/* KWIK LOAN FINANCE — kwiklf.rw
   Layout: navy header + hero with the repayment calculator as the first thing visitors use;
   paper-grey sections below. Left aligned. Gold is used as a fill with navy text, never as small text on light. */
@font-face{font-family:"Bricolage Grotesque";src:url("../fonts/bricolage-grotesque-latin-wght-normal.woff2") format("woff2");font-weight:200 800;font-display:swap}
@font-face{font-family:"Public Sans";src:url("../fonts/public-sans-latin-wght-normal.woff2") format("woff2");font-weight:100 900;font-display:swap}

:root{
  --navy-950:#0A1826;
  --navy-900:#0E2235;
  --navy-700:#1A3A57;
  --gold:#D1AC36;
  --gold-soft:#E8CB6E;
  --gold-deep:#8A6D12;
  --paper:#F2F5F9;
  --white:#FFFFFF;
  --ink:#0E2235;
  --muted:#52647A;
  --line:#D5DDE7;
  --on-navy:#E9EEF5;
  --on-navy-muted:#A8B6C7;
  --font-display:"Bricolage Grotesque","Segoe UI",system-ui,sans-serif;
  --font-body:"Public Sans","Segoe UI",system-ui,-apple-system,sans-serif;
  --gutter:clamp(16px,4vw,40px);
  --maxw:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--font-body);font-size:1.0625rem;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--font-display);line-height:1.1;margin:0;text-wrap:balance;letter-spacing:-.015em}
p{margin:0}
.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--navy-950);padding:10px 14px;border-radius:6px;z-index:100;font-weight:600}
.skip:focus{left:8px}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy-950);color:var(--on-navy);border-bottom:1px solid rgba(209,172,54,.28)}
.bar{display:flex;align-items:center;gap:20px;min-height:68px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.brand img{width:42px;height:42px;border-radius:10px}
.brand b{font-family:var(--font-display);font-size:1.15rem;font-weight:700;letter-spacing:.01em;line-height:1}
.brand span{display:block;font-size:.72rem;font-weight:500;color:var(--gold-soft);letter-spacing:.14em;margin-top:4px}
.nav{margin-left:auto;display:flex;align-items:center;gap:6px}
.nav a{color:var(--on-navy);text-decoration:none;padding:10px 12px;border-radius:8px;font-weight:500;font-size:.97rem}
.nav a:hover{background:rgba(255,255,255,.08)}
.lang{display:inline-flex;border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:3px;margin-left:8px}
.lang button{font:inherit;font-size:.85rem;font-weight:600;border:0;background:transparent;color:var(--on-navy);padding:5px 12px;border-radius:999px;cursor:pointer;min-height:32px}
.lang button[aria-pressed="true"]{background:var(--gold);color:var(--navy-950)}
.menu-btn{display:none;margin-left:auto;font:inherit;font-weight:600;background:transparent;border:1px solid rgba(255,255,255,.35);color:#fff;border-radius:8px;padding:8px 14px;cursor:pointer}
@media (max-width:860px){
  .menu-btn{display:inline-block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy-950);flex-direction:column;align-items:stretch;padding:12px var(--gutter) 18px;border-bottom:1px solid rgba(209,172,54,.28);gap:2px}
  .nav.open{display:flex}
  .nav a{padding:13px 10px}
  .lang{margin:10px 0 0;align-self:flex-start}
}

/* ---------- hero ---------- */
.hero{background:var(--navy-900);color:var(--on-navy);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:-20% -10% auto auto;width:640px;height:640px;background:radial-gradient(closest-side,rgba(209,172,54,.16),transparent);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(28px,5vw,64px);align-items:start;padding-block:clamp(40px,7vw,84px)}
.hero h1{font-size:clamp(2.1rem,5.2vw,3.7rem);font-weight:700;color:#fff;max-width:14ch}
.hero .lede{margin-top:20px;font-size:1.15rem;color:var(--on-navy-muted);max-width:46ch}
.hero-actions{margin-top:30px;display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border-radius:10px;font-weight:600;text-decoration:none;font-size:1rem;border:2px solid transparent;cursor:pointer;font-family:var(--font-body)}
.btn-gold{background:var(--gold);color:var(--navy-950)}
.btn-gold:hover{background:var(--gold-soft)}
.btn-line{border-color:rgba(255,255,255,.4);color:#fff}
.btn-line:hover{background:rgba(255,255,255,.08)}
.hero-facts{margin:34px 0 0;padding:0;list-style:none;display:grid;gap:10px;color:var(--on-navy);font-size:1rem}
.hero-facts li{padding-left:22px;position:relative}
.hero-facts li::before{content:"";position:absolute;left:0;top:.62em;width:10px;height:10px;border-radius:2px;background:var(--gold)}
@media (max-width:900px){.hero .wrap{grid-template-columns:minmax(0,1fr)}.hero h1{max-width:18ch}}

