/* ============================================================
   Credit Plus — shared design system
   Used by every page. Keep visual language consistent here.
   ============================================================ */

:root {
  --bg: #ffffff;
  --bg-soft: #f4f6fd;
  --bg-alt: #eef1fb;
  --card: #ffffff;
  --border: #e6e8f2;
  --fg: #131a2c;
  --muted: #5b6478;
  --primary: #4f46e5;      /* indigo */
  --primary-dark: #4338ca;
  --primary-tint: #eef0fe;
  --accent: #2563eb;
  --amber: #d97706;
  --amber-tint: #fef3c7;
  --sky: #0284c7;
  --sky-tint: #e0f2fe;
  --emerald: #059669;
  --emerald-tint: #d1fae5;
  --danger: #dc2626;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(19, 26, 44, .04), 0 8px 24px rgba(19, 26, 44, .06);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: "Inter", system-ui, sans-serif;
  color: var(--fg);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, .brand { font-family: "Poppins", "Inter", sans-serif; letter-spacing: -.02em; }

a { color: inherit; text-decoration: none; }
.container { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 760px; margin: 0 auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: "Inter", sans-serif; font-weight: 600; font-size: 15px;
  padding: 12px 22px; border-radius: 10px; border: 1px solid transparent;
  cursor: pointer; transition: transform .05s ease, background .15s ease, opacity .15s ease;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--primary); color: #fff; box-shadow: 0 6px 16px rgba(79, 70, 229, .28); }
.btn-primary:hover { background: var(--primary-dark); }
.btn-outline { background: #fff; color: var(--primary); border-color: #cdd0f5; }
.btn-outline:hover { background: var(--primary-tint); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.3); }
.btn-ghost:hover { background: rgba(255,255,255,.1); }
.btn-sm { padding: 9px 16px; font-size: 14px; }
.btn-lg { padding: 14px 26px; font-size: 16px; }
.btn[disabled] { opacity: .6; cursor: not-allowed; }
.btn-full { width: 100%; }

/* ---------- Header ---------- */
header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .82); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 600; font-size: 20px; }
.logo {
  width: 34px; height: 34px; border-radius: 9px; background: var(--primary); color: #fff;
  display: inline-flex; align-items: center; justify-content: center; font-weight: 700; font-size: 15px;
}
.nav-links { display: flex; gap: 28px; font-size: 15px; font-weight: 500; color: var(--muted); align-items: center; }
.nav-links a { position: relative; padding: 4px 0; }
.nav-links a:hover, .nav-links a.active { color: var(--primary); }
.nav-right { display: flex; align-items: center; gap: 18px; }
@media (max-width: 900px) { .nav-links { display: none; } }

/* ---------- Hero grid pattern (home + interior) ---------- */
.hero, .page-hero { position: relative; overflow: hidden; }
.hero::before, .page-hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='44' height='44'%3E%3Cpath d='M44 0H0v44' fill='none' stroke='%23c4c9de' stroke-width='1'/%3E%3C/svg%3E");
  background-size: 44px 44px;
  opacity: .55;
  -webkit-mask-image: radial-gradient(ellipse 80% 70% at 50% 30%, #000 0%, transparent 75%);
  mask-image: radial-gradient(ellipse 80% 70% at 50% 30%, #000 0%, transparent 75%);
  pointer-events: none;
  z-index: 0;
}
.hero > .container, .page-hero > .container { position: relative; z-index: 1; }

/* ---------- Hero (home) ---------- */
.hero { text-align: center; padding: 76px 0 48px; background: var(--bg-soft); border-bottom: 1px solid var(--border); }
.eyebrow {
  display: inline-block; color: var(--primary); font-weight: 600; font-size: 13px;
  letter-spacing: .06em; text-transform: uppercase; margin-bottom: 20px;
  background: var(--primary-tint); padding: 7px 15px; border-radius: 999px; border: 1px solid #dcdefb;
}
.hero h1 { font-size: clamp(38px, 6vw, 62px); font-weight: 700; line-height: 1.08; max-width: 820px; margin: 0 auto; }
.hero p.lead { max-width: 620px; margin: 24px auto 0; font-size: 18px; color: var(--muted); }
.hero-actions { display: flex; gap: 14px; justify-content: center; margin-top: 34px; flex-wrap: wrap; }
.checks { display: flex; gap: 26px; justify-content: center; flex-wrap: wrap; margin-top: 40px; color: var(--muted); font-size: 14px; }
.checks span { display: inline-flex; align-items: center; gap: 8px; }
.checks svg { color: var(--emerald); flex-shrink: 0; }

