/* ============================================================
   LOAN KART FINANCIAL SERVICES — design tokens
   Concept: the loan ledger / bank passbook. Ruled lines, an
   ink stamp seal, and mono figures carry the brand voice.
   ============================================================ */

:root{
  --maroon: #6E1F24;
  --maroon-dark: #531619;
  --navy: #1C2A3A;
  --paper: #F4EFE3;
  --paper-dark: #EAE1CB;
  --gold: #A9812F;
  --gold-light: #C9A85B;
  --charcoal: #2A2622;
  --stamp: #A6332A;
  --line: rgba(42, 38, 34, 0.18);
  --line-strong: rgba(42, 38, 34, 0.32);

  --font-display: 'Fraunces', 'Georgia', serif;
  --font-body: 'IBM Plex Sans', 'Segoe UI', sans-serif;
  --font-mono: 'IBM Plex Mono', 'Courier New', monospace;
}

*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }

body{
  margin: 0;
  background: var(--paper);
  color: var(--charcoal);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a{ color: inherit; text-decoration: none; }

img{ max-width: 100%; display: block; }

.wrap{
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 28px;
}

/* -------------------- ledger rule texture -------------------- */
.ruled{
  background-image: repeating-linear-gradient(
    to bottom,
    transparent 0,
    transparent 43px,
    var(--line) 43px,
    var(--line) 44px
  );
}

/* -------------------- header / nav -------------------- */
header.site-head{
  position: sticky;
  top: 0;
  z-index: 40;
  background: var(--paper);
  border-bottom: 1px solid var(--line-strong);
}

.head-inner{
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 28px;
  max-width: 1120px;
  margin: 0 auto;
}

.brand{
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.brand .brand-name{
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.5rem;
  color: var(--maroon-dark);
  letter-spacing: 0.01em;
}
.brand .brand-sub{
  font-family: var(--font-mono);
  font-size: 0.62rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 4px;
}

nav.primary-nav{
  display: flex;
  align-items: center;
  gap: 30px;
}
nav.primary-nav a{
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--navy);
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
  transition: border-color 0.2s ease, color 0.2s ease;
}
nav.primary-nav a:hover,
nav.primary-nav a.active{
  border-bottom-color: var(--maroon);
  color: var(--maroon-dark);
}
nav.primary-nav a:focus-visible,
a:focus-visible,
button:focus-visible{
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}

.call-btn{
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  background: var(--maroon);
  color: var(--paper) !important;
  padding: 10px 18px;
  border-radius: 2px;
  white-space: nowrap;
  transition: background 0.2s ease;
}
.call-btn:hover{ background: var(--maroon-dark); }

.nav-toggle{
  display: none;
  background: none;
  border: 1px solid var(--line-strong);
  font-size: 1.1rem;
  padding: 8px 12px;
  cursor: pointer;
  color: var(--navy);
}

@media (max-width: 780px){
  nav.primary-nav{
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line-strong);
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
    padding: 22px 28px;
    display: none;
  }
  nav.primary-nav.open{ display: flex; }
  .nav-toggle{ display: inline-flex; }
}

/* -------------------- stamp seal (signature element) -------------------- */
.stamp{
  --size: 148px;
  width: var(--size);
  height: var(--size);
  border: 2.5px solid var(--stamp);
  border-radius: 50%;
  color: var(--stamp);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  font-family: var(--font-mono);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.62rem;
  line-height: 1.5;
  transform: rotate(-9deg);
  position: relative;
  flex: none;
  opacity: 0.92;
  mix-blend-mode: multiply;
}
.stamp::before{
  content: "";
  position: absolute;
  inset: 10px;
  border: 1px solid var(--stamp);
  border-radius: 50%;
}
.stamp span{ padding: 0 18px; }

@media (prefers-reduced-motion: no-preference){
  .stamp{ animation: stamp-in 0.5s ease-out 0.15s both; }
}
@keyframes stamp-in{
  from{ opacity: 0; transform: rotate(-9deg) scale(1.5); }
  to{ opacity: 0.92; transform: rotate(-9deg) scale(1); }
}

/* -------------------- hero -------------------- */
.hero{
  padding: 72px 0 56px;
  border-bottom: 1px solid var(--line-strong);
}
.hero-grid{
  display: grid;
  grid-template-columns: 1.2fr auto;
  gap: 48px;
  align-items: center;
}
.eyebrow{
  font-family: var(--font-mono);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 14px;
}
h1.display{
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  line-height: 1.06;
  color: var(--navy);
  margin: 0 0 20px;
}
p.lede{
  font-size: 1.08rem;
  max-width: 46ch;
  color: var(--charcoal);
  margin: 0 0 28px;
}
.hero-actions{ display: flex; gap: 16px; flex-wrap: wrap; }

@media (max-width: 780px){
  .hero-grid{ grid-template-columns: 1fr; gap: 32px; }
  .stamp{ --size: 116px; }
}

/* -------------------- buttons -------------------- */
.btn{
  font-family: var(--font-mono);
  font-size: 0.85rem;
  letter-spacing: 0.03em;
  padding: 13px 26px;
  border-radius: 2px;
  display: inline-block;
  border: 1.5px solid var(--navy);
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}
.btn-primary{
  background: var(--maroon);
  border-color: var(--maroon);
  color: var(--paper);
}
.btn-primary:hover{ background: var(--maroon-dark); border-color: var(--maroon-dark); }
.btn-ghost{
  background: transparent;
  color: var(--navy);
}
.btn-ghost:hover{ background: var(--navy); color: var(--paper); }

