/* HELOC Banner Section */
.heloc-banner {
    background: linear-gradient(135deg, #0a0e17 0%, #131a2d 100%);
    padding: 80px 20px;
    position: relative;
    overflow: hidden;
    border-top: 1px solid rgba(230, 184, 0, 0.2);
    border-bottom: 1px solid rgba(230, 184, 0, 0.2);
}

.heloc-banner::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(90deg, #FFD700, #CFB53B);
}

.heloc-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.heloc-content {
    position: relative;
    z-index: 2;
}

.heloc-badge {
    display: inline-block;
    background: rgba(230, 184, 0, 0.1);
    color: #e6b800;
    padding: 8px 16px;
    border-radius: 20px;
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: 20px;
    border: 1px solid rgba(230, 184, 0, 0.2);
}

.heloc-title {
    font-size: 2.5rem;
    color: #fff;
    margin-bottom: 20px;
    line-height: 1.2;
}

.heloc-title span {
    color: #FFD700;
    position: relative;
}

.heloc-title span::after {
    content: '';
    position: absolute;
    bottom: 5px;
    left: 0;
    width: 100%;
    height: 8px;
    background: rgba(230, 184, 0, 0.3);
    z-index: -1;
}

.heloc-description {
    font-size: 1.2rem;
    color: rgba(255, 255, 255, 0.85);
    line-height: 1.6;
    margin-bottom: 40px;
}

.heloc-features {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    margin-bottom: 40px;
}

.heloc-feature {
    background: rgba(19, 26, 45, 0.8);
    border-radius: 10px;
    padding: 25px;
    border: 1px solid rgba(230, 184, 0, 0.2);
    transition: all 0.3s ease;
}

.heloc-feature:hover {
    transform: translateY(-5px);
    border-color: rgba(230, 184, 0, 0.4);
    box-shadow: 0 10px 25px rgba(230, 184, 0, 0.2);
}

.heloc-feature-value {
    font-size: 2rem;
    font-weight: 700;
    color: #FFD700;
    margin-bottom: 5px;
}

.heloc-feature-disclaimer {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.5);
    vertical-align: super;
}

.heloc-feature-label {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.7);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.heloc-cta {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    background: linear-gradient(135deg, #FFD700, #CFB53B);
    color: #121212;
    padding: 16px 32px;
    border-radius: 8px;
    font-size: 1.1rem;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(230, 184, 0, 0.3);
}

.heloc-cta:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(230, 184, 0, 0.5);
}

.heloc-cta i {
    transition: transform 0.3s ease;
}

.heloc-cta:hover i {
    transform: translateX(5px);
}

.heloc-visual {
    position: relative;
    height: 100%;
    min-height: 300px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.heloc-graphic {
    width: 100%;
    height: 100%;
    background: rgba(19, 26, 45, 0.6);
    border-radius: 12px;
    border: 1px solid rgba(230, 184, 0, 0.3);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    padding: 40px;
    position: relative;
    overflow: hidden;
}

.heloc-graphic::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: linear-gradient(
        to bottom right,
        transparent 45%,
        rgba(230, 184, 0, 0.05) 50%,
        transparent 55%
    );
    transform: rotate(30deg);
    animation: shine 8s infinite linear;
}

@keyframes shine {
    0% { transform: translateX(-100%) rotate(30deg); }
    100% { transform: translateX(100%) rotate(30deg); }
}

/* Responsive Styles */
@media (max-width: 1024px) {
    .heloc-container {
        gap: 40px;
    }
    
    .heloc-title {
        font-size: 2.2rem;
    }
    
    .heloc-features {
        gap: 20px;
    }
}

@media (max-width: 768px) {
    .heloc-banner {
        padding: 60px 20px;
    }
    
    .heloc-container {
        grid-template-columns: 1fr;
    }
    
    .heloc-content {
        text-align: center;
    }
    
    .heloc-features {
        grid-template-columns: 1fr;
        max-width: 400px;
        margin: 0 auto 30px;
    }
    
