/* ============================================================
   AKM Finance — shared stylesheet
   ============================================================ */

:root {
  /* Brand palette — from AKM Finance logo */
  --navy:        #1c2547;
  --navy-800:    #26325c;
  --navy-700:    #33477a;
  --teal:        #55b4c1;
  --green:       #83c69b;
  --green-deep:  #4f9e77;
  /* accent tokens: --gold = accent on light bg, --gold-soft = accent on dark bg */
  --gold:        #2f97a6;
  --gold-soft:   #79cdd8;
  --ink:         #16202e;
  --slate:       #4a5a6e;
  --mist:        #f4f9fa;
  --line:        #e1ecef;
  --white:       #ffffff;

  --shadow-sm: 0 2px 8px rgba(28, 37, 71, .06);
  --shadow-md: 0 12px 30px rgba(28, 37, 71, .10);
  --shadow-lg: 0 24px 60px rgba(28, 37, 71, .16);

  --radius:    16px;
  --radius-sm: 10px;
  --maxw:      1160px;

  --font-body: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --font-head: "Poppins", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

/* ---------- reset ---------- */
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.15; color: var(--navy); font-weight: 600; }

.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 24px; }

.eyebrow {
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: .16em;
  font-size: .74rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 14px;
}
/* lighter accent when the eyebrow sits on a dark background */
.hero .eyebrow, .section--navy .eyebrow, .page-hero .eyebrow { color: var(--gold-soft); }

.section { padding: 92px 0; }
.section--mist { background: var(--mist); }
.section--navy { background: var(--navy); color: #dce6f2; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section-head { max-width: 640px; margin-bottom: 52px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head h2 { font-size: clamp(2rem, 4vw, 2.9rem); }
.section-head p { color: var(--slate); margin-top: 16px; font-size: 1.08rem; }
.section--navy .section-head p { color: #b7c6da; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-body); font-weight: 700; font-size: .98rem;
  padding: 15px 30px; border-radius: 999px; cursor: pointer;
  border: 2px solid transparent; transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn--gold { background: var(--gold); color: #fff; box-shadow: 0 10px 24px rgba(47,151,166,.32); }
.btn--gold:hover { background: #35a7b8; }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-800); }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--navy); }
.btn--light { background: #fff; color: var(--navy); }
.btn--outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.btn--outline-light:hover { border-color: #fff; background: rgba(255,255,255,.08); }

/* ---------- header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.9);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: 12px; }
.brand-logo { width: 46px; height: auto; display: block; }
.brand-text { display: flex; flex-direction: column; line-height: 1.05; font-family: var(--font-head); font-weight: 600; font-size: 1.3rem; color: var(--navy); white-space: nowrap; }
.brand-text small { font-family: var(--font-body); font-weight: 600; font-size: .54rem; letter-spacing: .12em; text-transform: uppercase; color: var(--teal); margin-top: 4px; white-space: nowrap; }
.nav-links { display: flex; align-items: center; gap: 34px; list-style: none; }
.nav-links a { font-weight: 600; font-size: .97rem; color: var(--navy-800); position: relative; padding: 6px 0; }
.nav-links a:hover { color: var(--gold); }
.nav-links a.active { color: var(--gold); }
.nav-links a.active::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 2px; background: var(--gold); border-radius: 2px;
}
.nav-cta { display: flex; align-items: center; gap: 14px; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; border-radius: 2px; transition: .25s; }

