/* MK Loans - Basic HTML & CSS Website
   Edit brand colors here for quick customization. */
:root {
  --navy: #12315f;
  --navy-dark: #0a1e3d;
  --gold: #d9a441;
  --gold-soft: #fff4d8;
  --green: #118557;
  --ink: #132238;
  --muted: #607086;
  --line: #e4e9f0;
  --bg: #f7f4ef;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(18, 49, 95, 0.12);
  --radius: 18px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Arial, Helvetica, sans-serif; color: var(--ink); background: var(--bg); line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
.container { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: white; padding: 8px 12px; z-index: 99; }
.skip-link:focus { left: 8px; }
.topbar { background: var(--navy-dark); color: #eaf1ff; font-size: 14px; }
.topbar .container { display: flex; justify-content: space-between; gap: 14px; padding: 8px 0; flex-wrap: wrap; }
.header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,0.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(8px); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 14px 0; }
.logo { display: flex; align-items: center; gap: 10px; font-weight: 800; color: var(--navy); }
.logo-mark { display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; background: var(--navy); color: white; }
.logo small { display: block; color: var(--muted); font-weight: 600; font-size: 12px; }
.nav { display: flex; gap: 4px; align-items: center; flex-wrap: wrap; }
.nav a { padding: 9px 11px; border-radius: 999px; color: var(--muted); font-weight: 700; font-size: 14px; }
.nav a:hover, .nav a.active { background: var(--gold-soft); color: var(--navy); }
.header-actions { display: flex; gap: 10px; align-items: center; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 44px; padding: 11px 18px; border-radius: 999px; border: 1px solid transparent; font-weight: 800; cursor: pointer; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.btn:hover { transform: translateY(-2px); box-shadow: 0 12px 24px rgba(18,49,95,.14); }
.btn-primary { background: var(--navy); color: white; }
.btn-secondary { background: var(--gold); color: var(--navy-dark); }
.btn-outline { background: white; border-color: var(--line); color: var(--navy); }
.btn-whatsapp { background: #1faf67; color: white; }
.hero { position: relative; padding: 78px 0; overflow: hidden; background: radial-gradient(circle at 10% 10%, rgba(217,164,65,.22), transparent 30%), radial-gradient(circle at 90% 20%, rgba(18,49,95,.16), transparent 32%), var(--bg); }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 42px; align-items: center; }
.eyebrow { display: inline-block; margin: 0 0 14px; padding: 7px 12px; border: 1px solid var(--line); border-radius: 999px; background: white; color: var(--muted); font-weight: 800; font-size: 13px; }
h1, h2, h3 { color: var(--navy-dark); line-height: 1.14; margin: 0 0 14px; }
h1 { font-size: clamp(36px, 6vw, 62px); letter-spacing: -1.5px; }
h2 { font-size: clamp(28px, 4vw, 42px); letter-spacing: -.8px; }
h3 { font-size: 22px; }
p { margin: 0 0 16px; }
.lead { font-size: 19px; color: var(--muted); max-width: 680px; }
.hero-actions, .actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 24px; }
.hero-card { background: white; border: 1px solid var(--line); border-radius: 28px; overflow: hidden; box-shadow: var(--shadow); }
.hero-card img { width: 100%; aspect-ratio: 4/3; object-fit: cover; }
.rate-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; padding: 18px; }
.rate-box { border-radius: 16px; padding: 16px; background: #f3f7fb; }
.rate-box strong { display: block; color: var(--navy); font-size: 24px; }
.rate-box.gold { background: var(--navy); color: white; }
.rate-box.gold strong { color: white; }
.section { padding: 70px 0; }
.section.alt { background: white; }
.section-head { max-width: 760px; margin-bottom: 32px; }
.grid { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card { background: white; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: 0 6px 20px rgba(18,49,95,.06); }
