
<?php include "master.php" ?>
<!-- Loans Hero Section --> <section class="relative py-16 lg:py-20 bg-gradient-to-br from-slate-900 via-primary-900 to-gray-900 dark:from-gray-900 dark:via-primary-900 dark:to-black overflow-hidden">     <div class="absolute inset-0">         <div class="absolute inset-0 opacity-10">             <div class="absolute top-0 left-0 w-full h-full" style="background-image: radial-gradient(circle at 25% 25%, #ffffff 1px, transparent 1px), radial-gradient(circle at 75% 75%, #ffffff 1px, transparent 1px); background-size: 60px 60px; animation: float 20s ease-in-out infinite;"></div> 
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                 <div class="absolute top-20 left-20 w-96 h-96 bg-green-500/20 rounded-full blur-3xl animate-pulse"></div> 
                 <div class="absolute bottom-20 right-20 w-80 h-80 bg-blue-500/20 rounded-full blur-3xl animate-pulse delay-1000"></div> 
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                  <div class="relative z-10 max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="text-center mb-12">             <div class="inline-flex items-center px-4 py-2 bg-white/10 backdrop-blur-sm text-white/90 rounded-full text-sm font-semibold mb-6 border border-white/20">                 <i class="fa-solid fa-hand-holding-dollar mr-2"></i>                 Lending Solutions             </div> 
                     <h1 class="text-4xl sm:text-5xl lg:text-6xl font-bold text-white mb-4">                 Loans & Financing             </h1>             <p class="text-xl text-gray-300 max-w-3xl mx-auto">                 Competitive rates and flexible terms to help you achieve your financial goals             </p>         </div> 
             </div> 
         </section>
  <!-- Loan Types Section --> <section class="py-16 bg-white dark:bg-gray-900">     <div class="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="text-center mb-12">             <h2 class="text-3xl lg:text-4xl font-bold text-gray-900 dark:text-white mb-4">                 Loan Options             </h2>             <p class="text-lg text-gray-600 dark:text-gray-300 max-w-2xl mx-auto">                 Find the perfect loan solution for your personal or business needs             </p>         </div> 
                  <div class="grid md:grid-cols-2 lg:grid-cols-3 gap-8">             <!-- Home Loans -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-blue-100 dark:bg-blue-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-home text-2xl text-blue-600 dark:text-blue-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Home Loans</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Competitive mortgage rates for first-time buyers and refinancing.                 </p>                 <div class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <div class="flex justify-between">                         <span>Interest Rate:</span>                         <span class="font-semibold text-blue-600 dark:text-blue-400">From 3.25% APR</span>                     </div> 
                             <div class="flex justify-between">                         <span>Loan Amount:</span>                         <span class="font-semibold">Up to $1M</span>                     </div> 
                             <div class="flex justify-between">                         <span>Term:</span>                         <span class="font-semibold">15-30 years</span>                     </div> 
                         </div> 
                         <a href="#apply" class="inline-flex items-center text-blue-600 dark:text-blue-400 font-semibold hover:text-blue-700 dark:hover:text-blue-300 transition-colors">                     Apply Now <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- Auto Loans -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-green-100 dark:bg-green-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-car text-2xl text-green-600 dark:text-green-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Auto Loans</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Finance your dream car with our competitive auto loan rates.                 </p>                 <div class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <div class="flex justify-between">                         <span>Interest Rate:</span>                         <span class="font-semibold text-green-600 dark:text-green-400">From 2.99% APR</span>                     </div> 
                             <div class="flex justify-between">                         <span>Loan Amount:</span>                         <span class="font-semibold">Up to $100K</span>                     </div> 
                             <div class="flex justify-between">                         <span>Term:</span>                         <span class="font-semibold">3-7 years</span>                     </div> 
                         </div> 
                         <a href="#apply" class="inline-flex items-center text-green-600 dark:text-green-400 font-semibold hover:text-green-700 dark:hover:text-green-300 transition-colors">                     Apply Now <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- Personal Loans -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-purple-100 dark:bg-purple-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-user text-2xl text-purple-600 dark:text-purple-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Personal Loans</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Flexible personal loans for any purpose with quick approval.                 </p>                 <div class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <div class="flex justify-between">                         <span>Interest Rate:</span>                         <span class="font-semibold text-purple-600 dark:text-purple-400">From 5.99% APR</span>                     </div> 
                             <div class="flex justify-between">                         <span>Loan Amount:</span>                         <span class="font-semibold">Up to $50K</span>                     </div> 
                             <div class="flex justify-between">                         <span>Term:</span>                         <span class="font-semibold">2-7 years</span>                     </div> 
                         </div> 