    .heloc-visual {
        min-height: 200px;
        margin-top: 40px;
    }
}

@media (max-width: 480px) {
    .heloc-title {
        font-size: 2rem;
    }
    
    .heloc-description {
        font-size: 1.1rem;
    }
    
    .heloc-cta {
        padding: 14px 28px;
        font-size: 1rem;
    }
    
    .heloc-feature-value {
        font-size: 1.8rem;
    }
}



/* HELOC Expenses Section */
.heloc-expenses {
    background: linear-gradient(135deg, #0a0e17 0%, #121a2a 100%);
    padding: 80px 20px;
    position: relative;
    overflow: hidden;
    border-top: 1px solid rgba(230, 184, 0, 0.2);
}

.heloc-expenses::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(90deg, #FFD700, #CFB53B);
}

.heloc-expenses-container {
    max-width: 1200px;
    margin: 0 auto;
}

.heloc-expenses-header {
    text-align: center;
    margin-bottom: 60px;
}

.heloc-expenses-title {
    font-size: 2.5rem;
    color: #fff;
    margin-bottom: 15px;
    line-height: 1.2;
}

.heloc-expenses-title span {
    color: #FFD700;
    position: relative;
}

.heloc-expenses-title span::after {
    content: '';
    position: absolute;
    bottom: 5px;
    left: 0;
    width: 100%;
    height: 8px;
    background: rgba(230, 184, 0, 0.3);
    z-index: -1;
}

.heloc-expenses-subtitle {
    color: rgba(255, 255, 255, 0.7);
    font-size: 1.2rem;
    max-width: 700px;
    margin: 0 auto;
}

.heloc-expenses-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 30px;
}

.heloc-expense-card {
    background: rgba(19, 26, 45, 0.8);
    border-radius: 12px;
    padding: 30px;
    border: 1px solid rgba(230, 184, 0, 0.2);
    transition: all 0.3s cubic-bezier(0.175, 0.885, 0.32, 1.1);
    position: relative;
    overflow: hidden;
}

.heloc-expense-card:hover {
    transform: translateY(-10px);
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.3);
    border-color: rgba(230, 184, 0, 0.4);
}

.heloc-expense-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: linear-gradient(to bottom, #FFD700, #CFB53B);
}

.heloc-expense-icon {
    font-size: 2.5rem;
    color: #FFD700;
    margin-bottom: 20px;
}

.heloc-expense-title {
    font-size: 1.5rem;
    color: #fff;
    margin-bottom: 15px;
    font-weight: 600;
}

.heloc-expense-description {
    color: rgba(255, 255, 255, 0.85);
    font-size: 1.1rem;
    line-height: 1.6;
}

.heloc-expenses-cta {
    text-align: center;
    margin-top: 60px;
}

.heloc-expenses-btn {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    background: linear-gradient(135deg, #FFD700, #CFB53B);
    color: #121212;
    padding: 16px 32px;
    border-radius: 8px;
    font-size: 1.1rem;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(230, 184, 0, 0.3);
}

.heloc-expenses-btn:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 25px rgba(230, 184, 0, 0.5);
}

.heloc-expenses-btn i {
    transition: transform 0.3s ease;
}

.heloc-expenses-btn:hover i {
    transform: translateX(5px);
}

/* Responsive Styles */
@media (max-width: 1024px) {
    .heloc-expenses-title {
        font-size: 2.2rem;
    }
}

@media (max-width: 768px) {
    .heloc-expenses {
        padding: 60px 20px;
    }
    
    .heloc-expenses-header {
        margin-bottom: 40px;
    }
    
    .heloc-expenses-grid {
        grid-template-columns: 1fr;
        max-width: 500px;
        margin: 0 auto;
    }
}

@media (max-width: 480px) {
    .heloc-expenses-title {
        font-size: 2rem;
    }
    
    .heloc-expenses-subtitle {
        font-size: 1.1rem;
    }
    
    .heloc-expenses-btn {
        padding: 14px 28px;
        font-size: 1rem;
    }
}



/* HELOC Considerations Section */
.heloc-consideration {
    background: linear-gradient(135deg, #0a0e17 0%, #131a2d 100%);
    padding: 100px 20px;
    position: relative;
    overflow: hidden;
    border-top: 1px solid rgba(230, 184, 0, 0.3);
}

.heloc-consideration::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 6px;
    background: linear-gradient(90deg, 
        #FFD700 0%, 
        #CFB53B 50%, 
        #FFD700 100%);
    background-size: 200% 100%;
    animation: gradientFlow 4s linear infinite;
}

@keyframes gradientFlow {
    0% { background-position: 200% 0; }
    100% { background-position: -200% 0; }
}

