    display: none;
  }

  nav ul.show {
    display: flex;
  }

  .menu-toggle {
    display: block;
    cursor: pointer;
    color: white;
    font-size: 1.5rem;
  }
}

/* Carousel */
.carousel {
  position: relative;
  overflow: hidden;
  width: 100%;
  max-height: 400px;
}

.carousel img {
  width: 100%;
  height: auto;
  display: block;
}