{% extends "base.html" %}
{% block title %}Personal Loans Australia — Quick Funding{% endblock %}
{% block extra_css %}
<link rel="stylesheet" href="{{ url_for('static', filename='css/calculator.css') }}">
<style>
  html, body {
  overflow-x: hidden;
}

* {
  box-sizing: border-box;
}

.use-cases{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--s4);margin-top:var(--s10)}
.use-case{text-align:center;padding:var(--s6) var(--s4);background:#fff;border-radius:var(--r-xl);border:1px solid var(--gray-200);transition:all var(--t)}
.use-case:hover{border-color:var(--blue);box-shadow:var(--shadow-md);transform:translateY(-3px)}
.use-case-icon{width:52px;height:52px;background:var(--blue-light);color:var(--blue);border-radius:var(--r-lg);display:flex;align-items:center;justify-content:center;margin:0 auto var(--s4)}
.use-case h4{font-size:.9375rem;margin-bottom:var(--s1)}
.use-case p{font-size:.8125rem;color:var(--gray-400)}
.personal-split{display:grid;grid-template-columns:1fr 1fr;gap:var(--s12);align-items:start}
.personal-img{border-radius:var(--r-xl);overflow:hidden;height:320px;margin-bottom:var(--s6)}
.personal-img img{width:100%;height:100%;object-fit:cover}
@media(max-width:900px){.use-cases{grid-template-columns:repeat(2,1fr)}.personal-split{grid-template-columns:1fr}.personal-img{display:none}}
/* ===== MOBILE OVERFLOW FIX ===== */

body {
  overflow-x: hidden;
}

/* Fix eligibility grid */
.elig-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

/* Cards should never overflow */
.elig-card {
  width: 100%;
  min-width: 0;
  overflow: hidden;
}

/* Prevent text breaking layout */
.elig-text h4,
.elig-text p {
  word-wrap: break-word;
  overflow-wrap: break-word;
}

/* Fix inner flex */
.elig-card {
  display: flex;
  gap: 10px;
}

/* Fix icon shrinking */
.elig-icon {
  flex-shrink: 0;
}

/* Mobile fix */
@media (max-width: 768px) {

  .personal-split {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .elig-grid {
    grid-template-columns: 1fr;
  }

  .container {
    padding-left: 16px;
    padding-right: 16px;
  }

  .section {
    overflow: hidden;
  }

}

/* Extra safety (important) */
img, svg {
  max-width: 100%;
}

@media (max-width: 768px) {
  .use-cases {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .use-cases {
    grid-template-columns: 1fr;
  }
}
</style>
{% endblock %}

{% block content %}
<section class="page-hero">
  <div class="page-hero-bg" style="background-image:url('{{ url_for('static', filename='img/business-handshake2.jpg') }}'),url('https://images.unsplash.com/photo-1563013544-824ae1b704d3?w=1400&q=80')"></div>
  <div class="page-hero-content">
    <div class="container">
      <span class="eyebrow" style="display:block;margin-bottom:var(--s3)" data-aos="fade-up">Personal Finance</span>
      <h1 data-aos="fade-up" data-aos-delay="100">Personal Loans for Australians</h1>
      <p data-aos="fade-up" data-aos-delay="200">Flexible personal loans from $5,000 to $90,000. Competitive rates, quick turnaround on approvals, and no hidden fees.</p>
      <div style="display:flex;gap:var(--s4);justify-content:center;flex-wrap:wrap" data-aos="fade-up" data-aos-delay="300">
        <a href="{{ url_for('apply') }}?type=personal" class="btn btn-primary btn-lg">Apply in 10 Minutes</a>
        <!--<a href="tel:0290717960" class="btn btn-outline-white btn-lg">Call 02 9071 7960</a>-->
      </div>
    </div>
  </div>
  <svg class="page-hero-wave" viewBox="0 0 1440 60" fill="none" preserveAspectRatio="none"><path d="M0 60h1440V0c-240 40-480 60-720 60S240 40 0 0v60z" fill="white"/></svg>
</section>

