/* KS Quickloans - White theme */
:root{
  --brand-blue:#1d4ed8;
  --brand-blue-dark:#1e3a8a;
  --brand-gold:#d4a017;
  --brand-gold-dark:#b8860b;
  --text:#1a1a1a;
  --muted:#555;
  --bg:#ffffff;
  --soft:#f6f8fb;
  --border:#e5e7eb;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.6}
a{color:var(--brand-blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50}
.nav{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:14px 20px;flex-wrap:wrap;gap:10px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;color:var(--brand-blue-dark)}
.brand .dot{width:34px;height:34px;border-radius:8px;background:linear-gradient(135deg,var(--brand-blue),var(--brand-gold));display:inline-block}
.nav ul{list-style:none;display:flex;gap:6px;margin:0;padding:0;flex-wrap:wrap}
.nav ul a{display:inline-block;padding:8px 14px;border-radius:6px;color:var(--text);font-weight:500}
.nav ul a:hover{background:var(--soft);text-decoration:none}
.nav ul a.active{background:var(--brand-blue);color:#fff}

/* Hero */
.hero{position:relative;min-height:520px;display:flex;align-items:center;color:#fff;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:url('hero-office.jpg') center/cover no-repeat}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(30,58,138,.85),rgba(0,0,0,.55))}
.hero .inner{position:relative;z-index:2;max-width:1200px;margin:0 auto;padding:80px 20px;width:100%}
.hero h1{font-size:clamp(32px,5vw,52px);margin:0 0 16px;line-height:1.15;font-weight:800}
.hero p.lead{font-size:18px;max-width:680px;margin:0 0 24px;opacity:.95}
.badge{display:inline-block;background:var(--brand-gold);color:#1a1a1a;font-weight:700;padding:6px 14px;border-radius:999px;font-size:13px;letter-spacing:.5px;text-transform:uppercase;margin-bottom:18px}

/* Buttons */
.btn{display:inline-block;padding:12px 22px;border-radius:8px;font-weight:700;border:none;cursor:pointer;font-size:15px;transition:transform .15s,box-shadow .15s}
.btn-gold{background:linear-gradient(135deg,var(--brand-gold),#f0c14b);color:#1a1a1a}
.btn-gold:hover{transform:translateY(-1px);box-shadow:0 8px 20px -8px rgba(212,160,23,.6);text-decoration:none}
.btn-blue{background:var(--brand-blue);color:#fff}
.btn-blue:hover{background:var(--brand-blue-dark);text-decoration:none}
.btn-outline{background:transparent;border:2px solid #fff;color:#fff}

/* Sections */
.section{padding:64px 20px}
.container{max-width:1200px;margin:0 auto}
.section h2{font-size:clamp(26px,3.5vw,36px);margin:0 0 12px;color:var(--brand-blue-dark)}
.section .sub{color:var(--muted);max-width:720px;margin:0 0 32px}

/* Tier cards */
.tiers{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.tier{border:1px solid var(--border);border-radius:12px;padding:28px;background:#fff;box-shadow:0 2px 6px rgba(0,0,0,.04);transition:transform .2s,box-shadow .2s}
.tier:hover{transform:translateY(-3px);box-shadow:0 12px 30px -10px rgba(30,58,138,.2)}
.tier .amt{font-size:28px;font-weight:800;color:var(--brand-blue-dark);margin-bottom:6px}
.tier .cap{display:inline-block;background:var(--brand-gold);color:#1a1a1a;font-weight:700;padding:4px 10px;border-radius:6px;font-size:13px;margin-bottom:12px}
.tier ul{padding-left:18px;color:var(--muted);margin:8px 0 0}

/* Form */
.form-wrap{background:var(--soft);border:1px solid var(--border);border-radius:12px;padding:32px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-grid .full{grid-column:1/-1}
@media (max-width:640px){.form-grid{grid-template-columns:1fr}}
label{display:block;font-weight:600;margin-bottom:6px;font-size:14px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid var(--border);border-radius:8px;font-size:15px;background:#fff;font-family:inherit}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--brand-blue);box-shadow:0 0 0 3px rgba(29,78,216,.15)}
textarea{min-height:110px;resize:vertical}
.alert{padding:14px 16px;border-radius:8px;margin-bottom:20px;font-weight:500}
.alert-success{background:#ecfdf5;color:#065f46;border:1px solid #a7f3d0}
.alert-error{background:#fef2f2;color:#991b1b;border:1px solid #fecaca}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}
@media (max-width:820px){.contact-grid{grid-template-columns:1fr}}
.contact-card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:24px}
.contact-card h3{margin:0 0 8px;color:var(--brand-blue-dark)}
.contact-card .row{padding:10px 0;border-bottom:1px dashed var(--border)}
.contact-card .row:last-child{border-bottom:0}
.contact-card .label{font-size:12px;text-transform:uppercase;color:var(--muted);letter-spacing:.5px}
.map-wrap{border-radius:12px;overflow:hidden;border:1px solid var(--border);min-height:380px}
.map-wrap iframe{width:100%;height:100%;min-height:380px;border:0;display:block}

/* Legal */
.legal{max-width:880px;margin:0 auto}
.legal h2{color:var(--brand-blue-dark)}
.legal h3{color:var(--brand-blue-dark);margin-top:28px}
.legal p,.legal li{color:#333}

/* Footer */
.site-footer{background:#0f172a;color:#cbd5e1;padding:40px 20px;margin-top:40px}
.site-footer .cols{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:30px}
.site-footer h4{color:var(--brand-gold);margin:0 0 12px;font-size:15px;text-transform:uppercase;letter-spacing:.5px}
.site-footer a{color:#cbd5e1}
.site-footer .copyright{max-width:1200px;margin:30px auto 0;padding-top:20px;border-top:1px solid #1e293b;text-align:center;font-size:13px;color:#94a3b8}