/* -------------------- ledger rows (entries) -------------------- */
.ledger{
  border-top: 1.5px solid var(--line-strong);
}
.ledger-row{
  display: grid;
  grid-template-columns: 1.4fr 2.4fr 1fr;
  gap: 24px;
  align-items: baseline;
  padding: 26px 0;
  border-bottom: 1.5px solid var(--line-strong);
}
.ledger-row .entry-label{
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}
.ledger-row h3{
  font-family: var(--font-display);
  font-size: 1.3rem;
  margin: 4px 0 0;
  color: var(--navy);
}
.ledger-row p{ margin: 8px 0 0; color: var(--charcoal); font-size: 0.96rem; }
.ledger-row .entry-note{
  font-family: var(--font-mono);
  font-size: 0.8rem;
  color: var(--maroon-dark);
  text-align: right;
  align-self: start;
}

@media (max-width: 780px){
  .ledger-row{ grid-template-columns: 1fr; gap: 8px; }
  .ledger-row .entry-note{ text-align: left; }
}

/* -------------------- section shells -------------------- */
section{ padding: 64px 0; }
section.alt{ background: var(--paper-dark); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
h2.section-title{
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3.2vw, 2.3rem);
  color: var(--navy);
  margin: 0 0 8px;
}
p.section-sub{ color: var(--charcoal); max-width: 60ch; margin: 0 0 40px; }

/* -------------------- trust strip -------------------- */
.trust-strip{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1.5px solid var(--line-strong);
  border-bottom: 1.5px solid var(--line-strong);
}
.trust-item{
  padding: 24px 20px;
  border-right: 1px solid var(--line);
  font-family: var(--font-mono);
  font-size: 0.82rem;
  color: var(--navy);
}
.trust-item:last-child{ border-right: none; }
.trust-item .tick{ color: var(--gold); margin-right: 8px; }

@media (max-width: 780px){
  .trust-strip{ grid-template-columns: 1fr 1fr; }
  .trust-item{ border-bottom: 1px solid var(--line); }
}

/* -------------------- steps (process, genuinely sequential) -------------------- */
.steps{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.step{
  border-top: 3px solid var(--maroon);
  padding-top: 16px;
}
.step .num{
  font-family: var(--font-mono);
  color: var(--gold);
  font-size: 0.85rem;
}
.step h3{
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--navy);
  margin: 6px 0 8px;
}
.step p{ font-size: 0.92rem; margin: 0; }

@media (max-width: 780px){
  .steps{ grid-template-columns: 1fr 1fr; }
}

/* -------------------- cards -------------------- */
.card-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.card{
  background: var(--paper);
  border: 1px solid var(--line-strong);
  padding: 28px;
}
.card .entry-label{
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}
.card h3{
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--navy);
  margin: 8px 0 12px;
}
.card ul{ padding-left: 18px; margin: 14px 0 0; font-size: 0.9rem; }
.card li{ margin-bottom: 6px; }

@media (max-width: 900px){
  .card-grid{ grid-template-columns: 1fr; }
}

/* -------------------- CTA band -------------------- */
.cta-band{
  background: var(--navy);
  color: var(--paper);
  padding: 56px 0;
  text-align: center;
}
.cta-band h2{
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3.4vw, 2.2rem);
  margin: 0 0 12px;
}
.cta-band p{ color: var(--paper-dark); margin: 0 0 28px; }
.cta-band .btn-primary{ background: var(--gold); border-color: var(--gold); color: var(--navy); }
.cta-band .btn-primary:hover{ background: var(--gold-light); border-color: var(--gold-light); }

/* -------------------- footer -------------------- */
footer.site-foot{
  border-top: 1.5px solid var(--line-strong);
  padding: 48px 0 32px;
  font-size: 0.9rem;
}
.foot-grid{
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 32px;
}
.foot-grid h4{
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 14px;
}
.foot-grid p, .foot-grid a{ display: block; margin-bottom: 8px; color: var(--charcoal); }
.foot-grid a:hover{ color: var(--maroon); }
.disclaimer{
  border-top: 1px solid var(--line);
  padding-top: 20px;
  font-size: 0.78rem;
  color: rgba(42,38,34,0.7);
  line-height: 1.6;
}

@media (max-width: 780px){
  .foot-grid{ grid-template-columns: 1fr; gap: 24px; }
}

/* -------------------- forms -------------------- */
form.ledger-form{
  border-top: 1.5px solid var(--line-strong);
  padding-top: 30px;
}
.form-row{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
  margin-bottom: 22px;
}
.field{ display: flex; flex-direction: column; }
.field.full{ grid-column: 1 / -1; }
.field label{
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 8px;
}
.field input,
.field select,
.field textarea{
  font-family: var(--font-body);
  font-size: 1rem;
  padding: 12px 4px;
  border: none;
  border-bottom: 1.5px solid var(--line-strong);
  background: transparent;
  color: var(--charcoal);
}
.field input:focus,
.field select:focus,
.field textarea:focus{
  outline: none;
  border-bottom-color: var(--maroon);
}
.field textarea{ resize: vertical; min-height: 90px; }
.form-note{
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: rgba(42,38,34,0.65);
  margin-top: 16px;
}

@media (max-width: 780px){
  .form-row{ grid-template-columns: 1fr; }
}

/* -------------------- contact info blocks -------------------- */
.contact-info{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}
.contact-info .block{
  border-left: 3px solid var(--gold);
  padding-left: 18px;
}
.contact-info .entry-label{
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 8px;
}
.contact-info a, .contact-info p{ font-size: 1rem; color: var(--navy); margin: 0; }

@media (max-width: 780px){
  .contact-info{ grid-template-columns: 1fr; }
}