/* =========================================================
   COMMON RD SERVICE PAGE CSS
   Reusable for all Settle Loan service pages
   ========================================================= */

:root {
    --primary: #198754;
    --primary-dark: #146c43;
    --primary-light: #eaf8f1;
    --secondary: #0f5132;
    --text: #212529;
    --text-light: #6c757d;
    --white: #ffffff;
    --border: #d9e7df;
    --bg: #f8fffb;
    --shadow: 0 15px 45px rgba(0, 0, 0, .08);
    --radius: 20px;
    --transition: .35s ease;
}

/* ---------- GLOBAL TYPOGRAPHY ---------- */

.rd-services-page h1,
.rd-services-page h2,
.rd-services-page h3 {
    font-size: 25px !important;
}

.rd-services-page p,
.rd-services-page li {
    font-size: 15px !important;
    line-height: 1.8;
}

.rd-services-page h1,
.rd-services-page h2,
.rd-services-page h3,
.rd-services-page p {
    margin-top: 0;
}

.rd-services-page h2 {
    color: var(--secondary);
    font-weight: 700;
    line-height: 1.4;
    margin-bottom: 18px;
}

.rd-services-page h3 {
    color: var(--secondary);
    font-weight: 650;
    line-height: 1.45;
    margin-bottom: 12px;
}

.rd-services-page p {
    color: var(--text-light);
    margin-bottom: 16px;
}

.rd-services-page strong {
    color: var(--text);
}

.rd-services-page a {
    transition: var(--transition);
}


/* ---------- COMMON CONTAINER ---------- */

.rd-container {
    width: 100%;
    max-width: 1180px;
    margin: 0 auto;
    padding-left: 20px;
    padding-right: 20px;
}


/* ---------- COMMON SECTION ---------- */

.rd-section {
    padding: 70px 0;
}

.rd-section-white {
    background: var(--white);
}

.rd-section-light {
    background: var(--bg);
}

.rd-section-green {
    background: var(--primary-light);
}

.rd-section-heading {
    max-width: 820px;
    margin: 0 auto 40px;
    text-align: center;
}

.rd-section-heading p {
    max-width: 720px;
    margin: 0 auto;
}


/* ---------- BUTTONS ---------- */

.rd-services-page .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 15px 34px;
    background: var(--primary);
    color: #fff;
    text-decoration: none;
    text-wrap: wrap;
    border-radius: 10px;
    font-weight: 600;
    transition: var(--transition);
    box-shadow: 0 10px 25px rgba(25, 135, 84, .20);
    border: 0;
}

.rd-services-page .btn:hover {
    background: var(--primary-dark);
    color: #fff;
    transform: translateY(-4px);
}

.rd-services-page .btn-outline {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 15px 34px;
    border-radius: 10px;
    border: 2px solid var(--primary);
    text-decoration: none;
    color: var(--primary);
    font-weight: 600;
    transition: var(--transition);
    background: #fff;
}

.rd-services-page .btn-outline:hover {
    background: var(--primary);
    color: #fff;
}


/* =========================================================
   INTRO / RBI CITATION BLOCK
   ========================================================= */

.rd-intro {
    padding: 55px 0;
    background: var(--white);
}

.rd-intro-wrap {
    /* max-width: 1000px; */
    margin: auto;
}

.rd-intro-text {
    text-align: justify;
    /* max-width: 900px; */
    margin: 0 auto 30px;
}

.rd-intro-text p {
    font-size: 16px !important;
}

.rd-rbi-box {
    position: relative;
    background: var(--primary-light);
    border: 1px solid var(--border);
    border-left: 5px solid var(--primary);
    border-radius: 16px;
    padding: 25px 28px;
}

.rd-rbi-label {
    display: inline-block;
    font-size: 13px;
    font-weight: 700;
    color: var(--primary-dark);
    background: #fff;
    border: 1px solid var(--border);
    padding: 6px 13px;
    border-radius: 30px;
    margin-bottom: 12px;
}

.rd-rbi-box p {
    margin: 0;
    color: var(--text);
}

.rd-rbi-source {
    display: block;
    margin-top: 13px;
    font-size: 13px;
    color: var(--text-light);
}

.rd-rbi-source a {
    color: var(--primary);
    font-weight: 600;
    text-decoration: none;
}

