html {
    font-size: 10px;
    scroll-behavior: smooth;
}

body {
    font-family: 'Open Sans', sans-serif;
    background-color: #fff;
    color: #111;
    font-size: 1.6rem;
}

a,
a:hover,
a:visited,
a:active {
    color: #4e4e4e;
    text-decoration: underline;
}

p {
    font-size: 1.6rem;
}

h1 {
    font-size: 5rem;
}

h2 {
    font-size: 4.6rem;
}

h3 {
    font-size: 2.8rem;
}

h4 {
    font-size: 2.4rem;
}

.special-color {
    color: #ff9602;
}

.underline {
    border-bottom: 0.6rem solid #F4B631;
}

.align-items-center {
    -ms-flex-align: center !important;
    -webkit-box-align: center !important;
    align-items: center !important;
}

.d-flex {
    display: -ms-flexbox !important;
    display: -webkit-box !important;
    display: flex !important;
}

.custom-btn {
    display: inline-block;
    padding: 10px 25px;
    background: #20409a;
    border: none;
    border-radius: 50px;
    font-size: 1.8rem;
    font-weight: 600;
    color: #fff;
    text-decoration: none;
    transition: all ease 300ms;
}

.custom-btn:hover,
.custom-btn:focus {
    color: #fff;
    text-decoration: none;
    transform: scale(1.04);
}

.row-equal {
    display: -webkit-box;
    display: -ms-flexbox;
    display: flex;
    -ms-flex-wrap: wrap;
    flex-wrap: wrap;
}

.row-equal>[class*='col-'] {
    display: -webkit-box;
    display: -ms-flexbox;
    display: flex;
    -webkit-box-orient: vertical;
    -webkit-box-direction: normal;
    -ms-flex-direction: column;
    flex-direction: column;
}

.padding-0 {
    padding: 0rem !important;
}

.margin-0 {
    margin: 0rem !important;
}

.section {
    padding: 15px 0;
}

.effect-pulse {
    animation: shadow-pulse 2s ease infinite;
}

.section-heading,
.section-how-to .title,
.section-benefits .item .title,
.section-incentive .text-1 {
    font-family: 'EB Garamond', sans-serif;
}

.section-heading {
    margin: 1rem 0;
}

.section-small-heading {
    font-weight: 700;
    color: #86a868;
}

.section-top {
    position: relative;
    background: #fee5a9 url(../images/backgrounds/flower_top_2.jpg) top left no-repeat;
    background-size: 43%;
    margin-bottom: 50px;
}

.section-top .branding-wrap {
    margin: 0 0 10px 0;
    text-align: center;
}

.section-top .branding-wrap .branding {
    margin: 15px 0 30px 0;
}

.section-top .branding-wrap img {
    max-width: 100%;
}

.section-top .branding-wrap .info {
    margin: 0 0 45px 0;
    padding: 1.1rem 1rem 1rem 1rem;
    background: #000;
    color: #fff;
    font-size: 1.8rem;
    font-weight: 900;
    border-radius: 2.2rem;
    box-shadow: 0 0 16px rgba(0, 0, 0, 0.4);
}

.section-top .branding-wrap .info .icon {
    margin: -0.4rem 1rem 0 0;
    width: 2rem;
}

.section-top .bg-house,
.section-top .bg-flower {
    position: absolute;
}

.section-top .bg-house {
    left: 0;
    bottom: 0;
    width: 60%;
    height: 86.2%;
    background: url(../images/backgrounds/house.png) bottom left no-repeat;
    background-size: contain;
}

.section-top .bg-flower {
    z-index: 4;
    right: 0;
    top: 13%;
    width: 23.6%;
    height: 73.5%;
    background: url(../images/backgrounds/flower_top.png) bottom right no-repeat;
    background-size: contain;
    pointer-events: none;
}

.section-top .heading-wrap {
    padding: 0 7%;
    text-align: right;
}

.section-top .main-heading {
    font-size: 6rem;
    font-weight: 800;
    margin-top: 30px;
}

.section-top .sub-heading {
    font-weight: 300;
}

.section-top .heading-wrap .line-horizontal {
    display: inline-block;
    position: relative;
    z-index: 3;
    margin-right: -15%;
    width: 54%;
    height: 4px;
    background: #86a868;
}