                         <a href="#apply" class="inline-flex items-center text-purple-600 dark:text-purple-400 font-semibold hover:text-purple-700 dark:hover:text-purple-300 transition-colors">                     Apply Now <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- Business Loans -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-orange-100 dark:bg-orange-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-briefcase text-2xl text-orange-600 dark:text-orange-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Business Loans</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Grow your business with our flexible commercial lending solutions.                 </p>                 <div class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <div class="flex justify-between">                         <span>Interest Rate:</span>                         <span class="font-semibold text-orange-600 dark:text-orange-400">From 4.25% APR</span>                     </div> 
                             <div class="flex justify-between">                         <span>Loan Amount:</span>                         <span class="font-semibold">Up to $5M</span>                     </div> 
                             <div class="flex justify-between">                         <span>Term:</span>                         <span class="font-semibold">1-25 years</span>                     </div> 
                         </div> 
                         <a href="#apply" class="inline-flex items-center text-orange-600 dark:text-orange-400 font-semibold hover:text-orange-700 dark:hover:text-orange-300 transition-colors">                     Apply Now <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- Student Loans -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-teal-100 dark:bg-teal-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-graduation-cap text-2xl text-teal-600 dark:text-teal-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Student Loans</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Invest in your education with competitive student loan rates.                 </p>                 <div class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <div class="flex justify-between">                         <span>Interest Rate:</span>                         <span class="font-semibold text-teal-600 dark:text-teal-400">From 3.75% APR</span>                     </div> 
                             <div class="flex justify-between">                         <span>Loan Amount:</span>                         <span class="font-semibold">Up to $200K</span>                     </div> 
                             <div class="flex justify-between">                         <span>Term:</span>                         <span class="font-semibold">5-20 years</span>                     </div> 
                         </div> 
                         <a href="#apply" class="inline-flex items-center text-teal-600 dark:text-teal-400 font-semibold hover:text-teal-700 dark:hover:text-teal-300 transition-colors">                     Apply Now <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                      <!-- Home Equity -->             <div class="bg-white dark:bg-gray-800 rounded-2xl p-8 shadow-xl border border-gray-200 dark:border-gray-700 hover:shadow-2xl transition-all duration-300">                 <div class="w-16 h-16 bg-red-100 dark:bg-red-900/30 rounded-2xl flex items-center justify-center mb-6">                     <i class="fa-solid fa-house-circle-check text-2xl text-red-600 dark:text-red-400"></i>                 </div> 
                         <h3 class="text-xl font-bold text-gray-900 dark:text-white mb-3">Home Equity</h3>                 <p class="text-gray-600 dark:text-gray-300 mb-4">                     Tap into your home's equity for major expenses or investments.                 </p>                 <div class="space-y-2 text-sm text-gray-600 dark:text-gray-300 mb-6">                     <div class="flex justify-between">                         <span>Interest Rate:</span>                         <span class="font-semibold text-red-600 dark:text-red-400">From 4.50% APR</span>                     </div> 
                             <div class="flex justify-between">                         <span>Loan Amount:</span>                         <span class="font-semibold">Up to $500K</span>                     </div> 
                             <div class="flex justify-between">                         <span>Term:</span>                         <span class="font-semibold">5-30 years</span>                     </div> 
                         </div> 
                         <a href="#apply" class="inline-flex items-center text-red-600 dark:text-red-400 font-semibold hover:text-red-700 dark:hover:text-red-300 transition-colors">                     Apply Now <i class="fa-solid fa-arrow-right ml-2"></i>                 </a>             </div> 
                 </div> 
             </div> 
         </section>
  <!-- Loan Calculator Section --> <section class="py-16 bg-gray-50 dark:bg-gray-800">     <div class="max-w-4xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="text-center mb-12">             <h2 class="text-3xl lg:text-4xl font-bold text-gray-900 dark:text-white mb-4">                 Loan Calculator             </h2>             <p class="text-lg text-gray-600 dark:text-gray-300">                 Estimate your monthly payments with our loan calculator             </p>         </div> 
                  <div class="bg-white dark:bg-gray-900 rounded-2xl p-8 shadow-xl">             <div class="grid md:grid-cols-2 gap-8">                 <div class="space-y-6">                     <div>                         <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">Loan Amount</label>                         <input type="number" id="loanAmount" placeholder="$25,000"                                 class="w-full px-4 py-3 rounded-xl border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-800 text-gray-900 dark:text-white">                     </div> 
                             <div>                         <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">Interest Rate (%)</label>                         <input type="number" id="interestRate" placeholder="5.99" step="0.01"                                class="w-full px-4 py-3 rounded-xl border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-800 text-gray-900 dark:text-white">                     </div> 
                             <div>                         <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">Loan Term (years)</label>                         <input type="number" id="loanTerm" placeholder="5"                                class="w-full px-4 py-3 rounded-xl border border-gray-300 dark:border-gray-600 bg-white dark:bg-gray-800 text-gray-900 dark:text-white">                     </div> 
