/* =============================================================
   BOUSRAMA KREDIT — Main Stylesheet
   ============================================================= */

/* --- Variables --- */
:root {
  --bk-navy:       #0B1F3A;
  --bk-navy-mid:   #12294D;
  --bk-navy-light: #1E3A5F;
  --bk-gold:       #C8A84B;
  --bk-gold-light: #E2C97A;
  --bk-cream:      #F8F4EE;
  --bk-white:      #FFFFFF;
  --bk-gray:       #7A7166;
  --bk-border:     #E2DDD4;
  --bk-font-head:  'Cormorant Garamond', Georgia, serif;
  --bk-font-body:  'DM Sans', system-ui, sans-serif;
  --bk-radius:     4px;
  --bk-shadow:     0 4px 24px rgba(11,31,58,0.10);
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body.bk-body { font-family: var(--bk-font-body); background: var(--bk-cream); color: var(--bk-navy); -webkit-font-smoothing: antialiased; }
h1,h2,h3,h4,h5,h6 { font-family: var(--bk-font-head); }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
input, select, textarea, button { font-family: var(--bk-font-body); }

/* Scrollbar */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--bk-cream); }
::-webkit-scrollbar-thumb { background: var(--bk-gold); border-radius: 3px; }

/* --- Utilities --- */
.bk-text-gold  { color: var(--bk-gold); }
.bk-text-white { color: var(--bk-white); }
.bk-fw-bold    { font-weight: 600; }
.bk-muted      { color: var(--bk-gray); font-size: 14px; margin-bottom: 4px; }
.bk-bg-cream   { background: var(--bk-cream); }
.bk-bg-white   { background: var(--bk-white); }
.bk-bg-navy    { background: linear-gradient(135deg, var(--bk-navy) 0%, var(--bk-navy-mid) 100%); }
.bk-gold-line  { height: 1px; background: linear-gradient(90deg, transparent, var(--bk-gold), transparent); }
.bk-link-gold  { color: var(--bk-gold); font-weight: 600; font-size: 14px; }
.bk-link-gold:hover { text-decoration: underline; }

.bk-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.bk-container--narrow { max-width: 800px; }

/* Scroll animation */
.bk-fade-up { opacity: 0; transform: translateY(28px); transition: opacity .6s ease, transform .6s ease; }
.bk-fade-up.visible { opacity: 1; transform: none; }

/* --- Buttons --- */
.bk-btn {
  display: inline-block; padding: 14px 32px; border-radius: var(--bk-radius);
  font-size: 13px; font-weight: 600; letter-spacing: 1.2px; text-transform: uppercase;
  cursor: pointer; border: 1px solid transparent; transition: all .2s;
}
.bk-btn--gold { background: var(--bk-gold); color: var(--bk-navy); }
.bk-btn--gold:hover { background: var(--bk-gold-light); }
.bk-btn--outline { background: transparent; border-color: rgba(255,255,255,.35); color: var(--bk-white); }
.bk-btn--outline:hover { border-color: var(--bk-gold); color: var(--bk-gold); }
.bk-btn--outline-navy { background: transparent; border-color: var(--bk-border); color: var(--bk-navy); }
.bk-btn--outline-navy:hover { border-color: var(--bk-gold); color: var(--bk-gold); }
.bk-btn--sm { padding: 8px 20px; font-size: 12px; }
.bk-btn--full { width: 100%; text-align: center; }

/* --- Loading Screen --- */
.bk-loading {
  position: fixed; inset: 0; background: var(--bk-navy); z-index: 9999;
  display: flex; align-items: center; justify-content: center;
  transition: opacity .5s ease, visibility .5s ease;
}
.bk-loading.hidden { opacity: 0; visibility: hidden; pointer-events: none; }
.bk-loading__inner { text-align: center; }
.bk-loading__logo { font-family: var(--bk-font-head); font-size: 36px; font-weight: 700; color: var(--bk-gold); letter-spacing: 3px; margin-bottom: 24px; }
.bk-loading__bar { width: 200px; height: 2px; background: rgba(255,255,255,.1); border-radius: 1px; overflow: hidden; }
.bk-loading__fill { height: 100%; background: var(--bk-gold); border-radius: 1px; width: 0; transition: width 1.5s ease; }

