/* ================================================================
   CREDITPASSPORT — MAIN STYLESHEET
   Palette: Navy (#0A1628, #0D2149, #1a3a6e) + Gold (#C9A227, #D4AF37, #E8C547)
   ================================================================ */

/* ── Reset & Base ─────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy-950: #060e1c;
  --navy-900: #0A1628;
  --navy-800: #0D2149;
  --navy-700: #142e63;
  --navy-600: #1a3a7a;
  --navy-500: #1e4494;
  --navy-400: #2556b8;
  --navy-300: #3a6fd4;
  --navy-200: #6995e0;
  --navy-100: #a8c0f0;
  --navy-50:  #e8eef8;

  --gold-600: #a07918;
  --gold-500: #C9A227;
  --gold-400: #D4AF37;
  --gold-300: #E8C547;
  --gold-200: #f0d57a;
  --gold-100: #faefc0;
  --gold-50:  #fdf8e8;

  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-600: #475569;
  --gray-800: #1e293b;

  --font-body: 'Inter', system-ui, -apple-system, sans-serif;
  --font-display: 'Playfair Display', Georgia, serif;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 32px;

  --shadow-sm: 0 2px 8px rgba(10,22,40,.08);
  --shadow-md: 0 6px 24px rgba(10,22,40,.14);
  --shadow-lg: 0 16px 48px rgba(10,22,40,.22);
  --shadow-gold: 0 4px 20px rgba(201,162,39,.35);

  --transition: 0.25s ease;
  --max-width: 1200px;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  background: var(--white);
  color: var(--navy-900);
  line-height: 1.6;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
ul { list-style: none; }
input, select, textarea { font-family: inherit; }

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 96px 0; }
.hidden { display: none !important; }
.text-gold { color: var(--gold-400); }

/* ── Utility Classes ──────────────────────────────────────────── */
.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-500);
  background: var(--gold-50);
  border: 1px solid var(--gold-200);
  padding: 4px 14px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 64px;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700;
  color: var(--navy-900);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-desc {
  font-size: 1.0625rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ── Buttons ──────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-md);
  font-size: 0.9375rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn--gold {
  background: linear-gradient(135deg, var(--gold-500) 0%, var(--gold-300) 100%);
  color: var(--navy-900);
  box-shadow: var(--shadow-gold);
}
.btn--gold:hover {
  background: linear-gradient(135deg, var(--gold-400) 0%, var(--gold-200) 100%);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201,162,39,.45);
}

.btn--navy {
  background: var(--navy-800);
  color: var(--white);
  box-shadow: var(--shadow-md);
}
.btn--navy:hover {
  background: var(--navy-700);
  transform: translateY(-2px);
}

.btn--outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.55);
}
.btn--outline:hover {
  border-color: var(--gold-400);
  color: var(--gold-300);
  background: rgba(201,162,39,.08);
}

.btn--lg {
  padding: 16px 36px;
  font-size: 1rem;
  border-radius: var(--radius-md);
}

.btn--full { width: 100%; }

/* ════════════════════════════════════════════════════════════════
   NAVBAR
════════════════════════════════════════════════════════════════ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(10, 22, 40, 0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(201,162,39,.18);
  transition: background var(--transition), box-shadow var(--transition);
}

.navbar.scrolled {
  background: rgba(6, 14, 28, 0.97);
  box-shadow: 0 4px 24px rgba(0,0,0,.4);
}

.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}

.navbar__logo { display: flex; align-items: center; text-decoration: none; }
.navbar__logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.navbar__logo-main {
  font-family: 'Inter', sans-serif;
  font-size: 1.35rem;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.02em;
}
.navbar__logo-accent {
  color: var(--gold-500);
}
.navbar__logo-sub {
  font-family: 'Inter', sans-serif;
  font-size: 0.6rem;
  font-weight: 600;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.navbar__links {
  display: flex;
  align-items: center;
  gap: 36px;
}