                             <button onclick="calculateLoan()"                              class="w-full bg-primary-600 hover:bg-primary-700 text-white font-bold py-3 px-6 rounded-xl transition-colors">                         Calculate Payment                     </button>                 </div> 
                         <div class="bg-gray-50 dark:bg-gray-800 rounded-xl p-6">                     <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-4">Payment Breakdown</h3>                     <div class="space-y-3">                         <div class="flex justify-between">                             <span class="text-gray-600 dark:text-gray-300">Monthly Payment:</span>                             <span id="monthlyPayment" class="font-bold text-primary-600 dark:text-primary-400">$0</span>                         </div> 
                                 <div class="flex justify-between">                             <span class="text-gray-600 dark:text-gray-300">Total Interest:</span>                             <span id="totalInterest" class="font-bold text-gray-900 dark:text-white">$0</span>                         </div> 
                                 <div class="flex justify-between">                             <span class="text-gray-600 dark:text-gray-300">Total Payment:</span>                             <span id="totalPayment" class="font-bold text-gray-900 dark:text-white">$0</span>                         </div> 
                             </div> 
                         </div> 
                     </div> 
                 </div> 
             </div> 
         </section>
  <!-- Application Process Section --> <section id="apply" class="py-16 bg-white dark:bg-gray-900">     <div class="max-w-7xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="text-center mb-12">             <h2 class="text-3xl lg:text-4xl font-bold text-gray-900 dark:text-white mb-4">                 Easy Application Process             </h2>             <p class="text-lg text-gray-600 dark:text-gray-300 max-w-2xl mx-auto">                 Get approved in minutes with our streamlined application process             </p>         </div> 
                  <div class="grid md:grid-cols-4 gap-8">             <div class="text-center">                 <div class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-full flex items-center justify-center mx-auto mb-4">                     <span class="text-2xl font-bold text-primary-600 dark:text-primary-400">1</span>                 </div> 
                         <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Apply Online</h3>                 <p class="text-gray-600 dark:text-gray-300">Complete our secure online application in minutes</p>             </div> 
                      <div class="text-center">                 <div class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-full flex items-center justify-center mx-auto mb-4">                     <span class="text-2xl font-bold text-primary-600 dark:text-primary-400">2</span>                 </div> 
                         <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Quick Review</h3>                 <p class="text-gray-600 dark:text-gray-300">Our team reviews your application within 24 hours</p>             </div> 
                      <div class="text-center">                 <div class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-full flex items-center justify-center mx-auto mb-4">                     <span class="text-2xl font-bold text-primary-600 dark:text-primary-400">3</span>                 </div> 
                         <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Get Approved</h3>                 <p class="text-gray-600 dark:text-gray-300">Receive your approval decision and loan terms</p>             </div> 
                      <div class="text-center">                 <div class="w-16 h-16 bg-primary-100 dark:bg-primary-900/30 rounded-full flex items-center justify-center mx-auto mb-4">                     <span class="text-2xl font-bold text-primary-600 dark:text-primary-400">4</span>                 </div> 
                         <h3 class="text-lg font-semibold text-gray-900 dark:text-white mb-2">Receive Funds</h3>                 <p class="text-gray-600 dark:text-gray-300">Funds deposited directly into your account</p>             </div> 
                 </div> 
             </div> 
         </section>
  <!-- CTA Section --> <section class="py-16 bg-primary-600 dark:bg-primary-700">     <div class="max-w-4xl mx-auto px-4 sm:px-6 lg:px-8 text-center">         <h2 class="text-3xl lg:text-4xl font-bold text-white mb-4">             Ready to Apply for a Loan?         </h2>         <p class="text-xl text-primary-100 mb-8">             Get started with your loan application today and receive a decision within 24 hours         </p>         <div class="flex flex-col sm:flex-row gap-4 justify-center">             <a href="register" class="inline-flex items-center px-8 py-4 bg-white text-primary-600 font-bold rounded-2xl transition-all duration-300 shadow-lg hover:shadow-xl hover:-translate-y-1">                 <i class="fa-solid fa-file-alt mr-3"></i>                 Apply Now             </a>             <a href="contact" class="inline-flex items-center px-8 py-4 bg-primary-700 hover:bg-primary-800 text-white font-semibold rounded-2xl transition-all duration-300 border-2 border-white/30">                 <i class="fa-solid fa-phone mr-3"></i>                 Speak with Advisor             </a>         </div> 
             </div> 
         </section>
  <script> function calculateLoan() {     const loanAmount = parseFloat(document.getElementById('loanAmount').value) || 0;     const interestRate = parseFloat(document.getElementById('interestRate').value) || 0;     const loanTerm = parseFloat(document.getElementById('loanTerm').value) || 0;          if (loanAmount > 0 && interestRate > 0 && loanTerm > 0) {         const monthlyRate = interestRate / 100 / 12;         const numberOfPayments = loanTerm * 12;                  const monthlyPayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, numberOfPayments)) /                                (Math.pow(1 + monthlyRate, numberOfPayments) - 1);                  const totalPayment = monthlyPayment * numberOfPayments;         const totalInterest = totalPayment - loanAmount;                  document.getElementById('monthlyPayment').textContent = '$' + monthlyPayment.toFixed(2);         document.getElementById('totalInterest').textContent = '$' + totalInterest.toFixed(2);         document.getElementById('totalPayment').textContent = '$' + totalPayment.toFixed(2);     } } </script>       
   <?php include "footer.php" ?>