/* --- Navbar --- */
.bk-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: 72px; padding: 0 5%;
  background: rgba(11,31,58,.97); backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(200,168,75,.18);
  transition: background .3s;
}
.bk-nav.scrolled { background: rgba(11,31,58,1); box-shadow: 0 2px 20px rgba(0,0,0,.3); }
.bk-nav__inner { max-width: 1280px; margin: 0 auto; height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.bk-nav__logo { font-family: var(--bk-font-head); font-size: 24px; font-weight: 700; color: var(--bk-white); letter-spacing: 1px; }
.bk-gold-dot { color: var(--bk-gold); }
.bk-nav__links { display: flex; gap: 32px; list-style: none; }
.bk-nav__links a { color: rgba(255,255,255,.75); font-size: 14px; letter-spacing: .4px; transition: color .2s; }
.bk-nav__links a:hover { color: var(--bk-gold); }
.bk-nav__cta { flex-shrink: 0; }
.bk-nav__burger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.bk-nav__burger span { display: block; width: 24px; height: 2px; background: var(--bk-white); transition: all .3s; }

@media (max-width: 768px) {
  .bk-nav__links { display: none; flex-direction: column; position: absolute; top: 72px; left: 0; right: 0; background: var(--bk-navy); padding: 20px 24px; gap: 16px; border-top: 1px solid rgba(200,168,75,.2); }
  .bk-nav__links.open { display: flex; }
  .bk-nav__burger { display: flex; }
  .bk-nav__cta { display: none; }
}

/* --- Hero --- */
.bk-hero {
  min-height: 100vh; padding: 100px 5% 60px;
  background: linear-gradient(135deg, var(--bk-navy) 0%, var(--bk-navy-mid) 100%);
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center;
  position: relative; overflow: hidden;
}
.bk-hero::after {
  content: ''; position: absolute; right: -5%; top: 0; bottom: 0; width: 55%;
  background: rgba(255,255,255,.02); clip-path: polygon(10% 0%, 100% 0%, 100% 100%, 0% 100%);
  pointer-events: none;
}
.bk-hero__badge { display: inline-flex; align-items: center; background: rgba(200,168,75,.12); border: 1px solid rgba(200,168,75,.3); padding: 6px 16px; border-radius: 2px; margin-bottom: 24px; }
.bk-hero__badge span { font-size: 11px; color: var(--bk-gold); letter-spacing: 2px; text-transform: uppercase; font-weight: 500; }
.bk-hero__title { font-size: clamp(36px,4.5vw,62px); font-weight: 600; color: var(--bk-white); line-height: 1.1; margin-bottom: 20px; }
.bk-hero__sub { font-size: 17px; color: rgba(255,255,255,.65); line-height: 1.7; max-width: 440px; margin-bottom: 36px; font-weight: 300; }
.bk-hero__btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.bk-hero__stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; padding-top: 36px; border-top: 1px solid rgba(255,255,255,.08); }
.bk-stat__num { display: block; font-family: var(--bk-font-head); font-size: 32px; font-weight: 700; color: var(--bk-gold); }
.bk-stat__label { display: block; font-size: 11px; color: rgba(255,255,255,.45); letter-spacing: 1px; text-transform: uppercase; margin-top: 2px; }

/* Mini calculator */
.bk-mini-calc { background: rgba(255,255,255,.07); border: 1px solid rgba(200,168,75,.22); border-radius: 6px; padding: 28px; width: 320px; position: relative; z-index: 2; }
.bk-mini-calc h3 { font-family: var(--bk-font-head); color: var(--bk-gold); font-size: 18px; margin-bottom: 20px; }
.bk-mini-calc__group { margin-bottom: 16px; }
.bk-mini-calc__row { display: flex; justify-content: space-between; font-size: 13px; color: rgba(255,255,255,.6); margin-bottom: 8px; }
.bk-mini-calc__divider { height: 1px; background: rgba(255,255,255,.1); margin: 16px 0; }
.bk-mini-calc__result { text-align: center; }
.bk-mini-calc__result p:first-child { font-size: 13px; color: rgba(255,255,255,.5); margin-bottom: 4px; }
.bk-mini-calc__rate { font-family: var(--bk-font-head); font-size: 34px; font-weight: 700; color: var(--bk-gold); }

input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 3px; background: rgba(255,255,255,.15); border-radius: 2px; outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--bk-gold); border: 2px solid var(--bk-navy); cursor: pointer; }