.section-top .form-wrap {
    position: relative;
    z-index: 2;
    background: #fff;
    height: auto;
    margin: -160px 0 0 0;
    bottom: -160px;
    padding: 15px 55px 45px 55px;
    box-shadow: 0 0 20px rgba(0, 0, 0, 0.2);
}

.section-top .form-wrap img {
    max-width: 100%;
	margin: 75px 0;
}

.section-top .form-wrap .heading-box {
    margin: 0 0 2rem 0;
    border-right: #86a868 4px solid;
}

.section-top .form-wrap .heading {
    padding: 1rem 0 1rem 0;
    font-size: 3.9rem;
    font-weight: 800;
    color: #699958;
}

.section-top .form-wrap input {
    background: #e4e4e4;
}

.section-top .form-wrap input:focus {
    outline: #699958 2px solid;
}

.section-top .form-wrap .form-inputs .form-input-wrap {
    margin-bottom: 18px;
}

.section-top .form-wrap .form-inputs input {
    width: 100%;
    padding: 14px 14px;
    border: none;
}

.section-top .form-wrap .form-inputs input[type=submit] {
    background: #000;
    color: #fff;
    font-size: 2.3rem;
    font-weight: 700;
    transition: all  ease 300ms;
}

.section-top .form-wrap .form-inputs input[type=submit]:hover {
    transform: scale(1.1);
    background: #86a868;
}

.section-top .form-wrap .form-checkboxes .row {
    margin-bottom: 5px;
}

.section-top .form-wrap .form-checkboxes input[type=checkbox] {
    margin: 0 10px 0 0;
}

.section-top .form-wrap .form-checkboxes .check-all {
    margin: 0 0 10px 0;
}

.section-top .form-wrap .form-checkboxes label {
    margin: 0;
    color: #818181;
    font-size: 1.2rem;
    font-weight: 400;
}

.section-top .form-wrap .info-summary {
    text-align: justify;
}

.section-info {
    padding: 0 0 15px 0;
    background: #fff;
}

.section-info .box-info {
    margin: 0 0 0 2rem;
    padding: 6rem 0 1rem 4rem;
    border-left: #86a868 4px solid;
}

.section-info .section-heading {
    font-size: 3.5rem;
}


.section-info .icons-wrap {
    position: relative;
    z-index: 0;
    margin: 130px 0 0 0;
    padding: 0 20px 0 0;
    text-align: right;
}

.section-info .icons-wrap img {
    max-width: 100%;
}

.section-how-to {
    padding: 40px 0;
    background: #f1ece1;
}

.section-how-to .item {
    margin: 0 0 15px 0;
    padding: 35px 45px;
    background-color: #e7e0d1;
}

.section-how-to .item .icon {
    margin: 0 0 30px 0;
}

.section-how-to .item .icon img {
    max-height: 100%;
}

.section-how-to .item .title {
    min-height: 9rem;
    font-weight: 700;
    font-size: 2.6rem;
}

.section-how-to .item .desc {
    margin: 20px 0 0 0;
    min-height: 10rem;
    font-size: 1.5rem;
    font-weight: 300;
    line-height: 1.8;
}

.section-benefits {
    padding: 80px 0 200px 0;
}

.section-benefits .image-wrap {
    position: relative;
    display: inline-block;
    background: #091926;
}

.section-benefits .image-wrap img {
    max-width: 100%;
    position: relative;
    top: 2.5rem;
    left: 2.5rem;
}

.section-benefits .section-heading {
    margin: 1rem 0 4rem 0;
    font-size: 3.5rem;
}

.section-benefits .info-box {
    padding: 1rem 0 0 4rem;
    border-left: #86a868 4px solid;
}

.section-benefits .item {
    margin: 0 0 4rem 0;
}

.section-benefits .item .title {
    font-size: 2.3rem;
    font-weight: 600;
}

.section-benefits .item .desc {
    font-size: 1.6rem;
    font-weight: 300;
}

.section-incentive {
    background: #091926;
    text-align: center;
    margin-bottom: -50px;
}

.section-incentive .box-incentive {
    margin: -80px -30px 0 -30px;
    padding: 65px 0;
    background: #e3c57e;
}

.section-incentive .box-incentive .text-1,
.section-incentive .box-incentive .box-btn {
    display: inline-block;
}

.section-incentive .box-incentive .text-1 {
    font-size: 3rem;
    font-weight: 600;
    text-align: left;
}