.navbar__links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,.82);
  transition: color var(--transition);
  position: relative;
}
.navbar__links a::after {
  content: '';
  position: absolute;
  bottom: -3px; left: 0; right: 0;
  height: 2px;
  background: var(--gold-400);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform var(--transition);
}
.navbar__links a:hover { color: var(--gold-300); }
.navbar__links a:hover::after { transform: scaleX(1); }

.navbar__actions { display: flex; align-items: center; gap: 16px; }

.navbar__hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
}
.navbar__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.navbar__hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.navbar__hamburger.open span:nth-child(2) { opacity: 0; }
.navbar__hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.navbar__mobile-menu {
  display: none;
  flex-direction: column;
  gap: 4px;
  padding: 16px 24px 24px;
  background: var(--navy-950);
  border-top: 1px solid rgba(201,162,39,.15);
}
.navbar__mobile-menu.open { display: flex; }

.mobile-link {
  padding: 12px 8px;
  color: rgba(255,255,255,.85);
  font-size: 1rem;
  font-weight: 500;
  border-bottom: 1px solid rgba(255,255,255,.06);
  transition: color var(--transition);
}
.mobile-link:hover { color: var(--gold-300); }
.mobile-cta { margin-top: 12px; text-align: center; }

/* ════════════════════════════════════════════════════════════════
   HERO
════════════════════════════════════════════════════════════════ */
.hero {
  position: relative;
  min-height: 100vh;
  background: var(--navy-900);
  display: flex;
  align-items: center;
  padding-top: 70px;
  overflow: hidden;
}

.hero__bg-pattern {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(20,46,99,.65) 0%, transparent 60%),
    radial-gradient(ellipse 50% 50% at 15% 70%, rgba(201,162,39,.06) 0%, transparent 50%),
    linear-gradient(165deg, var(--navy-950) 0%, var(--navy-800) 50%, var(--navy-700) 100%);
  pointer-events: none;
}
.hero__bg-pattern::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle, rgba(201,162,39,.07) 1px, transparent 1px);
  background-size: 40px 40px;
}

.hero__inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 420px;
  grid-template-rows: auto;
  gap: 48px;
  align-items: center;
  padding-top: 60px;
  padding-bottom: 80px;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(201,162,39,.12);
  border: 1px solid rgba(201,162,39,.3);
  padding: 8px 18px;
  border-radius: 100px;
  margin-bottom: 24px;
  color: var(--gold-300);
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.hero__badge-icon { width: 22px; height: 22px; object-fit: contain; }

.hero__headline {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 24px;
  letter-spacing: -0.02em;
}

.hero__sub {
  font-size: 1.125rem;
  color: rgba(255,255,255,.72);
  line-height: 1.75;
  max-width: 560px;
  margin-bottom: 40px;
}

.hero__ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.hero__trust {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.6);
  font-size: 0.8125rem;
  font-weight: 500;
}

.trust-icon {
  width: 16px;
  height: 16px;
  color: var(--gold-400);
  flex-shrink: 0;
}

/* Score card preview */
.hero__score-card {
  grid-column: 2;
  grid-row: 1 / span 5;
}

.score-preview {
  background: linear-gradient(160deg, rgba(26,58,122,.9) 0%, rgba(13,33,73,.95) 100%);
  border: 1px solid rgba(201,162,39,.25);
  border-radius: var(--radius-xl);
  padding: 40px 32px;
  box-shadow: var(--shadow-lg), inset 0 1px 0 rgba(255,255,255,.06);
  backdrop-filter: blur(12px);
}

.gauge-svg { width: 100%; max-width: 220px; margin: 0 auto 20px; display: block; }

.score-preview__details {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}

.score-chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 16px;
  border-radius: 100px;
  font-size: 0.875rem;
  font-weight: 600;
}
.score-chip--up {
  background: rgba(29,185,84,.15);
  color: #1DB954;
  border: 1px solid rgba(29,185,84,.3);
}
.score-chip svg { width: 14px; height: 14px; }

.score-sources {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
}

.source-tag {
  background: rgba(201,162,39,.12);
  border: 1px solid rgba(201,162,39,.25);
  color: var(--gold-300);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 100px;
}