@media (max-width: 900px) {
  .bk-hero { grid-template-columns: 1fr; }
  .bk-hero__visual { display: none; }
  .bk-hero__stats { grid-template-columns: repeat(2,1fr); }
}

/* --- Sections --- */
.bk-section { padding: 96px 0; }
.bk-section__head { text-align: center; margin-bottom: 56px; }
.bk-section__head h2 { font-size: clamp(28px,3.5vw,42px); font-weight: 600; margin-bottom: 12px; }
.bk-section__head .bk-gold-line { max-width: 200px; margin: 0 auto; }
.bk-section__head--light h2 { color: var(--bk-white); }

/* --- Loan Type Cards --- */
.bk-cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.bk-card { background: var(--bk-white); border: 1px solid var(--bk-border); border-radius: var(--bk-radius); padding: 28px; transition: border-color .3s, box-shadow .3s; }
.bk-card:hover { border-color: rgba(200,168,75,.5); box-shadow: var(--bk-shadow); }
.bk-card__icon { font-size: 28px; width: 52px; height: 52px; background: linear-gradient(135deg, var(--bk-gold) 0%, var(--bk-gold-light) 100%); border-radius: var(--bk-radius); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.bk-card h3 { font-family: var(--bk-font-head); font-size: 20px; margin-bottom: 6px; }
.bk-card__desc { font-size: 13px; color: var(--bk-gray); line-height: 1.6; margin: 8px 0 12px; }

/* --- Steps --- */
.bk-steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; }
.bk-step { text-align: center; padding: 24px 16px; }
.bk-step__num { font-family: var(--bk-font-head); font-size: 48px; font-weight: 700; color: var(--bk-gold); opacity: .25; margin-bottom: 12px; }
.bk-step h3 { font-family: var(--bk-font-head); font-size: 19px; margin-bottom: 6px; }
.bk-step p { font-size: 13px; color: var(--bk-gray); line-height: 1.6; }

/* --- Simulator --- */
.bk-sim { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; background: var(--bk-white); border: 1px solid var(--bk-border); border-radius: var(--bk-radius); padding: 36px; margin-bottom: 24px; box-shadow: var(--bk-shadow); }
.bk-sim__controls { display: flex; flex-direction: column; gap: 20px; }
.bk-sim__field label, .bk-sim__field > span:first-child { font-size: 13px; font-weight: 600; color: var(--bk-navy); display: block; margin-bottom: 8px; }
.bk-sim__row { display: flex; justify-content: space-between; font-size: 13px; color: var(--bk-gray); margin-bottom: 8px; }
.bk-sim select { width: 100%; padding: 10px 14px; border: 1px solid var(--bk-border); border-radius: var(--bk-radius); font-size: 14px; color: var(--bk-navy); background: var(--bk-cream); outline: none; cursor: pointer; }
.bk-sim select:focus { border-color: var(--bk-gold); }
.bk-sim__results { display: flex; flex-direction: column; gap: 16px; }
.bk-sim__kpi { display: flex; flex-direction: column; gap: 4px; padding: 16px; background: var(--bk-cream); border-radius: var(--bk-radius); }
.bk-sim__kpi-label { font-size: 11px; text-transform: uppercase; letter-spacing: 1px; color: var(--bk-gray); }
.bk-sim__kpi-val { font-family: var(--bk-font-head); font-size: 26px; font-weight: 700; color: var(--bk-navy); }
.bk-sim__cta { margin-top: 8px; text-align: center; }
@media (max-width: 700px) { .bk-sim { grid-template-columns: 1fr; } }

/* Amortization */
.bk-amort { background: var(--bk-white); border: 1px solid var(--bk-border); border-radius: var(--bk-radius); padding: 28px; }
.bk-amort h3 { font-family: var(--bk-font-head); font-size: 20px; margin-bottom: 20px; }
.bk-amort__wrap { overflow-x: auto; }
.bk-sim input[type="range"] { background: var(--bk-border); }
.bk-sim input[type="range"]::-webkit-slider-thumb { background: var(--bk-gold); border-color: var(--bk-cream); }