.section-incentive .box-incentive .box-btn {
    margin: 22px 0 0 0;
    padding: 10px 65px;
    background: #000;
    font-size: 1.8rem;
    font-weight: 700;
    color: #fff;
    text-decoration: none;
    transition: transform ease 300ms;
    box-shadow: 0 0 30px rgba(0, 0, 0, 0.25);
}

.section-incentive .box-incentive .box-btn:hover {
    transform: scale(1.02);
}

.section-footer {
    padding: 80px 0;
    margin-top: 50px;
    background: #091926;
    text-align: center;
}

.section-footer .logo img {
    max-width: 100%;
    width: 279px;
}

.section-footer .menu-wrap {
    margin: 45px 0;
}

.section-footer .menu-wrap .menu {
    margin: 0;
    padding: 0;
    list-style: none;
}

.section-footer .menu-wrap .menu .item {
    display: inline-block;
    font-size: 1.7rem;
}

.section-footer .menu-wrap .menu .item,
.section-footer .menu-wrap .menu .item a {
    color: #818181;
    font-size: 1.5rem;
}

.section-footer .menu-wrap .menu .item a:hover {
    text-decoration: underline;
}

.section-footer .menu-wrap .menu .item:after {
    content: '';
    display: inline-block;
    width: 1px;
    height: 1.8rem;
    margin: 0 32px -0.1rem 32px;
    background: #818181;
}

.section-footer .menu-wrap .menu .item:last-of-type:after {
    display: none;
    ;
}

.section-footer .footer-note {
    font-size: 1.2rem;
    color: #43525f;
}

@media (max-width: 1800px) {
    .section-top .bg-flower {
        top: 4%;
        width: 20.6%;
    }
}

@media (max-width: 1600px) {
    .section-top .bg-flower {
        top: 18%;
        width: 17.6%;
        height: 50%;
    }
}

@media (max-width: 1500px) {
    .section-top .bg-flower {
        top: 14%;
        width: 15.6%;
        height: 50%;
    }
}

@media (max-width: 1280px) {
    .section-top .bg-flower {
        top: 12%;
        width: 15.6%;
        height: 43%;
        right: -6%;
    }
}

@media (max-width: 1199px) {
    .section-top .main-heading {
        font-size: 4.2rem;
    }
    .section-top .heading-wrap .line-horizontal {
        width: 266px;
    }
    .section-top .bg-flower {
        display: none;
    }
    .section-top .branding-wrap .info {
        font-size: 1.5rem;
    }
    .section-top .form-wrap {
        padding: 15px 40px 35px 40px;
    }
    .section-top .form-wrap .heading {
        font-size: 3.4rem;
    }
    .section-top .form-wrap .form-inputs input {
        padding: 11px;
    }
    .section-top .form-wrap .form-checkboxes label {
        font-size: 1.2rem;
    }
    .section-info .section-heading {
        font-size: 3.2rem;
    }
    .section-benefits .image-wrap {
        margin-top: 65px;
    }
    .section-how-to .item .title {
        font-size: 2.2rem;
    }
    .section-benefits {
        padding: 80px 0 100px 0;
    }
    .section-footer {
        padding: 45px 0;
    }
}

@media (max-width: 991px) {
    .padding-0 {
        padding: 0 15px !important;
    }
    .section-top .branding-wrap .info {
        margin: 0;
    }
    .section-top .heading-wrap {
        text-align: center;
    }
    .section-top .sub-heading {
        margin-bottom: 1.5rem;
        font-size: 4rem;
    }
    .section-top .heading-wrap .line-horizontal {
        margin: 0 0 1.5rem 0;
    }
    .section-top .form-wrap {
        margin: 0 0 30px 0;
        bottom: 0;
    }
    .section-info .box-info {
        padding: 1rem 0 1rem 4rem;
    }
    .section-info .icons-wrap {
        margin: 1.5rem 0 0 0;
        text-align: center;
    }
    .section-how-to .item {
        padding: 25px 15px;
    }
    .section-how-to .item .icon {
        text-align: center;
        min-height: 85px;
    }
    .section-how-to .item .title {
        font-size: 2rem;
        min-height: 6rem;
    }
    .section-how-to .item .desc {
        min-height: 12rem;
    }
    .section-benefits .image-wrap {
        margin-top: 100px;
    }
    .section-incentive .box-incentive {
        margin: -80px 0 0 0;
        padding: 50px;
    }
}