/* ════════════════════════════════════════════════════════════════
   STATS BAR
════════════════════════════════════════════════════════════════ */
.stats-bar {
  background: linear-gradient(135deg, var(--navy-800) 0%, var(--navy-700) 100%);
  padding: 40px 0;
  border-top: 1px solid rgba(201,162,39,.2);
  border-bottom: 1px solid rgba(201,162,39,.2);
}

.stats-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-around;
  gap: 32px;
  flex-wrap: wrap;
}

.stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.stat-number {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  color: var(--gold-400);
  line-height: 1;
}

.stat-suffix {
  font-family: var(--font-display);
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  color: var(--gold-300);
}

.stat-label {
  font-size: 0.8125rem;
  color: rgba(255,255,255,.6);
  margin-top: 6px;
  font-weight: 500;
}

.stat-divider {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,.12);
  flex-shrink: 0;
}

/* ════════════════════════════════════════════════════════════════
   SERVICES
════════════════════════════════════════════════════════════════ */
.services { background: var(--gray-50); }

.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  opacity: 0;
  transition: opacity var(--transition);
}

.service-card:hover {
  border-color: var(--gold-200);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.service-card:hover::before { opacity: 1; }

.service-card--featured {
  grid-column: span 1;
  background: linear-gradient(160deg, var(--navy-800) 0%, var(--navy-700) 100%);
  border-color: rgba(201,162,39,.3);
  color: var(--white);
}

.service-card--featured::before { opacity: 1; }

.service-card--featured h3,
.service-card--featured p,
.service-card--featured li { color: rgba(255,255,255,.9); }

.service-card--featured li { color: rgba(255,255,255,.72); }

.service-card__badge {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  background: rgba(201,162,39,.2);
  color: var(--gold-300);
  border: 1px solid rgba(201,162,39,.35);
  padding: 3px 12px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.service-card__icon {
  width: 64px;
  height: 64px;
  margin-bottom: 20px;
}
.service-card__icon img { width: 100%; height: 100%; object-fit: contain; }

.service-card__icon-small {
  width: 48px;
  height: 48px;
  background: var(--navy-50);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--navy-700);
}
.service-card__icon-small svg { width: 24px; height: 24px; }

.service-card h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 12px;
}

.service-card p {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.65;
  margin-bottom: 20px;
}

.service-card__features {
  margin-bottom: 24px;
}
.service-card__features li {
  font-size: 0.875rem;
  color: var(--gray-600);
  padding: 5px 0;
  padding-left: 18px;
  position: relative;
}
.service-card__features li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 13px;
  width: 7px;
  height: 7px;
  background: var(--gold-400);
  border-radius: 50%;
}

/* ════════════════════════════════════════════════════════════════
   HOW IT WORKS
════════════════════════════════════════════════════════════════ */
.how-it-works { background: var(--white); }

.steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  margin-bottom: 80px;
}

.step {
  flex: 1;
  max-width: 300px;
  text-align: center;
  padding: 0 20px;
}

.step__number {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 800;
  color: var(--navy-100);
  line-height: 1;
  margin-bottom: 16px;
}

.step__icon {
  width: 72px;
  height: 72px;
  background: var(--navy-50);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--navy-700);
  border: 2px solid var(--navy-100);
  transition: all var(--transition);
}
.step__icon svg { width: 32px; height: 32px; }
.step:hover .step__icon {
  background: var(--navy-800);
  color: var(--gold-400);
  border-color: var(--gold-400);
  box-shadow: var(--shadow-gold);
}

.step h3 {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 10px;
}

.step p {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.65;
}

.step__connector {
  flex-shrink: 0;
  width: 80px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-200));
  margin-top: 104px;
  position: relative;
}
.step__connector::after {
  content: '';
  position: absolute;
  right: -5px;
  top: -4px;
  width: 10px;
  height: 10px;
  border-top: 2px solid var(--gold-400);
  border-right: 2px solid var(--gold-400);
  transform: rotate(45deg);
}