/* ---------- calculator ---------- */
.calc{background:var(--white);color:var(--ink);border-radius:18px;padding:clamp(20px,3vw,30px);box-shadow:0 24px 60px rgba(0,0,0,.35)}
.calc h2{font-size:1.35rem;margin-bottom:18px}
.field{display:grid;gap:8px;margin-bottom:18px}
.field label,.field .lbl{font-weight:600;font-size:.95rem}
.field input[type=number],.field select{font:inherit;font-size:1.1rem;font-variant-numeric:tabular-nums;border:1.5px solid var(--line);border-radius:10px;padding:11px 14px;min-height:48px;background:#fff;color:var(--ink);width:100%}
.field input[type=range]{width:100%;accent-color:var(--navy-700);height:28px}
.field .hint{font-size:.85rem;color:var(--muted)}
.result{border-top:1px solid var(--line);padding-top:18px}
.pay{background:var(--navy-900);color:#fff;border-radius:12px;padding:16px 18px;display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:6px 16px}
.pay .k{font-size:.95rem;color:var(--on-navy-muted)}
.pay .v{font-family:var(--font-display);font-weight:700;font-size:clamp(1.7rem,4vw,2.3rem);color:var(--gold);font-variant-numeric:tabular-nums;line-height:1.1}
.pay .v small{font-size:.5em;color:var(--on-navy-muted);font-weight:600;margin-left:4px}
.split{display:flex;height:14px;border-radius:7px;overflow:hidden;margin:18px 0 10px;background:var(--line)}
.split i{display:block;height:100%}
.split .p{background:var(--navy-700)}.split .i{background:var(--gold)}.split .f{background:#7B8EA5}
.legend{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.85rem;color:var(--muted);margin-bottom:12px}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:6px;background:currentColor}
.legend .p::before{background:var(--navy-700)}.legend .i::before{background:var(--gold)}.legend .f::before{background:#7B8EA5}
.rows{margin:0;display:grid;gap:0}
.rows div{display:flex;justify-content:space-between;gap:16px;padding:9px 0;border-bottom:1px solid var(--line);font-size:.97rem}
.rows dt{color:var(--muted)}
.rows dd{margin:0;font-weight:600;font-variant-numeric:tabular-nums;text-align:right;white-space:nowrap}
.rows div.total dt{color:var(--ink);font-weight:600}
.calc .note{margin-top:14px;font-size:.85rem;color:var(--muted)}

/* ---------- sections ---------- */
section.block{padding-block:clamp(48px,7vw,88px)}
.block h2{font-size:clamp(1.7rem,3.6vw,2.5rem);font-weight:700;max-width:22ch}
.block .intro{margin-top:14px;color:var(--muted);max-width:60ch}
.block.alt{background:var(--white)}
.block.dark{background:var(--navy-900);color:var(--on-navy)}
.block.dark h2{color:#fff}
.block.dark .intro{color:var(--on-navy-muted)}

