/* =========================================================
   Credit-Fixed — Design tokens
   Palette inspired by fico.com: deep navy + bright blue on white.
   ========================================================= */
:root {
  --ink: #16232E;
  --ink-soft: #55636F;
  --paper: #FFFFFF;
  --paper-alt: #F1F5F9;
  --paper-card: #FFFFFF;
  --emerald: #0A6DE6;
  --emerald-deep: #0A2540;
  --emerald-light: #3B8DEF;
  --gold: #0A6DE6;
  --gold-light: #3B8DEF;
  --line: #E1E6EA;
  --line-strong: #C6CFD6;
  --white: #FFFFFF;
  --red-muted: #B03A2E;
  --heading: #0A2540;

  --display: "Source Serif 4", Georgia, serif;
  --body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, SFMono-Regular, monospace;

  --container: 1120px;
  --radius: 3px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
}

h1, h2, h3, h4 {
  font-family: var(--display);
  color: var(--heading);
  font-weight: 600;
  line-height: 1.15;
  margin: 0 0 .5em;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.4rem, 4.6vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; color: var(--ink-soft); }
.eyebrow {
  font-family: var(--mono);
  font-size: .78rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: .9em;
}

/* Skip link */
.skip-link {
  position: absolute; left: -999px; top: 0;
  background: var(--emerald); color: var(--white);
  padding: 10px 16px; z-index: 200;
}
.skip-link:focus { left: 12px; top: 12px; }

/* =========== Ledger divider — the signature motif ============
   A hairline rule with a small upward tick, standing in for
   an ascending score line. Used between every major section. */
.ledger-divider {
  width: 100%;
  height: 22px;
  margin: 0 auto;
}
.ledger-divider svg { width: 100%; height: 100%; display: block; }

/* =========== Header =========== */
header.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--line);
}
.nav-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 0;
}
.wordmark {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none;
}
.wordmark .logo-img {
  height: 24px; width: auto; display: block;
}
nav.primary-nav { display: flex; align-items: center; gap: 30px; }
nav.primary-nav a {
  text-decoration: none; color: var(--ink); font-size: .95rem;
  font-weight: 500; position: relative;
}
nav.primary-nav a.active { color: var(--emerald); }
nav.primary-nav a.active::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -6px;
  height: 2px; background: var(--gold);
}
.btn {
  display: inline-block; font-family: var(--body); font-weight: 600;
  font-size: .92rem; text-decoration: none; text-align: center;
  padding: 12px 22px; border-radius: var(--radius); border: 1px solid transparent;
  cursor: pointer; transition: transform .15s ease, background .15s ease;
}
.btn-gold { background: var(--gold); color: var(--white); }
.btn-gold:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-outline { background: transparent; border-color: var(--emerald); color: var(--emerald-deep); }
.btn-outline:hover { background: var(--emerald); color: var(--white); }
.btn-ghost { background: transparent; color: var(--emerald-deep); text-decoration: underline; padding: 12px 4px; }
.nav-toggle { display: none; }

/* =========== Hero =========== */
.hero {
  padding: 74px 0 40px;
  background: linear-gradient(180deg, var(--paper) 0%, var(--paper-alt) 100%);
}
.hero-grid {
  display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center;
}
.hero h1 { margin-bottom: .4em; }
.hero .lede { font-size: 1.15rem; max-width: 46ch; }
.hero-ctas { display: flex; gap: 14px; margin: 26px 0 22px; flex-wrap: wrap; }
.trust-line {
  font-family: var(--mono); font-size: .8rem; color: var(--ink-soft);
  border-top: 1px solid var(--line); padding-top: 14px; margin-top: 10px;
  letter-spacing: .02em;
}
.hero-graphic {
  background: var(--paper-card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 26px 18px;
}
.hero-graphic .cap {
  display: flex; justify-content: space-between; font-family: var(--mono);
  font-size: .78rem; color: var(--ink-soft); margin-bottom: 6px;
}
.hero-graphic .cap .now { color: var(--emerald); font-weight: 600; }

/* =========== Sections =========== */
section { padding: 56px 0; }
section.tight { padding: 40px 0; }
.section-head { max-width: 62ch; margin-bottom: 34px; }
.section-alt { background: var(--paper-alt); }

/* Cards / grids */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.card {
  background: var(--paper-card); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px;
}
.card h3 { margin-bottom: .4em; }
.card .num {
  font-family: var(--mono); color: var(--gold); font-size: .85rem;
  margin-bottom: 10px; display: block;
}

/* Process steps (genuinely sequential — numbering earns its place) */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; position: relative; }
.step { position: relative; padding: 0 20px 0 0; }
.step .step-index {
  font-family: var(--mono); font-size: .8rem; color: var(--gold);
  display: block; margin-bottom: 10px;
}
.step h3 { margin-bottom: .35em; }
.step-line {
  grid-column: 1 / -1; height: 2px; background: var(--line); margin: -2px 0 26px;
}