/* Data sources */
.data-sources { }
.data-sources__title {
  text-align: center;
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--navy-700);
  margin-bottom: 28px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.875rem;
}

.data-sources__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.data-source-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 28px 20px;
  text-align: center;
  transition: all var(--transition);
}
.data-source-card:hover {
  border-color: var(--gold-300);
  box-shadow: var(--shadow-md);
  background: var(--white);
}

.data-source-card__icon {
  width: 48px;
  height: 48px;
  background: var(--navy-800);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: var(--gold-400);
}
.data-source-card__icon svg { width: 24px; height: 24px; }

.data-source-card span {
  display: block;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 4px;
}

.data-source-card small {
  color: var(--gray-400);
  font-size: 0.8125rem;
}

/* ════════════════════════════════════════════════════════════════
   WHY USE
════════════════════════════════════════════════════════════════ */
.why-use { background: var(--gray-50); }

.audience-toggle {
  display: flex;
  justify-content: center;
  gap: 0;
  margin-bottom: 56px;
  background: var(--gray-100);
  border-radius: var(--radius-md);
  padding: 6px;
  width: fit-content;
  margin-left: auto;
  margin-right: auto;
  border: 1px solid var(--gray-200);
}

.audience-btn {
  padding: 10px 28px;
  border-radius: calc(var(--radius-md) - 4px);
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--gray-600);
  transition: all var(--transition);
}
.audience-btn.active {
  background: var(--navy-800);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}
.audience-btn:not(.active):hover { color: var(--navy-800); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 56px;
}

.why-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all var(--transition);
}
.why-card:hover {
  border-color: var(--gold-200);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.why-card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.why-card__icon--gold {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  color: var(--navy-900);
}
.why-card__icon svg { width: 26px; height: 26px; }

.why-card h3 {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 10px;
}

.why-card p {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.65;
}

/* Comparison table */
.comparison-table { overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.comparison-table h3 {
  background: var(--navy-800);
  color: var(--gold-300);
  padding: 20px 28px;
  font-size: 1.0625rem;
  font-weight: 700;
}

.table-wrapper { overflow-x: auto; }

table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
}

thead tr { background: var(--navy-900); }
th {
  padding: 14px 24px;
  text-align: left;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255,255,255,.7);
}
th.col-cp { color: var(--gold-300); }

tbody tr {
  border-bottom: 1px solid var(--gray-100);
  transition: background var(--transition);
}
tbody tr:hover { background: var(--gray-50); }

td {
  padding: 14px 24px;
  font-size: 0.9375rem;
  color: var(--gray-800);
}
td.col-cp { font-weight: 600; }
td.check { color: #16a34a; }
td.cross { color: #dc2626; }

/* Lender content */
.lender-hero {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 64px;
  align-items: start;
}

.lender-hero__text h3 {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 20px;
}

.lender-hero__text p {
  font-size: 1rem;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 32px;
}

.lender-stats {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.lender-stat {
  display: flex;
  flex-direction: column;
}
.lender-stat__number {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--navy-800);
}
.lender-stat__label {
  font-size: 0.8125rem;
  color: var(--gray-600);
  max-width: 120px;
  line-height: 1.4;
}

.lender-hero__features { display: flex; flex-direction: column; gap: 24px; }

.lender-feature {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 24px;
  transition: all var(--transition);
}
.lender-feature:hover { border-color: var(--gold-200); box-shadow: var(--shadow-sm); }

.lender-feature__icon {
  width: 44px;
  height: 44px;
  background: var(--navy-800);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-400);
  flex-shrink: 0;
}
.lender-feature__icon svg { width: 20px; height: 20px; }

.lender-feature h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 6px;
}
.lender-feature p {
  font-size: 0.9rem;
  color: var(--gray-600);
  line-height: 1.55;
}

/* ════════════════════════════════════════════════════════════════
   ABOUT
════════════════════════════════════════════════════════════════ */
.about {
  background: linear-gradient(180deg, var(--white) 0%, var(--gray-50) 100%);
}