/* loans: a price-list style, grouped, not a card grid */
.terms{margin-top:28px;border-left:4px solid var(--gold);background:var(--white);padding:16px 20px;border-radius:0 10px 10px 0;max-width:80ch;font-weight:500}
.terms span{display:block;color:var(--muted);font-weight:400;font-size:.95rem;margin-top:4px}
.groups{margin-top:36px;display:grid;gap:34px}
.group h3{font-size:1.15rem;color:var(--navy-700);padding-bottom:10px;border-bottom:2px solid var(--ink)}
.group dl{margin:0}
.group .item{display:grid;grid-template-columns:minmax(0,15rem) minmax(0,1fr);gap:4px 28px;padding:14px 0;border-bottom:1px solid var(--line)}
.group dt{font-weight:700;font-family:var(--font-display);font-size:1.08rem}
.group dd{margin:0;color:var(--muted);max-width:62ch}
@media (max-width:700px){.group .item{grid-template-columns:minmax(0,1fr)}}

/* late payment timeline */
.timeline{margin-top:34px;display:grid;grid-template-columns:minmax(0,2.2fr) minmax(0,3fr) minmax(0,4fr);gap:0;max-width:900px;border-radius:12px;overflow:hidden;font-size:.95rem}
.timeline div{padding:16px 16px 18px}
.timeline b{display:block;font-family:var(--font-display);font-size:1.05rem;margin-bottom:2px}
.t-due{background:var(--navy-700);color:#fff}
.t-grace{background:rgba(255,255,255,.1);color:var(--on-navy)}
.t-fine{background:var(--gold);color:var(--navy-950)}
.example{margin-top:26px;max-width:70ch;padding:18px 20px;border:1px solid rgba(255,255,255,.22);border-radius:12px}
.example b{color:var(--gold-soft)}
.late-notes{margin:26px 0 0;padding:0;list-style:none;display:grid;gap:8px;max-width:70ch}
.late-notes li{padding-left:22px;position:relative;color:var(--on-navy)}
.late-notes li::before{content:"";position:absolute;left:0;top:.7em;width:10px;height:3px;background:var(--gold)}
@media (max-width:640px){.timeline{grid-template-columns:minmax(0,1fr)}}

/* apply: a true sequence, so numbered */
.steps{margin:34px 0 0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px;counter-reset:s}
.steps li{counter-increment:s;border-top:3px solid var(--ink);padding-top:16px}
.steps li::before{content:counter(s);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy-900);color:var(--gold);font-family:var(--font-display);font-weight:700;margin-bottom:10px}
.steps h3{font-size:1.15rem;margin-bottom:6px}
.steps p{color:var(--muted);font-size:.98rem}
@media (max-width:980px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.steps{grid-template-columns:minmax(0,1fr)}}
.docs-note{margin-top:30px;max-width:70ch;padding:16px 20px;background:var(--paper);border-radius:10px}

/* about + contact */
.two{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(28px,5vw,64px)}
@media (max-width:820px){.two{grid-template-columns:minmax(0,1fr)}}
.facts{margin:22px 0 0;display:grid;gap:0}
.facts div{display:flex;justify-content:space-between;gap:20px;padding:11px 0;border-bottom:1px solid var(--line)}
.facts dt{color:var(--muted)}.facts dd{margin:0;font-weight:600;text-align:right}
.contact-list{margin:22px 0 0;display:grid;gap:16px}
.contact-list dt{font-weight:600;color:var(--muted);font-size:.92rem}
.contact-list dd{margin:2px 0 0;font-size:1.15rem;font-weight:600;overflow-wrap:anywhere}
.contact-list a{text-decoration-color:var(--gold);text-underline-offset:4px;text-decoration-thickness:2px}

/* footer */
.site-footer{background:var(--navy-950);color:var(--on-navy-muted);padding-block:34px;font-size:.93rem}
.site-footer .wrap{display:flex;flex-wrap:wrap;gap:14px 40px;justify-content:space-between;align-items:center}
.site-footer a{color:var(--on-navy)}
.site-footer .f-brand{display:flex;align-items:center;gap:12px;color:#fff;font-family:var(--font-display);font-weight:700}
.site-footer .f-brand img{width:34px;height:34px;border-radius:8px}

/* simple pages (privacy) */
.doc{padding-block:clamp(40px,6vw,72px)}
.doc h1{font-size:clamp(1.9rem,4vw,2.8rem);margin-bottom:24px}
.doc h2{font-size:1.35rem;margin:34px 0 10px}
.doc p,.doc li{max-width:68ch;color:#243749}
.doc ul{padding-left:20px;display:grid;gap:6px}