/* --- Tables --- */
.bk-table-wrap { overflow-x: auto; }
.bk-table, table#sim-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.bk-table th, table#sim-table th { background: var(--bk-navy); color: var(--bk-white); padding: 12px 16px; text-align: left; font-weight: 500; font-size: 13px; }
.bk-table td, table#sim-table td { padding: 11px 16px; border-bottom: 1px solid var(--bk-border); }
.bk-table tr:last-child td { border-bottom: none; }
.bk-table tr:hover td { background: var(--bk-cream); }
.bk-disclaimer { font-size: 11px; color: var(--bk-gray); margin-top: 16px; line-height: 1.6; }

/* --- Why Us --- */
.bk-why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }
.bk-why-card { background: rgba(255,255,255,.05); border: 1px solid rgba(200,168,75,.15); border-radius: var(--bk-radius); padding: 28px; transition: border-color .3s; }
.bk-why-card:hover { border-color: rgba(200,168,75,.4); }
.bk-why-card__icon { font-size: 24px; margin-bottom: 14px; }
.bk-why-card h3 { font-family: var(--bk-font-head); font-size: 18px; color: var(--bk-white); margin-bottom: 8px; }
.bk-why-card p { font-size: 13px; color: rgba(255,255,255,.55); line-height: 1.7; }

/* --- Testimonials --- */
.bk-testi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.bk-testi { background: var(--bk-white); border: 1px solid var(--bk-border); border-radius: var(--bk-radius); padding: 28px; }
.bk-testi__stars { color: var(--bk-gold); font-size: 18px; margin-bottom: 12px; }
.bk-testi__text { font-size: 14px; line-height: 1.7; color: var(--bk-gray); margin-bottom: 20px; font-style: italic; }
.bk-testi__author { display: flex; align-items: center; gap: 12px; }
.bk-testi__avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--bk-gold), var(--bk-gold-light)); display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 700; color: var(--bk-navy); flex-shrink: 0; }
.bk-testi__author strong { display: block; font-size: 14px; }
.bk-testi__author span { font-size: 12px; color: var(--bk-gray); }

/* --- FAQ --- */
.bk-faq { display: flex; flex-direction: column; gap: 8px; }
.bk-faq__item { border: 1px solid rgba(200,168,75,.2); border-radius: var(--bk-radius); overflow: hidden; }
.bk-faq__q { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 16px 20px; text-align: left; background: transparent; border: none; cursor: pointer; color: var(--bk-white); font-family: var(--bk-font-body); font-size: 15px; font-weight: 500; transition: background .2s; }
.bk-faq__q:hover { background: rgba(255,255,255,.04); }
.bk-faq__arrow { color: var(--bk-gold); flex-shrink: 0; transition: transform .2s; font-size: 18px; }
.bk-faq__q[aria-expanded="true"] .bk-faq__arrow { transform: rotate(180deg); }
.bk-faq__a { padding: 0 20px 16px; }
.bk-faq__a p { font-size: 14px; color: rgba(255,255,255,.6); line-height: 1.7; }

/* --- Contact --- */
.bk-contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.bk-contact-form h3, .bk-contact-info h3 { font-family: var(--bk-font-head); font-size: 22px; margin-bottom: 24px; }
.bk-form { display: flex; flex-direction: column; gap: 16px; }
.bk-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.bk-form__field { display: flex; flex-direction: column; gap: 6px; }
.bk-form__field label { font-size: 12px; font-weight: 600; color: var(--bk-navy); text-transform: uppercase; letter-spacing: .5px; }
.bk-form__field input, .bk-form__field select, .bk-form__field textarea {
  padding: 12px 16px; border: 1px solid var(--bk-border); border-radius: var(--bk-radius);
  font-size: 14px; color: var(--bk-navy); background: var(--bk-white); outline: none; transition: border-color .2s;
}
.bk-form__field input:focus, .bk-form__field select:focus, .bk-form__field textarea:focus { border-color: var(--bk-gold); box-shadow: 0 0 0 2px rgba(200,168,75,.15); }
.bk-form__hint { font-size: 11px; color: var(--bk-gray); text-align: center; }
.bk-success { background: #d4edda; border: 1px solid #c3e6cb; color: #155724; padding: 12px 16px; border-radius: var(--bk-radius); margin-bottom: 16px; font-size: 14px; }
.bk-info-item { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 16px; font-size: 14px; }
.bk-info-item a { color: var(--bk-navy); transition: color .2s; }
.bk-info-item a:hover { color: var(--bk-gold); }
.bk-map-placeholder { background: var(--bk-navy); border-radius: var(--bk-radius); height: 200px; display: flex; align-items: center; justify-content: center; margin-top: 24px; }
.bk-map-inner { text-align: center; color: var(--bk-white); }
.bk-map-inner p { margin-bottom: 16px; line-height: 1.6; opacity: .75; font-size: 14px; }
@media (max-width: 800px) {
  .bk-contact-grid { grid-template-columns: 1fr; }
  .bk-form__row { grid-template-columns: 1fr; }
}

