/* Makwa Loans — shared stylesheet (non-critical) */
:root{--blue:#2f6fe4;--blue-d:#1e3fae;--blue-bg:#eef4ff;--purple:#7b5cf0;--purple-bg:#f3efff;
--ink:#1d2433;--mut:#5b6475;--line:#e3e7f0;--soft:#f6f8fc;--white:#fff;--ok:#1a9e6c;
--rad:16px;--shadow:0 8px 28px rgba(30,63,174,.12);--shadow-s:0 3px 14px rgba(30,63,174,.08)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 "Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}a:hover{color:var(--blue-d)}
a:focus-visible,button:focus-visible{outline:3px solid var(--purple);outline-offset:2px;border-radius:4px}
h1,h2,h3{line-height:1.25;text-wrap:balance}
h1{font-size:clamp(1.7rem,3.6vw,2.5rem);margin:.2em 0 .35em}
h2{font-size:clamp(1.3rem,2.4vw,1.7rem);margin:1.6em 0 .5em}
h3{font-size:1.12rem;margin:1.2em 0 .4em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--blue);color:#fff;padding:10px 16px;z-index:2147483100;border-radius:0 0 8px 0}
.skip:focus{left:0}
/* nav */
.nav{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:var(--white);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;gap:6px;min-height:66px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.22rem;color:var(--ink);text-decoration:none;margin-right:14px}
.logo img{width:36px;height:36px}
.logo b{color:var(--blue)}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.nav-links>li{position:relative}
.nav-links a,.nav-links button.nav-top{display:flex;align-items:center;gap:5px;padding:12px 13px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.98rem;background:none;border:0;cursor:pointer;font-family:inherit;border-radius:10px;min-height:44px}
.nav-links>li>a:hover,.nav-links button.nav-top:hover{background:var(--blue-bg);color:var(--blue-d)}
.caret{width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.dd{position:absolute;left:0;top:100%;min-width:240px;background:var(--white);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:8px;margin:0;list-style:none;visibility:hidden;opacity:0;transform:translateY(4px);transition:opacity .15s,transform .15s,visibility 0s linear .3s}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd a{display:block;padding:10px 14px;border-radius:9px;font-weight:500}
.dd a:hover{background:var(--blue-bg)}
li.has-dd:hover>.dd,li.has-dd:focus-within>.dd,li.has-dd.open>.dd{visibility:visible;opacity:1;transform:none;transition-delay:0s}
.nav-gap{flex:1 1 auto;min-width:36px}
.btn{display:inline-block;background:var(--blue);color:#fff!important;font-weight:700;text-decoration:none;padding:12px 26px;border-radius:12px;box-shadow:var(--shadow-s);border:0;cursor:pointer;font-size:1rem;min-height:44px}
.btn:hover{background:var(--blue-d)}
.btn-ghost{background:var(--white);color:var(--blue)!important;border:2px solid var(--blue)}
.btn-ghost:hover{background:var(--blue-bg)}
.nav .btn{padding:11px 24px}
.burger{display:none;background:none;border:0;cursor:pointer;padding:10px;margin-left:auto}
.burger span{display:block;width:24px;height:3px;background:var(--ink);margin:5px 0;border-radius:2px}
/* breadcrumb */
.crumbs{font-size:.86rem;color:var(--mut);padding:14px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}
.crumbs li+li::before{content:"›";margin-right:6px;color:var(--mut)}
.crumbs a{color:var(--mut);text-decoration:none}.crumbs a:hover{color:var(--blue)}
/* hero — Layout A contained card */
.hero{background:var(--blue-bg);padding:8px 0 44px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;margin-top:18px}
.hero .updated{color:var(--mut);font-size:.9rem;margin:0 0 14px}
.hero p.lead{font-size:1.12rem;color:#2c3550;max-width:56ch}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:22px}
.hero-pts{display:grid;grid-template-columns:repeat(2,max-content);gap:10px 32px;margin-top:24px;padding:0;list-style:none;color:var(--mut);font-size:.94rem}
.hero-pts li::before{content:"✓";color:var(--ok);font-weight:800;margin-right:6px}
.hero-card{border-radius:var(--rad);overflow:hidden;box-shadow:var(--shadow);background:var(--white);margin:0}
.hero-card img{width:100%;height:auto}
/* form card */
.form-zone{padding:40px 0 10px;position:relative;z-index:1;isolation:isolate}
.form-card{max-width:1020px;margin:0 auto;background:var(--white);border-radius:16px;box-shadow:0 8px 28px rgba(30,63,174,.14);padding:30px 34px 26px;position:relative;overflow:hidden}
.form-card::before{content:"";position:absolute;inset:0 0 auto 0;height:5px;background:linear-gradient(90deg,var(--blue),var(--purple))}
.form-card h2{margin:4px 0 4px;font-size:1.35rem}
.form-trust{color:var(--mut);margin:0 0 16px;font-size:.95rem}
/* layout */