/* ---------- Split hero (two-column) ---------- */
.hero.hero--split { text-align: left; padding: 66px 0 62px; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 54px; align-items: center; }
.hero-copy h1 { max-width: none; margin: 0; }
.hero-copy .lead { margin: 22px 0 0; max-width: 520px; }
.hero-copy .hero-actions { justify-content: flex-start; margin-top: 30px; }
.hero-copy .checks { justify-content: flex-start; margin-top: 30px; gap: 18px 22px; }
@media (max-width: 900px) {
  .hero.hero--split { text-align: center; }
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
  .hero-copy .lead { margin-left: auto; margin-right: auto; }
  .hero-copy .hero-actions, .hero-copy .checks { justify-content: center; }
}

/* eligibility card visual */
.hero-visual { display: flex; justify-content: center; }
.hero-card {
  width: 100%; max-width: 410px; background: var(--card); border: 1px solid var(--border);
  border-radius: 18px; box-shadow: 0 24px 60px rgba(19, 26, 44, .16); padding: 22px 22px 20px;
}
.hero-card-head { display: flex; align-items: center; gap: 9px; font-size: 13px; font-weight: 600; color: var(--muted); padding-bottom: 16px; border-bottom: 1px solid var(--border); }
.hero-card-head .dot { width: 9px; height: 9px; border-radius: 50%; background: var(--emerald); box-shadow: 0 0 0 4px var(--emerald-tint); }
.hero-card-head .badge-ok { margin-left: auto; background: var(--emerald-tint); color: var(--emerald); padding: 4px 11px; border-radius: 999px; font-size: 12px; font-weight: 600; }
.credit-row { display: flex; align-items: center; gap: 14px; padding: 16px 2px; border-bottom: 1px solid var(--border); }
.credit-row .credit-ico { width: 42px; height: 42px; border-radius: 11px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.credit-ico.amber { background: var(--amber-tint); color: var(--amber); }
.credit-ico.sky { background: var(--sky-tint); color: var(--sky); }
.credit-ico.indigo { background: var(--primary-tint); color: var(--primary); }
.credit-name { font-weight: 600; font-size: 15px; color: var(--fg); }
.credit-sub { font-size: 13px; color: var(--muted); }
.credit-amt { margin-left: auto; font-family: "Poppins", sans-serif; font-weight: 700; font-size: 21px; color: var(--fg); }
.credit-row.total { border-bottom: none; padding-bottom: 2px; }
.credit-row.total .credit-name { font-size: 12px; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); font-weight: 600; }
.credit-row.total .credit-amt { color: var(--primary); font-size: 25px; }
.hero-card-foot { margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--border); font-size: 13px; color: var(--muted); display: flex; align-items: center; gap: 8px; }
.hero-card-foot svg { color: var(--primary); flex-shrink: 0; }

/* ---------- Trust bar ---------- */
.trustbar { display: flex; align-items: center; justify-content: center; gap: 18px 26px; flex-wrap: wrap; padding: 26px 24px; }
.trustbar .label { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); }
.trustbar .chip {
  font-size: 14px; font-weight: 600; color: var(--fg); background: var(--card);
  border: 1px solid var(--border); border-radius: 999px; padding: 8px 16px;
}

/* ---------- Page hero (interior pages) ---------- */
.page-hero { background: var(--bg-soft); border-bottom: 1px solid var(--border); padding: 54px 0 48px; }
.breadcrumb { font-size: 13px; color: var(--muted); margin-bottom: 16px; }
.breadcrumb a:hover { color: var(--primary); }
.breadcrumb span { margin: 0 6px; opacity: .5; }
.page-hero h1 { font-size: clamp(32px, 5vw, 48px); font-weight: 700; line-height: 1.12; max-width: 760px; }
.page-hero p.lead { max-width: 660px; margin-top: 18px; font-size: 18px; color: var(--muted); }
.page-hero .hero-actions { justify-content: flex-start; }

/* ---------- Sections ---------- */
section.pad { padding: 72px 0; }
section.pad-sm { padding: 52px 0; }
.section-head { text-align: center; margin-bottom: 44px; }
.section-head h2 { font-size: clamp(26px, 4vw, 34px); font-weight: 600; }
.section-head p { color: var(--muted); margin-top: 12px; max-width: 620px; margin-left: auto; margin-right: auto; }
.tint { background: var(--bg-alt); }
.soft { background: var(--bg-soft); }