.rd-rbi-source a:hover {
    text-decoration: underline;
}


/* =========================================================
   TWO COLUMN CONTENT
   Reusable: add rd-reverse to change layout
   ========================================================= */

.rd-two-column {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 45px;
    align-items: center;
}

.rd-two-column.rd-reverse .rd-content-side {
    order: 2;
}

.rd-two-column.rd-reverse .rd-card-side {
    order: 1;
}

.rd-content-side p:last-child {
    margin-bottom: 0;
}


/* =========================================================
   RIGHTS / ALLOWED LIST
   ========================================================= */

.rd-rights-list {
    display: grid;
    gap: 15px;
}

.rd-right-item {
    display: flex;
    align-items: flex-start;
    gap: 15px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 18px;
    transition: var(--transition);
}

.rd-right-item:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(0, 0, 0, .06);
    border-color: var(--primary);
}

.rd-right-number {
    width: 35px;
    height: 35px;
    min-width: 35px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-light);
    color: var(--primary-dark);
    border-radius: 50%;
    font-weight: 700;
}

.rd-right-item p {
    margin: 3px 0 0;
    color: var(--text);
}


/* =========================================================
   PROHIBITED CARDS
   ========================================================= */

.rd-prohibited-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 35px;
}

.rd-prohibited-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 25px;
    transition: var(--transition);
}

.rd-prohibited-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow);
    border-color: var(--primary);
}

.rd-prohibited-icon {
    width: 46px;
    height: 46px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-light);
    border-radius: 12px;
    color: var(--primary);
    margin-bottom: 17px;
    font-size: 20px;
}

.rd-prohibited-card h3 {
    font-size: 18px !important;
    margin-bottom: 8px;
}

.rd-prohibited-card p {
    margin: 0;
}


/* =========================================================
   CALLING HOURS
   ========================================================= */

.rd-hours-box {
    /* max-width: 950px; */
    margin: auto;
    background: #fff;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    box-shadow: var(--shadow);
    overflow: hidden;
}

.rd-hours-top {
    padding: 35px;
    text-align: center;
    background: var(--primary-light);
}

.rd-time-display {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 25px;
    margin: 22px 0;
}

.rd-time-item {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 18px 28px;
    min-width: 180px;
}

.rd-time-item span {
    display: block;
    color: var(--text-light);
    font-size: 13px;
    margin-bottom: 4px;
}

.rd-time-item strong {
    display: block;
    color: var(--primary-dark);
    font-size: 24px;
}

.rd-time-divider {
    font-weight: 700;
    color: var(--primary);
}

.rd-hours-content {
    padding: 30px 35px;
}

.rd-hours-content p:last-child {
    margin-bottom: 0;
}


/* =========================================================
   FAMILY / PRIVACY SECTION
   ========================================================= */

.rd-answer-box {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px;
    box-shadow: var(--shadow);
}

.rd-answer-label {
    display: inline-block;
    background: var(--primary);
    color: #fff;
    border-radius: 8px;
    padding: 7px 14px;
    font-size: 13px;
    font-weight: 700;
    margin-bottom: 15px;
}

.rd-answer-box p:last-child {
    margin-bottom: 0;
}


/* =========================================================
   COMPLAINT STEPS
   ========================================================= */

.rd-steps {
    max-width: 950px;
    margin: 40px auto 0;
    position: relative;
}

.rd-steps::before {
    content: "";
    position: absolute;
    top: 0;
    bottom: 0;
    left: 27px;
    width: 3px;
    border-radius: 30px;
    background: linear-gradient(to bottom, var(--primary), #20c997);
}

.rd-step {
    position: relative;
    display: grid;
    grid-template-columns: 65px 1fr;
    gap: 20px;
    margin-bottom: 20px;
}

.rd-step:last-child {
    margin-bottom: 0;
}

.rd-step-number {
    width: 55px;
    height: 55px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary);
    color: #fff;
    border-radius: 50%;
    font-size: 18px;
    font-weight: 700;
    border: 5px solid #fff;
    box-shadow: 0 8px 20px rgba(25, 135, 84, .20);
}

.rd-step-content {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 15px;
    padding: 22px 25px;
}

.rd-step-content h3 {
    font-size: 19px !important;
    margin-bottom: 8px;
}

.rd-step-content p {
    margin: 0;
}

.rd-step-content a {
    color: var(--primary);
    font-weight: 600;
}


/* =========================================================
   SERVICE PROCESS
   ========================================================= */