/* ---------- hero ---------- */
.hero { position: relative; overflow: hidden; background: linear-gradient(160deg, #1c2547 0%, #26325c 55%, #33477a 100%); color: #fff; }
.hero::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(900px 500px at 85% -10%, rgba(85,180,193,.28), transparent 60%);
  pointer-events: none;
}
.hero-inner { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding-block: 96px 104px; }
.hero h1 { color: #fff; font-size: clamp(2.5rem, 5.2vw, 4rem); letter-spacing: -.01em; }
.hero h1 .accent { color: var(--gold-soft); font-style: italic; }
.hero p.lead { color: #c5d3e6; font-size: 1.18rem; margin: 22px 0 32px; max-width: 520px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-trust { display: flex; gap: 34px; margin-top: 44px; flex-wrap: wrap; }
.hero-trust .stat b { display: block; font-family: var(--font-head); font-size: 1.9rem; color: var(--gold-soft); line-height: 1; }
.hero-trust .stat span { font-size: .86rem; color: #9fb3cc; letter-spacing: .02em; }

.hero-card {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.16);
  border-radius: 20px; padding: 30px; backdrop-filter: blur(6px); box-shadow: var(--shadow-lg);
}
.hero-card h3 { color: #fff; font-size: 1.3rem; margin-bottom: 6px; }
.hero-card p.sub { color: #bcccdf; font-size: .95rem; margin-bottom: 22px; }
.hero-card ul { list-style: none; display: grid; gap: 14px; }
.hero-card li { display: flex; gap: 12px; align-items: flex-start; font-size: .97rem; color: #dbe6f3; }
.hero-card li .tick { flex: none; width: 22px; height: 22px; border-radius: 50%; background: var(--green); color: var(--navy); display: grid; place-items: center; font-size: .7rem; font-weight: 800; margin-top: 2px; }
.hero-card .btn { width: 100%; justify-content: center; margin-top: 26px; }

/* ---------- logo strip ---------- */
.logos { border-bottom: 1px solid var(--line); }
.logos .container { display: flex; align-items: center; justify-content: space-between; gap: 28px; padding-block: 26px; flex-wrap: wrap; }
.logos p { font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; color: var(--slate); font-weight: 700; }
.logos .row { display: flex; gap: 30px; flex-wrap: wrap; align-items: center; }
.logos .row span { font-family: var(--font-head); font-weight: 600; color: #9aa9bc; font-size: 1.15rem; }

/* ---------- lender marquee ---------- */
.lenders { border-bottom: 1px solid var(--line); padding: 34px 0; background: #fff; }
.lenders-title { text-align: center; font-size: .82rem; text-transform: uppercase; letter-spacing: .14em; color: var(--slate); font-weight: 700; margin-bottom: 26px; }
.marquee { overflow: hidden; width: 100%;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); }
.marquee-track { display: flex; align-items: center; gap: 60px; width: max-content; animation: marquee 34s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.lender { flex: none; display: grid; place-items: center; height: 48px; opacity: .92; transition: opacity .25s, transform .25s; }
.lender:hover { opacity: 1; transform: translateY(-2px); }
.lender img { max-height: 42px; width: auto; max-width: 180px; object-fit: contain; display: block; }
.lender svg { height: 34px; width: auto; display: block; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .marquee-track { animation: none; } }

/* ---------- feature / value cards ---------- */
.grid { display: grid; gap: 26px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 32px; box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #d5e0ee; }
.card .ic {
  width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 20px;
  background: linear-gradient(135deg, #eef3fa, #dfe9f6); color: var(--navy);
}
.card .ic svg { width: 26px; height: 26px; }
.card h3 { font-size: 1.28rem; margin-bottom: 10px; }
.card p { color: var(--slate); font-size: .99rem; }
.card .more { display: inline-flex; gap: 7px; align-items: center; margin-top: 18px; color: var(--gold); font-weight: 700; font-size: .92rem; font-family: var(--font-body); }
.card .more:hover { gap: 11px; }

/* value card variant */
.value .ic { background: linear-gradient(135deg, var(--navy), var(--navy-700)); color: var(--gold); }