/* Pricing */
.price-card {
  background: var(--emerald-deep); color: var(--white);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius); padding: 34px 30px;
}
.price-card .amount { font-family: var(--display); font-size: 2.6rem; color: var(--gold-light); }
.price-card .amount span { font-family: var(--body); font-size: 1rem; color: #C9D6E4; }
.price-card ul { list-style: none; padding: 0; margin: 18px 0 24px; }
.price-card li { padding: 8px 0; border-top: 1px solid rgba(255,255,255,.15); font-size: .95rem; }
.price-card li:first-child { border-top: none; }
.price-card li::before { content: "— "; color: var(--gold-light); }

/* FAQ */
details.faq-item {
  border-bottom: 1px solid var(--line); padding: 18px 0;
}
details.faq-item summary {
  cursor: pointer; font-family: var(--display); font-size: 1.08rem;
  color: var(--heading); list-style: none; display: flex;
  justify-content: space-between; align-items: center; gap: 16px;
}
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::after {
  content: "+"; font-family: var(--mono); color: var(--gold); font-size: 1.3rem; flex-shrink: 0;
}
details.faq-item[open] summary::after { content: "–"; }
details.faq-item p { margin-top: 12px; }

/* Testimonial placeholder callout */
.testimonial-note {
  border: 1px dashed var(--line-strong); border-radius: var(--radius);
  padding: 22px; font-family: var(--mono); font-size: .85rem; color: var(--ink-soft);
  background: var(--paper-card);
}

/* Table (pricing / comparison use) */
table.simple { width: 100%; border-collapse: collapse; }
table.simple th, table.simple td {
  text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); font-size: .95rem;
}
table.simple th { font-family: var(--mono); font-size: .75rem; letter-spacing: .06em; text-transform: uppercase; color: var(--ink-soft); }

/* Contact / form */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
label { display: block; font-size: .85rem; font-weight: 600; margin-bottom: 6px; color: var(--emerald-deep); }
input, textarea {
  width: 100%; font-family: var(--body); font-size: .95rem; padding: 11px 13px;
  border: 1px solid var(--line-strong); border-radius: var(--radius); background: var(--white); color: var(--ink);
}
input:focus, textarea:focus { outline: 2px solid var(--emerald); outline-offset: 1px; }

/* CTA band */
.cta-band {
  background: var(--emerald-deep); color: var(--white); border-radius: var(--radius);
  padding: 46px; text-align: center;
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: #DDE3DA; }

/* Footer */
footer.site-footer {
  background: var(--emerald-deep); color: #C9D6E4; padding: 50px 0 24px; margin-top: 60px;
}
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 36px; }
.footer-grid h4 { color: var(--white); font-family: var(--body); font-size: .85rem; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 14px; }
.footer-grid a { display: block; color: #AFC5DB; text-decoration: none; font-size: .92rem; padding: 5px 0; }
.footer-grid a:hover { color: var(--gold-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12); margin-top: 34px; padding-top: 20px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px;
  font-size: .82rem; color: #7E93A8;
}
.footer-brand { color: var(--white); font-family: var(--display); font-size: 1.2rem; margin-bottom: 10px; }
.social-row { display: flex; gap: 14px; margin-top: 14px; }
.social-row a { padding: 0; }

/* Stat bar (trust stats row) */
.stat-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.stat-item {
  text-align: center; padding: 22px 16px; background: var(--paper-card);
  border: 1px solid var(--line); border-radius: var(--radius);
}
.stat-item .stat-num { font-family: var(--display); font-size: 2rem; color: var(--emerald-deep); display: block; }
.stat-item .stat-label { font-family: var(--mono); font-size: .78rem; color: var(--ink-soft); text-transform: uppercase; letter-spacing: .04em; }

/* Utility */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.small { font-size: .85rem; color: var(--ink-soft); }
.legal-body h2 { margin-top: 1.6em; }
.legal-body { max-width: 74ch; }
.badge-noindex {
  display: inline-block; font-family: var(--mono); font-size: .75rem;
  background: var(--paper-alt); border: 1px solid var(--line); padding: 4px 10px; border-radius: var(--radius);
  color: var(--ink-soft);
}

@media (max-width: 880px) {
  .hero-grid, .grid-3, .grid-2, .steps, .footer-grid, .form-row { grid-template-columns: 1fr; }
  .step { padding-right: 0; }
  nav.primary-nav { display: none; }
  .nav-toggle {
    display: inline-flex; background: none; border: 1px solid var(--line-strong);
    border-radius: var(--radius); padding: 8px 12px; font-size: 1.1rem; cursor: pointer;
  }
  body.nav-open nav.primary-nav {
    display: flex; flex-direction: column; align-items: flex-start; gap: 16px;
    position: absolute; top: 100%; left: 0; right: 0; background: var(--paper);
    border-bottom: 1px solid var(--line); padding: 20px 28px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn { transition: none; }
}