/* ---------- Cards grid ---------- */
.grid { display: grid; gap: 22px; grid-template-columns: repeat(3, 1fr); }
.grid.two { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 860px) { .grid, .grid.two { grid-template-columns: 1fr; } }
.card {
  background: var(--card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow);
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.card.link:hover { transform: translateY(-4px); box-shadow: 0 14px 32px rgba(19, 26, 44, .10); border-color: #d5d8ea; }
.card .ico {
  width: 48px; height: 48px; border-radius: 13px;
  display: inline-flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.ico.indigo { background: var(--primary-tint); color: var(--primary); }
.ico.sky { background: var(--sky-tint); color: var(--sky); }
.ico.amber { background: var(--amber-tint); color: var(--amber); }
.ico.emerald { background: var(--emerald-tint); color: var(--emerald); }
/* auto-tint the 3-up home grid */
.grid.autotint .card:nth-child(1) .ico { background: var(--primary-tint); color: var(--primary); }
.grid.autotint .card:nth-child(2) .ico { background: var(--sky-tint); color: var(--sky); }
.grid.autotint .card:nth-child(3) .ico { background: var(--amber-tint); color: var(--amber); }
.card h3 { font-size: 19px; font-weight: 600; margin-bottom: 8px; }
.card p { color: var(--muted); font-size: 15px; }
.card .more { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; color: var(--primary); font-weight: 600; font-size: 14px; }
.card.link:hover .more { gap: 10px; }

/* ---------- Prose (article content) ---------- */
.prose { color: var(--fg); }
.prose > * + * { margin-top: 18px; }
.prose h2 { font-size: 26px; font-weight: 600; margin-top: 44px; }
.prose h3 { font-size: 20px; font-weight: 600; margin-top: 32px; }
.prose p { color: var(--muted); font-size: 16px; }
.prose ul, .prose ol { color: var(--muted); font-size: 16px; padding-left: 22px; }
.prose li { margin-top: 8px; }
.prose li::marker { color: var(--primary); }
.prose a { color: var(--primary); font-weight: 500; }
.prose a:hover { text-decoration: underline; }
.prose strong { color: var(--fg); font-weight: 600; }
.prose h2:first-child, .prose h3:first-child { margin-top: 0; }

/* ---------- Callout ---------- */
.callout {
  border-left: 5px solid var(--primary); background: var(--primary-tint);
  border-radius: 0 12px 12px 0; padding: 20px 24px; font-size: 15px; color: var(--fg);
}
.callout.amber { border-color: var(--amber); background: var(--amber-tint); }
.callout.emerald { border-color: var(--emerald); background: var(--emerald-tint); }
.callout strong { display: block; margin-bottom: 4px; }

/* ---------- Steps ---------- */
.steps { display: grid; gap: 20px; grid-template-columns: repeat(4, 1fr); counter-reset: step; }
@media (max-width: 900px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }
.step {
  background: var(--card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--shadow); position: relative;
}
.step .num {
  width: 34px; height: 34px; border-radius: 9px; background: var(--primary); color: #fff;
  display: inline-flex; align-items: center; justify-content: center; font-weight: 700; margin-bottom: 14px;
  font-family: "Poppins", sans-serif;
}
.step h3 { font-size: 17px; font-weight: 600; margin-bottom: 6px; }
.step p { color: var(--muted); font-size: 14px; }

/* ---------- Feature list (checks) ---------- */
.featlist { list-style: none; display: grid; gap: 14px; }
.featlist.two { grid-template-columns: 1fr 1fr; }
@media (max-width: 640px) { .featlist.two { grid-template-columns: 1fr; } }
.featlist li { display: flex; gap: 12px; align-items: flex-start; color: var(--muted); font-size: 16px; }
.featlist li svg { flex-shrink: 0; margin-top: 3px; color: var(--emerald); }
.featlist li.no svg { color: var(--danger); }
.featlist li strong { color: var(--fg); font-weight: 600; }

/* ---------- Table ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); }
table { width: 100%; border-collapse: collapse; font-size: 15px; min-width: 520px; }
thead th { background: var(--bg-alt); text-align: left; padding: 14px 18px; font-weight: 600; color: var(--fg); }
tbody td { padding: 14px 18px; border-top: 1px solid var(--border); color: var(--muted); vertical-align: top; }
tbody tr:nth-child(even) td { background: #fbfcfe; }
tbody td strong { color: var(--fg); }

/* ---------- Stat row ---------- */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; text-align: center; }
@media (max-width: 640px) { .stats { grid-template-columns: 1fr; } }
.stat .big { font-family: "Poppins", sans-serif; font-size: 40px; font-weight: 700; color: var(--primary); }
.stat p { color: var(--muted); font-size: 15px; margin-top: 4px; }
/* card variant with colored top accent */
.stats.cards .stat { background: var(--card); border: 1px solid var(--border); border-top: 3px solid var(--primary); border-radius: var(--radius); padding: 30px 24px; box-shadow: var(--shadow); }
.stats.cards .stat:nth-child(2) { border-top-color: var(--sky); }
.stats.cards .stat:nth-child(2) .big { color: var(--sky); }
.stats.cards .stat:nth-child(3) { border-top-color: var(--emerald); }
.stats.cards .stat:nth-child(3) .big { color: var(--emerald); }