.page-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;padding:44px 0}
article{min-width:0}
article p{margin:0 0 1.05em}
article ul,article ol{margin:0 0 1.2em;padding-left:1.4em}
article li{margin:.35em 0}
.answer-lead{text-wrap:balance}
.table-wrap{overflow-x:auto;margin:0 0 1.3em;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:520px}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line)}
thead th{background:var(--soft);font-weight:700}
tbody tr:last-child td{border-bottom:0}
.body-img{width:min(520px,100%);margin:1.6em auto;border-radius:14px;box-shadow:var(--shadow-s)}
.body-img img{border-radius:14px}
.body-img figcaption{font-size:.85rem;color:var(--mut);text-align:center;padding:8px 6px 0}
.toc{background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin:1.4em 0 1.8em}
.toc strong{display:block;margin-bottom:8px}
.toc ol{margin:0;padding-left:1.3em;columns:2;column-gap:34px}
.toc li{margin:.3em 0;break-inside:avoid}
.toc a{text-decoration:none}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px}
.box{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:18px 20px;box-shadow:var(--shadow-s)}
.box-h{margin:0 0 10px;font-size:1.02rem;font-weight:700;color:var(--ink)}
.box-sub{margin:0 0 4px;font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--mut)}
.box-split{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.box-split li a{font-size:.92rem}
.box ul.checks{margin:10px 0 8px;padding-left:0}
.box ul.checks li{border:0;padding:3px 0 3px 22px;position:relative;font-size:.92rem}
.box ul.checks li::before{content:"✓";position:absolute;left:2px;color:var(--ok);font-weight:800}
.box ul{list-style:none;margin:0;padding:0}
.box li{margin:0;border-top:1px solid var(--line)}
.box li:first-child{border-top:0}
.box li a{display:block;padding:8px 2px;text-decoration:none;font-size:.95rem}
.box-cta{background:linear-gradient(135deg,var(--blue),var(--purple));color:#fff;border:0;text-align:center}
.box-cta .box-h{color:#fff;font-size:1.15rem}
.box-cta p{color:#e8eeff;font-size:.93rem;margin:.4em 0 1em}
.box-cta .btn{background:#fff;color:var(--blue-d)!important}
.box-rate{display:flex;align-items:center;gap:14px}
.box-rate .big{font-size:2rem;font-weight:800;color:var(--blue)}
.stars{color:#f5a623;letter-spacing:2px}
.box p.small,.small{font-size:.88rem;color:var(--mut)}
.box .nap{font-size:.92rem;line-height:1.7}
/* cards */
.cards{display:grid;gap:22px;margin:26px 0}
.cards-3{grid-template-columns:repeat(3,1fr)}
.cards-5{grid-template-columns:repeat(5,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--shadow-s);display:flex;flex-direction:column;min-width:0}
.card img{aspect-ratio:3/2;object-fit:cover;width:100%}
.card .pad{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.card h3{margin:0;font-size:1.06rem}
.card h3 a{text-decoration:none;color:var(--ink)}
.card h3 a:hover{color:var(--blue)}
.card p{margin:0;color:var(--mut);font-size:.92rem;flex:1}
.card .go{color:var(--blue);font-weight:700;font-size:.92rem;text-decoration:none}
.amount-card .pad{align-items:flex-start}
.amount-card .amt{font-size:1.5rem;font-weight:800;color:var(--blue)}
.term-card{text-align:center;padding:26px 18px;border-top:4px solid var(--purple)}
.term-card .mo{font-size:1.9rem;font-weight:800;color:var(--ink)}
.term-card .pay{font-size:1.25rem;color:var(--blue);font-weight:700;margin:6px 0 2px}
.section{padding:34px 0}
.section-alt{background:var(--soft)}
.section h2{margin-top:0}
/* blog */
.post-meta{display:flex;gap:16px;flex-wrap:wrap;color:var(--mut);font-size:.9rem;margin:0 0 6px}
.author-box{display:flex;gap:16px;background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin:2em 0}
.author-box .ini{flex:0 0 54px;height:54px;border-radius:50%;background:var(--purple);color:#fff;font-weight:800;font-size:1.3rem;display:flex;align-items:center;justify-content:center}
.author-box p{margin:.2em 0;font-size:.93rem;color:var(--mut)}
.author-box strong{color:var(--ink)}
.share{display:flex;gap:10px;margin:1.6em 0;flex-wrap:wrap}
.share a{border:1px solid var(--line);border-radius:999px;padding:9px 18px;text-decoration:none;font-size:.9rem;font-weight:600;min-height:44px;display:inline-flex;align-items:center}
.share a:hover{background:var(--blue-bg)}
.cards-2{grid-template-columns:repeat(2,1fr)}
/* reviews */
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:26px 0}
.rev{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:16px 18px;box-shadow:var(--shadow-s);min-width:0}
.rev .who{font-weight:700;margin-top:8px;font-size:.92rem}
.rev p{margin:.4em 0 0;font-size:.93rem;color:#333c52}
/* calculator */