.heloc-consideration-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.heloc-consideration-header {
    margin-bottom: 40px;
}

.heloc-consideration-title {
    font-size: 2.8rem;
    color: #fff;
    margin-bottom: 20px;
    line-height: 1.2;
    position: relative;
}

.heloc-consideration-title span {
    color: #FFD700;
    position: relative;
}

.heloc-consideration-title span::after {
    content: '';
    position: absolute;
    bottom: 8px;
    left: 0;
    width: 100%;
    height: 12px;
    background: rgba(230, 184, 0, 0.3);
    z-index: -1;
    transform: skew(-15deg);
}

.heloc-consideration-items {
    display: grid;
    grid-template-columns: 1fr;
    gap: 30px;
}

.heloc-consideration-card {
    background: rgba(19, 26, 45, 0.7);
    border-radius: 16px;
    padding: 30px;
    border-left: 4px solid #FFD700;
    transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.2);
    backdrop-filter: blur(5px);
    position: relative;
    overflow: hidden;
}

.heloc-consideration-card:hover {
    transform: translateX(10px);
    box-shadow: 0 15px 35px rgba(0, 0, 0, 0.3);
    border-left: 4px solid #CFB53B;
}

.heloc-consideration-card h3 {
    font-size: 1.5rem;
    color: #FFD700;
    margin-bottom: 15px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.heloc-consideration-card h3::before {
    content: '';
    width: 8px;
    height: 8px;
    background: #FFD700;
    border-radius: 50%;
    display: inline-block;
    box-shadow: 0 0 0 4px rgba(230, 184, 0, 0.2);
}

.heloc-consideration-card p {
    color: rgba(255, 255, 255, 0.85);
    font-size: 1.1rem;
    line-height: 1.7;
    padding-left: 20px;
    border-left: 1px solid rgba(230, 184, 0, 0.3);
    margin-left: 8px;
}

.heloc-consideration-visual {
    position: relative;
    height: 100%;
    min-height: 500px;
    border-radius: 20px;
    overflow: hidden;
    box-shadow: 0 30px 50px rgba(0, 0, 0, 0.4);
    border: 1px solid rgba(230, 184, 0, 0.3);
}

.heloc-consideration-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
}

.heloc-consideration-visual:hover .heloc-consideration-image {
    transform: scale(1.05);
}

.heloc-consideration-glow {
    position: absolute;
    top: 50%;
    left: 50%;
    width: 80%;
    height: 80%;
    background: radial-gradient(circle, 
        rgba(230, 184, 0, 0.15) 0%, 
        transparent 70%);
    filter: blur(50px);
    z-index: 1;
    transform: translate(-50%, -50%);
}

.heloc-consideration-ornament {
    position: absolute;
    width: 150px;
    height: 150px;
    background: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><path d="M50 0 L100 50 L50 100 L0 50 Z" fill="%23FFD700" opacity="0.1"/></svg>');
    background-size: contain;
    z-index: 2;
    animation: float 8s ease-in-out infinite;
}

.heloc-consideration-ornament-1 {
    top: -50px;
    left: -50px;
}

.heloc-consideration-ornament-2 {
    bottom: -30px;
    right: -30px;
    animation-delay: 2s;
}

@keyframes float {
    0%, 100% { transform: translateY(0) rotate(0deg); }
    50% { transform: translateY(-20px) rotate(5deg); }
}

/* Responsive Styles */
@media (max-width: 1200px) {
    .heloc-consideration-container {
        gap: 50px;
    }
}

@media (max-width: 992px) {
    .heloc-consideration-container {
        grid-template-columns: 1fr;
    }
    
    .heloc-consideration-visual {
        min-height: 400px;
        order: -1;
        margin-bottom: 50px;
    }
}

@media (max-width: 768px) {
    .heloc-consideration {
        padding: 80px 20px;
    }
    
    .heloc-consideration-title {
        font-size: 2.4rem;
    }
}

@media (max-width: 480px) {
    .heloc-consideration-title {
        font-size: 2rem;
    }
    
    .heloc-consideration-card {
        padding: 25px;
    }
    
    .heloc-consideration-card h3 {
        font-size: 1.3rem;
    }
    
    .heloc-consideration-card p {
        font-size: 1rem;
    }
}