/* --- Footer --- */
.bk-footer { background: linear-gradient(135deg, var(--bk-navy) 0%, var(--bk-navy-mid) 100%); padding: 64px 0 32px; border-top: 1px solid rgba(200,168,75,.15); }
.bk-footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.bk-footer__logo { font-family: var(--bk-font-head); font-size: 22px; font-weight: 700; color: var(--bk-white); display: inline-block; margin-bottom: 12px; }
.bk-footer__logo span { color: var(--bk-gold); }
.bk-footer__grid > div > p { font-size: 13px; color: rgba(255,255,255,.5); line-height: 1.6; }
.bk-footer h4 { font-family: var(--bk-font-head); font-size: 17px; color: var(--bk-white); margin-bottom: 16px; }
.bk-footer ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.bk-footer ul a { font-size: 13px; color: rgba(255,255,255,.5); transition: color .2s; }
.bk-footer ul a:hover { color: var(--bk-gold); }
.bk-footer__line { margin: 0 0 28px; }
.bk-footer__bottom { display: flex; flex-wrap: wrap; gap: 20px; align-items: center; justify-content: space-between; }
.bk-footer__social { display: flex; gap: 12px; }
.bk-footer__social a { width: 36px; height: 36px; border: 1px solid rgba(200,168,75,.3); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 700; color: rgba(255,255,255,.5); transition: all .2s; }
.bk-footer__social a:hover { border-color: var(--bk-gold); color: var(--bk-gold); }
.bk-footer__badges { display: flex; gap: 8px; flex-wrap: wrap; }
.bk-footer__badges span { font-size: 11px; color: rgba(255,255,255,.35); border: 1px solid rgba(200,168,75,.25); padding: 4px 10px; border-radius: 2px; }
.bk-footer__bottom > p { font-size: 12px; color: rgba(255,255,255,.3); }
@media (max-width: 900px) {
  .bk-footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .bk-footer__grid { grid-template-columns: 1fr; }
}

/* --- Cookie Banner --- */
.bk-cookie { position: fixed; bottom: 0; left: 0; right: 0; z-index: 9998; background: var(--bk-navy); border-top: 1px solid rgba(200,168,75,.25); padding: 16px 24px; }
.bk-cookie__inner { max-width: 1200px; margin: 0 auto; display: flex; flex-wrap: wrap; gap: 16px; align-items: center; justify-content: space-between; }
.bk-cookie p { font-size: 13px; color: rgba(255,255,255,.7); line-height: 1.5; flex: 1; min-width: 200px; }
.bk-cookie a { color: var(--bk-gold); text-decoration: underline; }
.bk-cookie__btns { display: flex; gap: 10px; flex-shrink: 0; }

/* --- Legal pages --- */
.bk-legal { padding: 120px 0 80px; }
.bk-legal h1 { font-family: var(--bk-font-head); font-size: 40px; font-weight: 600; margin-bottom: 32px; color: var(--bk-navy); }
.bk-legal h2 { font-family: var(--bk-font-head); font-size: 22px; margin: 32px 0 12px; color: var(--bk-navy); }
.bk-legal p { font-size: 15px; line-height: 1.8; color: #3D4F63; margin-bottom: 12px; }