.rd-service-process {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 40px;
}

.rd-process-card {
    position: relative;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 25px;
    transition: var(--transition);
}

.rd-process-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow);
    border-color: var(--primary);
}

.rd-process-number {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
    background: var(--primary);
    color: #fff;
    font-weight: 700;
    margin-bottom: 15px;
}

.rd-process-card h3 {
    font-size: 18px !important;
    margin-bottom: 8px;
}

.rd-process-card p {
    margin: 0;
}


/* =========================================================
   IMPORTANT NOTE
   ========================================================= */

.rd-note {
    margin-top: 30px;
    background: #fff;
    border: 1px solid var(--border);
    border-left: 4px solid var(--primary);
    padding: 20px 22px;
    border-radius: 12px;
}

.rd-note p {
    margin: 0;
}

/*==============================
Business Comparison
==============================*/

.rd-comparison-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 25px;
    margin-top: 35px;
}

.rd-compare-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    padding: 28px;
    transition: var(--transition);
    box-shadow: 0 8px 20px rgba(0, 0, 0, .04);
}

.rd-compare-card:hover {
    border-color: var(--primary);
    transform: translateY(-4px);
    box-shadow: var(--shadow);
}

.rd-compare-card h3 {
    margin-bottom: 18px;
}

.rd-compare-card ul {
    padding-left: 18px;
    margin: 0;
}

.rd-compare-card li {
    margin-bottom: 12px;
    color: var(--text-light);
}

/*==============================
Business Grid
==============================*/

.rd-business-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
}

.rd-business-box {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 22px;
    transition: var(--transition);
}

.rd-business-box:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow);
    transform: translateY(-4px);
}

.rd-business-box h3 {
    font-size: 18px !important;
    margin-bottom: 8px;
}

.rd-business-box p {
    margin: 0;
}

/*==============================
Digital Lending Highlights Reusable
==============================*/

.rd-highlight-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 35px;
}

.rd-highlight-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 18px;
    padding: 28px;
    transition: var(--transition);
    box-shadow: 0 8px 20px rgba(0, 0, 0, .04);
}

.rd-highlight-card:hover {
    transform: translateY(-5px);
    border-color: var(--primary);
    box-shadow: var(--shadow);
}

.rd-highlight-icon {
    width: 52px;
    height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-light);
    border-radius: 14px;
    color: var(--primary);
    font-size: 22px;
    margin-bottom: 18px;
}

.rd-highlight-card h3 {
    font-size: 18px !important;
    margin-bottom: 10px;
}

.rd-highlight-card p {
    margin: 0;
}

/* =========================================================
   FAQ
   ========================================================= */

.rd-faq-section {
    padding: 70px 0;
    background: var(--bg);
}

.rd-faq-wrapper {
    max-width: 980px;
    margin: 40px auto 0;
}

.rd-faq-item {
    background: #ffffff;
    border: 1px solid #d9e7df;
    border-radius: 18px;
    padding: 28px 30px;
    margin-bottom: 20px;
    transition: .35s;
    box-shadow: 0 8px 20px rgba(0, 0, 0, .04);
}

.rd-faq-item:hover {
    border-color: #198754;
    box-shadow: 0 15px 35px rgba(0, 0, 0, .08);
}

.rd-faq-item h3 {
    font-size: 22px;
    line-height: 1.5;
    color: #0f5132;
    margin-bottom: 15px;
}

.rd-faq-item p {
    font-size: 15px;
    line-height: 1.9;
    color: #6c757d;
    margin: 0;
}

/* =========================================================
   INTERNAL SERVICE LINKS
   Common CSS for all service pages
========================================================= */

.rd-services-links-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 35px;
}

.rd-service-link-card {
    display: block;
    background: #ffffff;
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 24px;
    text-decoration: none;
    transition: var(--transition);
}

.rd-service-link-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow);
    transform: translateY(-4px);
    text-decoration: none;
}

.rd-service-link-card h3 {
    font-size: 18px !important;
    color: var(--secondary);
    margin: 0 0 10px;
}

.rd-service-link-card p {
    color: var(--text-light);
    margin: 0 0 14px;
}

.rd-service-link-card span {
    display: inline-block;
    color: var(--primary);
    font-size: 14px;
    font-weight: 600;
}