<!--<section class="section" style="background:var(--gray-100)">-->
<section class="section" style="background: url('{{ url_for('static', filename='img/6.jpg') }}') center/cover no-repeat;">
  <div class="container">
    <div class="section-header" data-aos="fade-up">
      <span class="eyebrow">What Can I Use It For?</span>
      <h2>Personal Finance for Any Purpose</h2>
      <p>Our personal loans are versatile — use them for almost any worthwhile personal expense.</p>
    </div>
    <div class="use-cases">
      <div class="use-case" data-aos="fade-up" data-aos-delay="0">
        <div class="use-case-icon"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M3 9l9-7 9 7v11a2 2 0 01-2 2H5a2 2 0 01-2-2z"/><polyline points="9 22 9 12 15 12 15 22"/></svg></div>
        <h4>Home Renovation</h4><p>Kitchen, bathroom or full home makeover</p>
      </div>
      <div class="use-case" data-aos="fade-up" data-aos-delay="70">
        <div class="use-case-icon"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M2 3h6a4 4 0 014 4v14a3 3 0 00-3-3H2z"/><path d="M22 3h-6a4 4 0 00-4 4v14a3 3 0 013-3h7z"/></svg></div>
        <h4>Education</h4><p>Course fees, tuition, professional development</p>
      </div>
      <div class="use-case" data-aos="fade-up" data-aos-delay="140">
        <div class="use-case-icon"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M22 16.92v3a2 2 0 01-2.18 2 19.79 19.79 0 01-8.63-3.07A19.5 19.5 0 013.07 9.8 19.79 19.79 0 01.01 1.18 2 2 0 012 0h3a2 2 0 012 1.72c.127.96.361 1.903.7 2.81a2 2 0 01-.45 2.11L6.09 7.91"/><line x1="2" y1="2" x2="22" y2="22"/></svg></div>
        <h4>Travel</h4><p>Holiday of a lifetime, family adventures</p>
      </div>
      <div class="use-case" data-aos="fade-up" data-aos-delay="210">
        <div class="use-case-icon"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M22 12h-4l-3 9L9 3l-3 9H2"/></svg></div>
        <h4>Medical</h4><p>Surgery, dental, elective procedures</p>
      </div>
      <div class="use-case" data-aos="fade-up" data-aos-delay="0">
        <div class="use-case-icon"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M20.84 4.61a5.5 5.5 0 00-7.78 0L12 5.67l-1.06-1.06a5.5 5.5 0 00-7.78 7.78l1.06 1.06L12 21.23l7.78-7.78 1.06-1.06a5.5 5.5 0 000-7.78z"/></svg></div>
        <h4>Wedding</h4><p>Ceremony, reception, honeymoon</p>
      </div>
      <div class="use-case" data-aos="fade-up" data-aos-delay="70">
        <div class="use-case-icon"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><polyline points="17 1 21 5 17 9"/><path d="M3 11V9a4 4 0 014-4h14"/><polyline points="7 23 3 19 7 15"/><path d="M21 13v2a4 4 0 01-4 4H3"/></svg></div>
        <h4>Debt Consolidation</h4><p>Combine multiple debts into one repayment</p>
      </div>
      <div class="use-case" data-aos="fade-up" data-aos-delay="140">
        <div class="use-case-icon"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><rect x="2" y="7" width="20" height="14" rx="2"/><path d="M16 21V5a2 2 0 00-2-2h-4a2 2 0 00-2 2v16"/></svg></div>
        <h4>Furniture &amp; Appliances</h4><p>New home setup or upgrade</p>
      </div>
      <div class="use-case" data-aos="fade-up" data-aos-delay="210">
        <div class="use-case-icon"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><circle cx="12" cy="12" r="10"/><line x1="12" y1="8" x2="12" y2="12"/><line x1="12" y1="16" x2="12.01" y2="16"/></svg></div>
        <h4>Emergency Costs</h4><p>Unexpected repairs or urgent expenses</p>
      </div>
    </div>
  </div>
</section>

<section class="section" style="background:#fff">
  <div class="container">
    <div class="personal-split">
      <!-- Left: image + eligibility + features -->
      <div data-aos="fade-right">
        <div class="personal-img">
          <img src="{{ url_for('static', filename='img/retail-shop.jpg') }}" alt="Personal loan use case" loading="lazy" onerror="this.style.background='linear-gradient(135deg,#0D1B2A,#1E3148)'">
        </div>
        <span class="eyebrow">Eligibility</span>
        <h2 style="margin-bottom:var(--s6)">Personal Loan Requirements</h2>
        <div class="elig-grid" style="margin-bottom:var(--s8)">
          <div class="elig-card"><div class="elig-icon"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="2.5"><path d="M20 21v-2a4 4 0 00-4-4H8a4 4 0 00-4 4v2"/><circle cx="12" cy="7" r="4"/></svg></div><div class="elig-text"><h4>18+ Years Old</h4><p>Australian citizen or permanent resident aged 18 or over.</p></div></div>
          <div class="elig-card"><div class="elig-icon"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="2.5"><line x1="12" y1="1" x2="12" y2="23"/><path d="M17 5H9.5a3.5 3.5 0 000 7h5a3.5 3.5 0 010 7H6"/></svg></div><div class="elig-text"><h4>Regular Income</h4><p>Stable income from employment, self-employment, or benefits.</p></div></div>
          <div class="elig-card"><div class="elig-icon"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="2.5"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"/></svg></div><div class="elig-text"><h4>Good Credit History</h4><p>Satisfactory credit score. We assess each application individually.</p></div></div>
          <div class="elig-card"><div class="elig-icon"><svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="white" stroke-width="2.5"><path d="M14 2H6a2 2 0 00-2 2v16a2 2 0 002 2h12a2 2 0 002-2V8z"/><polyline points="14 2 14 8 20 8"/></svg></div><div class="elig-text"><h4>ID &amp; Bank Statements</h4><p>Photo ID and last 3 months of bank statements.</p></div></div>
        </div>
        <div class="feature-list">
          <div class="feature-item"><div class="feature-check"><svg width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="3"><polyline points="20 6 9 17 4 12"/></svg></div><span>Loan amounts upto $90K</span></div>
          <div class="feature-item"><div class="feature-check"><svg width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="3"><polyline points="20 6 9 17 4 12"/></svg></div><span>Flexible interest rates for the life of the loan</span></div>
          <div class="feature-item"><div class="feature-check"><svg width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="3"><polyline points="20 6 9 17 4 12"/></svg></div><span>Repayment terms till 84 months</span></div>
          <div class="feature-item"><div class="feature-check"><svg width="12" height="12" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="3"><polyline points="20 6 9 17 4 12"/></svg></div><span>No upfront application fees</span></div>
        </div>
      </div>