/* ---------- split about ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.split .imgwrap { position: relative; }
.split .imgwrap img { border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.split .badge {
  position: absolute; bottom: -26px; left: -26px; background: #fff; border-radius: 14px; padding: 20px 24px;
  box-shadow: var(--shadow-md); border: 1px solid var(--line);
}
.split .badge b { font-family: var(--font-head); font-size: 2rem; color: var(--navy); display: block; line-height: 1; }
.split .badge span { font-size: .84rem; color: var(--slate); }
.prose p { color: var(--slate); margin-top: 16px; }
.checklist { list-style: none; margin-top: 24px; display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink); font-weight: 500; }
.checklist li .tick { flex: none; width: 22px; height: 22px; border-radius: 50%; background: rgba(131,198,155,.22); color: var(--green-deep); display: grid; place-items: center; font-size: .68rem; font-weight: 800; margin-top: 3px; }

/* ---------- process steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; counter-reset: step; }
.step { position: relative; padding-top: 8px; }
.step .num {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 18px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); color: var(--gold-soft);
  font-family: var(--font-head); font-size: 1.35rem; font-weight: 700;
}
.step h3 { color: #fff; font-size: 1.2rem; margin-bottom: 8px; }
.step p { color: #b7c6da; font-size: .95rem; }

/* ---------- stats band ---------- */
.stats-band { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stats-band .stat b { font-family: var(--font-head); font-size: clamp(2.2rem, 4vw, 3rem); color: var(--gold-soft); display: block; }
.stats-band .stat span { color: #b7c6da; font-size: .95rem; }

/* ---------- testimonials ---------- */
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow-sm); }
.quote .stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 14px; }
.quote p { font-size: 1.03rem; color: var(--ink); }
.quote .who { display: flex; align-items: center; gap: 12px; margin-top: 22px; }
.quote .who .av { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--navy), var(--navy-700)); color: var(--gold); display: grid; place-items: center; font-weight: 700; font-family: var(--font-head); }
.quote .who b { display: block; color: var(--navy); font-family: var(--font-body); }
.quote .who span { font-size: .86rem; color: var(--slate); }

/* ---------- testimonial carousel ---------- */
.tcarousel { position: relative; }
.tcar-viewport { overflow: hidden; padding: 6px 2px 26px; }
.tcar-track { display: flex; gap: 26px; will-change: transform; }
.tcar-track .quote { flex: 0 0 calc((100% - 52px) / 3); }
@media (max-width: 960px) { .tcar-track .quote { flex: 0 0 calc((100% - 26px) / 2); } }
@media (max-width: 720px) { .tcar-track .quote { flex: 0 0 100%; } }
.tcar-dots { display: flex; justify-content: center; gap: 9px; margin-top: 30px; }
.tcar-dots button { width: 10px; height: 10px; padding: 0; border: 0; border-radius: 999px; background: #cad6e3; cursor: pointer; transition: background .25s, width .25s; }
.tcar-dots button:hover { background: #9db1c6; }
.tcar-dots button.active { width: 28px; background: var(--gold); }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-700) 100%); border-radius: 22px; padding: 56px; text-align: center; color: #fff; position: relative; overflow: hidden; box-shadow: var(--shadow-lg); }
.cta-band::after { content: ""; position: absolute; inset: 0; background: radial-gradient(600px 300px at 80% 120%, rgba(85,180,193,.3), transparent 60%); pointer-events: none; }
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; font-size: clamp(1.9rem, 3.6vw, 2.6rem); }
.cta-band p { color: #c5d3e6; max-width: 560px; margin: 14px auto 28px; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- FAQ accordion ---------- */
.faq-list { max-width: 820px; margin-inline: auto; display: grid; gap: 14px; }
.faq-item { border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff; overflow: hidden; transition: box-shadow .2s, border-color .2s; }
.faq-item.open { box-shadow: var(--shadow-md); border-color: #d5e0ee; }
.faq-q { width: 100%; text-align: left; background: none; border: 0; cursor: pointer; padding: 22px 24px; display: flex; justify-content: space-between; align-items: center; gap: 20px; font-family: var(--font-head); font-size: 1.1rem; font-weight: 600; color: var(--navy); }
.faq-q .plus { flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--mist); display: grid; place-items: center; transition: .25s; color: var(--gold); font-size: 1.2rem; }
.faq-item.open .plus { background: var(--gold); color: var(--navy); transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a p { padding: 0 24px 24px; color: var(--slate); }