.about__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.about__text .section-tag { margin-bottom: 12px; }
.about__text .section-title { text-align: left; }

.about__text p {
  font-size: 1rem;
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 20px;
}

.about__values {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 36px;
}

.about__value {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
}

.about__value-icon {
  font-size: 1.5rem;
  flex-shrink: 0;
  line-height: 1;
}

.about__value h4 {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--navy-900);
  margin-bottom: 4px;
}

.about__value p {
  font-size: 0.875rem;
  color: var(--gray-600);
  margin: 0;
  line-height: 1.5;
}

.about__logo-display {
  background: var(--navy-800);
  border-radius: var(--radius-xl);
  padding: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  border: 1px solid rgba(201,162,39,.2);
}

.about__logo { max-height: 120px; width: auto; margin: 0 auto; }

.about__mission-card {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  border: 1px solid rgba(201,162,39,.25);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  margin-bottom: 20px;
}

.about__mission-quote {
  font-family: var(--font-display);
  font-size: 1.125rem;
  color: var(--gold-300);
  font-style: italic;
  line-height: 1.5;
  margin-bottom: 12px;
}

.about__mission-attr {
  font-size: 0.8125rem;
  color: rgba(255,255,255,.5);
  font-weight: 500;
}

.about__certifications {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.cert-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 100px;
  padding: 8px 16px;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--navy-800);
}
.cert-badge svg { width: 16px; height: 16px; color: var(--gold-500); }

/* ════════════════════════════════════════════════════════════════
   SCORE SHOWCASE
════════════════════════════════════════════════════════════════ */
.score-showcase {
  background: var(--navy-900);
}

.score-showcase .section-tag {
  background: rgba(201,162,39,.15);
  border-color: rgba(201,162,39,.3);
  color: var(--gold-300);
}

.score-showcase .section-title { color: var(--white); }
.score-showcase .section-desc { color: rgba(255,255,255,.6); }

.breakdown-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}

.breakdown-card {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(201,162,39,.15);
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  transition: all var(--transition);
}
.breakdown-card:hover {
  background: rgba(255,255,255,.08);
  border-color: rgba(201,162,39,.35);
  transform: translateY(-3px);
}

.breakdown-card__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
}

.breakdown-label {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--white);
}

.breakdown-weight {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gold-400);
  background: rgba(201,162,39,.15);
  padding: 3px 10px;
  border-radius: 100px;
}

.breakdown-bar {
  height: 6px;
  background: rgba(255,255,255,.1);
  border-radius: 100px;
  overflow: hidden;
  margin-bottom: 16px;
}

.breakdown-bar__fill {
  height: 100%;
  width: var(--pct);
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  border-radius: 100px;
  animation: growBar 1.2s ease-out forwards;
  transform-origin: left;
}

@keyframes growBar {
  from { width: 0; }
  to { width: var(--pct); }
}

.breakdown-card p {
  font-size: 0.8125rem;
  color: rgba(255,255,255,.5);
  line-height: 1.6;
}

/* ════════════════════════════════════════════════════════════════
   SUPPORT / FAQ
════════════════════════════════════════════════════════════════ */
.support { background: var(--gray-50); }

.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 40px;
}

.faq-item {
  border-bottom: 1px solid var(--gray-200);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 0;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--navy-900);
  text-align: left;
  gap: 16px;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--navy-700); }
.faq-question[aria-expanded="true"] { color: var(--navy-800); }

.faq-chevron {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--gold-500);
  transition: transform var(--transition);
}
.faq-question[aria-expanded="true"] .faq-chevron { transform: rotate(180deg); }

.faq-answer {
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.35s ease, padding 0.35s ease;
}
.faq-answer.open {
  max-height: 300px;
  padding-bottom: 20px;
}
.faq-answer p {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ════════════════════════════════════════════════════════════════
   CONTACT
════════════════════════════════════════════════════════════════ */
.contact {
  background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-800) 100%);
}