      <!-- Right: calculator -->
      <div data-aos="fade-left">
        <div class="calc-wrap" data-rate="10.9">
          <div class="calc-header"><h3>Personal Loan Calculator</h3><p>Estimate your repayments</p></div>
          <div class="calc-body">
            <div class="slider-group">
              <div class="slider-header"><span class="slider-label">Loan Amount</span><span class="slider-val" id="calcAmtDisplay">$15,000</span></div>
              <input type="range" class="range-slider" id="calcAmt" min="5000" max="90000" step="1000" value="15000">
              <div class="slider-range-labels"><span>$5K</span><span>$90K</span></div>
            </div>
            <div class="slider-group">
              <div class="slider-header"><span class="slider-label">Loan Term</span><span class="slider-val" id="calcTermDisplay">36 months</span></div>
              <input type="range" class="range-slider" id="calcTerm" min="12" max="84" step="6" value="36">
              <div class="slider-range-labels"><span>12 mo</span><span>84 mo</span></div>
              <div class="term-presets">
                <button class="term-preset" data-months="12">1 yr</button>
                <button class="term-preset" data-months="24">2 yrs</button>
                <button class="term-preset active" data-months="36">3 yrs</button>
                <button class="term-preset" data-months="60">5 yrs</button>
                <button class="term-preset" data-months="84">7 yrs</button>
              </div>
            </div>
            <div class="slider-group">
  <div class="slider-header">
    <span class="slider-label">Interest Rate</span>
    <span class="slider-val" id="calcRateDisplay">10.9%</span>
  </div>

  <input type="range"
         class="range-slider"
         id="calcRate"
         min="8.34"
         max="29.99"
         step="0.01"
         value="10.9">

  <div class="slider-range-labels">
    <span>8.34%</span>
    <span>29.99%</span>
  </div>
</div>
            <div class="calc-result">
              <div class="calc-result-label">Estimated Monthly Repayment</div>
              <div class="calc-result-amount" id="calcPayment">$0</div>
              <div style="color:#FFF">“Indicative interest rates”</div>
              <!--<div class="calc-result-freq">per month · 10.9% p.a. representative rate</div>-->
              <div class="calc-stats">
                <div><div class="calc-stat-label">Total Repayable</div><div class="calc-stat-val" id="calcTotal">—</div></div>
                <div><div class="calc-stat-label">Total Interest</div><div class="calc-stat-val accent" id="calcInterest">—</div></div>
              </div>
              <!--<div class="calc-disclaimer">Indicative only. Subject to credit assessment. Comparison rate 12.5% p.a.*</div>-->
              <div class="calc-cta"><a href="{{ url_for('apply') }}?type=personal">Apply for This Loan</a></div>
            </div>
          </div>
        </div>
      </div>
    </div>
  </div>
</section>

<section class="cta-strip">
  <div class="container" data-aos="fade-up">
    <h2>Apply for a Personal Loan Today</h2>
    <p>No upfront fees. Funds deposited directly to your account.</p>
    <div class="cta-strip-btns">
      <a href="{{ url_for('apply') }}?type=personal" class="btn btn-white btn-lg">Apply Now — Free</a>
      <a href="tel:0290717960" class="btn btn-outline-white btn-lg">Call 02 9071 7960</a>
    </div>
  </div>
</section>
{% endblock %}