@media (max-width: 767px) {
    .section-top {
        overflow: hidden;
    }
    .section-how-to .item {
        padding: 15px;
        text-align: center;
    }
    .section-how-to .item .icon,
    .section-how-to .item .title,
    .section-how-to .item .desc {
        min-height: auto;
        margin: 0 0 15px 0;
    }
    .section-benefits {
        padding: 45px 0 80px 0;
    }
    .section-benefits .box-image {
        text-align: center;
    }
    .section-benefits .image-wrap {
        margin: 0 0 45px -8px;
        max-width: 85%;
    }
    .section-benefits .section-heading,
    .section-benefits .section-small-heading,
    .section-incentive .box-incentive .text-1 {
        text-align: center;
    }
    .section-footer .menu-wrap .menu {
        text-align: center;
    }
    .section-footer .menu-wrap .menu .item {
        display: block;
        margin: 0 0 10px 0;
    }
    .section-footer .menu-wrap .menu .item:after {
        display: none;
    }
	.section-top .form-wrap img {
		margin: 15px 0;
	}
}

@media (max-width: 600px) {
    .section-top .main-heading {
        font-size: 3.4rem;
    }
    .section-top .sub-heading {
        font-size: 2.8rem;
    }
}


/* NORMAL PAGE */

.normal-page-wrap {
    padding: 3rem 0;
    background: #f1f1f1;
}

.normal-page-wrap .inner-wrap {
    padding: 3rem 2.5rem;
    background: #fff;
}

.normal-page-wrap .normal-page-heading {
    margin: 2rem 0 3rem 0;
    font-size: 3.6rem;
    font-weight: 600;
}

.normal-page-wrap h2,
.normal-page-wrap h3,
.normal-page-wrap h4,
.normal-page-wrap h5,
.normal-page-wrap h6 {
    margin: 1em 0 1em 0;
    font-weight: 600;
}

.normal-page-wrap p {
    margin: 0 0 2.5rem 0;
    font-size: 2.1rem;
    font-weight: 500;
    text-align: justify;
}

.normal-page-wrap img {
    max-width: 100%;
    margin: 0 0 2.5rem 0;
}

.normal-page-wrap .featured-image {
    margin: 1.5rem 0 3rem 0;
}

.normal-page-wrap ul {
    list-style: none;
    padding: 0 0 0 2rem;
}

.normal-page-wrap ul li {
    padding: 0 0 0 2rem;
    position: relative;
}

.normal-page-wrap ul li:before {
    content: '';
    position: absolute;
    display: inline-block;
    top: 1rem;
    left: 0;
    width: 1rem;
    height: 1rem;
    background: #ff9602;
}

.normal-page-wrap .loan-form-btn {
    margin: 1.5rem 0;
}

@media (max-width: 991px) {
    .normal-page-wrap .inner-wrap {
        padding: 2.5rem;
    }
    .normal-page-wrap .vertical-align-center {
        display: block;
    }
    .normal-page-wrap p {
        margin: 0 0 1.6rem 0;
        font-size: 1.8rem;
    }
    .normal-page-wrap img {
        margin: 0 0 2rem 0;
    }
    .normal-page-wrap .featured-image {
        margin: 1rem 0 2rem 0;
    }
}


/* COOKIE BAR START */

#cookieBarDiv {
    background: rgba(0, 0, 0, 0.8);
    position: fixed;
    width: 100%;
    bottom: 0;
    left: 0;
    padding: 10px 0;
    z-index: 99999;
}

#cookieBarDiv,
#cookieBarDiv a {
    color: #fff;
}

#cookieBarDiv a {
    text-decoration: underline;
}

#cookieBarDiv .cookieBarDivContainer {
    max-width: 1280px;
    margin: 0 auto;
    font-size: 1.2rem;
    text-align: center;
}

#cookieBarDiv button {
    display: inline-block;
    font-size: 1.2rem;
    font-weight: 600;
    margin-left: 1.5rem;
    margin-top: 0.3rem;
    border-radius: 0.5rem;
    color: #111111;
    padding: 0.3rem 1rem;
    border: none;
}


/* COOKIE BAR END */


/* CLAUSE STYLES */

.clause-description {
    z-index: 2147483647;
    display: none;
    position: absolute;
    top: 0px;
    left: 0px;
    width: 305px;
    padding: 5px;
    background-color: rgb(255, 255, 255);
    border: 2px solid rgb(187, 187, 187);
    border-radius: 0;
    font-family: Ubuntu;
    font-size: 11px;
    color: rgb(85, 85, 85);
    text-align: center;
}