.contact__inner {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 80px;
  align-items: start;
}

.contact .section-tag {
  background: rgba(201,162,39,.15);
  border-color: rgba(201,162,39,.3);
  color: var(--gold-300);
}

.contact .section-title { color: var(--white); text-align: left; }

.contact__info p {
  color: rgba(255,255,255,.65);
  font-size: 1rem;
  line-height: 1.75;
  margin-bottom: 36px;
}

.contact__channels { display: flex; flex-direction: column; gap: 20px; }

.contact__channel {
  display: flex;
  align-items: center;
  gap: 18px;
}

.contact__channel-icon {
  width: 44px;
  height: 44px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-400);
  flex-shrink: 0;
}
.contact__channel-icon svg { width: 20px; height: 20px; }

.contact__channel span {
  display: block;
  font-size: 0.8125rem;
  color: rgba(255,255,255,.5);
  margin-bottom: 2px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.contact__channel a {
  color: var(--gold-300);
  font-weight: 600;
  font-size: 0.9375rem;
  transition: color var(--transition);
}
.contact__channel a:hover { color: var(--gold-200); }

/* Contact form */
.contact-form {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin-bottom: 20px;
}

.form-group label {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--navy-800);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-md);
  font-size: 0.9375rem;
  color: var(--navy-900);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  resize: vertical;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy-500);
  box-shadow: 0 0 0 3px rgba(21, 68, 148, 0.1);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
  border-color: #dc2626;
}

.form-consent {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-bottom: 24px;
}

.form-consent input[type="checkbox"] {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--navy-700);
  cursor: pointer;
}

.form-consent label {
  font-size: 0.8125rem;
  color: var(--gray-600);
  line-height: 1.5;
  cursor: pointer;
}

.form-consent a { color: var(--navy-700); font-weight: 600; }
.form-consent a:hover { color: var(--gold-500); }

.form-success {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 16px;
  padding: 14px 20px;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  border-radius: var(--radius-md);
  color: #15803d;
  font-weight: 600;
  font-size: 0.9375rem;
}
.form-success svg { width: 20px; height: 20px; flex-shrink: 0; }

/* ════════════════════════════════════════════════════════════════
   FOOTER
════════════════════════════════════════════════════════════════ */
.footer {
  background: var(--navy-950);
  border-top: 1px solid rgba(201,162,39,.15);
}

.footer__inner {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 64px;
  padding-top: 64px;
  padding-bottom: 48px;
}

.footer__logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
  margin-bottom: 16px;
}
.footer__logo-main {
  font-family: 'Inter', sans-serif;
  font-size: 1.3rem;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.02em;
}
.footer__logo-accent {
  color: var(--gold-500);
}
.footer__logo-sub {
  font-size: 0.58rem;
  font-weight: 600;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-top: 2px;
}
.footer__tagline {
  font-size: 0.9375rem;
  color: rgba(255,255,255,.5);
  margin-bottom: 8px;
}
.footer__company {
  font-size: 0.8125rem;
  color: rgba(255,255,255,.3);
}

.footer__links {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.footer__col h4 {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold-400);
  margin-bottom: 18px;
}

.footer__col a {
  display: block;
  font-size: 0.875rem;
  color: rgba(255,255,255,.5);
  padding: 5px 0;
  transition: color var(--transition);
}
.footer__col a:hover { color: var(--gold-300); }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,.07);
  padding: 22px 0;
}

.footer__bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer__copyright {
  font-size: 0.8125rem;
  color: rgba(255,255,255,.35);
  line-height: 1.6;
}

.footer__compliance {
  display: flex;
  gap: 12px;
  align-items: center;
  font-size: 0.75rem;
  color: rgba(255,255,255,.3);
}

/* ════════════════════════════════════════════════════════════════
   RESPONSIVE — TABLET (≤ 1024px)
════════════════════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero__inner {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .hero__score-card {
    grid-column: 1;
    grid-row: auto;
    max-width: 420px;
    margin: 0 auto;
  }
  .hero__sub { margin-left: auto; margin-right: auto; }
  .hero__ctas { justify-content: center; }
  .hero__trust { justify-content: center; }