.calc{background:var(--white);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:26px 28px;margin:10px 0 30px}
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.calc label{font-weight:700;font-size:.92rem;display:block;margin-bottom:6px}
.calc select,.calc input{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;background:var(--white);min-height:44px}
.calc-out{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:20px;text-align:center}
.calc-out .cell{background:var(--blue-bg);border-radius:12px;padding:16px 10px}
.calc-out .v{font-size:1.5rem;font-weight:800;color:var(--blue-d)}
.calc-out .l{font-size:.85rem;color:var(--mut)}
.calc .note{font-size:.85rem;color:var(--mut);margin:14px 0 0}
/* cta zone */
.cta-zone{background:linear-gradient(120deg,var(--blue) 0%,var(--purple) 100%);color:#fff;padding:52px 0;text-align:center}
.cta-zone h2{margin:0 0 10px;color:#fff}
.cta-zone p{margin:0 auto 24px;max-width:60ch;color:#e9edff}
.cta-zone .btn{background:#fff;color:var(--blue-d)!important;font-size:1.08rem;padding:15px 36px}
/* footer */
footer{background:#141a2b;color:#c6cde0;font-size:.93rem}
.foot-main{display:flex;gap:56px;padding:52px 0 34px;align-items:flex-start}
.foot-brand{flex:0 0 300px}
.foot-links{flex:1;display:grid;grid-template-columns:repeat(4,1fr);gap:32px}
.foot-name{color:#fff;font-weight:700;margin:0 0 6px}
.foot-brand p{margin:0 0 6px;line-height:1.7}
.foot-h{color:#fff;margin:0 0 12px;font-size:1rem;font-weight:700}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:7px 0}
footer a{color:#c6cde0;text-decoration:none}
footer a:hover{color:#fff}
.foot-img{border-radius:12px;margin:0 0 16px;width:100%}
.disclosure{border-top:1px solid #273150;padding:22px 0;font-size:.84rem;color:#9aa3bd;line-height:1.7}
.copy{border-top:1px solid #273150;padding:18px 0;font-size:.85rem;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
/* misc */
#toTop{position:fixed;right:22px;bottom:22px;width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;border:0;font-size:1.3rem;cursor:pointer;box-shadow:var(--shadow);display:none;z-index:2147483000}
#toTop:hover{background:var(--blue-d)}
.faq-item h3{margin-top:1.3em}
.sitemap-cols{columns:3;column-gap:40px}
.sitemap-cols ul{margin:0 0 1.5em;padding-left:1.2em}
/* responsive */
@media(max-width:1020px){
 .hero-grid{grid-template-columns:1fr;gap:26px}
 .page-grid{grid-template-columns:1fr;gap:34px}
 .cards-5{grid-template-columns:repeat(2,1fr)}
 .reviews-grid{grid-template-columns:repeat(2,1fr)}
 .foot-main{flex-direction:column;gap:34px}
 .foot-brand{flex:none;width:100%;display:grid;grid-template-columns:300px 1fr;gap:28px;align-items:center}
 .foot-links{width:100%}
 .toc ol{columns:1}
 .sitemap-cols{columns:2}
}
@media(max-width:760px){
 .burger{display:block}
 .nav-links{display:none;position:absolute;left:0;right:0;top:100%;background:var(--white);flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:10px 14px 16px;gap:0}
 .nav.open .nav-links{display:flex}
 .nav-links a,.nav-links button.nav-top{width:100%;justify-content:space-between;min-height:46px}
 .dd{position:static;box-shadow:none;border:0;padding-left:16px;margin:0;display:none;visibility:visible;opacity:1;transform:none;transition:none}
 .dd::before{display:none}
 li.has-dd.open>.dd{display:block}
 .nav-gap{display:none}
 .nav .btn{margin-left:auto;margin-right:8px;padding:9px 18px}
 .cards-3,.cards-2{grid-template-columns:1fr}
 .cards-5{grid-template-columns:1fr}
 .reviews-grid{grid-template-columns:1fr}
 .calc-grid,.calc-out{grid-template-columns:1fr}
 .form-card{padding:22px 18px;border-radius:12px}
 .foot-brand{grid-template-columns:1fr}
 .foot-links{grid-template-columns:repeat(2,1fr);gap:28px 20px}
 .body-img{width:min(330px,100%)}
 .hero-pts{gap:10px 18px;font-size:.9rem}
 .sitemap-cols{columns:1}
}

/* sidebar extra boxes */
.box ol.steps{margin:0 0 10px;padding-left:1.3em;font-size:.92rem}
.box ol.steps li{border:0;padding:3px 0}
table.mini{min-width:0;font-size:.88rem;margin:0 0 8px}
table.mini td,table.mini th{padding:6px 8px}
.box ul.terms li{padding:7px 0}
.box ul.terms li a{display:inline;padding:0}
.box ul.terms span{display:block;font-size:.86rem;color:var(--mut);margin-top:2px}
.box-quote .q{font-size:.95rem;font-style:italic;color:var(--ink);margin:8px 0}
.box-soft{background:var(--purple-bg);border-color:#e3dcff}
.box ul.checks.dash li::before{content:"–";color:var(--mut)}
.box-final{position:sticky;top:86px}
.box>a:not(.btn){display:inline-block;margin-top:6px;font-size:.92rem;font-weight:600;text-decoration:none}
@media(max-width:1020px){.box-x{display:none}.box-final{position:static}}