.clause-description a:first-child {
    display: block;
    float: right;
    font-weight: bold;
}

.clause-description {
    width: 100% !important;
    top: 0 !important;
}

.clause-description a {
    color: #808080 !important;
    font-weight: 400;
}


/* ERRORS */

.error-info {
    background-color: #ff0000;
    color: white;
    margin: auto;
    padding-top: 1rem;
    padding-bottom: 1rem;
    text-align: center;
    font-weight: 900 !important;
    width: 100%;
    position: relative;
    margin-top: 0;
    margin-bottom: 20px;
}

label.error {
    margin: 0.2rem 0 0 0;
    color: #ff0000 !important;
    font-size: 1.1rem;
    font-weight: 600;
    text-align: left;
}


/* COUNTER */

.rdr-counter-wrap {
    font-size: 2.2rem;
}

.rdr-counter {
    display: inline-block;
    font-weight: 600;
}


/* TOOLTIPS */

.tooltip {
    top: -1.5rem !important;
    width: 100%;
}

.tooltip .tooltip-inner {
    padding: 1rem;
    max-width: 48rem;
    border-radius: 0.5rem;
    -webkit-box-shadow: 0.2rem 0.2rem 0.5rem rgba(0, 0, 0, .2);
    box-shadow: 0.2rem 0.2rem 0.5rem rgba(0, 0, 0, .2);
    background: #21395c;
    color: white;
    font-size: 1.2rem;
}

.tooltip .tooltip-arrow {}

.tooltip.top .tooltip-arrow {
    border-top-color: #21395c;
}

.tooltip.top-left .tooltip-arrow {
    border-top-color: #21395c;
}

.tooltip.top-right .tooltip-arrow {
    border-top-color: #21395c;
}

.tooltip.right .tooltip-arrow {
    border-right-color: #21395c;
}

.tooltip.left .tooltip-arrow {
    border-left-color: #21395c;
}

.tooltip.bottom .tooltip-arrow {
    border-bottom-color: #21395c;
}

.tooltip.bottom-left .tooltip-arrow {
    border-bottom-color: #21395c;
}

.tooltip.bottom-right .tooltip-arrow {
    border-bottom-color: #21395c;
}


/* TOOLTIPS */


/* DATEPICKERS */

.datepicker table tr td span.active.active,
.datepicker table tr td span.active.active:hover {
    background: #40B55C;
}

@keyframes shadow-pulse {
    0% {
        box-shadow: 0 0 0 0 rgba(0, 0, 0, 0.4);
    }
    70% {
        box-shadow: 0 0 0 14px rgba(0, 0, 0, 0);
    }
    100% {
        box-shadow: 0 0 0 10px rgba(0, 0, 0, 0);
    }
}

/* LOADER */
.multi-step-form {
    position: relative;
}

.form-loader-wrap {
    position: fixed;
    top: 0;
    right: 0;
    left: 0;
    width: 100%;
    height: 100%;
    height: 100vh;
    z-index: 999;
    display: none;
    background: rgba(255, 255, 255, .8);
    border-radius: 0.3rem;
    padding: 1em;
    vertical-align: top;
    font-size: 4.4rem;
    text-align: center;
    -webkit-transition: .3s color, .3s border, .3s transform, .3s opacity;
    -o-transition: .3s color, .3s border, .3s transform, .3s opacity;
    transition: .3s color, .3s border, .3s transform, .3s opacity;
    will-change: display;
    -webkit-transform: translate3d(0, 0, 0);
    transform: translate3d(0, 0, 0);
}

.form-loader-info {
    padding: 8% 0 0 0;
    font-size: 3.8rem;
    color: #111;
}

.form-loader-info .heading {
    font-weight: 600;
    margin: 0 0 1.5rem 0;
}

.form-loader-content {
    top: 43%;
    position: relative;
    background-image: url("/files/msf/images/msf-spinner-green.gif");
    background-size: cover;
    width: 10rem;
    height: 10rem;
    margin: auto;
    top: calc(50% - 5rem);
}

.last-step-loader-container .form-loader-content {
    top: 10%;
}

@media (max-width: 767px) {
    .tooltip {
        width: auto;
    }
    .form-loader-info {
        font-size: 2.2rem;
    }
}