  .services__grid { grid-template-columns: 1fr 1fr; }
  .service-card--featured { grid-column: span 2; }

  .data-sources__grid { grid-template-columns: repeat(2, 1fr); }

  .about__inner { grid-template-columns: 1fr; gap: 48px; }

  .lender-hero { grid-template-columns: 1fr; gap: 40px; }

  .contact__inner { grid-template-columns: 1fr; gap: 48px; }

  .breakdown-grid { grid-template-columns: repeat(3, 1fr); }

  .footer__inner { grid-template-columns: 1fr; gap: 40px; }
  .footer__links { grid-template-columns: repeat(2, 1fr); }
}

/* ════════════════════════════════════════════════════════════════
   RESPONSIVE — MOBILE (≤ 768px)
════════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .section { padding: 64px 0; }

  .navbar__links { display: none; }
  .navbar__actions .btn--gold { display: none; }
  .navbar__hamburger { display: flex; }

  .hero__inner { padding-top: 40px; }
  .hero__headline { font-size: 2rem; }
  .hero__sub { font-size: 1rem; }
  .hero__ctas { flex-direction: column; align-items: center; }
  .hero__ctas .btn { width: 100%; max-width: 340px; }

  .stats-bar__inner { flex-direction: column; gap: 24px; }
  .stat-divider { width: 80px; height: 1px; }

  .services__grid { grid-template-columns: 1fr; }
  .service-card--featured { grid-column: span 1; }

  .steps {
    flex-direction: column;
    align-items: center;
    gap: 0;
  }
  .step { max-width: 100%; }
  .step__connector {
    width: 2px;
    height: 40px;
    margin: 0;
    margin-left: 0;
    background: linear-gradient(180deg, var(--gold-400), var(--gold-200));
  }
  .step__connector::after {
    bottom: -5px;
    right: auto;
    left: -4px;
    top: auto;
    border-top: none;
    border-right: none;
    border-bottom: 2px solid var(--gold-400);
    border-left: 2px solid var(--gold-400);
    transform: rotate(-45deg);
  }

  .data-sources__grid { grid-template-columns: 1fr 1fr; }

  .why-grid { grid-template-columns: 1fr; }

  .about__values { grid-template-columns: 1fr; }

  .breakdown-grid { grid-template-columns: 1fr 1fr; }

  .faq-grid { grid-template-columns: 1fr; }

  .form-row { grid-template-columns: 1fr; }

  .contact-form { padding: 28px 20px; }

  .footer__links { grid-template-columns: repeat(2, 1fr); }

  .footer__bottom-inner { flex-direction: column; text-align: center; }
  .footer__copyright { text-align: center; }

  .audience-toggle { flex-direction: column; width: 100%; }
  .audience-btn { text-align: center; }
}

/* ════════════════════════════════════════════════════════════════
   RESPONSIVE — SMALL MOBILE (≤ 480px)
════════════════════════════════════════════════════════════════ */
@media (max-width: 480px) {
  .hero__badge { font-size: 0.7rem; }
  .hero__trust { gap: 16px; }

  .breakdown-grid { grid-template-columns: 1fr; }

  .footer__links { grid-template-columns: 1fr; }

  .about__logo-display { padding: 28px; }
  .about__logo { max-height: 80px; }

  .section-title { font-size: 1.6rem; }
}

/* ════════════════════════════════════════════════════════════════
   ANIMATIONS & SCROLL REVEALS
════════════════════════════════════════════════════════════════ */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger children */
.stagger > * { transition-delay: calc(var(--i, 0) * 100ms); }

/* Pulse on score gauge */
@keyframes pulse-ring {
  0% { transform: scale(0.95); opacity: 1; }
  70% { transform: scale(1.05); opacity: 0.5; }
  100% { transform: scale(0.95); opacity: 1; }
}

.score-preview__gauge { animation: pulse-ring 3s ease-in-out infinite; }