.card:hover { box-shadow: var(--shadow); }
.icon { display: inline-grid; place-items: center; width: 48px; height: 48px; border-radius: 14px; background: var(--gold-soft); color: var(--navy); font-size: 24px; margin-bottom: 14px; }
.muted { color: var(--muted); }
.badge { display: inline-block; padding: 6px 10px; border-radius: 999px; background: var(--gold-soft); color: var(--navy); font-weight: 800; font-size: 13px; }
.list { padding-left: 0; margin: 0; list-style: none; }
.list li { padding: 9px 0 9px 28px; position: relative; border-bottom: 1px solid #edf1f6; }
.list li:before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 900; }
.steps { counter-reset: step; }
.steps .card:before { counter-increment: step; content: counter(step); display: grid; place-items: center; width: 40px; height: 40px; border-radius: 999px; background: var(--navy); color: white; font-weight: 900; margin-bottom: 14px; }
.cta-band { background: linear-gradient(135deg, var(--navy), var(--navy-dark)); color: white; border-radius: 28px; padding: 38px; display: grid; grid-template-columns: 1fr auto; gap: 22px; align-items: center; }
.cta-band h2, .cta-band p { color: white; }
.form { display: grid; gap: 14px; }
.form.two-col { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.form label { display: grid; gap: 7px; font-weight: 800; font-size: 14px; color: var(--navy-dark); }
.form input, .form select, .form textarea { width: 100%; border: 1px solid var(--line); border-radius: 12px; padding: 13px 14px; font: inherit; background: #fff; color: var(--ink); }
.form textarea { min-height: 110px; resize: vertical; }
.full { grid-column: 1 / -1; }
.note { font-size: 13px; color: var(--muted); }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: white; }
table { width: 100%; border-collapse: collapse; min-width: 620px; }
th, td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; }
th { background: #f2f6fb; color: var(--navy); }
.faq details { background: white; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; }
.faq details + details { margin-top: 14px; }
.faq summary { cursor: pointer; font-weight: 900; color: var(--navy-dark); }
.faq p { margin-top: 12px; color: var(--muted); }
.footer { background: var(--navy-dark); color: #dce7f8; padding: 52px 0 100px; }
.footer h3 { color: white; }
.footer a { color: #dce7f8; }
.footer a:hover { color: var(--gold); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr; gap: 28px; }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer li { margin-bottom: 10px; }
.float-actions { position: fixed; right: 18px; bottom: 18px; z-index: 30; display: flex; flex-direction: column; gap: 10px; }
.mobile-cta { display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 29; background: white; border-top: 1px solid var(--line); padding: 10px 14px; gap: 10px; }
.mobile-cta .btn { flex: 1; padding: 10px 12px; font-size: 14px; }
.service-hero { padding: 56px 0; background: linear-gradient(135deg, rgba(18,49,95,.08), rgba(217,164,65,.14)); }
.service-grid { display: grid; grid-template-columns: 1fr 360px; gap: 28px; align-items: start; }
.snapshot .row { display: flex; justify-content: space-between; gap: 18px; padding: 13px 0; border-bottom: 1px solid var(--line); }
.snapshot .row strong { color: var(--navy); text-align: right; }
@media (max-width: 980px) { .header-inner { align-items: flex-start; flex-direction: column; } .nav { width: 100%; } .hero-grid, .service-grid, .grid-2, .grid-3, .grid-4, .footer-grid { grid-template-columns: 1fr; } .cta-band { grid-template-columns: 1fr; } .form.two-col { grid-template-columns: 1fr; } .float-actions { display: none; } .mobile-cta { display: flex; } .footer { padding-bottom: 92px; } }
@media (max-width: 620px) { .topbar .container, .header-actions { display: none; } .hero { padding: 46px 0; } .section { padding: 48px 0; } .nav a { font-size: 13px; padding: 7px 9px; } .rate-row { grid-template-columns: 1fr; } .card, .cta-band { padding: 20px; } }