.rd-service-link-card:hover span {
    color: var(--primary-dark);
}


/* =========================================================
   CTA
   ========================================================= */

.rd-cta {
    padding: 65px 0;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    position: relative;
    overflow: hidden;
}

.rd-cta::before {
    content: "";
    position: absolute;
    width: 420px;
    height: 420px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .08);
    right: -150px;
    top: -150px;
}

.rd-cta::after {
    content: "";
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .05);
    left: -120px;
    bottom: -120px;
}

.rd-cta-content {
    max-width: 850px;
    margin: auto;
    text-align: center;
}

.rd-cta h2 {
    color: #fff;
    margin-bottom: 15px;
}

.rd-cta p {
    color: rgba(255, 255, 255, .85);
    max-width: 700px;
    margin: 0 auto 25px;
}

.rd-cta-buttons {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 15px;
}

.rd-cta .btn {
    background: #fff;
    color: var(--secondary);
    box-shadow: none;
}

.rd-cta .btn:hover {
    background: var(--primary-light);
    color: var(--secondary);
}

.rd-cta .btn-outline {
    border-color: #fff;
    color: #fff;
    background: transparent;
}

.rd-cta .btn-outline:hover {
    background: #fff;
    color: var(--secondary);
}


/* =========================================================
   RESPONSIVE
   ========================================================= */

@media (max-width: 992px) {

    .rd-two-column {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .rd-two-column.rd-reverse .rd-content-side,
    .rd-two-column.rd-reverse .rd-card-side {
        order: initial;
    }

    .rd-prohibited-grid,
    .rd-service-process {
        grid-template-columns: repeat(2, 1fr);
    }

    .rd-highlight-grid{
        grid-template-columns:repeat(2,1fr);
    }

    .rd-services-links-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}


@media (max-width: 768px) {

    .rd-services-page h1,
    .rd-services-page h2,
    .rd-services-page h3 {
        font-size: 22px !important;
    }

    .rd-services-page p,
    .rd-services-page li {
        font-size: 14px !important;
    }

    .rd-section,
    .rd-faq-section {
        padding: 50px 0;
    }

    .rd-intro {
        padding: 40px 0;
    }

    .rd-prohibited-grid,
    .rd-service-process {
        grid-template-columns: 1fr;
    }

    .rd-time-display {
        flex-direction: column;
        gap: 10px;
    }

    .rd-time-item {
        width: 100%;
    }

    .rd-steps::before {
        left: 22px;
    }

    .rd-step {
        grid-template-columns: 48px 1fr;
        gap: 12px;
    }

    .rd-step-number {
        width: 45px;
        height: 45px;
        font-size: 15px;
    }

    .rd-answer-box,
    .rd-hours-top,
    .rd-hours-content {
        padding: 24px;
    }

    .rd-comparison-grid {
        grid-template-columns:1fr;
    }

    .rd-highlight-grid{
        grid-template-columns:1fr;
    }

    .rd-faq-item {
        padding: 24px;
    }

    .rd-faq-item h3 {
        font-size: 20px;
    }
}


@media (max-width: 576px) {

    .rd-services-page h1,
    .rd-services-page h2,
    .rd-services-page h3 {
        font-size: 18px !important;
    }

    .rd-services-page p,
    .rd-services-page li {
        font-size: 13px !important;
    }

    .rd-container {
        padding-left: 15px;
        padding-right: 15px;
    }

    .rd-section,
    .rd-faq-section {
        padding: 40px 0;
    }

    .rd-rbi-box,
    .rd-prohibited-card,
    .rd-process-card {
        padding: 20px;
    }

    .rd-steps::before {
        display: none;
    }

    .rd-step {
        grid-template-columns: 1fr;
    }

    .rd-step-number {
        margin-bottom: -5px;
    }

    .rd-business-grid{
        grid-template-columns:1fr;
    }

    .rd-faq-item h3 {
        font-size: 18px;
    }

    .rd-services-links-grid {
        grid-template-columns: 1fr;
    }

    .rd-service-link-card {
        padding: 20px;
    }

    .rd-cta-buttons {
        flex-direction: column;
    }

    .rd-cta-buttons .btn,
    .rd-cta-buttons .btn-outline {
        width: 100%;
    }
}