/* ---------- Apply form ---------- */
.apply { background: #131a2c; }
.apply .section-head h2 { color: #ffffff; }
.apply .section-head p { color: #aab2c8; }
.form-wrap { max-width: 760px; margin: 0 auto; }
.form-card { background: var(--card); border: 1px solid var(--border); border-radius: 16px; padding: 34px; box-shadow: var(--shadow); }
@media (max-width: 560px) { .form-card { padding: 22px; } }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.field label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 8px; }
.field input, .field select, .field textarea {
  width: 100%; font-family: inherit; font-size: 15px; color: var(--fg);
  padding: 11px 13px; border: 1px solid var(--border); border-radius: 9px; background: #fff;
  transition: border .15s ease, box-shadow .15s ease;
}
.field input::placeholder, .field textarea::placeholder { color: #94a3b8; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(79, 70, 229, .15);
}
.field textarea { resize: vertical; min-height: 110px; }
.field .err { color: var(--danger); font-size: 13px; margin-top: 6px; display: none; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--danger); }
.field.invalid .err { display: block; }
.form-note { text-align: center; color: var(--muted); font-size: 13px; margin-top: 16px; }
.form-msg { text-align: center; font-size: 14px; margin-top: 14px; display: none; }
.form-msg.ok { display: block; color: #15803d; }
.form-msg.bad { display: block; color: var(--danger); }

/* ---------- Why free ---------- */
.whyfree { border-left: 5px solid var(--primary); background: var(--primary-tint); border-radius: 0 14px 14px 0; padding: 34px 38px; max-width: 760px; margin: 0 auto; }
.whyfree h2 { font-size: 26px; font-weight: 600; margin-bottom: 16px; }
.whyfree p { color: var(--muted); margin-bottom: 14px; }
.whyfree p:last-child { margin-bottom: 0; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 760px; margin: 0 auto; }
details {
  background: var(--card); border: 1px solid var(--border); border-radius: 12px;
  padding: 4px 22px; margin-bottom: 12px; transition: border-color .15s ease, box-shadow .15s ease;
}
details[open] { border-color: #cdd0f5; box-shadow: var(--shadow); }
details[open] summary { color: var(--primary); }
summary {
  list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between;
  gap: 12px; padding: 18px 0; font-weight: 600; font-size: 16px;
}
summary::-webkit-details-marker { display: none; }
summary .chev { transition: transform .2s ease; color: var(--muted); flex-shrink: 0; }
details[open] summary .chev { transform: rotate(180deg); }
details .answer { color: var(--muted); padding: 0 0 20px; font-size: 15px; }

/* ---------- CTA band ---------- */
.cta-band { background: var(--primary); color: #fff; text-align: center; padding: 60px 0; }
.cta-band h2 { font-size: clamp(26px, 4vw, 34px); font-weight: 700; }
.cta-band p { color: #dcdcfb; margin-top: 12px; font-size: 17px; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-band .hero-actions { justify-content: center; margin-top: 28px; }
.cta-band .btn-primary { background: #fff; color: var(--primary); box-shadow: 0 6px 16px rgba(0,0,0,.18); }
.cta-band .btn-primary:hover { background: #f1f1ff; }

/* ---------- Footer ---------- */
footer { border-top: 1px solid var(--border); background: var(--bg); padding: 52px 0 34px; }
.foot-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px; }
@media (max-width: 820px) { .foot-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media (max-width: 480px) { .foot-grid { grid-template-columns: 1fr; } }
.foot-brand p { color: var(--muted); font-size: 14px; margin-top: 14px; max-width: 300px; }
.foot-col h4 { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: .05em; color: var(--fg); margin-bottom: 14px; }
.foot-col a { display: block; color: var(--muted); font-size: 14px; margin-bottom: 10px; }
.foot-col a:hover { color: var(--primary); }
.foot-bottom { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--border); }
.foot-bottom p { color: var(--muted); font-size: 13px; }
.foot-bottom a.mail { display: inline-flex; align-items: center; gap: 8px; color: var(--muted); font-weight: 500; font-size: 14px; }
.foot-bottom a.mail:hover { color: var(--primary); }
.foot-bottom a.mail svg { color: var(--primary); }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-6 { margin-top: 24px; }
.mt-8 { margin-top: 32px; }
.disclaimer { font-size: 13px; color: var(--muted); }