/* ---------- page hero (inner pages) ---------- */
.page-hero { background: linear-gradient(160deg, #1c2547, #26325c); color: #fff; padding: 72px 0 78px; position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 400px at 90% -20%, rgba(85,180,193,.24), transparent 60%); pointer-events: none; }
.page-hero .container { position: relative; }
.page-hero h1 { color: #fff; font-size: clamp(2.2rem, 4.6vw, 3.3rem); max-width: 760px; }
.page-hero p { color: #c5d3e6; margin-top: 16px; font-size: 1.12rem; max-width: 620px; }
.crumbs { font-size: .86rem; color: #9fb3cc; margin-bottom: 18px; }
.crumbs a:hover { color: var(--gold-soft); }

/* ---------- contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.info-card { display: flex; gap: 16px; padding: 22px; border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff; margin-bottom: 16px; box-shadow: var(--shadow-sm); }
.info-card .ic { flex: none; width: 46px; height: 46px; border-radius: 12px; background: var(--mist); color: var(--navy); display: grid; place-items: center; }
.info-card h4 { font-family: var(--font-body); font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; color: var(--slate); margin-bottom: 4px; }
.info-card a, .info-card p { color: var(--navy); font-weight: 600; }
.form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow-md); }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: .86rem; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; border: 1px solid var(--line); border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: .97rem; color: var(--ink); background: var(--mist); transition: border-color .2s, background .2s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); background: #fff; }
.field textarea { resize: vertical; min-height: 120px; }
.form .btn { width: 100%; justify-content: center; }
.form-note { font-size: .82rem; color: var(--slate); text-align: center; margin-top: 14px; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy); color: #a8bcd6; padding: 68px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; }
.site-footer .brand { margin-bottom: 16px; }
.site-footer .brand-text { color: #fff; }
.site-footer .brand-text small { color: var(--gold-soft); }
.site-footer p.about { font-size: .95rem; color: #93a8c4; max-width: 300px; }
.footer-col h4 { color: #fff; font-family: var(--font-body); font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 18px; }
.footer-col ul { list-style: none; display: grid; gap: 11px; }
.footer-col a { color: #a8bcd6; font-size: .95rem; }
.footer-col a:hover { color: var(--gold-soft); }
.socials { display: flex; gap: 12px; margin-top: 20px; }
.socials a { width: 38px; height: 38px; border-radius: 10px; background: rgba(255,255,255,.08); display: grid; place-items: center; color: #cddaea; transition: .2s; }
.socials a:hover { background: var(--gold); color: var(--navy); }
.socials svg { width: 18px; height: 18px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 48px; padding-top: 24px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .84rem; color: #7f96b5; }

/* ---------- reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- responsive ---------- */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; padding-block: 64px 72px; }
  .split { grid-template-columns: 1fr; gap: 40px; }
  .split .badge { left: 20px; bottom: -20px; }
  .contact-grid { grid-template-columns: 1fr; gap: 32px; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .stats-band { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 720px) {
  .nav-links, .nav-cta .btn { display: none; }
  .nav-toggle { display: block; }
  .site-header.open .nav-links {
    display: flex; position: absolute; top: 76px; left: 0; right: 0; flex-direction: column;
    background: #fff; padding: 20px 24px; gap: 6px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md);
  }
  .site-header.open .nav-links a { padding: 12px 0; width: 100%; border-bottom: 1px solid var(--line); }
  .section { padding: 64px 0; }
  .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; }
  .cta-band { padding: 40px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-trust { gap: 24px; }
}